Financing problems of SMEs and solution proposals: Masko application

As one of the most important components of the world economies, SMEs are important in many aspects from the labor force they have employed to the investments they have made, the taxes they have paid and the added value they have created. The reason for this is that the development stages of the large enterprises are completed by the fact that SMEs are not only services and goods producing enterprises as independent economies, but also large-scale enterprises produce semi-finished or finished inputs used by them. SMEs both compete with large scale enterprises and contribute to the economy by producing services or products by themselves in this competitive environment. SMEs are of great importance for achieving sustainable growth and development of national economies. The growth, encouragement and development of SMEs are important elements in terms of bringing vitality to the economic levels of the states. In addition, SMEs have little contribution to the country's economy for many reasons and cannot work regularly. In this context, the most important problem faced by SMEs is the shortage of financial resources. In order to eliminate the financial problems that SMEs have experienced, it is important to create financing in order for SMEs to carry out activities related to innovation and growth. In this context, the study was designed as 4 sections. In the first section; The aim of the research and the importance of the research were determined. In the second part; The concepts of SME, enterprise, entrepreneur, manager and enterprise are explained. Then, SMEs were classified and strengths and weaknesses of SMEs were studied. Examined the development of Aqaba in SMEs in Turkey, SMEs examined the activities of R & D to increase the competitiveness after referred to SMEs in the place and importance in Turkey's economy SMEs in Germany, France, it focuses on location in the UK economy and its importance. In the third section; Financing features of SMEs in Turkey, SMEs financing sources, financing problems of SMEs, alternative solutions to the financing needs of SMEs and institutions supporting SMEs in Turkey were examined. In the fourth section; The method of the research was discussed and in this context; The scope of the research, the universe and the sample, the scales used in the research, the research model, hypotheses, assumptions, limitations of the research, contribution of the study to the literature, collection of research data, reliability analysis, demographic analysis, factor analysis, anova analysis, correlation analysis and regression analysis were performed. As a result of the analysis; It was found that the financing solution proposals of SMEs differed significantly according to IFAC and IFATKT. When the relationship between SMEs' financing solution proposals and other dimensions of the study is examined; It is of great importance to create rational, productivity-enhancing and long-term policies on the financial problems of SMEs. Considering that SMEs have a developing and changing structure, it becomes imperative for them to undergo financial, structural and managerial changes as soon as possible.