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The article focuses on the innovative activities of small and medium enterprises so as to take into account certain effects of financial management and culture as well as the factors determining the market, governmental and regulatory environment of management. Our research was based on focus group interviews conducted in 2017 by the Institute of Sociology and Social Policy of Corvinus University of Budapest among the owners of small and medium enterprises as well as on the results of a nationwide representative survey. The research questions were formulated after processing the qualitative focus group interviews, with statistical correlations and explanations then analysed with quantitative methods.

Keywords: SME enterprises; innovative efforts; financial culture

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