bluuebunny/crossref_metadata_2025_split huggingface dataset:
Data analytics in African banking: A review of opportunities and challenges for enhancing financial services
Authors: Christianah Pelumi Efunniyi  , Angela Omozele Abhulimen  , Anwuli Nkemchor Obiki-Osafiele  , Olajide Soji  Osundare  , Ibrahim Adedeji Adeniran  , Edith Ebele Agu  
Published: August 2024

Data analytics is reshaping the landscape of banking in Africa, presenting both significant opportunities and notable challenges. This manuscript provides a comprehensive review of the role of data analytics in enhancing financial services across the continent. The analysis begins by exploring the various applications of data analytics, including credit scoring, fraud detection, customer segmentation, and personalized marketing. These applications have demonstrated substantial potential in driving financial inclusion, improving operational efficiency, and enhancing customer experiences. Despite the promising benefits, the implementation of data analytics in African banking is impeded by several challenges. These include limited data quality, regulatory constraints, a shortage of skilled professionals, and infrastructural limitations. The manuscript examines these obstacles in detail and discusses potential strategies for overcoming them, such as investing in technology, fostering collaborative ecosystems, and developing robust regulatory frameworks. Case studies of leading African banks, such as Equity Bank, First National Bank, and Standard Bank, illustrate successful applications of data analytics and highlight the transformative impact on financial services. The review also considers future prospects, including the expansion of mobile and digital banking, the integration of artificial intelligence, and increased collaboration between banks and fintech companies. Overall, while data analytics offers considerable promise for enhancing financial services in Africa, its successful implementation requires addressing existing challenges and leveraging emerging opportunities. The findings underscore the need for a strategic approach to harness data analytics effectively, aiming to drive financial inclusion and foster socio-economic development across the continent.
Keywords: Data Analytics, African Banking, Financial Inclusion, Credit Scoring, Fraud Detection, Machine Learning.
Education For Children With Special Needs
Authors: Kristian Mander 
Published: August 2024

Children have the right to experience an educational system. Education is a fundamental right for children, whether the child is healthy or has a health problem. When the medical problem of the child impairs him to learn in a normal school, it is necessary to find alternative forms of study. The fundamental children’s right for education is offered to children with special needs by special schools.This article aims to explain the importance of inclusive education for children with special needs. This statement is based on the fact that children with special needs do not receive proper education like other normal children. This paper opens an understanding and insight into the rights of every citizen, especially children with special needs, to obtain a proper education. To achieve this goal, the author uses a literature study. The literature study in question is that the author reads and records the results of the study of this topic from various library sources such as books, journals, and other key reports. The results of the study show that many parents and the community think that the implementation of inclusive education is too urgent for children with special needs. Therefore, children with special needs often get less attention and do not get the same education rights as normal children.
Keywords : Education, Student, Special need
Closing the gap in the tropics: the added value of radio-occultation data for wind field monitoring across the Equator
Authors: Danzer Julia , Pieler Magdalena , Kirchengast Gottfried 
Published: August 2024

Abstract. Globally available and highly vertically resolved wind fields are crucial for the analysis of atmospheric dynamics for the benefit of climate studies. Most observation techniques have problems to fulfill these requirements. Especially in the tropics and in the Southern Hemisphere more wind data are required. In this study, we investigate the potential of radio-occultation (RO) data for climate-oriented wind field monitoring in the tropics, with a specific focus on the equatorial band within ± 5° latitude. In this region, the geostrophic balance breaks down, due to the Coriolis force term approaching zero, and the equatorial-balance equation becomes relevant. One aim is to understand how the individual wind components of the geostrophic-balance and equatorial-balance approximations bridge across the Equator and where each component breaks down. Our central aim focuses on the equatorial-balance approximation, testing its quality by comparison with ERA5 reanalysis data. The analysis of the zonal and meridional wind components showed that while the zonal wind was well reconstructed, it was difficult to estimate the meridional wind from the approximation. However, we still found a somewhat better agreement from including both components in the zonal-mean total wind speed in the troposphere. In the stratosphere, the meridional wind component is close to zero for physical reasons and has no relevant impact on the total wind speed. In general, the equatorial-balance approximation works best in the stratosphere. As a second aim, we investigated the systematic data bias between using the RO and ERA5 data and find it smaller than the bias resulting from the approximations. We also inspected the monthly-mean RO wind data over the full example year of 2009. The bias in the core region of highest quality of RO data, which is the upper troposphere and lower stratosphere, was generally smaller than ± 2 m s−1. This is in line with the wind field requirements of the World Meteorological Organization. Overall, the study encourages the use of RO wind fields for regional-scale climate monitoring over the entire globe, including the equatorial region, and also showed a small improvement in the troposphere when including the meridional wind component in the zonal-mean total wind speed.
LIGHT-bgcArgo-1.0: using synthetic float capabilities in E3SMv2 to assess spatiotemporal variability in ocean physics and biogeochemistry
Authors: Nissen Cara , Lovenduski Nicole S. , Maltrud Mathew , Gray Alison R. , Takano Yohei , Falcinelli Kristen , Sauvé Jade , Smith Katherine 
Published: August 2024

Abstract. Since their advent over 2 decades ago, autonomous Argo floats have revolutionized the field of oceanography, and, more recently, the addition of biogeochemical and biological sensors to these floats has greatly improved our understanding of carbon, nutrient, and oxygen cycling in the ocean. While Argo floats offer unprecedented horizontal, vertical, and temporal coverage of the global ocean, uncertainties remain about whether Argo sampling frequency and density capture the true spatiotemporal variability in physical, biogeochemical, and biological properties. As the true distributions of, e.g., temperature or oxygen are unknown, these uncertainties remain difficult to address with Argo floats alone. Numerical models with synthetic observing systems offer one potential avenue to address these uncertainties. Here, we implement synthetic biogeochemical Argo floats into the Energy Exascale Earth System Model version 2 (E3SMv2), which build on the Lagrangian In Situ Global High-Performance Particle Tracking (LIGHT) module in E3SMv2 (E3SMv2-LIGHT-bgcArgo-1.0). Since the synthetic floats sample the model fields at model run time, the end user defines the sampling protocol ahead of any model simulation, including the number and distribution of synthetic floats to be deployed, their sampling frequency, and the prognostic or diagnostic model fields to be sampled. Using a 6-year proof-of-concept simulation, we illustrate the utility of the synthetic floats in different case studies. In particular, we quantify the impact of (i) sampling density on the float-derived detection of deep-ocean change in temperature or oxygen and on float-derived estimates of phytoplankton phenology, (ii) sampling frequency and sea-ice cover on float trajectory lengths and hence float-derived estimates of current velocities, and (iii) short-term variability in ecosystem stressors on estimates of their seasonal variability.
World-Systems Analysis and Postnatal Care Utilization among Periphery Women
Authors: Langa Neema 
Published: August 2024

Current cross-national research suggests that increased economic dependence by peripheral countries on core ones is associated with poor maternal health outcomes and greater socioeconomic inequalities in the periphery. However, not enough attention has been given to analyzing how this economic dependence—via foreign direct investment (FDI), importation, and exportation between peripheral and core nations—specifically influences periphery utilization of postnatal care. Utilizing a world-systems framework, this study examines data from the Tanzania Demographic Health Survey (TDHS) and World Development Indicators (WDI) from the World Bank to shed light on the detrimental impacts of economic dependence on Tanzania’s postnatal care utilization between 2010–2016. Findings show that data constructed around socioeconomic status, rural/urban residence, and region disclose noteworthy negative correlations for importation, exportation, foreign direct investment, and Tanzanian postnatal care utilization over 2010–2016. Even after controlling for these factors, it was observed that marginalized women in Tanzania continued to have significantly lower utilization of both mother's and newborn postnatal care during this period. Higher and statistically significant inequalities in the use of newborn postnatal care were also found for rural women with less than secondary education compared to urban women with the same education level. These findings highlight the need to consider economic dependence on core countries when crafting policies and strategies for addressing disproportional effects on postnatal healthcare utilization among underserved women in Tanzania.
Pengaruh Insentif Pajak Penghasilan Pasal 21, Kepatuhan Wajib Pajak dan Pemeriksaan Pajak Terhadap Penerimaan Pajak Masa Pandemi Covid-19 Pada Kantor Pelayanan Pajak Pratama Makassar Utara
Authors: Syah Putri Nurwulan , Mursalim  , Syamsuri Rahim  
Published: August 2024

Penelitian ini bertujuan untuk mengetahui Pengaruh Insentif Pajak Penghasilan Pasal 21, Kepatuhan Wajib Pajak dan Pemeriksaan Pajak Terhadap Penerimaan Pajak Masa Pandemi Covid-19 Pada Kantor Pelayanan Pajak Pratama Makassar Utara. Penelitian ini menggunakan data kuesioner yang bersumber dari pegawai Kantor Pelayanan Pajak Pratama Makassar Utara. Penelitian ini dilaksanaka di Kantor Pelayanan Pajak Pratama Makassar Utara. Populasi dalam penelitian ini adalah seluruh Pegawai Kantor Pelayanan Pajak Pratama Makassar Utara. Sampel dalam penelitian ini menggunaka teknik sampling jenuh yang berjumlah 109 responden. Analisis data menggunakan teknik statistik deskriptif dan regresi linear berganda berbantuan SPSS 25 untuk analisis data. Hasil penelitian ini menunjukkan bahwa : (1) Pengaruh Insentif Pajak Penghasilan Pasal 21 berpengaruh positif dan signifikan terhadap penerimaan pajak; (2) Kepatuhan Wajib Pajak berpengaruh positif dan signifikan terhadap penerimaan pajak; (3) Pemeriksaan Pajak berpengaruh positif dan signifikan terhadap penerimaan pajak.
Analisis Efektifitas Penerapan Fast Tracking pada Pelaksanaan Pembangunan Gedung Kantor Walikota Kendari
Authors: Rijal Syamsu , Hadi Abd Karim , Musa Ratna 
Published: August 2024

Proyek pembangunan Kantor Walikota Kendari dipilih sebagai studi kasus karena mengalami keterlambatan pada pelaksanaan proyek konstruksinya. kemudian metode fast track diterapkan agar dapat mereduksi biaya dan waktu pelaksanaan proyek hingga mencapai waktu target rencana agar tidak terjadi keterlambatan. Penelitian ini dilakukan dengan tujuan untuk : (1) Menganalisis metode penerapan konsep fast tracing pada sebuah proyek (2) Menganalisis efektifitas pelaksanaan pembangunan kantor Walikota Kendari melalui penerapan konsep fast tracing. Metode fast-track merupakan metode penjadwalan di mana elemen-elemen pekerjaan yang biasa dilakukan secara berurutan, direncanakan untuk dilakukan secara bersama-sama, namun tetap memperhatikan hubungan logis antar kegiatan tersebut. Walaupun secara jelas dapat mereduksi durasi proyek, patut diperhatikan pula bagaimana pengaruh dari penerapan metode fast-track ini terhadap biaya pelaksanaan proyek. Adapun proses analisis dilakukan dengan melakukan penjadwalan ulang agar dapat dilakukan perbandingan alternatif penjadwalan dengan dan tanpa fast-track,. Dari hasil perhitungan menggunakan program bantu Microsoft Office Project 2016, bahwa setelah dilakukan penerapan metode fast track pada lintasan kritis dapat mengurangi resiko pembengkakan biaya, serta dapat menghemat waktu selama 4 hari dari waktu pelaksanaan proyek yang semula (90 hari menjadi 86 hari). Sedangkan pada biaya tidak langsung juga terjadi penghematan (efisiensi) sebesar Rp. 93,310,541.
Analisis Kriminologi Terhadap Pencurian Dengan Kekerasan Di Kabupaten Gowa
Authors: Amir Diana , Pawennei Mulyati , Abbas Ilham 
Published: August 2024

Tujuan penelitian ini sebagai berikut (1) Untuk rnengetahui dan menganalisis faktor apakah yang menyebabkan terjadinya pencurian dengan kekerasan di Kabupaten Gowa. (2) Untuk mengetahui dan menganalisis upaya-upaya apakah yang dilakukan dalam menanggulangi pencurian dengan kekerasan di Kabupaten Gowa. Metode penelitian yang digunakan adalah metode penelitian hukum empiris. Hasil Penelitian (1) aktor penyebab terjadinya pencurian dengan kekerasanadalah kondisi ekonomi, pendidikan tidak dan kurangnya pemahaman ajaran agama yang dianutnya. (2) Upaya-upaya penanggulangan terjadinya pencurian dengan kekerasan adalah: a. Upaya preventif yaitu suatu upaya yang dilakukan oleh penegak hukum maupun masyarakat sebelum terjadinya pencurian dengan kekerasan adalah mengadakan sistem keamanan lingkungan, meningkatkan penanganan terhadap wilayah yang rawan terjadinya suatu pencurian dan mengadakan patroli setiap saat pada jam-jam tertentu. b. Upaya represif yaitu suatu upaya yang dilakukan oleh arapat penegak hukum untuk mengadakan penangkapan terhadap pelaku pencurian dengan kekerasan di Kabupaten Gowa dan diproses sesuai dengan hukum yang berlaku.
The research objective is to analyze the (1) To find out and analyze what factors lead to violent theft in Gowa Regency. (2) To find out and analyze the efforts made to deal with violent theft in Gowa Regency. The research method used is an empirical legal research method. The results of the study (1) the actors causing theft by violence are economic conditions, lack of education and a lack of understanding of the teachings of the religion they adhere to. (2) Efforts to prevent theft by violence are a. Preventive efforts, namely an effort made by law enforcement and the community before the occurrence of violent theft to establish an environmental security system, improve the handling of areas prone to theft and conduct patrols at any time at certain hours. b. Law enforcement officers make repressive efforts to hold arrests for perpetrators of theft with violence in the Gowa Regency and be processed in accordance with applicable law.
Implementasi Pemindahtanganan Barang Milik Negara Melalui Proses Hibah kepada Masyarakat/Pemerintah Daerah
Authors: Fitriyanto Ardian , Setyaningrum Dyah 
Published: August 2024

Proses pemindahtanganan barang milik negara melalui proses hibah pada Direktorat Jenderal Ketenagalistrikan berlarut-larut penyelesaiannya sejak rekomendasi dalam temuan pemeriksaan Badan Pemeriksa Keuangan atas Laporan Keuangan Kementerian Energi dan Sumber Daya Mineral Tahun 2011 sampai dengan saat ini. Penelitian ini dilakukan untuk mengevaluasi kenapa proses pemindahtanganan barang milik negara melalui proses hibah kepada masyarakat/pemerintah daerah berlarut-larut dan bagaimana percepatan untuk penyelesaian proses hibah barang milik negara. Penelitian ini dilakukan pada subyek Direktorat Jenderal Ketenagalistrikan dengan obyek penelitian adalah barang milik negara yang direncanakan dihibahkan kepada masyarakat atau pemerintah Daerah. Motivasi dari penelitian ini diharapkan dapat mencari cara dalam menyelesaikan tindak lanjut rekomendasi pemeriksaan Badan Pemeriksa Keuangan pada Direktorat Jenderal Ketenagalistrikan. Selain itu dapat menjadi benchmark bagi unit utama di Kementerian Energi dan Sumber Daya Mineral Metode penelitian yang dilakukan adalah kualitatif deskriptif studi kasus yang berfokus pada subyek Direktorat Jenderal Ketenagalistrikan. Berdasarkan penelitian, diperoleh hasil bahwa implementasi pemindahtanganan barang milik negara melalui proses hibah pada Direktorat Jenderal Ketenagalistrikan belum dapat secara optimal dilaksanakan. Kunci dari proses hibah adalah terdapat surat pernyataan kesediaan menerima hibah dari penerima hibah, beberapa pemerintah daerah tidak berkenan memberikan surat tersebut. Direktorat Jenderal Ketenagalistrikan dapat melakukan pengelolaan atas barang milik negara dimaksud dengan melakukan hibah kepada Pemerintah Desa/Kelompok Masyarakat ataupun melakukan pemindahtanganan melalui proses penjualan/lelang terhadap barang milik negara yang sudah rusak dan tidak dapat dioperasikan lagi atau melakukan penghapusan dengan alasan sebab-sebab lain.
KESIAPAN FASILITAS KESEHATAN PRIMER SWASTA KLINIK PRATAMA DALAM PELAYANAN TBC
Authors: Halawa Serius , Ritonga Imelda Liana 
Published: August 2024

Tuberculosis (TBC) merupakan jenis penyakit menular yang menjadi salah satu dari sepuluh penyebab utama masalah kesehatan dunia karena memiliki dampak buruk hingga pada kematian. Tujuan penelitian ini adalah untuk mengetahui bagaimana kesiapan fasilitas kesehatan primer swasta Klinik Pratama dalam pelayanan TBC. Metode penelitian yang digunakan adalah jenis penelitian deskriptif kualitatif. Lokasi penelitian ini dilaksanakan pada empat Klinik Pratama yang berada di wilayah kerja Puskesmas Terjun Kelurahan Paya Pasir Kota Medan. Waktu penelitian ini dilaksanakan pada bulan Maret hingga Agustus 2023. Jumlah partisipan dalam penelitian ini adalah 8 orang tenaga kesehatan yang bekerja di Klinik Pratama. Data penelitian dikumpulkan melalui wawancara mendalam pada partisipan dan dianalisa secara tematik. Hasil penelitian terdiri dari 5 (lima) tema yaitu : (1) pemeriksaan tuberculosis telah dilakukan, akan tetapi pemeriksaan sputumnya masih dikakukan di puskesmas, (2) lamanya hasil pemeriksaan disebabkan karena jumlah alat yang kurang, (3) pelatihan tuberculosis hanya diikuti oleh tenaga kesehatan tertentu dan (4) pasien tidak kembali ke klinik untuk mendapatkan hasil tuberculosis karena pemahaman pasien tentang tuberculosis masih kurang. Kesimpulan dari penelitian ini adalah klinik pratama sudah siap dalam menangani pasien TBC dan di klinik hanya meyediakan pot untuk sputum terduga pasien, alat pemeriksaan sputum yang terbatas menyebabkan harus menunggu hasilnya dalam waktu dua sampai tiga hari, klinik pratama sudah pernah mengikuti pelatihan akan tetapi yang mengikuti pelatihan hanya orang tertentu saja dan pemahaman pasien tentang tuberculosis masih kurang.
The Impact of COVID-19 Outbreak on the Power Sector in Bangladesh: A Strategic Adoption for Any Pandemic Condition
Authors: Ahmed Kazi Firoz , Imroze Rubaiyat , Faiz Rethwan , Alam Nuzat Nuary , Najibullah Mohammad 
Published: August 2024

In this research all the data sets were gathered during the COVID-19 outbreak. The study presented, however, is applicable to any pandemic scenario in Bangladesh or elsewhere. The lockdown has significantly reduced the demand for power worldwide and altered the makeup of the load and the daily load profile. This is because many offices have switched to home office strategy, which has shortened the operating schedule of many businesses. Considering this, many countries' adoption of lockdown measures to halt the spread of COVID-19 abruptly changed socioeconomic operations, including the power generation industries. To better understand the pandemic's impact on Bangladesh's fossil-fuel based power sector, this study examines renewable energy technologies' roles in creating climate resilient, sustainable energy routes. Research was done for the pandemic lockdown in 2020. Due to the lockdown situation, the power sector witnessed increased overcapacity, and revenue losses. This study looked at the implications on energy demand, load profiles, generation, consumption, generating mix, and expansion of renewable electricity generation. In addition, a suitable generation mix for Bangladesh has been suggested. This sector's resilience has also been assessed to overcome the pandemic crisis and any future pandemic-like emergency. In this research, a well-organized examination of the existing power sector overall plan has also been proposed, focusing on clean energy led power sector development.
Strategi Pemasaran Produk Tabungan Mabrur Junior Pada Bank Syariah Indonesia KCP Aek Kanopan
Authors: Sipahutar Ana Pahira , Sugianto Sugianto 
Published: August 2024

Peneliti ini bertujuan untuk menganalisis strategi pemasaran yang digunakan dalam memasarkan produk tabungan mabrur junior pada Bank Syariah Indonesia KCP Aek Kanopan. Produk tabungan ini ditujukan untuk anak- anak dengan prinsip prinsip syariah yang diintegrasikan. Metode penelitian ini menggunakan penelitian lapangan yang bersifat deskriptif kualitatif. Adapun sumber data yang penelitian ini diperoleh dari sumber data primer dan skunder, dengan teknik studi pustaka, wawancara dan dokumentasi yang bertujuan untuk mendeskripsikan strategi pemsaran produk tabungan mabrur junior yang dilakukan Bank Syariah Indonesia KCP Aek Kanopan. Adapun strategi pemasaran yang diterapkan Bank Syariah Indonesia KCP Aek Kanopan yaitu dengan menerapkan empat unsur yang terdapat pada bauran pemasaran atau biasa disebut dengan marketing mix yakni strategi produk (product), strategi harga (price), strategi tempat (place), strategi promosi (promotion).
Analisis Pengaruh Emisi Karbon Dan Sumber Daya Manusia Terhadap Pertumbuhan Ekonomi: Studi Kasus Sustainable Development Goals Di Indonesia
Authors: Sujatmiko Firman 
Published: August 2024

Pertumbuhan ekonomi menentukan posisi negara di pasar internasional dan pembangunan berkelanjutan adalah untuk mempertahankan posisi di seluruh negara. Pembangunan berkelanjutan tidak hanya dimaksudkan untuk pertumbuhan ekonomi tetapi juga mengarah pada kelimpahan sumber daya dan kemakmuran sosial di dalam negeri. Hubungan antara pertumbuhan ekonomi dan degradasi lingkungan telah menjadi isu hangat selama dua dekade terakhir. Penelitian ini akan menganalisis progam Sustainable Development Goals (SGDs) di Indonesia dengan memperhatikan pengaruh dari variabel penentu pertumbuhan ekonomi seperti emisi karbon dan sumber daya manusia (human capital). Analisis data dilakukan dengan metode analisis regresi linear berganda. Data time series bersumber dari worldbank.org dalam penelitian ini adalah rentang waktu tahun 1995 hingga 2019 Hasil penelitian menunjukkan bahwa emisi karbon berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi sedangkan sumber daya manusia (human capital) tidak berpengaruh pada pertumbuhan ekonomi di indonesia. namun kedua secara simultan emisi karbon dan sumber daya manusia signifikan terhadap pertumbuhan ekonomi.