Compositional Growth and Variation of Priority Sector Lendings’ (PSL) by Assam Gramin Vikash Bank

2020 ◽  
pp. 296-300
Keyword(s):  
Low Income ◽  
Rural Areas ◽  
Bank Loans ◽  
Poor People ◽  
Annual Growth Rate ◽  
Mean Values ◽  
Reserve Bank ◽  
Significant Difference ◽  
Different Types ◽  
Test Result

Banks in India are directed by the Reserve Bank of India to provide specified proportion (40 percent of adjusted net bank credit) of the bank loans termed as Priority Sector Loans (PSL) to the specified sectors like agriculture and allied activities, micro and small enterprises, poor people for housing, students for education and other low-income segments of the rural population. This is essentially meant for all-round development of the economy as opposed to focusing only on the financial sector. Likewise, Assam Gramin Vikash Bank is a Regional Rural Bank operating in rural areas of Assam meant for serving the needs of the rural populations. Assam Gramin Vikash Bank was successful in attaining the quantitative target prescribed for the RRB i.e. a target of 40 percent lending to the priority sector. The major share of PSL loans (43 percent) goes to the agriculture and allied sectors. The Levene’s test result revealed that there was no significant variation in the two different types of loans provided by the AGVB, namely PSL and other types of loans. Furthermore, the independent t-test result also revealed that there was no significant difference between the mean values of the two different types (PSL and Non-PSL) of loans provided by the AGVB, implying that the share was consistent separately throughout the period 2010-2017. It was found that the amount of PSL loans provided by the AGVB was consistently increasing by `365.9 crores per annum. However, the annual growth rate of the PSL loans, sub-sector wise was found to be declining drastically for all the sectors for the period 2010-2017.

Households Discrimination in School Enrolment in Pakistan: Does gender matter?

2018 ◽  
Vol 2 (1) ◽  
pp. 29-36
Author(s):  
Ali Muhammad ◽  
Zahoor Ul Haq ◽  
Imad Khan
Keyword(s):  
Low Income ◽  
Gender Discrimination ◽  
Rural Areas ◽  
Gender Disparity ◽  
School Enrollment ◽  
Female Education ◽  
Public And Private ◽  
Significant Difference ◽  
Different Types ◽  
Socio Economic Factors

This study uses Pakistan Social and Living Measurement Survey 2016 to study gender discrimination in school enrollment across the four provinces of Pakistan using bi-variate analysis. Results show that there is highly significant difference between male and female education in rural areas (x^2=4940.50 and p<0.05). Analysis indicate that gender disparity in enrollment is significantly higher in low income households (x^2=115.468 and P<0.05). The study also showed that as compared to male, fewer female are enrolled in both public and private sectors. Hence, socio-economic factors play important role in making decision about children enrollment in different types of school. The study recommends that government to take appropriate steps to reduce gender discrimination in school enrollment by offering subsidy on female education in the country.

FINANCIAL INCLUSION THROUGH MICRO FINANCE

2021 ◽  
pp. 1-4
Author(s):  
P. Nagarajan
Keyword(s):  
Developing Countries ◽  
Low Income ◽  
Rural Areas ◽  
Banking Sector ◽  
Financial Inclusion ◽  
Vulnerable Groups ◽  
Poor People ◽  
Resource Base ◽  
Income Groups ◽  
Low Income Groups

Finance has become an essential part of an economy for development of the society as well as economy of nation. World leaders are embracing nancial inclusion at an accelerating pace, because they know that an inclusive nancial system that responsibly reaches all citizens is an important ingredient for social and economic progress for emerging markets and developing countries. Despite the political tailwind, half of the working-age adults globally – 2.5 billion people – remain excluded from formal nancial services. Instead, they have to rely on the age-old informal mechanisms of the moneylender or pawnbroker for credit or the rotating savings club and vulnerable livestock for savings. The pandemic has had a momentous impact on economies and societies around the world. At the same time, it has shown that, with the right approach, it is possible to protect and safeguard the economy. . Through Financial inclusion we can achieve equitable and inclusive growth of the nation. Financial inclusion stands for delivery of appropriate nancial services at an affordable cost, on timely basis to vulnerable groups such as low income groups and weaker section who lack access to even the most basic banking services. It helps in economic development as it widens the resource base of the nancial system by developing a culture of savings among large segment of rural population. Further, nancial inclusion protects their nancial wealth and other resources in exigent circumstances by bringing low income groups within the perimeter of formal banking sector. Financial inclusion engages in including poor people in the formal banking industry with the intention of securing their minimal nances for future purposes. Micronance has become a medium of extending nancial services to unbanked sections of population. Micronance is banking the unbankables, bringing credit, savings and other essential nancial services within the reach of millions of people who are too poor to be served by regular banks, in most cases because they are unable to offer sufcient collateral. In a country like India with almost 30% (more than 360 million) people still below poverty line and according to latest census gures, more than 70% or 840 million people living in rural areas with little or no access to formal banking and other nancial services, micronance has a big role to play in order to bridge this gap. The Micro Finance Institutions occupies key position in nancial inclusion through micro nance where the exclusion. In developing countries, the growth of micronance institutions (MFIs) which specically target low income individuals are viewed as potentially useful for promotion of nancial inclusion. Even though MFIs at present, mainly offer only credit products; as they grow, they are likely to expand their product range to include other nancial services.

scholarly journals Assessing the Correlation between Brick Properties and Firing Hours of Locally Produced Clay-burnt Bricks in Taraba State, Nigeria

2021 ◽  
Vol 6 (1) ◽  
pp. 58-62
Author(s):  
E. J Bassah ◽  
W. K. Joshua
Keyword(s):  
Compressive Strength ◽  
Water Absorption ◽  
Rural Areas ◽  
Low Cost ◽  
Mean Values ◽  
Clay Bricks ◽  
Unit Value ◽  
Study Results ◽  
Significant Difference ◽  
The Mean

The use of burnt-clay bricks is increasing in rural areas because of its availability and low cost. However, the burning of bricks locally at unknown temperatures will likely result in the production of bricks that are unfit for construction purposes. The study assesses the minimum number of days bricks require to attain the minimum stipulated standards for compressive strength and water absorption. The results obtained were compared to the NIS 87: 2000 standards to assess their conformity. From the study results, the mean compressive strength of bricks (1.576 N/mm², 2.306 N/mm², 3.634 N/mm²) at 48, 72 and 96 hours of firing fails to attain the target value of 5N/mm² as stipulated by the NIS building code. However, the mean compressive strength after 120 hours (5.386 N/mm²) attains the stipulated unit value. The water absorption rate displayed similar findings with mean values of 37.12%, 34.2%, 28.88% failing to conform with the stipulated 20% standards. However, the mean of water absorption after 120 hours (21.02%) has no significant difference and hence conforms to the stipulated value. This therefore means that bricks should be burnt far beyond the 120 hours in order to safely conform to 5N/mm² and 20% compressive strength and water absorption respectively.

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.

Role of regulators in intensifying financial access to the untouched segment of society in developing country

2020 ◽  
Vol 4 (1) ◽  
pp. 8-14 ◽  
Author(s):  
Vinay Kandpal
Keyword(s):  
Low Income ◽  
Rural Areas ◽  
Financial Services ◽  
Banking Services ◽  
Reserve Bank ◽  
Investment Opportunities ◽  
Important Barrier ◽  
Ministry Of Finance ◽  
Ease Of Access

India is a country with diversity noticeable in each division of life as well as financial services. The current study examines the initiatives taken by the Ministry of Finance and Reserve Bank of India (RBI) to intensify the accessibility to investment opportunities in financial instruments for the poor or deprived section of society, the initiatives taken in past, present scenario and to recommend the initiatives for the longer term. Households living in rural areas or having low income usually lack access to banking services or financial services. It is tough for these families to save and to arrange financial resources for the longer term. The ease of access and usage of the financial services and products influences the economic health of the individuals as well as of the state. It has been analyzed that the most important barrier towards accessibility of financial service is the psychological and the profitability of banks. There is a requirement for a robust, dynamic research-based business model with regard to an innovative, digitalized and sound economic system.

Rutting Performance of Hot Mix Asphalt Mixture Using Nanopolyacrylate Polymer Modifier

2015 ◽  
Vol 752-753 ◽  
pp. 194-198 ◽  
Author(s):  
E. Shaffie ◽  
J. Ahmad ◽  
D. Kamarun
Keyword(s):  
Asphalt Pavement ◽  
Asphalt Mixture ◽  
Asphalt Mixtures ◽  
Volumetric Properties ◽  
Road Pavement ◽  
Significant Difference ◽  
Different Types ◽  
Polymer Modifier ◽  
Test Result ◽  
Bitumen Modification

Rutting is a common pavement failure in road pavement. Rutting occurs mainly due to several factors including increasing of vehicles numbers, environmental conditions and also due to construction and design errors. As a consequence the service life of asphalt pavement is affected and will be decreased. Various researches reported that using different types of polymers in bitumen modification could be a solution to delay deterioration of asphalt pavement. The main purpose of the study was to investigate the effect of the NPA polymer modifier on the rutting behaviour of the asphalt mixtures through Superpave designed mixtures. . Two different types of dense graded Superpave HMA mix were developed consists of Control mix and nanopolyacrylate (NPA) mix. Results showed that all the mixes passed the Superpave volumetric properties criteria which indicate that these mixtures were good with respect to durability and flexibility. Furthermore there is a significant difference between Control mix and NPA mix in terms of rutting in which rut depth after 8000 passes for Control mix was 5.94 mm while for NPA mix was 2.98 mm. The results of this investigation indicated that the Rutting test result of NPA demonstrates 3% better resistance to rutting than those prepared using Control mix. This is due to the addition of NPA to the bitumen has certainly improved the bitumen properties significantly and hence increase the resistant to rutting of the asphalt mixture. Therefore, it can be concluded that NPA polymer is feasible to be used as asphalt modifier and has potential for improvement in the field of pavement material and construction in future.

scholarly journals Proposed Theoretical Measurement Model for Financial Inclusion with Perspective of Refuge Inhabitants

2018 ◽  
Vol 7 (1) ◽  
pp. 21-25
Author(s):  
S. Sheik Abdullah ◽  
A. Krishna Kumar
Keyword(s):  
Low Income ◽  
Rural Areas ◽  
Financial Literacy ◽  
Financial Services ◽  
Measurement Model ◽  
Financial Inclusion ◽  
Vulnerable Groups ◽  
Poor People ◽  
Supply Side ◽  
Complex Processes

Financial inclusion takes into account the participation of vulnerable groups such as weaker sections of the society and low income groups, based on the extent of their access to financial services such as savings and payment account, credit insurance, pensions etc. Also the objective of financial inclusion exercise is easy availability of financial services which allows maximum investment in business opportunities, education, save for retirement, insurance against risks by the rural individuals and firms. The penetration of financial services in the rural areas of India is still very low. The factors responsible for this condition can be looked at from both supply side and demand side and the major reason for low penetration of financial services is, probably, lack of supply. The reasons for low demand for financial services could be low income level, lack of financial literacy, other bank accounts in the family, etc. On the other hand, the supply side factors include no bank branch in the vicinity, lack of suitable products meeting the needs of the poor people, complex processes and language barriers. There is no studies conducted earlier especially financial inclusion initiatives with refugee inhabitants. Therefore this study was undertaken to propose the model of refugee inhabitants towards financial inclusion initiatives by the banks. The exhibited model consisting four essential factors, which are very useful for measuring financial inclusion practices.

Characteristics, Demographics and Malnutisi of Toddlers in West Papua Province

2021 ◽  
Vol 3 (1) ◽  
pp. 42
Author(s):  
Citra Justicia Emryssyah
Keyword(s):  
Low Income ◽  
Rural Areas ◽  
Health Workers ◽  
Descriptive Analysis ◽  
Secondary Analysis ◽  
Significant Difference ◽  
High Incidence ◽  
Low Education ◽  
West Papua ◽  
Cross Tabulation

<p><strong>Background</strong>: Malnutrition is a problem that occurs in several Indonesian provinces. West Papua Province is one of the provinces where malnutrition occurs. The high incidence of malnutrition will play an important role in human resources so that it will have a major impact on the low generation of the nation in West Papua Province. This study aims to determine the risk factors for malnutrition in West Papua Province. <strong>Methods</strong>: This study uses a secondary analysis of 2018 Basic Health Research data in West Papua Province. The number of samples in this study were 159 babies aged 0-23 months. Measurements using anthropometry with weight /age. Data analysis used cross tabulation descriptive analysis. <strong>Results</strong>: The results of this study showed that there were 107 infants under two years of age who suffered from malnutrition (16.7%) and infants under two years of age who had normal nutrition as many as 534 babies (83.3%). There was no significant difference between sex and age of malnourished infants. There was a relationship between the education of the head of the household (p &lt;0.001), the occupation of the head of the household and the incidence of malnutrition among infants in West Papua Province.</p><p><strong>Conclusion</strong>: Malnutrition cases occur in infants under two years of age with sociodemographic conditions with low education of the head of the household, the head of the household does not work, and lives in rural areas. Health workers in West Papua Province must be more intense in educating heads of households with low education and low income about dietary consumption and parenting patterns in order to reduce the incidence of malnutrition in infants under two years of age.</p>

scholarly journals A three-dimensional measurement method on MR arthrography of the hip to classify femoro-acetabular impingement

2021 ◽  
Author(s):  
Cosimo Nardi ◽  
Luisa De Falco ◽  
Giuseppe Caracchini ◽  
Linda Calistri ◽  
Laura Mercatelli ◽  
...  
Keyword(s):  
Mr Arthrography ◽  
Alpha Angle ◽  
Three Dimensional ◽  
Mean Values ◽  
Anova Test ◽  
3D Measurements ◽  
Center Edge ◽  
Significant Difference ◽  
Different Types ◽  
Mixed Types

Abstract Purpose (1) To investigate correlations between different types of FAI and the ratio of acetabular volume (AV) to femoral head volume (FV) on MR arthrography. (2) To assess 2D/3D measurements in identifying different types of FAI by means of cut-off values of AV/FV ratio (AFR). Materials and methods Alpha angle, cranial acetabular version, acetabular depth, lateral center edge angle, AV, and FV of 52 hip MR arthrography were measured. ANOVA test correlated different types of FAI with AFR. ROC curves classified FAI by cut-off values of AFR. Accuracy of 2D/3D measurements was calculated. Results ANOVA test showed a significant difference of AFR (p value < 0.001) among the three types of FAI. The mean values of AFR were 0.64, 0.74, and 0.89 in cam, mixed, and pincer types, respectively. Cut-off values of AFR were 0.70 to distinguish cam types from mixed and pincer types, and 0.79 to distinguish pincer types from cam and mixed types. Cut-off values identified 100%, 73.9%, and 55.6% of pincer, cam, and mixed types. 2D and 3D classifications of FAI showed accuracy of 40.4% and 73.0%. Conclusions 3D measurements were clearly more accurate than 2D measurements. Distinct cut-off values of AFR discriminated cam types from pincer types and identified pincer types in all cases. Cam and mixed types were not accurately recognized.

scholarly journals Scabies outbreaks during 2019 in Al- Daseem, Al-Rusafa-Baghdad: A retrospective study

2021 ◽  
Vol 63 (2) ◽  
pp. 65-69
Author(s):  
Bashar A. Abdul Razzaq ◽  
Tuka Y. Hassan
Keyword(s):  
Family Member ◽  
Rural Areas ◽  
Skin Diseases ◽  
Age Groups ◽  
Personal Contact ◽  
Poor People ◽  
Age Group ◽  
Increased Risk ◽  
Significant Difference ◽  
History Of

Abstract Background: Scabies is a skin infestation by the Sarcoptes scabiei mite. Scabies is transmitted through close personal contact. Settings like hospitals, prisons and childcare centers are at greater risk of outbreaks. Both male and female may be infected with scabies in any age groups. It is common in tropical climate countries poor people who live in rural areas and among displaced patients. It rises significantly among low economic status because skin diseases are significantly associated with a higher crowding index. Objectives: To estimate the prevalence of scabies in Al- Daseem region and identify factors associated with an increased risk of scabies among patients.   Methodology: A retrospective cross sectional study was carried out about scabies outbreak in Al- Daseem area which located at Al-Rusafa side in Baghdad during 2019. Basic data were obtained from records of communicable disease section/public health director / Al-Rusafa health directorate. All registered cases during 2019 were included in the study, and then data computerized and analyzed using SPSS version 23 using frequency tables for the selected variables under study. Participants represented by students of Ali Al Wardi School (the only school in Al Daseem area) and from people live in this area (20% of them selected randomly). Data included socio-demographic information (age, sex, family member, and treatment). The diagnosis of scabies was based on their typical history of (itching that worsens at night, the distribution of lesions, and a history of contact with other family member infected with scabies).   Results: A total of 11363 participants information were obtained from database, 6473were male and 4873 were female. There were 746 (6.6% of total) participants infected with scabies of them, there were 457 (7%) male patients and 289 (5.9%) female patients. There was significant association between scabies and gender of patients, P=0.018. According to the age groups of patients, there were 161 (6.4%) patients 6 years old, 337 (8.8%) patients within (7-12 years) age group, 82         (6.7%) patients within (13-19 years) age group, and there were 166 (4.3%) patients 20 years old. There was a significant difference between scabies and age group, p<0.001. Of the total patients, there were 622 (85%) patients had another family member infected with scabies. There was a significant association between patients and having another family member infected with it, P<0.001. Conclusion: prevalence of scabies in Al-Daseem region was (6.6%). Scabies was dominant among male, age group of (7-12 years), and having other family member infected with scabies.    Key words:  Scabies, Al-Desame, outbreak, mite, school.

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