The aim of this research was to discover the issues influencing the adoption of e-commerce by small and medium business enterprises (SMEs) in the Australian Capital Territory (ACT). The demand aspect of the theory of diffusion of innovation enabled the formulation of a number of research propositions which formed the focus for this research. Seventy-five randomly-selected SMEs within the ACT were interviewed. Of these seventy five, fifty had adopted e-commerce and twenty-five had not. Findings complemented results from other studies, but also added to them. Factors from the demand aspect of the theory of time, resources (personnel, financial, technological), business organisation, size, return on investment, push by outside agencies or clients, and communication channels were found to be of little importance. Of greater importance were characteristics of the SME operators themselves (such as their innovativeness, their relative youth and educational level), the size of their business, the number of years it had been operating, and marketing issues. A prime consideration was that of attaining and maintaining a competitive edge over their competitors. Security and privacy issues were of little consideration prior to the adoption process, but became of much greater importance once SMEs had adopted e-commerce. Some things discovered by this research that have not appeared in the reporting of other studies included: � The importance of tertiary education for the primary decision-makers in the organisation; � The role banks played in the adoption process; � The high cost and difficulty of compliance with government regulations, especially regarding the employment of staff; and � The lack of use of specifically established communication channels, set up by government bodies or associated industry organisations to educate and inform SMEs about the potential and process of e-commerce. Results of this research have implications for a large number of associated stakeholders � government, educational institutions, and trade, industry and professional associations � and as such deserve to be widely disseminated.

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.