This dataset provides a comprehensive overview of financial decision-making processes in Small and Medium-Sized Enterprises (SMEs) for the year 2023. The data is sourced from the Harvard Dataverse and offers detailed insights into various aspects of SME financial decision-making, including established year, type of SME, sector, SME size, and multiple financial factors. The dataset is structured to include key metrics such as financial questions, risk assessment, management decision-making, financial decision-making, and financial analysis, providing a robust foundation for analyzing SME financial decision-making processes.

Key Features

• Established Year: The dataset includes the year each SME was established, facilitating easy identification and tracking of age-related financial decision-making patterns.
• Type of SME: Information is presented by type of SME, allowing for detailed analysis of financial decision-making across different types of SMEs.
• Sector: Data is segmented by sector, providing insights into financial decision-making patterns across various industries.
• SME Size: Information is categorized by SME size, offering insights into financial decision-making trends across different business sizes.
• Financial Factors: The dataset includes multiple financial factors, such as financial questions, risk assessment, management decision-making, financial decision-making, and financial analysis, allowing for comprehensive analysis of financial decision-making processes.

Potential Uses

• Financial Decision-Making Research: Assist in understanding the financial decision-making processes of SMEs, which is crucial for research and academic studies.
• Business and Management Analysis: Support business and management analysis by providing detailed data on SME financial decision-making patterns.
• Policy Development: Inform policymakers in developing and adjusting financial policies based on SME financial decision-making trends.
• Strategic Planning: Provide insights into SME financial decision-making patterns, informing strategic planning for businesses and policymakers.
• Benchmarking: Enable SMEs to benchmark their financial decision-making processes against industry standards and competitors.

The ASM reviews various aspects of SME finance within different countries. These aspects include the banking sector, nonbank sector, and capital markets. The main objectives of the ASM are to: (i) provide indepth analyses relevant to SME sector development and SME finance; (ii) exchange country best practices and experiences on SME finance; and (iii) present timely comparative data on SMEs and SME finance in Asia and the Pacific. The target beneficiaries are the government authorities responsible for enhancing SME access to finance in ADB’s developing member countries (DMCs).

Major reforms and public sector efforts in recent years have focused on improving conditions for increased private sector financing. However, and despite numerous financial institutions operating in the market, financial services penetration remains low. While much progress has been made, challenges remain in terms of affordability and ease of access to finance. Banks are a major source of funding to the private sector and small and medium enterprise (SMEs) in particular, with highly standardized credit products. Other Financial Institutions (OFIs) face a number of growth and market development challenges to effectively serve the lower end of the SME segment, including funding difficulties and institutional capacity. The government plays a critical role through the development banks in promoting credit to SMEs through guarantees and second tier finance programs. The legal framework for immovable collateral (real estate) is affected by high origination costs and lengthy enforcement procedures. The legal framework for movable collateral (equipment, inventory, accounts receivables, and cash) has been modernized. Challenges remain to unify the legal framework and address enforcement delays.

Financial Performance of Italian Food and Beverage SMEs and Large Enterprises during the COVID-19 Pandemic (2019–2022) This dataset supports the research article “A Study on the Mid-Term Financial Impact of COVID-19 on Food and Beverage Processing SMEs: Evidence from Italy” (Garbelli, 2025, under review). It contains panel data for 1,600 small and medium-sized enterprises (SMEs) and a comparative group of large enterprises (250+ employees) operating in the Italian food and beverage processing sector. The data span the period 2019–2022, capturing pre-pandemic conditions, the core pandemic crisis (2020–2021), and the early post-pandemic phase (2022). Variables include standard financial indicators: Return on Equity (ROE), Return on Investment (ROI), EBITDA, and Debt Ratio. All values were extracted from the AIDA Bureau van Dijk database and harmonized using standardized cleaning protocols. Outliers were removed based on the standard deviation method to ensure robustness. Key features: ROE, ROI, EBITDA (total and per employee) Debt Ratio (Liabilities to Equity) Firm size classification: Micro, Small, Medium, and Large Geographical breakdown: North, Center, South & Islands of Italy This dataset was used to conduct a Difference-in-Differences (DID) analysis comparing SMEs and large enterprises, with the aim of isolating the financial effects of the COVID-19 shock net of macroeconomic trends. EBITDA values for large enterprises were initially expressed in thousands of euros and have been converted to absolute values for comparability. All company names and identifiers have been removed or anonymized to ensure compliance with data protection regulations. The dataset is provided in .xlsx format and includes accompanying metadata and variable definitions in a README file.

The following aspects are covered in the survey: -The state of SMEs: their financial situation, their growth and development. -The use of financial instruments: financial institutions and types of financing.Access to finance through banks: the use of banks, ease of access now and compared to the past, attitudes towards banks. - The use of small loans: whether SMEs have done this, their views about it and reasons that would encourage them to do so. - The use of venture capital: to what extent it is currently being used, do SMEs foresee this to be a form of financing in the future and for what reasons? - Financial management: how this is done and to whom SMEs turn for information or advice on financing. #####The results by volumes are distributed as follows: * Volume A: Countries * Volume AA: Groups of countries * Volume A' (AP): Trends * Volume AA' (AAP): Trends of groups of countries * Volume B: EU/socio-demographics * Volume C: Country/socio-demographics ---- Researchers may also contact GESIS - Leibniz Institute for the Social Sciences: http://www.gesis.org/en/home/

In today’s rapidly evolving business environment, digitalisation has become increasingly essential for small and medium-sized enterprises (SMEs). The global momentum to drive digital transformation intensified significantly during the COVID-19 pandemic, affecting businesses in Australia. However, Australian SMEs in the retail sector still face significant challenges in their digitalisation journey, particularly at different stages of the process. Although previous studies pointed out the general advantages and challenges of digitalisation, there is still a lack of understanding the distinct obstacles faced by SMEs at each stage of digitalisation and how these stages impact financial performance. This study aims to bridge the gap by systematically analysing the stages of digitalisation among Australian retail SMEs, exploring the specific challenges they encounter at each stage, and examining the stages of digitalisation and financial performance. This study adopts a qualitative research approach, collecting data by conducting semi-structured interviews with 20 SME owners and managers. The Digital Transformation Theory (including Nobles Theory of the stages of digitalisation) and the Technology Acceptance Model (TAM) was adopted to systematically assess the digital tools used by SMEs at various stages of digitalisation. The study, focusing on the ease and practicality of technology adoption, offers a comprehensive perspective on the core factors influencing technology adoption, while revealing specific challenges faced by SME owners at each stage of the digitalisation process. Moreover, this study contributes at the theoretical level how these frameworks can be applied to explore digitalisation in SMEs, while providing concrete insights and recommendations at the practical level to help SME owners, policy makers and technology providers to allocate resources more efficiently in the various stages of digital transformation. By thoroughly analysing the challenges encountered by SMEs in the process of digitalisation, this study identifies diverse barriers and offers valuable suggestions to improve the efficiency of digital transformation. It allows for an understanding of the gradual character of the digitalisation process and the impact of digitalisation on the financial performance of SMEs. It adds to the existing literature in accounting and to the theories on DTT and TAM. The major limitations of this study were the sample size of only 20 interviews, the challenge of maintaining consistency in the interviews, the possible deviation of self-reported financial data, and the focus on SMEs in the retail sector. However, due to the limited size and resource constraints of a Master's thesis, this study still offered a detailed insight into the challenges faced by SMEs during the digitalisation stages and its impact on financial performance.

Analysis of ‘List of national programmes for SMEs. ’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from http://data.europa.eu/88u/dataset/27bd499a-9545-481f-825c-1a7cdedc75ee on 13 January 2022.

--- Dataset description provided by original source is as follows ---

National SME funding programmes

--- Original source retains full ownership of the source dataset ---

Abstract copyright UK Data Service and data collection copyright owner.

The main objective of the research project was to create a longitudinal panel database of SME data relating to a wide range of non-financial and attitudinal characteristics, and a limited number of financial variables not normally available in modified company accounts, from a national postal survey. This database forms the beginning of the second panel - the first panel was started in 1991. A postal survey was sent to over 10,000 independent small and medium-sized enterprises (SMEs) in the manufacturing and business services sectors in England, Scotland and Wales. Just over half (5,430) the firms were telephoned prior to being sent the questionnaire, and 4,640 firms were sent the questionnaire blind.
One other study concerned with SMEs by the same Principal Investigator(s) is held at the UK Data Archive under SN 4156.
Main Topics:

The questionnaire covered the following topics: general business characteristics; workforce and training; commercial activity and competitive situation; innovation; factors affecting expansion and efficieny; acquisition activity, capital expenditure and finance.

In January 2004, a consortium of public and private sector organisations commissioned Warwick Business School to carry out the United Kingdom Survey of Small- and Medium-sized Enterprises' (SME) Finances, 2004. This was the first representative survey of SMEs to offer a close analysis of businesses with fewer than 250 employees, their main owners and their access to external finance. A second survey was conducted in 2008, where business owners were interviewed by telephone about the finances they have used or applied for in the last three years, their financial relationships, the characteristics of the business and personal details.

In 2007, another consortium of UK public sector bodies, small business representative organisations and finance providers agreed to sponsor a similar survey to the 2004 survey, conducted by the Centre for Business Research based at the University of Cambridge. This study is held at the UKDA under SN 6049, with the title United Kingdom Survey of Small- and Medium-Sized Enterprises' Finances, 2007. It aimed to compile another benchmark and to identify any changes or trends that had emerged since 2004, but made a number of changes to the 2004 questionnaire, so that it is not a direct member of the UKSMEF series, but stands alongside it as a separate cross-sectional survey. The UKSMEF 2008 survey was conducted by the same Principal Investigator as the 2004 survey, based at Warwick Business School, and the 2008 report provides direct comparison between the 2004 and 2008 surveys.
The aims of the 2009 survey were to:

• provide benchmarking data on the availability of credit to SMEs and the types of finance used
• collect information on the relationship between SMEs and their providers of finance
• develop a general purpose micro database for quantitative research on business finance (offering, for example, scope for comparisons with the US Survey of Small Business Finances)

The 2009 sample consisted of 1,250 follow up interviews with businesses interviewed for the 2008 survey. Telephone interviews were conducted by IFF Research Ltd during autumn 2009. These interviews focused on the cost and availability of overdrafts and term loans to businesses in the previous year due to policy makers concerns about the affect of the Credit Crisis on bank lending to SMEs. The data can be used for panel data analysis, in conjunction with UKSMEFs 2004 and 2008, or for standalone cross-sectional analysis. A set of population weights is included in the dataset so that this analysis can be weighted to the UK SME population. These weights were calculated using statistics provided by the Department of Business, Innovation and Skills Enterprise Directorate - see Business population estimates, formerly 'SME Statistics'.

Further information may be found on the ESRC UK Survey of SME Finances 2009 Follow On Study award webpage.

The PSD2 and Open Banking market is experiencing robust growth, projected to reach $430.1 million in 2025 and maintain a Compound Annual Growth Rate (CAGR) of 6.1% from 2025 to 2033. This expansion is driven by several key factors. Increasing regulatory mandates across Europe and other regions are compelling financial institutions to adopt open banking solutions, enhancing customer experience and fostering innovation within the financial ecosystem. Furthermore, the rising demand for personalized financial products and services is fueling the adoption of APIs and data sharing protocols facilitated by Open Banking. The growth is also propelled by the expanding SME and large enterprise segments actively seeking streamlined financial management solutions and improved access to credit and investment opportunities. Competition among established players like Credit Agricole, BBVA, and Finastra, alongside agile fintech companies such as Mambu and DemystData, is driving innovation and accessibility within the market. The market segmentation reveals a diverse landscape. Current accounts, payment services, and credit applications are currently dominating the market share, reflecting the immediate practical applications of Open Banking. However, the investment segment shows significant growth potential as Open Banking technologies enable more efficient portfolio management and access to diverse investment opportunities. Geographical distribution highlights strong growth in North America and Europe, driven by early adoption and regulatory pressure, while the Asia-Pacific region demonstrates significant potential for future expansion due to burgeoning fintech sectors and increasing digitalization. Challenges remain, including data security and privacy concerns, which require robust regulatory frameworks and technological solutions to ensure consumer trust and prevent misuse of sensitive financial information. Overcoming these challenges will be crucial in unlocking the full potential of the PSD2 and Open Banking market in the coming years.

🏳️‍🌈 국제기구

The performance evaluation undertaken included administrative financial data from MFIs and MSMEs which received grants under the Benin Compact as well as survey data and qualitative data from grant recipients. Only MFIs and MSMEs which received grants were included in the data collection. Questionnaires recorded information about the MFIs' and MSMEs' past activities, their interaction with the project, and the agencies it supported, and their overall impressions of the project.

Based on the surveys and financial analysis, it appears that the grants, especially the training, equipment, and the external supervision have played a major role in allowing many MFIs to maintain or expand their operations and maintain or improve performance in spite of unfavorable management/governance factors, external shocks, or an unfavorable policy environment, which are beyond the scope of this evaluation.

The financial analysis of the grantee MSMEs reveals a split between the enterprises continuing to operate with various degree of profitability (about 50% of the enterprises) and those that have either closed or are heavily dependent on further subsidies for continued operations. Among the grantees were five private enterprises, 23 associations, and 14 cooperatives. Of the five private enterprises, four are doing relatively well and one intends to start operations in late 2016.

As an overall conclusion, it can be said that the support to the MFI sector had a strategic impact and made a major contribution to strengthening the MFI sector while contributing to the revival and growth of the sector after the 2010 crisis. For the MFI sector, therefore, the project had a positive systemic impact. However, the same cannot be said of the support to MSMEs.

The research programme had five objectives:
to draw upon and develop recent theoretical contributions to the study of industrial organisation, firm behaviour and organisational change in a way which enabled them to be applied to the study of small firm creation, growth and development;
to employ this framework to analyse empirically the determinants and constraints upon small business birth, growth and survival in a range of industries including hi-tech sectors, knitwear, printing and publishing;
to employ the theoretical framework to analyse empirically the role of interfirm relationships and industrial districts in small firm creation, growth and development;
to provide a detailed empirical analysis of the role of acquisition activity in the growth of small firms;
to use the results of the theoretical and empirical research programme to evaluate policy proposals at a local, national and European level on a range of issues affecting the creation and growth of small firms.
The methodology included econometric and case study analysis. Individual projects were conducted against a background analysis derived from a national postal survey of 2000 businesses and official statistics on the small business sector.
The aim of the study was to create a longitudinal panel of small to medium enterprise (SME) data relating to a wide range of non-financial and attitudinal characteristics, and also including a limited number of financial variables not normally available in modified company accounts, from the national postal survey mentioned above. The initial survey was conducted in 1991 (covering 1987-1990). A first recall survey of the same population took place in 1993, and a second in 1995.
The initial deposit of this study included only the results of the first survey. For the second edition of February 2002, the data and documentation were updated to include the 1993 and 1995 recall surveys.

Model fit statistics.

Access to finance plays a central pillar on the sustainable firm growth of developing and developed nations. This study depicts the linkage between access to external finance, firm quality, and firms’ performance as measured by labor productivity for sustainable small- and medium-sized enterprises (SMEs’) development by employing the ordinary least squares (OLS) regression and propensity score matching (PSM) techniques to alleviate the selection bias and endogeneity issue on Word bank enterprise survey (WBES) cross-sectional firm-level data of 3,196 Bangladeshi SMEs for 2007–2013 period. Empirical evidence linking access to external finance and labor productivity has been positive and significant. However, our finding explores a negative but significant relationship between exports and SME labor productivity. A further look into the results also exhibits no statistical significance in the interaction effect between firm quality and access to finance on labor productivity. Moreover, the study anticipates novel empirical support that, the disintegration effect of export sales between direct and indirect exports with labor productivity for credit-accessed firms, is also found statistically insignificant. Then, several policies are drawn from the results to gain international competitiveness, and to ensure more external finance channels for enhancing SMEs’ performance and sustainable firm growth.

Aggregated data from the AusTender contract system about Australian Government contracts and procurement statistics.

Below is the 2008/09 to 2011/12 aggregated data which contains the proportion of different contract types split by different categories including Defence vs non-Defence, overseas vs locally sourced and SME vs non-SME for each financial year,

China

SME Cloud Market Outlook

The global SME cloud market size was valued at approximately USD 55 billion in 2023 and is projected to reach around USD 155 billion by 2032, registering a compound annual growth rate (CAGR) of 12.4% during the forecast period from 2024 to 2032. The rapid growth of this market can be attributed to several factors, including the increasing adoption of cloud services by small and medium enterprises (SMEs) to reduce IT costs, enhance scalability, and improve flexibility in business operations.

One of the primary growth factors for the SME cloud market is the cost efficiency offered by cloud computing. SMEs often operate under tight budget constraints and seek ways to minimize expenses while maximizing operational efficiency. Cloud services eliminate the need for significant upfront investments in hardware and software, providing a pay-as-you-go model that aligns with the financial capabilities of SMEs. This financial flexibility allows smaller businesses to compete more effectively with larger enterprises and accelerates their digital transformation processes.

Another significant growth driver is the increasing demand for data storage and management solutions. As SMEs generate more data than ever before, they require robust and scalable storage solutions. Cloud-based storage offers an attractive alternative to traditional on-premises storage solutions by providing virtually unlimited capacity and seamless scalability. Additionally, cloud solutions offer enhanced data security features, disaster recovery options, and simplified data management, making them an ideal choice for SMEs looking to streamline their operations and safeguard their valuable information.

The widespread adoption of remote working practices, accelerated by the COVID-19 pandemic, has also contributed to the growth of the SME cloud market. As businesses adapt to new work environments, the demand for cloud-based collaboration and communication tools has surged. Cloud services enable remote teams to access essential business applications and data from anywhere, fostering collaboration, enhancing productivity, and ensuring business continuity. This shift towards remote work is expected to have a lasting impact on the demand for cloud services among SMEs.

Cloud Enterprise Solution providers have recognized the unique needs of SMEs and are tailoring their offerings to better serve this market segment. These solutions are designed to provide comprehensive support for businesses transitioning to cloud infrastructure, ensuring seamless integration with existing systems and processes. By offering a range of customizable options, Cloud Enterprise Solution providers enable SMEs to optimize their cloud strategies, enhance operational efficiency, and drive innovation. This approach not only addresses the immediate needs of SMEs but also positions them for long-term success in an increasingly digital world.

Regionally, North America is expected to dominate the SME cloud market, owing to the presence of major cloud service providers and the high adoption rate of advanced technologies by businesses in this region. However, significant growth opportunities also exist in the Asia Pacific region, driven by the rapid digitalization of emerging economies such as India and China, strong government support for cloud initiatives, and the increasing number of SMEs in these markets. Europe and Latin America are also projected to witness substantial growth, fueled by ongoing technological advancements and the growing awareness of the benefits of cloud computing among SMEs.

Deployment Mode Analysis

The deployment mode segment in the SME cloud market is categorized into public cloud, private cloud, and hybrid cloud. The public cloud segment is anticipated to hold a significant share of the market due to its widespread acceptance among SMEs. Public cloud services offer several advantages, including cost savings, ease of use, and the ability to scale resources according to business needs. SMEs, with their limited IT budgets and need for rapid scalability, find public cloud services particularly appealing. The flexible pricing models and comprehensive service offerings provided by public cloud providers contribute to their popularity among smaller enterprises.

The private cloud segment, although smaller in comparison, is also poised for substantial growth. Private cloud environments offer enhanced security, control, and customization, making

Dataset for a research study on the impact of financial management practices on small and medium enterprises.The data was collected using questionnaire surveys.

The Commercial Loan Origination System (CLOS) market is experiencing robust growth, driven by the increasing demand for streamlined and efficient loan processing across Small and Medium-sized Enterprises (SMEs) and large corporations. The shift towards digitalization within the financial sector, coupled with the rising adoption of cloud-based solutions, is significantly accelerating market expansion. Competition is fierce, with established players like Ellie Mae (ICE Mortgage Technology), Finastra, and FIS Global vying for market share alongside innovative companies like nCino and Calyx Software. The North American market currently dominates, fueled by robust technological infrastructure and a high concentration of financial institutions. However, regions like Asia-Pacific, particularly India and China, show significant growth potential due to expanding economies and increasing adoption of digital lending platforms. The preference for cloud-based solutions is projected to continue its upward trajectory, offering scalability, cost-effectiveness, and enhanced accessibility compared to on-premises systems. Regulatory changes aimed at improving transparency and reducing fraud are also influencing the market, prompting institutions to adopt more sophisticated CLOS solutions. Future growth within the CLOS market will be shaped by factors such as the increasing integration of artificial intelligence (AI) and machine learning (ML) for credit risk assessment and automated underwriting. Furthermore, the expansion of open banking initiatives and the growing need for enhanced data security and compliance will further drive market evolution. Challenges remain, however, including the high initial investment costs for implementing new systems, the complexities of integrating legacy systems, and the ongoing need for skilled professionals to manage and maintain these sophisticated platforms. The overall market outlook remains positive, with a projected steady CAGR, although precise figures are dependent on factors like economic stability and regulatory developments. We estimate the market to reach a valuation of approximately $15 Billion by 2033, assuming a conservative CAGR of 12% based on current market trends.