Expanding Access to Financial Services

Ahmed, Maram

doi:10.1007/978-3-030-83209-4_6

Cited by 2 publications

(2 citation statements)

References 142 publications

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“…Successful examples from countries such as Ethiopia https://doi.org/10.1007/s44274-024-00108- 3 Research demonstrate the effectiveness of group loans in enhancing income [66]. The lessons learned from the Building Resilience and Adaptation to Climate Extremes and Disasters (BRACED) program in Wajir, Kenya, also emphasize the importance of financial literacy programs and improved access to banking services in promoting saving and investment [67]. The full establishment of a microfinance corporation proposed by the Tana River County Microfinance Act (2017) is pivotal.…”

Section: Adaptation Optionsmentioning

confidence: 99%

Vulnerability to climate change of coastal mangrove-dependent communities in the Tana Delta, Kenya: a local perspective

Mulonga,

Olago

2024

Discov Environ

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Coastal mangrove-dependent communities face various risks due to climate change, thus rendering them vulnerable. This study explored the vulnerability of these communities in the Tana Delta in Kenya using an indicator-based vulnerability assessment framework to better understand their exposure, sensitivity and adaptive capacity. Data was collected through household surveys (n = 377), focus group discussions (FGDs), and key informant interviews (KIIs). The analysis revealed mean vulnerability indices at the sub-location level ranged from 0.850 for Kipini to − 0.913 for Kilelengwani and − 2.702 for Ozi. The statistically significant indicators of vulnerability were (i) exposure—high temperatures and rainfall changes; (ii) sensitivity—household numbers, head of household’s age, dependents’ education, and dependents’ employment; and (iii) adaptive capacity—ownership of assets, access to community infrastructure and services, condition/quality of houses, total income, and alternative sources of income. The findings highlight the need for adaptation strategies that ensure greater financial assets supported by education and skills enhancement to utilize existing opportunities. Attention to community infrastructure and services is crucial. Policy should focus on financial, physical, and human assets to reduce community vulnerability alongside the continued conservation and management of mangrove resources. The results will help policymakers in addressing the impacts of climate change and benefit households in the study area. These insights can be applied to regions with similar climate conditions and livelihood systems.

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Section: Adaptation Optionsmentioning

confidence: 99%

Vulnerability to climate change of coastal mangrove-dependent communities in the Tana Delta, Kenya: a local perspective

Mulonga,

Olago

2024

Discov Environ

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“…This system can help reduce farmers' financial risks and facilitate their access to capital without paying large amounts of money up front. Post-harvest repayment system ijarah financing can be a solution for farmers (Ningrat & Nurzaman, 2019;Ahmed & Ahmed, 2021). From the previous explanation, it motivates researchers to conduct more in-depth research on ijarah financing with a post-harvest return system at BMT Maslahah Cabang Krucil to provide a solution for farmers who do not have the funds to manage their land.…”

Section: Introductionmentioning

confidence: 99%

Ijarah Financing Model for Farmers' Capital with a Post-Harvest Return System

Indawati,

Rusly,

Norhayati

2024

JIMKES

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The aim of this research is to determine the ijarah financing model for farmers’ capital with a post-harvest return system at BMT Maslahah Cabang Krucil. This research uses qualitative methods with data collection methods in the form of observation, interviews and documentation. One of the financing products offered by BMT Maslahah Cabang Krucil is ijarah financing with a post-harvest repayment system whose aim is to make it easier for farmers to obtain capital. Members who borrow capital with a post-harvest repayment system can return the capital they have borrowed in several harvests and the collateral required is also not that difficult, but BMT Maslahah The Krucil Branch continues to apply caution in providing loans. So this is one of the factors of public interest in ijarah financing with a post-harvest repayment system and at BMT Maslahah, the Krucil Branch does not apply an interest system but applies a profit sharing system. Where members can pay profit sharing. At the beginning of the loan period or paying in installments every month but cannot pay in full at the end of the due date.

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Expanding Access to Financial Services

Cited by 2 publications

References 142 publications

Vulnerability to climate change of coastal mangrove-dependent communities in the Tana Delta, Kenya: a local perspective

Vulnerability to climate change of coastal mangrove-dependent communities in the Tana Delta, Kenya: a local perspective

Ijarah Financing Model for Farmers' Capital with a Post-Harvest Return System

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