bluuebunny/crossref_metadata_2025_split huggingface dataset:
Digi - Insurance – the Case Story of the Potential in the Life Insurance of Sri Lanka
Authors: Paranavitana Suresh 
Published: July 2024

This study aims to see how insurance products are developed by life insurance companies operating in Sri Lanka, providing products that are acceptable in the markets where they operate. The essence of this paper is to highlight the ability of direct communication between the insured and the insurer through digital transformation and in facilitating direct (premium payment) transactions between the insured and the insurer through their respective banks. This research uses qualitative research methods with descriptive methods. The research results show that insurance plays a major role in developing life insurance products and is a liaison between the insurer and the insured and in certain cases a facilitator to collect premiums on behalf of the insurer.
Keywords: Brand Communication; Digital Transformation; Insurance Industry Sri Lanka; Life Insurance; Linking Insured and Insurer; Marketing Communication

Abstrak
This study aims to see how insurance products are developed by life insurance companies operating in Sri Lanka, providing products that are acceptable in the markets where they operate. The essence of this paper is to highlight the ability of direct communication between the insured and the insurer through digital transformation and in facilitating direct (premium payment) transactions between the insured and the insurer through their respective banks. This research uses qualitative research methods with descriptive methods. The research results show that insurance plays a major role in developing life insurance products and is a liaison between the insurer and the insured and in certain cases a facilitator to collect premiums on behalf of the insurer.
Kata Kunci: Komunikasi Merek; Transformasi Digital; Industri Asuransi Sri Lanka; Asuransi Jiwa; Menghubungkan Tertanggung Dan Penanggung; Komunikasi Pemasaran
Comparative Evaluation of Portfolio Performance: A Study of Cryptocurrency, Stock, and Foreign Exchange Investments
Authors: Yanida* Pebri , Pratiwi Leni Nur , Nugrahani Wahyu Panji 
Published: July 2024

This study aims to provide information about the level of risk, return, and investment performance of cryptocurrency and also compare it with traditional investment instruments such as stocks and dollars. The population in this study is the monthly closing price of Bitcoin, JCI, and Dollar. The sample in this study is the monthly closing price of Bitcoin, JCI, and Dollar in the period January 2020 to December 2022, each of which is 36 data so the number of observations made is 108 data. The analysis technique used in this research is a comparative analysis using the Kruskal Wallis test method using the SPSS 25 analysis tool. The results of this study found that there were significant differences between the performance of Bitcoin, JCI, and Dollar stocks using the Sharpe, Treynor, and Jensen methods.
Keywords: Cryptocurrency; Portfolio Performance; Finance, Risk Measurement; Sharpe, Treynor, and Jensen Methods
Abstrak

Penelitian ini bertujuan menyediakan informasi mengenai tingkat risiko, return, dan kinerja investasi cryptocurrency dan juga membandingkannya dengan instrument investasi tradisional seperti saham dan dollar. Populasi pada penelitian ini adalah harga penutupan bulanan (monthly closing price) Bitcoin, IHSG dan Dollar. Sampel pada penelitian ini adalah harga penutupan bulanan (monthly closing price) Bitcoin, IHSG dan Dollar pada periode Januari 2020 hingga Desember 2022, masing-masing sebanyak 36 data sehingga jumlah observasi yang dilakukan adalah sebanyak 108 data. Teknik analisis yang digunakan dalam penelitian ini adalah analisis komparatif dengan metode uji Kruskal Wallis menggunakan tool analisis SPSS 25. Hasil penelitian ini menemukan terdapat perbedaan signifikan antara kinerja Bitcoin, Saham IHSG dan Dollar menggunkan metode Sharpe, Treynor dan Jensen. Cryptocurrency tidak hanya merupakan mata uang digital, tetapi dapat menjadi pilihan investasi yang sangat menguntungkan, namun karena risiko yang mungkin dihasilkan juga fluktuatif, maka calon investor harus memiliki pengetahuan yang baik mengenai instrument ini.
Kata Kunci: Kriptokurensi; Kinerja Portofolio; Keuangan, Pengukuran Risiko; Metode Sharpe, Treynor, dan Jensen
The Effect of Firm Size, Credit Risk, Interest Rates, and Liquidity on Bank Profitability: Study on State-Owned Banks in Indonesia
Authors: Supiyadi* Dedi , Novita Intan 
Published: July 2024

This study aims to examine the effect of bank size, credit risk, interest rate and liquidity on profitability in state-owned banks listed on the IDX. In this study the authors used a random effects model on a balanced panel data set of all state-owned banks listed on the Indonesia Stock Exchange from 2013 to 2022, consisting of 81 Banks, from the entire research sample for 10 years obtained 50 observations. The results show that credit risk and liquidity have a negative effect on profitability, interest rates have a positive effect on profitability and firm size has no effect on profitability, Overall, the results of this study indicate that all the variables studied, namely credit risk, liquidity levels, interest rates, and firm size, simultaneously influence the profitability of state-owned banks. The findings in this study can provide insights to decision-makers, bank management, and stakeholders regarding strategies to improve the profitability of state-owned banks in Indonesia. This article adds to the literature on indicators that affect state-owned banks' profitability in Indonesia.Keywords: Firm Size; Credit Risk; Interest Rate; Liquidity; ProfitabilityAbstrak
Penelitian ini bertujuan untuk menguji pengaruh ukuran perusahaan, risiko kredit, Interest Rate dan liquiditas terhadap Profitabilitas pada Bank BUMN yang terdaftar di BEI. Dalam penelitian ini penulis menggunakan model random efek pada set data panel yang seimbang dari semua bank BUMN yang terdaftar di Bursa Efek Indonesia dari tahun 2013 hingga 2022, terdiri dari 81 Bank BUMN, dari keseluruhan sampel penelitian selama 10 tahun di peroleh 50 observasi. Hasil penelitian menemukan bahwa risiko kredit dan liquiditas berpengaruh negatif terhadap profitabilitas, tingkat suku bunga berpengaruh positif terhadap profitabilitas dan ukuran perusahaan tidak berpengaruh terhadap profitabilitas, Secara keseluruhan, hasil penelitian ini menunjukkan bahwa semua variabel yang diteliti, yaitu risiko kredit, tingkat likuiditas, tingkat suku bunga, dan ukuran perusahaan, secara simultan memiliki pengaruh terhadap profitabilitas Bank BUMN. Temuan dalam penelitian ini dapat memberikan wawasan kepada para pengambil keputusan, manajemen bank, dan pemangku kepentingan terkait strategi untuk meningkatkan profitabilitas Bank BUMN di Indonesia, sekaligus menambah dan memperkaya literature tentang indikator yang mempengaruhi profitabilitas bank BUMN di Indonesia.
Kata Kunci: Ukuran Perusahaan; Risiko Kredit; Bunga; Liquiditas; Profitabilitas
Exploring Financial Performance and Audit Opinions in Indonesian Central Government Agencies
Authors: Zakaria Adam 
Published: July 2024

This research aims to develop an accurate prediction model for determining the audit opinions issued by the State Audit Agency based on various factors, such as leverage ratios, solvency ratios, liquidity ratios, revenue effectiveness ratios, expenditure efficiency ratios, and surplus. Observations were conducted on 254 audit financial reports from the period 2017 to 2019 from 86 central government agencies. The resulting prediction model complies with the specified model requirements. Out of the six independent variables tested, only two were found to have a statistically significant impact on their audit opinions, namely liquidity ratios and revenue effectiveness ratios. Meanwhile, the other four variables, including leverage ratios, solvency ratios, expenditure efficiency ratios, and surplus, did not have a statistically significant effect. The results of this study provide insights to ministries and government agencies regarding the importance of financial performance in predicting audit opinions.Keywords: Bureaucratic Reform; Public Sector Audit; Financial Performances; State Revenue; Fund Management

Abstrak
Penelitian ini bertujuan untuk mengembangkan model prediksi yang tepat untuk menentukan opini audit Badan Pemeriksa Keuangan berdasarkan berbagai faktor, seperti rasio leverage, rasio solvabilitas, rasio likuiditas, rasio efektivitas pendapatan, rasio efisiensi pengeluaran, dan surplus. Pengamatan dilakukan pada 254 laporan keuangan audit dari periode 2017–2019 yang berasal dari 86 instansi pemerintah pusat. Model prediksi yang dihasilkan mematuhi persyaratan yang ditetapkan. Dari enam variabel independen yang diuji, hanya dua yang terbukti memiliki pengaruh signifikan terhadap opini audit, yaitu rasio likuiditas dan rasio efektivitas pendapatan. Sementara empat variabel lainnya, yaitu rasio leverage, rasio solvabilitas, rasio efisiensi pengeluaran, dan surplus, tidak memiliki pengaruh yang signifikan secara statistik. Hasil studi ini memberikan wawasan kepada kementerian dan lembaga pemerintah tentang pentingnya kinerja keuangan dalam memprediksi opini audit.
Kata Kunci: Reformasi Birokrasi; Audit Sektor Publik; Kinerja Keuangan; Pendapatan Negara; Manajemen Dana
How Do Asymmetric Information and Financial Factors Influence Earnings Management?
Authors: Hamzah Amir , Nopiyanti Hilda 
Published: July 2024

The purpose of this study is to analyze the influence of information asymmetry, deferred tax assets, deferred tax expenses, free cash flow, and investment opportunities set on earnings management practices in consumer service sector companies listed on the Indonesia Stock Exchange (IDX) during the period 2017-2021. This research uses a descriptive and verificative method with a population of 47 companies. Through the purposive sampling technique, this research selects 22 companies for the period 2017-2021, resulting in a total of 110 observation data. The analysis method used is Panel Data Regression, which involves stages of classic assumption, model estimation, and model selection testing, as well as the coefficient of determination, and hypothesis testing. The partial testing results show that all observed variables have a positive and significant impact on earnings management practices. This research provides an important contribution to understanding the dynamics of earnings management practices in the context of the consumer service industry in Indonesia.
An examination of the effects of Internet banking, CRM, and product excellence on customer loyalty at State-owned Islamic Bank located in Central Java
Authors: Romadhon Hindun Mutiara , Widowati Mustika , Hasanah Siti 
Published: July 2024

This study aims to analyze the significance of product excellence, internet banking, and customer relationship management on customer loyalty at the State-owned Islamic Bank located in Central Java. The population in this study were the customers with the sample used in this study 118 customers were selected using the Simple Random Sampling technique. This research used the Multiple Linear Regression analysis, as well as both partial and simultaneous tests, the Coefficient of Determination test. The results finds that the hypotheses and discussion show that product excellence, internet banking, and customer relationship management have a positive and significant effect on loyalty at the State-owned Islamic Bank located in Central Java both partially and simultaneously.
Revisión : Vibrio parahaemolyticus Y SU EVALUACIÓN DE RIESGO MICROBIOLÓGICO: PRESENCIA EN CHILE DESDE 1998 ASOCIADO A BROTES MASIVOS DE GASTROENTERITIS POR CONSUMO DE MOLUSCOS BIVALVOS.
Authors: Cachicas Viviana 
Published: July 2024

Vibrio parahaemolyticus es una bacteria de origen marino que junto a Vibrio cholerae y Vibrio Vulnificus produce la mayor incidencia de enfermedad del género Vibrio en humanos en el mundo. Vibrio parahaemolyticus, puede estar presente en moluscos bivalvos por su capacidad bioacumuladora y es significativamente afectado por variables ambientales como salinidad y temperatura atmosférica. Mundialmente se han descrito brotes asociado a su ingesta de moluscos desde el año 1957, especialmente en los periodos estivales. Chile y Perú, se han expuesto a brotes de gastroenteritis causados por Vibrio parahaemolyticus entre los años 1997-1998 y 2004-2012, debido a aumento de temperatura de la corriente de Humboldt. El objetivo de este trabajo, es levantar la información generada en los años asociados a los principales brotes en el país, centrada en estudios analíticos ambientales de evaluación de riesgo con colaboraciones entre la academia, laboratorios de referencias y organismos oficiales enfocados en la inocuidad de los alimentos.
BRAND AWARENESS, LOYALTY, DAN INSTAGRAM DALAM PEMBELIAN REXONA DI PALEMBANG
Authors: Mayangkara Maura , Naruliza Esty , Ermeila Sri 
Published: July 2024

Brand Awareness dan Brand Loyalty merupakan faktor yang cukup penting dalam menentukan keputusan pembelian, dalam penelitian ini adalah produk deodorant Rexona di Kota Palembang. Persentasi didapat dari iklan deodorant Rexona di media sosial Youtube dan Instagram sebesar 54% dari responden yang sangat setuju untuk membeli produk deodorant Rexona setelah melihat iklan dari Youtube dan Instagram. Penelitian ini dibuat untuk menganalisis pengaruh dari Brand Awareness dan Brand Loyalty terhadap Keputusan Pembelian. Pada penelitian ini menggunakan analisis regresi linier berganda. Populasi mencakup seluruh konsumen perempuan maupun laki-laki dari umur 12 sampai 50 tahun yang memutuskan untuk menggunakan produk deodorant Rexona di Kota Palembang. Besaran sampel yang diambil adalah sebanyak 272 orang dikarenakan populasi tidak terhingga, dengan error level 10% atau 0,1. Dalam pengujian hipotesis yang dilakukan baik secara simultan maupun parsial Brand Awareness berpengaruh secara signifikan terhadap keputusan pembelian. Hasil penelitian ini menunjukkan bahwa nilai koefisien determinasi (R2) sebesar 0,788 atau 78,8% dan sisanya 21,2% dipengaruhi oleh variabel lain. Hasil penelitian ini menunjukkan bahwa 78,8% keputusan pembelian dapat dijelaskan oleh variabel Brand Awareness dan Brand Loyalty. Sedangkan 21,2% dari dua variabel, variabel Brand Awareness (X1) sebesar 7,8% dan variabel Brand Loyalty (X2) sebesar 71,0%.
Discourse analysis of “The Alchemist” by Paulo Coelho
Authors: Admin Admin , د. أحمد زهير رحاحلة  
Published: July 2024

The study investigates the relationship between literature and religion by interpreting the religious and cultural symbols of an international creative work which is “The Alchemist” by the Brazilian writer Paulo Coelho. The study scrutinizes the Islamic, Christian symbols, the mythological effects and heritage of people which contributed to framing the discourse of the novel.
The study also strives to implement the analytic, descriptive and contrastive approaches which help fulfill its objectives along with the symbolic analysis of the prominent narrative elements that the writer made use of in the process of building his universal novel and religious philosophy.
The study came up to framing the most prominent elements of the religious discourse and the elements of using Islam, Christianity, the Arabic intellectual contributions to the novel and uncovering the image of the Arab/Muslim.
TRATAMENTO CIRÚRGICO DA DIVERTICULITE AGUDA
Authors: Barbosa Silva Pedro Augusto , Vitoria Campos Dias Isabela , Dahra Acioli Leonardi Milena , Rito Martins Maressa , Barbosa de Carvalho Matos Gabriel 
Published: July 2024

A diverticulite é uma inflamação do divertículo que se encontra presente, principalmente, com o avançar da idade. Até 25% dos pacientes apresentam essa doença diverticular. E dos pacientes que apresentam essa doença, aproximadamente 25% deles precisam de tratamento cirúrgico. O tratamento cirúrgico é indicado, principalmente, nas complicações da diverticulite aguda, incluindo abscessos, estenose, peritonite purulenta ou fecal. O objetivo do trabalho é analisar a importância do tratamento cirúrgico da diverticulite aguda. Trata-se de uma revisão narrativa dos últimos 5 anos na base de dados: MEDLINE e Literatura Latino-Americana e do Caribe em Ciências da Saúde (LILACS) com os descritores que foram utilizados: "diverticulite" "aguda" "tratamento" "cirurgia". Notou-se que o tratamento cirúrgico é importante nas formas complicadas, diminuindo o tempo de internação, dor, complicação e mortalidade, uma vez que há alta mortalidade nas formas complicadas. Além disso, o tratamento clínico nas formas graves é insuficiente para resolução do quadro. A vários tipos de tratamento cirúrgico, desde laparoscopia, drenagem percutânea, anastomose primária, cirurgia de Hartmann e laparotomia. A escolha do método leva em conta as complicações que o paciente apresenta, a gravidade, morbidade e instabilidade hemodinâmica do paciente. Nesse sentido, evidencia-se a importância do tratamento cirúrgico na diminuição da morbimortalidade dos pacientes e na melhora do prognóstico.
MANEJO DA CETOACIDOSE DIABÉTICA EM CRIANÇAS E ADOLESCENTES
Authors: Patrícia Ikeda  
Published: July 2024

Introdução: A cetoacidose diabética é um quadro clínico de um paciente que se encontra com a sua concentração de insulina em níveis abaixo do normal e com o excesso de hormônios contra-reguladores, como glucagon, cortisol e catecolaminas. Objetivo: Analisar as características clínicas de crianças e adolescentes que possuem tal doença visando um diagnóstico e tratamento precoce. Método: Utilizou-se como fonte de pesquisa para essa revisão de caráter analítico artigos da base de dados do PubMed que dissertam sobre o manejo da cetoacidose diabética em crianças e adolescentes, publicados entre 2015 a 2021 nas línguas portuguesa e inglesa, onde a escolha dos artigos foi baseada na ordem de maior concordância com o tema escolhido, selecionando apenas cinco para a leitura interpretativa e realização da redação deste artigo. Resultados e discussão: Os resultados destacam a importância da reposição de fluidos, administração de insulina e correção de eletrólitos no manejo da CAD, bem como a necessidade de educação contínua dos pacientes e cuidadores para reconhecimento precoce de sintomas e adesão ao tratamento. A padronização das diretrizes clínicas é crucial para garantir cuidado uniforme e de alta qualidade, enquanto a gestão ambulatorial de casos leves pode reduzir hospitalizações desnecessárias. Conclusão: A CAD representa uma complicação grave do DM1 em crianças e adolescentes, com significativa morbimortalidade. Estratégias de prevenção e tratamento eficazes, aliadas à educação contínua e padronização das diretrizes clínicas, são essenciais para melhorar os resultados clínicos e a qualidade de vida desses pacientes. Recomenda-se a continuação de estudos para investigar determinantes sociais da saúde e aprimorar as estratégias de prevenção e manejo da CAD.
MUATAN KEARIFAN LOKAL DALAM TEKS LAGU DAERAH DAN PETUAH SEBAGAI RUJUKAN PENDIDIKAN KARAKTER DI SEKOLAH (KAJIAN KEARIFAN LOKAL ETNIS MANGGARAI)
Authors: Lidi Maria Waldetrudis , Jegho Angelina , Baharu Reiner Valerio , Fatima Noviana Deam , Ndang Yustika Elfiani 
Published: July 2024

Penelitian ini berfokus pada kajian pendidikan karakter yang berkaitan dengan pembelajaran biologi. Tujuan penelitian adalah untuk mengkaji satu teks lagu dan empat petuah yang berasal dari etnis manggarai sebagai rujukan pendidikan karakter dalam pembelajaran biologi. Penelitian ini menggunakan jenis penelitian deskriptif kualitatif. Dengan teknik pengumpulan data menggunakan teknik dokumentasi, wawancara dan kajian literature. Analisis data menggunakan tahap reduksi data, penyajian data, verifikasi dan penarikan kesimpulan. Dari hasil analisis deskriptif dapat dikatakan bahwa empat Petuah/peribahasa (Go’et) tersebut dapat dijadikan sebagai rujukan pendidikan karakter dalam pembelajaran biologi yakni Paka Saung Bembang Nger’eta Wake Caler Nger’wa pada materi struktur jaringan tumbuhan dan fungsinya pada kelas 8, materi sistem perkembangbiakan pada tumbuhan kelas 9 dan struktur organ pada sistem organ dengan fungsinya pada tumbuhan kelas 11. Cimang Neho Rimang Cama Rimang Rana, Kimpur Neho Kiwung Cama Kiwung Lopo pada materi klasifikasi makhluk hidup kelas 7, Eme Wakak Betong Asa, Wanga Waken Nipu Tae pada materi perkembangbiakan vegetatif tumbuhan pada kelas 6 dan Neka nanang leda le reca (cera), olong sisip lau mai rii pada materi komponen ekosistem, interaksi antara komponen serta perubahan lingkungan pada kelas 10. Lagu Senget runi ngkiong juga berpotensi menjadi rujukan pendidikan karakter peduli lingkungan pada materi pengaruh lingkungan terhadap makhluk hidup, interaksi antar komponen penyusun suatu ekosistem dan pengaruh manusia pada ekosistem kelas 7 dan materi upaya pelestarian keanekaragaman hayati dan interaksi makhluk hidup dalam ekosistem, komponen ekosistem dan macam-macam bentuk interaksi antara komponen ekosistem, dan siklus biogeokimia pada kelas 10.
Prevalence of Depression, Anxiety and Stress Disorder in School Going Adolescents in a Rural Village of Central India
Authors: Prasoon Shrivastava  , Sonam Mishra  , Sandhya Shrivastava  
Published: July 2024

Objective:1. To study the prevalence of depression, anxiety and stress among school goingadolescents in a rural block.2. To study the factors affecting the depression, anxiety and stress.Study design: Study was conducted in adolescents of rural schools of Wardha Block. 120 students were interviewed using DASS-21 questionnaire and their response wasanalysed regarding assessment of the Depression, anxiety and stress score. On the basis of their response, they were classified as having the disorders and grade them as mild, moderate and severe. Their socio-demographic factors, addiction history, intimate friends history, domestic violence history was also taken to assess their contribution.Results: Prevalence of Depression was found to be 14.16%, anxiety disorder 68.33% and stress disorder 24.16%. The prevalence of mild, moderate and severe depression is 8.34%,5% 0.83% respectively. The prevalence of mild, moderate and severe anxiety is15.83%, 41.67% & 6.67% respectively. The prevalence of mild, moderate and severe stress is 18.33%, 2.5% & 3.33% respectively. The most common contributing factors are found to be domestic violence, bullying in school, substance abuse, not regular playing, lack of intimate friends, nuclear families and poor socioeconomic status. Conclusion: The psychological disorders are also prevalent in students of rural India, these needs to be addressed. Proper counseling sessions of school going adolescents should be arranged along with taking care of their mental conditioning. They should be trained to cope up their mental stress under guidance from their teachers and counselors.