dis ‧ in ‧ cen ‧ tive /ˌdɪsənˈsentɪv, ˌdɪsɪnˈsentɪv/ BrE AmE noun [countable]
something that makes people less willing to do something OPP incentive
disincentive to (doing/do) something
High interest rates can be a disincentive to expanding a business.