Miracle-dz/UniFAR-FTUs huggingface dataset:
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI KEUANGAN

This study is entitled Analysis Of Factors Affecting Financial Literation, Case Study Of As-Syafi’iyah Islamic University, Faculty Of Economics And Business Students, 2020. This study aims to determine the Factors Affecting Student Financial Literacy, these factors include gender, GPA, income of parents and work experience. The population in this study is the active students of the Faculty of Economics and Business of the As-Syafi’iyah Islamic University semester 4 to semester 8, probability sampling techniques, the number of samples used slovin formula. This study uses 232 questionnaires through Google form. The instrument test uses the validity and reliability test. The analytical method used is descriptive statistics, the classic assumption test, the multiple regression test, the multiple correlation coefficient of determination test and the T Test. The test results show that 1). Gender has a positive and significant effect on financial literacy 2). GPA has a positive and significant effect on financial literacy 3). Parents’ income has a positive and significant effect on financial literacy 4). Work Experience has a positive and significant effect on financial literacy. The suggestions from researchers Students can attend various financial literacy seminars, and can utilize social media to follow (follow) various social media accounts of financial institutions or financial consultants and for further researchers can also complement financial literacy variables by looking at their effects on financial attitudes and financial behavior.
Testing a model of some outcomes of perceived supervisor need support (Based on SDT)

The purpose of this study was to test a model of some outcomes of perceived supervisor need support based on Deci and Ryan's Self-Determination Theory (SDT). The participants of this study consisted of 193 employees of Marun Oil and Gas Producing Company in Khuzestan, who were selected by stratified random sampling method. The instruments used in the study were Need Support at Work Scale (Tafvelin & Stenling, 2018), Need Satisfaction at Work Scale (Tafvelin & Stenling, 2018), Multidimensional Work Motivation Scale (Gagne et al., 2015), Employee Well-being Scale (Zheng et al., 2015), and Utrecht Work Engagement Scale–9 (Schaufeli et al., 2006). Structural equation modeling (SEM) through AMOS-24 was used for data analysis. The bootstrap procedure also used for testing the significance of the indirect effects. Results indicated that the proposed model fit the data properly. Better fit and more meaningful results obtained by omitting 1 non-significant path (controlled motivation to job engagement) and correlating the errors of 2 paths. Findings showed that all direct paths except controlled motivation to job engagement were significant. Results also supported the mediating role of need satisfaction and autonomous motivation in these relationships. Based on findings, SDT is a useful framework for predicting employee well-being and job engagement through need support, need satisfaction and motivation.
Spatial pricing and product allocation in online retailing

Spatial pricing means a retailer price discriminates its customers based on their geographic locations. In this article, we study how an online retailer should jointly allocate multiple products and facilitate spatial price discrimination to maximize profits. When deciding between a centralized product allocation ((i.e., different products are allocated to the same fulfillment center) and decentralized product allocation (ie, different products are allocated to different fulfillment centers), the retailer faces the tradeoff between shipment pooling (ie, shipping multiple products in one package), and demand localization (ie, stocking products to satisfy local demand) based on its understanding of customers' product valuations. In our basic model, we consider two widely used spatial pricing policies: free on board (FOB) pricing that charges each customer the exact amount of shipping cost, and uniform delivered (UD) pricing that provides free shipping. We propose a stylized model and find that centralized product allocation is preferred when demand localization effect is relatively low or shipment pooling benefit is relatively high under both spatial pricing policies. Moreover, centralized product allocation is more preferred under the FOB pricing which encourages the purchase of virtual bundles of multiple products. Furthermore, we respectively extend the UD and FOB pricing policies to flat rate shipping (ie, the firm charges a constant shipping fee for each purchase), and linear rate shipping (ie, the firm sets the shipping fee as a fixed proportion of firm's actual fulfillment costs). While similar observations from the basic model still hold, we find the firm can improve its profit by sharing the fulfillment cost with its customers via the flat rate or linear rate shipping fee structure.
How Did Depositors Respond to COVID-19?

Abstract Why did banks experience massive deposit inflows during the pandemic? We discover that deposit interest rates at bank branches in counties with higher COVID-19 infection rates fell by more than rates at branches—even branches of the same bank—in counties with lower infection rates. Credit drawdowns, national policies, such as the Payment Protection Program, and a flight-to-safety do not account for these cross-branch changes in deposit rates. Evidence suggests that higher local COVID-19 infection rates are associated with households’ greater anxiety about future job and income losses, anxiety that induces households to reduce spending and increase deposits.
Oxidative Stress and Antioxidant Parameters in Earthworm (Esiena fetida andrei); a Probable index of Environmental Pollution Status

Oxidative stress and antioxidant responses in earthworms were investigated for use as an index for environmental pollution. The study was done in three test locations (Refinery road, Okere market and PTI roundabout) in Warri an industrial city in Nigeria and Abraka a less industrial city as control. Levels of five stress and antioxidant parameters; lipid peroxidation (LPO), aldehyde oxidase (AO), superoxide dismutase (SOD) catalase (CAT) and ascorbic acid (Vit. C.) were used. There was observed significant (p<0.05) rise in LPO (5.83±0.456, 5.83±0.456, 4.04±0.58, 4.25±0.475, 2.09±0.425), oxidative enzyme (AO) levels (0.011±0.00012, 0.008±0.0021, 0.0058±0.0013, 0.0022±0.00009) and increase in activities and levels of the antioxidants (SOD: 24.0±3.80, 12.0±3.80, 16.0±4.62, 5.6±2.8; CAT: 0.98±0.013, 1.08±0.061, 0.95±0.018, 0.93±0.0125 and Vit. C: 0.175±0.0172, 0.118±0.0148, 0.109±0.014, 0.072±0.004) respectively in all study locations in Warri compared to Abraka. These changes were significantly higher in refinery road compared to other locations (Okere market and PTI) in Warri. There were also significant (p<0.05) negative relationship between LPO and SOD activities (r=-0.677), AO and CAT(r=-0.718) as well as AO and SOD(r=0.661) activities respectively only in the refinery road area while no significant change (p>0.05) were reported in other locations. The combined data showed significant negative relationship (p<0.01) between LPO and AO(r=-0.719) and a significant positive relationship (p<0.01) between LPO and (SOD r=0.710, Vit C r=.884). It further showed significant (p<0.01) negative relationship between AO and CAT (r=-0.486), SOD and Vit C (r=-.648), and significant (p<0.01) positive relationship between Vitamin C and (SOD r=-0.865, CAT r=0.785). It was concluded that rise in levels of the studied antioxidants and LPO in earthworms found in Warri compared to Abraka may have occurred in response to industrial pollution, thus may be used for environmental monitoring. Keywords: Environment, Pollution, Oxidative Stress, Antioxidants and Earthworm
Explaining the stock-stock, bond-bond and stock-bond correlation across countries

This paper examines the behaviour of the same asset-cross country and cross-asset same country correlations for stocks and bond for four (Germany, Japan, UK, USA) major economies. Using the realised volatility methodology to construct time-varying correlations, the results reveal that rising same asset correlations occur when cross-asset correlations fall. While there is evidence of segmentation of Japanese assets within international markets. We seek to explain the movement in correlations and note that the variables that exhibit a positive predictive relation for the stock-bond correlation, exhibit a negative predictive relation for the stock-stock and bond-bond correlations and that this is linked to economic conditions. Within this, four variables (inflation, stock returns, consumer sentiment and purchasing managers index) exhibit consistent significance across the regressions. Using these variables, we construct a correlation indicator variable that is used to construct a switching portfolio. This constructed portfolio constructed outperforms buy-and-hold alternatives.
Blood Type and Blood Pressure Correlations to Body Mass Index in Young Adults

Specific ABO blood type was reported to the higher risk of having overweight and obesity. The laters had also been suggested to correlate to blood pressure. Here we studied blood type and blood pressure amongst seemingly healthy university students of IIKBW, Kediri to understand their correlations to the body mass index (BMI). The blood typing (ABO typing, Eryclone®) and blood pressure (automated digital sphygmomanometer) of 74 male and 76 female were measured in duplicate accordingly. The BMI was analysed from the student’s body weight and height using a digital balance and a microtoise staturemeter, respectively. Data were analysed using SPSS 17 with p<0.05 level of significance. There were 18.7% students have A blood type, 31.3% students were B type, 44% were O and 6.0% with AB blood type. There were 30.7% students with obesity, 18% overweight, 36% normal weight and 15.3% underweight. There were 4.7% had a hypertension, 28.7% pre-hypertension, and 66.7% were normal. No significant correlations found between BMI or the blood pressure to any specific ABO blood type, except between the blood pressure and the AB blood type (r=-0.179, p=0.03). However, there was a significant correlation between BMI and blood pressure (r=0.327, p=0.000). We observed no significant associations between any specific ABO blood type with the BMI and blood pressure. However, high blood pressures amongst students with obesity were found. Males were more common to suffer from obesity and high blood pressure than females.
Prevalence of parasitic contamination in vegetables distributed in Yazd city, center of Iran

Background and objective: Parasitic infections damage human health in different ways especially by gastrointestinal disorders. Several investigations have been done on determination of parasites in vegetables in the world. The aim of this study was to assess the rate of parasitic contamination in edible vegetables available in Yazd city (center of Iran) and suggestion of appropriate methods for prevention and control of the contamination. Materials and methods: Four hundred samples of washed and unwashed vegetables were investigated by sedimentation and centrifugation method. The method was included to washing the vegetables by water and detergent and then rinsing several times. The sediments were centrifuged and finally stained with Lugol's iodine solution. Vegetables in the study were included to leek, parsley, coriander, dill, radishes, scallion, garden cress, basil, mint, and fenugreek. Results and conclusion: Sixty fine out of 200 unwashed vegetables (32.5%) and three out of 200 washed vegetable (1.5%) were infected by parasites. The most contamination in the unwashed vegetables were related to terrestrial nematode, inhuman parasite eggs, and parasitic worm eggs, while their contamination dropped significantly in the washed vegetables. Among the all samples, leek and scallion were the most contaminated and radish had the least contamination. The highest level of contamination was observed in summer and the least level of contamination was observed in winter. In conclusion, parasitic contamination of the vegetables in Yazd was at moderate level. However, it is possible to prevent parasitic infection in humans by proper training of people in preparation and disinfection of vegetables.
Optimising Window Design on Residential Building Facades by Considering Heat Transfer and Natural Lighting in Nontropical Regions of Australia

Windows account for a significant proportion of the total energy lost in buildings. The interaction of window type, Window-to-Wall Ratio (WWR) scheduled and window placement height influence natural lighting and heat transfer through windows. This is a pressing issue for nontropical regions considering their high emissions and distinct climatic characteristics. A limitation exists in the adoption of common simulation-based optimisation approaches in the literature, which are hardly accessible to practitioners. This article develops a numerical-based window design optimisation model using a common Building Information Modelling (BIM) platform adopted throughout the industry, focusing on nontropical regions of Australia. Three objective functions are proposed; the first objective is to maximise the available daylight, and the other two emphasize undesirable heat transfer through windows in summer and winter. The developed model is tested on a case study located in Sydney, Australia, and a set of Pareto-optimum solutions is obtained. Through the use of the proposed model, energy savings of up to 8.57% are achieved.
Effects of 238U variability and physical transport on water column 234Th downward fluxes in the coastal upwelling system off Peru

Abstract. The eastern boundary region of the southeastern Pacific Ocean hosts one of the world's most dynamic and productive upwelling systems with an associated oxygen minimum zone (OMZ). The variability in downward export fluxes in this region, with strongly varying surface productivity, upwelling intensities and water column oxygen content, is however poorly understood. Thorium-234 (234Th) is a powerful tracer to study the dynamics of export fluxes of carbon and other elements, yet intense advection and diffusion in nearshore environments impact the assessment of depth-integrated 234Th fluxes when not properly evaluated. Here we use vessel-mounted acoustic Doppler current profiler (VmADCP) current velocities, satellite wind speed and in situ microstructure measurements to determine the magnitude of advective and diffusive fluxes over the entire 234Th flux budget at 25 stations from 11 to 16∘ S in the Peruvian OMZ. Contrary to findings along the GEOTRACES P16 eastern section, our results showed that weak surface wind speed during our cruises induced low upwelling rates and minimal upwelled 234Th fluxes, whereas vertical diffusive 234Th fluxes were important only at a few shallow shelf stations. Horizontal advective and diffusive 234Th fluxes were negligible because of small alongshore 234Th gradients. Our data indicated a poor correlation between seawater 238U activity and salinity. Assuming a linear relationship between the two would lead to significant underestimations of the total 234Th flux by up to 40 % in our study. Proper evaluation of both physical transport and variability in 238U activity is thus crucial in coastal 234Th flux studies. Finally, we showed large temporal variations on 234Th residence times across the Peruvian upwelling zone and cautioned future carbon export studies to take these temporal variabilities into consideration while evaluating carbon export efficiency.
Temperature Dependence of Elastic Constants for Ionic Solids

A simple and straightforward theoretical model is developed to investigate the elastic constants for ionic solids under the effect of temperature. The calculation are performed with the help of high temperature equation of state (EOS) derived from Tallon's method based on thermodynamic analysis. The results obtained for ionic solids are discussed and compared with experimental data under the effect of high temperature. The results are found to be in good agreement with available experimental results and thus may be helpful in analyzing the other's experimental results.
Genomic Evidence for a Case of Reinfection with SARS-CoV-2

The degree of protective immunity conferred by infection with SARS-CoV-2 is currently unknown. As such, the possibility of reinfection with this virus is not well understood. Herein, we describe the data from an investigation of two instances of SARS-CoV-2 infection in the same individual. Through nucleic acid sequence analysis, the viruses associated with each instance of infection were found to possess a degree of genetic discordance that cannot be explained reasonably through short-term in vivo evolution. We conclude that it is possible for humans to become infected multiple times by SARS-CoV-2, but the generalizability of this finding is not known.
Light‐limited photosynthesis under energy‐saving film decreases eggplant yield

Glasshouse films with adjustable light transmittance and energy‐efficient designs have the potential to reduce (up to 80%) the high energy cost for greenhouse horticulture operations. Whether these films compromise the quantity and quality of light transmission for photosynthesis and crop yield remains unclear. A “Smart Glass” film ULR‐80 (SG) was applied to a high‐tech greenhouse horticulture facility, and two experimental trials were conducted by growing eggplant (Solanum melongena) using commercial vertical cultivation and management practices. SG blocked 85% of ultraviolet (UV), 58% of far‐red, and 26% of red light, leading to an overall reduction of 19% in photosynthetically active radiation (PAR, 380–699 nm) and a 25% reduction in total season fruit yield. There was a 53% (season mean) reduction in net short‐wave radiation (radiometer range, 385–2,105 nm upward; 295–2,685 nm downward) that generated a net reduction of 8% in heat load and reduced water and nutrient consumption by 18%, leading to improved energy and resource use efficiency. Eggplant adjusted to the altered SG light environment via decreased maximum light‐saturated photosynthetic rates (Amax) and lower xanthophyll de‐epoxidation state. The shift in light characteristics under SG led to reduced photosynthesis, which may have reduced source (leaf) to sink (fruit) carbon distribution, increased fruit abortion and decreased fruit yield, but did not affect nutritional quality. We conclude that SG increases energy and resource use efficiency, without affecting fruit quality, but the reduction in photosynthesis and eggplant yield is high. The solution is to re‐engineer the SG to increase penetration of UV and PAR, while maintaining blockage of glasshouse heat gain.
Can compensation committees effectively mitigate the CEO horizon problem? The role of co-opted directors

This study aims to examine whether compensation committees dominated by co-opted directors are less effective in mitigating the CEO horizon problem. ,The author uses a sample of 7,280 firm-year observations from 1998 to 2011. ,In this study, the author finds evidence of opportunistic research and development (R&D) reduction and accruals management in firms with retiring CEOs and compensation committees dominated by co-opted directors. Moreover, it is found that R&D reduction and income-increasing accruals are less discouraged when determining the compensation for retiring CEOs by compensation committees that are dominated by co-opted directors. The results suggest that compensation committees dominated by co-opted directors are less effective in adjusting CEO compensation to mitigate the CEO horizon problem. ,The study reveals that co-opted directors are weak monitors. Moreover, the study adds empirical evidence to the debate of organizations’ CEO horizon problem. Finally, the study adds to the literature on corporate governance, revealing that compensation committees play an important role in mitigating an organization’s CEO horizon problem by adjusting CEO compensation.
Dental practice closure during COVID-19 and associated professional, practice and structural determinants: a multi-country survey

Background: The outbreak of the novel coronavirus disease (COVID-19) in China has influenced every aspect of life worldwide. Due to the characteristics of dental settings, the risk of cross-infection is high between dental practitioners and patients and dentists may develop severe anxiety about the current pandemic. In addition, the limited provision of services and closure of dental practices raised concerns among dental professionals about the financial consequences of this closure. This study assessed the frequency of dental practice closure in several countries, the factors associated with this closure and whether closure and associated factors differed between private and non-private sectors.Methods: From April to May 2020, an electronic survey was sent to dentists in several countries. The survey assessed professional factors, practice factors and country-level structural factors. Multilevel logistic regression was used to assess the association between practice closure and these factors. Effect modification by type of sector was also assessed. Results: Dentists (n= 3243) participated from 29 countries. The majority (75.9%) reported practice closure with significantly higher percentage in the private sector than the non-private sector. Pandemic- related fears were associated with significantly higher likelihood of practice closure in private (OR= 1.54, 95%CI= 1.24, 1.92) and non-private sectors (OR= 1.38, 95%CI= 1.04, 1.82). Dentists in non-private, governmental sector (OR= 0.54, 95%CI= 0.31, 0.94), those in rural areas (OR= 0.58, 95%CI= 0.42, 0.81) and those in hospitals (overall OR= 0.60, 95%CI= 0.36, 0.99) reported low likelihood of closure. High likelihood of closure was reported by those in academia (OR= 2.13, 95%CI= 1.23, 3.71). More hospital beds at country-level were associated with lower likelihood of closure in the non-private sector (OR= 0.65, 95%CI= 0.46, 0.91). Private sector dentists in high income countries (HICs) reported less closure than in non-HICs (OR= 0.55, 95%= 0.15, 1.93). Conclusions: Most dentists reported practice closure because of COVID-19 with greater impact in the private than non-private sectors. Closure was associated with factors at professional, practice, and country-level.
Corporate Default Risk and Loan Pricing Behavior in China

This chapter studies banks’ loan pricing behavior in mainland China during 2003–2013 by applying panel regressions to firm-level loan data and the estimated default likelihood for listed companies. The authors find that with the progress of market-oriented financial reforms, banks generally require compensation for their exposure to borrowers’ default risks. It is even more so if the borrower is a non-state-owned enterprise (non-SOE), mainly due to the pricing behavior of the Big Four banks. Bank lending rates are shown to be less sensitive to the default risks of state-owned enterprises (SOEs). Our results also reveal that banks priced in firm default risks before 2008 financial crisis, but not necessarily so after the crisis. As for industries, we find that after the 2008 Global Financial Crisis, the real estate sector and other government-supported industries tended to enjoy better terms on loan pricing in terms of default risks. We believe the main reason is that the government stimulus policies tilted toward those industries that have played crucial roles in China’s economic growth.