What is the meaning and would be impact of this " बैंक तथा वित्तीय संस्थाले लघुवित्त संस्थालाई दिने ऋण सहवित्तीयकरणमा राख्न नपर्ने व्यवस्था गरेको हो।"??

what is "सहवित्तीयकरण"??

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