natgillin/translations-raw huggingface dataset:
43 To measure results and impacts, several indicators were suggested, for example contribution to the performance of beneficiaries (growth of sales, jobs created/maintained, new products or services developed) or total (or average) turnover growth of SMEs financed. 
43 za merjenje rezultatov in učinkov so bili predlagani številni kazalniki, na primer prispevek k uspešnosti upravičencev (rast prodaje, ustvarjena/ohranjena delovna mesta, razviti novi izdelki ali storitve) ali skupna (ali povprečna) rast prometa financiranih mSP.
44 For example, an intermediary in Slovenia obtained the employment data from the national social security and insurance institution. 
44 Na primer, posrednik v Sloveniji je podatke o zaposlovanju pridobil od nacionalne ustanove za socialno varnost in zavarovanje.
45 An intermediary in Spain collects the information annually from the regional guarantee societies on a sample basis. 
45 En posrednik v Španiji letno na podlagi vzorca zbira informacije od regionalnih garancijskih družb.
46 Another intermediary in Spain calculates the change in employment by comparing expectations at the time of the loan request compared with actual employment at the time of calculation. 
46 NekidrugposrednikvŠpaniji izračunava spremembo v zaposlitvi tako, da primerja pričakovanja v času prošnje za posojilo z dejansko zaposlenostjo v času izračuna.
47 Forexample,anintermediary in Italy collects the employment data only in the initial guarantee application and does not update those at later stage. 
47 Naprimer,enposrednik v Italiji zbira podatke o zaposlenosti le v začetni prošnji za garancijo, pozneje pa jih ne posodablja.
33 Special Report No 4/2011 – The audit of the SME Guarantee facility 
33 Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
Another problem with this indicator is that the values are taken from the number of persons employed by the supported SMEs, which is not equivalent to the number of jobs created or maintained at SMEs receiving new financing. 
Še en problem tega kazalnika je, da so vrednosti določene na podlagi števila oseb ki jih zaposlujejo mSP, ki prejmejo podporo, kar pa ni enakovredno številu ustvarjenih ali ohranjenih delovnih mest v mSP, ki prejemajo novo financiranje.
The new financing received by an SME is not the only factor which leads to maintaining or creating jobs. 
Novo financiranje, ki ga prejme neko mSP, ni edini dejavnik za ohranjanje ali ustvarjanje novih delovnih mest.
Financial intermediaries should have clear reporting requirements in order to collect the data for monitoring and reporting on the SMEG programme. 
Finančni posredniki bi morali imeti jasne zahteve za poročanje, da bi zbirali podatke za spremljanje in poročanje o garancijski shemi za mSP.
Time and resources to obtain the required information for the indicators should not create an unnecessary administrative burden. 
Čas in viri, potrebni za pridobivanje zahtevanih informacij za kazalnike, ne bi smeli povzročati nepotrebne administrativne obremenitve.
Financial intermediaries are required to collect various data on the supported SMEs and report to the EIF on a regular basis (see Annex III). Reporting requirements are listed in the guarantee agreement between the EIF and the financial intermediary. 
Finančni posredniki morajo zbirati različne podatke o mSP, ki prejemajo podporo, in redno poročati EIS (glej Prilogo­III). zahteve za poročanje so navedene v garancijskem sporazumu med EIF in finančnim posrednikom.
To this end, clear guidelines48 have been issued by the EIF to the financial intermediaries as to how to compile the requested data. 
V ta namen je EIS za finančne posrednike izdal jasne smernice48 o tem, kako združevati zahtevane podatke.
Corroborating this statement, 88 % of the financial intermediaries agreed that the operational instructions provided by the EIF were clear49. 
To izjavo podpira podatek, da je 88 % finančnih posrednikov menilo, da so bila operativna navodila, ki jih je zagotovil EIS, jasna49.
Furthermore, 98 % of the financial intermediaries stated that the EIF is always willing to provide further information to clarify operational is-sues50. 
Poleg tega je 98 % finančnih posrednikov navedlo, da je EIS vedno pripravljen zagotoviti nadaljnje informacije za pojasnitev vprašanj o delovanju50.
The results of the Court’s questionnaire also showed that only 20 % of financial intermediaries participating under the CIP and/or the MAP find the reporting requirements unreason-able51. 
Rezultati vprašalnika Sodišča so tudi pokazali, da je le 20 % finančnih posrednikov, ki so sodelovali pri PKI in/ali mAP, menilo, da so zahteve za poročanje pretirane51.
48 ‘Manual for compiling reports under the SME guarantee facility 2007–13 (CIP)’ — EIF. 
48 „Priročnik za pripravo poročil pri pomoči SmEg 2007–2013 (cIP)“ – EIS.
49 Based on a questionnaire (Q14), 36 out of 41 financial intermediaries who answered this question agreed that the operational instructions provided by the EIF were clear. 
49 Na podlagi vprašalnika (vprašanje 14) je 36 od 41 finančnih posrednikov, ki so odgovorili na to vprašanje, menilo, da so bila operativna navodila, ki jih je zagotovil EIS, jasna.
50 Based on a questionnaire (Q15), 40 out of 41 financial intermediaries who answered this question agreed that the EIF is always willing to give explanations during the lifetime of the guarantee. 
50 Na podlagi vprašalnika (vprašanje 15) je 40 od 41 finančnih posrednikov, ki so odgovorili na to vprašanje, menilo da je EIS vedno pripravljen dati pojasnila med trajanjem garancije.
51 Based on a questionnaire (Q16), eight out of 42 financial intermediaries who answered this question did not agree that the reporting requirements were reasonable. 
51 Napodlagivprašalnika (vprašanje 16) se 8 od 42 finančnih posrednikov, ki so odgovorili na to vprašanje, ni strinjalo s tem, da so zahteve za poročanje razumne.
34 Special Report No 4/2011 – The audit of the SME Guarantee facility 
34 Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
In cases where data collection through financial intermediaries poses a lot of difficulties (for example, employment data), alternative methods of collecting information could have been more appropriate. 
V primerih, ko zbiranje podatkov prek finančnih posrednikov povzroča veliko težav (npr. podatki o zaposlitvi), bi bili primernejši drugačni načini zbiranja informacij.
Both reports, ‘Evaluation of the indicators of the EIP’ and the ‘Interim evaluation of the EIP’, suggested using surveys in the context of an evaluation. 
Poročili „Ocena kazalnikov programa PPI“ in „Vmesna ocena programa PPI“ predlagata uporabo anket v okviru vrednotenja. dOsežkI GarancIjske sheMe za MsP 73.
This section describes the outputs delivered by the SMEG facility. 
Ta del opisuje izložke, ki so jih proizvedle garancijske sheme za mSP.
The outputs are analysed in relation to the facility’s objectives. 
Izložki so analizirani glede na cilje pomoči.
Furthermore, the European added value of the facility is examined, in particular whether the facility’s objectives are better achieved by implementation at Community level than at national or regional level. 
Poleg tega je pregledana evropska dodana vrednost pomoči, zlasti to, ali se cilji pomoči bolje uresničujejo z izvajanjem na ravni Unije kot na nacionalni ali regionalni ravni.
OUTPUTS OF THE SMEG FACILITY 74. 
IzlOžkI GarancIjske sheMe za MsP 74.
The CIP financial instruments should ‘improve (...) access to finance for the start-up and growth of SMEs and investment in innovation activities52’. 
Finančni instrumenti PKI bi morali izboljšati dostop „do financ za začetno fazo in fazo rasti mSP ter za naložbe v inovacijske dejavnosti52“.
More specifically, the SMEG facility under CIP sets out to: ο reach 315 750 SMEs53; ο guarantee loans that finance SMEs’ innovative investments54 or are provided to SMEs lacking sufficient collateral; and therefore ο enhance access to finance where the market fails. 
Natančneje, namen garancijske sheme za mSP v okviru PKI je: ο doseči 315 750 mSP53; ο jamčiti za posojila, ki financirajo inovativne naložbe mSP54 ali pa so zagotovljena mSP brez zadostnega premoženja za zavarovanje posojila, in tako ο izboljšati dostop do financiranja, kjer ga trg ne omogoča.
The following analysis was based on a review of the loan sample selected by the Court55. 
Naslednja analiza temelji na pregledu vzorca s posojili, ki ga je izbralo Sodišče55.
As regards investments in certain knowledge-related activities such as technological development, innovation and technology transfer, reference is made to the OECD Oslo Manual for the measurement of scientific and technological activities56. 
V zvezi z vlaganji v nekatere dejavnosti, povezane z znanjem, kot so tehnološki razvoj, inovacije in prenos tehnologije, se sklicuje na priročnik OEcD o merjenju znanstvene in tehnološke dejavnosti56.
52 CIP Decision, Article 10. 
52 Sklep o PKI, člen 10.
53 Annex to the Proposal for a Decision of the European Parliament and of the Council establishing a Competitiveness and Innovation Framework Programme (2007–13), SEC(2005) 433. 
53 Priloga k predlogu za Sklep Evropskega parlamenta in Sveta o ustanovitvi Okvirnega programa za konkurenčnost in inovativnost (2007–2013), SEc(2005) 433.
CIP Decision, Article 19.2 refers to ‘investments in certain knowledge-related activities such as technological development, innovation and technology transfer’. 
Sklep o PKI, člen 19.2 se sklicuje na naložbe „v določene na znanju temelječe dejavnosti, kot so tehnološki razvoj, inovacije in prenos tehnologije“.
55 Asampleof181loanswas selected from the nine financial intermediaries visited. 
55 Izbranjebilvzorecs181 posojili od devetih finančnih posrednikov.
The number of loans chosen per intermediary reflecting the achieved guarantee volume and was limited to a range from 10 to 45. 
Število posojil, izbranih pri posameznem posredniku, je odražalo dosežen obseg garancije in je bilo omejeno v razponu od 10 do 45.
56 ‘The OSLO Manual, Proposed guidelines for collecting and interpreting technological innovation data’, OECD, 1997, also referred to in recital 8 preceeding the CIP Decision and in the European Commission’s 2009 impact assessment guidelines — SEC(2009) 92. 
56 The OSLO manual, Proposed guidelines for collecting and interpreting technological innovation data, OEcD, 1997, ki je omenjen tudi v uvodni izjavi 8 Sklepa o PKI in smernicah Evropske komisije za ocenjevanje učinka iz leta 2009, SEc(2009) 92.
35 Special Report No 4/2011 – The audit of the SME Guarantee facility 
35 Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
36 The overall TargeT of reaching 315 750 SMeS iS aTTainable 76. 
36 Splošni cilj, v Skladu S katerim bi bilo treba doSeči 315 750 Smp, je doSegljiv 76.
All financial intermediaries visited clearly targeted SMEs and all had procedures in place to verify the SME status of the borrower. 
Vsi obiskani finančni posredniki so se jasno usmerili v mSP in vzpostavili postopke za preverjanje, ali imajo posojilojemalci status mSP.
As regards the overall target of reaching 315 750 SMEs57, the Commission and the EIF made a successful effort to overcome the consequences of the initial delay (see paragraph 32) by concentrating on the larger financial intermediaries. 
Kar zadeva skupni količinsko opredeljen cilj, da bi bilo treba doseči 315 750 mSP57, sta si Komisija in EIS uspešno prizadevala za premagovanje posledic začetne zamude (glej odstavek 32) tako, da sta se osredotočila na večje finančne posrednike.
In the three years since the CIP came in force, the EIF has signed 25 deals with 21 financial intermediaries (see Table 2). 
V treh letih, odkar je začel veljati PKI, je EIS podpisal 25 pogodb z 21 finančnimi posredniki (glej tabelo­2).
At the end of 2009, the total guarantee cap amount58 of these guarantee agreements stood at 191,1 million euro, representing 37,5 % of the overall budget for the SMEG facility. 
Ob koncu leta 2009 je znesek limita garancije58 iz teh garancijskih sporazumov skupaj znašal 191,1 milijona EUR in tako predstavljal 37,5 % skupnega proračuna za garancijsko shemo za mSP.
The financial intermediaries had provided loans to almost 59 000 SMEs, representing 19 % of the target number of SMEs. 
Finančni posredniki so zagotovili posojila za skoraj 59 000 mSP, kar predstavlja 19 % načrtovanega števila mSP.
Taking into account the results from the MAP, the signed guarantee agreements reach more than half of the target number of SMEs (57,4 %) if the maximum portfolio amount is reached for each of these agreements59 (see Figure 3). Therefore, the progress in implementation is sufficient to expect that the overall target of reaching 315 750 SMEs will be attained. 
Ob upoštevanju rezultatov iz programa mAP podpisani garancijski sporazumi dosegajo več kot polovico načrtovanega števila mSP (57,4 %), če se za vsakega od teh sporazumov doseže največji možni znesek portfelja59 (glej sliko­3). zato je napredek pri izvajanju dovolj velik, da je mogoče pričakovati, da bo doseženo skupno načrtovano število 315 750 mSP, ki naj bi jih dosegla shema.
57 AsprovidedintheCIPimpact assessment, SEC(2005) 433. 
57 Kot je navedeno v oceni učinka za PKI, SEc(2005) 433.
58 The cap amount represents the ceiling of the costs for the EU budget and will materialise only if the financial intermediary reaches the maximum portfolio amount and realises the expected losses on the loan portfolio. 
58 zneseklimitapredstavlja zgornjo mejo stroškov za proračun EU in se bo aktiviral le, če finančni posrednik doseže največji možni znesek portfelja in utrpi pričakovane izgube portfelja posojil.
59 For instance under the MAP, only two out of 45 financial intermediaries reached less than 90 % of the maximum portfolio amount. 
59 Na primer, pri programu mAP sta le dva od 45 finančnih posrednikov dosegla manj kot 90 % največjega možnega zneska portfelja. slIka 3 37,5 % 18,6 % 57,4 % 42,9 % IzlOžkI GarancIjske sheMe za MsP PrI PkI Ob kOncU leta 2009 0 % Skupni limitiran znesek podpisanih garancij kot odstotek skupnega proračuna za garancijsko shemo za MSP Št. že doseženih MSP kot odstotek količinsko opredeljenega cilja za garancijsko shemo za MSP Št.
FIGURE 3 37,5 % 18,6 % 57,4 % 42,9 % OUTPUTS OF THE SMEG FACILITY UNDER CIP AS AT THE END OF 2009 0 % Total cap amount of the guarantees signed as a percentage of the overall budget for the SME Guarantee Facility Number of SMEs already reached as a percentage of the overall target for the SME Guarantee facility Number of SMEs that could be reached with the currently signed guarantee agreements as a percentage of the overall target for the SME Guarantee facility1 Time elapsed in percentage terms 20 % 40 % 60 % 80 % 100 % 1 (1 055 euro) and that the maximum portfolio amount is reached for all existing guarantee agreements. 
MSP, ki bi jih bilo mogoče doseči s trenutno podpisanimi garancijskimi sporazumi, kot odstotek skupnega količinsko opredeljenega cilja za garancijsko shemo za MSP1 Pretečen čas v odstotkih obdobja PKI 20 % 40 % 60 % 80 % 100 % 1 kot pri programu mAP (1 055 EUR) in da se za vse obstoječe garancijske sporazume doseže največja možna vrednost portfelja.
Calculated by the Court assuming the same average costs to the EU budget for reaching one SME as in the MAP programme Special Report No 4/2011 – The audit of the SME Guarantee facility 
Izračun je napravilo Sodišče in pri tem predpostavljalo, da so bili povprečni stroški za proračun EU za doseganje enega mSP enaki Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
37 The faciliTy reacheS SMeS which lack collaTeral; innovaTive projecTS are Scarce 78. The SMEG facility is designed to enhance access to debt funding for SMEs that have viable projects but are unable to secure a loan from commercial lenders. 
37 Shema doSeže mSp, ki nimajo dovolj premoženja za zavarovanje garancije, inovativni projekti pa So redki 78. garancijska shema za mSP je zasnovana za izboljšanje dostopa do financiranja dolga za mSP, ki imajo donosne projekte, vendar ne morejo jamčiti za posojilo od komercialnih posojilodajalcev.
Such a situation can occur if an SME does not have sufficient collateral to fulfil the requirements of a commercial lender. 
Do takšnega stanje lahko pride, če neko mSP nima zadostne garancije, da bi izpolnilo pogoje komercialnega posojilodajalca.
Alternatively, the SME can be denied access to loan financing if the commercial lenders are not in a position to easily estimate the viability of the business proposition, as might be the case for innovative investments. 
Ali pa se dostop mSP do financiranja posojila zavrne, če komercialni posojilodajalci ne morejo brez težav oceniti donosnosti poslovnega predloga, kar se lahko zgodi v primeru inovativnih naložb.
The more novel the investment, the less likely it is that a loan will be granted. 
Čim bolj inovativna je naložba, tem manjša je verjetnost, da bo posojilo odobreno.
Based on the responses to the Court’s questionnaire, the CIP financial intermediaries aimed to target primarily SMEs without sufficient collateral, secondly micro enterprises and then start-ups. 
Na podlagi odgovorov na vprašalnik Sodišča je bil cilj finančnih posrednikov v okviru PKI, da se usmerijo predvsem v mSP brez zadostne garancije, nato v mikropodjetja in na koncu v podjetja v fazi zagona.
The innovative SMEs represent the category that is least targeted. 
Inovativna mSP predstavljajo kategorijo, na kateri je poudarek najmanjši.
While 90 % of the intermediaries agreed with the statement that their CIP-guaranteed product was aimed at customers that did not have sufficient collateral, only approximately half of the intermediaries agreed with the statement that their CIP-guaranteed product was aimed at innovative SMEs (see Figure 4). 
90 % posrednikov se je strinjalo z izjavo, da je bil njihov produkt z garancijo v okviru PKI namenjen strankam, ki niso imele zadostne garancije, le približno polovica posrednikov pa se je strinjala z izjavo, da je bil njihov produkt z garancijo v okviru PKI namenjen inovativnim mSP (glej sliko­4). slIka 4 90% 79% 69% 54% anketa PrI fInančnIh POsrednIkIh – MsP, kI jIM je bIla naMenjena GarancIja/POsOjIlO Naš produkt z garancijo v okviru PKI je namenjem strankam, ki nimajo dovolj premoženja za zavarovanje posojila Naš produkt z garancijo v okviru PKI je namenjen mikro podjetjem Naš produkt z garancijo v okviru PKI je namenjen MSP v fazi zagona Naš produkt z garancijo v okviru PKI je namenjen inovativnim MSP 0 % 20 % 40 % 60 % 80 % 100 % Finančni posredniki v programu PKI so morali na lestvici od 1 do 5 točk navesti stopnjo strinjanja s temi štirimi izjavami.
The percentage in the chart indicates the portion of the respondents that either agreed or strongly agreed with the statement. 
Odstotki v grafu kažejo delež anketirancev, ki so se strinjali ali močno strinjali z izjavo.
The number of responses provided to each of these questions slightly varied from 28 to 30 out of 31 financial intermediaries either participating or planning to participate in the CIP. 
Število odgovorov na posamezno vprašanje je pri 31 finančnih posrednikih, ki so sodelovali ali nameravali sodelovati pri programu PKI, rahlo nihalo med 28 in 30.
Source: ECA questionnaire to the financial intermediaries. Special Report No 4/2011 – The audit of the SME Guarantee facility 
Vir: Vprašalnik ERS za finančne posrednike. Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
The analysis of the loan sample shows that SMEs with a lack of collateral benefited more often than SMEs that were carrying out innovative investments. 
Analiza vzorca s posojili kaže, da so mSP brez zadostne garancije pogosteje prejela pomoč kot mSP, ki so izvajala inovativne naložbe.
Out of the 181 loans in the sample, 77 loans (43 %) were provided to SMEs that lacked sufficient collateral to gain access to finance through existing commercial lending. 
Od 181 posojil v vzorcu je bilo 77 posojil (43 %) zagotovljenih mSP, ki niso imela zadostne garancije za dostop do financiranja prek obstoječih komercialnih posojil.
Only 22 loans (12 %) were used to finance projects that had innovative aspects (see Table 5). 
Le 22 posojil (12 %) je bilo uporabljenih za financiranje projektov z inovativnimi vidiki (glej tabelo­5).
Although innovative investments were rare, the loan sample included some highly innovative investments. 
Čeprav so bile inovativne naložbe redke, je vzorec s posojili zajemal nekatere zelo inovativne naložbe.
Half of the innovative projects (11 out of 22) were assessed as market-new or world-new types of innovation. These projects aimed at creating new or significantly improved products, production processes or delivery methods that were new at least for the operating market of the enterprise. 
Polovica inovativnih projektov (11 od 22) je bila ocenjenih kot inovacije, ki so novosti na posameznih trgih ali svetovne novosti. cilj teh projektov je bil ustvariti nove ali bistveno izboljšane izdelke, proizvodne procese ali dostavne metode, ki so bile nove vsaj na tržišču, na katerem deluje podjetje.
For an example of such an investment, see Box 5. 
Primer takšne naložbe je v okviru 5.
The remaining innovative investments could be described as a novelty only for the enterprise concerned, and were already being implemented by other firms that were directly competing with the borrower. 
Preostale inovativne naložbe bi bilo mogoče opisati kot novosti le za zadevno podjetje in so jih druga podjetja, ki so neposredno konkurirala posojilojemalcu, že izvajala.
38 TABLE 5 SMEs that lack sufficient1 collateral SMEs with sufficient collateral Lack of collateral not demonstrated Total Loans used to finance innovative investments 7 4% 12 7% 3 2% 22 12 % Loans used to finance projects without significant innovative element 70 39 % 69 38 % 20 11 % 159 88 % Total 77 43 % 81 45 % 23 13 % 181 100 % RESULTS OF THE LOAN ANALYSIS IN TERMS OF NUMBER OF LOANS AND PERCENTAGE OF SAMPLE SIZE 1 In the cases where a financial intermediary defined the level of sufficient collateral or this level could be implicitly deduced, this was applied to determine the ‘sufficiency’ of the collateral. 
38 tabela 5 MSP brez zadostne1 garancije MSP z zadostno garancijo Pomanjkanje garancije ni bilo pokazano Skupaj Posojila, uporabljena za financiranje inovativnih naložb 7 4% 12 7% 3 2% 22 12% Posojila, uporabljena za financiranje projektov brez bistvene inovativne komponente 70 39% 69 38% 20 11% 159 88% Skupaj 77 43% 81 45% 23 13% 181 100 % rezUltatI analIze POsOjIl V sMIslU šteVIla POsOjIl In OdstOtka VelIkOstI VzOrca 1 V primerih, ko je finančni posrednik opredelil raven zadostne garancije oziroma bi lahko o tej ravni implicitno sklepali, se je to uporabilo za opredelitev „zadostnosti“ garancije.
In the remaining cases, an SME was considered to possess sufficient collateral if the loan amount did not exceed 70 % of the value of realisable assets. 
V preostalih primerih se je sklepalo, da ima neko mSP zadostno garancijo, če znesek posojila ni presegal 70 % vrednosti razpoložljivih sredstev.
In the latter category, other factors which increased the risk profile of the SME were also taken into account (e.g. loans to unemployed) and as a result these SMEs were considered as ‘SMEs that lack sufficient collateral’. 
V slednji kategoriji so bili upoštevani tudi drugi dejavniki, ki so povečali profil tveganja mSP (npr. posojila brezposelnim), zato so se ta mSP štela za„mSP brez zadostne garancije“.
However, for 23 loans no assessment could be made regarding the reported lack of collateral due to the absence of information at the financial intermediaries. financial inTerMediarieS STrive for addiTional lending voluMeS, buT More aTTenTion could have been paid To deadweighT 83. 
Vendar finančni posredniki niso imeli informacij, zato za 23 posojil ni bilo mogoče pripraviti ocene o pomanjkanju garancije, o katerem se je poročalo. Finančni poSredniki Si prizadevajo za dodatne zneSke poSojil, vendar bi Se lahko nepotrebnim izgubam namenilo več pozornoSti 83.
In guarantee schemes, ‘deadweight’ occurs if the borrower could have obtained the loan from commercial lenders without public support. 
V garancijskih shemah pride do „nepotrebne izgube“, če bi lahko posojilojemalec od komercialnih bank pridobil posojilo brez javne podpore.