Access To Finance Research Articles

Stored collections of museums: an overview of how visible storage makes them accessible

Purpose This study aims to provide an overview of the dimension of stored collections displayed in visible storage and to indicate the main factors which hinder their accessibility. Design/methodology/approach This study is based on quantitative analysis: a survey was conducted through the offices of International Council of Museums and direct invitations to 2,558 museums located worldwide. Findings The study estimated 32% on average the share of stored collections displayed in visible storage. The analysis provides a picture of how many stored items are made accessible in visible storage across the continents, according to the collection’s type and size and the museums’ legal status. In addition, several aspects of visible storage are investigated to highlight whether or not it truly enables museums to achieve accessibility of their stored collections and which factors might hinder the accessibility. Amid them, the foremost factors involve the inadequacy of resources, such as the lack of staff (71%) and poor budget (68%). Because of it, museums are prone to setting up offsite storage (37%), often 16 km far from the city centre, thereby questioning the concept of accessibility itself. Research limitations/implications One major limitation of this study is that it does not consider people’s standpoints. Therefore, the author recommends that future studies focus on what people opine on visible storage, such as their appreciation of the display format, the behind-the-scenes, their need for interpretation and the degree of satisfaction with their information needs, as well as their perception of the size of stored collections. Practical implications These findings suggest that museums could take action in areas whereby the data demonstrated weaknesses in terms of accessibility. For instance, museums could set up a shuttle service or arrange public transportation service to allow people to visit offsite storage. Additionally, financial accessibility might be achieved by not charging some groups (elderly, students, etc.). Social implications The topic of stored collections and their accessibility has crucial social implications because not displaying collections triggers inequality amid social groups of excluded people and a small elite. Originality/value This study focuses on visible storage as a possible solution to enhance the accessibility of collections and indicates to what extent visible storage provides this accessibility. On the contrary, previous research did not estimate how much visible storage impacts the accessibility of stored collections.

Assessment of Biomass Energy Potential for Biogas Technology Adoption and Its Determinant Factors in Rural District of Limmu Kossa, Jimma, Ethiopia

Increasing clean energy access for the rural population of developing countries is a priority to meet the United Nation’s Sustainable Development Goals-Zero hunger and affordable modern/clean energy for all. Similarly, to meet this goal, Ethiopia moved towards the development of renewable energy. However, there is a limited knowledge on the biomass energy potential for biogas technology adoption at the local/district level. Thus, this study aimed at assessing the biomass energy potential for biogas technology adoption and its determinant factors among rural households in Limmu Kossa district, Ethiopia. Data was collected from 411 households from 13–24 June 2021. The quantitative data was analyzed using Statistical software Package for Social Science (SPSS) version 23 and Microsoft Word-Excel. The qualitative data was analyzed using content analysis. The study showed that over 96% of households rely on the traditional use of biomass energy for cooking. Nevertheless, on average, about 1 m3 of biogas energy can be potentially available from livestock dung and human excreta per household per day. However, the huge potential of biomass energy did not contribute to improved energy technologies such as biogas. The adoption of biogas is hampered by the non-functionality of the installed biogas, a lack of awareness, the availability of firewood, and the socio-economic characteristics of the households. Thus, improving the awareness of the community, arranging financial access, and training biogas technicians, especially from the local community, would increase the adoption of the technology. However, meeting the digester water demand with the water collected from the walking distances of 15–20 min can be challenging. Community-based biogas digesters or biogas involving income generation with a water supply around the digester would be a better and more sustainable option for biogas energy adoption and use.

Farmer’s needs, ideas and interests on the adoption of fossil energy free technologies and strategies in the EU

ABSTRACT This study investigates farmer’s needs, ideas and interests on the adoption of Fossil Energy Free Technologies and Strategies (FEFTS). 470 direct farmer surveys and 41 expert interviews were conducted in 8 EU countries to identify the barriers and drivers to the adoption of FEFTS, results were analysed using SPSS. The findings suggest that the adoption of FEFTS is driven primarily by economic factors, with cost reduction emerging as a dominant motivation for adopting renewable energy sources (RES) and energy-saving technologies/practices. Environmental concerns also play a significant role. Farmers indicate that financial support and access to tailored cost benefit models for their farms are important drivers to becoming FEFTS adopters. Based on these results we argue that enhanced financial support as planned in the Common Agricultural Policy 2023–2027 together with national advisory services that support innovation and knowledge transfer are necessary to drive the adoption of FEFTS in the agriculture sector.

Pulmonary Rehabilitation Reimbursement Challenges.

Pulmonary rehabilitation (PR) is a highly effective intervention for persons with chronic respiratory diseases, resulting in improvement in exercise capacity, dyspnea, health-related quality of life, mood, reduced hospitalization, and improved survival and cost savings post-COPD hospitalization. Despite demonstrated effectiveness, PR is underutilized in part due to lack of awareness, limited access, and inadequate PR reimbursement. Poor payment is a long-standing barrier to PR's financial stability and access. Addressing PR payment, access, and utilization is a complex challenge and requires strategic, collaborative long-term approaches to meaningful solutions. Strategies to overcome payment disparities begin with legislative approaches to address limitations of Centers for Medicare and Medicaid Services coverage. Additional priorities include permanent approval for remote physician and advanced practice provider (APP) PR supervision, PR referrals by APPs, telerehabilitation using two-way audio/video technology, and elimination of the PR lifetime maximum limit of 72 h or units/patient. Methods are needed to effectively link appropriate PR prescribing and encouragement with primary care providers, hospitalists, case managers, and hospital navigators to optimize PR referrals. There is an important need to address inadequate PR access in rural settings. Potential opportunities to improve PR referrals and access include exploration of PR synergies with value-based care models that emphasize high-quality care and cost savings. Development and use of effective PR provider tools and resources may help address the above challenges as well as financially benefit PR programs.

The mediating role of locus of control: Financial knowledge and financial attitude on financial management behavior

Purpose-Currently, individual behavior in managing finances, especially in the younger generation, needs attention. The ease of financial access can provide both positive and negative aspects. This study aimed to ascertain how financial knowledge and attitudes through locus of control can influence financial management behavior. Design/Methodology/Approach-Modeling structural equations using Smart PLS 4.0 are the data processing techniques used in this study. This study examines the impact of the indicators of each of these variables on the objects of students of the Faculty of Economics and Business in Yogyakarta, Indonesia. By distributing questionnaires, the researchers were able to collect data from up to 98 respondents. Findings-The study's findings suggest that although financial attitudes have a direct impact on financial behavior management, financial knowledge has no direct impact on financial behavior management behavior. Financial attitudes and knowledge have been demonstrated to directly affect locus of control. It has also been demonstrated that locus of control directly affects money management behavior. Furthermore, it has been demonstrated that locus of control mediates the relationship between financial knowledge and financial management behavior, but not the relationship between financial attitudes and financial management conduct. Research limitations/implications-The findings of this research are expected to be a reference and basis for knowledge, especially for the younger generation, who are expected to understand that to foster good financial management behavior, there are many things that must be considered. This study shows that financial knowledge, financial attitudes, and locus of control are elements that can influence financial management behavior. Originality/value-There is still very little research on financial management behavior in the younger generation, especially among students of the Faculty of Economics and Business in Yogyakarta, Indonesia. This study revealed factors that allegedly had an impact on the financial management behavior of students of the Faculty of Economics and Business in Yogyakarta, Indonesia.

Assessment of Primary Laboratory Facilities for Rural Health Care Preparedness in Osmanabad District, India

Government of India has provided Indian Public Health Standards to improve rural health care services and health status, but still rural laboratory is a cause of concern. This study is performed to understand the laboratory facility-level gaps that need to be addressed to improve the public primary health centres (PHCs) present in rural areas. The laboratory assessment is performed for governance, financing, resources and services, and results are validated with the PHC laboratory performance. The current assessment shows critical gaps in the facilities regarding governance, services, resources and financing required for the laboratory services at the rural primary health care level. Governance and services need to be strengthened the most, followed with sustained availability of resources and financing. Poor health status in rural areas necessitates public health response based on health systems. Therefore, health system preparedness in the form of laboratory services is essential in primary health care facilities.

Factors Associated with the Financial Accessibility of Medicines in Public Health Structures in Conakry, Guinea

The aim of this study is to analyze the factors associated with financial accessibility to medicines in public health structures in Matoto, Guinea, 2022. This was a cross-sectional study, lasting six months. It concerned patients admitted for consultation in one of the public health structures in Matoto, who had received a medical prescription and who presented themselves at the point of sale of the structure where they were consulted. We performed a chi2, Fischer Exact test to compare the proportions with each other. Bivariate logistic regression analysis was performed. A total of 573 patients, predominantly female 63% and single 52%, voluntarily participated in this study. We found that 30% of patients carried out a liberal activity compared to 5.93% who were civil servants. 3.14% of the subjects surveyed came from outside Conakry. We estimated the frequency of financial inaccessibility to medicines at 56.54%. This study revealed that financial accessibility to medicines in public health structures in Matoto (Guinea) is a challenge for 56.54% of patients. The associated factors are: Gender, socio-professional status, origin and age.

Signature Recognition and Verification Using Machine Learning

This project focuses on the development and implementation of a robust signature recognition and verification system leveraging machine learning techniques. Handwritten signatures serve as essential personal identifiers in numerous applications, such as financial transactions, legal documents, and access control. Traditional methods of signature verification often lack efficiency and accuracy, prompting the need for automated and intelligent systems. The proposed project aims to address this challenge by employing state-of-the-art machine learning algorithms for signature analysis. The project involves the creation of a comprehensive dataset consisting of diverse signature samples. Through the utilization of image processing and deep learning techniques, the system will extract relevant features such as stroke dynamics, pressure, and spatial characteristics from the signatures. The core of the project lies in training a machine learning model on the dataset, enabling it to learn the distinctive patterns inherent in individual signatures. During the verification phase, the developed system will assess the input signature's similarity against the stored templates, providing a confidence score to indicate the level of authenticity. The outcome of this project will be a reliable and efficient signature recognition and verification system that can be applied in real-world scenarios, enhancing security and reducing the risk of fraudulent activities. The project not only contributes to the advancement of biometric authentication systems but also provides valuable insights into the integration of machine learning in document security applications.

The Impact of Fintech and Financial Literacy on MSME Development through Access to Finance

Micro, Small and Medium Enterprises (MSMEs) are the backbone and driving force of economic growth, the development of Technology is a new opportunity in the development of financial technology, but to be able to achieve the full benefits of Fintech, financial literacy to achieve financial access is a critical aspect that cannot be ignored. Researchers reviewed articles related to economics, accounting, management and finance indexed by Scopus and Sinta. Researchers realize that it is very important to analyze and reflect to develop research on Fintech and Financial Literacy on MSME Development. This research uses a literature study or literature review method. Based on the results of the study, it shows that the existence of fintech and financial literacy through financial access can affect the development of MSMEs

Opportunities and Challenges of Digital Transformation for Creative Economy Development: Study Literature Review

Digital transformation has become a global trend that affects all aspects of human life. In Indonesia, digital transformation can accelerate economic growth, especially in the creative economy sector. One of them is efficiency in the use of technology, investment in digital infrastructure and increasing financial access. The aim of this research is to analyze the opportunities and challenges related to the policy of accelerating digital transformation in the development of the creative economy in Indonesia. The research found that there are various opportunities that can be exploited in developing the creative economy in Indonesia through accelerated digital transformation policies, challenges that must be overcome, such as low technological accessibility and inadequate infrastructure. Research shows that accelerated digital transformation policies can be a driver of creative economic growth in Indonesia which must be adapted to local conditions and accompanied by efforts to increase technological accessibility and adequate infrastructure. This article was prepared based on the results of a literature study to answer the main research questions about transformation. digital and how to implement strategies in various business and government sectors

The role of artificial intelligence and fintech in promoting eco-friendly investments and non-greenwashing practices in the US market

This study explores the intricate connections among financial technology (FinTech), artificial intelligence (AI), and eco-friendly markets in the US, shedding light on their dynamic interplay and implications for sustainable investment and policy strategies. Specifically, our research delves into the transformative roles of FinTech and AI in broadening financial access, fostering green financing initiatives, and aligning financial practices with environmentally conscious objectives. We also investigate market reactions among the AI, FinTech, non-greenwashing, and eco-friendly markets during exogenous shocks, offering valuable insights into these markets' interconnectedness. An innovative connectedness approach, the R2 decomposed measures, is employed to capture the contemporaneous and lagged spillover effects using daily data from December 19, 2017, to November 1, 2023. We also focus on constructing a minimum connectedness portfolio using the time-varying parameter vector autoregressive approach. The findings reveal significant volatility connectivity within these intergroups, emphasizing the need for sustainable tech finance policies and real-time monitoring systems to address market fluctuations. Overall, this study contributes to an underexplored area by providing empirical evidence and valuable implications for scholars and policymakers, and can help in guiding sustainable investment and policy strategies aligned with zero-emissions agendas.

Determinants Of Islamic Bank Financing During Economic Turbulence

The Covid-19 outbreak has caused turbulence in Indonesia's economic growth, thereby disrupting the performance of Islamic banks, especially in the distribution of financing. This research examines the influence of economic turbulence, third-party deposits, bank size, capital and profitability on financing disbursed by Islamic banks in Indonesia. The population of this research is Islamic commercial banks in Indonesia in the 2017-2022 period. The sample selection used a purposive sampling method and obtained ten Islamic banks. The data analysis technique uses panel data analysis with a fixed effect model. The research results prove that third-party deposits positively and significantly impact financing, while bank size and capital negatively and significantly impact financing. However, economic turbulence and profitability do not affect financing. When financing is divided based on contracts, economic turbulence negatively impacts profit-sharing-based financing, and profitability negatively impacts receivables-based financing. These findings can be a reference for Islamic banks to maintain the availability of third-party deposit funds to support financing expansion and further optimize their capital by channelling it to more productive assets in the form of financing. These findings can complement existing theories and support the business cycle theory that Islamic banks tighten financing based on profit sharing, which carries higher risks.

Critical factors to sustaileanant innovations for net-zero achievement in the manufacturing supply chains

The importance of reducing carbon emissions to safeguard the environment for generations is widely recognized worldwide. Countries are putting in efforts to lower their carbon footprint, aiming towards achieving carbon neutrality also termed as net zero emissions. This research seeks insights from manufacturing experts on how sustaileanant (sustainable + lean) innovations can support the journey towards net zero in manufacturing supply chains, making them more environmentally friendly. We initially determined the critical success factors (CSFs) of sustaileanant innovations that can help achieve net-zero emissions in manufacturing supply chains and validated through manufacturing experts using a validatory survey. Further, employing a robust two-step approach involving strong ordering data envelopment analysis (SODEA) and machine learning (ML) based Bayesian network (BN), we aimed to understand the significant CSFs driving this transition from traditional carbon-heavy manufacturing practices to a net zero objective. Our study involved gathering input from 125 professionals in the manufacturing sector for employing SODEA-BN methodologies. The findings highlight that incentive schemes for organizations, availability of professional expertise, and availability of funds for implementing sustaileanant practices are crucial for organizations to transform and achieve carbon neutrality. In this study, the recommendations provided in line with sustainable development goals (SDGs) will guide practitioners and academicians in understanding the critical sustaileanant factors for a successful net-zero achievement.

Are farm input subsidies a disincentive for integrated pest management adoption? Evidence from Zambia

AbstractInput subsidy programmes (ISPs) remain a popular but contentious policy tool to promote agricultural intensification, food security and poverty reduction across Africa. Although previous studies have explored the impact of ISPs on various smallholder outcomes, no studies have analysed the impact of recent ISPs on pest management. This is particularly important given the increasing pest challenges due to climate change and the recent surge in pesticide use in low‐income countries and its associated negative consequences for human and environmental health. Thus, this study assessed the effects of ISPs on smallholder adoption of sustainable pest management practices, using data from 1048 smallholder maize plots across major maize‐producing zones of Zambia and a control function regression approach. We find consistent evidence that input subsidy receipt is negatively associated with smallholders' adoption of environmentally friendly and sustainable pest management strategies. Participation in the Zambia ISP (particularly the flexible e‐voucher system) encourages synthetic pesticide use, at the expense of sustainable practices. We also find that farmers consider synthetic pesticides and biopesticides as substitutes and are more likely to adopt sustainable pest management when they have tenure security and access to financial resources. Given the human and environmental health consequences associated with synthetic pesticide use, it would be important to leverage input subsidy schemes to promote the adoption of safer and more sustainable alternatives to synthetic pesticides. Beyond input subsidies, policies that improve tenure security and financial access for smallholders can promote the adoption of sustainable pest management practices.

From a contracted market to an expanding horizon: an analysis of Indonesia’s film production chain and accessibility

ABSTRACT Indonesia’s film industry presents the case of shifting power dynamics in its production chain; throughout its production, distribution, and exhibition sectors. For most of the decades the industry experienced a contracted market, only expanding recently in the 2010s. In order to explain this shifting market and power dynamics, the paper examines the impacts of internal and external pressures during and after the New Order Government (1966–1998). This framework bridges the gap in connecting past structural problems of Indonesia’s film industry with its current situation. The paper also focuses on Indonesia’s film distribution sector, which has withdrawn from its ideal function beyond recognition, but its significance remains intact. The results show that restrictive internal pressures contracted the market, whereas constructive internal pressures laid structural foundations for optimizing external pressures of liberalization and digitalization to expand the market. Meanwhile, film distribution plays an important role in developing the industry by increasing financial and logistical accessibility.

Small-scale airblast testing for the assessment of multiple perimeter wall barriers on shock wave propagation

Assessment of the impact of structural systems on blast wave propagation has traditionally been explored using experimental, analytical, and/or numerical methods. Though numerical modeling techniques have grown in popularity because of their lower cost and high accuracy, experimental testing remains necessary for verifying these models. Issues of scale, equipment capacity, and the availability of research funding continue to limit full-scale testing of subassemblies or complete structures under blast loads. In addition, full-scale blast testing can be time-consuming, allowing only a handful of tests to be conducted. Small-scale airblast experiments offer an economic alternative to full-scale testing, in terms of material and labor requirements. Additionally, these small-scale experiments can be performed rapidly with repeatable results. The use of a novel reusable tabletop small-scale airblast experiment framework is presented for repeatable, cost-effective, quick turnaround testing of airblast scenarios. This novel setup also allows for reflective surfaces to be included as part of the investigation of the behavior of the shockwave-interaction with structures. The goal is to understand the behavior of the blast shockwave interacting with multiple barriers and the effect of pressure due to those barriers; therefore, the scaled structure remains rigid in the experimental and numerical analysis. Three different wall configurations were used to investigate how the presence of multiple barriers affects the shockwave and subsequent observed pressures around and behind the barriers. The explosives used were hemispherical and elevated spherical C4 charges. Pressure gauges were used to read pressures in front of, between, and behind the barriers on the tabletop. The airblast effects such as pressure and impulse, from the scaled experiments are presented and compared to the analytical predictions using a hydrocode model. It was found that multiple walls are measurably effective in reducing the pressure shockwave compared to no walls. The use of single and double walls reduced the pressure by 50% and 25%, respectively, compared to having no walls at the same scaled distance. The hydrocode model results were generally in agreement with the experimental data. The results can allow engineers and decision makers to understand the impact that properly distanced multiple barriers can have on protection from blast events.

Thermo-economic feasibility study to utilize ORC technology for waste heat recovery from Indian nuclear power plants

A feasibility study is essential before installing a power generation system to recover waste heat from nuclear power plants, but not yet been done. Hence, nine possible waste heat locations of Indian nuclear power plants are identified and two feasible cases (case-1 and case-2) are deduced to use the organic Rankine cycle (ORC) as a bottoming cycle. Energy, exergy, economic and environmental performances are evaluated for feasible cases with three working fluids. Capital investment in alternator has been correlated based on market data and applied in economic analysis. The economic study is based on Net present value, Discounted payback period, Levelized cost of energy, Internal rate of return, Profit and per unit build-up cost of ORC to suggest whether the installation is worth to venture or not. The result shows that below 41 °C condenser temperature, case-2 based bottoming ORC should be the priority to install and at the availability of sufficient funds, both cases can be installed, which will cumulatively produce 486.2 kW of electricity from waste energy with a total of 201.14 thousand USD annual profit from the total capital investment of 723.74 thousand USD. In 40 years of the project's lifetime, a total of 1.317 million USD will be used if both cases are employed and the invested cost will be returned in 8.3 years.

What Factors Are Limiting Financial Inclusion and Development in Peru? Empirical Evidence

Despite recent efforts in Peru to boost financial inclusion, significant issues of exclusion persist, especially among vulnerable groups. This article aims to identify and analyze areas at risk of financial exclusion using a multifaceted methodology: the Financial Access Survey (FAS) for comparative analysis (Peru versus other countries and regions), geographical-distribution analysis, and the Access to Cash Index (ACI) methodology. Findings reveal that remote rural areas of Peru, particularly those inland, as well as mountainous or jungle regions, face higher risks of financial exclusion due to low digital literacy, limited digital banking usage, sparse branch and ATM networks, and inadequate transportation infrastructure. These insights can inform targeted public policies to enhance financial inclusion in Peru, as well as the development.

Women’s participation, challenges and problems encountered in major fish markets during the COVID-19 pandemic in Davao, Philippines

Women fish vendors actively participate in the fishery sector but they face various challenges regarding their financial capital and opportunities. There is a power imbalance within the market as men seem to dominate and women hold no power or voice to protect their rights. This study provides valuable insights regarding the perceptions and experiences of these women in the Davao region, by not only focusing on the role of women in fisheries and major fish markets in Mindanao, Philippines, but also on their contribution and the challenges they meet. We have conducted semi-structured field interviews with women fish vendors (n = 99) and in-depth follow-up interviews to validate the results (n = 80). Among respondents, 90% in Tagum, 80% in Panabo, and 75% in Davao City were vendors who did not own their stalls. Despite women’s active involvement in fish trading activities such as fish vending, fish brokering, and financing in the market, many of them do not have stalls on their own. It was found that women participate in the fish marketing sector because they received previous training from family members involved in the business (29%), or they wanted a well-paying job (19%), or it was their only economic opportunity (14%). Another reason was profitability (9%) to support their families (9%) and children (8%). Common problems encountered by women in the fish market included a decline in customers (40%), work exhaustion due to the combination of their market and domestic duties (14%), and rude customers and employers (10%). In addition, women also reported challenges regarding mobile vendors (9%), low fish prices (8%), and not having access to financial credit (8%). Many of the women support their husbands by providing additional income for their families. Overall, women fish vendors play a critical role in the local economy of their villages and families. This implies that greater support is needed for women to have financial access to fishing businesses and become beneficiaries of training and livelihood development programs while helping their families overcome food insecurity and poverty.

Evaluation of the Pencak Silat Development Program for the Faithful Heart Terate Brotherhood, Kupang City Branch, East Nusa Tenggara Province

This research aims to obtain a comprehensive picture of the implementation process of the Pencak Silat sports development program at the Pencak Silat College Persaudaraan Setia Hati Terate (PSHT). This research is an evaluation of the Kupang city PSHT pencak silat achievement development program using qualitative research methods, with the approach model used being the Stak countance model. Data collection techniques use observation, interviews, and documentation. Data analysis was carried out by collecting data, reducing data, presenting data, and drawing conclusions. The results of this research are: 1). Organizational management has good input, solid coordination, appropriate results, and all the results from meetings. 2). The training program for the Kupang City PSHT pencak silat sport is very effective and efficient in accordance with the specified schedule. 3). There are adequate human resources (HR) even though there is not much education in the city of Kupang, but that is not a benchmark for becoming a PSHT member. 4). The infrastructure at the branch is available, and that is also good because it is in line with the motto of the branch that was created, namely rise and achieve, so there must be superior seeds with the existing infrastructure. 5). Funding: the availability of funds for coaching athletes in branches is adequate; the use of funds is in accordance with needs and is transparent; and the results of funding for coaching are very good in branches. Keywords: Program Evaluation, Coaching, Pencak Silat.