Abstract:

In our study, 386 KOBIs operating in Diyarbakır province have been attempted to identify the loans provided from external sources and the problems they create in the business. We can summarize the results of this work in this framework.  A large part of the have been funded by loans, and a large part of these loans are provided by banks. In this context, it has been established that do not benefit sufficiently from KOSGEB’s loans, which is also due to the reduction from the loans received by the public debt to the debt. Credit companies have expressed a significant part of the difficulties they experience in the use of loans as guarantees and formality-form conditions. However, a large number of are unable to present a problem in terms of the amount of the loan.

Abstract:

In our study on 386 SMEs operating in Diyarbakir province, external source loans and the problems posed by these companies are tried to be put forward. We can summarize the results of the study in this frame. It was observed that most of the enterprises provided financing by loans and obtained a large portion of these loans from banks. In this regard, it is determined that the enterprises did not benefit enough from KOSGEB loans and the reason for this is the deduction made by the government borrowing enterprises as much as the debt received from the creditors. The enterprises that use credit have stated a significant portion of the difficulties which experienced in the use of credit as providing collateral and formality-form conditions. At the same time, a significant portion of the enterprises cannot present a problem in terms of the amount of the loan.

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