scholarly journals FNGOs and financial inclusion: Investigating the impact of microcredit on employment growth in Ghana

2019 ◽  
Vol 20 (2) ◽  
pp. 90-106 ◽  
Author(s):  
Victor Yawo Atiase ◽  
Yong Wang ◽  
Samia Mahmood
Keyword(s):  
Employment Growth ◽  
Negative Impact ◽  
Positive Impact ◽  
Financial Inclusion ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Governmental Organizations ◽  
Non Governmental Organizations ◽  
Employment Generation ◽  
The Impact

Financial non-governmental organizations (FNGOs) are regulated microfinance institutions that operate with a social welfare logic in the delivery of microcredit to the financially excluded in Ghana. The microcredit is aimed at supporting the financially excluded individuals to create sustainable micro and small enterprises (MSEs) for the generation of both skilled and unskilled employment. From the institutional theory perspective, this study aims at investigating the impact of microcredit provided by FNGOs on employment growth among MSEs in Ghana. The major contribution of this study is the fact that, there is a little study on FNGOs and their impact on employment growth in the Ghanaian context. Therefore, this is one of the few studies that highlights the role of FNGOs in promoting financial inclusion through the provision of microcredit for employment generation purposes. Through a multiple regression analysis, the study uses primary data collected from 506 MSEs in Ghana. The results show that microcredit which is flexible in repayment mode, accessible and adequate has a positive impact on employment generation among MSEs in Ghana. However, the current cost of microcredit in Ghana has a negative impact on employment growth among MSEs.

scholarly journals Effectiveness of Micro-Credit Programs in Socio-Economic Development: A Study on Selected NGOs in Bangladesh

2020 ◽  
pp. 49-61
Author(s):  
Touhidul Islam ◽  
Dr. Razu Ahmed ◽  
Kohinur Aktar
Keyword(s):  
Economic Development ◽  
Positive Impact ◽  
Multinomial Logistic Regression ◽  
Occupational Status ◽  
Primary Data ◽  
Chi Square ◽  
Non Governmental Organizations ◽  
Socio Economic Development ◽  
The Impact ◽  
Micro Credit

Non-governmental Organizations (NGOs) evolved in Bangladesh with the commitment of bringing positive social change and attaining balanced socio-economic development through the disbursement of micro-credit among the marginal people in society. The main intention of the study is to assess the impact of micro-credit on the overall socio-economic development of micro-credit receivers. The Chi-square (χ2) and Multinomial Logistic Regression techniques have applied on primary data collected from 260 beneficiaries of micro-credit of ASA and BRAC NGOs in the Mymensingh district of Bangladesh. The χ2 analysis shows that the amount of micro-credit taken has a significant positive impact on respondents’ type of home, sanitation facilities, ownership of other household assets, health service received, yearly income, expenditure, and savings, and participation in family’s decision making, whereas an insignificant relationship is observed for occupational status, children education, ownership of land and livestock, sources of drinking water, economic solvency, and social status of the respondents.

scholarly journals DAMPAK ALIH FUNGSI LAHAN PERTANIAN CENGKEH TERHADAP KONDISI SOSIAL EKONOMI PETANI (Studi Kasus Petani Pemilik Lahan di Kelurahan Kumelembuai Kecamatan Tomohon Timur)

2017 ◽  
Vol 13 (3A) ◽  
pp. 63
Author(s):  
River Pieter Tandaju ◽  
Elsje P. Manginsela ◽  
Nordy F. L. Waney
Keyword(s):  
Agricultural Land ◽  
Negative Impact ◽  
Positive Impact ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Primary Data ◽  
Land Conversion ◽  
Local Society ◽  
Social Side ◽  
The Impact

The research aims to describe the impact of the conversion of agricultural land of cloves to the socio-economic condition of farmers. The study was conducted from May to July 2017. The data used are primary data obtained through interviews to 5 (five) respondents who sell land for land converted. Secondary data is obtained from Tetetana Hill nature reserve, Kumelembuai village government, books and journals. Data analysis used is descriptive analysis. The research results showed that viewed from the economic side, land conversion has a positive impact for the farmers family and local society. Positive impacts for farmers family include increasing the income, helping to construction the house of farmers, opening up a new farming businesses, and for local society like existence of jobs. Viewed from the social side, land conversion has positive and negative impacts, that is: change of farmers family life status (positive impact), and the influence of visitor habits toward society (negative impact).

scholarly journals IS THE ENVIRONMENTAL PERFORMANCE, ENVIRONMENTAL ACCOUNTING, AGENCY COST IMPACT ON COMPANY PERFORMANCE? (CASE STUDY OF REGIONAL WATER COMPANIES IN INDONESIA)

2020 ◽  
Vol 2 (1) ◽  
pp. 39
Author(s):  
Hendra Setiawan
Keyword(s):  
Environmental Performance ◽  
Negative Impact ◽  
Positive Impact ◽  
Agency Cost ◽  
Environmental Accounting ◽  
Primary Data ◽  
Company Performance ◽  
Performance Audit ◽  
Audit Reports ◽  
The Impact

<p>Companies that want to continue, exist and thrive in this day must make an increase in company performance. The performance referred to here is not just performance according to the company wishes but in accordance with customer needs. Factors that influence the company's current performance are environmental factors and agency cost. This study will analyze the impact of environmental performance, environmental accounting and agency cost on company performance. The target population of this research is the local water company (PDAM) of 34 PDAMs out of 368 PDAMs which were evaluated based on PDAM performance audit reports up to 2016 conducted by BPKP and financial audits by the Public Accountant Office (KAP). Data collection techniques are primary data through questionnaires that are shared with PDAM stakeholders and secondary data on PDAM performance audit reports. The results showed that environmental performance had a significant negative impact on PDAM company performance because of its impact value - 0.334 and the t-statistic was 3.589. Meanwhile, environmental accounting and agency cost have a significant positive impact on the performance of PDAM where the impact values are 0.4692 and 0.3816 and their t-statistics values are 7.3769 and 3.522, respectively. The PDAM must pay attention to its environmental performance impactively and efficiently by always paying attention to environmental accounting and agency costs.</p>

scholarly journals Problematic Financing Fine in Indonesian Ulema Council Perspective

2019 ◽  
Vol 6 (5) ◽  
pp. 241
Author(s):  
Nurmusyahidah Nurmusyahidah ◽  
Arfin Hamid ◽  
Andi Tenri Famauri
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Financial Institution ◽  
Secondary Data ◽  
Working Hours ◽  
Deterrent Effect ◽  
Primary Data ◽  
South Sulawesi ◽  
Negative Impacts ◽  
The Impact

Bad credit is caused by two factors, which are from the bank and from the customer. This study aimed to analyze the fine financing problems in the Islamic of Pawnshop Unit Bone according to Indonesian Ulama Council (MUI) perspective. This research is a normative legal research using a sociological juridical approach. The primary data used are regulations or legal products from the Indonesian Ulama Council, namely the DSN-MUI fatwa regarding fines and direct interviews with employees and customers. Besides, the secondary data used was number of books that contain opinion Indonesian Ulama Council and other literature which is relevant to research. The results showed that the application of fines in financing problems in the islamic pawnshop Unit Bone of South Sulawesi had positive and negative impacts. The positive impact was giving a deterrent effect to customers who face the due while the negative impact is the waste of time for employees who have to work more than working hours. However, the impact of these fines did not reduce the performance of the South Sulawesi specially in the Islamic of Pawnshop Unit Bone in order to become a non-bank financial institution that is still in demand by the public and become a financial institution that can help the economy of Indonesian society, among them is the society in Bone, South Sulawesi. It is because people in Bone regency tend to open up business as their economic livelihoods.

scholarly journals Women Empowerment: Analysis of the Role of Self Help Groups in Empowering Rural Women in Goa

2016 ◽  
Vol 3 (2) ◽  
Author(s):  
Elizabeth Joey Joey Henriques
Keyword(s):  
Rural Women ◽  
Positive Impact ◽  
Primary Data ◽  
Women Empowerment ◽  
Self Help ◽  
Employment Generation ◽  
Self Help Groups ◽  
The Impact ◽  
Self Help Group

Self Help Groups have emerged as an important mechanism to bring about socio-economic change in society. Various studies indicate the positive impact that SHGs have had on employment generation, savings, incomes, poverty alleviation and women empowerment. The present study, based on primary data sourced from women members of SHGs located in the state of Goa is an attempt to understand the impact of group membership on its members, particularly women. An attempt has also been made to throw light on the pivotal role that the Self Help Group Promoting Agencies essay in realising the goal of women empowerment. The study also analyses the independence that women exhibit in taking decisions, be it in the economic or political domain.

Exploring factors influencing online classes due to social distancing in COVID-19 pandemic: a business students perspective

2020 ◽  
Vol 37 (4) ◽  
pp. 197-211 ◽  
Author(s):  
Adil Zia
Keyword(s):  
Business School ◽  
Negative Impact ◽  
Positive Impact ◽  
Business Students ◽  
Primary Data ◽  
Online Classes ◽  
Content Type ◽  
Social Distancing ◽  
The Impact ◽  
And Training

PurposeThis study explores the factors responsible for influencing online classes for business school during the COVID-19 pandemic. This study also examines the level of influence of these factors on online classes.Design/methodology/approachPrimary data were collected online from 716 business school students using a questionnaire developed by the researcher. Smart PLS3 software was used to analyze the data.FindingsAttitude, curriculum, motivation, technology and training were found to have an impact on online classes. Three variables (attitude, motivation and training) have a positive impact on online classes, whereas two variables (curriculum and technology) have a negative impact on the online classes. All the factors have been found to be significant except technology which is found to have an insignificant impact (p = 0.356) on online classes.Research limitations/implicationsOnly one university’s students were surveyed.Practical implicationsOutlines the factors which have a positive and significant impact on online classes during COVID-19 pandemic. This study can be generalized through a student's community across the world as the students face similar problems associated with online classes during the COVID-19 pandemic.Social implicationsSuggest factors that can be considered while COVID-19 pandemic during social distancing to make online classes more effective and to reduce the impact of this pandemic.Originality/valueNo study has documented the factors associated to impact the online classes during the COVID-19 pandemic.

The Impact of Financial Inclusion on Poverty Reduction

2021 ◽  
Vol 0 (0) ◽  
Author(s):  
Huong Thi Thanh Tran ◽  
Ha Thi Thu Le
Keyword(s):  
Poverty Reduction ◽  
Negative Impact ◽  
Positive Impact ◽  
Trade Openness ◽  
Principal Component ◽  
Financial Inclusion ◽  
Factors Affecting ◽  
Global Issue ◽  
Negative Effect ◽  
The Impact

Abstract Poverty is a global issue and a lot of attention and efforts of the international community have been made to deal with this problem. Especially in the context of the COVID-19 pandemic, when a part of the population could fall into poverty due to rising unemployment and income deduction, identifying the factors affecting poverty becomes particularly important. Financial inclusion has been recognized as one important factor affecting poverty reduction. This research is conducted to investigate the impact of financial inclusion and other control variables on poverty reduction. The study employs Principal Component Analysis (PCA) to build a financial inclusion index. Using 2SLS and the GMM regressions for a panel data of 29 European countries during the period from 2011 to 2017, the results show that financial inclusion has a negative impact on poverty at all three poverty lines of USD1.9, 3.2, and 5.5 per day. The proportion of the population aged 15–64 and the ratio of service employment to the total number of employment also have a negative effect on all three levels of POV1.9, POV3.2, and POV5.5. In contrast, GDP per capita, trade openness and the proportion of the population aged from 25 with at least secondary school education have a positive impact on poverty at three levels of poverty. The results confirm that financial inclusion plays an important role in reducing poverty. The study provides a number of recommendations to governments to promote financial inclusion and reduce poverty in the countries.

scholarly journals Dampak Pembangunan Obyek Wisata Waterboom dalam Kehidupan Sosial-Ekonomi Masyarakat Desa Mekar Jaya Kabupaten Belitung Timur

2021 ◽  
Vol 7 (3) ◽  
pp. 531
Author(s):  
Yuliana Krismonni ◽  
Putra Pratama Saputra
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Secondary Data ◽  
Economic Life ◽  
The Other ◽  
Primary Data ◽  
Tourist Attraction ◽  
Other Hand ◽  
The People ◽  
The Impact

ABSTRAKPembangunan merupakan suatu proses yang mengarah pada perubahan dalam kehidupan masyarakatnya, baik dari kehidupan sosial, ekonomi, politik dan lain sebagainya menuju arah yang lebih baik lagi. Pada dasarnya dalam suatu pembangunan ditujukan bagi masyarakatnya. Disisi lain hal ini juga bisa berimplikasi atau berdampak bagi kehidupan masyarakatnya. Pembangunan yang tidak berorientasi pada masyarakatnya tentunya akan memberikan dampak yang negatif pula kepada masyarakatnya, dan sebaliknya pembangunan yang berorientasikan kepada masyarakatnya tentu akan memberikan dampak yang positif pula tidak hanya bagi masyarakatnya, juga bagi pihak yang terlibat dalam proses pembangunan tersebut.Adapun tujuan penelitian ini adalah untuk melihat bagaimana dampak yang ditimbulkan dari adanya pembangunan objek wisata ini bagi kehidupan sosial-ekonomi masyarakatnya, dan melihat apakah dengan adanya objek wisata ini dapat mensejahterahkan hidup masyarakatnya. Penelitian ini menggunakan pendekatan deskriptif kualitatif, dengan data primer yang diperoleh dari wawancara dengan informan, dan data sekunder berupa beberapa jurnal, literatur review, dan bebetapa penelitian terdahulu, penelitian ini dilakukan di Desa Mekar Jaya Kecamatan Manggar Kabupaten Belitung Timur. Hasil dari penelitian ini yakni adanya pembangunan unit usaha waterboom ini pada kenyataannya belum terlalu memberikan dampak yang cukup signifikan bagi kehidupan sosial ekonomi masyarakatnya. Hal tersebut dapat terlihat karena dari segi pembangunan yang dilakukan belum terlaksana sepenuhnya, karena terkendala dalam beberapa hal. Sehingga hal ini menghambat dalam proses pembangunan yang ada.  ABSTRACTDevelopment is a process that leads to changes in the life of the people, from social, economic, political and other life towards a better direction. Basically, in a development aimed at the community. On the other hand, this can also have implications or impacts on the life of the community. Development that is not oriented towards the community will certainly have a negative impact on the community, and on the other hand, development that is oriented towards the community will certainly have a positive impact not only on the community, but also for those involved in the development process.The purpose of this research is to see how the impact of the development of this tourist attraction for the socio-economic life of the people, and to see whether the existence of this tourist attraction can make the lives of the people prosperous. This study uses a qualitative descriptive approach, with primary data obtained from interviews with informants, and secondary data in the form of several journals, literature reviews, and some previous research. The result of this research is that the development of the waterboom business unit has not had a significant impact on the socio-economic life of the community. This can be seen because from a development perspective it has not been fully implemented, due to constraints in several ways. So that this hinders the existing development process.

scholarly journals Evaluasi Dampak Pembangunan Pariwisata Menggunakan Konsep Community Based Tourism (CBT) di Kawasan Wisata Tebing Breksi

2021 ◽  
Vol 14 (2) ◽  
pp. 109-124
Author(s):  
Nurwanto Nurwanto
Keyword(s):  
Development Strategy ◽  
Negative Impact ◽  
Positive Impact ◽  
Secondary Data ◽  
Active Role ◽  
Government Support ◽  
Primary Data ◽  
Community Based ◽  
Study Approach ◽  
The Impact

Nowadays the development of tourism in an area will bring a positive impact on the local society. However, if the community is not ready to accept development and is not ready to manage its property, it will have a negative impact. Various problems will arise with the existence of mass tourism which makes it difficult or even detrimental to the community. Therefore, this study will discuss the evaluation of the impact tourism development in Tebing Breksi using the concept of community-based tourism (CBT). CBT is a development strategy that uses tourism as a tool to strengthen local communities that are managed by, from, and for the community, as well as considering aspects of sustainability to improve people’s welfare. The research method used is qualitative using a case study approach. The data used is sourced from primary data and secondary data. Primary data obtained by interviewing speakers who are considered competent in their fields and following the research topic. Secondary data were obtained from previous studies, documentation, a note, and an activity report related to Tebing Breksi. Evaluation of CBT principles at Tebing Breksi is seen based on five aspects, that is (i) Economic principles (ii) Social principles (iii) Cultural principles (iv) Environmental principles (v) Political principles, along with indicators. The result of the analysis shows that the principles of CBT applied at Tebing Breksi as a whole have shown success even though some of the indicators of the CBT principle need to be optimized again, while the positive impact obtained by the community with the presence of this CBT is increased economic income, improved quality of life, concern for waste management and mutual respect between cultures. Also, the success of CBT cannot be separated from the active role of community and government support.

scholarly journals Peculiarities of influence of non-governmental organizations on the relationship of application sanitary and phytosanitary measures

2021 ◽  
pp. 199-204
Author(s):  
N.V. Karpinsʹka
Keyword(s):  
Dispute Settlement ◽  
Positive Impact ◽  
Amicus Curiae ◽  
Legal Form ◽  
Governmental Organizations ◽  
Non Governmental Organizations ◽  
Wto Dispute Settlement ◽  
Phytosanitary Measures ◽  
The Right ◽  
The Impact

The article is devoted to the role and influence of non-governmental organizations on the application of sanitary and phytosanitary measures. The study identifies and analyzes three groups of issues, including: the issue of impact (providing access to the WTO decision-making process), the issue of justice, which is giving NGOs the right to appeal to a WTO dispute settlement body, and the issue of standards, which includes issues of setting private standards that are different or stricter  than international ones. It is noted that international non-governmental organizations are also entrusted with the important task of facilitating the settlement of trade and political disputes by involving their experts as independent experts to draw objective conclusions. Another international legal form of participation of international non-governmental organizations in the activities of the WTO is the study of the impact on development and the environment.  Taking into account the fact that there are very few procedural opportunities for non-governmental organizations to participate in trade disputes, as organizations and other individuals are deprived of the right to act as a full party to a trade dispute under the WTO procedure, the article raises the issue of legal procedure, that would enable non-governmental organizations and individuals to initiate in their country the process of submitting an application to the WTO Dispute Settlement Body. Pointing to the normative unresolved issue, the option of resolving it by submitting amicus curiae applications to the WTO Dispute Settlement Body through one of the parties to the dispute is supported, the position of which is supported in the statement, which in turn would provide further clarification on the content of such a statement, which should have previously verified the accuracy of the data received from amicus curiae. It is concluded that, taking into account the crisis in the WTO in recent years, the realization of the potential of non-governmental organizations can have a positive impact on the recovery of the global trade system.

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