scholarly journals Microfinance Participation in Thailand

2020 ◽  
Vol 13 (6) ◽  
pp. 122
Author(s):  
Wittawat Hemtanon ◽  
Christopher Gan
Keyword(s):  
Income Inequality ◽  
Low Income ◽  
Rural Households ◽  
Secondary Data ◽  
Multinomial Logit Model ◽  
Microfinance Institutions ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Poor Households ◽  
Household Heads

Income inequality is a major problem in Thailand. A key determinant of income inequality in Thailand is the lack of financial access to financial institutions for low-income families. Microfinance institutions (MFIs) play an important role in enabling poor households to access financial resources at a reasonable cost. The purpose of this paper is to investigate factors that affect Thai households participating in microfinance programs in Thailand. A multinomial logit model is used to investigate the factors that impact the Thai households’ access to microfinance. The study employs secondary data from the Thai Socioeconomic Survey (cross-sectional data in 2017) to identify factors affecting Thai household participation in microfinance programs. The results show that the Village Fund (VF) targets low-income rural households and encourages those with older household heads who have lower levels of education, and female household heads, to participate in their program. Larger households are more likely to access the VF. Households with higher dependency ratios are less likely to borrow from the VF. Households with well-educated, young household heads in regional areas are more likely to borrow money from Saving Groups for Production (SGPs). SGP borrower households have higher household incomes than VF borrower households. Our findings indicate that VFs and SGPs are credit sources in the rural credit market; these sources enable rural households to access credit to meet their needs. In addition, rural Thai households borrow from many sources so that they can rotate their loan repayments. Low-income households refinance their loans by borrowing from different sources.

scholarly journals Factors Affecting the Level of Rural Households Livelihood Diversification in Gamo Zone, Southern Ethiopia

2021 ◽  
pp. 19-32
Author(s):  
Wanno Wallole ◽  
Yishak Gecho ◽  
Tewodros Tefera
Keyword(s):  
Rural Households ◽  
Sampling Technique ◽  
Rural Household ◽  
Southern Ethiopia ◽  
Livelihood Diversification ◽  
Chi Square ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Household Livelihood ◽  
Household Heads

Livelihood diversification is enchanting a significant effect in generating household’s income. The livelihood diversification includes:on-farm, non-farm and off-farm strategies which are undertaken to get extra income and moderate hazard and insecurity. The purpose of this study was to examine the factors affecting the level of rural household livelihood diversification in Gamo Zone, Southern Ethiopia. The study was conducted by using a cross-sectional research design. It is a quantitative dominant concurrent mixed research methodology where the qualitative research is complemented with interpretations and triangulation. By applying multi-stage random sampling technique, a sample size of 400 household heads from 6 sample villages was selected and data were collected using interview schedule and via key informant interviews and focus group discussions. Descriptive statistics were analyzed and presented by using tables, graphs and figures while chi-square-test and F-test were employed to make statistical inferences. Tobit model was employed to identify the intensity of factors affecting of rural household’s livelihood diversification. Out of the 14 hypothesized explanatory variables, 6 variables namely age, education, access to extension, media access, distance to urban centers and training were found to have significant effect in rural household livelihood diversification decision. Therefore, the findings of this imply that rural households’ development policies should consider these factors in designing rural household livelihood diversification strategy.

scholarly journals Evaluating the capacity of community health volunteers and factors affecting their implementation of community health strategy in Mogotio Sub-County, Baringo, Kenya

2020 ◽  
Vol 7 (11) ◽  
pp. 4233
Author(s):  
Bartena Kimosop Samuel ◽  
Moses Otiati Esilaba ◽  
Oscar Omondi Donde
Keyword(s):  
Community Health ◽  
Secondary Data ◽  
Cross Sectional Study ◽  
County Government ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Community Health Volunteers ◽  
Health Strategy ◽  
Proper Training ◽  
Household Heads

Background: Community health volunteers (CHVs) play key role in the delivery of community health strategy. Mogotio Sub County has a total of thirty-two health facilities with nine established Community Units. However, the dissemination of information on community health strategy to household members is low or non-existence, probably due to poor training and facilitation of CHV and lack of awareness creation to local communities in the implementation of the programme.Methods: Cross-sectional study design was used to collect primary and secondary data through administration of questionnaires to selected respondents in three locations to assess the capacity of CHVs and factors affecting their implementation of community health strategy in Mogotio Sub-County, Baringo, Kenya.Results: The results indicated that 46%, 36% and 18% of the household respondents had primary, secondary and tertiary level of education respectively. More than 33% of household heads respondents were not employed and hence had no sustainable source of income. A big number of CHV had not attained all the required qualifications for proper implementation of community health strategy. Additionally, the CHVs experienced numerous challenges that affected the efficient implementation of community health strategy. Majority (52.2%) of the CHVs had attained secondary education, and (45%) were unemployed, 35 % were engaged in business and 20% earned their living by engaging in casual labor.Conclusion: The study revealed the need by the county government to strengthen the capacity of the CHVs through proper training and adequate financial support.

scholarly journals Income Inequality Affects the Psychological Health of Only the People Facing Scarcity

2018 ◽  
Vol 29 (12) ◽  
pp. 1911-1921 ◽  
Author(s):  
Nicolas Sommet ◽  
Davide Morselli ◽  
Dario Spini
Keyword(s):  
Income Inequality ◽  
Low Income ◽  
Psychological Health ◽  
National Income ◽  
World Values Survey ◽  
Psychological Consequences ◽  
Cross Sectional ◽  
The People ◽  
The World ◽  
The Status

Following the status-anxiety hypothesis, the psychological consequences of income inequality should be particularly severe for economically vulnerable individuals. Oddly, however, income inequality is often found to affect vulnerable low-income and advantaged high-income groups equally. We argue that economic vulnerability is better captured by a financial-scarcity measure and hypothesize that income inequality primarily impairs the psychological health of people facing scarcity. First, repeated cross-sectional international data (from the World Values Survey: 146,034 participants; 105 country waves) revealed that the within-country effect of national income inequality on feelings of unhappiness was limited to individuals facing scarcity (≈25% of the World Values Survey population). Second, longitudinal national data (Swiss Household Panel: 14,790 participants; 15,595 municipality years) revealed that the within-life-course effect of local income inequality on psychological health problems was also limited to these individuals (< 10% of the Swiss population). Income inequality by itself may not be a problem for psychological health but, rather, may be a catalyst for the consequences of financial scarcity.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEDALAMAN JANGKAUAN (DEPTH OF OUTREACH) LEMBAGA KEUANGAN MIKRO (LKM) UED-SP DI KECAMATAN RAMBAH KABUPATEN ROKAN HULU

2018 ◽  
Vol 14 (1) ◽  
pp. 77
Author(s):  
Ahmad Rifai ◽  
Siswanto Siswanto ◽  
Eri Sayamar
Keyword(s):  
Secondary Data ◽  
Predictive Ability ◽  
Fixed Effect Model ◽  
Equation Model ◽  
Fixed Effect ◽  
Microfinance Institutions ◽  
Factors Affecting ◽  
Purposive Sampling ◽  
Agriculture Sector ◽  
Pooled Data

<p>Abstract : This study analysis the factors affecting the depth of outreach of<br />Microfinance Institutions (MFIs) of UED-SP at Rambah Sub-district Rokan Hulu<br />District. Factors thought to influence the depth of outreach is age of UED-SP, ROA,<br />percent of trading sector clients, percent of agriculture sector clients and number of<br />woman clients. The sampling method is done using by purposive sampling. This study<br />obtained a sample of twelve UED-SPs in the village at Rambah District from in the<br />period of 2012-2015. The data used is secondary data form pooled data. Data were<br />obtained based on the financial reports of each of the samples. This study uses<br />quantitative approach with analysis technique used is multiple linear regression<br />analysis with fixed effect model of pooled data that were previously tested with the<br />classical assumption test. Hypothesis testing using t-statistic and the F-statistic with<br />95% confidence level. Based on the classic assumption test found no variables that<br />deviate. This shows that the available data has been qualified using the linear<br />regression equation model. The results of this study show that depth of outreach are<br />statistically significant infiuenced by age of UED-SP. However, it’s negatively affect<br />on depth of outhreach. Whereas ROA, number of woman borrower, percent of<br />agriculture sector clients and percent of trading sector clients has no affect on depth of<br />outhreach. Predictive ability of these five variables on the depth of outhreach is 77,66<br />percent, while the 22,34 percent influenced by other factors not included in the<br />research model.</p><p> </p><p>Abstrak : Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhi<br />kedalaman jangkauan (Depth of Outrech) pada LKM UED-SP di Kecamatan Rambah<br />Kabupaten Rokan Hulu. Faktor-faktor yang diduga berpengaruh terhadap kedalaman<br />jangkauan adalah umur UED-SP, rasio pengembalian aset (ROA), jumlah peminjam<br />wanita, proporsi peminjam sektor pertanian dan proporsi peminjam sektor perdagangan. Metode pengambilan sampel dilakukan dengan menggunakan purposive sampling. Dalam penelitian ini diperoleh sampel sebanyak 12 LKM UED-SP di Desa/Kelurahan yang ada di Kecamatan Rambah dan data yang dihimpun adalah 4 tahun dari tahun 2012-2015. Data yang digunakan adalah data sekunder data panel. Data diperoleh berdasarkan laporan keuangan dari masing-masing sampel. Teknik analisis yang digunakan adalah analisis regresi linear berganda data panel dengan model Fixed Effect (FEM) yang sebelumnya diuji dengan uji asumsi klasik. Uji hipotesis menggunakan t-statistik serta F-statistik dengan tingkat kepercayaan 95%. Berdasarkan uji asumsi klasik tidak ditemukan variabel yang menyimpang. Hal ini menunjukkan bahwa data yang tersedia telah memenuhi syarat menggunakan model persamaan linear berganda. Hasil penelitian menunjukkan bahwa variabel umur UEDSP berpengaruh signifikan terhadap kedalaman jangkauan. Namun berpengaruh negatif terhadap kedalaman jangkauan. Kemampuan prediksi kelima variabel tersebut terhadap kedalaman jangkauan adalah 77,66 persen, sedangakan 22,34 persen dipengaruhi oleh faktor lain yang tidak dimasukkan ke dalam model penelitian.</p>

IMPACTS OF FINANCIAL INCLUSION ON POVERTY AND INCOME INEQUALITY IN DEVELOPING ASIA

2021 ◽  
pp. 1-17
Author(s):  
WARATTAYA CHINNAKUM
Keyword(s):  
Developing Countries ◽  
Income Inequality ◽  
Low Income ◽  
Financial Services ◽  
Trade Openness ◽  
Generalized Method Of Moments ◽  
Principal Component ◽  
Financial Inclusion ◽  
Poor Households ◽  
Low Income Groups

This study investigates the impacts of financial inclusion on poverty and income inequality in 27 developing countries in Asia during 2004–2019 based on a composite financial inclusion index (FII) constructed using principal component analysis (PCA). The generalized method of moments (GMM) was employed for the estimation. The results show that financial inclusion can influence the reduction in both poverty and income inequality. The empirical findings also reveal the contribution of such control variables as economic growth in decreasing income disparity and trade openness in helping improve the standard of living of poor households despite its tendency to co-vary with income inequality. The present empirical evidence supporting the role of financial inclusion in reducing poverty and income inequality in developing countries has led to a policy implication that financial sector development should focus on the availability, usage, and depth of credit to cover all poor households or low-income groups to help improve their access to financial services, enable them to increase their income, and reduce the income gap between poor and rich households.

Factors Affecting the Sustainability of Microfinance Institutions: A Case of Malawi Microfinance Institutions

2021 ◽  
Author(s):  
Helex Kayembe ◽  
Yunjian Lin ◽  
George N. Chidimbah Munthali ◽  
Wu Xuelian ◽  
Lazarus Obed Livingstone Banda ◽  
...  
Keyword(s):  
Corporate Governance ◽  
Portfolio Management ◽  
Developing Economies ◽  
Statistical Significance ◽  
Least Square ◽  
Microfinance Institutions ◽  
Cross Sectional Survey ◽  
Loan Portfolio ◽  
Cross Sectional ◽  
Factors Affecting

Abstract Background: Micro Finance Institutions (MFIs) have been used as a tool for poverty alleviation in many developing economies globally, including Malawi. However, their sustainability in many countries has been dependent solely on loan repayment, donor aid, and subsidies. Aim: This study aimed at investigating the factors that influence the sustainability of MFIs in Malawi. Methods: A cross-sectional survey was conducted from November to December 2020 among the MFIs employees in the central region of Malawi. Convenience and purposive sampling techniques were used to collect data online using a google form sent via social media platforms. Data were analyzed using IBM SPSS software with Statistical significance placed at .05. Results: 120 respondents completed the survey representing a 79.3% response rate, of which 63% were male. The majority of the respondents fell within the age group of 31-40 years, representing 58%, having attained universities and vocational colleges' education level, representing 32.8%. With an experience of above 16 years, representing 41.2% of which were branch managers, representing 49.6%. The results of the ordinary least square regression indicated that reporting and loan management system (RLMS) (β=0.200, P=0.021), corporate-governance (β=0.257, P=0.004), and commercialization (β=0.161, P=0.047) were positively significantly influencing the sustainability of MFI. On the other hand, loan design/type (β =-0.211, P=0.006), loan portfolio management (β =-0.179, P=0.050) were found to be negatively impacting the MFI. Lastly, variables of over-indebtedness (B= 0.077, P=0.426), loan disbursement (β =0.121, P=0.104) were found statistically insignificant. Conclusion: Our study argues that commercialization, standardized reporting, and effective loan portfolio management systems, stakeholder-based approach to corporate governance, and favored board independence through scale and cost management is critical to improving MFIs' financial sustainability.

scholarly journals Predictors of modern contraceptive use among women and men in Uganda: a population-level analysis

BMJ Open ◽  
2020 ◽  
Vol 10 (2) ◽  
pp. e034675 ◽  
Author(s):  
Amrita Namasivayam ◽  
Sarah Lovell ◽  
Sarah Namutamba ◽  
Philip J Schluter
Keyword(s):  
Family Planning ◽  
Contraceptive Use ◽  
Unmet Need ◽  
Secondary Data ◽  
Population Level ◽  
Modern Contraceptive ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Logistic Regression Models ◽  
Modern Contraceptive Use

Objective(s)Despite substantial and rapid improvements in contraceptive uptake in Uganda, many women continue to have unmet need for contraception. As factors affecting contraceptive use are dynamic and complex, this study seeks to identify current predictors and provide effect size estimates of contraceptive use among women and men in Uganda.Study designA nationally representative cross-sectional population survey, using secondary data from Uganda’s 2016 Demographic and Health Survey. Stratified by sex, weighted bivariable and multivariable logistic regression models were derived from a suite of potential predictor variables. Predictive abilities were assessed via 10-fold cross-validated area under the receiver operating characteristic curves (AUCs).SettingUganda.ParticipantsAll women aged 15–49 years who were permanent residents of the selected households or stayed in the household the night before the survey were eligible to participate. In one-third of the sampled households, all men aged 15–54 years who met the same residence criteria were also eligible.Primary outcome measuresModern contraceptive use.ResultsOverall, 4914 (26.6%) women and 1897 (35.6%) men reported using a modern contraceptive method. For women and men, both demographic and proximate variables were significantly associated with contraceptive use, although notable differences in effect sizes existed between sexes—especially for age, level of education and parity. Predictively, the multivariable model was acceptable for women with AUC=0.714 (95% CI 0.704 to 0.720) but less so for men with AUC=0.654 (95% CI 0.636 to 0.666).Conclusion(s)Contemporary significant predictors of contraceptive use among women and men were reported, thereby enabling key Ugandan subpopulations who would benefit from more targeted family planning initiatives to be identified. However, the acceptable AUC for women and modest AUC for men suggest that other important unmeasured predictors may exist. Nonetheless, these evidence-based findings remain important for informing future programmatic and policy directions for family planning in Uganda.

scholarly journals Factors Affecting Fuelwood Consumption and CO2 Emissions: An Example from a Community-Managed Forest of Nepal

Energies ◽  
2019 ◽  
Vol 12 (23) ◽  
pp. 4492 ◽  
Author(s):  
Baral ◽  
Basnyat ◽  
Gauli ◽  
Paudel ◽  
Upadhyaya ◽  
...  
Keyword(s):  
Low Income ◽  
Carbon Emissions ◽  
Carbon Emission ◽  
Economic Status ◽  
Primary Source ◽  
Factors Affecting ◽  
Community Forests ◽  
Poor Households ◽  
Forest Users ◽  
Fuelwood Consumption

Fuelwood is the primary source of energy in Nepal, where 87.1% of the total energy is derived from wood, making it the major source for carbon emissions. This study explores the factors affecting the fuelwood consumption, the amount of carbon emissions including the potential for carbon sequestration in community forests, taking a case study of Kankali Community Forest Users Group (CFUG) of Chitwan district of Nepal. Interviews with 217 households revealed that 60% of the households still depend on fuelwood for cooking, which apparently emits approximately 13.68 tons of carbon dioxide annually. The emission, however, varies with the economic status of the households; poor households rely exclusively on fuelwood for cooking and therefore emit greater amount of carbon. Similarly, the carbon emission was also found to be directly proportional to the family size and livestock holding, and inversely proportional to landholding and per capita income. A more conservation-oriented forest management along with activities to support livelihood has contributed to lower carbon emissions. Interestingly, the poverty-energy trap seemed to have a distinct gender dimension. We argue that CFUGs need to invest in income-generating activities for local users, and especially for women of low-income households, in order to reduce current carbon emission.

scholarly journals A Regression Analysis of the Carbon Footprint of Megacities

2021 ◽  
Vol 13 (3) ◽  
pp. 1379
Author(s):  
John A. Paravantis ◽  
Panagiotis D. Tasios ◽  
Vasileios Dourmas ◽  
Georgios Andreakos ◽  
Konstantinos Velaoras ◽  
...  
Keyword(s):  
New York ◽  
Los Angeles ◽  
Income Inequality ◽  
Carbon Footprint ◽  
Low Income ◽  
Ecological Footprint ◽  
Ordinary Least Squares ◽  
Cross Sectional ◽  
Low Income Country ◽  
Per Capita

Urbanization and climate change are two major issues that humanity faces in the 21st century. Megacities are large urban agglomerations with more than 10 million inhabitants that emerged in the 20th century. The world’s top 100 economies include many North and South American megacities, such as New York, Los Angeles, Mexico City, Sao Paulo and Buenos Aires; European cities such as London and Paris; and Asian cities such as Tokyo, Osaka, Seoul, Beijing and Mumbai. This paper addresses a dearth of megacity energy metabolism models in the literature. Cross-sectional data for 36 global megacities were collected from many literature and Internet sources. Variables included megacity name, country and region; population; area; population density; (per capita) GDP; income inequality measures; (per capita) energy consumption; household electricity prices; (per capita) carbon and ecological footprint; degree days; average urban heat island intensity; and temperature and precipitation. A descriptive comparison of the characteristics of megacities was followed by ordinary least squares with heteroskedasticity-robust standard errors that were used to estimate four alternative multiple regression models. The per-capita carbon footprint of megacities was positively associated with the megacity GDP per capita, and the megacity ecological footprint; and negatively associated with country income inequality, a low-income country dummy, the country household electricity price, and the megacity annual precipitation. Targeted policies are needed, but more policy autonomy should be left to megacities. Collecting longitudinal data for megacities is very challenging but should be a next step to overcome misspecification and bias issues that plague cross-sectional approaches.

scholarly journals Evaluation of Risk Factors Affecting Substance Use among Tenth-Grade Students

2018 ◽  
Vol 2018 ◽  
pp. 1-11 ◽  
Author(s):  
Dilek Öztaş ◽  
Aydan Kalyon ◽  
Ayşin Ertuğrul ◽  
Çetin Gündoğdu ◽  
Hüseyin Balcıoğlu ◽  
...  
Keyword(s):  
Risk Factors ◽  
Substance Use ◽  
Low Income ◽  
Treatment Strategies ◽  
Survey Study ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Youth Survey ◽  
Tenth Grade ◽  
The City

Aim. The aim of this study is to detect the prevalence of substance use among tenth-grade students; their thoughts, attitudes, behaviors, and tendencies towards substance use; and risk factors of substance use in tenth-grade students in general. Methods. This study is descriptive and cross-sectional conducted between April and May 2016. Research population consists of tenth-grade students in 2015-2016 school year in the city of Ordu. Since the study involved all tenth-grade students, no sampling was done. Questions on substance use were prepared by Ordu Public Health Directorate and the authors by making use of European School Survey Project on Alcohol and Other Drugs (ESPAD) study questions, AMATEM’s “Drugs and Addiction Youth Survey” study conducted on May 1996, and scientific studies conducted previously on similar subjects. Results. 9825 tenth-grade students in 88 schools from 19 counties in the city of Ordu were included in the study. 8714 of the students participated in the survey. Being male, being over the age of 15, mother and father being separated, living with relatives, being in low income, negative feelings about school, perception of being unsuccessful in school, failing a year, absenteeism, and not being content with life are the risk factors for substance use. Conclusions. The tendency of illegal substance use becoming more and more prevalent especially among youth requires the development of new treatment strategies.

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