Financing SMEs Sharing Ideas for Effective Policies

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  • 7/23/2019 Financing SMEs Sharing Ideas for Effective Policies

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    Lm`c`nm`k ^EDs^fcrm`k Mhdcs lar Dlldntmvd Zaimnmds

    Ncpcnmty Bumihm`k c`h Xrcm`m`k [arosfap

    Zrdsd`tctma` by Er.Zcrck Zctom Gcocrtc, M`ha`dsmcDx- NDA ^EDRC Rctm`ks Ith

    (laredriy o`aw` cs ^ED Rctm`k Ckd`ny al M`hmc Ith) 34-3< Antabdr, 2:38

    Xfd vmdws dxprdssdh m` tfms prdsd`tctma` crd tfd vmdws al tfd cutfar c`h ha `at `dndsscrmiy rdlidnt tfd vmdws ar paimnmds al tfd Csmc`Hdvdiaped`t Bc`o M`stmtutd (CHBM), tfd Csmc` Hdvdiaped`t Bc`o (CHB), mts Bacrh al Hmrdntars, ar tfd kavdr`ed`ts tfdy rdprdsd`t.

    CHBM hads `at kucrc`tdd tfd cnnurcny al tfd hctc m`niuhdh m` tfms pcpdr c`h cnndpts `a rdspa`smbmimty lar c`y na`sdqud`nds altfdmr usd. Xdrem`aiaky usdh ecy `at `dndsscrmiy bd na`smstd`t wmtf CHB allmnmci tdres.

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    Xapmns Navdrdh

    ^ED Dxpdntctma`s

    [fct ms Nrdhmt Rctm`k

    Kd`dsms al ^ED Rctm`k Ckd`ny m` M`hmc

    Id`hdrs Nfciid`kds

    [fct ms Lm`c`nmci Csyeedtry

    Cbaut ^EDRC Rctm`ks Ith ( ^ED Rctm`k Ckd`ny)

    Rctm`k Zrandss/Zcrcedtdrs c`h mts Rctma`cid

    Bd`dlmts al ^ED Nrdhmt Rctm`ks

    Ody ^unndss Lcntars

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    ^EDs crd tfd bcnoba`d al M`hmc` Dna`aey wmtf fmkf Depiayed`t/Dxpart/KHZ na`trmbutma`

    44% al M`hmcs papuictma` m` tfd ckd brcnodt al 22->: ydcrs-depiayed`t nfciid`kd

    Fmkf patd`tmci al ^ED sdntar ta cbsarb emiima`s al gab sddodrs vs Ckrm & Narp sdntar

    A`iy 33% nauih cnndss lm`c`nd lrae lareci saurnds? rdst lrae m`lareci ar aw` lu`hs

    \dry fmkf m`tdrdst rctds( 3;-22%) hud ta rmso pdrndptma` c`h fmstarmnci @ZC bckkckd

    ]dcr a` ydcr rdhuntma` m` nrdhmt hmsbursded`t ta ^ED sdntar vms c vms Ckrmnuiturd &Narparctd sdntar

    Cvdrckd iac` tmnodt smzd wcs gust T^$ 2,::: ta 6:% al emnra/secii sdntar u`mts

    Zrdvd`tma` al sanmci u`rdst/ ncpmtci larectma`/ na`traiim`k m`lictma`/lm`c`nmci imtdrcny/ iawm`naed ta fmkf m`naed nau`try

    Id`hm`k m`stmtutma`s rdiuntc`nd cs wdii cs m`cbmimty ta cssdss ^ED nrdhmt cppimnctma`s.

    Imemtdh cvd`uds ta id`h, dcr` bdttdr sprdchs & hmvdrsmly rmsos-Fmkf Narparctdid`hm`k/sdntarci & rdkma`ci nd`trmn/na`nd`trmn rmso dtn.

    Kd`dsms al Hdhmnctdh ^ED Nrdhmt Rctm`k Ckd`ny m`M`hmc

    ]dcr 2::

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    Hdnrdcsdh Lm`c`nmci Id`hm`k ta ^EDs

    Naeedrnmci bc`o nrdhmt ta ^EDs, cs c pdrnd`tckd al `dt bc`o nrdhmt,fcs hdnim`dh sfcrpiy sm`nd tfd ictd 3==:s

    Cnndss ta chdquctd, tmediy lm`c`nm`k a` naepdtmtmvd tdres fcs bdd` cecgar hdtdrrd`t ta krawtf c`h naepdtmtmvd`dss al ^ED

    :

    4

    3:

    34

    2:

    3==4 3==< 3==; 3==6 3=== 2::: 2::3 2::2 2::> 2::8

    %

    Rctma al

    Nrdhmt ta

    ^^Ms ta @dt

    Bc`o Nrdhmt

    lar Bc`os

    ^aurnd7 Nd`trci Bc`o

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    Nrdhmt Zd`dtrctma`Rdidvc`nd al M`larectma`

    ::.2:.8:.