scholarly journals Does program linking with insurance makes agriculture insurance sustainable?

2018 ◽  
Vol 1 (1) ◽  
pp. 6-20
Author(s):  
Krishna P. Timsina ◽  
Yuga N. Ghimire ◽  
Ghanshyam Kandel ◽  
Deepa Devkota

Agriculture insurance is most common forms of risk transfer in agriculture. It is often compulsory for borrowers of agricultural loans in low and middle income countries. This study tries to find out the status of compulsory agriculture insurance in Nepal and its sustainability through answering question “are compulsory agriculture insurance programs making agricultural insurance sustainable? Or we have to think differently for its sustainability. Household survey were conducted using pre-tested semi structured questionnaire in eight districts. Altogether 377 insurer farmers (132 crop and 245 livestock farmers) were selected from the list of target population using simple random sampling technique. Similarly, five cases were selected from the study districts. Result shows that Government of Nepal (GoN) has developed both cost of production and value based insurance products based on farmers demand. Basically, premium rate is fixed as five percent to cost of production based and seven percent to value based insurance for most of crops and livestock. Different governments programs such as youth self-employment program, youth focused program, spring rice promotion program and other grant/subsidy programs under different mega projects of GoN have started to link agriculture insurance with their programs. Insurance has been made mandatory to get such any subsidy support from the government for promoting agriculture insurance simultaneously. However, this study found that this strategy did not adequately work. But if they feel the enterprises is risky and realize the importance of agriculture insurance and can get higher returns from the enterprises, they were willing to participate in agriculture insurance. Most of farmers who participated in government grant program have limited understanding of crop insurance so that they have discontinued insurance after the end of grant/subsidy program. Therefore, it is necessary to revisit the existing provision of grant linked insurance and need to focus more on creating awareness on importance of agriculture insurance for its sustainability.

2019 ◽  
Vol 6 (12) ◽  
pp. 60-75
Author(s):  
GIVEMORE SHONHAYI

The gist of this study was to explore language as a tool for religious leaders in preventing and countering radicalisation and religious extremism among the youth.  This study emphasised on language an indispensable tool that religious leaders can use in curbing this recruitment which has claimed lives and has had economic repercussions. The study specifically assessed the collaboration between the Government of Kenya (GoK) and religious leaders in Eastleigh towards countering radicalisation and religious extremism among the youth and it proposes a common discourse that religious leaders could use in preventing radicalisation and religious extremism of the youth. The study was anchored by the Social Movement Theory (SMT). The target population comprised of the religious leaders, security operatives and youths in Eastleigh. The study implored simple random sampling technique. In total a sample of 100 respondents were randomly selected from the study site. The researchers collected primary data from the respondents by administering questionnaires (to the youth) and interview schedules on religious leaders and the security personnel. The data was analysed using quantitative and qualitative techniques. Quantitative data was analysed using Statistical Package for Social Sciences (SPSS) version 23 program while qualitative was analysed through narrative descriptions. The study findings established that among many other tools and means, language is key in curbing youth radicalisation and religious extremism. It also revealed that the Government of Kenya should directly engage the religious leaders on matters prevention of youth radicalization and religious extremism. The youth bemoaned lack of employment and political participation as the factors that pull them to radicalisation and religious extremism. They also want to be fully engaged in occasions where language is used between the GoK and Religious leaders.


2021 ◽  
Vol 3 (1) ◽  
pp. 116-129
Author(s):  
Beatrice Ngeno ◽  
Teresa Mwoma ◽  
Maureen Mweru

Competence based curriculum have faced criticism from educationalist based on its tasking and resistivity to change. However, in Canada, Scotland and Finland its implementation has be stunning. The stakeholders in Kenya has raise concern about their preparedness coupled with criticism from section of the government complaining on lack of involvement of stakeholders. The objective of the study was to establish whether teachers’ attitude influences the implementation of the competence-based curriculum. Social constructivism theory was adopted. A descriptive survey design and correlation research design were adopted for the study. The target population of the study included 24 County support Officers (CSOs’), 52 headteachers, and 610 Grade 1 teachers. The sample size was 6 CSOs, 52 Headteachers, and 61 Grade 1 teachers. A saturated sampling technique was used to select all the 52 headteachers from 52 schools. Simple random sampling was used to select the schools and CSOs. A purposive sampling technique was used to select Grade 1 teachers in Kericho County. Data was collected using interview schedules, questionnaires, and an observation schedule. Quantitative data were analysed using descriptive statistics in the form of percentages, means, and standard deviation, while inferential statistics were correlated using Pearson product-moment correlation. Qualitative data were analysed thematically. The attitude of teachers had a positive impact on CBC implementation, with a correlation of 0.560 and a calculated value of 0.00 for the headteachers and 0.284 with a calculated value of 0.032 for Grade 1 teachers. The results of this study are important for the successful adoption of the competency-based program through the participation of education stakeholders.


2020 ◽  
Vol 24 (4) ◽  
pp. 189-194
Author(s):  
Wasim Khan ◽  
Salahuddin Khan ◽  
Tasleem Arif ◽  
Sohail R. Khan

Background and Study Aim: The main purpose behind the study was to establish the challenges in relation to the acquisition of life skills among university student-athletes of Khyber Pakhtunkhwa. The study assessed the extent to which the concern existing resources, facilitators, and trainer attitude influences life skills acquisition among student-athletes. Material and Methods: Descriptive survey research design was followed to obtain desirable results. The target population of this study consisted of all those who participated in different sport at the university level of Khyber Pakhtunkhwa (KP), Pakistan. Amongst them, we selected a representative sample (n=389 fifty 50% of the total population) with the help of a simple random sampling technique. The Statistical Package for Social Sciences (SPSS) version, 24 was used to code and analyse the data. The hypotheses were tested by applying statistical tests like Step-wise regression and independents sample t-test. The significance level of 0.05 was fixed to accept or reject the set hypotheses. Results: Findings of the study indicated that existing resources, facilitators, and trainer/coach attitude significantly influences life skills acquisition among student-athletes (.001, .001 & .000 < .05). The analysed data revealed no significantly difference regarding extent to which specific challenges such as existing resources, facilitators, and trainer attitude influences the acquisition of life skills (.500, .133 & .149 > .05). Conclusions: The findings of the study revealed that all participants have agreed upon the importance of life skills. Therefore, the life skills course might be considered as an integral part of every educational curriculum of Pakistan. It is suggested that a minimum of 2 hours per week may be included in the educational curriculum of each discipline.


2017 ◽  
Vol 2 (3) ◽  
pp. 1
Author(s):  
Bernard Mulandi ◽  
Dr. Sifunjo Kisaka

Purpose: The purpose of this study was to determine the factors influencing credit access for firms in the biogas sub sector in Kenya.Methodology: The study adopted descriptive survey. The target population of the study was the firms in biogas sub sector in Kenya. A sample of 40 firms was selected from all the firms using the random sampling technique. Both qualitative and quantitative data was collected using a questionnaire that consisted of both open ended and close ended questions. Data was analyzed using Statistical Package for Social Sciences (SPSS) and results presented in frequency tables to show how the responses for the various questions posed to the respondents. The data was then analyzed in terms of descriptive statistics like frequencies, means and percentages.Results: The study findings revealed that firms in biogas sub sector had low access to credit from the banks. It was also possible to conclude that age of firm, capital invested, size of the business, financial records, risk preference and access to information influence the level of access to credit by renewable energy sector firms.Policy recommendation: It is recommended that micro financing institutions should regulate the products and services they offer to SMEs so as to have all clients enclosed in their loan portfolio. The study further recommends that banks should work hand in hand with the government to support upcoming businesses and offer financial support.


AdBispreneur ◽  
2021 ◽  
Vol 6 (1) ◽  
pp. 67
Author(s):  
Candradewini Candradewini

The tourism business is one of the mainstays of West Bandung Regency. One of them is the Cihideung agro-tourism area. This potential agro-tourism area requires cooperation from various related parties in order to develop better. This study aims to determine and analyze the factors that affect the partnership effectiveness in developing the Cihideung agro-tourism area. This research method uses a quantitative approach to the type of survey research. The target population in this study are the parties who partner in the development of the Cihideung agro-tourism area, West Bandung Regency. The sample size in this study was 45 people obtained by the simple random sampling technique. Data collection techniques by means of field studies, interviews and literature studies. The data were processed using Exploratory Analysis Factor (EFA). The results showed that the factors that affect the partnership effectiveness in developing the agro-tourism area of Cihideung, West Bandung Regency are Vision and Communication, Commitment and Partners, Vision of Partnership, Data Integration, Incentives and Information, Results and Progress, Joint Ownership and Outcome Accountability. A total of 2 factor points from which must be reduced from 26 factor points so as to produce 24 factor points that are truly dominant and form the effectiveness of the partnership. Overall, the partnership effectiveness was in the high category with an average score of 3.95. Vision and Communication factor is the most dominant factor, which is equal to 40.142%. Bisnis pariwisata merupakan salah satu andalan Kabupaten Bandung Barat. Salah satunya adalah kawasan agrowisata Cihideung. Kawasan agrowisata potensial ini memerlukan kerjasama dari berbagai pihak terkait agar berkembang lebih baik. Penelitian ini bertujuanuntuk mengetahui dan menganalisis faktor-faktor yang mempengaruhi efektivitas kemitraan pengembangan kawasan agrowisata Cihideung. Metode penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian survei. Target populasi dalam penelitian ini ialah para pihak yang bermitra dalam pengembangan kawasan agrowisata Cihideung Kabupaten Bandung Barat. Ukuran sampel pada penelitian ini adalah 45 orang yang didapatkan dengan teknik Simple Random Sampling. Teknik pengumpulan data dengan cara studi lapangan, wawancara dan studi literatur. Data diolah menggunakan Exploratory Analysis Factor (EFA). Hasil penelitian menunjukkan bahwa faktor-faktor yang mempengaruhi efektivitas kemitraan pengembangan kawasan agrowisata Cihideung Kabupaten Bandung Barat adalah Visi dan Komunikasi, Komitmen dan Mitra, Visi Kemitraan, Integrasi Data, Insentif dan Informasi, Hasil dan Kemajuan, Kepemilikan Bersama dan Akuntabilitas Hasil. Sebanyak 2 butir faktor dari yang harus direduksi dari 26 butir faktor sehingga menghasilkan 24 butir faktor yang benar-benar dominan dan mempengaruhi efektivitas kemitraan. Secara keseluruhan, efektivitas kemitraan berada dalam kategori tinggi dengan nilai rata-rata sebesar 3,95. Faktor Visi dan Komunikasi merupakan faktor yang paling dominan yaitu sebesar 40,142%.


2020 ◽  
Vol 2 (3) ◽  
pp. 92-99
Author(s):  
Muhammad Erfan ◽  
Mahlia Muis ◽  
Andi Ratna Sari Dewi

This study aims to analyze (i) the effect of information technology variables on job satisfaction; (ii) the effect of competency variables on job satisfaction; (iii) the effect of information technology variables on work productivity; (iv) the effect of competency variables on work productivity; (v) the effect of job satisfaction variables on work productivity; (vi) the influence of information technology variables on work productivity through job satisfaction variables; and (vii) the effect of competency variables on work productivity through job satisfaction variables. The quantitative approach is used to test and analyze the factors that influence job satisfaction and work productivity. Research location at Hasanuddin University, Makassar City. The population in this study were Unhas employees with the status of ASN (State Civil Apparatus) as many as 935 people. The sampling method uses probability sampling with a simple random sampling technique. Withdrawing the number of samples using the Slovin formula, which produces 90 people as a minimum number. Data collection techniques using a questionnaire with a measurement scale used is a Likert scale with five components. Data analysis techniques in this study used path analysis. The results showed that information technology and competency variables significantly influence job satisfaction and work productivity. Information technology and competence have a significant effect on work productivity through job satisfaction variables. All hypotheses are accepted and supported by previous research.


Author(s):  
Neni Marlina Br Purba ◽  
Dian Efriyenty

Tax reporting is the responsibility of taxpayers after making tax payments. The mismatch between the number of registered taxpayers and the number of taxpayers who report taxes is a separate problem for the government in managing the tax results received. Where the number who report taxes is very small compared to the number of registered taxpayers. Based on these problems, the purpose of this study is to determine the factors that influence individual taxpayer reporting compliance. The population used by all individual taxpayers who are registered at KPP Pratama Batam Selatan. While the sample was taken through simple random sampling technique with the Slovin formula so that the sample used was 100 respondents. Data analysis techniques are data instrument test, classical assumptions, descriptive analysis and hypothesis testing with the help of SPSS. The results obtained, partially the application of e-filling and tax sanctions has a significant effect on tax reporting compliance while tax awareness and understanding have no significant effect. The f test results show that all the independent variables simultaneously have a significant effect on the dependent variable.


Author(s):  
Alade E. Ilori ◽  
Bulus A. Sawa ◽  
Abdullahi A. Gobir

The contributions of fire disaster to the varying degrees of students’, staff and schools’ property and/or lives lost in secondary schools in Nigeria is recently alarming. The study assessed causes of fire disaster in public and private secondary schools in Ilorin metropolis, Nigeria. The objectives were to identify latent causes of fire disaster, use the fishbone diagram to illustrate and analyze the root-causes of fire disaster in secondary schools. The exploratory research strategy was used. The target population was 18 senior public and private secondary schools, Ilorin having 18 principals, 965 teachers and 3765 senior secondary 2 students. From the target population, simple random sampling technique through a pick and not-return balloting was employed to sample 72.22% of the principals, 14.8% each of the teachers and students. Data were collected through in-depth interviews, questionnaire, participatory observation, and were analyzed using cause-and-effects-analysis. The findings reveal fire disasters in public and private secondary schools in Ilorin metropolis are primarily caused by bush/waste burning, electrical fault/wiring, arson,  carelessness, and alcohol, smoking. Results also showed that the root-causes of fire phenomenon from the classic categories were setting undergrowth on fire, non-insulated wiring system and sparks from wrong connections, emotional induced from cultism rivalry among male teachers and students over a girl and superiority within and outside the school, mishandling of chemicals in various laboratories during experimentation, and lack of proper fencing of school compound. The study recommends that schools in the metropolis should prepare and anticipate future fire tragedy. Consequently, since there are several factors responsible for fire incidents, further studies could be conducted to clarify the sequence or magnitude of each cause of the fire outbreak.


Author(s):  
Usha Rani S. Padmanabha ◽  
Maheswaran R. ◽  
Shwetha Hiremath ◽  
Puneeth N. ◽  
Renuka Prithviraj

Background: Globally, around 425 million adults are victims of diabetes with increased prevalence being noted in low and middle income countries. Diabetes was seventh leading cause of death leading to 1.6 million deaths in 2016 (WHO report). Management of diabetes is multifaceted which includes diet, physical activity, screening for complications and medications. Adherence to pharmacotherapy plays an important role in glycemic control. Hence, this study was done to assess the magnitude of treatment adherence and its associated factors among type 2 diabetics.Methods: A community based study was done on patients with type 2 DM in the rural and urban population of Bengaluru. A simple random sampling technique was followed. Medication adherence was assessed using 8 item Morisky's treatment adherence scale.Results: A total of 250 subjects were interviewed, among them 59% were male and 41% were female. The mean age of the subjects was 60.93±10.1 years. The mean treatment adherence scores was 25.9±3.1 years. Among the 250 diabetics, 62% were adherent and 38% were non adherent to anti diabetic medications. Forgetfulness to take medications was one of the reasons for non-adherence with mean scores of 3.12+0.6.Being illiterate, labourers, aged above 60 years, obesity, frequency and multiple dosage was found to be significant factors for non-adherence (p<0.05).Conclusions: Adherence to anti diabetic drugs was found to be 62%. Increased age, illiteracy, occupation, BMI, frequency and multiple doses of drugs were significant factors responsible for medication non adherence. There is a need for reinforcement of health education and motivation for diabetics to improve their medication adherence.


2019 ◽  
Vol 40 (3/4) ◽  
pp. 142-154 ◽  
Author(s):  
Josephine Orayo ◽  
Jane Maina ◽  
Jotham Milimo Wasike ◽  
Felicitas Ciabere Ratanya

Purpose The purpose of this paper is to provide an analysis of the customer care practices at the University of Nairobi, Jomo Kenyatta Memorial Library (JKML), Kenya. Design/methodology/approach A descriptive research design was used. Simple random sampling technique was used to derive at an appropriate sample from the target population. A structured questionnaire and face-to-face interview was used to collect both quantitative and qualitative data. A total of 384 questionnaires were distributed to students and library staff. Face-to-face interview was conducted among five section heads. Data were analyzed using Microsoft Excel and presented in tabulated summaries and figures. Findings JKML had not only put in place customer care practices but had also provided reliable services with notable professionalism among staff. Users were satisfied with the attention and information resources provided. Challenges encountered related to inadequate ICT infrastructure, lack of a written policy, lack of customer care skills among library staff and lack of managerial support. The study recommended inclusion of customer care in the mainstream of the strategic plan of the university. Research limitations/implications The major implication for this study is that sustainable customer care self-assessment needs to be explored in national and private libraries in Kenya. Practical implications This study provides a significant practical outlook on marketing-savvy approaches toward customer care and efforts made toward the achievement of the goals of the university. Originality/value This study provides insights on good practices on customer care which can be emulated by other academic libraries and adds value to the knowledge base.


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