scholarly journals Cooperative Banks in Greece and Small & Medium Enterprises Views at a Time of Credit Constraints

2020 ◽  
Vol 7 (2) ◽  
pp. 55
Author(s):  
John Mylonakis
Keyword(s):  
Financial Crisis ◽  
Commercial Banks ◽  
Credit Constraints ◽  
Regional Level ◽  
Financial Systems ◽  
Remote Areas ◽  
Cooperative Banks ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
Economic And Financial Crisis

Cooperative banks are among those credit institutions that have played an important role in the financial systems of many countries, usually operating supplementary to the traditional commercial banks, mainly at regional level and aiming mostly at supporting SMEs financial needs. They provide traditional banking products to local SMEs even in remote areas. The number of Cooperative Banks in Greece has been decreased from originally 16 banks to 6 in the second half of 2020. The scope of this paper is to examine the managers’ views of 158 SMEs towards Cooperative Banks’ support (banking facilities) over the economic and financial crisis period (2015-2019). The research was carried out the last three months of 2019, using constructed questionnaire to a random sample of 208 Cooperative Banks’ clientele in places where Cooperative Banks have branches. Research showed that SMEs have a quite good opinion for Cooperative Banks presence in Greece.

scholarly journals Are Cooperative Banks Better Equipped to Weather Financial Crisis than their Commercial Counterparts? Evidence from the Italian Banking Sector before and during the Credit Crisis

Organizacija ◽  
2016 ◽  
Vol 49 (2) ◽  
pp. 108-126
Author(s):  
Mitja Stefancic
Keyword(s):  
Financial Crisis ◽  
Cost Efficiency ◽  
Commercial Banks ◽  
Fixed Effects ◽  
Banking Sector ◽  
Policy Implications ◽  
Business Strategies ◽  
Economic Downturn ◽  
Credit Crisis ◽  
Cooperative Banks

Abstract Background and Purpose: The aim of this paper is to empirically investigate the performance of different types of Italian banks before and during the recent credit crisis with an emphasis on the behaviour of cooperative banks. It is well established in theory that cooperative banks follow more conservative business strategies and care more for stakeholders in comparison to commercial banks. On this background, the paper tries to show the empirical effects of those characteristics on the cooperative bank’s performance during financial distress compared to commercial banks. In fact, the paper can prove that Italian cooperative banks were less exposed to the shocks of the crisis and showed a better performance. Methodology: In order to assess whether cooperative banks performed differently at all from commercial banks during the 2005-2012 period, return on average assets (ROAA), cost efficiency and loan quality have been investigated by means of a sample of 594 Italian banks, pooled OLS and (when possible) a fixed effects estimator. Results: Overall, Italian cooperative banks performed better than other Italian banks during the financial crisis. The quality of loans deteriorated less in these banks than in others, while no significant differences have been observed in terms of ROAA and cost efficiency between these and other banks. Conclusion: My paper provides empirical evidence for a well established theoretically derived hypothesis: Italian cooperative banks operate differently than standard commercial banks which is especially noticeable during times of crisis. The fact empirically demonstrated that different banking models have shown different reactions to the financial crisis and economic downturn has important policy implications. Due to both characteristics of cooperative banks and severe limitations in the financial policies by the Italian government during the credit crisis an ironical pattern has emerged: While Italian cooperative banks were less exposed to the shocks of the crisis, they would have been less able to adjust to them since the financial rescue program was designed primarily for commercial banks.

PENGARUH PENYELENGGARAAN HAJI TERHADAP PENINGKATAN AKTIVITAS EKONOMl DI WILAYAH PROPINSI DKI JAKARTA

ALQALAM ◽  
2013 ◽  
Vol 30 (2) ◽  
pp. 380
Author(s):  
Chairul Akmal
Keyword(s):  
Secondary Data ◽  
Travel Agency ◽  
Economic Activities ◽  
Factors Affecting ◽  
Regression Methods ◽  
The Social ◽  
Travel Agencies ◽  
Relationship Model ◽  
Small Medium Enterprises ◽  
Medium Enterprises

This research analyzes some factors affecting economic activities in relation with the conduct of pilgrimage. Those factors are the pilgrimage cost, the amount of pilgrims, and the amount of pilgrimage officers. The objective of this research is to acquire the information of how each factor and all factors together affect the economic activities. This research also analyzes the effect of foods and drinks expenses, the effect of nonfoods and drinks expenses, and the effect of miscellaneous expenses on UMKM - Micro, Small, Medium enterprises' economic activities.             This research is conducted in DKI Jakarta in 2007. The population of this research is the average economic activities in DKI Jakarta in 2007. There are 42 respondents (Banks), 157 respondents (travel agencies), and 50 respondents (UMKM - Micro, Small, Medium enterprises) which are taken as samples from the population using the purposive sampling method. The data is obtained by the researcher using questioners and secondary data which is taken from 1990-2007.             The methodology used in this research is based on. the causal relationship model In testing the hypothesis of this research, the researcher uses the simple and multiple regression methods, and path analysis method. The significant rate a = 0,05 used in determining the interpretation of the statistic result. The data is processed using SPSS (Statistical Packages for the Social Sciences) version 12.00.             The results of the analysis in the 1st equation -are (i) the effect of the pilgrimage cost on banks' revenues is quite strong, (ii) the effect of the pilgrimage cost on travel agencies' revenues is quite strong, (iii) the effect of the pilgrimage cost on UMKM - Micro, Small, Medium enterprises' revenues is weak.             The results of the analysis in the 2nd equation are (i) the effect, of the amount of pilgrims on Banks' revenues is very weak, (ii) the effect of the amount of pilgrims on travel agencies' revenues is very weak, (iii) the effect of the amount of pilgrims on UMKM - Micro, Smal4 Medium enterprises' revenues is very weak.             The results of the analysis in the 3rd equation are (i) the effect of the amount of pilgrimage officers on banks' revenues is very weak, (ii) the effect of the amount of pilgrimage officers on travel agencies' revenues is very weak, (iii) the effect of the amount officers on UMKM-Micro, Small Medium enterprises' revenues is very weak.   The results of the analysis in the 4th equation are (i) the effect of all three factors which are the pilgrimage cost, the amount of pilgrims, and the amount of pilgrimage officers simultaneously on banks' revenues is very strong, (ii) The effect of all three factors which are pilgrimage costs, the amount of pilgrims, and the amount of pilgrimage officers simultaneously on travel agencies' revenues is strong, (iii) The effect of all three factors which are pilgrimage costs, the amount of pilgrims, and the amount of pilgrimage officers simultaneously on UMKM-Micro, Small Medium enterprises' revenues is strong.             The result of the analysis in the 5th equation is the effect of foods and drinks expenses on UMKM-Micro, Small Medium enterprises' revenues is weak. In the 6th equation, the effect of nonfoods and drinks expenses on UMKM-Micro, small Medium enterprises' revenues is weak. In the 7th equation, the effect of miscellaneous expenses on UMKM - Micro, Small Medium enterprises' revenues is quite strong. In the 8th equation, the effect of all three factors which are the effect of foods and drinks expenses, the effect of nonfoods and drinks expenses, and the effect of miscellaneous expenses simultaneously on UMKM-Micro, Small Medium enterprises' revenues is quite strong.             The implication of the research results mentioned above is the factors in the conduct of pilgrimage do increase the economic activities (Banks, Travel Agencies, and UMKM - Micro, Smal4 Medium enterprises) in DKI Jakarta. Therefore, considering that matter, the General Director of the conduct of pilgrimage division of Department of Religion Republic of Indonesia should determine the pilgrimage cost which is affordable, increase the service, and provide a good information system which will result in a better conduct of the pilgrimage. Key word: The Costs of Hajj, Hajj Officer, Travel Agency, UMKM

A Linear Programming Model for Product Mix Profit Maximization in A Small Medium Enterprise Company

2020 ◽  
Vol 6 (1) ◽  
Author(s):  
S Mohd Baki ◽  
Jack Kie Cheng
Keyword(s):  
Linear Programming ◽  
Production Planning ◽  
Business Performance ◽  
Programming Model ◽  
Profit Maximization ◽  
Optimal Level ◽  
Linear Programming Model ◽  
Product Mix ◽  
Small Medium Enterprises ◽  
Medium Enterprises

Production planning is often challenging for small medium enterprises (SMEs) company. Most of the SMEs are having difficulty in determining the optimal level of the production output which can affect their business performance. Product mix optimization is one of the main key for production planning. Many company have used linear programming model in determining the optimal combination of various products that need to be produced in order to maximize profit. Thus, this study aims for profit maximization of a SME company in Malaysia by using linear programming model. The purposes of this study are to identify the current process in the production line and to formulate a linear programming model that would suggest a viable product mix to ensure optimum profitability for the company. ABC Sdn Bhd is selected as a case study company for product mix profit maximization study. Some conclusive observations have been drawn and recommendations have been suggested. This study will provide the company and other companies, particularly in Malaysia, an exposure of linear programming method in making decisions to determine the maximum profit for different product mix.

The application of E-commerce among small medium enterprises : a case study in Kelantan

2007 ◽  
Vol 4 (2) ◽  
pp. 45
Author(s):  
Norudin Mansor ◽  
Che Ismail Long ◽  
Ahmad Ismail Mohd. Annuar
Keyword(s):  
Competitive Advantage ◽  
General Assumption ◽  
The State ◽  
Business Community ◽  
Research Project ◽  
Business Decision ◽  
Small Medium Enterprises ◽  
Medium Enterprises

The research project was conducted to investigate the understanding of E-commerce Application among the SMEs in the state of Kelantan. Focusing on the population of registered members of Dewan Perniagaan Melayu Malaysia, Kelantan, a total of302 respondents were selected to participate in our study. Moving in line with the general assumption of world business community it is agreed that e-commerce application is highly relevant for the survival and meeting the challenges of borderless economy. At the same time, the process of acquiring knowledge and understanding the environment, coping with changes, and speeding up the business decision, able to further enhance the competitive advantage of the SMEs. Using the established model, our investigation focused on 5 identifiable variables to demonstrate its usefulness towards motivating SMEs to adopt e-commerce. Our analysis indicated that all the selected variables were significant towards enhancing the application of e-commerce and thus maintaining competitive advantage in the industry.

The Impact of Business Mentoring on Micro, Small, Medium Enterprises Performance

2017 ◽  
Vol 1 (1) ◽  
pp. 31-37
Author(s):  
Mohammad Adrian ◽  
Hendrati Dwi Mulyaningsih ◽  
Santi Rahmawati
Keyword(s):  
Quantitative Research ◽  
Causal Analysis ◽  
Coefficient Of Determination ◽  
Mentoring Program ◽  
Simple Regression Analysis ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Impact ◽  
Necessity Entrepreneur ◽  
Simple Regression

This reasearch is conducted on MMSME (Micro Small Medium Enterprises) that are participated in the MMSME Syari’ah Mentoring Program by Academicians and Practitioners (PUSPA) organized by Bank Indonesia in Bandung. MMSME who participated in PUSPA program 2016 is MMSME that included in necessity entrepreneur where MMSME operated just to fullfil the life necessities. The purpose of this reasearch was to investigate the influence of the business mentoring on the MMSME performance in PUSPA program 2016. Researcher used quantitative research method. Data were analyzed using simple regression analysis and descriptive-causal analysis. The result showed that business mentoring affect the performance of MMSME that participated in PUSPA Program 2016. Based on the calculation, coefficient of determination (R2) can be seen the influence of business mentoring variable (X) on the performance (Y) is 74%. While the remaining 26% is influenced by other factors such as entrepreneurship competence and human resources.

THE IMPACT OF COMPETENCY ENTREPRENEURSHIP ON MICRO, SMALL, MEDIUM ENTERPRISES PERFORMANCE

2018 ◽  
Vol 1 (1) ◽  
pp. 31
Author(s):  
Elsa Nanda Utami ◽  
Hendrati Dwi Mulyaningsih
Keyword(s):  
Quantitative Research ◽  
Sampling Technique ◽  
Total Sample ◽  
Mentoring Program ◽  
Financial Term ◽  
Simple Regression Analysis ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Impact ◽  
Necessity Entrepreneur

This reasearch is conducted on MSME (Micro Small Medium Enterprises) that are participated in the MSME Syari’ah Mentoring Program by Academition and Practitioners (PUSPA) organized by Bank Indonesia in Bandung. MSME who participated in PUSPA program 2016 is MSME that included in necessity entrepreneur where MSME operated just to fullfil the life necessities. This program aims to improve the competence of entrepreneurship owned by MSME in term of knowledge, attitudes, and skills. Increased in the entrepreneurial comptence will have an impact on MSME perfomance both on financial term by the increase in income and non-financial term namely by the increased of the knowledge and skills like simple accounting, managing the production process, how to market the product, and know the procedures for obtaining the venture capital. The purpose of this reasearch was to investigate the influence of the entrepreneurial competence on the MSME performance in PUSPA program 2016.Researcher used quantitative research method. This research use sampling technique on non-probability sampling that is saturated sampling because the members of population less than 30 people and the entire population is a sample. Total sample in this research is 20 respondents. Data collecting in this research is done by distributing questionarries to all respondents that is MSME that pariticaped in PUSPA program 2016. Data were analyzed using simple regression analysis and descriptive-causal analysis.The result showed that entrepreneurial competenec affect the performance of MSME that participated in PUSPA Program 2016. Based on the calculation, coefficent of determination (R2) can be seen the influence of entrepreneurial compentence variable (X) on the performance (Y) is 61.7%. While the remaining 38.3 is influenced by other factors such as mentoring, motivation, and human resources.

THE IMPACT OF BUSINESS MENTORING ON MICRO, SMALL, MEDIUM ENTERPRISES PERFORMANCE

2018 ◽  
Vol 1 (1) ◽  
pp. 7
Author(s):  
Mohammad Adrian ◽  
Santi Rahmawati
Keyword(s):  
Research Method ◽  
Quantitative Research ◽  
Coefficient Of Determination ◽  
Mentoring Program ◽  
Simple Regression Analysis ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Impact ◽  
Necessity Entrepreneur ◽  
Simple Regression

This reasearch is conducted on MSME (Micro Small Medium Enterprises) that are participated in the MSME Syari’ah Mentoring Program by Academition and Practitioners (PUSPA) organized by Bank Indonesia in Bandung. MSME who participated in PUSPA program 2016 is MSME that included in necessity entrepreneur where MSME operated just to fullfil the life necessities.The purpose of this reasearch was to investigate the influence of the business mentoring on the MSME performance in PUSPA program 2016.Researcher used quantitative research method. Data were analyzed using simple regression analysis and descriptive-causal analysis.The result showed that business mentoring affect the performance of MSME that participated in PUSPA Program 2016. Based on the calculation, coefficient of determination (R2) can be seen the influence of business mentoring variable (X) on the performance (Y) is 74%. While the remaining 26% is influenced by other factors such as entrepreneurship competence and human resources.  

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