bluuebunny/crossref_metadata_2025_split huggingface dataset:
The Effect of Short-Term Debt on Profitability among Deposit-Taking Microfinance Institutions. A Critical Literature Review
Authors: Kinyua Jane Njeri 
Published: January 2023

Purpose: Very few deposit-taking microfinances institutions are profitable. Most of them report loses in every financial year. The making of the losses may be a result of inefficiency in short term debts. The overall objective of this study was to examine influence of equity financing on the growth of micro, small and medium enterprises.
Methodology: The paper used a desk study review methodology where relevant empirical literature was reviewed to identify main themes and to extract knowledge gaps.
Findings: From the findings of the study, the study concludes that short term debt had a positive and significant association on the profitability of the deposit-taking microfinance. The study also concludes that short term debt has a positive and significant relationship on the profitability of the deposit-taking microfinance. This means that profitability would increase with a proportionate increase in in the level of the short-term debt when all other factors affecting the profitability of the organizations are held constant. The study showed that when the company borrows, availability of sufficient funds to finance the available assets of the company, which in return improves in the level of performance.
Unique Contribution to Theory, Policy and Practice: Based on the coefficients of determination, the study recommends that policymakers in the microfinance institutions should use short term debt for the financing of the activities. The cost of the short-term debts is minimal and generally offers lower interest charges, and most lenders do not charge interest until all credit allowance period is breached and therefore becomes useful for companies
PENGARUH ENVIRONMENT DISCLOSURE, GOOD CORPORATE GOVERNANCE, DAN ENVIRONMENTAL PERFORMANCE TERHADAP ECONOMIC PERFORMANCE
Authors: Alifah Fauzi  , Dirvi Surya Abbas  , Imam Hidayat  , Triana Zuhrotun Aulia  
Published: January 2023

Sehubungan dengan banyaknya terjadinya bencana alam, perubahan iklim, dan permasalahan lingkungan merupakan masalah yang penting dan menjadi pusat perhatian pada saat ini. Ketiga masalah tersebut merupakan dampak dari pencemaran lingkungan yang salah satunya disebabkan oleh semakin berkembangnya kegiatan di setiap negara. Meskipun pertumbuhan ekonomi meningkat karena adanya kegiatan industri di lain pihak industri juga merupakan penyebab pencemaran lingkungan. Isu lingkungan menjadi masalah penting di berbagai negara khususnya di Indonesia. Permasalahan lingkungan terus menjadi sorotan serta perbincangan dan saat ini dalam dunia bisnis terjadi peningkatan usaha dalam hal pengelolaan serta pelestarian lingkungan, hal ini disebabkan adanya dorongan dari luar perusahaan. Beberapa tahun terakhir ini Indonesia mengalami peningkatan permasalahan pencemaran lingkungan hidup (Suratno, 2006) Dalam Putra & Utami (2017)
PENGARUH NON PERFORMING LOAN DAN DANA PIHAK KETIGA TERHADAP RETURN ON ASSETS PT BANK CIMB NIAGA TBK PERIODE 2013-2020
Authors: Nur’aini Indah Kusumaningrum  , Eko Widodo  , Kukuh Harianto  
Published: January 2023

Perbankan merupakan salah satu penopang terkuat dalam perekonomian Indonesia. Kegiatan bank yang dapat meningkatkan perekonomian negara salah satunya berasal dari tingkat pemberian kredit yang dilakukan oleh bank kepada pihak ketiga dan kepada bank lain. Wabah Covid 19 yang terjadi pada tahun 2020 tentunya berdampak pada sektor perbankan. Salah satu bank swasta yang terdampak adanya pandemi covid 19 adalah PT Bank CIMB Niaga Tbk. Disamping mengalami pertumbuhan pada kredit ritel, Bank CIMB Niaga juga mengalami kredit bermasalah yang cukup tinggi mencapai 2,5% dibanding dengan kondisi normal. Tujuan dari penelitian ini adalah untuk menjelaskan apakah ada pengaruh signifikan antara non performing loan dan dana pihak ketiga terhadap return on asets PT Bank CIMB Niaga Tbk tahun 2013-2020. Hasil penelitian menunjukkan bahwa non performing loan berpengaruh negatif dan signifikan terhadap return on asets dengan nilai t hitung -2,115 dan nilai signifikasi 0,043. Sedangkan dana pihak ketiga berpengaruh positif tidak signifikan terhadap return on asets ditunjukkan dengan nilai t hitung 0,240 dan tingkat signifikasi 0,812. Dan diketahui juga non performing loan dan dana pihak ketiga secara simultan tidak memiliki pengaruh signifikan terhadap variabel terikat dengan nilai 0,109 atau tidak lebih besar dari 0,05.
Effect of different source terms and inflow direction in atmospheric boundary modeling over the complex terrain site of Perdigão
Authors: Venkatraman Kartik , Hågbo Trond-Ola , Buckingham Sophia , Teigen Giljarhus Knut Erik 
Published: January 2023

Abstract. Assessing wind conditions in complex terrain requires computational fluid dynamics (CFD) simulations incorporating an accurate parameterization of forest canopy effects and Coriolis effects. This study investigates how incorporating source terms such as the presence of trees and the Coriolis force can improve flow predictions. Furthermore, the study examines the impact of using different sets of atmospheric boundary layer inflow profiles, including idealized profiles with a logarithmic velocity profile, and a set of fully developed profiles from a pressure-driven precursor simulation. A three-dimensional steady Reynolds-averaged Navier–Stokes (RANS) equations model is set up using OpenFOAM to simulate the flow over a complex terrain site comprising two parallel ridges near Perdigão, Portugal. A 7.5 km×7.5 km terrain of the Perdigão site is constructed from elevation data centered around a 100 m met-mast located on the southwest ridge. A 30 min averaged stationary period is simulated, which corresponds to near-neutral conditions at met-mast Tower 20 located at the southwest ridge. The period corresponds to the wind coming from southwest at 231∘ at 100 m height above ground at Tower 20. Five case setups are simulated using a combination of different source terms, turbulence models and inflow profiles. The prediction capability of these models is analyzed for different groups of towers on the southwest ridge and, on the towers further downstream inside the valley, on the northeast ridge. Including a canopy model improves predictions close to the ground for most of the towers on the southwest ridge and inside the valley. Large uncertainties are seen in field measurement data inside the valley, which is a recirculation zone, and large prediction errors are seen in the wind velocity, wind direction and turbulent kinetic profiles for most of the models. The predictions on the northeast ridge are dependent on the extent of recirculation predicted inside the valley. The inflow wind direction plays an important role in wind profile predictions.
Loving with bell, Leaping with Fanon, and Landing Nowhere
Authors: Malaklou M. Shadee 
Published: January 2023

bell teaches us that love is what makes it possible for life that doesn’t matter—life that doesn’t have access to the timeline of Man (or any timeline)—to matter. She writes, “No matter our place in imperialist, white supremacist, capitalist patriarchal culture, when we do the work of love, we are doing the work of ending domination.” bell calls on us to abandon our (bad) faith in Man’s positivism and progress in favor of another kind of faith: “spiritual awakening.” In what follows, I pair bell’s insight with Fanon’s argument that “occult instability” is what yields revolution, in order to elaborate love in bell’s own words: as “reckless abandon,” as a “spiritual awakening” that asks us to give up on this world in search of an/Other, even (especially) if we do not (yet) know where or how or if we will arrive at that landing.
The Work of Staying-With
Authors: Farred Grant 
Published: January 2023

There is a breathlessness to Frantz Fanon’s Black Skin, White Masks. Fanon leaves us in no doubt that he is an author with a great deal to say about matters, among which racism, colonialism and the effect of both on the black body and psyche are his preeminent concern, that are politically urgent. As they are. Such is Fanon’s urgency that he uses every resource at his disposal – works of literature that turn on the colonial condition, psychoanalysis (from Freud to Lacan with the likes of Mannoni in between), as well as the occasional philosophical invocation (Hegel is a presence if by no means a fleshed-out one; although, it must be said, it is Jean-Paul Sartre who is called to do duty most often). Although Fanon suggests that he considered presenting Black Skin, White Masks as a doctoral thesis, one finds it difficult to imagine such a prospect, in no small measure because the project is so stylistically incoherent. Black Skin, White Masks is an admixture of the anecdotal (Fanon has no trouble extracting political or psychoanalytic conclusions from his personal encounters; a tendency which applies as much to his Martinican past as to his experience of living in France; a tendency that extends to making deductions based on his observations in colonized Algeria), the psychoanalytic, the implicitly philosophical and the rhetorical. That is, the rhetorical in the sense that this is how Fanon structures his argument: through the declarative, through declamation. A scientific work Black Skin, White Masks is not.
The spread of inflation from energy to other components
Authors: González Mínguez José , Samuel Samuel , Leiva-León Danilo , Urtasun Alberto 
Published: January 2023

Rationale
Inflation has risen continuously since December 2020. The increase was initially confined to the energy component, but has subsequently spread to food and the other components. It is important to understand the extent to which the spread of inflation is the result of higher energy prices.
Takeaways
•The influence of energy prices on underlying inflation has increased.
•This is partly due to the larger size of recent shocks, but also to an intensification of the pass-through of the changes in energy prices to other consumer prices.
Making intelligence testing more scientific: Charles Spearman (1863–1945)
Authors: McCredie Hugh 
Published: January 2023

Earlier articles reviewed the use of intelligence tests to resolve specific social problems. The third article addressed those with special educational needs while the fourth article focused on individuals’ military potential in war-time.In contrast, this article explores the nature of intelligence and its measurement. It features the work of Charles Spearman FRS, a former professional soldier turned academic at University College London (UCL) who was strongly influenced by the work of Francis Galton. In his turn, Spearman influenced several mid-twentieth century psychometricians who will feature in later articles.
‘Stepping out’: A thematic analysis of young people’s experiences of an outdoors and greenspaces project
Authors: Williams Candice , Randall James 
Published: January 2023

A week-long outdoor project was held for young people, informed by a narrative therapy approach. This project aimed to offer and explore a non-traditional therapeutic space in CAMHS. Semi-structured interviews highlighted the importance of creativity and meaningful collaboration with young people and community organisations.‘The environment, after all, is where we all meet; where we all have a mutual interest; it is the one thing all of us share. It is not only a mirror of ourselves, but a focusing lens on what we can become.’(Lady Bird Johnson, 1967)
An ACT and physiotherapy group for adolescents experiencing chronic pain
Authors: Algranati Sheli , Lambert Danielle 
Published: January 2023

A pain management group using acceptance and commitment therapy (ACT) principles combined with physiotherapy exercises in the Child and Young People’s Adolescent Clinic is presented. Seven 11/2 hour sessions were run, including interactive learning on key ACT principles and discussion around values and goals. Evaluation demonstrates multiple benefits, including creating a safe space to share the struggles of living with chronic pain, access to multidisciplinary advice, and support from other young people.Image: ‘Weird Monster Creature Party’ by Qubodup. Public domain. Courtesy of Open Clip Art Library.
Demanding disruption: Extinction Rebellion and changing psychology
Authors: Mitchell Annie , Rub Shira , Wainwright Tony 
Published: January 2023

This invited article was completed in April, just one week before the planned, high profile, disruptive activities of Extinction Rebellion (www.xrebellion.org), a new social movement committed to driving social and political change in light of the current environmental and climate crisis. We aim to raise awareness of the movement and its implications for us as clinical psychologists.‘It is worse, much worse, than you think.’ (Wallace-Wells, 2019)‘Extinction Rebellion-4’ by Julia Hawkins (www.flickr.com/photos/8716204@N06). Published under creative Commons Licence Attribution 2.0 Generic (CC BY 2.0) (www.creativecommons.org/licenses/by/2.0).
The experience of running a staff support service for critical care nurses
Authors: Ormerod Jennie , Pearson Stuart , Fisher Chloe , Hudson Rhian 
Published: January 2023

‘The health of those who deliver care to patients will increasingly play a key part in enabling the NHS to meet its aspirations. We recommend that all NHS organisations provide staff health and wellbeing services that are centred on prevention.’ (Boorman, 2009)This account describes the experience of running a staff support service for nurses working in an intensive care unit (ICU).
National and international pathways for counselling psychology
Authors: Pickard Eileen 
Published: January 2023

National and international pathways in counselling psychologyThe proposed Diploma in Counselling Psychology is a significant advance in the development of training and accreditation pathways in counselling psychology. The Diploma, drawn up by a Working Party of the Membership and Qualifications Board of The British Psychological Society, implies a training which is underpinned by psychological principles and experience. It is an articulation of what we understand at this time, by counselling psychology.All this will differentiate counselling psychologists from other professionals and raise questions about how we relate to them and to their accrediting organizations.
The Two-plus-One Model: A dialogue
Authors: Dryden Windy , Barkham Michael 
Published: January 2023

W.D. Can we start the interview by my asking you to describe the nature of the two-plus-one model that was developed in Sheffield?M.B. The model we have developed here at SAPU (Social and Applied Psychology Unit) arose from our wish to address two issues: one academic and one practitioner- oriented. Perhaps it is more useful to focus on the latter because that has more direct relevance to practitioners in the field. What we were concerned about was how to deliver a high-impact but low-cost treatment to clients. We looked at the research literature to try and identify the most effective components in devising a model of therapy. On various criteria derived from the literature, we developed the two-plus-one model which comprises two sessions of therapy one week apart followed by a third session three months later. The rationale for the model stems from our knowing that there is a high impact on clients early in therapy and that subsequently there are diminishing returns. The longer one sees a client, effectively, the less improvement one is getting; one is getting into “fine tuning” and what we wanted was a high-impact treatment in order to reach as many people as possible as quickly as possible in order to reduce waiting lists. In other words, to devise a delivery system in which people who wanted treatment could be seen as quickly as possible via an effective treatment mode! which would either act as a “holding environment” until more long-term treatment became available, or was sufficient as a “treatment episode” in itself to address their immediate problems.
Research Paper - The experience of exile-related stress among Iraqi refugee men in Sweden and its implications for counselling and psychotherapy: A qualitative study
Authors: Al-Roubaiy Najwan Saaed , Owen-Pugh Valerie , Wheeler Sue 
Published: January 2023

BackgroundA growing body of research suggests that exile-related, or post-migration, stressors are responsible for much of the observed distress among refugees. However, few attempts have been made to explore how counselling and psychotherapy can be used to address refugee clients’ experiences of exile-related stress. Additionally, refugees are often discussed in the literature on refugee mental health, yet they are rarely given the chance to describe for themselves their own experiences of post-migration stress. These observations, coupled with my own experiences as an Iraqi refugee and later as a psychologist working with refugees, collectively formed the basis for this study.AimThis study aimed to explore how Iraqi refugee men can experience, and deal with, exile-related stress and what implications these experiences might have for counselling this client group.MethodThe exile-related experiences of 10 Iraqi refugee men, who had lived in Sweden for at least five years, were explored with specific emphasis on social support, acculturation, racial discrimination, and support/help systems. The 10 participants were individually interviewed using semi-structured interviewing. The interviews were conducted in Arabic, translated, transcribed, and then analysed using Interpretative Phenomenological Analysis (IPA).FindingsThree super-ordinate themes emerged from the analysis. Accordingly the main findings were that participants expressed feeling disempowered, racially discriminated against, and generally marginalised by Swedish society. Participants also expressed valuing social support from fellow Iraqis, and described maintaining links to Iraq and Iraqi culture as helpful strategies in dealing with exile-related stress.DiscussionThe findings suggest the need for promoting social justice through empowerment and advocacybased counselling approaches as participant accounts revolved mainly around their experiences of various forms of oppression in Swedish society.
Research Paper A systematic review of qualitative studies on shame, guilt and eating disorders
Authors: Oluyori Tammy 
Published: January 2023

BackgroundThe presence of shame and guilt in eating disorders (ED) has been widely acknowledged in existing literature. The objective of this paper is to review existing qualitative studies linking shame and guilt to ED.MethodsThe first three stages of the main review (literature search, applying inclusion/exclusion criteria to the studies found through the search and assessing the quality of studies which met the inclusion criteria) followed the standard methodologies used within qualitative systematic reviews (SR). The final stage of the SR involved the integration of synthesis of themes about the experiences of shame and guilt in ED population. This stage used techniques from cross case thematic analysis and meta-ethnography, one of the most well developed and frequently used methods of synthesising findings from qualitative studies. Meta-ethnography facilitates the identification of themes, which run both within and across studies.ResultsThe search strategy found 10 studies that met inclusion criteria (i.e. clinical sample). Five of the studies met the quality criteria, and were, therefore, included in the review. Integrating findings across the five studies enabled a rich understanding of shame and guilt and their relation to ED. The synthesis generated four themes (Description of shame and guilt; Responses to shame and guilt; Shame and selfcriticism; and Control). Findings suggest that guilt and shame are difficult experiences; they were described in terms of various negative feelings and cognitions such as anger, anxiety, greed, envy, condemning thoughts about self and others view of self. Shame was found to be more linked to ED severity than guilt, and similarly, shame was found to contribute to both development and maintenance of ED.ConclusionThe SR points to the potential value of using well-conducted qualitative studies to facilitate phenomenological understanding and inform clinical practice. Further research is required to extend the current understanding of the role of shame and guilt in ED.
Methodological Paper Health Technology Assessment methodology: An overview and example of its potential use in the field of Primary Care Psychological Therapies in the NHS
Authors: Southall Rebecca 
Published: January 2023

Content & FocusThis paper introduces the concept of Health Technology Assessment (HTA) as an available research tool to examine the cost-effectiveness and impact of therapeutic interventions on clients’ quality of life. It encourages practitioners to think about how they can use HTA concepts to analyse and present their own clinical outcomes as a means to justify continuing to provide services within the Primary Care Sector as it morphs into its new funding format. This paper aims to describe HTA methodology and how it is used internationally in evidence-based health care practice. The paper aims to give a staged explanation of the phases of the assessment process and their rationale. It aims to consider the strengths and weaknesses of utilising HTAs in general, alongside considerations of future developments in HTA in the field of psychological therapy.ConclusionHTA is undertaken via systematic staged methodology of 10 phases. HTA’s key strength is the high level of external and internal validity of its findings. The weaknesses of HTA include that report findings can have a variable impact on commissioners, policy makers, practitioners and clients; due in part to the choice of dissemination method and also that HTAs can quickly become out of date. Finally, examples are given as to how HTA processes could be used to specifically research and report on Primary Care Psychological Therapy provision in the NHS. It could assist both commissioners and practitioners with making sense of new systems such as Any Qualified Provider and Payment By Results.
Research Paper Retirement Therapy? Older people's experiences of existential therapy relating to their transition to retirement
Authors: Edwards Will , Milton Martin 
Published: January 2023

Background/Aims/Objectives: This study focused on older people’s experiences of existential therapy relating to their retirement transition.Methodology/Methods: Transcripts were analysed using Interpretative Phenomenological Analysis.Results/Findings: Analysis of the transcripts revealed aspects of life that were the focus for therapy and influential factors in their therapeutic experience. Life phase transition and self-constructs were aspects of the retirees’ lives to which they considered their existential therapy had made a particular contribution. Factors that particularly influenced how participants related to their therapists included therapist authenticity in relationship depth, and freedom and opennes.Discussion/Conclusions: The experiences of these retirees suggest that there are distinctive aspects of existential therapy that make it well suited to the issues they faced and that existential therapy may be well suited to the transition to retirement.
A life worth living
Authors: Longhurst Lucy 
Published: January 2023

Context & FocusThis article explores the therapeutic journey between a Counselling Psychologist in Training and a suicidal client over the period of a year An integrative model (drawing on Existential therapy, CBT and ACT) was employed to address multi-faceted and complex issues including the loss of identity, hearing voices, the meaninglessness of life and the explicit wish to die. While this article is based on real clinical work, it draws upon material from several cases and has been fictionalised to preserve anonymity. Further, both the article and the related clinical work complied with the British Psychological Society’s ethical guidelines and those of City University London.