The Card of Subsidized Commodities and Services Banks in Developing Countries

THE CARD OF SUBSIDIZED
COMMODITIES AND SERVICES

BANKS IN DEVELOPING COUNTRIES
"HUMANITY'S CIVILIZED SHAPE"
Dr. Safaa Fatouh Gomaa

Doctorate in law-University of Mansoura-Egypt
Master of administration Business, Eslsca School- French University
A researcher at legal sciences
2024
‫ٍِخض اٌثحس تاٌٍغح اٌؼزت‪١‬ح‬
‫رسخد اٌؼذ‪٠‬ذ ِٓ اٌذراساخ االلرظاد‪٠‬ح أْ اٌرؼخُ ‪٠‬ذ‪ٚ‬ر ‪ٚ‬ج‪ٛ‬دا ‪ٚ‬ػذِا ِغ اٌؼزع ‪ٚ‬اٌطٍة‬
‫‪ٚ‬ذىٍفح االٔراض حر‪ ٝ‬أطثحد ِٓ أحذ اٌّسٍّاخ ‪ٚ‬اٌثذ‪١ٙ٠‬اخ االلرظاد‪٠‬ح‪ ،‬إال أْ ٘ذٖ إٌظز‪٠‬اخ‬
‫االلرظاد‪٠‬ح ٌُ ذمف أِاَ اٌسٍ‪ٛ‬ن االسر‪ٙ‬الو‪ ٟ‬اٌغ‪١‬ز اٌزش‪١‬ذ ٌثؼغ اٌّسر‪ٍٙ‬ى‪ٚ ٓ١‬أشزٖ اٌسٍث‪ ٟ‬ػٍ‪ٝ‬‬
‫اٌؼزع ‪ٚ‬اٌطٍة وأسثاب رئ‪١‬سح ٌٍرؼخُ‪ ،‬فاٌسٍ‪ٛ‬ن االسر‪ٙ‬الو‪ ٟ‬اٌغ‪١‬ز رش‪١‬ذ ٌثؼغ اٌطثماخ‬
‫االلرظاد‪٠‬ح أشثد ذأش‪١‬زٖ اٌسٍث‪ ٟ‬ػٍ‪ ٝ‬اٌرؼخُ تشىً ِثاشز‪.‬‬
‫‪ٚ‬ذؼذ ٘ذٖ االشىاٌ‪١‬ح ٘‪ ٟ‬اٌذافغ اٌزئ‪١‬س ٌٍثاحس ٌٍم‪١‬اَ تذراسح ِا ٘‪ ٛ‬االشز اٌسٍث‪ٌٍ ٟ‬سٍ‪ٛ‬ن‬
‫االسر‪ٙ‬الو‪ ٟ‬اٌغ‪١‬ز رش‪١‬ذ ػٍ‪ ٝ‬اٌرؼخُ‪ٚ ،‬و‪١‬ف‪١‬ح ‪ٚ‬ػغ حٍ‪ٛ‬ي ٌ‪ٙ‬ا تإٔشاء ِا ‪٠‬سّ‪ ٟ‬تـ "تطالح‬
‫إٌماؽ اٌّذػ‪ِٛ‬ح" ٌىافح ؽثماخ اٌّسر‪ٍٙ‬ى‪ ٓ١‬ف‪ ٟ‬اٌّجرّغ‪٘ٚ ،‬ذٖ اٌثطالح ذؼرثز ‪ٚ‬س‪ٍ١‬ح ٌرؼٍ‪ُ١‬‬
‫اٌّسر‪ٍٙ‬ه سٍ‪ٛ‬ن االسر‪ٙ‬الن اٌزش‪١‬ذ أوصز ِٓ أٔ‪ٙ‬ا ذحمك ػذاٌح االٔفاق االسر‪ٙ‬الو‪ ٟ‬ت‪ ٓ١‬وً‬
‫اٌطثماخ االلرظاد‪٠‬ح ف‪ ٟ‬اٌّجرّغ‪ ،‬ف‪ ٟٙ‬ذّٕح اٌّ‪ٛ‬اؽٓ اٌؼذ‪٠‬ذ ِٓ ِؼادالخ إٌماؽ اٌّذػ‪ِٛ‬ح اٌر‪ٟ‬‬
‫‪٠‬سرط‪١‬غ أْ ‪٠‬خرار ت‪ّٕٙ١‬ا ‪٠ٚ‬غ‪١‬ز٘ا ‪ٚ‬فما الحر‪١‬اجاذٗ اٌش‪ٙ‬ز‪٠‬ح‪ ،‬فإٌماؽ اٌّذػ‪ِٛ‬ح اٌر‪ ٟ‬ذّٕح‪ٙ‬ا ٘ذٖ‬
‫اٌثطالح ٌ‪ٙ‬ا حذ أدٔ‪ٚ ٝ‬حذ ألظ‪ٌ ٝ‬ىً ؽثمح الرظاد‪٠‬ح د‪ ْٚ‬أْ ذج‪ٛ‬ر أ‪ ٞ‬ؽثمح ِٓ ٘ذٖ اٌطثماخ‬
‫ػٍ‪ٔ ٝ‬ظ‪١‬ة اٌطثمح األخز‪ ِٓ ٜ‬إٌماؽ اٌّذػ‪ِٛ‬ح تسثة االسر‪ٙ‬الن اٌغ‪١‬ز رش‪١‬ذ ٌثؼؼ‪.ُٙ‬‬
‫‪ٚ‬ال ذمرظز تطالح إٌماؽ اٌّذػ‪ِٛ‬ح ػٍ‪ ٝ‬اٌّ‪ٛ‬اد اٌرّ‪١ٕ٠ٛ‬ح فمؾ " وثطالح اٌرّ‪ٌٚ "ٓ٠ٛ‬ىٕ‪ٙ‬ا ذّٕح‬
‫ٔماؽ ِذػ‪ِٛ‬ح ٌىافح أٔ‪ٛ‬اع اٌسٍغ اٌر‪٠ ٟ‬حراج‪ٙ‬ا اٌّسر‪ٍٙ‬ه ِٓ وً ؽثمح‪ٚ ،‬وذا جّ‪١‬غ أّٔاؽ‬
‫اٌخذِاخ ِٓ طحح ‪ٚ‬ذؼٍ‪ٚ ُ١‬غ‪١‬ز٘ا اٌر‪ ٟ‬ال ‪٠‬سرغٕ‪ ٝ‬ػٕ‪ٙ‬ا اٌّسر‪ٍٙ‬ه‪ ،‬وّا ذؼذ تطالح إٌماؽ‬
‫اٌّذػ‪ِٛ‬ح أؼىاسا ٌٍشزاوح اٌفؼاٌح ت‪ ٓ١‬وً لطاػاخ اٌذ‪ٌٚ‬ح ِٓ حى‪ٚ ِٟٛ‬خاص ‪ِٚ‬جرّغ ِذٔ‪،ٟ‬‬
‫‪ٚ‬ذؼرثز أ‪٠‬ؼا لٕاج اذظاي ت‪ ٓ١‬اٌذ‪ٌٚ‬ح ‪ٚ‬اٌّ‪ٛ‬اؽٓ اٌر‪٠ ٟ‬سرط‪١‬غ ِٓ خالٌ‪ٙ‬ا اٌّ‪ٛ‬اؽٓ اسرشؼار‬
‫ذحسٓ ِسر‪٠ٛ‬اخ اٌرّٕ‪١‬ح ف‪ِ ٟ‬جرّؼٗ‪ ،‬فىٍّا دػّد اٌذ‪ٌٚ‬ح احر‪١‬اجاخ اٌّ‪ٛ‬اؽٓ اٌزئ‪١‬سح ِٓ اٌسٍغ‬
‫‪ٚ‬اٌخذِاخ وٍّا اسرشؼز اٌّ‪ٛ‬اؽٓ ارذفاع ِؼذالخ اٌرّٕ‪١‬ح ف‪ِ ٟ‬جرّؼٗ‪.‬‬
‫‪ٚ‬ذظذر ٘ذٖ اٌثطالح ِٓ تٕ‪ٛ‬ن إٌماؽ اٌّذػ‪ِٛ‬ح اٌر‪ ٟ‬س‪ٛ‬ف ذرّزوش ِزاوش٘ا اٌزئ‪١‬سح ػٍ‪ٝ‬‬
‫لطاػاخ اٌذ‪ٌٚ‬ح اٌصالز " اٌشّاي ‪ٚ‬اٌجٕ‪ٛ‬ب ‪ٚ‬اٌ‪ٛ‬سؾ" ‪ٚ‬س‪ٛ‬ف ‪٠‬ظثح ٌىً تٕه رئ‪١‬س‪ ٟ‬فز‪ٚ‬ع ف‪ٟ‬‬
‫وافح أٔحاء اٌمطاع‪ ،‬فثٕ‪ٛ‬ن تطالاخ إٌماؽ اٌّذػ‪ِٛ‬ح سرى‪ِٛ ْٛ‬سػح جغزاف‪١‬ا تشىً ِرسا‪ٚٚ‬‬
‫‪٠‬حمك اٌؼذاٌح االسر‪ٙ‬الو‪١‬ح ٌىً لطاػاخ اٌذ‪ٌٚ‬ح اٌجغزاف‪١‬ح‪ٚ ،‬سرى‪ٌٙ ْٛ‬ذٖ اٌثٕ‪ٛ‬ن "االد‪ٚ‬اخ‬
‫اٌٍ‪ٛ‬جسر‪١‬ح اٌشاٍِح" اٌر‪ ٟ‬ذؼّٓ اٌ‪ٛ‬ط‪ٛ‬ي إٌ‪ ٝ‬وً ؽثماخ اٌّجرّغ االلرظاد‪٠‬ح‪ ،‬فاٌٍ‪ٛ‬جسر‪١‬اخ‬
‫أطثحد غ‪١‬ز ِمرظزج فمؾ ػٍ‪ ٝ‬أد‪ٚ‬اخ إٌمً اٌّاد‪٠‬ح اٌٍّّ‪ٛ‬سح‪ٌٚ ،‬ىٓ أطثح ٕ٘ان ٌ‪ٛ‬جسر‪١‬اخ‬
‫ذىٕ‪ٌٛٛ‬ج‪١‬ح ذرّصً ف‪ ٟ‬اٌرطث‪١‬ماخ االٌىرز‪١ٔٚ‬ح اٌر‪ ٟ‬ذّصً ‪ٚ‬س‪ٍ١‬ح ٔمً خٍ‪٠ٛ‬ح ذسرط‪١‬غ اخرزاق وافح‬
‫اٌح‪ٛ‬اجش اٌّاد‪٠‬ح ٌٍ‪ٛ‬ط‪ٛ‬ي ٌٍّسر‪ٍٙ‬ه‪.‬‬
‫‪ٚ‬تٕاء ػٍ‪ِ ٝ‬ا ذمذَ‪ ،‬فىً لطاع ف‪ ٟ‬اٌذ‪ٌٚ‬ح ٌٗ د‪ٚ‬ر ذشارو‪ٚ ٟ‬ذىاٍِ‪ِ ٟ‬غ اٌمطاع ا‪٢‬خز تاٌشىً‬
‫اٌذ‪٠ ٞ‬حمك أ٘ذاف ٘ذا اٌّشز‪ٚ‬ع ‪٠ٚ‬ؼّٓ ذحم‪١‬ك اٌؼذاٌح االسر‪ٙ‬الو‪١‬ح ٌىً ؽثماخ اٌّجرّغ‪،‬‬
‫‪ِ ٛ٘ٚ‬ا ‪٠‬ؼشس اٌمذرج ػٍ‪ ٝ‬اٌمؼاء ػٍ‪ ٝ‬ظا٘زج اٌجشر إٌّؼشٌح ت‪ ٓ١‬لطاػاخ اٌذ‪ٌٚ‬ح‪ٔ ،‬ا٘‪١‬ه ػٍ‪ٝ‬‬
‫ِا س‪ٛ‬ف ذحممٗ تطالح إٌماؽ اٌّذػ‪ِٛ‬ح ِٓ دػُ ٌإلٔراض اٌّحٍ‪ ٟ‬تشىً وث‪١‬ز ألْ اٌس‪ٛ‬ق اٌّحٍ‪ٟ‬‬
‫س‪١‬ساُ٘ تشىً وث‪١‬ز ف‪ٔ ٟ‬ظ‪١‬ة إٌماؽ اٌّذػ‪ِٛ‬ح ٌىً ِ‪ٛ‬اؽٓ ف‪ ٟ‬اٌّجرّغ‪.‬‬
THE CARD OF SUBSIDIZED
COMMODITIES AND SERVICES
BANKS IN DEVELOPING COUNTRIES
"HUMANITY'S CIVILIZED SHAPE"
Dr. Safaa Fatouh Gomaa

Doctorate in law-University of Mansoura-Egypt
Master of administration Business, Eslsca School- French University
A researcher at legal sciences
ABSTRACT
The global inflation phenomenon has played a significant role in
international economic groups' efforts over the past few decades to
rewrite the rules and make a radical shift away from "combative"
regulation and towards more "positive" methods of phenomenon
mitigation. As part of a global investigation into how the Russian-
Ukrainian crisis exacerbates the global inflation crisis, global inflation is
revealed to be an increasingly challenging issue that necessitates
international cooperation and poses a significant decision-making
conundrum. The researcher looked at a wide range of international
economic studies that addressed inflationary crises around the world. Our
research shows that irrational consumer behavior contributes to the
severity of the inflation problem and plays a significant role in increasing
inflation. The researcher will present an economic analysis to explain
how consumers' irrational consumption habits contribute to rising
inflation, and how to handle this phenomenon by establishing a CARD
OF SUBSIDIZED COMMODITIES AND SERVICES BANKS.
The researcher will therefore emphasize the role that consumers'
irrational consumption behavior plays in driving up global inflation in
developing countries, which is thought to be a trans-boundary
1
phenomenon among these countries. This essay includes a section on
CONSUMERS' IRRATIONAL CONSUMER BEHAVIOR as a cause of
increasing inflation; how does IRRATIONAL CONSUMER BEHAVIOR
BY CONSUMERS INCREASE INFLATION? What negative effects can
consumers' irrational consumer behavior have on developing nations'
inflation rates? How does the rising inflation rate result from irrational
consumer behavior? And how to handle this phenomenon by establishing
a CARD OF SUBSIDIZED COMMODITIES AND SERVICES
BANKS, It is hoped that this research will assist the international
organizations for economic international science in applying these
economic international amendments to global inflation. This study aims
to support responsible international organizations operating in the
economic sector in putting into practice economic policies that will
reduce global inflation by establishing a CARD OF SUBSIDIZED
COMMODITIES AND SERVICES BANKS.
KEYWORDS: Inflation, irrational consumption behavior, card of
subsidized commodities and services banks
ACKNOWLEDGMENT
This paper is a tribute to the Egyptian military martyrs who sacrificed
their lives to ensure our safe life, and to live in security. The author
salutes these courageous people who will continue to inspire us forever.
This paper is not a repayment for Egyptian martyrs' sacrifice, since no
matter what we do, it is impossible to repay, but it is an
acknowledgement that you are the greatest people in the world because
you possess the most valued characteristic in the world, which is a
sacrifice for the sake of others. Salute to Egypt's great martyrs, O
champions who grant us a safe, and hopeful life in exchange for your
lives, that is the most precious value in the life "sacrifice"
DATA AVAILABILITY STATEMENT
Research data are not shared
AUTHOR BIOGRAPHIES:
Dr. Safaa Fatouh Gomaa, Doctorate in law-University of Mansoura ,

Master of administration Business, Eslsca School- French University,
Legal researcher at Egyptian governmental Agency
2
1. INTRODUCTION:
The gradual loss of purchasing power brought on by price increases is
known as inflation. As a substitute for the yield on which purchasing
power declines, the average price increase of a group of goods and
services over time can be used. As prices increase, a currency unit
actually buys less, which is frequently expressed as a percentage.
Deflation, which happens when prices decrease while purchasing power
increases, can be compared to inflation, additionally, inflation makes an
effort to evaluate the overall effect of changing prices on a variety of
goods and services. It makes it possible to represent the escalating cost of
goods and services over time in an economy using a single valuation. (J.
Fernando, 2022)
Demand-pull inflation, cost-push inflation, and built-in inflation are the
three types of inflation;
[1] Demand-pull Inflation: Demand-pull Inflation happens when the
demand for goods or services outpaces the production capacity. Demand
and supply differences are what drive price increases (shortage).
(Sh.Chaluvadi, 2022)
[2] Cost-push Inflation: When the cost of production rises, cost-push
inflation occurs. As input prices (such as labor, raw materials, and so on)
rise, so does the cost of the product. (Sh.Chaluvadi, 2022)
[3] Built-in Inflation: Built-in inflation results from the anticipation of
future inflations. Wage increases are necessary to offset the rising cost of
living. High wages consequently increase production costs, which has an
impact on product pricing.. (Sh.Chaluvadi, 2022)
1.1 The types of products, and services in developing countries:
There are four types of products for consumer; (1) Convenience
Products: Convenience products are the ones that consumers buy most
frequently. They are bought without giving them much thought or
considering alternatives. Typically, convenience products are
inexpensive, don't stand out from the competition, and are placed in
places where they are simple to get to. The products are strategically
positioned, widely dispersed, and require extensive promotion. Briefly;
Convenience product characteristics; bought frequently; at an affordable
price; easily accessible; unlikely to be compared to other products.(CFI
Team, 2022); (2) Shopping Products: Store purchases are becoming less
common among consumers. When shopping, consumers frequently
compare the qualities, costs, and styles of various products. Shopping
3
products are thus contrasted more carefully, and consumers spend far
more time comparing alternatives than convenience products. Shopping
products, as opposed to convenience products, are distributed selectively,
have fewer outlets, and necessitate personal selling and advertising.
Shopping Product Characteristics are; less frequently purchased; at a
moderate price point; frequently compared to other products. (CFI Team,
2022); (3) Specialty Products: Specialty products have distinguishing
features or brand identification. Customers who buy such items are
willing to go out of their way to get them. Buyers do not spend much time
comparing specialty products to other products because they are typically
expensive. Buyers put in more effort when purchasing specialty products
than when purchasing other types of products. Their characters are; with
distinguishing features or brand perception; less frequently purchased, at
an exorbitant cost, rarely compared to other products, only available in
select/special locations.(CFI Team, 2022); (4) Unwanted Products:
Products that consumers do not typically buy or would not consider
buying under typical circumstances are referred to as unwanted products.
Consumers typically don't think about unwanted products until they're
necessary. The price of unanticipated goods varies. Because unwanted
products are not frequently considered by consumers, aggressive
advertising and personal selling are required, and their characters are; not
a priority for consumers requires significant marketing and advertising
efforts. (CFI Team, 2022)
Additionally; there are two types of services for consumer; (1) Social
services: Social services are a wide range of public services aimed at
assisting and supporting specific groups, most notably the
underprivileged. They may be provided by for-profit or non-profit
organizations, individuals, or government agencies. The concepts of
welfare and welfare state are intertwined because countries with
extensive welfare programs frequently provide a wide range of social
services. Social services are used to meet the diverse needs of society.
Prior to industrialization, the provision of social services was primarily
the domain of nonprofits and private organizations, with a limited reach.
Social services are now regarded as a "necessary function" of society and
a means for governments to address global societal issues. (P. Chris,
2004) The provision of social services by governments is correlated with
their adherence to democratic ideals, religious and cultural values, and
universal human rights. Social services' availability and scope differ
significantly between societies. The main demographics served by social
services are families, children, youths, seniors, women, the ill, and the
disabled. Examples of social services include public housing, public
transportation, public education, welfare, infrastructure, mail, libraries,
4
social work, food banks, and universal health care. (S. Jeremy; N. Nicoli,
2015; (2) Economic services: Economic services are tools and
services offered by the government that help those in need get the help
they need to meet their most basic needs. Some states have departments
in charge of administering economic services with the aim of addressing
the needs of those who require them. Economic services might
concentrate on particular categories of social assistance, like child care
requirements, poverty, or unemployment. The services' objective is to
assist clients in making improvements to their situation so they can
bounce back from hardship.The vast majority of economic services are
government-funded assistance programs that help people with immediate
needs or specific problems with short-term costs or expenses.(Indeed
team, 2022)
There are many examples of economic services; these are; (1) Poverty
Reduction and Self-Sufficiency; Helping low-income people meet their
basic needs and achieve economic independence by providing cash
grants, food and medical assistance, and employment-focused services.
Among the major programs are Aged, Blind, or Disabled Assistance,
Pregnant Women's Assistance, Refugee Cash Assistance, Medical
Assistance, and Temporary Assistance for Needy Families. Another is
Basic Food (previously known as the Food Stamp Program),(2)
Enforcing child support obligations and recovering lost funds will help
families become more self-sufficient while also ensuring that parents pay
for their children's upkeep; (3) The Social Security Administration
contracts with Disability Determination Services to determine whether
a person is eligible for medical assistance and Social Security
benefits.(ESA, 2022)
1.1.1 Subsidized commodities and services: A subsidy is a benefit
provided to an individual, business, or institution, usually by the
government. It can be direct (such as cash payments) or indirect (such as
tax breaks). The subsidy is typically given to remove some type of
burden, and it is frequently considered to be in the overall interest of the
public, given to promote a social good or an economic policy. (G. Scott,
2022)
In 2014, the Egyptian government implemented a major reform of the
ration card system (RCS), which allows citizens to access food subsidies
in the form of cash transfers rather than in-kind transfers. Prior to 2014,
beneficiaries could purchase a set quota of three basic commodities at a
very low price: rice, sugar, and cooking oil (LE10 for about 5.5 kg of
food per person). In contrast, the new RCS gives beneficiaries smart
cards that are loaded with a monthly cash allotment of LE50 per person to
5
be used to purchase goods from ration shops. Furthermore, the available
commodities were expanded to include approximately 30 different items,
including meat and cheese, but also soap or washing powder. In essence,
the new RCS design aims to gradually reduce the proportion of food
subsidies.( M.Vannetzel, 2020)
The food subsidy is intended for the poor and low-income people. Egypt's
food subsidy system is divided into two parts: (1) ration card (RC), which
provides specific quotas of subsidized commodities (sugar, oil, rice, and
tea) to eligible households; and (2) Baladi Bread (BB)5, which is
distributed through market outlets with no distinction between
buyers (Ahmed, Akhter U., B. Howarth, T. Gutner, and H. Lofgren
,2001)
1.1.2 Non-subsidized commodities and services: Non-subsidized
commodities are those that have no part of the cost of something paid for
them. (Cambridge, 2023) The non-subsidized products were referred to
as market commodities, and their prices were determined by supply and
demand forces.
1.2 The types of economic classes in developing countries:
Class refers to the classification of people based on their economic
standing in society. The higher you're social class, the more power, status,
and economic influence you have. As a result, it has become one of the
most influential ideas in the last 150 years, fueling massive social change
and revolutions. However, as societies have evolved, so have definitions
of class. During the Industrial Revolution, it was simple to determine
which class you belonged to. It may appear more difficult now. Karl
Marx, a well-known economist, defined class as ownership of "means of
production," which are essentially all material or monetary assets that can
be used to generate income, such as factories, tools, retail real estate,
computers, and so on. The bourgeoisie, or owners of this property, can
make money simply by living off the rent or investment income they
receive. As a result, they are not reliant on work to survive. Those who do
not own the means of production, on the other hand, must work to
survive. The proletariats were primarily factory workers during Marx's
time, which was in the nineteenth century. (Our economy, 2023)
The term "upper class" describes the richest and most influential
members of society, who frequently represent the top 10% of the
population. Members of the aristocracy or nobility are among them, and
they are frequently linked to politics. On the other hand, it can be a little
challenging to define the middle class. People with prestigious, stable,
and well-paying jobs, like doctors and lawyers, are also included, as are
6
those who are home owners. The working class and lower classes must
work in order to survive. They are very similar to Marx's proletariat
because they have low incomes, unstable jobs, little savings, and possibly
debt. (Our economy, 2023) But, all developing societies are divided into
five economic classes: the upper class, upper middle class, middle class,
lower middle class, and underclass. In developing countries, the
subsidized services and commodities have to be delivered to the lower
middle class, and underclass with 100%, but other classes delivered
between 50% - 10% only in subsidized services and commodities.
The following schedule explains the classifications of economic
categories in developing countries: (Table 1)
Type of class The definition of economic class

upper class (A) Monthly formal income is between 35000-50000
upper middle class (AB) Monthly formal income is between 15000-35000
middle class(B) Monthly formal income is between 10000-15000
lower middle class (BC) Monthly formal income is between 5000-10000
Underclass (C) Monthly formal income is less than 5000
Table 1 The classifications of economic categories in developing countries
1.3 The Consumers' consuming culture in developing countries:

The consuming culture of consumers in developing countries differs from
that of consumers in developed countries in that this culture involves the
keeping of inventory for goods, and the consumer in developing countries
is keen to keep a sufficient goods inventory, but inflation threatens this
culture because the consumer is forced to spend from this inventory, and
the inventory deficiency worries the consumer in developing countries.
The unfair distribution of goods and services among consumers, as a
result of some consumers' irrational consuming behavior, increases
inventory 'deficiency for some consumers, which leads to an increase in
consumer' worry in developing countries. The researcher will address this
problem by developing an instrument that removes the consumer's
worries about his goods inventory, by adjusting the distribution process
of goods and services.
1.4 Consumers' irrational consumption behavior:
Rising inflation threatens actual consumer spending and, as a result,
economic growth, but it also raises concerns about how it might affect
income inequality;
7
(1) Compared to households with higher incomes, low-income
households spend more on housing, utilities, and other necessities.
According to estimates cited by Fed officials, lower-income households
devote approximately 77% of their income to necessities, compared to
just 31% for higher-income households. Therefore, poorer families are
more likely to experience the pain of rising food and energy prices,
particularly now that food inflation is at 8.8%, the highest level since the
stagflation years, and energy inflation is at 32%. (L. Brainard , 2022)
(2) It will probably be more difficult for low-income households to
switch to other products whose prices are rising. Due to their tight
budgets, these households may already be buying inexpensive versions of
certain products; therefore, when prices rise, they may not be able to
purchase a cheaper version, forcing them to pay more for the product or
forgo it altogether. (L.Brainard, 2022)
Additionally, research shows that low-income households typically rely
more on government handouts and wages than higher-income
households, who also reap the rewards of their investments. Investment
income is typically less affected by inflation, despite the fact that how
real wages are being reduced. High inflation also coincides with the
gradual elimination of pandemic-related transfers for low-income
households. (L.Brainard, 2022)
Because higher-income householders consume irrationally their luxurious
products, or services, that will affect passively in low-income
householders, for more details, I will assume an example, (A) is a higher-
income householder who spends two-thirds of his income on luxuries
products, or services such as membership in a high-cost club, buy a high-
cost mobile phone, and buy a car, (B) is a low-income householder who
spends his income on necessary subsidized products.
When (A) wants to buy necessary products such as sugar, bread, and rice,
(A) will take from subsidized products assigned to low-income
householders, reducing the supply of subsidized products and increasing
demand from low-income householders for these subsidized products. As
a result, mindless consumption from higher-income householders may
cause inflation by reducing the supply of subsidized products and
increasing the demand for subsidized products assigned to low-income
householders.
Based on the foregoing, the researcher can define Consumers' irrational
consumption behavior as irrational behavior from higher-income
households based on taking a share of subsidized products assigned to
low-income householders, which leads to a reduction in the supply of
8
subsidized products and an increase in demand from low-income
householders for these subsidized products, resulting in inflation.
2. METHODOLOGY
Because they take a hypothetic—deductive approach that focuses on
examining the causal relationship between variables, experiments are a
successful research method for this study. In experimental research, one
or more independent variables are altered and given to one or more
dependent variables to see how they affect the latter. This approach to the
research is scientific. To come to a logical conclusion about the
relationship between these two variable types, researchers frequently
monitor how independent variables affect dependent variables over time.
The following issue appears when this methodology is used on this
research topic:
MjRQ1: What is the connection between the Consumers' irrational
consumption behavior and the inflation?
MinRQ1: what is the effect of CARD OF SUBSIDIZED
COMMODITIES AND SERVICES BANKS on the inflation?
Based on the foregoing, the proposed conceptual model (Figure 1)
clarifies the effect of the Consumers' irrational consumption behavior (an
independent variable) on the inflation (a dependent variable) and the
effect of CARD OF SUBSIDIZED COMMODITIES AND SERVICES
BANKS on the inflation (a moderator variable)
Figure 1 This is the legend figure for the proposed conceptual model
9
3. RESULTS AND DISCUSSION:
The question is, how does inflation occur in the event of a flaw in the
rules governing the distribution of subsidized goods and services?
The source of a flaw in the rules governing the distribution of subsidized
goods and services is irrational consuming behavior from the upper
middle and middle classes, which is dependent on taking the subsidized
commodities portions assigned to the lower middle and underclass. The
schedule below will explain how irrational consuming behavior from the
upper middle and middle classes will lead to a flaw in the rules governing
the distribution of subsidized goods and services; This schedule explains
examples of rules governing the distribution of subsidized goods and
services in developing countries; the flaw in these rules stems from a
shortage of subsidized commodities and services assigned to the lower
middle and underclass as a result of the unauthorized withdrawal of lower
middle and underclass assigned subsidized commodities from the upper
middle and middle classes; (Table 2)
Prices of subsidized commodities Prices of Non- subsidized

for lower middle class and under commodities for Upper middle
class class and middle class
Convenience commodities
Rice 20 pounds 100 tones Rice 30 pounds 70 tones
Sugar 15 pounds 90 tones Sugar 25 pounds 60 tones
Oil 17 pounds 80 tones Oil 27 pounds 50 tones
Bread 0.50 pound 200 tones Bread 1 pound 100 tones
Shopping Products
Clothes 200 pounds 1 piece Clothes 500 EGP 1 piece
Shoes 150 pounds 1 piece Shoes 400 EGP 1 piece
Services
Transport 15 pounds Per day Transport 50 pounds Per day
Education 1000 pounds Per month Education 2000 pounds Per month
Table 2 The examples of rules governing the distribution of subsidized goods and
services in developing countries
The irrational consumption from the upper middle and middle classes,
which is dependent on taking the subsidized commodities portions
allocated to the lower middle and underclass, results in a reduction of the
subsidized commodities portions allocated to the lower middle and
underclass, as shown in the following figure: (Figure 2)
11
Figure 2 This is the legend figure for conclusions of irrational consumption from
the upper middle and middle classes
The irrational consumption of the upper middle and middle classes,
which is reliant on taking the subsidized commodity portions allotted to
the lower middle and underclass, will result in two phenomena; (1)
Decreasing the supply of subsidized commodity portions allocated to the
lower middle and underclass; (2) increasing demand from the lower
middle and underclass for subsidized commodity.
Demand-pull inflation is caused by these two phenomena. Inflation
occurs when the demand for subsidized commodities allocated to the
lower middle and underclass exceeds the supply capacity of these
commodities. Price increases in subsidized commodities are driven by
differences in demand and supply.
The researcher summarizes the relationship between irrational consumer
behavior in the upper and middle classes and rising inflation using the
following equation: (Figure 3)
Figure 3 This is the legend figure for equation that explains the relationship
between the irrational consumption of the upper middle and middle classes and
the inflation
The main finding of this study is that the upper middle and middle classes
engage in irrational consumption, which is one of the factors contributing
to inflation. This irrational consumption behavior leads to a dangerous
phenomenon, which is poor economic distribution of subsidized goods
and services, as illustrated in the figure below: (Figure 4)
11
Figure 4 This is the legend figure for poorly distribution economically for
subsidized goods and services phenomenon
The best solution to this problem is to create an Expenses-Income ID'

card –EI'ID , or SCS card and to establish subsidized commodities and
services banks, which achieve equal distribution of subsidized goods and
services for all economic classes in developing countries, and adjust the
payment of subsidized goods and services to deserving recipients;
(Figure 5)
Figure 5 this is the legend figure for economic class cling behavior
4. SOLUTION OF PROBLEM:
4.1 The definition of an SCS card: The subsidized commodities
and services card, also known as the SCS card, defines an individual's
income and expenses in order to determine which economic class the
individual belongs to and how many subsidized goods and services an
individual requires, In other words, this card is a tool for adjusting the
distribution of subsidized goods and services, The SCS card represents a
DIRECT TOUCHABLE CHANNEL THAT ENABLES A CITIZEN TO
FEEL ECONOMIC DEVELOPMENT IN HIS COUNTRY by translating
12
development progress to subsidized points. This card will address the
issue that "the citizen does not touch, or feel an economic development in
his country," because it will be a direct communication tool that enables
the citizen to touch economic development progress in his country, the
researcher can demonstrate the preceding explanation using the figure
below: (Figure 6)
Figure 6: This is the legend figure for the SCS card as a direct touchable channel
that enables a citizen to feel economic development in his country
Also, as a researcher illustrated previously, THE SCS CARD IS AN

INSTRUMENT THAT ELIMINATES THE CONSUMER'S WORRIES
ABOUT HIS GOODS INVENTORY by adjusting the goods and services
distribution process, as it prevents irrational consumer behavior, which
leads to inventory deficiency.. In a nutshell, the SCS card has several
characteristics, including the following; (1) It is HUMANITY'S
CIVILIZED SHAPE because it embodies human rights, not gifts or
grants for humans; rather, it is an elegant and civilized look for human
rights; (2) The SCS card also symbolizes the CENTRALIZATION OF
NATIONAL SOCIAL SUBSIDIZATION because all state sectors,
including the public, private, and non-governmental organizations, are
coordinated and integrated under the SCS bank; (3) The fact that this
card has numerous rational subsidization equations, representing
numerous options for citizens to select a suitable subsidization equation
each month, makes it also considered A TOOL FOR RATIONAL
CONSUMPTION, The SCS card has many subsidized equations that
represent multiple options for consumers to choose which subsidized
equation is suitable for them monthly; these subsidized equations reflect
rational consuming behavior, allowing the consumer to manage his
income rationally. So these subsidized equations do not give the
subsidized points in all fields; foods, clothes, education, or healthcare
services,....etc., with the same percentage, but the SCS bank established
multiple subsidized equations that distribute the subsidized points in all
fields in a rational manner. And; (4) is a PARTNERSHIP BETWEEN
the GOVERNMENT sector, the private sector, and the NGO. This bank
13
creates numerous protocols and programs that represent a partnership
between the government sector, the private sector, and the NGO in order
to supply the SCS banks with subsidized points. In this regard, I will
explain the main components of this card, and its design that figured the
identification of individual 'income and expenses, but it is important,
here, to determine some problems in creating this card, as following; (A)
The SCS card determines the formal income only: The system's
difficulty is its inability to calculate informal income; in other words, this
system cannot calculate informal income. The definition of informal
income is any income that is neither taxed nor under the scrutiny of the
government is considered informal income. (C. Dean, 2010) Informal
income obscures economic class classification, If a person (A) receives
2000$ per month in formal income but 3000$ in informal income, his
classification will be in the underclass based on his formal income but
lower middle class based on the sum of informal and formal income. As a
result, the person (A) will receive subsidized points that he does not
deserve. In order for a government to calculate the real total income, it is
crucial to legalize informal income by creating a system of informal
income Bonds. This system converts an informal income to bonds, which
grants its holders the subsidized benefits , For example, if a person (B)
has a cow, which is a source of milk products income, and a horse
carriage, which is a source of transporting fees income, and he or she has
a formal income of 2000$ monthly, person (B) can convert his informal
sources (cow, and horse carriage) to bonds, which will grant its holder's
subsidized benefits, such as free veterinary care for these animals, free
animals feed,....etc., Additionally, the owner of an informal income bonds
has the option of increasing the value of the bonds that will provide
insurance benefits by adding the proceeds from an informal income, such
as; veterinary insurance benefits, transport insurance benefits; (B) The
SCS card relates to inflation factor: The second difficulty in the system
is the inflation factor, which will result in insufficient subsidized points
for individuals. For instance, a person (A) from the lower middle class
has 100 subsidized points per month, which, according to an equation;
subsidized point= 10 pounds, equals 1,000 pounds. However, with high
inflation, this amount of subsidized points will be insufficient, so the
value of subsidized points must change to 15 pounds or 20 pounds
depending on the rate of inflation, according to an equation subsidized
point= 15 pounds, or 20 pounds. Based on the foregoing, the banks that
finance subsidized goods and services are required to implement an
"inflation factor" rule that adjusts the value of subsidized points in
accordance with the rate of inflation. Before I display the SCS card, I
will show the subsidized point's equation schedule of economic classes,
as below :( Table 3, 4, 5, 6, 7)
14
Table 3 The subsidized point's equation for class (C)
Economic class type (C)

The goods = 225% subsidized goods points
Maximum of subsidized points in goods: (e.g.) 3000 pounds
Minimum of subsidized points in goods: (e.g.) 1750 pounds
100% foods supplies + 100% clothes + 25% homes' commodities
Subsidized equation 1
150% foods supplies + 50% clothes+ 25% homes' commodities
50% foods supplies + 150% clothes+ + 25% homes' commodities
200% foods supplies + 25% clothes or 200% foods supplies 25% homes'
Subsidized equation 4 commodities
The services= 525% subsidized services points
Maximum of subsidized points in services: (e.g.) 2500 pounds
Minimum of subsidized points in services: (e.g.) 1500 pounds
100% Housing, 100% education, 100% healthcare
Subsidized equation 1 50% transport, 50% electricity, 50% water
50% Gas supplies, 25% communication
Subsidized equation 2 50% transport, , 75%% electricity, 50% water
75% Housing, 75% education, 100% healthcare,
Subsidized equation 3 75% transport, , 50% electricity, 50% water
75% Gas supplies , 25% communication
75% Housing, 75% education, 50% healthcare,
Subsidized equation 4 75% transport, , 75% electricity, 75% water
Table 4 the subsidized point's equation for class (BC)

Economic class type (BC)
The goods= 175% subsidized goods points
Maximum of subsidized points: (e.g.) 2750 pounds
Minimum of subsidized points: (e.g.) 1500 pounds
75% foods supplies + 75%% clothes+ 25% homes' commodities
150% foods supplies + 25% clothes, or 0% foods supplies + 150%
Subsidized equation 4 clothes+ 25% homes' commodities
The services=475% subsidized services points
Subsidized equation 1 25% transport, 50% electricity25% water
15
Table 5 The subsidized point's equation for class (B)
Economic class type (B)
The goods = 125% subsidized goods points
Minimum of subsidized points: (e.g)1250 pounds
100% foods supplies + 0% clothes, or 0% foods supplies + 100% clothes+
Subsidized equation 4 25% homes' commodities
Subsidized equation 1 25% transport, 50% electricit,y25% water
Subsidized equation 2 25% transport, 25% electricity 50% water
Table 6 The subsidized point's equation for class (AB)

Economic class type (AB)
The goods= 75% subsidized goods points
Minimum of subsidized points: (e.g)1000 pounds
50% foods supplies + 25% clothes
Subsidized equation 1 25% transport, 25% electricit,y25% water
50 % Gas supplies, 25% communication
Subsidized equation 3 25% transport, 50% electricity 25% water
16
Table 7 The subsidized point's equation for class (A)
Economic class type (A)

The goods =0%
Maximum of subsidized points: 0
Minimum of subsidized points: 0
Subsidized equation 1 0%
Maximum of subsidized points in services: (e.g.) …..EGP tax exemption, (e.g.) …..EGP insurance
benefits
Minimum of subsidized points in services: : (e.g.) …..EGP tax exemption , (e.g.) …..EGP insurance
benefits
50 % healthcare, 50% electricity for investment goals, 25 % gas
Subsidized equation 1 supplies for investment goals
100% tax exemption
100% insurance benefits
50 % healthcare, 75% electricity for investment goals, 50 % gas
75% tax exemption
50 % healthcare, 100% electricity for investment goals 75 % gas
50% tax exemption
50 % healthcare, 100% electricity for investment goals 100%
Subsidized equation 4 gas supplies for investment goals
50% tax exemption
4.2 The design of The SCS card: The researcher creates an SCS card with
simple symbols, but it contains complex signs; as a result, the researcher will
explain the characters found in an SCS card, as shown in the following:
(Figure 7)
Figure 7: the design of SCS card

Economic class type: This expression refers to the economic class to which
the individual belongs.
17
SCS card' number: refers to the code number of the SCS card that varies
from one to the next
ID' number: means an identification number assigned to each citizen.
Name of SCS card' holder: refers to holder's name on the SCS card
Logo of SCS'bank: Bank of SCS's visual image that can be easily recognized
and understood
Subsidized equation: refers to an equation that provides each economic class
type with alternative subsidized options for goods and services
4.3 The definition of subsidized commodities and services

banks:
Every person from a specific economic class can load specific subsidized
points onto his SCS card by using Subsidized Commodities and Services
Banks, also known as SCS banks, which have subsidized points for all
economic classes. The SCS bank is MELTING POT IN WHICH ALL
SOCIAL PROTECTION INITIATIVES MERGE INTO ONE ENTITY,
eliminating the phenomenon of silo information between social protection
initiatives, which may lead to inequality in benefiting from these
initiatives, as one citizen benefits from all initiatives more than once
while another citizen benefits only once. As a result, combining all of
these social initiatives into a single entity improves the equality of the
right to benefit from social initiatives. THE APPLICATION OF SOCIAL
RESPONSIBILITY FOR ALL STATE SECTORS IS THE MAIN
TENET OF SCS BANK., as previously stated, this bank has its own set
of regulations and rules that fairly distribute subsidized points among
economic classes. Additionally, SCS' banks deal with the phenomenon of
SILO ORGANIZATION, which arises from the individualism practiced
by both government and private organizations in carrying out their tasks.
To put it another way, SCS banks bring all state organizations under one
roof to work in concert. Each class has a different type of subsidized
point and a different number of them. The main guidelines in SCS's banks
are as follows: anyone can switch from one type of subsidized point to
another; anyone can transfer subsidized points to another; and there are
maximum and minimum subsidized points for each person belonging to a
specific economic class, additionally, a "inflation factor" rule that, as
previously shown, modifies the value of subsidized points in accordance
with the rate of inflation.
Subsidized points will be managed through store serials, for example,
subsidized points for clothing will be managed through clothing stores,
18
subsidized points for healthcare services will be managed through clinics,
and subsidized points for petrol will be managed through petrol stations
and so on.
The main benefit of SCS banks is that they are immune to changes in
foreign exchange rates because the services they provide serve as their
currency rather than the money itself, for more details, the researcher has
to handle many items in SCS banks, these items are; the meaning of
services, commodities, demurrage and loan interest, and NGO' financial
donation as a currency, the departments of SCS, the subsidization
processes' tools;
4.3.1 The meaning of services as a currency: Based on national
government sector' social responsibility, the cost of subsidized points,
which are provided to a specific economic class, is a government-
provided service, such as tax exemption, insurance benefits, and
discounting in electricity or water bills, for example; the government can
take subsidized points in healthcare services from private clinics or
private hospitals in exchange for tax exemptions, insurance benefits,
discounting in electricity or water bills. In other words, subsidized points
can be paid for with services' currency; as a result, SCS's bank's payment
system relies on services as a currency, which will be delivered in
exchange for subsidized points.
4.3.2 The meaning of commodities as a currency: Based on national
private sector' social responsibility, commodities produced by
government-owned companies can be viewed as a currency in exchange
for subsidized points; for example, government-owned textile companies
can provide free fabrics to readymade garment factories in exchange for a
number of subsidized points in clothing sales. In another sense, the cost of
subsidized points provided to a specific economic class is a government-
provided commodity by government-owned companies; for example, the
government can take subsidized points in food supplies in meat sales
from packaged meat products in exchange for a free number of cattle.
The payment system of SCS's bank is based on commodities as a
currency, which will be delivered in exchange for subsidized points.
In exchange for free goods provided by government-owned companies,
tax exemptions, and insurance benefits, the government can accept
subsidized points from branded food stores in the form of two different
kinds of currency: services as a currency and commodities ones. As a
result, a mix of services, as currency, and commodities one, can be a cost
of number of subsidized points. From another angle, government-owned
medical device companies can take a number of subsidized points in
19
healthcare services from private clinics and private hospitals in exchange
for free medical devices and their maintenance provided to these private
clinics and hospital ones.
4.3.3 The meaning of demurrage and loan interest, as a currency;
Based on banks' social responsibility, many investment projects take
loans, to build their businesses, from private banks, or the government
ones. These investments are in many goods, including food supplies,
clothing, all types of home commodities,...etc. The SCS banks can
establish protocols with the private banks or governmental ones to take
subsidized points from these investments in exchange for exemption in
demurrage, and loan interest.
In this regard, the demurrage and loan interest, which are financial
burdens on businesspeople, are used as a currency to provide the SCS
banks with subsidized points by converting the financial burdens of these
investments into subsidized points through protocols between the SCS'
banks and private banks and government ones, which allow these private
banks and government ones to exchange a percentage of the demurrage
and loan interest, which are financial burdens, with subsidized points to
SCS bank from these investment projects.
4.3.4 The meaning of NGO' financial donation, as a currency:
Based on NGO' social responsibility, NGOs receive large financial
donations from all social classes. The SCS bank can set up protocols
with NGOs to take subsidized points, which represents total or partial
exemption from education expenses, healthcare costs, housing costs, etc.,
for two economic classes (C), (BC).
4.4 The departments of SCS's bank:
The SCS banks are divided into four departments. The first uses services
as a currency to gain subsidized points by establishing protocols with all
private service sectors, including healthcare, education, housing,
transportation, electricity, water, gas supplies, and communication. The
second department establishes protocols with all private goods sectors,
including food supplies, clothing retailers, and home goods, in order to
gain subsidized points using the commodities as a currency.
The third department uses demurrage and loan interest as a currency to
gain subsidized points by establishing protocols with all private and
public banks that convert demurrage and loan interest as financial
burdens into subsidized points from investment 'projects to feed the SCS
banks. The fourth department uses NGO financial donations as a currency
to obtain subsidized points, which entail total or partial exemption from
21
education expenses, health care costs, housing costs, etc., for two
economic classes (C), (BC).
The four departments of SCS banks are explained in the following
schedule; (1) the services department; (2) the commodities department;
(3) the demurrage and loan interest department, (4) NGO' financial
donation department; (Table 8)
Departments of SCS's bank

Services as a currency, or mix of Services, and commodities, as a currency
Healthcare (1) governmental protocols with private clinics
services (2) governmental protocols with private hospitals
Education services (1) Governmental protocols with Private education supplies stores
(2) Governmental protocols with Private education services centers
Housing services (1) Governmental protocols with private Owners of real estate
companies to adopt a discounted rental system
Transport services (1) governmental protocols with Private transportation companies
Electricity services (1) governmental protocols with electricity sector
Water services (1) governmental protocols with water sources sector
Gas supplies (1) Governmental protocols with Private Gas services stations
Communication (1) Governmental protocols with communication services stations
commodities as a currency, or mix of Services, and commodities, as a
currency
Foods supplies (1) governmental protocols with private supermarkets
(2) protocols between government-owned companies with private food
supplies factories
Clothing stores (1) governmental protocols with private branded stores
(2) protocols between government-owned companies with private
readymade garment factories
Homes commodities (1) Governmental protocols with homes commodities stores
(2) protocols between government-owned companies with private
homes commodities factories
Financial burdens, such as demurrage, and loan interest, as a currency
Private Banks (1) governmental protocols with private Banks
Government Banks (1) governmental protocols with government Banks
Financial donates from NGO, as a currency
NGO governmental protocols with NGO
Table 8 The four departments of SCS banks
4.5 The hierarchy of SCS banks: A hierarchy is a system for classifying

people into various ranks or levels of importance, such as in society or in
a workplace. It entails placing ideas and beliefs into a system or structure.
(Collins, 2023) There are many benefits to a hierarchical structure for an
organization. For instance, it can help establish; (1) a set of clear
authority and reporting structures within the organization; (2) A clearer
understanding of the roles and responsibilities of employees;(3)
Responsibility for decisions or actions at different levels of management;
(4) Clear career paths and career development opportunities that motivate
employees; (5) Empowering employees to specialize in their area of
21
expertise; (6) Close supervision of employees across a narrow range of
management. (Nibusinessinfo, 2023)
The SCS banking hierarchy offers the same benefits as before. It is a clear
set of authorities and reporting structures in SCS Bank, a better
understanding of employees and roles and responsibilities, it also
represents responsibility for decisions or actions at different management
levels, clearly defined career paths, and career paths that motivate
employees in SCS bank, enabling SCS bank and staff specialization in
their field and close supervision of SCS bank and; employees with
narrow management, these advantages are illustrated in the following
hierarchy for SCS bank; (Figure 8)
Figure 8 : the hierarchy of SCS banks
4.6 Subsidization tools available in SCS's bank: SCS'bank has many

tools for the subsidization process, which are classified into three types:
managerial, logistical, and software tools.
4.6.1 Managerial tools: The SCS's bank has a variety of tools at its
disposal that enable people to take advantage of subsidized points as
22
intended. The first category of these tools is managerial, and it consists of
many government-run agreements with businesses and service providers.
According to these protocols, which are illustrated in the following
figure, government services are exchanged for subsidized points. (Figure
9)
Figure 9 : the SCS banks equation
4.6.1.1 A governmental program that offers subsidized points in

exchange for tax exemption, and governmental commodities:
The first tool in the subsidization process is the creation of government
programs with branded goods stores, such as clothing, food, home
commodities, and so on. As a form of currency, the government will
provide services such as tax exemption, insurance benefits, and discounts
on electricity and water bills in exchange for subsidized points in the sale
of clothing, food, and household goods. By this equation, SCS's bank, for
example, will accept a number of subsidized points from branded clothing
stores in exchange for tax exemption from the national government. The
SCS bank is regarded as a channel through which collected taxes are spent
in their allocations; in the meantime, is a tunnel through which subsidized
points are taken in exchange for government commodities, which it
produces. These procedures can be carried out using the two equations
below:
Number of subsidized points = value of tax exemption / value of one
subsidized point.
Number of subsidized points = value of governmental commodities /
value of one subsidized point.
Using this equation, if the government grants 30 million as a tax exemption
to 60 clothing stores, and the value of one subsidized point is a 1000
discount in clothing sales per person, the number of subsidized points will
be 30000 subsidized points in clothing sales, which will be distributed
23
among four classes: C, BC, B, and AB. The majority of subsidized points
from clothing sales will go to classes C and BC, while the remaining points
will go to classes B and AB. By establishing governmental programs with
branded goods stores, the researcher will create two schedules that explain
how to calculate the subsidized points for all types of goods stores in
exchange for tax exemption, insurance benefits, and discounts in water and
electricity bills, this phrase can be displayed in the following two
schedules; (Table 9, 10)
Governmental programs in conjunction with a series of branded goods stores

Subsidized points are exchanged for tax exemption
Type of store Number of store Value of tax exemption Number of subsidized points
: one subsidized point= 1000 pounds discount in clothes sales per person
Clothes stores 60 30 million tax exemption 30000 subsidized points in clothes
sales
Distribution rules of subsidized points 11000 subsidized 9000 subsidized points for 7000 subsidized points for class type
related to clothes 'store points for class type class type (BC) (B)
(C) 3000 subsidized points for class type
(AB)
: one subsidized point= 1500 pounds discount in food sales
Foods stores 100 60 million tax exemption 40000 subsidized points
related to food 'store points for class type class type (BC) (B)
(AB)
Homes' commodities 150 40 million tax exemption 50000 subsidized points
Distribution rules of subsidized points 17000 subsidized 15000 subsidized points for
12000 subsidized points for class type
related to Homes' commodities 'store points for class type class type (BC) (B)
(AB)
Subsidized points are exchanged for governmental commodities
Type of store Number of store Value of governmental Number of subsidized points
commodities
: one subsidized point= 500 pounds discount in clothes sales per person
Readymade garment factories 40 Value of provided free 40000 subsidized points

fabrics provided from
governmental –owned
companies= 20 million
related to Readymade garment points for class type class type (BC) (B)
factories (C) 5000 subsidized points for class type
(AB)
Foods supplies factories 50 Value of provided free 50000 subsidized points
fabrics provided from
related to Foods supplies factories points for class type class type (BC) (B)
(AB)
24
: one subsidized point= 500 EGP discount in food sales
Homes' commodities factories 30 Value of provided free 30000 subsidized points in clothes
fabrics provided from sales
related to Homes' commodities 'factories points for class type class type (BC) (B)
(AB)
Table 9 Governmental program that offers subsidized points in exchange for tax
exemption, and governmental commodities
Governmental protocols in conjunction with a series of branded services

Subsidized points are exchanged for tax exemption
Type of services Number of store Value of tax exemption Number of subsidized points
: one subsidized point= 1000 pounds discount in healthcare services
Healthcare services 40 private clinics, 60 75 million tax exemption 750000 subsidized points
centers pharmacies, 50
hospitals
Rule of subsidized points 5000 subsidized points 15000 subsidized points for class 35000 subsidized points for class type (B)
related to healthcare for class type (C) type (BC) 20000 subsidized points for class type (AB)
services centers
: one subsidized point= 500 pounds discount in transport services
Transports services 50 Private 30 million tax exemption 60000 subsidized points
transportation
companies
related to transport' for class type (C) type (BC) 20000 subsidized points for class type (AB)
services
: one subsidized point= 1500 d pounds iscount in housing services

Housing services 50 private Owners of 75 million tax exemption 50000 subsidized points
real estate companies
Rule of subsidized points 5000 subsidized points 8000 subsidized points of 25000 subsidized points of discounted rental system
related to housing of discounted rental discounted rental system for for class type (B)
services system for class type class type (BC) 12000 subsidized points of discounted rental system
(C) for class type (AB)
: one subsidized point= 2500 pounds discount in education services
Education' services 60 private schools 25 million tax exemption 10000 subsidized points
related to education for class type (C) type (BC) 2500 subsidized points for class type (AB)
services
: one subsidized point= 500 pounds discount in gas supplies

Gas supplies' services 40 Private Gas services 10 million tax exemption 2000 subsidized points
stations
Rule of subsidized points zero subsidized points zero subsidized points for class 1500 subsidized points for class type (B)
related to gas supplies for class type (C) type (BC) 500 subsidized points for class type (AB
services
: one subsidized point= 100 pounds discount in electricity, and water'

charged card
Electricity sector& water 15 electricity, water 5 million 50000 subsidized points
sector government-owned
companies
25
Rule of subsidized points 25000 subsidized points 12000 subsidized points of 8000 subsidized points of discounted charged
related to electricity, and of discounted charged discounted charged electricity electricity and water card for class type (B)
water supplies' services electricity and water and water card for class type 5000 subsidized points of discounted charged
card for class type (C) (BC) electricity and water card for class type (AB)
: one subsidized point= 100 pounds discount in communications' services
Communication services 15 communication 5 million 50000 subsidized points

government-owned
companies
Rule of subsidized points 25000 subsidized points 12000 subsidized points of 8000 subsidized points of for class type discounted
related to of discounted charged discounted charged telephone, charged telephone, and Internet bills (B)
communications' services telephone, and Internet and Internet bills for class type 5000 subsidized points of discounted charged
bills for class type (C) (BC) telephone, and Internet bills for class type (AB)
Table 10 Governmental program that offers subsidized points in exchange for tax exemption, and
governmental services

exchange for insurance benefits: The government can establish
agreements with branded retailers or factories to accept a number of
subsidized points in exchange for insurance benefits provided by the
government, such as health insurance, insurance for work-related illnesses
and injuries, fire insurance, etc. The government can also establish
agreements with private insurance companies to obtain discounts on
insurance premiums for retailers or factories that enter into agreements
with the government. These procedures can be carried out using the
following equation: (Table 11)
Number of subsidized points = value of insurance cost' exemption /
value of one subsidized point.
Governmental protocols in conjunction with a series of branded goods stores
Subsidized points are exchanged for insurance benefits
Type of store Number of store Value of insurance cost' Number of subsidized points
exemption
: one subsidized point= 500 pounds discount in clothes sales
Clothes stores 60 20 million insurance cost' 40000 subsidized points
exemption
Rule of subsidized 13000 subsidized 12000 subsidized points for 10000 subsidized points for class type (B)
points related to points for class type class type (BC) 5000 subsidized points for class type (AB)
clothes 'store (C)
Foods stores 100 40 million insurance cost' 40000 subsidized points
exemption
food 'store (C)
Homes' 100 40 million insurance cost' 80000 subsidized points
commodities exemption
26
Homes' (C)
commodities 'store
Table 11 Governmental program that offers subsidized points in exchange for insurance benefits
4.6.2 Technological tools: The SCS bank has to have many technological
tools that aim to coordinates, and organize the SCS bank' processes, these
tools are; (1) information systems of SCS bank, (2) the accounting
software;
4.6.2.1 The information system of SCS bank: The first technological
tool is the information system of SCS Bank, An information system (IS) is
a network of interconnected parts that is used to gather, store, process, and
transmit digital data. It consists primarily of a group of components that
work together to convert unprocessed data into usable information,
including hardware, software, data, people, and processes. A variety of
business goals, such as bettering customer service or boosting
productivity, are supported by an IS. Based on the above, the three main
components of an SCS bank' information system, are depicted below:
System Black Box, Context Diagram, and Data Flow Diagram.
4.6.2.2 System black box: System black boxes are systems that can only
be mechanically understood in terms of inputs and outputs. These are
referred to as "black boxes" or "transparent systems" by some. Internal
mechanisms can be applied to a wide range of systems, including
commercial or government organizations, internal motors, transistors,
human brains, and computer algorithms.. (B. Boris, 1995) Based on the
above information, the system black box of the SCS bank' information
system is as follows (Figure 10):
Figure 10: This is the legend figure for SCS bank' system black box
27
4.6.2.3 Context Diagram: An engineering diagram delineates the
boundary between a system or component of a system and its
environment while also defining the components of a system. This
hierarchical diagramming system has block-like features. (M. Kumar
Choubey, 2012) the context diagram for the (SCS) information system is
displayed below in light of the aforementioned. (Figure 11):
Figure 11 This is the legend figure for (SCS) bank' context Diagram
4.6.2.4 Data Flow Diagram: is a term used to describe how data flows
through a system or process, typically an information system. The DFD
also includes data on each units and process' inputs and outputs. A data
flow diagram does not contain loops, decision steps, or control flows. A
flowchart can be used to represent data-driven processes. (P. D. Bruza,;
van der Weide, Th. P., 1995). On the basis of the foregoing, (Figure 12)
depicts the data flow diagram for the (SCS) information system.
Figure 12 This is the legend figure for (SCS) bank 'Data Flow Diagram
28
4.6.2.5 The programs of subsidized points department: The SCS
bank's information system is based on numerous types of programs,
particularly accounting ones that calculate the subsidized points for each
economic class. The researcher provided an explanation of the equations
that structured the previous calculation of the subsidized points.
4.6.3 Logistic tools: The third category of Subsidization tools available in
SCS's bank is logistical ones. These logistical tools are classified into two
types: SCS bank application and Mobile SCS bank. Instead of being
designed for use on desktop or laptop computers, the SCS' bank mobile
app (or mobile application) is a software program created specifically for
use on small, wireless computing devices like smartphones and tablets to
charge the SCS' card monthly by selecting a suitable subsidization
equation, which displayed in the SCS' app, this technological ability is for
economic classes, who have technological experience, who can use the
Mobile apps to get their interests, as shown below; (Figure 13)
Figure 13 The design of SCS 'bank application
The majority of economic classes in classes (C) and (BC) lack

technological literacy or are unable to use mobile applications, and the
Mobile SCS banks make it possible for them to charge their SCS cards.
These Mobile SCS banks have a staff of employees who assist customers
in charging their SCS cards. (Figure 14)
Figure 14 The design of Mobile SCS 'bank
29
4.7 How does an SCS card and subsidized commodities and
services banks work:
The SCS bank collaborates with three main parties: (1) the Ministry of
Planning and Economic Development; (2) the Ministry of Social
Solidarity; and (3) the Council of Ministers' Information and Decision
Centre. Each party has its own process, but the first operation will be
carried out by the Council of Ministers' Information and Decision Centre,
which will generate static and numerical reports to determine the names
and numbers of five economic classes: A, AB, B, BC and C. The second
operation will be carried out by the Ministry of Social Solidarity, which
will produce reports defining the needs and requirements of each
economic class. The third operation will be carried out by the Ministry of
Planning and Economic Development, which will activate protocols with
related organizations in order to satisfy the required subsidized points for
each economic class. As a result, the researcher will describe how these
three types of operations will function:
4.7.1 The operations of Council of Ministers' Information

and Decision Centre: The operations that the Council of Ministers'
Information and Decision Centre will carry out will necessitate the use of
three main tools: (1) Qualitative committees; a small group of
employees chosen to represent a Council of Ministers' Information and
Decision Centre and collect qualitative data for a number and
identification of five economic classes: A, AB, B, BC, C to determine the
names and numbers of them and ; (2) Questionnaires; a list of questions
designed by a qualitative committee chosen to represent a Council of
Ministers' Information and Decision Centre is asked in order to collect
qualitative and quantitative data on numbers and the identification of five
economic classes: A, AB, B, BC, and C (3) Reports; a description of
qualitative and quantitative information about a number, as well as the
identification of five economic classes: A, AB, B, BC, and C.
4.7.2 The operations of Ministry of Social Solidarity: Three

primary instruments will be required for the Ministry of Social
Solidarity's operations: (1) Qualitative committees: a small team of
workers selected to represent the Ministry of Social Solidarity gathers
qualitative information to identify the needs and requirements of the five
economic classes (A, AB, B, C, and D) in order to calculate the kinds and
quantities of goods and services that each economic class requires; (2)
Questionnaires; a list of questions designed by a qualitative committee
selected to represent the Ministry of Social Solidarity is asked in order to
collect qualitative and quantitative data on numbers as well as the
31
identification of needed services and goods for five economic classes:
The letters A, AB, B, BC, and C; (3) Reports: these provide a description
of both quantitative and qualitative data about a number, along with the
required goods and services for each of the five economic classes A, AB,
B, BC, and C.
4.7.3 The operations of the Ministry of Planning and

Economic Development: Three main tools will be required by the
Ministry of Planning and Economic Development: (1) Upper committee:
a small team of workers chosen to represent the Ministry of Planning and
Economic Development collects qualitative reports completed by the
Ministry of Social Solidarity and the Council of Ministers' Information
and Decision Centre in order to identify the needed and required
protocols with the government sector, private sector, and non-
governmental organizations; (2) Surveys; a directory of relevant national
organizations; the public, private, and non-governmental sectors that will
meet the needs of each of the five economic classes for goods and
services; (3) Reports, which outline the quantitative and qualitative
procedures with relevant national organizations that will meet the needed
goods, and services of each of the five economic classes (A, AB, B, C,
and D).
4.7.4 The operations of subsidized points departments: This

department in SCS' banks performs a single operation that relies on
calculating programs to compile all final reports for three previous
government organizations in order to create equal distribution of
subsidized points for all economic classes. The following diagram
exemplifies this: (Figure 15)
Figure 15 The design explains a role of SCS' subsidized points departments
31
5. CONCLUSION:
(1) Inflation measures the overall impact of price changes on a wide
variety of goods and services. It enables a single valuation to represent an
economy's escalating cost of goods and services over time.
(2) The three types of inflation are demand-pull inflation, cost-push
inflation, and built-in inflation.
(3) The following categories of goods and services are prevalent in
developing nations: (a) Subsidized goods and services: A subsidy is a
benefit given to a person, company, or institution, typically by the
government; (b) Non-subsidized goods and services: Non-subsidized
goods and services are those for which no portion of the purchase price
has been paid.
(4) The upper class, upper middle class, middle class, lower middle class,
and underclass are the five economic classes that exist in all societies. In
developing nations, the lower middle class and underclass must receive
100% of the subsidized commodities, while the middle class only
receives 50% of subsidized goods and 100% of subsidized services.
(5) Consumer irrational consumption behavior is defined as irrational
behavior from higher-income households based on taking a share of
subsidized products assigned to low-income householders, which leads to
a reduction in supply of subsidized products and an increase in demand
for these subsidized products from low-income householders, resulting in
inflation.
(6) The upper middle and middle classes' irrational consumption
behavior, which depends on taking the subsidized commodity portions
allotted to the lower middle and underclass, is the cause of a flaw in the
rules governing the distribution of subsidized goods and services. The
following schedule explains how the rules governing the distribution of
subsidized goods and services will be flawed as a result of the upper
middle and middle classes' irrational consumption behavior.
(7) The irrational consumption of the upper middle and middle classes,
which is reliant on taking the subsidized commodity portions allotted to
the lower middle and underclass, will result in two phenomena: (a) a
decrease in the supply of subsidized commodity portions allotted to the
lower middle and underclass; and (b) an increase in demand for
subsidized commodity from the lower middle and underclass.
(8) In order to achieve equal distribution of subsidized goods and services
for all economic classes in developing countries and to adjust the
32
payment of subsidized goods and services to deserving recipients, the
best solutions to this problem are to establish subsidized commodities and
services banks and to create an expenses-income identification card, or
SCS card.
(9) Every person belonging to a specific economic class can charge his
SCS card with specific subsidized points by using the Subsidized
Commodities and Services Banks, also known as SCS banks, which have
subsidized points for all economic classes. As previously mentioned, this
bank has its own regulations and rules that adjust fairly the distribution of
subsidized points among economic classes. Each class has a specific type
of subsidized points and a specific number of subsidized points. The main
guidelines in SCS's banks are: everyone can switch from one type of
subsidized points to another; everyone can transfer subsidized points to
another one; and there are maximum and minimum subsidized points for
each person belonging to a particular economic class, additionally, a
"inflation factor" rule that adjusts the value of subsidized points in
accordance with the rate of inflation.
(10) The many tools that SCS'bank has available for the subsidization
process fall into three categories: software, managerial, and logistical
tools.
(11) The SCS's bank has a number of tools at its disposal that allow
people to use subsidized points as intended. The first type of tool is
managerial, and it consists of numerous government-run agreements with
businesses and service providers. Government services are exchanged for
subsidized points under these protocols.
(12) The SCS bank must have many technological tools that aim to
coordinate and organize the SCS bank's processes. These tools are: (1)
SCS bank's information systems, (2) accounting software.
(13) The two categories of these logistical tools are Mobile SCS bank and
SCS bank application. This technological ability is for economic classes
who have technological experience and can use the mobile apps to get
their interests. Rather than being designed for use on desktop or laptop
computers, the SCS' bank mobile app (or mobile application) is a
software programme created specifically for use on small, wireless
computing devices like smartphones and tablets to charge the SCS' card
monthly by selecting a suitable subsidization equation, which displayed
in the SCS' app.
(14) The Ministry of Planning and Economic Development, the Ministry
of Social Solidarity, and the Council of Ministers' Information and
33
Decision Centre are the three primary partners with which the SCS bank
works. The first step will be completed by the Council of Ministers'
Information and Decision Centre, which will produce numerical and
static reports to identify the names and numbers of the five economic
classes (A, AB, B, C, and D). Each party has its own procedure.
(15) The Ministry of Social Solidarity will handle the second operation,
which entails producing reports outlining the demands and specifications
of every economic class. The Ministry of Planning and Economic
Development will handle the third operation, which entails initiating
protocols with relevant organizations to fulfill the necessary subsidized
points for every economic class.
REFERENCES:
Ahmed, Akhter U., B. Howarth, T. Gutner, and H. Lofgren (2001) The
Egyptian Food, Subsidy System: Structure, Performance, and Options for
Reform, Research Report, 119, IFPRI, Washington, D.C
B. Boris (1995) Black-Box Testing: Techniques for Functional Testing of
Software and Systems, , ISBN 0-471-12094-4, https://en.wikipedia.org
/wiki/ Special:BookSources?isbn=0-471-12094-4 , retrieved 8.6.2022
CFI Team, (2022), Consumer Products, corporate finance institute (CFI)
,https://corporatefinanceinstitute.com/resources/economics/consumer-
products , retrieved 9.12.2022
Calbreath, Dean (2010), "Hidden economy a hidden danger". Union–

Tribune San Diego, online; https://www.sandiegouniontribune.com
/search?q=+Calbreath%2C+Dean%2C+Hidden+economy+a+hidden+dan
ger&s=0 , Retrieved 14 July 2023.
Cambridge dictionary, non-subsidized definition, online:

https://dictionary.cambridge.org/dictionary/english/non-subsidized,
Retrieved 14 July 2023
Collins dictionary (2023), a hierarchy definition, online;

https://www.collinsdictionary.com/ dictionary/english/hierarchy ,
Retrieved 28 Sept 2023
Economic Services Administration (ESA), (2022), About Economic
Services Administration, https://www.dshs.wa.gov/esa/about-economic-
services-administration , retrieved 23.12.2022
34
G. Scott, (2022), Subsidies: Definition, How They Work, Pros and Cons,
THE INVESTOPEDIA TEAM, https://www.investopedia.com
/terms/s/subsidy.asp , retrieved 6.4.2023
Indeed Editorial Team, 2022, What Are Economic Services? (Types and
Examples), https://www.indeed.com/career-advice/career-development/
what-are-economic-services , retrieved 23.12.2022
J. Fernando, (2022), what you need to know about the purchasing power
of money and how it changes, investopedia,
https://www.investopedia.com/terms/i/ inflation.asp., retrieved
25.11.2022
M. Kumar Choubey (2012) IT Infrastructure and Management (For the

GBTU and MMTU), https://www.amazon.in/Infrastructure-Management-
GBTU-MMTU/dp/B0072HZUKY , retrieved 8.6.2022
M.Vannetzel, (2020), The Invisible Transformations of the Food Subsidy

System in Egypt, alternative policy solutions,
https://aps.aucegypt.edu/en/articles/31/the-invisible-transformations-of-
the-food-subsidy-system-in-egypt , retrieved 6.4.2023
Nibusinessinf (2023), hierarchical-organizational-structure definition,

online; https://www.nibusinessinfo.co.uk/ content/hierarchical-
organisational-structure , Retrieved 28 Sept 2023
Our economy, 2023, Socio-economic class: How do we define class?

online, https://www.ecnmy.org/learn/your-society/status-in-society/socio-
economic-class/ , Retrieved 18 Aug 2023
P. Chris (2004), Late Industrializers' and the Development of the Welfare
State, Social Policy in a Development Context, London: Palgrave
Macmillan UK, pp. 215–245, doi:10.1057/9780230523975_10, ISBN
978-1-4039-3661-5, retrieved 2021-06-01
P. D. Bruza,. van der Weide, Th. P. (1990) Assessing the quality of
hypertext views ACM SIGIR Forum. 24 (3): 6–25.
doi:10.1145/101306.101307. ISSN 0163-5840. S2CID 8507530.,
https://dl.acm.org/doi/pdf/10.1145/101306.101307 retrieved 8.6.2022
Sh.Chaluvadi (2022), Inflation Meaning, scripbox,
https://scripbox.com/pf/inflation/ , retrieved 9.12.2022
S. Jeremy; N. Nicoli (2015), "The Welfare State, Public Services and the
'Social Wage'", Developmental Pathways to Poverty Reduction, London:
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Palgrave Macmillan UK, pp. 162–184, doi:10.1057/9781137452696_7,
ISBN 978-1-349-56904-5, retrieved 2021-06-02
36
INDEX OF FIGURES
Index of figures
Number of figure Name of figure
Figure 1 The legend figure for the proposed conceptual model
Figure 2 The legend figure for conclusions of irrational consumption from the
upper middle and middle classes
Figure 3 The legend figure for equation that explains the relationship between the
irrational consumption of the upper middle and middle classes and the
inflation
Figure 4 The legend figure for poorly distribution economically for subsidized
goods and services phenomenon
Figure 5 The legend figure for economic class cling behavior
Figure 6 The legend figure for the SCS card as a direct touchable channel that
enables a citizen to feel economic development in his country
Figure 7 The design of SCS card
Figure 8 The hierarchy of SCS banks
Figure 9 The SCS banks equation
Figure 10 The legend figure for SCS bank' system black box
Figure 11 The legend figure for (SCS) bank' context Diagram
Figure 12 The legend figure for (SCS) bank 'Data Flow Diagram
Figure 13 The design of SCS 'bank application
Figure 14 The design of Mobile SCS 'bank
Figure 15 The design explains a role of SCS' subsidized points departments
37
INDEX OF TABLES
Index of tables
Number of table Name of table
Table 1 The classifications of economic categories in developing countries
Table 2 The examples of rules governing the distribution of subsidized goods and
services in developing countries
Table 3 The subsidized point's equation for class (C)
Table 4 The subsidized point's equation for class (BC)
Table 5 The subsidized point's equation for class (B)
Table 6 The subsidized point's equation for class (AB)
Table 7 The subsidized point's equation for class (A)
Table 8 The four departments of SCS banks
exemption, and governmental commodities
exemption, and governmental services
Table 11 Governmental program that offers subsidized points in exchange for
insurance benefits
38
TABLE OF CONTENT
1. INTRODUCTION……………………………………………………3
1.1 The types of products, and services in developing countries………3
1.1.1 Subsidized commodities and services………………………...5
1.1.2 Non-subsidized commodities and services……………………6
1.2 The types of economic classes in developing countries…………….6
1.3 The Consumers' consuming culture in developing countries……….7
1.4 Consumers' irrational consumption behavior……………………….7
2. METHODOLOGY…………………………………………………...9
3. RESULTS AND DISCUSSION…………………………………….10
4. SOLUTION OF PROBLEM……………………………………….12
4.1 The definition of an SCS card…………………………………….12
4.2 The design of The SCS card………………………………………17
4.3 The definition of subsidized commodities and services banks....…18
4.3.1 The meaning of services as a currency………………………19
4.3.2 The meaning of commodities as a currency…………………19
4.3.3 The meaning of demurrage and loan interest, as a currency...20
4.3.4 The meaning of NGO' financial donation, as a currency……20
4.4 The departments of SCS's bank………………………………….20
4.5 The hierarchy of SCS banks……………………………………...21
4.6 Subsidization tools available in SCS's bank…………………….. 22
4.6.1 Managerial tools…………………………………………….22
exchange for tax exemption, and governmental commodities…...23
exchange for insurance benefits…………………………………26
39
4.6.2 Technological tools…………………………………………27
4.6.2.1 The information system of SCS bank…………………….27
4.6.2.2 System black box……………………….………………..27
4.6.2.3 Context Diagram…………………………………………28
4.6.2.4 Data Flow Diagram……………………………………...28
4.6.2.5 The programs of subsidized points department…………..29
4.6.3 Logistic tools……………………………………………….29
4.7 How does an SCS card and subsidized commodities and services
banks work…………………………………………………………..30
4.7.1 The operations of Council of Ministers' Information and
Decision Centre……………………………………………………30
4.7.2 The operations of Ministry of Social Solidarity……………..30
4.7.3 The operations of the Ministry of Planning and Economic
Development………………………………………………………31
4.7.4 The operations of subsidized points departments……………31
5. CONCLUSION……………………………………………………..32
REFERENCES…………………………………………………….34
INDEX OF FIGURES………………………….…………………37
INDEX OF TABLES……………………………………………..38
TABLE OF CONTENT…………………………..……………….39
41

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THE CARD OF SUBSIDIZED

COMMODITIES AND SERVICES

"HUMANITY'S CIVILIZED SHAPE"

Dr. Safaa Fatouh Gomaa

"HUMANITY'S CIVILIZED SHAPE"

Dr. Safaa Fatouh Gomaa

DATA AVAILABILITY STATEMENT

Research data are not shared

Dr. Safaa Fatouh Gomaa, Doctorate in law-University of Mansoura ,

Type of class The definition of economic class

Table 1 The classifications of economic categories in developing countries

1.3 The Consumers' consuming culture in developing countries:

Prices of subsidized commodities Prices of Non- subsidized

The best solution to this problem is to create an Expenses-Income ID'

Also, as a researcher illustrated previously, THE SCS CARD IS AN

Economic class type (C)

Table 4 the subsidized point's equation for class (BC)

Table 6 The subsidized point's equation for class (AB)

Economic class type (A)

Figure 7: the design of SCS card

4.3 The definition of subsidized commodities and services

Departments of SCS's bank

4.5 The hierarchy of SCS banks: A hierarchy is a system for classifying

Figure 8 : the hierarchy of SCS banks

4.6 Subsidization tools available in SCS's bank: SCS'bank has many

Figure 9 : the SCS banks equation

4.6.1.1 A governmental program that offers subsidized points in

Governmental programs in conjunction with a series of branded goods stores

Readymade garment factories 40 Value of provided free 40000 subsidized points

Governmental protocols in conjunction with a series of branded services

: one subsidized point= 1500 d pounds iscount in housing services

: one subsidized point= 500 pounds discount in gas supplies

: one subsidized point= 100 pounds discount in electricity, and water'

Communication services 15 communication 5 million 50000 subsidized points

4.6.1.2 A governmental program that offers subsidized points in

Figure 13 The design of SCS 'bank application

The majority of economic classes in classes (C) and (BC) lack

Figure 14 The design of Mobile SCS 'bank

4.7.1 The operations of Council of Ministers' Information

4.7.2 The operations of Ministry of Social Solidarity: Three

4.7.3 The operations of the Ministry of Planning and

4.7.4 The operations of subsidized points departments: This

Figure 15 The design explains a role of SCS' subsidized points departments

Calbreath, Dean (2010), "Hidden economy a hidden danger". Union–

Cambridge dictionary, non-subsidized definition, online:

Collins dictionary (2023), a hierarchy definition, online;

M. Kumar Choubey (2012) IT Infrastructure and Management (For the

M.Vannetzel, (2020), The Invisible Transformations of the Food Subsidy

Nibusinessinf (2023), hierarchical-organizational-structure definition,

Our economy, 2023, Socio-economic class: How do we define class?

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