Market Gaps on Access to Finance - Bank of Valletta

F: Other loan (e.g. related company/ shareholders, family, friends) - Economic sector
Manufacturi Retail/ Tourism /
Life
Sciences Other
ng
Distribution Hospitality and ICT Services
Yes, Used 3 (19%) 7 (29%) 10 (32%) 6 (43%) 7 (41%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 2 (6%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 1 (4%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 1 (4%) 1 (3%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices
Did not use them – internal and traditional bank
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
finance suffice 1 (6%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 12 (75%) 15 (63%) 18 (58%) 8 (57%) 9 (53%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 0 (0%) 1 (6%)
F: Other loan (e.g. related company/ shareholders, family, friends) - Firm lifecycle
Emerging Development Expansion
Start-Up Growth Growth Growth
Yes, Used 4 (40%) 2 (50%) 23 (31%) 4 (31%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 1 (10%) 0 (0%) 1 (1%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 1 (1%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 2 (3%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 0 (0%) 0 (0%) 1 (1%) 0 (0%)
Did not use them – not relevant to my firm 5 (50%) 1 (25%) 47 (63%) 9 (69%)
Did not use them – other 0 (0%) 1 (25%) 0 (0%) 0 (0%)
G: Leasing/ hire-purchase/ factoring- Firm size
1 - 9: Micro 10 to 49: Small
50 to 249:
Medium
Yes, Used 9 (18%) 14 (37%) 5 (33%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 1 (2%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 1 (3%) 0 (0%)
Did not use them – traditional bank finance suffices 2 (4%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 1 (2%) 1 (3%) 0 (0%)
Did not use them – not relevant to my firm 35 (71%) 22 (58%) 10 (67%)
Did not use them – other 1 (2%) 0 (0%) 0 (0%)
G: Leasing/ hire-purchase/ factoring- Economic Sector
Manufacturi Retail/ Tourism /
Life
Sciences Other
ng
Distribution Hospitality and ICT Services
Yes, Used 5 (31%) 7 (29%) 7 (23%) 4 (29%) 5 (29%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 1 (3%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 1 (4%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 1 (4%) 1 (3%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices
Did not use them – internal and traditional bank
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
finance suffice 1 (6%) 0 (0%) 1 (3%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 10 (63%) 15 (63%) 21 (68%) 9 (64%) 12 (71%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 1 (7%) 0 (0%)
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