Analysis of Effect of Microfinance on the Performance of MSEs in Amhara National Regional State, Ethiopia

2021 ◽  
pp. 097135572097482
Author(s):  
Abiot Animaw Semegn ◽  
Narendra Kumar Bishnoi
Keyword(s):  
Survey Method ◽  
Small Enterprises ◽  
Test Analysis ◽  
Entrepreneurship Training ◽  
Regional State ◽  
Significant Difference ◽  
Net Profit ◽  
Profit Performance ◽  
Loan Size ◽  
Positive Effect

This article examines the effect of microcredit on the performance of the micro and small enterprises (MSEs) in Amhara National Regional State, Ethiopia. A total of 340 MSEs were randomly selected, and a survey method was used. Average Sales volume was used to measure performances of MSEs. The findings suggested that the majority of MSEs in Ethiopia were engaged in manufacturing and urban agriculture sectors with a share of 48.53% and 26.76% of the total, respectively. Paired t-test analysis of the study confirmed that there was a significant difference between the sales, total asset, employment and net profit performance of MSEs after microcredit loan. The study concluded that loan size, savings and entrepreneurship training had a significant positive effect on the performance of MSEs. It is suggested that microfinancial institutions should strengthen their existing policies and strategies to increase credit to MSEs, enhancing the modalities of entrepreneurship training and mobilizing savings to achieve the envisioned targets of reducing unemployment and promoting the growth of MSEs in Ethiopia.

scholarly journals Socio-Economic Studies in Beef Cattle and Corn Crop Business

2020 ◽  
Vol 14 (3) ◽  
pp. 521
Author(s):  
Supardi Rusdiana ◽  
Angga Ardhati Rani Hapsari
Keyword(s):  
Beef Cattle ◽  
Confidence Level ◽  
Economic Value ◽  
Secondary Data ◽  
T Test ◽  
Survey Method ◽  
Test Analysis ◽  
Corn Crop ◽  
Significant Difference ◽  
Net Profit

The purpose of this research was to analyze the economic value of farmers in beef cattle business and corn crop business. The research was conducted in Pallangga Village, Pallangga Sub-District, Gowa Regency, South Sulawesi in 2018. The research used a survey method and interviews with 26 farmers. The research method used a statistical analysis of t-test and economic value of R/C. Primary and secondary data were analyzed descriptively, quantitatively and economic analysis. The results showed that the results of the t-test analysis of the average similarity at 99% confidence level, there was a significant difference between the number of beef cattle and land area, a significance of 0,000 smaller (P <0.05). Farmer education had no significant effect on the 95% confidence level, because it was supported by the experience of farmers which was quite high (P>0.05). Farmer labor had a significant effect on the level by 99% and had a positive effect on beef cattle and corn plant. It was supported by the age of farmers who were still productive, so farmers were able to increase working time. Net profit from beef cattle business was Rp.4.85 million/year, equivalent to Rp.404,166/month with R/C of 1.92. The net profit from corn crop business was Rp.5.88 million/year, equivalent to Rp.404,166/month with R/C of 1.97. These results indicated the t-test value as a variable that significantly affected (P> 0.05). In terms of economic value, beef cattle and corn crop business in farmers with an R/C value > 1, it can be said that the business was feasible to be maintained.

scholarly journals GENDER, RACES AND THEIR RELATIONSHIP WITH NEEDS MOTIVATION IN ACADEMIC PERFORMANCE

2021 ◽  
Vol 3 (9) ◽  
Author(s):  
Ting Tiang Hii ◽  
Shahlan Surat
Keyword(s):  
Academic Performance ◽  
Pearson Correlation ◽  
Sampling Technique ◽  
T Test ◽  
Survey Method ◽  
School Students ◽  
Test Analysis ◽  
Gender And Race ◽  
Significant Difference ◽  
Motivation Score

The study is aimed to identify the relationship between gender and race with needs motivation in academic performance for secondary school students. A survey method through questionnaire was used to collect motivation score and demographic of samples. A total of 400 form 3 students from five different secondary schools in Skudai, Johor were selected as respondents using a stratified random sampling technique. The David McClelland Motives questionnaire was used as a research instrument, in which it covers three main domains of motivation, namely needs of achievement, needs of affiliation, and needs of power. Inferential T-test and Pearson correlation were used to test the hypotheses. The T-test analysis stated that there was no significant difference between gender and race with motivation scores. Pearson correlation analysis showed that there was a weak significant positive relationship between motivation score and student's academic performance mean score. In a conclusion, need motivation has an influence on students’ academic performance. Teachers should assimilate a variety of teaching styles and encourage students from time to time to motivate them to strive for excellence.

scholarly journals Studi Komparatif Program Pengendalian Hama Terpadu Terhadap Pengetahuan, Produksi, Dan Pendapatan Petani Padi Sawah Di Kabupaten Labuhanbatu Utara

2019 ◽  
Vol 1 (1) ◽  
pp. 38-46
Author(s):  
Baratuj Zakiyah ◽  
Retno Astuti Kuswardhani ◽  
Rahmanta Ginting
Keyword(s):  
Lowland Rice ◽  
Survey Method ◽  
Average Difference ◽  
Average Income ◽  
Test Analysis ◽  
Rice Farmers ◽  
Significant Difference ◽  
Planting Season ◽  
Average Average

This study aims to understand the role of the SLPHT program in increasing farmers' knowledge and for the analysis of income and rice income in farmers collecting SLPHT with non-SLPHT farmers in North Labuhanbatu Regency. The study used a survey method and was carried out in North Labuhanbatu Regency for 3 (three) months, starting in April 2016 until June 2016. The number of research samples were 150 lowland rice farmers analyzed using statistics using average difference analysis (T test analysis) using SPPS software version 19. Results of research conducted with farmers who developed SLPHT, lowland rice, average prices average of 4,74 tons / hectare / planting season (tons / ha / MT). There is no significant difference in production and income between farmers collecting SLPHT and non-SLPHT. However, there is a difference in production between 500 Kilograms / Ha / MT. Regional related to farmers. SLPHT has a higher paddy production of 500 kg / ha / MT. The results of statistical analysis, average, average, income, farmers, SLPHT, much greater Rp. 1,060,113 from non-SLPHT farmers. The results of this study also found that the SLPHT program could broaden farmers' perspectives in agriculture.

scholarly journals Mentődolgozók és mentőtiszthallgatók halállal és haldoklással kapcsolatos attitűdjének összehasonlító vizsgálata

2015 ◽  
Vol 156 (40) ◽  
pp. 1618-1624
Author(s):  
Emese Pék ◽  
Zoltán Székely-Benke ◽  
József Betlehem ◽  
Noémi Fullér
Keyword(s):  
Statistical Tests ◽  
Death And Dying ◽  
Daily Basis ◽  
Care Staff ◽  
Fear Of Death ◽  
Survey Method ◽  
Ambulance Personnel ◽  
Cross Sectional ◽  
Test Analysis ◽  
Significant Difference

Introduction: The emergency care staff witness the experience of dying and death on a daily basis. Aim: The aim of the study was to evaluate and compare the current and future ambulance personnel’s fear of death and its influencing factors. Method: Quantitative, cross-sectional comparative study was conducted including 106 participants (active rescue ambulance personnel, n = 45 persons; paramedic students, n = 61). A voluntary, anonymous questionnaire survey method (the Neimeyer–Moore Multidimensional Fear of Death Scale) was used for data collection. The data were analyzed using descriptive and mathematical statistical tests (T-test, analysis of variance). Results: The students had a greater fear in the “Fear for Significant Others” factor (p = 0.001). Students showed stronger fear who lived in cities, had higher educational qualifications, who where women (p = 0.036), singles (p = 0.046), those who have not seen a dying person (p = 0.017) and those who were never witnessed death. Greater fear characterized the ambulance personnel who were village residents, those living in a partnership (p = 0.027), those with lower educational level (p = 0.041) and those who had been working for a longer time. Conclusions: There is no significant difference between the levels of fear of death of the present and future ambulance personnel. However, the practice-oriented education is very important and, training associated with death and dying should be integrated in the educational schedules of the paramedic students. Orv. Hetil., 2015, 156(40), 1618–1624.

scholarly journals Peranan Jantina terhadap Amalan Penggunaan Air Secara Lestari: Kajian Kes dalam Kalangan Pelajar Tingkatan Empat di Daerah Kinta Utara Perak, Malaysia

2019 ◽  
Vol 11 (2) ◽  
Author(s):  
Uma Mariapan ◽  
Hanifah Mahat ◽  
Nasir Nayan
Keyword(s):  
Female Students ◽  
T Test ◽  
Survey Method ◽  
Water Usage ◽  
Test Analysis ◽  
Male And Female ◽  
Attitudes And Practices ◽  
Significant Difference ◽  
Inferential Analysis ◽  
Sustainable Usage

This study aims to analyse the water usage practices difference based on gender among Form Four students in Northern Kinta district, Perak. This study used quantitative (survey) method and involved a sample of 420 students who are selected using a stratified random sampling method from thirteen schools. The data were collected through a questionnaire which focuses on the five aspects of the variables namely knowledge, values, skills, attitudes and practices of sustainable usage of water. Inferential analysis (t-test) is used to answer the objective of the study. The findings of the t-te`st analysis show that there is no significant difference in terms of knowledge, values, skills and practices of sustainable usage of water based on students’ gender. Furthermore, the t-test analysis showed that there was a significant difference in the attitude of water consumption between male and female students. This shows that there is no difference in the practice of water usage among students based on gender. Nevertheless, aspects of attitudes need to be addressed so that male and female students are always positive towards water saving practices in order to achieve sustainable water management.

scholarly journals The Study of Relationship between Internet Addictions and Aggression among Teenagers

2017 ◽  
Vol 3 (4) ◽  
pp. 7-13
Author(s):  
Raja Ahmed Jamil ◽  
Bibi Asma Khatoon ◽  
Andleeb Akhtar ◽  
Assad Rahman
Keyword(s):  
Psychometric Properties ◽  
Internet Addiction ◽  
Predictor Variable ◽  
Outcome Variable ◽  
Test Analysis ◽  
Significant Difference ◽  
Males And Females ◽  
Level Of Significance ◽  
The Relationship ◽  
Positive Effect

The study was designed to investigate the relationship between internet addiction and aggression and to establish the psychometric properties of the scales. A standardized questionnaire was used to collect information about level of internet addiction and aggression among teenagers. To establish the psychometric properties, sample (n=200, having age 15-19 years) was selected from different schools and colleges of Haripur city. The results of research showed that the predictor variable internet addiction (β=.88) had a very high significant positive effect on outcome variable aggression with the level of significance p≤.000. The t-Test analysis showed significant difference between males and females on both variables.

scholarly journals The Effects of Specific Stretching Exercises on Flexibility and Balance Parameters in Gymnastics

2019 ◽  
Vol 8 (5) ◽  
pp. 136
Author(s):  
Ömer Özer ◽  
Recep Soslu
Keyword(s):  
Training Programs ◽  
Preliminary Test ◽  
Female Students ◽  
Test Analysis ◽  
Significant Difference ◽  
Post Test ◽  
The Difference ◽  
Flexibility Parameters ◽  
Positive Effect ◽  
Stretching Exercises

This study was planned to examine the effect of Gymnastics-specific stretching exercises on flexibility and balance parameters. A total of 28 (16 males, 12 females) volunteer students were involved in the study, who were educated at the School of Physical Education and Sports. For 12 Weeks, 2 days a week and 90 min. stretching exercises specific to the gymnastics branch were applied and flexibility (sit-lie down) and Y balance tests were applied before the study. Anova test analysis was used to determine the difference between pre-test and post-test. Although the SA (right foot anterior), SPL (right foot posterolateral), SPM (right foot posteromedial), SLA (left foot anterior), SLPL (left foot posterolateral), SLPM (left foot posteromedial) scores of male and female students in the study showed a positive increase compared to the preliminary test scores, there was no statistically significant difference (p &gt; .05). As a result, gymnastic branch-specific stretching exercises increase the balance and flexibility parameters in a positive way; it is thought that the longer duration of training programs will have a positive effect on the athlete&rsquo;s performance.

PENGARUH EARNINGS PER SHARE, NET PROFIT MARGIN, DEBT TO EQUITY RATIO TERHADAP HARGA SAHAM

Equity ◽  
2015 ◽  
Vol 18 (1) ◽  
pp. 39
Author(s):  
Taufan Septiawan ◽  
Erna Hernawati
Keyword(s):  
Stock Price ◽  
Stock Exchange ◽  
Hypothesis Test ◽  
Sampling Technique ◽  
Profit Margin ◽  
Manufacturing Companies ◽  
Earnings Per Share ◽  
Net Profit ◽  
Equity Ratio ◽  
Positive Effect

This study was conducted to examine the effect of Earnings Per Share, Net Profit Margin, Debt to Equity Ratio toward Stock Price on manufacturing companies in Indonesia Stock Exchange during the years 2009-2012. The population consists of 36 companies and are used as a sample of 17  ompanies. Sampling technique using purposive sampling method. Data were tested by using multiple regression analysis and hypothesis test with 5% level of confidence. The research results that the variables Earnings Per Share (EPS) and Net Profit Margin (NPM) gives significantly positive effect on Stock Price. The other variables Debt to Equity Ratio is not significantly to Stock Price. We suggest for investors in Indonesia Stock Exchange that paying attention other factors that regards Stock Price because with those information they can make the best decision for their investments

ANALISIS KINERJA KEUANGAN PERUSAHAAN PROPERTI YANG TERDAFTAR DI BEI SEBELUM DAN SESUDAH KEBIJAKAN LOAN TO VALUE

2019 ◽  
Vol 4 (1) ◽  
pp. 79-90
Author(s):  
Ghaniy Ridha Prima ◽  
Hermanto Siregar ◽  
Ferry Syarifuddin
Keyword(s):  
Real Estate ◽  
Financial Performance ◽  
Stock Exchange ◽  
Sample Selection ◽  
Test Analysis ◽  
Asset Return ◽  
Return On Equity ◽  
Analysis Technique ◽  
Significant Difference ◽  
Before And After

The purpose of this study is to provide empirical evidence of the effects of the Loan to Value (LTV) policy on the financial performance of property and real estate companies listed on the Indonesia Stock Exchange (IDX). The sample selection uses a purposive sampling method of 42 property and real estate companies that meet the criteria. The research period is divided into 2 namely before the Loan to Value policy (2013-2014) and after the Loan to Value policy (2016-2017) with the Paired Sample t Test analysis technique. The test results show if the current ratio, Return on Asset, Return on Equity and Debt to Asset have significant differences between before and after the LTV policy is applied. While the fast ratio, cash ratio, net profit margin and Debt to Equity did not show a significant difference. Keywords: Financial Performance, Loan to Value, Property and Real Estate, Profitability Ratio, Liquidity Ratio, Solvability Ratio.

P-Removal in Completely Mixed Systems

1985 ◽  
Vol 17 (11-12) ◽  
pp. 325-326 ◽  
Author(s):  
H J. G. W. Donker ◽  
P. Opic ◽  
H. P. de Vries
Keyword(s):  
Mixed System ◽  
Domestic Waste ◽  
Recirculation Flow ◽  
Start Up ◽  
Significant Difference ◽  
Aerobic Reactor ◽  
The Difference ◽  
Positive Effect ◽  
Mixed Systems ◽  
P Removal

Ca. 60 % of the Dutch activated sludge plants consist of completely mixed systems, experiments have been carried out in completely mixed pilot plants to study the biological P-removal. The research was carried out in two pilot plants. The pilot plants consisted of: anaerobic reactor, anoxic reactor, aerobic reactor and a clarifier. All the reactors were completely mixed. Both plants were fed with settled domestic waste water at a sludge loading of 400 and 250 g COD/kg sludge.day respectively. The results are given below:sludge loading (g COD/kg sludge.day)400400250ratio Anaerobic : Anoxic : Aerobic1: 1:2,71:1:4,11:1:2,7P-removal (%)802875N-removal (%)505065COD-removal (%)858585 It has been shown that there is no significant difference between the results at the two different sludge loadings. Remarkable is the difference between the ratio 1:1:2,7 in combination with the internal recirculation flow anoxic-anaerobic of 160 % and the ratio 1:1:4,1 with a recirculation flow of 30 %. During the start-up at a sludge loading of 250 g COD/kg sludge.day and an internal recirculation flow of 30 %, bulking sludge developed almost immediately. The Premoval was completely disturbed. Increasing the internal recirculation flow to 160% had a positive effect on settling properties and P-removal. This investigation has pointed out that a completely mixed system is suitable for biological P-removal, without negatively affecting the nitrification. Important factors in the process are the ratio anaerobic:anoxic:aerobic and the recirculation flows.

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