to emerge in the Philippines. After being in the wholesale microfinance lending business for two years, BanKO (which is licensed as a savings and thrift bank) was ready to jump into retail microfinance by using the mobile phone as its main channel. With years of experience at Bank of the Philippine Islands (BPI), Chief Executive Officer (CEO) Teresita Tan knew all too well the high cost of bran...

Pawn gold is the flagship product of Islamic banks, and this has low risk, profitable, potential to increase bank assets. This study aimed show effect knowledge marketing on customer interest in pawn products at Bank Jabar Banten Syariah (BJBS) sub-branch office Bumi Serpong Damai, South Tangerang. research uses quantitative methods using multiple linear regression analysis SPSS Version 23. The...

The goal of this study was to discover why employees the Laut Dendang village office choose use services a sharia bank, and what factors influence their knowledge attitudes. Field research using qualitative approach is type called. Employees at served as data sources for study. Data collection done by observation, interviews, documentation, while processing analysis procedures are in four stage...

This report has been lightly edited by the International Labour Office and the Asian Development Bank. The responsibility for opinions expressed in this report rests solely with the author, and publication does not constitute an endorsement by the International Labour Office or the Asia Development Bank of the opinions expressed therein.

Participants in our study were farmers under contract with (the subsidiaries of) two large tobacco companies in the 2008-2009 growing season. The companies organized the farmers into clubs that range in size from 3 to 43 members. To facilitate timely revisiting, we limited our sample to those farmers located near a main trading center in the town of Mponela (population 13,670), and who lived in...

When households increase their deposits in formal bank savings accounts, what is the source of the money? We combine high-frequency surveys with an experiment in which a Sri Lankan bank used mobile Point-of-Service (POS) terminals to collect deposits directly from households each week. We find that the headwaters of formal savings are in sacrificed leisure time: households work more, with evide...

This paper utilizes a new flow measure of the true output of bank services to analyze the impact of mergers on the cost and productivity of Bank Holding Companies (BHCs) over the period 1987–1999. It shows that there are conceptual problems in the output measures used in previous studies, which may be the reason for their paradoxical findings: Bank mergers are estimated to lead to significant i...