IMPACT OF DEVELOPMENT EXCHANGE CENTRE (DEC) MICROCREDIT PROGRAMME ON CROP OUTPUT AND STANDARD OF LIVING AMONG WOMEN FARMERS IN KADUNA STATE, NIGERIA

2021 ◽  
Vol 5 (1) ◽  
pp. 65-75
Author(s):  
B. D. Adamu ◽  
H. Y. Michael
Keyword(s):  
Interest Rates ◽  
Positive Impact ◽  
Women Farmers ◽  
Standard Of Living ◽  
Farm Size ◽  
Primary Data ◽  
Living Standard ◽  
Farming Communities ◽  
Multi Stage ◽  
The Impact

This study examined the impact of Development Exchange Centre microcredit programme on crops output and standard of living among women farmers in Kaduna State, Nigeria. A multi-stage sampling method was employed to select 420 respondents. Primary data were collected through the use of questionnaires and were subjected to both descriptive and inferential statistics. The mean farming experience was 22 years for DEC participants and 19 years for non-DEC participants while mean farm size for participants and non-DEC participants was 2.0 ha. Determinant of standard of living on programme participants, the study concludes that, age (0.0405, P<0.01), farm size (47.510, P<0.01), education, credit (0.6031, P< 0.01) and extension contact (0.002, P< 0.01), had direct relationship with the standard of living of programme  participants, This implies DEC, increase the standard of living of  programme participants in Kaduna State. Determinant of crops output of programme participants shows that, farm size (0.046, P<0.01), credit (0.821, P< 0.01), extension contact (0.0542, P< 0.05). F-chow statistics shows that DEC microcredit had positive impact on crops output of programme participants. Z – statistics also indicated positive impact on living standard of the participants. It was recommended that, DEC microcredit organization should increase the amount of loan disbursement to N100, 000, so as to increase participation; extend the repayment period, lowered interest rates and extend the programme to other farming communities in Kaduna State, there by improving the standard of living of women farmers in the state

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.

Effect of financial knowledge on performance of women farm enterprises in Kenya

2019 ◽  
Vol 9 (3) ◽  
pp. 294-311 ◽  
Author(s):  
Josephine Cherotich ◽  
Oscar Ingasia Ayuya ◽  
Kenneth W. Sibiko
Keyword(s):  
Selection Bias ◽  
Positive Impact ◽  
Policy Implications ◽  
Women Farmers ◽  
Financial Knowledge ◽  
Primary Data ◽  
Content Type ◽  
Major Factors ◽  
The Impact ◽  
Unobservable Factors

PurposeFinancial knowledge (FK) is considered one of the major factors influencing performance of farm enterprises. The purpose of this paper is to examine the effect of FK on performance of women farm enterprises. Performance is measured using levels of savings and enterprise margins.Design/methodology/approachThe study uses primary data of 384 farmers from three sub-counties in Kericho County, Kenya. It employs a propensity score matching (PSM) approach to control for possible selection bias and to model the impact of FK on performance of women farm enterprises.FindingsThe analysis reveals that high FK has a significant positive impact on performance of women farm enterprises. Specifically, respondents with higher levels of FK were also associated with higher amounts of savings and enterprise margins.Research limitations/implicationsEconometrically, robust strategies were employed using PSM to ensure minimal estimation bias. Although PSM captures selection bias due to observable characteristics, it fails to capture selection bias due to unobservable factors.Originality/valueThe paper contributes to the growing debate on the role played by FK on performance of small and micro enterprises. It provides insights on the state of FK among women farmers and identifies knowledge gaps and policy implications from a developing country perspective.

scholarly journals Does Microfinance Matter for Women Borrowers? Recent Findings from Bangladesh

2019 ◽  
pp. 1-9
Author(s):  
Basharat Hossain ◽  
Syed Naimul Wadood
Keyword(s):  
Interest Rates ◽  
Cross Sections ◽  
Quantitative Research ◽  
Positive Impact ◽  
Secondary Data ◽  
Primary Data ◽  
Random Survey ◽  
The Impact ◽  
Structured Questionnaire ◽  
Women Borrowers

This paper examines the impact of microfinance on some selected women borrower respondents of Bangladesh, who have been selected through a systematic random survey process. This is a quantitative research based on primary and secondary data. The primary data was collected through a structured questionnaire on sixty women borrowers of the Dhaka City, Bangladesh. This paper finds that microfinance has a highly significant positive impact on the income of these women borrower respondents. Moreover, though microfinance encourages for savings and buying new asset but it has no significant impact on their asset building and savings.Overall, there has been a mixed outcome from this cross-sections data: microfinance has been found as a matter for women borrowers’ income increasing aspects, whereas not much effective in increasing savings or building up of assets. Finally the paper recommends some steps to increase effectiveness of microfinance on the women borrowers, including expanding training facilities and lower interest rates particularly for women borrowers.

scholarly journals Impact assessment of Komadugu-Yobe Basin Wetlands Development Initiative Project on farmers livelihood in Jigawa State, Nigeria

2019 ◽  
Vol 9 (1) ◽  
Author(s):  
BASHIR UMAR ◽  
J.G. AKPOKO ◽  
M.W. MUSA
Keyword(s):  
Logistic Regression ◽  
Impact Assessment ◽  
Crop Production ◽  
Age Distribution ◽  
Farm Size ◽  
Primary Data ◽  
Living Standard ◽  
Chow Test ◽  
The Impact ◽  
Basin Wetlands

Abstract. Umar B, Akpoko JG, Musa MW. 2018. Impact assessment of Komadugu-Yobe Basin Wetlands Development Initiative Project on farmers livelihood in Jigawa State, Nigeria. Bonorowo Wetlands 2: 1-8. This study assessed the impact of the Komadugu-Yobe Wetlands Development Initiative project on income, agricultural production, and standard of living of the people. Primary data were obtained by the use of a structured questionnaire that was administered to 456 respondents comprising the project participants and non-participants. Descriptive statistics, logistic regression, and Chow test were used to analyze the data collected. The findings on the socio-economic variables revealed that the mean age of the participants was 36 years and participants were younger in terms of age distribution, the participants were relatively more educated than the nonparticipants, the participants were also organized in to viable associations under the project, and the average years of farming experience of participants was 15 years while the nonparticipants had about 14 years. It was also found that the majority (85.5) of the participants have not benefitted from credit facilities. The logistic regression analysis shows that the socio-economic characteristics such as age (0.022**), level of education (0.000*), farm size (0.018*), Household size (0.224*), membership of cooperatives (0.022*), and access to credit (0.023**) were the most essential variables that predicted farmer‘s participation in the project. The results of the Chow test show that the F-calculated values on income, crop output, and living standard were higher than the F-tabulated values. It has been concluded that the Komadugu-Yobe Basin Wetlands Development Initiative project had a positive impact on the participants of the project. It is recommended that the project should register more participants as the activities of the project had impacted positively on the lives of the participants, to provide more employment opportunities for the youth in the area. Access to loan happened to be a factor that militates against the enhancement of crop production in the study area. It is recommended that farmers in the study area be linked with financial institutions or government agencies by the project to access loan to boost crop production in the area. Extension activities which play a significant role in extending information to farmers should be revived by the Government as the ratio of an extension agent to farmers is very low, when extension problems are solved, crop production in the area would be enhanced.

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.

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 Factors Influencing Online Education during COVID-19 Pandemic: Sri Lankan Students’ Perspective

2021 ◽  
Vol 11 (4) ◽  
Author(s):  
M. A. K. Sriyalatha ◽  
P. J. Kumarasinghe
Keyword(s):  
Online Education ◽  
Positive Impact ◽  
Structural Equations ◽  
Primary Data ◽  
Sri Lankan ◽  
University Administrators ◽  
Factors Influencing ◽  
Management Students ◽  
The University ◽  
The Impact

This study examines the factors influencing online education for selected Sri Lankan universities during the COVID-19 pandemic. It also analyses the moderate effect of gender and type of the university on online education. Primary data were collected using a questionnaire via google form from Management students in Sri Lankan selected universities. Data analysis was done through structural equations using analysis of moment structures (AMOS) version 22.0. Attitude, internet and related facilities, curriculum, and self-motivation were found to have a significant positive impact on online education, while workload & time have no significant effect on online education. Among four factors, the strongest influence was derived from self-motivation followed by the curriculum. We have not found significant differences among male and female students’ views on online education, while the impact from the type of university is different among the two categories. This study effectively guides policy makers and university administrators across the educational institutes to decide on continuing online education. It reveals some insights to the teachers, students, and parents to understand the significance of the modern online learning environment and its positive impact on the new learning mode. There is no study related to the factors associated with the impact of online education during the Covid-19 pandemic in the Sri Lankan context.

scholarly journals Impact of Microfinance on Income and Employment in Pakistan: A Primary Data Analysis

2017 ◽  
Vol 3 (1) ◽  
pp. 69-82
Author(s):  
Shahina Imran ◽  
Rana M. Imran Arshad
Keyword(s):  
Household Income ◽  
Positive Impact ◽  
Small Enterprise ◽  
Local Context ◽  
Primary Data ◽  
Control Group ◽  
Primary Data Analysis ◽  
Gender Education ◽  
Household Assets ◽  
The Impact

Purpose: This paper investigates impact of microfinance on household income and employment. It is a primary data research conducted in the Bahawalpur division, Pakistan. The study employed the tool developed by Assessing the Impact of Microenterprise Services (AIMS) and Small Enterprise, Education and Promotion (SEEP). The tool has been modified in local context. The sample consists of 1524 respondents, out of which 773 are established clients (treatment group) and 751 are incoming ones (control group), belonging to different microfinance providers of Pakistan.  Independent Sample T-Test and Multiple regressions have been used for analysis. The regression analysis shows that participation to microfinance program has strong positive impact on household income while very minute positive impact on employment. Other independent variables such as prior access to any other loan, micro saving, household assets, age of respondent, gender, education and household size have positive impact on household income but a mixed impact on income generating activities.

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