PINJAMAN ONLINE: PENGETAHUAN, TABUNGAN, ASURANSI, DAN INVESTASI

Dampak literasi keuangan yang rendah terhadap risiko penggunaan layanan pinjaman online sangatlah signifikan. Perkembangan teknologi layanan teknologi keuangan yang begitu pesat, tidak sejalan dengan tingkat pengetahuan, tabungan, asuransi, dan investasi para penggunanya. Penelitian ini bertujuan untuk mengungkap dimensi literasi keuangan para pengguna layanan pinjaman online pada kategori usia 19 sampai dengan 34 tahun. Metode yang digunakan adalah deskriptif kuantitatif dengan menggunakan data primer pada pengguna layanan pinjaman online di Kota Bogor. Hasil penelitian menungjukkan bahwa para pengguna layanan pinjaman online memiliki tingkat literasi keuangan yang tergolong tinggi. Sedikit pengguna layanan pinjaman online yang berpenghasilan lebih dari 5 juta rupiah per bulan. Perluasan objek penelitian dan jumlah responden dapat dilakukan pada penelitian serupa dimasa yang akan datang

ANALISIS PENGARUH ORIENTASI KEWIRAUSAHAAN DAN PASAR SERTA INOVASI TERHADAP KINERJA EKONOMI PRODUKTIF KELOMPOK USAHA BBERSAMA (UEP KUBe) DI KOTA BUKITTINGGI SUMATRA BARAT

Usaha Mikro Kecil dan Menengah memberikan kontribusi yang besar terhadap perekonomian Indonesia, baik dari sisi jumlah unit usaha, penyerapan tenaga kerja dan kontribusi terhadap Produk Domestik Bruto (PDB), salah satu bentuknya adalah Usaha Ekonomi Produktif Kelompok Usaha Bersama (UEP KUBe). Adapun tujuan penelitian ini untuk menganalisis dan memahami pengaruh pemasaran kewirausahaan (Orientasi Kewirausahaan dan Orientasi Pasar Serta Inovasi) terhadap Kinerja Keuangan dengan menggunakan teknik analisis data SEM (Stuctural Equition Model). Hasil penelitian menunjukkan bahwa pemasaran kewirausahaan yang terdiri dari Orientasi Kewirausahaan, Orientasi Pasar dan Inovasi berpengaruh signifikan kepada Kinerja Keuangan Usaha Ekonomi Produktif Kelompok Usaha Bersama (UEP KUBe). Untuk Orientasi Kewirausahaan dan Orientasi Pasar pengaruhnya positif dalam meningkatkan Kinerja Keuangan. Adapun Inovasi mempunyai pengaruh negatif terhadap Kinerja Keuangan, hal ini disebabkan Usaha Ekonomi Produktif Kelompok Usaha Bersama (UEP KUBe) ini merupakan Usaha Mikro Kecil, sedangkan inovasi membutuhkan biaya, yang tentunya akan berpengaruh negatif terhadap Kinerja Keuangan (terutama untuk jangka pendek)

“PENGARUH ORIENTASI PASAR TERHADAP PROSES BISNIS INTERNAL BALANCED SCORECARD PADA “USAHA EKONOMI PRODUKTIF KELOMPOK USAHA BERSAMA (UEP – KUBe) DI BUKITTINGGI SUMATERA BARAT,” INDONESIA

“Penelitian ini bertujuan untuk memahami dan menganalisis pengaruh orientasi pasar yang terdiri dari orientasi pelanggan dan orientasi pesaing serta koordinasi antar fungsi terhadap proses bisnis internal – balance scorecard.” “Pemilihan responden dalam penelitian ini dilakukan cara non-probability sampling terhadap 110 pengelola “Usaha Ekonomi Produktif – Kelompok Usaha Bersama (UEP-KUBe) di Kota Bukittinggi” Sumatera Barat.” “Adapun metode yang digunakan dalam penelitian ini adalah descriptive verification.” Hasil penelitian menunjukkan bahwa pengelola UEP-KUBe sangat memahami bahwa orientasi pasar berpengaruh terhadap proses bisnis internal.  “Orientasi pasar yang terdiri dari orientasi pelanggan dan orientasi pesaing serta koordinasi antar fungsi, secara bersama-sama (simultan) berpengaruh terhadap proses bisnis internal, sedangkan orientasi pelanggan dan koordinasi antar fungsi mempengaruhi proses bisnis internal secara parsial.” Adapun orientasi pesaing tidak signifikan secara parsial mempengaruhi proses bisnis internal.Kata Kunci :  Orientasi Pasar,  Proses Bisnis Internal, “Usaha Ekonomi Produktif – Kelompok Usaha Bersama

The influence of perfusion solution on renal graft viability assessment

BACKGROUND: Kidneys from donors after cardiac or circulatory death are exposed to extended periods of both warm ischemia and intra-arterial cooling before organ recovery. Marshall’s hypertonic citrate (HOC) and Bretschneider’s histidine-tryptophan-ketoglutarate (HTK) preservation solutions are cheap, low viscosity preservation solutions used clinically for organ flushing. The aim of the present study was to evaluate the effects of these two solutions both on parameters used in clinical practice to assess organ viability prior to transplantation and histological evidence of ischemic injury after reperfusion. METHODS: Rodent kidneys were exposed to post-mortem warm ischemia, extended intra-arterial cooling (IAC) (up to 2 h) with preservation solution and reperfusion with either Krebs-Hensleit or whole blood in a transplant model. Control kidneys were either reperfused directly after retrieval or stored in 0.9% saline. Biochemical, immunological and histological parameters were assessed using glutathione-S-transferase (GST) enzymatic assays, polymerase chain reaction and mitochondrial electron microscopy respectively. Vascular function was assessed by supplementing the Krebs-Hensleit perfusion solution with phenylephrine to stimulate smooth muscle contraction followed by acetylcholine to trigger endothelial dependent relaxation. RESULTS: When compared with kidneys reperfused directly post mortem, 2 h of IAC significantly reduced smooth muscle contractile function, endothelial function and upregulated vascular cellular adhesion molecule type 1 (VCAM-1) independent of the preservation solution. However, GST release, vascular resistance, weight gain and histological mitochondrial injury were dependent on the preservation solution used. CONCLUSIONS: We conclude that initial machine perfusion viability tests, including ischemic vascular resistance and GST, are dependent on the perfusion solution used during in situ cooling. HTK-perfused kidneys will be heavier, have higher GST readings and yet reduced mitochondrial ischemic injury when compared with HOC-perfused kidneys. Clinicians should be aware of this when deciding which kidneys to transplant or discard

Generalized additive and fuzzy models in environmental flow assessment: A comparison employing the West Balkan trout (Salmo farioides; Karaman, 1938)

Human activities have altered flow regimes resulting in increased pressures and threats on river biota. Physical habitat simulation has been established as a standard approach among the methods for Environmental Flow Assessment (EFA). Traditionally, in EFA, univariate habitat suitability curves have been used to evaluate the habitat suitability at the microhabitat scale whereas Generalized Additive Models (GAMs) and fuzzy logic are considered the most common multivariate approaches to do so. The assessment of the habitat suitability for three size classes of the West Balkan trout (Salmo farioides; Karaman, 1938) inferred with these multivariate approaches was compared at three different levels. First the modelled patterns of habitat selection were compared by developing partial dependence plots. Then, the habitat assessment was spatially explicitly compared by calculating the fuzzy kappa statistic and finally, the habitat quantity and quality was compared broadly and at relevant flows under a hypothetical flow regulation, based on the Weighted Usable Area (WUA) vs. flow curves. The GAMs were slightly more accurate and the WUA-flow curves demonstrated that they were more optimistic in the habitat assessment with larger areas assessed with low to intermediate suitability (0.2 0.6). Nevertheless, both approaches coincided in the habitat assessment (the optimal areas were spatially coincident) and in the modelled patterns of habitat selection; large trout selected microhabitats with low flow velocity, large depth, coarse substrate and abundant cover. Medium sized trout selected microhabitats with low flow velocity, middle-to-large depth, any kind of substrate but bedrock and some elements of cover. Finally small trout selected microhabitats with low flow velocity, small depth, and light cover only avoiding bedrock substrate. Furthermore, both approaches also rendered similar WUA-flow curves and coincided in the predicted increases and decreases of the WUA under the hypothetical flow regulation. Although on an equal footing, GAMs performed slightly better, they do not automatically account for variables interactions. Conversely, fuzzy models do so and can be easily modified by experts to include new insights or to cover a wider range of environmental conditions. Therefore, as a consequence of the agreement between both approaches, we would advocate for combinations of GAMs and fuzzy models in fish-based EFA.This study was supported by the ECOFLOW project funded by the Hellenic General Secretariat of Research and Technology in the framework of the NSRF 2007-2013. We are grateful for field assistance of Dimitris Kommatas, Orfeas Triantafillou and Martin Palt and to Alcibiades N. Economou for assistance in discussions on trout biology and ecology.Muñoz Mas, R.; Papadaki, C.; Martinez-Capel, F.; Zogaris, S.; Ntoanidis, L.; Dimitriou, E. (2016). Generalized additive and fuzzy models in environmental flow assessment: A comparison employing the West Balkan trout (Salmo farioides; Karaman, 1938). Ecological Engineering. 91:365-377. doi:10.1016/j.ecoleng.2016.03.009S3653779

Migrations and habitat use of the smooth hammerhead shark (Sphyrna zygaena) in the Atlantic Ocean

The smooth hammerhead shark, Sphyrna zygaena, is a cosmopolitan semipelagic shark captured as bycatch in pelagic oceanic fisheries, especially pelagic longlines targeting swordfish and/or tunas. From 2012 to 2016, eight smooth hammerheads were tagged with Pop-up Satellite Archival Tags in the inter-tropical region of the Northeast Atlantic Ocean, with successful transmissions received from seven tags (total of 319 tracking days). Results confirmed the smooth hammerhead is a highly mobile species, as the longest migration ever documented for this species (> 6600 km) was recorded. An absence of a diel vertical movement behavior was noted, with the sharks spending most of their time at surface waters (0-50 m) above 23 degrees C. The operating depth of the pelagic long-line gear was measured with Minilog Temperature and Depth Recorders, and the overlap with the species vertical distribution was calculated. The overlap is taking place mainly during the night and is higher for juveniles (similar to 40% of overlap time). The novel information presented can now be used to contribute to the provision of sustainable management tools and serve as input for Ecological Risk Assessments for smooth hammerheads caught in Atlantic pelagic longline fisheries.Oceanario de Lisboa through Project "SHARK-TAG: Migrations and habitat use of the smooth hammerhead shark in the Atlantic Ocean"; Investigador-FCT from the Portuguese Foundation for Science and Technology (FCT, Fundacao para a Ciencia e Tecnologia) [Ref: IF/00253/2014]; EU European Social Fund; Programa Operacional Potencial Human

Education can improve the negative perception of a threatened long-lived scavenging bird, the Andean condor

Human-wildlife conflicts currently represent one of the main conservation problems for wildlife species around the world. Vultures have serious conservation concerns, many of which are related to people's adverse perception about them due to the belief that they prey on livestock. Our aim was to assess local perception and the factors influencing people's perception of the largest scavenging bird in South America, the Andean condor. For this, we interviewed 112 people from Valle Fértil, San Juan province, a rural area of central west Argentina. Overall, people in the area mostly have an elementary education, and their most important activity is livestock rearing. The results showed that, in general, most people perceive the Andean condor as an injurious species and, in fact, some people recognize that they still kill condors. We identified two major factors that affect this perception, the education level of villagers and their relationship with livestock ranching. Our study suggests that conservation of condors and other similar scavengers depends on education programs designed to change the negative perception people have about them. Such programs should be particularly focused on ranchers since they are the ones who have the worst perception of these scavengers. We suggest that highlighting the central ecological role of scavengers and recovering their cultural value would be fundamental to reverse their persecution and their negative perception by people.Fil: Cailly Arnulphi, Verónica Beatríz. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - San Juan. Centro de Investigaciones de la Geosfera y Biosfera. Universidad Nacional de San Juan. Facultad de Ciencias Exactas Físicas y Naturales. Centro de Investigaciones de la Geosfera y Biosfera; ArgentinaFil: Lambertucci, Sergio Agustin. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Patagonia Norte. Instituto de Investigaciones en Biodiversidad y Medioambiente. Universidad Nacional del Comahue. Centro Regional Universidad Bariloche. Instituto de Investigaciones en Biodiversidad y Medioambiente; ArgentinaFil: Borghi, Carlos Eduardo. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - San Juan. Centro de Investigaciones de la Geosfera y Biosfera. Universidad Nacional de San Juan. Facultad de Ciencias Exactas Físicas y Naturales. Centro de Investigaciones de la Geosfera y Biosfera; Argentin

Family network of children with special health needs: implications for Nursing

OBJECTIVE: to describe appropriate sources and resources for caregivers of children with special health needs in the community. METHOD: A qualitative study that used the creativity and sensitivity dynamics speaking map, part of the sensitive creative method, involving 11 caregivers of children with special health needs who are assisted in a university hospital located in the South of Brazil. RESULTS: the maps graphically represented through the genogram and ecomap showed that the caregiving women consistently and regularly use the resources of the internal and external family network; they eventually and irregularly access the community social network for physical and psychological support. CONCLUSION: the reclusive nature of care for these children inside the family circle contributes to their social invisibility. Based on this new information, it is recommended that Nursing participate in the care that is focused on these children's families, with particular attention to their socio-cultural conditions