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Zeitschriftenartikel zum Thema "Financing Micro enterprises"

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Prijadi, Ruslan, Permata Wulandari, Putri Mega Desiana, Fajar Ayu Pinagara und Maya Novita. „Financing needs of micro-enterprises along their evolution“. International Journal of Ethics and Systems 36, Nr. 2 (09.04.2020): 263–84. http://dx.doi.org/10.1108/ijoes-05-2018-0071.

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Purpose The purpose of this paper aims to investigate micro enterprises financing in Indonesia and examines how this financing differs, depending on the enterprise’s development stage. This research also identifies some structural problems related to micro-financing and provides workable solutions. Design/methodology/approach This research uses the entrepreneurial network model of Schutjens and Stam (2003) to examine how Indonesian micro and small enterprises (MSEs) evolve even before they become regular small businesses. Content analysis is used on 10 micro-enterprises from Jakarta, the capital city of Indonesia and its surroundings. Financing issues at each stage of enterprise development are identified and deeply examined. Findings This research not only confirms the significant financing problems micro-enterprises face but also clarifies that these problems are unique to each stage of the MSEs’ development. One insight is that most micro-enterprises do not use funding from formal institutions. That is, business owners rely more on funding from non-formal institutions. This is because these enterprises’ managers generally cannot prepare loans application and/or they are lack of knowledge/training on financing matters. They hesitate to borrow from formal financial institutions, as the rates are high but the processing time is longer than those of the loan sharks. Originality/value This research contributes to the field of entrepreneurial finance by identifying the structural problems inherent in micro-finance and providing workable solutions for overcoming these problems.
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You, Desheng. „Research on Financing of Small and Micro Enterprises in Shenzhen“. SHS Web of Conferences 151 (2022): 01037. http://dx.doi.org/10.1051/shsconf/202215101037.

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With the rapid development of China’s economy, small and micro enterprises have become an important pillar of the national economy. The financing mode and financing channels of small and micro enterprises have been greatly improved, but they are still not comprehensive enough. Credit financing is still the core financing mode of small and micro enterprises. However, most of them are small and micro enterprises. When applying for creditor’s rights financing, it is often difficult to get a satisfactory response. The financing difficulties of small and micro enterprises are the key factors hindering the development of small and micro enterprises. Therefore, it is of great significance for the financial management and development of small and micro enterprises to study the financing problems of small and micro enterprises and analyze the financial problems of small and micro enterprises. This paper summarizes Shenzhen’s finance in recent years through questionnaires. Supporting the experience, practice and achievements of small and micro enterprises in financing, combing the main demands of small and micro enterprises in financing and the problems in financing process of financial support for small and micro enterprises with data, and putting forward relevant suggestions and suggestions.
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Pan, Qiufeng. „Innovation of Internet Finance and Small and Micro Enterprise Financing Mode“. E3S Web of Conferences 236 (2021): 04015. http://dx.doi.org/10.1051/e3sconf/202123604015.

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With the rapid development of the Internet, Internet financial services are also constantly popularizing, constantly occupying an important position in the financial market, the rapid development of Internet finance has improved the way of social financial services, enriched the types of financial products, effectively solved the problems of small and micro enterprises in financing difficulties, high financing costs, slow financing speed, and played an important role in the financing of small and micro enterprises. But under the development mode of Internet finance, the financing mode of small and micro enterprises still faces some shortcomings and problems. The purpose of this paper is to introduce the current situation of Internet finance and small and micro enterprise financing, take this as the starting point to study, further analyze the problems and reasons, and analyze the relevant countermeasures according to the problems.
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Mao, Tianhua. „Game Theory Analysis of Commercial Banks and Micro-Enterprises Credit in Post - epidemic Era“. BCP Business & Management 31 (05.11.2022): 445–52. http://dx.doi.org/10.54691/bcpbm.v31i.2661.

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Micro-Enterprises are an important component of the economy and have made significant contributions to economic development. Especially in the post-epidemic period, the need for national economic growth and the importance of micro-enterprise development is gradually prominent. Micro-Enterprises still face the problem of “financing difficulty”, unable to get enough bank loans. In this paper, from the perspective of game theory, the incomplete information static game between micro-enterprises and commercial banks will be constructed. This paper mainly discusses the pre-loan investigation of commercial banks for micro-enterprises and provides some suggestions for the financing difficulty of micro-enterprises.
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Zhao, Xinlong, Shengnan Qi, Yutong Song und Yining Chen. „Research about problems of improving the financing-difficulty issue for small, medium and micro-sized enterprises based on the perspective of city commercial banks in the dual circulation background“. E3S Web of Conferences 275 (2021): 01054. http://dx.doi.org/10.1051/e3sconf/202127501054.

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In order to solve the current financing-difficulty issue for small, medium and micro-sized enterprises, in the “ two sessions ” of 2021, government has released various favoring policies regards the development of small-sized enterprises, and predictably, in the future small, medium and micro-sized enterprises could combine with more and more policy advantages to achieve sustainable progress. As local financial institution, city commercial banks as well undertakes the responsibility of providing financial supports for small, medium and micro-sized enterprises and laying out the fundamental basis for local economy. This article will initiate from functions of our national city commercial banks in financing for small, medium and micro-sized enterprises, then respectively analyse the current situation of both small, medium and micro-sized enterprises financing and city commercial banks, bring up challenges that city commercial banks confront in the progress of business of financing for small, medium and micro-sized enterprises, and offer suggestions concerning promoting our national city commercial banks’ financing business and measures to deal with existing issues. At the end, based upon the development orientation of city commercial banks, provide optional measures aimed to ameliorate the financing-difficulty issue of our national small, medium and micro-sized enterprises.
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Beizitere, Ilona, Ieva Brence und Biruta Sloka. „Public Financing Support Options to Micro-Enterprises for Innovation“. European Integration Studies 1, Nr. 14 (22.10.2020): 172–84. http://dx.doi.org/10.5755/j01.eis.1.14.26569.

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Innovation related to the technological advances of entrepreneurship are essential in Industry 4.0. The availability of sufficient funding is one of the factors promoting innovations in companies. Therefore the issue of access to finance remains relevant. The study investigates the availability of public financial support for micro-enterprises - the largest enterprise category in Latvia (approximately 94%), focusing on those for whom the introduction of innovations is essential for their growth. In an ad hoc survey of companies registered in Latvia in nationally defined sectors, entrepreneurs disclosed their sources of funding over the three-year period: 2015-2017. Valid responses from 2511 companies, of them 1879 were micro-enterprises, revealed not only the diversity of their financial sources but also the reluctance of external financiers to support companies willing to innovate. Out of the micro-enterprises surveyed, which required new or additional funding during the three-year period in question, 21% stated that the goal of funding was “the development and introduction of new products or services”. Innovation as an important factor was stated by 28% micro-enterprises. According to the data processed by SPSS, micro-enterprises still prefer internal financing (64%) among many sources, whereas only 11% of the respondents used public funding. The micro-enterprises, for which innovation is important, relied solely on internal finance (65%), while public support was used by 13%. Based on the results of the study of Latvian companies, the need to improve the availability of financing for micro-enterprises is highlighted by creating a targeted\external funding offer in the form of a financial instrument based on public finance support.
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Lai, Yuan. „Empirical Study on Financing Constraints of Small and Micro Enterprises in Taizhou“. Advances in Economics, Management and Political Sciences 70, Nr. 1 (08.01.2024): 191–97. http://dx.doi.org/10.54254/2754-1169/70/20231696.

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The development of regional and private economies has been hindered by the persistent challenges faced by small and micro companies in securing financing. This study develops an empirical framework to examine financing limitations and conducts a comparative analysis on the financing constraints faced by small and micro firms in Taizhou. The analysis is based on a dataset specifically collected for small and medium-sized enterprise financing. Research indicates that capital structure factors have an impact on the investments of both medium-sized enterprises and micro, small, and medium enterprises (MSMEs). However, MSMEs tend to face more severe limitations in accessing financing compared to medium-sized enterprises. Additionally, the presence of assets that can be used as collateral is found to significantly influence the level of indebtedness for MSMEs, whereas its effect on medium-sized enterprises is less pronounced. The article presents a range of countermeasure proposals aimed at addressing the financing challenges faced by MSMEs. These proposals encompass several key areas, including the establishment of a policy support system that promotes collaboration across multiple sectors, the provision of differentiated credit support, the restructuring of the financing credit guarantee system, and the advancement of digital inclusive finance to enhance the precision of financial services for MSMEs.
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Kong, Yan, und Yanna Wang. „Research on the Innovation of Supply Chain Financial Operation mode in the Pharmaceutical Circulation Field---Taking the Accounts Receivable Securitization as an Example“. E3S Web of Conferences 275 (2021): 03061. http://dx.doi.org/10.1051/e3sconf/202127503061.

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In recent years, the scale of China’s pharmaceutical circulation market has continued to expand, and the government has issued relevant policies to regulate the market. For example, the implementation of two-vote system has led to the increase of accounts receivable of pharmaceutical circulation enterprises year by year with a decrease of accounts receivable turnover rate and an increasing pressure of capital turnover. The enterprise accounts receivable securitization is an important way for enterprises to broaden financing channels, reduce financing costs, revitalize existing assets and improve the efficiency of asset use, while the securitization of statement type assets is the only standardized financial tool to reduce the leverage ratio of enterprises and realize financial optimization. Asset securitization can relieve the pressure of capital turnover and reduce the cost of financing. The case analysis part of this paper analyzes the factors that promote the financial innovation of enterprise’s supply chain from the macro and micro perspectives. And also from the perspective of the capital demand of upstream and downstream enterprises, this part analyzes the motivation of developing supply chain financial innovation. the innovation of supply chain financial operation mode.
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Zhang, Lei. „Can Bank Competition Promote the Export of Small and Micro Enterprises—Based on the Perspective of Offering Fuel in Snowy Weather“. Sustainability 14, Nr. 20 (20.10.2022): 13542. http://dx.doi.org/10.3390/su142013542.

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Based on the China Micro and Small Enterprise Survey (CMES) and the financial license of the China Bank and Insurance Regulatory Commission, this paper theoretically and empirically analyzes the influence of bank competition on the export of small and micro enterprises and its mechanisms. This study finds that bank competition can promote the export tendency of small and micro enterprises and increase their export volume. This conclusion is still valid after the robustness test and endogenous treatment. Mechanism analysis demonstrates that strengthening bank competition can promote the export of enterprises with higher financing constraints and enterprises with lower productivity, highlighting the function of offering fuel in snowy weather. Higher financial literacy of enterprise organizers can improve the role of bank competition in promoting the export of small and micro enterprises. The heterogeneity analysis shows that bank competition plays a stronger role in the export of enterprises in the eastern and western regions, large-scale enterprises, and enterprises in industrial parks. Therefore, it is of great significance to reasonably strengthen the competition of the bank industry, carry out financial knowledge education among enterprises, and speed up the establishment of industrial parks to promote the export of small and micro enterprises, and ensure steady economic growth.
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Mohd Thas Thaker, Mohamed Asmy Bin, Mustafa Omar Mohammed, Jarita Duasa und Moha Asri Abdullah. „Developing cash waqf model as an alternative source of financing for micro enterprises in Malaysia“. Journal of Islamic Accounting and Business Research 7, Nr. 4 (05.09.2016): 254–67. http://dx.doi.org/10.1108/jiabr-09-2014-0029.

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Purpose This paper aims to attempt to offer a viable alternative model of source of financing which is known as integrated cash waqf micro enterprises investment (ICWME-I) model for micro enterprises in Malaysia. Design/methodology/approach The literature on the issues of accessing to finance faced by micro enterprises and cash waqf are reviewed critically and used in the attempt of proposing an alternative model. Findings The paper has developed ICWME-I model as a source of financing for micro enterprises. This model is expected to provide financial services by using cash waqf fund and involved the participatory contract between non-profit organization and micro enterprises. In addition, with the proposed model, there will be no collateral requirement, interest rate and other stringent requirements which usually imposed by existing conventional financial institutions. Research limitations/implications The paper is based on conceptual explorations of literature in the area of micro enterprises and cash waqf. This is a conceptual paper, so it did not use any empirical analysis. Practical implications The findings of this paper will provide micro enterprises with an alternative source of financing to start-up or expand their business by using cash waqf fund. The present study also has implications for government and policy makers. With the involvement of non-profit organization that is proposed in this model, it helps the government to reduce its expenses for the development of micro enterprises. Originality/value This paper offers an additional literature on cash waqf especially from the Malaysian context. Furthermore, this paper adds to the literature on waqf and cash waqf. The paper proposes a viable alternative model for micro enterprises as a source of financing by using cash waqf fund. This model incorporates Musharakah Mutanaqisah (diminishing partnership) as a financial arrangement between non-profit organization and micro enterprises.
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Dissertationen zum Thema "Financing Micro enterprises"

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Chetri, Saamdu. „Financing Microenterprises in Bhutan: Systems, Problems & Prospects (An Empirical Study)“. Thesis, University of North Bengal, 2001. http://hdl.handle.net/123456789/215.

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Afram, Christina, und Natalia Arhawe. „Kreditbedömningen av mikroföretag : Kreditbedömningens faktorer och påföljden av den slopade revisionsplikten“. Thesis, Södertörns högskola, Institutionen för samhällsvetenskaper, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-18640.

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Introduction: 1 November 2010  came the amendment about the audit requirement into force. The amendment concerned only micro-enterprises. The most common form offinancing for micro-enterprises are bank loans, therefore the banks play a major role in the business and wellness of micro-enterprises. Purpose: Purpose of this paper is to examine if the credit assessment has been affected by the removal of the audit requirement for micro-enterprises. Method: This study will be conducted by a qualitative study in the form of interviews. Five interviews were conducted, with four respondents from the large banks and    one respondent from Almi Företagspartner. Conclusion: All respondents agreed that the audit is seen as a mark of quality, some lenders will continue to request it from the micro-enterprise while other lenders look at other factors such as ownership, relationship or business concept.
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Mahmuda, I., A. Baskaran und J. Pancholi. „Financing Social Innovation: A Case Study of Micro Financing in Bangladesh“. Tshwane University of Technology, 2010. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001631.

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Abstract Micro financing is perceived to contribute towards poverty reduction by developing small enterprises. We examined the Challenging the Frontiers of Poverty Reduction (CFPR) programme implemented by the Bangladesh Rural Advancement Committee (BRAC) between 2002 and 2007. We selected this case because it used a different approach of micro financing where assets were transferred rather than cash to participants. We examined two aspects of the programme: (i) the impact of micro financing through asset transfer instead of cash on reducing poverty; (ii) the factors that contributed to positive impact or little or no impact on the economic conditions of the participant households and the trajectories of changes experienced in these economic conditions. These were analysed using data gathered from a survey of 21 beneficiaries and also from the in-depth interviews of 8 of these households, which included both successful and not so successful cases. The study found that the asset transferring programme resulted in significant improvement in the livelihood of the majority of members. However, in some cases the beneficiaries did not see any or significant improvement in their livelihood. The study revealed that households that demonstrated proper planning, hard work, and personal interest in the business they started have witnessed improved quality of life through micro financing, while idleness of members and absence of proper planning resulted in failures. To some extent, it was found that social barriers can also contribute to failures, even if the beneficiaries work hard and are highly motivated. Based on these findings, the study makes some policy recommendations
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Ngatia, Ndiritu. „The influence of Micro-Finance Institutions (MFIs) on Micro and Small Enterprises (MSEs) in Kenya“. Thesis, Rhodes University, 2007. http://hdl.handle.net/10962/d1009436.

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In Kenya, like in many developing countries, Micro and Small Enterprises (MSEs) have become the main focus for achieving the much-needed social and economic development and alleviating poverty. However, their development has been hampered by lack of access to appropriate financial and related services. Micro financing has been seen as a viable alternative to providing financial services to entrepreneurs in the MSE sector. The focus of this study was to explore the role of MFIs in the development of MSEs and to see if there are ways in which this role can be enhanced to better support the growth of MSEs. Such enhancement would contribute greatly towards government efforts to foster social-economic development. The results of the research indicate that generally, MFIs appear to have positively influenced the growth of MSE in Kenya and have potential to further influence MSE growth. There were however a number areas that if paid attention to could enhance this influence. These include the need for MFIs to offer supportive services as opposed to merely credit facilities to MSEs and the need for government intervention by putting in place a suitable Act to regulate the operations of MFIs.
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Mhembere, Mike. „The relationship between financial literacy, entrepreneurial leadership and entrepreneurial performance of small, medium and micro-enterprises“. Diss., University of Pretoria, 2020. http://hdl.handle.net/2263/79616.

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The major aim of this study was to analyse the relationship between financial literacy, entrepreneurial leadership and entrepreneurial performance of small, medium and micro-enterprises. A simple random sampling approach was employed in conducting survey primary data collection using a self-administered structured questionnaire developed based on a 5-point Likert scale. Sample data collected from two-hundred and five respondents was first tested for construct validity and scale reliability using Keiser-Meyer-Olkin measure of sampling adequacy and Cronbach’s alpha criteria, respectively. Results indicate that the questionnaire’s items passed construct validity and scale reliability requirements. Exploratory factor analysis and confirmatory factor analysis were conducted to evaluate total variances explained, factor structures and associations between observed variables and latent factors using the Statistical Package for Social Sciences 24 software. Results show that no observed variables exhibited complex structures, and significant amounts of variances in observed variables were explained by the analogous constructs. Results obtained from the structural equation model estimated using Stata 14 software show presence of significant positive relationship between financial literacy, entrepreneurial leadership and entrepreneurial performance. Results from the estimated generalised structural equation model indicate that entrepreneurial leadership moderates the relationship between financial literacy and entrepreneurial performance of small, medium and micro-enterprises.
Mini Dissertation (MBA)--University of Pretoria, 2020.
pt2021
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted
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Peter, Wuraola. „Financial Barriers and Response Strategies to Support Women Entrepreneurs in Rural Nigeria“. Thesis, Université d'Ottawa / University of Ottawa, 2021. http://hdl.handle.net/10393/42689.

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Women entrepreneurs play increasingly important roles in job creation and sustainable economic growth in developing economies, including sub-Saharan Africa. While Nigeria has made progress in closing gender gaps in women’s employment rights, financial inclusion and access to resources remain challenges for many women who seek to start and grow businesses. Barriers to venture creation are particularly problematic for women entrepreneurs living in rural Nigeria. Yet, few studies have examined women entrepreneurs’ access to capital in the context of rural Nigeria, including the perceived value of informal lenders and government support programs. This thesis informs the literature by reporting on women entrepreneurs who own and operate retail micro-enterprises in rural, South-West Nigeria, specifically Atakunmosa West, Osun State. The study findings demonstrate the value and limitations of informal lenders, such as Ajo and Esusu, in bridging institutional voids in banking practices and technology-enabled money services. Drawing on the social feminist and resource-based theory, the study advances a conceptual model of the gendered context of financial inclusion and considers the implications for research and policy.
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Mtero, Farai. „The informal sector : micro-enterprise activities and livelihoods in Makana Municipality, South Africa“. Thesis, Rhodes University, 2008. http://hdl.handle.net/10962/d1007706.

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This study examines the nature and characteristics of the informal sector within the Makana municipal area in South Africa. The focus is on the socio-economic characteristics of the informal sector operatives; operational characteristics of the microenterprises that we studied, such as longevity, employment generation, growth potential, and linkages of the informal sector with the formal sector of the economy. Extensive studies on the informal sector have been conducted in many parts of the world relative to South Africa. The key finding in most of these researches is that the informal sector is highly heterogeneous. These studies provide us with the parameters for analysing the nature and characteristics of the informal sector in the Makana Municipality. The results of the thesis show that the majority of people in Makana Municipality join the informal sector as a result of such push factors as unemployment, retrenchment and the need to survive. While there is evidence of lucrative activities amongst the surveyed enterprises, most of the informal sector micro-enterprises are concentrated in the lower segment of the sector where earnings are very low. Results from this study reveal that employment generation (beyond owner-operator) is very limited. The co-existence of a small number of remunerative activities alongside a large proportion of relatively unproductive activities is not only a sign of restricted economic potential but, most importantly, it points to the heterogeneous nature of the informal sector. Precisely, the informal sector encompasses activities which are different in terms of asset holdings, earnings, etc. From the study, it is also evident that the informal sector micro-enterprises play a crucial role in distributing goods produced in the formal sector. Evidence indicates that these micro-enterprises are Iinked to the formal sector. The idea of a 'second economy' devoid of linkages with the 'first economy' is of limited heuristic value. Thus, the 'second economy' is an extension of the first.
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Worku, Eshetu Bekele. „Efficiency and Social Capital in Micro, Small and Medium Enterprises: the Case of Ethiopia“. Thesis, University of the Western Cape, 2008. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_2168_1263780307.

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This study extends the existing literature on how social networks enhance the performance and sustainability of small enterprises. More specifically, the study isolates and investigates the mechanisms through which social capital helps with the growth and survival of MSMEs. The evidence presented in this study strongly suggests that an indigenous social network widely practiced in Ethiopia, the &ldquo
iqqub&rdquo
, contributes significantly to the start-up, survival and development of urban MSMEs.

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Von, Blottnitz Magali. „Dysfunctional market or insufficient creditworthiness? : an exploration of financial constraint experienced by small, medium and micro enterprises in South Africa“. Doctoral thesis, University of Cape Town, 2009. http://hdl.handle.net/11427/5620.

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Includes abstract.
Includes bibliographical references (p. 212-228 ).
The existence and prevalence of financial constraints has been extensively discussed in the international economic literature, and is implicit in debates on the performance and needs of South Africa’s Small, Medium and Micro Enterprises (SMMEs). However, there is little solid research measuring financial constraints among South African SMMEs. In addition, the reasons advanced for their financial constraints are often speculative and anecdotal rather than the result of sound research. The hypothesis of credit rationing, resulting from information asymmetries, is well established in theory but an additional explanatory hypothesis, the fragile financial structure of SMMEs, is often voiced by the South African finance community. With South African data being scarce and patchy, none of these hypotheses has been validated by empirical studies. The most likely reason for these gaps in literature is not a lack of interest, but the considerable difficulty of raising reliable data from SMMEs, a joint result of confidentiality, widespread informality in the sector, and the limitations of publicly available statistics in developing countries. Surveys of banks or SMMEs raise risks of partiality and limited ability of respondents to provide quantitative data, while accounting data are characterised by limited usability and reliability. This thesis attempts to address those challenges by exploring primary and secondary sources of data, combining the respective strengths of interview and financial data.
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Chakabva, Oscar. „The effectiveness of risk management practices of small, medium and micro enterprises (SMMEs) which provide microfinance in the Cape Metropole, South Africa“. Thesis, Cape Peninsula University of Technology, 2015. http://hdl.handle.net/20.500.11838/2087.

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Thesis (MTech (Internal Auditing))--Cape Peninsula University of Technology, 2015.
Approximately 57% of the total population in South Africa lives under the poverty line. In this regard, Small, Medium and Micro Enterprises (SMMEs) which provide microfinance play a vital role to provide access for poor households to banking-related financial services. This service can only be delivered sustainably through means of deploying effective management practices, especially in terms of risk management. The purpose of this research is to identify risks faced by microfinance SMMEs and to establish the effectiveness of the current risk management practices deployed by them. This study aims at increasing the knowledge base and understanding of risk management practices by conducting a comprehensive literature review and field research. In order to establish a theoretical basis, a comprehensive literature review was performed and prior studies on various aspects relating to microfinance risk management were investigated. This was followed by a field research which studied the risk management of microfinance providers in the Cape Metropole; large financial service providers like commercials banks were excluded. Data were collected by means of a questionnaire from microfinance providers in the Cape Metropole. These microfinance providers were drawn from a list of credit providers that was obtained from the National Credit Regulator (NCR) public domain. A purposive sampling method was used to select the participants for this study. The information provided by participants is kept strictly confidential and anonymity of all respondents was guaranteed. This research noted that collaterals are absent in microfinance and instead, a close connection between microfinance SMMEs and their clients come into place. Risk management frameworks which provide an all-inclusive approach to risk management are largely absent in microfinance SMMEs. Much fewer microfinance SMMEs actively identify risks, categorise, prioritise and document them appropriately. The research further showed that the views on risk management depend on whether the respondent is an owner or a manager of the enterprise.
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Bücher zum Thema "Financing Micro enterprises"

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Sudarsan, K. Financing micro, small & medium enterprises. Ambala City: Associated Publishers, 2010.

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T, Carpio Denis, World Bank. Independent Evaluation Group. und International Finance Corporation, Hrsg. Financing micro, small, and medium enterprises: An independent evaluation of IFC's experience with financial intermediaries in frontier countries. Washington, D.C: International Finance Corporation, World Bank Group, 2008.

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Bank, World, Hrsg. Financing micro, small, and medium enterprises in frontier countries through financial intermediaries: An independent evaluation of IFC's experience. Washington, D.C: World Bank, 2008.

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Bank, World, Hrsg. Financing micro, small, and medium enterprises in frontier countries through financial intermediaries: An independent evaluation of IFC's experience. Washington, D.C: World Bank, 2008.

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Efficacy of micro-financing women's activities in Côte d'Ivoire: Evidence from rural areas and HIV/AIDS-affected women. Wageningen: Wageningen Academic Publishers, 2010.

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Bank, Islamic Development. Guidelines on formulating and implementing schemes for financing medium, small, very small, and micro enterprises in IDB least developed and low income member countries. Jeddah: The Bank, 2002.

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Zhao, Pengcheng. Zhongguo jin rong ti xi bian qian yu xiao wei qi ye rong zi guan xi yan jiu: A study on changes of China's financial system and on financing relationships among small and micro enterprises. Beijing Shi: She hui ke xue wen xian chu ban she, 2017.

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The global crisis and micro, small and medium enterprises. Cochin: Institute of Small Enterprises and Development, 2012.

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author, Norhaziah Nawai, Penerbit Universiti Utara Malaysia und Universiti Utara Malaysia. Research and Innovation Management Centre, Hrsg. The Role of Tekun Nasional in Financing Micro Enterprise Sector in Malaysia. Sintok, Kedah Darul Aman, Malaysia: Pusat Pengurusan Penyelidikan dan Inovasi, UUM, 2012.

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Berihun, Haftu, und Association of Ethiopian Microfinance Institutions., Hrsg. Financial needs of micro and small enterprise (MSE) operators in Ethiopia. Addis Ababa, Ethiopia: Association of Ethiopian Microfinance Institutions, 2009.

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Buchteile zum Thema "Financing Micro enterprises"

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Wu, Qiong. „Internet Finance and Financing Innovation of Small and Micro Enterprises“. In Advances in Intelligent Systems and Computing, 982–86. Singapore: Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-33-4572-0_141.

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Zhang, Wenbin, und Di Tong. „Bank Credit Financing Predicament for Small and Micro Enterprises—Causes and Inspirations“. In China’s Reform to Overleap the Middle-Income Trap, 105–19. Singapore: Springer Singapore, 2019. http://dx.doi.org/10.1007/978-981-13-9222-1_9.

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Maini, Navin Kumar. „The role of credit guarantee schemes in financing micro, small, and medium enterprises“. In Unlocking SME Finance in Asia, 163–86. First Edition. | New York : Routledge, 2019. | Series: Routledge studies in development economics: Routledge, 2019. http://dx.doi.org/10.4324/9780429401060-8.

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Sun, Huijie. „Study on the Integrated Financing Credit Service Model for Small and Micro Enterprises“. In Atlantis Highlights in Intelligent Systems, 500–512. Dordrecht: Atlantis Press International BV, 2023. http://dx.doi.org/10.2991/978-94-6463-200-2_52.

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Gunawan. „Driving Growth in Village Industries: Exploring Effective Financing Facilities for Micro and Small Enterprises“. In Atlantis Highlights in Engineering, 247–57. Dordrecht: Atlantis Press International BV, 2023. http://dx.doi.org/10.2991/978-94-6463-288-0_22.

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Xia, Tiantian, Hui Wang, Yashi Che, Yinan Gao und Josep Maria. „Innovation of Financing Mode for Small and Micro Enterprises on Digital Finance Technology Alorithm“. In Lecture Notes on Data Engineering and Communications Technologies, 96–104. Cham: Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-29097-8_12.

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Zhang, Linya. „Research on the Financing of Small and Micro Enterprises——Take Guangdong Province as an Example“. In Proceedings of the 2022 2nd International Conference on Economic Development and Business Culture (ICEDBC 2022), 1434–38. Dordrecht: Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-036-7_212.

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Barus, Rony Ukurta, Isfenti Sadalia und Chairul Muluk. „Analysis of MSME Financial Intelligence Level in the Utilization of Peer-to-Peer (P2P) Lending as a Financing Alternative in Batam City“. In Proceedings of the 19th International Symposium on Management (INSYMA 2022), 201–5. Dordrecht: Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-008-4_27.

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Abstract Micro, Small, and Medium Enterprises (MSME) is Indonesia’s main corporate sector, with 97% of Indonesia’s total workforce. Capital fulfillment is one of the obstacles to MSME’s development. While most Indonesian MSMEs have various weaknesses in meeting banking requirements for financing, technological developments in the financial services sector have created peer-to-peer (P2P) lending service providers. However, the existence of P2P lending is not perfect for MSME alternative lending in Indonesia, including Batam city. The study aims to analyze SMEs’ level of financial intelligence when using P2P lending as alternative lending. The location of this survey was Batam, with respondents from up to 150 SMEs in Batam. This study is related to data analysis techniques using the partial least squares (PLS) method using SmartPLS software version 3. The results show that the level of financial intelligence of MSME actors in Batam is still low to understand the benefits of P2P. Credit as an alternative. It can be used to raise funds to meet the business capital. This study concludes that MSMEs need to better understand peer-to-peer lending services as an alternative funding source for their capital sufficiency.
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Raimi, Lukman, und Ifeatu Uzodinma. „Trends in Financing Programmes for the Development of Micro, Small and Medium Enterprises (MSMEs) in Nigeria: A Qualitative Meta-synthesis“. In Contemporary Developments in Entrepreneurial Finance, 81–101. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-17612-9_4.

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Tang, Haifeng, und Zhenzhu Wu. „Research on financing efficiency of small, medium and micro enterprises in Hunan Free Trade Zone based on DEA-Tobit model“. In Atlantis Highlights in Computer Sciences, 62–72. Dordrecht: Atlantis Press International BV, 2024. http://dx.doi.org/10.2991/978-94-6463-419-8_9.

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Konferenzberichte zum Thema "Financing Micro enterprises"

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Beizitere, Ilona, Biruta Sloka, Ieva Brence und Elita Jermolajeva. „Challenges on accessing finance for micro-enterprises in Latvia“. In 22nd International Scientific Conference. “Economic Science for Rural Development 2021”. Latvia University of Life Sciences and Technologies. Faculty of Economics and Social Development, 2021. http://dx.doi.org/10.22616/esrd.2021.55.027.

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Financial support of companies for their development is considered and realised by many countries worldwide, also in Latvia. Latvia has been receiving critical remarks from entrepreneurs in regard to high level of refuse for financing from the financing institution ALTUM which is the principal intermediary of EU funds and provides resources to support entrepreneurship in Latvia. Statistical data indicate that there are significant reductions of micro-enterprises during recent years. The survey data showed that ALTUM rejected 39 % of the surveyed micro-enterprises from those who had submitted applications within three years. In turn, only 6 % of micro-enterprises have received full financing from banks or leasing companies. Funders rejected applications from 9 % of micro-enterprises while another 5 % themselves withdrew funding due to unacceptable conditions. Latvia has to address serious challenges in entrepreneurship development in regions in particular with a lower economic activity. The aim of the paper is to analyse situation of micro-enterprises for receiving funding. Research methods: analysis of scientific publications and results of previous conducted research, analysis of data obtained in survey of enterprises on questions of financing refuse and on evaluations related to financing conditions in recent years. For a more thorough data analysis (used evaluation scale 1-5) indicators of descriptive statistics are applied: indicators of central tendency or location – arithmetic means, mode, median; indicators of variability or dispersion – range, standard deviation, standard error of mean; cross – tabulations; testing of statistical hypotheses using t-test and analysis of variance – ANOVA; correlation analysis. Research results indicate that the use of more precise requirements of financing for micro-enterprises by finance institution ALTUM could benefit in better development of entrepreneurship in regions of Latvia.
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Beizitere, Ilona, und Ieva Brence. „The use of public financial support: study of micro-enterprises“. In 21st International Scientific Conference "Economic Science for Rural Development 2020". Latvia University of Life Sciences and Technologies. Faculty of Economics and Social Development, 2020. http://dx.doi.org/10.22616/esrd.2020.53.018.

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At times when businesses are expected to contribute to economic growth, the topic of access to finance remains relevant. The study investigates the availability of public financial support for micro-enterprises which similarly to the European average is the largest enterprise category in Latvia (about 94%). In an ad hoc survey of the companies registered in Latvia in nationally defined sectors, entrepreneurs disclosed their sources of funding over the three-year period of 2015-2017. Valid responses from 2511 companies, of which 1879 were micro-enterprises, revealed not only the diversity of their financial sources but also funding conditions impracticable to companies. According to the data processed by SPSS, micro-enterprises still prefer bank financing (11%) among many sources, whereas only 4% of the respondents used loans supported by public funding. Surprisingly, while almost half of the micro-enterprises required new or additional funding, a large number relied solely on internal finance. Rejections were frequent not only from banks, but also from the institution providing for public financial support.
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BEIZITERE, Ilona, Biruta SLOKA und Ieva BRENCE. „THE ROLE OF FINANCIAL SUPPORT FOR THE PERFORMANCE AND SURVIVAL OF MICRO-ENTERPRISES“. In International Scientific Conference „Contemporary Issues in Business, Management and Economics Engineering". Vilnius Gediminas Technical University, 2021. http://dx.doi.org/10.3846/cibmee.2021.636.

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Purpose – to examine the Latvian micro-enterprises having indicated the external financing as an important factor for their development. Research methodology – the results of the ad hoc survey (WAPI) on companies registered in Latvia in nationally defined sectors are used. Valid responses were received from 2.511 companies, of which 1.879 were micro-enterprises, the results were processed by using the SPSS programme. Findings – micro-enterprises that have not received the necessary external financing in previous years were less sustainable in the later period. Of the liquidated micro-enterprises examined, 16% were closed in 2020. Research limitations – the study highlights the impact of the availability of finance factor on the survival of micro-enterprises. Practical implications – the findings are useful for business support policy makers to identify preventative measures to ensure the resilience of micro-enterprises in times of economic turmoil when the spread of the Covid-19 has affected economy. Originality/Value – although scientific research on the need for financial support for companies has already been conducted in recent years, our study emphasizes the importance of access to finance for micro-enterprises.
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Liu, Lijuan. „Research of Internet Financing Strategy of Small and Micro Enterprises“. In 2016 5th International Conference on Social Science, Education and Humanities Research. Paris, France: Atlantis Press, 2016. http://dx.doi.org/10.2991/ssehr-16.2016.290.

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Sun, JingJing. „Analysis on Financing Strategy of Small and Micro Enterprises in Qingdao“. In 2016 5th International Conference on Social Science, Education and Humanities Research. Paris, France: Atlantis Press, 2016. http://dx.doi.org/10.2991/ssehr-16.2016.271.

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Beizitere, Ilona, Biruta Sloka, Julija Bistrova, Ieva Brence und Elita Jermolajeva. „Financial needs of micro-enterprises in the period before and during the Covid-19 crisis“. In 23rd International Scientific Conference. “Economic Science for Rural Development 2022”. Latvia University of Life Sciences and Technologies. Faculty of Economics and Social Development, 2022. http://dx.doi.org/10.22616/esrd.2022.56.038.

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The economic crisis caused by the coronavirus COVID-19 led to changes in companies' demand for funding. Therefore, financial institutions were forced to develop new types and directions of financing offer. The aim of our study is to find the financial needs of the micro-enterprises and the possible solutions to meet these needs. Micro-enterprises are more than 90% of all the SMEs in Latvia; therefore, analysis on their performance is essential. The survey in empirical research was focused to find out to what extent companies had access to finance, whether they needed new or additional funding and for what purposes financial support was needed. Research methods: analysis of scientific publications and pre-crisis research results, survey of entrepreneurs. Based on survey data, the authors have used main indicators of descriptive statistics and cross-tabulations, have conducted correlation analysis. In addition, the entrepreneurs were asked to disclose the funding used for their development and entrepreneurship. During the COVID-19 crisis, companies were seeking to fund their working capital to compensate for business disruptions caused by the loss of revenue, while in the long-term they seek capital to develop new products and services, to digitize and optimize the processes, to raise employee competence. The survey results have also revealed that micro-enterprises suffered to greater extent than larger ones, though they used much less of the offered state support, attempting to rely mainly on their internal resources. Moreover, even before the current economic crisis, it was found that micro-enterprises had more limited access to external finance than other types of SMEs. Based on the survey results, main conclusion points to the need to improve availability and diversity of public financial support for micro-enterprises, which is vital during crisis period, and as well as to adopt solutions to promote the further development of micro-enterprises.
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Nugroho, Rusdi, Sonja Andarini, Franky Nasution und Nurul Izzah. „Internal Factors Affecting Islamic Banking Financing for Micro, Small, and Medium Enterprises“. In Proceedings of the 4th International Conference on Indonesian Social and Political Enquiries, ICISPE 2019, 21-22 October 2019, Semarang, Central Java, Indonesia. EAI, 2020. http://dx.doi.org/10.4108/eai.21-10-2019.2294428.

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Lemanska-Majdik, Anna. „ASSESSMENT OF THE AVAILABILITY OF BANK FINANCING FOR MICRO-ENTERPRISES IN POLAND“. In 4th International Multidisciplinary Scientific Conference on Social Sciences and Arts SGEM2017. Stef92 Technology, 2017. http://dx.doi.org/10.5593/sgemsocial2017/15/s05.016.

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Dewanti, Sati Ratna, Dinar Rika Septyaningtyas, Dandy Yuliansyah und Nindi Vaulia Puspita. „Financing Analysis of Loan-Based Crowd Funding on Medium Small Micro Enterprises“. In 2nd Annual Conference on Social Science and Humanities (ANCOSH 2020). Paris, France: Atlantis Press, 2021. http://dx.doi.org/10.2991/assehr.k.210413.059.

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Guo, Xiaoyan, Jing Wang und Fang Wang. „Research On Credit Guarantee Problems In Small And Micro Enterprises� Credit Financing“. In 2014 2nd International Conference on Education Technology and Information System (ICETIS 2014). Paris, France: Atlantis Press, 2014. http://dx.doi.org/10.2991/icetis-14.2014.23.

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Berichte der Organisationen zum Thema "Financing Micro enterprises"

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Andrade, Gabriela, Karina Azar, Tabia Kazembe, Cristina López Mayher und Vanina Vincensini. Financing Programs for Women's Financial Inclusion and Access to Finance for Women MSMEs: Results from a Survey of Public Development Banks. Inter-American Development Bank, September 2023. http://dx.doi.org/10.18235/0005104.

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This report presents the highlights from a survey directed to public development banks (PDBs) as part of the 2023 agenda of the Finance in Common Summit (FiCS) Coalition on Gender Equality and Womens Empowerment in Development Banks, co-chaired by the Inter-American Development Bank (IDB) and UN Women. The survey, which was completed by 54 PDBs, aimed to examine how PDBs are serving women and their businesses by mapping existing programs and identifying current practices, innovations, challenges, and opportunities in this agenda. Key findings suggest PDBs are offering a diversity of programs, product types, and innovative approaches, with varied institutional capabilities that range from the development stage to well-established systems that support productive financing, business development, green financing, and financial education and literacy in women micro-, small-, and medium-sized enterprises. While challenges persist, particularly the lack of sex-disaggregated data and an inadequate understanding of womens financial needs and preferences, there are opportunities to expand these programs, such as by leveraging their positive societal impact and the growing market potential.
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Putriastuti, Massita Ayu Cindy, Vivi Fitriyanti und Muhammad Razin Abdullah. Leveraging the Potential of Crowdfunding for Financing Renewable Energy. Purnomo Yusgiantoro Center, Juni 2021. http://dx.doi.org/10.33116/br.002.

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• Renewable energy (RE) projects in Indonesia usually have IRR between 10% and 15% and PP around 6 to 30 years • Attractive return usually could be found in large scale RE projects, although there are numerous other factors involved including technology developments, capacity scale, power purchasing price agreements, project locations, as well as interest rates and applied incentives. • Crowdfunding (CF) has big potential to contribute to the financing of RE projects especially financing small scale RE projects. • P2P lending usually targeted short-term loans with high interest rates. Therefore, it cannot be employed as an alternative financing for RE projects in Indonesia. • Three types of CF that can be employed as an alternative for RE project funding in Indonesia. Namely, securities, reward, and donation-based CF. In addition, hybrid models such as securities-reward and reward-donation could also be explored according to the project profitability. • Several benefits offer by securities crowdfunding (SCF) compared to conventional banking and P2P lending, as follows: (1) issuer do not need to pledge assets as collateral; (2) do not require to pay instalment each month; (3) issuer share risks with investors with no obligation to cover the investor’s loss; (4) applicable for micro, small, medium, enterprises (MSMEs) with no complex requirements; and (5) there is possibility to attract investors with bring specific value. • Several challenges that need to be tackled such as the uncertainty of RE regulations; (1) issuer’s inability in managing the system and business; (2) the absence of third parties in bridging between CF platform and potential issuer from RE project owner; (3) the lack of financial literacy of the potential funders; and (4) lastly the inadequacy of study regarding potential funders in escalating the RE utilisation in Indonesia.
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Elhan-Kayalar, Yesim. Gender, Entrepreneurship and Coping with the COVID-19 Pandemic: The Case of GoFood Merchants in Indonesia. Asian Development Bank Institute, Dezember 2022. http://dx.doi.org/10.56506/mrem3121.

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This paper examines business performance and crisis mitigation strategies among micro-, small-, and medium-sized enterprises (MSMEs) in Indonesia during the COVID-19 pandemic. We utilize a new primary data set based on administrative records, survey data, and follow-up interviews with merchants using the digital application GoFood, an on-demand cooked food delivery service. Three empirical findings emerge: First, the overall employment size of women-owned businesses shrank more than men-owned businesses after the pandemic outbreak; second, women were more likely than men to cut personal expenditures and use government assistance as crisis mitigation strategies; and third, competition increased sharply as new merchants entered the platform, with service areas of both incumbents and entrants shrinking over time. These results have implications for policies on women’s entrepreneurship, the uptake of business development services, and financing programs for MSMEs.
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Westley, Glenn D. Can Financial Market Policies Reduce Income Inequality? Inter-American Development Bank, Oktober 2001. http://dx.doi.org/10.18235/0008882.

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This paper seeks to answer two questions: How can we further develop a country¿s microfinance industry and what impact might this have on the country¿s income distribution?. Also it presents substantial arguments and data to support the contention that improving the access of micro and small enterprises to financial services could have an important salutary impact on a country's income distribution. To demonstrate this, the paper shows first that many poor own or are employed by smaller enterprises, second that smaller enterprises are indeed poorly served with formal and semi-formal credit, and third that providing financial services to smaller enterprises increases their income and employment and reduces income inequality to an important degree. Using household survey data from 15 Latin American countries, the paper finds that while the microenterprise sector accounts for 56 percent of all earners in the region, it includes 70 percent of the region's poor earners (with 35 percent of the poor earners being single-person-firm owners and the other 35 percent microenterprise employees).
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Chisopo, Andrew. An Assessment of Digital Financial Inclusion Of Micro Small and Medium Enterprises in Zambia. SIVIO Institute, April 2024. http://dx.doi.org/10.59186/si.ly4paw5f.

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Gachiri, Jackline, und Belinda Chaora. An Assessment of Digital Financial Inclusion of Micro, Small and Medium Enterprises in Kenya. SIVIO Institute, Mai 2024. http://dx.doi.org/10.59186/si.qmjq5hj3.

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Mushani, Nissily. An Assessment of Digital Financial Inclusion of Micro Small and Medium Enterprises MSMEs in Malawi. SIVIO Institute, April 2024. http://dx.doi.org/10.59186/si.gc5jrqwn.

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Chaora, Belinda. Financial Inclusion Index Report: An assessment of digital and traditional financial inclusion of micro, small and medium enterprises in Kenya, Malawi and Zambia. SIVIO Institute, Mai 2024. http://dx.doi.org/10.59186/si.2m87nkz3.

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Shinozaki, Shigehiro, Daisuke Miyakawa und Romeo Arahan. Factors Affecting Micro, Small, and Medium-Sized Enterprise Development in Developing Asia: Findings from a Probabilistic Principal Component Analysis. Asian Development Bank, Februar 2024. http://dx.doi.org/10.22617/wps240032-2.

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To identify factors affecting micro, small, and medium-sized enterprise (MSME) development, this paper proposes a probabilistic principal component analysis method that works despite current data limitations. The estimation results suggest that sound MSME credit markets, diversified financing options, support for new businesses and job creation, and active MSME participation in global marketplaces play a critical role in ensuring a smooth business recovery from various crises and shocks affecting developing Asia and the Pacific.
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Salgado, Edgar, Eduardo Morón und Cristhian Seminario. Regional Financial Development and Firm Growth in Peru. Inter-American Development Bank, Juni 2013. http://dx.doi.org/10.18235/0011495.

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This paper documents the relationship between regional financial development and firm growth in the Peruvian manufacturing sector. In order to control for mutual causality between credit availability and firm growth, industry differences in financial dependence on external funds are exploited. The 1994 and 2008 rounds of the National Economic Census are used, permitting analysis at the firm level as well as the activity level. Results suggest a significant and positive effect of financial deepening on surviving firms` growth. However, this effect is smaller for micro enterprises, suggesting that the cost of external funding decreases with financial development mainly for large firms. The conclusions remain unchanged when entering and exiting firms are included. The paper further finds that credit expansion have encouraged not only firm growth but also firm entry. The results are robust using an alternative measure of financial dependence.
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