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Financing future job creators

PublicationReports
Financing of Innovations, Företagandets villkor, Gaseller, Jobbskapare, Karl Wennberg, Michel Elmoznino Laufer, Tillväxt, Tillväxtfinansiering
Financing future job creators
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Abstract

Research has shown that young businesses with growth ambitions are important for job creation and innovation. A major obstacle to economic growth is the lack of financing for young firms.The Ratio Institute and the Swedish Federation of Business Owners have conducted a study to outline the financial sources of young and small businesses in Sweden and to investigate the challenges for financing the firms.

We use a sample of 380 limited liability firms in Sweden that are members of the Swedish Federation of Business Owners. The majority of the firms were founded 2010-2013. For our sample, the results show that the majority of the firms (87 %) use personal savings to finance their firms, while 28 % use bank loans which is the second most common type of finance. However, many of the firms that were approved bank loans report that they had to use personal assets as collateral and personal guarantees to back up their loans. Also, many entrepreneurs took a temporary employment elsewhere and didn’t take out any salary at some time.

Our results suggest that economic policies should focus on measures that improve personal wealth accumulation. The results give further support to the findings of recent studies that have been conducted in Sweden that personal wealth accumulation is important and that it is difficult to obtain bank loans for young businesses.

Wennberg, K. & Elmoznino Laufer, M. (2014). Financing future job creators. Rapport oktober 2014. Stockholm: Ratio och Företagarna.

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Financing future job creators
RapporterPublication
Wennberg, K. & Elmoznino Laufer, M.
Publication year

2014

Published in

Financing of Innovations

Abstract

Research has shown that young businesses with growth ambitions are important for job creation and innovation. A major obstacle to economic growth is the lack of financing for young firms.The Ratio Institute and the Swedish Federation of Business Owners have conducted a study to outline the financial sources of young and small businesses in Sweden and to investigate the challenges for financing the firms.

We use a sample of 380 limited liability firms in Sweden that are members of the Swedish Federation of Business Owners. The majority of the firms were founded 2010-2013. For our sample, the results show that the majority of the firms (87 %) use personal savings to finance their firms, while 28 % use bank loans which is the second most common type of finance. However, many of the firms that were approved bank loans report that they had to use personal assets as collateral and personal guarantees to back up their loans. Also, many entrepreneurs took a temporary employment elsewhere and didn’t take out any salary at some time.

Our results suggest that economic policies should focus on measures that improve personal wealth accumulation. The results give further support to the findings of recent studies that have been conducted in Sweden that personal wealth accumulation is important and that it is difficult to obtain bank loans for young businesses.

Den finska kollektivavtalsmodellen i stöpsleven
ReportsPublication
Karlson, N. & Björklund, M.
Publication year

2021

Published in

(Arbetsmarknadsprogrammet, rapport nr. 19) Stockholm: Ratio.

Abstract

De finska arbetsgivarna inom Skogsindustrin och Teknologiindustrin, landets ledande exportsektorer, beslutade i oktober 2020 respektive mars 2021 att ensidigt säga upp kollektivavtalen på industrinivå för att åstadkomma lokala förhandlingar på företagsnivå direkt med medarbetarna. Ambitionen är att förändra finsk lönebildning för att åstadkomma ökad lokal flexibilitet och stärkt konkurrenskraft.

I rapporten, som baseras på intervjuer med partsföreträdare och experter samt tidigare forskning och medieuppgifter, beskrivs bakgrunden till arbetsgivarnas beslut, deras motiv, andra branschers reaktioner, de fackliga motparternas synsätt samt olika statliga regleringars betydelse för utvecklingen. Avslutningsvis diskuteras ett antal lärdomar för den svenska arbetsmarknadsmodellen.

Karlson, N. & Björklund, M. (2021). Den finska kollektivavtalsmodellen i stöpsleven. (Arbetsmarknadsprogrammet, rapport nr. 19) Stockholm: Ratio.

Primärvårdsfokus och vårdförsäkringar: Lärdomar från Australien
ReportsPublication
Collin, E., Lundbäck, M. & Karlson, N.
Publication year

2021

Published in

Framtidens sjukvård och omsorg

Abstract

Syftet med denna rapport är att beskriva det australiensiska sjukvårdssystemet, jämföra relevanta delar med det svenska och baserat på detta diskutera eventuella lärdomar för det svenska vård och omsorgssystemet.
Både Australien och Sverige klarar sig väl i internationella jämförelser av sjukvårdsystem, samtidigt som de, till viss del, har valt olika sätt att organisera och finansiera sin vård, vilket gör länderna intressanta att jämföra och Australien till ett intressant land att lära sig något av.
I första hand studeras primärvård och specialistvård (öppen och sluten). Dessutom undersöks äldreomsorg i form av hemtjänst i eget boende samt institutionaliserad äldreomsorg. Övriga vård- och omsorgstjänster berörs endast undantagsvis.

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