Browsing by Author "Kumari, J.A.P."
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Item Impact of Banking Commissions on Sri Lankan Banking System(University of Kelaniya, 2006) Kumari, J.A.P.The transition from traditional feudal economy to a modern export - Import economy during the 1830s necessitated a modern banking sector in Sri Lanka. From the 1830s to 2005 Sri Lankan has experienced many changes in its banking sector and finally the country was able to cater to its economy with a well developed financial system. The objective of this paper is to analyses the role played by various government investigation commissions in bringing these development in the banking sector. From time to time Sri Lanka has appointed commissions to make recommendation about a particular section of the banking system or banking sector as a whole. Activities of three commissions appointed by the government, Pochkanawala Commission (1934), Exter Commission (1948) and the Presidential Commission on Finance and Banking (1992) formed the basis of this study Reports of the commissions, other related documents, historical records and parliamentary legislations were analyzed in order to evaluate the probable impact of the recommendations of these commissions. Findings of the study: 1.Bank of Ceylon and Agricultural and Industrial Credit Corporation were established on the recommendation of the First Banking Commission. 2. Central Bank of Sri Lanka was established based on the recommendations of the Exter Commission. 3. Recommendation of the Presidential Commission on Finance and Banking helped Sri Lanka to restructure Central Bank, other financial institutions, insurance industry, capital market and debt recovery legislations of Sri Lanka. 4. Some of the very important recommendations made by these commissions were not implemented 5. Reports of these commission provide an in depth analysis of the banking system of relevant periods.Item Impact of bilateral and multilateral trade agreements on Sri Lankan economy(University of Kelaniya, 2008) Kumari, J.A.P.Item Impact of economic liberalization on development banking in Sri Lanka(University of Kelaniya, 2008) Kumari, J.A.P.Item Impact of Indo Sri Lanka Free Trade Agreement (ISFTA) on external trade in Sri Lanka(Faculty of Social Sciences, University of Kelaniya, 2009) Kumari, J.A.P.Item The Impact of Insurance Service on Risk Management of Small-scale Business in Rural Areas(4th International Conference on Social Sciences 2018, Research Centre for Social Sciences, Faculty of Social Sciences, University of Kelaniya, Sri Lanka, 2018) Kumari, J.A.P.Insurance service is one of the key services, provided by microfinance institutions to their beneficiaries with micro credit such as property insurance and life insurance. Losses of the business and clients' health problems are reasons for financial losses for the MFI. Major health expenditures is a significant reason of risk for the world's poor that is not well insured. This study aims to provide an insight into the impact of insurance on risk management surrounding the small scale business in rural area. Data was gathered using Likert scale questionnaire with total of 100 small scale business owners who benefited under Samurdhi Micro Finance programs in Kegalle district. Collected data was analyzed by hypothesis test and descriptive analysis. The study reveals that losses of livelihood due to natural disasters and climate changes are affected in collapsing the small scale business sector in the recent past. Few clients use insurance as risk transfer mechanism in their business while majority are facing issues such as lack of wealth and risk management strategy, inadequate insurance protection, non-insurance, non-compliance and lack of awareness and information on this matterItem Impact of multilateral and bilateral trade agreements on the Sri Lankan economy(2010) Kumari, J.A.P.Item Implications of the current global financial crisis from Sri Lanka’s macroeconomics perspective(Research Symposium 2009 - Faculty of Graduate Studies, University of Kelaniya, 2009) Kumari, J.A.P.The Global Financial Crisis which began in early parts of 2007 was mainly due to the loss of investor confidence in the value of securitized mortgages in the United States of America. It is among the greatest challenges to the modern world economy since the end of World War II and has been called the most serious financial crisis since the Great Depression in 1929. This paper intends to analyze the implications of the current Global Financial Crisis and its impact on Sri Lanka’s economy. Information and data were gathered through secondary sources such as published articles in journals, books, Central Bank reports and publications, articles published in the worldwide web and other relevant documents. Quantitative and Qualitative research methods were used. As findings, at present, our economy starts feeling the burning effects of the financial crisis. We have been having a problem of high inflation for a long time and this had already contributed to significant economic issues in Sri Lanka and the Global Crisis will create further implications in our economy. Financial crisis had impacted of Sri Lankan export growth. With high unemployment and low consumption in the U.S.A and Europe, Sri Lanka will lose the demand in major export markets. Sri Lankan companies are already showing signs of the problem and foreign investment have dropped dramatically in Sri Lanka as investors move away from markets that are perceived to be high risk. Foreign remittances have dramatically dropped and there is a loss of foreign exchange. The crisis will create liquidity problems in our markets. As the conclusion the study identifies that the Global crisis had impacted Sri Lanka as a whole.Item Micro Credit Programs on Women Empowerment in Sri Lanka: With Special Reference to Samurdhi Micro Credit Program(Reviewing International Encounters 2018,The Research Center for Social Sciences (RCSS), University of Kelaniya, Sri LankaKumari, J.A.P.2018.Micro Credit Programs on Women Empowerment in Sri Lanka: With Special Reference to Samurdhi Micro Credit Program.Reviewing International Encounters 2018, The Research Center for Social Sciences (RCSS), University of Kelaniya, Sri Lanka. p08, 2018) Kumari, J.A.P.Micro credit is the lending of small amounts of loan at low interest to law income people to start their own business. Micro credit used as a key tool for reducing poverty in developing countries after the experience in Bangladesh Grameen Micro Credit Program. Women empowerment has been identified as a main determinant to alleviating poverty in poor households. The main objective of this study is to investigate the impact of micro credit programs on women empowerment in order to reducing poverty in Sri Lanka. Data gathered through conducting interviews with total of 200 women in Samurdhi Micro Finance programs in Colombo District Secondary data collected from books, articles, relevant websites and other relevant documents. Collected data analyzed by regression analysis and descriptive analysis. The study revealed that micro credit has being effectively used to social and economic empowerment of women beneficiaries through increase family income and household living condition and Samurdhi microcredit program giving strong contribution to enhance small scale business, small saving and investment. The research demonstrated several general issues of microcredit servicers to poor women such as it failed to reach poorest of the poor women, lack of repayment, lack of effectively serve to target groups and misallocation of the resources as the result of political interferenceItem Money Leaundering process and it's impact ton Sri Lankan Economy(University of Kelaniya, 2008) Kumari, J.A.P.Money laundering is the practice of engaging in financial transactions in order to conceal the identity , source, and destination of money, and is a main operation of the underground economy. Money laundering is often described as occurring in three stages- placement, layering, integration. This paper analyses the impact of money laundering on Sri Lankan economy with the objective of considering money laundering process. Research was mainly based on information gathered through secondary data from various sources. As findings money laundering the infiltration and sometimes saturation of dirty money into legitimate financial sectors and national accounts can threaten economic and political stability. It's impact is felt on financial behavior and macro-economic performance in a variety of ways including policy mistakes due to measurement errors in Sri Lanka national account statistics, volatility in exchange and interest rates due to unanticipated cross border transfers of funds the threat of monetary instability due to unsound asset structures, effects on tax collection and public expenditure allocation due to misreporting of income, misallocation of resources due to distortions in asset and commodity prices; and contamination effects on legal transactions due to the perceived possibility of being associated with crime.Item A Study of Modern Trends in Traditional Farming Methods of Paddy Cultivation(Reviewing International Encounters 2015, Research Center for Social Sciences, University of Kelaniya, Sri Lanka, 2015) Kumari, J.A.P.Rice is main food as well as paddy cultivation is the major agriculture cultivation in Sri Lanka. Currently, around 807,763 hectares of land cultivated in Sri Lanka for paddy, 64% is cultivated in Maha season while 35% is cultivated in Yala season. Modern agricultural methods in the paddy sector were supported by the new and improved high yielding rice varieties, machineries, Pesticides and weedicides, Inorganic fertilizer. It was revealed that the modern paddy farming methods are prone to issues. Several problems were associated with modern rice cultivation, these crops were more susceptible to pest and disease attacks. Further, crop suffering from micronutrient deficiencies such as whitening, yellowing and retardation of growth. This research intends to identify and analyze the new trends of traditional farming practices on paddy cultivation. Information gathered through conducting interviews with total of 100 farmers in four paddy cultivation areas in Sri Lanka and utilized by case study and observation. Secondary data collected from books, articles, relevant websites and other relevant documents. Collected data analyzed by descriptive and advance research methods. Traditional farming method such as rituals and spiritual practices, Pirith, Suthra and Gatha.Kem methods, organic fertilizers, traditional rice varieties have identified as the success traditional agricultural practices for pest and diseases control as well as the high yield, increased production, profitability, etc.As well as the research was revealed that modern industrial farmers trend to use traditional farming methods for three reasons. They are, to restrict long term side effects inherited from the modern methods, as an ecofriendly agricultural practice and health and nutrition purposesItem A study of modern trends in traditional farming methods of paddy cultivation(2014) Kumari, J.A.P.