This study investigates the impact of socio-economic characteristics of the farmers and its impact on their loans resettlement behavior in the People's Bank, Puttalam branch in Sri Lanka. Secondary data were collected from the bank officials and the data were analyzed with 100 applicants who are cultivating paddy as a major crop and other field crops during the Maha and Yala season 2011/2012. This study was analyzed using descriptive statistics, Tobit model and in addition to that elasticity of the loan repayment ratio also measured. The estimated Tobit regression model indicated that family members and secondary education were significantly positive influence on the farmers' repayment behavior while loan disbursement has negative influence on their behavior in Sri Lanka. Other independent variables namely gender, age, civil status, major crops, income and higher level of education of the beneficiaries were not statistically significant influence on the farmers' behavior in the above bank branch in Sri Lanka. The elasticity of the loan repayment performance for the variables also were calculated at the mean values and according to that number of family members, size of loans and secondary education were statistically significant. The overall results revealed that, the bank managers should considered the above characters of the borrowers to increase the probability of repayment ratio and thus it will help them to improve the efficiency of lending decision of the bank loans in future.
This study focused to identify the impact of demographic and economic attributes of the consumers that influence on fast food consumption and consumers' buying behaviour in Moratuwa municipal council area which is located in Sri Lanka. Data were collected through a consumer survey with a structured questionnaire conducted in the study area and 100 samples from 50 restaurants were selected randomly. An ordered probit model was carried out to find out the relationships between a selected demographic and economic attributes of consumers such as age, education, gender, civil status, number of family members, distance to the nearest fast food outlet, conscious of health and disease concern on fast food consumption, consumers' perception on convenience of fast food, entertainment, income, employment status, and price opinion about fast food that affect on buying behaviour of the consumers in the fast food restaurants in Sri Lanka. In addition to that, other econometrics techniques such as, descriptive statistics, chi-square test and marginal effects also applied in the data. Frequency of fast food consumption considered as dependent variable which is as an ordinal outcome variable and all other explanatory variables namely demographic and economic attributes of consumers were used as categorical and binary variables in the study. Results from the ordered probit model reveals that, age of the respondent, education level, employment and civil status, distance to the nearest fast food outlet from their home have statistically significant and they are the key determinants in the consumption of fast food. The findings of this study will help for fast food managers to design their marketing strategies which are most suitable to fit with the consumers' attitudes and expectations and their buying behaviour of fast food restaurants in Sri Lanka.
This study estimates the decompositions of farm-level total factor productivity indices and identifies the impact of household characters, farming characteristics, and economic characters on the indices of paddy farming in Mullaitivu district, Sri Lanka. Six villages where the paddy is mostly cultivated in the district were selected as the study area and from each village, 20 farmers were selected randomly. The relevant data related to paddy yield, its inputs, demographic and farming characteristics were gathered through the questionnaire in 2020. The Färe-Primont index and its various productivity components were used to analyze the data in the study. The frequency of efficiency components revealed that nearly 38% of the farmers attained less than 50% in total factor productive efficiency, while only 11% of them attained between 50% -70% in the sample. Overall, the mean of total factor productivity was found to be 0.629 while the mean of total factor productive efficiency was 0.458showed that 62% and 45% of productivity and efficiency exist among the paddy farmers, respectively. The mean value of output-oriented efficiency was found to be 0.861, revealing that, 86% of total factor productivity can be increased by increasing the technical efficiency of paddy yield in the study. Determinants of total factor productivity and its sources were analyzed using the Tobit model and its results revealed that, total factor productivity, total factor productive efficiency, and input-oriented scale mix efficiency mainly determined by the quality of land, farm income, amount of saving, amount of loan and land ownership. Further, availability of training and farm income were the major drivers of output scale efficiency of paddy farms in the study.
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