scholarly journals Microfinance As A Tool For Poverty Reduction: A Study Of Jordan

2015 ◽  
Vol 46 (4) ◽  
pp. 172-180 ◽  
Author(s):  
M. Žiaková ◽  
V. Verner
Keyword(s):  
Small Businesses ◽  
Poverty Reduction ◽  
Social Situation ◽  
Future Generations ◽  
Microfinance Institutions ◽  
Self Employment ◽  
The Poor ◽  
The Social ◽  
The Impact ◽  
Female Clients

Abstract The aim of this study is to evaluate the impact of microfinance on the poor, particularly in the specific areas of economic and social development of people and their employment. The research was carried out in Jordan, a country with a well-developed microfinance sector. The results have shown that microfinance has led to an improvement in the financial and social situation of the poor, especially for female clients of microfinance institutions. Interestingly, the higher income of clients has not caused higher expenditure on their basic needs, but rather people have generated saving for their future and used the additional money for education. According to the results of the microfinance impact assessment, it can be assumed that people, particularly females, prefer to improve the social situation for future generations. Based on this finding, we consider microfinance an effective tool for breaking the vicious circles of poverty, especially in Jordan. Furthermore, microcredits have facilitated in increasing employment for the poor, mainly through self-employment. It is believed that there exists a direct connection to the future expansion of microcredits that will lead to the development of small businesses with a promising impact on employability throughout the population structure.

Effect of Microfinance on Poor Peri-Urban Female-Headed Households and the Vulnerability of Women to Poverty in Ghana

2019 ◽  
pp. 208-225
Author(s):  
Bertha Z. Osei-Hwedie ◽  
Napoleon Kurantin
Keyword(s):  
Gender Gap ◽  
Growth And Development ◽  
Poverty Reduction ◽  
Microfinance Institutions ◽  
The Poor ◽  
Negative Impacts ◽  
Female Headed Households ◽  
The Impact ◽  
Proper Balance

This chapter analyzes the impact of microfinance on poverty, in general, and female-headed households, in particular, for Ghana. The analysis shows that there are three types of microfinance institutions in Ghana, and successive governments have identified and upheld microfinance as the means to reduce national poverty rates and close the gender gap in the country. The analysis also demonstrates that microfinance has both positive and negative impacts on poverty and female-headed households. Microfinance has contributed to narrowing the poverty gap between the female and male gender, and improving the quality of their lives. However, on its own, it is not sufficient and necessary means to poverty reduction, growth, and development. The extent to which microfinance impacts on poverty is not conclusive. This necessitates remedial measures such as regulation and monitoring, proper balance between needs of clients and commercial interest of institutions, incentives to microfinance institutions, and capacitation of the poor and institutions.

scholarly journals Effect of Regulation on Outreach of Microfinance Institutions in Ghana

2019 ◽  
Vol 9 (1) ◽  
pp. 317 ◽  
Author(s):  
Joyce Ama Quartey ◽  
Bernice Kotey
Keyword(s):  
Central Bank ◽  
Research Design ◽  
Financial Services ◽  
Small Businesses ◽  
Mixed Methods Research ◽  
Poverty Reduction ◽  
Growth Potential ◽  
Microfinance Institutions ◽  
The Poor ◽  
The Government

Microfinance institutions (MFIs) play an important role in enhancing the growth potential of small businesses. However, while regulation ensures that MFIs are financially sustainable, compliance compels them to make large-sized loans to wealthy clients in order to reduce the risk of lending and minimize administrative costs, a situation that compromises their main goal of reaching out to the poor. The study therefore, examined the effect of regulation on breadth and depth of outreach by microfinance institutions (MFIs) in Ghana. The purpose of the study is to find out whether regulation has enabled MFIs to increase their outreach (breadth and depth) thereby improving their sustainability. A mixed methods research design was employed, involving initial hypotheses testing with 31 self-regulated and 24 Central bank-regulated MFIs. The findings were then triangulated with a qualitative research design involving 13 Central bank-regulated and 20 self-regulated MFIs. The results showed that regulations increased the client base of MFIs but reduced the percentage of poor clients served, largely women. It is recommended that the government set up a fund for poor clients to be accessed by well-performing MFIs for provision of financial services to the poor to assist in poverty reduction.

The Paradox of Poverty: Socio-Economic Aspects of Population Growth.— By T. Scarlett Epstein and Darrell Jackson. The Macmillan of India Limited Delhi, 1975. pp.127.

1978 ◽  
Vol 17 (3) ◽  
pp. 380-382
Author(s):  
M. Javed Akbar Zaki
Keyword(s):  
Decision Making ◽  
Social Situation ◽  
Economic Security ◽  
Rural India ◽  
Factors Affecting ◽  
Number Of Children ◽  
Economic Progress ◽  
The Poor ◽  
Fertility Decision ◽  
The Social

To many social theoreticians, the population explosion, particularly in the developing nations presents a crippling threat to their developmental pro¬cesses. Their argument's validity rests mainly on the assumption that expected economic progress is swallowed up by unbalanced rise of numbers in the population. The book being reviewed deals mainly with this subject matter and is divided into two parts, each containing three articles contributed by various researchers. Part one, 'The Social context of Fertility Decision' is focused on analyzing the role of factors affecting fertility at the micro-level decision making process. The first article 'Fertility decision in rural India' by Vinod Jainath, examines the applicability to rural India of various models of the process of fertility decision making and finds most of these wanting with respect to the Indian social situation. While analyzing the fertility patterns of Rural India, he points out the positive need for larger families among the poor small farmers mainly due to labour supply considerations. The author argues that unemployment and under¬employment actually motivate the poor to have more children as it better ensures their economic security in their old age. As the chances of gaining employ¬ment for their offspring diminish, they are induced to increase the total number of children in order that atleast one will be able to support them. Thus a vicious circle of poverty arises in large families because of each of the parents wanting to increase their children's chances of employment by ultimately reducing the overall employment opportunities even further and exacerbating their poverty.

ON THE REGIME OF COVID-19 EPIDEMIC IN RUSSIA AND ITS IMPACT UPON THE FUEL AND ENERGY COMPLEX, INCLUDING IN EDUCATIONAL AND SCIENTIFIC SPHERES

2020 ◽  
Author(s):  
Svetlana Punanova ◽  
Mikhail Rodkin
Keyword(s):  
Statistical Data ◽  
Social Economic ◽  
Social Situation ◽  
Research Education ◽  
Energy Complex ◽  
The Social ◽  
Political Modernization ◽  
Mode Of Development ◽  
The Impact ◽  
Regions Of Russia

The mode of development of the COVID-19 pandemic in Russia and the impact of the epidemic on the areas of scientific research, education and functioning of the fuel and energy complex are discussed. The official statistics revealed evidence both of effectivity of the taken anti-epidemic measures in Moscow and of possible cases of incorrectness of statistical data. The social situation and the mode of development of the epidemic in Moscow and in the regions of Russia are essentially different, that reduces the effectiveness of anti-epidemic measures introduced uniformly throughout the whole country. The conditions of the pandemic and quarantine are difficult for everyone, but organizations and persons with a more modern informational character of production adapt to them more easily. In general, it can be suggested that the epidemic besides the very essential losses gives an important impulse for social-economic and political modernization of the society.

Private Agricultural R&D: Do the Poor Benefit?

2021 ◽  
Vol 0 (0) ◽  
Author(s):  
Jock R. Anderson ◽  
Regina Birner ◽  
Latha Najarajan ◽  
Anwar Naseem ◽  
Carl E. Pray
Keyword(s):  
Poverty Reduction ◽  
Agricultural Research ◽  
Farming Systems ◽  
Agricultural Technologies ◽  
Policy Makers ◽  
The Public ◽  
The Poor ◽  
The World ◽  
Agricultural Research And Development ◽  
The Impact

Abstract Private agricultural research and development can foster the growth of agricultural productivity in the diverse farming systems of the developing world comparable to the public sector. We examine the extent to which technologies developed by private entities reach smallholder and resource-poor farmers, and the impact they have on poverty reduction. We critically review cases of successfully deployed improved agricultural technologies delivered by the private sector in both large and small developing countries for instructive lessons for policy makers around the world.

SOCIO-ECONOMIC EMPOWERMENT OF WOMEN THROUGH MICRO CREDIT: AN EMPIRICAL STUDY

2021 ◽  
pp. 58-60
Author(s):  
T. Indumathi ◽  
G. Savaraiah
Keyword(s):  
Rural Women ◽  
Poverty Reduction ◽  
Rural Poverty ◽  
Poverty Line ◽  
Economic Empowerment ◽  
Political Empowerment ◽  
The Poor ◽  
The Government ◽  
The Impact ◽  
Micro Credit

The World Bank's Andhra Pradesh Rural Poverty Reduction Project supports the self helf groups of the women members. It promotes women's social, economic, legal and political empowerment to reduce poverty among the poor and the poorest of the poor. The important object of this article is to examine the impact of micronance on the socio economic empowerment of the rural women supported by the national reputed NGO- Rashtriya Seva Samithi (RASS). 184 women members of the SHGs promoted by Rasthriya Seva Samathi (RASS) an NGO which located in Tirupati town. 184 samples are selected randomly from 15 SHGs scattered throughout the Tirupati rural mandal (Taluk) from the area of the study have been considered to conduct the present research study. The study reveals that 87.71 percent of the sample women were below the poverty line before joining the SHGs. As a result of SHG, about 40 percent of the sample women crossed the poverty line. The highest intensive value indicates that more women have participated in social agitations for the welfare of the children and the society. The second highest intensity reveals that considerable numbers of women of SHGs have participated in the government sponsored schemes. The 1st point secured 3rd rank with total intensity value of 605 which status that the micro credit has resulted in increased social status and empowerment.

scholarly journals ASSESSING ECONOMIC IMPACT OF MICROCREDIT SCHEME: A REVIEW OF PAST STUDIES ON AMANAH IKHTIAR MALAYSIA (AIM)

2020 ◽  
Vol 5 (1) ◽  
pp. 124-142
Author(s):  
Noor Syafinas Muda ◽  
Ku 'Azam Tuan Lonik
Keyword(s):  
Economic Impact ◽  
Small Businesses ◽  
Economic Status ◽  
Empirical Studies ◽  
Well Being ◽  
Poor People ◽  
Self Employment ◽  
Economic Impact Assessment ◽  
The Poor ◽  
Microfinance Institution

Background and Purpose: Microcredit scheme was introduced to provide credit facilities for poor people to start a business activity. Microcredit creates income-generating self-employment activities that allow poor people to venture into small businesses and achieve economic independence. The scheme has been recognised as a successful tool to uplift the socio-economic status among the poor. Amanah Ikhtiar Malaysia (AIM) is the largest microfinance institution in Malaysia and therefore, its impact on the beneficiaries is crucial to be studied. This paper aims at reviewing the economic impact of AIM based on the existing literature.   Methodology: Four electronic databases, which are Scopus, Science Direct, Springer and Ebscohost were used to search the literature. Subsequently 118 articles were generated from this search. However, only 13 articles which met the selection criteria were analysed. We selected only empirical studies that focused on the economic impact of AIM.   Findings: Results of the review showed that income has dominated the economic impact assessment followed by asset, economic vulnerability and spending. Low concentration on the indicators other than income should be noted especially on spending as it provides a clear evidence that the recipients enjoy the economic well-being in terms of consumption expenditure.   Contribution: This review reveals that microcredit has a great potential to uplift the economic status of the poor.   Keywords: Amanah Ikhtiar Malaysia, asset, economic impact, income, microcredit.   Cite as: Muda, N. S., & Tuan Lonik, K. A. (2020). Assessing economic impact of microcredit scheme: A review of past studies on Amanah Ikhtiar Malaysia (AIM).  Journal of Nusantara Studies, 5(1), 124-142. http://dx.doi.org/10.24200/jonus.vol5iss1pp124-142

scholarly journals Menentukan Nilai Penggantian Wajar Lahan Terdampak Pekerjaan Reaktifasi Jalur Kereta Api Trase Muaro Logas, Kabupaten Sijunjung, Provinsi Sumatera Barat

2019 ◽  
Vol 17 (1) ◽  
pp. 46-55
Author(s):  
Hasta Herlan Asymar
Keyword(s):  
Local Government ◽  
Vulnerable Groups ◽  
Economic Factors ◽  
The Public ◽  
Railway Line ◽  
The Poor ◽  
Reform Plan ◽  
The Social ◽  
The Impact ◽  
Socio Economic Factors

Abstract  – The calculation of the value of the Reasonable Land Turnover Terdamapak Job Reaktifasi railway line for arbitration was Muaro Logas was part of the study of the action of liberation/land and buildings for the reform plan of the reaktifasi railway line between Muaro-Logas is part of the planning of the reactivation railway line. This study analyzes regulations and policies, perceived an inventory and survey/census by identifying the affected community land procurement, with regard to the characteristics and the types of harm experienced, agreement agreement between the local government, the province and the Center in funding the acquisition of land; analyze optimum land procurement and analyse livelihood for the population affected by socio-economic factors, analyzing the parameters with the social, cultural, and economic related to population, the impact of the procurement of land and influence implementation of the work against the poor, residents of the tribal minorities, alienated, and other vulnerable groups, including women, as well as the institutional framework in planning the liberation of land and the settlements back including duties and responsibilities each institution. In the calculation of the Reasonable Replacement Value using Standar Penilaian Indonesia306 (SPI 306) about the assessment of the provision of Land for development for the benefit of the public

scholarly journals Alleviating Poverty through Islamic Microfinance: Outreach and Efficiency (Study on BMT and Islamic Cooperatives in Indonesia)

2020 ◽  
Vol 16 ◽  
pp. 1362-1376
Author(s):  
Purwanto Purwanto ◽  
Ina Primiana ◽  
Dian Masyita ◽  
Erie Febrian
Keyword(s):  
Coefficient Of Determination ◽  
Data Envelopment ◽  
Strong Positive Correlation ◽  
Microfinance Institutions ◽  
Social Efficiency ◽  
Qualitative Approaches ◽  
The Social ◽  
Dependent Variables ◽  
Islamic Microfinance ◽  
The Impact

The involvement of Islamic Microfinance Institutions (IMFI) in building the national economy is paramount to help the poor. However, provision of access and services to lower-level households can potentially conflict with the sustainability of the institutions. This study analyses the social outreach factors that determine financial and social efficiencies. To reach the set goal and solve this issue, we used mixed methodology combining quantitative (statistical instruments, such as Data Envelopment Analysis (DEA) and multivariate analysis) and qualitative approaches (interviews to clarify or deepen the existing information). The assessment of the dependent variables is influenced by proxies of depth, breadth, length, scope, and cost. The results showed that the average loan instalments and the number of offices and branches significantly influence financial and social efficiency. The age of the institution only has an effect on financial efficiency. Simultaneously, profit orientation, the amount and type of financing and the amount and type of savings only have a high impact on social efficiency, whereas the impact of fund collection and cost per borrower is insignificant. There is a strong positive correlation between the two dependent variables. The influence of independent variables on financial and social efficiency is significant with the coefficient of determination 23.1274 % and 53.2941 %, respectively.

scholarly journals PERGERAKAN PELAJAR MINANGKABAU

2020 ◽  
Vol 10 (2) ◽  
pp. 197-206
Author(s):  
Erman
Keyword(s):  
College Students ◽  
Social Situation ◽  
The Political ◽  
Political Movements ◽  
Political Movement ◽  
National Movement ◽  
The Social ◽  
History Of ◽  
Research Findings ◽  
The Impact

The research aimed to reveal the history of the Raya Magazine and writing on political movements promoted by Islamic College students in Minangkabau. The research findings succeeded in revealing that Raya Magazine was present in the midst of strengthening colonial political pressure and the weakening of the national movement in the 1930s. The political movement was one of the themes of the national movement which was of special note and attention to the Islamic College Students Association. This theme was encountered in several articles during publication, mainly related to the weakening of non-cooperative parties in carrying out movements. The social situation that helped shape the theme of the political movement was the impact caused by the application of vergaderverbood in 1933 and arrested a number of non-cooperative parties leaders, especially Partindo, PNI Baru, and Permi.

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