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Journal articles on the topic 'Consumer-regulator'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Bainbridge, Janet. "Plant biotechnology, the regulator and the consumer." Journal of Commercial Biotechnology 11, no. 3 (2005): 222–27. http://dx.doi.org/10.1057/palgrave.jcb.3040121.

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Bhaskar, Dhruva, Andrew McClellan, and Evan Sadler. "Regulation Design in Insurance Markets." American Economic Review 113, no. 10 (2023): 2546–80. http://dx.doi.org/10.1257/aer.20210710.

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Regulators often impose rules that constrain the behavior of market participants. We study the design of regulatory policy in an insurance market as a delegation problem. A regulator restricts the menus of contracts an informed firm is permitted to offer, the firm offers a permitted menu to each consumer, and consumers choose contracts from offered menus. If consumer types and firm signals are ordered in a way that reflects coverage need, the regulator can leverage the firm’s information by forcing the firm to offer specified additional options on each menu. Several extensions illustrate the p

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3

Meireles, Marco, and Paula Sarmento. "Incomplete Regulation, Asymmetric Information, and Collusion-Proofness." Economics Research International 2012 (February 9, 2012): 1–17. http://dx.doi.org/10.1155/2012/818716.

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In an incomplete regulation framework, the regulator cannot replicate all the possible outcomes by himself since he has no influence over some firms in the market. Due to asymmetric information, it may be better for the regulator to allow the unregulated firms to extract a truthful report from the regulated firm through side-payments under collusion, and therefore the “collusion-proofness principle” may not hold. In fact, by introducing an exogenous number of unregulated firms, social welfare differences seem to favour a collusion-allowing equilibrium. However, such result will depend on the r

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Schmulow, Andrew. "Regulating the Regulator : Improving Consumer Protection under a Twin Peaks Regulatory Framework." International Review of Financial Consumers 3, No. 1 Apr 2018 (2018): 1–14. http://dx.doi.org/10.36544/irfc.2018.1-1.1.

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Australia is in the midst of a financial regulatory crisis. Evidence of malpractice, fraud, criminality, contempt for the law, and the abuse of consumers on an industrial scale, all while Australia’s Twin Peaks regulators looked on, has come as a shocking surprise. The implications stretch well beyond Australia: they are relevant wherever the Australian ’Twin Peaks’ model has been adopted or is under consideration. This article argues that the Twin Peaks model must be analysed from the perspective of regulatory design, as well as implementation. The design - the architecture of Twin Peaks - re

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Xiong, Yu, Jiaquan Yang, and Yimeng Li. "Price and carbon emission decisions under pressures of consumer, regulator and competition." International Journal of Manufacturing Technology and Management 30, no. 1/2 (2016): 87. http://dx.doi.org/10.1504/ijmtm.2016.075840.

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Schmulow, Andrew. "Financial Regulatory Governance in South Africa: The Move Towards Twin Peaks." African Journal of International and Comparative Law 25, no. 3 (2017): 393–417. http://dx.doi.org/10.3366/ajicl.2017.0201.

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This article examines the implementation of the Twin Peaks model of financial system regulation in South Africa, the purpose of which is to create a financial system stability regulator, and a financial system consumer protection and market conduct regulator. It examines the historical development of Twin Peaks and its regulatory enforcement principles. It then analyses the similarities and differences between Twin Peaks in Australia (upon which the South African reforms are based) and South Africa. Finally the article provides concluding observations.

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Ebba, Jonathan, Ryan W. Dickson, Paul R. Fisher, Crysta N. Harris, Todd Guerdat, and Sofia Flores. "Fertilizer and Plant Growth Regulator Strategies for Improving Consumer Performance of Container-grown Petunia." HortTechnology 31, no. 3 (2021): 304–14. http://dx.doi.org/10.21273/horttech04757-20.

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The overall goal was to evaluate fertilizer options for greenhouse producers, with or without a plant growth regulator (PGR) application, to improve subsequent performance of container-grown annuals. Petunia (Petunia × hybrida) was the model container-grown crop in simulated production and consumer environments. The first experiment at two locations (New Hampshire and Florida) compared strategies using water-soluble fertilizer [WSF (17N–1.8P–14.1K)], controlled-release fertilizers (CRF), and slow-release fertilizers (SRF) that were either applied throughout or at the end of the 8-week producti

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Marshall, Michael. "Institutional Formation in Tumultuous Times: Reforming English Social Housing Regulation Post-Grenfell." Critical Housing Analysis 10, no. 2 (2023): 58–69. http://dx.doi.org/10.13060/23362839.2023.10.2.559.

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English social housing regulation theoretically exists to promote the social purpose of the sector, yet the success of regulation against this objective has been questioned amidst concerns with the quality of service provided by landlords. Following the Grenfell Tower fire, the government initiated a reform process to reverse a policy of regulatory passivity on consumer standards. This paper conceives of regulatory reform as a case of institutional formation; a dynamic process that shapes conduct via rules, practices and narratives. It fills an empirical gap on how regulatory practice has resp

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Corchón, Luis C., and Félix Marcos. "Price Regulation in Oligopolistic Markets." ISRN Economics 2012 (December 24, 2012): 1–10. http://dx.doi.org/10.5402/2012/509165.

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We consider price regulation in oligopolistic markets when firms are quantity setters. We consider a market for a homogeneous good with a demand function of special form (-linearity), constant returns to scale, and identical firms. Marginal costs can take two values only: low or high. Values of all parameters except the marginal costs are known to the regulator. Assuming that the regulator is risk-neutral and maximizes expected social welfare (defined as the sum of consumer surplus and profits), we characterize the optimal policy and show how this policy depends on the basic parameters of dema

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Kusuma, Fredi Wijaya. "The Effect of Financial Services Authority Regulatory Implementation Concerning Financial Consumer Protection on Banking Financial Performance." Eduvest - Journal of Universal Studies 3, no. 7 (2023): 1289–302. http://dx.doi.org/10.59188/eduvest.v3i7.845.

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Many parties engage in banking as the financial services industry grows, particularly in Indonesia. To keep banks safe, financial services must emphasize customer protection. The Financial Services Authority (OJK), Indonesia's financial services regulator, implemented several consumer protection measures. The policy may hurt banks despite protecting customers. Consumer protection laws strengthen banks. Proper protection would make clients feel safer and increase bank trust. Banks with strong consumer protection regulations will attract more clients since customers will feel safe doing so. This

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Nicholas L Tobing, Agustinus, and . "Consumer Protection Regulations in Life Insurance industry and its challenges: An empirical analysis from Indonesia." International Journal of Engineering & Technology 7, no. 4.9 (2018): 241. http://dx.doi.org/10.14419/ijet.v7i4.9.21088.

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Trust is a crucial factor in the financial industry. Some financial scandals that had impacted Indonesia include the economic crisis in 1998 and have encouraged the regulator to apply adequate consumer protection for the people of Indonesia. In addition, the existence of adequate consumer protection will have a direct impact on the Indonesian financial industry, especially the life insurance sector where the penetration rate is still low in the last 10 years. In the Indonesian context, the implementation of consumer protection is immature and inconsistent. Based on empirical research, this pap

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Feng, Jing, Yanfei Lan, and Ruiqing Zhao. "Regulating a Firm under Adverse Selection and Moral Hazard in Uncertain Environment." Abstract and Applied Analysis 2014 (2014): 1–12. http://dx.doi.org/10.1155/2014/419207.

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This paper investigates a problem of how to regulate a firm which has private information about the market capacity, leading to adverse selection, and which can increase the market demand by exerting costly effort, resulting in moral hazard. In such a setting, the regulator offers a regulatory policy to the firm with the objective of maximizing a weighted sum of the consumer surplus and the firm’s profit (i.e., the social total surplus). We firstly find that the regulator will set the firm’s effort level as zero under observable effort regardless of the market capacity being full or private in

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Тихоненко, Станіслав Вікторович, Юрій Степанович Громадський, Сергій Михайлович Савицький, and Дмитро Анатолійович Гапон. "Implementation grounding of consumer-regulator to control electric loads in the power supply systems." Technology audit and production reserves 2, no. 1(28) (2016): 22. http://dx.doi.org/10.15587/2312-8372.2016.61616.

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Suwandono, Agus. "Pendekatan Holistik Transportasi Berbasis Aplikasi dalam Kerangka Hukum Perlindungan Konsumen." Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 31, no. 1 (2019): 45. http://dx.doi.org/10.22146/jmh.33848.

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AbstractRegulations of transportation based applications still get a rejection, while the government as the regulator may concern to provide protection for public transport providers and consumers. This research method is the juridical normative with descriptive analytical specifications. The results showed that the regulations of the transportation-based application should pay attention to the interests of consumers, businessperson and the government. In addition, there are no regulation abaut ojek online causes the absence of legal certainty to the existence of ojek online. Legal protection

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Hamsyi, Nur Fitriana, Apriyanti Apriyanti, Erni Panca Kurniasih, and Metasari Kartika. "Do Profitability, Leverage, and Political Connections Affect Tax Avoidance? Evidence from Consumer Cyclical Sector Companies." Wahana Riset Akuntansi 11, no. 1 (2023): 11. http://dx.doi.org/10.24036/wra.v11i1.122100.

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Purpose – This study empirically examines the effect of profitability, leverage, and political connections on tax avoidance.Design/methodology/approach – A total of 55 companies from the Consumer Cyclical sector on the Indonesia Stock Exchange were selected by purposive sampling. The analysis technique used is multiple linear regression analysis.Findings – The results show that profitability positively affects tax avoidance. By contrast, leverage and political connections did not affect the tax avoidance of consumer cyclical sector companies listed on the Indonesia Stock Exchange.Originality/v

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Sandhu, Daljit Kaur, Afida Mastura Muhammad Arif, Elistina Abu Bakar, and Husniyah Abd Rahim. "The Role of Regulator and NGOs in Developing Credit Community and Consumer Sovereignty in Malaysia." Pertanika Journal of Social Sciences and Humanities 30, no. 1 (2022): 191–207. http://dx.doi.org/10.47836/pjssh.30.1.11.

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The purpose of regulating the Credit Community industry is to standardise moneylenders’ business compliance so that consumers may freely choose where to pursue their moneylending transactions. Media reported an increasing trend on breaching of consumers’ sovereignty by the moneylenders in Malaysia. Thus, the primary role of regulation effectiveness comes into the limelight. It raises the question of whether regulation enhancement supports or deter consumers’ sovereignty. The study was undertaken in Selangor and Kuala Lumpur, where most of the consumers’ issues were handled by non-governmental

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Conklin, Kathy, Richard Hyde, and Fabio Parente. "Assessing plain and intelligible language in the Consumer Rights Act: a role for reading scores?" Legal Studies 39, no. 3 (2019): 378–97. http://dx.doi.org/10.1017/lst.2018.25.

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AbstractUnder the Consumer Rights Act 2015 consumer contracts and consumer notices are required to be expressed in plain and intelligible language. This is a difficult concept to capture. Determining whether a contract is expressed in plain and intelligible language involves resource-intensive work by regulators and difficult adjudications by courts. This paper explores whether reading scores present a viable alternative. Can a simple computer program tell a consumer, a business, a regulator or the court that a particular contract is not expressed in plain and intelligible language? The paper

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Yudina, O. "The Essence and Main Differences of Consumer Societies from Credit Consumer Cooperatives in the Light of Attracting Citizens' Funds." Scientific Research and Development. Economics 9, no. 6 (2022): 51–55. http://dx.doi.org/10.12737/2587-9111-2021-9-6-51-55.

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The article is devoted to the comparative analysis of the essence of consumer and credit cooperatives in the context of attracting citizens' funds, the transformation of their economic processes and functions in the genesis of microeconomic development. The research is based on the analysis of historical documents and Russian publications, as well as on statistical conclusions of economic data. The aim of the study was to study the evolution of consumer societies and credit cooperatives as instruments for attracting household finances on the example of Russian and foreign companies since the m

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Kreng, Victor B., and May-Yao Huang. "Corporate Social Responsibility: Consumer Behavior, Corporate Strategy, and Public Policy." Social Behavior and Personality: an international journal 39, no. 4 (2011): 529–41. http://dx.doi.org/10.2224/sbp.2011.39.4.529.

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In this theoretical article the concept of feedback with a system perspective and the system dynamics of cause-effect feedback circuits are used to explore the dynamic relationships among consumer behavior, corporate strategy, and public policy with regard to 2 aspects of corporate social responsibility; making a profit and providing social services. A good harmony with consumer behavior is based on emotion, with consumers playing the roles of demander and care receiver. In addition, effective corporate strategy and policy is based on reason, with the corporation playing the roles of supplier

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Habibi, Roojin, Line Guénette, Joel Lexchin, Ellen Reynolds, Mary Wiktorowicz, and Barbara Mintzes. "Regulating Information or Allowing Deception? Pharmaceutical Sales Visits in Canada, France, and the United States." Journal of Law, Medicine & Ethics 44, no. 4 (2016): 602–15. http://dx.doi.org/10.1177/1073110516684803.

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Diverse legal and regulatory measures are used internationally to control the information provided during pharmaceutical sales visits. Little is known about the comparative effectiveness of these measures however. We analyzed the perceptions of regulators, pharmaceutical industry officials, health professionals, and consumer respondents concerning these approaches in Canada, France, and the United States using an empirical realist interests-based approach. Interviews focused on the aims and effectiveness of regulation, barriers and enablers to regulation and suggestions for improvement. An ali

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Manwaring, Kayleen. "‘Click Here to (Dis)agree’: Australian Law and Practice in Relation to Informed Consent." Global Privacy Law Review 3, Issue 3 (2022): 127–49. http://dx.doi.org/10.54648/gplr2022015.

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This article provides a detailed examination of issues with the legislative framework meeting consumer expectations in relation to informed consent, particularly in relation to the Privacy Act 1988 (Cth) and the Australian Consumer Law (ACL). It also discusses two potential areas that might assist in fleshing out the current minimalist legislative definition of consent: namely case law and guidelines issued by the Australian privacy regulator, the Office of the Australian Information Commissioner (the OAIC Guidelines). However the case law available in this area is sparse and provides little g

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Healey, Deborah J. "Strange Bedfellows or Soulmates: A Comparison of Merger Regulation in China and Australia." Asian Journal of Comparative Law 7 (2012): 1–40. http://dx.doi.org/10.1017/s219460780000065x.

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AbstractChina and Australia are extremely significant trade partners and investors. Australia has a very well established competition law, now called the Competition and Consumer Law 2010, with a well-established merger regime. China has a relatively new competition law, the Anti-Monopoly Law 2007. This article compares merger control in the two jurisdictions. The Ministry of Commerce (MOFCOM) has already referred to an Australian decision in rejecting a merger, the only reference to a foreign decision to date, which confirms the utility of the comparison. This article critically evaluates the

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Vishnevskiy, A. A. "Amendments to Consumer Credit Advertising Laws." Lex Russica 78, no. 4 (2025): 25–33. https://doi.org/10.17803/1729-5920.2025.221.4.025-033.

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The paper examines the amendments to the Advertising Law introduced by Federal Law No. 479-FZ dated 23 December 2024, which aim to establish additional requirements for the advertising of consumer loans (loans). The research is of a comparative legal and comprehensive nature: the author evaluates the provisions of the law not only based on a legal (comparative legal) analysis but also taking into account the psychological realities of modern advertising, the nature of its impact on consumers, and the specifics of consumer perception of financial services advertising. This approach has revealed

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Yatini, Yatini, Wahyuni Safitri, Dinny Wirawan Pratiwie, Mieke Yustia Ayu Ratna Sari, and Rustiana Rustiana. "Legal Reconstruction of Subsidized Products from the Perspective of Consumer Protection." Jurnal Ilmiah Global Education 6, no. 2 (2025): 1053–63. https://doi.org/10.55681/jige.v6i2.3790.

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The Consumer Protection Law in Indonesia has so far focused more on transactions between consumers and business actors without distinguishing between commercial products and subsidized products . In fact, subsidized products such as clean water from PDAM, subsidized electricity, and subsidized fuel have different legal characteristics because The price is set by the government and monitored by certain bodies . This difference has implications for price transparency, service quality standards, and dispute resolution mechanisms which is not fully regulated in the UUPK. This article aims to analy

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Mehta, Pradeep S. "Economic Regulations, Competition, and Consumer Protection in Ancient India." Antitrust Bulletin 63, no. 3 (2018): 316–29. http://dx.doi.org/10.1177/0003603x18780557.

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The ancient Indian texts, mainly Manusmriti and Arthashastra, not only paint a vivid picture of flourishing trade and commerce in ancient India, but also provide detailed account of various regulations that were in force to tackle foul play in the markets. It is learned that the Ancient India was a “mixed economy” adhering to the socio-economic philosophy of a “welfare state”. The reliance on market forces to deliver social goods was less. In general, the state was both regulator and competitor, including state enjoying monopoly over certain sectors, such as mines and mineral. This article is

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Tabarov, B. D. "Influence of a new controlled voltage regulator on the current and voltage non-sinusoidality of a power supply system." iPolytech Journal 28, no. 3 (2024): 475–88. http://dx.doi.org/10.21285/1814-3520-2024-3-475-488.

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This work evaluates the influence of a new controlled voltage regulator on the current and voltage non-sinusoidality in different sections of a power supply system during smooth (discrete) voltage regulation on the high-voltage side of a shop transformer. The MatLab software application was used to develop a block-modular model for a transformer substation with the proposed controlled voltage regulator and measurement modules. The developed model was used to investigate the current and voltage non-sinusoidality in different parts of a power supply system when stabilizing the voltage at the con

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Tolstov, Dmytro. "LCOH INDICATORS OF ELECTROLYSER OPERATING SEPARATELY FROM GENERATION." Energy saving. Power engineering. Energy audit., no. 9-10(187-188) (February 8, 2024): 54–77. http://dx.doi.org/10.20998/2313-8890.2023.09.03.

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Abstract. A promising direction for increasing the flexibility of the energy system is the introduction of innovative technologies for regulating electricity consumption. Regulator consumers can use electricity during periods of surplus and suspend consumption during periods of shortage. One such technology is the use of hydrogen electrolyzers to convert excess electricity into hydrogen. One of the key economic indicators of hydrogen technology is "The Levelized Cost of Hydrogen" (LCOH). The paper considers various options for the use of electrolyzers, including: the operation of the electroly

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Zhu, Ying, May Chu, Xiaowei Wen, and Yiqin Wang. "Food Safety Risk Communication between the Food Regulator and Consumer in China: An Evolutionary Game Perspective." Complexity 2021 (August 17, 2021): 1–17. http://dx.doi.org/10.1155/2021/9933796.

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Food safety risk communication has attracted widespread attention in China. The government is the leader in food risk communication. It has even more impact on consumers’ willingness to communicate food risk. Thus, this paper constructs a risk communication game model composed of the central government, local government, and consumers under food safety regulatory agencies in China. Based on the evolutionary game theory, we achieved the evolutionary stable equilibrium points under complying different constraint conditions by solving the replicator dynamic equations of parties in the dynamic sys

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Pavlova, Natalia. "BEHAVIORAL ASPECTS OF REGULATOR DECISIONS." Scientific Research of Faculty of Economics. Electronic Journal 9, no. 1 (2017): 7–18. http://dx.doi.org/10.38050/2078-3809-2017-9-1-7-18.

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The findings of many behavioral economics studies have led many experts to share the view that the effects of limited rationality can be solved through the proper development of the menu options available to the consumer. The devising of such a menu rests on the shoulders of regulators. However, the question arises as to how regulators themselves, in turn, are limitedly rational, and how much they are motivated to provide an optimal menu of contracts that ensures maximum social welfare, given that designing such a menu is costly. This paper systematizes the main manifestations of limited ratio

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Molodyko, Kirill. "Compulsory financial ombudsman under the regulator’s umbrella: Testing a new model of dispute settlement." Pravovedenie 66, no. 4 (2022): 386–407. http://dx.doi.org/10.21638/spbu25.2022.403.

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In post-Soviet countries, the courts are not always effective in resolving consumer disputes. I compare the models of organizing the work of financial ombudsmen in Russia, Kazakhstan, Azerbaijan and Armenia, as well as plans for its implementation in Kyrgyzstan and Belarus. Models of compulsory mediation in a number of European jurisdictions are also analyzed. In some countries there is a tendency towards an increase in the influence of the regulator on the work of financial ombudsmen. The reform of the Russian financial ombudsman is the first attempt at introducing a new compulsory ombudsman

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Solomonov, Mikhail P. "An integrated approach to energy saving of buildings with wear." E3S Web of Conferences 470 (2023): 01033. http://dx.doi.org/10.1051/e3sconf/202347001033.

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The specific costs of thermal energy approved by the Decree of the Government of the Russian Federation No. 306 in buildings with wear and tear do not cover the actual costs. Building owners resist the installation of meters, preferring to pay according to the standard. In the North, the state is forced to reimburse the actual costs of heat supply organizations for fuel. The regulator requires automated systems for rationing the consumption of thermal energy for each heat consumer object in accordance with the thermal characteristics of this object in this area. The relevance of the work is as

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Tal, Aner, Yaniv Gvili, and Moty Amar. "Visual Size Matters: The Effect of Product Depiction Size on Calorie Estimates." International Journal of Environmental Research and Public Health 18, no. 23 (2021): 12392. http://dx.doi.org/10.3390/ijerph182312392.

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Consumers’ calorie estimates are often biased and inaccurate. Even the presence of relevant nutritional information may not suffice to prevent consumer biases in calorie estimation. The current work demonstrates across two studies that visual cues given by larger product depictions lead to increased calorie estimates. Further, it demonstrates that these effects occur even when consumers are given, and notice, information about product quantity. The findings thus shed light on a novel biasing effect on consumer calorie evaluation, and, more generally, the findings provide evidence for the impor

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Miroshnichenko, Dmitry. "The impact of the Bank of Russia’s macroprudential policy on the risk exposure of banks’ consumer loan portfolios." Russian Journal of Money and Finance 80, no. 3 (2021): 73–93. http://dx.doi.org/10.31477/rjmf.202103.73.

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In this paper, the author examines the efficiency of risk weight add-ons introduced by the Bank of Russia depending on borrowers’ debt burden in terms of discouraging high-risk unsecured rouble consumer lending and the effect of these add-ons on banks’ capital adequacy. The analysis is based on open bank reporting data for the period from October 2019 through August 2020. We show that in this time frame, most banks increased their capital. At the same time, the results obtained do not enable us to confirm the hypothesis that this measure has a pronounced effect on the reduction of the risk pro

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Golodnyi, I., and A. Sanchenko. "Spectral analysis of the supply current of the rl load with a voltage regulator based on a pulse-line converter." Energy and automation, no. 4(56) (August 30, 2021): 146–52. http://dx.doi.org/10.31548/energiya2021.04.146.

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Pulse-width voltage regulators are gaining increasing use in industry, especially in variable speed drives. At the same time, little research has been done in the field of electromagnetic compatibility (spectral composition of current consumption). The aim of the study is to determine, using computer simulation, the nonsinusoidality of the current consumption with an RL-load from a voltage regulator based on a pulse-width conversion. The study of the spectral composition of the supply current of an active-inductive load with a pulse-width voltage regulator was carried out using the provisions

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Vasilyev, Yu S., V. V. Elistratov, I. G. Kudryasheva, M. M. Mukhammadiyev, and B. U. Urishev. "Use of maneuverable properties of hydroelectric power plants and hydro-accumulating power plants for improving reliability and operating efficiency of electric power systems of commonwealth countries (using example of power plants of Russia and the Republic of Uzbekistan)." E3S Web of Conferences 216 (2020): 01139. http://dx.doi.org/10.1051/e3sconf/202021601139.

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The possibilities of using shunting properties of HPP units, HAPS (Hydro-accumulating power system) for energy storage and redistribution, as well as Pump Station as a consumer of the regulator in night load dips to increase the reliability of the electric power system (EPS) in the conditions of the current increase in the share of non-nondestructive capacities in Russia and Uzbekistan and the implementation of programs for the development of renewable energy sources, primarily the construction of wind and solar power plants, were considered.

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Yanev, M. "Judicial and public control over the discretionary powers of the national regulatory commission in the fields of energy and public utilities." Uzhhorod National University Herald. Series: Law 2, no. 77 (2023): 133–38. http://dx.doi.org/10.24144/2307-3322.2023.77.2.22.

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The article analyzes the judicial and public control over the discretionary powers of the National Commission for State Regulation of Energy and Utilities. The Authority of the Regulator in the field of setting tariffs in the energy sector is a broad discretion, therefore, an important legal issue is the regulation and implementation of control activities for their implementation. It has been established that the legislation does not provide for the responsibility of the National Commission for State Regulation of Energy and Utilities before consumers - natural persons for making illegal

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Tobing, Agustinus Nicholas, John Tampil Purba, Rizaldi Parani, and Evo Hariandja. "Challenges of consumer protection in the life insurance industry: A qualitative study." Journal of Governance and Regulation 11, no. 3 (2022): 179–88. http://dx.doi.org/10.22495/jgrv11i3art15.

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In the financial sector, trust is essential. The economic crisis of 1998 was one of the financial scandals affecting Indonesia. This phenomenon prompted the regulator to ensure that Indonesians received adequate consumer protection, directly impacting the Indonesian financial sector, especially the life insurance sector, where penetration has remained low over the past decade. Due to its long-term nature and significant economic contribution (OJK [Otoritas Jasa Keuangan], 2017), life insurance is at the forefront of the right to adequate consumer protection, which includes the disclosure of ac

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Ohnishi, Kazuhiro. "ENVIRONMENTAL POLLUTION AND THE EFFECTS OF AMBIENT CHARGES IN MIXED DUOPOLY MARKETS WITH DIVERSE FIRM OBJECTIVES." INDIAN JOURNAL OF FINANCE AND ECONOMICS 3, no. 1 (2022): 35–41. http://dx.doi.org/10.47509/ijfe.2022.v03i01.03.

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This paper uses three mixed Cournot duopoly games and examines the effects of ambient charges as a policy measure for reducing non-point source pollution. In the first game, the regulator of the government first announces the ambient charge, and after that a profit-maximizing firm and a partially cooperating firm simultaneously and independently choose their own output levels. The partially cooperating firm aims to maximize the sum of its own profit and a certain proportion of the profit of the rival. It is demonstrated that an increase in the ambient charge can lead to less pollution. In the

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RASHA, ALTELFAH. "INFLUENCE OF TAXES ON INFLATION." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3, no. 3 (2020): 46–49. http://dx.doi.org/10.36871/ek.up.p.r.2020.03.03.008.

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The article discusses the impact of tax policy of the Russian Federation on inflation. Growth in inflation negatively affects the Russian budget, consumer demand and corporate activity. In turn, this negatively affects the amount of tax revenues and their collection. Since fiscal policy as a whole functions as a regulator of government spending and taxes, using its methods it is possible to purposefully regulate inflationary pro-cesses. Correct use of fiscal policy instruments leads to a stable, balanced growth of the economy and living standards of the population.

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Mulyadin, Sri Ernawati,. "Rimpu Culture In Mbojo Tribe Consumer Behavior In The West Nusa Tenggara Province." Jurnal Manajemen 23, no. 3 (2019): 338. http://dx.doi.org/10.24912/jm.v23i3.568.

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Culture is a complex symbol and fact created by humans passed down from generation to generation as a determinant and regulator of human behavior in existing societies. Researcher was interested in researching the Rimpu Cultural Phenomenon influencing Consumer Behavior in the Mbojo tribe community in West Nusa Tenggara. The study was conducted in Mbojo Tribe which included three regional governments, namely Bima City, Bima and Dompu Districts, with the object of research being the Mbojo tribe who bought Bima's unique sarong to be used as Rimpu. Data collection techniques used in this study, na

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Lysenko, G. V., and A. V. Polbin. "TAYLOR RULE IN RUSSIA IN THE PERIODOF INFLATION TARGETING." Moscow University Economics Bulletin 58, no. 1 (2023): 22–44. http://dx.doi.org/10.55959/msu0130-0105-6-58-1-2.

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Since 2014, the Bank of Russia has switched to a floating exchange rate and inflation targeting. From that moment the key interest rate, that is, the interest rate of the interbankmarket, became the main instrument of monetary policy in Russia. At the same time, the question arises: does the policy of the Bank of Russia really contribute to stabilizing inflation? In otherwords, it is important for policy makers, as well as private economic agents, to understandwhether the rate changes sufficiently to stabilize the deviation of inflation from the target. Thus, the task is reduced to the study o

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Al-Sakkaf, Ali. "Campylobacteriosis in New Zealand: A new twist to the tale? Part two (the consumer and the regulator)." Food Control 33, no. 2 (2013): 562–66. http://dx.doi.org/10.1016/j.foodcont.2013.03.050.

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Wardana, Andy, Rabina Yunus, and Suhardiman Syamsu. "The Government's Role in Stabilizing Rice Prices in Central Sulawesi." Journal La Bisecoman 4, no. 5 (2023): 155–71. http://dx.doi.org/10.37899/journallabisecoman.v4i5.997.

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This research aims to find out the government's role in stabilizing rice prices. This research focuses on what things are being done by the government, in this case Perum Bulog and Disperindag, Central Sulawesi to reduce the increase in rice prices. The method used is qualitative. Collection uses observation, interviews, documents and internet searching. The location of this research includes the city of Palu, Kab. Parigi Moutong, Kab. Donggala, and Kab. Sigi. The theory used is the role of government in the economy based on its activities which consist of the role of government as regulator,

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Didwal, Dr Aditi, and Dr Rachita Negi. "Legal and Economic Perspective of the Consumer Protection Act, 2019 in India: An Overview." International Journal of Scientific Research and Management 10, no. 08 (2022): 375–83. http://dx.doi.org/10.18535/ijsrm/v10i08.lla01.

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The industrial revolution in the international trade and commerce has brought a boom in the corporate sector, which results in a diversity of consumer goods to achieve the needs of the consumers and a mass of services have been made accessible to the consumers. But this industrial revolution had some disadvantages to the customer as it affected the business sovereignty. After independence, many laws were enacted in India for safeguarding innocent customers from unfair and restrictive trade practices sort of a false and dishonourable description regarding the character and quality of the goods.

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Kemp, Katharine. "Strengthening Enforcement and Redress Under the Australian Privacy Act." Global Privacy Law Review 3, Issue 3 (2022): 150–62. http://dx.doi.org/10.54648/gplr2022016.

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The regulatory regime provided by the Privacy Act 1988 (Cth) has long been criticized for its limited effectiveness in providing both remedies for individuals and guidance and deterrence for entities obliged to comply with the statute. Key concerns include the restricted rights of redress for individuals, and the inadequate powers and funding of the federal privacy regulator, the Australian Information Commissioner. In the last three years, the Australian Competition &amp; Consumer Commission (ACCC) has begun to take on an important role in advocating for reform of Australia’s privacy law,

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Imanuddin, Iman, RR Dewi Anggraeni, Fridayani, and Susanto. "Construction of Consumer Protection Against Illegal Online Loan Transactions As a Means of IUS Constituendum in Indonesia." Jurnal IUS Kajian Hukum dan Keadilan 11, no. 3 (2023): 539–56. http://dx.doi.org/10.29303/ius.v11i3.1312.

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The rise of illegal online loans has caused a lot of harm to consumers. Some argue that the OJK as a regulator in the field of financial services is considered incapable of protecting consumers. The research method, normative juridical approach with laws and regulations analyzed qualitatively. The conclusions obtained are, first, the regulation of consumer legal protection for online loans according to Indonesian law is carried out by applying the principles of transparency, fair treatment, reliability, confidentiality, and security of consumer data/information. Second, legal protection for on

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Etches, Marc W. "INTRODUCTION." Journal of Gambling Business and Economics 7, no. 3 (2013): i—ii. http://dx.doi.org/10.5750/jgbe.v7i3.815.

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Welcome to this special edition of the Journal of Gambling Business and Economics.In Great Britain, it has become a regulatory and commercial imperative, to better understand consumer behaviour in relation to gaming machines and gambling-related harm. Businesses seek to improve their offering of gambling-related products and services in relation to market demand which may include changes to game parameters (e.g., increases in stakes and prizes). The regulator seeks to foster an environment where the gambling industry can flourish, but not at the expense of the well-being of consumers generally

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Haim, Liran. "Rethinking Consumer Protection Policy in Financial Markets." Journal of Law and Commerce 32, no. 1 (2013): 23–79. http://dx.doi.org/10.5195/jlc.2013.58.

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Financial products for consumers usually are characterized by complexity and incomprehensibility. Consumers typically find themselves defeated when attempting to control their financial destiny by understanding these products. This Article explores the economic and social factors that lead to this reality, analyzes its highly negative private and social ramifications and proposes an appropriate policy response. I argue that the current market structure creates a reality in which financial institutions are motivated to produce complex financial products for consumers in order to maximize their

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Steynberg, M. C. "Drinking water quality assessment practices: an international perspective." Water Supply 2, no. 2 (2002): 43–49. http://dx.doi.org/10.2166/ws.2002.0044.

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The complexity of compliance monitoring was acknowledged by The Standards and Monitoring Committee of IWA who initiated a task force to investigate international practices. Results from an initial survey indicated that although most countries do have drinking water quality guidelines, only a few are enforcing these guidelines. It was evident that most of these countries do not incorporate analytical variability in the application of analytical results for compliance studies. A clear link between the regulator, the producer and the analyst does not exist. An effective system that assesses compl

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Choi, Chul. "The Microstructure of Mis-Selling: Financial Investment Markets and Regulation in Korea." Academic Journal of Interdisciplinary Studies 13, no. 1 (2024): 1. http://dx.doi.org/10.36941/ajis-2024-0001.

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Financial consumer protection has been ever strengthened around the world after the Global Financial Crisis. Nonetheless, there occurred mis-selling events that caused massive damage to financial consumers and mis-selling still accounts for the largest proportion of financial consumer disputes and complaints recently filed in Korea. Based on the regulatory framework in Korea, this study aims to explore the microstructure of mis-selling, that is, the major influential factors and their interactions. For this, an analytical model is proposed concerning the suitability principle and explanation d

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