Market Gaps on Access to Finance - Bank of Valletta

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Please provide your comments for Question 5: ____________________________________________________________________________________ ____________________________________________________________________________________ Q6 - Would you apply for any of the below types of financing if offered locally? Why? Why not? Yes No Don’t Know A National Grants/ Public aid (incl. Tax rebates) 1 2 4 B EU funds (grants) 1 2 4 C Bank overdraft, credit line or credit card overdraft 1 2 4 D Bank loans (incl. EU programmes like JEREMIE) 1 2 4 E Trade credit 1 2 4 F Other loan (e.g. related company/ shareholders, family, friends) 1 2 4 G Leasing/ hire-purchase/ factoring 1 2 4 H Equity from other sources (e.g. Business angels, seed funding, venture capital, securitized mezzanine finance) 1 2 4 I Public issue of own shares or own bonds 1 2 4 Please provide your comments for Question 6: ____________________________________________________________________________________ ____________________________________________________________________________________ [FOR RESPONDENTS WHO HAVE USED/ APPLIED FOR A LOAN IN Q9] Q7 - What is the size of the last loan, of any kind, that your firm has obtained in the last two years? - Smaller than €25,000 ................................................................................................... 1 - €25,000 - €99,999 ...................................................................................................... 2 - €100,000 - €1 million ................................................................................................... 3 - Over €1 million ............................................................................................................. 4 Q8 - What did you use this last loan for? - Working capital ............................................................................................................ 1 - Land/ buildings or Equipment/vehicles ........................................................................... 2 - R&D or intellectual property .......................................................................................... 3 - Promotion .................................................................................................................... 4 - Staff training ................................................................................................................ 5 - Buying another business ............................................................................................... 6 - Other (PLEASE SPECIFY) __________________________________________________________ 7 3 Financing – A National perspective In this section we will overview respondents’ perception of the overall availability of financing assistance to SMEs. Q9 - Do you think that access to external funding (non-bank loans) for Maltese SMEs is easy in Malta? - Very easy..................................................................................................................... 1 - Relatively easy ............................................................................................................. 2 - Relatively difficult......................................................................................................... 3 - Very difficult............................................................... ................................................. 4 - Can’t Say (Do not Suggest)............................................................................................. 5 Please provide your comments for Question 9: ____________________________________________________________________________________ ____________________________________________________________________________________ Page | 86
Q10 - Do you see any other important funding instruments emerging in the future? - Private Public Partnership.............................................................................................. 1 - Microfinance institutions................................................................................................ 2 - Crowd funding............................................................................................................... 3 - Co-operative banks........................................................................................................ 4 - Other (please specify) _____________________________________________________________ 5 - Can’t say (do not suggest).............................................................................................. 6 Q11 – What would you like assistance schemes for SMEs over the coming years to contain? - Can’t say (do not suggest)............................................................................................ 99 Please provide your comments on Question 11: ____________________________________________________________________________________ ____________________________________________________________________________________ Thank you for participating in this survey! Page | 87
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Market Gaps on Access to Finance - Bank of Valletta

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