Sustainability of Microfinance Institutions in India

2018 ◽  
pp. 257-274
Author(s):  
Kabita Kumari Sahu
Keyword(s):  
Achievement Motivation ◽  
Training Programs ◽  
Secondary Data ◽  
Primary Data ◽  
Age Group ◽  
Microfinance Institutions ◽  
Economic Activities ◽  
Market Linkage ◽  
Medium Level ◽  
And Training

The objective of the chapter is to analyze the performance and constraints of selected occupation-related SHGs in India and examine the sustainability of SHGs providing microfinance on the basis of secondary data and primary data from Kendrapara district of Odisha, India. It is observed that majority of the SHG members are in young age group with low level of literacy, small and medium level of land holding, medium level of dependency ratio, forming experience, family encouragement, deferred gratification, risk willingness achievement motivation, and economic activities. The major variables that have contributed for enhancing the performance of SHGs are family encouragement, risk willingness, achievement motivation, extension participation, extension contact, and training programs. In order to enhance further motivation and build confidence, proper market linkage and training programs need to be established. Further, to ensure sustainable development of SHGs in future, federation of SHGs can be thought of by the implementing agency.

A Study On Employee Perception On Effectiveness Of Training Programs In Myanmar Citizens Bank

2019 ◽  
Vol 118 (11) ◽  
pp. 603-618
Author(s):  
ZawZawMyint ◽  
Sandeep Poddar ◽  
Abhijit Ghosh ◽  
Amiya Bhaumik
Keyword(s):  
Research Method ◽  
Training Programs ◽  
Secondary Data ◽  
Employee Perceptions ◽  
Annual Reports ◽  
Primary Data ◽  
Roles And Responsibilities ◽  
Descriptive Research ◽  
Effectiveness Of Training ◽  
And Training

In banking industries, employees are entrusted with different roles and responsibilities, and training enables them to carry out these roles and responsibilities efficiently by let them to learn new things. Moreover, it will prepare them to take up higher responsibilities in the future. Therefore, this study focuses to analyze the employee perceptions on effectiveness of Training Programs in Myanmar Citizens Bank (MCB).  By using the descriptive research method, primary data are collected from the responsible persons and employees of MCB in head office, branches. Secondary data are gathered and scrutinized from relevant text books, records and annual reports from MCB. The research revealed that there are four kinds of training programs in MCB. Moreover, this paper revealed that MCB successfully delivered its training programs in year 2015 to 2018 and the trainees have positive perceptions on effectiveness of training programs in MCB. Based on these results, this paper pointed out the important facts that can give improvement actions for effective and efficient training programs in Myanmar Citizen Banks.

Effects of Financial Innovations on Profitability for Deposit Taking Microfinancing Institutions in Kenya

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  
Keyword(s):  
Financial Institutions ◽  
Positive Relationship ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Statements ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Financial Innovations ◽  
Strong Positive Relationship

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.

scholarly journals HUBUNGAN KINERJA DAN MANFAAT KOPERASI PERTANIAN DI KABUPATEN KOLAKA

Agro Ekonomi ◽  
2017 ◽  
Vol 24 (1) ◽  
pp. 71
Author(s):  
Ilma Sarimutaqiyma Rianse ◽  
Slamet Hartono ◽  
Any Suryantini
Keyword(s):  
Secondary Data ◽  
Social Benefit ◽  
Sem Analysis ◽  
Primary Data ◽  
Financial Report ◽  
Cooperative Development ◽  
Economical Benefit ◽  
Economy Benefit ◽  
Development Orientation ◽  
And Training

This research aimed at investigating : (1) the analysis of cooperation based on agricultural criterion in Kolaka District based on cooperation performance analysis based on agricultural criterion in Kolaka District according to cooperative development orientation and cooperation classification orientation; (2) the cooperation performance based on farmer’s perception and cooperation apparatus; (3) find out the benefit found by the farmer  as the member; (4) the analysis of correlation between performance and benefit obtained by farmer as cooperation member. This research applied analytical method. The data used consists of primary and secondary data. Primary data in this research is taken from questioner answer returned by cooperation apparatus respondent and stakeholders who asses the performance and benefit from 10 Agriculture Cooperation of Kolaka District. Secondary data obtained were as: (a) the data of financial report or the balance 10 Agriculture Cooperation in Kolaka District year 2006-2010, (b) the data of profit and loss data 10 Agriculture Cooperation in Kolaka District year 2006-2010. The research finding shown that based on Cooperation Cllasification Orientation, the Agriculture Cooperation in Kolaka District in average was 61.58 in 2007 and included quite good category. In 2008, the average of the cooperation performance was 62.05 and included in quite good category. In 2009 the average of cooperation performance was 62.38 and included in quite good category. In 2010 the average of cooperation  performance was 61.28 and include in quite good category. Then, majority of cooperation apparatus and stakeholders asses that agriculture cooperation in Kolaka District include in quite good criteria that is 48.75%. furthermore, majority of respondents asses that agriculture cooperation in Kolaka District is beneficial, that is 65%. Based on SEM analysis, the correlation of agriculture cooperation performance positively correlates with the finding benefit by farmers. The correlation of coefficient value  of 0.85 has statistical value 14.40. the correlation of standardization value of 0.85 shows the performance and beneficial agriculture cooperation which brings the real correlation. Sequentially, the performance components give the biggest to smallest con tribution that is, caring towards the community is 0.86. the component of voluntary and opened membership is 0.80. the controlling by member democratically is 0.79. the economically participant of the member is 0.71. the education and training give contribution to 0.25. then to components of cooperation benefit sequentially give the biggest to smallest contribution that is marketing economy benefit is 0.96. credit benefit is 0.88. economical benefit of farmer necessity is 0.86. the contribution to social benefit is 0.48.

scholarly journals IMPACT OF KVK IN DOUBLING FARMERS INCOME IN SITAPUR DISTRICT OF UTTAR PRADESH

2021 ◽  
Vol 8 (9) ◽  
pp. 92-105
Author(s):  
Ritesh Kumar Yadav ◽  
Jahanara Jahanara
Keyword(s):  
Agricultural Sector ◽  
Uttar Pradesh ◽  
Secondary Data ◽  
Learning By Doing ◽  
Primary Data ◽  
Technology Generation ◽  
Farming Community ◽  
Medium Level ◽  
High Level ◽  
The Impact

More than half of Indian population were engaged in agricultural sector but the available technology doesn’t ensure food security of the country. Hence, to diffuse new agricultural invention and innovation in the farming community, there arises a need for effective medium for transfer of technology. Thus, KVK bridges the gap between the technology generation and dissemination. The present study was proposed to understand the impact of KVK in doubling farmers income to formulate suitable programmes. For the study, descriptive research design was adopted. 120 respondents from Biswan taluk of Sitapur district of Uttar Pradesh were selected as respondents. Primary data collected from respondents and secondary data from available literatures. The findings revealed that majority of the respondents were middle aged, illiterate, upto 5 members in their family, medium level of annual income, possesses their own land, agriculture as their main occupation, medium level of mass media exposure, office bearer in one organization, high level of extension contact. Meanwhile, more than half of the respondents had reported medium level of impact towards the activities carried out by KVK, beneficiary selection is not unbiased is a major constraint suggested that maximum emphasis should be given on learning by doing.

ANALISIS MULTIPLAYER EFFECT KEBERADAAN PELABUHAN PERIKANAN TERHADAP EKONOMI USAHA KULINER DI PANGKALAN PENDARATAN IKAN BEBA, KEC. GALESONG UTARA, KAB. TAKALAR

2021 ◽  
Vol 4 (1) ◽  
pp. 74-90
Author(s):  
Muh Ramli ◽  
Danial Sultan ◽  
Ihsan Ihsan
Keyword(s):  
Impact Analysis ◽  
Local Community ◽  
Secondary Data ◽  
Primary Data ◽  
Type I ◽  
Economic Activities ◽  
Multiplier Effect ◽  
The Status ◽  
Income Multiplier ◽  
Multiple Impact

This study aims to identify the types of economic activity, characteristics and perceptions of visitors, business actors, labor towards culinary businesses and to determine the multiplier effect and sustainable development strategies for culinary businesses on the economic growth of local communities. This research was conducted from November 2020 to January 2021 at the Beba Fish Landing Base, Galesong Utara, Takalar Regency. This research uses simple random sapling technique. The data of this study consisted of primary data and secondary data. Data collection was carried out using questionnaires and field observations then analyzed descriptively and multiple impact analysis (Multiplier Effect) then analyzed using a SWOT analyst. Based on the research results, there are two types of economic activities in PPI Beba, namely, fishery activities and supporting activities (culinary business) of food made from fish as the main ingredient. In general, visitors who come to PPI Beba are aged between 45 years and over with the majority of jobs being civil servants with 51% of the total visitors as a whole the rest are entrepreneurs. While the majority of business actors are women in the age range of 40 - 50 years and over. Meanwhile, 81.8% of the culinary business workforce are women with the highest level of education in Elementary Schools. In general, the three recipes gave an assessment of the PPI Beba condition which was far from good. is the main business. The characteristics of the workforce are 74.3% female and 25.7% male, with the status of 65.7% being married and ages ranging from 28 - 45 years. And in general, visitors have a perception or give a moderate to good assessment of the accessibility to PPI Beba. Culinary efforts at PPI Beba have a real economic impact on the local community. The economic impacts arising from these activities are direct impacts, indirect impacts, and induce impacts as measured by the multiplier effect value, where the results of this study obtained a multiplier effect value of 2.15 for the Keynesian Income Multiplier; 1.10 for the income multiplier type I ratio, and 1.14 for the income multiplier type II ratio. This shows that the culinary business at PPI Beba can be developed into culinary tourism to see the opportunities that exist.

scholarly journals Profil Penderita Hemoroid di Rumah Sakit Islam Siti Rahmah Padang Sumatera Barat Periode 2016-2017

2020 ◽  
Vol 2 (2) ◽  
pp. 37-41
Author(s):  
Sindy Sekarlina ◽  
M Nurhuda ◽  
Sriwahyuni Sriwahyuni
Keyword(s):  
Medical Record ◽  
Distal Part ◽  
Secondary Data ◽  
Simple Random Sampling ◽  
Primary Data ◽  
Age Group ◽  
Medical Record Data ◽  
Patient Interview ◽  
Internal Hemorrhoids ◽  
Record Data

Hemorrhoids (wasir) are widening of  venous artery plexus surrounding the distal part of the rectum and  canal anal. However, most people don’t know about the symptoms that arise from disease. Medical record data from  RSUP Dr.  M. Djamil Padang, noted that sufferers of Hemorrhoids disease in 2009  were 244 people,  from 2015 to 2016 there were an increase of  75 to 109 cases.This aims to knowing profile of hemorrhoids patients in Islamic Siti Rahmah Padang Hospital in 2016-2017 years. The study is descriptive by using secondary data from patient’s medical record and primary data from patient interview. Conducted at medical record at RSI Siti Rahmah  Padang from November 2018 - February 2019, the population are 45 samples by simple random sampling technique.The results showed that the highest age group was the age group 15-44 years (60%), the highest sex male (57,8%), internal hemorrhoids classification  (88.9%), III and IV degrees  with each there were (42,2%). A history was pain (100%) and followed by a lumpof (97,77%), defecation position is sitting (55.5%), and constipation (95.6%).

scholarly journals Examining Credit Screening Criteria’s: Evidence from Five Selected Microfinance Institutions in South West Ethiopia, Oromiya Region, Jimma Town

2020 ◽  
pp. 53-62
Author(s):  
Kefiyalew Belachew Bayu ◽  
Dagnachew Abera Hunde
Keyword(s):  
Default Risk ◽  
Secondary Data ◽  
Primary Data ◽  
Microfinance Institutions ◽  
South West ◽  
Microfinance Institution ◽  
Inquiry Method ◽  
Loan Growth ◽  
South West Ethiopia ◽  
Jimma Town

The ability of MFI's to formulate and adhere to policies and a procedure that promotes credit quality and curtails non-performing loans is the means to survive in the stiff competition. Inability to create and build up quality loans and creditworthy customers lead to default risk and bankruptcy as well as hampers economic growth of a country. This study of credit screening– A Case Study on Microfinance Institution in South West Ethiopia, Jimma Town is an attempt to indicate the criteria that MFI’s should take in credit screening. Thus, the rationale behind for undertaking this study is to deeply examine and screen the credit criteria and to suggest the possible solutions that enable the MFI’s to run its operation most safely as credit is known to be the mainstay of all MFI. For the study, both primary and secondary data were used. Primary data was collected using structured questionnaires and in-depth- interview and Qualitative approach were adopted. Hence, the nature of the study is descriptive and it is related to qualitative analysis method. The census or total universe inquiry method was applied since the study is the easily manageable and the total number of population in the MFI was less than 30. Finally, based on the findings possible recommendations were given. These include the issues impeding loan growth and rising loan clients complaint on the MFI regarding the valuing of feature offered for collateral, lengthy of loan processing, amount of loan processed and approved, loan period as well as the amount, and discretionary limits are currently affecting the performance of credit screening and management.

scholarly journals THE SHARIA MICROFINANCE AND THE COUNTER-HEGEMONIC MOVEMENT: EXAMINING THE LEGAL NORMS REGULATING ASPECTS OF INSTITUTIONAL AND BUSINESS ACTIVITIES IN SURAKARTA

2019 ◽  
Vol 7 (3) ◽  
pp. 45-51
Author(s):  
Kelik Wardiono ◽  
Wardah Yuspin
Keyword(s):  
Islamic Law ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Business Incubation ◽  
Legal Norms ◽  
Positive Law ◽  
Library Studies ◽  
Depth Interviews

Purpose of study: Research aims at the study of legal norms that are formed and used to regulate the institutional aspects and business activities of the Islamic Micro Finance (LKMS) as well as the counter-hegemonic movement that lies behind them. Methodology: This research employs qualitative approach, which based on secondary data in the form of written documents, collected through library studies and primary data from informants, collected through in-depth interviews and observations in four LKMS in Surakarta LKMS Al-Huda UNS, LKMS Al-Abidin, LKMS AmanahUmmahUMS, LKMS Al-Muayyad. Results: The Legal norms established and used to regulate the institutional and business aspects of the four Sharia Microfinance Institutions in Surakarta show that there are certain aspects in common, and differences on the other. The norms used in regulating the institutional and business aspects of Sharia Microfinance Institutions in Surakarta show a mixture of norms in Islamic law and the MUIs Fatwa, the Norms (in positive law) governing banks, financing institutions, partnerships, and cooperatives, with elements of the more prominent Islamic law. Applications: The existence of the equations of the norms used in the background by the existence of counter-hegemonic movement built by The Small Business Incubation Center (PINBUK), which has passed through the corporate phase but has not exceeded the hegemonic phase. While the differences of norms used, due to the different degrees of cultural penetration of each Sharia Microfinance Institutions against the hegemonic movement driven by PINBUK.

scholarly journals Pengelolaan Sektor Perkebunan Kelapa Sawit dari Perspektif Program Kepedulian Sosial di Kecamatan Kamipang Kabupaten Katingan

2017 ◽  
Vol 3 (2) ◽  
pp. 1-4
Author(s):  
Leda Almuqsith ◽  
Kartiansyah Kartiansyah
Keyword(s):  
Oil Palm ◽  
Secondary Data ◽  
Sampling Technique ◽  
Economic Conditions ◽  
Primary Data ◽  
Economic Activities ◽  
Oil Palm Plantation ◽  
The People ◽  
Plantation Company ◽  
The Impact

This study aims to determine the impact of the existence of palm oil plantations on the socio-economic conditions of the people in Kamipang District, Katingan District. The type of data used in this study is secondary data obtained from BPS, Sub-District Offices, village/district, and the private sector and primary data obtained directly from different respondents in Kamipang Subdistrict to determine the number of samples used by purposive sampling technique or sampling. intentionally that is equal to 20% of the total population or as many as 30 respondents. The results of the study show that the management of oil palm plantations has an impact on social conditions that are very influential, namely after the existence of the oil palm plantation company PT Arjuna Utama Sawit. The impact is such as access to education in Kamipang Subdistrict, new economic activities such as lodging, restaurants, crossing services, and salons. After the existence of a coconut plantation company, PT. Arjuna Utama Sawit, those who were previously less prosperous are now more prosperous. They arrived at zero economic conditions, the impact of the existence of a sick coconut plantation company, PT. Arjuna Utama Sawit for economic conditions greatly affects that is after the existence of oil palm plantation companies PT. Arjuna Utama Sawit compared to the existence of a plantation company PT. Arjuna Utama Sawit.

scholarly journals Pola Hidup Penderita Hipertensi di Desa Duata Karya Kecamatan Masama Tahun 2021

2021 ◽  
Vol 12 (2) ◽  
Author(s):  
Pipin Kumalasari ◽  
Marselina Sattu ◽  
Mirawati Tongko ◽  
Ramli Bidullah ◽  
Nurhendra Gunawan ◽  
...  
Keyword(s):  
Risk Factors ◽  
Diastolic Pressure ◽  
Univariate Analysis ◽  
Coffee Consumption ◽  
Secondary Data ◽  
Primary Data ◽  
Age Group ◽  
Salt Consumption ◽  
Descriptive Research ◽  
Spiral Type

Hipertensi adalah peningkatan tekanan darah sistolik sedikitnya 140 mmHg dan tekanan diastolik sedikitnya 90 mmHg. Sesuai dengan data di wilayah kerja Puskesmas Tangeban Kecamatan Masama tahun 2020, bahwa Desa Duata Karya merupakan satu-satunya Desa yang penyakit hipertensi tertinggi. Penelitian ini bertujuan untuk mengetahui pola hidup penderita hipertensi di Desa Duata Karya Kecamatan Masama menggunakan jenis penelitian deskriptif, menggunakan total sampling. Pengumpulan data berdasarkan data primer dan data sekunder. Pengolahan data menggunakan program SPSS. Analisis dalam penelitian ini menggunakan analisis univariat dan di sajikan dalam bentuk tabel yang menggambarkan penyajian data dalam bentuk distribus frekuensi. Hasil penelitian menunjukkan bahwa faktor risiko tidak dapat di modivikasi yaitu jenis kelamin responden terbanyak pada jenis kelamin perempuan (59,8%), umur terbanyak adalah golongan umur 61 tahun keatas (58,5%), faktor risiko keturunan sebagian besar responden tidak memiliki keturunan (43,9%), dan untuk faktor risiko yang dapat di modivikasi mendapatkan hasil bahwa penggunaan kontrasepsi oral sebanyak  (6,5%) responden dan kontrasepsi terbanyak yang digunakan adalah kontrasepsi jenis spiral sebanyak  (54,3%), faktor risiko konsumsi garam lebih pada responden sebanyak 71 responden (86,6%), faktor risiko konsumsi kopi sebagian besar mengkonsumsi kopi (84,1%). Untuk itu di harapkan kepada masyarakat untuk tetap menjaga pola hidup dengan mengurangi konsumsi garam berlebihan, tidak mengkonsumsi alkohol, dan mengurangi konsumsi kopi Hypertension is an increase in systolic blood pressure of at least 140 mmHg and diastolic pressure of at least 90 mmHg. In accordance with the data in the working area of Tangeban Health Center masama subdistrict in 2020, that Duata Karya Village is the only village with the highest hypertension disease. This study aims to find out the lifestyle of people with hypertension in Duata Karya Village masama subdistrict using a type of descriptive research, using total sampling. Data collection based on primary data and secondary data. Data processing using the SPSS program. The analysis in this study uses univariate analysis and is presented in the form of a table that describes the presentation of data in the form of frequency distribution. The results showed that the risk factors that cannot be modivikasi are the sex of the respondents mostly in the female sex (59.8%), the most age is the age group 61 years and above (58.5%), the risk factors of heredity most of the respondents do not have offspring (43.9%), and for risk factors that can be modivikasi get the result that the use of oral contraceptives as much as (6.5%) respondents and the most contraceptives used are spiral type contraceptives se many (54.3%), risk factors for more salt consumption in respondents as many as 71 respondents (86.6%), risk factors for coffee consumption mostly consumed coffee (84.1%). For this reason, it is expected to keep the lifestyle by reducing excessive salt consumption, not consuming alcohol, and reducing coffee consumption

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