scholarly journals Analysis of the Effectiveness and Prospects of Micro Credit of Baitul Qiradh in Banda Aceh City

2019 ◽  
Vol 3 (1) ◽  
pp. 16
Author(s):  
Endra Gunawan ◽  
Muhammad Ridha Ramli
Keyword(s):  
Financial Institutions ◽  
Average Method ◽  
Data Gathering ◽  
Well Being ◽  
Standard Of Living ◽  
Good Assessment ◽  
Customer Welfare ◽  
Banda Aceh ◽  
Micro Credit

This study aims to analyze the effectiveness and prospects of the microcredit of Baitul Qiradh in Banda Aceh City. Data gathering was carried out by distributing questionnaires to 140 customers from seven Baitul Qiradh. Furthermore, the data were analyzed descriptively using the average method. The study found that in general customers had a good assessment of microcredit channeled by the non-bank financial institutions. Unless useful to encourage the growth of their businesses, microcredit also has an impact on improving their standard of living and well-being. So that they are satisfied with the credit services they receive. Thus it can be concluded that microcredit at Baitul Qiradh in Banda Aceh not only effective for business improvement and customer welfare but also has good prospects in the future.Keywords: Baitul Qiradh, Microcredit, Efectiveness and Prospects.

MODEL UNTUK MENILAI KESIAPAN PEMDA “DKI JAKARTA” DALAM PENGEMBANGAN WILAYAH BERBASIS DUNIA USAHA

2012 ◽  
Vol 11 (1) ◽  
Author(s):  
Puguh Suharso
Keyword(s):  
Data Gathering ◽  
Business Environment ◽  
Standard Of Living ◽  
Achievement Level ◽  
Global Competitiveness ◽  
The People ◽  
Frame Work ◽  
Using Data ◽  
Level Of Effort ◽  
Research Analysis

Globalisation era is surely passed on and to lead the people of the world into social interactive one another and also economical competitiveness. How far is DKI Jakarta Government preparing to be up against the global competitiveness in the frame-work to manifest improving the standard of living like advanced of society. There are some of indicators to be used as well as criterion to measure an achievement level of effort to be advanced of society, i.e infrastructure which needed by entrepreneur like : permission, taxation, laboract, traffic road, customs and harbor, publics infrastructure servicing, landuse, security condition, business financial access, and business environment condition. It was the research analysis be done by using data gathering from entrepreneur opinion at the operational area. The aim of research analysis is to measure how level of each indicator value has DKI Jakarta Government prepared to be up against the global competitiveness ? The research conclusion says that : DKI Jakarta Government has well enough prepared to be up against the global competitiveness. The weakness indicator is just taxation because its category included in bad (goodless) while the other indicators are well enough. The measuring parameters due to weakness taxationare time necessity for servicing to arrange tax, amount and various of region retribution, amount and various of region tax, and clarity of tax arrangement prucedure.

How perceived information transparency and psychological attitude impact on the financial well-being: mediating role of financial self-efficacy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Muhammad Zia-ur-Rehman ◽  
Khalid Latif ◽  
Muhammad Mohsin ◽  
Zahid Hussain ◽  
Sajjad Ahmad Baig ◽  
...  
Keyword(s):  
Financial Institutions ◽  
Self Efficacy ◽  
Well Being ◽  
The Body ◽  
Main Concern ◽  
Productivity Level ◽  
Content Type ◽  
Information Transparency ◽  
Psychological Attitude

PurposeThe basic intention of this research is to investigate the role of information transparency of financial institutions and psychological attitude of the individuals toward their attention to saving and borrowing. This study also tries to know how an individual's psychological factor affects a person's attitude to motivate them to save or borrow and contribute to well-being by giving them confidence that they can face financial challenges. So, the main concern of this study is to explore different factors that ultimately contribute to the financial well-being (FWB) of individual.Design/methodology/approachA survey was conducted by using a well-structured questionnaire to collect data and test the developed hypotheses by using SmartPLS. Data were collected from 120 customers of seven different commercial banks in Pakistan.FindingsThe findings of this study show that perceived information transparency positively affects FWB. It is also because transparent shared information creates positive change in individuals' perceived self-efficacy and leads to FWB. Furthermore, an individual's psychological attitude toward borrowing and saving did not contribute to the FWB of people who belong to Pakistan.Research limitations/implicationsThe research area is limited to one city of Pakistan and analysis is done with small numbers of sample, it can be increased and more areas can be explored.Practical implicationsThis research provides significant implications for people and economists by providing awareness about the antecedents of FWB. The policymakers or managers who work in financial institutions should provide more transparent information and create less risky opportunities to improve the individual's well-being. If person, manager and financial institution can properly utilize the information of this study, then they are able to improve their FWB. By providing more transparent services and favorable experience with your dealings, it could help to obtain and retain more loyal internal (employees) and external customers. The loyal customers and sincere employees can increase the productivity level of organization. The more productive organizations in countries means better society and progress in the economy.Originality/valueThis research contributes to the body of knowledge that how perceived information transparency and psychological attitude of borrowing create improvement and upward changes in the FWB of a person.

ERRATUM

2007 ◽  
Vol 6 (2) ◽  
pp. i-i
Keyword(s):  
Social Policy ◽  
Northern Ireland ◽  
Well Being ◽  
Standard Of Living ◽  
Correct Spelling

Social Policy & Society 6(1) January 2007We apologise for the following mistake in the authorship of the article by Paddy Hillyard, Demi Patsios & Fiona Scullion, 2007, ‘A Daughter to ELSI – NILSI: A Northern Ireland Standard of Living Index or Problematising Wealth in the Analysis of Inequality and Material Well-being’.The correct spelling is ‘Scullion’ and not ‘Sevllion’ (as printed).

Marketing dispossession

2017 ◽  
Vol 35 (1) ◽  
pp. 112-127 ◽  
Author(s):  
Paul Sergius Koku ◽  
Hannah Emma Acquaye
Keyword(s):  
Mental Health ◽  
Financial Institutions ◽  
Mental State ◽  
Well Being ◽  
Small Sample ◽  
Real Property ◽  
Content Type ◽  
Alternative Approach ◽  
Hard Times

Purpose The purpose of this paper is to examine the mental state and the disposition of those who have fallen on hard times during the recent financial crisis and have had their homes foreclosed on or their automobiles repossessed. It also proposes an alternative process for dispossessing individuals that preserves the mental health of such individuals and the banks’ reputation. Design/methodology/approach This study uses the hermeneutics approach to analyze the predicament of those whose homes have been foreclosed on or whose properties have been repossessed by financial institutions to better understand their predicament. Findings Those whose homes have been foreclosed on or whose properties have been repossessed by financial institutions are traumatized. They feel victimized, bitter, helpless and hopeless and have poor mental state. The study draws on theories in counseling psychology to propose an alternative approach to making loans that take long time to be repaid (long-term loans), and for repossessing personal properties such as automobiles and for foreclosing on real property (homes). Research limitations/implications As a qualitative study based on a small sample, the findings of the study are limited to only those who have been studied. A further study that leads to a generalized result will be useful. Practical implications The study develops a practical framework that could be useful to financial institutions in making long-term loans and to foreclose on delinquent loans (i.e. to dispossess individuals). Social implications The proposed strategy, if implemented, could have a significant positive impact on the mental well-being of those who have fallen on financial hard times. Originality/value To the best of the knowledge, this is the first marketing paper that has explored the mental health of those who have defaulted on loans, and has proposed an alternative approach to making long-term loans that not only preserves the mental health of banks’ customers, but also protects the reputation and market share of banks.

scholarly journals A Research on Stress Testing Approach Towards Evaluating Credit Risk of a Financial Institution

2021 ◽  
Author(s):  
S M Nazmuz Sakib
Keyword(s):  
Financial Institutions ◽  
Stress Testing ◽  
Financial Institution ◽  
Well Being ◽  
Status Quo ◽  
Science Theory ◽  
The Future ◽  
Financial Framework ◽  
Economic Well Being ◽  
Credit Institutions

The stress testing methodology should be implemented and applied to the entity's overall financial system at least annually, and if the organization operates in a volatile economy, it should be performed at least twice a year. Finally, managers should include regular training and development sessions for relevant employees of their organization to be fully informed and more informed and informed, considering the evolving science, theory and practicality of a discrete range of stress testing mechanisms that can be appropriately applied to overall financial framework and system of multiple financial institutions and banks. In addition, stress testing is essentially a methodology that collects and analyzes certain future macro-prudential and micro-prudential economic drivers and indicators, the primary purpose of which is to assess the future financial and economic well-being, level of growth and status quo of a financial institution, bank, organization, credit institution or economy or the nation as a whole. In addition, several of these reviews were specifically focused and incorporated into the paper, which substantially and broadly discussed and summarized the importance, feasibility and implementation and conclusions of different stress testing approaches for financial institutions and banks, especially in European and Chinese countries. region. with the primary intention of assessing the future financial and economic well-being, level of growth and status quo of a group of financial institutions, banks, organizations, credit institutions or the economy or the nation as a whole. In addition, several of these reviews were specifically targeted and incorporated into a paper that substantially and broadly discussed and summarized the importance of the feasibility and implementation and conclusions of different stress testing approaches for financial institutions and banks, especially in European and Chinese countries. region. with the primary intention of assessing the future financial and economic well-being, level of growth and status quo of a group of financial institutions, banks, organizations, credit institutions or the economy or the nation as a whole. In addition, several of these reviews were specifically focused and incorporated into the paper, which substantially and broadly discussed and summarized the importance, feasibility and implementation and conclusions of different stress testing approaches for financial institutions and banks, especially in European and Chinese countries. region. the level of growth and status quo of the financial institutions, banks, organizations, credit institutions or the economy or the nation as a whole. In addition, several of these reviews were specifically focused and incorporated into the paper, which substantially and broadly discussed and summarized the importance, feasibility and implementation and conclusions of different stress testing approaches for financial institutions and banks, especially in European and Chinese countries. region. the level of growth and status quo of the financial institutions, banks, organizations, credit institutions or the economy or the nation as a whole. In addition, several of these reviews were specifically focused and incorporated into the paper, which substantially and broadly discussed and summarized the importance, feasibility and implementation and conclusions of different stress testing approaches for financial institutions and banks, especially in European and Chinese countries.

scholarly journals Striving for a “good” family visit: the facilitative role of a prison visitors’ centre

2018 ◽  
Vol 8 (1) ◽  
pp. 33-43 ◽  
Author(s):  
James Woodall ◽  
Karina Kinsella
Keyword(s):  
Evaluation Studies ◽  
Data Gathering ◽  
Third Sector ◽  
Well Being ◽  
Voluntary Sector ◽  
Content Type ◽  
Supportive Environment ◽  
Facilitative Role ◽  
Large Research

Purpose The purpose of this paper is to explore the conditions that create a “good” prison visit, focussing on the role that a dedicated third sector-run prison visitors’ centre plays in creating a supportive environment. Design/methodology/approach This paper draws on a synthesis of empirical data gathering conducted over a decade at a voluntary sector-managed prison visitors’ centre based at a male prison in Northern England. The paper draws specifically on qualitative data gathered through four independent evaluations of the centre over a ten-year period. Findings An important point to emerge from the research is the unwavering importance of the prison visit in the life, well-being and regime of a prisoner. Prison visitors’ centres are shown to be an important part of creating positive visits experiences offering a space for composure and for support for families. Originality/value Many voluntary sector organisations are unable to commission large research and evaluation studies, but are often able to fund smaller pieces of work. Pooling qualitative evidence from smaller studies is a viable way to potentially strengthen commissioning decisions in this sector.

Household finances and social comparison: Determinants of financial well-being in Indonesia

2021 ◽  
Vol 4 (1) ◽  
pp. 81
Author(s):  
Aisyah Amatul Ghina ◽  
Subiakto Sukarno
Keyword(s):  
Social Comparison ◽  
Financial Education ◽  
Well Being ◽  
Standard Of Living ◽  
Current Standard ◽  
Financial Position ◽  
Negative Effect ◽  
Socioeconomic And Demographic Factors ◽  
The Impact ◽  
Positive Effect

To achieve a vision of sustainable financial well-being (FWB) in Indonesia, generating more knowledge in household behavior and FWB is pivotal. This study assesses the impact of household financial position and social comparison on individual FWB in Indonesia. Using the latest wave of Indonesia Family Life Survey (IFLS) dataset, subjective FWB assessed by questions on subjective prosperity, perceived current standard of living adequacy and perceived future standard of living. The empirical analysis shows that net wealth and total assets are also essential determinants and positively related to FWB along with income. On the contrary, though it is only found significant on the perceived current standard of living adequacy, the total debt level has a negative effect on FWB. The findings also confirm that socioeconomic and demographic factors also significantly affect FWB (e.g., being female and more educated has a positive effect on FWB). Furthermore, it also found that relative financial position (i.e., social comparison) has important roles in determining individuals' FWB level. Being above the reference group's average for a particular financial measure (i.e., income and total assets) has a positive effect on an individual's FWB. The findings of this study suggest for promoting financial education in the national school system starting senior high school to increase the level of financial well-being among young adult and people with lower educational attainment.JEL Classification C31; D14; I31

PERSEPSI PENGGUNA JASA PENERBANGAN TERHADAP PELAYANAN MASKAPAI PENERBANGAN GARUDA INDONESIA DI KOTA BANDA ACEH

2014 ◽  
Vol 2 (1) ◽  
Author(s):  
Nadiya
Keyword(s):  
Service Quality ◽  
Key Words ◽  
Sampling Technique ◽  
T Test ◽  
Purposive Sampling ◽  
Good Assessment ◽  
The Difference ◽  
Differentiation Test ◽  
Banda Aceh

To determined whether the service quality of aviation is good can be seen from the ability of the service in achieving the expectation of the customer. This study aims to identify the difference between the expected service and the reality perceived by the customer in relation to the service of Garuda Indonesia airlines in Banda Aceh City.            This study used 99 customers of Garuda Indonesia Airline as the sample which is drawn by applying purposive sampling technique. Data was gathered by using questionnaire and analysis by using statistic tool, average differentiation test (t-test).            The result of statistic test shows t value is greater than the value of t-table. Thus, Ha is accepted while Ho is rejected which means there is average differentiation between the expected service and the perceived service of Garuda Indonesia’s customer            Generally, the customer has relatively good assessment towards the quality of Garuda Indonesia airlines. However, they still hope for better service in order to remains the gap between the expectation and the perceived service. Therefore, it is demanded for the management of Garuda Airlines to improve their provided service quality. Key words: User percepcion, Airline Service and Garuda Indonesia Banda Aceh  

Rural finance and aquaculture.

2020 ◽  
Author(s):  
Md. Rahman
Keyword(s):  
Well Being ◽  
The Self ◽  
Small Scale ◽  
Rural Poor ◽  
Rural Finance ◽  
Self Employment ◽  
Employment Sector ◽  
Rural Aquaculture ◽  
Lending Institutions ◽  
Micro Credit

Abstract The aquaculture sector in Bangladesh has made an enormous and often under-recognized contribution to the well being of the nation; around 2 million t of food fish are produced for local consumption and export earnings. The sector is in transition from subsistence to a commercially oriented sector. Financing of aquaculture and other aquaculture-related activities has not yet attracted enough interest from banks and other money lending institutions in Bangladesh. To ensure the necessary credit flow to the aquaculture sector for dynamic growth, an annual programme-based credit monitoring support has been necessary. The rural aquaculture financial system is fragmented and does not meet the lending and saving needs of the rural poor. Commercial banks and other financial institutions have not responded significantly to the self-employment initiatives of the rural poor and to small-scale aquaculture farmers. The large numbers of micro-credit operating NGOs have played an important role in aquaculture with remarkable success. The disbursement and recovery of micro-credit support by NGOs in the self-employment sector is about twice as large as the disbursement of aquaculture credit by banks (BB, 2003).

scholarly journals Factors Affecting Physical Well-being of Nepalese Children

2018 ◽  
Vol 6 ◽  
pp. 32-36
Author(s):  
Raj Kumar Yadav
Keyword(s):  
Field Survey ◽  
Sampling Methods ◽  
Well Being ◽  
Standard Of Living ◽  
Primary Data ◽  
Factors Affecting ◽  
Community Health Volunteers ◽  
Descriptive Research ◽  
Nepalese Children ◽  
Nutritional Status Of Children

The main objective of this article is to find out the child physical well-belling or nutritional status of children under three years according to demographic, socio-economic, health care, diseases and also standard of living based on primary data. Quantitative and descriptive research design were used to study this article. Out of three hundred ninety five household, one hundred sixty eight respondents (mothers) those whose children seem to be below three years as well as those who seem to be able to give their interview were taken as sample with the help of purposively sampling methods. The data were collected from the field survey in the month of November, 1999 with the help of questionnaire fill-up methods with two Community Health Volunteers (CHVs). All respondents were taken from Yadav, Backward Community like Chamar, Dushadh , Muslim and Amat, and then analyzed.Academic Voices Vol.6 2016: 32-36

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