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1

Rogowski, Waldemar. "Deferred Payment, Late Payment, Payment Backlog and How They Are Interconnected (the first of two articles about payment delays)." Journal of Management and Financial Sciences, no. 29 (July 29, 2019): 159–84. http://dx.doi.org/10.33119/jmfs.2017.29.8.

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The paper discusses the problem of payment delays in commercial B2B transactions and payment backlogs resulting from them. It also aims at identifying linkages among deferred payments, late payments, and payment backlogs taking account of the scalę of these phe- nomena in Poland, as well as in other countries. Besides, it presents the results of studies on payment delays published in three most important International reports of the following companies: Bisnode D&B, Atradius, Intrum Justitia. The analysis confirmed that a payment delay as such is neutral but it may become negative as a res
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Deepthi, Perera Mallawarachchige. "A Study on the Difficulties Faced by the Contractors due to the Payment Related Issues in Sri Lankan Construction Industry." International Journal of Innovative Science and Research Technology 8, no. 5 (2023): 1932–70. https://doi.org/10.5281/zenodo.8001632.

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Delay of due payments from the client to the main contractor and the subcontractors have been a significant concern in the building and other construction industry. Main contractor’s payment is always set out from the client’s account, whereas subcontractors’ payment goes through the main contractors. In any evet the time taken to make the payment and the amount of the payment can be affected by the up-stream payment practices by all the related parties in a contract. This research aims to study, investigate, the issues related to payments with the main focus of identifying t
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Bageis, Abdulrahman Salem. "An Investigation into the Causes of Payment Delays and Deliberate Delay Tactics in Public Construction Projects in Saudi Arabia." Buildings 14, no. 6 (2024): 1792. http://dx.doi.org/10.3390/buildings14061792.

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Many scientific publications pointed out delays in the progress of payments by owners as one of the top direct causes of project delays and disputes. This research investigates the causes of payment delays and explores deliberate delay tactics and their reasons within Saudi Arabian public construction projects. This research employs a robust mixed methodology, an extensive literature review, and preliminary semi-structured interviews to identify the causes of payment delays and possible tactics and reasons for deliberate delays or procrastinated payment. Subsequently, a questionnaire survey is
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4

Perera, B. A. K. S., and Kaveesha Gihani Dewagoda. "Streamlining the management of payment delays: the case of Sri Lankan Government building construction projects." Journal of Financial Management of Property and Construction 26, no. 2 (2021): 236–56. http://dx.doi.org/10.1108/jfmpc-05-2020-0041.

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Purpose Delayed payments have been long standing, pressing issue in construction projects, especially in Government-funded construction projects. The root causes and the consequences of delayed payments must be identified before implementing strategies to mitigate the consequences of such delayed payments. However, these causes and consequences and the parties responsible for managing the delayed payments have not been identified so far. Therefore, the purpose of this study is to investigate the management of payment delays in Government-funded construction projects. Design/methodology/approac
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Utami, Dyah Puspita Sari Nilam, and Mochamad Ikbal Arifyanto. "Digital Transformation of Electricity Bill Collection: Predicting Delays Using Machine Learning." sinkron 9, no. 1 (2025): 314–28. https://doi.org/10.33395/sinkron.v9i1.14340.

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Delays in electricity bill payments pose a significant challenge for PLN in maintaining financial stability and delivering equitable service quality to the public. This study aims to develop a payment delay prediction system to assist PLN UP3 Makassar Utara in prioritizing invoice distribution to customers with a high likelihood of late payments. The Random Forest algorithm was chosen for its ability to handle complex data and produce reliable predictions. This research analyses historical electricity customer data from 2018 to 2023, encompassing 227,163 entries. The data is processed using va
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Ardevi, Devi, and Ika Rahmadani. "Analisis Sistem Informasi Akuntansi Utang Pada PT Mifa Bersaudara." Jurnal Ilmiah Ekonomi Terpadu (Jimetera) 4, no. 1 (2024): 65. http://dx.doi.org/10.35308/jimetera.v4i1.8852.

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The aim of this research is to analyze the debt accounting information system implemented at PT Mifa Bersaudara and what are the obstacles to delays in debt payments. This research uses a qualitative descriptive method that systematically describes the debt accounting information system at PT Mifa Brothers. Data collection techniques include direct observation, interviews and documentation. The results of this research indicate that the accounting information system implemented by PT Mifa Brothers is in accordance with existing theory. However, there are still delays in the debt payment proces
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Dyah Puspita Sari Nilam Utami and Mochamad Ikbal Arifyanto. "Prediction of Electricity Bill Payment Delays for Customers Using a Machine Learning Approach." INOVTEK Polbeng - Seri Informatika 10, no. 1 (2025): 446–57. https://doi.org/10.35314/tc81dq58.

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Electricity is a vital necessity in modern life, and the management of electricity bill payments is crucial for the continuity of services and the financial stability of electricity providers like PLN. Identifying potential delays in payments by customers is a strategic step to enable effective preventive actions. This study aims to develop a prediction model for payment delays using two machine learning methods, namely Random Forest Regressor and Bidirectional Long Short-Term Memory, based on historical customer data from the period of 2018–2023. The research process includes data preprocessi
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Kembabazi, Veronica, Arnold Tigaiza, Charles Opio, et al. "Adoptability of digital payments for community health workers in peri-urban Uganda: A case study of Wakiso district." PLOS ONE 19, no. 8 (2024): e0308322. http://dx.doi.org/10.1371/journal.pone.0308322.

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Background Whereas digital payments have been identified as a solution to health payment challenges, evidence on their adoptability among Community Health Workers (CHWs) is limited. Understanding their adoptability is crucial for sustainability. This study assessed the adoptability of digital payments for CHWs in Wakiso district, Uganda. Methods A convergent parallel mixed-methods study was conducted between November and December 2022, in Wakiso district, Uganda. We surveyed a random sample of 150 CHWs using a structured questionnaire and conducted key informant interviews among three purposiv
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Jasienė, Meilė, and Antanas Laurinavičius. "Problems of Credit Risk Management in Companies and Means of Their Solution." Business: Theory and Practice 10, no. (1) (2009): 15–29. https://doi.org/10.3846/1648-0627.2009.10.15-29.

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The paper analyses credit risk management problems in non-financial companies and possible methods for reducing the risk. The research aims at determining the factors influencing the credit risk, establishes the measures reducing the risk and evaluates their effectiveness. A supplier credit is the principal short-term financing source of small and medium-size companies given the insufficient credibility and collaterals of these companies in order to obtain a credit in financial markets. Meanwhile, supplier credit means that suppliers not only finance their customers providing them with cheap r
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Loeb, Josh. "Delays in export certificate payments." Veterinary Record 189, no. 3 (2021): 90. http://dx.doi.org/10.1002/vetr.784.

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Nainggolan, Firmatogu, Maria Magdalena Bate'e, and Eliyunus Waruwu. "ANALISIS PENERAPAN E-BILLING DALAM PENYETORAN PAJAK PADA SATUAN KERJA STASIUN GEOFISIKA GUNUNGSITOLI." Journal of Management : Small and Medium Enterprises (SMEs) 17, no. 1 (2024): 241–49. http://dx.doi.org/10.35508/jom.v17i1.12684.

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This research analyzes how e-billing is implemented in paying taxes at the Stasiun Geofisika Gunungsitoli. The research method used a qualitative method with a descriptive approach. Primary data was obtained through interviews and secondary data was obtained from official documents, related literature, and other relevant information sources. The research results show that tax payments at the Stasiun Geofisika Gunungsitoli have implemented e-billing, payments are made at the Gunungsitoli Post Office using cash payments and there are still delays in tax deposits. There are several obstacles to i
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Kathpalia, Amit, and Deepika Jhamb. "Responsible Causes of Payment Delays in Indian Construction Industry." ECS Transactions 107, no. 1 (2022): 9695–708. http://dx.doi.org/10.1149/10701.9695ecst.

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Payment delays are endemic in construction projects across the world. Research has shown that payment delays are leading causes of time and cost overruns, disputes, and bankruptcy. Payment delays also have significant economic consequences for companies, jobs, and growth. While adequate research has been conducted in India on causes of delays in construction projects, there has been almost nil research on why payments delays occur and what are the most feasible solutions for reducing payment delays. This research analyses responses of comprehensive questionnaire survey based on literature revi
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13

Chadee, Aaron, Hanna Ali, Sihara Gallage, and Upaka Rathnayake. "Modelling the Implications of Delayed Payments on Contractors’ Cashflows on Infrastructure Projects." Civil Engineering Journal 9, no. 1 (2023): 52–71. http://dx.doi.org/10.28991/cej-2023-09-01-05.

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The consideration of payments to contractors is not only a legal obligation but a necessity for assuring the continuity and completion of a construction project. However, consistent payments to facilitate project cash flows are uncommon in the construction industry. Within the context of a small island developing state, this paper aims to uncover leading risks factors the contributing to implications of delayed payments, on contractors’ cash flows and uncover any causalities and effects on relationships among these factors. A two-tiered quantitative approach was adopted. Firstly, a compiled li
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Soualih, Yassine. "Le respect des delais de paiement : Ancrage a deployer pour soutenir les PME marocaines." RMd. Economics, Management & Social Sciences 1, no. 3 (2024): e202401. http://dx.doi.org/10.23882/emss24069.

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This study aims to assess the impact of longer payment terms on the survival of Moroccan SMEs. The data collected and processed by Bank Al-Maghrib and the Observatory of payment delays in Morocco, converge towards the same unique observation, that Moroccan VSEs are the first victims of payment delays, with customer delays exceeding 8 months in 2021. This study highlights the challenges faced by these companies, and explores the legislative measures that could improve their situation. Using a methodological approach based on narrative synthesis and the analysis of quantitative data, the study h
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15

Rogowski, Waldemar. "Payment Delays: Their Reasons, Scale and Consequences." Journal of Management and Financial Sciences, no. 30 (July 29, 2019): 91–114. http://dx.doi.org/10.33119/jmfs.2017.30.6.

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The paper discusses theoretical and practical aspects of a relevant and pertinentissue of the reasons behind late payments in B2B commercial transactions and theirconsequences. It aims at identifying reasons for late payments and pinpointing theireconomic consequences and costs. It also addresses the scale of the phenomenon,especially for payments overdue by more than 60 days, considered the most dangerousfor regular performance of enterprises. The paper provides the results of studies onthese aspects quoted in three most important reports by the following companies:Bisnode D&B, Atradius,
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SANGEETHA G, NAVIS, and Dr M. JOHN PAUL. "A Study on Significance of Digital Payments in Enhancing Business Efficiency and Security in R k Hollow Blocks." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44347.

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The rapid evolution of digital payment systems has significantly transformed business operations, enhancing efficiency and security across various sectors. This study explores the impact of digital payments on business performance, with a specific focus on R K Hollow Blocks, a manufacturing enterprise. The research examines how the adoption of digital transactions improves financial management, reduces operational costs, and enhances transaction security. Through a combination of qualitative and quantitative methods, this study assesses the benefits of digital payments in streamlining cash flo
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Hindun Siva Afriani, Muhamad Rizal, and Sari Usih Natari. "Perlindungan Hukum Terhadap Tenaga Kerja Borongan Bangunan Atas Keterlambatan Pemberian Upah (Perumahan Tamansari 2)." Doktrin: Jurnal Dunia Ilmu Hukum dan Politik 1, no. 3 (2023): 40–50. https://doi.org/10.59581/doktrin.v1i3.728.

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Contract work in construction is one of the common forms of work performed in the construction industry. In contract work, workers are hired to complete construction projects within a specified timeframe and agreed-upon cost. However, there are often cases where contract workers experience delays or wage payment postponements. The research aims to analyze the legal protection for contract workers in the construction industry concerning delayed wage payments. In Indonesia, there are labor regulations that govern the rights and obligations of workers, including wage payments. If there is a delay
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18

Sulung, Anggita Putri. "Evaluation of The Impact Delay Payments on The Performance of Subcontractors." Eduvest - Journal of Universal Studies 5, no. 5 (2025): 5448–64. https://doi.org/10.59188/eduvest.v5i5.51165.

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Delayed payments in construction projects remain a persistent issue that directly impacts subcontractor performance, causing project timelines, quality, and financial sustainability disruptions. Despite the critical role of subcontractors, empirical research analyzing the influence of owner and contractor financial management on subcontractor performance, particularly moderated by payment delays, is still limited in Indonesia. This study aims to examine the effects of owner and contractor financial management on subcontractor performance, while evaluating the moderating role of payment delays.
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Elsharkawi, Hamdy, Emad Elbeltagi, Mohamed S. Eid, Wael Alattyih, and Hossam Wefki. "Construction Payment Automation Through Scan-to-BIM and Blockchain-Enabled Smart Contract." Buildings 15, no. 2 (2025): 213. https://doi.org/10.3390/buildings15020213.

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Timely approvals and payments to the project participants are crucial for successful completion of construction projects. However, the construction industry faces persistent delays and non-payments to contractors. Despite the desirable benefits of automated payments and enhanced access to digitized data progress, most payment applications rely on centralized control mechanisms; inefficient procedures; and documentation that takes time to prepare, review, and approve. As such, there is a need for a reliable payment automation system that guarantees timely execution of payments upon the detectio
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Septiani, Ni Kadek, Ida Ayu Putri Widawati, and Anak Agung Istri M. Septiviari. "Analisis Prosedur Pembayaran Utang Supplier di Hotel X." AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis 4, no. 3 (2024): 1109–23. http://dx.doi.org/10.37481/jmeb.v4i3.868.

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The purpose of this research is to determine the procedure for paying supplier debts on accounts payable for the period January-December 2023 at Hotel X. The data analysis technique used in this research is descriptive qualitative based on data collection from interviews and observations. This research was motivated by the delay in payment of debts to suppliers. The research conducted at Hotel X revealed that delays in debt payments were caused by the fact that the procedures for paying debts to suppliers at Hotel X were not implemented according to the concept. The receiving department does n
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Wiratama, Jansen, Monika Evelin Johan, Sobiyanto Sobiyanto, Matthew Chandra Wijaya, and Victor Ilyas Sugara. "Development of Web-based Application for Private School Tuition Fee Management with Prototyping Model." Journal of Information Systems and Informatics 5, no. 4 (2023): 1402–15. http://dx.doi.org/10.51519/journalisi.v5i4.588.

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Private schools need help in handling school fees and financial processes. Traditional manual payment systems result in data processing issues, delayed financial reporting, and complications from misplaced records. Late fee payments threaten school income, which is crucial for staff salaries. Modern solutions are imperative. Desktop applications have limitations, requiring installation on specific devices, leading to compatibility concerns. This research opts for a web-based application. It employs prototyping models and predictive abilities using the Naïve Bayes algorithm. The web-based appli
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Yuswalina, Yuswalina, and Zuhdi Imron. "Late Payment Fines for buying and Selling Using Shoppe Pay Latter in Sharia and Legal Studies." Nurani: Jurnal Kajian Syari'ah dan Masyarakat 23, no. 2 (2023): 275–82. http://dx.doi.org/10.19109/nurani.v23i2.19433.

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One of them is business activity using internet media that serves non-cash online buying & selling which’s offered by Shopee, namely Shopee Pay Later. Formulation of the problem: (1) What is the process for implementing fines for late payments for buying & selling using Shopee Pay Later according to Civil Law? (2) What are the fines for delays in buying & selling using Shopee Pay Later according to Fiqh Muamalah? This research is Normative Judicial research. From the results of the study it can be concluded that late payment for buying & selling using Shopee Pay Later will incu
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Obeng, Isaac Kwame Essien. "Delaying Payments after the Financial Crisis: Evidence from EU Companies." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 65, no. 2 (2017): 447–63. http://dx.doi.org/10.11118/actaun201765020447.

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The paper investigates economic impact of delayed payments caused by liquidity crisis in the European Union. Using micro data sets on financial statements of 54,277 firms for the period of 2005 to 2014 inclusive, we perform panel data analysis by estimating fixed effects regression models with selected macroeconomic shocks. The results show high variability of late payments during financial crisis compare to period of relative stable economic situations and late payments is significantly evident across countries under different economic conditions. Additionally, we identify positive relationsh
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Marwah, Khairunnisa Siregar. "Prosedur Pembayaran Payment Request Melalui Sarana Centra di PT Pelindo Multi Terminal (Studi Kasus: PT. Pelindo Multi Terminal)." Madani: Jurnal Ilmiah Multidisiplin 1, no. 5 (2023): 304–9. https://doi.org/10.5281/zenodo.8015996.

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The Payment System is a system related to the transfer of a sum of money from one party to another. Company payment systems that we often encounter in general use cash or non-cash media. This task will discuss the payment procedure through the central system. The existence of this central system makes it easier for employees and subsidiaries to make payments. However, the facts on the ground state that many employees and subsidiaries have difficulty using the central system. So that there is a delay in the payment process. Therefore, the practitioner tries to describe the problem and solve the
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Aje, Olaniyi Isaac, Oluwole Alfred Olatunji, and Olanrewaju Augustine Olalusi. "Overrun causations under advance payment regimes." Built Environment Project and Asset Management 7, no. 1 (2017): 86–98. http://dx.doi.org/10.1108/bepam-06-2015-0028.

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Purpose Evidence suggests project owners could use advance payments to prevent cost escalations. The purpose of this paper is to elicit the relationships between causations of overruns when advance payments are issued to contractors. Design/methodology/approach In total, 97 responses from a questionnaire survey were analysed. Additional data on 51 projects, completed between 2000 and 2014 under different advance payments regimes, were also obtained and analysed. Findings Project owners issue advance payments to contractors so as to avoid delays. However, statistical correlation between advance
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Kalegera, Brenda Ajema, and Nixon Oluoch Omoro. "Payment Delays and Financial Performance of Construction Firms in Vihiga County, Kenya." Applied Economics and Finance 7, no. 3 (2020): 44. http://dx.doi.org/10.11114/aef.v7i3.4775.

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The purpose of this study was to establish whether payment delays affect financial performance of construction firms. The study employed cross sectional research design, stratified simple random sampling and census survey of 32 construction firms. The study relied on secondary data from audited financial reports. Data was analyzed using both descriptive and inferential statistics - multivariate analysis. There was no statistical significant effect between delayed payments and financial performance as measured by Net profit margin and current ratio, probably other factors or measures such as ma
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Mbatha, Samuel Kiilu, Ahmad Omar Alkizim, and Titus Kivaa Mbiti. "Delay Management as a Mitigation Strategy for Conflicts in Construction Projects in Kenya." East African Journal of Engineering 5, no. 1 (2022): 205–20. http://dx.doi.org/10.37284/eaje.5.1.947.

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The problem of conflicts in construction projects is a fact that happens in many countries, one of which is conflicts associated ensuing from delays. Delay management is exceedingly arduous and remains ineffective as the majority of the construction projects are tardy in time performance. The study aimed to investigate the role of delay management in mitigating project conflicts caused by delay factors by examining the causes and management approaches to these delays during the project implementation process. Empirical evidence from a review of the literature has unveiled that delay conflicts
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Yomeldi, Hespri, Moh Roufiq Azmy, and Ryche Pranita. "Analisis Kecenderungan Keterlambatan Pembayaran Pengecekan Kapal di Pelabuhan Regional Riau." Jurnal Sistem Cerdas 2, no. 2 (2019): 92–98. http://dx.doi.org/10.37396/jsc.v2i2.36.

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Ship health checks must be carried out which function to provide a sailing permit. The implementation of ship health checks is carried out in collaboration with the ministry of health and transportation. The implementation of the activity, commonly known as Port Health Quarantine Clearance (PHQC) requires time to check and the ship makes a payment check to be able to issue a sailing permit. The problem that arises in the field is that the ship delays PHQC payments and then impacts on the buildup of ships in the port, besides that officers also need longer time to process the issuance of sailin
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Anson Benson Nkhata and Harrison Daka. "Dynamics of delayed salary payments in Zambian local authorities: A case of Lusaka City Council." World Journal of Advanced Research and Reviews 25, no. 3 (2025): 1181–94. https://doi.org/10.30574/wjarr.2025.25.3.0495.

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This study investigated the causes, repercussions, and potential solutions to delayed salary payments in local authorities in Zambia, focusing on the Lusaka City Council. The Systems Theory was used to analyze the delayed payment of salaries in local authorities. Employing a descriptive research design with a mixed-methods approach, data were collected from 81 randomly selected employees using interviews and semi-structured questionnaires. Quantitative data were analyzed using descriptive statistics in SPSS version 25, while qualitative data were examined through thematic analysis with NVivo.
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Banerjee, Abhijit, Esther Duflo, Clément Imbert, Santhosh Mathew, and Rohini Pande. "E-governance, Accountability, and Leakage in Public Programs: Experimental Evidence from a Financial Management Reform in India." American Economic Journal: Applied Economics 12, no. 4 (2020): 39–72. http://dx.doi.org/10.1257/app.20180302.

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Can e-governance reforms improve government policy? By making information available on a real-time basis, information technologies may reduce the theft of public funds. We analyze a large field experiment and the nationwide scale-up of a reform to India’s workfare program. Advance payments were replaced by “ just-in-time” payments, triggered by e-invoicing, making it easier to detect misreporting. Leakages went down: program expenditures dropped by 24 percent, while employment slightly increased; there were fewer fake households in the official database; and program officials’ personal wealth
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Aninda Zahra, Hendra Harmain, and Wahyu Syarvina. "Analisis Sistem Pengendalian Internal Atas Pembayaran Dana Pensiun pada PT. Taspen Persero KCU Medan." Jurnal Riset Ekonomi dan Akuntansi 2, no. 2 (2024): 140–57. http://dx.doi.org/10.54066/jrea-itb.v2i2.1829.

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The purpose of this study is to know the implementation of internal control over the payment of pension funds, to find out the procedures for distributing pension funds, and to find out improvements that can be implemented in internal control in the future at PT. Taspen (Persero) KCU Medan. This research method uses qualitative methods with interviews, observation and documentation. The subjects of this research were the head of the financial treasurer and employees of the financial accounting department as well as several pension participants at PT. Taspen Persero KCU Medan. This first result
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Azizah, Khafidhotun Zarro. "Analysis of The Causes of The Delay in Loans for Members of The Melati Women's Cooperative in Sidoarjo City." INCOME: Innovation of Economics and Management 3, no. 2 (2024): 20–24. http://dx.doi.org/10.32764/income.v3i2.4987.

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Cooperative is an association or an organization consisting of each person who can go in and out like a member. Savings and loan cooperatives collect funds through their members and channel them back to cooperative members and the community. This will result in delays in loans to jasmine women's cooperatives. This study uses a descriptive qualitative method that describes the causes of delays in member loans in women's cooperatives. The results of this study indicate that the cause of delays in cooperative loans is because customers continue to delay payments which results in losses to the Jas
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Fatma, Sadaf, Vinod Mishra, and Ranu Singh. "Inventory model for instantaneous deteriorating items with time sensitive demand for post COVID-19 recovery." Yugoslav Journal of Operations Research, no. 00 (2022): 39. http://dx.doi.org/10.2298/yjor220915039f.

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The Covid-19 epidemic has caused substantial obstacles to the supply network globally. Hence there is urgency and necessity to build a model for cash flow in the chain of demand and supply system. This research suggests an inventory model to assist retailers in determining the optimal ordering quantity and replenishment cycle to reduce the total cost in different payment cases. The current study looks toward a partial advance and delays in the payment system considering time-sensitive demand, shortage, and partial backlogging for instantaneous deteriorating items. During the financial crisis,
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Al Hadithi, Bevian I. "An investigation into factors causing delays in highway construction projects in iraq." MATEC Web of Conferences 162 (2018): 02035. http://dx.doi.org/10.1051/matecconf/201816202035.

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The highways sector is a prominent sector in any country’s economy because of its impact on the well-being and safety of its citizens. The transport sector has an impact on social improvement and investment in the nation on the illustration that allows access to markets, production, jobs, health and other social services.This study investigates the causes of delay of highway construction projects in Iraq, which is frequent occurrence. Data was collected using questionnaires which were distributed to the key project participants; contractors, owners and consultants. The data were analyzed using
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Muhammad Wajidullah Khan. "Review of Delay Factors in Construction Projects of Riyadh; A Case Study to Enhance Project Performance with Sustainability." Journal of Information Systems Engineering and Management 10, no. 12s (2025): 356–71. https://doi.org/10.52783/jisem.v10i12s.1817.

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The construction project delays can be defined as an extension of time beyond the contractual time agreed during the tender stage, in past decade almost 70% of mega construction projects experienced time overruns. The construction professionals have specified that they have been facing average time delay of 10 to 30% from the original duration of the project. In modern building projects delays during MEP (Mechanical, Electrical and Plumbing) system installation phase are exceeding due to complexity and mechanized application of services in building projects. This study investigates the key cha
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Yulianah, Yuyun, Mumuh M. Rozi, M. Rendi Aridhayandi, and Muhammad Fahmi Anwar. "ANALISA TERHADAP PENGGUNA APLIKASI SHOPEE YANG MENGALAMI KETERLAMBATAN PEMBAYARAN SPAYLATER." Jurnal Hukum Mimbar Justitia 8, no. 2 (2022): 487. http://dx.doi.org/10.35194/jhmj.v8i2.3048.

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SPaylater is a feature in shopee e-commerce that is used as a payment method that provides loans for its users, to make transactions on e-commerce in the shopee application. The use of the SPayLater feature imposes terms and conditions that must be met. However, users often ignore these terms and conditions, resulting in legal consequences. The problems studied are: (1), what are the factors that cause delays in payment of SPayLater users to consumers?, (2) What is the impact of late payments of SPayLater on the shopee application?, (3) What are the responsibilities of the parties?. The proble
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Addinur, Addinur, Benny Djaja, and Maman Sudirman. "Resolution of Credit Agreement Disputes Due To Force Majeure From The Perspective of Syariah Banking." Ranah Research : Journal of Multidisciplinary Research and Development 7, no. 2 (2024): 801–7. https://doi.org/10.38035/rrj.v7i2.1337.

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This study analyzes the impact of recession on credit contracts in Islamic banking, especially in e-commerce activities. Murabahah-based credit contracts, which are used as financing products based on credit sales, involve the customer's obligation to pay installments according to the agreement. However, recessionary conditions create difficulties for customers in fulfilling their obligations, thus creating the potential for payment delays that can be detrimental to the bank. From an Islamic legal perspective, conditions beyond human control, such as recession, can be categorized as force maje
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V. Govindasamy. "Secure Edge-Based IoT Integration in Mobile-Enabled Real-Time Payments." Journal of Electrical Systems 21, no. 1s (2025): 320–27. https://doi.org/10.52783/jes.8813.

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The rapid evolution of mobile-enabled real-time payment systems, coupled with the proliferation of Internet of Things (IoT) devices, necessitates robust security and efficiency measures. Traditional cloud-centric payment architectures face challenges such as high latency, data exposure, and security vulnerabilities. This paper proposes a secure edge-based IoT integration framework to enhance the security, scalability, and real-time processing of mobile payments. By leveraging edge computing, blockchain technology, and AI-driven anomaly detection, the framework reduces latency, optimizes transa
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Rizkillah, Muhamad Fathin, Umar Mansyuri, and Rahadian Arief. "Design of Web-Based SPP Payment System with Payment Gateway at PAUD Nurul Ikhsan Ciruas Using Laravel Framework." Brilliance: Research of Artificial Intelligence 5, no. 1 (2025): 467–73. https://doi.org/10.47709/brilliance.v5i1.6460.

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The payment process for Education Development Contributions (SPP) at PAUD Nurul Ikhsan Ciruas was previously done manually, which posed challenges in terms of timeliness, accuracy, and transparency in financial recording. These limitations often resulted in delays in payment tracking, difficulties in reporting, and lack of real-time access for parents or guardians. Based on these issues, this study designed and implemented a web-based information system to support both direct and installment payments for SPP. The system includes online payment options through integration with a third-party pay
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Wibisono, Bagas, and Abdul Rohman. "The Digital Transformation of Land and Building Tax Payments with Predictive Systems." Jurnal Sistem Cerdas 7, no. 3 (2024): 307–17. https://doi.org/10.37396/jsc.v7i3.459.

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Digital transformation in the tax payment sector is an essential step to enhance transparency and accountability. This research aims to develop and implement a predictive information system that can predict the payment behavior of Land and Building Tax in Village. The main problem faced is the often slow and non-transparent payment process, as well as the risk of errors or payment defaults. The developed information system uses historical data analysis methods with predictive algorithms to project the future behavior of taxpayers. This system is also equipped with a real-time validation featur
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Fransisca Candra Sutrisno and A. Soerjowardhana. "The Role Of Account Receivables In Handling Delays In Billing Account (Invoices) At The Aruss Hotel Semarang." International Conference on Education, Social Sciences and Technology (ICESST) 2, no. 2 (2023): 65–76. http://dx.doi.org/10.55606/icesst.v2i2.285.

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This final project aims to explain the role of accounts receivable in handling delays in collection of receivables (invoices) at the Aruss Hotel Semarang. The data collection method used in this study is a study of secondary documents, so that accurate data can be obtained regarding the role of efforts to handle late collection of receivables. There are various causes for late payment of receivables, one of which is the length of time for disbursing funds so that payments exceed the due date given. The results that can be obtained from this study are that accounts receivable have an important
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Sujono Sujono, Zulfikar Zulfikar, and Afif Maulana. "Rancang Bangun Sistem Pembayaran Parkir Menggunakan RFID Berbasis Arduino." Jurnal Penelitian Teknologi Informasi dan Sains 2, no. 4 (2024): 16–27. https://doi.org/10.54066/jptis.v2i4.2518.

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The issue of illegal parking in various urban areas often causes traffic congestion, disorder, and economic losses for official parking operators. One of the main causes of this phenomenon is the weakness of parking management systems and the lack of effective supervision. To address this issue, this research designs and develops an RFID (Radio Frequency Identification)-based parking payment system as a solution. Traditional parking payment systems, which often still rely on cash payments, also frequently cause problems such as transaction delays, difficulties in providing change, and dependen
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Grigonytė, Ingrida, and Vytautas Sūdžius. "PAYMENT RISK ESTIMATION IN THE MARKETS OF LITHUANIA, LATVIA AND ESTONIA." Business, Management and Education 8, no. 1 (2010): 7–20. http://dx.doi.org/10.3846/bme.2010.01.

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According to difficult business situation, payments to business partners, clients or suppliers are delayed more than usual. That could be a serious threat to enterprises. In this article solvency importance to all business units as well as company‘s ability to pay their debts to other market units (partners, suppliers, etc.) in Lithuania, Latvia and Estonia are discussed. The data used in this article are taken from Intrum Justitia OY EPI (European Payment Index) research. Payment index in three Baltic region countries, harm that can be done to enterprises, and company‘s behaviour according to
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Kocha, Jeet. "Vendor Payment Modernization Frameworks: Blockchain-Enabled Smart Contracts to Eliminate Service Delays in Assistive Tech Procurement." American Journal of Engineering and Technology 7, no. 07 (2025): 9–17. https://doi.org/10.37547/tajet/volume07issue07-02.

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Delays in vendor payments within public sector organisations, especially with the procurement of assistive technology for individuals with disabilities, pose significant difficulties to service efficiency, equity, and operational responsibility. Conventional payment systems are impeded by human verification procedures, fragmented data flows, and regulatory obstacles that frequently prolong service delivery timelines. This study introduces a research-based system that utilizes blockchain-enabled smart contracts to enhance vendor payment processes and eradicate service delays in AT procurement.
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L., J. F. "DELAYS BY HMO LEAVING PATIENTS HAUNTED BY BILLS." Pediatrics 98, no. 2 (1996): 248. http://dx.doi.org/10.1542/peds.98.2.248.

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The Health Insurance Plan (HIP) of Greater New York, the state's largest and oldest health maintenance organization (HMO), routinely fails to pay millions of dollars of its members' medical bills each year, leaving subscribers either to cover the bills themselves or to fight collection agencies and lawsuits from doctors demanding overdue payments. The company hangs on to millions of dollars it invests to improve its bottom line. It pays no penalties because regulators have been lax in policing HMOS. What's more, as HIP's record for paying claims deteriorated over the last few years, its record
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Ramachandra, Thanuja, and James Olabode Rotimi. "The Nature of Payment Problems in the New Zealand Construction Industry." Construction Economics and Building 11, no. 2 (2011): 22–33. http://dx.doi.org/10.5130/ajceb.v11i2.2171.

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Delay and loss of payment is a serious problem in the construction industry of many countries. These affect the cash flow of contractors which is critical to meeting their financial obligations. Payment defaults by the principal leads to insolvency of contractors and in turn other parts of the project chain. In recognition of some of these problems, most countries have established payment-specific construction industry legislation and other contractual measures to mitigate the problems, but nevertheless the problem persists. In this context, the paper examines the nature of payment problems in
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Hankede, Mimi, and Attridge Mwelwa. "Assessing the Factors Causing Delay by Insurance Companies to Pay Claims to Customers: A case of selected Insurance Companies, and Pensions and Insurance Authority (PIA)." East African Finance Journal 3, no. 2 (2024): 234–61. http://dx.doi.org/10.59413/eafj/v3.i2.8.

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This study examined the efficiency of insurance claims processing in Zambia, emphasizing the time insurers take to settle claims and concerns over delayed payments. Employing quantitative and qualitative descriptive research methods, primary data was collected from employees of the Pensions and Insurance Authority (PIA) and three (3) insurance companies. Open-ended questionnaire was distributed to PIA, a census was conducted on fifteen (15) employees for the qualitative analysis, but only seven (7) responses were recorded. A closed-ended questionnaire was distributed amongst three (3) insuranc
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Ihsabaihaki, Ainur, Andi Patriadi, and Sajiyo Sajiyo. "Analysis of Factors Contributing to Project Delays Using The Lean Six Sigma Approach." Asian Journal of Engineering, Social and Health 4, no. 2 (2025): 278–87. https://doi.org/10.46799/ajesh.v4i2.527.

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Delays in construction projects pose a major challenge, leading to inefficiencies in time, cost, and resource utilization. This research aims to identify the dominant factors contributing to project delays and propose effective mitigation strategies using the Lean Six Sigma framework. The research focuses on a refinery and wastewater treatment plant construction project in Sidoarjo, Indonesia, which experienced a nine-month delay due to improper planning, inadequate resource allocation, and misaligned project schedules. A mixed-method approach was applied, combining quantitative analysis throu
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Veronika Natalia, Nur Nawaningtyas Pusparini, and Sandri Sagitarius Sarumaha. "Analisis Sistem Kinerja SIAKAD untuk Pembayaran SPP Mahasiswa pada STMIK Widuri dengan Metode PIECES." Modem : Jurnal Informatika dan Sains Teknologi. 2, no. 4 (2024): 229–44. http://dx.doi.org/10.62951/modem.v2i4.266.

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This research analyzes the performance of the Academic Information System (SIAKAD) in supporting student tuition payments at STMIK Widuri using the PIECES method (Performance, Information, Economy, Control, Efficiency, Service). SIAKAD aims to streamline academic administration and enable online payments. However, issues such as system access delays, especially near payment deadlines, still occur, negatively impacting students' academic services and resulting in administrative penalties. The study employed data collection techniques through observation, interviews, questionnaires, and literatu
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STUMP, ELIZABETH. "Congress Overrides Bush Veto; Delays Cuts to Medicare Physician Payments." Neurology Today 8, no. 15 (2008): 4. http://dx.doi.org/10.1097/01.nt.0000335580.66031.0f.

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