Market Gaps on Access to Finance - Bank of Valletta
Market Gaps on Access to Finance - Bank of Valletta
Market Gaps on Access to Finance - Bank of Valletta
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Q4: Have you ever used/ applied for any <strong>of</strong> the following sources <strong>of</strong> finance and if not, why?<br />
A: Nati<strong>on</strong>al Grants/Public aid- Firm Size<br />
1 - 9: Micro 10 <strong>to</strong> 49: Small 50 <strong>to</strong> 249: Medium<br />
Yes, Used 14 (29%) 8 (21%) 5 (33%)<br />
Yes, Applied 0 (0%) 0 (0%) 0 (0%)<br />
Yes, applied but rejected/ refused <strong>to</strong> proceed further 2 (4%) 4 (11%) 0 (0%)<br />
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – unaware <strong>of</strong> advantages 0 (0%) 1 (3%) 0 (0%)<br />
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – traditi<strong>on</strong>al bank finance suffices 1 (2%) 0 (0%) 0 (0%)<br />
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – internal and traditi<strong>on</strong>al bank finance suffice 1 (2%) 0 (0%) 1 (7%)<br />
Did not use them – not relevant <strong>to</strong> my firm 30 (61%) 25 (66%) 9 (60%)<br />
Did not use them – other 1 (2%) 0 (0%) 0 (0%)<br />
A: Nati<strong>on</strong>al Grants/Public aid- Ec<strong>on</strong>omic Sec<strong>to</strong>r<br />
Manufacturi Retail/ Tourism /<br />
Life<br />
Sciences Other<br />
ng<br />
Distributi<strong>on</strong> Hospitality and ICT Services<br />
Yes, Used 8 (50%) 4 (17%) 3 (10%) 6 (43%) 6 (35%)<br />
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
Yes, applied but rejected/ refused <strong>to</strong> proceed further 1 (6%) 1 (4%) 3 (10%) 0 (0%) 1 (6%)<br />
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – unaware <strong>of</strong> advantages 0 (0%) 1 (4%) 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – traditi<strong>on</strong>al bank finance suffices 0 (0%) 0 (0%) 1 (3%) 0 (0%) 0 (0%)<br />
Did not use them – internal finance suffices<br />
Did not use them – internal and traditi<strong>on</strong>al bank<br />
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
finance suffice 0 (0%) 1 (4%) 1 (3%) 0 (0%) 0 (0%)<br />
Did not use them – not relevant <strong>to</strong> my firm 7 (44%) 17 (71%) 23 (74%) 7 (50%) 10 (59%)<br />
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 1 (7%) 0 (0%)<br />
A: Nati<strong>on</strong>al Grants/Public aid- Firm Lifecycle<br />
Emerging Developme Expansi<strong>on</strong><br />
Start-Up Growth nt Growth Growth<br />
Yes, Used 5 (50%) 2 (50%) 16 (21%) 4 (31%)<br />
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
Yes, applied but rejected/ refused <strong>to</strong> proceed further 1 (10%) 0 (0%) 4 (5%) 1 (8%)<br />
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – unaware <strong>of</strong> advantages 0 (0%) 0 (0%) 1 (1%) 0 (0%)<br />
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – traditi<strong>on</strong>al bank finance suffices 0 (0%) 0 (0%) 1 (1%) 0 (0%)<br />
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – internal and traditi<strong>on</strong>al bank finance suffice 0 (0%) 0 (0%) 2 (3%) 0 (0%)<br />
Did not use them – not relevant <strong>to</strong> my firm 3 (30%) 2 (50%) 51 (68%) 8 (62%)<br />
Did not use them – other 1 (10%) 0 (0%) 0 (0%) 0 (0%)<br />
B: EU funds- Firm Size<br />
1 - 9: Micro 10 <strong>to</strong> 49: Small 50 <strong>to</strong> 249: Medium<br />
Yes, Used 8 (16%) 11 (29%) 8 (53%)<br />
Yes, Applied 3 (6%) 1 (3%) 0 (0%)<br />
Yes, applied but rejected/ refused <strong>to</strong> proceed further 3 (6%) 4 (11%) 2 (13%)<br />
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – unaware <strong>of</strong> advantages 2 (%) 1 (3%) 1 (7%)<br />
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – traditi<strong>on</strong>al bank finance suffices 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – internal and traditi<strong>on</strong>al bank finance suffice 0 (0%) 0 (0%) 0 (0%)<br />
Did not use them – not relevant <strong>to</strong> my firm 32 (65%) 21 (55%) 4 (27%)<br />
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