Suchergebnisse

Gresik regency has 27 tourist destinations supported by small and medium industries both in the sector of food and beverage, handicraft, Muslim fashion and its equipment, which has been established since several years ago. It seems that the development of this industry is stagnant although it is actually potential to be developed and can be a trigger for the welfare of the small industrial community of Gresik regency in East Java. The problems that occur in small and medium industry community of Giri regency of Gresik regency based on the survey result is that business actors still do not have financial literacy, marked by not understanding about financial planning, not yet separating recording and financial storage in their family or business. Besides, there is still limited socialization of financial inclusion so that in general they are still unbanked. Based on factor analysis on financial literacy and financial inclusion, there are some attributes that significantly affect financial literacy of small and medium industries, namely financial planning, experience in finance, socialization of financial literacy from related parties, socio-economic status, economic attitude, financial behavior, financial attitude, financial crisis, government policy, financial education, demography, investment, saving, consumption, financial wellbeing, financial concerns, self control, old age, and gender. While the attributes of financial inclusion include credit management, knowledge of credit guidelines, consumer over in-debtedness, saving and deposit functions. The strategies that should be done in the short term based on the attributes found in this study are: 1) to conduct financial literacy and financial inclusion education with attention to the significant attributes, 2) perform mentoring from financial planning to the preparation of financial statements, 3) giving motivation to separate between family finance and business finance 4) the government is expected to grow ...

ABSTRACT Context: natural experiments or quasi-experiments have become quite popular in management research. The differences-in-differences (DiD) estimator is possibly the workhorse of these techniques. Objective: the goal of this paper is to provide a tutorial that serves as practical guide for researchers considering using natural experiments to make causal inferences. Methods: we discuss the DiD advantages, concerns, and tests of validity. We also provide an application of the technique, in which we discuss the effect of government guarantees on banks' degree of risk, using the 2008 financial crisis as a natural experiment. The database used, as well as the Stata and the R scripts containing the analyses, are available as online appendices. Conclusion: DiD may be used to tackle endogeneity concerns when treatment assignment is random.

Presenting an analysis of higher education in eight countries in the Arab Middle East and North Africa, Degrees of Dignity works to dismantle narratives of crisis and assert approaches to institutional reform. Drawing on policy documents, media narratives, interviews, and personal experiences, Elizabeth Buckner explores how apolitical external reform models become contested and modified by local actors in ways that are simultaneously complicated, surprising, and even inspiring. Degrees of Dignity documents how the global discourses of neoliberalism have legitimized specific policy models for higher education reform in the Arab world, including quality assurance, privatization, and internationalization. Through a multi-level and comparative analysis, this book examines how policy models are implemented, with often complex results, in countries throughout the region. Ultimately, Degrees of Dignity calls on the field of higher education development to rethink current approaches to higher education reform: rather than viewing the Arab world as a site for intervention, it argues that the Arab world can act as a source for insight on resilient higher education systems. ; This book has been published with the help of a grant from the Federation for the Humanities and Social Sciences, through the Awards to Scholarly Publications Program, using funds provided by the Social Sciences and Humanities Research Council of Canada. University of Toronto Press acknowledges the financial assistance to its publishing program of the Canada Council for the Arts and the Ontario Arts Council, an agency of the Government of Ontario.