scholarly journals THE MICROFINANCE INSTITUTIONAL SUSTAINABILITY AND EMPOWERMENT OF WOMEN BORROWER’S IN MALAYSIA: AN EMPIRICAL REVIEW

The fundamental aims of this study to construct a new framework between Microfinance Institution’s (MFIs) financial sustainability and social, economic and household women empowerment in Malaysia. The study used both quantitative and qualitative approach. The study used available online empirical recourses by the name of Microfinance Institution’s (MFIs) sustainability and sustainable and social, economic and household women empowerment in different online database sources such as Google Scholars, Springer Link, Wiley, Science Direct, JSTOR, Emerald full text, Scopus, and EBSCO HOST etc. The summary of literature review revealed that it is the unique goal of MFIs for poverty reduction mission through ensuring of financial sustainability while contribution impact in the society. It has also revealed that it is the way the social mission of poverty alleviation through serving the poorest has been overshadowed by profit motive. However, profit orientation of the microfinance industry also emphasis on profit earning. The present study will be recommended for policy considerations for the successful and effective operation of microfinance programs by providing the necessary guidelines for the proper utilization of loan for women borrowers in Malaysia.

2021 ◽  
Vol 5 (5) ◽  
pp. p32
Author(s):  
Saheed Olanrewaju Jabaar, PhD

This study is an exploration of the menace of out-of-school children in Kano metropolis. The study used qualitative method of investigation to investigate the social economic conditions of the children, factors that keep them on the street and possible ways of taking them off the street back to school. Data revealed a harsh and deplorable living conditions of the children. It was also revealed that poverty, negligence by parents, high rate of divorce and ignorance on the part of parents are the major reasons why the children remain on the street. Taking the children out of the street would require effective implementation of social policies on family life, poverty reduction and the universal basic education act of 2004.


2018 ◽  
Vol 31 (1) ◽  
pp. 107
Author(s):  
Rustinsyah Rustinsyah

The existence of a cement company in a rural area may influence the local people, including women who are not employed by the company. This study aims at presenting the case of women empowerment in a Ring-1 area of a cement company in Indonesia. The research used qualitative approach. The results show that the company’s existence with its CSR programs have helped empowering rural women in social, educational, religious, organizational, and economic aspects. The social aspect is shown in the health programs. The educational aspect can be seen in the provision of scholarships for formal education and non-formal training. The religious aspect is actualized in the form of incentives for religion teachers and religious festivals. The organizational aspect is shown in the involvement of women in PKM management. Finally, the economic aspect includes: a) the construction of village road infrastructure as compensation of taxes derived from the company; b) the inclusion of workers from outside the village encourages the emergence of food stalls, grocery stalls, gasoline kiosks, and boarding houses; and c) the development of traditional markets. This study confirms that the company’s existence has encouraged rural women to improve their livelihoods and help alleviate their families from poverty.


2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Nurazilah Zainal ◽  
Annuar Md Nassir ◽  
Fakarudin Kamarudin ◽  
Siong Hook Law

Purpose The purpose of this study is to examine how banking regulation and supervision affect the performance of microfinance institutions (MFIs). It proposes performance of the MFIs from the aspect of social and financial efficiency because the MFIs nowadays not only view to sustain the social role of poverty eradication but in the same time they must strive the financial sustainability to maintain the operation in long run. This study also includes the macroeconomic condition and firm level variables to control for social and financial efficiency of the MFIs. Design/methodology/approach The data consists 168 MFIs from five countries in Southeast Asia from year 2011 to 2017. First stage of analysis is to identify level of social and financial efficiency by using data envelopment analysis approach. Second stage is to examine impact of bank regulation and supervision to the social and financial efficiency by applying panel regression analysis and generalized method of moments for robust estimation methods. Findings The finding shows the MFIs own lower social efficiency and higher score in financial efficiency. This indicates in pursuing financial sustainability, the MFIs in Southeast Asia countries have lost sight of their original mission of poverty reduction. Furthermore, the result also presents a significant impact of bank regulation and supervision to the social and financial efficiency of the MFIs. However, the results appear in different direction when more negative effect is associated with social efficiency. This specifies that bank regulation and supervision are not appropriate to accommodate the social needs, thus hampering the effort of poverty reduction by the MFIs. Research limitations/implications The present study only concentrates on the impact bank regulation and supervision to the performance of the MFIs. As the operation of the MFIs currently has been largely exposed in banking operation, it is suggested that future studies to look for other special issues such as country governance that might influence specifically in social and financial aspect of the MFIs. Practical implications The empirical findings from this study could be useful and may have significant implications for the regulators. The regulators or policymakers could establish the new regulation framework that fulfil the dual needs (social and financial) of the MFIs. Furthermore, the empirical findings also could serve as guidance to regulators and decision-makers in designing new policies for a sustainable and competitive sector of the MFIs. Although the MFIs recently brings a similar role as commercial banks, they need to retain the social aspects as that is the original mission of the MFIs Originality/value The present study proves that the bank regulation and supervision have brought a significant influence to the performance of the MFIs in ASEAN 5 countries.


2021 ◽  
Vol 3 (197) ◽  
pp. 63-69
Author(s):  
E.P. Troshina ◽  
◽  
T.A. Chizhova ◽  

With the increasing role assigned to the social mission of business in the formation of a positive image in front of the public, the problem of evaluating the activities in the field of corporate social responsibility (CSR) by organizations focused on successful development is becoming increasingly relevant. The article discusses the various approaches currently used in practice (including standards, sustainability indices, self-assessment models) that allow evaluating the activities of organizations in the field of CSR. Such a variety of evaluation methods is due to the fact that each of them has a number of limitations in its application, which should be considered. As a result of systematization of the approaches to CSR assessment considered in the framework of the study, their comparative analysis was carried out in key areas of CSR. A significant result of the presented scientific work is the determination of the most appropriate method for assessing the activities of mediumsized businesses in all areas of CSR (environmental, social, economic, stakeholders, neighborliness).


Author(s):  
Jomy Jose

The empowerment of women through different laws, legislations, activities and schemes is the most important concern of 21st century. This study explores the role of Kudumbashree and its impact on women empowerment in Kerala with special reference to Thiruvananthapuram Municipal Corporation area. Kudumbshree is a practical model for strengthening the Self Help Group (SHG) based poverty alleviation programme. Questionnaire and interview were used for collecting the data. The study found that, Kudumbashree leads to sustainable social, economic development of women and a direct impact on their living status, educational, nutritional and health needs of their children, positively.


2021 ◽  
Vol 1 (1) ◽  
pp. 11-24
Author(s):  
Arief Dwi Saputra ◽  
Alfina Rahmatia ◽  
Muslimah Muslimah

Islamic philanthropy and social entrepreneurship have created solutions in addressing the problems that occur for maximizing economic, social, and religious activity. In this study review, Islamic philanthropy links the elements of zakat, infaq, sadaqah, and waqf in terms of social entrepreneurship with elements of social value, civil society, innovation, and economic activity. The data was obtained using literature studies and interviews on Lazismu Bengkulu as an Islamic philanthropic movement and CV. Presidium on the social entrepreneurship movement. Then, data were processed using Nvivo and drawn conclusions through word similarity analysis.  Findings. The synergy between employers and society plays a role in addressing problems against poverty alleviation, wealth equality, community welfare, creating social benefits, optimizing social capital, innovation in problem-solving efforts, building a balance between social activities and business activities. Integration of these two movements explains the dominant increase compared to the decline by presenting an impact on production, consumption, investment, economic growth, and economic stability. In the analysis of word similarity, efforts of synergy and integration concluded that both movements could be implemented in practice because they support each other and have close links to achieve goals and increase the dominant impact of social, economic, and religious activities.


2014 ◽  
Vol 1 (1) ◽  
Author(s):  
Mukta Tripathi ◽  
S. K. Chaturvedi

Women are the most crucial elements of the social structure and are playing a pivotal role in the socioeconomic scenario of Allahabad District. Microfinance has come to play a major role in many gender and development strategies because of its direct relationship to both poverty alleviation and to the empowerment of women. Microfinance programs like the Joint Liability Groups (JLGs) in India have been promoted for their positive economic impact and the belief that they empower women. The survey was conducted on 100 respondents from Twenty JLGs of Utkarsh Microfinance Institution in Allahabad District, and the analysis was done to study the empowerment of women through microfinance. The results strongly demonstrate that on an average, there is a significant increase in women empowerment of the Joint Liability Group members of Utkarsh Microfinance Institution.


Author(s):  
Anurudha Gishan Illangakoon ◽  
S. M. Ferdous Azam ◽  
Ali Khatibi ◽  
Sepali Sudasinghe

This article attempts to discuss, how does women empowerment in Sri Lanka could be used as an effective tool to alleviate poverty. Predominantly microfinance was identified as an effective concept to reduce poverty and improve social well-being. The women empowerment is also play a vital part in the process. Microfinance industry has adapted various business strategies and innovative ideas to address and influence poverty reduction. It is acceptable fact that women play a pivotal part in economic development in Sri Lanka. As per the Millennium Development Goals (MDGs) stipulated in 2000, women empowerment and gender equality have been identified as one of the main objectives of MDGs to achieve in every country. It is known fact that there has been a strong relationship between microfinance and women. It’s not only women it has a broader relationship mainly in perspective of empowerment. The aim of this paper is to discuss importance of building women empowerment through microfinance by way of substantial in building confidence, courage, skill development and empowerment, and ultimately become an effective poverty alleviating tool. It is very important to focus on Financial, Social dimensions, Government and Regulator support and Environment performances to put microfinance on to track to become a new standard for the microfinance sector by getting effective participation from women sector. Therefore in order to get the real result from these emerging concepts, need women participation for up-tick the microfinance and alleviate poverty.


1994 ◽  
Vol 6 (3) ◽  
pp. 133-142 ◽  
Author(s):  
Steve King

Re-creating the social, economic and demographic life-cycles of ordinary people is one way in which historians might engage with the complex continuities and changes which underlay the development of early modern communities. Little, however, has been written on the ways in which historians might deploy computers, rather than card indexes, to the task of identifying such life cycles from the jumble of the sources generated by local and national administration. This article suggests that multiple-source linkage is central to historical and demographic analysis, and reviews, in broad outline, some of the procedures adopted in a study which aims at large scale life cycle reconstruction.


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