Interest-Free Microfinance Arrangements and Its Impact on the Livelihood of Women in India

2021 ◽  
Vol 12 (1) ◽  
pp. 48-48
Author(s):  
Dr Faizan Khan Sherwani ◽  
Sanna Zafar Shaikh ◽  
Zoya Zafar Shaikh
Keyword(s):  
Poverty Alleviation ◽  
Well Being ◽  
Study Data ◽  
Living Standards ◽  
Women Empowerment ◽  
Education Development ◽  
Women's Participation ◽  
The Impact ◽  
Women In India ◽  
Better Than

This study is based on the impact of interest-free microfinance arrangements on the livelihood of women in India. Studies revealed the existence of interest-free microfinance, as well as its outcome on the livelihood of weaker sections of society (particularly women), improved their well-being. Moreover, the interest-free microfinance model can also offer an alternative paradigm for millions of poor individuals who are currently not accommodated by conventional microfinancing. However, the association to Interest Free Micro Financing may be due to religious constraints, easy documentation & procedure, and low rates of processing fees, or any other motive. Interest-free microfinance products like Zakat, Sadaqah, and Karze Hasna will successfully meet micro financing core objectives of poverty alleviation, women empowerment, gender equality, prosperity, and employment. Interest-free microfinance agencies are working as unorganized institutions and not availing any support from the State. In this study, data was drawn from interest-free microfinance users in the areas of 20 districts in 5 states in India, namely UP, Bihar, Maharashtra, Karnataka, and Kerala. The discussions in the study are mainly concerned with the empirical review of the impacts and influences of interest-free microfinance on the lifestyle of microfinance users before a loan and after a taken loan i.e., their income, expenditure, saving, entrepreneurship, consumption, and women's participation in earning income in India. The analysis showed that the performance of interest-free microfinance consumers is better than conventional microfinance consumers. Keywords: Entrepreneurship, Livelihood, Education Development, Living Standards, Women Empowerment

Interest-Free Microfinance Arrangements and Its Impact on the Livelihood of Women in India

2021 ◽  
Vol 6 (2) ◽  
pp. 98-107
Author(s):  
Faizan Khan Sherwani ◽  
Sanaa Zafar Shaikh ◽  
Zoya Zafar Shaikh
Keyword(s):  
Financial Literacy ◽  
Poverty Alleviation ◽  
Well Being ◽  
Jel Classification ◽  
Literacy Skills ◽  
Women Empowerment ◽  
Education Development ◽  
Women's Earnings ◽  
The Impact ◽  
Women In India

Objective –The purpose of this study is to examine the impact of interest-free microfinance arrangements on the livelihood of women in India. Studies reveal that the existence of interest-free microfinance, as well as its outcome on the livelihood of weaker sections of society (particularly women), overall improved their well-being. Methodology –Exploratory and cross-section analysis is used to understand the satisfaction level among non- conventional microfinance arrangements. Survey of non-conventional microfinance beneficiaries exposes the status of women’s’ earnings, financial literacy, skills development, employment generation, household savings and poverty alleviation. Findings–Interest-free microfinance products like Zakat, Sadaqah, and KarzeHasna will successfully meet micro- financing core objectives of poverty alleviation, women empowerment, gender equality, prosperity, and employment. The analysis showed that the performance of interest-free microfinance consumers is better than conventional microfinance consumers. Novelty –This study is an original which is based on the demographic, sociocultural and regulatory framework of interest-free micro finance systems to identify the acceptability in the Indian financial system. The discussions in the study are mainly concerned with the empirical review of the impact and effect of interest-free microfinance on the lifestyle of female microfinance users after obtaining a loan i.e., their income, expenditure, saving, entrepreneurship, consumption, and women participation in earning income in India. Type of Paper: Empirical JEL Classification: G20, G21. Keywords: Entrepreneurship; Livelihood; Education Development; Living Standards; Women Empowerment

Health Information Systems and Their Usefulness Among the Women Folk of Kanyakumari District, India

2018 ◽  
pp. 36-49
Author(s):  
R. Gnanabai
Keyword(s):  
Health Information ◽  
Information Needs ◽  
Health Information System ◽  
Well Being ◽  
Individual Growth ◽  
Growth And Survival ◽  
The Family ◽  
The Status ◽  
The Impact ◽  
Women In India

This chapter describes how health is the most precious component for the happiness and all-round development of human being in the society. Alongside this, information is an important resource for individual growth and survival. Therefore, a Health Information System (HIS) is a system for collecting/processing of data from various sources, and using the information for policy-making and management of health services. This chapter discusses health literacy and its association with health information needs and health information literacy, the status of women in India and their influence in the well-being of the family, and the impact of HIS. This chapter also proves that with enough data obtained from the women of Kanyakumari District in India, the government's policy needs to be directed towards women for the success of its health-care programmes.

Conflict Segments of Women Employees of IT Sector in India

2012 ◽  
Vol 3 (1) ◽  
pp. 42-53 ◽  
Author(s):  
Aiswarya Balachandar ◽  
Ramasundaram Gurusamy
Keyword(s):  
Family Conflict ◽  
Well Being ◽  
Work Family Conflict ◽  
Moderating Variables ◽  
Women Employees ◽  
The Family ◽  
Work Family ◽  
The Impact ◽  
The Relationship ◽  
Women In India

The growth rate for women entering the workforce is expected to be greater than for men. Therefore it is possible that the financial well-being of the family may no longer fall to the male, it may be shared between the two partners or may be the sole responsibility of a single parent. These trends potentially increase the chance that work could interfere with family (WIF) or that family could interfere with work (FIW).The study is conducted to test the Impact of Organizational Commitment, Job Autonomy, Job Involvement and Climate as moderating variables on Work Family Conflict of Employed women in India. The sample size of 598 is identified and with the application of statistical tools the relationship among the said variables are estimated and its role on the Work family conflict is studied quantitatively.

scholarly journals The Impact of the Brexit on the Living Standards and Quality of Life in Britain

2020 ◽  
Vol 16 (2) ◽  
pp. 51-60
Author(s):  
Yefim S. Khesin
Keyword(s):  
Quality Of Life ◽  
European Union ◽  
Great Britain ◽  
Social Life ◽  
Transition Period ◽  
Well Being ◽  
Living Standards ◽  
The Uk ◽  
The Impact

The Object of the Study. Living standards and quality of life of the population in Great Britain. The Subject of the Study. The Brexit. The Purpose of the Study is exposing the impact of the Brexit on the living standards and quality of life in the country. The Main Provisions of the Article. Following a June 2016 referendum on continued European Union membership in which 52% voted to leave and 48% voted to stay the UK government announced the country's withdrawal from the EC (Brexit). In March 2017 it formally began the withdrawal process. The withdrawal was delayed by deadlock in the UK parliament. Having failed to get her agreement with the EC approved, Theresa May resigned as Prime Minister in July 2019 and was succeeded by Boris Johnson, an active supporter of the Brexit. An early general election was then held on 12 December. The Conservatives won a large majority. As a result, the parliament ratified the withdrawal agreement, and the UK formally left the EU on 31 January 2020. This began a transition period that is set to end on 31 December 2020, during which the UK and EU will negotiate their future relationship. The first round of negotiations between London and Brussels began in March 2020. The author investigates the consequences of the withdrawal of Great Britain from the EC on the living standards and quality of life, economic situation, labour market, social policy of the government. in this country. It analyzes on the impact of the Brexit on the major elements of human capital: education, science, health, living conditions, ecology. It found that short-term forecasts of what would happen immediately after the Brexit referendum were too pessimistic. Nowadays it is very difficult to give an accurate estimate of the future effect of the Brexit on cost of living in Great Britain – many essential issues in the relations between the UK and the EC remain open. Besides, the coronavirus crisis and lockdown measures may cause the grave damage to growth and jobs. Much evidence shows that in the medium- and long-term leaving the European Union damage the British economy and thus reduce the UK's real per-capita income level and may adversely affect jobs and earnings, income and wealth, life expectancy, education and skills, academic research, health status, environmental quality and subjective well-being in the UK. Finally, the author analyses the impact on the economic and social life in Great Britain of different Brexit scenarios after the end of the transition period. The consequences will differ sharply depending on whether the UK does a Soft or Hard (no deal) Brexit.

scholarly journals People adaptively use information to improve their internal and external states

2021 ◽  
Author(s):  
Irene Cogliati Dezza ◽  
Christina Maher ◽  
Tali Sharot
Keyword(s):  
Information Seeking ◽  
Adaptive Strategy ◽  
Well Being ◽  
Subjective Expectations ◽  
Total N ◽  
Internal States ◽  
Affect And Cognition ◽  
Standard Models ◽  
The Impact ◽  
Better Than

Information can strongly impact peoples’ affect, their level of uncertainty and their decisions. It is assumed that people seek information with the goal of improving all three. But are they successful at achieving this goal? Answering this question is important for assessing the impact of self-driven information consumption on people’s well-being. Here, over four experiments (total N = 518) we show that participants accurately predict the impact of information on their internal states (e.g., affect and cognition) and external outcomes (e.g., material rewards), and use these predictions to guide information-seeking choices. A model incorporating participants’ subjective expectations regarding the impact of information on their affective, cognitive, and material outcomes accounted for information-seeking choices better than standard models currently used in the literature, which include objective proxies of those subjective measures. This model also accounted for individual differences in information-seeking choices. By balancing considerations of the impact of information on affective, cognitive and material outcomes when seeking knowledge, participants became happier, more certain and earned more points when they purchased information relative to when they did not, suggesting they adopted an adaptive strategy.

scholarly journals The Impact of COVID 19 Biological Emergencies on Child Education in East Delhi, India

2020 ◽  
pp. 429-441
Author(s):  
Anjali Diwakar
Keyword(s):  
Policy Development ◽  
Treatment Guidelines ◽  
School Attendance ◽  
Well Being ◽  
Quality Education ◽  
Viral Diseases ◽  
Education Development ◽  
Qualified Personnel ◽  
Access To Food ◽  
The Impact

<p>The increase in viral diseases intensity and frequency poses a threat to community infrastructure and affects the total well-being of children in regard to: access to food, health, school attendance, access to clean water and sanitation, physical and social security. Using both qualitative and quantitative data, this article provided an overview of biological disasters and their potential effects on children’s access to quality education in East Delhi. The purpose of the study was to analyse school children’s specific vulnerabilities to biological disasters that need to be taken into account in policy development. Research indicated that viral diseases cause loss of learning hours, loss of qualified personnel, outbreak of airborne diseases, high absenteeism and low syllabus coverage leading to children’s poor academic performance. Children noted a range of experiences, from food insecurity to being withdrawn from school and sometimes forced into early marriages. These challenges compromise children’s rights and access to quality education. This article therefore recommended that a culture of safety be promoted through disaster education, development of good medical facilities and enforcement of medical treatment guidelines. Findings also supported the need for adaptation strategies to ensure that the risks specific to school children are addressed.</p>

scholarly journals CovidLife: a resource to understand mental health, well-being and behaviour during the COVID-19 pandemic in the UK

2021 ◽  
Vol 6 ◽  
pp. 176
Author(s):  
Chloe Fawns-Ritchie ◽  
Drew M. Altschul ◽  
Archie Campbell ◽  
Charlotte Huggins ◽  
Clifford Nangle ◽  
...  
Keyword(s):  
Mental Health ◽  
Well Being ◽  
Study Data ◽  
Future Health ◽  
Health Records ◽  
Psychological Measures ◽  
Health Lifestyle ◽  
Generation Scotland ◽  
The Uk ◽  
The Impact

CovidLife is a longitudinal observational study designed to investigate the impact of the COVID-19 pandemic on mental health, well-being and behaviour in adults living in the UK. In total, 18,518 participants (mean age = 56.43, SD = 14.35) completed the first CovidLife questionnaire (CovidLife1) between April and June 2020. To date, participants have completed two follow-up assessments. CovidLife2 took place between July and August 2020 (n = 11,319), and CovidLife3 took place in February 2021 (n = 10,386). A range of social and psychological measures were administered at each wave including assessments of anxiety, depression, well-being, loneliness and isolation. Information on sociodemographic, health, and economic circumstances was also collected. Questions also assessed information on COVID-19 infections and symptoms, compliance to COVID-19 restrictions, and opinions on the UK and Scottish Governments’ handling of the pandemic. CovidLife includes a subsample of 4,847 participants from the Generation Scotland cohort (N~24,000, collected 2006-2011); a well-characterised cohort of families in Scotland with pre-pandemic data on mental health, physical health, lifestyle, and socioeconomic factors, along with biochemical and genomic data derived from biological samples. These participants also consented to their study data being linked to Scottish health records. CovidLife and Generation Scotland data can be accessed and used by external researchers following approval from the Generation Scotland Access Committee. CovidLife can be used to investigate mental health, well-being and behaviour during COVID-19; how these vary according to sociodemographic, health and economic circumstances; and how these change over time. The Generation Scotland subsample with pre-pandemic data and linkage to health records can be used to investigate the predictors of health and well-being during COVID-19 and the future health consequences of the COVID-19 pandemic.

scholarly journals The impact of flood disasters on child education in Muzarabani District, Zimbabwe

2014 ◽  
Vol 6 (1) ◽  
Author(s):  
Chipo Mudavanhu
Keyword(s):  
Policy Development ◽  
School Attendance ◽  
Well Being ◽  
Quality Education ◽  
Waterborne Diseases ◽  
Education Development ◽  
Qualified Personnel ◽  
Flood Disasters ◽  
Flood Intensity ◽  
The Impact

The increase in flood intensity and frequency poses a threat to community infrastructure and affects the total well-being of children in regard to: access to food, health, school attendance, access to clean water and sanitation, physical and social security. Using both qualitative and quantitative data, this article provided an overview of flood disasters and their potential effects on children’s access to quality education in Zimbabwe. The purpose of the study was to analyse school children’s specific vulnerabilities to flood disasters that need to be taken into account in policy development. Research indicated that floods cause loss of learning hours, loss of qualified personnel, outbreak of waterborne diseases, high absenteeism and low syllabus coverage leading to children’s poor academic performance. Children noted a range of experiences, from food insecurity to being withdrawn from school and sometimes forced into early marriages. These challenges compromise children’s rights and access to quality education. This article therefore recommended that a culture of safety be promoted through disaster education, development of good road networks and enforcement of building codes during construction of school infrastructure. Findings also supported the need for adaptation strategies to ensure that the risks specific to school children are addressed.

scholarly journals Psychosocial Impact of Joblessness Due to Covid-19 Pandemic: A Case of Hotel Workers from The Philippines

2021 ◽  
Vol 2 (2) ◽  
pp. 59-70
Author(s):  
Mike Haizon M. David, MSHRM ◽  
Alfer S. Sanchez, CHP, MSHTM ◽  
Ilyn M. Mendoza, MSHRM
Keyword(s):  
Hospitality Industry ◽  
Well Being ◽  
The Philippines ◽  
Study Data ◽  
Psychosocial Impact ◽  
Point Of View ◽  
Qualitative Research Design ◽  
Luxury Hotels ◽  
Hotel Workers ◽  
The Impact

The hospitality industry faced extraordinary challenges as opposed to the pandemic that causes the decrease of occupancy rate until 4% for economy hotels and 15% for luxury hotels. This condition affects to joblessness of the hotel workers. The study focuses on the psychosocial impact of joblessness due to the covid-19 pandemic on the hotel workers.  A qualitative research design was used in this study. Data gathered was from the point of view of the hotel workers of the industries done through interviews online. The implication of the study reveals the challenges brought by this pandemic are mostly loss of revenues leading to employee layoffs. The study reveals that despite the pandemic faced by the industries, the resiliency of Filipinos was evidently seen. Furthermore, the hospitality industry distinguished the impact of Covid-19 on the well-being of hotel workers. Thus, results from this study can be used by companies to develop a more efficient coping mechanism for unforeseen situations like pandemics and any other circumstances unpredicted by humankind.

scholarly journals The Impact of COVID-19 on Economic Well-Being and Health Outcomes Among Transgender Women in India

2021 ◽  
Author(s):  
Venkatesan Chakrapani ◽  
Peter A. Newman ◽  
Aleena Sebastian ◽  
Shruta Rawat ◽  
Murali Shunmugam ◽  
...  
Keyword(s):  
Health Outcomes ◽  
Well Being ◽  
Transgender Women ◽  
The Impact ◽  
Women In India ◽  
Economic Well Being
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