Tag Archives: Village

The Existence of Hukum Tua in Villages Government ( Study About Hukum Tua On Responsibility of Government Concept in the District of Minahasa North Sulawesi Province Year Period Of 1945-2014 ) (Published)

Issues raised in this dissertation research is about tidal of existence Hukum Tua in governance villages in Minahasa, North Sulawesi Province, in various of State over the village setting. This research focus on secondary data from the literature that is supported by primary data obtained from a field research. Specifications of this research is qualitative analysis.Based on statement of problems presented, can be seen that the existence of Hukum Tua in governance villages in Minahasa, North Sulawesi Provinces has been good; responsibility as accountability (accountability) are performed in calculation (account) on the resources or authority to use, accountability as a liability (obligation) for the fulfillment, keeply, and fulfillment of achievement through agreements with the confidence (trust) communities, and accountability as causation (cause) of the aspirations of the people under the demands that have been accommodated in the task to accelerate the realization achievement of the goals and objectives desired. Hukum Tua liability in governance in various arrangements of State over the governance villages which has been from 1945 to 2014 is divided into four periods (1945 to 1979 period, 1979-1999 period, 1999-2004 period and 2004-2014 period) each with different characteristics on the procedural aspect of formal side. The conclusions research indicate that there a negative influence between existence Hukum Tua and enactmen variuos legislation on Local Government and Village Government

Keywords: Authority, Government, Hukum Tua, Village, responsibility

Effect of Village Savings And Loan Associations on Small and Medium Enterprise (Sme) Growth in Rwanda: Survey of Kayonza District (Published)

The research purpose was to examine the effects of Village Savings and Loan Associations on the growth of Small and medium enterprises in Rwanda because despite the contribution of Rwandan Government supported the establishment of Village Group Savings Cooperatives as a way of providing financial accessibility to rural Rwandans who cannot afford big loans from the banking institutions in order to support their micro business, performance of SME’s in the rural areas is still low (RDB report 2014). The researcher achieved this research by use of three specific objectives namely; To analyze the effect of credit/ loans on growth of SME growth in Kayonza District; To examine the effect of training and advice on investment on SME Growth in Kayonza District; and to analyze the capital formation on SME growth in Kayonza district. The research is beneficial to the researcher, SME’s, government and JKUAT. The researcher reviewed both theoretical and empirical literature on the effect of Village Savings and credit cooperatives on SME’s performance. The researcher used descriptive method of study based on qualitative and quantitative approach in order to get better analysis of the study. The population size is 884 and sample of was taken. Both primary and secondary sources with their relevant tools like questionnaire and documentary analysis in order to come up with required data. In the findings it was established that Kayonza district has got various credit/ loan services, Training and Advice on Investment services and Capital formation (savings) services. Credit/ loan services includes;  provision of  required amount of loan to the clients, provision of  loan to the clients within a short time, provision of  loan without collaterals but members guarantee, provision of  the loan to the clients at a low interest rate and provision of  loans to the clients with flexible repayment schedule depending on one’s earnings. Training and Advice on Investment services which that include; provisions of investment briefings on terms and conditions of the loan before acquiring loan, provision of investment seminars and workshops to members, provision of tour to successful members business before loan is awarded to clients, VSLA also make follow up visit to their clients in order to provide business advice on monthly basis and they have created members working team who are guarantors and advisors. Capital formation (savings) services which ensures that that VSLA in Kayonza District make clients contribute monthly or weekly to the group savings, savings contribution is managed through rules and procedures, contributed fund is kept safe, clients to divide the saved funds at an agreed interval and clients has a right to refund once he withdraws from the saving group. These services positively influence the SME growth in Kayonza District in the sense that VSLA services has increased capital base increased of members business, increased profitability of the business, made business expand its branches, made members business acquire assets, made members business cash flow to improve and above all VSLA savings has made my progress from hand to mouth to planning for the future. This was justified by table 4.15 which showed the relationship between Village Savings and Loan Associations (VSLA) and SME growth in Kayonza District whereby the respondents N is 366 and the significant level is 0.01, the results indicate that independent variable has positive high correlation to dependent variable equal to .673** and the p-value is .000 which is less than 0.01. When p-value is less than significant level, therefore researchers conclude that variables are correlated and null hypothesis is rejected and remains with alternative hypothesis. This means that there is a significant relationship between Village Savings and Loan Associations (VSLA) and SME growth in Kayonza District. We can therefore conclude Village Savings and Loan Associations (VSLA) contribute to positive SME growth in Kayonza District.

 

Keywords: Financial Accessibility, Growth, Loan, Rwanda, Savings, Small and Medium Enterprise (SME), Village

The Existence Of Hukum Tua In Villages Government (Study About Hukum Tua On Responsibility Of Government Concept In The District Of Minahasa North Sulawesi Province Year Period Of 1945-2014) (Published)

Issues raised in this dissertation research is about tidal of existence Hukum Tua in governance villages in Minahasa, North Sulawesi Province, in various of State over the village setting. This research focus on secondary data from the literature that is supported by primary data obtained from a field research. Specifications of this research is qualitative analysis. Based on statement of problems presented, can be seen that the existence of Hukum Tua in governance villages in Minahasa, North Sulawesi Provinces has been good; responsibility as accountability (accountability) are performed in calculation (account) on the resources or authority to use, accountability as a liability (obligation) for the fulfillment, keeply, and fulfillment of achievement through agreements with the confidence (trust) communities, and accountability as causation (cause) of the aspirations of the people under the demands that have been accommodated in the task to accelerate the realization achievement of the goals and objectives desired. Hukum Tua liability in governance in various arrangements of State over the governance villages which has been from 1945 to 2014 is divided into four periods (1945 to 1979 period, 1979-1999 period, 1999-2004 period and 2004-2014 period) each with different characteristics on the procedural aspect of formal side. The conclusions research indicate that there a negative influence between existence Hukum Tua and enactmen variuos legislation on Local Government and Village Government

Keywords: Authority, Government, Hukum Tua, Village, responsibility