scholarly journals ANALYSIS OF ECONOMIC AND TECHNOLOGICAL STRATEGIC FACTORS AFFECTING THE PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES OF APPAREL SECTOR IN PAKISTAN

2014 ◽  
Vol 10 (2) ◽  
Author(s):  
Riaz H. Soomro ◽  
Keyword(s):  
Interest Rates ◽  
Small And Medium Enterprises ◽  
Technological Factor ◽  
Primary Data ◽  
Structured Interviews ◽  
Factors Affecting ◽  
Strategic Factors ◽  
Definition Of ◽  
Medium Enterprises ◽  
Factors Affecting Performance

Purpose: The objective of the study is to explore and examine the economic and technological environmental factors affecting the performance of apparel SMEs in Pakistan.. Methodology/Sampling: This study contains a qualitative as well quantitative analysis. Primary data was collected through a questionnaire and structured interviews of the representatives of the apparel sector associations. Those apparel firms were selected that qualified as apparel SMEs as per definition of SME policy (SME Policy 2007, 2007). Findings: Study concludes that interest rates, devaluation and inflation significantly affect the performance and demand dynamics, regional economic cooperation and the only technological factor spending in information technology, do not significantly affect the performance of apparel SMEs in Pakistan. Practical Implications: This study will help managers to take preemptive measures to minimize effect of economic & technological factors affecting performance of SMEs.

The Factors Affecting Supplier Relationship Management in the Food Manufacturing Small and Medium Enterprises (SMEs) in Dar es Salaam Tanzania

2020 ◽  
Vol 2 (1) ◽  
pp. 25-34
Author(s):  
Jesca Mhoja Nkwabi ◽  
Julia Fallon
Keyword(s):  
Small And Medium Enterprises ◽  
Relationship Management ◽  
Dar Es Salaam ◽  
Government Support ◽  
Structured Interviews ◽  
Supplier Relationships ◽  
Food Manufacturing ◽  
Factors Affecting ◽  
Medium Enterprises ◽  
Production Capacities

The Tanzanian food industry is one of the most critical sectors in the country. Small and medium enterprises (SMEs) are the largest processors of food. Although SMEs mostly deal with processing food, they still face challenges, especially with their suppliers. Though previous researchers have investigated partnership issues in SMEs, little has been reported on the factors that impact the supplier relationships found in food manufacturing SMEs. This study employed a qualitative design where semi-structured interviews with 13 experts were conducted to identify the factors that impede SRM in Dar es Salaam. The findings reveal that poor relationship management, poor storage facilities, poor transportation and inadequate production capacities are the main challenges affecting SRM within these firms. To overcome these challenges, it has been recommended to improve the supplier relationships through being transparent, fostering trust and sharing quality information with the suppliers on time. Furthermore, investment in technology has been recommended to reduce costs and to enhance the information sharing between suppliers and SMEs. Government support is required with regard to financial aid and the improvement in the infrastructure to facilitate the easier flow of goods from SMEs to the customers.

scholarly journals The factors affecting accessibility to credit capital of small and medium enterprises in Vietnam

2019 ◽  
Vol 15 (6) ◽  
pp. 15-25
Author(s):  
Phung The Dong ◽  
Nguyen Thi Hong Nham
Keyword(s):  
Interest Rates ◽  
Small And Medium Enterprises ◽  
Probit Model ◽  
Bank Loans ◽  
Bank Loan ◽  
Factors Affecting ◽  
Business Loan ◽  
The Government ◽  
Medium Enterprises ◽  
The Impact

The difficulty in accessing loans is one of the major barriers to the development of small and medium enterprises (SMEs) in Vietnam. Low accessibility to capital forces SMEs to spend both official and unofficial costs in order to obtain loans, and/or to access the unofficial market at higher interest rates, thereby increasing cost of production of enterprises. Studies suggest that the determinants of bank loan processing through which small and medium enterprises can access official loans include: characteristics of enterprises; indicators, reflecting the performance of enterprises; characteristics of loans; characteristics of enterprises, enterprise owners; geographical position of enterprises; the creditworthiness of enterprises and the role of the network.Purpose of the study.The aim of this paper is the quantitative analysis of the factors, affecting accessibility to credit capital of small and medium enterprises in Vietnam.Materials and methods.This study was conducted on the basis of a survey in December 2017. The survey includes 301 enterprises in Hanoi city. Selected enterprises are also enterprises, surveyed in the annual enterprise survey by the General Statistics Office of Vietnam. This paper uses the Probit and Logit regression approach to estimate the impact of factors, affecting the disbursement probability of a loan of an enterprise. The number of SMEs accounts for 56.69% of the samples. The number of enterprises, applying for a bank loan accounts for 58.4% of the total samples, of which the percentage of disbursed loans for SMEs accounts for only 47.3%. For enterprises without a bank loan, eliminating the reasons for the lack of demand and unwish to be in debt, the main reasons not to access bank loans are high interest rates, complicated loan procedures and insufficient collateral.Results.The results obtained from the Logistic and Probit models show that the estimated coefficients are statistically significant, affecting the probability of taking a business loan, accepted by financial institutions. Although the coefficients, estimated from Logistics model are larger than those estimated from the Probit model, the estimated results show that the direction of impact of the variables in two estimation techniques gives quite similar results.Conclusion.Based on the results of this study, the Government of Vietnam should implement policies to support SMEs in the direction of improving their access to capital. The credit institutions should design products and services suitable to the characteristics of SMEs in Vietnam.

scholarly journals ANALYSIS OF FACTORS AFFECTING THE IMPLEMENTATION OF FINANCIAL ACCOUNTING STANDARDS FOR MICRO, SMALL AND MEDIUM ENTITIES (SAK-EMKM) ON SHARIA-BASED MSMEs IN KUDUS REGENCY

2021 ◽  
Vol 6 (2) ◽  
pp. 79
Author(s):  
ZULIYATI ZULIYATI ◽  
ZULIYATI ZULIYATI ◽  
INDRIANINGRUM INDRIANINGRUM
Keyword(s):  
Quantitative Research ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Accounting Standards ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Financial Accounting ◽  
Primary Data ◽  
Factors Affecting ◽  
Medium Enterprises

The purpose of this study is to analyze the effect of owner perceptions, education, socialization, business scale and business age on the application of the Accounting Standards for Micro, Small and Medium Enterprises (SAK EMKM) on sharia-based MSMEs in Kudus Regency. This study uses a quantitative research design, with the data used are primary data obtained from respondents through questionnaires, with the method of analysis using multiple linear regression analysis. A sample of 100 used purposive sampling technique with the criteria of Sharia-based MSMEs in Kudus Regency. The results showed that the variable owner perception, business scale, and business age had no effect on the application of SAK EMKM. Education and socialization have a positive effect on the implementation of SAK EMKM. The limitations of this study are that the independent variable is only able to influence the implementation of SAK EMKM by 28% and the object is only limited to sharia based MSMEs in Kudus Regency, so it cannot be generalized.

The Factors Affecting Supplier Relationship Management in the Food Manufacturing Small and Medium Enterprises (SMEs) in Dar es Salaam Tanzania

2020 ◽  
pp. 25-34
Keyword(s):  
Small And Medium Enterprises ◽  
Relationship Management ◽  
Dar Es Salaam ◽  
Government Support ◽  
Structured Interviews ◽  
Supplier Relationships ◽  
Food Manufacturing ◽  
Factors Affecting ◽  
Medium Enterprises ◽  
Production Capacities

The Tanzanian food industry is one of the most critical sectors in the country. Small and medium enterprises (SMEs) are the largest processors of food. Although SMEs mostly deal with processing food, they still face challenges, especially with their suppliers. Though previous researchers have investigated partnership issues in SMEs, little has been reported on the factors that impact the supplier relationships found in food manufacturing SMEs. This study employed a qualitative design where semi-structured interviews with 13 experts were conducted to identify the factors that impede SRM in Dar es Salaam. The findings reveal that poor relationship management, poor storage facilities, poor transportation and inadequate production capacities are the main challenges affecting SRM within these firms. To overcome these challenges, it has been recommended to improve the supplier relationships through being transparent, fostering trust and sharing quality information with the suppliers on time. Furthermore, investment in technology has been recommended to reduce costs and to enhance the information sharing between suppliers and SMEs. Government support is required with regard to financial aid and the improvement in the infrastructure to facilitate the easier flow of goods from SMEs to the customers.

scholarly journals BANK CREDIT ACCESSIBILITY FOR SMALL AND MEDIUM ENTERPRISES IN HO CHI MINH CITY, VIETNAM

2021 ◽  
pp. 35-46
Author(s):  
Tran Huu Ai ◽  
Nguyen Thi Mong Thu
Keyword(s):  
Small And Medium Enterprises ◽  
Business Plan ◽  
Bank Credit ◽  
Ho Chi Minh City ◽  
Primary Data ◽  
Firm Characteristics ◽  
Factors Affecting ◽  
Related Data ◽  
Medium Enterprises ◽  
The Impact

This study examines the impact of firm characteristics on SMEs' access to bank crediting. The study used primary data taken from a survey questionnaire of 269 SMEs that collected credit-related data concerning SMEs. Regression analysis is applied to identify the factors affecting the accessibility of bank credits. SPSS 22.0 software was used for further analysis. The results show that the characteristics of business affecting the ability to access bank credit include: enterprise's location, equity, business plan, collateral, project value and firm tax number. The factors of business plan and project value are the two most influential ones.

scholarly journals Factors affecting the use of accounting information in small and medium enterprises (SMEs): a study on SMEs in Tingkir, Salatiga

2019 ◽  
Vol 9 (2) ◽  
pp. 207
Author(s):  
Maria Entina Puspita ◽  
Joko Pramono
Keyword(s):  
Educational Level ◽  
Small And Medium Enterprises ◽  
Statistical Tests ◽  
Accounting Information ◽  
Primary Data ◽  
Testing Hypotheses ◽  
Factors Affecting ◽  
Medium Enterprises ◽  
The Relationship ◽  
Positive Effect

This study aims to examine the effect of business turnover, business’ age, educational level, accounting knowledge, accounting training and owner motivation on the use of accounting information in Small and Medium Enterprises (SMEs) in Tingkir, Salatiga City. The data were collected using accidental sampling where the respondents were SMEs who were willing as the respondents for this research. This study used primary data in the form of questionnaires for 30 respondents. This is an explanatory study with a quantitative approach to explain the relationship between variables by testing hypotheses and conducting statistical tests. Data were analyzed using multiple linear regression. The results showed that only accounting training was statistically proven to have a positive effect on the use of accounting information for SMEs in Tingkir Salatiga. Other variables such as business turnover, business’ age, educational level, accounting knowledge and motivation were not statistically proven to have an effect on the use of accounting information in these SMEs.

scholarly journals THE ROLE OF INVESTMENT-BASED ISLAMIC CROWDFUNDING FOR HALAL MSMEs: EVIDENCE FROM INDONESIA

2019 ◽  
Vol 11 (2) ◽  
Author(s):  
Zaki Abdullah ◽  
Akhmad Akbar Susamto
Keyword(s):  
Swot Analysis ◽  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Quantitative Approach ◽  
Minimum Amount ◽  
Primary Data ◽  
Factors Affecting ◽  
Negative Effect ◽  
Medium Enterprises ◽  
Financial Technology

Investment-based crowdfunding can be used as an alternative financing tool for Micro, Small and Medium Enterprises in Indonesia. Since the population in Indonesia is dominated by Muslim, Islamic financial technology companies that provide crowdfunding services are continue to emerge and develop. The development of these services also encourages the progress of the halal industry because both have integrated relationships. However, not all funding campaigns for crowdfunding services are successful. This study aims to analyze the development of Islamic crowdfunding business in Indonesia and factors affecting the success of funding campaigns in these services using multiple linear regression methods. Primary data obtained through interviews and literature review while secondary data is collected from 39 funding campaigns in 4 Islamic crowdfunding online services. It was found that the regulation of Islamic financial technology did not yet exist though in practice it was already widely found. On the other hand, crowdfunding models in Indonesia still need improvement in its scheme. By using a quantitative approach, it was found that funding target, campaign duration, payback periods and rate of return have a positive effect on campaign success, while a minimum amount of investment has a negative effect which means the minimum amount of investment available in the crowdfunding service is appropriate. After conducting research with a qualitative and quantitative approach, SWOT analysis was conducted at the end of the study to find out the challenges and opportunities for the halal industry in utilizing such Islamic crowdfunding service.

scholarly journals The Effect of Corporate Governance Practices on Performance of Deposit Taking Savings and Credit Cooperative Societies in Kiambu County, Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 64-81
Author(s):  
Esther Gitonga ◽  
Anne Miano
Keyword(s):  
Corporate Governance ◽  
Survey Design ◽  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Target Population ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Senior Managers ◽  
Factors Affecting ◽  
Medium Enterprises

Corporate governance is regarded as the key foundation upon which organizations are more productive, better managed and controlled. Performance has a link to good corporate governance for the sustainable organizational success. This project narrowed down specifically to the factor of corporate governance to determine the practice of corporate governance in SACCOs in Kiambu County, Kenya. The researcher used a descriptive survey design in soliciting information on the practice of corporate governance in SACCOs in Kiambu County, Kenya. The research also made use of both secondary and primary data. Secondary data was collected from statistical data available from the SASRA records and those from the Ministry of Cooperatives. Primary data was obtained by use of a closed ended questionnaire administered on senior managers of the sampled SACCOs. The target population was 8 deposit taking SACCOs and a total population of 200 SACCO managers in Kiambu County, Kenya. Each SACCO had a different number of respondents depending on its size and the number of senior managers in it.  Data analysis was done using Statistical Package for the Social Sciences (SPSS) to generate quantitative reports which is presented in this project in the form of tabulations, percentages and descriptive statistics and inferential data computed using a regression equation. The findings of this project are that the practices of corporate governance have a direct effect on the overall performance of SACCOs in Kiambu County, Kenya contributing to 70% of the factors affecting performance. Recommendations put forward from the findings of this project is that there is need to research on the effect of corporate governance on performance of other institutions such as commercial banks, microfinance institutions and small and medium enterprises. The findings of the research include the finding that majority of those in senior positions in the SAACOs sampled are men at 64% of the sample size while women are at 36%. Another finding of the research is that majority of those in senior management positions are persons aged between 40 and 59 years. The research further brought out the fact that majority of the respondents comprising of 39% had held their current position for a period of between 4 and 6 years while 42% of the respondents had worked in the SACCO for a period of between 10 and 12 years. One of the recommendations from the research is on the need to have increased disclosure of information to the shareholders. A further recommendation was the need to train the board of governance often on corporate governance so as to better equip them to uphold the practice in their respective SAACOs. A final recommendation is the need for further research by other scholars.

scholarly journals Appraisal of Factors Influencing Small and Medium Enterprises (SMES) in Textile Sub-sector in Yoruba Land, Southwest Nigeria

2019 ◽  
pp. 1-9
Author(s):  
T. S. Kareem ◽  
K. O. Oyeniyi ◽  
F. A. Ajiboye
Keyword(s):  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Primary Data ◽  
Motivating Factors ◽  
Economic Activities ◽  
Factors Affecting ◽  
Factors Influencing ◽  
Job Opportunities ◽  
Southwest Nigeria ◽  
Medium Enterprises

SMEs in the textile sub-sector are the main players in domestic economic activities, especially as providers of job opportunities for unemployed youths. However, the sector has been devilled by the high influx of counterfeit and smuggled goods which have resulted in low patronage of Nigerian-made textiles materials. This study, therefore, seeks to appraise the factors influencing SMEs in the textile sub-sector in Yoruba Land, Southwest, Nigeria. Purposive sampling technique was employed to select 50 indigenous textile entrepreneurs from Iseyin, Oyo State, Nigeria. The study employed primary data, sourced through structured questionnaire Descriptive statistics such as frequency, simple percentage, and mean were used to analyze the data. Results reveal that the major motivating factors are; employment generation, to have control over life, opportunity to create a fortune, high job security, and impressive profit attraction. Results also reveal that the high influx of counterfeit and smuggled goods are most factors affecting the performance of SMEs in textiles in Nigeria. Subsequently, the study recommends that the federal government should earmark a substantial amount to bail out the SMEs in the textile sub-sector and also to ban the importation of textiles. This will ultimately drive many young graduates into the sector.

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