scholarly journals Dampak Sosial-Ekonomi Koperasi Difabel dan Perwujudan Microfinance Access

INKLUSI ◽  
2018 ◽  
Vol 5 (2) ◽  
pp. 217
Author(s):  
Ririn Nopiah ◽  
Puji Amalia Islami
Keyword(s):  
Financial Services ◽  
Social Economic ◽  
Financial Institution ◽  
People With Disabilities ◽  
T Test ◽  
Savings And Loans ◽  
Self Reliance ◽  
The Disabled ◽  
Paired T Test

Microfinance is a financial institution that can be reached by various groups of people, such as disabled groups. Microfinance programs provide access to financial services to people with disabilities in the form of savings and credit. People with disabilities need financial services to improve their economic and social levels. However, in general, existing microfinance has not fully reached the disabled groups. This study aims to describe the implementation of activities and the role of the Self-Reliance Savings and Loans Cooperative (KSP BANK) for the disabled in Yogyakarta. The analysis used in the study is the analysis of Paired T-test with SPSS 16.0 analysis tools. This study shows that the level of social-economic of mermbers with disability has a positive and significant increase after the operation of KSP BANK Difabel for the members with disabilities.[Keuangan mikro merupakan lembaga keuangan yang dapat dijangkau oleh berbagai kelompok masyarakat, seperti kelompok difabel. Program keuangan mikro memberikan akses jasa keuangan kepada difabel baik dalam bentuk tabungan maupun kredit. Layanan jasa keuangan sangat dibutuhkan difabel dalam meningkatkan taraf ekonomi-sosial mereka. Akan tetapi, pada umumnya keuangan mikro yang ada belum menjangkau secara penuh kelompok difabel. Penelitian ini bertujuan untuk mendeskripsikan pelaksanaan kegiatan dan peran Koperasi Simpan Pinjam (KSP) Bangun Akses Kemandirian (BANK) Difabel Yogyakarta. Analisis yang digunakan dalam penelitian adalah analisis uji Paired T-test dengan alat analisis SPSS 16.0. Penelitian ini menunjukkan bahwa Taraf ekonomi-sosial difabel mengalami peningkatan positif dan signifikan setelah adanya koperasi difabel bagi anggota KSP BANK Difabel tersebut.]

scholarly journals ANALISIS PERBEDAAN TINGKAT PROFITABILITAS PERBANKAN SYARIAH SEBELUM DAN SETELAH BEKERJA SAMA DENGAN PERUSAHAAN FINANCIAL TECHNOLOGY (FINTECH) (STUDI KASUS BANK BNI SYARIAH, BANK SYARIAH MANDIRI, DAN BANK MEGA SYARIAH)

2020 ◽  
Vol 7 (11) ◽  
pp. 2149
Author(s):  
Cupian Cupian ◽  
Farid Fauzy Akbar
Keyword(s):  
Financial Services ◽  
Comparison Group ◽  
Financial Institution ◽  
T Test ◽  
Islamic Banking ◽  
Before And After ◽  
Technology Services ◽  
Profitability Ratios ◽  
Paired T Test ◽  
Financial Technology

ABSTRAKTeknologi keuangan tumbuh sangat pesat khususnya di Indonesia lantaran dilatarbelakangi oleh tumbuhnya penggunaan teknologi dunia. Layanan keuangan yang didominasi oleh lembaga keuangan seperti bank kini bergeser kepada layanan teknologi berbasis keuangan. Sebagai lembaga keuangan yang tidak memiliki pangsa pasar yang besar, perbankan syariah mulai melirik fenomena ini dan mengadopsi sistem kerjasama dengan teknologi ini. Penelitian ini dimaksudkan untuk mengukur seberapa efektifnya sistem kerjasama yang dilakukan oleh perbankan syariah yang bekerjasama dengan fintech sebagai perpanjangan tangan penyaluran pembiayaan. Penelitian ini merupakan peneliatian kuantitatif dengan analisis studi komparasi terhadap rasio profitabilitas dengan sampel yang diambil merupakan bank syariah yang telah bekerjasama dengan fintech, yaitu Bank Syariah Mandiri, Bank BNI Syariah, dan Bank Mega Syariah. Digunakan metode Uji T Berpasangan atau Paired T-Test untuk mendapatkan komparasi perbandingan sebelum dan setelah bekerjasama pada kelompok perbandingan 2 triwulan, 4 triwulan, dan 8 triwulan. Hasil penelitian ini menunjukkan bahwa terdapat perbedaan yang signifikan pada rasio ROA, ROE, dan BOPO pada rentang waktu 8 triwulan sebelum dan setelah bekerjasama dengan perusahaan fintech syariah.Kata Kunci: Fintech, Bank Syariah, Rasio Profitabilitas, Uji T Berpasangan ABSTRACTFinancial technology has grown very rapidly, especially in Indonesia because of the growing use of world technology. Financial services that are dominated by financial institutions such as banks now also shifting to financial-based technology services. As a financial institution that does not have a large market share, Islamic banking began to look at this phenomenon and some have adopted a system of collaboration with this technology. This research is intended to measure how effective the system carried out by Islamic banking in collaboration with fintech as an extension of the distribution of financing. This research is a quantitative study with comparative study of profitability ratios with samples taken from Islamic banks that have collaborated with fintech, namely Bank Syariah Mandiri, Bank BNI Syariah, and Bank Mega Syariah. Paired T-Test is used to get a comparison before and after cooperation at comparison group of 2 quarter, 4 quarter and 8 quarter. The results that there are significant differences in the ROA, ROE, and BOPO ratios in the span of 8 quarters before and after collaboration with Islamic fintech companies.Keywords: Fintech, Islamic Banking, Profitability Ratio, Paired T Test

scholarly journals PENGARUH KONSELING TERHADAP BEBAN KELUARGA DALAM MERAWAT ORANG DENGAN GANGGUAN JIWA

2020 ◽  
Vol 4 (1) ◽  
pp. 203
Author(s):  
Ilma Widiya Sari
Keyword(s):  
Mental Disorders ◽  
Random Sampling ◽  
Family Members ◽  
Simple Random Sampling ◽  
T Test ◽  
Group Design ◽  
The Family ◽  
Post Test ◽  
Paired T Test

Mental disorders become a serious problem. The prevalence of mental disorders has increased every year. The family as the closest unit to people with mental disorders and be the main care giver for sufferers. Families as a big role in determining the care needed by sufferers at home. When one family member experiences a mental disorder, all family members also feel the negative effects. The additional role of the family in caring for family members with mental disorders causes the emergence of pressure or burden in the family that can affect physical, psychological, social and economic conditions. Family counseling is needed for media to help families overcome various problems in life as a whole. The role of counseling is the family can answer all questions that disturb the mind and behavior so that the family is able to solve the problem. This research aims to determine the effect of counseling on family burdens in caring for people with mental disorders. This study uses a quasi-experimental method with a post-test and pre-test one group design. The sample taken in this study is a family that has 76 people with mental disorders. Sampling technique using simple random sampling. Bivariate analysis using paired t-test. Bivariate test showed yhe differences in the average value of the family burden before and after the intervention, where the p value is smaller than the alpha (0.00<0.05). It can be concluded that there is an effect of counseling on family burdens in caring for people with mental disorders. Keywords: counseling; family burdens; mental disorders ABSTRAKGangguan jiwa menjadi permasalahan serius dan terus mengkhawatirkan. Prevalensi kasus gangguan jiwa mengalami peningkatan setiap tahunnya. Keluarga sebagai unit paling dekat dengan orang dengan gangguan jiwa dan menjadi penyedia perawatan utama bagi penderita. Keluarga beperan besar dalam menentukan cara atau perawatan yang diperlukan penderita di rumah. Ketika satu anggota keluarga mengalami gangguan jiwa, maka seluruh anggota keluarga turut merasakan dampak negatif. Adanya tambahan peran keluarga dalam merawat anggota keluarga dengan gangguan jiwa menyebabkan munculnya tekanan atau beban dalam keluarga yang dapat mempengaruhi kondisi fisik, psikologis, sosial dan ekonomi. Konseling untuk keluarga dibutuhkan sebagai media perantara guna membantu keluarga mengatasi berbagai permasalahan dalam kehidupan. Konseling bagi keluarga dapat menjawab berbagai pertanyaan yang menganggu pikiran serta tingkah lakunya. Penelitian bertujuan menguji pengaruh konseling terhadap beban keluarga dalam merawat orang dengan gangguan jiwa. Penelitian ini menggunakan metode quasi eksperimen dengan rancangan post-test and pre-test one group design. Sampel penelitian ini adalah 52 responden dari keluarga yang mempunyai orang dengan gangguan jiwa. Pengambilan sampel dilakukan dengan teknik simple random sampling. Analisis data bivariat untuk menguji pengaruh secara statistik menggunakan paired t-test. Hasil uji bivariat secara statistik menunjukkan perbedaan nilai rata-rata beban keluarga sebelum dan setelah intervensi, nilai p lebih kecil daripada nilai alpha (0,00<0,05). Dengan demikian dapat disimpulkan bahwa ada pengaruh konseling terhadap beban keluarga dalam merawat orang dengan gangguan jiwa.

scholarly journals role of technology in improving the financial inclusivity of banking institution: literature research with Indonesian case

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
I Gst Ngr. Alit Asmara Jaya ◽  
Ida Bagus Putu Purbadharmaja
Keyword(s):  
Financial Services ◽  
Financial Institution ◽  
Qualitative Description ◽  
Improve Performance ◽  
Role Of Government ◽  
Banking Institutions ◽  
The Government ◽  
Banking Institution ◽  
Role Of The Government

This article was written to see how technology plays a role in improving the financial inclusiveness of banking institutions and the role of government and regulator as well. Technology that has grown rapidly in recent decades has been able to make rapid progress in the industry and change people's behavior. Technology is becoming an inevitability that encourages progress in the economy. Banking as one of the supporting sectors of the financial institution industry, need to do efforts continuously to develop through innovation in fulfilling the needs of financial services, in order to improve performance with the application of technology. Using the approach of literature review and former empirical study, the author tries to perform qualitative description analysis of technological role in increasing financial inclusiveness of banking institution and role of the government and regulator as well. The results show that technology has an important role in boosting strategy to increase financial inclusiveness through improving financial performance. Regardless of the role of government and regulator to create condusiveness of the such technological role.

Pressure sensitivity of flow oscillations in postocclusive reactive skin hyperemia

1994 ◽  
Vol 266 (5) ◽  
pp. H1762-H1768 ◽  
Author(s):  
M. Strucl ◽  
D. Peterec ◽  
Z. Finderle ◽  
J. Maver
Keyword(s):  
Arterial Pressure ◽  
Fundamental Frequency ◽  
Frequency Analysis ◽  
Reactive Hyperemia ◽  
Arterial Occlusion ◽  
Maximum Flow ◽  
T Test ◽  
Flow Oscillations ◽  
Paired T Test

Skin blood flow was monitored using a laser-Doppler (LD) flowmeter in 21 healthy volunteers after an occlusion of the digital arteries. The peripheral vascular bed was exposed to occlusion ischemia of varying duration (1, 4, or 8 min) and to a change in digital arterial pressure produced by different positions of the arm above heart level to characterize the pattern of LD flow oscillations in postocclusive reactive hyperemia (PRH) and to elucidate the relevance of metabolic and myogenic mechanisms in governing its fundamental frequency. The descending part of the hyperemic flow was characterized by the appearance of conspicuous periodic oscillations with a mean fundamental frequency of 7.2 +/- 1.5 cycles/min (SD, n = 9), as assessed by a Fourier transform frequency analysis of 50-s sections of flow. The mean respiratory frequency during the periods of flow frequency analysis was 17.0 +/- 2.2 (SD, n = 9), and the PRH oscillations remained during apnea in all tested subjects. The area under the maximum flow curve increased significantly with prolongation of the occlusion (paired t test, P < 0.001; n = 9), but showed no dependence on the estimated blood pressure in the digital arteries, which suggests the predominant role of a metabolic component in this part of the PRH response. In contrast, the fundamental frequency of PRH oscillations exhibited a significant decrease with a reduction in the estimated digital arterial pressure (linear regression, b = 0.08, P < 0.001; n = 12), but did not change with the prolongation of arterial occlusion despite a significant increase in mean LD flow (paired t test, P < 0.001; n = 9).(ABSTRACT TRUNCATED AT 250 WORDS)

‘Until Disabled People Get Consulted …’: The Role of Occupational Therapy in Meeting Housing Needs

1997 ◽  
Vol 60 (3) ◽  
pp. 115-122 ◽  
Author(s):  
Andrew Nocon ◽  
Nicholas Pleace
Keyword(s):  
Occupational Therapy ◽  
Quantitative Data ◽  
User Involvement ◽  
People With Disabilities ◽  
Disabled People ◽  
The Disabled ◽  
Housing Needs ◽  
High Level ◽  
The Way

This article reports oh a study of the housing needs of people with disabilities (aged 16 to 65) in Shropshire. The study included interviews with disabled people and with frontline and managerial staff in several agencies, a survey of disabled people, and the analysis of quantitative data. The findings highlight the high level of need for adaptations and more appropriate housing for disabled people; the importance of greater user involvement in the way needs are identified and services provided; the need for reform of the Disabled Facilities Grant system; and the need for an integrated inter-agency approach to meeting disabled people's housing needs.

Adapting for Community Care, Part 2

1996 ◽  
Vol 59 (4) ◽  
pp. 185-187 ◽  
Author(s):  
Jo Adams
Keyword(s):  
Social Services ◽  
Community Care ◽  
Physical Disabilities ◽  
People With Disabilities ◽  
Occupational Therapists ◽  
Housing Tenure ◽  
Local Policy ◽  
The Disabled ◽  
People With Physical Disabilities

This article examines the provision and funding of home adaptations for people with physical disabilities. Part 1 concluded that people with disabilities receive an adaptation service that Is skewed according to housing tenure and local policy implementation. Part 2 examines the response of one county's social services department and its senior grade occupational therapists in the assessment and allocation of a home adaptation service across housing tenure and across the county. It investigates, first, the role of community occupational therapists in assessing home adaptations across that county and, secondly, the shortcomings in the Disabled Facilities Grant system as documented by service users. Recommendations are made for Improving the adaptation service across housing tenure for people with disabilities.

scholarly journals The Impact of Peer-to-Peer (P2P) Lending on Business Development of Small and Medium-Sized Enterprises

2021 ◽  
Vol 5 (2) ◽  
pp. 201
Author(s):  
Rindah Febriana Suryawati ◽  
Duhita Paramaramya Putri Nurdana
Keyword(s):  
Financial Institution ◽  
Peer To Peer ◽  
T Test ◽  
Least Square ◽  
Significant Difference ◽  
Before And After ◽  
P2p Lending ◽  
Peer Lending ◽  
The Impact ◽  
Paired T Test

The problem faced by most micro-entrepreneurs in Indonesia is financing business. Peer-to-peer (P2P) lending is a non-bank financial institution that can be an alternative source of financing because of the requirements and easy application usage. This study aims to analyze the impact of peer-to-peer lending on business expenses, business turnover, total employment, total sales of products, and profits before and after obtaining a peer-to-peer lending loan and analyze factors affecting the increase in business turnover after getting a loan through peer-to-peer lending. The methods used in this study include the descriptive analysis method, paired t-test, and ordinary least square (OLS). The paired t-test results indicate that there is a significant difference between business expenses, business turnover, the amount of labor, the number of product sales, and profit before and after obtaining a peer-to-peer lending loan. The result of analysis with the OLS method shows that the length of business and expenditure of the business has a significant effect on the development of respondents' business turnover.

scholarly journals Effect of Experiential Learning on Self-Esteem, Resilience and Tolerance for Disagreement

2016 ◽  
Vol 3 (4) ◽  
Author(s):  
Ms. Milli Baby
Keyword(s):  
Experiential Learning ◽  
Undergraduate Students ◽  
Team Building ◽  
Self Esteem ◽  
T Test ◽  
Normal Ranges ◽  
Post Test ◽  
Test Result ◽  
Paired T Test

This paper attempts to explore the role of experiential learning in groups on the participants Self-esteem, Resilience and Tolerance for disagreement. Sample consisted of undergraduate students (N=41) from a seminary located in Nagpur. The Pre-test result showed that over all, initial participant’s responses fell within the normal ranges for self-esteem, resilience and tolerance for disagreement. Paired t test were computed for (N=41) who completed both the pre-test and post-test. These comparisons show a significant increase in means of self esteem, resilience and tolerance for disagreement scores. This increase indicates the importance of team-building workshop having recreation activities, games and exercises.

scholarly journals Evaluation of the Role of Twitter in Increasing the Awareness and Knowledge about Diabetes Among Citizens of Saudi Arabia

2021 ◽  
Vol 14 (1) ◽  
pp. 605-611
Author(s):  
Hala Alhodaib ◽  
Manal Alshakhs ◽  
Sara Alsaidan ◽  
Hamdah Aldossari ◽  
Maryam Alnass ◽  
...  
Keyword(s):  
Saudi Arabia ◽  
Standard Deviation ◽  
Intervention Group ◽  
T Test ◽  
Control Group ◽  
Diabetes Knowledge ◽  
The Mean ◽  
Twitter Users ◽  
Paired T Test

Purpose: The objective of this research was to evaluate the role of Twitter in increasing the awareness and knowledge of diabetes among citizens of Saudi Arabia. Methods: In this research we used a purposive sampling method and carried out a quantitative experimental study design. The participants were adults Twitter users from Saudi Arabia that had relative diabetic patients. The sample size was 200 participants, which were divided into an intervention and a control group. Each group consisted of 100 participants. The intervention group was recruited through Twitter, and the control group was recruited through WhatsApp. Data were analyzed and interpreted using statistical techniques, such as paired t-test, the simple t-test and the ANOVA. Results: The mean diabetes knowledge test (DKT) score of the intervention group was Mean=13.57, SD= 3.46. After the intervention process, the mean (M) increased to 17.06 and the standard deviation (SD) decreased to 2.35. According to these outcomes, the paired t-test showed that the use of Twitter had an influence on increasing diabetes awareness. Instead, for the control group, the mean (M) was 13.68, and the standard deviation (SD) was 3.72 at the baseline. During the study process, the mean (M) of the control group increased to 14 and the standard deviation (SD) augmented to 3.59. Then, according to the paired t-test, we concluded that in the control group, there was no effect on the participants’ knowledge. Conclusion: The results suggested that Twitter had a positive impact on increasing awareness and diabetes knowledge among adult Twitter users in Saudi Arabia.

scholarly journals The role of rehabilitation and educational institutions in vocational training and employment of people with disabilities

POPULATION ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 146-161
Author(s):  
Aziza Yarasheva ◽  
Olga Alexandrova ◽  
Svetlana Makar
Keyword(s):  
Labor Market ◽  
People With Disabilities ◽  
Educational Institutions ◽  
Sociological Research ◽  
Structured Interviews ◽  
Persons With Disabilities ◽  
The Disabled ◽  
Key Issues ◽  
Selection Of

The article presents some results of a comprehensive sociological research carried out in Moscow in 2018, the purpose of which was to identify the main problems facing people with disabilities (with various types of persistent disorders of body functions) in the capital’s labor market. On the basis of a series of in-depth structured interviews with experts from institutions related to the training and employment of people with disabilities, conclusions were drawn about the features of the selection of vacancies and the problems of adaptation of people with disabilities in the Moscow labor market. The interest of employers in the organization of jobs for persons with disabilities is considered as one of the key issues. One of the issues discussed is the choice between the expediency of creating jobs in the framework of specialized enterprises of the disabled and their integration into the work of ordinary enterprises. Approaches to this issue in different countries have their own characteristics and are determined by the attitude in society towards a person in general and towards a disabled person in particular. The problem of the perception of persons with disabilities in educational institutions and working collectives is considered, and the specific of adaptation of persons with disabilities to digital economy are discussed. There are highlighted the features inherent to social appearance of people with disabilities, as potential employees, as well as the influence of the immediate environment, a kind of ecosystem of a disabled person, on his motivation to work. The social profile of disabled person outlines five key positions in terms of both internal attitudes and environmental conditions affecting employment. In modern conditions of digitalization of the economy, the issues of adaptation of disabled people to its specific features are considered. The authors highlight the role of rehabilitation and special educational institutions in Moscow in preparation of persons with disabilities to their work activities, the ability to present themselves in the selection of a suitable vacancy and the expansion of opportunities to implement their work plans.

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