留学生服务业市场分析 [4]
论文作者:英语论文论文属性:课程作业 Coursework登出时间:2014-09-11编辑:yangcheng点击率:5974
论文字数:2811论文编号:org201409101300325722语种:英语 English地区:加拿大价格:免费论文
关键词:服务业分析Economics EssayServices Sectorservice第三产业部门优质服务 industry
摘要:这是一篇加拿大的留学生服务业分析论文,服务部门或服务性行业是一个经济体的三个经济部门之一,统称为第三产业部门。它产生服务或无形的项目作为其输出,而不是货物或一种最终产品。这一经济部门提供服务、就业并且对国内生产总值(GDP)做出贡献, 在全球各地几乎所有的经济活动中占有越来越多的份额。
promotes Micro Finance programme by forming self help groups in the state. The programme was started in 1999 with the objective to bring the poor families above the poverty line by ensuring appreciable income over a period of time. The programme tries to organize the rural poor in to self help groups through a process of social mobilizing, training, capacity building and provision of income generating assets through a mix of bank credit and government subsidy.
Self help groups (SHGs) are a group of rural poor who volunteer to organize themselves in a group which may consist of 10-20 members. The lowest numbers of members are 5 in case minor irrigation project, disabled persons and in difficult areas like desert and hilly areas with scattered and sparsely distributed population which is applicable in case of Mizoram. A total of 1805 SHGs was formed under SGSY from 2000-2007 in the state (Table: 4) out of which 1058 groups were given financial assistance with a total expenditure of Rs.9.89 crore.
TABLE: 4
PROGRESS UNDER SGSY IN MIZORAM (2000-2007)
Year
Number of SHG formed
No. of SHGs assisted
Total Expenditure (Rs. In lakh)
Source: Statistical
Abstract of Mizoram 2007, Directorate of
Economics and Statistics, Aizawl.
During 2000-01, total 225 SHGs were formed but only 97 groups got financial help. The number of SHGs has increased considerably during the successive years; simultaneously the number of financially assisted groups has also increased considerably. Aizawl district has shown the highest number of SHGs formation during the year 2006-07, out of which 15 groups has been assisted under the SGSY scheme with an expenditure of Rs.32.40 lakh. Serchhip district shows the lowest amount of expenditure (Rs. 6.00 lakh only), having 7 SHGs with an average financial assistance of Rs.0.85 lakh per group.
Source: Economic Survey of Mizoram, 2007-08, Planning and Programme Implementation Department, Government of Mizoram, Aizawl.
The average financial assistance given to each SHGs in the state during 2006-07 was Rs. 1.37 lakh (Table: 5). The highest amount of financial assistance received by the groups in Champhai district, each SHGs in the district was given Rs. 2.82 lakh during the year 2006-07.
National Bank for Agriculture and Rural Development (NABARD), which is pioneering the Micro Finance programme in the country, appears in the banking scenario of the state in 1995 as a sub-office of its Guwahati Regional Office. This sub office has been upgraded to Regional Office in 2000. NABARD initiates Micro Finance programme in the state and is doing well in this field. To make the Micro Finance programme popular among the tribes of the state, NABARD prescribes the formation of SHGs with at least 20 members. Suitable modifications have been made in the policies to suit the region which leds to dramatic changes in the programme. The number of SHGs linked to banks in the state was just 28 in March 2005. By March 2006 their number had jumped to 974, which means 946 new SHGs had opened accounts with banks. In SHGs, the emphasis is on savings and credit is given later, after the banks have made their own assessment of risks involved. In Mizoram, the NABARD chief made it possible for SHGs to open accounts only when assured of a loan. That encouraged the formation of SHGs and their l
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