Het platform voor open praktijkgericht onderzoek

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Roadmap voor de financieel MKB-adviseur

In deze roadmap wordt twee jaar onderzoek samengevat, inclusief een gevalideerd stappenplan om tot combinaties van financieringen te komen. De startvraag was: hoe kunnen financieel mkb-adviseurs hun klanten beter adviseren bij (gestapelde) financieringen? 15 bedrijven, 2 beroepsorganisaties en 3 hogescholen voerden het onderzoek uit naar de mogelijkheden voor gestapeld financieren.

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Passie en Precisie 02. Lerend Innoveren: Over de eenheid van onderwijs en onderzoek

Deze vier artikelen uit verschillende hoeken van de HU illustreren uiteenlopende ervaringen met de koppeling tussen onderwijs, onderzoek en beroepspraktijk. Uit hun verhalen blijkt dat deze verbindingen steeds meer vorm krijgen en dat de ervaringen met de HU als kennisinstelling vooral positief zin. Uitgegeven op het HU onderwijscongres 2008 als Passie & Precisie deel 02.

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Passie en Precisie 02. Lerend Innoveren: Over de eenheid van onderwijs en onderzoek

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IT capabilities within the Dutch SME first line health care sector

The complexity of Information Technology (IT) is increasing; so are customer expectations. Consequently it is not easy for especially small and medium enterprises (SMEs) to keep track of all IT-developments, let alone leverage them in business operations with the aim to satisfy increasingly demanding customers. This also holds for the health care sector. This research is focussed on first line health care, and deals with the following research question; ‘which IT capabilities do SMEs within the first line health care sector need to have at their disposal in order to reach Business/IT-Alignment (BITA) maturity?’ Using the best practices ITIL, ASL and BiSL (cf. Bon, et al. 2007), IT capabilities are formulated. Based on the theory of Luftman (2000) business/IT-alignment and maturity is measured. Quantitative research of 123 first line health care SMEs in the Netherlands, confirms a moderate to strong correlation between the IT capability constructs ‘Organisation’, ‘Processes’, ‘Knowledge’ and ‘People’ on the one hand, and BITA maturity on the other. The results indicate that SMEs within the first line health care sector should invest in IT capabilities related to the enterprise's ‘Organisation’ and ‘Processes’ to strive for increased business and IT maturity.

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IT capabilities within the Dutch SME first line health care sector

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The habitual selection of SME funding in an increasingly diverse market

Over the past 10 years, different types of financing have become available in the Netherlands. It is now possible to combine bank loans, crowdfunding loans and risk capital. Moreover, fintech applications lower the threshold for applications and reduce response times from weeks to just days or even hours. Fraser, Bhaumik and Wright (2015) point out there is a lack of knowledge of the cognitive process involved in selecting SME financing. This paper looks into the selection process financial advisers use, against the backdrop of the growing range of funding possibilities. To assess this process, we try to understand dominant habits and related heuristics. Within our explorative study, 19 experienced and independent SME financial advisers were interviewed. The questions address their knowledge, skills, experiences and choices in the selection process on the financing or refinancing of working capital and growth. Taking a grounded theoretical approach, we use Atlas TI to label all answers and statements step by step. The findings suggest a strong bias of decision-making towards the more traditional banking products. Yet advisers state they are aware of, and familiar with, other solutions. We have also found that fintech solutions are hardly used to prepare financing solutions up front. Financial advisers estimate the likelihood of acceptance by a few financial providers they know well within their personal network. We suggest that there is a behavioural approach to financing in the day-to-day decisions made by financial advisers. As long as automated selections are not fully transparent and are unable to combine all types of financing up front, financial advisers will be guided by habit or by availability, confirmation and affect heuristics, rather than looking for new financing solutions and combinations.

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The habitual selection of SME funding in an increasingly diverse market

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Cybercrime during the COVID-19 pandemic

The outbreak of the COVID-19 virus in December 2019 and the restrictive measures that were implemented to slow down the spread of the virus have had a significant impact on our way of life. The sudden shift from offline to online activities and work may have resulted in new cybersecurity risks. The present study therefore examined changes in the prevalence, nature and impact of cybercrime among Dutch citizens and SME owners, during the pandemic. Qualitative interviews with ten experts working at various public and private organizations in the Netherlands that have insights into cybercrime victimization and data from victim surveys administrated in 2019 and 2021 were analyzed. The results show that there was only a small, non-statistically significant increase in the prevalence of cybercrime during the pandemic among citizens and SME owners. Nevertheless, the COVID-19 pandemic did have an impact on the modus operandi of cybercriminals: victims indicated that a considerable proportion of the offenses was related to the COVID-19 pandemic, particularly in the case of online fraud. Moreover, the use of new applications and programs for work was associated with an increased risk of cybercrime victimization during the COVID-19 crisis. These results suggest that increases in rates of registered cybercrime that were found in previous studies might be the consequence of a reporting effect and that cybercriminals adapt their modus operandi to current societal developments.

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Advisering van het midden- en kleinbedrijf. Wie wil voelen zal niet luisteren.

This relationship between external knowledge providers, e.g. consultants and academic institutions, and small and medium enterprises (SMEs) is a difficult one. SME entrepreneurs think external advice is expensive, not required and/or not useful. In this paper these arguments are explored against the specific characteristics of SMEs. The argument of price probably tells more about the consultants inability to quantify the returns on their advice than about the cost of their services. Support policies enable free consults for SMEs on numerous topics, but the use of these facilities is relatively low. The suggestion that SME entrepreneurs do not need external knowledge is contradicted by their own assessment of their qualities. Typically the entrepreneurs lack expertise in supporting business functions like HR, IT, Finance and Legal. In SMEs these blank spots are not compensated by specialist staff members because the of the scale of the organization. The argument that the advice of an external consultant is generally not useful raises the question whether the insights gained in several business sciences only apply to large companies. This seems unlikely. Given the characteristics of SMEs the difference is probably more the context in which the insights are applied than the content of the insights itself. From the analysis of the characteristics of SMEs the dominant influence of the person of the owner/director, together with the absence of specialist staff, appeared as two of the most significant differences between SMEs and large companies. Given the personal profiles of these owners/directors as studied by Blom (Blom, 2001), the external knowledge providers should realize the three ways in consulting. The first way is the way of thinking. For this way it was stated already that the content of business sciences is not likely to differ for SMEs. The second way, the way of working, represents for the way information is gathered and the entrepreneur and his staff is involved in the process of developing the advice. In this way the consultant should allow for interaction and should make it fun for the participants. In this aspect, the process approach of consulting shows promising. The third way, the way of communicating, represents the way the knowledge is transferred from the advisor to the entrepreneur. In this way it is crucial to acknowledge the different personal profiles of SME entrepreneurs and consultants and to adjust the communication accordingly. Taking the three ways into account, the conclusion could be that the transfer of knowledge should be more the sharing of experiences. The Chair of Management Consulting will adjust her activities to explore this insight further.

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Advisering van het midden- en kleinbedrijf. Wie wil voelen zal niet luisteren.

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Zelfregulering geschikt voor fintechs die midden- en kleinbedrijf financieren

Fintechs worden steeds belangrijker voor de financiering vanhet midden- en kleinbedrijf. Naast nieuwe kansen brengen hunnieuwe verdienmodellen ook nieuwe risico’s met zich mee. Hoekunnen toezichthouders hier verstandig mee omgaan?IN HET KORT●Al te snel ingrijpen smoort innovatie, maar laisser-faire kan viaincidenten het vertrouwen in de financiële sector schaden.●Toezichthouders en de Stichting MKB Financiering kiezen nugelukkig voor intensieve monitoring samen met zelfregulering.

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MKB Overname Monitor

Meer weten over het overname proces of wat voor soorten waarderingen er zijn: kijk dan op www.mkbovernamemonitor.nl

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Social media in het MKB-monitor

In dit whitepaper vindt u de resultaten van onze jaarlijkse social media MKB-monitor. Met deze monitor doen we onderzoek naar het gebruik van sociale media in het MKB. In dit whitepaper vindt u de resultaten van de monitor en kansen voor de toekomst

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Producten 235

Roadmap voor de financieel MKB-adviseur

Passie en Precisie 02. Lerend Innoveren: Over de eenheid van onderwijs en onderzoek

IT capabilities within the Dutch SME first line health care sector

The habitual selection of SME funding in an increasingly diverse market

Cybercrime during the COVID-19 pandemic

Advisering van het midden- en kleinbedrijf. Wie wil voelen zal niet luisteren.

Zelfregulering geschikt voor fintechs die midden- en kleinbedrijf financieren

MKB Overname Monitor

Social media in het MKB-monitor

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Producten 235

Roadmap voor de financieel MKB-adviseur

Passie en Precisie 02. Lerend Innoveren: Over de eenheid van onderwijs en onderzoek

IT capabilities within the Dutch SME first line health care sector

The habitual selection of SME funding in an increasingly diverse market

Cybercrime during the COVID-19 pandemic

Advisering van het midden- en kleinbedrijf. Wie wil voelen zal niet luisteren.

Zelfregulering geschikt voor fintechs die midden- en kleinbedrijf financieren

MKB Overname Monitor

Social media in het MKB-monitor