bluuebunny/crossref_metadata_2025 huggingface dataset:
Remittance in Niger: effects on economic growth and on migrants’ left behind
Authors: Oumarou Issoufou
Published: May 2021

Remittances have long been an important source of revenue for many people in the Republic of Niger. In order to fight poverty, young people choose to migrate. In 2019, a total of 293 million U.S. dollars was sent by migrants to their relatives in Niger; that is 3% of Niger Gross Domestic Product (GDP). The objective of this study is to analyze the effects of remittances on economic growth in Niger and the significance of its contribution in improving the living condition of migrants’ left behind families. The study applies a three-step econometric procedure followed by a survey on the usage of the remittances in the city of Tahoua (Republic of Niger). The study also performed some tests on the residuals for the accuracy of the prediction of the model. The empirical results showed no long run relationship between remittances, economic growth and gross fixed capital formation in Niger. However, in the short-run, the study revealed the existence of causal effect between remittances and economic growth. On the other hand, the results of the conducted survey in the city of Tahoua showed that 45.7% of the received remittance is used in food expenditure, 19.3% in education expenditure, 10.36% in health expenditure and 5.4% is allocated to house rent. The survey also revealed the importance of the remittances for the left behind. It indicates that 14% of the respondent left behind wish to see another family member engage in migration.
Misselling consumer awareness study – Circumstances surrounding the occurence of misselling
Authors: Martysz Czesław Bartłomiej , Rakowski Jan Piotr
Published: May 2021

Misselling is the sale of financial services that do not meet the needs of consumers or in the manner or the way they are sold, which is not appropriate to the nature of those services. The first aim of this article is to characterise the misselling phenomenon and present the most important circumstances surrounding its occurrence. The second aim is to examine the level of consumers’ awareness and knowledge of misselling and to show way to protect against misselling, among which the most important postulate is to increase the level of consumers’ financial education. The promotion of financial education could improve consumers’ sense of security, improve the degree of adjustment of financial services to consumer requirements, strengthen the awareness of the assistance that consumers can receive from public institutions and positively contribute to the activity of Poles on the financial market.
Assessment of Antibody Titer and Lymphoid Organs Weight Following Newcastle Disease Vaccination and Feed-Supplementation of Vitamin-C, Probiotics and Antibiotic-Growth-Promoters in Japanese Quails
Authors: Meher Mirza Mienur , Jahan Nusrat , Afrin Marya
Published: May 2021

Newcastle disease (ND) is a highly contagious viral disease. This study was conducted to determine the antibody titer in Japanese quails following vaccination against ND and feed-supplementation with vitamin-C, probiotics and antibiotic-growth-promoters. Forty Japanese quails were equally grouped in four groups (A1 to A4) and were vaccinated by LaSota, B1, F and VG/GA strains, respectively, at the age of 10 days. Another forty Japenese quails were equally grouped in four groups (B1 to B4), were vaccinated with the vaccines of the previous groups that showed a higher effect, and were fed with mesh-feed (control-B1), supplemented with vitamin-C (B2), probiotics (B3), and antibiotic growth promoter (B4). Serum samples were obtained on 2, 4, 6, 8, 10 and 12 weeks of age and were subjected to a hemagglutination inhibition test. The mean antibody titer (Log2) had no significant difference between groups A1-A4. The highest titers were recorded in A4 (6.20±0.37) and A3 (6.00±0.71). The mean titer was significantly different among the groups at 4 weeks, but insignificant in the other weeks of the supplemented groups. A higher mean titer was found between 8 and 10 weeks in group B2 (7.40±0.60) and B3 (7.20±0.58). The relative weights (gm/kg) of the spleen, thymus and bursa were significantly higher in group B3 (1.947±0.109, 5.951±0.312 and 2.624±0.083, respectively). They had no significant correlation with antibody titer at 12 weeks. In conclusion, vitamin-C and probiotic supplemented feeds can boost up the antibody titer against ND in Japanese quail when given during VG/GA strain vaccination.
Time-Dependent Testicular and Epididymal Damage in Rabbit Bucks Experimentally Infected with Trypanosoma Brucei Brucei
Authors: Adeyeye Adewale Ayodeji , Alayande Musbaudeen Olayinka , Adio Monsurat Bansima , Haliru Lauratu Lawal , Abdulrafiu Aliyu
Published: May 2021

This study was designed to determine the progressive pathological changes in the testis and epididymis of rabbit bucks experimentally infected with Trypanosoma brucei brucei (T. brucei). Fifteen local rabbit bucks were divided into 2 groups comprising 8 bucks in group A and 7 bucks in group B. Bucks in group A were infected intraperitoneally with approximately 1.0×106 of T. brucei while bucks in group B served as the uninfected control. The bucks were closely monitored for clinical signs of trypanosomosis from the time of infection till the end of the study. One buck from each group was humanely sacrificed on days 9, 19, 29 and 38 post-infection (pi) and its testis and epididymis were examined for pathological changes. At post mortem, no gross lesions were observed in the infected bucks except for adhesion of the testis and epididymis to the scrotum on days 29 and 38 pi. There were no histological changes in the testis and epididymis of the infected buck sacrificed on day 9 pi apart from mild depletion of the epididymal sperm reserve. The buck infected on day 19 pi had moderate testicular degeneration but the epididymis was devoid of sperm reserve. Severe testicular and epididymal degeneration was observed in the buck on days 29 and 38 pi. The testis and epididymis of bucks from the control group were normal with evidence of spermatogenic activities and full epididymal sperm reserve throughout. The study shows that infected bucks were unfit for breeding from day 19 pi.
Ecumenical Bridges between Orthodox and Catholic Sides: Comparison between Fratelli Tutti of Pope Francis and For the Life of the World. Toward a Social Ethos of the Orthodox Church Signed by the Ecumenical Patriarch Bartholomew
Authors: Bignotti Samuele
Published: May 2021

A large part of Christians in the world have been involved in social topics by these two pastoral documents released by the Holy See and the Ecumenical Patriarchate. Both documents bear the mark of the two Church Primates, Pope Francis and the Ecumenical Patriarch Bartholomew who inspired them and who had already shown interest in themes such as human life, social theology, climate and ecumenism. This essay aims to offer an ecumenical common reading of the two recent documents, Fratelli Tutti and For the Life of the World. Toward a Social Ethos of the Ortho dox Church, considering the pastoral work of the two signatory Primates as authentic ecumenical bridges within the Christian world.
Interfaith Dialogue and Today’s Orthodoxy, from Confrontation to Dialogue
Authors: Kazarian Nicolas
Published: May 2021

Orthodoxy has a long experience of cohabitation with other religions and Christian denominations. However, this experience has not always been a peaceful and easy one, especially when molded by the rise of nationalism during the second half of the 19th century and global geopolitical forces throughout the 20th century. A series of historical events, from Russia to the Middle East, from the Balkans to Central Europe, have shaped the Orthodox relationship to religious pluralism, redefining the religious landscape through movement of populations and migrations. These many conflicts and historical events have proved the multifaceted reality of Orthodoxy, from its role as a state religion, such as in Greece, and a majority religion, such as in Russia, to a minority religion with limited rights, such as in Turkey, or, more generally speaking, in the Middle East. It is in this very complex context that interfaith relations unfold, too often in a very violent and traumatic way.
Conversion as Transformation of the Heart: Guardini’s Existential Interpretation of Augustine’s Confessions
Authors: Ofm Jan Dominik Bogataj
Published: May 2021

This paper studies Guardini’s perception of Augustine, especially in his two widely unknown books on Confessions: Die Bekehrung des heiligen Aurelius Augustinus (1935), and Anfang (1944), which are contrasted by the recently published Guardini lectures: Ewigkeit und Geschichte (1955/56 and 1961/62). The author discusses Guardini’s emphasis and fascination with Augustine’s conversion (cf. Conf. VIII), as it was relevant for his existential theology. Additionally, the text explores the Augustinian perception of the phenomenon of conversion by studying the passage from In evangelium Ioannis tractatus 53 (John 12:40), where Augustine delivers a beautiful synthesis about the conversion of the heart through grace: “Conversio gratia est” (Aug., In Io. tr. 53.11). It is hoped this study will evaluate Guardini’s doctrine about the conversion of the heart using the concrete example of Augustine and also replenish and enrich his interpretation by contrasting it to the broader Augustinian corpus.
Excessive Screen Media Exposure and Language Delay in the Development of Infants and Toddlers - Three Case Reports
Authors: Simonović Senka , Hinić Darko
Published: May 2021

Early exposure to digital media has become an integral part of everyday life, which is frequently being reported as one of potential risk factors for a number of developmental disorders, including language development in infants and toddlers. The current article represents introduction to a research study which will be dealing with a potential link between the risk of language delay and excessive screen media time in children. With this in mind, we will present three case reports involving young children who experienced a language delay, but did not have any health problems diagnosed, nor did they have any of the physical high-risk factors for language and other developmental disorders detected. What these three children have in common is the fact that they were all excessively exposed to digital media during the first two years of life. The existing empirical findings suggest that different forms of digital content may be overstimulating for the developing brain, which is true both for active and background screen viewing. Moreover, screen time may be seen as a distraction from other more developmentally important activities. Keeping parents informed about a potential negative influence of prolonged media exposure can prompt parents to make informed decisions about whether and to what extent they will expose their children to digital media in the earliest period of their development.
An Empirical Investigation of the Relationship between Financial Development and Merchandise Trade in Nigeria
Authors: Adeboje Oluwafemi Mathew , Raifu Isiaka Akande , Ogbeide Frank I. , Orija Olusegun Abiola
Published: May 2021

This study examines the empirical relationship between financial development and merchandise trade in Nigeria using annual data from 1981 to 2014. The empirical analysis is also carried out on the disaggregated components of the trade, that is, merchandise export and import, for robust analysis. Estimation results based on error correction model show that there exists significant long run positive relationship between financial development and export in Nigeria over the period under study. There is need for government to therefore provide enabling environment for financial sector to thrive through sound macroeconomic policies for effective economic diversification through export.
Bank-Specific Variables and Banks’ Financial Soundness: Empirical Evidence from Nigeria
Authors: Salami Abdulai Agbaje , Uthman Ahmad Bukola , Sanni Mubaraq
Published: May 2021

This study examines the explanatory power of capital adequacy, asset quality, management soundness, earnings quality, liquidity and sensitivity to market risk (CAMELS) framework as well as a number of other variables on the financial soundness (measured by regulatory capital adequacy ratios) of banks in Nigeria. The findings, using ordinary least squared (OLS) regression subsequent to the establishment of no panel effects among the sampled banks, reveal the significant explanatory potentials of these bank-specific variables though some give a reversal of their prior expectations. Apart from reawakening the investors’ and depositors’ interest, the findings further have policy implications on the regulation and operation of these financial institutions. The study breaks new grounds in the measurement of capital adequacy using gross revenue ratio and leverage ratio, asset quality using income statement impairment charges for loan losses, and in the inclusion of the sensitivity to market risk most especially in the Nigerian context.
Variasi Leksikal Bahasa Sasak di Kecamatan Karangasem: Kajian Dialektologi
Authors: . Zulkarnaen , Dhanawaty Ni Made , Putu Putra Anak Agung
Published: June 2021

This article discusses the lexical variations of the Sasak language in Karangasem. The reason for choosing this object, is to explain the various dialects used by the community in the villages of Tumbu, Tegal Linggah, and Bukit, Karangasem. The problem is focused on two things, namely the lexical variation of the Sasak language in Karangasem and the grouping of Sasak lek languages ??in Karangasem using dialectometry theory and the isogloss file from Zulaeha. The method used, namely the proficient methods with fishing techniques, note taking techniques, and record techniques. Analysis of the lexical variations in the Sasak Karangasem language shows that there are various kinds of lexical variations in each TP based on old adulthood. Lexical variations of the fields meaning time, season, natural state, natural objects, and directions, three are found in the 'cloud' glossary. Kinship system, two berian are found in the 'wife' glossary. In animals and their parts, three berries are found in the 'worm' glossary. Movement and work, three berries are found in the 'walking' glossary. Limbs and parts there are found two beros in 'blood' gloss. Properties, numbers, and sizes, we find two entries in the 'good' glossary. In plants, fruits and colors, two berian are found on the 'tree' glossary. Question words, conjunctions, and objects found one berian in ‘how’ glossos. Pronouns and days found four words in the glossary "you".
Rule-based Named Entity Recognition (NER) to Determine Time Expression for Balinese Text Document
Authors: Sinta Wahyuni Ni Made , Sanjaya ER Ngurah Agus
Published: June 2021

Named Entity Recognition (NER) is a process to identify words or phrases as a named entity, such as a person, location, time expression, or organization. In this research, we are interested in developing a NER which able to identify the time expression entity in Balinese text documents. The time expression entity becomes an important component in the text because it is usually followed by important facts and information. NER was built using a rules-based approach. The rules are built based on direct observation of documents and pay attention to the morphological and contextual structures. Based on the experiments conducted, the average results of the precision, recall, and f-measure values were 0.85, 0.87, and 0.85.
The Notion of Wind on Rossetti’s and Damono’s Literary Work
Authors: Ayundhari Vidia
Published: June 2021

Christina Rossetti and Sapardi Djoko Damono are two poets born in different nationalities. Both mostly drew simple poems using natural objects, such as wind. The wind as a symbol of poem writing seems more appealing towards the poets and also the readers to interpret. The paper discusses several poems involved wind as an element on Rossetti’s work. It also analyses “Angin 3” by Damono.
Identifying Higher Order Thinking Activation in English Textbook Mandated in Indonesian Senior High School
Authors: Misdi Misdi , Syukur Anton Muzaeni
Published: June 2021

This paper aims at investigating factual phenomenon of higher order thinking as it reflected in the reading activities of “Bahasa Inggris SMA/MA XI”. Using theory of Bloom’s taxonomy, this study used the content analysis method to identify reading features specifically for their essay questions and exercises and tasks of the English textbook. The data of essay reading questions were collected by using coding checklist . Three categories of higher order thinking (analyze, evaluate, and create) are discovered while the distribution of the higher order thinking level is higher than the lower order thinking level. The findings reveals higher order thinking activation and activities in the reading exercises and tasks  is unequal. It do, especially the create skills which pursued lower distribution es not provide treatment properly of the higher order thinking than the analyze skill and the evaluate skill Rather, this makes emphasis on the evaluate skills.
THE RELATIONSHIP BETWEEN BALANCE AND FLEXIBILITY WITH ABILITY OF DOLLYO CHAGI KICK IN TAEKWONDO ATHLETES IN DENPASAR
Authors: Alkindi Ferdi , Nugraha Made Hendra Satria , Antari Ni Komang Ayu Juni , Ruma I Made Winarsa
Published: June 2021

Taekwondo is one of the popular martial arts for the young, teenagers, and adults. One of the kicks that are often used and effective to attack opponents in a match is the Dollyo Chagi kick. Balance and flexibility have an important role in creating optimal kick. To determine the relationship between balance and flexibility with ability of dollyo chagi kick in taekwondo athletes in Denpasar. This study was an observational study using a cross sectional design. The study was conducted 4 days at 4 dojang in Denpasar. Sampling was carried out using the cluster random sampling, with a total of 64 subjects participating in 12-16 years. Based on the Spearman rho non parametric analysis test obtained a weak and significant relationship between balance with the ability of dollyo chagi kick, with a value of p=0.034 (p<0.05), and also obtained a moderate and significant relationship between flexibility with the dollyo chagi kick ability, with a value of p=0.008 (p<0.05). Multiple linear regression analysis test was conducted to determine the relationship of balance and fleksibility with the dollyo chagi kick ability and obtain a value of p=0.001 (p<0.05) and a correlation value (R) of 0.469.

Keyword: dollyo chagi kick, balance, flexibility.
PERBEDAAN TINGKAT KECEMASAN PADA IBU HAMIL TRIMESTER KETIGA YANG MENGIKUTI PRENATAL YOGA DENGAN IBU HAMIL TRIMESTER KETIGA YANG TIDAK MENGIKUTI PRENATAL YOGA DI KABUPATEN GIANYAR
Authors: Apsari Ni Luh Dian , Juni Antari Ni Komang Ayu , Juhanna Indira Vidiari , Adiatmika I Putu Gede
Published: June 2021

Selama periode kehamilan ibu hamil mengalami perubahan fisiologis dan psikologis yang menyebabkan ibu hamil menjadi tidak nyaman, sehingga emosi yang dimiliki cenderung berubah-ubah. Seiring bertambahnya usia kehamilan, ibu hamil umumnya mulai merasakan kecemasan terutama pada trimester ketiga. Kecemasan berlebih akan memicu terjadinya stres dan berdampak pada kesehatan ibu dan janin. Salah satu terapi yang dapat dilakukan adalah prenatal yoga. Prenatal yoga adalah kegiatan olah tubuh, pikiran dan mental yang membantu ibu hamil melenturkan persendian dan menenangkan pikiran. Penelitian ini bertujuan untuk mengetahui apakah ada perbedaan tingkat kecemasan pada ibu hamil trimester ketiga yang mengikuti prenatal yoga dengan ibu hamil trimester ketiga yang tidak mengikuti prenatal yoga. Penelitian ini merupakan penelitian observasi analitik komperatif, dengan pendekatan cross sectional. Teknik pengambilan sampel purposive sampling dengan jumlah sampel 80 ibu hamil. Pengumpulan data dilakukan dengan mengukur tingkat kecemasan menggunakan kuesioner DASS 42. Tingkat kecemasan pada kelompok prenatal yoga terdapat 31 ibu hamil tidak mengalami kecemasan (77,5%) dan 9 ibu hamil mengalami kecemasan ringan (22,5%), pada kelompok ibu hamil yang tidak mengikuti prenatal yoga terdapat 20 ibu hamil tidak mengalami kecemasan (50%), 17 ibu hamil mengalami kecemasan ringan (42,5%), 3 ibu hamil mengalami kecemasan sedang (7,5%), dan tidak ada yang mengalami kecemasan berat maupun sangat berat (0%). Perhitungan analisis data menggunakan uji Chi Square Test, diperoleh p sebesar 0.020 sehingga p<0.05. Simpulan dari penelitian ini adalah terdapat perbedaan tingkat kecemasan pada ibu hamil trimester ketiga yang mengikuti prenatal yoga dengan ibu hamil trimester ketiga yang tidak mengikuti prenatal yoga di Kabupaten Gianyar.

Kata kunci: Prenatal Yoga, Kehamilan, Kecemasan
The Investigation of The Imperative Sentences In The Oral Language of Geliting Community
Authors: Fadhillah Makuasong Novita , . Novi
Published: June 2021

Every language has its way of switching a positive sentence to a question form. However, the way each language does this is based on a grammar set. Besides this, in every language of the world, there are polar questions and there are content questions. In polar questions, a yes/no answer is adequate as a response; while content questions require sentential structure as an answer. In this study, the writer describes the polar questions formation and content questions formation in Geliting dialect, a language situated within Sikka speech form, spoken in Maumere, Flores island Southeast island. This study shows that Geliting dialect operates a kind of derivation in its interrogative formation.
Assessing the impact of infrastructure on the social and economic development of Russian regions
Authors: MNATSAKANYAN Al'bert G. , SARGSYAN Sedrak
Published: May 2021

Subject. We present the analysis of theoretical and practical aspects of the impact of infrastructure on socio-economic development.
Objectives. The aim of the study is to review theoretical and empirical aspects of relationship between the condition of infrastructure and the socio-economic development of the Russian Federation.
Methods. The study draws on comparative and logical analysis of theoretical foundations and conclusions published in scientific sources, as well as methods of mathematical and statistical analysis.
Results. The statistical measurement of relationship between the condition of infrastructure and the determinants of economic growth yielded results that run counter to the findings in academic literature. While we reveal a significant positive correlation between the level of transport and energy infrastructure development with the gross regional product per capita, the variables that characterize the state of telecommunications and social infrastructure have little or no connection with this indicator of the Russian regions’ development.
Conclusions. Several variables are not enough to assess the impact of infrastructure on socio-economic development. For this reason, the model of infrastructure impact assessment requires further improvement.
Assessing the living standards of the population of Russia's regions based on a cluster analysis
Authors: GULYAEVA Tat'yana I. , TAKMAKOVA Elena V.
Published: May 2021

Subject. We consider the distribution of Russian regions by the standard of living of the population. Objectives. The study aims at clustering the subjects of the Russian Federation by standard of living indicator, and describing the specifics of the clusters. Methods. We apply the cluster analysis with the help of the STATISTICA 12 software package. The clustering of Russian regions by selected indicator of living standards rests on the k-means clustering method. Results. The study identifies five clusters of regions, i.e. those with low, below-average, medium, above-average, and high living standards. The clustering is based on certain indicators of living standards, like per capita monetary income, nominal average monthly wage, average size of pension awarded, minimum wage, life expectancy at birth, the Gini coefficient, consumption expenditure per household member on average, the share of expenditures on food in the structure of consumer expenditure, and others. Conclusions. Based on the cluster analysis of living standards of Russian regions, we identify five clusters, to which it is appropriate to apply a differentiated State policy for regulating the household income.
Analyzing the сommensurability of requirements and conditions for the Russian economy growth
Authors: SMIRNOV Valerii V.
Published: May 2021

Subject. The article addresses the commensurability of requirements and conditions for the Russian economy growth.
Objectives. The focus is on identifying significant deviations in commensurability of requirements and conditions for the Russian economy growth.
Methods. The study draws on the systems approach, using methods of statistical, neural network, and cluster analysis.
Results. The study highlights the problem of commensurability of requirements and conditions for the growth of the Russian economy, which negatively affects its structural integrity. It reveals a limited effect of monetization of the Russian economy on growth rates due to cash moving from the real sector to savings in US dollars. Against this background, the volatility of the developing Russian market and exchange rate decrease even with rising oil prices, however, the risk associated with an increase in borrowings, tax boost, deviation from the budget rule, and strong devaluation of Ruble increases. The results of the analysis point to significant deviations, which do not allow to set goals properly.
Conclusions. The unveiled deviations in commensurability of requirements and conditions for the growth of the Russian economy are compensated by the creation of various working groups in the context of another virtual strategy of socio-economic development of Russia.
The model of State financial aid to business during the COVID-19 pandemic in Russia: A framework, tools, and practices
Authors: KISELEVA Tat'yana Yu. , SANGINOVA Lola D.
Published: May 2021

Subject. The article discusses the financial aid the State provides to business during the COVID-19 crisis.
Objectives. We analyze the financial aid the State provides to the Russian businesses as a single model, considering the national specifics.
Methods. The study involves methods of analysis and synthesis, comparative analysis, generalization, etc. The study is based on factual and official data for H1 2020.
Results. There is a national model of the financial aid the State provides to businesses in Russia, which is intended to temporarily provide businesses with funds in force majeure and ensure their uninterrupted operation, protect small and medium-sized business and market competition. We analyze key tools of the State support and substantiate our suggestions how it should be maintained for certain types and areas of business in the post-crisis period.
Conclusions and Relevance. The current situation with COVID-19 made the State organize business support, provide businesses with financial resources on certain terms or use business protection tools.
The impact of financial and technological mergers and acquisitions on the world digital economy
Authors: KHUTOROVA Natal'ya A. , ROGASHKOV Nikolai A.
Published: May 2021

Subject. The COVID-19 pandemic brought IT companies to the leadership positions in terms of many aspects, as they contribute to a new reality and the development of digital economy. It also catalyzed the emergence of large ecosystems among financial institutions and technological giants. The M&A market mainly starts to shape global processes of the global economy digitalization, urging to scientifically comprehend the processes.
Objectives. We conduct the critical analysis of the way the M&A market influences the digitalization of the global economy.
Methods. Studying the M&A in the Fintech and Techfin segments, we applied methods of analysis, comparison and systematization of the information.
Results. We revealed key trends in digital M&A deals, describe the impact and development of such processes in the Russian practice.
Conclusions and Relevance. Every year M&A deals in the financial sectors and among IT corporations generates and raises over USD 250 billion in investment, thus making almost a 20-percent contribution to a growth in the digital economy. We found some understudies risks arising from digital M&A deals, such as deal planning risks synergy assessment risks, high volatility risks associated with prices for new companies, compliance risks, digital inequality risk and new social risks. Considering the Russian specifics and predominant positions of the banking sector, the digital transformation in Russia is noted to take place through the FinTech sector gaining momentum. To accelerate the digital constituent, it is reasonable to take the following efforts: introducing the digital Ruble as announced by the Bank of Russia, outlining a programs for supporting and encouraging national IT companies to develop non-banking payment systems and accelerate the digital transformation, connecting not only credit institutions, but also digital developers to the quick payment system of the Bank of Russia.
The assessment of the earnings to stock value ratio in line with inflation
Authors: MOLOTKOV Aleksandr B.
Published: May 2021

Subject. The study discusses the dependence of estimates of the fundamental stock value (based on the earnings-price ratio) on the expected inflation.
Objectives. I determine the type and parameters of such dependence.
Methods. The research is based on methods for estimating the stock value and regression analysis to define the parameters of the suggested model.
Results. For the US stock market (S&P 500 index), it is shown that earnings-price ratio for the earnings averaged over 10 years has a significant positive correlation with the indicator chosen to characterize the expected inflation. It is substantiated that the main reason is the impact of the expected inflation on the real determinants of the fundamental value, primarily on the risk premium. Conditions are formulated under which Gordon's formula can be used to determine the type of relationship between the fundamental stock value and its determinants for a time series of observations with a changing real discount rate.
Conclusions. The model is suggested for estimating the fundamental stock value based on the linear relationship between the earnings-price ratio and inflation., and its parameters are determined. The adequacy of the model is confirmed empirically for the US stock market. The findings can complement investor’s decision-making methods in the stock market.
The state and development problems of the banking sector of the Republic of Dagestan
Authors: MAGOMEDOVA Naida Yu. , ISAEVА Patimat G.
Published: May 2021

Subject. This article explores the functioning of the regional banking sector of the Republic of Dagestan in the current conditions.
Objectives. By studying the state and identifying problems, the article aims to determine the trends in the banking sector of the Republic of Dagestan in the context of the crisis economy of the region.
Methods. For the study, we used an empirical analysis, comparison, and the tabular method to present data.
Results. Analysis of the state of and changes in the banking sector of the Republic of Dagestan shows that the number of credit organizations in the region has significantly decreased. This is due to trends such as the consolidation of banks and the consolidation of the banking system as a whole.
Relevance. The results of the study can be used by the Bank of Russia's Branch, the National Bank for the Republic of Dagestan, to develop the concept of Main Trends in the Economy and Monetary Sphere of the Republic of Dagestan in the following years.
New finance: Psychological measurement of value
Authors: BOGATYREV Semen Yu.
Published: May 2021

Subject. The article addresses emotional factors that affect value under psychological concepts. It describes processes of obtaining information for surveys when measuring emotions, adjusting the evaluation tools, taking into account new analytical capabilities provided by the use of psychological measurement.
Objectives. The study aims at creating a methodology to consider the impact of emotional factors that become apparent under the influence of psychological concepts, on value.
Methods. I employ methods of induction and deduction in survey data processing.
Results. The paper discloses the content of the main methods for recording emotions in the process of making a conclusion about the value by financial decision makers under the influence of psychological concepts. It demonstrates tools for implementing the methods of psychological measurement in valuation. The findings may be helpful in the work of modern appraisers and value analysts. It is especially important to use the tools for measuring emotions in conditions of digital economy, instability and crisis, a change in the market paradigm, distortion of traditional financial and economic indicators, market volatility. The use of psychological concepts complements and expands the classic assessment toolkit, improves the quality of valuation.
Conclusions. The paper concludes on opportunities that financial analysts have, when applying new advances in behavioral finance and modern psychological studies. It outlines prospects for analytical tools development, using new indicators to enhance the efficiency of valuation results.
HOTEL RESOR DI PANTAI MAJU SEBAGAI WATERFRONT ARCHITECTURE DENGAN PENDEKATAN METAPHORE
Authors: Widiatmoko Danang
Published: May 2021

Pantai Maju is one of the islands on the north coast of Jakarta as a result of sea reclamation, so that the land in Pantai Maju is surrounded by marine waters, which architecturally represent an interesting natural potential. Designing a resort hotel on Pantai Maju will be interesting by applying waterfront architecture concept, especially on sites that are on the water side or sea side. A metaphorical approach needs to be done in architectural design, because with the location on the waterfront, it is very interesting if the figure of the resort hotel building has a strong form identity. The design method used is a series of design stages, starting from site potential analysis; analysis of design concepts; space program analysis; circulation analysis; analysis of the building mass. The conclusion of the design is a resort hotel in Pantai Maju which applies the concept of waterfront architecture and architecture metaphore. Keywords: hotel; metaphore; reclamation; resort; waterfrontAbstrakPantai Maju adalah salah satu pulau di pantai utara Jakarta sebagai hasil dari reklamasi laut, sehingga daratan di Pantai Maju dikelilingi oleh perairan laut, yang secara arsitektur merupakan potensi alam yang menarik. Perancangan Hotel Resor di pantai Maju sangat tepat apabila menerapkan konsep waterfront, terutama pada tapak yang berada di tepi perairan. Pendekatan metafora perlu dilakukan dalam perancangan arsitekturnya, sebab dengan lokasi tapak yang berada di tepi perairan, sangat menarik apabila sosok bangunan (figure) hotel resor tersebut mempunyai identitas bentuk yang kuat. Metode perancangan yang digunakan adalah; a) Segmen Kawasan Pantai Indah Kapuk; b) Diagram Isu Kawasan dan Konsep Penyelesaian Isu; c) Analisis Konsep Perancangan; d) Analisis Pemilihan Tapak dan Tapak Terpilih; e) Analisis Tapak; f) Konsep Massa Bangunan; g) Konsep Metafora; h) Zoning dan Program Ruang; i) Façade, Eksterior dan Interior. Kesimpulan dari perancangan adalah Hotel resort di Pantai Maju yang menerapkan konsep waterfront architecture, dan architecture metaphore.
GENERASI ALPHA : TINGGAL DIANTARA
Authors: Manuel Raymond Arnold , Sutanto Agustinus
Published: May 2021

The current Alpha generation is the youngest generation born in 2011 with an increasingly advanced technological approach, its familiarity with the world of technology is inseparable, but the Alpha generation classification does not materialize because there is no equitable distribution of education, facilities, and systems that are left behind. The urban village community experiences gaps so that some have to adapt to their abilities. This study uses an experimental material method using nails and magnets to create a unique spatial space. The resulting reaction becomes a metaphor for the movement of the Kampung Kota community in Jakarta which interacts with each other as a value for information exchange and the closeness that occurs. This is the basic concept of the experiment that has succeeded in making organic spaces for urban villagers, especially the Alpha generation who have adapted to the times.The experience that the author shares is a thought of planning for the future as an answer to "The future of living based on today". Typology of buildings designed and using material for design becomes learning material for future Living Architecture. Where technological advances create new problems about the disorder behind the modern city.  Keywords:  Alpha; Experiment; Urban Village AbstrakGenerasi Alpha saat ini merupakan generasi termuda lahir di tahun 2011 dengan pendekatan teknologi yang sudah semakin maju, kebiasaanya yang lekat dengan dunia teknologi sudah tidak bisa dipisahkan, namun klasifikasi generasi Alpha tidak terwujud karena tidak adanya pemerataan pendidikan, fasilitas, serta sistem yang tertinggal. Masyarakat kampung kota mengalami kesenjangan sehingga sebagian harus beradaptasi dengan kemampuannya. Penelitian ini menggunakan metode experiment material menggunakan paku dan magnet sehingga membuat spatial ruang yang unik. Reaksi yang dihasilkan menjadi metafor pergerakan masyarakat Kampung Kota di Jakarta yang saling berinteraksi sebagai nilai tukar informasi serta kedekatan yang terjadi. Hal ini sebagai konsep dasar experiment yang berhasil membuat ruang organik untuk masyarakat kampung kota khususnya generasi Alpha yang telah beradaptasi dengan perkembangan jaman. Pengalaman yang penulis bagikan merupakan sebuah pemikiran perencanaan dimasa mendatang sebagai jawaban dari “Masa depan berhuni berbasis hari ini”. Tipologi bangunan yang dirancang dan penggunaan material terhadap perancangan menjadi bahan pembelajaran terhadap Arsitektur Berhuni dimasa depan. Dimana kemajuan teknologi menimbulkan masalah baru tentang disorder (kekacauan) dibalik kota modern.
PEMBENTUKAN RUANG BERHUNI KOLEKTIF DI KELURAHAN PEGADUNGAN DAMPAK PANDEMI COVID-19
Authors: Sentosa Florencia , Sukada Budi Adelar
Published: May 2021

Covid-19 pandemic that attacks the population of Indonesia since March 2020 affects the human way of living. Even though this pandemic will probably end, the impacts will last for a long time. People’s daily activities are disrupted and hampered, especially those in the suburban area such as in Pegadungan Sub-districts which to carry out the activities they have to commute o the center of the city. This causes less social interaction, limited interaction with nature, and increases technology using that impact human physical and mental health deterioration. Therefore, a new architectural space with recreation and work programs on a neighborhood scale is needed as a collective dwelling space that can provide benefits for local communities to do their activities. To achieve this goal, data and analysis are needed relating to the location, user target, issues, and problems that occur. The application of Wellness Architecture with a Biophilic Design Approach as a design method, such as the use of natural air, natural light, and natural connections into the buildings, is expected to create an ideal and healthy architecture for physical, emotional well-being, an balance in living. So that, it can create good, resilient, and sustainable settlements and environments. Keywords:  Covid-19; Neighborhood; Recreation and Work AbstrakPandemi Covid-19 yang menyerang penduduk Indonesia sejak Maret 2020 memberikan pengaruh terhadap cara berhuni manusia. Walaupun pandemi ini mungkin akan berakhir, namun dampak yang dihasilkan akan bertahan dalam waktu yang panjang, Aktivitas masyarakat sehari-hari menjadi terganggu dan terhambar khususnya masyarakat di pinggir perkotaan seperti di Kelurahan Pegaadungan yang mana untuk melakukan aktivitasnya harus berkomuter ke pusat kota.  Hal ini menyebabkan interaksi sosial berkurang, interaksi dengan alam terbatas, dan peningkatan penggunaan teknologi yang akan berdampak pada penurunan kesehatan fisik dan mental manusia. Oleh karena itu, dibutuhkan wadah arsitektur baru dengan program rekreasi dan bekerja di skala lingkungan sebagai ruang berhuni kolektif yang dapat memberikan kemudahan bagi masyarakat lokal untuk beraktivitas. Untuk mencapai tujuan tersebut, diperlukan pengumpulan data dan analisis terkait lokasi, target pelaku, isu dan permasalahan yang terjadi. Penerapan Wellness Architecture dengan Pendekatan Desain Biofilik sebagai metode perancangan, seperti penggunaan udara alami, cahaya alami, dan koneksi alam ke dalam bangunan diharapkan dapat menciptakan arsitektur yang ideal dan sehat bagi kesejahteraan fisik, emosional, dan keseimbangan dalam berhuni. Sehingga dapat menciptakan permukiman dan lingkungan yang baik, tangguh, dan berkelanjutan.
LAYANAN TANPA TURUN SERPONG
Authors: Lay Peter , Halim Martin
Published: May 2021

According to Martin Heidegger, dwelling is an individual activity on this earth. Shopping is one of important activity for surviving. In early 2020, COVID-19 occurred so that the government issued a policy to carry out social distancing. The policy damages the dwelling activities that occur. In general, every individual must maintain a distance but this is often violated. Vehicles can solve this problem where each individual is forced to make a distance. The site was chosen based on Jalan Raya Serpong, where it connects South Tanggerang and Bogor. The site was chosen close to the entrance of Alam Sutera because the designation was predominantly residential. More road users on the site use vehicles while pedestrians are minimal. The lack of pedestrians is due to poor public facilities. After the government issued a policy for social distancing, the public preferred to use the drive-thru facility for shopping. So that the design uses the concept of service without going down. The service without getting down here talks about 3 things, namely drive-in, drive-thru, and pickup point. Where the main programs are dine-in and drive-thru supermarkets. With the concept dwelling activity can still run. The concept is also not bound by time so that there is no expiration date because vehicles will always exist in the future. The project aims to maintain the existing lifestyle. Keywords:  Dwelling; Lifestyle; Service without going down;  Social Distancing; Transportation. AbstrakMenurut Martin Heidegger dwelling adalah sebuah aktivitas individu di dalam bumi ini. Aktivitas manusia yang paling penting adalah berbelanja dimana berfungsi untuk memenuhi kebutuhan. Pada awal tahun 2020 COVID-19 terjadi sehingga pemerintah mengeluarkan kebijakan untuk melakukan social distancing. Kebijakan tersebut merusak kegiatan dwelling yang terjadi. Secara umum setiap individu harus menjaga jarak namun hal tersebut sering dilanggar. Kendaraan bermotor dapat menyelesaikan masalah tersebut dimana setiap individu dipaksa membuat jarak. Tapak dipilih berdasarkan Jalan Raya Serpong, dimana jalan tersebut menghubungi Tanggerang Selatan dan Bogor. Tapak terpilih dekat dengan entrance Alam Sutera karena peruntukkan lebih dominan hunian. Pengguna jalan pada tapak lebih banyak menggunakan kendaraan bermotor sedangkan pejalan kaki sangat minim. Kurangnya pejalan kaki diakibatkan fasilitas umum yang kurang baik. Setelah pemerintah mengeluarkan kebijakan untuk social distancing masyarakat lebih senang menggunakan fasilitas drive-thru untuk berbelanja. Sehingga dalam rancangan menggunakan konsep layanan tanpa turun. Layanan tanpa turun disini berbicara 3 hal yaitu drive-in, drive-thru, dan pickup point. Dimana program utama  berupa dine-in dan drive-thru supermarket. Dengan adanya konsep layanan tanpa turun aktivitas dwelling masih dapat berjalan . Konsep tersebut juga tidak terikat dengan waktu sehingga tidak ada masa kadaluarsa karena kendaraan akan selalu ada di masa depan. Proyek tersebut bertujuan untuk mempertahankan gaya hidup yang ada.
SENTRA PEDAGANG KECIL SEMANAN
Authors: Belladina Bianca , Halim Martin
Published: May 2021

According to Martin Heidegger, Dwelling in his book entitled "Building, Dwelling, Thinking" states that dwelling is a concept to inhabit or a unique way of being (dasein) in the world, namely to stay, wander (to wander) and survive (to linger). ). The concept of human habitation is more about survival. In general, humans cannot just stand by to survive, humans must work to meet their needs in survival. Then the question arises, "How do the lower class society, especially the traders live?" Seeing that small traders do not have land to sell so many of them sell on the side of the road. Semanan Small Traders Center is a place for small traders, especially the Semanan area, where traders who do not have land to sell now get land to sell so that traders do not need to  use the road again as a place to sell. In addition, this project seeks to answer the needs of the people around Semanan. The method used is Respond to Site - Contextualism. The design process in buildings is realized by a relationship with the environment around the needs of the surrounding community and the problems that exist around the site. Keywords: Dwelling; Semanan; Trader. AbstrakDwelling menurut Martin Heidegger dalam bukunya yang berjudul “Building, Dwelling, Thinking” meyebutkan bahwa dwelling sebagai sebuah konsep menghuni atau cara khas ada (dasein) di dunia yaitu untuk menetap (to stay), berkelana (to wander) dan bertahan hidup (to linger). Konsep berhuni manusia lebih ke bertahan hidup. Pada umumnya manusia tidak bisa hanya berdiam diri saja untuk bertahan hidup, manusia harus bekerja untuk memenuhi kebutuhannya dalam bertahan hidup. Lalu muncul pertanyaan “Bagaimana masyarakat kalangan bawah khususnya para pedagang berhuni?”. Melihat para pedagang kecil tidak memiliki lahan berjualan sehingga banyak dari mereka berjualan di pinggiran jalan. Sentra Pedagang Kecil Semanan merupakan wadah bagi para pedagang kecil khususnya daerah Semanan, dimana para pedagang yang tidak memiliki lahan untuk berjualan sekarang mendapatkan lahan untuk berjualan sehingga para pedagang tidak perlu memakai ruas jalan lagi sebagai tempat berjualan. Selain itu proyek ini berusaha untuk menjawab kebutuhan masyarakat sekitar Semanan. Metode yang digunakan yaitu Respond to Site – Contextualism proses desain pada bangunan diwujudkan dengan adanya hubungan dengan lingkungan sekitar kebutuhan masyarakat sekitar dan masalah yang ada disekitar tapak.