It seems that credit card fees and programs that offer profit against credit card users in the United States (USA) proved to worsen the income gap between the rich and the poor. The fact is the result of studies issued by the Federal Reserve Bank of Boston reported recently.

The researchers suggested that the campaign made a number of banks in offering the convenience of a credit card. In fact, the report also mentioned that if there is a possibility if the credit card could make it easier to do a transaction. Customers, typically do not specify in advance the value of transactions they do, in addition to card users feel a lot of benefits using this banking service. As a result, people who pay cash tend to be fewer and more limited Transactions using cash, in the end most of their income is used only to pay his credit card bills.

The high income U.S. consumers currently Communities, allowing people to use credit cards. There are at least approximately 20 percent of the U.S. population uses credit cards. Until today, investors worried that the seriousness of the debt crisis could affect confidence in the Greek market for the euro currency and could disrupt global economic recovery. Greek financial crisis that has plagued the stock market participants in foreign countries since early 2010.

On the other hand, a number of investor enthusiasm for the emergence of a report from the International Council of Shopping Centers. Based on a survey of 31 retailers revealed that the level of retail sales in the U.S. in March and up nine percent. The survey was reinforced by the optimism of a number of retail companies that their earnings in the first quarter of this year will be increased in line with strong sales over the past month.

Finances are not easy to arrange, therefore we had better keep the money in the bank. But not everyone want to save money in the bank, especially the lower classes of society, they do not want to be troubled by the administrative requirements, so would prefer to save money at home. So that, now there are many banks have been implementing strategies to attract funds from lower class society. That was done because in the aggregate, funds and transactions of the lower classes of society who have no access to banking are actually quite significant.

The strategy is mostly done in banking is to develop low-cost savings products without the cost of administration. With this product, the value of savings will not be undermined even if the balance is minimal.

One bank is now aggressively collects funds from lower-class society is the State Savings Bank (BTN) Tbk. In collaboration with the World Savings Banks Institute (WSBI), the BTN is currently developing a number of projects encouraging community interest in saving money down.

Bank use a mobile electronic data capture to reach people in remote areas. Bank Indonesia deputy governor Budi Rochadi explained, with a savings product with no administrative costs means the national banking system more open to public access under. Expected to attract 48 million new customers from 80 million Indonesian people of productive age who have not had an account, both commercial banks and rural banks.

Not only solicit funds, BTN will also spur lending to micro sector. Thus, funds raised from the lower classes of society will also be distributed to them as capital to develop the business. Three principles that must be held under the bank in the community aiming at is to focus on retail, have extensive networks, and became a pioneer of development. So save your money at the bank for your future and your family.