PRACTICES OF BANKS FOR CREDITS TO BE GRANTED TO SMEs

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Uluslararası Bankacılık Ekonomi ve Yönetim Araştırmaları Dergisi
Volume:4 Issue:1
PRACTICES OF BANKS FOR CREDITS TO BE GRANTED TO SMEs

PRACTICES OF BANKS FOR CREDITS TO BE GRANTED TO SMEs

Authors : Cem Sadık ACAR, Müge ÇETİNER

Pages : 1-33

Doi:10.52736/ubeyad.940904

View : 43 | Download : 6

Publication Date : 2021-06-30

Article Type : Research Paper

Abstract :While a certain definition has not been made for SMEs across the world yet, this definition is determined according to conditions of country where SME operates in. In general, companies defined as SME constitute 80%-90% of the overall economy, SMEs lead and drive both employment and economy. In this study, definition of SMEs made in general or by banks and challenges and advantages to be seen with BASEL III are addressed. Innovations brought by BASEL III and effects of these innovations on SMEs are also mentioned. With a field study conducted for Istanbul province specifically, it is aimed to research the source of financing issues of SMEs and tools they use to get over this problem, possible problems they may face with BASEL III and their thoughts on the transition process. In the light of survey findings, it is concluded that most of enterprises operate as SME clients in Turkey, they go through financial issues and their concerns mostly focus on credit costs with BASEL III, but most of them expect a trouble-free transition to BASEL III.
Keywords : SME, BASEL III, Banking, Istanbul Province

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