“…Entrepreneurs' characteristics, such as gender, level of education, age, managerial skills, and experience, in addition to physical and emotional family support, are the important factors that influence business success (Munoz et al, 2015;Kozubíková et al, 2015a;Bartoš et al, 2015) and represent significant factors which determine the approach to financial risk management and access to external financing through bank loans (Belas et al, 2015;Doležal et al, 2015).…”