scholarly journals Do Financial Inclusion, Debt Behavior Affect Business Investment? Study in Small Medium Enterprise Customers of Bank BPD Yogyakarta Indonesia

2021 ◽  
Author(s):  
Raden Hendry Gusaptono ◽  
R. Heru Kristanto HC ◽  
Efendy S. Yuwono2
Keyword(s):  
Small And Medium Enterprises ◽  
Investment Decisions ◽  
Financial Inclusion ◽  
Analysis Model ◽  
Business Investment ◽  
Bank Behavior ◽  
Medium Enterprise ◽  
Medium Enterprises ◽  
Positive Effect ◽  
Debt Behavior

Bank, financial inclusion, debt behavior, and business investment greatly affect the economic growth of a region industry. The main purpose of this research is to examine the effect of bank behavior, financial inclusion, debt behavior on investment decisions of Micro, Small and Medium Enterprises customers at Bank BPD Yogyakarta, Indonesia. The research sample is BPD Yogyakarta customers Respondents as 200 entrepreneurs are customers who are in debt for business investment. The analysis model uses mediation regression with PLS. The results showed that bank behavior had a positive effect on financial inclusion. Bank behavior has a positive effect on debt behavior. Financial inclusion has a positive effect on business investment. Debt behavior has a positive effect on business investment. Financial inclusion, debt behavior mediates the influence of bank behavior on business investment. The implication of this research is that a clear bank behavior and high commitment of banks are needed in offering bank products. It takes commitment and supervision from the Bank in providing credit to customers so that the use of funds is in accordance with investment objectives.

scholarly journals Do Financial Inclusion, Debt Behavior Affect Business Investment? Study in Small Medium Enterprise Customers of Bank BPD Yogyakarta Indonesia

2021 ◽  
Vol 4 (3) ◽  
Author(s):  
Raden Hendry Gusaptono ◽  
◽  
R. Heru Kristanto HC ◽  
Efendy S. Yuwono ◽  
◽  
...  
Keyword(s):  
Small And Medium Enterprises ◽  
Investment Decisions ◽  
Financial Inclusion ◽  
Analysis Model ◽  
Business Investment ◽  
Bank Behavior ◽  
Medium Enterprise ◽  
Medium Enterprises ◽  
Positive Effect ◽  
Debt Behavior

Bank, financial inclusion, debt behavior, and business investment greatly affect the economic growth of a region industry. The main purpose of this research is to examine the effect of bank behavior, financial inclusion, debt behavior on investment decisions of Micro, Small and Medium Enterprises customers at Bank BPD Yogyakarta, Indonesia. The research sample is BPD Yogyakarta customers Respondents as 200 entrepreneurs are customers who are in debt for business investment. The analysis model uses mediation regression with PLS. The results showed that bank behavior had a positive effect on financial inclusion. Bank behavior has a positive effect on debt behavior. Financial inclusion has a positive effect on business investment. Debt behavior has a positive effect on business investment. Financial inclusion, debt behavior mediates the influence of bank behavior on business investment. The implication of this research is that a clear bank behavior and high commitment of banks are needed in offering bank products. It takes commitment and supervision from the Bank in providing credit to customers so that the use of funds is in accordance with investment objectives.

scholarly journals Determinants of Financial Inclusion in Small and Medium Enterprises: Evidence from Ethiopia

2021 ◽  
Vol 14 (7) ◽  
pp. 286
Author(s):  
Betgilu Oshora ◽  
Goshu Desalegn ◽  
Eva Gorgenyi-Hegyes ◽  
Maria Fekete-Farkas ◽  
Zoltan Zeman
Keyword(s):  
Small And Medium Enterprises ◽  
Multiple Linear Regression Model ◽  
Financial Inclusion ◽  
Research Approach ◽  
Supply Side ◽  
Access To Finance ◽  
Secondary Sources ◽  
Medium Enterprises ◽  
Supply Side Factors ◽  
Positive Effect

The study examines the determinant factors that influence financial inclusion among small and medium enterprises (SMEs) in Ethiopia. The study uses an explanatory research design and a mixed research approach with both primary and secondary sources of data. More specifically, the study adopts a multiple linear regression model. The finding of the study reveals that; supply-side factors, demand-side factors, market opportunity, and collateral requirements have a positive effect on the firm’s access to finance. On the other hand, institutional framework factors, and the costs of borrowing negatively affect the firm’s access to finance. This study suggests concerned bodies sustain rapid and inclusive economic growth and hence eradicate extreme poverty and hunger, the policymakers must build an efficient, strong, and well-functioning financial market system that provides affordable and sustainable financial service to SMEs.

scholarly journals The Impact of Bank Behavior, Financial Literacy on Investment Decisions, Mediation of Financial Inclusion and Debt Behavior. Study on Working Capital and Investment Debtors at Regional Development Bank Yogyakarta Indonesia

2021 ◽  
Vol 23 ◽  
pp. 626-635
Author(s):  
Heru Kristanto
Keyword(s):  
Regional Development ◽  
Financial Literacy ◽  
Investment Decisions ◽  
Financial Inclusion ◽  
Development Bank ◽  
Working Capital ◽  
Bank Behavior ◽  
The Impact ◽  
Regional Development Bank ◽  
Debt Behavior

Bank behavior, financial literacy, financial inclusion, debt behavior, and investment affect the economic growth of an industry. The purpose of this research is to examine the effect of bank behavior, financial literacy, financial inclusion, debt behavior on investment decisions of working capital and investment debtors in the Regional Development Bank of Yogyakarta. Indonesia. Examine the mediating role of financial inclusion, debt behavior on investment decisions. The research sample are 280 debtors. The analysis model used mediation regression with the PLS program. The results showed that: Bank behavior has an effect on financial inclusion. Bank behavior has an effect on debt behavior. Financial literacy has an effect on financial inclusion. Financial literacy has an effect on debt behavior. Financial inclusion mediates the effect of bank behavior on investment decisions. Debt behavior mediates the effect of financial literacy on investment decisions. The managerial implication of this research is: the flexibility of providing credit to customers, must be followed by control of the use of funds. Financial literacy, financial inclusion and higher debtor debt behavior will increase the movement of the industry. The right investment will improve entrepreneurial and banking performance.

scholarly journals THE EFFECT OF FINANCIAL INCLUSION AND BANKING BEHAVIOR ON HOUSEHOLD DEBT BEHAVIOR

2019 ◽  
Vol 4 (1) ◽  
pp. 51
Author(s):  
HERISPON HERISPON
Keyword(s):  
Sampling Method ◽  
Total Sample ◽  
Financial Inclusion ◽  
Household Debt ◽  
Analysis Tool ◽  
Banking Services ◽  
Bank Behavior ◽  
The City ◽  
Positive Effect ◽  
Debt Behavior

This study aims to examine the effect of financial inclusion from the dimensions of access, user, quality, wealth on bank behavior and debt behavior and the indirect influence of each dimension of financial inclusion on bank behavior and household debt behavior. With population areas and samples in the city of Pekanbaru, Riau, Indonesia.The research focused on the demand side in banking services, namely consumer credit services to households. Using a purposive sampling method with a total sample of 303 household units in the city of Pekanbaru.The analysis tool used in the study was SEM-WarpPLS version 6.From this study the authors found that access, user, quality, wealth had a positive effect on the behavior of household debt, then the authors found that access, user, quality had a positive effect on bank behavior, then found that access, user, quality, wealth had an indirect positive effect towards debt behavior through mediating bank behavior.It was concluded from this study that the behavior of banks as mediating variables can reduce the direct influence of financial inclusion on the behavior of household debt.

scholarly journals Development Strategy for Micro, Small and Medium Enterprises through Islamic Financial Inclusion

2020 ◽  
Vol 9 (1) ◽  
pp. 55
Author(s):  
Warno Warno ◽  
Novatul Isrowiyah ◽  
Rahman El Junusi
Keyword(s):  
Development Strategy ◽  
Sampling Method ◽  
Small And Medium Enterprises ◽  
Financial Inclusion ◽  
Three Dimensions ◽  
Significant Positive Effect ◽  
Medium Enterprises ◽  
The Impact ◽  
Positive Effect ◽  
Observation Period

This study calculates and analyzes the Islamic financial inclusion index which covers three dimensions; accessibility, availability, and usage of sharia banking. The results showed that the level of Islamic financial inclusion in Indonesia was classified as low during the study period and DKI Jakarta Province was the most inclusive province in Indonesia. Furthermore, this study analyzes the effect of the Islamic financial inclusion index on Islamic financing channeled to Micro, Small and Medium Enterprises (MSMEs) in Indonesia. Using the saturated sampling method, a total of 33 provinces in Indonesia were selected as samples with an observation period. The results show that the Islamic Financial Inclusion Index (IIK) has a significant positive effect on sharia financing channeled to the MSME sector, one of the regions that appears to be growing faster than other regions is Aceh. This research is different from previous financial sector inclusiveness studies that still see and study conventional (non-sharia) financial inclusion and find out the impact of sharia financial inclusion based on sharia financial inclusion indexes on sharia financing distributed to Micro, Small and Medium Enterprises in Indonesia and discuss comprehensively for MSME.

A Study on the Analytics Tool Used in Decision Making at Small and Medium Enterprise

2015 ◽  
Vol 3 (1) ◽  
Author(s):  
Vivek N. Bhatt
Keyword(s):  
Decision Making ◽  
Business Intelligence ◽  
Small And Medium Enterprises ◽  
Small Scale ◽  
Know How ◽  
Decision Making Styles ◽  
Routine Basis ◽  
Medium Enterprise ◽  
Decision Making Processes ◽  
Medium Enterprises

The article focuses on the study of prevailing decision making styles of Small Scale Industrial (SSI) Units. It presents data collected from 200 SSI units from Bhavnagar – a coastal city of Gujarat, India. The objective of writing the article is to depict heuristic decision patterns of small and medium enterprises, and the rare use of analytical or statistical business intelligence tools in decision making processes. It would be interesting to study the design of decision taken on routine basis in small units, poorly equipped with technology and technical know-how. The paper is descriptive in terms, and lays a lucid picture of present decision making processes.

SOSIALISASI PENDAFTARAN NPWP BAGI PRIBADI DAN PEMILIK UMKM DI DESA KANGKUNG, KECAMATAN MRANGGEN KABUPATEN DEMAK

2020 ◽  
Vol 3 (2) ◽  
Author(s):  
Maya Aresteria ◽  
Apip Apip ◽  
Deddy Sulestiyono ◽  
Rosdayah Fairuz Hitsotsu
Keyword(s):  
Community Service ◽  
Small And Medium Enterprises ◽  
Small And Medium Enterprise ◽  
Medium Enterprise ◽  
Training Activities ◽  
Medium Enterprises ◽  
Service Location ◽  
And Training

ABSTRACT -  Small and Medium Enterprise (SME) also known as UMKM is growing rapidly and has become one of many sectors to support the Indonesian Economy. The lack of ability to have NPWP has been a problem for UMKM and also people. The same problem also found at UMKM in Kangkung Village. The purpose of this community service is to train the entrepreneurs about preparing and register oneself to get a NPWP. This community service is consist of four steps which started by survey of service location then collecting data on village potentials and the role of the community , Preparation for the implementation of assistance and training and training activities. After participating in the training, the entrepreneurs become more understanding and can register NPWP. This community service is expected to be held continuously for the UMKM in Kangkung village Keywords: Small and Medium Enterprises, UMKM, NPWP

Effect of Product Turnover on Company Performance of SMEs

2021 ◽  
Vol 1 (3) ◽  
pp. 115-119
Author(s):  
Agus Sobar ◽  
Asep Deni ◽  
Riki Riswandi ◽  
Dendi Zainuddin Hamidi ◽  
Indra Permadi
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Measurement Model ◽  
Industrial Sector ◽  
Company Performance ◽  
Simple Linear Regression ◽  
Medium Enterprises ◽  
Positive Effect

Research related to the effect of product turnover on the performance of companies in the industrial sector is still needed to do research and study in depth. This is needed because the developed sector, especially related to product rotation, has an important role in advancing the sustainability of the company. The research methodology in this research is descriptive quantitative using simple linear regression analysis and using SPSS v 23 and Amos v 23 software as a calculation tool through a measurement model using simple Linear Regression at 87 MSMEs in Sukabumi City. The results of this study indicate a positive effect of product turnover on the performance of Small and Medium Enterprises.

scholarly journals Challenges Facing Financial Inclusion Due to the COVID-19 Pandemic

2020 ◽  
Vol 3 (2) ◽  
pp. 50
Author(s):  
Tea Kasradze
Keyword(s):  
Low Income ◽  
Small And Medium Enterprises ◽  
Financial Inclusion ◽  
Financial Resources ◽  
Financial Products ◽  
The Poor ◽  
Wide Range ◽  
Medium Enterprises ◽  
The Impact ◽  
Poor Population

Financial inclusion is often considered as an access to financial resources for the wide public and small and medium-sized businesses, although it is a much broader concept and includes a wide range of access to quality financial products and services, including loans, deposit services, insurance, pensions and payment systems. Mechanisms for protecting the rights of consumers of financial products and services are also considered to be subject to financial inclusion. Financial inclusion acquires great importance during the pandemic and post-pandemic period. The economic crisis caused by the pandemic is particularly painful for low-income vulnerable population. A large part of the poor population who were working informally has lost source of income due to lockdown from the pandemic. Remittances have also been reduced / minimized, as the remitters had also lost jobs and are unable to send money home. Today, when people die from Coronavirus disease, it may be awkward to talk about the financial side of a pandemic, but the financial consequences can be far-reaching if steps are not taken today to ensure access to and inclusion of financial resources. The paper examines the impact of the pandemic on financial inclusion and the responses of the governments and the financial sectors to the challenge of ensuring the financial inclusion of the poor population and small and medium enterprises.

scholarly journals THE STUDY OF SME’S PROFITABILITY AND ITS RELATION TO THE AVAILABILITY OF ELECTRICAL ENERGY IN TELUK WONDAMA REGENCY

2019 ◽  
Vol 2 (3) ◽  
pp. 173
Author(s):  
Irawantho Irawantho ◽  
Alimuddin Alimuddin ◽  
Nursini Nursini
Keyword(s):  
Small And Medium Enterprises ◽  
Research Result ◽  
Electrical Energy ◽  
Regression Equation ◽  
Primary Data ◽  
Energy Costs ◽  
Analysis Model ◽  
The Government ◽  
Medium Enterprises

This research aimed to investigate the effect of electrical energy costs, the business capital, and the total of the laborers on the profits of the Micro Small and Medium Enterprises in Teluk Wondama Regency.This research used the regression equation. The Objects of the study were Micro Small and Medium Enterprises who were business actors who were impacted doe to the establishment of the cooperation between the Government of Teluk Wondama Regency and PT. PLN in term of supply of the electrical energy. The data were collected using the technique of questionnaires distributed to 90 micro small and medium enterprises. The types of data used were the primary data. The analysis model used in this research was the multiple linear regression.The research result indicated that (1) The electrical costs had a positive and significant effect on the profits of SME in Teluk Wondama Regency; (2) The business capital had a positive and significant effect on the profits of SME in Teluk Wondama Regency; (3) The number of laborers had a positive and significant effect on the profits of SME in Teluk Wondama Regency. The roles of the three factors together had the effect of 46.5%, while the rest of about 53.5% was determined by other factors.

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