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THE ADVANTAGES AND ANALYSIS OF THE LOCATION OF BRANCHLESS BANKING IN URBAN AND RURAL AREAS IN YOGYAKARTA SPECIAL REGION, INDONESIA 印尼日惹特区城乡无网点银行的区位优势及分析
IF 0.7 Q3 GEOGRAPHY Pub Date : 2020-09-22 DOI: 10.37043/JURA.2019.11.1.4
R. Rachmawati, N. M. Farda, R. Rijanta, B. Setiyono
Branchless banking is a banking service based on ICT, one of which is an agent. This service can be found in both urban and rural areas. This research aims at identifying the existence and advantages of agents-based branchless banking. The locations of branchless banking agents was also analyzed to explore the spatial pattern. This research applies a quantitative method. Agents and customers are selected by undergoing a survey. The data are obtained by structurally interviewing agents on the kinds of services they provide and the benefits of services for customers. Meanwhile, an accidental sampling technique is used to select customers. Besides, spatial analysis is applied using kernel density analysis and accessibility analysis. The result of the research shows that the advantages of branchless banking through agent alter the perception of spatial benefits to access banking services. The space for banking services is in the same place for other purposes such as business units and home. In urban areas, the making use of agents is mainly based on the factors of being closely located and easy to access. Meanwhile, in suburban and rural areas, conveniences are of primary consideration to make use of agents. Concerning the geographical field, location plays an essential role in the substantial changes related to the spatial functions of economic services, mainly banking services, which are not always located in downtown areas. On the contrary, it is possible to locate economic services in rural areas, with the help of ICT-based services. The result of the analysis shows that banks do not optimally consider location, range and service area for branchless banking represented by agents.
无网点银行是一种基于信息通信技术的银行业务,其中一个是代理。这项服务在城市和农村地区都可以找到。本研究旨在确定基于代理的无网点银行的存在及其优势。通过对无网点银行网点的区位分析,探讨无网点银行网点的空间格局。本研究采用定量方法。代理商和客户是通过调查来选择的。这些数据是通过结构化地采访代理商,了解他们提供的服务种类和服务对客户的好处来获得的。同时,采用随机抽样技术进行客户选择。此外,利用核密度分析和可达性分析进行空间分析。研究结果表明,无网点银行通过代理的优势改变了银行服务获取的空间效益感知。用于银行服务的空间与用于其他用途(如业务单位和家庭)的空间相同。在城市地区,代理商的使用主要基于地理位置近、交通方便等因素。同时,在郊区和农村地区,使用代理的首要考虑因素是便利。在地理领域,地理位置在与经济服务(主要是银行服务)空间功能相关的实质性变化中起着至关重要的作用,这些服务并不总是位于市中心地区。相反,在基于信息通信技术的服务的帮助下,可以将经济服务定位在农村地区。分析结果表明,以代理商为代表的无网点银行业务,银行没有最优考虑网点的位置、范围和服务区域。
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引用次数: 5
STAKEHOLDERS PARTICIPATION FOR URBAN CLIMATE RESILIENCE: A CASE OF INFORMAL SETTLEMENTS REGULARIZATION IN KHULNA CITY, BANGLADESH 利益相关者参与城市气候适应性研究&以孟加拉国胡尔纳市非正规住区规范化为例
IF 0.7 Q3 GEOGRAPHY Pub Date : 2020-09-10 DOI: 10.37043/JURA.2015.7.1.1
S. K. Sikder, A. Asadzadeh, E. D. Kuusaana, Bishawjit Mallick, T. Koetter
This study focuses on stakeholders’ participation, perceptions and local contextualization in the Informal Settlement (IS) regularization processes in Khulna City. These processes are undertaken to address livelihood challenges of IS dwellers and to operationalize development initiatives in informal regularization projects. Adopting both a qualitative and quantitative approach, the research results show that IS formation in Khulna City started slowly with rural immigration. These immigrants remain vulnerable to climate change although some initiatives were undertaken since the last 20 years to improve their living conditions. The IS dwellers and local leaders initially participated in these settlement-upgrading initiatives due to accompanied incentives but they became adamant after the project period ended. It was also found that the city local government and NGOs do not have any permanent arrangement to sustain the IS regularization processes. The analysis of the interrelationships among the stakeholders revealed that the relevant public agencies are in conflict, and the role of the private sector is less recognized. The initiatives undertaken so far have limited success especially in granting tenure security, and the private landowners or local authorities that trespassed public spaces resort to forceful eviction. Amidst all these, there is the need for the formulation and implementation of climate resilience policies that address stakeholder participations in mitigating climate change consequences and enhance livelihood development.
本研究聚焦于库尔纳市非正式住区(IS)正规化过程中利益相关者的参与、认知和地方情境化。开展这些进程是为了解决IS居民的生计挑战,并在非正规正规化项目中实施发展倡议。采用定性和定量方法的研究结果表明,库尔纳市IS的形成始于农村移民。这些移民仍然容易受到气候变化的影响,尽管过去20年来采取了一些措施来改善他们的生活条件。由于附带的奖励措施,IS居民和当地领导人最初参与了这些定居点升级计划,但在项目结束后,他们变得坚定了。调查还发现,城市地方政府和非政府组织没有任何永久性的安排来维持IS的正规化进程。对利益相关者之间相互关系的分析表明,相关公共机构处于冲突状态,私营部门的作用未得到充分认识。迄今为止所采取的主动行动取得的成功有限,特别是在保障使用权方面,侵入公共空间的私人土地所有者或地方当局诉诸强制驱逐。在所有这些问题中,有必要制定和实施气候适应政策,解决利益攸关方参与缓解气候变化后果和促进生计发展的问题。
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引用次数: 25
MEASURING THE CAPACITY OF LOCAL MUNICIPALITIES TO ADOPT AN URBAN E-GOVERNANCE POLICY USING A SMART SYNTHETIC MODEL 使用智能综合模型衡量当地市政当局采用城市电子政务政策的能力
IF 0.7 Q3 GEOGRAPHY Pub Date : 2020-07-15 DOI: 10.37043/jura.2020.12.2.5
Karim Cheniki, Amel Baziz, H. Bougdah
One of the main problems of urban governance in Algeria is bureaucracy. Based on the experience of other countries, the concept of smart cities is becoming increasingly important, including urban e-governance which is considered as an important corner stone of smart cities. Hence, e-governance is proposed as a new tool to solve urban governance problems. Its main objectives are focused on strengthening credibility and accountability. This paper tried to assess the ability of Algiers bay municipalities to adopt urban e-governance policies and to see strategies to be deployed to solve urban related problems. To achieve this goal, the work presented in this paper describes the development of a Smart Synthetic (SS) model that could serve as a tool for policy makers to assess their policies and to identify ways to solve urban problems. This ‘SS model’ is based on the findings of relevant, locally based case studies from the bay area, to which the model is later applied. In order to achieve this, the authors opted for a Multi-Attribute Value Theory method. The application of the model revealed that of a total of nine municipalities, four are in a position to adopt an urban e-governance policy. However, the remaining ones have not yet been able to adopt such a policy, due to several barriers which are mainly related to the governance policy. The advantage of this model is therefore its flexibility. It could even be adapted to evaluate urban e-governance in other cities.
阿尔及利亚城市治理的主要问题之一是官僚主义。根据其他国家的经验,智慧城市的概念变得越来越重要,其中城市电子政务被认为是智慧城市的重要基石。因此,电子政务作为解决城市治理问题的新工具被提出。其主要目标集中于加强信誉和问责制。本文试图评估阿尔及尔湾市政当局采用城市电子政务政策的能力,并看到为解决城市相关问题而部署的战略。为了实现这一目标,本文介绍的工作描述了智能综合(SS)模型的开发,该模型可以作为政策制定者评估其政策和确定解决城市问题的方法的工具。这个“SS模型”是基于湾区相关的本地案例研究的结果,该模型随后被应用于这些案例。为了实现这一目标,作者选择了多属性值理论方法。该模型的应用表明,在总共9个城市中,有4个城市能够采用城市电子政务政策。然而,由于几个主要与治理策略相关的障碍,其余的公司还不能采用这样的策略。因此,这种模式的优点是它的灵活性。它甚至可以用于评估其他城市的城市电子政务。
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引用次数: 3
QUALITY OF LIVING ASSESSMENT IN RURAL ROMANIA. AN ANALYSIS OF SETTLEMENTS WITH LOW ACCESSIBILITY TO MEDICAL SERVICES 罗马尼亚农村生活质量评估。医疗服务可及性低的居民点分析
IF 0.7 Q3 GEOGRAPHY Pub Date : 2020-07-15 DOI: 10.37043/jura.2020.12.2.3
V. Berbecar, R. Cocheci, Andreea Acasandre, G. Ismail, G. Mircescu
Several factors contribute to the lower quality of living of post-communist countries like Romania, such as housing quality, access to basic infrastructure or services including healthcare, and low income and education levels. To evaluate to what extent the quality of living is related to social and economic factors, including access to medical services, a field questionnaire was applied to 703 respondents from 8 settlements located in the South-East of Romania. Using the Principal Component Analysis, four determinants were selected to compute a Quality of Living Index (QoLI): sewage, room surface per dweller, dwelling accessibility and fuel use for cooking. The QoLI computed for each respondent varied between 29.7 and 94.8 with a mean value of 58.5. It was directly related to the level of education and income and with several healthcare parameters. The mean value for each Local Administrative Unit was used to establish a ranking, with the commune of Mihail Kogălniceanu (Constanța county) having the highest average QoLI, and the commune of Brăești (Buzău county) having the lowest average QoLI. The QoLI of investigated settlements was in line with the results reported by other studies that assessed the socio-economic development of towns and it can be used as a tool to establish the level of living conditions and to prioritize the need of intervention.
有几个因素导致罗马尼亚等后共产主义国家的生活质量较低,例如住房质量、获得基本基础设施或服务(包括医疗保健)的机会以及收入和教育水平较低。为了评估生活质量与社会和经济因素(包括获得医疗服务的机会)的关系在多大程度上,对罗马尼亚东南部8个定居点的703名答复者进行了实地问卷调查。使用主成分分析,选择四个决定因素来计算生活质量指数(QoLI):污水,每个居民的房间面积,住宅可及性和烹饪燃料使用。每个被调查者计算的QoLI在29.7到94.8之间,平均值为58.5。它与教育水平和收入水平以及若干保健参数直接相关。每个地方行政单位的平均值被用来建立一个排名,米哈伊尔·科格格尔尼切亚努公社(Constanța县)的平均质量指数最高,而Brăești公社(布兹格尔乌县)的平均质量指数最低。所调查住区的质量指标与评估城镇社会经济发展的其他研究报告的结果一致,可以作为确定生活条件水平和确定干预需要的优先次序的工具。
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引用次数: 2
OPEN-SOURCE WEB GIS FRAMEWORK IN MONITORING URBAN LAND USE PLANNING: PARTICIPATORY SOLUTIONS FOR DEVELOPING COUNTRIES 监测城市土地利用规划的开放源码webgis框架:发展中国家的参与式解决方案
IF 0.7 Q3 GEOGRAPHY Pub Date : 2020-02-29 DOI: 10.37043/jura.2020.12.1.2
A. W. Sejati, I. Buchori, I. Rudiarto, Christopher Silver, Kartiko Sulistyo
This paper presents a Web GIS application development framework through an open-source software which aims to provide reliable open data services, required for policymaking in urban land use planning. The geodatabase model is comprehensively developed. It displayed a user interface using QGIS, MapServer, and Pmapper, with open source tools with PHP MapScript programming languages and integrated DB-SQL, to generate a complete digital map service with information on urban land use policy. The results of this Web GIS development can be publicly used with spatial databases suitable for public consumption, and as decision support systems for stakeholders, especially in the policy of urban land use planning. Thus, this application can serve as a model for land-use monitoring systems based upon the principle of information disclosure toward smart city and smart governance.
本文通过一个开源软件提出了一个Web GIS应用程序开发框架,旨在为城市土地利用规划决策提供可靠的开放数据服务。综合开发了地理数据库模型。它显示了一个使用QGIS、MapServer和Pmapper的用户界面,以及使用PHP MapScript编程语言和集成DB-SQL的开源工具,以生成一个完整的数字地图服务,其中包含城市土地使用政策的信息。这种网络地理信息系统开发的结果可以与适合公众消费的空间数据库一起公开使用,并作为利益相关者的决策支持系统,特别是在城市土地利用规划政策中。因此,该应用程序可以作为基于信息披露原则的土地利用监测系统的模型,以实现智慧城市和智慧治理。
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引用次数: 19
ROMANIAN URBAN AREAS: TERRITORIAL, ECONOMIC AND SOCIO-CULTURAL HALLMARKS OF THE CHINESE MINORITY 罗马尼亚城市地区:中国少数民族的领土、经济和社会文化特征
IF 0.7 Q3 GEOGRAPHY Pub Date : 2019-12-31 DOI: 10.37043/jura.2019.11.2.5
I. Mocanu, Radu Săgeată, N. Damian, B. Mitrică, M. Persu
Since 1990s, many Chinese immigrants have come to Romania and they are numbering, nowadays, 2 017 people (83% of the total legal Chinese residents live in urban areas). The aim of this paper is to analyze the territorial, economic and socio-cultural hallmarks of the Chinese minority established in the Romanian urban areas. To meet this objective, both qualitative (interviews and observations) and quantitative (selecting, structuring and valorizing the statistical raw data) methods were used. This study is important due to its multi-territorial levels approach and to its results (e.g. revealing that the economic hallmark influences and shapes the territorial traces of the Chinese minority, identifying the Chinese children as being a sort of ”driving force” which would facilitate the social and linguistic integration of the Chinese minority into the Romanian society) which could support and suggest new topics for the geographical research.
自20世纪90年代以来,许多中国移民来到罗马尼亚,目前有2077人(占城市合法中国居民总数的83%)。本文的目的是分析在罗马尼亚城市地区建立的中国少数民族的领土、经济和社会文化特征。为了实现这一目标,同时使用了定性(访谈和观察)和定量(选择、构建和评估统计原始数据)方法。这项研究之所以重要,是因为它采用了多领域层面的方法及其结果(例如,揭示了经济标志影响和塑造了中国少数民族的领土痕迹,将中国儿童视为一种“驱动力”,有助于中国少数民族在社会和语言上融入罗马尼亚社会),这可能支持并提出地理研究的新课题。
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引用次数: 1
REGIONAL COMPETITIVENESS RESPONSE TO INNOVATION CHANGES: ISSUES OF EVALUATION 区域竞争力对创新变化的响应:评价问题
IF 0.7 Q3 GEOGRAPHY Pub Date : 2019-12-31 DOI: 10.37043/jura.2019.11.2.3
A. Polyakova, V. Kolmakov, O. Yamova
Our research addresses regional competitiveness as the function of innovation activity. We use 15 indicators to cluster the Russian regions in five different groups, and to propose and to estimate the composite competitiveness quotient of a region in order to further regress it by innovation activity indicators. We prove that different groups of regions – “potential competitiveness leaders”, “traditional competitiveness factor employers”, “competitiveness outsiders”, “moderate competitiveness regions”, “competitiveness leaders” – are prone to respond to innovation parameters change in a different manner, thus uniform regulation and strategies are irrelevant. We contribute to the methodology of regional competitiveness estimation by presenting a ready-to-deploy set of data structures and model propositions. Our measure of competitiveness is economy related and easily adjustable regarding the specific innovation phenomena that influence the corporate and aggregate performance, value or efficiency of regions.
我们的研究将区域竞争力视为创新活动的功能。我们使用15个指标将俄罗斯地区分为五组,并提出和估计一个地区的综合竞争力商,以便通过创新活动指标进一步回归。我们证明,不同的地区群体——“潜在竞争力领导者”、“传统竞争力因素雇主”、“竞争力局外人”、“中等竞争力地区”、“竞争领导者”——倾向于以不同的方式对创新参数的变化做出反应,因此统一的监管和战略是无关紧要的。我们通过提供一组现成的数据结构和模型命题,为区域竞争力评估方法做出了贡献。我们衡量竞争力的标准与经济相关,并且很容易根据影响企业和地区整体绩效、价值或效率的特定创新现象进行调整。
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引用次数: 7
THE MAIN TENDENCIES OF SOCIAL AND ECONOMIC TRANSFORMATION OF CITIES IN THE TRANS-BAIKAL TERRITORY 跨贝加尔湖地区城市社会经济转型的主要趋势
IF 0.7 Q3 GEOGRAPHY Pub Date : 2017-07-01 DOI: 10.18411/2067-4082-2017-9-2-173-186
O. Gurova
In this paper, city-status settlements of the Trans-Baikal Territory are considered. The Trans-Baikal Territory is a territorial entity of the Russian Federation located in the south of Asian part of Russia. Cities of the Trans-Baikal Territory are economic and cultural centres of regions; they play an important role in development and support of the surrounding territory. In this paper, demographic, migration, social and economic conditions of the cities are reviewed. The analysis of conditions in cities has been performed on the basis of statistical data collected from the administrations of the cities of the region and other published statistical materials on the basis of a comparative geographical method, as well as a review of the literature. The generality of tendencies in the social and economic situation and regional peculiarities of cities are shown. In all cities of the region there is a decrease in the population. The paper concludes that, by now, the issue of migration loss is the strategically important development problem in the Trans-Baikal Territory.
本文考虑了跨贝加尔地区的城市地位定居点。跨贝加尔领土是俄罗斯联邦的一个领土实体,位于俄罗斯亚洲南部。跨贝加尔地区的城市是各地区的经济和文化中心;他们在周边地区的发展和支持方面发挥着重要作用。本文对城市的人口、移民、社会和经济状况进行了综述。对城市状况的分析是在从该地区城市管理部门收集的统计数据和其他已出版的统计材料的基础上进行的,这些统计材料基于比较地理方法,并对文献进行了审查。显示了城市的社会经济状况和区域特点的趋势的普遍性。该地区所有城市的人口都在减少。本文的结论是,到目前为止,移民流失问题是跨贝加尔地区具有重要战略意义的发展问题。
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引用次数: 1
TERRITORIAL DISPARITIES IN THE ROMANIAN BANAT: ASSESSMENT, DYNAMICS AND IMPACT ON THE TERRITORIAL SYSTEM 罗马尼亚巴纳特的领土差异:评估、动态和对领土系统的影响
IF 0.7 Q3 GEOGRAPHY Pub Date : 2010-07-01 DOI: 10.37043/JURA.2010.2.2.4
Cătălina Ancuța
The article aims to evaluate the heterogeneous nature of the regional space of Romanian Banat, perceived as a developed region. The method is based on the complex paradigm of the concept of territorial disparities, which includes other concepts such as development, territory, spatial equity. The elementary disparities are analyzed by studying three categories of variables: social, economic and of life standard. In order to reveal the intraregional behavior the presented methodology used data from two census – 1992 and 2002, which permitted an analysis in two key moments: little after the change of political regime and respectively, after 1o years of transition. Global disparities are studied by calculating a global development index; according to it two types of areas were established: advantaged (above the regional average) and disadvantaged (under this average). The study of the territorial disparities – both elementary and global ones – and of their dynamics 1992-2002 led to the establishment of a territorial model.
本文旨在评估罗马尼亚巴纳特区域空间的异质性,被认为是一个发达地区。该方法基于领土差异概念的复杂范式,其中包括发展、领土、空间公平等其他概念。通过研究社会、经济和生活水平这三类变量来分析基本差距。为了揭示区域内的行为,所提出的方法使用了1992年和2002年两次人口普查的数据,这些数据允许在两个关键时刻进行分析:政治制度改变后不久和分别在转型10年后。通过计算全球发展指数来研究全球差距;根据它,建立了两类地区:有利地区(高于区域平均水平)和不利地区(低于该平均水平)。通过对1992-2002年基本和全球区域差异及其动态的研究,建立了一个区域模型。
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引用次数: 2
THE REGIONAL DIMENSION OF THE SME SECTOR IN ROMANIA 罗马尼亚中小企业部门的区域层面
IF 0.7 Q3 GEOGRAPHY Pub Date : 2009-09-01 DOI: 10.37043/JURA.2009.1.1.2
D. Antonescu, V. Platon
Situated in a permanent process of adaptation and transformation, the SME sector recorded a significant national quantitative and qualitative leap. At the regional level, development of the SME sector is determined by a number of local factors, which distinguish and emphasize the importance of this sector, providing clues that lead to some courses of action that can be considered when developing strategies or development pro grams. Overall, regional disparities in the development of SME sector are relatively small, except for the region of the capital Bucharest-Ilfov, which is distanced from the other regions in particular with respect to the performance achieved.
中小企业处于一个不断适应和转型的过程中,实现了全国性质的和量的重大飞跃。在区域一级,中小企业部门的发展是由一些地方因素决定的,这些因素区分和强调了该部门的重要性,为制定战略或发展计划时可以考虑的一些行动方针提供了线索。总的来说,中小企业部门发展的区域差异相对较小,除了首都布加勒斯特-伊尔福夫地区,特别是在取得的成绩方面与其他地区差距较大。
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引用次数: 1
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Journal of Urban and Regional Analysis
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