ICT Small Businesses Access To Bank Financing

Working and learning together: ICT supported learning in small businesses

Information and communications technologies (ICT) sit at the centre of lifelong learning policy in the UK. Considerable public expenditure is being applied to the creation of on-line learning and on-line learner information services. These are seen as having a major role in stimulating learning in the small business sector which has traditionally proved reluctant to engage in structured program...

Access to Financing for Small and Medium Enterprises

187 I N Latin America and around the world, small and medium enterprises (SMEs) comprise a large share of firms, employment, and gross domestic product (GDP). A new World Bank database on SMEs (defined as firms employing up to 250 workers) suggests that they employ nearly 50 percent of the labor force in the formal economy in Mexico; nearly 60 percent in Ecuador and Brazil; around 70 percent in...

Bank Financing in India∗

The Indian banking sector has been remarkably successful in some respects. Its immense size and enormous penetration in rural areas are exemplary among developing countries, as is its solid reputation for stability among depositors. The penetration in rural areas has been associated with a reduction of poverty and a diversification out of agriculture (Burgess and Pande, 2003). However in recent...

Corporate Access to External Financing

Access to external finance, such as bank loans or trade credit, is a key determinant of a firm’s ability to develop, operate, and expand. Economic researchers have studied how various macroeconomic and microeconomic factors influence such access; for example, it has been shown to depend on the macroeconomic environment, since economic downturns tend to limit firms’ ability to borrow and banks’ ...

Employee Owned Businesses – Access to Funding