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Title: | Dynamic behaviour model: A sustainable SMEs Development | Authors: | Aspiranti, T. Amaliah, I. Mafruhat, A.Y. Kasim R.S.R. |
Keywords: | Dynamic System;SMEs;MFIs;Sustainable Development | Issue Date: | 2020 | Publisher: | Czestochowa University of Technology | Journal: | Polish Journal of Management Studies | Abstract: | Microfinance Institutions (MFIs) are a mainstay in developing countries to overcome poverty problems through Small and Medium-sized Enterprises (SMEs) funding. The various studies that have been done are still very limited on sustainable SMEs funding due to SMEs various obstacles. Microfinance Institutions are the most compatible institutions to fund SMEs because they have complementary characteristics. This study aims to build a sustainable SMEs financing model to develop SMEs and MFIs. The dynamic system is used as a data analysis tool, involving three main actors in the behavior model, namely Third Parties as Funders (TPF), MFIs and SMEs with the data year 2018 scenario. Sensitivity and optimization of SMEs funding policies show that several prerequisites must be met for SMEs financing to be optimal: a) A stable level of Financing to Deposit Ratio (FDR) and sufficient investment capital to make a sustainable circulation of funds. The FDR must be kept above the 60% minimum range. b). The Non-Performing Financing (NPF) level must be maintained at a maximum of 5 percent; FDR must be above 60% to convert savings into financing to be eight months; The share of financing for SMEs is increased by 80 percent. |
Description: | Others |
URI: | http://hdl.handle.net/123456789/906 | ISSN: | 2081 7452 | DOI: | 10.17512/pjms.2020.22.1.04 |
Appears in Collections: | Journal Indexed Era/Google Scholar and Others FKP |
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1512349.pdf | 1.64 MB | Adobe PDF | View/Open |
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