Securitization: An Alternative Funding Mechanism for the Microfinance Institutions

Despite microfinance has been widely appreciated as an informal financial mechanism to provide financial services to the poor people in developing countries, this sector is still lacking behind in fulfilling the demand gap due to the dearth of adequate funds. Securitization opens a new horizon that overcomes the funding barriers of microfinance through which the top tier Microfinance Institutions (MFIs) can accumulate funds to enlarge their portfolio without issuing any debt or equity. This paper is a desk study that synthesizes how securitization can be used in the funding of the MFI portfolio and what are the benefits and risks associated with securitization of microfinance portfolio. As a case study, we use the two examples of cross-border securitizations in the microfinance industry to diagnose the role of securitization in microfinance

Securitization: An alternative funding mechanism for the microfinance institutions / Shahadat Hossain and Rubaiyet Hasan Khan

Despite microfinance has been widely appreciated as an informal financial mechanism to provide financial services to the poor people in developing countries, this sector is still lacking behind in fulfilling the demand gap due to the dearth of adequate funds. Securitization opens a new horizon that overcomes the funding barriers of microfinance through which the top tier Microfinance Institutions (MFIs) can accumulate funds to enlarge their portfolio without issuing any debt or equity. This paper is a desk study that synthesizes how securitization can be used in the funding of the MFI portfolio and what are the benefits and risks associated with securitization of microfinance portfolio. As a case study, we use the two examples of cross-border securitizations in the microfinance industry to diagnose the role of securitization in microfinanc

A FlexiWork App – An Innovative Way to Measure and Monitor Productivity while WFH for Academicians

Academics need better workplace flexibility as their brains can never wholly switch off from work. Therefore, flexible working arrangements (FWA) are linked with enhanced productivity. This research proposes a self-monitoring tool using a mobile application. FlexiWork App is a self-monitoring application designed for an academic to self-measure the impact of workplace flexibility on productivity; and secondly, for the institution to monitor the academic's key performance indicator (KPI) achievement. Hence, this application will benefit both the academics and the university in monitoring the KPI of the staff. Keywords: Flexible Working, Productivity, Academic, Mobile Apps eISSN: 2398-4287 © 2022. The Authors. Published for AMER ABRA cE-Bs by e-International Publishing House, Ltd., UK. This is an open-access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/). Peer–review under the responsibility of AMER (Association of Malaysian Environment-Behaviour Researchers), ABRA (Association of Behavioural Researchers on Asians/Africans/Arabians), and cE-Bs (Centre for Environment-Behaviour Studies), Faculty of Architecture, Planning & Surveying, Universiti Teknologi MARA, Malaysia. DOI: https://doi.org/10.21834/ebpj.v7i21.371

Using Two-Factor Theory to Examine Female Teachers’ Identity in Higher Education Institutions in China

The number of female teachers in higher education institutions in China has exceeded half of the total number of teachers. However, their work and quality of life are far from reaching the ideal level, with many facing an identity dilemma. Based on the two-factor theory, using purposive sampling,125 female teachers in higher education institutions were given a questionnaire. Independent t-test and correlation analysis was used to examine the factors affecting the female teachers’ identity in China’s higher education institutions. This study suggests solutions to improve female teachers' identity dilemmas and their quality of life

Using Dass-21 to Measure the Psychological Stress of Malaysians during Covid-19

The Movement Control Order (MCO) was imposed in Malaysia in March 2021 due to the Covid-19 pandemic. This six-month control led to a substantial psychological impact among Malaysians. Using a quantitative survey based on the DASS-21 instrument, 400 Malaysians answered a questionnaire to examine whether demographic factors, risk perception, individual behaviour, mental health and media usage affected the psychological impact of Malaysians during COVID-19. Findings indicate that COVID-19 did impact Malaysians more due to the movement constraint. Besides contributing to the body of knowledge, this study shows that workplace policies that affect quality of life need immediate attention. Keywords: Psychological Impact; COVID-19; Mental Health; Quality of Life, SDG eISSN: 2398-4287 © 2023. The Authors. Published for AMER & cE-Bs by e-International Publishing House, Ltd., UK. This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/). Peer–review under responsibility of AMER (Association of Malaysian Environment-Behaviour Researchers), and cE-Bs (Centre for Environment-Behaviour Studies), College of Built Environment, Universiti Teknologi MARA, Malaysia. DOI: https://doi.org/10.21834/ebpj.v8i24.467