scholarly journals Impact of Microfinance Programme on Employment Status of the Participants

2018 ◽  
Vol 8 (02) ◽  
Author(s):  
. Ruchi Joshi ◽  
C. S. Joshi
Keyword(s):  
Financial Services ◽  
Urban Areas ◽  
Employment Status ◽  
Secondary Data ◽  
The State ◽  
Standard Of Living ◽  
Primary Data ◽  
Regulatory Body ◽  
The Poor ◽  
The Impact

Microfinance has emerged as a ray of hope among the various measure to wipe out poverty. In India, failure of formal finance to the poor has led to the growth of microfinance. Numerous traditional and informal system of credit was already in existence before microfinance came into vogue. NABARD a regulatory body defined microfinance as “the provision of thrift, saving, credit and financial services and products of very small amount to the poor in rural, semi-urban and urban areas for enabling them to raise their income levels and improve their standard of living”(Sen,2008). The paper also provide the progress of microfinance programme in Uttarakhand on the basis of secondary data. The present paper examines the impact of microfinance programme on employment status of the respondents in the State of Uttarakhand on the basis of primary data collected from the field. As the programme has increased the engagement of SHG group members i.e; participants of the programme economic activities which result in the increase level of employment. Microfinance play an important role in the development of the state as the programme increased the employment status which result beneficiaries to come out of poverty and the standard of living also raised by accessing the basic requirements.

Zakat Disbursement via Capital Assistance: A Case Study of Majlis Agama Islam Johor

2013 ◽  
Vol 1 (2) ◽  
pp. 42
Author(s):  
Ahmad Che Yaacob ◽  
Safiah Mohamed ◽  
Azizah Daut ◽  
Normah Ismail ◽  
Mohd Ali Muhammad Don
Keyword(s):  
Small Business ◽  
Statistical Data ◽  
Secondary Data ◽  
The State ◽  
Primary Data ◽  
Development Programs ◽  
The Poor ◽  
The Impact ◽  
Research Grant

This paper examines management of zakat in the state of Johor and focuses on the distribution of zakat to the recipients of capital assistance who are involved in the socio-development programs. It intends to examine the impact of the program towards their achievements after receiving capital assistance to start their small business ventures. Both primary and secondary data are used in the studies. The primary data were collected from interviews with the officers of Majlis Agama Islam Johor (MAIJ) and the statistical data were obtained from documents such as reports, financial records, and brochures. The findings show commendable improvement in zakat management for the five-year period of study. Nonetheless, recommendations pertaining to supervision, procedures, and cooperation are posed for improving the programs in assisting the poor and needy recipients and to optimize the zakat disbursement. The study was made possible with the research grant from Accounting Research Institute (ARI) of UiTM.

scholarly journals An Empirical Analysis of the Impact of Agency Banking on Financial Inclusion in Benue State, Nigeria: Implications for Economic Activities

2022 ◽  
Vol 14 (2) ◽  
pp. 75
Author(s):  
David Terfa Akighir ◽  
Tyagher Margaret ◽  
Jacob Terungwa Tyagher ◽  
Tordue Emmanuel Kpoghul
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Structural Equation ◽  
Structural Equation Models ◽  
Survey Design ◽  
Secondary Data ◽  
The State ◽  
Financial Inclusion ◽  
Economic Activities ◽  
The Impact

Twelve (12) out of the Twenty-three (23) local government areas (LGAs) in Benue State do not have the presence of banks over a long period of time. This situation has deprived the inhabitants of these LGAs of access to formal financial services until the advent of agency banking. This study therefore, investigates the impact of agency banking on financial inclusion and economic activities in Benue State focusing on the agency banking activities of First Bank Ltd. The study is anchored on the agency theory and it used a survey design. The study has utilized both primary and secondary data that were analyzed using descriptive statistical tools and structural equation models. Findings of the study have revealed that agency banking activities of First Bank Ltd have immensely enhanced financial inclusion and economic activities in Benue State. However, challenges such as shortages of cash, security problems, network failures, and lack of financial literacy are militating against the smooth operations of the agency banking in the State. On the basis of these findings, the study has recommended among others that, other banks operating in the State should be encouraged to venture into agency banking in the state so as to have a wider coverage of agency banking in the State. Also, government should provide security and partner with the private sector to provide national carrier communication network system to overcome the network failure challenge. Finally, banks should intensify efforts to educate the masses about the validity and potency of agency banking.

Ensuring Competition in the Telecommunication Business Environment in Ghana

2014 ◽  
pp. 73-87
Author(s):  
Stephen E. Armah
Keyword(s):  
Market Structure ◽  
Relevant Literature ◽  
Secondary Data ◽  
Consumer Welfare ◽  
Business Environment ◽  
Primary Data ◽  
Regulatory Body ◽  
Telecommunication Sector ◽  
Price Collusion ◽  
The Impact

This chapter investigates the possibility of anti-competitive behavior in the Ghana telecommunication sector and determines exploratorily if there is a need for the enactment of anti-trust laws to protect social welfare. The chapter first evaluates the available relevant literature on the subject, assesses the current situation, evaluates the current market structure, and identifies how market power is affecting consumer welfare. Reviews of available literature and secondary data were conducted to establish the relevant conditions for the applicability of such a law. Next, primary data was collected from stakeholders to solicit views on the impact of market structure on pricing and the need for anti-trust laws. Results suggest the Ghana telecommunication sector is open to “cartelization,” which can result in different forms of price collusion despite the existence of a state regulatory body (The National Communications Authority, NCA). The study highlights the Ghanaian consumers' susceptibility to unfair marketing practices due to the possible absence of pertinent anti-trust legislation.

scholarly journals The Impact of Forestry on The Economy of The State of Azad Jammu and Kashmir

2016 ◽  
Vol 12 (28) ◽  
pp. 459
Author(s):  
Nasim Akhter ◽  
Sabahat Akram ◽  
Bashir Ahmed Khilji ◽  
Shahid Hussain
Keyword(s):  
Goodness Of Fit ◽  
National Income ◽  
Secondary Data ◽  
Multiple Regression Model ◽  
The State ◽  
Primary Data ◽  
Jammu And Kashmir ◽  
Integrated Policy ◽  
Forestry Resources ◽  
The Impact

In this paper a study was carried out to assess the contribution and impact of forestry resource on the economy of the State of Azad Jammu & Kashmir, as 42% of the total area is covered by forests. To conduct the study both secondary and primary data was used. Secondary data was collected from different public sector concerned departments. Primary data was collected through a comprehensive questionnaire from 212 selected respondents by using convenience sampling of 3 Forest Divisions which were 16% of total targeted population. Multiple Regression Model was applied by using last twenty years secondary data of ten sectors of the economy. The value indicates goodness of fit of the model. The results show that forestry resources are an important contributor to the state’s National Income. The study recommends concerted efforts and integrated policy making to conserve the fragile eco system of mountainous areas like AJK. The primary and secondary data reveals that 16000 people are availing job opportunities through forestry resource.

scholarly journals Socio-Cultural and Economic Impact of Kochi-Muziris Biennale

2019 ◽  
Vol 8 (4) ◽  
pp. 573-577
Keyword(s):  
Economic Impact ◽  
Research Work ◽  
Secondary Data ◽  
The State ◽  
Primary Data ◽  
Site Specific ◽  
Standard Questionnaire ◽  
Heritage Buildings ◽  
Public Area ◽  
The Impact

Kochi-Muziris Biennale is an ecumenical carnival of voguish art held in Kochi Kerala. It is the biggest dexterity carnival and largest voguish art fiesta in Asia. Kochi Biennale foundation collaborating with government of Kerala have initiated the Kochi-Muziris Biennale. The display of voguish art is spread across Kochi, with manifestations being held in galleries, site specific installations in public area heritage buildings and disused structure. The impact of Biennale in the economy of Kerala is an important area for a research work. But in this study we tried to understand the socio - cultural and economic impact of Kochi- Muziris Biennale in the state of Kerala. The study is analytical in nature and data collected from different classes of employees’ from various sectors and also from public. Primary and secondary data are collected for the study. The primary data are collected with the help of standard questionnaire and different journals, magazines and periodicals are used as secondary data.

scholarly journals PENGENTASAN KEMISKINAN PENDUDUK PERKOTAAN MELALUI PELATIHAN PENGOLAHAN SAMPAH

2014 ◽  
Vol 6 (1) ◽  
pp. 159-169
Author(s):  
Eva Banowati
Keyword(s):  
Urban Areas ◽  
Waste Treatment ◽  
Urban Poverty ◽  
Secondary Data ◽  
Functional Materials ◽  
Sampling Technique ◽  
Primary Data ◽  
Snowball Sampling ◽  
Process Waste ◽  
The Poor

Penelitian ini bertujuan membuat model pengentasan kemiskinan penduduk perkotaan melalui pelatihan mengolah sampah menjadi material fungsional baru. Penelitian tindakan (action reserach) dilakukan di Kota Semarang. Populasi penelitian adalah penduduk miskin, pengambilan sampel digunakan metode snowball. Data sekunder dari berbagai institusi terkait dan data primer diungkap menggunakan angket, wawancara, dan observasi. Data dianalisis secara keruangan berdasarkan Peta Sebaran Penduduk Miskin dan digunakan Tabel Silang.Pelatihan menggunakan Model Deduktif dan Induktif secara on the job karena penduduk miskin perkotaan belum berpengalaman mengolah sampah menjadi kompos. Analisis usaha membuat kompos didapatkan nilai B/C sebesar 1,098 yang bermakna usaha efisien dan menguntungkan. Pengolahan 1 container truck sampah volume bruto 3-5 ton didapatkan produk kompos sebagai material fungsional baru (MFB) sebesar 0,3 ton per daur. Harga jual senilai Rp. 250.000,00 berkontribusi terhadap peningkatan pendapatan Rp. 35.000 per hari mampu mengentaskan penduduk miskin ke posisi tidak miskin. Implikasi model pelatihan merupakan tindakan solutif yang edukatif dan mudah dijalankan karena penduduk diberi bekal keterampilan hidup yang berpeluang mengentaskan kemiskinan di perkotaanThe purposes of this research to create a model of urban poverty population through waste treatment training to obtain new functional materials. This action research was conducted in Semarang. The research population was the poor residents, using snowball sampling technique. Secondary data was sourced from related institutions and the primary data was exposed by questionnaire, interview, and observation. The data was analyzed in spatial based on the Distribution Map of the Poor and used Crossing-Table. The training was using Deductive and Inductive Models are used on the job because the poor are inexperienced to process waste into compost. Analysis of effort to make compost obtained value of B/C of 1.098 which means efficient and profitable. One truck container 3-5 tons gross volume of product obtained new functional materials (NFM) of 0.3 tonnes worth selling. 250,000.00 affect the increase in revenue to Rp. 35,000 per day from the sale of compost is able to alleviate the poor to non-poor position. Implications of the model training is educational and solution-action easy to implement because residents was given the opportunity of life skills provision alleviate the poverty urban areas.

scholarly journals The Impact of Transformation of Social Assistance on Financial Inclusion and Welfare of Beneficiary Families

2021 ◽  
Vol 16 (1) ◽  
Author(s):  
Arief Fajar Firmansyah ◽  
Suharno Suharno ◽  
Arintoko Arintoko
Keyword(s):  
Financial Services ◽  
Social Assistance ◽  
Secondary Data ◽  
Financial Inclusion ◽  
Primary Data ◽  
Beneficiary Community ◽  
Cash Transaction ◽  
Representative Office ◽  
The Impact ◽  
The City

This study is based on the transformation of the distribution of cash social assistance into non-cash in the City of Tegal. The non-cash distribution is by using a banking account that has a combo card facility, which is a multi-function card that can be used as an ATM card as well as disbursement of social assistance. There is a slice of the objectives of the non-cash transaction referred to as an alternative to accelerate the increase in financial inclusion of the Indonesian population as stated in the National Strategy for Financial Inclusion with the financial inclusion index indicator. This study aims to determine the impact of the transformation of the distribution of social assistance on financial inclusion in Tegal City and the welfare of beneficiary families (KPM). Primary data were collected from questionnaires that have been filled in by KPM and secondary data were obtained from the Central Bureau of Statistics and the Representative Office of Bank Indonesia Tegal. The analytical tool used is a quantitative approach to KPM's response to the distribution of non-cash social assistance. As supporting data, in the problem of financial inclusion, analysis tools are used by qualitatively comparing financial inclusion that is generated as a result of the implementation of the distribution of non-cash social assistance to existing financial inclusion. The analysis shows that the acceptance and perception of KPM supports the transformation of non-cash social assistance distribution, this is supported by KPM's interest in using combo cards as a means of saving. On the other hand, the transformation of the distribution of social assistance to non-cash contributes to financial inclusion in the city of Tegal, namely the Agent Laku Pandai (LKD) contributing 75.20% to banking financial services in Tegal City. From the 4 Welfare Indicator Classifications, it is found that the welfare of KPM has experienced changes in welfare after receiving non-cash social assistance and has improved the welfare of the beneficiary community (KPM).Keywords : Non-Cash Social Assistance, PKH, BPNT

scholarly journals Tea Plantations and Socio-Cultural Transformation: The Case of Assam (India)

2016 ◽  
Vol 4 (1) ◽  
pp. 25 ◽  
Author(s):  
Chandra Kala Magar ◽  
Bimal Kumar Kar
Keyword(s):  
Cultural Practices ◽  
Secondary Data ◽  
Central India ◽  
Cultural Transformation ◽  
The State ◽  
Primary Data ◽  
Important Place ◽  
The People ◽  
Tea Plantations ◽  
The Impact

The tea plantations of Assam, which constitute the country’s 53.97 per cent tea area, 49 per cent tea worker population, and 52.04 per cent tea production, occupy an important place in the economy, culture and polity of the state. The onset of tea plantations during British colonial rule has not only changed the landscape of the upper Brahmaputra valley through green tea bushes being nourished by tea tribes from east-central India, but also evolved a distinct tea culture. Although formation of small tea growers has added a new dimension to the growth of tea industry of Assam in recent times, the culture that emerged due to the long continued interaction of British planters, tea worker tribes and indigenous Assamese is well reflected in the language, way of life, work culture, food habits and many other socio-cultural practices in most of the large tea estates in the state. In fact, the impact of tea culture is so penetrative that it has been able to bring about development in the form of tea festival, tea tourism, tea folk songs and dances, etc. in the state. An attempt is made in this paper to explore the role of tea plantation and the people associated with it to the socio-cultural transformation of Assam based on both secondary data and primary data through field study. The primary data have been collected from selected tea estates, tea garden worker colonies, tea-tribe villages and urban dwellers.

scholarly journals Kontribusi zakat, infak, sadaqah dan wakaf terhadap civil society (studi kasus di Yayasan Solopeduli Surakarta)

2013 ◽  
Vol 13 (2) ◽  
pp. 198
Author(s):  
Muh Zumar Aminuddin
Keyword(s):  
Civil Society ◽  
Comparative Method ◽  
Fixed Ratio ◽  
Secondary Data ◽  
Primary Data ◽  
Analysis Process ◽  
The Poor ◽  
The Government ◽  
And Gender ◽  
The Impact

This research aims to describe the contributions of zakat, infak, s}adaqah and wakaf (Islamic philanthropy) toward the civil society movements in Indonesia and the problems surrounding it. This study raised the case of Yayasan Solopeduli Surakarta, an Islamic philanthropy management agencies. This research uses the socilogical approache of law. The primary data sources are administrators and managers, and agency activities organized by the Yayasan Solopeduli Surakarta. Secondary data are relevant papers, brochures and dictionaries. Data were collected by interview and observation and documentation. Data analysis was performed with a fixed ratio (constant comparative method) which includes datareduction, categorization and synthesization, as well as the formulation of an answer. In the analysis process, the data are associated with theories of civil society.The findings of this research show that zakat, infak, s}adaqah and wakaf managed by Yayasan Solopeduli Surakarta contributes to the formation of the pillar of civil society and the enforcement of civil society values. Firsly the charity value as showed by existence of the agency that always builds the care spirit of the haves for the poor, as well asby most its programs that offer free service concept, in the field of education, health, and other public service. Secondly, the independence value, especially from the aid of the government. The impact is, thatthe agency moves freely by itself paradigm. Thirdly juctice value as showed by the most programs that support the poor society. However, actually the agency is far from, but doesn’t recognize the civil society discourse as seen by the west. That is why, it doesn’t go along with the contemporery issue of civil society, such as democracy and gender equality. The interpretation of mustahiq surrounds the classic one.

scholarly journals PEMBANGUNAN PULAU HASIL REKLAMASI TELUK JAKARTA DALAM PERSPEKTIF PEMBARUAN AGRARIA

2020 ◽  
Vol 4 (2) ◽  
pp. 255
Author(s):  
Yusuf Saepul Zamil ◽  
Yulinda Adharani ◽  
Siti Sarah Afifah
Keyword(s):  
Development Policy ◽  
Agrarian Reform ◽  
Secondary Data ◽  
The State ◽  
Primary Data ◽  
Reclaimed Land ◽  
Descriptive Research ◽  
The Poor ◽  
Library Research ◽  
Approach Method

<p><strong>ABSTRAK</strong></p><p>Pro kontra mewarnai pembangunan reklamasi pulau di Indonesia, hal ini seperti yang terjadi pada reklamasi teluk Jakarta. Pro kontra ini terjadi karena belum adanya pengaturan yang jelas dan mengatur khusus mengenai reklamasi pulau di Indonesia. Pro kontra ini juga terjadi karena seberapa besar urgensi dilakukannya reklmasi khusunya terkait dengan kebutuhan tanah untuk memenuhi kebutuhan rumah masyarakat dan untuk siapa dirasakan manfaat dari kebijakan pembangunan reklamasi pulau tersebut. Dalam penelitian ini digunakan spesifikasi penelitian deskriptif analitis, dengan metode pendekatan yuridis normatif, yaitu metode pendekatan yang menitikberatkan pada penelitian kepustakaan yang merupakan data sekunder dengan didukung oleh data primer. Pembaruan agraria harus dimaknai adanya keadilan dalam penguasaan dan peruntukkan tanah, lebih jauh reklamasi pulau harus dilaksanakan dalam dalam rangka reforma agraria. Reklamasi pulau dapat dilakukan kalau seandainya tanah hasil reklamasi dibangun dan dikuasai sepenuhnya oleh negara serta diperuntukkan untuk masyarakat tidak mampu yang tidak mempunyai tanah. Hasil penelitian menunjukkan pembangunan reklamasi teluk Jakarta tidak sesuai dengan prinsip-prinsip dalam pembaruan agraria, yaitu pemenuhan kebutuhan tanah untuk masyarakat miskin di ibu kota.</p><p><strong>Kata kunci:</strong> agraria; pembaruan; reklamasi.</p><p><br /><em><strong>ABSTRACT</strong></em></p><p><em>Controversy of coloring the reclamation development of the island in Indonesia, this is like what happened to the reclamation of the bay of Jakarta. This controversy is due to the absence of clear and specific arrangements regarding the reclamation of the island in Indonesia. This controversy is also due to the urgency of reclamation especially in relation to the need of the land to meet the needs of the community homes and for whom the benefits of the island's reclamation development policy will be felt. In this research, it is used analytical descriptive research specification, with normative juridical approach method, that is approach method which focus on library research which is secondary data supported by primary data. Agrarian reform should be interpreted as a justice in the control and designation of the land, further the reclamation of the island must be implemented within the framework of agrarian reform. The reclamation of the island can be done if in case the reclaimed land is built, it is fully controlled by the state and devoted to the landless society. The results show that the reconstruction of the bay of Jakarta is incompatible with the principles of agrarian reform, namely the fulfillment of land needs for the poor in the capital.</em><br /><em></em></p><p><em><strong>Keywords:</strong> agrarian; renewal; reclamation.</em></p>

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