<p><em>Based on data from the Ministry of Cooperatives and SMEs, the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia reached 64.2 million units and contributed 61.07% to the Gross Domestic Product (GDP). West Java Province ranks first with the largest number of MSMEs, including the Jatinangor area which is experiencing rapid growth of MSMEs along with its development as an educational area. However, most MSME players in this region face obstacles in business development due to low financial literacy and limited access to formal financing, such as the People's Business Credit (KUR). Bank Mandiri, as one of the largest KUR channeling banks, has developed digital innovations and strategic partnerships to increase the financial inclusion of MSME players. This study aims to analyse the effect of KUR facilities and financial literacy on the welfare of MSME actors, with business productivity as a mediating variable. The research method used is quantitative with a Partial Least Square - Structural Equation Modeling (PLS-SEM) approach. Based on the results of the analysis of data obtained from MSME actors in Jatinangor, it was found that KUR and financial literacy have a direct and significant effect on productivity and welfare. In addition, productivity is proven to mediate the relationship between the two variables and welfare. The results of this study suggest that strengthening access to financing and improving financial literacy are key strategies in encouraging the productivity and welfare of MSMEs in a sustainable manner, especially in semi-urban areas such as Jatinangor.</em></p>

Evidence suggests that older adults can improve dual-task (DT) performance through specific motor-cognitive training programs. Recent technological advancements have facilitated the development of novel rehabilitative DT methodologies. In particular, the DUAL-REHAB project exploits 360° technology to develop ecological, cost-effective DT exercises for clinical and home settings. This study aimed to comprehensively understand the DUAL-REHAB project's end users (older adults with subjective memory complaints [SMC] and mild cognitive impairment [MCI]) and obtain feedback on an initial DUAL-REHAB mobile app prototype using a user-centered design approach. The study used a 2-phase procedure. In the first phase (user requirements), we investigated end users' lifestyles, habits, perceived well-being, technology adoption, and cognitive and cognitive-motor DT training expectations. In the second phase (prototype evaluation), we developed and tested a DUAL-REHAB mobile app prototype to assess its functionality with end users. Overall, 14 participants were initially recruited for the study. The sample included 7 women with a mean age of 79 (SD 3.79) years and 7 men with a mean age of 82.43 (SD 5.65) years. One female participant was excluded for not meeting the criteria for either group; accordingly, the final sample study included 13 participants, with 8 categorized as MCI and 5 categorized as SMC. Participants reported structured daily routines with high autonomy, although some faced challenges with social connections. Perceived well-being was moderate across physical (mean 2.79, SD 0.97), psychological (mean 3.14, SD 0.86), and cognitive (mean 3.14, SD 0.53) domains. The perceived technology skills were low (mean 2.57, SD 0.94), with low digital literacy (mean 2.21, SD 0.89). Interest in cognitive training was high, with 92.31% (12/13) participants aware of its benefits and demonstrating strong interest (mean 4.15, SD 1.34) and perceived use (mean 4.15, SD 1.28). While only 46.15% (6/13) were aware of the possibility of DT training with technology, 92.31% (12/13) were willing to participate, and 84.61% (11/13) were open to home-based training. The preferred frequency was 2-3 days per week (63.64%, 7/11), with 10-20 minute sessions (8/11, 72.72%). Prototype evaluation revealed specific usability issues related to icon identification, device interaction, and navigation between training days. We obtained valuable insights into the lifestyles, habits, and technological needs of older adults with MCI and SMC, which will guide DUAL-REHAB training development to align with user needs and capabilities. Our findings emphasize the importance of simplified technological processes with intuitive interfaces. Additionally, structured interaction opportunities during clinical and at-home training could enhance motivation, facilitate timely problem resolution, and address participants' social needs.

Artificial Intelligence (AI) is increasingly shaping agribusiness transformation in Nepal by improving productivity, sustainability, and market integration within a largely smallholder-based agricultural economy. This article examines the current status, applications, opportunities, and constraints of AI adoption in Nepal’s agribusiness sector using a comprehensive secondary desk review of academic literature, policy documents, and development reports. Key AI applications include precision farming, satellite-based crop classification, predictive analytics, and digital advisory services across crop, livestock, and supply chain management. Initiatives such as GeoKrishi, Connect Kisan AI, and the Omdena-UNWFP collaboration illustrate AI’s potential to enhance resource efficiency and climate resilience. However, adoption remains limited due to infrastructure gaps, high costs for smallholders, data scarcity and localization challenges, low digital literacy, and evolving policy and regulatory frameworks. Drawing on insights from other emerging markets, the study adapts the extended Technology Acceptance Model-Technology-Organization-Environment (TAM-TOE) framework to contextualize AI adoption in Nepal. The article concludes that inclusive and scalable AI-driven agribusiness transformation will require coordinated stakeholder engagement, targeted investments in digital infrastructure, skills development, and robust data governance mechanisms.

Background Vaccine hesitancy and literacy are multifaceted and context-specific phenomena that affect vaccination uptake. Comprehensively examining the simultaneous effects of various factors influencing vaccine hesitancy and literacy remains a challenge. This study aimed to better understand key determinants of adults’ vaccination decision-making, regarding both their own vaccinations and those of their children, using different machine learning algorithms to analyze survey data. Methods A cross-sectional survey of US adults was conducted in 2022. Participants were categorized based on whether they had children under age 18 (“parents,” N = 692) or not (“adults,” N = 1,183). Survey responses were analyzed using multiple machine learning algorithms (logistic regression, decision tree, random forest, extreme gradient boost [XGBoost], support vector machine, and neural network) to predict adults’ and parents’ hesitancy toward vaccination, and literacy about their own or their children’s vaccination. Potential predictors included demographics, health literacy, information-seeking behavior, attitudes, and beliefs. Model performance was evaluated using F1 score and area under the receiver operating characteristic curve (AUROC) or the precision-recall curve (AUPRC). Feature importance was evaluated using Shapley values. Results Among parents making vaccination decisions for their children, the random forest model achieved the highest predictive performance for vaccine hesitancy (F1 = 0.86, AUROC = 93.0%), and the XGBoost model performed best when predicting vaccine literacy (F1 = 0.64, AUPRC = 81.3%). Based on these models, the belief that “there is no need for my child to get vaccinated because everybody else does” emerged as the strongest predictor of hesitancy among parents, whereas low familiarity with the pediatric vaccination schedule was the main predictor of low literacy. Among adults making vaccination decisions for themselves, the XGBoost outperformed other models for both vaccine hesitancy (F1 = 0.77, AUROC = 90.3%) and vaccine literacy (F1 = 0.80, AUPRC = 86.0%). According to this model, having received an influenza vaccine was the strongest predictor of non-hesitancy among adults, and low familiarity with the adult vaccination schedule was the strongest predictor of low literacy. Conclusion This study demonstrated the effectiveness of machine learning approaches in analyzing robust survey data. These models identified key determinants of vaccine hesitancy and literacy, offering valuable insights into the behavioral and informational factors influencing vaccination decisions among US adults.

Nutrition literacy is a person's ability to gain, retain and use nutrition information to inform healthy lifestyle choices. Low nutrition literacy (NL) can limit understanding of nutrition information and how it is subsequently applied, impacting the quality of a person's diet. Malnutrition and poor diet quality are linked to many cancers and/or treatment recovery. Measuring NL, using culturally adapted and validated tools, may support improved understanding of nutrition education needs for more people with cancer. However, no validated NL measure exists for adults with cancer in the United Kingdom (UK). This study undertook cultural and linguistic adaptations of an NL instrument (NLit) for use in UK adults with cancer. The study was approved by UK ethics and regulatory authorities. NLit, was culturally adapted (NLit-UK) following guideline review, expert recommendation, and two patient nominal consensus groups. NLit-UK was then validated in an observational cross-sectional study of on-treatment adults with cancer. NLit-UK, Newest Vital Signs (NVS-UK), demographic information and consent, were collected anonymously via an online platform between June 2019 and March 2020, the target sample size was 366. Qualitative data were thematically analysed. Quantitative data were presented using descriptive statistics. Construct validity was determined using single factor classical confirmatory factor analysis (CFA). Seven experts and 16 service users took part in cultural and linguistic adaptations. Key adaptations included UK to US language, images, food label policy and numeracy progression. Answer formats, purpose and concepts remained consistent. Forty-two people with cancer completed NLit-UK (63-item), recruitment terminated early due to COVID. CFA on NLit-UK (63-item) and its shorter (42-item) version showed substantial reliability (entire reliability, 0.90; Cronbachs α 0.83) and good reliability (entire reliability, 0.86; Cronbachs α, 0.8), respectively. While NVS-UK identified 71.8% (n = 28) as having adequate health literacy, only 10% (n = 4) were identified as having adequate NL. Content reliability and validity of NLit-UK was excellent. The small sample size prohibited CFA between subscales or associations between NL and potential confounders such as ethnicity and educational status. Confirmation in a larger more diverse population and other conditions is warranted. Adequate health literacy may not predict adequate NL. NCT03978312 www. gov.

Women face many challenges during migration; safe, secure, and affordable accommodation is one of the major hurdles faced by them. In societies that are patrilocal and patrilineal, women acquire shelter predominantly from family and close kin relatives. Women are unable to get adequate housing owing to a combination of factors such as migration, violence, and divorce or separation. They live homeless or in inadequate housing facilities. In the backdrop of this issue, the Department of Women and Child Development (DWCD), Government of India, introduced a scheme called “The Working Women’s Hostel (WWH) scheme” to help working women. Haryana state has been selected for this study as it represents a patriarchal heartland within India. This region reports the lowest sex ratio, together with low female literacy and work participation rate. The WWH scheme has reached only 7 districts of Haryana, even though there are 22 districts in the state of Haryana as per the 2011 census. Therefore, this study attempts to examine the nature and quality of shelter provided by WWH in Haryana, India.

Education in the modern era has undergone a significant transformation along with the advancement of digital technology. Digital technologies that are currently popularly applied in the field of education are ChatGPT and AI (Artificial Intelligence) applications as interactive and responsive learning assistants. This study aims to examine how the use of ChatGPT and AI applications is used wisely as learning assistants. The research employs a qualitative, literature-based approach and is analyzed through content analysis. The data of this research was taken from various literature sources such as scientific articles, books, and other relevant references. The results of this study show that the application of ChatGPT and AI in Islamic Religious Education (PAI) can improve the quality and effectiveness of learning through blended learning models and artificial intelligence applications through features such as visual mentors, voice assistants, and translator presenters. However, during implementation, several challenges remain, including limitations in digital infrastructure, low digital literacy among teachers, and concerns about the accuracy and authenticity of religious content. Wise strategies need to be carried out to improve digital literacy, verify information generated by AI, instill ethics, and conduct supervision. ChatGPT and AI applications have a positive impact, such as increasing students' motivation and interest in learning. But it also has negative impacts such as technology dependence, lowering academic integrity, and plagiarism. Therefore, the use of ChatGPT and AI applications needs to be done carefully and responsibly.

Rivers are vital assets of Banjarmasin City, currently facing environmental degradation due to urbanization and low community understanding. This study aims to analyze the role of policy and digital technology in achieving sustainable river management in Banjarmasin. The research method employed is qualitative with a descriptive approach. Data were collected through observation, documentation, and interviews with key informants, including the Banjarmasin City Public Works and Spatial Planning Department (PUPR), riverbank communities, and related organizations. The data analysis technique applied is thematic analysis. The results show that although Regional Regulation No. 15 of 2016 provides a strong legal foundation, low community literacy regarding river regulations remains a major obstacle to policy implementation. Optimizing digital technology through social media and monitoring systems serves as a strategic solution to enhance education, information transparency, and collective participation in maintaining the river ecosystem. This study concludes that river sustainability in Banjarmasin heavily depends on the synergy between firm government policies and the utilization of digital instruments to build community engagement as active subjects in management. The practical implication of this research emphasizes the importance of digital education to increase policy effectiveness, while theoretically, it strengthens the argument that digital governance is a vital instrument in managing Common Pool Resources in urban environments

Micro, Small, and Medium Enterprises have a strategic role in regional growth, one of which is in Bathin VIII District, Sarolangun. However, the results of the situasion analysis show that the majority of business actors have not implemented cash bookkeeping neatly and regularly. The problems faced by business actors are low financial literacy, not only the routine recording of incoming and outgoing cash, but also the mixing of business finances with personal finances. This condition causes business actors to experience difficulties in knowing profit and loss, determining selling prices, and making data-based business decisions. The aim of this service is to improve the orderly financial administration of business actors through the implementation of simple cash bookkeeping assistance. The implementation method uses an approach that involves participation which consists of several stages, namely preparation, socialization, training and mentoring. Mentoring is carried out through direct practce of manual cash bookkeeping and the use of smartphone-based financial recording applications that are easily accessible to business actors. The results of the activity show an increase in understanding and skills of business actors in recording financial transantions in an orderly, systematic and sustainable manner. Business owners are starting to be able to separate personal and business finance and understand cash flow and profit and loss conditions more accurately. Therefore, this activity helps strengthen the financial management of MSMEs and supports the improvement and competitiveness of micro-businesses in Sarolangun Regency.

Abstract Non-communicable diseases (NCDs) are rising rapidly in low- and middle-income countries (LMICs). Teleconsultation, a key component of telemedicine, can strengthen primary health care by improving continuity of care and linking patients with specialists. This review is an attempt to map the existing evidence on teleconsultation for NCD management in LMIC primary healthcare settings. Authors conducted a scoping review of peer-reviewed studies on teleconsultation interventions for NCD care in LMICs. The manuscript was prepared in accordance with the PRISMA- ScR guidelines. Four studies from Niger ( n = 1), Pakistan ( n = 1) and India ( n = 2) met the inclusion criteria. Most targeted diabetes, hypertension or endocrine disorders, with no evidence on respiratory disease, cancer survivorship or mental health. Reported benefits included better disease control, improved access, high patient satisfaction and reduced travel and costs. Barriers included poor connectivity, low digital literacy, limited diagnostic integration and weak care continuity. It was concluded that Teleconsultation shows promise for improving NCD management in LMIC primary care, but limited evidence, system-level gaps and patient-level barriers must be addressed to ensure its effectiveness, acceptability and scalability.

Formative assessment is a core component of effective teaching, requiring teachers to integrate conceptual understanding, practical implementation, and socio-emotional sensitivity. This study investigates formative assessment literacy among primary school teachers in Kosovo using the Teacher Formative Assessment Literacy Scale (T-FALS). Employing a quantitative, cross-sectional design, data were collected from 350 teachers working in grades 1–5 in public and private schools. Descriptive analyses indicated a generally high level of formative assessment literacy, with the conceptual dimension being the most developed, while no participants were classified at a low literacy level. Non-parametric analyses revealed statistically significant differences in formative assessment literacy based on teaching experience, professional training, school location, and class size. Strong positive associations were found among the conceptual, practical, and socio-emotional dimensions, as well as between each dimension and the overall T-FALS score, supporting the multidimensional structure of formative assessment literacy. Multiple regression analyses further demonstrated that teaching experience, professional training, school location, and class size significantly predicted formative assessment literacy across dimensions. While teachers displayed solid conceptual foundations and generally strong practical skills, participatory practices and socio-emotional sensitivity were less consolidated. The findings underscore the importance of continuous, practice-oriented professional development and highlight the value of T-FALS as a diagnostic tool for guiding targeted interventions aimed at strengthening balanced and sustainable formative assessment practices in primary education.

The rupiah plays a vital role as a symbol of national identity and sovereignty, but awareness among rural communities about its function and importance is often limited. In Kutalimbaru Village, the main challenges identified are low monetary literacy, which results in physical damage to money and a lack of awareness about counterfeit money. Through the Real Work Lecture (KKN) program, community service efforts were carried out with the aim of internalizing the values of “Love, Pride, Understanding (CBP) of the Rupiah.” The approach used was community-based education through interactive workshops and practical demonstrations on money care techniques and an introduction to the security features of the Rupiah. Findings in the field show a transformation in the community's attitude; from being indifferent to being more careful in handling paper money and better understanding the role of the Rupiah in economic stability. This program has succeeded in increasing the financial literacy of citizens while strengthening the spirit of nationalism through appreciation of the national currency. Keywords: community empowerment, micro businesses, tempeh products, entrepreneurship, Sialaman Village.

Systematic land registration has become a key instrument for enhancing legal certainty and preventing agrarian disputes, yet administrative approaches alone face limitations due to data inaccuracies, overlapping claims, and boundary objections. This article examines the role of community participation in systematic land registration using a juridical-empirical and socio-legal approach, incorporating regulatory analysis, interviews, field observations, and land document review. The findings show that meaningful community participation serves as a mechanism for social verification of land data, early detection of potential disputes, and improved accountability in land administration. Its effectiveness depends on transparency, facilitation quality, inclusivity, and institutional integrity, while challenges include low legal literacy, local power dynamics, and limited evidentiary capacity. The study recommends strengthening participatory frameworks, data disclosure, and community-based legal assistance to support equitable and sustainable land registration.

Economic empowerment of rural communities through the strengthening of Micro, Small, and Medium Enterprises (MSMEs) is a crucial pillar in achieving national economic independence. One of the fundamental obstacles faced by MSMEs in rural areas is financial exclusion due to low digital literacy and dependence on conventional cash transaction systems. The Community Service Program (KKN) of students from the State Islamic University of North Sumatra (UIN SU) in Pematang Tengah Village was designed to bridge this gap by optimizing the Indonesian Standard Quick Response Code (QRIS). Through an intensive participatory mentoring approach, students acted as agents of digital transformation who educated, trained, and facilitated 10 local MSME actors in adopting non-cash payment technology. The results of the program show a significant shift from digital skepticism to digital trust. The implementation of QRIS has been proven to increase operational efficiency, financial management accuracy, and strengthen the image of business modernity in the eyes of consumers. This article emphasizes that the role of students is not merely as information deliverers, but as catalysts of social capital that is crucial for the sustainability of digitalization at the village level.

Abstract Background: Human papillomavirus (HPV) is a major causative agent of cervical cancer, particularly in resource-limited settings. Geographic information system (GIS) technology can improve vaccination strategies by identifying high-risk areas and optimizing resource allocation. Objectives: This study aimed to use GIS to map high-prevalence areas, identify vulnerable populations, and enhance HPV vaccination coverage in rural India. Materials and Methods: A cross-sectional study was conducted in Sangra Gram Panchayat, Sainthia Block, Birbhum District. Primary and secondary data, including Global Positioning System (GPS)-based household surveys and Census of India (2011) demographic data, were analyzed using GIS (QGIS 3.22.10) for mapping population density, literacy rates, sanitation, and vaccination coverage. Results: A total of 467 students were vaccinated across two phases, while 63 dropped out after the first dose. GIS mapping revealed correlations between poor sanitation, low literacy, and vaccination gaps. Conclusion: GIS enhances public health interventions by improving vaccination planning and monitoring. Integrating GIS into immunization programs can optimize healthcare resource allocation in rural settings.

Culinary MSMEs are among the fastest-growing subsectors of the creative economy in Indonesia,including in Kampar Regency. However, most of them still face challenges in competitiveness,particularly in terms of limited digital literacy, marketing strategies, and technology adoption. Thisstudy aims to analyze the application of Artificial Intelligence (AI)-based digital marketing inenhancing the competitiveness of culinary MSMEs in Kampar. A mixed-methods approach wasemployed, combining quantitative surveys of 50 culinary MSMEs and qualitative in-depthinterviews with business owners. The findings reveal that AI-driven digital marketing contributesto improving promotional effectiveness, personalized content, consumer trend analysis, andproduct distribution efficiency. Nevertheless, AI adoption remains limited to basic chatbots andsales analytics, with major barriers including investment costs, low digital literacy, and limitedecosystem support. These results highlight the importance of collaboration between government,academia, and industry in strengthening the digital capacity of culinary MSMEs to compete inboth local and global markets

This study aims to examine the influence of Self-Regulated Learning (SRL) on students’ mathematical literacy skills in the topic of Three-Variable Linear Equation Systems (SPLTV). Mathematical literacy is understood as the ability to formulate, employ, and interpret mathematical concepts in solving contextual problems. The background of this research arises from the low mathematical literacy skills of students at SMK TRIDARMA, as observed through initial observations and the 2024 education report. Many students struggled to identify essential information, apply mathematical procedures correctly, and interpret their solution results logically. Self-regulated learning was implemented to help students take greater responsibility for their learning process through the phases of planning, monitoring, evaluation, and reflection. This study employed a quasi-experimental method with a Pretest–Posttest Control Group Design. The research sample consisted of two eleventh-grade classes: the experimental class, which was taught using the self-regulated learning model, and the control class, which received direct instruction. Data on students’ mathematical literacy skills were collected through essay tests that had been validated by experts. The data were analyzed using ANCOVA to determine the effect of the treatment after controlling for students’ initial abilities. The results showed a significant difference between the two groups. The obtained F count of 97.02083 exceeded the F table value of 4.105, indicating that self-regulated learning had a positive and significant effect on students’ mathematical literacy skills. Students in the experimental class demonstrated greater improvement compared to those in the control class. Thus, it can be concluded that Self-Regulated Learning is effective in enhancing students’ mathematical literacy skills on SPLTV material.

Abstract Background Patient-reported outcomes (PROs) are crucial for guiding patient care and maintaining quality of life This study assesses the feasibility of computer-based adaptations of the Patient-Reported Outcomes Measurement Information System (PROMIS) in a clinical setting and compares its outcomes with the EORTC-QLQ-C30 and EORTC-BN20 questionnaires. Validated, modular computer adaptive testing might reduce patient survey burden and provide physicians with more precise PROs. Methods Newly diagnosed glioblastoma (GBM) patients were prospectively enrolled prior to radiation to evaluate feasibility. PROMIS modules were selected to reflect EORTC-QLQ-C30 and EORTC-BN20 domains, including anxiety, depression, fatigue, physical function, sleep disturbance, social satisfaction, cognitive ability, and global health. Patients completed both EORTC and PROMIS questionnaires electronically, preceding descriptive analyses. Results 43 patients with 124 responses were analyzed. 31 patients completed surveys before or within 14 days of radiation, and 12 were outside the radiation window, yielding 60 completed surveys. Median completion times for the EORTC-QLQ-C30 and EORTC-BN20 were 4.77 (range: 2.05–18.6) and 2.63 (range: 1.17–24.83) minutes, respectively. For most PROMIS modules, completion times ranged from 0.6–1 minute (range: 0.15–7.77), while global health took a median of 2.35 minutes (range: 1.02–21.12), The average time to completion was 8.65 minutes (range: 3.32–66.01). For most variables, PROMIS and EORTC-QLQ-C30 showed strong to moderate correlations Conclusions PROMIS measures correlated well with EORTC instruments, making them a suitable tool for evaluating patients with GBM. Response times were generally short, but variability suggested that low computer literacy, limited internet access, and disease burden may affect involvement.

Nutrition literacy and nutrition self-efficacy among rural older adults in China: A latent profile and computer-simulated network analysis.

Financial inclusion is an important element in equitable economic development. However, people with disabilities still face obstacles in accessing Islamic financial services. In fact, the Islamic financial system based on the principles of al-'adl (justice) and maṣlaḥah (benefit) is in line with the goal of Maqāṣid al-Syarī'ah to protect property (hifz al-mal), soul (hifz al-nafs), and human dignity (ḥifẓ al-'irdh). This study aims to analyze the inclusion of Islamic finance for people with disabilities in Indonesia through a literature review (library research) with a qualitative descriptive approach to legal sources, scientific literature, and regulatory agency reports. The results of the study show that despite regulations such as Law No. 8 of 2016, the Compilation of Sharia Economic Law (KHES), and POJK No. 6/POJK.07/2022, the application of Maqāṣid al-Syarī'ah values in Islamic financial services has not been optimal due to the limitations of inclusive infrastructure, low literacy, and the absence of specific technical guidelines. This research emphasizes the need to integrate the principles of Maqāṣid al-Syarī'ah in digital policies, regulations, and innovations in order to realize an inclusive and socially just Islamic financial system.