Hubungan antara Bank umum dan Microfinance dalam Alokasi Kredit pada Usaha Mikro, Kecil dan Menengah (UMKM)

2008 ◽  
Vol 3 (2) ◽  
pp. 109
Author(s):  
Christian Herdinata
Keyword(s):  
Commercial Bank ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
Relationship Of ◽  
The Relationship ◽  
Banking Economics

Small Medium Enterprises (sl"frg always complain about the rigidity of entrance (accessibility) of *ternal funds especially from banking. Economics rqtort of Indonesia done by the Indonesia Bonk noted thot the LDR ratio of the commercial banb in the yem of 2007 showed that the number was for under 100%, i.e. 69.2%o, while the rotio of LDR of BPRwas more than t00ok, i.e. 109.73%. Thisfact aplained that the publicfund mustered by the commercial bank sfill remained to be able to be channeled in credit, while BpR has gone beyondfunds which ought to be channeled in theform of credit. This indiccted that itfailed in allocation of credit. Therefore, this research, which was based on critical revievrt of literature and idea, indicoted that the business scale determined the pattem of the relationship of microfinance otd thefunction of intermediation *periences failed in fficiently *ecuting allocation of credit.  Therefore, constructing a relatiowhip between the commercial bank and mierofinance and sMEs was badly needed, not to irwite a.rymmetries ofinformafion but to effrcient$t allocate the credit.Keywords: Small Medium Enterprises (SMEs), allocation of credit, ratio of LDR

Family Business in the Middle East: An Eexploratory Study of Retail Management in Kuwait and Lebanon

2006 ◽  
Vol 19 (1) ◽  
pp. 29-48 ◽  
Author(s):  
Dianne H. B. Welsh ◽  
Peter Raven
Keyword(s):  
Middle East ◽  
Customer Service ◽  
Family Business ◽  
Employee Perceptions ◽  
The Family ◽  
The World ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Relationship

The Middle East is a growing, lucrative marketplace that has recently captured the interest of the world for political as well as economic reasons due to the War in Iraq, which began in 2003. This exploratory study examines the relationship between retail small/medium enterprises (SMEs) that are family business owned, organizational commitment, and management and employee perceptions of customer service on a number of dimensions. The results suggest that managers and employees of family-owned businesses in the Middle East behave in ways similar to those in Western countries; however, there are differences, probably related to cultural characteristics. The Middle East is a richly diverse region, a myriad of unique cultures. As the market becomes more sophisticated, the importance of service quality increases. Global retailers can benefit from this study by better understanding the managers and employees in the region and the pivotal role of the family on business. Implications for practice are discussed.

How small-medium enterprises leverage intangibles during recessions. Evidence from the Italian clothing industry

2014 ◽  
Vol 52 (8) ◽  
pp. 1491-1515 ◽  
Author(s):  
Marco Cucculelli ◽  
Cristina Bettinelli ◽  
Angelo Renoldi
Keyword(s):  
Business Model ◽  
Market Share ◽  
Business Models ◽  
Additional Data ◽  
Data Set ◽  
Content Type ◽  
Contingent Factor ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Relationship

Purpose – The purpose of this paper is to focus on how investments in research and development (R&D) and advertising affect the performance of small- and medium-sized enterprises (SMEs) during recessions. Design/methodology/approach – Contingency theory is applied to a data set of 376 Italian clothing SMEs during the period 2000-2010 to test whether investment in R&D and advertising impacts financial performance differently when contingent factors (such as market share, financial leverage and business model change) are taken into account. Findings – Empirical results confirm that market share and leverage moderate the effects of investments in R&D and advertising (i.e. intangibles) on performance, and also that changes in business models are an important contingent factor that explains performance. Specifically, the paper ascertains that a novelty-centered business model, together with investments in intangibles, positively affects performance during recessions. Originality/value – This study offers an input to the debate on how SMEs develop and sustain their competitive advantage during the recession. It contributes to existent theory by showing whether and how contingencies, such as a firm's market share and leverage, moderate the relationship between performance and investments in R&D and advertising in SMEs. Second, it addresses the call for additional data “about the strategic effects of business models and how they influence the positioning of firms in their competitive environment” (Amit and Zott, 2008, p. 20) by introducing business model change/innovation as a new contingency factor and by empirically testing its effects on “objective measures of firm performance” (Bock et al., 2012, p. 301).

scholarly journals Acquiring International Knowledge and Experience: Internationalization of Small and Medium Enterprises (SMEs)

2011 ◽  
Author(s):  
Shankar CHELLIAH ◽  
Mohamed Zain Sulaiman
Keyword(s):  
Firm Size ◽  
Small And Medium Enterprises ◽  
Northern Region ◽  
Policy Makers ◽  
Firm Internationalization ◽  
International Knowledge ◽  
Medium Enterprises ◽  
Relationship Of ◽  
The Relationship ◽  
Different Levels

Purpose – This paper intends to understand the importance of acquiring international knowledge and experience and its relationship in the internationalization of Small and Medium Enterprises (SMEs) in the Malaysian context. Within this scope, this study sets out to further the discussion by comparing the global orientation of SMEs in Malaysia with their different levels of firm size. In a nutshell, the study further understands the moderating effect of firm size between the relationship of international knowledge and experience, and internationalization of SMEs.   Design/Methodology/Approach – The study is based on literature review in the areas of SMEs internationalization, international knowledge and experience, and the firm size. The data was collected using a survey instrument among 300 internationalized enterprises located in the northern region of Malaysia.   Findings – The results suggest that those firms that acquire international knowledge and experience have no significant relationship with firm internationalization. However, when firm size is used as a moderating factor, acquiring international knowledge and experience shows some importance for internationalization of firms. Interestingly, international knowledge and experience are important for relatively smaller firms. In other words, firm size is significant when relatively smaller SMEs acquire international knowledge and experience. It poses some implications for managers and policy makers.   Originality/Value – This study explores the use of the index of internationalization to measure the internationalization of SMEs in Malaysia.   Keywords: International knowledge and experience, index of internationalization, firm size.

scholarly journals Determinan Profitabilitas Dengan Ukuran Perusahaan Sebagai Variabel Moderasi Pada Bank Umum Syariah

2020 ◽  
Vol 1 (1) ◽  
pp. 14
Author(s):  
Aida Maudi ◽  
Amrizal Amrizal ◽  
Rizky Maulana Pribadi ◽  
Silvi Reni Cusyana
Keyword(s):  
Corporate Governance ◽  
Corporate Social Responsibility ◽  
Commercial Bank ◽  
Sampling Technique ◽  
Financial Statements ◽  
Company Size ◽  
Good Corporate Governance ◽  
Corporate Social ◽  
Relationship Of ◽  
The Relationship

This research is to empirically examine the effect of corporate social responsibility (CSR), good corporate governance (GCG), and zakat on profitability with company size being a moderating variable. The sample was selected utilizing a purposive sampling technique using 35 samples obtained from the Sharia Commercial Bank financial statements for the 2012-2018 periods. These results prove that CSR and zakat also have a significant effect on profitability, besides CSR cannot affect profitability. Company size can moderate the relationship between CSR and GCG with profitability, While the size of the company weakens the relationship of zakat with profitability.

Ownership Structure and Tax Avoidance: Evidence from Indian SMEs

2020 ◽  
Vol 23 (02) ◽  
pp. 2050012
Author(s):  
Omar Farooq ◽  
Angie Abdel Zaher
Keyword(s):  
Ownership Structure ◽  
Institutional Environment ◽  
Tax Avoidance ◽  
Negative Association ◽  
Ownership Concentration ◽  
Concentrated Ownership ◽  
Enterprise Surveys ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Relationship

The paper examines the relationship between ownership concentrations and tax avoidance for small–medium enterprises (SMEs) in India. With a panel dataset built from small- and medium-sized enterprise surveys over the period between 2013 and 2014, we find that SMEs with concentrated ownership have a negative association with tax avoidance. The result is more pronounced for SMEs headquartered in states/provinces with stronger economic and institutional environment. The results also indicate that for any two SMEs with similar levels of ownership concentration, the SME with higher capital needs is more likely to avoid taxes.

scholarly journals Determinants of Microfinance Repayment Performance: Evidence from Small Medium Enterprises in Malaysia

2015 ◽  
Vol 7 (11) ◽  
pp. 110 ◽  
Author(s):  
L. Shu-Teng ◽  
M. A. Zariyawati ◽  
M. Suraya-Hanim ◽  
M. N. Annuar
Keyword(s):  
Commercial Bank ◽  
Financial Institutions ◽  
Significant Relationship ◽  
Educational Level ◽  
Loan Repayment ◽  
The Poor ◽  
Start Up ◽  
Default Rate ◽  
Small Medium Enterprises ◽  
Medium Enterprises

<p>Microfinance was introduced in Malaysia to provide financing services to the poor and Small Medium Enterprises (SME) to start up business. The borrower may use the facility to finance business activities such as to purchase assets and additional capital to expand their business. Microfinance helps SME that have limited access to get loan from financial institutions. Financial institutions specifically commercial bank refuse to provide microfinance facilities to SME due to the high default rate among the majority of borrowers who obtain loan without collateral. In addition, the percentage of non-performing loan (NPL) of microfinance in Malaysia has been increasing. Therefore, the objective of this research is to analyze the determinants of SMEs loan repayment performance in Malaysia. Results showed that there are four variables with significant relationship towards loan repayment namely educational level, business experience, amount of loan and loan tenure.</p>

PENGARUH LEVERAGE TERHADAP PENGUNGKAPAN ISLAMIC SOCIAL REPORTING DENGAN AKUNTABILITAS DAN TRANSPARANSI SEBAGAI VARIABEL MODERATING PADA PERBANKAN SYARIAH DI INDONESIA PERIODE 2012-2016

2017 ◽  
Vol 2 (1) ◽  
pp. 96
Author(s):  
Arry Eksandy
Keyword(s):  
Commercial Bank ◽  
Sampling Technique ◽  
Social Reporting ◽  
Panel Data Regression ◽  
Content Analysis Method ◽  
Analysis Technique ◽  
Data Regression ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship

This research aims to determine the effect of LeverageFinancing on the Disclosure of Islamic Social Reporting (ISR) with moderated by Accountability and the Transparency.        The population in this research is all sharia banking in the form of Sharia Commercial Bank in Indonesia during the period 2012-2016. The total samples tested were 9 Sharia Commercial Bank selected by purposive sampling technique. This research analyzes ISR Index through bank annual report by using content analysis method. Data analysis technique use panel data regression with Eviews 9.0 program.The results describe Accountability and Transparency able to moderate the relationship of Leverageto the Disclosure of Islamic Social reporting. Leverage have no effect on the disclosure of Islamic Social reporting, but after moderated by Accountability and the Transparency of Leverage has a negative effect on Disclosure of Islamic Social Reporting.Keywords: Disclosure of Islamic Social Reporting (ISR), Debt to Assets Ratio, Accountability and Transparency

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