Miracle-dz/UniFAR-FTUs huggingface dataset:
The Effect of Religiousity in Choice of Saving in Sharia Banks Using Multinominal Logistic Approach

The aim of the research is to analyze the effect of religiosity on the choice of saving in Sharia banking in Madiun. This type of research is explanatory research using survey research design. The subjects of this study were Sharia and conventional banking customers in Madiun. The samples used in this study were 685 samples using purposive sampling technique. The analysis technique used in this study is multinominal logit. The results of this study indicated that religiosity affects the probability of the customer's choice to save in Sharia banking is lower than saving together in a sharia and conventional bank and only saving in conventional bank. This shows that religiosity influences the probalility of saving only in Sharia banking dominated by emotional religious ideological mindset rather than economic rational mindset of customer.
Cross-linguistic influence in multilingual contexts: the processing and acquisition of L3 english datives by cape verdean-portuguese bilinguals

The present dissertation investigates the processing and acquisition of L3 English dative constructions by adult Cape Verdean (L1CVC) Portuguese (L2EP) bilinguals at beginner and intermediate L3 English proficiency levels. Through the use of two syntactic priming tasks (an off-line picture description task and an online self-paced reading task), a translation task, and a questionnaire, three studies, distributed into three modalities (reading, oral production, and written production), tapped into implicit (for intermediate proficiency participants) and explicit (for beginner proficiency participants) cognitive processes mediating participants’ transition from the non-alternating dative constructions in the L1CVC (only accepts double-object) and in the L2EP (only accepts prepositional object) to the alternating L3 English dative forms. The syntactic priming tasks aimed primarily at finding out whether crosslinguistic syntactic priming occurred across the two language pairings (L1CVC-L3English; L2EP-L3English) at the implicit level and, if so, investigating the possible sources of priming effects. The questionnaire inquired participants about their source language preference to support L3 English learning. This information was first analyzed qualitatively and then quantitatively against participants’ answers in the translation task to verify whether their actual use of English dative constructions in writing was better informed by their expressed language preference or by either stimulus language (L1CVC or L2EP) used in the text they were asked to translate. The results of all three studies show that at least one of the languages used as stimulus consistently subserve processing strategies in the target language and function as a better predictor of the processing of dative constructions in L3 English than previous language preference, at both implicit and explicit levels. The two syntactic priming studies produced priming effects between L1CVC and L3 English suggesting interaction between their syntactic representations. No priming effects were found between the L2EP and the L3 English. The syntactic priming effects found provide support for the shared syntax account as well as for the implicit learning account. The translation task findings provide evidence for the Typological Primacy Model and against the L2 Status Factor. Some pedagogical implications are discussed in relation to the findings towards the end of the dissertation.
Wireless location determination using spatial signature Information

A method for determining locations of mobile transmitters in a wireless communication system calculates a signature from signals received at an antenna array from the mobile, and matches the signature with calibrated signatures stored in a database to estimate the location of the mobile. The signature contains information characterizing the spatial channel between the mobile and the antenna array. An apparatus (112) implementing the method comprises an antenna array (116) and multi-channel receiver (118) for coherently receiving multi-dimensional signal vectors from a mobile transmitter. A processor (120) calculates a signal signature from the received signal vectors, which compared with calibrated signatures stored in a memory (122) to identify calibrated signatures that are similar to the calculated signature, and which corresponds to the likely locations of the mobile transmitter. Thus, the location of the transmitter can be accurately determined from the signals received at a single base station, even in a severe multipath environment.
Blended skills and future roles of librarians

Purpose The purpose of this paper is to identify insightfully future roles and skills required by librarians to meet the ever changing users’ need in the modern library landscape. Design/methodology/approach The study adopted a qualitative approach. It deployed the Delphi technique and other knowledge elicitation techniques, such as systematic literature review, in-depth key informants interviews, formal and informal discussions, and own experience. Data collection was quitted when it reached to the theoretical saturation. Content analysis was used to analyze the gathered data. Triangulation of methods was also employed to complement one another, and enhance the credibility and validity of the results. Findings The findings of the study revealed that some of the roles and skills required by librarians are evolutionary, while others are revolutionary, but the ultimate future role of librarians is to change knowledge revolution into society (to create informed society) through re-socializing and shaping the young generations. The result also confirmed that a synergy of passion, knowledge, skills and cultural intelligence yield blended librarians that fit the future library landscape. To be a librarian is more than just equipped with knowledge and skills; it requires passion and solid discipline. For librarians, unlearning is equally relevant skills like learning. Originality/value Instead of the usual skills assessment, this study approached it in a new perspective and divulged a synergy of passion, knowledge, skills, cultural intelligence, professionalism, and discipline as essential assets for the twenty-first century librarians.
Pay, Employment, and Dynamics of Young Firms

Why do young firms pay less? Using confidential microdata from the US Census Bureau, we find lower earnings among workers at young firms. However, we argue that such measurement is likely subject to worker and firm selection. Exploiting the two-sided panel nature of the data to control for relevant dimensions of worker and firm heterogeneity, we uncover a positive and significant young-firm pay premium. Furthermore, we show that worker selection at firm birth is related to future firm dynamics, including survival and growth. We tie our empirical findings to a simple model of pay, employment, and dynamics of young firms.
Environmental Hazards and Risk Management in the Financial Sector: A Systematic Literature Review

We conduct a systematic literature review on environmental and climate related risk management in the financial sector. The systematic literature review identified a total of 36 relevant articles. A formal coding leads to the aggregation and classification of papers to three main categories that consider the impact of environmental concerns on financial risk, the current state of environmental risk practices in the finance sector, and lastly measures to assess those risks within financial institutions. Our results put forward the risk reduction for financial institutions which highly commit with environmental responsibility and performance. More importantly, investors' increase in awareness and willingness to assess climate-related financial risk would incentivize corporate managers to adopt more proactive environmental policies and practices. These findings also allow for intriguing discussions about several alleys for future research.
Profitability drivers of Islamic banks: A global panel investigation

This paper analyzes the profitability of 108 Islamic banks operating across 35 countries over the period 2005-2015 using the GMM estimator technique. We investigate the global panel of Islamic banks under various economic conditions. We study how bank specific factors and macroeconomic conditions impact bank profitability, measured by the return on average assets (ROAA), the return on average equity (ROAE), and the net interest margin (NIM), under different banking environments. The paper investigates the factors that affect the profitability of Islamic banks. The results reveal that bank size, credit risk, CIR, and deposit growth rates have a negative impact on profitability, while bank age, capital adequacy, and liquidity risk positively affect profitability. Moreover, our analysis show that macroeconomic factors measured by GDP growth rates and inflation have a positive impact on profitability. These findings suggest that, based on the current financial reporting system, Islamic banks resembles conventional banks in terms of profitability determinants. JEL classification: G20; G21; Z12
THE ROLE OF ATTITUDE TOWARDS INTERNET OF THINGS (IOT) IN RELATION TO TECHNOLOGY ACCEPTANCE MODEL IN THAILAND

The objectives of this study is to investigate the Technology Acceptance Model (TAM) which derives from following factors: Perceived Ease of Use, Perceived Usefulness, Attitude towards Internet of Things, and Continuance intention to use who use products from Internet of Things in Thailand. The researchers applied the quantitative method to 272 users who bought products from Internet of Things and analyzed in term of frequency, mean and Structural Equation Model (SEM) analysis by AMOS. The research findings indicated that Perceived Ease of Use, Perceived Usefulness, Attitude towards Internet of Things had significantly positive influence to Continuance intention to use (p < .05). PEOPLE: International Journal of Social Sciences ISSN 2454-5899 78
How Do Informal Social Networks Impact on Labor Earnings in Turkey?

Enformel sosyal cevre, hem talep hem de arz yonlu emek piyasasi kararlari ile ilgili etkili olan belirgin faktorlerden biridir. Ozellikle Turkiye gibi gelismekte olan ulkelerde, enformel sosyal cevrenin emek piyasasi uzerinde etkisi soz konusudur. Fakat, bu konunun onemine ragmen, Turkiye ozelinde enformel sosyal cevrenin etkileri ile ilgili yeteri boyutta tartisma literaturde yer almamaktadir. bu baglamda, literaturde yer alan bu boslugu doldurabilmek icin, bu calismada, enformel sosyal cevrenin etkilerinin tahmin edilebilmesi icin kantil regresyon analizi uygulanmistir. Kantil regresyon analizi farkli kantilerdeki etkilerin aciga cikarilmasini saglamaktadir. 2004-2016 donemine ait Hanehalki Isgucu Anketleri kullanilmistir. Elde edilen bulgulara gore, enformel sosyal cevre araciligiyla is bulmanin ucret duzeyi uzerinde negatif etkisi soz konusudur. Bununla birlikte, isgucu kalitesinin ve firma getirisinin dusuklugunun toplam uretkenligi azalttigina dair sonuclar elde edilmistir.
Awareness and knowledge of insurance and Takaful in India: A survey on Indian insurance policy holders

India is a country with the second highest Muslim population after Indonesia and the second largest populated country in the world after China. Since 1818 during the colonization period, insurance was introduced in India. Nowadays, the Indian insurance industry is growing fast. Despite being the second largest Muslim populated country, there is no Takaful (Islamic insurance) products offered in India. Thus, this paper aims to examine the insurance policy holders’ awareness and knowledge of insurance and Takaful in India. The findings show that the non-Muslim insurance policy holders are not aware that insurance practice involves interest, uncertainty and gambling. Similarly, the majority of non-Muslims do not think that insurance practice should be prohibited based on their religious teachings. Interestingly, the majority of respondents have not heard about Takaful. On the contrary, the majority of Muslim know that insurance practices have interest, uncertainty and gambling, and at the same time they think that conventional insurance should be prohibited based on religious teachings. The majority of both Muslims and non-Muslim respondents believe that ethics is important in the insurance practice. It can be concluded that awareness and knowledge of Takaful in India is very low. It might be the main reason why Takaful has not been introduced in India yet
Profitability Of Dividend Payers

Most of the firms are looking for profits as their main objective which make them develops strategies to get the target profit. In circumstances that firms get the target profit, then normally they shall distribute the earnings as dividends to shareholders. The objective of this study is to provide an empirical finding about profitability between firms namely higher dividend payers and lower dividend payers. This study uses data of listed firms in period of 2010 to 2016 which drawn from Indonesia Stock Exchange. This study uses 146 listed firms in period of 2010 to 2016 which gives 1022 as total observe data. In term of hypothesis testing, this study uses mean difference test. This study finds that firms with higher dividends have better profitability rather than the lower which means this study accepts the hypothesis that higher dividend payers have better profitability.
The effect of gender and spatial abilities on map use preferences and performance in road selection tasks

In this study, we investigate the effect of individual and group differences on the efficiency and effectiveness of map-based decision making under varying map use contexts. Specifically, we examine potential interrelationships between spatial ability (individual difference) and gender (group difference) for a map-based road selection task under varying time pressure scenarios. We first report on the results of an experiment involving human map display and map interaction tool preferences, based on people’s background differences. This is followed by results from a second experiment where we assessed participants’ response accuracy and confidence for the same map use context and tasks. We indeed find significant relationships between user background, map type, and inference making tasks. We also replicate the known phenomenon of male over-confidence in spatial decision-making, specifically for a road selection task under severe time pressure. Our results also demonstrate that commonly used classification and aggregation methods to study participant backgrounds can influence the outcomes of empirical map use studies and their respective interpretations.
The Written Expression Performance of Students with Hearing Loss: Results from an Implementation of the Auditory-Oral Approach.

Written expression skills play an important role in the development of the linguistic, academic and social skills of individuals from their school years onwards. The aim of this study was to evaluate the written expression performance of hearing-impaired students who receive auditory-oral education, and examine the student characteristics that affect performance. The study participants were 36 fourth, sixth, seventh and eighth grade students with hearing loss. The results of the study show that students received a mean total score of 60.59 out of 100 for written expression. Chronological age explained 26% of the variance in written expression, age at the first hearing aid fitting explained 43% and 20% was explained by the duration of preschool education. The results indicated that in addition to school education, early identification and early intervention affect the written expression performance of school-age students with hearing loss.
Corporate Governance Mechanisms and Supplementary Commentary on the Primary Financial Statements = آليات حوكمة الشركات والإفصاحات التكميلية المتعلقة بالقوائم المالية الأساسية

تبحث هذه الدراسة أثر مجلس الإدارة ولجنة التدقيق على عائد السهم . استخدم نموذج (Fama and French Three Factor model) لتقدير عائد السهم. أيضا، تم إستخدام مجلس الإدارة ولجنة التدقيق لقياس آليات حوكمة الشركات. وتطبق هذه الدراسة التحليل الأساسي على الشركات الأردنية المالية المدرجة في سوق عمان المالي خلال الفترة 2007 إلى 2012. وأوضحت نتائج الدراسة إلى أن هناك علاقة ذات دلالة إحصائية بين عائد السهم وكل من مجلس الإدارة ولجنة التدقيق. يوصي الباحثان إلى التقليل من عدد أعضاء مجلس الإدارة في الشركات الأردنية المالية، وضبط نسبة المديرين الخارجيين وغير التنفيذيين في كل من مجلس الإدارة ولجنة التدقيق.
Selection of relevant features for audio classification tasks

Advances in time-frequency distributions and spectral analysis techniques (i.e., for the estimation of amplitude and/or frequency modulations) allow a better representation of non-stationary signals like speech, highlighting their fine structure and dynamics. Although such representations are very useful for analysis purposes, they complicate the classification tasks due to the large number of parameters extracted from the signal (“curse of dimensionality”). For such tasks, a significant dimensionality reduction is required. In this thesis, the problem of dimensionality reduction of these time/frequency-frequency representations is studied; selection criteria of the optimal parameters are suggested, based on their relevance to a given classification task. Relevance is defined based on mutual information. First, using tools from multilinear algebra, such as High Order SVD, the initial dimensions and the noise components of the representation are reduced. Then, feature selection proceeds based on maximum relevance criterion. It is shown that the suggested process is equivalent to the maximum dependency criterion for feature selection, without, however, the need of the multivariate probability densities estimation. The feature selection approach suggested in the thesis is applied on a number of audio classification tasks, including speech detection in broadcast news and voice pathology detection and discrimination from vowel recordings. The complementarity of the modulation spectral features to the state-of-the-art Mel frequency cepstral coefficients is shown for the above classification tasks. A system for the automatic discrimination of pathological heart murmurs using a high resolution time-frequency analysis of the phonocardiogram (PCG) is also presented. The classification accuracy of the system is comparable to the diagnostic accuracy of experienced paedo-cardiologists on the same PCG dataset.
Kalibiru Ecotourism: The Implementation of Sustainable Development in Rural Kulon Progo, Yogyakarta

The purpose of the article is for evaluating strategies of the developing Kalibiru destination. Since has been established by communal forest farmers association in 2010, the visitor arrivals growing up until 2016. However, the performance tends to down in 2017. Therefore, the managing of ecotourism in Kalibiru needs to evaluate the competitiveness of attraction in the destination. SWOT and QSPM analysis were used to make the decisions and suggest strategies planning in ecotourism sector. The results find that the implementation of sustainable development in Kalibiru was frugal. Thus, to improve competitiveness, the manager should be able to use the output of SWOT and QSPM approach as a tool for managing destination and promoting sustainable development. Determining the strategies should not be in contradiction to regulation in Kulon Progo. The choice of decision must consider the priority of duration, with specialization in the short, medium, or long term. By using these strategies, the Kalibiru developers can pay attention to the stability of the triple bottom line strategy. Thereafter, they are able to maintain the competitiveness and to achieve target number of visitors at the Kalibiru destination.
Are Online Job Postings Informative to Investors?

Human capital is a key factor in value creation in the modern corporation. Yet the disclosure of investment in human capital is scant. We propose that a company’s online job postings are disclosures made outside of the investor-relations channel that contain forward-looking information that could be informative to investors about future growth. We find that changes in the number of job postings are positively associated with changes in future performance and that this relation is stronger when postings likely represent growth rather than replacement. Consistent with job postings providing new information to the market, investors react positively to changes in the number of job postings. The market reaction to postings is stronger when firms are likely to be hiring for growth rather than replacement and for firms with low labor intensity (and therefore high marginal productivity of labor). This paper was accepted by Brian Bushee, accounting.
PENGARUH PROFITABILITAS, LEVERAGE, SIZE DAN KEBIJAKAN DEVIDEN TERHADAP NILAI PERUSAHAAN

Penelitian ini bertujuan untuk menganalisis Pengaruh Profitabilitas, Leverage, Size, dan Kebijakan Dividen terhadap Nilai Perusahaan. Obyek penelitian adalah perusahaan manufaktur. Teknik pengambilan sampel dipilih secara purposive sampling. Sampel penelitian terdiri atas 61 perusahaan terdaftar di bursa efek indonesia (BEI) dengan periode pelitian sebanyak 5 tahun yaitu tahun 2012-2016. Metode analisa yang digunakan dalam penelitian ini adalah regresi linier berganda dengan menggunakan aplikasi E-views 8. Pada Hasil penelitian ini menunjukkan bahwa (1) profitabilitas berpengaruh positif pada nilai perusahaan; (2) leverage berpengaruh negatif pada nilai perusahaan; (3) ukuran perusahaan tidak berpengaruh pada nilai perusahaan; (4) kebijakan dividen berpengaruh positif pada nilai perusahaan
STRATEGIC MANAGEMENT PRACTICES AND ORGANIZATION PERFORMANCE OF DEPOSIT TAKING SACCOS IN KERICHO COUNTY

Purpose: The objective of this study was to assess the influence of strategic management practices and organization performance of deposit taking SACCOs in Kericho county.Methodology: The study was based on a descriptive research with population of the study being sampled from DT-SACCOs in Kericho County. The study adopted a census sampling technique; thus, the sample size for the study was 80 personnel drawn from the 8 SACCOS operating in Kericho County. The study further utilized primary and secondary data. The research relied on questionnaires in collecting primary data. The study used SPSS 24 in the analysis. The data was analyzed using means, standard deviation, correlation matrix and regression models. This was presented using charts, figures and tables.Results: The findings of the research indicated that there is a positive effect of strategic management practices on the organization performance. The correlation results indicated that employee competency and organization structure had a strong effect on the performance of the SACCOs.Distinctive contribution to theory, practice and policy contribution: The study recommends that the organization should strive to enhance the professional development of the staff members as this will enhance the overall employee productivity. The research further recommends that the financial institutions should engage the personnel in