scholarly journals THE ROLE OF FINANCIAL SERVICES AUTHORITY IN THE CONSUMER PROTECTION AMID THE GROWTH OF FINTECH INDUSTRY IN INDONESIA

2019 ◽  
Vol 31 (2) ◽  
pp. 297 ◽  
Author(s):  
Johanes Widijantoro
Keyword(s):  
Consumer Protection ◽  
Financial Literacy ◽  
Financial Services ◽  
The Body ◽  
Financial Inclusion ◽  
The Other ◽  
Other Hand ◽  
Financial Technology

The growth of the financial technology (fintech) industry is a necessity as an effort to make financial services more practical and efficient. On the other hand, consumers of financial services are still low in financial literacy levels, especially in considering various risks that can occur in dealing with the fintech industry. Indonesian Financial Services Authority (OJK) is the body responsible for carrying out the protection of consumers of financial services. This article describes how legal matters in the fintech business, which are actually useful and can encourage financial inclusion, but on the other hand have the potential to harm consumers if they are not properly regulated. Existing related OJK Regulations would be examined and what things should be regulated by the OJK so that consumers of financial services are protected amid the development of fintech, will also be elaborated in this article. This article respectively describes the rationality of consumer protection in the financial services, the dynamics of fintech growth and its problems, and an analysis of the role of OJK in the era of fintech industry.

scholarly journals Financial Technology (Fin-Tech): Revolutionizing the Indian Agrarian Sector

2020 ◽  
Vol 8 (12s3) ◽  
pp. 1-8
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Risk Sharing ◽  
Financial Inclusion ◽  
Indian Government ◽  
Agricultural Finance ◽  
Agricultural Growth ◽  
Two Factors ◽  
Financial Technology

Agriculture is the largest employer of India which constitutes 50% of its workforce and also a contributor to 17-18% in its GDP. Still, it is one of the most disorganized and disjointed sector.Somewhere this sector has not been given due attention and itcan be proven with the fact that the GDP contribution of this sector has fallen from 43% to 18% (1970- 2018).Though the Indian Government is digitally driving to provide financial inclusion to more than 145 million households that are not having access to banking services but still the farmers aremajorlyusing traditional credit for their basic and main two factors; Production & Consumption (Distribution). The financial segment has an important role to make agriculture aprime contributorto the economic growth of the country and also in reducing poverty. A fast-evolving technological landscape is bringing up new potential to focus&provide credit, risk-sharing, and to explore technology to enhance agricultural productivity. Our paper firstly examines agricultural finance in the Indian context and then discusses how financial technology (Fin-Tech) can drive new products in credit and risk markets in India. We evaluate the role of mobile banking, financial literacy, digital financial services, digital financial technology, and block-chain technology. The paper is concluded with a discussion of policy takeaways for Fin-Tech in agriculture to promote agricultural growth, enhance financial inclusion, and improve regional economic integration through agriculture.

Crimes against the body: causing harm

2017 ◽  
Author(s):  
Alannah Tomkins
Keyword(s):  
Violent Crime ◽  
Expert Witness ◽  
The Body ◽  
The Other ◽  
Medical Practitioners ◽  
The Public ◽  
Other Hand ◽  
Lay Public

Medical practitioners who were accused of committing violent crime against the bodies of people other than patients presented both the profession and the public with a problem. Both professional bodies and the lay public desired doctors to be social heroes, inhabiting the role of expert witness and protecting the body rather than appearing as a defendant. This study of practitioners accused of either rape or murder finds the limits of medical competition, as men accused of rape were likely to be acquitted to courtroom applause. Medical murderers, on the other hand, offered the profession viable scapegoats to reinforce the impression that the medical fraternity was willing to admit to limited instances of wrong-doing.

scholarly journals Peran Komunitas Dalam Meningkatkan Literasi Dan Inklusi Keuangan Syariah

2020 ◽  
Vol 17 (1) ◽  
pp. 130-150
Author(s):  
Galih Tegar Febrianto ◽  
Faza Ghulam Ahmad ◽  
Imamul Arifin
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Participatory Culture ◽  
Financial Inclusion ◽  
The Other ◽  
National Strategy ◽  
The Public ◽  
Financial Products ◽  
Other Hand

Financial literacy and inclusion is a degree that shows how the public has understood and used financial products optimally. The reality shows that the level of literacy and financial inclusion in Indonesia is still at 38%. That means only 38 people out of 100 people can know and understand financial products well. On the other hand, the community has been known as a forum that unites communal Indonesians. Here the community is become a mediator and accelerates the increase in financial literacy and inclusion. Potential owned by the community at least include (1) helping to sustain the National Strategy on Financial Literacy in Indonesia; (2) mediators for the development of Islamic financial literacy and inclusion through social capital; and (3) open cooperation with participatory culture

scholarly journals Mitochondria, pattern recognition receptors and autophagy under physiological and pathological conditions, including viral infections

2021 ◽  
Author(s):  
Paulina Niedźwiedzka-Rystwej ◽  
Dominika Bębnowska ◽  
Roman Kołacz ◽  
Wiesław Deptuła
Keyword(s):  
Pattern Recognition ◽  
Viral Infections ◽  
Apoptotic Cell ◽  
Pattern Recognition Receptors ◽  
The Body ◽  
The Other ◽  
Cellular Processes ◽  
Pathological Conditions ◽  
Other Hand

Research on the health of mammals invariably shows how dynamic immunology is and how the role of many elements and immune processes of the macroorganism, developed in the process of evolution in protecting against threats, including infections, is changing. Among these elements conditioning the homeostasis of the macroorganism are mitochondria, PRR receptors (pattern recognition receptors) and the phenomenon of autophagy. In the context of physiological and pathological states in the body, mitochondria perform various functions. The primary function of these organelles is to produce energy in the cell, but on the other hand, they are heavily involved in various cellular processes, including ROS production and calcium homeostasis. They are largely involved in the activation of immune mechanisms during infectious and non-infectious conditions through mtDNA and the mitochondrial MAVS protein. Mitochondrial involvement has been also determined in PRR-related mechanisms as mtDNA has the ability to directly stimulate TLRs. On the other hand, mitochondria are also associated with apoptotic cell death and autophagy.

scholarly journals The Effect of Financial Literacy and Financial Technology on Student Financial Inclusion of Institute of Social Sciences and Management Stiami Jakarta Bekasi Campus

2020 ◽  
Vol 2 (1) ◽  
pp. 16-27
Author(s):  
Ismi Amalia Romadhon ◽  
Heksawan Rahmadi
Keyword(s):  
Social Sciences ◽  
Financial Literacy ◽  
Financial Services ◽  
Hypothesis Test ◽  
Linear Regression Analysis ◽  
Simple Random Sampling ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
Test Reliability ◽  
Financial Technology

Financial inclusion is a situation where everyone has access to quality financial services at an affordable cost and a fun way. This research aims to find out the influence of literacy on financial inclusion, to know the influence of financial technolgy on financial inclusion on students of Institute of Social Sciences and Management STIAMI Jakarta Bekasi Campus. The population of this study was a student employee of STIAMI Institute of Social Sciences and Management Jakarta Bekasi Campus and was assigned a sample of 47 respondents, with the method of Simple Random Sampling. The study used questionnaire data collection techniques. Technical analysis of the data used is validity test, reliability, classic assumption, multiple linear, Correlation Coefficient, determination coefficient and hypothesis test. The results of the study based on the t test analysis showed that the financial literacy variable (X1) with a calculated t value of 0.607 > t table 2.01537 or signification 0.547 > 0.05 and variable financial technology (X2) with a calculated value of 3.895 > t table 2.01537 or signification of 0.000 < 0.05, it is said that only financial technology variables (X2) have a significant effect on financial inclusion variables (Y). While the F test results show that independent variables (price and product quality) have a simultaneous influence on dependent variables (purchasing decisions) with a value of F count 10,476 > F table 3.20 or signification of 0.000 < 0.05.. so Ho was rejected and Ha accepted. Based on multiple linear regression analysis the model or equation is Y = 64,392 + 0.095 (X1) + 1,140 (X2).

PERAN MODAL SOSIAL SEBAGAI MEDIATOR LITERASI KEUANGAN DAN INKLUSI KEUANGAN PADA USIA PRODUKTIF DI KABUPATEN GUNUNGKIDUL

2020 ◽  
Vol 15 (1) ◽  
pp. 27
Author(s):  
Elizabeth Fiesta Clara SB ◽  
Astrie Krisnawati
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Poverty Alleviation ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
The Other ◽  
Probability Sampling ◽  
The Relationship ◽  
Determinant Factor

ABSTRACT Financial inclusion is proven to decrease poverty and social gap if it is done maximally. Gunungkidul regency as one of all regency with the poorest population in Daerah Istimewa Yogyakarta. The determinant factor in successful financial inclusion is financial literacy toward the population themselves. Furthermore, the other factor to accelerate poverty alleviation is the role of the productive population.This research aims to discover the role of social capital as the financial literacy and financial inclusion mediator of Gunungkidul’s Regency productive population. With social capital is expected to be a mediator in improving literacy and inclusion finance.The population in this research is 729.364 productive ages of Gunungkidul’s Regency population and the sample was taken by non-probability sampling technique which produced 424 samples. This study adopted Sobel test also Kenny and Baron method to examine the effect of mediaton of social capital in the relationship between financial literasion and financial inclusion. The result of this study found that social capital proved to partially mediate the association beteen financial literacy and financial inclusion of productivity age in Gunungkidul Regency. Keywords: Poverty, Financial Literacy, Financial Inclusion, Social Capital, Partially Mediation, Gunungkidul Regency. ABSTRAK Gunungkidul termasuk Kabupaten dengan jumlah warga miskin Yogyakarta. Inklusi keuangan dipercaya dapat menurukan kemiskinan apabila dilakukan secara maksmial serta dapat mengurangi kesenjangan sosial. Salah satu faktor penentu keberhasilan inklusi keuangan adalah adanya literasi keuangan pada masyarakat itu sendiri, faktor lain yang dapat mempercepat pengentasan kemiskinan adalah peran masyarakat produktif. Penelitian ini bertujuan untuk mengetahui peran modal sosial sebagai mediator literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul yang diharapkan dapat meningkatkan literasi keuangan dan inklusi keuangan itu sendiri. Populasi penelitian ini adalah masyarakat Kabupaten Gunungkidul berusia produktif sebesar 729.364 jiwa. Pengambilan sampel dengan teknik non-probability sampling menghasilkan sampel sejumlah 424 jiwa. Penelitian mengadopsi dan menggunakan tes Sobel serta metode Baron dan Kenny dalam pengujian pengaruh mediasi modal sosial pada hubungan literasi keuangan dan inklusi keuangan. Hasil penelitian menemukan bahwa modal sosial terbukti secara parsial memediasi hubungan antara literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul. Kata kunci: Usia Produktif, Literasi Keuangan, Inklusi Keuangan, Modal Sosial, Kabupaten Gunungkidul.

scholarly journals (The Role of Financial Inclusion in Providing Protection to Beneficiaries of Financial Services in the Palestinian Banking Sector (2013/2017: دور الشمول المالي في توفير الحماية للمستفيدين من الخدمات المالية في القطاع المصرفي الفلسطيني- الفترة (2013- 2017)

2019 ◽  
Vol 3 (6) ◽  
Author(s):  
Yasser Ahmed Shaheen
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Financial Stability ◽  
Banking Sector ◽  
Secondary Data ◽  
Financial Education ◽  
Financial Inclusion ◽  
Banking Services ◽  
Degree Of Protection

  The study aimed at examining some of the indicators of financial inclusion in the Palestinian banking sector through published secondary data on the Palestinian banking sector during the period (2013- 2017), as well as to measure the degree of protection for beneficiaries of financial services in the Palestinian banking sector. The researcher used the descriptive analytical method to suit the purposes of the study. The secondary data published and prepared by the researcher were used to examine the state of financial coverage in the banking sector. A questionnaire has been designed for the purpose of collecting preliminary data regarding the level of protection provided by the banking sector to users of financial banking services through 8 areas of protection developed after reference to literature and previous studies. The study population consisted of all the beneficiaries of banking financial services in the West Bank. In view of the large size of the study society, a soft sample of (100) conditional on the characteristics of the respondents was used in terms of (banking culture, years of experience in dealing with banks, Sectoral& banking diversification).The researcher reached the following results: - The Palestinian banking sector promotes the reality of financial inclusion, which contributes significantly to enhancing financial stability. Where banks are strengthening protection for users of banking services, although the level of protection was average (2.78) overall score through the eight areas covered by the study. - The regulatory and supervisory role of the Palestinian Monetary Authority in this important sector was medium. Consumer protection bodies are required to have an active and proactive role to organize the required protection. The researcher recommended the importance of financial education to improve the financial personality of individuals and institutions, help them understand their rights and duties in dealing with the services discharged, the importance of the consumer protection associations roles in enhancing banking protection.    

scholarly journals THE ROLE OF HYPOXIA IN THE DEVELOPMENT OF SOME PATHOLOGICAL CONDITIONS AND MALIGNANT TUMORS

2021 ◽  
Vol 67 (2) ◽  
pp. 53-66
Author(s):  
N.O. Bogdanova ◽  
◽  
N.H. Pogorela ◽  
E.A. Lukyanetz ◽  
◽  
...  
Keyword(s):  
Oxygen Tension ◽  
Malignant Tumors ◽  
The Body ◽  
The Other ◽  
Internal Factors ◽  
Pathological Conditions ◽  
Other Hand ◽  
Physiological Value

Hypoxia, which could be defined as the level of oxygen tension in the body that is below the normal physiological value, is a process that is often observed in several diseases and occurs in most malignant tumors. On the other hand, in hypoxia several pathological conditions could occur, which could be caused by external and internal factors. During carcinogenesis, hypoxia may promote metastasis and an unfavorable prognosis. When infected with COVID-19, there is a «silent hypoxia», which could asymptomatically destroy the body. The review is devoted to hypoxia’s role in the development of some pathological conditions and malignant tumors.

scholarly journals Zasady ogólne dotyczące praktyk pokutnych na podstawie Libri poenitentiales

Vox Patrum ◽  
2018 ◽  
Vol 67 ◽  
pp. 225-240
Author(s):  
Michał Kieling
Keyword(s):  
Internal Conversion ◽  
Spiritual Health ◽  
The Body ◽  
The Other ◽  
Way Of Life ◽  
The Third ◽  
Other Hand ◽  
Spiritual Therapy

The article discusses the most important premises which deal with Christian penance from the VI to the XI century. The main sources for the above article are the Penitential Books (Libri Poenitentiales), published as part of the series of Źródła Myśli Teologicznej (ŻMT 58), collected and edited by A. Baron and H. Pietras in 2011. The article consists of three parts. The first part examines the meaning of penance in the life of Christians as a medicine for sin which is an illness of the soul and the body. The second part presents the teaching of peniten­tials on the twelve ways of absolving from sins. The third part provides practical suggestions for confessors and penitents. The Penitential Books, as a witness to the development of penitential practices, confirm the role of individual spiritual therapy in the life of the Christian. This process of regaining of one’s spiritual health takes place, on one hand, through the grace of God’s Mercy, and, on the other hand, through penitential practices whose aim was internal conversion and outward change in one’s way of life.

Banking or Under-banking: Spatial Role of Financial Inclusion and Exclusion

2021 ◽  
pp. 097300522110371
Author(s):  
Rajat Singh Yadav ◽  
Kalluru Siva Reddy
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Social Inclusion ◽  
Probit Model ◽  
Financial Inclusion ◽  
Spatial Density ◽  
Bank Account ◽  
Banking Services ◽  
Economic Agents

Access to bank account is only a part of the problem when we talk of financial inclusion because several people with a bank account are not necessarily using them to deposit their savings or carry out transactions. This article makes an attempt to examine the reasons for low utilisation of banking facilities. It employs financial inclusion insights (FII) data for Indian population to find out an outcome of financial inclusion (and thus social inclusion as well) based on the usage of banking services with covariates like financial literacy, the probability that any financial service is accessible to the respondent in terms distance, type of mobile phone and spatial density. We use truncated probit model to measure the incidence of under-banking. Our findings show that there is a negative association between supply-side constraints and usage of banking services, implying that low access to financial services in time and space stands as a hindrance to financial inclusion. Further, we find from the financial inclusion and exclusion map at the district level that even though economic agents intend to participate in the space in which he/she is living is not much inclusive.

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