Mikrofinansiranje i održivi razvoj MMSP i preduzetnika u Srbiji
Ključne reči:
mikrofinansiranje, mikro, mala i srednja preduzeća, preduzetnici, održivost, bankocentričan finansijski sistem, Srbija.
Sažetak
U fokusu istraživanja je analiza potencijalnih koristi koje se ogledaju u rastu i održivom razvoju mikro, malih i srednjih preduzeća (MMSP) i preduzetnika koje bi donelo unapređenje domaćeg finansijskog sistema zasnovano na uvođenju i zastupljenosti mikrokreditnih finansijskih institucija. Istraživanje je sprovedeno na uzorku od 150 ispitanika iz bankarskog i privatnog sektora. Analiza podataka je izvršena primenom neparametarskog metoda, χ2 testa (Test o nezavisnosti obeležja). Statistička obrada podataka je izvršena uz pomoć statističkog softverskog paketa IBM SPSS Statistics 21. Analiza rezultata sprovedenog istraživanja potvrdila je da je domaći finansijski sistem bankocentričan, nerazvijen, siromašan i da ne podstiče održivi razvoj i rast mikro, malih i srednjih preduzeća i preduzetnika. Takođe, istraživanje je potvrdilo da bi uvođenje mikrofinansijskih institucija doprinelo unapređenju domaćeg finansijskog sistema, podstaklo osnivanje mikro, malih i srednjih preduzeća i preduzetnika, unapredilo njihove poslovne rezultate i podstaklo održivi razvoj.
Reference
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Babajide, A. (2012). Effects of Microfinance on Micro and Small Enterprises (MSEs) Growth in Nigeria. Asian Economic and Financial Review, 2(3), 463-477. Retrieved from https://www.aessweb.com/journals/5002
Bagudu, H. D., Khan, S. J. M., & Roslan, A. H. (2016). The impact of microfinance institutions on the development of small and medium enterprises: a case study of Lagos state. International Research Journal of Management, IT and Social Sciences, 3(9), 95-106. Retrieved from https://sloap.org/journals/index.php/irjmis/
Behrens, A. (2021). Scaling-Up Green Finance for the Private Sector in Serbia in the Post-Pandemic World. Belgrade, Serbia: United Nations Development Programme.
Drexler, B., van Bork, G., Mueffelmann, S., Hashemian, C., Siek, H., Sturm, M., Benaglio, N., & Pytkowska, J. (2020). Microfinance in the European Union: Market analysis and recommendations for delivery options in 2021-2027. Brussels, Belgium: European Commission.
Erić, D., Beraha, I., Đuričin, S., Kecman, N., & Jakšić, B. (2012). Finansiranje malih i srednjih preduzeća u Srbiji. Beograd: Institut ekonomskih nauka i Privredna komora Srbije.
Ideba, E. T., Orji, A., Ogbuabor, J. E., Nwodo, I. P., & Anthony-Orji, O. I. (2023). Does Microfinance Bank Credit Influence Output Performance in Nigeria? A New Empirical Evidence from the Dols Approach. Journal of Academic Research in Economics, 15(3), 612–626. Retrieved from https://www.jare-sh.com/
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Kimmitt, J., & Munoz, P. (2017). Entrepreneurship and financial inclusion through the lens of instrumental freedoms. International Small Business Journal, 35(7), 803-828. Retrieved from https://journals.sagepub.com/home/isb
Lash, N. A., & Batavia, B. (2021). Microfinance and business regulations in emerging markets. Enterprise Development & Microfinance, 32(4), 235–248. https://doi.org/10.3362/1755-1986.20-00017
Musau, E. G. (2015). Effects of micro-finance institutions’ services on the sustainability of small enterprises: A survey of small enterprises in Huruma Estate, Eldoret Town. International Journal of Business and Management Invention, 4(1), 12-31. Retrieved from https://ijbmi.org/
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and entrepreneurship. Belgrade, Serbia: Ministry of Economy.
Odoom, F., & Dzisi, S. (2015, September). Microfinancing and the Performance of Small and Medium Enterprises in Ghana. Paper presented at the European Conference on Innovation & Entrepreneurship, Genoa. Retrieved from https://www.proquest.com/docview/1728249442?sourcetype=Conference%20Papers%20&%20Proceedings
Ojong, N., & Simba, A. (2019). Fostering micro-entrepreneurs' structural and relational social capital through microfinance. Journal of Small Business & Entrepreneurship, 31(1), 1-20. Retrieved from https://www.tandfonline.com
PricewaterhouseCoopers. (2017). Ex-ante study to assess the potential future use of Financial Instruments to deploy IPA resources in support of Small and Medium-sized Enterprises (SMEs) in Serbia. Belgrade, Serbia: Author.
Rotich, I., Lagat, C., & Kogei, J. (2015). Effects of microfinance services on the performance of small and medium enterprises in Kenya. African Journal of Business Management, 9(5), 206-211. Retrieved from https://academicjournals.org/journal/AJBM
Rousseau, P. L., & Wachtel, P. (2017). Financial Systems and Economic Growth: Credit, Crises, and Regulation from the 19th Century to the Present. New York: Cambridge University Press.
Ruslan, R. A. H. M., Gan, C., Baiding H., & Quang, N. T. T. (2019). Accessibility to Microcredit by Small- and Medium-sized Enterprises in Malaysia. International Journal of Business & Economics, 18(3), 287–305. Retrieved from https://ijbe.ielas.org/index.php/ijbe
Soldátková, N., & Černý, M. (2022). Microfinance in Sub-Saharan Africa: social efficiency, financial efficiency and institutional factors. Central European Journal of Operations Research, 30(2), 449–477. https://doi.org/10.1007/s10100-021-00789-8
Soldić Aleksić, J., & Hroneos Krasavac, B. (2009). Kvantitativne tehnike u istraživanju tržišta. Beograd: CID Ekonomskog fakulteta Univerziteta u Beogradu.
Soldić Aleksić, J. (2018). Primenjena analiza podataka. Beograd: CID Ekonomskog fakulteta Univerziteta u Beogradu.
Sommer, C. (2022). Unintended consequences of microfinance: Effects on credit access for small‐ and medium‐sized enterprises. Journal of International Development, 34(3), 564–586. https://doi.org/10.1002/jid.3614
United States Agency for International Development. (2017). Sources of financing of small and medium enterprises in Serbia. Belgrade, Serbia: Author.
Yusufu, S. O., Olusegun, S., & Hakeem, T. (2020). Effect of micro finance bank on the growth of Small and Medium Enterprises in Nigeria. KIU Interdisciplinary Journal of Humanities and Social Sciences, 1(2), 127-142. https://doi.org/10.59568/KIJHUS-2020-1-2-09
Anande-kur, F., & Faajir, A. (2020). Micro-Finance and Performance of Micro, Small and Medium Enterprises in Makurdi Metropolis. International Journal of Accounting & Finance (IJAF), 9(2), 1–17. Retrieved from https://www.inderscience.com/jhome.php?jcode=ijaf
Babajide, A. (2012). Effects of Microfinance on Micro and Small Enterprises (MSEs) Growth in Nigeria. Asian Economic and Financial Review, 2(3), 463-477. Retrieved from https://www.aessweb.com/journals/5002
Bagudu, H. D., Khan, S. J. M., & Roslan, A. H. (2016). The impact of microfinance institutions on the development of small and medium enterprises: a case study of Lagos state. International Research Journal of Management, IT and Social Sciences, 3(9), 95-106. Retrieved from https://sloap.org/journals/index.php/irjmis/
Behrens, A. (2021). Scaling-Up Green Finance for the Private Sector in Serbia in the Post-Pandemic World. Belgrade, Serbia: United Nations Development Programme.
Drexler, B., van Bork, G., Mueffelmann, S., Hashemian, C., Siek, H., Sturm, M., Benaglio, N., & Pytkowska, J. (2020). Microfinance in the European Union: Market analysis and recommendations for delivery options in 2021-2027. Brussels, Belgium: European Commission.
Erić, D., Beraha, I., Đuričin, S., Kecman, N., & Jakšić, B. (2012). Finansiranje malih i srednjih preduzeća u Srbiji. Beograd: Institut ekonomskih nauka i Privredna komora Srbije.
Ideba, E. T., Orji, A., Ogbuabor, J. E., Nwodo, I. P., & Anthony-Orji, O. I. (2023). Does Microfinance Bank Credit Influence Output Performance in Nigeria? A New Empirical Evidence from the Dols Approach. Journal of Academic Research in Economics, 15(3), 612–626. Retrieved from https://www.jare-sh.com/
Jain, S. (2019). Microfinance for Micro, Small and Medium-Sized Enterprises in Jaipur, Rajasthan: Sources and Challenges. OORJA - International Journal of Management & IT, 17(2), 23–31. Retrieved from http://oorja.org.in/user/index.php
Kimmitt, J., & Munoz, P. (2017). Entrepreneurship and financial inclusion through the lens of instrumental freedoms. International Small Business Journal, 35(7), 803-828. Retrieved from https://journals.sagepub.com/home/isb
Lash, N. A., & Batavia, B. (2021). Microfinance and business regulations in emerging markets. Enterprise Development & Microfinance, 32(4), 235–248. https://doi.org/10.3362/1755-1986.20-00017
Musau, E. G. (2015). Effects of micro-finance institutions’ services on the sustainability of small enterprises: A survey of small enterprises in Huruma Estate, Eldoret Town. International Journal of Business and Management Invention, 4(1), 12-31. Retrieved from https://ijbmi.org/
National Bank of Serbia. (2020). Banking sector in Serbia (Fourth Quarter Report 2019). Belgrade, Serbia: Author.
Niaz, M. U., & Khan, A. A. (2021). Financial Inclusion through Microfinance and Entrepreneurial Development. City University Research Journal (CURJ), 11(4), 638–650. Retrieved from https://cusitjournals.com/index.php/CURJ
Nikolić, M., & Filipović, M. (2022). The report about small and medium-sized enterprises
and entrepreneurship. Belgrade, Serbia: Ministry of Economy.
Odoom, F., & Dzisi, S. (2015, September). Microfinancing and the Performance of Small and Medium Enterprises in Ghana. Paper presented at the European Conference on Innovation & Entrepreneurship, Genoa. Retrieved from https://www.proquest.com/docview/1728249442?sourcetype=Conference%20Papers%20&%20Proceedings
Ojong, N., & Simba, A. (2019). Fostering micro-entrepreneurs' structural and relational social capital through microfinance. Journal of Small Business & Entrepreneurship, 31(1), 1-20. Retrieved from https://www.tandfonline.com
PricewaterhouseCoopers. (2017). Ex-ante study to assess the potential future use of Financial Instruments to deploy IPA resources in support of Small and Medium-sized Enterprises (SMEs) in Serbia. Belgrade, Serbia: Author.
Rotich, I., Lagat, C., & Kogei, J. (2015). Effects of microfinance services on the performance of small and medium enterprises in Kenya. African Journal of Business Management, 9(5), 206-211. Retrieved from https://academicjournals.org/journal/AJBM
Rousseau, P. L., & Wachtel, P. (2017). Financial Systems and Economic Growth: Credit, Crises, and Regulation from the 19th Century to the Present. New York: Cambridge University Press.
Ruslan, R. A. H. M., Gan, C., Baiding H., & Quang, N. T. T. (2019). Accessibility to Microcredit by Small- and Medium-sized Enterprises in Malaysia. International Journal of Business & Economics, 18(3), 287–305. Retrieved from https://ijbe.ielas.org/index.php/ijbe
Soldátková, N., & Černý, M. (2022). Microfinance in Sub-Saharan Africa: social efficiency, financial efficiency and institutional factors. Central European Journal of Operations Research, 30(2), 449–477. https://doi.org/10.1007/s10100-021-00789-8
Soldić Aleksić, J., & Hroneos Krasavac, B. (2009). Kvantitativne tehnike u istraživanju tržišta. Beograd: CID Ekonomskog fakulteta Univerziteta u Beogradu.
Soldić Aleksić, J. (2018). Primenjena analiza podataka. Beograd: CID Ekonomskog fakulteta Univerziteta u Beogradu.
Sommer, C. (2022). Unintended consequences of microfinance: Effects on credit access for small‐ and medium‐sized enterprises. Journal of International Development, 34(3), 564–586. https://doi.org/10.1002/jid.3614
United States Agency for International Development. (2017). Sources of financing of small and medium enterprises in Serbia. Belgrade, Serbia: Author.
Yusufu, S. O., Olusegun, S., & Hakeem, T. (2020). Effect of micro finance bank on the growth of Small and Medium Enterprises in Nigeria. KIU Interdisciplinary Journal of Humanities and Social Sciences, 1(2), 127-142. https://doi.org/10.59568/KIJHUS-2020-1-2-09