Saving is considered an important economic phenomenon in the lives of individuals and communities. The absence or weakness of formal savings services creates obstacles at different levels. The primary aim of this study is to investigate the obstacles facing small and medium enterprises in mobilizing their savings and how to curb those difficulties. Descriptive and analytical methods are employed. The study reached out that the process of mobilizing and attracting small savings is more complex and difficult compared to the provision of credit services, which requires special care and attention. The study recommended that for any strategy to stimulate and attract small savings, it is necessary to create an adequate macroeconomic environment.