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Small Business Loans ActDewhirst, Gordon Hedley January 1967 (has links)
The Small Businesses Loans Act was designed
to increase the flow of funds for capital purposes
from the banking system to small firms in the Canadian
economy. This study examines the need for this legislation.
The major sources of funds for small business
are discussed and the question of the adequacy of these
financing facilities is considered. This part of the
study concludes that the 'MacMillan Gap' in Canada
has been narrowed in the post-war period, but not yet
closed.
The study then examines the effectiveness of
the Small Businesses Loans Act in bridging the remaining
gap. The legislation, and the record of
borrowing under the Act are reviewed. Particular
attention is directed to the effects of monetary
policy on the volume of lending under this Act. The
study also includes an examination of the experience
of a sample of borrowers, their characteristics, the purposes for which loans were obtained and banking
practices with respect to this lending program.
The conclusions of the study suggest that the
Small Businesses Loans Act has fulfilled a useful
role in improving the financial facilities available
to small business despite a number of deficiencies
in the legislation. It is also suggested however
that the need for this legislation has largely been
removed by recent amendments to the Bank Act. / Business, Sauder School of / Graduate
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The influence of customer-supplier relationships through the facilitation of credit on the development of micro enterprises in the Sobonakhona Makhanya tribal area of KwaZulu-NatalMaome, Itumeleng Judith January 2009 (has links)
Submitted in compliance with the requirements for the Masters Degree in Technology: Business Administration, Department of Entrepreneurial Studies and Management, Durban University of Technology, 2009. / The purpose of this study is to identify the influence of customer-supplier
relationships through facilitation of credit on the development of Micro enterprises
in the Sobonakhona Makhanya Tribal Area of KZN. This study originates from the
fact that there are many SMME‟s in South Africa, absorbing about 15 million
people (DTI, 1995:7). Even though this sector is providing most of the
employment in the country, they still find it difficult to arrange funds to start or
expand their businesses. Lending institutions do not want to provide finance for
them, and if they do, they do it with reluctance and reservations. As a result,
SMME‟s are not able to grow and develop into big businesses.
This is a quantitative and exploratory research study which was used to explore,
for the first time in Sobonakhona Makhanya Tribal area, the relationship between
customer-supplier relationships and accessibility of credit facilities. The study
made use of questionnaires to obtain the respondents‟ perceptions on the
research questions developed. A questionnaire that consisted of 35 questions
was distributed to 50 SMME owners in Adams Mission, Madundube and
Umbumbulu (AMU) villages. Cronbach‟s reliability analysis was not applied as it
was not appropriate for use with this questionnaire.
The research showed that a relationship between customers and suppliers
assists SMME‟s to obtain access to credit facilities. Added to this, SMME owners,
who had access to credit facilities, experienced positive changes in their
businesses. This serves to prove that access to credit is essential for the
development of SMME‟s. As a result, recommendations to train and educate
SMME owners on how to manage their businesses, how to apply for credit and
the requirements needed for applications have been set out.
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Die oorweging van die lewensvatbaarheid van 'n kleinsake-onderneming in die praktyk : 'n konsepsuele modelNel, Bernardus Gerhardus 03 1900 (has links)
Thesis (MBA)--University of Stellenbosch, 1994. / ENGLISH ABSTRACT: This research attempts to give an alternative conceptual model according to which potential
small business owners should construct market and financial viability studies for proposed
new small enterprises.
A study was made of the theoretical requirements prescribed for market and financial
viability. This theoretical requirements were compared to the extent in which data is
presented in practice to financial institutions to meet their own viability requirements.
Primary data was collected from the subsidiary companies of ABSA Bank and small business
owners in the Cape Peninsula.
The final analysis suggests that very few small business owners conduct thorough market
or financial viability studies during start up or during the different growth phases of their
businesses. They rely mostly on banks and other financial institutions for guidance.
A suggestion is made that financial institutions conduct their own research to determine
whether their requirements for market and financial viability are still viewed as realistic by
small business owners. / AFRIKAANSE OPSOMMING: Die navorsing poog om 'n alternatiewe konsepsuele model weer te gee waarvolgens
potensiele kleinsake-eienaars mark- en finansiele lewensvatbaarheidstudies vir voorgenome
nuwe klein ondememings behoort uit te voer.
'n Studie is van die voorgeskrewe teoretiese vereistes vir mark- en finansiele
lewensvatbaarheid gedoen. Hierdie teoretiese vereistes is vergelyk met die mate waartoe
sulke data wel deur kleinsakelui aan finansiele instansies aangebied word om aan hulle eie
lewensvatbaarheidvereistes te voldoen.
Primere data is versamel by die filiale van ABSA Bank en kleinsake-eienaars in die Kaapse
Skiereiland.
Die gevolgtrekking word gemaak dat baie min kleinsake-eienaars wel deeglike mark- en
finansiele lewensvatbaarheidstudies doen gedurende die aanvang van hul besighede of
gedurende die onderskeie groeifases van hul ondernemings. Hulle steun meesal op banke
en ander finansiele instellings om leiding te verskaf.
Daar word voorgestel dat finansiele instellings ook navorsing doen of die vereistes wat hulle
stel vir lewensvatbaarheid, nog steeds as realisties deur kleinsakelui beskou word.
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Predication of financial distress and bankruptcy in Alternative Exchange (AltX) listed companies.Tchantcheu, Benedict Guylin January 2015 (has links)
M. Tech. Business Administration / Financial distress and bankruptcy is one of the most significant threats to the going concern of many businesses, irrespective of their size and nature of operations. Research in corporate financial distress and corporate failure prediction dates back to the mid-sixties, and the bulk of the studies have been conducted within the context of highly developed market economies. Very little research has been conducted within the context of emerging markets, and using small and medium-sized firms. This therefore encouraged the author of this research report to conduct a study, applying a model specifically developed for emerging economies to predict financial distress of small and medium-sized South African listed firms. The main purpose of this study is to examine whether a model designed for financial distress prediction and credit scoring in emerging markets is reliable, and can be accurately applied in South Africa.
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Development of a critical success factor assessment for small organisationsMaritz, Anna-marie 03 1900 (has links)
Thesis (MBA)--Stellenbosch University, 2001 / ENGLISH ABSTRACT: Small businesses are the traditional source of local and national economic
growth. Small businesses in South Africa absorb almost half the people formally
employed in the private sector and contribute nearly thirty seven percent to the
country's gross domestic product. Unfortunately small businesses also have the reputation of a high failure rate some literature quote figures as high as sixty six percent of all small businesses
within the first six years of their existence. An Australian survey indicated that nearly sixty five percent of all business
failures were caused by controllable factors, which implicates that the use of
consultants, or simply better management of the small business, could have
prevented the failure. This study explains why small business owners are so
reluctant to make use of outside consultants and looks into the most common
causes of small organisation failure.
This research project is designed as an incremental development study, where
an existing model is adjusted to focus on a smaller nische market. A consulting
model, developed to use in large organisations, was evaluated by identifying the
problem areas that most often cause small organisations to fail and then
comparing them to the areas addressed in the existing model. The conclusion reached was that although this model will definitely help small business owners
to improve their businesses, it doesn't address the mest common causes of
small business failure and adjustments is needed to customise this product for
the small organisation.
Based on the available data on the most common causes of small organisational
failure, a new model is developed, which addresses the specific causes of small
organisation failure.
The new model gives examples of what would be in place in an organisation
where the relevant critical success factor is successfully implemented as well as
examples of what the situation will be if the relvant factor is absent. The small
business owners evaluate themselves on a scale of one to ten. The model has a
dual purpose, firstly to create an awareness with the owner of the full spectrum
of factors that need to receive attention in a small organisation, and secondly to
give a benchmark against which progress on each of the critical success factors
can be measured. / AFRIKAANSE OPSOMMING: Klein besighede vorm die ruggraat van die Suid Afrikaanse ekonomie, met byna
sewe-en-dertig persent van die Bruto Nasionale Produk (BNP), wat aan klein
besighede toegeskryf kan word en as werkverskaffer aan bykans die helfte van
alle werknemers wat formeel in diens is van die private sektor. Ongelukkig het
klein besighede ook die reputasie van 'n groot mislukkingskoers met mislukkings
so hoog as ses-en-sestig persent van alle klein besighede in die eerste ses jaar
van die ondernemings se bestaan.
'n Australiese studie het getoon dat ongeveer vyf-en-sestig persent van die
oorsake van klein besigheid mislukkings aan beheerbare faktore toegeskryf kan
word. Met ander woorde hulp van konsultante, of bloot beter bestuur van die
klein besigheid, kon die mislukking verhoed het. Hierdie werkstuk kyk na redes
hoekom konsultante so min deur klein besighede gebruik word en na die mees
algemene oorsake van klein besigheid mislukkings.
Die werkstuk neem die vorm aan van 'n inkrementele ontwikkeling studie waar 'n
reeds bestaande evaluasie model, aangepas word om te fokus op 'n kleiner
nismark. 'n Konsultasie model, wat ontwikkel is vir gebruik in die diagnostiese
fase van die konsultasieproses vir groot besighede, is ondersoek en daar is
gekyk watter van die mees algemene faktore vir klein besigheid mislukking in hierdie model aangespreek is. Die gevolgtrekking was dat alhoewel die model
definitief klein besigheids eienaars sal help om hul organisasies te verbeter, dit
meeste van die oorsake vir mislukking in klein besighede nie direk aanspreek
nie, en dat aanpassings van die model nodig is.
Gebasseer op reeds bestaande navorsing oor die oorsake van klein besigheid
mislukkings, is 'n nuwe model ontwikkel, wat spesifiek gerig is daarop om die mees
algemene oorsake van mislukking aan te spreek.
Die hersiene model gee voorbeelde van wat in plek sal wees in 'n organisasie
waar die kritieke suksesfaktor suksesvol geimplementeer is asook voorbeelde
van hoe die situasie daar sal uitsien indien die relevante faktor afwesig is. Klein
besigheidseienaars evalueer hulself op 'n skaal van een tot tien. Die doel van die
model is tweeledig, eerstens om die eienaar attent te maak op die volle omvang
van faktore waaraan aandag gegee moet word, en tweedens om 'n riglyn te bied
waarteen vordering op elkeen van die kritieke sukses faktore gemeet kan word.
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The impact of interest rates on small businesses and local economies.Zandamela, Horácio Lucas January 1998 (has links)
A research report submitted to the Faculty of Management, University of
the Witwatersrand, in partial fulfilment of the requirements for the
degree of Master of Management (in the field of Public and Development
Management). / Many debates have been waged about the effect of the interest rate ceilings
on the provision of financial services to small businesses. It has been
considered as one of the major constraints in small business access to capital
and it is also considered a major inhibitor of small business development. The
present study attempted to determine whether interest rate ceilings should be
undertaken or not, and how in a South African socio-political context this
would help small business development. Concomitantly, it was considered
how the interest rates affect small businesses according different purposes,
size and terms of loans.
A case study method was used to pursue this research. The case study of
Mamelodi Township (Pretoria) and Kildare/Jonkllanqa village (Mhala District -
Northern Province) were undertaken. Open-ended interviews with borrowers
and financial institutions (providers) were conducted. The result of the
interviews was analysed and reinforced with an analysis of national and
international secondary literature.
One of the main findings of the research was that interest rates ceiling are
necessary and substantial in helping small business development. It was
established that interest rate ceilings have to be considered in a flexible
manner, accordlng specific conditions of small business activity. It was also
concluded that interest rate ceilings have to be a consequence of a regulatory
framework which enables small business access to capital, and, thus,
development of their local community. The result of the research likewise, has
indicated that for small, short term, working capital loans, the impact of
interest rates on borrowers is smaller than for larger, longer term borrowers.
The effect of the circulation of resources in a community in the case of a lower
level interest rates deserves more investigation but there are primary
indications of some positive impact on. / Andrew Chakane 2019
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The influence of customer-supplier relationships through the facilitation of credit on the development of micro enterprises in the Sobonakhona Makhanya tribal area of KwaZulu-NatalMaome, Itumeleng Judith January 2009 (has links)
Submitted in compliance with the requirements for the Masters Degree in Technology: Business Administration, Department of Entrepreneurial Studies and Management, Durban University of Technology, 2009. / The purpose of this study is to identify the influence of customer-supplier
relationships through facilitation of credit on the development of Micro enterprises
in the Sobonakhona Makhanya Tribal Area of KZN. This study originates from the
fact that there are many SMME‟s in South Africa, absorbing about 15 million
people (DTI, 1995:7). Even though this sector is providing most of the
employment in the country, they still find it difficult to arrange funds to start or
expand their businesses. Lending institutions do not want to provide finance for
them, and if they do, they do it with reluctance and reservations. As a result,
SMME‟s are not able to grow and develop into big businesses.
This is a quantitative and exploratory research study which was used to explore,
for the first time in Sobonakhona Makhanya Tribal area, the relationship between
customer-supplier relationships and accessibility of credit facilities. The study
made use of questionnaires to obtain the respondents‟ perceptions on the
research questions developed. A questionnaire that consisted of 35 questions
was distributed to 50 SMME owners in Adams Mission, Madundube and
Umbumbulu (AMU) villages. Cronbach‟s reliability analysis was not applied as it
was not appropriate for use with this questionnaire.
The research showed that a relationship between customers and suppliers
assists SMME‟s to obtain access to credit facilities. Added to this, SMME owners,
who had access to credit facilities, experienced positive changes in their
businesses. This serves to prove that access to credit is essential for the
development of SMME‟s. As a result, recommendations to train and educate
SMME owners on how to manage their businesses, how to apply for credit and
the requirements needed for applications have been set out.
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The accessing of finance by Small Medium Micro Enterprises in the Mafikeng / Karabo KhibaKhiba, Karabo January 2006 (has links)
The research study investigates some of the problems or challenges faced by SMMEs in
the Mafikeng and Mmabatho area of the North West province. It strives to find out the
extent to which these problems occur and the impact they have on these businesses. The
research focuses on a number of major problems considered to be hindering the growth of
SMMEs in this area, namely the lack of entrepreneurial management, financial skills,
accessing finance and the role played by lack of financial and mentoring support on the
success or failure of SMMEs.
Some of the significant findings of this study are that the majority of the businesses fail
because of lack of access to finance, lack of entrepreneurial skills and lack of mentoring
support from the government. The government and banks should make it easier for
SMMEs to access finance. The government should act as collateral for SMMEs to secure
finance from commercial institutions. The government should involve the private sector
in training SMMEs to acquire entrepreneurial skills. This will help SMMEs to run their
businesses professionally and therefore become sustainable. This will impact positively
to the economic growth, in terms of job creation to the entire province
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The accessing of finance by Small Medium Micro Enterprises in the Mafikeng / Karabo KhibaKhiba, Karabo January 2006 (has links)
The research study investigates some of the problems or challenges faced by SMMEs in
the Mafikeng and Mmabatho area of the North West province. It strives to find out the
extent to which these problems occur and the impact they have on these businesses. The
research focuses on a number of major problems considered to be hindering the growth of
SMMEs in this area, namely the lack of entrepreneurial management, financial skills,
accessing finance and the role played by lack of financial and mentoring support on the
success or failure of SMMEs.
Some of the significant findings of this study are that the majority of the businesses fail
because of lack of access to finance, lack of entrepreneurial skills and lack of mentoring
support from the government. The government and banks should make it easer for
SMMEs to access finance. The government should act as collateral for SMMEs to secure
finance from commercial institutions. The government should involve the private sector
in training SMMEs to acquire entrepreneurial skills. This will help SMMEs to run their
businesses professionally and therefore become sustainable. This will impact positively
to the economic growth, in terms of job creation to the entire province. / (MBA) North-West University, Mafikeng Campus, 2006
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The role of situational leadership in small business management among Pietermaritzburg Chamber of Business members.Bamata, Nkombe Herman. January 2013 (has links)
Leaders within South African organisations and corporations are faced with
challenges such as over-management and under-leadership. While management is
about coping with complexity, leadership is about coping with change. In the actual
business environment, foremost changes are progressively necessary for business
survival and effective competition. In fact, the effective leadership is measured by
organisational effectiveness. However, by displaying an effective leadership,
leaders are called not only to influence subordinates but also enable them to
achieve the organisational goals. Therefore, the effective leadership will not be
focused on supremacy but on the organisational achievement. This requires an
important and permanent participation and consultation of all team members.
The present research study is focused on the analysis of the role of situational
leadership in the context of small business management. The main purpose of this
research is to examine and to critically evaluate the use of different situational
leadership styles in the management of small businesses. This study has sought to
review leader obligations and the evolution of these leadership styles in small
business management. The study has intended to provide the fundamental
empirical evaluation of the role played by situational leadership in small business
management.
The sample for the present research has been identified from within the
Pietermaritzburg Chamber of Business (PCB). A random sample has been drawn
from the SMEs within the membership, using standard sampling techniques and
methodologies. The population was consisting of small businesses that are
members of the PCB.
The findings of this research have shown the positive impact that a situational
leadership model has in small business management. In fact, small business
owners and leaders will be inspired to understand the managerial role of the
appropriateness behavioural style in the contextual business situations. Also, the
study recommended that owners and leaders of small business should ameliorate leader sovereignty and follower skills, as these often interact in predicting poor
follower performance and attitudinal responses. In addition, the present study has
provided the tools necessary for small business owners, to guide the improvement
and effectiveness of personal leadership. / Thesis (M.Com.)-University of KwaZulu-Natal, Pietermaritzburg, 2013.
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