scholarly journals ASSESSING FACTORS AFFECTING the REPAYMENT RATE OF MICROFINANCE INSTITUTIONS: A Case Study of Village Credit Institutions of Gianyar, Bali

2013 ◽  
Vol 8 (2) ◽  
pp. 247 ◽  
Author(s):  
Lincolin Arsyad
Keyword(s):  
Institutional Arrangement ◽  
Informal Institutions ◽  
Microfinance Institutions ◽  
Screening Process ◽  
Factors Affecting ◽  
Village Leader ◽  
Social Custom ◽  
Set Up ◽  
The Village ◽  
Credit Institutions

This paper attempts to assess the influence of several factors on the repayment rate of the Village Credit Institutions (Lembaga Perkreditan Desa or simply LPDs) in Gianyar district in Bali. Using a quantitative approach (logistic model) the findings of this study indicate that the Balinese social custom, including social values, norms, and sanctions (informal institutions) have an influence on sustaining the high repayment rate of the LPDs. This finding conforms to the some previous studies using institutional approach that reveal the high repayment rate of the LPDs in Gianyar district is influenced by their institutional arrangement that based on custom regulation which includes social norms, sanctions, and involvement of custom village leader in screening process and contractual enforcement of loan (informal institutions), by regulations set up by the Central Bank (formal institutions), and by the mechanism of collecting loan repayments applied by the LPDs management.

scholarly journals Research on the Influence of Village Carders on the Standardized Management System of Village-Level Affairs – Based on the Investigation and Analysis of District L, Y City, Shandong Province, China

2021 ◽  
Vol 10 (2) ◽  
pp. 1
Author(s):  
Li-Wei Xing ◽  
Ying Duan
Keyword(s):  
Management System ◽  
Three Dimensional ◽  
Implementation Process ◽  
Institutional Arrangement ◽  
Shandong Province ◽  
The Political ◽  
Policy Recommendations ◽  
Factors Affecting ◽  
Village Level ◽  
The Village

Chinese anti-corruption struggle has achieved phased victory, the national corruption governance center has gradually moved down, and the issue of "micro-corruption" of village cadres has attracted widespread attention from the political, practical and academic circles. The standardized management system of village-level affairs is promoted and implemented nationwide as an institutional arrangement for regulating the power of village cadres and combating corruption. However, in the actual implementation process, there are problems such as passive implementation and even resistance to implementation by village cadres. The study took the L District of Y City, Shandong Province as an example, and found that the village cadres did not implement the corresponding standardized management system. The factors affecting the implementation of the standardized management system of the village cadres were investigated from the three-dimensional perspective of motivation, ability, and pressure, and then reasonable policy recommendations were put forward. Aims to give better play to the effectiveness of standardized systems.

Ticket Income Distribution of Urban Rail Transit in Network Operating Condition

2011 ◽  
Vol 243-249 ◽  
pp. 4375-4380
Author(s):  
Yuan Chun Huang ◽  
Jian Li ◽  
Haize Pan
Keyword(s):  
Income Distribution ◽  
Urban Rail Transit ◽  
Ratio Method ◽  
Rail Transit ◽  
Matching Algorithm ◽  
Factors Affecting ◽  
Urban Rail ◽  
Set Up ◽  
Urban Rail Transit Network ◽  
Factor Matching

Through analyzing the factors affecting passengers’ path-choice, the corresponding principles and rules of the ticket income distribution are put forward and the new model of the Urban Rail Transit Network in Beijing is set up in the paper. Through the deformation of the urban rail transit and the simplification of the lines, the topology of the urban rail transit lines is abstracted into an undirected connection graph. Breadth-priority optimization algorithm is applied to search the effective paths between the OD and the flow-matching ratio is acquired by calculating based on multi-factor matching algorithm, in which many relevant numerical examples are analyzed to verify the feasibility of the dual-ratio method and to summarize the characteristics of the project.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEDALAMAN JANGKAUAN (DEPTH OF OUTREACH) LEMBAGA KEUANGAN MIKRO (LKM) UED-SP DI KECAMATAN RAMBAH KABUPATEN ROKAN HULU

2018 ◽  
Vol 14 (1) ◽  
pp. 77
Author(s):  
Ahmad Rifai ◽  
Siswanto Siswanto ◽  
Eri Sayamar
Keyword(s):  
Secondary Data ◽  
Predictive Ability ◽  
Fixed Effect Model ◽  
Equation Model ◽  
Fixed Effect ◽  
Microfinance Institutions ◽  
Factors Affecting ◽  
Purposive Sampling ◽  
Agriculture Sector ◽  
Pooled Data

<p>Abstract : This study analysis the factors affecting the depth of outreach of<br />Microfinance Institutions (MFIs) of UED-SP at Rambah Sub-district Rokan Hulu<br />District. Factors thought to influence the depth of outreach is age of UED-SP, ROA,<br />percent of trading sector clients, percent of agriculture sector clients and number of<br />woman clients. The sampling method is done using by purposive sampling. This study<br />obtained a sample of twelve UED-SPs in the village at Rambah District from in the<br />period of 2012-2015. The data used is secondary data form pooled data. Data were<br />obtained based on the financial reports of each of the samples. This study uses<br />quantitative approach with analysis technique used is multiple linear regression<br />analysis with fixed effect model of pooled data that were previously tested with the<br />classical assumption test. Hypothesis testing using t-statistic and the F-statistic with<br />95% confidence level. Based on the classic assumption test found no variables that<br />deviate. This shows that the available data has been qualified using the linear<br />regression equation model. The results of this study show that depth of outreach are<br />statistically significant infiuenced by age of UED-SP. However, it’s negatively affect<br />on depth of outhreach. Whereas ROA, number of woman borrower, percent of<br />agriculture sector clients and percent of trading sector clients has no affect on depth of<br />outhreach. Predictive ability of these five variables on the depth of outhreach is 77,66<br />percent, while the 22,34 percent influenced by other factors not included in the<br />research model.</p><p> </p><p>Abstrak : Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhi<br />kedalaman jangkauan (Depth of Outrech) pada LKM UED-SP di Kecamatan Rambah<br />Kabupaten Rokan Hulu. Faktor-faktor yang diduga berpengaruh terhadap kedalaman<br />jangkauan adalah umur UED-SP, rasio pengembalian aset (ROA), jumlah peminjam<br />wanita, proporsi peminjam sektor pertanian dan proporsi peminjam sektor perdagangan. Metode pengambilan sampel dilakukan dengan menggunakan purposive sampling. Dalam penelitian ini diperoleh sampel sebanyak 12 LKM UED-SP di Desa/Kelurahan yang ada di Kecamatan Rambah dan data yang dihimpun adalah 4 tahun dari tahun 2012-2015. Data yang digunakan adalah data sekunder data panel. Data diperoleh berdasarkan laporan keuangan dari masing-masing sampel. Teknik analisis yang digunakan adalah analisis regresi linear berganda data panel dengan model Fixed Effect (FEM) yang sebelumnya diuji dengan uji asumsi klasik. Uji hipotesis menggunakan t-statistik serta F-statistik dengan tingkat kepercayaan 95%. Berdasarkan uji asumsi klasik tidak ditemukan variabel yang menyimpang. Hal ini menunjukkan bahwa data yang tersedia telah memenuhi syarat menggunakan model persamaan linear berganda. Hasil penelitian menunjukkan bahwa variabel umur UEDSP berpengaruh signifikan terhadap kedalaman jangkauan. Namun berpengaruh negatif terhadap kedalaman jangkauan. Kemampuan prediksi kelima variabel tersebut terhadap kedalaman jangkauan adalah 77,66 persen, sedangakan 22,34 persen dipengaruhi oleh faktor lain yang tidak dimasukkan ke dalam model penelitian.</p>

scholarly journals analisis faktor - faktor yang mempengaruhi harga jual kedelai di tingkat petani pada sentral produksi di Kecamatan Peudada Kabupaten Bireuen

2017 ◽  
Vol 2 (2) ◽  
pp. 138-146
Author(s):  
Amirul Fuadi ◽  
Elly Susanti ◽  
Suyanti Kasimin
Keyword(s):  
Distribution Channels ◽  
Production Level ◽  
Selling Price ◽  
Research Model ◽  
Factors Affecting ◽  
Post Harvest ◽  
Research Areas ◽  
Central Production ◽  
The Village

Abstrak : Harga jual merupakan salah satu faktor yang sangat berpengaruh terhadap petani, salah satunya yaitu tingkat pendapatan yang di peroleh oleh para petani, yang selanjutnya akan berpengaruh terhadap motivasi dan produktivitas kerja dari para petani. Saluran pemasaran yang terlalu panjang, dan kebijakan harga yang tidak memihak pada petani mengakibatkan keuntungan yang di peroleh oleh petani sangat sedikit. Tujuan dari penelitian ini adalah untuk mengetahui faktor- faktor yang mempengaruhi harga jual kedelai tingkat petani di Kecamatan Peudada Kabupaten Bireuen. Berdasarkan hal tersebut, penelitian ini dilakukan untuk mengetahui faktor-faktor apa saja yang berpengaruh terhadap harga jual kedelai tingkat petani. Penelitian ini dilakukan di Kecamatan Peudada Kabupaten Bireuen, Lokasi penelitian dipilih secara sengaja (purposive). Ruang lingkup penelitian ini terbatas pada faktor tingkat produksi, kualitas, penanganan pascapanen dan saluran distribusi pemasaran. Populasi dalam penelitian ini sebanyak 30 orang yang diambil dari tiga desa tersebut yaitu desa Cot Kruet, Pinto Rimba, Ara Bungong. Sedangkan besarnya sampel yang digunakan dalam penelitian ini adalah 15% dari total populasi penelitian. Model analisis yang digunakan adalah fungsi linier berganda. Hasil analisis koefisiensi determinasi ( R² ) diperoleh nilai sebesar 0,827 yang berarti bahwa tingkat produksi, kualitas, penanganan pascapanen, dan saluran ditribusi pemasaran mempengaruhi harga jual kedelai sebesar 82,7%, sedangkan sisanya 17,3% dipengaruhi oleh faktor lain. Hasil analisis secara serempak (uji-f) bahwa tingkat produksi, Kualitas, Penanganan pascapanen, dan saluran distribusi pemasaran berpengaruh nyata terhapap harga jual kedelai tingkat petani di Kecamatan Peudada Kabupaten Bireuen. Analisis secara parsial (uji-t) menyatakan bahwa faktor kualitas dan penanganan pascapanen yang berpengaruh nyata terhadap harga jual kedelai tingkat petani.Analysis Factors Affecting The Selling Price Soybean Level Farmer in Central Production in Kecamatan Peudada Kabupaten Bireuen.Abstract : The selling price is one factor that would influence the farmers, one of them is income levels in get the farmers, which later will have an influence to motivation and labor productivity from farmers. Marketing outlets is too long, and policy the price of being impartial the farmers resulting in an advantage in get by farmers very few. The purpose of this study is to find of factors affect the selling price of soybean the farm gate in Kecamatan Peudada Kabupaten bireuen. Based on it, the study is done to find out what factors had an influence on the selling price of soybean farm gate. The study is done in Kecamatan Peudada Kabupaten Bireuen, the research areas was selected deliberately (purposive). Scope this research limited to factors production level, the quality of, post-harvest handling of crops and distribution channels marketing. Population in this study as many as 30 people who is taken from the three the village the village Cot Kruet, Pinto Rimba, Ara Bungong. The amount of sample used in this research was 15 % of the total number of research. Model the analysis used is a function linear multiple.The results of the analysis koefisiensi determination ( R2 ) obtained value of 0,827 which means that production level, the quality, post-harvest handling of crops, and channels ditribusi marketing affect the selling price soybean of 82.7 %, while the rest 17.3 % influenced by other factors. The results of the analysis in unison ( uji-f ) that production level, the quality, post-harvest handling of crops, marketing and distribution channels may had have real impact against the selling price soybean the farm gate in Kecamatan Peudada Kabupaten Bireuen. Analysis in partial ( uji-t ) said that factors the quality and post-harvest handling of crops who had have real impact on the selling price soybean the farm gate.

scholarly journals THE ROLE OF VILLAGE-OWNED ENTERPRISES (BUMDes) TO RURAL DEVELOPMENT: A COMPARATIVE INSTITUTIONAL ANALYSIS

2019 ◽  
Vol 3 (3) ◽  
Author(s):  
I Gede Agus Ariutama ◽  
Acwin Hendra Saputra ◽  
Renny Sukmono
Keyword(s):  
Rural Development ◽  
Small And Medium Enterprises ◽  
Institutional Analysis ◽  
Institutional Arrangement ◽  
Local Economy ◽  
Successful Implementation ◽  
Comparative Institutional Analysis ◽  
Institutional Aspects ◽  
The Village

Government intervention for village development is carried out with various policies. The establishment of BUMDes is one of the government's efforts to accelerate rural development, advance the local economy, and develop the village partnerships and/or third party’s partnerships. This study exploits comparative institutional analysis framework to examine further how institutional aspects can affect the application of BUMDes in the rural development. The institutional aspects of BUMDes utilization for rural development is worth emphasizing since it will be employed as a foundation between the actors in a specific social area (structure) in its various forms such as rules, norms, or a certain routine, and the institution as a form of authority for the social behavior of the village organization. Furthermore, the successful implementation of BUMDes in the rural development is also affected by how stakeholder system can manage the institutional aspects. The result of this study, from the standpoint of comparative institutional analysis, underlines: (1) the limited authority of the Ministry of Villages, Underdeveloped Regions and Transmigration for rural development suggests that this Ministry must establish a specific institutional arrangement with the Ministry of Internal Affairs and Ministry of Cooperatives and Small and Medium Enterprises as well as banking institutions; (2) The village government has not fully taken advantage of the flexibility of its institutional arrangement to use BUMDes as a source of rural development; and (3) there is considerable scope to increase the role of BUMDes. This paper will propose some practical advices while considering the existing institutional arrangement.

scholarly journals Sociocultural and Legal Aspects of Social Activity of Subjects in the Banking Sector

2019 ◽  
Vol 3 (2) ◽  
pp. 159-164
Author(s):  
Марина Козырева ◽  
Marina Kozyreva ◽  
Александр Криони ◽  
Alexander Krioni ◽  
Николай Морозов ◽  
...  
Keyword(s):  
Russian Federation ◽  
Banking Sector ◽  
Social Activity ◽  
Legal Aspects ◽  
Microfinance Institutions ◽  
Legal Standards ◽  
The Social ◽  
The Russian Federation ◽  
High Level ◽  
Credit Institutions

The paper features some sociocultural and legal aspects of social activity executed by various subjects of the credit relations in the Russian Federation. The focus is made on the banking sector. The authors use culturological and activity approaches to legal and illegal actions of credit institutions and demonstrate some specific traits of administrative offenses in this sector. The paper also describes the culture of credit loans, in particular, that of microfinance institutions. The authors believe that this kind of activity is aimed at gaining and can be characterized as immoral. They studied behavioral stereotypes of borrowers and credit institutions to classify the social activities of the credit relations subjects. A high level of social activity of borrowers is directed to satisfaction of physiological requirements and security needs. The social activity of credit institutions is mostly limited by its respect for legal standards and improving the level of culture of loan granting. Hence, if the social activity of credit relations subjects that meets cultural and legal standards, it contributes to the development of national economy.

scholarly journals AKSESIBILITAS INDUSTRI PANGAN SKALA MIKRO KECIL TERHADAP SUMBER PEMBIAYAAN FORMAL DI KABUPATEN BOGOR

2018 ◽  
Vol 5 (1) ◽  
pp. 27
Author(s):  
Lillah Wedelia ◽  
Manuntun Parulian Hutagaol ◽  
Arief Daryanto
Keyword(s):  
Food Industry ◽  
Factors Affecting ◽  
Probit Models ◽  
Micro Enterprises ◽  
Credit Institutions

<em>The food industry is one of the small micro enterprises that have a role as a source of employment and incomes. The development of food industry have some problems, especially the lack of accessibility to formal credit institutions. The objectives of this study are to assess the characteristics of food industry and to identify the factors affecting accessibility food industry using the probit models. Result of the study show that the assets and education are an important factor in accessing credit to formal credit institutions.</em>

Establishment and Operation of Private Land Credit Institutions in Penza Province in the Late 1860s – mid 1880s

2021 ◽  
Vol 17 (4) ◽  
pp. 349-360
Author(s):  
Natalia A. Kisteneva
Keyword(s):  
Agricultural Sector ◽  
Private Landowners ◽  
Private Land ◽  
Credit System ◽  
Economic Activities ◽  
Economic Methods ◽  
Private Credit ◽  
Set Up ◽  
The 19Th Century ◽  
Credit Institutions

Introduction. The abolition of public credit institutions in the first half of the 19th century meant that following after the peasant reform, private landowners were forced to rely entirely on their ability to conduct economic activities, they desperately needed the money demanded for the capitalist modernization of their estates. It was important under such circumstances the appearance in the mid-1860s of private land banks that have granted land collateral loans. Materials and Methods. The study of the claimed problem required the involvement of a number of historical and economic methods: historical, statistical and quantitative. At the same time, the question of the amount of debt owed to private land banks was examined on the basis of a comprehensive analysis of statistical data on land credit published by a committee of congresses of representatives of Russian land credit institutions. Results. The article analyzes the main indicators of the activity of the joint-stock land banks in the first two decades of their operation, considers the characteristics of the establishment and development of the private land credit system, the volume of loans issued, the size of the mortgaged land, the amount of the loans are shown by their regional characteristics. Discussion and Conclusions. Set up in mid-nineteenth century the system of equity land credit, which focuses on the granting of land mortgages by private landowners, has played an important role in the processes of land ownership mobilization and the development of capitalism in the agricultural sector. Private credit institutions were one of the most important components of the land credit system, and the activities of these institutions in the territory of the governorate in question resulted in: that almost a quarter of all privately owned land had been deposited in them.

Analysis of Society Dependance on Natural Resources in Ringinsari Village of Boyolali District

2021 ◽  
Vol 1 (1) ◽  
pp. 45-49
Author(s):  
Budi Sunarso ◽  
Zulviatun Annisa
Keyword(s):  
Data Collection ◽  
Natural Resources ◽  
Representative Sample ◽  
Qualitative Method ◽  
Local Community ◽  
Secondary Data ◽  
Primary Data ◽  
Factory Workers ◽  
Set Up ◽  
The Village

This study aims to determine the dependence of society on natural resources in Ringinsari village, Boyolali district. To obtain a representative sample there, the qualitative method was carried out by conducting interviews with locals related to the topic of writing. Primary data collection is obtained by means of observation, namely question and answer sessions with the local community. Secondary data is obtained from agencies related to the issue. The data were analyzed by dividing into an analysis of the village environment, an analysis of the lifestyle of the locals, and an analysis of the population's dependence on nature or natural resources. The results showed that the Ringinsari village, Boyolali district is the largest village in one sub-district and has the largest population, namely 66 Family Cards (KK). Most of the locals work as factory workers, farmers and some have set up their own businesses, such as opening basic food stalls. Society is still very dependent on nature because some locals own livestock and manage plantations.

Sign in / Sign up

Export Citation Format

Share Document