scholarly journals Islamisation of Microfinance program in The Gambia

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Saikou Gassama
Keyword(s):  
Interest Rate ◽  
Foreign Aid ◽  
Human Development ◽  
Human Development Index ◽  
The Gambia ◽  
Microfinance Institutions ◽  
For Profit ◽  
Rural And Urban ◽  
Islamic Microfinance ◽  
The Government

The Gambia is a 95 percent Muslim that is located in the western part of Africa. The population of the country is just around 2.5 m. The Gambia is largely dependent on Agriculture, tax and foreign aid and is ranked 178, in the Human Development Index 2019, the Gambia is classified as a country with medium human development. Currently there are various microfinance program that has been existing for years, but none of them are having Islamic microfinance loan products, as a result some did not take their loans and even those who take it is hard to change their lives, because it is purely for profit making and also the higher interest rate. Islamic Microfinance would be the best kind of development instrument for the population of Gambia. The microfinance institutions in the Gambia are very well expanded, they are the main source of credit to the Gambian population both rural and urban. Therefore it will be very important if microfinance institutions in the Gambia can introduce Islamic microfinance. The objective of this paper is to suggest ways to Islamize microfinance in The Gambia and the benefits Islamic microfinance. It is anticipated that the outcome of this paper would complement efforts by the government and NGO in the fight to eradicate poverty in the Gambia.

scholarly journals The Need for Introduction of Sharia Microfinance Program in the Gambia

2021 ◽  
Vol 1 (3) ◽  
pp. 153-164
Author(s):  
Saikou Gassama ◽  
Hamidah ◽  
Erina Sudaryati
Keyword(s):  
Interest Rate ◽  
Foreign Aid ◽  
Human Development ◽  
The Gambia ◽  
Muslim Country ◽  
Microfinance Institutions ◽  
For Profit ◽  
Study Find ◽  
Rural And Urban ◽  
Islamic Microfinance

The Gambia is a 95 percent Muslim country that is located in the western part of Africa. The population of the country is around 2.5 m. The Gambia is largely dependent on Agriculture, tax, tourism, and foreign aid and is ranked 178, in the Human Development Index 2019, the Gambia is classified as a country with medium human development. The paper used the literature review method. Currently, there is various microfinance program that has been existing for years, but none of them are having Islamic microfinance loan products until recently when two are lunched, as a result, some did not take their loans and even those who take it is hard to change their lives because it is purely for profit-making and also the higher interest rate for some of them. Islamic Microfinance would be the best development instrument for the population of Gambia. The microfinance institutions in The Gambia are very well expanded, they are the main source of credit to the Gambian population both rural and urban. Therefore it will be very important if microfinance institutions in the Gambia can introduce sharia microfinance. The objective of this paper is to suggest ways to introduce sharia microfinance in The Gambia and the benefits of sharia microfinance. The results of this study find out that Islamic microfinance is a viable loan product that can work in the Gambia, there are various kinds of Islamic microfinance products that can work for the poor in the Gambia, such as farmers, gardeners, and market vendors or SMEs. And Islamic microfinance could be the best way of eradicating poverty in the Gambia, since it is not based on the predetermined interest rate and have various suitable loan schemes, if well implemented can change lives.

Capaian pembangunan manusia: analisis komparatif Provinsi Banten, Jawa Barat dan DKI Jakarta

2018 ◽  
Vol 13 (1) ◽  
Author(s):  
Adriwati Adriwati
Keyword(s):  
Human Development ◽  
Human Development Index ◽  
Human Population ◽  
Provincial Government ◽  
Healthy Life ◽  
Development Index ◽  
Long Life ◽  
The Difference ◽  
The Government ◽  
Development Paradigm

Human development is a development paradigm that puts human (population) as the focus and final target of all development activities, namely the achievement of control over resources (income to achieve decent living), improvement of health status (long life and healthy life) and improve education. To see the success rate of human development, UNDP publishes an indicator of Human Development Index (HDI). This study discusses the achievements of human development that have been pursued by the government. The problem analyzed in this research is the difference of human development achievement in some provincial government in Indonesia. This paper aims to compare the achievements of human development in some provincial governments seen from the achievement of human development index of each province. Research location in Banten Province, West Java and DKI Jakarta.Keywords:Human Development Index, Human Development Achievement

Developmental Impacts of Remittances on Migrant-Sending Households: Micro-Level Evidence from Punjab, Pakistan

2019 ◽  
Vol 14 (3) ◽  
pp. 338-366
Author(s):  
Kashif Imran ◽  
Evelyn S. Devadason ◽  
Cheong Kee Cheok
Keyword(s):  
Human Development ◽  
Human Development Index ◽  
Quality Data ◽  
High Quality ◽  
High Quality Data ◽  
Development Index ◽  
Policy Interventions ◽  
Education And Health ◽  
Micro Level ◽  
The Government

This article analyzes the overall and type of developmental impacts of remittances for migrant-sending households (HHs) in districts of Punjab, Pakistan. For this purpose, an HH-based human development index is constructed based on the dimensions of education, health and housing, with a view to enrich insights into interactions between remittances and HH development. Using high-quality data from a HH micro-survey for Punjab, the study finds that most migrant-sending HHs are better off than the HHs without this stream of income. More importantly, migrant HHs have significantly higher development in terms of housing in most districts of Punjab relative to non-migrant HHs. Thus, the government would need policy interventions focusing on housing to address inequalities in human development at the district-HH level, and subsequently balance its current focus on the provision of education and health.

scholarly journals INDEKS PERSEPSI KORUPSI DAN PEMBANGUNAN MANUSIA TERHADAP PERTUMBUHAN EKONOMI DI NEGARA-NEGARA ASIA TENGGARA

Jurnal Ecogen ◽  
2019 ◽  
Vol 1 (3) ◽  
pp. 681
Author(s):  
Muhammad Fajar ◽  
Zul Azhar
Keyword(s):  
Economic Growth ◽  
Human Development ◽  
Human Development Index ◽  
Fixed Effect Model ◽  
Southeast Asian ◽  
Least Square ◽  
Asian Countries ◽  
Development Index ◽  
The Government ◽  
Southeast Asian Countries

This research aims to know and analyze determine of corruption and the human development index to economic growth in Southeast Asian countries. This research use panel least square and Fixed Effect Model. The estimation result should that corruption has a possitive and significant effect on economic growth in Southeast Asian countries and the human development Index has a possitive and significant effect on economic growth in Southeast Asian countries. From the result of this research, to increase economic growth, the government in SoutheastAsian countries must strengthen the bureaucratic and legal institutions of a country,increase the role of the government or related agencies in monitoring and crackingdown on corruption that results in lossof government productivity and allocating resources appropriately so that the creation of peace and prosperity among the countries in Southeast Asian. Keywords: Economic Growth, Corruption, Human Development Index

scholarly journals IMPACT OF FINANCIAL INCLUSION, GOVERNMENT EXPENDITURES IN EDUCATION AND HEALTH SECTORS ON HUMAN DEVELOPMENT IN INDONESIA

2020 ◽  
Vol 9 (2) ◽  
pp. 5
Author(s):  
Mulia Simatupang
Keyword(s):  
Human Development ◽  
Government Policy ◽  
Human Development Index ◽  
Health Sector ◽  
Financial Inclusion ◽  
Government Expenditures ◽  
Development Index ◽  
Education And Health ◽  
The Government ◽  
The Impact

ABSTRACT The purpose of this paper in to assess the impact of financial inclusion and  government expenditures in education and health sectors in order to increase human development index. Government expenditures has important role to support economic growth and welfare for its people. Fiscal policy expenditures in education and health sectors are kind of significant government policy to increase human development. It is believed that financial inclusion has also important role  to reduce poverty and indirectly increase human development index. Financial inclusion  has positive impacts to human development index component along with government  expenditures in education and health sector. In the years ahead, The Government should prioritize and increase budget in order to increase human  resources quality in Indonesia.

scholarly journals Is there Trust in the Scandinavia of India? On Understanding Generalized Trust in Kerala

2018 ◽  
Vol 14 (9) ◽  
pp. 16
Author(s):  
Magnus Olof Karlsson
Keyword(s):  
Working Class ◽  
Welfare State ◽  
Human Development ◽  
Human Development Index ◽  
Generalized Trust ◽  
Social Democratic ◽  
Development Index ◽  
Welfare Indicators ◽  
The Family ◽  
The Government

Kerala is considered as the most social advanced state of India, and can in many respects be seen as “the Scandinavia of India”. But despite the fact that Kerala scores high on the Human Development Index as well as many other welfare indicators, there are arguments that generalized trust—when people trust most people even if they do not know them—is low. In this text, Kerala is sometimes compared to Sweden, one social-democratic well-developed welfare state in Scandinavia, and it is argued that the family constellations, the historical relations between the working-class movement, the employers and the government, as well as the extensive remittance economy characterising Kerala, have reduced trust through creating large inequalities and decreasing civil engagement.

scholarly journals Analisis Pengaruh Sanitasi dan Akses Air Bersih Terhadap Indeks Pembangunan Manusia di Jawa Tengah

2021 ◽  
Vol 21 (1) ◽  
pp. 56
Author(s):  
Fita Purwaningsih ◽  
Suharno Suharno ◽  
Abdul Aziz Ahmad
Keyword(s):  
Economic Growth ◽  
Human Development ◽  
Human Development Index ◽  
Poor People ◽  
Water Access ◽  
Development Index ◽  
Central Java ◽  
Access To Water ◽  
The Government ◽  
Central Java Province

Human Development Index (HDI) of Central Java Province in 2015-2018 is the lowest compared to other provinces in Java Island. This study aims to analyze the effect of sanitation, water access, poverty, population, and economic growth on Human Development Index in Central Java Province at 2015-2018. The method used in this research is multiple linear regression with a panel data approach. The results show that sanitation, population, and economic growth have a positive and significant effect on the Human Development Index in Central Java Province. Poverty ha\ve a negative and significant effect on the Human Development Index in Central Java Province. Meanwhile, access to water has no effect on the Human Development Index in Central Java Province. This finding implies the need for equitable sanitation development for the population in Central Java Province. In addition, the government needs to increase economic growth and reduce the number of poor people.

scholarly journals Human Development Index (HDI) in Lampung Province Period 2013-2018

2021 ◽  
Vol 4 (2) ◽  
pp. 119
Author(s):  
Ambya Ambya
Keyword(s):  
Human Development ◽  
Government Spending ◽  
Human Development Index ◽  
Capital Expenditure ◽  
Human Life ◽  
Health Sector ◽  
Life Quality ◽  
Development Index ◽  
The Government

Human development index (HDI) is one of the benchmarks used to see the quality of human life as measured by looking at the level of human life quality of education, health and economy. This study aims to determine the effect of government spending from the education, health and capital expenditure sectors as well as income on the human development index. The data used is a secondary data in 7 districts in Lampung Province period of 2013-2018 which was obtained from the Directorate General of Fiscal Balance (DGFB Ministry of Finance) and the Central Statistics Agency (CSA) in Lampung province. The results of the analysis show that the government spending in the education sector and capital expenditure have a positive and significant effect on the human development index while the health sector spending as well as income have a negative and significant effect on the human development index.

scholarly journals REMITANSI TENAGA KERJA INDONESIA: DAMPAKNYA TERHADAP INFLASI DAN KONTRIBUSINYA TERHADAP PENINGKATAN KUALITAS HIDUP MASYARAKAT

2009 ◽  
Vol 13 (3) ◽  
pp. 388
Author(s):  
Eny Haryati
Keyword(s):  
Human Development ◽  
Human Development Index ◽  
Development Index ◽  
Goods And Services ◽  
Governmental Policy ◽  
Exact Number ◽  
Expected Inflation ◽  
The People ◽  
The Republic ◽  
The Government

Indonesian manpower (IM) is a term used to refer to the Indonesian migrants who work overseas. Although the exact number of the IM is not well recorded by the government of the Republic of Indonesia, the amount of the remittance the IM send home to their family is found to be quite significant. In 2005, the Minister of Manpower and Transmigration of the Republic of Indonesia declared that the amount of the IM’s remittance reached US$ 2.9 billion, which was much higher than the government’s expected amount (US$ 1.9 billion). This study found out that (1) the IM’s remittance affected the amount of the money spreading in the home district where the IM came from so that it enhanced the purchasing power of the people in the district towards the consumptive goods and services which, in turn, triggered the elevation of the prices of goods and services; (2) the IM’s remittance stimulated the traders or merchants to determine the goods and services pricing which was commonly called the expected inflation; (3) most of the remittance was spent for consumptive goods and services and only a little amount of it was spent for investment; and (4) the IM’s remittance was a factor that positively affected the increase of the human development index (HDI) in the IM’s home district. To effectively increase the effect of the remittance towards the HDI in the IW’s home district, a governmental policy that was oriented towards the development of the IM’s family potentials and attempted to change people’s behavior

scholarly journals Pengaruh Investasi Pertambangan dan Tenaga Kerja terhadap Produk Domestik Regional Bruto serta Indeks Pembangunan Manusia di Kabupaten Kutai Barat

FORUM EKONOMI ◽  
2017 ◽  
Vol 19 (1) ◽  
pp. 92
Author(s):  
Yakin Masiku ◽  
Eny Rochaida ◽  
Adi Wijaya
Keyword(s):  
Path Analysis ◽  
Human Development ◽  
Human Development Index ◽  
Secondary Data ◽  
Domestic Product ◽  
Regional Government ◽  
Domestic Investment ◽  
Development Index ◽  
Mining Investment ◽  
The Government

In accordance with the Regional Autonomy Policy, the Regional Government will not be able to perform its functions properly, effectively and efficiently without adequate funding support to provide services to the community and implement development programs. The financing of development in the area other than sourced from the government itself also exists that comes from the private sector through Domestic Investment with Mining Investment which is certainly enough to contribute in the formation of Gross Regional Domestic Product and Human Development Index in West Kutai Regency. So the role of mining investment is very large in order to support and optimize the success of development in the region. Therefore developing and optimizing Investment Cultivation becomes very important, in an effort to increase the growth of GDP and future HDI. The purpose of this study was to examine the influence of investment and labor on Gross Regional Domestic Product and Human Development Index in West Kutai District. Data used secondary data sourced from the Mining Service of West Kutai Regency and Central Bureau of Statistics Office of West Kutai Regency, Bappeda of West Kutai Regency and related Office.The method of  data collection with direct observation. Further data is processed and analyzed by Path Analysis (Path Analysis). The result of statistical test shows that partially Mining Investment has positive but not significant effect to PDRB and HDI, whereas the amount of Labor has positive and significant effect to the increasing of PDRB revenue in West Kutai Regency. While PDRB has a positive and significant impact on HDI in West Kutai Regency.Keywords: Human Development Index, Gross Regional DomesticProduct, Manpower, Mining Investment

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