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Title:FINANCIRANJE RASTOČIH MALIH IN SREDNJE VELIKIH PODJETIJ - NA PRIMERU PODJETJA AVTO NAD D.O.O.
Authors:ID Muhič, Anja (Author)
ID Širec, Karin (Mentor) More about this mentor... New window
Files:.pdf VS_Muhic_Anja_2012.pdf (2,13 MB)
MD5: 5887D890837448220EB272B08B55BA92
PID: 20.500.12556/dkum/04f3dc16-2511-420d-916b-b4139ce46b52
 
Language:Slovenian
Work type:Final seminar paper
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:V diplomskem seminarju smo predstavili vire financiranja, ki so na razpolago na slovenskem finančnem trgu za mala in srednje velika podjetja. Danes je znano, da predstavljajo mala in srednja podjetja najbolj dinamičen del gospodarstva, torej so v svojem delovanju bolj prilagodljiva v primerjavi z velikimi podjetji. Lastniki malih in srednje velikih podjetij so za preživetje primorani pridobiti različna finančna sredstva, ki pa so povezana z različnimi stroški. Ravno preskrba finančnih sredstev pomeni eno izmed največjih ovir za dosego uspešnega poslovanja podjetja, saj je dostopnost do finančnih virov ključnega pomena za pospeševanje podjetništva, konkurenčnosti, inovativnosti in rasti. Za financiranje malih podjetij je značilno pretežno dolžniško financiranje. Večina podjetnikov se na začetku financira z lastnimi prihranki, ki pa običajno ne zadostujejo za dolgoročno rast in razvoj. V tej točki se pri malih in srednje velikih podjetjih pojavlja resen problem, kje pridobiti ustrezne finančne vire. Zaradi nedostopnosti določenih virov financiranja za mala in srednje velika podjetja se podjetja odločijo za obliko financiranja, ki jim je dostopna. To sta največkrat bančni kredit in leasing. Še do nedavnega je bil kredit najpogosteje uporabljen vir financiranja. V zadnjem času pa se vse bolj uveljavlja leasing. Tako leasing postaja zanimiva oblika financiranja za podjetja. V primerjavi s kreditom je leasing bolj fleksibilen, lažje dostopen, hitreje odobren in ne potrebuje dodatnega zavarovanja, kot so poroki in hipoteka. Prednost leasinga je tudi v tem, da je praviloma delež lastne udeležbe manjši kot pri kreditu. V delu diplomskega seminarja smo opisali možne vire financiranja malih in srednje velikih podjetij in predstavili njihove prednosti in slabosti. Omejili smo se na izbrano podjetje, kjer smo predstavili vire financiranja, ki jih podjetje koristi in izpostavili leasing.
Keywords:Mala in srednje velika podjetja, financiranje, financiranje malih in srednje velikih podjetij, dolžniško financiranje, lastniško financiranje, bančni krediti, leasing, faktoring.
Place of publishing:Maribor
Publisher:[A. Muhič]
Year of publishing:2012
PID:20.500.12556/DKUM-21971 New window
UDC:658.14/.17
COBISS.SI-ID:11441948 New window
NUK URN:URN:SI:UM:DK:FV0E5LLH
Publication date in DKUM:18.07.2013
Views:2098
Downloads:412
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:FINANCING THE GROWTH OF SMALL AND MEDIUM SIZED ENTERPRISES: THE CASE OF COMPANY AUTO NAD
Abstract:The thesis addresses the sources of funding available in the Slovenian financial market for small and medium-sized enterprises. It is acknowledged that small and medium-sized enterprises represent the most dynamic part of the economy, so their actions are more flexible compared with large companies. The owners of small and medium-sized businesses are for the start-up and upkeep of business operations, forced to acquire financial assets, which are associated with different costs. Obtaining adequate financial resources constitutes one of the biggest obstacles to achieving a successful business enterprise, since the availability of financial resources is critical to enhance entrepreneurship, competitiveness, innovation and growth. Small enterprise financing is characterized mainly by debt financing. Most entrepreneurs are initially financed with their own savings, which is usually not sufficient for long-term growth and development. At this point in small and medium-sized enterprises there are serious challenges of where to obtain adequate financing sources. Due to the unavailability of certain sources of financing for small and medium-sized enterprises, companies often decide for a form of financing, which is accessible. These are most often bank credit and leasing. Until recently, the credit was the most frequently used source of financing. Recently, however, leasing is becoming an interesting form of business financing. Compared with credit, leasing is more flexible, more accessible; more easily granted and require no additional insurance, such as guarantor of the loan and mortgages. The advantage of leasing is also that the percentage of own participation is generally lower than with the credit. The thesis paper examines the possible sources of financing of small and medium-sized enterprises and present their strengths and weaknesses. We were restricted to a particular company, where we presented the sources of funding which the company used and highlighted the benefits of leasing.
Keywords:Small and medium-sized enterprises, finance, financing of small and medium-sized enterprises, debt financing, equity financing, bank loans, leasing, factoring.


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