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Towards Empowering Rural Women through Micro-Finance Assisted Income Generating Activities: The Case of Wesasa Microfinance Institution, Dandi District, Ethiopia 通过小额信贷协助的创收活动增强农村妇女权能:以埃塞俄比亚丹迪区Wesasa小额信贷机构为例
Pub Date : 2016-04-25 DOI: 10.11634/216796061706772
Tesfaye, Gemechu Shale Edosa, Ogato, G. S. Ogato
Despite the involvement of various micro-finance institutions towards empowering women through micro-finance assisted income generating activities in Ethiopia, the status of majority of the rural women is still not pleasing in Ethiopia. This study assessed constraints of rural women in having access to loan service from micro-finance institutions and loan repayment process by taking Wesasa Micro-finance institution in Dendi District, Ethiopia as a case study. The study employed a mixed research design by integrating quantitative and qualitative methods of data collection and analysis. The results of the analysis indicate that participation of rural women in micro-finance assisted income generating activities contributes for economical, psychological, social, political, legal, and technological empowerment of rural women in the study area. However, constraints of rural women in accessing loan and loan repayment process should be properly addressed by stakeholders to improve the contribution of micro-finance institutions for achieving sustainable development goals related to rural women in the study area, Ethiopia, and developing countries. In conclusion, facilitating enough amount of loan for the borrowers with affordable interest rate and long time loan repayment period is of paramount importance as rural investments require time to generate income or profit.
尽管在埃塞俄比亚,各种小额供资机构通过小额供资协助的创收活动来赋予妇女权力,但埃塞俄比亚大多数农村妇女的地位仍然不令人满意。本研究以埃塞俄比亚Dendi区的Wesasa小额信贷机构为例,评估了农村妇女在获得小额信贷机构贷款服务和贷款偿还过程中的制约因素。本研究采用数据收集与分析的定量与定性相结合的混合研究设计。分析结果表明,农村妇女参与小额信贷援助的创收活动有助于在研究地区赋予农村妇女经济、心理、社会、政治、法律和技术权力。然而,利益相关者应适当解决农村妇女在获得贷款和偿还贷款过程中的限制,以提高小额信贷机构在实现研究地区、埃塞俄比亚和发展中国家与农村妇女有关的可持续发展目标方面的贡献。总之,为借款人提供足够的贷款,并提供可承受的利率和较长的贷款还款期是至关重要的,因为农村投资需要时间来产生收入或利润。
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引用次数: 4
Managerial management control : Strategic tool for the maintenance of the performance of the teams 管理控制:维持团队绩效的战略工具
Pub Date : 2016-02-21 DOI: 10.11634/216796061706762
Soumaya Dlimi, Fatima Zahra Alami
To reconcile the interest of the individual, the society and all the actors, in a world under high competitiveness, complex and inter-connected, the concept of management control emerges. The management control has for mission the active contribution to the global piloting of the organization, in a prospect of improvement of the performance. Indeed, it is about a facilitator of the generalized decision-making. So, the objective is to discover how the management controller plays an important role in the effective modeling of the management of the economic information, and can even dare to hold the title of member of the strategy and the follow-up of his efficiency. The ground of study is The Moroccan SME- Small and medium sized enterprise (we visit 260 Moroccans companies). The The adopted epistemological posture is the positivism posture, in the frame work of an hypothetical-deductive approach,( theoretical and empirical study). In this article, we shall try to raise some reports on the current state in the Moroccan context. We shall wonder about the capacity of the management controller to play an important role and to represent a real lever allowing the company to aspire to its sustainability. Finally, we shall suggest some avenues for reflection to reorientate our reflection towards the role of the management controller in the preservation of the performance of the teams.
在一个高度竞争、复杂和相互联系的世界中,为了协调个人、社会和所有行动者的利益,管理控制的概念应运而生。管理控制的使命是为组织的全球试点做出积极贡献,以期改善绩效。事实上,它是关于广义决策的促进者。因此,本文的目的是发现管理控制人员如何在经济信息管理的有效建模中发挥重要作用,甚至敢于担当战略成员的角色,并对其效率进行跟踪。学习的主题是摩洛哥中小企业(The Moroccan SME- Small and medium - sized enterprise)(我们访问了260家摩洛哥公司)。所采用的认识论姿态是在假设-演绎方法框架下的实证主义姿态(理论和实证研究)。在这篇文章中,我们将尝试提出一些关于摩洛哥现状的报道。我们想知道管理控制人发挥重要作用的能力,并代表一个真正的杠杆,使公司渴望其可持续性。最后,我们将提出一些反思的途径,以重新定位我们对管理控制人员在保持团队绩效方面的作用的反思。
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引用次数: 0
Influence of Microfinance Bank Products Accessibility on Small Scale Enterprises Performance 小额信贷银行产品可及性对小企业绩效的影响
Pub Date : 2016-02-15 DOI: 10.11634/216796061706771
T. A. Odetayo, A. Onaolapo
This study examined the influence of   the Microfinance bank products accessibility on Small scale enterprises (SSEs) in Osun State, Nigeria.  Descriptive survey research design was adopted for this study. The population for the study comprised all microfinance banks and small scale enterprises in Osun State. Thirty (30) MFBs were purposively sampled and For Hundred and Fifty (450) SSEs were randomly sampled. Two sets of questionnaires designed to collect data were tested for reliability using Cronbach’s alpha: QMFB (r = 0.89) and QSSEs(r = 0.70). Data were analysed using tables, frequencies as well as simple percentages while multiple regressions were used to test hypotheses one and two at 0.05 level of significance.   Degree of accessibility to MFB products was measured using savings account (92%), current account (54.2%) and business loan (52.3%). A regression analysis designed to examine the influence of MFB products accessibility on SSEs’ performance revealed that MFB products accessibility perception jointly predicted changes in SSEs total capital given F(8,318) = 17.936;  number of employees F(8,318)  = 4.136;  sales F (8,318) =15.316;  and profit F(8,318) = 15,699;  all values being significant at 0.05 level. In conclusion, activities of MFBs impacted on the SSEs in the study area given the predicted values of financial product accessibility on sales and profit but with a limited effect on total capital and number of employees engaged.
本研究考察了小额信贷银行产品可及性对尼日利亚奥松州小型企业的影响。本研究采用描述性调查研究设计。这项研究的人口包括奥松州所有小额供资银行和小型企业。有目的抽样30个mfb,随机抽样150个sse。采用Cronbach 's alpha对两组问卷进行信度检验:QMFB (r = 0.89)和qsse (r = 0.70)。使用表格、频率和简单百分比对数据进行分析,同时使用多元回归在0.05显著性水平上检验假设一和假设二。通过储蓄账户(92%)、经常账户(54.2%)和商业贷款(52.3%)来衡量MFB产品的可及性程度。回归分析结果表明,在F(8,318) = 17.936的条件下,MFB产品可达性感知共同预测了中小企业总资本的变化;员工人数F(8,318) = 4.136;sales F (8,318) =15.316;利润F(8,318) = 15,699;所有值在0.05水平上均显著。综上所述,考虑到金融产品可及性对销售和利润的预测值,中小企业的活动对研究区域的中小企业有影响,但对总资本和员工参与人数的影响有限。
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引用次数: 1
Factors Inhibiting Farmers’ Willingness to Participate in Agricultural Research 抑制农民参与农业科研意愿的因素
Pub Date : 2016-02-14 DOI: 10.11634/216796061706739
D. Bayissa
Development determinations that use the top-bottom strategy with little input and engagement of farmers have been known as an unsustainable and weak pathway to farmers development and empowerment. Agriculture is the spine of Ethiopian economy. It contributes significantly to the overall economy in the development process. However, different evidences indicate that yields of crops under farmers’ condition are far lower than the yield obtained under research plots. Lack of active participation of farmers in agricultural research has been one of the major reasons for the low yield and productivity in Ethiopian agriculture. Therefore, this study examines critical factors that inhibit farmers’ willingness to participate in agricultural research in the country. A total sample size of 39 respondents comprising 16 farmers, 14 researchers and 9 development agents were interviewed purposively based on snowball sampling technique. Qualitative research design was used in this research. Data were collected using in-depth interviews, focus group discussions and observations and analysed descriptively. The empirical results reveal that the willingness of farmers in agricultural research is affected by a number of factors. These willingness hindering factors include research types, plans, and objectives; perception of farmers for research and researchers; improper prioritization of farmers problems; problems of selecting potential areas of research; lack of good experiences in the past; absence of proper technology demonstration to farmers during the research process; poor documentation of research process; and weak integration of indigenous and scientific knowledge.
采用自上而下的战略,很少有农民的投入和参与的发展决定被认为是一种不可持续的、薄弱的农民发展和赋权途径。农业是埃塞俄比亚经济的支柱。它在发展过程中对整体经济作出了重大贡献。然而,不同的证据表明,在农民条件下的作物产量远远低于研究地块的产量。农民缺乏对农业研究的积极参与是埃塞俄比亚农业产量和生产力低下的主要原因之一。因此,本研究考察了抑制我国农民参与农业研究意愿的关键因素。采用滚雪球抽样法,有目的地访问了39名调查对象,包括16名农民、14名研究人员和9名发展代理人。本研究采用质性研究设计。通过深度访谈、焦点小组讨论和观察收集数据,并进行描述性分析。实证结果表明,农民的农业科研意愿受到多种因素的影响。这些意愿阻碍因素包括研究类型、计划和目标;农民对研究和研究人员的看法;农民问题排序不当;选择潜在研究领域的问题过去缺乏好的经验;研究过程中缺乏对农民的适当技术示范;研究过程文件记录不完整;本土知识和科学知识的整合也很弱。
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引用次数: 1
Chaos theory in Strategy Research 战略研究中的混沌理论
Pub Date : 2016-01-08 DOI: 10.11634/216796061706728
Marwan A. Al-Shammari, M. Pavlović, Bader Ayed Al Qaied
Scholars in several fields contended that instability, dynamicity, evolution, and change have become in the very nature of organizations. This proposal argues that such traits are indeed, embedded in the organizational characteristics whether they are an outcome or input. Organizations are always subject to constraints, threats, imposed changes, voluntary changes. I argue that organizations exist in a chaotic domain, their realization is largely affected and influenced by many factors, and therefore their courses of actions are strategically subject to change and adjustments to the extent of their comprehension. The realization depends largely on the ability to trace initial conditions, required configurations after strategic actions, and the attractiveness of the stranger attractors exist along the way of their path in the chaotic domain. I apply these concepts of chaos theory in the strategic alliance context. I argue that firms may ignore very small changes that may cause a misunderstanding and incomplete realization of the necessary course of actions. Furthermore, firms should not expect similar results of their prior strategic actions, unless they are able to control many variables which seems to be difficult. Firms will be prone to shocks, ups and downs with respect to their performance, depending on their ability to control the path and undergo the required course in response to uncontrollable forces in their surroundings.
一些领域的学者认为,不稳定性、动态性、进化和变化已经成为组织的本质。这一建议认为,这些特征确实是嵌入在组织特征中,无论它们是结果还是输入。组织总是受制于约束、威胁、强加的变化、自愿的变化。我认为组织存在于一个混乱的领域,他们的实现在很大程度上受到许多因素的影响和影响,因此他们的行动过程在战略上受制于他们理解程度的变化和调整。实现很大程度上取决于跟踪初始条件的能力,战略行动后所需的配置,以及陌生吸引子在混沌域中沿其路径存在的吸引力。我将混沌理论的这些概念应用于战略联盟的背景下。我认为,企业可能会忽略非常小的变化,这些变化可能会导致误解和对必要的行动过程的不完全认识。此外,企业不应期望其先前的战略行动产生类似的结果,除非它们能够控制许多似乎很困难的变量。企业的业绩容易受到冲击和起伏,这取决于它们控制路径的能力,以及它们在应对周围不可控力量时所经历的必修课程的能力。
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引用次数: 6
Emerging Trends of Professional Accountancy 专业会计的新趋势
Pub Date : 2016-01-03 DOI: 10.2139/SSRN.2711402
M. Hina
This research attempts to expand the literature on emerging trends of accounting in Pakistan. As there researches available are not enough in Pakistani context. But much work has been done internationally. Data has been collected from Pakistani accountants and some others who are somehow connected with accounting profession. The questionnaire used for this purpose was structured based on established scale. To analyze the results SPSS software was used as this was the quantitative research - And hypothesis was tested through it. This research may be of particular interest to accounting researchers, practitioners and auditors since professional accountancy has become central to business matters. This study on professional accounting may prepare people for a career in senior level business management. It may enable people to expand accounting applications to a wide variety of business and financial settings and prepare for public and private accounting positions.
本研究试图扩大在巴基斯坦会计新兴趋势的文献。因为现有的研究在巴基斯坦的背景下是不够的。但是国际上已经做了很多工作。数据是从巴基斯坦的会计师和其他一些与会计专业有关的人那里收集的。用于此目的的问卷是根据既定的量表构建的。为了分析结果,使用SPSS软件,因为这是定量研究,并通过它来检验假设。这项研究可能是特别感兴趣的会计研究人员,从业者和审计师,因为专业会计已成为核心业务事项。这项专业会计的研究可以为人们从事高级商业管理工作做准备。它可以使人们将会计应用扩展到各种各样的商业和金融环境,并为公共和私人会计职位做好准备。
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引用次数: 0
Mother-Daughter Intergenerational Influence on Clothing Products: Cultural Perspectives 母女对服装产品的代际影响:文化视角
Pub Date : 2015-12-23 DOI: 10.11634/216796061504756
A. Al-Zu'bi
Research in consumer socialization behavior has overlooked mother-daughter intergenerational influence within the context of Arab culture. Based on 57 mothers/daughters dyads responses, this study aims to identify the similarity/dissimilarity attitudes between Jordanian mothers and their young daughters (age: 18-24) towards marketplace activities and marketing practices concerning clothing product. It also tends to measure the relative influences of mothers’ beliefs in marketplace activities and marketing practices on their daughters. The principal component factor analysis and confirmatory factor analysis were used to validate the research model. Paired sample t-test and multiple regression analysis using Structural Equation Modeling were employed to examine the research hypotheses. Results revealed that the best predictors of the general attitudes of daughters towards marketplace activities and marketing practices were respectively accounted for mothers’ attitude towards purchasing clothing items on sale, clothing stores preferences, and TV advertising values. Some of the managerial implications, limitations, and suggestions for future research were also discussed.
消费者社会化行为的研究忽略了阿拉伯文化背景下母女代际影响。基于57对母亲/女儿的回答,本研究旨在确定约旦母亲和她们的小女儿(18-24岁)对服装产品的市场活动和营销实践的相似/不同态度。它还倾向于衡量母亲对市场活动和营销实践的信念对女儿的相对影响。采用主成分因子分析和验证性因子分析对研究模型进行验证。采用配对样本t检验和结构方程模型多元回归分析对研究假设进行检验。结果显示,最能预测女儿对市场活动和营销实践的总体态度的因素分别是母亲对购买打折服装的态度、服装商店偏好和电视广告价值。本文还讨论了一些管理意义、局限性和对未来研究的建议。
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引用次数: 0
Scrutinizing Factors Impeding Research-Farmer Relationship in the Context of the Agriculture Innovation System 农业创新体系背景下研究农户关系的阻碍因素分析
Pub Date : 2015-12-21 DOI: 10.11634/216796061706740
D. Bayissa
The objective of this research was to scrutinize factors that impeded research-farmer relationship in the context of agricultural innovation system from researchers’ perspective in Ethiopia. The research design used for this study was qualitative research approach. Respondents were interviewed using a snowball sampling technique. Data were collected primarily using in-depth interview, documents and analysed descriptively using the principle of grounded theory. The study  revealed that research-farmer relationship was affected by resource scarcity  and inefficient use; feebleness of the extension system; narrow vision among researchers and farmers; inadequate preparedness to share knowledge; weak coordination among the various actors; poor attention for research; inefficient use of research results; lack of attractive rewarding system and farmers’ attitude for research and researchers. The conclusion is that the number of researchers to conduct demand-driven research was insufficient. Moreover, the scarce resources were inefficiently used by the various stakeholders conducting research that is less relevant to farmers need. The extension system of the country did not encourage researchers to work with farmers. The recommendations from the research is that the government of the country can take actions that can improve the relationship of researchers with farmers by employing knowledgeable,  skilful, dedicated, concerned and committed people in knowledge institutes; allocating sufficient budget for research and changing the linear extension system to agricultural innovation system.
本研究的目的是从研究人员的角度审视埃塞俄比亚农业创新体系背景下阻碍科研人员与农民关系的因素。本研究采用定性研究方法。受访者采用滚雪球抽样技术进行访谈。数据收集主要采用深度访谈,文件和描述性分析使用扎根理论的原则。研究发现,科研人员与农民的关系受到资源稀缺和低效利用的影响;延伸系统薄弱;研究人员和农民视野狭窄;分享知识的准备不足;各行动者之间协调不力;缺乏对研究的关注;研究成果利用效率低下;缺乏有吸引力的奖励制度和农民对研究和研究人员的态度。结论是,进行需求驱动型研究的研究人员数量不足。此外,进行与农民需求不太相关的研究的各种利益相关者没有有效地利用稀缺资源。该国的推广系统不鼓励研究人员与农民合作。这项研究的建议是,该国政府可以采取行动,通过在知识机构中雇用知识渊博、技术娴熟、敬业、关心和忠诚的人员来改善科学家与农民的关系;分配充足的研究预算,改变农业创新体系的线性推广制度。
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引用次数: 7
Impact of Foreign Direct Investment on Economic Growth of Pakistan 外商直接投资对巴基斯坦经济增长的影响
Pub Date : 2015-12-20 DOI: 10.11634/216796061504624
Khola Malik
The main purpose of this paper is to find and analyze the impact of FDI and trade openness on economic growth of Pakistan. For this study we used time series data from 2008-2013. Methods that are used for this purpose are co-integration analysis, regression analysis, correlation and Durbin Watson test which check the long run relation and association among variables. By using these test we examined that FDI, trade openness and domestic capital are positively effecting the economic growth as compared to other variable which is showing negative trend. Important essence of this paper is the requirement of policy reformulation and implication by the government of Pakistan that can be drawn from this paper finding. Government should take solid steps in order to increase FDI, exports and domestic investment and protect industries that would benefit the country’s economic condition. Government should take measures in order to stabilize the exchange rate that may attract more investors for sake of higher profits. Higher FDI inflows in turns fetch more educated labour and replace the obsolete technology.
本文的主要目的是发现和分析FDI和贸易开放对巴基斯坦经济增长的影响。在这项研究中,我们使用了2008-2013年的时间序列数据。用于此目的的方法是协整分析,回归分析,相关和Durbin Watson检验,检验变量之间的长期关系和关联。通过这些检验,我们检验了FDI、贸易开放和国内资本对经济增长的影响是正向的,而其他变量则呈现负向的趋势。本文的重要实质是可以从本文的发现中得出巴基斯坦政府对政策重新制定的要求和暗示。政府应采取切实措施,增加外国直接投资、出口和国内投资,保护有利于国家经济状况的产业。政府应该采取措施稳定汇率,这样才能吸引更多的投资者来获得更高的利润。更高的外国直接投资流入反过来带来了更多受过教育的劳动力,并取代了过时的技术。
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引用次数: 7
The Importance of the Strategy Governance for the Preservation of the Performance of the Teams 策略治理对于保持团队绩效的重要性
Pub Date : 2015-12-17 DOI: 10.11634/216796061706736
Soumaya Dlimi
The performance of the teams stays one of the priorities of every organization. In an environment « disrupted »(perturbed » under pressure, and hypercompetitiveness , the Moroccan companies at present , are subjected (submitted ) to several competitive pressures which require (demand) from them more flexibility, reactivity and adaptability. In this sens , if the Moroccan SME(Small and Medium-sized enterprise) has for objective the adaptation for a preserva t ion of their stability and an effective presence in the Moroccan economy, it resorts only the implementation of a good governance able to leadind their team toward the durability in the action. Know the stakeholders, interest them in partnership, draw alliances on the basis of principles promising an effective collaboration, without  omitting the implementation of the mechanisms which  are going to converge without a sadow of doubt actions inspired by divergent objectives, and certainly, to assure the minimum of membership in the standards, so that every partner is carried to honor his commitments. Then, we shall try in this article to discover, which governance for a better performance of the team?
团队的绩效仍然是每个组织的优先事项之一。在压力和高度竞争下的“混乱”环境中,摩洛哥公司目前受到几种竞争压力的影响,这些压力要求它们具有更大的灵活性、反应性和适应性。从这个意义上说,如果摩洛哥中小企业的目标是为了保持其在摩洛哥经济中的稳定和有效存在而进行调整,那么它只能采用能够领导其团队在行动中持久的良好治理。了解利益相关者,使他们对伙伴关系感兴趣,在保证有效合作的原则基础上建立联盟,不遗漏执行机制,这些机制将毫无疑问地汇聚在一起,行动受到不同目标的启发,当然,确保最低限度的成员资格,以便每个伙伴都履行其承诺。然后,我们将在本文中尝试发现,哪种治理可以使团队表现更好?
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引用次数: 0
期刊
American Journal of Business and Management
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