This study aims to identify crisis signs in small and medium enterprise (SME)-concentrated regions and establish measures to prevent economic recession and normalize regional economies through proactive responses. To achieve this, we investigated and analyzed the crisis status and outlook of companies located in Jeonbuk, their detailed management conditions, management issues by industry, difficulties in business operations, and policy demands. Out of 4,144 SMEs in Jeonbuk's concentrated areas, 270 companies responded to the survey. The results showed that 60% of the responding companies perceived their current management situation as being in a state of crisis. However, the outlook for the next quarter and the following year is expected to improve. Notably, compared to manufacturing companies, non-manufacturing firms responded that their crisis situation in the next quarter would not improve and expected the crisis to persist. In terms of detailed business conditions, regardless of the distinction between manufacturing and non-manufacturing sectors, all aspects of the survey, including domestic sales, export sales, operating profit, financial status, and the number of employees, indicated better prospects for the next quarter and the following year compared to the current quarter. The study's findings suggest that companies in SME-concentrated areas of Jeonbuk are relatively accurate in recognizing the crisis situation of their own businesses and operating markets. Additionally, the companies responded that crisis monitoring is necessary. Differences in difficulties faced by the manufacturing and non-manufacturing sectors imply the need for industry-specific financial support programs. Based on the survey results, we propose financial support projects tailored to the manufacturing and non-manufacturing sectors, considering the degree of market competition. For more precise research, future studies will involve extracting larger samples and conducting a detailed analysis by subdividing manufacturing sectors (e.g., food, metal) and non-manufacturing sectors (e.g., agriculture, design).

This paper is present the Technology Orientation affects to Enterprise Management Performance. In order to carry out this research, we obtained 212 survey sheets and inspected ten assumptions based on the reliability, validity of the questionnaires. The results of regression analysis are summarized as follows; First, the factor of Technology Orientation, research development activity, affects to all factor of Enterprise Management Performance significantly. Second, the factor of Technology Orientation, research development environment, only effect on the technology performance. Third, research development ability is affect to technology performance and new product performance that factor of Enterprise Management Performance. Finally, technology industrialization ability isn’t affects to Enterprise Management Performance significantly. Based on the results, we are recommendations for small and medium-sized manufacturing enterprises.

In order for the analysis of effect in the respective preventive measures which is being carried out by a small & medium sized company against any potential accident, this research relates to the followings: We investigated the situation of an accident occurred in the company in which his obligation of selecting a safety manager is exempted, in accordance with the industrial safety & healthcare & enforcement ordinance, enforcement rule. We investigated the situation of an accident occurred in the company which entrusted the specialized organization with his own safety control notwithstanding it is free from an obligation to have any safety manager for aiming at the comparison and analysis of the outcome. The economic and preventive effect of industrial accident has been compared and analyzed in order to strengthen the obligation of selecting a safety manager.

Domestic industry calamity rate did decrease in large numbers by many efforts of the safety and health organizations. But that is low yet among the OECD countries. Calamities are started In most work inexperience and safety consciousness absence. So, we can know that education is how important. Domestic small and medium enterprises are in trend that industrial accident is increased by deterioration of hardware, not enough preparedness of safety equipments. But, the safety and health education had not been utilized so far effectively and applied systematically. Therefore, the most important among many means to reduce calamity is the safety and health education. An efficient education will supply suitable knowledge and technology to work people. And that will lead to prevent accident by building right habit and attitude. This research did the survey about problems of education that is enforced in small and medium enterprises. That survey is done to three groups of workers, administrators and managers. We compared domestic safety and health education system and advanced foreign system. And, analyzed problems and presented a solution. Finally, this research presented efficient operation model of the safety and health education suitable to domestic medium and small enterprises.

This paper investigates, in a single equation framework, the effect of bank-specific and macroeconomic determinants on micro-, smalland medium-sized loans by commercial banks in Indonesia. This study uses a sample of 790 observations from 79 commercial banks in Indonesia over the years 2006-2015. This study uses two estimation methods for our panel regressions: static and dynamic generalized method of moments (GMM) panel estimator. In static relationships, the literature usually uses the least square methods on fixed effects (FE) or random effects (RE). I found evidence that all banks, bank profitability and size are positively and significantly related to micro-, smalland medium-sized loans, while the coefficients of liquidity are significantly positive in all specifications, except government banks which is significantly negative. The relationship between risk and credit growth is negative for non-government banks. All estimated equations show that the effect of the capital variable on lending banks to MSMEs is not important in government banks and non-government banks. Finally, macroeconomic variables, such as inflation and gross domestic product, clearly affect the lending of the banking sector particularly non-state banks. The findings have several policy implications to Indonesia government, regulatory authority and bank managers in order to improve bank profitability through bank lending.