Depressed access to formal finance and the use of credit card debt in Chinese SMEs

Xu, Nana; Yuan, Ying; Rong, Zhao

doi:10.1016/j.chieco.2022.101758

Cited by 9 publications

(7 citation statements)

References 36 publications

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“…These findings show that the refusal of the banks to provide the requested funds may be due to the understanding that although the enterprises are clients to the banks, they lack the required collateral security or possibility of loan repayment which may result in the rejection of the loan application (Amadasun & Mutezo, 2021;Matsongoni & Mutambara, 2021). Additionally, 18% of the enterprises agreed that banks provide only partial funding while 78% disagreed and 4% strongly disagreed that banks do not provide partial funding (H Rubin & Ben-Aharon, 2021;Xu, Yuan & Rong, 2022). This likely supports the previously discussed results that banks provide the funds on the basis that all the stipulated requirements are met by the applicant (H Rubin & Ben-Aharon, 2021; Xu, Yuan & Rong, 2022).…”

Section: The Relationship Between Firms and Bankssupporting

confidence: 70%

“…Additionally, 18% of the enterprises agreed that banks provide only partial funding while 78% disagreed and 4% strongly disagreed that banks do not provide partial funding (H Rubin & Ben-Aharon, 2021;Xu, Yuan & Rong, 2022). This likely supports the previously discussed results that banks provide the funds on the basis that all the stipulated requirements are met by the applicant (H Rubin & Ben-Aharon, 2021; Xu, Yuan & Rong, 2022).…”

Section: The Relationship Between Firms and Bankssupporting

confidence: 70%

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AN EVALUATION OF GOVERNMENT SUPPORT SERVICES FOR SMMEs IN THOHOYANDOU, SOUTH AFRICA

Kelly¹,

Shumba²,

Zindiye³

et al. 2022

JEI

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Small, Medium, and Micro Enterprises (SMMEs) possess attributes akin to entrepreneurship that make them indispensable tools for economic growth and development. While SMMEs have a direct impact on economic growth in advanced economies, these enterprises have a high failure rate due to a variety of reasons, especially during the start-up and growth phases. Government support schemes have been availed to SMMEs to assist them to survive the vulnerable phases of their existence. This study investigates the role of government support services towards the development and growth of SMMEs in South Africa. The quantitative research design used the survey method to collect data from a sample of one hundred (100) SMMEs in Thohoyandou, South Africa. The Statistical Package for Social Sciences (SPSS) was used to analyse the data, and presentation used descriptive analysis. The main study revealed that despite the government support schemes and initiatives, the failure rate of SMMEs remains high. The major factors affecting the uptake of government support schemes and initiatives included the lack of information and access to the financial assistance offered to most SMMEs through the government schemes. Despite the support schemes and initiatives, further challenges include the proliferating myriad of rules and regulations in the regulatory environment curtailing the operations and survival of SMMEs. Study findings indicated that despite the existence of the growth and development-oriented government support schemes, most SMMEs are unaware of their existence while other enterprises find them ineffective. The main conclusions point to the information deficit and needs analysis that would tailor-make and accommodate the specific requirements of different enterprises.

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Section: The Relationship Between Firms and Bankssupporting

confidence: 70%

Section: The Relationship Between Firms and Bankssupporting

confidence: 70%

AN EVALUATION OF GOVERNMENT SUPPORT SERVICES FOR SMMEs IN THOHOYANDOU, SOUTH AFRICA

Kelly¹,

Shumba²,

Zindiye³

et al. 2022

JEI

View full text Add to dashboard Cite

show abstract

“…The main problem that is often faced by every company engaged in any line of business cannot be separated from the need for funds (capital) to finance its business (Fasano & Cappa, 2022;Xu et al, 2022). The need for these funds is indispensable for both investment capital or other working capital.…”

Section: Introductionmentioning

confidence: 99%

The Influence of Customer Trust and Value on Customer Loyalty Small and Medium Business (Smes) PT Bank Rakyat Indonesia Branch Office Cilegon

Hamdan

2022

ijjm

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Small and Medium Enterprises (SMEs) Customer Loyalty can be created through customer trust and value. In this study, specifically discusses the loyalty of Small and Medium Enterprises (SMEs) customers at PT. Bank Rakyat Indonesia Cilegon Branch Office. This study aims to determine the effect of two independent variables, namely the trust variable and customer value on the dependent variable, namely the loyalty variable of Small and Medium Enterprises (SMEs). The method of data collection in this study is to use a questionnaire, observation and documentation. The number of samples in this study was 1 00 respondents. Then an analysis was carried out on the data that had been obtained using the quantitative analysis method. The results of the study show that trust has a positive influence on the loyalty of Small and Medium Enterprises (SMEs) customers and customer value also has a positive influence on the loyalty of Small and Medium Enterprises (SMEs). positive on the loyalty of Small and Medium Enterprises (SMEs) customers of PT Bank Rakyat Indonesia Cilegon Branch Office

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“…To survive, migrants who live in cities carry out everyday activities (both legal and illegal) as a source of their livelihood. This is done with consideration rather than being unemployed who have no income or have low and non-permanent income (Sohal et al, 2022;Tikkanen, 2002;Xu et al, 2022).…”

Section: Introductionmentioning

confidence: 99%

Business Strategy Approach to Informal Small Businesses in Increasing Productivity and Competitiveness

Mansur

Djaelani

2022

GRMAPB

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The aim of this study is to analyze (1) performance on production capabilities, (2) Market orientation on performance, (3) innovative performance, (4) Performance on work productivity, (5) Production capacity on competitiveness, (6) Market orientation on competitiveness (7) Innovative on competitiveness (8) Work productivity on competitiveness (9) Performance on competitiveness. The research used primary data by surveying as many as 187 Informal small business respondents in Surabaya city as samples. Research data were analyzed using Structural Equation Modeling (SEM). The results of this study states: (1) Production capacity significantly on performance, (2) Market orientation was not significantly on performance, (3) Innovative have significant effect on performance, (4) work productivity have a significant effect on performance (5) production capacity of influential have significant effect on competitiveness, (6) Market orientation have a significant effect on competitiveness, (7) Innovative have a significant effect on competitiveness (8) Work productivity have significant effect on competitiveness (9) Performance have a significant effect on competitiveness (10) Production capabilities have a significant effect on competitiveness through Performance, (11) Market orientation do not have effect on competitiveness through performance, (12) Innovative have a significant effect on competitiveness through performance, (13) Work productivity have a significant effect on competitiveness through performance.

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Depressed access to formal finance and the use of credit card debt in Chinese SMEs

Cited by 9 publications

References 36 publications

AN EVALUATION OF GOVERNMENT SUPPORT SERVICES FOR SMMEs IN THOHOYANDOU, SOUTH AFRICA

AN EVALUATION OF GOVERNMENT SUPPORT SERVICES FOR SMMEs IN THOHOYANDOU, SOUTH AFRICA

The Influence of Customer Trust and Value on Customer Loyalty Small and Medium Business (Smes) PT Bank Rakyat Indonesia Branch Office Cilegon

Business Strategy Approach to Informal Small Businesses in Increasing Productivity and Competitiveness

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