Socialization of one million houses subsidy program policy in Indonesia

Housing financial issue is very complex. Therefore, the socialization of the subsidized housing program is carried out to all stakeholders involved in the housing sector, whether from the central government, the private sector, and the community aiming to encourage them to build houses together, particularly for the low-income people (MBR). In this case, due to the high demand for housing, further encouragement and innovation are needed from the One Million Subsidized Housing Program in Indonesia. This qualitative research was conducted to investigate how the socialization of subsidized housing program policies in Indonesia was conducted through a case study in the Subsidized Housing of Villa Mutiara 2, Sumedang Regency, West Java. This financially subsidized housing was implemented both in the form of down payment subsidies and/or interest differences as well as the provision of long-term low-cost funds for low-income people. Based on the results of research that has been carried out, the overall policy of the one million subsidized housing program in Indonesia can reach low-income communities. In this case, the public communication performed by the central government for the subsidized housing program was done by launching applications and socialization through printed media, electronic media, social media, etc.

UPNM Way Forward: A Proposal of Cost Saving Strategy to Strengthen UPNM Financial Through Saving Plan Package

This study aims to determine and propose appropriate recommendation to the top management of university on how to generate income through saving plan that can be implement by Human Resource Department at UPNM to strengthen the financial issue. This proposal is proposed to assist management team on how to rationalize limited financial issues that can affect financial crisis faced by the university nowadays. At present, all public universities in Malaysia faced a critical challenge due to insufficient financial budget allocation, where the Government's financial allocation is increasingly bubbling. All Universities have been urged to generate their own internal income aside from budget allocation to ensure that the dependency on the Government can be reduce. Hence, some of these significant arrangement need to be carefully strategize and plan by the management of university to generate extra revenue as an effort to encounter financial issues faced by the university. From this case study, the finding can be used to identify and assist Top management of university to overcome issues on revenue generating to support financial operation cost at UPNM.

The economic impact of the Covid-19 pandemic on Sri Lankan migrants in Qatar

The spread of Covid-19 in Qatar and the pandemic-led economic slump in the country have substantial financial implications for Sri Lankan migrant workers in Qatar and the Sri Lankan economy as a whole, as Qatar has been one of the primary destinations among Sri Lankan migrants in recent years. Based on 12 in-depth interviews and an online survey of 101 Sri Lankan workers in Qatar, this paper assesses the pandemic’s financial implications on three groups of Sri Lankan migrants; the highly-skilled, skilled and semi-skilled. Using a mixed-method analysis, the paper identifies that pay-cuts have been the most common financial issue across all skill levels, with nearly half of respondents reporting deductions from their salaries. The research also identifies that while all three groups of migrants have used various coping mechanisms to mitigate the pandemic’s financial impact, highly-skilled migrants have been more successful in weathering the storm than others due to their accumulated savings. Though compared to the early months of the pandemic, the financial stability of most Sri Lankans in Qatar had improved by September 2020 with the easing of restrictions imposed to contain the spread of Covid-19, it might not necessarily transfer into stability in remittances to Sri Lanka, as an increasing number of Sri Lankan migrant workers in Qatar are considering a permanent return home.

Significant Barriers Influencing Green Design Application among the Contractors in Construction Industry

This paper aims to find out the vital barriers that affecting the implementation of Green Design practice, which is part of the Green Supply Chain Management (GSCM) application in construction industry. GSCM is an innovative strategy that integrates environmental and social considerations with involving all parties in product (building) design stage, procurement, materials sourcing and selection, completion and handover to the ultimate users without overlooking the end-of-life management of the product. By the same time, GSCM also can improve both short and long-term competitiveness and profitability of the organisation. Green design application can reduce the environmental effects throughout the product lifecycle by minimising the resources and energy consumption. The objectives of this study are to determine and analyse the critical barriers that preventing Green Design related activities among contractors in construction industry. Quantitative research method with survey questionnaire was employed in this study. Total 450 sets of questionnaire were distributed with 21.8% response rate. The independent variables in this study was the barriers of Green Design implementation while the dependent variable was the adoption level of Green Design practice in construction industry. In short, four (4) barriers are identified, which were Government Supports, Company Resources, Knowledge and Information, and Financial issue barriers. Results of the study shown that Government Supports and Company Resources barriers were significant for Green Design practice. Significance of this research is to provide a better understanding of green practices, such as GSCM, to deal with current environmental issues and to realise the recent problems and obstacles faced by all construction players, so that further actions are required for a successful GSCM implementation in order to move towards a sustainable environment in the future.

Financial Performance Growth of Oman Cement Company

Purpose: The objectives of the study were to analyze the financial growth of Oman Cement Company (OCC) to critically investigate the financial performance along with its growth in the Oman cement industry. Design/methodology/approach: The data was collected from the five years’ financial statements between 2016 and 2020 listed in the Muscat Security Market and the analysis was carried out applying the different ratios – profitability ratios, liquidity ratios, management efficiency ratios, operating ratios, and financing ratios. Findings: The results of the study reveal that the OCC growing more efficiently in finance with effectively utilizes its assets. The company liquidity position was given a positive sign during the study period. The management and operating efficiency are less, and it needs improvement. Overall financial growth is stable impartment started during the end of the study period. Research limitations/implications: The study implies that the company management needs to utilize the fixed assets and improve the cash and cash equivalents. The production policy needs an eye on the future success of management. Social implications: The study suggests that the management should act wisely in handling finance. Further, the OCC policies should maintain standards to compete with foreign competitors. Originality/Value: Only a very few have examined the causes for the financial issue in the Oman cement industry, and it is a first-hand study of its kind, and the results will be useful to the stakeholders. Keywords: Financial Statement Analysis, Performance Growth, Cement industry in Oman, Ratio Analysis, Oman Cement Company.

The vulnerable financial issue: Capital flight in Indonesia

Indonesia is a developing country with a high demand for capital from both domestic and international sources. However, international capital flows are needed the most. For non-Western countries, especially Indonesia, capital flight is an unfavourable financial problem. This research aims to summarise capital flight from Indonesia and analyse the impact of macroeconomic and non-macroeconomic determinants through capital flight. Macroeconomic determinants include budget deficits, economic growth, inflation rates, and exchange rates. Nonmacroeconomic determinants are the degree of trade openness, interest rate differences, and dummy ratings. The data comes from the Bank of Indonesia, OECD, Moody's, and BPS-Statistics Indonesia. The coverage of this research is the Indonesian quarter from 2010 to 2018. This period complies with the latest procedures of the sixth edition of the Balance of Payments Manual (BPM 6). In this research, the measurement of the capital flight is the World Bank's residual method, trade misinvoicing method, and combined method. This research finds that, compared with other economics, non-macroeconomics is the most influential determinant of capital flight from Indonesia.

Telemedicine technologies as a tool to increase the availability of health care for the population at the present stage: key problems and development prospects

Telemedicine is the remote provision of medical services to patients and continuing education for health workers as part of digital healthcare. In 2019 the telemedicine market was estimated at 37.4 billion US dollars, the expected growth by 2022 could reach more than 18% annually. Many countries spend significant funds on the development and production of digital medical technology with the ability to transfer data. In most countries of the EU, telemedicine is an auxiliary technology in the implementation of medical care. In the EU there are no common standards in the field of telemedicine services and common approaches to determining the content of telemedicine. In a number of countries, including the Russian Federation, the main limiting factor hindering the development of telemedicine is the financial issue due to the high cost of telemedicine technologies and the underdevelopment of technical equipment. An urgent issue is the protection of patient privacy and confidentiality. The regulatory framework for digital healthcare in Russia is poorly developed and requires significant additions. Today, the main problem for medical organizations that are going to provide services through telemedicine is the need to use a unified system of identification and authentication of participants. Significant legislative work is required to remove barriers to the further development of digital health.

Oleksa Novytskyi and Serhii Hamchenko: the daily routine of the scientist in 1920th according to the epistolary sources

Relations in intellectual societies play an important role. The scientific, personal, and cultural connections had a special significance during the totalitarian era. Due to developed epistolary culture which was common among scientific environment, we now can reconstruct those connections using scientists’ letters. As an example of those scientific and personal connections the letters exchange between the member of the Ukrainian Academy of Sciences (UAS), fine arts expert and Head of the Ukrainian Archaeological Committee (UAC) Oleksa Petrovych Novytskyi and well-known archaeologist and museologist Serhiy Svyrydovych (Spyrydonovych) Hamchenko can be presented. The letters exchange between two scientists had not preserved completely. The fullest collection of letters is addressed to O. Novytskyi from S. Hamchenko are now stored in the archive of the academician in the Institute of Testaments of V. I. Vernadskyi National Library of Ukraine. Only several short letters from Maria Novytska (daughter of the academician) and notes of Oleksa Novytskyi are stored at S. Hamchenko’s collection in Scientific Archive of the Institute of Archeology of National Academy of Sciences of Ukraine. Some letters (including drafts written by O. Novytskyi) illustrate cooperation of two scholars in UAC, archaeological excavations carried out by S. Hamchenko on DniproHES. Scientifically interesting are the S. Hamchenko’s letters written while he lived in Zhytomyr at the beginning of 1930th. They allow understanding archaeologist’s everyday life, relations in his family, scholar’s daily routine. A central topic of the correspondence between two scientists in 1931–1932 was financial issue: pension allowance, UAS funding, Serhiy Hamchenko’s medical treatment. From Serhiy Svyrydovych’s letters we can see how Oleksa Petrovych tried to help his colleague even though being in a hard financial and political situation himself. The long-lasting absence of income and inability to solve this problem influenced S. Hamchenko’s family. All this together with renouncement to pay a pension to a former monarch’s general caused scientist’s death from starvation in Zhytomyr on 06 of October 1932. Key words: Oleksa Novytskyi, Serhiy Hamchenko, epistolary, history of archaeology, routine, Ukrainian Archaeological Committee, Institute of Manuscript.

Hesitancy to Seek Help Millennial Generation in Surabaya

This study aims to determine the effect of financial issue involvement, subjective financial knowledge, grit, financial health self efficacy, and financial stressed on hesitancy to help in the millennial generation in Surabaya. The method used in this research is quantitative research methods. The sample in this study were 100 respondents taken by purposive sampling method. Data analysis will be carried out using partial least square with the help of SmartPLS version 3. The results of the study show that financial issue involvement, subjective financial knowledge, and grit have a significant effect on financial health self efficacy, but financial health self efficacy has no significant effect on hesitancy to seek help. Financial stressed has a significant effect on hesitancy to seek help.

Daya Perekat Menjadi Jamaah Tarekat Syattariyah di Kudus

<p class="06IsiAbstrak">This article describes religious experience of Tarekat Syattariyah members in Kudus. It is qualitative research based on interview and observation among the members in Kudus. In general, Tarekat Syattariyah has three major teachings parts, include diety and nature, <em>insan kamil</em>, and <em>dzikir</em>. Implementation in dzikir for Tarekat Syattariyah members devided into three stages<em>, mubtadi, mutawasitah</em>, and <em>muntahi</em>. The members can reach these stages if they are able to carry out <em>makrifat tanziyyah </em>and makrifat<em> </em><em>tasybiyyah. </em>The<em> </em>result shows that there are several things that make a tight relationship among Tarekat Syattariyah members in Kudus. There are <em>mursyid’s</em> and member’s concern in a financial issue, communality and brotherhood, and the members believe that the power of dzikir will help them to die peacefully (<em>khusnul khotimah</em>).</p>