Small business problems. Small business loans. Starting a Small Business

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Every year a huge number of small businesses are created in Russia. Most of them close the next year, a smaller part manages to work for several years. And only a small proportion of all organizations successfully operate in the market. Recently, people have lost the desire to start their own business. This is due to the problems of small businesses that exist in our country at the moment. In this article, we will try to understand this issue.

What troubles are small businesses facing?

The Russian Federation is following its own path in business development. This road is quite specific, and many businesses suffer because of this. Support for small businesses is carried out in accordance with the mentality of citizens, the unstable economy, and the lack of information about the conduct of corporate culture.

A person who decides to start his own business must understand that his success depends not only on the efforts of a novice entrepreneur. Various external and internal factors have a strong influence. All emerging difficulties can be conditionally divided into several groups:

• financial;
• loan problems for small businesses;
• organizational difficulties;
• logistics.

In order for a business to function normally and productively, interaction between the buyer, the entrepreneur and the state is necessary. Only in this case will the business succeed.

Internal difficulties

Such small business problems include lack of money, poor planning and leadership. Of course, many faced a lack of start-up capital. If you have the right amount on hand, this is not a guarantee of success. After all, you need a fresh good idea, a competent business plan, constant improvement of your business.

One of the main problems of small business development is the lack of knowledge about the correct planning of activities. This point should not be underestimated, as thoughtless spending of funds can lead to bankruptcy. If there is a plan, you need to change it under the real emerging conditions.

The administration of the organization should consist of highly qualified professionals. Often the manager forgets about his direct duties and turns into an ordinary manager. This situation will not have a very favorable effect on the result of the enterprise.

Controversial points in legislation

To be fair, it should be noted that the first legal act on small business was adopted in 1995. Even then it was clear that this law has a large number of shortcomings. To datethere is another act adopted in 2007. It is still constantly being changed.

Starting a small business in Russia comes with some challenges. Many are frightened by the endless reports that every entrepreneur must compile for a certain period. There is also a system of pen alties for not submitting reports on time, and the payouts are pretty decent. Even despite the fact that the state regularly forms programs to support small businesses and a simplified tax system, payments still remain quite large. Therefore, people do not want to get involved with this, since you can give more money than you earn.

Regulation and access to government orders

Problems of small businesses in Russia are also due to the strict regulation of the activities of entrepreneurs by the state. In practice, this is called administrative barriers. These include endless constant checks, a complex registration and liquidation procedure, and the collection of a huge number of certificates.

As foreign practice shows, the fewer various obstacles for small business, the better it functions. Getting rid of such barriers will bring many benefits.

It's no secret that the government is doing its best to support small businesses. However, to get help, you need to try hard. If any state order is put up, there are many applicants. And often in the end he gives himself up to an incomprehensible suspiciousfirm. This is a classic case of a corrupt scheme and it is very difficult to change. This obstacle is a serious problem for small businesses.

Financing and sanctions for small businesses

Speaking of problems, we cannot ignore the topic of loans for small businesses. The reality is that not all banks are ready to give money to a novice entrepreneur as a loan. According to statistics, only a third of young businessmen can get a loan, the rest are denied. This is due to the bank's fear that entrepreneurs will not repay their debts.

If a person is going to start his own business and start production, then his chances of getting a loan are minimal. Banks are much more willing to provide loans to those individuals who have already taken them and repaid them on time. This is called a good credit history. Banks also often make concessions by lowering interest rates and monthly payments.

In addition, it is worth noting the impact of sanctions on small businesses. The growth of the dollar and the euro had a negative impact on this type of entrepreneurship. Before the imposition of sanctions, there were a large number of problems for small businesses in Russia, and with them they became even more.

Subsidies for starting a business

It is important to note that the state is trying its best to support start-up entrepreneurs, so such a subsidy was introduced. Under this program, a businessman can be given up to 500,000 rubles. However, to get this amount, you need to match the seriesrequirements. For example, it is necessary to operate the enterprise for at least two years. The organization must have more than 250 employees, and there must also be no debt on various kinds of obligations.

Money received from small business subsidies can be spent on necessary equipment, software, etc. It is worth noting that the subsidy is issued only in the capital of our country. The money can be spent on renting an office in Moscow, as well as on the purchase of raw materials. The following condition must be met: the total purchase amount must not exceed 20% of the subsidy amount.

Other subsidies

In addition to the assistance discussed above, the state offers other subsidies. For example, reimbursement of interest on a loan is very popular. As in the first case, a number of conditions must be met for this. A small business must be officially registered, an entrepreneur must pay taxes on time, and also have a loan agreement concluded no more than two years ago.

In addition, it is necessary that the organization does not belong to the field of trade, and the money from the loan does not go to the working capital of the company. There are also several other subsidies for small businesses, such as reimbursement of lease payments. This type of assistance is quite popular, since you can get up to 5 million rubles, but you must have a financial lease agreement. Also, after a few months, the entrepreneur must provide a report on the funds spent.

Prospects for the development of smallbusiness

Speaking about the future of small business in Russia, it is worth noting that the state understands the importance of business for the country's standard of living. If this industry is not developed, the middle class may disappear completely, and society will be discriminated against. New programs to support entrepreneurship are released every year, the state is on the right track.

The main thing is to ensure the realization of all the rights and freedoms of a novice businessman. According to experts, in the near future, good prospects are seen for those who sell essential goods, that is, food, clothing and footwear stores. In addition, a service station, car wash, etc. will never be left without work.

Despite all the problems of small business, the state is moving forward, trying to understand the difficulties and offer its own solution.