Integrated Journal of Business and Economics (IJBE)
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Microfinance Credit Accessibility and Financial Performance of Small and Medium Enterprises in Machakos County, Kenya
Get PDFSMEs in Machakos County have been characterized by poor financial performance which has been linked to financial access. Financial access is one of the keys that drive the development of SME in the country, particularly access to bank financing since banking sector plays a key role in serving this segment. This study specifically sought to determine the influence of collateral security, loan-income ratio and geographical branch penetration on financial performance of SMEs. Study adopted census survey due to small population size. Respondents were supplied with semi-structured questionnaires with aim of getting their views regarding financial accessibility and SME performance. Findings of the study indicated that collateral security, loan-income ratio, and geographical branch penetration has a significant positive effect on financial performance in Machakos County, Kenya. This research recommends that SME’s should improve their core capital, strengthen their financial management practices, foster financial innovation, and literacy within firms
EFFECTS OF EMPLOYEE MOTIVATION ON ORGANIZATIONAL PERFORMANCE AT ETHIOPIAN TELECOM SOUTH WEST REGION JIMMA
Get PDFThe study examined the effects of employee motivation on organization performance of crews in Ethio telecom South West Region Jimma. The data were collected through self-administered questionnaire from 229 respondents and 219 were returned. Both primary and secondary sources of data were consumed in this study. The quantitative research approach was implemented and simple random sampling technics were adopted to provide equal chances for respondents. The data were analyzed by SPSS version 20.0 using an exploratory research design and data was analyzed using correlation and regression analysis. The correlation analysis indicates that there was a positive relationship between the independent variables (employee motivation) and dependent variables (organization performance). The result of the regression implies that the independent variables (employee benefit, promotion, teamwork, training and working environment) have accounted for 78.1% of variance in the dependent variable. Based on the outcome of the study, the researchers recommend that, it is better if the company focuses on employee motivation factors, mostly Promotion, employee benefit, teamwork and training so as to improve its performance. Based on the outcome of the study, the researchers recommend that, it is better if the company focuses on employee motivation factors, mostly Promotion, employee benefit, teamwork and training improve its performance
Factors Influencing The Income Of Fishermen
Get PDFThe purpose of this research was to determine the variability of fishermen's incomes by looking at the effect of fishermen's experience, fishermen's education, and fisherman's working hours on income. The population of this research is fishermen in East Belitung Regency with a sample of 181 people and Central Bangka Regency as many as 57 people. The method is carried out through quantitative analysis using path analysis, with primary data in the form of interviews and questionnaires to fishermen. The results showed that the variables of fishermen's experience and working hours had a significant effect on the variability of fishermen's income, as evidenced by the probability of significance at 0,000 (below 0.05) and F-count, t-count is greater than F-table, t-table. While education is not a factor of variability in fishermen's income because the results of the F-count, t-count is smaller than the F-table, t-table. Future research should measure the variability of fishermen's incomes using variables of the level of fish production, the amount of credit or debit, side income, and poverty of fishermen, using Micmac and Mactor method
SWOT ANALYSIS FOR MARKETING STRATEGY OF TOURISM DESTINATION
Get PDFThe purpose of this study was to determine with SWOT analysis for the marketing strategy of tourism destination Mas Harun Bastari Lake, Mujerejo Village, Rejang Lebong Regency. SWOT analysis for as internal factor (Strengths,Weaknesses) and external factor (Opportunities, Threats). IFAS value in Table 1 shows that the value of Strength is 14.30 and Weaknesses is 4.81, this shows that Strength is greater than Weaknesses with a total score of 19.11 with stable strength which can further strengthen to attract public interest in visiting the Lake Mas Harun Bastari is sustainable. the EFAS calculation of Mas Harun Bastari Lake in Mujerejo Village, Rejang Lebong Regency, the Opportunity value is 1.31 and Treats is 1.08, this shows that the calculation on the Opportunity value is greater than Threats with a total score of 2.39. In the SWOT diagram the values for Strength and Weaknesses are at 9.49 and the meeting point for Opportinity and Threats is at 0.23. This research shows that are in quadrant 1, which supports aggressive strategies. Marketing strategy of tourism destination Mas Harun Bastari Lake, Mujerejo Village, Rejang Lebong Regency that can be done are renovating the lake area, adding facilities such as fishing locations and outbound equipment for visitors, placing security personnel in the lake area., giving permission to the community who will conduct activities on location, making agro tourism that can be enjoyed by visitors at the lake location, making a unique arrangement in the lake area, which differentiates it from other tourist attractions, providing comfort for visitors while in the lake area. Key words : Marketing Strategy, Tourism Destination, SWO
OVERVIEW OF VILLAGE FINANCIAL MANAGEMENT AND IMPLICATIONS FOR ACCOUNTABILITY
Get PDFThe purpose of this study was to test empirically the influence of the variable of village apparatus capability, organizational commitment, implementation of SISKEUDES and BPD supervision on village financial management. This study also aims to determine the effect of village financial management on accountability in Tanjung Pandan District, Belitung Regency. The data used in this study are primary data obtained from distributing questionnaires directly to members of Village institutions in Tanjung Pandan District which are related to village financial management, consisting of the Village Government, Village-Owned Enterprises (BUMDesa) and Community Empowerment Institutions (LPM). The research sample was determined by the saturated sampling method (census) totaling 140 people. Statistical analysis used the SmartPLS version 3.2.8 program with the PLS-PM (Path Modeling) structural equation model. The results showed that the capability of the village apparatus had no significant positive effect on village financial management. Organizational commitment has a significant positive effect on village financial management, the implementation of SISKEUDES has a significant positive effect on village financial management and BPD supervision has a significant positive effect on village financial management. In addition, the research results also show that village financial management has a significant positive effect on accountability
Trust and Perceived Risk toward Actual Online Purchasing: Online Purchasing Intention as Mediating Variable
Get PDFThis research aims to test the influence of trust and perceived risk on Actual Online Purchasing (AOP) either directly or through Online Purchase Intention (OPI) as a mediating variable. Purposive Random Sampling used in this research with 100 respondents who have searched product through the E-Commerce website (B2C & C2C). This research uses Structural Equation Modelling (SEM) model with SmartPLS 3 program. The results of the test showed that Security practice and Privacy Concern have a negative effect on Perceived Risk, which subsequently Perceived Risk has a negative effect on OPI. However, OPI has no significant effect on AOP. Between the two of trust antecedents, the EWOM and Perceived Reputation only Perceived Reputation has a significant influence on the Trust. From the four constructs in this study (AOP, OPI, Trust and Perceived Risk), the Trust Model is the most powerful predictive model compared to other models such as Perceived Risk, OPI, and AOP
Indonesia’s Civil Servants' Performance at Aviation Engineering: Exploration Study
Get PDFThis research was conducted with the aim of analyzing the relationship of performance allowances in optimizing the performance of Civil Service Civil Engineering Institute. The method used in this study is a qualitative research method. Sampling or data sources in this study were conducted purposively and for the sample size determined by snowball, interviewing techniques, data analysis using interpretive models and research results emphasizing the meaning of generalization. The results of this study indicate that each flight engineer has a workload of each. The workload is made by each employee based on job descriptions which are then outlined in the form of Employee Work Objectives (KPI). The development of achievement of KPI is one aspect in the Employee Job Achievement component, which is a reference in providing employee performance benefits, in addition to assessing the employee work discipline component. The granting of performance benefits has met the principles of fairness, fair and reasonable, competitive and transparent. Of the several motivations received by employees, performance allowances are considered the most effective to be given because by providing performance benefits employees have the ability to meet more needs, as evidenced by the desire of employees to try to carry out work optimally through efforts to achieve work performance and work discipline. Employees try to carry out the workload contained in the KPI well, carry out at least 2 additional tasks and make timely reports.
Customers’ behavior intension regarding online shopping of general product and insecticide in Thailand
Get PDFThe global market of insecticide products is expected to garner around 16.7 Billion US by 2020, registering a CAGR of 5.0% during the forecast period 2014 to 2020. Companies are operating in this market focus on product launches as part of their growth strategy. As the retail sales of global e-commerce have continuously grown, e-commerce has gained the large share from physical retail over the last decade derived from the impact of greater internet access and technology development that make online shopping easier and more convenience. The research analyzes data of customer behavior intention by parallel compare impact of the data from general product and insecticide product. In analyzing data, single Linear Regression and multiple linear regression were employed to investigate the impact and difference between dependent and independent variable. The 400 respondents who are using online application and have online shopping experience were implied to investigate the factors that have intention to decision on purchase product via online channel in this research. The results have been interpreted that people have more concern on purchase of insecticide online in product attitude, customer service, purchase and delivery, and promotion of insecticide. This study concept and valid the customer behavior toward insecticide product for set strategy of the insecticide in online market
Does Volatility Generate Major and Minor Stocks in Saudi Stocks Market?
Get PDFThis study attempts to answer the main question: are there reciprocal effects between the variances of the stock returns in the Saudi market, also the answer to a sub-question. What are the leading stocks in the Saudi market?. Study selected a sample of five stocks representing the basic materials, banking, services, food and transport sectors (SABIC, Al Rajhi, Etisalat, Almarai and Al Bahri respectively). The data sample for the period from 2011 to 2016 is taken, which represents the lifespan of the five-year plan. Daily stock returns were calculated during this period. Study applies the M GARCH-VEC methodology to estimate stock return variances and then perform a multiple regression of five equations using the ARCH Heteroscedasticity estimator. Results of the analysis show a positive effect between stock return variances as well as a positive automatic variance of all stocks returns variances. Finally, the results of the regression analysis of the various equations show that the returns variances of SABIC and Al Rajhi stocks have a dominant impact on the rest of the stock's returns. So they are considered as leading stocks in the market. While the variances returns of Etisalat, Almarai and Al Bahri have a limited impact on the rest of the stocks variances returns, so they are considered as minor stock
Satisfactory Analysis of Training Program at Indonesian Railway Company: An Importance-Performance Analysis Approach
Get PDFTraining is an activity that has an important role for human resources in order to increase knowledge and skills both for human resources who are preparing to enter the workforce, also for human resources who have worked so that their capabilities are always maintained in order to secure existence or to career advancement. From this research, we try to analyze the gap between perceptions and expectations of the training program in from the perspectives of the participants. The population of this study are 61 employees of PT Kereta Api Indonesia (Indonesian Railway Company) who were training participants at the Operations and Marketing Training Center. We analyzed the data by applying the Importance Performance Analysis (IPA) method. Based on the results of the research and descriptive analysis of the services received, the satisfaction of the operational training program is quite satisfying but there is still a difference between reality and employee expectations