Websites Of Authorities Research Articles

MANAGING FINANCING RISK OF ISLAMIC BANKING PRODUCTS IN INDONESIA: A VALUE AT RISK APPROACH

This study aims to assess the potential risk and anticipated returns of equity and debt-based financing products in Islamic banking in Indonesia, represented by the three most prevalent contracts: musharakah, mudharabah, and murabahah. Data was collected from banks' monthly financial reports published on the Indonesia Financial Service Authority (OJK) website from 2014 to 2020, resulting in 82 observations. Data analysis was conducted using the Value at Risk (VaR) method with the variance-covariance approach. Among many methods, VaR is one of the most popular techniques that yields the most comprehensive results in measuring risk and return. The findings reveal that, in general, all equity and debt-based financing yielded stable risk and returns. However, equity-based financing produced higher returns, but also generated higher risks due to its uncertain nature. The results also demonstrate that risk management in Islamic banks improved gradually during the observation period, as indicated by the average score of portfolio combinations. These findings suggest that Islamic banks should balance their product offerings between equity-based financing and debt-based financing while simultaneously strengthening risk management, especially for murabahah products in equity-based financing.

PENGARUH JUMLAH KREDIT DAN PEMINJAM TERHADAP STABILITAS SISTEM KEUANGAN PADA FINTECH PEER TO PEER LENDING TAHUN 2019 SAMPAI 2022

This study aims to determine the effect of credit and the number of borrowers in Fintech P2PL services on financial system stability from 2019 to 2022. The source of research data comes from secondary data, which comes from fintech statistics found on the Financial Services Authority (OJK) website. The research uses a quantitative approach with time series data analysis using Ordinary Least Square (OLS). The results of the study show that Fintech credit has a positive but not significant effect on financial system stability. The number of borrowers in P2PL fintech services as a form of financial inclusion has a negative and significant impact on financial system stability. This study has the implication that short-term credit provided by fintech does not affect financial system stability, while the number of borrowers in P2PL fintech services causes a decrease in financial system stability so that increased financial inclusion must be accompanied by strong risk mitigation to maintain financial system stability.

Green finance for mitigating greenhouse gases and promoting renewable energy development: Case study in Taiwan

<abstract> <p>In recent years, the tools of green finance have evolved to foster green economic growth like renewable energy and climate change mitigation. Taking a case study of Taiwan not yet reviewed in the literature, the present study aimed to conduct a preliminary analysis for exploring the amazing growth in renewable energy over the past fifteen years (2010–2023) in connection with the achievements of green finance promotion over the past five years (2018–2022). The updated database was accessed on the websites of Taiwan's competent authorities. This work was divided into the following main parts: Taiwan's carbon neutrality policy and sustainable development goals (SDGs) relevant to green finance, the regulatory promotion for green finance action plans in Taiwan, and the status of green finance measures and achievements in Taiwan. The findings supported the idea that the implications of green policies for unlocking green finance and green investment significantly enhanced a positive influence on green energy industry development in Taiwan. In this regard, it showed the amazing growth of renewable energy generation, particularly in solar photovoltaics (PV) power and offshore wind power, since 2010. These findings were similar to those in Asian countries like China and Japan. Responding to Taiwan's SDGs policy by 2030 and the net-zero emissions in 2050, aspects relevant to climate change mitigation and adaptation were investigated in order to focus on the use of green finance tools.</p> </abstract>

What is known about smart ports around the world? A benchmarking study

Approximately 80% of global trade is transported by sea, so ports must adjust to sustain competitiveness in the market. For this, ports are making a transition from traditional ports to digital ports, incorporating technology, giving rise to the concept of “Smart Port”. Considering the relevance and novelty of this topic, that researchers are trying to investigate, the main objective of this work is to contribute to it by answering the question: “What is known about smart ports around the world?”, with a focus on the impacts of smart ports on sustainable development goals (SDG) 8 (decent work and economic growth), 9 (industry, innovation, and infrastructure) and 11 (sustainable cities and communities). Thus, a Google search was carried out on the different websites of port authorities and maritime data solutions, to perform a benchmarking of what is already a reality regarding existing smart ports. Therefore, this study has contributions both at the theoretical level, by identifying good practices in terms of technology and initiatives, to bring knowledge to the academia about what already exists in smart ports, and at the practical level, by helping other seaports to advance in the digital state and become more intelligent, providing ideas for the implementation of initiatives that allow the modernization of ports (contributing to sustainability in different dimensions).

Negative Ecological Impacts of Wind Power, Hydropower and Geothermal Energy

With the rapid development of the global economy and increasing population, the demand for energy is growing. Clean energy technology has received a lot of attention in recent years, and it has solved the traditional energy sources such as coal and oil to a great extent, but it still has some negative effects on the environment. This paper obtains data on ecosystems from authoritative websites and published papers in various countries. Use these data to show the changes in the ecological environment before and after the development of clean energy. It has been found that wind power could reduce environmental pollution and water consumption. However, it causes visual interference, noise pollution and negative impacts on wildlife. Hydropower stations generally have comprehensive economic benefits such as flood control, navigation, aquaculture, landscaping and tourism. However, large reservoirs cause extensive inundation upstream of the dam and also affect plant-side aquatic ecosystems. The main environmental problems in the development of geothermal energy are the emission of toxic gases, the overuse of water resources, the negative impact of heavy metals on agriculture and the inefficient use of geothermal energy. In order to minimize the environmental problems associated with the development of various energy sources, it is hoped that the government will support the development of scientific and technological innovations through policies that regulate the development of energy sources.

SPATIAL FEATURES AND SOCIO-ECONOMIC PROBLEMS OF FORCED INTERNAL DISPLACEMENT IN THE ODESA REGION

Problem Statement and Purpose. In today's context, migration is becoming one of the most important issues for Ukraine. The socio-economic disparities in each region of the country are largely influenced by large-scale forced internal migration, which has both positive and negative aspects. Timely identification of problems and development of solutions to them makes it possible to bring the situation under control. Odesa region is a leader among the southern regions of the country in terms of the number of registered internally displaced persons (IDPs). The relevance of the study of this type of migration is due to its impact on the socio-economic status of communities and the level of integration of IDPs in the region. The article presents a structural, dynamic and regional analysis of the movement of internally displaced persons in Odesa region. In the course of the study, the trends in the distribution of internal migrants and the factors that influence it were identified. The positive and negative factors of this type of migration on the socio-economic status of the region's communities are analyzed. Ways to solve these problems were proposed. Data & Methods. The study of the processes of forced internal migration of the population was based on a documentary analysis of the legislative framework and policy on migration processes in Ukraine. For the statistical analysis, data from the official websites of the relevant executive authorities of the country, the administration of Odesa region and the International Organization for Migration in Ukraine were used. To achieve this goal, the following methods were used: dialectical, empirical, modeling, and comparison. Results. The study of the movement of forced internal migration in Odesa region found that the rapid growth of new population is affecting the economic, environmental, and socio-cultural spheres of the region. The analysis of migrants' settlement in the region showed that the settlement is uneven. The leader in terms of the number of registered migrants among the seven districts of the region is Odesa district with the regional center of Odesa, with 93524 people registered as of January 2023, which is 67% of the total number of registered IDPs. This indicates that IDPs choose settlements with developed infrastructure, high economic and social standards of living of the local population, and a larger number of support programs from local governments aimed at solving problems and supporting IDPs. The overwhelming majority of migrants come from Mykolaiv and Kherson regions, due to the territorial proximity of these southern regions. The study identified the factors of influence of forced internal migration on the socio-economic situation in Odesa region. Among the main positive factors are: increased production and attraction of new investments in the communities of the region. The following negative factors were identified: unregulated control of registered migrants, burden on the economic, educational and medical funds of the region, and increased anthropogenic impact on the environment. As a result of the analysis of the identified problems and needs, ways to solve them were proposed, namely: to increase investments to improve infrastructure in each district of the region, which will allow developing programs for the uniform resettlement of the population, improving the system of social and financial programs for different groups of migrants, and increasing the level of patriotic education among the local population. All this will help internally displaced persons to adapt better in new communities, and the local population will improve their living standards and reduce discrimination in the region.

The Promotion and Development Direction of Cultural Tourism Industry for the Recovery of Xi'an's Tourism Industry in the Post Epidemic Era

Impacted by the epidemic, Chinese all aspect of economy including tourism has been influenced deeply between 2019 and 2022. In order to recover Chinese economy under post-pandemic era, tourism needs to learn from the pandemic and previous developments and innovate to quickly return to pre-pandemic conditions. Our group focus on Xians cultural tourism industry, which is one of the characteristic places of Chinese cultural tourism, in order to fine its cultural tourism development potential and give some suggestion to improve its attraction and competitiveness and to maximize its economic benefits. By analyzing the data from Xinhua News Agency and other authority website and investigating the development status of Xi'an's cultural industry, we find out that Xian needs to overcome the problems of low profit from tourism revenue, lack professional personnel, serious loss and difficult recovery and the impact of the lingering temperature of the epidemic. In terms of the questions, Xian should change from the aspects of increasing the rate of economic profit conversion, enhancing the professional quality of employees, carrying out crowd control and taking advantage of policy advantages and opportunities. In conclusion, we hope our research could provide inspiration and guidance for the subsequent development of Xi'an's cultural industry.

The Faces of Deceptive Healers: A Scoping Review of Titles and Traits Associated with Quacks across Regions

Abstract: Background: The progress in medical science and the increased accessibility of digital resources have enhanced the convenience for individuals in accessing appropriate treatments. Despite these advancements, quackery continues to persist as a global concern. Throughout history, people have been intrigued by miraculous treatments rooted in faith and trust theories. In ancient times, distinguishing between scientifically approved and unapproved medical practices posed challenges. Ever since medical practices have been taking place, service providers took advantage of people’s unawareness, exploiting patients for personal gain. Over time, in certain cultures and societies, their intentions became apparent, and they earned a reputation as deceivers in the medical field. The current research seeks to uncover the various traits utilized by quacks across different times and locations worldwide, aiming to expose their fraudulent practices. Methodology: In this scoping review, the focus was on investigating various characteristics displayed by quacks during their practices. The study involved a comprehensive examination of 3740 published research articles and 400 pieces of gray literature such as websites of regulatory authorities, Acts, Laws. News items and reports which encompassed regulatory authority websites, news articles, and reports. From this extensive pool of sources, 45 articles and 4 excerpts were carefully chosen for in-depth analysis. Result: The current study highlighted 90 terms used for quacks to define their characteristics. The data was analyzed and developed five different themes defining various traits according to the near association. The main theme covered the moral values of these practitioners followed by Modern quackery under complementary and alternative healthcare services, sorcery and mystic, ignorant of science, and contract to law. Conclusion: Quackery, with its long-standing history, remains an ongoing health threat. Embracing modern technology, it utilizes the Internet and social media to propagate deceptive claims. Gaining insights into the traits of quacks is crucial for policymakers to address this issue effectively. Combating quackery necessitates heightened awareness, robust regulations, dissemination of authentic information and evidence-based healthcare involving all stakeholders.

Региональная система научно-методического сопровождения педагогических работников и управленческих кадров образовательных организаций общего образования

The effectiveness of the education system in general and general education in particular depends on highly qualified teaching staff carrying out educational activities. A high level of professional training of pedagogical staff implies their continuous professional development (training). In order to create an effective system of ad-vanced training for teachers and school leaders, it is necessary to have a comprehensive system of scientific and methodological support for this activity. Relevance of the problem under study. The relevance of the devel-opment of the system of support for the professional development of teaching staff is due to the lack of a uni-fied approach to the organization of the activities of methodological support services, as well as insufficient scientific methodological justification of this activity, the lack of connection between science and practice. Mate-rials and methods of research. Analysis of normative legal acts on the problem; official websites of federal and regional executive authorities managing in the field of education; analysis of domestic and foreign academic research on the problem. The results of the research and their discussion. The comparative analysis of the im-plementation of the system of scientific and methodological support of professional activity of teachers and school managers was carried out; the main directions of activity for the improvement and development of the system of scientific and methodological support of professional activity of teaching staff were determined; the system of professional development of teaching staff in educational organizations of general education was proposed.

Inovatyvių analitinių ir statistinių technologijų, kaip kovos su korupcija priemonės, įgyvendinimo kryptys

Relevance of the topic. The article sets out to explore the potential of innovative analytical and statistical technologies in monitoring, detecting, and counteracting corruption within state systems. The central objective is to clarify key concepts, determine the nature and content of these technologies, and analyse their applications in anti-corruption efforts. The research methodology combines the scrutiny of official documents, legislations, public authority websites, and software providers with a focus on their anti-corruption capabilities. The study reveals that analytical and statistical technologies constitute a specific form of information technology, embodied in functional information systems that fulfil organisational objectives and assist in decision-making processes. They assist primarily in the identification and prediction of probable cases of corruption or fraudulent activities, utilising mathematical methods and advanced analytical algorithms. Key areas where these technologies can significantly contribute include data collection and processing, communication and office processes, general management processes, decision-making processes, and expert systems development. The problem. Corruption remains one of the largest socio-economic issues affecting a country’s development and undermining citizens’ trust in governing structures. Innovative analytical and statistical technologies such as artificial intelligence, machine learning, big data analysis, and others, hold the potential to provide effective monitoring and detection of corrupt schemes. The purpose of this article is to determine the directions for implementing innovative analytical and statistical technologies as a tool for monitoring, detecting and counteracting corruption in the state. Research object: Application of innovative analytical and statistical technologies in the fight against corruption. The results. Innovative analytical and statistical technology is a type of information technology, which is embodied in the form of a functional information system aimed to fulfil organisational objectives and assist in decision-making processes. These technologies are considered essential tools for countering corruption at the state level, primarily by identifying and predicting probable cases. The application of mathematical methods and advanced analytical and statistical algorithms can reveal inconsistencies and potential corruption or fraudulent activities. Counteracting corruption has also benefitted from advancements in information technologies. Currently, efforts to counter corruption focus on digital government services, crowdsourcing platforms, transparency portals, big data, and artificial intelligence. In this context, there are five key areas where analytical and statistical technologies can contribute: data collection and processing, communication and office processes, general management processes, decision-making processes, and the development of expert systems. Keywords: corruption counteraction, artificial intelligence, machine learning, information

"ПРАВОВЫЕ ВОПРОСЫ ВЕДЕНИЯ ИНТЕРНЕТ-РЕСУРСОВ ПРЕДСТАВИТЕЛЬНЫХ ОРГАНОВ МЕСТНОЙ ВЛАСТИ В УЗБЕКИСТАНЕ И КАЗАХСТАНЕ"

"The article provides a comparative legal analysis of the organizational and legal basis for maintaining the Internet resources of representative local authorities in Uzbekistan and Kazakhstan, ensuring the openness of their activities. As a result of the study, it was revealed that the websites of some representative local authorities do not contain all the information specified in the legislation, including information about their meetings; broadcasting of meetings is not provided; some information is not updated; and social networking opportunities are not used to broadcast meetings. It was hypothesized that in order to eliminate existing shortcomings, it is necessary to clarify the list of information on the activities of representative bodies of local government, taking into account their characteristics. The content of the relevant norms of national legislation, the interpretation of terms, and the experience of foreign countries confirmed the hypothesis. The author proposed to include in the list of information posted on the websites of representative bodies of local authorities information about official speeches and official statements of their leaders, standing committees and deputies, information messages, press releases aimed at notifying the population about the dates of meetings of representative bodies of local authorities and their working bodies, minutes of open meetings of representative bodies of local government and their working bodies, the results of hearing reports, and information on the activities of representative bodies of local government, its standing commissions, and deputies. "

Cannabis in Wisikk: a tempting venture

Research methodology This case was developed using a mixture of publicly available documents created by the partner community, general information from public sources like the First Nations Finance Authority (FNFA) website and Government of Canada websites, and personal and first-hand experience of the indigenous coauthor, Storm Gould. Case overview/synopsis Wisikk is a Mi’kmaq sovereign reserve territory located in Mi’kmaq’ki in the place that settler governments call Nova Scotia. The community has existed in its location since time immemorial and has been recognized by the settler government since the early 19th century. An opportunity for community-run business has arisen for Wisikk based on the legalization of cannabis throughout Canada in 2018. This case’s protagonist is the community’s Vice-President for Business Development, Andrew Googoo, as he considers bringing a proposal for a cannabis retailing venture to the Chief and Council. Cannabis legalization in Canada left sales policies to the provinces and was silent as to the rules governing cannabis sales by indigenous communities on their sovereign territory. Considering both potential negative impacts to the community, as well as the potential financial benefits from a successful reserve-based cannabis dispensary, Andrew must soon present his initial findings to the Chief and Council for their deliberation and decision. Any venture undertaken by the reserve would require a loan from the FNFA, so Andrew must also consider the projections and reports that the FNFA would require to support their lending decision. Complexity academic level The case is appropriate for mid-level or capstone undergraduate and graduate business courses, especially those focused on entrepreneurship, business ownership or indigenous ownership. The case was originally developed for the accounting division of an international undergraduate case competition. In addition to accounting concepts like pro forma/budgeted income statements and decision analysis, it is intended to showcase some legal and cultural features of community-led indigenous business ventures. The idea is for students to explore concepts of sovereignty, community involvement and broader stakeholder impact, as well as more technical accounting and financial concepts.

Pengaruh CEO Narcism, Corporate Social Responsibility Syariah, Profitabilitas, dan Likuiditas, Terhadap Nilai Perusahaan (Studi Empiris pada Real estate, property dan construction yang Terdaftar di Bursa Efek Indonesia Periode Tahun 2017-2021)

This study aims to examine the influence of CEO Narcism, CSR, ROA and Liquidity on company value. The problem in this study is shown by the value of stock price growth from the property, real estate and construction sectors showing a decline in 2018 to 2020. Based on the problem, the problem in this study is: How does the CEO of Narcism, Corporate social responsibility, profitability, and liquidity affect the company's value in Real estate, property and construction listed on the Indonesia Stock Exchange for the 2017-2021 period)?. This research uses secondary data in the form of financial statements obtained through the Financial Services Authority website. This study used purposive sampling method. The population in this study is all property, real estate and construction companies whose shares have been listed on the IDX since 2017-2021. A total of 53 companies were selected as research samples during 2017-2021. The analysis method used in this study is multiple regression analysis. Based on the results of data analysis and discussion that has been put forward about the influence of CEO Narcism, CSR, ROA and Liquidity on company value, it can be concluded that ROA has proven to have a significant effect on company value, this indicates that the increase in company value is influenced by an increase in ROA, meaning ROA policy What the company does affects the value of the company. CEO Narcism, CSR and Liquidity have not proven to have a significant effect on company value.

Loblaw Companies Limiteds Basic Financial Analysis and Calculation Display

For a company, financial analysis can help the company analyze its financing, investment, risk management, comparison with competitors and other issues to help company decision-makers make correct decisions. For the financial market, financial analysis can help investors understand the basic characteristics, current situation and future prospects of their target investment companies and help improve social and economic stability and development. This article is mainly based on a financial analysis of the current state of Loblaw Companies Limited (hereinafter referred to as Loblaw) in 2023. The research purpose of this article is to conduct an in-depth study of Loblaw by explaining the meaning and conceptual relationship of data collection, calculations and results, so that the public can have a more comprehensive understanding of the companys financial status in 2023. This paper uses literature analysis and data analysis research methods to mainly explore Loblaws risks, financing costs, current capital plans and capital structure. The data analysis models used include linear regression model, dividend discount model (DDM), capital asset pricing model (CAPM), weighted average cost of capital (WACC), net present value model (NPV). The data used for calculation comes from authoritative websites such as Yahoo Finance, Bank of Canada, and Loblaws official website. The results of the study found that Loblaw has a dominant position in the Canadian retail market. Loblaw is one company that relies more on debt financing. Its financing costs are lower than the industry average. Its capital structure has been very stable in recent years. The market has full confidence in Loblaw.

A Multicriteria Evaluation of Local E-Government in Terms of Citizen Satisfaction

Any strategy to improve local public administration gives paramount importance to the development of electronic administration (E-Local Government) to facilitate interaction with citizens promoting efficiency, local participation, and sustainable development. This explains the numerous contributions to evaluating websites of local authorities, but they do not focus on modeling the citizen satisfaction induced by their use. This is why three research questions are addressed by this paper: how can such satisfaction be modeled, which attributes be considered and described and how to assess the relative importance assigned by citizens to each attribute? 
 
 The level of satisfaction is found to depend on the easiness of use of each site and of the available functionalities to share information, to provide services, and to promote participation. A model based on the Multiattribute Theory and using the OptionCards method is developed to estimate the relative importance assigned by each citizen to each attribute and it is successfully applied to a focus group.
 
 The answers presented by the authors to these questions are applied to a sample of Portuguese websites allowing their benchmarking and the identification of a road map for im-provement. This instrument is applied to a set of Portuguese municipalities revealing a high level of disparity and confirming how important can be its application to assess inter-municipalities benchmarking, to diagnose their LGS major shortcomings and to support the design of a road map for improvement.

Biologics in Interventional Spinal Procedure: The Past, the Present, and the Vision

BACKGROUND: Orthobiologics have shown promise in repair, restoration and regeneration of damaged and degenerated spine, joint and musculoskeletal tissues. The role of MSCs is to reduce inflammation, gliosis, and oxidative stress, while encouraging angiogenesis, neuronal proliferation, cell survival, and differentiation. While autologous MSCs have homologous advantages, they present with challenges related to donor predisposition, harvesting skills, and processing times. In this regard, allogenic MSCs show promise, but face ethical challenges, contamination, and survival risks. Ongoing efforts to overcome challenges and enhance performance include bioprinting, tissue engineering, artificial intelligence, nanotechnology, and microenvironmental alteration, among many others. Genetically programmed MSCs are being explored and tissue regeneration is now considered a real possibility. In this article, we discuss some of the leading-edge technologies in the process of being developed and perfected for widespread clinical application. OBJECTIVES: The aim of this narrative review is both to update on orthobiologics, especially MSCs and provide a vision for their future potential in interventional spine medicine. STUDY DESIGN: Narrative review. METHODS: The PubMed database of the National Institute of Medicine and Google Scholar were searched for keywords “mesenchymal stem cell,” “mesenchymal stem cell + regenerative medicine,” and “mesenchymal stem cell + spine.” The bibliographies of these articles and authoritative Web sites were also consulted. RESULTS: There are hundreds of ongoing clinical trials exploring the role of MSCs in regenerative medicine for treating a wide range of diverse conditions, including spine conditions, neurodegenerative disorders, and cardiovascular disease. LIMITATIONS: This visionary narrative review has several limitations. It is a narrative, rather than a systematic review. Many of the ideas and treatments presented here are not perfected and are still in development. CONCLUSIONS: The role of MSCs in regenerative medicine is still emerging, but their promise for spinal cord injury and other disorders of the spine is clear. Using allogenic or autologous MSCs can help stimulate healing and neural regeneration remains a tantalizing possibility. KEY WORDS: Mesenchymal stem cell, regenerative medicine, spine, spinal cord injury, nanotechnology, bioprinting, neural regeneration, degenerative disc disease, low back pain

Effect of Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio, and Operational Expenses on Operational Income on the Profitability of Sharia Banking in Indonesia (2016-2020)

The aim of this research is to analyze effect of capital adequacy ratio, non performing financing, financing to deposit ratio, and operational expenses on operational income on the profitability of Sharia Banking in Indonesia from 2016 to 2020. This research uses quantitative research methods. Population in this study is Sharia Commercial Bank registered with Bank Indonesia obtained from Sharia Banking Statistics via the Financial Services Authority website from 2016 to 2020. Sample used in this research is Sharia Commercial Bank which have been registered with Bank Indonesia since 2014, with using financial reports and Sharia Banking statistics found on the Financial Services Authority website. So, sample in this research is 12 Sharia Commercial Bank. The model used to test this hypothesis is a multiple regression analysis model. The research results show that capital adequacy ratio has a positive and significant effect on the profitability of Sharia Banking in Indonesia from 2016 to 2020. Non performing financing has a negative and insignificant effect on the profitability of Sharia Banking in Indonesia from 2016 to 2020. Financing to deposit ratio has a positive and insignificant effect on the profitability of Sharia Banking in Indonesia from 2016 to 2020. Operational expenses on operational income has a negative and significant effect on the profitability of Sharia Banking in Indonesia from 2016 to 2020. Keywords: Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio, Operational Expenses on Operational Income, Profitability

The Influence Of Problem Financing and Liquidity On The Profitability Of Sharia Business Units (Period 2018-2022)

The research used in this research is a quantitative method, the data used is secondary data, namely quarterly financial reports for the 2018-2022 period obtained from the official OJK (Financial Services Authority) website. The population in this study is Sharia Business Units in Indonesia and the sample uses porposive sampling so that there are 3 Sharia Business Units as samples, namely PT Bank Tabungan Negara, PT BPD Yogyakarta, and PT BPD DKI. The data analysis method used is panel data regression analysis for processing research data using the Eviews version 12 statistical test tool. Hypothesis tests carried out are the F test, t test, and the Adjusted coefficient of determination. The results obtained in this research based on partial hypothesis testing are that the problematic financing variable has a significant negative effect on profitability, while liquidity has a significant positive effect on the profitability of sharia business units (UUS) for the 2018-2022 period. Simultaneously (f test) shows that simultaneously the NPF and FDR variables have a significant effect on ROA. This means that NPF and FDR contribute to the profitability of the Sharia Business Unit. The results of the determination test show that the profitability variable is influenced by the problematic financing and liquidity variables by 69.53%, while the remaining 30.47% is influenced by other variables outside this regression equation or variables that were not studied.

Regulatory and legal bases for the establishment and functioning of seafarers' health protection centers in the Russian Federation

Introduction. Ensuring the national interests of the Russian Federation in the World Ocean presupposes the development of medical and sanitary support for maritime activities, which currently requires integrated approaches in implementing the requirements for the preservation of the health of employees of the Russian fleet established by international legal acts on health and medical care in maritime navigation, of which the Russian Federation is a participant. In this regard, harmonization of legislation and improvement of measures related to the organization and functioning of seafarers' health protection centers are of particular importance.
 The study aims to conduct comprehensive legal monitoring of national regulatory and methodological documents regulating the activities of seafarers' health protection centers in comparison with international standards.
 Materials and methods. The authors have studied and analyzed scientific publications for the period from 1980 to 2023 defining the problems of medical and sanitary provision of water transport workers, methodological approaches of the World Health Organization, the International Labor Organization, the International Maritime Organization in this area, as well as current international and Russian regulatory legal acts, information from official websites of executive authorities and organizations.
 Results. The study found that today the system of seafarers' health protection, which previously existed in our country, has suffered significantly, and its restoration requires an integrated approach and centralization of medical support for maritime activities in accordance with the Maritime Doctrine of the Russian Federation and the Concept of Development of the Russian Federation Marine medicine. To this end, in the structure of organizations subordinate to the FMBA of Russia, in large port cities, head and regional centers for the protection of seafarers' health were established, carrying out accounting and analytical, organizational and methodological, regulatory, therapeutic and preventive, expert, scientific and educational activities. An important direction in the work of these centers is the implementation of preventive measures and the identification of occupational and work-related diseases. For the successful development of a unified system of medical and sanitary support for employees of the marine and river fleet, it is advisable to assign the functions of regulatory regulation in this area to the FMBA of Russia.
 Conclusion. The restoration of a full-fledged domestic system of providing medical care to water transport workers is possible through the creation and regulatory consolidation of the activities of seafarers' health protection centers in the structure of the FMBA organizations of Russia, which is an essential condition for achieving compliance of the national maritime policy with international requirements in the field of health and safety of navigation while maintaining its strategic goals and interests in the field of maritime and river navigation.
 Ethics. The study was conducted in compliance with Ethical standards. This study did not require the conclusion of the Ethics committee.

Risk of Coronavirus Disease 2019 Messenger RNA Vaccination-Associated Myocarditis and Pericarditis - A Systematic Review of Population-Based Data.

Early studies showed that the risks of mRNA vaccine-associated myocarditis and pericarditis are low but with substantial variation across studies. Study characteristics, ethnicity, vaccine types, dose intervals, and SARS-CoV-2 infection prevalence may influence the rates of myocarditis and pericarditis after mRNA vaccination in population-based studies. We comprehensively searched MEDLINE for relevant articles published before November 30, 2022. We also searched the websites of health authorities in several countries for unpublished surveillance data on myocarditis and pericarditis after mRNA vaccination. The outcome of interest was the incidence of myocarditis and pericarditis developed after mRNA vaccination for COVID-19. A total of 17 studies form 10 countries were included for review. We noted that considerable heterogeneity in study characteristics, including surveillance method, case definition, and observation period, may partially be responsible for the widely varied reported rates. Studies from countries that adopted active surveillance reported higher rates than those using passive surveillance. Compared to BNT162b2 vaccine, mRNA-1273 may have a higher risk of myocarditis only in young men after the second dose. Our comparison of sex-, age-, vaccine type-, and dose-specific rates of myocarditis across countries did not support the hypothesis that individuals with recent SARS-CoV-2 infection and young Asian males were at higher risk. We also could not find sufficient evidence to conclude whether extending the between-dose interval could reduce myocarditis incidence following mRNA vaccination. Differences in the study characteristics must be fully considered when comparing the risks of mRNA vaccine-related myocarditis and pericarditis in different countries.