John Oluwaseun Ajamobe, S. O. Adeniyi, Oluwafisayo Grace Adeniyi
The life wire of every organization is the quality of its workforce. Thus, employee’s productivity is an important consideration for the success of any business as it provides the needed competitive comparative advantage over rivalry firms in the market. In fact, understanding the peculiarity of every employee within an organization in term of work psychology geared towards bring the best out of each employee is as important as the organization itself. In the light of this basic truth, it is highly imperative that attempts be made at examining work environment, supervision and job satisfaction on employees’ productivity of manufacturing firms in Oyo State, Nigeria. The study aimed at examining the impact of work environment, supervision and job satisfaction on employees’ productivity in Nigeria. Three research hypotheses were formulated and tested at 0.05 significant levels to guide the study. Consequently, adopting the causal-comparative research design which is ex post facto in nature using purposive sampling technique, 466 manufacturing firms was the total population for the study in which 50% was sampled comprising 235 participants. However, only 202 participants returned their questionnaire given 86% which is high enough for analysis. The research instrument titled “Work Environment, Supervision and Job Satisfaction on Employees Productivity Questionnaire” (WESJSEPQ) was validated to gather data in the study at .85 reliability value. The data collected was analyzed using descriptive statistics such as frequency coefficient, percentage, mean and standard deviation while Pearson Product Moment Correlation was used to test the three hypotheses. Findings of the study showed that work environment (r= -.92; df= 193; P <.05), supervision (r= .791; df= 193; P <.05) and job satisfaction (r= .679; df = 193; P < .05) were significantly correlated with employees’ productivity. The study recommends that workers welfare and supervision should be of paramount importance to the management of manufacturing firms which will translate to increased productivity.
{"title":"Work Environment, Supervision and Job Satisfaction on Employees Productivity of Manufacturing Firms in Oluyole Local Government Area, Oyo State, Nigeria.","authors":"John Oluwaseun Ajamobe, S. O. Adeniyi, Oluwafisayo Grace Adeniyi","doi":"10.32924/ijbs.v6i3.233","DOIUrl":"https://doi.org/10.32924/ijbs.v6i3.233","url":null,"abstract":"The life wire of every organization is the quality of its workforce. Thus, employee’s productivity is an important consideration for the success of any business as it provides the needed competitive comparative advantage over rivalry firms in the market. In fact, understanding the peculiarity of every employee within an organization in term of work psychology geared towards bring the best out of each employee is as important as the organization itself. In the light of this basic truth, it is highly imperative that attempts be made at examining work environment, supervision and job satisfaction on employees’ productivity of manufacturing firms in Oyo State, Nigeria. The study aimed at examining the impact of work environment, supervision and job satisfaction on employees’ productivity in Nigeria. Three research hypotheses were formulated and tested at 0.05 significant levels to guide the study. Consequently, adopting the causal-comparative research design which is ex post facto in nature using purposive sampling technique, 466 manufacturing firms was the total population for the study in which 50% was sampled comprising 235 participants. However, only 202 participants returned their questionnaire given 86% which is high enough for analysis. The research instrument titled “Work Environment, Supervision and Job Satisfaction on Employees Productivity Questionnaire” (WESJSEPQ) was validated to gather data in the study at .85 reliability value. The data collected was analyzed using descriptive statistics such as frequency coefficient, percentage, mean and standard deviation while Pearson Product Moment Correlation was used to test the three hypotheses. Findings of the study showed that work environment (r= -.92; df= 193; P <.05), supervision (r= .791; df= 193; P <.05) and job satisfaction (r= .679; df = 193; P < .05) were significantly correlated with employees’ productivity. The study recommends that workers welfare and supervision should be of paramount importance to the management of manufacturing firms which will translate to increased productivity. \u0000 ","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":"15 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72460604","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The concept of financial inclusion emerged in the period from the 1990s to 2000. It has been considered a policy priority by governments and international organizations to reduce poverty and establish inclusive growth. The Tunisian government and the Central Bank of Tunisia have taken some measures to promote financial inclusion through digitalization, such as Automated Teller Machine, mobile banking, internet banking and e-wallets. Within this framework, our study examines the relationship between the digitization of the Tunisian banking sector and financial inclusion and whether technological developments in Fintech have contributed to an inclusive financial system. By developing a questionnaire survey of Tunisian bank employees, we find a significant positive relationship between digital technology and financial inclusion. Our research is original in that it examines the relationship between digital banking and financial inclusion using four inclusive development indicators: access, use, quality, and efficiency of financial services. Likewise, and to our knowledge, this is the first study of its kind in the Tunisian context.
{"title":"Relationship between digital banking and financial inclusion: Evidence from Tunisia","authors":"Inès Gharbi, A. Kammoun","doi":"10.32924/ijbs.v6i3.228","DOIUrl":"https://doi.org/10.32924/ijbs.v6i3.228","url":null,"abstract":"The concept of financial inclusion emerged in the period from the 1990s to 2000. It has been considered a policy priority by governments and international organizations to reduce poverty and establish inclusive growth. The Tunisian government and the Central Bank of Tunisia have taken some measures to promote financial inclusion through digitalization, such as Automated Teller Machine, mobile banking, internet banking and e-wallets. Within this framework, our study examines the relationship between the digitization of the Tunisian banking sector and financial inclusion and whether technological developments in Fintech have contributed to an inclusive financial system. By developing a questionnaire survey of Tunisian bank employees, we find a significant positive relationship between digital technology and financial inclusion. Our research is original in that it examines the relationship between digital banking and financial inclusion using four inclusive development indicators: access, use, quality, and efficiency of financial services. Likewise, and to our knowledge, this is the first study of its kind in the Tunisian context.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78095700","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Social media allows marketers to connect and engage potential customers. This led many marketing professionals to refocus on their social media marketing strategy. Menantea Toko is one of the most talked Food and Beverage Brand in 2021. Their existence surprised the public because they gained 100k followers in just 3 days. The purpose of this research is to determine how to evaluate the usage of social media Instagram Menantea and to propose a social media marketing strategy for Menantea. This form of research is taken as descriptive quantitative research. The research population is followers of Instagram Menantea. This study used a non-probability sample approach known as purposive sampling, with the minimal sampling size obtained using the slovin formula. Methods for gathering data include in-depth interviews, surveys, and Forum Group Discussions (FGD). Pearson's product moment validity test and the Cronbach's Alpha formula were used to evaluate the questionnaire's reliability. The results demonstrated that social media marketing on Instagram Menantea was effective and generated a positive response from followers.
{"title":"Evaluation of Instagram Social Media Marketing to Plan New Strategy Formulation in Menantea","authors":"Maharani Putri Dinanti, Auryn Nathania Soputra, Griselda Sampurno, Arianis Chan","doi":"10.32924/ijbs.v6i3.226","DOIUrl":"https://doi.org/10.32924/ijbs.v6i3.226","url":null,"abstract":"Social media allows marketers to connect and engage potential customers. This led many marketing professionals to refocus on their social media marketing strategy. Menantea Toko is one of the most talked Food and Beverage Brand in 2021. Their existence surprised the public because they gained 100k followers in just 3 days. The purpose of this research is to determine how to evaluate the usage of social media Instagram Menantea and to propose a social media marketing strategy for Menantea. This form of research is taken as descriptive quantitative research. The research population is followers of Instagram Menantea. This study used a non-probability sample approach known as purposive sampling, with the minimal sampling size obtained using the slovin formula. Methods for gathering data include in-depth interviews, surveys, and Forum Group Discussions (FGD). Pearson's product moment validity test and the Cronbach's Alpha formula were used to evaluate the questionnaire's reliability. The results demonstrated that social media marketing on Instagram Menantea was effective and generated a positive response from followers.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":"103 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82692977","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-11-11DOI: 10.21632/irjbs.15.2.167-176
A. Teja
The study uses quantitative method to estimate the effect of Corporate- and Dividend-Income-Tax rates on Total-Bank-Capital, Tier-1-Bank-Capital, and Tier-2-Bank-Capital ratios. The samples are banks from ASEAN-4 countries, i.e. Indonesia, Malaysia, The Philippines, and Thailand, taken in 2020. The effects of Corporate- and Dividend-Income-Tax on Total-Bank-Capital, Tier- 1-Bank-Capital, and Tier-2-Bank-Capital ratios were analyzed using cross-section regression. We placed Total-Bank-Capital, Tier-1-Bank-Capital, and Tier-2-Bank-Capital ratios as the dependent variable. Corporate- and DividendIncome-Tax rates were placed as the independent variable. Both Corporate and Dividend-Income-Tax rates are statistically significant and positively affect the Total-Bank-Capital and Tier-1-Bank-Capital. The findings suggest that high Corporate- and Dividend-Income-Tax rates reduce banks’ significant risks. Corporate-Income-Tax rates and negatively affect Tier-2-Bank-Capital. The finding suggests that lower tax rates will induce banks to increase their Tier-2- Bank-Capital ratio. However, the effect of Dividend-Income-Tax rates on Tier-2- Bank-Capital is not statistically significant.
{"title":"Effect of Corporate and Dividend Income Tax Rates on Bank Capital","authors":"A. Teja","doi":"10.21632/irjbs.15.2.167-176","DOIUrl":"https://doi.org/10.21632/irjbs.15.2.167-176","url":null,"abstract":"The study uses quantitative method to estimate the effect of Corporate- and Dividend-Income-Tax rates on Total-Bank-Capital, Tier-1-Bank-Capital, and Tier-2-Bank-Capital ratios. The samples are banks from ASEAN-4 countries, i.e. Indonesia, Malaysia, The Philippines, and Thailand, taken in 2020. The effects of Corporate- and Dividend-Income-Tax on Total-Bank-Capital, Tier- 1-Bank-Capital, and Tier-2-Bank-Capital ratios were analyzed using cross-section regression. We placed Total-Bank-Capital, Tier-1-Bank-Capital, and Tier-2-Bank-Capital ratios as the dependent variable. Corporate- and DividendIncome-Tax rates were placed as the independent variable. Both Corporate and Dividend-Income-Tax rates are statistically significant and positively affect the Total-Bank-Capital and Tier-1-Bank-Capital. The findings suggest that high Corporate- and Dividend-Income-Tax rates reduce banks’ significant risks. Corporate-Income-Tax rates and negatively affect Tier-2-Bank-Capital. The finding suggests that lower tax rates will induce banks to increase their Tier-2- Bank-Capital ratio. However, the effect of Dividend-Income-Tax rates on Tier-2- Bank-Capital is not statistically significant.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42323309","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-11-11DOI: 10.21632/irjbs.15.2.205-217
Herlina Yoka Roida, Resty Fauzyah Yahya, N. A. Sunarjanto
This study aims to examine whether or not family control benefiting the internal and external governance mechanism to mitigate to agency problems affecting dividends in a capital market environment to improve investor protection such as Indonesia. The quantitative analysis model was used to test the hypotheses based on the panel data analysis of 58 family firms listed from 2012 to 2019, and the random effect technique (pooled EGLS). The findings indicate that internal governance mechanism (family ownership and family board representation) are irrelevant to the dividend policy. However, external governance mechanism (debt) negatively affects dividends. This means that debt plays a significant role in influencing dividend policies. In addition, it provides the issue from institutional setting, when legal protection for minority shareholders is improving, the governance role of families become less effective to monitor the firms.
{"title":"Family Ownership Concentration and Debt in Dividends Policies","authors":"Herlina Yoka Roida, Resty Fauzyah Yahya, N. A. Sunarjanto","doi":"10.21632/irjbs.15.2.205-217","DOIUrl":"https://doi.org/10.21632/irjbs.15.2.205-217","url":null,"abstract":"This study aims to examine whether or not family control benefiting the internal and external governance mechanism to mitigate to agency problems affecting dividends in a capital market environment to improve investor protection such as Indonesia. The quantitative analysis model was used to test the hypotheses based on the panel data analysis of 58 family firms listed from 2012 to 2019, and the random effect technique (pooled EGLS). The findings indicate that internal governance mechanism (family ownership and family board representation) are irrelevant to the dividend policy. However, external governance mechanism (debt) negatively affects dividends. This means that debt plays a significant role in influencing dividend policies. In addition, it provides the issue from institutional setting, when legal protection for minority shareholders is improving, the governance role of families become less effective to monitor the firms.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42735465","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-11-11DOI: 10.21632/irjbs.15.2.191-204
Sandy Gunawan, R. Syarief, Popong Nurhayati, Yudha Heryawan Asnawi, Handito Hadi Joewono
Research on strategic Corporate Social Responsibility (CSR) in small and medium-sized enterprises (SMEs) is still not many in number, particularly, in developing countries. Although SMEs play an important role in economic development, this sector has received less attention in research on its competitiveness through social responsibility. According to previous literature, SMEs have unconsciously practiced social responsibility but have not been integrated in their strategy. The same condition has also occurred to SMEs in Badung district, Bali, where they practice social responsibility in running their business as an embodiment of a philosophy based on religious teachings. However, this type of CSR has not yet made a positive contribution to their competitiveness. This study attempts to answer what elements are required to obtain CSR as strategy. Interpretive Structural Modeling methodology was implemented to the SMEs located in Badung Regency, Bali . The study finds that the integration of strategic CSR into SMEs’ strategy was focused on new paradigm improve SMEs’ competitiveness. This new way of thinking can be achieved by intensively socializing the benefits of strategic CSR through education, relevant policy and collaboration between related stakeholders.
{"title":"The Predominant Elements for Strategic CSR Implementation in SMEs","authors":"Sandy Gunawan, R. Syarief, Popong Nurhayati, Yudha Heryawan Asnawi, Handito Hadi Joewono","doi":"10.21632/irjbs.15.2.191-204","DOIUrl":"https://doi.org/10.21632/irjbs.15.2.191-204","url":null,"abstract":"Research on strategic Corporate Social Responsibility (CSR) in small and medium-sized enterprises (SMEs) is still not many in number, particularly, in developing countries. Although SMEs play an important role in economic development, this sector has received less attention in research on its competitiveness through social responsibility. According to previous literature, SMEs have unconsciously practiced social responsibility but have not been integrated in their strategy. The same condition has also occurred to SMEs in Badung district, Bali, where they practice social responsibility in running their business as an embodiment of a philosophy based on religious teachings. However, this type of CSR has not yet made a positive contribution to their competitiveness. This study attempts to answer what elements are required to obtain CSR as strategy. Interpretive Structural Modeling methodology was implemented to the SMEs located in Badung Regency, Bali . The study finds that the integration of strategic CSR into SMEs’ strategy was focused on new paradigm improve SMEs’ competitiveness. This new way of thinking can be achieved by intensively socializing the benefits of strategic CSR through education, relevant policy and collaboration between related stakeholders.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47301528","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-11-11DOI: 10.21632/irjbs.15.2.111-119
Sita deliyana Firmialy, A. Hidayat
As one of the drivers of economic success and societal welfare in Indonesia, financial literacy is a must for young entrepreneurs today. The study attemps to evaluate Millenial entrepreneurs financial literacy and financial well-being conditions while several PPKM (Restrictions on Community Activities) during Pandemic Covid-19 are in effect. Between mid-October 2021 and early January 2022, the survey used 100 young entrepreneurs aged 21-40 in West Java Province, Indonesia as samples. The hypotheses testing results from Exploratory Factor Analysis (EFA) and Structural Equation Model (SEM) methods show a consistent association between the main components of financial literacy with the level of financial well-being, with insurance and personal savings and loans becoming the dominant predictor affected financial knowledge, followed with security that serves as main determinant that affected the level of financial attitude of these millenial entrepreneurs. However, this study has limitation as the sample and number of experimental parameters are small.
{"title":"Financial Literacy on Millenial Entrepeneurs during Pandemic Covid-19","authors":"Sita deliyana Firmialy, A. Hidayat","doi":"10.21632/irjbs.15.2.111-119","DOIUrl":"https://doi.org/10.21632/irjbs.15.2.111-119","url":null,"abstract":"As one of the drivers of economic success and societal welfare in Indonesia, financial literacy is a must for young entrepreneurs today. The study attemps to evaluate Millenial entrepreneurs financial literacy and financial well-being conditions while several PPKM (Restrictions on Community Activities) during Pandemic Covid-19 are in effect. Between mid-October 2021 and early January 2022, the survey used 100 young entrepreneurs aged 21-40 in West Java Province, Indonesia as samples. The hypotheses testing results from Exploratory Factor Analysis (EFA) and Structural Equation Model (SEM) methods show a consistent association between the main components of financial literacy with the level of financial well-being, with insurance and personal savings and loans becoming the dominant predictor affected financial knowledge, followed with security that serves as main determinant that affected the level of financial attitude of these millenial entrepreneurs. However, this study has limitation as the sample and number of experimental parameters are small.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43290646","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-11-11DOI: 10.21632/irjbs.15.2.121-127
Hway-Boon Ong
The outbreak of the covid-19 pandemic had forced economies to implement movement restrictions that resulted in income shock to households. This study aims to gauge the impact of income shock due to movement control order (MCO). This study examined the factors that affect Malaysian household financial self-efficacy due to movement restrictions. A survey was conducted online from 1 April 2020 to 30 June 2020 to gather responses from households. Data collected were analysed using the KMO sampling adequacy test, Bartlett’s test, reliability, and factor analysis. More than 46% of the respondents’ income was significantly decreased or somewhat decreased due to MCO. Financial tools, lifestyle adaptation, contingency plan and realization of the impact of MCO had significantly affected household financial efficacy.
{"title":"Exploring Household Financial Self-Efficacy Amid MCO","authors":"Hway-Boon Ong","doi":"10.21632/irjbs.15.2.121-127","DOIUrl":"https://doi.org/10.21632/irjbs.15.2.121-127","url":null,"abstract":"The outbreak of the covid-19 pandemic had forced economies to implement movement restrictions that resulted in income shock to households. This study aims to gauge the impact of income shock due to movement control order (MCO). This study examined the factors that affect Malaysian household financial self-efficacy due to movement restrictions. A survey was conducted online from 1 April 2020 to 30 June 2020 to gather responses from households. Data collected were analysed using the KMO sampling adequacy test, Bartlett’s test, reliability, and factor analysis. More than 46% of the respondents’ income was significantly decreased or somewhat decreased due to MCO. Financial tools, lifestyle adaptation, contingency plan and realization of the impact of MCO had significantly affected household financial efficacy.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46783515","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-11-11DOI: 10.21632/irjbs.15.2.177-190
Zahoor Ahmad Parray, Shabir Ahmad Bhat, Raouf Ahmad Rather, Pirzada Sajad Ahmad
Microfinance has been evolving to be a decisive factor in poverty reduction, rural and entrepreneurial development. This research aims to find out the impact of microfinance on rural/socio-economic development and entrepreneurial skill development. Particularly, this study attempts to explore the impact of microfinance on social development, financial empowerment, education, healthcare, economic independence, and entrepreneurial development. Data was collected through questionnaires taken from the beneficiaries of the National Rural Livelihood Mission (NRLM) erstwhile Swaran Jayanti Shahri Rozgar Yojana (SJSRY) microfinance scheme in the Union Territory of Jammu and Kashmir, India. A purposive sampling method, exploratory factor analysis, and paired sample t-test were used in this study. The findings prove that microfinance facilitates social development, improved financial empowerment, and promotes decision-making relating to education and healthcare among beneficiaries. The finding also indicates that microfinance helps to increase entrepreneurial skill development among the beneficiaries. This study offers insight into how microfinance eliminates poverty and facilitates social development as well as entrepreneurial skills. These findings have essential implications for academics, policymakers, and microfinance institutions.
小额供资已逐渐成为减少贫穷、农村和企业发展的一个决定性因素。本研究旨在找出小额信贷对农村/社会经济发展和创业技能发展的影响。本研究尤其试图探讨小额信贷对社会发展、金融赋权、教育、医疗保健、经济独立和创业发展的影响。数据是通过从印度查谟和克什米尔联邦领土的国家农村生计特派团(NRLM)以前的Swaran Jayanti Shahri Rozgar Yojana (SJSRY)小额信贷计划的受益人那里获得的问卷调查收集的。本研究采用目的抽样、探索性因子分析和配对样本t检验。调查结果证明，小额信贷促进了社会发展，增强了金融赋权，促进了受益人在教育和保健方面的决策。这一发现还表明，小额信贷有助于提高受益者的创业技能发展。这项研究为小额信贷如何消除贫困和促进社会发展以及创业技能提供了见解。这些发现对学术界、政策制定者和小额信贷机构具有重要意义。
{"title":"Investigating the Rural and Entrepreneurial Development through Microfinance","authors":"Zahoor Ahmad Parray, Shabir Ahmad Bhat, Raouf Ahmad Rather, Pirzada Sajad Ahmad","doi":"10.21632/irjbs.15.2.177-190","DOIUrl":"https://doi.org/10.21632/irjbs.15.2.177-190","url":null,"abstract":"Microfinance has been evolving to be a decisive factor in poverty reduction, rural and entrepreneurial development. This research aims to find out the impact of microfinance on rural/socio-economic development and entrepreneurial skill development. Particularly, this study attempts to explore the impact of microfinance on social development, financial empowerment, education, healthcare, economic independence, and entrepreneurial development. Data was collected through questionnaires taken from the beneficiaries of the National Rural Livelihood Mission (NRLM) erstwhile Swaran Jayanti Shahri Rozgar Yojana (SJSRY) microfinance scheme in the Union Territory of Jammu and Kashmir, India. A purposive sampling method, exploratory factor analysis, and paired sample t-test were used in this study. The findings prove that microfinance facilitates social development, improved financial empowerment, and promotes decision-making relating to education and healthcare among beneficiaries. The finding also indicates that microfinance helps to increase entrepreneurial skill development among the beneficiaries. This study offers insight into how microfinance eliminates poverty and facilitates social development as well as entrepreneurial skills. These findings have essential implications for academics, policymakers, and microfinance institutions.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49009047","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-11-11DOI: 10.21632/irjbs.15.2.143-165
Muzammal Ahmad Khan, Jayakumar Chinnasamy
Non-financial reporting is a disclosure of a company’s social, environmental, and human rights information. It is also known as environmental, social, and governance information. This study attempts to assess the main content and future research suggestions reported in previous non-financial reporting studies and aims to offer recommendations for future research. Nine major databases over a decade (2005-2016) were explored using specific keywords, 183 articles were identified to be exclusively dealt with non-financial reporting in both developed and developing nations. The finding indicates that there is a variation in the content focusing on non-financial reporting research in both developed and developing countries. Several selected articles have recommended that further research be focus on in-depth qualitative inquiries in the field to better support the practice of non-financial reporting.
{"title":"Non-Financial Reporting Research in Developed and Developing Countries","authors":"Muzammal Ahmad Khan, Jayakumar Chinnasamy","doi":"10.21632/irjbs.15.2.143-165","DOIUrl":"https://doi.org/10.21632/irjbs.15.2.143-165","url":null,"abstract":"Non-financial reporting is a disclosure of a company’s social, environmental, and human rights information. It is also known as environmental, social, and governance information. This study attempts to assess the main content and future research suggestions reported in previous non-financial reporting studies and aims to offer recommendations for future research. Nine major databases over a decade (2005-2016) were explored using specific keywords, 183 articles were identified to be exclusively dealt with non-financial reporting in both developed and developing nations. The finding indicates that there is a variation in the content focusing on non-financial reporting research in both developed and developing countries. Several selected articles have recommended that further research be focus on in-depth qualitative inquiries in the field to better support the practice of non-financial reporting.","PeriodicalId":31166,"journal":{"name":"International Research Journal of Business Studies","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47612960","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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