• The Journal of Asian Finance, Economics and Business
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• 제9권9호
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• pp.291-298
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• 2022

The most crucial elements of SME growth and development are performance and innovation. In actuality, SMEs find it challenging to enhance their performance and innovation due to limited access to resources. Collaboration with other SMEs in the form of local communities can be an alternative solution to gaining access to external resources. Unfortunately, not many studies have explored the role of the local SME community in the development of innovation and performance of SMEs. This study tries to fill this gap by examining the role of local communities in expanding SMEs' access to resources, in their efforts to improve innovation and performance. Data was collected using an online questionnaire distributed to food and beverage SMEs in Malang Regency. As many as 150 questionnaires were received and considered valid for statistical data analysis using the WarpPLS program. The results show that the SME community plays an important role in improving the innovation and performance of food and beverage SMEs. It is also found that innovation can be a good mediator of community relations with the performance of SMEs. Furthermore, it is also confirmed that the SME community moderates the relationship between innovation and the performance of food and beverage SMEs.

• 유통과학연구
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• 제21권2호
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• pp.65-76
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• 2023

Purpose: This study examines the opportunities and challenges of sharia-based regional development bank spin-offs in supporting economic growth and income distribution through a board of commissioner's approach. Research design, data, and methodology: The research design is qualitative research with the main data collection technique through in-depth interviews. Results: The results of the study show that Bank Nagari can support the performance of the West Sumatra government, especially in regional finance. The positive influence is shown in the benefit aspect of 31% and the opportunity of 28% which is the priority value. The challenges that must be faced are technology services, improving the quality of human resources, socialization, and application of local wisdom which is by the philosophical values of the people of West Sumatra Adat Basandi Syara' Syara' Basandi Kitabullah. Conclusions: It can be concluded that the local government of West Sumatra has an essential contribution to the conversion of Bank Nagari to RDB Syariah as a whole. The expected implication is that the local government and shareholders cooperate well in supporting the transformation to realize West Sumatra Mandani through the populist economy of the people of West Sumatra.

• 유통과학연구
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• 제22권6호
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• pp.69-81
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• 2024

Purpose: Small airports are social and economic enablers and facilitate businesses and individuals. They contribute significantly to the distribution and logistics of the local produce - be it goods or services, thereby impacting the economy but have limited access to funds and poor management restricts their development. Despite the importance, small airports in small cities struggle financially as they are unable to earn profits and have higher operating costs. In other words, this is a paradoxical situation for small airports wherein, despite losses, the regional or national public authorities still finance such airports under socio-economic obligations. Therefore, this study aims to identify the critical success factors for improving small airports' performance and propose a business model. Research design, data and methodology: Using the qualitative research, interviews with 16 stakeholders from Guwahati, Tirupati, Bhubaneswar and Dehradun airports in india were examined. Results: The analysis reveals strategic planning and low cost, non-passenger services, and development of airport economic region as the main factors contributing towards small airports' success. Additionally, providing logistics to the local businesses and creating niche markets are suggested. Conclusions: Small airports, based on their services and the means of targeting customers, could select the relevant approach to improve their overall performance and improve profitability.

• 한국경제지리학회지
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• 제14권4호
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• pp.583-602
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• 2011

이 논문은 부산지역 기업을 제조업과 비제조업으로 구분한 후 이들이 기업금융에 대해 어떻게 의식하고 있으며 그것은 무엇을 함의하고 있는지를 설문조사결과에 기초하여 분석하였다. 분석결과에 의하면 부산지역의 제조기업과 비제조기업은 은행과의 거래가 상이하다. 이는 각자의 영업기반이 상이한데서 기인한다. 비제조기업은 주된 영업기반이 부산지역에 있어 지방은행을 주거래은행으로 하면서 주거래은행에 대한 의존도가 높다. 이에 반해 제조기업은 영업망이 지역에 한정되어 있는 지방은행이 제공하는 금융서비스에 만족하지 못하면서 지방은행 이외의 은행과 밀접한 거래관계를 유지하고 있다. 이러한 분석결과는 지방은행으로 하여금 보다 폭넓게 지역기업의 정보생산기능과 감시기능을 발휘하도록 요구하는 것이다. 설문조사를 기초로 지방은행이 지역밀착경영을 강화해야 한다는 점을 논리적으로 밝힌 점은 이 논문의 중요한 기여의 하나이다.

• 통상정보연구
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• 제15권1호
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• pp.357-379
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• 2013

최근 우리나라는 외화획득용 원료 등 구매제도에 대해 전자화를 도입하게 되었다. 정부는 구매확인서의 전자화를 위해서 2011년에 대외무역관리규정을 개정하였다. 또한, 외화획득용 원료 등 구매제도에는 구매확인서에 이어 2012년에 내국신용장도 전자화하였다. 이는 우리나라 전자무역이 로컬거래 절차의 전자화를 추진하게 되는 것이다. 본 연구에서는 외화획득용 물품관리제도에 대한 선행적 고찰과 대외무역관리규정의 개정을 통한 구매확인서 전자발급의 의무화 및 한국은행 무역금융 취급세칙의 개정으로 내국신용장의 전자개설 의무화에 따른 이론적, 법적 고찰과 로컬거래 절차의 전자화의 추진인로컬거래 통합관리시스템의 구축에 있어 법적, 실무적 문제점과 대응방안을 분석하였다.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.529-540
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• 2020

The objective of this research paper is to study the simultaneous relationship between fiscal decentralization, corruption, and income inequality among Vietnamese provinces. We use a balanced panel data set of 63 provinces/cities in Vietnam in the period from 2011 to 2018. The study used 3SLS-GMM (Three Stage Least Squares - Generalized Method of Moments estimator) and GMM-HAC (Generalized Method of Moments - Heteroskedastic and Autocorrelation Consistent estimator). Empirical evidence shows a strong simultaneous relationship: increased corruption will increase regional income disparities, income inequality, and increase fiscal decentralization. In addition, the results also suggest that an increase in per-capita income will reduce the level of corruption, or better control corruption of each province. The degree of increase in income inequality, which reduces fiscal decentralization, is the same for trade liberalization. All demonstrate that there is a simultaneous relationship between fiscal decentralization, corruption, and income inequality. In a region of high public governance quality, fiscal decentralization positively effects its economic growth. This issue will indirectly increase income inequality between provinces within a country. Our findings imply that a country's fiscal decentralization strategy should be linked to improving corruption control and local governance effectiveness, indirectly improving income inequality between localities or regions.

• The Journal of Asian Finance, Economics and Business
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• 제9권6호
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• pp.373-380
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• 2022

Today, customer satisfaction is the most important issue for Vietnamese banks. There are numerous factors that influence bank customers' satisfaction. The study investigates the factors that influence customer satisfaction with deposit services at the Vietnam Bank for Agriculture and Rural Development (Agribank) in Bac Giang province, Vietnam, and analyses the impact of each component. The authors used 5-point Likert scales to assess whether elements were related to the factors determining consumer satisfaction with Agribank's deposit service. To perform this study, exploratory factor analysis (EFA) and multiple regression were used to find factors determining customer satisfaction with Agribank services. Customers that use deposit services at Agribank in Bac Giang province, Vietnam, provided samples of 300 survey questionnaires for this study. SPSS software is used to examine the data. Customers' satisfaction with Agribank's deposit service is influenced by six factors, including reliability, responsiveness, service capabilities, empathy, tangible means, and service price, according to the study. This finding also offers some recommendations for improving service quality in local Vietnamese banks to gain a competitive advantage.

• International Journal of Computer Science & Network Security
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• 제22권7호
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• pp.75-84
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• 2022

The efficiency of the regional fiscal policy implementation is based on the achievement of target criteria in the formation and distribution of own financial resources of local budgets, reducing their deficit and reducing dependence on transfers. It is also relevant to compare the development of financial autonomy of regions in the course of decentralisation of fiscal relations. The study consists in the cluster analysis of the effectiveness of fiscal policy implementation in the context of 24 regions and the capital city of Kyiv (except for temporarily occupied territories) under conditions of fiscal decentralisation. Clustering of the regions of Ukraine by 18 indicators of fiscal policy implementation efficiency was carried out using Ward's minimum variance method and k-means clustering algorithm. As a result, the regions of Ukraine are grouped into 5 homogeneous clusters. For each cluster measures were developed to increase own revenues and minimize dependence on official transfers to increase the level of financial autonomy of the regions. It has been proved that clustering algorithms are an effective tool in assessing the effectiveness of fiscal policy implementation at the regional level and stimulating further expansion of financial decentralisation of regions.

• The Journal of Asian Finance, Economics and Business
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• 제10권2호
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• pp.333-341
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• 2023

This study investigates the impact of capital adequacy and operating efficiency on the performance of Saudi banks. In the first part, the study includes a brief introduction focused on the impact of capital adequacy and operating efficiency on the performance of banks. In the second part, a literature review examined various studies on the impact of capital adequacy and operating efficiency on banks' performance. The study methodology was presented in the third part, based on a sample that included all local Saudi banks from 2010 to 2021, using a study model to answer the study hypotheses. The results of the panel data regression indicated that CAR had a negative and significant effect on ROA and ROE but a negative and non-significant effect on NIM. CIR has a negative and significant effect on ROA, ROE, and NIM, while SIZE, LTD, and MS have a positive and significant effect on ROA, ROE, and NIM. Elimination of defects has no significant effect on return on assets, return on equity, and the NIF. But CR has no significant effect on ROA and ROE but has a positive and significant effect on NIM.

• The Journal of Asian Finance, Economics and Business
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• 제9권1호
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• pp.213-218
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• 2022

The study's goal is to determine how factors affecting tourism resilience during the COVID-19 pandemic affect Ho Chi Minh Tourism's ability to respond to changes and disruptions. The model and research hypotheses were tested using Multiple Regression Analysis Models. The statistical findings showed that the tourism resilience components have a significant influence on the tourism resilience in Ho Chi Minh city. The analyses revealed that tourism resilience consisted of four latent dimensions. There are 4 explanatory variables with a significance coefficient < 0.05. Therefore, the variables Economic resilience, Ecological resilience, Institutional resilience, and Social resilience all have a significant impact on tourist resilience, which is consistent with Jamaliah and Powell (2017). The findings have important managerial implications for local governments, as well as factors that contribute to tourism resilience, as they must attempt to adapt to changes and turbulences during a pandemic, ensuring that the tourism system rebounds in the future. The four components of tourist resilience are defined in the theoretical contribution. The findings of the study could serve as a starting point for developing future tourist resilience strategies. Because the application of tourist resilience theory is still relatively new, this study presents two theoretical and methodological contributions.