Small and Medium Enterprises Across the Globe

Ayyagari, Meghana; Beck, Thorsten; Demirgüç-Kunt, Aslı

doi:10.1007/s11187-006-9002-5

Cited by 744 publications

(433 citation statements)

References 24 publications

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“…It has been estimated that SMEs account for over 60% of GDP and over 70% of total employment in low-income countries, while contributing over 95% of total employment and about 70% of GDP in middle-income countries (Ayyagari, et al, 2003). SME's are expected to drive economic development.…”

Section: Sme Financing Gapmentioning

confidence: 99%

Secure property right as a determinant of SME’s access to formal credit in Ghana: dynamics between Micro-finance Institutions and Universal Banks

Domeher

Abdulai

Yeboah

2016

Journal of Property Research

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Does registered land title help to improve tenure security and enhance one's chances of securing a loan from formal financial institutions? This question continues to sharply divide opinions among academics, policy makers and international development partners. The long running debate on the subject of 'Property in the Commons', which serves as the ideological origin of what has become known as 'Washington Consensus' in contemporary times claims that there is positive correlation between the possession of registered land title and access to credit. However, this has often received considerable rebuttals. Even if the 'Washington Consensus' is accepted, the argument is still laced with some fundamental difficulty because it inherently assumes and treats financial institutions as a homogenous class of business. Yet financial institutions exhibit greater diversity in their operations and decision making process. This paper attempts to contribute towards developing improved understanding between the 'secure land title and access to credit relationship' by disaggregating financial institutions into Micro Finance and UniversalBanks and examining what role secure land title play in granting credit from the perspectives of these two categories of financial institutions. To achieve this, field level investigations were conducted amongst officials of both Microfinance Institutions (MFIs) and Universal Banks in Ghana using structured questionnaires. A total of 200 questionnaires -100 each to MFI and Universal Banks were administered of which a response rate of 51 and 57 was respectively achieved. The data was analysed using various non-parametric statistics. The study amongst other things established that universal banks and MFIs differ in their opinions on how important secure titles are in the lending process and the nature of the influence they can exert on the final lending decision. It was established that both categories of lenders do regard secure titles as important but whether or not it will influence their decision to accept a given landed property as collateral varies across lender types.

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Section: Sme Financing Gapmentioning

confidence: 99%

Secure property right as a determinant of SME’s access to formal credit in Ghana: dynamics between Micro-finance Institutions and Universal Banks

Domeher

Abdulai

Yeboah

2016

Journal of Property Research

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“…Furthermore, SMEs constitute the majority of enterprises in developing countries and are considered as one of the most important factors in economic and social growth, employment, local development [4] and poverty reduction [5]. Considering the growing importance of the SMEs, many researchers have focused on the issues related to its development and it has therefore become the main topic for a number of analyses.…”

Section: Introductionmentioning

confidence: 99%

Factors Influencing Sustainable Entrepreneurship in Small and Medium-Sized Enterprises in Iran: A Case Study of Food Industry

Hosseininia

Ramezani

2016

Sustainability

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Abstract:This study sought to establish the social and environmental factors that influence sustainable entrepreneurship (SE) in Small-and medium-sized enterprises (SMEs). It also attempted to identify whether the demographic background of the entrepreneur influences the SE in SMEs of the Iranian food industry. A mixed method approach, employing the use of questionnaires and interviews from a sample size of approximately 130 participants and 12 owner-managers of SMEs in food industry, was used to collect data. Data were analyzed using descriptive statistics and several inferential analyses. Findings showed that certain characteristics of the entrepreneur, including work experience and education, have a significant impact on SE. Furthermore, out of the eight identified factors, according to the participants' perception, the most important factors towards sustainable performance of SMEs in food industry are social factors, including customer orientation, as well as human resources and environmental factors, including recycling and the future of Earth. This research paper concludes that considering the social and environmental aspects of sustainability and employing experienced staff would majorly contribute to the pursuit of SE in SMEs of food industry.

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“…Moreover, while SMEs are sparse among transition countries, in the remaining developing countries, they account for most of the private sector and almost half of total employment. (Ayyagari et al (2007).…”

Section: The Importance Of Small and Medium-sized Enterprises (Smes)mentioning

confidence: 99%

Government Policies and Micro Lending in Emerging Markets

Lash

Batavia

2016

Review of Economic and Business Studies

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Small and Medium Enterprises Across the Globe

Abstract: Small and Medium Enterprises, L11, L25, L26, O17,

Cited by 744 publications

References 24 publications

Secure property right as a determinant of SME’s access to formal credit in Ghana: dynamics between Micro-finance Institutions and Universal Banks

Secure property right as a determinant of SME’s access to formal credit in Ghana: dynamics between Micro-finance Institutions and Universal Banks

Factors Influencing Sustainable Entrepreneurship in Small and Medium-Sized Enterprises in Iran: A Case Study of Food Industry

Government Policies and Micro Lending in Emerging Markets

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