bluuebunny/crossref_metadata_2025 huggingface dataset:
APPLICATION OF MACHINE LEARNING METHODS IN THE BANKING SECTOR TO INCREASE THE EFFICIENCY OF DECISION-MAKING
Authors:   State University of Telecommunications, Kyiv, Fairushyn R.
Published: November 2023

This article examines the modern banking sector in the context of its transformation through the integration of machine learning (ML). This process has become crucial for identifying new avenues for the optimization and automation of financial transactions. In the initial research phase, a deep analysis of existing decision-making methodologies in banks was conducted, focusing on their role in current conditions and the potential to replace human involvement with algorithms. The evaluation and calculation of ML model efficiency revealed certain challenges, such as overfitting and a lack of transparency, but also highlighted significant advantages over traditional systems. When selecting tools for the implementation and deployment of ML, a need for specialized tools tailored for the banking sector was identified, considering the specific nuances of this market. Defined efficiency-enhancing directions include developing new regularization methods, improving cross-validation techniques, and advancing explainable AI. The study also emphasized the ethical concerns arising from ML implementation. Notably, primary attention was given to ensuring user data confidentiality and reducing algorithmic bias. Based on the research results, a conclusion about the immense potential of machine learning in the banking sector was drawn. While certain challenges exist, the right approach can lead to the creation of more efficient, secure, and transparent systems, enhancing client trust.
Federal Property Management Agency: Analysis of Current Key Tasks and Target Performance Indicators
Authors: Svirina Ludmila
Published: November 2023

The article deals with practical issues of assessing the performance of the Federal Property Management Agency as an organizational institution for managing federal property, which is an important part of the state's resources; special attention is paid to the assessment of the execution of the federal budget in terms of revenues from the management of federal property. Based on the materials of inspections by the Accounts Chamber of the work of the Federal Property Management Agency and its Territorial Administration in Moscow for 2017-2021, the negative results of the latter’ performance are analyzed. The results of the Federal Property Management Agency performance in 2022 are assessed, the current goals and objectives of the Agency's work are analyzed.
Development Trends and Problems in the Chemical Industry of the Republic of Belarus under Increased Sanction Pressure
Authors: Pavlov Konstantin
Published: November 2023

The article analyzes the key problems and determines the prospects for the development of the chemical industry of the Republic of Belarus in the face of tightening sanctions recently adopted by Western states. The processes of digitalization, modernization and automation of the production of chemicals, are considered, as well as improving the environmental status of chemical industry and strengthening integration relations with Russian enterprises through the use of import substitution methods for manufactured products.
Toward more objectives teaching clinical skills:
Authors: Rasul Hatem Hikmat. A.
Published: November 2023

the clinical teaching courses so far did not take the required attention and unfortunately because on granted that all doctors are expert in it without attention on directions ,for that reason we think that all clinical teaching is the most neglected part of medical teaching and for this reason it is found that there are many deficit in it and it is worsening that ward round were haphazard and taking excitement in many aspects.for this reason more than attention is needed to construct more effective clinical courses and teachers have to be trained on it.As it has been noticed that this needs more research and we should check the following :1. Monitoring the active participation by the student and how many of them stand as on observation only.2. Any of problem been solved during the clinical session and dose the clinical exercise contribute to solving of clinical problem.3. Where are most focused been given, is it to basic and clinical science or it has been spend on for other materials.4. Do the student been supervised closely while they interview the patient at bedside.5. Did the student given enough time to practice their skills.6. Does the teaching in the session is patient oriented or disease oriented. if the answer to these above questions were yes then this is typical clinical tutor but many students in the study shows the contrary.we can try to plan the technique which can be introduced to improve our clinical teaching.
Thrombocytopenia in Iraqi Pregnant Women.
Authors: Thanoon Asmaa M , Jalal Sana D
Published: November 2023

Background: Thrombocytopenia is the second most common hematological abnormality in pregnancy following anemia. However, its incidence causes and outcomes received scarce attention, particularly in developing countries like Iraq.Objective: This study was conducted to determine the incidence, causes and consequences of thrombocytopenia on both the mother and fetus.Material and Methods: Platelet counts were performed on 600 pregnant women in their third trimester and on 200 age matched non pregnant healthy women, as well as 150 of the newborns of the former groups.Results: The overall incidence of thrombocytopenia in pregnancy was 8.6%, with the gestational thrombocytopenia implicated in 76.9%,. Hypertensive disorders (pregnancy induced hypertension, preeclampsia) were the second most common causes of thrombocytopenia in the studied group. Other diagnoses such as HELLP syndrome and Disseminated Intravascular Coagulation (DIC) were infrequent. The 2.5th percentile significantly differed in pregnant women (117x109/L) than the control group (162 x109/L) with the histogram of platelets counts shifted to the left during pregnancy. Among pregnant women with mild thrombocytopenia (platelets count 100-149x109/L), 94% were gestational in origin with a decreasing proportion of the latter with increased severity of the thrombocytopenia. Except for one lady with DIC, all other pregnant ladies completed their pregnancy with no reported complications and none of the followed up neonates had thrombocytopenia.Conclusion: Similar to worldwide studies gestational thrombocytopenia is the commonest cause for thrombocytopenia in pregnancy in Iraqi ladies and for healthy pregnant women, platelets count > 117 x 109 /L late in pregnancy does not require further investigations and could be considered as a safe threshold.
Overexpression of HER-2\neu receptor protein in Urinary Bladder Carcinoma, An Immunohistochemical Study.
Authors: Al-Tereihi Rawaa G , Kerbel Hadeel A. , Saheb Rehab H. , Al-Janabi As’ad A. , Yasseen Akeel A.
Published: November 2023

Background: Bladder carcinoma is one of the most common cancer worldwide, it accounts for 6.5% of all cancers, with highest incidence in industrialized countries .It represents the fourth most common cancer in men and the eighth in women. Bladder carcinoma depends in its pathogenesis on a combination of genetic and environmental factors, these factors produce phenotypic changes that allow normal transitional cells to become cancerous and finally acquire the “malignant phenotype".  Many attempts had been tried to explore the role of some genetic abnormalities encountered in bladder carcinoma. It has indicated that many genetic abnormalities may underline the pathogenesis of cancer evolution of urinary bladder like VEGF , P53, Bcl2 and RB, but nowadays a scientific efforts have raised the possible role of Her-2/neu in bladder carcinoma, and the rate of its overexpression in bladder carcinoma is ranging from 2% - 74%. Objective: To estimate immunohistochemical expression of HER-2\neu receptor protein in Urinary Bladder Carcinoma in relation to other parameters; sex grade, pattern of tumor and stage of tumor .Methods: The present work is performed in the Department of Pathology and Forensic medicine, College of Medicine, Kufa University. Formalin fixed, Paraffin-embedded blocks from 60 (43 males and 17 females) patients with urinary bladder carcinoma were included in this study. A group of 12 patients with chronic cystitis were included as a control group. Avidin-Biotin Complex method was employed for immunohistochemical detection of HER-2\neu.Results: HER-2\neu overexpression was positive in 41.6% of urinary bladder carcinoma, while there was no expression in benign bladder tissue (P<0.05). HER-2\neu immunohistochemical staining was positively correlated with, grade and stage of urinary bladder carcinoma (P<0.05).Conclusion: These findings support the role of HER-2\neu in the carcinogenesis of urinary bladder carcinoma regarding behavior, and aggressiveness, and thus HER-2\neu could be considered as a poor prognostic parameter in urinary bladder carcinoma.
Assessment of bone marrow angiogenesis using F VIII-related antigen and its relationship to proliferating cell nuclear antigen (PCNA) in multiple myeloma.
Authors: AL- Mudallal Subh S.
Published: November 2023

Background: Multiple myeloma (MM) is a malignant clonal expansion of plasma cells. Previous studies had demonstrated that both bone marrow angiogenesis as measured by microvessel density (MVD) and PCNA were increased in variety of malignant disorders, including multiple myeloma.Objective: Assessment of angiogenesis in bone marrow of MM patients by using immunohistochemical stain to measure microvessel density (MVD) using factor VIII –related antigen and to evaluate the expression of PCNA antigen in plasma cells of MM bone marrow sections . Also to find the correlation between these two parameters and between them and the percentage of plasma cells infiltration in bone marrow of MM.Patients, materials and methods: This retrospective study was conducted from May 2007 to Jaunary 2008 on 37 bone marrow biopsies diagnosed as multiple myeloma, along with 10 age matched control subjects who had reactive plasmacytosis of less than 10% in their bone marrow. The cases were retrieved from recording archive files of Department of Pathology in the Teaching Laboratory of Medical City Hospital, laboratory of Al- Yarmouk hospital and AL-Yarmouk National Center of Haematology. Three sections were taken from each formalin fixed paraffin embedded bone marrow trephine biopsy of MM and of control cases. One representative section was stained with Hematoxylin and Eosin (H&E), while the other two sections were stained immunohistochemically for factor VIII-related antigen as an endothelial cell marker, and for PCNA as an indicator of the proliferative state of myeloma cells All stained sectionswere examined by light microscopy and the mean vessel density (MVD) was estimated and was used for statistical analysis. For immunostained PCNA cells, the labeling index scoring system of Alves et al was adopted for estimating the percentage of positive nuclear staining.Results: This study revealed that there was a significant increase in bone marrow angiogenesis and in the expression of PCNA in plasma cells of patients with multiple myeloma compared to control cases. Moreover this study showed that PCNA correlated significantly with bone marrow microvessel density and both parameters correlated significantly with the percent of plasma cell in the bone marrow of patient with multiple myeloma.Conclusion : Both PCNA and angiogenesis as expressed by MVD were increased in multiple myeloma and both of them correlated with the percentage of plasma cell infiltration which reflected the activity of the disease .Moreover the proliferative activity of plasma cell as represented by PCNA expression was closely related to angiogenic activity , thus it can be proposed that both markers reflect the disease activity and they may provide additional information when included in the initial evaluation of myeloma bone marrow biopsies .
The use of tele-education in medicine, during and beyond the COVID-19 pandemic: A commentary
Authors: Masud Sarwat , Aslam Taimur , Kumar Jasvindar , Kour Jasmeet , Khan Rafiullah
Published: November 2023

Coronavirus disease 2019 (COVID-19), a disease caused by a novel severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), emerged initially as an isolated illness in December 2019 and later progressed into a global pandemic. Hard-hit areas were in lockdown, massively disrupting medical education activities. Tele-education, previously used as a means of long-distance education emerged as a solution in the field of medical education. Tele-rotations for medical students, journal clubs and lectures via Microsoft teams, medical conferences via zoom, residency, and fellowship interviews online, all emerged during this pandemic. Some medical students and trainees found it enjoyable, cost-effective, time-saving, feasible, unbiased, and preferred mode of education. Challenges related to supervision, availability, affordability, diminished communication, disturbance of streaming, or distractions due to environment. Tele-education has had a boom in the era of COVID-19. Research is needed further on effective mentoring and supervision of trainees via tele educational teaching models.
Efectos del Programa de Calentamiento FIFA 11+ en la calidad de vida relacionada con la salud de los jugadores de básquetbol amateurs de la Región del Maule
Authors: Zerene Valdes Javiera , González González Rodrigo , Muñoz Sepúlveda Fernando
Published: November 2023

Objetivo: Comparar el efecto de un programa de calentamiento FIFA 11+ respecto a un calentamiento tradicional en basquetbolistas adultos de la región del Maule, en cuanto al estado psicológico, emocional y físico, como factores que podrían prevenir lesiones. Metodología: Estudio de diseño experimental pre y post test, con corte longitudinal que evaluó a 30 varones jugadores de básquetbol entre 18 y 36 años, divididos aleatoriamente en dos grupos, un Grupo Experimental (EX), que realizó el programa de calentamiento FIFA 11+ y un Grupo Control (GC), que realizó un calentamiento tradicional, cada grupo con 15 integrantes. La aplicación de los calentamientos con ambos grupos tuvo una frecuencia de tres veces por semana, durante ocho semanas y se evaluaron las variables utilizando el cuestionario SF-36 antes y después de la intervención. Resultados: el grupo experimental presenta mejoras significativas en sus niveles de función física (valor p = < 0.001), rol emocional (valor p = <0.001) y salud mental (valor p = 0.047), mientras que el grupo control, en función física (valor p = ns), rol emocional (valor p = ns) y salud mental (valor p = ns), no presentó mejoras significativas. Conclusión: Esta investigación reveló que existe un efecto positivo al realizar el programa FIFA 11+, ya que obtuvieron mejoras en su función física, salud mental y rol emocional del grupo experimental.
Prediction of Dengue Fever in Coastal Areas of North Sumatera (Kuala Namu and Belawan) With Random Forest and Support Vector Machine (SVM) Methods
Authors: Surbakti Suzi , Hayatunnufus  , T. Henny Febriana
Published: November 2023

Dengue Fever is a really infectious disease. This disease may cause death. The lack of health facilities in several regions can increase the number of cases and death. Thus, a proper prevention is needed so the number of cases can be decreased and the spread of the fever can be prevented especially in remote area like the coast area of North Sumatera. Because of this, a system that can predict the number of cases based on several parameters is needed to prevent the spread of fever in several areas, using Random Forest dan Support Vector Machine method. Both methods have different forecast results but the number is close to the actual number of cases. Random Forest can predict more accurate with MSE value at 43.
Presentación. Historias de los estudios de comunicación en las Américas
Authors: Fuentes Navarro Raúl
Published: November 2023

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Prediction of critical points for carbon dioxide-based binary mixtures by the Heidemann-Khalil approach
Authors: Sun Rui , Tian Hua , Shu Gequn
Published: November 2023

Prediction of critical point is of great interest for CO2-based binary mixture being the working fluid of power cycle. Compared with empirical correlation, the critical point of mixture can be calculated based on its rigorous thermodynamic criteria, with limited binary interaction parameters and consistency on vapor-liquid equilibrium and other thermodynamic properties. In this study, the critical points of CO2-based binary mixture, applicable for being working fluid of power cycle, including hydrocarbons, fluorocarbons, dimethyl ether, methanol, water and xenon, were studied based on the Peng-Robinson equation of state (PR EOS) with van der Waals (vdW) mixing rule, according to the Heidemann-Khalil approach. By comparing the predicted results with the experimental data in the literature, the applicability of this method to various mixtures is discussed. The characteristics of critical lines, type of phase diagram, and binary interaction parameters of each mixture were analyzed and discussed, and the results show that the Heidemann-Khalil approach is efficient for critical point calculation and prediction of CO2-based binary mixture.
KONTRIBUSI KOMUNIKASI INTERPERSONAL DALAM PERSPEKTIF ISLAM DI LINGKUNGAN ORGANISASI UIN RADEN INTAN LAMPUNG
Authors: Mustofa Muhammad Bisri , Wuryan Siti , Sholiha Nadya Amalia , Arif Malik Maulana , Musa Musa
Published: November 2023

In today's modern era communication really needs to be used, because as the times progress the better communication needs to be applied. Interpersonal communication needs to be used in organizations, interpersonal communication is divided into 2 types, namely formal and non-formal communication. Formal communication is used at official events or during teaching and learning activities on campus. Non-formal communication is usually used when we communicate with peers. According to Adler and Elmhorst, (1996) explaining communication can also be interpreted as one of the most important skills that greatly influences a person's performance. And the method used in this research is by collecting respondents to find out how they communicate with their environment, so this research is aimed at finding out whether in the modern era like today people are able to communicate well in the community and in the organizational environment. The purpose of this research is to find out how well people understand how to communicate well.
PEMANFAATAN MEDIA SOSIAL SEBAGAI MEDIA KOMUNIKASI WISATA REKLAMASI LAHAN BEKAS TAMBANG DI KABUPATEN BANGKA
Authors: Ferdiana Ferdiana
Published: November 2023

The condition of the ex-tin mine excavated land greatly affects environmental conditions because it destroys the ecosystem. The reclamation efforts carried out by PT. Timah, Tbk in the form of new tours in the form of reclamation tours of ex-mining land, namely is Kampung Reklamasi Air Jangkang Merawang and Perkebunan Air Nyatoh. This new tour needs to be disseminated in order to provide an understanding for the community about the use of ex-mining land. So social media is one of the most effective and efficient media to do this. This study is a qualitative research with a descriptive approach that will explain the use of social media as a communication medium for tourism reclamation of ex-mining land in Bangka Regency. The results of the study found that the social media used by PT. Timah, Tbk in the communication of ex-mining land reclamation tourism in Bangka Regency included YouTube, Facebook, Instagram, Twitter and online news portals. The most dominant social media used is the Facebook account of PT. Timah, Tbk. PT. Timah, Tbk utilizes social media to communicate the application of the 4 E concept; Education, Ecology, Environment, Economy.
KONTEKS KOMUNIKASI NETIZEN DI MEDIA SOSIAL: Studi Netnografi Komunikasi terhadap Perilaku Bermedia Netizen di Akun Instagram Jokowi
Authors: Elvianti Elvianti , Wibowo Ari
Published: November 2023

This article aims to explain the context of communication and media behavior of netizens on Jokowi's Instagram account. There are two fundamental problems behind this research, namely; 1) the high participation of netizens in responding to status and posts on Jokowi's account; 2) the emergence of variations in netizen comments in the form of support and hate speech. Therefore, to analyze in depth these problems, this research is supported by a qualitative approach with the ethnographic method of communication. This method is used to find the reasons (motives) and context of communication events that arise from the two virtual communities. The data or information needed in this study is based on the context of the speech community behavior that occurs in the comments column on Jokowi's Instagram account. Netizens who actively argued and gave statements in the comments column were analyzed with and concepts, namely the concept of maxim of wisdom and maxim of appreciation. There are groups or communities that like to give negative comments and there are also communities that give positive responses.
Pengaruh Gaya Komunikasi Kepemimpinan dalam Pengelolaan Organisasi : Tinjauan Analisis
Authors: Wuryan Siti , Mustofa Muhammad Bisri , Saputra Rama , Cahyani Mutiara Putri
Published: November 2023

Memiliki peran penting di sebuah organisasi, gaya kepemimpinan menjadi salah satu hal yang menentukan dalam keberhasilan organisasi. Namun, menjadi bagian dari negara yang berdasarkan hukum dan adat istiadat membuat kepemimpinan sering kali dieratkan dengan etika yang ada, sehingga munculah istilah kepemimpinan yang etis. Tujuan dari artikel ini adalah untuk menelusuri dan mengkaji lebih dalam terkait perbedaan mendasar dari gaya kepemimpinan etis dan tidak etis di dalam sebuah organisasi. Dengan menggunakan pendekatan tinjauan literatur dan tinjauan teori pertukaran sosial dan teori identitas sosial, hasil pengamatan menunjukan bahwa kepemimpinan etis dikaitkan dalam dua dimensi yaitu moral person dan moral manager dengan komponen karakteristik tambahan seperti keadilan, integritas, bimbingan etis, orang orientasi, pembagian kekuasaan, klarifikasi peran, dan kepedulian terhadap keberlanjutan. Kemudian kepemimpinan tidak etis tunjukan dalam dua kategori kepemimpinan yaitu the hypocritical leader yang ditandai dengan sifat munafik dan the ethically neutral leader yang ditandai dengan sifat yang self oriented.
Analisis Pengaruh Kualitas Pelayanan dan Citra Merk Terhadap Loyalitas Konsumen dengan Kepuasan Pelanggan Sebagai Variabel Mediasi (Studi Pada Toko Roti Papa Cookies Seluruh Area Jawa Timur)
Authors: Restuningtika Aprista , Muryati Muryati , Survival Survival
Published: November 2023

MSMEs in Indonesia are already too dominant in terms of numbers and even tend to always increase causing a problem, especially in terms of increasingly fierce business competition. For business actors who are just starting out, they must strengthen their research and knowledge of the market before starting a business. Likewise, for SMEs who were originally established, business actors must think more creatively to survive. One of the efforts that can be done by SMEs is by paying attention to consumer loyalty. The purpose of this study was to determine whether the quality of service and brand image can affect consumer loyalty to the UMKM Bakery Papa Cookies. This study uses quantitative methods with Partial Least Square (PLS) analysis to examine the relationship between variables. The sample taken amounted to 96 consumers. The results of this research show that the better the quality of service and brand image can increase customer satisfaction, so that it has an impact on increasing consumer loyalty at Papa Cookies Bakery.
A Symptomatic Reading on Meyer’s Twilight Series: Some Vicarious Lessons Overview
Authors: Lolowang Imelda S.
Published: November 2023

This paper analyzes the problems or conflicts related to the character of Bella Swan who colors the plot in the Twilight series written by Stephenie Meyer, a popular literary romance genre with a vampire theme, a New York Times Best Seller, that consists of four (4) series, namely Twilight, New Moon, Eclipse, and Breaking Dawn. The author uses the Symptomatic Reading theory based on several expert opinions and basic theories about romance and fantasy, as well as several other expert opinions about this work. Written from the perspective of the main character, Bella, the four Twilight series explicitly and implicitly show some of the problems or conflicts that Bella experienced as a young girl approaching adulthood. The conflicts she experiences stem from his family, herself, and her love life. By analyzing this series of novels, the author not only presents the differences between ideological matters and the facts or reality of the main character's problems, but also raises a new understanding or perhaps more precisely an acknowledgment of the realities that underlie family circumstances, choices and desires of an individual like Bella. Through this analysis, some values or discussions can be drawn and overviewed and can be taken into consideration for the teaching and learning in literature classes, or for the general readers and movie goers in general; bearing in mind that popular literature is no longer a topic to be taken lightly, but must be criticized and benefited from in this era of media and technology, which, in turn, greatly influences the popular culture itself. Thus, it is hoped as well that there will be a balance in knowledge and decision-making in discussions about popular literature.
Analisis Teknis dan Ekonomi dalam Pemanfaatan Area Sekitar Anjungan Lepas Pantai di Laut Jawa untuk Memproduksi Listrik Hijau dengan Turbin Angin Lepas Pantai
Authors: Franika Resistentio Vembre , Ridwan Mohammad Kholid , Perdana Abram
Published: November 2023

Green electricity production with offshore wind turbines is a potential option to increase renewable energy penetration in Indonesia. Indonesia's geographical condition which has 70 percent of the ocean makes the offshore wind turbines interesting for further research. In this study, the area of the ocean that will be used is Papa's offshore platform, which from an operational economic point of view has decreased so that it can be converted into an offshore sub-station for an electricity substation before being sent to a sub-station on land with distance of 40 km and sea depth of 35 m. The study begins with an analysis of the meteo data conditions of the area around the offshore platform which produces an average wind speed of 5.5 m/s (for a height of 119 meters) and the greatest frequency of wind directions from the East Southeast (ESE) direction. Furthermore, the wind farm analysis shows that the best wind farm direction with the Vestas V162-7.2 MW turbine is in the East Northeast (ENE) - West Southwest (WSW) direction with an energy generation potential of 141,656.9 MWh/year and a wake loss of 10% for a generating capacity of 100 .8MW. To determine the economy, an analysis was carried out using LCOE and NPV which resulted in a green electricity production value (LCOE) of $0.192/kWh and in determining investment feasibility an NPV analysis was carried out which produced a selling value of green electricity with an offshore wind turbine of $0.271/kWh.
Efektivitas Reduksi Sampah Makanan dengan Perbedaan Bioaktivator Mengunakan Metode Open Windrow di Kota Surabaya
Authors: Krisdayanti Fauziyah Herdatul Dwi , Hidayah Euis Nurul
Published: November 2023

Food waste is a big problem in big cities, one of them is Surabaya. Indonesia is the second largest producer of food waste in the world. Many food scraps will be processed back into compost. This research was conducted to determine the effectiveness of using EM4 bioactivator, goat manure and deer manure in composting. The organic waste used is food waste, leftover leaves and compost starter. The composting method in this study used the open windrow method. Composting uses 6 open wind mounds with different levels of additional bioactivator. The results showed that the content of beneficial elements for plants, for levels of C/N ratio between 17.88 -19.65 in all composters. The content of the K value is between 0.39 – 0.48 and the content of the P value is between 0.40 – 0.48.
Evaluasi Perbandingan Penjualan Offline dan Online Terhadap Pendapatan (Studi Kasus pada Kedai Cak Mat Ali Kota Bangkalan)
Authors: Arif Ach , Arisinta Octaviana , Ulum Romiftahul
Published: November 2023

In this increasingly developing era, it requires entrepreneurs to be able to continue to develop their business because of increasingly fierce competition, entrepreneurs must have a sales strategy so that the business they are running can continue to survive and can grow and be recognized by the wider community. Kedaia Cak Mata Ali is a business engaged in the food and beverage sector. research was conducted to determine the comparison of offline and online sales of income. The type of data analysis used in this research is descriptive qualitative. Data collection techniques are observation, interviews. And documentation. Analysis of data from research can obtain results of a comparison of offline and online sales to income. It can be seen that offline sales have greater income than online sales. because consumers prefer to buy directly at the cak mata ali shop because prices are cheaper compared to buying online and consumers are more satisfied when buying directly at the shop because the goods purchased can be according to performance.
Pendidikan Karakter Anak Usia Dini pada Surah Luqman Ayat 12-19 Berdasarkan Tafsir Ibnu Katsir
Authors: Amrillah Mafaza , Nadlif Ainun
Published: November 2023

Character education is the most important aspect of a child's life. Character education should be given from an early age so that children develop habits and form good moral character. This research was conducted to find patterns of education for children that are found in Surah Luqman verses 12-19 according to the interpretation of Ibn Kathir. This study used a qualitative approach with a literature study, using documentation techniques and content analysis to obtain valid results. The results of this study are three aspects of moral education for children conducted by Luqman, namely 1) Education of Tawheed (Monotheism), 2) Education of Shariah (Religious Law), and 3) Education of Morality. Suggestions that can be given are further research using the basis of other surahs in the Qur'an and different interpretations.
Hubungan Antara Paparan Asap Rokok dan Status Gizi (LiLA) dengan Kejadian BBLR di Puskesmas Sidotopo Kecamatan Semampir Kota Surabaya
Authors: Vitara Shela
Published: November 2023

LBW (Low Birth Weight) is a health or nutritional problem that is a concern in countries with low socio- economic status, especially in developing countries like Indonesia. LBW is also one of the causes of death of a baby in the first month of birth. In general, the incidence of LBW is caused by maternal factors (nutrition status MUAC (upper arm circumference), fetal factors and placental factors. In addition, there are environmental factors that can cause LBW, namely exposure to cigarette smoke. The purpose of this study was to analyze the relationship between exposure to cigarette smoke and nutritional status (MUAC) with the incidence of low birth weight in the Sidotopo Health Center area, Semampir District, Surabaya City. This research is an analytic observational type research where the researcher does not provide treatment to the intended subject. In addition, the research design used is case control. The study sample is 38 people were taken randomly using simple random sampling. Primary data collection included filling out a cigarette smoke exposure questionnaire.Meanwhile, secondary data collection included nutritional status data (MUAC) contained in the mother's KIA book. Data analysis used in this study was chi-square The results showed that there was a relationship between the nutritional status (MUAC) of mothers (p=0.004) in the case and control groups and the incidence of LBW in the Sidotopo Community Health Center, while exposure to cigarette smoke (p=0.693) in the case and control groups had no relationship with the incidence of LBW. in the Sidotopo Community Health Center. The conclusion from this study is that there is still a lack of MUAC nutritional status measures (<23.5 cm) in pregnant women which can be a risk cause or support for LBW events in infants. It is better to do socialization about LBW and programs for pregnant women and WUS (women of childbearing age). The programs that can be carried out are socialization about the dangers of cigarette smoke to prospective mothers and husbands and improving nutritional status (MUAC) for prospective pregnant women.
Faktor yang mempengaruhi Keputusan dalam Membeli Rumah Ditinjau dari Perspektif Konsumen
Authors: Prihatiningsih Endang , Mursalim Andi , Sitoro Simunawir , Nasir Muhammad , Lestari Ratna Duwi Novita
Published: November 2023

Home as a place to live is one of the basic human needs along with eating and drinking. Therefore, individuals need different options and considerations when deciding to own their home as a long-term residence. The purpose of this work is to analyze the effect of price perception and location on the apartment purchase decisions of consumers in Tama City 4 Sangatta apartment. The research used a quantitative approach. 70 respondents who bought a house in Tama City 4 Sangatta apartment under study. The results of the analysis show that price perception affects the decision to buy an apartment in Tama City 4 Sangatta apartment. Location influences the decision to buy an apartment in Tama City 4 Sangatta Apartment. Price perception and location significantly influence the decision to buy an apartment in Tama City 4 Sangatta apartment.
Peran Pejabat Eksekutif sebagai Pelaksana Fungsi Kepatuhan dalam Penerapan Prinsip Good Corporate Governance pada PT. BPR Gunung Simping Artha Purwokerto
Authors: Mahendra Dicky Jaya , Ratna Edith
Published: November 2023

Executive officers are officials who are elected to carry out compliance duties in the company, especially in rural banks, and are directly responsible to the Director. Carrying out tasks is very important for BPR so that the work program complies with applicable regulations. Based on the Financial Services Authority Regulation Number 4/POJK.03/2015 Implementation regarding Governance for Rural Banks, it is stated that the work unit or executive officer assigned to ensure company compliance must carry out management related to compliance with regulations, and then report it to Director. In this study, the company PT. will be specific. BPR Gunung Simping Artha Purwokerto has carried out its compliance duties by appointing executives who are proven through the submitted Good Corporate Governance reports, which reflect the principle of accountability.
Determinan Financial Technology (FinTech) dan Dampaknya Terhadap Perilaku Keuangan UMKM
Authors: Laksono Rudi , Gultom Junias Robert , Setyawan Iwan
Published: November 2023

The presence of financial technology (fintech) brings alternative solutions for smooth business activities with various easy access. However, the solutions offered are still not fully accessible for use by MSMEs. The low financial literacy index of the Indonesian people, including MSME players, can be reflected in the financial behaviour of MSME players who take the financial system for granted; recording business financial flows is still common and only done simply. Based on this, this article aims to analyze financial behaviour as the impact of FinTech and financial literacy, as well as the role of FinTech in mediating the influence of financial literacy on financial behaviour. To find the answer, a survey method was used by involving 200 respondents in filling out a simple randomly selected questionnaire from MSMEs in the Polugadung Small Industry Village (PIK), East Jakarta. Data were analyzed using Partial Least Square - Structural Equation Modeling. The results show that FinTech and financial literacy have a significant positive influence on financial behaviour. Financial literacy also positively influences the use of FinTech, although its contribution is very low. FinTech only acts as a partial mediator between financial literacy and financial behaviour. The contribution of this study is that efforts to increase the use of FinTech in encouraging the progress of MSME players still need to be improved by the low financial literacy of MSME players, so intensive and massive efforts are needed to provide financial literacy education and training.
Perilaku Kerja Proaktif dalam Pengembangan UMKM
Authors: Fatima Arlindo do Ceu , Muklhlis Imam , Zagladi Arief Noviarakhman
Published: November 2023

The objective of this research is to find out the effects of Proactive Working Behavior on the growth of  MSMEs, to analyze the factors that drive or hinder Proactive Works in MSMEs, to provide guidance and recommendations through the contribution to knowledge and scientific literature, and to measure the social and economic impact. Primary data collection is done through observation or observation. Secondary data is collected from scientific literature and research journals related to proactive behavior in developing  MSMEs. The method approach used to make conceptual is the qualitative approach to postpositivism and positivism with the degree of belief that there is a reality that happens to depend on our thinking that can be studied through scientific methods. Critical realism, however, acknowledges that the theory can be modified through proactive behavior in developing  MSMEs.
Wanprestasi Dalam Perjanjian Pembiayaan Konsumen (Studi Putusan Nomor 11/Pdt.G/2022/PN Bkt)
Authors: Lestiani Karina , Rahmayani Nuzul , Andriaman Mahlil
Published: November 2023

Activities between consumers and consumer financing institutions will occur if there is an agreement. In an agreement, an action cannot be separated from a person who cannot fulfill his obligations so that it can be said to have committed a negligence or made a mistake which is called a default. This research discusses Defaults in Consumer Financing Agreements (Decision Study Number 11/Pdt.G/2022/PN BKt). This research raises two problems, namely 1) How is the implementation of the agreement in consumer financing default cases based on the decision of the Bukitinggi District Court Number 11/Pdt.G/2022/PN Bkt? 2) What is the analysis of the judge's considerations in settling default cases in consumer financing agreements based on Bukitinggi District Court decision No. 11/Pdt.G/2022/PN Bkt? This study uses a normative juridical method. The data source used is secondary data, namely data obtained through a literature study with primary legal materials, secondary legal materials and tertiary legal materials. Data collection was carried out by (normative juridical) by using library research (library research) which is a data collection tool that is not directed directly to research subjects. The data analysis used is a qualitative analysis. The results of the study show how the judge considers the settlement of default cases in consumer financing agreements based on the decision of the Bukitinggi District Court Number 11/Pdt.G/2022/PN Bkt and the legal consequences of engagement from a civil aspect in the occurrence of default for both parties in case Number 11/Pdt .G/2022/PN Bkt.. In this decision the judge decided that PT. Mandiri Tunas Finance who defaulted on CV. Roberto First Works. The judge should have decided based on the Civil Code, to determine whether someone has defaulted based on the provisions of Article 1238 of the Civil Code13. In this case the legal consequence of the engagement from a civil aspect in the occurrence of default for both parties is to punish PT. Mandiri Tunas Finance to pay the costs of the case until the trial has been decided in the amount of Rp. 616,000 (six hundred and sixteen thousand rupiah).
Pelaksanaan Pemberian Asimilasi terhadap Warga Binaan Pemasyarakatan di Rumah Tahanan Negara Kelas IIB Padang Panjang
Authors: Abdi Rezki Kurnia , Yustrisia LoLa , Munandar SyaifuL
Published: November 2023

AssimiLation is the process of fostering CorrectionaL Assisted Residents and CorrectionaL Students which is carried out by mixing CorrectionaL Assisted Residents and CorrectionaL Students in community Life. This study discusses the impLementation of the provision of assimiLation to prisoners in the Padang Panjang CLass IIB State Detention Center. The issues raised how is the impLementation of the granting of AssimiLation Rights to CorrectionaL Inmates in the Padang Panjang CLass IIB State Detention Center and what are the obstacLes and efforts in impLementing the granting of AssimiLation Rights to CorrectionaL Inmates in CLass IIB Padang Panjang State Detention Center. The type of research used is empiricaL juridicaL research. Sources of data used are primary data and secondary data. The impLementation of the granting of the Right of AssimiLation to CorrectionaL FamiLies in CLass IIB Padang Panjang State Detention Center is in accordance with appLicabLe reguLations. However, there are stiLL a number of obstacLes in the procedure which are stiLL not effective, there is resistance from the community towards prisoners and chiLdren of correctionaL institutions. It is better if there is more sociaLization from correctionaL officers to the inmates so that they are interested in fuLfiLLing their assimiLation rights. There is sociaLization that is more motivating from correctionaL officers to inmates so that they are interested in fuLfiLLing their assimiLation rights so that they avoid new criminaL acts when assimiLation is given.
Akibat Hukum Merger Bank Syariah Mandiri, BRI Syariah, dan BNI Syariah
Authors: Usak Usak
Published: November 2023

The purpose of writing this article is to examine legal arrangements for merger of Islamic banking and legal consequences of the merger of Bank Syariah Mandiri, BRI Syariah, and BNI Syariah. The research method used in this research is normative juridical method. Results of this study found that provisions regarding the merger of Islamic Banking are carried out in accordance with the provisions of the legislation as mandated by Article 17 paragraph (3) of Law Number 21 of 2008 concerning Islamic Banking. The legal arrangements for the merger of Islamic Banking in Indonesia can be referred to the Banking Law, Limited Liability Company Law, Islamic Banking Law, Government Regulation Number 28 of 1999, and OJK Regulation Number 41 of 2019. In addition, the merger of Sharia Banks must also pay attention to terms and conditions relating to the prohibition of monopolistic practices and unfair business competition as referred to in Law Number 5 of 1999. The legal consequences of the merger of BRI Syariah, BNI Syariah and Bank Mandiri Syariah may affect the company, shareholders, customers and employee.
Pengaturan Informasi Rahasia Dagang Dalam Perspektif Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen
Authors: Belia Nina Rahayu , Lie Gunardi , Syailendra Moody R.
Published: November 2023

The legal issues discussed in this normative research are information regulation in Law Number 8 of 1999 concerning Consumer Protection and Law Number 30 of 2000 concerning Trade Secrets and legal protection against disclosure of trade secret information in the perspective of Law Number 8 of 1999 About Consumer Protection in the future. The research method used is normative juridical research with a statute approach and a conceptual approach. The legal materials used are: primary legal materials, secondary legal materials, and tertiary legal materials. Analysis of the collected legal material is carried out by inventorying, systematizing and interpreting. The results of the study show that the regulation of information in Law Number 8 of 1999 concerning consumer protection aims to create a consumer protection system that contains elements of legal certainty and information disclosure as well as access to obtain correct, clear and honest information regarding conditions and guarantees of goods and/or or Information services and arrangements in Law Number 30 of 2000 concerning Trade Secrets provide legal protection to Trade Secret rights holders for information that is not publicly known in the field of technology and/or business, has economic value because it is useful in business activities, and is safeguarded confidentiality by the owner of the Trade Secret.
The Birth and Formation of the Nigerian Army: A Background to the Conundrum of Ethnic Rivalry and Military Doctrine
Authors: William Abiodun Duyile
Published: November 2023

This study examined the genesis of the Nigerian Army, the activities in context with policy and platform preference in tactics, strategy and doctrine. Nigeria’s response to the myriad of challenges faced by the Nigerian Army and the role it played pre- 1970. The research also traced the history of the Nigeria Army, and postulates factors in the organization that engendered ethnic rivalry. A retrospect and review of the facts was made, in order that scholars would have an insight on perceptions as well as the reasons why the choice of strategic platform favored the Army. The research identified the reasons why the Army is considered the number one force in the Nigerian state and the land platform is most favored. The other contribution to knowledge is the correlation between ethnic rivalry and the choice of platform.
Harmonizing Modern and Indigenous Democracy: An Exploration of Traditional Democratic Values in Ethnic Communities of Indonesia
Authors: Iskandarsyah Siregar
Published: November 2023

The extended journey towards both economic and political modernization within Indonesia's democratic framework has led to a transformation of its society into an industrialized community. However, this change has largely failed to boost the economic prospects of the general populace. Moreover, the turbulent nature of Indonesia's democratic evolution has not aligned well with the principles of open dialogue and inclusive discussion, as advocated by its foundational philosophy, Pancasila. Over the last 15 years, the amalgamation of development-oriented politics and political liberalization has exerted a detrimental impact on the nation's unique cultural identity and wisdom. The upcoming research aims to revisit and revitalize the indigenous political ideologies and social values held by various ethnic groups and community structures in Indonesia. The objective is to shed light on the unexplored potential of social capital to enhance the quality of the country's democratic governance. The research will focus on two main categories for its case study: Firstly, it will delve into ethnic groups, concentrating specifically on the Wajo and Minang communities; Secondly, it will study communities that are active in a number of urban parks across the Java region. The study is rooted in the theoretical framework of consultative democracy and will utilize qualitative research methods interpreted through the lens of political anthropology to obtain nuanced, context-rich insights.