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Table of Contents:
1.2.3.4.6.Overview of the SME sector Why SMEs fail? Capacity and the SME Capacity Building Initiatives for Success Discussions
MSME Definition
Indicator
Micro Small Medium
Employees
< 10 10-49 50-300
Indicator
Employees
Less than 10 (<N5m) 10 - less than 100 (N5-N50,m) 100 - less than 1,000 (N50-N500m)
Source: New national policy on MSMEs
50% of SMEs die within their first year Only 20% survive beyond 5 years.
...most SMEs are sophisticated in their aspirations; but only a few of them rise above mediocrity in the administration of their businesses - a bank Loan Officer
- 80% of SMEs seek access to a loan - SME finance gap: formal SMEs - US$46 billion (informal MSMEs - US$12.7 billion). - 10% of Nigerian SMEs applied for a loan or a line of credit - Only 5% of SMEs are able to get a loan
Capital
Other financial resources Access to other sources of financing, Owners Contributions, earnings reinvestment Sensitivity to external economic forces Underlying value of company and collateral provided Ability to meet obligations Business Strategy, Industry Analysis, Strength and Size of competitors Hidden asset values, Asset reevaluations Other commitments Financial Structure Investment Strategy Cash Flow Analysis
Condition
Collateral
Capacity
Overview IFCs SME Toolkit is a one-stop-shop for SMEs and entrepreneurs looking for business management information, interactive tools and training resources to grow their businesses. The program operates through a network of local partners and distributors and leverages the latest information and communication technologies (web, mobile, apps) to provide SMEs with high quality resources.
Business Edge
BE is an IFC owned training methodology specifically designed to strengthen the management skills of owners, managers and www.businessedge-africa.com staff of SMEs. BE offers its clients management training solutions adapted and easily applicable to local business context that are delivered through a network of local franchised providers and certified trainers. BE covers 54 management courses SME Governance Corporate Governance training solutions
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