Handling the Financing Problem: A Narrative Study of Agricultural Capital Financing Murabahah Contracts at BMT

This research aimed to determine how the implementation of agricultural capital financing with the murabahah contract, the factors that caused problematic financing, and how to handle problematic financing, especially in the financing of agricultural capital with a murabahah contract at BMT BUS KPU Tuban Branch. Agricultural capital financing is a type of financing that is quite rare for BMT in Tuban District, because in providing agricultural financing, BMT is very vulnerable to suffer losses due to problematic financing. This research was a field research with a qualitative approach. Data collection techniques were carried out through interviews and documentation. Data sources consisted of primary and secondary data. Data analysis used analytic descriptive technique. The results explained that the murabahah financing procedure implemented at BMT BUS KPU Tuban Branch on agricultural capital financing practices can be said to be good, because in its implementation each prospective member of the financing was obliged to meet the applicable requirements and procedures, the factors that cause problematic financing were external and internal factors, The strategy for handling problematic financing at BMT BUS KPU Tuban Branch used a family approach, intensive billing, financing restructuring, collateral takeover, collateral execution and finally if it was not successful with financing elimination. Keywords: Agricultural Capital Financing, Murabahah Contract, Problematic Financing

Coordinating Supply Chain Financing for E-commerce Companies Through a Loan Contract

This paper considers an online retailer and his or her manufacturer, both facing financial constraints and wishing to get loans from their e-commerce platform-backed finance company. Based on shared transaction data and monitored sales accounts, a tripartite loan contract is proposed to coordinate three parties’ actions in this supply chain financing problem. We prove that the proposed loan contract aligns the decentralized decision-makings of each party and duplicates the optimal channel performance under a fully integrated decision-making framework. A case study is then conducted to illustrate the performance of the proposed loan contract. The result shows that the proposed loan contract outperforms wholesale-price contracts, where coordination does not take place, and buyback contracts, where coordination happens between the retailer and the manufacturer only. Furthermore, a sensitivity analysis reveals that profit allocations among the lender, the retailer, and the manufacturer resulted from the proposed loan contract are more balanced when the cost-to-retail ratio or risk premium is high.

Problems and Countermeasures of International Trade Financing of Small and Medium-Sized Enterprises in China

Small and medium-sized enterprises are the foundation of China’s national economy, and they are important forces to promote economic and social development. They play an irreplaceable role in promoting scientific and technological progress, increasing social employment, expanding foreign trade, and other aspects in which they have become an important part of China’s socialist market economy. Based on the research background of international trade financing, this paper analyzes the problems existing in the international trade financing of small and medium-sized enterprises in China to put forward countermeasures and suggestions, hoping to help these small and medium-sized enterprises solve the financing problem so as to achieve a healthy development in the international trade market environment.

LES POLITIQUES DE FINANCEMENT DE LINNOVATION AU MAROC - ETAT DES LIEUX ET PERSPECTIVES -

The Morocco has made considerable efforts in order to develop investments in R&D, from public, private sources or through international cooperation. However, the analysis of the funding policy for Research and Innovation in Morocco teaches us that, in addition to the weak presence of the private sector in this area, public policy is exposed to immense constraints, such as the low budget. allocated, the incompatibility of public procedures… All the more so, the discontinuity and opacity of almost all the funds and programs have prevented any attempt to develop research and innovation in Morocco. These constraints, both economic, institutional and political, lead to recognize the imminent role that large Moroccan companies could play, in terms of financing research and innovation, However, the use of other alternative modes of financing, such capital investment, Business Angels and Crowdfunding constitute a promising choice, faced with the financing problem faced by startups and innovative project leaders in Morocco.

LA FINANCIACIÓN DE LAS DESTINATION MANAGEMENT ORGANIZATIONS EN LOS PRINCIPALES DESTINOS DEL MUNDO. UN ANÁLISIS DESDE LA PERCEPCIÓN DE SUS GESTORES

En la actualidad, una de las fórmulas de gestión de destinos consideradas como más adecuadas para garantizar el desarrollo sostenible y competitivo del turismo son las DMO público-privadas. Sin embargo, la gestión del turismo a través de DMO público-privadas no es una cuestión extendida, ni siquiera en las ciudades más visitadas del mundo. Este tipo de entidades debe caracterizarse por una menor dependencia del sector público a nivel organizativo, presupuestario y de toma de decisiones, considerándose como una alternativa para dar solución al problema de financiación al que se enfrenta la gestión de los destinos. Por ello, resulta interesante conocer cómo se financian las DMO de algunas de las ciudades más visitadas del mundo, valorando así su idoneidad de acuerdo con lo establecido por la literatura científica. Así como tratar de entender la razón de su comportamiento, estudiando si tienen asumidas las ventajas e inconvenientes de las diferentes fuentes de financiación. Currently, one of the management destinations formulas considered as the most adequate to guarantee the sustainable and competitive development of tourism are public-private DMO. However, tourism management through public-private DMO is not a widespread issue, even in all the most visited cities in the world. This type of entities must be characterized by a lower dependence on the public sector at an organizational, budgetary and decision-making level, being considered as an alternative to solve the financing problem faced by destination management. Therefore, it is interesting to know how the DMO of the most visited cities in the world are financed, thus assessing their suitability according to what is established by the scientific literature. As well as trying to understand the reason of their behavior, studying whether they have assumed the advantages and disadvantages of different sources of funding.

Problems and Development Suggestions in Automobile Supply Chain Finance

With the rapid development of domestic automobile consumption, the financing problem of upstream and downstream enterprises in the automobile industry has become the focus of the industry. As an innovative financial tool, automotive supply chain finance provides a solution for small and medium-sized enterprises in the industrial chain. From the perspective of the automotive industry chain, this paper analyzes the supply side and demand side of the capital, summarizes the problems existing in the automotive supply chain finance, and finally puts forward solutions from the aspects of the industry side and the technology side to provide suggestions for the development of the industry.

Penyelesaian Pembiayaan Bermasalah Akad Murabahah pada Bank Pembiayaan Rakyat Syariah Patriot Bekasi

This study aims to find out dispute settlement mechanism of the financing problem of murabahah contracts at Islamic Rural Bank or BPRS Patriot Bekasi. The research is conducted in a descriptive qualitative approach with the case study method. Informants determined using snowball sampling, and, data collection techniques using interviews, documentation, and observation. The results are analyzed by reducing data, presenting data, and making conclusions. The results of this study indicate that the financing problem of murabahah contracts at Islamic Rural Bank or BPRS Patriot Bekasi is solved carried out by implementing strategies that are conducting accurate analysis, intensive monitoring, and employee training. Meanwhile, the procedure was carried out, and even the financing problem still exists, it will be handled it will handle with preventive action (rescheduling), claims on insurance, curative actions by executing guarantees, management assistance, billing by third parties. But this method has never done by the Islamic Rural Bank Patriot Bekasi and write off, as well as the final write off.Keywords: Financing problem, rescheduling, executing guarantees, write off

Key Factors for Project Crowdfunding Success: An Empirical Study

Crowdfunding is a response to the financing problem of innovative projects in an environment of severe economic crisis. Its competitive advantage lies in its independence from banking institutions and the distribution of risk among a certain number of funders. Since its inception, the number of successfully completed projects has grown to a point where it has started to suffer a downturn that puts its sustainability at risk. This study concerns this particular period of downturn, in order to identify attributes that characterize it, and to define behavioral stereotypes that may be associated with new projects. On a wide data set from sufficiently contrasted projects, and through the use data mining techniques, we extracted the most influential factors in determining the success or failure of the projects, that will subsequently be grouped together using clustering techniques. Six groups of projects have been identified, each with their own characteristics that define them, two of them clearly guide the projects to success and another one allows the modification its characteristics to move away from failure. This achieved strategy allows us to estimate which potential group would be the result of a new project.