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Small and medium sized enterprises (SME) play an important role in the economies of numerous emerging economies. Despite the fact that the SME sector plays a significant role in the national economy it still suffers from the underdeveloped financial sector services. It results in the lower levels of indebtedness of private sector in Poland in relation to such emerging economies like Malaysia, Estonia or Chile. The commercial financial sector is inefficient in delivering funds to SME, the important role in this area is played by regional policy, especially supported from European regional funds. The distribution of development funds is realized with serious problems because SME are reluctant to financial sector services and besides typical grants, debt-type instruments meet serious problems. Polish SME are also reluctant to use support instruments aimed at developing innovations, R&D, and intellectual property (IP) protection. Imitation model of growth still dominates among Polish SME. To address this issue, in 2014 the University of Gdansk (UG) launched a project, supported by National Science Centre (NCN, governmental), on using behavioural interventions to increase the propensity of Polish SME to apply more ambitious development measures through support instruments. The research revealed, that the majority of tested behavioural interventions aimed at building friendly support environment proved to be efficient and increased the interest of SME in developmental activities.
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