Study of Small and Medium Enterprises in Azerbaijan - IFC
Study of Small and Medium Enterprises in Azerbaijan - IFC
Study of Small and Medium Enterprises in Azerbaijan - IFC
Create successful ePaper yourself
Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.
Chart A5.8<br />
Number <strong>of</strong><br />
Applications for<br />
Credit or a Credit<br />
L<strong>in</strong>e Over the Last<br />
12 Months by Type<br />
<strong>of</strong> Bus<strong>in</strong>ess<br />
(% <strong>of</strong> respondents)<br />
70%<br />
60%<br />
50%<br />
40%<br />
30%<br />
Individual entrepreneurs<br />
<strong>Small</strong> & <strong>Medium</strong> <strong>Enterprises</strong><br />
20%<br />
10%<br />
0%<br />
One time<br />
2 times<br />
3-5 times<br />
6 <strong>and</strong> more times<br />
Chart A5.9<br />
Reason Why<br />
Application Were<br />
Rejected a Loan or<br />
a Credit L<strong>in</strong>e Dur<strong>in</strong>g<br />
the Past 12 Months<br />
(% <strong>of</strong> respondents)<br />
Individual entrepreneurs<br />
Lender argued that the credit collateral<br />
or co-guarantors are not acceptable<br />
Lender argued that the enterprise<br />
does not generate sufficient pr<strong>of</strong>it<br />
Lender argued that there are problems<br />
with my/our credit history<br />
Lender argued that the credit<br />
application is <strong>in</strong>complete<br />
Lender expressed concern about<br />
the level <strong>of</strong> the rema<strong>in</strong><strong>in</strong>g debt<br />
<strong>Small</strong> & <strong>Medium</strong> <strong>Enterprises</strong><br />
0% 10% 20% 30% 40% 50% 60% 70% 80%<br />
Chart A5.10<br />
Results <strong>of</strong> Loan<br />
Applications by<br />
Type <strong>of</strong> Bus<strong>in</strong>ess<br />
(Individual<br />
entrepreneurs)<br />
(% <strong>of</strong> respondents)<br />
3%<br />
14%<br />
Did not reject<br />
Obta<strong>in</strong>ed credit after several<br />
attempts<br />
Was unable to get a loan<br />
83%<br />
Chart A5.11<br />
Results <strong>of</strong> Loan<br />
Applications by Type<br />
<strong>of</strong> Bus<strong>in</strong>ess (<strong>Small</strong> &<br />
<strong>Medium</strong> <strong>Enterprises</strong>)<br />
(% <strong>of</strong> respondents)<br />
35%<br />
55%<br />
Did not reject<br />
Obta<strong>in</strong>ed credit after several<br />
attempts<br />
Was unable to get a loan<br />
10%<br />
190<br />
St u d y o f Sma l l a n d Me d i u m Ent e r p r i s es <strong>in</strong> Az e r b a i j a n
Change language