Miracle-dz/UniFAR-FTUs huggingface dataset:
KEBIJAKAN PEMBERIAN KREDIT KEPADA DEBITUR BANKALTIM

The phenomenon in this study is how the influence of internal factors bankaltim including credit risk by proxy Non Performing Loan (NPL), Third Party Funds, Liquidity by proxy Loan to Deposit Ratio (LDR), as well as the level of business efficiency by using the proxy Operating Cost to Revenue operations to the volume of lending to the debtor. Tools statistical test used SPSS version 21 and Ms.Kingsoft 2014. While the data used is secondary data and time series data types in the form of financial ratios related to the vulnerable period of 20 08 - 201 5 . The statistical method used to test the hypothesis that Test Classical assumptions, and multiple linear regression analysis. The conclusion of this study is the variable Non Performing Loan (NPL) and variable Operating Expenses to Operating Income respectively negatively affect the volume of lending, while variable Third Party Fund and variable Loan to Deposit Ratio (LDR) have a positive influence on the volume of lending. The implications of this study are expected bankaltim as a regional bank in East Kalimantan can optimize its lending volume and can maximize Third party funds and maintain financial ratios in accordance with Ban kÂindonesia. Keywords: Volume of Credit, Non Performing Loan (NPL), Third Party Fund (DPK), Loan to Deposit Ratio (LDR) and Operating Cost to Operating Income BOPO)
Trust and Delegated Investing: A Money Doctors Experiment

A recent theory by Gennaioli, Shleifer, and Vishny (2015) proposes that trust is an important component for delegated investing. This paper tests the theory in a laboratory experiment. Participants first play a trust game. Participants then act as investors who have to make two separate, delegated investment decisions. Using the amount returned in the trust game as measure of trustworthiness, we show that investors are willing to take substantially more risk when a money manager is more trustworthy, even if this manager charges higher costs. The willingness to take more risk and pay higher costs is increasing in the difference in trustworthiness of the two money managers. This finding is robust to different specifications of the difference in trustworthiness.
Distribution and ecology of mosquitoes in a focus of dirofilariasis in northwestern Iran, with the first finding of filarial larvae in naturally infected local mosquitoes

A study of the distribution and ecology of mosquitoes (Diptera: Culicidae) in Ardebil Province of northwestern Iran, with special reference to the known dirofilariasis focus in Meshkinshahr County, was carried out in July‐August 2005 and April‐October 2006. In total, 17 533 adult mosquitoes and 3090 third‐ and fourth‐instar larvae were collected on 14 occasions and identified using morphological characters and DNA sequence data. Twenty species belonging to seven genera were found: Anopheles claviger (Meigen), An. hyrcanus (Pallas), An. maculipennis Meigen, An. pseudopictus Grassi*, An. sacharovi Favre, An. superpictus Grassi, Aedes vexans (Meigen)*, Coquillettidia richiardii (Ficalbi)*, Culex hortensis Ficalbi, Cx. modestus Ficalbi, Cx. pipiens Linnaeus, Cx. theileri Theobald, Cx. torrentium Martini*, Cx. tritaeniorhynchus Giles, Culiseta longiareolata (Macquart), Cs. annulata (Schrank)*, Cs. subochrea (Edwards), Ochlerotatus caspius (Pallas) s.l. * (= Aedes caspius sensu auctorum), Oc. geniculatus (Olivier)* (= Aedes geniculatus sensu auctorum) and Uranotaenia unguiculata Edwards (asterisks indicate new occurrence records for the province). The most prevalent species in adult catches were An. maculipennis (52%), Cx. theileri (45%) and Cx. hortensis (1%); the most prevalent species caught as larvae were Cx. theileri (27%), Cx. hortensis (21%) and An. maculipennis (19%). Anopheles maculipennis, Cx. pipiens and Cx. theileri were most widely distributed in the province. The occurrence of Cx. torrentium in Iran is verified based on differential characters of fourth‐instar larvae. Anopheles maculipennis and An. sacharovi of the Maculipennis Group were identified from their diagnostic ITS2 sequences. For the first time, cytochrome c oxidase I (COI) sequences were obtained from Iranian specimens of An. hyrcanus, An. pseudopictus, Cx. theileri and Oc. caspiuss.l. Culex theileri and An. maculipennis were found naturally infected with third‐stage (infective) larvae of Dirofilaria immitis (Leidy) and Setaria labiatopapillosa (Alessandrini) (Spirurida: Onchocercidae), respectively, for the first time in Iran.
Inhibition of Dental Erosion by Casein and Casein-Derived Proteins

The application of milk-derived proteins such as casein as anti-erosion agents in oral healthcare products is of current interest. The aim of this study was to investigate the potential of 3 commercially available, milk-derived proteins as agents to inhibit enamel erosion. Aqueous solutions of 0.5% w/v casein, casein phosphopeptide (CPP) or glycomacropeptide (GMP) with and without 300 ppm fluoride (F, as NaF) were investigated with regard to enamel softening and tissue loss, in comparison with a deionised water (DIW) negative control and 300 ppm F positive control. Casein and F reduced enamel surface softening compared to DIW, but CPP and GMP did not (DIW: 58.2% reduction in hardness; F: 13.3%; casein: 21.8%; CPP: 50.8%; GMP: 62.4%). Similar results were obtained with solutions containing protein and F, and the effects were statistically indistinguishable from protein alone (casein + F: 19.1%; CPP + F: 48.2%; GMP + F: 66.1%). By contrast, all protein solutions and F significantly reduced tissue loss (p < 0.050; DIW: 25.8 µm tissue loss; F: 21.6 µm; casein: 20.3 µm; CPP: 20.5 µm; GMP: 20.0 µm). Solutions containing protein and F reduced erosion more than protein alone, but this difference was only significant from protein alone for casein (casein + F: 12.2 µm; CPP + F: 17.3 µm; GMP + F: 18.2 µm). Casein and casein-derived proteins may therefore have the potential to act as agents to reduce or prevent enamel erosion. Furthermore, the erosion-reducing efficacy is not reduced by F, and is in some cases enhanced.
Patterns of Psychotropic Medication Use Among Patients with Severe Depression Referred for Electroconvulsive Therapy: Data from the Consortium for Research on Electroconvulsive Therapy

Abstract: Most studies of trends in antidepressant pharmacotherapy have focused on relatively mildly ill, nonpyschotic outpatients. In this report, we provide detailed information on psychotropic use among patients with unipolar depression participating in a large, multisite electroconculsive therapy (ECT) study. Adequacy of antidepressant medication trials was assessed with the Antidepressant Treatment History Form. Among patients with nonpsychotic depression, 27% (60/220) had not had an adequate trial of an antidepressant before ECT, and 63% (139/220) had had at least one inadequate trial. Surprisingly, 33% (79/243) of nonpsychotic patients had been prescribed an antipsychotic. Among patients with psychotic depression, 95% (101/106) had not been given an adequate combination of an antidepressant and antipsychotic agent, mostly due to low doses of the latter class. Among all patients in the trial, 61% (213/352) had been prescribed at least one benzodiazepine, and only 7% (24/352) had been given a lithium augmentation trial. Use of hypnotic agents and anticonvulsants was common. In conclusion, patients with severe depression referred for ECT with a unipolar depressive episode have high rates of psychotropic usage, much of which is inadequate.
Bayesian Nonparametric Nonproportional Hazards Survival Modeling

Summary We develop a dependent Dirichlet process model for survival analysis data. A major feature of the proposed approach is that there is no necessity for resulting survival curve estimates to satisfy the ubiquitous proportional hazards assumption. An illustration based on a cancer clinical trial is given, where survival probabilities for times early in the study are estimated to be lower for those on a high‐dose treatment regimen than for those on the low dose treatment, while the reverse is true for later times, possibly due to the toxic effect of the high dose for those who are not as healthy at the beginning of the study.
PENERAPAN GREEN ACCOUNTING DAN MATERIAL FLOW COST ACCOUNTING (MFCA)TERHADAP SUSTAINABLE DEVELOPMENT

This study aims to determine whether there is a relationship and influence between Green Accounting Implementation, Material Flow Cost Accounting (MFCA) to Sustainabale Development and Resource Eficiency as moderation. The sample used consists of five cement companies listed in Indonesian Cement Association in 2017. The method used in this research is purposive sampling. To measure Green Accounting Implementation, Material Flow Cost Accounting (MFCA) on Sustainabale Development and Resource Eficiency as moderation is used multiple analysis. The results show that Green Accounting Implementation, Material Flow Cost Accounting (MFCA) has a positive effect on Sustainabale Development and Resource Eficiency as moderation. Resource Efficiency strengthens the Implementation of Green Accounting and Material Flow Cost Accounting (MFCA) against Suistainabale development (SDv).
Synergism of mosquitocidal toxicity between CytA and CrylVD proteins using inclusions produced from cloned genes of Bacillus thuringiensis

The toxicity to mosquito larvae of the parasporal body produced by Bacillus thuringiensis subsp. israelensis and the PG‐14 isolate of B. thuringiensis subsp. morrisoni is at least 20‐fold greater than any of the four mosquitocidal proteins of which It is composed (CytA, CrylVA, B, and D). This high toxicity is postulated to be due to synergistic interactions among parasporal proteins. However, this remains controversial because values reported for the specific toxicity of individual proteins, especially the CytA protein, vary widely owing to the methods used to purify and assay toxins against larvae. In an attempt to resolve questions of purity, specific toxicity, and synergism, individual genes encoding the CytA and CrylVD toxins were cloned and expressed in acrystalliferous B. thuringiensis subsp. israelensis cells using the shuttle vector pHT3101. CytA and CryIVD inclusions were purified and their toxicity was determined alone and when combined at different ratios using bio‐assays against first instars of Aedes aegypti. The LC50 for the CytA inclusion was 60 ng ml−1, whereas the LC50 for the CryIVD was 85ng ml−1 In comparison, the LC50s for different combinations of CytA and CrylVD inclusions ranged from 12–15 ng ml−1, 4–5 times higher than the toxicity of either protein alone, demonstrating marked synergism between these two proteins. These results suggest that the high toxicity of the wild‐type parasporal bodies of B. thuringiensis subspp. israelensis and morrisoni Is due to synergism among three or four of their major proteins.
CIPP EVALUATION MODEL BASED ON MOBILE PHONE IN EVALUATING THE USE OF BLENDED LEARNING PLATFORMS AT VOCATIONAL SCHOOLS IN BALI

The purpose of this study was to obtain information about the platform most suitable for use in supporting the implementation of blended learning at vocational schools in Bali to determine the highest level of effectiveness on each platform in terms of components of context, input, process, and product by using CIPP evaluation model based of mobile phone. Using this model, the education evaluator can to evaluate the use of the platforms for blended learning at vocational schools in Bali as a whole from the component of context, input, process and product that will be able to provide appropriate recommendations to determine the selection of a suitable platform used for blended learning at vocational schools in Bali. Subjects in this study consisted of: managers of blended learning, students, and teachers. The method used in this study is an evaluative study, using the CIPP evaluation model. The results obtained in this study indicate that the highest level of effectiveness in the component of context amounted to 86.6% that used the Edmodo platform, the highest level of effectiveness in the component of input amounted to 87.2% that used the Edmodo platform, the highest level of effectiveness in the component of process amounted to 88.9% that used the Quipper School platform, and the highest level of effectiveness in the component of product amounted to 89.3% that used the Edmodo platform. The most suitable platforms used to support the implementation of blended learning at vocational schools in Bali is Edmodo Platform.
Norm regularization method and its application in radar azimuth super-resolution

The azimuth super resolution is a technique problem which has been explored for years in the field of radar. The L2 norm regularization method was used for the solution, because of the ill-condition encountered in the solution process. L1 norm regularization model was also established for the lack of L2 norm method and the sparse nature of the target signal. In order to improve the computational efficiency, L1 norm regularization model was transformed into semi-definite programming model which was solved by predictor-corrector primal-dual path-following method. The computer simulation for different signal-to-noise ratio(SNR) was made, the preliminary findings shows that both methods can distinguish the point targets, the performance of L1 norm regularization method is better under the same conditions, it has a strong noise adoptive ability, and the resolution is increased by 1.7 times, when SNR is 0dB.
Cloud Computing Implementation in The Public Sector: Factors and Impact

This study is to examine the assimilation of cloud computing by measuring the organization’s assimilation of cloud as well as performance in the Malaysian public sector. This study mainly integrates the Diffusion of Innovation Theory (DOI), Technology-Organization-Environment Framework (TOE) Human-Organization-Technology (HOT-fit) model and IS Success model to understand this issue. A total of 169 agencies from the Malaysian public sector have participated in this study. Data for all the study variables have been collected through self-administered survey questionnaires and analyzed using SEM-PLS. The study has shown that the effect of the operational effectiveness of cloud implementation is at the lower level. The study also reveals that only factors of technological, organizational and human characteristics are found to have a significant effect on cloud computing implementation. The results indicate that the model provides a good understanding of the factors that influence the implementation of cloud computing as well as operational performance.
Secondary voltage and reactive power support via smart inverters on a high-penetration distributed photovoltaic circuit

Long-established approaches exist for managing voltage and reactive power on the primary electric distribution systems; however, new methods that utilize newly available technologies are appearing. One emerging method is the use of smart inverters controlling distributed energy resources - such as distributed solar photovoltaics and batteries - to provide localized voltage and reactive power support. This paper reports on a real-world field demonstration project that utilized a portfolio of distributed smart inverters to provide localized secondary voltage and reactive power support on a San Diego Gas & Electric (SDG&E) distribution circuit. Voltage and reactive power support was achieved using two inverter control approaches: fixed power factor, and dynamic Volt-VAr control. The portfolio of distributed smart inverters was shown to modify voltage and reactive power on the secondary side of service transformers on a SDG&E distribution circuit.
Determination of sex from various measurements of human sternum and manubrium in Gujarat population

Background: Determination of sex from the skeletal remains is of immense importance in the field of forensic medicine, physical anthropometry and anthropology. Various previous studies have demonstrated sternum as an important tool for the determination of sex. Aims: Aim of the present study was to establish normal range of values for various dimensions of sternum in the studied population and evaluate the sexual dimorphism in the sternum. Material & Methods: The present study was conducted at M.P. Shah Govt. Medical College, Jamnagar on Computed tomography scans of a total of 83 adult Gujarati individuals (57 males, 26 females). Various sternal and manubrial linear measurements and indices were measured and analyzed. Results: It was found in the study that manubrial length, sterna length, manubrial width and combined length of manubrium and sternum were found to be larger in male and the difference was statistically significant. Among the various indices studied, none showed statistically significant difference between male and female. The combined length of manubrium and sternum was found to be the most accurate for determination of sex among all studied parameters, which accurately indentified 24.56% of sterna as male and 11.53% as female by the method of demarking point. Conclusion: The combined length of sternum and manubrium is the most reliable criteria for the determination of the sex of a sternum. Various indices, defined in relation to manubrium and sternum, were found to be non effective for the determination of sex of a sternum.
A Single Amino Acid Determinant Governs the Species-specific Sensitivity of APOBEC3G to Vif Action*

APOBEC3G (also known as CEM15) is an innate intracellular antiretroviral factor that is counteracted by the Vif protein of lentiviruses. While APOBEC3G orthologues from several species are active against a broad range of retroviruses, given Vif proteins have a narrow spectrum of activity. For instance, HIV-1 Vif efficiently blocks APOBEC3G from human but not African green monkey (AGM), whereas the reverse is observed with SIVAGM Vif. Here, we demonstrate that a single amino acid at position 128 of human and AGM APOBEC3G governs the virus-specific sensitivity of these proteins to Vif-mediated inhibition. Furthermore, we show that this phenotype correlates with the ability of Vif to bind APOBEC3G and interfere with its incorporation into virions. These results shed light on an important determinant of the tropism of primate lentiviruses.
Highlighting the Concrete Language in IFRS Based Footnote. Would that Really Help to Increase Willingness to Invest

IFRS (International Financial Reporting Standards) suggests that financial footnotes should present the necessary and relevant information for decision makers by using plain and concrete language. Thus, this study presents the empirical evidence that highlighting concrete language in an IFRS based financial footnote increases the investors’ willingness to invest in a firm. This study contributes the previous literature on how linguistic preferences in financial instruments affect the judgment of investors by showing empirical evidence that highlighting the concrete language may increase the investors’ willingness to invest .
Works councils and workplace health promotion in Germany

From a theoretical viewpoint, there can be market failures and organizational failures resulting in an underprovision of occupational health and safety. Works councils may help mitigate these failures. Using establishment data from Germany, the empirical analysis in this article confirms that the incidence of a works council is significantly associated with an increased likelihood that the establishment provides more workplace health promotion than required by law. This result also holds in regressions accounting for the possible endogeneity of works council incidence. Furthermore, analysing potentially moderating factors such as collective bargaining coverage, industry, type of ownership, multi-establishment status and product market competition, the article finds a positive association between works councils and workplace health promotion for the various types of establishments examined. Finally, this study goes beyond the mere incidence of workplace health promotion and shows that works councils are positively associated with a series of different measures of workplace health promotion.
Physiological effects of wind turbine noise on sleep

In accordance with the EU energy policy, wind turbines are becoming increasingly widespread throughout Europe, and this trend is expected to continue globally. More people will consequently live close to wind turbines in the future, and hence may be exposed to wind farm noise. Of particular concern is the potential for nocturnal noise to contribute towards sleep disturbance of nearby residents. To examine the issue, we are implementing a project titled Wind Turbine Noise Effects on Sleep (WiTNES). In a pilot study described in this paper, we performed an initial investigation into the particular acoustical characteristics of wind turbine noise that might have the potential to disturb sleep. Six young, healthy individuals spent 5 nights in our sound exposure laboratory. During the final 3 nights of the study, the participants were exposed to wind turbine noise, which was synthesised based on analysis of field measurements. Exposures involved periods of different amplitude modulation strengths, the presence or absence of beats, different blade rotational periods, and outdoor LAEq,8h=45 or 50 dB with indoor levels based on the windows being fully closed or slightly open. Physiological measurements indicate that nights with low frequency band amplitude modulation and LAEq,8h=45 dB, slightly open window (LAEq,8h=33 dB indoors) impacted sleep the most. The presence of beats and strong amplitude modulation contributed to sleep disturbance, reflected by more electrophysiological awakenings, increased light sleep and wakefulness, and reduced REM and deep sleep. The impact on sleep by these acoustic characteristics is currently the focus of interest in ongoing studies.
Capital Adequacy, Deposit Insurance, and the Effect of Their Interaction on Bank Risk

This paper investigates how deposit insurance and capital adequacy affect bank risk for five developed and nine emerging markets over the period of 1992–2015. Although full coverage of deposit insurance induces moral hazard by banks, deposit insurance is still an effective tool, especially during the time of crisis. On the contrary, capital adequacy by itself does not effectively perform the monitoring role and leads to the asset substitution problem. Implementing the safety nets of both deposit insurance and capital adequacy together could be a sustainable financial architecture. Immediate-effect analysis reveals that the interplay between deposit insurance and capital adequacy is indispensable for banking system stability.
Information Technology in the 1990s: A Long Range Planning Scenario

This article describes a reasonable scenario for information technology, and its use within a major organization in the year 1990. The scenario is based upon a model used at Xerox to portray the use of Information Systems (IS) internally within the corporation in the year 1990. Assumptions are made about the technology and economics, and by coupling these with observed trend lines from historical data, predictions about the 1990 IS organization, technology, investment requirements, and support structure are drawn. Estimates are developed for the extent of distributed processing at four levels of the organizational hierarchy. Finally, a number of conclusions which deal with the changing nature of the IS technology and role of IS management are described.