Download or read book Client Satisfaction in Faith Based Microfinance written by Najmul Hoda and published by . This book was released on 2015 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: The main purpose of this paper is to compare the client satisfaction of faith-based and mainstream microfinance institutions. The level of satisfaction is considered on eight independent factors identified through literature survey and experts' opinion. The data-set comprised of a total of 300 microfinance clients - 150 from faith-based microfinance institutions and 150 from the mainstream microfinance institutions. The data was collected through a structured questionnaire comprising of agreement disagreement on 5-point Likert scale. Independent sample t-test was employed to determine if any significant difference exists in the satisfaction level of clients in the two models of microfinance. The results indicate that there is no significant difference among the two groups on the variables reasonability of interest rates (p=0.49), loan procedure (p=0.13), technical assistance (p = 0.822), and branch location (p = 0.36). However, there are significant differences in the two groups on the variables clients repayment policy (p=0.0001), timely availability of loan (p=0.0001), non-discrimination (p = 0.0001) and supportive staff (p = 0.005). The mean values suggest that the clients of faith-based microfinance institutions are more satisfied on these variables. The recent reports on microfinance suggest that the mainstream microfinance programs and policies that were developed for delivering the benefits of financial inclusion and poverty alleviation neglected the client perspective. The results of this study should be of significance to policy makers who are considering various alternatives to attain the goals of poverty alleviation stipulated in the Millennium Development Goals. The paper contributes to the limited empirical studies available on client satisfaction as well as the faith-based model of microfinance.
Download or read book Faith based Microfinance An Alternative Tool of Poverty Alleviation written by Najmul Hoda and published by GRIN Verlag. This book was released on 2018-07-26 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: Doctoral Thesis / Dissertation from the year 2013 in the subject Sociology - Work, Profession, Education, Organisation, grade: A, , course: PhD, language: English, abstract: The poor, like others, too need financial products and services in order to build assets, manage consumption and mitigate risks. Microfinance, in recent times, has emerged as a powerful tool to provide access to some financial services to the poor. For decades, poverty alleviation has topped the International development agenda. United Nations Millennium Goals state that by 2015 the number of people living in extreme poverty should be half of what it was in 2000. Microfinance addresses the twin goals of financial inclusion and poverty alleviation in a way that builds self-esteem in the individual and self-sufficiency in the institution providing the financial services. Different models have emerged in microfinance delivery based on their clientele, focus area, interest rate, savings linkages, collateral, coverage and organizational/legal structure. With all the successes of the existing microfinance models, the herculean task of poverty alleviation still leaves enough space for innovative models. This study explores the potential of faith-based microfinance in complimenting the efforts of poverty alleviation and also overcoming the weaknesses in the existing models. Faith-based microfinance operate on distinct principles. The purpose of this study is to focus on the functioning of the faith based microfinance and to explore its role as an alternative tool of poverty alleviation. In order to get a meaningful insight regarding the impact of faith based microfinance on the lives of the beneficiaries, it is necessary that a comparison is made to the mainstream microfinance on commonly accepted parameters of poverty alleviation.
Download or read book Multidisciplinary Approach to Entrepreneurship Education for Migrants written by Mosquera, Selma and published by IGI Global. This book was released on 2020-03-06 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: Interest in the field of entrepreneurship is at an all-time high; coincidentally, migration is increasingly changing the landscape of employment. Many migrants find themselves facing challenges that entrepreneurial skills can help overcome. However, little remains explored within adult migrant education, especially within enterprises. Multidisciplinary Approach to Entrepreneurship Education for Migrants is a pivotal reference source that examines the most effective methods for teaching migrants vital venture capital skills and ensuring they have the tools necessary for leading business ventures. The book contributes to the development of literature and practices in areas related to both migrant entrepreneurship and entrepreneurial education by presenting conceptual approaches, methods, and educational perspectives that go beyond pedagogy to involve andragogy and heutagogy. Highlighting such topics as local development, self-employment, and teaching-learning methodologies, it is ideally designed for entrepreneurs, educators, trainers, human resources professionals, policymakers, government officials, researchers, academicians, and students.
Download or read book Loan Portfolio of a Faith Based Microfinance Institution written by Najmul Hoda and published by . This book was released on 2014 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: An effective tool of economic development is found in microfinance and is believed to provide sustainable mechanism for poverty alleviation. The microfinance institutions across the world operate on a few established models. The studies indicate that the microfinance institutions have been able to make a considerable impact in the areas of financial inclusion and poverty alleviation. However, the industry also needs innovative models and products to attain the targets set under the Millennium Development Goals. In addition to this, there is a need for client-centered models in order to overcome the problems of client dissatisfaction and loan defaults that have been reported in the recent past. This study focuses on the faith-based model of microfinance that differs from mainstream microfinance basically in terms of the underlying values. Faith-based organizations have a long history of participation in the areas of human development. Apart from charity-based lending, many such organizations are also functioning as microfinance institutions that are successfully delivering financial services to the poor. There is a need to study the procedures and performance of these institutions in order to ascertain their distinctive features and potential. Along with other indicators like outreach, impact, and financial sustainability, loan portfolio of a microfinance institution is also a good indicator of sustainability and throws light upon other important features. The main objective of this study is to understand the loan portfolio of faith-based microfinance institutions. A sample of 100 loan clients was purposively selected from one faith-based microfinance institution. This microfinance institution was selected from the list of faith based institutions generated after the literature review. The factors studied were the loan repayment cycles, general demographics and, the relationship between various factors involved in loan repayment. The study also tries to understand if such institutions have any discriminatory lending policies towards clients of other faith.
Download or read book Handbook of Research on the Interplay Between Service Quality and Customer Delight written by Sarma, Sarmistha and published by IGI Global. This book was released on 2023-01-31 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research in the field of service quality and consumer behavior has developed in many dimensions in the past decade. A number of models have been developed to determine the factors leading to satisfaction; however, within the past few years, scholars have proved that satisfaction is not sufficient to leave a strong mark in the minds of the customers. Service quality and customer delight have been the buzzwords in the business world in recent times as scholars have proven that customer delight is the key to customer retention. The Handbook of Research on the Interplay Between Service Quality and Customer Delight considers how companies around the world in a cross-cultural environment are dealing with service quality and customer delight and proposes a global outlook on the current trends, tactics, and opportunities. Covering key topics such as buyer funnels, consumer dissonance, and digital solutions, this reference work is ideal for business owners, managers, industry professionals, researchers, scholars, practitioners, academicians, instructors, and students.
Download or read book Mission Drift written by Oddvar Sten Ronsen and published by Langham Publishing. This book was released on 2016-02-14 with total page 129 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Lausanne congress of 1974 marked the widespread adoption of integral mission as essential to the evangelical witness of Christ in our world. Ever since there has been ongoing debate as to the roles of evangelism and social action. In this book Oddvar Sten Ronsen argues that instead of the priority of evangelism over social action there should be the anticipation of evangelism as a result of social action. Although evangelism and social action may not occur at the same time, the author warns of the possibility of “mission drift,” where projects begin with the intention of meeting the social and spiritual needs of the people, but fail to proceed to evangelism. In succumbing to this mission drift, projects cease to be true to the principles of integral mission. Combining theological reflection with case studies of microfinance enterprises in the Philippines and Thailand, Ronsen evaluates the sustainability of, and social good delivered by, these Christian projects to the communities they serve. The research sheds light on the causes of a drift from integral mission, how these can be managed and whether microfinance can be a bridge for the gospel.
Download or read book Microfinance written by Soumitra Sarkar and published by Readworthy. This book was released on 2011 with total page 378 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance is a useful tool for reducing poverty and building the capacity of the poor in management of sustainable self-employment, by way of providing financial services like credit, saving, housing consumption credit, insurance cover, etc. This book takes a holistic view of the various aspects of the microfinance programmes as adopted under Swarnajayanti Gram Swarozgar Yojana (SGSY) in India, with special reference to the state of West Bengal. Critically examining how SGSY operates in relation to funding the programme, bank linkage system, training and capacity building of beneficiaries, thrift, credit and governance systems of SHGs, marketing of SHG products, role of bankers and NGOs, and the perceptions of the beneficiaries. It also analyses the impact of the SGSY programmes on the socio-economic empowerment of SHG members.
Download or read book Faith and Finance written by William Zimmerman and published by . This book was released on 2013-08-30 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Download or read book ICEBE 2023 written by Ernie Hendrawaty and published by European Alliance for Innovation. This book was released on 2023-12-12 with total page 713 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 6th International Economics, Business, and Entrepreneurship Conference was held on September 13-14, 2023, in Lampung, Indonesia. Our theme was "Echoing the Financial and Digital Transformation to Support Inclusive Economic Growth". The process of selecting articles uses a double-blind review to ensure the quality of the papers. Reviewers were not allowed to know the authors' identities. The reviewers come from Indonesia, Malaysia, Turkey, and the Philippines. The contributions of the ICEBE conference to academia and society are as follows: provide knowledge and skills to participants on how to do quality research and community service; provide knowledge and skills to participants on how to publish research and community service results in reputable international journal publications; disseminate the research and community service results that the participants have carried out; review the latest research issues in economics and business, especially those related to sustainable development.
Download or read book The Essential Microfinance written by A Ramesh Kumar and published by Notion Press. This book was released on with total page 608 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book is an exhaustive handbook on microfinance covering more than 600 concepts and ideas .Since poverty alleviation remains a top agenda for development programs and microfinance has proved the most effective approach for combating it, there was a growing demand among students, academics, journalists, bankers and general readers for a handy companion on microfinance. The text examines what has become a vast global industry employing hundreds of thousands of people and attracting the attention of large numbers of governments, banks, aid agencies, non-governmental organizations and consultancy firms. In this book the authors try to help students, who are relatively new to microfinance, practitioners looking for an entry point into the vast academic literature, and policy makers to become acquainted with the main ideas and debates about microfinance. The main objective of the book is to equip the reader with sound understanding of the various concepts in microfinance and their relevance to contemporary financial programmes so that the user is in a position to process business proposals in microfinance. "
Download or read book The Microfinance Revolution written by Marguerite S. Robinson and published by World Bank Publications. This book was released on 2001 with total page 524 pages. Available in PDF, EPUB and Kindle. Book excerpt: ??? ... Microfinance is the method whereby financial services and credit is made available to the economically active but low income people of developiong countries. This book focusses on three key aspects of the phenomenon: 1) the shift from government- and donor-subsidized credit delivery systems to self-sufficient, sustainable microfinance institutions; 2) the results on the ground, on the way in which microfinance is helps people expand and diversify their enterprises, increase their incomes, raise their living standards and those of theri families, and boost their self-confidence; 3) the theroretical frameworks that had previously impeded the microfinance revolution, with suggestions for their improvement.
Download or read book Understanding the role of bank relationships relationships marketing and organizational learning in the performance of people s written by Hari Sunarto and published by Rozenberg Publishers. This book was released on 2007 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Dilemmas and Challenges in Islamic Finance written by Yasushi Suzuki and published by Routledge. This book was released on 2018-03-09 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: The phenomenal growth of Islamic finance in the last few decades has been accompanied by a host of interesting questions and challenges. One of the critical challenges is how Islamic financial institutions can be motivated to participate in the 'equity-like' profit-and-loss sharing (PLS) contracts. It is observed that Islamic banks are reluctant to participate in the pure PLS scheme which is manifested by the rising concentration of investment on murabaha or mark-up financing. This phenomenon has been the hotbed of academic criticism on the contemporary practice of Islamic banking. This book explains the 'murabaha syndrome' in light of the incentive provided by the current institutional framework and what are the changes required in the governance structure to mend this anomaly.
Download or read book Macroeconomic Factors in Business Management written by Peter Ngwae Nzioka, Linda Faith Otieno, Justine M. Nzyoka, Pauline Mueni Kisuna, Jane W. Kiboi and published by Cari Journals USA LLC. This book was released on 2022-10-07 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: TOPICS IN THE BOOK Firm Orientations and Performance of Hotels in Nairobi County, Kenya Perceptions of Co-Operative Insurance Group Managers towards Strategic Alliances and Competitive Advantage Effect of Organisational Capabilities on Sustainable Competitive Advantage in Audit Firms: A Case Study of Deloitte Limited An Analysis of Competitive Strategies Employed in Microfinance Institutions: A Case of Kenya Women Finance Trust Macroeconomic Determinants of Demand for Air Passenger Transport among Selected Airlines
Download or read book Business Models In Islamic Microfinance written by Abdelrahman Elzahi and published by ISLAMIC RESEARCH AND TRAINING INSTITUTE. This book was released on 2016-12-31 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a compilation of papers presented in a thematic workshop on business models in Islamic microfinance, organized by International Islamic University Islamabad, Islamic Research and Training Institute (IRTI), and Agricultural Bank of Sudan. The objective of the workshop was to discuss specific Islamic microfinance business models and best practices, as well as the most advanced experiences at the international level.
Download or read book Everyday Piety written by Sarah A. Tobin and published by Cornell University Press. This book was released on 2016-02-04 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: Working and living as an authentic Muslim—comporting oneself in an Islamically appropriate way—in the global economy can be very challenging. How do middle-class Muslims living in the Middle East navigate contemporary economic demands in a distinctly Islamic way? What are the impacts of these efforts on their Islamic piety? To what authority does one turn when questions arise? What happens when the answers vary and there is little or no consensus? To answer these questions, Everyday Piety examines the intersection of globalization and Islamic religious life in the city of Amman, Jordan. Drawing on in-depth ethnographic fieldwork in Amman, Sarah A. Tobin demonstrates that Muslims combine their interests in exerting a visible Islam with the opportunities and challenges of advanced capitalism in an urban setting, which ultimately results in the cultivation of a "neoliberal Islamic piety." Neoliberal piety, Tobin contends, is created by both Islamizing economic practices and economizing Islamic piety, and is done in ways that reflect a modern, cosmopolitan style and aesthetic, revealing a keen interest in displays of authenticity on the part of the actors. Tobin highlights sites at which economic life and Islamic virtue intersect: Ramadan, the hijab, Islamic economics, Islamic banking, and consumption. Each case reflects the shift from conditions and contexts of highly regulated and legalized moral behaviors to greater levels of uncertainty and indeterminacy. In its ethnographic richness, this book shows that actors make normative claims of an authentic, real Islam in economic practice and measure them against standards that derive from Islamic law, other sources of knowledge, and the pragmatics of everyday life.
