scholarly journals Evaluating and Implementing Strategies: Technogoly Based Financial Inclusion

2018 ◽  
Vol 7 (2.20) ◽  
pp. 326
Author(s):  
Gowsya Shaik ◽  
Dr P. Raja Babu
Keyword(s):  
Communication Technology ◽  
Credit Card ◽  
Credit Cards ◽  
Financial Inclusion ◽  
Information Communication ◽  
Banking Services ◽  
Bank Branches ◽  
The People ◽  
The Government ◽  
Implementing Strategies

Now a day, Financial Inclusion is delivering the banking services to the people at an reasonable price to all the huge sections for low revenue group. For achieving social benefits and objectives and also to obtain a desired economic development, RBI puts continues efforts for fulfilling the financial inclusion programme. In this direction several new initiatives were undertaken by the Government of India and it has given approval on financial inclusion plans (FIPs) for sustainable development of an economy. These are including opening bank branches, Overdraft facility for eligible accounts, transaction in Kisan Credit Cards, General Credit Card Accounts and transactions through the BC-Information Communication Technology (ICT) channel. The main objective of this research paper to know the strategy based financial inclusion and to find out the implementation and achievement of financial inclusion in India during the period of 2012-17. 

scholarly journals Faktor–faktor yang mempengaruhi konsumen dalam menggunakan dan berhutang dengan kartu kredit di Jabodetabek

2021 ◽  
Vol 2 (2) ◽  
pp. 83-101
Author(s):  
Nesia Ardelia ◽  
◽  
Farah Margaretha Leon ◽  
Keyword(s):  
Credit Card ◽  
Credit Cards ◽  
Demographic Factors ◽  
Sampling Technique ◽  
Least Square ◽  
Analysis Model ◽  
The People ◽  
The Government ◽  
Work Level ◽  
Surrounding Areas

Purpose: This study discussed the factors that influence the use and debt of credit cardholders in Jakarta and surrounding areas (Jakarta, Bogor, Depok, Tangerang, Bekasi) Research methodology: The dependent variable used in this study is the use of credit cards and debts on credit cards. This study's independent variables were demographic factors, credit card feature factors, and attitude towards money factors. The sample of this study was 333 respondents using the purposive sampling technique. The data analysis model used is Ordinary Least Square (OLS). Results: The results showed that there were influences from demographic factors (age, income, family size), features on credit cards (credit limits), and attitudes towards money (the main payment method with credit cards, card tenure) on the use of credit cards; also, demographic factors (gender, type of work, level of education, income) and attitude towards money (minimum payment) on credit card debt. Therefore the factors that banks need to consider to increase their income, and the government for control of public expenditure, also the public to pay more attention to spending on their credit cards so that there is no accumulation of debt that cannot be paid. Limitations: This study has several limitations of specifically only examines the people who are in Jakarta and their surroundings (Jabodetabek) and examines demographic factors, features on credit cards, and attitudes. Contribution: This study will examine demographic factors, features on cards, and attitudes towards money by uniting variables per category into a unified category. The indicators in this study are adjusted to the community in Indonesia. Keywords: Attitude towards money, Credit cards, Credit card features, Demographics

scholarly journals Green Agricultural Development Based on Information Communication Technology and the Panel Space Measurement Model

2021 ◽  
Vol 13 (3) ◽  
pp. 1147
Author(s):  
Xueyao Zhang ◽  
Hong Chen
Keyword(s):  
Communication Technology ◽  
Regional Differences ◽  
Agricultural Development ◽  
Least Squares Method ◽  
Information Communication Technology ◽  
Measurement Model ◽  
Eastern Region ◽  
Information Communication ◽  
The Government ◽  
Space Measurement

This study was conducted to promote the construction of China’s ecological civilization; to reduce harm to the environment; to quantify the performance of agricultural green development (GD); and to truly achieve green, sustainable, and healthy agricultural development. From the perspectives of resources and the environment, first, information communication technology and the panel space measurement (PSM) model were adopted to analyze relevant indicator data from 2000 to 2019 in China’s 30 provinces. Second, China’s agriculture was measured to explore the overall characteristics, temporal changes, and regional differences of agricultural development. A panel data measurement model was constructed using the generalized least squares method, and the main factors affecting performance development were analyzed, which were verified by giving examples. Third, the governance countermeasures and improvement directors were proposed for agricultural GD in China. It is found that the driving force of performance of agricultural GD in China mainly depends on technological progress and that technological efficiency determines the speed of agricultural development. The regional differences in performance of agricultural GD are obvious in China. The growth in the performance of agricultural GD in the eastern region is much higher than that of the central, western, and northeast regions. In addition, the results show that the performance of agricultural GD is extremely positively correlated with the agricultural economic level, fiscal support for agriculture policy, and the industrialization process and that it is extremely negatively correlated with the level of opening-up, adjustment of agricultural structure, and the environmental regulatory capability of the government. As a result, this study can provide some ideas for the realization of agriculture GD in China.

Effectiveness of Financial Inclusion Initiatives

2018 ◽  
pp. 48-65
Author(s):  
K. Sanal Nair ◽  
Saumya Jain
Keyword(s):  
Research Methodology ◽  
Financial Services ◽  
Credit Card ◽  
Financial Inclusion ◽  
Descriptive Statistics ◽  
Mobile Banking ◽  
Indian Government ◽  
The Past ◽  
The Government ◽  
One Way Anova

An inclusive financial system has been the major agenda of the Indian government over the past few years and several steps have been taken in this direction. The main purpose of the study is to assess the effectiveness of financial inclusion initiatives taken by Rajasthan government. A questionnaire was drafted and was sent to people from weaker section of the society who have been the beneficiaries of the financial inclusion initiative of the government. Research methodology adopted for the study includes descriptive statistics and one-way ANOVA was used to test the association/non-association between the variables. The study concluded towards lack of awareness and usage of financial inclusion initiatives, especially internet, mobile banking, and credit card. In terms of experience with financial services, respondents were positive towards interest on loans and help received by banking staff with respect to documentation and identification norms as well as branch timings. However, distance from the bank and the availability of ATM was an issue for them.

scholarly journals Assessment of the impact of Smartphone Technology on Tour Guide Performance in Kenya

2019 ◽  
Vol 7 (2) ◽  
pp. 30 ◽  
Author(s):  
Kabii Francis ◽  
John K. M. Wandaka ◽  
Naghea Jilo
Keyword(s):  
Communication Technology ◽  
Information Communication Technology ◽  
Tourism Industry ◽  
Information Communication ◽  
Chi Square ◽  
Tour Guides ◽  
Time Interaction ◽  
Smartphone Technology ◽  
The Government ◽  
The Impact

Several studies have been conducted to examine the influence of technology on the travel and tourism industry. However, there exists limited literature on the adaptation and usage of Smartphone technology by Kenyan tour guides, a gap this study sought to address. The objective of the study was to examine the effect of Information Communication Technology (ICT) on tour guiding performance in Kenya, investigate the effect of smartphone usage on the guides’ performance and finally, explore the possibility of adoption smart guiding techniques by Kenya’s tour guides. The study used descriptive methods and target practicing tour guides as the respondents. The data collected was analyzed using the Pearson’s Chi-square test of independence. The findings indicated Smartphone technology positively influenced guides, performance (χ2=65.025;df 2; P<0.05).The study concluded that smartphone and information communication technology have significantly influenced guides performance and hence recommend to the government and other stakeholders to invest more in infrastructure that supports smart destinations, which offer interactive pre-tour services, during the tour and post-tour experiences. Innovation on applications that support real-time interaction with attractions, accommodation and financial institutions is recommended.

Information, Education and Communication Needs in Family Planning: The Case of Pakistan

1992 ◽  
Vol 13 (2) ◽  
pp. 97-106 ◽  
Author(s):  
George P. Cernada ◽  
A. K. Ubaidur Rob
Keyword(s):  
Family Planning ◽  
Rural Areas ◽  
Family Welfare ◽  
Information Communication ◽  
The People ◽  
The Family ◽  
Service Delivery Systems ◽  
National Family Planning ◽  
The Government ◽  
Communication Needs

In spite of three decades of national family planning programmes, Pakistan's contraceptive prevalence rate was only 12 percent in 1991. Furthermore, the government family planning service delivery systems, primarily the family welfare center (FWC), cover less than 10 percent of the people in rural areas. Although there are cultural and religious constraints to social change, it can be argued effectively from recent surveys that there is a considerable need for family planning that has yet to be met. Certain barriers to, and options for, meeting this need are reviewed, particularly in terms of strengthening information, communication and education (TEC) at the community level.

scholarly journals EVALUATION OF A NATIONAL LEVEL SCHEME FOR UPLIFTING RURAL POPULATION THROUGH FINANCIAL INCLUSION IN A DEVELOPING COUNTRY: EVIDENCES FROM RURAL INDIA

2021 ◽  
pp. 40-58
Keyword(s):  
Developing Country ◽  
National Level ◽  
Uttar Pradesh ◽  
Ground Level ◽  
Financial Inclusion ◽  
Successful Implementation ◽  
Review Of Literature ◽  
Banking Services ◽  
The People ◽  
Major Factors

This study aims to understand the factors that encourage the people from rural background to access the banking Services offered under a financial inclusion scheme, with evidences from a developing country, India. Pradhan Mantri Jan Dhan Yojana (PMJDY), scheme launched by Government of India, has an objective of connecting the banking industry with the people residing in the remote areas of the country. The research is aimed to gauge the PMJDY’s accomplishments in terms of fulfilment of its objectives. The research helps in getting a ground level feedback of the financial inclusion schemes’ achievements and issues involved in its successful implementation. This study also explores the perceptions of the individuals regarding the benefits offered by the scheme. A field survey of 2446 respondents was conducted in Purvanchal region of Uttar Pradesh, India. The questionnaire was constructed based on the theoretical model built after an extensive review of literature in the field of financial inclusion. The results from the analysis indicate that the awareness about the scheme and support by authorities are the two major factors that contribute to the successful implementation of a financial inclusion scheme. Overall awareness and availing of banking services under PMJDY scheme has been initiated but not uniformly.

scholarly journals Minat Masyarakat Kota Banda Aceh terhadap Kartu Kredit Bank

2018 ◽  
Vol 2 (2) ◽  
pp. 89
Author(s):  
Ismail Ismail
Keyword(s):  
Credit Card ◽  
Credit Cards ◽  
Cultural Dimensions ◽  
Bank Credit ◽  
Chi Square ◽  
Community Interest ◽  
The People ◽  
Bartlett’S Test ◽  
The City ◽  
Banda Aceh

Abstrak. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana minat masyarakat Kota Banda Aceh terhadap kartu kredit, untuk mengetahui faktor-faktor yang mempengaruhi minat Masyarakat Kota Banda Aceh terhadap kartu kredit Bank. Penelitian dilakukan di Kota Banda Aceh yang meliputi para nasabah kartu kredit Bank yang terdapat di Kota Banda Aceh.yaitu Nasabah Bank sebagai berikut; (1). Bank BRI, (2). Bank BNI, (3). Bank Mandiri, (4). Maybank, (5). Bank BCA, (6). Bank Danamon, (7). Bank Bukopin, (8). Bank Permata, (9). Bank Panin. Dengan jumlah responden sebanyak 270 orang responden. Berdasarkan uji KMO and Bartlett’s test diperoleh nilai approx. Chi-Square sebesar 717.400 pada df = 21 dengan tingkat probabilitas sebsar 0,000, sehingga semua variabel yang dijadikan indikator sebagai penelitian ini dijadikan acuan oleh masyarakat Kota Banda Aceh untuk memiliki kartu kredit Bank. Faktor yang paling dominan yang menimbulkan minat masyarakat terhadap kartu kredit secara berurutan adalah dimensi kebudayaan, dimensi sosial, dimensi pribadi, dimensipsikologis, dimensi chievement, dimensi power dan dimensi affiliation. Kata kunci: Minat Masyarakat, Kartu Kredit Bank, Kota Banda Aceh. Abstract. The purpose of this study was to find out how the interest of the people of Banda Aceh City on credit cards, to find out the factors that influence the interest of the Banda Aceh City Community towards the Bank's credit card. The research was carried out in the city of Banda Aceh which included the customers of the Bank's credit card in the City of Banda Aceh. That is the Bank Customer as follows; (1). Bank BRI, (2). BNI Bank, (3). Bank Mandiri, (4). Maybank, (5). Bank BCA, (6). Bank Danamon, (7). Bank Bukopin, (8). Bank Permata, (9). Panin Bank. With the number of respondents as many as 270 respondents. Based on the KMO and Bartlett's test the values obtained were approx. Chi-Square is 717,400 at df = 21 with a probability level of 0,000 so that all the variables used as indicators for this study are used as references by the people of Banda Aceh to have a Bank credit card. The most dominant factors that cause public interest in credit cards in the sequence are cultural dimensions, social dimensions, personal dimensions, psychological dimensions, achievement dimensions, power dimensions, and affiliation dimensions.Keywords: Community Interest, Bank Credit Cards, Banda Aceh City.

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.

Determining the nexus between financial inclusion and economic development in Pakistan

2019 ◽  
Vol 22 (2) ◽  
pp. 195-209 ◽  
Author(s):  
Muhammad Subtain Raza ◽  
Jun Tang ◽  
Sana Rubab ◽  
Xin Wen
Keyword(s):  
Economic Growth ◽  
Economic Development ◽  
Data Analysis ◽  
Positive Relationship ◽  
Meta Analysis ◽  
Financial Inclusion ◽  
Content Type ◽  
Bank Branches ◽  
Bank Accounts ◽  
The Government

PurposeThis paper aims to evaluate the relationship between financial inclusion and economic development in Pakistan based on available sources of detailed data and assess its outcome of financial inclusion on basic standards of life, then accord relevant recommendations to prompt economic growth and development.Design/methodology/approachThe research design selected for data analysis was meta-analysis, besides, data analysis over the period 2010-2015 was performed by using a descriptive statistical approach, regression and correlation analysis, i.e. the Pearson correlation matrix.FindingsThe authors find a positive relationship between financial inclusion and economic development, resultantly; increase in financial inclusion may lead to an increase in economic development. In detail, the number of the number of bank accounts (per 1,000 adult population) and the number of bank branches (per 100,000 people) have a positive relationship with human development index (HDI). Where else the amount of automated teller machines per 1,000 km2(per cent) reveals a negative relationship.Practical implicationsThe study has shown that expand financial access such as strengthen the establishment of bank accounts and bank branches can increase economic development in Pakistan. That is the government should focus on the financial inclusion policies as a means of ameliorating poverty, through a participation of all economic agents in the financial system. There is an utmost need for the Government of Pakistan to prioritize the importance of financial inclusion.Originality/valueThe novelty of the study is taken HDI and three representative indicators as a measurement of economic growth and financial inclusion, respectively, meanwhile, meta-analysis, multivariate regression model sum up that poverty alleviation is connected with the development of a more inclusive financial services sectors.

Diffusion and Adoption of Credit Cards in Indian Banking Sector

2018 ◽  
Vol 1 (2) ◽  
pp. 1-20
Author(s):  
Dr. Mandeep Kaur ◽  
Dr.Kamalpreet Kaur
Keyword(s):  
Credit Card ◽  
Banking Sector ◽  
Credit Cards ◽  
Annual Reports ◽  
Banking Services ◽  
Time Period ◽  
Dichotomous Variable ◽  
Reserve Bank ◽  
The Status ◽  
Reserve Bank Of India

The study emphasizes on the identification of factors, which may have influenced the banks to adopt credit cards along with their traditional banking services. Bank specific variables were investigated to deepen the understanding on the diffusion and adoption of credit cards. The data relating to sampled banks’ characteristics have been collected from database of Reserve Bank of India. To know about the status of the bank regarding its adoption of credit card, the websites and annual reports of the banks were explored during different intervals of time period of the study. The study considers the dependent variable i.e. adoption of credit cards as dichotomous variable, whether or not a bank renders the credit card services, denoting 1 if the bank has adopted credit card otherwise 0. The logistic regression has thus been applied to get the valid and reliable results. The empirical findings reveal that, size, non-interest income, non performing assets, profitability, age and market share of the bank are the variables which have contributed significantly in the diffusion and adoption of credit cards.

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