MYOB Australian Small Business Survey

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1 MYOB Australian Small Business Survey August 2004 (Quarter 3) Small Business Survey Report Prepared for MYOB Prepared by AMR Interactive AMR Interactive Contact: Chris Caley Survey Project Manager Web: Address: Level 14, Jones St, Ultimo, NSW 2007 Prepared for MYOB Australia MYOB Contact: Caroline Jackson Public Relations Manager Web: Address: 12 Wesley Crt, Burwood East, VIC

2 Table of Contents List of Tables and Charts...2 Perception of own business (current)...4 Perception of own business (future)...5 Expectations for future economic performance...6 Expectation of investing in own business...7 Source of funding for investment in own businesses...8 Perceptions of Federal Government performance...9 Perceptions of State Government performance...10 Outlook for specific business issues (positive)...11 Outlook for specific business issues (negative)...12 Activities conducted online...13 Appendix: Questionnaire items...14 List of Tables and Charts Table 1: Perception of own business performance ()...4 Table 2: Performance outlook for own business over the next 12 months ()...5 Table 3: Performance outlook for Australian economy over the next 12 months ()..6 Chart 1: Expectation of investing in own business in the next 6 months ()...7 Table 4: Source of funding for investment in small business ()...8 Table 5: Performance ranking of Federal Government in contributing to the development of small business in Australia ()...9 Table 6: Performance ranking of State Government in contributing to the development of small business in Australia ()...10 Chart 2: Small businesses with positive outlook on specific issues ()...11 Chart 3: Small business with negative outlook on specific issues ()...12 Chart 4: Activities conducted online ()

3 About the Study These tables present summary findings for Key indicators from a national sample of 2,722 small business proprietors and general managers, whose businesses have a connection to the Internet. These are defined as both non-employing and employing businesses up to a maximum of 20 employees. Results have been weighted to reflect the small business population distribution according to the Australian Bureau of Statistics (ABS) for company size, length of time operating, region and selected ANZSIC Industry divisions. Refer to ABS publications Characteristics of Small Business, , 2001 and Small Business in Australia, 1321, This quarterly study follows from a benchmarking undertaken by AMR Interactive in December 2003 (n=13,212), and the first wave of the tracker in April 2004 (n=2,896). All comparisons refer to the April quarterly tracking research. For a copy of this previous report, please contact the survey project manager or MYOB Public Relations. Key Indicators presented are: Perceptions of current and future performance of small business in Australia. Perceptions of the outlook for the Australian economy. Likelihood of small businesses investing in the next 6 months, and the likely source of funding. Perceptions of Federal and State government performance in contributing to small business development in Australia. Business outlook for small business in terms of sales, cash flow, business costs and other issues. Activities conducted online The findings of the research are presented by industry type: Industry Sample Agriculture 150 Manufacturing 252 Construction 285 Wholesale trade 116 Retail trade 393 Accommodation, cafes, restaurants 113 Transport and storage 92 Communication services 236 Finance and insurance 198 Property and business services 348 Education 70 Health and community 164 Cultural and recreational services 61 Personal and other services 170 Information & Communications Technology 67 Tourism* 7 * Due to low base size Tourism is included in Total numbers, though not reported separately. 3

4 Perception of own business (current) Table 1: Perception of own business performance () Small businesses still performing well Very Well Quite Well Not very well Not at all well Total Agriculture Manufacturing Construction Wholesale trade Retail trade Accommodation, cafes, restaurants Transport and storage Communication, media & marketing services Finance and insurance Property and business services Education Health and community Cultural and recreational services Personal and other services Information & Communications Technology Base: Online small businesses Note: Don t know responses not shown in table Q: Thinking about the current performance of your own business, do you think your business is performing? (very well, quite well, not very well, not at all well, don t know) *Caution low base AMR Interactive, 2004 (n =2,722 ) While still an overwhelming majority, there has been a slight decrease in positive perception of current business performance by 4 in the second quarter of the year to 79 amongst owners or proprietors of small businesses with Internet connections. This is continuation of the drop of 3 witnessed by previous quarter. However, nearly two thirds are still rating their business as performing quite well. At an industry level Health & Community are performing the best (24 Very Well), overtaking Property & Business from last quarter (down 5 to 16 very well). At the other end of the scale, Personal & Other services has the highest proportion of a negative performance rating at 34 - a 14 increase from last quarter. 4

5 Perception of own business (future) Table 2: Performance outlook for own business over the next 12 months () Owners remain upbeat about future business performance Better than now No change Worse than now Don t Know Total Agriculture Manufacturing Construction Wholesale trade Retail trade Accommodation, cafés & restaurants Transport & Storage Communication, media & marketing services Finance & Insurance Property & Business Services Education Health & Community services Cultural & Recreational services Personal & Other Services Information & Communications Technology (ICT) Base: Online small businesses Q: Now thinking about the performance outlook for your own business over the next 12 months, do you think your business will perform better than now, worse than now, no change, don t know? *Caution low base When it comes to owners perceptions of business performance over the next 12 months, there has been increase in positive outlook overall, up 3 points to 67 (similar to the benchmark in December 2003). By industry there has been some movement from the last quarter. Wholesale Trade and Cultural & Recreational Services have dropped in their optimistic outlook (each down 8 in better than now ). However, at the other end of the spectrum, Transport & Storage, Education, Health & Community Services, and ICT have all seen increases between 6 and 13. 5

6 Expectations for future economic performance Table 3: Performance outlook for Australian economy over the next 12 months () Expectations for general economic outlook are less optimistic Better than now No change Worse than now Don t Know Total Agriculture Manufacturing Construction Wholesale trade Retail trade Accommodation, cafés & restaurants Transport & Storage Communication, media & marketing services Finance & Insurance Property & Business Services Education Health & Community services Cultural & Recreational services Personal & Other Services Information & Communications Technology (ICT) Base: Online small businesses Q: Thinking more generally about the condition of the overall Australian economy over the next 12 months time, do you think it will perform... better than now, worse than now, no change, don t know *Caution low base Considering the economy in general, more small business owners are more optimistic for the next 12 months with ratings of Better than now and no change up 3 each from last quarter. This shift is partly due to a commensurate drop in negative perceptions, down to 16 from 20. Looking generally across sectors, certain industries have greatly increased their optimistic outlook perspective from last quarter: Transport & Storage (up 10), Personal & Other Services (up 11), and ICT (up 8). Amongst industry sectors, Retail Trade has the largest proportion of negative perception at 24, followed by Finance & Insurance at 20. Transport & Storage has the highest number of owners who are undecided, with 21 saying they don t know. 6

7 Expectation of investing in own business Chart 1: Expectation of investing in own business in the next 6 months () Proportion planning to invest in own business steady Total Agriculture Manufacturing Construction Wholesale trade Retail trade Accommodation, cafes, restaurants Transport and storage Communication, media and marketing services Finance and insurance Property and business services Education Health and community Cultural and recreational services Personal and other services Information & Communications Technology Tourism* Q: Do you expect to invest in your business in the next 6 months? *Caution low base When asked about investing in the business, about six out of ten owners said they plan to do so within the next six months. Wholesale Trade and Accommodation, Cafes & Restaurants have taken the lead as the two most likely sectors to invest in their own business in the next 6 months (each 73). The biggest increase has been for Properly & Business Services (up 12 from Q1) followed by Construction (up 10 from Q1). These are the sectors to watch for strong growth in Owners in Agriculture have seen a drop in likelihood to invest in the short term, from their leading position last quarter (at 73) to 63 this quarter. This may be due to the nature of the business, or depressed economic conditions within the sector. 7

8 Source of funding for investment in own businesses Table 4: Source of funding for investment in small business () Four out of ten will self fund and borrow to invest in business Fund all of it from own resources Combination of self funding and borrowings Borrow the entire amount Don t Know Total Agriculture Manufacturing Construction Wholesale trade Retail trade Accommodation, café & restaurants Transport & Storage Communication, media & marketing services Finance & Insurance Property & Business Services Education Health & Community services Cultural & Recreational services Personal & Other Services Information & Communications technology Base: Online small businesses who expect to invest in their business in the next 6 months Q: And in funding this investment, are you likely to use your own cash resources, raise it through borrowings or both? *Caution low base On a whole, about half of small businesses remain to self-fund future investment, as was the case last quarter. Looking at specific industry sectors, Education has dropped from 80 to 52 this quarter. Meanwhile, Accommodation and Transport & Storage have seen rises in the vicinity of 10 for self-funded investment forecasts. The leaders this quarter in selffunded investments at just over 60 are Information & Communications Technology, Personal & Other Services, Health & Community Services and Communication, Media & Marketing Services. The sector most likely to use a combination of funding is Wholesale Trade, with about half of all business in this sector reporting that they will borrow in conjunction with their own finances. Following closely are the Agriculture, Construction & Accommodation, Café and Restaurants industries. Transport & Storage continues to be the industry that is most likely to completely borrow their expansion funds (13) from last quarter. 8

9 Perceptions of Federal Government performance Table 5: Performance ranking of Federal Government in contributing to the development of small business in Australia () Federal government performance rated poorly by majority Very/Somewhat Poor Neither Very/Somewhat Good Don t Know Total Agriculture Manufacturing Construction Wholesale trade Retail trade Accommodation, cafés & restaurants Transport & Storage Communication, media & marketing services Finance & Insurance Property & Business Services Education Health & Community services Cultural & Recreational services Personal & Other Services Information & Communications technology Base: Online small businesses Q: How would you rate the Federal Government s current performance in contributing to the development of small business in Australia? Please indicate where 1 means very poor performance, 2 means somewhat poor performance, 3 means neither poor nor good performance, 4 means somewhat good performance and 5 means very good performance. *Caution low base A majority of owners view the Federal Government s performance in contributing to the development of small business in Australia negatively, with 44 giving a rating of somewhat or very poor. One fifth are undecided or don t know. These results suggest that not enough is being done to help owners develop their businesses. With an election approaching, this is one cohort of voters that should not be neglected. Information & Communications Technology rates the Federal Government s performance worst this quarter, at 57 negative. Personal & Other Services rate them the most highly, with 50 positive. 9

10 Perceptions of State Government performance Table 6: Performance ranking of State Government in contributing to the development of small business in Australia () Majority also rate State government performance poorly Very/Somewhat Poor Neither Very/Somewhat Good Don t Know Total Agriculture Manufacturing Construction Wholesale trade Retail trade Accommodation, cafés & restaurants Transport & Storage Communication, media & marketing services Finance & Insurance Property & Business Services Education Health & Community services Cultural & Recreational services Personal & Other Services Information & Communications technology Base: Online small businesses Q: How would you rate the State Government s current performance in contributing to the development of small business in Australia? Please indicate where 1 means very poor performance, 2 means somewhat poor performance, 3 means neither poor nor good performance, 4 means somewhat good performance and 5 means very good performance. *Caution low base Small businesses are rating the Sate Government s performance rating is worse than the Federal Government 10 more business rate the State Government performance as being somewhat/very poor, whereas 10 less business rate the State Government s performance as very/somewhat good compared to the Federal Government. The sectors most likely to be feeling negative about the State Government are Accommodation, Cafes & Restaurants and Transport & Storage (60 and 63). 10

11 Outlook for specific business issues (positive) Chart 2: Small businesses with positive outlook on specific issues () Small businesses optimistic about marketing and customers Marketing and customer relationships Sales Profitability Cash flow Business systems (IT, accounting) 42 8 Business costs 25 5 Competitor activity 22 8 Exchange rates Interest rates Federal government policies 13 1 Local government policies 8 1 Positive Very positive Base: Online Small Businesses Q: Listed below are a number of issues that your business will deal with over the next 12 months. Thinking only about your own business, please indicate your outlook for each of these issues where 1 is a very negative outlook, 2 is a somewhat negative outlook, 3 is neutral, 4 is a somewhat positive outlook and 5 is a very positive outlook? (If this is not applicable to your business select 6) There are no dramatic changes this quarter in terms of the positive outlook (for the next 12 months) by businesses on specific. The majority continue to be positive or ambivalent towards most measures with Sales and Marketing and Customer Relationships being seen in the most positive light (74 and 70 respectively). Although Government Policies (12), Exchange Rates (13) and Interest Rates (12) continue to attract the least positive scores, they have increase from last quarter by about 3-5 points. 11

12 Outlook for specific business issues (negative) Chart 3: Small business with negative outlook on specific issues () Interest rates and local government policies main concerns 2 35 Interest rates 9 27 Local government policies 3 25 Business costs 9 25 Federal government policies 3 16 Exchange rates 3 14 Competitor activity 2 12 Cash f low 1 10 Profitability 1 6 Sales 1 4 Business systems (IT, accounting) Negative Very Negative 0 2 Marketing and customer relationships Base: Online Small Businesses Q: Listed below are a number of issues that your business will deal with over the next 12 months. Thinking only about your own business, please indicate your outlook for each of these issues where 1 is a very negative outlook, 2 is a somewhat negative outlook, 3 is neutral, 4 is a somewhat positive outlook and 5 is a very positive outlook? (If this is not applicable to your business select 6) Businesses have a more negative outlook this quarter for the major issues of Government and Interest rates. Interest rates have taken over Government to attain the top spot in terms of negative outlook (up 7 in total negative outlook from last quarter. Government performance, both at the Federal and Local level, continues to attract the high levels pessimism. Along with Interest rates, Exchange rates are being viewed more negatively (up 6 to take the 5 th position). The negative outlook with regards to other issues has not shifted greatly this quarter. 12

13 Activities conducted online Chart 4: Activities conducted online () Banking and bill payments are the most popular online activities General Banking and book keeping 82 Bill payments (eg. B.Pay) 81 Order of purchase goods and services for the business 46 Pay for Insurance services 32 Payroll services 30 Pay superannuation contributions 23 Process customer payments online via an IP Payment Gatew ay Review Insurance services 11 9 Run credit risk assessments on customers 3 None of these 8 Base: Online Small Businesses Q: Which of the following does your company do via the Internet (please check all that apply) General Banking and Bill Payments are the most popular of all activities conducted by connected small businesses online (with nearly 4 in 5 small businesses conducting these activities online). Payments for insurance have risen dramatically by 20 from last quarter to take the position of fourth most popular activity conducted online. This is followed by the increase of 5 for payroll services from lat quarter. Only 8 of small businesses do not perform any of these activities. 13

14 Appendix: Questionnaire items Q1a. Is your business a subsidiary of a non-australian based business? Yes No Q2. Does your business operate out of a household or a home office? Yes No Q3. And does your business conduct most of its day-to-day work at these premises, or away from these premises? At premises Away from premises Length of time operating Q4. How long has your business been operating? Less than 1 year 1 to less than 2 years 2 to less than 3 years 3 to less than 5 years 5 to less than 10 years 10 years or more Annual Turnover Q5. Which of the following broad categories describes your company s annual turnover? Under $50, 000 $50, 000 to less than $100,000 $100,000 to less than $500,000 $500,000 to less than $1 million $1 million to less than $5 million $5 million to less than $10 million $10 million or more Don t know Q6: Thinking about the next twelve months, how confident do you feel about the prospects for your own business? Extremely confidant Fairly confidant Neutral Fairly worried Extremely worried. 14

15 Key Indicators Perceptions of own business (current) Q6a. Thinking about the current performance of your own business, do you think your business is performing Very well Quite well Not very well Not at all well Don t know Perceptions of own business (future) Q6b. Now thinking about the performance outlook for your own business over the next 12 months, do you think your business will perform Better than now Worse than now No change Don t know Perceptions of the economy (future) Q6c. Thinking more generally about the condition of the overall Australian economy over the next 12 months time, do you think it will perform? Better than now Worse than now No change Don t know (don t read out) Q6d. Listed below are a number of issues that your business will deal with over the next 12 months. Thinking only about your own business, please indicate your outlook for each of these issues where 1 is a very negative outlook, 2 is a somewhat negative outlook, 3 is neutral, 4 is a positive outlook and 5 is very positive outlook. (If this is not applicable to your business select 6) Sales Cash flow Business costs Profitability Competitor activity Federal Government policies Local Government policies Exchange rates Interest rates Business systems (IT, accounting) Marketing and customer relationships Business Investment Q6e. Do you expect to invest in your business in the next 6 months? Yes No 15

16 IF 6e(1) ASK 6f. Q6f. And in funding this investment, are you likely to use your own cash resources, raise it through borrowings or both? Fund all of it from our own resources Borrow the entire amount Combination of self-funding and borrowings Don t know Perceptions of Government performance Q6g. How would you rate the Federal Government s current performance in contributing to the development of small business in Australia? Please indicate below where 1 means very poor performance, 2 means poor performance, 3 means neither poor nor good performance, 4 means good performance and 5 means very good performance. If you really have no idea, then select Don t know. Very poor performance Poor performance Neither good nor poor performance Good performance Very good performance Don t know Q6g. How would you rate your State Government s current performance in contributing to the development of small business in your region? Please indicate below where 1 means very poor performance, 2 means poor performance, 3 means neither poor nor good performance, 4 means good performance and 5 means very good performance. If you really have no idea, then select Don t know. Very poor performance Poor performance Neither good nor poor performance Good performance Very good performance Don t know Q7. Which of the following does your company do via the Internet? Please check all that apply Bill payments (eg. B.Pay) General Banking (eg. funds transfer between accounts) Payroll services Review Insurance services Pay for Insurance services Run credit risk assessments on customers Process customer payments online via an IP Payment Gateway (eg Using ANZ s egate) Pay superannuation contributions Order or purchase goods and services for the business 16

17 Demographics Almost finished! We just need some general details to help us analyse responses. D1. Which state is your company predominantly based in? 1. NSW 2. VIC 3. QLD 4. SA 5. WA 6. TAS 7. NT 8. ACT D2. What is the postcode where your business is located? If you have more than one office please indicate the postcode where your business Head Quarters are based? D3. What is the main product, service or activity that your business provides? D4. What industry does your business operate in? Agriculture Manufacturing Electricity, gas and water supply Construction Wholesale trade Retail trade Accommodation, café and restaurants Transport and storage Communication, media and marketing services Finance and insurance Property and business services Government administration and defence Education Health and community services Cultural and recreational services Personal and other services Other (specify) 17

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