The pattern of public consumption is determined by the level of income and its social environment. Consumption patterns are also associated with the number of family members, the fewer members of the family, the fewer the needs that must be met. However, in some Muslim households, there is a...

Income is the response from what we do such as salary, rent interest, commission, expanse, and profit. The ring craftsman gets income from making a ring, and that income will use to consuming thing or merits that they need. The high income can increase consumption ability and make the...

This study assesses the impact and effectiveness of the National Information and Communications Technology Policy (NIP) in Bangladesh, which is a key legal framework for 'Vision 2021' and 'Digital Bangladesh'. It investigates the extent to which digital inclusion can be achieved by the NIP...

A growing body of evidence is documenting the impact of financial inclusion and digital finance on marginalised populations. However, mainstream scholarship has not focused on understanding the potential drivers and challenges of digital approaches to financial inclusion. This study aims to...

This article describes the duties, functions and authorities of the Financial Services Authority (OJK) in providing supervision and regulation of the development of types of businesses in the financial services sector in Indonesia, one of which is regulating Financial Technology (Fintech). The...