scholarly journals Analysis of Factors Affecting the Amount of Credit Distribution at Credit Unions

2021 ◽  
Vol 4 (3) ◽  
pp. 98-100
Author(s):  
Anggrella Simbolon

Capital is the most important thing in production activities. Without capital, it is impossible for a production activity to run as it should. Likewise for entrepreneurs, especially micro, small and medium entrepreneurs who generally experience problems in terms of capital. These capital giving institutions are generally handled by the banking sector. However, for various reasons, these micro, small and medium entrepreneurs rely more on credit originating from non-governmental organizations which are currently emerging in the community. The institution emerged to develop a small credit mechanism specifically for micro, small and medium entrepreneurs. Like the Credit Union, it is one of the credit providers for micro, small and medium entrepreneurs.

2018 ◽  
Vol 11 (3) ◽  
pp. 129-147
Author(s):  
Piotr Frączek ◽  
Patrycja Pater

SummarySubject and purpose of work: The aim of the paper is to identify non-economic factors influencing employment in non-governmental organizations in the Subcarpathian Province.Materials and methods: Surveys were conducted in a group of 30 people managing non-governmental organizations.Results: In the Subcarpathian Province, the factors not connected to economy that encourage involvement in the work of non-governmental organisations include education, marital status, labour market activity, gender, religiousness, and moral authority associated with charitable activities. The factors such as age, personal experience of difficult life situations, or observing charity activities done by family members and friends have an insignificant effect on the involvement in the work of nongovernmental entities.Conclusions: The activities of state institutions of social policy whose goal is to increase the participation of citizens in the third sector entities should aim to give them an opportunity of obtaining the highest level of education possible, stable employment in the labour market, as well as creating conditions for families to function properly. Moreover, public institutions should conduct social campaigns to show citizens that working in the third sector enriches their social and personal life.


2019 ◽  
Author(s):  
Neda Kabiri ◽  
Rahim Khodayari-zarnaq ◽  
Manouchehr Khoshbaten ◽  
Ali Jannati

Abstract Background Considering the importance of gastrointestinal cancers and their high prevalence in Iran, the analysis of national and local programs and policies are of high importance. The current document review was conducted to assess policies and programs related to the prevention of colon, stomach, liver, esophageal and pancreas cancers in Iran. Methods This paper used 'policy triangle' as a framework to analyze documents related to gastrointestinal cancer prevention in Iran. We searched PubMed and SCOPUS, as well as web pages of Ministry of Health and Medical Education (MOHME), all Medical Sciences Universities, and some related research centers. Documents were analyzed using MAXQDA 10 software. Results Three documents, one guideline, 16 national meeting reports, and 11 articles were found containing or describing interventions directed at the prevention of gastrointestinal cancers in Iran. Also, a large amount of news was obtained from the searched web pages. Findings of this paper are organized based on the four aspects of health policy triangle including content, context, process, and actors. Health affairs of MOHME developed a plan, called 'Iran Package of Essential Non-communicable Disease’ (IraPEN), for preventing three common cancers namely colorectal, breast, and cervix in 2015. The contextual factors affecting prevalence and incidence of gastrointestinal cancers in this country included economic, social, and cultural. Regarding high prevalence and incidence of gastrointestinal cancers in Iran, prevention programs have been developed in this country since 2012 and have been implemented in some areas. However, these programs don’t have any evaluation phase within them. The most effective actor in preventing these cancers in Iran is MOHME. Conclusions Considering the interventions conducted to prevent gastrointestinal cancers in the country, the prevalence and incidence of these cancers have not been diminished. This issue needs care of policy makers in health and other sectors to design and implement policies and strategies in order to prevent these cancers at the primary level. Also, non-governmental organizations might be attracted to provide financial support.


2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Widyarso Roswinanto ◽  
Siti Nuraisyah Suwanda

Purpose The purpose of this study is twofold. First, to investigate whether religiosity holds a significant effect on religious animosity in boycott circumstances in Indonesia and the interplay of religiosity dimensions (Study 1). Second, to investigate the antecedents of the intention to participate in religious boycotts (Study 2). The theory of planned behavior (TPB) is used as the foundation to explore and develop the antecedents. Design/methodology/approach The quantitative research uses a scenario from a real case of boycott incident in Indonesia; a significant country for the Muslim community and the host to the biggest Muslim population in the world. The case is related to a boycott toward the leading brand of the bakery (Sari Roti). In total, 270 adult Muslims participate as respondents using purposive and snowball sampling techniques. The data is then analyzed using multiple regression analyzes. Findings Study 1 reveals that religiosity has a significant effect on religious animosity. Thus, religiosity is a relevant factor in affecting boycotts. Further, the dimensions of religiosity (intrinsic and extrinsic religiosity) play intertwining roles in affecting religious animosity. Study 2 reveals that the significant antecedents of religious boycott intention are attitude toward religious boycott, normative belief, motivation to comply. The political tendency is a significant covariate. The attitude toward religious boycott has the highest effect on religious boycott intention and is preceded by religious animosity and perceived success likelihood. Research limitations/implications The sample is chosen from the population of Indonesian adult Muslims. Hence, caution should be applied when generalizing across other populations. Practical implications Results of the current research can help managers to prevent and to anticipate the potential negative impacts of a religious boycott on their businesses through the understanding of the factors affecting the intention to participate in such boycotts. Managers may initiate marketing interventions for such anticipations by creating communications responding to the potential animosity and boycott issues. Social implications Governments and non-governmental organizations (NGOs) can benefit from the current research in their efforts to prevent potential national instability and social or political chaos. The research findings may increase the understanding about antecedents of religious boycott, and, in turn, the governments and NGOs can plan social engineering initiatives for corrective and preventive actions accordingly. Originality/value The paper fulfills the conceptual gap by investigating whether religiosity and religious animosity are relevant in the boycott context. The paper also shows the different effects and the interplay among the antecedents of religious boycott intention. There is no prior literature that initiates and integrates the antecedents of religious boycott intention using TPB as the base theory.


2018 ◽  
Vol 44 (11) ◽  
pp. 1292-1310
Author(s):  
Benjamin Amoah ◽  
Kwaku Ohene-Asare ◽  
Godfred Alufar Bokpin ◽  
Anthony Q.Q. Aboagye

Purpose The purpose of this paper is to investigate the factors that tend to influence credit union efficiency, specifically examining cost efficiency (CE) and technical efficiency. Design/methodology/approach Using a two-stage method, the authors first estimate CE using Tones’ SBM data envelopment analysis method and technical efficiency in a variable returns to scale setting during the period 2008–2014. The authors estimate a mixed-effects and two-limit Tobit regression to examine the effect of credit union specific characteristics, banking industry and macroeconomic conditions, on efficiency. Findings Credit unions’ CE averaged 38.9 percent compared to 54.4 percent for technical efficiency. The authors find that technical efficiency does not translate into CE and vice versa. Practical implications The authors suggest that when targeting CE, credit union managers would have to make technical efficiency a priority. A monopolized and inefficient banking sector does not challenge efficiency improvement in the credit unions industry. Originality/value This study employs data from a frontier market.


2019 ◽  
Vol 4 (1) ◽  
pp. 78
Author(s):  
Samwel Mwangi Njoroge ◽  
DR. Joyce Nzulwa

Purpose: To establish the factors affecting employee retention in Non-Governmental Organizations in Nairobi County, Kenya.Methodology: The study embraced descriptive research design in order to provide a framework to examine current conditions, trends and status of events. The study targeted the 47 registered Non-Governmental Organizations in Nairobi County, the target population was all the Executive Directors and the Human Resource directors (total=92).  A questionnaire was designed to collect information that contain open ended and closed ended questions. Data was analysed using both descriptive and inferential statistics. This is because descriptive statistics helps to describe the data collected and aim to summarize a sample while inferential statistics are used to interpret the meaning of descriptive statistics besides making propositions about populations and so helps in drawing conclusions.    The filled in questionnaires were collected, cleaned, coded and fed in the computer for analysis by SPSS V22 for both descriptive and inferential statistics.Results: The findings of this study suggested that a clear Leadership positively influences the employee retention in NGO’s in Kenya. The corresponding change in retention can be explained by a unit change in Leadership clarity with the constant. The research found out that Rewards has a positive influence on employee retention in NGO’s in Kenya. The corresponding change in the employee retention in NGO’s in Kenya can be explained by a unit change in Rewards. Rewards determine the organizational strategy.Contributions to policy and practice: Expansion of Leadership space to facilitate access by staff and other stakeholders through allocation of more resources towards development. Rewards play a key role in motivating employees, hence retention in the NGO sector in Kenya. The study recommends more policies developed around rewarding of employees.


Author(s):  
Kai Wah Cheng

Purpose: The aim of this paper is to assess the level and relationship between attitude, perceived behavioral control and subjective norms with waste segregation-at-source behavior among households in Putrajaya, Malaysia. Design/Methodology/Approach: A multi-stage sampling method used to obtain four hundred households in Putrajaya for the purpose of responding to the bilingual questionnaire. The quantitative data collected were analyzed using the IBM SPSS Version 26.0 software. Specifically, the descriptive and Pearson correlation analysis used to describe and summarize the levels and interrelationships of the variables studied with waste segregation-at-source behavior. Findings: The assessment of the overall factors affecting households with waste segregation-at-source behavior has shown that 92.5 per cent of respondents are considered to have a favorable attitude. Households surveyed are also found to be highly influenced by perceived behavioral control but moderately influenced by the subjective norm. In addition, the results show that attitudes, perceived behavioral control and subjective norm have a positive relationship with waste segregation-at-source behavior. Implications/Originality/Value: The findings provide insight, in particular, to individual, governmental, educational and non-governmental organizations in Malaysia on important criteria that should be considered in the promotion of environmental policies.


Author(s):  
Addisalem Genta Gemiya

ICT is used to enhance the overall activities of individuals, administrative processes of businesses and various governmental and non-governmental organizations. Despite its advantage in all aspects of development, it has drawn low attention in expanding the services in general and utilizing the technology in particular. Therefore, this study was aimed to explore the main factors that affected the usage of ICT in Illubabor zone, Ethiopia. A descriptive cross-sectional study design with quantitative and qualitative data collection method was carried out. The data was collected from 195 samples by using structured questionnaires and observations by employing simple random and purposive sampling techniques. SPSS version 16 was used for data analysis. The study confirmed that lack of computer skill training for staff and lack of sufficient budget for the provision of ICT are the major bottlenecks in expanding ICT service in the zone. Major emphasis should be given in enhancing the awareness of government employees to make use of ICT services in their daily official work.


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