Only 13% per cent of Italian entrepreneurs and freelancers chose to apply for a loan using the guarantee fund established with the Cura Italia and Liquidit decrees. In all, notes the Cgia di Mestre Study Office, there were 715,776 applications for a total amount of 41 billion euros out of a total audience of potential beneficiaries equal to just over 5,460,000 units. On a territorial level, the Marche Region, with 17.8%, recorded the highest incidence of bank loan applications submitted with the help of the Guarantee Fund on the number of SMEs and self-employed workers located in the region. Emilia Romagna follows with 16.4%, Tuscany with 16.2% and Umbria with 14.8%. The territorial realities of the Mezzogiorno have the lowest incidence: Calabria marks 11.1%, Sicily 11%, Molise 10.9%, Sardinia 10.5% and Campania 10 %. The tail light of Trentino Alto Adige, which made just 5.1% of adhesions.
The possible beneficiaries of loans with a state guarantee are just over 5.46 million businesses and freelancers. In the three months of emergency (from 17 March to 25 June) almost 716 thousand applications were received by the SME Guarantee Fund, 13% of the total. Therefore 87% have not done so, notes the CGIA. Looking at the questions, the Associazione Mestrina claims, although in absolute terms these figures appear extremely significant, statistical correctness suggests that it is preferable to size the extent of this phenomenon by calculating the impact of the applications for funding submitted to the Fund on the potential beneficiaries of In short, almost 9 out of 10 SMEs have not asked for any loan. It is clear – reports the coordinator of the Paolo Zabeo Studies Office – if the numbers are so limited, the responsibility not of the banks and not even of the Guarantee Fund, but attributable to the fact that the instrument has aroused very little interest among entrepreneurs. Of course, some credit institutions have not been particularly diligent in formulating the preliminary inquiries, adds Zabeo.