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One of the key problems facing Small- and Medium-sized Enterprises
(SMEs) is their inability to get bank loans. In start contrast
to this, another frequent factor SMEs deal with is the lofty
limit of support. The SMEs are often too small to actually
obtain the loans which they are applicable for and whose requirements
they can meet. Furthermore, the lack of information can also
cause problems.
In case of nature friendly bank loans, financial institutions
should take into consideration the so-called 'no-money based
personal contributions'. Besides, establishment of professional
consortiums could also help in acquiring loans. The follow-up
of activity completion and the long term control of the results
should be emphasized instead of the administration liabilities.
State guarantee and tax support could inspire the development
of effective biodiversity friendly bank loans.
The support of the European Union could further stimulate
the expansion of the so-called pro-biodiversity businesses.
As one option, banks could also accept EU support as the personal
contribution. Moreover, microfunds from EU support could be
created with the aim of changing regulations. With the involvement
of gestor organisations, pro-biodiversity businesses could
obtain the opportunity to receive funding for their activities.
Developing new and enhancing existing partnerships could also
play an important role for the business sector to get more
involved in nature conservation.
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