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Does Economic Efficiency matters? Evidence from Microfinance Sector of Pakistan 经济效率重要吗?来自巴基斯坦小额信贷部门的证据
Pub Date : 2021-08-27 DOI: 10.47750/CIBG.2021.27.06.083
Maeenuddin ShaariAbd Hamid Annuar Md Nassir Ghayasuddin
According to the World Bank, the microfinance sector all over the globe, especially in developing countries has increased significantly and received tremendous attention for the last ten years.However, on the other hand, the amount of poor people is not decreasing. To understand this phenomenon, this study focuses to explore the economic efficiency of microfinance providers and to investigate the various factors or determinants that have an impact on the economic efficiency of microfinance providers. Economic efficiency gets its ground on the concept of the resources ’ scarcity. Economic efficiency means creating maximum outputs from minimum inputs and avoiding wasteon the resources. Data Envelopment Analysis (DEA) approach was used to calculate the economic efficiency level, with the inputs arethe staff size and the operational expenses. As for the outputs, they are the borrower numbers, gross loan portfolio, and operational self-sufficiency ratio. Regression analysis was used to examine the impacts of different factors on the microfinance providers ’ economic efficiency. The result shows that the factors which affect the economic efficiency of microfinance providers arethe empowerment, organizational structure, aggressive marketing programs, optimum balance of available financial resources, profit-oriented programs, growth outreach, commercialization, competition, cultural dimensions, Interest rates, growth addiction, stability or short term profitability focus, loan repayment focus, minimum follow-up programs, minimum awareness, loan misuse, fear of defaults, and lack of technical support.These factors have to be considered for future studies.
根据世界银行的数据,在过去十年中,全球,特别是发展中国家的小额信贷部门显著增加,并受到了极大的关注。然而,另一方面,贫困人口的数量并没有减少。为了理解这一现象,本研究的重点是探讨小额信贷提供者的经济效率,并调查影响小额信贷提供者经济效率的各种因素或决定因素。经济效率是建立在资源稀缺性概念的基础上的。经济效率意味着用最少的投入创造最大的产出,避免资源浪费。采用数据包络分析(DEA)方法,以员工规模和运营费用为输入,计算经济效率水平。至于产出,它们是借款人数量、贷款总额组合和业务自给率。采用回归分析的方法考察了不同因素对小额信贷提供者经济效率的影响。结果表明,影响小额信贷提供者经济效率的因素是授权、组织结构、激进的营销方案、可用金融资源的最优平衡、以利润为导向的方案、增长外延、商业化、竞争、文化维度、利率、增长成瘾、稳定性或短期盈利重点、贷款偿还重点、最小后续计划、最小意识、贷款滥用、对违约的恐惧、缺乏技术支持。这些因素必须在今后的研究中加以考虑。
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引用次数: 1
The Paradigm Shift for Educational Institutions in Times of COVID 19: An Assessment from Pakistan COVID - 19时期教育机构的范式转变:来自巴基斯坦的评估
Pub Date : 2021-08-26 DOI: 10.47750/CIBG.2021.27.06.078
M. Hassan
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引用次数: 0
A Review Assessment of Blended Teaching in Higher Education Restructuring Credits “covid-19” 高等教育“新冠肺炎”学分重组中混合式教学的回顾评估
Pub Date : 2021-08-26 DOI: 10.47750/CIBG.2021.27.06.077
Dr. Renu Mishra Dr. Smriti Ahuja
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引用次数: 0
Evolving Corporate Governance in Indian Healthcare: An Ethical Perspective 印度医疗保健领域不断发展的公司治理:伦理视角
Pub Date : 2021-08-26 DOI: 10.47750/CIBG.2021.27.06.076
Dr.R. Saravanan
The ongoing trends in the Indian healthcare sector point to the need to evolve a strategic plan with concern towards ‘ quality care ’ . This demands a massive governance agenda from a management perspective. The evolution of Corporate Hospitals, on a mammoth scale, across the country heralded a new era in the realm of ‘ diagnosis ’ and ‘ treatment ’ unfolding many technologies. The so-called boom in the service sector, found to be responsible for elevating the living standards of the middle class, needs to be channelised for a productive cause. The growing awareness of health disorders and treatment-seeking attitude among the cross section of people put enormous pressure on corporate hospitals to prescribe an action plan for meeting customer needs spread in different forms. The entry of foreign capital into the fold of healthcare services has also resulted in a competition between equal players as seen in the case of heart ailments. The individual-centric and group-centric management patterns found in the corporate hospitals require a healthy debate on the pros and cons of the phenomenon. The growing thrust towards ‘ quality management ’ also enables us to focus upon ‘ clinical governance ’ that finds special place in the so-called corporate governance framework. Apart from this, technological implications and the resulting cost escalation are identified as potential elements that need attention in the effective management of corporate hospitals. enhancing the ‘ brand image ’ of the hospitals. The focus on customer-related issues be it ‘ cost ’ or ‘ service ’ , at this crucial juncture would ensure a fair balance between business objectives and service delivery from a customer perspective. For driving corporate healthcare services towards ‘ zero tolerance ’ to ‘ medical errors ’ the pursuit of corporate governance practices seems to be imperative both from organizational and social perspectives. The blue print prepared by ‘ McKinsey ’ for evolving a new health policy deserves to be given adequate attention while making policy overtures across the realm of corporate hospitals.
印度医疗保健部门的持续趋势表明,需要制定一项战略计划,关注“优质护理”。从管理的角度来看,这需要大量的治理议程。企业医院在全国范围内的大规模发展,预示着“诊断”和“治疗”领域的新时代,展现了许多技术。服务业的所谓繁荣——被认为是提高中产阶级生活水平的原因——需要用于生产性事业。人们对健康失调的认识和寻求治疗的态度日益提高,给企业医院带来了巨大的压力,要求它们制定行动计划,以满足以不同形式传播的客户需求。外国资本进入医疗保健服务领域也导致了平等参与者之间的竞争,正如在心脏病方面所看到的那样。企业医院中出现的以个人为中心和以团体为中心的管理模式,需要对这种现象的利弊进行有益的讨论。对“质量管理”的不断推进也使我们能够关注在所谓的公司治理框架中找到特殊位置的“临床治理”。除此之外,技术影响和由此导致的成本上升被认为是企业医院有效管理中需要注意的潜在因素。提升医院的“品牌形象”。在这个关键时刻,关注与客户相关的问题,无论是“成本”还是“服务”,都将确保在业务目标和从客户角度提供服务之间取得公平的平衡。为了推动企业医疗服务向“零容忍”的方向发展,从组织和社会的角度来看,追求公司治理实践似乎都是势在必行的。“麦肯锡”为制定一项新的卫生政策而准备的蓝图,在整个企业医院领域提出政策建议时,值得给予足够的关注。
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引用次数: 0
Time and frequency domain causality Testing: The causal linkages Revisited betweenFiscal Policy and Economic Growth in Pakistan 时域和频域因果检验:巴基斯坦财政政策与经济增长之间的因果关系
Pub Date : 2021-08-25 DOI: 10.47750/CIBG.2021.27.06.080
Sidra Yasmin
Research on the impact of fiscal policy is a dire need in today ’ s economic world. In this investigation, fiscal policy effectson economic growth have been explored.In this analysis,the researcher examined the relationships using the secondary data source for the 1972-2019 data series by employing Auto-Regressive Distributed Lagged Model (ARDL) and frequency domain causality Testing to investigate the causal linkages between Fiscal Policy and Economic Growth in Pakistan. The variables have been used as the budget deficit and economic growth as the core variables of theresearch and concluded the negative association between the fiscal policy (budget Deficit) and economic growth.
研究财政政策的影响是当今经济世界的迫切需要。本研究探讨了财政政策对经济增长的影响。在本分析中,研究人员使用1972-2019年数据系列的辅助数据源,采用自回归分布滞后模型(ARDL)和频域因果检验来研究巴基斯坦财政政策与经济增长之间的因果关系。本文以预算赤字和经济增长为研究的核心变量,得出财政政策(预算赤字)与经济增长的负相关关系。
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引用次数: 0
ETHICS OF POLITICS AND VALUES OF SOCIAL MEDIA: AN IDEAL USE 政治伦理与价值观:社交媒体的理想用途
Pub Date : 2021-08-25 DOI: 10.47750/CIBG.2021.27.06.079
Nadeem Ahmed Diou RubinaShaheenMaria Issani Abdul HayeeBaloach
Social media got unpredictable fast growth and now social media is used in all aspect of life. Social media has influenced all areas of life and politics. Government organization using social media to be in touch with their workers and communication of office work where as political parties are using social media for sharing party activities and manifesto among the volunteers and people. It is not only that even social media is very important tool to attract new workers towards party manifesto even social media is used as a propaganda tool across the world. In Modern democracy the politicians are using social media in very short period of time to engage their voters and citizens are into discussion and direct dialogue. Values of media are not appropriate followed by people. Political representative is engaged in creating social media a platform to be in connection with workers but people consider it as a platform to ventilate themselves and in struggle of to expose political representative. In this study, it is measured that Social Media and Media Ethics are associated to each other. For this Pearson correlation was used Demographic Statistic, And Regression Analysis were Applied to understand the reality eventhickness of data was tested through Cronbach ’ s alpha. This study concluded ethics of politics and values of media are associated but not properly understood by people.
社交媒体得到了不可预测的快速发展,现在社交媒体被用于生活的各个方面。社交媒体已经影响了生活和政治的各个领域。政府机构使用社交媒体与工作人员联系和办公室工作沟通,政党使用社交媒体在志愿者和人民之间分享政党活动和宣言。不仅社交媒体是吸引新工人参与政党宣言的重要工具,甚至社交媒体也被用作世界各地的宣传工具。在现代民主中,政客们在很短的时间内使用社交媒体来吸引选民和公民进行讨论和直接对话。媒体的价值观不适合人们遵循。政治代表致力于创造一个与工人联系的平台,但人们认为它是一个自我通风的平台,也是一个揭露政治代表的斗争平台。在本研究中,社会媒体和媒体伦理是相互关联的。本文采用人口统计学的Pearson相关分析和回归分析来了解数据的真实性,并通过Cronbach’s alpha检验数据的均匀性。本研究认为,政治伦理与媒体价值观是相互关联的,但人们并没有正确理解。
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引用次数: 0
ROLE OF HUMAN RESOURCE PRACTICESAND STAFF SATISFACTION ONORGANIZATIONAL PERFORMANCE 人力资源实践和员工满意度对组织绩效的作用
Pub Date : 2021-08-25 DOI: 10.47750/CIBG.2021.27.06.072
Dr. S Khurram Khan Alwi Dr. Muhammad Shaiq
The study aims to identify the extent at which effective management of HR practices can increase productivity and improve poor performance within the organization. Six major human resource management policies and practices were selected from previous research and analysis was run on a sample of educational institutions of Karachi, Pakistan. Questionnaire,comprised of standard items, wasdeveloped, and circulated in various educational institutions to gather responses. The results generated through the application of SPSS concluded that out of six independent variables, only succession planning and employee satisfaction were found to have a significant impact on organizational productivity. Based on the analysis the study found that educational institutions must pay much more attention to the proper management of their human resources and motivate teachers to realize their skills and competencies to create competitive advantage. To conclude, it could be said that effective management of human resources is very vital to any organization ranging from small to large scare enterprise to sustain productivity. the organizational performance improvement of educational institutes. The study aims to identify the extent at which effective management of HR practices can increase productivity and improve poor performance within the organization and to ascertain if the HR factors impact on the overall organizational productivity, examining the attitude of senior management and other employees on the need for appropriate utilization of human resources available that have a tremendous effect on firm ’ s productivity. We hypothesized that these factors positively affect organizations performance. Questionnaires were developed and circulated in various educational institutions to gather the responses which would help in accepting or rejecting the hypothesesformulated based on review of literature.
该研究旨在确定人力资源实践的有效管理可以提高生产力和改善组织内的不良绩效的程度。从以前的研究中选择了六项主要的人力资源管理政策和做法,并对巴基斯坦卡拉奇的教育机构进行了抽样分析。调查问卷由标准项目组成,并在各教育机构分发,以收集反馈。通过应用SPSS得出的结果是,在六个自变量中,只有继任计划和员工满意度被发现对组织生产力有显著影响。在此基础上,研究发现教育机构必须更加重视对人力资源的合理管理,激励教师发挥自己的技能和能力,以创造竞争优势。总之,它可以说,有效的人力资源管理是非常重要的任何组织,从小型到大型企业,以维持生产力。教育机构的组织绩效改进。该研究旨在确定在何种程度上有效的人力资源管理实践可以提高生产力和改善组织内的不良绩效,并确定人力资源因素是否影响整体组织生产力,检查高级管理层和其他员工对需要适当利用人力资源的态度,这对公司的生产力有巨大的影响。我们假设这些因素对组织绩效有积极影响。调查问卷被开发出来并在各个教育机构中分发,以收集有助于接受或拒绝基于文献回顾而制定的假设的回答。
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引用次数: 1
Role of Head Nurses and Services of Nurses as Front Line against Covid-19 Epidemic 护士长在抗击新冠肺炎疫情一线的作用与护理服务
Pub Date : 2021-08-25 DOI: 10.47750/CIBG.2021.27.06.074
Naeem Shahzad Muhammad Asif Amjad Tabssum Naz
The role of nurses in the health system is like a backbone. The COVID-19 appeared in China in the end of December, 2019 and the epidemic spread around the world. Nurses are risking their lives to work on the front line against the COVID-19. Nurses have always taken risking in performing their duties, but the new epidemic has made their work even more difficult. Nurses are playing a leading role in the fight against Covid-19. The World Health Organization announced the incidence of the coronavirus as an epidemic in March, 2020. The Purpose of the research role of nurses during the Covid-19 pandemic and is to get the front line nurses to known these thought and health issues while talking care of these ablutions.
护士在卫生系统中扮演着骨干的角色。2019年12月底,新冠肺炎疫情在中国出现,并在全球蔓延。护士们冒着生命危险奋战在抗击新冠肺炎的第一线。护士在履行职责时总是冒着风险,但新的疫情使她们的工作更加困难。护士在抗击Covid-19中发挥着主导作用。世界卫生组织于2020年3月宣布冠状病毒为流行病。研究新冠肺炎大流行期间护士的作用,目的是让一线护士在谈论这些洗浴护理时了解这些思想和健康问题。
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引用次数: 1
Theoretical and Islamic Perspective of Leadership 领导的理论和伊斯兰观点
Pub Date : 2021-08-23 DOI: 10.47750/CIBG.2021.27.06.041
Dawood Nawaz Muqarrab Akbar ShehrBano Husni Mubarak
An effective leader is someone who must have some universal predestined characteristics i.e.appraising,compassion,communication skills,delegating the authority,emotional quotient, far sightedness, hopefulness, humility,management, passion,problem solver, promising,selfconfidence, succession, training, trustworthiness,truthfulness,and so on.The concept of leadership can be approached thorough various points of views including administrative, army, business, community, and from spiritual perspectives. The authors has discussed the leadership concept as analysed through the review of literature about the leadership qualities of our beloved Holy Prophet Hazrat Muhammad (SAW) and his Sahaba (R.A). This study has employed qualitative research technique and it is descriptive in nature and the data has been collected from the Quran, Hadith, books, and research articles. The present researchhas tried to provide an analysis of a leadership theories and religious perspective and also its significance for the peoples who want to become a leader. The leader can lead the people with a vision of accomplishing the common objectives according to the teachings of Islam which are clearly defined in the Holy Quran and the Hadith. Our Holy Prophet Hazrat Muhammad (SAWW) is the role model of the effective leader.
一个有效的领导者必须具备一些普遍的特质,如评估、同情、沟通技巧、授权、情商、远见、希望、谦逊、管理、激情、解决问题的能力、有前途、自信、继承、培训、值得信赖、诚实等等。领导力的概念可以从行政、军队、商业、社区和精神角度等不同角度来探讨。作者通过回顾我们敬爱的圣先知哈兹拉特·穆罕默德(SAW)和他的Sahaba (r.a.)的领导素质的文献,讨论了领导概念。本研究采用定性研究技术,本质上是描述性的,数据收集自古兰经、圣训、书籍和研究文章。本研究试图提供一种领导理论和宗教观点的分析,以及它对想要成为领导者的人的意义。领导人可以根据《古兰经》和《圣训》中明确规定的伊斯兰教义,带着实现共同目标的愿景领导人民。我们神圣的先知哈兹拉特·穆罕默德是有效领袖的榜样。
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引用次数: 0
Investigating Attitude, Subject Enrollment, and Achievement in Science before Investing in Higher Education: A Comparison of Universities and Non-University Institutions 高等教育投资前的调查态度、学科招生和科学成绩:大学与非大学机构的比较
Pub Date : 2021-08-23 DOI: 10.47750/CIBG.2021.27.06.043
Dr. Muhammad Tariq Bhatti Dr. Roshan Ali Teevno
The field of science is changing the world in many ways ACT (2017); however, studies have reported the students ’ lowest achievement and lower enrollment rate in science courses (Fayer, 2017; Filardo, 2016) with a negative attitude towards science (ATS) (Song & Bruning, 2016). Specially, the ATS continues to be the dominant factor; importantly the decline in ATS has emerged recently. Drawing on the ATS in higher education benefits, the current study hypothesized that ATS would possibly a driving force in improving science degree programs in three areas, first, increase in science enrollment, second, promoting higher achievement in science, and finally, raising academic standards through positive attitude of head of departments (HoDs) and vice chancellors (V.Cs). Technically, there is a need for analysis any possible dissonance between students ’ ATS and the institution ’ s (Faculty Members & Head) ATS, as both are necessary for improving enrollment in science, and students ’ achievement. This difference of ATS may create a severe problem for students ’ performance and/or institutional gross enrollment in science, therefore, we empirically investigated the attitudes of students, parents, the faculty members (FMs), Head of Departments (HoDs), and V.Cs towards science, graduates and postgraduates (G-PGs) 18.907, p = .05]. Furthermore, the personal information pool and the student ’ s self-ATS, are mainly responsible for the student ’ s subject enrollment in science. We presented reasonable and practically applicable recommendations.
科学领域正在以多种方式改变世界ACT (2017);然而,研究报告了学生在科学课程上的最低成绩和较低的入学率(Fayer, 2017;Filardo, 2016),对科学持消极态度(ATS) (Song & Bruning, 2016)。特别是,ATS仍然是主导因素;重要的是,ATS的下降是最近才出现的。本研究基于ATS在高等教育中的益处,假设ATS可能会在三个方面推动科学学位课程的发展,一是增加科学入学人数,二是促进科学成就的提高,最后是通过系主任和副校长的积极态度提高学术水平。从技术上讲,有必要分析学生的ATS和学校(教职员工和校长)ATS之间可能存在的任何不一致,因为两者都是提高理科入学率和学生成绩的必要条件。这种ATS的差异可能会对学生的表现和/或机构的科学毛入学率造成严重的问题,因此,我们实证调查了学生,家长,教师(FMs),系主任(HoDs)和v.c对科学,毕业生和研究生(g - pg)的态度[18.907,p = 0.05]。此外,个人信息库和学生的自我ats,主要负责学生的理科学科招生。我们提出了合理和实际适用的建议。
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引用次数: 0
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The Journal of Contemporary Issues in Business and Government
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