Miracle-dz/UniFAR-FTUs huggingface dataset:
Impact of Financial Literacy (FL) and Access to Banking Services (AC) on Financial Well-Being (FWB): An Empirical Study

This paper aims to examine the mediating role of AC between the financial literacy (FL) level and financial wellbeing (FWB) of select individuals residing in National Capital Region of India. The sample study considers 476 conveniently selected individuals. The authors’ suggest that FL helps in enhancing financial knowledge and in developing skills of individuals so that they can compare and choose best finance oriented products and services which ultimately increase access to banking services. Thus, results demonstrate that without AC, FL alone can’t enhance the level of FWB among individuals residing in National Capital Region of India. No doubt, prior studies have explored association between FL and FWB; however, the mediating role of AC within this domain has remained unexplored. Findings will enable Governments and policymakers to target vulnerable groups and design financial strategies and policies to increase their FL level which increases their access to banking services which ultimately help in advancing the level of FWB. The study ignores the qualitative study through interviews. Further study focuses only on one dimensions of financial inclusion, thus ignoring other dimensions.
Trade Credit Late Payment and Industry Structure

Problem Definition: Trade credit studies pay little attention to firms’ late payment behavior due to the lack of extensive panel data. From the perspective of industry structure, this paper is the first to empirically study firms’ trade credit late payment. <br><br>Academic/Practical Relevance: While the trade credit research has focused on credit issuance and terms of suppliers, the information content of trade credit is incomplete without understanding payment behavior of customers. <br><br>Methodology: We acquire a unique trade credit payment dataset from Dun &amp; Bradstreet (D&amp;B) Global Trade Plan to study how industry structure shapes the way firms delay payments to their suppliers. <br><br>Results: We show that a firm’s late payment behavior is positively associated with market power and downstream cost-shifting, and firms strategically choose to whom and for how long to delay their trade credit payment. We employ an instrumental variable approach to establish causality and conduct several robustness checks. We also examine several moderating factors, including a firm’s capacity to borrow and speed to borrow, inventory turnover, and prior contract breach record. <br><br>Managerial Implications: In addition to suppliers’ trade credit offer, our findings uncover the other half of trade credit practice—customers’ payment behavior. It suggests that managers of supplier firms should be cautious about late payments when they make trade credit contracts with customers. Regulators should also note that suppliers are in a weak position in terms of demanding payments compared to secured lenders such as banks.
Investigating the Association between Placental Site in the Second Trimester of Pregnancy and Pregnancy Outcomes in Mother and Infant: A Retrospective Study

Background: The location of placenta is essential for the proper growth of fetus. This study was conducted to assess the relationship between placental location and perinatal and neonatal outcomes. Materials and Methods: The present retrospective cohort study was carried out on 1000 pregnant women who had delivered in Baqiyatallah Hospital, Tehran, Iran, during 2016-2018. We used a researcher-made questionnaire for collection of clinical and demographic information of patients from their medical records. All women had undergone a detailed ultrasound and Doppler examination at 20–23 weeks. We classified placenta position to four types: Lateral, Posterior, Anterior and Fundal. The data were analyzed using SPSS software version 20.0. Results: Placental site location in 44%, 42.1%, 8.2% and 5.7% of cases were anterior, posterior, lateral and fundal, respectively. The mean birth weight in subjects with lateral and posterior placental site location were 2999.3±643.9, and 3269.7±1776.9 gr as lowest and highest, respectively (p <0.001). Among the newborns in lateral group, 4.88% of them were pre-term, which was significantly higher than other groups (P=0.035). The rate of IUGR birth in lateral group was 4.88% which was higher than other groups (P=0.023). Also, among perinatal outcomes the rate of twin pregnancy was higher in lateral group, while the percentage of female birth in this group was lower than other groups (p <0.001). Conclusion: Lateral placental locations are associated with a number of adverse pregnancy, delivery and infant outcomes. Placental implantation and location at 14 to 24 weeks can be used in the evaluation of pregnancies. In other words, knowing the placenta location can help obstetricians and gynecologists in the better diagnosis of pregnancies at higher risk of complications.
Cytotoxicity of Quercetin and Quercetin-3-O-rhamnoside of Etlingera elatior (Jack) R.M.Sm. leaves against HeLa Cervical Cancer Cells

Etlingera elatior traditionally used for therapeutic purposes. Pharmacological activities of this plant have been reported, one of which is cytotoxic activity. This study aims to isolate cytotoxic compounds against HeLa cervical cancer cell lines from an ethanol extract of the E. elatior leaves. The isolation work was conducted by means of column chromatography and determination of the molecular structure was by spectroscopic data analysis. The cytotoxicity was determined by the 3-(4,5-dimethylthiazol-2-yl)-2,5diphenyltetrazolium bromide (MTT) method. The results of this study were two isolated compounds identified as quercetin and quercetin-3-O-rhamnoside from the ethyl acetate fraction. These two compounds had cytotoxic activity on HeLa cervical cancer cells which was indicated by the inhibition of cell proliferation with IC50 values were 29.49 and 46.67 μg/mL, respectively. In the migration assay, quercetin and quercetin-3-O-rhamnoside inhibited migration of the HeLa cells significantly at 10 μg/mL as compared with the control, in 24 and 48 hr experiments. This study reinforces the previous evidence of the potential of quercetin and quercetin-3-O-rhamnoside as an anticancer drug candidate.
Small Technology Firms: Academic Orientation and Knowledge Dimensions in Collaborative Innovation

This study focuses on small biotechnology firms and investigates how the depth and the breadth of knowledge application in the firm relate to the innovative output it reaps from entering alliances. We also take into account a firm’s orientation towards alliances with universities and see how this orientation combines with the depth of knowledge to affect a firm’s ability to gain innovative outputs from collaborations. Our findings suggest that firms oriented to university alliances leverage their depth of applying knowledge in order to obtain more innovative outputs. However, firms without such orientation seem to follow a different path: Even if they have focused their R&amp;D resources over a few technological fields, they don’t seem to achieve more innovative outputs in their alliances. We also find that a tendency toward partnering upstream with universities per se does not lead to more innovative outputs but only when combined with a deep knowledge base.
Impact of Economic Growth and Population Dynamics on CO 2 Emissions: Study of Developing Nations

Environment accounting is a concept which tries to take into consideration the environmental impact of a company on the environment. Like financial accounting take into consideration the expenses and the income similarly this field tries to gauge the effect of environment degradation by the company and the benefit which the company will return back to the environment. Environmental accounting takes place both at the corporate level and at the national level. This review paper tries to give a brief analytical view of environment accounting in India, how this concept came into existence, scope and limitation of this concept and how this concept is used in India by Indian companies to protect the environment from further degradation.
New report for Pristinella jenkinae Stephenson, 1931 (Annelida: Oligochaeta: Naididae) geographical distribution from Southern Caspian Sea basin, Mazandaran province-Iran

Pristinella jenkinae (Stephenson, 1931) is a freshwater cosmopolitan oligochaete. This species was found during limnological investigation in two rivers alongside Iranian coasts and has not been previously reported from Iran‟s freshwater fauna and Southern Caspian Sea basin. The specimens of P. jenkinae were collected bimonthly from Cheshmehkileh and Sardabrood rivers and estuaries (river mouth) using a Van Veen grab (0.03 m 2 ) and Surber (0.1 m 2 , 0.2 mm-mesh size) samplers at three stations in each estuary (S1: riverine, S2: estuary and S3: marine ecosystem) with three replicates from November 2014 through September 2015. Results of temporal distribution showed that the highest and lowest density and biomass of this species were in January (102.3±68.3 ind m -2 and 0.075±0.034g m -2 ) and in September (24.4±12.3 ind m -2 and 0.020±0.005g m -2 ), respectively which were significantly different (N=57, t=0.99, p<0.05). Spatial distribution of P. jenkinae among sampling stations (S1, S2 and S3) showed significant differences (N=57, t=0.99, p<0.05). Freshwater stations (S1) within the river showed higher density and biomass (112.1±64.8 ind m -2 and 0.082±0.035g m -2 ) than semibrackish stations (S2) within the estuary (18.8±10.3 ind m -2 and 0.013±0.005g m -2 ). Semi-brackish stations (S2) showed higher density and biomass than brackish stations (S3) within the sea (0±0 ind m -2 and 0±0g m -2 ). Density and biomass of this species in Cheshmehkileh River and estuary was more than Sardabrood. A significant correlation (N=57, r=Pearson, p<0.05) between density and biomass of P. jenkinae with environmental variables was found.
Strategic Trading by Insiders in Reaction to Institutions: A Rat-Race Effect

We examine how trading by institutional traders affects those by insiders. Using data at the trade level, we find insiders complete their trades faster when institutions trade on the same side in the stock. The effect of institutional activity on insider trading is more pronounced when insiders are more informed and if insider trades are associated with long-lived information. This finding supports the information-based hypothesis where insiders accelerate their trading due to competition with institutional investors for information. We identify two channels, brokerage and proximity, where insiders compete with institutional traders for information. We find the competition is more intense when (1) insiders and institutional investors share the same broker; and (2) institutional investors are local to the firm’s headquarter.
Further Evidence on Efficiency of Bahrain Bourse: A High Challenge for Other Industries

The purpose of the present study is to provide further evidence of the weak form efficiency of the Bahrain Bourse. The research methodology is based on daily closing index values of the Bahrain Bourse from 2011 to 2015 in order to test the efficiency of the stock market while runs test, Autocorrelation Function, and advance tools such as ARCH and GARCH models and Hurst Index to provide further evidence of the weak form efficiency of the Bahrain stock market. For instance, a volatile and inefficient stock market has a negative impact on the textile and apparel industry in the Kingdom of Bahrain, which is one of the most prosperous and attractive industries in the country. The empirical results revealed that Bahrain stock market does not follow a normal distribution and the successive price changes are not independent. Further, ARCH effect is significant and indicative of a time-varying conditional volatility. There is an arbitrage opportunity and extreme mispricing in the Bahrain stock market as indicated by the GARCH (1,1) model. The results of the Hurst exponent also confirm the inefficiency of the market. The results of these tests are consistently indicating that the Bahrain stock market is inefficient.
Musculoskeletal Status and Quality of Life among Faculty Members of Rafsanjan University of Medical Sciences, Iran, 2019

Article Info Background: Musculoskeletal diseases are often studied in people with hard occupations, such as in factory workers, but they are less often studied in people with intellectual occupations. Accordingly, this study aims to examine musculoskeletal diseases and their relationship with quality of life among faculty members of Rafsanjan University of Medical Sciences (RUMS) to design corrective exercise and decrease disorders. Material and Methods: This descriptive study was conducted in 2019, in which 71 out of 179 faculty members of RUMS participated. Also, the participants' level of physical and mental health was assessed using the standard SF-36 questionnaire. The data were analyzed using descriptive statistics and inferential statistics. Results: The results of the study showed that lordosis and forward head angle were the most prevalent disorders observed in %94 and %97 of the participants, respectively. However, the subjects had negligible spinal and pelvic tilts as well. The Pearson's correlation results showed a significant positive correlation between abnormalities of shoulder tilt, forward head angle, and lordosis. It was also found that with an increase in kyphosis, shoulder, and spine disorders, the participants’ level of physical and mental health decreased. Conclusions: Our results showed that although the work done by the faculty members was very physical in nature, the rate of some musculoskeletal diseases, such as lordosis and forward head angle, was high among them. Therefore, it seems necessary to do necessary planning, such as designing exercise as well as modifying movement patterns, to prevent and to reduce these disorders.
ANTIMICROBIAL RESISTANCE, BIOFILM FORMATION PATTERNS AND VIRULENCE FACTORS PROFILES OF ESCHERICHIA COLI ISOLATED FROM YOGHURT AND KARIESH CHEESE IN ZAGAZIG CITY, EGYPT

In the present study, Fifty random samples of each small-scale (plain yoghurt and kariesh cheese) were collected randomly from different dairy shops and markets in Zagazig city for isolation and identification of Escherichia coli which is considered a good indicator of faecal contamination and a major cause of food poisoning. Identification was done microscopically and biochemically by different biochemical tests (IMVIC). The incidence of E. coli in yoghurt and kariesh cheese samples were 36% and 50%, respectively. Also, the serological identification of E. coli isolates revealed that O26 is the most predominant serogroup by percentagesof27.77% and 28% in both yoghurt and kariesh cheese samples, respectively. Because of its rising resistance to antibiotics, E.coli represents a real threat to human health. Antimicrobial susceptibility testing (AST) was done by disc diffusion method against 10 antimicrobials and the results revealed that E. coli isolates were highly resistant to amoxicillin-clavulanate, ampicillin, Cefotaxime and Ceftazidime, and were highly sensitive to chloramphenicol, Ciprofloxacin and tetracycline. In addition, 83.72%of E. coli isolates showed multi drug resistance (MDR). Bacterial adhesion to food surfaces and the formation of biofilmisa source of food contamination that has an impact on food safety and industry. Micro titer plate assay was used for testing biofilm formation and revealed that 69.77% of E. coli isolates were non-biofilm producers, 9.30% were weak biofilm producers, 20.93%were moderate biofilm producers and none of isolates was strong biofilm producers. Virulence genes of E. coli isolates were identified and characterized by a multiplex PCR assay. The results showed that among the target genes, stx1was most frequently detected by a percentage of81.82%.
Rational Cycles and Endogenous Lending Standards*

We study the equilibrium and welfare in a rational model of endogenous cycles generated by the two-way interaction between investors’ choice of lending standards and real outcomes. When lenders optimally choose lax lending standards it leads to low interest rates, high output growth, but also to the deterioration of future credit application quality. When the quality is sufficiently low, lenders endogenously switch to tight standards. This implies high credit spreads and low output, but a gradual improvement in the quality of applications, which eventually triggers a shift back to lax lending standards and the cycle continues. The equilibrium cycle might feature a long boom, a lengthy recovery, or a double-dip recession. It is generically different from the constrained efficient cycle as atomistic lenders ignore their effect on the composition of the pool of borrowers. Carefully chosen macro-prudential or counter-cyclical monetary policy often improves the decentralized equilibrium cycle. JEL codes: D82, E32, E44, G01, G10
Human Bodily Micromotion in Music Perception and Interaction

This project seeks to investigate the close couplings between musical sound and human bodily micromotion. Micromotion is here used to describe the smallest displacements of human body parts, either voluntary or involuntary, typically at a speed smaller than 10 mm/s. The last decades have seen an increased focus on the role of the human body in both the performance and the perception of music (Gritten and King, 2006), and today it is difficult to imagine talking about the experience of music without also focusing on how music is experienced through the body (Godoy and Leman, 2010). Up to now, however, the micro-level of these experiences has received little attention. This project will investigate such music-related micromotion, with an aim of contributing to: • knowledge about how musical sound influences human motion at the micro-level. This will be based on literature studies, theoretical modelling, and a longitudinal observational study as well as three large-scale experiments of sound-motion relationships. • a large, annotated and metadata-rich database of the micromotion recordings mentioned above. The database will be central to the current project, and will also be made available for future research in the field. • conceptual models and software tools for using micromotion to control musical sound in computer-based systems. Such musical microinteraction can be used for music performance or production, or for “active listening”. The project is: • at the research frontier of basic issues in cognitive musicology, embodied music cognition, music technology, and human-computer interaction. • truly interdisciplinary, bridging over between so-called “hard” and “soft” research approaches, as well as between science and the arts. • innovative, with research outputs in the form of scientific publications, an open database, and open source software tools.
A rare mutation in ABCC8/SUR1 leading to altered KATP channel activity and β-cell glucose sensing is associated with type 2 diabetes mellitus in adults

Section of Cell Biology, Division of Medicine, Imperial College London, Sir Alexander Fleming Building, Exhibition Road, SW7 2AZ, London, UK Sud-Francilien Hospital, Corbeil-Essonnes, France Institute of Membrane and Systems Biology, University of Leeds, Leeds, UK Department of Endocrinology and Diabetes, Saint-Louis Hospital, Paris 7 University, Paris, France Genomic Medicine, Hammersmith Hospital, Imperial College, London, UK Centre National de la Recherche Scientifique-UMR8090, Institute of Biology, Lille 2 University, Pasteur Institute, Lille, France
Comparison of the effects of instrument assisted soft tissue mobilization and dry needling on active myofascial trigger points of upper trapezius muscle

Background: Myofascial pain syndrome is one of the most common complaints in patients referring to orthopedic treatment centers. The present study aimed to examine the effects of instrument-assisted soft tissue mobilization (IASTM) and dry needling (DN) on active myofascial trigger points (AMTrP) of the upper trapezius muscle (UTM). Methods: The current study was designed as a randomized clinical trial and a total of 81 patients, aged 18-40 years, with active myofascial trigger points in the upper trapezius muscle were randomly divided into 3 groups: group 1 (n = 30) received DN treatment, group 2 (n = 26) received IASTM treatment, and group 3 (n = 25) was considered as the control group (no intervention). The numeric pain scale (NPS), pain pressure threshold (PPT), active cervical contra-lateral flexion (ACLF), neck disability index (NDI), and muscle thickness (MT), according to rehabilitative ultrasonic imaging (RUSI), were measured at baseline, immediately after the last session (session 4 in week 2), and 1 month after the last session. The statistical analysis was conducted at a 95% confidence level. The P values less than.05 were considered as statistically significant. Results: Both techniques were effective in treating active trigger point of the upper trapezius (p<0.05), but there was no significant difference between the treatment groups in terms of any of the above variables except for ACLF (p>0.05) Conclusion: Both IASTM and DN were determined to improve NPS, PPT, ROM, and NDI in participants with active trigger points in the upper trapezius, although IASTM was more effective in increasing ACLF in these patients.
Application of Telehealth in Prenatal Care during the COVID-19 Pandemic—A Cross-Sectional Survey of Polish Women

To reduce the risk of infection of SARS-CoV-2 during commuting to the clinic or due to contact with medical staff, the American College of Obstetricians and Gynecologists has recommended arranging some appointments in the form of “telehealth”. The aim of the study was to assess the access to medical care in pregnancy during the SARS-CoV-2 pandemic and the role of telehealth in the implementation of prenatal care standards. This is a cross-sectional study. The study group included 618 women who were pregnant and/or gave birth in Poland during the COVID-19 pandemic. The majority of the participants experienced difficulties accessing medical care because of the pandemic. The correlation between this experience and the use of the hybrid healthcare model was established. The affiliation to public or private healthcare was irrelevant. There was no relationship between healthcare (private/public or in-person/hybrid) and implementation of the prenatal care standards. To ensure safe access to prenatal care for pregnant women, recommendations for a hybrid pregnancy management model should be created with detailed information regarding which appointments patients must be present for in-person and which can be conducted remotely. To reduce the risks associated with movement and interpersonal contact, all visits during which tests and screenings take place should be conducted in-person; other appointments can be arranged in the form of telehealth.