Miracle-dz/UniFAR-FTUs huggingface dataset:
Investigating the Introduction of a Regulatory Fintech Advancement Designed to Reduce Limited Attention Regarding Inactive Saving Accounts – Data, Survey, and Field Experiment

Dynamic global job markets and the increasing variety and complexity of worldwide retirement savings systems resulted in many lost and forgotten retirement savings accounts. This paper uses proprietary data, survey data and a field experiment to study the introduction of a unique fintech advancement – a centralized new website created by the Israeli regulator to help individuals find inactive retirement savings accounts and close them (i.e., withdraw the savings or transfer them to active accounts). The website lowered the information search costs. This regulatory fintech advancement was complemented with a new tax exemption designed to encourage the closing of inactive accounts in provident funds because of new minimum fees that came into effect. The government’s efforts reduced limited attention but did not eliminate it: Proprietary data indicate that those who closed the inactive accounts live in proximity to the country’s urban economic centers and in areas with a higher socioeconomic index than those who retained them. Survey data indicate that those who lacked financial literacy and confidence in their financial knowledge (proxies for costs) were less likely to act. The results of a controlled field experiment indicate that an intervention with a human touch can promote greater involvement and suggests that part of the limited attention is behavioral.
Eating habits among consumers between 20-30 years in Slovak Republic and Spain

Kališová, L. Eating habits among consumers between 20-30 years in Slovak Republic and Spain. Diploma thesis. Brno: Mendel University, 2017. The Diploma thesis evaluates food preferences and eating habits among young people between 20-30 years from Slovakia and Spain. It looks at the factors that influence the consumer behaviour, eating habits and how the consumers behave during their purchase in two different countries. The Diploma thesis brings the results from the research obtained from the questionnaire survey conducted in April 2016. The results obtained from the research are formulated into recommendations for economic subjects that deal with food marketing to fulfil the deficit in the mean of healthy food.
THE INFLUENCE OF OWNERSHIP STRUCTURE ON AUDIT FEE

The aim of the research was to analyze the effect of managerial ownership, foreign ownership, government ownership, ownership concentration, and percentage of shares of multiple large shareholders on audit fees. The independent variables were managerial ownership, foreign ownership, government ownership, ownership concentration, and percentage of shares of multiple large shareholders; while, the independent variable was audit fees. All non-financial companies listed in the Indonesia Stock Exchange in 2013-2015 were sampled. Proportionate stratified random sampling was applied to 207 sampled companies verified using slovin formula and multiple regression analysis to test the hypothesis of the research. This research found that the managerial ownership and the percentage of multiple large shareholders were negatively affected audit fees. Moreover, government ownership positively and significantly influenced audit fee; while, foreign ownership and ownership concentration had no significant effect on audit fee.
International Financial Reporting Standards Adoption and Liquidity Performance of Food and Beverages Listed Companies: Empirical Evidence from Nigeria

Despite the relevance and adaptations of International Financial Reporting Standard (IFRS) in Nigeria, the literature indicates very few studies have attempted to investigate the effect of IFRS adoption to the firm’s performance, specifically, the relationship between IFRS adoption and liquidity performance of food and beverages listed companies in Nigeria. The literature suggests that there is not only limited information on the impact of IFRS adoption but also little research in this important area of study. Based on this information and research gab, the objective for the study is to investigate the effect of IFRS adoption on liquidity performance of food and beverages listed companies in Nigeria. By using Secondary data was collected from the annual reports of the sample companies. Multiple ordinary least square (OLS) regression was used to analyse the data collected from the audited financial statements of the sampled companies. I-T test and J-T test were also applied to test for any significant increase in firm performance after the adoption of IFRS. The analysed result showed that there is significant relationship between IFRS adoption and liquidity performance of food and beverages companies listed in the NSE. The implication of this study is that, the practice of the adoption of IFRS should be given more emphasis by organisations in Nigeria. The finding of the study indicates that, organisations that adopt IFRS would be able to improve their liquidity performance.
Optimización de Portafolios de Inversión con Algoritmos Genéticos

Los inversionistas buscan maximizar el rendimiento de sus acciones con el minimo riesgo, situacion que se torna compleja. El objetivo del trabajo de investigacion, es generar portafolios de inversion conformados por acciones de las empresas nacionales emisoras que participan en la Bolsa Mexicana de Valores para el segundo semestre de 2018. La metodologia se basa en aplicar algoritmos geneticos, a un modelo matematico lineal, para conformar portafolios eficientes que establezcan el monto optimo de inversion en cada uno de los instrumentos financieros seleccionados, ademas de generar diversificacion. Despues de varias pruebas con el algoritmo genetico, el portafolio optimizado quedo conformado por acciones de las empresas: Alsea, Arca Continental, Autlan, Banco del Bajio, Banorte, Cemex, G Mexico, Mexichem, Penoles, Pinfra y Vitro. Al invertir las cantidades calculadas en cada una de las acciones, de las emisoras, se obtiene un rendimiento optimo con diversificacion.
Content is King: How SMEs Create Content for Social Media Marketing Under Limited Resources

Despite the growing literature dealing with social media marketing (SMM) in small and medium-sized enterprises (SMEs), one area that has not been fully explored is the creation of the content itself. SMEs typically do not have the same resources available that larger companies possess. Therefore, they have to find alternative ways to compensate for this weakness. This study analyzes SMEs’ SMM content creation, specifically on Facebook. By first scanning existing literature for essential factors for content creation, a theoretical foundation for the empirical part is presented. A qualitative approach was applied through the use of semi-structured interviews with eight SMEs. The findings suggest that it is difficult for most SMEs to efficiently use available resources, but also that minimal resources are required to create engaging content. Moreover, SMEs are typically aware of the majority of elements that influence content creation, at least to a certain extent, and that they should have established processes and routines to overcome the burden of limited resources. The study concludes with directions for future research and practical recommendations.
A benefits framework for public access ICT4D programmes

There have been expectations across the developing world that information and communications technologies (ICTs) will deliver benefits to marginalised people. Despite many programmes related to the promotion of Internet uptake and usage amongst poorer communities, evidence regarding such benefit is lacking, and there is little agreement in respect of frameworks and metrics to evaluate the benefits thereof. This paper reports on a case study that investigated the nature of a public access information and communication technologies for development (ICT4D) programme and presents a framework for assessing the associated benefits in the South African context. The capability approach is used as a lens to assess the process of providing opportunities to ordinary citizens through ICT access and use. By operationalising agency and conversion factors, the study identified inhibitors and enhancers of opportunities and choices in realising benefits. Through the application of a critical realism paradigm and a mixed method analytical approach, perceptions of a changed life, aspirations for a better life, and “hope” emerged as key intangible benefits. The paper presents an ICT benefits framework, which serves as an important contribution to the ICT4D evaluation field. A novel outcome of the study is that it provides evidence of constructs that to date have been considered as intangible benefits in the literature.
Strengthening the Beef Cattle Farmer-Based Organization in Partnership System of Maiwa Breeding Center

Abstract.This research aimed to study improvement of beef cattle farmer-based organization in partnership system of Hasanuddin University Maiwa Breeding Centre. The research population was 75 farmers with a sample of 43 respondents whose determination was carried out in descriptive statistics using the Slovin formula. The sampling technique was carried out by simple random sampling. Observation data retrieval techniques are direct observation on MBC Unhas locations and in-depth interviews using structured questionnaires. The analysis was carried out quantitatively descriptively using descriptive statistics (frequency distribution table). As a result, the improvement strategy on resource (R), organization (O), and norm (N) aspects was perceived as less effective in achieving strengthen beef cattle farmer-based organization in partnership system of Maiwa Breeding Center.
Fiscal decentralization in villages: high nepotism low capacity

Fiscal transfer of nearly one billion to the village accounts made the struggle for village heads tense. This tension is because the legacy of the village founder (huta), who is the basic foundation of village governance in the past, has to deal with liberal democracy in the practice of the current election of village head. Collective communitarian democracy as a feature of self-governing capacity at the village level has not been completely abandoned, but it has to carry out individual liberal democracy at the same time . In general, village heads in the two sub-districts of this study have participated in capacity building related to their duties and functions such as the preparation of the Village Medium Term Development Plan (RPJM-Desa), Village Regulations (Perdes), except the establishment of Village Owned Enterprise (Bumdes). Even so, the village documents are only slightly stored in the files of each village. The kinship politics of the village apparatus (village head, village secretary, village treasurer) as well as between village apparatuses, namely the Village Government Agency (BPD), were marked by a very close relationship. This kinship politics is because they are the first clan of the village. This village is only inhabited by the descendants of the clan group, and there is almost no imigration. The political implication of this kinship is a reluctance to monitor each other (both intra and between village units) when power abuse occurs.
Adaptations without delay : a guide to planning and delivering home adaptations differently

This publication, commissioned by Royal College of Occupational Therapists from the Housing LIN, demonstrates how adaptations can be delivered in all four UK nations with the individual at the centre. The document highlights how occupational therapists add value to the process, as well as the rationale for when they are needed due to complexity of individual circumstances. Consulted on widely with a range of stakeholders including home improvement agencies and housing associations; this important guidance will assist social care and housing managers as to how adaptations can best be provided locally.
Relationship between Hospital Governance and Health Records Management: A Study of the Shai-Osudoku and Kumawu Districts Hospitals.

xv CHAPTER ONE . 1 1.0 INTRODUCTION . 1 1.1 RESEARCH BACKGROUND . 1 1.1.1 Defining Governance . 1 1.1. 2 Clinical Governance . 3 1.1. 3 Hospital Governance . 4 1.1. 4 Hospital Governance in Ghana . 5 1.1. 5 Records Management . 5 University of Ghana http://ugspace.ug. edu.gh
Family Ownership and Antitrust Violations

We study how family ownership shapes the firms' likelihood of being involved in antitrust indictments. Using data from Italy, we show that family firms are significantly less likely than other firms to commit antitrust violations. To achieve identification, we exploit a law change that made it easier to transfer family control. Studying the mechanisms at play, we find that family firms are especially less likely to commit antitrust violations when they feature a more prominent size relative to the city where they are located, which magnifies reputational concerns. Next, we show that family firms involved in antitrust violations appoint more family members in top executive positions in the aftermath of the indictment. Moreover, these firms invest less and curb equity financing as compared to nonfamily firms. Collectively, our findings suggest that family control wards off reputational damages but, at the same time, it weakens the ability to expand in order to keep up with fiercer competition following the dismantlement of the anticompetitive practice.
Keeping an eye on the context: participatory development of eHealth to support clinical practice

In her thesis titled: ‘Keeping an eye on the context: Participatory development of eHealth to support clinical practice’, Jobke Wentzel describes the approach she followed to support clinical practice regarding antimicrobial use and patient safety. eHealth, the use of information and communication technology, holds a great potential in timely supporting health care workers with information at the bed-side or during regular tasks. In the research supporting this thesis, reasons for not benefitting from this eHealth potential were uncovered. Most importantly, information systems were found to be ill-fitted to the actual clinical practice and HCW tasks: they are expert instead of practice driven. By applying a human-centered design approach, following the CeHRes roadmap, an antibiotic information application for nurses was developed and tested. During this development, both the target group (nurses) as other stakeholders (e.g., pharmacists, microbiology experts) were involved during iterative development cycles.The studies showed that keeping an eye on the context, and ensuring it matches information needs and work practice, results in better task support and more efficient information use. Moreover, the applied methodology revealed insights into antibiotic-related tasks and responsibilities, beyond the reach of the application itself. In this sense, developing an eHealth application was not a goal in itself. It was a means to improving and advancing healthcare and patient safety.
Caracterización clínico molecular en pacientes con atrofia muscular espinal Molecular and clinical characterization of patients with spinal muscular atrophy

Spinal muscular atrophy (SMA) is a neuromuscular disease of autosomal recessive inheritance with variable expressivity characterized by degeneration and loss of neurons in the anterior horn of the spinal cord and brainstem, resulting in progressive symmetrical muscle weakness. SMA is caused by homozygous mutations in the SMN1 gene. The aim of this study was to review the clinical and molecular characteristics of five
The Effect of Financial Compensation and Job Satisfaction Against Turnover Intention at Muhammadiyah Hospital Employees Palembang

The purpose of this study is to analyze the influence of Financial Compensation and Job Satisfaction on Turnover Intention At Muhammadiyah Hospital Palembang. Design research based on the environment of study, research included in the field of field research design. The researcher focused the attention of the phenomenon that existed in the field so that the involvement of the researcher was directly limited to the observations as the material of cross information obtained from the object. Research location of Muhammadiyah Palembang Hospital, with 86 samples of medical and non medical employees. Technical analysis used: Validity and reliability test, Multiple Linear Regression Analysis, Hypothesis Testing (F test and t test) The result of Analysis stated that there is significant influence of financial compensation and job satisfaction together to turnover intention. And partially significant effect of job satisfaction on turnover intention. While financial compensation has no effect on turnover intention
Diagnosis and treatment of halitosis.

: Diagnostic and treatment services for patient complaints of "bad breath" are currently being offered in many dental offices. There are no accepted standards of care for these services, and clinical protocols for the diagnosis and treatment of breath malodor vary widely. This article attempts to review the biological and psychological bases of patients' complaints of bad breath and to describe a clinical protocol for the evaluation and treatment of such complaints. This protocol resulted in a 99% success rate in eliminating objectively measured breath malodor. However, 24% of patients continued to believe that at least some of their bad breath persisted after treatment. The merits of various diagnostic procedures are discussed in light of the psychogenic component of the symptomatology of halitosis sufferers.
Effect of Growth Drivers on Cooperative Societies

A cooperative society has remained a major concern especially in the developing countries like Nigeria. This study was born out of necessity to provide answers to fundamental questions raised on cooperatives societies. The objectives of this research was to ascertain the significant relationship between growth drivers and cooperative societies and to investigate significant relationship between cooperative societies and growth drivers such as interest rate, savings plan and to determine if amount borrowed has assisted to increase welfare and satisfaction of members. The primary data was gathered using structured questionnaire. The survey method was used and a cross-sectional design was adopted. The two institution chosen are the Federal University of Agriculture, Abeokuta (FUNAAB), and Covenant University (CU). Total population of the selected cooperative society in FUNAAB is 573 and the total population of the selected cooperative society in CU is 697. The data was analysed using statistical package for the social sciences, (SPSS). It also made use of analysis of variance (ANOVA), Simple linear regression analysis was used to test hypotheses one and correlation analysis was employed to test hypothesis two. The study indicate that interest rate of cooperative societies is a significant predictor of patronage of the cooperative, it was revealed that there exist a relationship between loan repayment periods, savings plan and the satisfaction of members of the cooperative The study recommended the need for the improvement in the performance of the cooperative societies.
A Mapping of Job Opportunities for Indonesian Migrant Workers in the Malaysian Manufacturing Industry

This paper aims to place Indonesian migrant workers based on a mapping from the estimation of the demand function of foreign workers and the efficiency of production costs. The demand function of foreign workers and the function of production costs are obtained through a derivation in the function of Constant Elasticity of Substitution (CES) production. The mapping of Indonesian migrant workers placement applies five scenarios by the assumption that local wage constantly increased using panel data from the Malaysian manufacturing industries, period 2002-2015. The result found that the relationship of all foreign workers with local workers at various levels of skills in the manufacturing industry is substitution. The priority for high-skilled which is a priority for placing Indonesian migrant workers is manufacturing industries with CA code and CI code, middle-skilled is manufacturing industries with CB code, CI code, and CJ code, low-skilled is manufacturing industries with CA code, CL code, and Other manufacturing industries.
FACTORS INFLUENCING INVESTMENT DECISION MAKING IN SWIFTLET RANCHING INDUSTRY: THE CASE OF GUA MUSANG AND JOHOR BAHRU

The edible bird nest industry is an entry point project under the Malaysian Transformation Plan. The number of swiftlet houses has increased three and a half folds from 2011 to 2016 but with this trend swiftlet houses, failure ranged from 70 to 80 percent. This study focuses on understanding the investors’ behavior in this industry and on determining factors that are influencing their investment decision. The basic framework of analysis is the investor behavior theory by applying for the formative first order Partial Least Squares-Structural Equation Modelling model. The data collected from 180 ranchers randomly interviewed from two districts namely Johor Bahru and Gua Musang. The result revealed that heuristic is a first decision construct that has the highest impact on investment decision making followed by market, herding and prospect decision construct.
Riskmanagement Design on Village's Financial Activities: A Case Study of Barabali Village, Central Lombok

This study aims to develop risk management in a village’s financial activities. Such management is aimed at assisting villages, local governments and even the central government in looking at the village’s financial condition and providing solutions to control problems found in its financial activities. This research uses a qualitative method. The data used in this study are primary and secondary data. The primary data was collected through interviews and observation. The secondary data was obtained through documentation and a literature study. The risk management concept from the Project Management Institute is used in this paper. The impact and possibilities’ scale are adopted from the Ministry of Finance's risk guidelines, as are the level and risk appetite. Two theoretical parameters are adopted in the research by considering the conformity of a village in using them. The second one, agency theory, is used to see the role of principal and agent in village’s financial activities. This research shows how risk management may help villagers manage their financial activities. This instrument can be used by the relevant regional work unit (OPD) in evaluating villages. Additionally, the result of the study can be used as a groundwork plan in conducting an audit by government internal supervisory apparatus (APIP). Keywords—Risk management, risk, control, village
Explaining Differences in the Flow-Performance Sensitivity of Retail and Institutional Mutual Funds—International Evidence

We use data from 13 countries to study differences in the flow-performance sensitivity between institutional and retail investors. Our results show marked differences between non-US and the US in how institutional and retail investors react to past performance. Compared to retail investors, institutional investors sell more poor performers and buy less top performers outside the US, while there is no difference in how institutional and retail investors react to past performance in the US. When we split our sample into countries with more and less sophisticated investors, our results also show significant differences in the flow-performance sensitivity of institutional and retail investors. Overall, our findings are consistent with institutional investors being more sophisticated than retail investors but only in countries where investors are on average less sophisticated.