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A Study of Caste and Gender Barriers for the Operation of Microfinance Institutions (MFIs) in Nepal 尼泊尔小额信贷机构(mfi)运作的种姓和性别障碍研究
Pub Date : 2021-05-10 DOI: 10.36110/sjms.2021.06.01.001
Sailesh Karmacharya
Micro-finance is used worldwide as an effective tool to reduce poverty through providing financial services to the disadvantaged groups such as low-income people and poor women who are traditionally excluded from such services. Nepal is one of the developing countries that is characterized by pervasive gender and caste bias. This study focused on gender and caste barriers that hinder the smooth implementation of microfinance institutions (MFIs) in Nepal. Using data from semi-structured interviews of ten employees of MFIs and other financial institutions, this study showed that staff of the Nepalese MFIs were aware of caste and gender discriminations, but they were inactive in overcoming these social and cultural barriers in their routine work. The findings indicated that the disproportionate male-female ratio among the staff was a major hindrance in the smooth operation of MFIs. Lack of female staff and the passiveness of female borrowers lead to the problem of communication between MFIs’ staff and their clients. Based on these findings, we suggest that gender sensitive awareness training should be included in MFIs’ training and advocacy programs for staff and clients in Nepal. Equal opportunities should be given to females and low caste people in the process of MFIs’ recruitment.
小额信贷在世界范围内被用作一种有效的工具,通过向传统上被排除在这种服务之外的低收入者和贫穷妇女等弱势群体提供金融服务来减少贫困。尼泊尔是一个普遍存在性别和种姓偏见的发展中国家。这项研究的重点是性别和种姓障碍,阻碍了尼泊尔小额信贷机构(MFIs)的顺利实施。利用对小额信贷机构和其他金融机构的10名雇员进行的半结构化访谈的数据,这项研究表明,尼泊尔小额信贷机构的工作人员意识到种姓和性别歧视,但他们在日常工作中不积极克服这些社会和文化障碍。调查结果表明,工作人员中男女比例不成比例是小额信贷机构顺利运作的主要障碍。女性工作人员的缺乏和女性借款人的被动导致了小额信贷机构工作人员与客户之间的沟通问题。基于这些发现,我们建议将性别敏感意识培训纳入小额信贷机构对尼泊尔工作人员和客户的培训和宣传计划。在小额信贷机构的招聘过程中,应该给予女性和低种姓人群平等的机会。
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引用次数: 0
On the Path to Forced Sobriety: The Church Spearheading the Temperance Movement 在强制戒酒的道路上:带头禁酒运动的教会
Pub Date : 2021-05-09 DOI: 10.36110/sjms.2021.06.01.002
Lal Lawmzuali
The relationship held with liquor varies from person to person; a dear friend to those habituated to drinking however, a foe to those that lost a husband, a mother, a daughter and a son to liquor addiction, be it through consumption orharm induced by another consumer(s). The case of the Mizo Christians presents a unique construct on the making of a good Christian thoroughly rooted by the British Missionaries. One necessary pre-condition to the making of a good Christian was abstention from their beloved zu implying the renunciation to the ‘thing’ that held a tread that connected them to their cultural past. Thus, making abstention the symbol of the indigenized Christian and the culture left behind. The passing of years had only increased the Church’s aversion to the drink. Government policy enforced in 1973 had caused for such varieties to be introduced in the state. Prior to the introduction of the Mizoram Excise Act, 1973, civil society had done much to curb the proliferation of country liquor. The Mizoram Presbyterian Church in particular had lobbied for ‘total prohibition’ since 1991 which resulted in the enforcement of their objective, leading the reluctant Government to implement ‘forced sobriety’ in the state.
与酒的关系因人而异;然而,对于那些习惯喝酒的人来说,它是一个亲爱的朋友,对于那些失去丈夫、母亲、女儿和儿子的人来说,它是一个敌人,无论是通过消费还是由另一个消费者引起的伤害。米佐基督徒的案例呈现了一个独特的结构,在制造一个良好的基督徒彻底植根于英国传教士。要成为一个好的基督徒,一个必要的先决条件是远离他们心爱的祖先,这意味着放弃那些将他们与他们的文化联系在一起的“东西”。从而使禁欲成为本土化基督教和文化遗留的象征。岁月的流逝只会增加教会对这种酒的厌恶。1973年实施的政府政策导致这些品种被引入该州。在1973年《米佐拉姆邦消费税法案》出台之前,民间社会为遏制乡村酒的泛滥做了很多工作。特别是米佐拉姆长老会自1991年以来一直游说“全面禁止”,结果他们的目标得以实施,导致不情愿的政府在该邦实施“强制戒酒”。
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引用次数: 0
Impact of Covid-19 Crisis on Micro-Enterprises: A Study of Lunglei Mizoram 2019冠状病毒病危机对微型企业的影响——以伦格雷-米佐拉姆邦为例
Pub Date : 2021-05-08 DOI: 10.36110/sjms.2021.06.01.003
R. Lalngaihsaki, R. Lalnunthara
Covid-19 pandemic has impacted the society, business and economy around the world. The present study is conducted to understand and analyse the impact of Covid-19 crisis on micro-enterprises in Lunglei, Mizoram. For the purpose of the study, 80 micro-enterprises were selected as sample. Primary data were collected by using the structured questionnaire. Secondary data were collected through journals, books and websites. The study reflected that 80% of the enterprises’ revenue were negatively impacted by the pandemic. 58.75% of the enterprises were facing the problems in making obligatory payments such as salaries, wages, rent, taxes, loans etc due to the Covid-19 crisis. The present study also revealed that 28.75% of the enterprises’ working capital were already negative to run the enterprises if Covid-19 crisis continues. Therefore, the study recommended that the government, banks and financial institutions would take steps to alleviate the impact of Covid-19 crisis on the micro-enterprises by providing low interest loans, relaxation of the loan payment, new schemes for entrepreneurs.
新冠肺炎疫情对世界各地的社会、商业和经济产生了影响。本研究旨在了解和分析2019冠状病毒病危机对米佐拉姆邦伦格雷微型企业的影响。为了进行研究,我们选取了80家微型企业作为样本。采用结构化问卷收集初步资料。次要数据通过期刊、书籍和网站收集。研究表明,80%的企业收入受到疫情的负面影响。受新冠肺炎疫情影响,58.75%的企业面临工资、租金、税收、贷款等义务支付问题。本研究还显示,如果新冠肺炎危机持续下去,28.75%的企业营运资金已经为负数。因此,该研究建议政府、银行和金融机构采取措施,通过提供低息贷款、放宽贷款支付、为企业家提供新的计划,减轻新冠肺炎危机对微型企业的影响。
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引用次数: 0
An Empirical Study to Determine the Role of Credit in the Betterment of the Farmers’ Life: A Study with Special Reference to Cachar District of Assam 信贷对农民生活改善作用的实证研究——以阿萨姆邦恰尔地区为例
Pub Date : 2021-05-07 DOI: 10.36110/sjms.2021.06.01.004
Subhash Sinha, Vanlalchhawna
The study focuses on the significance of agricultural credit that can bring change in the life of farmers and rural people. The rural sector is mostly neglected and lacks adequate finance that’s needed to back the sector. However, there are certain financial institutions that work for the welfare of the sector and lend credit facilities to farmers and associated people, for their wellbeing. The current study majorly recognizes the impact and benefits of these credit facilities in improving the situation of farmers at several unnoticed places, including Cachar district. The present study is exploratory in nature. It has explored the role of credit in farmer’s life. The data was collected through a structured questionnaire from 283farmers of Cachar district. The statistical tools applied for the study were “Exploratory Factor Analysis (EFA)”, and “Multiple regression analysis.” The factors identified were Economic Development, Agro Development and Family and Social Development. It was found that there is a significant role of credit in the development of all the three factors.
研究的重点是农业信贷的意义,它可以改变农民和农村人口的生活。农村部门大多被忽视,缺乏支持该部门所需的足够资金。然而,有一些金融机构为农业部门的福利而工作,并为农民和相关人员的福利提供信贷设施。目前的研究主要认识到这些信贷设施在改善包括卡查尔地区在内的几个未被注意的地方的农民状况方面的影响和效益。本研究是探索性的。探讨了信贷在农民生活中的作用。数据是通过结构化问卷从卡查尔地区的283名农民中收集的。本研究采用的统计工具为探索性因子分析(Exploratory Factor Analysis, EFA)和多元回归分析(Multiple regression Analysis)。确定的因素是经济发展、农业发展和家庭与社会发展。研究发现,信用在这三个因素的发展中都起着显著的作用。
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引用次数: 0
A Globalized Era: ICT and its Implications on Higher Education in a Pandemic Period (With Special Reference to Mizoram) 全球化时代:信息通信技术及其对流行病时期高等教育的影响(特别提及米佐拉姆邦)
Pub Date : 2021-05-06 DOI: 10.36110/sjms.2021.06.01.005
R. Hmar, T. Lianhmingsanga
Globalization and global interdependence from a multi-dimensional perspective have generated a web of connectivity and integration across all areas of the globe. Events or outbreaks are no longer confined to any particular region but have widespread repercussions and long-lasting impacts around the world. The revolution of ICT has further intensified the nature of dependence and the commonalities in terms of practises and policies located across the globe. Education and its various connotations is a powerful tool and a process where ICT dependence and reliance are closely intertwined. This study aims to highlight the nature of changes and development brought about in the field of higher education during the Covid-19 pandemic period and the role played by ICT in the context of Mizoram.
从多维角度看,全球化和全球相互依存已经形成了全球各地区互联互通和一体化的网络。事件或疫情不再局限于任何特定区域,而是在世界各地产生广泛影响和长期影响。信息和通信技术革命进一步加强了全球各国在实践和政策方面的依赖性和共性。教育及其各种内涵是一个强大的工具,也是一个信息通信技术依赖与依赖紧密交织的过程。本研究旨在突出2019冠状病毒病大流行期间高等教育领域所带来的变化和发展的性质,以及ICT在米佐拉姆邦的背景下所发挥的作用。
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引用次数: 0
Formation and Construction of ‘Mizo’ as Identity “米佐”身份认同的形成与建构
Pub Date : 2021-05-05 DOI: 10.36110/10.36110/sjms.2021.06.01.006
R. Lalsangpuii
This article is an attempt to understand the complex issues of identity formation of the Mizos who are presently living in the corner most region of India’s North East. Here, it is interesting to study how identity is formed, constructed and even protected. This process involves centuries of historical journey that examines how the people perceived themselves and how the outsiders constructed their identity on the conception of “difference” that would include subjugation and internalisation. It aims to understand how space and territoriality that are imagined or constructed in the psyche of the people played a significant role in identity formation. These are the products of colonial intervention affirmed by Christianity and exposure to the world beyond their isolated hills. It would also focus on the formation and development of ‘Mizo’ in the pre-colonial and post-colonial era. Further, it would also highlight how the nomenclature of the ethnonym, ‘Mizo’ has been debated by the historians. On a methodological note rich archival materials and secondary sources on Mizo identity are employed.
本文试图了解目前居住在印度东北部大部分地区的米佐斯人的身份形成的复杂问题。在这里,研究身份是如何形成、构建甚至保护是很有趣的。这个过程涉及几个世纪的历史旅程,考察了人们如何看待自己,以及外来者如何在“差异”的概念上构建自己的身份,包括征服和内化。它旨在理解在人们的心灵中想象或构建的空间和领土如何在身份形成中发挥重要作用。这些都是基督教肯定的殖民干预的产物,也是他们在与世隔绝的山丘之外接触世界的产物。它还将侧重于“米佐”在前殖民和后殖民时代的形成和发展。此外,它还将强调历史学家对民族名称“Mizo”的命名法的争论。在方法论上,我们采用了丰富的档案材料和关于米佐族身份的二手资料。
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引用次数: 0
Agricultural Practices in Lawngtlai Rural Development Block of Mizoram 米佐拉姆邦朗莱农村发展区块的农业实践
Pub Date : 2021-01-12 DOI: 10.36110/sjms.2020.05.02.001
R. Lalthankhumi, Joseph Lalmalsawma
Agriculture constitutes one of the major sources of income among the people of Mizoram. The areas used for cultivation in Mizoram are usually slashed and burnt down to ashes and are abandoned for years, the land is used and the same plot is re-use after 3-5 years. More than half of the total population is either directly or indirectly involved in agriculture. However, the income from agriculture is less than 5% of the State Gross Domestic Product (State Economic Report, 2015). In the last few decades Mizoram witnessed several changes in agriculture pattern as many farmers have been shifting from cultivation to small- scale agricultural farming.This paper highlights the transformation of agricultural practices and the major factors affecting agricultural production and attempt is made to examine the prevailing socio- economic aspects associated with farmers with special reference to Lawngtlai Rural Development Block and a questionnaire method was used for collecting relevant information for the purpose. The research found that there exist major transformations of agricultural practices in the last couple of decades. The cycle of shifting agriculture period has been shortened drastically. It is also revealed that farmers are gradually adopting settled farming from shifting agriculture and that government intervention and assistance has been increasing more and more in this field. It is suggested that agricultural practice be transformed from jhuming to settled farming and from cultivating the traditional crops to cash crops with governmental and institutional support for shifting to higher income in agricultural and horticultural crops.
农业是米佐拉姆邦人民的主要收入来源之一。米佐拉姆邦用于种植的地区通常被砍倒,烧成灰烬,被遗弃多年,土地被使用,同一地块在3-5年后被重新使用。一半以上的人口直接或间接从事农业。然而,农业收入占国家国内生产总值的比例不到5%(国家经济报告,2015年)。在过去的几十年里,随着许多农民从种植转向小规模农业,米佐拉姆邦的农业模式发生了一些变化。本文强调了农业实践的转变和影响农业生产的主要因素,并试图研究与农民有关的主要社会经济方面,特别是以朗莱农村发展街区为例,并采用问卷调查法收集相关信息。研究发现,在过去的几十年里,农业实践发生了重大转变。农转期周期大大缩短。农民正逐步从转移农业转向定居农业,政府对这一领域的干预和援助也越来越多。建议在政府和机构的支持下,将农业实践从聚落农业转变为定居农业,从种植传统作物转变为经济作物,以转向高收入的农业和园艺作物。
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引用次数: 0
Importance of Sports Drinks as a Performance Prerequisites 运动饮料作为性能先决条件的重要性
Pub Date : 2021-01-11 DOI: 10.36110/sjms.2020.05.02.002
Shantanu Halder, Sumanta Daw
Optimal hydration is an essential consideration for athletic performance and it involves activities before, during and after exercise. Hence, adequate hydration not only provides benefits for health but also facilitate to maintain athletic performance. Therefore, the objective of the present study is to evaluate the importance of sports drinks as a performance prerequisites. The central aim of sports drinks utilization differ according to the mode of exercise regime but from a hydration point of view it depends upon rapid fluid absorption, reduction of physiological stress and faster recovery after exercise. So, proper intake of different essential macro and micro nutrients will help our body to hydrate. Sports drinks is a such a product which contain almost all the things which we lost during sports performance. Similarly, dehydration is a condition which cause negative impact on sports performance. The performance of the athlete is very much depends upon their hydration point of view, which may lead to cause both psychological as well as physiological illness. During activity the major fluid loss occurs through sweat. Thus it causes increment of heart rate, body temperature and also reduces the fluid absorption rate, making out body resistive against the minimum demand of work. All these problems can be overcome with the help of isotonic sports drinks. It helps replenish the lost fluid and also provide essential electrolytes and carbohydrates to the athletes which ultimately helped them to execute better performance output.
最佳水合作用是运动表现的基本考虑因素,它涉及运动前、运动中和运动后的活动。因此,充足的水分不仅对健康有益,而且有助于保持运动表现。因此,本研究的目的是评估运动饮料作为表现先决条件的重要性。运动饮料使用的中心目标根据运动方式的不同而不同,但从水合作用的角度来看,它取决于快速的液体吸收,减少生理压力和运动后更快的恢复。因此,适当摄入各种必需的宏量和微量营养素有助于我们的身体补水。运动饮料就是这样一种产品,它几乎包含了我们在运动中失去的所有东西。同样,脱水是一种对运动表现产生负面影响的情况。运动员的表现很大程度上取决于他们的补水情况,这可能会导致心理和生理上的疾病。在活动中,主要的液体流失是通过汗液。因此,它引起心率和体温的增加,并降低液体吸收率,使身体抵抗最低的工作需求。所有这些问题都可以在等渗运动饮料的帮助下克服。它有助于补充失去的液体,也为运动员提供必要的电解质和碳水化合物,最终帮助他们执行更好的性能输出。
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引用次数: 4
A Study of the Effect of Parental Education and Occupation on the Study Habits of Class XI Science Students of Aizawl City
Pub Date : 2021-01-10 DOI: 10.36110/sjms.2020.05.02.003
Zairemmawia Renthlei
It has been often said home is the first school and parents the first teachers. A child’s education is greatly affected by his environment including the home. As parents are major figures in the home, their education and occupational status would be expected to have bearing on the educational performance of a child. A study was conducted among secondary science students of Aizawl City Mizoram to examine if parental education and occupational status would have significant bearing on the study habits of the child. A sample population of 512 students from 8 schools was examined and the Study Habit Inventory developed by Dr. M. Mukhopadhyay and Dr. D. N. Sansanwal was used for the purpose of the study. Statistical techniques such as t-test were used to analyse the data and the study found that the study habits of children were affected only by the educational status of the mothers.
人们常说家是第一个学校,父母是第一个老师。一个孩子的教育很大程度上受到他的环境包括家庭的影响。由于父母是家庭中的主要人物,他们的教育程度和职业地位会对孩子的学习成绩产生影响。一项研究在米佐拉姆邦Aizawl市的中学理科学生中进行,以检验父母的教育程度和职业状况是否会对孩子的学习习惯产生重大影响。研究人员对来自8所学校的512名学生进行了抽样调查,使用了M. Mukhopadhyay博士和D. N. Sansanwal博士开发的学习习惯清单。使用t检验等统计技术对数据进行分析,研究发现,儿童的学习习惯只受母亲教育程度的影响。
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引用次数: 0
Relationship Between Somatotyping and Wellbeing of Special Home Female Adolescent Students 特殊家庭女青少年学生躯体分型与幸福感的关系
Pub Date : 2021-01-09 DOI: 10.36110/sjms.2020.05.02.004
Arpita Chakrabarti, Sumanta Daw, Gopal Chandra Saha
The purpose of the study was to find out the relationship between somatotyping and wellbeing of the female adolescent students who are living in a special home. For the present study, researcher has selected 50 female adolescent students from Govindo Home Panihati, West Bengal. The random sampling technique was used for the selection of the sample. Age, Height and weight were taken as personal details and different body measurements were considered for the assessment of somatotype components (namely endomorph, mesomorph and ectomorph). Well-Being Index was used for the measurement of psychological state of the subjects. All the data were recorded in form of digital score and then it was statistically analyzed in order to get the results and to draw conclusions. The two descriptive statistics namely Mean and SD were used. Pearson Coefficient of correlation was used to measure the degree of relationship at 0.05 level of significance. According to somatotyping assessment the overall categories of the selected samples belong to Endomorphic ectomorph category. It was also evident from the results that the female adolescent students living in special home poses Extreme level of well-being. It was apparent from the present study that the well-being has significant negative relationship with endomorphic characteristics as calculated ‘r’ i.e. -0.281 was greater than the tabulated value which is 0.279. In this regard the study also confirmed that the well-being has positive relation with endomrph and ectomorph body type, although it was proved statistically insignificant.
摘要本研究旨在探讨特殊家庭中青春期女学生的躯体型与幸福感之间的关系。在本研究中,研究者选择了50名来自西孟加拉邦Govindo Home Panihati的女青少年。样本的选择采用随机抽样技术。年龄、身高和体重作为个人信息,并考虑不同的身体测量来评估体型成分(即内形态、中形态和外形态)。幸福感指数用于测量被试的心理状态。所有的数据都以数字分数的形式记录下来,然后进行统计分析,得出结果并得出结论。采用Mean和SD两种描述性统计。采用Pearson相关系数在0.05显著水平上衡量相关程度。根据体质分型评估,所选样本的总体类别属于内胚型生态形态类别。从结果也可以看出,生活在特殊家庭中的女青少年学生的幸福感达到了极高的水平。从本研究中可以明显看出,幸福感与自同态特征之间存在显著的负相关关系,计算“r”(-0.281)大于表中值(0.279)。在这方面,本研究也证实了幸福感与内禀型和外禀型呈正相关,尽管被证明在统计学上不显著。
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引用次数: 0
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Senhri Journal of Multidisciplinary Studies
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