The garbage problem in Pasuruan district has been in the emergency. This condition is caused because of garbage governance in Pasuruan Regency still use conventional method 3P (collection, transport and disposal) so that it can not reduce the amount of garbage dumped to TPA considering there is no process Waste processing done. Seeing the question of the Pasuruan district government made a waste handling policy through the SDSB Program (one village waste Bank). The Government's policy was responded well by the housewives at Taman Permata Indah Village of Pagak district of Beji District in Pasuruan Regency by forming the waste bank community TPI BISA. The establishment of waste bank TPI BISA this part of the response to the government policy while seeing the problem of many unhandled garbage that affects health and hygiene of the environment as a result of the increasing Population in the area. Household waste deposits generated within 1 month less than 6 quintals and every tendency month is increasing. Waste bank TPI BISA one of the waste bank that is sufficient to exist and has succeeded in managing the environment through the management of both organic and inorganic waste. In addition, the community also conducts garbage processing in the form of interesting and unique handcraft. But on the other hand, from the success also still leave a serious problem that the management system of waste bank TPI BISA be done by manual model so that there is often an error in recording the deposit amount Garbage whose edges often make a conflict in internal management of trash banks with members or customers of trash banks. Therefore, modernization of IT-based administrative management becomes a real need needed by waste bank TPI BISA, So that waste bank TPI BISA be worthy of an example of trash bank with IT-based management of mobile that can be developed thoroughly in Pasuruan Regency.
This study aims to examine the factors that determine interest rate spread (IRS) of commercial banks listed on Muscat security market over the period 2008-2014. They are classified into four groups of financial, economic, market and legal indicators. The Spearman correlation matrix results show that all economic indicator variables have significant relationship with interest rate spread except GDP variable. No significant relationship exists between financial indicator variables and interest rate spread, but in legal indicator variables there is significant relationship with interest rate spread only in two variables the size of government and regulation. Finally, there is a significant relationship between market indicator based on market concentration measured by Herfindahl-Hirschman Index and interest rate spread. OLS regression analysis indicates a statistically significant impact on IRS by factors like return to asset ratio, liquidity risk and risk aversion within the financial group and unemployment rate, debt services ratio and principal repayment from the economic group and Herfindahl-Hirschman Index based on market concentration group. Finally, there is a significant impact of sound money and regulation within the legal group on IRS. The researchers recommend an adaptation in the monetary policy to exploit the high level of liquidity in the banking sector by facilitating easy access to debt to individuals as well as firms thus providing the margin competitive interest rate.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.