Small and Medium Enterprises (SMEs)

  One of the main problems of SMEs is how to finance their investments. The role of banks in this regard is crucial, since they can be a type of sources of financing through lending credits directly to SMEs. The key role of the paper thus relies on analyzing the effect of SMEs financing by the Iranian banking system.   The objective of this paper is to determine the influence of loans demanded by the SMEs on finance performance of the various Iranian banks. In addition, it studies the role of other important characters related to lending, bank efficiency, and economic performance in finance to SMEs through the banking system.   It is motivated by the hypothesis that macroeconomic-cyclical indicators and bank-specific variables influence the nonperforming loans in the banking system. This is carried out by an application to a logit model. Our findings indicate that several variables have significant effects on nonperforming loans in the Iranian banking system . Return of asset, equity return, SME loan to total loan ratio, inflation, current asset to current liabilities ratio, total SMEs€™ loans to total liabilities ratio and total SMEs€™ loans to total assets ratio have the pronounced significant impacts on nonperforming loans of the Iranian banking . The coefficient of loans to SMEs is significantly positive, which implies that a loan to SMEs increases nonperforming loans method while raising risks to the banking system. JEL Classification: C35, D22, E51

In the current business environment and the post-corona era, quality information builds the foundation of knowledge sharing and facilitates business process management, and all of these play a fundamental role in the innovative performance of small and medium enterprises (SMEs). Therefore, the purpose of this research is to investigate the effect of information quality on the innovative performance of SMEs concerning the mediating role of knowledge sharing and business process management. The research method is applied in terms of the goal and the descriptive survey is in terms of the method. The statistical population of the research is 460 SMEs in Kerman, of which 210 companies were selected as a statistical sample based on Morgan’s table. The sampling method is random sampling, and the research tool is a questionnaire whose validity and reliability were confirmed. Finally, 420 questionnaires were distributed among managers and vice presidents of companies. The data was analyzed with SPSS 26 and SmartPLS 3 software. The results of the research indicate that knowledge sharing and business process management play a mediating role in influencing the quality of information on the innovative performance of SMEs. Information quality has an impact on knowledge sharing, business process management, and innovative performance of SMEs. Knowledge sharing and business process management affect the innovative performance of SMEs. SMEs should continuously improve the quality of company information, and by using this information, and through knowledge sharing and business process management, improve innovative performance.