世界银行-从脆弱性到创业：释放克罗地亚弱势群体的创业精神（英）

FROM VULNERABILITYTO ENTREPRENEURSHIP Unlocking Entrepreneurship forVulnerable Groups in CroatiaPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedTABLE OF CONTENTSABBREVIATIONS4ACKNOWLEDGEMENTS5A. INTRODUCTION6B. BARRIERS IN ACCESS TO ENTREPRENEURSHIP8 I. Women9 II. Ethnic Roma13 III. Immigrants17 IV. Other Vulnerable Groups21C. FINANCIAL AND NON-FINANCIAL SERVICES FOR VULNERABLE GROUPS23D. GOING FORWARD26REFERENCE LIST28BOX 1.Challenges Hindering Women EntrepreneurshipBOX 2.Challenges Hindering Roma People EntrepreneurshipBOX 3.Member States’ interventions for immigrantsBOX 4.Challenges Hindering Immigrants EntrepreneurshipBOX 5.Examples of good practices in EU countriesLIST OF BOXESFROM VULNERABILITY TO ENTREPRENEURSHIP3BONDBusiness Organizations Network DevelopmentCEPORSMEs and Entrepreneurship Policy Centre CESCroatian Employment ServiceEBRDEuropean Bank for Reconstruction and DevelopmentEUEuropean UnionFINAFinancial AgencyGEMGlobal Entrepreneurship MonitorHAMAG-BICROHrvatska agencija za malo gospodarstvo, inovacije i investicije (Croatian Agency for SMEs, Innovation and Investments)HBORHrvatska banka za obnovu i razvitak(Croatian Bank for Reconstruction and Development)IFIsInternational Financial InstitutionsMoEMinistry of Economy MSMEsMicro, Small and Medium EnterprisesOECDOrganization for Economic Co-operation and DevelopmentOIBPersonal Identification NumberSMEsSmall and Medium EnterprisesABBREVIATIONS FROM VULNERABILITY TO ENTREPRENEURSHIP4This report was prepared by a World Bank team consisting of Matija Laco (Senior Economist),Martina Sahan Sedmak (Consultant – Financial Sector), Natalija Golubovac (Consultant – SocialDevelopment), Fajar Argo Djati (Senior Social Development Specialist), and Dianna M. Pizarro (SeniorSocial Development Specialist). Interviews and focus group discussions were conducted and initialdrafts of the Study prepared by Impact House team consisting of Tamara Puhovski (Senior SocialImpact Specialist), Danijela Paska (Researcher and Impact Specialist) and a CEPOR team consisting ofMirela Alpeza (Director, Senior Entrepreneurship Specialist) and Maja Has (Researcher,Entrepreneurship Specialist).The team would like to thank the Roma community, women entrepreneurs – particularly those fromDelnice – and all interview and focus group participants for generously sharing their time, knowledge,and experiences.The team is grateful for valuable feedback from the peer reviewers, Lucero Burga (Senior FinancialSector Economist) and Lisa Schmidt (Senior Social Development Specialist) as well as contributionsfrom Ana Simundza (Operations Officer), Vanja Frajtic (External Affairs Officer), and Petra Rozman(Consultant).The team worked under the guidance of Jehan Arulpragasam (Country Manager for Croatia CountryManagement Unit), Cecile Thioro Niang (Practice Manager, Finance, Competitiveness and InnovationDepartment for Europe and Central Asia Region),