Miracle-dz/UniFAR-FTUs huggingface dataset:
The impact of financial literacy on risk and time preferences and financial behavioural intentions

ii ACKNOWLEDGEMENT . iii CONTENTS . iv LIST OF TABLES . viii LIST OF FIGURES . x GENERAL INTRODUCTION . 11 Background . 11 Problem Statement . 12 Rationale . 13 Aim . 13 Objectives . 13 The conceptual and theoretical framework . 14 Key concepts . 16 Behavioural economics . 16 Financial literacy . 17 Financial behaviour . 19 Time preferences . 20 Risk preferences . 22 Components of financial literacy . 23 Empirical Literature review . 24 Financial Literacy and students . 24 Measurement of Financial literacy . 25 Data . 25 Methods. 26 The organisation of the thesis . 26 References . 28 . 33 Risk preferences, time preferences, indecisiveness and financial literacy: Laboratory evidence . 33 Abstract . 33. 33 Introduction . 34 Experimental procedure and summary statistics. 36 Measuring time preferences . 37 Measuring risk preferences . 38
Virtual Reality Game for Social Cue Detection Training

The ability to recognize social cues and knowing how to approach people can be important in many social situations. Not everyone develops this ability to the level required by certain jobs or even for carrying out daily societal functions. For instance, some people with autism spectrum disorder have difficulty recognizing facial expressions. Training for this typically requires actual situations, which may put a limit on the amount and kind of training people may get. A simulated environment specifically created for this purpose could mitigate some of these limitations. This thesis presents a prototype virtual reality game intended for training people in detecting social cues and how to initiate contact with strangers. The goal is to provide training professionals with a proof of concept tool that brings together a number of advanced technologies into a single system for further development. The goal of a participant in the game is to sell something to virtual humans walking around in a public place. Only some of the virtual humans are interested in buying and that can be seen in their nonverbal behavior. The behavior of the characters is based on research on nonverbal communication. In particular, behavior correlated with rapport such as smiling, nodding and direct body orientation as well as behavior shown when trying to avoid interaction. The result is a fully functional prototype where the user can interact with virtual humans and complete a sales task using both voice and head gaze as input. The system demonstrates basic functionality and concept of a final system, opening up potential for further development of character behavior, virtual human appearance, and interaction naturalness.
PATIENT TRUST ON THE HOSPITAL SERVICE DELIVERY SYSTEM

This research was conducted in 2016 to see the effect of the service delivery system on patient trust in private hospitals in Makassar. The number of patients used as respondents was 115 people, taken using purposive sampling technique, with several criteria set by the author. However, the results of this study indicate that a service delivery system consisting of contact personal and physical support has a positive and significant effect on patient trust
Privacy protection in a digital economy

The author wonders, what impact on the privacy of the human being is developing ahead of us digital economy, with the acquisition of new technology. Brings forth the most important legal standards in force and outlines future European plans for digital market development. It presents the role of cyberspace in the functioning of business and society, and addresses the risks associated with it, such as exclusion, poverty and social unrest. Looking for answers to the question of what decides about behavior or loss of privacy in virtual reality.
HODetector: The Hidden Objects Detection Based on Static Semantic Information Library Outside Virtual Machine

With the spread of malwares, the security of virtual machine (VM) is suffering severe challenges recent years. Rootkits and their variants can hide themselves and other kernel objects such as processes, files, and modules making malicious activity hard to be detected. The existed solutions are either coarse-grained, monitoring at virtual machine level, or non-universal, only supporting specific operating system with specific modification. In this paper, we propose a fine-grained approach called HODetector based on static semantic information library (SSIL) to detect the hidden objects outside VM. We have deployed HODetector prototype on Xen virtualization platform and used it to detect the processes, files, and modules hidden by rootkits. The experiment results show that HODetector is effective for different rootkits and general for Linux operating system with various kernels.
Explaining Customer Loyalty to Retail Stores

This chapter reassesses the process of how store customers become loyal to their stores; what are the core subprocesses generating customer store loyalty, and what contributing moderators enrich the final outcome. A new empirical research is designed to identify and test a parsimonious model of core relationships and moderators. The result is an explanation chain that incorporates relational variables, trust, and commitment to the traditional transactional one, customer satisfaction, and the moderating factors of the relational variables. The findings reveal that 1) customer commitment is the major contributor of explanation to true customer loyalty, significantly more than the contributed explanation of customer satisfaction, and 2) four cognitive attitudes and four affective attitudes significantly moderate the relational effects of trust and commitment on customer store loyalty and, thus, contribute, though in small amounts, to a stronger explanation. Explaining Customer Loyalty to Retail Stores: A Moderated Explanation Chain of the Process
MATHEMATICAL MODELLING OF FINANCIAL STABILITY OF PROCESSES OF THE COMPANY WORKING UNDER RISKS

The article proposes a mathematical model for estimating the probability of bankruptcy of a firm, existing under condition of uncertainty and targeted critical levels of its financial state. The subject of research is a large logistic company, working under risks of the international market. The article aims to examine the problems of a company's financial strength in the light of a breach in its work under condition of uncertainty and the issue of the irrational usage of its financial resources during a certain period of time. The data is analyzed by applying the process of a resource withdrawal from the resource container with linear trend and perturbations common for such a case. The advantage of this model is that it allows both to conduct the analytical research and to perform the modeling experiments. The data analysis over the period from 2014 to 2018 exposed the company profitability staggers caused by structure and value changes of the financial flows and, as a result, the bankruptcy risk. In this case it is necessary to develop a model, determining the probability of reaching the zero level of profitability using the business activity array data in consideration of the detected risks.
The Influence of Transformational Leadership on Entrepreneurship

-There is a need to build an enabling environment for entrepreneurs even in challenging contexts. -Entrepreneurial thinkers should unite so as to work in fragile contexts. Through training sessions like this, entrepreneurs will be empowered on how to build resilience. They will get to understand the challenges and opportunities that come with doing business for better performance. -Then they will build resilient businesses hence become strong entrepreneurs. -I would like to thank the Governor, county government of Kakamega for this timely initiative. I am sure entrepreneurs will be better placed to run their businesses even with greater business support. This forum will also lead to networks of strong entrepreneurs who will be discussing their challenges and successes. They will be programmed to associate and network since they are like-minded. -The training will also contribute to increasing the capacity of the government on specific entrepreneurial initiatives. Initiating such training is a clear indication that the county government is very much concerned about entrepreneurship to the point of getting involved.
Fiscal-Financial Vulnerabilities

The paper analyses the linkages from financial developments to public finances. It maps and discusses the transmission channels to fiscal variables. These channels include asset prices, financing conditions, balance sheets of banks, non-banks and central banks and international linkages. The study argues that the fiscal effects via each and all these channels can be very serious in magnitude and can put the sustainability of public finances at risk. However, there is only limited in–depth analysis of these channels and risks.
Factors influencing visual attention: a meta-analysis

ABSTRACT The goal of the present study is to conduct the first meta-analysis on the antecedents (top-down and bottom-up factors) and consequences (evaluation factors) of visual attention. In this research, 201 empirical articles were examined, with a total of 781 effect sizes highlighting the visual attention effect on consumption choices. An ordered synthesis of the different types of empirical results involving visual attention in the marketing area was performed. Our research deepens and describes the effects of top-down and bottom-up factors on visual attention, demonstrating the differences between the variables that compose them.
Determinant of Foreign Direct Investment Inflows in Asean Countries

Foreign Direct Investment (FDI) believed to be one of the instruments to reduce gap between the rich and the poor countries has considered Asian countries destination, including ASEAN Region. The aim of this study was to analyze factors affecting FDI in ASEAN countries (Cambodia, Indonesia, Malaysia, Philippines, Thailand, and Vietnam) during 2007-2016. The method used to analyze the data was multiple linear regression. The results indicated that market size, government integrity, and infrastructure quality positively affected FDI; wages and exchange rates negatively affected FDI; while, economic crisis had negative effect only in Malaysia. Meanwhile, economic openness, tax rate, and interest rate did not affect FDI inflow in ASEAN countries.
The Influence of Pressure in Detecting Financial Statement Fraud

This study examines the pressure factors that influence fraud on the financial statements of BUMN companies because of the case that happened to PT. KAI (Kereta Api Indonesia), which is one of the State-Owned Companies (BUMN) in Indonesia. To provide more comprehensive results, this study will investigate the effect of pressure from 3 pressure measurement theories in the company; external pressure, financial stability, and financial targets by using a different measurement proxy than before. The reason researchers use different measurement proxies is because to see how far the effects of each measurement of pressure on fraud in financial statements. Fraud research on the financial statements themselves is measured using the fraud score model (F-Scores). The population of this study is a State-Owned Enterprises (BUMN) from 2012-2016. The results show that (1) External pressure have positive effect on financial statement fraud with a significance value 0,000 < 0,05, (2) Financial stability have negative effect on financial statement fraud with a significance value 0,642 > 0,05, (3) financial target have negative effect on financial statement fraud with a significance value 0,923 > 0,05 in the State-Owned Enterprises on the Indonesia Stock Exchange (BEI) in 20122016.
Financing Common Goods for Health: A Public Administration Perspective from India

On average, higher per capita GDP is correlated with improved health outcomes. In parallel, improved population health also seems to foster higher GDP. Yet health and growth need not increase proportionately with one another, nor is this relationship universal. Patnaik highlights potential externalities resulting from growth that could negate efforts to improve population health: development itself can both increase and decrease certain health risks depending on how the process is planned, implemented and regulated. <br><br>Over the last 35 years, India’s GDP grew annually at 6.3% (doubling every 11 years or so) but population-based health indicators did not improve proportionally. Instead, new health risks emerged while old ones remained unresolved. Decades of rapid urbanization led to unsafe buildings, unplanned cities, bad drainage and sewage, dysfunctional garbage disposal systems, polluted air and water, among other issues. For example, with the construction of roads catering to high-speed traffic, accompanied by inadequate design of road safety systems, road accident fatalities have surged since 1999. Today, India’s disease burden is evolving into two streams. The first is the persistent poverty-related health agenda (e.g., malnutrition or high infant and maternal mortality). The second relates to growth that does not consider new health risks emerging from it (e.g., air pollution resulting from rapid urbanization or infrastructure built on areas prone to natural disasters). In both areas, the key policy response involves population-based government financed interventions that generate large societal health benefits, i.e., Common Goods for Health (CGH). Moving forward, CGH is therefore at the center of Indian health policy. In this commentary, we draw on India’s experience to decompose the overall CGH agenda and identify common obstacles that countries may face in financing such goods.
From Internal Evaluation toward Quality Assurance in Distance Higher Education of Iran

Iranian higher education (HE) includes two headquarters named Ministry of Science, Research and Technology and Ministry of Health and Medical education; it also contains about 1500 universities and HE institutions. There are presence and distance courses in HE. But because of the existing variety and flexible courses in distance education it attracts considerable notice to itself. This kind of education is mainly fulfilled through Payam-e-nour University (PU). Therefore, expansion of this education necessitates an evaluation of its quality and assurance system. PU with having 45 involveddepartments4 is considered among universities providing distance education. Results of doing internal evaluation (IE) in departments of this university indicate the requirement of university attention to its input, process and output quality. Considering the diffuseness in educational region and centre of this university, existence of inequality in educational, studious and professional service exposure is unavoidable; however these cases with the mechanism of evaluation and accreditation could be recognized, and through their recognition or reduction, quality improvement would be possible. Hence, after reviewing of Iranian HE, with emphasizing on internal evaluation, achievements of one decade quality management in HE in general and in distance education in particular will be discussed.
MACRO-ECONOMIC FACTORS AFFECTING PERFORMANCE OF FIRMS LISTED IN NAIROBI SECURITIES EXCHANGE

The objective of this study was to examine the macro-economic factors affecting performance of firms listed in Nairobi Securities Exchange. The study targeted the firms listed in NSE. The study was anchored on flow oriented model, Mckinnon and shaw theory and Keynesian economic theory. Specifically the study looked at how money supply, inflation rate, exchange rate and interest rate affect performance of firms listed in NSE. The study adopted a descriptive survey research design. The population of this research consisted of the 20 companies listed and included in the Nairobi Securities Exchange 20 Share Index . A sample of 95 respondents was derived using formula proposed by Yamane. Data collection was done through the use of closed-ended questionnaires. The data was summarized and tabulated using descriptive measures. Data was analysed using descriptive statistics and inferential statistics where multiple regression analysis and correlation analysis was done on the data. SPSS version 23 was used to generate quantitative reports. From the research findings, the study established that supply of money in the market inversely affects performance of the firm. The study concluded that the government had put measures to curtail depreciation of Kenyan currency. The study concluded that exchange rate depreciation can cause decline in stock returns and that stable currency creates confidence in investors. Finally, the study concluded that interest rate causes efficient utilization of resources in the promotion of economic growth and development. The study recommended that the listed firms should lobby the government through Central Bank to plan in advance and influence supply of money in the market so as to ensure that there is enough money to conduct trade in the economy. Key Words: money supply, inflation rate, exchange rate, interest rate, Firm Performance CITATION: Mureithi, S. , Mukhongo, A. , & Datche, E. (2019). Macro-economic factors affecting performance of firms listed in Nairobi Securities Exchange. The Strategic Journal of Business & Change Management, 6 (3), 860 – 874.
Web application for the analysis of assessment tests

Introducao: Um teste de afericao permite a avaliacao de uma dada competencia ou capacidade de um individuo. Estes testes sao importantes quer no âmbito de instituicoes de ensino, quer no âmbito empresarial para o recrutamento de recursos humanos. Objetivos: O artigo tem como principal objectivo apresentar a aplicacao web designada "Evaluate" para a analise de testes de afericao. Metodos: Descreve-se o desenho e implementacao da aplicacao que permite fazer a gestao de questoes ou itens de afericao, a partir dos quais e possivel a construcao de testes de avaliacao. A partir dos resultados dos alunos na resolucao desses testes, sao calculadas as principais estatisticas descritivas usadas na analise de testes de afericao das aprendizagens ao abrigo da teoria classica dos testes. A aplicacao “Evaluate” foi desenvolvida em Python usando a framework Django e foi testada com provas de afericao reais. Resultados: Para cada teste sao atribuidas cotacoes aos itens e, a partir das respostas dos alunos, sao obtidas diversas estatisticas tais como: indice de dificuldade e de discriminacao, correlacao ponto-bisserial, coeficiente de consistencia interna do teste. A aplicacao permitir ainda a analise grafica do desempenho dos alunos por cada item e no teste como um todo. Conclusoes: A aplicacao “Evaluate” e uma ferramenta que contribui para um melhor conhecimento dos instrumentos de afericao usados na avaliacao de conhecimentos, permitindo identificar inconsistencias e consequentemente introduzir melhorias no processo.
Three-Dimensional Image Sensing and Visualization with Augmented Reality

In recent decades, there have been significant technological advancements in sensors, devices, materials, algorithms, and computational hardware, resulting in extensive improvements for visualization capabilities applied to real world objects. Among these improvements, three-dimensional (3D) imaging technologies have received interest from many research groups and may offer advantages over conventional two-dimensional (2D) approaches. In comparison with 2D sensing techniques, which record only the intensity of the scene, passive 3D imaging also includes depth and directional information. Many techniques for 3D imaging have been proposed, such as holography and interferometry, time-of-flight, two-view based stereoscopy, and multi-view techniques for autostereoscopic 3D imaging, to cite a few. This dissertation will focus on novel aspects of integral imaging based multi-view 3D imaging systems, 3D information processing and visualization in three separate parts. In the first part, two concepts for integral imaging based dynamic 3D imaging are presented. Xin Shen, University of Connecticut, 2018 First, an extended depth-of-focus 3D micro display is presented by using a bifocal liquid crystal lens. Second, a head tracking 3D display is presented by means of proper application of the smart pseudoscopic-to-orthoscopic conversion (SPOC) algorithm. In the second part, novel 3D imaging systems and 3D image processing approaches are proposed. First, the recent progress of integral imaging based Multidimensional Optical Sensing and Imaging Systems (MOSIS) is presented for object recognition, material inspection, and integrated visualization, etc. Second, 3D profilometric reconstruction using flexible sensing integral imaging with automatic occlusion removal is presented. Third, spatial-temporal human gesture recognition under degraded conditions using 3D integral imaging is presented. In the third part, approaches for 3D sensing and visualization with Augmented Reality (AR) are presented. First, an AR based approach for optical visualization and object recognition using 3D axially distributed sensing (ADS) is presented. Second, we present an eye fatigue-free 3D augmented display using lenslet based integral imaging. Lastly, a dynamic 3D imaging system based optical see-through augmented reality display with enhanced depth range of a 3D augmented image is presented to reduce the accommodationconvergence mismatch problem.
The Pantawid Pamilya: A TEPA Analysis of the Philippine Poverty Reduction Strategy

The Government of the Philippines, through the leadership of the Department of Social Welfare and Development (DSWD) implemented a Conditional Cash Transfer (CCT) Program dubbed as Pantawid Pamilyang Pilipino Program. Aside from providing income support to extremely poor households that would encourage them to increase investments in their children‘s human capital, 4Ps will serve as the lead vehicle through which the many cross-cutting issues (e.g. targeting, monitoring and evaluation) will be addressed (4Ps Concept Paper, 2009). The effectiveness of the program lies on its impact toward its target clientele. Using the Technical-Economic-Political-Administrative (TEPA) format, this study sought to examine the premise that whether or not the 4Ps has successfully delivered its intended purpose in poverty alleviation. A focused group discussion (FGD) among the different stakeholders involved with the policy was conducted to assure the appropriate distribution of weights in all the criteria involved. Since policy analysis determines which of the various alternative policies will most achieve a given set of goals based upon the probable impact of each, 3 alternative options were considered in the study to wit: Option 1- 4Ps, Option 2- India‘s poverty alleviation scheme, and Option 3 is the combination of PantawidPamilya and India model. There are myriad possibilities for the persistence of poverty even in the midst of economic growth. Policy makers and analysts should be sensitive to geographical, political and cultural conditions that each play a role. Poverty alleviation must go hand in hand with measures to increase national income. More than the Conditional Cash Transfer that provides short term assistance, enhancement of skill to strengthen labor market and employment guarantee should also be a prime strategy to reduce poverty.