ALTERNATIVE STRATEGIES ON IMPROVING SMALL AND MEDIUM ENTERPRISES ACCESS TO SEED CAPITAL. A CASE OF DODOMA MUNICIPAL, TANZANIA

A crucial element in the development of the SME sector is access to finance, particularly to bank financing, given the relative importance of the banking sector in serving this segment. Small Medium Enterprises plays important and crucial roles in the economy development of any country. The main purpose of the study is to evaluate the Alternative Strategies on Improving Small and Medium Enterprises (SMEs) S’ Access to Seed Capital. This study is descriptive and combines both primary and secondary data methods of data collection. The method of convenience sampling was employed in arriving at the 80 SMEs, which the researchers believe possesses the experience relevant for this study and who have sufficient time and were willing to participate. Data are analyzed and summarized by using both SPSS and excel. Key determinants for seed capital acquisition which are: fair and low interest rates; philanthropy; in-excessive demand for collateral security; less cumbersome procedures and realistic repayment schedule. The study further revealed that high interest rates; lack of finances and unfavorable tax charges as major constraints to the growth of SMEs. In a nutshell, the major challenge could be interpreted to mean lack of seed capital.

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EMPLOYING FINANCIAL ACCOUNTING STANDARDS FOR ENTITIES WITHOUT PUBLIC ACCOUNTABILITY FOR AUDITING

El Muhasaba Jurnal Akuntansi ◽

10.18860/em.v3i2.2339 ◽

2013 ◽

Vol 3 (2) ◽

Author(s):

Akie Rusaktiva ◽

Adri Putra Nugraha

Keyword(s):

Financial Reporting ◽

Small And Medium Enterprises ◽

Accounting Standards ◽

Secondary Data ◽

Financial Accounting ◽

Public Accountability ◽

Financial Reports ◽

The Difference ◽

Small Medium Enterprises ◽

Medium Enterprises

Financial Accounting Standards for Entities Without Public Accountability (FAS-EWPA) is a financial accounting standards issued by The Indonesian Institute of Accountants or Ikatan Akuntan Indonesia (IAI) and endorsed by the Financial Accounting Standards Board of Indonesian Accountants or Dewan Standar Akuntansi Keuangan Ikatan Akuntan Indonesia (DSAK IAI) and intended for small and medium enterprises. The underlying priciple of IAI in issuing this particular standards is the attempt to facilitate small and medium enterprises in arranging their financial reports. If this standard is not issued, they have to follow the new FAS (which is stage of adopting IFRS – full convergence 2012) to arrange their financial reports. The application of this FAS-EWPA based IFRS is relatively more complex and expensive for small and medium enterprises. FAS-EWPA adopted some parts of IFRS (International Financial Reporting Standards) for small-medium enterprises (IFRS for Small-Medium-sized Entities/SMEs). This study aims to describe the layout of the difference measurement, assessment, report and the implementation of auditing standards between FAS-IFRS and FAS-EWPA. This study employed descriptive qualitative technique of data analysis by reviewing literature and analysing the field concerning with the implementation of Financial Accounting Standards Statements (FASS) and FAS-EWPA. Specifically, the secondary data of this study are FAS-IFRS and FAS-EWPA. The findings shows that there is a difference presentation and disclosure of financial statements between entities which report using FAS-IFRS and FAS-EWPA. Therefore the perceived program and audit procedures will be different because it will be tailored to the presentation and objectives the audit, suppose that in the implementation of FASS and EWPA, there is a difference in the assertions about the disclosure/presentation. For other assertions about existence, completeness, rights and obligations as well as assessment and allocation, basically, between FASS and EWPA, they have a common concept. While in presentation assertions as has been described earlier, the FAS-EWPA has a simpler form than with FASS, therefore there is a definitely difference in terms of the presentation between the two.

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ANALISIS PENINGKATAN PEREKONOMIAN DAERAH MELALUI UMKM DALAM MENGELOLA PRODUK KEARIFAN LOKAL DI KOTA TERNATE PROVINSI MALUKU UTARA

JISIP (Jurnal Ilmu Sosial dan Pendidikan) ◽

10.36312/jisip.v5i3.2186 ◽

2021 ◽

Vol 5 (3) ◽

Author(s):

Darsanto Darsanto ◽

Khasan Effendy ◽

Nuryanto Nuryanto

Keyword(s):

Regional Economy ◽

Raw Materials ◽

Small And Medium Enterprises ◽

Secondary Data ◽

Primary Data ◽

Regional Government ◽

Human Resource Capacity ◽

The Government ◽

Small Medium Enterprises ◽

Medium Enterprises

The Implementation of regional development in the autonomy era is in accordance with Law Number 23 RI of 2014 concerning Regional Government based on regional capacities and initiatives. Where there are several development problem faced. Especially in Ternate City, when viewed from the perspective of population welfare, the problem of poverty and unemployment are still considered quite high. Therefore, strategic efforts are needed to deal with the problem in question. This paper aims to, 1) Describe the government’s efforts improved the regional economy through micro, small, and medium enterprises in managing local wisdom products in Ternate City, North Maluku Province; 2) Describe the factors that influenced efforts improved the regional economy through micro, small, medium enterprises in managing local wisdom product. The approach of this study was qualitative and descriptive method. The theory used to analyzed the main focus was The of Manpower Creation by Mansour Fakih. To saw the factors that affect the productivity of micro, small and medium enterprises used the concept proposed by Wilantara and Susilawati. The data sources were primary data and secondary data. Data collection techniques were obtained through interviews, observation and documentation carried out in Ternate City by involving the government and micro, small and medium enterprises by selecting a number of samples based on the snowball method. The results of this study indicate that the efforts made by the Local Government of Ternate City to improve its economy through micro, small, medium enterprises based on local wisdom potentiality are considered quite effective, because able to encourage and maintain productivity of business actors. These efforts generally take the form of development, fostering and provision of business capital that are regulative, service, facilitative and evaluative roles. Although, there are several obstacles that are quite prominent and influential, including the lack of business capital, product marketing, inefficiency of bureaucratics services, low human resource capacity for technology and limited raw materials. Therefore, it is recomended that there be improvements in term of increating business capital, marketing creativity, supply of raw materials and increasing the latest technology-based education and training activities.

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DETERMINING PRIORITY PRODUCTS OF SMALL MEDIUM ENTERPRISES FOR EXPORT THROUGH TRADING HOUSES

Buletin Ilmiah Litbang Perdagangan ◽

10.30908/bilp.v11i2.261 ◽

2017 ◽

Vol 11 (2) ◽

pp. 187-206 ◽

Cited By ~ 1

Author(s):

Fitria Faradila ◽

Hasni Hasni

Keyword(s):

Raw Materials ◽

Small And Medium Enterprises ◽

Group Discussion ◽

Secondary Data ◽

Primary Data ◽

Analytical Network Process ◽

Network Process ◽

The Government ◽

Small Medium Enterprises ◽

Medium Enterprises

Upaya mempercepat laju ekspor Indonesia melalui peningkatan ekspor dari sektor usaha kecil dan menegah (UKM) merupakan pendekatan yang strategis. UKM telah terbukti sebagai sektor yang mampu bertahan dalam situasi krisis ekonomi domestik dan global. Namun demikian, UKM menghadapi beberapa kendala dalam menembus pasar internasional. Trading House dapat menjadi salah satu solusi dalam mengatasi kendala tersebut. Penelitian ini bertujuan untuk menyusun kriteria prioritas produk potensial ekspor dan sekaligus menentukan produk prioritas ekspor UKM yang akan dimasukkan dalam Trading House. Data yang digunakan adalah data sekunder yang berasal dari BPS dan data primer yang berasal dari FGD. Metode yang digunakan adalah metode Analytical Network Process (ANP). Metode ANP diharapkan dapat memberikan hasil yang lebih bagus mengingat kemampuannya dalam memperhitungkan interaksi dua arah antar elemen dan kluster dalam kerangka penelitian. Hasil analisis menunjukkan bahwa kriteria prioritas untuk menentukan produk Trading House adalah pangsa ekspor, impor dunia dan ketersediaan bahan baku lokal. Produk prioritas Trading House adalah perhiasan dan aksesoris, furnitur, makanan olahan, produk tekstil dan garmen, minyak atsiri (produk spa aromaterapi). Pemerintah perlu segera membangun Trading House yang komprehensif dan mensosialisasikan fungsinya kepada pelaku usaha terutama UKM. One of the efforts to accelerate Indonesian exports can be done through increasing small and medium enterprises (SMEs) which is a strategic approach. SMEs are able to survive in the domestic and global economic crisis even though they experienced some obstacles in getting an access to international market. Trading House could be a solution in overcoming the SMEs difficulties. This study aims to establish priority criteria of potential export products as well as priority of export products of SMEs through Trading House. This study utilized both secondary data coming from BPS and primary data from Focus Group Discussion (FGD), and used Analytical Network Process (ANP) method. The ANP is aimed to give the best solution of the problem since it considers two way interactions between elements or clusters (feedback). The results show that the priority criteria for determining Trading House products include the share of exports, world imports and the availability of local raw materials. Trading House priority products are jewelry and accessories, furniture, processed foods, textile and garment products, essential oils (aromatherapy spa products).The government must immediately build a comprehensive Trading House and socialize its functions to business players, especially SMEs.

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PENGARUH PENYELENGGARAAN HAJI TERHADAP PENINGKATAN AKTIVITAS EKONOMl DI WILAYAH PROPINSI DKI JAKARTA

ALQALAM ◽

10.32678/alqalam.v30i2.1420 ◽

2013 ◽

Vol 30 (2) ◽

pp. 380

Author(s):

Chairul Akmal

Keyword(s):

Secondary Data ◽

Travel Agency ◽

Economic Activities ◽

Factors Affecting ◽

Regression Methods ◽

The Social ◽

Travel Agencies ◽

Relationship Model ◽

Small Medium Enterprises ◽

Medium Enterprises

This research analyzes some factors affecting economic activities in relation with the conduct of pilgrimage. Those factors are the pilgrimage cost, the amount of pilgrims, and the amount of pilgrimage officers. The objective of this research is to acquire the information of how each factor and all factors together affect the economic activities. This research also analyzes the effect of foods and drinks expenses, the effect of nonfoods and drinks expenses, and the effect of miscellaneous expenses on UMKM - Micro, Small, Medium enterprises' economic activities. This research is conducted in DKI Jakarta in 2007. The population of this research is the average economic activities in DKI Jakarta in 2007. There are 42 respondents (Banks), 157 respondents (travel agencies), and 50 respondents (UMKM - Micro, Small, Medium enterprises) which are taken as samples from the population using the purposive sampling method. The data is obtained by the researcher using questioners and secondary data which is taken from 1990-2007. The methodology used in this research is based on. the causal relationship model In testing the hypothesis of this research, the researcher uses the simple and multiple regression methods, and path analysis method. The significant rate a = 0,05 used in determining the interpretation of the statistic result. The data is processed using SPSS (Statistical Packages for the Social Sciences) version 12.00. The results of the analysis in the 1st equation -are (i) the effect of the pilgrimage cost on banks' revenues is quite strong, (ii) the effect of the pilgrimage cost on travel agencies' revenues is quite strong, (iii) the effect of the pilgrimage cost on UMKM - Micro, Small, Medium enterprises' revenues is weak. The results of the analysis in the 2nd equation are (i) the effect, of the amount of pilgrims on Banks' revenues is very weak, (ii) the effect of the amount of pilgrims on travel agencies' revenues is very weak, (iii) the effect of the amount of pilgrims on UMKM - Micro, Smal4 Medium enterprises' revenues is very weak. The results of the analysis in the 3rd equation are (i) the effect of the amount of pilgrimage officers on banks' revenues is very weak, (ii) the effect of the amount of pilgrimage officers on travel agencies' revenues is very weak, (iii) the effect of the amount officers on UMKM-Micro, Small Medium enterprises' revenues is very weak. The results of the analysis in the 4th equation are (i) the effect of all three factors which are the pilgrimage cost, the amount of pilgrims, and the amount of pilgrimage officers simultaneously on banks' revenues is very strong, (ii) The effect of all three factors which are pilgrimage costs, the amount of pilgrims, and the amount of pilgrimage officers simultaneously on travel agencies' revenues is strong, (iii) The effect of all three factors which are pilgrimage costs, the amount of pilgrims, and the amount of pilgrimage officers simultaneously on UMKM-Micro, Small Medium enterprises' revenues is strong. The result of the analysis in the 5th equation is the effect of foods and drinks expenses on UMKM-Micro, Small Medium enterprises' revenues is weak. In the 6th equation, the effect of nonfoods and drinks expenses on UMKM-Micro, small Medium enterprises' revenues is weak. In the 7th equation, the effect of miscellaneous expenses on UMKM - Micro, Small Medium enterprises' revenues is quite strong. In the 8th equation, the effect of all three factors which are the effect of foods and drinks expenses, the effect of nonfoods and drinks expenses, and the effect of miscellaneous expenses simultaneously on UMKM-Micro, Small Medium enterprises' revenues is quite strong. The implication of the research results mentioned above is the factors in the conduct of pilgrimage do increase the economic activities (Banks, Travel Agencies, and UMKM - Micro, Smal4 Medium enterprises) in DKI Jakarta. Therefore, considering that matter, the General Director of the conduct of pilgrimage division of Department of Religion Republic of Indonesia should determine the pilgrimage cost which is affordable, increase the service, and provide a good information system which will result in a better conduct of the pilgrimage. Key word: The Costs of Hajj, Hajj Officer, Travel Agency, UMKM

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INVESTIGASI NIAT PENGGUNAAN FINANCIAL TECHNOLOGY PAYMENT BAGI USAHA MIKRO KECIL MENENGAH

JURNAL AKUNTANSI UNIVERSITAS JEMBER ◽

10.19184/jauj.v19i1.24715 ◽

2021 ◽

Vol 19 (1) ◽

pp. 35

Author(s):

Anissa Hakim Purwantini ◽

Reza Dea Amalia

Keyword(s):

Risk Perception ◽

Small And Medium Enterprises ◽

Sampling Technique ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Digital Money ◽

Convenience Sampling ◽

Medium Enterprises ◽

Financial Technology

ABSTRACTThe current adoption of financial technology (fintech) payment by Micro, Small and Medium Enterprises (MSMEs) is motivated by the trend of using digital money. The purpose of this study is to test and analyze empirically the factors that influence the intention of SMEs to use fintech payments. This study uses a quantitative method by distributing surveys to 94 MSMEs in the Magelang using convenience sampling technique. The test results with SEM-PLS show that the perceived usefulness and the perception of trust have an effect on attitudes. Risk perception and trust affect the intention to use fintech payment. Meanwhile, for ease of use, perception and risk perception have no effect on attitudes and perceived usefulness. Attitudes have no effect on intentions to use fintech payment. Based on the calculation of the path value, the most powerful factor to influence the intention to use fintech payment is the perception of trust.Keywords: fintech payment, TAM, MSMEABSTRAKAdopsi terkini mengenai pembayaran melalui financial technology (fintech) oleh Usaha Mikro, Kecil dan Menengah (UMKM) dilatarbelakangi oleh tren penggunaan uang digital. Tujuan dari penelitian ini adalah untuk menguji dan menganalisis secara empiris faktor-faktor yang mempengaruhi niat UMKM untuk menggunakan pembayaran fintech. Penelitian ini menggunakan metode kuantitatif dengan menyebarkan survei kepada 94 UMKM di Magelang dengan menggunakan teknik convenience sampling. Hasil pengujian dengan SEM-PLS menunjukkan bahwa persepsi manfaat dan persepsi kepercayaan berpengaruh terhadap sikap. Persepsi risiko dan kepercayaan mempengaruhi niat untuk menggunakan pembayaran fintech. Sedangkan untuk kemudahan penggunaan, persepsi dan persepsi risiko tidak berpengaruh terhadap sikap dan manfaat yang dirasakan. Sikap tidak berpengaruh terhadap niat menggunakan fintech payment. Berdasarkan perhitungan path value, faktor yang paling kuat mempengaruhi niat menggunakan fintech payment adalah persepsi kepercayaan.Kata kunci: fintech payment, TAM, UMKM

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Women Entrepreneurs in Bangladesh- Challenges and Determining Factors

Journal of Business and Technology (Dhaka) ◽

10.3329/jbt.v9i2.26194 ◽

2015 ◽

Vol 9 (2) ◽

pp. 27-41 ◽

Cited By ~ 3

Author(s):

Tania Afroze ◽

Md Kashrul Alam ◽

Eliza Akther ◽

Nahid Sultana Jui

Keyword(s):

Gender Discrimination ◽

Women Entrepreneurs ◽

Small And Medium Enterprises ◽

Secondary Data ◽

Business Environment ◽

Sales Promotion ◽

Social Constraints ◽

Management Skills ◽

Economic Activities ◽

Medium Enterprises

The aim of this study is to find out the major challenges that hinder smooth operation of women entrepreneurs of Bangladesh. It also finds the reasons behind the success of the women entrepreneurship. Both primary and secondary data have been used to conduct the study. The questionnaire included questions about economic problems, family related issues, social constraints and other limitations faced by women entrepreneurs and the reasons behind their success. Women involved in various small and medium enterprises take on the challenge to work in a male-dominated society, competitive and complex economic and business environment. However, the identified challenges are inadequate capital, sales promotion, getting permission to start-up a business, gender discrimination, illiteracy and lack of knowledge among women, non-availability of training program and technical support, lack of managerial experience, in some cases young people make ill talk about the enterprise and so on. Personal qualities such as hard work and perseverance, management skills and marketing skills, support provided by their spouses or family are the main reasons behind the success of the women entrepreneurs. The level of participation of women in mainstream economic activities remains insufficient and the percentage of women in business is still much below than that of their male counterparts.Journal of Business and Technology (Dhaka) Vol.9(2) 2014; 27-41

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Notary Role In Making The Establishment Of The Deed Of Business Cooperation In The Rembang District

Jurnal Akta ◽

10.30659/akta.v6i3.5102 ◽

2019 ◽

Vol 6 (3) ◽

pp. 573

Author(s):

Zaenal Arifin ◽

Aryani Witasari

Keyword(s):

Small And Medium Enterprises ◽

Secondary Data ◽

Literature Study ◽

Formation Stage ◽

Cooperative Development ◽

Preparation Stage ◽

Cooperative Enterprises ◽

The Right ◽

Medium Enterprises

The purpose of this study was to analyze: 1) The implementation of the Deed of Establishment of Cooperative manufacture in Rembang. 2) The role of the Notary as the maker of the Deed of Establishment of Cooperative Enterprises. 3) Barriers and solutions in the Deed of Establishment of Cooperative Development in Rembang.The approach method in this research is juridical empirical, data sources used are primary and secondary data obtained through interviews and literature study, performed data analysis by descriptive analytic.Results of the research results can be concluded: 1) Implementation of Creation Deed of Establishment of Cooperative in Rembang which starts with the preparation stage of formation, preparation stage meetings of formation, stage meetings of formation, stage request for approval rights of legal entities cooperatives, and the stage of issuance of the deed pendiiran and 2) As the role of Notary Deed of establishment of cooperative enterprises in Rembang is as maker deed of cooperative efforts. Notaries have the right authority / legal standing in a deed of incorporation of cooperatives. 3). Obstacles and solutions in the Deed of Establishment of Cooperative Development in Rembang of the cooperative is a member of the cooperative awareness level is still low, less managerial capacity, and limited capital resources. Barriers of Notary Public Notary is still much limited knowledge of Notary Deed Official Cooperation (PPAK) and the low interest of the Notary Deed Cooperative (NPAK) in Rembang district were registered for the Legal Entity Administration System Cooperative (SISMINBHKOP). With the state of a society, then the Office of Industry Trade Cooperatives and Small and Medium Enterprises Rembang should seek to build cooperation between the Notary in Rembang with the Agency's own cooperative.Keywords: Deed of Establishment of Cooperative; PPAK; SISMINBHKOP

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Contributions of Micro, Small and Medium Enterprises (MSMEs) to Income Generation, Employment and GDP: Case Study Ethiopia

Journal of Sustainable Development ◽

10.5539/jsd.v12n3p46 ◽

2019 ◽

Vol 12 (3) ◽

pp. 46 ◽

Cited By ~ 2

Author(s):

Hailai Abera Weldeslassie ◽

Claire Vermaack ◽

Kibrom Kristos ◽

Luback Minwuyelet ◽

Mahlet Tsegay ◽

...

Keyword(s):

Small And Medium Enterprises ◽

Secondary Data ◽

Weak Links ◽

Income Generation ◽

Access To Credit ◽

Challenges And Opportunities ◽

Entrepreneurial Climate ◽

Market Linkage ◽

Medium Enterprises ◽

Log Linear

The pillar goals of this research are to review the conditions of MSMEs, their contribution to employment creation, income generation, poverty alleviation, contributions to the local, regional and national GDP, stimulating entrepreneurial climate and the challenges and opportunities in the design, implementations, marketing opportunities, linkages, financial sources, dynamics, survival and policy landscape. To achieve the presented purposes, we collected primary and secondary data through a survey, focus group discussions and documents reviews. We used qualitative and quantitative approaches to analyse the collected data using various statistical programs. We used descriptive and econometric statistical analysis to process the data, obtain the relevant estimation results and fully discuss the purposes under the study. We firmly maintain that the systems we presented, and the methods applied enabled us to tackle the aims of the study. MSMEs in Ethiopian are the chief sources of job, income, significantly contribute to the local, regional and national GDP and key policies to eliminate poverty. In the log-linear regression, we found that MSMEs initial capital, BDS, access to credit facility are the key determinants of MSMEs performance. Majority of the MSMEs produce for local and regional markets; few for national markets and none for international markets. Besides, we found that sex of MSMEs owner/manager, BDS, access to credit and capital size strongly determine the survival of MSMEs. Based on this study, the major obstacles of MSMEs in Ethiopia are the question of sustainability, lack of credit, weak market linkage, insufficient training, weak human resources development schemes, dependency on government and spoon-feeding mentality, oscillations in government policies, price variations, weak links and poor market and product development strategies.

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Sistem Pendukung Keputusan Kelayakan Penerimaan Nasabah Menggunakan Metode Profile Matching

Computer Engineering Science and System Journal ◽

10.24114/cess.v5i1.14520 ◽

2020 ◽

Vol 5 (1) ◽

pp. 98

Author(s):

Anita Ahmad Kasim ◽

Raziyan Dwi Pathan

Keyword(s):

Programming Languages ◽

Small And Medium Enterprises ◽

Web Based ◽

Customer Data ◽

Matching Process ◽

Customer Acceptance ◽

Profile Matching ◽

Long Time ◽

Small Medium Enterprises ◽

Medium Enterprises

Abstract—PT Sarana Sulteng Ventura is one company that aims to provide loan capital is micro, small, and medium enterprises (UMKM) as a venture partner timed short or long to be able to stand on its own with loan capital that fits with the kind of effort that it takes for the customer. In providing venture capital loans, the company has some terms and conditions that apply. and the company still cultivate customer data manually so that it takes quite a long time. Then with this author makes the eligibility decision support system which will facilitate customer acceptance staff employees of PT Sarana Sulteng Ventura to pre-screen customer deserves a loan business capital to client or small medium enterprises. The researchers used a system that is web -based systems using the programming language PHP and MySQL into its data base processing and sublime text 2 as editor of programming languages. This research used the method of profile matching process to perform the calculation of assessments to help give the eligibility decision of acceptance the customer at PT. Sarana Sulteng Ventura city of Palu.

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Chilean Public Policies and their Impact on Biotechnology Small and Medium Enterprises

Journal of Evolutionary Studies in Business-JESB ◽

10.1344/jesb2022.1.j103 ◽

2022 ◽

Vol 7 (1) ◽

pp. 204-237

Author(s):

Isabel Edith Torres Zapata ◽

Omar Vargas Orellana

Keyword(s):

Developing Countries ◽

Development Process ◽

Small And Medium Enterprises ◽

Public Policies ◽

Secondary Data ◽

Economic Conditions ◽

Positive Externalities ◽

The Creation ◽

Medium Enterprises ◽

Biotechnology Sector

It is difficult to find cases of technology-based Small and Medium Enterprises in developing countries, however Chile has some within the biotechnology sector. How has this been possible? As a consequence of the different public policies and structural economic conditions that allowed their emergence, especially in the 1990s. This study describes the historical conditions and how they have been able to create a sector within the Chilean economy. From the analysis of secondary data the emergence of this type of company within the country is described. This analysis shows the link between structural conditions and appropriate public policies, meaning that these companies did not emerge by chance. Understanding their development process is crucial to promote the creation of more such technology-based Small and Medium Enterprises, as they have many positive externalities and are more globally competitive.

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