Papers by mosharref hossain
Journal of Small Business Strategy, May 27, 2020
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In almost every developing country Small and Medium enterprises (SMEs) are treated as the engine ... more In almost every developing country Small and Medium enterprises (SMEs) are treated as the engine for economic growth and the availability of external finance for them is a topic of significant research interest to academics and policy makers around the globe. SMEs need improved access to finance especially for acquiring capital equipment and applications of new technology for operations. However, their access to finance is restricted because they do not have reliable credit histories, adequate capitalization or additional assets for collateral. Most of the financial institutions are reluctant to provide term loans or cash flow based lending to the SME sector. Thus, SMEs face severe disadvantages while trying to obtain financing relative to larger and more established firms. On the other hand, leasing is an asset-backed, term financing product. It focuses basically on the ability of lessee‟s cash flow generation from their regular business operations to service the lease payment, rat...
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ABC Journal of Advanced Research, 2013
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Firm growth has received profound attention due to its significant contributions towards the econ... more Firm growth has received profound attention due to its significant contributions towards the economy. Nonetheless, growth in the context of small firms is suffering from the absence of any unified theory or model. Based on the theory of Resource Based View (RBV), which argues that firms’ resources have direct and indirect effects on firms’ performance and growth, the study examined the relationship between resources such as finance, financial literacy of owner-managers, market orientation strategy, managerial capability, and small firm financial and non-financial growth in the context of Bangladesh. The study also considered the moderating role of government and private organizations support. A quantitative research approach was employed and a structured questionnaire was used as the research instrument. A survey design was adopted and the unit of analysis was small firms operating in Bangladesh and the owner-managers of the small firms were the respondents. The study employed non- ...
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Non-Bank Financial Institutions (NBFIs) are increasingly being recognized as complementary to the... more Non-Bank Financial Institutions (NBFIs) are increasingly being recognized as complementary to the banking system and perform a diversified range of functions through offering various financial services to individual, corporate and institutional clients. Nevertheless, the cost of funds of NBFIs is significantly higher than the banks as banks are the prime sources of funds for them. On the other hand, the availability of funds from banks is becoming inadequate day by day due to the involvement of banks with some similar functions of NBFIs. The study intended to identify the current scenario of the cost of funds of different groups of NBFIs and to find out the causal relationship of the internal factors with the cost of funds of NBFIs. The study finds that NBFIs established before 1990 shows higher equity contribution and total asset size which shows their ability to generate funds at a low cost for the reputation and public confidence. On the other hand, due to the high equity contrib...
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The economic and social importance of the Small and Medium Enterprise (SME) sector nowadays is we... more The economic and social importance of the Small and Medium Enterprise (SME) sector nowadays is well acknowledged in academic and policy literature.SMEs play a very momentous role in the economy in terms of economic growth, employment creation, entrepreneur development and export earnings. Small enterprises lack access to finance due to their own constraints as well as the financial institutions’ perception of high risk and high cost.This paper attempts to find out the problems encountered by small enterprises in obtaining loans from banks in Bangladesh and the major problems faced by banks while financing small enterprises.For collecting primary data from the small businesses, three hundred forty one (341) small enterprises were interviewed through the questionnaires.Survey results show that 65.39% enterprises received loans from banks, while 34.61% enterprises did not receive any loan. Small enterprises face several problems in obtaining loan from banks.It is evident that high inte...
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International Journal of Research in Commerce, Economics and Management, 2016
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European Journal of Business and Management, 2015
The economic and social importance of Small Enterprise (SE) sector nowadays is well acknowledged ... more The economic and social importance of Small Enterprise (SE) sector nowadays is well acknowledged in academic and policy literature. SEs play a very momentous role in all countries including the developing economy like Bangladesh by contributing toward sustainable economic growth, employment creation, entrepreneurship development and export earnings. Focussing on the small enterprises’ lack of access to finance due to their own constraints as well as the financial institutions’ perception of high risk and high cost, this paper reveals the problems encountered by the small enterprises in obtaining loans from commercial banks in Bangladesh and the major problems faced by commercial banks while financing small enterprises. Primary data collection reaches three hundred forty one (341) small enterprises where they were interviewed using a set of questionnaires administrated directly by the researchers. The survey results indicate that 65.39% enterprises received loans from banks, while th...
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The objective of the paper is to review the previous studies on factors affecting small business ... more The objective of the paper is to review the previous studies on factors affecting small business growth or performance for the period of 2006-2014. The review of the literature of factors affecting small business growth or performance based on the papers available in online and published in referred journals is focused. 34 papers are considered as the primary research topic. Each of the articles has been used as the unit of analysis. The four broad areas of factors has been focused namely owner-manager characteristics, characteristics of firm, financial factors and external environment. The paper provides some ideas and approaches used in the previous literature to describe small business growth and factors affecting the growth. The literatures suggest that there is no unified theory or model to describe small business growth. Although there are many studies on the issue, still the theory of small business growth is very fragmented and inconsistent. The new theoretical perspectives ...
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PsycTESTS Dataset
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Journal of Small Business & Entrepreneurship
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Marketing Intelligence & Planning
Purpose The purpose of this paper is to examine the influence of four organizational culture trai... more Purpose The purpose of this paper is to examine the influence of four organizational culture traits, consistency, cooperativeness, effectiveness and innovativeness, on radical and incremental type of service innovations, which leads to new service market performance (NSMP). Design/methodology/approach The data are collected through a cross-sectional survey of 171 bank managers in Bangladesh and analyzed through structural equation modelling using SmartPLS software. Findings The results reveal no impact of “consistency” as a cultural trait on “radical” and “incremental” service innovations. “Cooperativeness” and “innovativeness” impact incremental and radical service innovations positively. “Effectiveness” impacts radical service innovations positively. Radical and incremental service innovations impact NSMP significantly. Practical implications These findings add to the knowledge in terms of how organizational culture can make service innovations happen in the growing banking indust...
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Journal of Knowledge Management
Purpose This paper examines the influence of three dimensions of customer knowledge management – ... more Purpose This paper examines the influence of three dimensions of customer knowledge management – knowledge from customer, knowledge for customer and knowledge about customer – on innovation capabilities (speed and quality) and new service market performance. Design/methodology/approach The model links three dimensions of customer knowledge management to two dimensions of innovation capabilities. Further, the model links two dimensions of innovation capabilities to new service market performance. Analysis was conducted through structural equation modelling using SmartPLS software, using data from 253 managers representing 26 banks in Bangladesh. Findings The findings of this study show that knowledge from customer and knowledge for customer are the most influential predictors of new service market performance. Of the three dimensions of customer knowledge management, knowledge from customer turns out to be the strongest predictor of innovation quality and speed. Innovation quality ha...
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The Journal of Developing Areas
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International Journal of Academic Research in Business and Social Sciences
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Handbook of Research on Small and Medium Enterprises in Developing Countries, 2000
Among all the economic players, small enterprises (SEs), by number, dominate the whole world busi... more Among all the economic players, small enterprises (SEs), by number, dominate the whole world business segment. However, it is a very common problem for SEs, in every economy either developed or developing, to get access into formal financial sector. Working capital can be treated as the life blood for SEs to be operated. But unfortunately, most of the small enterprises face serious problem while obtaining such loan from banks. On the other hand, banks face a lot of problems to finance working capital to SEs. Therefore, this chapter intends to identify the problems faced by SEs in obtaining and by banks while financing working capital. A total of 413 small enterprises were interviewed through a structured questionnaire administrated directly by the researchers and selected purposively from the capital city (Dhaka) of Bangladesh. The major findings indicate that about 72% small enterprises got the access into banks for working capital loan although all of them face a lot of problems while obtaining such loan from banks. To identify the problems and challenges faced by banks while financing working capital to SEs, 34 commercial banks' officials working in SME department were interviewed through questionnaire and selected purposively based on their high involvement into SME sector lending. Bankers encountered different problems and challenges related to working capital financing in SEs. Based on the survey findings, a good number of solutions have been formulated for policy initiatives.
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Asian Business Review, 2015
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Papers by mosharref hossain