Examining the social and entrepreneurial development of women through Microfinance in Indian context

2019 ◽  
Vol 39 (4) ◽  
pp. 407-421
Author(s):  
Shagun Bansal ◽  
Anjani Kumar Singh
Keyword(s):  
Gender Gap ◽  
Research Work ◽  
Microfinance Institutions ◽  
National Capital Region ◽  
Content Type ◽  
Capital Region ◽  
Household Decision ◽  
Entrepreneurial Skills ◽  
National Capital ◽  
The Impact

Purpose Microfinance is seen as the tool for poverty elimination. It provides loan to that particular section of the society which is not included in the mainstream financial system. The purpose of this paper is to study the impact of Microfinance on the lifestyle of women. The study is undertaken to address the question whether the Microfinance actually reach to the root of poverty and improve the standard of living for women who are considered to be the poorest of poor. This paper also aims to acquire the deeper understanding of the entrepreneurial skills which may or may not be inculcated with the help of Microfinance. Design/methodology/approach The paper is based on empirical data. The data were collected through structured questionnaire and purposive sampling was used. The respondents were the women beneficiaries of the Microfinance Institutions in the National Capital Region. Total of 117 women were personally interviewed to obtain the response for the questionnaire. Findings Microfinance helped to develop entrepreneurial skills among the women as acquiring loan helped them start their own microenterprise and support themselves and their family. Microfinance enhanced the participation of women in the household decision-making. As a result, after obtaining Microfinance, women were found to be more socially developed and empowered. Also, the gender gap seemed to have narrowed as a result of Microfinance. Research limitations/implications The findings of the study are limited to the National Capital Region. Practical implications Microfinance will be beneficial for women and lead to their empowerment when they have control over the usage of the loan. Microfinance institutions play an important role in facilitating women to become self-reliant. With the help of this paper, one can understand the role of Microfinance in uplifting the marginalized section of the society. Originality/value The research work is authentic and original as per the understanding. This paper gives an insight into how Microfinance can not only eliminate poverty but also help women develop the entrepreneurial skills. The paper explores into the issue of how gender inequality can be addressed through Microfinance.

The impact of 9/11 on Muslim identity in the Canadian National Capital Region: Institutional response and future prospects

2005 ◽  
Vol 34 (1) ◽  
pp. 49-68 ◽  
Author(s):  
Ahmad F. Yousif
Keyword(s):  
National Capital Region ◽  
Muslim Community ◽  
Institutional Response ◽  
Muslim Identity ◽  
Capital Region ◽  
Religious Identification ◽  
National Capital ◽  
Post September 11 ◽  
The Individual ◽  
The Impact

In the post-September 11, 2001 period, Muslims living in the Canadian National Capital Region (CNCR) have undergone various challenges at both the individual and community level. This study examines the extent to which the Muslim community in the CNCR has been able to maintain its religious identification, while at the same time adhere to Canadian social values and lifestyle, particularly in the aftermath of 9/11. It commences with a général overview of the changing demographic characteristics of the Muslim community in the CNCR, and assesses the impact of 9/11 on Muslims. Subsequently, the role played by Muslim and non-Muslim institutions in assisting Muslims to adjust to the crisis is discussed, while stratégies are proposed for how Muslims can enhance their acculturation into Canadian society in the aftermath of 9/11.

scholarly journals An empirical study to analyse impact of demographic factors on consumer perception towards e-payments with reference to national capital region, india

2020 ◽  
Vol 10 (3) ◽  
pp. 41-46
Author(s):  
Kapil Mohan Garg ◽  
Twinkle Goyal
Keyword(s):  
Sampling Method ◽  
Demographic Factors ◽  
Primary Data ◽  
Extensive Literature ◽  
Technological Advancement ◽  
National Capital Region ◽  
Snowball Sampling ◽  
Capital Region ◽  
National Capital ◽  
The Impact

In the present world, smartphones play an important role in the daily life of people. Technological advancement has made smartphones as devices where mobile users can make money transactions or payment by using applications installed on the smartphone. It’s no secret that people today are digital natives. In this technology-driven society, paying for a cappuccino using a pay-and-go method or buying a sweatshirt with a one-click model, has become the norm. Backing away from cash, they drive innovation in the digital payments industry. That’s the reason digital-driven payments become one of the trends ripe in this digital push era.The research is an attempt at analyzing the impact of demographic factors on consumer selection of the mode of payment along with an understanding of what people think about the idea of paying online and up to what extent they find it more convenient. It is also about knowing factors that affect the consumer’s decision to adopt mobile wallets and various risks and challenges faced by the users of the mobile wallet. An extensive literature review is also done and a lot of information is collected from different sources. In this research, the primary data is collected from the people of the National Capital Region. For this research, the convenience sampling method and snowball sampling method of non-probability sampling is used. The tool used for the collection of data and making of questionnaires is google forms and data is collected from 215 respondents. For tabulation and analysis of data, analytical tools like Microsoft Excel and SPSS is used.

Gaps in customer satisfaction with digital wallets: challenge for sustainability

2018 ◽  
Vol 37 (6) ◽  
pp. 442-451 ◽  
Author(s):  
Ramesh Kumar Bagla ◽  
Vivek Sancheti
Keyword(s):  
Ease Of Use ◽  
Data Matrix ◽  
Primary Data ◽  
Satisfaction Level ◽  
National Capital Region ◽  
Content Type ◽  
Capital Region ◽  
National Capital ◽  
Transaction Security ◽  
Digital Wallets

Purpose The purpose of this paper is to examine the factors responsible for growing popularity of digital wallets in India and sustainibility challenges faced by this innovative product on account of gaps between expectations of the users and their satisfaction level with leading wallet brands like Paytm, Freecharge, Mobikwik and Oxigen. Design/methodology/approach The descriptive research is based on primary data collected with the help of a structured questionnaire from 313 respondents in National Capital Region of Delhi chosen through non-probability convenience sampling. The collected data were converted into data matrix using SPSS 23.0 software and inferential analysis was done. Findings Attractive cashback and rewards, ease of use, instant money transfer without using cash, relatively higher transaction security as compared to credit/debit cards and absence of any transaction fee are the factors responsible for growing use of digital wallets. However, there are gaps between customers’ expectations and the satisfaction level which pose a challenge for sustainibility of digital wallets. Research limitations/implications The study is limited to National Capital Region of Delhi for a specified set of factors considered important for customers’ satisfaction. Originality/value This paper offers fresh insights into the gaps between Indian customers’ expectations their satisfaction level with the leading digital wallet brands operating in India, which can be used to bridge these gaps for ensuring their long-term sustainability in a competitive environment.

Information technology sector in India and gender inclusivity

2015 ◽  
Vol 30 (2) ◽  
pp. 94-108 ◽  
Author(s):  
Sangita Dutta Gupta ◽  
Ajitava Raychaudhuri ◽  
Sushil Kr. Haldar
Keyword(s):  
Information Technology ◽  
National Capital Region ◽  
It Industry ◽  
Content Type ◽  
Policy Initiatives ◽  
Technology Sector ◽  
National Capital ◽  
Female Employees ◽  
And Gender ◽  
The Impact

Purpose – This paper aims to address the issue of gender inclusivity in the information technology (IT) sector of India. The main objective of the paper is to find out the factors influencing female participation in the IT industry. It proposes some policy initiatives to support involvement of women in adequate proportion in the workforce. Design/methodology/approach – The study uses a unique set of data from 63 IT companies from three big cities of Delhi-National Capital Region (NCR), Bengaluru and Kolkata. An ordered logit model is applied to find out the determinants of female absorption in the IT industry. ANOVA is used to study the variations between and within the IT industry of female labor force participation. Findings – Result reveals that the percentage and mobility of female employees in an organization does not depend on the turnover or the total number of skilled employees in the organization. It depends on the location. Research limitations/implications – The main limitation of the paper is that many IT companies do not want to reveal data about the percentage of female employees. If more companies could have been included, more accurate results could have been found. Practical implications – The study discusses the aspect of gender inclusivity in the IT sector as well as the impact of higher skill on gender. The paper proposes some policy initiatives which can increase the number of female employees in the IT sector. Originality/value – The study fulfills the need to know about the gender inclusivity aspect of the IT sector in India.

Employment relations and perceived organizational performance: the moderating role of technological intensity

2020 ◽  
Vol 43 (1) ◽  
pp. 109-130
Author(s):  
Harsh Harsh ◽  
Asha Prasad
Keyword(s):  
Organizational Performance ◽  
Industrial Relations ◽  
Survey Method ◽  
National Capital Region ◽  
Employment Relation ◽  
Content Type ◽  
National Capital ◽  
Technological Intensity ◽  
The Impact

PurposeThe purpose of the study is to examine the relationship of different dimensions of employment relation (ER) with perceived organizational performance. The study also attempts to analyze the role of technological intensity in determining the employment approaches adopted by the firm.Design/methodology/approachData were gathered through the survey method and in-depth personal interviews were conducted in Indian manufacturing firms based in the National Capital Region (NCR).FindingsThe findings confirm that all dimensions of employment relation have profound and significant relationship with perceived organizational performance. It also revealed that technology intensity of the industry determines the way people are managed in the organization.Originality/valueThe study has contributed to the existing body of knowledge by understanding the impact of unique framework of ER (industrial relations and HRM) on organizational performance. The study represents the one of the fewest attempts to measure technology intensity as moderating variable in ER & Performance.

India may ease capital’s smog problem in the long term

2017 ◽  
Keyword(s):  
Indoor Air ◽  
Vehicle Emissions ◽  
National Capital Region ◽  
Short Term ◽  
Content Type ◽  
Capital Region ◽  
National Capital

Subject Delhi's efforts to combat toxic smog. Significance India’s National Capital Region (NCR) frequently registers dangerously high levels of toxic smog, largely caused by industrial and vehicle emissions, construction dust and illegal crop-burning by farmers in surrounding states. Delhi is fast acquiring the reputation of being an unattractive place to live and do business in. Impacts The market for indoor air-purifiers and face masks will expand. Delhi may see higher levels of out-migration by skilled and expat workers in the short term. Other major cities in India may come under pressure to implement similar anti-pollution measures to those in Delhi.

scholarly journals Exploring the impact of COVID-19 pandemic on women entrepreneurs in Pakistan

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Faisal Mustafa ◽  
Ambreen Khursheed ◽  
Maham Fatima ◽  
Marriam Rao
Keyword(s):  
Developing Countries ◽  
Research Design ◽  
Gender Gap ◽  
Women Entrepreneurs ◽  
Case Study Research ◽  
Well Being ◽  
Microfinance Institutions ◽  
Structured Interviews ◽  
Content Type ◽  
The Impact

Purpose The purpose of this paper is to explore the impact of COVID-19 lockdown on micro-businesses owned by women borrowers of microfinance institutions and to provide policy suggestions to assist women entrepreneurs in managing such an unexpected crisis from a qualitative perspective within developing countries such as Pakistan. Design/methodology/approach The study adopts a qualitative research design to explore the impact of COVID-19 on women’s entrepreneurial activities. Seven women entrepreneurs were selected and semi-structured interviews with focused group discussion under case study research design are used. Thereby providing a contemporary view of the issues faced by women entrepreneurs in the period of huge social and economic upheaval. Findings The results provide valuable insights about how the COVID-19 crisis affected women entrepreneurs by particularly considering household income, business sales, lifestyle and mental health. The liquidation of women-led businesses indicated the necessity to reconsider creativity and digitalization for business survival. Moreover, the results also revealed that the impact of the COVID-19 pandemic on the physical, mental and economic well-being of women highlights the need for considering gender gap issues in forming response policies for COVID-19 in developing countries. Originality/value As the COVID-19 crisis is a recent and existing phenomenon, this study is among the first to explore particularly the impact of the COVID-19 outbreak on micro-enterprises mainly owned and managed by women. Thereby claiming that COVID-19 not only physically but also psychologically affected women entrepreneurs. Moreover, the study highlights a need of skill focused training programs for women entrepreneurs to make sure that they can protect their businesses during such difficult times.

scholarly journals Infection with the SARS-CoV-2 Delta Variant is Associated with Higher Infectious Virus Loads Compared to the Alpha Variant in both Unvaccinated and Vaccinated Individuals

2021 ◽  
Author(s):  
Chun Huai Luo ◽  
C. Paul Morris ◽  
Jaiprasath Sachithanandham ◽  
Adannaya Amadi ◽  
David Gaston ◽  
...  
Keyword(s):  
Infectious Virus ◽  
Clinical Samples ◽  
Threshold Values ◽  
National Capital Region ◽  
Capital Region ◽  
National Capital ◽  
Upper Respiratory ◽  
Alpha Variant ◽  
The Impact ◽  
Clinical Chart

Background The emerging SARS-CoV-2 variant of concern (VOC) B.1.6.17.2 (Delta) quickly displaced the B.1.1.7 (Alpha) and is associated with increases in COVID-19 cases nationally. The Delta variant has been associated with greater transmissibility and higher viral RNA loads in both unvaccinated and fully vaccinated individuals. Data is lacking regarding the infectious virus load in Delta infected individuals and how that compares to individuals infected with other SARS-CoV-2 lineages. Methods Whole genome sequencing of 2,785 clinical isolates was used to characterize the prevalence of SARS-CoV-2 lineages circulating in the National Capital Region between January and July 2021. Clinical chart reviews were performed for the Delta, Alpha, and B.1.2 (a control predominant lineage prior to both VOCs) variants to evaluate disease severity and outcome and Cycle threshold values (Cts) were compared. The presence of infectious virus was determined using Vero-TMPRSS2 cells and anti-SARS-CoV-2 IgG levels were determined from upper respiratory specimen. An analysis of infection in unvaccinated and fully vaccinated populations was performed. Results The Delta variant displaced the Alpha variant to constitute 88.2% of the circulating lineages in the National Capital Region by July, 2021. The Delta variant associated with increased breakthrough infections in fully vaccinated individuals that were mostly symptomatic when compared to the Alpha breakthrough infections, though it is important to note there was a significantly longer period of time between vaccination and infection with Delta infections. The recovery of infectious virus on cell culture was significantly higher with the Delta variant compared to Alpha in both vaccinated and unvaccinated groups. The impact of vaccination on reducing the recovery of infectious virus from clinical samples was only observed with Alpha variant infections but was strongly associated with low localized SARS-CoV-2 IgG for both variants. A comparison of Ct values showed a significant decrease in the Delta compared to Alpha with no significant differences between unvaccinated and vaccinated groups. Conclusions Our data indicate that the Delta variant is associated with increased infectious virus loads when compared to the Alpha variant and decreased upper respiratory antiviral IgG levels. Measures to reduce transmission in addition to increasing vaccinations rates have to be implemented to reduce Delta variant spread.

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