Ekonomiczne Problemy Usług (Jan 2015)

Leasing jako źródło finansowania rozwoju mikro, małych i średnich podmiotów gospodarczych

  • Agata Sierpińska-Sawicz,
  • Elżbieta Królikowska

Journal volume & issue
Vol. 116


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The article presents the extent of leasing use to finance the development of micro, small and medium enterprises (MSMEs). These companies finance activities mainly from their own funds contributed by owners and generated profits. In order to accelerate development they also use external funds mainly in the form of leasing. Bank loans account for only 16% of the total funding and are less accessible than leasing. In 2009–2014 leasing was mostly availed by entities from such sectors as health care and social assistance (47% of companies) and manufacturing (46.5% of companies). In order to accelerate the expansion and strengthening the market position in the area of MSME companies use leasing as a financing source for purchasing modern machinery and equipment and the replacement of machinery and equipment for the more technologically advanced. Leasing also serves as a source of funds for purchases of transport means.