Reviewerly/exHarmony huggingface dataset:
Learning to Navigate a New Financial Technology: Evidence from Payroll Accounts

How do inexperienced consumers learn to use a new financial technology? We present results from a field experiment that introduced payroll accounts in a population of largely unbanked factory workers in Bangladesh. In the experiment, workers in a treatment group received monthly wage payments into a bank or mobile money account while workers in a control group continued to receive wages in cash, with a subset also receiving an account without automatic wage payments. We find that exposure to payroll accounts leads to increased account use and consumer learning. Those receiving accounts with automatic wage payments learn to use the account without assistance, begin to use a wider set of account features, and learn to avoid illicit fees, which are common in emerging markets for consumer finance. The treatments have real effects, leading to increased savings and improvements in the ability to cope with unanticipated economic shocks. We conduct an additional audit study and find suggestive evidence of market externalities from consumer learning: mobile money agents are less likely to overcharge inexperienced customers in areas with higher levels of payroll account adoption. This suggests potentially important equilibrium effects of introducing accounts at scale.Institutional subscribers to the NBER working paper series, and residents of developing countries may download this paper without additional charge at www.nber.org.
APPLICATION OF FRACTAL MODELING BASED ON REMOTE SENSING DATA FOR DETECTING IRON MINERALIZATION IN DEHSHIR–BAFT FAULT, WEST OF CENTRAL IRAN

Part of Dehshir–Baft Fault is located on the 1:100000 Sarvbala geological sheet west of Yazd Province in Iran on the Urmia–Dokhtar magmatic–mineralization zone. Regions with iron mineralization potential on this sheet were detected by identifying alterations and fault trends by processing ASTER satellite images. Images were processed using the false color composite (FCC), Crosta, LS-Fit, and spectral angle mapper (SAM) methods to identify iron oxide, argillic, ­­­­propylitic, and phyllic alterations. To find out the role of faults and lineaments in mineralization, the general faulting trend on this sheet was extracted by relief shading on the digital elevation model (DEM), and the fault zones were examined through field operations. Regions with high iron potential were identified by integrating the fault layers, alterations, and mineralization-related geological units in ArcGIS. The identified regions were then validated through field operations. The relationship between the distance of iron oxide alterations obtained from the LS-Fit method with the main fault was evaluated by the fractal method. The results showed the location and more significant relationship of iron potential with faults in the south and southwest of Sarvbala sheet than other regions.
Implementasi Algoritma Elgamal Dengan Pembangkit Bilangan Prima Lehmann Dan Algoritma Least Significant Bit (LSB) Dengan Cover Image Bitmap Untuk Keamanan Data Text

Encryption is the process of securing an information by making the information into a random form so that the information content cannot be read or understood. Algorithms used for encryption have evolved, ranging from classical algorithms to modern algorithms. But encryption still has weaknesses, one of which is the result of encryption will produce a random character which will raise suspicion that the information is important information. Cryptanalysis is a technique used to solve cryptography, where random data can be returned to the original data, so cryptography is not entirely safe. Because of these shortcomings, data security techniques are also developed by inserting information into media such as images or videos so that the information is not visible, the technique is called steganography. Steganalysis is a technique used to find out whether an image has information that is inserted, so that with this technique steganography is not fully safe.
Peningkatan keterampilan berpikir elaboration melalui penerapan model think pair share (tps) dalam pembelajaran ips kelas V sekolah dasar

&lt;p&gt;The aim of this research is for impoving the elaboration thinking skills by applying think pair share learning model in Social Sciences lessons. This research is Classroom Action Research with two cycles action and each cycles had 4 stages that is planning, action, observation, and reflection. The subjects of this research were students of grade 5th at SD Negeri Jajar 1 No.73 Surakarta on the 2019/2020 academic year with total 27 students. The data collection techniques of this research is the form of interview, observation and elaboration thinking skill tests, and also document studies technique. This research used Miles and Huberman interactive analysis models for the data analysis. The outcome of this research after applying the action was increased from the first condition 58,11 (37%) to 73,74 (52%) in the first cycle, 85,10 (85%) in the second or the last cycle. Based on the outcome of this research, the conclution is the elaboration thinking skills of grade 5thelementary school students in social science learning can be increased after implementing the Think Pair Share learning model.&lt;/p&gt;
Pemodelan Sistem Informasi untuk PT. Ramayana Lestari Sentosa, Tbk Menggunakan TOGAF 9.1

Modeling information systems using the TOGAF 91 Framework for PT. Ramayana Lestari Sentosa, Tbk. which does not yet have an information system and enterprise architecture planning in running its business processes. The theory used is information systems, corporate architecture, UML and TOGAF 9.1. Sources of data obtained through interviews with the companies concerned. Modeling is designed based on the TOGAF ADM framework starting from preliminary phase to phase D. Preliminary is architectural preparation, phase A discusses architectural vision, phase b concerns business architecture, phase C discusses application and data architecture, and phase D is architectural technology.
Is blockchain normatively acceptable

Blockchain promises to solve many problems and bring important innovations. Strangers can do business with each other in confidence, traditional intermediaries such as banks would no longer be needed, grass roots initiatives, such as markets for low value services may be set up, crowd-funding could be set up without much overhead etc. In order to deliver on its promises, a blockchain constrains behavior and sets and enforces norms. Data stored on the blockchain cannot be changed, smart contracts are executed exactly as coded, crypto-currency belongs to whoever has the private key (whether he is authorized to use or not), the mere fact that data is stored on the blockchain gives an aura of correctness that can be difficult to contest. These norm setting and constraining properties of blockchain raise questions about the acceptability of blockchain. This article aims to ask attention for the often overlooked acceptability issues of blockchain.
ATRM: Attention-based Task-level Relation Module for GNN-based Few-shot Learning.

Recently, graph neural networks (GNNs) have shown powerful ability to handle few-shot classification problem, which aims at classifying unseen samples when trained with limited labeled samples per class. GNN-based few-shot learning architectures mostly replace traditional metric with a learnable GNN. In the GNN, the nodes are set as the samples embedding, and the relationship between two connected nodes can be obtained by a network, the input of which is the difference of their embedding features. We consider this method of measuring relation of samples only models the sample-to-sample relation, while neglects the specificity of different tasks. That is, this method of measuring relation does not take the task-level information into account. To this end, we propose a new relation measure method, namely the attention-based task-level relation module (ATRM), to explicitly model the task-level relation of one sample to all the others. The proposed module captures the relation representations between nodes by considering the sample-to-task instead of sample-to-sample embedding features. We conducted extensive experiments on four benchmark datasets: mini-ImageNet, tiered-ImageNet, CUB-200-2011, and CIFAR-FS. Experimental results demonstrate that the proposed module is effective for GNN-based few-shot learning.
Penerapan Text Mining Dengan Menggunakan Metode TF-IDF Untuk Menentukan Genre Dari Komik

Comics are literary works whose story descriptions are displayed in the form of pictures and in the story there is one character who is favored. The division of comics into genres is less effective, because the words represent inappropriate genres. Therefore we need a system that can determine the genre of a comic automatically due to the many genres of the comic. This study uses text mining and TF-IDF for the process of determining the comic genre. Text mining can be defined as the discovery of new information that was previously unknown to computers by extracting automatic information from different sources. Meanwhile, resource data is used as a reference in determining the comic genre. In this study, comics were divided into 4 categories: horror, inspirational, mystery and romantic. The text entered is in the form of title, author, and synopsis. This synopsis will be processed to produce a comic genre. The first process is the process of document preparation and document selection. Then proceed with the word weighting process using TF-IDF, then determining the genre of comics is done by comparing the similarity value between the text and a node in the resource data. The text obtained will be classified in an existing genre or node, if it has the highest similarity value in one of the nodes in the data resource. It is hoped that the system to be built is in accordance with the expectations of researchers, so that the system to be built can determine the genre of a comic. Keywords : Classification, Comic, Text Mining, Resource Data, TFIDF
EVALUASI USABILITY MICROSOFT TEAMS MENGGUNAKAN SYSTEM USABILITY SCALE DI STMIK MIKROSKIL MEDAN

The COVID-19 pandemic requires teaching and learning activities that were previously carried out face-to-face to be implemented in the form of Distance Learning. This causes the use of eLearning in STMIK Mikroskil to increase rapidly, so STMIK Mikroskil decided to start implementing a collaborative software, namely Microsoft Teams. In using Microsoft Teams, some students are still confused about using the Microsoft Teams application. Usability evaluation of Microsoft Teams using the System Usability Scale (SUS) is done as a first step to assess the success of implementing Microsoft Teams. Based on the results of the SUS questionnaire, it was obtained a score of 72 with a “Good” rating and a letter grade “B”.
Implementing RNN with Non-Randomized GA for the Storage of Static Image Patterns

The hybridization of evolutionary technology has been extensively used to enhance the performance of recurrent type neural networks (RTNN) for storing patterns and their recalling. Several experiments have been done to link evolutionary processes such as genetic algorithm (GA) with RTNN regarding the connection weight among the processing elements. This integration strengthens the efficiency of the Recurrent neural network (RNN) to effectively recall the increased capacity and patterns of sample storage to reduce the flaw of local minima. Bipolar product rule (BPR) has been applied predominantly for pattern storage, and GA are further used to develop the weight matrix to explore the global optimal solution reflecting the correct invocation of the storage pattern. Here, Edge Detection (ED) and self-organizing map (SOM) methods are applied for the purpose of feature extraction. The modified BPR and GA have been employed to store patterns, and recalling respectively. The proposed hybrid RTNN performance is examined for the handwritten Greek symbols.
Peningkatan keterampilan menulis deskripsi melalui strategi directed writing activity (dwa) siswa kelas IV sekolah dasar

&lt;p&gt;&lt;strong&gt;Abstract.&lt;/strong&gt;&lt;em&gt; Description writing skills are language skills that are very important for students. The skill of writing descriptions is closely related to the ability to produce ideas or ideas into writing to compete globally. The purpose of this study is to improve description writing skills using the Directed Writing Activity (DWA) strategy. This type of research, classroom action research with the application of two cycles and consists of two meetings. Each consists of four steps, namely the planning cycle, action, observation and reflection. Data was collected using several techniques such as observation, interviews, documentation and test writing descriptions. Interactive models are used to analyze data. Assessment in the study showed that the teacher's performance and writing skills of the students' description improved continuously. Referring to the results, it can be concluded that through the directed writing activity (DWA) strategy improves the writing skills of grade IV students' descriptions.&lt;/em&gt;&lt;em&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;Keywords:&lt;/em&gt;&lt;/strong&gt; &lt;em&gt;description writing&lt;/em&gt;&lt;em&gt;, &lt;/em&gt;&lt;em&gt;Directed Writing Activity (DWA),&lt;/em&gt;&lt;em&gt; elementary school&lt;/em&gt;&lt;em&gt;&lt;/em&gt;&lt;/p&gt;
Smart Wearables for Athletes

Wearable technologies is an emerging technology. The devices are networked to collect the data, track the activities then based on collected and tracked data customize the experiences to as per user’s requirements. Wearables consists of microchips sensors and wireless communication devices. The complete unit is mounted into cloths or consumer electronics, accessories. In these wearable’s sensors are mounted to measure temperature, heartrate, humidity, motion etc. Wearables find applications in all fields, such as agriculture, sports, healthcare navigation systems. Millions of athletes want to know their hydration needs for avoiding substantial consequences. With proprietary technology, developing a hydration sensor informs athletes’ hydration level. This wearable alarms the person when to drink water or hydrate by an indicator. The wearables provide a platform for single-use sensors for a range of applications that helps in consumer diagnostics. A wearable hydration sensor is designed to monitor hydration level that enables athletes to read and act on their hydration status in real-time.
How to Specify, Estimate, and Validate Higher-Order Constructs in PLS-SEM

Higher-order constructs, which facilitate modeling a construct on a more abstract higher-level dimension and its more concrete lower-order subdimensions, have become an increasingly visible trend in applications of partial least squares structural equation modeling (PLS-SEM). Unfortunately, researchers frequently confuse the specification, estimation, and validation of higher-order constructs, for example, when it comes to assessing their reliability and validity. Addressing this concern, this paper explains how to evaluate the results of higher-order constructs in PLS-SEM using the repeated indicators and the two-stage approaches, which feature prominently in applied social sciences research. Focusing on the reflective-reflective and reflective-formative types of higher-order constructs, we use the well-known corporate reputation model example to illustrate their specification, estimation, and validation. Thereby, we provide the guidance that scholars, marketing researchers, and practitioners need when using higher-order constructs in their studies.
PENERAPAN ALGORITMA REGULARIZED DISCRIMINANT ANALYSIS UNTUK KLASIFIKASI KANKER PARU

Lung cancer is a type of cancer that starts from the lungs with abnormal cell growth. Lung cancer is a type of cancer with the largest number of sufferers. In this research, Regularized Discriminant Analysis (RDA) analysis is used to classify the types of lung cancer that exist. Regularized Discriminant Analysis (RDA) is a generalization of Linear Discriminant Analysis (LDA) and Quadratic Discriminant Analysis (QDA). If the alpha parameter is set to 1, this operator performs an LDA. Likewise if the alpha parameter is set to 0, this operator performs QDA. Discriminant analysis is used to determine which variables distinguish between two or more groups that occur naturally. With an accuracy value of 60%, it can be ascertained the type of lung cancer suffered by patients for ease of care and treatment.
The Limits of Smart Contracts

This essay investigates the potential of smart contracts to replace the legal system as an infrastructure for transactions. It argues that (contract) law remains relevant in most transactions even if they are entirely structured by way of smart contract. The reason for this is that the power of smart contracts to create and enforce obligations against attempts by the legal system to thwart their execution is limited. These limitations are most relevant for obligations to perform certain actions outside the blockchain, but also apply to other obligations contingent on facts outside the records stored on the blockchain.
NoresteOnline: experiencia del CENUR Noreste en contingencia COVID-19

Abstract: On March 31, 2020, the Central Board of Directors of the University of the Republic (Udelar) established that teaching be organized sustained on digital platforms during 2020, ensuring the delivery of courses on this basis, in order to maintain the measures of physical distancing that the health emergency required In response to this circumstance, in the new CENUR Northeast, a group of teachers emerged, NoresteOnline, who decided to cooperate with organizational and methodological support for emergency remote teaching, in order to provide support to the actors with greater difficulties for the development of their work in such circumstances The objective of the group was to support the teaching team in the region in the design and redesign of online teaching and learning activities through actions, assistance and advice devices, promoting the development of a learning community, making use of open educational resources Actions aimed at organizing, designing and managing these resources and proposing teaching activities according to needs identified It was also a specific objective to present various initiatives to maintain contact with students virtually, especially aiming at those who are entering the university for the first time This work shows the way that the CENUR Northeast teaching community managed to respond to the contingency, by describing the gestation process of the group, the different work strategies, a brief analysis from the pedagogical, didactic, communicative and university construction dimensions It aims to address some aspects that are considered fundamental in the context of the pandemic, in the sense of ensuring the right to higher education of all people in a framework of equal opportunities, so as not to leave any student behind, contributing to sustain education as a continuum in order to preserve the non-interruption of educational trajectories
Rancang Bangun Sistem Informasi Pada Organisasi Perhimpunan Mahasiswa Katolik Republik Indonesia (PMKRI) Cabang Palopo Berbasis Web

The purpose of this study is to design and build an information system at the Indonesian Catholic Student Association of the Republic of Indonesia (PMKRI) Palopo Branch which is expected to be able to help and inform the time used and facilitate the delivery of information. This type of research is a prototype. The results of research in the form of a website consisting of several pages contain PMKRI profiles, albums and poto galleries of PMKRI activities, information, contacts and registration forms for new members, all of which have been functionally tested using the black box testing method. So with the application that has been built, it is expected to improve the performance of an institution / agency / company, especially at the Palopo Branch PMKRI.
Analisis Sentimen Masyarakat Terhadap Kinerja Persatuan Sepakbola Seluruh Indonesia Menggunakan Metode Backpropagation

Sentiment analysis in a sentence describes the part of the consideration of an entity or a event regarding the product, service, topic, issue, person, organization, or event that becomes the target object in sentiment sentences. Judging from several reasons for positive and negative sentiments originating from social media, researchers will use social media not only to communicate between friends, but will be used as a means to find out an aspiration for the community, especially the Indonesian community regarding legal issues or problems related to government. One of the aspirations that will be analyzed is the performance of PSSI. In analyzing this, researchers using the Backpropagation Method are learning methods to reduce error rates by adjusting their weight based on the desired output and target differences. Backpropagation is also a systematic method for multilayer training in Artificial Neural Networks. Backpopagation is said to be a multilayer training method because Backpropagation has three layers in the training process, namely input layer, hidden layer and output layer
Approaching the Irreal: Realistic Sound Design in Andrei Tarkovsky’s Films

This chapter focuses on Tarkovsky’s sound design that underwent several transformations throughout his career. Whereas in his early features the director used to employ a regular music track composed by Viacheslav Ovchinnikov, in his later films made in in the 1970s he worked together with composer Eduard Artemiev who created original and highly experimental soundtracks. As the chapter demonstrates, Tarkovsky primarily strived for the realistic sound aesthetic, requesting a variety of noises and natural sounds, in conjunction with electronic arrangement. At the same time his sonic realism progressively tends towards irrealism in his later films when selected natural sounds manifest their otherworldly dimension. His preference for natural sounds sounding unnaturally is especially evident in his last film <italic>The Sacrifice</italic> (1986), when Tarkovsky decided to work with the sound mixer only, Owe Svensson, without a composer.
Analisa Sistem Inference Fuzzy Sugeno Dalam Menentukan Harga Pembelian Tanah Untuk Pembangunan Komplek Perumahan Diwilayah Kutacane Aceh Tenggara

Expert System (Expert System) is an information system that contains knowledge from an expert who has the knowledge, research, experience, special methods, and the ability to apply certain talents in their fields in solving problems that are applied to a system so that it can be used for consultation. Expertise (expertise) is extensive and specific knowledge obtained through a series of training, reading, and experience. Expert systems can also be used to help an expert or the general public to solve their problems in certain cases. One of the factors that causes failure is the maximum application of information technology. One of the uses of this technology is the use of expert systems. Given the importance of the value of a result to be saved because it is very useful for buyers, it is necessary to create a knowledge-based expert system that uses the Sugeno fuzzy method. Expert systems should be equipped with facilities that can provide certainty about system output. Many ways can be used to calculate the value of system output uncertainty. However, in this study it is necessary to make a knowledge-based expert system that uses the Sugeno fuzzy method by calculating the value to find the value with the previous case. Based on the tests carried out, it can be seen that fuzzy is able to produce the response as expected, namely being able to determine the area that has land suitable for building a housing complex.