scholarly journals INFLUENCE OF MICROFINANCE LENDING ON THE PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN GATANGA SUB COUNTY OF MURANG’ACOUNTY IN KENYA

2017 ◽  
Vol 2 (2) ◽  
pp. 55-76
Author(s):  
Wachira P. Muruga ◽  
Dr Noor Ismail
Keyword(s):  
Significant Relationship ◽  
Small And Medium Enterprises ◽  
Research Work ◽  
P Value ◽  
Sample Population ◽  
Unique Contribution ◽  
Lending Policy ◽  
Beta Coefficient ◽  
And Performance ◽  
Medium Enterprises

Purpose: The purpose of the study was to assess the influence of microfinance lending on the performance of small and medium enterprises in Kenya.Methodology: The study adopted descriptive research design. The target population was 210 Small and Medium Enterprises operating in Gatanga Sub County of Murang’a County in Kenya. A stratified random sampling technique was used in this study. Data was collected using structured questionnaires. The sample population for this study was 94 Small and Medium Enterprises operating in Gatanga Sub County. Primary data was collected through a questionnaire. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables, graphs and charts. The study used multiple regression analysis model to establish the relationship between the variables.Results: The regression results showed that there is a positive and significant relationship between access to credit facilities and performance of SMEs as supported by a p value of 0.000 and a beta coefficient of 1.088. Results further showed that there is a positive and significant relationship between credit lending policy and performance of SMEs as supported by a p value of 0.001 and a beta coefficient of .072. In addition, results showed that there is a negative and significant relationship between interest rates and performance of SMEs as supported by a p value of 0.000 and a beta coefficient of -0.351. Lastly, results showed that there is a negative and significant relationship between collateral security and performance of SMEs as supported by a p value of 0.000 and a beta coefficient of -0.588.Unique contribution to theory, practice and policy: The findings of this study will be useful source of reference to researchers and scholars in their research work. Further, the government of Kenya will be able to appreciate which areas of microfinance lending need improvement and, thus formulate appropriate credit policies. In addition, MFIs will be able to train their credit officers on what kind of investment opportunities are viable for Small and Medium Enterprises. Similarly, the study will facilitate the availability of information for SMES businesses on influence of microfinance lending on the performance of their businesses and how best they can get access to microfinance as well as protect them from failure. 

scholarly journals Product Abundance, Product Delivery and Price of Product as Determinants of Online Business Profit Performance

2021 ◽  
Vol 16 (2) ◽  
pp. 391-407
Author(s):  
Syaza Fahzlin Mohd Fahrughazi ◽  
◽  
Amrizah Kamaluddin ◽  
Keyword(s):  
Significant Relationship ◽  
Business Performance ◽  
Small And Medium Enterprises ◽  
Product Price ◽  
Online Business ◽  
Profit Performance ◽  
Product Delivery ◽  
Business Profit ◽  
And Performance ◽  
Medium Enterprises

With the increasing number of small and medium enterprises (SMEs) in Malaysia, most young entrepreneurs have started to use the internet as their business platform. However, the issue faced by these SMEs is maintaining their profit performance and long-term business sustainability. In maintaining their profit performance, entrepreneurs need to ensure they have product abundance, provide the best service delivery and offer the best price in the market. Hence, the objective of this research was to examine the relationship between an online business performance with the three main pillars of online business - product abundance, product delivery and product price. 210 registered SMEs located in the Klang Valley were chosen as the survey respondents. The result indicates that, product abundance and product price have a significant relationship with the performance, while product delivery had no significant relationship. This study proved that price of products offered by online business is crucial in maintaining customers’ satisfaction that is closely related to sales and performance. The findings of the study assists the entrepreneurs in developing their business while contributing to the nation’s economy when more potential SMEs’ businesses with an online capability are able to penetrate into the international market and compete globally. Keywords: online business, product abundance, product delivery, price of product, profit performance

HUBUNGAN ANTARA RASIO KREDIT BERMASALAH DENGAN RASIO PROFITABILITAS: Studi Empiris pada BPRse-Kota Tangerang Periode 2015

2017 ◽  
Vol 2 ◽  
pp. 179-186
Author(s):  
Yohan Henri Wibowo
Keyword(s):  
Empirical Evidence ◽  
Significant Relationship ◽  
Small And Medium Enterprises ◽  
Profit Margin ◽  
Financial Report ◽  
Secondary Sources ◽  
Normality Test ◽  
Net Profit ◽  
Medium Enterprises ◽  
The City

The aims of this study is to find empirical evidence, that there is a significant relationship between the Non Performing Loan Ratio is reflected in indicators of Non-Performing Loan (NPL) with a Profitability Ratio that is reflected in the indicators Net Profit Margin (NPM).The collecting of data method is secondary sources from Quarterly Financial Report Rural Banks (hereinafter referred to as BPR) as the city of Tangerang. The sample in this study is BPRin Kota Tangerang are categorized as Micro, Small and Medium Enterprises (hereinafter referred to as SMEs). The hypothesis was tested by normality test and linear regression, The results of the study are not found empirical evidence that there is a significant relationship between Non-Performing Loan Ratios were reflected in NPL with Ratio Profitability indicators are reflected in indicators of NPM.These results indicate that required the mediating factor, namely the Contractual Interest Income from Loans and Expenses of Assets Allowance (hereinafter referred PPAPWD) Keywords: Non-Performing Loan, Net Profit Margin

scholarly journals Influence of Information Technologies on the Company’s Competitive Advantage on the Market in Conditions of the Global Crisis

2018 ◽  
Vol 14 (2) ◽  
Author(s):  
Nataša Đalić ◽  
Mina Paunović
Keyword(s):  
Competitive Advantage ◽  
Technological Progress ◽  
Information Technologies ◽  
Small And Medium Enterprises ◽  
Research Work ◽  
Quality Cost ◽  
Global Crisis ◽  
Crisis Conditions ◽  
Medium Enterprises ◽  
Republika Srpska

In the recent decades, there has been recorded a great expansion in the computing and communication field and all the predictions are pointing to the further technological progress when using information technologies (IT) in the companies’ business. The appearance of IT in business offers certain advantages, has an influence on the business quality, cost control and also on achieving and maintaining competitive advantage of companies in conditions of the global crisis. The research was carried out on the teritory of Republika Srpska, on the sample of 136 small and medium enterprises. The key goal of this research work was to analyze the existing effects of IT at the level of competitive advantage of companies on the market in the global crisis conditions. The research results confirmed a big importance of IT in the company business for the purpose of achieving and maintaining competitive advantage on the market in conditions of the global crisis.

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 Predictor of purnawidya performance post training of wound care blended learning method in DKI Jakarta

2021 ◽  
Vol 3 (2) ◽  
pp. 352-361
Author(s):  
Haerani Idah
Keyword(s):  
Blended Learning ◽  
Significant Relationship ◽  
Wound Care ◽  
Dominant Factor ◽  
P Value ◽  
Learning Method ◽  
Diabetic Wound ◽  
Performance Score ◽  
Care Training ◽  
And Performance

The COVID-19 pandemic situation has hampered wound care services. Apart from contact restrictions, patient and family anxiety to visit hospitals and health workers having diabetic wound care skills are still inadequate. Only 1 unit of First Level Health Facility (FKTP) has succeeded in developing a diabetic wound care polyclinic; thus, the percentage of diabetic wound sufferers who receive standard services is only 1 percent. This study aims to determine predictors of graduate performance after wound care training with blended learning methods in Jakarta Province in 2021. Descriptive quantitative method using a cross-sectional approach and primary data were collected using structured questionnaire survey technique. The study was carried out from August to September 2021. The population was all 44 graduates of wound care training with the blended learning method. The result shows that the correlation value (r) between age and performance score was 0.43 with a P-value of 0.007. It means that there is a statistically significant relationship between age and the graduate performance score. There is also a significant relationship between motivation and performance scores, with the correlation value (r) between motivation scores and performance scores of 0.37, P-value of 0.020. The dominant factor that affects graduate performance is motivation, with a P-value of 0.02. The magnitude of the variation that affects the dependent variable is 0.129, meaning that the motivation variable can explain 12-13 percent of the variation in the graduate performance score.  

Green Manufacturing Practices and Performance among SMEs

2013 ◽  
pp. 208-225 ◽  
Author(s):  
T. Ramayah ◽  
Osman Mohamad ◽  
Azizah Omar ◽  
Malliga Marimuthu ◽  
Jasmine Yeap Ai Leen
Keyword(s):  
Small And Medium Enterprises ◽  
Green Manufacturing ◽  
Performance Data ◽  
Green Technologies ◽  
Environmental Initiatives ◽  
Manufacturing Performance ◽  
Green Practices ◽  
And Performance ◽  
Medium Enterprises ◽  
The Relationship

Due to the rise in environmental awareness, green technologies and practices have become the conscientious imperative expected from all manufacturing industries. Consequently, environmental initiatives are becoming an essential part of the strategic planning in organizations, including the small and medium enterprises (SMEs). Thus, the objectives of this study were to determine the extent of implementation in green manufacturing practices among the SMEs as well as to examine the relationship between those practices and manufacturing performance. Data was collected via a survey from 544 SMEs across all types of industries located throughout Malaysia. Results of the analysis showed that there is an encouraging level of implementation in green practices among the SMEs, with the optimization of processes to reduce solid waste being the top practice. The results also revealed that green practices within the inbound and production phase of the manufacturing lifecycle significantly affected manufacturing performance but not practices within the outbound phase.

Green Manufacturing Practices and Performance among SMEs

2013 ◽  
pp. 1026-1043
Author(s):  
T. Ramayah ◽  
Osman Mohamad ◽  
Azizah Omar ◽  
Malliga Marimuthu ◽  
Jasmine Yeap Ai Leen
Keyword(s):  
Small And Medium Enterprises ◽  
Green Manufacturing ◽  
Performance Data ◽  
Green Technologies ◽  
Environmental Initiatives ◽  
Manufacturing Performance ◽  
Green Practices ◽  
And Performance ◽  
Medium Enterprises ◽  
The Relationship

Due to the rise in environmental awareness, green technologies and practices have become the conscientious imperative expected from all manufacturing industries. Consequently, environmental initiatives are becoming an essential part of the strategic planning in organizations, including the small and medium enterprises (SMEs). Thus, the objectives of this study were to determine the extent of implementation in green manufacturing practices among the SMEs as well as to examine the relationship between those practices and manufacturing performance. Data was collected via a survey from 544 SMEs across all types of industries located throughout Malaysia. Results of the analysis showed that there is an encouraging level of implementation in green practices among the SMEs, with the optimization of processes to reduce solid waste being the top practice. The results also revealed that green practices within the inbound and production phase of the manufacturing lifecycle significantly affected manufacturing performance but not practices within the outbound phase.

A Panel Data Analysis for Exploring the New Determinants of Growth in Small and Medium Sized Enterprises in India

2017 ◽  
Vol 8 (1) ◽  
pp. 1-23
Author(s):  
Manoj Kumar
Keyword(s):  
Firm Growth ◽  
Small And Medium Enterprises ◽  
Panel Data Analysis ◽  
Growth Opportunities ◽  
Tax Rate ◽  
Determining Factors ◽  
Main Determinants ◽  
And Performance ◽  
Medium Enterprises ◽  
Future Growth

The purpose of this paper is to explore the main determinants of growth in small and medium sized enterprises (SMEs) in India. The empirical research has suggested that firm growth is determined not only by the traditional characteristics of size and age but also by other firm-specific factors such as indebtedness, internal financing, future growth opportunities, process and product innovation, and organisational changes. No empirical evidence has been provided so far on which of these determining factors are associated with SMEs growth and performance in India. Using a panel dataset of 560 fast growing small and medium enterprises from India the author finds evidence that firm size and age can explain to a large extend the growth in SMEs in India. Firm specific characteristics such as short-term liquidity, future growth opportunities, internally generated funds, and factor productivity are found to be important factors in determining a firm's growth and performance. Economy-wide factors such as inflation and corporate income tax rate (but not gross domestic product) seem to have a significant effect on SMEs growth in India.

scholarly journals Innovative CRM and Performance of SMEs: The Moderating Role of Relational Capital

2020 ◽  
Vol 6 (4) ◽  
pp. 155
Author(s):  
Nagwan AlQershi ◽  
Sany Sanuri Mohd Mokhtar ◽  
Zakaria Bin Abas
Keyword(s):  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Critical Role ◽  
Customer Relationship ◽  
Relational Capital ◽  
And Performance ◽  
Medium Enterprises ◽  
The Relationship ◽  
Key Customer

Customer Relationship Management (CRM) is more than an information tool and plays a critical role in small and medium enterprises (SMEs). The present study explored the moderating effect of relational capital (RC) on the relationship between CRM dimensions and the performance of 284 Yemeni manufacturing SMEs. Partial Least Squares-Structural Equation Modelling (PLS-SEM) was used to test the study’s hypotheses. Results indicate that only three of the CRM dimensions have a significant effect on performance. The moderating effects of relational capital on this relationship were also examined and were found to be significant for only two CRM dimensions: technology-based CRM and CRM organization. Key customer focus and CRM knowledge management had no effect. The findings of this study offer important insights for owners and managers of SMEs, researchers, and policymakers to further understand the effects of relational capital and CRM on SMEs’ performance. SMEs should be encouraged to develop their CRM and relational capital to improve their performance.

Modelling strategic orientation dimensions and performance of small and medium enterprises

2019 ◽  
Vol 14 (3) ◽  
pp. 754-772 ◽  
Author(s):  
Seemant Kumar Yadav ◽  
Vikas Tripathi ◽  
Geetika Goel
Keyword(s):  
Small And Medium Enterprises ◽  
Structural Modeling ◽  
Strategic Orientation ◽  
Decision Makers ◽  
Interpretive Structural Modeling ◽  
Content Type ◽  
Manufacturing Performance ◽  
Different Dimensions ◽  
And Performance ◽  
Medium Enterprises

Purpose The purpose of this paper is to identify and rank different dimensions of strategic orientation and firm’s performance using the approach of interpretive structural modeling. Design/methodology/approach The study uses interpretative structural modeling and the MICMAC technique to establish a hierarchical relationship among different dimensions of entrepreneurial orientation and manufacturing performance of Indian SMEs. Findings The final outcome of interpretative structural modeling and the MICMAC analysis revealed a relationship between the variables under study along with the categorization of all in two different categories, depending upon their driving power and dependency, which decision-makers can also use while devising their strategy to improve performance. Originality/value To date, to the best of the authors’ knowledge, no significant contribution about such interrelationship was reported; therefore, this study is one of its types to fill this gap.

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