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Financial literacy of rural population as a determinant of saving behaviour in Kazakhstan النص الكامل
2017
Gaisina, S., Hochschule Stralsund (Germany). Business School | Kaidarova, L., Innovative Eurasian Univ., Pavlodar (Kazakhstan). Faculty of Economics
In rural Kazakhstan, the credit and insurance services are limited and the state support is weak. The main goal of this study is to contribute to the literature on financial literacy in emerging economies, namely, the effect of financial literacy on saving rates of rural population. Being well educated not always means to be financial literate and make efficient decisions regarding one’s own finance. People with a lower formal education level but with better experience in consuming financial products could be better prepared for making financial decisions including those related to savings. In this paper other socio-economic determinants of saving rates were taken into account, such as an income level, family size and an employment status. This research was carried out in Pavlodar region of Kazakhstan, and the data collection took place in spring 2014. In total, 405 households were surveyed. Results of the analysis show that if a respondent gives at least one correct answer, it positively affects the saving rates as well as one can observe that the higher the financial literacy level, the higher are the saving rates. Availability of state supported financial education programs for rural people will significantly contribute to the financial literacy improvement.
اظهر المزيد [+] اقل [-]Effects of the treatment method of reproductive performance in cows with retention of fetal membranes النص الكامل
2017
Skuja, S., Latvia Univ. of Agriculture, Jelgava (Latvia). Faculty of Veterinary Medicine | Antane, V., Latvia Univ. of Agriculture, Jelgava (Latvia). Faculty of Veterinary Medicine
Effects of the treatment method of reproductive performance in cows with retention of fetal membranes النص الكامل
2017
Skuja, S., Latvia Univ. of Agriculture, Jelgava (Latvia). Faculty of Veterinary Medicine | Antane, V., Latvia Univ. of Agriculture, Jelgava (Latvia). Faculty of Veterinary Medicine
The aim of the research was to find out an appropriate method of treatment of retention of fetal membranes (RFM) in cows for conditions of Latvia. Three protocols for the treatment of retained fetal membranes in dairy cows were evaluated in a field trial. Cows that retained the fetal membranes for more than 24 hours were assigned to three treatment groups. Group 1 – control group; group 2 – cows with RFM, which were removed manually, and cows were intrauterine treated with antibiotics; group 3 – cows with RFM, which were not removed, and cows were intrauterine treated with antibiotics, and group 4 – cows with RFM, which were not removed, and cows were not treated. In animals with a decreased feed consumption or milk production, body temperature above 39.5 °C, systemic therapy was applied with ceftiofur hydrochloride or procaine benzilpenicillin. In order to establish subclinical endometritis, all cows were histologically examined on the 42nd day postpartum (PP). Subclinical mastitis was diagnosed both in cows with RFM and control group cows. Results indicated that better reproductive results were in cows of group 2 and group 4. Actually, results indicated that treatment of RFM without intrauterine manipulation and parenteral treatment could be as effective as conventional treatment including RFM detachment and local antibiotic treatment.
اظهر المزيد [+] اقل [-]Effects of the Treatment Method of Reproductive Performance in Cows with Retention of Fetal Membranes النص الكامل
2017
Skuja, Santa | Antāne, Vita
The aim of the research was to find out an appropriate method of treatment of retention of fetal membranes (RFM) in cows for conditions of Latvia. Three protocols for the treatment of retained fetal membranes in dairy cows were evaluated in a field trial. Cows that retained the fetal membranes for more than 24 hours were assigned to three treatment groups. Group 1 – control group; group 2 – cows with RFM, which were removed manually, and cows were intrauterine treated with antibiotics; group 3 – cows with RFM, which were not removed, and cows were intrauterine treated with antibiotics, and group 4 – cows with RFM, which were not removed, and cows were not treated. In animals with a decreased feed consumption or milk production, body temperature above 39.5 °C, systemic therapy was applied with ceftiofur hydrochloride or procaine benzilpenicillin. In order to establish subclinical endometritis, all cows were histologically examined on the 42ⁿᵈ day postpartum (PP). Subclinical mastitis was diagnosed both in cows with RFM and control group cows. Results indicated that better reproductive results were in cows of group 2 and group 4. Actually, results indicated that treatment of RFM without intrauterine manipulation and parenteral treatment could be as effective as conventional treatment including RFM detachment and local antibiotic treatment.
اظهر المزيد [+] اقل [-]Do social networks have effects on the risk attitude of commercial poultry farmers? Evidence from Southwest Nigeria النص الكامل
2017
Obayelu, O.A., University of Ibadan (Nigeria) | Olowe, O.O., University of Ibadan (Nigeria) | Faleye, T.G., University of Ibadan (Nigeria)
Poultry production decision setting is full of risk and imperfect information. Attitude towards risk is a measure of farmers’ willingness to take risks which is an important determinant in their production decisions. Strong social capital emanating from social networks can lead to efficient risk management strategies, thereby minimizing risks faced by the farmers. Therefore, the effects of social capital on the risk attitude of small-scale commercial poultry farmers in Oyo state were assessed. Data were collected from two hundred small-scale farmers and analysed using descriptive and inferential statistics, factorial analysis, multinomial logit and a two-stage least square. Results showed that 52.5%, 37.5% and 10% of the poultry farmers were risk averse, risk neutral and risk preferring, respectively. About 31.4% and 68.6% of the female and male farmers respectively were risk averse. Close to a fifth, a quarter and two-thirds of the risk averse, risk neutral and risk takers respectively contributed 21-30% of the decisions in the associations. Fourteen percent of the farmers belonged to homogeneous groups. The choice of being risk averse was affected by marital status, educational level, family size, percentage spent on poultry income and aggregate social capital. There was no reverse causality between risk attitude and social capital.
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