scholarly journals Analisis Karakteristik Penggunaan Aplikasi Peer To Peer Lending Fintech dengan Model PCI

2020 ◽  
Vol 4 (2) ◽  
pp. 421
Author(s):  
Syarifah Syarifah ◽  
Wing Wahyu Winarno ◽  
Hanson Prihantoro Putro
Keyword(s):  
Public Interest ◽  
Peer To Peer ◽  
The Other ◽  
Relative Advantage ◽  
Intention To Use ◽  
The Public ◽  
Perceived Characteristics Of Innovation ◽  
Peer Lending

This study aims to determine the characteristics that influence the intention to use Peer to peer lending fintech applications with the Perceived Characteristics of Innovation (PCI) model. This study was conducted on 203 respondents who used the peer to peer lending fintech application and 114 respondents who did not use the Peer to peer lending fintech application in Indonesia. The results of this study indicate that the characteristics of innovation relative advantage, complexity, and observability can be determinants of people's intentions in using the Peer to peer lending application Fintech. Other characteristics of compatibility and trialability cannot be predictors of public interest in using peer to peer lending fintech services. There are other factors in people who do not use peer to peer lending fintech applications that most people are not interested in using applications. Some feel the application of peer to peer lending is against religion. Most of the other reasons are that they have never heard of the application and the public feels the complexity of using the peer to peer lending fintech application 

scholarly journals FINTECH SEBAGAI SALAH SATU SOLUSI PEMBIAYAAN BAGI UMKM

AdBispreneur ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 89
Author(s):  
Muhamad Rizal ◽  
Erna Maulina ◽  
Nenden Kostini
Keyword(s):  
Banking Sector ◽  
Small And Medium Enterprises ◽  
Peer To Peer ◽  
The Other ◽  
Financial Resources ◽  
Financial Industry ◽  
Loan Fund ◽  
Classic Problem ◽  
Peer Lending ◽  
Medium Enterprises

ABSTRACTIn 2017, more than 40 new fintech businesses is born, this financial business have emerged that have tried their luck in the Indonesian financial landscape along with the other 140s of startup that have stood before. Indonesia's fintech industry has become one of the prima donna that attracted so much attention from the financial industry actors. Investment on startup fintech began to attract a lot of interest, even some startup managed to get series A of investment this year. The fintech sectors are beginning to develop and many new products are launched.Meanwhile, the Ministry of Cooperatives and Small and Medium Enterprises (Ministry of Small and Medium Enterprises) launched 3.79 million micro, small and medium enterprises (SMEs) already utilizing online platform in marketing their products. This number is around 8 percent of the total perpetrators of SMEs in Indonesia, which is 59.2 million.The problem of sources of financing is a classic problem that is a barrier to the growth of SMEs who do not get financing facilities from the banking sector. Lack of financial resources makes SMEs unable to develop innovations to increase production. However, the rapid growth of financing business of fintech, such as peer-to-peer lending can now be another alternative for loan fund raisers. peer-to-peer lending is a financing business that targets the middle to lower market sectors  ABSTRAKSepanjang tahun 2017, setidaknya muncul lebih dari 40 bisnis fintech baru yang mencoba peruntungan di lanskap keuangan Indonesia bersama dengan 140-an startup lain yang telah berdiri sebelumnya. Industri fintech Indonesia memang menjadi salah satu primadona yang menarik perhatian begitu besar dari para pelaku industri keuangan. Investasi pada startup fintech mulai banyak diminati, bahkan beberapa startup berhasil mendapatkan investasi seri A di tahun ini. Sektor-sektor fintech mulai berkembang dan produk-produk baru banyak diluncurkan.Sementara itu, Kementerian Koperasi dan Usaha Kecil Menengah (Kemenkop UKM) melansir sebanyak 3,79 juta usaha mikro, kecil, dan menengah (UMKM) sudah memanfaatkan platform online dalam memasarkan produknya. Jumlah ini berkisar 8 persen dari total pelaku UMKM yang ada di Indonesia, yakni 59,2 juta.Masalah sumber pembiayaan merupakan masalah klasik yang menjadi penghambat pertumbuhan UMKM yang tidak mendapat fasilitas pembiayaan dari sektor perbankan. Kurangnya sumber dana menjadikan UMKM tidak dapat mengembangkan inovasi untuk meningkatkan produksinya. Namun demikian pesatnya pertumbuhan bisnis pembiayaan FinTech seperti peer-to-peer lending  sekarang ini bisa menjadi alternatif lain bagi para pencari dana pinjaman. peer-to-peer lending merupakan bisnis pembiayaan yang menyasar sektor  pasar menengah ke bawah.

scholarly journals Lessons from Israel's COVID-19 Green Pass program

2021 ◽  
Vol 10 (1) ◽  
Author(s):  
Shelly Kamin-Friedman ◽  
Maya Peled Raz
Keyword(s):  
Clinical Trial ◽  
Public Interest ◽  
Vaccine Development ◽  
The Other ◽  
Trust Building ◽  
Public Spheres ◽  
The Public ◽  
Freedom Of Movement ◽  
Pass Program ◽  
The One

AbstractAs of the beginning of March 2021, Israeli law requires the presentation of a Green Pass as a precondition for entering certain businesses and public spheres. Entitlement for a Green Pass is granted to Israelis who have been vaccinated with two doses of COVID-19 vaccine, who have recovered from COVID-19, or who are participating in a clinical trial for vaccine development in Israel. The Green Pass is essential for retaining immune individuals' freedom of movement and for promoting the public interest in reopening the economic, educational, and cultural spheres of activity. Nonetheless, and as the Green Pass imposes restrictions on the movement of individuals who had not been vaccinated or who had not recovered, it is not consonant with solidarity and trust building. Implementing the Green Pass provision while advancing its effectiveness on the one hand, and safeguarding equality, proportionality, and fairness on the other hand may imbue this measure with ethical legitimacy despite involving a potential breach of trust and solidarity.

scholarly journals Wyłączenie stosowania przepisów ustawy o swobodzie działalności gospodarczej w sprawach o cofnięcie koncesji na prowadzenie kasyna gry a ochrona interesu publicznego

Prawo ◽  
2017 ◽  
Vol 323 ◽  
pp. 211-221
Author(s):  
Konrad Kopystyński
Keyword(s):  
Public Interest ◽  
Economic Activity ◽  
The Other ◽  
The Public ◽  
Other Hand ◽  
The Law

Exclusion of the application provisions of freedom of economic activity act in the scope of concession for operating casino games and the protection of the public interestThis article presents the comparison between provisions of freedom of economic activity act and the law on gambling in scope of conditions related to revoking concession for operating casino games. To revoke that concession, only provisions of law on gambling can be applied because of provisions of freedom of economic activity act are excluded in that cases. That regulation allows the raising of freedom economic activity, but the other hand — also causes the limitation in the protec­tion of public interest.

scholarly journals PRIVATE AND PUBLIC INTEREST IN THE ‘INTERDICTUM NE QUID IN LOCO PUBLICO FIAT’

2018 ◽  
Vol 17 (4) ◽  
pp. 197-215
Author(s):  
Renata Kamińska
Keyword(s):  
Public Interest ◽  
The Other ◽  
Roman Law ◽  
Public Place ◽  
Public Places ◽  
The Public ◽  
Private And Public ◽  
Potential Damage ◽  
Scope Of Protection ◽  
Private Individual

Roman law accorded a broad scope of protection for public places. Te magistrates responsible for securing it were the curule and plebeian aediles, the censors, and the praetors. Praetors conducted this duty by promulgating interdicts. Ne quid in loco publico fat, which prohibited any activity or installation in a public place which could cause damage, stands out among the other praetorian interdicts. What made it special was that it could be applied both when the potential damage concerned the public interest (utilitas publica), and/or the interest of a private individual (utilitas privata). The damage (damnum) was defned as the loss of a beneft of whatsoever kind the private individual drew from his enjoyment of the public place in question.

scholarly journals The Factors of the Intention to Use P2P Lending Financial Technology (Fintech) Website at Jadetabek Intervening By Perceived Value

2019 ◽  
Vol 8 (3) ◽  
pp. 3102-3107
Keyword(s):  
Service Quality ◽  
Structural Equation ◽  
Information Quality ◽  
Perceived Value ◽  
Sampling Technique ◽  
Equation Model ◽  
Peer To Peer ◽  
Intention To Use ◽  
Peer Lending ◽  
Financial Technology

The research objective is to examine the factors that influence the intention to use Peer-to-Peer Lending Financial Technology Website in Jadetabek. The research design is a quantitative method using Structural Equation Model (SEM). The sampling technique is convenience sampling. The data collection method used questionnaire. The questionnaire distributed to 110 respondents who already visit the fintech peer-to-peer lending website. The statistical software employed in this study is the SmartPLS 3.0. The results show that information quality, service quality, and perceived value directly had a significant effect on the fintech peer-to-peer lending website usage intention. The results show that service quality, perceived value, and information quality directly had a significant effect on the fintech peer-to-peer lending website usage intention.

scholarly journals Guarding a Cultural Icon: Concurrent Intellectual Property Regimes and the Perpetual Protection of Anne of Green Gables in Canada

2011 ◽  
Vol 56 (4) ◽  
pp. 1011-1055 ◽  
Author(s):  
Andrea Slane
Keyword(s):  
Intellectual Property ◽  
Public Interest ◽  
Public Domain ◽  
The Other ◽  
Property Law ◽  
Cultural Significance ◽  
The Public ◽  
Public Benefit ◽  
Anne Of Green Gables ◽  
Property Regimes

This article uses the various intellectual property protections afforded to the classic children’s novel Anne of Green Gables as a means of illustrating the blurring between copyright, trademark, and official marks regimes in Canada. By not keeping these regimes distinct, the author argues, Canadian intellectual property law seriously threatens the integrity of the public domain, a central means by which an appropriate balance is struck between the interests of authors, other cultural producers, and the public at large. The blurring between regimes is located in three conceptual sites: origin in copyright versus source in trademark; reputation in copyright versus goodwill in trademark; and the weak requirement that a public authority serve a "public benefit" in order to qualify for official marks protection, without any consideration of the public interest served by the limitations on protections built into the other intellectual property regimes. Reinforcing the distinctions between regimes and clarifying the public benefit requirement for official marks would help protect the public domain from unjustified encroachments that potentially deprive us of access to creative works of shared cultural significance.

Un péage à l'orée du bois? (Essai) | A tollbooth at the forest edge? (Essay)

2009 ◽  
Vol 160 (8) ◽  
pp. 244-246
Author(s):  
Olivier Guex
Keyword(s):  
Public Interest ◽  
Supply And Demand ◽  
Forest Edge ◽  
Comparative Assessment ◽  
The Other ◽  
The Public ◽  
Du Bois ◽  
Private Interests ◽  
The One ◽  
The Right

Does the principle of multifunctionality mean that the forest must fulfill every requirement put forward? Does the modern notion of “commodity”, drawn from the laws of supply and demand, give forest owners the right to expect payment for every service provided? In view of the current difficult economic situation and the increase and diversification of these requirements, the questions are justified. This article does not have the pretension to provide all the answers. However, by means of further questions and through the introduction of various examples, the reader is invited to consider the subtly differentiated proportions of the importance of the public interest on the one hand as opposed to that of private interests on the other, and thus to be able to draw conclusions. Thanks to this comparative assessment, possibilities concerning the magnitude and the source of these payments should become clear.

General Average (continued in v.13)

1866 ◽  
Vol 12 (6) ◽  
pp. 350-361
Author(s):  
Richard Morrison
Keyword(s):  
Social Science ◽  
Public Interest ◽  
National Association ◽  
The Other ◽  
The Public ◽  
Uniform System ◽  
Government Measure ◽  
General Average ◽  
The Subject ◽  
Foreign Governments

In the month of June, 1862, after the meeting of the second International General Average Congress held in London, a committee was constituted, “for the purpose of establishing one uniform system of general average throughout the mercantile world,” The meeting of the council of the National Association for the Promotion of Social Science, held in York in the autumn of 1864, set apart three days for the consideration of this branch of jurisprudence; and the 26th of September and two following days were occupied with the discussion of the various disputed points connected with the subject, under the presidencies of Sir James Wilde and Sir Fitzroy Kelly. The last-named gentleman, in closing the sitting, in the course of his speech gave his opinion as to the course to be pursued in order to give the force of law to the amendments which had been proposed, with the view to promote the uniformity which is so desirable in connection with the adjustment of claims for general average. He considered that “in order to obtain a legislative sanction to the code which had just been completed, it would be advisable to obtain the distinct approval of the leading commercial bodies, particularly the Chambers of Commerce in the great towns; and to obtain, if possible, assurances on the part of the foreign Governments that they would be prepared to adopt the code upon its adoption in this country. …If possible, the code or rules should be made a Government measure; failing this, it should be entrusted to at least two independent members, one of whom must be a mercantile man, representing a mercantile constituency, and the other a lawyer of eminence; and that it would be desirable to go to work at once, while the public interest was alive to the measure.”

Predictive Genetic Testing: Congruence of Disability Insurers' Interests with the Public Interest

2007 ◽  
Vol 35 (S2) ◽  
pp. 52-58 ◽  
Author(s):  
Anita Silvers
Keyword(s):  
Genetic Testing ◽  
Public Interest ◽  
Genetic Information ◽  
Disability Insurance ◽  
Predictive Genetic Testing ◽  
The Other ◽  
Genetic Characteristics ◽  
The Public ◽  
Other Hand ◽  
The Individual

The idea that disability insurers would benefit if the use of predictive genetic testing expands may seem little short of obvious. If individuals with higher than species-typical genetic propensities for illness or disease are identified, and barred or discouraged from participating in disability insurance programs, is it not obvious that the amount that disability insurers pay out will decrease? Is there any reason to doubt that insurers thus would gain advantage by promoting genetic testing? Writers on this subject typically have taken on faith that advantage goes to whoever knows most about the genetic characteristics of the individual seeking insurance. They therefore have assumed, without proving, that insurers’ interests lie with proliferating genetic information about insurance seekers.Consequently, from a perspective that gives priority to commercial interests, denying insurers the freedom to obtain genetic information about insurance seekers or holders appears obviously damaging and even unfair. On the other hand, from a perspective that gives priority to the interests of citizens who may use insurance, the greater use of and access to predictive genetic testing sets off ethical alarms.

Sign in / Sign up

Export Citation Format

Share Document