Dynamic behaviour model : a sustainable SMEs development

• Autorzy: Aspiranti Tasya , Amaliah Ima , Mafruhat Ade Yunita , Kasim Raja Suzana Raja

Identyfikatory

DOI

10.17512/pjms.2020.22.1.04

Warianty tytułu

PL

Model dynamicznego zachowania : zrównoważony rozwój MŚP

• Języki publikacji: EN

Abstrakty

EN

Microfinance Institutions (MFIs) are a mainstay in developing countries to overcome poverty problems through Small and Medium-sized Enterprises (SMEs) funding. The various studies that have been done are still very limited on sustainable SMEs funding due to SMEs various obstacles. Microfinance Institutions are the most compatible institutions to fund SMEs because they have complementary characteristics. This study aims to build a sustainable SMEs financing model to develop SMEs and MFIs. The dynamic system is used as a data analysis tool, involving three main actors in the behavior model, namely Third Parties as Funders (TPF), MFIs and SMEs with the data year 2018 scenario. Sensitivity and optimization of SMEs funding policies show that several prerequisites must be met for SMEs financing to be optimal: a) A stable level of Financing to Deposit Ratio (FDR) and sufficient investment capital to make a sustainable circulation of funds. The FDR must be kept above the 60% minimum range. b). The Non-Performing Financing (NPF) level must be maintained at a maximum of 5 percent; FDR must be above 60% to convert savings into financing to be eight months; The share of financing for SMEs is increased by 80 percent.

PL

Instytucje mikrofinansowe (MIF) są w krajach rozwijających się podstawą przezwyciężania problemów ubóstwa dzięki finansowaniu małych i średnich przedsiębiorstw (MŚP). Różne przeprowadzone badania są nadal bardzo ograniczone w zakresie zrównoważonego finansowania MŚP ze względu na różne przeszkody w MŚP. Instytucje mikrofinansowe są instytucjami najbardziej kompatybilnymi z finansowaniem MŚP, ponieważ mają uzupełniające się cechy. Niniejsze badanie ma na celu zbudowanie trwałego modelu finansowania MŚP w celu rozwoju MŚP i MIF. System dynamiczny jest używany jako narzędzie do analizy danych, z udziałem trzech głównych aktorów modelu zachowania, a mianowicie stron trzecich jako podmiotów finansujących (TPF), MIF i MŚP w scenariuszu z 2018 r. Wrażliwość i optymalizacja polityki finansowania MŚP pokazują, że aby finansowanie MŚP było optymalne, musi być spełnionych kilka warunków wstępnych: a) Stabilny poziom wskaźnika finansowania do depozytu (FDR) i wystarczający kapitał inwestycyjny, aby zapewnić zrównoważony obieg środków. FDR należy utrzymywać powyżej 60% zakresu minimalnego. b). Poziom finansowania zagrożonego (NPF) musi być utrzymany na maksymalnie 5 procentach; FDR musi przekraczać 60%, aby przekształcić oszczędności w finansowanie na osiem miesięcy; Udział finansowania MŚP wzrasta o 80 procent.

Słowa kluczowe

EN

dynamic system; SMEs; MFIs; sustainable development

PL

system dynamiczny; MŚP; MFI; rozwój zrównoważony

• Wydawca: Czestochowa University of Technology
• Czasopismo: Polish Journal of Management Studies
• Rocznik: 2020
• Tom: Vol. 22, No. 1
• Strony: 57--73
• Opis fizyczny: Bibliogr. 38 poz., rys.

Twórcy

autor

Aspiranti Tasya

• Indonesia, Bandung Islamic University, Faculty of Economic and Bussiness, Management Department

autor

Amaliah Ima

• Indonesia, Bandung Islamic University, Faculty of Economic and Bussiness, Economic Development Department

autor

Mafruhat Ade Yunita

• Indonesia, Bandung Islamic University, Faculty of Economic and Bussiness, Economic Development Department

autor

Kasim Raja Suzana Raja

• Malaysia, University of Malaysia Kelantan, Faculty of Enterpreneurship and Bussiness

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Uwagi

Opracowanie rekordu ze środków MNiSW, umowa Nr 461252 w ramach programu "Społeczna odpowiedzialność nauki" - moduł: Popularyzacja nauki i promocja sportu (2021).