AN EVALUATION ON FINANCIAL PROBLEMS OF SMALL AND MEDIUM SIZED ENTERPRISES (SMSEs) IN TURKEY

Turkey also consists of a majority of businesses are small and medium-sized organizations that we define as Kobi. But despite their large numbers, their contribution to the country's economy is not so much. The main reasons are financial problems, financial management problems, productivity problems. The fact that they are not able to follow the developments in the world of finance, the lack of auto financing facilities, the collateral problems they encounter in credit purchases, the low credit volumes, and the high credit costs, the inability to enter the capital market, and other similar problems prevent SMEs from having strong financial structures and reduce their competitiveness. Based on the fact that SMEs that cannot overcome their financial problems in the globalizing world will not survive in the national/international intensive competition environment, the financial conditions of our country's SMEs should be analyzed well, constructive, long-term, and solutions to increase efficiency should be produced.