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Model Peningkatan Kinerja Keuangan Usaha Kecil dan Menengah Berbasis Literasi Keuangan
Usaha kecil dan menengah (UKM) menjadi salah satu motor penggerak ekonomi negara. UKM merupakan sumber terpenting dalam mengurangi kemiskinan, meningkatkan pertumbuhan ekonomi nasional, sumber tenaga kerja, hingga peningkatan status sosial. Lebih jauh, UKM lantas menjadi sangat dominan dalam perekonomian yang ada di suatu negara. UKM di Indonesia sendiri berperan sebagai sumber pendapatan primer dan sekunder bagi banyak rumah tangga. Lantas, terdapat hubungan yang sangat erat antara literasi finansial dan kinerja keuangan UKM. Penelitian bahkan menunjukkan bahwa pengetahuan keuangan, pengaruh keuangan, dan perilaku keuangan berdampak secara positif pada kinerja perusahaan. Akan tetapi, sikap...
ETIKA BISNIS
Buku "Etika Bisnis" membahas tentang pentingnya nilai-nilai etika dalam dunia bisnis. Buku ini membahas bagaimana sebuah organisasi dapat beroperasi dengan mengedepankan prinsip-prinsip etika dalam aktivitasnya, serta bagaimana nilai-nilai etika ini dapat membantu organisasi dalam mencapai tujuan bisnisnya. Buku ini membahas tentang konsep dasar etika bisnis, termasuk tanggung jawab sosial perusahaan, keterbukaan, integritas, dan penghormatan terhadap hak asasi manusia. Buku ini juga membahas tentang bagaimana organisasi dapat mengimplementasikan nilai-nilai etika dalam berbagai aspek operasionalnya, seperti pemasaran, produksi, dan keuangan. Buku ini cocok untuk para praktisi, akademisi, dan mahasiswa yang tertarik dalam bidang etika bisnis. Buku ini juga berguna bagi para profesional yang ingin memperdalam pemahaman tentang konsep-konsep dasar etika bisnis dan bagaimana nilai-nilai ini dapat diterapkan dalam praktik bisnis sehari-hari.
Crowdfunding: Overview of the Industry, Regulation and Role of Crowdfunding in the Venture Startup
This book aims to take stock and systemize existing knowledge on crowdfunding while providing overview of the industry, its regulatory environment and advancing the insight into the role of crowdfunding in the startup lifecycle. It is adopting an exploratory and phenomenon-based approach which is deemed appropriate when investigating rather new phenomena. Furthermore, the research combines survey and interview methodologies to assess the opinion and real-world behavior of different stakeholders in crowdfunding marketplace and identify gaps requiring further academic consideration. Empirical data was gathered using multiple interactive web-based questionnaires distributed to different stakeho...
Sustainable Supply Chain Management
It is commonly recognized that logistics has become a major strategic issue for all companies, whether they are part of the primary, secondary or tertiary sector. Faced with the external pressures of globalization and competition, logistics optimizes processes and reduces production and delivery cycles. The use of Sustainable Supply Chain Management (SuSCM) is now increasingly at the center of thought, due to the numerous factors favoring its implementation: requests from various stakeholders, governmental pressures (decrees, laws, regulations, etc.), environmental pressures (pollution, disappearance of fuel fossils, etc.) and societal pressures (reputation/image, protection, etc.). However,...
Nonperforming Loans in Sub-Saharan Africa
"This paper investigates the leading causes of nonperforming loans during the economic and banking crises that affected a large number of countries in Sub-Saharan Africa in the 1990s. Empirical analysis shows a dramatic increase in these loans and extremely high credit risk, with significant differences between the CFA and non-CFA countries, and substantially higher financial costs for the latter sub-panel of countries. The results also highlight a strong causality between these loans and economic growth, real exchange rate appreciation, the real interest rate, net interest margins, and interbank loans consistent with the causality and econometric analysis, which reveal the significance of m...
The Basic Analytics of Access to Financial Services
Access to financial services, or rather the lack thereof, is often indiscriminately decried as a problem in many developing countries. The authors argue that the "problem of access" should rather be analyzed by identifying different demand and supply constraints. They use the concept of an access possibilities frontier, drawn for a given set of state variables, to distinguish between cases where a financial system settles below the constrained optimum, cases where this constrained optimum is too low, and-in credit services-cases where the observed outcome is excessively high. They distinguish between payment and savings services and fixed intermediation costs, on the one hand, and lending se...
The Economics of Microfinance
An assessment of "the microfinance revolution" from an economics perspective that draws on lessons from academia and international practice to challenge conventional assumptions.
Contemporary Challenges in Business and Life Sciences
The motivation of this book is the need for understanding the new challenges in business world, commercial or social organizations have to face some challenges such as compe- tition, economic burden, innovation, change, ethics, customer loyalty, satisfaction and so- cial responsibility. These modern challenges bring new opportunities for any organization, besides some threats. The most important way to become a developed country is to have a competitive industry in today’s global world. The other issue is also an innovation which is es- pecially considered by commercial organizations. They are finding innovative ways of making their existence in the world. On the other hand, change is an i...
