Özet:

The aim of the study is to determine the financial problems, which are one of the most important problems of SMEs operating in Kars center, and to offer solutions according to the results obtained. In accordance with the purpose of the research, the questionnaire data obtained from 340 SMEs operating in Kars were analyzed by Frequency Analysis, Anova Test and T-Test. As a result of the analysis, the financial problems of SMEs were determined to be the constant increase in the prices of goods and services, the shortage of cash in the market, high interest rates, high exchange rates, high collaterals, difficult procedures, insufficient equity and scarcity in the number of credit terms. In addition to these, the shortage of credit amount, delays in debt collections, scarcity of credit diversity, high labor costs, late consumption of stocks, high rental costs and lack of marketing activities were among the identified financial problems. 

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