scholarly journals Rural Microcredit: Evidences From Albania

2016 ◽  
Vol 12 (10) ◽  
pp. 104 ◽  
Author(s):  
Egerta Marku
Keyword(s):  
Rural Area ◽  
Rural Areas ◽  
Poverty Alleviation ◽  
Financial Sector ◽  
Sustainable Livelihood ◽  
Microfinance Institutions ◽  
Rural People ◽  
Rural Credit ◽  
Enhancing Production ◽  
The Needy

The purpose of this paper is to analyse the issues and concerns of Albanian rural credit, which is a powerful tool for enhancing production and productivity and for poverty alleviation. Further it highlights some of the strategies adopted by the Albanian government to increase the rural credit facilities in the rural area of Albania. The various problems faced by the farmers in applying for loans are analysed in detail. Rural credits serve as a tool for providing a sustainable livelihood for people who lives in these areas. Several organisations and Microfinance Institutions,. are playing a major role in providing rural credit facilities to rural Albania. to make the rural credit facilities available to most of the needy. In spite of several efforts put up by various organisations to increase the rural credit facilities, several challenges will prevail in the years to come.These aspects of the financial sector remain undervalued in mainstream literature on rural credit. With Albania being a nation in which more than 40 percent of people live in rural areas and rural credit being a powerful, and the only, tool for rural people in providing a means of livelihood, its importance and potential should be known to each individual.

An Assessment of Poverty Alleviation Measures and Sustainable Livelihood Capability of Farm Households in Rural China: A Sustainable Livelihood Approach

Agriculture ◽  
2021 ◽  
Vol 11 (12) ◽  
pp. 1230
Author(s):  
Fang Su ◽  
Nini Song ◽  
Nannan Ma ◽  
Altynbek Sultanalive ◽  
Jing Ma ◽  
...  
Keyword(s):  
Rural Areas ◽  
Poverty Alleviation ◽  
Shaanxi Province ◽  
Theoretical Research ◽  
Farm Households ◽  
Sustainable Livelihood ◽  
Absolute Poverty ◽  
Mountain Area ◽  
Sustainable Livelihood Approach ◽  
The Impact

This paper aims to identify effective mechanisms for government poverty alleviation measures based on the livelihood sustainability of farm households in Southern Shaanxi province, China. The paper utilizes data from 414 farm households, collected through field observations and in-depth interviews in 24 rural communes in Qinba Mountain Area of Shaanxi province, China. Using theoretical research methods and employing the sustainable livelihood approach (SLA) framework, this paper analyzes poverty alleviation measures as well as the impact of varied capital availability on sustainable livelihood. The study shows that developing local industries and governmental financial support improve the sustainable livelihood of farmers and eradicate absolute poverty. The findings of this study further indicate that there is a positive correlation between poverty alleviation measures and natural and social capital for sustainable livelihood. The paper provides empirical and quantitative evidence on alleviation of poverty, and the findings will help improve the sustainability of livelihood capability of farming households. This study suggests impactful approaches to stabilizing mechanisms for poverty alleviation in rural areas over the longer term.

scholarly journals Thoughts on the Construction of Beautiful Villages with Poverty Alleviation in the Perspective

2020 ◽  
Vol 2 (1) ◽  
Author(s):  
Yanxue Li ◽  
Zhu Shu ◽  
Dawei Xu
Keyword(s):  
Sustainable Development ◽  
Rural Area ◽  
Rural Areas ◽  
Poverty Alleviation ◽  
Chinese Government ◽  
Government Institutions ◽  
Rural Revitalization ◽  
National Congress ◽  
The Village ◽  
The Relationship

 Accurate poverty alleviation has become an important task in implementing the rural revitalization strategy. Since the 19th CPC National Congress, Chinese government institutions have been striving to take measures to lift poor rural areas out of poverty. This essay takes Tailai district as the blueprint to start the research on precision poverty alleviation, explores and discusses the construction of beautiful villages, proposes strategies for sustainable development, makes people change concepts to coordinate the relationship between interests and concepts. It also points out the target that using the industry as a guide, using technology to alleviate poverty and make the village vibrant. Therefore, the endogenous power will be derived from the roots, and the agriculture, farmer and rural area will be fed back, in order to provide a reference for the Construction of Beautiful Villages in Heilongjiang.

scholarly journals Dimensions of Women Empowerment Through Microfinance

2021 ◽  
Vol 5 (9) ◽  
pp. 41-43
Author(s):  
Rejoice Solomon* ◽  
Ranu Sharma
Keyword(s):  
Rural Women ◽  
Financial Services ◽  
Crucial Role ◽  
Poverty Alleviation ◽  
Women Empowerment ◽  
Microfinance Institutions ◽  
Self Help ◽  
Economic Background ◽  
The Needy ◽  
Self Help Group

Microfinance institutions’ plays a crucial role for the upliftment of rural women. Women are the key of a nation development. So in order to attain the development of a nation there is need to empower the women of our nation. Microfinance institutions have always seen as a tool of poverty alleviation as they provide the facility of financial services to the needy and the weaker section of the society without any collateral security. And it proved itself as a tool of poverty alleviation. Thus it also a vaccine for women empowerment. Empowerment of women can be done with the help of Self-Help-Group. Where 10-12 women form a group with same socio-economic background and they were trained, educated so they may uplift their family, their society and ultimately the nation as whole. The objective of this paper is to understand the different dimension of women empowerment with the help of microfinance. And from the study it was seen women should be psychologically, economically and Socially Empowered and it all comes with the help of microfinance. And microfinance proved that it a vaccine for the empowerment of women.

The Impact of Movement Control Order on Rural Livelihood in Malaysia

2021 ◽  
Vol 6 (2) ◽  
pp. 55
Author(s):  
Mohd Azren Hassan ◽  
Nur Atiqah Anuar Zabidi ◽  
Hidayati Ramli ◽  
Adam Aruldewan S. Muthuveeran ◽  
Yusfida Ayu Abdullah
Keyword(s):  
Rural Area ◽  
Rural Areas ◽  
Government Intervention ◽  
Movement Control ◽  
Financial Assets ◽  
Sustainable Livelihood ◽  
Substantial Impact ◽  
The Government ◽  
Control Order ◽  
The Impact

In 2020, the spread of Coronavirus (COVID-19) had a global impact on normal daily life. The Government of Malaysia officially declared the Movement Control Order (MCO), an official national lockdown, to reduce the virus’s spread. In the face of the unprecedented global health pandemic, Malaysia had struggled to protect its citizens’ welfare and livelihoods, particularly in the hardest-hit rural areas. Therefore, this study uses the sustainable livelihood approach (SLA) focusing on the aspect of financial assets and government intervention to enhance understanding on the vulnerability in rural area’s livelihood. Pasir Puteh, Kelantan was identified as the rural area for this study. The analysis was performed on a questionnaire survey based on convenience sampling of 62 respondents. Cross table analysis and a correlation test were used to examine the livelihood of the rural area concerning the financial assets, government intervention and vulnerability. The findings indicated that the MCO had a substantial impact on the rural area regarding the vulnerability toward the financial assets, such as employment status, job loss, increasing living costs, and an insufficient response to rural economic challenges. At the same time, there is no substantial government intervention in the welfare of rural areas. According to the results, the study concluded that the government should set up training courses to assist in the long-term recovery of rural areas due to the enforced lockdown, which has adversely affected rural livelihoods.

scholarly journals Financial Appraisal of RRBs: Evidence from Eastern Uttar Pradesh

2020 ◽  
Vol 8 (6) ◽  
pp. 903-912
Keyword(s):  
Rural Areas ◽  
Financial Support ◽  
Uttar Pradesh ◽  
Rural People ◽  
Rural Credit ◽  
Agriculture Sector ◽  
Credit Supply ◽  
Financial Appraisal ◽  
Financial Credit ◽  
Eastern Uttar Pradesh

India’s major population lives in rural area and adequate financial credit supply are much needed for speedy economic development of this region. Regional Rural Banks (RRBs) was established with the objective to provide financial support in rural areas. RRBs have been working as an economic agent and disbursing loan to the rural people since its inception. RRBs have performed to a great extent in terms of rural credit disbursement but Non Performing Assets (NPA) has become a key trouble. For the last few years RRBs have been facing a primary challenge of mounting NPAs, which is clogging the smooth credit supply in the rural areas. The present study aims to analyze the loan disbursement towards agriculture sector, overdue and NPAs of RRBs working in Eastern Uttar Pradesh.

scholarly journals Microfinance Institutions and Empowerment of Women in Rural Area: A Case in Tangerang

2017 ◽  
Vol 6 (1) ◽  
pp. 69-86
Author(s):  
Mukhaer Pakkana ◽  
Lincolin Arsyad
Keyword(s):  
Rural Area ◽  
Rural Areas ◽  
Coastal Area ◽  
Industrial Area ◽  
Coastal Areas ◽  
Agricultural Area ◽  
Microfinance Institutions ◽  
Chi Square ◽  
Financial Independence ◽  
Group Basis

The purpose of this study is to discover the performance of the financial independence, the members’ welfare, and accessibility of microfinance institutions to the rural areas in the Tangerang District. To measure the financial dependence is using financial ratios. Measuring levels of performance of the members’ welfare and accessibility using Chi-Square. The results found that, first, the level of welfare of members. The coastal areas have a higher loan value than other regions. Expenditure and income of members, industrial areas have high levels of spending and revenues higher than other regions. The performance of a range to members based on a group basis. Second, the performance of financial independence, categorized as "Healthy". The coastal area is 86.40, the area around the industrial area is 85.71 and agricultural area is 83,73. Third, the level of non-performing loans, the coastal area is 0.03, the industrial area is 0,26, and the agricultural area is 0.19.DOI:  10.15408/sjie.v6i1.4637 

scholarly journals ICT in Rural Development : Application and Challenges - A Review

2021 ◽  
pp. 464-472
Author(s):  
Aditi Rajesh Nimodiya ◽  
Shruti Sunil Ajankar
Keyword(s):  
Rural Area ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
Rural Areas ◽  
Vital Role ◽  
Rural People ◽  
Rural Sector ◽  
Information And Communication ◽  
Tremendous Impact ◽  
Development Application

ICT stands for Information and Communication Technology. ICT plays a vital role in developing the rural area in various sector, it has helped to develop the rural sector in tremendous way. It is used in rural area for the growth of various field like education, agriculture, medical treatment and many other. However due to lack of growth and awareness about ICT among the rural people the process of development is very less, still it has a tremendous impact in the growth of rural area. The rural people need to know the importance of ICT for the faster improvement of rural sector this will also help ICT to work more efficiently. This paper mainly focused the different application of ICT in various sector to improve the condition of rural area and the challenges faced by ICT to develop rural areas.

scholarly journals Think Beyond 4 Ps.

2010 ◽  
Vol 9 (1) ◽  
pp. 26-36
Author(s):  
Supriya Jha
Keyword(s):  
Rural Area ◽  
Brand Equity ◽  
Rural Areas ◽  
Consumer Demand ◽  
Disposable Income ◽  
Price Sensitivity ◽  
Rural People ◽  
Rural Market ◽  
Demand Pull ◽  
Low Rate

[The Indian established Industries have the advantages, which MNC don't enjoy in this regard. The strong Indian brands have strong brand equity, consumer demand-pull and efficient and dedicated dealer network which have been created over a period of time. The rural market has a grip of strong country shops, which affect the sale of various products in rural market. The companies are trying to trigger growth in rural areas. They are identifying the fact that rural people are now in the better position with disposable income. The low rate finance availability has also increased the affordability of purchasing the costly products by the rural people. Marketer should understand the price sensitivity of a consumer in a rural area. This paper is therefore an attempt to understand the rural market.

Microfinancial inclusion nexus poverty alleviation: the case of Nigeria

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Chi Aloysius Ngong ◽  
Kesuh Jude Thaddeus ◽  
Josaphat Uchechukwu Joe Onwumere
Keyword(s):  
Money Supply ◽  
Commercial Bank ◽  
Rural Areas ◽  
Poverty Alleviation ◽  
Poverty Reduction ◽  
Microfinance Institutions ◽  
Content Type ◽  
Bank Branches ◽  
The Poor ◽  
Long Run

PurposeThis research examines the long-run relationship between microfinancial inclusion and poverty alleviation in Nigeria from 1990 to 2018.Design/methodology/approachthe Engle–Granger two-step co-integration and autoregressive distributed lag (ARDL) techniques. Gross domestic product (GDP) per capita proxies poverty reduction. Number of microfinance banks, borrowers of microfinance institutions, commercial bank branches, commercial bank loan to small-scale businesses and broad money supply ratio measure microfinancial inclusion.FindingsThe results indicate a long-run relationship between microfinancial inclusion and poverty reduction. The error correction model reveals that microfinancial inclusion and poverty alleviation converge to long-run equilibrium. The number of microfinance banks, lagged value of borrowed funds and broad money supply negatively influences poverty while the lagged values of number of microfinance banks and broad money supply positively influence poverty.Research limitations/implicationsEffective ways to improve microcredit channels and liquidity flow to the poor through a microfinance bank's intermediation should be promoted by the Central Bank of Nigeria (CBN) using an aggressive policy, which provides access to credit to the poor.Practical implicationsTheoretically, microfinance institutions should increase credit to the poor, especially in rural areas at moderate cost. This study further suggests that many microfinance bank branches should be located in urban and rural areas targeting the poor.Social implicationsMicrofinancial inclusion reduces population's poverty in Nigeria and globally.Originality/valueContrary to other studies, this paper utilizes number of microfinance institutions and borrowers of microfinance institutions to examine the relationship between microfinancial inclusion and poverty alleviation in Nigeria.

scholarly journals The Role Of Local Loan Institution In Providing Safety Net In Rural Area

2018 ◽  
Vol 2 (1) ◽  
pp. 1-6
Author(s):  
Yogaprasta Adi Nugraha ◽  
Mariana R. A. Siregar
Keyword(s):  
Rural Area ◽  
Rural Areas ◽  
Urban Poverty ◽  
Rural Poverty ◽  
Poverty Line ◽  
Safety Net ◽  
Poor People ◽  
Rural Poor ◽  
Rural People

Rural area cannot be separated with poverty, according to Statistics Center Board (BPS), there are 18 milions rural people live below poverty line. Rural poverty has become many focus in development studies. There is a siginificant difference between rural poverty and urban poverty. Poor society in urban area are more vulnurable compared to poor society in rural area. In rural area, poor people tends to have informal social security that helps them to survive. This research aimed to determine the role of loan institution in providing social safety net for rural poor. Qualitative method was used to help us to have a better understanding about the debt institution in rural areas. This research found that rural poor have several alternatives source of debt that enable them to survive in a vulnerable situation. Most of people tend to see for a realistic loan institution with low interest (without interest is more preferable), low risk in returning the debt and fast in providing the money.

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