MATRIX 1

The Factors Affecting the Financial Stability of Micro-Enterprises in the Local Area of Libis, Brgy. 175, Camarin, Caloocan City
Factors Affecting Financial
Development Of Sustainable Manufacturing Factors Affecting The Performance Of Small
Stability Of Small And Medium
TITLE Performance Evaluation Expert System For Small And Micro Enterprises (SMEs) Traders At City
Enterprises: A Case Study Of
And Medium Enterprises Park Hawkers Market In Nairobi County, Kenya
Emerging Markets
Nonhlanhla Mbatha and Sujit Singha, Ezutah Udoncy Olugua and Siti
AUTHOR Nabintu Ntakobajira
Musawenkosi Ngibe Nurmaya Musa
PUBLISHING
February 2017 July 2 2016 2013
DATE
http://erepository.uonbi.ac.ke/bitstream/handle/
PUBLISHING Faculty of Accounting and Department of Mechanical Engineering, Faculty of 11295/52388/Nabintu_Factors%20affecti
ng%20the%20performance%20of%20small%
HOUSE/WEB Informatics, Durban University of Engineering, University of Malaya, Kuala Lumpur, 20and%20micro%20enterprises.
LINK Technology, South Africa Malaysia pdf?sequence=3&isAllowed=y

Fataroki (2014, cited in Mbatha &
Ngibe, 2017) mentioned that there
are several challenges that the
SMEs mostly encountered which
included accounting skills, risk
CONTENT:
management, general management,
Factors
professionalism, and green
Affecting
business that can be happen within
Financial
and outside of the business which
Stability
can greatly affect the development,
sustainability and growth of SMEs.
The financial situations occur when
the business owner failed to
maintain the management of its
own assets.
PAGES pp. 7 – 8
In the findings of Mbatha & Ngiebe (2017), they As stated in Ntakobajira (2013), it was shown
show that the most common factors that influenced that the lack of capital resources affects the
financial stability were lack of integration among performance of SMEs in different aspects of the
staff, lack of understanding of financial reporting and business which will prevent the business from
capability of employees in understanding it, and the running it functionally.
slow growth of the economy. It was indicated that
managing accounting system of a business is the
most important in maintaining the growth of the
business since it will be the basis of understanding
the effectiveness of efficiency of its operation. If the
business failed to manage the accounting system may
lead to different kind of risks that may encounter
during on its operation.
pp. 10 - 11 p. 52
 MATRIX 1

The Factors Affecting the Financial Stability of Micro-Enterprises in the Local Area of Libis, Brgy. 175, Camarin, Caloocan City
How to Write a Business Plan: Your Effective Business Planning:
TITLE Financial Stability of Microenterprises
Executive Summary A Key to Successful Enterprises
Dongol Rina &
AUTHOR Melinda Emerson Mabel O. Lopez
Neupane Basudha
PUBLISHING
December 4, 2015 February 2, 2019 August 2014
DATE
PUBLISHING https://www.linkedin.com/pulse/how-write-
Batangas, Philippines: Batangas State Vantaa, Finland: Laurea University of Applied
HOUSE/WEB business-plan-your-executive-summary-
melinda-emerson University. Sciences
LINK
Emerson (2015) said that “A business As stated by Aguila, Alforque, and Villostas Business will not operate properly if it is not
plan is the small business owner’s (2017, as cited in Lopez, 2019), laws and relying on the plan, the success of its operation
hypothesis of what they think will regulations must be follow in starting a will depends on the plan and strategy that will
happen in once they open for business.” business which will allow to the owners to use achieve its objectives. Business planning is
Planning for a business is the most secure their business. The starting business probably the most important equipment an
important task when they want to start a can assure its financial stability if the owners entrepreneur has while upcoming with the
business since it will be their guide to take a part on the support of the business so it mission of opening and operating business.
keep the operation of the business from can grow potentially (Rina & Basudha, 2017)
CONTENT: the situations that may encountered by
Business Planning the businesses. However, through the
operation of the business the owner must
change the plan for the business because
not all of plans that are not updated will
always work. Changing of plan will not
ruin the flow of the business but it will
allow the owner to find a new strategy
that will able to manage the business
without causing any troubles while
running it.
PAGES N/A pp. 10 and 13 p. 8
 MATRIX 1

The Factors Affecting the Financial Stability of Micro-Enterprises in the Local Area of Libis, Brgy. 175, Camarin, Caloocan City
The Real Efficacy of Microfinance
Sector in Addressing Women
Access To Finance And Firm
Financial Stability of Empowerment and Poverty
TITLE Performance: Evidence From Microcredit
Microenterprises Alleviation Issues in Pakistan.
African Countries
International Journal Of Economic
Research

AUTHOR Babajide Forowe Mabel O. Lopez Adam Hayes Syed Shabib ul Hasan

PUBLISHING
June 2017 February 2, 2019 October 5, 2019 2012
DATE
PUBLISHING https://www.sciencedirect.com
Batangas, Philippines: Batangas https://www.investopedia.com/terms/m/mi https://www.ijeronline.com/documents/volumes/
HOUSE/WEB /science/article/pii/ crocredit.asp Vol%203%20Iss%204/ijerv3i4JuAu2012(12).pdf
S1879933717300106?via%3Dihub State University.
LINK
Forowe (2017) stated that the As stated in the study of Lopez Microcredit is the part of the In microfinancing, it is often seen as
insufficiency of the capital can (2019), the collection of all the microfinancing in which the a concept useful for achieving
be the primary factor that may debts written in the account small business owners involved sustainable development of an
prevent the small businesses to receivable is very important since in very small loans as support economy, it is often criticized for
achieve its success and unable to it will ensure the liquidity of the for their financial status which being not regulated such that lending
CONTENT:
reached its full potential to business that will converted into may apply in different needs of often happens informally and many
Financial
compete in the market. He also cash prompting into increasing the small firms, it is also involves potential borrowers are not aware of
Access and
added that lack of capital may working capital of a business. In an extremely small loan given to the benefits and risks of products
Microcredit
become the hindrance into the terms of capital, most of the an individual to help them and services offered by microfinance
growth opportunities for the business failed to understand that become self-employed or grow institutions and commercial banks.
small firms. capital is needed to be budgeted a small business. These In addition, many are not able to
properly in which in it will not borrowers tend to be low- access loans, mainly due to their
consume during the operation of income individuals, especially illiteracy or knowledge in regional
the business. from less developed countries languages (Hasan 2012).
(LDCs) (Hayes, 2019).
PAGES N/A p. 21 N/A N/A
 MATRIX 1

The Factors Affecting the Financial Stability of Micro-Enterprises in the Local Area of Libis, Brgy. 175, Camarin, Caloocan City
TITLE The Economy's Effects on Small Businesses
AUTHOR Lisa McQuerrey
PUBLISHING
February 04, 2019
DATE
PUBLISHING
HOUSE/WEB https://smallbusiness.chron.com/economys-effects-small-businesses-10269.html
LINK
Impact of a Strong Economy in a strong economy, nearly all businesses enjoy greater prosperity. Disposable income is high, unemployment is
low and consumer confidence prompts people to pump their money back into the economy through the purchase of essential and nonessential
goods and services. The impact of a strong economy on a small business is two-fold: as business increases, so too does the need for a small
business to keep pace with demand by hiring additional employees, expanding retail space or adding new product lines. While this may be
viewed as a positive, the downside is that if the economy starts to falter, many small businesses find themselves overextended, which can result in
mass layoffs and business failures. Impact of a Slow Economy During an economic slowdown, many small businesses face a number of
challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to
decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can
CONTENT:
negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and
Economic
operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This
Factor
limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy. Economy-Related Business
Opportunities Some types of small businesses thrive in a slow economy. For example, companies that are involved in facilitating home
foreclosures and vehicle and property repossessions find their businesses on an upswing during a slow economy. Additionally, small business
owners with solid and substantial financial backing may see an increase in expansion opportunities by buying out their struggling competitors or
absorbing the customer bases of out-of-business competitors. Economic Adaptation of Small Businesses Small businesses have an advantage
over large businesses when it comes to adapting to economic swings. Small businesses typically have a smaller decision-making base in terms of
leadership. Whereas a large company may need to call numerous stockholder meetings to discuss changes in business strategy and direction, a
small business is much nimbler in the decision-making process. Typically, a small business can make faster decisions to change course, increase
or decrease workforce or product offerings or significantly change the company image to adapt to a changing economy. (McQuerry, 2012)

N/A
PAGES
 MATRIX 2

The Factors Affecting the Financial Stability of Micro-Enterprises in the Local Area of Libis, Brgy. 175, Camarin, Caloocan City
The Real Efficacy of
Factors Affecting Microfinance Sector in Development Of Factors Affecting
Financial Stability Of Addressing Women Sustainable Financial Stability Of
Small And Medium Financial Stability of Empowerment and Manufacturing Small And Medium
TITLE Microcredit Poverty Alleviation Performance Evaluation
Enterprises: A Case Microenterprises Enterprises: A Case
Study Of Emerging Issues in Pakistan. Expert System For Small Study Of Emerging
International Journal Of And Medium Enterprises
Markets Economic Research
Markets
Sujit Singha, Ezutah Nonhlanhla Mbatha
Nonhlanhla Mbatha and Syed Shabib ul
AUTHOR Mabel O. Lopez Adam Hayes Udoncy Olugua and and Musawenkosi
Musawenkosi Ngibe Hasan
Siti Nurmaya Musa Ngibe
PUBLISHING
February 2017 February 2, 2019 October 5, 2019 2012 July 2 2016 February 2017
DATE
Faculty of Accounting Department of Faculty of Accounting
Batangas, https://www.ijeronline.com/
PUBLISHING and Informatics, https://www.investopedia.co Mechanical Engineering, and Informatics,
Philippines: documents/volumes
HOUSE/WEB Durban University of m
/Vol%203%20Iss%204/
Faculty of Engineering, Durban University of
Batangas State /terms/m/microcredit.asp University of Malaya, Technology, South
LINK Technology, South ijerv3i4JuAu2012(12).pdf
University. Kuala Lumpur, Malaysia Africa
Africa
Financial Stability – is Microbusinesses – Microcredit – is the Microfinance – is a Micro, Small and Small Businesses –
a state in which the are the businesses extension of very type of banking Medium Enterprises are privately owned
financial system is operating on a very small loans service provided to (MSMEs) – are small corporations,
resistant to economic small scale, (microloans) to unemployed or low- sized entities defined partnerships, or sole
shocks and is fit to especially one with impoverished income individuals in the terms of size proprietorships that
VOCUBULARY
smoothly fulfil its basic sole proprietorship borrowers who or groups who of its investments. have fewer
WORDS
functions. and fewer than six typically lack otherwise would employees and/or
employees. collateral, steady have no other access less annual revenue
employment, or a to financial services. than a regular-sized
verifiable credit business or
history. corporation.
PAGES p. 4 p. 1 N/A N/A p. 1 p. 4