Chambers of Commerce and Industry (CCI) are also very active in Germany. There are 83 chambers of commerce and industry in Germany and the umbrella organization is the German Chamber of Commerce and Industry. The main tasks of these organizations are
Active participation in the formation of the state's economic strategy
Information support for members of the organization
Consulting and legal support for participants
The second important factor of high activity and efficiency of SMEs in Germany can be called cheaper business lending . This is partly a consequence of support from the state and not only. Effective interest rates on small loans for SMEs in Germany start from 4-4.5% per annum ... At the same time, there are also various bonuses for SMEs in the repayment mexico cell phone number list schemes and loan security. In Kazakhstan, not only will an entrepreneur simply not find interest rates below 25-27% per annum, but you also have to "sweat" to convince credit managers to give it to you. Of course, in such conditions in Kazakhstan, the development of SMEs focused on production is virtually impossible. In production projects, payback periods simply exclude development with such high rates. Therefore, most representatives of small and medium businesses in our country are in the service sector (hairdressing salons, catering, small trade), where the volume of initial investments is insignificant.
The third factor is the development of the economy and consumer culture . Germany is consistently among the top five largest economies with approximately 7% of the world's GDP. As a result, the aggregate demand and consumer spending in this country are higher than in other countries. The share of the middle class is also significantly higher. Implementing the rule, demand creates supply, a huge number of small and medium-sized enterprises appear and operate in Germany. At the same time, the share of manufacturing and export-oriented SME companies in Germany is higher than in other developed countries. In the conditions of high consumer culture, such competitive advantages as product quality and image come to the fore . Focus on product quality and image requires local companies to devote much more time to such functions as production, HR and branding.