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

Title Alternative:Wiedza nt. Cech finansowania dłużnego w sektorze małych i średnich przedsiębiorstw w Republice Czeskiej
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dc.contributor.authorKozubíková, Ludmila
dc.contributor.authorKlička, Robin
dc.contributor.authorMaňák, Darek
dc.date.accessioned2017-12-18
dc.date.available2017-12-18
dc.date.issued2017
dc.description.abstractVzhledem 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.abstractZe 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.abstractDue 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.abstractIm 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.formattextcs
dc.format.extent16 stran
dc.identifier.doi10.15240/tul/004/2017-2-005
dc.identifier.eissn1803-9790
dc.identifier.issn1803-9782
dc.identifier.otherACC_2017_2_05
dc.identifier.urihttps://dspace.tul.cz/handle/15240/21365
dc.licenseCC BY-NC 4.0
dc.publisherTechnická univerzita v Liberci, Česká republikacs
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dc.relation.ispartofACC Journalen
dc.relation.isrefereedtrue
dc.subject.classificationsmall and medium-sized enterprises
dc.subject.classificationbebt
dc.subject.classificationcredit risk
dc.subject.classificationage
dc.subject.classificationeducation
dc.subject.classificationlength of doing business
dc.subject.classificationCzech Republic
dc.titleDebt Characteristics Knowledge of Entrepreneurs in the SME Sector of the Czech Republicen
dc.title.alternativeWiedza nt. Cech finansowania dłużnego w sektorze małych i średnich przedsiębiorstw w Republice Czeskiejpl
dc.title.alternativeZnalosti podnikatelů malých a středních podniků České republiky z oblasti charakteristik dluhového financovánícs
dc.title.alternativeKenntnisse der Charakteristiken der Schuldenfinanzierung auf dem Sektor kleiner und mittlerer Betriebe in der Tschechischen Republikde
dc.typeArticleen
local.accessopen
local.citation.epage77
local.citation.spage62
local.fulltextyesen
local.relation.issue2
local.relation.volume23
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