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Irish Times Innovation Roadshow Talk

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A talk on the pr

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    Счастливые обильные новые ноябре месяце,

    Здравствуйте.
    a
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    Happy abundant new month of November,

    Hello.

    how are you today?
    I hope you are fine and all is well with you ? thank God.My name is JENIFER PETERSON .(i am looking for a good relationship and also to have business proposal with you )if you want. please write me message to my email box
    THANKS,>

    jeniferpeterson1 at / yh / dt / cum
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Irish Times Innovation Roadshow Talk

  1. 1. CURRENT ISSUES IN FUNDING Stephen Kinsella | KBS
  2. 2. CENTRAL POINTS:1.Access to credit is not the only problem SMEs have.2.Learning to thrive in a low-demand, low credit environment is key.3.Policy should be redirected towards these initiatives. Chip shops just as good as nano-bio- watsits from an unemployment perspective.
  3. 3. CONTEXT: WE ARE NOTSPECIAL. GDP COLLAPSESPOST CRISIS
  4. 4. Maria Woods and Siobhán O’Connell Ireland’s Financial Crisis: A Comparative Context CentralBank of Ireland Quarterly Bulletin 04 / October 12
  5. 5. 15 EU Ireland11 8 4 0 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Ireland and EU: Unemployment rates, 2002-2012
  6. 6. LOGIC OF SME FOCUS40,000 Final Domestic Demand, €m30,00020,00010,000 0 1 1 1 1 1 1 1 1 1 Q Q Q Q Q Q Q Q Q 04 05 06 07 08 09 10 11 12 20 20 20 20 20 20 20 20 20
  7. 7. % CHANGE IN SME LENDING
  8. 8. SMES ARE STARVED OF CREDITMcIndoe-Calder and Quinn 2012 found that Irish firmswere only second after Greece in experiencing loanrejections and fear of loan rejections leading to lowerapplications.Implies role of confidence as well as communication inSME credit provision.Big Q: How much money are we talking about?Approximately €100 million per annum
  9. 9. WAGES BY FIRM SIZE AND NATIONALITY, €000 Manufacturing Services Irish Foreign Irish Foreign Micro 35 42 30 65 Small 36 51 32 62 Medium 41 52 31 56 Large 48 63 36 41Source: Census of Industrial Production, (2009)
  10. 10. WAGES BY FIRM SIZE AND NATIONALITY, €000 Manufacturing Services Irish Foreign Irish Foreign Micro 35 42 30 65 Small 36 51 32 62 Medium 41 52 31 56 Large 48 63 36 41Source: Census of Industrial Production, (2009)
  11. 11. AN OLD SCHOOL IDEA

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