The Impact of Harmonious Culture and Entrepreneurship Training on Loan Repayment Performance at Microfinance in Indonesia (original) (raw)
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Harmonious Culture-Based Computer Application Model to Assess Microfinance Institution Performance
Proceedings of the 1st International Conference on Social Sciences (ICSS 2018), 2018
Correct performance assessment is essential to determine the health of microfinance institution. Various tools are used to measure the performance, among others, financial ratio and service. Those tools refer mostly to commercial bank standard that has different market orientation. The research aimed to assess non-financial performance using harmonious culture designed into a computer application model. Exploratory sequential mixed methods research design used to build the model. Data were collected through in-depth interview with the head of microfinance institutions to build instrument survey and then conducted interpretation to build the model. The qualitative study result indicates that non-financial performance in form of risk management and general management had been legitimated by harmonious culture. The quantitative study result found five dimensions of risk management used in building the model. Those dimensions were credit quality, collateral quality, customary rules, traditional leaders, and belief to karma law. The dimensions had a significant influence on performance. General management consisted of prayer buildings construction, religious activities, facilities and infrastructures construction, cultural festivals, funerals, wedding ceremony, education, health, art groups, and business groups had influence on performance. The model developed could facilitate the non-financial performance calculation. The non-financial performance assessment model could be developed according to the existing environment. Microfinance institution administrators had a new alternative to assess performance that is easier to understand by the employees.
CERN European Organization for Nuclear Research - Zenodo, 2022
Performance is an important factor in the survival of MSME actors. The small business sector in Bali is in dire need of continuous performance so that the welfare of business actors can be sustainable. Culture is the thing that distinguishes each region in carrying out its business ethics, by adhering to culture, a sector that is solid in maintaining a green environment, human relations and God. This study wants to examine the moderating role of Local Wisdom (Tri Hita Karana) on Competence and Business Performance of small businesses. Quantitative method is used with purposive sampling technique of 86 samples from the Slovin formula. Moderation Local wisdom provides a competency boost to performance. The existence of caring for the environment, others and adhering to God's teachings, norms and responsibilities become greater.
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The Knowledge of Culture Create Good Entrepreneurs in the Business World
Three hundred years ago, societal, cultural and geographic situations were different. The information took time to travel within the society, state, country and around the world. The thought process regarding their business, progress and innovation were very limited. The Indian family structure was like a Banyan tree. The family members were nurtured automatically through elderly protection. The entrepreneur was the part of the family and society at large. The transfer of knowledge regarding family business was popular and the learning process was by observation. What is acceptable, and what is not; what is societal of value, and what is not; safe and sustainable decided by the norms of basic requirement. The knowledge of culture helps the entrepreneurs to understand the requirement of people and their traditional necessities time and opportunities both. The human requirements are the basic mother of innovation and new research. The new ideas give the birth of an entrepreneur. This paper will analyze the successes of business through practical knowledge of culture and add value to the products. It challenges norms and realigns expectations, often with a willful disregard for future consequences as it embraces disruption and change, again leading to a disparity between aspirations to do good and a desire to disrupt.
Mediterranean Journal of Social Sciences, 2019
The research endeavor to inspect the effectiveness of "training and development" (TD) on employee performance (EP), an outcome acquired from the examination, along these lines, could be extrapolated and connected to the training incline that exists within banks that work in Erbil Kurdistan region government (KRG). The procedure was in four banks of both sectors i.e. open and private. The outcomes were acquired by utilizing structural equation modeling (SEM-PLS) on important factors by Algorithm to measure indicators in reflective way ; the R2 results 0.604 employees motivation (EM), and 0.639 (EP). The goal of the examination is to seek factors affecting employee's performance. Therefore, the findings proposed that (TD) of employees work environment, and employee's creativity has a most significant effect on enhancing employee's performance. The examination reasoned that with breakdown the productivity of any association which needs to get to the efficiency per unit from the input information's.
Human Relations
Past research has shown a close connection between organizational culture and effectiveness, but nearly all of this research has examined the direct effects of culture on performance outcomes. In contrast, this article examines the idea that the effects of cultural consistency on organizational performance may differ depending on the levels of other culture traits. Data from 88,879 individuals in 137 public companies using the Denison Organizational Culture Survey were paired with three objective measures of organizational performance and used to examine the interaction effects of consistency with mission, adaptability, and involvement. Consistency shows a significant positive interaction with all three traits in predicting market-to-book ratios and sales growth. Firms that are both consistent and adaptable, for example, are high performers. In contrast, the results show a significant negative interaction when predicting return on assets. The implications of these results are discus...