jimnoneill/paper-to-field-training huggingface dataset:
Peran Literasi Keuangan, Locus of Control, Dan Financial Technology Dalam Mendorong Inklusi Keuangan UMKM

MSMEs play an important role in the economy, supported by financial literacy, locus of control, and financial technology. This research aims to analyze the influence of financial literacy, locus of control, and financial technology on the financial inclusion of Micro, Small and Medium Enterprises (MSMEs) in Palopo City. Financial literacy reflects an individual's understanding and ability to manage finances, while locus of control describes a person's level of control over financial events that affect their life. On the other hand, the adoption of financial technology plays a role as a facilitator in increas-ing access to financial services. This research uses quantitative methods with a population of 14.870 and data collection through questionnaires distributed to 120 MSMEs in Palopo City. The research results show that financial literacy, locus of control, and financial technology have a significant influ-ence on financial inclusion. Financial literacy factors and the use of financial technology are the main drivers in increasing the accessibility of financial services, while locus of control contributes to better financial decision making. These findings provide important implications for developing strategies for empowering MSMEs through increasing financial literacy, understanding locus of control, and more optimal integration of financial technology.

Topic: Financial Literacy and Behavior
Subfield: Accounting
Field: Business, Management and Accounting
Domain: Social Sciences
Predictions under Isothermal and Dynamically Changing Conditions

We would like to comment on a point in the paper of Fujikawa and Morozumi (2). The authors demonstrated that the model of Baranyi and Roberts (1) and their model (called model III) gave almost identical specific growth rates under isothermal conditions. Then they obtained predictions under fluctuating temperature conditions by numerically solving the respective differential equations. They found that the predictions based on the Baranyi model significantly overestimated the observed growth, while their model III worked at an acceptable accuracy in that case, too. We point out below that this is a mathematical contradiction. Both models assume that the instantaneous slope of the growth curve is determined by the temperature at that moment, with no delay term in the equation. The model describing the effect of the temperature on the specific growth rate (secondary model) is derived from those isothermal experiments for which the Baranyi model and the authors’ model III gave almost identical rates. Therefore, the two models cannot give significantly different results for dynamic situations. In Fig. 1A, the broken line represents the increase in the bacterial population as the authors produced it by means of the Baranyi model. It shows that between the sixth and the ninth hours of the experiment, the total increase is ca. 3 to 4 log10 units. This corresponds to an overall growth rate of ca. 1 to 1.3 log10 units in an hour, or a ca. 2.3- to 3-h 1 specific rate (measured on the natural-log scale). But such high specific rates were only obtained (by fitting either the authors’ or the Baranyi model to log count data) at optimum temperatures, whereas in the period in question the temperature varied between ca. 20 and 25°C! Figure 1B shows similar inconsistency. We reproduced the authors’ procedure by using their data. Our predicted curves are much slower than the authors’ analogous predictions that they claim they obtained by using the Baranyi model. In fact, our curves were very close to the authors’ predictions that they produced by means of their model III, similar to the isothermal situation.

Topic: Listeria monocytogenes in Food Safety
Subfield: Biotechnology
Field: Biochemistry, Genetics and Molecular Biology
Domain: Life Sciences
Doonloughan: a seasonal settlement site on the Connemara coast

A series of shell middens and miscellaneous habitation sites, located in a dune system in west County Galway, have been exposed and are slowly disappearing through wind, wave and surface erosion. In 1992 a project was initiated to record, sample and date some of these sites and the radiocarbon results demonstrated that activity in the area spanned the Early Bronze Age through to the Iron Age and into the early and post medieval periods. This preliminary fieldwork was succeeded by the excavation of three of the better-preserved sites; a Bronze Age midden in 1994 and two early medieval sites (the subject of this paper), in 1997. The medieval sites dated to the late-seventh to ninth century ad and were represented by a sub-circular stone hut with a hearth and the charred remains of a more ephemeral wooden tent-like structure. The discovery of a bronze penannular brooch of ninth/tenth century date at the latter site would suggest that the settlements are not the remains of transient, impoverished peoples of the lower classes of society, eking out a living along the coast. The calcareous sands ensured good preservation of organic remains—fish and mammal bones, charred cereal grains, seeds and seaweed, and marine molluscs. Analyses of these indicated exploitation of marine resources but, otherwise, were comparable with the diet and economy represented by assemblages from established contemporary site types of the period. Unlike raths, crannógs and monastic settlements, however, the volume of material represented at the Galway sites was slight, despite the excellent preservation conditions. A range of seasonal indicators also suggested temporary habitation: probable late-spring/-summer occupation of the stone hut site and autumnal occupancy of the second, less substantial site. It is suggested that the machair plain, beside which the dunes are located, was most probably the attraction for settlers to the area and was exploited as an alternative pasture for the seasonal grazing of livestock.

Topic: Maritime and Coastal Archaeology
Subfield: Archeology
Field: Arts and Humanities
Domain: Social Sciences
Diverse LEF/TCF Expression in Human Colorectal Cancer Correlates with Altered Wnt-Regulated Transcriptome in a Meta-Analysis of Patient Biopsies

Aberrantly activated Wnt signaling causes cellular transformation that can lead to human colorectal cancer. Wnt signaling is mediated by Lymphoid Enhancer Factor/T-Cell Factor (LEF/TCF) DNA-binding factors. Here we investigate whether altered LEF/TCF expression is conserved in human colorectal tumor sample and may potentially be correlated with indicators of cancer progression. We carried out a meta-analysis of carefully selected publicly available gene expression data sets with paired tumor biopsy and adjacent matched normal tissues from colorectal cancer patients. Our meta-analysis confirms that among the four human LEF/TCF genes, LEF1 and TCF7 are preferentially expressed in tumor biopsies, while TCF7L2 and TCF7L1 in normal control tissue. We also confirm positive correlation of LEF1 and TCF7 expression with hallmarks of active Wnt signaling (i.e., AXIN2 and LGR5). We are able to correlate differential LEF/TCF gene expression with distinct transcriptomes associated with cell adhesion, extracellular matrix organization, and Wnt receptor feedback regulation. We demonstrate here in human colorectal tumor sample correlation of altered LEF/TCF gene expression with quantitatively and qualitatively different transcriptomes, suggesting LEF/TCF-specific transcriptional regulation of Wnt target genes relevant for cancer progression and survival. This bioinformatics analysis provides a foundation for future more detailed, functional, and molecular analyses aimed at dissecting such functional differences.

Topic: Wnt/β-catenin signaling in development and cancer
Subfield: Molecular Biology
Field: Biochemistry, Genetics and Molecular Biology
Domain: Life Sciences
Modified quantum theory of electronic dielectric constant of III–V semiconductors

The relationship between the electronic dielectric constant ε and the interionic separation R for III–V semiconductors has been suitably modified by taking into account the d-core effect. This relation gives excellent agreement between the calculated and observed values of the strain derivatives of ε for GaP and GaAs. The variation of d-core effect with R has also been pointed out.

Topic: Semiconductor materials and devices
Subfield: Electrical and Electronic Engineering
Field: Engineering
Domain: Physical Sciences
Synthesis of Strontium Hexaferrite SrFe12O19

The paper presents the results of testing the technique for obtaining strontium hexaferrite SrFe 12 O 19 by solid-phase synthesis. Using the scanning electron microscope JEOL JSM7001F equipped with an energy dispersive X-ray fluorescence analyzer INCA X-max 80 (Oxford Instruments), the chemical composition of the samples was established in at.%: O – 62,38; Fe – 34.95; Sr – 2.67. A uniform distribution of iron and strontium ions was detected. It was found that the sample obtained are monophasic. The crystal structure was examined by X-ray phase analysis using a Rigaku Ultima IV diffractometer. The crystal lattice parameters of the obtained samples are calculated: – 5,8829(3) ?; c – 23,0391(7) ?; V – 690,52 ? 3 . Using the differential scanning calorimetry method, a Curie temperature of 458 °C was determined on the Netzsch 449C Jupiter.

Topic: Magnetic Properties and Synthesis of Ferrites
Subfield: Materials Chemistry
Field: Materials Science
Domain: Physical Sciences
CP-083 Persistence of firstline biological agents among psoriasis patients

<h3>Background</h3> Biological based therapies, such as subcutaneous anti-tumour necrosis factor α, including etanercept or adalimumab, or ustekinumab, an agent which targets interleukin (IL)-12 and IL-13 cytokines, has greatly improved treatment of psoriasis. Medication persistence, defined as 'the duration of time from initiation to discontinuation of therapy', is an important element in determining the success of any long term therapy. <h3>Purpose</h3> To evaluate the persistence of firstline adalimumab, etanercept and ustekinumab in psoriasis. <h3>Material and methods</h3> Observational, retrospective, longitudinal study. All adult psoriasis (Pso) patients treated with etanercept, adalimumab and ustekinumab as a firstline biological treatment were included. Persistence was calculated as the number of days from the index prescription to the date of the final dispensing or end of the observation period (September 2015). Persistence was also calculated as a dichotomous variable measured at the end of the first, second and third years of therapy (calculated over patients who started treatment 1, 2 or 3 years before the analysis, respectively). For analysis of persistence, a survival analysis with the Kaplan–Meier estimator was used. Cox regression was used to compare persistence between different drugs, and the hazard ratio was calculated. Data were collected from medical and drug dispensation records (Farmatools). Data management and statistical analyses were performed using SPSS Statistics v.15.0 (IBM, Armonk, New York, USA). <h3>Results</h3> 124 patients were included (38.7% etanercept, 41.9% adalimumab and 19.4% ustekinumab). Mean ± SD age was 52.1 ± 14.5 years. 69.4% were male. Persistence rates at the first, second and third years of treatment were 83.0%, 75.0% and 60.5% for etanercept, 63.3%, 54.3% and 48.8% for adalimumab, and 90.5%, 91.8% and 88.9% for ustekinumab. Hazard ratios for comparisons were 0.20 (95% CI 0.05 to 0.84; p = 0,028) for ustekinumab versus etanercept, 0.18 (95% CI 0.045 to 0.77; p = 0.028) for ustekinumab versus adalimumab and 1.10 (95% CI 0.65 to 1.88; p = 0.720) for adalimumab versus etanercept. Estimated mean persistence time was 1.798 ± 205,1.525 ± 173 and 1.889 ± 106 days for etanercept, adalimumab and ustekinumab, respectively. <h3>Conclusion</h3> Persistence was greater in Pso patients treated with ustekinumab than those achieved with etanercept or adalimumab. Time to discontinuation was similar between adalimumab and etanercept. Less than 50% of adalimumab patients persisted by the third year. No conflict of interest.

Topic: Pharmaceutical studies and practices
Subfield: Pediatrics, Perinatology and Child Health
Field: Medicine
Domain: Health Sciences
Optimal design of ride-pooling as on-demand feeder services

The technology-enabled ride-pooling (RP) is designed as an on-demand feeder service to connect remote areas to transit terminals (or activity centers). We propose the so-called ``hold-dispatch'' operation strategy, which imposes a target number of shared rides (termed the ride-pooling size) for each vehicle to enhance RP's transportation efficiency. Analytical models are formulated at the planning level to estimate the costs of the RP operator and the patrons. Accordingly, the design problem is constructed to minimize the total system cost concerning the system layout (i.e., in terms of service zone partitioning), resource deployment (i.e., fleet size), and operational decision (i.e., ride-pooling size). The proposed models admit spatial heterogeneity arising from the non-uniformity of demand distributions and service locations, and can furnish heterogeneous designs. Closed-form formulas for the optimal zoning and fleet size are developed, which unveil fundamental insights regarding the impacts of key operating factors (e.g., demand density and distance to the terminal). Extensive numerical experiments demonstrate (i) the effectiveness of heterogeneous service designs and (ii) the advantage of the proposed RP service with hold-dispatch strategy over alternative designs studied in the literature, i.e., RP with a ``quick-dispatch'' strategy and flexible-route transit, in a wide range of operating scenarios. These findings can assist transportation network companies and transit agencies in successfully integrating RP and transit services.

Topic: Transportation and Mobility Innovations
Subfield: Automotive Engineering
Field: Engineering
Domain: Physical Sciences
Correlation Analysis in Wind Speed and Solar Insolation temporal series in Indian locations

Hybrid Renewable Energy Systems (HRES) with more than one renewable source with appropriate storage can cater to the energy demand in a location when operating in grid dependent or isolated mode. Knowledge of region wise wind and solar potential is essential for optimum design of HRES in a location. Location specific temporal characteristics of renewable parameters have been analysed using Correlation Analysis (CA). This paper presents long term correlation and cross correlation analysis of wind speed and solar insolation across different locations in India. Detrended Fluctuation Analysis (DFA) and Detrended Cross Correlation Analysis (DCCA) has been used for determining the nature of correlations in the non-stationary temporal series. The information relating to the extent of cross correlation between wind speed and solar insolation at different locations will act as a pointer towards optimum region selection and component sizing of HRES.

Topic: Complex Systems and Time Series Analysis
Subfield: Economics and Econometrics
Field: Economics, Econometrics and Finance
Domain: Social Sciences
Ontogenetic Variation in the Byssal Attachment Strength of Modiolus kurilensis Bernard, 1983 (Bivalvia: Mytilidae) in Connection with Spatial Organization in Druses

In October 2015, the strength of attachment to the substrate was studied in the bivalve Modiolus kurilensis in druses on silty sand at a depth of 6–11 m. The byssal attachment strength of M. kurilensis was found to increase substantially during ontogeny. It was dependent on the spatial position of mussels within the druse and differed by a factor of 2–2.5 for individuals of the same size.

Topic: Aquatic Invertebrate Ecology and Behavior
Subfield: Ecology
Field: Environmental Science
Domain: Physical Sciences
Foster Care to Kinship Adoption: The Road Less Traveled

Although a rather extensive literature concerning informal kinship care and kinship foster care has emerged over the past 30 years, much less is known about the children and families involved in kinship adoption. This article pays particular attention to recent research that investigates placement decisions and outcomes for former foster children adopted by relatives. This review suggests conclusions similar to broader reviews, in that kinship placement tends to show some consistently favorable outcomes across a range of study populations and methods. Financial need may be the greatest concern for relatives who adopt. The Fostering Connections to Success and Increasing Adoptions Act of 2008 expands adoption subsidies and provides states with the option of providing ongoing subsidies to certain relatives who take guardianship of family members from the foster care system. However, relative caregivers often are not well informed about financial supports afforded them by federal and state policies. Specialized programs for kinship adoptive families are still limited. Much of the growth of kinship placement has been due to the absence of other placement options for many children and value-based decision making that places a premium on kinship, rather than on evidence of the advantages of kinship adoption.

Topic: Child Welfare and Adoption
Subfield: Safety Research
Field: Social Sciences
Domain: Social Sciences
Implementing the High Level Architecture in the Virtual Test Bed

The virtual test bed (VTB) is a prototype of a virtual engineering environment to study operations of current and future space vehicles, spaceports, and ranges. The high-level architecture (HLA) as defined by the Department of Defense (DoD), is the main environment. The VTB/HLA implementation described here represents different systems that interact in the simulation of a space shuttle liftoff. This example implementation displays the collaboration of a simplified version of the space shuttle simulation model and a simulation of the launch scrub evaluation model. Spaceports and ranges are complex systems. This VTB framework is a collaborative computing environment that integrates in a seamless fashion simulation models that represent the different stages in the lifecycle of a complex system. A complex system is a non-linear system of systems whose interactions bring together interesting emergent properties that are very difficult to visualize and/or study by using the traditional approach of decomposition.

Topic: Simulation Techniques and Applications
Subfield: Management Science and Operations Research
Field: Decision Sciences
Domain: Social Sciences
Soft Spaces, Fuzzy Boundaries, and Metagovernance: The New Spatial Planning in the Thames Gateway

This paper examines the changing practices of spatial planning, critically engaging with state theory to argue that a new generation of ‘soft spaces’ and ‘fuzzy boundaries' occupies a key position in the emergent planning system. In the process we question whether privileged scales and sectors can meaningfully be identified in current state-restructuring processes. We use interviews with key national policy makers and a case study of the Thames Gateway to test our ideas.

Topic: Urban Planning and Governance
Subfield: Urban Studies
Field: Social Sciences
Domain: Social Sciences
Inclusive health and life insurance adoption: An empirical study in Guatemala

Abstract In this paper, we analyze the decision to buy inclusive health and life insurance in Guatemala within a theoretical framework driven by new personality and cognition theories combined with traditional insurance theory. We designed and conducted a survey of samples of both non‐insured individuals and clients of Seguros Universales, one of the principal inclusive insurance providers in Guatemala. Our results show that personality traits and time preferences are strongly associated with an individual's decision to hold an insurance contract. We also find evidence that certain combinations related to health habits and personality traits can have an impact on such a decision.

Topic: Financial Literacy, Pension, Retirement Analysis
Subfield: Accounting
Field: Business, Management and Accounting
Domain: Social Sciences
Gouttes de fluide magnétique en champ tournant : théorie, expériences et simulations

Due to a combination of responsiveness to external magnetic fields and their deformability, magnetic fluid droplets make an interesting material that has found many applications in microfluidics. This work explores the dynamics of such droplets in a rotating magnetic field. The droplets are examined using multiple approaches – theoretically, experimentally and using simulations. When the rotating magnetic field is weak and the droplet’s deformation is small, the droplet’s motion is calculated analytically. It is found that the droplet’s shape evolution is governed by a system of three nonlinear differential equations. In the small deformation limit, the motion of the droplet is qualitatively governed by a parameter proportional to the capillary number – the ratio of viscous drag to surface tension forces. The experimental observation of magnetic droplets obtained by the separation of a ferrofluid in two liquid phases, qualitatively follows the analytic solution, however, there is a significant quantitative discrepancy. A simulation based on the boundary element methods is developed to calculate the dynamics of the droplets up to medium deformations. It is found that good mesh maintenance is required to produce accurate simulation results. A phase diagram is produced, which shows the droplet dynamics depending on the rotating field strength and frequency. Finally, the collective dynamics of the droplets is examined experimentally. For a certain magnetic field strength and frequency, the droplets form rotating ensembles with a triangular order - two dimensional rotating crystals. The dynamics of small ensembles is reproduced by treating the droplets as point torques.

Topic: Characterization and Applications of Magnetic Nanoparticles
Subfield: Biomedical Engineering
Field: Engineering
Domain: Physical Sciences
Cata - a former homeland village affected by Betterment, Eastern Cape, South Africa

This study focus on the house ruins and land use in Nyokana, a former village section in Cata, by looking at their location, number and the people who lived there and their living before the Betterment plan was carried through. This is done by studying an old map and documents of Cata, field studies with GPS-using and by interviewing mostly old inhabitants. The result is a basis for the development of the planned tourism track within the heritage project, wich runs by BRC and University of Fort Hare.

Topic: Urban and Rural Development Challenges
Subfield: Urban Studies
Field: Social Sciences
Domain: Social Sciences