bluuebunny/crossref_metadata_2025 huggingface dataset:
Experiential Learning in English Language Teaching: A study
Authors: G.Pushpalatha
Published: November 2022

In experiential learning, the importance of experience is recognized. The essential function of the learning process is that of the student's experience in experiential learning. Learning by doing, doing one's own thing, and discovering new things are all terms used to describe the process of learning via experience. Experiential learning is both a concept and a practice that encourages teachers to actively engage students in hands-on learning experiences and introspective thinking to improve students'
knowledge, skills, and moral values. “An important foundation of English language instruction is based on the idea that students learn best when they work together on a topic or assignment” (Knutson, 2003). It is also significant for teachers to employ experiential learning in their English classes to combine the four language skills into real-world contexts. “In contrast to just hearing about and reading about a subject, experiential learning emphasizes first-hand contact with the material being
studied. A physical component is also required for the phenomenon to be fully understood” (Brown, p.291). As Brown said, experiential learning places an emphasis on the psychomotor components of language acquisition by engaging children in physical tasks where the language is submerged and reinforced. As a result of action, learners are encouraged to use a variety of abilities.
BLACK FUNGUS DETECTIONUSING MACHINE LEARNING
Authors: P.Sri Lakshmi Durga  , M . Kalidas
Published: November 2022

Fungus is extremely disreputable and dangerous for human health and cause various life- threatening diseasesto humans. Thousands of different fungusspecies exist in the world and sporesalways present in environment. Its sign and symptom are non-specific. Mucormycosis also knownas black fungus is a fungal infection that causes discoloration over nose and eye, blurred or doublevision, chest pain, breathing difficulties, fever and cough.The main aim of this project is to analyse and predict the infection probability based on the black fungus images with help of fungus detection system and algorithms to automatically detects fungus using machine learning techniques. we are using in project
CNN algorithm.The dataset used is raw data based on the pulmonary Mucormycosis symptoms.
RBP: a website fingerprinting obfuscation method against intelligent fingerprintingattacks
Authors: Thipparthi Upendra Chari  , B Srinivasa S P Kumar
Published: November 2022

A significant danger to website privacy and web security is posed by website fingerprinting (WF), a passive traffic analysis attack. It gathers the network packets created when a user accesses a website and then employs a number of approaches to identify patterns in the network packets that can be used to determine the kind of website the user is accessing. Numerous anonymous networks, like Tor, can
satisfy the need to conceal identify from users while participating in network activities, but they are also vulnerable to WF assaults. In this research, we present Random Bidirectional Padding, a website fingerprinting obfuscation technique against sophisticated fingerprinting techniques (RBP). It is a cutting-edge website fingerprinting defence technology built on time sampling and random bidirectional packet padding that can change real packet distribution to destroy Inter-Arrival Time (IAT) features in the traffic sequence and increase the difference between datasets with random bidirectional virtual packet padding. We test the efficiency of thedefence against cutting-edge website fingerprinting attacks in actual circumstances.
Perfil Farmacoterapêutico de Pacientes Hipertensos e a Influência da Atenção Farmacêutica na Adesão ao Tratamento no Brasil
Authors: Siqueira Santos da Silva Bruna , Beatriz Cristina De Melo Oliveira  , João Vitor Faustino Correa  , Thayana Fontes Sequeira  , Gustavo José Pereira Vasco
Published: November 2022

A hipertensão arterial é uma disfunção crônica considerada pela Organização Mundial da Saúde (OMS) como um problema de saúde pública devido à sua característica silenciosa e letal quando não tratada adequadamente. No Brasil, sua alta prevalência é justificada pela falta de adesão aos tratamentos existentes. Sendo assim, este estudo foi realizado a partir de uma revisão bibliográfica com o objetivo de traçar os perfis farmacoterapêuticos mais utilizados pela população, entender os principais problemas que geraram a não adesão à terapia e demonstrar a influência do farmacêutico na melhora do tratamento. Foi observado que, inicialmente, pacientes fazem uso de monoterapia com bloqueadores dos receptores de angiotensina (BRA) ou inibidores da enzima conversora de angiotensina (ECA), porém a maioria posteriormente necessita de uma associação medicamentosa para atingir as metas terapêuticas. A necessidade de uma terapia com mais de um fármaco é um dos principais motivos paro o abandono do tratamento e à baixa adesão, além disso observou-se a presença de problemas relacionados ao medicamento (PRM) e falta de conhecimento sobre a terapia recomendada e seu estado de saúde atual. Em relação à ação do farmacêutico, foi visto que sua presença no processo assistencial do tratamento gerou melhora significativa no controle dos níveis pressóricos, a partir da identificação e resolução de adversidades que levavam à não adesão à terapia anti-hipertensiva.
Utilização de anticorpos monoclonais na terapia contra a COVID-19
Authors: Santana Diogo Campos , Maciel Mayara de Castro , Nakao Lilian Hikaru , Dos Santos Deny Anderson
Published: November 2022

O SARS-Cov-2 é um vírus envelopado de fita simples e RNA positivo do gênero Betacoronavírus. Com o surgimento da covid-19 no final de 2019 e seu rápido avanço dando início a uma pandemia, pesquisadores do mundo todo empenharam-se no desenvolvimento de métodos profiláticos e terapêuticos para combater a doença. Até agosto de 2022 já havia mais de 500 milhões casos positivos e mais de 6 milhões de óbitos registrados no mundo. As vacinas, como principal método de contenção de sintomas moderados a graves da doença, tiveram um papel fundamental para o controle da pandemia, diminuindo os casos de hospitalizações e óbitos.  Apesar de inúmeros estudos desenvolvidos nos últimos dois anos e utilização de medicamentos depois comprovados ineficazes (como a hidroxicloroquina e ivermectina), não há a existência de uma terapia eficaz e exata contra o vírus, fazendo com que o desenvolvimento de ferramentas biotecnológicas para um tratamento específico e eficiente seja muito aguardado. Dentre as principais moléculas terapêuticas estão os  anticorpos monoclonais (MAbs) que são produtos biofarmacêuticos provenientes de hibridomas cuja função é desempenhar um efeito específico e ponderado sobre um determinado alvo. Atualmente há estudos para MAbs que possuem como alvo a proteína spike, o receptor da enzima conversora de angiotensina 2 (ACE2), IL-6, CD6 IgG1, GM-CSF, IL-1, CD147, TNF-alfa e para uso profilático. Apesar de promissora, é uma terapia que possui alguns obstáculos por ser trabalhosa e cara.
Konsep Ta’awun dalam Al-Qur’an Sebagai Penguat Tauhid dan Solidaritas Sosial
Authors: Saputra Teguh
Published: November 2022

Penelitian ini bertujuan untuk menumbuhkan pribadi yang taat kepada Allah dan pribadi yang peduli kepada sesama manusia. Penelitian ini menggunakan metode kualitatif, jenis studi pustaka, sumber data yang berasal dari ayat al-Qur’an tentang ta’awun, teknik pengumpulan data berupa dokumen dan teknis analisis data dengan menggunakan tujuh langkah metodologi kajian tafsir mawdlu’iy al-farmawi. Hasil dan pembahasan penelitian ini adalah kata ta’awun beserta derivasinya disebutkan sebanyak 12 kali dalam al-Qur’an, yaitu dalam surah al-Fatihah: 5,  surah al-Baqarah: 45, 68 dan 153, surah Maidah: 2 disebutkan sebanyak 2 kali, surah al-A’raf: 128, surah Yusuf: 18, surah al-Kahfi: 95, surah al-Anbiya: 112, surah al-Furqan: 4, dan surah al-Ma’un: 7 serta konsep ta’awun dalam al-Qur’an terbagi menjadi dua, yaitu meminta pertolongan kepada Allah Swt dan tolong menolong sesama manusia di jalan Allah Swt. Penelitian ini menyimpulkan cara terbaik meminta pertolongan adalah meminta pertolongan kepada Allah Swt (tauhid) dengan shalat dan sabar kemudian Allah Swt juga memerintahkan untuk tolong-menolong dalam kebaikan dan takwa (solidaritas sosial).
Pemerintahan di Kabupaten Gorontalo Perspektif Nilai Kekhalifahan dalam al-Qur’an
Authors: Daud Ilyas
Published: November 2022

Latar belakang dari penelitian ini adalah melihat pemerintahan di Kabupaten Gorontalo sebagai daerah yang mempertahankan adat berbasis pada al-Qur’an atau kitabullah, untuk itu tulisan ini bertujuan untuk menjelaskan bagaimana pemerintahan di kabupaten Gorontalo dalam perspektif nilai kekhalifahan dalam ajaran al-Qur’an. Hasil penelitian menunjukkan, berdasarkan nilai kekhalifahan dalam al-Qur’an, Pemerintahan di kabupaten Gorontalo telihat sudah sesuai atau sejalan dengan nilai-nilai tersebut. Misalnya kepedulian pada pelestarian lingkungan, Demikian juga dalam sektor pertanian, peningkatan lahan pertanian, memperkuat keamaanan wilayah, memperhatikan sektor-sektor perdagangan, memperhatikan sektor Pendidikan, menjadikan Limboto sebagai ibu kota kabupaten menjadi daerah Madinatul Ilmi (Kota Ilmu), dan memperbaiki fasilitas Pendidikan, Hal-hal tersebut di atas merupakan bentuk realisasi akan pembumian nilai-nilai kekhalifahan dalam al-Qur’an. Kebijakan Pemda Kabupaten Gorontalo dalam perspektif nilai Kekhalifahan dalam al-Qur’an merupakan upaya mengungkapkan bagaimana penghayatan pemda terhadap ajaran al-Qur’an yang termanifestasikan dalam instrumen falsafat adat Gorontalo yaitu adat bersendi syara’ dan syara’ bersendi kitabullah. Al-Qur’an sebagai teks di satu sisi dan praktik sosial Pemda Kabupaten Gorontalo di sisi lain merupakan proses dialektis dan bukti bahwa praktek sosial dapat diproduksi oleh pemahaman atas nilai-nilai al-Qur’an. Hal ini juga sekaligus menguatkan realitas bahwa teks tidak hanya dibentuk oleh realitas, tetapi teks juga dapat membentuk realitas.
Pelaksanaan Penilaian Ranah Kognitif pada Mata Pelajaran Pendidikan Agama Islam di SMK Negeri 1 Mandau
Authors: Yanti Nova , Ikbal Muhammad , Siskawati Zulfia
Published: November 2022

Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif. Partisipan dalam penelitan ini adalah Guru Pendidikan Agama Islam di SMK Negeri 1 Mandau sebanyak 5 guru. Penelitian ini bertujuan untuk mengetahui pelaksanaan penilaian ranah kognitif guru, faktor pendukung dan faktor penghambat pada guru dalam melaksanakan penilaian ranah kognitif pada pembelajaran Pendidikan Agama Islam di SMK Negeri 1 Mandau. Untuk mendapatkan data tersebut diperlukan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi. Hasil penelitian yaitu penilaian kognitif di SMK Negeri 1 Mandau sudah sesuai dengan konsep yang dimana guru membuat soal berdasarkan tingkat – tingkat taksonomi Bloom, dan dimulai dari soal yang rendah, sedang dan tinggi. Pelaksanaan penilaian kognitif tidak mempengaruhi waktu dalam pembelajaran. Penilaian kognitif sangat penting dalam pembelajaran guna untuk melihat sejauh mana peserta didik dapat memahami materi yang telah dipahaminya. Dalam melaksanakan pembelajaran Pendidikan Agama Islam, faktor pendukung Guru Pendidikan Agama Islam dalam melakukan penilaian adalah a) Siswa/i mempunyai semangat untuk belajar, b) Tersedianya fasilitas buku dan internet. Dan Dalam melaksanakan pembelajaran Pendidikan Agama Islam, faktor penghambat Guru Pendidikan Agama Islam dalam melakukan penilaian adalah keterbatasan waktu.
Menyingkap Kurikulum Pendidikan Islam Berbasis Program Islam Wasathiyah
Authors: Mayasari Siregar Lina , Harahap Musaddad , Saleh Dalimunthe Irwan
Published: November 2022

Pada dasarnya kajian ini dilandasi oleh kegelisahan akademis terkait dengan diskursus program Islam washatiyah dan relevansinya dalam kurikulum pendidikan Islam. Untuk itu dipandang penting untuk mengurai bagaimana sebetulnya esensi dari kurikulum pendidikan Islam yang berbasis Islam wasathiyah tersebut. Bila ditelaah secara sederhana kurikulum itu sendiri disebut sebagai aktivitas pembelajaran yang didasarkan atas rencana-rencana matang dan tersusun secara progremik serta diimplementasikan dalam pengawasan satuan pendidikan, baik di lingkungan sekolah maupun di luar sekolah. Posisi kurikulum sangat vital dalam pendidikan. Dalam Islam mesikpun kurikulum pendidikan telah disusun dengan baik, tapi kalau hanya mementingkan hal-hal yang bersifat kognitif, tentu tidak akan sampai kepada tujuan hakiki pendidikan Islam sendiri. Untuk itu penting ada penyelarasan kurikulum dengan upaya menginternalisasikan nilai-nilai di dalamnya, salah satu nilai tersebut adalah nilai-niliai moderasi beragama (Islam wasathiyah). Adapun Islam washatiyah merupakan sebuah karakter yang diperoleh seorang muslim sebagai buah dari komitmennya terhadap ajaran agama Islam itu sendiri. Mengimplementasikan nilai-nilai program Islam wasathiyah dalam kurikulum atau pembelajaran bukan hanya formalitas saja, tetapi harus sampai kepada perilaku aktual. Perilaku aktual yang berbais Islam wasathiyah inilah kemudian yang mampu menciptakan stabilitas kehidupan antar sesama, walaupun terdapat perbedaan, tetapi persamaan tetap menjadi dasar yang paling utama. Di antara perilaku Islam wasathiyah itu adalah tawassuth (mengambil jalan tengah), tawazun (berkeseimbangan), i'tidal (lurus dan tegas), tasamuh (toleransi), musawah (Egaliter), dan syura (musyawarah).
A Hybrid Model for Brain Tumor Detection Using EfficientNet and Fuzzy C Means Clustering Algorithm
Authors: Lavanya Dr.G. , Vinoci K.L. , Samvardani D. , Subiksa V.
Published: November 2022

This paper describes the detection of brain tumors from Magnetic Resonance Images (MRI) using the deep learning EfficientNet model and the Fuzzy C means algorithm. The earlier detection of brain tumors can reduce the risk of death. Deep Learning is a highly adoptable technique for the detection of brain tumors at an early stage. It potentially lowers the fatality rate rather than machine learning as it allows the processing of large amounts of data to be more accurate in medical diagnosis. The existing EfficientNet model did not include a segmentation algorithm which is required for model training because it provides a clear image of the training model that is deployed in the EfficientNet model. It was reviewed that the Fuzzy C Means clustering algorithm is the best used for segmentation along with the enhancement of the existing EfficientNet model. This proposed system uses a transfer learning approach for training the model which was evaluated that led to an accuracy of 99.68%. The integrated Fuzzy C Means and EfficientNet model have been tested with various MRI images, and it outperforms the existing EfficientNet models in terms of accuracy.
Performance Analysis of Spatio-temporal Human Detected Keyframe Extraction
Authors: Priscilla C. Victoria , Rajeshwari D.
Published: November 2022

Closed circuit television (CCTV) surveillance for detecting the humans involves an expanded research analysis especially for crime scene detection due to various restraints such as crowded annotation, night footages, and rainy (noisy) clips. The main visualization of the crime scene is to recognize the person in particular obtained in all frames is a challenging task. For this occurrence, Content-Based Video Retrieval (CBVR) method refines the collection of these video frames resulting keyframes to reduce the burden of huge storage. Here, Spatio-Temporal classifiers method as an added advantage with frame differencing and edge detection method reports the human detected keyframes without the termination of background regions in order to negotiate the crime scene more efficiently. The main objective of this paper is to analyze the obtained keyframes with Human detection pointing a distinctive between Spatio-Temporal HOG-SVM and HAAR-like classifier to survey the optimum. Finally, the resulting keyframes mutated with the canny edge detection method by HOG-SVM sequel with greater accuracy level of 98.21% compared to HAAR-like classifier.
Awareness and Factors Prevents Choosing of Exclusive Women Insurance Policies
Authors: Jawaharrani Dr.K. , Lekshmi Dr.R.S. , Vasantha Dr.S.
Published: November 2022

Women currently make up a sizable portion of the active workforce across all sectors; therefore it only makes sense that they would represent a sizable potential market for all insurers. The financial independence of women and their loved ones is benefited by the many insurance companies' women-focused programmes. Women possess a lot of obligations when they are single parents and are responsible for a multiple tasks. Therefore, the importance of protecting their finances becomes even more crucial for them. In this situation, insurance is quite important. The objective of this study is to study the participants' level of awareness, association and to find the number of policies taken by the participants and the factors that prevents choosing of exclusive women insurance policies. This study employs a quantitative research methodology using Chennai residents as its target audience and data is collected from 118 respondents. The statistical techniques used for analyzing the data are Percentage, Cross Table, One-way ANOVA, Independent t-Test, and Chi-square. The findings shows that the respondents have less knowledge about exclusive women's insurance policies.
Stock Price Reaction and Market Efficiency on Budget Announcement During Covid Periods: An Empirical Analysis of Indian Stock Market
Authors: Prema K. , Periasamy Dr.M.N.
Published: November 2022

This study empirically analysed the stock price reaction and the efficiency of Indian stock market of the Nifty 50 index around the budget announcements during covid periods from 2020 to 2022 by applying event study methodology. The market efficiency was tested by employing 61 days event study window including 30 days before and 30 days after the announcement date, and the event date of the budget, while the estimation window period comprises of 120 days of the pre-event period. The market model is employed to demonstrate abnormal returns near the event date and to assist in estimating expected returns. Abnormal returns, Average abnormal returns, Cumulative average abnormal returns, and t-tests were applied for analysing the market efficiency on Indian budget announcements. This research paper reveals that the efficiency level of the Indian stock market is high and the investors can not make an abnormal profit over the budget announcements during Covid periods.
Using Case Teaching Methods Via Case Study - Factors Influencing Fdi Capital in Vietnam
Authors: An Dinh Nguyen , Yen Ly Lan
Published: November 2022

Vietnam has experiences in using case study in teaching economic students at universities and colleges. In scientific language, there are many advantages of case teaching and including in case, the brightest, most prominent information such as: Results and Positive figures. For example in this paper we introduce a case of fast achievements in which Foreign Direct Investment (FDi capital) plays supporting roles for economic growth and social development. One of this case study’s purposes is to state What are effects of 5 macro variables on FDI and implications for policies. By using combination of quantitative methods and qualitative methods, our research results tell that : CPI, exchange rate and FDI have negative correlation whereas Trade balance, VNIndex and FDI have positive relation. So we would suggest government agencies, Ministry of Finance that: first, consider to reduce exchange rate ; second, consider to increase trade balance and VnIndex.
Grassroots Democracy and Local Governance Issues: Perspective from Rural India
Authors: Faheem Dr. Mohd
Published: November 2022

India is a country of vast villages where two-third of population of India resides. India is a largest, vibrant and functional democracy. The local self-government system of Panchayati Raj was introduced in the constitution of India through the 73rd Amendment in which the village life extensively runs in a democratic way through the decentralization approach. This 73rd Constitutional Amendment Act brings out a vital change in rural life holistically for the objective of ‘Empowering People for Prosperity’. India has nearly 3.1 million elected members through more than 250,000 local government units. Local government authorities have the authority to create development plans for the areas, with the aim of fostering social justice and local economic development. The implementation challenges of policies and programs before the local government and the also the role of local elites, politically powerful groups, bureaucratic society and private enterprises to become for providing good governance for the development of rural areas. By using the secondary based data to find out the local government system and governance in India. This paper reveals forward states provide good governance through the local government in the core areas of development with execution of plans in rural India and on the other hand, backward states are lack in governance due to nature the corruption laden politics exist in that states. This study sums up with the significance of grassroots democracy and its role in the development of rural India and at the same time to highlights the hurdle in the governance ecosystem of local governments in rural India.
An Analysis of Factors Influencing the Adoption of Internet Banking in Mauritius
Authors:   Lecturer, University of Technology, Mauritius, Dudley Tse Kai Wai
Published: November 2022

The advent of ICT has transformed industries around the world. The benefits resulting in better quality service, speedier services, cost reduction, business process re-engineering, more valued employments, among others are well-documented. However, adoption of ICT comes with its own risks and criticisms like potential loss of privacy, security of data, issues around trust, and so on. Notwithstanding the potential downsides of ICT adoption, these technologies are the realities of the present and certainly of the future. The question is no longer whether or not to adopt ICT but on how to deploy it for the survival and growth, for profits and profitability, for competitiveness. The Banking and Financial Services Sector has been one of the sectors whereby ICT has been most adopted. The option not to adopt ICT in the banking and financial services sector would in fact tantamount to death of the organization. Internet Banking (IB) has gained increasing popularity around the world as online services are perceived as being more attractive than those provided by traditional banking channels. This paper briefly reviews the literature in the area of internet banking and the issues surrounding its adoption and non-adoption. It goes on to tests hypotheses to scientifically prove the factors enhancing the adoption or non-adoption of Internet Banking by citizens in Mauritius. Banks may be inspired by the findings to shape their future policies in increasing Internet Banking penetration.
Legal Protection of the Rights of Suspects in Criminal Case Investigation Process in Human Rights Perspective
Authors:   Master of Law, Universitas Diponegoro, Ratnasari Puspita
Published: November 2022

At each stage of the examination, especially during the examination at the investigation stage, the right to obtain legal assistance must be given to suspects, especially for those who are less able and for those who do not understand the law. As regulated in 54 UU No. 8 Tahun 1981 tentang KUHAP, it is stated that: In the interest of defense, the suspect/defendant has the right to obtain legal assistance from one or more legal advisers during the time and at each stage of examination, according to the procedures regulated in this law. It is clear that since the investigation stage the suspect has been allowed to enjoy or obtain his rights, one of which is the right to obtain legal assistance or legal counsel. Where in UU No. 18 Tahun 2003 pasal 22 ayat 1 that advocates are obliged to provide free legal aid to justice seekers who cannot afford it. This provides an understanding, where the suspect's rights are guarantees of human rights (HAM), with legal assistance or legal counsel helping to provide protection for the suspect in this case what the suspect's rights cannot be revoked or contested.
Preparation of Participatory Regional Legislation Programs, Fairly Inclusive Law Based on Good Regulatory Practices
Authors:   Master of Law, Universitas Diponegoro Jl. Imam Barjo N0. 1-3, Pleburan, Semarang, Cental Java, 50241, Khaqunnisa Fanny
Published: November 2022

The regional legislation program (prolegda) is a program of planning instruments for the formation of provincial or city/regency regulations that are planned in a planned, integrated, and systematic manner as well as a central point for regional management because they produce plans for legal products to develop the regions. The ideal prolegda preparation process must involve active public participation as a manifestation of the commitment to establish good governance. Unfortunately, regional regulations are often found that are not public capacity because the substance of the regulations prioritizes the interests of certain parties. Therefore, to develop a program that is fair to the public, public participation is obtained by using a model of the Parliamentary Support program and well Regulatory Practices (GRP). The basic concept of the Parliamentary Support Program is by mapping four participation models. The basis used in mapping the model is the choice of participation model according to the level of political development of a country. While GRP mapping a series of local regulations with the following lines: internal coordination of regulatory activities, regulatory impact assessment (RIA), and public consultation mechanisms to increase transparency.
Using ClassDojo to Enhance Online Interaction in English Learning at Lower Secondary Schools
Authors:   Faculty of Foreign Languages Education, Thai Nguyen University of Education, Viet Nam, Hong Minh Nguyen Thi
Published: November 2022

The purpose of the study is to use the ClassDojo application supplemented to conventional English class to enhance interaction in English learning at a lower secondary school in a northern city of Vietnam. Forty 7th graders in the academic year 2021-2022 were involved in the study as the participants and survey respondents. Two questionnaires were distributed to the students before and after the implementation of such a blended class to collect data on their interaction practices in their virtual classroom as well as their feedback on this mode of learning. The study results revealed that ClassDojo significantly enhances online interaction in English learning in terms of the learner-instructor, learner-learner, and learner-content interaction. The findings also indicated that students generally appreciate the integration of this classroom management application in English learning. Finally, some recommendations were provided upon the use of ClassDojo to improve interaction in English virtual classrooms.
Determinants of Non-Performing Assets of Indian Scheduled Commercial Banks: A Panel Data Analysis
Authors: Mukhopadhyay Debabrata
Published: November 2022

The gross NPA ratio of the Indian scheduled commercial banks is found to be cyclical in nature. It stood at 15.7% at the end of 1996-97 then it came down to 5.2% at the end of 2004-05. It came down further to 2.3% at the end of 2010-11 but thereafter steadily increased to 11.9% at the end of 2017-18. Based on the data for the period 2005-06 to 2017-18, this study has revealed, based on a panel regression, that rate of return on total investment of the borrowers, rate of growth of the economy, rate of growth of bank credit and average rate of interest charged by banks to the borrowers have persistent effect on the gross NPA ratio of banks. Priority sector lending, lending without security, investment in debt instruments of companies, business per employee and motivation of the employees of banks also affect gross NPA ratio of banks.
Exogenous Wage Decline, Utility Changes, Endogenous Fertility, and Human Capital Accumulation
Authors: Murata Kei
Published: November 2022

This paper analyzes the effects of wage decline by exogenous economic shock and individuals’ utility changes on fertility rate and human capital accumulation using an overlapping-generations model, which is mainly based on Groezen, Leers and Mejidam (2003) and Cardak (2004). Although Groezen, Leers and Mejidam (2003) consider childcare cost and child allowances in a model of a small open economy, they ignore educational expenditures and do not analyze human capital accumulation. Although Cardak (2004) considers human capital accumulation and assumes it is determined by governmental or parental expenditures on education and by parent’s human capital endowments, he ignores childcare cost and child allowances, and assumes population size is constant in each period. This study considers human capital accumulation in a model of a closed economy with endogenous fertility. We then consider the effects of declining wage rate on fertility rate, human capital accumulation, and economic growth when an individual’s preferences for his consumption change. This paper is motivated by declining birthrate by the cost burden of educational expenses and wage decline by the coronavirus (Covid-19) pandemic in Japan. We find that increased preference for consumption of individuals decreases the number of children (reduce fertility rate), constricts human capital accumulation, and surely impairs economic growth when wage rate declines by exogenous economic shock.
Foreign Direct Investment in Greece after the Exit from Memorandum
Authors: Bitzenis Aristidis
Published: November 2022

Foreign direct investment is considered one of the most favorable sources of private investment as it creates jobs, boosts production capacity, facilitates the access of local businesses to new international markets and thus allows the transfer of technology that can bring positive long-term results. According to the literature, many researchers converge on the fact that subsidiaries of transnational corporations operate more efficiently than domestic corporations, as they often have higher labor productivity, better skills, a greater emphasis on research and development, and more investments. The purpose of this paper is to examine foreign direct investment in Greece after the exit from memorandum. Although it is still relatively early, we are trying to investigate whether the exit from memorandum contributed to attracting foreign direct investment. The characteristics of these foreign direct investments are also examined.
Impact of Innovation on the Competitiveness of SMES in Mexico
Authors: Rodriguez-Villalobos Martha
Published: November 2022

The impact of innovation on the competitiveness of Small and medium-sized enterprises (SMEs) in Mexico is analyzed. The measurement of competitiveness is done by analyzing export activity, while the measurement of innovation is based on the frequency with which SMEs develop, adapt and generate technology for their own use or for subsequent sale and the frequency with which they register patents and trademarks. A logistic model is estimated considering structural characteristics, business strategy, innovation effort and innovation performance of firms with data from the survey ENAPROCE 2018. The results indicate that innovation has a positive effect on the competitiveness of SMEs in Mexico. If the firm adapts and modifies technology to achieve higher productivity, the probability that the firm is competitive is 0.0347% higher than firms that do not do so. The average total personnel employed, the years of operation and the percentage of foreign equity ownership are factors that have a positive effect on the probability that firms are competitive. In the factors that evaluate the innovation effort of SMEs, spending on research and development, spending on innovation, and investing in machinery and equipment are determinants for firms to increase their probability of being competitive.
Childcare Support Policies, Endogenous Fertility, and Human Capital Accumulation
Authors: Murata Kei
Published: November 2022

This paper analyzes the interaction among childcare support policies, endogenous fertility, and human capital accumulation using an overlapping-generations model, which is mainly based on Groezen, Leers and Mejidam (2003) and Cardak (2004). Although Groezen, Leers and Mejidam (2003) consider endogenous fertility and child allowances in a model of a small open economy, they ignore educational expenditures and do not analyze human capital accumulation. Although Cardak (2004) considers human capital accumulation and assumes it is determined by governmental or parental expenditures on education and by parent’s human capital endowments, he ignores child allowances and assumes population size is constant in each period. This study considers human capital accumulation in a model introduced childcare time with endogenous fertility and assumes that child allowances and childcare facilities are financed by income tax and childcare fee. We then consider two childcare support policies―raise child allowances or expand childcare facilities―and compare the effects of both policies on endogenous fertility and human capital accumulation.
Labial synechiae: a diagnostic conundrum
Authors: Kazmi Zehra , Zaidi Syed Zafar
Published: November 2022

The purpose of this study was to shed some light on labial synechiae, which is a common yet unfamiliar condition seen initially by the family physician and ultimately by the paediatric urologist. It is often diagnosed incorrectly, leading to undue anxiety and stress for the unsuspecting parents, and results in multiple unnecessary lab investigations, hence, putting a burden on the healthcare system in general.
After IRB approval, a retrospective chart review was performed over a period of 15 years (2007-2021), at The Indus Hospital, Karachi, Pakistan. The records of all female children who underwent examination under anaesthesia (EUA) for labial synechiae (n=29) were included in the study. Our results indicate that the primary healthcare physicians were unable to recognise labial adhesions at the time of initial presentation.
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Pengaruh Faktor Makroekonomi terhadap Profitabilitas BUS: Studi pada Bank Umum Syariah di Indonesia yang Terdaftar Dalam OJK Periode 2018-2020
Authors: Maharani Emylia Dwi , Budiman Ahmad
Published: November 2022

The purpose of this study is to determine the impact of inflation, exchange rates, and Gross Domestic Product (GDP) on the profitability of Islamic banking which in this study uses the ratio of Return on Assets (ROA) and Return on Equity (ROE). The object of research is 11 Islamic Commercial Banks that publish their financial reports to the Otoritas Jasa Keuangan for the period 2018-2020. The data used include quarterly statistics compiled from the websites of Bank Indonesia, the Badan Pusat Statistik, and Otoritas Jasa Keuangan from 2018 to 2020. The research was conducted using a quantitative methodology. After testing, it was found that inflation, exchange rate, and GDP simultaneously did not have a significant effect on ROA and ROE. Partially the exchange rate and GDP have a significant impact on ROA and ROE, but inflation does not.

Keywords: Inflation, Exchange Rate, GDP, ROA, ROE
Implications of IFRS 17 in European financial stability: accounting methodology and evaluation modelling
Authors:   University of Cagliari, de Nichilo Stefano
Published: November 2022

The purpose of this document is to provide an overview of IFRS 17 and its possible practices according to a context analysis conducted by EIOPA and ESMA. Furthermore, the implications of the standard will be evaluated with respect to a traditional life and pension products. This requires a deeper insight into the standard, the construction of fictive insurance product and the determination of measurements techniques. With the recent release of the standard, IFRS 17 is unexplored to many within the insurance industry. Thus, the effects of the standard on the financial statements of insurance companies and strategies for reaching objectives such as profit smoothing are yet unknown. Furthermore, the standard is principle based and does hence not specify a practice. Therefore, to determine a practice that complies with the standard and enables achievements of desired objectives is vital. In conclusion, IFRS 17 is expected to bring substantial benefits to financial stability in the EU, mainly through the transparency channel; the requirements in IFRS 17 may push insurance corporations to improve internal processes, including enhancing their internal risk management frameworks.
The impact of negative interest rates on the pricing of options written on equity: a technical study for a suitable estimate of early termination
Authors:   University of Genoa, Italy, Bottasso Anna , Giribone Pier Giuseppe ,   University of Genoa, Italy - Gruppo Banca Bper, Bruno Lorenzo ,   Ego Energia
Published: November 2022

This work aims to investigate the main problems that impact the pricing models and the sensitivity measures of American options written on shares without a pay-out, in the presence of negative interest rates with a specific focus on the Monte Carlo method. The first paragraph carries out a review of the anomalies caused by such an odd condition and focuses thereafter on the core topic of the research by treating a wide range of numerical models suitable for unbiased evaluation of the early exercise, thus expanding the existing literature. The two following paragraphs are dedicated to describing the models used for the correct estimation of fair value: binomial lattice models (Cox-Ross-Rubinstein - CRR Tree, Leisen Reimer - LR Tree, Jarrow-Rudd - JR Tree and Tian Tree), trinomial stochastic trees, Finite Difference Method (FDM) scheme and the Longstaff-Schwartz Monte Carlo. Particular attention is paid to this last approach which allows to combine the flexibility of traditional numerical integration schemes for stochastic processes on equity with the estimation of the convenience of exercising the American option ahead of time. After conducting quantitative tests both on pricing and on the estimation of sensitivity measures, the LR Tree was selected as the most performing deterministic algorithm to be compared with the Monte Carlo stochastic technique. The final part of the work focuses on quantifying the valuation gap introduced by negative interest rates in the valuation of American options written on an unprofitable underlying comparing the traditional valuation approach and the deterministic Leisen Reimer model and the Longstaff-Schwartz stochastic model.
Modello LGSR forward looking
Authors:   Cabel, Cavallini David , Letizia Francesco ,   Cabel
Published: November 2022

In this work, we propose a hierarchical model to introduce Forward-Looking effects on the Loss Given Default Rate (LGDR) estimate, as required by IFRS9. The Framework consists of two modules: a SURTS satellite model (Seemingly Unrelated Regressions Model Time Series), which analyses the dynamics of the systemic LGSR (bad loans LGDR) and a set of selected macroeconomic factors, and a Beta Inflated-(0,1) model which estimates the LGSR for the single entity. The basic hypotheses for the construction of the hierarchical model will also be illustrated, underlining how this approach is particularly relevant for LSIs (Less Significant Institutions). The theoretical aspects are followed by an application on a series released by the Bank of Italy, presenting the LGDR estimation process on an archive of closed bad loans by a set of banks belonging to the CABEL (ICT Service Provide) network. By way of example, we illustrate the forecast results for the three-year period 2022-2024 for the systemic LGDR. Other aspects related to the construction of LGDR models are addressed, such as the segmentation of the portfolios and the selection of individual attributes. In particular, we introduce the NPL vintage as an explanatory variable in the LGDR model, outlining the interconnections with the effects of macroeconomic projections.
Formação de professores de educação física das escolas do ensino básico do interior do Ceará
Authors: Soares Stela Lopes , Aguiar Viviany Caetano Freire , Lima George Almeida , Almeida Maria Iranilda Meneses , Araújo Caio Cesar da Silva , Ferreira Heraldo Simões
Published: November 2022

Busca-se refletir sobre o perfil de professores de educação física, diante da sua trajetória histórica a partir do contexto educacional brasileiro. Inicialmente, as metodologias tradicionais de ensino eram centradas no professor. Com base nos estudos de García (1995), Tardiff (2002), Gatti (2016), o professor precisa compreender esse processo histórico para ter parâmetros como base de ensino e estar aberto a novos caminhos, devido a sua formação ser contínua e dinâmica. A pesquisa é de campo e exploratória, com o locus no Município de Sobral, especificamente nas escolas de ensino básico. Os resultados mostraram que parte dos professores não tiveram contato com conteúdos relacionados à promoção da saúde e que não tinham alguma pós-graduação sobre o tema. Portanto, é necessário pensar no processo de formação continuada como um instrumento essencial na qualificação docente aliado com a escola para possibilitar novas metodologias de ensino.
Complementary therapy in pregnancy: Indonesian Pregnant women’s Insight
Authors: Irawan Ady , Pradana Putri Anggie
Published: November 2022

Background: Complementary therapies are treatments not typically prescribed by physicians as part of integrated medical care. Pregnant women are suggested to benefit from complementary therapy because it carries fewer risks than conventional therapy and they have a high degree of control over their health. Aim: This study aims to explore pregnant women’s insight into complementary therapy. Method: This study employed mix method to describe pregnant women’s insight into complementary therapy. Result: More than 50% of pregnant women in Indonesia have a good perception of complementary therapy. Three themes, including 1) definition of complementary therapy, 2) positive perception of complementary therapy, 3) negative perceptions of complementary therapy; supported the insight on complementary therapy in pregnancy. Conclusion: This study demonstrates that pregnant women in Indonesia have a positive perception of complementary therapies. However, health promotion connected to complementary therapy is required as a supplement to conventional therapy.
Keywords: complementary therapy, pregnancy, pregnant women, perception
Formulation and evaluation of antibacterial nanoemulsion mouthwash from active fraction of lemongrass stem (Cymbopogon Nardus)
Authors: Veranita Weri , Permatasari Desy Ayu Irma
Published: November 2022

Currently, the use of pharmaceutical preparations based on natural ingredients has begun to be in great demand by the public. This is because the use of synthetic drugs has weaknesses such as being able to cause resistance. Dental caries is one of the most common oral diseases in humans. One of the plants that has the potential to be used as an antibacterial in the oral cavity is Lemongrass (Cymbopogon Nardus L.). The use of emulsion mouthwash in the oral cavity is one of the treatments that is still being carried out. Mouthwash with nano size has advantages such as being able to enter the body more easily.
This study aims to determine the physical properties of mouthwash nanoemulsion ethyl acetate extract of Serai Wangi (Cymbopogon Nardus L.) by evaluating the preparation. The nanoemulsion mouthwash was made with the composition of Palm Oil as the oil phase, 96% ethanol as the cosurfactant, Tween 80 as the surfactant, and phosphate buffer pH 6 as the water phase. Then the mixture was stirred at a speed of 1000 rpm and sonicated and then tested for evaluation of the preparation including pH test, homogeneity test, organoleptic test, centrifugation test and transmittance test using UV-Vis Spectrophotometer. The results of the analysis of the entire nanoemulsion formula showed that the more the mangosteen rind extract was incorporated into the oil phase, the more concentrated the color of the nanoemulsion formed and the smaller the percentage of transmittance produced.
Biochemicals synthesis from dead leaves of Acacia auriculiformis over zinc chloride and sodium hydroxide
Authors:   Ibrahim Shehu Shema Centre for Renewable Energy Research, Umaru Musa Yar Adua University, Katsina-Nigeria, Ibrahim Haruna , Jibia Shamsudeen ,   Ibrahim Shehu Shema Centre for Renewable Energy Research, Umaru Musa Yar Adua University, Katsina-Nigeria, Mohammed Ismail ,   Ibrahim Shehu Shema Centre for Renewable Energy Research, Umaru Musa Yar Adua University, Katsina-Nigeria, Magaji Suleiman ,   Ibrahim Shehu Shema Centre for Renewable Energy Research, Umaru Musa Yar Adua University, Katsina-Nigeria
Published: November 2022

This study was undertaken to investigate the biochemicals and biofuel feedstocks in the waste leaves of Acacia auriculiformis. A 50g mass of pulverized dead leaves of the tree were hydrolytically extracted using ZnCl2 and NaOH catalysts at 100oC for 30 minutes. The extracts were filtered with sheet cloth and 4g of each sample was analyzed with GC-MS. The highest fatty acid yield was 235.74 g over ZnCl2 and 222.82 g over NaOH. The highest yields of other prominent chemicals found were 28.17g furan methanol over ZnCl2, 14.18g spathulenol over NaOH, 55.55g Phytol over ZnCl2, 15.94g caryophyllene over NaOH, 15.2g hydroxylamine octyl over ZnCl2, 12.33g stigmasterol over NaOH and 16.85g Methyl a-D-galactopyranoside over NaOH. The biochemicals extracted from the leaves of Acacia auriculiformis are important chemical feedstocks for the pharmaceutical, cosmetics, agro-allied, and food industries. Keywords: biochemicals, dead leaves, feedstock, synthesis, Acacia auriculiformis
Экспериментальное исследование остаточной влажности кожи
Authors: Аннаев Н.У. , Хуррамов Ш.И.
Published: November 2022

Работа посвящена к экспериментальному исследованию остаточной влажности кожи в процессе валкового отжима. Получены регрессионные и эмпирические модели остаточной влажности кожи. Установлено, что с уменьшением радиуса и скорости валка и увеличением интенсивности нагрузки уменьшается остаточная влажность кожи. Выявлено, что лучший эффект интенсивности нагрузки наблюдается в отжимных машинах с маленькими радиусами и скоростями.
A AGROECOLOGIA E OS DESAFIOS DAS TRANSIÇÕES AGROALIMENTARES NO CENÁRIO DE CRISE AMBIENTAL. UM ESTUDO DE CASO NO ASSENTAMENTO TRÊS NA ZONA RURAL DE ARARAS-SP
Authors: Figueiredo Eduardo
Published: November 2022

Uma das consequências da pandemia de Covid-19 foi a quebra da cadeia de suprimentos que se deterioraram devido aos problemas logísticos, mercado mundial de fertilizantes, e os eventos climáticos extremos desempenham um papel importante na seca e desertificação, devido à erosão e contaminação dos procedimentos agricultáveis convencionais. A partir dessa premissa, a agroecologia que trabalha com métodos de aproveitamento do espaço, com produção diversificada e utilização de insumos naturais que mitigam o impacto ambiental, além de  incluir trabalhadores familiares e uma logística de cadeias curtas de comercialização, surge como um projeto viável que alimenta a pequena propriedade. A discussão teórico-metodológica utilizará bibliografia dos principais debates sobre essa questão e a metodologia do ator-rede de Latour. Nesse contexto, o presente artigo pretende um estudo de caso sobre a realidade de uma família envolvendo suas produções agrícolas familiares, manejos transitórios agroecológicos e o desenvolvimento socioeconômico no Assentamento Três na zona rural do município de Araras, estado de São Paulo.