PRISTUP MALIH I SREDNJIH PODUZEĆA IZVORIMA FINANCIRANJA: STUDIJA SLUČAJA SOCIETE GENERALE – SPLITSKA BANKA D.D. : Diplomski rad

Cilj ovog rada bio je analizirati mogućnosti financiranja koje na raspolaganju stoje MSP sektoru u Hrvatskoj. U ostvarenju ovog cilja korišteno je desk istraživanje kojim su se prvo detektirale sve mogućnosti financiranja. Nakon toga proveden je intervju s kreditnom referenticom konkretne banke kako bi se dobio detaljniji uvid u navedeni problem. Rezultati dobiveni analizom pokazali su da pristup financiranju ozbiljan problem, prvenstveno zbog nedostataka kolaterala od strane malih i srednjih poduzeća, te nerazvijenosti alternativnih oblika financiranja, ali da postoje značajni napori, prije svega Vlade, u rješavanju ovog problema.The aim of this paper was to analyze the funding opportunities, available to SMEs sector in Croatia. In achieving this aim, desk research was used for detecting all available funding options at this moment. Later, interview with credit officer was conducted in order to get more detailed insight into this problem. Results obtained from the analysis showed that the access to finance is severe problem, primarily due to lack of collateral owned by the small and medium-sized enterprises, and underdevelopment od the alternative forms of financing, but also that there are significant efforts, especially from the government, to solve this problem