Tourism Entrepreneurship as Correlate of Employment Opportunities and Infrastructural Facilities Improvement in Osun Osogbo Sacred Grove of Osun State, Nigeria

 Jegede Charles Temitope 

 Abstract

Tourism entrepreneurship has become an important sector to both advanced and developing nations including Nigeria. It is seen as capable of being an agent of change in the landscape of economic, social and environment of a tourist destination. It has also generated employment opportunities to the communities and a major driver of infrastructural development in all countries of the world. This paper x-rayed tourism entrepreneurship in Osun Osogbo Sacred Grove of Osun State, Nigeria with a view to examining correlation between tourism entrepreneurship and employment opportunities and tourism entrepreneurship and infrastructural facilities improvement. The Correlational research design was adopted. Two null hypotheses were formulated and tested at 0.05 level significance. The questionnaires were administered using multistage stratified random sampling technique to select the one hundred and fifty (150) respondents adopted for the study. Data were collected using fifteen (15) items four points likert scale questionnaires while Pearson product moment correlation statistical analysis was used for data analysis .The Result revealed that there is significant relationship between tourism entrepreneurship and employment opportunities and tourism entrepreneurship and improvement in infrastructural facilities. The study concluded that tourism entrepreneurship is an agent of employment opportunities and infrastructural development. Government and private investors should fund this sector in order to attract foreign visitors like it does in countries like Jerusalem (by Christians) Tibet (by Buddhists) and mecca (by Muslims).

Keywords: Employment Opportunities, Correlation, Infrastructural Facilities, Sacred Grove, Tourism Entrepreneurship

Introduction

Tourism entrepreneurship is the most attractive and the fastest growing entrepreneurial industry in the world. Tourism entrepreneurship in 2005 turned out to be the second largest entrepreneurial industry and accounted for global Gross Domestic Product (GDP) (Rosli & Azhar, 2007).

In Malaysia the tourism entrepreneurship has experienced impressive growth as it contributes to foreign exchange, investment and employment opportunities as well as strengthening the services account of the balances of payment (Sheldon and Var, 1989).

According to UNCSP (1999) tourism entrepreneurship is the world’s largest entrepreneurship industry and creator of jobs across national and regional economics. It stated further that net has been significantly improved through contribution of tourism entrepreneurship.

Elliott and Mann (2005) asserted that tourism entrepreneurship’s role in development has evolved significantly, providing not just foreign exchange economic growth and employment but also an opportunity for host community participation in biodiversity conservation, urban growth, infrastructure overhaul and planning urban and rural development, environmental restoration, coastal protection and cultural heritage preservation.

Glasson Godfrey & Goodey (1995) argued that tourism can be a catalyst for socio-economic development by means of providing and generating employment, exchange earnings, balance of payment and infrastructure benefiting both local and tourists.

In a field study conducted by Mbaiwa (2003), he found out that people were employed in tourism related businesses, such as lodges hotels financial institutions and the handicraft industry in the Okavango, Bostwana.

 According to Sam et al. (2014) tourism entrepreneurship has been regarded as a means of economic modernization in various indicators including living conditions, ability of life and well-being of population.

In Nigeria for instance tourism sector has been neglected until recently when the new government identified tourism entrepreneurship as an employment venture that can boost the economy and reduce the unemployment rate in the economy and reduce   the unemployment rate in the country.

It is against this backdrop that this paper examines tourism entrepreneurship as correlate of employment opportunities and infrastructural improvement in Osun Osogbo Sacred Grove of Osun State, Nigeria.

Objectives of Study

The objectives of the study are to

  1. examine the correlation between employment opportunities and tourism entrepreneurship development in Osun Osogbo Sacred Grove of Osun State, Nigeria.
  2. assess the correlation between improvement in infrastructural facilities and tourism entrepreneurship development in Osun Osogbo Sacred Grove of Osun State, Nigeria.
  • make appropriate recommendation to improve tourism entrepreneurship for socio-economic development in Osun Osogbo Sacred Group of Osun State, Nigeria.

Literature Review

Concept and Challenges of Tourism Entrepreneurship

Sinclair and Stabler (1997) defined tourism entrepreneurship as the professional application of knowledge, skills and competencies or monetizing a tourism related new ideas, by an individual or a set of people by launching an enterprise or diversifying from existing in order to pursue growth while generating wealth employment and social good.

Morrison et al. (2001) also defined tourism entrepreneurship as activities concerned with the survival and securing sufficient income in the hospitality business.

Saaymon & Saaymon (1998) regarded tourism entrepreneurship as activities related to creating and operating a legal tourism tourist’s enterprise. It also includes all activities and interplay that happens in a period of tourist journey.

Seyed et al. (2013) identified the challenges of tourism entrepreneurship in Mazandaran.

They include:

  1. Financial constraint
  2. Lack of infrastructural development
  • Barrier cause by international sanction
  1. Cultural barriers
  2. Tourism entrepreneurship inertness
  3. Insufficient tourism marketing; and
  • Insecurity

Ijason and Izobo (2012) argued that many obstacles to tourism entrepreneurship are in efficient publicity, political instability, lack of interest, financial constraint, inadequate government intervention, emigration of the youth and communal conflict among others.

Tourism Entrepreneurship Development and Employment Opportunities

Tourism Entrepreneurship is one of the leading job creators in the world The industry employs more than 98 million people directly representing over 3 percent of all employment. When indirect and induced impacts are included the industry contributes to around one in eleven jobs worldwide.

For instance in Nigeria, tourism entrepreneurship plays significant roles in socio-economic development of the country.  This is because it contributes towards alleviating the major political social and economic problems that characterize the rural and urban centers (Ojo, 2014).

In Nigeria, the contribution to government revenue from levies on Hospitality Sector (registration and other charges) recorded N179m in 2004 while N190m was generated by company tax (National Bureau of Statistics, NBS). In 2011, the industry contributed about N1,232 billion (3.3 percent) to the GDP in Nigeria (Sam et al, 2014). From the foregoing, the only way to have sustainable tourism is through the development of the entire neglected tourist sites in the country. This would translate to increased contribution towards gross domestic

 product, employment generation, improved economic and social progress within Nigeria and

Africa as a whole.

Elochukwu (2012) maintained that tourism industry offers opportunities in jobs creation and strengthening of the nation’s economy. According to WTO (1998), Nigeria will gain a rise in employment of 897,500 which will translate to N252bn in investment equivalent to 1.6 percent increment and 1.4 percent annually with the aim of hitting 5.4 percent in 2022.

Munzali (2011) also agreed tourism entrepreneurship development generated 838,500 jobs directly in 2011 (1.4 percent of total employment) and this was forecast to grow by 7.0 percent in 2016 to 897,500 jobs.

Tourism Entrepreneurship Development and Infrastructure

The strong link between tourism entrepreneurship development and infrastructure has been

theoretically established by a numbers of scholars including Gunn (1998) and Inskeep (1991). They cited the infrastructure potential determinant of the attractiveness of a tourism entrepreneurship destination. They stressed that a good road enhances accessibility of tourists to different part of the destination while sound airport infrastructure ensures that tourist experience a comfortable transition from plane into the borders of the destination country and vice versa

In a study conducted by Gearing (1974), he found out that infrastructure (comprising electricity, roads, water, safety services, health services, communication and public transportation) is a key determinant explaining tourist arrivals.

In Nigeria for instance, Government commitment to develop most especially communities with tourist attraction sites in have resulted in the development of modern towns and cities in Nigeria.

Etefia (2004) argued that improvement in infrastructural development is paramount to tourism entrepreneurship development. Nigeria Government commitment in provision of basic amenities of life such as electricity, good roads, pipe borne water, communication network of standard, improvement of facilities of hotels and guest houses and provision of adequate security network through the localization of police and civil defense stations in most communities is a big boost to the tourism entrepreneurship development sector.

Research Methodology

Research Setting

This study was carried out in Osogbo, Osun State, Nigeria. Osun Osogbo Sacred Grove is in the  heart of Osogbo the capital  of Osun State founded  some 400 years ago in South west, Nigeria. The dense forest of the Osun State Grove is one of the last remnants of primary high forest in Southern Nigeria. The group was inscribed as a UNESCO WORLD Heritage Site in 2005. It is an active religious site where daily, weekly and monthly worship takes place. In addition an annual processional festival is celebrated in the month of august at the place. The Grove is also a natural herbal pharmacy containing over 400 species of plants, some endemic of which more than 200 species are known for their medicinal uses. The group is seen as a symbol of identity for all Yoruba people, include those of the Africa diaspora, many of whom make pilgrimage to the annual festival.

Sampling Method and Survey Decision

A sample of one hundred and fifty (150) respondents from 45 years and above were selected for the study from Osogbo community which includes worshippers of Osun Osogbo and indigenes of the town. The correlational survey design was employed.

Research Instrument

A well-constructed and validated instrument was used for data collection. The instrument was designed into two sections. Sections “A” consists of respondents personnel data while section B consists of ten item on issue that relate to the variables.

A test – retest reliability estimate was calculated using 30 respondents from Osun Osogbo worshippers and indigenous of the town.

The calculated reliability analysis coefficient range of 0.86 to 0.89 was obtained. The data collected for the study was analyzed using Pearson product moment correlation statistical technique to examine the relationship between employment opportunity and improvement in infrastructural facility on tourism entrepreneurship development in the Osun Osogbo Grove of Osun State, Nigeria.

Table 1

Pearson Product Moment Correlation Analysis of Relationship between Employment Opportunities and Tourism Entrepreneurship Development in the Osun Osogbo Sacred Grove of Osun State.

The results of the data analysis in the table 1 shows that the calculated r-value of 0.97 is greater than the t-critical value of 0.195 at .05 level of significant with 148 degree of freedom. From the above result obtained, the null (Ho) hypothesis was rejected while the alternate (H1) was upheld and retained.

This implies that there is a significant relationship between employment opportunities and tourism entrepreneurship development in the Osun Osogbo Sacred Grove of Osun State, Nigeria.

Table 2

Pearson Product Movement Correlation Analysis of Relationship between Improvements

Infrastructural Facilities and Tourism entrepreneurship Development in Osun Osogbo Sacred Grove of Osun State, Nigeria.

From data analysis in Table 2, the calculated r-value of 0.96 is greater than t-critical value of 0.195 at 0.05 level of significance with 148 degree of freedom. Based on the result of the finding, the null (Ho) hypothesis was rejected while the alternate (H1) hypothesis was upheld and retained.

This attests to the fact that, there is a relationship between improvements in infrastructural facility on tourism entrepreneurship development in the Osun Osogbo Sacred Grove of Osun State, Nigeria.

Discussion of Findings

Research findings show that tourism entrepreneurship plays an important role in this socio economic development of the community.

It is a major driver for the development of infrastructural facilities and also a tool for job creation.

These empirical findings corroborate Ojo (Ibid) that tourism entrepreneurship is an agent of socio-economic development

Conclusion

This study has examined tourism entrepreneurship in Osun Osogbo Sacred Grove, Osun State, Nigeria. The research findings from data analysis show that there is a significant relationship between employment opportunities and tourism development in Osun Osogbo Sacred Grove, Osun State, Nigeria.

Moreover, there is a significant relationship between improvement in infrastructural facility and tourism entrepreneurship development in Osun Osogbo Sacred Grove, Osun State, Nigeria.

Finally, tourism entrepreneurship is an agent of employment opportunities and socio-economic development.Government and private investors should fund this sector in order to attract foreign visitors like it does in countries like Jerusalem (by Christians), Tibet (by Buddhists) and Mecca (by Muslims).

Recommendations

  1. Government, individuals and private investors should fund the development of tourism entrepreneurship to stimulate infrastructural development and job creation.
  2. Government should make policy that will facilitate tourism entrepreneurship development in all tourist sites in the country. This will create job opportunities and     improve infrastructural development.

iii.      Nigeria school curricular at both primary and secondary levels should be reviewed so that   entrepreneurship could be incorporated as compulsory subject in order to start grooming       a generation of tourism entrepreneurs in the country.

  1. There should be an effective campaign in the media about tourism and tourism sites in the

           media about sites in the country to encourage internal demand for tourism.

References

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Influences in Sub Sahara Africa” Occasional Paper Series, The GW Center for the Study of Globalization (http://www.saintmarys.ed/).

[2] Elockukwu, A. (2013). “Community Development and Tourism: A Socio-Economic Analysis

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[3] Etefia, T. E (2014).‘‘Tourism for Senior Secondary Schools and Colleges’’ Calabar: Ephraim Printers.

[4]Gearing, C. E (1974). ‘‘Establish a Measure of Touristic Attractiveness’’ Journal of Travel Research 12: 1-8.

[5] Glasson, J., Geoffrey, K. & Goodey, B. (1995). “Towards Vistor Impacts, Carrying Capacity and Management Responses in Europe’s Historic Towns and Cities”, Avebury, England.

[6] Gunn, C. A. (1998) ‘‘Tourism Planning (Second Edition)’’ New York: Taylor and Francis.

[7] Inskeep, E. (1991) ‘‘Tourism Planning: An Integrated and Sustainable Development Approach’’, New York : Van Rostrand

[8]Mbaiwa, J. E. (2003).“The Socio-Economic and Environmental Impact of Tourism Development         on the Okavango Delta, North-Western, Bostwana’’, Arid Environments, 54, 447 – 467. 

[9]Morrison, A., Baum, T. and Andrew, R. (2001). “The Lifestyle Economics of Small Tourism

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[10]Munzali, A. D. (2011) ‘‘Tourism Development in Nigeria: Challenges and Prospects for Resource Diversification’’.

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Government: A Case Study of Idanre Local Government” Academic Journals 6(2): 29-35.

[12] Rocheller, T. and Zachary, S. (2013) ‘‘Travel and Tourism as a Driver Employment Employment Generation’’The Tourism  and Competiveness Report, 63-69.

[13] Rosli, M. M. and Azhar, H. (2007) “The Determinants of Domestic and International Tourism Development: Some Evidence from Thailand” Proceeding of the 8th International Joint World Cultural Tourism Conference 2007: International Culture and Regional Tourism, Busan, South Korea,  : 176-183.

[14]Saayman, M. & Saayman, A. (1998) “Tourism and the South African Economy: Growing

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A Review on Impact of Teacher Training Programs on the Attitude of Teachers

Reuben Nguyo Wachiuri

Abstract

The purpose of this paper is to look into the impact of teacher training programs on the attitude of teachers. The preservice and in service programs were considered. Various aspects were looked at such change of attitude towards inclusion, use of ICT, teaching profession, micro teaching and so forth. The results show that teacher training impacts positively on the attitude of the teachers. Notwithstanding individual teachers have particular temperaments and personality traits that influence how they approach new ideas and situations. Thus, learning outcomes in teacher education are a function of both what programs offer and what teacher trainees bring to the training course. It is also worth noting that at times experienced teachers did not have a change of attitude but they had an improvement in their efficiency. In some cases teachers change in attitude did not translate to a change in behavior due to lack of facilities in the schools.

Key Words: Attitude, pre service training, in service training, teacher trainee

Introduction

Education is undergoing transformations across different parts of the world including Africa. The reform impulse has seen the rise and construction of new learning standards and assessments which will only work if there is investment in the capacity of educators to work together effectively. It’s time to clear away non-essential demands and build capacity in our schools for smarter teaching and learning. Educators are ready for it, students deserve it, and our future prosperity and security require it (Valerie Strauss, 2013). Improving teachers by building their capacity in their professional and personal life is important in the process of reforming education.

Today, students need to learn how to transfer knowledge and skills to real-world problems by communicating and collaborating in groups locally, nationally, and globally to find creative solutions that are innovative, efficient, and sustainable (Valerie Strauss, 2013). Instead, we have 21st century learners being taught by 20th century teachers in a 19th century educational system (Asia Society, 2012). Because of the globalized world’s new demands for careers and life in the 21st century, international educational leaders are transforming outdated educational systems to reflect a variety of instructional strategies and assessments that will engage multicultural and diverse student populations.

According to Trorey and Cullingford (2002), teachers are central to the capacity of schools to perform and no amount of policy reform will make education more effective unless teachers are

part of the change. One of the fundamental facts that educators and teachers have to bear in mind

is to know how important it is to have the ability to stay current and utilize the most up to date

information. Continuous provision of teachers needs through different forms of support such as

training and other forms of career development are a crucial component in nearly every modern

proposal for educational improvement. Regardless of how schools are formed or reformed, structured or restructured, the renewal of staff members’ professional skills is considered

fundamental to improvement.

Global trends show that majority of our teachers have had opportunities to attend well developed and thoughtful workshops on how to transform teaching and learning. However, the enthusiasm engendered by the workshops wane when they return to the classroom and the reality of the thousands of other things that have to be done in order to achieve effective teaching and learning (Joyce and Showers, 2002).

 

Attitude on Inclusion

            There is some evidence that an important predictor of successful integration of students with disabilities in regular classrooms is the positive attitude of teachers (Sharma, Florin, Lowerman & Earle, 2006; Al-Khatteb 2004; Avramidis, 2001; Mowes, 2000; Elloker, 1999; Gadium, 2002; Dover, 2002; & Mckeskey & Waldrom, 2002). Research evidence also sugggests that positive teachers’ attitudes towards inclusion often begins during pre-service teacher preparation (Jung, 2007; Avramisids, Bayliss, & Burden, 2001; Campbell, Gilmore, & Cuskelly, 2003; Shippen et al.,2005). Subban and Sharma (2007) pointed out that if teachers leave from the university with negative attitudes then those attitudes are difficult to change. Consequently, positive attitudes can and need to be fostered through both training and positive experiences with students with disabilities.

            The effect of teacher preparation for inclusion is known to have significantly affected pre-service teachers’ attitudes in both Jordan and UAE. Teacher efficacy in implementing inclusion directly affects their practices and attitudes toward including students with disabilities in general education (Sharam, et al., 2006; Pace, 2003). Both males and females had negative attitudes towards people with disabilities in both Jordan and the UAE. One reason for the negative attitudes of males and females could be that pre-service teachers in this study had not been informed that students with special needs would be included in their classrooms and that, as general educators, they do not prefer to be responsible for teaching students with disabilities in the regular classroom. Other reason could be attributed to the fact that the number of male students in this study was small (Al Zyoudi M., Al Sartwai A. & Dodin H.2011).

            Jordanian pre-service teachers had more positive attitudes than their counterparts in UAE. This result could be attributed to the fact that UAE as a nation is relatively new, having been established in 1971; hence, much of its effort has been devoted to creating new programs and services in all aspects, particularly in education. These efforts are still in early stages and need more time to prove their effectiveness. In contrast, Jordan has a long history of providing education for all students. Education in Jordan has received much attention and improvement including preparation of teachers, programs and curriculum. These developments play a major role in improving the quality of services and programs which reflects on improving pre-service teachers attitudes towards inclusive education. This interpretation seems supported by Sharam et al., (2006) who concluded that pre-service teachers from Western countries (i.e. Australia, and Canada) had more positive attitudes toward students with disabilities than their Eastern counterparts (i.e. Hong Kong and Singapore).

            Pre-service teachers in the UAE considered the absence of appropriate materials and equipment as barriers to successful inclusion. Pre-service teachers in this study were critical of the services provided for students in general education classrooms. On the other hand, in Jordan, pre-service teachers showed positive attitudes towards inclusion, because they found appropriate resources that facilitated successful inclusion. This result is supported by Alzyoudi (2006) who found a strong relationship between sufficient resources and successful inclusion. Pre-service teacher education must, therefore, be concerned with the promotion of teacher attitudes as well as instructional competences (Andrews, 2002; Reinke and Moseley, 2002).

            Pearson (2009) says that teacher education is a context in which changes in attitudes, beliefs and values do occur. Atkinson (2004) and Forlin et al. (2009) note that if the negative attitudes of pre-service teachers are not addressed during initial teacher education, they may continue to hamper the progress of inclusive education efforts in schools. Training in special/inclusive education has consistently been found to have influenced educators’ attitudes (Campbell et al., 2003; Cook, 2002). Lancaster and Bain (2007) agree that in general, there is a positive change in attitudes after undertaking an inclusive/special education unit of study and this is the case across a number of contexts and countries (Ching et al., 2007; Kyriakou et al., 2007).

            However, Molina (2006) found research evidence to demonstrate that theoretical classes and reading are not sufficient to modify teachers’ and students’ negative attitudes towards pupils with special educational needs. Loreman et al. (2007b) conclude that if pre-service teachers are going to develop positive attitudes towards inclusive education, they need opportunities for direct interaction with people with disabilities, instruction on policy and legislation relating to inclusive education, and opportunities to gain confidence in practical teaching situations with students with disabilities.

            Johnson and Howell (2009) also show that attitudes are amenable to change through a course and an assignment that involve the analysis of case studies in inclusive education. Elhoweris and Alsheikh (2006) suggest that attitudes can be improved by increasing students’ knowledge about learners with disabilities and ways to meet their learning needs and suggest that teacher education programmes may need to include more alternative learning styles and instructional strategy.

            Lambe (2007) found that successful teaching practice in the non-selective sector had the most positive influence on perceived competency and on general attitudes towards inclusion.  A study by Yellin et al. (2003) however, concluded that mere exposure to students with additional needs may not be enough to change attitudes in a positive way –it is the quality of experiences which produces real change. Campbell et al. (op. cit.) provided a one semester course on human development and education and field work with learners with Down syndrome. Following this, students felt significantly less discomfort, uncertainty, fear and vulnerability when interacting with people with disabilities. They also reported feeling less sympathy, an outcome also noted by Tait and Purdie (2000) which may indicate a more relaxed approach to disability as opposed to an overly sympathetic view.

            Studies overseas have found that many teachers have less than positive attitudes towards students with disabilities and their inclusion in general education classrooms (D’ Alonzo, Annemaree Carroll and Giordano, & Cross, 1996; Vaughn, Schumm, Jallad, Anne Jobling, Slusher, & Saumell, 1996). In a study of teachers in rural British Columbia, it was established that both their in service and preservice education had inadequately prepared them for the realities of inclusion (Bandy & Boyer, 1994). Teachers reported a high percentage of children with special needs in their classrooms who had a wide range of disabilities. They revealed a grave concern pertaining to the lack of support services available to the students and themselves, and disclosed a perceived inability to provide optimal educational programs to children with special needs because of inadequate teacher preparation and lack of adequate resources. Of 231 teacher trainees in Northern Ireland and Scotland, 96 percent indicated that they did not believe their professional training had prepared them to meet the challenge of inclusive education (Wishart & Manning, 1996). Another study conducted in 45 states in the U.S.A. concerning inclusion reported that respondents did not feel prepared to meet the needs of their students with disabilities (Lombard et al., 1998).

            Hickson, (1995) asserts a positive attitude change towards people with disabilities was noted on completion of a mandatory disability course component. In addition, attitude formation and change were also linked to contact with people with disabilities. In an Australian study, Forlin, Jobling, and Carroll (2001) identified several factors that were related to interactions with people with disabilities for a group of preservice teachers. It was found that preservice teachers had a high level of sympathy toward people with disabilities, were fearful of being disabled, and felt vulnerable in interactions with people with disabilities.

            A survey of teachers undertaken by the Queensland Government (Disability Services Queensland, 1999) further reported that 86 percent of the respondents considered that others would not feel relaxed and comfortable when interacting with people with a disability. Annemaree C., Chris F. & Anne J, (2003) observed that the most noticeable improvement regarding interactions with a person with a disability was that preservice teachers felt less ignorant, more able to act normally and surer of how to behave, once they had completed the course. They also demonstrated less pity and a greater focus on the person rather than the disability.

 

Attitudes on Computer Information Technology (ICT) Usage

            Teo, T., Lee, C. B., & Chai, C. S. (2007) study shows that perceived usefulness, perceived ease of use and subjective norm were significant determinants of pre-service computer attitudes. Facilitating conditions did not influence computer attitude directly but through perceived ease of use. These findings demonstrate that social norm and facilitating conditions are potential variables that may be used to extend the Technology Acceptance Model (TAM) for research on computer attitudes.

Wong et al (2005) examined the use of the Internet among 310 pre-service teachers using questionnaire survey method. They found that pre-service teachers’ use of the Internet was influenced by support from friends, confidence level, attitude towards the Internet and perceived usefulness (PU). Khine (2001) studied 184 pre-service teachers to examine their use of Information Communications Technology (ICT) through studying their attitudes towards computers and found a significant relationship between Computer Attitudes (CA) and its use in the institution. Yuen & Ma (2001) administered the Chinese Computer Attitude Scale for Teachers to 216 secondary teachers in Hong Kong to examine the factors that influence the instructional use of computers and their results revealed that affective attitudes, general usefulness, behavioral control and pedagogical use were significant in determining the use of ICT among teachers, accounting for 37% of the model specified. You can read more on the website.

            A key reason for studying teachers’ CA is the ability of attitudes to predict computer usage. Research has shown that a teacher’s attitude towards the computer is a major predictor for future computer use (Myers & Halpin, 2002) and their need for learning computing skills that in turn will lead to computer literacy (Zhang & Espinoza, 1997). For example, Yildirim (2000) found that teachers who used computers more would tend to develop positive attitudes that promote further use of the computer in their daily teaching tasks and conduct activities that require computers to play a major role in, for example, computer-mediated forums.

 Attitude on other Variables

            In a study in Iran, Shahmohammadi (2014) noted the short in service training course significantly affected the teachers’ attitude in the learning environment which includes: Relationship with Students, Presentation and Culture and Adjustment and not in Individuals and Activity. The reason being, they had already developed a positive attitude towards the same during their teaching practice and teaching experience. According to Senior (2006) it is nearly impossible for teacher to implement all the principles of teaching that they have been taught in training courses since these courses are overloading teachers with a plethora of methods, and teaching skills. This may account for the high number of mistakes in the two areas of presentation and execution/method.

            Shahmohammadi (2014) also asserts that in some cases there was a mismatch between the student teachers’ attitude and their teaching practice in class. That is to say they failed to put into practice what they valued .The researchers are of the opinion that the reason why the teachers did not follow some of the training guidelines might be due to their being overwhelmed with a surplus of principles on the one hand and being new to the atmosphere and inexperienced on the other. This might have made it difficult for them to make on the spot decisions in spite of their willingness to do so. This finding supports Ajzen’s (1988) claim that teachers’ attitudes may be something and their actual behaviors may be something else based on the opportunities and resources available to them. This point is consistent with the common observation that some teachers who agree with particular types of activities do not carry them out in their classrooms. For these teachers, attitude is not predictive of their behavior. The point to remember is that teachers’ inadequate performance should not be considered as an indication of their incompetence. If they are given enough time and practice they would probably gain the confidence to be more judicious in their decision making.

            Researchers have observed that some experienced teachers also did not follow the training course guidelines. The reason might be the incompatibility of what the teachers had gained through years of experience and what was introduced as sound practice in the training course. Their experience might have convinced them that what the training course introduced as effective practice was not feasible. This case is also in line with what Hollingsworth (1992) has theorized. He claims that prior knowledge and experience serve as a filter to pedagogical learning during the pre-service years, altering how pedagogical instruction is learned and enacted by teachers. This was actually observed in this study since some teachers who had a few years of experience in teaching did not follow exactly what was prescribed to them in the training course and preserved their previous beliefs and personal theories. As individuals, teachers have particular temperaments and personality traits that influence how they approach new ideas and situations. Thus, learning outcomes in teacher education are a function of both what programs offer and what teacher trainees bring to the training course.

            Srivastava (1989) attempted to study the impact of teacher education programme of Lucknow University on pupil- teachers’ attitude and teaching efficiency. The findings of study were: Most of the trainee groups changed their teacher attitude positively and significantly after training.  However the experienced male trainees did not show any change in their teacher attitude, there was no significant change in the teacher-aptitude of the male postgraduate student-teachers and the experienced female trainees as a result of the training. All the trainees showed significant and appreciable improvement in their classroom teaching performance, after the completion of the training, the females showed better teacher-attitude and aptitude than the male trainees. Male trainees showed better teaching efficiency than female trainees, and the trainees teaching social sciences showed better teaching efficiency than those teaching science and mathematics.

            Roy (1991) examined the impact of the elementary teacher education programme on attitudinal change of the elementary teacher-trainees of Orissa towards community involvement. The elementary teacher education programme with the elements of community involvement, both in theory and practice, positively affected the change in attitude of the student-teachers towards community involvement. Both the categories of student-teachers were almost equally prone to change in their attitude towards community involvement. Previous teaching experience had no role to play in the change in attitude of student-teachers towards community involvement.  The degree of interest in teaching was responsible for accelerating the development of attitude towards community involvement.

            Ramachandran (1991) attempted to conduct an enquiry into the attitude of student-teachers towards teaching. The findings of the study were: Regular college teacher-trainees had a more favorable attitude towards teaching than the correspondence course teacher-trainees, female teacher-trainees had a more favorable attitude towards teaching than male teacher-trainees, the sons and daughters of teachers had a highly favorable attitude towards teaching. Post Graduate (PG) teacher-trainees had a more favorable attitude towards teaching than undergraduate teacher-trainees; the nature of the course did not influence the attitude of teacher-trainees towards teaching.

            Yadav (1992) studied the impact of teacher training on certain personality characteristics of trainees. The findings of the study were:  All the dimensions of self-concept increased through teacher training except the feeling of inadequacy which decreased. Social maturity of the teacher-trainees increased in all the dimensions except for self-direction, personal adequacy and enlightened trust; the teachers’ training had a significant influence on their self-concept, social maturity and attitude towards the teaching profession.

            Fortune, et al. (1965) designed a questionnaire to assess attitudes of students towards micro teaching technique in Stanford summer micro technique clinic. The result was quite encouraging. It was found that 60 percent of the participating students reported their micro teaching experience either very or extremely valuable. Dhadwal (1981) in his study of attitude of B.Ed. trainees towards teaching profession found that trainees belonging to urban areas have more favourable attitude as compared to those belonging to rural areas. Men have less favourable attitude as compared to women towards teaching profession. Raina (1990) found that there was no significant difference in attitude towards teaching profession. Between the in-service education science, arts and commerce teachers differed significantly in their attitude to teaching.

Shukla (1997) conducted a study on the attitude of the college teachers towards their profession and found that majority of teachers show favourable attitude towards their profession. Female teachers show greater positive attitude than male teachers.

            Sali (2003) studied the attitude of teachers towards four aspects of in-service training programme i.e. content enrichment of school subject, teaching methods, new trends in education and innovation in education and interpreted favorable attitude towards different aspects. Depaul et al. (2003) studied the difference in the attitude of elementary school teachers towards in-service education in between non graduates, graduates and post-graduate, married, unmarried, urban and rural. The result showed that there is no significant differences between the mean attitude score towards the in-service education with regard to different variables.

Conclusion

 The review shows that the teacher training programmes have an impact on teachers’ attitudes towards various aspects in the teaching profession. Both preservice and in service programs were looked into. It is also notable that not only do the programs influence the attitude of the teachers but also their past experiences and personality traits. Moreover, the attitudes of the teachers do not always translate to behavior change due to lack of equipment and materials.

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Writing as a Process of Reconstructing and Reforming Fractured Communities

 Pratibha Singh

Abstract


Though India is mounting towards development in varied fields but cast system conversely, till present, situates as an encumbrance in the overall augmentation of the nation, overlooking a substantial amount of inhabitants. The way Dalits are treated in India is similar to the way African-Americans were pressed to the periphery and looked down upon in America. This hierarchy has been apparent not just in the social order but in literature as well. The atrocities of both these marginal groups were not endowed with adequate magnitude or voice and hence, the subaltern was not a component of the literary canon for a very extensive period of time. It is solely through their ceaseless endeavors that they have made their way from the edge towards the core. Progressively the ever hushed and tangential subaltern groups started putting across their unfortunate experience by sharing them with the outside world through writing. These writers, through minority groups chose to share their tribulation through the medium of writing in order to harmonize and to fortify the sufferers with positivity as well as to claim parity and sovereignty. Dalit and African-American communities have had a comparable experience of chronological marginalization which led to their united resentment. However, Literature has the potential to connect the past with present and also, at the same time, assists the country, society and individual to reconsider their concerns. Therefore, I will take up the following texts in my paper and highlight the above mentioned ideas.

In, Autobiography of An Ex-Colored Man (1912), James Weldon Johnson, represents the position of a Mulatto protagonist, residing in America under conditions of white dominance. The narrator-protagonist in the novel illustrates the consequences of racial discrimination and brutality on the protagonist’s subjectivity and worldview. His problematic state further leads to ambivalence of his identification with his (legally) black and (visibly) white societies and his eventual resolution to get ahead as a white in order to escape the disgust of racism.

A similar kind of revelation of discrimination can be noticed in the writings of Bama Faustina Soosairaj, a Dalit writer from Tamil Nadu, who bears a sense of labor and purpose in her writing. She stands as a challenge for the Indian literary canon merely for a few reasons; first of all, she is a woman and second and most importantly she is a Dalit woman. She stimulated the tranquil world with her first piece of writing that was published in 1992, Karukku , followed by Sangathi. She shared her experiences with the whole wide world through writing and has been a notable part of Literature ever since. In Karukku, Bama exemplifies her identity dilemma of being a Dalit and her struggle for survival against patriarchy. Through her writing, she describes the importance of empowerment, education and employment for those who are exploited for various years. She reinforces the fact that for a better living, eradication of untouchability is imperative, so that the victims of Casteism can take pride in their true identities.
These examples make the fact very evident that in order to come out of their trivial state(s), these writers chose to facilitate writing as an expression of their uneven past. Writing was used as a tool by such marginalized and oppressed writers to awaken the consciousness of the population and also to heal themselves through the written word.

My paper, through the chosen texts/writers, will try to explore the importance of writing one’s experiences down and the way it helps in converting a fragmented identity into a complete whole.

KEYWORDS: Dalit, African American, Fractured subaltern communities, Progression.

            Marginalization is an immense impediment faced by a variety of sections of the social order. A number of communities have been pushed to the periphery of the society from a very extensive period of time. These sections have had experience of enormous containment and inequity. The focus of such communities is greatly upon declaration of human rights, individuality, mutiny against inequality and desire for a new-fangled society; devoid of favoritism. Literature of the marginalized confers such two dissimilar Diasporas but one general idea of humanity in Black Americans and Dalit Indians.
Dalits and African-American communities have had an analogous experience of chronological marginalization, which further escorted to their cohesive resentment. However, Literature has tried to incorporate and support these marginalized sectors, it has given tone of expression and prospective to these sections to amalgamate past with present and also, at the same time, aided the nation, civilization and individual to reassess their apprehension. Both these literatures have a facet of remonstration and to rummage for identity. They have elevated plenteous voices to emphasize their tribulations. This paper shall discuss the significance laid by the marginalized writers on the act of writing and recording their brutal experiences. For such writers, the act of sharing and unfolding the bruised history of neglected communities becomes an act which proves to be a therapeutic process for both the writers and the readers of Dalit and Black communities.

            The term Dalit, is a Marathi word, which means devastated. In the current circumstances the word Dalit does not symbolize merely untouchables; the term in fact, is an extensively germane word to all subsidiary, indigenous, subaltern in addition to other groups like Muslims, Christians, Neo Buddhists and also to upper caste women in India, who are distinguished against physically, economically and socially (Negotiating Margins: African American and Dalit writings). Indian Dalit writers like Mulk Raj Anand, Mahashweta Devi, Faustina Bama have instituted a distinctiveness and brought about a colossal uprising in Dalit literature in India. These writers believed in the notion that writing is essential in communities that have been debarred from didactic prospect; in communities with lower literacy rates. Although for those in the boundaries, admittance to value edification and encouragement for writing is not easily accessible. In the midst of poor literacy rates along with monetary complexity, a lot of marginalized inhabitants locate writing itself as opulence. The act of writing becomes exceedingly crucial for them to demonstrate their individuality and also to make others aware and acknowledge their predicament. Writing for such writers bears out to be a form of “catharsis” (Jane Schukoske), through writing, an individual can articulate her/his self and is able to comprehend excruciating distress better and also, can share them with others at the similar moment in time. Writing, therefore, legitimates one’s story/reality which can be used to make one’s affliction accredited. This can be better understood with collaboration to Faustina Bama’s Karukku (1992) along with James Weldon Johnson’s The Autobiography of An Ex- Colored Man (1912).

Faustina Bama began to be distinguished as a writer with the publication of Karukku (1992). Her novel demonstrates the appearance of Dalit writings and made her one of the foremost Dalit woman writers in India. The narration moves from past to present, exploring a variety of events, that she had experienced during her life. Her work has been called an influential representation of Dalit suppression by numerous critics and readers. Karukku illustrates not just her individual sufferings but the exploitation and suppression of the entire Dalit community. Bama, in one of her interviews stated that “Dalit life is excruciatingly painful, charred by experiences; experiences that did not manage to find room in literary creations”. Therefore, through her novel, she is sharing her agony with her community as well as with inhabitants belonging to further superior classes.

            One of the most significant aspects presented in the novel is the oppression of Dalit Christians in the hands of the church. Karukku gives a picture of how Dalits were discriminated against of which Bama provides a variety of accounts; they were not allowed to sing in the church choir, there were different schools for the affluent, elitist upper caste Christians and for poor Dalit non Christians. In her works, she depicts how she and her community have been deceived by the assurance of autonomy and distinction by the convent, the church and by humanity as a whole. Bama outlines her religious growth as a Catholic and her realization of herself as a Dalit: for instance, her portrayal of her exclusion from the rituals of which she was initially a participant, but later was debarred from the same for being an ‘untouchable’. Bama wrote in the preface of her novel: “The driving forces that shaped this book are many: events that occurred during many stages of my life, cutting me like Karukku and making me bleed; unjust social structures that plunged me into ignorance and left me trapped and suffocating: my own desperate urge to break, throw away and destroy these bonds; and when the chains were shattered into fragments, the blood that was split then; all these, taken together.”, providing her readers with an idea of her aspirations to write this novel, that is, to empathize and heave alertness amid her readers regarding the ghastly state of Dalits.

            In the novel, Bama is introduced to the structure of untouchability when she was a student of third standard. While returning from school, she witnessed an upsetting incident of a Dalit handing over a small package to an upper caste man, but without touching it. He had tied the small package to a thread in order to make sure that the small package is not ‘polluted’ by his contact. This disturbing episode made Bama question the society, and leaves her wondering “what did it mean when they call us ‘Paraiya’?” “We too are human beings” (13). Incidents like these stimulated her to search for ways to fortify herself and her community from the compressed state. Bama’s elder brother, however, makes her realize the importance of education for her emancipation. Her brother makes her comprehend that she can never be endowed with dignity or revere, as she is a part of ‘paraiya jati’ unless she educates herself and thus leaving a profound impact upon her. After completing her education, Bama takes up a job of a teacher at a convent but soon becomes conscious that the circumstances there are not much different. She observes the various ways with which Dalit children and teachers are exploited by the upper class nuns. Thus, revealing the hypocrisy that lies inside the sacred walls of educational institution and church. Bama, through her novel takes an exceptionally courageous action of penetrating an area where no other Dalit woman had ever stridden.

            She illustrates the never- ending state of oppression through a variety of instances, out of one is that of her grandmother. Her grandmother was a servant at an upper class family and was commanded over even by the children of the house. She, on the contrary, used to address them as ‘Ayya’, which means master. Her grandmother has accepted her fate as a servant and used to appease Bama by making her understand that: “These (upper caste) people are maharajas who feed us and without them how will we survive?” Bama confers how Dalits were fed with the leftovers of the upper castes; they were unnecessarily insulted and beaten and one such incident is mentioned by the writer when she is falsely charged for “stealing coconut”. She is blamed, rebuked, trodden and suspended in the name of caste, and the validation she received by those in authority for their conduct goes like: “ after all you are from chery, You might have done it. You must have done it.”  Regardless of surpassing in her studies, she is treated with blatant insolence by her teachers and other fellow students. The facts that Dalits are made to toil under upper caste families as bonded laborers; the refusal of upper castes to sit by the those belonging to lower castes in order to keep their ‘purity’ undamaged and how Dalit children at her school were asked to stand for the duration of assembly and were made to do all the menial and personal works of the educators, together act as a reminder to her of the actualities about her caste and eventually agitating her to shriek for parity through her writing, by keeping the  portrayal of repression, untouchability, casteism,  as the focal concerns of Bama throughout the novel. To her the resolution to all the misery lies in education and expression.  According to her, it is merely through education that the subjugated can have a chance to establish their capability as equals. She outlines the atrocity of those in authority by stating the following “It is because of this we are unable to find way to study and to proceed like everyone else. And this is why a wretched lifestyle is all that is left to us.”  She sympathizes with the fellow bearers and exclaims that they are all “dying several deaths within”. For her, the realization and courage to introspect and to revolutionize “is true devotion to God”. Her departure from the religious order and her lenience with superior regions of education and deliverance of the downtrodden is the outcome of her devastating history as a Dalit.

 Hence, in Karukku, Bama portrays lives of the unfortunate section of the society; her portrayal is the representation of excruciating experiences as a Dalit headed for progression of self recognition and liberation. She emphasizes the idea of eradicating disparity at various levels and empowerment through education and consequently for a better survival of Dalits.

Akin to Dalit literature that highlights the caste prejudice of Indian society; African American literature has concentrated on the role of people of African American descent with reference to the superior American society that is highly color prejudiced. The great efforts of African American populace to ascertain themselves as individuals in their own right came to light with the writings of Richard Wright, Alice Walker, Toni Morrison, Richard Waldo Emerson and various other literary giants of African American derivation.

            James Weldon Johnson’s The Autobiography of an Ex-colored man depicts whites’ enthrallment with skin color and the possibility of ‘passing’ as a white. Passing refers to the capability of an individual to be considered as a member of social set other than their own with the intention of gaining societal acceptance. The novel estimated much of the literature of Harlem Renaissance. The novel’s central character is a black who is light enough to pass as a white. When the protagonist realizes that by forcing himself in the white community he can ignore the atrocious and fearful life of Black society, he decides to pass as a member of white culture. Benjamin J. Patterson in Ethnic groups USA, states that the novel illustrates the penalty of racial bigotry and hostility on the protagonist’s subjectivity and worldview; and it results in the oscillation of his conflicting identifications with the black and white cultures and his final decision to pass as white. The circumstances are such that the Ex- colored man realizes that he cannot attain his ambition, a name, recognition and a better future as a Black and therefore decides to spend his life as white. His assessment is based on the intensity of oppression performed through diverse forms of racial favoritism apparent in the realities of segregation and racially motivated violent behavior such as ‘lynching’. The binary system is such that white signifies ‘normalcy’ and ‘superiority’ and black, on the contrary, is associated with ‘other’ and ‘inferior’. While Patterson entitles the achievements of the anonymous protagonist “personal” and “hollow”, the protagonist’s employment of mixed race inheritance to his own advantage depicts the exigency for ways to redefine as well as to secure his position in the society. His denial to name himself becomes a threat to the white society, as they fall short to identify and control him, making him a prospective rebellious force. The powerless section, through the protagonist, overcomes racial prejudice, objectification and detestation by the superior white society. The protagonist ensures his endurance in a hostile milieu through forged identity and anonymity but at the same time, he is torn into fragmented self as he cannot identify to either black or white society. The theme of passing, written by a black author, gives the readers an idea of how the oppression and brutality of whites made an individual disguise his genuine identity and recreated the convention of color partition, policy which demands that one accepts a position within a determined social order. When the protagonist finally decides to wholly get ahead as white at the end of the novel, he has decided to stifle a major part of his identity, thus annihilating his probability to accomplish true contentment and self-awareness.

Correspondingly, the account of Dalit writers contains equivalent themes of exclusion and expression. The works of these marginalized authors include descriptions of the lives of the poor, the inconceivable regulations that were imposed upon untouchables, and Blacks, their atrocities, and the inequality they faced. These writers chose the form of writing to represent their fortitude and documentation of tales of conquerors, tales of righteousness, conquering uncertainties. Genres like that of writing and other ways of expression play key roles in social alteration movements. Autobiography, narrative, theatre and verse grant prospects to identify disparity. For the marginalized, writing is imperative as it advances the sense of identity and offers instants of stimulation that subsequently endow them with valor to ensue. This awakening of united vigilance has the potential to construct confidence to verbalize and articulate for a group of people and in opposition to injustice. In support of the marginalized, writing provides insightful expanses that allow readers to commiserate, to identify a stance that the society may refute or rationalize in daily interactions. An unswerving, opinionated writing is an unswerving call for civilian feat. This stimulation is capable of bringing parity, transparency and accountability among society.

India and America exhibit analogous hegemonic socio-economic- cultural-political structures of oppression that demarcate the identities of the marginalized in the respective civilizations. Dalit writers in India and Black writers in America have formed potent literature in the route of time that can no longer be entitled, Marginalized literature, as it has come to inhabit central phase as Mainstream literature.

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The Impact of Economic Globalization on International Trade Trends in Developing Countries at the Beginning of Third Decade

 Said Mohammad Karim

  • Introduction

Currently, the world is experiencing a new scientific revolution in information, communication, transportation and technological knowledge-intensive. This revolution has deepened the globalization of all aspects of economic life of the movement of goods, capital, services and skilled labor. It became the technological revolution and in particular its part informational pivotal role. With The emergence of the phenomenon of globalization, which is the current stage of development of international economic relations, properties, and not put forward a new theory or a new perspective to understand the mechanisms of this development, and is a composite concept basically means examining the nature of the developments that have taken place for the international relations of economic, social, cultural and political dimensions, which makes impact on the trends of this development in the future.In other words, this might consider to be characteristics of the modern capitalist system.This is taking shape at the beginning of the Nineteenth and Twentieth centuries, which prompted researchers to give up the use of the concept of system, which necessarily involves the mechanisms and rules are clear and specific. Interested in studying changes in the relations between the inside limbs, in favor of the concept of globalization, which seems more neutral in the phenomenon of the more obscure and at the same time. However, this neutrality does not hide faith dimension inherent in it and which threatens the countries that rejected extinction and extinction, especially developing countries .premise from which this search extent to which developing countries of economic globalization and trade liberalization and the acceleration of goods and services flows, are developing their current state countries can to engage in the international economic system.

  • Concept of Economic Globalization

The current stage known a group of radical changes in the global economic system, predicted for the beginning of a new economic system characterized by milestones and trends are different from those prevailing before. Hence, the world is controlled by two trends which are linked and that they were separate, namely, globalization and economic liberalization.These two trends already taken place in switching conditions, the formation of economic behavior, and become more attached to influential tracks international national economy, and so became a success and progress to the strength of nations and blocs measured, this is even linked to the extent of participation or involvement paths of these two directions towards globalization, which has become prevalent even more dominant force in the world today, it was not coincidence. The return of the dream that accompanied the individuals since ancient times, to expand the range, mobility and investment, transfer of wealth and profit open broader horizons, as a result is made possible of the change in the international system, and the decline in the concept of a centralized economy or router to be replaced by the concept of a market economy, and its adoption as a tool essential for development. This concept, which stretch in all directions, is seen to the world as a single market, and thus is represents and embodies a vision based for a large segment of the countries that were leading and defending the principles of a free economy, giving the private sector a leading role. This means the predominance of the ideology of the free economy, triumph of the market economy, market mechanisms, and political liberalism. Consequently, globalization of the economy and on the scope of each of the international economy began to spread to all levels of production, financing, technological, marketing and administrative (Kella, 2011).

By taking a comprehensive look at the global situation, it can be said that the world has become more essential than ever before, and that the economical differences have become more acute and severe than they used to be and that the global distribution of income has become less balanced and less fair, though there is a large gap dominant to the world, it is likely to represent a serious threat to the growth achieved and the continuous development in the future.

The advanced industrial countries, which have committed themselves to the principles of free economy and previously defended him and worked on the publication, these countries are driving the global developments and designed a way that suits them.Because at this stage they have methods and the elements, it has a vested interest and potential of circulation, published and approved by the largest possible number of countries. These countries have prepared themselves in advance, who beneficiaries and are supported by an engine with motive to activate economic their income and activate its institutions list by exploiting existing possibilities and opportunities in the world.

However, developing countries that suffer from significant transitional structural and social problems, in most of these countries are still grappling with and affected by the global developments accelerating. All of these forces and trends formed with each other at the current stage the process of transition of the new global economic system. Which must be closer to the analysis of its components as well as determine the characteristics and features to identify the transformations and challenges and issues that began determined in the field of international trade, monetary system, manufacturing transport technology, preservation of the environment and other (Avhild, 2007). At this stage no wonder to show several terms reflect the features of the current stage, and even the future experienced by the transition process towards the establishment of a new global economic system, such as the term globalization or constellation or inclusiveness.

  • Technological Revolution and the New International Division of Work

The troubles of the existence of the technological revolution and information with the increasing freedom of movement of goods international capital may help clearly on the interrelationship and overlap between the parts of the world and confirm the global markets.Drop the barrier of distances between countries, and create a new type of international division of labor, which is the process whereby industrial productivity between more than one country so that the distribution of the components of any final product manufacture in more than one place. Thus it is no longer the main support of strength, as the economic capability is natural resources,  which it has become the main foundation in that to own advantage or competitiveness in the international arena, and which revolve around the cost and price and productivity and quality and is what the depth of the trend towards interdependence.

The emergence of new patterns of division of labor were not known, where the traditional image of the international division of labor is to allocate some of the country’s raw materials and mining and food commodity and specialty other countries in industrial products, and the assumption was that the country is developing a comparative advantage in the first type, while developed countries have a comparative advantage in industrial goods (Diab, 2010).

This division is no longer in line with reality, and the issue here is not just a shift in the comparative advantages of industrial goods to some developing countries, but what caused the technological revolution of the availability of new possibilities for specialization. This is due to the multiplicity of types of single products, for instance there is no one type of cars or radios or television or computer, but rather there are multiple types of needs and what type them in terms of production conditions may be different from what the other needs. Hence the division of labor between the different countries in the same products appears, and it has become fashionable, but mostly for a large number of consumer durables and machinery and equipment, that the same item appears in the list of exports and imports for the same country, this is known as the division of labor within a single industry.It has become fashionable to parcel one product among a number of the country’s production so that specializes every country in part or more, and this is known as the division of labor within a single product intra – firm.This kind has become of specialization of the most important aspects of the division of labor between the industrialized country and with each other, as well as in increasing cases between industrialized and developing the country.

Thus the decisions of production and investment become taken in accordance with considerations of economic rationalization in relation to cost and earning, even there has become an opportunity for many developing countries to penetrate the global market in a lot of products.Where new styles allow international division of labor to those countries gain competitive advantages in a wide circle of goods, and perhaps the experience of the Asian tigers in Southeast Asia, is the best example to that. The revolution in production was the occupation of knowledge of information relative importance of the first in the production process. Moreover, it is reflected in the emergence of new patterns of international division of labor, where the back of the division of labor within a single product intra – firm so that the distribution of the production of the various parts of a single item on the different countries of the world well be appear according to considerations of economic efficiency (Murray, 2013).

The new world economic system, which began to show its characteristics and features as well as is determined with the beginning of the nineties is still in the process of composition and formation conditions and compared to previous arrangements. It is noted that it uses new tools and methods to maximize the goals and objectives in line with the evolutionary stage – the stage of globalization – which reached and global changes that have taken place, and the new mechanisms that have arisen.Therefore, the dynamic characteristic of the new global economic system make sure day after day, as evidenced by the prospects for changing the balance of the existing economic powers on the basis of the future It is evidenced by the presence of more than one order of what will be the new world economic order in the atheist century the third millennium, some suggesting unipolar shape, some raised pyramidal shape, and othersuggesting parallel blocks shape.

  • Changes in the International Trading System at the End of Twentieth Century

The most important characteristic of a shift in the international trading system towards commercial freedom system after 1994 and the beginning of 1995 along with the establishment of the World Trade Organization – has included not only the liberalization of trade in industrial goods, but also included agricultural goods and other industrial goods such as textiles and clothing. This is in addition to the trade in services which is considered a turning point in international economic relations, and the liberalization of trade applied to services the principle of gradual liberalization and includes trade services, banking, insurance, capital market, transport of land maritime and air, contracting, tourism, telecommunications, and services such as professional technical consultancy and professional services offices. This encourages the phenomenon of labor migration or function instead of the labor force migration. In addition to the liberalization of services, it has included a shift in the international trading system, liberation organization, protection of literary, artistic property industrial, as well as liberalization of investment laws having impact on international trade restrictions.

The transformation of the internal orientation of any development strategy of import substitution to production for export is a result of the new trends of globalization and the great opportunities offered by the global market.This shift comes in particularly large number of developing countries. As a result, because the country has managed to developing high growth rates are achieved by the country has pursued a strategy of export-oriented development based on the exploitation of the potential of the global market to the greatest extent possible.

East Asia countries proved with a growing number of developing country success towards this direction. The international market can accommodate both availability which has the will to penetrate and it is important to complete the elements of export-oriented strategy, which works to promote the expansion of exports of products which features produced or can be produced present or future at relatively low cost compared to the rest of the other countries (Windsor, 2009). The export economy is a traditional long-term development process, is to put the pillars of transformation to be able to bring about changes restructuring in the economy, and that lead to the creation of diverse activities and sectors production structure uses the best technological methods, and earn exported products generally the ability to invade the world market. The strength become highly competitive, including corrects the position of developing countries in the patterns of specialization, and the international division of labor.

The profits from trade liberalization are not distributed evenly on the winners, both in industrialized nations or the developing countries. Hence, a according to the highest estimates is expected to be out collectively by more than 17 percent of the estimated increase in global income developing countries.The industrialized countries will get $ 100 million of the total expected in the world’s income as a result of partial liberalization of trade and of $ 119 billion which increases the share of the industrialized nations of the expected increase of up to 84 percent, and get developing countries to 10.3 percent. Despite those results, the importers of foodstuffs will be one of the most affected by trade liberalization, since the liberalization of trade in agricultural products, especially rice and oil, grain and wheat and uninstall support them by industrialized nations resulting in a rise in prices. On the other hand, it can be said that the distribution of gains attributable to developed countries obsessed by the global triad: the United States, Japan, and the European Union (Salih, 2006).

  • Nature of International Trade and Situation of Developing Countries at the Beginning of the Third Decade

Exchanges between developed and developing countries still in a large part subject to the international division of labor that prevailed after World War II. Accordingly, take it in the form of raw materials in exchange for industrial goods. Raw materials and for historical reasons  is an important part of the trade as well as developed countries providing the bulk of the trade of industrial goods in the world of the total exports of these countries towards the outside while the developing countries do not believe only a small percentage of the trade of raw materials in the world although it is part of the largest oil exports.Despite the fact that developing countries are the main source of raw but there are no raw materials in the industrialized countries and also exchange industrialized countries among them an initial goods. And some of these raw materials needed by countries of the South, and in general, a quarter of the value of exports of industrial countries to developing countries is equivalent to the value of all exports in the form of raw materials coming from these countries to the industrialized nations.International trade rolling is now a market of industrial goods. It can be conclude from this that the developed countries dominate the exports of all industrial goods and an important part of the raw materials we will review the exports of some of these products. However, this growth achieves significant differences between the various developing regions in addition to the contraction of world production growth.There are other factors behind the chill international trade such as the events that took place in the Middle East region, the changes in Eastern Europe, and declining terms of trade for developing countries rates (Salih, 2006).

On the other hand, the nineties identify the fast growth rate of international trade, and this is due in part to the rapid spread and flourishing trade in components of high-tech electronic goods. In spite of ongoing international trade, it grows faster than the speed of growth of total production. This is due mainly to the poor economic performance of developed countries. As regardless of an increase in global production, the rate of growth in developed countries has fallen as a result of the slowdown in production, which represents more than two-thirds of world production, and this is because of multiple factors, including the increase of public debt in most industrialized countries. Secondly, the growing pressure on European currencies as a result of deflationary monetary policies and their impact on exchange rates and interest rates. Finally, imbalances in the budgets of industrialized countries and that happened from the possibility of using fiscal policy as a catalyst for growth.

The beginning of the third decade has decrease in global production and international trade has reached lower global production rate levels since the eighties of the twentieth century, perhaps these reductions offered by global production and international trade through during this period returned mainly to the effects of the events of September 11, 2001, in the United States and that has touched most sectors in all regions with the exception of some Asian countries.

International trade continues to be a main driver behind the growth of the international economy, international trade and the growth rate is still in twice the growth rate of world output. The larger developing economies like China and India have seen continuous growth export activities. There are quite a number of developing countries made profits from the significant improvement in the terms of trade over the past few years, and due in large incision to the incident recovery in oil prices and some other commodity. On the other hand there are a number of oil-importing countries and exporting agricultural crops have been damaged from the terms of trade prevailing and suffered a loss, and in the light of high oil prices exceeded the proportion of the rise in prices exports of those countries as a result of the deterioration of commodity exports to those countries or for the two reasons together. Generally, the price of primary commodities has reached the top level and it is expected that many non-oil commodity prices are falling from the (United Nations report, 2005).

There is no doubt that the global economic changes that have evolved in the new world economic order will affect the developing countries, and that the global trinity economic and what raised from new issues in all areas reflect a new strategy aimed at pre-emptying the strategies most development self-reliant, such as those pursued by Japan and which star by the emergence of economic power to defy the developed countries such as Europe and America. This new strategy of developing countries pays adoptive development in the context of dependency of developed countries based on trade and foreign direct investment. That is why the developing countries adapt to what results this new trading system of the new patterns of international division of labor and toward greater economic interdependence.

 On the other hand, the investment and new issues on social paragraphs as measures of operating procedures, child labor … etc., are likely to act as an obstacle to humanitarian restructuring process. Under the trade agreement on the protection of intellectual property rights system is protecting the rights of the franchise strict and very accurate. Which may generate technological monopolies impede the transfer of technology on a global scale and that this will slow down the resettlement of industries operations. Moreover, the expectation of trade sanctions against countries that disturb the standards of work and child labor will give a significant adverse consequences for the transformation of the economies of low-wage and access to comparative advantages in the global market, and thus the new rules in the game of international trade and investment are likely to affect the recycling comparative advantage through cross-national companies and foreign direct investment process.

It is clear from all of the above, that the developing countries stand at a crossroads, choices are limited, either rejection. Therefore, isolation from the most important part and the most capable of the countries of the world, any part of the product of the progress of scientific and technological development, acceptance and as a result adapt to the international economic system that believes countries of the South that is uneven and unfair. For both options have to pay the price and the cost of each will be incurred (Zakey, 2000).

There are many who are interested in development affairs in the countries of the South incite rejection and call for an alternative think it is more useful to developing countries and their peoples, and is to increase the level of coordination and cooperation between these countries and clustering, if possible, to cope with the new realities in the global economy in order to modify or influence at least for the benefit of the South, and in spite of the theory of gravity for this option. However, the potential application of the facts to face many difficulties and obstacles, including economic limited capacity of the countries of the South in their current state, although it is under the South title meant a large group of countries a population of over 80% of the world’s population but they do not contribute to global income by more than about 20% and more than one billion people live below the poverty line as their share in making scientific development and technological progress modest negligible on a global level.

In addition to the low level of the will of the decision-making circles in these countries to develop the level of cooperation and coordination among them, in one hand to cope with the global economic system, on the other hand to cope with the global economic system. For developing countries to deal more rational and more open to the new economic variables, and working on extensive and comprehensive review of the development of its policies in preparation for the re-formulated in line and the new changes, and the development of economic mechanisms, including work contributes to better exploit the potential available and possible resources (Amin, 1997).

To conclude based from the above point, the new world economic order still needs to be repaired in its mechanisms and the functioning of its institutions, and reconsider the rules, whether in the field of trade, investment or other even it has the consent of the countries and the peoples of the developing world and the developed alike. It also notes that the new global trading system caused a sensation about his future, especially after widespread protest movements against globalization and its mechanisms.

  • Conclusions

 

  1. Developing countries in general face significant challenges may direct to gains, since if overcome, and could direct to losses if these countries unable to cope the changes.
  2. Reduce significantly the level of protection for the agricultural sector over the next few years, as it is also a most important sector in the economies of most developing countries that have a negative impact and unexpected results.
  3. These countries can draw its policy improvement and the development of their economies, especially with regard to the national production, which it is devoid of protection or low level of protection. There is no valid one answer for each of developing countries, and dealing with the issue of this importance vary from state to state depending on their circumstances and their potential.
  4. The abolition or reduction of subsidies for some products well weakens the competitiveness of developing countries in global markets.
  5. Progressive liberalization of services trade will lead to heightened competition in the global services market, and because of the weakness and fragility of the services sector in developing countries, especially the financial services activity of banks, insurance companies, Projections indicate that this sector may be affected negatively as a result of editing.
  6. The unit controls the commercial multi-density expansion parties and restricted the use of some selective economic policy that had a role in the success of the exports of developing countries tools, is no longer possible in light of the increasing liberalization in the international capital markets.The globalization of production of transnational corporations imposes legislation and laws on companies in relation to the objectives of the industrial policy of the host country. here it is emerge a conflict with the important role that practiced by governments in most developing countries, and especially industrial policies to accelerate structural transformation and strategic in the economy by supporting certain sectors identified as strategic to own comparative advantage kinetic potential task and receive so government support.

References:

  • Windsor, D. (2009.Globalization in the Atheist and the Twentieth Century – How Associative World? Emirates Centre for Strategic Studies and Research. Abu Dhabi.1st
  • Amin S. (1997).Clash of Civilizations or the Dialogue of Cultures. Al-Tathamn for publication. Abu Dhabi.1st
  • Kella, S. (2011). The Current Globalization – the Mechanics of Re-global Capitalist Style. Rand for Publishing and Distribution, Damascus. 3rd
  • Salih, Y. H.(2006). International Economic Relations. AlrwadAlmuzdahera Publication. Baghdad. 1st
  • Diab,M. (2010). International Trade In an Era of Globalization, Dar Manhal, Beirut. 1st
  • Afheld, H. (2007). Bestows Poorest Economy.World Knowledge Series, Kuwait.
  • Murray, W. (2013). Geographies of Globalization. World Knowledge Series, Kuwait.
  • Zakey, R. (2000).The Effects of Globalization and the Illusions of Running after a Mirage. Journal of Ala-Nahij. Vol. 57. Damascus.
  • United Nations Development Programme, the World Human Development Report (2005).

 

 

 

Corrugated Box- Packaging Industries Workers Job Satisfaction : A Study 

 Patel Dilipkumar Chunilal

Abstract :

The purpose of this research is to find the key facture which are useful for the satisfaction of the workers i.e. workplace reward and recognition, environment, training and development and Work of team . These Causes help to make the planning effective and through this effectiveness, efficiency takes place in The management process. The study was conducted in year 2014-15 and covered 70 Respondent Small Scale Corrugated Box Packaging industries  workers from the territory of Kaprada and Pardi taluk of Gujarat state .hypothesis test  For Chi-Square  Applied.

Key words :  Job satisfaction,  Industry , work factor, Chi-Square, Degree of Freedom

Photo by Pixabay on Pexels.com
  • Introduction of Job Satisfaction

“Job satisfaction is defined as “the extent to which people like  dislike (dissatisfaction) their jobs” (Spector, 1997, p. 2). This definition suggests job satisfaction is a general or global affective reaction that individuals hold about their job. While researchers and practitioners most often measure global job satisfaction, there is also interest in measuring different “facets” or “dimensions” of satisfaction. Examination of these facet conditions is often useful for a more careful examination of employee satisfaction with critical job factors. Traditional job satisfaction facets include: co-workers, pay, job conditions, supervision, nature of the work and benefits.” (Williams)     Literature of Literature :

Abuduaini Wubuli ( 2009)1 in research topic “  A study on the Factors Affecting Job Satisfaction Amongs  employees of fast food restaurants ” The study showed that organizational factors such as work conditions, pay, fairness, and promotion significantly influenced employee job satisfaction in fast food restaurants. However, individual factors such as age and gender did not significantly influence employee job satisfaction in fast food restaurants. The research provided a better understanding regarding the factors affecting job satisfaction in fast food restaurants. Thus, it emphasizes that there is still a need to conduct additional research to filling the gaps that have not been solved in the current study. In the final chapter, some recommendations were provided for future use to any researcher in this academic field.Niaz Salehi Artimany, And  Leila DolatyGelogir( 2013)2 in the research “ Job Satisfaction Among employees in Small Scale Industries,Vishakhapatnam ”Job satisfaction is an emotional response to the job situation. Job satisfaction is often determined by how well outcomes meet or exceed expectations; and job satisfaction represents several related attitudes. The most important characteristics of job abut which employees have affective responses are the work itself, pay, promotion opportunities, co-workers, supervision, work group and working conditions. Individually, some of this dimension may produce positive and some negative feelings in the employee which collectively depict the employees over If a job cannot be designed to use an employee’s full abilities, then the firm should consider automating the task or replacing the employee with one who has a lower level of skill. If a person cannot be fully utilized, then there will be a motivation problem. All feelings.

  1. Rajam,Dr. D. Sivasubramanian,Dr. V.P.T. Dhevika,Dr. V.P.T. Dhevika (2013)3 research topic ‘A Study on Job Satisfaction of Hospital Employees in SRM Hospital at Irungalur, Tiruchirappalli District, Tamil Nadu ’Job satisfaction is very important because most of people spend a major portion of their life in the working place. Moreover a job satisfaction has its impact, on the general life of the employee, as a contented and human being. A highly satisfied worker has both better physical and mental wellbeing. Though it is a debatable point as to which one is the cause and which the effective is but they are correlated to each other. SRM Hospital is one of leading hospital, which provides highly satisfied and improved life standard. By earning a job in a well-established hospital like SRM Hospital, one will be highly satisfied with his job and the living standard can be improved. Muhammad Rizwan 1, WaqasMehmood Khan (Corresponding Author)2, Hafiz Muhammad Aqeel Tariq 3, Abdul Ghaffar 4, Malik Zubair Anjum5, Ehsan UllahBajwa 6 ( IOSR)4 in the study “ Empirical study of Employee job Satisfaction ” The main objective of this research report is to find the crucial problems, faced by the employees while working in organizations and find the ways how we make our employees loyal with their organization. The purpose of this research is to elaborate the key factors which are useful for the satisfaction of the employees i.e. workplace environment, reward and recognition, training and development and team work. These factors help to make the policies effective and through this effectiveness, efficiency takes place in the management process. This research paper is based on theoretical considerations, a model was proposed. linking the employee job satisfaction (EJS) constructs. The survey was conducted in 2012 and covered 200 employees within the territory of Punjab in Pakistan. Through this survey we find a strong positive relationship between team work and all other factors.
  • About Valsad District :

Valsad district is one of the 33 districts in the Western Indian state of Gujarat. It is bound by Navsari district to the north, Nashik district of Maharashtra state to the east, and Dadra and Nagar Haveli union territory and Palghar district of Maharashtra to the south. The Arabian Sea lies west of the district. The coastal Daman enclave of Daman and Diu union territory is bounded by Valsad district on the north, east, and south.[2] The district’s administrative capital is Valsad. The district’s largest city is Vapi.

The district covers 3008 square kilometres and is divided into six talukas: Valsad, Vapi, Pardi, Umargam, Kaparada and Dharampur. In 2011, Valsad had population of 1,705,678 of which male and female were 887,222 and 818,456 respectively. In 2001 census, Valsad had a population of 1,410,553 of which males were 734,799 and remaining 675,754 were females. Valsad District population constituted 2.82 percent of total gujarat population. In 2001 census, this figure for Valsad District was at 2.78 percent of gujarat population. There was change of 20.92 percent in the population compared to population as per 2001. In the previous census of India 2001, Valsad District recorded increase of 29.65 percent to its population compared to 1991. accroding to 2011 census 62.74% of population lives in rural areas and 37.26% lives in urban regions of district. Valsad is well known for its production of mangoessapodilla, and teak, and for its chemical and industrial stretch based on Vapi and Atul.

Industry

Valsad is an industrial base for sectors such as chemicals, textiles, and paper & pulp industries. Since the 1980s, textile and chemicals have been the major sectors of investments and employment in the district. Valsad is emerging as a horticulture hub of the State, witnessing significant production in food grains and crops.

With over 300 medium and large scale industries, Vapi is a major industrial center in Valsad. One of Asia’s largest Common Effluent Treatment Plant (CETP) is present in Vapi, owned by Vapi Waste & Effluent Management Company and promoted by Vapi Industrial Association.

Over 10,716 units of small and medium enterprises (SMEs), involved in different sectors, such as chemicals, textiles, engineering, and paper industry, are present in the district. Several private conglomerates are present in Valsad, including Alok Industries Ltd, Wyeth, Welspun India Ltd., Aarti IndustriesAtul Limited, Gujarat Heavy Chemicals Ltd. (GHCL),RaymondSun Pharmaceuticals, United Phosphorus, Pidilite, Polyols & Polymers and Vadilal, Unique Polymers.

Valsad district contains areas such as Vapi (the Chemical Hub of Gujarat), Umbergaon and Sarigam (the Industrial Estates). ( Kaprada taluka new developing Industries )

  • Research Methodology
  1. Statement Of The Problem :

To Observe that box making workers  are really satisfied industry workers with their Work or not  and what is the difference in  Work satisfaction among  private . Industry  will be main focus of problem in this research Project. Other focuses of problem will be on : What benefits and facilities  Work place is providing to the  box making Industry Worker  in kaprada & Pardi  taluk ? Where the gap exists and where one should modify to have satisfied employees ? Why Industry workers are going to leave and other industry from this Job ?

  1. Objective of the study :

 

  1. To analyze the satisfaction level of the Box Making Industry workers.
  2. To analyze the satisfaction level of the Box Making Industry worker’s working conditions.
  3. To analyze the satisfaction level of the Worker’s welfare measures and Job security
  4. To suggest some measures for improving the satisfaction level of the Box making Industries.
  5. Hypothesis of the study :

This study hypothesis testing method has Chi square used and find the Box making industries workers measure of perfect job satisfactions. Following hypothesis used :

H0        There is  no significance difference between   Various Important Factors of Working Condition ,Work allotted Skill ,Management Policy, Working Hours ,Work target ,Good Career , Work Security, Welfare facility provide, Promotion policy etc. and Job satisfaction of box manufacture Industries Workers.

H1          There is  significance difference between   Various Important Factors of Working Condition ,Work allotted Skill ,Management Policy, Working Hours ,Work target ,Good Career , Work Security, Welfare facility provide, Promotion policy etc. and Job satisfaction of box manufacture Industries Workers.

  1. Research Methodology
  2. Research design:

A research design is the arrangement of conditions for collection and analysis of data in a manner that objective  to the research purpose with economy in procedure.

  1. Sampling design:

Sampling design  researcher refers to the technique or procedure the researcher would adopt in selecting terms from the sample.

  1. Sampling size :

70 Packaging  industry workers were selected after considering time and cost of the study.

  1. Sampling method:

Convenience method of sampling is used to collect the data from the respondents.

  1. Data collection:

The data is collected from both primary and secondary sources. Primary data is collected through Questioner and interview schedule and the secondary data is collected from books, magazines, and websites etc.        

  1. Sample Technique

For the Objective of research study, the method of simple random sampling is undertaken.

  1. Statistical Tools Used

The collected data has been analysis by using

  1. Percentage analysis
  2. Chi-Square Method used
  3. Importance of the Study :

The Importance of this Research study is understand Box making Industry workers ‟ job satisfaction level at Industry worker.  this study I will came to know that What benefits and facilities  and Conditions industry Management  providing to the Workers. What conditions or requirements based on age, sex, religion, caste and ethnicity workers think should be provided by Work place. This helps industry to know Where they are lacking in having a satisfied workforce presently. How they can modify it in future?

  1. Limitation of the study :

The study is limited to Kaprada and Pardi Taluk only and therefore, the findings of the study cannot be extended to other areas. All the findings and observations made in the study are purely based on the Selected respondents collecting answers which may be based. Time and cost is also another constraint of researcher.

  • Hypothesis Test :

This study hypothesis testing method has Chi square used and find the Box Manufacturers industries workers measuring  of perfect job satisfactions measuring calculated  by statistically.

  •   Findings And Suggestion :

 

  • Findings of The Study :
  • Subjects of the present study were selected from Box making Industry from Kaprada and Pardi taluk in Gujarat.
  • Findings :
  • Subjects of the present study were selected from Box Making Industry from Kaprada and Pardi taluk in Gujarat.
  • Satisfaction observation that 25 % of the respondents come under 18- 25  years of service, 40 % of the respondents comes under 26  to 35 years of service,  25 % of the respondents comes under  36-50  years of service, 10 % of the respondents  50  to more.. years of service.
  • Educational detail of respondent that 20% of the respondents are 5 to 10th Standard, 40 % of the respondents are completed 10to 12th standards, 25 % of the respondents are completed Graduation, 15 % of the respondents completed PG and ITI and 8 % of the respondents completed diploma etc
  • Monthly income that 45 % of the respondents are earning less than 10000 rupees, 30 % of the respondents are earning between 10001 and 150001, 15 % of the respondents are earning between 15001-20000 and 10 % of the respondents are earning above 20001
  • the Work allotted to them is according to their qualification, then as a group of 20.% and 45 % were strongly agree and agree respectively and 10 % and 8 % were disagree and highly disagree correspondingly.
  • the 45 % of the workers are satisfied with the working Environment, 30 % of the workers are highly satisfied with the work environment, 15 % of the workers Neutral satisfied, and 9 % of the workers are dissatisfied and 1 % of the workers are highly dissatisfied.
  • There is Significant difference in work environment satisfaction of  box making industry workers under study because the calculated value of ‘F’ (61.6) is more than  table value(9.49) and p value is less than 0.05 level. Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • the 32 % of the workers are satisfied with the work alloted as per qualification and skill of the worker, 25 % of the workers are highly satisfied with the work alloted as per qualification and skill of the worker, 20 % of the workers Neutral satisfied, and 15 % of the workers are dissatisfied and 8  % of the workers are highly dissatisfied.
  • There is Significant difference in work allotted and qualification skills and work              satisfaction of  box making industry workers under study because the calculated value of ‘F’ (16.9) is more than  table value(9.49). Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • The 32 % of the workers are satisfied with the Work Interest of the worker, 35 % of the workers are highly satisfied with the work Interest of the worker, 25  % of the workers Neutral satisfied, and 8  %  of the workers are dissatisfied.
  • There is Significant difference in Job  Interest  and work satisfaction of  box making Industry workers under study because the calculated value of ‘F’ (46.9) is more than  table value(9.49). Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • 30 % of the workers are satisfied with the Satisfaction with Management of the worker, 20 % of the workers are highly satisfied the satisfaction with management of the worker, 35 % of the workers Neutral , and 10 % of the workers are dissatisfied and 5  % of the workers are highly dissatisfied of the Satisfaction with the Management of the
  • Significant difference in Industries Management and work satisfaction of  box making industry workers under study because the calculated value of ‘F’ (32.5) is more than  table value(9.49). Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • that 35 % of the workers are satisfied with the working hour Satisfaction  the worker, 30  % of the workers are highly satisfied the working hour satisfaction of the worker, 30 % of the workers Neutral , and 5 %  of the workers are dissatisfied of the Satisfaction of working hour.
  • Significant difference on Working hours and work satisfaction of  box making industry workers under study because the calculated value of ‘F’ (52.5) is more than  table value(9.49) Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis  accepted
  • 25 % of the workers are satisfied with the Workers have necessary Authority  to perform their effective workof the worker, 35 % of the workers are highly satisfied the Workers have necessary Authority  to perform their effective work of the worker, 25  % of the workers Neutral , and 10 %  of the workers are dissatisfied and 5  % of the workers are highly dissatisfied of the Satisfaction with the Workers have necessary Authority  to perform their effective work of the
  • the 30 % of the workers are satisfied with the Regular Organize Counseling programe for employee of the worker, 20 % of the workers are highly satisfied the Regular Organize Counseling programme for employee of  the worker, 35  % of the workers Neutral , and 8 %  of the workers are dissatisfied and 7  % of the workers are highly dissatisfied of the Satisfaction with the Regular Organize Counseling programme for employee of the
  • 25 % of the workers are satisfied with the Work target of the worker, 20 % of the workers are highly satisfied the  Work target of  the worker, 45  % of the workers Neutral , and 4 %  of the workers are dissatisfied and 6  % of the workers are highly dissatisfied of the Work target of the
  • There is Significant difference in Target of  work and job satisfaction of  box making industry workers under study because the calculated value of ‘F’ (55.1) is more than  table value(9.49). Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • the 35 % of the workers are satisfied with the Workers share Experience to co worker of the worker, 30 % of the workers are highly satisfied the Workers share Experience to co worker of  the worker, 33  % of the workers Neutral , and 1 %  of the workers are dissatisfied and 1  % of the workers are highly dissatisfied of the Workers share Experience to co worker of the
  • 15 % of the workers are satisfied with the Welfare Facility Provide of industry worker of the worker, 30 % of the workers are highly satisfied the Welfare Facility Provide of industry worker of  the worker, 41  % of the workers Neutral , and 10 %  of the workers are dissatisfied and 4  % of the workers are highly dissatisfied of the Welfare Facility Provide of industry workers of the
  • There is Significant difference in welfare facility and work satisfaction of  box making industry workers under study because the calculated value of ‘F’ (46.1) is more than  table value(9.49). Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • Study the 25 % of the workers are satisfied with the Good Carrier and Work Security  of industry worker of the worker, 15 % of the workers are highly satisfied the Good Carrier and Work Security of  the worker, 35  % of the workers Neutral , and 20 %  of the workers are dissatisfied and 5  % of the workers are highly dissatisfied of the Good Carrier and Work Security of the
  • the 15 % of the workers are satisfied with the Workers Involvement in Decision Making process  of industry worker, 8 % of the workers are highly satisfied the Workers Involvement in Decision Making process of  the worker, 30  % of the workers Neutral , and 34 %  of the workers are dissatisfied and 13  % of the workers are highly dissatisfied of the Workers Involvement in Decision Making process of the
  • There is Significant difference in  Workers Involvement decision making and work satisfaction of  box making industry workers under study because the calculated value of ‘F’ (25.7) is more than  table value(9.49). Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • The study that 20 % of the workers are satisfied with the Industry recognize and acknowledge your work of industry worker , 10 % of the workers are highly satisfied the Industry recognize and acknowledge your work of  the worker, 45  % of the workers Neutral , and 15 %  of the workers are dissatisfied
  • 23 % of the workers are satisfied with the Relationship of superior of the Industry worker , 35 % of the workers are highly satisfied the Relationship of superior of  the worker, 34  % of the workers Neutral , and 6 %  of the workers are dissatisfied and 2  % of the workers are highly dissatisfied of the Relationship of superior of the
  • Work satisfaction measure that 25 % of the workers are satisfied with the Opinion of welfare facilities of the Industry worker , 18 % of the workers are highly satisfied the Opinion of welfare facilities  of  the worker, 42  % of the workers Neutral , and 11 %  of the workers are dissatisfied and 4  % of the workers are highly dissatisfied of the Opinion of welfare facilities of the
  • Find work satisfied that 18 % of the workers are satisfied with the Satisfaction level of Promotion Policy of the Industry worker , 10 % of the workers are highly satisfied the Satisfaction level of Promotion Policy of  the worker, 55  % of the workers Neutral , and 13 %  of the workers are dissatisfied and 4  % of the workers are highly dissatisfied of the Satisfaction level of Promotion Policy of the
  • There is Significant difference in Promotion policy and work satisfaction of  box making industry workers under study because the calculated value of ‘F’ (81.7) is more than  table value(9.49). Degree of freedom is 4 result show that  Null hypothesis rejected  and  Research hypothesis
  • Concluded Overall satisfaction that 30 % of the workers are satisfied with the Overall work Satisfaction of the Industry worker , 22 % of the workers are highly satisfied the Satisfaction level of Overall work Satisfaction of  the worker, 30  % of the workers Neutral , and 14 %  of the workers are dissatisfied and 4  % of the workers are highly dissatisfied of the Overall work Satisfaction of the
  • Suggestion & Reccomandation :
  • Box Making Industry Management should Promotion policies, opportunities and rewards may be increased.
  • Participation can be improved better by educating the lower level works to communicate freely with the superior in the work.
  • Employees abilities useful to the box manufacture industry management.
  • Most of the employees are satisfied with working environment so the box manufacture industry management should maintain it.
  • The box industry should maintain and improve on worker’s participation and decision making.
  • The management of industry should  provide enough opportunity towards expressing the skills at the work Place of the workers.
  • Team work and a good communication between top Management and the workers will increase the level of job satisfaction.
  • Industry management should –give benefit and scope for their education level.
  • Industry Management Should provide the right type of additional training to meet the job requirements.
  • Management should provide motivation and Proper award should be given for overtime.
  • The management should take steps toward improving the morale of the workers by implementing factory policy that would enhance the work culture.

 

      The research findings reported in this study make a factors contribution to the awareness of understanding the concept of work satisfaction and the effect of underlying factors of work Environment, support of co-workers, promotion and Motivation, overall job satisfaction  have on job satisfaction. The box manufacturer Industry also lack on certain factors such as working conditions, work environment, rewards, recognition policy. Employee’s welfare measures and Job security should be given utmost importance, so that the worker’s turnover may be restricted. The Industry  need to modify the reward system of the workers and promotion must be given based on merit, educational qualification and experience, and work Performance, the industry can maintain good workers with high level of satisfaction, industry organizational commitment and involvement. This will in turn lead to effectiveness and efficiency in their work which leads to increased productivity.

 Reference :

 

  • AbuduainiWubuli ( 2009) in research topic “ A study on the Factors Affecting Job Satisfaction Amongs  employees of fast food restaurants ” A thesis submitted to the College of Business in partial fulfillment of the requirements for the degree of Masters of Human Resource Management, Universiti Utara Malaysia.
  • NiazSalehiArtimany,And Leila DolatyGelogir ( 2013) in the research “ Job Satisfaction Among employees in Small Scale Industries,Vishakhapatnam”  Journal of Business Management & Social Sciences Research (JBM&SSR) ISSN No: 2319-5614 Volume 2, No.10, October 2013
  • Rajam,Dr. D. Sivasubramanian,Dr. V.P.T. Dhevika,Dr. V.P.T. Dhevika (2013) research topic ‘A Study on Job Satisfaction of Hospital Employees in SRM Hospital at Irungalur, Tiruchirappalli District, Tamil Nadu ’ Journal of Business Management & Social Sciences Research (JBM&SSR) ISSN No: 2319-5614 Volume 2, No.9, September 2013
  • Muhammad Rizwan 1, WaqasMehmood Khan (Corresponding Author)2, Hafiz Muhammad Aqeel Tariq 3, Abdul Ghaffar 4, Malik Zubair Anjum5, Ehsan UllahBajwa 6 ( IOSR) in the study “ Empirical study of Employee job Satisfaction ” IOSR Journal of Business and Management (IOSR-JBM) e-ISSN: 2278-487X, p-ISSN:2319-7668, PP 29-35 http://www.iosrjournals.org
  • Daljeet Singh Wadhwa, 2Manoj Verghese, 3Dalvinder Singh Wadhwa (2011) in the research “A Study on Factors Influencing Employee Job Satisfaction -A Study in Cement Industry of Chhattisgarh ”ISSN : 2330-9519 (Online) | ISSN : 2231-2463 (Print)www. i j m b s. c o m IJMBS Vol. 1, Issue 3, September 2011 International Journal of Management & Business Studies
  • Ekta Sinha Professor, UkaTarsadia University, Gujarat ( 2013) “A research work on Employee Satisfaction measurement with special reference to KRIBHCO, Surat ”  International Journal of Modern Engineering Research (IJMER) http://www.ijmer.com Vol.3, Issue.1, Jan-Feb. 2013 pp-523-529 ISSN: 2249-6645
  • AysitTansel,SaziyeGazioglu ( 2013) “ Management-Employee Relations, Firm Size and Job Satisfaction ” Middle East Technical University and University of Aberdeen Middle East Technical University, ERF and IZA
  • Thomas G. Reio Jr. and Cathy A. Kidd ( 000) “An Exploration of the Impact of Employee Job Satisfaction, Affect, Job Performance, and Organizational Financial Performance: A Review of the Literature ” University of Louisville
  • Magazine :
  1. Gujrat Samachar 2.      Divyabhaskar      3.     Gujarat Mitra

The Role of Private Wing set up in Public Hospitals in Reducing Medical Professionals’ Turnover

 

Belayneh Bogale zewdie 

Abstract

The objective of this article is to assess the role of private wings in public hospitals to tackle medical professionals’ turnover in selected public hospitals. Retention of qualified health staff has become a major problem in Ethiopia. Medical professionals left the public sector mainly due to attractive remuneration elsewhere. To solve this problem the Ethiopian government launched private wings within public hospitals in 2008. In this study a descriptive design with mixed approach was applied. Data was collected through questionnaire, key informant interviews, and document review. Purposive sampling was also utilized to target respondents. Data was collected from 5 hospitals and 192 health professionals. The finding revealed that Medical professionals’ level of awareness on different aspects of private wing was not satisfactory; however most of them became happy to know about the chances of earning extra income at home. On average, 50% of the doctors’ and 40% of other health professionals’ total monthly income were earned from private wings. Accordingly, professionals expressed their intention to continue working in their facilities at least for the next 3 years. Hospitals’ human resource documents also reveal a slight but a steady decline in turnover. The study found out that the initiation of private wings in public hospitals contributed to motivation and retention of health professionals. Major benefits to private wing staff include rise in sense of hospitals ownership, skill use and better income.

 

Key Words: Private Wing set up, Turnover, Medical Professional, Health care reform and Public hospitals


INTRODUCTION

The African continent is facing a health crisis occasioned by very low funding of health services and deterioration of health service infrastructure (Dovlo, 2003). The loss of health workers has significant economic as well as replacement consequences which include high cost and time taken to recruit, select and train new staff. Ethiopia is among many other countries that have been affected by a turnover and brain drain of health workers. Many studies show that the shortage of health workers in Ethiopia has been at a crisis point. According to FMoH (2008), health professionals migrate either from rural to urban areas, from government to private institutions, or to foreign countries in a very alarming rate for various reasons.

 

After 1991 the Ethiopian government undertook a robust reform in deferent sectors. One of the reforms was health sector reform. After thorough study and assessment of the health situation, the FMoH of Ethiopia developed a health care financing strategy in 1998 that was endorsed by the Council of Ministers and became a very important policy document for introduction of health financing reforms. The government recognized that health cannot be financed only by government and underscored the importance of promoting cost sharing in provision of health services (FMoH, 1998).

In line with the health care financing strategy and based on the approved legal frameworks, a wide range of health care financing reforms have been implemented since 2006.
The initial phase of the implementation was very narrow in few selected regions and health institutions. However, later the health care financing reforms have been expanded to nearly all parts of the country. The reform consists of eight components; revising user fees charged at government health facilities, retaining the collected fees at the facility and using that revenue to improve quality, rationalizing and systematizing rules for fee waivers, increasing hospital managerial autonomy, opening private wings in public hospitals, and outsourcing nonclinical health services. These reforms are being implemented in all regions of Ethiopia (USAID, 2012:3).

Establishment of private wings in public hospitals is one aspect of the Ethiopian government’s health sector financial reform program which was launched in 2008. In the last four years or so, certain Ethiopian public hospitals have created private wards that function within their physical and organizational boundaries. According to FMoH (2010) the establishment of public hospital private wings has the potential to generate additional income and can increase the ownership of the hospital services by health professionals. The establishments provide services to those who can afford to pay more for those services. The set up is meant to improve the quality and timeliness of services. It also helps reduce the turnover of skilled manpower through additional compensation, and to motivate staff members to provide more and better service.

Hence the article will focus on the assessment and analysis of the role of private wings in reducing medical professionals’ turnover with particular reference to government owned hospitals under Addis Ababa Regional Health Bureau.

STATEMENT OF THE PROBLEM

Although Ethiopia has one of the highest numbers of health workers in sub-Saharan Africa, its large population leaves it with a very low health worker to population ratio. The Ministry of Health reported a total of 66,314 health workers are in service, including 30,950 health extension workers. The national health worker ratio per 1000 population is 0.84. This result is far less than the standard set by the World Health Organization of 2.3 per 1000 population (FMoH, 2010 cited in AHWO, 2010). Even out of the total health work force (in terms of skill mix), Doctors and Midwives form a significantly smaller share. Despite the government’s effort to tackle this problem, the shortage and high turnover of health workers has become a severe setback. The county is one of 57 countries considered to have a health workforce crisis (UNDP, 2010).

Retention of highly qualified health staff has become a major problem in Ethiopia. Between 1987 and 2006, 73.2% of Ethiopian medical doctors left the public sector mainly due to attractive remuneration in overseas countries, local NGO’s and private sectors. Unless the proper remedial measure is taken, the problem will even get worse in the coming years (Birhan, 2008). The 2005 bulletin of the WHO reports that there are more Ethiopia doctors working outside Ethiopia than in the country itself.

In developing countries where medical professionals’ turnover is rampant different intervention mechanisms to tackle the problem are emerging. Similarly, the Ethiopian government introduced Health Care Finance Reform including private wing establishment in public hospitals as one component. Setting up of private wings in government health institutions where the professionals could work at during their leisure time and earn additional income is mainly aimed at cutting back turnover due to low payments.

Despite all its benefits, prior researches and international experience suggests that this type of ward has much potential for promoting inequity within hospitals. The three key problems are the failure to generate sufficient revenue to sustain hospital-wide quality improvements, the likelihood of resource allocations within the hospital becoming biased towards the private wards and failure to meet their predetermined objective of reducing turnover (Birn et al., 2000; Suwandono et. al, 2001).

In Ethiopia as these private wing establishments were created and started delivering services, it became clear that not much was being done to evaluate them and to understand their governance arrangements and the impact on medical professional’s turnover. Even the limited available data is not rich enough to provide reliable information on the issue.  Therefore, whether public hospitals has gained benefit of retaining medical professionals as a result of setting up private wings and the role the establishments practically play is a critical knowledge gap that needs to be addressed. Thus, this study therefore sought to investigate the role of private wings in public hospitals in reducing medical professionals’ turnover.

OBJECTIVES OF THE STUDY  

The overall objective of this study is to assess and scrutinize the role played by private wings in public hospitals to tackle the problem of medical professionals’ turnover in five selected public hospitals in Addis Ababa. More specifically:

       

  • To assess the extent of private wings’ contribution to motivate medical staff, and to improve their income;
  • To describe the contribution and achievements of the private wings in retaining medical professionals;
  • To find out the attitude and awareness of medical professionals on private wings;
  • To describe the challenges/constraints of private wings in reducing medical professionals’ turnover.

METHODOLOGY

Research Design

 It is generally accepted that the selection and application of a research design is dictated by the problem at hand. Accordingly, to carry out this research and achieve the objectives, a mixed research approach (both qualitative and quantitative) is used. The mixed research approach is very efficient in answering research questions compared to the quantitative and qualitative approach when used in isolation (Creswell, 2003). Therefore, by using a mixed approach it is able to capitalize the strength of quantitative and qualitative approach and remove any biases that exist in any single research approach.

Besides, the research applied descriptive type of research design using the survey method. Descriptive research includes surveys and fact-finding enquiries of different kinds. The major purpose of descriptive research is description of the state of affairs as it exists at present (Creswell, 2003). Since little is known and researched about the roles and contributions of private wings in medical professionals’ turnover, the researcher has no control or effect on the variables of the study. The study was rather intended only to describe the roles and contributions of the wards.

Data Sources and Instruments

In this study, both primary and secondary data sources were utilized to address the research objectives. The techniques used to elicit primary data were questioners, key informant in-depth interviews and review of organizational documents. The design of the questionnaire and interview questions was guided by the objectives of the study and the literature research. The secondary data was more or less collected from published documents, books, and journal articles. Other magazines, internet sources including access to electronic scientific articles such as Google’s scholar search facilities, as well as hard copies or reports and other studies were also utilized in the process of data gathering.

Sampling and Sampling Procedures

The study was conducted on those government owned hospitals under Addis Ababa health bureau that have private wings. These hospitals are five in number namely Yekatit 12, Dagmawi Minilik, Gandhi Memorial, Ras Desta Damtew, and Zewuditu Memorial.

The population of this study was all health professionals in the five hospitals with diploma and above academic qualification in their field of work. According to AAHB (2014), there are 1,281 health professionals in the five hospitals that have diploma and above qualification. Since the study population of this study was homogeneous (all were government employed medical professionals) 15% (192) medical professionals were purposively selected as a sample to fill the questionnaires.

Proportional techniques of study subject allocation to the five hospitals were also applied. Accordingly, selection of intended study subjects from the five governmental hospitals under Addis Ababa health bureau was made using the following formula:

                                                 Where nx – sample size in x hospital

                                                             n – Estimated final sample size

                                                             Nx – Total number of medical professionals in x hospital

                                                             N – Total medical professionals in all hospitals

Table 1: Proportional sampling procedure of the study subjects

Hospitals No of medical Professionals Proportional allocation samples
Gandhi Memorial 207 32
Ras desta Damtew 177 27
Dagmawi Minilik 298 45
Yekatit 12 306 46
Zewditu 276 42
Total 1281 192

Source: calculated by the researcher based on the HR summary from the health bureau: 2014

The questionnaire was distributed to cover different categories of health professionals as it was given to doctors (all types), nurses and midwife, pharmacists, health officers, laboratory technologists, and radiologists. On the other hand key informant in-depth interview was also conducted with medical services directorate director of AAHB, hospital directors and personnel department heads of each hospitals.

 Method of Data Analysis

In this thesis both qualitative and quantitative data analysis techniques were employed. Data collected by using questionnaires was organized, coded and then analyzed. Specifically, simple statistical analysis like percentage, frequency, tabulation and graph were used in order to analyze the data easily. Microsoft excel was also applied for producing charts and to simplify the calculation. On the other hand, information gained through key informant interviews was described qualitatively.

 MAJOR FINDINGS AND RECOMMENDATIONS

Assessment on Motivation and Income Improvement

The data revealed that the establishment of private wings has contribution to motivate and improve the income of medical professionals; however there is still a considerable level of intent to quit among medical professionals. Close to 40 percent of the study participants showed their interest to continue working in their hospitals at list for the coming three years. This may justify the rise in commitment after the introduction of private wings. However there is still high intent to quit, close to 30 percent of the study subjects were actively searching for alternative jobs. Seeking better job oversea, narrow opportunity for further education, poor leadership and communication, poor pay and benefit, inadequate facility and supplies, and seeking better job in private sector and NGOs are reasons for the intent to quit.

The level of private wings’ contribution to make employees stay in the public sector was rated “to some extent” by most respondents. Besides, after the establishment of private wings medical professionals’ commitment and moral show some extent of improvement. The above statements infer that the extent of private wings contribution to make employees stay in the public sector is small and is not at the expected level. In addition regardless of the rise in income still considerable number of respondents claims no change in level of motivation and morale. Therefore, the hospitals must utilize non financial motivators at the same time so as to boost up the level of motivation and moral to the expected level.

Further, the study found that reliance on private wings as sustainable source of income has not yet deepened and professionals’ livelihood improvement after the introduction of the scheme is insignificant. Respondents expect little rise in income followed by those who expect no income rise from the future expansion and development of private wards. The level of livelihood improvement after the launching of private service was also rated insignificant/little; therefore it is difficult to say the establishment of private wings in public hospitals brought momentous improvement in the livelihood of health professionals.

Medical professionals are delighted with their chance of earning extra income from private wings. However, they criticize private wing set ups for not providing the entire necessary benefit package for the staff (see the table below).

Table 2: Level of medical professionals’ satisfaction with pay/benefits

No  

Variables

 

(5)

 

(4)

 

(3)

 

(2)

 

(1)

 

 

Total

1 I am frustrated by the payment in the private wing      16

(8.7%)

   64

(35%)

  85

(46.5%)

    18

(9.8%)

 183

(100)

2 I feel satisfied with my chances for earning extra income     35

(19%)

   66

(36%)

   82

(45%)

 183

(100)

 

3 There are benefits we do not have which we should have    24

(13.1%)

   87

(47.6%)

   48

(26.2%)

   24 (13.1%)  183

(100)

Source: Owen Survey: 2014


Note: (5) = strongly agree, (4) = agree, (3) = neutral, (2) =disagree, (1) =strongly disagree

 In this regard the survey result indicated on an average 50% of the medical doctors (all types) and 40% of other professionals’ total monthly income is earned from private wings. This is a good rise in monthly income due to the establishment and operation of private wings.

Nonetheless, the finding illustrates the existence of equity related complain in the distribution of private wings profit which may contribute to resignation of professionals who feel that they are not sharing equally. (See the graph below). Moreover, the study also found that private wings payment is not as lucrative as other part time option.

Enhancement in Retention and Reduction in Turnover

In the study the contributions and achievement of private wings in retaining medical professionals was also assessed. One third of the health professionals had quit offsite dual practice because of the part time job created in private wings. Therefore, the success of private wings in avoiding off site dual practice (some call it public private overlap) is considerable. In addition all most all respondents who are still engaged in offsite dual practice would give up given private services strengthened and sustained. This implies if properly managed and strengthened public hospital private wings have a potential of reducing unregulated and illegal dual practice.

With regard to medical professionals’ public-private hospitals preference, the result shows “some extent” of preferences of private hospitals over the public ones. However in comparison with prior research (Tigist et.al, 2006) made in the same study area, medical professionals in the public sector had “great extent” of preference of the private sector over the public. Though other variables may contribute for the difference in the extent of preference (“great” and “some”), perhaps motivation resulted from private wings may also contribute which may in part be viewed as a success in this regard.

Moreover, despite the fact that the highest number of respondents (43%) responded that private wings did not significantly reduced turnover so far, decline in turnover after the initiation of private services was noted from the calculation of turnover rates over. Hospitals under the Addis Ababa Health Bureau experience a slow but steady decline in medical professionals’ turnover rate since the establishment of private wings in 2008. (See the graph below)

This decline in medical professionals’ turnover may also be due to other interior and exterior variables, but since private wings were lunched as intervention mechanism to reduce turnover its success in this regard is observable.

On the other hand, close to half of medical professionals who participated in this thesis were considering job oversea even after initiation of private services. Hence, the contribution of private wings to curb outmigration is very insignificant. A focus on monetary compensation as a tool to prevent medical professionals from migrating abroad would mean their total income would have to be raised impossibly high. Therefore, instead of considering private wings as sole instruments, some of the other push factors of outmigration may need to be focused on.

 Attitude and Awareness

With regard to the attitude and awareness of medical staff on different aspects of private wings, the general impression and experience of the medical professionals in private wings is rated positive/favorable and the time they spent in private wings is productive. The establishment of private

wings also created a chance to use maximum skill for medical professionals and sense of hospitals ownership also shows improvement.

The awareness survey reveals that most professionals (87 percent) are conscious of the objective of private wings, but the remaining 13 percent has little awareness of that. This shows some health workers are blindly involved in private service without clearly understanding the objectives. It also shows poor communication and awareness creation activates from the management side. Likewise, there is good level of awareness on the rights and responsibilities of medical professionals involved in private service and on types of services provided in private wards. However, the level of awareness regarding rights and responsibilities of patients and financial aspects (revenue and expenditure, and pricing policy of private wings) is limited. This ambiguity and knowledge gap on the rights and responsibilities of patients and financial aspects of the wards may create conflict and uncertainty which may generate intent to quit.

In the study, most health workers (more than 70 percent) are comfortable with the schedules of private wings (see the chart below). However, since all medical professionals (particularly nurses) are not involved in private wards at the same time, most of them feel underutilized and fail to get a permanent additional income.

 The study also reveals respondents are neither satisfied nor dissatisfied by their workload. Despite the fact that training or special orientation is critical before the implementation of a reform agenda, trainings or at least special orientation program designed particularly for private wing services are not given to the great majority of the professionals. Therefore, the hospitals should organize and provide special trainings for staff discharging private wing tasks.

  Constraints/Challenges of Private Wings in Reducing Turnover

The major constraints/challenges faced by private wings in an effort of reducing medical professionals’ turnover are as follows. First, the income tax issue has slowed down the success of the private wings. The incentive to provide services in the private wings is lessened since the staff member has to report the extra income and pay taxes. The tax issue needs to be resolved with the regional tax bureau, or there may need to be a national policy. A related issue rose by the study subject, particularly nurses, was the need for some system to reward staff based on performance and the equity on pay related complain. Secondly, little knowledge about the existence and operations of private wings among service seekers (patients) is another constraint. Medical service seekers low level of knowledge about private wings as alternative option may create a mismatch between service provider and clients. Thirdly, medical professionals also complain the irregularity of private wings pay due to poor management as a problem. Another constraint is related to the capacity of private wings which make the benefits neither consistent nor all inclusive. Fifthly and finally, hospital managers also expressed their fear of over stretching the already scarce resources in public hospitals due to the establishment of private wing. Therefore unless these problems are solved it may back slide the already attained promising achievements.

Overall, the establishment and operation of public hospital private wings has brought about considerable rise in motivation and in income of medical professionals. The scheme also improved the staffs’ sense of hospitals ownership; created chance of earning extra income, the actual turnover rate was also declined. Nonetheless, professionals’ level of awareness on some aspects of private wings is poor and various challenges/constraints are faced in the process of the wards operation.

 

RECOMMENDATIONS

On the basis of the findings and conclusions reached, the following recommendations are forwarded in order to improve the contribution of private wings in reducing health workers turnover.

 

  • The medical professionals who discharge private wing tasks should have at least basic awareness on different aspects of private wings before taking the responsibilities. To this end relevant and continuous awareness creation and informative seminars has paramount importance to minimize the information gap of staff in private wards. Moreover, there has to be a mechanism to check out whether the provided training has improved the trainees’ attitude and knowledge as well as their performance. Hence, the hospitals should organize and provide informative trainings and seminars as soon as possible.
  • The development of private wings in hospitals for health workers to earn additional income outside of regular hours may already be a step in the right direction. However, reliance on private wings and financial incentives as a sole motivator and retention mechanism is very erroneous. Therefore, hospital management bodies should create good working environment and encourage employees through the application of different incentive mechanisms both financially and non- financially with the support of the government and other stakeholders. Policies and interventions may also want to focus on nonmonetary compensation, which was found to affect health worker motivation worldwide. Policies that provide quality and needs-based compensation in the form of access to further training, career development opportunities, and professional guidance can help in motivating health workers to better perform and motivation.
  • The health bureau and hospitals under it should promote and advertize private wing set ups in public hospitals and provide information for service seekers. Moreover, service seekers should be aware of a broad mix services provided in private wards, the pricing policy and the benefit they enjoy relative to other private options.
    • There are gray areas about private wings among medical professionals and service seekers. Some of these are due to information gap and different perceptions on the effect the private wing will have on the normal health facility services. Hence, the researcher recommends that an in-depth evaluative study on the various methods presently utilized in the various regions as well as in the AAHB facilities be conducted. And the best methods of operating private wings should be presented for all regions to consider. Some national guidelines may also need to be established to allow some consistency across the country.

Collaborations and partnerships form the backbone for most of the cost intensive projects. Public Private partnership projects if implemented and monitored carefully yields mutually beneficial results. Partnership can be monetary, skill based or resource based. Collaboration/ partnership can be within government departments, within private organisation or a mix of two. A case of taking land for using it as a financing tool is also possible as highlighted in thesis infrastructure financing through land which is a project undertaken by government agency.

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TO STUDY THE IMPACT OF VISUAL AIDS ON ACADEMIC ACHIEVEMENT OF 7TH GRADE LEARNERS

[1]* Dr. Mahesh Kumar Muchhal **Reena    ** Arun Kumar

ABSTRACT

 The prime concern of the study is to determine the impact of visual aids on the academic achievement of 7th Grade learner .The design of the study is definitely a type of experimental design, it is mainly of non-equivalent control group design of the Quasi experimental type(as it is not possible to have two absolutely equivalently schools) which is employed to study the impact of visual aids on the academic achievement and achievement motivation of  7th grade learners. The sample of the present study comprised of 78 students of 7th class from two schools namely, Govt. Senior Secondary School, Panjgain and Govt. Senior Secondary School, Barmana as the control group and experimental group respectively and 34 students were assigned to each group. The experiment was conducted for 30 days by using visual aids to the traditional method of teaching. The parallel form of achievement tests (Form A and Form B) prepared by the investigator was used. In the present study the obtained (t=3.81) which is greater then the expected 2.72 at 0.01 level of significance so it is concluded that teaching through visual aids had significant impact on the academic achievement.

KEY WORDS: Visual aids, Academic Achievement

 

INTRODUCTION 

We live in an unusual world marked by great and rapid changes. Since the appearance of man on

this planet, thousand of years rolled by silently before any technological discovery could be made. With an abrupt increase in the number of teachers and learners, the educational pattern of the country has changed immensely and the ineffectiveness of traditional method to meet the growing demands in the field of education there is a great need for novel methods and ways for providing instructions by the well wishers of educational field. The use of visual instruction provides enrichment of education and learning through maximum use of sense of sight. Visual aids means those sources in which only visual organs are used or applied that is knowledge is mainly achieved through visual organs that helps to make teaching and learning more interesting, more stimulating, more reinforcing and more effective.

  • The visual aids are potent starters and motivators.
  • The visual aids help the pupil in making association and recalling ideas.
  • The visual aids should be meaningful purposeful and accurate in every aspect.
  • The visual aids help in classifying various points and concepts.
  • They help to reduce the verbalism.
  • Visual aids contribute to increase retentively as they stimulate response of the whole organism to the situation in which learning takes place.

                    The dictionary meaning of ‘achievement’ is to ‘accomplish’ or to bring successful issue. In the present study the word achievement has also been used with the same meaning i.e. something achieved by the students through class room teaching.  Academic achievement is the amount of knowledge derived for learning, in an educational institution. Any behavior that is learned may come with in the scope of achievement. Academic achievement has found to be related to the acquisition of principles and generalization and also the capacity to perform efficiently certain manipulations of objects, symbols and ideas. Learned and Wood (1938) concluded based on their study that education was unavoidably intellectual in which knowledge was the dominating feature of   educational outcomes. Travers (1955) edge that counts either for admission test into a class.

REVIEW OF RELATED LITERATURE

       Lock and garden (1945) reported that the percentage of usable films for primary elementary and junior high schools and senior schools, college and adult grades were 42%, 20.8%, 62.9%, 81% and 71.7% respectively. Dale (1969) pointed out that the audio-visual aids can generally improve teaching. Dawyer, Francis, M (1975) found the use visualization to complement programmed instruction is an effective instructional technique. Anderson, R.B (1994) concluded that both the visual information and verbal information improved recall of non essential information struction is an effective instructional

RATIONALE OF THE STUDY

The present study the attempt has been made to study the impact of visual aids on academic achievement and achievement motivation. The use of visual aids helps in the enhancement of the achievement level and motivation level of the learners thus, this work assumes more significance. This study will also help to raise the use of visual aids at lower level of learning. Students at lower level are more interested and feel motivated to learn by seeing then by the use of traditional methods of teaching the use of visual aids will positively affect their future thinking toward the scientific knowledge and this will help in increasing the perceptual thinking and enhancement. According to psychologist, the simplest type of learning is the formation and development of perceptual process. The stimulation   of sense organs on path are logically and genetically the beginning of learning process. Such stimulation leads to the organization of the perceptual experience. Perceptual development demands the careful analysis of objects into their elements through observation and the fusion, of there elements into whole which can be achieved by the visual aids.

OBJECTIVE OF THE STUDY

  • To develop the instructional visual aids for teaching science to the students of class 7th.
  • To assess to the impact of visual aids on the achievements in science of class 7th
  • To assess the differential impact of visual aids on the academic achievements of boys and girls of 7th

 

HYPOTHESES

H1   There is no Significant difference on Academic Achievement scores of control and

        experimental group at pre test.

H2   There is no significant difference between pre-test and post-test scores on academic

       achievement of boys and girls of control group.

H3    There is no significant difference on academic achievement between boys and girls of

       experimental group.

H4   There is no Significant difference on academic achievement scores of the control and

       experimental groups at post –test.

H5   There is no Significant difference between pre-test and post-test on academic

        achievement of both the control and  experimental groups.

    DESIGN OF THE STUDY

              The prime concern of the study is to determine the impact of visual aids on the academic achievement of the 7th Grade learner .The design of the study is definitely a type of experimental design, it is mainly of non-equivalent control group design of the Quasi experimental type (as it is not possible to have two absolutely equivalently schools) which is employed to study the impact of visual aids on the academic achievement.

 SAMPLE

Sample of 68 students of 7th class of Govt. senior secondary school of Panjgain and govt. senior secondary school of Barmana were taken in the present study . The 34 students of 7th class of Govt. senior secondary school of Panjgain were taken as control group. They were only exposed to the traditional lecturing- based teaching of science by their regular teachers only and The 34 students of 7th class of govt. senior secondary school of Barmana were taken as experimental group. In the present study, teaching through visual aids is the treatment given to the experimental group.

TOOLS USED

  • Researcher used self made Questionnaire for Achievement Test.

RESULTS

It may be interpretive that the initial mean difference that exists between the control and experimental groups with regard to academic achievement is not significant as such both the groups may be considered to have almost equal level of academic achievement. In other words both the groups may be considered to be equivalent so far as their academic achievement is considered.

Therefore, it may be interpreted that the significance of difference between pre as well as post test scores of boys and girls of the control group are not significant .As such it may be concluded that the mean scores of boys and girls of control group do not vary on academic achievement .In this context, the hypothesis H3 that is, the boys and girls of class 7th   do not differ significant on a academic achievement may be rejected.

Therefore, from the result it may be interpreted that the difference between boys and girls of experimental group on academic achievement is not significant. As such, both the boys and girls of the experimental group may be considered to have almost equal level of academic achievement. As such, the hypothesis that is the boys and girls of 7th class of experimental group differ significantly on academic achievement may be accepted.

Table-4

Means, S.D and t-ratios for post-test of academic achievement scores of control and Therefore, it may be interpreted that the difference that exists between the control and experimental groups with regard to academic achievement is significant .As such, both the groups may not be considered to have equal level of academic achievement and since the , mean scores of experimental group is higher than the control group, it may be concluded that the subjects of experimental group do better under the experimental treatment.

Therefore, it may be concluded that the difference between the said mean scores of the control group is significant. In other words it may be concluded that teaching through traditional method had significant impact on academic achievement of 7th grade learners.

            On the contrary, the study of significant of difference between the pre and post test mean scores of the experimental group on the variable academic achievement as presented in table 5 give at t value of 3.81 it may be mentioned here that the critical values of t ratios to be significant at 0.05 and 0.01 levels of significance need to be 2.03 and 2.72 respectively with 33 degrees of freedom.

            In the present case since the obtained t value of 3.81 is greater than the expected 2.72, at

0.01 level of significance, it may be concluded that there exists significant difference between the pretest and posttest scores of the subjects of experimental groups. On the basis of the result the investigator feels to conclude that the teaching through visual aids had also significant impact on academic achievement of the learners. However, a close look on the mean scores of the control and experimental group reveals that teaching through visual aids is found to be more influential in comparison to the traditional method of teaching.

Findings of the study

              The major findings of the study are presented briefly as follows,

  • The use of visual aids was found to be effective in enhancing the academic achievement.
  • The traditional method of teaching was found to be useful in enhancing the academic achievement of the learners.
  • The use of visual aids was found to be more effective than the traditional method of teaching in enhancing the academic achievement of the learners.
  • The use of visual aids in teaching process found to be effective in             enhancing the achievement of learners in science.

     Conclusion

                  It may be concluded that use of visual aids in teaching has significant importance in enhancing academic achievement among seventh class learners. Teaching through visual aids is more effective for the development of academic achievement traditional lecturing method .It also shows that it is one of the potent way of imparting science education and communicating science and technological advancement in the integrated and holistic manner, Hence special emphasis should be given for the use of visual aids in science education.

 REFERENCES

Anderson, R.B. (1984)    Examining effects of technology mediated visual information : an alternative research approach  Dissertation M.Ed. ,P. U

Chandigarh.

Antonysamy’s , L’s  (1989)  conducted  study related to teaching environmental concepts to school dropout  through video and charts,. Fifth survey of educational research (1982) vol. 1

Basu, M.K., “An investigation on effectiveness of multi-media programmed materials in teaching of physics”: fourth survey of educational research (1983-84) Vol. 1

Golani .T.P(1982) conducted a study on the use of visual aids in the secondary  school of district thane,  fourth survey of educational research,(1983)Vol. 1

Jaiswal,K.(1992),A Study on the effectiveness of T.V programs  in science education .fifth survey of educational research,(1988-92) Vol.1

Mohanty ,J., Giri, A.P.,and Mohanty  P.C(1975)A study on radio programs broadcast during the in service training course, fourth survey of educational research,Vol.1

Vijeeta  Menan, (2003-04) Studied the effect of visual aids  on achievement in science in relation to cognitive style, M.Ed. Dissertation Punjab university

*Dr. Mahesh Kumar Muchhal, Associate Professor, Digamber Jain (PG) College Baraut, Baghpat (U.P)     E-Mail-mkmuchhal @gmail.com

* * Reena, Assistant Professor, Shri Sardari Lal College of Education, Nahoni (Ambala)

** Arun Kumar , Assistant Professor, Shri Sardari Lal College of Education, Nahoni (Ambala)

 

NON PERFORMING ASSETS AND ITS MANAGEMENT (A comparative study between public and private sector)

 

                                                                                                             

Bhanu Uday Somisetti

Dr. P. Raja Babu

                                                      K.Venkateswara Kumar                                                                     

ABSTRACT

Today banking has to play very prominent and crucial role in developing countries like India. In the Indian financial system banks acts as a financial intermediary or institution serves different services to accelerate the economic growth of the country. To improve the financial health of the banks various norms have been introduced at regular intervals. It is quite clear that generally the good health of a bank is reflected in better return on assets. The Non- Performing assets not only reduce the profitability of the banks by writing of the principal amount, as well as the amount of interest on advances and it is also a threat to the stability of the bank. This article mainly focuses on the causes and how a bank manages Non-Performing Assets (NPAs) under the guidelines of RBI.

KEYWORDS: Non-Performing Assets, Financial Institutions, Profitability, Banking Sector, Economic Growth, Reserve Bank of India (RBI).

  1. INTRODUCTION

All assets do not perform uniformly. In some cases, assets perform very well and the recovery of principal and interest happen on time while in other cases there may be delays in recovery or no recovery at all because of one reason or the other. Similarly, an asset may exhibit good quality performance at one point of time and poor performance at some other point of time. NPAs refer to loans which are at risk of default. Reserve Bank of India (RBI) defines “An asset, including a leased asset, becomes non­-performing when it ceases to generate income for the bank. Banks have to classify their assets as performing and non-performing in accordance with RBI’s guidelines. Under these guidelines an asset is classified as non-performing:

  • If any amount of interest or principal installments remains overdue for more than 90 days in respect of term loans.
  • In respect of overdraft or cash-credit an asset is classified as non-performing if the account remains out of order for a period of 90 days and
  • In respect of bills purchased and discounted account, if the bill remains overdue for a period of more than 90 days.
  1. CLASSIFICATION OF NPAs

According to the RBI guidelines banks must classify their assets on an on-going basis into the following four categories:

  • Standard assets: Standard asset service their interest and principal installments on time, although they occasionally default up to a period of 90 days. Standard assets are also called performing assets. They yield regular interest to the banks and return the due principal on time and thereby help the banks earn profit and recycle the repaid part of the loans for further lending. The other three categories (sub-standard assets, doubtful assets and loss assets) are NPAs and are discussed below.
  • Sub-standard assets: Sub-standard assets are those assets which have remained NPAs (i.e., if any amount of interest or principal installments remains overdue for more than 90 days) for a period up to 12 months.
  • Doubtful assets: An asset becomes doubtful if it remains a sub-standard asset for a period of 12 months and recovery of bank dues is of doubtful.
  • Loss assets: Loss assets comprise assets where a loss has been identified by the bank or the RBI. These are generally considered uncollectible. Their realizable value is so low that their continuance as bankable assets is not warranted.

‘If banks do not classify an asset as NPAs, they naturally have more money to earn interest income on their advances. If a large portion of NPAs goes unreported, the bank could reach a situation where it has advanced more money than it has available – a technical bankruptcy’. By giving this leverage ultimately RBI is delaying the inevitable, at some point of time the NPA bubble will burst.

  • KEY RATIOS FOR ASSET QUALITY

There are two key ratios for measuring bank asset quality.

  • Gross Non-Performing Assets (GNPAs): Gross NPAs is the sum of all loan assets that are classified as NPAs as per RBI guidelines. Gross NPA Ratio is the ratio of gross NPA to gross advances (loans) of the bank.
  • Net Non-Performing Assets (NPA) ratio:  Net NPAs are calculated by deducting provisions from gross NPAs. The net NPA to advances (loans) ratio is used as a measure of the overall quality of the bank’s loan book.

Net non-performing assets = Gross NPAs – Provisions

NPA ratio = Net non-performing assets / Advance

  1. CAUSES FOR IMPLICATION OF HIGH NPAS IN THE BANK

Banks with high level of NPAs have lesser funds to give loans and advances, i.e. lesser funds their interest income has to be reduced. Another negative impact of high NPAs:

  1. High level of provisioning (banks are required to keep aside a portion of their operating profit as provisions, higher NPAs will increase the amount of provision thereby impacting the profitability)

Provisioning Norms:

  1. For substandard loans, a general provisioning of 15% on the total outstanding amount is made if the loan is secured, for unsecured loans the total provisioning that needs to be done is 25% of the outstanding balance;
  2. For doubtful assets, provisioning of 100% on the total outstanding amount is made if the loan is unsecured, for secured loans the total provisioning is in the range of 25% to 100 % of the outstanding balance depending upon the period for which the asset has remained doubtful;
  3. Loss assets should be completely written off. If loss assets are permitted to remain on the books for any reason, 100 % of the outstanding amount should be provisioned.
<li>The burden of maintaining the capital adequacy ratio;</li>
<li>Increased pressure on Net Interest Margin (NIM);</li>
<li>Reduce competitive position;</li>
<li>Continuous draining of profits;</li>
<li>Negative impact of goodwill with the bank;</li>
<li>Restricted cash flow by the bank due to the provision of a fund created against the NPA.</li>
  1. OBJECTIVE OF THE STUDY

The main objectives of the study are given below:

  • To study the concept of Non-Performing Assets in the banking sector
  • To analyze the performance of banks under the concept of NPAs
  • To understand how a bank manages its NPAs and
  • To study various channels to recover the NPAs

  1. REVIEW OF LITERATURE
  2. Chandan Chatterjee, Jeet Mukherjee and Dr.Ratan Das, (2012) ‘Management of non-performing assets – a current scenario’ in their study they evident that the NPAs have a negative influence on the achievement of capital adequacy level, funds mobilization and deployment policy, banking system credibility, productivity and overall economy. And they also compare the performance of public, private and foreign banks and they present that the public sector banks are facing more problems with NPAs rather than others.
  3. Amit Kumar Nag, (2015) ‘Appraisal of non-performing assets in the banking sector: An Indian perspective’ the author of this article done a comparative study by taking ten private, public and foreign banks. This article reveals the performance of various banks and he suggested some measures to overcome NPAs difficulty.
  4. Rajeshwari Parmar, (2014) ‘Non-Performing Assets (NPAs): A Comparative Analysis of SBI and ICICI in this study the author takes a comparative study between SBI & ICICI banks and construct a relation between Net profit and Net NPAs. The author found that there is a positive relation. In case of SBI means that as profits increase NPA also increase because of mismanagement on the side of the bank and the other side of the coin ICICI bank got a negative relation which indicates that amount of NPA decreases and Profits will increase more by the amount not becoming NPA. So, they conclude that when compare to SBI (PSB), ICICI (Private bank) manages NPAs efficiently.
  5. Sonia Narula and Monica single, (2014) ‘Empirical Study on Non-Performing Assets of Bank’ in this article the authors conduct a study on private bank i.e., Punjab National Bank (PNB). It is concluded that when PNB Gross and Net NPA compared with total advances we get the result that there is mismanagement on the side of PNB. While analyzing the impact of NPA level on PNB we derived the conclusion that there is a positive relation between Net Profits and NPAs of PNB. It simply means that as profits increases NPA also increases. It is because of the mismanagement on the side of the bank.

  • ANALYSIS AND INTERPRETATION

Table: 01 shows Gross, Net advances and net NPAs of Public and Private Sector banks during the period of 2003-14. It is found that gross, net advances and Net NPAs of public and private sector banks were raised more ten times during the period of 2003-14 whereas the ratio between Net NPAs and Net advances, Total assets have been increasing between 2010 and 2014 for public sector banks whereas private sector banks have been decreasing. It is clearly indicated that when increasing loans and advances as a result Net NPAs also increases.

TABLE: 01 COMPARATIVE ANALYSIS ON GROSS, NET ADVANCES AND NET NPAS BETWEEN PUBLIC AND PRIVATE SECTOR BANKS IN INDIA

 (Amount in Billion)

 

While comparing public and private sector banks with NPAs, public sector banks are back to regulate NPAs and there is a need for proper management of NPAs because to increase the profitability and productivity. Last month, Finance Minister Arun Jaitley had said that though NPAs in the banking sector was a cause of concern, there was no ground to “panic”. Due to NPAs is the challenging for the banking sector and its impact on the economy slowed down. He had said the NPA was mainly in sectors like highways, steel, and textiles.

            Central Bank of India has topped the list of public sector banks with maximum bad loans, including restructured assets as a percentage of total advances. According to the data provided by the RBI to the Finance Ministry, Central Bank of India’s 21.5 per cent assets are either bad or have been restructured to save them turning non-performing assets (NPAs). The other banks, which have significant amounts of gross NPAs and restructured loans include United Bank of India (19.04 per cent), Punjab & Sind Bank (18.25 per cent) and Punjab National Bank by 17.85 per cent as on December 2014. Indian Overseas Bank, State Bank of Patiala, Allahabad Bank and Oriental Bank of Commerce all have bad and restructured loans in excess of 15 per cent. The rising bad loans have become a major concern for the Reserve Bank as well as the government. Most of the restructured loans are from the corporate sector. The top 30 defaulters are sitting on bad loans of Rs 95,122 crore, which is more than one-third of the gross non-performing assets of PSU banks at Rs 2, 60,531 crore as on December 2014.

 

 

  • STRATEGIES FOR RECOVERY
  1. Debt Restructuring

Once a borrower faces difficulty in repaying loans or paying interest, the bank should initially address the problem by trying to verify whether the financed company is viable in the long run. If the company project is viable, then rehabilitation is possible by restructuring the credit facilities. In a restructuring exercise, the bank can change the repayment or interest payment schedule to improve the chances of recovery or even make some sacrifices in terms of waiving interest etc.

The RBI has separate guidelines for restructuring loans. A fully secured standard/sub-standard/ doubtful loan can be restructured by rescheduling of principal repayments and/or the interest element. The amount of sacrifice, if any, in the element of interest, is either written off or provision is made to the extent of the sacrifice involved. The sub-standard accounts/doubtful accounts which have been subjected to restructuring, whether in respect of a principal installment or interest amount are eligible to be upgraded to the standard category only after a specified period.

To create an institutional mechanism for the restructuring of corporate debt the RBI has devised a Corporate Debt Restructuring (CDR) system. The objective of this framework is to ensure a timely and transparent mechanism for the restructuring of corporate debts of viable entities facing problems.

  1. Other recovery options

If rehabilitation of debt through restructuring is not possible, banks themselves make efforts to recover. For example, banks set up special asset recovery branches which concentrate on recovery of bad debts. Private and foreign banks often have a collection unit structured along various product lines and geographical locations, to manage bad loans. Very often, banks engage external recovery agents to collect past due debt, who make phone calls to the customers or make visits to them. For making debt recovery, banks lay down their policy and procedure in conformity with the RBI directives on the recovery of debt. The past due debt collection policy of banks generally emphasizes on the following at the time of recovery:

  • Respect to customers
  • An Appropriate letter authorizing agents to collect
  • Due notice to customers
  • Confidentiality of customers’ dues
  • Use of simple language in communication and maintenance of records of communication

In difficult cases, banks have the option of taking recourse to file cases in courts, Lok Adalats, Debt Recovery Tribunals (DRTs), One Time Settlement (OTS) schemes, etc. DRTs have been established under the Recovery of Debts due to Banks and Financial Institutions Act, 1993 for expeditious adjudication and recovery of debts that are owed to banks and financial institutions. Accounts with loan amount of Rs. 10 lakhs and above are eligible for being referred to DRTs. OTS schemes and Lok Adalats are especially useful to NPAs in smaller loans in different segments such as small and marginal farmers, small loan borrowers and SME entrepreneurs. If a bank is unable to recover the amounts due within a reasonable period, the bank may write off the loan. However, even in these cases, efforts should continue to make recoveries.

  • SARFAESI Act, 2002

Banks utilize the Securitization and Reconstruction of Financial Assets and Enforcement of

Security Interest Act, 2002 (SARFAESI) as an effective tool for NPA recovery. It is possible where non-performing assets are backed by securities charged to the Bank by way of hypothecation or mortgage or assignment. Upon loan default, banks can seize the securities (except agricultural land) without intervention of the court. The SARFAESI Act, 2002 gives powers of “seize and desist” to banks. Banks can give a notice in writing to the defaulting borrower requiring it to discharge its liabilities within 60 days. If the borrower fails to comply with the notice, the Bank may take recourse to one or more of the following measures:

  • Take possession of the security for the loan
  • Sale or lease or assign the right over the security
  • Manage the same or appoint any person to manage the same

The SARFAESI Act also provides for the establishment of asset reconstruction companies regulated by the RBI to acquire assets from banks and financial institutions. The Act provides for sale of financial assets by banks and financial institutions to asset reconstruction companies (ARCs). The RBI has issued guidelines to banks on the process to be followed for sales of financial assets to ARCs.

  1. Through website

            The present era is the internet era, RBI provide website like www.NPAsource.com  to sell the mortgaged assets banks and ARCs can conduct an auction through this website in an effective manner.

  1. RECOMMENDATIONS

            In the above study it can be concluded with some proper recommendations to manage NPAs with an efficient and effective manner. Some of the recommendations can be provided by dividing before advancing and after advancing explained as follows:

  • Before advancing
  • The bank should find the proper reasons prior to provide loans and should verify the purpose of loan required by the borrower.
  • The bank should verify the financial strength of the borrower whether he can repay or not.
  • The bank should go for credit analysis, i.e.. Credit execution and administration, Credit appraisals with the help of CIBIL (Credit Information Bureau India Limited). They should concentrate on short term funds rather than long term because chance to repay will high and working capital will be adequate.
  • Diversification of funds is needed means by investing total in one area you can reduce the risk through diversification to various sources.
  • Banks are under the control of RBI nowadays the regulatory authority is easing the norms on PSBs there is chance of easing the more norms to reduce NPAs.
  • Banks should go their policies and procedures strictly.
  • They should go with proper collateral security.
  • After advances:
  • Need to keep an eye on borrower whether he is paying proper payments are not.
  • If proper repayment is not there banks should critically examine and analyze the reasons behind time overrun.
  • Creation of separate department for recovery of loans with a proper officer.
  • Some studies reveal that bank officials are hesitant to sell bad loans because they fear this might be perceived as an admittance of failure to recover the loan. To sell bad loans to ARCs (Asset Reconstruction Companies) leads some recoveries.
  • There is a need to strengthen and fasten the recovery of loans by banks.
  • Bank officials should frequently visit the unit and should verify the physical position of assets and how it manages because if one unit/branch fails affects the total productivity of the entire bank.
  • Banks should go with various recovery strategies and recovery options to manage NPAs in an effective and efficient manner.
  • They should have proper monitor and manage to control NPAs.

REFERENCES

  1. Chakrabarti, d. M. (2015). The role of asset reconstruction companies (arcs) in non-performing assets (NPAs) management in Indian banking sector: an empirical study. Abhinav international monthly refereed journal of research, Volume 4, issue 5, ISSN-2320-0073.
  2. Chatterjee, 1. C., mukherjee, j., & das, d. (2012). Management of non performing assets – current scenario. International journal of social sciences and interdisciplinary research. 1 issue 11, ISSN 2277 3630
  3. Sonia Narula, m. S. (2014). Empirical study of non performing assets of bank. International journal of advanced research in computer science and management science, Vol 2, issue 1, ISSN: 2321-7782.
  4. Nag, a. K. (2015). Appraisal of non performing asset in banking sector: an Indian perspective. Indian journal of accounting Vol. XIVII, ISSN-0972-1479.
  5. Pacha Malyadri, s. S. (2011). A comparative study of non performing assets in Indian banking industry. International journal of economic practices and theories, Vol. 1, no. 2, e-ISSN 2247 – 7225.
  6. Parmar, r. (2013). Nonperforming assets: a comparative analysis of SBI and ICICI banks. International journal for research in management and pharmacy, Vol.3, ISSN: 2320-0901.
  7. rbi.org.in
  8. moneycontrol.com
  9. npasource.com

TOPIC: SLUMS AND SQUATTER DEVELOPMENT. A CASE STUDY.

KAVITA BHANDARI

SEMESTER V

ABSTRACT

The slum is not only a manifestation of mismanaged urban planning in the countries of the South. The existence of slums worldwide is also a sign that the slum is a crucial element of contemporary urbanisation. This article will attempt to define this phenomenon and understand its causes. Adequate policy responses are then suggested. Without finding appropriate solutions to the housing problems of a majority of urban dwellers, public and private decision makers will not be able to meet the challenges of sustainable development.

The primary causes of slum development are urbanisation, migration of the population from rural to urban areas, lack of proper affordable residences in the urban areas, unhygienic living conditions of the people in these slums. The slums are mostly built in low lying areas next to water bodies and drainages. These also pose as a health hazard for its occupants. The lack of sanitation facilities like proper toilets and bathrooms leads to unhealthy habits like open defecation, washing of clothes in the polluted river water, breathing in the stale, unclean air.

The secondary factors like education facilities, basic government services like policing, security etc are non-prevalent in the slum areas. As the slums are an illegal settlement on government land, the people have no life security and may be asked to evacuate at any time. Even the houses they live in are small compact and tightly packed. The settlement is very rudimentary and haphazard without any proper planning. These being situated in low lying areas are the first to be affected during natural disasters like floods and rains. The government has taken several measures to uplift the pitiful living conditions of the slum dwellers.

The report also contains case studies, both Indian and foreign, for further explanation on the life in squatter settlements. The case study in India is based on Dharavi, Asia’s biggest slum. The financial capital of India known as Mumbai is home to estimated 6.5 million slum people.

Nearly half of Mumbai’s Population lives in small shacks surrounded by open sewers. Nearly 55% of Mumbai’s population lives in Slum areas. Despite of Government efforts to build new houses and other basic infrastructure, most of the people living in slum areas do not have electricity, water supply and cooking gas.

The second case study is on Sao Paulo, in Brazil. A home to one of the biggest slums in the world called Favelas. Slums world‐ over share some common characteristics including a higher incidence of violent crime due to lack of attention from local law enforcement, a higher incidence of disease due to poor sanitation and access to healthcare facilities, the dominance of the informal economy and political bosses, and a higher incidence of child labour, prostitution, and substance abuse. Clearly, the culture of a nation or region plays a large role in determining the degree to which these factors shape the slum. The development of slums appears to be an entirely organic phenomenon which occurs when poorer countries that have under‐developed

urban management, governance structures and poor infrastructure undergo rapid industrialisation and urbanisation and fail to minimise the disparity of prosperity between the urban and rural population.

INTRODUCTION

One of India’s biggest challenges today is coping with the wave of urbanization unleashed by economic liberalization. An estimated 160 million people have moved to the cities in the last two decades, and another 230 million are projected to move there within the next 20 years.

Unfortunately, as any visitor to India can see for themselves, its major metros and tier‐II cities are clearly finding it difficult to cope with the inflow of people. It is no surprise that India’s famously poor infrastructure is critically over‐strained. In response, the ill‐equipped urban systems and the informal housing that are the slums have expanded exponentially in the last few decades without proper access to basic services such as sanitation, healthcare, education, and law and order. While they are often teeming with entrepreneurial activity, they are nevertheless an inefficient use of the city’s human resources and land. In order to truly unleash the productive potential of this dynamic urban population, India will need to build scalable urban systems capable of housing, caring for, employing and integrating large and increasing numbers of new inhabitants. India is not alone in this challenge of course; Mexico, Brazil and Africa have some of the largest slums in the world. It is unclear that there are simple solutions to the problem of slums given their extraordinary organic growth rates– 70% of the world’s population is expected to live in urban centers by 2050 – and solving slums requires a rethink of the design of cities and their borders as well as of the role of rural areas. The challenge is incorporating all of these factors and still being able to provide safe and sounds residences to the abundant inflow of people, with proper planning and without the compromise on the use of the resources of the state.

In this article we will be running through the problems faced by the government due to slum and squatter settlements. The appalling living conditions of these illegal settlements, the health problems caused, the issues faced by the people living there and ways of rectifying this situation in the best possible manner.

WHAT ARE SLUMS?

“Slums are litmus tests for innate cultural strengths and weaknesses. Those peoples whose cultures can harbor extensive slum life without decomposing will be, relatively speaking, the future’s winners. Those whose cultures cannot will be the future’s victims.” – Robert D. Kaplan, The Coming Anarchy, 1994

A slum is a heavily populated informal urban settlement characterized by substandard housing and squalor. While slums differ in size and other characteristics from country to country, most lack reliable sanitation services, supply of clean water, reliable electricity, timely law enforcement and other basic services. Slum residences very from shanty houses to professionally built dwellings that because of poor quality design or construction have deteriorated into slums.

Slums form and grow in many different parts of the world for many different reasons. Some causes include rapid rural-to-urban migration, economic stagnation and depression, high unemployment, poverty, informal economy, poor planning, politics, natural disasters, and social conflicts.

Most of the people who live in slums are extremely poor, and many are treated as second class citizens by their society. Health problems tend to be very high, as a result of improper sanitation and lack of access to basic health care. Malnutrition is another serious problem in many places, as is crime, which can make them very dangerous for their inhabitants.

Many people view slums as the ultimate symbol of inequality, and in some regions, such areas have formed in some very unexpected locations, sometimes neighboring the homes of the wealthy. Organizations that campaign against them argue that no human being should be forced to live in such poor conditions, and that as a basic act of humanity, cities need to provide livable low cost housing and regulate construction.

Unfortunately, the solution is seldom this simple. The world’s population is rapidly growing, putting immense pressure on available resources, and as developing countries become more developed, this pressure is likely to grow. Although it is somewhat disheartening to think about, gross inequality seems to go hand in hand with growing societies.

HOW DO SLUMS DEVELOP?

Democracy provides free mobility to its people. Part of the freedom of India’s democratic population is the apparent liberty to pursue their dreams anywhere in the country and India’s aspiring population is dynamic and determined to do so. The great slums of India are predominantly created when large numbers of individuals or families move to the urban centres of their dreams, usually in search of better economic prospects. Mumbai has been the number one choice of generations of Indians for decades. These urban centres are not geared to, nor governed in a manner that can accommodate (or reject) such an influx of people. As a result, the incoming migrants find accommodation in unorganised dwellings. India’s slums have received global attention not just from the global NGOs but also in popular culture through movies like Slumdog Millionaire,which portray them as centres of unmitigated squalor and despair. However poor this quality of life may seem from the outside, from a migrant slum‐dweller’s perspective, living there is an entirely rational decision based on three basic factors:

  1. A Higher and More Stable Income. The productive employment opportunity in the urban centre will likely generate a higher and more consistent personal disposable income than in the place of origin – likely a rural, farming centre (e.g. being a chauffeur in Mumbai is a more lucrative and sustainable job proposition than being a labourer at a farm, typically a small plot in an un‐electrified village with erratic water availability.

  1. Social Mobility for the Next Generation. Raising children in an urban environment creates a higher “option value” for the next generation. Typically, cities offers a wider choice of education and employment opportunities, and while no parent wishes their child to grow up in a slum, the chances that the child could rise to a middle class life provides a strong incentive to migrate to one from the countryside. This contrasts to a child growing up in a village dominated by a sub‐scale farm with poor education and employment opportunities, who is unlikely to ever have the same social mobility opportunity.

  1. No Other Option. Unfortunately, slums are the only way to inhabit the city for the vast majority of migrants. With little available low‐cost housing of decent quality near the city centre, a rural migrant would need to go well outside even the suburbs and outskirts of the city to be able to afford real estate. Given the poor transport linkages to the cities, this can create a significant trade‐off for migrant in terms of the occupations that are available and their earnings potential. As a result, most are willing to compromise and make the trade‐off to slum housing in the city to be closer to the place of work.

The coalescing of this process over decades, with successive waves of migrants and no exodus of the previous waves leads to slums growing in scale and scope (see inset on the phases in slum development). Over time, informal economies develop in these slums as they form their own social practices and codes in the absence of any effective oversight from the local government. The larger slums often become a zone for small‐scale industries by illegally diverting public resources (water, electricity) to meet their requirements. These slums also provide bluecollar

labour for construction, manufacturing, and other trades.

Clearly, India’s slums are far from their popular stereotypes as only centres of disease and want. Indeed, an overwhelming number of people in these slums have left their homes in the countryside in the pursuit of opportunities in urban India because of their strong aspirations. Ironically, it is the informal economy which traps many of these slum‐dwellers into the vicious cycle of poverty.

Without real options for their children to secure competitive standards of schooling and with the overwhelming number of slum‐dwellers not trained for the better jobs, social mobility for this class, though inspiring when it occurs, is still limited. Further, continuing urbanisation and slum growth through fresh arrivals from the countryside increases competition for limited resources and, opportunities further reducing both liveability and individual chances for mobility. The very presence of slums ultimately risks creating a different class of urban citizens who only rarely mix with the other ‘classes’ other than as employees. While India’s slums today are full of ambitious hard workers, lack of opportunity can quickly institutionalise poverty and create an unbridgeable gap between poor and rich. Although global technological innovation and India’s growth provides its slum dwellers with access to some of the modern consumables such as motorcycles, televisions, and mobile phones, their ability to shape their own destiny remains limited – and the productive potential of the young migrants eager to work is under‐utilised. However, having established viability and survived attempts to dismantle the slum, India’s largest slums like Dharavi, are now in phase VI, continuous growth through adaptation. This makes them an organic entity that has demonstrated its Darwinian survival status.

Strategies for transforming India’s slums

The history of urbanisation is full of examples of cities which started off by being the hosts (willingly or not) to the economically weaker section of the population who were ultimately graduated from poor living conditions to a combination of affordable housing and basic civic amenities. The solution ultimately lies in better nations, not just better cities, which are scalable and capable of not only absorbing the inflow of people (from within or without), but in fact are economic magnets in attracting the best talent from the country. Five insights provide the basis of the solution.

Firstly, slums are a logical response to urbanisation and the relative lack of opportunity outside of major urban centres in predominantly poor countries. They are facilitated by the right to migrate. So, they are a structural phenomenon.

Secondly, slums become a system of living perpetuated by economics, politics and societal factors. Therefore, it makes sense to see them as a part of the system of a country and also the global system of trade and distribution of wealth.

Thirdly, people accept and adapt to their circumstances without (external) triggers to encourage them to do otherwise. In this sense, slums are adaptive organisms.

Fourthly, slum dwellers can improve the slum to a large extent if mobilised to do so. Therefore, they can also be developed as one would any organisational entity through the application of techniques of change management.

Finally, slum dwellers cannot transform their slum (into a non‐slum) without the support of the environment around them. They lack the critical human and financial resources to make a clean break from their situation. Their transformation requires external impetus and resources. In the absence of this external intervention, they can become disenfranchised rather than citizens in‐waiting and have the potential to develop a culture, set of values and behaviours that can threaten the on‐slum environment they live in.

“People accept and adapt to their circumstances without (external) triggers to encourage them to do otherwise … slums are adaptive organisms”

Therefore, ultimately, a comprehensive and long‐term solution to the problem of India’s slums cannot be about the slums themselves. A viable solution would have to take a holistic view dealing with India’s larger macro challenges and recognise the critical role which cities will have to play if India is to successfully transition into a middle‐income country. Such a solution and would include the following strategies:

  1. Industrial Revolution and Continued Development. While it was the industrial revolution which led to a wave of rapid urbanisation in the West and gave rise to slums,without the industrial revolution, the West would not have been able to afford to develop housing and infrastructure required for its growing populations. The solution to slums is not to reverse industrialisation or to try and contain urbanisation, but indeed to press forward with it more aggressively so that businesses can afford to provide jobs to slum‐dwellers and pay them a proper wage.

  1. Knowledge and Freedom Advantage. India is not fully leveraging its “freedom advantage” (see our previous paper on China which highlights the strong link between a society’s freedom and its development potential) which should in theory allow for people to strive to realise their aspirations. In particular, India needs to create an open knowledge economy where the slum‐dwellers are empowered to solve their own problems and have the access to financing to do so. This requires scaled charities and NGOs that can apply global bestpractices to tackling India’s urban issues and also raise the necessary financing.

 

  1. Slum Architecture. Lesson from other cities indicate that slums are best solved when housing is horizontal not vertical. In order to assimilate slum‐dwellers into urban life instead of further ostracizing them, India cannot just bulldoze the slums and pile up the people into apartment blocks. A real solution would involve building high‐quality, low‐cost, multi‐storey, diverse formats in the current areas such that these become integrated with the rest of the city (as we see in London or Paris). This needs the best brains in India and the world to come in and design the solutions. The slum is merely the platform for an urban re‐invention.

  1. Sustainable Continuous Dynamic Infrastructure Provisioning. The government needs to create a framework for gradual and continuous upgrading of slum infrastructure through innovative public‐private models and by leveraging the many dynamic charities and NGOs in India. Such a model would see the slum‐dwellers become the driving force of, rather than bystanders to, the improvement of their living conditions by empowering them to identify the solution and then finance and implement it.

  1. Rural ReVisioning and Investment. India cannot solve its slum problem by focusing on the cities alone. Any city which develops the systems to accommodate more people and create economic opportunities will attract a disproportionate number of migrants putting it under further strain unless opportunities in rural areas are sufficiently attractive relative to those in the city. Therefore a comprehensive solution would necessarily have to involve improved infrastructure, schools, employment opportunities and the overall quality of life in India’s small towns and rural centres. India’s countryside has all the potential of a Switzerland (Kashmir and the Himalayas), the Caribbean (the many beaches along its long coast), an African safari (the many wildlife sanctuaries and forests), and a Gulf desert trek (Rajasthan’s deserts and palaces) – however, the

country has barely begun to exploit this potential.

CASE STUDY: INDIA (MUMBAI)

THE DHARAVI SLUM

Dharavi slum is located in Mumbai (formally Bombay) in India. India‛s and Mumbai’s biggest slum is known as Dharavi. There are a million people crammed into one square mile in Dharavi. At the edge of Dharavi the newest arrivals come to make their homes on waste land next to water pipes in slum areas. They set up home illegally amongst waste on land that is not suitable for habitation. In the wet monsoon season these people have huge problems living on this low lying marginal land. Many of the people here come from many parts of India as a result of the push and pull factors of migration.

 

Conditions in the slum

 

In the slum people have to live with many problems. People have to go to the toilet in the street and there are open sewers. Children play amongst sewage waste and doctors deal with 4,000 cases a day of diphtheria and typhoid. Next to the open sewers are water pipes, which can crack and take in sewage. Dharavi slum is based around this water pipe built on an old rubbish tip. The people have not planned this settlement and have no legal rights to the land. There are also toxic wastes in the slum including hugely dangerous heavy metals. Dharavi is made up of 12 different neighbourhoods and there are no maps or road signs. The further you walk into Dharavi from the edge the more permanent and solid the structures become. People live in very small dwellings (e.g.12X12ft), often with many members of their extended families.

Many architects and planners claim this slum could hold the solution to many of the problems of the world‛s largest cities. Water is a big problem for Mumbai’s population; standpipes come on at 5:30am for 2 hours as water is rationed. These standpipes are shared between many people. Rubbish is everywhere and most areas lack sanitation and excrement and rats are found on the street. 500 people share one public latrine. The famous cloth washing area also has problems, despite its social nature sewage water filters into the water used for washing clothes.

The Positives of Dharavi Slum

 

There are positives; informal shopping areas exist where it is possible to buy anything you might need. There are also mosques catering for people’s religious needs. There is a pottery area of Dharavi slum which has a community centre. It was established by potters from Gujarat 70 years ago and has grown into a settlement of over 10,000 people. It has a village feel despite its high population density and has a central social square. Family life dominates, and there can be as many as 5 people per room. The houses often have no windows, asbestos roofs (which are dangerous if broken) and no planning to fit fire regulations. Rooms within houses have multiple functions, including living, working and sleeping. Many daily chores are done in social spheres because people live close to one another. This helps to generate a sense of community. The buildings in this part of the slum are all of different heights and colours, adding interest and diversity. This is despite the enormous environmental problems with air and land pollution. 85% of people have a job in the slum and work LOCALLY, and some have even managed to become millionaires.

Recycling and waste in Dharavi

 

Kevin McCloud found that people seemed genuinely happy in the slum. However, toilets are open holes above a river – hardly hygienic. This could lead to Dengue fever, cholera and hepatitis Dharavi has a recycling zone. It is claimed that Dharavi‛s recycling zone could be the way forward to a sustainable future. Everything is recycled from cosmetics and plastics to computer keyboards. 23% of plastic waste gets recycled in the UK, in Mumbai it is 80%. However, it is humans who work to sift the rubbish in the tips where children and women sift through the rubbish for valuable waste. They have to work under the hot sun in appalling conditions. They earn around a £1 a day for their work. At the edge of the tip the rag dealers sort their haul before selling it on to dealers. The quandary is that people have to work in poor conditions to recycle waste. From the tip it arrives in Dharavi where it is processed. It is sorted into wire, electrical products, and plastics. Plastics in India are continuously recycled. People work in dangerous conditions with toxic substances without protective clothing; this could affect people‛s life expectancy. Even dangerous hospital waste is recycled. One private enterprise makes the metal cages inside suitcases, making 700 pieces per day, paid 3 rupees per piece. There are 15,000 one room factories in Dharavi which there are 300 feeding most of Mumbai. Many of the products from Dharavi end up around the world based upon very cheap labour. Many of the people work in very poor working conditions, and includes children. Indeed, Dharavi is trying to do in 20 years what the west did in 200, develop.

CASE STUDY: ABROAD (SAO PAULO, BRAZIL)

THE FAVELAS

The Favelas are densely packed informal settlements made of wood, cardboard, corrugated iron and other makeshift materials. Later they are replaced by concrete block construction. Often only one wall at a time will be built as a family saves up enough money to buy materials for the next wall. Then concrete tiles replace corrugated iron or other makeshift materials on the roof.

The large-scale improvement in favelas in São Paulo is due to residents’ expectations of remaining where they are. This in turn reflects a change in public policy in the past 20 years, from one of slum removal to one of slum upgrading.

Attempts to tackle the slum housing problem

Over time, a range of attempts have been made to tackle the housing crisis in São Paulo. These include:

  • A federal bank (BNH) which funded urban housing projects and low-interest loans to lower and middle-income home buyers
  • A state-level cooperatives institute (INCOOP) which helped to build housing for state workers such as teachers
  • A state-level development company (CODESPAULO) for housing for low-income families and financing of slum upgrading projects
  • A collaborative private sector/state company scheme (COHAB) to develop housing for limited-income families
  • A municipally managed COHAB for public housing construction, which also funded self-help projects (‘mutiroes’) to upgrade substandard housing.

During the period 1965 to 1982, over 150,000 housing units were built or upgraded, mostly through COHAB. Since the early 1980s, because of cutbacks at federal and state levels, the public housing burden has fallen more heavily on the municipality. Due to its own financial problems the number of housing units built by the municipality each year since the mid-1980s has averaged less than 6,000 a year.

The administration of leftist mayor Luiza Erundina (1989–92) tried to speed up public house building. Here the emphasis was on self-help housing initiatives, known as ‘mutiroes’. The city supplied funding directly to community groups. The latter engaged local families to build new housing or to renovate existing housing. However, the annual house building total only increased to 8,000 during this period.

The new strategy

The election of socialist mayor Marta Suplicy in 2000 marked a change in strategy towards the housing issue:

  • The new administration promised to spend $R3 billion on housing during its term in office.
  • The 1,000 unfinished Cingapura housing units were to be completed.
  • The new strategy would be designed to obtain maximum impact for minimum cost.
  • The concept of the mutiroe (self-help scheme) was resurrected, assisting families in self-construction or upgrading of their own homes.
  • The house unit cost of self-help schemes is between $R11,000 and $R15,000 compared to over $R20,000 for housing units in the Cingapura Project.
  • A flagship scheme to alleviate poverty in favelas is under way in Santo André (Figure 13).

Occupation of buildings by homeless

In July 2003, more than 4,000 homeless people occupied four abandoned high-rise blocks in the centre of São Paulo. Police prevented the occupation of two other buildings. This occupation and others was organised by ‘Movimento Sem Teto do Centro’ (Movement of Roofless in Centre). This organisation is protesting about the poor record of the authorities in tackling the homeless problem. They are also angry about the way street sellers are treated, with the authorities confiscating their goods because they are trading without licenses. For many homeless families and others, street selling is their only source of income.

Conclusion

Brazil has a greater disparity in income levels than most other countries. This impacts on housing and all other aspects of the quality of life. The occupation of buildings by homeless people is an illustration of the social tensions that such a wide income disparity can bring. It can be argued that housing is the biggest problem that São Paulo and Brazil in general has to tackle.

CONCLUSION

All the strategies described above on their own can transform the slums. However, if implemented together, they could represent a sea change in the way that world’s mass migration and resulting urbanisation is managed. This requires a recognition that the reason why slums in India persist and continue to expand is because of the failure to address fundamental issues of economic opportunity across the country, population growth, urban and rural development and education and skills development. A middle income India will indeed demand world‐class cities and conversely, to reach middle income levels, India needs to create opportunity for the population to be gainfully employed. Given India is already in the midst of a rocky economic cycle at the same time as slums are growing at the edge of every major city, the investment in urban infrastructure can create a highly positive multiplier effect for the economy while addressing a major issue. There is no single point in time or crisis which will tell us that India’s cities have suddenly become “un‐livable”; however if the status quo prevails for the next 20 years, they will get progressively more chaotic and at some stage in the not‐too‐distant future, it will be impossible to harness the economic potential of India’s population without even more radical changes than those outlined above. Addressing this issue is one of the key steps in the regeneration of the India story and will have a highly positive impact on the success of the next government. Indeed, solving the issue is about as difficult as putting a man on the moon, but would have massive collateral benefits for the nation as a whole and would be a true indicator that India is truly ready to play its role on the global stage.

“Solving the issue is about as difficult as putting a man on the moon, but would have massive collateral benefits for the nation as a whole and would be a true indicator that India is truly ready to play its role on the global stage.”

REFERENCES

  1. http://www.indiaonlinepages.com/population/slumpopulationinindia.html
  2. McKinsey, India’s Urban Awakening, 2010
  3. Deccan Herald, “Dharavi SelfCreated Special Economic Zone for the Poor”, 2011
  4. Sussane Wendt(1997), Dissertation for phd, Slum and Squatter settlements in Dhaka
  5. Kevin McCloud, Slumming It

INDUCING FEATURES OF FEMALE ENTREPRENEURES

Muhammad Tariq ,Hammad Tahir ,Kanwal H Tahir Ranjeet Kumar

Abstract

This paper is designed to discover the demographic uniqueness of women entrepreneurs in Pakistan. Moreover, this paper is also aimed to investigate the degree of control for social insinuations on women entrepreneurs. The study was carried out the Sind province of Pakistan. A representative sample of population was selected from Karachi city of province Sind, Pakistan.

 150 questionnaires were distributed among the female entrepreneurs and 120 responded to it.

The study concludes that Entrepreneurship is a powerful factor for today’s wealth of knowledge to achieve its spirited and energetic moral fiber. It is the pouring force for the accomplishment of economic growth and employment generation, enhancing, at the same time, to self growth and efficiently transnationalizing with various societal phenomenon. In Pakistan, women chipping in entrepreneurial motions are very poor. Rationale of this investigation was to discover the social, cultural and economic insinuations of women entrepreneurship and classify the reasons and inspirational features, obstructions and feminist’s biasness. The investigation has exposed that woman chipping in entrepreneurial commotions in Pakistan are largely wedded with poor literacy level and with grown up age which is 32-50 years.

Keywords. Entrepreneurship, Empowerment, Social Justice.

  1. INTRODUCTION

Now-a-days, female entrepreneurship is a famous building block of economy. To achieve spirited place in vibrant economy, it is necessary to get information of all features of women entrepreneurship. Female entrepreneurship; looks like to be the inspiring verve to attain economic development. It is the path to create jobs which can add value to personal development concurrently. Numerous economic and social tribulations, all over the world, could efficiently be dealt with (Sarri and Trihopoulou, 2004). In last two and a half decades, many Western-European states have witnessed a bump up in women entrepreneurship as an effect of cultural, political and economic transform (OECD, 1997).

Lots of states around the globe are vigorously looking for methods and techniques to endorse entrepreneurship. The vital character of women entrepreneurs could not be ruled out in various emergent states, where, female entrepreneurs are performing important responsibilities to assist their administration. The significance of SMEs discloses the appalling need to impart jobs. There is also a need to boost economic augmentation and generate additional resources for large-scale ventures in states that are not glowingly developed (Hailey, 1987).

Significance of the Study

Women entrepreneurship assists the procedure of economic growth, establishment of fresh employment, and curbs unemployment in underdeveloped areas. Entrepreneurship also assists in to cut back human resettlements. Women entrepreneurs have demonstrated that they can lever small scale schemes around the globe. Entrepreneurial motions are limited and are inadequate in Pakistan. A survey conducted by World Bank has calculated entrepreneurial motions in 84 rising & industrial countries in 2003-2005. Middling entrance tempo in Pakistan, measured as fresh entrants of companies annually (as a %age), registered businesses were 7%. This is lesser than lots of the regional standards worldwide (Mahmood et al., 2012).

Less entrepreneurial motions in Pakistan are discouraging and want consideration of public and private sector. SMEs are playing a significant role in economy of Pakistan. Large-scale motions are leading in manufacturing and also providing the lot of jobs. Enterprises having fewer than hundred employees are more or less 90% of all private endeavors in the industrial sector. SMEs are providing jobs to 78 % of the work force which is non-agriculturalist.

Problem Statement

Women entrepreneurs could not work in detached atmosphere. They perform their duties in the similar large-scale, authoritarian and institutional skeleton; where gentleman of the social order works. One should understand that the height of feminist’s bias-ness intensely have entrenched in our society, which limits the women’s mobility.

The business environment for females replicates the difficult interchange of lots of factors which could be separated into two fundamental categories.

1st Category encompasses of social, cultural, traditional and religious fundamentals. This facet of the society is shaped over from centuries. It is inherited in the structure of the society and obviously customary in the female’s subordinate standing. The gender narrow-mindedness of the system is very rigid and innate because its authenticity is depicted from the persistency of a conventional state of mind, accepted sacraments and a solid faith in the structure of society.

2nd category of issues is depicted from the 1st group. This category engrosses constitutional compositions, policy papers, regulatory provisioning and institutional instruments. It is modern not customary, so it’s unprejudiced.

The customary arrangements form complexities for females in broad and for entrepreneurs in special in two conducts: First, they are biased intrinsically; second they restrain the justness-based symphony of contemporary institutions and their just working, as up-to-the-minute institutions are resulted from conventional ones.

Objective of the Study

  1. To discover the demographic uniqueness of women entrepreneurs in Pakistan.
  2. To investigate the degree of control for social insinuations on women entrepreneurs.

Research Question

  1. Does literacy rate induce on participation of women entrepreneurs in Pakistan?
  2. Does work experience induce on participation of women entrepreneurs in Pakistan?

  1. LITERATURE REVIEW

This chapter highlights other scholars work on the inducing features of female entrepreneurs. The responsibility allotted to entrepreneurship; for fiscal & monetary augmentation and development particularly in the rising economies like USA, Germany, China, UK, Japan, Canada to correct their developmental thoughts and map and see new ventures development as very important to their economic troubles.

Entrepreneurship; as the largest force of economic expansion which is being lauded for its significance in the area of employment, revenue creation, poverty reduction and wealth conception. This phenomenon is now identified as the major element in the theory of economic development (Cheston & Kuhn, 2009) and it making up the biggest business sector in economy. It has been documented as the runner of job creation and economic development (Miner & Haunschild, 2005).

Small & Medium Enterprises are adding over 30% to Gross Domestic Product (GDP), earnings from export of manufacturing are 25% and 35% through value addition in the manufacturing sector. Maximum Small & Medium Enterprises are fabricating small value addition products; which budges on conventional expertise even if they manufacture one forth of exports through manufacturing (Chemin, 2007). Femininity biasness deters dealings of women, their vigorous economic inputs and opening to business expansion traits.

It is an unfortunate face of our society that woman totally deficient in liberty of tongue (Goheer, 2003). The business environment for females replicates the difficult interchange of lots of factors which could be separated into two fundamental categories.

Fereidouni, Masron, Nikbi and Ameri (2010)examine that when graduates take a step to start a business then fear of  failure automatically builds in their minds, normally in Chinese culture the factor of  fear is very common among them because they are afraid of  loss in the business.

Liao and Sohmen (2001) conclude that it has very bad effects on the business and also effects on the effective decision, it builds the connection with destruction. It builds in the minds because of results of  action. In regards of social negative impression about entrepreneurs Roxas, Cayoca-Panizales and Jesus (2008) concludes that for young graduates it creates lot of negativity in the minds of graduate entrepreneurs which are angriness, sadness and tension. It builds the sense of discouragement and fear that they will not become successful entrepreneurs without taking any steps towards it. In number of states, lots of facts are available which proves that female react in a diverse way against as expected (Duncan, 1991) because of dissimilar cultural ethics. Cultural ethics and conventional customs decide the level of independence of a person in numerous civilizations.

Entrepreneurship; is a wish able excellence which can abolish all the associates, correlated to economic growth, social inequalities and jobs.

Entrepreneurship is also significant for the help of SMEs (United Nations, 2006). With an active SMEs sub- sector in the production progression developed and under developed states are expected to rely low on big industries to drive their economy towards prosperity. This is due economic rejuvenation and expansion is expected to increase driven within the vehicle of entrepreneur formation and the industry group. Femininity bias-ness deters dealings of women, their vigorous economic inputs and opening to business expansion traits.

 It is an unfortunate face of our society that woman totally deficient in liberty of tongue (Goheer, 2003). Small & Medium Enterprises are adding over 30% to Gross Domestic Product (GDP), earnings from export of manufacturing are 25% and 35% through value addition in the manufacturing sector. Maximum Small & Medium Enterprises are fabricating small value addition products; which budges on conventional expertise even if they manufacture one forth of exports through manufacturing (Chemin, 2007).

Entrepreneurship; is therefore, a procedure which involves a readiness to revive market aid, innovate, threat taking and being far upbeat than other players towards discovering new business openings (Miner & Haunschild, 2005). It draw attention of both male and female who are interested in profitable inter-industry affiliation. To make certain enough development in entrepreneurship; considerable research has examined the participation of both men and women. This group has quickly joined hands all together to attain success in business and enterprise development (Morris, 2006).

  • RESEARCH METHODOLOGY & PROCEDURE

The research methodology is an organized way that is planned to answer the research problem. The objective of the research is to get information about Pakistani female entrepreneurs. This survey was devised on quantitative bases to discover the social, cultural and economic features liable for the women entrepreneurship.

The study was carried out the Sind province of Pakistan. A representative sample of population was selected from Karachi city of province Sindh, Pakistan.

 150 questionnaires were distributed among the female entrepreneurs and 120 responded to it. The questionnaire was comprised of three sections, section A carried 10, section B carried 12 questions and section C comprised of 5 questions totaling to 27 questions. The addresses and contact numbers of Female entrepreneurs were taken from the official website of Trade Development Corporation of Pakistan (TDAP).

  1. Results and Interpretation

Data analysis is to describe facts after application of methods discovered by a research. It assists to sense blue print of data and researchers build up more explanations from data analysis. It is also desired for hypotheses testing.

  1. Demographic Features Of Female Entrepreneurs
  2. Age Group

The graph shows that a major part of the female entrepreneurs i.e. 36.7 percent are between 31 to 40 years old. 4.2 percent are below 20 years. Most Female entrepreneurs are of the superior age. In Pakistan youthful women do not adopt business field due to man domination. These results indicate the facts to confirm same findings by previous researches.

  1. Marital Status

Above graph indicates those 62.5 percent female entrepreneurs are married. In the other category falls 2.5 percent, which means that either they are divorced or separated. From the results, it is evident that cultural and social barriers are obstacles for unmarried and juvenile entrepreneurs.

  1. Education

65 percent female entrepreneurs are not even intermediate or metric. Only 10.8 percent have Masters Degree, which implies that greater part of women is uneducated. In Pakistan, literacy rate is very low.

  1. Business Type

24.2 percent female entrepreneurs are running garments business while only 10 percent are shopkeeper. The above results show that female entrepreneurs not interested in interactions with men.

  1. Breadwinner

The above graph shows that 48.3 percent breadwinner of female entrepreneur were husband and 21.7 percent were father, while only 29.2 percent were themselves.  This clearly indicates that we live in men driven society, where income from women is not feel well.

  1. Number of Children

The graph shows that 30 percent female entrepreneurs have between1 to 3 children while only 14.2 percent have more than 5 children. Results of this research are also correlated with the previous findings of (Vatharkar, 2012).

  1. Type of Family

The above graph shows that 53.3 percent female entrepreneurs are from nuclear family, while 4.2 percent are from extended one. These results also matched with the findings of (Vatharkar, 2012).

  1. Basis And Inspirational Features Behind Businesses

The purpose of these queries is to examine the basis and inspirational features behind women entrepreneurs businesses.

  1. Started Business due to Family Background

A vast majority i.e. 80 percent female entrepreneurs replied in negation of family business history, while 9.2 percent replied to some extent. This clearly indicates that female have more inclination to do business without family history. It also shows the costiveness of female entrepreneurs towards business.

  1. Started Business due to Self Interest

A popular majority of 48.3 percent woman entrepreneurs replied that they have started their business due to their own interest to great extent. Similarly, 17.5 percent replied to some extent. This indicates that a vast number of female entrepreneurs have begun their business because of their self interest.

  1. Started Business to achieve Self Confidence

43.3 percent of female entrepreneurs replied that they have started the business to gain self confidence which shows that have started their business because they want to contribute towards the betterment of the society.

  1. Started Business to achieve Autonomy

A vast strength of the female entrepreneur i.e. 58.3 percent negate that they have started business to achieve autonomy while only 19.2 percent replied ‘to some extent’.

  1. Started Business due to fear of unemployment

An enormous number of female entrepreneurs i.e. 74.7 percent have negated the concept that they have started business because fright of being joblessness. Infect, they want to contribute towards the prosperity of the nation and specially to encourage female entrepreneurship.

  1. Started Business due to encouragement of family & friends

41.7 percent female entrepreneurs have said that they have started their business because of F&F’s encouragement which tell us that if our society encourage the female entrepreneurs then they can contribute a lot to boost the nation’s economy as well as can add muscle to the income of their families along with the people attached to them.

  1. Are you satisfied with becoming a Female Entrepreneur?

79.2 percent female entrepreneurs have shown as proud to become a entrepreneur while only thin percentage of 3.30 percent negated it, which shows their satisfaction with their field.

  1. Is Economic Security is source of Satisfaction?

A large strength of female entrepreneurs i.e. 75 percent have agreed to great extent that Economic Security is the source of satisfaction for women while only 1.70 percent disagreed.

  1. Sources of Money

There was mix response regarding source of money as for as to start a business is concerned. 37.5 percent strongly agreed, 30 percent to some extent and 32.5 percent said not at all.

  1. Female Entrepreneurship

The purpose of these queries was to investigate the entrepreneurial conditions of female entrepreneurs related to their businesses. In simple, it highlights the present and future aspects of their businesses.

  1. Satisfied with the present business?

A greater part of female entrepreneurs i.e. 54.2 percent are strongly agreed, 29.2 percent to some extent while only 16.7 percent are not happy with their business.

  1. Want to Maintain Current Business?

65.8 percent female entrepreneur’s strongly agreed to continue their businesses, while 26.7 percent agreed to some extent and only 7.5 percent do not want to continue their businesses.

  1. Favorable conditions for Business?

This is the only question in this whole study wherein the female entrepreneur’s strongly disagreed and 37.5 percent females said that conditions are not favorable for females while 35 percent replied in to some extent. 37.5% respondents replied that conditions are not favorable for females.

In Pakistan, women do not have sufficient rights to sources and technology, suitable guidance, enough market information. International Labour Organization has reported that the key barricades to expand women entrepreneurship are a deficiency of reasonable skills and training or poor level of education. Still attitudes, the psycho social powers of the entities and cultural circumstances are of great significance in pressurizing the entrepreneurial performance patterns.

  1. Any Restrictions from Family?

54.2 percent female entrepreneur’s revealed no restriction from their families, 26.7 percent said up to some extent and 19.2 percent said that their family has resisted them for doing business.

  1. Degree of Family Support

70 percent female entrepreneurs have said that their families have supported them to great extent while only 6.7 percent replied in negation. This shows that changing trends of our male dominated society, which an encouraging sign is.

 

Chi-square = 14.38; d.f. = 6; Significance = .027*; Gamma = .224; * = Significant

The above table shows the relationship among literacy rate of female entrepreneurs and their chipping in level in female entrepreneurial activities.

Chi-square value indicates an important relationship between literacy rate of female entrepreneurs and their chipping in level in female entrepreneurial activities.

Gamma value demonstrates an affirmative connection among the variables. It denotes that literacy rate of the female entrepreneurs has positive association with female entrepreneurial participation rate.

It also indicates that majority of the female entrepreneurs who have education level up to Bachelors or Masters, they have medium to high stage of chipping in level in female entrepreneurial activities in contrast to below metric and intermediate female entrepreneurs.

So, the hypothesis 1: “Literacy rate will induce female entrepreneurial participation rate” is accepted.

Chi-square = 13.53; d.f. = 6; Significance = .038*; Gamma = .182; * = Significant

The above table shows the relationship among Job experience of female entrepreneurs and their chipping in level in female entrepreneurial activities.

Chi-square value indicates an important relationship between job experience of female entrepreneurs and their chipping in level in female entrepreneurial activities.

Gamma value demonstrates an affirmative connection among the variables. It denotes that job experience of the female entrepreneurs has positive association with female entrepreneurial participation rate.

 It clearly demonstrate that female entrepreneurs who have job experience up to one year have low chipping in rate towards female entrepreneurial activities. While the female entrepreneurs who have more than one year of job experience have more chipping in rate towards female entrepreneurial activities.

So, the hypothesis 2: “Job experience will induce female entrepreneurial participation rate” is accepted.

  1. Conclusion

Entrepreneurship is a powerful factor for today’s wealth of knowledge to achieve its spirited and energetic moral fiber. It is the pouring force for the accomplishment of economic growth and employment generation, enhancing, at the same time, to self growth and efficiently transactionlizing with various societal phenomenon.

In Pakistan, women chipping in entrepreneurial motions are very poor. Rationale of this investigation was to discover the social, cultural and economic insinuations of women entrepreneurship and classify the reasons and inspirational features, obstructions and feminist’s biasness. The investigation has exposed that woman chipping in entrepreneurial commotions in Pakistan are largely wedded with poor literacy level and with grown up age which is 32-50 years.

In Pakistan, women reasons of chipping in entrepreneurial commotions because of some inspirational features and family adversities. Major inspiration for woman entrepreneurs to earn bread for self use and for personal satisfaction Female entrepreneurs stands facing lots of difficulties to start a new venture. Lack of money is a major problem for women entrepreneurs. Having less managerial skills, less awareness and knowledge regarding banking and market are key questions in way of women entrepreneurship. Women do not adopt the entrepreneurship side due to the indentation of Gender related concerns like, gender inequality, age inequality, pestering, redundant calls, etc.

In Pakistan, business atmosphere is not encouraging for women. Statistical investigations indicate an important linkage between job experience of business of the female entrepreneurs and their views about women entrepreneurship. Findings explain important linkages between monthly earnings of the female entrepreneurs and their views about women entrepreneurship.

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