bluuebunny/crossref_metadata_2025 huggingface dataset:
STUDI PERSEPSI KONSUMEN MENGENAI MODE PEMBAYARAN DIGITAL
Authors: Salsabila Syifa Khansa , Gandajaya Linda
Published: March 2024

ABSTRACTThe development of payment systems in Indonesia is influenced by various developments in science and technology. The most recent payment system that has been used by the public is a digital payment system, one of which is commonly referred to as an e-wallet or electronic wallet that is inside an application. This study aims to see how far consumers perceive various categories of digital payment modes, because these digital payments change the way of life of some consumers. There are five formulation of problems that need to be answered in this study. The sampling technique was done through Purposive Sampling techniques with a sample of 150 respondents. The analytical tool used is Anova Test, Homogeneity Test, and Post Anova Test by distributing questionnaires to consumers of Istana Plaza Bandung who have used digital payment mode and have transacted at least once using the digital payment mode. The results of the ANOVA test show that consumer perceptions based on sex do not have different perceptions, while consumer perceptions based on age, education, employment, and income have different perceptions.Keywords: E-wallet, consumer perception, digital payment, payment system ABSTRAKPerkembangan sistem pembayaran di Indonesia dipengaruhi oleh berbagai perkembangan ilmu pengetahuan dan teknologi. Sistem pembayaran yang paling terbaru dan telah digunakan oleh masyarakat adalah sistem pembayaran digital, salah satunya biasa disebut sebagai e-wallet atau dompet elektronik yang berada di dalam sebuah aplikasi. Penelitian ini bertujuan untuk melihat sudah sejauh mana persepsi konsumen dari berbagai kategori mengenai mode pembayaran digital, karena pembayaran digital ini mengubah cara gaya hidup beberapa konsumen. Terdapat lima rumusan masalah yang perlu dijawab dalam penelitian ini. Teknik pengambilan sampel dilakukan melalui teknik Purposive Sampling dengan sampel penelitian berjumlah 150 responden. Alat analisa yang digunakan adalah Uji Anova, Uji Homogenitas, dan Uji Pasca Anova dengan menyebarkan kuesioner kepada konsumen Istana Plaza Bandung yang sudah menggunakan mode pembayaran digital dan pernah bertransaksi minimal satu kali menggunakan mode pembayaran digital tersebut. Dari hasil Uji Anova menunjukkan bahwa persepsi konsumen berdasarkan jenis kelamin tidak memiliki perbedaan persepsi, sedangkan persepsi konsumen berdasarkan usia, pendidikan, pekerjaan, dan pendapatan memiliki perbedaan persepsi.Kata Kunci: E-wallet, persepsi konsumen, pembayaran digital, sistem pembayaran
Pengaruh E-Service Quality terhadap E-Customer Satisfaction dan E-Customer Loyalty pada Aplikasi Grocery online Happyfresh
Authors: Yufenti Desti -
Published: March 2024

Perkembangan internet yang begitu pesat, telah menjadi salah satu kebutuhan bagi masyarakat saat ini. Internet memberikan kemudahan dalam mengakses informasi, hiburan, dan komunikasi bagi setiap individu. Begitu pula dengan pertumbuhan pangsa pasar e-commerce di Indonesia yang saat ini memang sudah tidak bisa diragukan lagi. Hal ini mendorong pertumbuhan e-commerce di Indonesia, yang membuat persaingan toko online semakin ketat. Berbagai macam belanja online yang biasa dilakukan oleh konsumen yaitu berbelanja kebutuhan primer dan kebutuhan sekunder bukan hanya berbelanja produk tetapi, kita pun bisa memesan jasa secara online untuk memenuhi kebutuhan dan keinginan kita. HappyFresh adalah jasa layanan supermarket online yang terdapat dalam aplikasi smartphone untuk membantu para penggunanya dalam memenuhi kebutuhan sehari-hari tanpa perlu pergi langsung ke supermarket untuk berbelanja. Yang dimana saat ini HappyFresh mengalami peningkatan sejak diberlakukannya physical distancing oleh pemerintah. Melihat hal tersebut, HappyFresh yang merupakan salah satu toko grocery online di Indonesia dengan kualitas layanan yang baik. Dengan begitu penelitian ini bertujuan untuk menguji pengaruh pengaruh e-service quality terhadap e-customer satisfaction dan e-customer loyalty pada aplikasi grocery online HappyFresh.  Pengumpulan data dilakukan dengan cara menyebarkan kuesioner kepada pelanggan yang setidaknya pernah berbelanja minimal satu kali di HappyFresh dengan jumlah sampel sebanyak 100 orang yang ditentukan dengan metode nonprobability sampling. Teknik analisis data yang digunakan adalah Partial Least Square-path Modeling Reflective Multidimensional Construct (Second Order Construct) dengan software SmartPLS 3.0.Kata kunci : e-service quality, e-customer satisfaction, e-customer loyalty
Pengaruh Country of Origin dan Brand Image terhadap Keputusan Pembelian Produk Skin Care merek Innisfree di Bandung
Authors: Salim Nathalia Indah , Lahindah Laura
Published: March 2024

Skin care merupakan suatu kebutuhan bagi seluruh masyarakat di dunia. Industri skin care perlu meningkatkan pemasaran produk yang mampu menarik minat para konsumennya untuk melakukan pembelian, bahkan perusahaan harus memiliki tekad yang kuat untuk menghadapi banyaknya persaingan di industri sejenis dengan keunggulan dari produk yang akan dipasarkan. Penelitian ini menggunakan analisis regresi linear berganda, pengajian hipotesis dengan uji T, pengujian hipotesis secara simultan dengan uji F, dan analisis determinasi untuk mengetahui persentase sumbangan pengaruh variabel independen secara serentak terhadap variabel dependen. Jenis penelitian ini adalah causal explanatory.Variabel bebas dalam penelitian ini adalah Country of Origin dan Brand Image, sedangkan variabel terikat yaitu Keputusan Pembelian. Jumlah sampel yang digunakan dalam penelitian ini sebanyak 100 responden. Teknik pengambilan sampel dengan menggunakan non probability sampling yaitu purposive sampling. Dari hasil uji T menunjukkan, bahwa variabel country of origin tidak berpengaruh terhadap keputusan pembelian, sedangkan variabel brand image berpengaruh terhadap keputusan pembelian. Besar pengaruh kedua variabel terhadap keputusan pembelian digunakan pada rumus koefisien determinasi sebesar 0,499. Artinya keputusan pembelian yang dipengaruhi oleh country of origin dan brand image sebesar 49,9%. Dalam penelitian ini dapat dikatakan, bahwa country of origin dan brand image sudah cukup baik kalau dilihat dari rata – rata tiap variabel. Penelitian ini diharapkan bisa menjadi salah satu masukkan untuk perusahaan dan peneliti selanjutnya dalam mempertimbangkan penelitian selanjutnya.Kata  Kunci :  Country of Origin, Brand Image, dan Keputusan Pembelian
Upaya Peningkatan Kepuasan Pelanggan PT Agronesia Saripetojo Bandung Berdasarkan Aspek Kualitas Produk dan Kualitas Pelayanan
Authors: Tito Anita Chrishanti Puteri , Parahiyangan Puspita
Published: March 2024

Penelitian ini bertujuan untuk mengetahui bagaimana Pengaruh Kualitas Produk dan Kualitas Pelayanan terhadap Kepuasan Pelanggan. Variabel yang diuji dalam penelitian ini adalah Kualitas Produk dan Kualitas Pelayanan sebagai variabel independen. Sedangkan Kepuasan Pelanggan pada PT Agronesia Saripetojo Bandung sebagai variabel dependen. Responden yang digunakan dalam penelitian ini adalah pelanggan PT Agronesia Saripetojo Bandung sedangkan metode penelitian yang digunakan dalam penelitian ini adalah deskriptif dan verifikatif. Teknik yang digunakan dalam menentukan sampel adalah dengan menggunakan metode sensus, dengan jumlah sampel dalam penelitian ini adala 93 orang. Sedangkan metode analisis yang digunakan dalam penelitian ini adalah analisis regresi linier berganda, korelasi Pearson product moment dan koefisien determinasi pada taraf signifikan 5%. Program yang digunakan dalam menganalisis data menggunakan Statistical Package for Social Sciences (SPSS).Hasil penelitian menunjukan bahwa terdapat pengaruh secara parsial antara kualitas produk dan kepuasan pelanggan, serta pengaruh secara parsial antara kualitas pelayanan dan kepuasan pelanggan  PT Agronesia Saripetojo Bandung. Pengaruh secara simultan kualitas produk dan kualitas pepelayanan terhadap kepuasan pelanggan PT Agronesia Saripetojo Bandung yang berpengaruh positif dengan kontribusi yang diberikan sebesar 86.7% sedangkan sisanya sebesar 13.3% merupakan pengaruh faktor lain diluar variabel yang diteliti
Pengaruh Selebrity Endorser Rizky Firdaus Wijaksana terhadap Minat Beli Produk Erigo di Bandung
Authors: Achmad Mario Fabian
Published: March 2024

Penelitian ini bertujuan untuk mengetahui seberapa pengaruh selebriti endorser Rizky Firdaus Wijaksana terhadap minat beli pada produk Erigo di Bandung. Metode penelitiannya menggunakan metode kuantitatif, jenis penelitian deskriptif dengan menggunakan regresi linier sederhana. Populasi dalam penelitian ini adalah followers Erigo dengan sampel sebanyak 100 responden. Teknik sampling yang digunakan adalah non-probability sampling dengan turunan purposive sampling. Hasil uji T menunjukkan nilai sig lebih kecil dari taraf signifikansi yaitu 0.05. Maka  variabel selebriti endorser berpengaruh terhadap minat beli. Hasil penelitian ini menunjukkan besarnya pengaruh selebriti endorser Rizky Firdauz Wijaksana terhadap minat beli produk Erigo di Bandung sebesar 14,9% sedangkan sisanya dipengaruhi oleh faktor-faktor lain
Pengaruh Pengalaman Kerja dan Disiplin Kerja terhadap Kinerja Karyawan pada UD Shahila Jaya Food
Authors: Qodriah Sari Laelatul , Nurrohman Faisal , Hartati Wiwi
Published: March 2024

Penelitian ini bertujuan untuk mengetahui pengaruh pengalaman kerja dan disiplin kerja terhadap kinerja karyawan. Metode yang digunakan adalah metode kuantitatif yang berupa angka-angka dengan menggunakan data primer yang diperoleh melalui kuesioner. Penelitian ini menggunakan 50 responden yang diambil menggunakan penyebaran kuesioner. Pengujian statistik deskriptif yang dilanjutkan dengan uji validitas, uji reliabilitas, uji regresi berganda, dan uji hipotesis meliputi koefisien determinan, uji T parsial dan uji F simultan. Penelitian ini memberikan hasil bahwa (1) variabel pengalaman kerja berpengaruh positif dan signifikan terhadap kinerja karyawan, dengan nilai t-hitung 6,475 > t-tabel 2,01174 dan sig 0,000 < α 0,05, (2) variabel disiplin kerja berpengaruh positif dan signifikan terhadap kinerja karyawan dengan nilai t-hitung 2,047 > t-tabel 2,01174 dan sig 0,56 < α 0,05. (3) Variabel pengalaman kerja dan disiplin berpengaruh positif dan signifikan terhadap kinerja karyawan dengan nilai f-hitung 34,843 > f-tabel 3,20 dan sig 0,000 < α 0,05.
Pengaruh Net Cash Flow Operating, Earning Coverage Dan Economic Value Added Terhadap Nilai Perusahaan
Authors: Riwo Julians , Krisdiyanto Ircko
Published: March 2024

Penelitian ini bertujuan untuk mengetahui pengaruh Net Cash Flow Operating, Earning Coverage dan Economic Value Added terhadap Nilai Perusahaan dengan melakukan studi pada perusahaan yang tergabung dalam sektor perdagangan retail di bursa efek indonesia periode 2015 – 2019. Gambaran kinerja industri retail selama periode tahun 2015 – 2019 dapat dikatakan sedang mengalami penurunan dimana hal ini dapat terlihat dari trend penurunan jumlah penjualan yang diakibatkan oleh adanya perlambatan pertumbuhan ekonomi nasional yang berdampak terhadap perlambatan atas pertumbuhan konsumsi rumah tangga. Adanya penurunan kinerja penjualan di sektor retail ini berdampak terhadap adanya penurunan volume penjualan dan rasio PER industri perdagangan retail di BEI. Untuk itu menarik untuk meneliti lebih jauh faktor-faktor yang mempengaruhi penurunan kinerja perusahaan yang bergerak di sektor perdagangan retail, khususnya kinerja yang diukur berdasarkan nilai pasar. Populasi untuk penelitian ini adalah seluruh perusahaan yang bergerak di sektor perdagangan retail yang listing di BEI periode 2015 – 2019 dengan menggunakan teknik purposive sampling diketahui jumlah sampel untuk penelitian ini adalah 15 perusahaan (total jumlah observasi 75). Data yang digunakan adalah data sekunder yaitu dengan menggunakan laporan keuangan tahunan. Metode analisis yang digunakan adalah metode regresi linear berganda. Hasil penelitian menunjukkan bahwa secara parsial, net cash flow operating dan economic value added berpengaruh positif dan signifikan terhadap nilai perusahaan, sedangkan variabel earning coverage tidak berpengaruh signifikan terhadap nilai perusahaan. Sedangkan secara simultan, net cash flow operating, earning coverage dan economic value added berpengaruh signifikan terhadap nilai perusahaan. Kata kunci: Perdagangan Retail, Nilai Perusahaan, Cash Flow, Economic Value Added, Earning Coverage.
RELATIONSHIP BETWEEN STRESS LEVELS AND NUTRITIONAL STATUS WITH MENSTRUAL CYCLE IRREGULARITIES IN CLASS XII ADOLESCENTS AT NUSANTARA VOCATIONAL SCHOOL 02 CIPUTAT HEALTH IN 2022
Authors: Ananda Putri Norma Rahayu  , Nurmalia Lusida
Published: March 2024

Adolescence is a transition of life from childhood to adulthood. The menstrual cycle is the period between the start of the last menstrual period and the start of a new period. Stress can affect the menstrual cycle in addition to stress which can affect the irregularity of the menstrual cycle, namely a person's nutritional status. The purpose of this study was to find out the relationship between stress levels and nutritional status with menstrual cycle irregularities in class XII young women at SMK Nusantara 02 Health Ciputat in 2022. This research was conducted in December 2022 using a cross-sectional design. Samples were taken using a total sampling technique of 70 respondents. Data analysis was performed using the Chi-Square Test and Simple Logistic Regression Test. The results of the bivariate test showed that there was no relationship between stress levels (p=0.404) and nutritional status (p=0.465) with irregular menstrual cycles in adolescents (p>0.05). Suggestions for adolescents to start paying attention to changes in the menstrual cycle regularly every month and start maintaining their weight by doing regular exercise and carrying out various activities to reduce their stress levels by playing with friends shopping, and using smart phones to access social media such as YouTube, Instagram and other social media.
Factors of involved with the accute respiratory infection to the fabrication worker PT.X
Authors: Sukriyadi
Published: March 2024

Faktor-faktor yang berhubungan dengan kejadian infeksi saluran pernapasan akut (ISPA) pada pekerja fabrikasi di PT. X 

ABSTRAK

Infeksi Saluran Pernapasan Akut (ISPA) merupakan salah satu Penyakit Akibat Kerja (PAK) yang berdampak pada pekerja dengan menyerang bagian pernapasan bagian atas, akibat adanya pengaruh paparan faktor lingkungan di tempat kerja. Penelitian ini bertujuan untuk mengetahui hubungan faktor lingkungan kerja dengan kejadian ISPA pada pekerja fabrikasi di PT IHI Power Service Indonesia. Penelitian ini menggunakan desain cross sectional pada sampel jumlah pekerja. Pengumpulan data dilakukan dengan wawancara terstruktur menggunakan kuesioner. Wawancara dilakukan kepada 54 pekerja fabrikasi. Data dianalisis dengan Analisa bivariat. Hasil penelitian menunjukan Sebagian besar pekerja mengalami ISPA. Adapun faktor yang berhubungan dengan ISPA yaitu kebiasaan merokok (nilai p= 0,025), masa kerja (p = 0,017), usia pekerja (p = 0,017), penggunaan APD masker (p = 0,018), paparan debu (p=0,004). Oleh karena itu, disarankan untuk penggunaan APD masker saat bekerja, kemudian sosialisasi bahaya rokok pada pekerja yang rentan terhadap penyakit ISPA.

Kata kunci: fabrikasi, inspeksi saluran pernapasan akut, pekerja pabrik
TINGKAT KEPESERTAAN KELUARGA BERENCANA TERHADAP PEMAKAIAN KONTRASEPSI DI KECAMATAN LEUWISADENG 2022
Authors: Febriyanti  , Dewi Purnamawati
Published: March 2024

Indikator keberhasilan Keluarga Berencana yang paling utama akan tampak dari jumlah pemakaian kontrasepsi pada PUS. Penelitian ini bertujuan untuk mengevaluasi tingkat kepesertaan KB terhadap pemakaian kontrasepsi di Kecamatan Leuwisadeng tahun 2022. Metode: penelitian deskriptif dengan pendekatan kuantitatif. Populasi penelitian ini adalah PUS di kecamatan Leuwisadeng, dengan sampel penelitian diambil dari populasi PUS peserta KB. Data bersumber dari laporan pendataan keluarga melalui aplikasi New SIGA dan dianalisis secara univariat yang dihitung persentasenya kemudian disajikan dalam bentuk tabel. Hasil: Tingkat kepesertaan KB: Jumlah PUS pada tahun 2022 adalah 13.375 orang. 9.785 orang (73%) merupakan PUS peserta KB, 3.593 orang (27%) adalah PUS bukan peserta KB. Metode kontrasepsi yang paling banyak digunakan adalah KB suntik, dengan jumlah 6.158 orang (62% dari total peserta KB). KB pil dengan jumlah 2.281 orang (23%), IUD dengan jumlah 130 orang (1,3%), MOW dengan jumlah 96 orang (1%), implant dengan jumlah 976 orang (10%), kondom dengan jumlah 110 orang (1,1%), dan MOP dengan jumlah 24 orang (0,2%). Kesimpulan: Program KB di Kecamatan Leuwisadeng pada tahun 2022 telah mencapai tingkat kepesertaan yang cukup baik, dengan 73% dari total PUS menjadi peserta KB, meskipun demikian, masih terdapat sejumlah PUS yang belum menjadi peserta KB, dan KB suntik adalah metode kontrasepsi yang paling umum digunakan. Saran: Diperlukan Kerjasama lintas sektor dalam mensosialisasikan keluarga berencana untuk meningkatkan kepesertaan dalam program KB.

 

 

Kata Kunci: Keluarga Berencana, kepesertaan KB, Kontrasepsi
DETERMINANTS OF THE IMPLEMENTATION OF EARLY BREASTFEEDING INITIATION (IMD) IN THE WORKING AREA OF THE PONDOK CABE ILIR HEALTH CENTER IN 2022
Authors: Ghina Az Zahra  , Siti Riptifah Tri Handari
Published: March 2024

The incidence of dysmenorrhea in Indonesia has reached 64.5%, based on a survey conducted at one school in Garut Regency, as many as 60-70% of female students experienced primary dysmenorrhea. This study aimed to determine the relationship between the age of menarche, menstrual cycle, family history, physical activity, frequency of fast food consumption, and history of exposure to cigarette smoke with the incidence of primary dysmenorrhea. The method in this research uses cross-sectional with a total sample of 176 samples determined using stratified random sampling by determining probability using probability proportional to size then tested univariately and bivariately using Chi Square with α = 0.05. The results of the study showed that factors associated with the incidence of primary dysmenorrhea included age at menarche, family history, frequency of fast food consumption, physical activity, and history of exposure to cigarette smoke. Meanwhile, the menstrual cycle is not related to the incidence of primary dysmenorrhea. Suggestions that researchers can give include students being more careful and aware of themselves to prevent primary dysmenorrhea.
NONSURGICAL RHINOPLASTY: SYSTEMATIC REVIEW
Authors: Nur Afiati Shabrina , Wijaya Natalia , Marini Dini
Published: March 2024

Introduction: The surge in demand for nonsurgical rhinoplasty, driven by patients seeking alternatives to the enduringly popular surgical rhinoplasty, emphasizes the need for skilled facial plastic surgeons proficient in filler placement. Offering nonsurgical rhinoplasty by experienced surgeons enhances safety, contributes to surgical practice success, and serves as a cost-effective, low-risk alternative, especially when patients are considering future surgery. Systematic reviews play a crucial role in consolidating evidence, informing practitioners about the latest developments, and establishing best practices in both nonsurgical and surgical rhinoplasty, contributing to improved patient care.
Methods: The researchers in this study followed the 2020 Preferred Reporting Items for Systematic Review and Meta-Analysis (PRISMA) guidelines to ensure that their work met the required standards. This was done to ensure the precision and reliability of the conclusions derived from the research.
Results: Our search produced 22 results. After looking at the titles and summaries, we found 10  papers that fit our criteria. At first, we excluded several articles because they were written in review style and case reports. But after reading the full papers carefully, we included five papers in our final analysis. These papers included a retrospective analysis, observational study, and retrospective analysis of a prospective clinical registry.
Conclusion: In conclusion, nonsurgical rhinoplasty, exemplified by a 14-year case series, is a highly gratifying and popular procedure, emphasizing an ascending technique for optimal outcomes. However, its potential complications necessitate experienced practitioners, urging caution and diligence. The systematic review supports the efficacy and safety of nonsurgical rhinoplasty using PDO sutures and fillers, especially in Asians, while emphasizing the importance of patient selection. Furthermore, the described "LG Nose Reshaping Technique" with hyaluronic acid proves safe and effective, warranting long-term studies, and the use of VYC-25L showcases high patient satisfaction and low adverse events when administered by skilled practitioners with optimized fillers.
Workers’ self-management in Argentina: Contesting neo-liberalism by occupying companies, creating cooperatives and recuperating autogestión. By Marcelo Vieta.
Authors: Bird Alex
Published: March 2024

Book review
Creating and supporting co-operative members in the West Midlands
Authors: Simmons Richard , Birchall Johnston
Published: March 2024

Member participation is widely considered to be the lifeblood of democratic member-owned organisations such as consumer co-operatives. However, despite this recognition of its importance, active participation is often lower than desired. In this article we first establish why this is an important issue for consumer co-operatives to address. We then present a theoretical model we call the ‘Participation Chain’, which aims to unravel some of the complexity that inheres in an important question that has, up to now, received little systematic attention — namely ‘what motivates co‑operative members to participate?’. Finally, we present some research findings from a recent research project that tested the model with two types of consumer co-operative in the West Midlands region: housing and retail co-operatives. This research was conducted in partnership with the Co‑operative College as part of a larger project that aimed to find new ways to create and support active ‘stakeholder members’, and therefore vivify processes of member involvement in the West Midlands.
Practising sustainability beyond growth in eco-social entrepreneurship: An international comparative case study
Authors: Kovanen Sunna , Umantseva Anna
Published: March 2024

This paper explores whether and how eco-social enterprises (ESEs) in rural areas are able to foster sustainability beyond growth in their daily practice. We approach sustainability beyond growth as a radical intertwining of social, ecological and economic concerns, where economy is understood as the secure and long-term fulfilling of basic needs within planetary limits. The study compares daily practices of five established ESEs in Brandenburg, Germany and Alentejo, Portugal. The ESEs represent the fields of agriculture and tourism and are diverse in their organisational forms and sizes. The data includes ethnography, interviews and document analysis. According to the results, ESEs support transition towards sustainability beyond growth and extractivism by facilitating slow, caring and respectful production practices that balance the needs of nature and human participants. While findings demonstrate such practices across all organisational forms and sizes, they were the most ambitious and heterogeneous in large co-operatives in less peripheral locations with more initial resources. Ethical negotiations on economic risk-sharing and decision-making were intertwined in and stabilised by market relations and hierarchical decision-making. Small and peripheral ESEs need to balance between the risk of exclusivity, precarity, complexity of diverse participation and limited resources for coordination.
Consumer co-operative societies: Why should people participate?
Authors: Birchall R. Johnston
Published: March 2024

If the co-operative’s main aim is to stay in business, then all it needs to ensure survival is a board of directors and a quorum at an annual shareholders’ meeting, or failing this, a change of rules and a smooth transition to management control and a workers’ co-operative. A large membership might bring customer loyalty, but there are other ways of producing the same effect. This is in marked contrast to the unions and Labour Party, which would collapse without a much higher level of participation. Of course, the co-operative’s ends also include consumer control, for which participation on the board and at general meetings are necessary but not sufficient conditions: an informed membership, a board responsive to their wishes, and a management competent to carry these out, are also needed. This paper considers the consequences of membership decline in co-operative societies, and whether are they important and asks the question why should people participate in them?
The impact of the cost-of-living crisis on British credit unions and community lenders
Authors: Vika Pål M. , Wallace Andrew
Published: March 2024

Credit unions are often hypothesised to be less vulnerable to crises than other types of businesses. This paper examines the impact of the cost-of-living crisis on the British credit union and community lender sector drawing on interviews with 25 managers and a focus group with four loan officers. This crisis is affecting businesses and households through high inflation, declining real pay, rising interest rates, and falling economic growth. The findings suggest that credit union and community lender customers are experiencing a deterioration in their finances. They save less, have more unsecured debts, are less likely to qualify for a loan, and are more likely to default on loan payments. Lenders are grappling with a tension between supporting customers affected by the crisis and preserving their own financial position. On the one hand, there is evidence of lenders providing additional support to their members, including emergency loans and hardship payments. On the other, they are mitigating the risks of deteriorating customer finances by tightening lending criteria and reducing lending to higher risk groups. The findings underline the need for future research into the long-term effects on the sector and its ability to provide finance to underserved communities.
الأزمات الاقتصادية وأثرها على شرعية النظام السياسي (أزمة اقرار الموازنة العراقية لسنه 2023م انموذجا)
Authors: م.م لقاء ياسين حسن محمد م.م لقاء ياسين حسن محمد
Published: March 2024

الأزمات الاقتصادية في أي بلد تؤثر مباشرة على شرعية النظام السياسي، وفي حال استمرار تلك الأزمة، فإنها تؤثر أيضًا على شرعية النظام السياسي وعلى القبول الشعبي له. كما هو الحال في العراق، حيث يستمر تأخير اقرار الموازنة نتيجة للصراعات السياسية وعدم وجود توافق بين الكتل السياسية وحصة الإقليم (إقليم كردستان) والكتل السنية والشيعية، مما يؤثر بشكل كبير على تأخير اقرار الموازنة، خاصة اعتمادها لمدة ثلاث سنوات، مما تسبب في مشاكل في التوصل إلى اتفاق حول اقرارها. و يترتب على ذلك تعطيل المشاريع الخدمية والصناعية والكهربائية، وتأخير صرف رواتب الموظفين، وتعثر تنفيذ المشاريع الصناعية الكبيرة والاستثمارات. وفي حال استمرار الأزمات المتتالية، قد تؤثر هذه الأوضاع سلبًا على شرعية النظام السياسي، مما قد يؤدي في نهاية المطاف إلى انهيار شرعيته.

الكلمات المفتاحية: الازمه الاقتصادية، الشرعية , الموازنة,  التنمية الاقتصادية .
الاستراتيجية الصينية اتجاه تايوان وانعكاساتها الإقليمية
Authors: ا.م.د حسام ممدوح خيرو ا.م.د حسام ممدوح خيرو , معتصم كريم عبد النبي معتصم كريم عبد النبي
Published: March 2024

تايــــوان ذات أهمية كبيرة للصين. ويشير الدســــــتور لجمهورية الصين الشعبيــــة إلى أن تايوان "أرضًا مقدسة" للصيــــــن. ومن وجهة نظر بكيــــن أن عدم إعـــــادة دمج تايوان بالوطــــن الأم، هو أمر يمكن أن يــــؤثر على قدرة الحزب الشيوعـــــي الصيني في الاحتفــــاظ بالشرعية في الصين. مع تزايـــــد النزعة القومية ورؤية الحزب الشيوعي الصيني لشرعيتـــــه على أساس الترويج لـ "رؤية موحدة للصين والعالم: صيــــن واحدة، حقيقـــة واحدة، عالم واحــــد، حلم واحــــد"، لا يمكن للحزب أن يترك لتايوان مستقبلاَ منفصلاً عنهـــا. لذلك، من المؤكد إن تايوان مصلحة وطنية أساسية لجمهورية الصين الشعبية طالما أن الحزب الشيوعي الصيني يحتكر السلطة.

إذ شغلت تايوان كثيرا التفكير الاستراتيجي الصيني على مدى العقود السابقة، مما أثرً على الصين في علاقاتها الخارجية، لا سيما الإقليمية، هذا الأثر سبب إشكالات كبرى للصين على مستوى سياستها الخارجية كونها أضحت في محل التنافس.

 الكلمات المفتاحية: الاستراتيجية الصينية، تداعيات الأزمة التايوانية، تايوان، الصين.
الديمقراطية المحدثة في النظام السياسي للولايات المتحدة الامريكية
Authors: م.د. لؤي سعد عبيد م.د. لؤي سعد عبيد
Published: March 2024

المستخلص:

     لم تنشأ الولايات المتحدة الامريكية كبقية الدول القوميةـ، بل ان جذور تكوينها يعود الى تدفق الهجرة الانكليزية والأوربية نحوها اما بسبب الاضطهاد السياسي، أو الأزمات الاقتصادية، أو بحثا عن الثروة. لتتكون ثلاثة عشر مستعمرة تابعة للتاج البريطاني.

     بدأت تتوتر العلاقة بين المستوطنات الثلاثة عشر ووطنهم الام بريطانيا، بسبب التسلط الإنكليزي على المستعمرات وفرض الضرائب، ورافق ذلك بروز الأفكار الديمقراطية والتحررية التي كان أساسها الممارسات الديمقراطية في بعض المستوطنات والتي بدأتها مستوطنة فرجينيا التي كانت تتمتع بحكم ذاتي في إدارة شؤونها من دون ان تخرج عن التبعية الإنكليزية سياسياً لتكون نموذجا لبقية المستوطنات. فانطلقت حركات ثورية تطالب بالاستقلال عن بريطانيا حتى تمكنت من الحصول عليه وتشكيل اتحاد كونفدرالي، الا ان ذلك الاتحاد واجه الكثير من المشاكل الاقتصادية السياسية مما جعل الإباء المؤسسين يحاولون أيجاد نظام حكم يثبت وحدة الولايات ويمنع انفصالها عن الاتحاد.

     وبسبب تأثر الآباءالمؤسسين بوطنهم الام بريطانيا حاولوا إيجاد نظام سياسي كان اشبه بالنظام الملكي الإنكليزي الا انهم قاموا بتحديثه والمزاوجة بين النظام الملكي المطلق والديمقراطية. ليكون نظاماً مبتكراً من قبل واضعي دستور الولايات المتحدة اخذت به الكثير من الدول.

الكلمات المفتاحية: الديمقراطية الامريكية، النظام السياسي في الولايات المتحدة الامريكية، الدستور الأمريكي، النظام الرئاسي.
رؤية مستقبلية لسياسة العراق الخارجية تجاه دول الجوار الجغرافي
Authors: ا.د نوار جليل هاشم ا.د نوار جليل هاشم
Published: March 2024

انُ سياسة العراق الخارجية يمكن أنْ تتحدد وفق عناصر القوة والموارد والفرص ومرونة الحركة للنظام السياسي، بحيث يصبح العراق قادراً على توظيف ما يمتلكه من نقاط قوة وما تمثله من حاجة لدى جيرانه لتحقيق أكبر قدر من المكاسب عبر الإدراك الصحيح والاستجابة المرتكزة على مقومات الفعل، لذا سنحاول في هذا البحث الحديث عن طبيعة توجهات السياسة العراقية تجاه دول الجوار الجغرافيذلك بعد البحث في سياسة العراق الخارجية مع كل دولة من الدول المجاورة وتحديد طبيعة السياسة مع كل منها وفق محددات القوة.

كلمات مفتاحية: العراق ، سياسة ، خارجية ، قوة ، جوار.
Computer Vision and Deep Learning Transforming Image Recognition and Beyond
Authors: Chen Yizhi , Wang Sihao , Lin Luqi , Cui Zhengrong , Zong Yanqi
Published: March 2024

Computer vision is a cutting-edge information processing technology that seeks to mimic the human visual nervous system.   Its primary aim is to emulate the psychological processes of human vision to interpret and depict objective scenery.   This revolutionary field encompasses a wide range of applications, including life sciences, medical diagnosis, military operations, scientific research, and many others. At the heart of computer vision lies the theoretical core, which includes deep learning, image recognition, target detection, and target tracking These elements combine to enable computers to process, analyze, and understand images, allowing for the classification of objects based on various patterns One of the standout advantages of deep learning techniques, when compared to traditional methods, is their ability to automatically learn and adapt to the specific features required for a given problem.   This adaptive nature of deep learning networks has opened up new possibilities and paved the way for remarkable breakthroughs in the field of computer vision. This paper examines the practical application of computer vision processing technology and convolutional neural networks (CNNs) and elucidates the advancements in artificial intelligence within the field of computer vision image recognition. It does so by showcasing the tangible benefits and functionalities of these technologies.
Pawning Clove Plantation Land in Tolitoli Regency: The Perspective of Fiqh Muamalah
Authors: Fathul Khair  , Muhammad Syakir Al Kautsar  , Nurul Mahmudah
Published: March 2024

Purpose: Implementation of pawning of clove plantation land in the Tolitoli community, the clove plantation land is temporarily owned by the pawn recipient, and the produce from the land is taken by the pawn recipient. The practice of clove pawning by the Tolitoli people greatly benefits those who receive the pledge of garden land and conversely causes losses to the pawnbroker or land owner. Methodology: This research is qualitative research. Findings: The practice of pawning clove land carried out by the community in Tolitoli Regency is not in accordance with mu’amalah fiqh. The discrepancy lies in the utilization of pawn goods and the results from clove land are fully utilized by the pawn recipient.
Implementation Of Productive Waqf Operational Management at Nurul Huda Mosque in Metro City
Authors: Adi Putra Bangun
Published: March 2024

Purpose: This research aims to find out and analyze the implementation of productive waqf operational management at the Nurul Huda Ganjang Agung Mosque, Metro City. Methodology: This research uses a type of field research with descriptive qualitative research. The data in this study were collected using interview and documentation techniques. Data analysis techniques in this research are data collection, reduction, presentation, verification, and conclusions. Findings: The results of the analysis of productive waqf operational management at the Nurul Huda Mosque in Metro City can be concluded that the operational management of productive waqf at the Nurul Huda Mosque has not been carried out properly. Productive waqf operational management has not carried out the process function properly, namely, the process of distributing waqf is still limited to the operational use of the Nurul Huda mosque. The implementation of the capacity function has not been good in its calculations and the capacity of cultivators who are only worked on by 8 people, consisting of 7 cultivators for 9 fields of rice fields and 1 cultivator for 2 fields of waqf land for ponds. The implementation of the inventory function has not been carried out properly, namely, there are still 4 fields of waqf land that have not been certified, the implementation of the productivity inventory function is not good, by leaving waqf land idle not planted during the rice planting season.
Analysis Of the Implementation of The Hybrid Contract Murabahah Bil Wakalah Agreement System in Griya Madani Financing Reviewed from Fatwa DSN No.04/DSN-MUI/IV/2000: Study at PT BPRS Metro Madani, Jatimulyo Branch Office
Authors: Syarif Ahmad Hazas , Sya'adi Nur , Fitriyani Anggita
Published: March 2024

Purpose: PT BPRS Metro Madani Jatimulyo Branch Office offers a product called Griya Madani which is a combination of two types of contracts in one agreement, namely the murabahah bil wakalah contract (by order). Murabahah is a sale and purchase of the cost of goods plus a margin as profit from the seller. Along with its development, the murabahah contract was included in Islamic bank financing and combined with the wakalah contract so that it was known as murabahah bil wakalah. The provisions of murabahah bil wakalah are contained in Fatwa Number 04/DSN-MUI/IV/2000 point nine which among other things stipulates that when a bank wants to sell an item, the item must in principle become the property of the bank first. The purpose of this study was to analyze whether the hybrid contract murabahah bil wakalah contract system on Griya Madani financing at PT BPRS Metro Madani Jatimulyo Branch Office which was implemented at PT BPRS Metro Madani Jatimulyo Branch Office was by Fatwa Number 04/DSN-MUI/IV/2000 Methodology: The research method used a qualitative research method with a descriptive approach. Findings: The results of this thesis research conclude that the application of the hybrid contract murabahah bil wakalah contract system contained in the Griya Madani financing at PT BPRS Metro Madani Jatimulyo Branch Office is by Fatwa Number 04/DSN-MUI/IV/2000 concerning murabahah.
Research on the Influence of Vocational Interest of Vocational College Students on the Professional Learning Effectiveness
Authors: Guo Keyang
Published: March 2024

This study investigates how various occupational interests among students in higher vocational colleges impact their learning outcomes. It develops a theoretical model linking six occupational interest types to learning outcomes, gathering data from 390 valid responses via online surveys. Analysis was performed using SPSS 24.0 software to assess the relationship between occupational interests and learning outcomes, incorporating both reliability and validity tests, followed by multiple linear regression to evaluate the research hypotheses. Findings indicate that interests in vocational, investigative, artistic, social, enterprising, and conventional areas positively influence professional learning outcomes. Notably, social occupational interests demonstrate the most significant positive impact, whereas conventional interests have the least effect on learning outcomes. Conclusively, the study offers targeted recommendations for students, parents, and educators. It highlights the necessity of aligning students' occupational interests with educational programs to enhance learning outcomes, advocating for concerted efforts from all stakeholders to support students' academic and professional growth. This tailored approach aims to foster an educational environment that maximizes students' potential and academic success.
Efektivitas Cyber Public Relation Dinas Kesehatan Kota Bogor Terkait Informasi Covid-19 Terhadap Pemenuhan Kebutuhan Informasi Kesehatan Masyarakat
Authors: Ane Sajahwa  , Roni Jayawinangun  , Layung Paramesti Martha  , Tiara Puspanidra
Published: March 2024

This study aims to determine the Effectiveness of Cyber PR for Covid-19 Information from the Bogor City Health Office in meeting the public's need for health information. This study uses a quantitative research approach. The data in this study were collected using a closed questionnaire which was then analyzed by multiple linear regression by SPSS 24. The results showed that the fulfillment of Cyber Information Needs at the Bogor City Health Office was included in the Good category. The cyber PR media owned by the Bogor City Health Office is a means or equipment used by the Bogor City Health Office in disseminating information about health during the pandemic to meet the information needs of the community. In this case, the people of Bogor City prefer to find out directly to the cyber media of the Bogor City Health Office as a reference in finding information about health because people feel that the Bogor City Health Office provides complete and varied information and is clear in conveying information.
HERBAL POTENSIAL SEBAGAI HAND SANITAIZER DI INDONESIA : LITERATUR REVIEW
Authors: Thalib Abdul
Published: March 2024

Introduction : Covid 19 pandemic that befell the world today makes the need for clean and healthy life behavior increase. The necessity to wash hands is often hampered, especially when on the road so hand sanitizers are an alternative to hand washing. Hand sanitizers with natural ingredients tend to be more friendly to the skin. Method : Literature review is carried out on the Garuda and Google Scholar data base. Articles are restricted from 2015- 2019. With keywords natural ingredients, herbs, hand sanitizers, antibacterial, antifungal, and antiviral. Result: Based on literature search on 2 data based found 86 studies related to each Garuda: 28 articles, Google Scholar: 58 articles. After screening the title and abstract, 57 articles and 2 double articles were then issued so that 27 articles were reviewed in full. Of these there are 13 articles that identify the use of herbal ingredients used as hand sanitizers and have the ability to be antibacterial, antiviral and antifungal. Conclusion :The use of herbs as a hand sanitizer is very potential to be used, however it is still necessary to pay attention to the standards of making hand sanitizers, namely viscosity, PH, homogeneity and inhibition. Some active compounds that function as antibacterial agents such as auron flavonoids, quercetin, limonene, larchein
HUBUNGAN PENGETAHUAN IBU NIFAS TENTANG PERAWATAN PAYUDARA DENGAN KELANCARAN PENGELUARAN ASI DI PUSKESMAS KOTA KABUPATEN BANTAENG
Authors: Suhartini Suhartini , Yuliandini Astri , Ani Ani
Published: March 2024

Introduction : Breast care during breastfeeding aims to keep the breasts always clean and easy for babies to suck. After each feeding, the breasts are immediately cleaned of splattered milk so as not to become a medium for bacteria to develop. For this reason, breast care prevents infections in the breast such as mastitis (mammary infection). Method: The research was conducted in November 2022 at the Bantaeng Regency City Health Center in 2022. This type of research is the Cross Sectional Study method. The population in this study is all postpartum mothers who are at the Bantaeng Regency City Health Center in 2022. The sample in this study was postpartum mothers who were at the Bantaeng Regency City Health Center in 2022 as many as 30 people using Purposive Sampling techniques. Results: The results showed that of the 30 people sampled, 20 people were well informed about breast care (66.7%) and 10 were less knowledgeable (33.3%). The results showed that of the 30 people used as samples, 19 people experienced smooth breastfeeding expenditure (63.3%) and 11 people (36.7%) who were not smooth. The results showed that there was a relationship between postpartum mothers' knowledge about breast care and smooth milk dispensing. Conclusion :  It is expected for mothers to understand the techniques and how to do so that mothers can do according to their stages
Testing Purchasing Power Parity in Cambodia: Time-Varying Trade Weights in Constructing Real Effective Exchange Rate
Authors: Lim Siphat
Published: March 2024

ABSTRACT The main aim of this study is to figure out whether the PPP hold or not in Cambodia? This research thoroughly takes into account major controversies which many researchers cogitate to be the cause of PPP breakdown. The aforementioned controversies are the using of the bilateral exchange rate which consists of short time-series or the using of multilateral or real effective exchange rate (REER) constructed by the fixed trade weight, the implementing of only the most popular unit root or stationary tests, such as ADF and PP tests to test for PPP. Thereof, this shortcoming is fulfilled through the implementing of another alternative stationary test known as the KPSS test on the monthly constructed REER from January 1995 to July 2019. The total data points or months of 295 is constructed using time-varying trade weights from 1995 to 2019 of Cambodia. After attempting to deal with the controversies thereto, the empirical result indicates that the PPP theory holds in Cambodia based on the result of the ADF test which is modeled with constant and trend. The test result indicates that the REER of Cambodia has a mean reverting process. Keywords: PPP, REER, Time-Varying Trade Weights, Unit Root Test.
SMEs in Cambodia
Authors: Ky Sereyvath
Published: March 2024

ABSTRACT Small and Medium Enterprises (SMEs) drive industrial progress, improve an economy’s ability to deal with shocks and are recognized as breeding grounds of innovation which is a crucial part of the Cambodian economy, contributing to both economic and social development. SMEs play an important role in: (i) creating jobs (ii) generating income for low-income people and vulnerable populations, and (iii) fostering economic growth, social stability, and contributing to the growth of a dynamic private sector. This paper focus on the production issues only where it aims to find factors affecting the growth of SMEs, that are divided into three folds such as technology, labor force, and capital. The research will employ the grounded theory as methodology. However, SMEs have many challenges. Access to finance is still the main issue while SMEs bank has been established. Technical knowledge and skills are the main issues for labor including migration problems. Technology updated is still limited for growing SMEs. Keywords: Small Medium Enterprise; SMEs; production issues; labor force; capital
Review on the use of HTS windings in electric machine designs
Authors:   National Research University ", Kurbatova E.P. ,   Moscow Power Engineering Institute"
Published: March 2024

Статья представляет собой обзор современного состояния в области применения высокотемпературных сверхпроводящих (ВТСП) обмоток в конструкциях электрических машин. Показаны основные типы конструкций и способы применения ВТСП обмоток как в качестве обмоток возбуждения, так и обмоток якоря, опубликованные за последние 15–20 лет. Представлены данные о сравнении ВТСП машин с традиционными конструкциями.
O ENCONTRO DO PASSADO E DO PRESENTE NO ENSINO DO TEMA DA ESCRAVIDÃO JUIZFORANA: DIÁLOGO COM PROFESSORES MUNICIPAIS DE HISTÓRIA
Authors: Ferreira Luan Pedretti de Castro
Published: March 2024

O trabalho pretende analisar como professores de História de Juiz de Fora entendem e abordam a história da escravidão ocorrida na região como tema em suas atividades docentes. Por meio de entrevistas semi-estruturadas, buscou-se dialogar com estes profissionais mapeando as abordagens sobre o passado e as reflexões produzidas no presente por eles e pelos alunos que estão em contato com o conteúdo. A partir das teorias decoloniais e pós-coloniais, buscou investigar a história da escravidão evidenciando este fato como um crime contra a humanidade que marcou seu tempo e deixou marcas para os dias atuais. Como resultado, foi possível perceber como os alunos refletem e internalizam o tema e conseguem correlacionar com suas vivências enquanto sujeitos no presente. Bem como os professores, ao serem expostos aos acontecimentos do passado e às vivências do presente, são afetados pelas questões que seus alunos trazem a partir da provocação feita por eles em sala de aula.
HISTÓRIA DAS POLÍTICAS DE EDUCAÇÃO ESPECIAL NA REDE MUNICIPAL DE ENSINO DE JF: PERCURSOS (OU TRANSCURSOS) ESPAÇOS-TEMPORAIS
Authors: Grazzinoli Raquel Xavier
Published: March 2024

Esse relato surge da questão que me levou ao doutorado em educação. Durante a construção da dissertação encontrei dificuldade significativa para narrar fatos, ações e construções de políticas de Educação Especial na rede municipal de ensino de Juiz de Fora, devido à falta de registros.
O CURSO LEITURA E ESCRITA NA EDUCAÇÃO INFANTIL ESTÁ NA REDE: OS PERCURSOS DE UMA POLÍTICA DE FORMAÇÃO DE PROFESSORAS
Authors: Araújo Víviam Carvalho de
Published: March 2024

O presente artigo tem por objetivo discutir uma política de formação de professoras da rede municipal de Juiz de Fora com a oferta do curso Leitura e Escrita na Educação Infantil (LEEI) no ano de 2023. Inicialmente, aborda a Educação Infantil como campo já consolidado em relação às pesquisas e legislações, que caminham no sentido de garantir uma infância com direitos consensuados e estabelecidos. Em seguida, trata das especificidades da formação de professoras na primeira etapa da Educação Básica e apresenta o curso Leitura e Escrita na Educação Infantil e os desdobramentos da política de formação para as profissionais das creches parceiras e escolas municipais de Juiz de Fora. Nasconsiderações finais, são tecidos apontamentos acerca da experiência de implementação dessa política de formação de professoras, demonstrando a importância do investimento nesse campo, que deve implicar uma articulação dos processos de formação, em estreito diálogo com as práticas e com as instituições de educação e suas profissionais. A discussãorealizada aponta que o investimento na política de formação de professoras traz elementos fundamentais para a melhoria da qualidade das práticas pedagógicas na Educação Infantil.