University of Economics in Bratislava, 1 Dolnozemská Street, 852 35 Bratislava, Slovakia
3rd International Scientific Conference – EMAN 2019 – Economics and Management: How to Cope With Disrupted Times, Ljubljana – Slovenia, March 28, 2019, CONFERENCE PROCEEDINGS published by: Association of Economists and Managers of the Balkans, Belgrade, Serbia; Faculty of Management Koper, Slovenia; Doba Business School – Maribor, Slovenia; Integrated Business Faculty – Skopje, Macedonia; Faculty of Management – Zajecar, Serbia, ISBN 978-86-80194-17-2, ISSN 2683-4510
Small and medium-sized enterprises are a key segment of the business sector in Slovakia, as well as the backbone of the economy and the basis for the country’s competitiveness. A favorable business environment and the provision of appropriate forms of support is an important prerequisite
for the successful development of small and medium-sized enterprises because they usually have limited financial sources and significantly higher sensitivity to the existence of different barriers in business compared to large enterprises. Under the conditions of Slovakia, a number of support measures have been implemented, which direct or indirect aim is to support small and medium-sized enterprises. The aim of the article is to evaluate support programmes for SMEs in the SR and to propose measures to improve the support system.
Small and medium – sized enterprises, public support programmes, bank loans
 SBA. (2018). State of Small and Medium Enterprises 2017. https://www.sbagency.sk/en/ slovak-business-agency
 Berry, A., Grant, P., Jarvis, R. (2004). European Bank Lending to the UK SME Sector, An Investigation of Approaches Adopted. In International Small Business Journal, Vol. 22, No. 2, pp.115 – 130.
 Cressy, R., Olofsson, Ch. (1997). European SME Financing. In Small Business Economics, 2, pp. 87 – 96.
 Berger, A., Udell, G. (1995). Relationship Lending and Lines of Credit in Small Firm Finance. In Journal of Business, 3, pp. 351 – 382.
 Berger, N. A., Udell, F. G. (2002). Small Business credit Availability and Relationship lending. The importance of Bank organisational Structure. In The Economic Journal, Vol. 112, Issue 477, pp. F32-F53.
 Dierkes, M. et al. (2013). Business credit information sparing and default risk of private firms. In Journal of Banking & Finance, Vo. 37, pp. 2867-2878.
 Machauer, A., Weber, M. (2000). Number of bank relationships: An indicator of competition, borrower quality, or just size? CFS Working Paper, No. 2000/06.
 Degryse, H., Van Cayseele, P. (2000). Relationship lending within a Bank-based system: Evidence from European small business data. Center of Economic Studies, Discussion Paper Series DPS 98.16.
 Pervan, I., Kuvek, T. (2013). The relevant Importance of Financial Ratios and Nonfinancial variables in Predicting of Insolvency. In Croatian Operational research review, No. 4, pp. 187-197.
 SBA (2018). Analýza efektívnosti podpory podnikania. www.sbagency.sk
 EK (2017a). Survey on the access to finance of enterprise. www.ec.europa.eu
 EK (2017b). Businesses’ attitudes towards corruption in the EU. www.ec.europa.eu
 SBA and Crystal Ball (2018). Postoje MSP k využívaniu podporných nástrojov.