25 Aug The Financial Behavior of SMEs in the Context of the Spanish Economy: Determinant Factors
Posted at 08:53h
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Authors
Laura Núñez Letamendia, Patricia Sánchez Ruiz
Date published
June 2025
Center
Observatory of Households and SMEs Finances
The report analyzes the financial behavior of Spanish micro and small businesses, focusing on how financial knowledge, planning skills, attitudes toward risk and ESG, and access to advice and digital tools influence financing and risk management. Using data from the 2021 Financial Competency Survey of Small Businesses (Banco de España) with 1,120 companies, it aims to identify factors that strengthen decision-making, sustainability, and competitiveness in the SME sector.