Business plans, which have so far been used mostly as an instrument for easier access to credits, should be the main source for passing business decisions. This is the conclusion of the forum on the role of business plans in development of small and medium enterprises. Concrete business plans for companies #Bajo Pivljanin#, #Brskovo# and #Jezerakoop# were presented at the forum, organized by Montenegrin Agency for development of small and medium enterprises (AMSP), German consulting company Iltis and German foundation Carl Duisberg. Director of the Agency, Zoran Vukcevic, said that business plans should assist companies in assessment of all good and bad sides of their business ideas. "So far, business plans in Montenegro have been used for receiving credits, instead as a source of business decisions. Business idea should be considered from all aspects in order to make it realizable, and the company would thus get a better position at the market and greater chances for success," said Vukcevic. He explained that realization of the business plans for small and medium enterprises would be financed by the German Government and European Commission, through two credit lines of 3 million EUR each in Montenegrin Commercial and Euromarket banks. The expert consultant of the Iltis, Ernesto Laraya, said that business plans were made as a part of the program #Strategic competences of small and medium enterprises in Montenegro#, through which a serial of seminars was organized in the last 12 months. "The target of the program is training of consultants from Montenegro for services in the field of marketing and making of business plans, which should support the development of small and medium enterprises. The educational level in Montenegro is high, which was why we decided to send several consultants who transferred their knowledge to 60 to 80 participants of the program in Montenegro," said Laraya. Trainees of the program and representatives of the companies that the business plans were made for, estimated that they should be the basis of their development and a hope for solution of the problems. It was said at the forum that making of business plans was not enough for success of the company, but that it should be supplemented with training of the employees that would implement it.