Relevant bibliographies by topics / Association of savings and credits

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
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  5. Conference papers
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Academic literature on the topic 'Association of savings and credits'

Author: Grafiati
Published: 25 June 2021
Last updated: 5 February 2022

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Journal articles on the topic "Association of savings and credits"

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Ankrah Twumasi, Martinson, Yuansheng Jiang, Frank Osei Danquah, Abbas Ali Chandio, and Wonder Agbenyo. "The role of savings mobilization on access to credit: a case study of smallholder farmers in Ghana." Agricultural Finance Review 80, no. 2 (2019): 275–90. http://dx.doi.org/10.1108/afr-05-2019-0055.

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Purpose The purpose of this paper is to examine the effect of savings mobilization on access to credit among smallholder farmers’ in the Birim central municipality of Ghana. Design/methodology/approach A cross-sectional primary data set was used to estimate the factors influencing smallholder farmers’ access to credit and size of loan to be borrowed using the IV-Probit and IV-Tobit model. Findings The results of the study revealed that savings mobilization has a positive significant impact on access to credit and the total amount of credit one can borrow as well. Other control variables such as transaction cost and farm size depicted a negative significant impact on access to credit. Land ownership, member of an association, household size, years of farming experience and education also showed a positive significant impact on access to credit. Research limitations/implications The paper only examined the savings effect on credit accessibility among smallholder farmers in one of the municipality’s in the Eastern region of Ghana. Future research should consider all or many municipality for an informed generalization of findings. Practical implications This paper provides evidence that smallholder farmers knowledge on the financial market is poor and it would require the policymakers or NGOs to organize financial management training programs so that the farmers high ignorance of the financial market will significantly reduce. Originality/value Although existing studies have examined smallholder farmers’ access to credit, the unique contribution of this paper is the analysis of the impact of saving mobilization on credit accessibility in Ghana, a major access to credit determinant in the financial market. In addition, those researchers who factored in savings as an access to credit determinant did not also consider the casual relationship between these two variables, thus, the present of endogeneity of which this paper does.
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Epper, Thomas, Ernst Fehr, Helga Fehr-Duda, et al. "Time Discounting and Wealth Inequality." American Economic Review 110, no. 4 (2020): 1177–205. http://dx.doi.org/10.1257/aer.20181096.

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This paper documents a large association between individuals’ time discounting in incentivized experiments and their positions in the real-life wealth distribution derived from Danish high-quality administrative data for a large sample of middle-aged individuals. The association is stable over time, exists through the wealth distribution and remains large after controlling for education, income profile, school grades, initial wealth, parental wealth, credit constraints, demographics, risk preferences, and additional behavioral parameters. Our results suggest that savings behavior is a driver of the observed association between patience and wealth inequality as predicted by standard savings theory. (JEL C91, D15, D31, E21)
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Singh, Pukhraj, Nitin Kumar Nag, Lalit Kumar Verma, and Dushyant Kumar. "Performance and problems of self help groups (SHGs) in Meerut district of Uttar Pradesh." International Journal of Agricultural Invention 4, no. 01 (2019): 76–80. http://dx.doi.org/10.46492/ijai/2019.4.1.12.

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The present study was carried out in the rural area of Meerut district, with the objective to find out the study the performance of SHGs and problems faced by the SHGs in the study area. As a part of primary data collection, a sample (random) of 110 women respondents were selected out of 22 SHGs operating in the district. The data was collected during the period July 2018 - Dec 2018. A self-help is a small, economically and attractive group of 10-20 rural people which comes together to save small amounts regularly. It generally performs various types of economic activities with the help of their small savings. Self-help groups are informal association of women. The main purpose of such an association is to enable members to mobilization of savings and credit facilities gain economic benefits out of mutual help, solidarity and social responsibility. SHGs is the group based approach, which helps the women members of each SHGs to accumulate capital by way of small saving and helping them to get credit facilities from their funds. Presently, the women of the society are facing the financial problem to start business or to undertake different economic activities to become self-employed and self-reliant.
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Ateiwi Alrawahdeh, Salah Turki, and Ali Abdel Fattah Hamda Zyadat. "The Role of the Islamic Banks in Increasing Domestic Saving and Funding Economic Development in Jordan." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 18 (May 21, 2021): 905–15. http://dx.doi.org/10.37394/23207.2021.18.86.

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This article explored the role of Islamic banks in increasing the amount of domestic savings and funding the economic development process in Jordan during the period (2010-2019). A descriptive analytical approach was adopted. The data was obtained from the Association of Banks in Jordan. It was analyzed through carrying out the linear regression analysis. The researchers concluded that the assets of Jordanian Islamic banks increased. That indicates that there was an increase in the savings of Islamic banks. They found that the total credit facilities provided by Islamic banks to individuals and for all sectors have increased. They found that there is a positive significant relationship between the assets in Islamic banks from one hand and credit facilities from another hand. They recommend exerting effort to increase the savings of Islamic banks.
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Sadr, Seyed Kazem. "The optimum size of rotating qarḍ ḥasan savings and credit associations". ISRA International Journal of Islamic Finance 9, № 1 (2017): 15–26. http://dx.doi.org/10.1108/ijif-07-2017-003.

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Purpose Several indigenous credit and savings schemes have been accredited recently in developing countries for the benefit of households and entrepreneurs alike. Famous among them are the Rotating Savings and Credit Associations (ROSCAs) that exist in almost all continents currently. The rapid development of ROSCAs and their varied structures in many countries have been the subject of numerous studies. What has not been thoroughly analysed is the optimum size of these associations and the fact that lending and borrowing is without interest. The aim of this paper is to present a model that would determine the optimum size of ROSCAs and deal with the following issues: how the group size varies with changes in the income level of the members, the demand for the loan, the size of the collected loan and its duration. Further, the question of whether or not lending to the association in return for obtaining larger sums is a violation of the qarḍ (loan) contract is dealt with, and several Sharīʿah compatible formulations are provided. Design/methodology/approach Economic analysis has been applied to show the optimum size of Qarḍ Ḥasan Associations (QHAs), which are the Sharīʿah-compliant equivalent of ROSCAs, and the Sharīʿah rules of the qarḍ contract to illustrate the legitimacy of group lending. Findings The major findings of this study are determination of the optimum size of QHAs, the factors that affect the size and suggestion of alternative legal forms for group financing. Research limitations/implications Inaccessibility to sources of data to test the hypothesis that has been put forth is the main difficulty encountered when conducting research on the subject. Practical implications The paper concludes that the development of informal interest-free ROSCAs in both Muslim and non-Muslim countries is an efficient informal microfinance scheme and that it is compatible with Sharīʿah rules. Originality/value The optimum size of ROSCAs and QHAs has been presented in this paper.
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van den Brink, Rogier, and Jean‐Paul Chavas. "The Microeconomics of an Indigenous African Institution: The Rotating Savings and Credit Association." Economic Development and Cultural Change 45, no. 4 (1997): 745–72. http://dx.doi.org/10.1086/452306.

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Widyastuti, Pristiana, Ari Soeti Yani, and Kustiadi Basuki. "Household Financial Management through Arisan for Saving and Lending Association in Kiarasari Village [Pengelolaan Keuangan Rumah Tangga melalui Peranan Arisan Simpan Pinjam di Desa Kiarasari]." Proceeding of Community Development 2 (February 21, 2019): 55. http://dx.doi.org/10.30874/comdev.2018.96.

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Household financial problems occur due to expenditure exceeds income. Ideally, financial planning is based on the amount of expenditure divided into 40% for consumption or living cost, 30% for credit, 20% for savings or investment and 10% for another unexpected cost. The most important things that need to be done in managing household finances is the existence of savings or investment. However, the people of Kiarasari Village, Sukajaya Sub-District, Bogor District still face several obstacles such as minimum road access and lack of banking retail. Arisan in Kiarasari Village was expected to be an alternative to providing non-formal financial services. Arisan has a function for saving and lending money in a traditional way. This community service aimed at counseling and educating household financial planning and Arisan management. Based on the results of the activity, the target community was committed to applying the counseling material in real life. This activity had an impact on the community to be able to manage household finances in a disciplined manner
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Umar, Haruna S., and Emmanuel Peter. "Level of Savings among Maize Farmers in Doma Local Government Area of Nasarawa State, Nigeria." Journal of Agricultural Extension 25, no. 1 (2021): 38–47. http://dx.doi.org/10.4314/jae.v25i1.3s.

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The study examined level of savings among maize farmers in Doma Local Government Area of Nasarawa State, Nigeria. Multistage sampling procedure was used to select 80 respondents in the study area. Primary data were collected using well-structured questionnaire. Data were analyzed using descriptive statistics and Multiple Linear Regression. The results show that half of the respondents (50.0%) were within the age bracket of 21 - 40 years with a mean age of 42 years. Majority (83.8%) of the respondents were married. About 26.2% of the respondents had between 11 and 15 years of farming experience. More than half (56.2%) of the respondents belong to one cooperative association or another. Most of the respondents (81.2%) had access to extension contact with 46.3% of the respondents operating savings accounts with commercial banks. Household size (0.819**), farming experience (-0.589**), membership of association (-5.635**) and revenue from maize farming (0.00028**) were significant at 5% and constitute major determinants of savings in the study area. It is recommended that efforts should be made to increase earnings from maize farming through improved productivity by appropriate extension service. Also, savings with the financial institutions by the maize farmers should be encouraged through whittling down of administrative bottlenecks and, through extension of collateral-free credit facilities to them.
 Keywords: Savings, maize farmers, commercial banks
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Azar, Alex M. "FIRREA: Controlling Savings and Loan Association Credit Risk Through Capital Standards and Asset Restrictions." Yale Law Journal 100, no. 1 (1990): 149. http://dx.doi.org/10.2307/796766.

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Ajija, Shochrul Rohmatul, and Asif Iqbal Siddiqui. "Impact of Joining Rotating Savings and Credit Association (Rosca) on Household Assets in Indonesia." Journal of Developing Areas 55, no. 3 (2021): 205–16. http://dx.doi.org/10.1353/jda.2021.0061.

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Dissertations / Theses on the topic "Association of savings and credits"

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Vargas, Emmanuel Roque, Montesinos Ricardo Cadillo, and David Mauricio. "Prediction of financial product acquisition for Peruvian savings and credit associations." Institute of Electrical and Electronics Engineers Inc, 2020. http://hdl.handle.net/10757/656581.

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El texto completo de este trabajo no está disponible en el Repositorio Académico UPC por restricciones de la casa editorial donde ha sido publicado.<br>Savings and credit cooperatives in Peru are of great importance for their participation in the economy, reaching in 2019, deposits and deposits and assets of more than 2,890,191,000. However, they do not invest in predictive technologies to identify customers with a higher probability of purchasing a financial product, making marketing campaigns unproductive. In this work, a model based on machine learning is proposed to identify the clients who are most likely to acquire a financial product for Peruvian savings and credit cooperatives. The model was implemented using IBM SPSS Modeler for predictive analysis and tests were performed on 40,000 records on 10,000 clients, obtaining 91.25% accuracy on data not used in training.<br>Revisión por pares
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Klonner, Stefan. "Essays on rotating savings and credit associations." [S.l. : s.n.], 2001. http://deposit.ddb.de/cgi-bin/dokserv?idn=96379244X.

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Bari, Faisal. "Essays on modeling innovative and flexible credit arrangements : the case of Rotating Savings and Credit Associations (ROSCAs)." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1998. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape10/PQDD_0026/NQ50108.pdf.

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Klonner, Stefan [Verfasser], and Clive [Akademischer Betreuer] Bell. "Essays on rotating savings and credit associations / Stefan Klonner ; Betreuer: Clive Bell." Heidelberg : CrossAsia E-Publishing, 2006. http://d-nb.info/1218726601/34.

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Novotná, Jana. "Financování revitalizace bytového domu s dvanácti bytovými jednotkami v Blansku." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2012. http://www.nusl.cz/ntk/nusl-223449.

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This diploma thesis discusses the possible ways of financing the comprehensive revitalization of the apartment house. This diploma thesis contains calculations of the savings, selection of the implementer and assessment of the debt financing.
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Gryga, Robert. "Financování revitalizace panelového domu." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2010. http://www.nusl.cz/ntk/nusl-222508.

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This master’s thesis „Financing of revitalization of prefabricated building“ deals with the possibilities of financing reconstruction of the block of flats. Based on theoretical knowledge, carried out the analysis and calculations, includes solutions for specific housing association.
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Claude, Djekilamber. "Role of savings and credit cooperative societies in financial services development in Chad : a case of the Union Regionale des Cooperatives d Epargne et de Credit (URCOOPEC)." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/97164.

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Thesis (MDF)--Stellenbosch University, 2012.<br>Union Régionale des Coopèratives d’Epargne et de Crédit (URCOOPEC) is a network of 10 savings and credit cooperatives, established in 1990 by UNDP in Chad to support the government’s strategy of strengthening and improving access to financial services to the population. All the cooperatives are located in and around N’djaména the capital city of Chad. URCOOPEC has developed as a microfinance model owned by the community that is able to help the poor population that is excluded from the formal financial services accessing these services. Despite its potential of reaching people even in remote areas, literature about previous studies in other countries has indicated that sustainability of savings and credit cooperatives is hampered by the issues in corporate governance, management, skills, product development amongst others. This study examines the viability of this model in the context of Chad; particularly it examines the conditions for which this model can better contribute to financial sector development in Chad. The findings reveal that the model was helpful and accepted by many users at its earlier stage. However, weaknesses in corporate governance, credit management and shortage of skills have led this URCOOPEC into difficulties. There is a need for training of technical staff and for the board to develop more products, sensitize the members about their rights and duties. URCOOPEC also needs financial support from government and donors as well as linkage with commercial banks to better contribute to the provision of financial services to the population.
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Bare, Michael Burnett. "Credit union service organization products and services: Implications, decisions, and strategies." CSUSB ScholarWorks, 2005. https://scholarworks.lib.csusb.edu/etd-project/2930.

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Netnou, Ntombomhlaba Salome. "Investigating informal savings as income generating and proverty alleviating tool in Nelson Mandela Bay Municipality." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/1616.

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The study investigated the informal savings approach as an income-generating and poverty alleviation tool for women. The focus of the study is specifically in the Nelson Mandela Bay Municipality. The purpose of the study was to explore the reasons behind the involvement of women, in particular, to the use of informal savings as a tool for income generation and poverty alleviation. South Africa is characterised by inequitable growth and development, a high degree of poverty, increasing demands and limited resources. It is because of this backdrop that many women in poor communities, both rural and urban, devised brilliant plans to overcome this setback. Women, particularly African women, have for a long time been side-lined in economic decision making activities, both in their homes and elsewhere. For the purposes of this study, a mixed method research approach was employed, meaning that the study will follow both the qualitative and quantitative approaches. The respondents are a mixture of both literate and illiterate persons, and because of that, the researcher had to use both English and the home language of the respondents to explain the contents of the questionnaires and obtain the relevant information. The study identified the reasons that stokvels, which were believed to be popular in the past, and still are, because Black people in South Africa did not have access to formal financial institutions, remain popular long after the demise of apartheid. It is in the interest of the citizens of Nelson Mandela Bay Municipality to archive the financial activities of its inhabitants as this valuable information will be needed by future generations. This can be done by creating a website or adding a link to the existing ones where the information is readily available for the users. For future research purposes, stokvels in various parts of the Municipality and South Africa as a whole need to be studied in order to identify and compare to the available literature the general success factors.
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Christensen, Morgan. "What are the relationships among high school academic outcomes and attendance?" Thesis, University of Oregon, 2017. http://hdl.handle.net/1794/22668.

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Research for the past decade has examined academic performance gaps among students from the perspective of sex, race and ethnicity groups, and low socio-economic status. Across those studies school attendance has been identified as a primary correlate with academic success. I used a descriptive non-experimental design to investigate the relationship of student academic outcomes (i.e., GPA, credits earned toward graduation) among student groups (i.e., sex, race, and special education status) on attendance type of unexcused or excused absences. This study included two cohorts of 9th grade high school students (n = 2,262) from the Eugene 4J School District during the 2013 to 2016 school year. I calculated Chi-square tests, Independent t-tests, and Pearson’s correlation coefficient to examine the relationship of attendance with student academic outcomes for GPA and credits earned toward graduation and to further compare attendance type (i.e., unexcused or excused absences) among student groups. Findings indicated statistically significant differences for unexcused and excused absences and for GPA and credits earned by specific demographic subgroups – males v. females, white v. minority, special education v. not special education. There were also statistically significant correlations for GPA and credits earned based on unexcused and excused absences among demographic subgroups. In addition, there were statistically significant differences by academic and attendance variables for students who remained in comparison to students who left Eugene 4J.
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Books on the topic "Association of savings and credits"

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Brink, Rogierus Johannes Eugenius van den. The microeconomics of an indigenous African institution: The rotating savings and credit association. Cornell Food and Nutrition Policy Program, 1991.

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Credit, United States Congress House Committee on Banking and Financial Services Subcommittee on Financial Institutions and Consumer. Merging the deposit insurance funds: Hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, U.S. House of Representatives, One Hundred Sixth Congress, second session, February 16, 2000. U.S. G.P.O., 2000.

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United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit. Financial condition of BIF and SAIF and proposals to merge the banking thrift industries: Hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, House of Representatives, One Hundred Fourth Congress, first session, August 2, 1995. U.S. G.P.O., 1996.

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United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit. Financial condition of BIF and SAIF and proposals to merge the banking thrift industries: Hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, House of Representatives, One Hundred Fourth Congress, first session, August 2, 1995. U.S. G.P.O., 1996.

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B, Sharfuddin Ahmed A., and United States. AID Mission to Bangladesh., eds. Informal savings and credit groups in Bangladesh. USAID], 1988.

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Credit, United States Congress House Committee on Banking and Financial Services Subcommittee on Financial Institutions and Consumer. Legislation relating to the reform of the deposit insurance funds [BIF and SAIF]: Hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, House of Representatives, One Hundred Fourth Congress, first session, September 21, 1995. U.S. G.P.O., 1996.

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Besley, Timothy. The economics of rotating savings and credit associations. Dept. of Economics, Massachusetts Institute of Technology, 1990.

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Gramling, Robert W. Deposit insurance funds: Analysis of insurance premium disparity between banks and thrifts : statement of Robert W. Gramling, Director, Corporate Financial Audits, Accounting and Information Management Division, before the Subcommittee on Financial Institutions and Consumer Credit, Committee on Banking and Financial Services, House of Representatives. The Office, 1995.

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Credit, United States Congress House Committee on Banking and Financial Services Subcommittee on Financial Institutions and Consumer. Condition of deposit insurance funds and the impact of the proposed deposit insurance premium reduction on the bank and thrift industries: Hearings before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, House of Representatives, One Hundred Fourth Congress, first session, March 23, 24, 1995. U.S. G.P.O., 1995.

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Aryeetey, Ellen Bortei-Doku. Operation, utilization and change in rotating susu savings in Ghana. Institute of Statistical, Social and Economic Research (ISSER) University, 1996.

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Book chapters on the topic "Association of savings and credits"

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Sijia, Zhao, and Masahide Horita. "Reciprocity and Rule Preferences of a Rotating Savings and Credit Association (ROSCA) in China: Evolutionary Simulation in Imitation Games." In Lecture Notes in Business Information Processing. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-21711-2_4.

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Vincent, Fernand. "2. Savings and Credit Systems." In Manual of Practical Management for Third World Rural Development Associations - Volume 2. Practical Action Publishing, 1997. http://dx.doi.org/10.3362/9781780445427.002.

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Baland, Jean-Marie. "Rotating Saving and Credit Associations (ROSCAs)." In The New Palgrave Dictionary of Economics. Palgrave Macmillan UK, 2008. http://dx.doi.org/10.1057/978-1-349-95121-5_2259-1.

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Baland, Jean-Marie. "Rotating Saving and Credit Associations (ROSCAs)." In The New Palgrave Dictionary of Economics. Palgrave Macmillan UK, 2018. http://dx.doi.org/10.1057/978-1-349-95189-5_2259.

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Low, Alaine. "Prelims - Bibliographical Survey of Rotating Savings and Credit Associations." In A Bibliographical Survey of Rotating Savings and Credit Associations. Oxfam Publishing, 1995. http://dx.doi.org/10.3362/9780855986643.000.

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Low, Alaine. "1. Bibliographical Survey of Rotating Savings and Credit Associations." In A Bibliographical Survey of Rotating Savings and Credit Associations. Oxfam Publishing, 1995. http://dx.doi.org/10.3362/9780855986643.001.

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Milbradt, Georg. "The Saxon savings banks association." In Contributions to Economics. Physica-Verlag HD, 2000. http://dx.doi.org/10.1007/978-3-642-57674-4_17.

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Biyela, Nokwazi, Pitso Tsibolane, and Jean-Paul Van Belle. "Domestication of ICTs in Community Savings and Credit Associations (Stokvels) in the Western Cape, South Africa." In Locally Relevant ICT Research. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-11235-6_3.

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Wild, Robert, Moses Egaru, Mark Ellis-Jones, et al. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-42091-8_127-1.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This paper reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Wild, Robert, Moses Egaru, Mark Ellis-Jones, et al. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-45106-6_127.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This chapter reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Conference papers on the topic "Association of savings and credits"

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Nik Azman, Nik Hadiyan, and Salina Kassim. "Sustainable Development of Women Micro-Entrepreneurs in Malaysia: Factors Affecting Adoption of Rotating Savings and Credit Association (ROSCA)." In Proceedings of the 1st Aceh Global Conference (AGC 2018). Atlantis Press, 2019. http://dx.doi.org/10.2991/agc-18.2019.60.

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Vargas, Emmanuel Roque, Ricardo Cadillo Montesinos, and David Mauricio. "Prediction of financial product acquisition for Peruvian savings and credit associations." In 2020 Congreso Internacional de Innovación y Tendencias en Ingeniería (CONIITI). IEEE, 2020. http://dx.doi.org/10.1109/coniiti51147.2020.9240413.

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Burken, Joel G., A. Curt Elmore, Mariesa Crow, Will Granich, and Trenton Blair. "Distributed Power Generation at State Facilities: Economic Analysis of Savings and Carbon Credits." In World Environmental and Water Resources Congress 2009. American Society of Civil Engineers, 2009. http://dx.doi.org/10.1061/41036(342)243.

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Van Brunt, Michael, and Brian Bahor. "Potential for Energy-From-Waste Carbon Offsets in North America." In 18th Annual North American Waste-to-Energy Conference. ASMEDC, 2010. http://dx.doi.org/10.1115/nawtec18-3540.

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A carbon offset program is likely to be part of any future federal cap-and-trade program and is included in both the U.S. House of Representatives passed American Clean Energy and Security Act of 2009 and the Kerry-Boxer Senate draft greenhouse gas legislation. Internationally, Energy-from-Waste (EfW) facilities in emerging economies are eligible for carbon offset credits under the Clean Development Mechanism of the Kyoto Protocol. These carbon offset credits can be purchased by developed countries, such as those in Western Europe, to help comply with their obligations under the Kyoto Protocol. Although a similar mandatory market does not yet exist in the United States, there is a growing voluntary market in carbon offsets and a set of standards designed to provide some order to this market. One of the key players in the voluntary market is the Voluntary Carbon Standard (VCS). Project types, such as EfW, that are eligible for credits under the Clean Development Mechanism are also eligible to generate voluntary carbon credits under the VCS. This paper reviews the current methodology for calculating offsets from EfW projects. The current methodology is very conservative, severely restricts the accounting for avoided landfill methane, and significantly underestimates greenhouse gas savings relative to life cycle assessments performed on waste management practices. The current methodology for offsets is compared and contrasted with a more realistic methodology more in line with life cycle assessment calculations. A review of the potential for EfW offsets under evolving state and federal programs and precedents for offsets generated based on avoided landfill methane is also completed.
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"Studies on Thermal Analysis of Cement Rotary Kiln Based on Clinker Coating Materials on Refractories, Energy and Monetary Savings." In Eminent Association of Pioneers. Eminent Association of Pioneers (EAP), 2016. http://dx.doi.org/10.17758/eap.eap816018.

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Ali, Nedhal Ahmed M., Sharifah Fairuz Syed Fadzil, and B. L. Mallya. "Improved Illumination Levels and Energy Savings by Uplamping Technology for Office Buildings." In 2009 International Association of Computer Science and Information Technology - Spring Conference. IEEE, 2009. http://dx.doi.org/10.1109/iacsit-sc.2009.15.

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DiCampli, James. "Combined Heat and Power: Gas Turbine Operational Flexibility." In ASME Turbo Expo 2013: Turbine Technical Conference and Exposition. American Society of Mechanical Engineers, 2013. http://dx.doi.org/10.1115/gt2013-94467.

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Combined heat and power (CHP) is an application that utilizes the exhaust heat generated from a gas turbine and converts it into a useful energy source for heating &amp; cooling, or additional electric generation in combined cycle configurations. Compared to simple-cycle plants with no heat recovery, CHP plants emit fewer greenhouse gasses and other emissions, while generating significantly more useful energy per unit of fuel consumed. Clean plants are easier to permit, build and operate. Because of these advantages, projections show CHP capacity is expected to double and account for 24% of global electricity production by 2030. An aeroderivative power plant has distinct advantages to meet CHP needs. These include high thermal efficiency, low cost, easy installation, proven reliability, compact design for urban areas, simple operation and maintenance, fuel flexibility, and full power generation in a very short time period. There has been extensive discussion and analyses on modifying purge requirements on cycling units for faster dispatch. The National Fire Protection Association (NFPA) has required an air purge of downstream systems prior to startup to preclude potentially flammable or explosive conditions. The auto ignition temperature of natural gas fuel is around 800°F. Experience has shown that if the exhaust duct contains sufficient concentrations of captured gas fuel, and is not purged, it can ignite immediately during light off causing extensive damage to downstream equipment. The NFPA Boiler and Combustion Systems Hazards Code Committee have developed new procedures to safely provide for a fast-start capability. The change in the code was issued in the 2011 Edition of NFPA 85 and titled the Combustion Turbine Purge Credit. For a cycling plant and hot start conditions, implementation of purge credit can reduce normal start-to-load by 15–30 minutes. Part of the time saving is the reduction of the purge time itself, and the rest is faster ramp rates due to a higher initial temperature and pressure in the heat recovery steam generator (HRSG). This paper details the technical analysis and implementation of the NFPA purge credit recommendations on GE Power and Water aeroderivative gas turbines. This includes the hardware changes, triple block and double vent valve system (or drain for liquid fuels), and software changes that include monitoring and alarms managed by the control system.
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Cowie, M., A. Marantan, P. W. Garland, and R. Rademacher. "CHP for Buildings: The Challenge of Delivering Value to the Commercial Sector." In ASME 2002 International Mechanical Engineering Congress and Exposition. ASMEDC, 2002. http://dx.doi.org/10.1115/imece2002-33336.

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The commercial sector has historically not seen the same level of investment in Combined Cooling, Heating and Power (CHP) as the industrial sector. The average commercial building has smaller and more diverse energy requirements than would be expected at a typical industrial site. Consequently, even though the electrical requirements of the commercial and industrial sectors are very similar there is nine times more installed industrial CHP capacity than commercial CHP in the U.S. However, the advent of microturbines and increasing commercial viability of fuel cells promises generator sizes much more suitable for use in the commercial sector. There are many possible uses for the waste heat in a commercial building, depending upon geographic location, occupant requirements and the energy cost structures of both fuel and grid electricity. Possible waste heat technologies include absorption chillers, humidifiers, desiccant dehumidifiers, steam generators, hot water heating, space heating and thermal storage. Several of these could be combined with a generator to produce a commercial CHP for Buildings package. A well-designed and operated package should deliver energy and environmental savings as well as significant cost savings to the customer. Other potential value streams are improved indoor air quality, peak shaving to reduce demand charges, enhanced power reliability, tradable environmental credits or grid independence. This presentation is a broad discussion of the challenges that CHP faces when competing in the commercial sector and the technologies and strategies that will help overcome them.
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Bulgarino, Nicole A. "Savannah River Site Biomass Cogeneration Facility." In ASME 2013 Power Conference. American Society of Mechanical Engineers, 2013. http://dx.doi.org/10.1115/power2013-98160.

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Ameresco &amp; Department of Energy Savannah River partnered together to install three biomass fueled energy plants. The main plant is a 20 megawatt steam power plant and the other two smaller plants are thermal heating plants. All three facilities are located on the Department of Energy Savannah River Site (SRS). These facilities were developed and financed under an Energy Savings Performance Contract (ESPC), which utilizes energy and operational savings to fund the capital investment and operations cost over the performance period. Ameresco was fully responsible for the design, installation, oversight, management, safety, environmental compliance, and continues to be responsible for the operations and maintenance of the Biomass Cogeneration Facility. This is the largest biomass facility installed under ESPC in the federal government. The facilities have the capacity to combust 385,000 tons of forest residue annually. In the first year alone, the energy and operation cost savings at SRS is in excess of $34 million. Clean biomass and bio-derived fuels (such as tire derived fuel and untreated pallets) is the primary fuel source for all of the new boilers. Biomass is used to fuel two steam boilers capable of producing 240,000 lb. /hr. of high-pressure steam and to power a steam turbine capable of generating up to 20 MW of electricity. The smaller thermal plants provide biomass-produced steam for the areas’ heating and industrial processes. These plants satisfy winter steam requirements for both domestic heat and process steam and is fueled solely with biomass wood chips, utilizing fuel oil as backup source of fuel. Key benefits of the SRS biomass project include: • Over 2,000,000 MBtu/yr. of thermal renewable energy production and a minimum of generation of 77,000,000 kWh of green power • Annual Energy Reductions of approximately 500,000 MBtu/yr. • No-cost Renewable Energy Credits retained by the DOE SR • Support of the South Carolina Biomass Council Goals • Decrease of water intake from the Savannah River by 1,400,000 kgal/yr., supporting water conservation efforts in the region • Reduction of 400 tons/yr. of Particulate Matter (PM) emissions • Reduction of 3,500 tons/yr. of Sulfur Dioxide emissions • Reduction of 100,000 tons/yr. of Carbon Dioxide emissions The smaller heating plants include the main boiler systems and live bottom trailer fuel storage. The Biomass Cogeneration Facility includes the biomass boiler systems, the steam turbine generation system, and the facility auxiliary systems as well as the site infrastructure within these boundaries. The Facility has been designed, built, and tested per industrial/commercial codes for cogeneration facilities. The main components of the Facility are listed below: • Fuel Yard – Material Unloading &amp; Storage and Delivery System ○ Biomass Fuel Chip unloading system ○ Fuel Storage Area ○ Transfer conveyors ○ Fuel Screening System ○ Tire Derived Fuel Storage &amp; Unloading Area ○ Whole Log Chipping System &amp; Storage • Water Treatment System – Water treatment system to treat river water for use in boilers as well as cooling tower for condensing turbine • Boiler Systems – (2) Boiler Island from metering bin, water side and flue gas side, pollution control devices and stacks • Chemical Treatment System – Chemical skids, injection skids for cooling tower and boiler treatment • Steam Turbine Generator System &amp; Turbine Cooling System – (1) steam turbine and generator &amp; Cooling Tower with cooling tower pumps • Emergency Generator System – (1) back diesel generator • Plant Control System – Master SCADA system which integrates all systems and balance of plant equipment I/O into one control system
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Verdy, C., C. Coddet, J. B. Martin, J. C. Garcia, and F. Pellerin. "Impact Toughness of Thick Multilayer Thermal Spray Deposits." In ITSC 1998, edited by Christian Coddet. ASM International, 1998. http://dx.doi.org/10.31399/asm.cp.itsc1998p1239.

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Abstract The aim of this study was to investigate potential weight savings using multi-layer blade containment systems for turboengines. The association of an external ductile layer with an internal hard layer could provide a good ductility of the armor with the capability to withstand the perforation of high kinetic projectiles. Comparisons between several thick deposits obtained by the vacuum plasma spray process were performed using a Charpy impact testing machine. Mechanical and structural characterisations of these two-layer structures were performed and compared to the behavior monolithic ones. Heat treatment effects were also considered.
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Reports on the topic "Association of savings and credits"

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Health hazard evaluation report: MHETA-88-249-1931, Community Savings Association, Finleyville, Pennsylvania. U.S. Department of Health and Human Services, Public Health Service, Centers for Disease Control, National Institute for Occupational Safety and Health, 1988. http://dx.doi.org/10.26616/nioshmheta882491931.

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