Market Gaps on Access to Finance - Bank of Valletta

Q1 - Who are the owners of your firm?
Total
Percentage of
respondents respondents
One Owner 31 30%
Family/Entrepreneurs 57 56%
Other firms/Business Associates 14 14%
102 100%
1 - Who are the owners of your firm? – Firm Size
1 - 9: Micro 10 to 49: Small 50 to 249: Medium
One Owner 15 (31%) 14 (37%) 2 (13%)
Family/Entrepreneurs 29 (59%) 19 (50%) 9 (60%)
Other firms/Business Associates 5 (10%) 5 (13%) 4 (17%)
Q1 - Who are the owners of your firm? – Economic sectors
Retail/ Tourism /
Life
Sciences Other
Manufacturing Distribution Hospitality and ICT Services
One Owner 6 (38%) 7 (29%) 9 (29%) 5 (36%) 4 (24%)
Family/Entrepreneurs
Other firms/Business
8 (50%) 14 (58%) 18 (58%) 9 (64%) 8 (47%)
Associates 2 (13%) 3 (13%) 4 (13%) 0 (0%) 5 (29%)
Q1 - Who are the owners of your firm? – Firm lifecycle
Emerging Development Expansion
Start-Up Growth Growth
Growth
One Owner 6 (60%) 2 (50%) 15 (20%) 8 (62%)
Family/Entrepreneurs 3 (30%) 0 (0%) 50 (67%) 4 (31%)
Other firms/Business Associates 1 (10%) 2 (50%) 10 (13%) 1 (8%)
Q2 – Can you kindly provide a rough indication of the current source/s of your funding?
Yes No Can't Say
Own Financing 89% 9% 2%
Family/Friends 9% 90% 1%
Overdraft, credit line, or credit cards 70% 29% 1%
Bank Loans (excl. OD and credit lines) 47% 51% 2%
Trade Credit 50% 49% 1%
Q3 – How would you rate your company’s ability to raise finance (from a scale of 1 to 5, with 1 being “very hard” and 5
being “very easy”) for each of the following company requirements?
1 2 3 4 5 Can't say Total
Normal Day to day operations – internal finance 6 14 41 22 15 4 102
Normal day to day operations -external finance 3 19 26 20 7 27 102
Specific projects or investments – internal finance 12 22 29 20 5 14 102
Specific projects or investments – external finance 10 15 2 24 2 29 102
Internal finance in your start-up phase 7 23 6 25 8 28 97
External finance in your start-up phase 5 16 18 14 3 41 97
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