scholarly journals Innovation and Management by Regional Rural Banks in Achieving the Dream of Financial Inclusion in India: Challenges and Prospects.

2020 ◽  
pp. 222-234
Author(s):  
Anis ur Rehman
Keyword(s):  
Rural Areas ◽  
Uttar Pradesh ◽  
The State ◽  
Financial Inclusion ◽  
Credit Expansion ◽  
Achieving The Dream ◽  
Chi Square ◽  
Political Interference ◽  
Chi Square Test ◽  
The Government

The Regional Rural Banks are government-owned, regionally based and rurally oriented financial institutions specialized in catering to the credit needs of the neglected and weaker sections of the society. In the recent past, RRBs have become a potent mediator for financial inclusion in rural areas. This paper summarizes the innovative methods used by the employees of these banks in deposit mobilizations, credit expansion and recovery of the loan. The primary purpose of the research is to find the problems faced by officials of these banks in marketing their services to the rural customer. The opinions of these bank officials regarding the above factors and the functioning of these banks and their impact on society have also been studied. For this purpose, a sample of 96 bank officials of Aryavart bank and Purvanchal Bank have been taken from the rural areas of Uttar Pradesh. Methodological tools of the research methods were Frequency and Chi-square test of independence which have been used to test the hypotheses developed in the study. The research empirically confirms and theoretically proves that the employees and staff of these two regional rural banks in the state are making their earnest effort to channelize the savings of rural people by mobilization of deposits by motivating them to deposit their surplus money in the regional rural banks. The bank officials are making efforts to extend credit facilities in rural areas to uplift the people economically. The bank officials are facing problems in deposit mobilization, and credit expansion in the rural areas of the state and they are managing these problems very efficiently. Some political interference was found in the functioning of these banks. In the opinion of these bank officials, the overall working of these regional rural banks is proper. The results of the research can be useful for policymakers in the government to understand the hurdles faced by regional rural banks in reaching to the poor and needy sections of the society. The insights from this paper can help the policymakers to craft innovative schemes which enable these banks to reach the most inaccessible customers in rural areas. Keywords Regional Rural Banks, deposit mobilizations, credit expansion, financial inclusion, loan recovery.

scholarly journals Analysis of understanding level of government welfare schemes (Among beedi workers of unorganized sector)

2021 ◽  
Vol 6 (I) ◽  
pp. 14-21
Author(s):  
Fatima Qasim ◽  
Dr. Sneh P. Daniel
Keyword(s):  
Uttar Pradesh ◽  
Government Assistance ◽  
Chi Square ◽  
Assistance Program ◽  
Assistance Programs ◽  
The Public ◽  
Low Degree ◽  
Chi Square Test ◽  
The Government ◽  
Government Rules

Beedi fabricating is perhaps the biggest business in India utilizing a huge number of laborers, lion’s share of them beingladies and kids. It falls under the class of sloppy area and thusly draws in numerous shades of malice like helpless workingconditions, absence of execution of government rules and guidelines, work of kid work, low wages, sporadic business, etc.The government has arranged and carried out numerous government assistance plans for these laborers that incorporate health advantages, protection, lodging, schooling, diversion, maternity, and so on for their upliftment. Nonetheless, the degree of attention to these plans is very low and execution is negligible because of the low degree of training among these specialists. The current investigation dives into the segment profile of these specialists alongside their degree of mindfulness in regard to government assistance plans. The information was gathered from Prayagraj in Uttar Pradesh from 347 respondents. The information was investigated utilizing proportions of focal inclination, chi-square test and Kruskal-Wallis test. The definite investigation of information uncovered that these specialists are having low pay and instruction-level, generally utilizing ladies from the moderately aged gatherings. These laborers are tolerably mindful about the plans and lower age-bunch laborers are more mindful about government assistance programs than their senior partners. The investigation proposes approaches to ad-lib the everyday environments of these laborers and plans to make mindfulness about the government assistance program of the public authority.

scholarly journals STATUS OF FINANCIAL INCLUSION IN HILLY RURAL AREAS OF UTTARAKHAND: A COMPARATIVE STUDY OF PAURI, CHAMOLI AND RUDRAPRAYAG DISTRICT

2020 ◽  
Vol 15 (1) ◽  
Author(s):  
Prashant Kandari
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Uttar Pradesh ◽  
The State ◽  
Financial Inclusion ◽  
Primary Data ◽  
Area Deprivation ◽  
Rural Regions ◽  
Financial Exclusion ◽  
The Status

Hill Rural regions of Uttarakhand are inherent part of the state and were the prominent reason on the basis of which Uttarakhand state was carved out of Uttar Pradesh. Unfortunately the underdevelopment of these regions due to the aspect of ‘Area Deprivation’ associated with them has led to emergence of prominent problems like unemployment, lack of income generating opportunities and poverty leading further to a major problem of rural outmigration from them. To raise the economic condition of households of these regions it is important to enhance the income generating opportunities and to provide financial services which could cover up the majority of population with the social security net. The major way out to achieve them is through increase in financial inclusion. The present study through help of primary data examines the level of financial inclusion in the hill rural regions of Uttarakhand for which FII is computed on the basis of 4 dimensions of financial inclusion. The FII of the rural regions of development blocks of hill districts is compared with the FII of the all Indian rural households to examine the status of financial exclusion in hill rural regions of the state.

Transparency and effective e-Governance: a case of telecentres in the Indian State of Karnataka

2017 ◽  
Vol 11 (4) ◽  
pp. 506-522 ◽  
Author(s):  
Lakshmi Shankar Iyer ◽  
Subba Rao R.N.
Keyword(s):  
Service Delivery ◽  
Rural Areas ◽  
Action Plan ◽  
Chi Square ◽  
Content Type ◽  
Rural And Urban ◽  
Chi Square Test ◽  
The Government ◽  
Urban And Rural Areas ◽  
Questionnaire Method

Purpose It is the responsibility of any government to ensure efficient, transparent and reliable services to the common man through telecentres. The purpose of this study is to take into account the influence of people and process on transparency that leads to effective e-governance. Design/methodology/approach This study involved collecting data through questionnaire method from 400 citizens who visited the telecentres. Data were analysed by conducting chi-square test and independent sample t-test, and it was found that there exists significant influence of location on transparency. Findings The current study reiterates the fact from literature that transparency in transactions enables effective e-governance. Beneficiaries perceive that people and processes have influence on transparency. Research limitations/implications The research adds up to the literature in establishing that there exist differentials among the rural and urban population with respect to transparency. Results could be skewed, as there could be an impact of population density across urban and rural areas. Practical implications This study brings out a framework and an action plan for the government to implement and ensure transparency in processes leading to effective e-governance. Social implications The action plan ensures transparency in service delivery leading to effective e-governance. Increased transparency empowers citizens with increased trustworthiness towards services delivered through telecentres. Originality/value This paper fulfils the need for an action plan to assure citizens to use deliveries through telecentres with better transparency. The aspect of transparency is not being studied in the present context of service delivery by the government authorities in India. Moreover, the influence of transparency on e-governance is also under-explored.

Analisis Faktor Determinan Pelaksanaan Inisiasi Menyusu Dini Oleh Bidan Di Rumah Sakit Umum Anutapura Palu

2018 ◽  
Vol 1 (1) ◽  
pp. 34
Author(s):  
Ni Nyoman Novita ◽  
Gusman Arsyad
Keyword(s):  
Emergency Room ◽  
Peer Support ◽  
Statistical Tests ◽  
Bivariate Analysis ◽  
P Value ◽  
Chi Square ◽  
Cross Sectional ◽  
Implementation Processes ◽  
Chi Square Test ◽  
The Government

Implementation of IMD in hospitals has decreased from the previous year and has not reached the target set by the government. Some IMD implementation processes have not been carried out according to applicable standards. So that babies do not get an IMD in accordance with existing SOPs. The purpose of this study was to determine the determinant factors associated with the implementation of the IMD by midwives in the Midwifery and Maternity Room Emergency Room (IGD) at the Anutapura General Hospital in Palu. This research method is analytical with cross sectional approach. The population of this study was that all midwives in the obstetrics emergency room and maternity room at Anutapura Palu Hospital were 37 respondents. The sample in this study is total sampling. The analysis used was univariate, and bivariate analysis using the chi square test with a confidence level of 95% (α = 0.05). The results of statistical tests on variable knowledge of midwives with the implementation of IMD p value: 0.018 (p value <0.05). APN training with the implementation of IMD p value: 0.697 (p value> 0.05). length of work with the implementation of IMD p value: 0.029 (p value <0.05). and peer support with the implementation of IMD p value: 0.007 (p value <0.05). Conclusions there is a relationship between knowledge, length of work, peer support with the implementation of the IMD, and training factors that have nothing to do with IMD implementation. The strongest factor in the relationship is peer support. It is recommended that the Anutarapura Palu Hospital be able to motivate midwives so that they can further enhance their role in the implementation and provide support to their colleagues so that the implementation of the IMD can be carried out in accordance with applicable standards.Keywords: Knowledge, APN Training, Duration of work, Implementation of IMD

A Cross Sectional Analysis of Tourism Development and Social Development

2021 ◽  
Vol 12 (2) ◽  
pp. 487
Author(s):  
Tauseef AMAN ◽  
Mussawar SHAH ◽  
Humera JAMAL ◽  
Younas KHAN ◽  
Muhammad ARIF ◽  
...  
Keyword(s):  
Social Development ◽  
Local Community ◽  
Tourism Development ◽  
Chi Square ◽  
Cross Sectional ◽  
Close Proximity ◽  
Chi Square Test ◽  
The Government ◽  
Sectional Analysis ◽  
The Relationship

The major objective of this study was to measure the association between various interventions and Chitral Gole National Park (CGNP) role in preservation of bio-diversity and socio-economic uplift. A sample size of 346 respondents was randomly selected from total population of 3326 from the 4 selected villages on the basis of close proximity. A conceptual framework including dependent variable social development and independent variable tourism development were taken. The data were analyzed through frequency and percentage distribution. Moreover, Chi-square test was applied to know the relationship between dependent and independent variables at bi-variate level. In bi-variate analysis a highly significant (P=0.000) relation was found between CGNP is main source of promoting tourism in Chitral,tourists do any impacts upon local community in terms of increased business activities, local culture is safeguarded despite influx of tourists in the area, tourism produced employment opportunities, and social development. Qualitative data supported the empirical findings, however tourism brings economic opportunities at micro and macro level, but unfortunately CGNP is not as satisfactory regarding generating income since its establishment. The government should ensure to make such polices pertaining to the entrance fee, provides accommodation services on payment to the tourists and to reserve the entrance fee or any other form of taxes to ensure CGNP to spend on self-sustaining basis by ensuring refinement in the procedures as well.

Risk Factors for Typhoid Fever Occurrence and Recurrence in Gombe Metropolis, Gombe State, Nigeria

2021 ◽  
Vol 23 (11) ◽  
pp. 381-401
Author(s):  
Umar Abdullahi Tawfiq ◽  
◽  
Shohaimi Shamarina ◽  
Syafinaz Amin Nordin ◽  
Mohd Noor Hisham Mohd Nadzir ◽  
...  
Keyword(s):  
Risk Factors ◽  
Epidemiological Data ◽  
Simple Random Sampling ◽  
Chi Square ◽  
Long Time ◽  
Chi Square Test ◽  
The Government ◽  
Set Up ◽  
Associated Risk Factors ◽  
At Home

Typhoid is a life-threatening disease that has remained endemic in parts of Africa and Asia where its burden is elevated by the inefficiency of control efforts which have been hampered by lack of epidemiological data, among others. In Nigeria, such data is absent in most of the States like Gombe where the disease has been rife for a long time, hence, to bridge that knowledge gap, this study was set up to determine the host-associated risk factors for typhoid occurrence and recurrence in Gombe. A questionnaire that was designed and validated for this location was used to obtain data from 663 respondents using simple random sampling and analyzed using the Chi-square test for association and binomial logistic regression to obtain risk factors for typhoid occurrence and recurrence, respectively. The study revealed that occurrences were statistically significantly associated with the variables for vaccination (χ2 = 39.729, p < 0.01), having houseboy/girl (χ2 = 16.909, p < 0.01), typhoid patient at home (χ2 = 13.393, p < 0.01), hand washing before handling food (χ2 = 22.856, p < 0.01), consuming iced/frozen items (χ2 = 16.805, p < 0.01), boiling drinking water (χ2 = 49.633, p < 0.01), and eating commercially available foods/drinks (χ2 = 27.864, p < 0.01), while recurrences were statistically significantly predicted by „not sure of been vaccinated‟ (OR = 2.962, CI = 1.290 to 6.802, p < 0.01), „not having another typhoid patient at home‟ (OR = 1.799, CI = 0.998 to 3.244, p < 0.01), and „drinking unboiled water sometimes‟ (OR = 2.130, CI = 1.023 to 4.434, p < 0.01). It is believed that these findings will guide efforts by the Government for health interventions against typhoid in the study area, thus improving the quality of life for the population.

scholarly journals Maternal mortality in the indigenous and non-indigenous population in Pará: contribution to the surveillance of deaths

2017 ◽  
Vol 21 (4) ◽  
Author(s):  
Deivid Ramos dos Santos ◽  
Laura Maria Vidal Nogueira ◽  
Bárbara Lopes Paiva ◽  
Ivaneide Leal Ataide Rodrigues ◽  
Lívia Félix de Oliveira ◽  
...  
Keyword(s):  
Maternal Mortality ◽  
Indigenous Population ◽  
Statistical Tests ◽  
Public Health Problem ◽  
The State ◽  
Indigenous Women ◽  
Chi Square ◽  
Live Births ◽  
Historical Series ◽  
Chi Square Test

Abstract Objective: To analyze the occurrence of Maternal Mortality in general and in the indigenous population in the state of Pará. Method: A quantitative, analytical and retrospective study was performed, covering a historical series from 2005 to 2014. For the analysis of the results, non-parametric statistical tests, the Chi-square test and the G test were processed in the BioStat 5.0 software program. Results: A total of 884 maternal deaths were reported in the state of Pará, corresponding to a Mortality Rate of 60.7 per 100,000 live births for non-indigenous women and 135.8 per 100,000 live births for indigenous women. Oedema, proteinuria and hypertensive disorders in pregnancy, childbirth and puerperium corresponded to 30.5% (n = 270). Conclusion and Implications for the Practice: Maternal mortality remains a serious public health problem in the state of Pará, clearly demonstrating that indigenous pregnant women require greater care, since they showed higher Maternal Mortality Rates when compared to non-indigenous women.

scholarly journals A Study on the Impact of Schemes and Programmes of Government of India on Agriculture to Increase Productivity, Profitability, Financial Inclusion, and Welfare of Farmers to Transform them into Modern Society

2021 ◽  
pp. 231-243
Author(s):  
Mahesh K. M. ◽  
P. S. Aithal ◽  
Sharma K. R. S.
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Modern Society ◽  
Modern Technology ◽  
Mobile App ◽  
Financial Inclusion ◽  
Agricultural Products ◽  
Theoretical Concepts ◽  
The Government ◽  
The Impact

Purpose: The foremost intent of this research article is to create awareness about various schemes for the productive sector of agriculture. Through this study, the level of performance of these agricultural schemes and programmes were analysed that will be helpful for the attainment of financial inclusion. Hence it is necessary to know about various schemes and their making to connect the beneficiaries. Agriculture is the basic source of food supply, production, processing, promotion and distribution. Agricultural products contribute to Gross Domestic Product (G.D.P.) and generate employment in rural areas. They transform the lives of the farmers in modern society. The government of India has introduced Minimum Support Price (MPS), MIF, PMKSY, PMFBY, e-NAM, PM-KISAN, PMJDY, PM-KUSUM, PKVY, NAMS, and MGNREGS. The mobile app KisanSuvidha and innovative programmes like Kisan Rail, KrishiUdaan double the farmers’ Income (DFI). These help in transforming village economy, coverage of irrigation, crop insurance, and stabilizing the income. They also ensure financial support, flow of credit and Direct Benefit transfer of subsidies and funds to beneficiaries. Adopting modern technology, farm-based activity, poultry, dairy, forestry, beekeeping and with the support of SHGs which will directly impact productivity, profitability, financial inclusion, and the welfare of farmers in the 21st century and development of the country’s economy. Design/ methodology/approaches: This study is all about the theoretical concepts based on analysis of various schemes and interconnect. Findings and results: This study reveals that the effectiveness of various agricultural programs and also identifies the benefits and beneficiaries of these schemes. Under this research, various financial services, subsidies, funds released, online platform for agricultural products, funds for micro-irrigation, and so on benefits provided by the government of India were studied. Originality/value: Analysed the various schemes and compelled its beneficiaries and develop a modern to achieve financial inclusion and economic growth through the study. Type of Paper: Research Analysis.

scholarly journals COMMERCIAL BANKS AND THEIR EFFECT ON SMALL AND MEDIUM ENTERPRISES FINANCING IN RWANDA: A CASE STUDY OF KIGALI CITY AND SOUTHERN PROVINCE

AGROFOR ◽  
2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Mutamuliza EULARIE ◽  
Giramata AURORE
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Small And Medium Enterprises ◽  
Financial Industry ◽  
Chi Square ◽  
Southern Province ◽  
Start Up ◽  
Chi Square Test ◽  
The Government ◽  
Medium Enterprises

Commercial Banks worldwide are identified to be one of the key players in the financial industry that have positively affected individuals involved in business, and the economy at large, through the functions they perform in the economy. However, inadequate financing in the activities of Small and Medium Enterprises (SMEs) is still the major constraint faced by people involved in business activities. Even though the Government of Rwanda has made effort to improve the accessibility to credit, entrepreneurs still have some challenges to access financial services in order to improve their businesses. The purpose of this research was to assess the contribution of commercial banks in financing SMEs in Rwanda. A sample of 60 SMEs was selected in Kigali and Southern Province of Rwanda. Data was collected from the respondents through a structured questionnaire. The collected data were analyzed using descriptive statistics such as frequencies and percentage distributions. A Pearson Chi-Square Test was used to analyze the relationship between commercial banks and SMEs in Rwanda. The results indicated that the main purposes of loan application were start-up capital, working capital and expansion of businesses. The results also revealed that there was positive relationship between commercial banks and SMEs in Rwanda. The results revealed as well, that commercial banks in Rwanda played a crucial role in contribution to SME’s economic development and small and medium entrepreneurs who got credit from commercial banks expanded their businesses and increased their income.

scholarly journals The performance of implementation movement restrictions during COVID-19 pandemic in West Sumatra and its impact

2021 ◽  
Vol 331 ◽  
pp. 01002
Author(s):  
Purnawan ◽  
Efendi Heru
Keyword(s):  
Data Analysis ◽  
Government Policy ◽  
Government Policies ◽  
Chi Square ◽  
West Sumatra ◽  
Chi Square Test ◽  
The Government

The COVID-19 outbreak is currently spreading to all regions of Indonesia. This virus was suspected to spread from Wuhan at the end of December 2019. Restrictions on people’s movements are one of the government policies that aim to reduce the spread of COVID-19. To find out the performance of government policy, a study on the implementation of restrictions policy to prevent the spread of COVID-19 in West Sumatra has been conducted. This study used the before-after method as data analysis, then the data was examined using the Chi-Square test. Based on the results of data analysis, it was found that the movement of people after the implementation of restrictions movement policy was decreased significantly. The decrease in the need to leave the house was average 57.7%, frequency leaving the house more than 5 times decreased by 80%. Time of leaving the houses in the day, in the afternoon and at night decreased more than 50%, the use of vehicle modes decreased by 14.9% and the number of people traveling outside the house decreased by 23.2%. The performance of restrictions on people’s movement policy in West Sumatra was still not optimal, because many people did not know the detail of policies.

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