• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.643-655
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• 2021

This study investigated the effect of the Amanah Ikhtiar Malaysia (AIM) microfinancing on the economic, social, and household empowerment of women borrowers in Malaysia. The study used a quantitative approach based on primary data. For this study, the participants comprised 384 AIM borrowers from Terengganu, Kelantan, and Pahang in the east coast region of Malaysia. Purposive stratified random sampling was used as well as the Krejcie and Morgan method to count the number of samples. Descriptive statistics and the Women Empowerment Index (WEI) were used in the analysis. The study findings reveal that AIM microfinancing affects the economic, social, and household empowerment of women borrowers in Malaysia. However, in comparing the three categories, women enjoyed more freedom in social and household decision-making than in economic decision-making. The present study recommends policies for the successful and effective operation of microfinance programs by providing the necessary guidelines for the control of AIM loan for women borrowers; increasing income-generating activities, sufficient access of credit, and proper education for the borrowers; and giving economic freedom of choice with necessary skill training policymaking options for the government and NGOs with the aim to improve the total household income and empowerment of the microcredit borrowers in Malaysia.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.403-411
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• 2021

This paper discusses the relationship between debt literacy, peer-to-peer lending, and over-indebtedness in Indonesia. It is essential because the number of loans on this platform continues to increase, both legal and illegal. Data was collected online in collaboration with commercial market research firms, JajakPendapat.net. Debt literacy and over-indebtedness were measured by self-assessment with questions from Lusardi and Tufano (2009a). Questions for debt literacy are about interest compounding, debt interest, and the application of time value of money in payment options. The question for over-indebtedness is about the amount of debt and the conditions resulting from that debt. By using descriptive methods, it is clear that the majority of respondents, both borrowers and non-peer-to-peer lending borrowers are debt illiterate, and those who have poor debt literacy have huge debt. Overall, only 1.85% of the respondents were debt literate. Those who live on the island of Java have better literacy because they are the center of economic growth in Indonesia. Debt from peer-to-peer (P2P) lending also has the potential to create problems, namely over-indebtedness. P2P lending borrowers also have very poor debt literacy. However, there is no difference in debt literacy between P2P lending borrowers and non-P2P lending borrowers.

• 한국도서관정보학회지
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• 제52권2호
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• pp.379-400
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• 2021

본 연구는 우리나라 공공도서관 인프라 확충에 따른 도서관 이용의 변화 추이를 분석하고, 그 결과에 따라 도서관의 새로운 역할과 서비스를 모색하는 데 그 목적이 있다. 통계분석과 문헌조사법 그리고 부분적인 인터뷰 방법을 사용하여 2009년부터 2019년까지의 공공도서관 대출자 수 및 대출 책 수를 조사·분석하였다. 조사 결과 도서관 수는 조사기간 동안 61.3% 증가한 반면, 대출자 수는 57.5% 감소하였고, 대출 책 수는 18,2% 증가에 그쳤다. 분석 결과 대출자 수감소 원인은 통계 입력 과정에서의 착오와 도서관에서 행해진 대출실적 부풀리기로 밝혀졌다. 조사기간 동안 어린이와 청소년 인구가 감소하였는데, 이것은 어린이와 청소년 대출자 수 감소로 이어졌다. 연구 결과 우리나라의 공공도서관 이용은 다른 선진국처럼 그 증가가 정체되고 있는 것으로 밝혀졌다. 공공도서관의 발전을 위해 다음과 같은 새로운 역할과 서비스를 제안한다: 도서관은 비대면 서비스 및 비실물자료를 확대·확충하고 그 이용을 활성화 시킨다. 문화 및 평생교육 프로그램을 더욱 확대한다.

• Agribusiness and Information Management
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• 제8권2호
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• pp.1-8
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• 2016

The present study has aimed at analyzing the technical and scale efficiencies of credit utilization by the farmer-borrowers in Chittoor district of Andhra Pradesh, India. DEA approach was followed to analyze the credit utilization efficiency and to analyze the factors influencing the credit utilization efficiency, log-linear regression analysis was attempted. DEA analysis revealed that, the number of farmers operating at CRS are more in number in marginal farms (40%) followed by other (35%) and small (17.5%) farms. Regarding the number of farmers operating at VRS, small farmers dominate the scenario with 72.5 per cent followed by other (67.5%) and marginal (42.5%) farmers. With reference to scale efficiency, marginal farmers are in majority (52.5%) followed by other (47.5%) and small (25%) farmers. At the pooled level, 26.7 per cent of the farmers are being operated at CRS, 63 per cent at VRS and 32.5 per cent of the farmers are either performed at the optimum scale or were close to the optimum scale (farms having scale efficiency values equal to or more than 0.90). Nearly 58, 15 and 28 percents of the farmers in the marginal farms category were found operating in the region of increasing, decreasing and constant returns respectively. Compared to marginal farmers category, there are less number of farmers operating at CRS both in small farmers category (15%) and other farmers category (22.5%). At the pooled level, only 5 per cent of the farmers are operating at DRS, majority of the farmers (73%) are operating at IRS and only 22 per cent of the farmers are operating at CRS indicating efficient utilization of credit. The log-linear regression model fitted to analyze the major determinants of credit utilization (technical) efficiency of farmer-borrowers revealed that, the three variables viz., cost of cultivation and family expenditure (both negatively influencing at 1% significant level) and family income (positively influencing at 1% significant level) are the major determinants of credit utilization efficiency across all the selected farmers categories and at pooled level. The analysis further indicate that, escalation in the cost of cultivation of crop enterprises in the region, rise in family expenditure and prior indebtedness of the farmers are showing adverse influence on the credit utilization efficiency of the farmer-borrowers.

• 한국비블리아학회지
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• 제4권1호
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• pp.85-102
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• 1980

Accepting the necessity for maintaining the objectives of the existing circulation system, the computer-based system could be designed by the system analyst and librarians to gain a variety of improvements in the maintenance, accessibility of circulation records and more meaningful statistical records. If the terminal can be operated on-line, then this circulation data is transmitted directly to the computer, where it may update to the circulation file immediately or alternatively be kept in direct access file for updating in batch mode. on-line system in the circulation operations is "data-collection system" and "Bar-coded label system" Bar-coded label system is simple, quick, and error-free input of data. Attached to CRT terminal is a "light pen" which is hand held and will read a bar-coded label as the pen is passed over the labels (one affixed to the book itself, other carried on the borrower cards). Instantaneously the data concerning transaction is stored in the central mini-computer. It is useful, economical for us to co-operate many libraries in Korea and design borrower's ID code, book no., classification code in the Bar-coded label system by the members of the computer center and the library staff at every stage. As for book loan, the borrowers ID code, book number and classification code are scanned by the bar-code scanner or light pen and the computer decides whether to loan and store the data. The visual display unit shows the present status of a borrowers borrowing and decides whether borrower can borrow.

• 한국산학기술학회논문지
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• 제15권12호
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• pp.7060-7067
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• 2014

대학생의 독서활동은 창의융합형 인재 양성에 있어서 기본적인 핵심 요소로 각 대학마다 다양한 교양교육 및 도서관 프로그램을 개발하여 시행하고 있다. 실제로 대학도서관에서는 주기적인 도서관만족도조사와 도서관이용자실태조사를 통해 도서관 서비스를 점검하고 개선하고 있지만, 대학생의 독서량과 대출책수 및 대출자 비율은 기대 이하이다. 이에 본 연구에서는 대학신입생 대상의 심층적인 도서대출 자료 분석을 통해 학생 중심의 도서관 서비스 개선 및 활성화 방안으로 (1)도서관 이용자교육의 조기 실시, (2)학생 참여형 도서관 수서(收書), (3)도서관 이용 자료의 학생 상담 활용, (4)학습지원을 위한 도서관 디포지터리(Depositary) 구축, (5)학생 개인별 도서관 CRM 도입 등을 제시하였다. 이를 통해 대학도서관의 대출책수와 대출자 비율이 기대치 이하인 각 대학도서관(전문대학 포함)에 실질적인 도움이 될 수 있을 것이다.

• 한국도서관정보학회지
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• 제44권4호
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• pp.399-419
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• 2013

이 연구는 우리나라 공공도서관의 규모를 나타내는 8가지 변인을 대상으로 2011년도 통계데이터를 적용한 분포에서 어떤 독특한 특성이 나타나는지를 실증적으로 분석하였다. 그 결과 8가지 규모변인들 모두에서 멱함수 법칙이 나타나는 복잡계 현상이 발견되었다. 우리나라 공공도서관의 규모에서 양극화가 발생한 것이다. 특히 연면적, 직원수, 도서수, 예산의 변인에서는 지프의 법칙이 나타났다. 그리고 등록회원수, 자료실 이용자수, 대출자수, 대출권수의 변인에서는 지프의 법칙보다 더 심하게 불균등한 분포가 나타났다. 따라서 우리나라 공공도서관 규모의 양극화 현상을 해소할 수 있는 정책의 개발이 요구된다.

• The Journal of Asian Finance, Economics and Business
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• 제8권8호
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• pp.421-431
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• 2021

This study investigates the empirical linkages between ASEAN countries' institutional quality and financial inclusion using country data from 2008-2019. In this paper, six governance indicators from the World Governance index are used to measure the impact of institutions on financial inclusion. The PCA method's financial inclusion index is constructed from 3 indicators: penetration, access, and usage: penetration, access, and usage with six indices respectively as the number of ATMs per 1000 km², the number of bank branches per 1000 km², the number of ATMs per 100,000 people and the number of bank branches for 100,000 adults, the ratio of credit to private to GDP, and the ratio of deposit to private to GDP. Regression analysis with the Generalized Moments method shows the positive impact of institutions and other control variables like GDP per capita, inflation, bank concentration, and human development index on financial inclusion. Therefore, this study recommends that the government and policymakers in countries pursue the financial inclusion agenda to pay attention to the financial and economic indicators and institutional factors. This is because many savers, borrowers, and investors may not be protected when financial contracts are enforced or breaches occur in an environment where economic, legal, judicial, and political institutions are weak, such as in ASEAN countries.

• 한국농촌생활과학회지
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• 제6권2호
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• pp.137-149
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• 1995

The first objective of this study is to examine the finanacial management practices of rural housewives. The second objective is to determine the effects of sociodemographic characteristics on financial management practices. The Deacon & Firebaugh's model of family resource management framework and previous studies were used to determine the effects, regarding a9e, income, number of family, education level, and farming/nonfarming as independent/input variables, and monthly saving and managerial behavior index as dependent/throughput variables. A sample of 179 rural housewives aged less than 60 was selected from Shihung-Si Gyonggi-Do Province. Results showed that rural housewives more frequently did keeping bills, making purchase-list and verifying purchase need than recording where money spent making financial plan, and evaluating spending. With regard to household debt use, 60% of the sample had debt the most borrower used debt for farming, 73% of borrowers paid for their debt behind the schedule, and the main source of borrowing was NACF (NongHyup). Using installment credit, the rural housewives mainly bought cosmetics. 25% of the sample had credit cards. Average debt was 6, 070, 000 won, and 81% of annual income. In terms of saving, 85% of the sample saved, and 23% of the sample lived with the money after save. The main reasons of saving were for education and marriage of children and emergency. The main saving institutions were NACF and NLCF (ChukHyup). The regression showed that income was negatively associated with monthly saving, and age was identified as the positive determinants of managerial behavior index.

• The Journal of Asian Finance, Economics and Business
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• 제6권2호
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• pp.33-44
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• 2019

The Indonesian government launched a new people's business credit program as part of a package of economic policy and deregulation. The interest rate is set lower than the average of the current loan interest rates, especially when compared with rural bank interest rates. To capture the social spatial aspects, quota sampling is applied to ten areas that divided based on the social culture. Further, the method utilized in this research is logit models, which designed to analyse the determinants of asymmetric information particularly on the rural bank and small micro enterprises. The study was conducted in East Java as the province with the largest number of rural banks in Indonesia. Based on the estimation of asymmetric information model to the respondent of rural banks and small businesses, the result shows that adverse selection can be avoided by strengthening the information about prospective borrowers. Regarding moral hazard, rural banks and small businessmen argued that the imposition of the collateral to the debtor has an important role to avoid moral hazard. Rural bank respondents stated that the KUR program with low-interest rates has affected their business development. The results implied the need of broadening the collaboration schemes between this people's business credit program and rural banks.