• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.19-30
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• 2020

This paper investigates, in a single equation framework, the effect of bank-specific and macroeconomic determinants on micro-, small- and medium-sized loans by commercial banks in Indonesia. This study uses a sample of 790 observations from 79 commercial banks in Indonesia over the years 2006-2015. This study uses two estimation methods for our panel regressions: static and dynamic generalized method of moments (GMM) panel estimator. In static relationships, the literature usually uses the least square methods on fixed effects (FE) or random effects (RE). I found evidence that all banks, bank profitability and size are positively and significantly related to micro-, small- and medium-sized loans, while the coefficients of liquidity are significantly positive in all specifications, except government banks which is significantly negative. The relationship between risk and credit growth is negative for non-government banks. All estimated equations show that the effect of the capital variable on lending banks to MSMEs is not important in government banks and non-government banks. Finally, macroeconomic variables, such as inflation and gross domestic product, clearly affect the lending of the banking sector particularly non-state banks. The findings have several policy implications to Indonesia government, regulatory authority and bank managers in order to improve bank profitability through bank lending.

• The Journal of Society for e-Business Studies
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• v.16 no.3
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• pp.129-143
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• 2011

In modern industrial society, the importance of inter enterprise collaboration is more emphasizing for the survival of companies and strengthening its competitiveness. The studies using IT systems effect on inter-enterprise collaboration are already taken several times. However, there is not much systematic research to evaluate the informatization level of B2B collaboration. In this paper, we examined the level of B2B collaboration and the use of IT systems for each business area in small and medium-sized collaborative enterprise which are classified into shipbuilding, automobile, and electronic industry. We verified that the level of collaboration between companies are significant to the level of IT use for each business area by regression analysis. The conclusion of this study is that the level of B2B collaboration and the use of IT systems for each business area are different.

• Management & Information Systems Review
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• v.12
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• pp.227-245
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• 2003

In this paper, it is indicated that, currently, foundation of small and medium businesses is generally increasing in number, but the establishment of manufacturing companies is very slow. This is because of many factors interfering with promotion of the opening of small and medium businesses such as endless bakruptcies of the businesses and uncertain perspective. Therefore, it will be expected to encourage people to start business and activate establishment of small and medium sized manufacturing companies by improving tax support systems and providing tax support information services for founed companies and foundation supporting companies.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.46 no.3
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• pp.231-240
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• 2023

This empirical analysis investigates the impact of consultant competency and project manager (PM) competency on business performance. Two hundred and twenty four chief executive officers and executive members at small and medium sized firms in the manufacturing sector were surveyed, yielding several outcomes. First, consultant competency positively affects consulting performance. Second, consultant competency positively affects business performance. Third, PM competency does not have a significant influence on consulting performance. Fourth, PM competency does not have a significant impact on business performance. Fifth, consulting performance does not have a significant effect on business performance. Finally, regarding the mediation effect of consulting performance on the influence of consultant competency and PM competency on business performance, consulting performance had no significant impact. Thus, expertise and insight are crucial for a consulting business to enable the growth of professional consultants. Furthermore, this study is expected to enhance the consulting performance of small and medium sized manufacturing firms by providing useful data to consultants and project managers when carrying out consulting projects.

• The Journal of Industrial Distribution & Business
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• v.11 no.5
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• pp.35-44
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• 2020

Purpose: The purpose of this study is to present a plan to expand the employment of the elderly in Small business as one of the ways to solve the problem of the supply and demand of the company due to the aging population and the problem of the elderly poverty. Research design, data and methodology: The method of this study is a qualitative research method, and the researcher visited a small and medium-sized company directly and collected data by conducting an in-depth interview with a business owner. The interview period was conducted on a total of 15 business owners from November 5, 2013 to November 18, 2013. Results: First, the reason why companies hire the elderly is because they are suitable people, and the reason why they are not employed is because the elderly are not suitable. Second, it was found that the most recruiting paths continued to work after retirement. Third, the strengths of the elderly in their businesses were diligence, integrity, leadership, wisdom, warmth, and skill. Disadvantages the elderly in their businesses include wanting to be treated as an adult, poor productivity, poor accuracy, and health risks. Fourth, in case of hiring the elderly, they were considering convergence with young employees, and it was suggested that there are no difficulties in being an elderly because the companies hiring the elderly use the elderly according to the characteristics of the elderly. Fifth, It is realistic to actively utilize the employment system after retirement. Sixth, it was found that, unlike young people, it is not easy to recruit people on the Internet, so it is necessary to improve the system. Lastly, some industries clearly distinguished between the jobs of the elderly and the jobs of the young, but in many industries, it was desirable to create jobs for the elderly by harmonizing the main and secondary jobs. Conclusion: Ultimately, the work of the elderly in small and medium-sized enterprises should be reborn as a high-quality job that can solve the poverty of the elderly by working as a regular worker in the enterprise, rather than simply working for the elderly.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.12 no.2
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• pp.686-693
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• 2011

Small-to-medium retailers in local neighborhood have been managing to survive without outside influence. However rapid change in business environment including consumer needs for goods and the quality of life has brought turbulence into retail business. Petty retailers are facing a crisis as large-sized discount stores owned by big enterprises are entering into traditional markets. To protect small-to-medium retailers from such threats and revive the traditional commercial markets the government is taking on the policy of subsidizing small-to-medium businesses. However, recent emergence of SSM (an industrialized supermarket in forms of direct management and affiliation) in local commercial areas has brought about conflicts and frictions between large companies and local merchants. Under this background this study attempted to make an analysis of vulnerable factors of small-to-medium retailers coping with SSM and probe for the alternatives to SSM business restructuring.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.13 no.3
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• pp.153-165
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• 2018

There must be a balanced development of both conglomerates and small and mid-sized companies in order to secure constant economic growth and competitive edge of South Korea. Accordingly, high expectations are being placed on win-win growth and joint overseas expansion of conglomerates and small and mid-sized companies. This study seeks efficient ways to promote joint overseas expansion of major retailers and small and mid-sized companies considering the distinctiveness of home shopping by conducting interviews about joint overseas expansion of home shopping companies and small and mid-sized consumer goods companies in South Korea. To do this, interviews were conducted with three home shopping companies and three consumer goods SMEs operating in overseas markets. The results are as follows. Home shopping companies contribute to opening up overseas markets for small and mid-sized consumer goods companies, and allows them to make use of business and marketing competencies that they lack. Home shopping companies also produce visual materials or provide language translations, and help draw up documents for customs clearance in trading. They also form market development teams and provide information about the overseas markets. However, since the actual benefits from joint overseas expansion are minor for home shopping companies, there is a need for a strategy for win-win growth of both parties in the long run. To this end, it is necessary to provide substantial benefits to encourage joint overseas expansion. Ultimately, balanced development between home shopping companies and small- and medium-sized consumer goods companies should be promoted.

• Proceedings of the CALSEC Conference
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• 2004.02a
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• pp.60-64
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• 2004

The rapidly improving price-performance of wireless technologies is providing an unprecedented platform for the development of wireless applications for the business. Such applications are able to take advantage of a new paradigm of mobility for data services, with the ability to sensitize to location, time and personal features. While big business has been a central feature of wireless implementation, it is now clear that small- and medium-sized enterprises (SMEs) are beginning to take advantage of the strategic benefits of wireless data communications. This study examines the state-of-the-art of wireless data services in New Zealand. It provides a survey of 127 current applications in use, as well as two short illustrative cases of application use. The paper rounds off with a summary and conclusions.

• Journal of Information Technology Applications and Management
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• v.13 no.1
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• pp.77-94
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• 2006

Case-based Reasoning (CBR) is widely used in business and industry prediction. It is suitable to solve complex and unstructured business problems. Recently, the prediction accuracy of CBR has been enhanced by not only various machine learning algorithms such as genetic algorithms, relative weighting of Artificial Neural Network (ANN) input variable but also data mining technique such as feature selection, feature weighting, feature transformation, and instance selection As a result, CBR is even more widely used today in business area. In this study, we investigated the usefulness of the CBR method in forecasting success in implementing ERP systems. We used a CBR method based on the feature weighting technique to compare the performance of three different models : MDA (Multiple Discriminant Analysis), GECBR (GEneral CBR), FWCBR (CBR with Feature Weighting supported by Analytic Hierarchy Process). The study suggests that the FWCBR approach is a promising method for forecasting of successful ERP implementation in Small and Medium sized Enterprises.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.7
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• pp.333-339
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• 2021

The study seeks to identify the determinants of the adoption of e-commerce by small and medium-sized enterprises (SMEs) in developing countries, in our case, in Indonesia. The aim of this study is to examine the factors influencing e-commerce adoption. This study uses the method of quantitative data collection based on a questionnaire survey of SMEs in Indonesia. The research relies on Regional Project stipulations regarding Business Development in Indonesia, to capture businesses with a range of 5 to 100 employees that are classified as SMEs. This study randomly chose 100 SMEs in Indonesia from the IndoNetwork database. Partial least square (PLS) structural model data processing was used for path coefficients analysis. Structural equation modeling is applied in this study to analyze the determinant factors on the e-commerce adoption. The study findings reveal that four factors, namely, perceived benefits, compatibility, technology readiness, and government support, significantly influence the adoption of e-commerce, whereas customer/supplier pressure does not have influence. So, this study concludes that perceived benefits, compatibility, technology readiness, and government support had a significant and positive relationship with e-commerce adoption. Meanwhile, customer/supplier pressure had no effect on the e-commerce adoption of by Indonesia SMEs.