scholarly journals THE ROLE OF PRODUCT QUALITY INFORMATION, MARKET STATE INFORMATION AND TRANSACTION COSTS IN ELECTRONIC AUCTIONS.

2002 ◽  
Vol 2002 (1) ◽  
pp. I1-I6 ◽  
Author(s):  
OTTO R. KOPPIUS ◽  
ERIC VAN HECK
Keyword(s):  
Transaction Costs ◽  
Product Quality ◽  
Quality Information ◽  
Information Market ◽  
State Information ◽  
Electronic Auctions ◽  
Market State

PENGARUH KUALITAS PRODUK DAN RELIGIUSITAS TERHADAP KEPUTUSAN NASABAH PRODUK SIMPANAN PADA BSM CABANG PURWOKERTO

2017 ◽  
Vol 4 (1) ◽  
pp. 189-215
Author(s):  
Yoiz Shofwa Shafrani
Keyword(s):  
Regression Analysis ◽  
Product Quality ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Analytical Tool ◽  
The Other ◽  
Financial Assets ◽  
Islamic Bank

Perkembangan dunia perbankan syariah tidak lepas dari peran para nasabah yang memberikan kepercayaan terhadap pihak perbankan untuk penyimpanan asset keuangannya. Faktanya banyak kelompok nasabah yang memutuskan untuk menjadi nasabah di perbankan syariah karena faktor religiusitasnya. Faktor lain yang dapat ikut mempengaruhi keputusan nasabah adalah kualitas produk. Di mana kualitas produk merupakan karakteristik yang melekat dari suatu produk. Kemungkinan yang terjadi bahwa kebanyakan nasabah pada perbankan syariah juga masih merupakan nasabah perbankan konvensional.Tujuan yang ingin dicapai dalam penelitian ini adalah untuk mengetahui pengaruh kualitas produk dan tingkat religiusitas nasabah terhadap keputusan nasabah untuk menyimpan dananya atau tidak di BSM Cabang Purwokerto. Alat analisis yang digunakan adalah analisis regresi linier berganda, dengan jumlah sampel 100 nasabah. Diperoleh hasil Y = 5,046 + 0,101X1 + 0,218X2. Berdasarkan uji F yang sudah dilakukan maka dapat diketahui bahwa variabel kualitas produk dan religiusitas secara bersama – sama berpengaruh terhadap keputusan nasabah untuk menyimpan dananya di BSM Cabang Purwokerto. Berdasarkan uji t yang sudah dilakukan dapat diketahui bahwa secara partial baik variabel kualitas produk maupun variabel religiusitas berpengaruh terhadap keputusan nasabah untuk menyimpan dananya di BSM Cabang Purwokerto. The progress of the Islamic bank cannot be separated from the role of its customers who give trust to the bank to deposit their financial assets. It is a fact many groups of customers decide to be the customers of the Islamic bank because of their religiosity. The other influences factor of a customer’s decision is the quality of the product. The aim of this research was to determine the effect of product quality and level of customers’ religiosity towards customers’ decision whether to keep their funds in Syariah Mandiri Bank, Branch of Purwokerto, or not. The analytical tool used was multiple linear regression analysis, with a sample of 100 customers. The results indicate Y = 5,046 + 0,101X1 + 0,218X2. Based on F, it can be seen that both variables of product quality and religiosity simultanously affect the customers’ decision to keep theirfunds in BSM Branch of Purwokerto. Based on t test, it can be seen that independently, either variable of product quality or variables of religiosityinfluences the customers’ decision to keep their funds in BSM Branch of Purwokerto.

scholarly journals Do Institutional Transplants Succeed? Regulating Raiffeisen Cooperatives in South India, 1930–1960

2021 ◽  
pp. 1-27
Author(s):  
Maanik Nath
Keyword(s):  
South India ◽  
Financial Regulation ◽  
Low Cost ◽  
Credit Market ◽  
Rural Credit ◽  
Market State ◽  
The Government ◽  
Political Economic ◽  
Rural Credit Market

The government in British-ruled India established cooperative banks to compete with private moneylenders in the rural credit market. State officials expected greater competition to increase the supply of low-cost credit, thereby expanding investment potential for the rural poor. Cooperatives did increase credit supply but captured a small share of the credit market and reported net losses throughout the late colonial and early postcolonial period. The article asks why this experiment did not succeed and offers two explanations. First, low savings restricted the role of social capital and mutual supervision as methods of financial regulation in the cooperative sector. Second, a political-economic ideology that privileged equity over efficiency made for weak administrative regulation.

scholarly journals The role of export subsidies when product quality is unknown

1989 ◽  
Vol 27 (1-2) ◽  
pp. 69-89 ◽  
Author(s):  
Kyle Bagwell ◽  
Robert W. Staiger
Keyword(s):  
Product Quality ◽  
Export Subsidies

PENGEMBANGAN KAMPUNG COKLAT SEBAGAI AGROWISATA DI BLITAR JAWA TIMUR

2016 ◽  
Vol 10 (02) ◽  
pp. 29-34
Author(s):  
Muhammad Syaifulloh ◽  
Wahyu Setiawan
Keyword(s):  
Human Resources ◽  
Product Quality ◽  
Special Interest ◽  
Active Role ◽  
Local Communities ◽  
Tourist Attraction ◽  
New Jobs

Kampung Coklat is a tourist attraction of special interest in Blitar, East Java, an ecotourism. Tourist components that have been held, the product quality is maintained, Human Resources who has been there, security from both outside and within the company and also cooperation with local communities necessary for the development, enhancement, training, coaching and maintenance. It is intended to support the development which will be done so as not to compete with other competitors. People who play an active role and cooperation that has existed well into the main capital to undertake development . The role of the community has been proven to work and establish new jobs in Kampung Coklat . Besides the community to fully support the development of Kampung Coklat. Keywords: ecotourism , tourism , products

scholarly journals Information Asymmetry and Trust: A Framework for Studying Microfinance in India

2005 ◽  
Vol 30 (4) ◽  
pp. 77-86 ◽  
Author(s):  
M S Sriram
Keyword(s):  
Social Networks ◽  
Transaction Costs ◽  
Rural Areas ◽  
Financial Services ◽  
Imperfect Information ◽  
Informal Networks ◽  
The Poor ◽  
The People ◽  
Financial Transactions

In recent times, microfinance has emerged as a major innovation in the rural financial marketplace. Microfinance largely addresses the issue of access to financial services. In trying to understand the innovation of microfinance and how it has proved to be effective, the author looks at certain design features of microfinance. He first starts by identifying the need for financial service institutions which is basically to bridge the gap between the need for financial services across time, geographies, and risk profiles. In providing services that bridge this gap, formal institutions have limited access to authentic information both in terms of transaction history and expected behaviour and, therefore, resort to seeking excessive information thereby adding to the transaction costs. The innovation in microfinance has been largely to bridge this gap through a series of trustbased surrogates that take the transaction-related risks to the people who have the information — the community through measures of social collateral. In this paper, the author attempts to examine the trajectory of institutional intermediation in the rural areas, particularly with the poor and how it has evolved over a period of time. It identifies a systematic breach of trust as one of the major problems with the institutional interventions in the area of providing financial services to the poor and argues that microfinance uses trust as an effective mechanism to address one of the issues of imperfect information in financial transactions. The paper also distinguishes between the different models of microfinance and identifies which of these models use trust in a positivist frame and as a coercive mechanism. The specific objectives of the paper are to: Superimpose the role of trust in various types of exchanges and see how it impacts the effectiveness of repeated transactions. While greater access to information fosters trust and thus helps social networks to reduce transaction costs, there could be limits to which exchanges could solely depend on networks and trust. Look at the frontiers where mutual trust cannot work as a surrogate for lower appraisal costs. Use an example in the Canadian context and see how an entity that started on the basis of social networks and trust had to morph into using the techniques used by other formal nonneighbourhood institutions as it grew in size and went beyond a threshold. Using the Canadian example, the author argues that as the transactions get sophisticated, it is possible to achieve what informal networks have achieved through the creative use of information technology. While we find that the role of trust both in the positivist and the coercive frame does provide some interesting insights into how exchanges with the poor could be managed, there still could be breaches in the assumptions. This paper identifies the conditions under which the breaches could possibly happen and also speculates on the effect of such breaches.

scholarly journals The argumentation of the use of CBCT examination in endodontic treatment

2021 ◽  
Vol 70 (2) ◽  
Author(s):  
Victor Moraru ◽  
◽  
Vasile Zagnat ◽  
Keyword(s):  
Image Quality ◽  
Radiation Dose ◽  
Endodontic Treatment ◽  
Quality Information ◽  
Imaging Protocols ◽  
Film Image ◽  
2D Imaging ◽  
Clinical Cases

Purpose: to provide an overview in optimizing endodontic treatment using CBCT imaging. Objectives: 1. To evaluate the role of CBCT in the assessment of patients with periododontic disease. 2. Comparison of 2D imaging protocols (OPG, retroalveolar radiological film) image quality, information and commonly used radiation dose. Studying the literature and after analyzing our own clinical cases we argued the value of CBCT in endodontic treatment.

scholarly journals Information governance: The role of information architecture for effective board performance

2021 ◽  
Author(s):  
Pedro B. Água ◽  
Anacleto Correia
Keyword(s):  
Decision Making ◽  
Information Architecture ◽  
Quality Information ◽  
Adequate Information ◽  
Information Governance ◽  
Board Performance ◽  
Board Dynamics ◽  
Board Decision Making ◽  
Role Of Information

Among the growing demands in corporate governance is better decision-making. The best board dynamics and focus on substantive business issues do not ensure effective boards functioning. Better decision-making implies the availability of quality information in adequate amounts. Better information does not exist on its own, it is necessary to design adequate information architectures in order to gather such information for effective board decision-making. Relying on solid information sources fosters awareness and lies the grounds for a better information architecture, so directors can do their job in a more effective and efficient way. What, why, how and where questions shall be raised in order to reach such goals, and the pillars for such architecture shall be laid down, by means of an adequate information architecture. This text provides clarity and the main thinking behind such information architecture design, ending with a set of recommendations

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