PKPPPolska Konfederacja Pracodawcow Prywatnych (Polish Confederation of Private Employers))
PKPPPodroz Koleja Po Polsce (Polish: Travel by Rail in Poland)
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3) In the third stage the revenues of SMEs operating for less than one year for each group (micro, small and medium-sized) was multiplied by 20% (demand for credit according to research made by the International Finance Corporation, the World Bank Group and McKinsey Co.) and multiplied by 27% (percentage of entrepreneurs willing to use a bank loan according to research by PKPP Lewiatan).
According to research carried out by PKPP Lewiatan, approximately 70% of micro-enterprises, 50% of small enterprises and 30% of medium-sized enterprises conduct their activity using their own financial resources.
Table 1: Funding gap for SMEs in Poland in 2014 Gap according to Size of enterprises Gap according to unfulfilled demand unwarded funding in for a credit in PLN PLN billion billion Micro 9.96 8.69 Small 0.16 0.16 Medium 0.15 0.15 Total 10.27 8.99 Size of enterprises Revenues of enter- Number of enterpri- prises from the gap ses in the gap area in PLN billion Micro 563,494 184,39 Small 679 2,95 Medium 136 2,77 Total 564,308 190,11 Source: own elaboration on the basis of research results Chart 1: Sources of funding of SMEs in Poland loans own funds or lack of investment total 27,1 72,9 smal 43,5 56,5 micro 24,3 75,7 medium 62,2 37,8 Source: own elaboration based on: PKPP Lewiatan (2011).