scholarly journals KINERJA PROGRAM PENYALURAN BANTUAN LANGSUNG MASYARAKAT (BLM) PENGEMBANGAN USAHA MINA PEDESAAN (PUMP) PERIKANAN BUDIDAYA

2018 ◽  
Vol 7 (1) ◽  
pp. 27 ◽  
Author(s):  
Hikmah Hikmah ◽  
Maulana Firdaus
Keyword(s):  
Survey Methods ◽  
Descriptive Analysis ◽  
Cash Transfer ◽  
Input Process ◽  
Transfer Programs ◽  
Business Program ◽  
Directorate General ◽  
Qualitative Descriptive ◽  
Study Sites ◽  
Technical Guidance

Penelitian ini bertujuan untuk mengetahui dan mengevaluasi kinerja program penyaluran bantuan langsung tunai kepada masayarakat melalui program Pengembangan Usaha Mina Pedesaan-Perikanan Budidaya (PUMP-PB) dengan fasilitasi bantuan pengembangan usaha bagi pembudidaya ikan dalam wadah Kelompok Pembudidaya Ikan (POKDAKAN). Metode penelitian menggunakan metode survei pada 12 lokasi penelitian. Metode analisis data menggunakan analisis deskriptif kualitatif. Hasil penelitian menunjukan bahwa capaian kinerja input, proses dan output pelaksanaan program penyaluran bantuan langsung masyarakat melalui PUMP-Perikanan Budidaya di 12 Kabupaten/Kota secara administrasi telah sesuai dengan petunjuk teknis dari Direktorat Jenderal Perikanan Budidaya. Hal ini ditunjukkan oleh jawaban responden terhadap empat isian terkait kegiatan tersebut yaitu 100% responden menyatakan sudah sesuai dengan prosedur. Dalam pelaksanaannya, pada masih terdapat permasalahan dan tantangan yang dihadapi antara lain adanya kelompok aspirasi, kurangnya tenaga pendamping, pencairan BLM tidak tepat waktu dan  penerima BLM kurang tepat sasaran.Title: Performance Analysis Of Distribution Program Live Aid Society (BLM) Small Aquaculture Business Program (PUMP)This study aims to identify and evaluate the performance of direct cash transfer programs to the community through the small aquaculture business program  (PUMP-PB) with the facilitation of business development assistance for fish farmers in the container Fish Farmers Group (Pokdakan). The research method used survey methods at 12 study sites. Methods of data analysis using qualitative descriptive analysis. The results showed that the gains of the input, process and output of the implementation of the distribution of community grants program through PUMP-Aquaculture in 12 districts / cities in administration in accordance with the technical guidance of the Directorate General of Aquaculture. This is indicated by the respondents to the four fields related to these activities is 100% of the respondents are in accordance with the procedure. In practice, the there are still problems and challenges faced by, among others, the existence of groups of aspiration, lack of assistants, not timely disbursement of BLM and less targeted recipients.

scholarly journals AKTIVITAS NELAYAN DI KELURAHAN SARIO TUMPAAN KECAMATAN SARIO KOTA MANADO

2016 ◽  
Vol 2 (4) ◽  
Author(s):  
Jefri Jojobo ◽  
Victoria E.N. Manoppo ◽  
Florence V. Londong
Keyword(s):  
Survey Methods ◽  
Descriptive Analysis ◽  
Sampling Techniques ◽  
Fishing Community ◽  
Fishing Activity ◽  
Family Responsibilities ◽  
Purposive Sampling ◽  
Qualitative Descriptive ◽  
Work Education ◽  
The Village

Abstract This study aims to describe how the fishing activities in the Village Sario Tumpaan and what factors are affecting the fishing activities. This study used survey methods, sampling techniques are used, ie purposive sampling. The population in this study is the fishing community Village Tumpaan Sario Manado City totaling 17 people. Sampling was done by distributing questionnaires, interviews with informants and field observations. Model analysis of the data used in this study is a descriptive analysis of quantitative and qualitative descriptive analysis. The results indicate the fishing activities consist of fishing activities and social activities and the factors that affect the fishing activities of the Village Sario Tumpaan are age, length of work, education, family responsibilities distance of the sea, the skills and the season. Keywords: fishing activity, factors influencing   Abstrak Penelitian ini bertujuan untuk mendeskripsikan bagaimana aktivitas nelayan di Kelurahan Sario Tumpaan dan faktor-faktor apa saja yang mempengaruhi aktivitas nelayan. Penelitian ini menggunakan metode survei, teknik pengambilan sampel digunakan, yaitu purposive sampling. Populasi dalam penelitian ini adalah masyarakat nelayan Kelurahan Sario Tumpaan Kota Manado berjumlah 17 Orang. Pengambilan sampel dilakukan dengan cara menyebarkan kuisioner, wawancara langsung dengan nara sumber dan observasi lapangan. Model analisis data yang digunakan pada penelitian ini adalah analisis deskriptif kuantitatif dan analisis deskriptif kualitatif. Hasil menunjukkan aktivitas nelayan terdiri atas aktivitas penangkapan dan aktifitas sosial dan faktor-faktor yang mempengaruhi aktivitas nelayan Kelurahan Sario Tumpaan adalah umur, lama bekerja, pendidikan, tanggungan keluarga jarak tempat melaut, keterampilan dan musim. Kata kunci: aktivitas nelayan, faktor-faktor yang mempengaruhi

scholarly journals EVALUASI PROGRAM PEMBINAAN RENANG DI KLUB TIRTA SERAYU, TCS, BUMI PALA, DEZENDER, SPECTRUM DI PROVINSI JAWA TENGAH

2013 ◽  
Vol 1 (1) ◽  
pp. 13-25
Author(s):  
Ardhika Falaahudin ◽  
FX Sugiyanto
Keyword(s):  
Descriptive Analysis ◽  
Development Program ◽  
Evaluation Process ◽  
Input Process ◽  
Analysis Techniques ◽  
Central Java ◽  
Qualitative Descriptive ◽  
Sports Coaching ◽  
Central Java Province ◽  
The Ideal

Penelitian ini bertujuan untuk mengevaluasi konteks, input, process dan Produk pelaksanaan program pembinaan olahraga renang di Tirta Serayu, TCS, Bumi Pala, Dezender, Spectrum di Provinsi Jawa Tengah. Subjek penelitian ini adalah atlet yang pernah mengikuti kejuaraan renang tingkat Nasional di klub renang Tirta Serayu Banjarnegara, TCS Semarang, Bumi Pala Temanggung, Dezender Purbalingga dan Spectrum Semarang, pelatih dan orangtua atlet yang berjumlah 15 orang. Teknik pengumpulan data menggunakan metode observasi, wawancara, angket dan dokumentasi. Teknik analisis data dalam penelitian ini yaitu análisis deskriptif kuantitatif dan kualitatif. Hasil penelitian menunjukkan bahwa secara keseluruhan hasil evaluasi program pembinaan olahraga renang klub renang Tirta Serayu, TCS, Bumi Pala, Dezender, Spectrum di Provinsi Jawa Tengah sudah baik, meliputi: (1) evaluasi konteks dukungan dari orang tua atlet kepada atlet sudah baik, (2) evaluasi input, secara umum sumber daya manusia untuk mencapai tujuan program pembinaan olahraga renang meliputi pelatih, atlet, dan pendukung lainnya seperti sarana dan prasarana dan kualifikasi pelatihan telah memenuhi ketercapaian ideal. Meskipun untuk tingkat pendidikan pelatih serta sarana dan prasarana masih ada yang belum memadai, (3) evaluasi proses, secara umum telah berjalan dengan baik. Dalam pemilihan program setiap klub renang sebelumnya menganalisis program yang telah berjalan dengan mempertimbangkan kondisi di lapangan, pelatih telah mengikuti petunjuk teknis pelaksanaan program serta terdapat jadwal rutin dan target latihan serta dilaksanakan latih tanding, try out dengan klub atau atlet dari klub lain dan juga berperan aktif mengikuti kejuaraan, (4) evaluasi Produk, secara garis besar prestasi klub renang di Provinsi Jawa Tengah yang dicapai para atletnya terbilang sangat baik, dibuktikan dengan prestasi yang telah diraih melalui tingkat daerah, provinsi, nasional bahkan ASEAN.   THE EVALUATION OF POOL DEVELOPMENT PROGRAM AT TIRTA SERAYU CLUB, BUMI PALA, DEZENDER, AND SPECTRUM IN CENTRAL JAVA PROVINCEAbstract This study was aimed to evaluate the context, input, process and Produk for the implementation of swimming sports coaching program at Tirta Serayu, TCS, Bumi Pala, Dezender, Spectrum in Central Java Province. The subjects were the athletes who attended the national championships level at the swimming pool club of Tirta Serayu Banjarnegara, TCS Semarang, Bumi Pala Temanggung, Dezender Purbalingga and Spectrum Semarang, the coaches and the athletes’ parents totaled of 15 persons. Data collection techniques were using observation, interviews, questionnaires and documentation. Data analysis techniques were using quantitative and qualitative descriptive analysis. The results showed that generally the evaluation of the implementation of swimming sports development program at Tirta Serayu, TCS, Bumi Pala, Dezender, Spectrum in Central Java Province was good which consisted of (1) In the evaluation context it was good for the parents support for the athlete. (2) For the input evaluation, generally it met the ideal achievement for the human resources to achieve sports coaching program objectives included swimming coaches, athletes, and other supporting facilities and infrastructure such as training qualification, although the level of the coaches education and facilities were not adequate. (3) In the evaluation process, the implementation of swimming club training program in Central Java province generally had been going well. In the program election, each swimming club analyzing the running program based on the field and coaches who had followed the instructions and regular schedule, target practice and the practice match implementation, try out the clubs or athletes from other clubs and also actively follow the championship. (4) On the Produk evaluation, generally the performance of swimming clubs in the province of Central Java achieved by the athletes were fairly good, this was evidenced by some of the achievements that have been achieved through local, provincial, national and even ASEAN. Keywords: program evaluation, swimming sports development program

scholarly journals MENYOAL BUKU AJAR KEAGAMAAN: Tadqiq Buku Mata Kuliah Pendidikan Agama Islam Di Universitas Negeri Gorontalo

2016 ◽  
Vol 14 (1) ◽  
Author(s):  
I Idham
Keyword(s):  
Higher Education ◽  
Content Analysis ◽  
Religious Education ◽  
Descriptive Analysis ◽  
State University ◽  
Text Data ◽  
Directorate General ◽  
Qualitative Descriptive ◽  
Research Questions ◽  
The University

abstractThis  study  investigates  religious  textbook particularly Islamic Study subject at the University of  Gorontalo  (UNG),  with  the  desire  to  answer two  research  questions,  namely:  1)  How  is  the textbook of Islamic Religious Education at the State University of Gorontalo (UNG) used? and 2) How is the content of the textbook of Islamic religious education in UNG viewed in the perspective of tadqiq ?. This study used qualitative descriptive analysis.  The  text  data  of  textbook  was  analyzed by stages that refer to the stages of tadqiq selected by using content analysis. The results showed that the Islamic Study textbook published in 2009 has been in accordance with the Decree of Directorate General of Higher Education NO. 43 / DIKTI / Kep / 2006. There are additions and subtractions, but do not reduce the content of the book. The course book is used for teaching at 11 faculties in UNG, regardless of the type of faculty and discipline. In addition,  the  book  is  printed  for  limited  purpose (in this case for students). In terms of tadqiq, this textbook  has  some  weaknesses,  such  as:  it  does not use transliteration, there are a few typos, it is inconsistent in quoting and translation, the hadist that are used do not meet the standard of writing (sanad, honor, narrators), do not have harakat, only the translation is given, and there is an expression that is considered a hadist, and so forth.Keywords: tadqiq, textbooks, religious educationabstrakPenelitian ini menyoal buku ajar keagamaan khususnya matakuliah Agama Islam di Universitas gorontalo (UNg), dengan keinginan menjawab dua pertanyaan penelitian, yaitu: 1) Bagaimana mekanisme penggunaan buku ajar Pendidikan Agama Islam di Universitas Negeri gorontalo (UNg)? dan 2) Bagaimana isi buku ajar pendidikan agama Islam di UNg dalam perspektif tadqiq?. Penelitian ini menggunakan analisis deskriptif kualitatif. Adapun data teks buku ajar dianalisis dengan tahapan yang mengacu pada tahapantahapan tadqiq yang dipilih dengan menggunakan analisis isi. Hasil penelitian menunjukkan bahwa Buku matakuliah Pendidikan Agama Islam yang diterbitkan pada tahun 2009 ini telah sesuai dengan surat Keputusan Direktorat Jendral Pendidikan tinggi No. 43/DIKtI/Kep/2006. Ada penambahan dan pengurangan, namun tidak mengurangi konten buku tersebut. Buku matakuliah tersebut diajarkan pada 11 Fakultas di UNg, tanpa memerhatikan jenis fakultas dan kelokalannya. selain itu, buku ini dicetak sangat terbatas (kalangan sendiri). Dari segi tadqiq, bukumatakuliah ini memiliki beberapa kekurangan, seperti: Belum menggunakan transliterasi, ada beberapa kesalahan ketik, tidak konsisten dalam pengutipan ayat dan terjemahnya, hadis yang digunakan belum memenuhi standar penulisan (sanad, matan, perawi), tidak berharakat, ada yang mencantumkan hanya terjemahannya, dan ada ungkapan yang disinyalir sebagai hadis, dan lainlain.Kata Kunci: tadqiq, buku ajar, pendidikan keagamaan

scholarly journals The Legal Protection of Indonesian Female Seafarer

2021 ◽  
Vol 1 (4) ◽  
pp. 202-208
Author(s):  
Meti Kendek ◽  
Hadi Setiawan ◽  
Subehana Rachman ◽  
Adi Suriadi
Keyword(s):  
Social Protection ◽  
Descriptive Analysis ◽  
Legal Protection ◽  
Decent Work ◽  
Literature Study ◽  
Legal Structure ◽  
Treatment Implementation ◽  
Directorate General ◽  
Qualitative Descriptive ◽  
Legal Subjects

Analysis of legal protection for Indonesian female seafarer. Based on these central issues, this study aims to determine what regulations protect Indonesian female seafarers and how to implement Indonesian female seafarer's protection based on existing ordinances. The method of data collection was a literature study, observation sheet, and interviews guide. The collected data were analyzed using qualitative descriptive analysis techniques. This study's population was representatives of the Directorate General of Sea Transportation and members of the Indonesian Women Seafarers' Organization, namely: Indonesia Female Marine (IFMA) and Indonesian Lady Seafarers (ILS).The research results showed that national and international law had guaranteed legal protection to Indonesian female mariner of various rules and regulations. This guarantee was used in obtaining decent and productive work into independent, equal, and safe conditions with dignity so that if they do not get discriminatory treatment. Implementation of legal protection for women seafarers has not been accommodated by legal subjects, both in the legal structure, legal substance or legal culture.It is based on conditions where there are still minimum opportunities for decent work and lack of social protection for female seafarer when doing their job. This is evidenced by the Circular Letter of the DirectorGeneral of Hubla of the Ministry of Transportation No.Um.003 / 80/9 / DJPL-1 concerning the Fulfillment / Granting of the Rights of Female Seafarer, and the Circular of the Ministry of Transportation's Directorate General of Transportation Hubla No.UM.002 /89/3 / DK -17 concerning the Fulfillment / Granting of the Rights of Female Seafarer.which was philosophically issued at the insistence of the Indonesian Female Marine(IFMA) which received many reports from the female seafarer.

scholarly journals Analisis Penerapan E-Filling Dimasa Pandemi Covid 19 Sebagai Upaya Meningkatkan Kepatuhan Wajib Pajak Orang Pribadi

2021 ◽  
pp. 69
Author(s):  
Rusli Amrul
Keyword(s):  
Data Analysis ◽  
Descriptive Analysis ◽  
Internet Access ◽  
Annual Reports ◽  
Network System ◽  
Analysis Method ◽  
Processing Data ◽  
Analysis Technique ◽  
Directorate General ◽  
Qualitative Descriptive

The purpose of this research is to determine the application of e-filling during the pandemic in increasing individual taxpayer compliance in submitting annual tax. The data analysis technique used in this study is a qualitative descriptive analysis method, namely by collecting data, processing data, analyzing data, conclude and providing interpretation. The results of the study are Tax Service Office in West Mataram in implementing e-filling during the covid 19 pandemic has been in accordance with the procedures based on tax laws and regulations on tax administration. The implementation of social distancing during the COVID-19 pandemic is one of the obstacles in disseminating the form of tax annual reports to taxpayers through e-filling. The compliance of individual taxpayers during the COVID-19 pandemic in reporting annual tax through e-filing is more constrained because individual taxpayers mostly report annual tax at the end of the reporting deadline, not all taxpayers understand technology such as computers, internet access and email, lack of knowledge of individual taxpayers in filling out annual tax report online so that there are many errors in filling out annual tax report. The network system on the website of the Directorate General of Taxes is often disrupted due to too many individual taxpayers accessing the website in the month of the annual tax report.

scholarly journals ANALISIS PENERAPAN, PEMAHAMAN DAN KEEFEKTIFAN E-FAKTUR DALAM PELAPORAN SPT MASA PAJAK PERTAMBAHAN NILAI ( STUDI KASUS DI PT. POMONA INDAH PERMAI )

2021 ◽  
Vol 1 (1) ◽  
pp. 69-75
Author(s):  
Wilda Wilda ◽  
Nurhayati Nurhayati
Keyword(s):  
Descriptive Analysis ◽  
Directorate General ◽  
Qualitative Descriptive

E-faktur is an electronic tax invoice made by the Directorate General of Taxes tofacilitate PKP in making electronic tax invoices and reduce manipulation of taxinvoices or create fictitious tax invoices that can affect VAT that must be borne. Theapplication of Electronic Tax Invoice is regulated in Regulation of the DirectorGeneral of Tax PER-16 / PJ / 2014, which was carried out in stages starting onJuly 1, 2014, July 1, 2015, and finally July 1, 2016. The purpose of this study wasto determine the making of electronic tax invoices through e -Faktur and to find outthe application of VAT Period SPT reporting at PT. Pomona Indah Permai. Thistype of research used in this study is a qualitative descriptive analysis approach.The results showed that in the application of e-Faktur PT. Indah Permai hasimplemented e-Faktur since September 2015, the application of e-Fakturs inmaking tax invoices has been going well, PT. Pomona Indah Permai hasunderstood the application of e-Foice applications, and the application of e-Foiceapplications in the making and reporting of the VAT Period has been runningeffectively in accordance with the regulations of the Directorate General of TaxPER-16 / PJ / 2014. However, in the VAT Period SPT reporting the company usese-filing and has been running well even though the company reports its taxobligations right at the end of the VAT Period SPT reporting period.

scholarly journals Persepsi Petani terhadap Program Upaya Khusus Peningkatan Produksi Padi, Jagung, dan Kedelai (Kasus Teknologi SRI di Subak Lungatad, Desa Peguyangan Kangin, Kecamatan Denpasar Utara, Kota Denpasar)

2019 ◽  
pp. 225
Author(s):  
I GEDE NGURAH SWARNA DWIJA INDRATANAYA ◽  
I DEWA PUTU OKA SUARDI ◽  
IDA AYU LISTIA DEWI
Keyword(s):  
Descriptive Analysis ◽  
System Of Rice Intensification ◽  
Environmental Aspects ◽  
Data Types ◽  
Self Sufficiency ◽  
Field Practice ◽  
Qualitative Descriptive ◽  
Rice Intensification ◽  
The Government ◽  
Technical Guidance

Perception of Farmers on Special Efforts to Increase Rice, Corn and SoybeanProduction (The Case of SRI Technology in Subak Lungatad,Peguyangan Kangin Village, Denpasar City)The need for food is one of the main aspects for the survival of society. Special Foodfor food self-sufficiency 2015-2017 is the effort of the Ministry of Agriculture tosucceed in self-sufficiency in rice, corn, soybeans in 2017. One of the hopes as the bestsolution for agriculture in Indonesia in increasing production is through a method offarming patterns with the System of Rice Intensification (SRI). The purpose of thisstudy was to find out the perception of farmers on the Upsus Pajale program, especiallySRI technology in Subak Lungatad, Peguyangan Kangin Village, North DenpasarDistrict. The number of samples was 30 farmers. The data were gathered throughquestionnaires using quantitative and qualitative data types. The data that had beenprocessed were further analyzed using qualitative descriptive analysis method.Research results show that the farmers' perceptions of SRI technology: (1) innovationwas in good category with a score of 3.96, (2) social aspects were in good category witha score of 3.61, (3) economic aspects were in good category with a score of 4.09. And(4) the technical/ environmental aspects were also in the good category with a score of3.48.Based on the results of the research and conclusions obtained, the suggestion that can bemade to the government is that they should provide more input on the SRI plantingsystem, both through technical guidance, field practice (making demonstration plots)and mentoring during each planting season, so that the results achieved could berailored to the expectations of all parties. It is also recommended that they should paymore attention to the rice sales system which is currently being sold using a slashsystem, with the calculation using the area (acre), thus making it difficult for farmers toobtain optimal benefits.

scholarly journals Potency of Creative Industry Embroidery and Weaving in West Sumatera in Developing the Common Economy

2020 ◽  
Vol 10 (1) ◽  
pp. 08
Author(s):  
Rose Rahmidani
Keyword(s):  
Qualitative Method ◽  
Survey Methods ◽  
Descriptive Analysis ◽  
Creative Industry ◽  
Business Unit ◽  
Analysis Techniques ◽  
Business Units ◽  
West Sumatra ◽  
Qualitative Descriptive ◽  
The Common

The aims of this research are: 1) to describe the portrait of embroidery and weaving business in absorbing workforce in West Sumatera, 2) Exploring and formulating problems as well as mapping the needs assessment of embroidery/embroidery creative industry and Minangkabau weave. Population in this research is the entire business unit of embroidery and weaving industry in West Sumatera spread in Padang Pariaman, Agam, Tanah Datar, Sawahlunto, Padang, Payakumbuh, Bukittinggi and Pariaman, the sample is 93 business units spread in 8 regencies and cities above. This study uses a qualitative method. Data collection using survey methods, with qualitative descriptive analysis techniques. The results of this research are; 1) Embroidery and weaving business in West Sumatera are able to absorb 2.297 workforce, 2) Problems faced by embroidery and weaving business in West Sumatra can be formulated as follows: 1) Bookkeeping/finance aspect and management, 2) Production aspect, and 3) Marketing aspect

scholarly journals Strategi Humas Badan Narkotika Nasional Jawa Barat dalam Mensosialisasikan Program Rehabilitasi

2021 ◽  
Vol 9 (2) ◽  
pp. 133-141
Author(s):  
Silvia Novianti ◽  
Yusuf Zaenal Abidin ◽  
Khoiruddin Muchtar
Keyword(s):  
Data Collection ◽  
Public Relations ◽  
Survey Methods ◽  
Descriptive Analysis ◽  
Rehabilitation Program ◽  
West Java ◽  
The Public ◽  
Rehabilitation Programs ◽  
Qualitative Descriptive ◽  
Public Relations Strategy

This study aimed to determine the Public Relations strategy of Badan Narkotika Nasional West Java Province in disseminating the rehabilitation program. This study discusses the rehabilitation programs socialization related to data collection, planning and programming, implementation, and evaluation. This study used a qualitative descriptive analysis method and the four-step public relations concept with a qualitative approach and constructivism paradigm. Data collection was carried out through interviews and observations. The results showed that the Public Relations strategy of BNN West Java Province in socializing the rehabilitation program was carried out by searching for data using survey methods, planning and programming by determining objectives, determining targets, determining messages and determining time, selecting implementers, and the use of media used, and evaluating with see success in socializing.

scholarly journals Persons with disabilities’ financial literacy and access to financial services

2021 ◽  
Vol 24 (1) ◽  
pp. 47-64
Author(s):  
Slamet Thohari ◽  
Ulfah Fatmala Rizky
Keyword(s):  
Focus Group ◽  
Financial Literacy ◽  
Financial Planning ◽  
Financial Services ◽  
Survey Methods ◽  
Descriptive Analysis ◽  
Group Discussion ◽  
Financial Service ◽  
Persons With Disabilities ◽  
Qualitative Descriptive

Persons with disabilities often face various obstacles in accessing financial services. This condition is caused by the lack of financial literacy and the inaccessibility of financial service institutions, both in infrastructure and financial system rules. For this reason, this study aims to explore the financial literacy of persons with disabilities and the accessibility of financial service institutions. Using the Focus Group Discussion (FGD) and survey methods, this study presents quantitative and qualitative descriptive analysis on financial literacy and accessibility of persons with disabilities to financial services. FGDs and surveys were conducted in three cities in East Java Province, namely Surabaya, Malang, and Mojokerto. The results show that the financial literacy of persons with disabilities, as indicated by their abilities to make financial planning, is still very low. In addition, infrastructure accessibility and financial service requirements are inaccessible for persons with disabilities, so that they are reluctant to access the financial services.

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