scholarly journals Impact of Microfinance on Poverty: Qualitative Analysis for Grameen Bank Borrowers

2019 ◽  
Vol 11 (1) ◽  
pp. 49
Author(s):  
Mohammad Aslam ◽  
Senthil Kumar ◽  
Shahryar Sorooshian
Keyword(s):  
Qualitative Analysis ◽  
Positive Impact ◽  
Moral Issue ◽  
Microfinance Institutions ◽  
Grameen Bank ◽  
Poverty Level ◽  
The World ◽  
The Government ◽  
The Impact ◽  
Qualitative Changes

Poverty is economic, social, political and even moral issue all over the world. Microfinance has been designed to eliminate poverty and may help marginal people to materialize their dreams. Microfinance has been formalized primarily in Bangladesh with this concept. Grameen Bank (GB) has been serving large number of people below poverty level here. Initially, microfinance institutions have been supported by the Government or Donor assuming its positive impact on borrowers. However, ambiguous impacts have been reported in several studies that make microfinance questionable. Therefore, this study intent to measure the impact of microfinance on GB borrowers through the process of qualitative changes in borrowers lives. The process has been measured by some case studies for participant and non-participant borrowers using Modified Household Economic Portfolio Model (M - HEPM). Our qualitative analysis shows that microfinance makes positive changes in the process of borrowers lives observed through financial and activity diaries of the borrowers.

scholarly journals Trade liberalization, Economic Growth and Poverty Level in Nigeria: Vector Auto-regression (VAR) Approach (1980-2009)

2014 ◽  
Vol 6 (7) ◽  
pp. 591-606 ◽  
Author(s):  
Aremo Aremo
Keyword(s):  
Economic Growth ◽  
Trade Liberalization ◽  
Positive Impact ◽  
Data Series ◽  
Poverty Level ◽  
Vector Auto Regression ◽  
The Government ◽  
Good Policy ◽  
The Impact ◽  
Auto Regression

The paper examines the nexus among trade liberalization, economic growth and poverty level in Nigeria between 1980 and 2009 within the context of multivariate Vector Auto regression (VAR) with a view to establishing the links that exist among the three variables. The data series were also subjected to unit root and co integration tests to examine the properties of the data. The findings that emerged from the analyses showed that the interactions among trade liberalization, economic growth and poverty level suggest that economic growth had a positive impact on trade liberalization in Nigeria within the study period. Also, the interactions among trade liberalization, economic growth and poverty level were weak making the effect of trade liberalization on poverty to be low. This probability portrays the presence of some structural rigidity in the economy capable of preventing the impact of trade liberalization from being fully felt on poverty, particularly through economic growth channel. This suggests the presence of some institutional factors that create inherent problems in the economy that could largely frustrate any valid and sincere trade policies formulated by the government. It is therefore recommended that policy makers should be mindful of the fact that the Nigerian economy is structurally vulnerable; such that for any policy to succeed, the peculiar characteristics of the economy must be factored into the plan and rigorously evaluated for good policy effects.

scholarly journals DAMPAK PENDAPATAN BADAN USAHA MILIK DESA (BUMDES) TERHADAP KEMISKINAN MASYARAKAT (Studi Kasus Desa Peunaga Pasi Kecamatan Meureubo Kabupaten Aceh Barat

2021 ◽  
Vol 15 (2) ◽  
Author(s):  
Yuliati Yuliati ◽  
Alisman Alisman ◽  
Bukhari Bukhari
Keyword(s):  
Analytical Method ◽  
Positive Impact ◽  
Poverty Level ◽  
Village Community ◽  
The Government ◽  
The Impact ◽  
The Village ◽  
Descriptive Qualitative

The role of village-owned enterprisesis an institution managed by the government and the village community which aims to strengthen the village economy. This research was conducted for see the impact of village-owned enterprises in overcoming poverty in Peunaga Pasi village, Meureubo sub-district, West Aceh district year 2020. This study aims to determine the impact of village-owned enterprises in overcoming poverty. The analytical method used is descriptive qualitative, using a sample of 22 respondents.the results of this study indicate that village-owned enterprises have a positive impact on poverty. the existence of village-owned enterprises has reduced the poverty level of the community in the village of Peunaga Pasi, Meureubo sub- district, West Aceh district

scholarly journals Influence Of Microfinance On Economic Empowerment Of Women

2021 ◽  
Vol 23 (09) ◽  
pp. 1020-1030
Author(s):  
Shalini ◽  
◽  
Dr. Bindu Arora ◽  
Dr. Anil Dangwal ◽  
Keyword(s):  
Gender Discrimination ◽  
Rural Women ◽  
Positive Impact ◽  
Sampling Technique ◽  
Economic Empowerment ◽  
Women Empowerment ◽  
Microfinance Institutions ◽  
The World ◽  
The Government ◽  
Multistage Sampling

Women have competencies of changing the society along with the world. In developing countries, women are facing evil of gender discrimination. Men and women are not equally privileged but scenario is changing now because females are being empowered but still women are suffering from gender inequality problem. Women empowerment is need of hour for development of the world. The government took initiative in form of microfinance to carry forward women in life. So, it becomes necessary to analyse influence of microfinance on women empowerment. It is based on descriptive research design with using multistage sampling technique. The sample size is 400 rural women beneficiaries of Haryana and information is collected by pre-designed questionnaire through interview Data is conducted through SPSS. Regression and correlation analysis is used to examine data through SPSS. Microfinance measured through micro-credit and micro saving. Economic empowerment selected indicators are household income and household saving. The researchers found that there is positive impact of microfinance on economic empowerment of women. This study will be fruitful for the government, microfinance institutions and banks in policies making to empower women. This study could encourage women for savings and investing activities. It might inspire women to take part in microfinance schemes

scholarly journals Micro Finance Schemes : An Insight into the Impact on Standard of Living and Level of Awareness Amongst Target Social Groups.astudy of Bhopal District

2018 ◽  
Vol 12 (01) ◽  
Author(s):  
Shumayela Mohsin Hasan ◽  
S. D. Sharma
Keyword(s):  
Financial Services ◽  
Standard Of Living ◽  
Microfinance Institutions ◽  
Poverty Eradication ◽  
Grameen Bank ◽  
Poverty Level ◽  
Additional Support ◽  
The Impact ◽  
Careful Investigation ◽  
Insight Into

Today if you look at the financial system around the globe, more than half the population in the world- around three billion – do not qualify to take out a loan from a bank (Muhammad Yunus).This reason turned out to be the actual driving force behind the birth of the microfinance movement stating from Grameen Bank in Bangladesh in 1983 to Grameen America movement today. Microfinance has received increasing attention as an effective strategy to alleviate poverty by providing financial services to the poor who have little or no access to capital and formal financial services, as well as providing additional support services such as training on education, healthcare and other basic needs. Yet the increasing attention and reputation that microfinance institutions (MFIs) have achieved, their contribution to poverty alleviation on a global level remains limited. The research paper aims to take an insight into the impact of microfinance schemes on the standard of living of the beneficiaries who have availed the advantage of such schemes in the district of Bhopal. The study aims to reveal the experience of these beneficiaries through careful investigation and analysis. The Microfinance schemes propose to aim at poverty eradication among the society. The objective of this study thus brings under its purview the examination of how these schemes have impacted greatly on asset acquisition and savings of the beneficiaries tocurb down their poverty level. A total of 720 beneficiaries of State Bank of India in Bhopal were selected as the study sample who had alreadyavailed the benefits of these Microfinance schemes. A primary questionnaire was formulated to record the experiences of these beneficiaries and thus the results were analyzed. Furthermore, the paper also examines the level of awareness about the microfinance schemes amongst the target social groups for whom these schemes have been devised.

scholarly journals Dampak Penyebaran Virus Corona (Covid 19) terhadap Pemberdayaan UMKM di Kabupaten Sukoharjo

2020 ◽  
Vol 4 (2) ◽  
pp. 14
Author(s):  
Ika Swasti Putri ◽  
Yuniatin Trisnawati DKW
Keyword(s):  
Positive Impact ◽  
Current Situation ◽  
The World ◽  
Economic Process ◽  
The Government ◽  
Current Impact ◽  
The Impact

The existence of COVID-19 as a pandemic around the world resulted in the economic road becoming disturbed, especially in the field of SMES. The current impact is the disruption of the economic process in the MSME sector. In addition, the disruption of health and restriction for the economy outside the region also become the impact that the population of the SME community. However, there is a positive impact that can be gained, which is the more creative of SMES actors to get around the current situation with a growing creativity. The government is also anticipating how to keep the SME actors who want to remain in the middle of pandemic so that the synergy between SMES and government is well established.

Does a carbon emissions trading scheme spur urban green innovation? Evidence from a quasi-natural experiment in China

2021 ◽  
pp. 0958305X2110153
Author(s):  
Chao Li ◽  
Xiangyou Li ◽  
Deyong Song ◽  
Meng Tian
Keyword(s):  
Energy Conservation ◽  
Alternative Energy ◽  
Positive Impact ◽  
Emission Trading ◽  
Green Innovation ◽  
Urban Green ◽  
Carbon Emissions Trading ◽  
The Government ◽  
Trading Scheme ◽  
The Impact

Based on the panel data of 277 cities between 2003 and 2017 and a unique city-level dataset of green patent applications, this study employs the difference-in-differences (DID) method to evaluate the effect of China’s carbon emission trading scheme (ETS) pilots on urban green innovation. The findings indicate that China’s ETS pilots have a positive impact on urban green innovation, and that impact is more significant for municipalities than for prefecture-level cities. Furthermore, the impact on different categories of urban green innovation is heterogeneous. More specifically, China’s ETS pilots have significantly spurred urban green innovation that is closely related to energy conservation and emission reduction, including alternative energy production, transportation, energy conservation and so forth. Moreover, the facilitating effect of China’s ETS pilots on urban green innovation suffers from a lagging effect, which began to show a significant positive effect in 2016. Overall, this paper identifies the effect of China’s ETS pilots on urban green innovation, and suggests that the government should consider the heterogeneity of urban green innovation when designing national ETS policies.

Insider Trading Laws and Corporate Governance Impact on Investment Decision

2021 ◽  
Vol 3 (2) ◽  
pp. 126-137
Author(s):  
Sadaf Khan ◽  
Ubaid Ur Rehman
Keyword(s):  
Corporate Governance ◽  
Insider Trading ◽  
Positive Impact ◽  
Investment Decision ◽  
Investment Decisions ◽  
Future Research ◽  
Good Corporate Governance ◽  
Governance Practices ◽  
The Government ◽  
The Impact

This research aims to analyze the impact of insider trading laws and corporate governance on investment decisions. For this purpose, the data of 400 potential and actual investors employed who provided their feedback on a structured questionnaire. When the data is collected, it was cleaned. The normality of data and reliability of items were also checked and within limits. Simple Regression was applied to test hypotheses. It was concluded that the perception of insider trading laws and corporate governance have a positive impact on investment decisions. The study has wide implications and the government and corporation both can be beneficial from its insight and findings, and exercise good corporate governance practices and follow stringent insider trading laws. The study also paves the way for future research.

scholarly journals The Impact of Information Communication and Technology Utilization on the Financial Performance of Microfinance Institutions in Rwanda Case Study: Reseau Interdiocesain De Microfinance (Rim) Ltd, Rwanda (2011 -2015)

2017 ◽  
Vol 4 (2) ◽  
pp. 13
Author(s):  
Jean Bosco Harelimana
Keyword(s):  
Financial Performance ◽  
Quantitative Methods ◽  
Positive Impact ◽  
Financial Sustainability ◽  
Microfinance Institutions ◽  
Information Communication ◽  
Qualitative And Quantitative Methods ◽  
Descriptive Survey ◽  
The Impact

The study analyzed the impact of ICT utilization on the financial performance of microfinance institutions inRwanda with case study of Réseau Interdiocesain de microfinance (RIM) Ltd undertaken within 5 years (2011-2015). The study adopted the use of descriptive survey using both qualitative and quantitative methods for a totalsample size of 132. Purporsive and simple random simpling was used for this purpose. Primary and Secondary datawere collected and thene analyzed using SPSS version 16.00. The study found that ICT has been introduced and usedabout 5 years and above. The study found that ICT impact firstly on financial sustainability and profitability (65.8%),secondly on financial efficiency and productivity (23.7) and finally on portfolio quality (5.3%). ICT utilization havea high influence to the RIM Ltd.’s financial performance compared to the previous situation.The correlation results imply that ICT usage has a positive impact on financial sustainability and profitability as theymove in the same direction (R=0.502). The strength of the impact was found to be low due to the low investments inICT among microfinance institutions.

scholarly journals Impact of Business Plans for the Development of MSMEs

2019 ◽  
Vol 2 (2) ◽  
pp. 375-379
Author(s):  
Irwan Sugiarto
Keyword(s):  
Marketing Strategy ◽  
Research Method ◽  
Qualitative Method ◽  
Positive Impact ◽  
Business Planning ◽  
Business Plans ◽  
Descriptive Approach ◽  
The Government ◽  
The Impact

This study aims to determine the impact of business planning for the development of MSMEs. The research method uses is a qualitative method with a descriptive and explorative descriptive approach. From the results of the research conducted, the results show that proper business planning and the application of a good marketing strategy have a positive impact on the sustainability of MSME activities. In addition, the quality of production that has a competitive advantage is also one of the driving factors. For the development of MSMEs, there are several obstacles faced, especially related to capital and guidance from the local government. With the development of MSMEs, it is expected to improve people's welfare, including helping the government in reducing unemployment.

scholarly journals The Giving Of Disciplinary Penalty of Civil Servants Based On Government Regulation Number 53 of 2010 in Governments of Demak Regency

2020 ◽  
Vol 2 (4) ◽  
pp. 443
Author(s):  
Muhammad Adib ◽  
Sri Kusriyah Kusriyah ◽  
Siti Rodhiyah Dwi Istinah
Keyword(s):  
Government Regulation ◽  
Positive Impact ◽  
Secondary Data ◽  
Civil Servant ◽  
Civil Servants ◽  
Disciplinary Action ◽  
Primary Data ◽  
Immediate Supervisor ◽  
The Government ◽  
The Impact

Government Regulation No. 53 of 2010 regarding the discipline of the Civil Servant loading obligations, prohibitions, and disciplinary action which could be taken to the Civil Servant who has been convicted of the offense, is intended to foster a Civil Servant who has committed an offense, the form of disciplinary punishment is mild, moderate, and weight. Disciplinary punishment for the Civil Servant under Government Regulation No. 53 of 2010 Concerning the Discipline of Civil Servants. The formulation of this journal issue contains about how the process of disciplinary punishment, and constraints and efforts to overcome the impact of the Civil Servant disciplinary punishment in Government of Demak regency. The approach used in this study is a sociological juridical approach or juridical empirical, that is an approach that examines secondary data first and then proceed to conduct research in the field of primary data normative. The process of giving disciplinary sanctions for State Civil Apparatus in Government of Demak regency begins with the examination conducted by the immediate supervisor referred to in the legislation governing the authority of appointment, transfer and dismissal of civil servants. The results showed that in general the process of sanctioning / disciplinary punishment of civil servants in the Government of Demak be said to be good and there have been compliance with the existing regulations / applied in Government Regulation No. 53 of 2010, although it encountered the competent authorities judge still apply tolerance against the employee, but also a positive impact among their deterrent good not to repeat the same offense or one level higher than before either the Civil Servant concerned or the other. Obstacles in carrying out disciplinary punishment in Government of Demak regency environment is still low awareness of employees to do and be disciplined in performing the tasks for instance delays incoming work, lack of regulatory discipline, lack of supervision system and any violations of employee discipline. There must be constraints to overcome need for cooperation with other stakeholders comprising Inspectorate, BKPP, and the immediate superior civil servants in this way can be mutually reinforcing mutual communication, consultation, coordination so that if later there is a problem in the future could be accounted for.Keywords: Delivery of Disciplinary Sanctions; Civil Servant; Government Regulation No. 53 of 2010.

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