Business Commons^™

Beyond Micro-Credit: Putting Development Back Into Micro-Finance By Thomas Fisher And M. S. Sriram, James R. Bradshaw

Journal of Microfinance / ESR Review

No abstract provided.

Balancing Supply And Demand: The Emerging Agenda For Microfinance Institutions, Thankom Arun, David Hulme

Journal of Microfinance / ESR Review

No abstract provided.

Front Matter, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Announcements, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Money Talks: Conversations With Poor Households In Bangladesh About Managing Money, Stuart Rutherford

Journal of Microfinance / ESR Review

This paper describes the money management behavior of 42 low-income Bangladeshi households, half of them rural and half living in urban slums. They were found to be active managers of their financial resources. Thirty-three varieties of financial instrument were found to be in use by the sample households during the research year. As well as using a wide variety of instruments, most households engaged in multiple uses of the instruments: on average each household initiated a new money management arrangement every two weeks. The sums of money involved are large, both absolutely and relative to incomes. The average “turnover” (the …

Vol. 05 No. 2 Journal Of Microfinance, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Rural Finance, Poverty Alleviation, And Sustainable Land Use: The Role Of Credit For The Adoption Of Agroforestry Systems In Occidental Honduras, Ruerd Ruben, Luud Clercx

Journal of Microfinance / ESR Review

This paper analyzes the relationship between financial services provided by different agents, the adoption of agroforestry systems, and the implications for food security and sustainable soil management. Attention is focussed on the role of rural finance in reducing risk and stabilizing household income and yields. We conclude that credit provision performs critical functions for reinforcing the resilience of rural livelihoods in less-favored areas. Rural development programs in the Occidental region of Honduras have been rather reluctant to provide rural financial services. Unfavorable agroclimatic conditions and the scarcity of infrastructure lead to extreme poverty. The local economy is fairly dynamic due …

Benchmarking Study Of The Small Business Environment In Saginaw County, George A. Erickcek, Brad R. Watts

Reports

No abstract provided.

Sme Financing – Issues And Prospects, Ishrat Husain Dr.

Faculty Research - Talks, Speeches, & Discourse

I would like to congratulate SMEDA on bringing together all the stakeholders together to discuss the issue related to financing of SMEs in Pakistan. I have listened to the presentations and also the interventions from the floor very carefully. Let me therefore share my thoughts with you on this important topic. We should start with the basics. As you have heard, from the presentations this evening, there is a tremendous demand of bank credit by the SMEs who are at present meeting most of their financing needs through friends, relatives and other informal sources. At the same time the banks …

Human Resource Management In Practice: A Case Study Of State Bank Of Pakistan, Ishrat Husain Dr.

Faculty Research - Talks, Speeches, & Discourse

I am happy to address this august gathering of Human Resource Professionals. I had two options this morning. The first was to repeat the clichés and platitudes about the importance of human resource management in economic development and for organizational effectiveness. But considering that all of you are highly qualified practitioners in this field. I thought you would find this kind of address boring and unsatisfactory. Therefore, being faithful to the theme of this Conference I decided to present a case study at this session. Without being self-serving, I would like to share the lessons we have learnt during the …

A Meta-Analysis Of Government-Sponsored Training Programs, David H. Greenberg, Charles Michalopoulos, Philip K. Robins

Economics Articles and Papers

This study uses meta-analysis to synthesize findings from 31 evaluations of 15 voluntary government-funded training programs for the disadvantaged that operated between 1964 and 1998. On average, the earnings effects of the evaluated programs seem to have been largest for women, quite modest for men, and negligible for youths. For men and women, the earnings effects of training appear to have persisted for at least several years after the training was complete. Classroom skills training was apparently effective in increasing earnings, but basic education was not. There is no evidence that more expensive training programs performed better than less expensive …

The Slow Pace Of Disbursement Of The Small And Medium Industries Equity Investment Scheme (Smieis) Fund And The Need For Remedial Measures, C. M. Anyanwu, B. S. Adebusuyi, B. O. Okafor

CBN Occasional Papers

The objectives of this paper are to investigate the reasons for the slow pace of investment under the scheme and proffer measures that would address the identified problems. The paper is organized into seven sections to achieve these objectives. Following this introduction, an overview of SMIEIS is done in section 2, while section 3 contains the operations of the Scheme to date. The empirical investigation is discussed in section 4 and the constraints on the implementation of SMIEIS are highlighted in section 5. This is followed by the suggested remedial actions in section 6 and the paper is concluded in …

Political Barriers And The Transmission Of Monetary Policy Across States: The New England Antebellum Banking Market, Andrew J. Economopoulos

Business and Economics Faculty Publications

The New England antebellum banking market was examined to understand the interaction of political ideology and economic forces. With each state controlling bank entry, hence the money supply, political ideology could impede the supply of money within a state. However, the monetary forces from neighboring states may have influenced the degree to which parties held true to their political ideology. The results indicate that political ideology was an effective barrier in two of the six states, while three states were responsive to neighbor states' monetary policy regardless of political ideology. These states responded by creating new banks, raising existing capital …

A Comparative Analysis Of The Rationality Of Consensus Forecasts Of U. S. Economic Indicators, David C. Schirm

Economics & Finance

The purpose of this article is to investigate the rationality of two survey forecasts of selective U. S. macroeconomic performance measures that were widely followed in the financial markets during the 1990-2000 period. The research compares the rationality of survey forecast data from Money Market Services, Inc., and Thomson Financial. This article extends prior research that has evaluated the rationality of Money Market Services data for earlier time periods while also evaluating similar consensus forecast data from Thomson Financial that were widely reported in both Barron's and the Wall Street Journal during the 1990s.

Evaluation Of The Hud Elder Cottage Housing Opportunity (Echo) Program, C Theodore Koebel, Julia Beamish, Karen A. Danielsen, Virginia Polytechnic Institute And State University

Public Policy and Leadership Faculty Research

ECHO housing was introduced in the United States in the 1980s based on a program started in Australia in 1975. An ECHO unit is a small house in which an elderly person resides and which is placed near the home of a host (either relatives or close friends of the elderly person). The purpose of this arrangement is to make it convenient and efficient for the occupants of the host family dwelling to provide assistance to the elderly person residing in the smaller ECHO house.

Although ECHO housing provides a means for keeping an elderly resident close to family and …

Montana Nonresident Traveler Expenditures And Economic Contribution: 2002, Norma Nickerson

Institute for Tourism and Recreation Research Publications

This report shows the economic contributions, expenditures, and average daily spending of nonresident visitors to Montana during 2002.

The Economic Impact Of The Yucca Mountain Nuclear Waste Repository On The Economy Of Nevada, Mary Riddel, Martin Boyett, R. Keith Schwer

Publications (YM)

Current Yucca Mountain Project (YMP) operations provide relatively high-wage employment to the Nevada economy and constitute an economically stable proportion of the total gross state product (GSP). If the YMP were discontinued, economic losses, relative to the current economy, would be substantial. In 2000, the YMP contributed $195.7 million to the Nevada economy and an additional $188.6 million in 2001. The YMP was responsible for 3,650 jobs in 2000. This translates into a real disposable income of roughly $131 million earned each year in the state of Nevada.

Development Strategy Of Punjab, Ishrat Husain Dr.

Faculty Research - Talks, Speeches, & Discourse

I would like to congratulate the Punjab Government for taking this initiative to organize this Development Forum and thank them for inviting me to participate. It is high time that the provinces should take stock of their approach to development and poverty reduction and introduce new measures which will make the difference in the lives of their citizens. The population of this province has multiplied four times during the last fifty years rising from 20 million in 1951 to almost 80 million today. The dynamics have changed so fast that the districts of Lahore and Gujranwala divisions have a much …

Economic Impact Of Visitors To Utep On The El Paso Economy, David A. Schauer, Dennis L. Soden

IPED Technical Reports

No abstract provided.

The Regional Capacity And Possible Expansion Of Fort Bliss, Texas: 2003, Brent Mccune, Alejandro R. Almanzán, David A. Schauer, Dennis L. Soden

IPED Technical Reports

No abstract provided.

Economic Impact Of Utep Retirees On The El Paso Economy, David A. Schauer, Dennis L. Soden

IPED Technical Reports

No abstract provided.

Family Businesses' Contribution To The U.S. Economy: A Closer Look, Joseph H. Astrachan, Melissa Carey Shanker

Faculty Articles

In 1995, we were commissioned to conduct research on the impact of family businesses on the U.S. economy. A search of all relevant research led to the conclusion that the majority of existing data relating to family businesses' economic contributions were not grounded in empirical research, and the definitions used to distinguish family businesses from other enterprises were ambiguous or nonexistent. In 1996, we published a paper providing a framework for assessing the economic impact of family businesses across three ranges, defined by the degree of family involvement in the businesses. This paper revisits that research and updates and improves …

The State Of The Region: Hampton Roads 2003, James V. Koch, Aditi Agarwal, Vinod Agarwal, John R. Broderick, Gary Chiaverotti, Chris Colburn, Vicky Curtis, Steve Daniel, Susan Hughes, Enrique T. Inclan, Tatiana Isakovski, Sharon Lomax, John R. Lombard, Trish Manthey, Grace Wu, Gilbert Yochum

Economics Faculty Books

This is Old Dominion University's fourth annual "State of the Region" report. While it represents the work of many people connected in various ways to the university, the report does not constitute an official viewpoint of Old Dominion, or it's president, Dr. Roseann Runte.

The report maintains the goal of stimulating thought and discussion that ultimately will make Hampton Roads an even better place to live. We are proud of our region's many successes, but realize that it is possible to improve our performance. In order to do so, we must have accurate information about "where we are" and a …

Housing Finance In Pakistan: Progress, Prospects, And Problems, Ishrat Husain Dr.

Faculty Research - Talks, Speeches, & Discourse

I would like to express my sincere thanks to World Bank, IFC and their partner institutions for organizing this two day Workshop on Housing Finance and bringing together a host of domestic and international stakeholders under one roof for discussing operational level issues to streamline measures for the development and promotion of a market based housing finance system in Pakistan. I would particularly welcome the distinguished guests from overseas who have taken the trouble of coming to Pakistan to participate in this workshop.

Spatial Variations In Wal-Mart Store Location, Clint H. Franklin

All-Inclusive List of Electronic Theses and Dissertations

As the world's largest retailer, the Wal-Mart Corporation exemplifies unsurpassed store location strategy. The purpose of this study is to identify socio-economic indicators of store location and to determine whether they vary spatially across the United States. First, a linear regression model is employed to identify key socio-economic variables that associate with store location in four regions of the United States. The study includes analyses of Georgia, Indiana, New York, and Washington, which represent the southeast, midwest, northeast and west, respectively. Discriminant and cluster analyses are used to investigate whether there are spatial variations in Wal-Mart location. The results of …

Montana Nonresident Seasonal Travel Comparisons: 2002, Norma Nickerson

Institute for Tourism and Recreation Research Publications

This report shows the 2002 seasonal visitation and length of stay data for nonresident travelers to Montana. It also displays average daily spending for various expenditure categories, as well as total expenditures for those categories.

Nonresident Trends: Visitation And Expenditure, Norma Nickerson

Institute for Tourism and Recreation Research Publications

This report shows trends for nonresident visitation and nonresident expenditures in the state of Montana from 1993-2002.

Montana Nonresident Traveler Expenditure Profiles: 2002, Norma Nickerson

Institute for Tourism and Recreation Research Publications

This report examines spending profiles of nonresident travelers to Montana. It displays the average daily expenditures by purpose of trip for different spending categories during 2002.

Employing Service Learning In Community-University Partnership Program To Develop Local Msmes In Bungo And Tejo Regencies, Mona Novita, M. Syukri Ismail, Muhammad Solihin, Muhammad Asman

ASEAN Journal of Community Engagement

This paper illustrates the implementation of a community project developed based on a partnership between the community and the local university in Bungo and Tebo Regencies. The project aims to develop the local micro, small, and medium enterprises (MSMEs) as a strategic step to increase the regional economy, taking the form of a so- called Community–University Partnership Program in Bungo and Tebo Regencies. The Community–University Partnership methodology employs the Service Learning (SL) method to increase MSME actors’ competence in terms of financial literacy, product packaging, and marketing. The effectiveness of the SL-based Community–University Partnership Program was measured using a quantitative …

Model State Land Use Legislation For New England, New England Environmental Finance Center, Muskie School Of Public Service

Legislation

Sprawl is neither the ordained nor the inevitable outcome upon the New England landscape. A coordinated response to sprawl by the public and private sectors is possible, and could dramatically improve land use patterns and reduce the cost of local government. For the New England states, such a response would include, among other elements, legislation to eliminate existing gaps in the land use laws of each state – gaps that presently encourage or sanction sprawling development. It would also include incentives for municipalities to think beyond their borders and to act with greater efficiency and effect. It is the purpose …