Miracle-dz/UniFAR-FTUs huggingface dataset:
The The Impact of COVID-19 on FinTech Lending in Indonesia: Evidence From Interrupted Time Series Analysis

Penelitian ini mengukur dampak pandemi COVID-19 terhadap financial technology (FinTech) lending di Indonesia. Menggunakan data bulanan FinTech yang dipublikasikan oleh Otoritas Jasa Keuangan pada periode 2018M02-2021M04, artikel ini mengukur dampak COVID-19 yang dimulai pada tanggal 2 Maret 2020 terhadap FinTech dengan mengadopsi interrupted time series (ITS) experiment. Estimasi memperlihatkan COVID-19 memiliki dampak negatif pada perubahan level (changes in level) FinTech lending di Indonesia, tetapi perubahan tren (changes in trend) adalah positif. Selanjutnya, COVID-19 berdampak negatif dan secara statistik signifikan terhadap perubahan level Rasio Pinjaman Lancar (s.d. 90 hari). Namun, COVID-19 memberikan efek positif dan secara statistik signifikan pada perubahan level Rasio Pinjaman Macet (>90 hari). Temuan ini merekomendasikan bahwa otoritas jasa keuangan secara intensif mendorong berbagai model baru bisnis FinTech yang inovatif post-COVID19 dalam upaya memperluas inklusi keuangan digital dengan menyediakan pembiayaan bagi masyarakat (P2P) yang tidak tersentuh oleh bank.
Uncovering mental structure through data-driven ontology discovery

Psychological sciences have identified a wealth of cognitive processes and behavioral phenomena, yet struggle to produce cumulative knowledge. Progress is hamstrung by siloed scientific traditions and a focus on explanation over prediction, two issues we address by examining individual differences across an unprecedented range of behavioral tasks, self-report surveys, and real-world outcomes. We derive a cognitive ontology and evaluate the predictive power of many psychological measurements related to self-regulation. Though both tasks and surveys putatively measure self-regulation, they show little empirical relationship. Within tasks and surveys, however, the ontology reveals opportunities for theoretic synthesis and identifies stable individual traits. Additionally, surveys predict self-reported real-world outcomes while tasks largely do not. We conclude that data-driven ontologies lay the groundwork for a cumulative psychological science.
Epigenetic Symmetry of DLGAP2: Pre-Implantation Maternal Methylation Switches to a Random Monoallelic Profile in Somatic Tissues

: Background: Symmetrical DNA methylation profiles of autosomal genes are associated with equal expression by both alleles. Genes with an allelic imbalance or monoallelic expression are associated with discrete intervals of allele-specific methylation (ASM), as highlighted by genomic imprinting, X-chromosome inactivation and genotype-driven ASM. However, a more complex pattern has been described in which random monoallelic methylation provides cells with a unique mechanism for modulating allelic dosage. Methods: We combined direct interrogation of genome-wide methyl-seq datasets with locus-specific methylation with expression analysis to characterize the epigenetic profile of a CpG island associated with the DLGAP2 gene. The random nature of the ASM was confirmed using both bisulfite PCR in tissues and single cell-derived clonal analysis. Results: We identified an interval of oocyte-derived methylation manifested as a maternally methylated differentially methylated region (DMR) in human blastocysts and placenta. This switched to a random ASM profile by week 16 of gestation. Characterization using 5’ RACE-PCR revealed linkage of the ERICH1-AS1 transcript to DLGAP2, presenting an alternative transcription start site. Quantitative RT-PCR of DLGAP2 suggested a highly restricted expression profile limited to testis and brain, with allelic RT-PCR demonstrating robust biallelic expression. Conclusions: While many intervals subject to transient maternal methylation in the human pre-implantation embryo resolve to a fully unmethylated state in somatic tissues, we describe the first example of a CpG island converting to a random ASM profile. This profile has parallels with X-chromosome inactivation (XCI) in female mice, in which XCI is initially imprinted during pre-implantation development and maintained in the placenta, while derivatives of the inner cell mass are subject to random XCI. DLGAP2 has been associated with many neurological disorders, indicating a potential role of allele-specific expression and random ASM in the presentation of the disease phenotypes.
Effect of Accident Prevention Program on Nursery School Teachers knowledge and Practices.

Background: Accidents are a major cause of morbidity and mortality in children. Along with cardiovascular diseases and cancers, accidents currently form the 3rd leading causes of morbidity and mortality in developed and developing countries. Aim: The study aimed to evaluate the effect of accident prevention program on nursery school teachers' knowledge and practices. Research design:A pre/post quasi-experimental research design was used in this study. Sample: A convenient sample of 60 nursery school teachers, 30 from private and 30 from governmental nursery schools. Setting: The selected nursery schools represented all geographic areas of Minia city. Tools: pre-designed questionnaire sheet was used to collect data from teachers which include part 1: Demographic data about teachers as age, marital status, qualifications, years of experience and previous training courses. Part 2 Teachers' knowledge about accident prevention and first aid. An observational checklist was used for first aid measures. Results: The study results revealed that the majority of the studied teachers were married and more than two fifth of them had >30 years old with a mean of age 33.32 ± 7.478. years. The total mean scores of both knowledge and practice were increased after implementation of the program with statistical significant differences at (p-value 0.0001) between pretest, immediate posttest and posttest after 3 months. Conclusion: The current study concluded that there was an increase in the mean scores of teachers' knowledge and practices after implementation of the program about accident prevention and first aid. Recommendation: The study recommended a wide coverage implementation of this research about accident prevention and first aid for the nursery school teachers all over Minia City nursery schools.
The Speed of Sound in Air

PHYSICSINMOTION CONCEPT There are three aspects of any sound. First, there must be a source of a sound; and as with any wave, the source of a sound wave is a vibrating object. Second, the energy is transferred from the source in the form of longitudinal sound waves. Third, the sound is detected by an ear or instrument. Sound waves cannot travel in the absence of matter. The speed of sound is not the same in different materials. In air at 0oC and 1 atm. sound travels at a speed of 331 m/s. The speed increases approximately 0.60 m/s for each Celsius degree increase in temperature. The speed of sound can be measured directly by timing the passage of a sound over a long distance. To do this with a stopwatch requires a much longer distance than is available in the laboratory. An indirect method of measuring the speed of sound in air is by making use of its wave properties.
Temporal variation of mercury in Turkish Black Sea waters and associated risk assessment

Presence of metals even at trace levels in natural waters pose sever health risks. Heavy metals are introduced to coastal and marine environments through a variety of sources and activities including sewage and industrial effluents where Black Sea is not different. However, metals behave differently in Black Sea as it an enclosed body. Coastal areas of Turkey face great challenges due to heavy metal contamination caused by rapid urbanization and industrialization. The aim of this study was to investigate the spatial and temporal distributions of total mercury (Hg) in seawater at the mid-Black Sea coast of Samsun, Turkey. The samples were collected from 13 monitoring stations, from the three distances in four seasons during the year 2013. The samples were analyzed for physicochemical parameters along with contamination and enrichment factors. The distribution of Hg is nearly random along the studied coast but obtained values ranges from 0.57 to 12.6 μg/L with an average of 5.24 μg/L were above permissible limits. It was observed that number of samples collected during wet seasons (winter and autumn) with Hg were higher. High enrichment factor 0.331 and contamination factor 25.2 was recorded. Hg present at sampling station M27 was due to point source, a possible ship activity indicated by enrichment factor. The sources responsible for water pollution with Hg are mainly municipal and industrial effluents, leaching, agricultural and pasturage runoff and oil spills. Furthermore, due to unique hydrography of Black Sea, risk of Hg accumulation is high. Interestingly, a direct relation between basicity and Hg concentration was observed. i.e. highest concentration was found on pH 8.33.
Effect of Vermicompost and Urban Waste Compost on Stability of Soil Aggregates by High Energy Moisture Characteristic Curve

The aim of this research was to study soil structural stability indices of clay loam soil treated with organic amendments, using High Energy Moisture Characteristic (HEMC). For this purpose, three sizes of soil aggregates (0.5-1, 1-2, and 2-4 mm) were treated with three rates (0, 1.5, and 3 %) of vermicompost and urban waste compost. After three months of incubation, water retention of the slow (2 mm hˉl) and fast (100 mm hˉ l) wetted soil aggregates were measured at six pressure heads from 0 to 50 hPa, and HEMC stability indices such as Volume of Drainable Pores (VDP), Stability Index (SI), and Stability Ratio (SR) were determined. The results showed that only the stability of 0.5-1 mm aggregates was significantly (P< 0.01) affected by organic treatments. The stability indices were significantly influenced by the rates of amendments, and increased with increasing their rates. However, the type of organic amendments had no significant effect on stability of aggregates. The mean of VDP, SI, and SR decreased by increasing diameter of the aggregates and decreasing the rate of the organic amendments, due to breakdown of macro-aggregates and decrease of macropore fraction. In general, to increase structure stability of clay loam soil in arid regions of Iran, application of at least 3% organic amendments is recommended.
The Hydrological Urban Heat Island: Determinants of Acute and Chronic Heat Stress in Urban Streams

During and after rainfall events, the interaction of precipitation with hot urban pavements leads to hot runoff, and its merger with urban streams can result in an abrupt change in water temperature that can harm aquatic ecosystems. To understand this phenomenon and its relation to land cover and hydrometeorological parameters, we analyzed data spanning two years from 100 sites in the eastern United States. To identify surges, we first isolated temperature jumps of at least 0.5°C over 15 min occurring simultaneously with water flow increase. Surge magnitude was defined as the difference between peak stream temperature and baseflow temperature right before the jump. At least 10 surges were observed in 53 of the studied streams, with some surges exceeding 10°C. Our results demonstrate that the watershed developed area and vegetation fraction are the best descriptors of surge frequency (Spearman correlation of 0.76 and 0.77, respectively). On the other hand, for surge magnitude and peak temperature, the primary drivers are stream discharge and stream temperature immediately before the surge. In general, the more urbanized streams were found to be already warmer than their more “vegetated” counterparts during baseflow conditions, and were also the most affected by temperature surges. Together, these findings suggest the existence of a hydrological urban heat island, here defined as the increase in stream temperature (chronic and/or acute), caused by increased urbanization.
Portal Vein Damage after DEB-TACE and Lipiodol-TACE: Based on Evaluation by Computed Tomography during Arterial Portography

Purpose: To reveal the effect of drug-eluting beads transarterial chemoembolization and Lipiodol transarterial chemoembolization on portal perfusion, and to identify factors predisposing portal vein damage after transarterial chemoembolization, based on evaluation by computed tomography during arterial portography. Material and Methods: This retrospective cohort analysis included 49 patients with hepatocellular carcinoma who underwent transarterial chemoembolization and preprocedural/follow-up computed tomography during arterial portography between October 2013 and April 2015. The preprocedural and follow-up computed tomography during arterial portography were compared to identify the following new changes suggestive of portal vein damage in the follow-up computed tomography during arterial portography: small perfusion defects, large perfusion defects, and narrowing/disappearance or portal vein obstruction. The frequency of portal vein damage after drug-eluting beads transarterial chemoembolization and Lipiodol transarterial chemoembolization was calculated, and relationships between portal vein damage and clinical variables were analyzed. Finally, a multivariate logistic regression analysis with adjustments for potentially confounding factors was performed to identify factors predisposing portal vein damage. Results: The analysis included 24 patients who underwent drug-eluting beads transarterial chemoembolization and 25 who underwent Lipiodol transarterial chemoembolization. Emergence of small perfusion defects and narrowing/disappearance or obstruction of portal vein were observed at a significantly higher frequency following drug-eluting beads transarterial chemoembolization than following Lipiodol transarterial chemoembolization (70.8% [17/24] vs. 20% [5/25]; p < 0.001; 41.7% [10/24] vs. 12% [3/25]; p = 0.019). Drug-eluting beads transarterial chemoembolization and selectivity of transarterial chemoembolization (selective [<subsegmental], segmental or lobar) were significantly associated with portal vein damage (p < 0.001 and p = 0.016, respectively). However, multivariate logistic regression analysis identified drug-eluting beads transarterial chemoembolization as a significant independent predictor of portal vein damage (odds ratio: 34.95; 95% confidence interval: 1.137-1073.99; p = 0.042). Conclusions: Portal vein damage occurred at a significantly higher frequency following drug-eluting beads transarterial chemoembolization than following Lipiodol transarterial chemoembolization, and drug-eluting beads transarterial chemoembolization was an independent predictor of portal vein damage after transarterial chemoembolization.
Male opportunistic mating increases with intensity of female sexual cannibalism in three web-building spiders

Sexual conflict is common in animals, and female sexual cannibalism represents an extreme form of sexual conflict. Males in many species have evolved a variety of strategies to circumvent or decrease the risk of female sexual cannibalism. Opportunistic mating, by which a male mates with a female when she is disturbed or when she is feeding or undertaking moulting, is one of such kinds of strategies, and widely occurs in many animals, especially in spiders. However, whether the occurrence of male opportunistic mating depends on the intensity of female sexual cannibalism remains largely unexplored. We predicted a positive correlation between them. In this study, we tested this prediction by performing a series of mating trials in the laboratory using three species of web-building spiders with different intensities of female sexual cannibalism: Nephila pilipes, Nephilengys malabarensis, and Parasteatoda tepidariorum. We found that the occurrence of male opportunistic mating was positively, though not statistically significantly, correlated with the intensity of female sexual cannibalism, thus supporting our hypothesis. All together, we provide evidence that male opportunistic mating may have evolved to respond to the selection pressure posed by female sexual cannibalism.
Individual Differences In Early Stage English Learners In Japan

This paper attempts to explore the individual differences in English Learning (EL) of early stage learners focusing on students’ experiences relevant to EL, motivation for EL, and first language (L1) performance. In Japan, English education has been radically changing since 2011. To reveal how the change has affected Japanese students, their actual state needs to be investigated. There were 406 Japanese junior high school students as participants. They were asked to answer the questionnaire concerning their experience related to EL (e.g., the content of the activities, the starting age of EL) and motivation for EL. Also, their metalinguistic ability was measured as L1 performance. The metalinguistic ability test consisted of ambiguity detection tasks, grammatical relation tasks, and morphological awareness tasks. The results showed that over 70% of the students considered English classes as fun, though they did not necessarily have autonomy. Further, the group with lower autonomy tended to have taken writing and speaking classes. The number of English class hours and the starting age of EL showed no correlation with motivation. Also, metalinguistic ability did not correlate to the other variables. The findings imply that it is not easy to develop students’ motivation. However, amended English education in Japanese elementary schools mostly has positive effects on students. Overall, the data contributes a clearer understanding that supports the contention that classroom activities are more influential than the starting age of EL and the number of English class hours.
Toward Understanding the Diverse Roles of Perisomatic Interneurons in Epilepsy

Epileptic seizures are associated with excessive neuronal spiking. Perisomatic γ-aminobutyric acid (GABA)ergic interneurons specifically innervate the subcellular domains of postsynaptic excitatory cells that are critical for spike generation. With a revolution in transcriptomics-based cell taxonomy driving the development of novel transgenic mouse lines, selectively monitoring and modulating previously elusive interneuron types is becoming increasingly feasible. Emerging evidence suggests that the three types of hippocampal perisomatic interneurons, axo-axonic cells, along with parvalbumin- and cholecystokinin-expressing basket cells, each follow unique activity patterns in vivo, suggesting distinctive roles in regulating epileptic networks.
Cartilage Injury after Patellar Dislocation Surgery and Evaluation of the Effect of Platelet-Rich Plasma Treatment by Algebraic Reconstruction Techniques Based MRI

The study focused on the application value of Algebraic Reconstruction Techniques (ART) based magnetic resonance imaging (MRI) in the diagnosis of cartilage injury in patients with patellar dislocation, as well as the treatment effect of platelet-rich plasma (PRP). 50 patients with patellar dislocation admitted to the hospital were selected as the research subjects, and they were randomly divided into the experimental group (lateral retinaculum plasty and PRP treatment) and the control group (lateral retinaculum plasty), with 25 cases in each group. The ART-based MRI technology was used to judge the recovery of patients after surgery and analyze the differences in clinical data between the two groups. The results showed that the running speed under ART algorithm was significantly faster than the traditional Joseph algorithm and Siddon algorithm, and the image reconstruction effect was better. The visual analog scale (VAS) scores of preoperative and postoperative pain and the Hospital for Special Surgery (HSS) score in the experimental group were better than those of the control group ( P < 0.05 ). In conclusion, the ART-based MRI technology can clearly show cartilage injury and the PRP treatment can effectively relieve postoperative pain, with reliable curative effects and simple operations.
Effect of Early Ambulation on Reducing Respiratory Tract Infection among Postoperative Elderly Patients with Abdominal Surgeries

Background: Abdominal surgery is one of the most frequent surgical procedures performed in age 65 and more. postoperative respiratory tract infection (RTIs) is the most common serious complication after this type of surgery with reported incidence between 17-88%. Delayed mobilization was associated with a three-fold increase in RTIs. Aim of the study: To evaluate the effect of early ambulation on reducing RTIs among postoperative elderly patients with abdominal surgeries. Research design: Quasi-experimental research design was utilized in the current study. Subjects: Convenient sample including 80 elderly patients male and female, classified equally into two equal groups; study group (n= 40) and control group (n= 40), were collected through one year. Setting: This study was carried out at the general surgery departments (A and C) at Minia University Hospital. Tools of data collection: three tools were utilized in collecting data. Tool I: patient interview structured questionnaire, Tool II: patient's physical and respiratory assessment; Tool III: early ambulation record. Results: current study findings revealed that the 87.5% of the study group were free from postoperative RTIs. In contrast to, 85% of the control group had postoperative RTIs. Conclusion: The current study findings concluded that, early ambulation had a synergetic positive effect on reducing postoperative RTIs, improving respiratory parameters and decreased length of hospital stay among elderly with laparotomy. Recommendations: Hospitals should recommend implementing protocols for postoperative early ambulation as a routine hospital policy among all general surgical patients in all age groups.
Design, Synthesis, Spectroscopic Characterization of New Pyrazole Carbothioamides as Antifungal and Antibacterial Candidates

In a sustained search for novel antimicrobial agents as weaponry in the war against infectious diseases, resulting in improved survivability for both humans and their domestic animals, the present study demonstrates an efficient synthesis of N,N-dimethylaminophenyl substituted pyrazole carbothioamide derivatives. The synthesis involves (3+2) cycloaddition of chalcones with hydrazinecarbothioamide hydrochloride in the presence of the amberlyst-15 catalyzed at room temperature. The structures of new compounds were characterized by spectroscopic analysis. Furthermore, the synthesized new compounds 5(a-g) were assessed in vitro for their antimicrobial susceptibilities. The results indicate that compounds 5a found potent against tested bacteria species; 5b and 5c show excellent inhibition against the tested fungi and bacteria species. Therefore, these could act as antifungal and antibacterial leads for further investigations.
AMERICAN CAPITALISM

also provided useful comments and checked the historical accuracy of some of my recollections. asked me to come to their headquarters in Omaha to tell them about the Texas intrastate gas industry. Northern Natural was an interstate pipeline and Internorth wanted to buy a Texas intrastate company. I told them that HNG had the best facilities and the best management in the state. I am sure they heard that from others too, and it wasn't long before they merged with HNG to form Enron. A number of lawsuits and regulatory proceedings surrounded the merger, and I testified on behalf of Enron in many of those. Until its demise in 2001, Enron was one my largest clients. This paper is in large part based on my experience in the natural gas industry. I never met or worked with Ken Lay, Jeff Skilling or Andy Fastow. My work was mostly with the pipeline and gas marketing part of Enron's business.