scholarly journals The Effect Of Micro, Small And Medium Enterprises, Labor Absorption And Non Formal Education Level To Decrease The Poverty In Simalungun District

2018 ◽  
Author(s):  
Jesika Melina Simamora ◽  
Zahari Zein ◽  
M. Fitri Rahmadana
Keyword(s):  
Formal Education ◽  
Small And Medium Enterprises ◽  
Education Level ◽  
Medium Enterprises

scholarly journals ANALISIS LITERASI KEUANGAN DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA

2018 ◽  
Vol 8 (2) ◽  
Author(s):  
Suryanto Suryanto ◽  
Mas Rasmini
Keyword(s):  
Financial Literacy ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Education Level ◽  
Primary Data ◽  
Analysis Technique ◽  
Business Income ◽  
Medium Enterprises ◽  
The City

This study aims to analyze financial literacy and find out the factors that influence the financial literacy ofmicro, small and medium enterprises (MSMEs) in the city of Bandung. This study uses a quantitativeapproach to the type of verification research. Primary data is obtained through the distribution ofquestionnaires to MSMEs players in the city of Bandung. The sampling technique uses proportional randomsampling with a sample size of 30 respondents. Other data is obtained through library observation andstudy. The analysis technique used is multiple linear regression. The results showed that the financialliteracy of SMEs in the city of Bandung was in the medium category. There are several factors thatsimultaneously influence financial literacy, namely age, formal education level, and business income. Whilepartially only the formal education level and business income that influences the level of financial literacy.While age does not have an effect on the level of financial literacy.

scholarly journals Entrepreneurial Characteristics and Business Profile of Women Owned Small and Medium Enterprises (SMEs): A Case Study of the Tamale Metropolitan Area

2016 ◽  
Vol 7 (1) ◽  
pp. 159 ◽  
Author(s):  
Eva Atu Alhassan ◽  
Mabel Akosua Hoedoafia ◽  
Elvis Adam Alhassan
Keyword(s):  
Women Entrepreneurs ◽  
Business Performance ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Tertiary Education ◽  
Simple Random Sampling ◽  
Vital Role ◽  
Cross Sectional ◽  
Entrepreneurial Characteristics ◽  
Medium Enterprises

<p>Despite the vital role of women entrepreneurs in the economic development of their families and countries, it has been revealed that they have low business performance compared to their male counterparts. In this paper, an analysis of the business profile and entrepreneurial characteristics of women owned Small and Medium Enterprises in the Tamale Metropolis has been carried out. A cross-sectional design was used to collect quantitative and qualitative data from a variety of women entrepreneurs. Women entrepreneurs who have benefited from microcredit were selected using simple random sampling. They were then categorized based on their economic activities. The study found that, the level of education of the respondents was generally low; over 69% had no formal education, 20% had primary education, 9.5% had secondary and 1% had tertiary education. Furthermore, 54.2% of the enterprises were managed by the entrepreneurs’ themselves whiles 7.8% were run by the owner and other non-family employees. Also Only about 3% of the businesses surveyed were registered.</p>

scholarly journals Determinants of the Quality Financial Information Small and Medium Enterprises Sector

2021 ◽  
Vol 2 (4) ◽  
pp. 1197-1202
Author(s):  
Aris Eddy sarwono ◽  
Asih Handayani
Keyword(s):  
Information System ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Skills Training ◽  
Primary Data ◽  
Education Programs ◽  
Training And Education ◽  
Accounting Information System ◽  
Medium Enterprises

This study aims to determine the effect of owner support, personal technical skills, training and education programs, age, gender, length of business and formal education on the performance of accounting information systems. This research was conducted on Small and Medium Enterprises (SMEs) in the Solo Raya area. The type of data used is quantitative data. The data source used is primary data. Data collection techniques using a questionnaire. The population in this study is SMEs in the Solo Raya area. The sampling technique used purposive sampling method with the number of samples determined with a specific purpose as many as 56 SMEs. The results showed that the variables of owner support, personal technical ability, training and education programs had an effect on the performance of the accounting information system, while variables of age, gender, length of business and formal education had no effect on the performance of the accounting information system.

scholarly journals PENGARUH TINGKAT PENDIDIKAN, PENGETAHUAN AKUNTANSI DAN PELATIHAN AKUNTANSI TERHADAP PENGGUNAAN INFORMASI AKUNTANSI DIMODERASI KETIDAKPASTIAN LINGKUNGAN USAHA KECIL MENENGAH

2017 ◽  
Vol 5 (1) ◽  
pp. 68
Author(s):  
Choirul Hudha
Keyword(s):  
Data Collection ◽  
Random Sampling ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Sample Selection ◽  
Accounting Information ◽  
Environmental Uncertainty ◽  
Education Level ◽  
Equation Modelling ◽  
Medium Enterprises

The purpose of the study were to examine and analyze the influence of education level, accounting knowledge, accounting training on the use of accounting information, and to examine and analyze the environmental uncertainty as a moderating variable that influence the education level, accounting knowledge and accounting training on the use of accounting information. The number of population in this research were 514 owners of Small and Medium Enterprises (SMEs) in Surabaya. The sample selection in this research based on proportional random sampling and choosen 225 owners of the SMEs. The data collection techniques used questionnaires, interviews, and documentation. The analyze method used Structural Equation Modelling (SEM). The results showed that the education level did not significantly influence the use of accounting information. The accounting knowledge and accounting training significantly influence the use of accounting information on SMEs. The environmental uncertainty as a moderating variable moderated the influence of education level, accounting knowledge, and accounting training on the use of accounting information

scholarly journals Self-Employed Graduate Entrepreneurs And Management Of Small And Medium Enterprises (SMEs) In Lagos State, Nigeria

2013 ◽  
Vol 12 (5) ◽  
pp. 585
Author(s):  
Ololade Kazeem Shonubi ◽  
Saheeb Oluwafemi Taiwo
Keyword(s):  
Data Analysis ◽  
Risk Taking ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Cluster Sampling ◽  
Chi Square ◽  
Lagos State ◽  
Medium Enterprises ◽  
Successful Manager

This paper examines what enables self-employed entrepreneurial graduates to successfully manage their businesses despite that they never had formal education in any management course(s) but thrive within an environment full of unforeseen uncertainties, such as lack of business incentives, unfavorable government policies, inadequate infrastructures in Nigeria, to mention but a few. In adopting Okalas in-built myths of entrepreneurs, the quantitative approach of research was utilized with a cluster sampling technique to select 427 small and medium scale entrepreneurs in Lagos State, Nigeria. The chi-square method of data analysis used as a method of data analysis indicates that in-born traits, risk-taking and entrepreneurial learning contribute to SME success. Herron and Robinsons (1993) theory was adapted to explain what makes entrepreneurs succeed. It was recommended that to be successful as managers, every unsuccessful SME manager should look inward and attempt to discover some in-born management characteristics that lie within them to be a successful manager.

scholarly journals Analisis Literasi Keuangan pada Pelaku Usaha Mikro di Kota Pekanbaru

2017 ◽  
Vol 1 (1) ◽  
pp. 12-22
Author(s):  
Susie Suryani ◽  
Surya Ramadhan
Keyword(s):  
Age Differences ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Income Level ◽  
Education Level ◽  
Gender And Age ◽  
Literacy Level ◽  
Trade Sector ◽  
Gender And Age Differences ◽  
Medium Enterprises

  This study aims to determine the level of financial literacy forMicro, Small and Medium Enterprises in Pekanbaru. Besides that, this research conducted to analyzewhether the differences in gender, age, education level, and income level has significant effect towards financial literacy level for businesses. The focus of business type in this researchis trade sector that contained the number of 292 businesses as sample. The method used is survey by obtaining data through questionnaires. The results showed that the level of SMEss financial literacyis moderate 57,9 percent. variables that affect the level of financial literacy businesses are differences in education and income. While gender and age differences has no effectto the level of MSMEss financial literacy. Keywords : Financial Literation, Gender, Age, Education, Income

scholarly journals EMPLOYEES’ KNOWLEDGE DETERMINANTS IN SMES: THE CASE OF SLOVENIA

2014 ◽  
Vol 16 (2) ◽  
pp. 422-444 ◽  
Author(s):  
Doris Omerzel Gomezelj ◽  
Boštjan Antončič
Keyword(s):  
Work Experience ◽  
Structural Equation ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Empirical Test ◽  
Reliability And Validity ◽  
Equation Modelling ◽  
Proposed Model ◽  
Confirmatory Factor ◽  
Medium Enterprises

This paper presents various definitions of knowledge as human capital, and analyses some fundamental challenges regarding the measurement of employees’ knowledge of a firm, especially in small and medium enterprises (SMEs). The paper reviews the literature pertaining to the assessment of knowledge assets, proceeds to develop a model of SME employees’ knowledge, and presents the results of an empirical test conducted among 173 Slovenian SMEs. Scales were tested for reliability and validity. A structural equation modelling technique was used to verify the theoretically proposed model of the employees’ knowledge. The multidimensionality of the developed SME knowledge construct was confirmed. The proposed model of the employees’ knowledge consists of five main dimensions: innovation capabilities and willingness to learn, attitude, job qualification, formal education, and work experience. To verify and confirm the proposed model, an exploratory and confirmatory factor analysis was performed. The new construct and concept developed in this study offers a near complete picture that can be used as a research framework in future examinations of the importance of knowledge for SME performance.

scholarly journals Pengaruh Persepsi, Tingkat Pendidikan, dan Sosialisasi Terhadap Penerapan SAK EMKM Pada UMKM Wilayah Kota Surabaya

2018 ◽  
Vol 12 (2) ◽  
pp. 112-127
Author(s):  
Galuh Artika Febriyanti ◽  
Agung Sri Wardhani
Keyword(s):  
Small And Medium Enterprises ◽  
Financial Statements ◽  
Education Level ◽  
Accounting Education ◽  
Financial Accounting ◽  
Primary Data ◽  
Financial Reports ◽  
Medium Enterprises ◽  
Cash Basis ◽  
Positive Effect

The perpetrators of MSMEs generally do not use the standards applicable in the preparation of financial statements. MSME financial statements often use cash basis taken from daily cash mutation sources. The Indonesian Institute of Accountants seeks to contribute to overcome the constraints of MSMEs in the preparation of financial statements by issuing the Financial Accounting Standards of Micro Small and Medium Enterprises (SAK EMKM) and effective from 1 January 2018. SAK EMKM is simple to be implemented easily by MSMEs. The Financial Statements according to SAK EMKM are prepared on the accrual basis. The research took 50. MSMEs in Surabaya using convenience sampling method.  The data used are primary data obtained through questionnaires. This study aims to finding out the hypothesis that the perception of MSMEs in Surabaya against the application of EMKM IFRS had an effect on the application of EMKM IFRSs, testing the education level hypothesis of MSMEs in Surabaya had an effect on the application of EMKM IFRSs, and tested the hypothesis of SAK EMKM dissemination in Surabaya. application of SAK EMKM.  The results showed that partially the perception of MSMEs entrepreneurs has a positive effect on implementation SAK EMKM while the level of education and sozialization has a negative effect. Keywords: Accounting, Education Level, financial reports, MSME, Perception,  SAK EMKM, Sozialization

scholarly journals Entrepreneurship Education in Developing People’s Economy

2019 ◽  
Vol 7 (1) ◽  
pp. 53-60
Author(s):  
Irmawita Irmawita
Keyword(s):  
Human Resources ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Educational Institutions ◽  
Study Program ◽  
Entrepreneurial Spirit ◽  
Self Development ◽  
Study Programs ◽  
Negative Impacts ◽  
Medium Enterprises

The various impacts that have been taken in the era of globalization and increasingly widespread transformation will have positive and negative impacts. Various potentials faced, both natural resources and human resources must be a priority to be developed, especially by the Study Program of Non Formal Education as one of the educational institutions that must be a solution for an increasingly developing age. One way that can be taken to develop human resources, especially the PLS study program is through student self-development towards the cultivation of entrepreneurial spirit in aspects of life. It is very important to do outside school education that is closely related to education for the community to continue to be a pioneer in the development people's economy which has an entrepreneurial spirit, devotion and conduct economic business through koperasi and small and medium enterprises so that intact human resources can be built independent, productive and able to become the hope of the nation that responds to the flow of globalization with various challenges. The challenge of globalization towards self-reliance and productive endeavors for students of study programs outside of school is a shared hope towards people's economy and the transparent world of work and accountability.

scholarly journals FACTORS DETERMINING BANK LOAN APPROVAL AS SOURCE OF FINANCING FOR MICRO, SMALL, AND MEDIUM ENTERPRISES (MSME) IN JAKARTA

2018 ◽  
Vol 2 (1) ◽  
pp. 226
Author(s):  
Margarita Ekadjaja
Keyword(s):  
Logistic Regression ◽  
Small And Medium Enterprises ◽  
Education Level ◽  
Bank Loans ◽  
Bank Loan ◽  
Accounting System ◽  
Loan Repayment ◽  
Good Relationship ◽  
Loan Approval ◽  
Medium Enterprises

In running business, the owners of Micro, Small, and Medium Enterprises (MSME) have main weaknesses, in which they do not conduct good accounting system or financial records, thus creating difficulties in developing analysis for future business planning. Most of MSME owners run their business by relying on instincts, while business analysis and accounting system are necessary when they apply for bank loan.The aim of this study is to reveal some variables of MSME that become the determinants of their bank loans approval. These variables are: Business Age since Establishment, Total Assets Turnover, Owner’s Total Assets, Credit Duration, Owner’s Education Level, Good Relationship with the Bank, Collateral Amount, and Loan Repayment Criteria. The samples of this study were taken from entrepreneurs selling clothes and apparels in Tanah Abang by conducting direct interview and fulfilling the questionnaire. The questionnaire consists of three major parts, which are business owner’s profile, credit analysis, and evaluation on simple financial report. This study uses logistic regression method, in which there is only one dependant variable with dummy 1-0 (Bank Loan Approval, granted = 1 and rejected = 0) along with eight independent variables.This study concludes that Business Age since Establishment, Total Assets Turnover, Owner’s Education Level, Collateral Amount, and Loan Repayment Criteria, have positive and significant effects on Bank Loan Approval. Meanwhile, Owner’s Total Assets, Credit Duration, and Good Relationship with the Bank do not affect Bank Loan Approval significantly.Keywords: MSME, bank loan approval, logistic regression

Sign in / Sign up

Export Citation Format

Share Document