A model to screen and improve business potential of micro and small enterprises in developing countries: Evidence from the Island of Mozambique

Programmes supporting micro and small enterprises in developing countries have been showing that capital is not enough to allow business success: survival and growth. Literature does not provide comprehensive and practical tool to support business development in this context, but allowed the collection of forty-nine success variables that were studied in a sample of successful and unsuccessful businesses in the Island of Mozambique to discover what were the key factors affecting those businesses’ performance. Empirical data gave the insights for the development of a model to screen and improve business potential of micro and small enterprises in this context.

A Study of Credit Guarantee Fund Trust for Micro and Small Enterprises with particular reference to Bank of Baroda in state of Kerala

While the quantum of advances from the public sector banks (PSBs) to the MSEs has increased over the years in absolute terms, from Rs.46, 045 crore in March 2000 to Rs.1, 85,208 crore in March 2009, the share of the 7credit to the MSE sector in the Net Bank Credit (NBC) has declined from 12.5 per cent to 10.9 per cent. Similarly, there has been a decline in the share of micro sector as a percentage of Net Bank Credit (NBC) from 7.8 per cent in March 2000 to 4.9% in March 2009. (TKA.Nair, 2010)9.The major reasons for low availability of bank finance to this sector are high risk perception of the banks in lending to MSEs and high transaction costs in processing of loan applications of MSEs. The problem is more serious for micro enterprises requiring small loans and the first generation entrepreneursThe thesis studies the divergence in guidelines by, CGTMSE, RBI & Bank of Baroda on collateral free lending and analyses the awareness of MSE about CGTMSE lending. The researcher tries to assess the problems faced by borrowers in availing advance under CGTMSE from Bank of Baroda, Kerala.

GREEN MANAGEMENT, CLIMATE CHANGE AND SMALL BUSINESS IN BRAZIL: IMPLICATIONS FOR TRAINING AND EDUCATION FOR SUSTAINABLE DEVELOPMENT

This paper presents the results of a study on the analysis of training needs regarding environmental (green) management and climate change topics in micro and small enterprises (MSEs) in Brazil and its implications on education for sustainable development. It reports on an e-mail survey of Brazilian small enterprises, whose results indicate that they are indeed interested in environmental management and climate change topics in an education for sustainable development context. The study indicates that proposals for courses on environmental management and climate change should follow a systemic perspective and take sustainable development into account. By applying factor analysis, it was found that the topics of interest can be grouped into thematic modules, which can be useful in the design of training courses for the top management leaders of those companies.

Organizational communication and innovation in micro and small companies: a study on the application of the Innovation Radar

This paper is a study on corporate communication and the ability to innovate in small businesses. The guiding question seeks to respond whether organizational communication is able to make progress and / or support innovation in micro and small companies, and the main objective is to analyze the relationship between innovation and organizational communication. It was applied the case study method and document research for interpreting a diagnosis instru- ment called “Innovation Radar” in a small business company located in the countryside of São Paulo state. The diagnosis is made based on assessment dimensions aimed at checking the maturity and the degree of innovation in micro and small companies. By evaluating these di- mensions it was possible to build analytical frameworks and highlight the influence of corporate communication in promoting innovation. The results indicate that every dimension of the “In- novation Radar” can improve their performance by means of corporate communication.

CSR Policies: Effects on Labour Productivity in Spanish Micro and Small Manufacturing Companies

This paper analyses empirical evidence of efforts to enable Spanish micro and small manufacturing companies to boost their labour productivity rates through the development of the main pillars of their corporate social responsibility (CSR) policies. This study aims to develop new approaches and sensibilities towards work from an ethical, values (virtues) and CSR perspective, showing how internal dimensions of CSR, such those related to relationships with employees and responsibility in processes and product quality, can improve labour performance and labour efficiency, thereby contributing to a better society. The results of a sample of 929 small businesses indicate that the social responsibility policies that most contributed to a short-term increase in labour productivity are those related to internal aspects of the company, in particular its involvement in the quality of processes and products, promotion of innovation and employee care. However, the impact on labour productivity of CSR policies related to external factors, such as relationship with stakeholders and environmental concern, could not be empirically proven in this paper.

Systemic Model for Diagnosis of the Micro, Small and Medium Enterprises from Two Cities from the Countryside of the State of So Paulo in Brazil

This article presents a proposal of a systemic model composed for the micro and small companies (MSE) of the region of Ribeiro Preto and the agents which influenced their environment. The proposed model was based on Stafford Beer`s (Diagnosing the system for organizations. Chichester, Wiley, 1985) systemic methodologies VSM (Viable System Model) and on Werner Ulrich`s (1983) CSH (Critical Systems Heuristics). The VSM is a model for the diagnosis of the structure of an organization and of its flows of information through the application of the cybernetics concepts (Narvarte, In El Modelo del Sistema Viable-MSV: experiencias de su aplicacin en Chile. Proyecto Cerebro Colectivo del IAS, Santiago, 2001). On the other hand, CSH focus on the context of the social group applied to the systemic vision as a counterpoint to the organizational management view considered by the VSM. MSE of Ribeiro Preto and Sertozinho had been analyzed as organizations inserted in systems that relate and integrate with other systems concerning the public administration, entities of representation and promotion agencies. The research questions: which are the bonds of interaction among the subsystems in this process and who are the agents involved? The systemic approach not only diagnosed a social group, formed by MSE of Ribeiro Preto and Sertozinho, public authorities and support entities, but could also delineate answers that aimed the clarification of obscure questions generating financial assistance to the formularization of efficient actions for the development of this system.

The Jua Kali and the Mali-Mali: the informal/formal nexus amongst Kenyan micro enterprises

This paper presents a preliminary exploration of the informal/formal economy nexus and entrepreneurial processes amongst a sample of Kenyan roadside vendors who mostly operate in the informal economy. Using semi-structured interviews, data was collected from sixty street vendors across Kenya. In particular the paper focuses on the relationship between the informal and formal economy and the factors that promote formality amongst micro and small enterprises in developing countries. The paper presents a conceptualization of a potential segmentation of the informal economy, considering the implications of this in terms of base of the pyramid initiatives and the promotion of development through enterprise.

Design gráfico : análise da relação com a performance da micro e pequena empresa

O design possui um papel central nos negócios, participando de forma crucial no intercambio cultural e econômico da sociedade. Uma das competências do profissional de design gráfico é o desenvolvimento da Identidade Visual Corporativa (IVC). Ela tem como função definir visualmente o perfil de uma empresa, configurando-se, assim, como um composto mercadológico de fundamental importância para diferenciação das organizações, possuindo um importante papel para o crescimento das micro e pequenas empresas (MPEs). O objetivo desta pesquisa é verificar de que forma os gestores de MPEs percebem a atuação do design gráfico sobre a performance do seu negócio, avaliada a partir da sua experiência com a IVC desenvolvida por um profissional de design e aplicada pela empresa em suas atividades. A pesquisa é aplicada, em relação a sua finalidade, e exploratória, quanto ao seu objetivo. Sua condução se deu a partir de pesquisa bibliográfica, entrevista semiestruturada com os gestores das MPEs investigadas e pesquisa documental em materiais fornecidos pelos sujeitos da pesquisa, realizando-se, desta forma, uma triangulação metodológica a fim de contribuir para o exame do fenômeno. Como estratégia de investigação foi utilizado o estudo de casos múltiplos, realizado com 7 (sete) MPEs que haviam incorporado sua IVC há pelo menos 2 (dois) anos, dos setores de comércio e serviço, localizadas nos municípios de Vitória, Vila Velha, Serra ou Cariacica. Os dados coletados foram analisados por meio da Análise de Conteúdo, com base nas etapas descritas por Bardin (1977) e Laville (1999), distribuindo as unidades de análise (frases e parágrafos) nas categorias desenvolvidas: Motivação, Integração da IVC, Gestão da IVC, Relevância da IVC, IVC e Performance e Expressão Visual. A análise utilizou a abordagem quantitativa, realizada por meio da técnica de percentagem, e qualitativa, com maior ênfase na última, onde foram analisadas as categorias e seus elementos, assim como as relações entre elas, buscando extrair os significados construídos. Desta forma, foi possível verificar que a maior parte dos gestores das MPEs investigadas identificam que o design gráfico, por meio da IVC, contribui de forma positiva para a performance do seu negócio, proporcionando diferentes tipos de benefícios, dentre os mais citados foram: Identificação/Reconhecimento, Fortalecimento (solidez, estabilidade, profissionalismo), Novos Clientes, Imagem, Receptividade, Agregação de Valor para a Marca e Diferenciação.

Design gráfico : análise da relação com a performance da micro e pequena empresa

O design possui um papel central nos negócios, participando de forma crucial no intercambio cultural e econômico da sociedade. Uma das competências do profissional de design gráfico é o desenvolvimento da Identidade Visual Corporativa (IVC). Ela tem como função definir visualmente o perfil de uma empresa, configurando-se, assim, como um composto mercadológico de fundamental importância para diferenciação das organizações, possuindo um importante papel para o crescimento das micro e pequenas empresas (MPEs). O objetivo desta pesquisa é verificar de que forma os gestores de MPEs percebem a atuação do design gráfico sobre a performance do seu negócio, avaliada a partir da sua experiência com a IVC desenvolvida por um profissional de design e aplicada pela empresa em suas atividades. A pesquisa é aplicada, em relação a sua finalidade, e exploratória, quanto ao seu objetivo. Sua condução se deu a partir de pesquisa bibliográfica, entrevista semiestruturada com os gestores das MPEs investigadas e pesquisa documental em materiais fornecidos pelos sujeitos da pesquisa, realizando-se, desta forma, uma triangulação metodológica a fim de contribuir para o exame do fenômeno. Como estratégia de investigação foi utilizado o estudo de casos múltiplos, realizado com 7 (sete) MPEs que haviam incorporado sua IVC há pelo menos 2 (dois) anos, dos setores de comércio e serviço, localizadas nos municípios de Vitória, Vila Velha, Serra ou Cariacica. Os dados coletados foram analisados por meio da Análise de Conteúdo, com base nas etapas descritas por Bardin (1977) e Laville (1999), distribuindo as unidades de análise (frases e parágrafos) nas categorias desenvolvidas: Motivação, Integração da IVC, Gestão da IVC, Relevância da IVC, IVC e Performance e Expressão Visual. A análise utilizou a abordagem quantitativa, realizada por meio da técnica de percentagem, e qualitativa, com maior ênfase na última, onde foram analisadas as categorias e seus elementos, assim como as relações entre elas, buscando extrair os significados construídos. Desta forma, foi possível verificar que a maior parte dos gestores das MPEs investigadas identificam que o design gráfico, por meio da IVC, contribui de forma positiva para a performance do seu negócio, proporcionando diferentes tipos de benefícios, dentre os mais citados foram: Identificação/Reconhecimento, Fortalecimento (solidez, estabilidade, profissionalismo), Novos Clientes, Imagem, Receptividade, Agregação de Valor para a Marca e Diferenciação.

Uma nova proposta de tributação em IRC para as micro e pequenas empresas

Mestrado em Fiscalidade

Imitation, entrepreneurship and the informal/formal economy nexus: an African perspective

This paper explores a segmentation of micro and small enterprises (MSEs) in developing countries within the formal/informal economy nexus that has wide-ranging implications for the targeting of base-of-the-pyramid initiatives and entrepreneurship theory. This proposed segmentation emerges from the analysis of a sample of Kenyan MSEs utilising current and prior business models; the antecedent influences shaping the business model; barriers to entry associated with knowledge, capital and skills; the degree of innovation or imitation evident in the business model linked to the nature of opportunity recognition; and their relationship with the formal institutional business environment.