bluuebunny/crossref_metadata_2025 huggingface dataset:
Pengaruh Sertifikasi Halal dan Izin Edar BPOM terhadap Minat Beli Kosmetik pada Mahasiswi
Authors: Lestari Mega , Parakkasi Idris , Katman Muhammad Nasri
Published: December 2023

Whether we realize it or not, in everyday life, women's needs can’t be separated from cosmetics and other beauty products to support their appearance. The increasing public interest in beauty trends encourages the cosmetic industry to develop rapidly. The desire of women to always look beautiful invites actors who are not responsible for creating or trading cosmetics that do not meet the circulation regulations. Basically, this research was conducted with the aim of knowing the effect of halal certification and BPOM distribution permit on the buying interest of female students. This study uses descriptive analysis techniques with a quantitative approach. The population in this study were students of the Faculty of Economics and Islamic Business, Alauddin State Islamic University, Makassar. In determining the sample using the formula from Krijie and Morgan with a total sample of 336 respondents. IBM Statistics SPSS 25 was used as the data analysis method in this study. From the research process, it was found that halal certification had an effect on student cosmetic buying interest. Meanwhile, the distribution permit of BPOM also influences the  cosmetic buying interest of female student.

Keywords:  Halal certification; BPOM Circulation Permit; Buying Interest; Cosmetics
Pengaruh Brand Trust Dan Brand Image Terhadap Loyalitas Nasabah Dalam Menggunakan Asuransi Jiwa Pada Ajb Bumiputera 1912 Medan
Authors: Nasution Juliana , Hayani Nur Syamsidah , Rahma Tri Inda Fadhila
Published: December 2023

The high growth of service companies in Indonesia encourages companies to attract the hearts of their customers in order to become loyal customers of the company's products, one of the service companies that continues to grow in Indonesia is a service company in the insurance sector. Where life insurance is now seen as important and necessary in everyday life. One alternative approach that is widely used by companies is to create brand trust and the company's brand image to gain customer loyalty. This study aims to determine the effect of brand trust and brand image partially or simultaneously on customer loyalty in using life insurance at Ajb Bumiputera 1912 Medan. The method used in this study uses a quantitative method by taking 89 respondents from selected customers as research samples through probability sampling technique with calculations using the slovin formula. The questionnaire uses hypothesis testing with SPSS version 25 software and uses linear data using multiple linear regression analysis methods. The results of this study simultaneously from the variable brand trust (X1) and brand image (X2) have a positive and significant effect on customer loyalty. And partially the variables brand trust (X1) and brand image (X2) also have a positive and significant effect on customer loyalty in using life insurance.

Keywords : Brand Trust, Brand Image, Customer Loyalty, Life Insurance
Analisis PT. Indofood CBP Sukses Makmur TBK Produsen Mie Instan Terbesar di Dunia
Authors: Patricia Patricia , Stella Stella , Billy Billy
Published: December 2023

The most dominant instant noodle brand in Nigeria is Indomie. Indomie is a joint venture with Indofood. Various types of instant noodles have been successfully exported to foreign countries. One of the instant noodle company's expansion targets is a country at the westernmost tip of the African continent, Senegal. The objective achieved through this research is to determine the impact of product development of Indofood Brand Instant Noodles on the image of the Indomie brand in the world. PT. Indofood Sukses Makmur Tbk carried out this export activity for the first time, namely in 1992. The product that was first exported out was Indomie products. Indomie products were exported abroad for the first time, with the main reason being that many Indonesian citizens (WNI) live abroad. Countries that are the main marketing destinations for export activities are actually countries with many Indonesian citizens, such as Hong Kong, Saudi Arabia, Taiwan, Malaysia and Singapore. But over time, Indomie is increasingly known and there are more and more enthusiasts. Therefore, its export destinations are expanding to almost the whole world.

 Keyword: Indomie, Export, Overseas, Instant Noodles, Companies
Pengaruh E-Commerce dan Pengetahuan Kewirausahaan terhadap Minat Berwirausaha Fresh Graduate dengan Modal sebagai Variabel Moderating
Authors: Sitorus Isnaini Faraz Azis Ilmi , M. Nawawi Zuhrinal , Jannah Nurul
Published: December 2023

This study aims to examine the influence of e-commerce and knowledge on the interest in entrepreneurship for fresh graduates with capital as a moderating variable. This research uses a quantitative approach. The data was collected using a questionnaire with a simple random sampling technique which was distributed to fresh graduates at state campuses in Medan City, namely (USU, UNIMED, and UINSU) with a sample of 99 people. The research results here show that E-Commerce has a positive and significant effect on Entrepreneurial Interests, Entrepreneurship Knowledge has a positive and significant effect on Entrepreneurial Interests, Capital can moderate the effect of E-Commerce on Entrepreneurial Interests and Capital can moderate the effect of Entrepreneurship Knowledge on Entrepreneurial Interests. and based on the E-Commerce F test and Entrepreneurial Knowledge have a simultaneous and significant effect on Interest in Entrepreneurship with the magnitude of the influence based on the coefficient of determination test that is equal to 41.6%.

Keywords: E-commerce, Entrepreneurial Knowledge, Asset, Entrepreneurial Interest, Fresh Graduate
Pengaruh Laba Kotor, Laba Operasi, dan Laba Bersih terhadap Peruhaban Arus Kas: Studi Empiris pada Perusahaan yang Terdaftar di Bursa Efek Indonesia Tahun 2019-2021
Authors: Badrus Zaman Muhammad Bintang , Mauludi AC Ali
Published: December 2023

This study aims to provide empirical evidence regarding the effect of gross profit, operating profit, and net profit on changes in cash flow by examining each variable. This type of research is associative research with a quantitative approach method. The population in this study are companies listed on the Bursa Efek Indonesia in 2019-2021. The sample in this study was collected based on the purposive sampling technique, totaling 295 companies. The data source comes from www.idx.co.id. Data analysis technique using multiple linear regression. The results of this study are: (1) Gross profit partially has a significant effect on changes in cash flows in companies listed on the Bursa Efek Indonesia seen from the t-Statistic value -3.378030 with a Prob value. 0.0009 <0.05, (2) Operating profit partially has a significant effect on changes in cash flows in companies listed on the Bursa Efek Indondesia seen from the t-Statistic value of 3.673210 with a Prob value. 0.0003 <0.05, (3) Net profit partially has a significant effect on changes in cash flows in companies listed on the Bursa Efek Indonesia seen from the t-Statistic value of 2.349851 with a Prob value. 0.0197 < 0.05, (4) Simultaneously, gross profit, operating profit, and net profit have a significant effect on changes in cash flows in companies listed on the Bursa Efek Indonesia seen from the value of the F-statistic 9.830041 with the value of Prob(F-statistic ) 0.000000 < 0.05. Through the description that has been mentioned, it can be concluded that gross profit, operating profit, and net profit partially each have a significant effect on changes in the company's cash flow, and simultaneously gross profit, operating profit, and net profit have a significant effect on changes in cash flow company.

Keywords: Gross Profit, Operating Profit, Net Profit, Changes in Cash Flow
Analisis Faktor-Faktor Yang Mempengaruhi Minat Masyarakat Menabung Di Bank Syariah Indonesia : Studi Pada Masyarakat Kota Bandung
Authors: Ghojali Irman , Suryaman Maman
Published: December 2023

Islamic banking is an Islamic economic phenomenon that has become an alternative and increasingly popular with people around the world, including millennials. Not only to accommodate the interests of Muslims, but also to integrate personal interests and community benefits in a balanced form. Islamic banking in Indonesia is currently experiencing rapid development. As a country with the largest Muslim population in the world, Indonesia certainly has a very important role in building the Islamic economy. This can be used as a great opportunity by Bank Syariah Indonesia in optimizing its role to support the country's plan to develop Islamic finance in Indonesia. It can be seen that the number of customers at Bank Syariah Indonesia is still far from expectations when viewed from the large Muslim population in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This can arise by several factors that are the reason why the Indonesian Muslim population is still reluctant to use the services of Bank Syariah Indonesia. The large gap between the Muslim population in Indonesia and the number of customers of Bank Syariah Indonesia is one of the attractions for researchers to conduct an analysis of the Factors Influencing Public Interest in Saving at Bank Syariah Indonesia (BSI).Interest can be interpreted as an interest or tendency to choose what is desired. One example is the interest and tendency towards interest in saving, for example a religiously inclined person will choose Islamic banks over conventional banks because based on Islamic religious law which prohibits his people from transacting ribawi (interest). According to (crow & crow 1998) states that there are six that affect interest, namely: income factors, job stability factors, financial goal factors, risk avoidance factors, knowledge factors, social and cultural environmental factors.While the author in conducting this study used descriptive qualitative methods with data collection techniques used was to conduct structured interviews to the community with the help of research instruments in the form of mobile phone cameras as photo documentation and recordings during interviews with the people of Bandung City which at this time became a source of research information. The results obtained from research conducted by the author to the people of Bandung city resulted in income, risk avoidance / security factors and social and cultural environmental factors are factors for people interested in saving their money in Indonesian Islamic banks (BSI).

Keywords: Bank Syariah Indonesia, communit, Interest.
Analisis Faktor Ukuran Perusahaan, Struktur Kepemilikan, Dan Profitabilitas Terhadap Ketepatan Waktu Pelaporan Keuangan
Authors: Ferdianti Desi , Riswan Riswan
Published: December 2023

Those studies goals are designed to observe the factor evaluation of company size, ownership structure, and profitability on the time of financial reporting. Thisstudies is absolutely primarily based on financial statements of banking corporations listed to Indonesia stock exchange. A focused sampling method became used within the sampling of this examine. The records evaluation technique used on this examine is logistic regression evaluation. The statistics used on this examine had been received from secondary statistics in the form of annual accounts of organizations listed in Indonesia stock trading (IDX 2018-2020). The consequences of this examine imply that ownership structure has a positive and insignificant effect on financial reporting timeliness, even if company size and profitability have a positive and significant effect on financial reporting timeliness.

Keywords: Size1; Ownership 2; Profitability3 ; On Timeliness 4
Analisis Dampak Lingkungan dan Keekonomian Pembangkit Listrik Tenaga Co-firing Biomassa dan Batubara Sebagai Upaya Bauran Energi Terbarukan
Authors: Palupi Dhiyanti Nawang , Sundari Sri , Syahtaria M Ikhwan , Sianipar Leo
Published: December 2023

Steam power plants are the largest contributor to carbon emissions in Indonesia. Utilizing biomass fuel through co-firing technology is one way to reduce carbon dioxide emissions. As part of an effort to increase the use of renewable energy, this study will assess the economic and environmental effects of co-firing biomass and coal power plants. This study uses a descriptive method of analysis of literature studies. The research results show that the continuous use of coal can lead to extinction. According to the data, the energy potential of biomass reaches 32.6 GW, with a new utilization of 1,895.7 MW, or around 5.8%. It takes more than 9 million tons of biomass every year to support the application of co-firing technology in 52 steam power plants in Indonesia. Various sources of biomass have the potential to support the application of co-firing technology. To achieve the target of 23 percent of the new renewable energy mix in 2025, the supply of biomass is very helpful. In addition to being able to increase its contribution to the renewable energy mix, the application of co-firing can also help the growth of the people's economy or circular economy.

Keywords: Coal, Biomass, Co-firing, Economy, Environment
Pengaruh Kualitas Pelayanan dan Citra Destobasi terhadap Loyalitas Pengunjung Wisata Mangrove dengan Kepuasan Wisatawan sebagai Variabel Intervening
Authors: Lutfiyah Zekiyatul , AS Fathor
Published: December 2023

This study aims to identify the effect of service quality variables and destination image on tourist loyalty through tourist satisfaction. the research approach used is quantitative causality, with the research population being all visitors to labuhan madura mangrove tourism, the sample size is 112 respondents and the sampling technique used is purposive sampling. this research was collected by distributing questionnaires and the results will be analyzed using the Partial Least Square (PLS) method. The results stated that service quality has a positive and significant effect on tourist loyalty, service quality has a positive but insignificant effect on tourist satisfaction, destination image has a positive and significant effect on tourist loyalty, destination image has a positive and significant effect on tourist satisfaction, and tourist satisfaction has a positive and significant effect on tourist loyalty.
Pengaruh Motivasi, Disiplin dan Fasilitas terhadap Kinerja Pegawai Dinas Perhubungan Provinsi Sumatera Utara
Authors: Widodo M. Arif , Purnama Sari Eka
Published: December 2023

This research aims to determine the partial influence of motivation on the performance of North Sumatra Province Transportation Service employees, to determine the partial influence of discipline on the performance of North Sumatra Province Transportation Service employees, to determine the partial influence on the performance of North Sumatra Province Transportation Service employees and to determine the effect motivation, discipline and facilities simultaneously on the performance of North Sumatra Province Transportation Service employees. This research uses a data collection method, namely a questionnaire or questionnaire, while the data analysis techniques used are the multiple regression analysis method, the Classical Assumption Test, the t test, the F test and the determination test. Based on the research results, it can be concluded that motivation has a significant influence on employee performance variables at the North Sumatra Province Transportation Service, which can be seen from the motivation t value which is greater than t table (2.240 < 1.65437). Apart from that, discipline has a significant influence on employee performance at the North Sumatra Province Transportation Service, which can be seen from the calculated value of the discipline variable being greater than ttable (4.921 > 1.65437). Furthermore, facilities have a significant influence on employee performance at the North Sumatra Province Transportation Service, which is known from the calculated value of the facility variable which is greater than ttable (13.292 > 1.65437) and there is a simultaneous influence of motivation, discipline variables and facilities together on performance. employee at the North Sumatra Province Transportation Service, where F value = 66.088 > F table 2.66 means Ha is accepted and Ho is rejected.
Pengaruh Disiplin Kerja, Lingkungan Kerja, dan Stres Kerja terhadap Produktivitas Kerja Karyawan UMKM: Studi Kasus pada Konveksi Hadi Jaya Makmur Sukoharjo
Authors: Nofwanda Syafira , Kusdiyanto Kusdiyanto
Published: December 2023

Effectively managing and utilizing its human resources is crucial for both large and small businesses, as well as other organizations, to achieve their goals. For sustainable operations and the attainment of organizational objectives, businesses require the right human resources. The purpose of this research is to examine the influence of discipline, work environment, and job stress on employee work productivity. The research focuses on the Small and Medium Enterprises (SMEs) of Hadi Jaya Makmur Convection in Sukoharjo. The sampling technique employed in this research is the saturated sampling technique, with 100 employee respondents providing data. The data analysis method used is multiple linear regression analysis using SPSS software. The research findings indicate that the variables of discipline, work environment, and job stress collectively influence employee work productivity. This aligns with the partial research results, which demonstrate that the variables of discipline, work environment, and job stress individually have a partial impact on employee work productivity. Further research could involve investigating additional independent variables related to employee work productivity to obtain more accurate results and identify which variables, besides discipline, work environment, and job stress, have a greater influence on employee productivity.
Harta dan Pengelolaannya dalam Al-Qur’an: Tinjauan Surah Al-Kahfi ayat 46
Authors: Arviana Pipi , Abubakar Achmad , Basri Halimah , Rif’ah Muh.Azka Fazaka
Published: December 2023

One of the favors of Allah SWT to humans is wealth. Treasure can be used to fulfill the needs of life, worship, and help others. However, wealth can also be a source of fitnah and damage if not managed properly. This study aims to analyze treasure and how it is described in the Qur'an, especially in the meaning of baqiyat shalihat or good deeds. This research is a library research/study of literature using a descriptive qualitative approach with the Tafsir Science Method. The results of the study provide an explanation that in surah al-kahf verse 46 it is found that wealth has three positions, namely the adornment of the world, the support of life, and as a mandate from Allah SWT. Because wealth is impermanent and ephemeral, Allah Swt. reminds mankind that eternal good deeds are better than worldly treasures. Eternal good deeds include all good deeds done by humans, including utilizing wealth. In the perspective of Islamic economics, al-baaqiyat as-sholihat is defined as the process of managing wealth that has the value of virtue or good deeds, which includes 5 stages, namely wealth creation, wealth consumption, wealth purification, wealth distribution, and wealth protection in accordance with sharia or Islamic economic principles.
Pengaruh Manajemen Perubahan, Budaya Organisasi, dan Manajemen SDM terhadap Kinerja Perusahaan pada PT Recapital Asset Management
Authors: Andriani Dini
Published: December 2023

All organizations face a dynamic and changing environment. The demands of being a competitive organization mean that companies must respond more quickly to customer needs, and this can change over time. It can be said that the external environment of an organization tends to be the force that drives change. On the other hand, organizations internally feel the need for change, thus every organization will face the choice between changing or dying, suppressed by the forces of change. This research aims to determine the effect of change management on company performance, determine the effect of organizational culture on performance, to determine the effect of human resource management on company performance, and together to determine the effect of change management, organizational culture and resource management. Human Resources on Company Performance. This research uses quantitative methods and uses several theories as indicators. This research took data from the population of all PT Recapital Asset Management employees who were the object of the research, by distributing questionnaires. The results of this research show that there is an effect between management changes on company performance which can be determined by management change indicators at 18.4%, while company performance is still determined by other factors at 81.6%. Meanwhile, the strength of the relationship between the two is positive but at a low or weak level. There is an effect between organizational culture on company performance which can be determined by organizational culture indicators at 43.2%, while company performance is still determined by other factors at 56.8%, meanwhile the strength of the relationship between the two is positive but at a moderate level. There is an effect between HR management on company performance which can be determined by HR management indicators at 20.9%, while company performance is still determined by other factors at 79.1%, while the strength of the relationship between the two is positive but at a low or weak level. There is an effect between management changes, organizational culture, HR management together on company performance of 44.3%, while company performance is still determined by other factors at 55.7%. The strength of the relationship between the two is positive but at a moderate level.
PENERAPAN SANKSI KODE ETIK TERHADAP OKNUM ANGGOTA BRIMOB YANG MELAKUKAN PELANGGARAN ETIK KEPOLISIAN (Studi Penelitian Bidang Profesi dan Pengamanan Kepolisian Daerah Sumatera Utara)
Authors: Sadewo Doly Afandi , Purba Nelvitia , Akhyar Adil
Published: December 2023

Oknum anggota Kompi Brimobdasu yang melakukan tindak pidana berarti telah melanggar aturan disiplin dan kode etik karena setiap anggota Polri wajib menjaga tegaknya hukum serta menjaga kehormatan, reputasi, dan martabat Kepolisian Negara Republik Indonesia. Penindakan Propam terhadap Polisi yang melakukan  tindak pidana diatur dalam Peraturan Pemerintah Nomor 1 Tahun 2003 tentang Pemberhentian Anggota Polri serta Peraturan Kapolri No. Pol.: 7 Tahun 2006 tentang Kode Etik Profesi Polri, yang mekanisme penanganannya melalui sidang Komisi Kode Etik Polri. Tindakan oleh Propam terhadap anggota Polri yang melakukan ptindak pidana pada dasarnya dilakukan sesuai dengan ketentuan KUHAP dengan mengingat, memperhatikan dan berpedoman kepada ketentuan-ketentuan yang mengatur secara khusus bagi tersangka anggota Polri. Berdasarkan hasil penelitian diketahui bahwa Hambatan di dalam penerapan penindakan terhadap anggota Polri yang dilakukan oleh Propam adalah lemahnya mentalitas dan tidak adanya inisiatif aparat penegak hukum mengakibatkan penegakkan hukum tidak berjalan sebagaimana mestinya. Upaya yang ditempuh Propam Polri terhadap anggota polri yang melakukan penganiayaan dengan cara memaksimalkan mentalitas kinerja Propam Polri dalam penegakan hukum disiplin anggota Polri. Disarankan agar peraturan Kode Etik Profesi Polri dapat diterapkan dengan baik, maka sebaiknya Polri lebih meningkatkan pengawasan kinerja terhadap para anggotanya dengan cara, seperti melakukan pembinaan sesuai dengan profesi.
PERAN CYBER CRIME DITRESKRIMSUS KEPOLISIAN DAERAH SUMATERA UTARA DALAM PENEGAKAN HUKUM TERHADAP PELAKU TINDAK PIDANA JUDI ONLINE (Studi di Kepolisian Daerah Sumatera Utara)
Authors: Hermansyah Hermansyah , Mustamam Mustamam , Putra Panca Sarjana
Published: December 2023

Judi melalui internet (internet gambling) biasanya terjadi karena peletakan taruhan pada kegiatan olah raga atau kasino melalui internet. Pelaku judi online tersebut dapat dipidana berdasarkan Pasal 27 ayat (2) jo. Pasal 45 ayat (2) Undang-Undang Nomor 19 Tahun 2016 tentang Informasi dan Transaksi Elektronik. Pengaturan tindak pidana  perjudian online di Indonesia diatur  di dalam Undang-Undang Nomor 19 Tahun 2016 tentang Perubahan Atas Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik. Upaya penegakan hukum yang dilakukan oleh unit Cyber Crime Ditreskrimsus Polda Sumut terhadap pelaku tindak pidana judi online yang telah dilakukan Unit Cyber Crime Ditreskrimsus Poldasu masih menggunakan instrumen Pasal 303 KUHP daripada Pasal 27 ayat (2) Jo. Pasal 45 UU ITE. Hasil pembahasan menyimpulkan bahwa hambatan penegakan hukum oleh unit Cyber Crime Ditreskrimsus Polda yaitu sanksi pidana terhadap judi online berdasarkan Pasal 45 UU ITE lebih rendah dari ancaman sanksi pidana dalam Pasal 303 KUHP, Upaya untuk mengatasi hambatan tersebut adalah penerapan KUHP dan UU ITE dalam perkara judi online harus mengedepankan asas lex specialis derogat legi generalis, mengadakan pelatihan bimbingan teknologi informasi.
PERTANGGGUNG JAWABAN PELAKU TINDAK PIDANA PENGGELAPAN YANG DILAKUKAN KARYAWAN TOKO EMAS (Studi Putusan Pengadilan Negeri Medan No.2284/Pid.B/2022/PN Mdn)
Authors: Haeykel Muhammad , Danialsyah Danialsyah , Purba Indra Gunawan
Published: December 2023

Tindak pidana penggelapan yang merupakan kejahatan sering sekali terjadi diberbagai bidang dan bahkan pelakunya diberbagai lapisan masyarakat.Pengaturan hukum tindak pidana penggelapan jabatan  diatur dalam Pasal 374 KUHPidana. Terjadinya tindak pidana penggelapan dalam jabatan berhubungan dengan harta kekayaan dan benda terdapat suatu tindak pidana yang dikenal dengan istilah penggelapan dimana penyalahgunaan kepercayaan yang mendominasi sebagai unsur utama terjadinya tindak pidana ini. Pertanggungjawaban pidana terhadap pelaku tindak pidana penggelapan dalam jabatan adalah terhadap terdakwa dijatuhi pidana dengan hukuman penjara selama 2 (dua) tahun. Perbuatan yang dilakukan oleh terdakwa tersebut jelas telah melanggar ketentuan sebagaimana diatur dalam Pasal 374 KUHPidana yang unsur-unsurnya. Kesimpulan dari pembahasan adalah pertimbangan hukum  hakim dalam penerapan sanksi pidana tindak pidana  penggelapan dalam jabatan  dalam putusan Nomor 2284/Pid.B/2022/PN.Mdn terhadap pelaku tindak pidana penggelapan dalam jabatan dapat dipertanggungjawabkan atas perbuatan yang dilakukan dengan pertimbangan bahwa pada saat melakukan perbuatannya terdakwa sadar akan akibat yang ditimbulkan, pelaku dalam melakukan perbuatannya berada pada kondisi yang sehat dan cakap untuk mempertimbangkan perbuatannya. Majelis Hakim dalam persidangan tidak menemukan hal-hal yang dapat menghapus pertanggungjawaban pidana, baik alasan pembenar atau alasan pemaaf.
Towards Understanding the Consumer Behavior of Mobile Banking Applications for Management Decision Makers
Authors: Younis HAni Ibrahim
Published: December 2023

The rapid growth of mobile applications in the banking sector has been increasing due to the ease of use and saving the time of users. However, the fierce competition between banks draws attention to the factors that increase the use of banking mobile applications to maintain the level of satisfaction of the customers of each bank. One of the crucial aspects that decision-makers need to understand is the consumer behavior of mobile banking applications. Therefore, this research paper aims to present a comprehensive exploration of mobile banking adoption by examining the interplay of cultural dynamics, usability, cross-cultural comparisons, economic factors, and the significance of longitudinal insights. It elucidates how cultural norms and societal expectations impact adoption, emphasizing regional variations. The study also dissects mobile banking app interfaces to enhance user-friendliness, tailoring them to diverse user preferences. Cross-cultural comparisons shed light on the interplay between culture, economics, and regulations. It scrutinizes economic factors, considering income levels and financial literacy while emphasizing the importance of longitudinal studies for tracking evolving adoption patterns. This research not only advances our knowledge of mobile banking adoption but also offers practical insights for banks, policymakers, and service providers as they navigate the rapidly evolving mobile banking landscape in an increasingly digital world.
Factors Influencing Customer Retention and Loyalty in Dental Practice in the United States
Authors: Amano Koki
Published: December 2023

This mixed study is an analysis of factors that influence customer retention and loyalty in dental practices in the US. The study determines and encourages patient choice to visit specific dental offices, ensures the well-being of dental customers, and supports the viability of dental practices in the industry. A mixed research methodology was employed, which started with a thematic content analysis of the sampled literature. This produced 18 influencing factors for the dental industry. Afterward, these factors were constructed into survey questions to conduct the primary research via SurveyMonkey and identify dental patient perceptions regarding these 18 factors. Finally, a non-parametric Kruskal-Wallis test was employed to rank and group the 18 factors based on their importance as perceived by US dental patients. The study highlighted the similarities and differences in the influencing factors across extant literature and contemporarily collected data in the US. While the extant literature ranked communication and relation as essential factors in retaining dental patients, the survey prioritized skill and trust as the crucial factors a patient would consider when choosing a dental clinic. This study grouped and ranked all 18 of the identified factors, which any dental clinic could consider retaining and enhancing the loyalty of their existing and prospective clients.
Безопасность частной жизни человека при взаимодействии с генеративным искусственным интеллектом
Authors: Титов М. Д. , Назаров Д. М.
Published: December 2023

В данной научной статье критически рассматривается сложная динамика неприкосновенности частной жизни в эпоху повсеместного использования Интернета, подчеркиваются растущие проблемы, связанные с генеративным искусственным интеллектом. С каждым годом появляется все больше возможностей для мошенничества в интернете, так как люди оставляют за собой большой цифровой след. Это помогает злоумышленникам собирать информацию о человеке и использовать ее в своих целях. Одним из способов мошенничества является применение нейронных сетей в незаконных схемах. Это говорит о том, что необходимо вырабатывать механизмы взаимодействия с искусственным интеллектом, которые позволят обезопасить человека от мошенничества и любого другого посягательства на частную жизнь. Исследование выступает за усиление мер безопасности, выходящих за рамки обычной практики "цифровой гигиены". В нем предлагаются стратегические подходы, включая всестороннюю переоценку присутствия в Сети и использование передовых инструментов для сокрытия персональных данных. В конечном счете, в статье подчеркивается важность осведомленности пользователей, непрерывного обучения новым технологиям и бдительных цифровых практик для укрепления кибербезопасности.
FATORES QUE DETERMINAM A ESCOLHA DA FUNDAÇÃO
Authors: Ferreira do Nascimento Victor , De Marco Gerson , Florian Fabiana
Published: December 2023

A fundação é considerada a principal etapa de uma obra civil, pois além de determinar relevante estudo técnico é também a etapa mais custosa. O objetivo deste trabalho é identificar quais os fatores determinantes para a escolha da fundação em uma obra. Foi realizada uma pesquisa bibliográfica a fim de conhecer os tipos de fundações e as influências que determinam a escolha. Os resultados encontrados demonstraram que o estudo do solo tem importância prévia e que a previsão e dimensionamento dos custos são principais influenciadores. Porém, foi evidenciado que a escolha técnica pode impactar diretamente no custo, em caso de decisão incorreta mediante as condições do terreno e a carga dimensionada.
A CRIAÇÃO DO “NEPE SEARCH” E SEU IMPACTO NOS ESTUDOS DE ESCRITURAS BÍBLICAS
Authors: Fujii Kanda Ana Clelia , Gião Borges João Henrique
Published: December 2023

O objetivo do projeto é a criação de uma ferramenta de uso livre para auxiliar no estudo de textos bíblicos e incentivar o estudo e pensamento crítico. A ferramenta, denominada NEPE (Núcleo de Estudo e Pesquisa do Evangelho) Search, se apresenta na forma de um site da internet acessível pelo endereço “search.nepebrasil.org”, foi desenvolvida inicialmente com recursos de busca simples e ao longo do tempo foi aprimorada e até hoje recebe atualizações. O NEPE Search possui o diferencial de apresentar um compilado estruturado e intuitivo de diversos tipos de dados relacionados, selecionados pelo usuário através de uma série de filtros personalizados. Os resultados do projeto são positivos. Considerando as estatísticas de uso, comentários recebidos de usuários e o engajamento de colaboradores, a ferramenta foi notavelmente bem recebida e se mantém cumprindo seus objetivos.
The Interrelationship Between Social Structures and Agency in Language Learning
Authors: Avila Pardo Magdalena
Published: December 2023

This study examined the extent to which social structures influence learners’ desire to invest time and effort in language learning. It explores the use of English amongst undergraduate students, users of a self-access learning centre, in Cancun, Mexico, a city created as a tourist hub. In such a context, English is identified as linguistic capital, a product of social structure, and students’ investment in language learning is considered an example of agency. The two-year longitudinal study drew on David Block’s (2013) writings and his claim that in language and identity research, social structures are paramount as shapers or constraints of one’s individual agency. Critical Realism was applied as a theoretical and methodological approach to investigate why language learners choose to shape or resist their access to English as a Foreign Language.
Driver Safety High Cabin and Chassis Design in Diesel Forklifts
Authors: ÇETİN Halil
Published: December 2023

Purpose: In general, most forklift accidents occur due to rollover. After a rollover, the first affected part is the driver's cabin, followed by the chassis and parts. In the study, cabin and chassis designs of diesel forklifts with increased driver safety and performance were made.

Methodology:  Cabin and chassis tests were carried out with the Solid works program. According to the test results, the chassis and cabin design was made. Welding and assembly processes on the chassis of high-strength materials suitable for this design have been completed.

Findings:  As a result of the studies, the cabin design, which is different from other similar forklifts, notches on the edges of the fender, the removal of fuel and oil tanks from the chassis, eliminating the leakage test, and the steps on the sides of the chassis being made monolithic, are important innovations.

Unique contributor to theory, policy and practice:  As a result of all these studies, our KFD30 model was developed. This new model stands out with its new design and manufacturing on the forklift.
Statistical Analysis of Population and Economic Growth in Ghana.
Authors: Osei-Mainoo Angela , Essuman Lawrence , Puurbalanta Richard
Published: December 2023

Purpose: The relationship between population and economic growth has been a subject of extensive research and debate for decades. Population of a country is driven by factors such as fertility rate, mortality rate and migration. Rapid population growth can strain resources, infrastructure, and social services, potentially hampering economic development. However, it can also create a demographic dividend when the working age population surpasses dependent age group, leading to increased productivity and economic growth.

Methodology: The researchers performed statistical analysis on population and economic growth using Time Series. The study revealed that Ghana’s age profile is much concentrated at the youthful age, which is also the most fertile part of the age distribution.

Findings:  The Percentage Change of Population (PCPOP), Per Capita Gross Domestic Product (PCGDP) and Exchange Rate (EXCR) are statistically significant. Also Population and the economic growth in Ghana are inversely proportional to each other.

Unique contributor to theory, policy and practice: Furthermore, the future values of the population of the country is relatively high for the next ten years and there is a negative correlation between the population and economic growth hence the future population is likely to face poverty. Stakeholders and policy makers are to ensure that future policies are directed towards Entrepreneurship and Skills Training to enable income generation in the Country.
Evaluation of the Rights to Legal Representation before the Ward Tribunal in Tanzania
Authors: Cosmas Raymond M.
Published: December 2023

Purpose: This paper evaluates the rights of legal representation before the ward tribunal proceedings as per the Constitutional rights of The United Republic of Tanzania. The undertaking is focusing to reality, despites of existing rights, legal and institutional frame works toward the rights to legal representation. Still not affordable to the individuals or targeted population. Logically and reasonable, the same arises a lot of questions on the constitutional rights which are not adhered by the institutions. In pre-colonial traditional court, trials representation was done through a legal representative. Both sides of a disputes had to be represented by a "wise man" in the community, who obtained various titles in various cultures, in both centralized and decentralized civilizations.

Methodology: This paper is developed on the adherence of the rights to legal representation through diverse approaches and methods including studying of the relevant policies, institutional strategies plan, reports and the reviews of the relevant laws.

Findings: This paper will focus on identifying the problems which hinder them from effectively devotion over the legal rights before the ward tribunals. The paper evaluated the relevant laws and legal institutional framework in performance of the basic rights and rights to legal representation.

Unique contributor to theory, policy and practice: Finally, this paper finds and recommends for the elevating the laws and legal institutional framework in views of making proper performance of rights of legal representation before the ward tribunal proceedings in Tanzania.
Examination of Specific Factors of the Form Affecting Profitability of Commercial Banks: A Case from Nepal
Authors: Mishra Anjay Kumar , Kandel Deepak Raj
Published: December 2023

This study investigates the determinants of operational performance in Nepalese commercial banks, with a particular focus on the roles of capital adequacy, cost-to-income ratio, and various performance indicators. The study underscores the pivotal role of maintaining an optimal level of capital adequacy and cost-to-income ratio in shaping the profitability of commercial banks.Bank size, nonperforming loans ratio, liquidity position, cost-to-income ratio, capital adequacy, and assets quality all exhibit a positive impact on overall bank performance. Prudent management of capital adequacy and cost-to-income ratio emerges as key factors influencing profitability. Analysis with one-year lagged variables reaffirms the significance of liquidity ratio, capital adequacy, and increased capital ratio in enhancing bank performance, particularly in terms of return on assets. An improved assets quality also contributes to overall bank performance. Effective liquidity management is crucial, emphasizing considerations of liquidity ratio, capital-to-assets ratio, investment-to-asset ratio, and quick ratio. Commercial banks are advised to operate within a threshold level of capital ratio, avoiding excessively high levels that may negatively impact profitability. The study recommends investing in well-trained manpower to enhance operational efficiency and customer service. In the broader economic context, the study highlights the vital role of banks in contributing to the country's development. It calls for strong supervision, monitoring, and the implementation of a one-window service in lending and investment activities. Commercial banks are encouraged to demonstrate their potential contribution to the national economy by ensuring a satisfactory rate of return on investment, efficient mobilization of savings, and strategic competitiveness
Performance Evaluation of 4-Wheel Tractor Drawn 3-Rows Precision Maize Planter for Mechanization of Maize Farming in Nepal
Authors: Mishra Sachin Kumar , Shrestha Shreemat , Jha Sanjeet Kumar , Mishra Anand , C Bikash K , Jha Mukti Nath , Chaudhary Dwarika , Sahani Sunil
Published: December 2023

Hybrid winter maize is gaining popularity in the Terai region, as traditional maize growing practices are resource-consuming and labor-intensive. High inputs and labor costs have been a burden for hybrid maize growers. This study aimed to evaluate a Chinese-made 2BMZJ-3 model tractor-drawn 3-rows precision maize planter in actual field conditions and on-farm, comparing it with farmers' practices. The planter was hitched with 3-point linkages at the rear of a 35 hp tractor and could be operated in both tilled and no-tilled conditions. The seed rate was about 20 kg/ha, with a germination of 98% and an average of 4-5 plants/m² of length of row. The actual field capacity was 0.38 ha/hr in clay loam soil with an initial moisture of 26.11% and a bulk density of 1.18 g/cm³. The total cost of sowing was NRs 4050/ha, while the planting cost for farmers' practices was around NRs 7500/ha. The planter reduced the planting cost by 46% and increased the grain yield per unit area compared to farmers' practices. It is concluded that the maize planter not only reduces the planting cost but also increases grain yield per unit area.
Capacidades estatales para el ordenamiento territorial
Authors: Papagno Silvina , Vitale Javier
Published: December 2023

Este artículo reflexiona sobre las capacidades estatales necesarias para responder a demandas sociales o cumplir con el mandato de una normativa para gestionar procesos para el desarrollo de los territorios. Enfatiza el rol protagónico del Estado en la planificación territorial, entendiéndola como una tarea indelegable. El ordenamiento territorial (OT), como política pública para la planificación y gestión del territorio, por su abordaje de la complejidad, multidimensional y prospectivo, se presenta como un objeto a explorar a partir del análisis de las capacidades estatales específicas para su desarrollo e implementación. Los mecanismos para el diseño e implementación de políticas públicas acordes al proceso de re-centralidad estatal post neoliberalismo obliga a (re)pensar las capacidades estatales vinculadas a los procesos de OT; siendo su implementación un déficit en los análisis. El objetivo del artículo es presentar una propuesta para fortalecer el componente político de estos procesos. El artículo exhibe algunas definiciones de capacidades estatales. Luego presenta un instrumento de evaluación. Finalmente, concluye con el abordaje de conceptos críticos como proyecto político y liderazgo. Entre los principales hallazgos se destaca la necesidad de incorporar la medición de capacidades al inicio del proceso de OT y la necesidad de sensibilización y fortalecimiento de capacidades políticas/anticipatorias.
De vacíos urbanos a espacios públicos
Authors: Carrasco Aparicio Jorge Carlos , Gamarra Sampen Manuel Agustín , Torres Chicoma Susy Milagros
Published: December 2023

La investigación surgió de la necesidad de determinar la forma en que los vacíos urbanos a través de su uso temporal pueden transformar las condiciones del espacio público existente en la Zona Monumental de Chiclayo, ciudad ubicada en la costa norte del Perú.
Tal es así que, tomando como base la metodología de “Diseño Centrado en el ser Humano” (Human Centered Design – HCD), se consideraron dos muestras: la primera constituida por la totalidad de vacíos urbanos y por el espacio público reconocidos dentro del área de estudio. La recolección de datos se llevó a cabo a través de fichas de observación y registro, las cuales quedaron representadas en cartografías. La segunda muestra quedó constituida por 281 pobladores del distrito de Chiclayo a quienes se le formularon dos cuestionarios para la recolección de datos.
Se determinó a partir del procesamiento de los datos obtenidos la influencia positiva en la calidad del espacio público de la Zona Monumental de Chiclayo tomando la propuesta del uso temporal de los vacíos urbanos, siendo el estadístico d de Somers -0.311, se aceptó la hipótesis.
Vulnerabilidad en la ciudad de Mazatlán: inundaciones y marginación
Authors: Vences Macedo Ludim , Manríquez García Naím
Published: December 2023

Las condiciones de marginación y su relación con la vulnerabilidad social, como también la evolución de las carencias sociales conforman un reto para los gobiernos locales, ya que la identificación de estas es un proceso complicado y demanda recursos. Además, su incorporación a la planeación estratégica de la ciudad implica el diseño y ejecución de políticas públicas económicas y sociales más efectivas en la urbe.
El objetivo es analizar la vulnerabilidad social en cuanto a marginación e inundaciones en la ciudad de Mazatlán, Sinaloa, en el 2020. Con datos del índice de marginación a nivel área geoestadística básica(AGEB), el valor del suelo del Libro Verde de la Asociación Mexicana de Profesionales Inmobiliarios, A.C. de Mazatlán(AMPI) y el Atlas de Riesgos de Protección Civil.
Los resultados permiten sugerir la existencia de patrones espaciales ante la presencia de un clúster de vulnerabilidad ubicado en la zona cercana al parque industrial de producción pesquera y servicios marítimos de la ciudad. En él se identifican aglomeraciones donde la vulnerabilidad por alta marginación, bajo valor del suelo y zonas inundables es mayor; a diferencia de la zona turística, especialmente la zona dorada donde la marginación es baja y el valor de la tierra es alto.
Distribución espacial de la COVID-19 con principales comorbilidades en la Megalópolis de la Zona Metropolitana del Valle de México.
Authors: De Fermin Sosa Yhan Andal , Santana Juárez Marcela Virginia , Santana Castañeda Giovanna
Published: December 2023

La presente investigación tiene como objetivo analizar la distribución y autocorrelación espacial de las defunciones por COVID-19, así como la letalidad asociada a tres principales comorbilidades (diabetes, hipertensión y obesidad), en la Megalópolis de la Zona Metropolitana del Valle de México (MZMVM), en el 2021. El método consistió en el cálculo de cuatro indicadores (asociados con COVID-19 y cada comorbilidad): tasas de prevalencia, de mortalidad, de mortalidad específica y de letalidad. A partir de la letalidad se calculó el índice de LISA y se identificaron clústeres con valores altos, bajos y atípicos.
Los resultados muestran que la mortalidad por COVID-19 presenta un patrón de distribución espacial diferente al compararla con la letalidad: las tasas altas de mortalidad y prevalencia se distribuyeron en las zonas más densamente pobladas, en cambio, las tasas altas de letalidad se localizaron en las zonas metropolitanas circundantes al Valle de México. De acuerdo con el indicador de LISA de la tasa de letalidad, los municipios de Toluca y Capulhuac conformaron clústeres coincidentes de tipo “alto-alto”, en relación con diabetes e hipertensión; mientras que, para hipertensión y obesidad, se conformó el clúster en torno a San Agustín Tlaxiaca