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1
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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Cheng, Chen. „Financing Path Analysis of Small and Micro Enterprises Based on Internet Finance“. Finance and Market 5, Nr. 4 (22.12.2020): 308. http://dx.doi.org/10.18686/fm.v5i4.2873.
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<p>Small and micro enterprises are an important part of China’s economy and an important driving force to create tax revenue. However, the financial services they obtain do not match their economic status seriously, and they often fall into the plight of insufficient capital turnover. In this context, according to the traditional financing mode of small and micro enterprises, this paper analyzes the financing mode of Internet finance, and selects the financing path represented by P2P financing, crowdfunding financing and e-commerce small loan platform, and analyzes the corresponding countermeasures and suggestions. Finally, based on the perspective of Internet finance, the financing path of small and micro enterprises is optimized and proposed.</p>
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Wang, Zhiqi, Zhuo Zhang, Jinyu Qian, Xunjia Zhang und Deyu Li. „Research on the Effect of Digital Inclusive Financial Technology on Reducing Costs for Small and Micro Enterprises“. Frontiers in Humanities and Social Sciences 3, Nr. 5 (23.05.2023): 133–39. http://dx.doi.org/10.54691/fhss.v3i5.5049.
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This article focuses on small and micro enterprises in the Yangtze River Delta region and analyzes the cost reduction effect of digital inclusive finance technology on small and micro enterprises. The research results show that the application of digital inclusive finance technology can significantly reduce the financing costs of small and micro enterprises. Based on the research results, this article proposes suggestions to improve the application level of digital inclusive financial technology, including strengthening the construction of digital infrastructure, implementing the "No.1 Project" of the digital economy, and promoting the digital intelligent transformation of small and micro enterprises. The research results of this article provide important theoretical and practical guidance for improving the efficiency of small and micro enterprises in obtaining financing and reducing financing costs, and provide valuable reference for the promotion and application of digital inclusive finance technology.
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ALEKSIN, G. „The Financial Strategy Instrument in the Context of Enterprise Modernization“. Scientific Bulletin of the National Academy of Statistics, Accounting and Audit, Nr. 3 (01.11.2019): 20–29. http://dx.doi.org/10.31767/nasoa.3.2019.02.
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Problem of improving the strategic management quality at enterprise level (in particular its financial strategy formation and implementation) drastically increases under the recession conditions. It is highly important to take into account endogenous and exogenous factors influencing financial strategy formation, namely the issues raised due to need for modernization endemic to Ukraine’s real sector enterprises.
The aim of the study is to determine financial strategy’s role in the context of the real sector’s modernization.
The paper considers the problem of financial strategy development and implementation in the context of enterprise modernization in Ukraine. The author analyzes the problem of maintaining an enterprise’s strategic direction towards modernization though effective use of the financial strategy. The author studies the problem of financial management decisions’ nature in the context of enterprises’ innovative renewal. Based on the analysis of Ukrainian brewing industry enterprises, the paper provides practical recommendations considering financial strategy formation in the context of capital investment program implementation.
Based on the evidence collected, the author arrived at a conclusion that different enterprises take different financial strategic decisions based on peculiarities of their external and internal environment. The author argued for the existence of a pattern concerning Ukraine’s real sector modernization issues, i. e. lack of a long-term focus, acute agency costs, weak interconnectedness of financing and operational policy. The author arrived at a conclusion that solutions to those issues are on both macro- and micro-level: firstly, state’s efforts to improve institutional environment, secondly, enterprises’ steps towards improving financing policy’s efficiency, thirdly, alignment of an enterprise’s financing policy and peculiarities of its exogenous and endogenous environment, which is highly important in the context of limited resources and uncertainty.
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Candraningrat, Ica Rika, Vera Intanie Dewi, Nyoman Abundanti, Ni Wayan Mujiati und Badaruz Zaman. „The Micro, Small and Medium Enterprises Financing Based on Financial Technology“. Jurnal Ilmiah Akuntansi 7, Nr. 2 (14.01.2023): 329–45. http://dx.doi.org/10.23887/jia.v7i2.52715.
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Financial technology innovations that are currently developing have provided convenience for the user community in the fields of financial systems, asset management to micro and small business (MSME) financing. The long objective of this research is to optimize the Peer-To-Peer Lending financing model based on the analysis of the preferences of potential lenders in determining MSME financing decisions. This type of research is descriptive quantitative research. Sampling used purposive sampling of MSME actors throughout Bali. The data analysis technique used is logistic regression analysis. The results showed that the estimation model can determine the decision to provide financing to Peer-to-Peer Lending. The variable amount of credit and the term of financing proved to be able to predict financing decisions significantly. While the financing objective variable is not proven to be able to predict financing decisions significantly in Peer-to-Peer Lending financial institutions.
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Nasrudin, Edy, und Rian Andriono. „Meningkatkan Ketahanan Usaha Ultra Mikro Terhadap Guncangan Akibat Pandemi di Papua Barat“. Lensa Ekonomi 16, Nr. 02 (31.12.2022): 214. http://dx.doi.org/10.30862/lensa.v16i02.248.
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Mobility restrictions to prevent the risk of the Covid-19 pandemic have negatively affected the volume of economic activity. Reflecting on the history of previous economic crises, ultra-micro enterprises have become actors that are able to face changes. However, the long pandemic period makes ultra-micro enterprises unable to run solo and need support. Government support in order to keep ultra-micro enterprises surviving and growing is carried out through a recovery program. This study aims to determine the impact of government policies in maintaining the resilience of ultra-micro enterprises and also measure the effectiveness of ultra-micro financing during the pandemic. The study used survey data gathered from debtors through interviews and analyzed using qualitative descriptive methods. The result showed that the recovery program is able to increase ultra-micro enterprise's resilience, positively impact business development, and also reducing unemployement. However, ultra-micro financing needs to be supported by specific strategies to expanding the reachness and accessibility.
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Dewi, Ernanda Kusuma, und Widiyanto Widiyanto. „PERAN PEMBIAYAAN MUDHARABAH DALAM PENGEMBANGAN KINERJA USAHA MIKRO (Studi Kasus pada BMT Sumber Mulia, BMT Assaadah dan BMT Hubbul Wathon di Kabupaten Semarang)“. Jurnal Ekonomi dan Bisnis 19, Nr. 1 (11.01.2018): 16. http://dx.doi.org/10.30659/ekobis.19.1.16-34.
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The purpose of this study is to describe and analyze factors that supports the successful ofmudharabah financing of micro-enterprises performance. The sample in this study amountedto 52 members BMT Sumber Mulia, BMT Assaadah and BMT Hubbul Wathon mudharabahfinancing recipients and 10 BMT employees. This research is explanatory research. Thisresearch uses multiple linear regression analysis. The result of the analysis concludes thatmudharabah financing conducted by BMT Sumber Mulia, BMT Assaadah and BMT HubbulWathon have expanded its business based on sharia principles, mudharabah financing providedfor BMT members has good impact for its business, mudharabah financing has significant effecton the micro-enterprises performance, business experience has significant effect on the microenterprisesperformance, the age of the micro entrepreneurs has no significant effect on themicro-enterprises performance, the coaching does not strengthen the effect of mudharabahfinancing on the micro-enterprises performance, and the education of micro entrepreneurs doesnot strengthen the effect of business experience on the micro-enterprises performance.Keywords: Mudharabah Financing, Micro-Enterprises Performance, (BMT) Baitul Maal WatTamwil
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Tan, Fang. „中国中小微企业融资现状研究“. Asia Social Science Academy 2, Nr. 3 (30.06.2022): 14–22. http://dx.doi.org/10.51600/isr.2022.2.3.14.
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Small, medium and micro enterprises play a very important role in China's national economy. They are the main growth point of China's national economy at the present stage and are closely related to the country's economic development. This study has studied the current situation of financing of micro, small and medium-sized enterprises in China in the new century. Through the analysis of the difficulties encountered by Chinese small and medium-sized enterprises in financing, this paper puts forward the corresponding strategies and corresponding methods to solve the difficulties in financing, help the development of small and medium-sized enterprises and provide theoretical basis for promoting economic development.
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Ṭḯrlea, Mariana Rodica, und Agatador Mihaela Popescu. „Current Aspects Regarding the Crediting of Micro-Enterprises“. International conference KNOWLEDGE-BASED ORGANIZATION 26, Nr. 2 (01.06.2020): 121–27. http://dx.doi.org/10.2478/kbo-2020-0063.
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AbstractThe IMM INVEST type of reimbursable financing is a top-up loan formula, materialized in the granting of bank loans granted to micro-enterprises under the national legislation applicable to investments and working capital. In order to benefit from this financing, the wishing companies must go through two stages: a pre-contractual stage in which the registration on the electronic platform created for this purpose takes place, in which the companies must prove that they fall into the category of micro-enterprises and the contractual stage. In order to meet the eligibility conditions in the contractual phase, micro-enterprises will be subject to the verification of administrative compliance and the techniques and methods for verifying financial soundness. Beneficiaries of such loans will benefit under the state aid scheme from various forms of government support materialized in supporting the costs of financing 100% from the state budget, until the end of 2020 with the possibility of extension, which will help them to re-launch itself from a financial and economic perspective.
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Cai, Jieping, und Aijia Wang. „A Study on Improving the Financing Environment of Small and Micro Enterprises – Based on Taizhou Model“. Proceedings of Business and Economic Studies 5, Nr. 1 (23.02.2022): 20–26. http://dx.doi.org/10.26689/pbes.v5i1.3670.
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China’s small and micro enterprises have always had the typical characteristics of “five, six, seven, eight, nine,” which are important supports to expand employment and improve people’s livelihood. However, the current proportion of these enterprises in obtaining bank loans does not commensurate with the proportion of small, medium, and micro enterprises in the total economic aggregate. The financing dilemma of small and micro enterprises still exists. In consideration of the financing status of small and micro enterprises, this study analyzes the constraints of small and micro enterprises in financing, such as the difficulty in mortgage, difficulty in obtaining loans, and difficulty in guaranteeing. This study sorts out Taizhou’s practical experience and links its operation mechanism of “two platforms, one fund, and one index.” Finally, by learning from its successful experience, how to utilize the environment and the trend of big data will be further discussed, so as to form a scalable and sustainable financing method and path. This will provide a reference for improving the financing environment of small and micro enterprises.
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Mutoharoh, Mutoharoh, und Kiryanto Kiryanto. „Access to Sharia Financing for Micro Enterprises: Case Study of Micro Enterprises in Semarang, Indonesia“. E-Jurnal Akuntansi 31, Nr. 5 (25.05.2021): 1247. http://dx.doi.org/10.24843/eja.2021.v31.i05.p13.
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Islamic banking by its principle is expected to play a dominant role compared to other funding providers to finance micro enterprises, which are the real industrial sector. This study aims to explain the perceptions of micro business actors based on their experience in accessing Islamic financing. This is a descriptive quantitative research that relies on the sample selected using purposive random sampling to obtain respondents who meet the criteria that support the research objectives. Primary data were collected through a structured questionnaire to owners and managers of micro-businesses in the Semarang and surrounding areas. A total of 184 data were obtained and processed with the help of statistical tools that is SPSS 22.0. Therefore, it is concluded that access to Islamic financing in terms of product, requirements, and services variables was quite good based on micro business actors’ view.
Keywords: Access of Financing; Micro Enterprises; Islamic Bank.
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Siswanti, Indra, und Lenny Christina Nawangsari. „Various Sources Working Capital Financing For The Sustainability Micro, Small And Medium Enterprises (MSMEs) Business In Rancabungur-Bogor“. Jurnal Abdimas Perbanas 4, Nr. 1 (11.04.2023): 28–32. http://dx.doi.org/10.56174/jap.v4i1.522.
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Micro, Small and Medium Enterprises (MSMEs) are the object of community service activities, which are located in the Rancabungur area, West Java. Small, Micro and Medium Enterprises (MSMEs) businesses need to understand various alternative sources of working capital financing, so that it is hoped that micro, small and medium enterprises (MSMEs) can find solutions to financing working capital within the framework of development and maintenance of the business in order to continue to be sustainable. The purpose of this community service activity is to provide training for micro, small and medium enterprises (MSMEs) to get various alternative sources of financing both from commercial banks/Islamic banks or from non-bank financial institutions. For this reason, activities team community service Universitas Mercu Buana Jakarta with the topic: “MSMEs Management Development of Achieve Business Sustainability Viewed from Various Management Perspectives (Marketing, Finance, Human Resources, and Operation)”
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Wang, Xichen. „The Impact of Big Data Technology in the Financing Field and Countermeasures Analysis“. International Journal of Business and Management 4, Nr. 1 (22.09.2023): 5. http://dx.doi.org/10.56028/ijbm.1.4.5.2023.
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Against the background of promoting the sustained recovery of the national economy, the State has gradually increased its support for small and micro enterprises. In addition to policy support, enterprises as the main body should actively seek changes to resolve financing difficulties, combined with the current digital economy and the development of big data technology, enterprises should also from the external and internal perspectives of their own data construction and access to financing channels to make thinking. This paper analyzes the impact of big data technology on enterprise financing to draw out the opinions and suggestions on enterprise data management and system construction, reveals the mechanism of the impact of big data on enterprise financing, and expands the research on the application of big data.
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Tambunan, Evi Christine, Kamaludin Enuh, Ubaidullah Ubaidullah und Mariati Tamba. „Capital Access For Micro Small Medium Enterprises“. Jurnal Ekonomi dan Perbankan Syariah 10, Nr. 2 (31.10.2022): 148–58. http://dx.doi.org/10.46899/jeps.v10i2.375.
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Along with the development, various factors are needed including in terms of capital which must be continuously fulfilled to continue distribution activities from producers to consumers. Ease of access to capital for MSMEs includes the ease of requirements in applying for formal financing so that business people do not choose personal or non-formal loans which can be said to have less stable capital availability. These easy requirements, even accompanied by light financing services, greatly encourage business people to develop their businesses so that they continue to receive circular financing. The research uses literature research. The data collection method used is the documentation method. The data analysis emphasis on disclosing the content (essence) aspects of several existing propositions. Furthermore, this method is the nature of the review of various theories and analyses. The results of his research SME usually use business capital from personal pockets or joint capital with partners at the beginning of establishing a business. MSMEs are important because compared to large companies, external sources of MSME financing are limited in terms of supply and demand. Business capital can also be interpreted from various aspects, namely capital for the first time to open a business, capital to expand the business, and capital to run daily businesses obtained from the investment model and working capital. MSME constraints on bank credit can be viewed from the demand and supply side. Efforts are being taken to increase the use of credit facilities from banking institutions by micro, small and medium enterprises by increasing access to banking to obtain credit facilities for MSMEs, strengthening MSMEs in financial, managerial, partnership, and entrepreneurial capabilities.
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Huang, Wanting. „Analysis of IPC-based Small and Micro Enterprises' Financing Supply ——A Case Study of City Commercial Bank in Taizhou City, Zhejiang Province“. Finance and Market 5, Nr. 2 (28.05.2020): 9. http://dx.doi.org/10.18686/fm.v5i2.1615.
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<p>The financing supply of small and micro enterprises plays a decisive role in solving the "financing difficulty" problem of small and micro enterprises. This paper takes Taizhou, which has developed small and micro finance, as an example to analyze the localization and innovation of IPC mode, refine the successful mode of small and micro loans of city commercial banks, and put forward optimization suggestions on the financing supply end of small and micro enterprises.</p>
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Obuya, David O. „Debt Financing Option and Financial Performance of Micro and Small Enterprises: A Critical Literature Review“. International Journal of Business and Management 12, Nr. 3 (21.02.2017): 221. http://dx.doi.org/10.5539/ijbm.v12n3p221.
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This is a critical literature review on debt financing option and financial performance of Micro and small enterprises. Debt financing option for this review is evaluated in terms of trade credit, short-term loan and long-term loan. Whereas financial performance is evaluated using return on assets, current ratio and gross profit margin. The literatures reviewed include theoretical and empirical. The method used is the review of different articles, papers, and relevant previous studies where quantitative, descriptive, associative and predictive analyses were applied. As per the various literatures reviewed, conflicting findings were realized. A further study on whether effects of debt financing option on financial performance of Micro and Small Enterprises, depend on the power balance between business proprietors and financiers of enterprises, is recommended.
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Zeng, Ziyu. „Study on the Influence of Digital Finance Development on the Financing Environment of Small and Medium-sized Enterprises“. Journal of Innovation and Development 5, Nr. 3 (20.12.2023): 88–91. http://dx.doi.org/10.54097/092uhy56.
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In recent years, China has carried out a lot of exploration and practice in solving the problems of financing difficulties and financing nobility of small, medium and micro enterprises, and has achieved fruitful results, but the financing of small, medium and micro enterprises is still facing a lot of difficult problems, such as lack of funds, narrow financing channels, high financing costs, high financing risks, low credit rating, lack of collateral and unstable financial policies, etc., and the development of digital finance has brought certain opportunities, this paper puts forward coping strategies by systematically analyzing the main problems faced by SME financing in the context of digital finance, combined with the impact on the financing environment of SMEs.
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Riyadi, Aditya Hadid, Jaenal Effendi und Tita Nursyamsiyah. „PENGARUH LEMBAGA KEUANGAN MIKRO SYARIAH (LKMS) BERKUALITAS TERHADAP PENINGKATAN KEUNTUNGAN USAHA MIKRO KOTA DEPOK“. Jurnal Ekonomi Syariah Teori dan Terapan 6, Nr. 5 (17.01.2020): 1086. http://dx.doi.org/10.20473/vol6iss20195pp1086-1100.
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Micro-enterprises generally have the potential to improve people's living standards and have contributed to economic growth in Indonesia. In its development process, capital is the biggest problem faced by micro enterprises due to the number of microbusinesses that are still unbankable. The existence of alternative financial institutions other than banks that can overcome these problems is needed. Islamic microfinance institution (LKMS) or commonly known as BMT is the best solution to solve the capital problem of micro enterprises. Easy access to financing for microenterprises and mutually beneficial profit sharing system, LKMS has become a solution for the development of member’s business. This study aims to analyze the effect of islamic micro financial institution (LKMS) on the increase of profit of microenterprises in Depok City using Ordinary Least Square (OLS) method. The result of research shows that there is a significant influence of the increase of profit of microenterprises after financing in LKMS.Keywords: Financing, LKMS, Microenterprises, OLS
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Turmudi, Muhamad. „Pembiayaan Mikro BRI Syariah: Upaya Pemberdayaan dan Peningkatan UMKM oleh BRI Syariah Cabang Kendari“. Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam 2, Nr. 2 (29.12.2017): 20. http://dx.doi.org/10.31332/lifalah.v2i2.652.
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Understanding of micro, small and medium enterprises is based on indicators (1) the amount ofwealth such as cash, supplies, land, machinery for production (2) the amount of investment that isconsidered as working capital (3) total sales in a year (4) total number of employees.Micro Business Financing BRI Syariah is a business financing product intended for middle classpeople who have micro, small and medium enterprises to meet the needs/capital increase. in an effortto increase Micro, Small and Medium Enterprises in Kendari City, BRI Syariah has three financingproducts for Micro, Small and Medium Enterprises; (1) Micro 25iB; is a product without collateralfinancing, the ceiling of Rp. 5juta to Rp. 25juta (2) Micro 75iB; is a financing product with collateral,the ceiling of Rp. 10juta to Rp. 75M (3) Micro 500iB; is a financing product with collateral, theceiling of Rp. > 75juta to Rp. 500million.
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Kong, Wenping. „Research on the Influence of Local Government Debt on Enterprise Debt Financing“. Frontiers in Business, Economics and Management 7, Nr. 2 (05.02.2023): 65–70. http://dx.doi.org/10.54097/fbem.v7i2.4792.
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In recent years, China's local government debt and corporate debt issues have attracted the attention of academia and the government. At present, the financing difficulties of SMEs have become a problem in the industry. Although the existing literature has studied the impact of local government debt on the debt financing of micro enterprises, the academic circles still hold disputes on the "crowding out effect" and "crowding in effect" of local government debt on micro enterprise behavior. This paper selects the panel data of provincial local government debt and A-share listed companies from 2012 to 2020 to explore the impact of local government debt on corporate debt financing from the scale and structure of corporate debt financing. According to the empirical results, the expansion of local government debt will lead to a decline in the debt financing level of local enterprises. From the perspective of different debt sources, the impact of local government debt expansion is significantly different. Local government debt expansion has a strong and significant crowding out effect on corporate financial liabilities, while this effect on corporate operating liabilities is weak. Accordingly, this paper puts forward corresponding suggestions: local governments should reasonably control their own debt scale, implement differentiated deleveraging policies according to local conditions, strengthen the cooperation between financing platforms and private capital, vigorously develop the direct financing market, and create good conditions for enterprise financing.
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Sanjiwani, Kadek Ary Putri, und Made Nurmawati. „PENGATURAN PEMBIAYAAN USAHA MIKRO DAN KECIL OLEH PEMERINTAH SEBAGAI UPAYA STRATEGIS DALAM MENDUKUNG PEREKONOMIAN NASIONAL“. Kertha Semaya : Journal Ilmu Hukum 8, Nr. 9 (03.09.2020): 1396. http://dx.doi.org/10.24843/ks.2020.v08.i09.p10.
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Studi ini bertujuan mengkaji kewenangan Pemerintah untuk menyediakan pembiayaan bagi Usaha Mikro dan Kecil serta terpenuhinya persyaratan dalam rangka memperoleh pembiayaan. Metode yang digunakan dalam studi adalah metode penelitian hukum normatif dengan menggunakan pendekatan perundang – undangan. Hasil studi menunjukkan bahwa ketentuan Pasal 21 Ayat (1) Undang – Undang Nomor 20 Tahun 2008 tentang Usaha Mikro, Kecil, dan Menengah yang mengatur tentang pembiayaan Usaha Mikro dan Kecil tampak kabur sehingga menimbulkan multitafsir dalam hal kewenangan Pemerintah untuk menyediakan pembiayaan. Kemudian dalam ketentuan Pasal 23 huruf c tidak adanya ketentuan yang mengatur secara eksplisit syarat – syarat yang harus dipenuhi Usaha Mikro dan Kecil guna memperoleh pembiayaan. Agar Usaha Mikro dan Kecil dapat memperoleh pembiayaan dengan ketentuan aturan yang jelas memerlukan suatu kepastian hukum sehingga tercapainya kemanfaatan, dan keadilan hukum dalam usaha menjaga stabilitas Usaha Mikro dan Kecil sebagai pendukung strategis pembangunan perekonomian nasional.
This study aims to examine the Government's authority to provide financing for Micro and Small Enterprises and to fulfill the requirements in order to obtain financing. The method used in the study is a normative legal research method using the statutory approach. The study results show that the provisions of Article 21 Paragraph (1) of Law Number 20 Year 2008 concerning Micro, Small and Medium Enterprises that regulate Micro and Small Enterprise financing appear to be blurred, giving rise to multiple interpretations in terms of the Government's authority to provide financing. In the provisions of Article 23 letter c there is no provision that explicitly regulates the conditions that must be met by Micro and Small Enterprises in order to obtain financing. So that Micro and Small Enterprises can obtain funding with clear rules requiring legal certainty, the benefits and legal justice in efforts to maintain the stability of Micro and Small Enterprises as strategic supporters of national economic development can be achieved.
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Muhammad Rafi’i Sanjani. „EMPLOYMENT OF MICRO SMALL-BUSINESS ENTERPRISES (SMEs) THROUGH THE FINANCING OF SHARIA FINANCIAL INSTITUTIONS“. Nusantara Journal of Economics 1, Nr. 02 (26.12.2019): 27–36. http://dx.doi.org/10.37673/nje.v1i02.459.
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Micro, small and medium enterprises (UMKM) in absorbing labor is large enough. But the role of MSMEs in reality is constrained by several things, including capital problems. This is where the role of Shariah Financial Institutions with principal-sharing financing is desirable. Observing such phenomena needs to be examined on several issues; first, the implementation of financing at Syari'ah Financial Institutions in Sumbawa which is considered ideal for micro, small and medium enterprises (UMKM). Secondly, some of the obstacles to the implementation of financing at Syari'ah Financial Institutions in Sumbawa pertain to the principle of profit sharing, and thirdly, the solution to overcome the impediments of financing implementation at Syari'ah Financial Institutions in Sumbawa w This research is a descriptive qualitative research. Data collection techniques that is by combining three methods or the so-called triangulation, among others, interviews, observation and documentation. Data processing will be analyzed and processed descriptively qualitative.ith respect. This research is a descriptive qualitative research. Data collection techniques that is by combining three methods or the so-called triangulation, among others, interviews, observation and documentation. Data processing will be analyzed and processed descriptively qualitative. Research Results Micro, small and medium enterprises (UMKM) are able to absorb a large enough labor. But the role is in fact constrained by several things, including capital problems. This is where the role of Shariah Financial Institutions with principal-sharing financing is desirable. Observing such phenomena needs to be examined on several issues; first, the implementation of financing at Syari'ah Financial Institutions in Sumbawa which is considered ideal for micro, small and medium enterprises (MSMEs). Second, the impediments to the implementation of financing of the Shariah Financial Institutions in Sumbawa with respect to the principle of profit sharing, and thirdly, the solution to overcome the impediments of the financing of the Syari'ah Financial Institutions in Sumbawa with respect to the ideal profit-sharing principle.
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Liu, Zhanyu, und Xialing Sun. „Research on the credit risk of small and micro enterprises under “The Belt and Road Initiative”“. E3S Web of Conferences 53 (2018): 03079. http://dx.doi.org/10.1051/e3sconf/20185303079.
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Under the “The Belt and Road Initiative”, small and micro enterprises have new opportunities and new challenges. At present, the biggest problem facing the development of small and micro enterprises is the financing problem, and it is imminent to solve the financing problem. Based on the actual situation of small and micro enterprises, this paper designs a credit risk evaluation index system for small and micro enterprises through literature analysis and questionnaire, makes an empirical analysis on the H e-commerce enterprises in Henan province. On this basis, the credit risk control strategy of small and micro enterprises is put forward at the end of the article.
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Duasa, Jarita, und Mohamed Asmy Bin Mohd Thas Thaker. „A CASH WAQF INVESTMENT MODEL: AN ALTERNATIVE MODEL FOR FINANCING MICRO-ENTERPRISES IN MALAYSIA“. Journal of Islamic Monetary Economics and Finance 1, Nr. 2 (29.02.2016): 161–88. http://dx.doi.org/10.21098/jimf.v1i2.533.
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This study was designed to empirically determine: (i) to look the factors causes micro enterprises opt for using internal funding instead of external funding; and (ii) to observe the probability of micro enterprises opt for Cash Waqf fund as alternative source of funding their business. The primary data is collected from the administered survey questions in Klang Valley (Selangor and Kuala Lumpur) and the analysis is conducted using statistical analysis and Structural Equation Modeling (SEM). The model is validated its acceptance in the field by adopting the Theory of Reasoned Action (TRA). From the findings, among the factors that lead micro enterprises to use internal funding are strict collateral requirement by commercial financial institutions, high cost of financing, strict documentation requirement and good financial and business track record. Unfortunately, most of them cannot fulfill these conditions and continue to face the problem of accessing finance. The present study has developed the Cash Waqf Investment model to support micro enterprises to improve their access to finance and enhance the skills. Based on the responses received from the field, it has been shown that the intention and readiness of micro enterprises in accepting the model as a source of financial and human capital development services is impressive.Keywords: Micro-enterprises, Financing, Cash waqf, Theory of reasoned actionJEL Classification: G1, L3, O14
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Xu, Zimei. „Research on the Influence of Supply Chain Finance on Enterprise Operation Performance Under the Background of Digital Transformation“. Frontiers in Business, Economics and Management 8, Nr. 3 (25.04.2023): 172–77. http://dx.doi.org/10.54097/fbem.v8i3.7834.
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In the economic market, small and medium-sized enterprises are the most solid, the most active and the largest entity for promoting economic development, stimulating the demand for innovation, improving people's lives and increasing employment. However, the problem of financing constraint is always the shackle that restricts the development of small and medium-sized enterprises. As a strong support for national development, the integration of the real economy and the financial supply side has been in constant friction. Efforts should be made to create a sound financing ecology, and further promote the solution of the financing difficulties of the real economy, especially for micro, small and medium-sized enterprises. In reality, the shortage of operating capital is always the main factor restricting the improvement of enterprise operation performance. In view of this situation, supply chain finance is regarded as an effective way to solve the financing problems of small and medium-sized enterprises by the theoretical circle and the industrial circle. Supply chain finance, as a new financing solution, helps to optimize the allocation of resources and funds between the upstream and downstream organizations of the supply chain, and gradually becomes an important way to alleviate the shortage of operating funds for small and medium-sized enterprises. This paper systematically reviews the relationships among supply chain finance, supply chain integration, enterprise digital transformation and enterprise operation performance, and reviews the information asymmetry theory and transaction cost theory.
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Pang, Qiannan. „Can Network Infrastructure Construction Alleviate Corporate Financing Constraints?“ Frontiers in Business, Economics and Management 4, Nr. 1 (13.06.2022): 68–72. http://dx.doi.org/10.54097/fbem.v4i1.505.
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T The construction of network infrastructure is conducive to promoting enterprises to ease financing constraints, which is of great practical significance for optimizing the allocation efficiency of enterprise factors and promoting high-quality economic development. Based on the perspective of information asymmetry, taking the "Broadband China" pilot as a natural experiment, using the data of Chinese listed companies from 2009 to 2020, and using the multi-period double difference method to empirically test the impact of network infrastructure construction on the constraint level of enterprise financing and verify its internal mechanism. The study found that the construction of network infrastructure helps to alleviate the financing constraint level of enterprises. Heterogeneity analysis shows that the policy significantly alleviates the financing constraints of large-scale enterprises, but the impact on small and medium-sized enterprises is not significant. The conclusions of this paper not only broaden the perspective of "new infrastructure" research, but also provide reliable empirical evidence and policy implications for the impact of network infrastructure construction on micro-enterprise behavior.
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Sari, Nurmala, Ahmad Adib Nasution und Arifa Pratami. „PERAN PEMBIAYAAN DALAM MENINGKATKAN USAHA MIKRO PADA BANK SUMUT SYARI’AH CABANG RINGROAD MEDAN SELAYANG“. MUTLAQAH: Jurnal Kajian Ekonomi Syariah 3, Nr. 1 (03.11.2022): 52–59. http://dx.doi.org/10.30743/mutlaqah.v3i1.6142.
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Developing micro-enterprises in Indonesia cannot be separated from banking support in disbursing financing to micro-enterprises. The role of Islamic banking in developing community businesses, especially in micro-enterprises, is to participate in providing financing to the community to develop their businesses. In this study, there are two problem formulations, namely what is the role of financing in increasing micro-enterprises at Bank Sumut Syari'ah Rongroad Medan Selayang Branch? What is the condition of the role of financing in increasing micro-enterprises before and after the existence of Bank Sumut Syari'ah Rongroad Medan Selayang Branch? And how is the role of Islamic banks in increasing micro-enterprises at Bank Sumut Syari'ah Rongroad Branch.The purpose of this study is to determine the role of financing in increasing micro-enterprises at Bank Sumut Syari'ah Rongroad Medan Selayang Branch, to determine differences in customer income before and after receiving financing, and to analyze the role of Islamic banks in increasing micro-enterprises at Bank Sumut Syari'ah. Rongroad Branch The research methodology used is a quantitative approach. The sample used is the Micro business customers of Bnak Sumut Syariah Medan Ringroad Branch in 2021 as many as 30 respondents. The data analysis used in this study is simple linear regression analysis and comparison test, with the help of SPSS version 20. The results of the research conducted indicate that financing has a significant effect on increasing microfinance business at Bank Sumut Syariah Ringroad Medan Selayang Branch. The development of the customer's business occurred in increasing business capital, increasing sales turnover, increasing income, expanding business and increasing workforce. And there is a significant difference in the level of income of PT. Sumut Syariah Medan Ringroad Branch Office before and after obtaining microfinance. The average income of customers after obtaining microfinance for North Sumatra Syariah Medan Branch Office increased by 35%. Where the average income before obtaining microfinance is Rp. 3,521,579.55 and after obtaining microfinancing is Rp. 4,752,329.55.
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Sono, Moh Gifari, Eko Sudarmanto, Dyah Palupiningtyas und Efendi Sugianto. „The Effect of Sharia Financing Availability on Economic Growth of MSMEs in Sukabumi“. West Science Interdisciplinary Studies 1, Nr. 11 (23.11.2023): 1156–64. http://dx.doi.org/10.58812/wsis.v1i11.385.
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This research investigates the effect of the availability of Islamic financing on the economic growth of Micro, Small, and Medium Enterprises (MSMEs) in Sukabumi. A sample of 197 MSMEs participated in the study, providing data on Islamic financing utilization, financial performance indicators, and other relevant variables. The analysis employs Structural Equation Modeling with Partial Least Squares (SEM-PLS) to examine the relationships between these variables. The results reveal a significant and positive relationship between the availability of Islamic financing and the economic growth of MSMEs. Additionally, the study uncovers the mediating role of financial performance indicators, indicating that improved financial performance acts as a mechanism through which Islamic financing positively influences economic growth. Furthermore, the moderation analysis highlights the varying impact across different enterprise sizes, with medium-sized enterprises experiencing a more pronounced positive effect. The practical implications of these findings are discussed in the context of policy, financial institutions, and MSME owners. Policymakers can use the results to design targeted policies, financial institutions can refine their strategies, and MSME owners gain insights into the benefits of utilizing Islamic financing.
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Hou, Xiaoyang. „Small and Medium-sized Enterprises Private Equity Risk Management“. Advances in Economics, Management and Political Sciences 10, Nr. 1 (13.09.2023): 37–45. http://dx.doi.org/10.54254/2754-1169/10/20230425.
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Small and medium-sized enterprises are playing an important role in Chinese economic development. However, due to the lag in system construction, the scale of small and medium-sized enterprises is relatively small; many of these enterprises lack funds, and it is difficult to get loans. The financing difficulty of small and medium-sized enterprises always exists in China, which has become an important reason restricting their further development. In the past, smes used to borrow money from banks to finance their development. They have been borrowing from banks with their assets as collateral, but as the country has adopted a tight monetary policy, most of the loans applied for by smes have been rejected by banks. Private equity fund has the characteristics of low financing threshold and high added value of enterprises, helping many small and medium-sized enterprises to solve the capital problem, enabling them to develop and grow. In the process of private equity fund financing, the macro environment and micro factors bring huge risks to the whole financing process. Therefore, it is necessary to evaluate, analyze and control every risk that may cause financing failure in the financing process. This paper uses the method of literature review, qualitative and quantitative combination, through the construction of small and medium-sized enterprise private equity fund investment risk evaluation index system, from the micro and macro environment to evaluate and analyze the risk, for the analysis of small and medium-sized enterprises may face financing risk to provide effective avoidance measures.
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Siswanti, Indra, und Aslam Mei Nur Widigdo. „LITERASI KEUANGAN SYARIAH BAGI UMKM, SEBUAH SOLUSI MEMPEROLEH MODAL USAHA“. Jurnal Abdimas Perbanas 3, Nr. 1 (15.06.2022): 40–44. http://dx.doi.org/10.56174/jap.v3i1.473.
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ABSTRACT
Small, micro and medium enterprises (MSMEs) which are the object of this community service activity are located in the West Jakarta area. Small, micro and medium enterprises (MSMEs) need to be provided with Islamic financial literacy including products, services and various financing contracts at Islamic banks and Islamic financial institutions, so that small, micro and medium enterprises (MSMEs) can find solutions to find working capital financing. in the context of developing its business. For this reason, the Community Service team from Mercu Buana University Jakarta will hold an activity "Sharia financial literacy for MSMEs, a solution to obtain business capital." This activity is carried out virtually through the Google Meet application. The number of MSMEs participants who took part in this activity was 27 MSME actors and 8 lecturers from Mercu Buana University participated.
Keywords: Islamic Financial Literacy, Islamic banking products and services.
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Sarangi, Unmana. „MICRO SMALL AND MEDIUM ENTERPRISES MULTILATERAL ENTERPRISES FOREIGN DIRECT INVESTMENT AND FINANCING FOR ACHIEVING SUSTAINABLE DEVELOPMENT GOALS AND THE UNITED NATIONS 2030 AGENDA“. International Journal of New Economics and Social Sciences 17, Nr. 1 (31.07.2023): 115–28. http://dx.doi.org/10.5604/01.3001.0053.9609.
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The research paper entitled “Micro Small and Medium Enterprises, Multilateral Enterprises, Foreign Direct Investment and Financing for Achieving Sustainable Development Goals and the United Nations 2030 Agenda” reflects the global issues pertaining to the role of Micro, Small and Medium Enterprises (MSMEs), Multilateral Enterprises, Foreign Direct Investment policies and financing for achieving the Sustainable Development Goals (SDGs) and the United Nations 2030 Agenda. It dwells into the study of various macro issues and aspects such as relevance, role and contribution of MSMEs to the global economies and the SDGs, background and definition of MSMEs, inter-linkages between the MSMEs and the SDGs, Multilateral Enterprises and the United Nations Sustainable Development Goals (SDGs), FDI Policies for Improving the Sustainable Development Impacts of Investment, need of international and national actions to scale up SDG financing, need for scaling up investment in the SDGs and climate action, enhancing international financial architecture.
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Tang, Jingwei. „Evaluations for Financing Modes of Micro-Middle Size Corporations“. Highlights in Business, Economics and Management 14 (12.06.2023): 88–92. http://dx.doi.org/10.54097/hbem.v14i.8969.
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As a matter of fact, micro-middle size corporations are an important part of China's economy and have contributed greatly to the prosperity and development of the economy and the full development of society, stability, and harmony. The competition between enterprises has also promoted the progress of technology, promoted the development of economy and finance, increased the disposable income of urban drama titles, and improved social production efficiency. They have gradually become the backbone of socio-economic, political, and cultural development. However, SMEs need a large amount of capital injection to achieve new development when they continue to expand their scale operations, and they miss out on opportunities because they cannot obtain the required funds in time. Although governments and scholars across the country have paid extensive attention to SMEs, the financing difficulties of SMEs have been a problem around the world in recent decades. Our financial system needs to be improved, the financial suppression reform has not been completed, the private financial restriction is more, resulting in small and medium-sized enterprises financing without a sound support mechanism, capital shortage predicament is becoming more prominent. At the present stage, policies and financing theories issued by the government generally apply to large enterprises of a certain scale, and they cannot raise funds under their guidance. Therefore, signing the important role, this paper discusses the financing difficulties in detail.
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Varnalii, Z., und А. Mehed. „THREATS TO FINANCIAL SECURITY OF BUSINESS ENTITIES AND WAYS TO PREVENT THEM“. Bulletin of Taras Shevchenko National University of Kyiv. Economics, Nr. 221 (2022): 13–18. http://dx.doi.org/10.17721/1728-2667.2022/221-4/2.
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Enterprises are forced to conduct business in the turbulent exogenous and endogenous environment. This poses threats to financial security at the microlevel, both of cyclical and non-cyclical origin. The paper aims to identify threats to Ukrainian enterprises’ financial security and propose directions for minimizing financial security threats on the micro-level. The paper considers a set of actors of exogenous and endogenous environments that affect the state of financial security at the micro-level. Analysis of groups of stakeholders in the context of financial security is carried out. It is emphasized that changes in the enterprises’ financial security have consequences at both micro- and macro-level. The key drivers of financial and market nature that affect financial security are considered. The exogenous and endogenous environment influences were considered as set of factors of economic, demographic, socio-cultural, legal, and organizational nature. The paper studies a set of micro-level quantitative and qualitative indicators that affect financial security. The importance of accounting for industry and enterprise-specific characteristics in financial security analysis is emphasized. Analysis of financial security through the prism of Ukraine’s real sector finance is carried out. It is highlighted that there are issues of the declining weight of stable financing sources, as well as an issue of a lesser focus on non-current assets in the context of deteriorating financial security. The importance of combining short- and long-term measures of both financial and market nature under the framework of financial security is emphasized. An algorithm for analyzing the state of an enterprise’s financial security is proposed. A set of short- and mediumterm time horizon measures has been formed to maintain adequate financial security at the micro-level. It is suggested to include a key indicator of financial security into them as of strategic goals, i.e., Balanced Scorecard, for economic turbulence period usage.
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Fang, Fang, und Shijia Tang. „Research on The Innovation of Financing Model Under the Digital Transformation of Catering Micro and Small Enterprises“. Frontiers in Business, Economics and Management 5, Nr. 1 (12.09.2022): 188–90. http://dx.doi.org/10.54097/fbem.v5i1.1572.
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Catering micro and small enterprises have been disadvantaged in financing, with narrow financing channels and high financing costs. With the arrival of digital economy, various innovative financing models such as big data credit, supply chain finance and tax-for-loan have emerged. According to the stage of digital transformation they are in, catering micro and small enterprises should choose these innovative financing models in a timely manner to solve their financing difficulties and expensive financing problems.
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Novianto, Abdullah Syakur Novianto, Mohammad Rizal und Nafadzila Wahyuniar Asri. „Non-Performing Micro, Small and Medium Enterprises Financing: Studies on Islamic Banking in Indonesia“. Journal of Islamic Economics Perspectives 5, Nr. 2 (18.09.2023): 33–41. http://dx.doi.org/10.35719/jiep.v5i2.120.
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Micro, Small and Medium Enterprises (MSMEs) have a very large role in the Indonesian economy, but they have the problem of not having access to capital from either banks or non-bank financial institutions. As a form of commitment to support government programs, conventional and Sharia banking extends credit to MSMEs. The amount of financing channelled by Sharia banking to the MSME sector has continued to increase, but the increase in MSME financing has had an impact on non-performing financing for MSME financing, which is above 5%. This study aims to determine the effect of financing margin, the financing-to-deposit ratio (FDR) and the inflation rate on non-performing financing (NPF) for MSME financing in Islamic banking in Indonesia. Multiple regression analysis is used in this study, and took a sample of 36 data was obtained from the financial services authority's Sharia banking statistical reports. This study found that the financing margin and the financing-to-deposit ratio (FDR) positively affect non-performing MSME financing. In contrast, the inflation rate does not affect non-performing MSME financing.
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Sulistya, Ghana Atma, und Darwanto Darwanto. „Transaction cost of micro and small enterprises financing“. Economic Journal of Emerging Markets 8, Nr. 2 (01.10.2016): 171–86. http://dx.doi.org/10.20885/ejem.vol8.iss2.art9.
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Ṭḯrlea, Mariana Rodica. „Financing Alternatives of Micro Enterprises (II Practical Application)“. International conference KNOWLEDGE-BASED ORGANIZATION 25, Nr. 2 (01.06.2019): 98–103. http://dx.doi.org/10.2478/kbo-2019-0063.
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Abstract One Micro-enterprises can benefit from state aid only when they demonstrate that, at the time of the on-line completion of the business plan, they meet cumulatively the eligibility criteria imposed by the funding authority. These criteria are minimal and binding for fund applicants and are conditioned as micro-enterprises: 1. to be organized either according to the Law on Commercial Companies no. 31/1990 or according to Law on co-operation no. 1/2005, republished; 2. are small and medium-sized enterprises; 3. are registered at the national trade registry office; 3. have integral private share capital; 4. have their registered office and / or working place; 5. the subject-matter of the activity is authorized and eligible according to the requirements of the aid scheme at the time of submitting the request for reimbursement; 6. the activity takes place in Romania; 7. does not have obligations to the consolidated budget of the state; 8. is not in bankruptcy, is not in dissolution, is not in judicial reorganization, is not in liquidation, is not subject to forced execution, is not in insolvency or bankruptcy, does not have temporary suspended activity or has operational closure.
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Afkar, Taudlikhul. „PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA“. al-Uqud : Journal of Islamic Economics 1, Nr. 2 (30.07.2017): 183. http://dx.doi.org/10.26740/jie.v1n2.p183-201.
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The purpose of this research is to know the influence of sharia financing by the real sector through micro, small and medium enterprises (SMEs) and the influence of capital adequacy of Islamic Banking in Indonesia in order to earn profit by using managed assets. This study uses a quantitative approach that analyzes secondary data from financial statements Islamic Banking in Indonesia period 2012-2015. Sampling technique using purposive sampling with the ratio of each variable as a unit of analysis. The analysis used multiple linear regression with t test partially. The results showed that the influence of Islamic financing of micro, small and medium enterprises (SMEs) on the ability to get a very significant profit partially by 0.708 or 70.8%, while the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR) -0.519 or -51.9%. The Effect of micro, small and medium enterprises (SMEs) financing and Capital Adequacy of Islamic Banking in obtaining profit amounts to 55.7%. This research shows that the financing of UMKM given by Islamic Banking gives an important role for entrepreneurs to develop his business with sharia scheme.
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Afkar, Taudlikhul. „PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA“. al-Uqud : Journal of Islamic Economics 1, Nr. 2 (30.07.2017): 183. http://dx.doi.org/10.26740/al-uqud.v1n2.p183-201.
Der volle Inhalt der QuelleAnnotation:
The purpose of this research is to know the influence of sharia financing by the real sector through micro, small and medium enterprises (SMEs) and the influence of capital adequacy of Islamic Banking in Indonesia in order to earn profit by using managed assets. This study uses a quantitative approach that analyzes secondary data from financial statements Islamic Banking in Indonesia period 2012-2015. Sampling technique using purposive sampling with the ratio of each variable as a unit of analysis. The analysis used multiple linear regression with t test partially. The results showed that the influence of Islamic financing of micro, small and medium enterprises (SMEs) on the ability to get a very significant profit partially by 0.708 or 70.8%, while the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR) -0.519 or -51.9%. The Effect of micro, small and medium enterprises (SMEs) financing and Capital Adequacy of Islamic Banking in obtaining profit amounts to 55.7%. This research shows that the financing of UMKM given by Islamic Banking gives an important role for entrepreneurs to develop his business with sharia scheme.
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Syafaah, Nurul, und Khozainul Ulum. „Peran Pembiayaan Murabahah di BMT Mandiri Sejahtera Cabang Sugio dalam Meningkatkan Pendapatan UMKM Pasar Sugio Lamongan“. JES (Jurnal Ekonomi Syariah) 7, Nr. 1 (01.03.2022): 95. http://dx.doi.org/10.30736/jesa.v7i1.310.
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Small and medium micro enterprises (MSMEs) has the important role in the community for expanding employment and giving economic services that spread to the community, increasing business income and achieving benefit and prosperity among others. MSMEs basically need the support of micro finance institutions which provides the funding to raise the financial asset of MSME using sharia system. This study aims at answering the question about the role of mura>bah}ah financing in BMT Mandiri Sejahtera Branch Sugio Lamongan for increasing the income of small and medium micro enterprises (MSME) of Sugio Market. This is qualitative research which is also called naturalistic research method because the research have the interview, observation, and documentation. This study uses qualitative descriptive analysis technique to analyze data which tells about mura>bah}ah financing held by BMT Mandiri Sejahtera Branch Sugio Lamongan. The findings reveal that mura>bah}ah financing in BMT Mandiri Sejahtera Branch Sugio Lamongan plays an important role in improving small and medium micro enterprises of Sugio Market.
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Chin, Othman, und Maisyarah Mohd Nor. „Does The Micro Financing Term Dictate The Performance of Micro Enterprises?“ Procedia Economics and Finance 35 (2016): 281–86. http://dx.doi.org/10.1016/s2212-5671(16)00035-6.
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