Browsing by Author "Yogendrarajah, R."
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Item Challenges Facing by Women in Accessing Credit from Microfinance Institutions in Sri Lanka(2013) Yogendrarajah, R.; Semasinghe, D.M.Women are key instrument in the society and their role is very important in the world because they act dual role both in the family as well as society. The microfinance has an important role in empowering women in developing countries as well as in Sri Lanka by accessing credit facilities for their income generating activities to empower the rural women. With the conflict situation in Northern part of Sri Lanka, most of the men left from that area and they were unable to withstand by political condition. In this situation, many men were killed and women had to take the responsibility of the family as leaders. The Sri Lankan government has a responsibility to rehabilitate and revitalize the situation under post war development. MFIs provide their members with financial and social intermediation services to help improve their income generating activities. The aim of this study is to examine the challenges faced by women when accessing loans for income generating activities. This concept paper focuses on a review of academic literature on Challenges when accessing loans in empowering women through micro finance in Sri Lanka. For this purpose previous studies from developed and developing countries on this regards have been examined and then found out the solutions from the literatures. Finally, the conclusion of their studies has been analyzed and then provided a comprehensive literature by seeing the experiences and usefulness of the activities about the solutions for the challenges in accessing the loan facilities for income generating activities to empower poor women. Therefore it has been strongly feel that a look into empowering women and developing them with the support of the microfinance and the monitoring and creating awareness are important to eliminate the challenges facing by them in accessing credit from Microfinance Institutions.Item Contribution of Micro Credit Programme in Empowering Women: A Special Reference to Kilinochchi District in Sri Lanka(2014) Yogendrarajah, R.; Semasinghe, D.M.The prime objective of this study was to assess the impact of micro credit in empowering poor women before and after joining with micro credit programmes. The study was conducted at Kilinochchi District in Sri Lanka as one of the war affected areas. Both qualitative and quantitative methods have been used to obtain a reliable data. Data were derived from a questionnaire survey of a sample of 94 women clients and three focus group discussions were conducted involving 18 women while in-depth interviews were carried out with another 12. The paired sample statistics was used to find out the significant differences between before and after joining the micro credit programme. The study indicated that the income levels of the majority of the clients have increased after the delivery of micro credit. The results have also been shown in the enhancement of the women’s self-confidence with respect to the capability to work on their own and improve their lives. The study concluded that the microfinance activities are necessary for the overall empowerment except access of micro credit.Item Determinants of Capital Structure: Evidence from Listed Manufacturing Companies in Sri Lanka(Faculty of Graduate Studies, University of Kelaniya, 2015) Thusyanthi, R.; Yogendrarajah, R.Chosen the capital structure is one of the major influencing factors for the development of each company. Researcher choose listed firms in the manufacturing sector as a sample because the sector has grown faster and number of companies also more than any other sector in Sri Lankan economy. Further, the contribution of the manufacturing sector to total Gross Domestic Product (GDP) also higher and more compare with other companies and manufacturing industry is the important one in the country‘s economic development. In Sri Lanka, the above research work carried out by some authors in different periods. The purpose of this study is to fill this void to some extent by providing empirical evidence from a developing country‘s perspective. Here the researcher decided to carry out the research work from 2010 to 2014. It will be tested on the basis of the Trade off theory and pecking order theory. Researcher selected 34 listed manufacturing companies in Colombo stock exchange as a sample for this research purpose. Findings of this study are Tangibility significantly impact on long term debt and Profitability also significantly impact on total debt. The result of this study Profitability and tangibility was confirmed to be relevant determinant for Sri Lankan manufacturing companies, except Non debt tax shield, and Size. Tangibility, Profitability, Non debt tax shield, and Size do not appear to be significantly related to the debt to equity ratio. Through the findings can come to conclusion that Pecking order theory is more relevant to Sri Lankan context. It is largely consistent with the past empirical finding also. Findings should help corporate managers and decision makers to make optimal capital structure decisions.Item Empowering Women Entrepreneurs Through Micro Finance in Jaffna District, Sri Lanka: Challenges and Scenarios(Centre of Excellence for Scientific & Research Journalism, 2014) Yogendrarajah, R.; Semasinghe, D.M.Micro finance serves as a vital role for women entrepreneurship development in the developing countries as well as in Sri Lanka. As a result of 30 years conflict situation, women lost their male relatives in struggle, and forced to take a responsibility of their family in order to look after their children, aged parents and their male relatives. Micro finance institutions help the poor people particularly women in effective ways in order to create income generating activities. This study focuses the challenges and Scenarios associated with the adoption of microfinance as an instrument for empowering women entrepreneurs in Jaffna District in Sri Lanka. The prime objective of this study is to identify the challenges and scenarios in empowering women entrepreneurs through micro finance in Jaffna District. In this study the rural areas of Jaffna, Nallur, Kopay Divisional Secretariat Divisions, were selected as the sample size of population of women entrepreneurs who were involving in numerous self employable activities around 76 women. Both primary and secondary data were used for gathering information and quantitative and qualitative analysis was carried out to find out the results. To find out the results and check the validity and reliability of quantitative analysis the case study method also used in this study. In the quantitative analysis the correlation and regression method was used to find out the association between the variables of entrepreneurship challenges and needs and micro finance objectives by using SPSS. Three case study method also was included in this study that the women entrepreneurs were improved their activity by the support of micro finance institutions facing many challenges. The result of this study concluded that there is no significant relationship between the objectives of micro finance institutions and the needs of the respondents. In addition to this, using micro finance facilities create more job opportunities and variety of economic activities and improve household education, family welfare and empowering women themselves. Further this study shows that even though micro finance scheme is a strategy for increasing women entrepreneurs those who express their feelings on challenges and issues on marketing activities due to transport problem and financial difficulties. It is suggested that if much awareness will be created to enlighten the women entrepreneurs on record keeping, building assets, managing risk and increasing savings, it would be identified as the best strategy for helping poor women entrepreneurs’ access on financial and non-financial services in MFIs.Item Impact of Demographic Factors on Women Empowerment through Micro Credit – A Special Reference to Jaffna District(2013) Yogendrarajah, R.; Semasinghe, D.M.Rural women play a significant role in the domestic and socio economic life of the society. Therefore nations‟ development is not possible without developing this segment of the society. Women face numerous challenges in accessing education and health services, as well as economic development. Most micro finance organizations target poor women and usually who excluded from social groups. This study explores the personal demographic factors‟ influence on empowerment of women in Jaffna District. Quantitative method has been used for gathering information and purposeful sampling method has been used to collect the data. The survey instrument in the form of close-ended questionnaire was developed for the purpose of collecting the main data for the study. Regression analysis has been used to find out the impact of demographical factors on women empowerment and the Independent sample one-way Anova (f-test) and independent sample t-test (t-test) were used to identify the significant mean differences between the degree of women empowerment across the demographic factors. The results showed that the demographic factors surveyed education, occupation and experience influence on women empowerment and that have weak impact on them. Based on the findings, it has been concluded that there is no significant mean differences between the degree of empowerment across the education level, occupation and years of experience.Item Item Women Empowerment through Micro-credit: A Special Reference to Jaffna District(2013) Yogendrarajah, R.; Semasinghe, D.M.The prime objective of this study is to identify the association between micro-credit and women empowerment by giving opportunity for self-employment and the impact of micro-credit on women empowerment as well. This study focuses on women empowerment through micro-credit under post-war development in Jaffna District selecting five rural areas which are Chankanai, Sandilipay, Vaddukoddai, Uduvil, and Kondavil in Jaffna District. The information has been gathered by primary data from the rural women in the above selected areas and 66 responded out of 77. From the results, it is concluded that the micro-credit has significant relationship and positively correlated (0.752) with empowerment at 0.01 significant levels and its impact is crucial as well. It is suggested that the micro-credit facilities are essential in empowering women and developing the women entrepreneurs under post-war development.