Gender And Access To Credit In Micro And Small Enterprises In Mutare, Zimbabwe

2019 ◽  
Vol 118 (10) ◽  
pp. 224-243
Author(s):  
David Damiyano ◽  
Nirmala Dorasamy
Keyword(s):  
Informal Sector ◽  
Economic Activity ◽  
Urban Areas ◽  
Negative Relationship ◽  
Secondary Data ◽  
Ordinary Least Squares ◽  
Formal Sector ◽  
Access To Credit ◽  
The Government ◽  
And Gender

The research study sought to investigate the relationship between access to credit and gender in urban areas of Zimbabwe in which the informal sector is larger than the formal sector. In order to achieve this, the study used the Grameen Theory of micro-lending in Bangladesh, the MC2 theory and ROSCAs theories. The study used secondary data obtained from ZIMSTATS, World Bank, Confederation of Zimbabwe Industries (CZI), the Wisrod website and other publications. E-Views was used to analyze the data using Ordinary Least Squares (OLS) for estimation. The results obtained revealed that gender and age of the client are insignificant in determining accessibility of credit from MFIs. Work attendance, loan repayment ability and profit per day have a positive relationship with access to credit; and firm age has a negative relationship with access to credit in Zimbabwe. In light of these results, the study recommended the government to increase access of credit so as to increase economic activity where there is a large informal sector.  In addition, it also recommended that the government should implement policies which enable the participation of women and also use credit creation multipliers as a way to increase economic activity leading to economic growth.

scholarly journals Economic sector, demographic composition, educational attainment, and earnings in Brazil

2018 ◽  
Author(s):  
Ernesto F. L. Amaral ◽  
Samantha Haussmann Rodarte Faustino ◽  
Guilherme Quaresma Gonçalves ◽  
Bernardo L Queiroz
Keyword(s):  
Educational Attainment ◽  
Informal Sector ◽  
Older Workers ◽  
Urban Areas ◽  
Ordinary Least Squares ◽  
Economic Sector ◽  
Formal Sector ◽  
Independent Variables ◽  
Education Groups ◽  
Male Workers

Brazil experienced population ageing and improvement in educational attainment between 1980–2010. Proportion of workers in the formal economic sector increased between 2000–2010. Earnings decreased from 1980 to 1991 and increased in 2000. However, earnings in the formal economic sector decreased again in 2010. We estimate associations of individual- and area-level variables with individual earnings of male workers living in urban areas in Brazil. Ordinary least squares regressions estimate variations on earnings of male workers, using the 1980–2010 Demographic Censuses. Individual independent variables include age, education, economic sector, race/color, marital status, religion, and region of residence. Contextual independent variables consider demographic, educational, and economic sector compositions by areas of residence. Considering individual-level variables, older and better educated workers have higher earnings. Workers in the formal economic sector have higher earnings than in the informal sector. For area-level variables, higher proportions of people working in the formal economic sector have positive associations with earnings. Proportions of people in age-education groups have negative associations with earnings mostly among older workers. For models by economic sector, proportions in age-education groups have higher positive coefficients in the informal sector, compared to the formal sector. Transitions in demographic, educational, and economic sector compositions are correlated with earnings. These effects generate greater economic inequality in the informal sector than in the formal sector. Our main contribution is the estimation of models about associations of individual earnings with individual and area-level variables, which can be replicated for other countries.

scholarly journals The Impact of Government Debt on the Economic Growth of Ghana: A Time Series Analysis from 1990-2015

2015 ◽  
Vol 2 (5) ◽  
pp. 31-39 ◽  
Author(s):  
Lucy Anning ◽  
Collins Frimpong Ofori ◽  
Ernest Kwame Affum
Keyword(s):  
Economic Growth ◽  
World Bank ◽  
Negative Relationship ◽  
Secondary Data ◽  
Government Debt ◽  
Ordinary Least Squares ◽  
Poor Countries ◽  
High Dependency ◽  
Heavily Indebted Poor Countries ◽  
The Impact

In this study we investigate the impact of government debt on the economic growth of Ghana adopting the methodology of the simple Ordinary Least Squares with data spanning from 1990 to 2015. Ghana has unfortunately found itself in the tragic situation of high external government debt which has led to high dependency on aid and other loans to support its development. These aids and loans have seen the debt of Ghana rise steadily over the years. As a result of the Heavily-Indebted Poor Countries (HIPC) which was presented by the IMF and World Bank in 1999, Ghana was judged to be a HIPC with unsustainable debt enabling the country to benefit from debt relief. We investigate the impact of government debt (both external and domestic) by testing three related models at the domestic and external levels including the general growth of the Ghanaian economy. In constructing our dataset, we build on the study of many scholars including a substantial amount of new materials from both primary and secondary data sources being Ministry of Finance (MOF) or Treasury Latest actual data: Government Finance Statistics Manual (GFSM), Ghana and World Bank. The research findings revealed that there is a negative relationship between debt (domestic and external) and growth in the economy of Ghana and recommend among others that government debt borrowing should be discouraged while increasing the revenue base through tax reform programs is encouraged.

A Comparative Analysis of Land, Caste, and Gender in Tamil Nadu and Madhya Pradesh With Reference to India

2019 ◽  
pp. 149-175
Author(s):  
M. Thangaraj
Keyword(s):  
Economic Activity ◽  
Urban Areas ◽  
Land Reform ◽  
Tamil Nadu ◽  
Agricultural Sector ◽  
National Income ◽  
Tenure Reform ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
And Gender

Land is a gift of nature and its supply is perfectly inelastic. The quality of land differs very much from one place to another. Land is an important productive asset in rural India. Land is the backbone of agriculture. It serves as the base for all living beings. Nearly two-thirds of the workforce directly or indirectly depends on agriculture for their livelihood. About one-fifth of national income is derived from agricultural sector. Agriculture is a risky and most uncertain economic activity, as it heavily depends upon the vagarious of monsoon. Land market is a significant economic activity and may be classified into land sale market and land lease market both in rural and urban areas. Land reform is one of the regulating mechanisms of the agrarian activity which may be classified into 1) reforms aimed at changing ownership pattern (re-distributive reform) or 2) reforms dealing with leasing of land (tenancy/tenure reform).

scholarly journals Challenges in Developing Ecotourism in The Region of Lake Sentani Papua

2017 ◽  
Author(s):  
Yannice Luma Marnala Sitorus ◽  
Arief Rosyidie ◽  
Suhirman Suhirman
Keyword(s):  
Urban Areas ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Ecological Change ◽  
Cultural Changes ◽  
The Sustainable Development ◽  
Nature Tourism ◽  
The Government ◽  
Tourism Potential ◽  
Traditional Communities

The concept of community-based ecotourism is one of the sustainable development concepts suitable to be applied to traditional regions with nature tourism potential. Differences in culture between traditional communities and the outside world are not an obstacle in developing the region because with their local wisdom traditional communities can participate in protecting and managing their natural surrounding and at the same time become an attraction for other communities. However, outside societies can influence the culture of the traditional communities that originally tends to be oriented on biocentrism to shift towards anthropocentrism. This can eventually hamper the continuity of ecotourism development. This can be seen from the traditional communities at Lake Sentani, the case study of the author. The study is based on literature and secondary data and used descriptive analysis. The traditional communities of Sentani do not yet fully participate in the development of tourism in its surroundings. Their involvement in tourism development is more focused on ceremonial activities such as can be seen at the Lake Sentani Festival which is organized every year by the government. Besides this, after coming into contact with modern life the traditional communities of Lake Sentani rarely perform their daily activities based on local wisdom aimed at natural conservation of the lake. The development of urban areas in the surroundings also influences changes in land use in the Lake Sentani region which then causes among others erosion, sedimentation, and pollution of the lake water. Socio-economic and cultural changes in the traditional communities of Sentani and the growth of development also contribute towards ecological change in the area of Lake Sentani, the place they live in.

scholarly journals Informality and Development

2014 ◽  
Vol 28 (3) ◽  
pp. 109-126 ◽  
Author(s):  
Rafael La Porta ◽  
Andrei Shleifer
Keyword(s):  
Economic Growth ◽  
Developing Countries ◽  
Economic Development ◽  
Informal Sector ◽  
Economic Activity ◽  
Organizational Form ◽  
Formal Sector ◽  
Dual Models

In developing countries, informal firms account for up to half of economic activity. They provide livelihood for billions of people. Yet their role in economic development remains controversial with some viewing informality as pent-up potential and others viewing informality as a parasitic organizational form that hinders economic growth. In this paper, we assess these perspectives. We argue that the evidence is most consistent with dual models, in which informality arises out of poverty and the informal and formal sectors are very different. It seems that informal firms have low productivity and produce low-quality products; and, consequently, they do not pose a threat to the formal firms. Economic growth comes from the formal sector, that is, from firms run by educated entrepreneurs and exhibiting much higher levels of productivity. The expansion of the formal sector leads to the decline of the informal sector in relative and eventually absolute terms. A few informal firms convert to formality, but more generally they disappear because they cannot compete with the much more-productive formal firms.

The Social Issue in the Company

2019 ◽  
Vol 5 (1) ◽  
pp. 37-43
Author(s):  
Abdelatif Kerzabi ◽  
Nawal Chemma
Keyword(s):  
World Bank ◽  
Negative Relationship ◽  
Secondary Data ◽  
Government Debt ◽  
Ordinary Least Squares ◽  
Poor Countries ◽  
High Dependency ◽  
Heavily Indebted Poor Countries ◽  
Research Findings ◽  
The Impact

In this study, we investigate the impact of government debt on the economic growth of Ghana adopting the methodology of the simple Ordinary Least Squares with data spanning from 1990 to 2015. Ghana has unfortunately found itself in the tragic situation of high external government debt which has led to high dependency on aid and other loans to support its development. These aids and loans have seen the debt of Ghana rise steadily over the years. As a result of the Heavily-Indebted Poor Countries (HIPC) which was presented by the IMF and World Bank in 1999, Ghana was judged to be a HIPC with unsustainable debt enabling the country to benefit from debt relief. We investigate the impact of government debt (both external and domestic) by testing three related models at the domestic and external levels including the general growth of the Ghanaian economy. In constructing our dataset, we build on the study of many scholars including a substantial amount of new materials from both primary and secondary data sources being Ministry of Finance (MOF) or Treasury Latest actual data: Government Finance Statistics Manual (GFSM), Ghana and World Bank. The research findings revealed that there is a negative relationship between debt (domestic and external) and growth in the economy of Ghana and recommend among others that government debt borrowing should be discouraged while increasing the revenue base through tax reform programs is encouraged.

scholarly journals Optimal Tax Design and Enforcement with an Informal Sector

2009 ◽  
Vol 1 (1) ◽  
pp. 1-27 ◽  
Author(s):  
Robin Boadway ◽  
Motohiro Sato
Keyword(s):  
Informal Sector ◽  
Production Efficiency ◽  
Intermediate Goods ◽  
Formal Sector ◽  
Optimal Tax ◽  
Commodity Tax ◽  
The Government ◽  
Optimal Commodity ◽  
Tax Design

An optimal commodity tax approach is taken to compare trade taxes and VATs when some commodities are produced informally. Trade taxes apply to all imports and exports, including intermediate goods, while the VAT applies only to sales by the formal sector and imports. The VAT achieves production efficiency within the formal sector, but, unlike trade taxes, cannot indirectly tax profits. Making the size of the informal sector endogenous in each regime is potentially decisive. The ability of the government to change the size of the informal sector through costly enforcement may also tip the balance in favor of the VAT. (JEL E26, H21, H25)

scholarly journals Addressing the Affordable Housing Challenges for Urban Poor in Pakistan

2019 ◽  
Vol IV (IV) ◽  
pp. 416-433
Author(s):  
Zafar Iqbal Zafar ◽  
Abdul Waheed ◽  
Beenish Javaid
Keyword(s):  
Affordable Housing ◽  
Urban Areas ◽  
Urban Poor ◽  
Field Data ◽  
Housing Demand ◽  
Lower Income ◽  
Formal Sector ◽  
Squatter Settlements ◽  
Income Groups ◽  
The Government

The rapid growth of urbanization has resulted in tremendous pressure on housing in urban areas, particularly for middle- and lower-income groups. The formal sector has been unable to cater to the affordable housing demand, particularly for urban poor. Islamabad is the planned city and capital of Pakistan; its development started in 1960. A number of squatter settlements have emerged in this planned city which are increasing with the passage of time. The government of Pakistan, realizing the gravity of the problem, started various programs and approached at different times to address this issue. This paper discusses various international and national approaches in this context. Squatter settlements in Islamabad have been visited, and field data were collected through a survey from France Colony Sector F-7/4, Islamabad and recommendations have been suggested in the light of international practices.

scholarly journals ANALISIS PROGRAM PENINGKATAN PENANGGULANGAN KEMISKINAN DALAM PENGEMBANGAN USAHA KECIL DI NUSA TENGGARA BARAT KASUS DI KABUPATEN: BIMA, SUMBAWA, DAN LOMBOK BARAT

2016 ◽  
Vol 7 (3) ◽  
pp. 325 ◽  
Author(s):  
Wargono Adisoewignyo
Keyword(s):  
Rural Areas ◽  
Small Businesses ◽  
Urban Areas ◽  
Rural Economy ◽  
Secondary Data ◽  
Poverty Eradication ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
Small Scales ◽  
The Government

The population of the small and medium scale businesses (SMSB) are amounted about more 500 thousand, while their role in GNP are about 50%. More 90% of the SMSB are small scales and carry out their activities in many sectors which are spead out in rural and urban areas as well. The power of the SMSB has been proved through the crises since 1998, they are still exsits, while the conglomerate had been col/aped. The development programme of small businesses in Indonesia has been intorduced for more than 3 decades, but the results are still queationable. In the beginning of 90's, such programmes were introduced in a line of the poverty eradication (PPE). The PPE programes such as PHBK, P4K, KUKESRA and IDT are in a line to the programes of developing real sectors in rural areas. Poverty is a crucial problem and consists of multidimensional aspects, not only economic but also social, cultural, structural and institutional as well.The previous programes never touch the core problem, operate separately, and rarely include the group targets (poor society) to actively participate in the programs. Another new programs such as P-IK, PHBK, KUKESRA and IDT have also been carried out, but at the present the results were still questionably. Some programes are introduced to develop small scales business, such as PHBK dan KUKESRAAims of the study are to indentify: the successes and the .fails of varoius programs for eradicating poverty, terms as 'Program for Poverty Eradication· or shortly PPE; how the fund has been allocated, managed, and coordinated; how jar the society, LSM, and poors themselves do involve; and how jar the programs could reduce poverty and sustainable develop the rural economy. The study has been carried out in three kabupatens: Bima. Sumbawa, dan West Lombok Resource persons are the GO and the NGO officers who close relate with the PPE. The respondents are members POKMAS who receive fund of the PPE. The Sarasehan procedure with resource applies to collect secondary data of the PPE's program from resource persons, while the participatory and emphatic procedures are used to invite responses and attitudes of respondents.The results indicate the models of the PPH, such as P-IK, PHBK. KUKESRA and IDT could not be generalized. Some were more rigid, while some others were accommodative. Some were effective, the others were stagnant, evermore fails. They need solid commitment of all: the government institutions from the top to the lowest. The involvement of the TOGA, the TOMA, and the NGO, and the poor themselves. The more rigid the programs were managed and directed (by the government), the higher the probability of programs are stagnant and even morefruitlessly.

scholarly journals EFFECTS OF WORKING CAPITAL CYCLE ON PROFITABILITY OF MANUFACTURING FIRMS IN GHANA

2017 ◽  
Vol 1 (3) ◽  
pp. 95
Author(s):  
Alfonse Editor Kisilu
Keyword(s):  
Research Design ◽  
Small Firms ◽  
Management Practice ◽  
Negative Relationship ◽  
Secondary Data ◽  
Manufacturing Firms ◽  
Sampling Frame ◽  
Working Capital ◽  
Beta Coefficient ◽  
The Government

Purpose: The study was on the effects of working capital cycle on profitability of manufacturing firms in Ghana.Methodology: The research design used in this study was explanatory research design. There are 78 large manufacturing firms in Loan Book of Barclays Bank Ghana.  The population of the study is therefore 78 firms.  The sampling frame was the loan book of Barclays Bank Ghana.  It is for this reason that the study considered 50% of the population to be the sample size. This yielded 39 large manufacturing firms.  The study used secondary data only for the purposes of analysis and drawing of conclusions. Descriptive statistics included mean scores and inferential statistics included regression modeling.Results: Results show that there is a negative relationship between profit before tax and mean debtor’s collection period whose beta coefficients is -1817.81. Results show that there is a negative relationship between profit before tax and mean inventory conversion period whose beta coefficients is -103.762. The mean payable deferral period had a positive relationship with profitability with a beta coefficient of 1097.073. The findings show that there is a negative relationship between profit before tax and working capital conversion cycle with a beta coefficient of -816.198.Policy recommendation: It was recommended that speeding up payments to suppliers might increase profitability because firms often receive a substantial discount for prompt payment.It was also recommended that the government should intervene by way of a legislation that would impose penalty interest for delayed payment of commercial debts. Such a provision would create a level playing field by binding all firms to pay promptly and ease the cash flow problems of small firms, who will be compensated for any overdue payments. It was recommended that the owners of firms be made more aware and trained on the best credit management practice. That way, they could reduce the amount of overdue debt and alleviate the problem.

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