Title: OPCI PROGRAM MJERA
1SUPPORT MEASURES FOR SMES IN CITY OF
RIJEKA Bruxelles, 28.05.2009.
2Rijeka is the main crossroad of adriatic tourist
traffic coming from middle Europe towards middle
and south Adriatic. It is an important crossroad
of highways and roads joining the background
through Gorski kotar region where mountain Dinara
is only 40-50 km long. Roads from Rijeka lead
towards Istra and slovenian border in the North,
to cities and country inland in the Northeast, as
well as to the littoral and Dalmatia. The city is
an important railways center and the airport
Rijeka in situated on the island of Krk.
3CITY OF RIJEKA
- Rijeka is seat of Primorsko-goranska county
- area 3.582 km2
- population 350.000
- To Rijeka also gravitates
- Rijekas ring (8 cities and counties)
- population 205.000
- Urban area 44 km2
- Urban population 144.043
4RIJEKAS ECONOMY
Period of comparation I-IX 2008 / I-IX 2007 , INDEX Period of comparation I-IX 2008 / I-IX 2007 , INDEX Period of comparation I-IX 2008 / I-IX 2007 , INDEX Period of comparation I-IX 2008 / I-IX 2007 , INDEX Period of comparation I-IX 2008 / I-IX 2007 , INDEX
All Small Medium Big
Number of entrepreneurs 107,1 107,3 93,5 116,7
Number of employees 106,2 105,9 97,7 109,7
Revenues 107,9 114,7 91,4 107,4
Expenses 110,3 114,2 92,5 112,9
Investments 109,5 135,4 126,3 93,0
Source Statistical review FINA, January
2009 Number of entrepreneurs in 2008 4.016 (
FINA ) Number of handcrafts in 2008 3.468 (
Chamber of crafts ) Prevailing activities trade,
manufacturing, transport and warehousing
5- General program of support measures for small and
- medium entrepreneurs in City of Rijeka is a set
of - measures to create entrepreneurship environment
with - developed entrepreneurship climate and well
designed - pre-conditions for development of
entrepreneurship - skills
- General program has 5 areas
- 1. Strengthening of entrepreneurship
competitiveness - 2. New forms of education and information
- 3. Financing of entrepreneurship
- 4. Development of entrepreneurial
infrastructure - 5. Entrepreneurial culture promotion
6PROGRAM AREAS
- 1. Strengthening of entrepreneurship
competitiveness - Funding of product certification
- - de minimis aid up to 15.000 kuna or 30 of
total cost for the introduction of Quality
Management System, certify the conformity of
products according to national and European
standards - Funding of strategic marketing plans creation
- - de minimis aid up to 15.000 kuna or 30 of
total cost for strategic marketing plan creation
7 Funding of joint promotions for products or
services - de minimis aid up to 15.000 kuna
or 30 of total cost for a joint appearance on
the market (eg. claster products and services
and their promotion, as well as co-marketing and
co-branding Funding the introduction of
support systems in decision making, management
and e-commerce - de minimis aid up to 20.000
kuna or 50 of total cost system implementation
8- International fair of new technologies and
products ( it was 5th in 2009) - create link between economy and science, the
development of communication - between scientists and young entrepreneurs, the
creation of links between the - new technological achievements and entrepreneurs
ready for their - implementation, presentation of new scientific
knowledge to young and the - promotion of Rijeka as a city of knowledge
- In April 2009 in the University campus on Trsat
officially opened the building - Scientific and Technology Park, University of
Rijeka - Step Ri is the first - scientific-technology park in Croatia, whose
services include three main - programs the protection and transfer of
intellectual property, incubation of - new companies and licensing
- Awards for innovation ready for commercial
application - only entrepreneurs - who have their own innovation or innovation
bought from innovators - implemented in the product or service, award
represents incentive of - entrepreneurs towards the commercialization of
innovation
9- Using the services of the Croatian regions office
in Brussels - information from office about funding
possibilities, rules of - functioning common european market and
european institutions - Building a system Rijeka quality (RQ) long term
project, in the future system of quality for
SMEs in tourism
102. New forms of education and information
- Goal better education and entrepreneurship
skill improvement - Project Knowledge and experience the goal is
to make connection between entrepreneurs and
student solving the problems in business - Project I know to work the goal is to make
connection between pupils and handkrafts with the
lack of educated work force - Program "Development of entrepreneurial skills
for young " in September 2008 started School
for young entrepreneurs - - measure will affect the development of
personality and skills that are characterized by
entrepreneurs - creativity, the ability to set up
goals, decision-making, risk assessment,
self-confidence, responsibility, ability to
recognize influences from environment, all in
order to prepare young people for the possible
selection of entrepreneurial career - Project "Scholarships to students in scarce
craftsmanship occupations " - - in 2007. the City of Rijeka and Chamber of
crafts started with schoolarships to students for
following occupation bricklayer, carpenter,
machinist, cook, waiter, confectioner, plumber,
painter, fitter and turner - City is financing
40 of monthly amount of scholarship
11- Project "SMS info-entrepreneur - SMS system
delivers entrepreneurs timely - information about loans, grants, education
programs without compensation - Thematic conferences - conferences are organized
according to the current - issues and interest of the city and entrepreneurs
- Improving the system of public procurement
presentation of annual city - public procurement plan, intention is to inform
entrepreneurs on public - procurement rules and their procedures
123. Financing entrepreneurship
- Goal improving access to finance
- Program Guarantees for financing projects of
small economies - The goal of the Program is incentive to invest in
research, - development and application of modern
technologies and innovations in - order to increase the quality and competitiveness
of entrepreneurial projects, - the guarantees are issued for the uncovered part
of the loan. - City of Rijeka has provided the amount of
2.000.000 kuna for potential - guarantees and deposited them as the basis for
issuing the guarantees for - the loans Erste Steiermarkische Bank in the
amount of 10.000.000 kuna. - Amounts of guarantees and entrepreneurial
projects - - amounts of loans that are issued by
guarantees can be of 35.000 to 400.000 kuna -
13- entrepreneurial projects are ranked according
to priorities and cover the specific percentage
of the loan o Rank 1 / up to 70 loan amount
on the introduction of innovation in business,
start up a business based on innovation and
research o Rank 2 / up to 60 loan amount for
equipment, machines and technologies o Rank 3 /
up to 50 loan amount for the improvement of
business by introducing norms and standards (ISO,
HACCP, etc.) o Rank 4 / to 45 loan amount for
permanent current assets for investment in
production or preparation of tourist season o
Rank 5 / to 40 loan amount for the purchase,
construction, expansion or renovation of
commercial / manufacturing facilities.
14- Program Loans with deposit
- - the goal of the Program is to provide financial
assistance to entrepreneurs, - which intend to realize investment projects in
function of urban tourism and - encourage the production
- - in 2009 it will be provided the additional
possibility of entrepreneurs in - the production sector they could realise
loans for permanent current assets to survive the
recession conditions in the market and maintain
the existing number of employees - - City ensured the amount of 1.000.000 kuna which
will be successively and with - no interest deposited in the amount of one third
of approved loans, BKS Bank - is providing the loan fund in the amount of
3.000.000 kuna with interest rate - of 6.3 fixed
- - City will make further subsidize the interest
rate with 1.5 percentage points, the interest
rate for the end user of these loans will be
4.8, fixed, the highest amount of loan can be up
to 300.000 kuna, in exceptional cases even more.
15- Subsidies of interest rate and cost of credits
from - Program "Poduzetnik 2 measure represents a
- continuation of subsidizing the interest rate and
cost - of credits from earlier loan program
- New forms of financing promotion - measure is
presentation of new forms of financing
entrepreneurial projects through venture
capital, business angels and the transfer of
experiences and examples of good practice.
164. Development of entrepreneurial infrastructure
- Goal using city spatial and information
facilities for start up and entreprenurship ideas
realisation - "Entrepreneurial incubators " - City of Rijeka
has 2 entrepreneurial incubators incubator for
manufacturing activities and incubator for
services, contractors use commercial space total
area of 5000 m2 and consulting services (search
for capital, education), incubator space is
designed for beginners and entrepreneurs who are
in the phase of growth and development,
incubation period lasts until 5 years, when it is
considered that the potential for survival in the
market is achieved
17- "Enterprise Library " long term project, as a
part of new city - library, intention is to have in one place
everything about - entrepreneurship
- Local rates examption as a benefit for
investment made - through earlier programms
185. Entrepreneurial culture promotion
- Award for contribution in the field of
- economy
- - recognition for contributions in the fields
of economy and promotion of the City of Rijeka - Development of social responsibility for
- business
- - entrepreneurs take the activities of solving
the needs of local communities, they conduct the
project using their own resources for increasing
the quality of citizens life (arrangement of
children's playgrounds, schools,health clinics,
etc.)
19- Media Corner
- - measure is following the positive examples of
entrepreneurial projects and their work with the
community. Through public information raises the
overall level of entrepreneurial climate and
culture. - Organization of team-building joint
- entrepreneurial initiatives
- measure will be directed to the organization of
relations development workships in the group,
under the expert guidance - measure will target group of entrepreneurs who
show the initiative for common forms of
performance on the market (eg. clusters,
co-branding alliances, etc.)
20COUNTRECESION MEASURES IN 2009.
- Measures
- reduction the monthly lease of business
facilities owned by the City to all contractors
10 and further 10 more for production sector - reduction of monthly local rates for all 10 and
further 10 for catering industry - reduction of monthly municipial rates for
cultural monuments in zone I - loans for permanent current assets in production
sector to survive the recession conditions in the
market and maintain the existing number of
employees Program Loans with deposit
21- The Global Entrepreneurship Monitor (GEM)
research program is an annual assessment of the
national level of entrepreneurial activity. Â GEM
is the largest single study of entrepreneurial
activity in the world. - Started as a partnership between London Business
School and Babson College, it was initiated in
1999 with 10 countries, GEM 2008Â conducted
research in 43 countries (Angola, Bolivia, Bosnia
and Herzegovina,Colombia, Ecuador, Egypt, India,
Iran, Argentina, Brazil, Chile, Croatia,Dominican
Republic, Hungary, Jamaica, Latvia, Macedonia,
Mexico, Peru, Romania,Russia, Serbia, South
Africa, Turkey, Uruguay, Belgium, Denmark,
Finland, France, Germany, Greece, Iceland,
Ireland, Israel, Italy, Japan, Republic of Korea,
Netherlands, Norway, Slovenia, Spain, United
Kingdom, United States - http//www.gemconsortium.org/
- istraživanje i mjerenje poduzetnicke aktivnosti,
objavljueni rezultati istraživanja poduzetnicke
aktivnosti i kvalitete poduzetnicke okoline kroz
indikatore - I motivacijski indeks TEA Prilika/TEA Nužnost.
Navedeni indeks govori o odnosu poduzetnika koji
su u poduzetnicku aktivnost ušli radi uocene
poslovne prilike u odnosu na one koji su u
poduzetnicku aktivnost ušli radi nužde - Indeks motiviranosti prosjek GEM zemalja
za Hrvatsku je 1,16 - za Istru, Primorje i Gorski kotar 3,20 - 1.
mjesto po motiviranosti poduzetnika u Hrvatskoj.
22- The indicators
- For the purposes of GEM project, and based on the
conceptual - research framework and holistic approach to the
definition of - entrepreneurship, a set of indicators that
measure different - aspects of entrepreneurial activity has been
identified - Indicators of total entrepreneurial activity in
the life cycle of the - entrepreneurial process, from startup to maturity
of the business - venture
- Nascent entrepreneurs (who decide to start a
business venture) - New business owners (business owners whose
entrepreneurial activity is measured by having
paid salaries for more than 3 months, but less
than 42 months) - Established business owners (business owners who
are entrepreneurially active for more than 42
months)
23- Entrepreneurial activity of the nascent
entrepreneurs and new - business owners, measured by the ratio of the
number of such - entrepreneurs (start-up) in the sample of the
adult population, - aged 18 to 64, is expressed through Total
Entrepreneurial - Activity (TEA) Index.
- Indicators of motivation for entrepreneurial
activity - TEA Opportunity index those who start
entrepreneurial activity because they have
perceived a business opportunity - TEA Necessity index those who are pushed into
entrepreneurship by the situation they found
themselves in (they lost their job, could not
find another job.)
24GEM Croatia
- From the tail to the first half, but still below
the average of - GEM countries - which means that the various
measures to - support entrepreneurial activities, provided
results - TEA index (total entrepreneurial activity index)
- of - entrepreneurially active persons among adult
population of - 18-64 years
Year Croatia GEM countries Range
2008. 7,59 TEA 10,49 TEA 24/43
2007. 7,27 TEA 9,07 TEA 21/42
2006. 8,58 TEA 9,43 TEA 18/42
2002. 3,62 TEA 8,00 TEA 32/37
25- Motivational index (ratio of opportunity based
vs. - necessity based entrepreneurs)
- this index is preferable to be as large as
possible, because it means that there are a
greater number of people who enter the
entrepreneurial activity of their choice, not
because it is a situation forced on it, Croatia
still lags the average GEM countries.
Year Croatia GEM countries Range
2008. 2,51 4,29 25/43
2007. 1,43 5,50 39/42
2005. 0,90 5,90 35/35
26- Regional differences in entrepreneurial
activities - (TEA index and Motivational index)
- Regional differences were reduced may interpret
the - influence of different programs, but differences
in the - motivation are still high
-
-
- Source Singer, S. Et al What makes Croatia an
entrepreneurial country, Results 2002-2005,
CEPOR, Zagreb, 2006. Singer, S. et al
Croatian regions 2005 2005 2008 2008
Croatian regions TEA index Motivational index TEA index Motivational index
Zagreb and surroundings 8,43 1,68 7,07 6,44
North Croatia 4,40 0,44 5,57 2,18
Lika and Banovina 5,11 2,23 8,05 1,34
Istra, Primorje i Gorski kotar 5,74 2,27 10,00 4,76
Dalmacija 6,34 0,37 11,00 3,31
Slavonija and Baranja 4,91 0,55 4,55 0,35
27- Thank You for attention !
- Natasa Mandic
- City of Rijeka
- Department of Enterpreneurship
- HR 51000 Rijeka, Trg. Sv. Barbare 2, Hrvatska -
Croatia - tel.38551209591, fax.38551209617
- e-mail natasa.mandic_at_rijeka.hr