Access to Bank Credit and SME Financing

Download Access to Bank Credit and SME Financing PDF Online Free

Author :
Publisher : Springer
ISBN 13 : 3319413635
Total Pages : 352 pages
Book Rating : 4.3/5 (194 download)

DOWNLOAD NOW!


Book Synopsis Access to Bank Credit and SME Financing by : Stefania Rossi

Download or read book Access to Bank Credit and SME Financing written by Stefania Rossi and published by Springer. This book was released on 2016-12-02 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how the global financial and European sovereign debt crises have forced small-and-medium-sized businesses (SMEs) to reassess and adapt their funding strategies. At the heart of the matter is the worsening access to bank credit for such enterprises. Through this discussion we learn how crucial an understanding of SME-financing is to policy makers, in light of the fact that SMEs dominate the business landscape in Europe and are the main drivers of employment, growth and innovation in the European economy. Contributing chapters present expert analysis and investigate many topics including the problems faced by SMEs in accessing bank credit and the cost of funding and its determinants. Particular attention is also given to how credit-constrained enterprises may reformulate their funding strategies by employing alternative, non-bank, financial resources, and how regulators could support SMEs in broadening and improving their funding opportunities.

Making It Big

Download Making It Big PDF Online Free

Author :
Publisher : World Bank Publications
ISBN 13 : 1464815585
Total Pages : 178 pages
Book Rating : 4.4/5 (648 download)

DOWNLOAD NOW!


Book Synopsis Making It Big by : Andrea Ciani

Download or read book Making It Big written by Andrea Ciani and published by World Bank Publications. This book was released on 2020-10-08 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Economic and social progress requires a diverse ecosystem of firms that play complementary roles. Making It Big: Why Developing Countries Need More Large Firms constitutes one of the most up-to-date assessments of how large firms are created in low- and middle-income countries and their role in development. It argues that large firms advance a range of development objectives in ways that other firms do not: large firms are more likely to innovate, export, and offer training and are more likely to adopt international standards of quality, among other contributions. Their particularities are closely associated with productivity advantages and translate into improved outcomes not only for their owners but also for their workers and for smaller enterprises in their value chains. The challenge for economic development, however, is that production does not reach economic scale in low- and middle-income countries. Why are large firms scarcer in developing countries? Drawing on a rare set of data from public and private sources, as well as proprietary data from the International Finance Corporation and case studies, this book shows that large firms are often born large—or with the attributes of largeness. In other words, what is distinct about them is often in place from day one of their operations. To fill the “missing top†? of the firm-size distribution with additional large firms, governments should support the creation of such firms by opening markets to greater competition. In low-income countries, this objective can be achieved through simple policy reorientation, such as breaking oligopolies, removing unnecessary restrictions to international trade and investment, and establishing strong rules to prevent the abuse of market power. Governments should also strive to ensure that private actors have the skills, technology, intelligence, infrastructure, and finance they need to create large ventures. Additionally, they should actively work to spread the benefits from production at scale across the largest possible number of market participants. This book seeks to bring frontier thinking and evidence on the role and origins of large firms to a wide range of readers, including academics, development practitioners and policy makers.

Doing Business 2020

Download Doing Business 2020 PDF Online Free

Author :
Publisher : World Bank Publications
ISBN 13 : 1464814414
Total Pages : 254 pages
Book Rating : 4.4/5 (648 download)

DOWNLOAD NOW!


Book Synopsis Doing Business 2020 by : World Bank

Download or read book Doing Business 2020 written by World Bank and published by World Bank Publications. This book was released on 2019-11-21 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seventeen in a series of annual reports comparing business regulation in 190 economies, Doing Business 2020 measures aspects of regulation affecting 10 areas of everyday business activity.

Structural Adjustment

Download Structural Adjustment PDF Online Free

Author :
Publisher : Zed Books Ltd.
ISBN 13 : 1848137850
Total Pages : 144 pages
Book Rating : 4.8/5 (481 download)

DOWNLOAD NOW!


Book Synopsis Structural Adjustment by : SAPRIN

Download or read book Structural Adjustment written by SAPRIN and published by Zed Books Ltd.. This book was released on 2013-07-18 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: Structural adjustment programmes are the largest single cause of increased poverty, inequality and hunger in developing countries. This book is the most comprehensive, real-life assessment to date of the impacts of the liberalisation, deregulation, privatisation and austerity that constitute structural adjustment. It is the result of a unique five year collaboration among citizens‘ groups, developing country governments, and the World Bank itself. Its authors, the members of the Structural Adjustment Participatory Review International Network (SAPRIN), reveal the practical consequences for manufacturing, small enterprise, wages and conditions, social services, health, education, food security, poverty and inequality. The stark conclusion emerges: if there is to be any hope for meaningful development, structural adjustment and neoliberal economics must be jettisoned.

OECD Studies on SMEs and Entrepreneurship SME and Entrepreneurship Policy in Viet Nam

Download OECD Studies on SMEs and Entrepreneurship SME and Entrepreneurship Policy in Viet Nam PDF Online Free

Author :
Publisher : OECD Publishing
ISBN 13 : 9264529063
Total Pages : 186 pages
Book Rating : 4.2/5 (645 download)

DOWNLOAD NOW!


Book Synopsis OECD Studies on SMEs and Entrepreneurship SME and Entrepreneurship Policy in Viet Nam by : OECD

Download or read book OECD Studies on SMEs and Entrepreneurship SME and Entrepreneurship Policy in Viet Nam written by OECD and published by OECD Publishing. This book was released on 2021-01-22 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication presents the findings of the OECD review of SME and Entrepreneurship Policy in Viet Nam. It offers an in-depth examination of the performance of small and medium enterprises (SMEs) and entrepreneurship in Viet Nam, the quality of the business environment, and national policies in support of new and small businesses.

TRENDS IN EBUSINESS AND EGOVERNMENT - DR. ÖMER AYDIN

Download TRENDS IN EBUSINESS AND EGOVERNMENT - DR. ÖMER AYDIN PDF Online Free

Author :
Publisher : Efe Akademi Yayınları
ISBN 13 : 6257729467
Total Pages : 123 pages
Book Rating : 4.2/5 (577 download)

DOWNLOAD NOW!


Book Synopsis TRENDS IN EBUSINESS AND EGOVERNMENT - DR. ÖMER AYDIN by : DR. ÖMER AYDIN

Download or read book TRENDS IN EBUSINESS AND EGOVERNMENT - DR. ÖMER AYDIN written by DR. ÖMER AYDIN and published by Efe Akademi Yayınları. This book was released on 2020-12-01 with total page 123 pages. Available in PDF, EPUB and Kindle. Book excerpt: Technology affects all areas. Business and government processes are changing with the use of the internet, mobile devices, internet of things, blockchain, machine learning, artificial intelligence and many other new technologies. In this book, it is aimed to focus the use of technology, new trends in business life and government covering the studies in all sub-areas of Information Systems, Knowledge Management, eBusiness, eCommerce, eMarketing, mCommerce, eGovernment, ePublic Services, eGovernance etc. The book consists of 7 chapters. Book chapter authors are reputable scientists from different countries of the world. The first chapter is a critical review and a case study in e-Business, with special attention to the digital currencies resource and its possibilities. The second chapter attempts to incorporate the Unified Theory of Acceptance and Use of Technology (UTAUT) model with perceived risk theory (security risk and privacy risk) to explore its impact towards the intention to use m-government services. The third chapter aims to assess the level of gender inclusivity in the municipal e-procurement processes in the City of Johannesburg as a case study. The fourth chapter examines the impediments that derail the intensive uptake of eLearning programmes in a particular higher education institution. The fifth chapter investigated the role of Knowledge Management Systems (KMS) in enhancing the export performance of firms operating within the manufacturing sector in Zimbabwe. In the sixth chapter, a survey was undertaken on 131 small and medium-sized enterprises (SMEs) from Pelagonija region in order to determine the current level of SME digitalization within the region. It is aimed to compare with European Union (EU) average and to make conclusions on the impact of the SME digitalization to region gross domestic product (GDP) growth as well as revenues collection. The last chapter’s purpose was to develop a measuring and modelling framework/instrument of Internet banking service quality (IBSQ) for the South African banking sector.

Exporting Through Intermediaries: Impact on Export Dynamics and Welfare

Download Exporting Through Intermediaries: Impact on Export Dynamics and Welfare PDF Online Free

Author :
Publisher : International Monetary Fund
ISBN 13 : 1513519875
Total Pages : 58 pages
Book Rating : 4.5/5 (135 download)

DOWNLOAD NOW!


Book Synopsis Exporting Through Intermediaries: Impact on Export Dynamics and Welfare by : Parisa Kamali

Download or read book Exporting Through Intermediaries: Impact on Export Dynamics and Welfare written by Parisa Kamali and published by International Monetary Fund. This book was released on 2019-12-27 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: In many countries, a sizable share of international trade is carried out by intermediaries. While large firms tend to export to foreign markets directly, smaller firms typically export via intermediaries (indirect exporting). I document a set of facts that characterize the dynamic nature of indirect exporting using firm-level data from Vietnam and develop a dynamic trade model with both direct and indirect exporting modes and customer accumulation. The model is calibrated to match the dynamic moments of the data. The calibration yields fixed costs of indirect exporting that are less than a third of those of direct exporting, the variable costs of indirect exporting are twice higher, and demand for the indirectly exported products grows more slowly. Decomposing the gains from indirect and direct exporting, I find that 18 percent of the gains from trade in Vietnam are generated by indirect exporters. Finally, I demonstrate that a dynamic model that excludes the indirect exporting channel will overstate the welfare gains associated with trade liberalization by a factor of two.

Trade in Zimbabwe

Download Trade in Zimbabwe PDF Online Free

Author :
Publisher : World Bank Publications
ISBN 13 : 1464804478
Total Pages : 169 pages
Book Rating : 4.4/5 (648 download)

DOWNLOAD NOW!


Book Synopsis Trade in Zimbabwe by : Richard Newfarmer

Download or read book Trade in Zimbabwe written by Richard Newfarmer and published by World Bank Publications. This book was released on 2015-05-26 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Zimbabwe, trade has been a driver of economic growth, rising incomes, and progressive empowerment of Zimbabweans through rising standards of living and the promise of better jobs. Since 1980, through good years and bad years, increases in exports have been positively associated with increases in national income. Zimbabwe's location and resource base, together with a low-cost but relatively well educated labor force, have endowed it with a naturally high trade ratio built on a diversified base that facilitates using trade as an engine of growth. While trade volumes have rebounded smartly from the deep recession of 2007-2008, these do not offset other worrisome longer-term trends: • Export growth during the last decade has been lacklustre and failed to drive high growth. • Agricultural exports, other than tobacco, have lost their once dominant role in the region, and are no longer a source of diversification. • Manufacturing has withered in a continuing secular decline. • Zimbabwe’s export basket has become less diversified and more dependent on a narrow range of mineral and, to a lesser extent, agricultural products. In short, exports have become less diversified, less-technologically sophisticated, and less labor-intensive - and ever more dependent on a few large mining activities to provide foreign exchange and employment. This report traces the roots of this poor performance to several policy issues: poor predictability of macroeconomic policy and economic governance has created an unfavorable climate for private investment and trade; a tariff structure that dampens export profitability; industrial policies - indigenization policy in particular - that undermine investor confidence and inhibits private investment; and finally, competition-limiting policies toward services that limit connectivity of Zimbabweans and raise trade costs. The good news arising from the study is that the remedies for these policy shortcomings lie in Zimbabwean hands. If the government were to adopt reforms that reconfigure economy-wide incentives and trade and industrial policies, it could promote sustained growth, economic diversification and empowerment of poor people.

Advances in Industrial and Production Engineering

Download Advances in Industrial and Production Engineering PDF Online Free

Author :
Publisher : Springer
ISBN 13 : 9811364125
Total Pages : 854 pages
Book Rating : 4.8/5 (113 download)

DOWNLOAD NOW!


Book Synopsis Advances in Industrial and Production Engineering by : Kripa Shanker

Download or read book Advances in Industrial and Production Engineering written by Kripa Shanker and published by Springer. This book was released on 2019-04-23 with total page 854 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book comprises select proceedings of the International Conference on Future Learning Aspects of Mechanical Engineering (FLAME 2018). The book discusses different topics of industrial and production engineering such as sustainable manufacturing systems, computer-aided engineering, rapid prototyping, manufacturing management and automation, metrology, manufacturing process optimization, casting, welding, machining, and machine tools. The contents of this book will be useful for researchers as well as professionals.

Aid for Trade at a Glance 2019 Economic Diversification and Empowerment

Download Aid for Trade at a Glance 2019 Economic Diversification and Empowerment PDF Online Free

Author :
Publisher : OECD Publishing
ISBN 13 : 9264429514
Total Pages : 532 pages
Book Rating : 4.2/5 (644 download)

DOWNLOAD NOW!


Book Synopsis Aid for Trade at a Glance 2019 Economic Diversification and Empowerment by : OECD

Download or read book Aid for Trade at a Glance 2019 Economic Diversification and Empowerment written by OECD and published by OECD Publishing. This book was released on 2019-07-11 with total page 532 pages. Available in PDF, EPUB and Kindle. Book excerpt: This edition analyses how trade can contribute to economic diversification and empowerment, with a focus on eliminating extreme poverty, particularly through the effective participation of women and youth. It shows how aid for trade can contribute to that objective by addressing supply-side capacity and trade-related infrastructure constraints, including for micro-, small- and medium-sized enterprises notably in rural areas.

Zimbabwe's Export Performance

Download Zimbabwe's Export Performance PDF Online Free

Author :
Publisher :
ISBN 13 : 9781282588769
Total Pages : 15 pages
Book Rating : 4.5/5 (887 download)

DOWNLOAD NOW!


Book Synopsis Zimbabwe's Export Performance by : Sònia Muñoz

Download or read book Zimbabwe's Export Performance written by Sònia Muñoz and published by . This book was released on 2006 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzes Zimbabwe's export performance in recent years and identifies the factors that could improve export performance, from both a quantitative and qualitative perspective. Improving export performance is critical to a turnaround in Zimbabwe's economic situation. The growth rate of total exports declined dramatically in the early 2000s, following a large real appreciation of the currency and the introduction of the fast-track land reform program. An important finding of the paper is that policies that reduce (eliminate) the parallel market premium and lower ethnic tensions would be key to promoting export growth.

OECD SME and Entrepreneurship Outlook 2019

Download OECD SME and Entrepreneurship Outlook 2019 PDF Online Free

Author :
Publisher : OECD Publishing
ISBN 13 : 926435882X
Total Pages : 396 pages
Book Rating : 4.2/5 (643 download)

DOWNLOAD NOW!


Book Synopsis OECD SME and Entrepreneurship Outlook 2019 by : OECD

Download or read book OECD SME and Entrepreneurship Outlook 2019 written by OECD and published by OECD Publishing. This book was released on 2019-05-20 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: The new OECD SME and Entrepreneurship Outlook presents the latest trends in performance of small and medium-sized enterprises (SMEs) and provides a comprehensive overview of business conditions and policy frameworks for SMEs and entrepreneurs. This year’s edition provides comparative evidence on business dynamism, productivity growth, wage gaps and export trends by firm size across OECD countries and emerging economies.

Regional Development in Africa

Download Regional Development in Africa PDF Online Free

Author :
Publisher : BoD – Books on Demand
ISBN 13 : 1789852374
Total Pages : 262 pages
Book Rating : 4.7/5 (898 download)

DOWNLOAD NOW!


Book Synopsis Regional Development in Africa by : Norbert Edomah

Download or read book Regional Development in Africa written by Norbert Edomah and published by BoD – Books on Demand. This book was released on 2020-08-19 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: Regional development is a broad term but can be seen as a general effort to reduce regional disparities by supporting (employment and wealth-generating) economic activities in regions. In the past, regional development policy tended to try to achieve these objectives by means of large-scale infrastructure development and by attracting inward investment” (OECD, 2014).A territorial and regional approach to development is crucial in addressing regional challenges, regional economic competitiveness, and reducing socio-economic discrepancies. This book provides a forum to articulate and discuss Africa’s regional development issues in view of the rising opportunities within the African region. This volume contains 14 chapters and is organized in four sections: Introduction; Industry, Trade and Investment in Africa; Agricultural Services and the Water-energy-food Nexus in Africa; and Environmental and Cultural Dimensions to Africa’s Regional Development.

Marketing Effectiveness and Accountability in SMEs

Download Marketing Effectiveness and Accountability in SMEs PDF Online Free

Author :
Publisher : Springer Nature
ISBN 13 : 3031098617
Total Pages : 218 pages
Book Rating : 4.0/5 (31 download)

DOWNLOAD NOW!


Book Synopsis Marketing Effectiveness and Accountability in SMEs by : Trevor A. Smith

Download or read book Marketing Effectiveness and Accountability in SMEs written by Trevor A. Smith and published by Springer Nature. This book was released on 2022-09-27 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book sheds light on marketing effectiveness and accountability marketing in small and medium-sized enterprises (SMEs). Using a multi-method investigation, it includes a knowledge inquiry of marketing knowledge and customer knowledge, a qualitative inquiry utilizing semi structured interviews and thematic data analysis, a quantitative analysis utilizing survey and structural equations modelling, and a case study that employs both narrative (storytelling) data analysis and an accountability audit with a techno marketing SME. SMEs generally face financial constraints that limit their ability to carry out the marketing function. Addressing this limitation, the author presents conceptual models based on the resource based view and the knowledge based view to show how marketing capabilities can lead to performance improvement in the SMEs. The lessons learnt provide guidance in the practice of marketing for small and medium firms to be more effective in their marketing investments and make wiser marketing decisions. This book will prove useful for both researchers and practitioners by extending knowledge on marketing performance management in the SMEs.

OECD SME and Entrepreneurship Outlook 2021

Download OECD SME and Entrepreneurship Outlook 2021 PDF Online Free

Author :
Publisher : OECD Publishing
ISBN 13 : 9264579311
Total Pages : 294 pages
Book Rating : 4.2/5 (645 download)

DOWNLOAD NOW!


Book Synopsis OECD SME and Entrepreneurship Outlook 2021 by : OECD

Download or read book OECD SME and Entrepreneurship Outlook 2021 written by OECD and published by OECD Publishing. This book was released on 2021-06-28 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small and medium-sized enterprises (SMEs) and entrepreneurs have been hit hard during the COVID-19 crisis. Policy responses were quick and unprecedented, helping cushion the blow and maintain most SMEs and entrepreneurs afloat. Despite the magnitude of the shock, available data so far point to sustained start-ups creation, no wave of bankruptcies, and an impulse to innovation in most OECD countries.

Small and Medium Sized Enterprises and Decent and Productive Employment Creation

Download Small and Medium Sized Enterprises and Decent and Productive Employment Creation PDF Online Free

Author :
Publisher :
ISBN 13 : 9789225290113
Total Pages : 84 pages
Book Rating : 4.2/5 (91 download)

DOWNLOAD NOW!


Book Synopsis Small and Medium Sized Enterprises and Decent and Productive Employment Creation by :

Download or read book Small and Medium Sized Enterprises and Decent and Productive Employment Creation written by and published by . This book was released on 2015 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Evolving Enterprise Competences as a Consequence of Response to Changes in the Environment

Download Evolving Enterprise Competences as a Consequence of Response to Changes in the Environment PDF Online Free

Author :
Publisher : Cognitione Foundation for Dissemination of Knowledge and Science
ISBN 13 : 8395449658
Total Pages : 167 pages
Book Rating : 4.3/5 (954 download)

DOWNLOAD NOW!


Book Synopsis Evolving Enterprise Competences as a Consequence of Response to Changes in the Environment by : Anna Ujwary-Gil

Download or read book Evolving Enterprise Competences as a Consequence of Response to Changes in the Environment written by Anna Ujwary-Gil and published by Cognitione Foundation for Dissemination of Knowledge and Science. This book was released on 2019-01-01 with total page 167 pages. Available in PDF, EPUB and Kindle. Book excerpt: In presenting this issue entitled Evolving Enterprise Competences in Response to Changes in the Environment, we want to focus your attention on organizational competence in the context of its competitiveness in the market. The competitive advantage of a modern organization results from competences that enable the adaptation of market mechanisms, internal coordination of activities and resources, consistent building of human potential and development of business capabilities. Organizations' competences in creating innovation, using advanced information and communication technologies (ICT), and building human capital are particularly strongly articulated today. Organizations in the 20th century were oriented towards creating a sustainable competitive advantage based on key competences that ensured a stable growth in market share. Contemporary 21st-century organizations have understood that gaining a competitive advantage results from competences that allow them to succeed in new fields and quickly reconfigure business models. Every company should know the competences that will enable it to use opportunities, differentiate itself from other market players and implement its own development strategies. The diverse research issues in the collected articles allow you to build and assess a broad perspective of the opportunities that companies use in the market and the various competence gaps that deprive them of these opportunities. The first article by Mirna Leko Šimić, Antun Biloš, and Josipa Mijoč presents empirical evidence on the relationship between the use of e-business tools and the export efficiency of Croatian companies. The authors set themselves the goal of determining the level of implementation of e-business tools in Croatian exporting companies and examining their impact on export results. In the analysis of the level of implementation of e-business tools, the OECD e-commerce maturity model was used, which measures several aspects of ICT readiness and the intensity of websites and e-commerce in exporting companies. Researchers were able to determine that the implementation of e-business tools in Croatian companies requires improvement, especially in market research, communication, and online sales. An interesting observation is the indication of a higher level of e-business advancement in companies oriented on geographically and culturally distant markets (markets outside the EU) in relation to companies exporting mainly to the regional and EU markets. The authors are convinced that the research results can serve as a starting point for making comparative analyzes in comparison with similar economies in terms of market maturity and that this knowledge-building could significantly contribute to developing the competence of exporting enterprises in the field of e-business development. The article by Aleksander Jakimowicz and Daniel Rzeczkowski refers to the issues of innovation in industrial processing enterprises. The authors analyzed the propensity of enterprises to implement innovation in the years 2012 - 2014 following the negative shock of the global financial crisis in the years 2008-2010. As a result of the conducted research, a relatively low propensity for innovation, and caution in undertaking it, was found. At the same time, a growing tendency to take up activities in the field of eco-innovation and the feeling of a slow reduction in the impact of innovation barriers have been noticed. Appropriate stimulation of the environment and financial support in the field of eco-innovation are examples of overcoming the negative effects of an external shock in the form of psychological barriers and excessive caution in implementing innovation. The authors note that the main value of the article is its innovative and strictly empirical approach to the problems of innovation. The unique and comprehensive analysis of the relationships between sixty-three variables describing the innovation activity of enterprises can become a potential benchmark for similar analyses in the future. The article by Victoria Konovalenko Slettli addresses the problems of education in the field of transformational entrepreneurship, with a particular emphasis on adults. The author shares the view that transformational entrepreneurship is expressed in the capacity and intended action for change in the life of the entrepreneur and organization, which, in turn, contributes to social change and is characterized by the emergence of a new qualitative dimension of possibilities. The article is based on a pilot study of the implementation of the Transformative Learning Circles (TLC) model in Scandinavian countries, which was developed by the Nordic Network for Adult Learning. The study significantly fits into the development of knowledge about entrepreneurship learning. Key factors affecting entrepreneurship learning have been linked to specific learning processes. In addition, the way of combining these factors in one learning model is illustrated to increase the learning effect of transformational entrepreneurship, which today can be classified as key competences contributing to the development of an enterprise. The next two articles refer directly to the functioning of people in the organization and constitute an important voice in the discussion on the key competences of the organization in the field of building human capital and gaining a competitive advantage. The article by Ambreen Sarwar, Muhammad Ibrahim Abdullah, Muddassar Sarfraz, and Muhammad Kashif Imran presents research on employees working in both public and private sector banks in Pakistan. It proves the relationship between ostracism, stress, and the self-efficacy of employees. As a result of the conducted research, the authors conclude that the self-efficacy of employees, or belief in their own effectiveness, reduces the perception of stress and mitigates the negative effects of ostracism. The study shows that people with a higher sense of self-efficacy would be less affected by the negative effects of stress and ostracism. Although a certain level of stress is considered essential for efficient work, high-stress levels are harmful. Highly efficacious people are less prone to stress in the face of mistreatment; they focus more on their capabilities than on the behavior of others. Perhaps the development of employee's efficacy should be included in the key competences of the organization, especially since the authors recognized self-efficacy as one of the dimensions of psychological capital, along with hope, optimism, and resilience of employees. The authors postulate to examine the impact of these dimensions on the relationship between stress and ostracism or other forms of ill-treatment in the workplace. The latest article by Michał Ujm and Tomasz Ingram presents research in which the main attention was focused on the impact of human resource management practices on individual employee involvement. Task uncertainty was treated as a moderating variable in the research, which was conducted among members of international teams who are recruiting employees. The authors analyzed the collected material from the perspective of the theory of abilities, motivation, and opportunities (Ability-Motivation-Opportunity theory - AMO). As a result, they verified two research hypotheses and received support for the first hypothesis which proved that AMO practices affect the organizational commitment of employees. The second hypothesis was verified negatively. It has been proven that skills-only human resource management practices do not increase employee involvement. The loyalty of employees who are aware of their competences is not high unless they are properly motivated. The conducted research once again confirms the need to include employee motivation as one of the organization's key competences in its competition strategy. We hope that the collected articles, as well as the perspective created for their analysis, will allow you to develop an idea of the importance of an organization's competences. Acquiring a competitive advantage requires continuous development of the scope and structure of competences, as was presented in the first article on e-tools in businesses, or continuous stimulation to use them, as illustrated in the article on innovation. Continuous development of the organization's competences is necessary for developing business ventures. Initiatives in this area were presented in the third article highlighting the case of Nordic transformation wheels. Equally strongly emphasized are competences used to shape working conditions, stimulating employee attitudes and relationships, and developing the benefits of employee involvement in the company's development. The editors thank all the authors who wanted to share the results of their research work in the Journal of Entrepreneurship, Management and Innovation (JEMI) and wish all readers the satisfaction of using time well spent reading the collected articles.