scholarly journals FINANCIAL INCLUSION: A PANACEA FOR ATTAINING SUSTAINABLE DEVELOPMENT IN DEVELOPING COUNTRIES LIKE NIGERIA

2020 ◽  
Vol 14 (2) ◽  
pp. 1-11
Author(s):  
Reuben Ogbe Osagie

The study “Financial Inclusion: A Panacea for Attaining Sustainable Development in Developing Countries like Nigeria” was embarked on by the researcher with the view of ascertaining whether financial inclusion of majority of citizens on part of the government can lead to sustainable development in line with the UN (2015) Sustainable Development Goal. The sub-variables under consideration were access to loans and credit facilities; and financial literacy for the independent variable financial inclusion and poverty reduction; gender equality for the dependent variable sustainable development. Cross-sectional descriptive research design was adopted by the researcher. The researcher used primary data to elicit information for this study. The population for the study was taken from six (6) communities selected from 6 Local Government Areas from the Lagos and Ogun States, with each state contributing 3 communities, respectively. A total of 750 questionnaires was distributed, with 125 questionnaires handed out to each respective community; 532 questionnaires were returned in a form usable for the study, amounting to 70.9% deemed valid to arrive at a valid conclusion. Content validity was adopted for this study. Reliability test was conducted using Cronbach Alpha, which returned 0.837, showing internal consistency of the research instrument. Descriptive statistics such as mean, simple percentage were used to analyze the demography of respondents while regression and Pearson correlation coefficients were used to analyze the data. The findings revealed that access to loans and credit facilities lead to poverty reduction in developing countries like Nigeria, and financial literacy is a prerequisite for ensuring gender equality in developing countries like Nigeria, with a p value of 0.000<0.05, a correlation coefficient of 0.651, an unstandardized coefficient of 1.204 (120.4%). The results and findings were sufficient to assert that financial inclusion is indeed a panacea for attaining sustainable development in developing countries like Nigeria.

2020 ◽  
Vol 40 (11/12) ◽  
pp. 1257-1277
Author(s):  
George Okello Candiya Bongomin ◽  
Joseph Mpeera Ntayi ◽  
Charles Akol Malinga

PurposeThe main purpose of this study is to establish the mediating effect of social network in the relationship between financial literacy and financial inclusion of the poor by microfinance banks in developing countries.Design/methodology/approachThe study adopted a cross-sectional research design and data were collected from the poor who resides in rural Uganda. Structural equation modelling (SEM) through analysis of moment structures (AMOS) was used to analyze the data. Bootstrap approach with 5,000 samples was run to establish the mediating effect of social network in the relationship between financial literacy and financial inclusion of the poor by microfinance banks in developing countries.FindingsThe results showed that social network significantly and positively mediate the relationship between financial literacy and financial inclusion of the poor by microfinance banks in developing countries. In addition, financial literacy also has a direct significant and positive effect on financial inclusion. Overall, the findings suggest that the presence of social network fully mediate the effect of financial literacy on financial inclusion of the poor by microfinance banks in developing countries.Research limitations/implicationsThis study adopted a cross-sectional research design and data were collected using a semi-structured questionnaire. Future studies could adopt longitudinal research design to establish the dynamic characteristics of the samples under study over time. Besides, this study collected data from only poor households who were clients of microfinance banks located in rural Uganda. It ignored the other section of the population who were not the poor. Therefore, future studies could use the other section of the population who are clients of commercial banks.Practical implicationsThe advocates of financial literacy and managers of microfinance banks in developing countries should ensure using existing local structures such as community and village associations to conduct financial literacy training. The village associations help in mobilizing members who are close-knit based on the existing societal ties that can be used as a channel for disseminating vital financial literacy information. Indeed, financial literacy workshops, seminars, and business clinics can be easily conducted to individuals who are members of the village associations.Originality/valueThis paper integrates social network theory in the relationship between financial literacy and financial inclusion of the poor by microfinance banks in developing countries. Social network acts as a conduit through which financial knowledge and skills flow to increase the scope of financial inclusion of the poor in developing countries.


Author(s):  
Vina Rahmatika ◽  
Musa Ghufron ◽  
Nenny Triastuti ◽  
Syaiful Rochman

Background: The birth rate by caesarean section method is getting higher. Risk data for 2013 shows the method of birth with the operation method of 9.8 percent of the total 49,603 births during 2010 to 2013. Being in practice the mother must be given anesthetic before the surgery begins. This anesthesia will later affect the pain that will occur after SC. Purpose: The purpose of this study was to determine the correlation between regional anesthetic drugs and the smoothness of breast milk in women born in sectio caesarea at Muhammadiyah Gresik Hospital. Method: Method with Cross Sectional approach. The population in this study mothers who gave birth in a caesarean section at Muhammadiyah Hospital Gresik in December 2019 to January 2020. The sampling technique in this study is probability / random simple sampling. The sample in this study was a portion of mothers who gave birth in a caesarean section at Muhammadiyah Gresik Hospital. The instrument used was primary data collection in the form of questionnaires and secondary data in the form of patient medical records. Result: The data obtained in this study were processed using spearman correlation statistics. From the statistical test the Correlation coefficient value was 0.807, and obtained P-Value equal to 0,000 this value is less than 0.05. Conclusion: The conclusion of this study is that there is a correlation between the administration of a regional anesthetics and the smoothness of breast milk in mothers of post partum caesarea at Muhammadiyah Gresik Hospital.


2019 ◽  
Vol 7 (6) ◽  
pp. 137
Author(s):  
Sang Ayu Arta Suryantari

Soil Transmitted Helminths (STH) infections is one of health issues in Indonesia that has environment and social basis. It is classified as neglected disease. The Indonesian government already has eradication program, but it is not supported by evaluation and monitoring program. The purpose of this study is to determine the prevalence and relation of each risk factors related to STH infections in elementary school in Ngis village, Karangasem regency, Bali. The study was done by analytical description using cross sectional study. Samples were selected from population based on inclusion and exclusion criteria. Primary data about suspected risk factors were collected using questionnaire. Diagnosis was established using Kato-Katz modification method. Data was analyzed using chi-square with confidence interval 95% or p value ≤0.05 categorized as significant. 138 students enrolled in this study, the median age is 9 (6-13) years. The prevalence of STH infections is 10.1% with 78.6% is single infection of Trichuris trichiura and 21.4% mixed infections. The proportion of STH infections in males is higher than female but it is statistically insignificant. STH infections have significant relationship with some risk factors such as not washing hand after defecation, not washing hand after playing with soil, barefoot, not cutting nails and consuming anti-helminthic routinely. The highest risk factor of STH infections in Ngis village is not having available and proper latrine. (OR=33.9; 95%CI=5.749-199.769). The prevalence of STH infection is quite high with mild to moderate intensity and risk factors namely low hygiene and limited latrines. The implementation of monitoring and evaluation can be an effort to control risk factors and stop the STH transmission chain.


2019 ◽  
Vol 1 (1) ◽  
pp. 114-119
Author(s):  
Apriliana Apriliana ◽  
Intan Mutiara Putri ◽  
Suyani Suyani ◽  
Istri Utami

The utilization of MCH book could be defined to be an activity when a mother and her close relatives actively participate in reading, learning, comprehending the contents of MCH book, and implementing it in daily routine. This research aims to discover the correlation between the reading interest of pregnant mothers and the use of MCH book. This study has been approved by the research ethics committee of Yogyakarta ‘Aisyiyah University. This cross-sectional research was performed at the Community Health Centre of Mlati II Sleman Yogyakarta. Seventy-four pregnant mothers who owned MCH book were derived from incidental sampling technic. The retrieval of primary data used questioner method. The result of chi-square test states that pregnant mothers with higher reading interest will be utilizing the MCH book four times more effective compared to those with lower interest in reading (p-value: 0,005 and 95% CI: 1,488-10,902).


2021 ◽  
Vol 17 (35) ◽  
pp. 203
Author(s):  
Benson Muchoki Mwangi ◽  
Francis N. Kibera ◽  
Mary Kinoti ◽  
Magutu P. Obara

This paper focuses on determining the influence of sales territory design on salesforce performance in the detergent manufacturing companies in Kenya. Detergents play a critical role in our everyday lives by ensuring hygiene at our personal level, in our homes, in schools, institutions, and hospitals. Detergents have gained a lot of prominence since the onset of the Corona Virus (COVID-19) disease in 2019, as it has been proved that they play an important role in curtailing the transmission of the COVID-19 disease. The Salesforce plays an important role in organizations as they are the ones who in most cases interact with customers, provide information about their organization and products, provide prices, demonstrate how products are used, train customers, provide after sales service, and resolve any issues that may arise. The study was anchored on Expectancy Theory, Resource Based Theory, Equity Theory, and Agency Theory. The study adopted positivism philosophy and used a descriptive cross sectional design. The unit of analysis was the sales people in the detergent manufacturing companies in Kenya who are members of Kenya Association of Manufacturers as per list obtained from KAM in December 2018. The study used primary data which was collected by administering semi-structured questionnaires. The data was analyzed using a combination of both descriptive and inferential statics to describe the manifestations of the variables in the data collected, simple regression model was used to test the significance of the influence of sales territory design (independent variable) on the salesforce performance (dependent variable). Fischer distribution test (F-test) was used to test the significance of the independent variable and the overall model. The p-value for the F-statistic was used to determine the robustness of the model. This was done at 95% confidence level (p<0.05). The study found a strong relationship between sales territory design and salesforce performance. This depicts that sales territory design is critical in determining salesforce performance in detergent manufacturing companies in Kenya.


Author(s):  
Lensi Natalia Tambunan ◽  
Lelly Oktarina ◽  
Nita Kusuma Lindarsih

Latar Belakang: Mobilisasi dini pada ibu nifas bertujuan untuk membantu menguatkan otot-otot perut, sehingga memperbaiki sirkulasi darah ke seluruh tubuh. Hal ini harus dipenuhi ibu selama masa nifas untuk mengembalikan organ-organ reproduksi, terutama untuk ibu yang post sectio caesaria. Mobilisasi pada ibu post sectio caesaria adalah suatu pergerakan, posisi atau adanya kegiatan yang dilakukan ibu setelah beberapa jam melahirkan dengan persalinan Caesar Namun, kenyataannya masih banyak ibu post sectio caesaria yang tidak mau melakukan mobilisasi dini karena merasa takut, malas untuk bergerak, merasa sakit dan lelah. Faktor fisiologis seperti kenaikan suhu tubuh (hipertermi), perdarahan yang berlebihan, nyeri, faktoe emosional seperti terjadinya kecemasan dan factor perkembangan seperti usia dan paritas.Tujuan: Penelitian untuk mengetahui hubungan paritas dengan pengetahuan ibu post Sectio caesaria tentang mobilisasi dini di RSUD Doris Sylvanus Palangka Raya Provinsi Kalimantan Tengah.Metode: Desain penelitian  ini  bersifat kuantitatif analitik observasional dengan menggunakan jenis desain cross sectional dengan tehnik pengambilan sampel yang digunakan adalah Accidental Sampling. Populasi pada penelitian ini adalah seluruh ibu post sectio caesaria  di RSUD dr. Doris Sylvanus Palangka Raya. Pengumpulan data dilakukan dengan menggunakan data primer.Data dianalisis secara chi square. Hasil: Hasil uji statistik diperoleh P value 0,964, berarti tidak ada perbedaan secara bermakna sehingga dapat disimpulkan tidak ada hubungan antara paritas dengan pengetahuan ibu post sectio caesaria tentang mobilisasi dini.Simpulan: Ibu post sectio caesaria dengan paritas 2 agar tetap diberikan informasi mengenai mobilisasi dini post sectio caesaria agar ibu memiliki pengetahuan yang baik, jika ibu memiliki pengetahuan yang baik mengenai mobilisasi maka ibu akan melaksanakan mobilisasi diniKata Kunci: Paritas, Ibu post sectio caesaria, Mobilisasi Dini. Background: Early mobilization of the postpartum mother aims to help strengthen the abdominal muscles, thereby improving blood circulation throughout. This must be fulfilled by the mother during puerperium to restore the reproductive organs, especially for mothers who are post sectional caesaria.  Mobilization of post sectio caesaria mothers is a movement, position or activity carried out by the mother after several hours of childbirth with caesarean delivery. However, in reality there are still many post sectio caesaria mothers who do not want to make early mobilization because they are afraid, lazy to move, feel sick and tiredPhysiological factors such as increased body temperature (hypertension), excessive bleeding, pain, emotional factors such as anxiety and developmental factors such as age and parity. Objective: The study was to find out the relationship between parity and post Sectio caesaria mother's knowledge about early mobilization in Doris Sylvanus Hospital in Palangka Raya, Central Kalimantan Province.Method: The design of this study was quantitative analytic observational using a cross sectional design with the sampling technique used was accidental sampling. The population in this study were all post sectio caesaria mothers in RSUD dr. Doris Sylvanus Palangka Raya.  Data collection was done using primary data. Data was analyzed by chi square.Result: The result of statistical tests obtained p value 0.964 means that there is no significant difference so that it can be concluded there is no relationship between parity and post-caesaria maternal knowledge about early mobilization.Conclusion: Post-caeserean mothers with parity 2 keep informed about early post-caesarean mobilization so that mothers have good knowledge about mobilization, mothers will carry out early mobilization.Keywords: Parity, Maternal Caesarean section, Early Mobilization. 


e-GIGI ◽  
2014 ◽  
Vol 2 (2) ◽  
Author(s):  
Triska Yolanda Worang ◽  
Damajanti H. C. Pangemanan ◽  
Dinar A. Wicaksono

Abstract: Domain knowledge is very important for the formation of one's actions. Knowledge of parents is very important in the formation of the underlying behaviors that support or do not support the oral hygiene of children. Good oral hygiene will make healthy teeth and surrounding tissues. This study aims to analyze the relationship between the level of knowledge of parent swith achild's dental and oral hygiene in kinder garten Tunas Bhakti Manado. The research used the descriptive analytical study with cross sectional approach. The experiment was conducted in a kinder garten classroom Shoots Bhakti Manado. The sample in this study all children in kinder garten preschool Tunas Bhakti Manado as many as 70 children examined OHI-S and as many as 12 questions questionnaire for the elderly. Sampling technique with a total sampling method.The results of this study indicate that parental knowledge about dental and oral hygiene in either category by 45.7% with oral hygiene status of children included in the medium category at 65.7%. Based on the results obtained Pearson correlation test p value of 0.020 (p <0.05). It can be concluded that there is a relationship between the level of knowledge of parents with children's dental and oral hygiene in kindergarten Tunas Bhakti Manado. Keywords: knowledge, OHI-S, preschoolers.   Abstrak: Pengetahuan merupakan domain yang sangat penting untuk terbentuknya tindakan seseorang.Pengetahuan orang tua sangat penting dalam mendasari terbentuknya perilaku yang mendukung atau tidak mendukung kebersihan gigi dan mulut anak. Kebersihan mulut yang baik akan membuat gigi dan jaringan sekitarnya sehat. Penelitian ini bertujuan untuk menganalisis hubungan antara tingkat pengetahuan orang tua dengan kebersihan gigi dan mulut anak di TK Tunas Bhakti Manado.Jenis penelitian yang digunakan yaitu penelitian deskriptif analitik dengan pendekatan cross sectional study.Penelitian dilaksanakan di ruangan kelas TK Tunas Bhakti Manado. Sampel dalam penelitian ini seluruh anak prasekolah di TK Tunas Bhakti Manado sebanyak 70 anak diperiksa OHI-S dan kuesioner sebanyak 12 pertanyaan untuk orang tua. Teknik pengambilan sampel dengan metode total sampling. Hasil penelitian ini menunjukkan bahwa pengetahuan orang tua mengenai kebersihan gigi dan mulut dalam kategori baik sebesar 45,7% dengan status kebersihan gigi dan mulut anak termasuk dalam kategori sedang sebesar 65,7%. Berdasarkan hasil uji korelasi pearson didapatkan p value 0,020 (p<0,05). Dapat disimpulkan bahwa terdapat hubungan antara tingkat pengetahuan orang tua dengan kebersihan gigi dan mulut anak di TK Tunas Bhakti Manado. Kata kunci: pengetahuan, OHI-S, anak prasekolah.  


2020 ◽  
Vol 8 (3) ◽  
pp. 131-135
Author(s):  
Muna Badu ◽  
Shankar Bahadur Singh Rajbhandari ◽  
Pashupati Regmi

Background: Gestational age and fetal weight estimation by ultrasound is the most effective and accurate method to date pregnancy. Ultrasound has been used to characterize placental position and morphologic changes. Placental thickness could be one additional parameter to assess gestational age and fetal weight. Objectives: This study aims to investigate the relationship between placental thickness with gestational age and fetal weight in third trimester of pregnancy in primigravida. Methodology: Prospective hospital based cross sectional study was conducted including 111 primigravida in third trimester with normal singleton pregnancies in Department of Radiology of Kathmandu Medical College Teaching Hospital from November 2018 to February 2019. Patients with known medical and obstetrical complications were excluded from the study. Placental thickness in millimeters was measured at the level of insertion of the umbilical cord. Pearson’s correlation analysis was used for analyzing variables and p-value <0.05 was considered statistically significant. Results: Mean age of participants was 28.3 ± 4.79 years. Posterior location of the placenta was most common (35%). Placental thickness correlated well with the gestational age and fetal weight. Pearson correlation coefficient was found to be 0.645 for placental thickness with gestational age and 0.598 for placental thickness with fetal weight. P-value was <0.001 in both, showing positive correlation of mentioned variables with placental thickness. Conclusion: Placental thickness can be a new and reliable parameter for estimation of gestational age and fetal weight. It can be routinely used during antenatal checkup.


2018 ◽  
Vol 10 (5) ◽  
pp. 109
Author(s):  
Munyaradzi Jonga ◽  
Esther Waiganjo ◽  
Agnes Njeru

A number of new seed entrepreneurs were established in Kenya, however, the majority of them fail to achieve the required business growth and competiveness. As a result, they remain small and producing less quantities of seed compared to the few large seed companies in the same market. This study evaluated the influence of product quality on organizational performance of seed maize companies in Kenya. The study adopted a cross-sectional survey research design to collect data from the target population which comprised of seed maize companies in Kenya. The sampling frame of the study was the registered seed maize companies at the Seed Trade Association of Kenya which was the unit of analysis while the respondents were the managerial employees within the seed companies and key seed experts in Kenya. Primary data was obtained by administering questionnaires to four employees within each seed company. The four employees were randomly selected from the production, marketing, finance and warehousing departments. The key seed experts were selected through snow balling and judgment technique. Interviews were conducted with the selected seed experts. The collected data was analyzed using SPSS software. Factor analysis was done to establish the appropriateness of the questionnaire constructs. Both descriptive and inferential statistics were used. Inferential statistics included the use of bivariate analysis and the study used the Pearson correlation coefficient. The study also ran a multiple regression model in order to establish the effect of product quality on organizational performance of seed maize companies. Results indicated that the original source of seed can affect product credibility and sales, seed certification standards influenced product credibility and sales, characteristics of seed varieties affect product performance and use of hotlines to report seed failure influences the credibility of the seed and the distributor. The study concludes that managers can increase profitability by putting in place appropriate quality management systems (QMS) and product quality standardization of seeds produced to ensure high quality seed. The study recommends that the management of seed companies should ensure they embark on improving the product quality of seeds produced so as to meet customer requirements and enhance the firm’s performance. This can be achieved by implementing appropriate QMS, securing contracts with large farmers who have irrigation facilities to guarantee adequate seed fields isolation, high productivity and quality seed production.


2020 ◽  
Vol 8 (2) ◽  
pp. 112-118
Author(s):  
Yulaeka Yulaeka

Anemia is a condition when the levels of hemoglobin and erythrocytes are lower than normal. The normal value of hemoglobin in women is 12 -16 g / dl with erythrocytes from 3.5 to 4.5 jt / mm3. This study aimed to determine the relationship between nutritional status and Anemia of teenage girl. This research is analytic with cross sectional study design. The samples taken are 66 teenage girls, chosen by quote sampling. The data of this research used primary data obtained through checking up of body mass index and hemoglobin level. The data analysis used univariate analysis and bivariate analysis used Chi-square test. The results of this study indicate that there is a relationship between nutritional status and Anemia (p value 0.001).


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