Application of the Capital at Risk Model to Small and Medium Enterprises

The CMW loan-pricing model is established by RAROC (risk adjusted return on capital) with consideration of performance measurement and risk management. The model was presumed interest income as all revenue and credit risk of economic capital the only risk. Model parameters were calculated with large amounts of processed data by cloud computing and internet of things. By donging this, financial institutions determined loan interest rates provided to SMEs (small and medium enterprises) in financing mode of CMW.

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The Capital at Risk Model Applied to the Firms Alpha, Beta and Gamma

Estimating SMEs Cost of Equity Using a Value at Risk Approach ◽

10.1057/9781137389305_6 ◽

2014 ◽

pp. 105-166

Author(s):

Federico Beltrame ◽

Roberto Cappelletto ◽

Gabriele Toniolo

Keyword(s):

At Risk ◽

Risk Model ◽

Alpha Beta ◽

Capital At Risk

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Model Pemberdayaan Usaha Mikro Dan Pengaruhnya Terhadap Kemandirian Usaha

Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen ◽

10.32477/jrm.v2i1.164 ◽

2015 ◽

Vol 2 (1) ◽

pp. 75-93

Author(s):

Mudasetia Hamid ◽

Evy Rosalina Widyayanti

Keyword(s):

Human Resources ◽

Small And Medium Enterprises ◽

Poverty Rate ◽

Cultural Centers ◽

Central Java ◽

Tourism Education ◽

The Indian Ocean ◽

Medium Enterprises ◽

The City

Yogyakarta is a city and the capital of Yogyakarta Special Region in Java, Indonesia. It is renowned as a center of tourism, education and culture. Yogyakarta is one of the foremost cultural centers of Java. This region is located at the foot of the active merapi vulcano. Yogyakarta is often called the main gateway to the Central Java as where it is geographically located. It stretches from Mount Merapi to the Indian Ocean. This province is one of the most densely populated areas of Indonesia. Yogyakarta is popular tourist destination in indonesia after Bali. These have attracted large number of visitors from across Indonesia and abroad to the city. This status makes Yogyakarta is one of the most heterogeneus cities in Indonesia. In edition, Yogyakarta has attracted large number of people to reside in this city for business. One of these comers is small entrepreneurs with their market munchies enterprise (specially a traditional snack trader). This business is one of famous business in Yogyakarta, we will find rows of pavement vendors selling market munchies. The students and tourists are their main target customers. Market munchies enterprise is part of small and medium enterprises SMEs as livelihood activities. SMEs has an important role in economic growth of Indonesia. Therefore, it is very important to develop and strengthen the micro enterprise empowerment. Micro enterprise empowerment is one of strategy to reduce the poverty rate in Indonesia. Major challenger in implement this program are that micro entrepreneurs are conventional and have satisfied with their revenue. It is very important to develop a comprehensive and sustainable micro enterprise empowerment which consist of strengthen the quality of human resources, maximize the government’s roles, empower the enterprise capital and strengthen the partnership and autonomous. Micro enterprise autonomy will contribute to the economic and investment climate. This will lead to establish an accountable enterprise both for the micro enterprise and customers which at the end will strengthen the development of the micro enterprise in Yogyakarta.Keyword: micro entreprise, human resources, government roles, capital, partnership and autonomous.

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Pengaruh Pengalaman Usaha Dan Penggunaan Informasi Akuntansi Pelaku Usaha Mikro Kecil Menengah Terhadap Keberhasilan Usaha

Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen ◽

10.32477/jrm.v6i1.333 ◽

2019 ◽

Vol 6 (1) ◽

pp. 27-39

Author(s):

Khoirunnisa Cahya Firdarini

Keyword(s):

Structural Equation ◽

Small And Medium Enterprises ◽

Control Variable ◽

Accounting Information ◽

Total Sample ◽

Creative Industries ◽

Business Success ◽

Statistical Tool ◽

Business Experience ◽

Medium Enterprises

Accounting information has an important role to achieve business success, as well as for small businesses.This research examines the effect of business experience and accounting information system used toward business success with age of business as control variable. The population of this research are small and medium enterprises (SMEs) in creative industries sector operated in Yogyakarta district. Based on purposive sampling method, total sample of this research is 200 SMEs. Statistical tool utilized to test the hypothesis in this study is path analysis using structural equation modelling (SEM). The test result shows that business experience and accounting information have positive and significant effect to the success of SMEs.

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