IOSR-JHSS   Volume-25 ~ Issue-7 ~ JuLy 2020

Abstract: Article 30 paragraph (3) of the Law Number 11 of 2008 concerning Information and Electronic Transactions states that any person intentionally and without the right or violates the law in accessing Computers and / or Electronic Systems in any way by violating, breaking through, surpassing, or breaking into security system.ATM is one of electronic systems used to conduct financial transactions.Everyone has an ATM card for personal use that cannot be used and accessed by others without the consent of the owner.If someone uses an ATM card belonging to another person without rights (burglary) then that person can be charged under Article 30 Paragraphs (1), (2) and (3) of the Law No. 11 of 2008 concerning Information and Electronic Transaction.Based on the description.........

[1]. AdamiChazawi dan ArdiFerdian, TindakPidanaInformasi dan TransaksiElektronikMalang: Media Nusa Creative, 2015, hlm. 139.
[2]. AdamiChazawi. Pelajaran Hukum Pidana Bagian 2, Raja GrafindoPersada. Jakarta, 2009.
[3]. Bambang Sunggono, MetodologiPenelitian Hukum, Raja GrafindoPersada, Jakarta, Cetakan ke-12, 2011, hlm35.
[4]. Lawrence M. Friedman, Hukum Amerika, SebuahPengantar, TerjemahanWishnu Basuki, Tatanusa, Jakarta, 2001, hlm. 8.
[5]. Ruslan Renggo, Hukum PidanaKhususMemahamiDelik-Delik di Luar KUHP, Kencana, Jakarta, 2016, hlm 31

Abstract: SHG+s working under AKRSPI with a mission of alleviating poverty and facilitating overall development of the poor families. Financial services being a critical factors determining poverty, SHGs provide financial services to their members. These financial services include, savings, credit for consumption and microenterprise and insurance. Financial literacy is concerned with providing knowledge and skills to poor people in order to help them make decisions about expenditures, savings, investments, credit and insurance and other financial services such as remittances, pension in an informed manner. The present study was undertaken identify the role of (AKRSPI) SHG+ in ensuring financial security and women empowerment among rural women of selected panchayats of Pusa block and also analyze the impact of SHG+ in the life of members. Twenty five Self Help Groups from Md. koari......

[1]. Agarwalla, S. K., Barua, S. K., Jacob, J., & Varma, J. R. (2013). Financial literacy among working young in urban India. Indian Institute of Management Ahmedabad, WP, (2013-10), 02.
[2]. Akter, A., Ahmad, N., Jaafar, W. M. W., Zawawi, D. B., Islam, M. M., & Islam, M. A. (2018). Empowerment of Women through Entrepreneurial Activities of Self-Help Groups in Bangladesh. Journal of International Business and Management, 1(1), 1-15.
[3]. Baluja, G. (2016). Financial Literacy among Women in India: A Review. Pacific Business Review International, 9(4).
[4]. Borah, A. (2014). Women empowerment through Self Help Groups-A case study of Barhampur Development Block in Nagaon District of Assam. IOSR Journal of Economics and Finance, 4(3), 56-62.
[5]. Deininger, K., & Liu, Y. (2009). Longer-term economic impacts of self-help groups in india. The World Bank.

Abstract: Background:This study was carried out in the lower AthiRiver Basin, in the coastal region of Kenya. Weather patterns in the study area have become very variable over the years. Specifically, rainfall has become quite erratic,spatially and in temporal terms. The temperatures have remained higher over the years hence affecting local community livelihoods. The aim of the study was to establish how the changing weather and climatic patterns have affected livelihoods and specifically crop farming with special reference to the maize crop yield. Maize is the staple food in the study area and low yields can immediately translate into poverty and food insecurity. The specific objectives include: i) to establish the trend of maize crop yield in lowerAthi River basin over a period of 37years; ii) to determine the effect of overall and effective rainfall on crop yield; iii) to determine the effect of temperature on crop yield; iv) to establish the combined effect of rainfall and temperature on maize crop.

Key Words: Climate Change, Weather Variability, Correlation, Livelihoods, Climate Smart Agriculture, Precision Agriculture...

[1]. Creswell, J.W., (2003): Qualitative, Quantitative and Mixed Methods Approaches. SAGE Publications, London
[2]. Connolly-Boutin, L., & Smit, B. (2016). Climate change, food security, and livelihoods in sub-Saharan Africa.
[3]. Regional Environmental Change, 16(2), 385-399.

Abstract: Public participation has been reported to be an indispensable component during policy making and its implementation for supporting democracy and stimulating good governance. Public participation is a new concept that came with devolution of governance in Kenya. It is therefore an exciting and valuable subject of study in Public Administration especially when it pertains to the concept of participatory democracy and representation.The main objective of this study was to determine the effectiveness in participation of public in promoting good governance in UasinGishu County. The research methodology to be used is qualitative. The research design took the form of a case study. The method of data collection is a combination of document analysis, interviews and questionnaires. A total of 37 respondents were considered in the study. The respondents were mainly county administrator (1), sub-county administrators (6) and ward administrators (30). Purposive sampling and maximum variation..

Keywords; Public Participation, Governance, organizational structures...

[1]. Akech, M. (2010). Institutional reform in the new constitution of Kenya. International Center for Transitional Justice, 15-32.
[2]. Beins, B. C. (2009). Research Methods.
[3]. Bovens, M. (2005). 8.1 The concept of public accountability. The Oxford handbook of public management, 182.
[4]. Bryson, J. M. (1988). A strategic planning process for public and non-profit organizations. Long range planning, 21(1), 73-81.
[5]. Cooke, B., & Kothari, U. (Eds.). (2001). Participation: The new tyranny?. Zed books

Abstract: Discussion: Aceh is one of Indonesia's provinces that have great economic potential. However, few investors invested in Aceh. Indonesia Vice President JusufKalla had advocated the peace accord in Helsinki on August 15, 2005. The agreement has granted Aceh a special status. Because of its special autonomy, Aceh has several different policies and authority compared to the other provinces in Indonesia. Such authority is regulated on Act Number 11 the Year 2006 concerning Aceh Government. In terms of the economic and investment growth, Article 154 paragraph (1) states that as a national economic system, Aceh economy is open and unhindered in investment. Further, in Article.....

Key Word:Regulation, Licensing, Investment

[1]. Abdul kadir Muhammad, HukumdanPenelitian Cet.1, PT. Citra Aditya Bakti, Bandung, 2004
[2]. Achmad Ali, MenjejalahiKajianEmpirisTerhadapHukum, KencanaPrenada Media Grup, Jakarta, 2012
[3]. Ade Saptomo, Pokok-Pokok MetodologiPenelitian Hukum EmpirisMurniSebuah Alternatif, CetakanPertama, Universitas Trisakti, Jakarta, 2009
[4]. BurhanAshshofa, MetodePenelitianHukum, CetakanKe-enam, PT. Rineka Cipta, Jakarta, 2010 Herman Warsito, PengantarMetodologiPenelitian, BukuPanduanMahasiswa, PT. Gramedia Pustaka, Jakarta, 1997
[5]. Harahap, SistemPengawasanManajemen, Kuantum, Jakarta, 2001

Abstract: This paperexamines the behavioral aspect of Finance by analysing its impact on stock markets during the coronavirus pandemic. It highlights several behavioral biases and its influence on investor returns in the market. Comprehensive research suggests that presence of overconfidence and optimism bias provides suitable evidence for rising markets despite the recent economic downturn. It further suggests that Behavioral Economics might have played a significant role in panic selling which ultimately led to the biggest marketcrash in history (The Black Monday). The role of Irrational Exuberance in building up major financial crisis- especially the Global Financial Crisis (2008-09) is also highlighted.

Key Words: Behavioral Finance, Efficient Market Hypothesis, Biases, Irrational Exuberance

[1]. Madaan, Geetika, and Sanjeet Singh. "An Analysis of Behavioral Biases in Investment Decision-Making."International Journal of Financial Research, 26 June 2019, www.sciedupress.com/journal/index.php/ijfr/article/view/15765/9807.
[2]. Braun, Phillip. "Why Is The Stock Market Up When The Economy Is Down." Forbes, Forbes Magazine, 13 May 2020, www.forbes.com/sites/phillipbraun/2020/04/28/why-is-the-stock-market-up-when-the-economy-is-down/
[3]. Lazaroff, Peter. "5 Biases That Hurt Investor Returns." Forbes Magazine, 8 Sept. 2016, www.forbes.com/sites/peterlazaroff/2016/04/01/5-biases-that-hurt-investor-returns/.
[4]. Institute, CFA. "Three Behavioral Biases That Can Affect Your Investment Performance."Forbes, Forbes Magazine, 21 Dec. 2011, www.forbes.com/sites/cfainstitute/2011/12/21/three-behavioral-biases-that-can-affect-your-investment-performance/.
[5]. Hayes, Adam. "What Is Irrational Exuberance?" Investopedia, Investopedia, 9 Apr. 2020, www.investopedia.com/terms/i/irrationalexuberance.asp