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Journal articles on the topic 'Micro-Savings'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Timberg, Thomas. "Micro-savings risks and rewards." Small Enterprise Development 5, no. 4 (1994): 52–54. http://dx.doi.org/10.3362/0957-1329.1994.041.

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2

Irawan, Agus Wahyu, and Siti Lailatunnikmah Asfiah. "Analisis Metode SMART Dalam Strategi Segmentasi Pasar (Studi Produk Tabungan Simitra Mikro di Bank Mitra Syariah Kantor Cabang Bojonegoro)." ADILLA : Jurnal Ilmiah Ekonomi Syari'ah 5, no. 1 (2022): 75–98. http://dx.doi.org/10.52166/adilla.v5i1.3050.

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This study aims to analyze the Smart Method on market segmentation strategies in increasing the number of simitra micro savings customers at Bank Mitra Syariah Bojonegoro Branch Office. Products owned by Bank Mitra Syariah include savings and financing products. One of the derivative products from savings products is the Simitra Micro Savings product. Simitra Micro Savings is a superior product owned by Sharia Partner Banks. The targets chosen by the Sharia Partner Bank are market traders. This research uses qualitative research and the analysis used is SMART analysis. This study uses data col

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3

Pina, Gonçalo. "Macro and micro financial liberalizations, savings and growth." Journal of Financial Economic Policy 10, no. 2 (2018): 290–309. http://dx.doi.org/10.1108/jfep-09-2017-0080.

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Purpose This paper aims to empirically and theoretically study the role of domestic savings behind the financial stability and growth effects of different financial liberalizations, when the government is not able to commit to enforce financial contracts. The following liberalizations are considered. Macro financial liberalizations target capital flow and interest rate liberalization, whereas micro financial liberalizations target competition in the financial sector. Simultaneous liberalizations target both micro and macro dimensions. Design/methodology/approach This study theoretically solves

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4

Khandker, Rezaul K., Willard G. Manning, and Tamim Ahmed. "Utilization Review Savings at the Micro Level." Medical Care 30, no. 11 (1992): 1043–52. http://dx.doi.org/10.1097/00005650-199211000-00007.

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5

Barritt, D. "Big savings with 'micro' motor control centres." Computing and Control Engineering 15, no. 5 (2004): 19–23. http://dx.doi.org/10.1049/cce:20040504.

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6

Listiawati, Rodiana. "The Community Dedeication Kampung Pulo geulis, Babakan Pasar, Kota Bogor Business Group Through Coaching And developing Saving and Loan Business Unit Passing Covid-19 Pandemic Time." Jurnal Pemberdayaan Komunitas MH Thamrin 2, no. 2 (2020): 40–48. http://dx.doi.org/10.37012/jpkmht.v2i2.372.

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Abstract The main problem faced by Babakan Pasar Kampung Pulo Geulis exactly in RW IV Bogor City is the difficulty of getting credit for micro business so that they lend to Bank Keliling with high interest. The purpose of this community dedication is to transfer knowledge about the importance of forming saving and loan unit and motivate to develop saving and loan unit that has been established since last year. The method provided to management and members of savings and loan is coaching by means of counseling to them and giving the guidance how to develop savings and loan business unit. They a

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7

Sarkar, A. N., and Jagjit Singh. "Savings-led Micro-finance to Bank the Unbankables." Global Business Review 7, no. 2 (2006): 271–95. http://dx.doi.org/10.1177/097215090600700206.

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8

Sandi, N. M. Ari Meliana Sativa, Jeni Susanti, and I. Dewa Made Mahayana. "Accounting Application on Financial Statements Based on SAK EMKM at Save and Loan Cooperatives in Karangasem Regency." Journal of Applied Sciences in Accounting, Finance, and Tax 5, no. 2 (2022): 166–72. http://dx.doi.org/10.31940/jasafint.v5i2.166-172.

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In 2009 IAI has issued SAK ETAP (Financial Accounting Standards for Entities Without Public Accountability), but in 2018 IAI issued a new policy for entities without public accountability and micro, small and medium income, known as the Financial Accounting Standards for Micro Small and Medium Entities. Savings and loan cooperatives are one of the entities that are classified as micro, small and medium entities because they have complied with Law no. 20 of 2008 about Micro, Small and Medium Enterprises. The research using the Financial Statements of Savings and Loan Cooperatives in Karangasem

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9

Subhash Chand and Prabhat Kishore. "Determinants and Barriers to Micro Irrigation Adoption: Insights from Four Indian States." Indian Journal of Soil Conservation 53, no. 1 (2025): 71–75. https://doi.org/10.53550/ijsc.v53.i1.190.

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This study assesses micro irrigation adoption in four Indian states - Punjab, Maharashtra, Gujarat, and Andhra Pradesh - by comparing regions with different cropping patterns to identify key determinants and barriers. It analyzes micro irrigation adoption experiences across four states, specifically examining districts with high adoption rates. From each district, we selected two villages for a total of 16, surveying 827 individuals, with an equal number of adopters and non-adopters, using stratified random sampling. Findings show substantial increases in yield along with savings in water, ene

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Shaikh, Salman Ahmed. "Incorporating Private Savings Behavior in Product Offerings: A Case Study of Pakistan." Signifikan: Jurnal Ilmu Ekonomi 10, no. 2 (2021): 247–58. http://dx.doi.org/10.15408/sjie.v10i2.20139.

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In order to enhance understanding about the actual savings behaviour and impulses which drive savings behaviour, it is interesting to study the micro foundations of savings behaviour. Collecting micro data through filled questionnaire from households in urban areas, this study identifies the motives of savings and the instruments and channels where the savings are invested in Pakistan. The results reveal that investment motive, higher income and greater frequency of household members joining labor force for earning incomes enhance the monthly savings rate. The results can be used to offer Isla

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11

Sumanasiri, Ayoma, and Prabhavi Chandrarathna. "Micro-Finance as a Triggering Mechanism for Empowering Women’s Entrepreneurship in Sri Lanka." Archives of Business Research 9, no. 2 (2021): 70–86. http://dx.doi.org/10.14738/abr.92.9675.

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The Micro-Finance sector has been identified as one of the main sectors that contributes to the eradication of poverty and to empowering women in developing countries. Women’s Entrepreneurship is considered an emerging trend among nations and contributes to the development of a country. It is also identified as an important means to end poverty and therefore, female empowerment through entrepreneurship has been well recognized. Micro-finance enables women’s entrepreneurial success; however, the context of the urban sector has not been well examined in the literature since most scholars perceiv

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Handayani, Deby, Sudirman Sudirman, and Dedi Mardianto. "Pengaruh Program Simpan Pinjam Kelompok Perempuan Terhadap Peningkatan Ekonomi Usaha Mikro Kecil Kelompok Perempuan Di Kecamatan Padang Sago." Jurnal Penelitian Dan Pengkajian Ilmiah Sosial Budaya 2, no. 1 (2023): 49–53. http://dx.doi.org/10.47233/jppisb.v2i1.683.

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This study aims to determine the effect of the savings and loan program for women 's groups on the economic improvement of women 's micro and small enterprises. This research is quantitative research. The type of data is primary data, the object of this research is the women's savings and loan group (SPP) with 61 respondents. The data collection technique used a questionnaire, while the data analysis method used validity and reliability tests, classical assumptions, simple linear regression analysis, coefficient of determination and t test. The results showed that the savings and loan variable

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13

Santhosh, Kumar.K. "IMPACT OF MICRO CREDIT IN THE DEVELOPMENT OF MICRO ENTERPRISES- A STUDY ON KOTTAYAM DISTRICT, KERALA." International Journal of Marketing & Financial Management, ISSN: 2348 –3954 (Online) ISSN: 2349 –2546 (Print), Volume 5,, Issue 1, Jan-2017, (2017): pp 19–27. https://doi.org/10.5281/zenodo.238937.

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<em>Micro credit has been considering as a powerful tool for eradicating the poverty and improves the standard of living of people especially for those who are excluded from formal financial sector. Micro credit is a very small amount of loan proving to a group of people in order to conduct the Income Generating Activities (IGA) which leads to the profit and increase in savings of the members and ultimately the betterment of standard of living. In Kerala, a </em><em>community</em><em>-based,</em> <em>poverty reduction</em> <em>project of the </em><em>Government, called Kudumbashree, is the maj

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Ada, Ivy Phil-Ugochukwu. "Informal financial savings practices to facilitate formal financial inclusion." World Journal of Advanced Research and Reviews 24, no. 3 (2024): 1970–79. https://doi.org/10.5281/zenodo.15208989.

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This review continues the exploration of the role of informal savings mechanisms, such as the group-based savings system called Ajo or Esusu in the south-west of Nigeria, in promoting financial inclusion in Nigeria, and particularly among women. Ajo/Esusu, which is a traditional form of cooperative savings and lending, is deeply rooted in many African communities and has proven effective in providing a sense of belonging and financial access to individuals excluded from the formal banking sector [31]. According to [1], these informal savings mechanisms have the potential to bridge the financia

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15

BANKS, JAMES, and SARAH TANNER. "Savings and Wealth in the UK: Evidence from Micro-Data." Fiscal Studies 17, no. 2 (1996): 37–64. http://dx.doi.org/10.1111/j.1475-5890.1996.tb00242.x.

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16

Pan, Xuefeng, and Weixing Wu. "Housing returns, precautionary savings and consumption: Micro evidence from China." Journal of Empirical Finance 60 (January 2021): 39–55. http://dx.doi.org/10.1016/j.jempfin.2020.10.006.

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17

Liu, Jing, Heying Zhan, and Fengxian Qiu. "Can Rural Migrant Workers Afford to Retire in China? A Study of Chinese Migrant Worker’s Retirement Savings." Innovation in Aging 5, Supplement_1 (2021): 452–53. http://dx.doi.org/10.1093/geroni/igab046.1753.

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Abstract This paper makes connections between social policies of retirement, migrant worker’s migration experience, and migrant workers’ retirement savings. Using insight from the political economy of aging and stress theory, this paper links the macro levels of understanding with the micro levels of work and aging experiences for migrant workers. Using binary logistic regression with a sample of 699 Chinese migrant workers from three emigration provinces (Anhui, Henan, Sichuan), this paper explores four specific aspects of migrant worker’s migration experience in relation to their retirement

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18

Tharanga, B. B., D. G. S. Abeygunawardane, S. N. R. F. Dias, and B. G. D. N. D. Wijerathne. "Exploring the Post-Covid pathway of microfinance on women’s empowerment." Sri Lankan Journal of Banking and Finance 6, no. 2 (2023): 55–69. http://dx.doi.org/10.4038/sljbf.v6i2.47.

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Having access to microfinance institutions in Sri Lanka, Poor women in the country have opened up to diverse microfinance services and supported them in growing economically while enhancing gender equality, health, level of education, etc. Microfinance institutions provide both financial and non-financial services and it has a significant effect in eradicating poverty and empowering women. With the effect of the COVID-19 crisis, almost all the sectors were severely affected in every aspect and the poor women of the country was one of the key parties. Thus, the primary aim of this study is to e

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19

Asare, Eric, Eduardo Segarra, Nakakeeto Gertrude, and Fafanyo Asiseh. "Explaining the Saving Behavior of Households’ in Ethiopia, Africa." Applied Economics and Finance 5, no. 2 (2018): 143. http://dx.doi.org/10.11114/aef.v5i2.2923.

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Savings have been shown to have a positive impact on economic growth at the macroeconomic level. But, the micro-level analysis of households’ savings behavior is limited, especially in Sub-Saharan African economies. This study contributes to the understanding of the savings behavior of households in Africa, by modeling the savings behavior of households’ in Ethiopia with the two-part model. The results of the study reveal that number of extension contacts and access to market information have significant positive effects on the likelihood that a household would save. Moreover, land holdings (b

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20

Kovach, Steve, Larry Curtis, and Jim Allen. "CHLORINATION TO PREVENT CLOGGING IN MICRO-IRRIGATION SYSTEMS." HortScience 27, no. 11 (1992): 1174b—1174. http://dx.doi.org/10.21273/hortsci.27.11.1174b.

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Irrigating with a micro-irrigation (drip) system offers improved crop quality and yield with significant savings of energy and water. To deliver these benefits reliably, a grower's system must include chlorinations or some other effective water treatment program to prevent clogging, the most common problem of micro-irrigation. Step-by-step procedures of chlorination of micro-irrigation systems are discussed. Injected into micro-irrigation systems, chlorine kills the micro-organisms—bacteria, fungi and algae—that may be in a water source and are the most common system cloggers.

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21

Mokodompit, Nur Eng, and Silvoni Rivai. "ANALISIS PERAN KOPERASI SIMPAN PINJAM TERHADAP USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DI KABUPATEN GORONTALO (STUDI PADA KSP “SURYA” UMG)." JPPE : Jurnal Perencanaan & Pengembangan Ekonomi 4, no. 2 (2021): 85. http://dx.doi.org/10.31314/jppe.v4i2.1394.

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This research aims to: determine and analyze the role of Savings and Loan Cooperatives on Micro, Small and Medium Enterprises (MSMEs) in Gorontalo Regency (Study on KSP "SURYA" UMG). The research method uses a quantitative research approach with quantitative descriptive research. The result show that: 1) The role of the UMG Savings and Loan Cooperative "SURYA" provides enormous benefits to help. The members acknowledged that the existence of cooperatives was very helpful to support the business progress of entrepreneurs. With the existence of cooperatives, members can make loans in an easy way

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22

Nobi, Md. Nur, Md. Arif Billah, Asaduzzaman Shohel, and Tani. "Effectiveness of Islamic Microfinance in Alleviating Poverty: Empirical Evidence from Bangladesh." International Journal of Science and Business 5, no. 4 (2021): 1–10. https://doi.org/10.5281/zenodo.4485794.

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Islamic Micro - finance (IMFc) is an evolving technique to empower the deprived and needy population. The present study was intended to investigate the effect of the IMFc on the resources of individuals borrowing from an Islamic microfinance institution and their poverty status. The prime intention of this paper is to justify the effect of IFMc for poverty alleviation. The study reveals that IMFc programs have introduced a positive result on significant numbers of poor. Islamic microfinance has significant impacts on income, savings and expenditure levels of the household. The analysis sh

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23

Joram Nyaga Njagi, Joram Nyaga, and Nathan Mutwiri Mutwiri. "FINANCIAL INCLUSION AND PERFORMANCE OF TOP 100 SMALL AND MEDIUM ENTERPRISES IN KENYA." International Journal of Business Management, Entrepreneurship and Innovation 6, no. 3 (2024): 1–14. http://dx.doi.org/10.35942/esjas758.

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Access to services such as credit, insurance, and savings enables SMEs to invest in growth, innovation, and operational efficiency. SMEs leveraging financial inclusion can enhance their revenue generation, cash flow management, and overall profitability. The study sought to find out what impact finance inclusion has had on the performance of Kenya's top 100 SMEs. This study was guided by finance intermediation theories, technology acceptance theory, TAM signal theory and pecking order theory. The study1was carried1out on the basis of a descriptive research design. The target population consist

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D., T. Kingsley Bernard. "Entrepreneurial Success for Women through Microfinance and Effect of Education: Evidence from Sri Lankan." Journal of Economics and Business 3, no. 3 (2020): 1187–208. https://doi.org/10.31014/aior.1992.03.03.274.

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Microfinance is considered a poverty alleviation strategy in most countries especially in Asia and Sri Lanka is no exception. Sri Lanka is providing microfinance services through microfinance institutions (MFIs) to poor women for setting-up and developing micro-enterprises. It has been revealed through research that there are five components of microfinance services offered in Sri Lanka namely; Microcredit, Micro-savings, Micro-insurance, Business-support, and Skills -development. The past researchers have focused on the socio-economic, environmental, and individual factors that have an impact

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Ojo, Marianne. "Role of Regulation in Micro Finance: Application of the Micro Savings Requirement Scheme in Informal Sectors." British Journal of Economics, Management & Trade 4, no. 5 (2014): 786–803. http://dx.doi.org/10.9734/bjemt/2014/7487.

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Silvano Cherutich, Patrick Kibati, and Symon Kiprop. "EFFECT OF MICROFINANCE SERVICES ON FINANCIAL INCLUSION IN ARID AND SEMI-ARID LANDS IN KENYA." Kabarak Journal of Research & Innovation 10, no. 2 (2020): 1–12. http://dx.doi.org/10.58216/kjri.v10i2.99.

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Micro-Finance Institutions (MFIs) have been known to offer various financial services that include savings mobilization, micro-credits, money transfers and financial education to its clients which are important to financial inclusion. However, there is uncertainty over the effect of microfinance services on financial inclusion in Arid and Semi-arid lands in Kenya such as Baringo County where currently 14 MFIs are operating. The objectives of this study, therefore, were to determine the effect of savings products and lending services provided by microfinance institutions on financial inclusion

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27

Cheng, Tsun-Jen, Cheng-Ting Hsu, R. Korimara, Yih-Der Lee, and Yung-Ruei Chang. "Particle swarm optimization application on a micro grid for energy savings." Microsystem Technologies 24, no. 1 (2016): 41–47. http://dx.doi.org/10.1007/s00542-016-3152-4.

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Dudchyk, Oksana, Iryna Matvijchuk, Mariia Kovinia, Tetiana Salnykova, and Iryna Tubolets. "Financial literacy in Ukraine: from micro to macro level." Investment Management and Financial Innovations 16, no. 4 (2019): 240–53. http://dx.doi.org/10.21511/imfi.16(4).2019.21.

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Low financial literacy of population hinders the financial market development, limits the possibilities of using the savings for investing and creating the additional capital in the country. At the state level it results in inflation, the budget deficit creation, a decrease in country’s gold and foreign exchange reserves, an increase in internal and external government debt. The article analyzes the approaches to understanding the concept of financial literacy, tools for its measuring and comparing at micro and macro levels, dynamics of savings and gold and foreign currency reserves, peculiari

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Iqbal, Khurshed. "Empowering Rural Communities Through Financial Literacy and Micro-Budgeting Training." Assoeltan: Indonesian Journal of Community Research and Engagement 3, no. 1 (2024): 21–31. https://doi.org/10.70610/assoeltan.v3i1.805.

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This community service initiative aimed to empower rural communities by enhancing financial literacy and introducing micro-budgeting practices. The background of the study stems from the persistent challenge of financial instability in rural areas, where individuals often struggle with irregular incomes and limited access to formal financial services. The primary objective was to equip participants with practical financial management skills to reduce their dependency on informal loans and improve their financial decision-making. The method employed was a participatory approach using micro-budg

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Aguila, Emma. "Personal Retirement Accounts and Saving." American Economic Journal: Economic Policy 3, no. 4 (2011): 1–24. http://dx.doi.org/10.1257/pol.3.4.1.

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Aging populations are leading countries worldwide to social security reforms. Many countries are moving from pay-as-you-go to personal retirement account (PRA) systems because of their financial sustainability and positive impact on private savings. PRA systems boost private savings at a macro level by converting a government liability into financial wealth managed by private fund managers. However, at a micro level, changes in retirement wealth affect individuals' saving and consumption patterns through their working lives. Retirement wealth increased for lower-income workers after Mexico int

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Abdulmumini, Baba Alfa, and Ohunene Gomina Monsuratu. "Effect of Panic Buying on Individual Savings: The Covid-19 Lockdown Experience." Lapai journal of Economics 4, no. 1 (2020): 69–80. https://doi.org/10.5281/zenodo.6347186.

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This study analysed the micro economic effect of panic buying on individual savings arising from the lockdown experienced due to the coronavirus pandemic in Niger State. The study used a total sample of 384 individuals and applied a two-stage least square regression analysis using perception, price deferential and expenditure on individual savings. Finding shows that perception, price deferential and expenditure negatively affects individual savings. However, only expenses on groceries and household goods tend to contribute to household expenditure in the endogenous model. The study therefore

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Muharremi, Oltiana, Edlira Luҫi, Filloreta Madani, and Erald Pelari. "Evaluating the Impact of Microfinance at the Individual Level in Albania, Particularly in the Region of Vlora and Fier." Journal of Economics and Management Sciences 1, no. 1 (2018): p143. http://dx.doi.org/10.30560/jems.v1n1p143.

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Microfinance is defined as the provision of financial services such as micro-credit, micro savings, and micro insurance for individuals with low income. Although access to micro credit is seen as a right to have credit, it rather represents a right to development and economic initiatives that could change the borrower’s way of life. The purpose of this article is to examine the impact of microfinance loans in improving the living conditions of borrowers. This study is based on an empirical investigation of 384 structured questionnaires directed at microfinance institutions in the regions of Vl

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Forje, LC. "Domestic saving mobilisation and small business creation: The case of Cameroon." South African Journal of Economic and Management Sciences 9, no. 1 (2014): 41–56. http://dx.doi.org/10.4102/sajems.v9i1.1156.

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Promoting savings and providing a basis for lending to the poor is a growing concern in many developing countries. Cameroon has a culture of savings mobilisation known as njangi/tontine. The njangi is contributions given to members in a rotating form at the end of every sitting, and tontine is voluntary savings held by the group. This study reveals that njangi/tontine groups only lend money to group members and suggests that a micro village bank known as MC2 could be used as guarantor to ensure that group monies lent to non-group members are repaid. Encouragement and improvement in the functio

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MPAATA, Eva, Ernest SAINA, and Naomi KOSKEI. "Social Influence and Saving Behavior among Micro and Small Enterprise Owners in Kampala, Uganda: A Moderated Mediation Model of Financial Literacy and Self-Control." Nile Journal of Business and Economics 7, no. 17 (2021): 67–92. http://dx.doi.org/10.20321/nilejbe.v7i17.04.

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This research uses cross-sectional data from 430 micro and small enterprise owners in Kampala, Uganda, to examine the indirect effect of financial literacy on the relationship between social influence and savings behavior. In addition, the study examines the moderating effect of self-control on the relationship between financial literacy and savings behavior, in addition to its moderating role in the relationship between social influence and saving behavior. Finally, it studies the moderating effect of self on the indirect effect of financial literacy on the relationship between social influen

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Perkasa, Ripho Delzy, Dwi Safitri, Ismanora Lubis, and Zaki Aimansyah. "The Role of Savings and Loan Cooperatives in the Development of Micro, Small, and Medium Enterprises (MSMEs)." International Journal Of Education, Social Studies, And Management (IJESSM) 4, no. 2 (2024): 655–70. http://dx.doi.org/10.52121/ijessm.v4i2.336.

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The aim of this research is to identify the role of the Sibotolungun Savings and Loans Cooperative (KSP) in the development of Micro, Small and Medium Enterprises (MSMEs) in Medan Barat District and to determine the efforts of the Sibotolungun Savings and Loans Cooperative (KSP) in empowering the community economy in Medan Barat District . This research was conducted using qualitative analysis methods with data collection techniques through observation, interviews and documentation. The number of informants involved in this research was 4 people consisting of 1 KSP Sibotolungun employee and 3

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Dhungana, Bharat Ram. "Does Loan Size Matter for Productive Application? Evidence from Nepalese Micro-finance Institutions." REPOSITIONING The Journal of Business and Hospitality 1 (November 20, 2016): 63–72. http://dx.doi.org/10.3126/repos.v1i0.16043.

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This paper examines the loan size and its productive application after involvement in micro-finance programme in western development region of Nepal. The paper is based on primary sources of data collected through structured questionnaires. The survey includes 500 clients from four districts of western development region both from government and Private microfinance institutions. The study shows that there is positive association between size of savings and loans, size of savings and loan application, current loan size and ethnicity, loan size and duration of membership, and finally loan size

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Kajal, J. Savaliya. "Critical Analysis of Financial Crisis on Micro Finance in Reference with India." International Journal of Trend in Scientific Research and Development 1, no. 2 (2017): 3–7. https://doi.org/10.31142/ijtsrd61.

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In a country like India where 70 percent of its population lives in rural area and 60 percent depend on agriculture according to the World Bank reports , micro finance can play a vital role in providing financial services to the poor and low income individuals. Microfinance is the form of a broad range of financial services such as deposits, loans, payment services, money transfers, insurance, savings, micro credit etc. to the low and poor individual income. The importance of micro finance in the developing economies like India cannot be undermined, microfinance refers to small savings, credit

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David, Dr Alice Esther. "Growth and Performance of Self Help Group’s - An Exploratory Study." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 11 (2024): 1–6. http://dx.doi.org/10.55041/ijsrem38396.

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Today there are Mainstream Micro Finance Institutions like National Agricultural Bank for Rural Development (NABARD), Small Industries Development Bank of India (SIDBI) etc., which are creating micro credit, in rural areas by extending micro finance to Self Help Group (SHG’s) with the help of formal credit institutions, making it an effective poverty reducing strategy and simultaneously promoting rural development. SHG’s were initiated to empower the economically disadvantaged people, who were neglected by formal credit and savings institutions. Micro finance has shown that poor people, when g

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Kimutai, Gideon Koske, and Joyce Gakobo. "Entrepreneurial Competencies and Performance of Women-Owned Micro and Small Agribusiness Enterprises in Bomet County, Kenya." International Journal of Business Management, Entrepreneurship and Innovation 4, no. 3 (2022): 66–87. http://dx.doi.org/10.35942/jbmed.v4i3.293.

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Entrepreneurship is becoming more widely recognized as a key driver of economic development, efficiency, innovation, and employment, as well as a key component of economic dynamism. Entrepreneurial competencies have contributed to the growth and expansion of most women-owned micro and agribusiness enterprises in. The women-owned Agribusiness has field is developing rapidly and widely to include entrepreneurs who are committed to solving societal problems. However, despite numerous government policies aimed at boosting women-owned micro and agribusiness enterprises in Kenya, the growth rate of

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Ramora Sirait, Andre, and Cece Cece. "Analysis of The Role of Savings and Loans Cooperatives An Effort to MSMEs Case Study on Ksp. Credit Union Harapan Kita." Jurnal Sains dan Teknologi Industri 21, no. 1 (2023): 1. http://dx.doi.org/10.24014/sitekin.v20i2.22928.

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This thesis aims to Analyze the Role of Savings and Loans Cooperatives in Efforts to Improve Micro, Small and Medium Enterprises (MSMEs) Case Studies on KSP. Credit Harapan Kita. This research used a qualitative descriptive method with direct interviews with leaders of KSP: Credit Union Harapan Kita, Field Observations and Documentation. The research results show that saving and loan cooperatives are essential in increasing (MSMEs). Saving and loan cooperatives can provide easy and affordable access to finance for (MSMEs. With that, savings and loan cooperatives can also guide their members in

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Saviour Lusaya and Namoonga Mulunda. "Factors determining household savings in Zambia: A logit regression model from the micro-economic perspective." World Journal of Advanced Research and Reviews 13, no. 1 (2022): 520–33. http://dx.doi.org/10.30574/wjarr.2022.13.1.0007.

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Although not directly linked in time and space, the low savings in an economy will pose a huge challenge on the growth prospect of the country as both private and public savings remain catalytic to economic growth. The classical and neo-classical growth theories have placed emphasis on the critical role of savings in the economy and indeed the need for high savings cannot be overemphasised. This study sought to examine microeconomic determinants of household savings in Zambia using cross sectional data obtained from the Central Statistics Office 2015 Living Condition Monitoring Survey comprisi

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Saviour, Lusaya, and Mulunda Namoonga. "Factors determining household savings in Zambia: A logit regression model from the micro-economic perspective." World Journal of Advanced Research and Reviews 13, no. 1 (2022): 520–33. https://doi.org/10.5281/zenodo.5896308.

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Although not directly linked in time and space, the low savings in an economy will pose a huge challenge on the growth prospect of the country as both private and public savings remain catalytic to economic growth. The classical and neo-classical growth theories have placed emphasis on the critical role of savings in the economy and indeed the need for high savings cannot be overemphasised<strong>. </strong>This study sought to examine microeconomic determinants of household savings in Zambia using cross sectional data obtained from the Central Statistics Office 2015 Living Condition Moni

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Ms., Ritika Gupta, and Keshav Gupta Dr. "INFORMATION TECHNOLOGY IN MICRO FINANCIAL SERVICES IN INDIA." International Journal of Marketing & Financial Management 3, no. 11 (2015): 38–48. https://doi.org/10.5281/zenodo.10811482.

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<strong>ABSTRACT </strong>   Microfinance means providing very poor families with very small loans (micro credit) to help them engage in productive activities /small businesses. Over time, microfinance has come to include a broader range of services (credit, savings, insurance, etc.). the poor and the very poor who lack access to traditional formal financial institutions require a variety of financial products. In order to enable the poor people to access credit , there is a need to strengthen all the available channels of providing credit to the poor. such as Micro Finance Institutions ,

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Isabelle, Musanganya, Nyinawumuntu Chantal, and Nyirahagenimana Pauline. "THE IMPACT OF MICROFINANCE BANKS IN RURAL AREAS OF SUB-SAHARAN AFRICA." International Journal of Research - Granthaalayah 5, no. 9 (2017): 80–90. https://doi.org/10.5281/zenodo.999246.

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Many researchers consider microfinance as a tool for poverty reduction. Even more, especially in post-conflict African countries, micro-financial institutions are seen as an opportunity of reconciliation. Lending from microfinance institutions to that from traditional banks and examine their respective effects upon economic growth has been practiced in some sub-Saharan countries. Considerable progress in research has been found that microfinance loans raise growth comparatively to that of traditional banks. A lot of number of researches carried out in sub-Saharan countries even in other develo

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Баянова, О. В. "Анализ формирования и тенденции изменения доходов, расходов и сбережений населения". Modern Economy Success, № 1 (9 січня 2025): 301–7. https://doi.org/10.58224/2500-3747-2025-1-301-307.

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целью исследования является изучение понятия, видов и поведения доходов, расходов и сбережений населения, а также выработка методики их формирования на микро- и макроуровнях. Методы: в качестве методов в представленном исследовании используются статистические методы анализа доходов, расходов и сбережений населения, монографический метод и метод сравнения. Результаты (Findings): в исследовании разработана модель формирования доходов индивида (населения) на микро- и макроуровне; выработан механизм соотношения национального, личного и располагаемого дохода; показана классификация доходов и расход

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Saniy, Afina Rusyida, and Ainur Rochmaniah. "PENGARUH STRATEGI COSTUMER RELATIONS PT BANK PANIN CABANG SIDOARJO TERHADAP LOYALITAS NASABAH TABUNGAN MIKRO PANIN." KANAL: Jurnal Ilmu Komunikasi 3, no. 2 (2016): 193. http://dx.doi.org/10.21070/kanal.v3i2.308.

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The purposes of this research to analyze and explain the influence of customer relations strategies in the PT. Panin Bank branch A. Yani Sidoarjo towards customer loyalty micro savings Panin. This research used quantitative research with survey research methods. Meanwhile, the subject of this study is micro panin savings customers as many as 100 customers were selected using purposive sampling technique. Partial test (t test) showed that strategy of customer campaign dependent as independent variables which are marketing campaign,customer campaign and service quality that is affected towards d

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SaldaĂ±a, Yolanda, Fernando Miguel Ruiz, Laura Leticia Gaona, Juan JesĂşs Nahuat, and Kelly Alejandra MuĂ±oz. "CONTRIBUTION FROM THE FIELD OF FAMILY BUSINESS TO BUSINESS INCUBATORS, MICRO AND SMALL ENTERPRISES." CBU International Conference Proceedings 5 (September 23, 2017): 429–32. http://dx.doi.org/10.12955/cbup.v5.960.

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Most micro and small businesses start as family businesses, as they start from family savings as their main source of financing. However, the methodology used to incubate businesses in Mexico does not include tools to effectively manage family influence. This paper outlines the reasons why government agencies that allocate federal resources for business incubation should incorporate such tools into their methodologies. A documentary and a field investigation were carried out. The results show the tendency to start a business with family savings and therefore, with family interference. Likewise

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Yuan, Haidong, Chin-Hong Puah, and Josephine Tan-Hwang Yau. "How Does the Ageing Population Affect China’s Household Savings Rate? Empirical Study Based on China’s Micro Household Data." Business and Economic Research 13, no. 4 (2023): 227. http://dx.doi.org/10.5296/ber.v13i4.21442.

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The impact of the ageing population on China’s economy and society is multifaceted, with the impact on household savings rates being particularly important. This study investigates the influence of population ageing on household savings rates, utilizing data obtained from the China Household Finance Survey (CHFS) spanning the period from 2015 to 2019. The study found that ageing has a significant negative effect on household savings rates. This finding suggests that there is a significant life-cycle effect on changes in household savings rates in China, which is not conducive to the formation

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Iwatsuka, Kenichi, Yukio Maeda, Takanori Yazawa, and Shinya Suzuki. "Effect of Tool Run-Out on Micro-Groove Milling for a Microchannel Die." International Journal of Automation Technology 8, no. 2 (2014): 275–81. http://dx.doi.org/10.20965/ijat.2014.p0275.

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Recently, the use of microchannel chips in micro total analysis systems, which can provide savings of natural resources and energy, has attracted attention in the medical field. Generally, the photolithography technology used in semiconductor manufacturing is used to manufacture microchannel chip dies. However, it involves several processes such as mask fabrication and the application of a photoresist to Si substrate, as well as expensive clean room facilities. In light of this, methods to form a fine groove using a micro-endmill are examined. The effects of the tool run-out of a few micromete

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Dayo, Muhammad Qabil, Fayaz Raza Chandio, and Muhammad Saleem Rahpoto. "Socio–Economic Effects of the Microfinance Services on the Women in Sindh: A Case Study of the First Microfinance Bank District Larkana." Bulletin of Business and Economics (BBE) 12, no. 4 (2023): 502–9. http://dx.doi.org/10.61506/01.00158.

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The microfinance has turned into a significant tool alleviating poverty in emerging nations as it provides financial and non-financial services to needy peoples. It turns out those key aspects of the microfinance in focusing on the ladies lead to more beneficial economic development results. Therefore, this study sought to investigate the socio economic impacts related with the women's participation in microfinance programs. The study was conducted in The First Microfinance Bank District Larkana in Sindh province. A simple random sample of 1000 women participants of no less than two years or m

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