TY - JFULL AU - Vinko Vidučić and Ljiljana Vidučić and Damir Boras PY - 2014/5/ TI - SMEs Access to Finance in Croatia – Model Approach T2 - International Journal of Economics and Management Engineering SP - 1036 EP - 1042 VL - 8 SN - 1307-6892 UR - https://publications.waset.org/pdf/9997948 PU - World Academy of Science, Engineering and Technology NX - Open Science Index 88, 2014 N2 - The goals of the research include the determination of the characteristics of SMEs finance in Croatia, as well as the determination of indirect growth rates of the information model of the entrepreneurs` perception of business environment. The research results show that cost of finance and access to finance are most important constraining factor in setting up and running the business of small entrepreneurs in Croatia. Furthermore, small entrepreneurs in Croatia are significantly dissatisfied with the administrative barriers although relatively to a lesser extent than was the case in the pre crisis time. High collateral requirement represents the main characteristic of bank lending concerning SMEs followed by long credit elaboration process. Formulated information model has defined the individual impact of indirect growth rates of the remaining variables on the model’s specific variable. ER -