Microcredit and Microenterprises Performance in Malaysia

2019 ◽  
Vol 8 (2) ◽  
pp. 1-13 ◽  
Author(s):  
Wan Nurulasiah binti Wan Mustapa ◽  
Abdullah Al Mamun ◽  
Nur Izzati binti Mohamad Anuar ◽  
Naeem Hayat

This study examined the effects of microcredit provided by Amanah Ikhtiar Malaysia (AIM) on the performance of microenterprises by the participants in Malaysia. This study adopted a cross-sectional design and the quantitative data were collected from a total of 387 borrowers of AIM. The findings revealed significantly positive correlations between microenterprises performances and economic loan, number of training programs, as well as hours of training programs. The multiple regression analysis further confirmed the positive and statistically significant effects of economic loan and number of training programs on the performance of microenterprises by the participants of AIM in Malaysia. However, the length of participation shows a negative effect on microenterprise performance. These findings highlighted the positive effect of microcredit on microenterprises performance such as access to credit, microenterprises' development training programs, and negative effects on the psychological aspect of the entrepreneurs by the microcredit availability and long-term credit. The government and development organisations in Malaysia should focus on designing fixable and diversified credit schemes with a watchful eye on the duration of the loan and training programs for the microenterprises in Malaysia.

2020 ◽  
Vol 1 (2) ◽  
pp. 104-117
Author(s):  
Nurhasanah Ginting ◽  
Sarma Lumban Raja ◽  
Rina Hanum

The use of LTCM has many advantages and more recommended by the government than non-LTCM because it is more efficient, safer and more effective. However, the facts on the ground are that women with FA prefer non-LTCM. Data from the Pasar Merah Village were LTCM acceptors (34.42%), while non-LTCM acceptors (65.57%). This study was to analyze the descriptions of long-term contraceptive users (EFA). This research was an analytic survey with a Cross-Sectional design. The research was conducted in Pasar Merah Village. The populations were 610 women with a sample of 86 people. Data analysis was univariate, bivariate using chi-square and multivariate using multiple logistic regression with 95% confidence (α=.05). The results showed that variables associated with long-term contraceptive method users by women of FA in East Pasar Merah Village were knowledge (p=.001) and husband's support (p=.012). Unrelated variables were age (p=.118), parity (p=.019), education (p=.122), income (p=.375), health worker support (p=.128). The most dominant factor, namely the knowledge variable, had a value of Exp (B)/OR = 5.938, meaning that the respondent had good knowledge, the opportunity to use LTCM was 5.9 times higher than respondent with less knowledge. The conclusion of this research is that the husband's knowledge and support are related to the use of LTCM. It is suggested that PKB and PLKB increase counseling for women with FA and husbands so that the knowledge of women with FA increases, husbands can provide positive support. Counseling can be done individually or in groups online during the Covid-19 pandemic.


2020 ◽  
Vol 15 (2) ◽  
pp. 267-276
Author(s):  
Dian Setia Ningsih ◽  
Haryadi Haryadi ◽  
Siti Hodijah

This study aims to analyze the development of PMDN, PMA, Exports, Imports, and Economic Growth in Jambi province and to analyze the influence of PMDN, PMA, Exports, and Imports on economic growth in Jambi province. The analysis model used is the Autoregressive Distributed Lag (ARDL). The results showed that in the short term PMDN had a significant negative effect on economic growth. PMA has a positive and significant effect on economic growth. Exports have a significant positive effect on economic growth. In the long term, PMDN has a positive and significant effect on economic growth. PMA has a negative and significant effect on economic growth. The export variable has a positive and significant effect on economic growth. And imports have a positive but insignificant effect on economic growth. It is hoped that economic growth will continue to increase from year to year, so the government must play an important role in increasing economic activities that have existing potentials so that the people's income is high which also reduces poverty and inequality that occurs.


2019 ◽  
Vol 8 (2) ◽  
pp. 71-75
Author(s):  
Mutmainah Mutmainah

The development of information and communications technology makes easy to find information needed from the world. Included in the student learning process. ICT has an important role in education ICT sophistication facilitate student-centered learning (SCL). However, can ICT create an effective and efficient learning process? What does the negative and positive effect of sophistication information and communications technology (ICT) in learning process? How effect on personal ethics? How should the role of government to solve that negative effect? This research uses a qualitative method with a phenomenology approach. This approach is a research-based on observations of phenomenology that occur in Merdeka University of Madiun. The data analysis uses descriptive techniques. It’s the result of the data collection from some informants were concluded. The results of research show that negative effects of development ICT; 1) decreasing student ethics, 2) learning process not effective, 3) student doesn’t ready to study in the classroom, 4) and delay next job. The positive effect is easy to get course material and reach communications quickly. The government role to solve negative effect are 1) socialization about ICT usage, 2) limit user age from government, 3) blocking web that no match with user age and 4) socialization about controlling child.


2021 ◽  
Author(s):  
Taner Güney ◽  
Emrah Üstündağ

Abstract This study aims to analyze the relationship between wind energy consumption, coal energy consumption, globalization, economic growth and carbon emissions in a selected country group. This analysis was made with the data of 37 countries for the period 2000-2019. In order to examine the long-term relationship between the variables, the AMG method, which makes an estimation by considering the cross-sectional dependence and slope homogeneity, was used in the study. According to the long-term coefficient estimates of the cointegrated variables, wind energy consumption has a statistically significant and negative effect on carbon emissions in the long run. A 1% increase in wind energy consumption reduces carbon emissions by 0.018%. On the other hand, the globalization variable has a statistically significant and positive effect on carbon emissions in the long run. A 1% increase in globalization increases carbon emissions by 0.107%. These findings show the importance of wind energy consumption in reducing carbon emissions. For this reason, policies should be produced to increase wind energy consumption globally and necessary incentives should be provided.


1985 ◽  
Vol 110 (3) ◽  
pp. 329-337 ◽  
Author(s):  
G. A. Schuiling ◽  
H. Moes ◽  
T. R. Koiter

Abstract. The effect of pretreatment in vivo with oestradiol benzoate on in vitro secretion of LH and FSH was studied in long-term ovariectomized (OVX) rats both at the end of a 5-day continuous in vivo pretreatment with LRH and 4-days after cessation of such LRH pretreatment. Rats were on day 0 sc implanted with osmotic minipumps which released LRH at the rate of 250 ng/h. Control rats were implanted with a piece of silicone elastomer with the dimensions of a minipump. On days 2 and 4 the rats were injected with either 3 μg EB or with oil. On day 5 part of the rats were decapitated and the in vitro autonomous (i.e. non-LRH-stimulated) and 'supra-maximally' LRHstimulated release of LH and FSH was studied using a perifusion system. From other rats the minipumps were removed on day 5 and perifusion was performed on day 9. On the 5th day of the in vivo LRH pretreatment the pituitary LH/FSH stores were partially depleted; the pituitaries of the EB-treated rats more so than those of the oil-injected rats. EB alone had no significant effect on the content of the pituitary LH- and FSH stores. On day 9, i.e. 4 days after removal of the minipumps, the pituitary LH and FSH contents had increased in both the oil- and the EB injected rats, but had not yet recovered to control values. In rats not subjected to the 5-days pretreatment with LRH EB had a positive effect on the supra-maximally LRH-stimulated secretion of LH and FSH as well as on the non-stimulated secretion of LH. EB had no effect on the non-stimulated secretion of FSH. After 5 days of in vivo pretreatment with LRH only, the in vitro non-stimulated and supra-maximally LRH-stimulated secretion of both LH and FSH were strongly impaired, the effect correlating well with the LRH-induced depletion of the pituitary LH/FSH stores. In such LRH-pretreated rats EB had on day 5 a negative effect on the (already depressed) LRH-stimulated secretion of LH (not on that of FSH). EB had no effect on the non-stimulated LH/FSH secretion. It could be demonstrated that the negative effect of the combined LRH/EB pretreatment was mainly due to the depressing effect of this treatment on the pituitary LH and FSH stores: the effect of oestradiol on the pituitary LRH-responsiveness (release as related to pituitary gonadotrophin content) remained positive. In LRH-pretreated rats, however, this positive effect of EB was smaller than in rats not pretreated with LRH. Four days after removal of the minipumps there was again a positive effect of EB on the LRH-stimulated secretion of LH and FSH as well as on the non-stimulated secretion of LH. The positive effect of EB on the pituitary LRH-responsiveness was as strong as in rats which had not been exposed to exogenous LRH. The non-stimulated secretion of FSH was again not affected by EB. The results demonstrate that the effect of EB on the oestrogen-sensitive components of gonadotrophin secretion consists of two components: an effect on the pituitary LRH-responsiveness proper, and an effect on the pituitary LH/FSH stores. The magnitude of the effect of EB on the LRH-responsiveness is LRH dependent: it is very weak (almost zero) in LRH-pretreated rats, but strong in rats not exposed to LRH as well as in rats of which the LRH-pretreatment was stopped 4 days previously. Similarly, the effect of EB on the pituitary LH and FSH stores is LRH-dependent: in the absence of LRH, EB has no influence on the contents of these stores, but EB can potentiate the depleting effect of LRH on the LH/FSH-stores. Also this effect disappear after cessation of the LRH-pretreatment.


Author(s):  
Kenneth E. Parku ◽  
Yvonne Ayerki Lamptey

The practice of trade union pluralism at an enterprise level is seen as problematic for both the management of enterprises and the trade union movement. The problems arise from inter-union rivalries, competition and disputes over demarcations of privileges and rights. This article explores the practice of trade union pluralism at the enterprise level in Ghana with the aim of creating awareness of the effect of the practice on the general trade union movement. This qualitative study employed a cross-sectional design and used purposive and snowball sampling methods in selecting the participants. The data was analysed thematically. The findings from the study show that union pluralism is stimulating the decline in general union membership, the breakaway of local unions from the federations, and employers’ classification of workers based on their qualifications once they are employed by organisations, and their assignment to specific unions (automatic membership at enterprise level). It is suggested that employment laws encourage union breakaways, which weakens the unions especially at the enterprise level. It is recommended that the state, labour officials and policy-makers should enforce labour laws, especially regarding freedom of association, and consider revisiting or amending some labour laws to curb their abuse. The government and labour institutions need to work together to operationalise the implementation of legal provisions on freedom of association or consider amending the provisions to curb the existing abuse.


Author(s):  
Mohd. Shuhaimi Ishak

 Abstract Generally speaking, media is extensively used as the means to disseminate news and information pertaining to business, social, political and religious concerns. A portion of the time and space of media has now become an important device to generate economic and social activities that include advertising, marketing, recreation and entertainment. The Government regards them as an essential form of relaying news and information to its citizens and at the same time utilizes them as a powerful public relations’ mechanism. The effects of media are many and diverse, which can either be short or long term depending on the news and information. The effects of media can be found on various fronts, ranging from the political, economic and social, to even religious spheres. Some of the negative effects arising from the media are cultural and social influences, crimes and violence, sexual obscenities and pornography as well as liberalistic and extreme ideologies. This paper sheds light on these issues and draws principles from Islam to overcome them. Islam as revealed to humanity contains the necessary guidelines to nurture and mould the personality of individuals and shape them into good servants. Key Words: Media, Negative Effects, Means, Islam and Principles. Abstrak Secara umum, media secara meluas digunakan sebagai sarana untuk menyebarkan berita dan maklumat yang berkaitan dengan perniagaan, kemasyarakatan, pertimbangan politik dan agama. Sebahagian dari ruang dan masa media kini telah menjadi peranti penting untuk menghasilkan kegiatan ekonomi dan sosial yang meliputi pengiklanan, pemasaran, rekreasi dan hiburan. Kerajaan menganggap sarana-sarana ini sebagai wadah penting untuk menyampaikan berita dan maklumat kepada warganya dan pada masa yang sama juga menggunakannya sebagai mekanisme perhubungan awam yang berpengaruh. Pengaruh media sangat banyak dan pelbagai, samada berbentuk jangka pendek atau panjang bergantung kepada berita dan maklumat yang brekenaan. Kesan dari media boleh didapati mempengaruhi pelbagai aspek, bermula dari bidang politik, ekonomi, sosial bahkan juga agama. Beberapa kesan negatif yang timbul dari media ialah pengaruhnya terhadap budaya dan sosial, jenayah dan keganasan, kelucahan seksual dan pornografi serta ideologi yang liberal dan ekstrim. Kertas ini menyoroti isu-isu ini dan cuba mengambil prinsip-prinsip dari ajaran Islam untuk mengatasinya. Tujuan Islam itu sendiri diturunkan kepada umat manusia ialah untuk menjadi pedoman yang diperlukan untuk membina dan membentuk keperibadian individu dan menjadikan manusia hamba yang taat kepada Tuhannya. Kata Kunci: Media, Kesan Negatif, Cara-cara, Islam dan Prinsip-prinsip.


Author(s):  
Lena von Kotzebue ◽  
Christian Förtsch ◽  
Sonja Förtsch ◽  
Birgit J. Neuhaus

AbstractDealing with student errors is a central feature of instructional quality. Teachers’ reactions to a student’s error and classmates’ errors can be crucial to the success of a lesson. A teacher should respond appropriately in terms of motivational and learning-related issues so that the error can become a learning opportunity for students. Currently, error situations have rarely been directly recorded and explored in empirical zstudies. This gap is the central focus of the current study in which we investigated errors in biology instruction within a cross-sectional design where biology lessons in German secondary schools were videotaped, teachers’ dealings with errors analyzed, and student achievement documented with pretests and posttests. The study found that constructively dealing with student errors had a significant positive effect on student achievement at the class level. Results confirmed the relevance of teachers’ appropriate dealing with student errors on learning in biology instruction.


2021 ◽  
Vol 18 ◽  
pp. 147997312110296
Author(s):  
Geertje M de Boer ◽  
Laura Houweling ◽  
Rudi W Hendriks ◽  
Jan H Vercoulen ◽  
Gerdien A Tramper-Stranders ◽  
...  

Population studies showed a decrease in psychological wellbeing during the COVID-19 pandemic. Asthma is associated with a negative effect on anxiety and depression, which might worsen during the COVID-19 lockdown. The aim of the study was to compare fear, anxiety and depression between asthma patients and patients wit hout asthma pre-COVID-19 and during COVID-19 pandemic. This study compares fear, anxiety and depression in asthma patients and controls between pre-COVID-19 and during COVID-19 lockdown with a cross-sectional online survey. Participants were invited to fill out several questionnaires pertaining to fear, anxiety, depression, asthma control and quality of life. Asthma patients (N = 37) displayed, during the course of the pandemic, a clinically relevant increase in anxiety (3.32 ± 2.95 vs. 6.68 ± 3.78; p < 0.001) and depression (1.30 ± 1.15 vs. 3.65 ± 3.31; p < 0.001), according to the hospital anxiety and depression levels (HADS) compared to pre-COVID-19 assessment. This was not seen in controls. Also, asthma patients displayed more anxiety about acquiring COVID-19 disease compared to controls ((5.11 ± 1.99 vs. 3.50 ± 2.79), p = 0.006). Patients with asthma experienced an increase in anxiety and depression levels and were more afraid of acquiring COVID-19 disease compared to controls. Also, patients with asthma were more likely to avoid healthcare facilities due to fear of acquiring COVID-19 disease compared to controls. Therefore, we advise health care workers to address these possible negative effects on mental health by phone or e-consults.


BJPsych Open ◽  
2020 ◽  
Vol 6 (2) ◽  
Author(s):  
Robert Sigström ◽  
Axel Nordenskjöld ◽  
Anders Juréus ◽  
Caitlin Clements ◽  
Erik Joas ◽  
...  

Background There have been reports of long-term subjective memory worsening after electroconvulsive therapy (ECT). Aims To study the prevalence and risk factors of long-term subjective memory worsening among patients receiving ECT in routine clinical practice. Method Patients (n = 535, of whom 277 were included in the final analysis) were recruited from eight Swedish hospitals. Participants' subjective memory impairment was assessed before ECT and a median of 73 days after ECT using the memory item from the Comprehensive Psychopathological Rating Scale. Participants also rated their pre-ECT expectations and post-ECT evaluations of the effect of ECT on memory on a 7-point scale. We used ordinal regression to identify variables associated with subjective memory worsening and negative evaluations of the effect of ECT on memory. Results Comparisons of pre- and post-ECT assessments showed that subjective memory worsened in 16.2% of participants, remained unchanged in 52.3% and improved in 31.4%. By contrast, when asked to evaluate the effect of ECT on memory after treatment 54.6% reported a negative effect. Subjective memory worsening was associated with negative expectations before ECT, younger age and shorter duration of follow-up. Conclusions Although subjective memory improved more often than it worsened when assessed before and after ECT, a majority of patients reported that ECT had negative effects on their memory when retrospectively asked how ECT had affected it. This might suggest that some patients attribute pre-existing subjective memory impairment to ECT. Clinicians should be aware that negative expectations are associated with subjective worsening of memory after ECT.


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