Browsing by Author "Maheswaranathan, S."

Now showing 1 - 2 of 2

Impact of Micro-Credit Programs on Eliminating Economic Hardship of Women
(University of Kelaniya, 2010) Maheswaranathan, S.; Kennedy, F.B.
It is often argued that micro-credit program interventions at the grassroots level increase the ability of the poor to deal with crises. Economists argue that micro credit program does not always bring development in the life of the grassroots’ level people. Hence, policy makers view micro credits financed by the organizations are, most of the time, not allowed to the poorest (refunding problems). This paper examines the relationship between the Micro-Credit programs and elimination of economic hardship of women. Ten in-depth interviews and 50 self administrated questionnaires were distributed among the beneficiaries of BRAC in Eravur Pattu Divisional Secretariat Division in Batticaloa District in order to collect data. The study reveals that there is a strong positive relationship exists between Micro-Credit Programs and Elimination of Economic Hardship of women. That is, most of the women in Eravur Pattu involve in micro credit process in order to manage their economic hardship of the families and it resulted in improving the quality of life than existed earlier. Microcredit loans empower the poor to seek alternative ways to improve their life styles. The in-depth interviews support that the micro credit programs should be extended to male in order to develop their quality of life. In addition recommendation and suggestions are given to strengthen the micro credit programs and to extend this program to male.
The Perception of Mobile Banking Adoption among the Students Community: With Special Reference to Eastern University
(Faculty of Commerce and Management Studies, University of Kelaniya, 2015) Subramaniam, V.; Maheswaranathan, S.
The banking industry gained the opportunity to improve the quality of services offered to their customers with a mechanism that marked the way for the introduction of sophisticated services at a negligible cost. M - Banking is one of the above and plays important role in various daily and routine activities. Banking transaction is one of a transaction process which is transformed by information technology through mobile phones. Mobile banking (M-banking) has dramatically grownup according to the increasing number of mobile device users. In recent years, Mobile banking has become a useful platform to easily access banking services. Therefore, the intended of this study is to find out the factors that contribute to the perception of mobile banking for the student’s community. Using convenience sampling method 100 students were selected from six faculties of the Eastern University, Sri Lanka and primary data were collected through administrated structured questionnaire. Considering the three variables such as perceived usefulness, perceived ease of use, and perceived security concern, this study was carried out among the student community. The main finding of this study indicates high level of perception in adaption of mobile banking among the student community.