scholarly journals Human Capital's Perception and Attitude towards Micro Insurance

2017 ◽  
Vol 9 (02) ◽  
Author(s):  
Ashutosh Dwivedi ◽  
Rajesh Kumar Singh
Keyword(s):  
Human Capital ◽  
Market Potential ◽  
Rural Poor ◽  
Sample Design ◽  
Design Data ◽  
Foregoing Discussion ◽  
Micro Insurance ◽  
Client Needs ◽  
Intended Use ◽  
Current Risk

The range of topics for microinsurance market potential research can be broad, depending on the intended use of findings and the time and resources available. Research can be carried out at three levels, namely understanding client needs, including their current risk management behavior, product-specific research and an analysis of the overall market potential. Thus, keeping in view the foregoing discussion on the market potential researches in the area of microinsurance, the present effort subsumes knowledge, perception, and attitude of rural human capital about insurance. The first section of the study elaborates the backdrop/statement of the problem, the second section outlines the objectives, and the third section discusses the Sample Design, Data and Methodology of the Study. Findings of the study have been outlined in the fourth section and the fifth section concludes the study and offers fruitful suggestions for extending microinsurance to the rural poor who are indeed a human capital of the nation.

The ‘fractal dimension’ of the market potential–human capital relation

2021 ◽  
pp. 1-8
Author(s):  
Jesus Lopez-Rodriguez ◽  
Guillermo Manso-Fernandez ◽  
Jose M. Barreiro-Viñan
Keyword(s):  
Human Capital ◽  
Fractal Dimension ◽  
Market Potential

scholarly journals Rough diamonds in emerging markets: legacy, competitiveness, and sustained high performance

2019 ◽  
Vol 26 (3) ◽  
pp. 363-386
Author(s):  
Seung Ho Park ◽  
Gerardo R. Ungson
Keyword(s):  
Human Capital ◽  
Emerging Markets ◽  
High Performance ◽  
Core Competencies ◽  
Market Potential ◽  
Government Support ◽  
Screening Tests ◽  
Institutional Voids ◽  
Content Type ◽  
Over Time

Purpose The purpose of this paper is to uncover the underlying drivers of sustained high performing companies based on a field study of 127 companies in Brazilian, Russian, Indian and Chinese (BRIC) and Association of Southeast Asian Nations (ASEAN) emerging markets. Understanding these companies provides a complementary way of appraising the growth, development and transformation of emerging markets. The authors synthesize the findings in an overarching framework that covers six strategies for building and sustaining legacy that leads to the succession of intergenerational wealth over time: overcoming institutional voids, inclusive markets, deepening localization, nurturing government support, building core competencies and harnessing human capital. The authors relate these strategies to different levels of development using Prahalad and Hart’s BOP framework. Design/methodology/approach This study examines the underlying drivers of sustained high-performance companies based on field studies from an initial set of 105,260 BRIC companies and close to 500 companies in ASEAN. The methods employed four screening tests to arrive at a selection of the highest-performing firms: 70 firms in the BRIC nations and 58 firms from ASEAN. Following the selection, the authors constructed cases using primary interviews and secondary data, with the assistance of Ernst & Young and with academic colleagues in Manila. These studies were originally conducted in two separate time periods and reported accordingly. This paper synthesizes the findings of these two studies to arrive at an extended integrative framework. Findings From the cases, the authors examine six strategies for building and sustaining legacy that lead to high performance over time: overcoming institutional voids, creating inclusive markets, deepening localization, nurturing government support, building core competencies and harnessing human capital. To address the evolving state of institutional voids in these countries, the authors employ similar methods to hypothesize the placement of these strategies in the context of the world economic pyramid, initially formulated as the “bottom of the pyramid” framework. Originality/value This paper synthesizes and extends the authors’ previous works by proposing the concept of legacy to describe the emergence and succession of local exemplary firms in emerging markets. This study aims to complement extant measures of nation-growth based primarily on GDP. The paper also extends the literature on institutional voids in shifting the focus from the mix of voids to their evolving state. Altogether, the paper provides a complementary narrative on assessing the market potential of emerging markets by adopting several categories of performance.

scholarly journals Mobile Loan Frequency of Repayment as a Predictor of the Financial Performance of SMEs in Urban Informal Settlements in Kenya

2021 ◽  
Vol 2 (2) ◽  
pp. 97-113
Author(s):  
Margaret Murage
Keyword(s):  
Civil Society ◽  
Financial Performance ◽  
Survey Design ◽  
Informal Settlements ◽  
Civil Society Organizations ◽  
Design Data ◽  
Study Objective ◽  
Urban Informal Settlements ◽  
Descriptive Survey ◽  
Intended Use

This study explored the effect of repayment timelines on the financial performance of SMEs in urban informal settlements in Kenya. This study adopts the descriptive survey design. Data were collected from 120 SMEs in the 6 wards of Mathare Sub-County. Data was collected using semi-structured questionnaires. It was analysed using descriptive and inferential statistics. From the study findings, it is evident that repayment timelines influenced the application for mobile loans. The ability to pay mobile loans without problems due to flexible repayment times also enhanced the performance of the respondents’ businesses. While loans with short repayment periods discouraged the businesses from borrowing due to immense pressure, long repayment periods were preferable since it meant that the stock purchased could be converted to cash. Budgeting could also be made easy due to the certainty of cash flow in long and flexible repayment periods. Lastly, a long repayment period meant that the intended use of the money borrowed could be realized. The study made the following recommendation based on the study objective. In this regard, most of the various mobile loan providers should put in place flexible repayment plans to make their loans appealing. They should also market their mobile loan products to make them visible since only 4, Safaricom-Fuliza, M-Shwari, Tala, and KCB-Mpesa were the most used. Civil society organizations in collaboration with mobile loan providers should also carry out capacity building campaigns among SMEs in informal settlements.

scholarly journals Synthetic Multiple-Imputation Procedure for Multistage Complex Samples

2016 ◽  
Vol 32 (1) ◽  
pp. 231-256 ◽  
Author(s):  
Hanzhi Zhou ◽  
Michael R. Elliott ◽  
Trivellore E. Raghunathan
Keyword(s):  
Multiple Imputation ◽  
Survey Design ◽  
Efficient Estimation ◽  
Sample Design ◽  
Sampling Weights ◽  
Design Data ◽  
Item Level ◽  
Complex Sample ◽  
Analytic Strategy ◽  
Modeling Strategy

Abstract Multiple imputation (MI) is commonly used when item-level missing data are present. However, MI requires that survey design information be built into the imputation models. For multistage stratified clustered designs, this requires dummy variables to represent strata as well as primary sampling units (PSUs) nested within each stratum in the imputation model. Such a modeling strategy is not only operationally burdensome but also inferentially inefficient when there are many strata in the sample design. Complexity only increases when sampling weights need to be modeled. This article develops a generalpurpose analytic strategy for population inference from complex sample designs with item-level missingness. In a simulation study, the proposed procedures demonstrate efficient estimation and good coverage properties. We also consider an application to accommodate missing body mass index (BMI) data in the analysis of BMI percentiles using National Health and Nutrition Examination Survey (NHANES) III data. We argue that the proposed methods offer an easy-to-implement solution to problems that are not well-handled by current MI techniques. Note that, while the proposed method borrows from the MI framework to develop its inferential methods, it is not designed as an alternative strategy to release multiply imputed datasets for complex sample design data, but rather as an analytic strategy in and of itself.

scholarly journals PROFESSIONAL EDUCATION AND HUMAN CAPITAL DEVELOPMENT DIFFICULTIES IN GEORGIA UNDER THE MODERN GLOBALIZATION TERMS

2018 ◽  
pp. 211-217
Author(s):  
MURMAN TSARTSIDZE
Keyword(s):  
Human Capital ◽  
Labor Market ◽  
Educational System ◽  
Professional Education ◽  
Market Potential ◽  
Human Capital Development ◽  
Correct Orientation ◽  
Potential Formation ◽  
Capital Development ◽  
Effective Use

Unfortunately, in the epoch of modern globalization, the main priority of the country is still the unemployment and the poverty overcoming. In such situation it is clear, that the economic development and the significant improvement of the population’s living standards cannot be achieved without human resources development, effective use of the labor potential, formation of civilized labor market and organization of the professional educational system according to the modern standards. The latter should favor the development of the main state strategy task – labor force oriented to the labor market demands and accordingly, the human capital development, significant increase of the competitiveness in the local and international markets. Proceeding from the actuality of the issue, in the work the role of education, especially the professional education, as the social-cultural phenomena is considered. The main problems and challenges of the field are studied. We have documented that in the terms of modern globalization the level, quality of functioning of the professional educational system and its correct orientation towards the labor market demands to determine the human capital development in the country, labor market potential their quality perfection and their use prospective.

scholarly journals The ubiquitous possibilities of the laptop: Spanish university students’ perceptions

Comunicar ◽  
2016 ◽  
Vol 24 (46) ◽  
pp. 87-95 ◽  
Author(s):  
María-Luisa Sevillano-García ◽  
María-Pilar Quicios-García ◽  
José-Luis González-García
Keyword(s):  
University Libraries ◽  
Sample Design ◽  
Design Data ◽  
Academic Tasks ◽  
Frequency Of Use ◽  
New Type ◽  
Las Mujeres ◽  
Spanish Public Universities ◽  
Learning Institutions ◽  
University Classrooms

University classrooms have been taken over by a new type of student, the «plurimodalicts». This society is characterized by the different ways its students relate to ICTs. This article analyses where, how and for what a sample of 451 students from five Spanish public universities use their laptop computers. The study uses an incidental non-random cluster sample design. Data collection was conducted via questionnaire based on a five-point Likert scale. The questionnaire was divided into three sections: computer use; location and frequency of use of the device; and laptop functions and applications. The study concludes that «plurimodalicts» use their laptops to produce academic work, as well as for exchanging class notes and searching for information. The distance or direct learning methodology and the respondent's gender also determine laptop use for academic tasks, which is greater at distance learning institutions and is more prevalent among women than men. These devices are mainly used at home and, in the case of the younger respondents, also in university libraries. The laptop functions vary according to age group, and the device is mostly used for gaming and as a study tool by the youngest students. Las aulas universitarias están ocupadas por un nuevo modelo de sociedad estudiantil denominada «plurimodaltic». Esta sociedad se caracteriza por el conjunto de relaciones que establecen los universitarios con las tecnologías de la información y comunicación (TIC). Este artículo analiza los usos, lugares de utilización y funciones que otorgan 451 estudiantes de cinco universidades públicas españolas al ordenador portátil. El muestreo utilizado para el estudio parte de un diseño muestral incidental no aleatorio y por conglomerados. La recogida de información se ha realizado a través de un cuestionario con respuestas en escala Likert de cinco puntos. Éste se ha estructurado en tres secciones, una para usos del ordenador, otra para lugares y frecuencia de uso del dispositivo y la última para funciones y aplicaciones del ordenador portátil. Las conclusiones obtenidas permiten afirmar que el uso mayoritario del ordenador portátil entre la «plurimodaltic» es académico. Se usa para elaborar trabajos, intercambiar apuntes o buscar información. La metodología de la universidad de procedencia y el género del entrevistado determina el uso académico de los ordenadores portátiles siendo mayor en las universidades no presenciales y entre las mujeres que entre los hombres. El lugar donde mayoritariamente se utilizan estos dispositivos es en los domicilios particulares seguido, entre los entrevistados más jóvenes, por las bibliotecas universitarias. Las funciones otorgadas al ordenador portátil varían con la edad siendo mayoritariamente lúdica e instrumental entre los más jóvenes.

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