scholarly journals Micro-Finance for Poor and Non-Poor Communities of Nepal

2018 ◽  
Vol 32 (2) ◽  
pp. 135-142 ◽  
Author(s):  
Chandra Prasad Dhakal

 The micro-finance institutions are providing service to the people with the noble purpose to improve their socio-economic status which ultimately helps to reduce the poverty Nepal. In the Nepalese context, micro-finance institutions are providing the equal services to all people living in the remote and rural areas. The main objective of this study was to identify the economic importance of micro-finance institutions for poor and non-poor communities of Nepal. The study was conducted in Syangja district among the 385 beneficiaries of micro-finance. This study found that there was no significant association between the poor and non-poor people regarding the success of small scale business with the support of micro-finance, and increasing the amount of saving because p = .524 and .402 respectively which was greater than .05 significant levels. The difference could be observed in the increase in income level of poor and non-poor. Slight better improvement could be seen among the poor people, there was significant association between poor and non-poor because of p = .019.

Patan Pragya ◽  
2019 ◽  
Vol 5 (1) ◽  
pp. 1-10
Author(s):  
Dipak Bahadur Adhikari

The focus of this paper is to analyze the role of micro-finance in socio-economic development of Kathmandu. Microfinance is a simple but effective credit tool that enables the most poor to pull themselves out of poverty. The socio-economic status of loanees has improved consequently than when they started small business with loan in the earlier days. Moreover, it was found that their socio-economic status was higher than that of non-loanees. Microcredit is an effective tool for raising the socio-economic status of the poor people, particularly the women.


1970 ◽  
Vol 7 (2) ◽  
pp. 395-402 ◽  
Author(s):  
L Mozumdar ◽  
KS Farid ◽  
JU Ahmed ◽  
MW Rahman

The present study assessed the changes in socio-economic conditions of small scale broiler farmers in rural areas of Bangladesh. The population comprised the small scale broiler farmers who reared at least 300 to less than 2000 birds in the rural areas of Sadar Upazila of Mymensingh district, among which a total of 50 samples were randomly selected for the study. The necessary data on different socio-economic parameters were collected from the respondents through personal interview with the pre-tested interview schedule. Findings showed that annual employment opportunities for unemployed family members of broiler farmers were 302.96 man-days. The overall income and expenditure of the farmers were increased by TK.6100 and TK.3064.66 after involving in broiler farming. Cash in hand and savings with bank raised by 142.71% and 201.63% respectively. Drinking water from own tube-well increased by 135.71% and katcha latrines decreased by 76.47%. Consumption of meat, egg, and fruits per month per household were increased by 94.32%, 34.53% and 56.14% respectively in post farming situation. The number of school going children, household assets and health status also improved. So, small scale broiler farming has positive and significant impact for the development of socio-economic status of the farmers as well as the improvement of rural livelihood. Keywords: Broiler farming; Rural livelihood; Socio-economic development DOI: 10.3329/jbau.v7i2.4752 J. Bangladesh Agril. Univ. 7(2): 395-402, 2009


2018 ◽  
Vol 64 (4) ◽  
Author(s):  
Anna Stangret ◽  
Martyna Żurawiecka

ABSTRACTIntroduction: More than 30% of the population suffer from allergic disorders, making it a civilization disease. Allergies are conditioned not only by genetic factors but also by environmental factors such as socio-economic status (SES).The aim of study was to analyse the relationship batween the frequency of allergies and SES.Materials and methods: 700 female students from the University of Łódź, Jagiellonian University and University of Physical Education in Cracow took part in the study. Students answered questions about the occurrence of allergies and specific allergens. Socio-economic status was defined by the place of residence before studies, number of siblings and education level of parents.Results: In the studied group the occurrence of allergies was 29.71%. Women living in urban areas before studies suffered from allergies twice as often as those who had lived in rural areas. Children with siblings had allergies less often than only children. A higher level of education of parents was connected with more frequent allergic reactions, but the difference was not statistically significant. Generally, people with alower SES suffered less often from allergic reactions.Conclusions: People with higher socio-economic status more often suffered from allergic reactions.


ABSTRACT The study analyses the socio-economic status, degree of income inequality and perceived socio-economic conditions of the fish farmers of the four districts of Sikkim. A total sample size of 200 fish farmers was selected from the four districts depending upon the presence of the number of farmers in each district. Purposive random sampling method was used and the results were analysed from descriptive statistics such as frequency count and percentages. The degree of income inequality was analysed through Gini coefficients. The factors that determined the perceived socio-economic living conditions were analysed with a logistic regression model. The socio-economic status of the people was found to be in good condition and there were not many variations among the fish farmers of different districts. Most of the respondents had pucca houses with the combination of firewood and LPG as a source of cooking fuel and also had access to basic amenities like electricity, drinking water and sanitation facilities in the households. The study also found that income inequality was not so severe amongst the fish farmers of the three districts except for the East district which had the strongest income inequality. The per capita income, housing condition and ratio of above primary education to total members had a significant impact on the perceived living conditions of the fish farmers. Keywords


1993 ◽  
Vol 27 (4) ◽  
pp. 630-637 ◽  
Author(s):  
Anthony F. Jorm ◽  
Stephen J. Rosenman ◽  
Patricia A. Jacomb

An analysis was carried out on Medicare data to find out if there are inequalities in the geographical distribution of private psychiatric services in Australia. The number of psychiatric services and persons becoming patients per 100,000 population was calculated for each federal electorate for the year 1985/86 and related to social indicators derived from the 1986 census. As a comparison, services provided by consultant physicians were analyzed as well. The data were based on the electorate of the patient rather than the electorate of the practitioner. Consultant psychiatrist services were found to be received more often in high socio-economic status electorates and those with older populations, and less often in rural areas. A similar pattern was found for consultant physician services, although the relationship with socio-economic status was not as strong. Frequent psychiatric consultations of longer duration, which are an indicator of insight psychotherapy, were more common in higher socioeconomic status electorates. A limitation of the Medicare data is that they cover only private services. To overcome this limitation, a supplementary analysis was carried out on the distribution of consultations for mental disorders using data from the National Health Survey. These data confirmed that individuals of high socio-economic status with a mental disorder are more likely to receive specialist treatment.


1996 ◽  
Vol 9 (1) ◽  
pp. 45-54 ◽  
Author(s):  
Q. Li ◽  
M. D. Fottler

A case-control study of maternal mortality was conducted in selected rural areas of two provinces in China: Henan province, which has a relatively lower socio-economic status and higher maternal mortality rates, and Jiangsu province with higher socio-economic status and lower maternal mortality rates. The major cause of maternal mortality in the two provinces was postpartum hemorrhage and the largest proportion of deaths occurred on the road between the women's home and the health care facility. Results indicate that the expectant mother's socio-economic status, knowledge of maternal care, and the nature and level of maternal care provided all influence rural maternal death rates. However, socio-economic factors were only significant predictors of mortality in the poorer province. Implications for health policy and future research are discussed.


2005 ◽  
Vol 30 (4) ◽  
pp. 77-86 ◽  
Author(s):  
M S Sriram

In recent times, microfinance has emerged as a major innovation in the rural financial marketplace. Microfinance largely addresses the issue of access to financial services. In trying to understand the innovation of microfinance and how it has proved to be effective, the author looks at certain design features of microfinance. He first starts by identifying the need for financial service institutions which is basically to bridge the gap between the need for financial services across time, geographies, and risk profiles. In providing services that bridge this gap, formal institutions have limited access to authentic information both in terms of transaction history and expected behaviour and, therefore, resort to seeking excessive information thereby adding to the transaction costs. The innovation in microfinance has been largely to bridge this gap through a series of trustbased surrogates that take the transaction-related risks to the people who have the information — the community through measures of social collateral. In this paper, the author attempts to examine the trajectory of institutional intermediation in the rural areas, particularly with the poor and how it has evolved over a period of time. It identifies a systematic breach of trust as one of the major problems with the institutional interventions in the area of providing financial services to the poor and argues that microfinance uses trust as an effective mechanism to address one of the issues of imperfect information in financial transactions. The paper also distinguishes between the different models of microfinance and identifies which of these models use trust in a positivist frame and as a coercive mechanism. The specific objectives of the paper are to: Superimpose the role of trust in various types of exchanges and see how it impacts the effectiveness of repeated transactions. While greater access to information fosters trust and thus helps social networks to reduce transaction costs, there could be limits to which exchanges could solely depend on networks and trust. Look at the frontiers where mutual trust cannot work as a surrogate for lower appraisal costs. Use an example in the Canadian context and see how an entity that started on the basis of social networks and trust had to morph into using the techniques used by other formal nonneighbourhood institutions as it grew in size and went beyond a threshold. Using the Canadian example, the author argues that as the transactions get sophisticated, it is possible to achieve what informal networks have achieved through the creative use of information technology. While we find that the role of trust both in the positivist and the coercive frame does provide some interesting insights into how exchanges with the poor could be managed, there still could be breaches in the assumptions. This paper identifies the conditions under which the breaches could possibly happen and also speculates on the effect of such breaches.


2019 ◽  
Vol 9 (4) ◽  
pp. 222-226
Author(s):  
K.C. Kavipriya

Economic Development of a country depends upon the individual development; Creation of more Employment opportunities is the right way to strengthen our Economy. By way of strengthening Small scale units, ultimately more people will get Employment. More over Small scale Industries required less amount of Capital. These are the main reasons to start the scheme MUDRA. The scheme MUDRA was launched in the year 2015 by Government of India. In India most of the people are depending upon small scale businesses as their source of livelihood. Most of the individuals depend on un-organised sectors for loans and other credit facilities which have high rate of interest along with unbearable terms and conditions. Ultimately it will lead these poor people to fall in debts. This paper is an attempt to educate the readers about MUDRA Yojana.


Edulib ◽  
2014 ◽  
Vol 4 (1) ◽  
Author(s):  
Tine Silvana ◽  
Pawit M Yusup ◽  
Priyo Subekti

AbstractRural poverty can be understood as a social condition of a person, or a group of people who were associated with aspects of economic and non-economic aspects. Scientific aspects such as social, cultural, health, education, psychology, the environment, law, anthropology, and art, was often associated with poverty. Nevertheless, the notion of poor and rural poverty is, in general, is still viewed by researcher's perspective, rather than emic, ie see something from the perspective of the participant. This study took part of the effort to comprehensively understand the meaning of poor and poverty in the eyes of the poor, especially in rural areas, roomates point is on how to map view of rural poor people in hopes of interpreting experience of livelihood as poor in underlying survival living. By using a qualitative study approach, especially the tradition of phenomenology of Schutz, obtained a description of the results, that the meaning of poor and poverty, in phenomenology, containing context, such as: context ownership; contexts effort and trial and error; contexts powerlessness; contexts outside assistance; independence in the context of compulsion; contexts unattainable expectations; context of the struggle; context of limited access to information; contexts low curiosity; contexts simplicity needs; problems humiliation context; and context sensitivity in social communication.Keywords: Meaning poor, Poverty, Rural AbstrakKemiskinan di pedesaan dapat dipahami sebagai suatu kondisi sosial seseorang, atau sekelompok orang yang terkait dengan aspek-aspek ekonomi dan non-ekonomi. Aspek ilmiah seperti sosial, budaya, kesehatan, pendidikan, psikologi, lingkungan, hukum, antropologi, dan seni, yang sering dikaitkan dengan kemiskinan. Namun demikian, gagasan tentang kemiskinan dan pedesaan, secara umum, masih dilihat dari perspektif peneliti, bukan emik, yaitu melihat sesuatu dari perspektif partisipan. Penelitian ini mengambil bagian dari upaya untuk secara komprehensif memahami makna miskin dan kemiskinan di mata masyarakat miskin, terutama di daerah pedesaan, which titik adalah bagaimana memetakan pandangan masyarakat miskin pedesaan dengan harapan pengalaman yang menafsirkan mata pencaharian sebagai masyarakat miskin untuk bertahan hidup. Dengan menggunakan pendekatan studi kualitatif, khususnya tradisi fenomenologi Schutz, diperoleh gambaran hasil, bahwa makna miskin dan kemiskinan, dalam fenomenologi, mengandung konteks, seperti: kepemilikan konteks; Upaya konteks dan trial and error; Ketidakberdayaan konteks; konteks di luar bantuan; kemerdekaan dalam konteks paksaan; konteks harapan tercapai; konteks perjuangan; konteks terbatasnya akses terhadap informasi; konteks rasa ingin tahu yang rendah; kesederhanaan konteks kebutuhan; konteks masalah penghinaan; dan sensitivitas konteks komunikasi sosial.Kata Kunci : Makna kemiskinan, Kemiskinan, Desa


2020 ◽  
Vol 5 (1) ◽  
pp. 124-142
Author(s):  
Noor Syafinas Muda ◽  
Ku 'Azam Tuan Lonik

Background and Purpose: Microcredit scheme was introduced to provide credit facilities for poor people to start a business activity. Microcredit creates income-generating self-employment activities that allow poor people to venture into small businesses and achieve economic independence. The scheme has been recognised as a successful tool to uplift the socio-economic status among the poor. Amanah Ikhtiar Malaysia (AIM) is the largest microfinance institution in Malaysia and therefore, its impact on the beneficiaries is crucial to be studied. This paper aims at reviewing the economic impact of AIM based on the existing literature.   Methodology: Four electronic databases, which are Scopus, Science Direct, Springer and Ebscohost were used to search the literature. Subsequently 118 articles were generated from this search. However, only 13 articles which met the selection criteria were analysed. We selected only empirical studies that focused on the economic impact of AIM.   Findings: Results of the review showed that income has dominated the economic impact assessment followed by asset, economic vulnerability and spending. Low concentration on the indicators other than income should be noted especially on spending as it provides a clear evidence that the recipients enjoy the economic well-being in terms of consumption expenditure.   Contribution: This review reveals that microcredit has a great potential to uplift the economic status of the poor.   Keywords: Amanah Ikhtiar Malaysia, asset, economic impact, income, microcredit.   Cite as: Muda, N. S., & Tuan Lonik, K. A. (2020). Assessing economic impact of microcredit scheme: A review of past studies on Amanah Ikhtiar Malaysia (AIM).  Journal of Nusantara Studies, 5(1), 124-142. http://dx.doi.org/10.24200/jonus.vol5iss1pp124-142


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