...Local Transport Plans: Case Study 2:1:b DEVELOPING A LOCAL GOVERNMENT TRANSPORT MASTERPLAN: CASE STUDY J. Lebo, World Bank (1999) Objectives of the case study National or state rural planning processes are often “top down”, technically sophisticated and, hence not geared to participation from local communities, those most affected. Involvement of local government is increasingly seen as being important to rural transport planning and engaging them in this process requires a balancing of the technical requirements of the process with local objectives and capacities. A Rural Transport infrastructure (RTI) planning process must be transparent and easily understood by local government planners who may have little grasp of the underpinning economics. The objective of this case study is to describe the development of a Local Government Transport Masterplan (LGTMP). 1. AN APPROACH TO LOCAL GOVERNMENT INVESTMENT PLANNING In most developing countries, decentralization has meant that local governments are increasingly made fully responsible for the provision of local services, including health, education, as well as local roads. Concurrently, national or state road planning processes are often "top-down" and technically sophisticated, as well as ignoring the potential for local governments and communities to participate. The involvement of local governments, however, has been shown to be a critical element to the success of the RTI planning process. In practice, however, most local governments...
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...types of banking programs and for its social activities. Bangladesh is predominently an agricultural country with vast majority living in rural areas.Seasonal unemployment and under employment is so acute that many people remain idle and without job in most of the time of the year. As a result people in large numbers are migrating to urban areas, in search of employment thereby creating social and environmental hazard. Islamic bank has therefore, taken up a scheme to reactive the development approach. The objectives of the rural development scheme of Islami bank Bangladesh ltd are – 1. To create opportunity for generation of employment and raising income of the rural people with a view to alleviate poverty. 2. To diversify investment product to agricultural, other farming and rural off farming activities. 3. To establish model villages within 10 kilometres radius of designated branches of the bank. 4. To extend investment facilities of the bank in rural areas. 5. To finance self-employment particularly the rural unemployed youths and the rural poor. 6. To alleviate rural poverty through integrated rural development approach. Other this Islami bank foundation a subsidiary of the bank, engaged in social welfare activities such as education, sanitation and medical care facilities for the rural village poor. At present 118 branches out of 151 branches of the bank are handling the scheme. the hathazari branch is one of them. In...
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...Consultative Group to Assist the Poorest (CGAP) Working Group on Savings Mobilization RURAL BANK OF PANABO (RBP), PHILIPPINES (CASE STUDY) Ulrich Wehnert Eschborn, 1999 CGAP Working Group on Savings Mobilization CONTENTS ABBREVIATIONS LIST OF TABLES AND GRAPHS 1 CONTEXT 1.1 1.2 Macroeconomic context iv v 1 1 Context of the financial sector 1 1.2.1 Role of the central bank 1 1.2.2 Regulation and supervision 2 1.2.3 General development and characteristics of the financial sector 3 1.2.4 The impact of the Asian financial and economic crisis on the financial sector4 1.2.5 Outreach and characteristics of state interventions 4 1.2.6 Social security system 5 Social and socio-cultural context Classification of the macroeconomic, financial and socio-cultural context 5 6 7 7 8 8 9 11 11 11 12 1.3 1.4 2 INSTITUTIONAL ANALYSIS 2.1 2.2 General characteristics of the Rural Bank of Panabo Institutional type, governance and organizational structure 2.2.1 Institutional type and governance 2.2.2 Organizational structure 2.2.3 Lessons learned in institutional type, governance and organizational structure 2.2.3.1 Success factors 2.2.3.2 Limitations and risks 2.2.3.3 Possibilities of replication 2.3 Demand-oriented savings products and technologies 12 2.3.1 Characteristics of demand-oriented savings products and savings technologies 12 2.3.2 Design of demand-oriented savings products 13 2.3.3 Procedures to introduce demand-oriented savings products 13 2.3.4 Lessons learned...
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...PROPOSAL ON IMPACT OF RURAL BANKING ON RURAL FARMERS IN BANGLADESH INTRODUCTION: Bangladesh is an agro-based country, essentially are endeavoring for rapid development of the country. More or less 80 percent people directly or in directly depend on agriculture for their occupation .But it is a matter of great sorrow that farmers of our country get less facility in agricultural inputs especially agricultural credit. Due to the lack of credit at proper time they cannot produce crops at proper efficiency. So the responsibility of rural banks needs to be increased. Because If current agricultural trends continue, by the year 2020 in Bangladesh food shortage will increase many times, .The lower calorie intake could lead to poverty, malnutrition and hunger. In an attempt to alleviate some of these potential problems, several institutional and non-institutional sources of rural credit have been made available to Africans. It is hoped that, in the long term, credit will enable the poor to invest in agricultural and non-agricultural productive assets, to adopt new technologies and farming methods, and to minimize environmental degradation. Bangladesh, like other developing countries, has traditionally experienced low productivity, low income levels, low domestic savings, unemployment, and malnutrition. The Bangladesh government, through the Bangladesh Bank , established Rural Banks to channel credit to productive rural ventures and promote rural development. Rural development is a strategy...
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...per acre. It showed that the demand for investment loan had decreased along with size of land holding among borrowers. On an average, all borrowers demanded investment loan 9668.33 per acre. The non borrowers did not demand for investment loan. 3. Availability of agriculture credit Credit is one of per- requisites for farmers to increase the agricultural development of a country. In the current risky economic environment, credit should be managed as closely and carefully as other production inputs. Provision of institutional credit to agriculture has assumed growing significance in the new strategy for agricultural development. Availability of credit was analyzed under the following heads. 1. Farmer of category wise availability of crop loan. 2. Farmer of category wise availability of investment loan Farmer category wise availability of crop...
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...following headings are discussed: Background of the Study, Statement of the study, Objectives of the study, Research Questions, Significance of the study, Scope and Limitation(s), Definition of terms and the Organization of the study or Chapters 1.1 Background of the Study The Rural Banking concept was introduced in the mid-1970s. The motives were to mobilize savings from the rural areas and in turn make institutional credit available to the Rural Economy. The need for improved financial intermediation in the rural economy became paramount because of the non-availability of formal institutions and the fact that most rural dwellers are engaged in agriculture. Agriculture is the mainstay of the Ghanaian economy and until recently the largest contributor to GDP. (Yahiya, research Dept. of BOG, 2013) Despite the potential resources existing in the rural areas, farmers and small entrepreneurs lack the required institutional credit to play the expected meaningful role in the Economy. The peasant farmer had to rely on informal operators such as Mobile Bankers locally known as Susu Collectors, and self-help groups and money lenders for his credit needs. These creditors charge exorbitant interest rates which, in most cases, aggravates the poverty state of the borrowers. The bank of Ghana, in a bid to take care of the credit and other financial needs of the rural people, therefore encouraged Commercial Banks to expand their rural networks. The Agricultural Development Bank, for example...
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...before implementing the system. It also predicts the cost of the system and the money it will save the business that is using it. The system I am going to be using is the implementation of Electronic Health Records (EHR) into small rural health care facilities. This particular one is for D.W. McMillan Memorial Hospital. D.W. McMillan Memorial Hospital is a 49 bed community hospital who are located in Brewton, Alabama. D.W. McMillan Memorial Hospital decided they wanted to take a shot at implementing HER to make their organization more modern and up to date on technology that is being used nationwide. Not only will it benefit their patients, but also the workers, and the organization as a whole. D.W. McMillan Memorial Hospital realized they needed and EHR system when they started using the bar code medication administration system. Up until the point they realized they need an automated system, they always used the traditional paper version of medical records. They used system analysis to take a look at their current paper medical records that were being used and they wanted to implement a software that would be an easy transition, with easy-to-navigate screens that “mirrored paper-based processes” (EHR implementation in a smaller hospital: A case study, 2014) This helped the health care providers to adapt to...
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...RISK AND RISK MANAGEMENT OF RURAL AND AGRICULTURAL FINANCE (MD. IBRAHIM KHOLILULLAH, DEPT OF AG.FINANCE, BAU MOB: 01718996557) INTRODUCTION When discussing rural finance in Bangladesh, the foremost issue that merits mention is that loans to agriculture are generally offered only by specialized agricultural banks, since commercial banks and microfinance institutions largely refrain from financing the sector. There are many reasons for this, the most important of which is that this finance is strewn with risks, some of which the state is most likely to address. Hence, the governments hold ownership of these banks and their capital, and finance and support them. Agricultural banks are exposed to the above two risks. These dual risks continually expose them to losses and bank ruptcy unless they have excellent risk management practices and/or are financially supported by the government. Some of the risks that the banks encounter are, inter alia: operational risks, market risks, credit risks, and inadequacy of capital. These interrelated banking risks are faced by all commercial banks, agricultural banks and governmental banks. They may be created as a result of inadequate fund allocation, weak labour regulations, mismanagement, an unsuitable operating environment, weak training programmes, bad credit transactions and price fluctuations. Two problems must be mentioned in this regard: difficulty in measuring banking risks, and the lack of specialized management of most agricultural...
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...Masters of rural markets: Accenture Research Report The Hallmarks of High Performance Contents Foreword: Unleashing India’s rural multiplier effect Growing business confidence in rural opportunities The attractions and distractions of rural markets 03 05 09 Distinctive capabilities that enable 15 companies to succeed in India’s hinterland Framework factors critical to nurturing distinctive capabilities Developing the right capabilities—and acting on them Last word 28 29 31 2 Foreword Unleashing India’s rural multiplier effect But rural India’s contributions to the nation’s economic success—and the obvious potential for profitable growth—is just a part of the promise of wholehearted commitment to doing business beyond the city centers and suburbs. India’s rural markets offer unprecedented opportunities for global and local companies to experiment with approaches and business models, which if successful, may be replicated in rural markets of other emerging economies. India is on the march. Its momentum is not only evident in metros— it is apparent in small towns and villages as well. Collectively, all over India’s rural heartland and in its teeming cities, India is readying for an even more impressive era of economic growth. There is no question that India’s rural markets are becoming a powerful economic engine. One telltale sign: rural accounts now comprise over 50 percent of new subscribers for some of the leading telecom providers.1 The rural multiplier...
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...position of agriculture in Africa, and the potential that it has for improving the lives of the majority of those living on the continent. The report starts off with defining inclusive growth, and highlights how agriculture can contribute towards this phenomena as a consideration. It then talks to agricultural concepts and considerations in the African context, and attempts to identify African specific challenges and provide workable solutions. The paper also reflects on an emerging consensus advocating for the promotion of the productivity of smallholder farmers which is believed could drive economic growth for a broader base of the African population. A key consideration of this report is that in Africa, a majority of Africans live in a rural setting, participate in agricultural activities, especially women, and to address issues of food security, high unemployment, poverty, equity...
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...IMPACT OF RURAL BANKING ON RURAL FARMERS IN UGANDA. CASE STUDY OF KABALE DISTRICT. BY NAMARA MARTHA 10/U/15158/EVE 210006079 A RESEARCH PROPOSAL SUBMITTED TO THE SCHOOL OF STATISTICS AND APPLIED ECONOMICS FOR THE PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF BACHELOR OF ACTUARIAL SCIENCE DEGREE OF MAKERERE UNIVERSITY. TABLE OF CONTENTS Contents CHAPTER ONE 4 INTRODUCTION 4 1.0 INTRODUCTION 4 1.1 BACKGROUND TO THE STUDY 4 1.2 STATEMENT OF THE PROBLEM 4 1.3 THE AIM OF THE STUDY. 5 1.4 OBJECTIVES OF THE STUDY 5 1.5 RESEARCH HYPOTHESIS 5 1.6 RESEARCH QUESTIONS 5 1.7 LIMITATION OF THE STUDY 6 1.8 ORGANIZATION OF STUDY 6 1.9 SIGNIFICANCE OF THE STUDY 6 CHAPTER TWO 7 2.0 LITERATURE REVIEW 7 2.1 STRUCTURE AND PERFORMANCE OF RURAL AND MICRO FINANCE INDUSTRY 7 2.2.0 RURAL AND COMMUNITY BANKS (RCBS) 9 2.2.1 SAVINGS & LOANS COMPANIES 10 2.3 NON-GOVERNMENTAL AND COMMUNITY-BASED ORGANIZATIONS 10 2.4 INFORMAL FINANCE 11 2.4.1 MONEYLENDERS 11 2.4.2 TRADERS 12 2.5 GOVERNMENT CREDIT PROGRAMS 12 2.5.1 INTEREST RATES 13 2.5.2 SECURITY 13 2.5.3 THE NEED FOR THE RURAL CREDIT 14...
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...2006- 988x ©2012 Academic Journals Full Length Research Paper Migrant remittances: A driving force in rural development Benzies Isaac Adu-Okoree* and Adwoa Ofosua Onoma Faculty of Development Studies, Presbyterian University College, Akuapem/Tema Campus, Ghana. Accepted 10 April, 2012 The main push factor for migration from rural communities is lack of employment opportunities for inhabitants who had high level of educational. When they migrate, they remit back to their families at communities they migrated from. Remittances play important role in rural development, and the study using Tutu in Ghana as a case study found out that as a result of money remitted to residents in the community, the study participants acquired farm lands, bought vehicles and built houses which they would not have had without remittances. More wives and mothers than other persons received large portions of the remittances. Those who remitted home maintained that in addition to remitting money to their families, they were also willing to contribute to community development including construction of schools, churches and community centre, and also pay school fees to the brilliant but needy students. Thus, they were willing to help develop the entire community. Key words: Remittances, Tutu, rural development, wives mothers, community development. INTRODUCTION In a study of return migrants, Ammassari (2004) found a number of Ghanaian returnees who had invested in small businesses...
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...- Foundation for International Community Assiatance GDP - Gross Domestic Product NBC - National Bank of Commerce NGO - Non Governmental Organisation NMB - National Microfinance Bank NMFP - National Microfinance policy PFSs - Private Financial Sectors PRIDE - Promotion of Rural Initiatives and Development Enterprise SACCOS - Saving and Credit Cooperative Society SPSS - Statistical Package for Social Science URT - United Republic of Tanzania ABSTRACT The Ojective of the research was to assess the eeffectiveness/contribution of PFSs in reduction of poverty in Kinondoni District Dar es Salaam Tanzania. The research was conducted at NBC branches. The Branches to which the Reseacrh was conducted were Kinondoni Branch, Ubungo Branch, Mlimani City Branch, UDSM Branch and Tegeta Branche. Data were collected through interview and research questionnaires and were analyzed by using quantitative approach. The research study revealed that Tanzania there is a number of Private Financial Institutions providing financial services among Tanzanians. These Financial institutions are categorized either being in the form of banks i.e NMB, NBC, Akiba Commercial Bank and Women Bank of Tanzania or non Banks Financial institutions like PRIDE, FINCA and Tujijenge. All these financial institutions provide loans to need of Tanzanians...
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...World Dialogue on Regulation for Network Economies Regulation and Investment: Case study of Bangladesh Harsha de Silva and Abu Saeed Khan August 2004 Abstract The paper considers the available evidence in determining a relationship, if any, in the Telecom Regulatory Environment [TRE] of Bangladesh and investments in to its telecommunications industry over the last decade. TRE is segmented in to market entry, access to scarce resources, interconnection, tariff regulation and regulation of anti-competitive practices while investments are all non-divestiture foreign and domestic private and public investment. The TRE in Bangladesh is found to be wanting in all defined aspects. Interconnection is the worst of the five components, where a mobile only parallel network is being created due to regulatory ineffectiveness where almost ninety percent of mobile users do not have access to a fixed phone. Investments in to the fixed sector in Bangladesh dominated by the state owned virtual monopoly have been sorely inadequate and continue to be dictated by the funds availability [or lack thereof] of the Government. The mobile sector on the other hand has seen some amount of investments flowing in led by the widely acclaimed GrameenPhone. However, once standardized to compare across the region, it is found, even though using imperfect data to compare, that the reason for this flow could be the rub off of the attractiveness of the region and not necessarily...
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...iosrjournals.org Organized Retail in the Rural Markets in India 1 Surajit Dey, 2Dr. Sameena Rafat, 3Puja Agarwal 1 (Research Scholar, Department of management, CMJ University, India) 2 (Asst. Professor, IIPM, Lucknow , India) 3 (Management Faculty, Wisdom School of Management, India Abstract: Retail is a buzz word in today’s changing business environment. Different industrial sectors are in the phase of transition from conventional business models to innovative, market driven and consumer centric models. In India retail is not a new word, however the emerging formats of retailing are changing the entire scenario and posing tough challenges in front of Indian retailers. They are now designing customized retail products and services and targeting the untapped segment of the market. Presently, nearly 60% of the population resides in rural India and their retail requirements are partially met by the unorganized retail stores. This study is an attempt to explore the potential of rural retail market of India, accessing their needs for products and brands. The study also aims at developing a business model for the rural retail market in India. I. Introduction: Today Indian consumers are becoming very unpredictable. The consumer today, is richer, younger, eager to accept changes and more aspirational in his/her needs than ever before. This Statement is not confined to urban India but also applicable to rural India. A range of modern retailers are attempting...
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