KOBİ'lerin finansmanında kredi kullanım düzeyini etkileyen faktörler: Kahramanmaraş örneği

Bu çalısmanın amacı, KOBİ’lerin finansmanında kredi kullanım düzeyini etkileyen faktörlerin incelenmesidir. Çalısmanın birinci kısmında, teorik çatı ve literatür taramasına yer verilmistir. Uygulama bölümündeyse Kahramanmaras ilinde faaliyet gösteren 100 KOBİ’de gerçeklestirilen anket çalısması sonucunda ulasılan bulgular tartısılmıstır. Çalısma sonucunda KOBİ’lerin kredi kullanımını etkileyen faktörler; isletme yası, kurumsallık düzeyi, nakit yaratma düzeyi, isgücü düzeyi ve finans yöneticisinin egitim düzeyi olarak belirlenmistir.

Factors affecting the level of bank loans in SMEs finance: A study in Kahramanmaras

The aim of this study is to investigate factors effecting level of credit using in SMEs financing. At first section of the study investigate theoretical framework and literature survey. In the third part, a survey is conducted and applied to 100 SMEs located in Kahramanmaras. The result of this study, age of enterprise, govarnence, providing cash, labour force and finance managers education are the factors that effects the level of bank loans in SMEs finance .

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