scholarly journals Nexus between Information and Communication Technology, Financial Intermediation, and Household Investment: A Review

2017 ◽  
Vol 03 ◽  
pp. 16
Author(s):  
Richard M Kiai ◽  
Keyword(s):  
Information And Communication Technology ◽  
Financial Institutions ◽  
Communication Technology ◽  
Financial Services ◽  
Financial Intermediation ◽  
Financial Inclusion ◽  
Financial Intermediaries ◽  
The Poor ◽  
Information And Communication ◽  
The Government

Financial inclusion has been recognized as a poverty reduction tool, and many economies have taken it up as a national agenda. To achieve the expected levels of financial inclusion, governments have worked with financial intermediaries to reach the expected target group, the unbanked poor. As per the financial intermediation theory, the role of financial intermediaries is to minimize the information asymmetry in the financial system. To enhance financial inclusion, many countries and financial institutions have embraced information and communication technology (ICT). ICT has been recognized as a tool that has worked greatly toward enhancing sharing of information at a low cost and that has thus helped in improving financial inclusion. Though many countries have achieved high levels of financial inclusion through ICT, the levels of poverty have not declined. It was thus important to establish the relationship between ICT, financial intermediation, and household investment. This study methodology was a review of the literature on financial inclusion, financial intermediation, ICT, and household investment. From this study, it was noted that ICT is helping in financial intermediation and thus more people can access financial services. Unfortunately, the levels of ICT capability among the poor are low, and in that case, the poor are not able to utilize financial services offered through ICT platforms to undertake household investment. This is the reason as to why, despite the high levels of financial inclusion, the poor still remain poor. This study recommends that the government should ensure that the levels of ICT among the populace are high. Financial institutions on the other hand should provide financial services with more user-friendly platforms.

scholarly journals Pemanfaatan Teknologi Informasi dan Komunikasi Dalam Mengakses Kredit Bagi Petani

2020 ◽  
pp. 125-142
Author(s):  
Laras Sirly Safitri
Keyword(s):  
Interest Rates ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
Agricultural Sector ◽  
Formal Institutions ◽  
Government Financing ◽  
Credit Programs ◽  
Information And Communication ◽  
Cultivation Technology ◽  
The Government

Pemanfaatan Teknologi Informasi dan Komunikasi (TIK) bagi petani dalam mengakses kredit masih rendah. Hal ini ditunjukkan oleh rendahnya aksesibilitas petani terhadap program-program kredit. Informasi-informasi yang berkenaan program pembiayaan/kredit dari pemerintah belum diperoleh petani secara merata. Bahkan, seringkali informasi tersebut tidak diperoleh sama sekali. Di samping itu, petani masih beranggapan bahwa program-program kredit yang ditawarkan oleh lembaga formal memiliki prosedur yang panjang, sulit dan berbelit-belit. Oleh karena itu, seringkali petani pada akhirnya memilih untuk memperoleh modal dari kredit yang ditawarkan oleh lembaga nonformal, meskipun dengan bunga yang tinggi. Teknologi Informasi dan Komunikasi (TIK) dapat menjadi solusi untuk meningkatkan akses petani terhadap program pembiayaan/kredit dari pemerintah. Hal ini juga perlu diupayakan oleh pemerintah sebagai peningkatan pelayanan publik bagi petani (e-Government). Dengan memanfaatkan Teknologi Informasi dan Komunikasi (TIK), diharapkan dapat membuka akses petani terhadap berbagai informasi terkait program kredit dari pemerintah serta dapat pula membantu petani untuk memperpendek prosedur yang harus dilalui dalam memperoleh kredit. Selama ini pemanfaatan Teknologi Informasi dan Komunikasi (TIK) pada sektor pertanian, sebagian besar masih terfokus pada informasi seputar teknologi budidaya dan pemasaran hasil pertanian. Sehingga diperlukan perhatian khusus dari pemerintah untuk memberikan layanan dan informasi terkait kredit bagi petani.   Utilization of Information and communication Technology (ICT) for farmers in accessing credit is still low. This is addressed by the low accessibility of farmers to funding / credit programs from the government that has not been obtained evenly. In fact, often the information is not obtained at all. Besides that, farmers still think that credit programs offered by formal institutions have a long, difficult, and complicated procedure. Therefore, often farmers ultimately choose to obtain capital and credit offered by non-formal institutions, even with high interest rates. Information and communication technology (ICT) can be a solution to improve farmers' access to government financing or credit programs. It also needs to be pursued by the government as an increase in public services for farmers (e-government). By utilizing information and communication technology (ICT), farmers are expected to be able to open access to various information related to credit programs from the government and can also help farmers to shorten the procedures that must be passed in obtaining credit. During this time the use of information and communication technology (ICT) in the agricultural sector is still largely focused on information about cultivation technology and marketing of agricultural products so that special attention is needed from the Government to provide services and information related to credit for farmers.

scholarly journals FINANCIAL INCLUSION AND POVERTY ALLEVIATION AMONG SMALLHOLDER FARMERS IN ZIMBABWE

2020 ◽  
Vol 8 (3) ◽  
pp. 168-182
Author(s):  
David Mhlanga ◽  
◽  
Steven Henry Dunga ◽  
Tankiso Moloi ◽  
◽  
...  
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Poverty Reduction ◽  
Smallholder Farmers ◽  
Financial Education ◽  
Financial Inclusion ◽  
Strong Impact ◽  
Development Goals ◽  
The Government ◽  
The Impact

The study sought to investigate the impact of financial inclusion on poverty reduction in Zimbabwe among the smallholder farmers. It is alleged that financial inclusion can help in achieving seven of the seventeen sustainable development goals (SDGs), which include poverty eradication in all its forms everywhere, ending hunger, achieving food security, ensuring improved nutrition as well as promoting sustainable agriculture and many others. Using the simple regression method, the study discovered that financial inclusion has a strong impact on poverty reduction among smallholder farmers. The study went on to discover that, for the government to tackle poverty especially among the smallholder farmers, it is important to ensure that farmers do participate in the financial sector through saving, borrowing and taking out insurance among other services. So, it is important for the government of Zimbabwe to fully implement policies that encourage financial inclusion such as making sure that farmers find it easy to access financial institutions and encouraging financial institutions to review transaction costs like bank account opening charges periodically, implementing financial education programs among the farmers because these variables are important in influencing farmers to participate or preventing them from using financial services.

scholarly journals Can Digitalization Help Deter Corruption in Africa?

2020 ◽  
Vol 20 (68) ◽  
Author(s):  
Rasmané Ouedraogo ◽  
Amadou Sy
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Negative Impact ◽  
Local Level ◽  
Individual Level ◽  
Level Data ◽  
Information And Communication ◽  
The Government ◽  
Submarine Cables ◽  
Use Of Internet

This paper studies the effect of digitalization on the perception of corruption and trust in tax officials in Africa. Using individual-level data from Afrobarometer surveys and several indices of digitalization, we find that an increase in digital adoption is associated with a reduction in the perception of corruption and an increase in trust in tax officials. Exploiting the exogeneous deployment of submarine cables at the local level, the paper provides evidence of a negative impact of the use of Internet on the perception of corruption. Yet, the paper shows that the dampening effect of digitalization on corruption is hindered in countries where the government has a pattern of intentionally shutting down the Internet, while countries that successfully promote information and communication technology (ICT) enjoy a more amplified effect.

Collective action among rural poor

2019 ◽  
Vol 37 (1) ◽  
pp. 20-43
Author(s):  
George Okello Candiya Bongomin ◽  
John C. Munene ◽  
Joseph Mpeera Ntayi ◽  
Charles Akol Malinga
Keyword(s):  
Collective Action ◽  
Financial Institutions ◽  
Financial Intermediation ◽  
Financial Inclusion ◽  
Content Type ◽  
Mediating Role ◽  
The Poor ◽  
Bootstrap Approach ◽  
The Relationship

PurposeThe purpose of this paper is to establish the mediating role of collective action in the relationship between financial intermediation and financial inclusion of the poor in rural Uganda.Design/methodology/approachThe paper uses structural equation modeling (SEM) through bootstrap approach constructed using analysis of moment structures to test for the mediating role of collective action in the relationship between financial intermediation and financial inclusion of the poor in rural Uganda. Besides, the paper adopts Baron and Kenny’s (1986) approach to establish whether conditions for mediation by collective action exist.FindingsThe results revealed that collective action significantly mediates the relationship between financial intermediation and financial inclusion of the poor in rural Uganda. The findings further indicated that the mediated model had better model fit indices than the non-mediated model under SEM bootstrap. Furthermore, the results showed that both collective action and financial intermediation have significant and direct impacts on financial inclusion of the poor in rural Uganda. Therefore, the findings suggest that the presence of collective action boost financial intermediation for improved financial inclusion of the poor in rural Uganda.Research limitations/implicationsThe study used quantitative data collected through cross-sectional research design. Further studies through the use of interviews could be adopted in future. Methodologically, the study adopted use of SEM bootstrap approach to establish the mediating effect of collective action. However, it ignored the Sobel’s test and MedGraph methods. Future studies could adopt the use of alternative methods of Sobel’s test and MedGraph. Additionally, the study focused only on semi-formal financial institutions. Hence, further studies may consider the use of data collected from formal and informal institutions.Practical implicationsPolicy makers and managers of financial institutions should consider the role of collective action in promoting economic development, especially in developing countries. They should create structures and design financial services and products that promote collective action among the poor in rural Uganda.Originality/valueAlthough several scholars have articulated financial inclusion based on both the supply and demand side factors, this is the first study to test the mediating role of collective action in the relationship between financial intermediation and financial inclusion of the poor in rural Uganda using SEM bootstrap approach. Theoretically, the study combines the role of collective action with financial intermediation to promote financial inclusion. Financial intermediation theory ignores the role played by collective action in the intermediation process between the surplus and deficit units.

scholarly journals IPTEKS E-FILING TERHADAP WAJIB PAJAK PADA KPP PRATAMA MANADO

2018 ◽  
Vol 2 (02) ◽  
Author(s):  
Mutiara Deivana Rorimpandey ◽  
Robert Lambey
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Reporting System ◽  
The Public ◽  
Filing System ◽  
Information And Communication ◽  
The Government ◽  
The Times ◽  
Tax Reporting

KPP Pratama Manado is a place provided by the government for the public or taxpayer in carrying out their obligations to report on each asset or wealth or income they have. Along with the times in the advancement of information and communication technology, KPP Pratama Manado provides convenience for taxpayer in reporting SPT (Surat Pemberitahuan Tahunan) by providing e-Filing. The e-Filing system is an online tax reporting system that has been provided by the government for taxpayer. However, the lack of knowledge of taxpayer on e-Filing system affects taxpayer still reporting annual SPTs manually. KPP Pratama Manado should further improve the grade and quality of e-Filing system so that they can be used more optimally by taxpayer.Keywords: SPT, e-Filing, taxpayer

scholarly journals Penerapan Mobile Government Pada Monitoring Aktigitas Aparatur Sipil Negara Di Dinas Komunikasi dan Informatika Kabupaten Bandung Barat

2019 ◽  
Vol 2 (2) ◽  
pp. 117
Author(s):  
Asep Id Hadiana ◽  
Faiza Renaldi
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Mobile Technology ◽  
Employee Performance ◽  
The State ◽  
Government Bureaucracy ◽  
Information And Communication ◽  
The Government ◽  
Regional Work ◽  
Employee Data

The development of mobile and mobile technology has given the Government the opportunity to utilize Mobile Information and Communication Technology (M-ICT) to help facilitate daily administration and to provide better services to citizens, businesses and government institutions through the use of mobile technology. The number of cellular telephone users in Indonesia continues to grow and now it has reached 50.6 million customers. Therefore, the application of m-Government in Indonesia is an interesting material to be studied. There are many forms of services that can be provided by m-Government, one of which is service in government offices for stakeholders of the state civil apparatus. This research takes place in the Office of Communication and Information (Diskominfo), which is one part of the Regional Work Unit (SKPD) in West Bandung Regency, and focuses on the existence of monitoring activities of the State Civil Apparatus (ASN) in the SKPD. ASN always plays an important role in the daily activities of the government bureaucracy, therefore it is necessary to manage employee data in order to achieve quality assurance on employee performance. Diskominfo West Bandung Regency has a number of employees of approximately 150 employees spread in 3 fields. The use of M-Government technology is believed to be able to provide a necessity to resolve the challenges that must be overcome, one of which is the external office / city monitoring of the ASN Diskominfo. This research will build a m-Government application in Diskominfo, West Bandung Regency to monitor the activities of the state civil apparatus (ASN), which uses smart cellphones based on Android as its media.

scholarly journals Information And Communication Technology (ICT) Utilization In Technical-Vocational Schools In Region V: Basis For Five-Year ICT Development Plan

2015 ◽  
Vol 2 ◽  
pp. 61-69
Author(s):  
Prolucen C. Velarde ◽  
Richie C. Velarde ◽  
Cheryll V. Bermudo ◽  
Relly C. Velarde
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Development Plan ◽  
Vocational Schools ◽  
Validity And Reliability ◽  
Information And Communication ◽  
Ict Tools ◽  
Ict Development ◽  
The Government ◽  
Teaching Learning

The study was conducted focused on the utilization of Information and Communication Technology in Technical-Vocational Schools in Region V, Philippines, School Year 2011-2012. It determined the profile of teachers, adequacy of ICT equipment, competence of teachers and their relationships. The data were gathered through a questionnaire-checklist formulated by the researcher. The validity and reliability of the instrument were ensured. Findings revealed that the majority of the teachers are 26 years old and above. Three-fourths of them have attended a very minimal number (1-3 times) of ICT – related training. Eighty-four percent of the teachers have master’s degrees; fifty percent of them have served the government for more than 10 years; fifty-eight percent were occupying Teacher I position; twelve percentage designated to different administrative functions. There is fairly adequate ICT tools and equipment and the teachers are competent in working with word processors only. Furthermore, the age of teachers and the competences is significantly related to using ICT tools and equipment. The researcher concluded that there is a dearth of ICT-related training for teachers of all age levels and ICT tools and equipment should be procured to sustain the development of competence among teachers. It is recommended therefore to implement the proposed ICT development plan and the conduct of further research on the extent of utilization of ICT tools and equipment along the actual teaching-learning process.

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