scholarly journals Analisis Strategi Pembiayaan Usaha Mikro dan Kecil Melalui Dana Bergulir pada Lembaga Pengelola Dana Bergulir

2018 ◽  
Vol 12 (2) ◽  
pp. 178
Author(s):  
Adi Trisnojuwono ◽  
Aida Vitayala S Hubeis ◽  
Eko Ruddy Cahyadi
Keyword(s):  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Fund Performance ◽  
Factors Affecting ◽  
Effective Strategies ◽  
Financing Channels ◽  
Need To Evaluate ◽  
Business Establishment ◽  
Medium Enterprises ◽  
Significant Factors

The Ministry of Cooperatives and SMEs established a Revolving Fund Management Institution for the Micro, Small and Medium Enterprises (LPDB-KUMKM) in order to realize the mandate of Law No. 20 of 2008, with the aim of managing and developing revolving funds for the Micro, Small and Medium Enterprises professionally and accountably. The increasing number of Revolving Fund distribution services and the decreasing level of loan classification in the current category encouraged the need to evaluate loan or financing distribution through (1) analysis of factors affecting LPDB-KUMKM revolving fund performance and (2) to formulate effective strategies to improve the performance of revolving fund for the Micro, Small and Medium Enterprises. The method used in this research are, descriptive analysis, logistic regression analysis and AHP. The analysis result shows the significant factors that influence the performance of the revolving fund efficiency are financing schemes (conventional or syariah schemes), loan plafond and business establishment period. The proposed strategies that can be considered in improving LPDB-KUMKM's performance take into account the increasing effectiveness of loan or financing disbursement, which includes loan or financing channels and factors that significantly influence the success of return.

scholarly journals Factors Affecting the Performance of Agri Small and Medium Enterprises with Evidence from Kosovo

2021 ◽  
Vol 13 (2) ◽  
pp. 297-313
Author(s):  
Ekrem Gjokaj ◽  
Diana Kopeva ◽  
Nol Krasniqi ◽  
Henrietta Nagy
Keyword(s):  
Rural Economy ◽  
Small And Medium Enterprises ◽  
International Standards ◽  
Production Potential ◽  
Factors Affecting ◽  
Direct Payments ◽  
Medium Enterprises ◽  
The Impact ◽  
Agriculture Development ◽  
Significant Factors

Abstract The agri SMEs in Kosovo are facing challenges that are reducing competitiveness and preventing it from fulfilling their production potential. The main constraints in increasing productivity and improving competitiveness are the low use of modern techniques and technologies in both production and management of enterprises, lack of funds, the low use of inputs, and the limited ability to meet international standards of food safety. This paper is focused on the analysis of the impact of agricultural SMEs in the rural economy of the country and the problems related to the impact. The data used for this analysis are the data conducted for the Farm Structure Survey (FSS) which includes the farmers’ list from Agricultural Records compiled by the Kosovo Agency of Statistics (KAS) in 2014, as well as the lists of beneficiaries for both direct payments/subsidies and for grants for the period of 2014 to 2017 received by the Agency for Agriculture Development. From the research results, significant factors having an effect on the annual income of agris SMEs are the following: income from the sale of agricultural products, income from subsidies, income from non-agricultural activities, income from salaries, remittances, and income from other activities.

scholarly journals Factors Affecting Small and Medium Enterprises Success: An Exploratory Study

2013 ◽  
Vol 64 (3) ◽  
Author(s):  
Abdul Karim Kanaan Jebna ◽  
Ahmad Suhaimi Baharudin
Keyword(s):  
East Asia ◽  
Cash Flow ◽  
Exploratory Study ◽  
Business Performance ◽  
Small And Medium Enterprises ◽  
South East Asia ◽  
Factors Affecting ◽  
Competitor Orientation ◽  
Growing Economy ◽  
Medium Enterprises

Small and medium enterprises (SMEs) are the main contributor toward prospering the Malaysian economy [1]. Despite the fact that Malaysia is a fast growing economy in South-East Asia, death of SMEs is unavoidable. An exploratory study was conducted to investigate the factors that have an impact on business performance and success in Malaysia. Interviews with SMEs from different industries were conducted. Several factors were found to contribute to the success of business. The factors are classified into financial and non-financial determinants. These factors include customer satisfaction, service quality, experience, business expansion, competitor orientation, solving problems, cash flow, and the amount of sales and revenue. Building on these interviews, a discussion and conclusion have been provided.

scholarly journals Implementasi Sistem Bagi Hasil Mudharabah pada Koperasi Serba Usaha Amanah Desa Bunobogu Kecamatan Bunobogu Kabupaten Buol

Al-Buhuts ◽  
2017 ◽  
Vol 13 (2) ◽  
pp. 109-126
Author(s):  
Abdul Latif
Keyword(s):  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Qualitative Descriptive ◽  
Medium Enterprises ◽  
Made In

This study aims to determine the system for the results of Mudharabah on Business Multipurpose Cooperative (KSU) Amanah Desa Bunobogu with Qualitative Descriptive Analysis method. This study uses primary data sources and secondary data relating to the annual revenue sharing system Mudharabah (2010-2014). The results of this study indicate that the profit sharing system is implemented by the Multipurpose Business Cooperative (KSU) Amanah Desa Bunobogu in the form of Mudharabah financing. With a guarantee statement on the process akadnya. In the event of negligence made by members who resulted in his business losing the goods made in the guarantee will be seized by the cooperative. Businesses that are established by members are mostly small and medium enterprises so often encountered bookkeeping that is not clear and just make a budget booklet at random. However, it does not become alaasan and hamper the growth of cooperatives which each year has increased the remaining results of operations. Unclear budget bookkeeping can result in member earnings manipulation, by lowering the profits earned and the effect on the revenue share installments

scholarly journals The Influence of Marketing and Production Factor on Troso Weaving Cloth

2019 ◽  
Vol 8 (2) ◽  
pp. 189-199
Author(s):  
Khasan Setiaji ◽  
Rifalatul Umi
Keyword(s):  
Marketing Strategy ◽  
Random Sampling ◽  
Business Performance ◽  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Production Factor ◽  
Independent Variables ◽  
Medium Enterprises ◽  
The Impact

The business performance is influenced by various factors such as marketing strategy and production factor. Both have important roles to improve business performance. However, the number of Troso weaving cloth decreased gradually from 2013 up to 2016. This study aims at knowing the impact of marketing strategy and production factor to the performance of small and medium enterprises on Troso weaving cloth simultaneously and partially.  The population was 180 owners of Troso weaving cloth with the sample of 64. The sample was determined by using proportionate random sampling. Then, the variables for this study consist of independent variables that are marketing strategy (X1) and production (X2) factor; and dependent variable that is business performance (Y). Based on the percentage descriptive analysis. The marketing strategy variable has influence as many as 73% with good category, while the production factor influences business performance, 61% with the moderate category. This study has found that marketing strategy and production factor have positive and significant impact partially and simultaneously to the business performance of small and medium enterprises on Troso weaving cloth.

scholarly journals Innovation indicators in the context of Romanian SMEs: A research agenda

2020 ◽  
Vol 14 (1) ◽  
pp. 149-158
Author(s):  
Ioana Alexandra Onea
Keyword(s):  
Economic Growth ◽  
Small And Medium Enterprises ◽  
Innovation Management ◽  
Descriptive Analysis ◽  
Business Environment ◽  
Regional Innovation ◽  
Actual Application ◽  
Medium Enterprises ◽  
Key Terms ◽  
Innovation Indicators

AbstractThe purpose of this paper is to present an overview of the theoretical connection between key terms such as innovation indicators and entrepreneurship, highlighting the main trends of innovative activities and practices in the context of Romanian small and medium enterprises. Innovation management has gained an increased interest nowadays since it provides tools for creating competitive advantage and economic growth for enterprises. In this sense, at global and European Union level, innovation indicators have been identified in order to measure the efficiency of innovation. In addition, innovation and entrepreneurship have been connected by scholars, since their application provides business opportunities. Starting from the Europe 2020 Strategy that has innovation as a pillar for reaching economic growth, the present study provides a descriptive analysis of the Regional Innovation Scoreboard 2019 report, followed by a comparative analysis of the European Innovation Scoreboard reports published in the last 5 years. The present paper contributes to the existing knowledge regarding the actual application of innovation indicators in Romanian SMEs. The paper provides an answer to the research questions, which focus on depicting what are the exact innovation indicators that characterize the activities of Romanian SME and what are the trends and weaknesses in the actual business environment in terms of innovative endeavors. This paper provides some recommendations in terms of improvement of innovative efforts for the enterprises that operate in the Romanian market.

scholarly journals EFFECT OF DIGITAL FINANCIAL SERVICES ON THE GROWTH OF SMES IN KENYA

2021 ◽  
Vol 2 (1) ◽  
pp. 79-94
Author(s):  
Nandwa Nelly Awinja ◽  
Olanrewaju Isola Fatoki
Keyword(s):  
Financial Services ◽  
Social Networking Sites ◽  
Small And Medium Enterprises ◽  
Online Advertising ◽  
Descriptive Analysis ◽  
Business Environment ◽  
Digital Platforms ◽  
New Business ◽  
The Government ◽  
Medium Enterprises

The digital economy is a new business environment that enables enterprises to operate and provide services via the Internet and digital platforms. The study was on the effect of economic digitisation on growth of SMEs in Nairobi CBD. The specific objectives were to determine the effect of digital financial services, digital content, digital values and skills and the effect of online advertising on the growth of small and medium enterprises. The sample size in this study was 1000 SMEs formally registered in the study area from where a sample of 300 was randomly selected. The questionnaire was employed for the purpose of data collection from which out of the 300 questionnaires distributed, 180 were returned representing a 60% response rate. Guided by the research objectives, the data collected through the questionnaire were sorted, coded and presented in graphical and tabular forms for the purpose of descriptive analysis. To determine the significance of the relationship between the dependent and independent variables, a regression analysis was carried out using the Statistical Package of Social Sciences (SPSS) version 24. The study established that digital financial services were significant factors in ensuring growth of SMEs in Kenya. The study concluded that Mobile payments have become a favorite means of making financial transactions.  The study also established that Applications available for mobile digital devices is expected to increase enormously.  Digital payment technology has increased over the last decade. From the findings, it was concluded that Consumers grow more familiar with the different payment systems available and encourage more transactions. The SMEs should explore the possibility of forming a management committee to streamline economic digitisation issues. It is recommended that the organization clearly spell out economic digitisation procedures and criteria. This can stir positive growth  among SMEs establishments and can result in effective management. The Government and the various agencies should also make provisions for training programs for SMEs  to empower them in terms of economic digitisation. The SMEs should not rely on external professionals to assist in digitisation as this may be expensive. It is also recommended that the SMEs should adopt digital financial services. E-commerce will ensure increased profitability for small and medium enterprises. They should also have Social networking sites, which have proved to be popular online activities in relation to time, spent. They should also adopt Innovation driven entrepreneurship as it contributes to increase in sales revenue, market share, efficiency, customers’ loyalty and firm profitability.

Unravelling SMEs’ participation and success in public procurement

2020 ◽  
Vol 20 (4) ◽  
pp. 377-401 ◽  
Author(s):  
Carmela Di Mauro ◽  
Alessandro Ancarani ◽  
Tara Hartley
Keyword(s):  
Small And Medium Enterprises ◽  
Public Procurement ◽  
Sample Selection ◽  
Cross Sectional ◽  
Content Type ◽  
Factors Affecting ◽  
The Public ◽  
Ex Post ◽  
Medium Enterprises

Purpose This paper aims to investigate the role of micro, small and medium enterprises (MSMEs) within the Canadian public procurement, by seeking to identify barriers and supporting factors of MSMEs’ participation and success in public tenders. Design/methodology/approach The empirical analysis builds on a unique survey run by the Canadian federal government, which addressed firms either participating or not participating in public tenders. Model estimation on the survey data relies on sample selection methodologies, which allow separating determinants of MSMEs’ decision to participate from determinants of success. Findings Results provide evidence that costs stemming from asset specificity and uncertainty (e.g. costs of bidding, requirements for participation, bundling of contracts and award rules based on minimum price) affect participation in public procurement. Within MSMEs, micro-firms are the most discouraged from participating. However, after controlling for factors affecting participation, micro-firms emerge as having a higher success rate, possibly because of high specialization and joint participation with larger firms. Research limitations/implications Because of the cross-sectional nature of the data used for hypotheses testing, endogeneity may arise if ex post variables affect ex ante decisions. This may apply if participation in procurement feeds on success in past tenders. Social implications Findings may inform policies for the inclusion of smaller firms in the public marketplace. Originality/value To the best of the authors’ knowledge, this study is the first attempting to disentangle determinants of participation in public tenders from determinants of success. Separating the two aspects helps fine-tune SME-friendly public procurement policies, by identifying actions that effectively facilitate success of MSMEs in public tenders.

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