scholarly journals Representation of Indigenous Nationalities and Minorities in Bank and Financial Institutions: A Study of Pokhara

2014 ◽  
Vol 6 ◽  
pp. 51-63
Author(s):  
Jas Bahadur Gurung
Keyword(s):  
Ethnic Groups ◽  
Research Design ◽  
Financial Institutions ◽  
Primary Data ◽  
Muslim Community ◽  
Total Employment ◽  
Male Employee ◽  
Female Employees ◽  
Structured Questionnaire

This study is carried out to explore the inclusive representation of Indigenous Nationalities and Minorities working in Bank and Financial Institutions (BFIs) in Pokhara. Both descriptive and explorative research design has been used in this study. Primary data have been collected constructing a set of well-structured questionnaire and used in this study. Representation of Indigenous Nationalities is poor i.e. only 32.59 percent in the total employment of BFIs. Madheshi represents only 0.62 percent and Dalits 1.62 percent in the total employment. There is no representation at all from Muslim community in BFIs in Pokhara. The representation of male employee is higher than that of female employees in BFIs even within the said ethnic groups. The level of job they employed is mostly lower levels i.e. assistants and other support staffs. DOI: http://dx.doi.org/10.3126/hjsa.v6i0.10688   Himalayan Journal of Sociology and Anthropology Vol.6 2014: 51-63

scholarly journals Using Plastic Money (Cards) in Kathmandu Valley: Users’ Knowledge, Current Use, Challenges and Way-forward

2021 ◽  
Vol 2 (2) ◽  
pp. 102-117
Author(s):  
Niranjan Devkota ◽  
Bikesh Shakya ◽  
Seeprata Parajuli ◽  
Udaya Poudel
Keyword(s):  
Interest Rate ◽  
Research Design ◽  
Financial Institutions ◽  
Nuclear Family ◽  
Credit Cards ◽  
Primary Data ◽  
Kathmandu Valley ◽  
Quick Response ◽  
Descriptive Research ◽  
Structured Questionnaire

This study aims to understand the users’ knowledge about plastic money, its current use, challenges they faced and way-forward. Based on descriptive research design, primary data is used for the purpose as per its suitability. A structured questionnaire has been arranged with the help of KOBO and devised for the information assortments from 404 plastic money users. Results found that people who use plastic money usually work in banks and financial institutions (33.87%) and are from the nuclear family (62.62%), with income between 25001 – 50000 (56%). 95.79 % of the respondents know about plastic money, and 86.3 % have plastic money. 88 % of respondents said they feel safe while using plastic money. 40.72% of respondents have faced challenges and problems while using plastic money. The majority (79.28%) of respondents believed that using the bank's services could be solved. It can be solved by giving training (34.85%), quick response to the problem raised by users (44.32%), update technology (34.47%) and keep a good network in the ATMs (71.79%) and quick solutions to the user's problems (75.76%). This study concludes that hassle-free transactions, a low-interest rate of credit cards, attractive advertisement, and awareness of how plastic money can use help and attract users of plastic money. .

scholarly journals Impact of Family Size and Income on “Spending –Saving” Pattern of Rural Muslim Community

2020 ◽  
pp. 327-335
Author(s):  
Niyaz ◽  
Abbokar Siddiq
Keyword(s):  
Family Size ◽  
Random Sampling ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Stratified Random Sampling ◽  
Muslim Community ◽  
Government Officials ◽  
Savings Behavior ◽  
Structured Questionnaire

This study measures the association of family size and income level on spending and savings habits of rural Muslim households. A well-structured questionnaire was used to collect primary data, which was administered personally to the rural Muslim community in Dakshina Kannada district. A stratified random sampling technique was adopted and secondary data were collected from government officials. The study considered 398 rural Muslim community respondents from five taluks of Dakshina Kannada District. The study found that income and number of dependents in a family play an important role in attributing consumption and savings behavior.

scholarly journals Ethnic Pattern of Mushroom Consumption in Delta State Nigeria

2020 ◽  
Vol 24 (5) ◽  
pp. 735-740
Author(s):  
C.A. Ihayere ◽  
J.L. Igben
Keyword(s):  
Ethnic Groups ◽  
Primary Data ◽  
Natural Production ◽  
Very High ◽  
Structured Questionnaire

This study examines the frequency of mushroom consumption among the various ethnic groups in Delta State, Nigeria. Primary data were obtained from a structured questionnaire administered on a sample of 240 respondents randomly selected from 6 settlements, one each from the six ethnic groups in the study area. The result reveals a variation in the proportion and frequency of mushroom consumption among the various ethnic groups. Urhobo with 12 consumers (30 %) (Very high 1, high 2, Low 3 and very low 6 frequency), Isoko with 14 consumers (35%) (Very high 2, high 4, Low 3 and very low 5 frequency), Itsekiri with 18 consumers (45%) (Very high 0, high 2, Low 4 and very low 12 frequency), Ijaw with 18 consumers (45%) (Very high 1, high 2, Low 4 and very low 10 frequency), Ukwuani with 36 consumers (90%) (Very high 14, high 11, Low 6 and very low 5 frequency), Ibo with 38 consumers (95%) (Very high 17, high 13, Low 6 and very low 2). Mushroom consumption was influenced by the availability of the fungi, which is dependent upon the ecology of the area. Consequently, the study recommends the cultivation of mushrooms to supplement the natural production of the fungi. Keywords: Mushrooms, Mycophagy, Ecology, Delta State

scholarly journals Impact of Covid-19 Crisis on Micro-Enterprises: A Study of Lunglei Mizoram

2021 ◽  
Vol 6 (1) ◽  
pp. 27-35
Author(s):  
R. Lalngaihsaki ◽  
R. Lalnunthara
Keyword(s):  
Financial Institutions ◽  
Secondary Data ◽  
Primary Data ◽  
Working Capital ◽  
Society Business ◽  
The World ◽  
The Government ◽  
The Impact ◽  
Micro Enterprises ◽  
Structured Questionnaire

Covid-19 pandemic has impacted the society, business and economy around the world. The present study is conducted to understand and analyse the impact of Covid-19 crisis on micro-enterprises in Lunglei, Mizoram. For the purpose of the study, 80 micro-enterprises were selected as sample. Primary data were collected by using the structured questionnaire. Secondary data were collected through journals, books and websites. The study reflected that 80% of the enterprises’ revenue were negatively impacted by the pandemic. 58.75% of the enterprises were facing the problems in making obligatory payments such as salaries, wages, rent, taxes, loans etc due to the Covid-19 crisis. The present study also revealed that 28.75% of the enterprises’ working capital were already negative to run the enterprises if Covid-19 crisis continues. Therefore, the study recommended that the government, banks and financial institutions would take steps to alleviate the impact of Covid-19 crisis on the micro-enterprises by providing low interest loans, relaxation of the loan payment, new schemes for entrepreneurs.

Over-Indebtedness in Nepalese Microfinance Institution – A Study of Clients of Nirdhan Utthan Bank

2018 ◽  
Vol 7 (4) ◽  
pp. 1
Author(s):  
Soni Sahani ◽  
Sundip Bansal ◽  
Kalpana Sahani ◽  
Nitesh Khatiwada ◽  
Jeevan Kumar Bhattarai
Keyword(s):  
Research Design ◽  
Primary Data ◽  
Chi Square ◽  
Family Obligation ◽  
Face To Face ◽  
Microfinance Institution ◽  
Chi Square Test ◽  
Analytical Research ◽  
Cross Tabulation ◽  
Structured Questionnaire

This paper analyses the over-indebtedness of micro-borrowers of Nirdhan Utthan Bank in Birgunj, Nepal. Descriptive analytical research design is attempted to explore the scenario of factor of over-indebtedness and impact of multiple borrowing. The research is primary data based on 150 sample respondents from Birgunj and convenient and structured questionnaire had been used to collect response of the respondents and data was collected through face to face interview with the clients. In this study majority of the clients are involved in multiple borrowing 82 %, it finds that loss of income and multiple borrowing is the major factor that leads to over-indebted. The paper also shows the association between factors of over-indebtedness and multiple borrowing and how frequently micro-borrower repeats them and for this cross tabulation analysis and chi-square test was used to analyze the data. The results show that over-indebtedness is significantly associated with multiple borrowing. The risk of over-indebtedness further increases with the occurrence of multiple borrowing. Results show that small size of loans issued by MFIs and needs of the clients was one of the major reasons for multiple loans contracts. Other reasons for multiple borrowing include family obligation, loan recycling, and relaxed or simple loan procedures, and influence from friends who are taking multiple loans, delayed loan disbursement from the MFIs in which the client first applied.

Effects of Financial Innovations on Profitability for Deposit Taking Microfinancing Institutions in Kenya

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  
Keyword(s):  
Financial Institutions ◽  
Positive Relationship ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Statements ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Financial Innovations ◽  
Strong Positive Relationship

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.

Application Of Technology Acceptance Model Of Unified Payment Interface Services Adoption In Mysuru City: An Exploratory Study

2019 ◽  
Vol 118 (6) ◽  
pp. 25-35
Author(s):  
Vinay S
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Banking Sector ◽  
Primary Data ◽  
Equation Modeling ◽  
Security Issues ◽  
Acceptance Model ◽  
Structured Questionnaire

Continuous development of technological innovations especially in the banking sector have stirred competition which has changed the way businesses operate resulting in the introduction of Unified Interface Payment (UPI) services. This study was conducted in order to analyse the adoption of UPI services through Technology Acceptance Model (TAM) in Mysuru. Objectives of study were framed to determine the demographic factors that influence the practices of UPI by the customers, to examine the role of banks in integrating UPI services and products and to assess the various security issues affecting the usage of UPI services by Mysuru customers. Based on these objectives a structured questionnaire was prepared and primary data was collected from 165 respondents. Data was analysed making use of SPSS and other models namely Structural Equation Modeling with Analysis of Moment Structures (AMOS) Software. Finally the researchers identifies that there is a need for convergence of customer’s preference for safe and easy banking transactions. This study revealed that the customer’s model have to be well integrated for progress in UPI operations.

Professional Stress among Junior Commissioned Officers and Non Commissioned Officers of Indian Military Intelligence – A Case Study

GIS Business ◽  
2019 ◽  
Vol 14 (6) ◽  
pp. 133-145
Author(s):  
Dr. S. S. Nirmala ◽  
Dr. N. Kogila ◽  
T. Porkodi
Keyword(s):  
Factor Analysis ◽  
Correlation Matrix ◽  
Null Hypothesis ◽  
Primary Data ◽  
Questionnaire Data ◽  
Military Intelligence ◽  
Sphericity Test ◽  
Professional Stress ◽  
Structured Questionnaire

The present study is focusing on the professional stress on organisation among the Junior Commissioned Officers (JCOs) and Non-Commissioned Officers (NCOs) of Indian Military Intelligence. 384 samples of Military Intelligence personnel will be taken for this study. Sources of data is Primary data include a structured questionnaire. Data was collected through structured questionnaire and measure through Likert’s scale, using KMO measure of sampling adequacy, Cronbach’s alpha for checking internal consistency, Bartlett sphericity test for testing the null hypothesis and various factor analysis including Eigenvalues, Extract square Sum loading, variance percent and Accumulation percent values relative comparison and Correlation matrix will be used as tools to arrive at desired results and statistical interpretations. The hypotheses put for test and the resultant values at 0.01 and 0.05 (for different factors) clearly indicated that there is an existence of association between different level of cadres and professional stress among personnel of Indian Military Intelligence. The authority who can formulate the rules and regulations and binding them on the lower cadres and professions to accept and adopt.

“A Study on the Influence of Rewards on Job Satisfaction With Special Reference to Education Industry in Oman”

2019 ◽  
Vol 118 (1) ◽  
pp. 114-124
Author(s):  
Mrs Nithya Sambamoorthy ◽  
Mr Subhash Kodiyil Raman ◽  
Mr Bhraguram Thayyil
Keyword(s):  
Job Satisfaction ◽  
Special Reference ◽  
Secondary Data ◽  
The Other ◽  
Primary Data ◽  
Other Hand ◽  
Education Industry ◽  
College Of Technology ◽  
Main Factors ◽  
Structured Questionnaire

This research is an examination and a study on the influence of rewards on job satisfaction of lecturers at Shinas College of Technology (ShCT). In academic industry, rewards are one of the factors that affecting job satisfaction of the employees and this will lead to affect their performance in their jobs. So, when rewards are more the job satisfaction will be high and when rewards are less the job satisfaction will be less. On the other hand, the age will not affect the job satisfaction. Previous research reveals that Job satisfaction is very important to success the industry and the rewards are the main factors which affect job satisfaction. The main purpose of this study is to know the influence of rewards in job satisfaction among the lecturers in ShCT. Moreover, this research attempts to identify how much rewards affect the job satisfaction in ShCT.  For this study used two types of data which are: primary data and secondary data. The sources of primary data is the response from lecturers at ShCT. It is collected through structured questionnaire and distributed such to 60 respondents. Secondary data, collected from internet, books, journals, articles etc.

The Impact of Demographic Factor on Consumer Buying Behaviour: A Study of Retail Sector in Delhi NCR

2015 ◽  
Vol 3 (1) ◽  
Author(s):  
Shamsher Singh ◽  
Ameet Sao
Keyword(s):  
Sampling Method ◽  
Primary Data ◽  
Survey Method ◽  
Retail Sector ◽  
Demographic Shift ◽  
Customer Perception ◽  
Shopping Experience ◽  
Buying Behaviour ◽  
The Impact ◽  
Structured Questionnaire

The retail sector is growing a faster pace in India due to demographic shift in population and growing middle class. It is an opportunity for both organized and unorganized sectors. The purpose of this article is to study the customer perception and shopping experience about organized and unorganized retailing with special reference to Delhi and NCR and find out whether the preferences for organized and unorganized retailing are dependent or independent demographic characteristics of consumers. The study has used the primary data collected from 200 respondents through survey method using structured questionnaire. Convenient sampling method was used during the

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