Abstract:

The most important problem of small and medium-sized enterprises in a locomotive position of an economy is that they cannot easily provide bank loans. It is vital that women, on the one hand, can make new investments, and on the other hand, can provide funds to stay standing in intense competition. When women use loans from banks in order to meet the needs of funds, the high guarantees demanded by banks are a serious obstacle. This is the Credit Guarantee Fund.(KGF), with the disadvantage and the risk it takes, these can use loans from the banks. KGF is an organization that supports credit access by giving disadvantage to the benefit of companies of the nature of KOBI, which are appropriate to be borrowed by banks, but with insufficiency of guarantee. KGF is supporting small and medium-sized enterprises with its weakness, making it possible for them to use bank loans to finance their investments. The aim of this study is to investigate the functions of the KGF, the impact on the economy, and to present developing recommendations on this system, including the structure and activities of the partnership.