scholarly journals Financial determinants of SMEs performance. Evidence from Kenya leather industry

2021 ◽  
Vol 5 (2) ◽  
pp. e389
Author(s):  
Arthur Benedict ◽  
Jackline Kinya Gitonga ◽  
Annette Serwaa Agyeman ◽  
Baffour Tutu Kyei
Keyword(s):  
Financial Literacy ◽  
Global Economy ◽  
Study Data ◽  
Tax Rates ◽  
Leather Industry ◽  
Factors Affecting ◽  
Credit Access ◽  
Access To Credit ◽  
Financial Factors ◽  
Tax Exemptions

Small and medium-sized enterprises (SMEs) are one of the buoyant businesses in the global economy with abundant resources that have not been fully exploited. Despite several revelations on the challenges of SMEs, little to none have comprehensively captured financial factors affecting the performance of SMEs, particularly, in the Kenyan leather sector. This study explores financial factors that are affecting the performance of SMEs using the case of the leather industry sector in Kenya. The study data was collected by administering questionnaires to 300 respondents who were randomly chosen from SMEs within Kenyan leather sector. The study found that financial literacy, credit access and tax are statistically significant financial factors affecting the performances of SMEs. As a result, the study recommends that Government should increase its commitment to develop SMEs by offering favorable tax rates and tax exemptions to SMEs especially those in the leather sector of Kenya. Also, SMEs should heighten their financial literacy which will help augment their access to credit.

What restricts credit to women enterprises? Evidence from India’s informal sector

2019 ◽  
Vol 46 (7) ◽  
pp. 920-937
Author(s):  
Prateeksha Maurya ◽  
Pratap Chandra Mohanty
Keyword(s):  
Rural Areas ◽  
Policy Making ◽  
Data Set ◽  
Financial Access ◽  
Content Type ◽  
Factors Affecting ◽  
Credit Access ◽  
Access To Credit ◽  
And Gender ◽  
Major Factors

Purpose The purpose of this paper is to determine the factors which affect the financial access of the female-owned informal enterprises (FOIEs) in India. There has been a dearth of studies particularly targeting determinants of credit access by the women-owned informal enterprises. Demand side factors affecting financial access have been studied. The study of major factors affecting access to credit by unorganized women enterprises will be useful for policy making perspectives. Design/methodology/approach The study uses nationalized micro data set on the non-agricultural informal enterprises and probit estimation has been used to identify the factors which affect the probabilities of access to credit for the FOIEs. Findings The study highlights what facilitates and hinders the financial access for the FOIEs particularly in India. These enterprises in rural areas have better chances to avail credit from formal sources. Firm size, measured by policy-making size of employment and gross profit, involvement in diversified activities, maintenance of accounting record, has positive and significant impact on access to formal credit. The younger firms and the firms operating in the southern states of the country have higher probabilities to avail credit from institutional sources. Originality/value The study used the latest data set available on Indian informal enterprises, thus provides important insights about the status of financing of enterprises in India. This study highlights the regional variations and gender disparities that are prevalent in the Indian economy.

scholarly journals Estimation and Determinants of Technical Efficiency of Smallholder Cashew (Anacardium) Farmers in Dassa District, Benin: a Bootstrap Data Envelopment Approach

2021 ◽  
Author(s):  
Raoul Akanro ◽  
Abraham AMOUSSOUGA GERO ◽  
Marie-Odile Attanasso
Keyword(s):  
Technical Efficiency ◽  
Rural Areas ◽  
Financial Literacy ◽  
Formal Education ◽  
Training Programme ◽  
Data Envelopment ◽  
Factors Affecting ◽  
Access To Credit ◽  
Cashew Nut ◽  
Obsolete Technology

Abstract Cashew nut production is becoming more important in Benin’s economy and helps improve rural populations’ living conditions through the income it provides. However, production is characterized by an obsolete technology and a low farm productivity. This paper examines cashew producers’ technical efficiency in Dassa District in Benin using survey data collected from 100 farms in 2020. The research relied on the bootstrap modelling of Data Envelopment Analysis (DEA) while a censored Fractional Regression Model (FRM) was applied to assess the determinants of producers' technical efficiency. The results show that farms are 34.56% technically efficient. Factors affecting technical efficiency include experience, access to credit, age of farm managers, sale of cashew apples, and expenditure on education. Policies to promote cashew farm efficiency need to focus on promoting formal education in rural areas, establishing a financial literacy training programme for farm managers, and promoting the expansion of agricultural extension for farmers. In addition, producers should also set up a system for cashew apples’ conservation and sale as production waste in order to increase their income.

scholarly journals Business Vulnerability and Credit Access for Agriculture-Based Micro and Small Women Entrepreneurs

2020 ◽  
Vol 66 (2) ◽  
pp. 97
Author(s):  
Dewi Ratna Sjari Martokoesoemo ◽  
Bonar M. Sinaga ◽  
Nunung Kusnadi ◽  
Yusman Syaukat
Keyword(s):  
Women Entrepreneurs ◽  
Manufacturing Sector ◽  
Value Added ◽  
Bank Loans ◽  
Factors Affecting ◽  
Credit Access ◽  
Access To Credit ◽  
The Government ◽  
Small Industries ◽  
Practical Implications

Micro and Small Industries (MSIs) constitute the largest share of Indonesia’s manufacturing sector and play an important role in providing employment opportunities and value-added creation. However, their business sustainability and scaling up are often hindered by various factors, one of which is access to credit. The subsidized loan scheme provided by the government, namely People’s Business Credit (KUR), appears to be insufficiently attractive to entrepreneurs, especially to Micro and Small Women Entrepreneurs (MSWEs). Employing a logit regression method and utilizing the BPS-Statistics Indonesia’s 2015 MSI survey data, this study aims to investigate factors affecting MSWEs’ decision to apply for bank loans and factors contributing to the approval of their credit applications by banks. The results show that MSWEs have low participation in credit borrowing, partially due to business vulnerability and self-rationing attitude, while credit application rejection is caused mainly by banks’ conservative approach to MSWEs. Practical implications of the findings are discussed.

Factors Affecting Financial Literacy of Vietnamese Adults: A Case Study for Hanoi and Nghe An

2017 ◽  
Vol 33 (2) ◽  
Author(s):  
Tue Nguyen Dang
Keyword(s):  
Higher Education ◽  
Multiple Regression ◽  
Financial Literacy ◽  
Urban Areas ◽  
Logistic Models ◽  
Factors Affecting ◽  
Financial Behaviors ◽  
Financial Decisions ◽  
Literacy Level

This research examines the factors affecting the financial literacy of Vietnamese adults. Using a sample of 266 observations of adults in 2 big cities in Vietnam (Hanoi and Vinh in Nghe An Province), the author evaluates the literacy level of adults in these urban areas. The financial literacy of the interviewed people is low. The multiple regression results show that lower financial literacy levels associate with higher age and married status and higher financial literacy levels associate with higher education, more family members, the person making financial decisions and the person attending a useful financial course. This research also explores the association between financial literacy and financial behaviors of individuals employing logistic models. It is found that higher financial literacy associates with less probability of overspending and higher probability of saving money and careful spending. Higher financial literacy is also found to associate with higher probability of opening a savings account and making various investments. 

scholarly journals Recurrence after Curative Resection for Intrahepatic Cholangiocarcinoma: How to Predict the Chance of Repeat Hepatectomy?

2021 ◽  
Vol 10 (13) ◽  
pp. 2820
Author(s):  
Serena Langella ◽  
Nadia Russolillo ◽  
Paolo Ossola ◽  
Andrea-Pierre Luzzi ◽  
Michele Casella ◽  
...  
Keyword(s):  
Liver Resection ◽  
Intrahepatic Cholangiocarcinoma ◽  
Major Hepatectomy ◽  
Multivariable Analysis ◽  
Study Data ◽  
Good Survival ◽  
Lower Probability ◽  
Factors Affecting ◽  
Time To Recurrence ◽  
Second Resection

(1) Background: Tumor recurrence after liver resection (LR) for intrahepatic cholangiocarcinoma (ICC) is common. Repeat liver resection (RLR) for recurrent ICC results in good survival outcomes in selected patients. The aim of this study was to investigate factors affecting the chance of resectability of recurrent ICC. (2) Methods: LR for ICC performed between January 2001 and December 2020 were retrospectively reviewed. Patients who had undergone first LR were considered for the study. Data on recurrences were analyzed. A logistic regression model was used for multivariable analysis of factors related to RLR rate. (3) Results: In total, 140 patients underwent LR for ICC. Major/extended hepatectomies were required in 105 (75%) cases. The 90-day mortality was 5.7%, Clavien–Dindo grade 3, 4 complications were 9.3%, N+ disease was observed in 32.5%, and the median OS was 38.3 months. Recurrence occurred in 91 patients (65%). The site of relapse was the liver in 53 patients (58.2%). RLR was performed in 21 (39.6%) patients. Factors that negatively affected RLR were time to recurrence ≤12 months (OR 7.4, 95% CI 1.68–33.16, p = 0.008) and major hepatectomy (OR 16.7, 95% CI 3.8–73.78, p < 0.001) at first treatment. Survival after recurrence was better in patients who underwent RLR as compared with not resected patients (31 vs. 13.2 months, p = 0.02). (4) Conclusions: Patients with ICC treated at first resection with major hepatectomy and those who recurred in ≤12 months had significantly lower probability to receive a second resection for recurrence.

Understanding Gap Acceptance Behavior at Unsignalized Intersections using Naturalistic Driving Study Data

2021 ◽  
pp. 036119812110071
Author(s):  
Yingfeng (Eric) Li ◽  
Haiyan Hao ◽  
Ronald B. Gibbons ◽  
Alejandra Medina
Keyword(s):  
Road Traffic ◽  
Wait Time ◽  
Study Data ◽  
Gap Acceptance ◽  
Factors Affecting ◽  
Unsignalized Intersections ◽  
Research Activities ◽  
Stop Sign ◽  
Naturalistic Driving Study ◽  
Naturalistic Driving

Even though drivers disregarding a stop sign is widely considered a major contributing factor for crashes at unsignalized intersections, an equally important problem that leads to severe crashes at such locations is misjudgment of gaps. This paper presents the results of an effort to fully understand gap acceptance behavior at unsignalized intersections using SHPR2 Naturalistic Driving Study data. The paper focuses on the findings of two research activities: the identification of critical gaps for common traffic/roadway scenarios at unsignalized intersections, and the investigation of significant factors affecting driver gap acceptance behaviors at such intersections. The study used multiple statistical and machine learning methods, allowing a comprehensive understanding of gap acceptance behavior while demonstrating the advantages of each method. Overall, the study showed an average critical gap of 5.25 s for right-turn and 6.19 s for left-turn movements. Although a variety of factors affected gap acceptance behaviors, gap size, wait time, major-road traffic volume, and how frequently the driver drives annually were examples of the most significant.

Impact of Non-Financial Factors on Performance of Small and Medium Scale Enterprises of Furniture Industry in Moratuwa, Sri Lanka

2021 ◽  
Vol 2 (2) ◽  
Author(s):  
W. I. A Perera ◽  
D. H. B. Y. Ranasinghe
Keyword(s):  
Sri Lanka ◽  
Small And Medium Enterprises ◽  
Study Data ◽  
Furniture Industry ◽  
Input Constraints ◽  
Financial Factors ◽  
Empirically Supported ◽  
Regulatory Constraints ◽  
Medium Enterprises ◽  
The Impact

Small and Medium Enterprises in any nation are blessed with the ability to become the backbone of the domestic economy and the sustainability. Therefore, they must concern about the factors which are affecting their performance. Many studies have been conducted by highlighting the financial factors that affect the performance of small and medium enterprises. Furniture industry is also embodied with number of small and medium enterprises around Sri Lanka. But still it is held the reputation in Moratuwa city. As an industry, small and medium enterprises are not sufficiently aware of non-financial factors which affect their performance and struggle to identify the impact of non-financial factors and how they could avoid the barriers from non-financial factors. Though the recent governments and regulatory bodies have designed policies and strategies to encourage small and medium enterprises by providing financial facilities, the information and the knowledge regarding non-financial factors are not sufficient. The purpose of this study is to identify the impact of non-financial factors on performance of Furniture industry in Moratuwa, Sri Lanka. After a comprehensive literature review, Input constraints, Regulatory Constraints, Technology constraints, Infrastructure constraints and Threats of Substitute products are identified as the independent variables of the study. Data collection was done using a structured questionnaire with 30 questions of Likert scales from the selected sample of 100 Furniture small and medium enterprises located in Moratuwa area. The analysis was carried out performing tests on descriptive statistics, validity, reliability, correlation, and regression analyses, and it is empirically supported that there is a significant impact of input constraints and infrastructure constraints on performance of Furniture industry in Moratuwa, Sri Lanka. Thereby, the findings would help the authorities and policy makers to take necessary actions to accomplish fu

Prioritizing the influencing factors of utaut-2 model toward mobile network service providers

2021 ◽  
pp. 178359172110553
Author(s):  
Ishani Patharia ◽  
Anjana Pandey ◽  
Sanjay Gupta
Keyword(s):  
Technology Acceptance ◽  
Communication Networks ◽  
Service Providers ◽  
User Behavior ◽  
Mobile Network ◽  
Study Data ◽  
Jel Classification ◽  
Network Service ◽  
Factors Affecting ◽  
Use Of Technology

Technological developments have a major impact on user behavior. The rapidly evolving communication system and technology have provided numerous choices for people. The ever-shifting changes in the generation of communication networks have posed challenges for mobile network service providers to attract and retain customers. This study aims to prioritize the determinants of the adoption of mobile network service providers using the unified theory of acceptance and use of technology (UTAUT-2). In this study, data were collected from 660 mobile phone users in Haryana, India. A fuzzy analytical hierarchy process (F-AHP) was applied to arrange the priority or rank the factors based on the significance of the factors in explaining the adoption of mobile network service providers. Results of the study reveal that efforts expectancy is the highest-ranked and prioritized factor for the adoption of mobile network service providers followed by performance expectancy and facilitating conditions. However, social influence emerged as the least important factor. The present study provides theoretical implications for future researchers by synthesizing and prioritizing the important factors affecting technology acceptance. The practical implications offer a clearer insight to marketers for developing focused pragmatic strategies to retain customer loyalty. The study has considered only UTAUT-2 model constructs and used the F-AHP technique. Other factors may be considered in future studies. Other priority analysis techniques can also be used such as ISM and MICMAC analysis for further study. The research has been conducted in Haryana, India, and therefore, it needs to be tested in other areas/countries for generalizability. JEL Classification: O1, O2, O4

Determination Of Factors Affecting Father-Baby Attachment

2021 ◽  
Vol 6 (14) ◽  
pp. 1-7
Author(s):  
Emine Serap ÇAĞAN ◽  
Birsen KARACA SAYDAM ◽  
Sinem GÜLÜMSER ATEŞ ◽  
Rabia EKTİ GENÇ ◽  
Esin ÇEBER TURFAN
Keyword(s):  
Cross Sectional Study ◽  
Study Data ◽  
Cross Sectional ◽  
Infant Attachment ◽  
Factors Affecting ◽  
Attachment Figure ◽  
Gynecology And Obstetrics ◽  
Significant Difference ◽  
Package Program ◽  
The Difference

Introduction: The primary attachment figure is mostly defined as the mother, and studies focus on the mother. However, in many babies, basic attachment is just as good with the father as with the mother. It is seen that there are very few studies in the literature investigating the correlations of father-infant attachment relationships.. The aim of this study is to determine the father-infant attachment status and to determine the factors affecting attachment. Method: The population of the cross-sectional study consisted of the spouses of all puerperant women hospitalized in the Gynecology and Obstetrics Clinic between September 1, 2018 and October 1, 2018. The sample size consisted of 156 fathers who agreed to participate in the study. Father identification form and father-infant attachment scale were used to collect the study data. The analysis of the data obtained from the research was carried out on the computer using the SPSS 16.0 package program. Results: 156 fathers participated in the study. The mean age of the fathers is 33.64±6.49, and 38.5% of them have a bachelor's degree. 91.0% of fathers stated that they felt ready for fatherhood. The fathers' Father-Infant Attachment Scale mean score was 82.60±7.72 In the analysis, the difference between the variables and the total score of the scale was found to be statistically insignificant (p>0.05). Discussion and Conclusion: At the end of the study, the bonding process of fathers participating in the study with their babies and the factors affecting this process were evaluated and it was seen that the father-infant attachment scale mean scores of the fathers participating in the study were high and were similar to other studies. In addition, when the basic factors affecting father-infant attachment were compared with the attachment scale mean score, it was found that there was no statistically significant difference.

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