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Crowdfunding: Ett innovativt finansieringsalternativ: Möjligheter och begränsningar som förekommer i samband med crowdfunding
Södertörn University, School of Social Sciences.
Södertörn University, School of Social Sciences.
2019 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

Small businesses account for most of all Swedish companies on the market. Difficulties for small businesses to seek capital come from the financial crisis 2008. The global crisis resulted in banks not granting loans to small business as often as before, mainly due to the banks asserting small business as high risks. Small businesses sought therefore alternative financing. The purpose of this study is to obtain a deeper understanding of what the opportunities and limitations that the small companies experience with the usage of crowdfunding as a form of financing and why they choose it over traditional financing options such as bank loans. A case study has been implemented in this paper to study small businesses seeking crowdfunding on the Swedish platform Fundedbyme. The research questions have been studied through a qualitative research with semi-structured interviews. Essential theories that were chosen to analyze this subject was information asymmetry, signaling theory, pecking order theory and previous research. In conclusion the study shows that bank loan was considered as an attractive financing alternative for small businesses because they could get larger sums of capital. Further conclusions were that small businesses chose crowdfunding because they received capital and representatives. However, crowdfunding was regarded as restrictive with unclear legislations and regulations in the crowdfunding market. A combination of crowdfunding and traditional financing form was preferred by most of the companies that was interviewed.

Abstract [sv]

Småföretagen står för majoriteten av alla svenska bolag som finns på marknaden. En förändring på småföretagens finansieringsalternativ har framkommit efter finanskrisen 2008. Den globala krisen gjorde så att banker inte var lika villiga att låna ut till småföretag eftersom de ansågs vara en hög risk. Detta resulterade till att småföretag sökte kapital genom andra finansieringsalternativ som crowdfunding. Syftet med studien är att erhålla en djupgående uppfattning kring möjligheter och begränsningar som småföretagen upplever i samband med crowdfunding som finansieringsform samt vilka skillnader som upplevs av småföretagen mellan crowdfunding respektive banklån som finansieringsalternativ. En fallstudie har framförts i denna uppsats där skribenterna har valt att studera småföretag som söker crowdfunding på den svenska plattformen Fundedbyme. Forskningsfrågorna har besvarats med hjälp av en kvalitativ forskningsansats genom semistrukturerade intervjuer. Studien valde väsentliga teorier för att analysera ämnet. Teorier som valdes var Informationsasymmetri, Signaleringsteori, Pecking order teorin samt tidigare forskning inom ämnet crowdfunding. Studiens slutsatser påvisade att småföretagen ansåg att banklån var ett attraktivt finansieringsalternativ eftersom företagen kunde få in större kapital. Ytterligare slutsatser tyder på att crowdfunding blev vald som finansieringsalternativ för att småföretagen fick både kapital och representanter i företaget. Småföretagen ansåg dock att crowdfunding besitter oklara lagstiftningar och regleringar. Majoritet av småföretagen föredrar en kombination av både crowdfunding och traditionella finansieringsformer.

Place, publisher, year, edition, pages
2019. , p. 39
Keywords [en]
Crowdfunding, Small firms, Equity-based crowdfunding, Traditional financing, Bank loan
Keywords [sv]
Crowdfunding, Småföretag, Andelsbaserad crowdfunding, Traditionella finansieringskanaler, Banklån
National Category
Social Sciences
Identifiers
URN: urn:nbn:se:sh:diva-38836OAI: oai:DiVA.org:sh-38836DiVA, id: diva2:1347575
Subject / course
Business Studies
Uppsok
Social and Behavioural Science, Law
Supervisors
Available from: 2019-09-02 Created: 2019-09-01 Last updated: 2019-09-02Bibliographically approved

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