scholarly journals Credit Policy Planning in Medium Scale Business

2017 ◽  
Vol 8 (1) ◽  
pp. 14-19 ◽  
Author(s):  
Christian Herdinata

Abstract In dealing with the factors affecting credit policy, a management should consider external and internal information before creating a policy. Internal factors include the structure and the amount of available bank assets and liabilities, and the type, state, and composition of available banking facilities and personnels. Meanwhile, external factors include the atmosphere of the business world in general and banking sector in particular, bank location, and others. The factors that need to be considered in credit policy cannot be separated from the problems that exist in banking activities. Since the factors affecting credit policy act as a guideline which influences credit management, it is important to analyze these factors. This research maps out some important factors in credit management and recommends certain practical steps that can be taken in credit management.

2016 ◽  
Vol 19 (1) ◽  
pp. 61-70
Author(s):  
Thuan Quoc Pham ◽  
Dao Xuan La

The objective of this study is to identify the major factors that impact on the quality of financial reporting and to suggest model of the factors affecting on the quality of financial reporting for Vietnamese enterprises . There are two factors group affecting on the quality of financial reporting: internal factors and external factors, this study is limited to the scope of the external factors. By using case studies, analytical results indicate that Tax Pressure factor has the greatest impact on the quality of financial reporting, the remaning factors include: Listed Securities, Accounting Software and Independent Audit. Two factors, Politics and Regulatory Environment have limited impact on the quality financial reporting.


2016 ◽  
Vol 34 (2) ◽  
pp. 332-351 ◽  
Author(s):  
Rahma Al-Kharousi ◽  
Naeema H Jabur ◽  
Abdelmajed Bouazza ◽  
Nabhan Al-Harrasi

Purpose – The purpose of this paper is to investigate the different factors that affect using Web 2.0 applications in Omani academic libraries (OALs). Design/methodology/approach – In all, 29 interviews with directors and library staff of five OALs were conducted for the purpose of collecting data for the current research. Findings – The results indicated that there are nine internal factors and four external factors that affect using Web 2.0 applications in OALs. Internal factors include the low motivation of directors and library staff regarding using of Web 2.0 applications, lack of training and constant changes in the management structure. Meanwhile, the external factors are related to lack of policy and regulations and weakness and low speed of the internet. Practical implications – Most academic libraries in Oman have not yet adopted Web 2.0 applications to enhance their services. Therefore, this study intends to open insight into the state of Web 2.0 adoption in academic libraries and will help library managers to understand factors facing the use of Web 2.0 applications in their libraries, and this could signal a basis for policy shift in the internet infrastructure especially in the institutions of the higher education. Originality/value – This research is the first study in the field of Web 2.0 applications in OALs that investigates the factors affecting the use of Web 2.0 applications in academic libraries in general and in OALs specifically.


2021 ◽  
Vol 4 (1) ◽  
pp. 60-64
Author(s):  
Dwi Cahyadi Wibowo ◽  
Lhadyza Ocberti ◽  
Adriana Gandasari

The purpose of this research is to describe the factors that affect mathematics learning outcomes in class V SD Negeri 01 Nanga Merakai Academic Year 2019/2020. This research uses qualitative research methods with a qualitative descriptive approach with a case study research form.  The research sample consisted of 16 student of class 5th at public elementary school 01 Nanga Merakai. Data collection tools in the form of interview guidelines, questionnaires and documentation studies. Data analysis through several stages of data collection, data persentation, data reduction and conclusion drawing. The results showed that (1) Inhibiting factors affecting mathematics learning outcomes were divided into two factors, namely internal factors and external factors. (2)  Supporting factors for mathematics learning outcomes, the research results are divided into two, namely internal factors and external factors.


2021 ◽  
Vol 9 (2) ◽  
pp. 1-14
Author(s):  
Yasmeen Sultan ◽  

Banks are the most vital financial intermediaries in economy, which has a profitable banking industry; in order to survive undesirable shock as well as subsidize the constancy under the whole economy. However, the main purpose of this research is in the direction of analyzing factors affecting banks’ effectiveness all over Pakistan by means of sets of targeted facts and figures of twenty panels from 2005 to 2015. This study is developed with the help of AOLS technique which is used to examine the effect of different factors such as resources, debts, justice, securities, economic growth, price increases, price decreases, and market capitalization on major profitability signs such as (ROA), (ROE), (ROCE) and (NIM). The experimental consequences analyzed solid facts which stated the following conclusion, i.e., internal factors and external factors create an adverse impact on the level of profitability. An outcome by this research is important to different researchers. This research study proposed that by the concentration & reengineering the internal drivers the banks can improve its profitability and performance.


2021 ◽  
Author(s):  
Payam Shojaei ◽  
Kimia pourmohammadi ◽  
Peivand Bastani ◽  
Nahid Hatam ◽  
Ramin Hayati

Abstract Objectives: The Best-Worst Method is considered as a novel and innovative way to identify and prioritize ever-changing internal and external factors affecting health care performance. Results: After screening the large number of factors using the “content validity ratio”, a Pairwise comparisons were conducted between the best and the worst criteria and the other one. Then Modeling the research problem through linear programming and finding the optimal weights.the most effective internal factors from the experts’ viewpoint were the financial indicators such as “the ratio of personnel wage costs to the total revenues”. The most important external factor that was “structure of the payment system and strategic service purchasing by insurance”.external factors had greater impacts on the performance of public hospitals than internal factors. Therefore, when assessing the performance and improvement interventions of hospital, not only internal indicators should be measured, but also external factors, including political and economic policies and approaches governing the health system need to be taken into account.


Author(s):  
Rustam Abd. Rauf ◽  
Asriani Hasanuddin ◽  
Rosedi Rosedi

Palu is one of the main areas that have regional salinity and the management is still using the traditional way. Internal factors of inner salt farmers and external factors affecting the production of folk salt in the city of Palu. This study aims to (1) identify the internal factors that become strengths and weaknesses in increased production of community-based salt at Palu bay; (2) identify external factors that became opportunities and threats in the increased production of community-based salt in Palu Bay; (3) define an alternative strategies for improving folk’s salt production in Palu bay. SWOT analysis results indicate that the appropriate strategy in improving the community-based salt production in Palu bay is in the position of the quadrant I SO strategy (Strength-Opportunities). This strategy is implemented by the program: (1) Maximizing production by utilizing the available resources; (2) Increasing the salt farmer mastery of science that accompanied the adoption of appropriate technological innovation; and (3) Increasing capacity in marketing management and build a broader partnership. The results of the analysis obtained the best strategy QSPM the 2nd program "Improvement of salt farmer mastery of science that accompanied the adoption of technological innovations.


2017 ◽  
Vol 5 (2) ◽  
pp. 202
Author(s):  
Tri Muji Ingarianti

Komitmen karier adalah sikap yang ditunjukkan individu dalam mencapai tujuan karier.  Penelitian ini bertujuan untuk mengkaji hasil-hasil penelitian (literature review) mengenai faktor-faktor yang mempengaruhi komitmen karier pada individu. Penelusuran literatur dilakukan pada database elektronik SAGE Journals, ProQuest, dan Science Direct dengan menggunakan kata kunci “career commitment”. Hasil penelusuran menunjukkan bahwa komitmen karier dipengaruhi oleh faktor internal dan eksternal. Faktor internal yang mempengaruhi komitmen karier terdiri dari komitmen organisasi, keterlibatan kerja, kepuasan kerja, nilai kerja, pengalaman kerja, kepribadian, dan self-efficacy sedangkan faktor eksternal terdiri dari situasi kerja yang meliputi kondisi kerja, persepsi pensiun, persepsi terhadap ancaman dalam bekerja, dorongan yang ditawarkan organisasi (offered inducements), kontribusi yang diharapkan organisasi (expected contributions), peluang promosi, dan reward. Kata kunci: Karier, komitmen karier Career commitment is the attitude that individuals show in achieving career goals. This study aims to examine the results of research or literature review on the factors that affect career commitments in individuals. The literature search was conducted on SAGE Journals, ProQuest, and Science Direct electronic databases using the keyword "career commitment". Search results showed that career commitments are influenced by internal and external factors. Internal factors affecting career commitment consist of organizational commitment, job involvement, job satisfaction, work value, work experience, personality, and self-efficacy while external factors consist of work situations covering working conditions, retirement perception, perceptions of threats in work, encouragement offered by the organization (offered inducements), the expected contribution of the organization (expected contributions), promotion opportunities, and rewards. Keywords: Career, career commitment


2013 ◽  
Vol 9 (1) ◽  
Author(s):  
Kamalia Octaviyanty

Banks are the most important financial institutions affect the economy both micro and macro. To assess the growth of the banking industry is not only seen from the banking internal factors but its need to consider to the sensitivity of the banking sector to external factors such as macroeconomic conditions. This study aimed to analyze the influence of external and internal factors to the bank’s performance in IndonesiaFinancial data derived from the financial statements publications issued by Bank Indonesia and the Central Bureau of Statistics for the period 2008-2011. Total population in this study were 111 banks and samples used were 28 banks selected by using purposive random sampling. The data analysis used is the analysis of Structural Equation Modelling (SEM).The results showed that (1) external factors have significant influence to the operatio-nal policies and the bank’s performance, (2) internal factors have significant influence to the operational policies and the bank’s performance, and (3) operational policies have a significant influence to the bank’s performance. The results of this research can be used to guide, either by bank management in managing the company to improve their perfor-mance or investors in investing.Keywords: Internal Factors, External Factors, Operational Policies, Bank’s Performance


Author(s):  
Cordelia Ervina ◽  
Musa Hubeis ◽  
Nora H. Pandjaitan

One of areas which producing sweet potato is Cilembu Village, located in Pamulihan Subdistrict, Sumedang Regency.  The sweet Potato is famous as ubi Cilembu. The objectives of this research were to identify internal and external factors affecting raw material availability and continuity of marketing system of sweet potato Cilembu and to recommend alternative of effective and efficient marketing strategy of sweet potato Cilembu. This research used purposive sampling and also primary and secondary data. Respondents consisted of 30 people from 107 population of sweet potatoes Cilembu in Cilembu village. Analysis was conducted using IFE and EFE matrix, internal-external (IE) matrix, SWOT and QSPM method. From several strategies by using QSPM method, it had chosen one strategy to boost Cilembu sweet potato marketing by KUCP. The strategy was to encourage efforts in creating processing business medium scale of Cilembu sweet potatoes in order to get competitive processed products.


Author(s):  
Yulyanah Yulyanah ◽  
Husnul Khotimah

The purpose of this study was to determine the internal and external factors in the learning output of D III Accounting students, and what factors have the greatest influence on the output of D III Accounting students at Pamulang University in the 2019/2020 academic year. The research method used is descriptive quantitative, with a sampling technique with a purposive sampling method. The sample in this study were students of D III accounting for the 2019/2020 school year. as many as 63 respondents. The data research technique used was a questionnaire method, with a 1-4 Likert scale measurement. The results of research that have been conducted by researchers from the internal factors that affect the learning output are those related to aspects of interest, motivation and physical health and external factors are the environment and infrastructure. The results of these two factors have moderate criteria with the method (Three-box Method), which means that these two factors have an influence on the output / learning outcomes of D3 Accounting students at Pamulang University.  


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