scholarly journals ANALISIS PENERAPAN BRILINK DI BANK BRI KOTA MADIUN SEBAGAI UPAYA MENDORONG FINANCIAL INCLUSION

2018 ◽  
Vol 1 (2) ◽  
pp. 211
Author(s):  
Herman Ahmadi
Keyword(s):  
Financial Literacy ◽  
Financial Sector ◽  
Financial Inclusion ◽  
Successful Implementation ◽  
Economic Activities ◽  
City Community ◽  
The Many ◽  
Surrounding Areas ◽  
Branch Office ◽  
The Right

<p><em>The role of the financial system becomes relatively important in a country's economy in today's globalization era. The financial sector as part of the economic backer of the state has an important task in supporting the economic activities of the poor so that they can still do its activities. According to Bank Indonesia the form of an inclusive financial national strategy is the right of everyone to have access and full service from financial institutions in a timely, , informative, and affordable costs, with full respect for the dignity and prestige of PT. BRI (Persero), Tbk. Madiun Branch Office is one of the branch offices of PT. Bank Rakyat Indonesia (Persero), Tbk. His job is to carry out all orders that have been established by the head office and provide banking products services, including being a manager of BRILink for Madiun and surrounding areas.</em><em> </em><em>Research Objectives Describe the sustainability of BRILink services, as well as describe the barriers that exist in the implementation of BRILink PT. BRI (Persero), and the successful implementation of BRILink PT. BRI (Persero), Tbk. Branch Office Madiun can encourage financial inclusion in Madiun and surrounding areas.</em><em> </em><em>A well-developed financial sector will encourage economic activity, PT. BRI (Persero), Tbk. Branch Office Madiun can only be enjoyed by the city community freely. The low level of public financial literacy and the geographic condition of the Madiun region that is not accessible by access to banking services are the factors that hinder financial inclusion. and must fix itself from the many obstacles in the implementation of BRIlink so that more users and agents can improve the quality of life due to the ease of service BRIlink, PT. BRI (Persero), Tbk. Madiun Branch Offices often evaluate the implementation of BRIlink, as well as minimize constraints, and increase training in the use of EDC machines</em></p>

scholarly journals Grand Duchess Alexandra Petrovna (nun Anastasia) and the activities of the Pokrovsky monastery-hospital in Kiev in the late XIX and early XX century

2015 ◽  
Vol 96 (3) ◽  
pp. 471-477
Author(s):  
N N Blokhina
Keyword(s):  
Medical Care ◽  
Medical Equipment ◽  
Economic Activities ◽  
Medical Settings ◽  
New Methods ◽  
Novel Treatment ◽  
Work Atmosphere ◽  
The Many ◽  
The Right ◽  
Special Atmosphere

The article describes the activities of the Pokrovsky monastery-hospital in Kiev, created by the efforts of the Grand Duchess Alexandra Petrovna (1838-1900), who took the monastic vows in 1889 under the name Anastasia. The monastery became widely known in the late XIX - early XX century for the highly skilled medical aid provided to the population since its inception up to the events of 1917. It was a unique complex of medical settings located in the same area and equipped with modern medical equipment comparable with the many World’s clinics of that time. In this monastery-hospital, pilgrims with different diseases who came at Pokrovsky monastery in Kiev were provided the required qualified, affordable medical care. Thanks to the Grand Duchess Alexandra Petrovna, her attentive attitude to all the latest innovations, novel treatment methods were developed and introduced to the work of monastery medical settings. In addition, she was able to create a special atmosphere and goodwill towards the sick. But, being engaged in devising new methods of providing medical care to patients, she was able to create a special and inviting atmosphere with respect to the patient. With the ever-increasing circle of her organizational and economic activities, being in charge of the monastery-hospital problems of great importance, Grand Duchess reserved the right to nurse her patients. She worked by vocation, at the behest of the soul. Her example of selfless labor in the monastery medical settings where monastic sisters held the medical staff responsibilities for the patients care was important for all of the staff. Her assistants - Sisters of Charity - she fostered by her own example of selfless aid to a sick person. This favorable work atmosphere was very effective helping cure the sick.

scholarly journals An Empirical Analysis of the Impact of Agency Banking on Financial Inclusion in Benue State, Nigeria: Implications for Economic Activities

2022 ◽  
Vol 14 (2) ◽  
pp. 75
Author(s):  
David Terfa Akighir ◽  
Tyagher Margaret ◽  
Jacob Terungwa Tyagher ◽  
Tordue Emmanuel Kpoghul
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Structural Equation ◽  
Structural Equation Models ◽  
Survey Design ◽  
Secondary Data ◽  
The State ◽  
Financial Inclusion ◽  
Economic Activities ◽  
The Impact

Twelve (12) out of the Twenty-three (23) local government areas (LGAs) in Benue State do not have the presence of banks over a long period of time. This situation has deprived the inhabitants of these LGAs of access to formal financial services until the advent of agency banking. This study therefore, investigates the impact of agency banking on financial inclusion and economic activities in Benue State focusing on the agency banking activities of First Bank Ltd. The study is anchored on the agency theory and it used a survey design. The study has utilized both primary and secondary data that were analyzed using descriptive statistical tools and structural equation models. Findings of the study have revealed that agency banking activities of First Bank Ltd have immensely enhanced financial inclusion and economic activities in Benue State. However, challenges such as shortages of cash, security problems, network failures, and lack of financial literacy are militating against the smooth operations of the agency banking in the State. On the basis of these findings, the study has recommended among others that, other banks operating in the State should be encouraged to venture into agency banking in the state so as to have a wider coverage of agency banking in the State. Also, government should provide security and partner with the private sector to provide national carrier communication network system to overcome the network failure challenge. Finally, banks should intensify efforts to educate the masses about the validity and potency of agency banking.

Financial Literacy for Financial Inclusion Using Mobile Technology in India

2021 ◽  
pp. 637-650
Author(s):  
Smriti Ashish Pathak ◽  
Shreya Virani
Keyword(s):  
Mobile Technology ◽  
Financial Literacy ◽  
Digital Literacy ◽  
Financial Information ◽  
Financial Inclusion ◽  
Successful Implementation ◽  
Rural Poor ◽  
Rural People ◽  
Good Opportunity ◽  
Related Information

According to the RBI governor, technology-enabled financial information will spread financial literacy in an efficient and secure manner. India needs inclusive growth to pull millions out of poverty and mobile phone penetration can be a good opportunity. Consumers are exposed to a plethora of financial products but the knowledge is either not there or limited to make judicious choices. The successful implementation of financial literacy services would benefit rural people but it is a challenge to all stakeholders today. One-hundred twenty-five people all over India were selected for a survey and results point that rural poor accept mobile technology for banking related information but do not want to adopt the technology. There are various challenges for financial literacy in India discussed in the chapter. Also, opportunities are many for digital literacy and can be achieved if the challenges are overcome. All the stakeholders should put in concerted efforts at all levels to achieve financial inclusion through mobile technology disruption.

scholarly journals Peran Dosen Fakultas Ekonomi dan Bisnis Universitas Teknologi Sumbawa dalam Peningkatan Literasi dan Inklusi Keuangan pada Masyarakat Kabupaten Sumbawa

2020 ◽  
Vol 10 (1) ◽  
pp. 33
Author(s):  
Abdul Salam ◽  
Abdurrahman Abdurrahman
Keyword(s):  
Financial Literacy ◽  
Positive Response ◽  
Public Awareness ◽  
Financial Inclusion ◽  
Added Value ◽  
The People ◽  
Strategic Location ◽  
The Right ◽  
The University

The purpose of this study was to identify the outcomes of higher education, in this case the University Technology of Sumbawa, because of its strategic location and positive response from the people of Sumbawa Regency, its ability to create added value and strategies for increasing public awareness of its financial future.The object of this research is the community in Sumbawa Regency with a sample size of 250 respondents. This study measures the role of Lecturers on, Financial Literacy and Inclusion.This study found that financial literacy partially affects the role of lecturers in being rejected. The financial inclusion variable has a significant effect on the role of the lecturer. Meanwhile, the variables of financial literacy and financial inclusion have a simultaneous effect on the role of lecturers.The conclusion of this research is in determining the right strategy to improve Financial Literacy and Financial Inclusion by increasing the role of Lecturers through Tri Dharma in order to create a well-lierate financial society

scholarly journals Investigation of financial inclusions, financial literation, and financial technology in Indonesia

2020 ◽  
Vol 8 (3) ◽  
pp. 257-268
Author(s):  
Muhammad Noor ◽  
Finnah Fourqoniah ◽  
Muhammad Fikry Aransyah
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Adult Population ◽  
Financial Inclusion ◽  
Literature Study ◽  
Financial Attitudes ◽  
Financial Products ◽  
Internet Penetration ◽  
The Right ◽  
Financial Technology

The Indonesian Financial Services Authority (Otoritas Jasa Keuangan) states that the financial literacy increase will be followed by developing the financial inclusion index. Nevertheless, the level of public financial literacy is still far behind the financial inclusion index. Perpres No. 82 of 2016 concerning the National Inclusive Finance Strategy sets a target of 75% of the adult population to access financial services in 2019. As information technology develops and internet penetration rates rapidly emerge, digital financial services emerge that make it easier for people to obtain financial services called financial technology. The increasing use of financial technology is one of the drivers for increasing national financial inclusion. This study aims to investigate studies of financial inclusion, financial literacy, both from knowledge, behavior, and financial attitudes, and financial technology. The research is a literature study research examining thirty journals and reports related to Financial Inclusion, Financial Literacy, and Financial Technology. Formed on the respondents' characteristics, gender, age, education, and occupation had an impact on increasing financial inclusion, financial literacy, and financial technology in Indonesia. Many people use financial products and services without having a good knowledge of the functions, how to choose the right according to needs, and do not know the risks of the products used. Recommendation from this is a strategy strategic of the respondents' characteristics is needed in increasing financial inclusion.

scholarly journals OPTIMALISASI LAKU PANDAI BERBASIS MASJID GUNA LITERASI DAN INKLUSI KEUANGAN SYARIAH BERKELANJUTAN

2018 ◽  
Vol 3 (2) ◽  
pp. 106
Author(s):  
Syah Amelia Manggala Putri ◽  
Eka Jati Rahayu Firmansyah
Keyword(s):  
Qualitative Research ◽  
Grounded Theory ◽  
Financial Literacy ◽  
Financial Services ◽  
Spiritual Development ◽  
Financial Inclusion ◽  
The Other ◽  
Religious Leaders ◽  
Economic Activities ◽  
Islamic Studies

Recent development of Shari’a banking is quite satisfying. In 2016, shari’a banking has reported the asset as much as 365.6 trillion rupiahs. On the other hands, the index of shari’a financial literacy and inclusion has not been optimum that is only 8.11% and 11.06% respectively. Therefore, a new innovation is needed to increase the index of literacy and inclusion as a challenge in shari’a banking in Indonesia. As a response, Indonesia Financial Services Authority (OJK) has launched a new regulation of Non-Office Financial Services in the Framework of Inclusive Finance (Laku Pandai) which is expected to increase the index of shari’a financial inclusion. In the application, shari’a finance, which is based on the Islamic laws, should get itself closer to the centre of Islamic spiritual development, namely mosques. A mosque, however, does not only function as a place for developing spirituality but also plays an important role in improving economic activities. Hence, this study is conducted by qualitative research applying the method of Grounded Theory. The synergy between the Laku Pandai program and mosques is performed by involving ummah—the community—as the agent of Laku Pandai whose duty is to assist the community in getting suitable shari’a products and services. In this case, the products of Laku Pandai can be used in worshipping activities (qurban, umroh, hajj, etc), phone-credit recharging, and micro-shari’a financing. The application of this synergy, however, will make the products and services of shari’a finance accessible to the community and thus increase the index of shari’a financial inclusion at once.  The mosque-based education about shari’a finance is obtained by Islamic studies, lectures, and socialization initiated by involved parties, religious leaders and the society, so that it will also increase the index of shari’a financial literacy.Keywords: Laku Pandai, literacy, inclusion, shari’a finance, mosque

Financial Literacy for Financial Inclusion Using Mobile Technology in India

2018 ◽  
pp. 86-103
Author(s):  
Smriti Ashish Pathak ◽  
Shreya Virani
Keyword(s):  
Mobile Technology ◽  
Financial Literacy ◽  
Digital Literacy ◽  
Financial Information ◽  
Financial Inclusion ◽  
Successful Implementation ◽  
Rural Poor ◽  
Rural People ◽  
Good Opportunity ◽  
Related Information

According to the RBI governor, technology-enabled financial information will spread financial literacy in an efficient and secure manner. India needs inclusive growth to pull millions out of poverty and mobile phone penetration can be a good opportunity. Consumers are exposed to a plethora of financial products but the knowledge is either not there or limited to make judicious choices. The successful implementation of financial literacy services would benefit rural people but it is a challenge to all stakeholders today. One-hundred twenty-five people all over India were selected for a survey and results point that rural poor accept mobile technology for banking related information but do not want to adopt the technology. There are various challenges for financial literacy in India discussed in the chapter. Also, opportunities are many for digital literacy and can be achieved if the challenges are overcome. All the stakeholders should put in concerted efforts at all levels to achieve financial inclusion through mobile technology disruption.

A Satellite-Based Mechanical Damage Management Solution

2002 ◽  
Author(s):  
Gregg O’Neil ◽  
Michael Besserer ◽  
Daron Moore ◽  
Louis Fanyvesi
Keyword(s):  
Satellite Imagery ◽  
Mechanical Damage ◽  
Successful Implementation ◽  
Industry Studies ◽  
Proactive Approach ◽  
Process Implementation ◽  
High Resolution Satellite Imagery ◽  
The Many ◽  
The Right ◽  
Delivery Models

Numerous industry studies have characterized mechanical damage to be the pipeline industry’s largest single hazard. A proactive approach to preventing incidents due to mechanical damage is desirable. A process combining high-resolution satellite imagery with geomatic technologies such as GIS and image analyses is in the process of being demonstrated to be able to detect, georeference and characterize potentially injurious encroaching activities that may cause mechanical damage. The intrinsic advantages of a satellite imagery-enabled process include the high revisit frequencies (in comparison to typically used aerial patrol frequencies), the wider swath width of monitoring and the analysis -friendly digital nature of the imagery. The successful implementation of such a process will contribute to averting incidents in the many cases where One-call (Call before you dig) systems are not notified. In addition, as a by-product of the process, this service could assist in continuously surveying the right-of-way. Working with leading North American pipeline operators, via+ is developing and bringing to market commercial delivery models of this process. The elements of the process and the technologies current and anticipated capabilities are presented. Sample results of the process implementation are also presented.

scholarly journals Agent Banking And Poverty Reduction In Benue State, Nigeria

2020 ◽  
Vol 7 (5) ◽  
pp. 213-229
Author(s):  
David Terfa Akighir ◽  
T. Jacob Tyagher ◽  
Aaron Ateata
Keyword(s):  
Local Government ◽  
Rural Areas ◽  
Financial Literacy ◽  
Rural Population ◽  
Poverty Reduction ◽  
The State ◽  
Financial Inclusion ◽  
Economic Activities ◽  
Logit Regression Model ◽  
The Impact

The study investigated the impact of agent banking on poverty reduction in Benue State, Nigeria. The study is hinged on the agency theory, risk management theory, the regulatory dialectic theory and the basic needs theory. Focusing on the agent banking activities of the First bank PLC, the study used the Taro Yammene’s formula to select 199 agents for investigation. Questionnaire was used for data collection but only 185 copies of the questionnaire were retrieved for analysis. The study employed descriptive tools such as tables and percentages and paired t-test as well as Foster, Greer and Thornbecke (FGT) index. Also, a logit regression model was employed to ascertain whether or not agent bank has the probability of reducing poverty in Benue State. The study found that engaging in agent banking has the probability of reducing poverty in Benue State which is typically an agrarian state with high poverty incidence among highly unbanked population. Agent banking in this unbanked State where only 11 local government areas out of 23 local government areas have the presence of banks has the potential of increasing financial inclusion and enhancing financial literacy. With the presence of agent banking in the state, it will enhance business sustainability and facilitate financial transactions. These will increase economic activities and increase employments and reduce poverty. Given the potentials of agent banking for socio-economic development in the state, it is recommended that financial literacy awareness should be created so that rural population who have long lived unbanked to accept banking services via the agent banking. Also, banks operating in the state should leverage on the opportunity of agent banking to penetrate the rural population with a view to achieving financial inclusion in line with the CBN’s revived National Financial Inclusion Strategy (NFIS) which places implementation focus on women, rural areas, youth, Northern Nigeria and MSMEs to achieve 95% financial inclusion rate by 2024.

Formation of financial literacy in training of informatics teachers on the basis of the 1С:Enterprise system

2020 ◽  
Vol 1 (1) ◽  
pp. 11-18
Author(s):  
M. A. Rodionov ◽  
I. V. Akimova
Keyword(s):  
Financial Literacy ◽  
Basic Knowledge ◽  
State University ◽  
Science And Literature ◽  
Successful Development ◽  
Mathematics History ◽  
School Subjects ◽  
Personal Finances ◽  
The Right

In the submitted study the problem of the formation of financial literacy of students at informatics lessons and relevant training of future informatics teachers is considered. Financial literacy is understood as a set of basic knowledge in the field of finance, banking, insurance, as well as budgeting for personal finances that allow a person to choose the right financial product or service, soberly assess and take risks that may arise during the use of these products, correctly accumulate savings and identify doubtful (fraudulent) investment schemes. The authors conclude that successful development of meaningful lines of the course of financial literacy requires integration of a few school subjects, such as mathematics, history, informatics, social science and literature. The role of modern informatics teacher in the formation of financial literacy of students is great. Therefore, in the training of a future informatics teacher, it should be paid the attention to issues related to the study of elements of financial literacy in informatics lessons. In order to solve the problem, the authors propose to use the special course “Basics of work in 1С:Enterprise”, which is implemented at Penza State University. The article contains a program of the course and the methodological recommendations for its implementation.

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