www.economica.net/georgiana-stanciulescu-patria-ba

Georgiana Stănciulescu from Patria Bank highlighted the challenges micro-enterprises face in scaling up, noting that access to financing significantly boosts profitability and growth. Data from BNR indicates that companies utilizing bank credit outperform those that do not, with higher added value and turnover. Despite this, many successful firms hesitate to seek loans due to fears of debt and bureaucratic hurdles. Stănciulescu emphasized the importance of evaluating financing costs against potential investment returns.