A Descriptive study to assess the knowledge of Pradhanmantri Jandhan Yojana Among young adult people Bhandu Village of Mehsana District

2021 ◽  
pp. 322-324
Author(s):  
Jinal Patel
Keyword(s):  
Young Adult ◽  
Financial Literacy ◽  
Urban Areas ◽  
Universal Access ◽  
Insurance Coverage ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Research Approach ◽  
Significant Difference ◽  
Bank Accounts

“The Prime minister’s scheme Pradhan Mantri Jandhan Yojana (PMDJY)’ was launched on 28th August 2014 which envisages universal access to banking with a basic banking account with no minimum balance, financial literacy, access to credit insurance and pension. The account holders are benefited with an interest on their deposits, Accidental Insurance Coverage of Rest: 1,00,000/-, Life Insurance Coverage of Rest: 30,000/-, Easy transfer of Money across India, Govt. Schemes Direct Benefit Transfer, Access to Pension and Insurance products and Overdraft facility of up to Rs: 5,000/-. The scheme recorded with opening of15.30 crores accounts as on 29th April 2015, out of which 9.17 crore accounts in rural and 6.13 crores accounts in urban areas. The achievement of this scheme has also taken place in the Guinness Book of World Records for opening most number of bank accounts opened in one week as result of financial inclusion campaign dated August 23 – 29, 2014. The scheme has surpassed original target of opening bank accounts for 7.5 crore excluded households in the country by 26th January 2015 with banks already opening 11.50 crore accounts by 17th January 2015. Objective: To study the need for financial inclusion in India To discuss the salient features and basic pillars of PMJDY. To assess the progress made under the PMJDY. To make some suggestions for smooth functioning of this scheme. Hypothesis: H1: There is no significant association between the Age of the respondents and their First point of contact for getting advices/suggestions on finance H2: There is no significant difference between the Gender of the respondents and their Awareness about the benefits of - Pradhan Mantri Jan – Dhan Yojana (PMJDY)‖ scheme. H3: There is no significant relationship among variables of the benefits of Pradhan Mantri Jan - Dhan Yojana (PMJDY)scheme. Design: Survey-research approach using Descriptive pre-test design with one group. Participation: 50 Adult public were selected using Random sampling technique in Mehsana District. Tool: Self Structured Questionnaire was used to assess the level of knowledge of Adult public regarding PMDJY. Results: Distribution of mean, SD and mean percentage of awareness and knowledge regarding pradhan mantri jandhan yojana score of young adult people shows that the mean score (13.4±2.951) which is 67.00% of total score. Conclusion: The findings of the study revealed that teaching helps in improving knowledge regarding PMDJY among Adult people.

Determinants of Financial Inclusion in Namobuddha Municipality, Nepal

2021 ◽  
Vol 5 (1) ◽  
pp. 60-74
Author(s):  
Jeetendra Dangol ◽  
Anil Humagain
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Control Variable ◽  
Financial Innovation ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Gender Education ◽  
And Control ◽  
Moderating Role

Financial inclusion is a priority agenda in countries like Nepal. The study seeks to determine the access to financial services, financial innovation and quality of financial services to the financial inclusion.The study is based on questionnaire surveydata with363 household respondents using a convenient sampling technique, and carried out in Namobuddha Municipality of Nepal. The moderating effect of financial literacy and control variable of demographic items have been analysed using generalised regression model. The results show that financial innovation and quality of financial services are the significant determinants of financial inclusion; financial literacy is found significant and it plays a moderating role between the variables under study. The findings revealed that the tendency of higher level of financial inclusion was influenced by gender, education level and monthly income.

scholarly journals Some Insights Into Financial Literacy Among Undergraduate Students: A Case of Bosnia and Herzegovina

2021 ◽  
Vol 12 (3) ◽  
pp. 103
Author(s):  
Jasmina Okicic ◽  
Meldina Kokorovic Jukan ◽  
Mensur Heric
Keyword(s):  
Undergraduate Students ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Education ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Attitudes ◽  
Significant Difference ◽  
Financial Behaviour ◽  
The Relationship

The purpose of this research is to provide some insights into financial literacy among undergraduate students focusing primarily on the relationship between financial knowledge, financial attitudes and financial behavior and on possible gender and financial education gap in financial literacy. Using the purposive sampling technique, data collection was carried out from April to June 2020, yielding a sample of 1,046 valid responses. To gain a better understanding of the relationship between financial behaviour, financial attitudes and financial knowledge, we, primarily, use exploratory factor analysis and multiple regression model. The research findings have revealed several important issues. First, findings have suggested that financial knowledge, financial attitudes and gender may be considered as an antecedent of the financial behaviour of undergraduate students. Second, findings have also suggested a statistically - significant difference between the financial literacy of undergraduate students concerning their exposure to formal financial education.

scholarly journals The Influence of Financial Literacy, Lifestyle and Self-Control on the Consumption Behavior of Economic Education Student

2021 ◽  
Vol 8 (8) ◽  
pp. 496-503
Author(s):  
Ririn Eka Fariana ◽  
Bayu Surindra ◽  
Zainal Arifin
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Economic Education ◽  
Self Control ◽  
Research Approach ◽  
Education Student ◽  
Sample Collection ◽  
Descriptive Research ◽  
Consumptive Behavior ◽  
Positive Effect

The purpose of this study was to determine financial literacy and lifestyle as well as self-control on the consumptive behavior of Economic Education students at UNP Kediri. This research approach used a quantitative approach as well as descriptive research techniques and multiple linear regressions. The sample collection used was a purposive sampling technique totaling 46 students. The results of this study indicated that financial literacy had a positive effect and had a significant value on student consumptive behavior, this can be seen in the value of Sig 0.027 <0.05. This lifestyle had a positive effect and had a significant value on the consumptive behavior of students, this could be seen in the value of Sig 0.038 <0.05. Self-control had a positive effect and had a significant value also on the consumptive behavior of students, this could be seen in the value of Sig 0.002 <0.05. Financial literacy, lifestyle and self-control had a significant and significant effect on the consumptive behavior of students, this could be seen in the value of Sig 0.000 <0.05. Keywords: Financial Literacy, Lifestyle, Self Control, Consumptive Behavior.

scholarly journals OCCURRENCE OF IRON DEFICIENCY ANEMIA BETWEEN OVER WEIGHT AND NORMAL WEIGHT ADOLESCENTS IN SELECTED SCHOOLS IN UDUPI DISTRICT

2014 ◽  
Vol 04 (04) ◽  
pp. 033-038
Author(s):  
Sujatha R. ◽  
Reshma Reshma
Keyword(s):  
Iron Deficiency ◽  
Iron Deficiency Anemia ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Normal Weight ◽  
Overweight And Obesity ◽  
Deficiency Anemia ◽  
Research Approach ◽  
Significant Difference ◽  
Overweight Adolescents

Abstract Background: Overweight has become one of the common health concerns. A few studies have noted a possible association between iron-deficiency anemia and overweight. As many as 3crore Indians are overweight, and obesity continues rise, says statistics revealed by the National Family Health Survey (NFHS 2010), Around 20% of school-going children are overweight. Materials and Methods: In this study survey research approach and comparative descriptive design was adopted. The sample size was 300 adolescents. 300 adolescents were selected by convenient sampling technique, out of which 225 were normal weight adolescents and remaining. Among 225 normal weight adolescents 50 adolescents were selected by simple random sampling technique (lottery method) and out of 75 overweight adolescents, 50 overweight adolescents were selected by convenient sampling technique. Initially BMI identified, Talliquis method was used for identifying the anemia. Peripheral smear test used for identifying the iron deficiency anaemia. Results: The data were analyzed by using descriptive and inferential statistics. The result shows that out of 300 adolescents75 (25%) of adolescents were overweight. Out of 100 children (50+50) 19(38%) were anemic in adolescents with overweight and seven (14%) were anemic in adolescents with normal weight. Out of the total 26 adolescents with anemia (19 -overweight and 7- normal weight) no occurrence of iron deficiency anemia was found. There is no significant difference in occurrence of anemia between overweight and normal weight adolescence. Interpretation and conclusion: The findings of the study indicates that majority of the overweight adolescents were anemic compare to normal-weight adolescents. There is no association between the occurrence of anemia and demographic variables like age, food habits, physical activity, menstrual problems etc.

scholarly journals Peran Modal Sosial Sebagai Mediator Literasi Keuangan dan Inklusi Keuangan Pada Kaum Muda di Indonesia (Studi Kasus pada Komunitas Investor Saham Pemula)

2017 ◽  
Vol 10 (3) ◽  
pp. 243
Author(s):  
Rachmat Simbara Saputra ◽  
Andrieta Shintia Dewi
Keyword(s):  
Social Capital ◽  
Sample Size ◽  
Direct Effect ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Probability Sampling ◽  
Younger Generation ◽  
The Relationship

Currently the level of financial literacy and financial inclusion in Indonesian people, especially the younger generation, is still considered very low. Therefore, the role of social capital for improving financial literacy and financial inclusion in society need special attention. Social capital is expected to become a mediator for improving financial literacy and financial inclusion. This study aims to decide the role of social capital as a mediator of the relationship between financial literacy and financial inclusion. In addition, this study also examined the direct effect of financial literacy on financial inclusion. The population of this study were all members of the Investor Saham Pemula Community a number of 320 members. Making sample of this research using non-probability sampling technique with a sample size of 180 samples. This study adopts and uses Sobel and Kenny and Baron test to test the effect of mediation of social capital in the relationship between financial literacy and financial inclusion. The finding in this study is a proven social capital mediates the relationship between financial literacy and financial inclusion and there are no direct effect between financial literacy and financial inclusion. 

scholarly journals The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion

2020 ◽  
Vol 5 (2) ◽  
pp. 231
Author(s):  
Basrowi Basrowi ◽  
Tulus Suryanto ◽  
Erike Anggraeni ◽  
Muhammad Nasor
Keyword(s):  
Significant Influence ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Survey Method ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Study Program ◽  
Independent Variables ◽  
Financial Technology

Purpose: The purpose of this study was to determine the magnitude of the influence of Islamic financial literacy and Islamic financial technology on the inclusion of Islamic finance in students in Lampung Province both partially and simultaneously.Design Methods:The method used is a survey method. The population of this study is all smester V students and above in Islamic Economics Study Program, Islamic Banking. and sharia accounting in all State and Private Universities in Lampung Province, totaling 3080 people. The sampling technique used is proportional grain sampling, as much as 10% of the population of 308 people. Data collected using surveys, with google form. The collected data were analyzed using simple and multiple regression analysis.Findings:Based on the results of the analysis it can be concluded, first, there is a positive and significant influence between the literacy of Islamic finance on Islamic financial inclusion. Second, there is a positive and significant influence between Islamic financial technology on Islamic financial inclusion. Third, there is a positive and significant influence between Islamic financial literacy and Islamic financial technology together on Islamic financial inclusion.Originality Value: Of the two independent variables, sharia financial literacy variables contributed more than sharia financial technology variables to sharia financial inclusion.

scholarly journals The Differences in Self-Medication Factors for Toddler Mothers Between Rural and Urban

2019 ◽  
Vol 3 (2) ◽  
pp. 131
Author(s):  
Jati Untari ◽  
Lisa Kartini
Keyword(s):  
Urban Areas ◽  
Sampling Technique ◽  
Self Medication ◽  
Cross Sectional ◽  
Income Levels ◽  
Rural And Urban Areas ◽  
Central Java ◽  
Rural And Urban ◽  
Significant Difference ◽  
Information Exposure

Introduction: Self-medication occurs in many developing countries in the world, including Indonesia, which can cause a variety of global impacts, namely improper use that can lead to irrational use of drugs, late seeking medical advice, increasing side effects and drug interactions. Self-medication is related to the role of mothers in the household. The purpose of this study to find out the differences in factors that influence maternal behavior in self-medication oftoddler including knowledge, attitudes, income levels, and exposure to information sources between rural and urban areas. Methods: The study was conducted in 2 locations in Gemawang (rural) and Campursari (urban), WonosoboDistrict, Central Java Province. The population of quantitative analytic research with cross sectional design was 78 mothers with children in rural and 75 in urban areas. Data analysis used Kolmogorov-Smirnov because in the normality test the data used shapirowilk from the variables of knowledge, attitudes, income levels and information exposure with self-medication behavior, the result was p = 0.00 (<0.05) so the data was not normally distributed. The sampling technique uses purposive sampling. Results: There were differences in knowledge, attitudes, income levels, and exposure to information about mothers oftoddler of self-medication behavior between rural and urban with a value of p=0,000. Conclusions: The behavior of mothers in self-medication of toddler between rural and urban areas has a significant difference with knowledge, behavior, attitudes, income level, and information exposure.

scholarly journals The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan

2019 ◽  
Vol 15 (1) ◽  
pp. 48-59 ◽  
Author(s):  
Poppy Alvianolita Sanistasya ◽  
Kusdi Raharjo ◽  
Mohammad Iqbal
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Quantitative Approach ◽  
Small Enterprises ◽  
Probability Sampling ◽  
East Kalimantan ◽  
Level Analysis

AbstractThe aim of this paper is to find out the effect of financial literacy on enterprises (SEs) performance and the effect of financial inclusion on small enterprises (SEs) performance. This research is an explanatory research. The sample includes 100 SEs in East Kalimantan. The sample is gathered by using non probability sampling technique. By implementing census approach the data is gathered from all SEs in East Kalimantan. This study was a quantitative approach and data were analyzed using PLS (Partial Least Square). The unit of level analysis is the SEs business players in East Kalimantan. The results showed a positive and significant effect of financial literacy on enterprises (SEs) performance and, financial inclusion positively affects the performance of small enterprises (SEs). Keywords: financial literacy, financial inclusion, small enterprises performancePengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan TimurAbstrakPenelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap kinerja usaha kecil, dan pengaruh inklusi keuangan terhadap kinerja usaha kecil. Jenis penelitian ini adalah penelitian explanatory. Sampel penelitian adalah 100 UMKM yang ada di Kalimantan Timur. Sampel dikumpulkan menggunakan teknik non probability sampling dengan pendekatan sensus yaitu mengambi seluruh UMKM yang beroperasi di Kalimantan Timur untuk dijadikan sampel dan dilakukan pengujian untuk menjawab isu penelitian yang diangkat. Penelitian ini bersifat kuantitatif dan menggunakan alat analisis PLS (Partial Least Square). Level unit analisis penelitian ini adalah pelaku usaha kecil di Kalimantan Timur. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh secara signifikan terhadap kinerja usaha kecil dan inklusi keuangan memiliki pengaruh signifikan terhadap kinerja usaha kecil. Kata kunci: literasi keuangan, inklusi keuangan, kinerja usaha kecil

scholarly journals Comparison of Two Breastfeeding Positions on Maternal Comfort and Infant Feeding Behaviors through Video Teaching among Postnatal Mothers

2019 ◽  
Vol 09 (03) ◽  
pp. 104-115
Author(s):  
Smitha D'Souza ◽  
Timi Thomas ◽  
Shynee Paul
Keyword(s):  
Cesarean Section ◽  
Infant Feeding ◽  
Rating Scale ◽  
Sampling Technique ◽  
Posttest Score ◽  
Elective Cesarean Section ◽  
Research Approach ◽  
Feeding Behaviors ◽  
Significant Difference ◽  
Elective Cesarean

Abstract Introduction Breastfeeding is not a choice but it is a responsibility. While breastfeeding may not seem the right choice for every parent, it is the best choice for every baby. Antenatal education motivates the mothers who are undergoing Cesarean section to prepare themselves, so as to establish a wonderful efficient latch. The aim of this study was to conclude which breastfeeding position may be the best choice for the mother with Caesarean section. The objectives of the study were (1) to identify the maternal comfort and infant feeding behaviors in groups 1 and 2, (2) to compare the maternal comfort and infant feeding behaviors between the groups, and (3) to find the association between maternal comforts with selected demographic characteristics. The literature also very well supports that especially the mothers with Cesarean section achieve very good maternal comfort, greater satisfaction, and favorable infant feeding behaviors in side-lying position. Thus, the researcher attempts to compare the cradle hold and side-lying breastfeeding position in terms of maternal comfort and efficient latch. Materials and Methods An evaluative research approach was used and the design selected for the study was quasiexperimental for two groups posttest only. Sample comprised of 70 antenatal mothers with elective Cesarean section (35 in each group) admitted at K.S. Hegde Hospital in Deralakatte, Mangalore. Purposive sampling technique was used to select the samples. Data were collected by using demographic proforma, maternal comfort rating scale, and infant behavior checklist. Results The results of the study shows that there was significant difference in the mean posttest scores between cradle hold and side-lying breastfeeding position. Mothers from the side-lying breastfeeding position group showed higher maternal comfort, mean posttest score, and favorable infant feeding behaviors than the cradle hold breastfeeding position. The independent sample t test revealed that the calculated t value for maternal comfort and infant feeding behaviors within the group and between the group less than the table value t (0.05, 68 = −2.042). Conclusion This study explores that mothers with Cesarean section show greater maternal comfort and favorable infant feeding behaviors in side-lying breastfeeding position between the groups and within the groups than the cradle hold.

PERAN MODAL SOSIAL SEBAGAI MEDIATOR LITERASI KEUANGAN DAN INKLUSI KEUANGAN PADA USIA PRODUKTIF DI KABUPATEN GUNUNGKIDUL

2020 ◽  
Vol 15 (1) ◽  
pp. 27
Author(s):  
Elizabeth Fiesta Clara SB ◽  
Astrie Krisnawati
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Poverty Alleviation ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
The Other ◽  
Probability Sampling ◽  
The Relationship ◽  
Determinant Factor

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.

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