Barriers Faced By Micro, Small And Medium Enterprises In Raising Finance

Worldwide, Micro, Small and Medium Enterprises (MSMEs) have been accepted as an engine of economic growth and for promoting equitable development. In developing countries including India, Micro, Small and Medium Enterprises sector constitute an important part in its development. In spite of this importance, this sector face number of constraints like absence of adequate and timely supply of bank finance, difficulties in procuring raw materials, marketing and distribution challenges and non availability of suitable technology. Review of literature found that there exists problem in accessing finance from banks and financial institutions and this problem may differ from region to region, between sectors, or between individual enterprises within a sector. This paper tries to identify the various barriers faced by these units in raising finance and also try to identify the various sources of finance other than banks. The study is based upon the primary data collected from the 200 MSMEs owners in Kozhikode District of Kerala. The data has been analysed with the help of percentage. The study attempts to submit some recommendations to enhance the overall credit accessibility to MSMEs sector

Productividad, innovación y uso de tecnologías de información y las comunicaciones (tic) como factores de desarrollo de la micro, pequeña y mediana empresa (mipyme) en Bogotá.

Las TIC han impactado en el funcionamiento de las organizaciones y han aportado a su proceso evolutivo, generando diversos efectos de acuerdo a la función que estas cumplen dentro de la organización. Las TIC como consecuencia se convierten en una estrategia de gestión en un entorno complejo donde permiten alcanzar mejoras en la organización social, la actividad económica, el bienestar y el acceso a la información y el conocimiento. (Cáceres Carrasco & Aceytuno Pérez, 2008)Con el fin de entender los beneficios de las TIC, se deben brindar a los directores herramientas que permitan formular modelos de negocios efectivos de cara a los mercados y enfocadas a la satisfacción de los clientes. Adicionalmente, para las organizaciones el añadir valor, no sólo hace referencia al servicio que están prestando; hay otros factores diferentes al uso de herramientas TIC y la innovación que también son igual de importantes como: los procesos de apoyo, de gestión que se encuentran de fondo y que hacen posible brindar un servicio al mercado, en estos procesos se encuentran aplicaciones de procedimientos amigables y fáciles de articular, temas como la responsabilidad empresarial, relación y comunicación con competidores dentro del mismo sector, es justamente en las relaciones con los clientes, que las TIC y el uso de Internet puede tener incidencia en los modelos de negocios a través de actividades como el comercio electrónico, el mercadeo electrónico, el mercadeo en línea entre otros. Existen investigaciones acerca de estos temas: innovación, TI, pero no se han establecido relaciones entre ellos, debido a su novedad. Diferentes experiencias laborales de los investigadores en el uso de las TIC como herramienta en la organización de información permiten que surja la idea de llevar a cabo este proyecto abarcando la realidad bogotana de las MiPyme. La presente investigación con un enfoque cualitativo hace una revisión bibliográfica, y bajo la mirada teórica se analiza la relación que tienen los factores de desarrollo que se evidenciaron como son la innovación y el uso de herramientas TIC, como variables dependientes de la productividad de las MiPyme en Bogotá, Colombia, involucrando temas que se relacionan con distintos campos como la tecnología, políticas gubernamentales, y economía.

Zirconia-based dental crown to support a removable partial denture: a three-dimensional finite element analysis using contact elements and micro-CT data

Veneer fracture is the most common complication in zirconia-based restorations. The aim of this study was to evaluate the mechanical behavior of a zirconia-based crown in a lower canine tooth supporting removable partial denture (RPD) prosthesis, varying the bond quality of the veneer/coping interface. Microtomography (μCT) data of an extracted left lower canine were used to build the finite element model (M) varying the core material (gold core - MAu; zirconia core - MZi) and the quality of the veneer/core interface (complete bonded - MZi; incomplete bonded - MZi-NL). The incomplete bonding condition was only applied for zirconia coping by using contact elements (Target/Contact) with 0.3 frictional coefficients. Stress fields were obtained using Ansys Workbench 10.0. The loading condition (L = 1 N) was vertically applied at the base of the RPD prosthesis metallic support towards the dental apex. Maximum principal (σmax) and von Mises equivalent (σvM) stresses were obtained. The σmax (MPa) for the bonded condition was similar between gold and zirconia cores (MAu, 0.42; MZi, 0.40). The incomplete bonded condition (MZi-NL) raised σmax in the veneer up to 800% (3.23 MPa) in contrast to the bonded condition. The peak of σvM increased up to 270% in the MZi-NL. The incomplete bond condition increasing the stress in the veneer/zirconia interface.

‘Continue or terminate?’ Determinants of long-term volunteering in sports clubs

This study analyzed the determinants underlying sports club volunteers' tendencies to continue or terminate their long-term commitment to volunteering in order to help sports clubs improve their volunteer management. Their risk of terminating was viewed in terms of subjective expectations and evaluations (satisfaction) regarding club-related working conditions and normative commitments (solidarity) to the sports club. These relationships were tested empirically with an online questionnaire of 441 sports club volunteers in a selection of 45 Swiss sports clubs. Results showed that the constructs orientation toward collective solidarity and volunteer job satisfaction correlated positively with long-term volunteering commitment. The effect of the former was stronger than that of the latter. Volunteers with a higher orientation toward collective solidarity were unlikely to terminate their voluntary engagement in their club. The discussion presents recommendations to help clubs retain volunteers.

Online Reputation Systems and Cumulative Advantage

The study of online reputation systems and their importance for promoting trust and cooperation and, therefore, the smooth functioning of online markets has received considerable attention over the last few years. In the first part of our talk we will try to give a brief overview of the existing theoretical and empirical work in this field, summarize the main findings from this research and identify open questions where results are either controversial or do not yet exist. The second part of our talk will focus on one of these issues that deserve further research, namely the relation between online reputation systems and processes of "cumulative advantage." Cumulative advantage is the mechanism where a favorable relative position of having a good reputation becomes a resource for further relative gains. The process leads to increased status inequality and a heavily skewed distribution of number of feedbacks, i.e. the ties in the reputation network. We present empirical evidence for direct and indirect reputation effects on the micro level of an auction reputation system and discuss the distributional consequences for the market level.

Textural Characterization of Micro- and Mesoporous Carbons Using Combined Gas Adsorption and n-Nonane Preadsorption

Porous carbon and carbide materials with different structures were characterized using adsorption of nitrogen at 77.4 K before and after preadsorption of n-nonane. The selective blocking of the microporosity with n-nonane shows that ordered mesoporous silicon carbide material (OM-SiC) is almost exclusively mesoporous whereas the ordered mesoporous carbon CMK-3 contains a significant amount of micropores (25%). The insertion of micropores into OM-SiC using selective extraction of silicon by hot chlorine gas leads to the formation of ordered mesoporous carbide-derived carbon (OM-CDC) with a hierarchical pore structure and significantly higher micropore volume as compared to CMK-3, whereas a CDC material from a nonporous precursor is exclusively microporous. Volumes of narrow micropores, calculated by adsorption of carbon dioxide at 273 K, are in linear correlation with the volumes blocked by n-nonane. Argon adsorption measurements at 87.3 K allow for precise and reliable calculation of the pore size distribution of the materials using density functional theory (DFT) methods.

Micro/Mesoporous Activated Carbons Derived from Polyaniline: Promising Candidates for CO2 Adsorption

A series of activated carbons were prepared by carbonization of polyaniline at different temperatures, using KOH or K2CO3 as activating agent. Pure microporous or micro/mesoporous activated carbons were obtained depending on the preparation conditions. Carbonization temperature has been proven to be a key parameter to define the textural properties of the carbon when using KOH. Low carbonization temperatures (400–650 °C) yield materials with a highly developed micro- and mesoporous structure, whereas high temperatures (800 °C) yield microporous carbons. Some of the materials prepared using KOH exhibit a BET surface area superior to 4000 m2/g, with total pore volume exceeding 2.5 cm3/g, which are among the largest found for activated carbons. On the other hand, microporous materials are obtained when using K2CO3, independently of carbonization temperature. Some of the materials were tested for CO2 capture due to their high microporosity and N content. The adsorption capacity for CO2 at atmospheric pressure and 0 °C achieves a value of ∼7.6 mmol CO2/g, which is among the largest reported in the literature. This study provides guidelines for the design of activated carbons with a proper N/C ratio for CO2 capture at atmospheric pressure.

Structural Characterization of Micro- and Mesoporous Carbon Materials Using In Situ High Pressure 129Xe NMR Spectroscopy

In situ high pressure 129Xe NMR spectroscopy in combination with volumetric adsorption measurements were used for the textural characterization of different carbon materials with well-defined porosity including microporous carbide-derived carbons, ordered mesoporous carbide-derived carbon, and ordered mesoporous CMK-3. Adsorption/desorption isotherms were measured also by NMR up to relative pressures close to p/p0 = 1 at 237 K. The 129Xe NMR chemical shift of xenon adsorbed in porous carbons is found to be correlated with the pore size in analogy to other materials such as zeolites. In addition, these measurements were performed loading the samples with n-nonane. Nonane molecules preferentially block the micropores. However, 129Xe NMR spectroscopy proves that the nonane also influences the mesopores, thus providing information about the pore system in hierarchically structured materials.

Using QFD for e-business planning and analysis in a micro-sized enterprise

Purpose - The purpose of this paper is to show how QFD can be used as part of a structured planning and analysis framework for micro-sized enterprises to build-up their e-business capabilities. Design/methodology/approach - This case study has been produced using a new framework which integrates the balanced scorecard, value chain and quality function deployment techniques into an integrated framework known as the E-Business Planning and Analysis Framework (E-PAF). It has been produced using an action research approach. Findings - A new framework with a supporting case study is provided. This case study has demonstrated that the framework can be applied successfully to micro-sized enterprises (those with less than ten employees) to successfully plan new strategic and technical developments. This will enhance the online service that the company is able to provide. Research limitations/implications - This paper presents a single case study. The technical recommendations are currently being implemented. Originality/value - Such analytical techniques are most commonly associated with large organisations, and are not specifically associated with e-business planning. This paper provides a new framework that will be of general applicability to other similarly sized enterprises that are looking to improve e-business capabilities. © Emerald Group Publishing Limited.

The involvement/exclusion paradox of spontaneous volunteering:new lessons from winter flood episodes in England

This article focuses on the involvement and management of spontaneous volunteers (SVs). It develops a new theory—which we call the “involvement/exclusion” paradox—about a situation which is frequently manifested when SVs converge in times of disaster. After reviewing research and policy guidance relating to spontaneous volunteering, we present findings from a study of responses to winter flood episodes in England. Taking together the empirical findings and the literature, the article analyzes elements inherent in the involvement/exclusion paradox and develops a conceptual model to illustrate and explain the paradox. Implications for managers and future research are discussed.

Computer-based tools for assessing micro-longitudinal patterns of cognitive function in older adults

Patterns of cognitive change over micro-longitudinal timescales (i.e., ranging from hours to days) are associated with a wide range of age-related health and functional outcomes. However, practical issues with conducting high-frequency assessments make investigations of micro-longitudinal cognition costly and burdensome to run. One way of addressing this is to develop cognitive assessments that can be performed by older adults, in their own homes, without a researcher being present. Here, we address the question of whether reliable and valid cognitive data can be collected over micro-longitudinal timescales using unsupervised cognitive tests.In study 1, 48 older adults completed two touchscreen cognitive tests, on three occasions, in controlled conditions, alongside a battery of standard tests of cognitive functions. In study 2, 40 older adults completed the same two computerized tasks on multiple occasions, over three separate week-long periods, in their own homes, without a researcher present. Here, the tasks were incorporated into a wider touchscreen system (Novel Assessment of Nutrition and Ageing (NANA)) developed to assess multiple domains of health and behavior. Standard tests of cognitive function were also administered prior to participants using the NANA system.Performance on the two “NANA” cognitive tasks showed convergent validity with, and similar levels of reliability to, the standard cognitive battery in both studies. Completion and accuracy rates were also very high. These results show that reliable and valid cognitive data can be collected from older adults using unsupervised computerized tests, thus affording new opportunities for the investigation of cognitive function.

Analysis of N-nitrosames in water using micellar electrokinetic chromatography (MEKC) and development of online and offline methods of extraction and enrichment of neutral polar analytes

Evaluation of the quality of the environment is essential for human wellness as pollutants in trace amounts can cause serious health problem. Nitrosamines are a group of compounds that are considered potential carcinogens and can be found in drinking water (as disinfection byproducts), foods, beverages and cosmetics. To monitor the level of these compounds to minimize daily intakes, fast and reliable analytical techniques are required. As these compounds are relatively highly polar, extraction and enrichment from environmental samples (aqueous) are challenging. Also, the trend of analytical techniques toward the reduction of sample size and minimization of organic solvent use demands new methods of analysis. In light of fulfilling these requirements, a new method of online preconcentration tailored to an electrokinetic chromatography is introduced. In this method, electroosmotic flow (EOF) was suppressed to increase the interaction time between analyte and micellar phase, therefore the only force to mobilize the neutral analytes is the interaction of analyte with moving micelles. In absence of EOF, polarity of applied potential was switched (negative or positive) to force (anionic or cationic) micelles to move toward the detector. To avoid the excessive band broadening due to longer analysis time caused by slow moving micelles, auxiliary pressure was introduced to boost the micelle movement toward the detector using an in house designed and built apparatus. Applying the external auxiliary pressure significantly reduced the analysis times without compromising separation efficiency. Parameters, such as type of surfactants, composition of background electrolyte (BGE), type of capillary, matrix effect, organic modifiers, etc., were evaluated in optimization of the method. The enrichment factors for targeted analytes were impressive, particularly; cationic surfactants were shown to be suitable for analysis of nitrosamines due to their ability to act as hydrogen bond donors. Ammonium perfluorooctanoate (APFO) also showed remarkable results in term of peak shapes and number of theoretical plates. It was shown that the separation results were best when a high conductivity sample was paired with a BGE of lower conductivity. Using higher surfactant concentrations (up to 200 mM SDS) than usual (50 mM SDS) for micellar electrokinetic chromatography (MEKC) improved the sweeping. A new method for micro-extraction and enrichment of highly polar neutral analytes (N-Nitrosamines in particular) based on three-phase drop micro-extraction was introduced and its performance studied. In this method, a new device using some easy-to-find components was fabricated and its operation and application demonstrated. Compared to conventional extraction methods (liquid-liquid extraction), consumption of organic solvents and operation times were significantly lower.

Novel synthesis of a micro-mesoporous nitrogen-doped nanostructured carbon from polyaniline

Nanostructured carbons with relatively high nitrogen content (3–8%) and different micro and mesoporosity ratio were prepared by activation of polyaniline (PANI) with a ZnCl2–NaCl mixture in the proportion of the eutectic (melting point 270 °C). It was found that the activated carbons consisted of agglomerated nanoparticles. ZnCl2 plays a key role in the development of microporosity and promotes the binding between PANI nanoparticles during heat treatment, whereas NaCl acts as a template for the development of mesoporosity of larger size. Carbons with high micropore and mesopore volumes, above 0.6 and 0.8 cm3/g, respectively, have been obtained. Furthermore, these materials have been tested for CO2 capture and storage at pressures up to 4 MPa. The results indicate that the nitrogen groups present in the surface do not seem to affect to the amount of CO2 adsorbed, not detecting strong interactions between CO2 molecules and nitrogen functional groups of the carbon, which are mainly pyridinic and pyrrolic groups.

Voluntariado online : construção, partilha e descoberta

Relatório de estágio apresentado para obtenção do grau de mestre em Educação e Comunicação Multimédia.