scholarly journals An Investigation into the Impact of COVID-19 on the Performance of a Non-profit Microfinance Institution

2021 ◽  
pp. 175-181
Author(s):  
B. Zaneta Prarthana ◽  
K. R. Ashok ◽  
K. Mahendran ◽  
Srivara Buddhi Bhuvaneswari
Keyword(s):  
Tamil Nadu ◽  
Ground Level ◽  
Microfinance Institutions ◽  
Loan Repayment ◽  
Non Profit ◽  
Before And After ◽  
Microfinance Institution ◽  
The Government ◽  
Negative Impacts ◽  
The Impact

This article deals with the effect of the COVID-19 pandemic on the performance of a non-profit microfinance institution operating in the Nilgiris and Perambalur districts of Tamil Nadu in India. The primary focus of the paper is on the microfinance institute’s financial performance in terms of outreach and portfolio quality before and after the coronavirus outbreak. The most worrisome factors that were encountered in due course of the study include a decline in loan portfolio and clientele, and an increasing trend in portfolio at risk (PAR) percentage due to a surge in client overdues, outstanding loan amount and rise in number of delinquent clients. These negative impacts on performance were further investigated by establishing a connection to the clients’ repayment ability. A survey was conducted among the women clients of the microfinance institution by enlisting 120 respondents, 60 from each district to identify the various constraints faced by them in loan repayment as a result of the government-imposed lockdown that affected their livelihood and curbed their source of income. Therefore, an attempt has been made to bring out the ground level realities that played an important role in disrupting the normal functioning of the microfinance institution during the pandemic outbreak. This will prove useful in setting guidelines for future crises of like nature to enable microfinance institutions to keep functioning efficiently without any drastic changes to their performance.

Is a Corruption Crackdown Really Good for the Economy? Firm-Level Evidence from China

2020 ◽  
Author(s):  
Zhiyuan Chen ◽  
Xin Jin ◽  
Xu Xu
Keyword(s):  
Negative Impact ◽  
Foreign Firms ◽  
Private Firms ◽  
Firm Level ◽  
Personal Connections ◽  
Before And After ◽  
Short Run ◽  
The Government ◽  
Negative Impacts ◽  
The Impact

Abstract We study the impact of anticorruption efforts on firm performance, exploiting an unanticipated corruption crackdown in China’s Heilongjiang province in 2004. We compare firms in the affected regions with those in other inland regions before and after the crackdown. Our main finding is an overall negative impact of the crackdown on firm productivity and entry rates. Furthermore, these negative impacts are mainly experienced by private and foreign firms, while state-owned firms are mostly unaffected. We present evidence concerning two potential explanations for our findings. First, the corruption crackdown may have limited bribery opportunities that helped private firms operate. Second, the corruption crackdown may have interfered with personal connections between private firms and government officials to a greater extent than institutional connections between state-owned firms and the government. Overall, our findings suggest that corruption crackdowns may not restore efficiency in the economy, but instead lead to worse economic outcomes, at least in the short run (JEL L2, M1, O1).

scholarly journals Dampak Pembangunan Waterfront Pontianak CityTerhadap Perubahan Aspek Kehidupan Masyarakat Sekitar Tepian Sungai Kapuas

2020 ◽  
Vol 11 (1) ◽  
pp. 35
Author(s):  
Bangun Eddi Suryanto ◽  
Friska Devi
Keyword(s):  
Research Method ◽  
Qualitative Approach ◽  
Community Life ◽  
Economic Aspects ◽  
Before And After ◽  
Pros And Cons ◽  
The Government ◽  
Negative Impacts ◽  
Welfare Changes ◽  
The Impact

The purpose of the study with the title the impact of Pontianak City waterfront development on changes in aspects of community life around the banks of the Kapuas river, by taking the issue of how the economic situation of the community around before and after the construction of Waterfront Pontianak City and how the impact of the development of Pontianak City waterfront on aspects of community life around the banks of the river Kapuas. This research method is a descriptive qualitative approach, using interview and observation techniques. The results showed that the changes that occurred after the development of Waterfront Pontianak City experienced positive and negative impacts. Where these changes occur in economic aspects and social welfare. Changes in the economic aspects, namely they feel the income they get increased from before this development. But for the sake of the construction of the Waterfront Pontianak City, the government demolished the houses of residents around the banks of the Kapuas river. So this causes the pros and cons of the community because the community feels that the compensation given by the government is not what they expected.

Borrowers satisfaction evaluation from Microfinance institution by Using FCEM

2022 ◽  
Author(s):  
Yan Yunxian ◽  
Munawar Hassan ◽  
Shafqat Iqbal ◽  
Shahbaz Gul Hassan
Keyword(s):  
Poverty Reduction ◽  
Evaluation Method ◽  
Comprehensive Evaluation ◽  
Fuzzy Comprehensive Evaluation ◽  
Microfinance Institutions ◽  
Level Of Satisfaction ◽  
Degree Of Satisfaction ◽  
Microfinance Institution ◽  
The Government ◽  
The Impact

Abstract Boundless researchers have made efforts to assess the impact of Microfinance on poverty reduction both positively and negatively, but the perception of borrowers about the effectiveness of Microfinance has not been yet found. This study adopts the Fuzzy Comprehensive Evaluation Method (FCEM) in conjunction with the Analytical Hierarchy Process (AHP) to evaluate the level of satisfaction of borrowers with the products and services of microfinance institutions at different criterion levels. The goal is to assess the level of satisfaction for each criterion level under the degree of satisfaction of the borrower about the product and services provided by Microfinance Institution (MFI). Findings show that the claim of MFI was false because study evidence makes it clear that borrowers are not satisfied with the product and services of MFI. In addition to the literature, this study also highlighted the weakness of the MFI product and services. Thus, both the government and the MFIs can improve their performance and change their policies for the welfare of the borrowers.

Impact of Elected Women Representatives of Panchayati Raj in Physical and Financial and Business Assets Development of Rural Women: A Study among the Rural Women’s of Tiruvannamalai District, Tamil Nadu[1]

2017 ◽  
Vol 4 (24) ◽  
Author(s):  
Kalaichelvi Sivaraman ◽  
Rengasamy Stalin
Keyword(s):  
Rural Women ◽  
Rural Areas ◽  
Urban Areas ◽  
Direct Democracy ◽  
Tamil Nadu ◽  
Local Level ◽  
Rural And Urban Areas ◽  
The Government ◽  
The Impact ◽  
Panchayati Raj

This research paper is the part of Research Project entitled “Impact of Elected Women Representatives in the Life and Livelihood of the Women in Rural Areas: With Special Reference to Tiruvannamalai District, Tamil Nadu” funded by University of Madras under UGC-UPE Scheme.The 73rd and 74th amendments of the Constitution of India were made by the government to strengthen the position of women and to create a local-level legal foundation for direct democracy for women in both rural and urban areas. The representation for women in local bodies through reservation policies amendment in Constitution of India has stimulated the political participation of women in rural areas. However, when it’s comes to the argument of whether the women reservation in Panchayati Raj helps or benefits to the life and livelihood development of women as a group? The answer is hypothetical because the studies related to the impact of women representatives of Panchayati Raj in the life and livelihood development of women was very less. Therefore, to fill the gap in existing literature, the present study was conducted among the rural women of Tiruvannamalai district to assess the impact of elected women representatives in the physical and financial and business development of the women in rural areas. The findings revealed that during the last five years because of the women representation in their village Panjayati Raj, the Physical Asset of the rural women were increased or developed moderately (55.8%) and Highly (23.4%) and the Financial and Business Asset of the rural women were increased or developed moderately (60.4%) and Highly (18.7%).

scholarly journals Effects of the COVID-19 Pandemic on Sports Entrepreneurship

2020 ◽  
Vol 12 (20) ◽  
pp. 8493
Author(s):  
Paloma Escamilla-Fajardo ◽  
Juan M. Núñez-Pomar ◽  
Ferran Calabuig-Moreno ◽  
Ana M. Gómez-Tafalla
Keyword(s):  
Service Quality ◽  
Risk Taking ◽  
Non Profit ◽  
Paired Sample ◽  
Sports Clubs ◽  
Before And After ◽  
The Impact ◽  
The Relationship ◽  
Linear Regressions ◽  
Crisis Situations

Sports entrepreneurship has been considered an important part of sports organisations when overcoming crisis situations. The aim of this study is to determine the impact of the crisis derived from COVID-19 on sports entrepreneurship and whether there are differences in the prediction of entrepreneurship on service quality in non-profit sports clubs. To this end, 145 sports clubs were analysed before and after the outbreak of the virus in society. Paired sample-t tests were carried out to determine the differences in variables studied before (Time I) and after (Time II) the COVID-19 outbreak, and correlations and hierarchical linear regressions were used to analyse the relationship between the variables studied in the two different stages. The results obtained show that risk-taking and innovation are significantly higher after the appearance of COVID-19, while proactivity has not undergone significant changes. Finally, the relationship between sports entrepreneurship and service quality is positive and significant in both stages but stronger before the crisis.

Impact of Dividend Tax Change on the Payout Policy of Indian Companies

2019 ◽  
Vol 20 (5) ◽  
pp. 1282-1291
Author(s):  
Sanjay Dhamija ◽  
Ravinder Kumar Arora
Keyword(s):  
Negative Impact ◽  
Payout Policy ◽  
Tax Law ◽  
Dividend Payout ◽  
Inside Ownership ◽  
Regulatory Changes ◽  
Before And After ◽  
The Government ◽  
The Impact ◽  
Dividend Tax

The article examines the impact of regulatory changes in the tax on dividends on the payout policy of Indian companies. The tax law was recently amended to levy tax on dividends received by large shareholders. As the promoters group is the largest shareholder, this is expected to have a negative impact on the payout policy of companies. Furthermore, companies with larger promoter holdings have a higher motivation to reduce their payout. The study covers 370 companies present in the BSE 500 Index and compares the dividend payout of the companies before and after the introduction of tax levy. The study finds that the newly introduced tax indeed caused a shift in the dividend policy of companies, particularly those companies which have high levels of inside ownership. The findings have significant implications for companies, investors and the government.

scholarly journals A Study on the Sustainability of Microfinance Institutions in Serving the Low-Income Group in Malaysia

2021 ◽  
Vol 8 (Special Issue) ◽  
pp. 339-353
Author(s):  
Nur Harena Redzuan ◽  
Amir Abidin Bashir
Keyword(s):  
Low Income ◽  
Income Group ◽  
Small Scale ◽  
Microfinance Institutions ◽  
Poverty Eradication ◽  
The People ◽  
Start Up ◽  
Low Income Groups ◽  
The Government ◽  
The Impact

A microfinance scheme was introduced in Malaysia in the year 1987 as one of the alternatives to poverty eradication strategies in the country by the government. Since then, several institutions have created to carry out the agenda of providing small loans to the low-income group to start up their small-scale business to generate more sources of income to support their household consumption. However, for a certain reason, the people still do not find microfinance an important tool to uplift their economic positions. Most of the low-income groups are still unaware of this golden opportunity tailored for them. Besides, the sustainability of these subsidized microfinance systems implemented by Malaysia had not been appropriately studied. This study explores the attractiveness of the products offered by microfinance institutions and emphasizes the option that the participants must start utilizing the product. This research also explores microfinance facilities that contain conventional finance element which is prohibited in Islamic trade. The study also discusses the measures and actions taken by microfinance institutions in serving the low-income group in Malaysia. This paper employs a qualitative method through interviews and content analysis. The report, journal publications, and other related documents were also analyzed in achieving the objectives. The study provides the impact that it may pave the way to an indistinct understanding of how Islamic microfinance institutions sustain their operations.

scholarly journals (A296) Psychosocial Disaster Preparedness Program Form School Children

2011 ◽  
Vol 26 (S1) ◽  
pp. s83-s83 ◽  
Author(s):  
E.A. Raj ◽  
K. Sekar
Keyword(s):  
School Children ◽  
Disaster Preparedness ◽  
Tamil Nadu ◽  
Control Group ◽  
Care Givers ◽  
Effective Manner ◽  
Before And After ◽  
Teachers And Students ◽  
The Individual ◽  
The Impact

The impact of natural disasters on individuals is substantial. Among the affected population in any disaster, children are identified as the most vulnerable group along with women, aged and disabled people. An estimated 77 million children under 15, on average, had their lives severely disrupted by a natural disaster or an armed conflict, each year, between 1991 and 2000 (Plan UK, 2003). Children are most affected since they loose the familiar environment, loss of parents, witness death of their loved ones, fear of reoccurrence of the disaster event. The impact of disaster on children of different age group is multiple times greater than that of the adults. This leads to various psychological problems in children (Dave et al., 2003). Disaster preparedness, through care givers, is one among the ways to reduce the distress of individuals followed by any disaster because it reduces the vulnerability factor that minimizes the impact of any disaster on the individual. A disaster preparedness program with special reference to psychosocial aspects was developed and implemented among the school children through teachers in Kanniyakumari District, Tamil Nadu, India, one of the severely affected areas in Tsunami. The current attempt was to standardize a disaster preparedness module focusing on preparing children to deal with their psychosocial issues before and after disaster in an effective manner. The outcome of disaster preparedness input through teachers and its reach out to the students was determined through an experimental research. The results reveal that the teachers and students from the experimental group gained significantly more knowledge on psychosocial disaster preparedness after implementation of the program in comparison to control group where the program was not implemented. The implications of the study points out the need to integrate psychosocial component of disaster preparedness in to the broader Community Based Disaster Preparedness (CBDP) programs.

HOSPITALITAS KRISTEN DALAM MENGHADAPI PANDEMI COVID-19 DI INDONESIA

2021 ◽  
Author(s):  
Dewi Yermawati Enjhela
Keyword(s):  
Qualitative Approach ◽  
Descriptive Research ◽  
Corona Virus ◽  
Huge Impact ◽  
The Government ◽  
Negative Impacts ◽  
The Impact ◽  
The City ◽  
Christian Hospitality ◽  
Research Type

AbstractIndonesia is one of the countries that has also been affected by the corona virus or covid-19 which originated from China, to be precise in the city of Wuhan. In early 2020 the corona virus or covid-19 began to enter the country of Indonesia. The corona virus has had a huge impact on the lives of Indonesian people, both positive and negative impacts. Communities affected by covid-19 are increasing day after day, but now to be precise in 2021 the increase in covid-19 infections is not as fast as 2020. And the impact is slowly being controlled by both the government and most Indonesians. The Indonesian people are now able to adjust to life in the midst of this Covid-19 pandemic, even the hospitality that faded at the beginning of Covid-19 entering Indonesia is now starting to slowly be shown by the Indonesian people. This paper aims to provide information about Covid-19 in Indonesia and the Christian hospitality that should be practiced by the Indonesian people, especially believers or Christians. This research uses a qualitative approach with theological research type and social descriptive research

Socio-Economic Factors influencing Entrepreneurship Development: An Empirical study across the Small & Medium Enterprises of Chennai, State of Tamil Nadu, India

2015 ◽  
Vol 2 (3) ◽  
pp. 89-94 ◽  
Author(s):  
Firdouse Rahman Khan
Keyword(s):  
Tamil Nadu ◽  
Family Type ◽  
Economic Factors ◽  
Entrepreneurial Behavior ◽  
Entrepreneurship Development ◽  
Factors Influencing ◽  
The Government ◽  
Medium Enterprises ◽  
The Impact ◽  
Socio Economic Factors

Entrepreneurship Development makes a powerful impact on the economic development of the country. The success of the entrepreneur depends on the environmental factors such as social, economic, legal, political and technological factors which influence their activities thus leading to successful entrepreneurship. The socio-economic factors are the major key factors influencing the entrepreneurial behavior and operation of the business and thus the need for the study and the due influence. This paper analyzes the impact of socio-economic factors in relevance to entrepreneurship development of Small and Medium Enterprises (SMEs) across Chennai, Tamil Nadu State, India.This paper attempts to explain the infrastructure that has to be developed in order to cultivate the quality of leadership among potential enterprising young men. Attempts are being made to inculcate the spirit of entrepreneurship. Our empirical results reveal that most of the selected entrepreneurs of SMEs perceive the relevance of these factors to the highest degree. They are tempted to enter the entrepreneurship sector because of the perceived opportunities available to make an appreciable profit.The study also reveals that the factors which are not considered to be of high importance in the bygone days, such as Education, Religion, Previous Experience, Family Type and Legal Status have a significant influence on the entrepreneurial behavior and the operational performance of the selected SMEs’ business, in the recent period. Thus, there exists a necessity for the Government and the related sponsoring institutions to look into these factors and encourage the young entrepreneurs who in turn will render their full support towards national economy.

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