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Findings of this study suggest that Turkish SMEs happen to experience obstacles in raising finance to improve and develop their business environment. In particular, as information asymmetry and uncertain economic environment are the key barriers, financial constraints turn out to be main handicap for SMEs' survival. Despite its own merits, SME owners, in family business case, are reluctant to take external finance for their projects with the intention not to lose their independence and control.doi:10.17261/pressacademia.2017.560 fatcat:o7qkalqr45ffvp2v57uuxhb3va