bluuebunny/crossref_metadata_2025 huggingface dataset:
Discrepancies in Islamic finance
Authors: Dorofeev M.L. , Griban' M.K.
Published: November 2020

Subject. The article focuses on discrepancies in Islamic finance, the construct of Islamic finance, its profit-generation mechanism, economic effects, unique nature and competition with traditional financial institutions.
Objectives. We analyze the Islamic economic model and perform the comparative analysis of Islamic and traditional financial instruments. We also investigate conflicting issues of Islamic finance.
Methods. The study involves methods of comparison, deduction, economic analysis and graphic interpretation.
Results. We analyze the Islamic economic model to point out some fundamental principles of the Islamic economy, and its strengths. The article overviews types of Islamic financial instruments, compares them with traditional finance. The practical part of the study compares annual financial statements of the Abu Dhabi Islamic Bank and Russia’s Sberbank. We unfold the profit-generating mechanism of Islamic financial institutions and discover discrepancies in Islamic finance.
Conclusions and Relevance. Having compared Islamic and traditional finance, we revealed some similar and different aspects. We discovered discrepancies in Islamic finance that translate into the overall nature of the Islamic economy and the performance of the Islamic financial institution above. The findings can be used for further studies into Islamic finance and outlining Islamic banking development strategies at the governmental level. Furthermore, the findings may come in handy to professional and non-professional market actors for making investment decisions.
ANALISIS HUBUNGAN SISTEM MANAJEMEN KESELAMATAN DAN KESEHATAN KERJA TERHADAP TINGKAT KECELAKAAN PADA PROYEK
Authors: Wirawan Andi Lay , Waty Mega
Published: November 2020

The construction industry in general can be categorized as activities that contain a lot of elements of danger and very risky for accidents. Occupational safety and health management system (SMK3) is the one of factors in a construction project. Implementation of “SMK3” needs to do to provide a good, safe and comfortable working environment, but it is also useful for avoiding work accidents. This study aims to determine the relationship between the factors of the application of “SMK3” to the level of accidents whether correlated or not, so we get the factors that apply the safety management system and work health which is most related to the accident rate. The research method used is quantitative descriptive method, namely by distributing questionnaires that have been prepared previously. Then the data processing is done with the help of an applied program to obtain the results of the validity test, reliability test, normality test and correlation results using the Pearson Product Moment method. The results of the Pearson Product Moment correlation analysis produced 14 variables that correlated with the accident rate with the most influential factor being the availability of danger signs on the project.ABSTRAKIndustri kontruksi pada umumnya dapat dikategorikan sebagai kegiatan yang banyak mengandung unsur bahaya dan sangat berisiko untuk terjadinya kecelakaan. Sistem manajemen keselamatan dan kesehatan kerja merupakan salah satu faktor utama dalam suatu pelaksanaan proyek konstruksi. Penerapan SMK3 perlu dilakukan untuk memberikan suasana lingkungan kerja yang baik, aman, dan nyaman, selain itu juga berguna untuk menghindari kecelakaan kerja. Penelitian ini memiliki tujuan mengetahui hubungan faktor penerapan sistem manajemen keselamatam dan kesehatan kerja terhadap tingkat kecelakaan apakah berkorelasi atau tidak, sehingga didapatkan faktor penerapan SMK3 yang paling berhubungan dengan tingkat kecelakaan. Metode penelitian yang digunakan adalah dengan metode diskriptif kuantitatif yaitu dengan penyebaran kuesioner yang sudah disiapkan sebelumnya. Lalu pengolahan data dilakukan dengan bantuan program terapan untuk didapatkan hasil uji validitas, uji reliabilitas, uji normalitas dan hasil korelasi dengan menggunakan metode pearson product moment. Hasil dari analisis korelasi pearson product moment menghasilkan 14 variabel yang berkorelasi terhadap tingkat kecelakaan dengan faktor yang paling berpengaruh adalah ketersediaan rambu-rambu tanda bahaya pada proyek.
EVALUASI STRUKTUR GEDUNG DUAL SYSTEM DENGAN DINDING GESER BERSAYAP C MENGGUNAKAN PUSHOVER ANALYSIS
Authors: Albert Albert , Christianto Daniel , Pranata Hadi
Published: November 2020

ABSTRACTAlthough elastic analysis gives a good indication of the elastic capacity and behavior of a building, but the elastic method can’t predict when the first yield will occur, and the failure mechanism and account for redistribution of member forces when the plastic hinges progressively formed. The use of inelastic procedure for evaluation is an attempt made by engineer in the past days to better understand how the structure will behave when subjected to strong earthquake, assuming the elastic capacity of the structure will be exceeded. In this research the pushover analysis was done using the modelling criteria of FEMA 356. The modeling of C-flanged shear was done using line element with the equivalent strength and stiffness properties. Target displacement was calculated using the displacement coefficient method of FEMA 356. Based on the analysis the triangular load pattern resulted in larger target displacement than the uniform load. But the uniform load pattern gives larger seismic response than the triangular load pattern. The uniform load pattern resulted in Life Safety performance level, while the triangular load pattern resulted in Immediate Occupancy, based on the two load patterns used the structure resulted in Life Safety performance level.ABSTRAKWalaupun analisis elastik memberikan indikasi yang baik mengenai kapasitas dan perilaku elastik dari suatu gedung, tetapi metode elastik tidak dapat memperkirakan kapan pelelehan pertama terjadi, serta mekanisme kegagalan apa yang mungkin terjadi pada bangunan tersebut, dan memperkirakan redistribusi dari gaya- gaya dalam ketika pembentukan sendi plastis secara progresif terjadi. Fungsi dari analisis inelastik, sebagai prosedur untuk mengevaluasi bangunan, yang merupakan usaha dari insinyur-insinyur terdahulu memahami bagaimana struktur akan berperilaku apabila dikenai gempa kuat, dimana diasumsikan bahwa kapasitas elastik gedung telah terlampaui. Dalam penelitian ini dilakukan pushover analysis menggunakan kriteria pemodelan berdasarkan FEMA 356. Pemodelan dari dinding geser bersayap C dilakukan menggunakan line element dengan kekuatan dan kekakuan yang ekivalen. Target perpindahan dianalisis menggunakan metode coefficient of displacement dari FEMA 356. Berdasarkan analisis yang dilakukan didapat bahwa pembebanan segitiga lebih besar dibandingkan pembebanan merata. Namun, respons seismik yang didapat akibat beban merata, lebih besar dibandingkan beban segitiga. Pembebanan merata menghasilkan tingkatan kinerja Life Safety, sedangkan pembebanan segitiga menghasilkan tingkatan kinerja Immadiate Occupancy, berdasarkan kedua pembebanan tersebut didapat kinerja dari struktur tersebut adalah Life Safety.
KARAKTERISTIK MEKANIS CAMPURAN LASTON ATAS DENGAN PENAMBAHAN LIMBAH BUBUTAN BAJA
Authors: Nathanael Nathanael , Tajudin Anissa Noor
Published: November 2020

The flexible pavement is burdened by a high volume of traffic vehicles leads to damage to the road. The innovation of the use of steel waste can also be one of the efforts to minimize the damage of the plight because steel waste is a good conductor and can help manage the surrounding waste to reduce the negative impact of waste on the community. Through this research, the mechanical characteristics of waste steel as added material will be tested for the type of asphalt concrete wearing course. Thus it will be known benefits of use of steel  waste against asphalt mixture. . By using the waste of steel with the size of ±. 0,5 cm and with a variation  of 0,25%, 0,5%, 0,75%, and 1% and the optimum asphalt rate obtained from previous research at 5,7%. Once obtained characteristic data Marshall mixture, the research continue to determine the optimum material level with a narrow range method and performed mechanistic analysis of empirical using KENPAVE. , Then the results of the test can be seen in the characteristic Marshall, which is where these values are based on the general specifications of the Directorate General of Bina Marga Edition 2018.ABSTRAKPerkerasan lentur yang terbebani oleh volume lalu lintas yang tinggi dan menyebabkan terjadinya kerusakan pada jalan. Salah satu inovasi yang dapat digunakan untuk meminimalisir kerusakan lapis perkerasan dengan menggunakan limbah bubutan baja sebagai bahan tambah. Limbah bubutan baja merupakan konduktor yang baik, penggunaan bubutan baja ini juga dapat menjadi salah satu upaya untuk mengelola limbah yang ada di sekitar agar mengurangi dampak negatif limbah terhadap masyarakat. Melalui penelitian ini, karakteristik mekanis limbah bubutan baja sebagai bahan tambah akan diuji untuk jenis campuran asphalt concrete wearing course (AC – WC). dengan demikian akan diketahui manfaat penggunaan limbah bubutan baja terhadap campuran aspal. Dengan menggunakan limbah bubutan baja yang sudah dipotong hingga ukuran ±.0,5 cm dan dengan kadar variasi sebesar 0,25%, 0,5%, 0,75%, dan 1% serta kadar aspal optimum yang didapat dari penelitian sebelumnya, yaitu sebesar 5,7%. Setelah didapatkan data karakteristik Marshall campuran, penelitian dilanjutkan untuk menentukan kadar bahan optimum dengan metode narrow range dan dilakukan analisis mekanistik empiris menggunakan KENPAVE. Kemudian hasil pengujian tersebut dapat dilihat pada karakteristik Marshall , yang dimana nilai-nilai tersebut berdasarkan Spesifikasi Umum Direktorat Jendral Bina Marga Edisi 2018.
ANALISIS KAPASITAS JARINGAN DRAINASE DENGAN APLIKASI HEC-RAS DI KELURAHAN KEDOYA UTARA
Authors: Mario Mario , Sutandi Arianti , Kurniawan Vittorio
Published: November 2020

Kedoya Utara Village is an area which is almost always flooded with a height that can reach 1 m every year. Therefore, this study was conducted to determine whether the inundation is caused by channel capacity factors. This study will discuss 9 PHB channels found in Kedoya Utara Village. The data used in this study were obtained from the West Jakarta Water Resources Office, BMKG, and field measurements. Based on calculations obtained 4 channels that have a discharge plan that exceeds the channel capacity of 0,0797-5,7168 m3/s, so the channel dimensions need to be enlarged from 0-2,45 m for the width of the channel base, 0-2,3 m for the width of the section over the channel, and 0,25-0,65 m for the channel height. From the modeling results it is found that the water level for the four channels exceeds the height of the channel causing flooding in the area around the 4 channels. The location of the flood is in accordance with the reality on the ground. In 2016 the four canals were flooded with almost the same rainfall and the deepest inundation point was on Jalan Panjang. ABSTRAKKelurahan Kedoya Utara merupakan wilayah yang hampir selalu tergenang banjir dengan ketinggian yang bisa mencapai 1 m setiap tahunnya. Oleh karena itu, penelitian ini dilakukan untuk mengetahui apakakah genangan tersebut disebabkan oleh faktor kapasitas saluran. Penelitian ini akan membahas 9 saluran PHB yang terdapat di Kelurahan Kedoya Utara. Data yang digunakan dalam penelitian ini diperoleh dari Suku Dinas Sumber Daya Air Jakarta Barat, BMKG, dan pengukuran ke lapangan. Berdasarkan perhitungan didapat 4 saluran yang memiliki debit rencana yang melebihi kapasitas saluran sebesar 0,0797-5,7168 m3/s, sehingga dimensi saluran perlu diperbesar 0-2,45 m untuk lebar dasar saluran, 0-2,3 m untuk lebar bagian atas saluran, dan 0,25-0,65 m untuk tinggi saluran. Dari hasil permodelan didapat bahwa ketinggian muka air untuk keempat saluran tersebut melebihi tinggi saluran sehingga menyebabkan terjadinya banjir pada daerah di sekitar 4 saluran tersebut. Lokasi banjir tersebut sesuai dengan kenyataan yang ada di lapangan. Pada tahun 2016 keempat saluran tersebut tergenang banjir dengan curah hujan yang hampir sama dan titik genangan terdalam berada di Jalan Panjang.
MODELISASI NUMERIK ANALISIS GAYA LATERAL PADA PILE CAP DI TANAH KOHESIF
Authors: Halim Darwin , Yuwono Amelia , Wijaya Hendy
Published: November 2020

ABSTRACTThe foundation is a lower structure that serves to hold the burden that works from the structure above it the burden is passed on to the ground. The choice of foundation is based on the working load, the type of soil layer that supports the foundation, and the technology that can be used. Therefore, the performance of pile foundations in accepting lateral forces is important in geotechnical practice. In this journal, a centrifuged test model is tested to see the behavior of pile groups that are burdened by lateral loads. To find out the results of the trial, numerical modeling was carried out for the pile groups on clay. The clay soils modeled in this experiment were carried out under normally consolidated and over consolidated kaolin clay soils. The pile group model that was tested consisted of 2x2, 3x3, and 4x4 with a distance of center to center 3 times the width of the pile foundation. The results of this numerical analysis will be compared with the results of centrifuged tests that have been done before in other journals.Kata kunci: pile foundation, lateral force , numerical modeling, pile groups ABSTRAKFondasi merupakan struktur bawah yang berfungsi untuk menahan beban yang bekerja dari struktur bangunan diatasnya yang bebannya diteruskan ke tanah. Pemilihan fondasi didasarkan pada beban yang berkerja, jenis lapisan tanah yang menopang fondasi, serta teknologi yang dapat digunakan. Karena itu, kinerja fondasi tiang dalam menerima gaya lateral adalah hal yang penting dalam praktek geoteknik. Pada jurnal ini, sebuah model uji centrifuged di uji coba untuk melihat perilaku tiang kelompok yang terbebani oleh beban lateral. Untuk mengetahui hasil uji coba maka  dilakukan modelisasi numerik untuk kelompok tiang pada tanah lempung. Tanah lempung yang dimodelkan dalam percobaan ini dilakukan pada tanah kondisi normally consolidated dan over consolidated kaolin clay. Model kelompok tiang yang di uji coba terdiri atas 2x2, 3x3, dan 4x4 dengan jarak spasi pusat ke pusat 3 kali dari lebar tiang fondasi. Hasil analisis numerik ini akan diperbandingkan dengan hasil uji centrifuged yang sudah pernah dilakukan sebelumnya pada jurnal lain.  Kata kunci: fondasi tiang, gaya lateral , modelisasi numerik, kelompok tiang
Experimental Investigation for Some Properties of PMMA Denture Base Strengthened by Different Nanoadditives
Authors: Alraziqi Zaynab N. Rasheed , Mansoor Hadeel Salah
Published: November 2020

In dental and medical applications, poly-methyl methacrylate (PMMA) has been widely accepted due to the excellent biocompatibility and easy fabrication. Yet, some of the physical and mechanical characteristics of this compound are considered inferior. Seven groups of PMMA nano-composite samples were reported to be fabricated at laboratory temperature . These samples could be used in manufacturing the complete or partial maxillary denture base. The aim of this research is to prepare nano-composite materials which consist of PMMA as a matrix material and two different types of powder (prepared nanoparticles of SnO2 and natural egg shell powder (ESP)) as strengthening materials. The selected additives were used in many cases as pure or hybrid composites, specifically with weight percentage ratios of 1 and 2 wt%. Several analytical tests, namely AFM, FTIR, XRD and SEM, were used on the prepared nanoparticles. In addition, several tests were applied to assess the mechanical behavior before and after the reinforcement, including thermal conductivity, Vickers micro-Hardness, and water absorption. The results showed that the maximum amount of energy absorption in the composites was 1% at different types of additives, while a significant increase in thermal conductivity was recorded as the SnO2NPs percentage was increased. For surface micro-hardness, an obvious trend of increase was observed with the increase in additive percentage. The highest measured values of micro-hardness (19.59VHS and 13.30VHS) were recorded for the pure composites of 2% ESP and 2% SnO2, respectively. The results of water absorption test showed that higher percentages of ESP and SnO2, separately, within the pure composite resulted in higher water absorption capacity and an increased  value of diffusion coefficient (D).
Theoretical and Experimental Studies for Inhibition Potentials of Imidazolidine 4-One and Oxazolidine 5-One Derivatives for the Corrosion of Carbon Steel in Sea Water
Authors: Kubba Rehab M , Al-Joborry Nada M. , Al-lami Naeemah J.
Published: November 2020

Two derivatives of Iimidazolidin 4-one (IMID4) and Oxazolidin 5-one (OXAZ5), were investigated as corrosion inhibitors of corrosion carbon steel in sea water by employing the theoretical and experimental methods. The results revealed that they inhibit the corrosion process and their %IE followed the order: IMID4 (89.093%) > OXAZ5 (80.179%). The %IE obtained via theoretical and experimental methods were in a good agreement with each other. The thermodynamic parameters obtained by potentiometric polarization measurements have supported a physical adsorption mechanism which followed Langmuir adsorption isotherm. Quantum mechanical method of Density Functional Theory (DFT) of B3LYP with a level of 6-311++G (2d, 2p) were used to calculate the geometrical structure, physical properties and inhibition efficiency parameters, in vacuum and two solvents (DMSO and H2O), all calculated at the equilibrium geometry, and correlated with the experimental %IE. The local reactivity has been studied through Mulliken charges population analysis. The morphology of the surface changes of carbon steel were studied using SEM and AFM techniques.
Perspectivas filosóficas en torno a la constitución chilena de 1980: El dispositivo sacrificial
Authors: Llanos Arriagada Carolina Eugenia
Published: November 2020

El siguiente escrito corresponde a un texto reflexivo, que presenta diversos elementos en torno a la Constitución política chilena de 1980, que permitirían considerarla como un dispositivo, en sentido foucaultiano, de carácter sacrificial. Para profundizar tal afirmación, se considerarán algunos de sus elementos constitutivos, como su carácter neoliberal y el principio subsidiario subyacente a ella. Se considerará además, una reflexión con vetas genealógicas, que intenta rastrear elementos sacrificiales que estarían operando en su diseño materializado en las ideas de Jaime Guzmán, así como aquellos que influencian a este último, desde el pensamiento de Carl Scmitt.
Determination of simethicone in different drug formulations by gravimetry and comparison with the FTIR method
Authors: Guleli Muge , İşsev Sezin , Caliskan Cem , Ozbek Mahmut
Published: November 2020

Fourier transform infrared (FTIR) spectroscopy was mostly used in both pharmacopeia and literature studies to determine the assay of simethicone (SMT) in pharmaceuticals. It should be noted that HPLC is used less frequently. As an alternative to the mentioned methods a new, simple, fast, easy-to-apply and very cheap gravimetric method was developed and validated according to ICH guidance entitled Q2B Validation of Analytical Procedures: Methodology for the quantification analysis of simethicone in different pharmaceutical forms. For the simethicone suspension product provided to alleviate too much gas in the gastrointestinal tract, the simethicone amount was determined both by the validated gravimetric method and by the FTIR method defined in the USP and BP monographs, and the results were within the acceptance criteria. It is emphasized that there is no significant difference between the results of gravimetric and FTIR methods according to the calculated F- and t-test results.
Certification of sodium benzoate solution reference material by HPLC-UV, LC-MS/MS and UV-VIS-NIR spectrophotometry for food and drug analysi
Authors: Shehata Adel. B. , Alaskar Abdulrahman R. , Alrasheed Mohammed A. , Alosaimi Abdullah S. , Alkharraa Fahd A. , Alzahrani Abdulrahman M.
Published: November 2020

Sodium benzoate is one of the most widely used food perseverates and has to be used in regulated amounts to avoid its harmful health effects. Reviewing the scientific literature for traceability of the analytical measurement results of sodium benzoate in various food and drug applications to the SI units, it has been found that no scientific details of certification of sodium benzoate CRMs used for the calibration of measuring equipment are published. For this reason, the national metrology institute of Saudi Arabia (SASO/NMCC) certifies a sodium benzoate solution reference material. In this work, sodium benzoate was synthesized, purified and a batch solution reference material was prepared as 1014.47 mg/kg then homogenized and bottled. Homogeneity and stability of the candidate RM were assessed and the results obtained showed that the material is sufficiently homogeneous and stable. Characterization of the reference material was carried out by HPLC-UV, LC-MS/MS and UV-VIS-NIR spectrophotometer as three independent methods. The certified value was derived by combining data from the three methods using the weighted mean approach and was found 1016.13 mg/kg. The certified uncertainty was calculated as weighted uncertainty and was found 10.47 mg/kg (1.03%). Sources of this uncertainty were identified from the characterization, uchar, homogeneity, uhom, and long-term stability, ults, as well as the bias allowance, B.
A Sea of Change in the MENA Region: External Intervention in Libya
Authors: Köse Talha , Öztürk Bilgehan
Published: November 2020

External interventions by both regional and global powers in Libya have not been a scarcity after the 2011 revolution. With the turn of 2014, however, the nature of external interventions became more of a military one especially with the imposition of Haftar’s rule in the east by several counter-revolutionary regional and global actors. At the point that the same counter-revolutionary alliance attempted to geopolitically strangulate Turkey both via propping up hostile and authoritarian regimes in the Middle East and North Africa, and also excluding it from the prospect of exploiting the riches of the Eastern Mediterranean, Turkish intervention materialized in early 2020. This study attempts to explain the various motivations of the major intervening actors in Libya, namely France, Russia, Egypt, and the UAE with a special focus on Turkey. Structural realist perspective is used to elucidate the international interventions to the Libyan civil war. The nature of the uncertainty emanating from the regional transformation motivated the key actors to get militarily involved in the Libyan crisis. The actors with defensive motives are more likely to stick to the conflict despite the risks of escalation.
Hybrid Political Order in Libya: State, Non-State and Armed Actors
Authors: Aslan Murat
Published: November 2020

Libya, inspired by the February 17 revolution but devastated by post-revolt challenges, is struggling to build order, as state, non-state, and external actors exacerbate the already fragile security environment. Among these actors, state and non-state actors pose a repeating and paradoxical dilemma. Libya’s post-Qaddafi state structure has been formed by non-state armed actors, and at the same time these actors threaten the survival of the state; certain non-state armed groups compete against each other to accumulate more power, while in some cases being legitimized and funded by the state itself. The root causes of this paradoxical situation can be scrutinized by investigating the security culture inherited from Qaddafi’s regime, particularly its inefficient and ignored security institutionalization, and the efforts of the competing armed groups to dominate their areas of influence in the absence of a coherent state structure.
EXPLICATION OF THE ESSENCE OF THE DEFINITION “DEVELOPMENT” IN RELATION TO SOCIO-ECONOMIC SYSTEMS
Authors: Sokoliuk Galyna
Published: November 2020

The article presents an epistemological analysis of definitions that reflect various aspects of the economic category “development” used within the system approach. The analysis shows that these definitions mostly do not single out the features of the social component of the economic system and management tasks are defined from the subjective point of view of those who fall under managerial influence. It has been noted that this approach can be called mechanistic, since the behavioral characteristics of the social component are neglected and the management of the system is considered from the standpoint of one-vector influence of decision-makers. It has been argued that this negatively affects the effectiveness of development management due to the diversity of stakeholders’ interests. An explication of the essential content of “development” definition has been made and components that reflect the specifics of the socio-economic systems management according to the concept of “sustainable development” have been identified. Management of socio-economic system structural balance has been proposed to consider as a dynamic process of forming the optimal proportions of its future state, which is determined by the equal vectors of economic and other interests of its actors and their positions coordination meeting the priorities of sustainable development and competitiveness and following the principles of stakeholder interaction and social dialogue. It has been noted that the management of the socio-economic systems development should be carried out both from the standpoint of achieving structural balance of the system and taking into account the development goals of the system (increasing competitiveness through quality change).
IMPROVING THE QUALITY OF MANAGEMENT DECISIONS MAKING AT THE ACCOUNT OF USING THE INTELLECTUAL RECOMMENDATION SYSTEM
Authors: Borovyk Maryna
Published: November 2020

The article considers the essence and content of the process of making managerial decisions in the activities of higher education institutions. It is determined that a quality management decision in the context of higher education institutions is the result of analysis, forecasting, economic justification and choice of alternatives from a variety of options aimed at achieving sustainable development of higher education institutions. The essence of the intelligent recommendation system of management decision support is described, the use of which allows managers to combine their own subjective advantages with machine analysis of the situation in making recommendations in the management decision-making process aimed at achieving certain goals of higher education. The advantages of an intelligent recommendation system in comparison with traditional automated management decision support systems are determined. The main functions of the intelligent recommendation system to support management decisions are considered, including: situation analysis; generation of possible management decisions to solve the tasks; evaluation of generated scenarios and selection of the best; ensuring constant exchange of information on the status of the decision and coordination of group decisions; modeling of decisions; computer analysis of possible consequences of management decisions; collection of data on the results of implementation of management decisions and evaluation of their results. The main ways to improve the quality of management decisions in the activities of higher education institutions to ensure their sustainable development are identified. The expediency of using an intelligent recommendation system of decision support to improve the quality of management decisions in the activities of higher education institutions in order to achieve sustainable development is substantiated. It is proposed to combine the knowledge and experience of managers with automated support of this process to improve the quality of management decisions in the activities of higher education institutions and to achieve sustainable development, which will increase the validity of management decisions through the use of intelligent recommendation system to support management decisions.
CONSUMER CHOICE BEHAVIORAL ASPECTS IN CONDITIONS OF UNCERTAINTY
Authors: Shumei Anna
Published: November 2020

We studied the category of «uncertainty» in the context of consumer choice of individual. It was determined that that the quality and quantity of information that consumers received and processed during decision-making played the most important role, affecting the degree of uncertainty. At the same time the quality of information plays a more important role than the quantity of information. We analyzed every stage of the individual decisions making process on the acquisition of goods and the role of uncertainty on each stage. We considered the decision-making process in conditions of uncertainty in everyday (routine) and special purchases, separated all stages of these types of purchases and defined values ​​of uncertainty influence on all types of purchases. It was determined that an individual can get into conditions of uncertainty in two types of purchases: everyday purchase, when the decision is used quickly, automatically and uncontrollably, and special (not everyday purchases), when the individual uses specific processes to make a decision, which requires additional attention and effort. Practical situations when the consumer can get into conditions of uncertainty were considered. We analyzed alternative variants of using the consumer choice and investigated the continuum of consumer behavior. We determined the conditions, when consumer behavior could correspond to «routine behavior», «limited problem solving» or « problem solving» in the continuum of consumer behavior. The modern six-stage model of the decision-making process сщтішіеі the quality of character for environmentally conscious consumers and the impact of uncertainty at each stage of decision-making in these models, especially at the stage of use and utilization, were analyzed. We identified that the study of the degree of uncertainty about the final result of decision-making is an unsolved problem in modern science and outlined the prospects of the behavioral aspects of consumer choice study in conditions of uncertainty.
INCOME AND WEALTH: THEORIZATION OF ESSENCE AND ASYMMETRY OF DISTRIBUTION
Authors: Valigura Tetyana
Published: November 2020

The categories «income» and «wealth» are now at the center of the study of many social sciences and if «income» clearly tends to the field of scientific research of economists and financiers (but is not limited to them), «wealth», is a category in which researchers in the fields of sociology, psychology, philosophy and other sciences are no less interested. The interest of a wide range of sciences in the essence of the studied categories reflects social changes taking place in the world in general and in Ukraine in particular. Thus, according to Credit Suisse, the lower half of wealth owners in mid-2019 owned less than 1% of total world wealth, while the richest 10% owned 82% of world wealth, and the richest 1% of owners – 45%. The purpose of the study is to substantiate the essence of the categories «income» and «wealth» and to form a theoretical basis for the asymmetries of their distribution. The article considers the theoretical essence of the categories «income» and «wealth» and reveals the differences between them. The definition of these categories in the reference literature is analyzed, the key features that characterize them are identified and the definition of the categories «income» and «wealth» in accordance with the given features is formulated and substantiated. A graphical interpretation of the asymmetries of the distribution of income and wealth of the population, corporate income and national income and wealth is given. The study showed that the key differences between the categories of «income» and «wealth» is that wealth can take both tangible and intangible expression, and income is only valuable. At the same time, wealth involves owning a large number of goods. By influencing the subject, income improves his material condition, and wealth arises from the assertion of tangible or intangible goods as such in the human mind.
ACTIVITIES OF INSURANCE COMPANIES IN UKRAINE UNDER THE INFLUENCE OF REGULATORY REFORM
Authors: Verheliuk Yuliia , Vereshchaka Bohdana
Published: November 2020

The article provides a critical review of the principles of regulating the activities of insurance companies in Ukraine, taking into account the latest legislative and regulatory changes. Emphasis is placed on the importance of studying the impact of regulatory measures on the performance of insurance companies. The insurance companies effectiveness dependence on the regulatory measures effectiveness is emphasized. The analysis of separate indicators of insurance companies activity against the same indicators of other subjects of the financial market and world tendencies is carried out, in particular: number of insurance companies in Ukraine against other subjects of the non-bank financial institutions market; assets of insurance companies in Ukraine against the background of assets of non-banking financial institutions; the level of insurance penetration in Ukraine against the background of global data; the level of gross and net insurance payments in Ukraine against the same background of Poland; ROA indicator of insurance companies of Ukraine and Poland. The identified trends are assessed. The reasons for the identified problems and negative trends in the dynamics of selected indicators in the context of the impact of regulatory measures on them are explained. Conclusions are made about the need for conceptual changes in the processes of regulating the activities of insurance companies using a stricter system of state regulation, which will bring the domestic market to a new qualitative and quantitative level. The study was carried out on the border of the time range of the regulatory model change – 2017-2020, which necessitates further research in this area and comparison of the set indicators before and after the change of the regulatory model of the insurance market in Ukraine.
TAX POLICY OF UKRAINE IN CONDITIONS OF ECONOMIC INSTABILITY: ANALYTICAL REVIEW
Authors: Solomka Yana , Tydir Natalia
Published: November 2020

The article examines the main results of the tax policy of Ukraine in 2017-2019. The methodological basis of the study are the fundamental postulates of the liberal theory of effective tax policy, formulated by the famous economists A. Smith, A. Wagner and A. Laffer. The article uses general scientific research methods, in particular, analysis and synthesis, induction and deduction, the unity of the historical and the logical, statistical methods, generalization. The purpose of the article is to find out the state of modern tax policy in Ukraine and further prospects for its development. The tax revenues to the state budgets of different levels are analyzed; their economic importance for the country’s economy is substantiated. It was found that tax revenues make up the largest share (80%) of all state budget revenues and all local budget revenues (61%). The calculation of the coefficient of elasticity of tax revenues in relation to the selected indicators showed that a strong impact on the total amount of tax revenues to the consolidated budget of Ukraine has a change in household incomes and sales of industrial products.The coefficient of efficiency of using tax benefits in Ukraine has been determined. It has been proven that tax incentives are used most effectively in financial and insurance activities, construction, industry, and ineffectively in education and health care. This indicates the advisability of reducing the number and size of tax incentives in these areas.The directions of improving the tax policy of Ukraine are proposed. Among the most important are: socialization of taxes, tax incentives for innovative development and investment climate; introduction of differentiated rates of personal income tax; implementation of the principle of social justice of taxation; the introduction of differentiated rates of the environmental tax depending on the discharge of pollutants in a specific region of the country; an increase in trade quotas for the export of goods to EU countries etc. The research results can be used by the state tax authorities of Ukraine. The novelty of the study lies in the analysis of the effectiveness of the tax policy of Ukraine from the standpoint of its impact on socio-economic development in 2017-2019 based on the author’s research methodology.
ENVIRONMENT EFFECT IN SELF-REGULATED LEARNING
Authors: Saragih Fernando
Published: November 2020

This study aims at finding and analyzing the influence of parenting style and peer group toward the self regulated learning. These goals are considerably based on the lack of student learning independence occurred during the learning process at school. The theory used in this research is the social cognitive of self regulation. This theory explains that the learning independence is formed by individual, behavior, and the environment.  This is a quantitative research using an explanatory survey method with the questionnaires as the technique of data collection. They consisted of 32 statements which had been evaluated and were valid and reliable to be tested on the respondents. The simple random sampling was applied in order to choose 120 high school students in Purwakarta. All the data were then analyzed by applying the multiple regressions using SPSS. The result of this research shows that there is a positive and a significant effect between the parenting parents and peer group toward the student learning independence. Therefore, parents should adjust the parenting model to the children’s condition as well as implement the values and the basic principles in addition, the role of peer groups is also needed to develop basic values and provide motivation to become more independent figures.Keywords: self regulated learning, Character building, parenting style, peer group, social interactions
Quantifying the Orbital Contribution in the “Spodium Bond” via Natural Orbital for Chemical Valence-Charge Displacement Analysis
Authors: Ciancaleoni Gianluca , Rocchigiani Luca
Published: November 2020

The term “spodium bond” (SpB) has been recently proposed for the non-coordinative interaction between a polarised group 12 metal and a mild Lewis base. In most of the systems showing short metal-donor distances, however, SpB coexists with other weak interactions, including hydrogen and halogen bonding. Here we show their mutual importance can be probed by dissecting the orbital component of the interaction through the Natural Orbital for Chemical Valence-Charge Displacement analysis. NOCV-CD gives us straightforward snapshots of relative energies and electrons involved, either for model and “real” adducts, allowing us to demonstrate the lack of a direct correlation between a favourable metal-base distance and the presence of an orbital contribution for the SpB.
ТЕОРИЯ ТЕХНОЛОГИЧЕСКОГО РАЗВИТИЯ ЭКОНОМИКИ: ЗАКОНОМЕРНОСТИ И ТЕНДЕНЦИИ
Authors: Зоидов Кобилжон Ходжиевич , Соколова Любовь Владимировна , Урунов Асрор Алижонович , Янкаускас Константинас Стасисович
Published: November 2020

В статье рассматриваются две значимые проблемы, определившие цель данного исследования и связанные с формированием теории технологического развития: дефиниции категории и методология исследования, основанная на междисциплинарном подходе. При наличии значительного отечественного и зарубежного опыта в отношении теории технологического развития до сих пор присутствуют некоторые трудности в раскрытии факторов и закономерностей этого явления. Эти трудности обусловлены в определенной степени его сложностью, противоречивостью, во многом неопределенностью и многоаспектностью проявления. Исследование основывается на гипотезе о необходимости концептуального подхода к теории технологического развития, учитывающего принципиально новый этап в развитии современного общества на основе экономики высокотехнологического уровня с ее цифровизацией, созданием и применением искусственного интеллекта. В исследовании использованы методы системного анализа, эволюционно-институциональной теории, эконометрического моделирования и исторического подхода. Определяются основные закономерности, факторы, тенденции и проблемы в области технологических процессов и обосновываются основные теоретические постулаты и методологические подходы. Логическая схема проведения исследования в области становления новой теории технологического развития экономики предусматривала, во-первых, раскрытие сущности и содержания теории технологического развития экономики; во-вторых, оценку факторов, влияющих на изменение закономерностей и тенденций в этой области; в-третьих, обоснование методологических подходов к выявлению воздействия технологий на экономику; в-четвертых, определение технологической среды и инновационного пространства с выявлением основных проблем; в-пятых, обоснование системной модели развития современной экономики. Выявленные закономерности, противоречия и тенденции могут быть использованы в процессах разработки и реализации государственной технологической и инновационной политики в России с целью обеспечения устойчивого развитии страны на долгосрочную перспективу.
АНАЛИЗ ЭФФЕКТИВНОСТИ ВАЛЮТНЫХ ОПЕРАЦИЙ КОММЕРЧЕСКИХ БАНКОВ
Authors: Умарова Зарема Мирзевна , Исаева Патимат Гаджиевна
Published: November 2020

Целью работы является анализ состояния валютного рынка России в целом, а также определение эффективности проводимых российскими коммерческими банками валютных операций. Аналитическая часть составлена на основе использования статистических данных, характеризующих состояние валютного рынка. Методы. В процессе исследования были использованы следующие методы: анализ, синтез, метод классификации. Результаты. В статье рассмотрена эффективность валютных операций, совершаемых коммерческими банками, проведен анализ их доходности. Также определена деятельность кредитных организаций в целом на валютном рынке. Приведены основные способы управления валютными рисками, используемые кредитными организациями. Отмечены основные сложности, с которыми сталкиваются коммерческие банки при проведении валютных операций. Сделан вывод о целесообразности прибегать к комбинации нескольких методов и инструментов снижения валютного риска. Область применения результатов. Результаты приведенного исследования могу быть использованы при прогнозировании и анализе развития валютного рынка РФ, а также при оценке эффективности валютных операций, проводимых российскими коммерческими банками. Выводы. В результате проведенного анализа была выявлена отрицательная динамика в целом на валютном рынке России, которая в последние годы после укрепления курса рубля все же переходит в положительную. Оценка эффективности валютных операций коммерческих банков на примере одного из крупнейших банков России — Банка ВТБ показала, что динамика доходов от проведения валютных операций неустойчивая.
НАЛОГОВАЯ СИСТЕМА РФ: ЭТАПЫ ФОРМИРОВАНИЯ И ОСОБЕННОСТИ СОВРЕМЕННОГО СОСТОЯНИЯ
Authors: Алиев Гамид Хабибович , Кадыров Асхаб Салманович
Published: November 2020

Цель. В статье рассмотрена налоговая система России, ее этапы становления и развития. Проанализирована доходная часть консолидированного бюджета Российской Федерации и рассмотрена его структура. Метод. Анализ налоговых доходов по консолидированному бюджету РФ. Выявление основных налогов, формирующих доходы бюджета России. Также рассмотрена динамика налоговых поступлений Республики Дагестан. Исследование базировалось на методах эмпирического исследования. Имели место быть методы статистического анализа и экспертных оценок. Результаты. В результате исследования выделены основные этапы становления налоговой системы в стране. Проанализированы доходы бюджета России за 2017 год, которые, в свою очередь, позволили выявить основные проблемы формирования и развития налоговой системы. Область применения результатов. Результаты проведенного исследования могут быть использованы при прогнозировании налоговых поступлений уровней налоговой системы. Выводы. Налоговая система в стране еще не полностью сформирована и все время совершенствуется. Анализ современного состояния налоговой системы в РФ показал, что налоговые доходы по стране поступают неравномерно. На региональном уровне существуют проблемы поступления по налогам. Для решения данных проблем государство проводит мероприятия укрепления и повышения устойчивости налоговой системы.
В ПОИСКАХ ЭФФЕКТИВНЫХ ИНСТРУМЕНТОВ СТИМУЛИРОВАНИЯ ЭКОНОМИЧЕСКОЙ АКТИВНОСТИ В СИТУАЦИИ ЛИКВИДНОЙ ЛОВУШКИ ИЛИ НИЗКИХ ПРОЦЕНТНЫХ СТАВОК
Authors: Польщикова Юлия Александровна
Published: November 2020

Цель работы. В настоящей работе изучается феномен ликвидной ловушки, реальность её возникновения, а также рассматриваются фискальные меры, которые при существующих ограничениях монетарной политики могут оказаться более гибкими и эффективными. Метод или методология проведения работы. Проведен статистический анализ по основным макроэкономическим показателям выбранных стран, а также анализ литературы. Результаты. Наличие факторов, свидетельствующих о замедлении темпов роста мировой экономики наряду с наблюдающейся тенденцией снижения процентных ставок Центральными банками многих стран ставится на повестку дня вопрос об инструментах стимулирования экономики и предотвращении надвигающейся рецессии. Низкие процентные ставки создают ограничения в проведении стимулирующей монетарной политики, а также предпосылки к возникновению ликвидной ловушки. Основной вывод, к которому удалось прийти в ходе аналитического обзора, заключается в том, что наиболее эффективным способом стимулирования потребительской и инвестиционной активности, увеличения инфляции и темпов роста ВВП в условиях низких процентных ставок может быть увеличение государственных расходов и/или сокращение налогов с продаж, предоставление инвестиционных кредитов. При этом важно понимать, что несмотря на существующие ограничения монетарной политики при низких процентных ставках, её роль является первостепенной в формировании у населения ожиданий относительно разгона инфляции и поддержания ставок на таком же низком уровне, а также необходимой для комплексной эффективности применяемых мер. Область применения результатов. Результаты проведенного исследования могут быть рассмотрены в качестве рекомендаций в проведении фискальной и монетарной политики в условиях низких процентных ставок. Выводы. Делается вывод о необходимости комплексного изучения проводимых мер для достижения наиболее эффективных результатов и сокращения времени преодоления ограничений, вызванных низкими процентными ставками.
АНАЛИЗ ДОХОДОВ МЕСТНЫХ БЮДЖЕТОВ И РЕЗЕРВЫ ИХ УВЕЛИЧЕНИЯ В СОВРЕМЕННЫХ УСЛОВИЯХ
Authors: Рабаданова Джамиля Аминуллаевна , Нурмагомедова Луиза Ахмедулаевна
Published: November 2020

Целью работы является осуществление анализа доходов местных бюджетов и определение резервов их увеличения в современных условиях. В процессе исследования были использованы следующие методы: метод классификации, анализ, синтез. Результаты. В статье рассмотрены доходы местных бюджетов, проведен их анализ, а также определены резервы увеличения доходов в современных условиях. Область применения результатов. Результаты приведенной статьи могут быть использованы при осуществлении оценки доходов местных бюджетов и определении возможных способов их увеличения. Выводы. Проведенный анализ доходов местных бюджетов показал, что, несмотря на наметившиеся благоприятные тенденции в сфере увеличения собственных доходов местных бюджетов, в современных условиях сохраняется высокая степень дотационности местных бюджетов, что не способствует в должной мере реализации программ социального-экономического развития муниципалитетов. Меры, предложенные автором, по увеличению резервов роста собственных доходов муниципалитетов позволят повысить финансовую самостоятельность муниципальных образований и укрепить их финансовую базу с целью реализации качественного выполнения расходных обязательств и предоставления государственных услуг, направленных на улучшение социальных и экономических условий муниципального хозяйства.