?????????????????? – ????????? ????? ?????? ???????

?????? ??? ???? ??????? ?????????????? ????? ???

by nitavoularis 28 Ιανουαρίου, 2025

?? ???? ????? ??????????????? ??? ??? ??????? ??? ???????, ???????????????? ??????????? ??????????????/????????????????????, ???????? ???? 27/01 ? ?????????? ??? ???? ??????? ??????????????, ?? ????? ????????????? ? ???????? ??????????? ??????? ??? ?? ????? ?????????????????? ??? ?? ????????? ????????? ??????+ ??? ??????? ??? ???????????? «????????????????? 2021-2027».

?? ????????????? ????? ?????????? ?????????????? ???????? ?? ?????????????? ???? ??? ???????? ??? ???????? ?????????? ?????? ??? ????????? ???????????? ????????, ??? ?? ???????? ??????????? ??????? ?? ?????? ??? ???? ?????? ???????????? ??? ?????????? ??? 10 ????? ????????? ?? ?????? ????? ??? 900.000 €.

?? ?????????? ??? ????????????? ?? ??? ???????? ??????????? ??????? ??? ?? ?????? M????????????? ????? (?? ?????????? ?????):

Action Finance Initiative (AFI) Microfinance ?.?.
«??????? ????????????? Microfinance Institution AE» ?? ?????????? ????? MicroSmart ??.
????? Microfinance Solutions

? ?????????????? ??? ??????? ?????????????? ????????? ?? ???????? ??????????? ??????? 80 ????. €, ????? ??? 3.000 € ??? 25.000 €, ????????? ??? 12 ??? 96 ?????, ?? ?????????? ???????? ??????? ??? 6 ?????.

??? ?? ???????? ??? ??????? ??? ?? ??????????? ??????????? ???????????? ??? ??????????? ?????? ????????????? ??? ?????????????? ????????? (mentoring) ??? 900 €.

?? ?????? ?????????????? ?? ??????? ????? ????????????? ?? ??????? 60% ??? ?? ?????? ?????????????????? ? 75% ??? ?? ????????? ??????????????????.

???????????? ??? ?? ?????????? ??? 3.300 ????????????, ?? ??? ?????? ??? 1.000 ???????????? ??? ??????? ??? ?????????? ???????????????????

? ???????? ??????????? ??????? – HDB ???? ???????? ?? ?????????? ??? ???? ?????????????? ?????????, ??? ??????? ??? ??????? ????????????? «?????? ??????????????????? ??? (????? ???)».

??? ??? ??????????? ??? ?????????????? ??? ?? T????? ??????????????, ???????? ?? ???? ?????? ???????????? ?? ??? ???:

?????? ???????????: ??????? – ?????????, 09:00 – 17:00

?????????? ??????????? ??? 211-1058660

E-mail: microfinance@hdb.gr

????: 21-27.antagonistikotita.gr

???????????? ????????????: ????? ?????????? ??????????? ???? ????????? – ?? ??????????

by nitavoularis 8 Αυγούστου, 2024

To ?????? ??????????? ????????? ??? Alpha Bank ??? ??? ?????????????????? ???? ??????

?? ???????????? ???????????? (???) ????????? ??? ???????? ????? ??? ????????? ??????????, ????????????????? ?? 99,9% ??? ???????????? ??? ?? ????????????????? ????? (??????????? ? ??????? ??????-????????? ??? ????????? ?????? ??? ?????????, ???? ? ?????????? ??? ? ?????), ?? 84,6% ??? ??????????? ??? ?? 67% ??? ??????????? ????????????? ????? (???).

???? ??? ????????? ?????????? ??? ????????????? ???? ?? ???????? ??? 2023, ?????? ?? ???????? ??? ??????????? ?????? ??? ??? ???????? ???????? ?????????????, ?? ????????? ??? ?????????? ??? ????? ????????? ????? ??????? ?? ????? ??????????? ??? (3%) ?????? ??? ??????-????? ??? ??-27, ??????????? ?????? ??? Alpha Bank.

? ??????? ???? ?????????????? ?? ???? ?????? ????? ??? ??? ??????? ??? ???? ?????? ???????????? (0-9 ??????????????), ??? ?????? ? ??? ???????? ???? 13,2% (?? ???????????? ?????), ??? ???? ?????? (10-49 ??????????????) ??? ??????? ???????????? (50-249 ??????????????) ????????.

???????????, ? ??????? ??? ??? ???????? ???? 2,4% (780,6 ???.) ??? ? ?????????? ???? 1% (2,4 ????.), ??????? ?? ??? ?????????? ??? ?????????? ????????? (2024 SME Country Fact Sheet). ?? ?????????? ??? ????????? ???????? ??? ??? ?????????? ????????, ????? ? ????????? ???????? ????????? ??? ?? 2024 ?????? ??? ??????????? ??? ??? ??? ??????????? ???? 5,7% ??? 5,4%, ??????????, ????????? ? ???????.

? ??????????? ?????????????????? ?? 2023 ??? ????? ??????????

???? ????? ???? ????????? ??? ????? ??????????? ?????????????? ??? ?? 2023, ?? ??? ??? ?????????????????? ???? ????????? ??????????????? ?? 44,1% ??? ????????? ??? ??? ???????? ?? ???, ?? 48,4% ??? ???????????, ??? ?? ?????? ???????????? ?????? ??? ????? ??? ????????? ??? ??? ????? ???. ?? ???????? ?? ??? ???? ??? ??? ??-27, ?? ??????? ??? ??????????? ?? ??? ???? ????? ??? ????????? ????? ???? 4,3 ??????????? ??????? ????????? ???? ??????, ??? ? ??????? ???? ???? ??? ????? ???? 2,6 ??????????? ??????? ?????????? ??? ???? ???. ???? ????? ?? ???????, ? ?????????? ??? ??? ????? ?????????? ???? ?????? ?? ???????? ?? ??? ????????? ????, ???? ?? ????? ??? (29,4% ?????? 24,1%), ??? ??? ??????????? (29,6% ?????? 23%) ??? ??????? ???????????? (31,3% ?????? 23,2%). ???????? ????? ? ?????? ???? ???? ?????????? ??? ??? ???? ????? ??? ???????????, ?? ?? ?????????? ??? ??? ?? ??????????? ????????? ?????? ??? ??-27 ??? ???? ????? ??????????.

?????????? ??????? ??? ???????????? ???????????????????: ?????????????? ??? ? ??????? ????????

???? ??? ??????????? ??? ??????????????????? ???? ??? ?????????? ????? ??? ?????????? ?????????, ?? ???? ?????? ???????????? (0-9 ??????????????) ??? ????? ????????? ????? ?? ?????????? ???? ?? ?????? ??? ??? ???????????????, ????? ???????????? ??? ?? ??????? ??? 2008. ??????, ?????? ?? ????????? ??? ??? ?? 2022, ? ??? ??? ???? ?????? ???????????? ???? ????????? ?????????, ????????????? ?? ??? ??? ??????????? ?????? ???????.

???? ????? ???? ??????? ??? ??????? ????????????, ???? ??? ?????? ???????? ???? ?? ?????? ??? ??? ?? ???????????????, ?????????? ??? ???? ?????????? ?? 2023, ??? ? ???????????? ???? ???? ???? ????????? ?? ??????? ??? 2008. ????????, ???? ?????? ????????????, ?? ?????? ????????? ??? ???????? ??? ????? ??????? ?? ?????? ??? ???????????????, ? ???????????? ???? ???? ??????????? ????????? ??? ?? ??????? ??? 2008.

??????????? ??? ?? ????????? ???? ??? ?? ???? ?????? ???????????? ????? ?????????? ?? ?? ?????? ??????????? ???? ?????? ??? ??????????? ???. ??????????, ?? 2023, ? ???????? ??? (?? ???????? ?????) ???????? ???? 1,2%, ?? ??? ???? ?????? ???????????? ?? ???????????? 4,1 ??????????? ??????? (?.?.), ??? ???????? ?? ?????? (-0,9 ?.?.), ?? ??????? (-1,2 ?.?.) ??? ?? ??????? ???????????? (-0,7 ?.?.) ????? ???????? ??????????. ?? ??????? ???? ???????????? ?? ???????? ??? ??? ??????? ???? ??? ???? ?????? ???????????? ???? ???????? ??? ??????????? ??????????????.

???????????, ? ?????????????? ??? ???? ?????? ??? ?????? ????????????, ? ????? ???????? ?? ? ???????????? ???? ??? ??????????, ????? ????????? ?????????? ?????? ??? ??????? ????????????. ??????, ??? ?? 2021 ??? ??????, ? ?????????????? ??? ???? ?????? ???????????? ????????? ?? ???? ???????????? ??????? ?? ????? ?? ??? ????????? ??????????. ????????, ? ?????????????? ??? ????????? ??? ?? 2023, ???? ? 2? ?????????? ???? ??-27. ?????? ?? ????????? ??? ? ???? ?????????????? ??? ???????????? ????????? ??? ????????? ?? ??????? ??? ????????????. ???????, ? ?????? ??? ????? ???????? ??? ???????????? ???????????? ?? ???????? ?? ???????? ?????????? ?????????? ????????, ????????? ???????????? ????????? ??? ?????????? ????????? ?? ????? ?????? ??? ?? ?????????? ??? ?????????????? ????. ???? ???? ??? ??????????, ? ????????? ????????? ??? ???????? ???????????, ?? ????? ?? ?????????? ??? ???????????? ???, ???? ??? ??????? ??????????? ????????, ????????? ? Alpha Bank.

??????????, ? ?????? ??? ??????????????? ??????? ?? ???????? ???? ??? ??????? ??? ?????????? ?? ????????????? ????????? ??? ?? ????????? ?? ??? ??????????? ??? ??????? ?????????? ??? ???????? ???? ???? ?? ???????? ??? ?????????. ??? ??? ????? ????, ???????????? ???????? ????? ? ?????????? ???????????? ?????????, ???? ?? ?????? ????????? ??? ?? ???? ??? ? ????????? ??? ???????????? ?????????????? ??? ??????? ??? ??????? ??????? ?????????. ?????? ?? ????????? ??? 488 ?????????? ?????? (62% ??? ??? ???????) ??? ????? ???????? ??? ???????? ?????? ??? ??????? ??????? ????????? ??? ?????????????? ??????????? ??? ???, ?? ??? ???????? ????????????? ???? ?? ????????????? ??? ???? 5,75 ???.

? ?????????? ????? ??? ????? ?????????? ?? ????????? ??? ???????? ?? ??? ????????? ???? ??? ???? ??????????? ??? ???, ??? ??? ????? ? ???? ??? ?????? ?????????. ????????????, ??????? ?? ??? ?????? ???????? ?????????? ??? ????????? (Digital Economy and Society Index-DESI), ? ?????? ???????????? ??? ???????? ????????? ??? ??????-????? ??? ??-27, ?? 2023 ????? ?? 43,3% ??? ??? ?????????? ??????????? ?????? ??????? ???????? ???????, ????????????? ??? ???? 24? ???? (?????????? ????? ????: 57,7%). ????????, ?? 18,2% ??? ??? ??????????????? ???????? ???? ?????????? ?? 2023 (?????? 19,1% ???? ??-27), ????????????? ?? ???? ??? ???? 16? ????, ??? ?? ??????????? ??????? ?????????????? ?? 5% ??? ????????? ?????? ???????? ??? ??? (?????? 12% ???? ??-27).

??????????, ???? ????? ???? ?????????? ??? ???????? ??????????? ???? ??????????????? ??????????????, ? ?????? ??????? ????????? ?????? ??? ?????????? ????? ???? ??? ????? ?????????? ???????? ???????????, ???? ??? ???????? ?????????? (4% ??? ???????????? ???? ?????? ?????? 8% ???? ??-27), ??? ???????? ????????? ?? ?? ????? ?????????? ???????????? (25% ??? ???????????? ???? ?????? ?????? 33% ???? ??-27) ??? ??? ????????????? ?????? (18% ??? ???????????? ???? ?????? ?????? 39% ???? ??-27).

?? ?,?? ????? ??? ??????? ?????????? ??? ????????????? ?? ??? ?? 2023 ???? ?????? ??? ???? ??-27, ?? ??????? ??????? ? ?????? ????? ????????, ?? ??? ?????? ?????????? ?? ?????? ?????????? ? ??????? ??????? ?? ???????? ?? ?????????? ???????? ???? ??? ??? ????????? ??? ??? ??? ??? ?????????? ???, ????????????? ??? ?? ?????? ????????? ? ????????. ?? ???????? ?? ??? ????????? ???? ???, ? ???????? ??? ????????????? ??? ? ???????????? ????????????? ????????? ??? ??? ????????? ???, ? ?????? ??????? ??? ?? ??????? ??????? ????????????? ??????????, ??? ??? ???? ??????? ????????????? ?? ?????? ????????? ??? ? ?????? ?????????? ?? ?????? ??????????.

???????????, ??????? ?? ?????? ??? ?????????? ???????? ?????????? (EIB Investment Survey 2023), ?? ?????????????? ?????????? ????????? ?? ???????? ?????? ???????? ??? ??? ??????????? ?? ???????? ??? ?????????? ???? ?????????????. ??????? ?? ?? ???????? ??? ???????, ?? 84% ??? ??? ???? ?????? ????????? ?? ??????? ??????? (business regulation) ?? ??? ????????? ??????? ???? ?????????? ???? ?????????????, ?????? 61% ??? ?????????? ????? ????.

????: www.moneyreview.gr

?????? ???????: ??????? ????????? ?????????? ??? ????????? ?????????? ?? ?’ ???????

by nitavoularis 25 Ιουλίου, 2024

??? «????????» ???????? ??? ????????? ?????????? ???? ??? ??? ????????? ??? ???????? ??? 1?? ???????? 2024, ??? ????????? ?????? ???? ????? ?????????? ??? ????????? ??? ???????????? ?????, ???????? ?? ??? ?????? ??? ?????? ??????? «?????? ??? ??????????» ??? ?? ????????? ??????????? ???????? ??? ??????? ????????.

??????????, ? ??????????? ?????? ????? ???????? (??? ????? ???? ???? ??? ????????) ???? ?????? ?????????? ??? ?????? ??????????? ??? ????????? ??? ???????????? ?????.

? ?????????? ???????? ??? ????? ????????? ?????? ??? ?????????? ?? ????????? ??? ???????? ??? ?????, ?? ???????? ?? ?????????? ??????? ??????????????. ??????? ????????? ? ??????? ?????? ??? ?????????? ?? ??? ?????????????? ??? ?????????? ??? ?? ??? ???????? ??? ????????????.

??????, ???? ??????????????, ? ???????? ???????? ??? ????? ????????? ?? ?? ?????? ?????????????? ???? 2023 (base effect ??? ????? ??? 5 ??????????? ???????) “??????” ?????? ??? ?????????? ?????? ???????? ??? ???????? ??? ??????????????? ????? ???? ??? ???????? ??? ????? (+3,0% ?? ????????????????? ?????).

???? ? ???????????? (?? ???? ???????? ????????????? ????????????) ????????????? ??? ??????????????? ????? ?????????????? ???:

(i) ?? ?????? ????? ??? ???????? ??? ??????? ??? ????????? ?????????? (1,14% ?? ????? ???????????????? ????????????? ?????, ?????? 1,08% ??? ???????), ???

(ii) ?? ????? ???????????, ?? ??? ??????? ?????????? ??? ?????????? ??????????-????? (+315 ???.) ?? ?????????? ??? ????????? ?????? ??? ?? 2001.

????? ??? ??? «?????? ??? ??????????: ???????? (2? ??????? 2024)»

??????????? ??? ??????? ?? ??????? ?????? ????????????? ??? ? ?????????? ????????? ??????? ????????? ??? 1? ???????. ??? ????????????:

?????? ???????? ??????? ????????? ????????? ?????????? ??? ??, ??? ??????????? ?? ??????? ?????????????? ??? ??????????? ??? ??????????????? ?????.
??????, ???? ?? ?????????? ??????? (??? ????? ??? +5%), ???????? ? ????????? ??? ?? ?????? ????????? (?????? ?? ?????????????? ??? ???????????????????, ???? ??????????????).
????? ?????????????? ?????????? ??????? ??? ?????????? – ?????? ??? ?? ????????? ????? ?????????? ?? ??? ????? ?????????? ??????????????, ? ????? ?????? ????????? ?????? ??????????? ???? ???????? ???????? ????? ?????????. ?????????? ???? ??? ???????? ?? ?????? ????? ?????? ????????? ?????? ???????? ??? ????? ??? 1-2%. ???????? ???????? ?? ??????? ??????? (??? ??? ????? ??? ?????? ?????) ??? ???????????? ???-?????? ?????????? ?? ?????????? ??? ???????????? ??????????? (???? ?? ??????? ??? ?? ???????).

??????????? ?? ???????? ????, ?? ?????? ????????-????? ???????? ?? ?????? ?????????? ???????? ??? ???????? (+2,2%, ??? +3,0% ?? 1? ???????), ? ????? ?????????????? ??? ??? ?????? ??? ?????? ??? ??? ???????? (+15% ??? +6% ??? +3% ??? -9% ?????????? ??? ?????? ????????-????? ?????? ??? 1?? ????????).

?????????, ?? ????????? ??????? (???? ?????????? ???????????, ?????? ??????????? ??? ??????????? ????????????? ??? ??????????, ??? ??????? ??????????? ?????????????? ???????? ????????), ?????????? ???? ????????? ????????? ??????????? ??? ??????????? ????????? (?????????? ??? ?????????? ????? ?????????) ??? 2? ??????? ??? ????? (?? 4,3% ??? 2,6% ?? 1? ???????).

??? ???? ?? ??????, ????????? ??? ? ??????????????? ?????? ?? 2024 ?????? ?? ??????? ??? ???????? ??? ???? ??????? 3,5%, ?? ?? 2? ??????? ?? ??????? ?? 6,5% (?????? +0,9% ??? 1? ???????). ?????????? ??????????? ????????? ????????:

????? ??????? ??????????, ???????????? ??? ?????? ????????? ?? ?????? ?? ?????????? ?? ???????????? ??? ??? ???????? ??? ?????????? ??? ??? ?????????????? ??? ????????? ??????????, ???
????? ??????????? ??????? ???????????, ????????? ??? ????????? ?? ?????? ????????? ??? ??????? ?? ????????? ????????? ????????? ?????????? ??? 2023, ???????????? ?? ???????? ??? ??????????? ???????? ?? ????????? ???????. ??????, ???? ? ?????????? ???????? – ??? ?????????????? ?????? ?? ½ ??? ????????? ????????? ??? 2024 – ????? ??? ??? ?????? ??? ??????????? ????????? ???????????? ???? ??? ??????? ??? ?????????? ??? ??? ??????????? ??????? ?????????? ??????????.

????: www.cnn.gr