scholarly journals “Zeropay”

2020 ◽  
Vol 7 (3) ◽  
pp. 47-69
Author(s):  
June-Suh Cho
Keyword(s):  
Government Policy ◽  
Small Businesses ◽  
Business Owners ◽  
Smartphone App ◽  
Small Business Owners ◽  
Qr Code ◽  
Metropolitan Government ◽  
The Government ◽  
Money Transfers ◽  
Fee Payment

ZeroPay is a “zero-fee payment service,” which is designed to help small businesses. It is a QR code-based mobile secure payment service that the government, Seoul Metropolitan Government (SMG), bank, and private settlement providers cooperate to reduce small business owners' commission burden. When a consumer recognizes a QR code as a smartphone app, the fees charged by the merchant's franchisee will either be lost or significantly lowered as money transfers from the consumer account to the merchant account. SMG started to ease commissions' burden on small businesses suffering from recession, rising rents, and card fees. However, because of this service started with government policy, ZeroPay started with many controversies, and these issues need to be addressed for the service to settle down stably. The main discussion of this paper is that this service will be applied successfully to the market. The author discusses how the SMG efforts settle successfully with strategically initiated services.

“Zeropay”

2021 ◽  
pp. 648-666
Author(s):  
June-Suh Cho
Keyword(s):  
Government Policy ◽  
Small Businesses ◽  
Business Owners ◽  
Smartphone App ◽  
Small Business Owners ◽  
Qr Code ◽  
Metropolitan Government ◽  
The Government ◽  
Money Transfers ◽  
Fee Payment

ZeroPay is a “zero-fee payment service,” which is designed to help small businesses. It is a QR code-based mobile secure payment service that the government, Seoul Metropolitan Government (SMG), bank, and private settlement providers cooperate to reduce small business owners' commission burden. When a consumer recognizes a QR code as a smartphone app, the fees charged by the merchant's franchisee will either be lost or significantly lowered as money transfers from the consumer account to the merchant account. SMG started to ease commissions' burden on small businesses suffering from recession, rising rents, and card fees. However, because of this service started with government policy, ZeroPay started with many controversies, and these issues need to be addressed for the service to settle down stably. The main discussion of this paper is that this service will be applied successfully to the market. The author discusses how the SMG efforts settle successfully with strategically initiated services.

scholarly journals Análisis de la aplicación de los incentivos tributarios para las pequeñas empresas del sector de alimentos del cantón Quito / Analysis of application of tax incentives for small businesses of the food industry in Quito City, Ecuador

Ciencia Unemi ◽  
2016 ◽  
Vol 9 (19) ◽  
pp. 11
Author(s):  
Sandra Patricia Galarza Torres ◽  
Lorenzo Armijo Robles ◽  
Juanita Garcia Aguilar ◽  
Ximena Acosta
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Food Industry ◽  
Tax Incentives ◽  
Business Owners ◽  
Point Of View ◽  
Small Business Owners ◽  
Business Sector ◽  
The Government ◽  
Trade And Investment

El presente estudio tiene por objeto analizar los resultados que han generado los incentivos tributarios establecidos en el Código de la Producción, Comercio e Inversión (COPCI) publicado en el registro oficial No. 351 del 29 de diciembre de 2010, en las pequeñas empresas del sector de alimentos del Cantón Quito, Ecuador. Para su desarrollo se utilizó la información financiera del período 2010-2012, investigación documental basada en fuentes bibliográficas, aplicación de encuestas a gerentes y propietarios de pequeñas empresas del sector de alimentos y entrevistas a funcionarios públicos. Los resultados mostraron que los incentivos establecidos en el COPCI pueden resultar atractivos desde el punto de vista económico y tributario para el gobierno, sin embargo, para las pequeñas empresas del sector de alimentos del cantón Quito, estos no han generado mayor beneficio en temas de empleo, producción, inversión y recaudación tributaria. Abstract The present study aims to analyze the results that have generated tax incentives established in the Code of Production, Trade and Investment (COPCI) published in the Official Register No. 351 of December 29, 2010, in the small business sector of food of Quito Canton, Ecuador. For the development of this research, the 2010-2012 period of financial information, documental research based on literature sources, application surveys to managers and small business owners, and interviews with industry officials were used. The results showed that the incentives established in the COPCI may be attractive from the point of view of the government about economics and taxes; however, for small businesses of the food industry Quito city, they have not generated the greatest benefits on employment issues, production, investment and tax collection.

scholarly journals Efectos de la transición al RIF de microempresas de la ciudad de Valle de Santiago, Guanajuato

2019 ◽  
pp. 1-11
Author(s):  
Sandra Ivette GARCÍA-PICHARDO ◽  
José Luis BÁRCENAS-PUENTE ◽  
Juan SILVA-CONTRERAS ◽  
Jorge Luis MONCADA-MORALES
Keyword(s):  
Tax Evasion ◽  
Small Businesses ◽  
Tax Reform ◽  
Radical Change ◽  
Structured Interview ◽  
Business Owners ◽  
Small Business Owners ◽  
Interview Technique ◽  
The Government ◽  
The City

As a measure to reduce tax evasion and informality, the Fiscal Incorporation Regime (RIF) arises with the 2014 tax reform, which generated a radical change in tax obligations and in the way taxpayers must comply, a situation that It mainly affects micro and small businesses, so this work aims to identify the affectations and benefits derived from the incorporation into the RIF of micro-enterprises in the city of Valle de Santiago, Guanajuato; It is based on a qualitative study, applying the in-depth semi-structured interview technique to 30 taxpayers who have been taxing in the RIF since January 1, 2014. The main results indicate that the tax reform is not entirely negative, the intention of the government of reducing informality has been met, however, the execution has setbacks, as small business owners do not have a sufficient fiscal culture or technological preparation to fulfill their obligations on their own, in addition to the fact that the increase in operating expenses represents a strong load for companies, a situation that places them at a disadvantage with respect to their competitors.

Measuring Success in Family Businesses: The Concept of Configurational Fit

2006 ◽  
Vol 19 (2) ◽  
pp. 115-134 ◽  
Author(s):  
Christoph Hienerth ◽  
Alexander Kessler
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Business Owners ◽  
Border Region ◽  
Small Business Owners ◽  
Comparable Data ◽  
Measurement Instruments ◽  
Success Measurement ◽  
Success Evaluation ◽  
As Effects

The problems associated with measuring success in small businesses are primarily caused by a lack of comparable data due to the ambiguity of “success” and by subjective biases. Success evaluation is dominated by the estimates of business owners, who tend to overestimate overall success and internal strengths. However, reliable success measurement instruments would be useful for small business owners/managers as well as small business policymakers. The main purposes of this article are to compare various measures of success, to explore the differences in their outcomes, and to analyze whether a model of success measurement using configurational fit can be used to overcome subjective biases. The study is based on a recent survey of 103 small family-owned businesses in the eastern Austrian border region. Our analysis of the data confirmed the existence of the measurement problems mentioned above. Although some individual indicators show significant biases as well as effects due to company age, size, and industry, the aggregated indicator based on the concept of configurational fit seems to be an appropriate means of overcoming most of these drawbacks.

scholarly journals PENINGKATKAN KEMANDIRIAN USAHA PARA PELAKU UMKM MELALUI PERILAKU KEWIRAUSAHAAN [INCREASE OF ENTREPRENEURIAL INDEPENDENCE OF SMALL BUSINESS OWNERS THROUGH ENTREPRENEURIAL VALUE]

2021 ◽  
Vol 1 (2) ◽  
pp. 84
Author(s):  
Vincent Feriano Mulja ◽  
Jacquelinda Sandra Sembel
Keyword(s):  
Structural Equation Modelling ◽  
Small Businesses ◽  
Structural Equation ◽  
Business Owners ◽  
Small Business Owners ◽  
Entrepreneurial Behavior ◽  
Sharp Decline ◽  
Entrepreneurial Spirit ◽  
Equation Modelling ◽  
One Year

<p>This research was triggered by the massive disruption caused by COVID-19 pandemic which has heavily affected small businesses in a negative way. The unprecedented pandemic resulted in a sharp decline in the number of micro businesses in affected areas in Indonesia, including Semarang. Thus, there is an urgent need to revive micro businesses. This research aims on analyzing the effect of entrepreneurial spirit and values through entrepreneurial behavior to develop business independence. Data analysis in this study was conducted using Structural Equation Modelling (SEM). Research samples consisted of 200 entrepreneurs in Semarang who have run their businesses for more than one year. The findings show that there is an effect of entrepreneurial value and spirit on entrepreneurial independence directly and through entrepreneurial behavior.</p><p><strong>BAHASA INDONESIA ABSTRACT:</strong></p><p>Penelitian ini dipicu oleh disrupsi secara massif pada usaha kecil di daerah-daerah terdampak di Indonesia di masa pandemi COVID-19, Semarang. Untuk itu perlu adanya upaya untuk membangkitkan kembali geliat para pelaku bisnis kecil menuju kemandirian usaha. Penelitian ini bertujuan untuk mengetahui keterkaitan antara jiwa kewirausahaan para pelaku usaha dan nilai kewirausahaan yang mereka yakini, yang dapat meningkatkan kemandirian usaha melalui perilaku usaha. Penelitian ini menggunakan <em>Structural Equation Modelling</em> (SEM) untuk melakukan analisis data. Sampel penelitian terdiri dari 200 wirausahawan di Semarang yang sudah menjalani usaha selama lebih dari satu tahun. Hasil penelitian menunjukkan bahwa jiwa kewirausahaan dan nilai kewirausahaan berpengaruh terhadap kemandirian usaha baik secara langsung mampun melalui perilaku kewirausahaan. Perilaku kewirausahaan berpengaruh positif terhadap kemandirian usaha.</p>

scholarly journals The perception of sponsorship usefulness among South African small business owners

2014 ◽  
Vol 11 (4) ◽  
pp. 475-488
Author(s):  
Catherine Mpolokeng Sephapo ◽  
Johannes Arnoldus Wiid ◽  
Michael Colin Cant
Keyword(s):  
South Africa ◽  
Small Business ◽  
South African ◽  
Small Businesses ◽  
Brand Image ◽  
Business Owners ◽  
Small Business Owners ◽  
Web Based ◽  
Marketing Tool ◽  
Marketing Budgets

Sponsorship is a powerful marketing tool that organisations in South Africa are embracing. From the evaluation of the sponsorship growth over the years, the industry in South Africa has developed from a R63 million industry in 1985 to the value of just under R7 billion in 2011 (City Press, 2012). Small businesses in South Africa are faced with the challenge of effectively reaching target segments. These small businesses are restricted in terms of limited marketing budgets and therefore need alternative ways of improving their brands in the eyes of the consumer. Theoretically, sponsorship is considered to improve the brand image of an organisation and ultimately improve sales. However, the question that this study aims to answer is whether small business owners perceive sponsorship to be a useful tool that even they can utilise. The study made use of a quantitative approach whereby a web-based questionnaire was distributed to small business owners. The findings indicated that the general attitude towards sponsorship as a marketing tool is positive. The correlation between sponsor sincerity and sponsorship usefulness was found positive; however, average in strength. Although sponsorship is seen as a useful tool, 15.4% of the respondents indicated that they would not consider using this marketing tool. This response may provide an opportunity for further research to be conducted which may shed some light on the strategies small business owners perceive to be most effective for their unique circumstances

Growth and Development of Small Business Through Microfinance Activities in Nepal

2020 ◽  
Vol 1 (1) ◽  
pp. 26-34
Author(s):  
Chandra Prasad Dhakal
Keyword(s):  
Small Business ◽  
Financial Services ◽  
Small Businesses ◽  
Growth And Development ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Business Owners ◽  
Small Business Owners ◽  
Microfinance Institutions ◽  
Economic Activities

Small businesses play important role for economic development and stability. It develops access in financial services through enhancing economic activities. The study analyzes the growth and development of small businesses that enhance through the support of micro finance in Nepal. Descriptive and inferential were used to collected data and collected data were analyzed through using multiple linear regression analysis. Only 124 small business owners were selected for this study. The study helps to find out the growth of microfinance institutions (MFIs) and small businesses in emerging economy in Nepal. It also assists MFIs to assess the effectiveness of their services and help to efficient utilization of available resources in the economy of Nepal.

Introduction

2019 ◽  
pp. 1-20
Author(s):  
Courtney Lewis
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Structural Adjustment ◽  
Business Owners ◽  
Small Business Owners ◽  
Economic Stability ◽  
The Great Recession ◽  
Justice Movements ◽  
The Impact

This introduction describes how encouraging a diversity of small businesses can help support a Native Nation’s long-term economic stability, but goes further to demonstrate this uniquely through the eyes of the small-business owners themselves along with an in-depth examination of their local, national, and international contexts. In doing so, it describes how this book also addresses the ways in which Native Nations, by supporting small business resilience, are responding in politically and socioeconomically meaningful ways to settler-colonial economic subjugations. This introduction further describes how the book unpacks the layers of small-business complications specific to Native Nations and American Indian business owners while speaking to larger theoretical questions regarding the impact of small businesses in a global indigenous context. Debates regarding economic sovereignty versus economic power, measures of autonomy, land status, economic identity, fluctuating relationships with settler-colonial society, and the growth of neoliberalism (along with its accompanying “structural adjustment” policies) meet with specific practices, such as the implementation of guaranteed annual incomes, cultural revitalization actions, environmental justice movements, and the potentially precarious choices of economic development—issues that are exacerbated during times of economic precarity, such as the Great Recession.

The Most Critical Problem for the Fledgling Small Business: Getting Sales

1984 ◽  
Vol 9 (1) ◽  
pp. 26-33 ◽  
Author(s):  
Harriet Buckman Stephenson
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Government Regulation ◽  
Business Owners ◽  
Small Business Owners ◽  
Critical Problem ◽  
Paper Work ◽  
Stage 1 ◽  
Selling Process ◽  
Regulation Costs

The most pressing problem of small business owners is how to get sales now and in the future. Items such as inflation, taxes, government regulation, costs of paper work, etc. become more important as a small business moves beyond stage 1 and possibly 2. Yet even then, how to get customers should still be the significant focus. Many entrepreneurs, especially providers of services, rely almost exclusively on word-of-mouth, which is often ineffectively utilized and, as the major source of business, should not be relied on. The entire selling process must be focused on in the first stage to change the survival rate of small businesses.

scholarly journals Are international small business owners really that different?

2019 ◽  
Vol 27 (1) ◽  
pp. 92-117
Author(s):  
Sarah Gundlach ◽  
Andre Sammartino
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Business Owners ◽  
Small Business Owners ◽  
Female Entrepreneurs ◽  
Content Type ◽  
Individual Traits ◽  
Tolerance For Ambiguity ◽  
The Impact ◽  
Do So

Purpose The purpose of this paper is to investigate the impact of individual traits and attributes on the entrepreneurial and internationalization actions of Australian businesswomen, many of whom run small businesses. Design/methodology/approach This study is exploratory and quantitative, based on a questionnaire survey of 323 Australian businesswomen. Drawing upon the extant literature on internationalization, gender and entrepreneurship, the study explores two micro-foundational relationships of interest – personality and capability assessment differences between female business owners and their employed counterparts, and the impact of such traits and assessments on their internationalization. A further question is explored in terms of any differentials in perceptions of barriers in internationalization. Findings The findings show key personality dimensions do not differ dramatically between Australian businesswomen working in their own businesses (i.e. entrepreneurs) or as employees in organizations, while there are surprisingly few differences between women who are engaged internationally and those yet to do so. When comparing the female entrepreneurs and employees, in particular, the findings around tolerance for ambiguity and management efficacy are notably counterintuitive. This leads to the development of testable propositions to refine the causal claims in this domain. Practical implications The study calls into question the distinctiveness of entrepreneurs and entrepreneurial endeavors, at least for female businesswomen. Originality/value By including entrepreneurs and employees, women who have engaged internationally and those that are yet to do so, the study avoids some of the potential self-selection and confirmation biases inherent in studies of only entrepreneurs or small business owners. The investigation of individual traits, attributes and experiences as micro-foundations for internationalization motivations challenges existing theories of small business expansion.

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