Savings Level Determinants and Sustainability of Commercial Banks in Rwanda: A Case of I&M Bank Rwanda

The purpose of this study was to investigate the effect of savings level determinant on sustainability in I&M Rwanda. The specific objectives were to establish the effect of interest rate, income level and access to credit on the sustainability of I&M Bank. This study implemented a descriptive research design and utilized coefficient of correlation to assess the effect of each specific objective on the sustainability of the Bank. The population comprised of 12,057 including 12,050 customers and 7 staff of finance department of I&M Bank Rwanda. A sample size of 99 was calculated using Yamane (1967) simplified formula. To accomplish this aim, both primary and secondary data are used. The researcher used simple random and purposive sampling techniques. A questionnaire and interview have used to collect data. Quantitative data was obtained using questionnaire while a financial statement of I&M Bank covering 2016-2020 was used as secondary data. Descriptive and inferential statistical analysis showing mean, standard deviation, correlation and regression was used statistical Package for Social Sciences (SPSS) version 26.0 to analyze statistical information while content analysis used to analyze qualitative information. The findings and recommendations for this study addressed to the I & M Bank Rwanda, for decision-making and policies. The study found that interest rates, income level and access to credit have significant positive effect on sustainability of commercial banks in Rwanda at 78%, 90.5% and 92.9% respectively. The relationship among saving level determinants and sustainability of business bank was also determined to be linear with increase in get admission to credit score by means of clients. The researcher concluded that saving degree and get admission to credit volatility had more effect on sustainability of banks. The study endorsed that guideline to be installed vicinity to boom financial institution lending and ensure monitoring the same. Keywords: Savings Level Determinant, Sustainability, Commercial Banks, I&M Bank, Rwanda

Beginning farmers' entry and exit: evidence from county level data

PurposeThis paper identifies factors that affect entry and exit of beginning, young and women farmers and ranchers.Design/methodology/approachThe empirical framework is fixed effects regression analysis that uses county level data to evaluate how barriers to entry, access to and use of credit, local economic environment, and climate affect entry and exit of Beginning Farmers and Ranchers (BFRs). The dataset is assembled from several sources matching the Census of Agriculture years for the period of 1997–2017.FindingsResults show that new farmers are more likely to enter in counties with more and smaller farms and with lower farm productivity, indicating that BFRs have the potential to improve the overall productivity in such counties if able to grow and succeed. The results also indicate that the high capital intensity nature of farming is an effective barrier to entry. BFRs are more likely to do better in counties where agriculture is more important to the economy and with more off-farm work opportunities. The net entry is positively associated with higher input/output price index and the use of insurance but is unaffected by government payments and farm and off-farm income. The authors observe substitutability between farming and alternative self-employment for more entrepreneurial young people. Net entry increases with availability of non-real-estate loans but decreases with real estate credit. Thus, for BFRs to acquire the assets needed to reach optimal scale, access to credit remains essential.Originality/valueThe authors are not aware of other work that estimates how barriers to entry and other economic factors including access to credit affect entry and exit of BFRs of various ages and young and women farmers using the Census of Agriculture data up to 2017.

Women’s Entrepreneurship and Government Policy: Facilitating Access to Credit through a National Program in Chile

In this paper, I evaluate the impact of a multidimensional national program implemented in Chile during the second term of President Bachelet to facilitate female entrepreneurs’ access to credit, reduce gender gaps in financial inclusion, and change patriarchal stereotypes. I construct a difference-in-difference estimate of the program. My findings indicate that the program has successfully met its principal aim: the loans granted to women have increased, reducing the gender gap in this dimension. In addition, evidence of heterogeneity by the economic sector has emerged. This evidence aligns with prior research that has emphasised that public policies should not be designed and implemented under the logic of "one type of program fits all". The program analysed in this study is an example of a national public policy that has improved female entrepreneurs’ access to funding, reduced gender gaps in a Latin American country, and potentially offered lessons to other Latin American and middle-income countries worldwide.

Financial inclusion and gender-induced poverty in Nigeria

The goal of this study was to see how financial inclusion affects gender-based poverty in Nigeria. Commercial bank branches, deposits, and borrowers were the proxy for financial inclusion. The poverty index was used to measure poverty reduction. The World Development Indicator (WDI) and the CBN Statistical Bulletin 2021 provided the data for this study. Finally, the study included the years 2002 to 2019. Financial inclusion reduces household poverty in Nigeria, according to the study, which used a VAR estimate. The coefficients of commercial bank branches and commercial bank deposits were (-0.004) and (-0.008), respectively, indicating that they had a negative influence on poverty reduction. Furthermore, the study discovered that having access to credit through a financial institution was crucial in lowering poverty in Nigeria over the study period. As a result, the report recommends that steps to promote the rule of law, particularly contract enforcement and financial regulatory inspection, be implemented, resulting in more financial inclusion and a reduction in poverty and income gaps, particularly between men and women. The benefits of financial inclusion must be made more widely known, particularly in rural regions, through promoting financial literacy among the poor through education, advertising, and traditional institutions.

Déterminants Socio-Économiques De L’adoption Des Technologies Agro Écologiques De Productions Agricoles Dans Le Département De Mayahi Au Niger

Cette étude conduite dans le département de Mayahi, au Niger oriental, a pour objectif, d’identifier les facteurs influençant l’adoption des pratiques culturales de production du mil et du niébé et aussi celle de l’utilisation du bloc multi-nutritionnel. Ainsi, cent-vingt (120) chefs d’exploitation choisis aléatoirement ont été enquêtés sur l’utilisation des technologies de production diffusées au cours des trois dernières années. La régression logistique a permis de déterminer les corrélations entre les contextes et l’adoption des technologies. Ainsi, l’implication des producteurs dans les démonstrations a influencé positivement sur l’adoption des techniques d’application du compost (P<0,001), l’utilisation des variétés améliorées de mil et de niébé (P<0,05), des extraits aqueux des graines de Neem (P<0,001) et de la technologie de stockage hermétique des récoltes (P<0,001). Cependant, la proximité des villages du marché hebdomadaire a eu une corrélation négative avec l’utilisation du compost (P<0,05) ; alors que la proximité du village aux zones urbaines a influencé positivement l’achat des blocs multi nutritionnels densifiés et la pratique du défrichement amélioré (P<0,001). Par ailleurs, l’accès au crédit a influencé positivement sur l’achat des blocs multi nutritionnels densifiés (P<0,05) ; le contact avec les services de vulgarisation agricole public a été corrélé par l’utilisation de la technologie de lutte contre la chenille mineuse de l’épi du mil (P<0,05). Ces résultats peuvent contribuer à orienter les acteurs de développement rural à mieux planifier les activités de diffusion et de promotion des nouvelles pratiques agronomiques. The objective of this study is to identify the determinants of production technology’s adoption of millet and cowpea as well as the densified multi-nutritional block in the department of Mayahi. One hundred and twenty (120) randomly selected farm managers were surveyed on the use of production technologies released over the past three years. Logistic regression was used to determine that were between contexts and technology adoption. Results showed that producers’ participation in the demonstration, the adoption of compost application techniques, the use of improved varieties of millet and cowpea, aqueous extracts and neem seeds, and hermetic crop storage technology positively influenced. Similarly, results reveal that the proximity of villages to the weekly market had a negative correlation with the use of compost and the location of the village next to urban areas positively influenced the purchase of densified multi-nutritional blocks. R ults also indicate that the practice of improved land clearing and access to credit positively influenced the purchase of densifieal blocks; while contact with public agricultural extension services was correlated with the use of millet ear leaf miner control technology. These findings could help to guide rural development agents to better plan activities for the dissemination and promotion of new agronomic practices

Analysis of Factors Influencing Credit Access of Vietnamese Informal Labors in the Time of COVID-19 Pandemic

Credit is considered as an essential tool to make informal labor’s income better. In order to improve quality of their life, the state should have some supports them in credit access. This study analyzes factors causing credit access of informal labors to be changed in the time of COVID-19 pandemic. Using survey data collected from 2020 VHSSL (2019–2020), this approach has two models including a binary logit model and a multinomial logit model (MLM). The results revealed that the positive factors including education, material, collateral, credit size, credit source, credit debt which are likely to affect to credit access, however age, family size, ethnicity, interest, paid money are negative. Besides, it also concludes that quality of life of informal labor is considerably influenced by credit access, collateral, credit source, credit debt from the observed samples. Additionally, this paper recommends some policies to enhance informal labor’s access to credit and their quality of life.

Determinants of Income Diversification Strategies among Agricultural Households in the Philippines using National Survey Data

Household income diversification is a critical pathway to improve the living standard of agricultural households. It is the process by which households actively seek to increase the number of income-generating activities. This study sought to describe the prevalence and patterns of income diversification among agricultural households and to identify the factors related to the degree of income diversification. The study applied a quantitative research design using a cross-sectional survey from the Philippine Statistics Authority. The fractional response regression model was used to determine the factors affecting income diversification. Results revealed that most of the household samples have two income sources. Most come from agricultural labor, crop farming, and gardening. Factors related to income diversification are sex, age, education, family size, being married, agricultural income, access to credit, cash support, access to electricity and water, access to information and communication, and vehicle ownership.

Analisa Strategi E-Marketing Dinas Koperasi UKM Kota Medan terhadap UKM Binaan di Tengah Pandemi Covid-19 Tahun 2020

The objectives of this study are to: 1) Analyze and explain the effectiveness of internet-based online marketing strategies for SME products, 2) Analyze and explain the implementation of internet-based online marketing strategies for SME products, 3) Analyze and describe the supporting factors for the success of internet-based online marketing strategies for SME products, and 4) Analyze and describe the factors inhibiting the success of the internet-based online marketing strategy for SME products. The results showed that the effectiveness of the internet-based online marketing strategy of the SME products assisted by the Medan City Cooperative Office was still not optimal. The causative factor for this is due to the limited promotional budget owned by the Medan City UKM Cooperative Office in 2020 as well as the refocusing policy. The implementation of an internet-based online marketing strategy for SME products guided by the Medan City UKM Cooperative Office in 2020 in the midst of the Covid-19 pandemic was implemented and complied with the principles of coordination, the idea of cooperation through BRI banks to open easy access to credit, cooperation with online businesses to build digital market place with Grabfood, providing a market place at Bukalapak. Barriers to training distance and high interest in participating in training were seen to be quite dominant.

The Defects of Nigeria’s Secured Transactions in Movable Assets Act 2017 and Their Potential Repercussions on Access to Credit: a Comparative Analysis and Lessons from the Anglo-American Law

It has been sufficiently established in law and finance literature that an effective legal framework that governs non-possessory security transactions is a key component in the realization of financial inclusion and affordable access to credit in market economies. Recently, the Nigerian lawmakers enacted the Secured Transactions in Movable Assets Act 2017 (STMA), which was modelled after the United States’ Article 9 of the Uniform Commercial Code (UCC Article 9) and its unitary-functional approach to security interests. Arguably, some of the STMA’s provisions are defective: they do not reflect the local conditions in Nigeria and are likely to frustrate its section 1 aim of broadening access to credit for individuals and small businesses. The STMA recognizes registration as the main method of perfection: yet there are multiple but unlinked movable collateral registries in Nigeria which ultimately constitute a breeding ground for secret liens. This article argues that the relegation of other perfection methods, such as ‘possession’ and ‘control’, will diminish the economic success of the reformed law. It calls for a reconsideration of the rules governing publicity and the perfection of security interests under the STMA with insights and lessons from the UCC Article 9 and its underlying case law.