scholarly journals Assessing the Access to Finance by Small and Medium-Sized Enterprises from Financial Institutions in Blantyre City-Malawi

2019 ◽  
Vol 14 (5) ◽  
pp. 84
Author(s):  
Nelson Nanteleza Ndala
Keyword(s):  
Interest Rates ◽  
Financial Institutions ◽  
Quantitative Research ◽  
Risk Attitude ◽  
Cash Flows ◽  
The Other ◽  
Research Approach ◽  
Access To Finance ◽  
The Government ◽  
The City

SMEs are an integral part of the economy in Malawi. The paper assesses the access to finance by SMEs from financial institutions in Malawi by highlighting the obstacles that SMEs face in their effort to raise finance. The quantitative research approach was adopted in conducting the study. Questionnaires were circulated to 100 SMEs in the City of Blantyre-Ginnery Corner and the SMEs were selected using the random sampling techniques. The following major findings were revealed.  There are financial institutions that are willing to provide funds to SMEs for growth and expansion but most Malawian SMEs fail to meet the lending requirements demanded by these institutions. Chief amongst these is the inability by most SMEs to provide collateral or security and audited financial statements for their businesses. On the other hand, for the small number that is able to access finance, they are faced with high interest rates which make it very difficult for them to grow. The other constraints include lack of finance, stiff competition in the sector, high taxes and corruption and bribes to access contracts. Another interesting revelation is that SMEs relationship with their bankers is not healthy. Most SMEs consider their relationship to be average despite recent focus by the banks on SMEs businesses. The study recommends the enforcement of the Credit Reference Bureau Act 2010 to help financial institutions identify and lend to creditworthy SMEs; banks should soften their adverse risk attitude of over reliance on collateral rather than on business cash flows. The government should also consider provision of tax incentives to banks’ lending to SMEs; stabilisation of the economy to achieve lower inflation and interest rates and formulation of government policy on SMEs that would compel Ministries, Departments and Agencies to allocate a proportion of contracts to SMEs in any tender. Lastly, financial institutions should revisit their approach to SME banking.

scholarly journals Strategi Pengembangan Ekonomi Mualaf di Kota Padang

2019 ◽  
Vol 19 (2) ◽  
pp. 199
Author(s):  
M. Zaky Mubarak Lubis
Keyword(s):  
Economic Development ◽  
Qualitative Method ◽  
Family Relations ◽  
Financial Assistance ◽  
Research Approach ◽  
Group Discussions ◽  
Economic Problems ◽  
The Government ◽  
The City ◽  
Economic Development Strategies

This study aims to find the economic development strategies of converts in the city of Padang. The research approach was conducted using a descriptive qualitative method by collecting data through interviews, documentation and focus group discussions. The research explains that the economic problems of converts to cities in the city are caused by the severance of family relations, lack of ability, lack of converts, lack of assistance and lack of community awareness. The strategy in the economic development of converts in the city of Padang is happy with four processes. First, the making of converts as a means of gathering converts and becomes problem solving for all converts in the city of Padang. Second, capacity building is carried out by conducting trainings that provide theability of converts so that converts have the opportunity to make a business. Third, the provision of financial assistance aims to enable the ability of entrepreneurs who have been trained to be implemented in the form of business through financial assistance from both the government and the private sector. Fourth, supervision and assistance to the business carried out by converts in order to survive and be developed so that they can help other converts. To see the effects of the concept of this strategy it is necessary to implement all of these strategies so that they can be assessed and evaluated in an effort to improve the economy of converts.

scholarly journals Analysis The Effect of Electronic Money Use on Velocity of Money: Evidence from Indonesia

2020 ◽  
Vol 5 (1) ◽  
pp. 42
Author(s):  
Sufi Azhari Pambudi ◽  
M. Khoerul Mubin
Keyword(s):  
Interest Rates ◽  
Quantitative Research ◽  
Time Series Data ◽  
Series Data ◽  
Research Approach ◽  
Electronic Money ◽  
Correction Model ◽  
Income Levels ◽  
Long Run ◽  
Velocity Of Money

This study aims to examine the effect of electronic money transactions on the velocity of money in Indonesia. This study uses a quantitative research approach using quarterly time series data for the 2010q1-2018q4 period. Using variable velocity obtained from Gross Domestic Product (GDP) divided by M2, electronic money transactions, GDP per capita, and interest rates using the Error Correction Model (ECM) method. The results show that in the long run variable electronic money transactions, income levels and interest rates are significantly positive. In the short term, interest rates and income levels are significantly positive, while electronic money transactions only have a slight effect on the velocity of moneyin Indonesia.

scholarly journals IMPACT EVALUATION OF CARBON DIOXIDE (CO2) IN BHOPAL DUE TO INCREASE IN NUMBER OF PASSENGER CARS

2019 ◽  
Vol 7 (7) ◽  
pp. 422-431
Author(s):  
Niranjan Mudliar ◽  
Paramjeet Singh
Keyword(s):  
Carbon Dioxide ◽  
Public Transport ◽  
Income Group ◽  
The Other ◽  
State Governments ◽  
Passenger Cars ◽  
Lower Income Group ◽  
The Government ◽  
Carbon Dioxide Co2 ◽  
The City

India has been progressing steadily since last two decades in terms of affordability of commodity and purchasing power of the common man. This has given rise to demand which leads to the continuous economic growth. Of course, support from the Government of India as well as various state Governments has come in the form of reforms and infrastructure funding. However this growth has also seen the disadvantage of erratic consumption by wealthy persons as compared to the economically weaker sections, for example on one side there is heavy demand of passenger cars by the higher income group who uses it sparingly but on the other side people of the lower income group who are more in numbers have to rely on public transport. This imbalance creates a wider gap between public affordability to consume a particular commodity like passenger cars. On one side there are persons who buy the latest model introduced by the manufacturer in spite of having sufficient numbers at their disposal and on the other side basic lowest level model are out of reach of some persons in the society, who rely on two-wheeler or public transport which is not reliable. This has not only created a huge gap in public expenditure but has also impact the environment. With year on year increase in number of vehicles in tier 2 cities like Bhopal, there is tremendous influence on the carbon dioxide (CO2) in and around the city. Past decade saw increase in maximum temperatures during summer rise by 3 – 4 degrees above normal in Bhopal and there is clear effect on the monsoon pattern too which has become inconsistent with rains reaching 120 mm in three days. Earlier this quantity was spread over a month. The last major season of winter is seen getting reduced to two months only from the earlier four, again with temperatures dropping suddenly below normal etc. This effect must be the result of increasing number of passenger vehicles in the city apart from other factors which also need detailed study for their influence.

scholarly journals Waqf Development in Marawi City via Issuance of Perpetual Waqf Sukuk

2019 ◽  
Vol 6 (2) ◽  
pp. 68-80 ◽  
Author(s):  
Nur Shukri ◽  
Siti Zamri ◽  
Aishath Muneeza ◽  
Hanif Ghulam
Keyword(s):  
Qualitative Research ◽  
Limited Resources ◽  
Islamic Finance ◽  
Research Approach ◽  
Islamic State ◽  
Secondary Sources ◽  
The Government ◽  
Close Quarter ◽  
The City

Since 2017, the city of Marawi was left in ruins after five months of aerial bombardments and close-quarter fighting between Islamic State of Iraq and al-Sham (ISIS) and government forces. Many buildings were destroyed; mosques and schools are no exceptions. While rebuilding efforts have begun in the city, the government has limited resources to fund city reconstruction and Waqf properties (e.g. mosques and schools) are not constitutionally considered as part of the government assets. Fortunately, the government seeks to channel funding for city reconstruction, including Islamic finance schemes. Therefore, this paper aims to assess the opportunities and challenges to rebuild Waqf properties through the issuance of Sukuk, Islamic bond. This paper adopts a qualitative research approach where secondary sources such as books, journals, articles and websites related to Waqf are reviewed. The paper also examines the successful examples of Sukuk-Waqf as part of the analysis.

scholarly journals Information transparency: How do Department of Library and Information Science students at South Valley University perceive the state’s dealing with the novel coronavirus outbreak?

2020 ◽  
pp. 096100062096568
Author(s):  
Essam Mansour
Keyword(s):  
Quantitative Research ◽  
Information Science ◽  
Target Population ◽  
Library And Information Science ◽  
Research Approach ◽  
The Novel ◽  
Science Students ◽  
Information Transparency ◽  
The Government ◽  
Novel Coronavirus

This study proposes to investigate the knowledge and perception of students in the Department of Library and Information Science at South Valley University in Upper Egypt about the state’s dealing with the outbreak of the novel coronavirus known as COVID-19 that has been detected in Egypt in February 2020. A quantitative research approach was adopted in the form of a survey. The target population of the study included students ( N = 295) of the fourth year of Department of Library and Information Science at South Valley University, of which 253 responded to the study questionnaire, representing 85.8% of the total number. The study found that there is no significant relationship between the students’ gender and other variables of the study according to the statistics used. It also showed that the most popular information sources mentioned by Department of Library and Information Science students to get information related to the coronavirus were social media and the Internet/Web. The publication/dissemination of information and its availability were badly perceived by the students. About one-third of them questioned the government’s ability to deal with the novel coronavirus. They highly believe in the role of information transparency in fighting both administrative and human corruption. The students emphasized the citizens’ right to criticize the government when it does not comply with the transparency, as well as the right to access any information owned by it in any formats at any time. They were dissatisfied with the government’s ability to retrieve information, organize, store, have legislations, and own a good database of citizens, as well as its capabilities, in terms of transparency, competence, benevolence, honesty, accuracy, efficiency/effectiveness, practicality, and confidence, in relation to the outbreak of the novel coronavirus. Finally, the study indicated that barriers, such as the spread of administrative and human corruption, security restrictions, and the fragility of the freedom to disclose government information, were highly significant by the surveyed students.

scholarly journals Territori e piani dopo la crescita

2021 ◽  
Author(s):  
Francesca Calace
Keyword(s):  
Local Development ◽  
The Other ◽  
Urban Policies ◽  
Other Hand ◽  
Concrete Experience ◽  
Growth Planning ◽  
The Government ◽  
The City

The purpose of the book is, on one hand, to try to trace a method and some working perspectives for post-growth planning, and on the other hand, to testify, through a concrete experience, the old and new questions and the interpretative and visionary effort that the territory poses to planning today. In a region like Apulia, which has followed an innovative path in the government of the territory and the landscape, the experience of knowledge and project for the city of Ugento is an opportunity to reflect on how today the construction of the plan can accompany the government of the territory in its development, rather than claiming to direct it, penetrate its policies and interact with its various instruments in a dynamic and even experimental way. In this way the construction of the plan can provide for a system of values to refer to in order to navigate the change and the design vision to be placed at the base of urban policies, tactics, individual interventions, thus coming to be a tool at the service of local development.

scholarly journals Discourse Analysis on Announcement and Prohibition Board in the Province of Bangka Belitung Archipelago: The Study of Smart City

2021 ◽  
Vol 6 (2) ◽  
Author(s):  
Putra Pratama Saputra ◽  
Nurvita Wijayanti ◽  
Panggio Restu Wilujeng
Keyword(s):  
Smart City ◽  
Quantitative Research ◽  
City Planning ◽  
Local Community ◽  
Linguistic Rules ◽  
Writing Standards ◽  
The Government ◽  
Role Of The Government ◽  
Planning Office ◽  
The City

Announcement board in the city is somehow disturbing because of the illogical linguistic rules therefore it does not support the development of the smart city.The banned boards are indicated to have less educative meaning because they contain elements of swearing, diatribe, bad prayer, and spelling and writing errors. The role of the government in this matter that is responsible for making writing standards and the contents of prohibition boards and notice boards must be in line with the standard rules of language. Therefore, the researcher wants to collaborate with the City Planning Office, which in this case is responsible for arranging the prohibition and announcement boards in the municipal, regency, and sub-district cities in the Bangka Belitung Islands Province. Therefore, the view of Sociology studies is needed to recommend the concept of an ecology city based on smart city. The research method used is mixed method, namely qualitative research conducted  by interviewing the local community and quantitative research by conducting a questionnaire and counting the prohibition boards and announcements that are indicated not in accordance with the language rules.

scholarly journals Exploring the impact of COVID-19 on the taxi industry in the City of Johannesburg

2021 ◽  
Vol 10 (2) ◽  
pp. 272-294
Author(s):  
Nicola Wakelin-Theron ◽  
Wilfred Isioma Ukpere
Keyword(s):  
Interpretative Phenomenological Analysis ◽  
Supply And Demand ◽  
Insurance Fund ◽  
Research Approach ◽  
Individual Interviews ◽  
The Government ◽  
Technological Means ◽  
Taxi Industry ◽  
The Impact ◽  
The City

The tourism sector is currently one of the hardest hit by the pandemic, with impacts on both travel supply and demand. The transport system forms a key part of tourism, including the tourist experience at a destination. This research sought to understand how the taxi industry operates within the City of Johannesburg under the government restrictions imposed during COVID-19. The study adopted a qualitative research approach, based on interpretative phenomenological analysis (IPA) to explore the topic. Semi-structured individual interviews were conducted with participants who were purposively selected from the Johannesburg CBD taxi rank. Insufficient sanitisation and the breaching of curfews were observed. Limited guidance was provided during the initial stages of the pandemic, with no formal training. Financial support was made available, but drivers did not receive funds, as they did not comply with the requirements for membership of the Unemployment Insurance Fund (UIF) and Temporary Employee Relief Scheme (TERS) (Melzer, 2020). Illegal full-capacity loading and price increases were also evident. All participants seem to have expressed some form of anxiety, loneliness and uncertainty. Few suggestions were proposed towards sustainable practices and innovative technological means to support the industry during the lockdown and going forward.

scholarly journals The Extent of Child Trafficking and National Response in Ethiopia: A Quantitative Study

2021 ◽  
Vol 10 ◽  
pp. 1542-1554
Author(s):  
Aden Tolla ◽  
Shanta Singh
Keyword(s):  
Quantitative Research ◽  
Sampling Technique ◽  
Bivariate Analysis ◽  
Research Approach ◽  
Child Victims ◽  
Clear Understanding ◽  
Cross Sectional ◽  
Child Trafficking ◽  
Rights Of The Child ◽  
The Government

This article analyzes the extent of child trafficking from a quantitative standpoint. The quantitative research approach was adopted in this study, supported by the application of cross-sectional exploratory and descriptive research design, which was used to address the extent of child trafficking in Ethiopia. A total of 636 household respondents were selected by systematic random sampling technique to fulfil the adopted quantitative survey. Data analysis was carried out using Statistical Package for Social Sciences (SPSS) version 24.0 statistical software packages. Adapt Quantitative-Logistic Regression, Bivariate analysis, Multivariate analysis, and Cross-tabulation of extent and factors of child trafficking were thoroughly quantified. The extent of child trafficking from the total result in the study area is about 128 children had been trafficked from the total of 636 households and that means the extent of child trafficking is about 20.1 percent in East Este Woreda and Debre Tabor woreda in or 1 child from 5 children had been trafficked. It recommended, the research is needed to identify the extent of child victims and vulnerable of trafficking in the study area to combat the problem. On the other hand, for a clear understanding of the International Conventions and Treaties (such as fully translating Rights of the Child and all ratified conventions), the publication should be translated to Amharic and Oromifa version (local language) in the official Negarit Gazeta of Ethiopia, so that everyone could understand and seek to implement their right easily. Information gup is a disadvantage for the nation, the government should use different programs on television and radio to address the issue.

scholarly journals POLICY EVALUATION OF NINE-YEARS LEARNING COMPULSORY OF BASIC EDUCATION: OBJECTIVES CONTEXT

2020 ◽  
Vol 12 (2) ◽  
pp. 348-359
Author(s):  
Lia Amalia ◽  
Neti Karnati ◽  
Nurhatatti Fuad
Keyword(s):  
Local Governments ◽  
Basic Education ◽  
Evaluation Research ◽  
Compulsory Education ◽  
Interactive System ◽  
Research Approach ◽  
Education Policies ◽  
Analysis Technique ◽  
The Government ◽  
The City

The purpose of this research was to evaluate the policy of the nine-year learning compulsory of basic education from the objectives context. The research method used evaluation research approach through descriptive qualitative method. The data collection methods used interviews, observations, and documents. The data analysis technique used three stages, namely data reduction, data presentation, discussion, and drawing conclusions. The findings conclude that the objective of the nine-year compulsory education is in accordance with the government rule from the central and local governments. The methods used by the Serang government in achieving the goal of the nine-year compulsory education are the use of both natural and human resources, the participation of all parties in a comprehensive manner to carry out educational activities, and an interactive system of coordination between all parties. The implication of this research is seen in the implementation of education and management of education policies in the city of Serang.

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