{"id":4042,"date":"2014-07-04T17:32:08","date_gmt":"2014-07-04T17:32:08","guid":{"rendered":"http:\/\/ceves.org.rs\/?p=4042"},"modified":"2025-11-11T13:46:39","modified_gmt":"2025-11-11T12:46:39","slug":"sme-growth-opportunities-and-how-policies-and-banks-miss-them-3","status":"publish","type":"post","link":"https:\/\/ceves.org.rs\/en\/sme-growth-opportunities-and-how-policies-and-banks-miss-them-3\/","title":{"rendered":"Opportunities for the Growth of Small and Medium Enterprises \u2013 How Banks and Policies Bypass Them"},"content":{"rendered":"<h3 style=\"text-align: justify;\">Partner: United States Agency for International Development (USAID)<\/h3>\n<h4 style=\"text-align: justify;\">Year: 2014<\/h4>\n<p>The project aimed to motivate banks and other stakeholders to find financing modalities that are more suitable for the SME market segment than existing banking practices, by presenting strong evidence of missed opportunities resulting from current practices. An additional objective of the project was to assess whether and how commercial banks in Serbia can increase lending to resilient and growing SMEs. This analysis covered two components. The first component was focused on presenting the structure, performance, and growth potential of SMEs in Serbia. The second component aimed to understand and analyze the banking practices for SME financing, in order to determine if there are opportunities to expand financing for the mutual benefit of both banks and SMEs. The analysis and assessment were based on indicators from the financial reports of all companies operating in Serbia during the period from 2005 to 2012. In addition, CEVES interviewed sales and risk management executives in 11 banks (approximately 70% of the Serbian banking market).<\/p>\n<p><span style=\"font-size: 10pt;\">available in English only<\/span><br \/>\n<a href=\"http:\/\/ceves.org.rs\/wp-content\/uploads\/2018\/07\/USAID-BEP-Report_2014.pdf\" target=\"_blank\" rel=\"noopener\">Report<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Partner: Ameri\u010dka agencija za me\u0111unarodni razvoj (USAID) Godina: 2014 Projekat je imao za cilj da motivi\u0161e banke i druge zainteresovane strane, da prona\u0111u modalitete finansiranja koji su pogodniji za tr\u017ei\u0161ni segment malih i srednjih preduze\u0107a, od postoje\u0107ih bankarskih praksi; kroz prikaz jakih dokaza o propu\u0161tenim mogu\u0107nostima sprovo\u0111enjem aktuelne prakse. Dodatni cilj projekta bio je da [&hellip;]<\/p>\n<div class=\"moje-dodatne-kategorije\"><span class=\"cat-label\">Programska oblast: <\/span><a href=\"https:\/\/ceves.org.rs\/en\/category\/projekti\/razvoj-privatnog-sektora-i-industrijska-politika\/\" class=\"moj-cat-link\">Razvoj privatnog sektora i industrijska politika<\/a><\/div>","protected":false},"author":11,"featured_media":8827,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58,68],"tags":[70],"class_list":["post-4042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-projekti","category-razvoj-privatnog-sektora-i-industrijska-politika","tag-sme"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mogu\u0107nosti za rast malih i srednjih preduze\u0107a - kako ih banke i politike zaobilaze - Ceves | Centar za visoke ekonomske studije<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ceves.org.rs\/en\/sme-growth-opportunities-and-how-policies-and-banks-miss-them-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mogu\u0107nosti za rast malih i srednjih preduze\u0107a - kako ih banke i politike zaobilaze - Ceves | Centar za visoke ekonomske studije\" \/>\n<meta property=\"og:description\" content=\"Partner: Ameri\u010dka agencija za me\u0111unarodni razvoj (USAID) Godina: 2014 Projekat je imao za cilj da motivi\u0161e banke i druge zainteresovane strane, da prona\u0111u modalitete finansiranja koji su pogodniji za tr\u017ei\u0161ni segment malih i srednjih preduze\u0107a, od postoje\u0107ih bankarskih praksi; kroz prikaz jakih dokaza o propu\u0161tenim mogu\u0107nostima sprovo\u0111enjem aktuelne prakse. Dodatni cilj projekta bio je da [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ceves.org.rs\/en\/sme-growth-opportunities-and-how-policies-and-banks-miss-them-3\/\" \/>\n<meta property=\"og:site_name\" content=\"Ceves | Centar za visoke ekonomske studije\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CEVES.org\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-07-04T17:32:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-11T12:46:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ceves.org.rs\/wp-content\/uploads\/2023\/10\/Screenshot_4.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"655\" \/>\n\t<meta property=\"og:image:height\" content=\"321\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stefan Radisavljevic\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@CEVES1\" \/>\n<meta name=\"twitter:site\" content=\"@CEVES1\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stefan Radisavljevic\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ceves.org.rs\\\/sme-growth-opportunities-and-how-policies-and-banks-miss-them-3\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ceves.org.rs\\\/sme-growth-opportunities-and-how-policies-and-banks-miss-them-3\\\/\"},\"author\":{\"name\":\"Stefan Radisavljevic\",\"@id\":\"https:\\\/\\\/ceves.org.rs\\\/#\\\/schema\\\/person\\\/2c1e819f2d06fc068dd55466231f1e16\"},\"headline\":\"Mogu\u0107nosti za rast malih i srednjih preduze\u0107a &#8211; 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