scholarly journals The Influence of Geographical Coverage on the Microfinance Sustainability and Outreach in Northern Ghana

2010 ◽  
Vol 12 (2) ◽  
pp. 82
Author(s):  
Issahaku Salifu
Keyword(s):  
Positive Relationship ◽  
Descriptive Statistics ◽  
Northern Ghana ◽  
Primary Data ◽  
Sampling Techniques ◽  
Ethical Standards ◽  
Microfinance Institutions ◽  
View Point ◽  
Microfinance Institution ◽  
Structured Questionnaire

The study examined for statistically significant relationship between geographical coverage of microfinance institutions and sustainability and outreach from the view point of managers and operational staff in northern Ghana. Structured questionnaire was used in collecting data. The questionnaire was administered to a sample of 181 managers and operational staff of 18 microfinance institutions. The study used primary data. In selecting the respondents for this research paper, purposive and convenient sampling techniques were employed. The questionnaire was personally administered by the researcher. The study was conducted to ethical standards and respondents were made aware that participating in the study was voluntary. Data collected was analyzed using Spearman’s correlation and descriptive statistics. The research uncovered a statistically significant positive relationship between geographical coverage and sustainability and outreach in northern Ghana using Spearman’s correlation. In addition, the use of descriptive statistics showed that geographical coverage of microfinance institution influenced its sustainability and outreach with particular reference to the number of clients served, location of offices or branches, and scope of coverage. This study adds to the literature on geographical coverage and microfinance sustainability and outreach in the context of northern Ghana. This study is limited to only northern Ghana and not Ghana in its entirety.

Effects of Financial Innovations on Profitability for Deposit Taking Microfinancing Institutions in Kenya

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  
Keyword(s):  
Financial Institutions ◽  
Positive Relationship ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Statements ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Financial Innovations ◽  
Strong Positive Relationship

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.

scholarly journals Influence of Green Recruitment and Selection on Sustainability of Selected Tea Factories in Kericho Highlands Region, Kenya

2022 ◽  
Vol 5 (1) ◽  
pp. 1-10
Author(s):  
Towett Joseah Kiplangat ◽  
Hellen Sang ◽  
Paul Kingori
Keyword(s):  
Positive Relationship ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Alpha Coefficient ◽  
Capital Theory ◽  
Correlational Research ◽  
Analyse Data ◽  
Recruitment And Selection ◽  
Instrument Reliability ◽  
Structured Questionnaire

The focus of this study was to assess the influence of green recruitment and selection on the sustainability of selected tea factories in Kericho Highlands region, Kenya. The study was anchored on human capital theory. It adopted a correlational research design, with a targeted population of 915 respondents drawn from tea factories in the Kericho highlands region. A sample size of 278 respondents was determined scientifically using the Yamane taro formula. Primary data was collected using a structured questionnaire. The validity of the research was checked together with the supervisors and subject experts, while instrument reliability was determined through Cronbach's alpha coefficient, where a coefficient of 0.7987 was obtained. Descriptive statistics and regression analysis was used to analyse data. The findings established a significant positive relationship between green recruitment and selection and the sustainability of the tea factories. The study concluded that green recruitment and selection influenced the sustainability of the factories.

scholarly journals Level of Adoption of Improved Cassava Technologies in Benue State

2019 ◽  
pp. 1-13
Author(s):  
Juliet Ogadinma Onyemma ◽  
Koko Michael Tertsea ◽  
Nkem Kelechi Ogbonna ◽  
Nwafor Solomon Chimela
Keyword(s):  
Survey Design ◽  
Simple Random Sampling ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Sampling Techniques ◽  
Long Time ◽  
High Level ◽  
Awareness Level ◽  
Structured Questionnaire ◽  
Cassava Varieties

Aims:  The study aimed to determine the level of adoption of improved cassava technologies in Benue State. Study Design:  The Survey design was adopted for the study. Place and Duration of Study: The study was carried out in Benue State, between September 2018 and March 2019. Methodology: Cluster and simple random sampling techniques were used to select 336 respondents for the study. Primary data were collected using Semi-structured questionnaire. The objectives were achieved using descriptive statistics such as percentages, frequencies and means and Rank ordered analysis. Results: The improved cassava technologies in Benue state were identified to include; TMS 0505, TMS 0581, TMS 30572, TMS 01/1368, TMS 96/1632, TMS 92/0326, TME 419, NR 8082.The result revealed that the percentage awareness for TMS 0505 was high 65% (238) but the adoption of TMS 0505 was low 32% (78). There is moderate awareness level for TMS 0581 49% (179) and TMS 02/1368 56% (294) with moderate adoption 55% (98) and 53% (109) respectively. Also, the awareness level for TMS 92/0326 is high 72% (265) with moderate adoption 44% (116); TME 419 and NR 8082 had high awareness level 85% (311) and 88% (323) with high adoption 65% (201) and 68% (221) respectively. The result also revealed that famers complained that the improved cassava varieties cannot store for a long time in the farm 93% (342) and that there is no market to sale increased quantity of cassava roots. Conclusion:  Thus it was concluded that there is generally high level of awareness of improved cassava varieties in Benue state but with moderate to low adoption rate. The study thus recommend that farmers should be consulted and their needs should always be considered in such development ventures. This will ensure high adoption and high impact as well.

ATM Withdrawal Restriction and Customer Retention: A Case with Students and Pensioners

2015 ◽  
Vol 3 (1) ◽  
Author(s):  
Rajat Deb ◽  
Anirima Datta
Keyword(s):  
Factor Analysis ◽  
Graduate Students ◽  
Financial Planning ◽  
Financial Services ◽  
Statistical Tests ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Sampling Techniques ◽  
Unlimited Access ◽  
Major Factors

Objectives: The present study seeks to examine the perception of the graduate students and pensioners of some selected localities of Kolkata about the importance of ATMs as a branch surrogate, impact of the ceiling on withdrawals from ATMs, and the strategies to win over the capping for the customers as well as for the banks to retain them. Participants and Data collection: It obtained primary data from 200 respondents consisting of 140 graduate students and 60 pensioners using different non-probability sampling techniques through schedule and personal interviews. Research Methods: Different statistical tests like factor analysis, Mann Whitney U test, students t-test, regression analysis, and descriptive statistics were performed to assess support for the hypotheses. The reliability of the questions and sample adequacy test was also carried out. Through factor analysis, five major factors viz. perceptions about ATM- an avatar for banks, customers satisfaction in ATM services, customers repercussion on capping, financial planning for withdrawals, and strategies for customers to avoid charges and for banks to retain them were extracted. Results: The results of the study suggest that youth prefer to use ATMs which has become indispensable and provide diversified financial services that leads to customers satisfaction, but withdrawing now requires some planning as customers need to visit branches to avoid fees. To retain the customers the banks should encourage the use of more electronic cards and net banking, should not charge for withdrawing own funds, allow them to access even the non-home branch ATMs close to the their locality, should reduce the minimum average floor balance to enjoy free unlimited access of home bank ATMs and keep currency of higher denomination to reduce the number of transactions.

scholarly journals Significance of marketing activities in garments industry: experience from bangladesh

2015 ◽  
Vol 1 (1) ◽  
pp. 17-29
Author(s):  
Mahamudul Hasan
Keyword(s):  
Regression Analysis ◽  
Market Research ◽  
Positive Relationship ◽  
Descriptive Statistics ◽  
Dhaka City ◽  
Significant Positive Relationship ◽  
Marketing Activities ◽  
Overall Performance ◽  
Industry Experience ◽  
Structured Questionnaire

This study aims to investigate the importance and effect of marketing activities in the garments industry of Bangladesh. The researchers have used a structured questionnaire to collect data from seventy garments companies of Dhaka city. Descriptive statistics, one sample t test and regression analysis have been subsequently used to analyze the data. The analysis shows that product planning, pricing, promotion, distribution, market research and marketing planningrelated activities are important for the garments business. The regression analysis shows that importance given to pricing and importance given to promotion have significant positive relationship with the overall performance of the garments business.

scholarly journals An assessment of goat production practices in jigawa-state

2020 ◽  
Vol 47 (1) ◽  
pp. 122-128
Author(s):  
O. A. Ojo ◽  
W. Buba
Keyword(s):  
Informal Education ◽  
Sampling Technique ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Two Stage ◽  
Initial Capital ◽  
Major Constraint ◽  
Production Practices ◽  
Structured Questionnaire

This study evaluated the socio-economic characteristics of goat farmers, their production practices and constraints to production in Jigawa State. Respondents for the study were selected using a two-stage sampling technique. Primary data were collected with the aid of well-structured questionnaire and analyzed using descriptive statistics. The results showed that the majority (73.7%) of the producers are males and most (32.4%) were within the age bracket of 26-35 years, many (39.1%) of them had household sizes of (1-5) and majority of the respondents (53.1%) had informal education. Also, the results revealed that the major constraint to goat production in the study location was lack of initial capital (43.0%), followed by disease and parasites (30.7%), then theft and predators (12.8%). This study recommends that goat farmers should come together and form cooperatives; thereby they could have access to soft loans hence improving production, in terms of medication and capital for investment and expansion.

scholarly journals Examining Credit Screening Criteria’s: Evidence from Five Selected Microfinance Institutions in South West Ethiopia, Oromiya Region, Jimma Town

2020 ◽  
pp. 53-62
Author(s):  
Kefiyalew Belachew Bayu ◽  
Dagnachew Abera Hunde
Keyword(s):  
Default Risk ◽  
Secondary Data ◽  
Primary Data ◽  
Microfinance Institutions ◽  
South West ◽  
Microfinance Institution ◽  
Inquiry Method ◽  
Loan Growth ◽  
South West Ethiopia ◽  
Jimma Town

The ability of MFI's to formulate and adhere to policies and a procedure that promotes credit quality and curtails non-performing loans is the means to survive in the stiff competition. Inability to create and build up quality loans and creditworthy customers lead to default risk and bankruptcy as well as hampers economic growth of a country. This study of credit screening– A Case Study on Microfinance Institution in South West Ethiopia, Jimma Town is an attempt to indicate the criteria that MFI’s should take in credit screening. Thus, the rationale behind for undertaking this study is to deeply examine and screen the credit criteria and to suggest the possible solutions that enable the MFI’s to run its operation most safely as credit is known to be the mainstay of all MFI. For the study, both primary and secondary data were used. Primary data was collected using structured questionnaires and in-depth- interview and Qualitative approach were adopted. Hence, the nature of the study is descriptive and it is related to qualitative analysis method. The census or total universe inquiry method was applied since the study is the easily manageable and the total number of population in the MFI was less than 30. Finally, based on the findings possible recommendations were given. These include the issues impeding loan growth and rising loan clients complaint on the MFI regarding the valuing of feature offered for collateral, lengthy of loan processing, amount of loan processed and approved, loan period as well as the amount, and discretionary limits are currently affecting the performance of credit screening and management.

scholarly journals Measuring Customer Satisfaction Towards Microfinance Services Provided in Vietnam

2020 ◽  
pp. 325-334
Author(s):  
Van Duong Ha
Keyword(s):  
Customer Satisfaction ◽  
Socioeconomic Development ◽  
Correlation Method ◽  
Statistical Technique ◽  
Descriptive Statistics ◽  
Quality Data ◽  
Dimension Theory ◽  
Microfinance Institutions ◽  
Microfinance Institution ◽  
Broad Dimension

Customer satisfaction towards microfinance services is a measure of how microfinance services supplied by a microfinance institution meet or surpass customer expectation. The use of microfinance services plays a very important role in the socioeconomic development and contributes significantly to the development of microfinance sector in one nation. This study aims at measuring the customer satisfaction towards microfinance services they are using. This study uses the five broad dimension theory of service quality, data will be collected from the way of survey from microfinance institutions (MFIs) customers and later on will be analyzed by statistical technique and tools like descriptive statistics, and correlation method. The descriptive statistics are conducted to show out some specific areas in which MFIs need to pay more attention. The correlation analysis is to find out the relationship between each independent variable and the dependent variable. Finally, the conclusion and recommendation will summarize the key findings of the research and give suggestions to MFIs in Vietnam.

scholarly journals EFFECT OF MICROFINANCE ON SMALLHOLDER FARMERS’ LIVELIHOOD IN RWANDA: A CASE STUDY OF NYAMAGABE DISTRICT

AGROFOR ◽  
2020 ◽  
Vol 5 (1) ◽  
Author(s):  
Eularie MUTAMULIZA ◽  
Edouard MUSABANGANJI
Keyword(s):  
Propensity Score ◽  
Propensity Score Matching ◽  
Rural Areas ◽  
Nearest Neighbor ◽  
Smallholder Farmers ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Nearest Neighbor Matching ◽  
The Government

Microfinance in Rwanda is considered as one of the most crucial mechanisms in the implementation of the Government program to reduce poverty and to increase economic growth. However, despite the effort made by the Government of Rwanda to put in place microfinance institutions in rural areas, little is known about the effects of microfinance on smallholder farmers’ income in Nyamagabe District of Rwanda. This study aimed at examining the contribution of microfinance services to the income of smallholder farmers in Nyamagabe District. Primary data were collected from 240 respondents randomly selected in 3 sectors of Nyamagabe District using structured questionnaires. Data were analyzed using descriptive statistics to describe the socio-economic characteristics of the respondents and Propensity Score Matching was used to assess the effect of microfinance on smallholder farmers’ livelihood. The results from descriptive statistics showing that 117 respondents were participants in microfinance services and 123 were nonparticipants and more men were committed to participate and to access microfinance services than women. Results from Propensity Score Matching Model using both Kernel Based Matching and Nearest Neighbor Matching showed that the households participating in microfinance services increased their total annual income by 256,674 Rwandan francs and 228,246 Rwandan francs more than non-participants, respectively. The study recommended that smallholder farmers should be encouraged to participate in microfinance services to increase their income and agricultural productivity. The use of SACCOs and microfinance services needs to be promoted in order to provide an instrument for mobilizing savings and extending credit.

The Impact of Microfinance Institution on Development of Small and Medium Enterprises: A Case Study of Lagos State

2016 ◽  
Vol 3 (9) ◽  
pp. 81
Author(s):  
Hauwa Daniyan Bagudu ◽  
Shazida Jan Mohd Khan ◽  
Abdul Hakim Roslan
Keyword(s):  
Product Innovation ◽  
Small And Medium Enterprises ◽  
Descriptive Statistics ◽  
Lagos State ◽  
Microfinance Institution ◽  
Medium Enterprises ◽  
The Impact ◽  
Major Target ◽  
Structured Questionnaire

The major target of this study is to evaluate the effect of Microfinance Institution (MFIs) on the development of SMEs (Small and medium enterprises) in Lagos state Nigeria. Simple random techniques of sampling were employed in this study in selecting 70 SMEs which constituted the size of the sample of the research. To facilitate the obtaining of relevant data that was used for analysis in this study, structured questionnaire was designed. Descriptive statistics involving simple graphical charts and tables was strategically applied in presentation and analysis of data. The outcome of the findings indicates that large number of SMEs are benefiting from the loans granted by the MFIs, despite the fact that few of them have sufficient ability to secure the needed amount. Interestingly, most of the SMEs admit positive MFIs loans contribution towards advancing their market share, the economic competitive advantage of the company and achieving market excellence through product innovation.

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