scholarly journals The Effect of Credit Policy System to the Bank’s Health Level (Case Study at PT. Bank Hana)

2019 ◽  
Author(s):  
Novianti Susanto ◽  
Aming Tirta
Keyword(s):  
Significant Role ◽  
Bank Competition ◽  
Credit Policy ◽  
Economic Activities ◽  
Policy System ◽  
Health Level ◽  
Banking Operations

Bank has a significant role in economic activities. This led to tighten the inter-bank competition, especially in terms of lending. The credit policy system is one of the important things in banking operations. Credit policy system is a reference for banks in distributing credit to the customers. In addition the credit policy system may also affect the level of health of a bank.The purpose of this study is to determine how the application of credit policies in PT. Hana Bank influences the level of health. The study was conducted to assess whether the credit policy implemented is in accordance with the provisions regulated by Bank Indonesia. The research was conducted in PT.Hana Bank, a subsidiary of Hana Bank Korea.The results showed that PT. Hana Bank has a credit policy system which is comprehensive and structured. This system provides references and limitation for PT. Hana Bank's lending activities in order to minimize risks that may arise in lending activities. The rating of PT. Hana Bank is measured by the ratio of CAR, Liquidity Ratio, NPL and the LDR. It shows that PT. Hana Bank is in healthy condition, which can be seen from the CAR ratio that is above 8%, NPL ratio that is below 5% and LDR ratio that is below 110%, which has been set by Bank Indonesia.Overall performance of PT. Hana Bank is good and the level of health by implementing a credit policy is right on target.

Tax Amnesties in Tax Reform Policy: A Case Study from Pakistan and Lessons for Developing Economies

2021 ◽  
Vol 12 (1) ◽  
pp. 37-71
Author(s):  
Bahawal Shahryar
Keyword(s):  
Tax Reform ◽  
Developing Economies ◽  
Reform Process ◽  
Economic Activities ◽  
Reform Policy ◽  
Tax Base ◽  
Tax Amnesty ◽  
Targeted Enforcement ◽  
Underground Economies

Abstract An optimally designed tax amnesty scheme can serve as a strategic component in a larger tax reform process. Such a reform can particularly assist in the tax collection efforts of developing economies like Pakistan. Pakistan’s tax amnesty schemes in 2018 and 2019 helped grow the tax base substantially. India’s and Indonesia’s schemes in 2016 also showed promise. My study compares the recent tax amnesties adopted by these three countries (Pakistan, India and Indonesia). Based on these experiences, I propose improvements in the composition of Pakistan’s tax amnesty design. An optimal tax policy cannot rely only on wide-spread enforcement, particularly in countries with large underground economies--like Pakistan, India and Indonesia. Instead, it should focus more on the optimal amnesty design alongside targeted enforcement efforts, aimed especially at documenting and taxing large underground economic activities.

scholarly journals The Wetland Contract as a Tool for Successful Wetland Governance: A Case Study of Ljubljansko Barje Nature Park, Slovenia

2021 ◽  
Vol 13 (1) ◽  
pp. 425
Author(s):  
Katarina Polajnar Horvat ◽  
Ales Smrekar
Keyword(s):  
Wetland Management ◽  
Stakeholder Participation ◽  
Shared Responsibility ◽  
Economic Activities ◽  
Wetland Ecosystems ◽  
Positive Effects ◽  
Management And Development ◽  
Nature Park ◽  
Ljubljansko Barje

Our research focuses on implementing multilevel governance of wetlands to achieve an effective participatory process and its overall positive effects on wetland ecosystems and their protection as well as on local sustainable development. The aim of the research is to develop a methodology for establishing the Wetland Contract, a voluntary agreement to foster sustainable management and development of wetlands, to ensure greater coordination and consensus building between various stakeholders involved in management and to limit conflicts between preservation issues and economic activities in wetlands. The Wetland Contract and the integration process for establishing it in Ljubljansko barje Nature Park proved itself able to overcome conflicts between institutional and legal jurisdiction and is showing itself to be a dynamic path capable of activating a desirable relationship between various interests and supporting new forms of multi-sectoral stakeholder participation in wetland management. It has also contributed to a dialogue and shared responsibility among stakeholders.

Cultural societies and information needs: Croats in New Zealand

2019 ◽  
Vol 68 (8/9) ◽  
pp. 652-673 ◽  
Author(s):  
Maja Krtalić ◽  
Ivana Hebrang Grgić
Keyword(s):  
Content Analysis ◽  
New Zealand ◽  
Significant Role ◽  
Social Life ◽  
Information Dissemination ◽  
Home Country ◽  
Immigrant Communities ◽  
Technological Changes ◽  
Content Type

Purpose The purpose of this paper was to explore how small immigrant communities in host countries collect, disseminate and present information about their home country and their community, and the role of formal societies and clubs in it. Design/methodology/approach This paper presents the results of a case study of the Croatian community in New Zealand. To illustrate how cultural and technological changes affected information dissemination and communication within the community, the case study presents both historical and current situations. Methods used in this case study included a content analysis of historical newspapers published in New Zealand by the Croatian community, content analysis of current webpages and social networking sites, and interviews with participants who have management roles in Croatian societies and communities in New Zealand. Data were collected from December 2018 to February 2019. Findings Formally established clubs and societies, but also informal groups of immigrants and their descendants can play a significant role in providing their members with information about the culture, social life and events of the home country. They also play a significant role in preserving part of the history and heritage which is relevant, not only for a specific community but also for the history and culture of a home country. Originality/value The methodology used in the research is based on data from community archives and can be used for studying other small immigrant communities in New Zealand or abroad. The case study presented in the paper illustrates how the information environment of small immigrant communities develops and changes over the years under the influence of diverse political, social and technological changes.

scholarly journals Indoor Thermal Comfort Analysis: A Case Study of Modern and Traditional Buildings in Hot-Arid Climatic Region of Ethiopia

Urban Science ◽  
2021 ◽  
Vol 5 (3) ◽  
pp. 53
Author(s):  
Haven Hailu ◽  
Eshetu Gelan ◽  
Yared Girma
Keyword(s):  
Thermal Comfort ◽  
Significant Role ◽  
Indoor Environment ◽  
Thermal Sensation ◽  
Climatic Region ◽  
Contributing Factors ◽  
Objective Measurements ◽  
Indoor Thermal Comfort ◽  
Adaptive Comfort

Indoor thermal comfort is an essential aspect of sustainable architecture and it is critical in maintaining a safe indoor environment. Expectations, acceptability, and preferences of traditional and modern buildings are different in terms of thermal comfort. This study, therefore, attempts to evaluate the indoor thermal comforts of modern and traditional buildings and identify the contributing factors that impede or facilitate indoor thermal comfort in Semera city, Ethiopia. This study employed subjective and objective measurements. The subjective measurement is based on the ASHRAE seven-point thermal sensation scale. An adaptive comfort model was employed according to the ASHRAE standard to evaluate indoor thermal comfort. The results revealed that with regards to thermal sensational votes between −1 and +1, 88% of the respondents are satisfied with the indoor environment in traditional houses, while in modern houses this figure is 22%. Likewise, 83% of occupants in traditional houses expressed a preference for their homes to remain the same or be only slightly cooler or warmer. Traditional houses were, on average, in compliance with the 80% acceptability band of the adaptive comfort standard. The study investigated that traditional building techniques and materials, in combination with consideration of microclimate, were found to play a significant role in regulating the indoor environment.

scholarly journals Hydrokinetic Energy Opportunity for Rural Electrification in Nigeria

2018 ◽  
Vol 7 (2) ◽  
pp. 183-190 ◽  
Author(s):  
Ogunjuyigbe Ayodeji Samson Olatunji ◽  
Ayodele Temitope Raphael ◽  
Ibitoye Tahir Yomi
Keyword(s):  
Rural Communities ◽  
Energy Demand ◽  
Optimal Investment ◽  
Rural Electrification ◽  
Economic Activities ◽  
Energy Potential ◽  
Ongoing Research ◽  
Hydrokinetic Energy ◽  
Potential Site

This paper is part of the ongoing research by the Power, Energy, Machine and Drive (PEMD) research group of the Electrical Engineering Department of the University of Ibadan. The paper presents various sites with possible hydrokinetic energy potential in Nigeria with the aim of quantifying their energy potential for rural electrification application. Overview of hydrokinetic technology is also presented with the view of highlighting the opportunities and the challenges of the technology for rural electrification. A case study of using hydrokinetic turbine technology in meeting the energy demand of a proposed civic center in a remote community is demonstrated.  Some of the key findings revealed that Nigeria has many untapped hydrokinetic potential site and if adequately harnessed can improve the energy poverty and boost economic activities especially in the isolated and remote rural communities, where adequate river water resource is available. The total estimated untapped hydrokinetic energy potential in Nigeria is 111.15MW with the Northern part of the country having 68.18MW while the Southern part has 42.97MW. The case study shows that harnessing hydrokinetic energy of potential site is promising for rural electrification. This paper is important as it will serve as an initial requirement for optimal investment in hydrokinetic power development in Nigeria.Article History: Received November 16th 2017; Received in revised form April 7th 2018; Accepted April 15th 2018; Available onlineHow to Cite This Article: Olatunji, O.A.S., Raphael, A.T. and Yomi, I.T. (2018) Hydrokinetic Energy Opportunity for Rural Electrification in Nigeria. Int. Journal of Renewable Energy Development, 7(2), 183-190.https://doi.org/10.14710/ijred.7.2.183-190

scholarly journals Fire Management in Mount Kenya: A Case Study of Gathiuru Forest Station

Forests ◽  
2018 ◽  
Vol 9 (8) ◽  
pp. 481 ◽  
Author(s):  
Kevin Nyongesa ◽  
Harald Vacik
Keyword(s):  
Fire Management ◽  
Secondary Data ◽  
Cost Effective ◽  
Fire Regimes ◽  
Economic Effects ◽  
Ecological Knowledge ◽  
Economic Activities ◽  
Resource Managers ◽  
Management Approaches

This paper proposes an Integrated Fire Management (IFM) framework that can be used to support communities and resource managers in finding effective and efficient approaches to prevent damaging fires, as well as to maintain desirable fire regimes in Kenya. Designing and implementing an IFM approach in Kenya calls for a systematic understanding of the various uses of fire and the underlying perceptions and traditional ecological knowledge of the local people. The proposed IFM framework allows different stakeholders to evaluate the risks posed by fires and balance them with their beneficial ecological and economic effects making it easier for them to develop effective fire management approaches. A case study of the proposed IFM framework was conducted in Gathiuru Forest, which that is part of the larger Mt. Kenya Forest Ecosystem. Focus group discussions were held with key resource persons, primary and secondary data on socio-economic activities was studied, fire and weather records were analysed and the current fire management plans were consulted. Questionnaires were used to assess how the IFM is implemented in the Gathiuru Forest Station. The results show that the proposed IFM framework is scalable and can be applied in places with fire-dependent ecosystems as well as in places with fire-sensitive ecosystems in Kenya. The effectiveness of the proposed IFM framework depends on the active participation, formulation and implementation of the IFM activities by the main stakeholder groups (Kenya Forest Service (KFS), Kenya Wildlife Service (KWS), and the Community Forest Associations (CFA). The proposed IFM framework helps in implementing cost-effective approaches to prevent damaging fires and maintain desirable fire regimes in Kenya.

scholarly journals Bisnis Vlogging dalam Industri Media Digital di Indonesia

2018 ◽  
Vol 15 (1) ◽  
Author(s):  
Jimi Narotama Mahameruaji ◽  
Lilis Puspitasari ◽  
Evi Rosfiantika ◽  
Detta Rahmawan
Keyword(s):  
Social Media ◽  
Digital Media ◽  
Media Studies ◽  
Significant Role ◽  
Support Systems ◽  
Media Industry ◽  
Video Content ◽  
New Business ◽  
Digital Media Studies

This study explores the phenomenon of Vlogger as a new business in the digital media industry in Indonesia. Vlogger refer to social media users who regularly upload a variety of video content with various themes. We used case study to describe and analyze Youtube’s significant role in managing Vlogger communities, and also design support systems to make the communities growth and sustainable. We also explore Vlogger role as Online Influencer. This study is expected to be one of the references related to Vlogger phenomenon in the context of digital media studies in Indonesia.

scholarly journals How Does the Spatial Structure of High-Speed Rail Station Areas Evolve? A Case Study of Zhengzhou East Railway Station, China

2021 ◽  
Vol 11 (23) ◽  
pp. 11132
Author(s):  
Xiaomin Wang ◽  
Jingyu Liu ◽  
Wenxin Zhang
Keyword(s):  
Spatial Structure ◽  
High Speed ◽  
Rapid Development ◽  
Economic Activities ◽  
Land Rent ◽  
High Speed Rail ◽  
Production Factors ◽  
Market Factors ◽  
And Diffusion

The rapid development of high-speed rail (HSR) and station areas has shortened the spatial and temporal distances among cities, improved the accessibility of cities, and affected the spatial agglomeration and diffusion of populations and of social and economic activities. This has led to spatial reconfiguration of production factors within cities, which has the potential to drive the reconstruction of urban spatial structures. Based on POI and land-use data, this paper defines the spatial scope of the HSR station area and explores the characteristics and influencing factors of its spatial structure from the perspective of industry. The study area i is set at 2000 m. Since the opening of the HSR, the industrial distribution has exhibited a significant circular, multi-core, and axial belt spatial structure. The spatial structure of each sub-industry is different. On the whole, internal and external transport and agglomeration economies have significant impacts on the industrial spatial distribution, and land rent has gradually decreased in importance with the development of HSR station areas. The intensity of the effects of different factors varies among different industries. The mechanisms by which the spatial structure of the station area is formed are discussed and include location accessibility, micro-market factors, node station attributes, the availability of a sufficient amount of undeveloped land, the characteristics and needs of HSR passengers, and policies and systems.

scholarly journals Administrative Burden Reduction Policies in Slovenia Revisited

2017 ◽  
Vol 11 (1) ◽  
pp. 28-40
Author(s):  
Luka Kalaš ◽  
Irena Bačlija Brajnik
Keyword(s):  
The Other ◽  
Regulatory Environment ◽  
Economic Activities ◽  
Administrative Burden ◽  
Specific Focus

AbstractThis article explores non-stimulating regulatory environment that can effect economic activities. Specific focus is on the so-called administrative burdens as it has been established that administrative burden reduction is an internationally used policy with questionable outcomes. This is tested on a case study of Slovenian administrative burden reduction policy concluding that administrative burdens are mostly considered unnecessary but to some extent (34.5%) also necessary, however, as a subject of possible optimisation. The most burdensome is time spent in order to comply with regulation, following successiveness of the burdens (one following the other). Additionally,based on the case study policy, we can conclude that businesses are not well informed about government administrative burden reduction policies.

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