Adoption of the Green Economy through Branchless Rural Credit Banks during the COVID-19 Pandemic in Indonesia
, Sudarmo 3, Lucia Rita Indrawati 4, Andjar Prasetyo 5, Noviati Fuada 6, Arnis Rachmadhani 7, Tri Weda Raharjo 8, Heri Wahyudianto 9, Bekti Putri Harwijayanti 10, Jonni Sitorus 11, Mochammad Fahlevi 12,* and Mohammed Aljuaid 13Round 1
Reviewer 1 Report
After going through this manuscript, I suggest the following comments.
1) Introduction of your study: There is an insufficient justification of why your study is important– this should be articulated in the Introduction clearly. For example, in any quality introduction, you should:
(i) specify the domain of interest;
(ii) indicate to what aspect of the domain you intend to contribute, and
(iii) spell out why and how your study will add value to the existing literature.
2. All tables in the paper should be self-sufficient. Authors should add a caption for each table that explains its objective and content. The caption should include a brief description of the variables used in the table. Readers should be able to understand the table without going back to the text. Please proceed in the same way for the figures.
3. Authors should provide more details on the practical/policy implications of their results. The conclusion should also include the study's limitations and future research avenues.
4. Before submitting the revised version of their paper, the authors have to proofread their manuscript by an English native professional to ensure that it reads smoothly and is free from typos, grammatical errors, and awkward sentences.
Author Response
Thanks for your valuable comments
After going through this manuscript, I suggest the following comments.
1) Introduction of your study: There is an insufficient justification of why your study is important– this should be articulated in the Introduction clearly. For example, in any quality introduction, you should:
(i) specify the domain of interest;
(ii) indicate to what aspect of the domain you intend to contribute, and
(iii) spell out why and how your study will add value to the existing literature.
We already change and modified as your suggestion, we improved chapter one and add some previous research
- All tables in the paper should be self-sufficient. Authors should add a caption for each table that explains its objective and content. The caption should include a brief description of the variables used in the table. Readers should be able to understand the table without going back to the text. Please proceed in the same way for the figures.
We add the table and source of figure in bottom right figure because that figure we made by ourself
- Authors should provide more details on the practical/policy implications of their results. The conclusion should also include the study's limitations and future research avenues.
We add limitation and future research as your suggestion and improved implication
- Before submitting the revised version of their paper, the authors have to proofread their manuscript by an English native professional to ensure that it reads smoothly and is free from typos, grammatical errors, and awkward sentences.
We already proofread our paper as your suggestion
Many thanks for your attention
Reviewer 2 Report
It is an interesting document that has merit for publication. However, there are concerns that the authors must address to accept this study for publishing.
1. Abstract must be both deeper and shorter. The analysis is very superficial. Also, the authors should consider incorporating the main results obtained in quantitative terms. In this way, it captures the reader's attention.
2. In the Abstract, MCRB must be defined.
3. Rewrite line 107 -> gap......... gap.
4. The paper's structure should be indicated at the end of the introduction.
5. The title should indicate the country where the study was conducted.
6. Lines from 105 to 107. What is the importance of closing the knowledge gap, specifically in Magelang? State it from a practical and academic perspective.
7. In section 2, technology and green economy are not analyzed together.
8. I suggest moving Figure 7 to Section 2. Also, The Literature Review section should be added. Please elaborate. It is mandatory that Literature Review has updated references.
9. I really don't understand why the authors call it a green economy if there is no indication of green financial products or environmental impacts. This issue is a key point and must be solved.
10. In title mentions "Rural Credit Banks," but credits are made by Urban Residents (section 4.1). Is it clear?
11. Figures 7 and 8 must indicate the source.
12. Conclusion section must be widened and improved.
13. The results are not being compared/analyzed with other studies.
14. Further studies must be indicated.
15. Each author must indicate his/her contributions to the paper in a detailed way.
Author Response
Thanks for your valuable comment
- Abstract must be both deeper and shorter. The analysis is very superficial. Also, the authors should consider incorporating the main results obtained in quantitative terms. In this way, it captures the reader's attention.
Answer: we have modified the abstract for clarity and added quantitative terms to the path analysis results
- In the Abstract, MCRB must be defined.
Answer: Done
- Rewrite line 107 -> gap......... gap.
Answer: we revised as your suggestion
- The paper's structure should be indicated at the end of the introduction.
Answer: We add in end of intro
- The title should indicate the country where the study was conducted.
Answer: We changed as you suggestion
- Lines from 105 to 107. What is the importance of closing the knowledge gap, specifically in Magelang? State it from a practical and academic perspective.
Answer: we revise as you suggestion especially about magelang to fill gap
- In section 2, technology and green economy are not analyzed together.
Answer: we add in each sub section to give explanation together for both
- I suggest moving Figure 7 to Section 2. Also, The Literature Review section should be added. Please elaborate. It is mandatory that Literature Review has updated references.
Answer: we do and revise it as you suggestion
- I really don't understand why the authors call it a green economy if there is no indication of green financial products or environmental impacts. This issue is a key point and must be solved.
Answer: for answer this we already add some paragraph to make a clear in intro about branchless banking and relation with green economy beside that this is program from government to reach green economy 2040 one of them branchless banking
- In title mentions "Rural Credit Banks," but credits are made by Urban Residents (section 4.1). Is it clear?
Answer: MCRB part of Rural Credit Bank in Magelang
- Figures 7 and 8 must indicate the source.
Answer: we revise as your suggestion
- Conclusion section must be widened and improved.
Answer: already revise it
- The results are not being compared/analyzed with other studies.
Answer: we compiled and analyzed with previous studies
- Further studies must be indicated.
Answer: we add this in last chapter
- Each author must indicate his/her contributions to the paper in a detailed way.
Answer : already revised
Thank you so much for your attention
Round 2
Reviewer 1 Report
I believe the authors have thoroughly incorporated the comments. The existing version is well-polished in comparison to the last version. I am hopeful this study will be useful for the readers. Before submitting the final version of the paper, the authors have to proofread their manuscript by an English native professional to ensure that it reads smoothly and is free from typos, grammatical errors, and awkward sentences.
Reviewer 2 Report
The paper can be published. This version was improved regarding the last one.
