scholarly journals Impact of Micro-Finance Intervention on Livelihood Status of Women Households

2018 ◽  
Vol 11 (1) ◽  
pp. 45-56
Author(s):  
Ramkrishna Chapagain ◽  
Pradeep Sapkota ◽  
Mukta Raj Gautam
Keyword(s):  
Rural Areas ◽  
Positive Impact ◽  
Capital Expenditure ◽  
Occupational Status ◽  
Positive Association ◽  
T Test ◽  
Primary Data ◽  
Metropolitan City ◽  
The Impact ◽  
Status Of Women

This study attempts to examine the impact of micro finance intervention on the livelihood status of the women households. With the purpose of measuring the impact of micro-finance, 60 non-intervened and the rest 60 intervened respondents having minimum five years attachment with Chhimek Laghubitta Bittiya Sanstha Limited established in the rural area of Pokhara Metropolitan City and nearby VDCs has been selected. Primary data were collected by a semi-structured questionnaire, and both qualitative and quantitative data were used to assess the impact of micro-finance intervention. The study is based on the interventional research design and used randomized control trial approach. Respondents were selected through stratified random sampling. The collected data were analyzed by using parametric (t-test) and non-parametric (Chi-square test) test. The findings of the research show that micro-finance intervention has positive impact on income level, consumption expenses, capital expenditure and savings. The research also shows that micro-finance intervention has positive association with occupational status and micro enterprise creation. One sample t-test on respondent’s rating indicates that micro finance has reached to the remote areas, enhances financial inclusion, facilitates to poverty reduction and ultimately increases the livelihood status of women of rural areas of Pokhara Metropolitan City and nearby VDCs.

scholarly journals Microfinance Intervention and Livelihood Status: A Case of Gramin Bikash Bank Limited

2018 ◽  
Vol 9 ◽  
pp. 62-72 ◽  
Author(s):  
Ramkrishna Chapagain ◽  
Rishikesh Aryal
Keyword(s):  
Rural Areas ◽  
Randomized Control Trial ◽  
Capital Expenditure ◽  
Occupational Status ◽  
Consumption Expenditure ◽  
The People ◽  
Randomized Control ◽  
The Impact ◽  
Enterprise Creation ◽  
Status Of Women

 This paper attempts to focus on the impact of micro finance intervention on livelihood status of the people taking samples of 60 respondents of microfinance intervened and 60 non intervened population of Grameen Bikash Bank which lies on remote area of Pokhara, Leknath Metropolitan city and nearby VDCs. The study is based on the randomized control trial approach and data were collected through researcher administered questionnaire. Respondents were taken through stratified sampling. The research finds that microfinance intervention has association with occupational status, micro enterprise creation, frequency of loan taken and occupational change. Independent sample t-test shows micro finance intervention increases income level, capital expenditure, consumption expenditure and saving. The regression analysis shows that micro finance intervention changes the livelihood status of women of rural areas of Pokhara Municipality and nearby VDCs. The Sapta Gandaki JournalVol. IX, 2018 Feb. Page: 62-72

scholarly journals Effectiveness of Micro-Credit Programs in Socio-Economic Development: A Study on Selected NGOs in Bangladesh

2020 ◽  
pp. 49-61
Author(s):  
Touhidul Islam ◽  
Dr. Razu Ahmed ◽  
Kohinur Aktar
Keyword(s):  
Economic Development ◽  
Positive Impact ◽  
Multinomial Logistic Regression ◽  
Occupational Status ◽  
Primary Data ◽  
Chi Square ◽  
Non Governmental Organizations ◽  
Socio Economic Development ◽  
The Impact ◽  
Micro Credit

Non-governmental Organizations (NGOs) evolved in Bangladesh with the commitment of bringing positive social change and attaining balanced socio-economic development through the disbursement of micro-credit among the marginal people in society. The main intention of the study is to assess the impact of micro-credit on the overall socio-economic development of micro-credit receivers. The Chi-square (χ2) and Multinomial Logistic Regression techniques have applied on primary data collected from 260 beneficiaries of micro-credit of ASA and BRAC NGOs in the Mymensingh district of Bangladesh. The χ2 analysis shows that the amount of micro-credit taken has a significant positive impact on respondents’ type of home, sanitation facilities, ownership of other household assets, health service received, yearly income, expenditure, and savings, and participation in family’s decision making, whereas an insignificant relationship is observed for occupational status, children education, ownership of land and livestock, sources of drinking water, economic solvency, and social status of the respondents.

scholarly journals Impact of Microcredit on Living Standard of Dairy Entrepreneurs: Special Focus on Oddusuddan DS Division in Mullaitivu District

2019 ◽  
Vol 3 (2) ◽  
pp. 43-48
Author(s):  
Saseela Balagobei ◽  
Sankeetha Aravinthakumar
Keyword(s):  
Quantitative Analysis ◽  
Low Income ◽  
Rural Areas ◽  
Positive Impact ◽  
Primary Data ◽  
Living Standard ◽  
Poor People ◽  
Special Focus ◽  
The Impact ◽  
Micro Credit

Microcredit is part of micro finance, which provides a wider range of financial services for low income people. Micro credit serves as a vital role for Living standard of poor people in the developing countries as well as in Sri Lanka. In this Study Oddusuddan DS division in Mullaitivu district was selected as research area. After the 30 years conflict situation most people in the Oddusuddan area in Mullaitivu district are subordinate to the poverty line, because most of the displaced people who are female other than male staying here. Women lost their male relatives in struggle, and forced to take a responsibility of their family in order to look after their children, aged parents and their male relatives.  Micro credit helps the poor people particularly women in effective ways in order to create income generating activities.  The prime objective of this study is to investigate the impact of Microcredit on living standard of dairy entrepreneurs in Oddusuddan DS division in Mullaitivu District. In the rural areas of Mullaitivu, Oddusuddan Divisional Secretariat Divisions 100 dairy entrepreneurs were selected as the sample size of population. The selected entrepreneurs who have received loan from samurdhi bank for dairy farming activities in Oddusuddan DS Division. Primary data were used for gathering information and quantitative analysis was carried out to find out the results. In the quantitative analysis the correlation and regression methods were employed to examine the hypotheses by using SPSS. The result of this study concluded that there is a positive impact of samurdhi micro credit on living standard of dairy entrepreneurs in Oddusuddan DS Division. In addition to this, using micro credit facilities create more job opportunities and variety of economic activities and improve household education, income, saving and heath condition of the people. The study recommends that micro credit institution should consider improve the living standard of dairy entrepreneurs through increase the loan amount with lower interest rate.

scholarly journals Zakat Impact on Poverty and Welfare of Mustahik: A CIBEST Model Approach

2017 ◽  
Vol 1 (01) ◽  
pp. 1
Author(s):  
Irfan Syauqi Beik ◽  
Caesar Pratama
Keyword(s):  
Rural Areas ◽  
Poverty Alleviation ◽  
Positive Impact ◽  
Primary Data ◽  
Poverty Index ◽  
Absolute Poverty ◽  
Welfare Index ◽  
The Impact ◽  
Model Approach

<p>This research aims to analyze the impact of productive zakat program in poverty alleviation of mustahik households, based on materially and spiritually aspects. Primary data was used as the source of data through distributing administered questionnaires in four rural areas in Bogor Regency. 121 respondents had been interviewed. They were the recipients of Masyarakat Mandiri program of Dompet Dhuafa Amil Institution. CIBEST model which have been developed by Beik dan Arsyianti (2014) was used as the tool of analysis. CIBEST model comprising four indices is used as tool of analysis. These indices are welfare index, material poverty index, spiritual poverty index and absolute poverty index. It is found that the presence of zakat utilization program is able to increase welfare index of the mustahik by 147.14 percent. The material poverty index, spiritual poverty index and absolute poverty index can also be reduced by 49.6 percent 1.6 and 12.3 percent, respectively. Meanwhile, welfare index increase by 63.7 percent. In conclusion, productive zakat program give positive impact to the mustahik household life.</p><p><br />Keywords: CIBEST model, Islamic poverty index, poverty, productive-based zakat program</p>

scholarly journals The Impact of Guided Inquiry Learning with Digital Swing Model on Students’ Generic Science Skill

2020 ◽  
Vol 9 (4) ◽  
pp. 554-560
Author(s):  
N. Khoiri ◽  
C. Huda ◽  
A. Rusilowati ◽  
W. Wiyanto ◽  
S. Sulhadi ◽  
...  
Keyword(s):  
Industrial Revolution ◽  
Positive Impact ◽  
Inquiry Learning ◽  
T Test ◽  
Primary Data ◽  
Guided Inquiry ◽  
Test Analysis ◽  
12Th Grade ◽  
Set Up ◽  
The Impact

The low condition of students’ Generic Science Skills (GSS) becoming a concern since GSS is an essential provision for millennial living in the era of the industrial revolution 4.0. The study aimed to measure the impact of guided inquiry learning on generic science skills by using the digital swing model. This research used the experimental method which involved 360 students of 12th grade from senior high school. The primary data of students’ GSS were obtained from observations during activities and reports of practicum activities, then the resulting data were analyzed by t-test. The average of students’ GSS in the experimental class was 3.32, which is included in the very good category. Meanwhile in the control class was 3.17, which is included in the good category. Based on the results of the t-test analysis, the score was 0.044, which means that there were differences between the experimental class and the control class. Thus, it can be concluded that the use of digital swing has a positive impact on students’ GGS. The use of digital swing could stimulate the students to do the practicum activities which leads to the improvement of student’s GGS. However, this study is only focusing on the smaller angle; therefore, it is crucial for further research to set up the digital swing with the angle >15° to identify the effect on it.

scholarly journals Impact of Electricity Service on Performance of Microenterprises of Rural Entrepreneurs in Ogun State, Nigeria

2019 ◽  
pp. 1-10
Author(s):  
Emilola Cecilia Olanrewaju
Keyword(s):  
Rural Communities ◽  
Power Supply ◽  
Rural Areas ◽  
Positive Impact ◽  
Sampling Procedure ◽  
Primary Data ◽  
Alternative Source ◽  
Power Outage ◽  
Ogun State ◽  
The Impact

The expansion of microenterprises in rural areas is linked with the increase in access and use of electricity services, leading to changes income. However, there is little empirical evidence to underpin the mechanisms that lead from energy supply to profit generation among rural entrepreneurs. To this end, this study analyzed the impact of electricity service on performance of microenterprises of rural entrepreneurs. Primary data were used for this study. Data were collected using questionnaires from a sample of 150 rural entrepreneurs engaged in various microenterprise economic activities from Odeda Local Government Areas of Ogun State in a three-stage sampling procedure. The data collected were analyzed using descriptive statistics, logit model and ordinary regression analysis. The result shows that hair dressing and retail shop were the most common form of businesses followed by grain milling, tailoring, welding, relaxation sports centre and cassava processing.  In addition, the result reveals that age, years of schooling, nature of business, monthly expenditure on alternative source of power and duration of power outage supported the microenterprise owner decisions to connect to grid electricity service. Also power outage duration and billing method negatively affected firms’ profitability. On other hand durations of power supply and expenditure on alternative power supply significantly has a positive impact on the profitability of microenterprise. The study therefore recommends that government should intensify action in providing rural communities with reliable and affordable electricity services.

The Impact of Shariah Governance and Corporate Governance on the Risk Management Practices: Evidence from Local and Foreign Islamic Banks in Malaysia

2018 ◽  
Vol 15 (2) ◽  
pp. 1-20
Author(s):  
Sabri Embi ◽  
Zurina Shafii
Keyword(s):  
Risk Management ◽  
Corporate Governance ◽  
Management Practices ◽  
Principal Component ◽  
T Test ◽  
The Body ◽  
Primary Data ◽  
Islamic Banks ◽  
Shariah Governance ◽  
The Impact

The purpose of this study is to examine the impact of Shariah governance and corporate governance (CG) on the risk management practices (RMPs) of local Islamic banks and foreign Islamic banks operating in Malaysia. The Shariah governance comprises the Shariah review (SR) and Shariah audit (SA) variables. The study also evaluates the level of RMPs, CG, SR, and SA between these two type of banks. With the aid of SPSS version 20, the items for RMPs, CG, SR, and SA were subjected to principal component analysis (PCA). From the PCA, one component or factor was extracted each for the CG, SR, and RMPs while another two factors were extracted for the SA. Primary data was collected using a self-administered survey questionnaire. The questionnaire covers four aspects ; CG, SR, SA, and RMPs. The data received from the 300 usable questionnaires were subjected to correlation and regression analyses as well as an independent t-test. The result of correlation analysis shows that all the four variables have large positive correlations with each other indicating a strong and significant relationship between them. From the regression analysis undertaken, CG, SR, and SA together explained 52.3 percent of the RMPs and CG emerged as the most influential variable that impacts the RMPs. The independent t-test carried out shows that there were significant differences in the CG and SA between the local and foreign Islamic banks. However, there were no significant differences between the two types of the bank in relation to SR and RMPs. The study has contributed to the body of knowledge and is beneficial to academicians, industry players, regulators, and other stakeholders.

Yoga as an Innovative Solution for Financial Growth of Companies

2018 ◽  
Vol 11 (1) ◽  
Author(s):  
Ipseeta Satpathy ◽  
B. Chandra Mohan Patnaik ◽  
Chandrabhanu Das
Keyword(s):  
Inventory Management ◽  
Internal Control ◽  
Positive Impact ◽  
Cost Savings ◽  
Well Being ◽  
Primary Data ◽  
Financial Health ◽  
Antibiotic Drugs ◽  
Lifestyle Diseases ◽  
The Impact

The existence of Yoga dates back to more than ten thousand years around India and all nations. The Hindu Mythology considers the genesis of Yoga by incorporating Lord Shiva as Guru and Goddess Parvati as Shishya. Gradually with the development of civilization mankind assessed the benefits of this spiritual discipline and different leaders propagated the Yoga in different ways.In this era of 21st century Baba Ramdev propagated the yoga sutras with simple and effective techniques. The Pranayam and Suryanamaskar are the popular routines practiced by many followers of Baba Ramdev. Today Yoga is practiced as a way of Living to prevent Lifestyle diseases, combat stress and rejuvenate self. Yoga has gained immense popularity over the years with July 21st being celebrated as International Yoga Day. Corporate are also now introducing Yoga for employees as a means to relieve their stress and improve productivity. Long Hours of sitting, standing and excessive use of electronic gadgets puts pressure on bones, joints and responsible for Lifestyle diseases. Yoga is now increasingly used as a wellness solution replacing high cost antibiotic drugs. Employee well-being leads to Cost Savings in terms of personnel by reduced payment of Insurance and Medical Bills. The paper studies the Impact of Yoga to Financial benefits in MSME Organizations in Odisha in light of three different perspectives of Internal Control, Inventory management and Cash Flow. The primary data was collected from a sample of 155 high profile finance executives working in the MSME sector. Ranking Table and Regression Analysis Methodology was used to derive meaningful conclusions. The research takes initiative to transform the effectiveness of Yoga into improved financial health for the Organization. The observation from the study interprets a positive impact of Yoga on good financial health of Organization.

scholarly journals Organizational Learning and Motivation: Assessing the impact on Employee Performance

2016 ◽  
Vol 5 (2) ◽  
pp. 355 ◽  
Author(s):  
Puja Sareen ◽  
Parikshit Joshi
Keyword(s):  
Organizational Learning ◽  
Organizational Performance ◽  
Positive Impact ◽  
Employee Performance ◽  
Employee Motivation ◽  
Primary Data ◽  
Hygiene Factors ◽  
And Performance ◽  
The Impact

<em>Organizational learning has the potential to improve organizational performance. For any organization to sustain long term benefits it requires to establish a mechanism to tap the knowledge and use this knowledge in taking future decisions. This study tries to capture the role of Organizational Learning and Employee Motivation and its impact on the Employees’ Performance. The study is exploratory and descriptive in nature. The questionnaire used for primary data collection has its items collected and derived from various standardized questionnaires available. The analysis of the primary data shows that there is a positive correlation between Organizational Learning and Organizational Performance. On understanding Herzberg theory of motivation the study came to conclusion that employees consider hygiene factors of motivation more significant than the motivator factors. The motivation level of employees in an organization has positive impact on the overall performance of any organization. The study helps the organizations to understand the relationship between learning and performance considering motivation as a mediating variable. </em>

scholarly journals The Giving Of Disciplinary Penalty of Civil Servants Based On Government Regulation Number 53 of 2010 in Governments of Demak Regency

2020 ◽  
Vol 2 (4) ◽  
pp. 443
Author(s):  
Muhammad Adib ◽  
Sri Kusriyah Kusriyah ◽  
Siti Rodhiyah Dwi Istinah
Keyword(s):  
Government Regulation ◽  
Positive Impact ◽  
Secondary Data ◽  
Civil Servant ◽  
Civil Servants ◽  
Disciplinary Action ◽  
Primary Data ◽  
Immediate Supervisor ◽  
The Government ◽  
The Impact

Government Regulation No. 53 of 2010 regarding the discipline of the Civil Servant loading obligations, prohibitions, and disciplinary action which could be taken to the Civil Servant who has been convicted of the offense, is intended to foster a Civil Servant who has committed an offense, the form of disciplinary punishment is mild, moderate, and weight. Disciplinary punishment for the Civil Servant under Government Regulation No. 53 of 2010 Concerning the Discipline of Civil Servants. The formulation of this journal issue contains about how the process of disciplinary punishment, and constraints and efforts to overcome the impact of the Civil Servant disciplinary punishment in Government of Demak regency. The approach used in this study is a sociological juridical approach or juridical empirical, that is an approach that examines secondary data first and then proceed to conduct research in the field of primary data normative. The process of giving disciplinary sanctions for State Civil Apparatus in Government of Demak regency begins with the examination conducted by the immediate supervisor referred to in the legislation governing the authority of appointment, transfer and dismissal of civil servants. The results showed that in general the process of sanctioning / disciplinary punishment of civil servants in the Government of Demak be said to be good and there have been compliance with the existing regulations / applied in Government Regulation No. 53 of 2010, although it encountered the competent authorities judge still apply tolerance against the employee, but also a positive impact among their deterrent good not to repeat the same offense or one level higher than before either the Civil Servant concerned or the other. Obstacles in carrying out disciplinary punishment in Government of Demak regency environment is still low awareness of employees to do and be disciplined in performing the tasks for instance delays incoming work, lack of regulatory discipline, lack of supervision system and any violations of employee discipline. There must be constraints to overcome need for cooperation with other stakeholders comprising Inspectorate, BKPP, and the immediate superior civil servants in this way can be mutually reinforcing mutual communication, consultation, coordination so that if later there is a problem in the future could be accounted for.Keywords: Delivery of Disciplinary Sanctions; Civil Servant; Government Regulation No. 53 of 2010.

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