Digitalization of the Japanese Economy by the Example of the Banking Sector: Current Results, Prospects and Problems

Purpose: the purpose of this study is to examine the current state of Japan's digital transformation, with a focus on the banking sector, analyzing specifc examples, identifying obstacles that hinder the achievement of expected results.Methods: the article is based on the analysis of scientifc and analytical materials devoted to the problem of research, a set of general scientific methods is applied, including comparison, scientifc generalization, analogy, etc.Results: the article presents the main trends and current results of digitalization of Japanese banks, provides examples of projects, identifies problematic areas of the implemented policy. A hypothesis is put forward about the key role of the government in the development of new standards for the organization of work, taking into account the use of innovative technologies. For Japan, digitalization is chosen as a key tool to mitigate the current socio-economic situation. Digitalization is already being implemented in the healthcare sector, agriculture, etc. Another sector at the center of digitalization is the fnancial one. Financial technologies form new markets and products. Non-banking companies penetrate into the areas occupied by classical banks, competing and even displacing them.These processes are observed both in Japan and in other countries of the world, including Russia. Therefore, studying the Japanese experience of integrating digital technologies into the fnancial sector is important. Although Russia is among the leaders in the digitalization of the financial sector, it is difcult for fntech companies to break into the Russian market due to pressure from large classical banks, as well as the lack of trust in fntech companies from the population.Conclusions and Relevance: in contrast to the manufacturing sector, digitalization of non-manufacturing areas is slower in Japan. This is due to a shortage of qualifed personnel, fnancial risks, etc. Today, the priority for fnancial institutions remains to create the basis for the introduction of digitalization and improve management efciency. From the point of view of ensuring the stability of the fnancial system, it is expected that the Bank of Japan, together with the government, will encourage initiatives in the feld of fnancial development.

The Role of the Government in Environmental Sustainability During the COVID-19 Pandemic

The COVID-19 outbreak and its global spread through human-to-human contact have made it even more important to analyze the environmental effects. The higher the population, the higher the energy usage, the higher amount of carbon emissions, and the faster the environmental degradation. Having a high-quality environment is important for people to protect themselves from infection. During the lockdowns, city residents could benefit from the environment. Shutdowns contributed not only to break the chain of infections but also to the development of the environment and ecosystems. Due to the great cuts in transportation and industrial sectors, air and water pollution levels have come down, and nature has started to reassert itself. In this process, governments have a great role to fight the pandemic and protect the environment. In this chapter, environmental sustainability and the role of governments during the pandemic will be analyzed. Also, the viable solutions for environmental sustainability that can be provided by the governments will be put forth.

COVID-19 and the Livelihoods of the Migrant Workers

The spread of the corona-virus disease 2019 (COVID-19) and subsequent nationwide lockdown in India from March 22, 2020 to control its further outbreak brought turmoil in the lives of millions who are primarily involved in the informal sector. A primary survey was conducted in the District of South 24 Pgs. in the state of West Bengal, India to know the effects of COVID-19 on rural livelihood, particularly of the migrant workers. Types of disruptions of rural livelihood of the households have been explored in the study. Perceptions of the effects of shocks of COVID-19 on the rural households have been assessed in terms of the following variables: loss of assets, loss of income, food insecurity/shortage, death of livestock, decline in consumption, decline in health conditions, socialization, effects on education, problems in accessing health facilities. Types of government supports provided to the households have been found for the study area. The role of the government in overcoming the crisis of livelihood has also been assessed.

Inovasi dan Daya Saing UMKM di Era New Normal: dari Triple Helix Model ke Quadruple Helix Model

The role of MSMEs in the economic development of a country has important implications for increasing income, reducing unemployment, alleviating poverty and economic growth. The Covid-19 pandemic has had a negative impact and threatened the survival of MSMEs. This study aims to analyze the dynamics of the triple helix model by examining the role of each helix: universities, companies, and governments to help MSMEs rise from adversity. This study identifies behavioral profiles in terms of the performance of the triple helix model from the perspective of MSMEs and recognizes key factors for innovation success and competitiveness. The survey involved 134 MSMEs. The analysis method uses SEM-PLS with WarpPLS07. The results of the study indicate that there is a positive influence between the synergy of the government and academia in increasing the innovation and competitiveness of MSMEs. Innovation is able to become a mediator for the synergy of the government and academia in increasing the competitiveness of MSMEs. MSMEs need to be more active and proactive, the role of the government and academics still needs to be improved and coupled with the optimal role of other helixes, especially the community as a strategy to survive and thrive in the Covid-19 pandemic situation.

The case for private administration of deposit guarantee schemes

We make the case that the responsibility for appointing board members in Deposit Guarantee Schemes (DGS) for commercial banks should be entrusted to the industry. In doing so, we challenge the position adopted by the International Monetary Fund, which has proposed public DGSs as the best practice. We lay out the comparative advantages of private over public DGS administration, and contend that the role of the government should in principle be limited to regulating DGSs specifically and financial markets in general. We conclude that the current worldwide trend towards greater involvement of government in financial regulation should not be extended to the administration of DGSs.

The Impact of Supporting Village Empowerment on the Local People Economy in Kelimutu National Park Tourism Area Ende - East Nusa Tenggara

The aim of this this research is to find out the progress and impact of community empowerment in the supporting villages of Kelimutu National Park, Ende NTT. This is a qualitative research which is conducted by field research, collection data, reduction, display and conclusion. From the results of the research, it can be concluded that there is a synergy between the role of the government and community participation in managing tourism in an effort to attract tourists for visiting Kelimutu National Park and staying in the supporting villages. The program is effective to increase local economy and welfare of people around the tourist area however the number of visitor tend to decrease.

United States Fiscal Policy for Social Workers

U.S. fiscal policy is of interest to social workers as it concerns issues including structural racism, economic justice, and income inequality. U.S. fiscal policy refers to the role of the government in taxing and spending, the budget appropriations process, and public budgets (including federal and state revenue and spending). Federal revenue includes payroll and income taxes (personal and corporate). Federal outlays include discretionary and mandatory entitlement spending. There are a number of ongoing contentious debates about U.S. fiscal policy, including those involving the size and function of government, deficit financing and borrowing, inequality, and the redistribution of wealth in tax policies.

UTILIZATION OF THYROSINASE INHIBITORS FROM Artocarpus heterophyllus LEAVES AS ALTERNATE FOR MERCURY IN COSMETIC PRODUCTS IN THE FORM OF HALAL AND THOYYIB GEL

Along with the times there is an increasing need from various fields including cosmetics. The use of cosmetics among the public is used to maintain healthy skin, beautify and maintain appearance. This increased demand for cosmetics has led to industrial competition so that there are many producers who take advantage of using a mixture of harmful substances in the manufacture of cosmetics. Mercury is a toxic cosmetic ingredient which has been widely circulating in the market. The impact of using mercury includes allergies, poisoning, and damage. The halalness of a product is an important thing in the life of a Muslim, the requirements for a cosmetics are said to be halal based on the origin of the constituent ingredients, processing and the process of obtaining them, while for cosmetic safety it is based on the function and impact it causes. The importance of monitoring halal cosmetic products is not only the role of the government, but also from the producers and consumers who are wise in the use and manufacture of cosmetics. Overcoming this problem is by making cosmetics from natural ingredients in the form of jackfruit leaf extract (Artocarpus hetetophyllus) as a substitute for the use of mercury by inhibiting the formation of tyrosine which produces melanin pigment which makes skin dark. This paper uses a maceration method in extracting young jackfruit leaves, then testing the phytochemicals on the leaf extract, which contains tyrosinase inhibitors which are classified as polyphenols. Furthermore, the preparation of cosmetic gel preparations was carried out, then the stability test was carried out including the organoleptic test, pH test, viscosity test, and homogeneity test to determine the reactivity of the prepared gel which could later be mass produced. The gel making with the active compound tyrosinase inhibitor from jackfruit leaves fulfills the requirements of halal cosmetics and thoyyib is shown by not using haram and dangerous substances through the action of a tyrosinase inhibitor in the form of acetocarpanone which has no side effect on the body because it is obtained from natural ingredients.

The Impacts of COVID-19 on Oman’s National Health Security

The COVID-19 has had a massive impact on the Oman national health security system, putting the officials and medical crews under sustained pressure and challenges to cope with this crisis. We need to improve the national health security system to achieve health equity and to protect us all from the threat of COVID-19 and future pandemics. This study addresses the impact of COVID-19 on Oman national health security system. The study focuses on three objectives to determine the relationship between COVID-19 and national health security in Oman, to investigate the impact of COVID-19 on national health security, and to identify the role of government in mitigating the impacts of COVID-19 on national health security. The study applies a qualitative method approach and was conducted in two parts using questionnaire surveys and interviews. The study has found that, having a strong relationship between COVID-19 and national health security, the COVID-19 has had impacts on Oman national health security system and the role of the government in mitigating the impacts is very important. The purpose of the study is to generate recommendation to Oman national health security system to pave the way to a robust and resilient national health security system.

Analysis on the Factors Influencing the Behavior of Purchasing Enterprise Brand Fruits: Empirical Study Based on 312 Consumers in China

Based on summarizing the factors that influence consumers’ purchasing of fruits and vegetables, by establishing the theoretical framework that describes the factors influencing the behavior of purchasing enterprise brand fruits, designing the questionnaire, collecting data, and analyzing the data of 312 consumers by binary logistic regression, this article finds that there are mainly 6 factors influencing the behavior of purchasing enterprise brand fruits, namely, gender, the convenience of purchase, taste, evaluation after tasting, tasted or not, and whether relatives or friends buy. Among them, the first four factors have a positive effect, while the last two have a negative effect. The biggest influential factor is whether relatives or friends buy, followed by tasted or not, the third is an evaluation after tasting, and the fourth is the convenience of purchase. Taste and gender are, respectively, ranked fifth and sixth. Based on the above conclusions, this article puts forward some countermeasures and suggestions, which can be listed as follows: to expand the marketing channels of enterprise brand fruits, to improve the convenience of purchase, to improve the quality of enterprise brand fruits, to pay attention to the improvement of taste, to give full play to the publicity role of the government and enterprises, and to improve the popularity of enterprise brand fruits.