PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad

Abstract

Rad je imao za cilj analizirati važnost postojanja razvojne banke u Hrvatskoj, preciznije programa usmjerenih na sektor malog gospodarstva te utvrditi izazove, ograničenja i probleme u navedenim programima. U tu svrhu kreiran je originalni anketni upitnik pomoću kojeg je prikupljeno 52 odgovora malih i srednjih poduzeća. Zaključuje se da mali broj ispitanika dobro poznaje rad i mogućnosti koje pruža HBOR. Osim toga, veliki broj poduzetnika ne koristi mogućnosti financiranja kreditnim sredstvima HBOR-a zbog razloga kao što su zahtijevani kolateral, nepovoljni uvjeti odobravanja kredita, trajanje obrade kreditnog zahtjeva i sl. Na podnošenje zahtjeva za financijskim sredstvima HBOR-a utječe i mišljenje gotovo 60% ispitanika da na odobravanje sredstava HBOR-a utječu političke veze, a dodatan razlog je svakako i snižavanje kamatnih stopa u poslovnim bankama. Iz tog razloga je s ciljem poticanja daljnjeg razvoja djelovanja HBOR-a nužno uložiti dodatne napore u educiranje poduzetnika te svakako nastojati reducirati utjecaj razloga zbog kojih se poduzetnici rijetko odlučuju na korištenje sredstava HBOR-a.The paper aimed to analyse the importance of the existence of a development bank in Croatia, more precisely programs aimed at the small business sector and to identify challenges, limitations and problems in these programs. For this purpose, an original survey questionnaire was created, which was used to collect 52 SME answers. It is concluded that a small number of respondents are well acquainted with the work of HBOR, and even fewer opportunities provided by the activities of HBOR. It is also evident that a large number of entrepreneurs do not use the possibilities of financing with HBOR loan funds due to numerous reasons such as required collateral, unfavourable loan approval conditions, duration of loan application processing, etc. The submission of requests for HBOR funds is also influenced by the opinion of almost 60% of respondents that the approval of HBOR funds is influenced by political connections, and an additional reason is certainly the lowering of interest rates in commercial banks. For this reason, it is necessary to make additional efforts in educating entrepreneurs and certainly try to reduce the impact of the reasons why entrepreneurs rarely decide to use HBOR funds