scholarly journals Peran Komunitas Dalam Meningkatkan Literasi Dan Inklusi Keuangan Syariah

Author(s):  
Galih Tegar Febrianto ◽  
Faza Ghulam Ahmad ◽  
Imamul Arifin

Financial literacy and inclusion is a degree that shows how the public has understood and used financial products optimally. The reality shows that the level of literacy and financial inclusion in Indonesia is still at 38%. That means only 38 people out of 100 people can know and understand financial products well. On the other hand, the community has been known as a forum that unites communal Indonesians. Here the community is become a mediator and accelerates the increase in financial literacy and inclusion. Potential owned by the community at least include (1) helping to sustain the National Strategy on Financial Literacy in Indonesia; (2) mediators for the development of Islamic financial literacy and inclusion through social capital; and (3) open cooperation with participatory culture

2020 ◽  
Vol 15 (1) ◽  
pp. 27
Author(s):  
Elizabeth Fiesta Clara SB ◽  
Astrie Krisnawati

ABSTRACT Financial inclusion is proven to decrease poverty and social gap if it is done maximally. Gunungkidul regency as one of all regency with the poorest population in Daerah Istimewa Yogyakarta. The determinant factor in successful financial inclusion is financial literacy toward the population themselves. Furthermore, the other factor to accelerate poverty alleviation is the role of the productive population.This research aims to discover the role of social capital as the financial literacy and financial inclusion mediator of Gunungkidul’s Regency productive population. With social capital is expected to be a mediator in improving literacy and inclusion finance.The population in this research is 729.364 productive ages of Gunungkidul’s Regency population and the sample was taken by non-probability sampling technique which produced 424 samples. This study adopted Sobel test also Kenny and Baron method to examine the effect of mediaton of social capital in the relationship between financial literasion and financial inclusion. The result of this study found that social capital proved to partially mediate the association beteen financial literacy and financial inclusion of productivity age in Gunungkidul Regency. Keywords: Poverty, Financial Literacy, Financial Inclusion, Social Capital, Partially Mediation, Gunungkidul Regency. ABSTRAK Gunungkidul termasuk Kabupaten dengan jumlah warga miskin Yogyakarta. Inklusi keuangan dipercaya dapat menurukan kemiskinan apabila dilakukan secara maksmial serta dapat mengurangi kesenjangan sosial. Salah satu faktor penentu keberhasilan inklusi keuangan adalah adanya literasi keuangan pada masyarakat itu sendiri, faktor lain yang dapat mempercepat pengentasan kemiskinan adalah peran masyarakat produktif. Penelitian ini bertujuan untuk mengetahui peran modal sosial sebagai mediator literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul yang diharapkan dapat meningkatkan literasi keuangan dan inklusi keuangan itu sendiri. Populasi penelitian ini adalah masyarakat Kabupaten Gunungkidul berusia produktif sebesar 729.364 jiwa. Pengambilan sampel dengan teknik non-probability sampling menghasilkan sampel sejumlah 424 jiwa. Penelitian mengadopsi dan menggunakan tes Sobel serta metode Baron dan Kenny dalam pengujian pengaruh mediasi modal sosial pada hubungan literasi keuangan dan inklusi keuangan. Hasil penelitian menemukan bahwa modal sosial terbukti secara parsial memediasi hubungan antara literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul. Kata kunci: Usia Produktif, Literasi Keuangan, Inklusi Keuangan, Modal Sosial, Kabupaten Gunungkidul.


2019 ◽  
Vol 31 (2) ◽  
pp. 297 ◽  
Author(s):  
Johanes Widijantoro

The growth of the financial technology (fintech) industry is a necessity as an effort to make financial services more practical and efficient. On the other hand, consumers of financial services are still low in financial literacy levels, especially in considering various risks that can occur in dealing with the fintech industry. Indonesian Financial Services Authority (OJK) is the body responsible for carrying out the protection of consumers of financial services. This article describes how legal matters in the fintech business, which are actually useful and can encourage financial inclusion, but on the other hand have the potential to harm consumers if they are not properly regulated. Existing related OJK Regulations would be examined and what things should be regulated by the OJK so that consumers of financial services are protected amid the development of fintech, will also be elaborated in this article. This article respectively describes the rationality of consumer protection in the financial services, the dynamics of fintech growth and its problems, and an analysis of the role of OJK in the era of fintech industry.


APRIA Journal ◽  
2020 ◽  
Vol 1 (1) ◽  
pp. 11-16
Author(s):  
José Teunissen

In the last few years, it has often been said that the current fashion system is outdated, still operating by a twentieth-century model that celebrates the individualism of the 'star designer'. In I- D, Sarah Mower recently stated that for the last twenty years, fashion has been at a cocktail party and has completely lost any connection with the public and daily life. On the one hand, designers and big brands experience the enormous pressure to produce new collections at an ever higher pace, leaving less room for reflection, contemplation, and innovation. On the other hand, there is the continuous race to produce at even lower costs and implement more rapid life cycles, resulting in disastrous consequences for society and the environment.


2021 ◽  
Vol 29 (1) ◽  
pp. 36-61
Author(s):  
Michael Poznic ◽  
Rafaela Hillerbrand

Climatologists have recently introduced a distinction between projections as scenario-based model results on the one hand and predictions on the other hand. The interpretation and usage of both terms is, however, not univocal. It is stated that the ambiguities of the interpretations may cause problems in the communication of climate science within the scientific community and to the public realm. This paper suggests an account of scenarios as props in games of make-belive. With this account, we explain the difference between projections that should be make-believed and other model results that should be believed.


2018 ◽  
Vol 66 (4) ◽  
pp. 507-531 ◽  
Author(s):  
Michael Großheim

Abstract We know that Helmuth Plessner complained about his anthropological magnum opus, published in 1928, being overshadowed by Heidegger from the beginning. When the latter, in turn, responded to Plessner, for example to his preface to Stufen, it was always anonymously; Heidegger never actually mentioned Plessner in any publication. Plessner on the other hand emphasized that he had developed his concept without any knowledge of Sein und Zeit, even though since 1924, he had shown strong interest in the yet-unknown colleague’s work. Thus, it appeared to the public that they philosophised independently of one another. In fact, the situation is much more complicated. This paper tries, above all, to identify the sources of the peculiar discomfort caused on both sides by the work of the respective other, as well as to delineate the philosophical effects. Notably in Heidegger’s case, not enough is known about this. Heidegger starts out, in the 1920’s, cultivating a strong anti-anthropological affect; however, after his triumphal success, both with his publication and in the institutional field, in 1927/1928, he finds himself in an orientation crisis; it is from this point onwards that traces of Plessner’s anthropology can be found in his thinking. Ultimately, Plessner will prove a serious source of irritation as well as of inspiration for Heidegger. Additionally, from a systematic point of view, the present text retraces the main points of Plessner’s critique (subjectivity, disembodiedness of fundamental ontology). The investigation makes use of a broader corpus of text than was available to Plessner and Heidegger’s contemporaries, and concentrates on two questions: Did Plessner understand his opponent? Is he able to raise valid objections? It becomes obvious that Plessner is right in complaining about disembodiedness (even though his own Leib philosophy remains conceptually diffuse), while some differentiation is advisable concerning the subjectivism charge.


2020 ◽  
pp. 292-344
Author(s):  
Vuk Vukotić

This article compares the language ideologies of language experts (both academic and non-academic) in online news media in Lithuania, Norway and Serbia. The results will reveal that language is understood in diametrically opposed ways amongst Lithuanian and Serbian academic experts on the one, and Norwegian academic experts on the other hand. Lithuanian and Serbian academic experts are influenced by modernist ideas of language as a single, homogenous entity, whose borders ideally match the borders of an ethnic group. Norwegian academic experts function in the public sphere as those who try to deconstruct the modernist notion of language by employing an understanding of language as a cognitive tool that performs communicative and other functions. On the other hand, non-academic experts in all the three countries exhibit a striking similarity in their language ideologies, as the great majority expresses modernist ideals of language.


2014 ◽  
Vol 3 (1) ◽  
pp. 57
Author(s):  
Abdelaziz Ghanemi ◽  
Besma Boubertakh

Pollution  represents  a  problem  common  to economy and  public  health. Indeed, the public health, because of the  divers’  type of pollutions, is facing divers challenges for which urgent solutions are required.The biology provides approaches not only to deal with the pollution, but also to  obtain  economic  benefits. Some living  organisms  have  particular metabolisms  that allow  them  to  assimilate  and  metabolite  the polluting agents  and thus reduce the  impact  they have on both environment  and public health.  On  the other  hand,  the  metabolic  properties  of  specific organisms make  the  polluting  elements raw materials to  synthesize  other elements that are benefits  for  economy  and  non-toxic  for  the  ecology and  the  biohealth. Yet, other options such as the regulations and laws are  required  to improve the efficiency of these approaches.


2021 ◽  
Vol 19 (2) ◽  
pp. 91
Author(s):  
Novita Ratna Satiti ◽  
Chalimatuz Sa'diyah

This study aims to analyze the effect of financial literacy on financial behavior in the community in Malang district. The design and approach used is the mix method. The data used in this study are primary in the form of literacy and financial behavior of the public, and secondary data in the form of financial institution information in the Malang Regency. Samples of farmers in 33 districts were selected using Multi Stage Random Sampling. Data was collected by observing, interviewing and distributing questionnaires. The result showed that the interaction between financial literacy and finance house significantly affects financial behavior. Financial literacy is to have the ability and knowledge of concept and risk, and skill to make more effective decision in finance individually, in a family, and in society. The finance house would help the society to know how to come into decision in managing their finance. It would change the society’s behavior from having lack of knowledge, ability, and belief in financial products and services to having them comprehensively, including knowing features, risks, and advantages of financial products and services. Additionally, it is expected that the society would have ability in using the financial products and services.


Author(s):  
Arsyad Abd. Gani

Penelitian ini bertujuan untuk mengetahui pengaruh utilitas multimedia dan gaya belajar siswa terhadap prestasi belajar siswa pada IPS terpadu. Data dikumpulkan melalui survei beberapa bulan ke Sekolah Menengah Umum SMP Negeri 13 Mataram. Melibatkan 108 siswa telah dipilih secara sistematis dari populasi target 240 siswa baik mereka yang gaya belajar visual atau pendengaran yang dipilih dengan cermat. Data dikumpulkan melalui tes prestasi belajar dan dianalisis secara statistik dengan menerapkan serangkaian perhitungan Anova. Penelitian mengungkapkan bahwa penggunaan multimedia secara efektif meningkatkan prestasi belajar siswa untuk kedua gaya belajar. Di sisi lain, penggunaan media konvensional tidak membawa dampak signifikan terhadap prestasi belajar siswa baik pada gaya belajar visual maupun auditori. Akhirnya, disarankan kepada para guru terutama untuk memberikan banyak perhatian pada pemanfaatan multimedia dalam pengajaran terutama dalam pengajaran ilmu sosial. Demikian pula, disarankan kepada guru untuk mempertimbangkan gaya belajar siswa. The research was aimed at finding out the effect of the utilities of multimedia and the students learning styles towards the students’ learning achievement on socil science. The data were collected through a couple of month surveys to the Public Secondary Schools of SMP Negeri 13 Mataram. Involving 108 students had been sistematically selected from the target population of 240 students either those who visual or auditory learning styles which was selected carefully. The data were collected through learning achievement test and analized statistically by applying a series of Anova computations. Research reveals that the use of multimedia was effectively improving the students’ learning ahievement for both styles of learning. On the other hand, the use of convensional media was not brought with it any significant effect to the students’ learning achievement either on visual nor auditory learning styles. Finally, it is suggested to the teachers especially in order to pay much attention to the utilization of multimedia in teaching especially in teaching social science. Similarly, it was also suggested to the teachers in order to take into account the students’ learning styles.


2018 ◽  
Vol 166 ◽  
pp. 99-107
Author(s):  
Shino Maeda

Image of maternal love in Grigory Chukhray’s The QuagmireMemories of the Great Patriotic War contributed to the making of a national identity in Soviet Russia, and clear gender roles are evident in Soviet propaganda war art. The image of male soldiers demonstrates the obligation to defend the fatherland against the outside enemy. On the other hand, there are images of a mother cheering for her son or a mother lamenting over a fallen soldier. It is clear that the female image belongs to the reproductive function of motherhood. The establishment presents an ideal and urges the public to internalize it by themselves. Grigory Chukhray’s film The Quagmire’s 1977 mother, however, hides her young son, who was conscripted to the front. The  film casts doubt on the Soviet war myth and asks “Why do mothers have to be reconciled to lose their sons in order to defend the fatherland?” That’s why the military purged the film from the screen. Obraz miłości macierzyńskiej w filmie Grigorija Czuchraja TrzęsawiskoWspomnienia i obrazy Wielkiej Wojny Ojczyźnianej odegrały ważną rolę w kształtowaniu tożsamości obywateli Rosji Radzieckiej. W sowieckiej propagandzie wojennej wyraźnie widać hierarchię genderową. Wizerunek żołnierza mężczyzny odnosi się do obowiązku obrony ojczyzny przed zewnętrznym wrogiem. Natomiast wizerunek matki wiwatującej na cześć zwycięstwa syna lub rodzicielki lamentującej nad poległym żołnierzem kojarzony jest z macierzyństwem. Film Grigorija Czuchraja Trzęsawisko Трясина opowiada historię matki ukrywającej powołanego do wojska i wezwanego na front syna. Film, który wkrótce po premierze wycofano z  dystrybucji, stawia pytania dotyczące funkcjonowania radzieckich mitów wojennych oraz sytuacji kobiet, które nie chcą się pogodzić ze śmiercią swych synów broniących ojczyzny.


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