PERILAKU MENCARI PEMBIAYAAN USAHA KECIL DAN MENENGAH: SEBUAH ANALISIS ISI TERHADAP ARTIKEL XIANG & WORTHINGTON (2015) DAN SAEED & SAMEER (2015)

Alexander Joseph Ibnu Wibowo

Abstrak


Currently, there are relatively few studies that have examined the comparison between the finance-seeking behavior for small and medium-sized enterprises in developed and developing countries. In general, this study aims to analyze differences in finance-seeking behavior between enterprises from Australia and Pakistan, including identifying various antecedents of finance-seeking behavior by enterprises in both countries. For this reason, we conducted an exploratory study through a content analysis of two scientific journal articles. Specifically, we systematically examine two scientific journal articles that discuss access to finance by small and medium-sized enterprises, both in terms of substance and methods. The first article was written by Xiang and Worthington and the second article was written by Saeed and Sameer. We found that the study of Xiang and Worthington succeeded in identifying various antecedents of finance-seeking behavior at the micro (internal) level, such as business objectives, profitability, growth, product and service quality, business ownership, business size, business life, and government assistance. On the other hand, the study of Saeed and Sameer revealed that there were other antecedents at the meso level (external or industrial) that could influence the search for enterprise financing, namely the concentration of the banking industry. In conclusion, the study of Saeed and Sameer further complements the study of Xiang and Worthington in identifying various antecedents of finance-seeking behavior.

 

Saat ini ada beberapa studi yang meneliti perbandingan antara perilaku pencarian keuangan untuk usaha kecil dan menengah di negara maju dan berkembang. Secara umum, penelitian ini bertujuan untuk menganalisis perbedaan perilaku pencarian keuangan antara perusahaan dari Australia dan Pakistan, termasuk mengidentifikasi berbagai anteseden perilaku pencarian keuangan oleh perusahaan di kedua negara. Untuk alasan ini, kami melakukan studi eksplorasi melalui analisis konten dari dua artikel jurnal ilmiah. Secara khusus, kami secara sistematis memeriksa dua artikel jurnal ilmiah yang membahas akses ke keuangan oleh perusahaan kecil dan menengah, baik dari aspek substansi maupun metode. Artikel pertama ditulis oleh Xiang dan Worthington (2015) dan artikel kedua ditulis oleh Saeed dan Sameer (2015). Kami menemukan bahwa penelitian Xiang dan Worthington  berhasil mengidentifikasi berbagai anteseden perilaku pencarian keuangan di tingkat mikro (internal), seperti tujuan bisnis, profitabilitas, pertumbuhan, kualitas produk dan layanan, kepemilikan bisnis, ukuran bisnis, kehidupan bisnis, dan bantuan pemerintah. Di sisi lain, studi Saeed dan Sameer mengungkapkan bahwa ada anteseden (penentu)  lain di tingkat meso (eksternal atau industri) yang dapat mempengaruhi pencarian pembiayaan perusahaan, yaitu konsentrasi industri perbankan. Sebagai kesimpulan, studi Saeed dan Sameer lebih lanjut melengkapi studi tentang Xiang dan Worthington dalam mengidentifikasi berbagai anteseden perilaku pencarian keuangan.


Kata Kunci


Keputusan Keuangan ; UKM ; Struktur Modal ; Hutang dan Modal ; Investasi ; Kendala Keuangan ; Studi Penjajakan ; Analisis Isi

Teks Lengkap:

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Referensi


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DOI: https://doi.org/10.24198/adbispreneur.v4i1.18659

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