The Impact of Human, Structural, and Relational Capital on Product Development Performance in Manufacturing Organizations in Indonesia: Mediating Role of Organizational Learning Capabilities and R&D Resources

Dr. Waseem Ul Hameed, Javed Iqbal, Dr. Nadeem Maqbool (), Dr. Hisham Bin Mohammad and Shazma Razzaq
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Dr. Nadeem Maqbool: The Islamia University of Bahawalpur (IUB), Pakistan
Shazma Razzaq: Universiti Utara Malaysia (UUM), Malaysia

iRASD Journal of Management, 2020, vol. 2, issue 2, 56-68

Abstract: Purpose – The basic purpose of this paper is to analyze the debt financing of small and medium-sized enterprises (SMEs) in Pakistan through different modes from conventional and non-conventional (Islamic) institutes. Design/Methodology/Approach – Data is publicly available on databases and websites about debt financing of small and medium-sized enterprises (SMEs) of Pakistan, thus data is collected from these databases and websites in the form of articles and handbooks about Pakistan. Findings – It is found from the analysis that a lot of financing choices and modes are available for small and medium-sized enterprises (SMEs) in Pakistan. These modes are provided by both conventional and non-conventional (Islamic) financial institutes. All the debt modes are discussed in the paper. In addition, there are some drawbacks of debt financing that arises from conventional and non-conventional (Islamic) financial institutes, which alleviate small and medium-sized enterprises (SMEs) from adopting these modes Research Limitations/Implications – Some financial institutes, especially banks, lack knowledge and information about small and medium-sized enterprises (SMEs) in Pakistan. Banks could lessen it by acting as a mediator for small and medium-sized enterprises (SMEs). Originality/Value – This review paper's main contribution is to analyze the contribution of financial institutes in debt financing small and medium-sized enterprises (SMEs) in Pakistan. Paper discusses all the modes available for the small and medium-sized enterprises (SMEs) in Pakistan thoroughly through conventional and non-conventional (Islamic) financial institutes.

Keywords: SMEs; Debt Financing; Financial Institutes; Islamic Bank; Commercial Bank (search for similar items in EconPapers)
Date: 2020
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Persistent link: https://EconPapers.repec.org/RePEc:ani:irdjom:v:2:y:2020:i:1:p:56-68

DOI: 10.52131/jom.2019.0101.0016

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