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EN
The article presented a group of financial services called „Business Partner” - addressed to subjects leading economic activity on a small and medium scale. Special attention has been turned on presenting from one side of credit offer of PKO BP SA, and from the other side of financial needs of subjects belonging to section SME. Moreover, specificity driven by this segment of economic activity has been taken into account and barriers most often meet by them.
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EN
This paper presents the barriers for development which the small and medium entrepreneurs encounter and which define the characteristics of the market the entrepreneurs operate. The majority of these barriers limit the fastness and the effectiveness of the further comprehensive changes in the whole economy.
EN
The paper highlights the necessity to implement organizational, production and service innovations among SMEs. Introducing innovative actions and products into market (regional, national or global) helps companies to avoid bankruptcy and increases their effectiveness. Permanent implementation of new and better practices is a must to keep the position on the market in times of crisis. Financial constraints often limit implementation of innovation; however nowadays companies can take advantage of European structural funds and obtain capital for investments through this channel. The aim of the paper is to discuss the level of innovativeness among companies in Lodz region by taking example of one of the programmes for years 2007– 2013, Innovative Programme (4.1).
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