Use Of Cards Research Articles

Efektivitas Implementasi Kartu Tani terhadap Penyaluran Pupuk Bersubsidi di Desa Sinar Tebudak

The government's latest program in the agricultural sector is to create a policy of issuing farm cards. The problem with applying this farm card is that there are still blank spots or some places that don't have an internet network and if there's a blackout, the signal will be lost. Farm cards that have not been validated so that if the card is problematic it will be difficult for farmers. As well as lack of counseling that makes farmers slow to understand the use of farm cards. The purpose of this study can then be concluded that subsidized fertilizers are surveillance commodities whose distribution and purchase are subsidized by the government for the needs of farming groups. The method used is qualitatively descriptive. The data collection uses observations, interviews and documentation. The result of this study is that the presence of a farm card will facilitate the distribution of fertilizer to farmers. The significant factor affecting the effectiveness of this card implementation is the capable facilities and infrastructure to support the parties who will carry out the farm card program.

The Challenges and Solutions of Breaking Bad News in Midwifery: a Narrative Review

Introduction: Due to the high prevalence of adverse events during pregnancy and childbirth, the present study was conducted as a narrative review study investigating the challenges of disclosing bad news in the midwifery field and various intervention approaches for teaching bad news.
 Method: This study is in the form of a narrative review and by searching Persian and English databases including Medline, PubMed, Embase, Web of Science, Scopus, CINAHL, IRANDOC, Google Scholar, Iranmedex, medlib, Sid, and Mag-Iran with key Words including bad news, midwifery, childbirth, pregnancy, spikes (S-P-I-K-E-S), midwifery education were conducted in the time range of 1990-2022. Finally, 20 quantitative and qualitative articles were included in the research.
 Results: These articles were examined in two areas: the challenges of health personnel in conveying bad news and different strategies for teaching how to convey bad news. In studies, various techniques have been used to teach the delivery of bad news, such as Spikes protocol, ABCDE method, simulated patient or Mini-CEX, in the teaching of delivery of bad news in various fields of obstetrics, such as IVF failure, intrauterine death, etc. have been. The use of clinical encounter cards or CECs, Asci tests and Mini-CEX are techniques that were used to evaluate students.
 Conclusion: Proper transmission of bad news is one of the challenges of healthcare personnel. Using appropriate educational techniques for students and medical personnel can reduce the negative consequences of inappropriate transmission of bad news.

A theoretical examination of cash-back credit cards and their effect on consumer spending

The role of cash-back credit cards in personal financial strategies is highly debated. For example, Dave Ramsey (Ramsey, 2019) urges consumers to avoid even the most lucrative cash-back cards, while others argue that these cards offer significant savings. Herein, we construct models to analyze the use of cash-back cards by rational consumers, demonstrating that cash-back cards increase spending (and, thus, reduce savings) for some consumers. While prior research focuses on behavioral issues related to credit cards, our research is the first to show that some consumers will rationally increase spending when using a cash-back credit card in lieu of cash.

Identifying Credit Card Fraud in Illegal Transactions Using Random Forest and Decision Tree Algorithms

The use of credit cards is increasing in today's digital era. This increase has resulted in many cases of fraud which have had a negative impact on credit card owners. To overcome this, many financial institutions have developed credit card fraud detection systems that can identify suspicious transactions. This study uses a classification method, namely random forest and decision tree to identify illegal transactions using a credit card, which then compares the results and attempts to create a model that can be useful for detecting fraud using a credit card that is more accurate and effective. The result of this study is that the accuracy provided by the Decision Tree Classifier is 0.98, while the accuracy provided by the Random Forest Classification is also 0.975. The conclusion obtained that the decision tree has a higher level of accuracy compared to the Random Forest Classification Algorithm, which is 98%. On the other hand, the Random Forest classification algorithm has a slightly lower level of accuracy compared to the Decision Tree classification algorithm, with an accuracy rate of 97.5%

IMPLEMENTASI PENGGUNAAN ALAT EDUKASI KARTU BERGAMBAR (FLASH CARD) DALAM MENINGKATKAN KEMAMPUAN BAHASA INGGRIS SISWA

Students' interest in learning English is still low, which means students' English language skills are also low. This is because during the learning process in the classroom, teachers do not use learning media such as educational tools. Educational tools are very important if applied in learning. This is because educational tools can increase students' learning motivation so that learning is more meaningful, innovative and creative. Therefore, the service team carries out service activities regarding the use of educational tools in classroom learning. This service activity aims to increase students' interest in learning and also students' English language skills. This service activity was carried out at MIS Nurul Hidayah Medan. Participants in this activity were class V students consisting of 30 students. This activity will be carried out on September 6 2023. This activity will be carried out in 3 stages. The first stage is to give a pretest to students before carrying out implementation activities using picture card educational tools (flash cards). The second stage is implementing the use of flash cards in English lessons. The third stage is giving a posttest to students after carrying out implementation activities using picture card educational tools (flash cards). The results of this activity were that the student response was very good and students were more interested in learning using the flash card educational tool and there was an increase in student ability obtained from the N-Gain score which was in the medium category. So it can be concluded that the flash card educational tool can improve students' English language skills.

IMPLEMENTASI PEMBELAJARAN HAPPY LEARNING DAN KARTU SETORAN TPQ DI MASJID DESA NGARGOSARI BAGIAN UTARA UTARA

Research on the implementation of TPQ deposit cards in the northem part of the Ngargosari Village mosque. The application of use of the TPQ deposit card is used to determine the capacity of the ability of TPQ students in terms of reading the Al-Qur’an. This is because researchers found obstacles in TPQ learning activities, where the absence of a TPQ deposit card made it difficult for TPQ teachers to determine their level of understanding and skills in reading the Al-Qur’an. Meanwhile, so that students can easily master material related to Islamic religion, the researcher tries to use the Happy Learning method so that it can create a dynamic learning atmosphere because it was found that the early learning model was less sweet because it only focused on reading the Al-Qur’an. In explaining this research, it was carried outusing a qualitative approach. Meanwhile, the source of the data is taken from the library which tries to get from previous research and books that support and use observation and field practice.

Digital Financial Inclusion and Remittances: An Empirical Study on Bangladeshi Migrant Households

Globally, large numbers of adults remain unbanked, and most of them live in rural areas of the Third World. The recent outbreak of the COVID-19 pandemic has shown us how inequalities in accessing financial services continue to affect us. However, digital financial inclusion has emerged as an effective tool used to tackle socioeconomic ills and drive economic development. In fact, due to these modern technological developments, the number of studies in this area is very limited, especially in the context of developing economies. This study examines the impacts of migrant remittances on digital financial inclusion within households in Bangladesh by using the Migration and Remittance Household Survey. To meet the research objectives of this study, a household survey was conducted and 2165 households interviewed in 2022–2023 in Bangladesh. The survey data collected was tested using univariate and multivariate estimations. This study finds that the coefficient of remittance has positive relationships with the probability of e-bank accounts and the use of mobile banking for a household’s financial transactions. However, the use of ATM cards by households for financial transactions has not been significantly affected. The article concludes that remittance flows may enhance access to and use of means of digital financial inclusion by reducing some of the barriers and costs in Bangladesh, which could greatly contribute to the country’s economic growth by creating and increasing a strong fund for investment. The findings of this study can help in taking various steps to facilitate the most powerful financial sector of Bangladesh, namely, remittance management.

An Assessment of the Impact of EFCC in Curbing Vote Buying in Nigeria

This paper is an assessment of the performance of the Economic and Financial Crime Commission (EFCC) on the fight against vote buying in the Nigerian elections. Vote buying is a major problem in the Nigerian electoral system. The phenomenon reached an epidemic level in 2019 when the Independent National Electoral Commission (INEC) introduced a level of digitalization of the electoral process through the use of permanent voters' card and card reader machines in the Nigerian electoral system. The introduction of card reader machines and permanent voters’ cards reduced the incidences of electoral infractions like 'results writing' and 'impersonation' because the voters are expected to confirm their identities at the polling booths through the authentication of card reader machines. This technological innovation by INEC made the political class to concentrate more on vote buying. The paper shows that EFCC has not been effective in carrying out its duty as the government agency that has the legal responsibility of curbing vote buying in Nigeria.

Improving the Procedure of Delivering Serious News: Impact of a Six-Month Curriculum for Second Year Pediatric Residents.

Objective: We implemented and studied a novel curriculum that combined role play, didactic education, and the use of a procedure card for asynchronous learning to improve second-year pediatric residents' skills in delivering serious news. Design: Phase 1 established baseline performance with a self-efficacy survey and observed simulation delivering serious news. Phase 2 included directed education of participants with a validated communication skills training framework. During Phase 3, participants were instructed to review the communication procedure card as a just-in-time reference prior to delivering serious news to patients and their families over 6months. Following this period, participants completed a second self-efficacy survey and engaged in another observed simulation session delivering serious news. Pre and post intervention performance and self-efficacy were compared. Results: A total of 21 out of 26 (81%) participants completed all phases of this study. Participants had a statistically significant increase (p < .001) in self-efficacy scores post-intervention compared to pre-intervention for each of the skills to effectively deliver serious news: assess understanding, communicate news clearly, allow for silence, respond to emotion, and equip for next steps. Additionally, investigator assessments of participants showed an overall statistically significant improvement (p < .001) in all five communication skills post intervention compared to pre intervention. Conclusions: This curriculum resulted in significantly improved self-efficacy and observed ratings of communication skills in second-year pediatric residents over a 6-month period.

H - 64 When the Miranda Warning cannot be Understood: Implications of Utilizing an Unqualified Interpreter.

Crenshaw (1989) identifies intersectionality as the interface between a person's identities in relation to inequalities in social systems. She explicates how individuals receive distinct encounters with privilege and discrimination from society, depending on their unique amalgamation of personal, social, and political identities. An example of this is seen in a monolingual Spanish speaker of Mexican descent who underwent an independent neuropsychological evaluation to determine any cognitive impairment related to his legal charges. The defendant is a 39-year-old male with lifelong cognitive difficulties and one year of formal schooling. At the time of the arrest, he was interrogated with the assistance of an inexperienced, uncertified interpreter. Sight translation of the Miranda warning included 8 made-up words and multiple verb-tense errors, resulting in 15% + of the warning being nonsensical. The interview transcript indicated the defendant experienced frequent comprehension difficulties. The defendant is of extremely low intellectual abilities (FSIQ = 67, 1%ile). Cognitive deficits were observed across various domains including academic skills (reading, writing, math) and verbal comprehension. He is able to manage basic activities of daily living but needs assistance with more complex tasks (e.g., use of debit card, paying bills). The evaluation suggests the defendant likely did not understand the Miranda warning and was swayed to confess during the interrogation. To combat institutional bias, law enforcement should be educated on individuals with lower cognitive capacities and the importance of accurate Spanish translation. Ignoring intersectionality and institutional bias perpetuates inequities in culturally appropriate care but can also contribute to wrongful convictions.

Students’ Perception of the Role of Cue Cards to Help Students Improve Their Speaking Abilities in Senior High School 1 Ajibarang

The research entitled "Students' Perception of The Role of Cue Cards for Improving Students’ Speaking Skills" is intended to investigate whether the actual role of using cue cards in improving and enhancing students' speaking skills is effective or not for students of SMA N 1 Ajibarang. The subjects of this study were grade 10 students of SMA N 1 Ajibarang. The population of this study is class 10. While the sample of this study is 4 classes of grade 10. The data of this research were obtained through observation and questionnaires as the research instrument. The results of this study indicate that the use of cue cards has a strong influence on students in the learning process, student motivation, and the output of learning activities.

Analysis of Indexes of the Russian Bank Cards Market by Various Criteria

Purpose of the study. The article presents the results of a study and analysis of the performance indexes of the Russian bank cards market on various grounds, because bank cards contribute to increasing the availability of financial services. Having a bank card allows you to carry out financial transactions anytime and anywhere and makes these transactions more convenient and transparent. The use of bank cards as a non-cash form of payment is not only convenient and practical, but also contributes to improving the economic situation in the country, expanding the availability of financial services and improving financial literacy.Materials and methods. As research tools, such methods were used as: analysis of the structure and dynamics of the main indexes, correlation and regression analysis, analysis of time series and forecasting, graphical and tabular methods for presenting research results.Results. The analysis carried out in relation to the issue of bank cards in Russia made it possible to establish the impact on the number of payment cards of two factors: the number of credit institutions and the average per capita income of the population (per month). The results obtained showed that an increase in the number of credit institutions leads to a reduction in the number of issued payment cards. In turn, with an increase in the average per capita monetary income of the population (per month), the number of payment cards increases. This suggests that a high level of income and good conditions for obtaining credit funds are an incentive to use payment cards. Bank cards are an integral part of the financial services market. The development of the bank card market has an impact on stimulating the country’s economic growth and improving the quality of life of the population. In modern conditions, banks are actively introducing electronic technologies and improving the use of bank cards by customers. The creation of convenient services and the introduction of new technologies make it possible to expand the possibilities of using bank cards for their holders.

Use of simulation scenarios and vote cards in teaching critical appraisal concepts in evidence-based medicine

BackgroundThe most effective method of teaching critical appraisal concepts remains unclear. We used simulation scenarios in a Risk-of-Bias (RoB) 2.0 framework to teach the various biases that may affect randomized controlled trials and assessed whether including this interactive session in an evidence-based medicine (EBM) course for third-year preclinical medical students can optimize their understanding of critical appraisal concepts.MethodsThe session had 13 modules, each corresponding to a particular risk of bias in RoB 2.0. Each module included a simulated scenario, followed by data presentation and a generalized conclusion. The students were subsequently asked to use colored vote cards to indicate whether they agreed, had some concern, or disagreed with the conclusion and to justify their answers. On the basis of the students’ answers, the facilitator debriefed the scenario and addressed the specific bias. In each module, the students were required to demonstrate critical thinking in analyzing the claims and quality of the supporting evidence and in justifying their decisions, thus conceptualizing their understanding of research biases.ResultsWe included 306 students across two pilot sessions in spring 2020 and 2021, and the response rate was 97.4%. The students were least able to discern the following problems: baseline imbalances when assessing allocation bias (correct answers: 9.06%), missing outcome data when assessing attrition bias (correct answers: 11.65%), and balanced nonprotocol interventions when assessing performance bias (correct answers: 14.88%). The postcourse survey revealed several aspects of the interactive session that the students appreciated or found challenging.ConclusionPreclinical medical students generally appreciated the inclusion of simulation scenarios and vote cards in an EBM course. The use of vote cards facilitated medical students’ understanding of critical appraisal concepts, uncovered areas that they found challenging to understand, and encouraged their active participation. Such interactive sessions should be increasingly included in medical education.

The use of professional audio external USB sound cards for building acoustics measurements

CSIRO purchased an open application programming interface for hardware with an ethernet connection from a major acoustical instrument manufacturer. Using this interface, the author developed software for fractional octave band filtering with linear and exponential averaging. He then extended this software to automatically measure reverberation time. Fast Fourier Transform and Stepped Sine software was also developed. He then realized that CSIRO also owned two professional audio external USB sound cards. One of these had eight analogue inputs and ten analogue outputs. The other had two analogue inputs and two analogue outputs. Both could supply 48 V phantom power on their analogue inputs. It is possible to purchase phantom power preamplifiers for professional measurement microphones, but CSIRO decided to purchase phantom power to IEPE pre-amplifier adaptors. This enabled the use of professional pre-polarized microphones with IEPE microphone preamplifiers and accelerometers with built-in IEPE preamplifiers. CSIRO also had external USB hardware from another acoustical instrument manufacturer. Upon opening this instrument, it consisted of a professional audio external USB sound card and an IEPE front end for the two analogue input channels. The author decided to produce a version of his software that could be used with these three external USB sound cards.

Random Forest and Extreme Learning Machine Algorithms for High Accuracy Credit Card Fraud Detection

Abstract: The banking sector is facing a huge issue with credit card fraud, and research has shown that machine learning algorithms are a useful tool for identifying fraudulent actions of this kind. In this investigation, we offer a method for detecting fraudulent use of credit cards that makes use of a hybrid of two machine learning algorithms known as Random Forest (RF) and Extreme Learning Machine (ELM). We compiled a dataset using information obtained from a wide variety of sources, and then we preprocessed it to eliminate any inconsistencies and errors. Following this, the RF and ELM algorithms were put into action and trained on the dataset in order to provide forecasts on the occurrence of fraudulent acts. Measures of performance such as determining how accurate the algorithms are are examples. According to the findings of our research, the ELM algorithm is more accurate than the RF algorithm when it comes to the detection of fraudulent credit card activity.

The effect of personal factors and situational factors on impulse buying on Tiket.com users in Indonesia

This study aims to examines the effect of personal factors and situational factors on impulse buying in the context of impulse tourism especially on Tiket.com users in Indonesia. The survey method was used, and questionnaires were distributed to Tiket.com users. A sample of 400 respondents and the data were analyzed using multiple regression analysis with the help of SPSS 26 version software. The findings reveal that impulse buying tendency (IBT), materialism (MT), use of credit cards (CCU), personal situation (PS), motivational activities by retailers (MAR), serendipity information (SI) have a positive and significant effect on impulsive buying among Tiket.com users in Indonesia. Higher level of IBT, MT, CCU, PS, MAR, and SI variables increase the impulse buying impulse purchases for Tiket.com users in Indonesia. However, the research shows that website quality (WQ) and product attributes (PA) have a negative and significant influence on impulsive buying. The shopping enjoyment tendency (SET) and scarcity (SC) have no effect on impulsive buying (IB) for Tiket.com users in Indonesia. Based on these findings, it is suggested that further studies be conducted utilizing the same model with various objects to compare impulse purchases among Online Travel Agent (OTA) users and provide new insights into consumer behaviour, along with explore other factors that influence impulse purchases.

Implementation of Universal Newborn Hearing Screening in the Philippines: A Survey of Registered Newborn Hearing Centers.

Universal newborn hearing screening is mandated in the Philippines through the Universal Newborn Hearing Screening and Intervention Act of 2009 (RA 9709). Newborn hearing screening (NBHS) centers are required to perform screening tests, compile and submit data on screened newborns, and advise parents on the subsequent steps after NBHS. The study aimed to conduct a survey of the implementation of the Universal Newborn Hearing Screening and Intervention Program (UNHSIP) in the different regions of the country; and assess the information technology (IT) capabilities of hearing centers. Fifty-one NBHS centers across twelve regions were surveyed through on-site inspections in 2016. Data was gathered on the centers' testing capability, staffing, access to specialists, use of local protocols, connectivity, and IT capabilities. All surveyed centers followed the recommended protocols of the Manual of Operations of the Universal Newborn Hearing Screening and Intervention Act of 2009 (RA 9709). Among the 12 regions visited, only five (41.67%) had Category C centers with confirmatory testing and early amplification services as recommended. Majority of facilities (96.1%) were staffed by trained and certified personnel. A small percentage had access to subspecialists such as clinical audiologists (39.2%) and speech-language pathologists (23.5%). All facilities had computer access, but only 58.8% had internet access. Majority (94.1%) of the centers visited were not using the recommended data submission methods, specifically the use of registry cards and the online registry. Only 27.5% of centers had data on newborns who underwent confirmatory testing or early intervention. Facilities were found to be compliant to NBHS screening protocols and majority complied with certification requirements for staff; but were found to be non-compliant with use of registry cards or the online registry. Majority of centers were able to contact the parents of neonates who did not pass newborn screening, but had no system to track outcomes. Lack of confirmatory and early intervention services in identified areas emphasize the need for development of regional centers. It is recommended that measures to improve the utilization of the online registry are taken.

The relationship between the role of the family and the use of control card with the level of compliance with medication in elderly patients at UPTD Puskesmas Wonokromo

Introduction: Non-compliance is the cause of therapy failure, which has an impact on the worsening of the patient's condition because of complications and damage to organs. Family support plays an important role for the elderly because the family is a support system, which requires the presence of the family to assist in daily activities, for example in terms of reminding you to take medication regularly and so on. The purpose of this study was to analyze the relationship between the role of the family and the use of control cards with the level of adherence to medication in elderly patients. Methods: This research is an analytic correlation with a cross-section approach. The population in this study was all elderly in the UPTD Puskesmas Wonokromo, with a total of 993 elderly. The number of samples studied amounted to 285 respondents. The data collection technique used non-probability sampling purposive sampling, the instrument used was a family role questionnaire, a Morisky Medication Adherence Scale (MMAS) medication adherence quasi-satire, and a drug control card sheet. Data analysis using a rank- spearman statistic test with a significant value of p &lt; = 0.05. Results: The results showed that of the 285 respondents, almost half (49.1%) had good family roles, most (55.4%) had routine control cards and most (55.4%) medication adherence was obedient. Based on the Spearman rank test found that the significance level &lt; = 0.05, so there is a relationship between family roles and the use of control cards with the level of adherence to taking medication for elderly patients. Conclusion: There is a relationship between the role of the family and the use of control cards with the level of adherence to taking medication in elderly patients.

KAJIAN HUKUM PERLINDUNGAN KONSUMEN TERHADAP KONSUMEN YANG MENGGUNAKAN KARTU KREDIT

The dynamics of the development of an increasingly modern global society along with the development of its economy has also influenced the pattern of life of the people themselves. Credit cards as an aspect of modern society's life have become a means of payment in lieu of cash which is increasingly in demand by the public or consumers today, because they have their own prestige, and have even become a lifestyle trend in big cities. This is also supported by the many shopping centers that serve cashless payments. In Law Number 8 of 1999 Article 1 paragraph (1) concerning Consumer Protection, it states that "Consumer protection is all efforts that guarantee legal certainty to provide protection to consumers." The general objective of writing this thesis is to explain how to study consumer protection law for consumers who use credit cards. The increase the use of credit cards is certainly triggered many benefits that can experienced credit card holders, especially the ease of making transactions and security for consumers because they do not need to carry large amounts of cash. The approach to using a credit card is not only carried out in terms of economic needs, but must also be supported by a legal approach, so that it is recognized and applies in economic law relations. This type of research empirical legal research and the nature of research is descriptive qualitative and the data used are primary and secondary data.

The main factors affecting credit card use in Albania-the case of Tirana

Considering the importance of debt in the economy, this study aims to find out the main factors that indicate the changes in credit card usage in Albania. Moreover, the research is focused on answering the questions regarding the attitude of cardholders and non-cardholders in particular after Covid-19 pandemic. Firstly, specific data have been taken from the Bank of Albania and the information was used to release the position of credit cards in Albania in recent years, by illustrating the total number of credit card payments and the number of issued and active credit cards in years. After that, a survey was conducted through an online questionnaire and personal interviews in order to have a clear picture of the current use of credit cards in Tirana. Data collected and analyzed points out that the majority of citizens have knowledge about credit cards. It is indicated that education and level of income are the main factors that affect credit card usage. The pandemic situation affected also the behavior of customers, making them buy more often with credit cards. The data show that the biggest advantage regarding credit cards is that they are a very practical payment method. However, financial institutions should create other eligibility criteria that could be met by a wider proportion of the population and also they should be more informative. As this research paper is related only to people who live in Tirana, further study is needed to cover other regions of Albania as well.