scholarly journals Study on the Effective Operation Models of Credit Guarantee System for Small and Medium Enterprises in China

2010 ◽  
Vol 5 (9) ◽  
Author(s):  
Ping Zhang ◽  
Ying Ye
Keyword(s):  
Small And Medium Enterprises ◽  
Credit Guarantee ◽  
Guarantee System ◽  
Effective Operation ◽  
Medium Enterprises

scholarly journals Credit guarantees in Ukraine’s agriculture: a development mechanism based on international practices

2021 ◽  
Vol 188 (3-4) ◽  
pp. 85-97
Author(s):  
Andrii Starodubtsev ◽  
◽  
Yulia Bakai ◽  
Keyword(s):  
Agricultural Land ◽  
Small And Medium Enterprises ◽  
Arable Land ◽  
State Regulation ◽  
Partial Credit ◽  
Credit Guarantee ◽  
Agricultural Enterprises ◽  
Guarantee System ◽  
Credit Guarantees ◽  
Medium Enterprises

The paper deals with the conceptual approaches to the credit guarantee system as an effective mechanism of state support for agriculture. The importance of introducing a credit guarantee system in Ukraine and creating the Fund for Partial Credit Guarantee in Agriculture, a specialized non-banking financial institution, is emphasized. This will help to overcome obstacles to crediting small and medium agricultural enterprises. The authors have analyzed global credit guarantee schemes. The purpose of this paper is to develop proposals for amendments to the Draft Law «On the Fund for Partial Credit Guarantee in Agriculture», in particular a need to provide legal grounds for non-banking financial institutions, the form of business entities, their mission, criteria for agricultural subjects eligible for partial credit guarantees, financing of the relevant institutions and defining the related management bodies, as well as bodies of state regulation and supervision. The problem statement is attributable to the fact that the effectiveness of institutions providing credit guarantees for small and medium enterprises in agriculture plays an important role in the national economies of most countries. The authors have proposed an approximate financial model of the Fund for Partial Credit Guarantee in Agriculture and made the required economic calculations. Thus, with an initial authorized capital of EUR 10 million, the Fund for Partial Credit Guarantee in Agriculture, with 50% coverage, is able to provide guarantees for the purchase of 25 thousand hectares of arable land by small and medium enterprises at an average cost of EUR 820/ha, taking into account the average normative monetary assessment of agricultural land by regions. Consequently, credit enforcement will allow banking institutions not only to balance credit risk, but also to open access to small and medium agricultural enterprises to bank crediting to the extent necessary for the purchase of agricultural land and investments in production.

scholarly journals The Effectiveness of Technical Guidance for Entrepreneurs in Small and Medium Enterprises in Facing Halal Certification

2020 ◽  
Vol 2 (2) ◽  
pp. 46-49
Author(s):  
Siska Siska ◽  
Hanifah Rahmi ◽  
Almawati Situmorang
Keyword(s):  
Small And Medium Enterprises ◽  
Market Demand ◽  
Certification Process ◽  
Guarantee System ◽  
Assurance System ◽  
Before And After ◽  
Post Test ◽  
The Difference ◽  
Medium Enterprises ◽  
Technical Guidance

Indonesia is the largest Muslim population country in the world, so the market demand for halal products is enormous. However, in fact, there are not many business actors who submit and have halal certificates, especially in small and medium enterprises. This problem can be due to lack of information and sufficient understanding to apply for a halal certificate. The aim of the research is to give technical guidance for preparing halal certification process. The manual method is used to provide training on the halal guarantee system for the preparation of the halal assurance system (HAS). The workshop began with a pre-test and then the presentation of halal assurance system material, the guidance on how to prepare and discussion. All the activities were done by online (WhatsApp group and zoom meeting). The training ended with the post-test to assess the improvement of knowledge of the. To analyze the difference, we used a paired T-test statistical method. The result of this research shows an increasing understanding of participants (p<0,05) through the comparison between before and after training. These activities conclude that the practice of technical guidance for facing halal certification is beneficial for small and medium enterprises in improving knowledge and capability of the halal certification process.

PERSONAL GARANSI DALAM PRODUK QARDUL HASAN DI KSPPS BMT SALAFIYAH SUKOREJO SITUBONDO

2021 ◽  
Vol 15 (1) ◽  
pp. 1-18
Author(s):  
Subaidi Subaidi ◽  
Subyanto Subyanto
Keyword(s):  
Small And Medium Enterprises ◽  
Lower Class ◽  
Profit Sharing ◽  
Community Leaders ◽  
Profit Margins ◽  
Guarantee System ◽  
Class Society ◽  
Medium Enterprises ◽  
The Given

Qardul Hasan financing is one of the excellent products in finance. It can help lower class society and Small and Medium Enterprises (SMEs) to develop their business. This main advantage is there is a payoff without any profit-sharing or profit margins. However, the borrower by his own volition can give the excess of the loan. To borrow Qardul Hasan financing, the customer must submit collateral to KSPPS BMT Salafiyah in the form of goods or a personal guarantee system. Personal guarantee in financing is an embodiment of financing without collateral, as well as the application of personal guarantee in Qardul Hasan financing in KSPPS BMT Salafiyah. In its realization, KSPPS BMT Salafiyah provides Qardul Hasan financing to customers with personal guarantees. It means guarantee is in the form of signature and or statement of the figure as community leaders which he or she is responsible for the given financing.

scholarly journals Strategy Development of Regional Credit Guarantee Company

2021 ◽  
Vol 8 (4) ◽  
pp. 326-335
Author(s):  
Jodi Septiadi Akbar ◽  
Arif Imam Suroso ◽  
Rokhani Hasbullah
Keyword(s):  
Product Development ◽  
Business Strategy ◽  
Small And Medium Enterprises ◽  
Strategy Development ◽  
Credit Guarantee ◽  
Swot Matrix ◽  
Factor Evaluation ◽  
The Government ◽  
Medium Enterprises ◽  
Evaluation Matrix

Micro, small and medium enterprises (MSME) have difficulty obtaining access to bank financing. One of these difficulties is due to the limited collateral as a credit requirement. The government overcomes the problem by forming a credit guarantee company to replace the collateral requirements. One company that runs a credit guarantee business is PT. Jamkrida Riau (Jamkrida Riau). This research aims to: 1) identifying environmental factors that affect the management of internal and external in Jamkrida Riau; 2) analyze alternatives in developing Jamkrida Riau business strategy; 3) priority strategy formulated exact in business development Jamkrida Riau in the future. This study using analysis tools an internal factor evaluation matrix (IFE), external factor evaluation matrix (EFE), Internal-External matrix (IE), SWOT matrix and QSPM matrix. The results showed that an alternative strategy lead in developing its business in sequence was 1) internal risk control in the process of credit guarantee; 2) capacity building capital participation of regional governments or other investors; 3) improve cooperation with other institutions related to credit guarantee; 4) an increase in information technology adaptation; 5) giving assistance to MSME; 6) product development of ensuring that corresponds to focus effort; 7) marketing product development. Keywords: bank, credit guarantee, micro and small enterprises (MSMEs), MSMEs credit, strategy.

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