scholarly journals Financial Inclusion, Awareness, and Understanding of Financial Products among People Selected Gewogs (Blocks) of Bhutan

2019 ◽  
Vol 8 (11S2) ◽  
pp. 485-494
Keyword(s):  
Financial Services ◽  
Financial System ◽  
Secondary Data ◽  
Primary Objective ◽  
Financial Inclusion ◽  
Primary Data ◽  
Journal Articles ◽  
Financial Products ◽  
The People ◽  
Survey Finding

The financial products that are being offered by the banks in the contemporary era are significant to enhance the primary objective of the banks that is, ‘Financial Inclusion’ (FI). However, due to umpteen reasons, the banks in many countries have failed streamlining the poor and the majority of the rural folk. Bhutan is not an exception as it is in a landlocked country. The Survey finding (2013) depicted a smaller share of Bhutanese involvement in the formal financial system (48%) whereas larger percentage of them involved in informal financial system. Further, the present Governor of Royal Monetary Authority (The central bank of the country), Dasho Penjor in his discussion on the review of His Majesty’s address on 109th National day Celebration in Trongsa stated that the majority of the rural folks are unable to avail banking services extended by the formal institutions. Besides, financial services can be availed by mass only when banks and other financial institutions run some awareness programmes. There are a few literature on FI in Bhutan in general; however literature on the awareness and understanding of financial products of the people are minimal in the country. The present study, therefore, investigates the scenario of FI along with awareness and understanding of financial products of commercial banks among Bhutanese in four Gewogs (Blocks) of the country that is, Bongo, Chapcha, Darla and Samphelling. The structured questionnaire was designed and primary data from 378 respondents were collected. Further, various articles and papers published in survey findings, magazines, and journal articles are used as secondary data sources of the study. The collected data have been tabulated, analysed, and interpreted with the help of Descriptive statistics, Independent t-test and Analyses of Variance (ANOVA).

scholarly journals Financial Inclusion through Islamic Banking

2017 ◽  
Vol 6 (2) ◽  
pp. 324
Author(s):  
Mumna Nazar
Keyword(s):  
Financial Services ◽  
Banking System ◽  
Secondary Data ◽  
Financial Inclusion ◽  
Primary Data ◽  
Islamic Banking ◽  
Committee Report ◽  
Secondary Sources ◽  
The People ◽  
Financial Exclusion

<div><p><em>Financial inclusion is a buzz word today. It plays an important role in driving away the poverty from the country. Financial inclusion is the process of ensuring financial services to the weaker sections of the society at an affordable cost. As per the Sachar Committee Report, Muslims in India are financially excluded. Even though they have an account, the extent of usage is very low due to the religious reasons.  The Non-Muslims also do not actively engage in the formal financial system due to the interest involvement. Islamic Bank can serve as a remedy for the financial exclusion of the Muslims as well as Non-Muslims community. The objective of this paper is to understand the extent of financial inclusion among the people in Kerala and their awareness and preference towards Islamic banking. Both primary and secondary data are collected for the study. Secondary data are collected from various secondary sources like published articles, journals, reports, books and websites. Primary data are collected with the help of questionnaire among people in Kerala. The study revealed that most of the respondents have accessed bank accounts but the extent of usage is only for namesake. Moreover the awareness and preference towards Islamic Banking is very high among the Muslims as well as Non-Muslims and suggested that proper care must be taken for introducing Islamic banking system in India. It will ultimately leads to the inclusive growth of our country.</em></p></div>

scholarly journals Socio-economic Conditions of Flood Affected People of Northern Districts in Bangladesh

2021 ◽  
Vol 10 (2) ◽  
pp. xx-xx
Author(s):  
Omar Faruque
Keyword(s):  
Secondary Data ◽  
Modern Technology ◽  
Primary Objective ◽  
Economic Conditions ◽  
Primary Data ◽  
Survey Method ◽  
Negative Effects ◽  
The People ◽  
Before And After ◽  
The Government

In 2017, the death toll from floods sweeping in northern areas of Bangladesh has climbed above 150. In Dinajpur, Rangpur, Lalmonirhat, Kurigram and Thakurgaon more than 57.18 lakh people have been affected by flood and 6.11 lakh hectares of land damaged by floods in 32 districts Flood is an important natural disaster that deeply destroys the infrastructure and socio-economic conditions of the area. After the flood, the flood victims are feeling very unlucky. Their crops are totally destroyed. They are uncertain about their future. They do not know what would be happened in tomorrow. This study is conducted to find out the real situations of the flood victims of the said areas. The primary objective of this study is to provide a review of the socio-economic conditions of flood-affected people of northern districts in Bangladesh. To develop the paper, primary as well as secondary data is used. The quantitative, as well as qualitative analysis, is conducted for the study. Primary data is collected through a set of well-structured questionnaires. To collect the primary data, a personal survey method is used. Computerized modern technology is applied in the coding, tabulating, and processing of data. The victims are asked for their perceptions of life. It reveals that no victim is extremely pleased with their life before and after the flood, and 35% of victims were pleased before the flood, but after the flood, that rate is reduced to 8%. On the other hand, 5% of victims were extremely displeased, but after the flood that is increased to 17%. Floods have huge consequences on people, economics, and the environment. Flooding of regions used for socioeconomic activities produces a variety of negative effects. The government has various programs for food, housing, medical, and education but that is not enough. It is very little than the affected people. Providing adequate support for flood-affected people and preventing floodwaters can save the people of the river basin. It is also revealed that, by solving some problems locally, some nationally, and some internationally, it is possible to fill the lives of flood-affected people with laughter and joy.

scholarly journals The Impact of Transformation of Social Assistance on Financial Inclusion and Welfare of Beneficiary Families

2021 ◽  
Vol 16 (1) ◽  
Author(s):  
Arief Fajar Firmansyah ◽  
Suharno Suharno ◽  
Arintoko Arintoko
Keyword(s):  
Financial Services ◽  
Social Assistance ◽  
Secondary Data ◽  
Financial Inclusion ◽  
Primary Data ◽  
Beneficiary Community ◽  
Cash Transaction ◽  
Representative Office ◽  
The Impact ◽  
The City

This study is based on the transformation of the distribution of cash social assistance into non-cash in the City of Tegal. The non-cash distribution is by using a banking account that has a combo card facility, which is a multi-function card that can be used as an ATM card as well as disbursement of social assistance. There is a slice of the objectives of the non-cash transaction referred to as an alternative to accelerate the increase in financial inclusion of the Indonesian population as stated in the National Strategy for Financial Inclusion with the financial inclusion index indicator. This study aims to determine the impact of the transformation of the distribution of social assistance on financial inclusion in Tegal City and the welfare of beneficiary families (KPM). Primary data were collected from questionnaires that have been filled in by KPM and secondary data were obtained from the Central Bureau of Statistics and the Representative Office of Bank Indonesia Tegal. The analytical tool used is a quantitative approach to KPM's response to the distribution of non-cash social assistance. As supporting data, in the problem of financial inclusion, analysis tools are used by qualitatively comparing financial inclusion that is generated as a result of the implementation of the distribution of non-cash social assistance to existing financial inclusion. The analysis shows that the acceptance and perception of KPM supports the transformation of non-cash social assistance distribution, this is supported by KPM's interest in using combo cards as a means of saving. On the other hand, the transformation of the distribution of social assistance to non-cash contributes to financial inclusion in the city of Tegal, namely the Agent Laku Pandai (LKD) contributing 75.20% to banking financial services in Tegal City. From the 4 Welfare Indicator Classifications, it is found that the welfare of KPM has experienced changes in welfare after receiving non-cash social assistance and has improved the welfare of the beneficiary community (KPM).Keywords : Non-Cash Social Assistance, PKH, BPNT

scholarly journals Penggunaan Teknologi Branchless Banking Sebagai Alat Memperluas Inklusi Keuangan Masyarakat Kab. Kampar – Riau

2021 ◽  
Vol 11 (2) ◽  
pp. 251-256
Author(s):  
Fitri Ayu Nofirda ◽  
Dwi Dewisri Kinasih
Keyword(s):  
Data Collection ◽  
Sampling Method ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Primary Data ◽  
Purposive Sampling ◽  
The People ◽  
Regression Test ◽  
Positive Effect

This study aims to see the effect of branchless banking on financial inclusion. The sample in this study amounted to 96 respondents. The sampling technique used was purposive sampling method. Data collection techniques using primary data in the form of questionnaires and secondary data. This study uses a regression test to test the hypothesis. This study found that branchless banking has a positive effect on the financial inclusion of the people of Kampar Regency, Riau.

scholarly journals Financial Inclusion and Saving Culture of Individuals in Uganda: A Case of Central Division, Kabale Municipality

2020 ◽  
Author(s):  
Isaac Musinguzi ◽  
Ayebare Richard ◽  
Elizabeth Muwanguzi
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Financial Inclusion ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Central Division ◽  
Financial Products ◽  
The People ◽  
The Relationship

Abstract The study was about Financial Inclusion and savings in Uganda. A case of central division, Kabale Municipality. Financial Inclusion seeks to overcome the friction that hinders markets from expanding access to, and use of formal financial products and services to a broad number of people. The Objectives of the study were; to examine how access to financial services affects deposits made to formal financial institutions, to find out the effect of usage of financial services on deposits made to formal financial institutions and; to investigate the relationship between quality of financial services available and deposits made to formal financial institutions. The study adopted a cross-sectional survey research design. A sample size of 390 respondents from a population of 15,092 people was used. Findings of the study established a direct positive relationship between Financial Inclusion and savings. The regression results showed that savings as measured by percentage of the respondent’s monthly income earnings that is saved, was influenced by Access to formal financial products and services (p=0.031), usage of formal financial products and services (p=0.015) and Quality of formal financial products and services (p=0.021). The independent variables in the regression model with positive coefficient showed a direct relationship with the dependent variable. Therefore, the study concluded that savings increases proportionately with more access to formal financial products, usage and increase in quality of formal financial products. The study also recommended that financial institutions should create financial products which are tailored to fit various individual needs. Again, these financial institutions should create many outlets through Agent Banking and this would prevent the people from saving in their homes and rather save with the financial institutions since savings do not benefit only the individuals but the economy as a whole.

scholarly journals DAMPAK OBJEK WISATA BUKIT KASIH TERHADAP PENDAPATAN MASYARAKAT DI DESA KANONANG DUA KECAMATAN KAWANGKOAN BARAT

2019 ◽  
Vol 14 (3) ◽  
pp. 355
Author(s):  
Meilan Hardina Wowor ◽  
Gene H. M. Kapantow ◽  
Eyverson ., Ruauw
Keyword(s):  
Scientific Journal ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Journal Articles ◽  
Average Income ◽  
Doing Business ◽  
The People ◽  
Before And After ◽  
The Impact

This study aims to look at the impact of Bukit Kasih tourism objects on the income of the people of Kanonang Dua Village who did business on the tourist attraction area. This research was carried out for 3 months from namely May to July 2018. The data used was primary data, through direct interviews with 30 respondents, namely those who run businesses in the Bukit Kasih Tourism Area. Secondary data obtained through the internet by using google searching to access scientific journal articles and thesis from other universities that relevant with the research. The sampling technique used was purposive sampling. This study used an analysis of the average difference through the t-test, the impact was measured by comparing income before and after doing business in the tourism area. The results showed that there was a significant increase in income for the people who doing business at the Bukit Kasih Tourism Area. The average income of the community before doing business in the tourist area was Rp. 883,333 per month and increased to Rp. 2,390,000 per month after doing business in the Bukit Kasih Tourism Area. This means that the average income increases by 1.506.667,00,- *ghmk+eprm*

scholarly journals Water Symbolism in Yorùbá Folklore and Culture1

2021 ◽  
Vol 4 (1) ◽  
pp. 1-25
Author(s):  
George Olusola Ajibade
Keyword(s):  
Secondary Data ◽  
Primary Data ◽  
Literary Study ◽  
Significant Variable ◽  
Journal Articles ◽  
Southwestern Nigeria ◽  
Religious Identities ◽  
Cultural Perception ◽  
The People ◽  
Anthropological Approach

Water is not only a physical substance; it is also an intrinsic part of peoples’ identity, cultural perception, religious beliefs and worldviews. Water is a relevant and a significant variable that is also germane to the understanding of Yorùbá peoples’ identity, culture and religion. Hence, this ethnographical and literary study examines the image of water in Yorùbá cosmology using folklore (oral texts) of the people as paradigms. It uses a field investigative method of research to elicit primary data from the people on the uses of water in diverse spheres of life. It supplements oral data with secondary data in the form of books, journal articles and archival materials. The data collected was analysed from the lenses of a hermeneutical-anthropological approach. The study found that water constitutes and creates cultural, social and religious identities among the Yorùbá people of southwestern Nigeria. In addition, it concludes that water represents one of the several ways through which the Yorùbá society can be best understood.

ANALISIS YURIDIS PERJANJIAN JUAL BELI MELALUI MEDIA ELEKTRONIK BERDASARKAN KUH PERDATA DAN UNDANG - UNDANG NOMOR 11 TAHUN 2008 TENTANG INFORMASI DAN TRANSAKSI ELEKTRONIK

2020 ◽  
Vol 18 (1) ◽  
pp. 114
Author(s):  
Anggit Rahmat Fauzi ◽  
Ansari Ansari
Keyword(s):  
Descriptive Analysis ◽  
Legal Protection ◽  
Secondary Data ◽  
Electronic Media ◽  
Primary Data ◽  
The Internet ◽  
Legal Problem ◽  
Civil State ◽  
Consumer Protection Act ◽  
The People

The utilization of e-commerce media in the trading world brings impact to the international community in general and the people of Indonesia in particular. For Indonesian people, This is related to a very important legal problem. The importance of law in the field of e-commerce is mainly in protecting the parties who transact through the Internet. The purpose of this study is to know the legal review of the buying and selling agreements through electronic media as well as to know the legal protections for sellers and buyers if one of the parties commits a default. The research uses a normative juridical method of approach and the discussion is done in a descriptive analysis. The source and type of data used are primary data and secondary data. While the data collection techniques using literature studies, and the data obtained will be analyzed qualitatively. The agreement to buy and sell through electronic media is a new phenomenon that has been implemented in various countries and regulated in the Civil state nor law ITE. Legal protection for the parties in the sale and purchase agreements through electronic media is governed by the consumer protection ACT. Any breach must respond to any loss arising from his or her actions.

Islamic Banking and Finance in Theory and Practice

2005 ◽  
Vol 22 (2) ◽  
pp. 69-86 ◽  
Author(s):  
Abdus Samad ◽  
Norman D. Gardner ◽  
Bradley J. Cook
Keyword(s):  
Financial System ◽  
Primary Objective ◽  
Theory And Practice ◽  
Islamic Banking ◽  
Relative Importance ◽  
Islamic Banks ◽  
Equity Financing ◽  
Banking And Finance ◽  
Financial Products ◽  
Islamic Bank

This paper’s primary objective is to identify the relative importance of various Islamic financial products, in theory and in practice, by examining the financing records of the Bank Islam Malaysia (Berhad) and the Bahrain Islamic Bank. Currently, seven available Islamic financing products are considered viable alternatives to interest-based conventional contracts: mudarabah (trust financing), musharakah (equity financing), ijarah (lease financing), murabahah (trade financing), qard al-hassan (welfare loan), bay` bi al-thaman al-ajil (deferred payment financing), and istisna` (progressive payments). Among these financial products, mudarabah and musharakah are the most distinct. Their unique characteristics (at least in theory) make Islamic banks and Islamic financing viable alternatives to the conventional interest-based financial system. The question before us is to determine the extent of mudarabah and musharakah in Islamic financing in practice. The data are as follows: the average mudarabah is 5% of total financing, and the average musharakah is less than 3%. The combined average of mudarabah and musharakah for the two Islamic banks is less than 4% of the total finance and advances. The average qard al- hassan is about 4%, while istisna` does not yet exist in practice. Murabahah is the most popular and dominates all other modes of Islamic financing. The average use of murabahah is over 54%. When the bay` bi al-thaman al-ajil is added to the murabahah, the percentage of total financing is shown to be 2.68%. This paper also explores some possible reasons why these two Islamic banks appear to prefer murabahah to mudarabah and musharakah.

Utilization Of Healthcare Services To General Patient At Inpatient Unit of Anutapura General Hospital, Palu City

2020 ◽  
Vol 10 (1) ◽  
pp. 35-44
Author(s):  
Fausiah Fausiah
Keyword(s):  
Health Services ◽  
General Hospital ◽  
Health Beliefs ◽  
Secondary Data ◽  
Healthcare Services ◽  
Primary Data ◽  
Utilization Of Health Services ◽  
The People ◽  
Quantitative Descriptive ◽  
Utilization Of Healthcare

The number of inpatient visits in RSU Anutapura Palu, where in 2015 inpatient visits of 5,640, then in 2016 patient visits decreased to 5,451, in 2017 also decreased to 3,999 and in 2018 also decreased Drastic to 1,146 patient visits. This research aims to determine the utilization of health services in patients in general hospitalization in RSU Anutapura Palu. This type of research is quantitative descriptive. Research was conducted from May-June 2019. The population in the study is a visitor (number of hospitalizations) at the General Hospital (RSU) Anutapura Palu. In this case the people who use health services in the General Hospital (RSU) Anutapura Palu recorded as many as 1,146 visitors (patients) in the year 2018. Primary data collection is through questionnaires and secondary data through the study of patient record documents and other supporting documents. The utilization of health services in patients in general hospitalization in RSU Anutapura Palu is well from the aspects of health beliefs, abilities and needs. RSU Anutapura Palu is expected to be able to improve the promotion of health services so that people use the health services provided.  

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