scholarly journals Dampak Covid-19 Terhadap Minat Nasabah Pada Produk Gadai Emas Syariah (Rahn) di BPRS Amanah Ummah

2021 ◽  
Vol 4 (2) ◽  
pp. 224-233
Author(s):  
Rizal Fatalbari ◽  
M. Kholil Nawawi ◽  
Sutisna Sutisna
Keyword(s):  
Social Mobility ◽  
Economic Factor ◽  
Economic Factors ◽  
Customer Data ◽  
The Public ◽  
Economic Problems ◽  
Before And After ◽  
Huge Impact ◽  
Number Of Customers ◽  
Emergency Funds

The COVID-19 pandemic that has hit the whole world has had a huge impact on the economy. Household consumption and the fulfillment of basic needs are a problem in the midst of restrictions on social mobility and rampant cases of layoffs. Emergency funds as a fulfillment of needs become important in the midst of a situation of uncertainty about a crisis that will never end. Pawn transactions are a way to get cash by mortgaging their belongings. The rahn contract already exists at BPRS Amanah Ummah and is practiced to help customers in particular and the public in general to obtain direct funds in accordance with sharia principles. This research is a qualitative research that aims to find out whether Covid-19 affects customer interest in sharia gold pawn products and what factors affect customer interest in sharia gold pawn products (rahn) in the Covid-19 era at BPRS Amanah Ummah. Money data collection techniques used are interviews, documentation, questionnaires and observations. The employees of BPRS Amanah Ummah and customers who made pawn transactions became research respondents. The results showed that the covid-19 pandemic caused a decrease in the number of customers. Gold pawn customer data calculated from before and after Covid-19 stated that in 2019-2020 the total pawn customers were 7068 and from 2020-2021 as many as 6960 there was a decrease of 108 gold pawn customers. The economic factor is one of the most important factors in using the pawn services available at the Amanah Ummah BPRS. Economic factors include economic needs or economic problems that hit customers due to the Covid-19 pandemic. This economic factor can be seen by the economic problems it causes that still affect the motives that determine the customer's decision to pawn the goods.

The Influence of Attitudes, Subjective, Norms, and Behavior Controls on Intention to Choose Islamic Banks With Islamic Religiosity as a Moderating Variable (Case Study at Bri Syariah Purwokerto Customers)

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Akhmad Khoyrun Najakh ◽  
Dwiwiyati Astogini ◽  
Sri Martini
Keyword(s):  
Behavioral Control ◽  
Sampling Technique ◽  
Subjective Norm ◽  
Subjective Norms ◽  
Islamic Banks ◽  
Control Behavior ◽  
Before And After ◽  
And Behavior ◽  
Number Of Customers

The purpose of this study was to analyze the influence of attitudes on the intention to choose Islamic banks, to analyze the effect of subjective norm on the intention to choose Islamic banks. to analyze the effect of the control behavior of the intention to choose the Islamic banks, to analyze the moderating influence of religiosity on the relationship attitudes, subjective norms and behavioral control of the intention to choose the Islamic banks . The method used is a survey with a sampling technique used purposive sampling with a sample size of this study was 100 respondents . Further analysis tools used in this study is multiple regression analysis using SPSS 16.0 software . Based on this study it can be concluded that the attitude does not affect to the intention of choose Bank BRISyariah. Subjective norm positive effect on intention choose Bank BRISyariah. Control behavior does not affect to the intention choose Bank BRISyariah. Relationship between Attitudes, Subjective Norms and Behavior Control with the intention to select Bank BRISyariah not moderated by religiosity.Based on these conclusions can be said that the Bank BRISyariah should improve understanding related to the subjective norm in order to increase the number of customers who use the services of Islamic Banking . Further research is recommended in order to follow up and develop this research to further explore the independent and dependent variables continued before and after behavioral intention or intention to perform a specific action .

The Challenges in Dealing with Organized Crime and its Consequences in Modern Societies in Albania, Kosovo and Macedonia – the Balkan Peninsula

2015 ◽  
Vol 5 (1) ◽  
pp. 161
Author(s):  
Bashkim Selmani ◽  
Bekim Maksuti
Keyword(s):  
Organized Crime ◽  
Balkan Peninsula ◽  
Human Mind ◽  
Negative Consequences ◽  
The Public ◽  
Before And After ◽  
History Of ◽  
European Standards ◽  
Organized Crime Groups ◽  
Further Development

The profound changes within the Albanian society, including Albania, Kosovo and Macedonia, before and after they proclaimed independence (in exception of Albania), with the establishment of the parliamentary system resulted in mass spread social negative consequences such as crime, drugs, prostitution, child beggars on the street etc. As a result of these occurred circumstances emerged a substantial need for changes within the legal system in order to meet and achieve the European standards or behaviors and the need for adoption of many laws imported from abroad, but without actually reading the factual situation of the psycho-economic position of the citizens and the consequences of the peoples’ occupations without proper compensation, as a remedy for the victims of war or peace in these countries. The sad truth is that the perpetrators not only weren’t sanctioned, but these regions remained an untouched haven for further development of criminal activities, be it from the public state officials through property privatization or in the private field. The organized crime groups, almost in all cases, are perceived by the human mind as “Mafia” and it is a fact that this cannot be denied easily. The widely spread term “Mafia” is mostly known around the world to define criminal organizations.The Balkan Peninsula is highly involved in these illegal groups of organized crime whose practice of criminal activities is largely extended through the Balkan countries such as Kosovo, Albania, Macedonia, Serbia, Bosnia, Croatia, Montenegro, etc. Many factors contributed to these strategic countries to be part of these types of activities. In general, some of the countries have been affected more specifically, but in all of the abovementioned countries organized crime has affected all areas of life, leaving a black mark in the history of these states.

GREEN BONDS AS A NEW FINANCIAL INSTRUMENT

2020 ◽  
Vol 3 (7) ◽  
pp. 98-102
Author(s):  
M. V. DUBROVA ◽  
◽  
N. N. ZHILINA ◽  
Keyword(s):  
Raw Materials ◽  
Financial Burden ◽  
Environmental Problems ◽  
Green Economy ◽  
Non Profit ◽  
The Public ◽  
Economic Problems ◽  
Green Finance ◽  
Non Profit Organizations

The relevance of the article is determined by the fact that in Russia there is no effective mechanism of state support for the activities of non-profit organizations in the field of “green Finance”. The role of non-profit organizations is leveled, which can become a serious help in solving economic problems, in particular, the problems of recycling and processing of secondary raw materials, the placement of industrial waste and household garbage, and landscaping of large megacities. The main financial burden in the field of “green economy” falls on States and large enterprises. Meanwhile, we cannot ignore the important role of non-profit organizations that can not only draw attention to environmental problems to the public, but also offer their own measures to solve environmental problems. In this regard, it becomes relevant to consider the participation of non-profit organizations in the implementation of environmental projects by attracting “green Finance”.

Accounting and Control as Mechanisms for Solving Economic Problems as Viewed by Russian Citizens of the Perestroika Era (Based on the Analysis of Letters to the Authorities)

2020 ◽  
pp. 15-28
Author(s):  
Ol’ga D. Popova ◽  
Keyword(s):  
Economic Reforms ◽  
Soviet Economy ◽  
Mikhail Gorbachev ◽  
The Public ◽  
Economic Problems ◽  
Cooperative Movement ◽  
Administrative Reforms ◽  
Regulatory Measures ◽  
And Control ◽  
Boris Yeltsin

This article deals with the public attitude toward the economic reforms of 1989–1990, specifically, the citizens’ suggestions on how to improve the country’s economy. The author analyses previously unpublished letters written by Russian citizens and addressed to the country’s leaders (Boris Yeltsin and Mikhail Gorbachev) or sent to Soviet newspapers. To investigate people’s mental attitudes, the article focuses not only on social polling, but also on emotions, feelings, and thoughts shared by the letterwriters. The author of this article maintains that many citizens feared that the country would be swept away by the avalanche of capitalism and were prejudiced against perestroika-induced innovations. Habitual mental attitudes were undermined by the cooperative movement and private entrepreneurship. Various unrealistic and paradoxical suggestions were not infrequently made by the letter-writers who knew very little, if anything, about market economy. The majority of people suggested that command economy with its bureaucratic flavour should be improved. The analysis shows that Russian citizens’ mental attitudes were predominantly shaped by the notion of a bipolar world, as well as by Vladimir Lenin’s teaching about the socialist state and its role in the accounting and control over the Soviet state. The letters demonstrate that Russian citizens hoped to upgrade the Soviet economy through improvements introduced into the system of accounting and control, through harsher regulatory measures imposed on the economic system, as well as through rationing and strictly supervised distribution of goods. Many people believed that socialism was inviolable and that the Soviet economy could be improved by means of administrative reforms.

Real Earnings Management before and after Reporting SOX 404 Material Weaknesses

2015 ◽  
Vol 30 (1) ◽  
pp. 119-141 ◽  
Author(s):  
Tuukka Järvinen ◽  
Emma-Riikka Myllymäki
Keyword(s):  
Earnings Management ◽  
Internal Control ◽  
Internal Controls ◽  
Real Earnings Management ◽  
Public Disclosure ◽  
High Quality ◽  
The Public ◽  
Material Weaknesses ◽  
Internal Control System ◽  
Before And After

SYNOPSIS The purpose of this study is to investigate whether SOX Section 404 material weaknesses manifest in real earnings management behavior. The empirical findings indicate that, compared to companies with effective internal controls, companies with existing material weaknesses in their internal controls engage in more manipulation of real activities (particularly inventory overproduction). This implies that the weak commitment by management to provide effective internal control system and high-quality financial information relates to a tendency to use real earnings management methods. Moreover, we find evidence suggesting that companies employ real earnings management (overproduction and reduction of discretionary expenses) after disclosing previous year's material weaknesses. We conjecture that the public disclosure of material weaknesses induces management to strive to mitigate the expected negative reactions of stakeholders to the disclosure by engaging in real earnings management, which is not easily detected or constrained by outsiders. Overall, this study suggests that material weaknesses in internal controls signal an environment where management is more inclined to employ real earnings management.

Financial Crises and the Public Discourse on Financial Elites

2018 ◽  
Author(s):  
Youssef Cassis ◽  
Giuseppe Telesca
Keyword(s):  
Great Depression ◽  
Great Recession ◽  
Public Discourse ◽  
Codes Of Conduct ◽  
The Public ◽  
The Great Recession ◽  
The Great Depression ◽  
Early Twenty ◽  
Before And After ◽  
Late Twentieth

Why were elite bankers and financiers demoted from ‘masters’ to ‘servants’ of society after the Great Depression, a crisis to which they contributed only marginally? Why do they seem to have got away with the recent crisis, in spite of their palpable responsibilities in triggering the Great Recession? This chapter provides an analysis of the differences between the bankers of the Great Depression and their colleagues of the late twentieth/early twenty-first century—regarding their position within, and attitude towards the firm, work culture, mental models, and codes of conduct—complemented with a scrutiny of the public discourse on bankers and financiers before and after the two crises. The authors argue that the (relative) mildness of the Great Recession, compared to the Great Depression, has contributed to preserve elite bankers’ and financiers’ status, income, wealth, and influence. Yet, the long-term consequences of their loss of reputational capital are difficult to assess.

Funding models and expenditures with primary healthcare in Salvador, Bahia, Brazil metropolitan area

2020 ◽  
Vol 30 (Supplement_5) ◽  
Author(s):  
T Vivas ◽  
M Duarte ◽  
A Pitta ◽  
B Christovam
Keyword(s):  
Public Health ◽  
Metropolitan Area ◽  
Primary Healthcare ◽  
Healthcare Services ◽  
Ministry Of Health ◽  
Healthcare Budget ◽  
Health Budget ◽  
The Public ◽  
Before And After ◽  
The Government

Abstract Background The government investments in quality primary healthcare are the basis to strengthening the health systems and monitoring the public expenditure in this area is a way to assess the effectiveness and efficiency of the public health policies. The Brazil Ministry of Health changed, in 2017, the method of onlending federal resources to states and cities seeking to make the public funds management more flexible. This change, however, suppressed mandatory investments in primary healthcare. This research aims to determine the difference of expenditures on primary healthcare in Salvador, Bahia, Brazil metropolitan area before and after this funding reform, seeking to verify how it can impact the quality of primary healthcare services and programs. Methods This is an ecological time-series study that used data obtained in the Brazil Ministry of Health budget reports. The median and interquartile range of expenditures on primary healthcare (set as the percentage of total public health budget applied in primary care services and programs) of the 13 cities in the Salvador metropolitan area were compared two years before and after the reform. Results The median of expenditures on primary healthcare in Salvador metropolitan area was 25.5% (13,9% - 32,2%) of total public health budget before and 24.8% (20.8% - 30.0%) of total public health budget after the reform (-0.7% difference). Seven cities decreased the expenditures on primary healthcare after the reform, ranging from 1.2% to 10.8% reduction in the primary healthcare budget in five years. Conclusions Expenditures on primary healthcare in Salvador metropolitan area decreased after the 2017 funding reform. Seven of 13 cities reduced the government investments on primary healthcare services and programs in this scenario. Although the overall difference was -0.7%, the budget cuts ranged from 1.2% to 10.8% in the analyzed period and sample. More studies should assess these events in wide areas and with long time ranges. Key messages Public health funding models can impact the primary healthcare settings regardless of the health policy. Reforms in the funding models should consider the possible benefits before implementation. Funding models and methods that require mandatory investments in primary healthcare may be considered over more flexible ones.

scholarly journals Changes in the Soundscape of the Public Space Close to a Highway by a Noise Control Intervention

2021 ◽  
Vol 13 (9) ◽  
pp. 5284
Author(s):  
Timothy Van Renterghem ◽  
Francesco Aletta ◽  
Dick Botteldooren
Keyword(s):  
Public Space ◽  
Real Life ◽  
Noise Abatement ◽  
Acoustic Environment ◽  
The Public ◽  
Control Intervention ◽  
Before And After ◽  
Noise Shielding ◽  
Visual Preferences ◽  
The Impact

The deployment of measures to mitigate sound during propagation outdoors is most often a compromise between the acoustic design, practical limitations, and visual preferences regarding the landscape. The current study of a raised berm next to a highway shows a number of common issues like the impact of the limited length of the noise shielding device, initially non-dominant sounds becoming noticeable, local drops in efficiency when the barrier is not fully continuous, and overall limited abatement efficiencies. Detailed assessments of both the objective and subjective effect of the intervention, both before and after the intervention was deployed, using the same methodology, showed that especially the more noise sensitive persons benefit from the noise abatement. Reducing the highest exposure levels did not result anymore in a different perception compared to more noise insensitive persons. People do react to spatial variation in exposure and abatement efficiency. Although level reductions might not be excessive in many real-life complex multi-source situations, they do improve the perception of the acoustic environment in the public space.

Does uncertainty boost overconfidence? The case of financial analysts' forecasts

2014 ◽  
Vol 40 (3) ◽  
pp. 300-324 ◽  
Author(s):  
Véronique Bessière ◽  
Taoufik Elkemali
Keyword(s):  
Stock Returns ◽  
Private Information ◽  
High Tech ◽  
Cross Sectional ◽  
Forecast Dispersion ◽  
Content Type ◽  
The Public ◽  
Public Announcement ◽  
Before And After ◽  
Sectional Analysis

Purpose – This article aims to examine the link between uncertainty and analysts' reaction to earnings announcements for a sample of European firms during the period 1997-2007. In the same way as Daniel et al., the authors posit that overconfidence leads to an overreaction to private information followed by an underreaction when the information becomes public. Design/methodology/approach – In this study, the authors test analysts' overconfidence through the overreaction preceding a public announcement followed by an underreaction after the announcement. If overconfidence occurs, over- and underreactions should be, respectively, observed before and after the public announcement. If uncertainty boosts overconfidence, the authors predict that these two combined misreactions should be stronger when uncertainty is higher. Uncertainty is defined according to technology intensity, and separate two types of firms: high-tech or low-tech. The authors use a sample of European firms during the period 1997-2007. Findings – The results support the overconfidence hypothesis. The authors jointly observe the two phenomena of under- and overreaction. Overreaction occurs when the information has not yet been made public and disappears just after public release. The results also show that both effects are more important for the high-tech subsample. For robustness, the authors sort the sample using analyst forecast dispersion as a proxy for uncertainty and obtain similar results. The authors also document that the high-tech stocks crash in 2000-2001 moderated the overconfidence of analysts, which then strongly declined during the post-crash period. Originality/value – This study offers interesting insights in two ways. First, in the area of financial markets, it provides a test of a major over- and underreaction model and implements it to analysts' reactions through their revisions (versus investors' reactions through stock returns). Second, in a broader way, it deals with the link between uncertainty and biases. The results are consistent with the experimental evidence and extend it to a cross-sectional analysis that reinforces it as pointed out by Kumar.

Gestation Period and Its Bio-Psychosocial and Economic Factors Analysis on Toddler Growth and Development

2021 ◽  
Vol 8 (1) ◽  
pp. 026-032
Author(s):  
Nicky Danur Jayanti ◽  
Senditya Indah Mayasari
Keyword(s):  
Growth And Development ◽  
Parental Education ◽  
Family Income ◽  
Economic Factor ◽  
Early Years ◽  
Gestation Period ◽  
Interpersonal Relation ◽  
Economic Factors ◽  
Chi Square ◽  
Infant Birth

The growth and development of toddlers is influenced by hereditary and environmental factors. Genetic factors, biologically have strong influences on toddlers’ growth in their early years of life. While psychologically, a good interpersonal relation of pregnant women with their families will make them more ready to undergo the pregnancy and childbirth. On the other hand, socially, the level of parental education might affect the nutrition intake and parenting patterns. For the economic factor, the level of family income and their ability to provide sufficient nutrition input might affect the nutritional status during gestation. The nutrition input during pregnancy highly contributes to the fetus growth and development. A poor nutrition input during gestation might cause an Intrauterine Growth Retardation (IUGR) and growth and development disorder. This study aimed to analyze the bio-psychosocial and economic factors of gestation period on toddler growth and development. This is a correlational analytic study with 80 mothers and toddlers as the sample. The data was analysed using univariat, bivariate with Chi square and multivariate with logistic regression. The results show that the statistically significant independent variables which influence the growth and development of toddlers are the mother height (p = 0.001), LILA (p = 0.008), family income (p = 0.007), infant birth weight (p = 0.009) and family support (p = 0.013). While the statistically insignificant independent variable is the mother level of education (p = 0.086).

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