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Financial inclusion towards economic inclusion: empirical evidence from China’s rural households : A thesis submitted in partial fulfilment of the requirements for the Degree of Master of Commerce and Management at Lincoln University
No full textFinancial inclusion, defined as the access to and use of formal financial services, has gained growing interest among regulators, governments and researchers. A wide range of literature revealed that financial inclusion is imperative for financial stability and economic growth. The concepts and measurements of financial inclusion vary among past studies and the level of financial inclusion is different across regions and economies. Only a few studies have focused on the level of financial inclusion in rural China where financial deprivation is most prevalent. Research on its associated determinants and pathways from inclusive finance to household welfare at the micro-level is scarce and lacks empirical support.
This study uses the probit model and ordinary least squares method with the China Household Finance Survey (CHFS) data carried out across 29 provinces in China to construct a comprehensive financial inclusion index to examine the extent of financial inclusion in rural China. We investigate the factors underpinning financial inclusion at the household level. The results demonstrate that the use of formal financial services is minimal among rural households and there is substantial inconsistency across regions. The eastern provinces exhibit the highest level of financial inclusion and the central region displayed the lowest level. Rural household characteristics such as family size, household head’s education level, income level, employment status and financial literacy are significant determinants of financial inclusion whereas factors like household head’s age, gender and communist party membership are insignificant.
The OLS results reveal that being financially included has a significant positive impact on household welfare measured by household annual consumption expenditure. For each financial service usage indicator, the use of a savings account, mobile payment account, credit card and commercial insurance raise household consumption expenditure by 7.8, 34.5, 29.2, and 22.4 percent, respectively. These provide an insight into the trajectory of economic inclusion that can emerge from an inclusive financial system at the household level
Characterising the regulatory seascape in Aotearoa New Zealand: Implications for policy and practice
Get PDFThis is a summary of an article published in June 2022 in Ocean & Coastal Management by Urlich, White and Rennie as an output of the Sustainable Seas National Science Challenge project Policy and legislation for EBM (4.2) The summary focuses on the key points for policy makers and planners
A diverse diet as an alternative to ryegrass can improve the total antioxidant status of dams at lambing
Get PDFThe objective of this experiment was to determine if providing ewes in the final trimester of pregnancy with choice from diverse diet components would reduce markers of oxidative and metabolic stress in ewes and improve lamb birth weights relative to ewes offered only one forage species, repetitively. Fifty-four, twin bearing Coopworth ewes [initial live weight (LW) = 69.82 ± 1.16 kg] were blocked by weight onto iso-energetic diets with either choice from taxonomically diverse plants [DIV; spatially separated strips of ryegrass (Lolium perenne L.), chicory (Cichorium intybus L.), plantain (Plantago lanceolata L.), red clover (Trifolium pratense L.), and alfalfa (Medicago sativa L.)] or a ryegrass only diet (RYE) for the final third of gestation. The ewes offered the DIV diet birthed 8.9% heavier lambs (5.64 ± 0.20 kg) than RYE ewes (5.18 ± 0.20 kg; P = 0.03). In addition, the DIV ewes had greater (P < 0.01) glutathione peroxidase and total antioxidant status, and lower (P = 0.01) plasma non-esterified fatty acid concentrations than the RYE fed ewes 24 h after lambing. The results indicate that the DIV diet can improve antioxidant status and reduce some markers of oxidative and metabolic stress at lambing compared to a conventional RYE diet
Combined effects of Bacillus sp. M6 strain and Sedum alfredii on rhizosphere community and bioremediation of cadmium polluted soils
Get PDFConcerns regarding inevitable soil translocation and bioaccumulation of cadmium (Cd) in plants have been escalating in concomitance with the posed phytotoxicity and threat to human health. Exhibiting a Cd tolerance, Bacillus sp. M6 strain has been reported as a soil amendment owing to its capability of reducing metal bioavailability in soils. The present study investigated the rhizospheric bacterial community of the Cd hyperaccumulator Sedum alfredii using 16S rRNA gene sequencing. Additionally, the Cd removal efficiency of strain Bacillus sp. M6 was enhanced by supplementing with biochar (C), glutamic acid (G), and rhamnolipid (R) to promote the phytoremediation effect of hyperaccumulator S. alfredii. To the best of our knowledge, this is the first time the amendments such as C, G, and R together with the plant-microbe system S. alfredii-Bacillus sp. M6 has been used for Cd bioremediation. The results showed that soil CaCl₂ and DTPA (Diethylenetriamine penta-acetic acid) extractable Cd increased by 52.77 and 95.08%, respectively, in all M6 treatments compared to unamended control (CK). Sedum alfredii with Bacillus sp. M6 supplemented with biochar and rhamnolipid displayed a higher phytoremediation effect, and the removal capability of soil Cd (II) reached up to 16.47%. Moreover, remediation of Cd polluted soil by Bacillus sp. M6 also had an impact on the soil microbiome, including ammonia-oxidizing bacteria (AOB), ammonia-oxidizing archaea (AOA), and cadmium transporting ATPase (cadA) genes. Quantitative PCR analysis confirmed the Bacillus sp. M6 strain increased the abundance of AOB and cadA in both low Cd (LC) and high Cd (HC) soils compared to AOA gene abundance. Besides, the abundance of Proteobacteria and Actinobacteria was found to be highest in both soils representing high tolerance capacity against Cd. While Firmicutes ranked third, indicating that the additionof strain could not make it the most dominant species. The results suggested the presence of the hyperaccumulator S. alfredii and Cd tolerant strain Bacillus sp. M6 supplemented with biochar, and rhamnolipid, play a unique and essential role in the remediation process and reducing the bioavailability of Cd
Genome sequence of the entomopathogenic Serratia entomophila isolate 626 and characterisation of the species specific itaconate degradation pathway
Get PDFBackground: Isolates of Serratia entomophila and S. proteamaculans (Yersiniaceae) cause disease specifc to the endemic New Zealand pasture pest, Costelytra giveni (Coleoptera: Scarabaeidae). Previous genomic profling has shown that S. entomophila isolates appear to have conserved genomes and, where present, conserved plasmids. In the absence of C. giveni larvae, S. entomophila prevalence reduces in the soil over time, suggesting that S. entomophila has formed a host-specifc relationship with C. giveni. To help define potential genetic mechanisms driving retention of the chronic disease of S. entomophila, the genome of the isolate 626 was sequenced, enabling the identifcation of unique chromosomal properties, and defining the gain/loss of accessory virulence factors relevant to pathogenicity to C. giveni larvae.
Results: We report the complete sequence of S. entomophila isolate 626, a causal agent of amber disease in C. giveni larvae. The genome of S. entomophila 626 is 5,046,461 bp, with 59.1% G+C content and encoding 4,695 predicted CDS. Comparative analysis with five previously sequenced Serratia species, S. proteamaculans 336X, S. marcescens Db11, S. nematodiphila DH-S01, S. grimesii BXF1, and S. ficaria NBRC 102596, revealed a core of 1,165 genes shared. Further comparisons between S. entomophila 626 and S. proteamaculans 336X revealed fewer predicted phage-like regions and genomic islands in 626, suggesting less horizontally acquired genetic material.
Genomic analyses revealed the presence of a four-gene itaconate operon, sharing a similar gene order as the Yersinia pestis ripABC complex. Assessment of a constructed 626::RipC mutant revealed that the operon confer a possible metabolic advantage to S. entomophila in the initial stages of C. giveni infection.
Conclusions: Evidence is presented where, relative to S. proteamaculans 336X, S. entomophila 626 encodes fewer genomic islands and phages, alluding to limited horizontal gene transfer in S. entomophila.
Bioassay assessments of a S. entomophila-mutant with a targeted mutation of the itaconate degradation region unique to this species, found the mutant to have a reduced capacity to replicate post challenge of the C. giveni larval host, implicating the itaconate operon in establishment within the host
Global expansion of Vibrio parahaemolyticus threatens the seafood industry: Perspective on controlling its biofilm formation
Get PDFAs global warming increases the geographical range and frequency of Vibrio parahaemolyticus infections, its formation of biofilms providing bacteria greater resistance to stress and contributing to the persistence of pathogens, is threatening the seafood industry. V. parahaemolyticus has a number of advantages leading to biofilm formation. This study reviews recent advances in understanding V. parahaemolyticus biofilm formation on biotic and abiotic surfaces, discusses research gaps in the mechanism of biofilm formation and examines promising biofilm control strategies to overcome current limitations of chemical disinfectant. This information will deepen our understanding of V. parahaemolyticus biofilm formation, as well as help design and optimize V. parahaemolyticus biofilm control strategies for the seafood industry
Soil nitrogen treatment alters microbiome networks across farm niches
Get PDFAgriculture is fundamental for food production, and microbiomes support agriculture through multiple essential ecosystem services. Despite the importance of individual (i.e., niche specific) agricultural microbiomes, microbiome interactions across niches are not well-understood. To observe the linkages between nearby agricultural microbiomes, multiple approaches (16S, 18S, and ITS) were used to inspect a broad coverage of niche microbiomes. Here we examined agricultural microbiome responses to 3 different nitrogen treatments (0, 150, and 300 kg/ha/yr) in soil and tracked linked responses in other neighbouring farm niches (rumen, faecal, white clover leaf, white clover root, rye grass leaf, and rye grass root). Nitrogen treatment had little impact on microbiome structure or composition across niches, but drastically reduced the microbiome network connectivity in soil. Networks of 16S microbiomes were the most sensitive to nitrogen treatment across amplicons, where ITS microbiome networks were the least responsive. Nitrogen enrichment in soil altered soil and the neighbouring microbiome networks, supporting our hypotheses that nitrogen treatment in soil altered microbiomes in soil and in nearby niches. This suggested that agricultural microbiomes across farm niches are ecologically interactive. Therefore, knock-on effects on neighbouring niches should be considered when management is applied to a single agricultural niche
Legume nutrition is improved by neighbouring grasses
Get PDFBackground: Combinations of grasses and nitrogen-fixing legumes are ubiquitous in most natural and derived pastoral grasslands. This was not formerly the case in New Zealand’s unique indigenous grasslands that are now frequently impacted by exotic pasture grasses and legumes. Understanding the co-existence of native and exotic plants is the broad focus of this research.
Aims: Spillover of nitrogen (N) from clovers to grasses in diverse pasture is well known. We question whether grasses provide reciprocal nutritional benefits to legumes. Does the mutual exploitation of soil biogeochemistry by legumes and grasses help to explain their coexistence and, if so, does this have implications for biodiversity in NZ’s novel native grassland communities?
Methods: Combinations of grasses and legumes, including a native tussock grass, were grown in a nutrient-poor (low P, S, Ca, Mg, Mn, and B) high country soil in a pot experiment, quantifying the foliar acquisition of nutrients from soil. Field data were obtained by sampling foliage of clover in single- and mixed-species patches in a more fertile lowland pasture.
Results: Benefits of legume and grass growing together were reflected in enhanced productivity and higher uptake of a range of key nutrients. This was most evident but not restricted to a combination of two exotic species: cocksfoot and white clover. In the nutrient-poor soil, legumes grew better in combination with different species of introduced grasses. Uptake of key elements from soil to plants significantly differed with combinations of legumes and grasses compared to individual species. Elevated concentrations of P, K and S were recorded in clover when growing with grasses, although Ca uptake was lower. Expected reciprocal reduction of clover N or enhanced grass N were not recorded. Mass balance data (total extraction of key nutrients from the soil pool) showed that combination of grasses and legumes exploit soil nutrients (particularly P, Zn, Mn and Mo) more effectively than single species alone. In grasses, only tissue concentrations of K, S and Zn significantly increased when growing with legumes, but native tussock grass procured less nutrients when growing with the exotic legumes. Field sampling of clover from the more fertile lowland soil showed significantly higher foliar concentrations of K, Mn, Cu and B, but less Ca.
Conclusions: The findings are indicative of a mutualistic relationship: legumes derive nutritional benefits from growing with grasses. Native tussock grass contained less N when growing with the exotic legumes, suggesting less compatibility and a lack of adaptation to coexistence
Towards implementation of robust monitoring technologies alongside freshwater improvement policy in Aotearoa New Zealand
Get PDFInternational studies point out that some freshwater policy objectives are not achieved. This study describes that this is in part caused by shortcomings that include: the lack of targeted monitoring schemes to measure impact; a too small range of specific technologies rather than a wider suite of integrated multiple technologies; a too tight focus on sub-sets of stakeholders instead of the involvement of the wider range of end users; and poor trust building and technology explanations to end users. As an example, the New Zealand government is addressing widespread concern over the deterioration of the national freshwater resource by supporting a diverse portfolio of land and riparian management actions. Efforts to assess the effectiveness of these interventions and establish an evidence-based framework for future policies are however limited by the existing regional-scale freshwater monitoring infrastructure. Such hydrometric networks were established largely to assess the broader-scale regional ‘state’ of the environment and are generally out-of-phase with freshwater improvement actions that are implemented more typically at edge-of-field, farm or sub-catchment scales. Recent and rapid evolution in sensor technologies have created new opportunities to deliver information tuned to the appropriate parameters and frequencies needed to evaluate improvement actions. Despite this, the necessary transformative change in freshwater monitoring has yet to gather pace. In this study we explore barriers and solutions with the objective to better understand what is needed for successful integration of innovative monitoring technologies in a transitional environmental policy setting, using recent New Zealand policy directives as a case study. We use expert surveys and scenario testing to explore barriers to adoption to more robust and comprehensive monitoring required to establish the success, or otherwise, of freshwater improvement actions. This process reveals that rather than further innovations in technology, change in the practice of environmental monitoring is limited instead by the development of defensible and accepted guidelines on the application and effective deployment of existing sensors and methods. We demonstrate that improved knowledge exchange between engineers, scientists and practitioners can be addressed and propose a new decision support and communication tool to enable the selection of monitoring technologies and solutions fit-for-purpose to evaluate freshwater improvement outcomes on multiple scales involving multiple stakeholders
Loline alkaloid effects on gastrointestinal nematodes
Get PDFLoline, an alkaloid with several derivatives, has suggested antimicrobial and anthelmintic properties. Therefore, loline was investigated as a natural anthelmintic against Trichostrongylus colubriformis, Teladorsagia circumcincta, and Haemonchus contortus. Preliminary in vitro studies had reduced L3 T. circumcincta establishment but no effect on L3 T. colubriformis larvae migration or H. contortus establishment. While loline-treated lambs had lower establishment of L4 and adult T. circumcincta and L4 T. colubriformis, L4 and adult H. contortus appeared unaffected. Following preliminary study, an in vivo experiment examined lambs infected with a mix of L4 T. circumcincta, T. colubriformis, and adult H. contortus. These lambs were treated with either a loline seed extract (LOL, n = 7), nothing (CON, n = 7), or a non-loline seed extract (NIL, n = 2). There were no differences in worm burdens, fecal egg counts, weight gain, or feed intake between treatments. However, an average growth efficiency (kg LWG/kg DM intake) was detected (p = 0.01) in CON (0.18) which was less than LOL (0.24) or NIL (0.23). There was limited evidence to support an in vivo anti-parasitic effect of loline despite in vitro studies indicating potential benefits. Discrepancies between in vivo and in vitro studies results were potentially a result of loline contact time with larvae, mode of ingestion or the forms of loline present