Study on Microcredit in Kerala with Special Reference to Employment and Income Generation through Microenterprises and Livelihood Projects

This study aimed to study the evolution and substance of microfinance as a major tool for combating poverty at the global and national level. The development of micro finance in Kerala is briefly discussed. It also indicates the importance and role of microcredit in bringing the poor up in the society through entrepreneurial initiatives. The current trends in the field are also discussed, leading to the need of the present research.

Barriers to adapt eCommerce by rural microenterprises in Sweden : a case study

Research has shown that small and medium-sized enterprises (SMEs) are rapidly adopting the e-commerce. However, there is nearly no research into how microenterprises are adopting eCommerce. Present paper focus on microenterprise adaption of eCommerce in terms of barriers in relation to already known research on SMEs. A case study, carried out by 12 microenterprises to find out barriers to adapt eCommerce had been done. The empirical results show that the microenterprises share most of the barriers to adapt the eCommerce with studies of SMEs, but also reveal additional factors affecting adaptation option of eCommerce; supplier agreement, communication and customer strategy. Conclusions are that microenterprises need additional support and communication and customer strategy to adapt eCommerce, depending of their requirement and needs of eCommerce.

Portals for microenterprises in rural area : two cases

Research has shown that microenterprises have ability to survive and grow with the support of portals that include eCcommerce. However, almost no research has demonstrated how it’s done and what support microenterprises want. Results of our study shows that the portals have to be improved to support the use of advanced ICT applications, make it usable to use, and give more time for core business for the participating microenterprises. We have seen that portals have to solve problem with the technical solution and the process of payment. The network building activities in the portals do not happen in such extent that we have expected based on previous research. If portals will get businesses to grow in microenterprises, we propose that in addition to providing access to advanced ICT applications need to climbs one step higher in the DTI ladder and create more of eCommerce to increase sales in a greater market. We also propose that portals which support cooperation between microenterprises in rural areas from different branches have the best chances to succeed in the future.

Employment Situation in Latin America and the Caribbean: Employment in microenterprises between 2003 and 2013. Improvements and challenges

The Employment Situation in Latin America and the Caribbean is a twice-yearly report prepared jointly by the Economic Development Division of the Economic Commission for Latin America and the Caribbean (ECLAC) and the Office for the Southern Cone of Latin America of the International Labour Organization (ILO).

Differences between innovative and non-innovative microenterprises: internal factors

This exploratory study presents a comparison between two samples of microenterprises. One sample is formed by companies involved in product innovation during the current economic crisis and the other is formed by companies not involved in product innovation during the same period. The comparison analyzes which internal factors, supported by the literature as the influential factors of small business innovation, are significant when explaining the main differences between innovative microenterprise and non-innovative ones. The results suggest that the factors related to the organization and activity of the company are the factors which explain the differences between these two types of firms, rather than those factors related to micro-entrepreneurs own profile.

A informação contabilística no processo de tomada de decisão de microempresas

A globalização, o desenvolvimento económico e o aumento da competitividade, possibilitaram um acréscimo do número de microempresas, originado o aumento do peso que estas detêm na economia. Estas absorvem a maioria da mão-de-obra do setor privado e criam parte significativa da riqueza de um país, no entanto, apresentam elevados índices de dissolução e liquidação, pondo em causa o desenvolvimento sustentável das economias onde estão sediadas. A informação contabilística é essencial em qualquer tipo de organização. Para as microempresas a utilização da informação contabilística no processo de tomada de decisão determina a diferença entre sucesso e o insucesso do empreendimento, no entanto, este tipo de informação continua a ser menosprezado pela gerência das microempresas. É assim importante estudar os fatores que limitam a utilização da informação contabilística no processo de tomada de decisão de microempresas e investigar a sua relação com os fatores de insucesso deste tipo de entidades. Nesta investigação para se atingirem os objetivos propostos considera-se adequado a adoção de uma metodologia de natureza quantitativa, assente num inquérito dirigido aos Contabilistas Certificados. Através da investigação demonstrou-se a importância que a informação contabilística detém no processo de tomada de decisão das microempresas Portuguesas. Constatou-se que os gerentes limitam a utilização deste tipo de informação, uma vez que não têm capacidade para interpretar a informação contabilística, nem reconhecem os benefícios inerentes à sua utilização nas decisões empresariais. Confirmou-se ainda que existe uma relação positiva entre os fatores de insucesso e os fatores que limitam a utilização da informação contabilística no processo de tomada de decisão de microempresas.

Microenterprise success and failure factors

The purpose of this study is to identify factors contributory to success or failure of a microenterprise. Microenterprise is an enterprise with less than10 employees. About 99 % of all Finnish enterprises fall in this category. Earlier studies do not provide a comprehensive view on microenterprise success and failure factors. The theoretical part discusses the definition of success and failure, previous research and results already established about the topic and categories of business environment. The empirical part is founded on quantitative survey results from 204 Finnish microenterprises. The questions of the survey were based on previous surveys, literature and intuition. Both success and failure factors were enquired. Summary of the results was made and the results were compared among successful and unsuccessful enterprises. In open-end questions, the most important factors mentioned to affect enterprise performance positively were "Employees", "Customers" and "Skills, knowledge, education and experience." The most important factors affecting enterprise performance negatively were "Economical situation", "Employees availability and attitudes" as well as "Political decisions and passed laws". In Likert-scale set of questions, the most significant factors from the point of view of enterprise performance were "Product and / or service good quality", "Good reputation of the company" and "Staff's strong skills". The least significant factors were "Effect of marketing and promotion", "Conflicts" and "Differences of points of views of different generations". By Likert-scale set of questions, it was also tested which operations the enterprises perform, and according to the results, successful enterprises found "Performing a market research", "Use of distribution channel in sales" and "Expanding to new markets" less important than unsuccessful enterprises. The tests proved that the age of the enterprise correlates with the level of success of the enterprise: The younger the enterprise, the more successful it is. In addition, the results show that if the enterprise is family based, the less successful it is. In addition, there was also slight correlation between success and the level of growth, indicating that higher the level of growth the more successful the enterprise is. From the business environment point of view, the key finding was that internal factors affect more on the success of an enterprise than external factors, and that external factors affect more on the failure of an enterprise than internal factors.

Un nuevo enfoque organizacional para Colombia como solución al problema socio-económico de las personas en proceso de reintegración

Como solución al problema socio-económico de las poblaciones que tienden a la vulnerabilidad en Colombia, se plantea un modelo de empresa sustentable; se trata de partir de una inter-dependencia entre la responsabilidad social empresarial y la cadena de valor, logrando establecer enlaces de integración horizontal y vertical, para así ayudar a crear, fomentar y hacer crecer dentro de estas cadena, a microempresas conformadas por las minorías más vulnerables social y económicamente de nuestro país, aplicándolo en una primera instancia, como modelo piloto, a las personas en proceso de reintegración de los grupos armados ilegales, de manera que el modelo sea viable, soportable y equitativo, y genere cuenta de resultados a futuro para las organizaciones de tipo social, financiero y ambiental.

Estrategias para potencializar el sector turístico en el departamento del Guainía

El departamento del Guainía, comprende una región con un alto potencial de desarrollo económico y social para el país debido a su biodiversidad y a su riqueza cultural. Sin embargo, ha sido un departamento que no ha presentado un desarrollo creciente de su economía debido a factores como: el aislamiento, la dependencia del estado, la limitada inversión en tecnología e infraestructura vial y la falta de capacitación en el capital humano, los cuales incrementa los costos logísticos y dificulta el desarrollo microempresarial. Es así, como en la actualidad la economía de la región se centra en los sectores primarios y en el sector público, los cuales presentan un mínimo valor agregado y de calidad para la zona. Teniendo en cuenta, la situación actual del departamento dentro del plan de desarrollo económico del Guainía y las apuestas productivas para la Amazorinoquia, se plantearon los lineamientos económicos y los ejes transversales de los sectores con mayor potencial de desarrollo para el Guainía. El turismo, el Bio-comercio y los mercados verdes, son los sectores analizados que podrían mejorar las condiciones socioeconómicas del departamento. De este modo, y teniendo en cuenta las condiciones de la región, el sector turístico, es un sector con un alto potencial de desarrollo que impacta a la economía en general y propende por el desarrollo social y el cuidado del medio ambiente. Por ello, la economía debería enfocar sus esfuerzos en el desarrollo de dicho sector, a través de un clúster del sector turístico que integre las iniciativas de los empresarios locales, las instituciones públicas y los gremios, promoviendo la competitividad, la innovación, la generación de sinergia y la promoción del departamento como centro eco-turístico de la Amazorinoquia colombiana.

Tillit och misstro till molntjänster : Identifiering av vilka kriterier som skapar tillit till molntjänster

Cloud computing innebär att datorkraft och IT-resurser i form av servrar, lagring och lokala nätverk görs tillgängliga via internet, cloud computing har ökat snabbt i användning de senaste åren. Möjligheterna med molntjänster har lett till nya utmaningar avseende tillit till molntjänster genom att öppna för helt nya förhållanden mellan leverantör och kund. I dagsläget så är tillit till molntjänsterna ett stort problem för kunder såsom mikroföretag samt små och medelstora företag. Vårt examensarbete syftar till att beskriva mikroföretags samt små och medelstora företags tillit och misstro till molntjänster, samt identifiera vilka kriterier som bidrar till detta. Resultatet visar att det är svårt att tydligt definiera tillit och misstro hos företag, då deras situationer och verksamheter skiljer sig. Tack vare vår litteraturstudie i kombination med våra intervjuer har vi skapat oss en bra bild av vilka kriterier som bidrar med tillit och misstro till molntjänster. Baserat på vårt arbete har vi sammanställt en konceptuell modell som beskriver tillit och misstro till molntjänster.

The informal sector and poverty in Latin America

Includes bibliography

The importance of local production and small-scale enterprises for Latin American development

Includes bibliography

Employment trends in Latin America and the Caribbean during the 1990s

Includes bibliography

Productive development in open economies

Includes bibliography

Espaço e identidade visual: uma investigação sobre soluções de design para empresas

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)