Real Impact Evaluation of Micro Finance on Urban Women in India

2014 ◽  
Vol 1 (2) ◽  
Author(s):  
Pallvi Aggarwal ◽  
Mamta Shah
Keyword(s):  
Urban Poor ◽  
Economic Status ◽  
Secondary Data ◽  
Urban Women ◽  
General Idea ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Government Organizations ◽  
Significant Divergence ◽  
The Impact

In India, microfinance is one of the most important innovations in anti-poverty policy in the last half-century. Microfinance has been accepted as a tool for growth. Significant divergence exists between local and external perspectives on use of money and other resources for gender. The general idea of the paper is to assess and evaluate the contribution of microfinance institutions for the empowerment of urban poor women. It explores impacts of microfinance on economic, social and overall empowerment perspectives of women; using different frameworks. The paper is based on primary data collected from 120 women through questionnaire along with secondary data to assess the impact of MFIs in relation to Non-Government Organizations (NGOs). Results found that most urban women in this association experienced increased income and educational level, therefore improved their economic status and social conditions after receiving the loans from NGOs.

scholarly journals Strategi Penanganan Krisis Dampak Erupsi Gunung Agung oleh Pelaku Pariwisata Ubud

2020 ◽  
pp. 107
Author(s):  
Gusti Ayu Marcela Dewi ◽  
I Nyoman Sunarta ◽  
I Nyoman Sukma Arida
Keyword(s):  
Negative Impact ◽  
Case Study Research ◽  
Secondary Data ◽  
Tourism Industry ◽  
Primary Data ◽  
Government Organizations ◽  
Qualitative Descriptive ◽  
Response And Recovery ◽  
Stakeholder Needs ◽  
The Impact

The phenomenon of Mount Agung eruption has a negative impact on Ubud tourism. The impact of this event was greater than the 2002 Bali bombing. Generally, governments and tourism actors in Ubud have no yet a specific management to reduce the negative impact of Mount Agung eruptions. This research is qualitative descriptive method approach with case study research. Primary data in this study were obtained from interviews with informants namely; government, tourism institutions (NGOs) and tourism industry players in Ubud. Researchers also used online desk research to collect the secondary data that already exists on the internet from trusted sources in the form of public documents (images, e-news), or personal documents (e-mail, work reports and results of minute meetings). The result of this study, there were obtained four stages of crisis handling carried out by Ubud’s tourism actors namely 4R such as, reduction, readiness, response, and recovery. To minimize the negative impact of Mount Agung eruption, stakeholder needs synergetic all elements such government, non-government organizations (NGOs), industry actors, communities and other stakeholders to keep tourism sector remains conducive. Keywords: strategy of tourism actors, Mount Agung eruption, crisis

scholarly journals Impact of Micro-Finance on Income Change of Women in Chandragiri Municipality

2020 ◽  
Vol 35 (1) ◽  
pp. 181-192
Author(s):  
Gyanu Acharya
Keyword(s):  
Economic Status ◽  
Secondary Data ◽  
Primary Data ◽  
Monthly Income ◽  
Income Change ◽  
Percent Difference ◽  
Average Monthly Income ◽  
The Government ◽  
The Impact ◽  
Status Of Women

This study aims to analyze the impact of micro-finance in income change of members of Women Co-operative Society (WCS). The study is based on both primary and secondary data. For this, 112 WCS' women of Thankot Branch were taken as population and among them 56 loan borrower members were randomly selected as sample of the study. The primary data were collected through a setoff questionnaire. Secondary data were collected from the documents of WCS, Central Bureau of Statistics, Finance Ministry, the Government of Nepal. Different research reports, books and journals were also consulted as sources of secondary data. The collected data were analyzed by presenting them on tables and interpreted through percentage. The findings of the study show that the average monthly income of borrowers has   increased by 31.14 percent after intervention of micro finance programme. Similarly, the average monthly income of the households has increased by 9.43 percent (21.71 percent difference between borrowers and households). All these show that WCS micro-finance program has contributed to the change in economic status of women by increasing their income.

Effects of Financial Innovations on Profitability for Deposit Taking Microfinancing Institutions in Kenya

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  
Keyword(s):  
Financial Institutions ◽  
Positive Relationship ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Statements ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Financial Innovations ◽  
Strong Positive Relationship

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.

PENGARUH PELATIHAN, KOMPETENSI, MOTIVASI DAN KEPEMIMPINAN TERHADAP KINERJA PEGAWAI DENGAN PENDIDIKAN SEBAGAI PEMODERATOR PADA BALAI PENDIDIKAN DAN PELATIHAN APARATUR KEMENTERIAN KELAUTAN DAN PERIKANAN

2018 ◽  
Vol 5 (2) ◽  
pp. 37-49
Author(s):  
Wahyu Yulianto
Keyword(s):  
Job Satisfaction ◽  
Performance Appraisal ◽  
Structural Equation ◽  
Secondary Data ◽  
Primary Data ◽  
Equation Modeling ◽  
Training Centre ◽  
Competence Motivation ◽  
The Impact ◽  
Mediator Variable

The study purpose is to analyse the impact of training, competence, motivation and leadership towards performance either directly or through job satisfaction as a mediator variable. As many as 55 staff are considered as respondents in this research, and census method is used as the sampling method. Primary data in this study were collected through questionnaires and analyzed using Likert Scale. Secondary data are obtained from the organization structure Sukamandi Apparatus Training Centre (BDA), performance appraisal, staff attendance, information system and personnel management. Structural Equation Modeling Analisis of Moment Structures (SEM-AMOS) is used to process and analyze data. This study shows staff with high education, competence and leadership have a significant effect on performance, While the job satisfaction is significant in mediating the influence of training, competence and leadership on performance. Next on the employee with low education, training, competence, motivation and leadership have a significant influence on performance, while job satisfaction is significant in mediating the effect of competence and leadership on staff performance.   Keywords:  training, competence, motivation, leadership, job satisfaction, performance

scholarly journals The Impact of Dynamic Capabilities on Sustainable Competitive Advantage in the Pharmaceutical Sector in Egypt

2017 ◽  
Vol 6 (2) ◽  
pp. 1
Author(s):  
Albert Naiem Naguib ◽  
Eahab Elsaid ◽  
Abdel Moneim Elsaid
Keyword(s):  
Competitive Advantage ◽  
Dynamic Capabilities ◽  
Secondary Data ◽  
Primary Data ◽  
Sustainable Competitive Advantage ◽  
Firm Characteristics ◽  
Pharmaceutical Sector ◽  
Chi Square ◽  
Pharmaceutical Firms ◽  
The Impact

This study examines the relationship between dynamic capabilities (experience, routine, skills, firm characteristics, knowledge and technology) and competitive advantage sustainability in the Egyptian pharmaceutical sector. The data was collected using primary and secondary data sources. Primary data was collected from questionnaires distributed to 160 top managers in 20 pharmaceutical firms. The secondary data about pharmaceutical firms like rankings, revenues and market share was collected from external sources such as Intercontinental Marketing Service (IMS). The questionnaires examine six independent variables based on a five-scale Likert scale. The methodology used in the study is non-probability sampling (judgmental sampling), Cronbach’s alpha reliability coefficient and Chi-square tests. The results support the notion that there is a significant relationship between four of the six dynamic capabilities (experience, skills, firm characteristics and knowledge) and the competitive advantage sustainability for pharmaceutical firms in Egypt. Designing the questionnaire and formulating the questions to target the required field was challenging, given that the topic is dynamic and the business scene in Egypt has witnessed drastic political changes since January 2011. The study should assist pharmaceutical companies in Egypt in directing their investments properly and in determining the weaknesses in their dynamic capabilities that need to be addressed.

scholarly journals Analysis of Bio-Risk Management System Implementation in Indonesian Higher Education Laboratory

2021 ◽  
Vol 18 (10) ◽  
pp. 5076
Author(s):  
Anom Bowolaksono ◽  
Fatma Lestari ◽  
Saraswati Andani Satyawardhani ◽  
Abdul Kadir ◽  
Cynthia Febrina Maharani ◽  
...  
Keyword(s):  
Higher Education ◽  
Risk Management ◽  
Management System ◽  
Gap Analysis ◽  
Secondary Data ◽  
Education Institution ◽  
Management Systems ◽  
Primary Data ◽  
Risk Management System ◽  
The Impact

Developing countries face various challenges in implementing bio-risk management systems in the laboratory. In addition, educational settings are considered as workplaces with biohazard risks. Every activity in a laboratory facility carries many potential hazards that can impact human health and the environment and may cause laboratory incidents, including Laboratory Acquired Infections (LAIs). In an effort to minimize the impact and occurrence of these incidents, it is necessary to evaluate the implementation of a bio-risk management system in every activity that involves handling biological agents. This study was conducted in an Indonesian higher-education institution, herein coded as University Y. This is a descriptive, semi-quantitative study aimed at analysing and evaluating the implementation of the bio-risk management systems used in laboratories by analysing the achievements obtained by each laboratory. The study used primary data that were collected using a checklist which referred to ISO 35001: 2019 on Laboratory Bio-risk Management. The checklist consisted of 202 items forming seven main elements. In addition, secondary data obtained from literature and document review were also used. The results show that out of 11 laboratories examined, only 2 laboratories met 50% of the requirements, which were Laboratory A and B, achieving good performance. Regarding the clauses of standards, a gap analysis identified leadership, performance evaluation, and support as elements with the lowest achievement. Therefore, corrective action should be developed by enhancing the commitment from management as well as improving documentation, policy, education and training.

scholarly journals ANALISIS PANEL ATAS PENGARUH EKONOMI DAN SOSIAL MASYARAKAT TERHADAP KEMANDIRIAN FISKAL PEMERINTAH KABUPATEN/KOTA DI SULAWESI UTARA

2014 ◽  
Vol 9 (4) ◽  
Author(s):  
Herman Karamoy ◽  
Agus Tony Poputra
Keyword(s):  
Secondary Data ◽  
Economic Factor ◽  
Primary Data ◽  
Social Variables ◽  
Small Cities ◽  
Tax Base ◽  
Human Resource Capacity ◽  
North Sulawesi ◽  
The Impact ◽  
Positive Effect

This paper analyzes the impact of economic and social variables on fiscal independence of district government in Province of North Sulawesi.  Scope of research includes all districts in  2009-2012. To analyze secondary data, we utilize the Pooled EGLS (Cross-section random effects) method. This research not only use secondary data, but also primary data. The primary data are used to get deep picture about factors that lower fiscal dependence of districts in North Sulawesi. Those data are collected by interview to parties related to generate own resource revenues and by focus discussion group with academicians. This research finds that economic development and population in districts of North Sulawesi do not affect on fiscal independence. Otherwise, only variable human development index has significantly positive effect on fiscal independence. These findings are supported by primary data which show that: (1) most activities of dominant economic factor of those districts, except Manado and Bitung, namely agriculture, are not tax or surcharge objects; (2) types of local government tax have small tax base for districts and varies between dictricts that have big cities and small cities; (3) low of human resource capacity and creativity to generate own source revenues effectively and efficiently; and (4) low of taxpayers compliance.

scholarly journals The Giving Of Disciplinary Penalty of Civil Servants Based On Government Regulation Number 53 of 2010 in Governments of Demak Regency

2020 ◽  
Vol 2 (4) ◽  
pp. 443
Author(s):  
Muhammad Adib ◽  
Sri Kusriyah Kusriyah ◽  
Siti Rodhiyah Dwi Istinah
Keyword(s):  
Government Regulation ◽  
Positive Impact ◽  
Secondary Data ◽  
Civil Servant ◽  
Civil Servants ◽  
Disciplinary Action ◽  
Primary Data ◽  
Immediate Supervisor ◽  
The Government ◽  
The Impact

Government Regulation No. 53 of 2010 regarding the discipline of the Civil Servant loading obligations, prohibitions, and disciplinary action which could be taken to the Civil Servant who has been convicted of the offense, is intended to foster a Civil Servant who has committed an offense, the form of disciplinary punishment is mild, moderate, and weight. Disciplinary punishment for the Civil Servant under Government Regulation No. 53 of 2010 Concerning the Discipline of Civil Servants. The formulation of this journal issue contains about how the process of disciplinary punishment, and constraints and efforts to overcome the impact of the Civil Servant disciplinary punishment in Government of Demak regency. The approach used in this study is a sociological juridical approach or juridical empirical, that is an approach that examines secondary data first and then proceed to conduct research in the field of primary data normative. The process of giving disciplinary sanctions for State Civil Apparatus in Government of Demak regency begins with the examination conducted by the immediate supervisor referred to in the legislation governing the authority of appointment, transfer and dismissal of civil servants. The results showed that in general the process of sanctioning / disciplinary punishment of civil servants in the Government of Demak be said to be good and there have been compliance with the existing regulations / applied in Government Regulation No. 53 of 2010, although it encountered the competent authorities judge still apply tolerance against the employee, but also a positive impact among their deterrent good not to repeat the same offense or one level higher than before either the Civil Servant concerned or the other. Obstacles in carrying out disciplinary punishment in Government of Demak regency environment is still low awareness of employees to do and be disciplined in performing the tasks for instance delays incoming work, lack of regulatory discipline, lack of supervision system and any violations of employee discipline. There must be constraints to overcome need for cooperation with other stakeholders comprising Inspectorate, BKPP, and the immediate superior civil servants in this way can be mutually reinforcing mutual communication, consultation, coordination so that if later there is a problem in the future could be accounted for.Keywords: Delivery of Disciplinary Sanctions; Civil Servant; Government Regulation No. 53 of 2010.

scholarly journals Community Adaptation Model of Food Security Due to Global Warming in Kulon Progo

2017 ◽  
Author(s):  
Sri Rum Giyarsih
Keyword(s):  
Climate Change ◽  
Global Warming ◽  
Food Security ◽  
Survey Methods ◽  
Secondary Data ◽  
Primary Data ◽  
Structured Interviews ◽  
Intergovernmental Panel ◽  
Average Temperature ◽  
The Impact

Global warming is the increase in the average temperature of the Earth’s surface. According to the IPCC (Intergovernmental Panel on Climate Change) average temperature of the Earth’s surface was global warming is the increase in the average temperature of the 0.74 ± 0.18 0C (1.33 ± 0.32 F) over the last hundred years. The impact of rising temperatures is the climate change effect on agricultural production. If the community does not craft made adaptation to global warming will have an impact on food security. This research aims to know the society’s adaptation to food security as a result of global warming and to know the influence of global warming on food security. The research was carried out based on survey methods. The influence of global warming on food security is identified with a share of household food expenditure and the identification of rainfall. Sampling was done by random sampling. The Data used are the primary and secondary data. Primary Data obtained through structured interviews and depth interview using a questionnaire while the secondary data retrieved from publication data of the Central Bureau Statistics B(BPS), Department of Agriculture and Climatology Meteorology and Geophysics (BMKG). The expected results of the study is to know variations of food security due to global warming in Kulon Progo Regency. Comprehensive knowledge through community participation and related Government increased food security that is used as the basis for drafting the model society’s adaptation to the impacts of global warming.

scholarly journals Policy Implementation on Establishment and Management of Village-Owned Enterprises in Indonesia

Society ◽  
2021 ◽  
Vol 9 (1) ◽  
pp. 187-204
Author(s):  
Andy Alfatih ◽  
Diana Dewi Sartika ◽  
Dyah Hapsari Eko Nueraheni
Keyword(s):  
Policy Implementation ◽  
Field Observation ◽  
Research Method ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Sample Survey ◽  
Primary Data ◽  
The Impact

One of the efforts to obtain and increase village revenue was by running a business through a village-owned enterprise (VOEs). A policy was needed for utilizing village resources in establishing a village-owned enterprise. The Musi Rawas Regency Government had made a policy, namely Musi Rawas Regency Regional Regulation Number 10 of 2013, concerning Guidelines for the Establishment and Management of Village-Owned Enterprises (VOEs). Villages of Musi Rawas Regency had implemented this regulation. This research aimed to evaluate the implementation of this regional regulation. This research method is descriptive quantitative comprises a sample survey and descriptive analysis indicators resulting from the sample survey. The population of this research was 174 Village-Owned Enterprises (VOEs/BUMDes) in Musi Rawas Regency. At the same time, the sample was 64 VOEs which was taken by referring to the Slovin formula. There were primary data and secondary ones. Primary data came mainly from the questionnaire and field observation. Meanwhile, secondary data were sourced from documents, such as archives and reports. Data were analyzed by descriptive technique. The descriptive technique was done by displaying data, assessing them, delivering argument, quoting theory for justification and confirmation, and concluding. Implementing the Regional Regulation concerning Guidelines for the Establishment and Management of Village-Owned Enterprises (VOEs) was successful. This could be seen from several indicators, refers to Ripley & Franklin (1986), namely: 1) There existed compliance of policy implementers towards the content of the regional regulation. The degree of compliance was high and was in a good category. 2) The establishment and management of VOEs (the smoothness of routine functions) were also high and classified as good, and 3) The performance of the management of VOEs was also good. The impact of policy implementation (regional regulation of Musi Rawas Regency) was positive (good).

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