Use Of Advanced Technologies Research Articles

Development And Impact Of Financial Technology (Fintech) On The Islamic Financial Industry Perumda BPR Majalengka

The purpose of this study was to examine how the development and impact of Fintech on the Islamic finance industry in Majalengka. The research method used is descriptive qualitative method and combines two types of research, namely field research and library research. Field research by collecting information from the Financial Services Authority (OJK) Majalengka, and from the Islamic Finance industry, namely Perumda BPR Majalengka. Along with the development of technology, the financial industry is also growing with the emergence of Fintech (financial technology). Fintech is one of the innovations in the financial sector that refers to modern technology. The development of Fintech so that Sharia-based Fintech appears and facilitates customers will certainly affect the formal Islamic finance industry such as Islamic Banks, Sharia BPRS, BMTs and other formal Islamic finance industries where transactions in the formal Islamic finance industry still use physical transactions. in transactions and have not made much use of technological advances that are growing. This will make the formal financial industry less effective because it costs more and takes more time. If the Islamic finance industry is not able to innovate and utilize technology, it will be left far behind by the Fintech-based financial industry which is developing very rapidly.

Growth Strategies and Performance of Commercial Banks in Nairobi County, Kenya

Changing trends globally and customers’ expectations are forcing banks to search for new ways of income generation. Growth strategies often play a vital role in a business’s management as it allows a company to choose a direction of action and determine how to achieve its goals. The general objective of the study was to determine the effect of growth strategies on performance of commercial banks in Nairobi County, Kenya. The specific objective was to examine effect of diversification strategy on performance of Commercial banks in Nairobi County, Kenya. The study was anchored on porters’ theory of competitive advantage and modern portfolio theory. This study adopted a descriptive research design. The target population was 794 bank staff from 39 commercial banks in Nairobi County. Stratified random sampling was used to sample 238 bank staff. The study used primary data which was collected using questionnaires. A pilot study was conducted with 24 respondents representing 10% of the sample. The research used content validity. Cronbach’s Alpha Coefficient method was used to measure questionnaire reliability. Ethics of confidentiality, anonymity, no harm to the respondents’, and voluntarily participation was adhered to strictly when collecting data. Quantitative data was analyzed using descriptive and inferential statistics and tabulated. The findings showed that diversification enables the bank to leverage its resources effectively and that diversification enhances risk minimization in the banks’ investments. It was also found that diversification influences good decision making on profitable investments. In addition, the study established that risk mitigation strategies are reinforced through diversification. The study concludes that diversification strategy has a positive and significant effect on the performance of commercial banks in Nairobi County, Kenya. This study recommends that the banks should adopt diversification in their operations through use of technological advancements and other aspects such as innovation and benchmarking strategies to realize full benefits of diversification. Further, the management of commercial banks in Nairobi County should formulate and implement effective strategies to enhance regional, national and new customer segments development. Key words: Growth Strategies, Diversification Strategy, Organizational Performance

Relasi Magis, Agama dan Pengetahuan dengan Sistem Kepercayaan Tradisional pada Long Storage Kalimati

Related to the traditional belief in the Long Storage of Kalimati, this study aims to explain the relationship between various kinds of beliefs that exist in the residents of Leminggir Village, Mojosari District, Mojokerto Regency. The focus of this study is to determine the relationship between magic, religion and knowledge with the traditional belief system of society. This descriptive study was prepared using ethnographic methods and the use of J.G Frazer's theory of religious evolution because it is in accordance with the main concepts that discuss magic, religion, and science. The main object of this research is the Kalimati Long Storage. The main data source of this study was obtained based on the results of interviews with Mr. Turoikhan, an elder, a resident of Leminggir Village.The results of the discussion show that there is a belief in the people of Leminggir Village towards magic, religion and knowledge that go hand in hand. As shown by the public's belief in supernatural beings who are the cause of the drowning of children, so that in their search efforts use magic, as well as religious methods as well as the use of technological advances like a motorized boat. The benefit of this research is that it can be used as an educational medium about a culture of tolerance and mutual respect for the existence of various beliefs.
 Keywords: evolution religi; traditional belief system; Long Storage Kalimati

Teaching through virtual tools and its effect on the perception of student satisfaction

In this context of virtualization, the educational sector has seen the need to make use of technological advances, for this reason it is important to know the perception of students, after having fully adapted distance learning through tools. virtual, which have allowed teachers and students to maintain the pedagogical link at a distance, either through the virtual classroom or through the use of simulation software. In this sense, the objective of this article is to identify the perception of teaching through virtual tools in university students and determine its level of effect or relationship in student satisfaction. This research is approached from a qualitative approach using the Likert measurement method and a content analysis methodology using virtual instruments. The results of the study indicate that 92.9% and 89.3% of the students are satisfied, these results focus on the indicators "absolves the questions asked regarding the use of virtual tools" and "knowledge shown by the teacher in the development of the sessions through virtual tools”. Likewise, the correlational analysis, through Spearman's Chi square test, establishes that there is a high relationship or significant effect of 0.850 between the perception of teaching through virtual tools with student satisfaction.

Infancy researchers need to change the way they develop their measures: A comment on Byers‐Heinlein et al. (2021)

AbstractIn their article, Byers‐Heinlein et al. (2021) propose six solutions to create more reliable measures for infancy research. Whereas some of their solutions focus on changing the culture in the field (reporting on reliabilities, choosing measures based on psychometrics instead of conventions or face validity, conducting research on psychometrical qualities of measures), other solutions directly relate to the implementation of tasks or data analysis (collecting additional data, exclusion of unreliable trials, more sophisticated analyses). In this commentary, we highlight challenges in the assessment of measurement reliability and why the characteristics of current measures in infancy research make it difficult to add additional trials as suggested by Byers‐Heinlein and colleagues. We then propose how the field of infancy research could move forward by changing (1) the way measures are developed and (2) what kind of measures are developed.Highlights Different types of measures require the calculation of different types of reliability: retest reliability, parallel test reliability or internal consistency. Increasing internal consistencies by the addition of trials is often not feasible. The collaborative development of standardized measures improves measurement reliability, increases the replicability of results and fosters comparability across studies. Instead of measures with few trials of long duration, infancy researchers should make use of technological advances and develop measures that operate on shorter time scales.

UPAYA SATLANTAS POLRESTA PALANGKA RAYA DALAM MENCEGAH PEMALSUAN USIA OLEH PEMOHON PENERBITAN SIM C

To be able to have a driver's license for drivers of various types of vehicles must meet the conditions that have been set. Similarly, with driver's license C, one of the conditions that must be met is a minimum age of 17 years. It becomes a problem when the driver's license issuance applicant is a minor. Until now, there are still parents or applicants themselves who do the act of ageing to be able to issue a driver's license. In fact, Law No. 22 of 2009 concerning LLAJ and Perkapolri No. 9 of 2012 concerning driver's license has set the age limit allowed to apply for the issuance of driver's license C is 17 (seventeen) years. The formulation of the problem taken is what efforts are made by the Palangka Raya City Resort Police Traffic Unit to prevent age falsification by applicants for the issuance of a Two-Wheeled Motor Vehicle Driving License (driver's license C). This type of research uses juridical-empirical methods by looking at the application of rules in the field. The results found that the efforts made were to conduct law enforcement in the form of preventive approaches such as attaching additional conditions for applicants to issue new driver's license C indicated to be minors, the use of technological advances through the detection of NIK from driver's license C applicant ID cards online, as well as socialization through the installation of banners or banners in the Regident Satlantas Unit of Palangka Raya Police and through social media to prevent age falsification by reducing the age of the driver's license applicant.
 
 Keywords: Prevention Efforts, Age Falsification, driver's license C, Satlantas, Palangka Raya Police

Pendampingan Wirausaha Berbasis Modul ILO Score Training di Toko Shanti Bhuana

Community service in the form of mentoring MSMEs is an activity related to the tridrama of higher education which is closely related to today's daily life, especially in the all-digital era. Based on data from the Indonesian Central Statistics Agency (BPS), Indonesian MSMEs have contributed 60.3% of Indonesia's total Gross Domestic Product (GDP). However, only 13% of the total MSMEs make good use of technological advances. One of the MSMEs that have not implemented the digital era as an opportunity is Shanti Bhuana Shop. The assistance provided to the Shanti Bhuana Shop SMEs to help Shanti Bhuana Shops implement ILO Score Training as a means to facilitate Shanti Bhuana Shops in compiling a business model or creative and innovative business. The assistance and management that will be carried out for Shanti Bhuana Stores is to introduce ILO Score Training and Google My Business. The methods applied in the service to the Shanti Bhuana Shop are lectures, tutorials, and practices. During the mentoring program, scheduled activities have been implemented. From the mentoring and management program to the Shanti Bhuana Shop. The result of this service is where Shanti Bhuana Store itself has successfully implemented ILO Score Training and Google My Business with intense assistance. It is estimated that the visits and sales of Shanti Bhuana's shop will increase after successfully implementing the ILO Score Training and Google My Business.
 
 Kata kunci: MSME, Shanti Bhuana Shop, Google My Business, ILO Score Training and Community

Evaluation of national disaster management strategy and planning for flood management and impact reduction in Gaborone, Botswana

Floods and droughts are the most common natural disasters that have and continue to result in huge economic losses and loss of life across southern Africa. Flood disasters come about due to intersection of flood waters with areas that are unprepared to deal with flooding, mostly due to poor physical planning and layout of developments and corresponding storm drainage networks especially in urban areas. With the case of Botswana, this is further exacerbated by ineffective disaster management strategies which are limited in providing comprehensive and proactive guidelines for mitigation and adaptive measures. Further, failure of the Botswana disaster management strategy is as a consequence of it being used as an all-purpose disaster management framework that does not recognize that different types of disasters have their individual unique challenges. This study, therefore, used the disaster management cycle to evaluate Botswana's generic national disaster management strategy and planning program in Gaborone. In evaluating the strategy, planning and policy, a mixed method approach was adopted at which key informant interviews were purposefully implemented with process evaluation through document review to identify and determine whether the strategies and plans meet intended goals following Risk Management Performance Index (RMI) criteria. Botswana's generic national disaster management strategy performed low when evaluated against the RMI. This low performance is mostly attributed to low technology uptake as use of technological advancements to respond to the changing dynamics of flood disasters are not assimilated into the current strategy, planning and policies which appear outdated. This, therefore, means the national management strategy, plan, and policy has reached their design life and thus should be replaced as a matter of urgency.

An overview of targets and therapies for glioblastoma multiforme.

Glioblastoma multiforme (GBM) affects individuals above 65 years of age and has low median survival rate. Due to limited treatment options, lack of effective diagnosis, and palliative care, there is an urgent need to develop new therapeutic strategies to combat GBM. This review provides an overview of the current clinical trial scenario with a special focus on new targets, repurposed drugs, and technologies in the field of GBM. The use of technological advances and artificial intelligence in diagnosis and imaging is also discussed. In addition, this review also highlights the need to design a dynamic palliative care strategy for end-of-life management of patients with GBM.

Upaya Notaris Dalam Menggali Kebenaran Materiil Di Setiap Pembuatan Akta

The problem presented in this writing is the obligation of the notary to dig up the material truth in each deed and in case of the notary is asked for information before the court in regards to the said material truth. This method employed in this research is normative or doctrinal in which the object is statutory regulations with a case and doctrine approach, then the primary legal materials are statutory regulations and secondary legal materials are books and journals. The results of this study conclude first, applying the provisions of the Notary Position Law (Undang-Undang Jabatan Notaris, UUJN) and its amendment, the principle of prudentiality in the oath and obligations of a notary, the principle of good governance and the principle of implementing the duties of a notary, providing legal counseling, examining all files carefully and rightfully against the requirements for making a deed even going into the field, the deed must be complete, clear, valid and correct, make good use of technological advances, as well as witnesses from the applicants. Second, the role of the notary in court in relation to material truth, that is, the notary as a witness in court proceedings in connection with the deed he made provides information regarding the procedure for drawing up the deed, the relationship between the applicant and the notary and the position of the notary's office or regime. The author suggests that the present problem in order to dig up the material truth by a notary, government support is needed regarding further regulation in order to realize legal certainty and educate the public that a notary is a law enforcement officer, especially civil law.

Innovation of Islamic Religious Education In The Digital Era

In the current era of technology is the existence of learning innovation. Educators, especially Islamic religious educators, must make the best use of technological advances. Utilization of technology in the learning process both in the classroom and outside the classroom is a must so that the learning process is not stagnant and rigid. The internet as a learning innovation that is more modern, adaptive, and aligned with the independent learning curriculum is a learning medium that can be an alternative method of PAI learning. This can be in the form of e-learning or applications that facilitate the delivery of learning materials, so that the learning process is more interesting and not boring, so that it can improve Islamic education in Indonesia.

Pendampingan Business Model Canvas dan Google My Business Kepada Malijo Coffee Shop

Micro, Small and Medium Enterprises (MSMEs) are activities that are closely related to today's daily life, especially in the all-digital era. Based on data from the Indonesian Central Statistics Agency (BPS), Indonesian MSMEs have contributed 60.3% of Indonesia's total Gross Domestic Product (GDP). However, only 13% of the total MSMEs make good use of technological advances. One of the MSMEs that have not used the digital era as an opportunity is the Malijo Coffee Shop (MCS). The purpose of this community service activity for MCS is to provide knowledge and maximize the potential of the coffee shop business by using the Business Model Canvas approach and the internet-based supporting application Google My Business. The methods applied in the service to MCS are lectures, tutorials, and practices. The result of this service is an increase in the understanding of MCS owners on the implementation of business strategies through BMC and Google My Business assistance and an increase in the number of visitors compared to before and after the implementation of this assistance.

FAKTOR KEMAJUAN TEKNOLOGI DAN SUMBER DAYA MANUSIA TERHADAP PENINGKATAN PENDAPATAN UMKM ERA REVOLUSI 4.0

This study was to analyzed technological advances and human resource capabilities factors to increase income in the Industrial Revolution Era during the Covic-19 Pandemic especially in Pasuruan Regency, using quantitative research with questionnaires. The data was analyzed using multiple regression with SPSS analysis tools. The result showed that in this current era of the industrial revolution 4.0, technology was very helpful in the business world, whether it’s micro, small or even medium scale, getting a positive impact. Everything can be accessed, especially in product marketing. The need for involvement of both business owners and employees who work must be able to understand and be directly involved in the use of the technology. Through the use of the marketplace, MSMEs' income has increased. Human resources must have unique knowledge, skills and even motivation to develop a business so that the desired amount of income can be achieved. Human resources are an important factor that must be considered in achieving the company's target goals, namely income that is always increasing so that it can maintain business continuity. The use of technological advances and human resource capabilities affect MSME income in Pasuruan Regency.

A System Innovation Approach for Science-Stakeholder Interface: Theory and Application to Water-Land-Food-Energy Nexus

The Water-Food-Energy Nexus can support a general model of sustainable development, balancing resources with increasing economic/productive expectations, as e.g., in agriculture. We synthesise lessons from Greece's practical and research experience, identify knowledge and application gaps, and propose a novel conceptual framework to tackle these challenges. Thessaly (Central Greece), the country's driest region and largest agricultural supplier is used as an example. The area faces a number of water quantity and quality issues, ambitious production-economic objectives, continuous (historically) drought and flood events, conflicts, administrative and economic issues, under serious climate change impacts. A detailed assessment of the current situation is carried out, covering all these aspects, for the first time in an integrated way. Collaboration gaps among different stakeholders are identified as the biggest impediment to socially acceptable actions. For the first time, to our knowledge, the Nexus is set as a keystone to develop a novel framework to reverse the situation and achieve sustainable management under socially acceptable long-term visions. The proposed framework is based on Systems' Theory, innovation, uses a multi-disciplinary platform to bring together all relevant stakeholders, provides scientific support and commitment, and makes use of technological advances for the system's improvement.

A model for sustainable, partnership-based telehealth services in rural India: An early process evaluation from Tuver village, Gujarat

BackgroundTelehealth can improve access to high-quality healthcare for rural populations in India. However, rural communities often have other needs, such as sanitation or employment, to benefit fully from telehealth offerings, highlighting a need for systems-level solutions. A Business of Humanity approach argues that innovative solutions to wicked problems like these require strategic decision-making that attends to a) humaneness, e.g., equity and safety and b) humankind, or the needs and potential of large and growing markets comprised of marginalized and low-income individuals. The approach is expected to improve economic performance and long-term value creation for partners, thus supporting sustainability.MethodsA demonstration project was conducted in Tuver, a rural and tribal village in Gujarat, India. The project included seven components: a partnership that emphasized power-sharing and complementary contributions; telehealth services; health promotion; digital services; power infrastructure; water and sanitation; and agribusiness. Core partners included the academic partner, local village leadership, a local development foundation, a telehealth provider, and a design-build contractor. This early process evaluation relies on administrative data, field notes, and project documentation and was analyzed using a case study approach.ResultsFindings highlight the importance of taking a systems perspective and engaging inter-sectoral partners through alignment of values and goals. Additionally, the creation of a synergistic, health-promoting ecosystem offers potential to support telehealth services in the long-term. At the same time, engaging rural, tribal communities in the use of technological advances posed a challenge, though local staff and intermediaries were effective in bridging disconnects.ConclusionOverall, this early process evaluation highlights the promise and challenges of using a Business of Humanity approach for coordinated, sustainable community-level action to improve the health and well-being of marginalized communities.

Internet gaming disorder, exercise and attention deficit hyperactivity disorder: The role of symptoms of depression, anxiety and stress.

One of the issues that have risen the past few decades due to excessive use of technological advances is internet gaming disorder (IGD). Past research has concluded that there is a negative association between IGD and exercise as well as a positive association between IGD and attention deficit hyperactivity disorder (ADHD). However, the existing studies on these subjects are scarce. Furthermore, researchers have showcased that symptoms of depression, anxiety and stress are positively associated with IGD and ADHD but negatively associated with exercise. Consequently, maybe these symptoms mediate the relationships between IGD, exercise and ADHD. The purpose of the present study is to investigate the relationship between IGD and exercise as well as between IGD and ADHD. A correlational study was conducted on 515 adults through Google forms. The Internet Gaming Disorder Scale-Short-Form was used to detect IGD symptoms, the Leisure-Time Exercise Questionnaire was utilized so as to evaluate participants' leisure - time exercise habits, and the Barkley Adult ADHD Rating Scale was used to assess ADHD symptoms. Furthermore, the Depression, Anxiety and Stress Scale-21 was utilized to evaluate symptoms of depression, anxiety, and stress. It was found that there is a negative correlation between IGD symptoms and leisure time exercise as well as a positive correlation between IGD symptoms and ADHD symptoms. Moreover, when taking all the variables that were examined into consideration, it was indicated that inattention symptoms and impulsivity symptoms were significantly associated with IGD symptoms whereas symptoms of depression were partially and significantly mediating the association between IGD symptoms and Attention deficit as well as the association between IGD symptoms and Impulsivity. The findings of the current study suggest that people who deal with IGD symptoms tend to exercise less on their free time. Additionally, people with more IGD symptoms display not only more ADHD symptoms, symptoms of inattention and impulsivity specifically, but also more symptoms of depression. Therefore, clinicians should evaluate the possible coexistence of such symptoms when treating people with IGD, in order to prevent as well as treat more efficiently IGD and its consequences.

POSSIBILITY OF COORDINATION OF MONETARY AND FISCAL POLICIES IN EEU: KYRGYZSTAN CASE

Integration processes continue in the EEU. They move in different directions, increasing the rate of circulation of goods, people and capital within the Union. In the developments taking place in the Union, special attention should be paid to innovative processes, which are influenced by many factors of internal and external politics. In general, the modernization of the EEU economy as a result of the use of advanced technologies of the time is a very important agenda that should be pursued in all member states. In this context, this study refers to the Kyrgyz economy, within the framework of which the possibilities of coordinating monetary and fiscal policies in the country were studied in terms of achieving two main goals: the maximum gross output of the high-tech industry and the minimum levels of inflation. Based on the above objectives, the dynamics of fiscal and monetary policy instruments and a number of other economic indicators were considered in the research. Based on it, two econometric models were proposed, which were the winning functions of the proposed game model. After estimating the above models, the components of the game matrix were calculated. As a result of the observation of the matrix game, the partial possibilities of coordination of fiscal and monetary policies were shown.

Трудноизвлекаемые запасы нефти: проблемы и перспективы

The article deals with the problems of field development characterized by deterioration of the structure and an increase in the share of hard-to-recover and residual oil reserves, including with the use of advancedtechnologies to increase oil recovery and intensification of oil production.

A Machine-Learning-Based System for Prediction of Cardiovascular and Chronic Respiratory Diseases.

Cardiovascular and chronic respiratory diseases are global threats to public health and cause approximately 19 million deaths worldwide annually. This high mortality rate can be reduced with the use of technological advancements in medical science that can facilitate continuous monitoring of physiological parameters—blood pressure, cholesterol levels, blood glucose, etc. The futuristic values of these critical physiological or vital sign parameters not only enable in-time assistance from medical experts and caregivers but also help patients manage their health status by receiving relevant regular alerts/advice from healthcare practitioners. In this study, we propose a machine-learning-based prediction and classification system to determine futuristic values of related vital signs for both cardiovascular and chronic respiratory diseases. Based on the prediction of futuristic values, the proposed system can classify patients' health status to alarm the caregivers and medical experts. In this machine-learning-based prediction and classification model, we have used a real vital sign dataset. To predict the next 1–3 minutes of vital sign values, several regression techniques (i.e., linear regression and polynomial regression of degrees 2, 3, and 4) have been tested. For caregivers, a 60-second prediction and to facilitate emergency medical assistance, a 3-minute prediction of vital signs is used. Based on the predicted vital signs values, the patient's overall health is assessed using three machine learning classifiers, i.e., Support Vector Machine (SVM), Naive Bayes, and Decision Tree. Our results show that the Decision Tree can correctly classify a patient's health status based on abnormal vital sign values and is helpful in timely medical care to the patients.

GAMBARAN PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH) DALAM BENTUK PINJAMAN ONLINE (PINJOL) PADA UMKM DI INDONESIA

The use of technological advances in the financial sector is growing rapidly. Technological innovations present a more practical financial transaction process, one of which is applied to online loans. Online lending business practices connect lenders with online lenders. The disbursement of 22 trillion loans from 99 online loan companies registered with the OJK has made 9 million transactions to more than 3 million Indonesians. For this reason, it is necessary to analyze the factors that influence interest in using financial technology in the form of online loans. As one of Indonesia's financial drivers, Micro, Small and Medium Enterprises (MSMEs) play a role in transactions using online loan platforms. This study uses a quantitative approach by conducting an online survey of MSMEs to obtain primary data. The survey results show that 44.41% of SMEs use registered online loans, 18.75% use unregistered loans and 36.84% do not. The majority of businesses are SMEs in the culinary field with 58.88% of the main occupations, 50.99% having high school education and 66.78% living in rural areas. From a psychological point of view, most MSME actors make online loans from self-indulgence and have sufficient perceptions, lack of knowledge and sufficient attitudes. From social factors, most of them are motivated by colleagues who use online loans. Most of the MSME sellers are aged 36-45 years with a monthly net income of less than 5 million.