scholarly journals HOUSEHOLD DEMAND FOR FINANCIAL SERVICES: REGIONAL ASPECT

2020 ◽  
Vol 4 (2) ◽  
pp. 106-114
Author(s):  
L. Shkvarchuk ◽  
◽  
R. Slav`yuk ◽  
Keyword(s):  
Financial Services ◽  
Household Income ◽  
Regional Distribution ◽  
Correlation Coefficients ◽  
Economic Factors ◽  
Gross Regional Product ◽  
Household Demand ◽  
Regional Aspect ◽  
Regional Product ◽  
Very High

The purpose of this paper is to evaluate the features of the regional distribution of households demand for financial services and identification of factors and characteristics of such distribution. The authors undertook to fulfill this aim by dividing all regions in Ukraine into regions with household-donors and household-recipients. First of them are characterized by the predominance of household demand for financial services, which provide an increase in their financial costs. In Ukraine, 2/3 of the regions belong to the group of donor households. The rest belong to the group of regions with recipient households. In these regions, the demand for financial services, which causes an increase in financial resources of households, prevails. The analysis is based on data from the State Statistics Service of Ukraine and encompasses the period of 2017-2018. The k-means method was used to cluster the regions. The cluster, which brings together regions with a low overall description of households demand for financial services, is the largest. This place includes 14 (58.33%) of regions. The smallest is the cluster, which brings together regions with high household demand for financial services. It includes only 1 (4.17%) region of Ukraine. Based on this, the authors concluded that household demand for financial services was generally low. The authors tested the hypothesis about the type of distribution. It is proved that the demand of households for financial services in the regional context is distributed according to Poisson's law. According it high and very high demand per household is typical for only 8% of regions. The annual volume of financial services in the amount of UAH 245.88 is considered sufficient for most households in Ukraine, regardless of the region. The authors calculated the correlation coefficients between the volume of financial services used by households and the level of their income. Correlation coefficients were also calculated between the volume of household demand for financial services in a particular region and the value of gross regional product. Based on these calculations, the authors concluded that the volume of household demand for financial services does not depend on the level of household income or the level of gross regional product. This indicates the presence of certain non-economic factors that determine the distribution of regions according to the level of household demand for financial services. This indicates the presence of certain non-economic factors that determine the distribution of regions according to the level of household demand for financial services.

scholarly journals POPULATION INCOME DYNAMICS AND ECONOMIC GROWTH IN THE NORTH CAUCASIAN FEDERAL DISTRICT

Kavkaz-forum ◽  
2021 ◽  
pp. 113-123
Author(s):  
М.Р. КУЛОВА ◽  
Е.Ю. ИВАНОВА ◽  
Т.Ю. ИТАРОВА
Keyword(s):  
Economic Growth ◽  
Household Income ◽  
Correlation Coefficients ◽  
Strong Relationship ◽  
Federal District ◽  
Gross Regional Product ◽  
North Caucasus ◽  
Significant Discrepancy ◽  
The North ◽  
Regional Product

В статье рассматриваются особенности взаимосвязи, инертность и изменчивость динамики доходов населения и показателей валового регионального продукта в субъектах Северо-Кавказского федерального округа. В условиях стагнации российской экономики в последние годы проблема роста валового регионального продукта и доходов населения в депрессивных регионах Северного Кавказа приобретает особую значимость. Проведенный авторами корреляционный анализ доходов населения и валового регионального продукта за 2000-2018 гг. методом Пирсона выявил, что, в отличие от российских регионов в целом с их достаточно сильной связью между валовым региональным продуктом и доходами населения, в регионах Северного Кавказа наблюдалось очень значительное расхождение в коэффициентах корреляции. В частности, в Северной Осетии в течение 2011-2015 гг. экономический рост и доходы населения находились в состоянии слабой зависимости, а уже в 2015-2018 гг. эта связка стала почти идеальной, когда коэффициент корреляции достиг 0,99. Резкие скачки в тесноте связей ВРП и доходов населения имели место в Дагестане, Карачаево-Черкессии, в то время как относительно стабильная динамика коэффициентов корреляции ВРП с доходами была характерна для Ингушетии. В Кабардино-Балкарии и Ставропольском крае, где были отмечены низкие и отрицательные значения коэффициентов корреляции, в динамике доходов населения и экономическим ростом проявилась либо слабая связь, либо обратная связь, когда увеличение одной переменной приводит к уменьшению другой. В целом, разнонаправленность динамики показателей валового регионального продукта и доходов населения в регионах СКФО отражает неэффективность экономической политики и необходимость более дифференцированного подхода к отдельным территориям макрорегиона. The article discusses the features of the relationship, inertia and variability of the dynamics of household income and gross regional product indicators in the subjects of the North Caucasian Federal District. In the context of the stagnation of the Russian economy in recent years, the problem of the growth of GRP and income of the population in the depressed regions of the North Caucasus is of particular importance. The authors' correlation analysis of the population's income and the gross regional product for 2000-2018 according to Pearson method revealed that, in contrast to the Russian regions as a whole with their rather strong relationship between the gross regional product and the population's income, there was a very significant discrepancy in the correlation coefficients in the regions of the North Caucasus. In particular, in North Ossetia, during 2011-2015, economic growth and income of the population were in a state of weakened mutual dependence, and already in 2015-2018, this link became almost perfect, when the correlation coefficient reached 0.99. Sharp changes in the close relationship between GRP and income of the population occurred in Dagestan, Karachay-Cherkessia, while the relatively stable dynamics of the correlation coefficients of GRP with income was characteristic of Ingushetia. In Kabardino-Balkaria and Stavropol Krai, where low and negative values of correlation coefficients were noted, the dynamics of household income and economic growth showed either a weak relationship or an inverse relationship, when an increase in one variable leads to a decrease in the other. In general, the divergence of the dynamics of the gross regional product and income indicators in the regions of the NCFD reflects the inefficiency of economic policy and the need for a more differentiated approach to individual territories of the macroregion.

scholarly journals Factors Affecting on Participatory Forest Management in Kavrepalanchok District, Nepal

2018 ◽  
Vol 41 (1-2) ◽  
pp. 1-17
Author(s):  
Yogesh Ranjit
Keyword(s):  
Household Income ◽  
Correlation Coefficients ◽  
Forest Products ◽  
Local People ◽  
Poor People ◽  
Economic Factors ◽  
Forest Protection ◽  
Factors Affecting ◽  
Participatory Forest Management ◽  
Socio Economic Factors

The paper deals with major factors affecting on people’s participation in forest protection and management activities in the Hill area of Nepal. Local people participate in forestry programmes basically for improving quality, quantity, and density of forests that ultimately help in continuously availability of the basic forest products for their livelihood and socio-economic development. The nature and level of people’s participation is highly determined by gross household income and socio-economic factors. A multiple log regression analysis used to examine the level of people’s participation as dependent variable and gross household income along with other socio-economic factors as independent variables. Correlation coefficients, coefficient of determinants, adj-coefficient of determinants, t-test, F-test and D-W test are major tools used for data analyses. The study found that as people received more forest products and other benefits from forest protection and management in short and long term, local people significantly participate in forestry programs. As women, poor people and disadvantage groups (DAGs) of the society are the prime users of forests and forest products, they have been directly involved and also gradually increasing in forestry activities in the study area.

Controlled Release of Metformin Hydrochloride I. In vitro Release from Physical Mixture Containing Xanthan Gum as Hydrophilic Rate Retarding Polymer

1970 ◽  
Vol 4 (1) ◽  
Author(s):  
Mashkura Ashrafi ◽  
Jakir Ahmed Chowdhury ◽  
Md Selim Reza
Keyword(s):  
Controlled Release ◽  
Xanthan Gum ◽  
In Vitro Release ◽  
Correlation Coefficients ◽  
High Ratio ◽  
Water Soluble ◽  
Metformin Hydrochloride ◽  
Model Drug ◽  
Very High

Capsules of different formulations were prepared by using a hydrophilic polymer, xanthan gum and a filler Ludipress. Metformin hydrochloride, which is an anti-diabetic agent, was used as a model drug here with the aim to formulate sustained release capsules. In the first 6 formulations, metformin hydrochloride and xanthan gum were used in different ratio. Later, Ludipress was added to the formulations in a percentage of 8% to 41%. The total procedure was carried out by physical mixing of the ingredients and filling in capsule shells of size ‘1’. As metformin hydrochloride is a highly water soluble drug, the dissolution test was done in 250 ml distilled water in a thermal shaker (Memmert) with a shaking speed of 50 rpm at 370C &plusmn 0.50C for 6 hours. After the dissolution, the data were treated with different kinetic models. The results found from the graphs and data show that the formulations follow the Higuchian release pattern as they showed correlation coefficients greater than 0.99 and the sustaining effect of the formulations was very high when the xanthan gum was used in a very high ratio with the drug. It was also investigated that the Ludipress extended the sustaining effect of the formulation to some extent. But after a certain period, Ludipress did not show any significant effect as the pores made by the xanthan gum network were already blocked. It is found here that when the metformin hydrochloride and the xanthan gum ratio was 1:1, showed a high percentage of drug release, i.e. 91.80% of drug was released after 6 hours. But With a xanthan gum and metformin hydrochloride ratio of 6:1, a very slow release of the drug was obtained. Only 66.68% of the drug was released after 6 hours. The percent loading in this case was 14%. Again, when Ludipress was used in high ratio, it was found to retard the release rate more prominently. Key words: Metformin Hydrochloride, Xanthan Gum, Controlled release capsule Dhaka Univ. J. Pharm. Sci. Vol.4(1) 2005 The full text is of this article is available at the Dhaka Univ. J. Pharm. Sci. website

The economy of the Chukotka Autonomous Okrug: On the path from monodependence to diversification

2020 ◽  
Vol 18 (4) ◽  
pp. 662-674
Author(s):  
S.G. Serikov
Keyword(s):  
Economic Development ◽  
Statistical Analysis ◽  
Gross Regional Product ◽  
Key Factors ◽  
Economic Problems ◽  
Analysis Methods ◽  
Socio Economic Development ◽  
Regional Product ◽  
Statistical Analysis Methods

Subject. This article explores the changes in the economic development of the Chukotka Autonomous Okrug during the Soviet and post-Soviet periods. Objectives. The article aims to identify trends and features of the socio-economic development of the Chukotka Autonomous Okrug. Methods. For the study, I used the comparative, computational, constructive, and statistical analysis methods. Results. The article reveals key factors in the growth of the Chukotka Autonomous Okrug's gross regional product and the economic challenges to the region. As well, the article considers and proposes some possible options for further socio-economic development of the Okrug. Conclusions. The Okrug's current socio-economic problems are caused by not objective reasons only, but subjective factors, as well.

TELECOMMUNICATION NETWORKS AS A BASE FOR BRIDGING THE DIGITAL DIVIDE BETWEEN RUSSIAN FEDERATION REGIONS

2021 ◽  
Author(s):  
Н.А. ЧИСТОВА ◽  
А.С. БОРОДИН ◽  
А.Е. КУЧЕРЯВЫЙ
Keyword(s):  
Digital Divide ◽  
Communication Networks ◽  
Russian Federation ◽  
Educational Process ◽  
Telecommunication Networks ◽  
Gross Regional Product ◽  
Planning And Design ◽  
The Russian Federation ◽  
Regional Product ◽  
The Relationship

Статья посвящена анализу возможностей сетей связи для сокращения цифрового разрыва между регионами Российской Федерации. Основным результатом статьи является установление взаимосвязи валового регионального продукта и доли занятых в сфере информатизации и связи в общем числе занятых во всех отраслях. Результаты статьи могут быть использованы заинтересованными министерствами и ведомствами при реализации программы цифровой экономики, научными и проектными организациями при планировании и проектировании сетей связи, а также университетами в учебном процессе. The article is devoted to the analysis of the capabilities of telecommunication networks with ultralow latency to reduce the digital divide between the regions of the Russian Federation. The main result of the article is to establish the relationship between the gross regional product and the share of people employed in the field of informatization and communications in the total number of people employed in all industries. The results of the article can be used by interested ministries and departments in the implementation of the digital economy program, scientific and design organizations in the planning and design of communication networks, as well as by universities in the educational process.

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