scholarly journals Challenges for Inclusive Finance Expansion: the Case of CrediAmigo, a Brazilian MFI

2011 ◽  
Vol 15 (3) ◽  
pp. 57-69 ◽  
Author(s):  
Fréderic Lavoie ◽  
Marlei Pozzebon1 ◽  
Lauro Gonzalez
Keyword(s):  
Social Inclusion ◽  
Qualitative Case Study ◽  
Financial Inclusion ◽  
Policy Makers ◽  
Critical Issues ◽  
Microfinance Institution

Investigating the replication of microcredit methodologies in Brazil, this paper seeks to explore the conditions under which microfinance and microcredit, two “financial inclusion” strategies, are likely to enhance social inclusion. A qualitative case study was conducted focusing the path of CrediAmigo, a Brazilian microfinance institution (MFI). This study is probably the first to provide an integrated perspective on critical issues concerning the replication of microcredit methodologies in Brazil. The findings may support MFI managers and policy makers in taking steps to facilitate the expansion of microfinance across Brazil.

Effects of Financial Inclusion on Startup Establishment in OECD Countries

2018 ◽  
Vol 34 (1) ◽  
Author(s):  
Dinh Thi Thanh Van ◽  
Nguyen Thuc Trang
Keyword(s):  
Success Factors ◽  
Oecd Countries ◽  
Financial Inclusion ◽  
Economic Research ◽  
Mobile Banking ◽  
Policy Makers ◽  
Academic Researchers ◽  
Financial Index ◽  
Enterprise Survey

Financial inclusion and startup are two topics, which recently get attention of academic researchers and policy makers in Vietnam. One of the important factors for setting up a successful startup is the financial capability of the owners. Therefore, financial inclusion has a strong correlation with startup establishment. This article tested the effects of several factors in financial index (findex) developed by World Bank on startup establishment in some OECD countries. The result showed that borrowing from friends and relatives along with from credit institutions and opening a debit account at banks have  significant impacts on startup establishment in these countries. Finally, the article presented several recommendations for policy makers to stimulate the startup growth in Vietnam in the next time. Key words startup, financial inclusion, startup establishment References 1. Colman Msoka (2015), “Financial inclusion and microfinance in Tanzania”, Inclusive growth: Tanzania Country Report2. Endeavor-GEM, 2011, “High-Impact Entrepreneurship Global Report”3. Eric Ries, 2012, “The Lean Startup” book”, http://www.stpia.ir/files/The%20Lean%20Startup%20.pdf 4. European Startup Monitor, 2015, “European Startup Monitor 2015”, http://europeanstartupmonitor.com/fileadmin/presse/download/esm_2015.pdf 5. Jennifer Dahlin Ivarsson (2014), “Mobile-banking and entrepreneurship: Is there a link? A case study on South Africa”, Nationalekonomiska Institutionen, Box 7082, ISSN 0283 – 15896. Maher Al-Mahouq (2010), “Success factors of small and medium-sized enterprises(SMEs): The case of Jordan”, Anadol University jourmal of social sciences, Cilt/Vol.: 10 – Say/No:1-16 (2010)7. Mohammed S.Chowdhury (2013), “Success factors of entrepreneurs of small and medium sized enterprises: Evidence from Banladesh”, Business and Economic Research, ISSN 2162 – 4860, 2013, Vol.3, No.2.8. OECD, 2015, “Entrepreneurship at a Glance 2015”9. Roman Angela, 2011, “SME’s sector access to finance: An overview”10. Yao Wang, 2014, “What are the biggest obstacles to growth of SMEs in developing countries? An empirical evidence from an enterprise survey”, JED 210 Paper

Financial inclusion in the digital banking age: Lessons from rural India

2021 ◽  
pp. 1-22
Author(s):  
RAM A. CNAAN ◽  
MARQUISHA LAWRENCE SCOTT ◽  
H. DANIEL HEIST ◽  
M. S. MOODITHAYA
Keyword(s):  
Financial Literacy ◽  
Social Inclusion ◽  
Financial Inclusion ◽  
Rural India ◽  
Indian States ◽  
Banking Activity ◽  
Online Access ◽  
Digital Transactions ◽  
Financial Transactions

Abstract In the digital age, financial inclusion continues to be connected to social inclusion. While most personal financial transactions are shifting from cash currency to digital transactions, we must ensure that marginalized members of society are not unbanked and excluded from financial opportunities. Many countries are declaring their intention to transform to cashless societies. India is one such country. As a case study, we investigated rural Indian villages that declared themselves as cashless to assess the financial reality of villagers. We conducted a survey of households (N=3,159) within villages across seven Indian states. In each state, we studied a village that was officially declared cashless and a nearby comparison village. Our findings suggest that the comparison villages did as well as the cashless villages, as financial inclusion via digital banking was minimal to nonexistent. Alongside significant state variations, we found that financial literacy and online access were the best predictors of performing any digital banking activity. This study concludes with a warning against rushing toward digital banking and the formation of cashless societies, as marginalized populations may be excluded.

scholarly journals Smart mobility, age and data justice

2020 ◽  
pp. 146144482090268 ◽  
Author(s):  
Maria Sourbati ◽  
Frauke Behrendt
Keyword(s):  
Public Service ◽  
Social Inclusion ◽  
Data Gathering ◽  
Data Driven ◽  
Policy Makers ◽  
Mobility Data ◽  
Strategic Approach ◽  
Data Gaps ◽  
Smart Mobility

This article examines converging trends in ageing, digitalisation and datafication in the context of mobility and transport. While mobility data are increasingly captured by (public) transport and mobility as a service (MaaS) providers, Internet of Things (IoT) vehicles, apps and so on, the increasing entanglement of mobility and datafication happens unevenly, for example, in relation to age. This is particularly significant in the light of the rise of data-driven policy-making, and its potential impacts on mobility provision for older people. The article highlights new questions for public policy around data gaps and social inclusion and examines them through a UK case study. The results show that old age and mobility is an area with significant gaps in the data available to policy makers. A key recommendation is for commissioning bodies to develop a strategic approach to structured data gathering and analysis that addresses issues of exclusion from smart public service infrastructure.

scholarly journals Prediction of industrial land use using linear regression and mola techniques: A Case Study of Siltara Industrial belt

2015 ◽  
Vol 9 (2) ◽  
pp. 59-70 ◽  
Author(s):  
Sheikh Mustak ◽  
Naresh Baghmar ◽  
Sudhir Singh
Keyword(s):  
Linear Regression ◽  
Industrial Growth ◽  
Policy Makers ◽  
Future Scenario ◽  
Industrial Land ◽  
Agrarian Society ◽  
Industrial Land Use ◽  
Critical Issues ◽  
Sustainable Planning

The Siltara Industrial belt is an important industrial pocket of Chattisgarh state located in the northern part of the Raipur city, which is rapidly growing. In this process spatial, cultural, political and administrative factors are controlling its rate, direction and pattern. The Simple Linear Regression (SLR) and Multi-Objective Land Allocation (MOLA) techniques, which are embedded in SPSS and Idrisi Kilimanjaro software respectively, and have been used for the estimation of future scenario of the industrial growth. In this model, a suitable platform has been prepared in which future industrialization has been estimated by integrating physical, social, cultural factors and land acquisition policy. In this article, results have revealed that industrialization has occurred very fast during last one decade. The industrial land was 6.15 km2 in 2001 and 18.725 km2 in 2011 and estimated as 31.30 km2 in 2021 and 43.87 km2 in 2031 using SLR. The rapid industrial growth is very critical issues for agrarian society and fresh environment. This model very accurately estimating (overall accuracy=95.39%, Kno=97.24%, agreement=98.63 %) the future growth of industrial land. This work will be useful to the planners and policy makers of private and government sectors to regulate the sustainable planning practices and smart decision-making.

scholarly journals Financial Literacy and Inclusion Analysis of the Community of Pulau Seribu (A Case Study on Pramuka Island on the Limitations of Banking Financial Services in the Pulau Seribu)

2021 ◽  
Vol 2 (4) ◽  
pp. 255-261
Author(s):  
Erni Prasetiyani ◽  
Ai Nety Sumidartini ◽  
Achmad Barlian
Keyword(s):  
Qualitative Research ◽  
Financial Literacy ◽  
Financial Services ◽  
Swot Analysis ◽  
Financial Inclusion ◽  
Regional Government ◽  
Policy Makers ◽  
Depth Interviews

: The progress of a region can be measured by the level of financial literacy of its population and financial inclusion. DKI Jakarta is in the top financial ranking for literacy and inclusion, but it is inversely proportional to the Pulau Seribu region. This research is a qualitative research with the technique of obtaining data through in-depth interviews with residents in the Pulau Seribu. The results are processed with a Strength Weakness Opportunity Threat (SWOT) analysis to produce a map of the strengths, weaknesses, opportunities and threats that exist in the Pulau Seribu region. With the SWOT condition in the region, it is hoped that the policy makers, namely the Otoritas Jasa Keuangan (OJK), the DKI Jakarta Regional Government and the community themselves are able to synergize in formulating strategies to accelerate the backwardness of the Pulau Seribu with DKI Jakarta.

The Impact of Financial Inclusion on Monetary Policy: A Case Study in Vietnam

2018 ◽  
pp. 5-22 ◽  
Author(s):  
Huong Thi Truc Nguyen
Keyword(s):  
Monetary Policy ◽  
Negative Impact ◽  
Financial Inclusion ◽  
Policy Makers ◽  
Main Research ◽  
Secondary Sources ◽  
Pca Method ◽  
The Impact ◽  
Aid Policy

This paper examines the impact of financial inclusion (FI) on monetary policy (MP) – a case study in Vietnam. The PCA method is used to construct a FI index- considered as a comprehensive measure of FI. To answer the main research questions, OLS and GLS models are used to analyze and to overcome the phenomenon of heteroskedasticity. Data is collected through secondary sources including World Bank and IMF reports (for the period 2004-2015). The results of empirical research indicate that there is a negative impact of FI on MP. Accordingly, FI transmits to more successful MP, making efficient financial intermediation and balances, contributing to a stable and sustainable economy. This study concludes that FI will enable monetary policy to extend its reach to the financially excluded and aid policy makers to make better predictions of movements in inflation.

Do Central Banks Have a Role in Financial Inclusion?

2021 ◽  
pp. 119-137
Author(s):  
David Ferrand ◽  
Ignacio Mas
Keyword(s):  
Financial Institutions ◽  
Mobile Networks ◽  
Financial Stability ◽  
Central Banks ◽  
Financial Inclusion ◽  
Policy Makers ◽  
Bank Management ◽  
Formal Services

The chapter focuses on the role of central banks in fostering financial inclusion and specifically on the potential impact of financial inclusion on financial stability and economic growth. It examines the expansion of financial inclusion, from the reliance on informal solutions to the availability of formal services, through the engagement of policy-makers who have impacted on the way the financial sector has developed to be increasingly networked, driven by digitization, and supported by digital mobile networks. It highlights Kenya’s global success in financial inclusion; Kenya is used as a case study in central bank management, financial inclusion, and its contribution to economic development. It concludes by pointing out the risks associated with the absence of countervailing policies by financial institutions which may lead to unexpected losses to the financial system, and ultimately a banking crisis.

scholarly journals Agro-Urban Landscape: the case study of Monteruscello-Naples

2017 ◽  
Author(s):  
Alessandra Como ◽  
Luisa Smeragliuolo Perrotta ◽  
Carlo Vece
Keyword(s):  
Rural Areas ◽  
Urban Form ◽  
Urban Landscape ◽  
Social Aspects ◽  
Public Ownership ◽  
Policy Makers ◽  
The Social ◽  
Critical Issues ◽  
The City

If the morphology and the studies on the urban form are closely related to the social aspects and are responsibility of architects and policy makers, the issue becomes even more complicated if we're talking about cities with a high number of buildings under public ownership or urban fragments with important dimensions. In Italy there is a very rare case of recent foundation that is the neighborhood Monteruscello in the city of Pozzuoli. Built in the 80s to face the bradisism events that had made uninhabitable other city areas, Monteruscello today, for its dimension, can be considered a "city in the city" where the 90% of the buildings are under public ownership. The neighborhood's project is designed by Agostino Renna who had built Monteruscello through analogical composition with fragments of spatial references of other places and cities. The architect has put in the neighborhood - mainly made up of rural areas - its urban model adapting it to the specific geography of places. During the years the neighborhood has never built an own identity becoming one of the most degraded areas of the city. The paper deals with the issue of urban form and morphology today starting from the study of Monteruscello - as imagined by its creator through the critical issues that underlie its design - and through an experimental design of a new agro-urban landscape for the neighborhood that involves three hectares of public green spaces - now abandoned - turning them into agricultural lands to urban use and growth resource. References Renna, A. (ed.) (1980) L’illusione e i cristalli : immagini di architettura per una terra di provincia (Clear, Roma) Giglia, A. (1997) Crisi e ricostruzione di uno spazio urbano : dopo il bradisismo a Pozzuoli : una ricerca antropologica su Monteruscello (Guerini, Milano) Capozzi, R. (ed.) (2016) Agostino Renna : la forma della città (Clean, Napoli) Pagano, L. (ed) (2012) Agostino Renna : rimontaggio di un pensiero sulla conoscenza dell’architettura : antologia di scritti e progetti 1964-1988 (Clean, Napoli)

scholarly journals A Reflexive View of Refugee Integration and Inclusion: A Case Study of the Mennonite Central Committee and the Private Sponsorship of Refugees Program

Refuge ◽  
2019 ◽  
Vol 35 (2) ◽  
pp. 9-23
Author(s):  
Luann Good Gingrich ◽  
Thea Enns
Keyword(s):  
Social Exclusion ◽  
Interpersonal Relationships ◽  
Social Inclusion ◽  
Qualitative Case Study ◽  
Central Committee ◽  
Private Sponsorship ◽  
Social Fields ◽  
Institutional Relations ◽  
Mennonite Central Committee

Through a qualitative case study with Mennonite Central Committee (MCC) sponsorship groups and former refugee newcomers, we adopt a reflexive, relational, and systemic lens (Bourdieu) to analyze the institutional and interpersonal relationships in the Private Sponsorship of Refugees (PSR) Program, and more specifically, the ways in which MCC Ontario’s sponsorship program invigorates or frustrates dynamics of social inclusion. We situate the institutional relations of the PSR Program as nested social fields and sub-fields, revealing complementary and competing systems of capital that direct explicit and implicit visions for “success” in MCC sponsorships. A peculiar Mennonite/MCC social field and structure of capital generates institutional and social tensions, yet an ambivalent disposition or divided habitus presents possibilities for seeing, understanding, and challenging dynamics of social exclusion.

scholarly journals An institutional and socio-cultural perspective on the adaptation pathways approach

2015 ◽  
Vol 6 (4) ◽  
pp. 743-758 ◽  
Author(s):  
Rutger van der Brugge ◽  
Ronald Roosjen
Keyword(s):  
Analytical Framework ◽  
Cultural Analysis ◽  
Cultural Perspective ◽  
Policy Makers ◽  
New Approach ◽  
Cultural Conditions ◽  
Critical Issues ◽  
Further Development ◽  
Fresh Water Supply

The uncertainties surrounding climate change are creating challenges for policy makers with regard to investments in water-related infrastructure. A promising new approach is the adaptation pathways approach. This article contributes to this approach by introducing an institutional and socio-cultural perspective. It presents an analytical framework to evaluate the necessary institutional and socio-cultural conditions, uncovering challenges with regard to the governance of adaptation and of keeping options open for the future. The framework has been applied to the case study of fresh water supply in the Netherlands. Based on an institutional and socio-cultural analysis, the feasibility, flexibility and governance of adaptation strategies are discussed. Reflecting on the presented framework, critical issues are addressed with regard to the further development of the adaptation pathways approach.

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