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Item Rolul creditării bancare în finanțarea întreprinderilor din Republica Moldova(2023) Ianioglo, AlinaThe article reveals the problem of SMEs access to finance and the role played by banks in financing entrepreneurial activity. The purpose of the research is to analyse the role of bank lending in financing enterprises in the Republic of Moldova. Research methods used: literature review, analysis of statistical data, comparison and synthesis. It was determined that banks are the main providers of external financing for businesses. At the same time, enterprises encounter difficulties in accessing bank loans due to high interest rates, collateral requirements. Thus, in the current economic conditions, a number of SMEs encountered difficulties in paying loans. It was stated that in addition to improving the accessibility of traditional sources of financing, it is important to diversify and promote alternative sources of financing.Item Alternative de finanțare a afacerii în Republica Moldova(INCE, 2022) Ianioglo, AlinaFinancing business activities represent one of the pressing issues. In current conditions of digital transformation and difficulties in accessing traditional financing, alternative sources of finance acquire a special importance. At the same time, the knowledge regarding alternative finance market in the Republic of Moldova is yet in its infancy. Therefore, the article aims at exploring modern trends, issues and opportunities of alternative finance in the Republic of Moldova. In order to achieve the objective of the study, a mixed research approach, based on both primary and secondary data, was used: analysis of statistical data, international rankings, comparison, synthesis, deduction. There was determined the impact of different sources of finance on entrepreneurship development. The alternative finance market in the Republic of Moldova was analysed, showing that despite a rise in recent years, alternative sources of financing are still poorly developed.Item Alternative sources of enterprise financing and the impact of COVID-19 pandemic(INCE, 2022) Ianioglo, AlinaIn current conditions of digital transformation and difficulties in accessing traditional financing, alternative sources of finance acquire particular importance. At the same time, the knowledge regarding the alternative finance market is yet in its infancy, with little evidence of the effects of the Covid-19 pandemic on the alternative finance market in Moldova. Therefore, the article aims to explore financing alternatives for enterprises in Moldova and determine the effects of the Covid-19 pandemic on the alternative finance market. Additionally, there were analysed data from other reference countries. In order to achieve the objective of the study, a mixed research approach, based on both primary and secondary data, was used: analysis of statistical data, international rankings, comparison, synthesis, deduction, as well as a questionnaire-based survey designed for small and medium-sized enterprises. SMEs have proven to be vulnerable to crises. The alternative finance market in Moldova was analysed, showing that despite a rise in recent years, alternative sources of financing are still poorly developed. The study shows that enterprises face the biggest problems in accessing venture capital, financing on the securities market and use of electronic platforms to attract funding (crowdfunding, cryptocurrencies, etc.). At the same time, there was registered an improvement in accessing crowdfunding since the beginning of the pandemic.Generally, obtained results are essential for further research, practitioners and in determining measures to facilitate access to finance.Item Finanțarea întreprinderilor mici și mijlocii: dificultăți și perspective(Tipogr. "A& VPoligraf", 2021) Ianioglo, AlinaAccess to finance represents one of the major constraints of SMEs, especially in current conditions of pandemic crisis. The article aims to determine main difficulties and prospects in financing SMEs in the Republic of Moldova. In order to achieve the objective of the study, following research methods were used: literature review, analysis of indicators from international rankings, comparison and synthesis. SMEs have proven to be vulnerable to crises, with insufficient access to finance, limited internal procedures for managing crises, poorly developed alternative sources of financing. Thus, a number of measures are needed to support SMEs: financial support, development of alternative sources of funding, technical support for better finance and risk management and other measures.