留学生服务业市场分析 [5]
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:5977
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。
inkages with banks.
TABLE: 6
ANNUAL PROGRESS OF NABARD UNDER MICRO FINANCE (2007-08)
Source: NABARD, Regional Office, Aizawl.
During the year 2007-08 NABARD has disbursed Rs. 1080.46 lakh to 703 SHGs (Table: 6) under its Micro Finance programme. The highest amount has been disbursed through Rural Banks i.e. Rs.852.47 lakh to 626 SHGs. Up to March’ 2008, there were 4681 SHGs who had opened account with various banks with a total savings of Rs.790.38 lakh. Commercial banks have the largest number of SHGs account holders (2754) while rural banks have the highest amount of savings (Rs.752.03 lakh) (Table: 7). Aizawl district shows the highest numbers of SHGs who succeeded in getting financial assistance under Micro Finance programme of NABARD during the year 2007-08. Aizawl district alone accounts for about 40 percent of the total SHGs in the state who received financial assistance in 2007-08.
Source: NABARD, Regional Office, Aizawl.
The average bank loan disbursed to the SHGs in Aizawl district was Rs. 2.96 lakhs which is the highest in the state, while the SHGs in Serchhip district has been disbursed, in an average only Rs. 36 thousand of bank loan (Table: 8). The main reason behind the uneven growth of SHGs and the progress of Micro Finance among the districts in the state may be due to the sparsely distribution of population, poor awareness among the people, lack of banking and other financial services etc. However, Aizawl district shows a comparatively satisfactory progress which may be due to the better provisions of infrastructural facilities which are available as compared to other parts of the state such as power, transport, banking, and marketing etc. Moreover, there exist the economies of scale, both internal and external in the state capital.
Source: NABARD, Regional Office, Aizawl.
CONCLUSION
The analysis of the trend and progress of the services sector of Mizoram in general and Micro Finance in particular shows that despite its various bottlenecks, this sector of the state economy has vast potential in terms of employment, income and poverty alleviation. Though the state has vast natural and physical resources, yet the primary and secondary sector is not in a position to keep pace with the latest developments. Due to its geographical, locational and other disadvantages, these sectors have limited scope for development while that for the service sector is enormous. Over the years, the tertiary sector appeared as the major contributor to the SGDP. There is a need for sectoral shift in the occupational structure of the working force toward the tertiary sector in order to minimize the budding dilemma of poverty, unemployment, underemployment and disguised unemployment.
Tourism, IT, banking and financial services has better scope for greater income and employment generation in the state. In the field of Micro finance in Mizoram, though it has joined the programme lately, has shown a noticeable progress in terms of SHGs financed and loan disbursed. However, the growth of SHGs and progress of Micro Finance in the state is uneven and skewed towards urban areas, there is a need to review the performance of Self Help Groups Bank Linkage programmes, identify factors that retard its progress and take corrective measures to improve its performance across the state. Success of Micro Finance in
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