Enquete Hiscox ADN d'un entrepreneur 2013

The Hiscox DNA of an Entrepreneur report 2013 A ‘new normal’: tougher trading and reduced optimism • Small businesses found it har der to incr ease r evenues last year , and fewer of them ar e optimistic about the year ahead. • Only one in ten small businesses plan to take on new staf f in the coming year – but nearly two thir ds expect to avoid r edundancies. • Small businesses’ biggest fear is not being supported by gover nment. T op of their agenda for gover nment is r educed dir ect taxation, followed by simpler and fewer accounting rules, and mor e support and stimulation for lending. • The average working week in small businesses is 41.1 hours. The Germans work longest, on average, but have the most holiday . The British have the shortest working week and the second most days’ holiday . • Nearly one in thr ee small businesses launched a new pr oduct or service in the last year – and ar ound two thir ds of these plan to launch another one in the next 12 months. Contents A. Intr oduction 3 B. Adjusting to ‘the new normal’ 4 C. Confr onting fears and managing risk 6 D. Lifestyles and values 8 E. Innovating thr ough pr oducts and training 11 F . Small business and the state 13 G. Country pr ofles 16 H. Pr ofle of r espondents 19 I. Methodology 19 2 A.