Distribution Patterns Of Educational Assistance (Scholarships) In Improving Student Academic Achievement (Case Study Of The Dharmasraya National Amil Zakat Agency)

The distribution of zakat can be carried out in various patterns, depending on the managerial policy of the agency or zakat institution concerned. Sometimes it is channeled directly to mustahiik with a consumptive pattern and sometimes it is realized in a productive form or by providing capital or zakat can be developed with an investment pattern. The purpose of this study is to find out and explain how the pattern of determining recipients and determining the amount of educational assistance (scholarships) for students at BAZNAS, Dharmasraya Regency. The type of research that the author does is field research (field research). The method used is descriptive qualitative. The pattern of determining recipients and the pattern of determining the amount of educational assistance (scholarships) for students at BAZNAS, Dharmasraya Regency, namely: that the determination of recipients must meet general and special requirements, after completing the file, BAZNAS will make a selection which is done by: administration, written test , interviews and surveys to the field after being eligible to be determined as recipients of scholarship assistance, it is necessary to determine the decision of the leadership of BAZNAS Dharmasraya Regency regarding the determination of the names of the scholarship recipients. And in determining the amount of assistance, it has been regulated in the Work Plan and Budget (RKAT) of BAZNAS Dharmasraya Regency.

Investment Pattern, Preferences and Financial Mangement Practices of Wesleyan University-Philippines Employees

This study determined the investment pattern, preferences, and practices of Wesleyan University-Philippines employees with the used of descriptive correlational methods of research, and the data were collected using a researcher-made survey questionnaire. Respondents of the study were the 305 employees chosen purposively. The result shows that most of the respondents belonged within the age range of 19 – 28 years old, married, a college graduate with 1 – 6 years in service, permanent, had a monthly income of 10000-21000 and had other sources of income from their husband/wife income. Likewise, most of the respondents had a saving for an emergency and unforeseen circumstances, had an investment and invested 1 – 5 percent of their income. Most of them had a saving account, intended to invest the money to more than five years in which the principal amount is secured, invested in the private sector, and expected to grow steadily. Similarly, this study found out that the respondents sometimes practice the five indicators of financial management practices used in the study. Moreover, profile variables were significantly correlated with financial management practices. Age, number of years in service, employment status, monthly income, and other sources of income were significantly associated with money management practices. Similarly, a number of years in service were correlated considerably with savings management practices. Finally, age, employment status, and other sources of income were significantly associated with investment management practices. Further, there is a significant difference in the respondents' assessment in all indicator of financial management practices.

Study of saving and investment pattern on sample farms households

The saving and investment pattern of different forms sample group was studied during 2014-16 and it was observed that large farm holders were able to save higher income than small farmers while lowest income group had negative savings. In respect of investment on different fixed assets, irrigation was on first priority, followed by purchase of milch animals, farms buildings and investment in land and its improvement. Investment on working capital amongst different cash inputs, hired human labourer accounted highest share (29.44 per cent), followed by manure & fertilizers (22.33 per cent), hired power tractor (16.96 per cent), irrigation (13.61 per cent) and seeds (13.50 per cent) to total cash inputs. Marginal farmers could not invest for nonfarm physical capital because of no savings with them. Small and large farmers groups invested in all the items in which it was highest in working capital (61.28 to 61.84 per cent), followed by investment in fixed capital (14.41 to 16.84 per cent), financial capital (12-14 per cent) and non-farm capital (7-12 per cent). The highest investment was made on working capital (69.02 per cent) by sample farmers. Current income was found to be the main source of finance in all income groups which accounted for 49.70 to 94.79 per cent share of the total investment followed by savings which shared for 40.10 to 49.12 per cent in total investment.

A Study on the Behaviour of Investors and their Risk-Return Perception with Special Reference to Salem City

This project coins about The Indian investment market. Investment is actually an asset that's created to permit money to grow. The wealth created can be used for a variety of objectives such as situations. Investing would be different things to different people. While investing for a few people mean fixing money to realize a profit, for a few others it also can mean investing time or effort for a few future benefits like investing in one self’s skills or health. Investment helps to channel household savings to the corporate sector, which is utilized to develop the industrial and service sectors and their own use. Today, investors have several options of investment with different peculiarities matching their needs. The funds allocated by the investors to various investment avenues depend largely on the investment objectives perceived by them. Investment examination has become essential for any retail investor. The success of investments is totally dependent on the satisfaction of the investors during the post-investment period and investors’ confidence. The uncertainty of expected return may be a vital part of the investment option. The variations in returns from the expectations of the investors cause risk and therefore the subjective analysis of varied attributes helps for the avoidance of the danger. Theoretically, risk and return go hand in hand, i.e., the upper the danger, the more the return. However, the risk- return knowledge of the investors on different investments might be differing from each other. In this paper, an attempt is made to study the investors’ perception of risk-return of investment and to find the investor's investment pattern.

Financial Literacy as a Tool for Stimulating the Investment Behaviour of Rural Women: An Empirical Assessment

Clapping with two hands create the sounds. Similarly, investment and saving behaviour are considered as the most vital elements for economic growth of an individual. This paper is to evaluate the influence of financial awareness on saving and investment behaviour of rural females in India. Investment pattern serves as a link between savings and wants of the common people. Economic growth of any nation can be critically measured through capital accumulation and investment trends in financial markets. In the present study, the investment behaviour on effect of financial awareness of 335 rural women in Jalandhar district has been evaluated. The relationship of financial literacy and saving & investment behaviour is also evaluated in the context of five basic domains of financial behaviour, such as demographic variables, financial control, financial planning, financial product selection and financial literacy. Results of the study revealed that rural women are conscious about the availability of various investment avenues in the market, but their investment pattern is still followed by some factors like familiarity, safety and assured returns, etc. This study suggests policymakers to focus on financial awareness rather to focus only on financial literacy.

A COMPARATIVE STUDY ON INVESTMENT PATTERN OF SELF-EMPLOYED & START-UP ENTREPRENEURS WITH SPECIAL REFERENCE TO PAN INDIA

This study connotes the influence of demographical factors on the behavior of two categories of investors especially when they are pre-occupied with commitments and constraints. It also includes the subsequent effects on their risk appetite. It focuses on the fact that investors are not always rational in nature, have limits to their self-control and are influenced by their own limitations and bounded knowledge. This study is a comparative study between the Investment pattern of Self-Employed and Entrepreneurs. For the purpose of Study, we have taken 100 samples from Start-up entrepreneurs and Self-Employed. The Data used in the study are both primary and secondary. Using random Sampling technique, the responses were collected and analyzed using graphs and tables. Many developments were seen during the analysis. The analysis was carried by connecting the factors which are influential on one another and Chi-Square Test tools were utilized. Overall, the study has given new perspectives of the Financial Behavior of both Self-Employed and Entrepreneur which can further be analyzed by expanding the scope of the study and samples collected. There is still lot of scope to study and research in the area for contributing to the field of Behavioral Finance with various biases influencing the investing behavior. JEL Classification Codes: G40, G41.

Analysis of Savings and Investment Patterns Among Rural Farming Households in Yewa Division, Ogun State, Nigeria

This study examined the analysis of savings and investment patterns among rural farming households in Yewa Division of Ogun State, Nigeria. The study was based on primary data obtained in a cross-section of 120 farming households drawn by multi- stage random sampling.Results showed that 44.2% were males with age bracket 31 – 40 years. The famers were mostly married 90.8% and 52.5% practice Islamic religion. The percentage of those that were educated was 64.2% and majority of these farmers (37.5%) had a farming experience of about 6-10years. The income level earned by these farmers was majorly between N20,000.00–N40,000.00 which is approximately (50%) of the entire sampled households.The Regression 2 Analysis of the determinants of savings among the respondents revealed an Adjusted R value of 0.579 which implies that 57.9% of the variation in dependent variable (Y) which is farm output is accounted for by the selection of socio-economic variables (X -X ) included in the model.Evidence from the study shows that 1 8 age, marital status and return on investment are statically significant in determining the investment pattern of the farmers in the survey area. It is therefore recommended that support should be given for the establishment of farm service centres reasonably close to the farmers, through which they may be able to gain access to modern inputs

SAVING PATTERN OF SMALL-SCALE WOMEN RICE FARMERS IN SAN JOSE, OCCIDENTAL MINDORO

The study aims to assess the saving and investment pattern of women rice farmers in San Jose, Occidental Mindoro. The study was conducted in the rice-producing barangays of San Jose, Occidental Mindoro, namely: Mabini, Mapaya, and Mangarin from February to July 2017. The study population included all women farmers who were involved in different rice farming activities from production to marketing. The 48 respondents were randomly selected. Informed consent was sought before the conduct of the study. Descriptive statistics like mean, percentages, and frequency distribution were used to assess the women farmers' profile. While Pearson Moment Correlation was used to test the relationship between the variables. The result shows that the small-scale women farmers have a small household size and small farm sizes with an income above the poverty threshold. They "sometimes" save through cash and "frequently" save through non-cash. They "frequently" encountered problems in saving capacity. Further, farm size is significantly related to the savings pattern of women rice farmers. Socio-economic characteristics have no relationship with constraints to saving capacity. The study suggests using other variables to further determine the saving pattern and saving capacity of the women rice farmers.