Financial Access by Women in Kenya A Case of Eldoret Municipality

Financial Access by Women in Kenya  A Case of Eldoret Municipality

Автор:

Microfinance has gained popularity in the recent past as an effective tool in the fight against poverty.Women comprise a higher proportion of the poorest poor in the world and because of their ability to provide social capital,they have been targeted by most micro-credit providers.It is an established fact that when women access financial services,households are empowered socially and economically.This is an MDG initiative to reduce poverty levels by half by 2015. The author of this book reveals the level of access to financial services by women entrepreneurs and explicitly identifies and explains the institutional,women personal characteristics,demographic,household,social, economic and cultural impediments that women face frequently in accessing financial services.This book provides recommendations at policy, institutional and direct/indirect levels which when positively viewed would go a long way in scaling up access to financial services by women entrepreneurs in Kenya and the rest of Sub-Saharan Africa.It is a book you would not miss to get a copy!

Capital Asset Pricing Model

Capital Asset Pricing Model

Автор:

In India the growth in the capital market segment is dynamic during the last two decades. The various regulatory measure taken by SEBI and the Government brought confidence in the investors and the capital market has witnessed strong growth in the past few years due to the keen interest from both the foreign institutional investors as well as domestic investors. Today, investing in capital market is quite complex and the investor should take due care while choosing the investment options. Generally the investor has to consider the fundamentals, analysis of return (pricing), and investor preference etc. before the investment decisions. For the analysis and the selection of the best security, a number of models and techniques are available and Capital asset Pricing Models are used widely to decide the risk return relationship of securities in the market. But the literature shows that the testing of the empirical validity of these models give different results in different markets. Therefore this study is an attempt to test the suitability of CAPM in Indian context by using 9 years daily data of 70 companies which has been the part of BSE -100 Index.

Менеджмент в туризме

Менеджмент в туризме

Автор: С. С. Скобкин

В пособии раскрыты вопросы организации и управления туристической деятельностью, проанализированы факторы, влияющие на экономику туристических предприятий, возможные проблемы и пути их решения. Рассмотрены функции и методы управления человеческими ресурсами и трудовыми процессами в туризме, специфика проектирования организационных структур. Выявлена роль менеджера в стратегии управления и принятия управленческих решений. Описаны особенности инновационного менеджмента и управления проектами в туризме. В пособие включен практикум, содержащий тесты и деловые ситуации по всем темам, рассмотренным в теоретической части книги. Для студентов и аспирантов, изучающих теорию и практику управления предприятиями индустрии гостеприимства, а также специалистов и руководителей этих предприятий и организаций.

А как поступили бы в Apple?

А как поступили бы в Apple?

Автор: Дирк Бекман

Из этой книги, лаконичной и предельно сфокусированной на вопросе (именно такой, какой бы ее сделала Apple), вы узнаете секреты Apple, которые помогут вам разработать привлекательные для потребителей бизнес-идеи и успешно реализовать их на рынке цифровых технологий. Для широкого круга читателей.

Restructuring of Electricity Market in Nigeria

Restructuring of Electricity Market in Nigeria

Автор:

The power sector has suffered a lot of neglect and mismanagement over the years resulting in low power generation, high energy losses and high load factors leading to inability to cope with peak daily demand. The mode of operations in PHCN such as mode of payment, use of unreliable database, poor customer services, method of distribution of bills and meter reading have also contributed to inefficiency in the sector. After examining the structure of electricity market in Nigeria; deregulation and privatization seem to be the perfect tool to the ongoing restructuring process. In this deregulation and privatization, there will be three main key players namely; Government, Investors and Consumers who must not have conflict of interest in order to maintain the three key elements of deregulation and privatization: good Tariff, Competition and equal Market Power among market participants. Government, through its political, legal, and regulatory institutions creates policies and contracts which deregulation and privatization are based on. Most times these policies and contracts are manipulated to favour politicians hence they have major shares of the privatized ….

Fiscal policy in a dsge model with endogenous public wages and hours

Fiscal policy in a dsge model with endogenous public wages and hours

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Motivated by the high public employment, and the public sector wage premia observed in Europe, a Real-Business-Cycle model, calibrated to German data (1970-2007), is set up with an endogenous private-public sector labor choice. The latter is achieved by the inclusion of a convex transaction cost of government work, generating a wedge between the marginal disutility of an hour worked in the public and private sectors, which is consistent with the evidence. This friction also helps the model framework to accommodate the different wage rates in the two labor markets. The interaction between the two labor markets is shown to be quantitatively important for both the short-run model dynamics, as well as for the long-run behavior of the economy.

Monetary Policy and the Global Financial Crisis

Monetary Policy and the Global Financial Crisis

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Since its revival in the 80»s, Monetary Policy»s role and importance never ceased to grow and has reached new heights with the globalization and interconnection of financial markets. The Federal Reserve, guardian of the U.S. monetary policy, has two contrasting goals: ensure price stability and full employment. In 2007, the monetary institution was put to the test with the emergence of the global financial crisis. The Federal Reserve responded by lowering interest rate to near zero rates and when that wasn»t enough it relied on discretionary unorthodox measures. This book, starts by providing an analysis of the Global financial Crisis and the actions taken by the Federal Reserve to combat it.It later goes on to combine a theoretical analysis with an empirical study of the past financial crises and the present one in order to determine the implications of the global financial crisis on the U.S. Monetary Policy in the short and medium run.

Development of a Transportable Calibration Device

Development of a Transportable Calibration Device

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At Thyssen Krupp Stahl the injection of pulverized coal had been introduced in 1985 and since 1993 all blast furnace are equipped with this technology. Yearly average injection rates of 180 kg/thm beside 320 kg coke/thm could be achieved. From 1988 until 1993 a lot of efforts had been done to increase the rate of injected coal and to reduce the coke rate. During more than 50 experiments and tests the feasibility of this technology has been confirmed.

Evaluation of Training Programme in India Post

Evaluation of Training Programme in India Post

Автор:

Training programmes are expensive and there is a needto assess their effectiveness. The last stage of thetraining and development process deals with theevaluation of results which is a crucial step.However, systematic evaluation of the trainingprogrammes through appraisal of performance, moraleimprovement and increased efficiency is done in a feworganizations. There is a need to examinewhether employees work effectively through gainedskills and knowledge from training. Hence an attemptis made to study the “Evaluation of TrainingProgrammes in India Post”The major findings are that the learning objectivesdeals with KSA’s (Knowledge, Skill and Attitude) thatthe trainees are expected to acquire throughout thetraining programme and the trainees may not haveutilized the gained skills properly in their workplace and secondly the trainees’ superior may notallow the trainees to use the skills fully. Bothreasons are applicable to India Post. Theeffectiveness of the model proposed is 78.80% and themodel is significant at 1% level.The mantra for effective training should be, learnfast, remember often and apply with sincerity.

Adoption of improved varieties of maize

Adoption of improved varieties of maize

Автор:

The study was based on the data obtained from rural household survey during January2010-February 2010.Eight maize producing PAs (districts) were selected from the district and a total of 160 households were considered in the survey. Moreover, secondary data were obtained from various relevant sources. The study tried to investigate the status of adoption and factors influencing farmers’ adoption behaviors. Variation in adoption among the sample households was assessed in view of various factors theoretically known to influence farmers’ adoption behavior of new technologies and practically evaluated factors. A total of 24 explanatory variables were used in the estimation of the double hurdle model and nine variables were found to be significant in the first hurdle and six of the 24 were found to be significant in the second hurdle in influencing the probability of adoption and intensity of use of improved varieties of maize in the study area.The estimation results also revealed that the adoption decisions of improved maize varieties were mainly determined by respondents’ characteristics, household composition variables, institutional variables and economic variables.