Problems of financial access in businesses and solutions

PROBLEMS OF FINANCIAL ACCESS IN BUSINESSES AND SOLUTIONS Yıldırım AYTİN Van Yüzüncü Yıl University, Institute of Social Sciences Master's Thesis, June 2025 ABSTRACT This master's thesis investigates the financial access problems faced by small and medium-sized enterprises (SMEs) and explores potential solutions to these issues. The study addresses fundamental problems such as high credit costs, collateral requirements, and information asymmetry that SMEs encounter in accessing financial resources. The thesis examines various financing strategies and capital structures used by SMEs to meet their financial needs. The research was conducted using qualitative data collection methods, including semi-structured interviews and case studies, to gain deeper insights and experiences. The thesis provides solutions to SMEs' financial access problems. These solutions include improving financial institutions' credit policies, increasing government support, and more widespread use of fintech solutions. Additionally, the importance of training and consultancy services to enhance SMEs' financial management capacities is emphasized. In conclusion, this study offers a comprehensive analysis to understand SMEs' financial access issues and develop strategic solutions to these problems. The findings aim to contribute to economic growth and sustainable development goals. Keywords: Financial Access, SME Financing, Capital Structure, Financing Strategies, Fintech Solutions. Quantity of Page: 83 Advisor: Asst. Prof. Ayhan CESUR