ACCESS TO MICROCREDIT DETERMINANTS AND FINANCIAL PERFORMANCE OF SMALL AND MEDIUM RETAILING ENTERPRISES IN WAJIR COUNTY, KENYA

Purpose: The purpose of the study was to establish the effect of determinants of access to microcredit on financial performance of retailing SMEs in Wajir County, Kenya.Methodology: The study adopted a descriptive survey research design. The target population comprised of all the 5000 retailing small and medium enterprises in Wajir County where the units of analysis were the SME owners. The study used stratified random sampling and simple random sampling technique to come up with the sample. The target population was stratified into 6 strata (the 6 sub-counties in Wajir County). Further, random sampling was used to select 146 SMEs from each sub-county. The study used primary data which was largely quantitative and descriptive in nature. The questionnaires were self-administered with the help of two research assistants. The data analysis was undertaken using SPSS Version 20 where the statistics generated included descriptive statistics and inferential statistics.Results: The study findings revealed that savings, meeting the eligibility criterion, loan structuring and some socio economic characteristics positively and significantly affected the financial performance of SMEs in Wajir County.Unique contribution to theory, practice and policy: the study recommended that SMEs should take the initiative to increase the amount they saved so that they could increase their borrowing capacity. The study also recommended that SME owners needed to take the initiative of ensuring that they were all the time able to meet the necessary requirements needed for obtaining loans especially their documentation, business and repayment plans and aim at ensuring that they acquired the necessary collateral. It was further recommended that MFIs needed to ensure that the loan structure presented to SMEs were favorable. The study also recommended that it was necessary for SMEs to expand/grow their asset base so as to increase the ability to repay the loans. They also needed to expand their networks especially within the financial institutions circles so that they could increase the trust the MFIs had on them and for easy considerations for loans.

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PENGARUH KINERJA FINANSIAL UMKM TERHADAP PENGEMBANGAN EKONOMI LOKAL DI KABUPATEN SIDOARJO

Journal of Sustainability Bussiness Research (JSBR) ◽

10.36456/jsbr.v1i1.2980 ◽

2020 ◽

Vol 1 (1) ◽

pp. 163-168

Author(s):

Julinda Prastika Pratama ◽

Teguh Purwanto ◽

Aji Prasetyo

Keyword(s):

Financial Performance ◽

Random Sampling ◽

Total Population ◽

Small And Medium Enterprises ◽

Sampling Technique ◽

Simple Random Sampling ◽

Local Economy ◽

Business Units ◽

Medium Enterprises

The business in Indonesia cannot be separated from the role of Micro, Small and Medium Enterprises (MSMEs) in the economy of a region. This study describes the assessment in a business unit's financial performance using NPM and ROE analysis methods The total population in this study was 448 business units that have been registered at the Department of Cooperatives and SMEs in Sidoarjo Regency and obtained a sample of 82 business units with a sampling technique that is simple random sampling. The results of hypothesis testing show that the assessment and picture of financial performance influences the development of the local economy in Sidoarjo Regency.

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The Role Of Human Resources Competency On SMEs Performance In Timor – Leste

Eduvest - Journal Of Universal Studies ◽

10.36418/edv.v1i11.259 ◽

2021 ◽

Vol 1 (11) ◽

Author(s):

Egidio Da Costa ◽

Niu Xiong ying

Keyword(s):

Random Sampling ◽

Sampling Method ◽

Small And Medium Enterprises ◽

Sampling Technique ◽

Simple Random Sampling ◽

Business Owners ◽

Measurement Scale ◽

Timor Leste ◽

Medium Enterprises

Small and medium enterprises (SMEs) play a large role in the economic development of each country. This can be seen from their contribution to the Gross Domestic Product (GDP). In addition, the existence of impact on the development of several countries, especially small and developing countries. This study was conducted with the aim of exploring the influence of skills, knowledge and abilities on the performance of SMEs with a quantitative approach. The population in this study was SMEs domiciled in Dili, Timor-Leste and the sampling Method was simple random sampling technique. The data collection was conducted by distributing questionnaires to 250 units of SMEs business owners and managers. The measurement scale Used was a Likert scale. The data were analyzed using SPSS version 23 with multiple regression analysis. The results of the F test (Simultaneous) analysis show that the skills (X1), knowledge (X2) and ability (X3) have positive and significant effects on SMEs’ performance (Y). While t test (Partial) results show skills is positive, but Do not significantly influence SMEs performance while knowledge and abilities show positive and significant effects on SMEs performance.

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Relationship lending and access to financial services by SMEs in Kenya

International Journal of Research in Business and Social Science (2147-4478) ◽

10.20525/ijrbs.v10i5.1242 ◽

2021 ◽

Vol 10 (5) ◽

pp. 235-244

Author(s):

Edward Kiring'a ◽

Fredrick W.S. Ndede ◽

Argan Wekesa

Keyword(s):

Financial Services ◽

Small And Medium Enterprises ◽

Critical Role ◽

Sampling Technique ◽

Credit Rationing ◽

Target Population ◽

Primary Data ◽

Relationship Lending ◽

Lending Institutions ◽

Medium Enterprises

Policymakers and scholars acknowledge the significance of small and medium enterprises in stirring the economic growth and development in developing and developed economies. In spite of the generally fast pace by which access to financial services for small and medium enterprises is being established, significant segments of the small and medium enterprises sector do not yet benefit from the expansion. This study, therefore, investigated the effect of relationship lending on access to financial services by small and medium enterprises in Kenya. The study was based on credit rationing theory and information asymmetry theory. The target population comprised 4,253 small and medium enterprises in Kenya. A sample size of 366 SMEs was used by the study. The study adopted a multistage sampling technique to obtain the SME respondents. Primary data was utilized and was acquired through semi-structured questionnaires. Data were analyzed using descriptive and inferential statistics utilizing Heckman two-stage regression model. The study findings showed that relationship lending had a positive and significant effect on access to financial services among SMEs in Kenya. The study concluded that relationship lending plays a critical role in access to financial services by SMEs in Kenya. The study recommends that SMEs owners should strive to meet the terms and conditions provided by lending institutions in their various financing practices while management of the lending institutions should adopt financing practices favorable to SMEs to increase their access to financial services.

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Pengaruh E-Commerce dan Efektivitas Kerja Pengguna Terhadap Kinerja Perusahaan Pada Usaha Kecil dan Menengah di Denpasar

E-Jurnal Akuntansi ◽

10.24843/eja.2018.v24.i03.p09 ◽

2018 ◽

pp. 1880

Author(s):

Ni Made Werin Sarastyarini ◽

I Ketut Yadnyana

Keyword(s):

Linear Regression ◽

Data Collection ◽

Random Sampling ◽

Sampling Method ◽

Small And Medium Enterprises ◽

Sampling Technique ◽

Simple Random Sampling ◽

Analytical Technique ◽

Work Effectiveness ◽

Medium Enterprises

The purpose of this study is to determine the effect of e-commerce and effectiveness of the user'swork on the company's performance on small and medium enterprises in Denpasar. The sampletaken is 88 of 766 SMEs using e-commerce in Denpasar. The sample in this research is determinedby probability sampling method with simple random sampling technique. Data collection was donethrough survey obtained by distributing questionnaires to the respondents. Respondents in thisstudy are business actors. Analytical technique used multiple linear regression with SPSS 22.0software. The results showed that the performance of companies in small and medium enterpriseswill increase if the business actors using e-commerce in running and developing business andimprovement on the effectiveness of e-commerce users will be followed also by improving theperformance of companies in small and medium enterprises thatuse e- commerce in Denpasar. Keywords: E-Commerce, User Work Effectiveness, Corporate Performance

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Pengaruh Sumber Permodalan Dan Pembinaan Pembiayaan Terhadap Keuntungan Usaha Mikro, Kecil Dan Menengah Anggota Koperasi Syariah Baitul Qiradh Baiturrahman Cabang Ulee Kareng

Jurnal Ilmiah Mahasiswa Pertanian ◽

10.17969/jimfp.v2i2.2864 ◽

2017 ◽

Vol 2 (2) ◽

pp. 314-321

Author(s):

Nuzulul Fikri ◽

Safrida Safrida ◽

Romano Romano

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Random Sampling ◽

Sampling Method ◽

Small And Medium Enterprises ◽

Linear Regression Analysis ◽

Sampling Technique ◽

Simple Random Sampling ◽

Multiple Linear Regression Analysis ◽

Medium Enterprises

Abstrak. Modal adalah salah satu faktor produksi yang berperan penting untuk meningkatkan keuntungan. Pembinaan pembiayaan merupakan program untuk memantau perkembangan usaha mikro kecil dan menengah yang memperoleh modal pinjaman. Penelitian ini bertujuan untuk mengetahui pengaruh modal sendiri, modal pinjaman dan pembinaan pembiayaan terhadap keuntungan usaha mikro kecil dan menengah (UMKM) anggota Koperasi Syariah Baitul Qiradh Baiturrahman Cabang Ulee Kareng. Populasi dalam penelitian ini adalah UMKM anggota Koperasi Syariah Baitul Qiradh Baiturrahman yang menerima modal pinjaman dan pembinaan pembiayaan. Teknik pengambilan sampel dilakukan dengan metode simple random sampling. Besarnya sampel dalam penelitian ini adalah sebanyak 24 sampel. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi linear berganda. Hasil penelitian menunjukan bahwa modal sendiri dan modal pinjaman berpengaruh nyata terhadap keuntungan UMKM, sebaliknya pembinaan pembiayaan tidak berpengaruh nyata terhadap keuntungan UMKM.The Influence Of Capital Resources And Financing Of Profits Micro, Small And Medium Of Islamic Cooperation Baitul Qiradh Baiturrahman Members Branch Ulee KarengAbstract. Capital is one of the factors of production which is essential to improve profits. Development of financing a program to monitor the development of micro, small and medium enterprises that obtain capital loan. This study aims to determine the influence of their own capital, loan capital and development funding to benefit micro, small and medium enterprises (MSMEs) Islamic Cooperative Baitul Qiradh Baiturrahman members Branch Ulee Kareng. The population in this study is the MSMEs Islamic Cooperative Baitul Qiradh Baiturrahman members, who received loan capital and financing guidance. The sampling technique is done by simple random sampling method. The sample size in this study is as much as 24 samples. The analytical method used in this research is multiple linear regression analysis. The results showed that equity and loan capital significantly affect profits of MSMEs, fostering financing otherwise not significantly affect profits of MSMEs.

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THE ANTITHETICAL EFFECT OF CYBERCRIME ON SMALL MEDIUM ENTERPRISE SMES: PUBLIC ASSESSMENT

10.53075/ijmsirq54216 ◽

2021 ◽

Vol 7 (7) ◽

pp. 479-481

Author(s):

Atianashie Miracle A ◽

◽

Elisha D'Archimedes Armah ◽

Nasiru Mohammed ◽

Sylvana Sackey-Sam ◽

...

Keyword(s):

Random Sampling ◽

Small And Medium Enterprises ◽

Simple Random Sampling ◽

Target Population ◽

Cross Sectional Study ◽

Cross Sectional ◽

Real Cost ◽

Medium Scale ◽

Equal Chance ◽

Medium Enterprises

Notwithstanding the emergent indications and fears about the effect of cybercrime, only a few speculative studies have explored the topic to complement those published by consultancy firms, cybersecurity companies, and private institutions. The review of all these studies shows that there is no consensus on how to delineate and measure cybercrime or its effect on Small and Medium Scale Enterprises. Against this background, this research paper had four objectives namely to: determine the effect of Cybercrime on Small and Medium Scale Businesses; identify the real cost of Cybercrime to Ghana SMEs; identify the reasons for the increase of cybercrimes in Ghana SMEs and; identify the causes of cybercrime in Ghana SMEs. A cross-sectional study is used to assess the burden of cost or IT needs of a population and are particularly useful in informing the planning and allocation of IT resources. The study consists of forty-nine (49) participants. The target population is small and medium enterprises in Ghana. Simple random sampling was used to recruit and select the study respondents. As the name implies, simple random sampling means that, in this case, small and medium enterprises in Ghana will be chosen entirely by chance, and each of these enterprises in Ghana has an equal chance or probability of being selected. Furthermore, eight small and medium enterprises in Ghana were involved. And these SMEs include businesses that buy and sell, transportation companies, etc. The findings of the research confirmed the assumptions put forward since there were statistically significant variations in the proportion of people who participated in cybercrime activities based on their age and the size of the business in which they worked.

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Analisis Kinerja Keuangan dengan Literasi Keuangan Syariah Sebagai Variabel Intervening

Inovbiz: Jurnal Inovasi Bisnis ◽

10.35314/inovbiz.v8i1.1297 ◽

2020 ◽

Vol 8 (1) ◽

pp. 113

Author(s):

Nurul Astutik ◽

Anna Widiastuti

Keyword(s):

Economic Development ◽

Financial Performance ◽

Performance Improvement ◽

Financial Literacy ◽

Small And Medium Enterprises ◽

Sampling Technique ◽

Primary Data ◽

Financial Satisfaction ◽

Medium Enterprises

Micro, Small and Medium Enterprises (MSMEs) have an important role for a country's economic development in addition to being able to absorb labor as well as its contribution to Gross Domestic Product (GDP), where MSMEs are the largest informal sector driver in Indonesia. One of the concerns of many countries is from the financial literacy that is owned, but for this research the sharia financial literacy dimension is used. This study aims to analyze the financial performance of ikat weaving in Troso Jepara through determinants namely hopelessness, religiosity and financial satisfaction with intervening Islamic financial literacy. Primary data were obtained from the results of questionnaire responses submitted to 88 respondents and analyzed with SPSS. Determination of the number of samples using the Slovin formula with the Incindental Sampling technique. The results of the study found that hopelessness did not affect islamic financial literacy, while religiosity influenced islamic financial literacy at MSMEs, while financial performance was only financial satisfaction variables that had an influence on performance improvement at MSME Weaving Ikats in Jepara Regency

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Financial Performance of SMEs in Kota Bharu, Kelantan During the COVID-19 Pandemic

Journal of Entrepreneurship and Business ◽

10.17687/jeb.v9i1.413 ◽

2021 ◽

Vol 9 (1) ◽

pp. 12-24

Author(s):

Nur Ain Ayunni Sabri ◽

Shamini Redyyar V.Saravanam ◽

Nurul Izyan Mat Daud ◽

Fatihah Mohd

Keyword(s):

Financial Performance ◽

Random Sampling ◽

Small And Medium Enterprises ◽

Simple Random Sampling ◽

Bank Credit ◽

Trade Off ◽

Factors Affecting ◽

Medium Enterprises ◽

The Relationship

The study identified the financial performance of Small and Medium Enterprises (SMEs) in Kota Bharu, Kelantan, specifically during the coronavirus disease (COVID-19) outbreak. Financial performance is a new but popular topic in this globalisation era, particularly during the pandemic. The study examined four factors: technology cost, bank credit, employee cost, and economic, focusing on SMEs in Kota Bharu, Kelantan. The main objective is to identify vital factors affecting SMEs’ financial performance in Kota Bharu, Kelantan and the relationship between technology cost, bank credit, employee cost, and economic towards the financial performance. Significantly, the study benefits SME entrepreneurs and upcoming entrepreneurs to identify the factors affecting the financial performance of SMEs. The Trade-Off Theory (TOT) was used to explain the study model. Besides, simple random sampling was used with 66 valid responses from SMEs in Kota Bharu, Kelantan tested and analysed using Google Form questionnaires.

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Analysis of the Sustainability of MSMEs in the Covid-19 Pandemic Era

JEJAK ◽

10.15294/jejak.v14i1.26342 ◽

2021 ◽

Vol 14 (1) ◽

pp. 183-199

Author(s):

Hamdan Hamdan

Keyword(s):

Human Resources ◽

Path Analysis ◽

Random Sampling ◽

Small And Medium Enterprises ◽

Sampling Technique ◽

Simple Random Sampling ◽

Total Sample ◽

Survey Method ◽

Medium Enterprises

Micro, Small and Medium Enterprises (MSMEs) have an important role in the economy of a nation. The aim of research was to know the factors that can increase and effect on increasing of the competitiveness of MSMEs. To achieve this goal, a study was conducted on MSMEs in Regency and Serang City through a population of 26,909. Survey method was used to achieve this goal, while the sampling technique was simple random sampling. Based on this technique, a total sample size of 100 MSMEs was obtained, while the analysis in achieving the objectives used path analysis. The results showed that the innovation variables and the quality of human resources had an effect on the competitiveness of MSMEs. The variable which is significant and affects the competitiveness of MSMEs is the variable of human resources. Theoretically, human resources have a more important role in increasing the competitiveness of MSMEs compared to innovation

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PENGARUH PENDIDIKAN, TRUST, DAN POWER TERHADAP KEPATUHAN PAJAK

Edukasi: Jurnal Pendidikan ◽

10.31571/edukasi.v19i1.2333 ◽

2021 ◽

Vol 19 (1) ◽

pp. 46

Author(s):

Popi Fauziati ◽

Nailal Husna ◽

Helmawati Helmawati

Keyword(s):

Random Sampling ◽

Small And Medium Enterprises ◽

Tax Compliance ◽

Sampling Technique ◽

Simple Random Sampling ◽

Government Power ◽

Research Population ◽

Trust And Power ◽

Medium Enterprises ◽

The City

AbstrakPenelitian bertujuan untuk menguji pengaruh pendidikan, kepercayaan (trust), dan kekuasaan pemerintah (power) tehadap kepatuhan pajak pada Usaha Mikro, Kecil, dan Menengah di Kota Padang. Metode penelitian yang digunakan dalam penelitian ini adalah metode kuantitatif. Populasi penelitian adalah Wajib Pajak Orang Pribadi yang memiliki usaha yang terdaftar di Kantor Pelayanan Pajak Pratama Padang yang berjumlah 76.236 orang. Sampel penelitian sebanyak 105 orang yang dipilih menggunakan teknik simple random sampling. Alat pengumpulan data menggunakan kuesioner. Data yang diperoleh dianalisis menggunakan uji regresi. Hasil penelitian menunjukkan bahwa pendidikan, trust, dan power secara bersama-sama berpengaruh terhadap kepatuhan pajak. Secara parsial, pendidikan tidak berpengaruh terhadap kepatuhan pajak, sedangkan trust dan power memengaruhi kepatuhan pajak. AbstractThis research aimed to examine the effect of education, trust, and government power on tax compliance in Micro, Small, and Medium Enterprises in the city of Padang. The research method used in this research was the quantitative method. The research population was an individual taxpayer who had a business registered at the Padang Primary Tax Office, amounting to 76,236 people. The research sample was 105 people who were selected using a simple random sampling technique. The data collection tool used a questionnaire. The data obtained were analyzed using a regression test. The results showed that education, trust, and power together have an effect on tax compliance. Partially, education has no effect on tax compliance, while trust and power affect tax compliance.

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