Sebok wg 2 final report

Source: Survey CRC 2003

The following chart provides data about typologies and donators of short-term loans:

	Specialized banks	Co-operative credit banks	Traditional banks	Qualified financial broker ( no banker’s)	Other	Total
	%	%	%	%	%	%
Advance by overdraft	12,1	19,7	56,1	-	-	87,9
Discount	-	3,0	12,1	3,0	-	18,2
Subject to collection advanced	15,2	10,6	39,4	3,0	-	68,2
Advanced payment on pledges	1,5	1,5	4,5	-	-	7,6
Factoring	-	-	-	-	-	0,0
Facilitated credits to B.T. against specific laws	-	1,5	4,5	1,5	6,1	13,6
Other	6,1	3,0	9,1	-	3,0	21,2
TOTAL	34,8	39,4	125,8	7,6	9,1	216,7

Source: Survey CRC 2003.

Concerning short – term loans guarantees, the situation may be summed up as it follows:

According to typology of grantor insitution
	With guarantees only									Also with guarantees
100%			39,1		50,0		43,4				40,0		16,7		42,7
90%
													83,3
80%
70%
			60,9
60%											60,0
							56,6								57,3
50%					50,0
40%
30%
20%
10%
0%
			Specialized banks		Co-operative credit banks		Traditional banks				Qualified financial broker ( no banker’s)		Other		Total

2. Short-term and long – term loan

The need of medium and long –term loan is not so much considered by social enterprises because usually they resort to:

• 
  self –financing and public contribution,
  
• 
  relevant investments ( for equipments, machinary etc.)
  

No profit organizations resort to medium and long-term loans through:

• 
  loans
  
• 
  other forms of finincing (leasing, etc.):
  

obtained through banks or specialized intermediaries.

Typologies and donators of medium – term and long – term loans:

	Specialized banks	Co-operative credit banks	Traditional banks	Qualified financial broker ( no banker’s)	Other	Total
	%	%	%	%	%	%
Loan	19,7	8,2	29,5	8,2	4,9	70,5
Finance lease	-	-	11,5	6,6	3,3	21,3
Subsidied credits	-	-	9,8	11,5	8,2	29,5
Import/export credits	-	-	-	-	1,6	1,6
Acceptance credit/ segnature credits	3,3	1,6	6,6	3,3	1,6	16,4
Other	1,6	-	3,3	-	3,3	8,2
TOTAL	24,6	9,8	60,7	29,5	23,0	147,5

Source: Survey CRC 2003.

Institutions data providing medium – term and long – term loans :

	With grarantees only									Also with guarantees
100%			6,7		16,7		24,3				27,8		21,4		21,1
			93,3
90%
					83,3
80%													78,6		78,9
							75,7				72,2
70%
60%
50%
40%
30%
20%
10%
0%
			Specialized banks		Co-operative credit banks		Traditional banks				Qualified financial broker ( no banker’s)		Other		Total

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