Does the Policy Lending of the Government Financial Institution Mitigate the Credit Crunch? Evidence from the Loan Level Data in Japan

2016 ◽  
Author(s):  
Wako Watanabe ◽  
Masahiro Sekino
Keyword(s):  
Financial Institution ◽  
Credit Crunch ◽  
Level Data ◽  
The Government ◽  
Policy Lending

Pelaksanaan Jaminan Kesehatan Oleh BPJS Kesehatan Dalam Perspektif Syariah

Liquidity ◽  
2017 ◽  
Vol 6 (2) ◽  
pp. 110-118
Author(s):  
Iwan Subandi ◽  
Fathurrahman Djamil
Keyword(s):  
Health Care ◽  
Financial Institution ◽  
Social Supports ◽  
Religious Leaders ◽  
The Public ◽  
The People ◽  
The Social ◽  
Ministry Of Finance ◽  
Health Support ◽  
The Government

Health is the basic right for everybody, therefore every citizen is entitled to get the health care. In enforcing the regulation for Jaringan Kesehatan Nasional (National Health Supports), it is heavily influenced by the foreign interests. Economically, this program does not reduce the people’s burdens, on the contrary, it will increase them. This means the health supports in which should place the government as the guarantor of the public health, but the people themselves that should pay for the health care. In the realization of the health support the are elements against the Syariah principles. Indonesian Muslim Religious Leaders (MUI) only say that the BPJS Kesehatan (Sosial Support Institution for Health) does not conform with the syariah. The society is asked to register and continue the participation in the program of Social Supports Institution for Health. The best solution is to enforce the mechanism which is in accordance with the syariah principles. The establishment of BPJS based on syariah has to be carried out in cooperation from the elements of Social Supports Institution (BPJS), Indonesian Muslim Religious (MUI), Financial Institution Authorities, National Social Supports Council, Ministry of Health, and Ministry of Finance. Accordingly, the Social Supports Institution for Helath (BPJS Kesehatan) based on syariah principles could be obtained and could became the solution of the polemics in the society.

Housing Prices and Government Approval: The Impact of Housing Booms on Left- and Right-Wing Governments in 16 Advanced Industrialized Countries

2021 ◽  
Vol 54 (1) ◽  
pp. 163-185
Author(s):  
Sung Min Han ◽  
Mi Jeong Shin
Keyword(s):  
Housing Prices ◽  
Right Wing ◽  
Industrialized Countries ◽  
Left Wing ◽  
Approval Ratings ◽  
The United Kingdom ◽  
Level Data ◽  
Left And Right ◽  
The Government ◽  
The Impact

AbstractIn this article, we argue that rising housing prices increase voter approval of incumbent governments because such a rise increases personal wealth, which leads to greater voter satisfaction. This effect is strongest under right-wing governments because those who benefit from rising prices—homeowners—are more likely to be right-leaning. Non-homeowners, who are more likely to vote for left-leaning parties, will view rising housing prices as a disadvantage and therefore feel the government does not serve them well, which will mitigate the advantage to left-wing governments. We find support for our arguments using both macro-level data (housing prices and government approval ratings in 16 industrialized countries between 1960 and 2017) and micro-level data (housing prices and individuals’ vote choices in the United Kingdom using the British Household Panel Survey). The findings imply that housing booms benefit incumbent governments generally and right-wing ones in particular.

scholarly journals Factors Affecting the Socio-Economic Status of Households in Southern Punjab

2020 ◽  
Vol 3 (2) ◽  
pp. 315-331
Author(s):  
Salyha Zulfiqar Ali Shah ◽  
Imran Sharif Chaudhry ◽  
Fatima Farooq
Keyword(s):  
Economic Development ◽  
Economic Status ◽  
Household Head ◽  
External Shocks ◽  
Factors Affecting ◽  
Poor Countries ◽  
Socio Economic Status ◽  
Level Data ◽  
Physical Assets ◽  
The Government

The Households having low socio-economic status possess less resource in term of wealth and income to resist against any kind of external shocks. Apart from heath shocks (physical and mental disabilities) there are numerous other factors that force them to follow subsistence life style having low per capita income. A primary level data has been collected to examine the socio economic status of households in Southern Punjab for the year 2019.The findings show that household size, occupation, dependency ratio, mental disability and physical disability are negatively affecting economic development across the region. However, age, education of the household head, own house, spouse ‘s participation, remittances, number of earners in the household and value of physical assets are increasing economic development in Southern Punjab. Developing strategies, adequate planning and their timely implementation is very crucial for the government to pursue the process of economic growth and development of the poor countries like Pakistan.

scholarly journals Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM di Indonesia

2017 ◽  
Vol 8 (1) ◽  
pp. 95
Author(s):  
Singgih Muheramtohadi
Keyword(s):  
Financial Institution ◽  
Real Sector ◽  
Business Sector ◽  
Grameen Bank ◽  
Financial Service Authority ◽  
For Profit ◽  
History Of ◽  
The Government ◽  
Small Medium Enterprises ◽  
Medium Enterprises

Syariah Financial Institution means that the financial institution is run based on the Islamic teaching that refers to Qur’an and the Sunnah. Practically, it beganin early history of Islam, then was developed into Syariah Financial Institution. So, the purpose of Syariah Financial Institution is not merely for profit orientation. Further, it should be in accordance with Islamic value and the human philanthropy. Most of Syariah Financial Institution’s financing is for business sector and its ability to reach the micro business, that can’t be done by commercial banks. The financing for small business is funded by Islamic institutions due to Grameen Bank effect. Previously, Grameen Bank was built in mid-decade of 1970. The Financing of Syariah Financial Institution, in any sort, including cooperative union or BMT (Baitul Maal wa Tamwil), increased over time in both Institution Revenue and the Financing Rate. According to Financial Service Authority, most of financing of Syariah Banking is for the Micro, Small, Medium Enterprises that is very important for the nation economy, because it is engaged in the real sector of economy. And the other characters of the Micro, Small, medium enterprises in Indonesia are holding the honesty ethics and resistante to the crisis. They are the strengths of UMKM which must be considered to make the decision by the government or the Financial Institutions.Lembaga Keuangan Syariah (LKS) berarti badan yang bergerak di bidang keuangan yang dilandaskan pada ajaran Islam yang bersumber pada al Qur’an dan As Sunnah. Praktek ini sudah terdapat pada sejarah awal Islam, dan asas moralitas Islam dikembangkan dalam bentuk LKS. Sehingga, tujuan dari LKS tidak semata Profit Oriented, melainkan terdapat unsur-unsur keislaman dan kemanusiaan di dalamnya. Lembaga Keuangan syariah sebagian besar pembiayaannya diperuntukkan kepada sektor usaha, dan punya kemampuan untuk menjangkau usaha mikro, Sesuatu yang jarang dilakukan oleh pihak perbankan konvensional. Pembiayaan kepada UMKM ini tidak lepas juga dari pengaruh Grameen Bank sebelumnya, yang telah berdiri sejak medio 1970-an. Pembiayaan Lembaga Keuangan Syarah, baik dalam wujud Bank, Koperasi Simpan Pinjam maupun BMT mengalami peningkatan dari waktu ke waktu. Baik itu dari segi omzet LKS maupun tingkat pembiayaan nya. Berdasarkan data dari Jasa Otoritas Keuangan sebagian besar dari pembiayaan tersebut disalurkan kepada UMKM. Pembiayaan UMKM sangat penting dalam perekonomian nasional, karena bergerak di sektor riil. Karakteristik UMKM adalah sebagai usaha menengah ke bawah, pada umumnya dikelola dengan etika kejujuran masih dipegang kuat, serta relatif lebih kuat ketika dihadapkan pada krisis. Inilah yang jadi potensi UMKM yang harus diperhatikan dalam mengambil keputusan publik, baik itu oleh Pemerintah maupun Lembaga Keuangan (perbankan). 

scholarly journals Algoritma K-Medoids untuk Mengelompokkan Desa yang Memiliki Fasilitas Sekolah di Indonesia

2019 ◽  
Vol 1 ◽  
pp. 520
Author(s):  
Ivana Indrini Putri Damanik ◽  
Solikhun Solikhun ◽  
Ilham Syahputra Saragih ◽  
Iin Parlina ◽  
Dedi Suhendro ◽  
...  
Keyword(s):  
School Facilities ◽  
Education Level ◽  
Clustering Method ◽  
Learning To Read ◽  
National Statistics ◽  
Level Data ◽  
School Laboratory ◽  
The Government ◽  
Representative Points ◽  
High Cluster

School facilities are learning facilities and infrastructure. Study rooms, study rooms, sports halls, prayer rooms, arts rooms and sports equipment. Means of learning to read textbooks, reading books, school laboratory tools and facilities and various other learning media. This study discusses the application of the K-Medoids method in grouping villages that have school facilities based on the province and education level. Data sources used from the National Statistics Agency (BPS). This study uses data mining techniques in data processing using the k-medoids clustering method. The k-medoid method is part of a fairly efficient grouping of partitions in small datasets and looks for the most representative points. The advantages of this method can overcome the shortcomings of the k-means method that is sensitive to outliers. Another advantage of this method is that the results of the grouping process do not match the entry sequence of the dataset. Grouping k-medoid method can be applied to the percentage of facilities based on the province, so that provincial grouping can be determined based on the data. From the grouping data, 3 clusters were obtained, namely a low cluster of 15 provinces, a moderate cluster of 16 provinces and a high cluster of 3 provinces from the percentage of school facilities in each province. It is hoped that this research can provide information to the government about data collection of school facilities in Indonesia which discusses examiners in the provision of school facilities in Indonesia.

scholarly journals Can Digitalization Help Deter Corruption in Africa?

2020 ◽  
Vol 20 (68) ◽  
Author(s):  
Rasmané Ouedraogo ◽  
Amadou Sy
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Negative Impact ◽  
Local Level ◽  
Individual Level ◽  
Level Data ◽  
Information And Communication ◽  
The Government ◽  
Submarine Cables ◽  
Use Of Internet

This paper studies the effect of digitalization on the perception of corruption and trust in tax officials in Africa. Using individual-level data from Afrobarometer surveys and several indices of digitalization, we find that an increase in digital adoption is associated with a reduction in the perception of corruption and an increase in trust in tax officials. Exploiting the exogeneous deployment of submarine cables at the local level, the paper provides evidence of a negative impact of the use of Internet on the perception of corruption. Yet, the paper shows that the dampening effect of digitalization on corruption is hindered in countries where the government has a pattern of intentionally shutting down the Internet, while countries that successfully promote information and communication technology (ICT) enjoy a more amplified effect.

A. Perencanaan Optimal Jumlah Petugas Pada Gerbang Tol Kuningan 2 Dengan Metode Antrian

2019 ◽  
Vol 2 (1) ◽  
pp. 1-12
Author(s):  
Doddy - Lombardo ◽  
Edward Rosyidi
Keyword(s):  
Queuing Theory ◽  
Arrival Rate ◽  
Service Level ◽  
Average Value ◽  
Planning Optimization ◽  
Level Data ◽  
Employee Scheduling ◽  
The Government ◽  
The One ◽  
Service Standards

ABSTRACTION   PT Jasa Marga (Persero), Tbk is a company engaged in the development and movement of toll roads having a Current, Safe and Comfortable Quality Policy increasingly demanded to improve the quality of its services. The number of substations that have been repaired at the Kuningan Toll Gate 2 against 4 substations cannot receive currents that increase during rush hour. The queue exceeds the service standards set by the government for a maximum of 5 vehicles for each substation. In this study used the FIFO Queue Model and Distribution testing using the Promodel 7.0 Version of Student Software to find out the distribution of arrival rate and service level data. To test the average value is used the One-way ANOVA test which was previously carried out also the test of adequacy, uniformity and normality of the data. Data collection is taken when a long queue is carried out at the Toll Gate. After passing the test, the next data ? is equal to 2,004 vehicles / hour and ? is = 417 vehicles / hour with Service Time = 8.63 seconds / vehicle, if it is done with Queuing Theory. Results Processing data with queuing theory obtained N (optimal) = 6 and n (Number of vehicles in the system) = 5 vehicles, q (Number of vehicles in queue) = 4 vehicles, d (Time of vehicle in system) = 43.37 seconds, w (Time of vehicle in queue) = 34.74 seconds. The results of data preparation are further processed to obtain optimal Employee Scheduling using tables so that there will be 3 employees in shift 1, 9 in Shift 2 and 2 in shift 3. on weekdays and 3 people on shift 1, 3 on Shift 2 and 2 on shift 3 on holidays. Keywords: Queue Method, Toll Gate, Planning, Optimization                                                                                     

Government Policy Interventions and Performance of Indian Engineering Industries

2015 ◽  
pp. 138-158
Author(s):  
Rajdeep Singha ◽  
K. Gayithri
Keyword(s):  
Large Scale ◽  
Engineering Industry ◽  
The Other ◽  
Industrial Growth ◽  
Industrial Policies ◽  
Policy Interventions ◽  
Level Data ◽  
Major Transition ◽  
The Government ◽  
And Performance

The Indian industrial policy made a major transition towards liberalization in the mid-1980s with the proponents of liberalization expecting not only a general increase in the efficiency of Indian industry but also improvement terms of innovative performance. Extensive industrial studies, as well as macro-level data, suggest that liberalization in the field of industrial licensing and foreign technological collaborations has resulted in large-scale entry of new firms across different segments of the economy. In this context, this chapter makes an attempt to review the promotion-oriented industrial policies of the Indian Engineering industry and also trace the industrial growth from 1950-51 onwards. It has been observed that there were mainly two breaks (kinked points) during this period, one in 1965-66 and the other in 1984-85. A review of policies suggests that these breaks were associated with major shifts in policies of the government. The study indicates that the first break came through industrial policies of the government with a focus on the heavy industries during the initial phases, while the other break came during 1984-85, which could be attributed to changes in policies from a restrictive one in the mid-'60s and '70s to a liberalized one in this sector in the '80s.

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