scholarly journals Informal Lending Practices and Profitability of Rice Retailers in Borongan City

2021 ◽  
Vol 5 (2) ◽  
pp. 229-244
Author(s):  
Timothy Freth Lagria
Keyword(s):  
Customer Service ◽  
Government Agencies ◽  
Net Income ◽  
Fast Processing ◽  
Inferential Analysis ◽  
Personal Savings ◽  
Level Of Significance ◽  
Lending Institutions ◽  
The Relationship ◽  
Business Sectors

This correlational study explored the relationship between informal lender’s practices and profitability of fifty-three (53) rice retailers in city of Borongan using a researcher-made-three part questionnaire on the business profile, level of practices among informal lenders and weekly income of the respondents. Data were sourced out from rice retailers who lent sum of money from “5-6” informal lenders, and were utilized using descriptive and inferential analysis test at .05 level of significance. Findings revealed that Majority of the respondents had been in the middle years of retailing business, used an average initial capital sourced out from their personal savings and are earning an average weekly income. The respondents’ perceived that informal lenders assess clients’ financial needs and willingness to pay without requiring collateral from them and that rice-retailers reloan due to fast processing of funds and the great customer service. Using regression analysis, year in business was found to be a significant predictor of increase in the profitability of rice retailing services. While, no significant relationship was seen between the rice retailers’ weekly net income and the level of practice among informal lenders. The researcher recommends that government and non-government agencies to provide intervention that will improve the microbusiness enterprise in the market using the help of informal and formal lending institutions and that wider scope of the study should be made to include other small business sectors that are affected by informal lenders.

scholarly journals Impact of Capital Structure on Stock Prices: Evidence from Oman

2016 ◽  
Vol 8 (9) ◽  
pp. 249 ◽  
Author(s):  
Udayakumari Vidhyasagara Menon
Keyword(s):  
Capital Structure ◽  
Stock Prices ◽  
Firm Value ◽  
Listed Companies ◽  
Share Price ◽  
Net Income ◽  
Share Prices ◽  
Equity Ratio ◽  
Level Of Significance ◽  
The Relationship

<p>The study tests the relationship between capital structures and share prices of the listed companies of Muscat Securities Market (MSM). It considers all the 113 listed companies registered in MSM for three main sectors for a period of eight years i.e. 2008 till 2015. It analyzes the relationship between share price and capital structure by employing correlation analysis and multiple regression analysis in a panel framework. We found an inverse relationship between amount of debt and share prices. Further a positive relationship between amount of equity and share prices and debt equity ratio. The results were statistically significant at 1% level of significance. The results indicate adding debt to overall capital inversely effects the share prices. The results are in tandem to Net Income Approach which portrays capital structure to influence firm value.</p>

Financial Intermediation and Growth: Theory and Some Cross-Country Evidence

1997 ◽  
Vol 36 (4II) ◽  
pp. 855-862
Author(s):  
Tayyeb Shabir
Keyword(s):  
Economic Growth ◽  
Financial Markets ◽  
Financial Intermediation ◽  
Empirical Estimates ◽  
Financial Liberalisation ◽  
Cross Country ◽  
Level Of Significance ◽  
The Relationship ◽  
Positive Effect ◽  
Theoretical Developments

Well-functioning financial markets can have a positive effect on economic growth by facilitating savings and more efficient allocation of capital. This paper characterises some of the recent theoretical developments that analyse the relationship between financial intermediation and economic growth and presents empirical estimates based on a model of the linkage between financially intermediated investment and growth for two separate groups of countries, developing and advanced. Empirical estimates for both groups suggest that financial intermediation through the efficiency of investment leads to a higher rate of growth per capita. The relevant coefficient estimates show a higher level of significance for the developing countries. This financial liberalisation in the form of deregulation and establishment and development of stock markets can be expected to lead to enhanced economic growth.

Zachowania nabywców na rynku certyfikowanej żywności dla niemowląt i małych dzieci

2016 ◽  
pp. 81-93
Author(s):  
Dominika Kuberska ◽  
Karolina Suchta
Keyword(s):  
Consumer Behavior ◽  
Baby Food ◽  
Household Expenditure ◽  
Net Income ◽  
Income Per Capita ◽  
Unique Nature ◽  
Food Market ◽  
Per Capita ◽  
The Relationship

The aim of the study was to unveil the specifics of consumer behavior on the certified baby food market, in particular with regard to their determinants. A questionnaire was used as a tool to conduct this study. A unique nature of the relationship between the buyer and the consumer on the market (a mother and a child) could have influenced the results obtained. Price is not the key determinant of behavior of buyers on the market. In addition, there is no correlation between the net income per capita and household expenditure on certified baby food.

scholarly journals The Relationship between the Sense of Coherence of Dental Hygiene Students in Their Graduation Year and Their View of the Profession and Attitude to Work: A Cross-Sectional Survey in Japan

2020 ◽  
Vol 17 (24) ◽  
pp. 9594
Author(s):  
Rumi Tano ◽  
Hiroko Miura ◽  
Katsuo Oshima ◽  
Kanako Noritake ◽  
Hideki Fukuda
Keyword(s):  
Sense Of Coherence ◽  
Dental Hygienist ◽  
Dental Hygienists ◽  
Future Prospects ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Dental Hygiene Students ◽  
Training Institutions ◽  
Level Of Significance ◽  
The Relationship

Objective: The need to make sense of coherence in placement support for student dental hygienists has been shown. On this basis, this study investigated the relationship between the sense of coherence of student dental hygienists and their view of the profession and attitude to work in order to clarify how they perceive their prospects for employment. Methods: The subjects were graduation-year students at all of the dental hygienist training institutions in Japan, and anonymous, self-administered questionnaires were sent to the institutions by post in 2019. The results were analyzed by χ2 tests, as well as one-way analysis of variance and multiple comparisons using Tukey’s test, with the level of significance set at 5%. Results: Of 6270 questionnaires that were returned, 6264 were analyzed. The sense of coherence (SOC) component senses were manageability (F(26,221) = 5306.06, p < 0.01), meaningfulness (F(26,222) = 4373.48, p < 0.01), and comprehensibility (F(26,216) = 3986.12, p < 0.01), with meaningfulness scoring significantly higher than the other two (p < 0.01). Analysis with SOC scores divided into the low, medium, and high groups showed a relationship between the SOC of student dental hygienists and their view of the profession and attitude to work (p < 0.01), such that higher SOC scores were associated with a better view of the profession and a better attitude to work (F(26,225) = 282.18, p < 0.01). Conclusions: The results suggest that education that increases SOC in dental hygienist training programs may positively affect future prospects for student dental hygienists.

Higher education, gender, and foreign direct investment: Evidence from OECD countries

2021 ◽  
pp. 095042222199727
Author(s):  
George Pantelopoulos
Keyword(s):  
Higher Education ◽  
Foreign Direct Investment ◽  
Direct Investment ◽  
Tertiary Education ◽  
Labour Force ◽  
Oecd Countries ◽  
Educational Levels ◽  
Education Statistics ◽  
Level Of Significance ◽  
The Relationship

The objective of this study was to explore and empirically investigate the relationship between the labour force across educational levels and foreign direct investment (FDI), and to facilitate comparisons of education statistics and indicators across countries based on uniform and internationally agreed definitions. The analysis focuses on OECD countries. The empirical findings suggest that an educated labour force positively affects inward FDI. However, different educational levels do not have the same level of significance; tertiary education appears to have the greatest influence. As far as gender is concerned, the level of female participation in the workforce seems to be crucial in attracting FDI, and governments should therefore adopt policies to promote women’s empowerment.

The Relations Between the Navy and the Foreign Service

1939 ◽  
Vol 33 (2) ◽  
pp. 283-291
Author(s):  
Clark H. Woodward
Keyword(s):  
United States ◽  
The United States ◽  
Government Agencies ◽  
National Defense ◽  
International Affairs ◽  
Proper Position ◽  
Foreign Service ◽  
Wide Range ◽  
National Emergency ◽  
The Relationship

In the conduct of foreign policy and the participation of the United States in international affairs, the relation between the Navy and the Foreign Service is of vital importance, but often misunderstood. The relationship encompasses the very wide range of coördination and coöperation which should and must exist between the two interdependent government agencies in peace, during times of national emergency, and, finally, when the country is engaged in actual warfare. The relationship involves, as well, the larger problem of national defense, and this cannot be ignored if the United States is to maintain its proper position in world affairs.

Knowledge Management and Continuous Improvement in a Private University from Lima, Peru [Gestión del Conocimiento y Mejora Continua en una Universidad Privada de Lima, Perú]

2021 ◽  
Vol 4 (2) ◽  
pp. 38-50
Author(s):  
Victoria Ysabel Bringas Rios
Keyword(s):  
Knowledge Management ◽  
Continuous Improvement ◽  
Significant Relationship ◽  
Success Factors ◽  
Private University ◽  
Cross Sectional ◽  
Leading Role ◽  
Statistical Program ◽  
Level Of Significance ◽  
The Relationship

Knowledge management and continuous improvement are key success factors that are applied in organizations independently; However, there is a significant relationship between the two, therefore organizations that seek to be leaders in their sector must analyze them together. Considering that universities have a leading role and must transcend the expectations of our society, I have considered it pertinent to carry out this article whose purpose is to establish the relationship between Knowledge Management and Continuous Improvement in a Private University from Lima, Peru. It has a quantitative approach because statistical analysis was used to test what was established in the hypotheses. The design is non-experimental, cross-sectional, since information is presented as it occurs in reality and in a given time, it is transectional, correlational, because it measures and evaluates the relationship between the variables. The sample is made up of 45 individuals between heads of areas and school coordinators, to whom a questionnaire with 32 questions was applied, whose data were processed in the statistical program SPSS version 25. Finally, the significant relationship between management of the knowledge and continuous improvement, obtaining a Spearman Rho, 0.730, at the 1% level of significance. Likewise, the findings affirm that the phases of creating, storing, applying and transferring knowledge also have a significant relationship with continuous improvement.

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