Small business

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ANNEXES
Annex 1 – Reference List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85
Annex 2 – Global entrepreneurship monitor survey 1999, 
interview format for assessing entrepreneurship culture . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 89
Annex 3 – Measuring Regulations against the Five Principles of Good Regulation (UK) . . . . . . . . . . . . . . . 91
Annex 4 – European Charter for Small Enterprises. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 93
Annex 5 – Example of a quarterly SME survey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 97
Annex 6 – Outline of Report on small and medium-sized enterprises, 2000-2002, 
Bulgarian Agency for Small and Medium-sized Enterprises . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 99
Annex 7 – Common external barriers to start-up and survival . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 101
Annex 8 – Common internal barriers to start-up and survival . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 103
Annex 9 – Index of Additional Annexes Part I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 105
Annex 10 – Index of Additional Annexes Part II. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 107
TABLES
Table 1 - Range of business association services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44
Table 2 - Linking SME Development to National Objectives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71
Table 3 - Stimulating Enterprise Culture in Education – its Contribution to Development Targets . . . . . . 72
Table 4 - Linking Higher Education with SME Development. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74
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SUMMARY
Micro and small or medium-sized enterprises (SMEs) make important contributions to development.
The growth of a healthy, competitive SME sector will be maximised when there is a strong enterprise
culture in the society at all levels; a continuous growth in the quality stock of independent business;
maximum potential for growth of existing small businesses: and a highly supportive economic, social and
stakeholder environment. These are the broad target areas for policy development. 
This guide for SME policy development is divided into two parts.
Part I provides a framework for the review of existing policies and the state of the SME sector. This covers:
• The state of the SME sector, its needs and its reactions to policies;
• The process of formulating a policy for SME development;
• The way in which policies are managed;
• The development of a supportive stakeholder environment;
• The work of support institutions;
• The development of support programmes for the specific support services. 
Part II covers the process of developing a strategic plan, with the following key areas:
• Overall economic and social objectives;
• Mission statement and governing principles;
• The present position of the SME sector; 
• Review of programmes and achievements to date;
• Future SME development objectives; 
• Specific targets, and actions to be taken;
• Barriers to meeting future objectives and how they will be overcome;
• Management, monitoring, evaluation and control.
Each of the issues covered by Part I and II is discussed concisely in separate text sections, in bullet points
and with brief explanatory texts.
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