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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
11

Analýza konceptu Green ICT pro malé a střední podniky / Analysis of Green ICT concept for small and medium business

Jirák, Jaroslav January 2011 (has links)
This thesis deals with the issue of sustainable development and its relation to information and communicaton technologies in the business background. The whole concept is called Green ICT. The main aim of the thesis is to provide an insight into the legislative and contentual aspects of Green ICT and its relation to business informatics, suggesting several practices for use in small business. The first part defines all important legislative aspects and summarizes the view of Green ICT according to several authors and describes and compares the certificates of physical ICT. Next part is aimed to business environment and deals with the most frequently occuring barriers and motivation factors. The small and medium business is specified and the requirements of managing and monitoring the impact on the envirnoment is analyzed. Next part of the thesis analyzes defined areas of potential implementation of Green ICT and creates relevant practices to improve the power consumption and the impact on the environment, on the basis of available case studies and research findings For every practice, its potential technical solution, effects and risks are considered. These practices are then analyzed and appraised in terms of MMDIS methodics. The added value of the thesis is comprehensive description and analysis of individual practices of Green ICT from different points of view and analysis and comparison of available certifications of ICT devices.
12

Design estratégico para pequenos negócios: proposta de redesenho do programa transformando meu serviço

Villarinho, Gabriela Carneiro Monteiro Paiva 07 March 2016 (has links)
Submitted by Silvana Teresinha Dornelles Studzinski (sstudzinski) on 2016-09-14T15:28:30Z No. of bitstreams: 1 Gabriela Carneiro Monteiro Paiva Villarinho_.pdf: 5300247 bytes, checksum: 593cdaa99d36ead261810869d455898a (MD5) / Made available in DSpace on 2016-09-14T15:28:30Z (GMT). No. of bitstreams: 1 Gabriela Carneiro Monteiro Paiva Villarinho_.pdf: 5300247 bytes, checksum: 593cdaa99d36ead261810869d455898a (MD5) Previous issue date: 2016-03-07 / CAPES - Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / A investigação de processos que promovem a inovação no setor de serviços é fundamental, considerando que a diversidade de natureza dos segmentos que compõem este universo de empresas. Esta necessidade é reforçada pelo visível crescimento do setor nos últimos anos, reafirmando a importância desta atividade na economia. Para tanto, o design thinking tem sido considerado uma abordagem adequada, por se ocupar do processo de desenvolvimento de interações, ao invés de se preocupar unicamente com o resultado final. Com isso, o design consegue se adequar e responder às diferentes necessidades dos pequenos negócios no desenvolvimento de novos serviços. O presente estudo investiga os fatores críticos de sucesso do Programa Transformando meu Serviço, realização conjunta entre UNISINOS e SEBRAE/RS, que auxiliou nove pequenos negócios na construção ou transformação de um serviço. A pesquisa foi desenvolvida através de estudo de caso com análise de conteúdo do material produzido no workshop e de coletas de dados por meio de entrevistas, grupo focal e diários de campo. Ao final do estudo, formulou-se oito hipóteses que foram traduzidas em uma proposta de redesenho do Programa Transformando meu Serviço, composta por um questionário preliminar a ser respondido pelo empresário, premissas básicas para realização do Programa e um conjunto de orientações para os atores do processo. / Researches about the processes that promote innovation in the Service sector are crucial, considering the diversity of natures of segments that constitute this group of enterprises. This need is reinforced by the visible growth of this sector in the last years, reaffirming the importance of the activity in the economy. Therefore, design thinking has been considered an adequate approach, for engaging interactions development process rather than being concerned only with the final result. Thereby, design can adapt itself and respond to the different needs of small businesses in developing new services. This study investigates the critical success factors of the program Transformando meu Serviço, joint realization of UNISINOS and SEBRAE/RS, which helped nine small businesses in constructing or transforming a service. This research was developed by a case study with content analysis of the material produced during the workshop and data collection by interviews, focus groups and field diaries. By the end of the study, eight hypotheses were formulated, that have been translated into a proposal to recast the program Transformando meu Serviço, consisting in a preliminary questionnaire to be answered by the owner of the business, basic premises for implementation of the programme and a set of directions for the actors of the process.
13

Lietuvos Vyriausybės siūlomų verslo skatinimo priemonių analizė ir vertinimas / Analysis and evaluation of proposed means for stimulation of business by the government of the Republic of Lithuania

Račkauskienė, Rima 03 July 2012 (has links)
Vyriausybės verslo skatinimo priemonių analizė yra aktuali, nes verslas sudaro ekonomikos pagrindą. Net 99,5 procentus visų Lietuvoje veikiančių įmonių sudaro smulkus ir vidutinis verslas. Būtent šis sektorius padeda spręsti užimtumo problemas, stiprina atskirų rajonų ekonomiką, lanksčiai prisitaiko prie ekonomikos pokyčių, diegia naujoves, taip pat yra didžiųjų įmonių užuomazgos. Šiandieninėmis sudėtingomis, didelės konkurencijos sąlygomis SVV subjektų dėmesys turėtų būti nukreiptas ne tik į inovatyvių ir paklausių produktų kūrimą, jų sėkmingą įvedimą į rinką, gebėjimą gyvybingai funkcionuoti rinkoje, bet ir siekti sėkmingos verslo plėtros. Dėl šių priežasčių svarbu išsiaiškinti ir įvertinti galimą paramos verslui mechanizmą, kuris galėtų būti kaip svarbiausias ir lemiantis išliekamąjį SVV subjektų konkurencinį pranašumą. Ekonomikos sunkmečiu, smulkaus ir vidutinio verslo plėtra tapo vienu pagrindinių ekonominės politikos tikslų. Lietuvos Vyriausybė palaiko SVV skatinimą ir rėmimą, tačiau dėl finansinių išteklių stokos smulkųjį ir vidutinį verslą remia tik pagal išgales. Iškyla problema LR Vyriausybė aktyviai siekia pagerinti verslo veiklos sąlygas Lietuvoje ir paskatinti naujų įmonių kūrimą bei plėtrą, tačiau įmonės kuriasi vangiai, ypač mažesniuose miestuose ir rajonuose, jų augimas ir plėtra nėra pakankamai spartūs. Tyrimo hipotezė: Smulkus ir vidutinis verslas nepakankamai aktyviai naudojasi valstybės vykdomomis verslo skatinimo priemonėmis. Darbo tikslas: išanalizuoti... [toliau žr. visą tekstą] / Analysis of government stimulation means is urgent, because business is a basis of economic structure. Even 99,5 percent of all working companies in Lithuania are small or medium business. Namely this sector helps solving employment problems, it strengthens economic structure of separate regions, flexibly adapts to economical changes, introduces innovations, it is also a start of becoming a large business. For present day, in difficult, large competition environment, SMB subject attention should be concentrated not only onto creation of innovative and marketable products and their successful lead to market, capability of great vitality functioning in market, but also seek for a successful business expansion. That is because it is important to clear up and evaluate possible mechanism of business support, which could be as the most important and crucial survival SMB subject competition advantage. In difficult economy period, expansion of small and medium business became one of the most priority targets of economic policy. Government of the republic of Lithuania supports SMB stimulation, but because of lack of financial resources it supports small and medium business as far as possible. Arises problem, government of the republic of Lithuania actively tries to improve business conditions in Lithuania and stimulate creation and expansion of new business, but new business is started very slowly, especially in smaller towns and districts, their growth and expansion are not fast... [to full text]
14

O processo de internacionalização de pequenas e médias empresas industriais : o caso da Olsen Indústria de Equipamentos Odontológicos

Seifriz, Marco Antonio 01 March 2002 (has links)
Made available in DSpace on 2016-12-12T20:32:05Z (GMT). No. of bitstreams: 1 marco1.pdf: 1381499 bytes, checksum: 50cd3caa5b92c12896ce9977d8b497f1 (MD5) Previous issue date: 2002-03-01 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / The present paper has the general purpose to verify if the model of firms internationalization offered by specialized authors allows comprehension about the internationalization process of Olsen Indústria de Equipamentos Odontomédicos Ltda. The worldwide economics panorama has changed since the end of Second War. Involved by the information technology revolution and the multilateral relationship domain, we are experiencing powerful trends like the liberalization and the rapid increase of international trade, the financial globalization and the regional integration. Due to this dynamic and complex environment, many firms are attracted by the exportation idea, and governments are concerning about your external accounts. In Brazil, the main target of export promotion programs is the small and medium enterprises (SMEs) segment, which has a historical short participation on national export value. There are so many reasons, but all of them are associated with the lack of international business culture in Brazil. However, some brazilian SMEs are exporting. The conclusion of some studies is that the number of brazilian SMEs exporters is growing up, but they tend to give up of exporting because of the natural obstacles of international trade. The permanence and the regularity of these firms on the internationalization process involve some prohibitive costs and risks, taking them to adopt a non-strategic and opportunist attitude. One of the few cases of well- nternationalized SME in Brazil is the mediumsized firm Olsen Indústria de Equipamentos Odontomédicos Ltda., located in the city of Palhoça/SC. This firm was a good opportunity to improve our knowledge about internationalization process; why the emphasis on overseas; what factors allow the advance on internationalization process; and, especially, what impacts the decision of internationalization interfere on the future of this firm. In this way, we selected a model that allows a better comprehension about the internationalization process of Olsen. The studies about internationalization of brazilian firms are still in short supply. The application of the selected model objectives, in particular, to reduce some doubts about the paradox relationship between SMEs and international trade / O presente trabalho tem por objetivo geral verificar se o modelo de internacionalização de empresas apresentado pela bibliografia especializada possibilita a compreensão do processo de internacionalização da Olsen Indústria de Equipamentos Odontomédicos Ltda. O panorama econômico mundial mudou profundamente desde o término da II Guerra Mundial. Tendo a revolução da tecnologia da informação e o domínio das relações multilaterais entre os países como pano de fundo , o mundo inteiro vem assistindo a consolidação de tendências como a desregulamentação e o forte incremento do comércio internacional, a intensa movimentação de capitais entre os países e a formação de blocos econômicos. É dentro deste cenário dinâmico e complexo que um número cada vez maior número de empresas vêem-se compelidas a se internacionalizar. Da mesma forma, percebe-se o crescente esforço das nações na busca do equilíbrio dos seus balanços de pagamentos. No Brasil, o principal alvo dos programas de promoção às exportações do governo é o segmento das pequenas e médias empresas (PMEs), que apresenta uma histórica baixa participação no volume das exportações nacionais. Os motivos são de natureza diversa, mas todos passam pela nossa falta de tradição na área dos negócios internacionais. Todavia, existem PMEs brasileiras exportando. Estudos apontam que é expressivo o ingresso de novas PMEs no esforço exportador. Por outro lado, os mesmos estudos constatam que a maior parte das PMEs exportadoras tende a desistir das vendas internacionais após se defrontar com os típicos desafios envolvidos nestas operações. Ou seja, as PMEs brasileiras tendem a não atingir estágios mais evoluídos do processo de internacionalização. A permanência e a regularidade na atividade exportadora apresenta riscos e custos muitas vezes incompatíveis com a natureza deste segmento, induzindo muitas destas empresas a adotar uma postura oportunista e não estratégica em relação ao comércio exterior. Um dos poucos casos de PMEs brasileiras que avançaram no processo de internacionalização pode ser bem representado pela Olsen Indústria de Equipamentos Odontomédicos Ltda., empresa industrial de médio porte localizada no município de Palhoça/SC. Pareceu-nos oportuno conhecer melhor a realidade desta empresa; o porquê da ênfase no mercado externo; quais os fatores que condicionaram o seu avanço no processo de internacionalização e o seu maior comprometimento com o mercado externo; e, sobretudo, quais os reflexos destas decisões sobre o futuro desta empresa. Para isto, buscou-se na literatura especializada um modelo capaz de oferecer uma melhor compreensão sobre o processo de internacionalização desta empresa. Os estudos sobre internacionalização de PMEs brasileiras ainda são escassos. A aplicação do modelo de internacionalização proposto por este estudo busca, sobretudo, diminuir algumas lacunas sobre a relação paradoxal entre as PMEs e o comércio internacional
15

Contribuições à gestão de micro, pequenas e médias empresas (MPMEs): um estudo sobre a adoção de práticas administrativas e sua relação com o porte e com a lucratividade / Contributions to the management of micro, small and médium business (MSMBs): a study on the adoption of administratives practices and its relation to the size and profitability

Alexssandro Augusto Pereira Correa de Mello 23 April 2015 (has links)
As Micro, Pequenas e Médias empresas, MPME, são responsáveis por em torno de 30% do PIB e por mais da metade dos trabalhos formais no Brasil, tamanha importância aponta a crescente necessidade de pesquisas que suportem o seu desenvolvimento e amadurecimento. Neste contexto, esta tese teve como foco as MPMEs, procurando responder quais são as práticas de gestão que mais impactam na lucratividade, bem como a associação destas práticas de gestão ao porte. As práticas de gestão foram concebidas a partir da cadeia de valor, formando-se nove dimensões: Estratégia, Estrategista, Gestão de Pessoas, Gestão de Valor, Gestão Financeira, Gestão de Operações, Mercadológico, Sistemas de Informação e Governança. Para a construção do instrumento de coleta de dados utilizou-se as referencias conceituais apontadas ao longo do referencial teórico. Dessa forma, montou-se um questionário com 204 perguntas, sendo 160 ligadas diretamente à representação destas práticas e mais 44 que suportaram o alcance do objetivo proposto. Por conseguinte, obteve-se um instrumento robusto para ser respondido em 60 minutos. Foi formada uma amostra de 197 empresas respondentes de diversos setores da economia, sendo 91 micro, 65 pequenas e 37 médias. Para a análise destas respostas utilizou-se a metodologia quantitativa exploratória, uma vez que a amostra foi não-probabilística por conveniência. Foram utilizadas diversas técnicas estatísticas através do software SPSS. Primeiramente foi verificada a associação entre cada uma das 160 variáveis e a lucratividade através dos testes Qui-quadradado e Kendall. Como resultado foram identificadas 32 variáveis com associação positiva e significativa e mais 8 variáveis com associação positiva. Com base nestas variáveis foi aplicada a análise CATPCA que resultou em 9 dimensões, as quais foram submetidas à correlação de Spearman e à regressão múltipla. Estas análises forneceram fortes evidências sobre a correlação direta entre a adoção de práticas de gestão e a lucratividade e o porte. Para possibilitar a identificação de grupos similares dentro da amostra foi utilizada a análise de cluster, a qual possibilitou comparar grupos com diferentes graus de adoção e diferentes lucratividades. Verificou-se a existência de um cluster no qual mais práticas de gestão levam a maior lucratividade, bem como outro que apresentou menores práticas de gestão e menores lucratividades. Como contribuição à gestão das MPMEs foram levantadas algumas evidências através do gráfico de regressão e das disposições das empresas no gráfico. Foram apresentadas quais práticas de gestão são adotadas por empresas com maior lucratividade e estas foram comparadas a empresas do mesmo porte e mesmo setor com menor lucratividade, possibilitando recomendações para a adoção de certas práticas administrativas. Espera-se contribuir para que os dirigentes de MPMEs vejam seus negócios como empresas que podem evoluir através de técnicas de gestão e analisem a sua possibilidade de adoção, pois como apresentado no presente estudo a associação foi positiva em ambos os casos, com lucratividade e com porte. / The Micro, Small and Medium business, MSMBs account around 30 % of GPD and more than 50% of formal jobs in Brazil, such importance underscores a growing need for research to support its development and maturation. In this context, this study focused on MSMBs by seeking the management practices that most impact the profitability and how it is associated of the size management. Management practices are designed from the value chain, in nine dimensions: Strategy, Strategist, People Management, Management Value, Financial Management, Management Operations, Marketing, Systems Information and Governance. To build the data collection was used the conceptual references cited throughout the theoretical framework. Therefore, a questionnaire with 204 questions, including 160 questions directly related to the representation of these practices and 44 questions which bore the scope of the proposed objective. Consequently, there was obtained a robust questionnare to be answered in 60 minutes. Was coleted a sample of 197 respondents companies from various sectors of the economy, with 91 micro, 65 small and 37 medium busness. For analysis of these responses was used exploratory quantitative method, since the sample was non- probabilistic. Statistical techniques were used by SPSS software. First, was analysed an association between each of the 160 variables and the profitability through the Chi-square and Kendall tests. As a result were identified 32 variables with positive and significant association and 8 more variables with positive association. Based on these variables was applied to CATPCA analysis that resulted in 9 dimensions, which were submitted to Spearman correlation and multiple regression. These analyzes provide strong evidence about the direct correlation between the adoption of management practices and profitability and the size. To identify similar groups was used cluster analysis, which enabled comparing groups with different degrees of adoption and different profitability. Was noted the existence of a cluster in which more management practices lead to higher profitability, as well as other cluster who had lower management practices and smaller profitabilities. As a contribution to the management of MSMBs have been raised through the evidence regression graph and the provisions of the companies in the chart. Which management practices were presented are adopted by the most profitable and these were compared to companies of similar size and same industry with lower profitability, providing recommendations for the adoption of certain maneger practices. It is expected to contribute to the MSMBs leaders to see their business as companies that can evolve through management techniques and analyze their possible use, because as shown in this study, the association was positive in both cases, as profitability and size.
16

Návrh strategie vstupu českého malého a středního podniku na rakouský trh / Proposal of an entrance strategy of czech medium company to an austrian market

Zárybnická, Lucie January 2008 (has links)
Analysis of a position of a czech medium company on the czech market. Proposal of an entrance strategy of a medium company Prádelna a čistírna Jihlava, s.r.o. to an austrian market.
17

Smulkaus ir vidutinio verslo vystymosi Švenčionių rajone problemų sprendimų kryptys / Directions of problems solution developing small and medium business in Shvenchionys region

Delgiado, Rima 24 February 2010 (has links)
Nagrinėjama tema yra itin aktuali Lietuvoje, kadangi tik smulkaus ir vidutinio verslo kūrimasis ir plėtra didele dalimi lemia kiekvieno visuomenės nario gyvenimo kokybės kilimą. Tyrimo objektas koncentruojamas ties smulkiomis ir vidutinėmis įmonėmis, kurios sudaro didžiausią vystomo verslo skaičiaus šalyje. Pagrindiniu tyrimo tikslu pasirenkamas šių įmonių problemų nustatymas. Nusistatytais tyrimo uždaviniais buvo siekiama kryptingai išanalizuoti problemas, trukdančias verslo plėtrai, jų svarbumo nustatymui, bei problemų sprendimo krypčių radimui. Tyrimo būdu buvo siekiama atmesti arba pagrįsti darbe iškeltai hipotezei, kuri teigė, kad pagrindinė problema stabdanti SVV regionuose plėtrą, ten veikiančių įmonių intelektinio kapitalo stoka ir nepakakami jo ugdymo tempai. Problemų nustatymui ir rinkos situacijos vertinimui, buvo naudojami antriniai informaciniai šaltiniai, tokie kaip moksliniai straipsniai, anksčiau atliktų tyrimų duomenys, bei pirminiai informacijos šaltiniai, gauti apklausus smulkaus ir vidutinio verslo atstovus Švenčionių rajone. Atlikus tyrimą, susisteminus ir išanalizavus duomenis, gauti tokie rezultatai, kad pagrindinė problema stabdanti smulkių ir vidutinių įmonių plėtrą yra aukštas mokesčių lygis šalyje. Darbe iškelta hipotezė buvo dalinai patvirtinta. / The subject of research is very important in Lithuania, because the rise of each society member’s life quality mostly depends on the formation and development of small and medium business. The research object concentrates on small and medium companies which are the biggest part of developing business in the country. The main target of the research is to determine problems of these companies. Tasks of the research helped to analyze problems slowing business development, to determine their importance and to find the directions of problems solutions. It was aimed to reject or to justify hypothesis raised in the research which affirmed that the main problem slowing the development of small and medium business in regions is the lack of intelligence capital and insufficient rates of its education in operating companies. Secondary informational sources such as scientific articles, information of previously made researches and primary informational sources received from the survey of small and medium business in Shvenchionys region representatives were used for problems determination and evaluation of market situation. After the research is done and its data is structured and analyzed the received result is that the main problem slowing the development of small and medium companies is the high level of taxes in the country. The hypothesis raised in the work was partly confirmed.
18

Virtualaus marketingo sistemos taikymas mokslinės produkcijos leidybos versle / Virtual Marketing System‘s Implementation in the Publishing Business of Scientific Output

Misiūnaitė, Vilma 25 February 2010 (has links)
Elektroninio verslo vadybos magistro baigiamojo darbo tema yra aktuali, nes iki šiol mokslo įstaigos neskyrė didelio dėmesio konkurentabilios savo pozicijos formavimui rinkoje ir papildomų lėšų generavimui, dėl ko aukštųjų valstybinių mokyklų leidybinių institucijų reikšmė buvo nepakankamai įvertinta. Šiuo metu valstybinių mokslinių įstaigų pertvarkos planas lemia besikeičiantį valstybinių aukštųjų mokyklų statusą ir jų komercinio pobūdžio veiklą, kurios pagrindiniai tikslai yra pritraukti investicijų ir formuoti prestižinį įvaizdį. Viena iš priemonių, padedančių realizuoti šiuos tikslus, yra mokslinės produkcijos leidyba, kurios kokybinį lygmenį apibrėžia Mokslinės informacijos institutas. Pastarųjų reikalavimus realizuoti įgalina marketingas virtualioje erdvėje. Darbe analizuojama virtualaus marketingo sistemos struktūrinė sudėtis ir jos reikšmė LR mokslinės produkcijos leidybos verslo verslumui. Pirmą kartą tiriamas virtualaus marketingo sistemos priemonių pritaikymas švietimo ir mokslo sektoriuje, kaip priemonė užtikrinti finansinį potencialą. Mokslinė problema. Valstybinės aukštosios mokyklos savo veikloje neskiria pakankamai dėmesio investicijų pritraukimui. Valstybinių aukštųjų mokyklų reorganizavimo iniciatyvos skatina keisti požiūrį į mokslinių įstaigų veiklą, kuri įgauna komercinį pobūdį ir yra organizuojama laisvos rinkos bei intensyvesnės konkurencijos sąlygomis. Tyrimo objektas – virtualaus marketingo sistemos priemonių veiksnys Lietuvos mokslinės produkcijos... [toliau žr. visą tekstą] / The issue of the electronic business management master's final work is important because educational institutions have not paid attention to its position in the market and the generation of additional funds until now. It is the reason why the importance of the publishing institutions of higher educational institutions has been underestimated. At the moment the reorganization plan of higher educational institutions leads to the changing status of higher education institutions and their commercial nature, whose main objectives are to attract investment and create a prestigious image. One of the measures to realize these objectives is the publishing of scientific output, whose qualitative level defines the Institute of Scientific Information. Marketing in virtual space enables to realize the latter requirements. The final paper analyzes the structure of the virtual marketing system and its impotance to the entrepreneurship of the publishing business of Lithuanian scientific output. The application of the virtual marketing system‘s means in the education and science sector as a means to ensure financial potential have been studied for the first time. Scientific problem. The higher educational institutions do not pay enough attention to pull investments in. The initiatives to reorganize the higher educational institutions induce to change the approach to the activities of scientific institutions as commercial matters, which are organized under conditions of a free market and... [to full text]
19

Podnikatelský záměr na rozvoj zvoleného podniku / The business plan for the development of the company

KROTKÁ, Veronika January 2016 (has links)
Thesis is focused on the development of the business plan of the company WOLF dětem, which sells children's and baby range. The work deals with the evaluation of the current situation of the company through analysis of internal and external conditions. On the basis of these analyses and the results of the questionnaire investigation, it was determined the proposal of amendments for the improvement of the business plan.
20

Strategies to Minimize Profit Loss From Small Business Enterprise Credit Rejections

Nwagbo, Alfred 01 January 2018 (has links)
Institutional policies or terms and conditions of credit allocation complicate the demand and supply of small business enterprise (SBE) credit, causing lost profits. Banks leaders losing 28% of profitable projects because of the high rejection rate of credit applications for SBE loans is a concern. The purpose of this multiple case study was to explore strategies Southeastern Nigerian state bank leaders use to minimize lost profit from SBE credit rejections. The conceptual framework that grounded this study was credit rationing focused on the lender-borrower relationship. Data collection involved reviews of company documents and face-to-face semistructured interviews of 6 participants from 3 banks in the Southeastern Nigerian state. Based on the Schorr's modified data analysis approach, 5 themes emerged (a) credit rationing depends on sufficient information (b) business accounts statements are a fall back for credit availability (c) character may be more important than collateral (d) government policies are challenges to the formal banking system (e) profits may be a hedge for high-interest rates. Findings may be used to enhance the profitability of banks in the Southeastern Nigerian state. Implications for positive social change may include the support of community projects for individuals living at or below the poverty level in the region.

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