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Research paper thumbnail of The Effects of Financial Literacy on the Financial Performance of Small-Scale Enterprise. (The Case of Makola Market)

TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT

This study sought to evaluate the Effects of Financial Literacy on the financial Performance of s... more This study sought to evaluate the Effects of Financial Literacy on the financial Performance of small-scale Enterprises. Financial. The findings of this study would benefit the government and other stakeholders in knowing whether the gains of the financial literacy training can outweigh the costs of undertaking the training. This study adopted a descriptive survey design. The target population for this study is all the small-scale enterprises at the makola market which was 6034 traders. The target sample was 100 and since this is a descriptive study, Simple random sampling is more appropriate as it gives all items in a population an equal chance of being selected. Primary data was gathered by use of structured questionnaires which was both open and close-ended questions. Data gathered from the questionnaires was analyzed quantitatively using statistical package for social sciences (SPSS) computer software. SPSS generated both descriptive and inferential statistics. Descriptive statistics including the mean and standard deviation was used to capture the characteristics of the variables under study. Inferential statistics was used to analyze the relationship of the independent variable and the dependent variables. The study established that there was positive correlation between the dependent variable (financial performance) and the Independent Variables (financial literacy). Financial literacy also affected the savings and behavior of small-scale enterprise owners at makola market while savings behavior and attitude do not have effect on financial performance which means that the performance of traders at makola market is not determined by their savings behavior.

Research paper thumbnail of Estimating the value of "Source Verification" in Iowa feeder cattle markets

Source verification and pooling of feeder cattle into larger lots resulted in higher selling pric... more Source verification and pooling of feeder cattle into larger lots resulted in higher selling prices compared with more typical sales at a southern Iowa auction market. After accounting for higher prices due to larger lot sizes, cattle that received a specified management program and were source verified as to origin received additional price premiums. The data do not distinguish between the value of the specific management program and the value of the source verification process. However, cow-calf producers participating in the program took home more money.

Research paper thumbnail of Using survival analysis to improve pre-emptive fire engine allocation for emergency response

Research paper thumbnail of Estimating the Value of Source Verification of Feeder Cattle

Source-verified (SV) feeder cattle auctions were held in Bloomfield, Iowa, each October, November... more Source-verified (SV) feeder cattle auctions were held in Bloomfield, Iowa, each October, November, and December from 1997S2000. This study compares price data from these SV auctions to traditional auctions at the same location to determine whether a premium exists for SV feeder cattle. Hedonic pricing models were estimated to evaluate the price effects of lot characteristics, market forces, and type of market (SV versus regular sale). The SV cattle were sorted and pooled into large lots. The larger lot size, consistent with early research, earned large price premiums. After accounting for lot size, the SV premium for lighter cattle (< 650/ 600-pound steers/heifers) was estimated at $1.30/cwt, and was significant. The SV premium over and above lot size was not significant for heavier feeder cattle.

Research paper thumbnail of First responders' response area and response time analysis with/without grade crossing monitoring system

Fire Safety Journal, 2016

Research paper thumbnail of The Farmapine Model: A Cooperative Marketing Strategy and a Market-Based Development Approach in Sub-Saharan Africa

... FGL is a marketing concern that processes and exports the farmers' produce. ... This amo... more ... FGL is a marketing concern that processes and exports the farmers' produce. ... This amount is significant when compared to Ghana's per-capita gross national income of $320 (World ... that they are optimistic about the future of their operations and the pineapple business in general ...

Research paper thumbnail of The Impact of Bse, FMD, and U.S. Export Promotion Expenditures on Japanese Meat Demand

The study examined Japanese consumer response to the discovery of BSE and discusses implications ... more The study examined Japanese consumer response to the discovery of BSE and discusses implications for the U.S. beef industry following BSE discovery in the U.S. Impacts of FMD and export promotion expenditures were also modeled. Synthetic inverse and ordinary demand systems were used to appropriately specify the demand system.

Research paper thumbnail of The Effects of Financial Literacy on the Financial Performance of Small-Scale Enterprise. (The Case of Makola Market)

TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT

This study sought to evaluate the Effects of Financial Literacy on the financial Performance of s... more This study sought to evaluate the Effects of Financial Literacy on the financial Performance of small-scale Enterprises. Financial. The findings of this study would benefit the government and other stakeholders in knowing whether the gains of the financial literacy training can outweigh the costs of undertaking the training. This study adopted a descriptive survey design. The target population for this study is all the small-scale enterprises at the makola market which was 6034 traders. The target sample was 100 and since this is a descriptive study, Simple random sampling is more appropriate as it gives all items in a population an equal chance of being selected. Primary data was gathered by use of structured questionnaires which was both open and close-ended questions. Data gathered from the questionnaires was analyzed quantitatively using statistical package for social sciences (SPSS) computer software. SPSS generated both descriptive and inferential statistics. Descriptive statistics including the mean and standard deviation was used to capture the characteristics of the variables under study. Inferential statistics was used to analyze the relationship of the independent variable and the dependent variables. The study established that there was positive correlation between the dependent variable (financial performance) and the Independent Variables (financial literacy). Financial literacy also affected the savings and behavior of small-scale enterprise owners at makola market while savings behavior and attitude do not have effect on financial performance which means that the performance of traders at makola market is not determined by their savings behavior.

Research paper thumbnail of Estimating the value of "Source Verification" in Iowa feeder cattle markets

Source verification and pooling of feeder cattle into larger lots resulted in higher selling pric... more Source verification and pooling of feeder cattle into larger lots resulted in higher selling prices compared with more typical sales at a southern Iowa auction market. After accounting for higher prices due to larger lot sizes, cattle that received a specified management program and were source verified as to origin received additional price premiums. The data do not distinguish between the value of the specific management program and the value of the source verification process. However, cow-calf producers participating in the program took home more money.

Research paper thumbnail of Using survival analysis to improve pre-emptive fire engine allocation for emergency response

Research paper thumbnail of Estimating the Value of Source Verification of Feeder Cattle

Source-verified (SV) feeder cattle auctions were held in Bloomfield, Iowa, each October, November... more Source-verified (SV) feeder cattle auctions were held in Bloomfield, Iowa, each October, November, and December from 1997S2000. This study compares price data from these SV auctions to traditional auctions at the same location to determine whether a premium exists for SV feeder cattle. Hedonic pricing models were estimated to evaluate the price effects of lot characteristics, market forces, and type of market (SV versus regular sale). The SV cattle were sorted and pooled into large lots. The larger lot size, consistent with early research, earned large price premiums. After accounting for lot size, the SV premium for lighter cattle (< 650/ 600-pound steers/heifers) was estimated at $1.30/cwt, and was significant. The SV premium over and above lot size was not significant for heavier feeder cattle.

Research paper thumbnail of First responders' response area and response time analysis with/without grade crossing monitoring system

Fire Safety Journal, 2016

Research paper thumbnail of The Farmapine Model: A Cooperative Marketing Strategy and a Market-Based Development Approach in Sub-Saharan Africa

... FGL is a marketing concern that processes and exports the farmers' produce. ... This amo... more ... FGL is a marketing concern that processes and exports the farmers' produce. ... This amount is significant when compared to Ghana's per-capita gross national income of $320 (World ... that they are optimistic about the future of their operations and the pineapple business in general ...

Research paper thumbnail of The Impact of Bse, FMD, and U.S. Export Promotion Expenditures on Japanese Meat Demand

The study examined Japanese consumer response to the discovery of BSE and discusses implications ... more The study examined Japanese consumer response to the discovery of BSE and discusses implications for the U.S. beef industry following BSE discovery in the U.S. Impacts of FMD and export promotion expenditures were also modeled. Synthetic inverse and ordinary demand systems were used to appropriately specify the demand system.

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