scholarly journals Effect of Credit Financing on Financial Performance of Small and Medium Enterprises in Nairobi Central Business District, Kenya

2021 ◽  
Vol 5 (2) ◽  
pp. 18-42
Author(s):  
Eric Nshimirimana
Keyword(s):  
Financial Performance ◽  
Small And Medium Enterprises ◽  
Central Business District ◽  
Credit Financing ◽  
Business District ◽  
Medium Enterprises

scholarly journals Small and Medium Enterprises, Central Business District (CBD) for Accelerating of Regional Development

2018 ◽  
Vol 7 (3.6) ◽  
pp. 420
Author(s):  
Nyoman Sudapet ◽  
Agus Sukoco ◽  
Muhammad Ikhsan Setiawan ◽  
Paisal Halim ◽  
Syamsiah Badruddin ◽  
...  
Keyword(s):  
Private Sector ◽  
Local Governments ◽  
Small And Medium Enterprises ◽  
Central Business District ◽  
Small Island ◽  
Regional Autonomy ◽  
Recreation Area ◽  
The Government ◽  
Business District ◽  
Medium Enterprises

Madura is small island, East Java Province, Indonesia, with the Surabaya - Madura (Suramadu) Bridge 5.7 km length. It is the largest bridges In Indonesia, connected 2 (two) island, Java and Madura. In Suramadu area will be build landed house and apartments, residential, central of business, central of tourism. In Suramadu area, especially in Surabaya side will be built by some interesting landed house and apartments, residential, central of business, central of tourism, combining with recreation area. The Government seeks to attract the private sector to cooperate in the development and investment in landed house and apartments, residential, central of business, central of tourism, through the approach of government and private cooperation. Law number 22/1999 and Law number 34/2004 on regional autonomy have improved the performance of local governments, in particular through the policy of increasing local revenues through cooperation with private parties. Investment must be injected in Suramadu area by investors is IDR 18,410,577,670,000.00, it would be very interesting.   

scholarly journals PENGARUH PENYALURAN KREDIT USAHA RAKYAT (KUR), TINGKAT SUKU BUNGA TERHADAP KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH MELALUI NON PERFORMING LOAN (NPL) DAN BIAYA OPERASI DAN PENDAPATAN OPERASI (BOPO)

2019 ◽  
Vol 2 (2) ◽  
pp. 148
Author(s):  
Ratih Setyo Rini ◽  
Eko Aristanto
Keyword(s):  
Financial Performance ◽  
Interest Rates ◽  
Regional Development ◽  
Small And Medium Enterprises ◽  
Development Bank ◽  
Development Banks ◽  
Credit Financing ◽  
Medium Enterprises ◽  
Regional Development Banks ◽  
Regional Development Bank

People's Business Credit (KUR) is a Credit / Financing scheme specifically for Micro, Small and Medium Enterprises and Cooperatives whose businesses are feasible but do not have sufficient collateral required by the bank (unbankable). The research objective was to analyze the Effect of People's Business Credit (KUR) Distribution, Interest Rates on Financial Performance of Regional Development Banks Through Non-Performing Loans (NPL) and Operating Costs and Operating Revenues (BOPO) and analyze the differences in financial performance of Regional Development Banks before and after becoming KUR distribution Bank. The sample used in this study is the Regional Development Bank in Java, which has been incorporated in the KUR Distribution Bank in 2008, namely BPD in Yogyakarta, BPD East Java and BPD DKI Jakarta. The observation used data from the Regional Development Bank for the period 2005-2015. The results of the credit distribution and interest rates in the KUR distribution did not have a significant impact on the NPL and BOPO and showed that there were no better significant differences in the financial performance variables in the years BPD became the KUR distributor. The result recommends BPD to continue distributing KUR.

scholarly journals Competitive Strategic Management Practices and Performance of Small and Medium Enterprises in Kenya: A Case of Mombasa County

2019 ◽  
Vol 3 (VI) ◽  
pp. 193-215
Author(s):  
Rukia Ali Mohammed ◽  
James Rugami
Keyword(s):  
Strategic Management ◽  
Management Practices ◽  
Small And Medium Enterprises ◽  
Management Practice ◽  
Central Business District ◽  
Business Environment ◽  
Business Strategies ◽  
Primary Data ◽  
Business District ◽  
Medium Enterprises

The competitive business environment has forced organizations to engage in complex business decisions which require competitive strategic management. According to Haines (2016), Competitive Strategic management practices involves the formulation and implementation of the major goals and initiatives taken by a company's top management on behalf of its owners, based on consideration of resources and an assessment of the internal and external environments in which the organization competes. Competitive Strategic management practice is an important practice as it gives a strong influence towards firms’ success. Due to the ever changing business environment, small and medium enterprises struggle to operate, manage and improve their businesses efficiently in order to deliver quality products and services consistently and on time. This is because in most enterprises the application of business strategies requires a host of expensive and time consuming changes both in the organizational culture and structure hence many owner / managers have had to overlook for some necessary and critical business strategies. The study will be guided by four objectives; to establish the effect of Cost leadership strategy on the performance of small and medium enterprises in Mombasa central business district, to determine the effect of Differentiation strategy on the performance of small and medium enterprises in Mombasa central business district, to establish the effect of focus strategy on the performance of small and medium enterprises in Mombasa central business district and to determine the effect of product innovation on the performance of small and medium enterprises in Mombasa central business district. The study will be anchored on three theories namely; Resource-based theory, game theory and Porter Generic Strategies Theory. The study will adopt both cross-sectional research design and descriptive survey design. This study targets 19,708 small and medium enterprises located at the Central Business District of Mombasa City County. A sample size of 202 small and medium enterprises will be selected for the study where the units of the study will be business owners/managers. Structured questionnaires will be used to collect primary data. The data collected will be analyzed using SPSS and the specific statistics will be descriptive and inferential statistics. The results will be displayed on charts, tables and graphs. Multivariate regression model and path analysis technique will be used to show the relationship between the independent variables to the dependent variable.

scholarly journals Financial capital, constraints, partners, and performance: An empirical analysis of Indonesia SMEs

2021 ◽  
Vol 18 (2) ◽  
pp. 210
Author(s):  
I Wayan Widnyana ◽  
I Made Dauh Wijana ◽  
Almuntasir Almuntasir
Keyword(s):  
Financial Performance ◽  
Financial Constraints ◽  
Small And Medium Enterprises ◽  
Value Added ◽  
Financial Capital ◽  
Moderation Effect ◽  
And Performance ◽  
Medium Enterprises ◽  
The Relationship

Indonesia's small and medium enterprises (SMEs) are considered the backbone of the national economy. However, the fact that SMEs still contribute less to the national gross domestic product (GDP) in terms of value-added, need to be addressed. While previous studies mainly focused on financial (access) constraints as one of the major constraints faced by small enterprises which affect their growth and performances, this study aims to extend the relationship between capital and financial performance of Indonesia SMEs with the moderating effect of financial constraints and partners. This study is different from others as it uses a bigger panel dataset which is about 4.36 million SMEs in Indonesia and is the first to explore the role of financial partners comprehensively. Moreover, the panel regression model with geographic analysis unit uses as a data analysis method. The results of the study show that financial capital has a positive and significant effect on the financial performance of SMEs. Furthermore, while the moderation role of financial partners on the relationship between financial capital and financial performance of Indonesia SMEs was failed to prove, the negative moderation effect of financial constraints was able to prove in this study.

scholarly journals The role played by supply chain strategies and supply chain integration in financial performance. An empirical study in Peru

2021 ◽  
Author(s):  
Francisco Alejandro Pérez Gilabert ◽  
Jorge Luis Pena Acevedo
Keyword(s):  
Supply Chain ◽  
Financial Performance ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Supply Chain Design ◽  
Supply Chain Integration ◽  
Equation Modeling ◽  
Supply Chain Strategy ◽  
Medium Enterprises

The objective of this study is to develop and test a framework for the role that supply chain strategy (SCS) and supply chain integration have in a firm’s financial performance and to increase the understanding of the role that these factors play in supply chain design. Structural equation modeling was used to test these relationships based on data obtained from small and medium exporting enterprises in Peru. This study responds to a gap in understanding the role of supply chains in small and medium enterprises (SMEs) and how firms in Latin America, especially in Peru, apply supply chain concepts. Findings indicate that companies should prioritize their integration efforts depending on the type of supply chain strategy. Likewise, results show that customer integration is directly related to a firm’s financial performance. This study responds to the need to understand the development of supply chain strategies and the generation of competitive advantage in Peruvian export-manufacturing SMEs.

scholarly journals Factors behind trade credit financing of SMEs in Croatia

2020 ◽  
Vol 8 (1) ◽  
pp. 59-76
Author(s):  
Sandra Pepur ◽  
Dujam Kovač ◽  
Marijana Ćurak
Keyword(s):  
Trade Credit ◽  
Small And Medium Enterprises ◽  
Added Value ◽  
Knowledge Generation ◽  
External Financing ◽  
The European Union ◽  
East European ◽  
Funding Sources ◽  
Credit Financing ◽  
Medium Enterprises

Small and medium enterprises (SMEs) contribute to the national economy in terms of employment, added value, knowledge generation, and innovation. However, their potential and in the case of economic downturns even their survival is affected by the difficulties in their access to external financing under acceptable terms and adequate timing and amount. In the case of asymmetric information problems, which make SMEs more sensitive to financial market imperfections, trade credit can be a valuable source of financing. In the European Union, trade credit is among the most relevant external funding sources and it is among the most important alternatives to financial intermediaries’ financing. However, there are substantial differences between the countries with respect to availability and use of trade credit. Therefore, this research examines determining (company-specific and country-specific) factors behind the use of trade credit as a financing source in Croatia. The empirical analysis is based on the data for 1,225 SMEs operating in Croatia in the period from 2008 to 2017 and is done using the panel data methodology. The findings confirm that firms’ characteristics, as well as the characteristics of financial, macroeconomic and legal environment in which the firms operate, influence the use of trade credit in SMEs in Croatia. The paper contributes to relatively scarce empirical evidence on the determinants of trade credit use by SMEs in South-East European countries.

AN ANALYSIS OF COMPETITIVE STRATEGIES AND PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN KENYA: A CASE OF NAIROBI CENTRAL BUSINESS DISTRICT

2017 ◽  
Vol 2 (2) ◽  
pp. 72
Author(s):  
Omar B. Buul ◽  
Dr. Robert Omundi
Keyword(s):  
Competitive Advantage ◽  
Strategic Alliances ◽  
Service Providers ◽  
Small And Medium Enterprises ◽  
Central Business District ◽  
Analysis Data ◽  
Primary Data ◽  
Competitive Strategies ◽  
Cost Leadership ◽  
Medium Enterprises

Purpose: The purpose of this study was to determine the influence of competitive strategies on the performance of small and medium enterprises in Kenya.Methodology: The study employed a descriptive correlation design using primary data collected using questionnaires. The study targeted 4,560 SMEs in Nairobi CBD. The collected data was coded and entered into SPSS (V.20) to create a data sheet that was used for analysis. Data was analyzed using quantitative techniques. Descriptive statistics were used to describe the characteristics of collected data. Pearson’s Correlation, Analysis of variance (ANOVA) and Multiple Regression Analysis were used to establish the relationships among the study variables.Findings: Cost leadership, differentiation, market focus and strategic alliance were all found to have a positive and significant influence on SME performance.Unique contribution to theory, practice and policy: The study recommended that: SMEs should embrace and invest in cost leadership strategies most especially forming linkages with service providers, suppliers and other supplementary institutions since it will enable them achieve competitive advantage; SMEs ought to focus and invest more on differentiation as it could be used as a major competitive advantage tool against competitors; SMEs should know on what basis to segment their products, services and operations; and that SMEs should embrace strategic alliances to increase their market share.

scholarly journals Perbandingan Kinerja Keuangan Koperasi Konvensional Dan Koperasi Syariah Di Kota Bandar Lampung

2018 ◽  
Vol 12 (1) ◽  
pp. 9
Author(s):  
Nurmala Nurmala ◽  
Damayanti Damayanti ◽  
Eksa Ridwansyah ◽  
Destia Pentiana
Keyword(s):  
Financial Performance ◽  
Small And Medium Enterprises ◽  
Financial Reports ◽  
Management Efficiency ◽  
Final Score ◽  
Medium Enterprises ◽  
Productive Assets ◽  
The City ◽  
Assets Management

There are 740 cooperatives registered in Bandar Lampung, but more than 50% are suspended. Of these, only a few are actively reporting their financial performance in the form of complete financial statements. Therefore the author assumes that it is important to analyze the comparison financial performance of conventional cooperative and of Islamic cooperatives in the city of Bandar Lampung. The overall financial performance of cooperatives is assessed based on the regulation of the State Minister for Cooperatives and Small and Medium Enterprises of  Republic of Indonesia Number: 14 / PER / M.KUKM / XII / 2009.  The assessment of cooperative health includes capital, quality of productive assets, management, efficiency, liquidity, independence and growth, and cooperative identity. To assess the financial performance of sharia cooperatives is based on the regulations of the Minister of Cooperatives and Small and Medium Enterprises No. 35.3 / Per / M.KUKM / X / 2007. In addition to cooperative health assessments covering capital, quality of productive assets, management, efficiency, liquidity, independence and growth, and identity of cooperatives, there is an assessment of compliance with Islamic principles. The objects in this study are cooperatives that actively reported their finances to the cooperative service in 2015 and 2016. There are 24 conventional and sharia cooperative financial reports analyzed. Based on the analysis, the financial performance of conventional cooperatives gets a final score of 67.15 while the sharia cooperative gets the final score amounting to 74.13. The value indicates that conventional cooperatives and Islamic cooperatives are equally healthy.  Nevertheless, it can be said that the financial performance of Islamic cooperatives is better than that of conventional cooperatives. 

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