scholarly journals Savings Behavior of Government Salaried People in Unakoti District of Tripura

2021 ◽  
Vol 9 (1) ◽  
pp. 26-37
Author(s):  
Sukharanjan Debnath
Keyword(s):  
Rural Areas ◽  
Financial Literacy ◽  
Secondary Data ◽  
Primary Data ◽  
Dependency Ratio ◽  
Government Employees ◽  
Savings Behavior ◽  
Daily Rate ◽  
Savings Rate ◽  
The Government

As per rules, the Savings practice of Government salaried people is mandatory up to a stipulated amount of monthly salary. According to GPF, EPF and NPS Rules, a predetermined amount is deducted by the employer at source for the future wellbeing of the concerned employee and invest to GPF, EPF, NPS, etc. In addition to these mandatory savings, employees can save their money to other savings instruments according to their capability and other conditions. As most of the government employees in Unakoti district of Tripura are working with small designations and salaries, they are not able to save more in addition to mandatory savings. Fixed Pay Employee (FPE), Contract Base Worker (CBW), Per Time Worker (PTW), Monthly Pay Worker (MPW), Daily Rate Worker (DRW) are the working conditions where employees get less amount of salary in comparison to regular employees. Under these conditions, their savings rate is also low in comparison to other employees. Other Sources of income, spouse job, dependency ratio, age, literacy level, educational qualification and availability of savings instruments nearby employees are an important aspect for better understanding of savings improvement in the District. The present study entitled “Savings behavior of Government Salaried People in Unakoti District of Tripura” is an empirical study based on primary data and secondary data. The study reveals that the savings rate of salaried people in Unakoti District of Tripura is growing slowly. Financial literacy, reduction of dependency ratio by employment generation programs, Massive awareness program and availability of savings instruments in the rural areas may make a vigorous savings environment in Unakoti District of Tripura.

scholarly journals PENGEMBANGAN KLASTER AGROINDUSTRI DI DESA GONDANGAN KECAMATAN JOGONALAN KLATEN

2016 ◽  
Vol 15 (2) ◽  
pp. 84
Author(s):  
Ida Susi D ◽  
Didik I ◽  
Asih Marini W
Keyword(s):  
Rural Areas ◽  
Local Governments ◽  
Local Community ◽  
Secondary Data ◽  
Primary Data ◽  
Industry Cluster ◽  
The Public ◽  
High Participation ◽  
The Government ◽  
High Level

SMEs snacks in Gondangan village has the potential to be developed. The village has the potential to be Gondangan Agro-industry region, although it is still much that needs to be repaired and prepared.This study aims to determine the attitude of the public about the development of SMEs in rural areas Gondangan into Agro-industry clusters and how community participation in the development of SMEs in rural areas Gondangan to be Agroindustri. Respondents in this study were the leaders and local community leaders, citizens, snack home industry in the region.This study is a descriptive study with a qualitative approach. The data of this study is primary data and secondary data consists of qualitative and quantitative data. Primary data were obtained with the interview and focus group discussion.The results showed that the attitude of the public, snack ho,e industri actor and local governments support the development of the region as an area of Agro-Industry cluster. In terms of participation, the government showed a high participation and support by facilitating a variety of activities to realize the region of Agro-Industry cluster, while the snacks businessman as the main actor of Agro-industry development of the area did not show a high level of participation.

scholarly journals TOURIST VILLAGE REJUVENATION AND OVER-TOURISM MANAGEMENT: THE DESA WISATA NGLANGGERAN LIFECYCLE EXPERIENCE, YOGYAKARTA, INDONESIA

2021 ◽  
Vol 8 (1) ◽  
pp. 01-16
Author(s):  
Kadek Wiweka ◽  
Ramang H. Demolingo ◽  
Subur Karyatun ◽  
Putu Pramania Adnyana ◽  
Iffatunnisa Nurfikriyani
Keyword(s):  
Rural Areas ◽  
Participant Observation ◽  
Secondary Data ◽  
Primary Data ◽  
Research Approach ◽  
Design Strategies ◽  
Massive Growth ◽  
Tourist Village ◽  
The Government ◽  
Urban And Rural Areas

Purpose of the Study: Over-tourism is an issue that is being experienced by many well-known destinations in the world, both in urban and rural areas. The purpose of this research is to find out how the experience of developing a Tourist village is seen from the tourism lifecycle approach. This study also explores the sensitivity of managers to the phenomenon of over-tourism in their village, to design strategies for product rejuvenation. Methodology: This research adopts a historical qualitative research approach. This method is exercised through two data sources. Primary data was carried out through non-participant observation (for four months) in the Nglanggeran tourist village, Yogyakarta to observe and interview tourist village managers, tourism entrepreneurs, workers, and local communities. Meanwhile, Secondary data used include online media articles, scientific writings, and promotional media. Main Findings: The study found that in the tourism area life cycle model approach, tourist villages' growth can be grouped into 6 phases. The exploration phase and stagnation, marked by the start of the Nglanggeran tourist village and massive growth that had environmental, social, and cultural impacts. The management adopts several strategies, including price management, visitor management, and length of stay management. Implication/Applications: This experience is very important to be learned and known by tourism stakeholders, especially tourist village managers and the government which is developing similar tourism products massively throughout Indonesia. The originality of the study: This research is original, and this is the first study that finds out how the experience of developing a tourist village is seen from the tourism lifecycle approach and explores how managers are sensitive to the phenomenon of overtourism in their village. Thus, this scope is expected to be developed in other tourist villages in Indonesia to get generalizations about the development of tourist villages.

scholarly journals WOMEN ENTREPRENEURSHIP: A PARADIGM SHIFT

2019 ◽  
Vol 7 (1) ◽  
pp. 501-504 ◽  
Author(s):  
Nisha Solanki
Keyword(s):  
Rural Areas ◽  
Urban Areas ◽  
Secondary Data ◽  
News Article ◽  
Primary Data ◽  
Public Places ◽  
Family Responsibilities ◽  
Women Entrepreneurship ◽  
The Government ◽  
Observation Method

Purpose of the study: This study focuses on the opportunities, issues, challenges, and government policies for women entrepreneurship in India and the suggested solutions to overcome the problems which women facing while pursuing their business. Methodology: The research design is Exploratory cum Descriptive for the topic ‘Women Entrepreneurship’. This study is based on primary data and secondary data. Primary data was collected by observation method and for secondary data, various journals, governmental reports, news article, online articles, magazines were been studied. The observation has been made in institutions, rural areas, urban areas, and public places. Main Findings: 20% of women residing in rural areas were found not confident for entrepreneurship because of their illiteracy in business. Fear of failure, lack of family support, lack of finance and family responsibilities were found as major reasons for lack of entrepreneurship among women. 40% of women rated 10 out of 10 for the happiness index after being an entrepreneur. Self-satisfaction, happiness, fulfillment, accomplishment, and serving the society with employment, value is also achievement for women entrepreneurship. Applications of this study: This study will be helpful for the students for knowing the demography of entrepreneurship. It will also help the public and especially women to avail various benefits which the government has made available to them.The findings can also define the gap between the launch of benefits and availing the same by women so that corrective actions can be taken. Novelty/Originality of this study: The study will help the reader about the present status of women entrepreneurship in India and also the comparison of women Entrepreneurship sine past years. The study will also make the reader aware of the ranking of India worldwide in terms of Women Entrepreneurship.

scholarly journals Impacts of Cooperative Thrift and Credit Facilities on Members’ Business Output in Ogun State, Nigeria

2018 ◽  
Vol 7 (3) ◽  
pp. 28
Author(s):  
Ezekiel Akerele ◽  
Sheriff Adekunmbi
Keyword(s):  
Rural Areas ◽  
Secondary Data ◽  
Multiple Regression Model ◽  
Primary Data ◽  
Variable Cost ◽  
Fixed Cost ◽  
Access To Credit ◽  
Ogun State ◽  
Multi Stage ◽  
The Government

Cooperatives play an important role in facilitating access to credit, procurement and storage distribution of input and marketing of products. They create employment opportunities particularly in the rural areas and allow disadvantaged groups to be organized for social and economic benefit. This study was conducted in Abeokuta North and Abeokuta South Local Government Areas of Ogun State, Nigeria. Both primary data and secondary data were used for the study. Multi–stage random sample was used to sample 108 cooperative members. Data collected were analysed using descriptive tools, budgetary analysis, logit and multiple regression model. The findings shows that majority (50.9 percent) of the cooperators are male, 77.8 percent were married,59.3 percent were Christians while 98.1 percent were educated.Majority (87.9 percent) had experience ranging from 1 – 10 which is good in business. The total variables cost from business was estimated at N70,983.47, total fixed cost was N276,271 and this accounted for only 79.56 percent of the total cost. Returns on Investment (RRI), Profitability Index (PI), Return on Variable Cost (RRVC) and Operation Ratio (OR) were 181.62%, 0.63, 173.42% and 0.21 respectively. Also some (48.1 percent) of the respondents enjoyed loan benefit, while 40.7 percent enjoyed business improvement benefit.The results showed that start up capital, labour and credit obtained were significant to cooperative members’access to credit. The result revealed that majority (72.2 percent) of the respondents suffered from non-remittance of deduction by the government as their own challenges. The study concluded that cooperative credit societies is very productive and effective in helping members achieving their goals and also improve their standard of living. Cooperatives societies should encourage members in quick accessibility to loan.

scholarly journals Descriptive Analysis of Financial Literacy SMEs in Bandung

2021 ◽  
Vol 12 (1) ◽  
pp. 9-15
Author(s):  
Asni Harianti ◽  
Maya Malinda ◽  
Miki Tjandra ◽  
Devas Kambuno
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Management Training ◽  
Primary Data ◽  
Five Dimensions ◽  
The Government ◽  
The City

One of the supporting factors for the success of MSME is determined by the intelligence of managing finances or known as financial literacy. Financial literacy is a basic requirement that must be possessed by MSME entrepreneurs which is closely related to the knowledge of personal and business financial management, as well as knowledge to gain access to capital through financial services or institutions. This descriptive study aims to see a picture of the level of financial literacy in SMEs in Bandung. The type of data used in this study are primary data and secondary data Primary data obtained through surveys using a questionnaire to see the level of financial literacy (Financial Fitness Quis / FFQ) developed by O'Neil. The questionnaire consisting of 20 practical financial statements, covering 5 (five) dimensions of financial management, was distributed to 343 SMEs in the city of Bandung. Secondary data obtained through observation and study of literature relating to research problems. The results of the study show that MSMEs in the city of Bandung must take actions that need to be considered in the future to improve their finances to avoid financial difficulties. As a form of concern for MSMEs in the city of Bandung and as a form of support for the government, researchers are trying to alleviate the illiteracy of financial actors of MSMEs through appropriate financial management training and making of a simple financial application program SAKA (peSAK Abdi).

DAYA SAING DAN PERAN PEMERINTAH DALAM MENINGKATKAN DAYA SAING KOMODITI KAKAO DI SULAWESI TENGAH

2017 ◽  
Vol 11 (1) ◽  
pp. 69-96
Author(s):  
Siti Yuliaty Chansa Arfah ◽  
Harianto . ◽  
Suharno .
Keyword(s):  
Policy Analysis ◽  
Government Policy ◽  
Secondary Data ◽  
Research Area ◽  
Primary Data ◽  
Cocoa Beans ◽  
Output Analysis ◽  
The Government ◽  
Central Sulawesi ◽  
Policy Analysis Matrix

Penelitian ini bertujuan untuk mengkaji daya saing komoditi kakao di Sulawesi Tengah dan melihat peran pemerintah dalam meningkatkan daya saing komoditi kakao. Data primer berasal dari observasi, wawancara dan kuesioner, sementara data sekunder berasal dari instansi terkait. Metode analisis menggunakan Policy Analysis Matrix (PAM) dan analisis sensitivitas. Penelitian ini menemukan bahwa nilai PCR Kabupaten Parigi Moutong 0,589 dan Kabupaten Sigi 0,396. Sedangkan nilai DRC Kabupaten Parigi Moutong 0,387 dan Kabupaten Sigi 0,319. Hal tersebut mengindikasikan bahwa usahatani komoditi kakao di Sulawesi Tengah memiliki daya saing, namun tidak menguntungkan secara ekonomi karena Sulawesi Tengah menghasilkan biji kakao yang tidak difermentasi akibatnya petani menerima harga rendah. Berdasarkan hasil analisis, pemerintah belum memberikan proteksi terhadap harga biji kakao dalam negeri melalui harga referensi biji kakao sehingga harga biji kakao didaerah penelitian masih tergolong rendah jika dibandingkan dengan harga di pasar internasional. Sementara terhadap input, pemerintah telah memberikan kebijakan subsidi kepada petani, namun implementasinya masih perlu perbaikan terutama terkait penyaluran dan pengelolaan bantuan agar merata. Kajian ini merekomendasikan masih diperlukan kebijakan pemerintah baik terhadap input maupun output untuk meningkatkan produktivitas, menurunkan biaya produksi dan menaikkan harga jual biji kakao, sehingga dapat meningkatkan daya saing biji kakao. The purpose of this study is to assess the competitiveness of cocoa in Central Sulawesi and to investigate the role of government in improving the competitiveness of cocoa. The primary data were generated through observation, interviews and some questionnaires. The secondary data were obtained from the agency or the institution related to the research. This study uses the Policy Analysis Matrix (PAM) and sensitivity analysis. The study found that the PCR value for Parigi Moutong district was 0.589 and Sigi district was 0.396. While, the DRC value for Parigi Moutong district was 0.387 and Sigi district was 0.319. This indicates that cocoa beans farming in Central Sulawesi has competitiveness, but not economically beneficial because Central Sulawesi produces unfermented cocoa beans consequently farmers receive low prices. Based on the results of the government's impact on output analysis, the government did not provide protection for domestic cocoa seed prices through the reference price of cocoa beans, consequently the price of domestic cocoa beans, particularly in the research area, was relatively low compared to the price of cocoa beans at the international market. Seen from the government policy on inputs, the government have provided subsidies to farmers but they need to improve the distribution and management of aid to be evenly distributed. It is necessary to set up good government policy on inputs and outputs in order to increase cocoa seed productivity, decrease production cost and increase the price which simultaneously can improve its competitiveness in the research location.

Internal and External Security Challenges of Nepal

Unity Journal ◽  
2021 ◽  
Vol 2 ◽  
pp. 251-262
Author(s):  
Sumitra Karki
Keyword(s):  
Secondary Data ◽  
Primary Data ◽  
Security Threats ◽  
Cyber Attack ◽  
Secondary Sources ◽  
News Reports ◽  
Security Challenges ◽  
The World ◽  
The Government ◽  
India And China

Nepal has been a home to diversified settlement in terms of ethnicity, religion, dialect and culture since its outset in civilization. It also lies between two great military and economic giants of Asia – India and China – that are hostile to each other. While these bring abundant opportunities for Nepal, it possesses several internal and external security threats. Nepal suffers from cyber-attack, environmental degradation, pandemic, ethnic, racial or religious conflicts, inequality and poverty, extremism, human trafficking, corruption, migration and trans-boundary crime. In addition, Nepal also faces several security threats, traditional and non–traditional, including terrorism and insurgency. These threats possess serious implications on peace and security of Nepal and the South Asian region. There is a need of serious study about the major internal and external security challenges that Nepal faces in recent decades. This study aims at examining some of the major security challenges, explore the factors behind it, and attempt to suggest few policy recommendations to the government of Nepal to deal with them. The study is conducted by reviewing the primary and secondary sources of data. The primary data includes documents of the government agencies, press release, joint statement and organizational reports. It also includes the interviews with security experts, bureaucrats, policy makers and academicians. Similarly, secondary data includes books, news reports, academic journals, seminars report and reports of research institutes and think tanks. The study highlights that Nepal should prepare itself to meet with the emerging internal and external security challenges what have emerged in recent times. With the rise of India and China, two adversarial powers in the region, Nepal possess extreme challenges in days to come. Similarly, hardly any countries of the world had prepared itself to deal with recent pandemic like COVID-19 that has shattered even the most powerful countries of the world. Taking lessons from these, it is time for Nepal to learn and prepare to mitigate the challenges.

Demographic changes and savings behavior: the experience of a developing country

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ebrahim Rezaei
Keyword(s):  
Time Series ◽  
Demographic Data ◽  
Calculated Data ◽  
The Other ◽  
Demographic Changes ◽  
Savings Behavior ◽  
Content Type ◽  
Household Level ◽  
Savings Rate ◽  
The Government

PurposeThis paper aims to disclose the savings behavior of Iran's economy in the context of demographic transition.Design/methodology/approachEmploying a version of Ramsey-Cass-Koopmans growth model, this paper benefits from a broad range of data and variables which are mainly taken from the Central Bank of Iran's database. The study uses actual and calculated data to produce analogous simulated data. The data cover the 1970–2015 period. This long period provides an opportunity to simulate more valid time series. It is worth noting that due to the severe economic sanctions imposed on the Iran's economy, particularly after 2017, some most recent data have been obliterated from the sample.FindingsThe results, stemming from the simulated model, hint that; firstly, the population variable is a notable determinant of the savings rate. Secondly, the effects of a slump in the population growth rate would attenuate the savings level significantly. Thirdly, other pragmatic steps could be taken to redress the fallout of the demographic changes.Research limitations/implicationsThere are some limitations in providing broad data related to economic sectors in Iran. The savings data, for instance, are available as an aggregated time series, and if the authors had wide data of household level, they would have been able to build more detail-based model. Similar to this issue of lack of households’ income-based data, some measures such as high or low levels as well as detailed demographic data could be helpful in sophisticated household level resulting. In addition, the complex relationship between the government and social security (pension) funds, in terms of financing part of government's budget deficit by these funds, thwarts a typical researcher in using comprehensive and transparent government expenditure data in their research. In other words, the possible positive or negative role of the funds, as a related issue to the demographic changes, cannot simply be determined in the model. It might be possible after necessary corrections are carried out in the mentioned relations.Originality/valueIn fact, the problem statement in this paper is to discern how the population aging can impact the saving rates on the one hand, and to what extent its repercussion can be modified by the other theoretical-based determinants on the other. In fact, the underlying argument of the present research arises from the stylized facts concerning prognosticates of the future evolutions of the world's population. To that end, the study will use Iran's economic and demographic data.

scholarly journals PENERAPAN SISTEM KEUANGAN DESA (SISKEUDES) PADA ORGANISASI PEMERINTAHAN DESA (STUDI KASUS DI DESA SUWAAN KECAMATAN KALAWAT KABUPATEN MINAHASA UTARA)

2018 ◽  
Vol 14 (1) ◽  
Author(s):  
Jehan M. Malahika ◽  
Herman Karamoy ◽  
Rudy J. Pusung
Keyword(s):  
Financial System ◽  
Secondary Data ◽  
Positive Influence ◽  
Primary Data ◽  
Research Approach ◽  
Financing System ◽  
Government Organization ◽  
The Government ◽  
Village Government ◽  
The Village

This research aims to analyze the Implementation of Village Financial System (SISKEUDES)  towards the government organization in Suwaan Village Kalawat Subdistrict North Minahasa Regency. This research using qualitative research approach as using primary data, which were in the form of interview and secondary data. The informants are the village head, the village secretaries, and the head of village government affairs. The result showed that : (1) The implementation of Village Financial System in Suwaan Village has running well (2) The procedure of SISKEUDES utilization done by 4 stages which are : Planning, Implementing, Administrating, and Reporting (3) Village Financial System has been giving the positive influence towards the performance of each employee. Therefore, Village Financial System holds an important role upon village government that impact directly by the employee of village. This is as accordance with the purpose on the implementation of Village Financing System which is to assist the work of villagers’ employee.Keywords: Village Financial System, Village Government

scholarly journals The Giving Of Disciplinary Penalty of Civil Servants Based On Government Regulation Number 53 of 2010 in Governments of Demak Regency

2020 ◽  
Vol 2 (4) ◽  
pp. 443
Author(s):  
Muhammad Adib ◽  
Sri Kusriyah Kusriyah ◽  
Siti Rodhiyah Dwi Istinah
Keyword(s):  
Government Regulation ◽  
Positive Impact ◽  
Secondary Data ◽  
Civil Servant ◽  
Civil Servants ◽  
Disciplinary Action ◽  
Primary Data ◽  
Immediate Supervisor ◽  
The Government ◽  
The Impact

Government Regulation No. 53 of 2010 regarding the discipline of the Civil Servant loading obligations, prohibitions, and disciplinary action which could be taken to the Civil Servant who has been convicted of the offense, is intended to foster a Civil Servant who has committed an offense, the form of disciplinary punishment is mild, moderate, and weight. Disciplinary punishment for the Civil Servant under Government Regulation No. 53 of 2010 Concerning the Discipline of Civil Servants. The formulation of this journal issue contains about how the process of disciplinary punishment, and constraints and efforts to overcome the impact of the Civil Servant disciplinary punishment in Government of Demak regency. The approach used in this study is a sociological juridical approach or juridical empirical, that is an approach that examines secondary data first and then proceed to conduct research in the field of primary data normative. The process of giving disciplinary sanctions for State Civil Apparatus in Government of Demak regency begins with the examination conducted by the immediate supervisor referred to in the legislation governing the authority of appointment, transfer and dismissal of civil servants. The results showed that in general the process of sanctioning / disciplinary punishment of civil servants in the Government of Demak be said to be good and there have been compliance with the existing regulations / applied in Government Regulation No. 53 of 2010, although it encountered the competent authorities judge still apply tolerance against the employee, but also a positive impact among their deterrent good not to repeat the same offense or one level higher than before either the Civil Servant concerned or the other. Obstacles in carrying out disciplinary punishment in Government of Demak regency environment is still low awareness of employees to do and be disciplined in performing the tasks for instance delays incoming work, lack of regulatory discipline, lack of supervision system and any violations of employee discipline. There must be constraints to overcome need for cooperation with other stakeholders comprising Inspectorate, BKPP, and the immediate superior civil servants in this way can be mutually reinforcing mutual communication, consultation, coordination so that if later there is a problem in the future could be accounted for.Keywords: Delivery of Disciplinary Sanctions; Civil Servant; Government Regulation No. 53 of 2010.

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