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.

Every coin has two sides: the impact of time pressure on employees’ knowledge hiding

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Xianchun Zhang ◽  
Zhu Yao ◽  
Wan Qunchao ◽  
Fu-Sheng Tsai
Keyword(s):  
Time Pressure ◽  
Negative Impact ◽  
Positive Impact ◽  
Job Security ◽  
Statistical Technique ◽  
Content Type ◽  
Individual Knowledge ◽  
Negative Effect ◽  
Knowledge Hiding ◽  
The Impact

Purpose Time pressure is the most common kind of work pressure that employees face in the workplace; the existing research results on the effect of time pressure are highly controversial (positive, negative, inverted U-shaped). Especially in the era of knowledge economy, there remains a research gap in the impact of time pressure on individual knowledge hiding. The purpose of this paper is to explore the impact of different time pressure (challenge and hindrance) on knowledge hiding and to explain why there is controversy about the effect of time pressure in the academics. Design/methodology/approach The authors collected two waves of data and surveyed 341 R&D employees in China. Moreover, they used regression analysis, bootstrapping and Johnson–Neyman statistical technique to verify research hypotheses. Findings The results show that challenge time pressure (CTP) has a significant negative effect on knowledge hiding, whereas hindrance time pressure (HTP) has a significant positive effect on knowledge hiding; job security mediates the relationship between time pressure and knowledge hiding; temporal leadership strengthen the positive impact of CTP on job security; temporal leadership can mitigate the negative impact of HTP on job security. Originality/value The findings not only respond to the academic debate about the effect of time pressure and point out the reasons for the controversy but also enhance the scholars’ attention and understanding of the internal mechanism between time pressure and knowledge hiding.

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 Does Customer Demotion Jeopardize Loyalty?

2009 ◽  
Vol 73 (3) ◽  
pp. 69-85 ◽  
Author(s):  
Tillmann Wagner ◽  
Thorsten Hennig-Thurau ◽  
Thomas Rudolph
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Loyalty Programs ◽  
Negative Consequences ◽  
Managerial Decision ◽  
Design Variables ◽  
Negative Effect ◽  
Loyalty Intentions ◽  
The Impact ◽  
Scenario Study

Hierarchical loyalty programs award elevated customer status (e.g., “elite membership”) to consumers who meet a predefined spending level. However, if a customer subsequently falls short of the required spending level, firms commonly revoke that status. The authors investigate the impact of such customer demotion on loyalty intentions toward the firm. Building on prospect theory and emotions theory, the authors hypothesize that changes in customer status have an asymmetric negative effect, such that the negative impact of customer demotion is stronger than the positive impact of status increases. An experimental scenario study provides evidence that loyalty intentions are indeed lower for demoted customers than for those who have never been awarded a preferred status, meaning that hierarchical loyalty programs can drive otherwise loyal customers away from a firm. A field study using proprietary sales data from a different industry context demonstrates the robustness of the negative impact of customer demotion. The authors test the extent to which design variables of hierarchical loyalty programs may attenuate the negative consequences of status demotions with a second experimental scenario study and present an analytical model that links status demotion to customer equity to aid managerial decision making.

What Role Does Financial Inclusion Play for Poverty Reduction? Empirical Evidence From The Indian States in the Post-Liberalization Era

2021 ◽  
Author(s):  
Rajesh Barik ◽  
Sanjaya Kumar Lenka
Keyword(s):  
Poverty Reduction ◽  
Urban Poverty ◽  
Random Effect ◽  
Principal Component ◽  
Financial Inclusion ◽  
Least Square ◽  
Indian States ◽  
Pca Method ◽  
Using Data ◽  
The Impact

Abstract The paper tries to analyzes the effect of financial inclusion on poverty reduction among 28 Indian states and rural-urban as well. Using data from 28 Indian states over the period of 1993 to 2015, this study constructed a single financial inclusion index through Principal Component Analysis (PCA) method, which signifies the state-wise variation in financial inclusion services. Furthermore, this study uses Fixed Effect, Random Effect, Panel Corrected Standard Errors, Feasible General Least Square, and Hausman-Taylor Regression model to know the impact of financial inclusion on state-wise poverty reduction and rural-urban poverty reduction as well. The results of this study suggest that financial inclusion has a negative and significant effect on state-wise and rural-urban poverty reduction respectively. With regards to the control variables, this study finds that variables like social sector expenditure, per capita state GDP and capital receipt are negatively associated with all three categories of poverty (i.e., overall poverty and rural-urban poverty) whereas the rural population is positively associated.

Factors of Macroeconomic Dynamics in the Transition to the Information Economy

2019 ◽  
Vol 7 (1) ◽  
pp. 25-30
Author(s):  
Леонид Басовский ◽  
Leonid Basovskiy ◽  
Елена Басовская ◽  
Elena Basovskaya
Keyword(s):  
Economic Growth ◽  
Factor Analysis ◽  
Growth Rates ◽  
Positive Impact ◽  
Principal Component ◽  
Developed Countries ◽  
Entire Period ◽  
Annual Growth Rate ◽  
Negative Effect ◽  
The Impact

The study was made of the relationship between GDP growth rates and individual components of its final use by combining factor analysis using the principal component method and regression analysis. The period from 1955 to 1980 was studied using data on the average annual growth rate of components over fiveyear periods in the countries of the non-socialist world. The growth rates of the various components of the use of GDP at different stages as the fourth technical and economic structure of the fourth dominates and the development of crisis phenomena in the economy has had a variable impact on economic growth. During the crisis period, the impact of the growth of all components of using GDP on economic growth has dropped sharply. The greatest role in this period was played by the growth of current expenditures of the state. Comparison of the structure of the use of GDP using factor analysis by the method of principal components was carried out by the average annual values for the period from 1950 to 1980. As the development crisis approaches, as the models show, the influence of factors of the structure of using GDP on economic growth decreases. During the entire period, high levels of government spending had a negative effect on economic growth. The impact of exports and imports was positive for the entire period studied. Overcoming the crisis in the economies of developed countries led to a transition to a positive impact of investment on economic growth.

scholarly journals A Study on the Impact of Linguistic Persuasive Styles on the Sales Volume of Live Streaming Products in Social E-commerce Environment

Mathematics ◽  
2021 ◽  
Vol 9 (13) ◽  
pp. 1576
Author(s):  
Hanyang Luo ◽  
Sijia Cheng ◽  
Wanhua Zhou ◽  
Sumin Yu ◽  
Xudong Lin
Keyword(s):  
Latent Dirichlet Allocation ◽  
Negative Impact ◽  
Positive Impact ◽  
Positive Influence ◽  
Purchase Behavior ◽  
Live Streaming ◽  
Sales Volume ◽  
Linguistic Style ◽  
Negative Effect ◽  
The Impact

Live-stream shopping is developing rapidly, but the sales levels of live streaming products vary by different hosts. How to increase the sales volume of live streaming products has become a problem. Consumers’ purchase behavior in live streaming is determined by some subjective factors, and the persuasiveness of linguistic style affects this subjective judgment to a certain extent. Therefore, the persuasiveness of the hosts’ linguistic style will lead to changes in consumers’ purchase intentions, which will affect the sales volume of products sold in the live streaming. Based on Hovland’s persuasion model, Aristotle’s rhetoric skills, text analysis, Latent Dirichlet Allocation (LDA) topic extraction model and grounded theory, this study divides the host’s linguistic persuasive style in the social e-commerce environment into five types: appealing to personality, appealing to logic, appealing to emotion, appealing to reward, and appealing to exaggeration. Combined with the sales volume of the product, we establish a regression model, and obtain the influence results of the host’s various linguistic persuasive styles on the sales of live streaming products. The results show that: the linguistic persuasive style of appealing to personality has the greatest positive impact on the sales volume of live broadcast products, but the linguistic style of appealing to logic has a negative impact. Interestingly, the same linguistic style has different effects for different types of products: the linguistic style of appealing to exaggeration has a negative effect on the sales volume of apparel products, but it has a positive influence on the sales volume of digital electrical products. Therefore, different linguistic styles should be used for different product types.

scholarly journals DAMPAK KEBERADAAN PASAR MODREN TERHADAP KINERJA EKONOMI REGIONAL

2020 ◽  
Vol 1 (1) ◽  
Author(s):  
Rasidin Karo-Karo Sitepu
Keyword(s):  
Purchasing Power Parity ◽  
Market Access ◽  
Negative Impact ◽  
Positive Impact ◽  
Secondary Data ◽  
Power Parity ◽  
Traditional Markets ◽  
Negative Effect ◽  
Two Stages ◽  
The Impact

The objective of study is to analyze the impact of modern market presence to performance of regional economic. Specification model using simultaneous equations and is suspected by the method of two stages least Squares. Using secondary data for series from 1980 to 2010. The results showed that the presence of a modern market significantly negative effect on the turnover of MSMEs trade sector. Conversely a positive impact on MSME sector of agriculture and manufacture. Scenario modern market presence is significantly negative effect on traditional markets. Number of traditional markets and local government original receipt (PAD) will be decrease. However, overall gross regional domestic product (PDRB) and purchasing power parity are increased, while the number of unemployed decreased. To reduce the negative impact of modern market presence can be done by restricted the license of modern markets, increased access to capital, increased market access by doing a partnership with a modern market.

scholarly journals Impact Free School On The Quality Of Education In Indonesia

2019 ◽  
Author(s):  
Susy Yuliastanty
Keyword(s):  
Education Program ◽  
Negative Impact ◽  
Positive Impact ◽  
Compulsory Education ◽  
Quality Of Education ◽  
Free School ◽  
Negative Effect ◽  
The Government ◽  
The Impact

The purpose of this paper is to determine the impact of a free school for the quality of education in Indonesia in view of the aspects, background and purpose of the establishment of free schools, positive and negative impacts holding of free schools, Solutions negative impact of free school program, Effects of Free School Policy on the Quality / quality Education and the Master. The results of the analysis that the economic situation is a portrait of the people who still support the cause of increasing lower the school dropout rates from time to time. While the legislation of our country mandated to continue to educate the children of the nation, the compulsory education program launched by the government be constrained. Efforts to realize the education budget of 20% of the state budget.Free education program does provide a lot of positive impact on education in Indonesia, among which: the inequality of education in Indonesia, providing opportunities for children who are less able to be able to get an education bench, reduce the level of ignorance, unemployment, and poverty, education levels Indonesia will increase, generating qualified human resources, realize the ideals of the Indonesian nation that is participating educate the children of the nation, to promote education and the nation's economy. In addition to a positive impact, free schools also have a negative effect, such as a lack of operating funds because it is centered on the BOS funds, the declining quality of education, lack of motivation and enthusiasm to learn some students because of the effects of free, reduced awareness of parents will be the responsibility of financing education, opportunities misappropriation of budget funds if not closely monitored.

Impact of vertical line extensions on brand attitudes and new extensions

2019 ◽  
Vol 53 (2) ◽  
pp. 299-319 ◽  
Author(s):  
Mauricio Palmeira ◽  
Jing Lei ◽  
Ana Valenzuela
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Experimental Studies ◽  
Vertical Line ◽  
Asymmetric Effect ◽  
Factors Affecting ◽  
Brand Evaluations ◽  
Line Extensions ◽  
Symmetric Pattern ◽  
The Impact

Purpose Companies often extend brands to higher or lower quality tiers to access different market segments. However, the impact of such extensions on the brand and its subsequent offerings is not yet conclusive. While some studies found an “averaging” pattern (all models contribute equally to the overall perception of the brand: a symmetric effect), others found a “best-of-brand” pattern (the positive impact of an upstream extension is much greater than the negative impact of a downstream extension: an asymmetric effect). This paper aims to reconcile these seemingly conflicting findings by assessing the conditions under which each pattern is likely to emerge. Design/methodology/approach Three experimental studies are presented to test the conditions under which a symmetric or asymmetric pattern of brand evaluation would merge. Study 1 examined the impact of judgment focus (quality vs expertise) on the pattern of brand evaluations. Study 2 tested the impact of having a comparative set on the assessment of specific brand dimensions. Study 3 examined the impact of the informativeness of price positioning on product quality expectations. Findings Brand evaluations and attitudes are determined by the presence of a comparative brand and judgment focus. When brands are evaluated without a comparison, a symmetric pattern emerges, as a low-tier extension hurts a brand as much as a high-tier extension helps it. In contrast, when brands are evaluated with a comparison, focusing the assessment on quality leads to a symmetric pattern, while focusing it on expertise leads to an asymmetric one. Research limitations/implications The present research specifies conditions under which a low-tier model may hurt brand perceptions. We used hypothetical brands to avoid the impact of preexisting attitudes. While we expect our results to generalize to real brands, this may be considered a limitation of the present research. Practical implications The current research delineates the circumstances under which vertical line extensions have positive, neutral or negative impact on brand perceptions and future product expectations. We introduce the presence of a comparison set as a key variable and show how it interacts with assessment focus to affect brand evaluations. When thinking about the impact of extensions on brand perceptions, marketers need to consider which assessment focus is likely to be triggered by environmental cues and whether comparisons are salient. Originality/value Brand extension is an important area of investigation as evidenced by the vast literature dedicated to the subject. The present paper advances knowledge in this area by identifying key factors affecting the impact of vertical extensions on brand perceptions.

scholarly journals Factors Affecting C02 Emission in Vietnam: a Panel Data Analysis

2017 ◽  
Vol 8 (2) ◽  
pp. 244-257
Author(s):  
Le Trung Thanh ◽  
Nguyen Duc Khuong
Keyword(s):  
Economic Growth ◽  
Negative Impact ◽  
Panel Data Analysis ◽  
Trade Openness ◽  
Green Energy ◽  
Kuznets Curve ◽  
Factors Affecting ◽  
Distributed Lag ◽  
Major Factors ◽  
The Impact

The purpose of this study is to investigate the major factors in the process of economic growth that influence the carbon dioxide (CO2) emission in Vietnam. An Autoregressive Distributed Lag (ARDL) model was used to evaluate the impact based on Environmental Kuznets curve (EKC) and Pollution haven hypothesis (PHH) in 1990–2011. The results indicate that the economic growth, energy consumption, financial development and trade openness positively influence the CO2 emissions, whereas foreign direct investment has a negative impact in the short term. Coefficient of joining ASEAN is not statistically significant. The findings of this study also support the validity of EKC and PHH in the Vietnamese economy. Therefore, it is important to use green energy, examine requirements for foreign investment and adopt trade-related measures and policies to increase environmental protection.

Sign in / Sign up

Export Citation Format

Share Document