Search Results - subject_exact:"KMU"

Modelling entrepreneurial passion, self-leadership and resilience as drivers of innovative behaviour among SMEs : a social cognitive theory perspective from Indonesia

Herijanto, Pudji; Fiernaningsih, Nilawati; Widayani, Anna - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625091

Entrepreneurial coaching and self-efficacy as catalysts for business growth among women entrepreneurs in Gauteng, South Africa

Molema, Mahalia Lerato; Ebewo, Patrick Ebong; Ndlovu, … - 2026

Entrepreneurship aims to contribute significantly to economic development, a trend that has been progressively growing over time. Nonetheless, female entrepreneurs continue to face substantial challenges, including limited access to financial resources and sociocultural barriers. The influence...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625316

Empowering green transformation : the strategic nexus of innovation, regulation, and sustainability in Chinese SMEs

Javed, Hasnain; Goncalves, Marcus; Ali, Hoorulanne - 2026

Growing pressure for sustainability has intensified the need for small- and medium-sized enterprises (SMEs) to adopt environmental innovation while maintaining competitive performance. This study examines how green innovation strategy, environmental regulations, and green absorptive capacity...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625793

Digital infrastructure, SME e-commerce, and economic growth : evidence from China's platform economy

Hao, Tengyue; Rasiah, Rajah; Mustafa, Sohaib - 2026

Digitalization is increasingly central to economic growth strategies, yet robust macro-level evidence on the role of SME-led e-commerce remains limited. Drawing on the Resource-Based View, this study examines how SME digitalization, internet finance, and platform-based activities influence...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626054

Unlocking inclusive growth : the mediating role of e-commerce in MSME digitalization for economic development and SDGs' achievement in Jambi Province, Indonesia

Anggraeni, Lidya; Zulgani; Hodijah, Siti; Umiyati, Etik - 2026

Although Micro, Small and Medium Enterprises (MSMEs) are the backbone of economic activity and inclusive growth in Indonesia, and recent data from Jambi Province reveal a disconnect between robust post-pandemic recovery and meaningful poverty reduction. While regional GDP climbed from 0.99% to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626081

Building trust : evidence from small business financing in Indonesia

Wijaya, Ibrahim Fatwa; Widjajanto, Anis; Prabowo, M. Agung - 2026

We discuss the trust-building process as well as trust violation and distrust in financing for small businesses at Islamic and conventional banks, a topic that receives little attention in the literature. We interview managers of Islamic and conventional banks in Indonesia. We find that the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626620

Enabling entrepreneurial breakthroughs : the synergistic role of social capital, dynamic capabilities and innovative thinking

Pal, Abhinav; Gupta, Kanishka; Gaur, Dolly; Tiwari, … - 2026

Given the unique challenges facing entrepreneurs and firms in Oman stemming from resource constraints and changing institutional frameworks, this study aims to explain how social capital can help improve entrepreneurial business performance, with the contribution of dynamic abilities, innovative...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626623

From adoption to accountability : a 1997-2024 bibliometric cartography of ICT in SMEs with accounting & sustainability overlays

Dinanti, Aldila; Januarti, Indira; Handayani, Rr. Sri - 2026

This study investigates the performance and science mapping of ICT adoption in SMEs through a bibliometric analysis of Scopus-indexed publications. We examine how the ICT-in-SMEs literature evolved over 1997-2024 and where accounting and sustainability themes are situated within that corpus....

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626631

Does competitive pressures affect the Indian SMEs industry 4.O adoption : using quantile regression analysis

Kanoujiya, Jagjeevan; Agarwal, Bhakti; Rastogi, Shailesh; … - 2026

this paper explored the impact of market competition on the industry 4. O (I4.O) technology adoption in Indian small and medium sized enterprises (SMEs). The research seeks to explore the competitive pressure between SMEs firms always influence digital changes with different technological...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626658

Can supply chain sustainability enhance the sustainable performance of SMEs? : a triple bottom line approach

López, Cristina; Ruiz-Benítez, Rocío; Herrero, Inés - 2026

The prior literature has predominantly emphasized the role of large firms exerting coercive power within supply chains to enhance sustainability outcomes. However, small and medium-sized enterprises (SMEs) often experience a reverse dynamic in which external pressures from supply chain agents...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015627301

Do State SME Programs Work? Evidence from Loan Subsidies and Credit Guarantees in Kazakhstan

Melecky, Martin; Bizhan, Asset; Jambal, Ganbaatar; Ruiz … - 2026

This paper evaluates the employment and sales effects of two widely used financial support instruments for small and medium-sized enterprises, interest rate subsidies and credit guarantees, using administrative program data from Kazakhstan matched to the universe of firms. Utilizing staggered...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628264

A Conceptual framework for driving digital transformation in Japanese SMEs : integrating dynamic capabilities and service-dominant logic

Yamamoto, Takashi; Toyama, Ryoko; Uchihira, Naoshi; … - 2026

This study examines how digital transformation (DX) unfolds in Small and Medium-sized Enterprises (SMEs) through an analytical integration of dynamic capabilities (DCs) and service-dominant logic (SDL). While DX research is abundant, existing studies tend to discuss internal organizational...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628662

From connectivity to continuity : the power of cashless mobile access and experience in micro and small businesses in fragile contexts

Alshebami, Ali Saleh - 2026

This study investigates the influence of access to mobile cashless technology on enterprise continuity intention and cash flow management skills. It also explores the influence of cashless technology, knowledge, and experience on enterprise continuity intention and cash flow management skills,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628740

Cost of credit, digital finance and bank capital : implications for MSME lending and performance in Kenya

Tiriongo, Samuel; Mulindi, Hillary; Nyagaka, Hesborn; … - 2026

The study examines how cost of credit, digital finance and bank capital shape MSME lending and performance in Kenya. Using FinAccess 2024 microdata and bank-level panel data (2011-2024), we estimate a control-function Probit, Mundlak Random Effects Logit and System-GMM model. Results show that...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632481

MSME partial credit guarantees in Kenya : what 28.000 loans reveal about risk and pricing

Ochenge, Rogers - 2026

Partial Credit Guarantees (PCGs) are central to MSME finance, yet their pricing impact is uneven. Using loan-level evidence from 28,356 guaranteed MSME loans issued in Kenya between 2013 and 2024, this paper examines whether PCGs reduce defaults and borrowing costs, and separately benchmarks...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632483

Credit guarantee schemes and MSME financing in Kenya : a firm - level analysis

Muli, Anthony; Ndwiga, David; Agung, Raphael; Njoroge, … - 2026

The study seeks to examine the effects of credit guarantee schemes on Micro, Small and Medium-sized Enterprises (MSME) lending. Specifically, the paper examined the performance of a specified credit guarantee scheme, effect of the credit guarantee scheme on MSME loan default probability and how...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632484

Unlocking MSME credit : sector specific insights from kenya

Kimani, Stephanie - 2026

This study investigates the sector-specific determinants of MSME credit in Kenya across three dominant sectors-real estate, trade, and transport & communication-that collectively account for nearly 70% of bank MSME lending. Using quarterly data from 2012 to 2024, we apply sectoral Autoregressive...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632512

Commercial banks ESG integration and MSMEs support : evidence from Kenya

Ndwiga, David - 2026

The paper examines the effects of commercial banks' adoption of Environmental, Social and Governance practices on Micro, Small and Medium-sized Enterprises support in Kenya. The study is underpinned on the growing demand for sustainable financing by entreprises in the wake of need for...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632521

Bridging the financial gap in MSME financing in Kenya

Wairimu, Salome; Kiragu, Doris - 2026

Micro, small and medium enterprises (MSMEs) are critical drivers towards the growth of the economy and contribute largely towards poverty eradication and employment. In Kenya, the MSME sector contributes to 40% of GDP, and employs approximately 14.9 million. Yet, this sector continues to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632531

Towards a framework for sustainable bank financing of SMEs in Kenya

Kodongo, Odongo - 2026

Data from the Central Bank of Kenya show that, in the 12 months to December 2024, the banking sector generated approximately 35.3% of its overall lendingrelated income from the MSME sector, almost half of which was from small and microenterprises (SMEs). During the same period, banks and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632543

Discouraged borrowers and access to finance : evidence from Kenyan SMEs

Cheruiyot, Josea K. - 2026

This paper examines the incidence and determinants of credit rationing and borrower discouragement among Kenyan SMEs using firmlevel data from the 2018 World Bank Enterprise Survey. Only about onequarter of firms report no financing obstacles, while the majority face constraints of varying...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632547

A climate stress testing exercise on loans to European small and medium enterprises

Chen, Yujia; Ding, Zhenghong; Barbaglia, Luca; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632732

Show one more version 1

A climate stress testing exercise on loans to European small and medium enterprises

Chen, Yujia; Ding, Zhenghong; Barbaglia, Luca; … - 2025

Book / Working Paper

Nature-adjusted probability of default for European small and medium enterprises

Valente, Fernanda; Chen, Yujia; Calabrese, Raffaella; … - 2026

Small and Medium-sized Enterprises (SMEs) are the backbone of the European economy. However, the impact of nature-related risks on SME creditworthiness is still largely unexplored. To address this gap, we incorporate indicators of nature-related risks - namely the Biodiversity Intactness Index,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632881

Innovative credit scoring and sales accounting solutions for SMEs in Kazakhstan

Zakariya, Gulnaz; Akylbekov, Olzhas; Moldagulova, Aiman; … - 2026

This paper examines the combination of traditional banking credit assessment techniques with contemporary internal sales accounting systems in Kazakhstan, aiming to augment the precision and resilience of financial assessments pertaining to SMEs. The proposed model consists of two discrete...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633512

Cultural logics and selective digitalization : rethinking innovation diffusion through collective governance in craft-based SMEs

Ni Putu Ari Krismajayanti; Sri Darma; Mahyuni, Luh Putu; … - 2026

This study rethinks innovation diffusion in craft-based small and medium-sized enterprises (SMEs) by examining how cultural logics and collective governance shape selective digitalization. Drawing on a qualitative case of Ata handicraft SMEs in Bali, Indonesia, the study analyzes in-depth...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633649

Entrepreneurial leadership in small-Scale smart city transformations

Guzovski, Marina; Smoljić, Mirko; Čolić, Marijana - 2026

Background: The smart city concept has become a central framework in contemporary urban governance; however, empirical research predominantly focuses on large metropolitan areas, while small municipalities remain comparatively underexplored. This study examines how citizens of Ivanić-Grad...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633651

Resilience and risk tolerance of small entrepreneurs in the Brazilian Northeast

Lima, Joyce Silva Soares de; Nobre, Liana Holanda Nepomuceno - 2026

This study examines the relationship between financial risk tolerance and organizational resilience among small business managers in the Brazilian Northeast, a region strongly affected by economic fragility and intensified uncertainty during and after the COVID-19 pandemic. Using a positivist,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633660

Agile4ALL - implementation of an agile HR pilot in a tourism SME in Algarve

Bento, Diogo Emanuel Matias; Contreiras, Joaquim Pinto; … - 2026

This human resources management project was carried out by the University of the Algarve to apply an innovative vision of agile practices to the hospitality and tourism sector. Recently, agile human resources have attracted increasing interest among professionals. Starting with the Agile...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633803

The impact of pricing strategies on the growth and sustainability of small and medium enterprises : empirical evidence from South Africa

Ndwandwe, Nothemba Hope; Khoza, Floyd - 2026

This study investigated the impact of pricing strategies on the growth and sustainability of small and medium enterprises (SMEs). The study employed a quantitative research approach and sampled 132 SMEs operating in a municipality in South Africa. A self-administered, closed-ended questionnaire...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633856

Set-aside auctions and small businesses' participation in public procurement : an empirical analysis

Shagbazian, Gegam; Valbonesi, Paola; Tkachenko, Andrey; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633860

Social strategies for business success : the key role of social networks in SMEs

Capoani, Luigi; Martini, Piergiorgio; Izzo, Andrea; … - 2026

This study aims to explore the relationship between a company manager's activities and their impact on business performance. Networking is considered a worthy factor in professional and organizational success, providing access to important research, industry insights and future partnerships....

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633964

AI-driven bankruptcy prediction in manufacturing SMEs : comparing machine learning techniques with logistic regression

Letkovský, Stanislav; Jenčová, Sylvia; … - 2026

Bankruptcy prediction is currently a widely researched topic, as it typically results from a chain of negative events. Logistic Regression (LR) is one of the standard prediction tools; however, with advances in technology, machine learning (ML) methods are gaining prominence and demonstrating...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015634019

Management of strategic alliances in Portuguese service-based SMEs : exploring the role of dynamic capabilities in developing innovation capabilities

Cruz, Flávia Soares; Tavares, Fernando Oliveira - 2026

Strategic alliances have assumed a pivotal role in the growth and competitiveness of organisations, especially in contexts of rapid technological change and high environmental complexity. Drawing on the Dynamic Capabilities View (DCV), this study aims to analyse the impact of strategic alliance...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015634047

Interpretable multi-model framework for early warning of SME loan delinquency

Akhmetova, Ardak; Shayakhmetova, Assem; Abdurakhmanov, … - 2026

The rapid expansion of small and medium enterprise (SME) lending has intensified the need for accurate and interpretable credit risk forecasting. Financial institutions must anticipate potential business loan delinquency to maintain portfolio stability and meet regulatory standards. This study...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015614113

Who's afraid of the minimum wage? : measuring the impacts on independent businesses using matched U.S. tax returns

Rao, Nirupama L; Risch, Max - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015614149

Exiting Unawareness of Kohsetsushi among SMEs in Japan

Fukugawa, Nobuya - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015614215