Debt Characteristics Knowledge of Entrepreneurs in the SME Sector of the Czech Republic

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dc.contributor.author Kozubíková, Ludmila
dc.contributor.author Klička, Robin
dc.contributor.author Maňák, Darek
dc.date.accessioned 2017-12-18
dc.date.available 2017-12-18
dc.date.issued 2017
dc.identifier.issn 1803-9782
dc.identifier.other ACC_2017_2_05
dc.identifier.uri https://dspace.tul.cz/handle/15240/21365
dc.description.abstract Vzhledem k nedostatku interních a vlastních zdrojů v malých a středních podnicích (MSP), je dluhové financování nevyhnutelnou součástí celkové hodnoty kapitálu podniku. Cílem tohoto článku je zjistit, jaké znalosti dluhového financování (ve smyslu jeho ceny a rizika) mají podnikatelé MSP. Současně jsme se pokusili zjistit rozdíly v těchto znalostech ve vztahu k věku a vzdělání podnikatelů a délce podnikání. Data byla získána prostřednictvím dotazníkového šetření od 352 podnikatelů MSP v České republice. Naše výsledky ukázaly, že 83 % podnikatelů rozumí nejdůležitějším aspektům úvěrového rizika a 73 % z nich si myslí, že podnikatel potřebuje používat určité množství úvěrů. V tomto tvrzení byly zjištěny statisticky významné rozdíly mezi podnikateli muži a ženami. cs
dc.description.abstract Ze względu na niedobór wewnętrznych i własnych środków w małych i średnich przedsiębiorstwach (MŚP) finansowanie dłużne stanowi nieunikniony element ogólnej wartości kapitału przedsiębiorstwa. Celem niniejszego artykułu jest sprawdzenie wiedzy nt. finansowania dłużnego (w aspekcie jego ceny i ryzyka), jaką posiadając przedsiębiorcy prowadzący MŚP. Jednocześnie podjęto próbę ustalenia, jakie są różnice w posiadanej wiedzy w zależności od wieku i wykształcenia przedsiębiorców i czasu prowadzenia działalności gospodarczej. Dane pozyskano w badaniu ankietowym od 352 przedsiębiorców prowadzących MŚP w Republice Czeskiej. Wyniki badań wskazują, że 83 % przedsiębiorców rozumie najważniejsze aspekty ryzyka kredytowego a 73 % z nich uważa, że przedsiębiorca potrzebuje korzystać z pewnej liczby kredytów. W tym stwierdzeniu stwierdzono statystycznie istotne różnice między prowadzącymi działalność gospodarczą kobietami a mężczyznami. pl
dc.description.abstract Due to lack of internal and own sources in small and medium-sized enterprises (SMEs), the debt financing is an inevitable part of a total amount of capital used in business. The aim of this paper is to find out what knowledge of debt financing (e.g., in the sense of its costs and risk) the SMEs entrepreneurs have. We also tried to reveal the differences regarding such knowledge in relation to age and education of the entrepreneurs and the length of doing their business. The data was collected through the questionnaire survey undertaken on the sample of 352 SMEs entrepreneurs in the Czech Republic. Our results revealed that 83% of entrepreneurs understand the most important aspects of credit risk and 73% of them think that an entrepreneur needs to use a certain amount of loans. There were found statistically significant differences in this statement between male and female entrepreneurs. en
dc.description.abstract Im Hinblick auf den Mangel an internen und eigenen Quellen in kleinen und mittleren Betrieben ist die Schuldenfinanzierung ein unerlässlicher Bestandteil des Betriebskapitals. Das Ziel dieses Beitrags besteht in der Feststellung, was für Kenntnisse der Schuldfinanzierung (im Sinne von deren Preis und Risiko) die Unternehmer in kleinen und mittleren Betrieben mitbringen. Gleichzeitig versuchen wir, die Unterschiede innerhalb solcher Kenntnisse in Bezug auf das Alter und die Ausbildung der Unternehmer sowie auf die bisherige Unternehmensdauer festzustellen. Die Daten wurden mittels einer an 352 Unternehmern mittlerer und kleinerer Betriebe Fragebogenumfrage erhoben. Die Ergebnisse zeigen, dass 83 % der Unternehmer eine Vorstellung von den wichtigsten Aspekten des Kreditrisikos besitzen und 73 % von ihnen meinen, dass der Unternehmer auf eine gewisse Anzahl von Krediten angewiesen ist. In dieser Behauptung wurden statistisch relevante Unterschiede zwischen männlichen und weiblichen Unternehmern verzeichnet. de
dc.format text cs
dc.format.extent 16 stran
dc.publisher Technická univerzita v Liberci, Česká republika cs
dc.relation.ispartof ACC Journal en
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dc.subject.classification small and medium-sized enterprises
dc.subject.classification bebt
dc.subject.classification credit risk
dc.subject.classification age
dc.subject.classification education
dc.subject.classification length of doing business
dc.subject.classification Czech Republic
dc.title Debt Characteristics Knowledge of Entrepreneurs in the SME Sector of the Czech Republic en
dc.title.alternative Wiedza nt. Cech finansowania dłużnego w sektorze małych i średnich przedsiębiorstw w Republice Czeskiej pl
dc.title.alternative Znalosti podnikatelů malých a středních podniků České republiky z oblasti charakteristik dluhového financování cs
dc.title.alternative Kenntnisse der Charakteristiken der Schuldenfinanzierung auf dem Sektor kleiner und mittlerer Betriebe in der Tschechischen Republik de
dc.type Article en
dc.relation.isrefereed true
dc.identifier.doi 10.15240/tul/004/2017-2-005
dc.identifier.eissn 1803-9790
local.relation.volume 23
local.relation.issue 2
local.citation.spage 62
local.citation.epage 77
local.access open
local.fulltext yes en
dc.license CC BY-NC 4.0


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