Factors Affecting Small and Medium-Sized Enterprises’ Accessibility to Institutional Finance in Pakistan: Moderating  Role of Government Support

Khaliq, Abubakar; Islam, Muhammad Saif Ul; Akram, Muhammad; Hussain, Aamir; Usman, Muhammad

doi:10.21621/sajms.2022161.06

Cited by 3 publications

(3 citation statements)

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“…Therefore, it is essential to look at how the government supports SMEs in the LLM. The findings of the study by Khaliq, Ul Islam, Akram, Hussain, and Usman (2022) showed that government policies and other initiatives successfully and effectively assist SMEs. However, the government and other stakeholders are not doing enough to support the SMEs in LLM.…”

Section: Introductionmentioning

confidence: 93%

Support from the government for SMEs in South Africa

Ramasimu,

Majadibodu,

Ladzani

2023

IJRBS

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This study intended to investigate how the Lephalale Local Municipality's small and medium companies (SMEs) are hampered by a lack of government support. This study also aims to demonstrate how SMEs face difficulties in surviving as a result of problems in the business environment. Consequently, the government of South Africa has programs to assist SMEs. The growth of SMEs is important for advancing innovation, wealth distribution, and employment. The majority of SMEs launch and maintain their businesses with their own money. By using a qualitative research approach and semi-structured in-person, phone, and email interviews to collect data, the goals of this study were met. There were 318 registered SMEs in the area. Using purposive sampling methods, data from operational enterprises with a lifespan of 0 to 5 years were gathered. Atlas TI 8 was used to evaluate the data. The primary conclusions of this study show that (i) small and medium-sized enterprises (SMEs) find it difficult to maintain their operations because they lack access to capital and business equipment. This fails if SMEs are not given the proper support. Because they lack the resources to compete with big companies, SMEs find it challenging. (ii) Small and medium-sized enterprises (SMEs) should think about enrolling in bookkeeping training and sending their staff to business training in order to network for the survival of the company. In order to assist SMEs in fulfilling the requirements for maintaining their enterprises, this study advises the government to examine present standards. With the right assistance, SMEs can create business plans and maintain operations, which will result in the creation of jobs, particularly for local communities. The government ought to think about mentoring and overseeing sponsored SMEs.

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Section: Introductionmentioning

confidence: 93%

Support from the government for SMEs in South Africa

Ramasimu,

Majadibodu,

Ladzani

2023

IJRBS

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“…The way a customer feels and views a product or service after using it is known as customer satisfaction. Based on an analysis of the existing research, it is possible that there are multiple customer satisfaction experiences because the dimensions and fundamental satisfaction findings are global rather than local Khaliq et al, 2022). It is often acknowledged that the quality of the products or services provided frequently determines how satisfied customers are (Shahzad et al, 2023).…”

Section: Introductionmentioning

confidence: 99%

The Impact of E-Banking on Customer Satisfaction in Pakistan

Hussain

2023

REAL

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This study presents the current status of E- banking in Pakistan and its effect towards the practice and also explains its impression on the customer satisfaction of the financial institutions. The main purpose of this study is to point out those outcomes which are measured to be the main players in raising the customer satisfaction in Pakistan. Using a qualitative research approach, this study collected primary data through interviews to describe the results of interviews conducted on the level of arrangement in the minds of the customers. In the previous years, many banks have initiated to proposal as well as to provide the customers and support their appearance as a friendly organization and to ease their customers whereas to allow them to do banking services without visiting the branches of the bank. Through this research, it has been perceived that customers who have taken the services are getting benefits however they feel a little bit uncomfortable after using e-banking banking services quality. Many of the customers have upraised the complaint that no services of utilities have been registered in E-Banking. Although customers have very much awareness but not in a very large scale. Awareness is very high among the customers which are using the services, but internet usage or mobile banking is a new technique and customers are hesitant to work easily within this new atmosphere. Electronic banking has many benefits in improving customer satisfaction like reduced frequency of bank visits, reduced waiting time for customers etc. It facilitates users to manage their bank account transactions and there is a great exposure for banking industry to increase these online services in Pakistan.

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“…On the other side, implementations of IT or apps handling specialist companies like the Decision Support System for Resource Planning (ERP) (DSS), the CRM, allow the enterprise to be more innovative and knowledgeable (Moshin et al, 2013). In this respect, different scholars, and business and IT experts consider that the SMEs managers and owners not only increase the competitiveness level of their business organizations but also reduce risk and insecurity regarding IJMRES 12(3) 2022, 166-176 the business environment as well as help the strategic planning (Dibrell & Miller, 2002;Khaliq et al, 2022). Moreover, all business practices of innovations should have the fundamental support for information technology and networking for small and medium-sized businesses to reach a higher degree of innovation (Dibrell, Davis & Craig, 2008;Nazar et al,2022;Hameed et al,2019;Arain et al,2019).…”

Section: Introductionmentioning

confidence: 99%

The Impact of Information, Communication Technology and Innovation on SMEs in Pakistan

Hussain

Islam

2022

IJMRES

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Information and communication technology plays an important role in developing innovation at the organization level, not only for big companies but also for micro, small and medium enterprises while also facilitating the growth and advancement of organizations. The aim of this study is to examine the impact of innovation on SMEs between information and communication technologies with a sample of 364 SMEs in Pakistan. The findings indicate that information and communication technology have a positive and significant effect on the innovation activities of small and medium-sized enterprises (SMEs) in Pakistan.

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Factors Affecting Small and Medium-Sized Enterprises’ Accessibility to Institutional Finance in Pakistan: Moderating Role of Government Support

Cited by 3 publications

References 0 publications

Support from the government for SMEs in South Africa

Support from the government for SMEs in South Africa

The Impact of E-Banking on Customer Satisfaction in Pakistan

The Impact of Information, Communication Technology and Innovation on SMEs in Pakistan

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