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From a literature review and a comprehensive survey aims to analyze how small to medium‐sized enterprises (SMEs) use existing support systems. The analysis is specifically on focusing different size groups within the SME category, the role of industrial sector, and regional location.

The combination of macro‐economic theory and entrepreneurial perspectives constitutes the theoretical framework for this study. Empirical data are collected via a survey to over 1,000 Swedish SMEs with one to 49 employees, from both manufacturing and service industries, and from three different regions. Descriptive as well as multivariate statistical techniques are used in the analysis.

The results indicate low participation rates of available support services and the largest manufacturing companies with a location in sparsely populated areas are the most frequent users. Vague arguments from neo‐classical theory and lack of clarity in definitions of small firms pose an obstacle to the production of empirical results as well as theoretical development. Support users are mainly positive to the services and, although the “take‐up rate” has increased in recent years, a better match between demand and supply of support services must be undertaken.

This paper gives understanding of how the business support programs are received among small companies. The results generated via a large sample size, 1,022 companies, combined with theoretical considerations, give a solid platform for research and policy conclusions.

The purpose of this paper is to empirically investigate how women entrepreneurs in Tanzania assess their accessibility to different external financial sources. The aim is further to discuss financial preferences among this group of entrepreneurs.

The study is based on a unique database consisting of 114 firms, obtained by a questionnaire during 2009-2010. Differences between mean values on perceptions of financial sources were tested via a paired samples t-test.

Overall, the empirical results provide support for the hypothesis that the sampled women entrepreneurs perceive semi-formal capital, such as loans from MFIs, SACCOS, ROSCAS and VICOBA, as the most accessible external capital. Governmental subsidies are ranked second, followed by informal capital, such as loans from family, friends and investors. As expected, loans from formal banks are ranked as the least accessible financing alternative. However, there are strong indications that the entrepreneurs in our study, if given a choice, would prefer external capital from formal sources, rather than semi-formal or informal capital.

The authors suggest that the formal banks work to find ways to lower agency costs and thereby work for an inclusion of women entrepreneurs, and for the semi-formal financial actors to improve financial services in ways that better serve the entrepreneurs.

The knowledge about attitudes and preferences concerning financial solutions among women entrepreneurs in developing countries is very limited. Results from this study is therefore important, as it adds to previous understanding, especially as this particular group of entrepreneurs have the potential to play an important role in the development of their regions.

Small to medium‐sized enterprise (SME) evaluation models lack a clear coupling to innovation and its impact on firm performance. A model which can achieve this is the Survival Index Value (SIV) model. The purpose of this paper is to demonstrate the ability of the SIV model to indicate and predict the performance of a company. The firm, Autoadapt AB, is an innovation‐oriented enterprise, adapting personal cars to be driven by handicapped people. The authors knew in advance about the good performance of the firm and its high efficiency in conducting its operations and expected the SIV model to reflect correctly on Autoadapt's performance. Because the handicap degree of each of the individuals who benefit from the firm activities differs from one person to another, product solutions have to be individually designed. Therefore the firm has had to pursue a high level of innovativeness and it had to abide with this policy right from the start. The product development processes in the firm needed to adapt to such strategies.

To be able to demonstrate the ability of the SIV model to indicate a positive performance due to the intensive innovation activities of Autoadapt AB, a case study approach was used. Case studies are very suited for in‐depth analysis of an object under a longer period of time. It is a widely‐used research method in firm performance studies.

The results of the SIV analysis indicated that the model is able to project correctly the performance of the object firm. At all the four levels of analysis, i.e. SI values, the SPI slope, the survival factors, and the survivability coefficients, the SIV analysis performance indicated a stable positive development of the firm through the life time of the enterprise.

Measuring performance of SMEs is an important issue. There are couple of models stemming from the traditional accountancy disciplines in use; however these models suffer from clear disadvantages. Recently a new model, the SIV model, was introduced and has shown the ability of being a better candidate for performance analysis. The paper demonstrates the ability of the SIV model to judge correctly the performance of an innovative firm.