Evaluation of performance and productivity is among the fundamental concepts inmanagement. In order to achieve their goals, organizations must evaluate theirperformance. One of the important stages of performance appraisal is evaluation oforganization’s efficiency. Banks, financial and credit institutions are among the mostimportant organizations of every economic system, because every activity...

There is good reason to combine education with microcredit for poverty alleviation in the poor communities of the developing world, including in Indonesia. Poverty is dangerous, it deprives people of their right to education, their right to good health, their right to freedom of speech, their right to democracy, their right to financial services and of course their right to knowledge enhancemen...

Universal Basic Income (UBI) is a fixed income every adult - rich or poor, working idle receives from government. A universal basic is, like many rights, unconditional and universal: it requires that person should have right to cover his her needs, just by virtue of being citizen the country. One premises UBI universality. This paper tries argue in favour its application specified group unemplo...