Entrepreneurship Education: The Effects of Challenge-Based Learning on the Entrepreneurial Mindset of University Students

The aim of this paper is to investigate the implications of Challenge-Based Learning programs on entrepreneurial skills, and on the mindset and intentions of university students, through a quantitative approach. Resorting to an original database, we analyzed the pre- and post-levels of entrepreneurial skills, mindset and intention of 127 students who attended a Challenge-Based Learning program. Results show a positive and significant effect of Challenge-Based Learning programs on the entrepreneurial mindset and skills—that is, financial literacy, creativity, and planning—of the students.

Profil Literasi Keuangan Islam Karyawan dan Nasabah Baitul Maal Wa Tamwil Daarut Tauhid Bandung

This study aims to determine the profile of Islamic financial literacy in employees and customers of Baitu-l-maal wa Tamwil Darut Tauhid Bandung. This research uses descriptive quantitative method with interval formula to determine the literacy level of the respondents. The data collection technique used a questionnaire to 121 respondents. The results of this study indicate that the profile of Islamic financial literacy among BMT employees and customers is moderate. The employee profile has an Islamic financial level of 0.76. The profile of the level of Islamic financial literacy shows that the level of behavior towards Islamic finance among employees is not in accordance with the knowledge and attitudes of employees in managing finances. The customer profile has an Islamic financial literacy level of 0.50. The level of customer Islamic financial literacy shows that the level of customer behavior towards Islamic finance is not in accordance with the level of customer knowledge and attitudes in managing finances.

An Empirical Analysis of the Impact of Agency Banking on Financial Inclusion in Benue State, Nigeria: Implications for Economic Activities

Twelve (12) out of the Twenty-three (23) local government areas (LGAs) in Benue State do not have the presence of banks over a long period of time. This situation has deprived the inhabitants of these LGAs of access to formal financial services until the advent of agency banking. This study therefore, investigates the impact of agency banking on financial inclusion and economic activities in Benue State focusing on the agency banking activities of First Bank Ltd. The study is anchored on the agency theory and it used a survey design. The study has utilized both primary and secondary data that were analyzed using descriptive statistical tools and structural equation models. Findings of the study have revealed that agency banking activities of First Bank Ltd have immensely enhanced financial inclusion and economic activities in Benue State. However, challenges such as shortages of cash, security problems, network failures, and lack of financial literacy are militating against the smooth operations of the agency banking in the State. On the basis of these findings, the study has recommended among others that, other banks operating in the State should be encouraged to venture into agency banking in the state so as to have a wider coverage of agency banking in the State. Also, government should provide security and partner with the private sector to provide national carrier communication network system to overcome the network failure challenge. Finally, banks should intensify efforts to educate the masses about the validity and potency of agency banking.