Average Salary Research Articles

Does the cross-border e-commerce comprehensive pilot area policy help to improve the level of urban technological innovation?

This study assesses the policy effects on the level of urban technological innovation (LUTI) in three pilot cities (Hefei, Zhengzhou, and Shenyang) that have implemented the cross-border e-commerce comprehensive pilot area (CECPA) policy. First, based on urban panel data from 2006 to 2021, we use the entropy-TOPSIS model to measure LUTI. Further, this study applies the synthetic control method (SCM) to evaluate the effect of policy treatment on three cities. Additionally, this study analyzes two mechanism variables-urbanization rate and average salary level of urban employees-to assess the internal mechanisms affecting LUTI. Lastly, we provide the corresponding countermeasure enlightenment. Empirical evidence suggests that the CECPA policy significantly improves the LUTI in cities. From 2016 to 2021, the LUTI in Hefei rose from 0.4508 to 0.8135, and in Zhengzhou from 0.5316 to 0.7296. Shenyang's LUTI increased from 0.7427 to 0.8307 from 2018 to 2021. Overall, the policy has had a positive effect on the development of technological innovation in cities. In particular, the CECPA policy has a positive impact on the LUTI by increasing the urbanization rate and increasing the average salary level of employees. These results provide a good example of cities implementing CECPA policy and carrying out technological innovation reforms.

Gastric cancer in Spain: evaluating productivity loss and economic impact

Introduction In 2018, gastric cancer (GC) was estimated to account for over 1.03 million new cases globally, making it one of the most frequently diagnosed malignancies. In Spain, about 6,913 new cases were diagnosed in 2022. GC is an aggressive cancer originating in the stomach and ranks fifth in cancer incidence and third in cancer-related deaths worldwide. Despite treatment, only 25% of patients survive more than 5 years after diagnosis. Methods To estimate the economic impact of premature mortality due to GC, the human capital method was employed. This approach involved collecting data on mortality rates, average salaries, and unemployment rates. The study spanned a 10-year period, from 2013 to 2022, to integrate the latest and most pertinent data for analysis. The goal was to quantify the economic consequences GC-related deaths, providing valuable information for policy makers and healthcare professionals. Results GC caused 51,814 deaths over the study period with a slight annual decline, predominantly affecting men. Approximately 23% of deaths occurred among people of working age, amounting to a total of 122,632 YPLL. In economic terms, GC deaths accounted for costs of €1,239.34 million in 2013, rising to €1,242.04 million by 2021, for a total of €11,469.07 million over the study period. Conclusions The incidence of gastrointestinal cancers has decline in some types, but they remain a substantial public health challenge. These findings underline the significant health and economic challenges posed by GC, highlighting the need for targeted interventions to mitigate its impact on both individuals and healthcare systems.

An Economic Model for Rapid On-Site Evaluation (ROSE) Telecytology to Improve Remote Access and Pathology Practice

Abstract Introduction/Objective Rapid On-Site Evaluation (ROSE) is an integral part of the fine needle aspiration (FNA) procedure to inform on the diagnostic adequacy of the passes already taken. However, traditional ROSE is not accessible in rural areas and takes valuable cytopathologist time to travel to attend the procedure on site. Telecytology has the promise to allow remote access with equivalent accuracy, though an economic benefit model based on the literature is sparse. Methods/Case Report Mean traditional ROSE times for cytopathologists and mean telecytology ROSE times from two institutions each from the literature were reviewed. The savings by telecytology ROSE was then modeled using the 2019 Medscape Physician Compensation Report (MPCR). Literature review of the nondiagnostic rate both with and without ROSE and costs reported from the University of Pennsylvania were used to model savings from increased accessibility of ROSE to remote settings by telecytology. Results (if a Case Study enter NA) Telecytopathologist traditional ROSE time (20.95 minutes and 56.2 minutes) and telecytology ROSE time (2.91 minutes and 7.5 minutes) was noted. The average pathologist salary per the 2019 MPCR was $120 per hour. The preceding corresponds to monetary savings of $26.90 to $106.58 per case. At one of the reviewed institutions, this would correspond to $23,672 to $93,790.40 in yearly savings. An average reported non- diagnostic rate of 20% (without ROSE with cost of $3,096 per FNA procedure) versus 0.98% (with ROSE with cost of $3327 per procedure) was noted, which if each non-diagnostic FNA results in a repeat procedure, leads to $32,186 in savings per 100 patients. Conclusion Telecytology has promise in not only improving economic efficiency of the ROSE procedure over traditional ROSE, but also in cost savings in remote settings that would otherwise not have access to ROSE at all. Therefore, there are economic savings that could be realized by improving access to telecytology across settings.

Professional satisfaction of practitioners in psychiatry departments

The study was conducted to determine the indicators of job satisfaction of doctors working in psychiatry departments, to analyse the professional satisfaction of Polish, European and world psychiatrists and to identify ways to improve it. The study identified factors that influence the professional satisfaction of psychiatrists, compared it among psychiatrists in Poland, Europe, and the world, and developed a number of methods to improve this indicator. The results of the study showed that the level of professional satisfaction of psychiatric doctors is influenced by the following factors: salary level, working conditions, team relations, resource support of the work process, stress level, level of emotional burnout, sense of recognition and importance of their own work, work-life balance, and the degree of stigmatization of mental disorders in society. In terms of the number of practising psychiatrists in the country, the availability of psychiatric services and the level of the average annual salary of psychiatrists in Poland, Europe, and the world, the highest rates of professional satisfaction are recorded in the Scandinavian countries and Austria. Poland and Eastern European countries have lower scores, but the gradual increase in funding for psychiatry in Poland is leading to a positive upward trend. Ways in which this increase can be achieved include: increasing the staff of psychiatric units and optimizing administrative work to reduce workload, using cooperation and mentoring programmes to achieve a comfortable team environment, encouraging specialists to participate in training and mentoring programmes to enhance their professional development.

The Digital Edge: Skills That Matter in the European Labour Market after COVID-19

Following the COVID-19 pandemic crisis, the emphasis on digitization and robotization has grown at an unprecedented rate in the global economy, resulting in significant changes to the labour market composition and increasing the value of digital skills. The aim of this article is to emphasize the ways in which people’s digital abilities and appetite for online activities are connected to job productivity (salary levels) and to determine which individual internet-based digital skills are genuinely important and correlated with better wages. We employed a Principal Component Analysis (PCA-type factorial analysis) with orthogonal rotation to gain a general understanding of the main components that synthesize the digital capabilities of individuals from the European countries analyzed. We decreased the dimensionality of our initial dataset to two major components, namely comprehensive online skills and digital social and media skills, keeping more than 80% of the overall variability. We then evaluated the potential association between the two created components and the average hourly wages and salaries. Since the end of the COVID-19 pandemic, we have observed an important shift in the impact of digital and internet skills on the job market in Europe. Thus, the development of comprehensive internet skills is highly correlated with individuals’ more effective integration into the labour market in Europe in general and the EU in particular, evidenced by better wage and salary levels (r = 0.740, p < 0.001). On the other hand, we found no correlation between the possibility of obtaining higher salaries for employees and the second component, digital social and media skills. The novelty of our research lies in its specific focus on the unique and immediate impacts of the pandemic, the accelerated adoption of digital skills, the integration of comprehensive individual internet skills, and the use of the most recent data to understand the labour market’s characteristics. This new approach offers fresh insights into how Europe’s workforce could evolve in response to unprecedented challenges, making it distinct from previous studies of labour market skills.

Spatiotemporal evolution and driving factors of the coupling coordination of the population‒land‒water‒industry system in the lower Yellow River

Exploring the interaction and coupling effects within the population‒land‒water‒industry (PLWI) system is conducive to promoting high-quality regional sustainable development. Taking the lower Yellow River during the period from 2000 to 2020 as a research sample, this study used the entropy weight TOPSIS method, the coupling coordination degree (CCD) model and kernel density estimation to synthetically evaluate the CCD of the PLWI system. The GeoDetector model was applied to explore the factors influencing the CCD of the PLWI system considering the nonlinear relationship. The major results can be summarized as follows: (1) From 2000 to 2020, the comprehensive development index (CDI) of the population, land, water and industry subsystems followed a gradual upward trend in the lower Yellow River, increasing by 0.293, 0.033, 0.111 and 0.369, respectively. However, the CDI of the land subsystem varied greatly between regions. Some cities, such as Jinan, Jining and Binzhou, experienced large declines in the CDI of the land subsystem, from 0.433, 0.534 and 0.572 to 0.358, 0.481 and 0.522, respectively. (2) The CCD of the PLWI system in the lower Yellow River showed an upward trend, increasing from 0.481 to 0.678, and became more concentrated during 2000–2020. Most of the region transitioned from near disorder to primary coordination. (3) Factors such as number of health technicians per 10,000 people, average salary, number of college students per 10,000 people, per capita GDP and per capita education expenditure were critical to the coordinated development of the PLWI system, the explanatory powers were 0.644, 0.639, 0.610, 0.498 and 0.455, respectively. Finally, this study proposed three policy recommendations to improve coupling coordination in the lower Yellow River Basin: Improving population quality, promoting green technology and rational land planning.

Development of human capital in Kazakhstan’s higher education institutions: financial investments, faculty qualifications, and research output (2018–2022)

This study examines the development of human capital in higher education institutions (HEIs) in Kazakhstan from 2018 to 2022, focusing on financial investments, infrastructure support, faculty qualifications, research output, and student outcomes. Utilizing comprehensive data from official sources, the analysis reveals significant growth in financial commitment to higher education, with substantial increases in expenditures, revenues, and investments in educational infrastructure. The data indicate a diverse and increasingly qualified faculty, though gender imbalances persist at senior academic levels. Research output, as measured by publications indexed in Scopus, has shown consistent growth, reflecting enhanced research productivity. Student performance metrics, including graduation rates and employment outcomes, highlight the effective preparation of graduates for the job market, with rising average salaries and employment rates. Innovation activities within HEIs, such as patent applications and trademark registrations, demonstrate a dynamic but variable landscape. The study identifies key areas for improvement, including the need for sustained investment, policies promoting gender equality in academia, and support for innovation activities. The findings underscore the importance of aligning educational programs with market needs to further improve graduate employability. This study provides valuable insights for policymakers and educational leaders to enhance the quality and competitiveness of higher education in Kazakhstan, contributing to the country’s socio-economic development.

Effect of a virtual oncology telemedicine advanced practice provider clinic on patient financial burden and access to care disparities in patients with new benign hematologic cancer.

388 Background: Anemia is a significant part of healthcare burden in the US with 2.8 million visits per year (CDC Stat Facts, 2024). In a large community oncology/hematology practice of 200+ physical clinics/cancer centers throughout Texas, meeting benign hematology patient needs is challenging. Due to ever-increasing specialty physician shortages, patients are experiencing extended appointment access times and increased financial burden related to travel for New Patient appointments. Patients were waiting an average of 15.1 days from referral to initial provider appointment. A statewide quality improvement pilot was created allowing clinic providers the option to refer benign hematology patients to a Virtual APP (VAPP) clinic for the New Patient visit. Methods: This retrospective endeavor collected electronic medical record data over a 90-day pilot period from January-April 2024, to evaluate the time between referral received vs appointment completion. Additionally, the referred patients’ distance from home location to the nearest in-person clinic was calculated. Results: Implementation of a virtual APP New Patient clinic reduced the time from referral to first appointment from 15.1 days to 9 days for a 40% reduction in time to appointment. Within the pilot, 129 patients on average, would have traveled approximately 44 miles round trip to and from their home residence to the closest in person clinic. This resulted in a minimum mileage cost savings of $9.68 per patient, $1,248 cumulative. Additionally, these same 129 patients saved approximately 3.5 hours of work time by not taking time off for commute resulting in a 96.39 per patient, $12,434.31 cumulative, earned incoming savings based on average Texas salary. Conclusions: The VAPP clinic reduced patient access disparity for Benign Hematology appointments by over 40%. Utilization of a telemedicine-based platform, at a minimum, reduced the patients’ financial toxicity burden and impact by 106.06 per patient or 13,682.31 overall during the 90-day pilot period. Providing a virtual visit option for patients, allows quicker access to quality care, lessens time toxicity, and reduces financial burden associated with medical care in 2024.

Impact of Inflation on Purchasing Decisions of Residents of Selected Polish Voivodeships

The purpose of the article. The study aimed to assess the impact of an inflation level on purchasing decisions of consumers in selected voivodeships (mazowieckie, lubelskie, podkarpackie, małopolskie). The following hypotheses were adopted: H1: Poles' purchasing decisions in a period of rising inflation depend on the voivodeship in which they live. H1a: Residents of voivodeships with a lower average gross salary (podkarpackie and lubelskie) pay more attention to product features, discounts and places where they shop than residents of voivodeships with a high average gross salary (mazowieckie and małopolskie). H2: Poles' purchasing decisions in a period of rising inflation depend on gender. H2a: Women pay more attention to product features, discounts and places where they shop than men. Methodology. The study employed the diagnostic survey method using an online survey. The voivodeships selected for the study were categorized based on the indicators of an average monthly gross salary in relation to the national average. For mazowieckie and małopolskie voivodeships these values were above 100%, while for podkarpackie and lubelskie voivodeships they ranged from 84–88%. In addition, statistical analyzes were performed to observe relationships such as gender and voivodeship: the chi-square test with an in-depth analysis of standardized categorized residuals, Cramer's V coefficient and Spearman's rank correlation coefficient. Results of the research. The article showed that the relationship between inflation and purchasing behavior of Polish people is an important topic that helps understand how consumers react to rising prices and what strategies they choose when shopping during inflation. Relationship between consumer behavior and the voivodeship was confirmed only in two cases related to shopping habits. This leads to the rejection of H1 and H1a hypotheses. The amount of the average monthly gross salary in relation to the national average (podkarpackie, lubelskie) is not a factor that makes Polish people more inclined to pay attention to product features, discounts and places of purchase, compared to residents of voivodeships with a higher average monthly gross salary (mazowieckie and małopolskie). H2 and H2a hypotheses were confirmed with greater accuracy. It has been noticed that purchasing decisions of Polish people depend on gender, and women pay attention to product features such as a price, promotions, and places where they shop more often than men.

Predicting costs of local public bus transport services through machine learning methods

The present study developed several machine learning-based cost models to predict an efficient total economic cost per vehicle revenue-mile of urban public bus transport. The models were trained on a built-in dataset from 269 transit agencies providing urban services in the United States from 2015 to 2019. A feature selection strategy was implemented, finding that, for each proposed model, a subset of features determined a large impact on unit cost. These “core” features included commercial speed, average salary expenses per employee, vehicle productivity, and fleet ownership cost per vehicle. Machine learning techniques outperformed the linear regression method in terms of predictive power and robustness (understood as the dispersion of predictive power measures over the training sets). Based on SHAP values, the sensitivity analyses showed that the proposed models could be used to predict the impact of changes in some critical features on corresponding unit costs. The results may be useful for: (i) introducing regulatory constraints to the allocation of national public resources to local public bus transport services, aimed at minimizing the resources needed to provide a given level of service; (ii) defining the maximum economic compensation required by firms involved in competitive tendering for the allotment of service concessions, or firms with monopoly rights (by political choice and/or local public ownership); and (iii) improving service contract management and design by identifying key cost drivers of transit services.

Why are workers in the Spanish energy industry more likely to earn higher wages than other Spanish workers?: Wages in the Spanish energy sector

In Spain, 85.5 % of energy industry workers have a salary that is more than the Spanish average salary. We apply a binomial logit model based on the maximum likelihood estimation method to analyze the factors that determine the probability of obtaining these higher wages. The sample used was taken from the Wage Structure Survey (2018) prepared by the Spanish National Institute of Statistics. Firstly, the results show that this sector has a consolidated workforce and that the workers' educational levels are appropriate for their jobs. Secondly, there are no gender-based wage differences in this industry. Finally, working conditions and wages are established through collective bargaining agreements at the company level, which stands in contrast to other types of agreements established in the rest of the Spanish economy.

ПРАВОВАЯ ПОЛИТИКА ГОСУДАРСТВ-ЧЛЕНОВ ЕАЭС В СФЕРЕ РЕАЛИЗАЦИИ ПЕНСИОННЫХ ПРАВ

The article discusses issues of legal policy of the EAEU member states in the field of implementation of pension rights of citizens using the comparative method. Based on the legislative practices of states, the author examines the models of state pension systems and highlights their specifics and common, advantageous features. In the process of the study, the essence and direction of reforms of state pension systems were established, aimed at solving a number of problems in reducing social tensions, with the gradual release of the budget from the burden of pension payments, reducing the unemployment rate, which helps to increase the interest of citizens in pension savings and stimulate the personal responsibility of citizens for pension provision for a decent standard of living when acquiring pension rights. It is noted that one of the fundamental principles and norms of international law in the system of protection of social and labor human rights is the right to pension provision, guaranteed by the constitutions of the EAEU member states and their obligations to fulfill the ILO minimum social standards to provide citizens with at least 40% of the level of pensions in relation to average salary. At the same time, states should direct efforts to implement policies to ensure employment, protection against unemployment and the development of non-state investment institutions in the field of pensions.

Navigating Reversed Valuation Dilemmas: SME Enterprises Nationalized in 1950s Poland - A Case Study

The publication describes a problem that often arises in court cases regarding the valuation of SME forcibly nationalized in the 1950s. Valuation of compensation to previous SME owners is an ongoing court debate in Poland. The authors proposed an approach that took into account the economic conditions at that time and complied with the principle of paying compensation for the actual losses incurred, and not for the potential losses that could be incurred as a result. At the same time, the publication analysed other similar judgments in cases regarding compensation for nationalized enterprises. The practical and scientific value of the publication lies in the fact that it addresses an existing practical problem and its solution. Research Design & Methods: the paper presents a conceptual proposal of the SME valuation method in unique circumstances, complemented by a detailed case study illustrating the application of this valuation approach. Findings: When calculating the compensation for nationalization or other forms of expropriation courts use various methods of valuing net assets (fair market value, book value, recreation value) plus separately determine the value of intangibles, such as licenses, based on the discounted average profits from such assets for a reasonable period of time. If indexation was employed (for historical cost valuation), it used either average interest rates in the economy, the cost of capital of a company, or the cost of lost opportunities for a particular company. Using discounted cash flow valuation for the entire business was uncommon and even if it was included in the bilateral investment treaties (which were meant to protect investors from expropriation) it was considered by the tribunals as speculative and unreliable. Our approach proposes net asset value approach with the use of inflation or average salaries for indexation (to calculate current values of assets) and a combined approach of historical values if they were known at the moment of nationalization and modern estimates of values of remaining assets (that belonged to the company but their value was not provided in the original documentation). Implications & Recommendations: The analysis of historical compensation decisions and bilateral investment treaties suggests that the most popular approach to valuing a loss from expropriation is the fair market value approach and net assets approach with a separate valuation of significant intangible assets provided that they gave certainty of profits for the investor. Contribution & Value Added: The practical and scientific value of the publication lies in the fact that it presents an existing practical problem of court calculation of compensations to owners of forcibly nationalized SMEs in Poland and its solution together with methodological framework that can be used in the future

Evaluation of the impact of the educational revolution in Peru and the gender wage gap, 2017-2021

Background Women’s educational attainment and their generation of value through education has increased the prospects for achieving economic equality between men and women. However, women continue to earn lower wages than men, reflecting growing inequality in several countries. Therefore, the objective of the study is to estimate the impact of education on the gender wage gap in Peru over the period 2017-2021. Methods Quantitative, explanatory study aimed at identifying the impact of education on the gender wage gap in Peru during the period 2017-2021. The research design is non-experimental and uses a time series that analyses the influence of the latent variable of education on the gender wage gap. This is a continuous variable to estimate the Tobit model. Results The results show that the gender gap in Peru exhibited a decreasing trend between men and women during the period 2017-2020, with an average reduction of 10% until 2020 due to the health crisis. The highest average salary was achieved by men in 2019, reaching S/2289.97 soles, while women reached an average salary of S/1368.85 soles. In the post-pandemic scenario for 2021, the gender gap increased by 3%, with men earning an average salary of S/1999.63 soles and women earning an average salary of S/1281.16 soles. The analysis from 2017-2021 shows that years of education had a positive impact on the gender wage gap in Peru based on the Tobit model estimation. Conclusions During the analysis period of 2017-2021, years of education had a positive impact on the gender wage gap in Peru, with the greatest impact occurring during the health crisis. The probability of women’s incomes improving with an increase in years of education was 2.35%, while for men, the highest impact was in 2018, with a probability of income improvement of 2.16% in terms of marginal effect.

Применение метода ВИРТУОЗ (Вариативное Игровое Решение Трудных Учебно-Образовательных Задач) при выборе университета для обучения

In the context of the permanent transformation of the higher education system, it is not only game practices that are in demand, but also the widest possible gamification of the educational process itself in higher education. The article discusses the option of organizing the game VIRTUOZ (Variable Game Solution of Difficult Educational Problems) at an open day with applicants and their parents. The VIRTUOZ game is held in order to form an objective opinion among its participants about where to go to study on the basis of a comprehensive comparison of information from open sources on competing departments that are currently training students in a particular field in the corresponding region (regions). Variants of tasks/competitions for team members are given, allowing to compare departments by the share of employed graduates and their average salary; on the structure of academic titles of teachers; indicators of scientific activity; tuition fees. Variants of creative contests for viewers are given. In the future, it is possible to hold other competitions and introduce weights for certain aspects of the department's activities, based on their importance for applicants and their parents, either setting them in advance, or offering to do this directly to team members. Competent gamification of the educational process in Russian higher education, starting with the admission of applicants and ending with the employment of graduates, is designed to help in the development of domestic higher education today and in the long term.

Current Landscape of Child and Adolescent Psychology Internship Programs and Implications for Workforce Development.

Doctoral psychology internships play a key role in the development of the competencies of the clinical child and adolescent psychologist workforce needed to serve the increasing behavioral and mental health needs of children. This study surveyed 50 internship training directors regarding workforce needs, the structure of experiential internship components, and the organizational infrastructure and funding of internship programs that provide focused care to children and adolescents within medical settings. Findings suggest that internships most commonly occur within academic medical settings and include clinical child psychology, integrated care, pediatric psychology, neuropsychology, and developmental disabilities tracks. On average, sites had 6 interns, 3 tracks, and 4 major rotations per track. Training directors identified program funding to be the greatest barrier to sustaining internship programs. Currently, internships are funded through clinical revenue, grants, and organizational funds covering an average intern salary of $31,020 plus benefits as well as 0.3 FTE of a training director's time to administrate the program. The number of internship tracks within a single program was associated with greater administrative time for the training director. Implications for advocacy at the federal, state, profession, and institutional level to increase funding and decrease barriers to training are discussed.

The study of the range, availability and affordability of vitamin B1 medicines combined with vitamin B6 and/or B12 in the pharmaceutical market of Ukraine

Aim. To conduct a study of the range of combined neurotropic vitamins B in the pharmaceutical market, to analyze their availability and affordability for patients with neurological diseases. Materials and methods. The study was conducted using data from the State Register of Medicines of Ukraine, ATC classification, and information on statistical retail prices from the online service www.tabletki.ua. Such research methods as systematization, generalization, comparative, marketing, content analysis, pharmacoeconomic analysis by the “cost of illness” method were used. Results. The pharmaceutical market of vitamin A11DB group Vitamin B1 in combination with vitamin B6 and/or B12 registered in Ukraine as 43 trade names (TN) of medicines has been analyzed taking into account all dosage forms; among them, 53.5 % are medicines of domestic manufacturers. Among dosage forms, the vast majority are solutions for injection (65.1 %). Only 56 % of the registered medicines are accessible, i.e. available for sale in regional pharmacies, with an equal proportion of domestic and foreign manufacturers. In 63 % of the drugs studied, the price liquidity ratio indicator shows fluctuations from 0.51 to 1.0, which indicates a significant range of drug prices, a relatively low level of competition in the market, and negatively characterizes the availability of these drugs for the population. It has been found that for injectable dosage forms of the drugs studied, the coefficient of adequacy of solvency ranges from 1.41 % to 3.30 %, and for oral medicines – from 0.67 % to 6.20 %, i.e., the cost of purchasing one package of a complex vitamin B medicine does not exceed 6.20 % of the average monthly salary on the example of the Odesa region, which is not included in the List of territories where military operations are (were) conducted or temporarily occupied. A pharmacoeconomic analysis has been conducted using the “cost of illness” method; and the drugs of choice have been selected taking into account the information on their equivalence provided by the manufacturer. According to the results of this analysis, it has been found that the cost of treating polyneuropathy with complex vitamin B medicines produced in Ukraine is 1.4-6 times more affordable than in the case of imported analogues. Conclusions. The results presented indicate the need to introduce additional mechanisms for compensating the cost of vitamin B medicines in order to increase the level of socio-economic affordability of pharmaceutical care provided in pharmacies. In addition, they can be used in the formation of the range of medicines to ensure the availability of medicines of choice, taking into account the most affordable cost of the treatment course.

Role of Business Correspondents (BCs) in Financial Services – Reaching in Unreached Rural Areas – A Case Study in Tamil Nadu

BCs are honest workers working in rural India, elevating the country from the viewpoint of financial services to world-level recognition in terms of financial inclusion by opening bank accounts and collecting deposits, as well as other financial services having networks with commercial banks. As per the Reserve Bank of India’s (RBI) FY22 annual report, the total number of business correspondents in villages has increased from more than 11.9 lakh in 2020 to 18.44 lakh in 2021, reflecting the penetration and scale that banks generate partnering with BCs. Ultimately, the rural people who opened a bank account under PMJDY got the benefit. With this background, the study has attempted to study the role played by the BCs in rural areas and to find the problems faced by the BCs, especially women, while rendering services. This present research is carried out based on a case study method and is descriptive in nature. The study was undertaken purposefully in two districts of Tamil Nadu, Dharmapuri and Dindigul. In Dharmapuri, the Indian Bank Morappur Branch and in Dindigul District, the Canara Bank Gandhigram Branch have been selected for the study. It was concluded that the average salary for the BCs here ranges between Rs. 3000 and Rs. 6000. It should be increased considerably; otherwise, the BCs will try to charge additional money from the account holder for their doorstep services. Adopting the BC model in the cooperative sector leads to faster financial inclusion.

HR-MANAGEMENT DURING THE WAR: PERSONNEL SUPPORT

The relevance of the chosen topic is defined in the article. The essence of the concept of HR-management and personnel management is considered. The main differences in the application of HR-management and personnel management are studied. The scientific approaches to consider the elements of the personnel management system are defined. The values of personnel management are considered. The main components of personnel management in war conditions are studied. The functions of personnel management are defined. Challenges that arise in the personnel management system in connection with the beginning of military operations on the territory of Ukraine are considered. The dynamics of changes in the volume of average monthly salaries of employees and the level of unemployment in Ukraine are studied. According to the results of the review of the considered indicators trends changing, it`s possible to confirm that there is a multidirectional change in the average monthly salaries of employees and the unemployment rate in Ukraine. The importance of providing support to personnel who continues to work despite all the difficulties that arise today and may arise in the future is determined. The experience of remote control of the company`s personnel in the war conditions to ensure work efficiency and safety of employees is studied. A set of measures, aimed at supporting personnel in war conditions, are developed. The results of the conducted research are summarized and the prospects for continuing the research on the chosen topic are avaluated.

FAKTOR-FAKTOR YANG MEMPENGARUHI PRODUKTIVITAS TENAGA KERJA DI SEKTOR INFORMAL MASA PANDEMI COVID-19

The increase in the number of informal workers in Malang City occurred during the 2020 Covid-19 Pandemic. On the other hand, the average wage or salary for informal workers in Malang City experienced a decline when the 2020 Covid-19 Pandemic began. However, the average wage or salary is starting to improve with an increase of 41.05% from 2021 to 2022. The amount of this increase can be indicated to be accompanied by an increase in labor productivity where wages and labor productivity have a very reciprocal relationship. Moreover, productivity is an important element in measuring economic activity. Therefore, the aim of this research is to identify factors that influence labor productivity in the informal sector during the Covid-19 pandemic in Malang City. The data in the research were obtained from Sakernas data for 2021 and 2022. This research used quantitative descriptive methods with cross section data regression. The analysis model used is multiple linear regression analysis. The results of the analysis show that in 2021 training, digital technology, marital status and number of family members will influence the productivity of informal workers. Meanwhile, in 2022 education, training, digital technology, marital status, age and number of family members will influence the productivity of informal workers in Malang City.