scholarly journals Initiating Financial Technology (Fintech) as an Innovation of Communication Technology on Credit Cooperatives in Indonesia

2022 ◽  
Vol 5 (1) ◽  
pp. 1
Author(s):  
Sugiyanto Sugiyanto ◽  
Wawan Lulus Setiawan
Keyword(s):  
Financial Institutions ◽  
Communication Technology ◽  
Financial Services ◽  
Urban Areas ◽  
Relative Advantage ◽  
Lower Income ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
Credit Cooperatives ◽  
Limited Basis

The purpose of this study is to describe the possibility to initiate Finansial Technology (Fintech) as an innovation of communication technology on the credit cooperatives in Indonesia. This study is based on the phenomenon of tremendous growth of credit / financial business by using FinTech in Indonesia . Fintech so far has grew uncontrolablely among illegal financial institutions and gave unexpected impact on lower income people in Indonesia. On the other hand, the credit cooperatives as legal financial institutions which could facilitate lower income people for financial services lag behind. This study used quantitative-desciptive method, and resulted in some findings: (1) Cooperatives can become the fintech P2PL Platform model, as an alternative business model by changing conventional savings and loan businesses into the P2PL platform. The model could also be seen as a solution to prevent moral hazard due to miss-used of this technology among illegal credit instituions, (2) Fintech as an innovation is recognized feasible to apply. It has good relative advantage due to giving more efficiency and effectiveness on mana gement, it has good trialability because it may be easily experimented with on a limited basis, and has good observability because the result is visible to others, it has less complexity since it is easy to learn and apply. This study has implications for policies that fintech flatform model could be developed for credit cooperatives in Indonesia both in rural and urban areas..

Gender and National Information and Communication Technology (ICT) Policies in Africa

2010 ◽  
Vol 1 (4) ◽  
pp. 46-58
Author(s):  
Stella E. Igun
Keyword(s):  
Gender Inequality ◽  
Communication Technology ◽  
Urban Areas ◽  
Gender Inequalities ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
Information And Communication ◽  
Gender Aspects ◽  
And Gender ◽  
National Information

This chapter discusses the importance of incorporating gender aspects into the national ICT policies in Africa. The mention of gender issues in national ICT policies in Africa is still very scanty (where they exist). Many countries in Africa have no clear gender aspects incorporated into their national ICT policies. The chapter focuses on the imperativeness of ICTs to the livelihood of women in Africa, the need and urgency of increasing and encouraging women participation in all aspects of ICTs. The enactment and implementation of ICT policies and strategies targeting women population in both rural and urban areas is inevitable. Thus, status of gender inequality of ICT in Africa, strategies geared towards addressing gender inequalities in ICT in Africa and gender and ICT perspectives were discussed.

scholarly journals Customer Satisfaction towards Services of Public and Private Sector Banks

2020 ◽  
pp. 23-27
Keyword(s):  
Financial Services ◽  
Urban Areas ◽  
Banking Sector ◽  
Service Industry ◽  
Service Industries ◽  
Satisfaction Level ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
Different Types ◽  
Public And Private Sector

The satisfaction of the customers is very important factor in all service industries to enhance and improve the profitability and financial performance of the concern. Banking sector is purely financial service industry and the customer’s satisfaction is much more important to run banking business successfully. The satisfaction level of the customers is varying due to different kinds of banking services. There are many factors that are responsible in the discrimination of the services for different types of banking customers and lead to uneven satisfaction level. In India, Private and Public sector banks are providing the financial services to the different types of customers in rural and urban areas.

Impoverishment Due to Out-of-pocket Health Expenditures: Measurement and Comparison Across Different Surveys in India

2019 ◽  
Vol 13 (2) ◽  
pp. 121-134
Author(s):  
Roopali Goyanka ◽  
Charu C. Garg ◽  
Sheela Prasad
Keyword(s):  
Urban Areas ◽  
National Level ◽  
Poverty Line ◽  
National Sample ◽  
Living Standards ◽  
Sample Survey ◽  
Lower Income ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
National Sample Survey Organization

Various estimates of impoverishment on account of out-of-pocket expenditure (OOPE) on health are available for India, covering different time periods, but there is a void in terms of comparable estimates. This article uses national level surveys conducted by National Sample Survey Organization for measurement of living standards (Consumption Expenditure Survey [CES]) for 2004–2005 and 2011–2012 and Health and Morbidity Survey (HMS) for 2004 and 2014 to quantify the trends in impoverishment estimates over time and identify the factors explaining these trends. Using consistent methodology, it is estimated that the increase in the number of persons impoverished due to OOPE using HMS is 19.78 million (from 77.9 million to 97.78 million) between 2004 and 2014, while using CES, the increase is 2.90 million (from 51.48 to 54.38 million) between 2004–2005 and 2011–2012. Expenditure on outpatient care including drugs led to 72 million people being pushed below poverty line in 2014. Most of the increase in impoverishment has come in lower income quintiles both in rural and urban areas. Government needs to focus on reducing OOPE for bottom three income quintiles and more specifically the household expenditure on medicines.

Management of minor ailments in primary schoolchildren in rural and urban areas

1996 ◽  
Vol 22 (3) ◽  
pp. 167-174
Author(s):  
J A Cantrill ◽  
B Johannesson ◽  
M Nicholson ◽  
P R Noyce
Keyword(s):  
Urban Areas ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
Primary Schoolchildren ◽  
Minor Ailments

Classroom Management

2016 ◽  
Vol 1 (1) ◽  
pp. 201
Author(s):  
Elida Kurti
Keyword(s):  
Classroom Management ◽  
General Education ◽  
Urban Areas ◽  
Teaching And Learning ◽  
Educational Institutions ◽  
Important Place ◽  
Rural And Urban Areas ◽  
Rural And Urban ◽  
Intellectual Level

This paper aims to reflect an effort to identify the problems associated with the educational learning process, as well as its function to express some inherent considerations to the most effective forms of the classroom management. Mentioned in this discussion are ways of management for various categories of students, not only from an intellectual level, but also by their behavior. Also, in the elaboration of this theme I was considering that in addition to other development directions of the country, an important place is occupied by the education of the younger generation in our school environments and especially in adopting the methods of teaching and learning management with a view to enable this generation to be competitive in the European labor market. This, of course, can be achieved by giving this generation the best values of behavior, cultural level, professional level and ethics one of an European family which we belong to, not just geographically. On such foundations, we have tried to develop this study, always improving the reality of the prolonged transition in the field of children’s education. Likewise, we have considered the factors that have left their mark on the structure, cultural level and general education level of children, such as high demographic turnover associated with migration from rural and urban areas, in the capacity of our educational institutions to cope with new situations etc. In the conclusions of this study is shown that there is required a substantial reform even in the pro-university educational system to ensure a significant improvement in the behavior of children, relations between them and the sound quality of their preparation. Used literature for this purpose has not been lacking, due to the fact that such problems are usually treated by different scholars. Likewise, we found it appropriate to use the ideas and issues discussed by the foreign literature that deals directly with classroom management problems. All the following treatise is intended to reflect the way of an effective classroom management.

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