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Abstract


A Survey on the Problems of Bank Loans Awareness Levels and Loan Applications Facing the Needs of SMEs Financing: Eskişehir Region

In terms of countries, the growth of the economies will adapt to the global world and the volume of activity that can be realized together between the financial sector and the real sector will increase. These two sectors can not be thought apart from each other in the system. The main function of the financial sector is to realize the flow of funds to the real sector and SMEs, which is important for the economy. In particular, countries should provide incentives and support for SMEs to easily meet their financing needs at the point of continuing economic vitality. It should not be forgotten that growth is a very important contribution of the private sector and that the process of the liberal economy, which the economy of the SMEs is based on, is the process that the real sector and the financial sector must act together. Especially when viewed from the perspective of our country, the importance of SMEs is great in terms of production capacity. The fact that SMEs who are willing to meet their financing needs in the banks are in a position to be disadvantaged compared to large enterprises, which impedes the stable continuity of SME activities. For this reason, efforts to solve the problems faced in the point of raising the competitiveness of SMEs at international level and increasing the contribution of SMEs in economic growth of countries in open economies sensitive to small business needs are gaining importance. With this study, it is aimed to be able to demonstrate advantages and disadvantages in terms of SMEs and banks by conducting a questionnaire survey on the problems of SMEs in Eskişehir industrial zone if they apply to the bank credits without funding..



Keywords
Basel-II, SME, Bank credit



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