Motywy korzystania z kredytu kupieckiego przez mikroprzedsiębiorstwa
Motives for Trade Credit Use by Micro-enterprises

Summary/Abstract: Purpose – The aim of this article is to identify and assess the importance of factors that determine the use of trade credit by micro-enterprises. Design/methodology/approach – The article reviews the literature regarding the motives for trade credit use by enterprises. The article also presents the results of the author’s own survey conducted among microenterprises from the Lubelskie Province. Findings – The author’s own survey confirms the complexity of motives underlying the use of trade credit by micro-enterprises. The most important factors influencing the use of trade credit by respondents were: the ability to better cash management, the ability to make purchases despite a temporary lack of cash, the speed and ease of obtaining trade credit. Originality/value – The author identifies and evaluates the motives for trade credit use by micro-enterprises. In the Polish literature there is a lack of works focusing on the above problem.

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