• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.11
• /
• pp.97-106
• /
• 2021

The condition of financial services in Indonesia is unique, based on various characteristics, behaviors, and preferences. Therefore, the study of finance and banking is interesting to study as a recommendation for government policies. This paper aims to analyze the barriers to accessing formal financial services in Indonesia and why informal financial services are preferred. This paper presents a case study of financial inclusion in selected provinces in Indonesia using the SOFIA dataset from the Ministry of National Development Planning. Overall, this data consists of 20,000 individuals from 4 provinces and 93 regions representing the population in eastern Indonesia. The analysis was carried out by processing individual-level cross-sectional data surveyed in 2017 using the probit binary logistic method. The results identify the individual barriers in accessing formal financial services, including account ownership, saving, and credit activities in the formal financial institutions, and amplify the image by analyzing what determinants affect people to choose informal institutions. We found that some individual characteristics such as age, gender, education, income, employment status, residence, and access to technology significantly affect the barrier to formal financial services in East Indonesia.

• Journal of The Korean Association For Science Education
• /
• v.22 no.5
• /
• pp.1082-1102
• /
• 2002

Most of comparative studies in science teacher education so far have been conducted in terms of teacher education policy, pre- and in-service training system and curriculum, and certificate system. While such superficial information can be readily obtainable, it does not necessarily enable us to make access to reality of science teachers' professional development in respective countries, because practice in professional development among science teachers is deeply embedded into respective socio-cultural environment or climate. In order to get information on reality in science teachers' professional development, alternative approaches of research should be developed. This paper aims at pursuing an alternative way to approach reality of Japanese science teachers' professional development. An email survey of free description method with 29 in-service science teachers with a variety of years of experience in Ibaraki Prefecture, Japan, revealed that Japanese science teachers have developed their expertise through very close daily-based communication with their peer science teachers. At least, within their consciousness, neither formal in-service training programs, nor pre-service training programs have had much stronger effects on their professional development than such non-formal, daily-based, deep, apprenticeship-typed or in some sense, family-typed communication. The results suggest that in order to conduct meaningful comparative studies, we should take much more attention to how to make access to reality of science teachers' professional development.

• International Journal of Computer Science & Network Security
• /
• v.21 no.12
• /
• pp.189-192
• /
• 2021

The article theoretically substantiated, developed and practically implemented a structural and functional model of the formation of ICT competence, taking into account interdisciplinary integration, defines the pedagogical conditions that contribute to the formation of ICT competence: interdisciplinary integration as a basis for building an interdisciplinary course, the content of which is aimed at the formation of ICT competence; the use of IEE, including information, didactic, technological components as a basis for the formation of ICT competence; integration of formal, non-formal and informal education for the implementation the integrity of the acquired knowledge, skills, experience as the basis for the formation of the ICT competence of teachers; creation and use of a set of tasks (educational (UZ), educational and methodological (UMP), educational and professional (UPZ)) as special tools for the formation of ICT competence.

• Journal of Digital Convergence
• /
• v.12 no.11
• /
• pp.607-615
• /
• 2014

Outdoor education emphasizes diverse experiences from the internal growth which is expected from the learners, to the ecological and environmental experiences. It is also the needs of this time and reflected in the education system of Korea. However the goal of outdoor education is not well defined and philosophical efforts to clarify it is also not enough. In this respect, we tried to define the goal and investigated professionalism of outdoor education. Specifically, we investigated the professionalism of teachers and instructors of physical education. The goal was investigated in two areas 1) holistic experience and problem solving skill and 2) aiming self-reflective practitioner. The idea was that educators must not aim simple educational efficiencies but have to become self-reflective practitioners through everyday life. The conclusions of this study are firstly, a safety manual is required to avoid possible injuries and to give first aid in an unfortunate occasion, secondly, an education program is required to train outdoor professionals and lastly, outdoor education should not remain in the boundary of formal education but should be included in non-formal education.

• Journal of Fisheries and Marine Sciences Education
• /
• v.24 no.3
• /
• pp.459-467
• /
• 2012

Marine aquariums are excellent venues for accomplishing the purpose of marine education, and school field trips conducted at non-formal settings continue to be an important part of K-12 education. The purpose of this study is to provide quantitative data regarding the extent and quality of marine aquarium field trips conducted by elementary school teachers in Seoul. A web survey designed to explore elementary school teachers' experiences and perspectives on aquarium field trips identified several concerns regarding Korean marine aquarium education. Discussions for both Korean aquaria's educational roles and Korean elementary schools' successful field trips to aquaria are presented with the goal of improving the quality of Korean marine aquarium education.

• Research in Mathematical Education
• /
• v.23 no.1
• /
• pp.1-12
• /
• 2020

In this case study, a professor was observed to investigate use of instructional examples when teaching the Intermediate Value Theorem in a calculus course. Video-recorded lessons were analyzed with constant comparison to video-stimulated recall interviews and field notes. The professor employed multiple instructional examples, which was initiated by students and modified by the professor. The professor asked students to build non-existing examples as an informal proof of the Intermediate Value Theorem and assessment of students' previous knowledge. Use of incorrect examples on instructional purpose can be an appropriate way for formative assessment as well as a bridge between informal and formal proofs in college mathematics.

• Journal of the Korean Regional Science Association
• /
• v.14 no.2
• /
• pp.65-75
• /
• 1998

Education is widely recognized one of main sources for growth. This paper attempts to incorporate the general recognition into formal regional growth model. The model structure is largely neoclassical. It produces a single good with the two factors, educated labor and non-educated labor, via a constant return production migrating to the region with the higher real wage. The educated labor in a region is accumulated by two sources, migration and physical education capital, while the non-educated labor is by only migration. The paper shows that regional growth equilibrium is characterized as a saddle point. This indicates the presence of the minimum threshold size that must be overcome before a region may grow. It contrasts sharply with results obtained in regional growth models. The paper suggests that regional growth is determined less by the technical characteristics of regional production function characteristics of regional production function but by the stock combination of educated function but by the stock combination of education labor and non-educated labor. Based on this result, the impact of agglomeration economies on regional growth is explored. It is by phase diagram demonstrated that the presence of agglomeration economies do not always lead a region to growth since there still exists the minimum threshold even in the presence of agglomeration economies.

• Journal of Educational Research in Mathematics
• /
• v.20 no.4
• /
• pp.511-528
• /
• 2010

Students' intuition in formal proof should be expressed as symbols according to the deductive process. The symbol will play a role of the mediation between the intuition and the formal proof. This study examined the evolution process of intuition mediated by the symbol in geometry proof. According to the results first, symbol took the great roles when students had the non-formed intuition for the proposition. The signification of symbols could explain even the proof process of the proposition with the non-expectable intuition. And when students proved it by symbols, not by figure nor words, they could evolute the conclusive intuition about the proposition.

• 대한공업교육학회지
• /
• v.45 no.2
• /
• pp.131-158
• /
• 2020

The purpose of this study is to develop and apply an informal engineering education program for engineering education that is realized outside the framework of formal education. To this end, a non-format engineering education program was developed and rationalized, discussing participants' experience in participating in the program. The developed non-format engineering education program was applied to 90 high school learners interested in engineering in a one-night, two-day camp format, and the goal was confirmed through open surveys and in-depth interviews. The goal of the non-format engineering education program is to understand the importance of engineering and engineering design in real life and the principles of engineering design processes, and to use a variety of knowledge and tools to creatively solve engineering problems creatively. In addition, education programs were developed based on the fact that real-life examples allow engineers to understand what they do, design their own careers, and collaborate with colleagues to share various engineering issues and develop communication skills on engineering topics.

• Journal of Engineering Education Research
• /
• v.20 no.3
• /
• pp.32-41
• /
• 2017

The $4^{th}$ industrial revolution refers to an era where machines capable of outperforming humans are created. In light of the 4th industrial revolution, university students are demanded problem solving abilities, critical thinking abilities, and problem discovering abilities as general and basic abilities. The need for changes in the university level communication education for engineering students remains imperative in this constantly changing social environment. The era where education is conducted only in classrooms is over. This paper discusses the need for diversified education such as the integration of online and offline education, the reinforcement of learning outside of the classroom as well as an education model that transcends formal and informal education such as games and activities that induce self-learning, both intentional and non-intentional learning, and the utilization of mass media and social networking systems. Through providing an education model that assesses and utilizes the data gained from the learning process provided above, this paper widens the perception of future education methods in the 4th industrial revolution.