The Effects of Behavioral Factors on the Creditworthiness of Small-Scale Enterprises

Author(s):  
Dmitry Shevchenko ◽  
Ellah Igoche Godwin

This chapter uses the relationship between behavioral factors and the creditworthiness of small-scale enterprises to increase access of SMEs to credit facilities. The inability of several small businesses to secure loans cannot be overemphasized. Heuristics affecting entrepreneurs are explained in this chapter, and a regression model showing the dependence of creditworthiness on behavioral factors is proposed. If banks consider using psychometric tools in testing for creditworthiness of small-scale entrepreneurs, access to credit facilities will be significantly increased and businesses will flourish. Regressesion models such as the one explained in this chapter may be imbedded in psychometric tools to enhance creditworthiness testing and improve the quality of loans that banks give.

Author(s):  
Dmitry Shevchenko ◽  
Ellah Igoche Godwin

This chapter uses the relationship between behavioral factors and the creditworthiness of small-scale enterprises to increase access of SMEs to credit facilities. The inability of several small businesses to secure loans cannot be overemphasized. Heuristics affecting entrepreneurs are explained in this chapter, and a regression model showing the dependence of creditworthiness on behavioral factors is proposed. If banks consider using psychometric tools in testing for creditworthiness of small-scale entrepreneurs, access to credit facilities will be significantly increased and businesses will flourish. Regressesion models such as the one explained in this chapter may be imbedded in psychometric tools to enhance creditworthiness testing and improve the quality of loans that banks give.


Kybernetes ◽  
2014 ◽  
Vol 43 (9/10) ◽  
pp. 1372-1380
Author(s):  
Ann Morrison ◽  
Hendrik Knoche

Purpose – The purpose of this paper is to synchronize two courses to focus on the students working with learning and applying tools in the one course and acting on understandings gained to produce artefacts in the other. Design/methodology/approach – Working with real users throughout all stages of the design process, the authors structured two courses so findings from the evaluation methods learnt in the one course (their analyses) were directly acted on in the other (their re-designs). The authors fostered a group-spirited learning environment where students presented designs-in-process; explained the findings from focused evaluation methods using tangible representations; identified the relationship from these findings for subsequent re-design rationales; and discussed and critiqued each other's work using multiple feedback, teach-back and discursive strategies. Findings – The authors found that in-depth coverage of material, working with real data and users at all stages of assessment and producing visualizations from evaluations, naturally forced student motivation to act and redesign better solutions. The authors noted improved attendance and students reported high engagement and content appreciation. Research limitations/implications – Ensuring relevance, by adding larger context concerns, expansive critical methods and feedback processes in a cycle of understanding, acting, learning can have useful practical and social implications. This is germane when designing for quality of everyday use in, for example, education, urban environments and mobile applications. Practical implications – The paper includes implications for the development of learning environments where course and semester content is developed in tandem to support integrated learning by acting with project output and teach back “presentations” throughout the course. Originality/value – The paper proposes a unifying tandem approach to learning and applying evaluation tools with real users, teachback and acting to improve redesigns with potential to improve human computer interaction educational standards for learning and design outcomes.


Author(s):  
L. Anne Clyde

This paper for the Seventh International Forum on Research in School Librarianship describes a small-scale pilot study that is part of a much larger longitudinal study of “Research and Researchers in School Librarianship”. The pilot study is a preliminary attempt to address issues associated with determining the quality of the published research in the field of school librarianship. The main aims are first, to test the extent to which experienced evaluators agreed in their rankings of research articles on the basis of quality; and secondly, to investigate the ways in which experienced evaluators evaluate research articles. A qualitative, naturalistic research design is used. The data collection was still proceeding at the time the paper was being written; the conference presentation will therefore provide further information about the results of the data analysis and draw some conclusions from the analysis. However, it is already clear from the literature review that the relationship between research quality and the adoption of the results of that research in decision making is more complex than we have supposed.


Author(s):  
Ilaria Magnani

They are in a raft – real or metaphorical – and from there they try to rescue their lives and their stories, the characters of Sobrevivientes (2012), a novel by Argentine writer and journalist Fernando Monacelli awarded with the Clarín Prize. The text is inserted in the group not very extensive, but at this point not negligible by number and literary quality, of narratives that thematise the Falkland Islands war and, like the previous ones, presents a strong anti-heroic vein. The novel combines the years of military dictatorship and the war that ended it and looks at the consequences of the two events from a private and intimate environment. It not only denies the heroism of the combatants but tacitly equates them, as victims, with the opponents of the regime. The analysis is proposed, on the one hand, to consider this new ideological position, on the other hand, to emphasise the formal aspects of the novel – located between epistolary writing and intimate diary – and in the relationship with the other narratives of the war of the South Atlantic.


2018 ◽  
Vol 34 (1) ◽  
pp. 147-157
Author(s):  
Asep Kurniawan ◽  
Yun Yun

SMEs (Small and Medium-size Enterprise) in Indonesian are only growing in terms of quantity and undeveloped in terms of quality, which causing a decrease in competitiveness. The solution is not through the provision of financial approach but can be in a form of an agency that knows about the market or those who can provide knowledge about the quality of the product. The objective of this study is to analyze the competence of small businesses and business survival of SMEs in culinary field of Bandung. The analytical method used in this research is Confirmatory Factor Analysis (CFA). CFA method is used to measuring the relationship between each indicator to explain the competence of small business and business sustainability. Indicator of entrepreneur competence and business survival can be explained by all indicator researcher has been used. Small businesses of culinary in Bandung have a high category for the dimension of opportunity competency, organizing competency, strategy competency, social competency, and commitment competency. Nevertheless, there is still category of sufficient dimension, that is conceptual competency.


Author(s):  
Dwi Ratnaningsih ◽  
Waluyo Waluyo

<p class="Style1">Tax compliance is an important aspect to achieve maximum tax revenue target. This study aims to determine the relationship among variables Knowledge Taxpayer, Rates &amp; Tax Base, Complexity of The Rules, Tax Fairness, Administration and Advertisement Tax Procedures , Quality of Tax Officer, Penalties, Inspection And Control of The Billboard with the compliance of advertisement tax to the Local Tax Department of DKI Jakarta. This research was conducted by questionnaire survey method. The population in this study is advertisement tax payer, the one who serving advertisement in Jakarta. The sampling technique is purposive sampling random sampling, which in this case is limited to a specific subject that can provide the desired information. A total of 100 samples was selected based on the selection of this sample. The data was processed by multiple regression method. The results of this study show that the variable Taxpayers Knowledge, Tax fairness, Sanctions and Investigation and Control Billboard positive effect on advertisement tax compliance on the Local Tax Department of DKI Jakarta. Rates and Tax Base, as well as the complexity of the Regulation have a negative effect on the advertisement tax compliance. While the service factors that Administration and Procedures and Officer quality does not affect the advertisement tax.</p>


Author(s):  
Ludwig Huber ◽  
Denise Kubala ◽  
Giulia Cimarelli

Overimitation, the copying of causally irrelevant or non-functional actions, is well-known from humans but completely absent in other primates. Recent studies from our lab have provided evidence for overimitation in canines. Previously, we found that half of tested pet dogs copied their human caregiver's irrelevant action, while only few did so when the action was demonstrated by an unfamiliar experimenter. Therefore, we hypothesized that dogs show overimitation as a result of socio-motivational grounds. To test this more specifically, here we investigated how the relationship with the caregiver influenced the eagerness to overimitate. Given the high variability in the tendency to overimitate their caregiver, we hypothesized that not only familiarity, but also relationship quality influences whether dogs faithfully copy their caregiver. For this purpose, we measured on the one hand the overimitation tendency (with the same test as in the two studies before) and on the other hand the relationship quality between the dogs and their caregivers. Although not significant, results revealed that dogs who overimitated seemed to show more referential and affiliative behaviours towards the owner (like gazing, synchronization and greeting) than dogs who showed less or no copying of the irrelevant action. Possible reasons for these findings are discussed.


Author(s):  
Marina Povitkina ◽  
Simon Matti

Previous research on the relationship between quality of government (QoG) and environmental sustainability is scant, scattered across different disciplines, and is characterized by a disconnect between studies focusing on the effects of QoG on the micro level (individual behavior) and micro level (country policies and actions). The chapter synthesizes the different literatures on the connection between various elements of QoG, such as low levels of corruption, bureaucratic capacity, and rule of law, on the one hand, and environmental sustainability on the other hand. On the macro level, it theorizes the role of QoG in securing governments’ production of environmental public goods. On the micro level, the chapter discusses how QoG can shape cooperation in collective action dilemmas over natural resource use, as well as how it contributes to generating public support of and compliance with environmental policies.


2019 ◽  
Vol 9 (11) ◽  
pp. 1571-1574
Author(s):  
A. Na-Er ◽  
Yunhong Liu ◽  
Yanjun Gan

Background: The risk of post-operative infection still accounts for a high proportion among the patients. The peptidoglycan on Staphylococcus aureus promotes cellular invasiveness and adhesiveness of tumor cells by pathways activation, including NF-kB, STAT3 and Smad3. Methods: This study included 132 patients age ranging from 45–55 that have been diagnosed with IIA phase breast cancer based on the TNM classification system in one hospital located in the relatively high-income area. These patients have been scheduled the operations and are distributed into two groups: one group will be given certain dosage of antibiotics on presumed Staphylococcus aureus infections, and another group will not be given any unnecessary antibiotics before surgery. Results: We found that 6 patients present surgical site infection related Staphylococcus aureus, with 1 patient in the antibiotics group and the other 5 patients are in the non-antibiotics group. Within the one-year period after surgery, 4 patients presented with metastasis to adjacent lymph nodes, 3 patients are in the non-antibiotics group and another one in the antibiotics group. Conclusion: Early intervention could be an accessible method to decrease the incidence of surgical site infection, which has been illustrated in this study. We consider to take preventive dosage of antibiotics before surgery, which could improve the prognosis of breast cancer and their quality of life in a larger extent.


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