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p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal International Journal of Business, Marketing, Economics & Leadership
Novrizal
STIE Kasih Bangsa
Decision Sciences, Operations Research & Management

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Bridging Financial Gaps: A Qualitative Literature Review on Government Loan Programs and Small Business Growth under Credit Constraints Benardi Benardi; Novrizal
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 3 No. 1 (2026): February: International Journal of Business, Marketing, Economics & Leadership
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v3i1.406

Abstract

This qualitative literature review examines the role of government loan programs in addressing credit constraints that hinder small business growth. Synthesizing recent empirical studies from Japan, the United States, and the European Union, the review finds that well-targeted public lending initiatives facilitate capital investment, employment expansion, and long-term productivity among financially constrained firms. The evidence highlights that government credit often complements rather than substitutes private lending and serves as a structural mechanism to reduce financial frictions. Program effectiveness is found to depend heavily on institutional design, eligibility targeting, and administrative capacity. The findings underscore the strategic value of sustained public intervention in SME finance, not only during crises but also for long-term economic resilience and inclusive growth
Resilience in Small Family Businesses during Systemic Shocks: A Literature Review on the Mediating Role of Adaptive Capacity Novrizal; Mia Christy Patricia
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 3 No. 1 (2026): February: International Journal of Business, Marketing, Economics & Leadership
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v3i1.409

Abstract

This qualitative literature review explores how adaptive capacity mediates resilience in small family businesses (SFBs) during systemic shocks. Drawing from recent empirical studies, the review identifies adaptive capacity as a dynamic capability that enables SFBs to respond effectively to crises through flexible leadership, innovation, generational collaboration, and social capital. Unlike non-family firms, SFBs exhibit unique strengths and constraints rooted in socioemotional wealth, long-term orientation, and intergenerational ties. The findings highlight that adaptive capacity functions as a crucial intermediary between environmental disruption and business continuity. Contextual factors such as industry, firm size, and institutional support further influence resilience outcomes. This study contributes to the theoretical understanding of resilience by positioning adaptive capacity as a central mechanism in navigating systemic shocks.
Co-Authors Benardi Mia Christy Patricia