scholarly journals The Banking Sector Role in the Rural Territories Social Development

2021 ◽  
Vol 110 ◽  
pp. 01005
Author(s):  
Kirill Zhichkin ◽  
Vladimir Nosov ◽  
Lyudmila Zhichkina
Keyword(s):  
Rural Areas ◽  
Rural Population ◽  
Banking Sector ◽  
Financial Resources ◽  
Rural Settlements ◽  
Banking Services ◽  
Large Cities ◽  
Low Degree ◽  
Time Work ◽  
Part Time

The article examines the features of banking services for the rural population on the example of the Samara region. The banking sector accumulates significant financial resources of the population, which can be directed to the service area development. In modern conditions, the collected funds are transferred to large cities, making rural areas even more depressed. The study purpose is to determine the features of banking services for the population in rural areas. Within the framework of this, the following tasks are being solved: - the banking services state is analysed on the example of the Kinelsky district of the Samara region; - problems specific to rural areas are identified; - measures are proposed to solve the problems of banking services in rural areas. On the example of the Kinelsky district, it can be seen that large financial resources (more than 500 million rubles) are being withdrawn from the district with the contributions of the rural population. At the same time in rural settlements, banking services are in an inadequate state: Sberbank branches are closed or switched to part-time work. There is a low degree of provision with banking terminals, and the standards for servicing the population are not observed. As a result, the state should more actively regulate the current situation, using economic mechanisms to solve the existing social problem.

INFLUENCE OF IMMOVABLE CULTURAL HERITAGE ON SUSTAINABLE DEVELOPMENT OF RURAL SETTLEMENTS

2007 ◽  
Vol 31 (4) ◽  
pp. 213-224
Author(s):  
Indrė Gražulevičiūtė-Vileniškė ◽  
Vilma Karvelytė-Balbierienė
Keyword(s):  
Sustainable Development ◽  
Cultural Heritage ◽  
Rural Areas ◽  
Social Economic ◽  
Economic Viability ◽  
Rural Settlements ◽  
Settlement System ◽  
Large Cities ◽  
The Social

Rural areas cover the largest part of the territory of Lithuania as well as that of the whole Europe. Rural settlements are also the most abundant category in the settlement system of the country. Therefore, their social, economic, and cultural viability- as well as ecologic sustainability playan important role striving towards the goals of sustainable development. During the last years projects promoting various aspects of sustainability are implemented not only in large cities and towns, but also in smaller municipalities, nevertheless many rural settlements still are not influenced by these trends. The tendency of decrease of the population of the country, emigration, migration of young and qualified persons to larger cities and towns, poverty and unemployment cause the threat to the most fragile elements of the rural settlement system, such as steadings, manor residencies and ethnographic village settlements. In order to stop these processes it is necessary to search for means to sustain the social and economic viability of rural settlements. During the last decade significant role of cultural heritage in implementing strategies of sustainable development was universally recognized. It is acknowledged that sustainable preservation, maintenance, and use of cultural heritage, especially immovable, positively influence the social, economic, cultural and even environmental dimensions of sustainable development. Sustainable development opportunities provided by immovable cultural heritage are essential for small rural settlements which are not distinguished by important natural resources or favorable location. In this instance social and cultural viability is as much essential for preservation of immovable cultural heritage of these settlements, as immovable cultural heritage is essential for sustention of their social and economic viability. Nekilnojamojo kultūros paveldo įtaka darniam kaimo gyvenamųjų vietovių vystymuisi Santrauka Didžiąją Lietuvos, kaip ir visos Europos, teritorijos dalį sudaro kaimo vietovės, o didžiąją dalį gyvenamųjų vietovių – kaimo gyvenamosios vietovės, taigi jų socialinis, eko nominis ir kultūrinis gyvybingumas bei eko loginis tvarumas atlieka lemiamą vaidmenį siekiant šalies darnaus vystymosi tikslų. Pastaraisiais metais darnų vystymąsi skatinantys projektai jau įgyvendinami ne tik didžiuosiuose Lietuvos miestuose, bet ir mažesnėse savivaldybėse, tačiau daugelio kaimo gyvenamųjų vietovių šis procesas kol kas nepaliečia. Bendro šalies gyventojų skaičiaus mažėjimo tendencija, emigracija, jaunų ir kvalifikuo tų žmonių migracija į didžiuosius šalies miestus, skurdas ir nedarbo grėsmė kelia sunykimo grėsmę patiems jautriausiems ir kultūriniu požiūriu vertingiausiems šalies kaimo gyvenamųjų vietovių sistemos elementams, tokiems kaip vienkieminės sodybos, buvusių dvarų ir palivarkų sodybos ar etnografinės kaimų gyvenvietės. Siekiant sustabdyti šiuos neigiamus socialinius, eko nominius bei kultūriniu procesus, būtina ieškoti būdų, kaip užtikrinti kaimo gyvenamųjų vietovių socialinį bei eko nominį gyvybingumą. Pastaraisiais metais pasaulyje vis aiškiau suvokiamas kultūros paveldo vaidmuo darnaus vystymosi kontekste. Visuotinai pripažįstama, jog kultūros paveldo, ypač nekilnojamojo, apsauga, priežiūra bei naudojimas turi teigiamos įtakos darniam vystymuisi socialinėje, eko nominėje, kultūrinėje ir kt. dimensijose. Nekilnojamojo kultūros paveldo teikiamos darnaus vystymosi galimybės itin reikšmingos nedidelėms, išskirtinių gamtinių išteklių neturinčioms bei patogia geografine padėtimi nepasižyminčioms kaimo gyvenamosioms vietovėms. Jų socialinis ir eko nominis gyvybingumas kultūros paveldui išsaugoti yra toks pats svarbus, kaip ir kultūros paveldas socialinio ir eko nominio šių gyvenamųjų vietovių gyvybingumo palaikymu.

scholarly journals A STUDY ON PERSONALIZED BANKING SERVICES - A STEP TOWARDS RURAL DEVELOPMENT

2020 ◽  
pp. 1-3
Author(s):  
S. S. Mallikarjuna Prasanna
Keyword(s):  
Rural Development ◽  
Rural Areas ◽  
Urban Areas ◽  
Banking Sector ◽  
Rural Residents ◽  
Banking Services ◽  
Bank Branches ◽  
Personalized Services ◽  
The Government ◽  
Rural Dwellers

Ever since the country gained independence, the Government of India has taken a plethora of measures for the development of rural areas along with the urban areas. This is perceptible from the first Five-year plan to the latest schemes announced by the Government, which distinguishably emphasize on rural development and enhancing farmers’ income & welfare. To achieve these aims, RBI gives directives to banks for development of rural areas and for opening of bank branches in these areas. Personalized services targeted for the rural residents will make them active participants in the banking sector and they will contribute towards the growth of the economy. The objective of this research paper is to understand the preference of personalized services by bank customers residing in different areas of the Mysore and Tumkur. More than half of the population in Karnataka is residing in rural areas. The results of the study reveal that the urban bank customers have more preference for personalized services as compared to their rural counterparts and there is need to motivate the rural dwellers for utilizing more personalized banking services for their own development and for the development of the economy.

scholarly journals Model for assessing the effectiveness of rural authorities for a given financial security of the rural budget

2021 ◽  
Vol 101 ◽  
pp. 02028
Author(s):  
Tatyana S. Lukina ◽  
Oleg Yu. Patlasov
Keyword(s):  
Russian Federation ◽  
Rural Areas ◽  
Rural Population ◽  
Local Development ◽  
Financial Security ◽  
Rural Settlements ◽  
The Russian Federation ◽  
Rural Municipalities

The consolidation of municipalities of rural settlements in the Russian Federation has been revealed due to low financial security. The budgetary expenditures in rural municipalities have been analyzed; the dependence of the budgetary expenditures insufficiency for the solution of issues of local importance and stabilization of the rural population has been revealed. A model for assessing the effectiveness of the administrating authorities of rural settlements for possible adjustments of managerial influence in overcoming crisis phenomena in rural areas and involving the population in solving issues of local importance and local development has been proposed.

scholarly journals RURAL TERRITORIES OF KAZAKHSTAN: REALITIES, PROBLEMS AND SOLUTIONS

2020 ◽  
Vol 3 ◽  
pp. 209-215
Author(s):  
Bakhyt Kalykova ◽  
Keyword(s):  
Rural Areas ◽  
Rural Population ◽  
Local Governments ◽  
Integrated Approach ◽  
Well Being ◽  
Main Task ◽  
Rural Settlements ◽  
Social Infrastructure ◽  
Objective Basis ◽  
Effective Development

The study deals with the formation of a model of sustainable and effective development of agriculture and rural areas as the main task of implementing the State agricultural policy. The relevance of the tasks set by the author lies in considering the living conditions in the countryside as an integrated approach to the country's economy in order to diversify the types of activities in rural areas, create new sources of income. The directions representing a new economic paradigm of rural development in Kazakhstan are justified. The ways of implementing a comprehensive policy are shown, which consists in the partnership of public structures, local governments, public organizations and private sector, so that in the future, rural areas will become the most important socioeconomic and ecological subsystem of society. One of the key issues in the development of a model of modernization of the Kazakh countryside - the methodology for assessing the strategy and taken measures are highlighted. It is noted that monitoring of a wide variety of regional situations in rural settlements is of great scientific importance in creating a reliable and objective basis for developing substantiated measures to improve the quality of life of the rural population and determining priorities. The author states that the implementation of the "Auyl - El besigi" program contributes to the development of support and satellite villages, which have the potential to increase the level of life and well-being of rural residents, modernize the social infrastructure of the SNP JSC "Fund for Financial Support of Agriculture" allocated significant amounts to ensure employment of the rural population. The program condition in the funded projects should be startups, proposals for non-agricultural areas of expansion of activities in rural areas.

scholarly journals “New” rural settlements – former urban-type settlements

2019 ◽  
pp. 18-34
Author(s):  
A. S. Chuchkalov ◽  
A. I. Alekseev
Keyword(s):  
Rural Areas ◽  
Rural Population ◽  
Urban Population ◽  
Census Data ◽  
Rapid Decline ◽  
Rural Settlements ◽  
Far North ◽  
The North ◽  
Type Settlement ◽  
Average Population Size

Since the 1920s, when the notion of urban-type settlement (UTS) was introduced in Russia, and until the 1980s the number of UTSs was constantly increasing. But since the 1990s, their rapid decline began, and by 2019 more than a third of them were transformed into rural settlements. In this article, the authors try to find out what the new villages the former UTSs are; where they are located; what their functions (largely lost) are, and what the specific features of their population are. From 1989 to 2010, the processes of transformation of UTSs into rural settlements administratively increased rural population of Russia by 2.4 mln people and held back the growth of the urban population share, which increased only slightly from 73.4 to 73.7%. When comparing the census data of 1989 and 2010 in many regions, the administrative ruralization radically changed the dynamics of the population: instead of a real decrease in the number of rural residents, Census-2010 showed the increase of rural population. Former UTSs are losing population more rapidly than the rural areas of their municipal districts, and the most intensive outflow is in logging settlements, centers of construction and colonies-settlements. The average population size of the former UTSs is minimal in the North of European Russia and the Far North, and maximum in the European South and in the Ural-Volga area, where the former UTSs-district centers are mostly concentrated, in which change of their status was purely formal.

scholarly journals Current ecological condition of rural residential territories of Ukraine: reproduction and preservation of human and natural resource potential

2021 ◽  
Author(s):  
N. Palapa ◽  
O. Nagornіuk ◽  
M. Toniuk ◽  
S. Gonchar ◽  
Yu. Shevchenko
Keyword(s):  
Quality Of Life ◽  
Rural Areas ◽  
Rural Population ◽  
Residential Area ◽  
Economic Life ◽  
Population Increase ◽  
Nature Management ◽  
Industrial Complex ◽  
Rural Settlements

In the modern socio-ecological and economic life of Ukraine, rural areas occupy a special place; they are an integral part of the agricultural sphere, because they are home to more than a third of the population of our country. These areas are characterized by an exceptional contribution to the formation of food security. Increasing the country’s export potential makes the development of rural areas one of the main priorities of Ukraine’s state policy, which aims to raise living standards of the rural population, increase the efficiency of the agro-industrial complex, improve the environment and improve the quality of life of peasants. However, prior to land reform, monitoring of agricultural land on former collective and state farms was conducted at the state level, and residential areas where the population grew for their own needs were never surveyed. And according to the population itself, no standards for the use of chemical pesticides and fertilizers have ever been observed. Many years of research conducted at the Institute of Agroecology and Nature Management of NAAS found that in the residential area of rural settlements drinking water is contaminated with nitrates, vegetable products — nitrates and heavy metals, which indicates the need for monitoring in the residential area. Modern ecological assessment of rural settlements remains relevant, unrealized and requires regular research, socio-ecological monitoring and scientific substantiation of their ecologically balanced development. Intensification of agricultural production, reduction of forests and forest belts, intensive plowing of lands, intensification of water and wind erosion processes, drainage of swamps, migration and reduction of the number of experienced rural population have led to degradation of Ukraine’s agrosphere. The analysis of modern strategies of development of rural territorial communities has shown that in none of them the ecological nature protection aspect is taken into account (at best, socio-economic one, and usually — just economic development). This indicates that community leaders are not properly trained to perform their current community development functions, taking into account environmental security and policies. The still low ecological culture and consciousness of the rural population of Ukraine inhibits the civilized development of rural areas and with it the quality of life of the population in these areas.

scholarly journals PROSPECTS FOR DEVELOPMENT OF MOBILE BANKING IN RURAL AREAS

2019 ◽  
Vol XXI (2) ◽  
pp. 125-132
Author(s):  
Sławomir Juszczyk
Keyword(s):  
Rural Areas ◽  
Mobile Applications ◽  
Banking Sector ◽  
Mobile Banking ◽  
Time Saving ◽  
Continuous Increase ◽  
Banking Services ◽  
Financial Changes ◽  
Online Stores ◽  
Research Period

The conducted research concerned prospects for the development of mobile banking in Poland. The article is a fragment of this research and concerns prospects for the development of this banking in rural areas. The aim of the research was to determine the expectations of mobile banking customers living in rural areas and the likely directions of changes in non-cash payments. The research period for rural areas concerned the years 2016-2018. The research covered the Polish banking sector. In addition, from January to March 2019, a questionnaire was carried out among 250 clients of banks living in rural areas. The research established that customers most often use mobile banking to check account balances and make payments at online stores. Customers in mobile banking appreciate comfort, time saving, being cash free and the freedom to make payments. The expectations of mobile banking users relate to: continuous increase of Internet coverage, improvement of security for telephone theft, increasing the possibility of using the BLIK service, adapting mobile applications to older generation smartphones and further price reductions of remote banking services. Therefore, it is almost certain that technical, organizational and financial changes in mobile banking in rural areas will head in this direction.

scholarly journals Model of Agents-Based Branchless Banking Services Development in Urban and Rural Area

2020 ◽  
Vol 52 (1) ◽  
pp. 69
Author(s):  
Rini Rachmawati ◽  
Nur Muhammad Farda ◽  
Bowo Setiyono
Keyword(s):  
Rural Communities ◽  
Rural Areas ◽  
Urban Areas ◽  
Banking Sector ◽  
Primary Data ◽  
Information Communication ◽  
Structured Interviews ◽  
Banking Services ◽  
Internet Media ◽  
Measurement Of Coordinates

The banking sector has experienced a far leap related to Information Communication and Technology (ICT)-based services. Among them is e-banking that has been used by the community, especially in urban areas. Likewise, the use of ATMs can be used to provide banking services to the wider community, so that it can replace most of the functions of services in banks. However, in communities outside of urban areas such as rural communities there are still limitations in accessing e-banking and ATM services. Limited use of e-banking because this service must use internet media or smart phones to access. Meanwhile, the limited use of ATMs due to the availability of ATMs in rural areas is not as much as in urban areas, considering that rural areas are areas with low settlement densities. Today, banks in Indonesia have provided branchless banking by enabling agents. Branchless banking is found in urban, suburban and rural areas. In previous research, the existence of branchless banking in the form of agents and their utilization by customers has been identified. From previous studies, maps of agent and customer density and analysis related to the condition of regional accessibility have been produced. This research is a further study focusing on sub districts area with high agent density in both rural, suburban and urban areas. The purpose of this research is to analyze the development model of agent-based branchless banking services. Data was collected through primary data through observation, structured interviews and measurement of coordinates of the location of agents and banking services in the form of ATMs and Banks. The final result is expected to be used as a model for the development of branchless banking services in Indonesia. 

scholarly journals Socio-economic development of rural areas of Kazakhstan

2021 ◽  
pp. 147-154
Author(s):  
D. Zhenskhan ◽  
◽  
Sh. E. Alpeissova ◽  
◽  
◽  
...  
Keyword(s):  
Rural Areas ◽  
Rural Population ◽  
Agricultural Sector ◽  
Scientific Data ◽  
Quality Of Education ◽  
Rural Settlements ◽  
The Republic ◽  
Business Structures ◽  
The Village

The problems in implementation of a number of programs adopted for the development of rural settlements in Kazakhstan are shown, including: low level of production and engineering infrastructure in rural areas of the republic; decline in the quality of education due to the lack of competition among social workers in rural areas. Proposals on early solution of the current situation have been developed. The need for stage-by-stage financing of the assigned tasks and strict control over their implementation, provision of financial mechanisms is indicated, in order to increase the remuneration of specialists in the field of agro-industrial production, it is necessary to develop specific effective measures aimed at increasing the effectiveness of agricultural sector. The authors state that budget expenditures for the development of low-potential RS are ineffective. Prospects for the development of rural areas to a certain extent depend on the activation of regional public bodies and local self-government in expanding the methods of managing socioeconomic processes, developing interaction with the population and business structures, which will make it possible to successfully implement the set objectives, significantly increase the level of employment and incomes of the rural population, improve living conditions and on this basis increase the number of regions with stable rural population; will help improve the quality of life of the village residents. In the course of the study, methods of comparing economic indicators in dynamics, systematization, and generalization of scientific data were used.

scholarly journals TYPOLOGY OF RURAL TERRITORIES BY LEVEL OF ENGINEERING INFRASTRUCTURE DEVELOPMENT

2020 ◽  
pp. 69-78
Author(s):  
S.A. Popova ◽  
◽  
E.E. Smotrova ◽  
E.A. Kolpakova ◽  
◽  
...  
Keyword(s):  
Economic Development ◽  
Population Density ◽  
Rural Areas ◽  
Rural Population ◽  
Composite Index ◽  
Infrastructure Development ◽  
Rural Settlements ◽  
Social Infrastructure ◽  
Socio Economic Development ◽  
The Impact

The relevance of the study is that the poor quality and fragmentary engineering arrangement of rural settlements negatively affects the demographics of rural areas. The aim of the study is to develop a comprehensive methodology for assessing the impact of the state of engineering infrastructure of rural settlements on the demography of rural territories, which is an integral indicator of the proposed rural population density. The paper proposes a method for a comprehensive assessment of rural areas by the level of development of engineering infrastructure. The composite index of rural engineering infrastructure development aggregates seven private statistical indicators calculated for each region of Russia in 2018 and normalized using the linear scaling method. The main difference between the author’s method and the previously conducted research is the combination of the results of ranking Russian regions by the level of development of engineering infrastructure in rural areas with grouping by the density of the rural population. The novelty of the proposed approach is associated with the formation of two-dimensional groupings of rural areas, where population density is regarded as the primary grouping characteristics, and the level of development of engineering infrastructure as a secondary grouping characteristic that gave the possibility to evaluate the correlation between the level of development of social and engineering infrastructure of rural territories and their people. The results of the correlation analysis indicate a moderate relationship between the density of the rural population and the level of development of engineering infrastructure in rural areas. In practical terms, the typology formed serves as an objective basis for identifying and comparing growth points and priorities for sustainable spatial development of rural territories in the future, which creates prerequisites for the unification of state approaches to strategic planning and management of socio-economic development of rural territories of the Russian Federation and regions. The directions of further research are related to the development of the proposed approach in terms of comprehensive coverage of other components of socio-economic development of rural areas (demography, economy, agriculture, social infrastructure) for a more complete assessment of their impact on the rural population density.

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