摘要：The purpose of this paper is to identify the problems small and medium-sized enterprises (SMEs) are facing in Serbian municipalities in North Kosovo. The experience and previous researches show that SMEs, especially those in crisis areas, have a greater demand than supply for financial resources. We have created a questionnaire in order to get relevant data from SMEs in North Kosovo and to assess the shortcomings of the system of financing. Results show that access to finance in North Kosovo is extremely limited. Entrepreneurs and SMEs are usually financed with own resources and with a help from friends or family, while the bank loans are not frequent and are very expensive.
关键词：access to finance; SMEs; bank loan; North Kosovo
