中国中小企业 Pub Date : 2022-10-31 DOI: 10.35508/jom.v15i3.6595

D. Pangaribuan, Amor Marundha, M. Mulyadi

引用次数: 0

ASSESSMENT OF INVESTMENT D ECISIONS AND FINANCIAL PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN FEDERAL CAPITAL TERRITORY, NIGERIA 尼日利亚联邦首都地区中小企业投资决策和财务绩效评估。

中国中小企业 Pub Date : 2022-10-30 DOI: 10.46281/ijsmes.v5i1.1813

{"title":"ASSESSMENT OF INVESTMENT D ECISIONS AND FINANCIAL PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN FEDERAL CAPITAL TERRITORY, NIGERIA","authors":"","doi":"10.46281/ijsmes.v5i1.1813","DOIUrl":"https://doi.org/10.46281/ijsmes.v5i1.1813","url":null,"abstract":"This study evaluated the Assessment of Investment Decisions and Financial Performance of Small and Medium Enterprises in the Federal Capital Territory, Nigeria. Multi-stage sampling technique was adopted and used. Data were collected through the use of structured questionnaires from 400 sampled SMEs. Data were analyzed using, Descriptive Statistics, Correlation Matrix and Logit Regression Model. The results show there is a positive correlation between annual return i.e. financial performance and new property acquisition and a negative correlation existed with new plant and acquisition. The result of the logit model shows that the factors influencing investment decisions among SMEs were the coefficient of education (P<0.01) probability level. The coefficient of the competition level was negative and statistically significant at (P <0.05). Furthermore, the coefficient of the initial investment capital (P<0.05). The coefficient of the infrastructure was positive and statistically significant at (P<0.05). Therefore, the study recommends that Policy should be formulated towards educating and training SMEs owners to have more knowledge about business enterprise operations in order to be able to assess their financial performance, external funding and capital should be provided to SMEs at a lower and affordable interest rate, SMEs owners should be encouraged to be willing to invest more into their business to expand their business for more profit, local polices and local infrastructure to enhance SMEs participation in Federal Capital Territory AMAC should be provided. Media blitz could also be harnessed to augment policy awareness among SMEs.","PeriodicalId":56797,"journal":{"name":"中国中小企业","volume":"19 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81127892","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

MICRO, SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE CHALLENGES IN SUPPLY SIDE PERSPECTIVE IN ETHIOPIA 埃塞俄比亚中小微企业融资面临的供给侧挑战

中国中小企业 Pub Date : 2022-10-15 DOI: 10.46281/ijsmes.v5i1.1808

T. Wajebo

{"title":"MICRO, SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE CHALLENGES IN SUPPLY SIDE PERSPECTIVE IN ETHIOPIA","authors":"T. Wajebo","doi":"10.46281/ijsmes.v5i1.1808","DOIUrl":"https://doi.org/10.46281/ijsmes.v5i1.1808","url":null,"abstract":"Empirical evidence shows that the contribution of Micro, Small and Medium Enterprises Empirical evidence shows that the contribution of Micro, Small and Medium Enterprises (MSMEs) to gross domestic product growth, job creation, and poverty alleviation is high. Because of limited access to finance and other factors, a significant number of MSMEs, particularly in developing countries, cannot realize their full potential. The study investigates the micro, small, and medium enterprises' access to finance challenges from the supply-side perspective in Ethiopia. The study employed descriptive analysis using survey data collected from purposely selected 11 banks and 9 micro-finance institutions (MFI). The results show that the lack of collateral, unavailability of financial records, poor pre-loan savings, low loan repayment rate, business feasibility problems, credit information asymmetry, attitudinal problems of the MSMEs, and diversion of the loan are demand-side constraints. From the financial institution’s perspective, the result shows that the liquidity problem, the influence of unfair competition from government banks, the lack of competent human resources, political leaders’ intervention, especially in MFI, corruption, the COVID-19 pandemic, political instability, and inadequate capital are major obstacles. Macroeconomic conditions related to challenges such as foreign exchange shortages, inflation, and trade imbalances are also mentioned as major obstacles. According to the findings of this study, designing and implementing business skill development in mindset, business planning, business bookkeeping, and financial reports can help MSMEs access loans. For financial institutions, the study suggests cash flow-based lending products, applying psychometric testing for credit scoring, improving the governance of the government-affiliated MFIs, and automating the MFIs.","PeriodicalId":56797,"journal":{"name":"中国中小企业","volume":"352 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82602405","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

MICRO, SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE CONSTRAINTS IN ETHIOPIA: DEMAND SIDE ANALYSIS 埃塞俄比亚中小微企业融资受限:需求侧分析

中国中小企业 Pub Date : 2022-10-15 DOI: 10.46281/ijsmes.v5i1.1809

T. Wajebo

{"title":"MICRO, SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE CONSTRAINTS IN ETHIOPIA: DEMAND SIDE ANALYSIS","authors":"T. Wajebo","doi":"10.46281/ijsmes.v5i1.1809","DOIUrl":"https://doi.org/10.46281/ijsmes.v5i1.1809","url":null,"abstract":"Despite the immense importance of micro, small and medium enterprises (MSMEs) to job creation and the alleviation of abject poverty, significant numbers of MSMEs cannot realize their full potential because of limited access to finance and other factors, mostly in developing countries. The study investigates micro, small and medium enterprises' access to finance constraints in Ethiopia from a demand-side perspective. This study employed a descriptive analysis using survey data collected from 814 randomly selected sample enterprises. The results show that about 76% of the MSMEs were established by initial capital majorly generated from their own savings, family or friends, Equub, and saving and credit cooperatives among others. The remaining 24% accessed their initial capital from formal financial institutions. From the total, 39.4% of MSMEs did not apply for loans due to high collateral requirements, complex application procedures, unfavorable interest rates, insufficient loan size, maturity, and grace period, and lack of transparency. The study results also reveal that 22%, 46%, and 32% of the MSMEs are partially credit constrained, fully credit constrained, and non-credit constrained, respectively. The difference between the average demand and the loan supplied is estimated to be 3241, 11444, and 30949 USD for each micro, small, and medium-sized enterprise, respectively. The total estimated finance gap for all MSMEs is 31.7 billion USD. The findings of this study suggest the establishment of public credit guarantee schemes, cash flow-based lending, and psychometric testing for credit scoring and automating the MFIs' services to improve MSMEs' access to finance.","PeriodicalId":56797,"journal":{"name":"中国中小企业","volume":"267 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79808132","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

A SURVEY ON RESPONSES OF COTTAGE, MICRO AND SMALL ENTERPRISES SECTOR DURING COVID-19 IN BANGLADESH 2019冠状病毒病期间孟加拉国家庭、微型和小型企业部门应对情况调查

中国中小企业 Pub Date : 2022-08-23 DOI: 10.46281/ijsmes.v5i1.1787

Saila Sarmin Rapti, Ishrat Sharmin, M. Hasan

{"title":"A SURVEY ON RESPONSES OF COTTAGE, MICRO AND SMALL ENTERPRISES SECTOR DURING COVID-19 IN BANGLADESH","authors":"Saila Sarmin Rapti, Ishrat Sharmin, M. Hasan","doi":"10.46281/ijsmes.v5i1.1787","DOIUrl":"https://doi.org/10.46281/ijsmes.v5i1.1787","url":null,"abstract":"This study examines the short-term impact of COVID-19 restrictions on small-sized enterprises based on phone and social media interviews. This research aimed to study Cottage, Micro, and Small Enterprises (CMSEs) during the covid-19 pandemic and analyze the policy measures taken afterwards. Affected by problems of logistics challenges, labour shortages, and drops in demand, most Small and Medium Enterprises (SMEs) were temporarily closed at the time of the first wave of covid-19 during our survey. We found several challenges encountered by the CMSEs owners during the early outbreak of Covid-19. This study used a descriptive analysis method of primary data obtained directly from field surveys and secondary data from Bangladesh Bank and SME foundation. This study focuses on the Dhaka city area during the Covid-19 pandemic. After reining in COVID-19, authorities eased lockdown restrictions in August 2020, and most of the small businesses had reopened by this time. Considering their issues and problems, the Government of Bangladesh and Bangladesh Bank have taken several policy measures to mitigate the loss of SME owners during the pandemic. These policies are also mentioned at the end of the study.","PeriodicalId":56797,"journal":{"name":"中国中小企业","volume":"76 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88579542","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

ANALISIS PERBANDINGAN METODE MANAJEMEN PROYEK TI YANG PALING SERING DIGUNAKAN DI INDONESIA DAN LUAR NEGERI: A LITERATURE REVIEW 分析最常用的it项目管理方法分析:一篇文献评论

中国中小企业 Pub Date : 2022-06-24 DOI: 10.35508/jom.v15i2.7527

Afifa Witania, Ardina Dana Nugraha, E. Ermawati, Luluk Fajar Sari, Nikita Lia Megawati, Nuzul Nur Fadillah

引用次数: 0

STRATEGI KOMUNIKASI PEMASARAN SHIFT MERCHANDISE DALAM MEMBANGUN BRAND AWARENESS

中国中小企业 Pub Date : 2022-06-15 DOI: 10.35508/jom.v15i2.7391

Farrah Septrina, Indri Dianita

{"title":"STRATEGI KOMUNIKASI PEMASARAN SHIFT MERCHANDISE DALAM MEMBANGUN BRAND AWARENESS","authors":"Farrah Septrina, Indri Dianita","doi":"10.35508/jom.v15i2.7391","DOIUrl":"https://doi.org/10.35508/jom.v15i2.7391","url":null,"abstract":"The phenomenon of Hijrah is familiar in big cities and involves many young people. The Shift Pemuda Hijrah is one of the Islamic movements that formed the phenomenon of hijrah in the city of Bandung. To support its da'wah operational activities, Shift Pemuda Hijrah formed a business unit called Shift Merchandise. Shift Merch is engaged in the apparel sales industry. Shift Merch, which was initiated in 2015 in Bandung and launched into the clothing industry in March 2016. This study aims to determine the marketing communication strategy of Shift Merch in building brand awareness. This study uses an interpretive paradigm with a descriptive qualitative approach. The data in this study were obtained through observation, documentation, literature study and the results of interviews with the Shift Merch branding officer as a key informant, a marketing expert as an expert informant and Shift Merch admin as a supporting informant. The results of this study reveal that there are message strategies and media strategies used by Shift Merch in carrying out marketing communications that are always integrated with Shift Media, because Shift Merch is a measuring tool for indicators of the success of their preaching Shift Pemuda Hijrah. Through its marketing communication medium, namely Instagram, Shift Merch has succeeded in building brand awareness through Shift Media. Suggestions that researchers can give are to add new media channels and build stories on creative messages so that they can build their own brand awareness. \u0000Keywords: Marketing Communication, Brand Awareness, Shift Merch","PeriodicalId":56797,"journal":{"name":"中国中小企业","volume":"62 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74699935","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

ANALISIS KINERJA KEUANGAN PT WASKITA KARYA (PERSERO) TBK SEBELUM DAN SELAMA PANDEMI COVID-19 PT WASKITA财务绩效分析(PERSERO) TBK在COVID-19大流行之前和期间的工作

中国中小企业 Pub Date : 2022-05-28 DOI: 10.35508/jom.v15i2.6931

Rakhmat Hadi Sucipto

{"title":"ANALISIS KINERJA KEUANGAN PT WASKITA KARYA (PERSERO) TBK SEBELUM DAN SELAMA PANDEMI COVID-19","authors":"Rakhmat Hadi Sucipto","doi":"10.35508/jom.v15i2.6931","DOIUrl":"https://doi.org/10.35508/jom.v15i2.6931","url":null,"abstract":"The Covid-19 pandemic has had a broad impact on the Indonesian economy, including the construction sector. Many projects were delayed due to the company's funding difficulties. PT Waskita Karya (Persero) Tbk as one of the companies engaged in the construction sector was also affected by the pandemic, indicated by declining financial performance. This study aims to determine the financial performance of PT Waskita Karya before and during the pandemic and to examine the company's financial ratios. The study used descriptive research methods with a quantitative approach. The data comes from internal companies and the Indonesia Stock Exchange. By using the secondary data, the analysis focuses on the current ratio, quick ratio, debt to assets ratio, debt to equity ratio, return on assets, and return on equity. The results showed that several indicators of PT Waskita Karya (Persero) Tbk's financial performance were affected by the Covid-19 pandemic. In terms of liquidity, the current ratio and the quick ratio differ significantly before and during the pandemic. The solvency ratio, both the debt to assets ratio and the debt to equity ratio, were not significantly different before and during the pandemic. In profitability ratios, return on assets and return on equity are both significantly different between before and during the pandemic. \u0000Keywords: Covid-19 pandemic, Financial Performance, Financial Ratios \u0000 ","PeriodicalId":56797,"journal":{"name":"中国中小企业","volume":"161 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-05-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72724314","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

ORIENTASI PASAR DAN ORIENTASI KEWIRAUSAHAAN DALAM MEMPENGARUHI KINERJA PEMASARAN DI MASA RECOVERY PANDEMI COVID-19 市场取向和创业精神在COVID-19大流行期间影响营销表现方面的影响

中国中小企业 Pub Date : 2022-05-21 DOI: 10.35508/jom.v15i2.6504

Indah Yuni Astuti, Miftahul Munir

{"title":"ORIENTASI PASAR DAN ORIENTASI KEWIRAUSAHAAN DALAM MEMPENGARUHI KINERJA PEMASARAN DI MASA RECOVERY PANDEMI COVID-19","authors":"Indah Yuni Astuti, Miftahul Munir","doi":"10.35508/jom.v15i2.6504","DOIUrl":"https://doi.org/10.35508/jom.v15i2.6504","url":null,"abstract":"The COVID-19 pandemic has become a separate obstacle for society in general, ranging from social constraints to improving the economy of a society in particular. This situation must be taken into consideration by the household craft industry players to be able to survive and develop their business activities in generating productivity and profits through market orientation and entrepreneurship strategies. The purpose of this study was to determine the effect of market orientation and entrepreneurship on the marketing performance of the wood craft industry business actors in the village area of Boro Kedungwaru, Tulungagung. The population and samples that became the object of this study were all wood craft business actor as many as 45 respondents. Sampling using saturated sampling technique, and data collection using a questionnaire with a Likert scale as the instrument. Data analysis used validity and reliability test, multiple linear regression test, determinant coefficient test and hypothesis testing (t test & F test). The results of the research conducted showed that 1) It was a significant and partial influence between market orientation and entrepreneurial orientation on the marketing performance of household handicraft business actors during the recovery period of the COVID-19 pandemic. 2). Market orientation and entrepreneurial orientation have a positive and significant impact simultaneously on the marketing performance of household handicraft business actors during the recovery period of the COVID-19 pandemic. The results of this study indicate that market orientation and entrepreneurial orientation have urgency and contribution in supporting the marketing performance of wood handicraft business actors especially during the COVID-19 pandemic. \u0000Keywords: Market Orientation, Entrepreneurship Orientation, Marketing Performance","PeriodicalId":56797,"journal":{"name":"中国中小企业","volume":"10 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-05-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90986372","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

ANALISIS KELAYAKAN FINANSIAL UPAYA MENINGKATKAN PENDAPATAN PRODUSEN STROBERI SELAMA PANDEMI COVID 19 DI MAGELANG JAWA TENGAH 在爪哇岛中部马格朗的COVID 19大流行期间，对草莓生产商的收入进行了经济上的可行性分析

中国中小企业 Pub Date : 2022-05-18 DOI: 10.35508/jom.v15i2.6723

P. Gandhi, Wawan Oktariza, Muhammad Kahfi, Annisa Rizky

引用次数: 0

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