P2P lending adoption by SMEs in Indonesia

2019 ◽  
Vol 11 (2) ◽  
pp. 260-279 ◽  
Author(s):  
Monica Rosavina ◽  
Raden Aswin Rahadi ◽  
Mandra Lazuardi Kitri ◽  
Shimaditya Nuraeni ◽  
Lidia Mayangsari
Keyword(s):  
Interest Rates ◽  
Structured Interview ◽  
Profit Sharing ◽  
Future Research ◽  
Creative Economy ◽  
Content Type ◽  
Factors Affecting ◽  
Creative City ◽  
Payment Schemes ◽  
P2p Lending

Purpose This study aims to examine the adoption of peer-to-peer (P2P) lending platforms to determine the factors that encourage SMEs to use P2P lending platforms in obtaining loans. Design/methodology/approach A sample of ten SMEs from a variety of backgrounds was taken in Bandung, Indonesia. Bandung has been awarded the title of “creative city” by UNESCO, as the city allows for the development of the creative economy. This research used a semi-structured interview. Coding method was then used for content analysis to establish which factors emerging from the interview were leading respondents to obtain a loan through the P2P lending platform. Findings The findings imply that loan processes, interest rates, loan costs, loan amounts and loan flexibility affect SMEs in obtaining a loan through P2P lending. Moreover, alternative payment schemes in the form of Sharia-based lending and profit-sharing schemes were found. These findings constituted the original findings of this study. Research limitations/implications The study offers findings on factors affecting SMEs in using the P2P lending platform as a form of alternative financing. Moreover, the theoretical framework provided can be used as literature in future research. As this study was conducted in Bandung, Indonesia, the findings may not be generalisable to other regions. Originality/value This study is one of the few studies that discusses P2P lending in Indonesia as the concept has been in practice only since 2015.

Factors affecting the development of e-government using a citizen-centric approach

2015 ◽  
Vol 6 (3) ◽  
pp. 206-222 ◽  
Author(s):  
Kanda Sorn-in ◽  
Kulthida Tuamsuk ◽  
Wasu Chaopanon
Keyword(s):  
Quantitative Research ◽  
Service Providers ◽  
Structured Interview ◽  
Government Agencies ◽  
Content Type ◽  
Factors Affecting ◽  
Government Services ◽  
Government Sector ◽  
The Government

Purpose – The purpose of this paper is to study the factors affecting the development of e-government by using a citizen-centric approach. Design/methodology/approach – This paper is a mixed-methods study consisting of qualitative and quantitative research. Data were collected from government agencies using a structured interview and questionnaire about e-government services. The research was collected from the people responsible for the management of an e-government project in 75 government agencies. In addition, the researcher collected data from 1,400 citizens by using an e-Survey questionnaire that grouped participants by age. Findings – By using a citizen-centric approach, the paper identified the factors affecting the development of e-government. There were five factors from the viewpoint of government agencies and citizen groups: quality of e-government services, policy and governance, information technology infrastructure, organization and economy and society. Research limitations/implications – The research covered the development patterns of e-government for services from government to citizens only. Practical implications – Seeing the importance of environmental factors for both service providers and service users would facilitate continuous improvement of e-government service provision by government agencies. Social implications – The results reflect citizens’ need for e-government services; quality is their priority. Hence, government agencies must consider the quality of the delivery of information and e-government services as they relate to the lifestyles and needs of citizens. Originality/value – The creation of knowledge from merging e-government concepts with citizen-centric principles is a modern government sector management theory. This research stresses the need for the government sector to see the need for e-government and to recognize the factors for its successful development. This means the design and development of e-government services should respond to the increasing needs of the citizens.

Towards Chinese smart manufacturing ecosystem in the context of the one belt one road initiative

2018 ◽  
Vol 11 (3) ◽  
pp. 291-310 ◽  
Author(s):  
Rafif Al-Sayed ◽  
Jianhua Yang
Keyword(s):  
Industrial Revolution ◽  
Structured Interview ◽  
Industrial Clusters ◽  
Added Value ◽  
Smart Manufacturing ◽  
Content Type ◽  
Factors Affecting ◽  
Industrial Sectors ◽  
Regional Collaboration

Purpose The purpose of this paper is to examine empirically China’s determined thrust to attain a high level of technological innovation and the factors affecting moving towards a smart and sophisticated manufacturing ecosystem in conjunction with the Belt and Road Initiative (OBOR). Design/methodology/approach This research provides empirical determination of the factors affecting moving towards smart manufacturing ecosystems in China. The method is based on combining two approaches: semi-structured interview and questionnaire-based with academics, experts and managers in various Chinese industrial sectors. The results are based on the multivariate analysis of the collected data. A case study of the current manufacturing ecosystem was also analyzed, in order to understand the present state as well as the potential for China’s competitive edge in the developed OBOR countries. Findings The results illustrate the importance of the infrastructure dimension comprising variables related to ecosystems, industrial clusters and Internet of Things IoT and other advanced technologies. A case study of the city of Shenzhen’s transformation into a smart cluster for innovative manufacturing points out how China’s OBOR initiative for regional collaboration will further transform the regional smart clusters into an ultra-large innovation based smart ecosystem. Originality/value This research is the first to study China’ policies towards playing a prominent role in the Fourth Industrial Revolution 4IR in the context of the OBOR initiative, through empirically defining the factors affecting moving towards a knowledge-intensive smart manufacturing ecosystem where the added value is mostly innovation based.

Metrics development and modelling the mixed reality and digital twin adoption in the context of Industry 4.0

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samad M.E. Sepasgozar ◽  
Mohsen Ghobadi ◽  
Sara Shirowzhan ◽  
David J. Edwards ◽  
Elham Delzendeh
Keyword(s):  
Technology Acceptance ◽  
Mixed Reality ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Key Factors ◽  
Content Type ◽  
Factors Affecting ◽  
Digital Twin ◽  
Acceptance Model

PurposeThis paper aims to examine the current technology acceptance model (TAM) in the field of mixed reality and digital twin (MRDT) and identify key factors affecting users' intentions to use MRDT. The factors are used as a set of key metrics for proposing a predictive model for virtual, augmented and mixed reality (MR) acceptance by users. This model is called the extended TAM for MRDT adoption in the architecture, engineering, construction and operations (AECO) industry.Design/methodology/approachAn interpretivist philosophical lens was adopted to conduct an inductive systematic and bibliographical analysis of secondary data contained within published journal articles that focused upon MRDT acceptance modelling. The preferred reporting items for systematic reviews and meta-analyses (PRISMA) approach to meta-analysis were adopted to ensure all key investigations were included in the final database set. Quantity indicators such as path coefficients, factor ranking, Cronbach’s alpha (a) and chi-square (b) test, coupled with content analysis, were used for examining the database constructed. The database included journal papers from 2010 to 2020.FindingsThe extant literature revealed that the most commonly used constructs of the MRDT–TAM included: subjective norm; social influence; perceived ease of use (PEOU); perceived security; perceived enjoyment; satisfaction; perceived usefulness (PU); attitude; and behavioural intention (BI). Using these identified constructs, the general extended TAM for MRDT in the AECO industry is developed. Other important factors such as “perceived immersion” could be added to the obtained model.Research limitations/implicationsThe decision to utilise a new technology is difficult and high risk in the construction project context, due to the complexity of MRDT technologies and dynamic construction environment. The outcome of the decision may affect employee performance, project productivity and on-site safety. The extended acceptance model offers a set of factors that assist managers or practitioners in making effective decisions for utilising any type of MRDT technology.Practical implicationsSeveral constraints are apparent due to the limited investigation of MRDT evaluation matrices and empirical studies. For example, the research only covers technologies which have been reported in the literature, relating to virtual reality (VR), augmented reality (AR), MR, DT and sensors, so newer technologies may not be included. Moreover, the review process could span a longer time period and thus embrace a fuller spectrum of technology development in these different areas.Originality/valueThe research provides a theoretical model for measuring and evaluating MRDT acceptance at the individual level in the AECO context and signposts future research related to MRDT adoption in the AECO industry, as well as providing managerial guidance for progressive AECO professionals who seek to expand their use of MRDT in the Fourth Industrial Revolution (4IR). A set of key factors affecting MRDT acceptance is identified which will help innovators to improve their technology to achieve a wider acceptance.

The emerging role of coopetition within inter-firm relationships

2019 ◽  
Vol 30 (2) ◽  
pp. 414-437 ◽  
Author(s):  
Zach Zacharia ◽  
Michael Plasch ◽  
Usha Mohan ◽  
Markus Gerschberger
Keyword(s):  
Resource Dependence ◽  
Empirical Support ◽  
Resource Dependence Theory ◽  
Structured Interview ◽  
Future Research ◽  
Multiple Perspectives ◽  
Content Type ◽  
Capital Costs ◽  
Interview Process ◽  
A Value

Purpose Increasing environmental uncertainty, more demanding customers, rapid technological growth and rising capital costs have all forced firms to evolve from collaborating with buyers and suppliers to collaborating with their competitors and that is called coopetition. The purpose of this paper is to better understand the antecedents and outcomes associated with coopetition. Design/methodology/approach Building from the existing literature and three theoretical foundations, resource-based theory, resource dependence theory and game theory, the authors develop a model showing the antecedents and outcomes of coopetition and associated propositions of coopetition. Using a semi-structured interview process of 21 industry executives, the authors offer empirical support for the proposed coopetition model and propositions. Findings Firms are increasingly dependent on the knowledge and expertise in external organizations to innovate, solve problems and improve supply chain performance. This research suggests that there is a value for firms to consider coopetition as a part of their inter-firm strategies. Research limitations/implications The semi-structured interview process used in this research provided a wealth of information and executive experiences in coopetition. The interviews, however, only provide a single perspective of collaborative engagements with competitors. Multiple perspectives of each project would add value to this research. Originality/value Collaboration among buyers and suppliers have been well researched; however, there has not been as much research on coopetition. This research provides a new area for future research for academics and offers suggestions for managers to improve the effectiveness and efficiency of their coopetition projects.

scholarly journals Is there a bubble in the Swedish housing market?

2019 ◽  
Vol 12 (1) ◽  
pp. 32-61 ◽  
Author(s):  
Maher Asal
Keyword(s):  
Interest Rates ◽  
Housing Market ◽  
House Prices ◽  
Test Procedure ◽  
Unit Root Test ◽  
Housing Price ◽  
User Cost ◽  
Return To Equilibrium ◽  
Content Type ◽  
Factors Affecting

Purpose This paper aims to investigate the presence of a housing bubble using Swedish data from 1986Q1-2016Q4 by using various methods. Design/methodology/approach First, the authors use affordability indicators and asset-pricing approaches, including the price-to-income ratio, price-to-rent ratio and user cost, supplemented by a qualitative discussion of other factors affecting house prices. Second, the authors use cointegration techniques to compute the fundamental (or long-run) price, which is then compared with the actual price to test the degree of Sweden’s housing price bubble during the studied period. Third, they apply the univariate right-tailed unit root test procedure to capture bursting bubbles and to date-stamp bubbles. Findings The authors find evidence for rational housing bubbles with explosive behavioral components beginning in 2004. These bubbles do not continuously diverge but instead periodically revert to their fundamental value. However, the deviation is persistent, and without any policy correction, it takes decades for real house prices to return to equilibrium. Originality/value The policy implication is that monetary policy designed to contain mortgage demand and thereby prevent burst episodes in the housing market must address external imbalances, as revealed in real exchange rate undervaluation. It is unlikely that current policies will stop the rise of house prices, as the growth of mortgage credit, improvement in Sweden’s international competitiveness and the path of interest rates are much more important factors.

scholarly journals Elaborating factors affecting visual control in a big room

2019 ◽  
Vol 19 (1) ◽  
pp. 34-47
Author(s):  
Jukka Majava ◽  
Harri Haapasalo ◽  
Kirsi Aaltonen
Keyword(s):  
Project Management ◽  
Construction Industry ◽  
Single Case ◽  
Management Strategies ◽  
Holistic Approach ◽  
Visual Control ◽  
Future Research ◽  
Content Type ◽  
Factors Affecting ◽  
And Control

Purpose The “big room” concept and lean philosophy have become increasingly popular in the construction industry. Visual control is a central part of lean philosophy and the big room concept; its aim is to improve information flow, joint problem-solving and real-time decision-making. Visual control facilitates effective project management by providing information on what work is performed and why, customer requirements, deadlines, work status and potential problems. This study aims to explore how visualisation supports project management and control in a big room and the factors that facilitate good visual control. Design/methodology/approach This research is based on the case study method, and the objective is to elaborate the current understanding of factors that affect visual control. The study includes a literature review and an empirical study of a large construction project. Findings The results indicate that many factors facilitate visual control. Despite the importance of facilities and tools, communication and teamwork are identified as the key factors. On a broader level, the results indicate a need for a holistic approach in developing visual management strategies and practices in the construction industry and in complex projects in particular. Research limitations/implications A single case may not be able to offer a generalised picture of this complex topic. However, the study provides novel insights for practitioners and researchers interested in the development of visual control and big rooms. Future research topics are also proposed. Originality/value While previous studies have identified many elements of successful big room implementation – including integration and early involvement, information sharing, tools and facilities – this study focusses specifically on the factors that facilitate visual control.

Can Bahraini patients accept e-health systems?

2019 ◽  
Vol 32 (4) ◽  
pp. 720-730 ◽  
Author(s):  
Ali Zolait ◽  
Nadeen Radhi ◽  
Muna Moahmmed Alhowaishi ◽  
Veera Pandiyan Kaliani Sundram ◽  
Lulwa Mohammed Aldoseri
Keyword(s):  
Health System ◽  
Technology Acceptance ◽  
Reasoned Action ◽  
Structured Interview ◽  
Content Type ◽  
Factors Affecting ◽  
Tam Model ◽  
Acceptance Model ◽  
Self Administered Questionnaire ◽  
Practical Implications

Purpose The purpose of this paper is to examine whether Bahraini individuals accept e-health system and the prominent factors affecting e-health system adoption in Bahrain. Design/methodology/approach The authors adopted a quantitative and qualitative approach, i.e., a self-administered questionnaire, unstructured and a semi-structured interview, which were used to collect the data. A questionnaire was distributed to Bahraini residents selected randomly. The framework was based on the technology acceptance model (TAM) and theory of reasoned action (TRA). Important variables from both the TAM model and TRA theory were extracted and jointly used to build the research model. Findings The findings indicated that the most factors affecting e-health adoption are trust, health literacy and attitude. Additionally, people in the private and government sectors understand e-health benefits. Practical implications If healthcare professionals understand the factors affecting e-health system adoption from an individual and organisational perspective, then nurses, pharmacists and others will be more conscious about e-health and its adoption status. Originality/value E-health system adoption has become increasingly important to governments, individuals, and researchers in recent years. A novel research framework, based on TAM and TRA, was used to produce a new integrated model.

Factors affecting Chinese farmers’ microcredit participation

2019 ◽  
Vol 79 (1) ◽  
pp. 48-59 ◽  
Author(s):  
Ming Qin ◽  
Cheryl Joy Wachenheim ◽  
Zhigang Wang ◽  
Shi Zheng
Keyword(s):  
Interest Rates ◽  
Group Membership ◽  
Group Identification ◽  
Northern China ◽  
Family Characteristics ◽  
Content Type ◽  
Heckman Model ◽  
Factors Affecting ◽  
Financial Exclusion ◽  
Loan Approval

Purpose The purpose of this paper is to investigate factors affecting use of microcredit among farmers in Northern China. Design/methodology/approach A two-stage Heckman model is used to estimate the effect of farmer and family characteristics and loan and lending environment on likelihood of farmer participation in microcredit and the value of loans taken. Data from 342 first-hand observations in Northern China were used. Findings Social capital, production cost, non-labor family members, income, guarantee group membership, village head loan guarantee, and messenger use were found to increase use of microcredit. The same factors were found to affect the value of loans among participating farmers except a guarantor requirement for the loan replaces membership in a guarantee group. Practical implications Results support that there is demand for microcredit among farmers and that they are willing to take steps to obtain it including seeking membership in a household guarantee group. Identification of faced constraints facilitates understanding of supply-side efforts with potential to decrease financial exclusion with a focus on external-to-market intervention. Originality/value Pivotal findings are the importance of guarantee group membership for loan approval and that this requirement hinders farmers’ ability to obtain credit. Three alternatives are suggested to overcome this constraint including excluding low-risk borrowers from a group guarantee requirement; charging higher interest rates on high risk loans not supported by a guarantee; and development of insurance options to replace the guarantee.

Context matters: enablers and barriers to knowledge sharing in Australian public sector ICT projects

2020 ◽  
Vol 24 (8) ◽  
pp. 1921-1941
Author(s):  
Yakub Karagoz ◽  
Naomi Whiteside ◽  
Axel Korthaus
Keyword(s):  
Public Sector ◽  
Knowledge Sharing ◽  
Single Case ◽  
Structured Interview ◽  
Current Theory ◽  
Future Research ◽  
Content Type ◽  
The Public ◽  
Project Environment ◽  
Starting Point

Purpose This paper aims to extend the theory relating to knowledge sharing barriers and enablers in the public sector information and communication technology (ICT) project context. Design/methodology/approach A case study method was used whereby project managers from each of the seven departments of the Victorian Public Sector in Australia were interviewed about their knowledge sharing practice. A semi-structured interview instrument based on Riege’s (2005) barrier framework was used to explore the barriers to knowledge sharing that they experienced as part of their work. Findings The study found that many of Riege’s (2005) barriers did not apply in the public sector ICT project environment, demonstrating that context matters. In addition, five enablers were identified, resulting in a new model of enablers and barriers to knowledge sharing in public sector ICT projects. Research limitations/implications This study focuses on a single case, the Victorian Public Sector, and consequently the results are not generalisable. Future research should explore the applicability of the model in other public sector ICT project contexts. Practical implications The study highlights the relationship between knowledge sharing and the project manager and the role it plays in project delivery. The model presented provides a starting point for public sector practitioners to develop their knowledge sharing practice, potentially enhancing project outcomes in the process. Originality/value This study examines barriers to knowledge sharing in an under-researched context, that of the public sector ICT project environment. It builds on current theory and provides insights for practitioners in the public sector.

Representing women? Leadership roles and women in Canadian broadcast news

2016 ◽  
Vol 31 (5/6) ◽  
pp. 374-395 ◽  
Author(s):  
Wendy Cukier ◽  
Samantha Jackson ◽  
Mohamed A. Elmi ◽  
Erin Roach ◽  
Darren Cyr
Keyword(s):  
Ecological Model ◽  
News Coverage ◽  
Future Research ◽  
Broadcast News ◽  
Substantive Representation ◽  
Content Type ◽  
Factors Affecting ◽  
Broadcast Media ◽  
Representation Of Women ◽  
The Way

Purpose The purpose of this paper is to examine the representation of women in Canadian broadcast news coverage, exploring the notion of substantive representation as it relates to gender, leadership and framing. Design/methodology/approach Using computer-aided text analysis software, the authors analyzed the frequency of women appearing in on-air roles, the way in which they are framed, as well as technical and expressive details, such as how they are featured. In total, the authors analyzed representation of 2,031 individuals in the four suppertime local news broadcasts from 6 p.m. to 7 p.m. Framed in an ecological model of complex social change, this paper focuses on understanding how women are presented in Canadian broadcast media. Findings This study finds that women are under-represented in Canadian broadcast media. Furthermore, it finds that women are less likely to be framed as leaders or experts and are less likely to hold news host or anchor positions. For all major news broadcasters analyzed, women are less likely to be portrayed positively or in leadership/expert positions and are more often represented as victims. They are less likely to appear on screen and are more likely to be referred to off-screen, paraphrased and cited rather than speaking for themselves. Research limitations/implications By framing this study in an (critical) ecological, this study moved beyond required descriptive benchmarking to examine the degree of substantive representation of women. However, the sample of the study is only a snapshot of Canada’s largest city, and, therefore, more research involving further a comparative analysis of cities, a variety of print sources and online media outlets is needed. Future research might include more qualitative analysis of the representation, the type of representation and the factors affecting levels of representation. For example, such research might explore the practices in broadcast organizations, the way in which stories are framed and how guests selected. Also of interest is the relationship between women’s representation at the decision-making table, as an input, and the representation of women in on-air roles, as an outcome. Practical implications The implications of this article are important for understanding the complex factors affecting female leadership across sectors, particularly, the Canadian broadcast industry, the barriers they face and the strategies that may lead to their advancement. Originality/value This study moved beyond descriptive benchmarking to examine the degree of substantive representation of women by coding the frames, roles and means of quotation experienced by women on broadcast news.

Sign in / Sign up

Export Citation Format

Share Document