scholarly journals Income and Expenditure Pattern of Vegetable Vendors

2020 ◽  
Vol 8 (3) ◽  
pp. 11-19
Author(s):  
Harish Tigari ◽  
G M Anushree
Keyword(s):  
Informal Sector ◽  
Low Income ◽  
Financial Institution ◽  
Living Condition ◽  
Public Places ◽  
Street Vendors ◽  
Urban Economic Development ◽  
Electricity Bill ◽  
Children Education ◽  
Expenditure Pattern

Street vegetable vendors are an integral part of the urban economic development in many countries. In this street, vegetable vendors are selling the vegetables in the truck/cart or streets and public places. The street vegetable vendors earn money for their family members and their children a better education. And more of the street vegetable vendors are Illiterates and do not aware of hygienic environments. Street vegetable vendors took money from some financial institution or loans from relatives or friends or some co-operative societies. And some of the street vegetable vendors are the reason for choosing this business like unemployment or family business or not qualified. In this informal sector should be help full to a low-income family, and their living condition has changed because of this business. Some of the street vendors do not have any other occupation, And Summer or rainy season, the sales should be imbalance. It should be affected on their income also. Some of the street vendors have some problems like place related problems or financial related. And their monthly income is low, and expenses should be high; it should be affected by their lifestyle. Street vendors are saving money from L I C, Chit Fund, Fixed deposit. Some of the street vendors are living in the rented house, paid the amount to Children education or gas bill or cable bill or electricity bill etc..Now a day’s women also doing the business in the informal sector, the women’s are making the decision independently or ability to do this business, it should women going to forward, they earn money for their children better education purpose or households, livelihoods, etc.

Pengaruh Pendapatan, Pengetahuan Dan Kerentanan Penyakit Terhadap Willingness To Pay (WTP) Premi Jaminan Kesehatan Pada Pekerja Sektor Informal

2021 ◽  
Vol 7 (1) ◽  
pp. 48-59
Author(s):  
Anom Dwi Prakoso
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Informal Sector ◽  
Low Income ◽  
Disease Susceptibility ◽  
Universal Coverage ◽  
Health Coverage ◽  
Cross Sectional ◽  
Susceptibility Data ◽  
Central Java

  Background: The Indonesian Government's target of Universal Coverage or 100% Health Insurance participation by 2019 failed to be achieved, even until the end of October 2020. The failure of universal coverage resulted in BPJS Health's finances getting worse after experiencing a deficit. Informal sector workers are the most dominant sector that has not participated in the Health Insurance scheme, totaling 30,487,891 workers. Low income, uncertainty each month, and the increase in contributions resulted in a decrease in Willingness to pay Health Insurance contributions. Research purposes: The purpose of this study is to analyze the effect of income, knowledge, and disease susceptibility to the willingness to pay (WTP) of health insurance contributions to informal sector workers. Method: This cross-sectional research was conducted in Kudus Regency, Central Java in January-February 2020. Sampling used purposive sampling with a total of 200 informal sector workers who had not yet participated in BPJS Kesehatan. The dependent variable is a willingness to pay. The independent variables are income, knowledge, and disease susceptibility. Data collection using a questionnaire and data analysis with logistic regression. Result: Willingness To Pay health insurance contributions for informal sector workers increased in income ≥Rp 2,218,451 (b = 2.02; 95% CI = 1.01-3.55; p = 0.044), high knowledge (b = 4.64; 95% CI = 2.36-8.31; p <0.001), high disease susceptibility (b = 3.01; 95% CI = 0.26-5.75; p = 0.031). Conclusion: Income, knowledge, and disease vulnerability have a significant effect on the willingness to pay for health insurance contributions for informal sector workers.   Keywords: Universal Health Coverage; Willingness To Pay; Health Insurance; informal sector workers.

scholarly journals Policy Implementation To Arrange The Street Vendors By The Government of Denpasar City, Bali Province

2019 ◽  
pp. 166
Author(s):  
Anak Agung Gede Oka Wisnumurti ◽  
Ni Nyoman Reni Suasih
Keyword(s):  
Policy Implementation ◽  
Low Income ◽  
Small Businesses ◽  
Urban Areas ◽  
Sampling Technique ◽  
Decent Work ◽  
Street Vendors ◽  
Qualitative Descriptive ◽  
Local Law ◽  
The Government

Street vendors are informal types of work (small businesses) that arise primarily in urban areas, carried out by low-income people (daily salaries), have limited capital, and consist of only one worker (self employed). The presence of street vendors in various major cities in Indonesia, including in Denpasar City, has become a dilemma that creates pro-contra, and has the potential to clash between citizens and officials of government. This is because street vendors sell their wares in public places that are considered strategic, thus disrupting public order, and other public peace. On the other hand, according to one of the SDG’s programs, the government has an obligation to realize decent work for everyone. In the effort of structuring street vendors, as well as helping small traders of economic actors in the informal sector, the government of Denpasar City issues Denpasar City Local Law No. 2 of the year 2015 about Street Vendors. Therefore, an analysis is needed to find out the implementation of Denpasar City Local Law No. 2 of the year 2015, as well as to find out the supporting factors and inhibiting factors of its implementation. This research is a qualitative descriptive study, where the data obtained through the process of observation, interviews, and documentation studies. Selection of informants through purposive sampling technique, and data analysis techniques using Merilee S. Grindle's theory of policy implementation and contingency theory by James Lester. The results of the analysis show that the implementation of Denpasar City Local Law No. 2 of the year 2015 for arranging street vendors is still faced with several obstacles such as: lack of location according to allotment, lack of adequate budget, evaluation that is rarely done, and sanctions that are not in accordance with what is written in the Regional Regulation and the lack of understanding of street vendors on the local law. An interesting finding is that it turns out that governemtn of villages and custom village have an important role in organizing street vendors in their areas.

scholarly journals Role of Social Capital on Prospering Informal sector Enterprise (Case of Street Vendors in street market Dewi Sartika, Bogor)

2018 ◽  
Vol 2 (2) ◽  
pp. 207 ◽  
Author(s):  
Dedy Yahya Harahap ◽  
Ivanovich Agusta
Keyword(s):  
Social Capital ◽  
Informal Sector ◽  
Inverse Relationship ◽  
Qualitative Data ◽  
Positive Relationship ◽  
Survey Methods ◽  
Rank Test ◽  
Street Vendors ◽  
Spearman Rank

PERAN MODAL SOSIAL TERHADAP KESEJAHTERAAN PENGUSAHA SEKTOR INFORMAL (Kasus Pengusaha Sektor Informal di Pasar Jl. Dewi Sartika, Bogor)Goal of the study was to test contribution social capital on migration, of the informal sector, social capital education entrepreneurs to improve informal sector entrepreneurs. The research conducts quantitative approach by survey methods and supported by qualitative data. The results showed assosiation between social capital and informal entrepreneur’s welfare. Spearman rank test between social anf welfare showed -0.480. That indicated inverse relationship among them. Spearman rank test between social capital on imigration and welfare showed 0.723. That indicate positive relationship between them. Spearman rank test between social capital an education and welfare showed 1.000. That indicated fully positive relationship between them.Keywords : Welfare, Social Capital, Informal Sector.---------------------ABSTRAK Tujuan dalam penelitian ini adalah menguji kontribusi modal sosial pekerja pengusaha sektor informal, modal sosial migrasi sektor informal, modal sosial pendidikan pengusaha sektor informal dalam meningkatkan kesejahteraan pengusaha sektor informal. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survey didukung dengan data kualitatif berupa wawancara mendalam, observasi. Hasil penelitian menunjukkan bahwa, peran modal sosial terhadap kesejahteraan berhubungan nyata. Uji kolerasi rank spearman menunjukkan bahwa hubungan pengusaha sektor informal dan kesejahteraan sebesar -0.480 dan nilai probabilitas sebesar 0.004. Hasil tersebut menunjukkan hubungan kuat namun berdifat negatif. Hubungan modal sosial migrasi pengusaha sektor informal dan kesejahteraan sebesar 0.723 dan nilai probabilitas sebesar 0.000. Hasil tersebut menunjukkan hubungan yang kuat dan bersifat positif antara kedua variabel. Hubungan modal sosial pendidikan pengusaha sektor informal dan kesejahteraan sebesar 1.000 dan nilai probabiliti sebesar 1.000. Hasil tersebut menunjukkan hubungan yang kuat, bersifat positif antara kedua variabel.Kata Kunci : Kesejahteraan, modal sosial, sektor informal.

Mexico City street vendors and the stickiness of institutional contexts

2017 ◽  
Vol 13 (2) ◽  
pp. 119-135 ◽  
Author(s):  
Farzad H. Alvi ◽  
Jorge Alberto Mendoza
Keyword(s):  
Emerging Markets ◽  
International Business ◽  
Informal Sector ◽  
Rational Expectations ◽  
Macro Level ◽  
Formal Sector ◽  
Street Vendors ◽  
Content Type ◽  
Institutional Contexts ◽  
Micro Level

Purpose The need for a firm’s business strategy to be responsive to the institutional contexts of emerging markets is well-established in the literature. Often, however, strategic responsiveness is impeded by defining institutional contexts as country-level aggregations (macro-level) and glossing over sub-national variations (micro-level). The purpose of this paper is to investigate micro-level contexts that can defy macro-level assumptions of economic rationality. Design/methodology/approach As a research site, the motivations of street vendors in Mexico City are analyzed in terms staying in one sub-national context, the informal sector, as opposed movement to another, the formal sector. Unanticipated reluctance to move from one context to another is defined as stickiness. Findings Sub-national institutional contexts are found to be sticky, with less movement between informal and formal sectors than would have been anticipated. Unexpectedly, it is found that a significant number of street vendors prefer the hardship of the informal sector to the relative security of the formal sector. Research implications International business research makes assumptions about the growth narrative of emerging markets, often characterizing a growing middle class as a rising tide that lifts all boats. In terms of further research on adapting strategy, however, assumptions of rational expectations ought to be tempered, as demonstrated by the stickiness of the informal sector. Originality/value A contribution is made to the international business literature by showing that macro-level assumptions about institutional context based on rational expectations of wealth-maximizing behavior in emerging markets may result in an incomplete view of institutional context. Ultimately, adaptation of strategy could be impaired as a result.

scholarly journals Barriers to Access to and Usage of Financial Services in Ethiopia

2017 ◽  
Vol 7 (1) ◽  
pp. 139 ◽  
Author(s):  
K. Sambasiva Rao ◽  
Andualem Ufo Baza
Keyword(s):  
Low Income ◽  
Financial Services ◽  
Financial Institution ◽  
Fixed Cost ◽  
Physical Point ◽  
Fixed Charges ◽  
Barriers To Access ◽  
Financial Exclusion ◽  
Low Income Groups ◽  
Regulatory Barriers

We study the interplay between financial exclusion and barriers to inclusion. Our model shows that financially excluded individuals are exposed to barriers to inclusion that prohibit their access to financial services even in absence of voluntary exclusion. We call these situation “involuntary exclusion,” since people lack access to and use of financial services due to barriers to inclusion that are otherwise overlooked social exclusion. We show that barriers to inclusion are more likely to occur when lack of access to physical point of financial services, poverty, lack of credit, prohibitive fixed cost of transacting at financial institution, legal and regulatory barriers and low competition among financial institutions. We analyze financial exclusion as a function of barriers to inclusion, examining the trade-off between unbanked adults and barriers to banking. We verify the model’s prediction that financial exclusion is more likely to occur among low income individuals in which assets holdings are low, as well as individuals who are too far away from physical point of access and those individuals who cannot afford bank fixed charges, than others. We also show that individuals are more likely to be financially excluded (relative to others) in low income groups in which barriers to inclusion are more frequent. 

Moving Towards Decent Work for Street Vendors in Tanzania

Utafiti ◽  
2020 ◽  
Vol 15 (2) ◽  
pp. 257-278
Author(s):  
Nasibu Rajabu Mramba ◽  
Nandera Ernest Mhando
Keyword(s):  
Low Income ◽  
Work Force ◽  
Low Income Countries ◽  
Decent Work ◽  
Local Economies ◽  
Street Vendors ◽  
Street Vending ◽  
Quality Of Work ◽  
Goods And Services

Abstract Street vending is an important employment opportunity for the millions of youth, women, anyone with very few resources and the least-skilled people in low-income countries. Its popularity is due to the ease of entry into the business as far as costs, legal eligibility, and level of education. Despite their importance to local economies, street vendors operate in challenging environments that limit the productivity, the decency, and the sustainability of this kind of work. Governments should play a central role in improving the quality of work in this sector, particularly in countries where it constitutes a large proportion of the nation’s work force, and provides goods and services to so many people.

scholarly journals Legal Consequences for the Execution of Foreclosed Collateral (AYDA), Both for the Ownership of Collateral and for the Bank

2019 ◽  
Vol 6 (10) ◽  
pp. 124
Author(s):  
Defrianta Sukirman ◽  
Kurnia Warman ◽  
Ulfanora Ulfanora
Keyword(s):  
Low Income ◽  
Financial Services ◽  
Financial Institution ◽  
Islamic Banking ◽  
Minimum Level ◽  
Legal Risk ◽  
Legal Risks ◽  
The Republic ◽  
Legal Sociology ◽  
Legal Consequences

As a sharia financial institution that carries out the intermediation function, Islamic banking has a risk of financing problems. This problematic financing does not only have an impact on the low income as a business institution, and ultimately results in the soundness of the bank. Settlement of problem financing is always sought in an efficient and effective way, with a minimum level of legal risk. This settlement effort is certainly inseparable from the provisions of the Islamic banking law, the the mortgages Act and the regulations of the financial services authority. One of the efforts to resolve the problematic financing allowed by the sharia banking law, and the regulation of the financial services authority is the Foreclosed Collateral (AYDA), even though this effort is contrary to the provisions of the mortgages Act. The problems in this thesis are four, namely first, the process of binding financing that is burdened with mortgagerights at PT. Bank Syariah Bukopin, Bukittinggi Branch. Secondly, the debt settlement process in financing encumbered with Foreclosed Collateral(AYDA) at PT. Bank Syariah Bukopin, Bukittinggi Branch. Third, concerning the legal consequences of the Foreclosed Collateral (AYDA), both for the ownership of collateral and for the Bank. Fourth, regarding the realization of the sale of Foreclosed Collateral (AYDA). This thesis research uses a sociological juridical research method, which moves from the existence of norm conflicts between laws and regulations related to efforts to resolve problematic financing by means of Foreclosed Collateral (AYDA), including its implementation at PT. Bank Syariah Bukopin, Bukittinggi Branch. The approach in legal sociology research, using the legislative approach and implementation practices, is carried out by reviewing and analyzing regulations regarding AYDA and implementation and the legal consequences of AYDA implementation. The results of the study indicate that the implementation of the AYDA is contrary to the mortgages Act and has legal risks in the form of null and void. For this reason, it is recommended that the implementation of the AYDA be avoided and steps taken to adjust the applicable provisions. This is to avoid not only legal risk for banks and customers as executors of existing regulations, but also to ensure the certainty and effectiveness of the laws that apply in the Republic of Indonesia.

scholarly journals The Influence of Characteristics of Worker and Business on the Income of Informal Sector Workers in Yogyakarta

Populasi ◽  
2021 ◽  
Vol 29 (1) ◽  
pp. 77
Author(s):  
Jagad Hidayat Jati ◽  
Sri Rum Giyarsih ◽  
Luthfi Muta'ali
Keyword(s):  
Human Resources ◽  
Informal Sector ◽  
Low Income ◽  
Secondary Data ◽  
Binary Logistic Regression ◽  
Internet Technology ◽  
Gender And Age ◽  
Hours Of Work ◽  
Secondary Data Sources ◽  
Use Of Internet

Yogyakarta has excellent human resources, but informal sector workers are threatened with low income. This article aims to examine how the influence of worker and business characteristics on informal sector workers’ income in Yogyakarta. Characteristic of workers consist of education, work or business experience, status in the household, marital status, gender, and age. Then business characteristics consist of types of business fields, working days, hours of work, length of work, use of internet technology, and financial bookkeeping. The study was conducted quantitatively using secondary data sources obtained from the National Labor Force Survey (Sakernas) in August 2018. The data were analyzed using binary logistic regression. The findings show that both partially and simultaneously, each factor of the two characteristics has a significant influence on the income of informal sector workers in Yogyakarta.

scholarly journals DILEMA KEBERADAAN SEKTOR INFORMAL

2013 ◽  
Vol 4 (2) ◽  
Author(s):  
Hartati Sulistyo Rini
Keyword(s):  
Informal Sector ◽  
Safety Valve ◽  
State Policies ◽  
Formal Sector ◽  
Street Vendors ◽  
Economic Issues ◽  
Job Opportunities ◽  
Pros And Cons ◽  
The City

Sebagai sistem ekonomi alternatif, keberadaan sektor informal mengundang pro dan kontra. Peranannya yang signifikan sebagai katup pengaman ekonomi nasional belum diimbangi dengan proteksi atau perlindungan dari pemerintah. Tujuan penelitian ini adalah membahas peran sektor informal dalam mengatasi masalah sosial ekonomi masyarakat dan dilema yang dialami oleh sektor informal dalam menjalankan perannya tersebut. Hasil penelitian ini menunjukkan terdapat peran sektor informal pada bidang ketenagakerjaan dan penyerapan angka pengangguran. Sektor formal dianggap tidak mampu menyediakan kesempatan kerja untuk seluruh lapisan masyarakat, apalagi mereka yang ada pada posisi marjinal. Pada beberapa kasus-khususnya yang berhubungan dengan sektor informal perkotaan perlakuan dan kebijakan negara menjadi sangat diskriminatif karena seringkali berhadapan dengan kebijakan negara yang bahkan berakhir dengan kekerasan.  Perlindungan terhadap sektor informal salah satunya adalah pada pedagang kaki lima di Surakarta.  Kota ini menjadi contoh representatif dalam pengorganisasian kepentingan  pemerintah  dan pedagang kaki lima. Ini dapat menjadi inspirasi positif bagi penanganan sektor informal di tempat yang lain untuk memperluas lapangan kerja bagi masyarakat dan meningkatkan kesejahteraan sosial. As an alternative economic system, the existence of informal sector invites pros and cons. The significant role of informal sector as a safety valve of the national economy has not been matched by government with the protection or support The objective of this study is to discuss the role of the informal sector in addressing social and economic issues, and the dilemma faced by the informal sector in carrying out this role. The results of this study shows that there is an important role of the informal sector in the field of employment and unemployment absorption. The formal sector is not considered able to provide job opportunities to all levels of society, especially those in marginal positions. In some cases, particularly with regard to the urban informal sector-treatment and state policy became very discriminatory because often faced with state policies and even lead to violence. The protection of the informal sector one is on street vendors in Surakarta. The city is become representative example in organizing between the government’s interest and street vendors. It can be a positive inspiration for handling informal sector in other places to expand employment opportunities for the community and increase social welfare.

scholarly journals Informal Financial Institution and Sustainable Development Goal of Poverty Reduction in Kogi State, Nigeria

2019 ◽  
pp. 1-15
Author(s):  
Oluwoyo, J. Temidayo ◽  
Audu Peter
Keyword(s):  
Local Government ◽  
Financial Market ◽  
Low Income ◽  
Poverty Reduction ◽  
Financial Institution ◽  
Sampling Technique ◽  
Legal Framework ◽  
Least Square ◽  
The Masses

Among the various SDGs, Poverty reduction which is the foremost goal is fundamental, strategic and crucial to the achievement of the other goals in which can be achieved among other ways with an efficient, effective, diverse, indigenous and innovative financial market. With a dualised financial market inherent in Nigerian economy as obtainable in most developing countries, the study seeks to study the role of the informal financial institution on the sustainable goal of poverty reduction in Nigeria with particular reference to Kogi State using the Moneylender theory as its theoretical Framework. The study sampled 600 respondents using stratified sampling technique carried out by dividing the population into 3 subsets based on the senatorial districts ( East, West, Central) 4 local government areas are randomly selected from each of the senatorial districts, 10 wards were selected from each of the local government area to give a total of 120 stratum. 10 respondents were selected from each of the wards  concluded whose response was analyzed using descriptive statistics and Ordinary Least square hence the result showed that Non financial institution is a potential voyage toward the actualization of the Sustainable goal of poverty reduction in Kogi state, Nigeria and recommended that  Institutional and legal framework be structured to enable non financial institution to perform the role of money lender while serving as intermediary between the complex financial institution and the unorganised low income earners alias the  masses and those in the social recesses of the society.

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