bluuebunny/crossref_metadata_2025_split huggingface dataset:
Determinant of Qard: Evidence from Indonesian Islamic Rural Banks
Authors: Fitriyani Yeny , Lidasan Mussollini Sinsuat 
Published: March 2024

This study was conducted to offer an assessment of the qard factors, concerning Indonesian Islamic Rural Banks. To conduct this analysis, data from Indonesian Rural Banks and macroeconomic panels were used. In addition, an approximated generalized method of the moment was also used to report qard determinants from 2012-2022. The results showed that Return on Assets (ROA), Bank Operational Costs to Operating Income (BOPO), and inflation negatively impacted the distribution of qard, while Non-Performing Financing (NPF) variable indicated a positive and significant impact. Valuable recommendations were formulated by comprehending the interplay between profitability ratios and macroeconomic conditions. These recommendations informed the development of products within the context of BPRS and Sharia banking, contributing to rural economic growth through qard financing. This study developed BPRS and Sharia banking products to increase rural economic growth. Qard financing served as an essential resource for individuals who did not meet the eligibility criteria of conventional banks. The adoption and expansion also promoted financial inclusion for marginalized communities.
Green Practices of Travel Agents and Tour Operators in Southern Cagayan Valley, Philippines
Authors: Barroga Maricel B. 
Published: March 2024

Purpose of the study: This study aimed to assess the green practices of travel agents and tour operators in Southern Cagayan Valley, Philippines in terms of energy efficiency, waste minimization and water consumption.
Methodology: This study used a quantitative descriptive methodology. The research instrument was adapted from Ahmad (2013). The survey respondents are fifty six (56) travel agents and tour operators in the provinces of Quirino, Nueva Vizcaya and southern part of Isabela. All data were analyzed using SPSS. To arrive at the result, the following statistical tool were used: Non-parametric test were employed to identify the significant difference including Mann-Whitney U test and Kruskal Wallis test.
Main Findings: Findings revealed that green practices along with energy efficiency were mostly practiced, and waste minimization were often executed. However, for water consumption, three items were often and other two were just rarely practiced by the respondents. This paper suggests a plan of action in enhancing green practices used by businesses in travel and tours.
Applications of the study: This paper will be useful to travel agencies and operators in creating methods and policies to further increase tourism sustainability. This could also raise awareness among tourism officers and policy makers about the nature of the prevailing business practices, enabling them to identify key concerns in management policy and the creation of new skills that will promote sustainable tourism.
Novelty/Originality of the study: This study offers fresh insights that could contribute to the deeper understanding of the green practices as well as the challenges and opportunities inherent in promoting sustainability in the tourism industry of Southern Cagayan Valley.
Proposta de modelo de indicadores sustentáveis para cadeia produtiva da carne bovina brasileira
Authors: Vilanova Miguel Eugenio Minuzzi , Bazanini Roberto 
Published: March 2024

Este artigo tem como objetivo propor um modelo de sustentabilidade aplicado para a cadeia produtiva da carne bovina brasileira. O modelo proposto integra os indicadores de sustentabilidade dos modelos corporativos e também os identificados na literatura, atendendo às dimensões social, econômica e ambiental do Triple Botton Line, acrescido da governança corporativa da Environmental, Social and Corporate Governance (ESG), bem como os pressupostos do Stakeholder Capitalism. Sendo o objeto de estudo das ciências humanas construído historicamente e em constante estado de mudança e transformação, pesquisou-se na literatura lacunas nos modelos que pudessem servir de parâmetro para a criação de um modelo que contemplasse essas lacunas. A partir dessa busca identificou-se 11 modelos de sustentabilidade. Desse quantitativo de modelos identificou-se três que eram específicos para o setor do agronegócio. Como resultado, foi proposto o modelo Vilanova e Bazanini de sustentabilidade. O modelo é composto por quatro dimensões: econômica, ambiental, social e governança e 21 indicadores, sendo 4 econômicos, 8 ambientais, 4 sociais e 5 da governança. A contribuição da pesquisa consiste em apresentar para a academia um ferramental metodológico específico para ser aplicado junto à cadeia produtiva da carne bovina no combate às práticas de greenwashing por meio de indicadores que atendem as especificidades das regiões pesquisadas, critérios esses, não contemplados nos modelos pesquisados.
Financial Inclusion in Muslim-Majority Countries: Overcoming Economic and Social Challenges Through Islamic Lending
Authors: Ahmed Hassan Ramzi Abdullah 
Published: March 2024

This study explores the impact of Islamic loans on promoting financial inclusion and addressing socio-economic issues in Muslim-majority countries. It compares Islamic loans with other financial instruments to demonstrate their contribution to creating an inclusive financial system.The research analyzes the challenges associated with using Islamic loans to enhance financial inclusiveness and mitigate economic and social challenges. The research explores the unique characteristics of Islamic loans and their impact on financial accessibility, savings, credit availability, and comprehensive banking services through a comparative descriptive methodology, including a literature review and data analysis. The study's findings reveal that Islamic finance presents opportunities for financial inclusion. However, there are several obstacles that need to be addressed, including regulatory and legal frameworks, scalability issues, global integration, public awareness, and technical accessibility. To promote the adoption of Islamic finance and advance financial inclusion, collaboration among regulatory bodies, financial institutions, legislators, and the public is crucial. Further research and the development of effective strategies are necessary to promote financial inclusion in the Islamic economy.
PENERAPAN PEMBELAJARAN BERDIFERENSIASI UNTUK MENINGKATKAN MINAT BELAJAR SISWA
Authors: Masruhan  , Arif Rahman Hakim  
Published: March 2024

Abstrak
Pembelajaran dalam Lembaga Pendidikan khususnya di dalam kelas pada dasarnya harus terlaksana secara menyenangkan, interaktif, menantang, inspiratif guna memberikan motivasi serta dorongan kepada para siswa agar selalu berperan aktif dalam kelangsungan pelaksanaan pembelajaran di kelas, serta memberikan kebebasan kepada peserta didik dalam mengembangkan bakat maupun kemampuan kognitif dan psikomotorik. Hal tersebut sejajar dengan konsep yang ada pada pembelajaran model berdiferensiasi yang mana di dalamnya terdapat beberapa model pembelajaran lagi yang dibungkus rapi dengan menggunakan konsep berdiferensiasi dan dilaksanakan dalam satu waktu. Dalam penelitian ini penerapan model berdiferensiasi dinilai berhasil dalam meningkatkan minat belajar siswa dan sudah terbukti dengan peningkatan partisipasi siswa serta hasil belajar yang tergolong tinggi. Dalam penelitian ini model pembelajaran berdiferensiasi membungkus tiga model pembelajaran yang ada di dalamnya, yakni: pembelajaran auditori, pembelajaran visual, dan pembelajaran kinestetik. Para peserta didik terbukti bisa berhasil dikarenakan dengan adanya penerapan model tersebut pesrta didik dapat memilih model pembelajaran sesuai dengan yang diminati dengan melakukan survei minat belajar melalui angket google form yang diberikan sebelum penerapan program pembelajaran tersebut diterapkan. Berkat kerjasama yang solid dari semua pengelola manajemen pendidikan di lembaga tersebut akhirnya penerapan model pembelajaran berdiferensiasi berhasil sesuai yang diinginkan pada rancangan sebelum-sebelumnya. Selain itu cara penerapan kepada siswanya juga terstruktur secara bertahap namun tidak keluar dari batasan maupun aturan yang mengikat, sehingga peserta didik mudah dalam menerima penerapan model pembelajaran berdiferensiasi.
Kata Kunci: Pembelajaran, Minat belajar, Minat belajar
3D Printed Triply Periodic Minimal Surface Ceramic Scaffold Loaded with Bone Morphogenetic Proteins-2 and Zoledronic for Cranium Defect repairment
Authors: Yan Junteng , Qi Shuhao , Zhao Yiwei , Tian Peng , Kong Ning , Ma Weigang , Yan Peng , Zhang Jiewen , Gao Xu , Guan Huanshuai , Yang Pei , Wang Kunzheng , Lian Qin 
Published: March 2024

Abstract

Managing large, critical-sized bone defects poses a complex challenge, especially when autografts are impractical due to their size and limited availability. In such situations, the development of synthetic bone implants becomes crucial. These implants can be carefully designed and manufactured as potential bone substitutes, offering controlled parameters such as porosity, hardness, and osteogenic cues. In this study, we employed digital light processing (DLP) technology to construct an alumina ceramic scaffold featuring a triply periodic minimal surface (TPMS) structure for bone transplantation. The scaffold was filled with type I collagen to enhance cell infiltration, thereby increasing the total surface area. Furthermore, the scaffold was functionalized with type I collagen, serving as a carrier for bone morphogenetic proteins-2 (BMP-2) and zoledronic acid (ZA). Using a clinically relevant rabbit cranium defect model, the scaffold underwent in vitro biocompatibility testing and in vivo assessment for its functionality in repairing critical-sized bone defect (approximately 8 mm). Our animal-based study results revealed that the Gyroid scaffold, functionalized with bioactive molecules, provided a conductive surface for promoting increased bone formation and enhancing the healing process in critical-sized long bone and cranium defects. These findings offer preclinical evidence supporting the use of a triply periodic minimal surface structure composite scaffold and present compelling support for its application as an advanced synthetic bone substitute in the future.
Improving Healthcare through Digitization: Assessing the Effectiveness of a Training Program for Employees at a Tertiary Care Hospital in South India
Authors: Sanil Deekshitha , Sadineni Harshavardhan Sai , Somu G. , D’Souza Roopa Priyanka , Kamath Rajesh 
Published: March 2024

Abstract
Background
The significance of information in the present era is unprecedented, and digitization has revolutionized industries and data storage methods. eLearning has emerged as a customised and cost-effective solution to address the limitations of traditional learning approaches. In a super-specialty tertiary care teaching hospital in South India, the need for effective and efficient training methods for nurses prompted the implementation of a newly developed digital learning tool.
Methods
This quasi-experimental pre-test post-test study involved 120 randomly selected nurses. A standardized questionnaire assessed the effectiveness and satisfaction levels of the newly implemented digital learning tool.
Intervention:
The hospital integrated the digital learning tool into the training program for nurses. Sensitized the participants through demonstrations, providing designated eLearning champions for support, and implementing a structured training process with pre-test, training material access, post-test, and feedback collection to assess effectiveness and satisfaction.
Results
The project yielded a net response rate of 83.3% among the recruited participants. Statistical analysis using Wilcoxon's Signed Rank test (p < 0.00001) and McNemar's test (p = 0.0077) demonstrated a significant increase in mean test scores and satisfaction rates after the implementation of the digital learning tool. Furthermore, a cost analysis revealed that the hospital saved a total value of Rs. 3,30,933.6/- through the newly implemented digitized training program.
Conclusions
This study highlights the importance and effectiveness of e-learning as a valuable learning tool for nurses, considering their work needs and conditions. Digitizing training processes enables hospitals to enhance training program coordination, monitor learner progress, and improve the learning experience.
Analysis of the indirect correlation between academic achievement, intrinsic and extrinsic motivation, and self-efficacy on teaching readiness
Authors: Umara Andi Maga , Pardjono Pardjono , Pratama Galeh Nur Indriatno Putra 
Published: March 2024

This research aims to determine the indirect correlation between academic achievement, intrinsic motivation, extrinsic motivation, and self-efficacy on the teaching readiness of education study program students. This type of research is quantitative and inferential in testing the hypothesis. This research was conducted in October 2022, and the subjects in this study were 167 students from the Universitas Negeri Gorontalo classes of 2018 and 2019. The sampling technique used is saturated sampling, which is used to select samples that include every member of the population. The instrument used in this research is a questionnaire that has been validated by experts and has been tested for validity and reliability. The results of the research show that (1) There is an indirect positive influence between academic achievement on teaching readiness through self-efficacy by 20.9%, intrinsic motivation on teaching readiness through self-efficacy by 74.1%, and extrinsic motivation on teaching readiness through self-efficacy by 43.3%; (2) There is a direct positive influence between self-efficacy on teaching readiness by 42.9%. Thus, self-efficacy is directly related to teaching readiness and can mediate the relationship between academic achievement, intrinsic and extrinsic motivation, and teaching readiness. The findings of this research can be used to develop and evaluate engineering education study programs that will prepare graduates to become teachers.
Evaluation of student internship programs to support the sustainability of vocational education institutions and industrial cooperation programs
Authors: Suhartanta Suhartanta , Soewito Ngatman , Hiryanto Hiryanto , Sugesti Nunik , Efendi Yosep , Rahayu Siti Perdi , Kamin Yusri Bin 
Published: March 2024

The internship program is an annual routine activity in all faculties at Universitas Negeri Yogyakarta (UNY). This program implements a link and match between educational institutions and industry but has not been evaluated comprehensively. Therefore, conducting program evaluation research using the Context, Input, Process, and Product (CIPP) model is important. The type of research used is program evaluation research with the CIPP model. Data collection techniques in this research used questionnaires, interviews, and focus group discussions. The research subjects were UNY students who were grouped into four groups. Data were analyzed descriptively and quantitatively. The results showed that the context aspect of the internship program (goals and objectives) was in accordance with the graduate profile set at UNY. However, the general policy for organizing internships during the pandemic still needs to be developed. The systems and procedures of the academic community support the internship program, but there is still a need to improve cooperation documents and internship information systems for all faculties. The implementation of the internship program is in accordance with the activity plan set at UNY, but SIPKL needs to be developed to equalize the perception of field supervisors. The product of the internship program is in accordance with the goals and objectives set at UNY, but some students (34.16%) still have not received a job offer from the internship site. The results of this research can contribute to developing a quality-oriented internship program, which will then positively impact the cooperation relationship between universities and industry. Thus, a good working relationship will benefit both parties and potentially develop cooperation in other programs.
THE IMPACT OF TRIPLE F-CRISES (FUEL, FOOD, AND FINANCE) ON HOUSEHOLD CONSUMPTION IN INDONESIA
Authors: Sriyanto Sriyanto , Tambunan Maria R.U.D. , Arifin Bondi 
Published: March 2024

Post-pandemic challenges are more formidable than during the pandemic. Global supply chain disruptions, geopolitical tensions, the war in Ukraine, and global warming all contribute to the emerging triple crises of fuel, food, and finance. These crises most affect vulnerable households. This study aims to examine the effects of the triple crises on household consumption using consumption theory based on the Keynesian economic model. This research performs a multiple regression model with time-variant and spatial fixed effects and clustering methods on four lower-decile of households across four years, 2019 – 2022, using Susenas data. The findings of the analysis are that the triple crises negatively impact household consumption, with the fuel and food crises showing a significant effect, while the financial crisis does not directly affect consumption. The study proposes a policy recommendation for the government to compensate households for the negative impact of the crisis by providing the amount and the type of policy. In addition, it is best to consider the timing and collaboration opportunity in the implementation phase and set policy success indicators for macro and micro evaluation.
Go digital MSMEs training to support women's empowerment program on Laiya Island, South Sulawesi
Authors: Seniwati S. , Atiyah Ummu , Rahmatia R. , Lumumba Patrice , Amri Khairul 
Published: March 2024

This community service activity aims to provide knowledge about the benefits of the digitalization program and the importance of empowering women to achieve gender equality and to improve people's skills in using digital systems by utilizing marine products by making and processing fish balls and learning how to package them. Community service activities were carried out on Laiya Island, Pangkep Regency, South Sulawesi Province, Indonesia from March to June 2023. This activity is divided into two stages. The first stage is digital marketing outreach and women's empowerment. At this stage, the proposing team provided material about the importance of empowering women, especially in processing marine products. We also explained the importance of empowering MSMEs by involving women on the island. In the second stage, we conducted training on the use of marine products, especially fish, as the main livelihood on this island. We teach participants how to process and package fish balls and market them online. One of the market attractions lies in digital packaging and marketing. Participants who take part in this activity generally understand how to make packaging in a simple way. At this level, participants are able to explain the importance of women's empowerment programs in supporting the improvement of community or family welfare. The results of the service increase participants' understanding and skills in online social media at the basic stage.
Effects of Soaking Time and Peppermint Oil Concentration on Chemical, Sensory, and Antibacterial Characteristics of Robusta Coffee (Coffea canephora)
Authors: Thaliarinanta Angela Saraz , Kustyawati Maria Erna , Hidayati Sri , AS Suharyono , Nurdin Samsu Udayana 
Published: March 2024

The increase in public coffee consumption is influenced by lifestyle, technological support and the emergence of various choices of coffee. Herbal coffee is generally made by adding herbal powder, infusion, and drying. Soaking techniques with peppermint oil to make herbal coffee have never been studied. The purpose of this study was to determine the effect of robusta coffee treated with soaking time and peppermint oil concentration on chemical characteristics, sensory and antimicrobial activity. Randomized Complete Group Design method with two factors was performed in this study. The first factor is soaking time (L) which consists of 0 (L0), 5 (L1), and 10 (L2) min. The second factor was peppermint oil concentration consisting of 0% (K0); 0.5% (K1); and 0.75% (K2). The results showed that the soaking time and concentration of peppermint oil can increase the water content and pH. The peppermint coffee showed antimicrobial activity against Salmonella typhi and Eschericia coli bacteria with an inhibition diameter of 8.72-13.16 mm and 9.88-12.24 mm, respectively. The peppermint coffee of L1K1 treatment (5 min soaking time; 0.5% peppermint concentration), is preferred by panelists with sensory test scores on taste (6.15), aroma (7.09), aftertaste (5.32), and overall (6.16). Keywords: Coffee bean, Concentration, Peppermint oil, Robusta coffee, Soaking time.
Kapsayıcı Çocuk Kütüphanesi Hizmetleri: Otizm Tanılı Çocuğa Sahip Ebeveynlerin ve Kütüphane Personelinin Görüşleri
Authors: Kaptan Nilay , Pektaş Karabekir Esin , Yilmaz Arif , Ergenekon Yasemin 
Published: March 2024

Amaç: Bilgi tüm insanlık için temel bir ihtiyaçtır. Bireylerin bilgiye erişebilmesini kolaylaştıracak önemli kurumlardan biri kütüphanelerdir. Bu araştırmada OSB tanılı çocuğa sahip ebeveynlerin ve kütüphane personelinin görüş ve deneyimlerine göre OSB olan çocukların ve ebeveynlerinin kütüphane kullanımının incelenmesi hedeflenmiştir.
Yöntem: Bu amaç doğrultusunda araştırma, nitel araştırma yaklaşımlarından durum çalışması olarak gerçekleştirilmiş ve çalışmada çoklu durum analizi kullanılmıştır. Araştırmaya yedi kütüphane personeli, sekiz OSB tanılı çocuğa sahip ebeveyn gönüllü olarak katılmıştır. Yarı-yapılandırılmış görüşmeler yoluyla toplanan veriler tematik analiz yoluyla analiz edilmiştir.
Bulgular: Araştırmada elde edilen verileri çocuk kütüphanelerinin yedi kriteri olan “kütüphanelerin misyonu ve amaçları, insan kaynakları, yeterlikler ve bilgi, derme geliştirme ve yönetimi, programlar ve sosyal yardım faaliyetleri, mekân tasarımı ve hoş bir mekânın oluşturulması, pazarlama ve tanıtım, değerlendirme ve etki” kapsamında değerlendirilmiştir. Söz konusu yedi kriter doğrultusunda yapılan analiz sonucunda “kütüphaneye ilişkin algı”, “kütüphane kullanımına yönelik engeller”, “kütüphanelerin yapacağı çalışmalara ilişkin beklentiler”, “personel algısı”, “materyal türü ve özellikleri”, “program ve etkinliklere ilişkin beklentiler”, “kütüphanede verilen hizmetler”, “kapsayıcı iç mekân”, “bilgilendirme ve farkındalık”, “bütüncül ve çoklu değerlendirme yapılması” olmak üzere 10 temaya ve alt-temalara ulaşılmıştır.
Sonuç: Bulgularda verilere dayalı olarak ulaşılan temalara ilişkin ebeveynlerin ve kütüphane personelinin görüşleri karşılaştırmalı olarak sunulmuş, bulgular alanyazına dayalı olarak tartışılmıştır. Sonrasında ise araştırmadan elde edilen bulgular dikkate alınarak OSB olan çocuklar ve ebeveynlerine hizmet sağlayan kütüphanelerin yeni rolleri için yapabileceği çalışmalara ilişkin öneriler sunulmuştur.
Özgünlük: Bu çalışmada OSB olan çocuklar ve ebeveynlerinin kütüphane hizmetlerinden yararlanabilecekleri vurgulanmıştır. Çalışmanın bulgularının alana özgün olarak katkı sağlayacağı düşünülmektedir. Çalışmanın bulguları aracılığıyla OSB olan çocukların ve ailelerinin kütüphane hizmetlerinden yararlanmaları için kütüphane hizmetlerini iyileştirme çalışmalarına katkı sağlanabileceği düşünülmektedir. Ayrıca bu çalışmanın OSB olan çocukların ve ailelerinin kütüphane kullanımına ilişkin yapılacak yeni çalışmalar için öncü ve yönlendirici olabileceği öngörülmektedir.