Relationship between financial literacy and financial distress among youths in Malaysia - an empirical study

This paper examines the relationship between the levels of financial literacy and financial distress among Malaysian youths. A quantitative approach was adopted to determine the relationship between variables of financial literacy and those of financial distress. Questionnaires from previous studies were used to determine the levels of financial literacy and financial distress of 430 youths. The findings show that the levels of respondents’ financial distress and financial literacy were moderate. The study also shows that there is a positive but weak relationship between financial literacy and level of financial distress. The implications of the study points to the fact that the organizations concerned would do well to invest in human resources, in particular, with respect to personal financial management for their employees as such knowledge investment would help raise the level of financial literacy among employees and achieve the organisations’ own objectives of high productivity. This is evidenced in previous studies that indicated that financial distress was one of the factors leading to reduced productivity at the workplace. As such this investment in reducing the employees’financial distress by way of enhancing their financial literacy would serve, in the long run, to improve the effectiveness of the country’s delivery system, especially in the public service

Solubility of Rock Phosphate and SP-36 in Peat Soils Amended with Mineral Soil

Rock phosphates application on peat soil has a good prospect because of its high solubility in acid condition. However, the study of the solubility of rock phosphate in peat soils is still limited. This study aimed to quantify the solubility of rock phosphate and the effects of some sources of rock phosphates and SP-36 in the peat soils, taken from South Sumatera amended with mineral soil. The study was conducted in the laboratory ofIndonesian Soil Research Institute, in Bogor. The study consisted of two activities: 1) study on the solubility of some rock phosphates (Marocco, Christmas, and Ciamis) in peat soils. For this study a 100 g of oven dried (105oC) peat soil for each treatment was used for this study. The treatments were eleven levels of P i.e. 0, 10, 20, 30, 40, 50, 60, 75, 100, 125, and 150 ppm P applied to dried peat soils. The treated peat soils werethen incubated for 2 weeks before analyses of soluble P was conducted. The molybdat blue method was used to analyze the samples at 2, 4, 8, and 12 weeks after the incubation. 2) The second study i.e. the application of some rock phosphates or SP-36 on the peat soils amended with mineral soils, four levels of P (25, 50, 74, and 100% of P sorption) plus partial and complete control treatments have been replicated twice. Two hundred grams of oven dried peat soils (105oC) amended with mineral soils at 7,5% maximum Fe sorption, incubated for four weeks, and then soluble P was analyzed using molybdat blue at 1, 2, 4, 6, 8, 10, and 12 weeks after incubation. The results showed that the order of rock phosphates solubility in peat soils was Marocco> Ciamis>Christmas. The solubility of P in peat soils amended with mineral soil and rock phosphates gave similarresults as rock phosphate was in the order of SP-36>Marocco>Ciamis> Christmas. Soluble P increased up to 8 weeks of incubation, and then decreased. The effect of soil mineral ameliorant and some rock phosphates application of soluble P at 12 weeks after the incubation around 15.7-34.2 ppm P. Rock phosphates that has high reactivity gave a high Psolubility on peat soils so it that can be used as P sources in the peat soil

The Effect of Pre-swirl on the Discharge Coefficient of Rotating Axial Orifices

The characteristic of the flow through a set of rotating orifices for particular conditions is quantified in terms of a discharge coefficient which is the ratio of the actual flow divided by the flow for the ideal case. In the present study the pre-swirl was created by having Inlet Guide Vanes (IGVs) at the inlet of the rotating orifices. Pre-swirl changes the angle of attack to the orifice, and thus affects the incidence angle and the discharge coefficient. Pre-swirl improves the discharge coefficient in inclined orifices since it allows the incidence angle to reach zero at a much lower rotational speed than when there is no pre-swirl

RANCANG BANGUN APLIKASI SERVER CRAWLING BERITA ONLINE SEBAGAI PENYEDIA BERITA UP TO DATE PADA HANDPHONE YANG MENDUKUNG WAP

News is an important role in human life. Because people always require information, person can access the news through various media, including: print media, electronic media, and Internet media. Most people want a piece of news can be accessed anywhere and anytime, then arose an idea how to make the news becomes portable.In this final project, will develop a server application responsible for crawling and manage news, News was addressed to the mobile user such as a cell phone. The aim of this project which provides convenience for mobile phone users to get the latest news from the site on the internet news provider. By utilizing the RSS feature of the site, the system will get the latest news from the site. Then look for the complete news by taking the content page in the link results RSS document. News that is still embedded in HTML documents will be separated by using RegEx or Regular Expression. Then the news is categorized by using text mining and correlation analysis. The calculation of the correlation, which becomes variable is the news and categories of documents that have been provided by the system. Then stored into the database which will be accessed by a WML server The expected result is the news access to the WML server with load data faster than with direct access to the original site. And categorization of news with an error rate of 20 to 30%. Keywords: news, rss, regex, text mining, correlation analysis, wml

Calibration and accuracy assessment of Leica ScanStation C10 terrestrial laser scanner

Requirement of high accuracy data in surveying applications has made calibration procedure a standard routine for all surveying instruments. This is due to the assumption that all observed data are impaired with errors. Thus, this routine is also applicable to terrestrial laser scanner (TLS) to make it available for surveying purposes. There are two calibration approaches: (1) component, and (2) system calibration. With the intention to specifically identify the errors and accuracy of the Leica ScanStation C10 scanner, this study investigates component calibration. Three components of calibration were performed to identify the constant, scale error, accuracy of angular measurement and the effect of angular resolution for distance measurement. The first calibration has been processed using closed least square solutions and has yielded the values of constant (1.2 mm) and scale error (1.000008879). Using variance ratio test (F-Test), angles observation (horizontal and vertical) for Leica C10 scanner and Leica TM5100A theodolite have shown significance difference. This is because the accuracy of both sensors are not similar and these differences are 0.01 and 0.0075º for horizontal and vertical measurements, respectively. Investigation on the resolution setting for Leica C10 scanner has highlighted the drawback of the tilt-and-turn target. Using the highest resolution, Leica Cyclone software only able to recognize the tilt-and-turn target up to 10 m distance compare to 200 m for the black and white target

Dominant Soil Characteristics That Effect on Available K at Smectitic Soils

Research aimed to study dominant soil characteristics that effect on available K of smectitic soils were conducted in Laboratory of Research and Soil Test, Indonesian Soil Research Institute. The soil characteristics that has been analised were soil texture (pipette), organic-C (Kjeldahl), and CEC (NH4OAc); mineralogical analyses of clay fraction (X-Ray Diffraction); K fractionation: soil soluble-K (0.0002 M CaCl2), exchangeable-K (NH4OAc), and total-K (HNO3+HClO4); and potassium sorption. The results showed that the content of soil soluble, exchangeable, non-exchangeable, and total-K was in order of Vertisols > Alfisols > Inceptisols. The percentage of soil K fraction of the soils, however, was in order of soluble-K < exchangeable-K < non-exchangeable-K. Although the soils had high content in total K but most of them were in nonexchangeable form, thus they were not available for plant growth. Soil K buffering capacity and maximum sorption were in order of Vertisols > Alfisols > Inceptisols. The bond energy constant of Vertisols, however, was similar with that of Alfisols but it was about twice with that of Inceptisols. Soil clay, organic-C, and CEC affected the availability of soil K significantly (P > 0.95). Smectite contributed significantly (P > 0.95) to soil negative charge so that it held an important role in controlling soil K buffering capacity and maximum sorption. To increase the efficiency of K fertilizer, plant species that can produce organic acid exudated from roots in high quantity can be developed in smectitic soils. The use of Na, NH4, and Fe cations need also to be considered for K management in the soils as well

Transmisi Gelombang Pada Breakwater Tenggelam

. Beach damages in the form of beach erosion, has been made problems in many countries. For solving the problem, the experts have been developed many kinds of structure, as revetment, grion and detached breakwater. Although a part of the structure succeed to restrain the beach erosion, but generally it is not friendly environmental, especially from the tourism view. This paper try to develop friendly environmental beach protection, by taking the coral characteristic, in the form of submerged breakwater. The analysis is focused in the capability of the submerged breakwater in reducing the incident waves, which be approahed by the relation of wave steepness Hi/gT2 versus transmission coefficient Ct = Ht /Hi , for certain b/L and d/h. The result is wave transmission figures, which show that the bigger value of b/L or d/h the smaller value of Ct

OCDMA receiver with built-in all-optical clock recovery

A receiver that incorporates an all-optical clock recovery approach for synchronisation suitable for use in incoherent OCDMA transmission is demonstrated. The developed solution was implemented and tested in a multiuser environment using the 2D-WHTS coding scheme on incoherent OCDMA transmission with 2.5 Gbit/s data rate. The receiver with built-in all-optical clock recovery was tested by taking the BER for the received data when synchronised with the all-optically recovered clock from the incoming OCDMA traffic and when an RF synthesiser was used to the generate the clock. Improvement of ∼7.5 dBm was observed with the all-optical clock recovery approach. The related eye diagrams and the wavelength spectrum were also recorded