scholarly journals The impact of microfinance to borrowers. business, personal and financial status and the mediating role of service satisfaction: evidence from the Philippines

2021 ◽  
Author(s):  
Arneil Garcia Gabriel ◽  
Jeff B. Suyu ◽  
Jennifer G. Fronda ◽  
Vilma Ramos
Keyword(s):  
Quantitative Research ◽  
Small And Medium Enterprises ◽  
The Philippines ◽  
Small Scale ◽  
Microfinance Institutions ◽  
Quantitative Research Methods ◽  
Financial Status ◽  
Level Of Satisfaction ◽  
Microfinance Institution ◽  
The Impact

Abstract The backbone of the economy of a developing country like the Philippines is its small and medium enterprises relying on soft loans provided by microfinance institutions. To assess the level of satisfaction of microfinance borrowers on the services of microfinance institution and their services as well as its impact to the business, personal and financial status are necessary for the continued operation of this industry. The objective of this study is to measure the customer level of satisfaction of the services of a microfinance institution in the Philippines and determine its impacts on the customers’ small scale business. The study used a mixed of qualitative and quantitative research methods to gather data and analyze them. The study found that the micro finance institution is giving its borrowers quality services as manifested by a very satisfied rating to the four services provided. It was also described that the institution is positively bringing impact on its borrowers’ business, personal & financial status as manifested by a high and very high impact on the two variables. The study finally revealed that the profile of the customers has significant relationship with the level of satisfaction and impact to business of its borrowers while some areas of services have to be revisited to prevent customer dissatisfaction as there are signs showing low level of satisfaction.

scholarly journals The Impact of ICT on Service Sector’s Productivity and Employment in the Philippines

2022 ◽  
Vol 3 (2) ◽  
pp. 288-299
Author(s):  
Pauline Alaiza Mercado ◽  
Gia Ann Granadino ◽  
Elisha Mariz Pasco ◽  
Marie Antoinette Rosete
Keyword(s):  
Quantitative Research ◽  
Service Sector ◽  
Participation Rate ◽  
The Philippines ◽  
Labor Force Participation Rate ◽  
Quantitative Research Methods ◽  
Independent Variables ◽  
Relationship Of ◽  
The Impact ◽  
The Relationship

Various studies have been conducted among different countries to determine the relationship of ICT on productivity and employment, but the results vary among industries and firms. This research aims to examine the impact of ICT on the service sector productivity and employment in the Philippines through quantitative research methods. Findings on the relationship between ICT and Productivity show that all the independent variables have a linear relationship on the dependent variable while the findings on the relationship of ICT and Employment, only Labor Force Participation Rate shows a nonlinear relationship to the dependent variable. The researchers ought to impart knowledge about the opportunities and threats brought by ICT, which may guide the policymakers who formulate policies regarding the advancements brought by ICT.

Borrowers satisfaction evaluation from Microfinance institution by Using FCEM

2022 ◽  
Author(s):  
Yan Yunxian ◽  
Munawar Hassan ◽  
Shafqat Iqbal ◽  
Shahbaz Gul Hassan
Keyword(s):  
Poverty Reduction ◽  
Evaluation Method ◽  
Comprehensive Evaluation ◽  
Fuzzy Comprehensive Evaluation ◽  
Microfinance Institutions ◽  
Level Of Satisfaction ◽  
Degree Of Satisfaction ◽  
Microfinance Institution ◽  
The Government ◽  
The Impact

Abstract Boundless researchers have made efforts to assess the impact of Microfinance on poverty reduction both positively and negatively, but the perception of borrowers about the effectiveness of Microfinance has not been yet found. This study adopts the Fuzzy Comprehensive Evaluation Method (FCEM) in conjunction with the Analytical Hierarchy Process (AHP) to evaluate the level of satisfaction of borrowers with the products and services of microfinance institutions at different criterion levels. The goal is to assess the level of satisfaction for each criterion level under the degree of satisfaction of the borrower about the product and services provided by Microfinance Institution (MFI). Findings show that the claim of MFI was false because study evidence makes it clear that borrowers are not satisfied with the product and services of MFI. In addition to the literature, this study also highlighted the weakness of the MFI product and services. Thus, both the government and the MFIs can improve their performance and change their policies for the welfare of the borrowers.

The Impact of Entrepreneurial Behavior on Sales Volume

2017 ◽  
Vol 1 (1) ◽  
pp. 1-6
Author(s):  
Adjeng Tiara Eltari ◽  
Hendrati Dwi Mulyaningsih
Keyword(s):  
Quantitative Research ◽  
Coefficient Of Determination ◽  
Sales Volume ◽  
Entrepreneurial Behavior ◽  
Street Vendors ◽  
Quantitative Research Methods ◽  
Entrepreneurial Behaviour ◽  
Full Calculation ◽  
Almost All ◽  
The Impact

This research was conducted at the Culinary Hawkers that located on Highway Sukapura, Dayeuhkolot, Bandung. This study examines the Entrepreneurial behaviour which resulted in increased sales volumes. Almost all Culinary Hawkers on Highway Sukapura doesn’t yet have the entrepreneurial behavior in accordance with the characteristics - traits mentioned by Suryana, Confident, Own initiative, Have achievement motive, Having leadership, and Dare to take risks with the full calculation. The purpose of this study was to investigate the influence of entrepreneurial behavior to the merchant's sales volume culinary pavement on Highway Sukapura, Dayeuhkolot, Bandung.Researchers used quantitative research methods. The population in this study was 63 Merchants Culinary Street on Highway Sukapura. Samples are 63 street vendors in JalanSukapura. Data were analyzed using simple regression analysis.The results showed that entrepreneurial behavior affect the sales volume of culinary street traders in Highway Sukapura. Based on the calculation coefficient of determination (R2) can be seen the effect of entrepreneurial behavior variables (X) on sales volume (Y) is approximately 94%. While the remaining 6% are influenced by other factors such as competence, performance, and motivation.

scholarly journals The Impact of Brand Equity on Conversion Behavior in the Use of Personal Banking Services: Case Study of Commercial Banks in Vietnam

2021 ◽  
Vol 14 (8) ◽  
pp. 346
Author(s):  
Thi Thu Cuc Nguyen
Keyword(s):  
Brand Equity ◽  
Commercial Banks ◽  
Structural Equation ◽  
Quantitative Research ◽  
Negative Impact ◽  
Banking Services ◽  
Quantitative Research Methods ◽  
Two Factors ◽  
Customer Services ◽  
The Impact

The brand equity of banks plays a crucial role in determining customer behavior of using their services. The study aims to examine the impact of brand equity on conversion behavior in the use of personal banking services at commercial banks in Vietnam. The paper uses quantitative research methods, through linear SEM (Structural Equation Modelling) analysis, with survey data including 554 samples of individual customers of commercial banks. The study’s findings show that the bank’s brand equity has a negative impact on the behavior of individual customers. In the relationship between these two factors, competitive advertising effectiveness and loyalty of customers act as intermediary factors. On that basis, the study makes a number of recommendations to preclude customers leaving and minimize business losses caused by the conversion of customers’ banks. The findings of this study have shown the importance and impact of brand equity on conversion behavior in the use of personal customer services. These are meaningful contributions both theoretically and practically to help banks get a deeper insight into brand equity and the need to pay attention to building and developing sustainable brand equity for the bank, as well as an important basis for further research.

scholarly journals Creating Model of Sustainable Performance based Green Management System on The Small and Medium Enterprises

2020 ◽  
Vol 9 (3) ◽  
pp. 340-349
Author(s):  
Vini Wiratno Putri ◽  
Ketut Sudarma
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Small And Medium Enterprises ◽  
Numerical Data ◽  
Industrial Sector ◽  
Research Approach ◽  
Competitive Advantages ◽  
Green Management ◽  
Sustainability Performance ◽  
The Impact

The aims of this paper is to analyze the effect of the relationship between knowledge and on green management and its implication on competitive advantage and sustainable performannce. This study used a quantitative research approach that explains the phenomenon by collecting numerical data analyzed using structural equation modelling (SEM) with the WarpPLS program application. The population in this study were small or medium business owners (general managers) in the industrial sector in the city of Semarang. Knowledge and green management have a significant effect on competitive advantages and competitive advantages has a significant effect on the sustainability performance. It means that the knowledge and green management simultaneously shows a significant effect on competitive advantages and sustainability performance. The application of green management will also improve sustainability performance. The originality of this study is on the testing of simultaneous relationships between the factors making up the application of green management, namely knowledge as well as the impact of green management implementation on sustainability performance.

scholarly journals A Study on the Sustainability of Microfinance Institutions in Serving the Low-Income Group in Malaysia

2021 ◽  
Vol 8 (Special Issue) ◽  
pp. 339-353
Author(s):  
Nur Harena Redzuan ◽  
Amir Abidin Bashir
Keyword(s):  
Low Income ◽  
Income Group ◽  
Small Scale ◽  
Microfinance Institutions ◽  
Poverty Eradication ◽  
The People ◽  
Start Up ◽  
Low Income Groups ◽  
The Government ◽  
The Impact

A microfinance scheme was introduced in Malaysia in the year 1987 as one of the alternatives to poverty eradication strategies in the country by the government. Since then, several institutions have created to carry out the agenda of providing small loans to the low-income group to start up their small-scale business to generate more sources of income to support their household consumption. However, for a certain reason, the people still do not find microfinance an important tool to uplift their economic positions. Most of the low-income groups are still unaware of this golden opportunity tailored for them. Besides, the sustainability of these subsidized microfinance systems implemented by Malaysia had not been appropriately studied. This study explores the attractiveness of the products offered by microfinance institutions and emphasizes the option that the participants must start utilizing the product. This research also explores microfinance facilities that contain conventional finance element which is prohibited in Islamic trade. The study also discusses the measures and actions taken by microfinance institutions in serving the low-income group in Malaysia. This paper employs a qualitative method through interviews and content analysis. The report, journal publications, and other related documents were also analyzed in achieving the objectives. The study provides the impact that it may pave the way to an indistinct understanding of how Islamic microfinance institutions sustain their operations.

scholarly journals Evolution Regularity Mining and Gating Control Method of Urban Recurrent Traffic Congestion: A Literature Review

2020 ◽  
Vol 2020 ◽  
pp. 1-13 ◽  
Author(s):  
Changxi Ma ◽  
Jibiao Zhou ◽  
Xuecai (Daniel) Xu ◽  
Jin Xu
Keyword(s):  
Traffic Congestion ◽  
Quantitative Research ◽  
Control Method ◽  
Time Correlation ◽  
Small Scale ◽  
Trend Prediction ◽  
Quantitative Research Methods ◽  
The Status ◽  
Evolution Trend

To understand the status quo of urban recurrent traffic congestion, the current results of recurrent traffic congestion, and gating control are reviewed from three aspects: traffic congestion identification, evolution trend prediction, and urban road network gating control. Three aspects of current research are highlighted: (a) The majority of current studies are based on statistical analyses of historical data, while congestion identification is performed by acquiring small-scale traffic parameters. Thus, congestion studies on the urban global roadway network are lacking. Situation identification and the failure to effectively warn or even avoid traffic congestion before congestion forms are not addressed; (b) correlation studies on urban roadway network congestion are inadequate, especially regarding deep learning, and considering the space-time correlation for congestion evolution trend prediction; and (c) quantitative research methods, dynamic determination of gating control areas, and effective countermeasures to eliminate traffic congestion are lacking. Regarding the shortcomings of current studies, six research directions that can be further explored in the future are presented.

An examination of strategies under the financial tsunami

2010 ◽  
Vol 110 (9) ◽  
pp. 1319-1336 ◽  
Author(s):  
G.T.S. Ho ◽  
K.L. Choy ◽  
S.H. Chung ◽  
C.H.Y. Lam
Keyword(s):  
Hong Kong ◽  
Global Economy ◽  
Quantitative Research ◽  
Business Performance ◽  
Small And Medium Enterprises ◽  
Business Environment ◽  
Content Type ◽  
Corporate Strategies ◽  
Medium Enterprises ◽  
The Impact

PurposeThe purpose of this paper is to identify the factors, such as the different strategies adopted and the size of the company, that have a significant determining impact on the financial performance of companies in extreme circumstances.Design/methodology/approachThe research target of this paper is the small and medium enterprises (SMEs) in Hong Kong. This is quantitative research and it is done on a survey basis, which includes hypothesis setting and statistical analysis. In addition, constructive suggestions are given to companies after analyzing the current situation.FindingsIn total, ten factors from four dimensions are determined as the critical strategies for the company to adopt in an uncertain financial situation. The result shows the influence of different factors on return on investment for the companies with different backgrounds.Practical implicationsThe business environment today is full of turbulence and uncertainties; this, along with the fierce global competition, means that manufacturers are all struggling to survive. The financial tsunami that has swept across the global economy is believed to be the most catastrophic in living memory. Therefore, this research will be especially valuable and useful to companies which wish to achieve excellence in business performance in spite of such a global disaster.Originality/valueManufacturers worldwide have suffered badly from the impact of the financial tsunami. The SMEs in Hong Kong are certainly not an exception. However, under the same adverse conditions, some have been able to maintain their stability or even thrive. The findings suggest some specific corporate strategies which will enable companies to survive and remain competitive.

IMPAK PERISIAN IM-SMARTSAFETY TERHADAP PEKERJA ASING DALAM INDUSTRI PEMBINAAN

2015 ◽  
Vol 77 (4) ◽  
Author(s):  
Nurul Azita Salleh ◽  
Mohd Nasrun Mohd Nawi ◽  
Norazah Mohd Nordin ◽  
Abdul Khalim Abdul Rashid
Keyword(s):  
Quantitative Research ◽  
Occupational Safety ◽  
Health And Safety ◽  
Foreign Workers ◽  
Construction Sites ◽  
Quantitative Research Methods ◽  
Teaching Aids ◽  
Safety Regulations ◽  
Safety Belts ◽  
The Impact

This paper focuses on the discussion of the impact of IM-SmartSAFETY courseware on foreign workers in the construction industry. This courseware was developed as an alternative media of information delivery in bilingual multimedia and two directional teaching aids for foreign workers in Health and Safety Induction Course (HSIC). The study discovered that the IM-SmartSAFETY courseware have contributed a great impact and meets the needs of the foreign workers on construction sites as well as one of the mechanism to help tackle the language problem. The study was conducted quantitative research methods supported by qualitative research is found a parallel in terms of data acquisition which is seen IM-SmartSAFETY courseware has helped meet the needs of foreign workers regarding personal protective equipment (PPE) in terms of knowledge about the types and uses of PPE, safety regulations related to PPE, proper wear of PPE and the effect of the proper usage of PPE which include safety helmets, safety boots, protective clothing or safety jackets, ear protection, eye and face protection, safety belts, protective glove and protective breathing after using the courseware. The findings also exhibits that the overall of helpfulness of courseware also found that language issues have been resolved. In fact, the acquisition of knowledge foreign workers on safety at construction sites and the way of delivery information by the trainers to foreign workers have been enhanced while reducing the rate of accidents on construction sites and increase foreign workers awareness about the hazard and improve occupational safety of foreign workers in Malaysia.

scholarly journals Does Regulation Influence Microfinance Institutions to Be More Client-Responsive?

2020 ◽  
Vol 8 (4) ◽  
pp. 63
Author(s):  
Zakir Morshed ◽  
Mohshin Habib ◽  
Christine Jubb
Keyword(s):  
Financial Literacy ◽  
Fixed Effects ◽  
Positive Association ◽  
Regulatory Regime ◽  
Microfinance Institutions ◽  
Protection Measures ◽  
Financial Status ◽  
Key Issues ◽  
Financial Awareness ◽  
The Impact

The regulation of microfinance services is likely to have a wide-ranging influence on the microfinance sector, particularly on institutions and their clients. This paper reveals the impact of a specific regulatory regime, the “Microcredit Regulatory Authority Act, 2006”, enacted by the Bangladesh government to monitor and supervise nonprofit nongovernment organizations (NGOs). We analyzed survey and interview data provided by clients of both nonprofit microfinance institutions (MFIs) registered under the Act and nonprofit institutions that are unregistered, all lending only to women. Client-level analysis using fixed effects for specific MFI membership is applied, focusing on the role of regulation by comparing protections as consumers of financial intermediations in terms of financial literacy, awareness, and status of clients of registered and unregistered MFIs. We found compelling evidence of a positive association between the financial status, financial literacy, and financial awareness of clients of registered MFIs, but not unregistered MFIs. These findings support the need for MFIs to implement consumer protection measures and inform their consumers about key issues to achieve improved client outcomes.

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