bluuebunny/crossref_metadata_2025 huggingface dataset:
Risk tolerance dan niat investasi berisiko di kalangan mahasiswa: Peran literasi keuangan sebagai variabel moderasi
Authors: Juwono Angela , Tan Felice Carmelite Aprilie , Sudarsono Jethson Edbert , Anastasia Njo
Published: January 2025

Various factors influence the decision-making process in investment. This study examines the effect of risk tolerance on risky investment intention among university students, with financial literacy as a moderating variable. A quantitative causal approach was employed, using questionnaires distributed via Google Forms. The research sample consisted of 100 university students selected through purposive sampling. Data analysis was conducted using SmartPLS 4.0. The results indicate that risk tolerance significantly influences risky investment intention, whereas financial literacy does not significantly affect risky investment intention. Financial literacy does not moderate the relationship between risk tolerance and risky investment intention. A high level of financial literacy does not necessarily ensure a person's willingness to engage in risky investments. Other factors, such as prior investment experience and psychological factors influence investment decisions. Individuals must understand and manage their emotions and evaluate risk tolerance levels to make wiser investment decisions.
Comparative study of the factors that influence Behavioral Intentions in DANA and OVO users
Authors: Fahri Fahri , Afifah Nur , Juniwati Juniwati , Purmono Bintoro Bagus , Ahmadi Ahmadi
Published: January 2025

This study compares DANA and OVO users in West Kalimantan to investigate the factors affecting e-wallet adoption. To ascertain the impact of compatibility, ubiquity, and social influence on behavioral intention with trust and satisfaction as intervening variables. Data was gathered from 300 respondents using a quantitative comparison approach and analyzed using PLS-SEM. The findings demonstrated that compatibility significantly affects trust and satisfaction, particularly for DANA users, raising their behavioral intention. On the other hand, there was no discernible variation in the impact of ubiquity on satisfaction. Furthermore, social influence had a different effect on trust in the two user groups, with DANA users being more affected. These findings emphasize compatibility and trust in promoting e-wallets, although ubiquity and social influence still need more study.
Penerapan manajemen risiko dalam meminimalisir kredit bermasalah pada BPR Nusumma Jogja
Authors: Rahima Annisa , Utami Diah Dewi Rahmawati
Published: January 2025

This study aims to determine the implementation of credit risk management and the constraints faced at BPR Nusumma Jogja. This research uses a descriptive qualitative method with a phenomenological approach and discusses the application of credit management to minimize non-performing loans at BPR Nusumma Jogja. The results showed that the implementation of credit risk management at BPR Nusumma Jogja is carried out by identifying, measuring, monitoring, and controlling risks. There are obstacles during the implementation of credit risk management, including the lack of coordination between employees, credit officers who do not understand their duties, and lack of employee motivation. BPR Nusumma Jogja improves quality by separating the function between the Account Officer and the section that handles problem loans, socializing credit products to customers, a commitment by the BPR Nusumma Jogja credit team, and equipping all employees to be able to analyze credit problems.
Penerapan Metode Bermain Sambil Belajar untuk Meningkatkan Kemampuan Sosial Siswa SD
Authors: Agustina Sri Rezeki , Sabrina Sabrina , Aiman Umul , Adiansha Adi Apriadi , Nurgufriani Anita
Published: January 2025

Penelitian ini bertujuan untuk menganalisis penerapan metode bermain sambil belajar dalam meningkatkan kemampuan sosial siswa Sekolah Dasar (SD). Metode bermain sambil belajar dianggap efektif dalam mengembangkan keterampilan sosial siswa, seperti kerja sama, empati, komunikasi, dan penyelesaian masalah. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif dengan observasi langsung serta wawancara terhadap guru dan siswa yang terlibat dalam kegiatan bermain sambil belajar. Hasil penelitian menunjukkan bahwa penerapan metode ini memberikan dampak positif terhadap kemampuan sosial siswa, terutama dalam meningkatkan partisipasi, kerja sama, serta empati terhadap teman sebaya. Meskipun terdapat beberapa kendala, seperti keterbatasan waktu dan fasilitas, penerapan strategi pengelolaan yang tepat dan kreativitas guru dalam merancang permainan dapat mengatasi hambatan tersebut. Penelitian ini menyimpulkan bahwa metode bermain sambil belajar dapat menjadi solusi yang efektif untuk meningkatkan kemampuan sosial siswa SD, yang sangat penting dalam pembentukan karakter sejak usia dini.
Sustainable Optimization in Supply Chain Management Using Machine Learning
Authors: Zhu Junlin , Wu Ying , Liu Zihao , Costa Cecelia
Published: January 2025

The complexity of modern supply chains requires robust solutions to improve efficiency, resilience and sustainability. This study proposes a systematic data-driven framework that integrates predictive analytics, anomaly detection, and multi-objective optimization. The enhanced LSTM model features an attention mechanism that reduces RMSE by up to 18.8%, significantly improves demand forecast accuracy and reduces the risk of out-of-stock and over-stocking. Anomaly detection showed a true positive rate exceeding 95%, reducing response times to disruptions by 28.5%. In addition, resource optimization resulted in a 26.5% increase in inventory turnover and an 18.2% reduction in transportation costs, highlighting the framework’s ability to achieve measurable economic and environmental benefits. Quantitative validation through rigorous methods, including RMSE and cost minimization calculations, confirms the framework’s capacity to address complex supply chain challenges. However, reliance on high-quality datasets and the absence of external variables such as geopolitical risks and market fluctuations are noted limitations. Exploring these gaps in future research will significantly improve the framework's scalability and practical implementation, especially in dynamic and multi-regional contexts. This study offers valuable insights into the integration of advanced analytics and optimization techniques, providing a practical foundation for developing resilient and sustainable supply chains in an increasingly unpredictable global context.
Innovation and Optimization Practice in Business Operations
Authors: Han Xiaofei , Dou Xin
Published: January 2025

With the intensification of market competition and the increasing diversification of consumer demand, business operations, as a key link connecting the market and consumers, are particularly important for innovation and optimization. This article analyzes the current situation of business operations, explores the problems faced in the process of innovation and optimization, and proposes effective strategies, including strengthening technology integration and innovation, building personalized service systems, etc. In order to provide useful references for enterprises to improve operational efficiency and enhance market competitiveness.
Research Progress on the Treatment of Knee Osteoarthritis with Duhuo Jisheng Decoction
Authors: Hu Wenxiang , Liu Yang , Wang Bingqian , Li YinGang
Published: January 2025

Knee osteoarthritis (KOA) is a chronic degenerative disease characterized by cartilage degeneration, subchondral bone sclerosis, and synovial inflammation in the knee joint. Traditional Chinese medicine has unique advantages in the prevention and treatment of KOA, among which Duhuo Jisheng Decoction has the effects of dispelling rheumatism, relieving arthralgia, nourishing the liver and kidney, and strengthening bones and muscles, which can address both the symptoms and root causes of KOA. The mechanism of action of Duhuo Jisheng Decoction in treating KOA includes inhibiting inflammatory factors and cell pyroptosis, promoting cartilage cell proliferation, and inhibiting cartilage matrix degradation. Clinically, oral administration of Duhuo Jisheng Decoction combined with other medications taken orally or injected into the joint cavity, acupuncture, shock wave therapy, and other therapies have achieved significant therapeutic effects in treating KOA. This article provides a formula explanation of Duhuo Jisheng Decoction and reviews the research progress of Duhuo Jisheng Decoction in treating KOA from two aspects: mechanism of action and clinical efficacy.
Progress in the Study of Chinese and Western Medicine Treatment of Chronic Constipation in the Elderly
Authors: Duo Deng , Li Liu
Published: January 2025

Chronic constipation is a common geriatric syndrome, which not only affects the quality of life, but also induces and aggravates cardiovascular and cerebrovascular diseases and intestinal diseases; it is a common clinical disease and a difficult clinical treatment. About 15% to 20% of the elderly aged 60 and above suffer from chronic constipation. With the further development of population aging, the treatment of chronic constipation in the elderly is becoming more and more important, and this paper provides a review of Western medicine treatment, Chinese medicine treatment and the combination of Chinese and Western medicine in the treatment of chronic constipation in the elderly, in order to provide reference for the future clinical treatment and scientific research.
Research Progress on the Treatment of Uterine Bleeding by Traditional Chinese Medicine
Authors: Deng Jiedan , Liu Xiaomao
Published: January 2025

Uterine bleeding refers to heavy vaginal bleeding during a woman's abnormal menstruation, The onset of more acute blood storm is called avalanche, and the disease is slower and less dripping blood is called leakage. Often secondary infection anemia infertility and even shock and other complications, it belongs to severe and urgent gynecology. In this paper, the pathogenesis, etiology, pathogenesis, dialectical treatment and clinical research of caving leakage in recent years were reviewed, with a view to providing references for clinical treatment and basic research.
A Cross-Sectional Study on Palliative Care Knowledge and Attitudes Toward Death Among Vocational Nursing Students
Authors: Zuo Zhenzhen , Qian Xiquan
Published: January 2025

This study investigates the current state of hospice care knowledge, attitudes toward death, and attitudes toward hospice care among nursing students at Guangzhou Huaxia Vocational College. A total of 320 valid questionnaires were collected for analysis. The results indicate that nursing students possess a good understanding of hospice care knowledge; however, there are significant gaps in their comprehension of the principles and scope of palliative care. Additionally, the students demonstrate a natural acceptance of death alongside some degree of fear, while exhibiting a generally positive attitude toward providing compassionate care in hospice settings. The study recommends strengthening the integration of theory and practice in hospice care education to enhance the professional competence of nursing students, enabling them to better address the needs of patients at the end of life.
Optimal Screw Trajectory for Percutaneous Screw Fixation of Sanders Type ⅡC Calcaneal Fractures: A Finite Element Analysis
Authors: Peng Yang , Luo Gang , Ni Weidong
Published: January 2025

Background: Percutaneous screw fixation has been widely used to treat calcaneal fractures, but the optimal screw configuration is still unclear. In this study, finite element analysis was used to explore the optimal screw fixation. Methods: Mimics 21.0 software was used to process the ankle CT of a healthy subject and extract a three-dimensional model of the calcaneus. After optimizing the model using Geomagic Wrap 2021, the SandersⅡC fracture model was constructed in SolidWorks 2022 and four internal fixation methods with different screw directions were designed to simulate the internal fixation of the fracture. Finally, the finite element analysis was completed in ANSYS Workbench 2022 R1. Results: The maximum stress of screw and bone and the maximum displacement of fracture fragment in the study group and control groups 1 were significantly smaller than those in the control groups 2 and 3. Conclusion: The screw configuration of study group and control group 1 (two transverse screws to fix the articular surface fracture fragment, one longitudinal screw fixed from the calcaneal tuberosity to the calcaneal anterior process, and one longitudinal screw fixed from the calcaneal tuberosity to the sustentaculum talus) can obtain the best biomechanical fixation effect.
Progress and Prospects of Interleukin-22 in the Treatment of Non-alcoholic Fatty Liver Disease
Authors: Pan Yuhao , Yu Zebo
Published: January 2025

Non-alcoholic fatty liver disease (NAFLD), also known as metabolism-associated fatty liver disease (MAFLD), has turned into the most prevalent chronic liver disease all over the world, with a complex pathogenesis and a lack of specific therapeutic agents. Interleukin-22 (IL-22), as a cytokine, plays a crucial role in liver physiology and pathology. The aim of this paper is to review the prospects and outlook of interleukin-22 (IL - 22) in the treatment of NAFLD, introduce the biological functions of IL - 22, discuss its mechanism of action in NAFLD, including its regulatory effects on liver inflammation, liver fibrosis, and lipid metabolism, etc., and analyse the current research advances on the treatment of NAFLD based on IL - 22, the challenges it faces, and the possible directions for future development.
Neo4j-Based Analysis of Traditional Chinese Medicine Clinical Patterns Used to Treat Irritable Bowel Syndrome
Authors: Wu Qianqian , Zhang Wei
Published: January 2025

Objective: To apply Neo4j to construct a knowledge graph to explore the medication pattern of clinical treatment of irritable bowel syndrome, and to provide a new basis for the treatment of irritable bowel syndrome by Chinese medicine. Methods: By searching, collecting and screening the clinical type of literature on Chinese medicine treatment of irritable bowel syndrome in the database of China Knowledge Network in the past 5 years, using the prescriptions that meet the criteria in these literatures to establish an Excel database, and then applying the PHP 5.4 program code to the statistics of evidence type, frequency of Chinese medicine, frequency of use of Chinese medicine, as well as Chinese medicine operation. The final results were visualized using Javascript with the Echarts v5.3.2 drawing plug-in. A total of 298 valid data were included, of which the IBS-D high-frequency syndrome was liver depression and spleen deficiency, and the use of Chinese medicines was mainly based on spleen-strengthening medicines, Rhizoma Atractylodis Macrocephalae and Poria cocos ranked the first in terms of the “pairwise correlation”, while the IBS-C high-frequency syndrome was liver depression and Qi stagnation, and the use of Chinese medicines was mainly based on regulating Qi, and the highest “pairwise correlation” was Hojiblasta chinensis and Radix Angelicae Sinensis. Hovenia Citri reticulatae and Angelica sinensi had the highest “pairwise correlation”. Conclusion: Irritable bowel syndrome (IBS) is centered on liver stagnation, and the main principle of treatment is to regulate qi and dredge the liver.
Research Progress on Mechanism of Action of Vascular Endothelial Cells in Autologous Arteriovenous Fistula Stenosis
Authors: Li Hang , Zhao Yanlong
Published: January 2025

At present, arteriovenous fistula is the preferred vascular access for hemodialysis patients. In clinical practice, arteriovenous fistula is often narrow, in which vascular endothelial cells play an important role. This paper introduces the mechanism of arteriovenous fistula stenosis, the function of endothelial cells, the common injury mechanism, and the relationship between endothelial cells and endometrial hyperplasia, and further discusses the role of vascular endothelial cells in the occurrence and development of arteriovenous fistula stenosis, in order to provide new ideas for improving the prognosis of arteriovenous fistula stenosis by intervening vascular endothelial cells.
Early Childhood Education Under the NEP2020 Framework
Authors: Bansod A. D.
Published: January 2025

The early childhood education (ECE) is very important in shaping up the future of a child in later part of his education. The quality of education be imparted to every child will be similar if adequate importance and care be given at the nascent stage. Each toddler has the same right and privileges in getting the ensured quality education from their beginning of study. In India, though previous education policies gave some emphasis on preschool education, but it was not that systematic until a child attaints the formal schooling from standard one which entry level varies from 5years to 7 years state to state. The NEP2020 has in its policy document tried to unify the various preschool initiatives to a single umbrella. It has recommended that the formal schools will start their preschool activities for the child from three plus ages. The different kindergarten, Montessori's, aganwadis will function as per the formal schooling. One of the premier education board CBSE already implemented the scheme in tune with NEP2020, by opening balvatika. The entry age at standard one for all the child from the current academic session 2014 - 2015 is at least 6 years uniformly in all the states irrespective of their education boards. In my paper, why the maximum stress must be given at the formative stage of education has been discussed.
Teaching Reform and Exploration of Python Programming Course Based on Knowledge Graph
Authors: Liang Jinliang
Published: January 2025

This paper explores the application of knowledge graphs in the reform and exploration of Python programming education, using a case study from Nanfang College Guangzhou. The study investigates the impact of knowledge graphs on student learning outcomes in a Python programming course, comparing an experimental group (EG) that utilized an interactive knowledge graph-based learning tool with a control group (CG) that followed traditional teaching methods. A mixed-methods approach was adopted, combining quantitative assessments (pre- and post-course quiz, final exams, and practical coding assignments) with qualitative feedback from students through surveys. The results reveal that the EG outperformed the CG in all assessment categories, showing a significant increase in quiz scores, final exam performance, and practical coding assignments. Specifically, the EG demonstrated a 13% improvement in quiz scores, a 15% increase in final exam scores, and an 18% improvement in coding assignments compared to the CG. Statistical analysis confirmed the significance of these differences, with p-values below 0.05 for all measures. Qualitative feedback from the EG also highlighted the effectiveness of the knowledge graphs in enhancing understanding of abstract programming concepts, improving problem-solving skills, and boosting confidence in applying Python programming to real-world problems. These findings suggest that knowledge graphs can serve as a powerful teaching tool in programming education, offering students a visual and interactive method to comprehend complex relationships between programming concepts. The study highlights the potential for integrating KGs into computer science curricula to foster deeper learning, reduce cognitive load, and improve student outcomes. Further research is recommended to explore the long-term impact of knowledge graphs on programming education and their applicability across different programming languages and educational contexts.
Research on the Teaching Reform Path of “Situation and Policy” Course Based on OBE Education Concept
Authors: Liang Shumei , Wang Gengye
Published: January 2025

Faced with the new situation of current educational development, the ideological and political theory courses in colleges and universities urgently need important teaching theories for effective reform and practice. The course “Situation and Policy” is an important part of the ideological and political theory courses in colleges and universities. How to improve its course quality has become a major issue. OBE education theory is the main educational concept for studying learning output and continuously improving important results. It advocates focusing on students-centered, results-oriented, and continuous improvement. It plays a significant role in improving the teaching quality of ideological and political theory courses and the quality of talent training. This paper is committed to the integration of the “Situation and Policy” course in applied universities with the OBE education concept, exploring the path of teaching reform, and providing new ideas and methods for teaching design and model innovation. According to the semester practice, it summarizes the optimization of the teaching model system of the “Situation and Policy” course based on OBE, which is more conducive to achieving teaching goals, teaching platform construction, and assessment and evaluation improvement, and is more conducive to enhancing the cultivation of students’ abilities.
Factors Affecting Women's Estate Planning Needs: A Quantitative Survey
Authors: TabaanAlenezi Omar , Mlama Shereen
Published: January 2025

Estate planning is arrangement for the management and distribution of one's assets and wealth after death or in the event of incapacity. It involves creating legally binding documents such as wills, trusts, powers of attorney, and advance directives to ensure that an individual's wishes regarding their property, financial affairs, and healthcare decisions are carried out according to their preferences. It is essential for individuals of all ages and income levels to engage in estate planning to protect themselves and their families in the event of incapacity or death. Consulting with legal and financial professionals can help individuals create a comprehensive estate plan tailored to their specific needs and goals. This study investigates the factors like longer life expectancy, wage gap and career interruptions, Asset ownership and control, Family dynamics and care giving responsibilities, protecting children and heirs that contribute to the necessity for estate planning among women where surveys will be conducted to gather data from a diverse sample of 216 women. The study will examine demographic factors such as age, marital status, educational level, and family structure and conduct the t - test to determine their influence of different on women's estate planning needs. By addressing these factors, stakeholders can develop targeted strategies and educational resources to empower women to make informed decisions about their financial futures and legacy planning.
Study of Nonlinear Behavior in Steel Shear Connections via Finite Element Modeling
Authors: Sagar Ishwar Chandra Vidya , Bilhassan Salima
Published: January 2025

Shear-links are the most important part of an eccentrically braced steel frame system and provide fuse in terms of reducing the forces acting on the rest of the members such as columns and braces in the framing system. In this study shear links are modeled and analyzed in finite element program ANSYS Workbench with 3-D elements. The study is attempted to increase strength, reduce weight and produce more economical structures by using elegant member sections. Shear links with different sections are modeled, analyzed and find out optimal section. By grid convergence study finds out the optimal element length needed for the shear links under various loading conditions. Nonlinear analysis of shear links with the influence of unsymmetrical loading is to be carried out and analyze the models with weight and stress parameters.
Contribution of India's Job Creation Sectors: A Comparative Study of Organized and Unorganized Sectors
Authors: Sreedhar Shalini , Kadel Lakhan Bhaskar
Published: January 2025

India has experienced rapid economic growth, structural shift in the economy, increase in educational attainment levels and rapid urbanization in the last 25 years. In the context of this rapid economic growth changes have also been occurred in the labour market of India. New jobs are created, competition takes place, and consumer’s choice has increased with the increase in economic efficiencies and all factors in turn leads to further economic growth. Labour market of India is divided in to two sectors viz; organised and unorganised sectors. Changes in the economy also bring changes in the employment in these two sectors in different states. Again, both the sectors have a significant contribution towards the national economy, growth in the economy also bring changes in their respective share towards the economy of the country. In this paper an attempt has been done to make a comparative analysis of states with regard to employment. Special emphasis is also given on industry wise employment differences in these two sectors. Contribution of these sectors towards country’s economy is also analyzed here. (Organised Sector, Unorganised Sector, Employment, States of India, Net Domestic Product.)
Application Development Using Flutter and React Native: Cross Platform Development
Authors: Panda Khirod Chandra
Published: January 2025

Mobile application development has been in trend since the launch of smartphones. Most of the businesses are now handled on mobile phones. Even Google has made it mandatory to build mobile-friendly websites. Mobile application developers need to develop apps using the most suitable platform for better results and customer use. Here we have compared the most trending mobile application development platforms that can be used to write a single codebase and deploy it on both Android and IOS. This paper also delves into the reusability and performance considerations of both platforms. The future developments of both these cross-platforms have also been discussed by considering the most emerging technologies. The research aims to provide enough information to the developers to understand both these platforms, make better decisions, and produce efficient mobile applications. This paper provides a great resource to all the developers and stakeholders to utilize both these cross platforms and produce the best mobile application projects.
Improving Efficiency: Optimizing the Average Processing Time of Crm Systems Based on Machine Learning
Authors: Lakhotia Kartik
Published: January 2025

This paper delves into the innovative application of machine learning (ML) technologies to reduce Average Handle Time (AHT) in Customer Relationship Management (CRM) systems, a critical metric for assessing customer service efficiency and effectiveness. Through an in-depth analysis, we examine how ML algorithms can automate routine tasks, provide predictive insights, and enable personalized customer interactions, thereby streamlining operations and enhancing customer satisfaction. The integration of ML within CRM systems poses unique challenges, including technical integration complexities, data privacy concerns, and the need for continuous adaptation and training. By exploring practical implementation strategies, this study highlights the transformative potential of ML in redefining customer service paradigms. Furthermore, we address the ethical considerations and change management approaches essential for successful ML adoption. Our findings suggest that leveraging ML not only reduces AHT but also significantly improves the overall customer service experience by allowing agents to focus more on complex, value-added interactions. The paper concludes with a forward-looking perspective on the future of ML in CRM, emphasizing continuous improvement, ethical data use, and the cultivation of a culture of innovation. This study contributes to the growing body of knowledge on the intersection of ML and CRM, offering valuable insights for organizations seeking to enhance their customer service operations through technological advancements.
Dynamic Changes and Analysis of Hospital Reading Patterns Based on Supervised Machine Learning
Authors: Suta Damas Dominic
Published: January 2025

The challenge of reducing patient readmissions remains a pivotal concern within the healthcare sector, especially for elderly, given its implications for patient outcomes and healthcare economics. This study introduces an innovative approach, leveraging Linear regression model (LRM) and machine learning models, to dissect and predict the complex patterns of patient readmissions. This research is anchored in a robust methodology that encompasses the collection and preprocessing of data, application of LRM to distill the data into principal components, and the deployment of machine learning models on the transformed datasets. The core of this approach is the simplification of the multifaceted nature of healthcare data, enabling a deeper exploration of the determinants of readmissions. The findings of this research carry significant implications across several domains of healthcare, from clinical practice to policy formulation and resource management. By enabling more accurate patient risk stratification, healthcare providers can allocate interventions more effectively, concentrating efforts and resources on high-risk patients. Moreover, the insights derived from the analysis provide a strong evidence base for policymaking, aimed at addressing the underlying causes of readmissions. This facilitates the development of policies that can significantly impact patient care and healthcare system sustainability. A key outcome of this study is the advancement of personalized patient care. Through the identification of specific factors associated with readmissions, healthcare providers can create personalized care plans, reflecting a shift towards personalized medicine and improving patient satisfaction and outcomes. Furthermore, the continuous refinement of the analytical models promotes a culture of improvement, ensuring that healthcare services can adapt to emerging insights and maintain the relevance and accuracy of predictive models.
A Power Amplifier Modeling Method Based on the Time Delay Deep Neural Network
Authors: Wang Shilin , Liu Wenyuan
Published: January 2025

A power amplifier (PA) modeling method based on the time delay deep neural network (TDDNN) is proposed in this paper. By integrating time-delay units with a multi-layer hidden neural network structure, the TDDNN enhances the modeling capability for dynamic nonlinear systems. Time-delay information and a multi-layer network architecture are incorporated into the TDDNN to improve its ability to capture the memory effects and nonlinear characteristics of input signals, thereby increasing modeling accuracy. Meanwhile, the number of hidden layer neurons in TDDNN is reduced, which optimizes the structural complexity of the model. The feasibility of this innovative structure is demonstrated through a case study of a Motorola PA. Experimental validation indicates that the proposed TDDNN method not only improves modeling accuracy but also effectively reduces computational complexity, offering an efficient solution for modeling complex dynamic nonlinear systems.
The Impact of Financial Literacy on Personal Financial Decision-Making: A Study with Students
Authors: M Arun Kumar K , Srinivasa N.
Published: January 2025

As students are developing long - term financial habits, financial literacy has been increasingly recognised as an essential skill for effective personal financial management. The objective of this research is to assess the impact of financial literacy on improving students' personal financial decision - makings. Efficient money management is facilitated with the basic understanding of financial concepts which includes budgeting, saving, investing and managing debt. Students who are financially literate tend to make informed decisions in allocation of their resources effectively in order to meet short - term and long - term goals. The study emphasizes the importance of incorporating thorough financial literacy programmes into university curriculum to equip students with vital skills necessary for prudent financial handling. Personal financial management is essential for students as it lays the foundation for their financial well - being both during their academic years and beyond. The need for financial literacy education among students is further underscored with broader economic benefits such as increased savings rate, lower debt levels and improved economic stability. The research explores obstacles in acquiring financial literacy such as socio - economic limitations, lack of practical financial experience and limited access to financial education resources. The data for analyses is collected through questionnaire from 100 respondents using convenience sampling technique to evaluate how financial literacy helps students to make better financial decisions.
Navigating Digital Borders: Netflix’s inclusion and Exclusion in China
Authors: Shen Fangzhou
Published: January 2025

Since the television has gradually been expanded into the digital world, streaming platforms are becoming more and more popular. Netflix, as one of the most representative one around the worlds, made an impact on media infrastructures. Its ambition is not merely about content transmission but to be a media institution to control media resources. This essay concentrates on the condition of Netflix in China, representing that its inclusion and inaccessibility were embedded in the complex relations. Netflix’s case in China serves as a striking example of how digital sovereignty can function as a form of resistance to digital colonialism, as well as illustrating the limits of SVOD platforms to provide truly universal access.
Pregrei: Center of Jainism in North Karnataka
Authors: Kivudanavar Dr. Jagadeesh , Maligi Dr. Sushma
Published: January 2025

Puligere, present Lxmeshvar in Shirahatti taluka of Gadag District in the state of Karnataka, comprises the area of about 300 villages in the talukas of Shirahatti, Savanur, parts of Shiggaon, Kundagol, Gadag and Haveri in the former Dharwad district of Karnataka state. It is well known as Puligere Nadu, played an important role in the medieval history of the Deccan, situated in the heart of the Karnataka, it was the capital and enjoyed the unique status of the region where pure Kannada, Tirul Kannada region. In fact, the region was also one of the administrative units of Karnataka. It was mainly because of its strategic location that the rulers of various dynasties in Karnataka had tried to bring Puligere Nadu under their control. Since the period of early Chalukyas down to the decline of the Vijayanagara empire in the 16th century A. D., its position as the capital remained undisturbed. The region was at its height of glory particularly under the Rastrakutas and the later Chalukyas. The frontiers of Puligere Nadu were Belvola - 300 in the North, Masavadi - 140 in the East and Banavasi - 12000 in the South - Western directions. The abundant availability of source materials in this region through light on the multifaceted activities, which in turn enriched the material and cultural prosperity and this paper is based on inscriptions. We find that in almost every field of activity Puligere Nadu has left an indelible footprint in the history of Karnataka in general and North Karnataka in particular.
Analysis of the Influence of College Entrance Examination System Reform on Educational Equity
Authors: Huang Shiyin
Published: January 2025

This paper focuses on the relationship between the reform of the college entrance examination system and educational equity. First of all, the definitions of college entrance examination system and educational equity are clarified, and the internal relations between them are elaborated. Then, the paper traces the historical change track of the college entrance examination system in the past years and a series of reform processes it has undergone. At the same time, it deeply analyzes many problems exposed by the traditional college entrance examination system in terms of fairness from multiple dimensions such as regional differences, social class differentiation and exam content setting. Then, the paper deeply analyzes the various measures taken by the new round of college entrance examination system reform in the process of promoting educational fairness and the results produced, including the positive changes in many aspects, such as the equalization of examination opportunities, more diversified comprehensive evaluation system and the expansion of the autonomy of colleges and universities in the recruitment process. In addition, a series of challenges in the reform process are discussed, such as the difficulties encountered in the implementation of comprehensive quality assessment and the potential unfair risks caused by the selection mechanism of examination subjects. Finally, the paper puts forward relevant suggestions aimed at further optimizing the reform of the college entrance examination system so as to effectively guarantee educational equity, hoping to provide solid theoretical support and practical reference examples for promoting the college entrance examination system to continue to move towards a fairer, more scientific and rational direction.
Evaluating the Bacterial Contamination in Used Cosmetic Products: A Potential Threat to Consumer’s Health
Authors: Rakhshanda Abbasi  , Shaista Bano  , Tunio Sarfraz Ali , Nazir Ahmed Brohi  , Aasma Siddiqui
Published: January 2025

Cosmetic products tend to be prone to microbial contamination as they contain growth factors, essential minerals, organic and inorganic compounds which provide favourable conditions for microbial growth. The aim of the present study is to evaluate the bacterial contamination in used cosmetic products at Hyderabad. A total of 22 samples of used cosmetic products belonging to Mascaras and Eyeliners were collected from beauty salons and homes, which were either used by a single person or used in sharing with other family members. The isolation and identification of contaminating bacteria was carried out on the basis of cultural, morphological, and biochemical characteristics. Out of 22 cosmetic samples 72.73% (n = 16) demonstrated bacterial growth, while 27.27% (n = 6) samples had no bacterial growth. A total of n = 41 bacterial isolates were recovered from used cosmetic samples. The majority of bacteria belonged to Gram-positive 82.93% (n = 34) while 7.32% (n = 03) were Gram-negative bacteria. Moreover, 9.76% (n = 04) samples showed the growth of mixed cultures. Bacteriological profiling revealed that Bacillus spp. were dominant with 63.41% (n = 26), followed by Micrococcus spp. 7.32% (n = 03), Coagulase-negative Staphylococci 7.32% (n = 03), Staphylococcus aureus 4.88% (n = 02), while Proteus mirabilis 2.44% (n = 01), Citrobacter spp. 2.44% (n = 01), E. coli 2.44% (n = 01). Our results have shown that, the shared cosmetics whether used at homes or in salons were more prone to bacterial contamination than non-shared home-based single users, suggesting that sharing increases their susceptibility to bacterial contamination, which can spread bacteria and cause skin infections.
Biomass Carbon Sequestration Potential of Conifers in Relation to Tree Structural Traits and Anthropogenic Disturbance Stimuli in Kashmir Himalaya
Authors: Khan Raja Waqar Ahmed , Shaheen Hamayun , Dar Muhammad Ejaz Ul Islam , Awan Shahzad Naseer , Qayyum Seema , Nazir Nimra , Ahmed Khawaja Waqas , Awan Muhammad Shakeel
Published: January 2025

It is essential to quantify the amount of carbon stored in the biomass of forest species to determine the potential for mitigating climate change through forest management. This study aimed to estimate the biomass carbon stock (BCS) of coniferous tree species in 16 temperate (TFs) and 4 subalpine forests (SFs) in the state of Azad Jammu and Kashmir (AJK). BCS was calculated for individual trees using allometric equations. The total BCS was 66.5 ± 6 .8 Mg ha-1, with 42.4 ± 7.3 Mg ha-1 (63.7%) in TFs and 24.2 ± 4.1 Mg ha-1 (36.3%) in SFs. The dominant species, Pinus wallichiana A.B. Jacks. and Picea smithiana (Wall.) Boiss., had corresponding BCS totals of 22.4 ± 4.6 (33.7%) and 21.7 ± 4.8 Mg ha-1 (21.7%), respectively. Abies pindrow Royle had a BCS of 14.1 ± 3.8 Mg ha-1 (21.2%), while the lowest value of 8.3 ± 1.3 Mg ha-1 (15.5%) was found in Cedrus deodara (Roxb. ex D. Don) G. Don. TFs showed healthier structural attributes, with higher tree diameter at breast height (DBH) (155.7 ± 8.2 cm) and density (157.1 ± 4.2 trees ha-1) compared to SFs, which had lower DBH (131 ± 7.4 cm) and density (113.9 ± 7.7 trees ha-1). The forests in this region are facing significant deforestation, with 154.0 ± 6.4 stumps ha-1 in temperate forests and 48.8 ± 2.8 stumps ha-1 in subalpine forests. Statistical analysis revealed a significant correlation between BCS and tree girth, height, and total stem density. This study highlights the allocation trends of BCS among keystone species in a climate-sensitive region and emphasizes the need for forest conservation in the context of climate change.
A proteção da criança no âmbito internacional: o papel das Nações Unidas
Authors: De Carvalho Nogueira Alice , De Sant’Anna Reis Ana Paula Marino , Ferro Parente Leticia
Published: January 2025

A presente pesquisa propõe uma análise sobre o papel da Organização das Nações Unidas no combate ao aliciamento de crianças, a partir do estudo de caso dos grupos armados inseridos no conflito colombiano após os anos 2000. Nosso objetivo é compreender as limitações da organização em prevenir ou combater o uso da crianças-soldados na realidade latino-americana, tendo como eixo o país com o maior número de incidência deste fenômeno, a Colômbia. A partir da pesquisa documental, observamos que o recrutamento de crianças-soldados na Colômbia difere de outras realidades ao redor do mundo ao apresentar o recrutamento forçado como a exceção, e a voluntariedade como seu principal eixo. Tal particularidade a ser apresentada, traz à tona o papel da criança como agente de suas próprias escolhas e a baixa eficiência das resoluções internacionais, como as sancionadas pelas Nações Unidas, pensadas a partir de um modelo universal de infância para que grupos armados deixem de recrutar crianças. Os resultados indicam que a promoção de visões essencialistas e universalizantes pela organização dificultam o engajamento com o intuito de mitigar a questão no nível local.
Developing a cybersecurity maturity model for fintech firms using predictive analytics
Authors: Princess Eloho Odio  , Richard Okon  , Mary Oyenike Adeyanju  , Eseoghene Kokogho  , Obianuju Clement Onwuzulike
Published: January 2025

As the fintech industry expands, so does the sophistication of cybersecurity threats, making it critical for firms to adopt proactive and resilient security measures. This abstract proposes a cybersecurity maturity model specifically designed for fintech firms, incorporating predictive analytics to assess and enhance their cybersecurity posture. By leveraging predictive analytics, this model enables fintech companies to anticipate potential vulnerabilities, detect emerging threats, and strengthen their security strategies before incidents occur. The proposed cybersecurity maturity model is structured into distinct stages, ranging from basic security measures to advanced predictive capabilities. Each stage represents the evolution of a fintech firm's cybersecurity maturity, with predictive analytics playing a central role in moving from reactive to proactive defense mechanisms. Through the integration of machine learning algorithms and data-driven insights, the model can predict future risks based on historical attack data, threat patterns, and internal security metrics. This predictive capability allows fintech companies to identify vulnerabilities in real-time, prioritize security resources, and implement mitigation strategies ahead of potential attacks. The model also emphasizes continuous monitoring and data collection from various sources, such as transaction logs, network traffic, and user behavior, to build a comprehensive security profile. Predictive analytics can then process this data to provide forecasts on potential threats, attack vectors, and security gaps. The application of predictive analytics enhances decision-making, allowing cybersecurity teams to allocate resources more effectively and implement targeted interventions. Furthermore, this cybersecurity maturity model provides a framework for fintech companies to measure their progress, ensuring a systematic approach to enhancing security. It also fosters a culture of continuous improvement, aligning with the dynamic and evolving nature of cybersecurity in the fintech sector. Ultimately, by adopting predictive analytics, fintech firms can enhance their ability to protect digital financial operations, build customer trust, and comply with regulatory standards.
A ATUAÇÃO DE CONSELHOS ESTADUAIS DE EDUCAÇÃO: QUANDO O LEGALISMO ORIENTA AS DECISÕES
Authors: Flach Simone Fátima
Published: January 2025

O texto apresenta análise a respeito da atuação de Conselhos Estaduais de Educação durante a pandemia da Covid-19. O recorte geográfico está circunscrito na região sul, tendo os encaminhamentos dos órgãos normativos como foco de análise. Com base na perspectiva materialista histórico-dialética, as análises documentais indicam que as medidas emitidas estiveram vinculadas ao legalismo quanto ao cumprimento de carga horária, sem a necessária garantia do direito à educação de qualidade para a classe trabalhadora.
POLÍTICA DE INICIAÇÃO CIENTÍFICA NO ENSINO MÉDIO: REVISÃO INTEGRATIVA DA LITERATURA COM EGRESSOS
Authors: Arantes Shirley de Lima Ferreira
Published: January 2025

Pesquisa de natureza bibliográfica que busca conhecer os jovens que têm se beneficiado da política de Iniciação Científica no Ensino Médio no Brasil, investigando os desdobramentos dessa participação nas trajetórias biográficas dos egressos, a fim de contribuir para a caracterização dos impactos da política. Trata-se de uma revisão integrativa, na qual foram incluídas três teses de doutorado e três artigos que apresentaram relevância no âmbito da questão nuclear da pesquisa. Em relação à caracterização dos jovens egressos, constata-se predominância feminina e participação de jovens brancos e pardos. No entanto, são exíguas as informações sobre classe social, raça, identidade de gênero, participação de pessoas com deficiência, posições no mercado de trabalho, entre outros aspectos. Quanto aos impactos nas trajetórias biográficas, a ICJ é favorável à integração de conhecimentos no Ensino Médio, à promoção de aprendizagens multidimensionais e duradouras, à conclusão da etapa, ingresso e desempenho no curso superior, ao desenvolvimento da IC na graduação e ao ingresso na pós-graduação. Conclui-se que a ICJ, política recente no Brasil, contribui para a superação de lacunas associadas ao Ensino Médio, para a inclusão e ampliação da formação de jovens no universo da ciência e tecnologia e para o prolongamento das trajetórias de escolarização.