Financial Behaviour and Financial Literacy on Traders in Border Areas of Indonesia

The purpose of this study is to understand the financial behavior and the level of financial literacy at traders in one of the border areas of Indonesia, namely Bengkayang, West Kalimantan. The majority of previous studies examined the financial behavior of investors in the stock market. It raises the motivation to know the financial behavior of the general merchants, even the pedagogues in the border areas that are associated with their level of understanding in managing finances. The border area becomes an interesting object to be studied because of the government’s commitment to build Indonesia from the periphery. By using approach and method of phenomenology research, it is concluded that (1) traders do not have written and systematic financial report that reflect daily income and expense, (2) traders have no commitment to save, (3) trader has negative habit in spending money, (4) the investment for future needs is not a priority, and (5) the limitations of knowledge, lifestyle, and the attitude of not wanting to develop is a factor supporting the formation of bad financial behavior patterns and low level of financial literacy. Various situations that describe the financial behavior and financial literacy are overcome with the role of government and private parties in creating synergies to increase public awareness. With continuous counseling and the availability of financial products that are internalized, good financial behavior and understanding of financial management can be realized.     Keywords: financial behavior, financial literacy, traders, border area

Type-Inference Based Short Cut Deforestation (nearly) without Inlining

Deforestation optimises a functional program by transforming it into another one that does not create certain intermediate data structures. In [ICFP'99] we presented a type-inference based deforestation algorithm which performs extensive inlining. However, across module boundaries only limited inlining is practically feasible. Furthermore, inlining is a non-trivial transformation which is therefore best implemented as a separate optimisation pass. To perform short cut deforestation (nearly) without inlining, Gill suggested to split definitions into workers and wrappers and inline only the small wrappers, which transfer the information needed for deforestation. We show that Gill's use of a function build limits deforestation and note that his reasons for using build do not apply to our approach. Hence we develop a more general worker/wrapper scheme without build. We give a type-inference based algorithm which splits definitions into workers and wrappers. Finally, we show that we can deforest more expressions with the worker/wrapper scheme than the algorithm with inlining

Chromosome Segregation Is Biased by Kinetochore Size

Chromosome missegregation during mitosis or meiosis is a hallmark of cancer and the main cause of prenatal death in humans. The gain or loss of specific chromosomes is thought to be random, with cell viability being essentially determined by selection. Several established pathways including centrosome amplification, sister-chromatid cohesion defects, or a compromised spindle assembly checkpoint can lead to chromosome missegregation. However, how specific intrinsic features of the kinetochore—the critical chromosomal interface with spindle microtubules—impact chromosome segregation remains poorly understood. Here we used the unique cytological attributes of female Indian muntjac, the mammal with the lowest known chromosome number (2n = 6), to characterize and track individual chromosomes with distinct kinetochore size throughout mitosis. We show that centromere and kinetochore functional layers scale proportionally with centromere size. Measurement of intra-kinetochore distances, serial-section electron microscopy, and RNAi against key kinetochore proteins confirmed a standard structural and functional organization of the Indian muntjac kinetochores and revealed that microtubule binding capacity scales with kinetochore size. Surprisingly, we found that chromosome segregation in this species is not random. Chromosomes with larger kinetochores bi-oriented more efficiently and showed a 2-fold bias to congress to the equator in a motor-independent manner. Despite robust correction mechanisms during unperturbed mitosis, chromosomes with larger kinetochores were also strongly biased to establish erroneous merotelic attachments and missegregate during anaphase. This bias was impervious to the experimental attenuation of polar ejection forces on chromosome arms by RNAi against the chromokinesin Kif4a. Thus, kinetochore size is an important determinant of chromosome segregation fidelity

Proanthocyanidins, from Ribes nigrum leaves, reduce endothelial adhesion molecules ICAM-1 and VCAM-1

BACKGROUND: The effects of proanthocyanidins (PACs), isolated from blackcurrant (Ribes nigrum L.) leaves, on neutrophil accumulation during inflammatory processes were investigated in vivo and in vitro. METHODS: In vivo studies were performed using carrageenin-induced pleurisy in rats pre-treated with PACs. Exudate volume and PMNs accumulation were measured. Leukocyte cell adhesion molecules (LFA-1, Mac-1 and VLA-4) mobilization in circulating granulocytes were analysed by flow cytometry and endothelial cell adhesion molecules (ICAM-1 and VCAM-1) were detected by immunohistochemistry on lung sections. In vitro studies were conducted on endothelial LT2 cells, stimulated with TNF-α, to evaluate ICAM-1, IL-8 and VEGF mRNA expression upon PACs treatment. Data sets were examined by one-way analysis of variance (ANOVA) followed by a Scheffe post-hoc test. RESULTS: Pretreatment of the animals with PACs (10, 30 and 60 mg/kg) inhibited dose-dependently carrageenin-induced pleurisy in rats by reducing pleural exudate formation and PMNs infliltration. Leukocyte cell adhesion molecules mobilization was not down-regulated on granulocytes by PACs. Immunohistochemistry on lung sections showed a decreased production of endothelial cell adhesion molecules. In vitro experiments demonstrated that PACs were able to significantly inhibit ICAM-1 but not IL-8 and VEGF(165 )mRNA expression. Moreover, VEGF(121 )mRNA expression was dose-dependently enhanced. CONCLUSION: This study provides evidence to support the anti-inflammatory activity of proanthocyanidins is related to an inhibition of leukocyte infiltration which can be explained at least in part by a down-regulation of endothelial adhesion molecules, ICAM-1 and VCAM-1 and that these compounds are capable of modulating TNF-α-induced VEGF transcription

Gene expression parallels synaptic excitability and plasticity changes in Alzheimer's disease

Altres ajuts: CIBERNED CB06/05/0042 i BrightFocus Foundation (A2014417S)Alzheimer's disease (AD) is a neurodegenerative disorder characterized by abnormal accumulation of β-amyloid and tau and synapse dysfunction in memory-related neural circuits. Pathological and functional changes in the medial temporal lobe, a region essential for explicit memory encoding, contribute to cognitive decline in AD. Surprisingly, functional imaging studies show increased activity of the hippocampus and associated cortical regions during memory tasks in presymptomatic and early AD stages, whereas brain activity declines as the disease progresses. These findings suggest an emerging scenario where early pathogenic events might increase neuronal excitability leading to enhanced brain activity before clinical manifestations of the disease, a stage that is followed by decreased brain activity as neurodegeneration progresses. The mechanisms linking pathology with synaptic excitability and plasticity changes leading to memory loss in AD remain largely unclear. Recent studies suggest that increased brain activity parallels enhanced expression of genes involved in synaptic transmission and plasticity in preclinical stages, whereas expression of synaptic and activity-dependent genes are reduced by the onset of pathological and cognitive symptoms. Here, we review recent evidences indicating a relationship between transcriptional deregulation of synaptic genes and neuronal activity and memory loss in AD and mouse models. These findings provide the basis for potential clinical applications of memory-related transcriptional programs and their regulatory mechanisms as novel biomarkers and therapeutic targets to restore brain function in AD and other cognitive disorders

Analysis of instabilities in the Basque Coast Geopark coastal cliffs for its environmentally friendly management (Basque-Cantabrian basin, northern Spain)

Coastal cliffs provide a high landscape value to many natural sites around the world. This means that an ever-increasing number of people are attracted to them. At this point, there is a growing need to manage these spaces from the safety of visitors, but with a view to preserving the environment. With this aim, this paper presents an approach to analyze and manage instabilities in these environments, particularly those subjected to significant anthropic activity, which has been implemented in the cliffs of the Basque Coast Geopark. The starting point is a detailed topographic information, obtained from UAV flights, and the identification on site of unstable elements, including their typology, active source areas, dynamics and reach. From this information, the simulation of rockfall processes, which basically correspond to toppling and infinite slope instabilities favored by differential erosion along the coastline, is approached in two and three dimensions. Results allow the design of precise actions by sectors, according to the energy, height and reach of the detached blocks, including barriers, middle slope actions, ditches and information strategies, depending on the different uses of the sectors. Therefore, this approach leads to a more detailed and environmentally friendly management of these environments. © 2021This study has been carried out by the UPV/EHU Research GroupIT-1029/16 (Government of the Basque Country) in the framework of the strategic project ?Analysis of instabilities in coastal environments of the Basque Country? PES-18/97 (University of the Basque Country) and the collaboration of the Basque Coast Geopark (Geoparkea). Finally, the authors are grateful to the reviewers and the handling editor, for the valuable comments that highly improved the paper

Cooling with fermionic reservoir

Recently, much emphasis has been given to genuinely quantum reservoirs generically called fermionic reservoirs. These reservoirs are characterized by having finite levels, as opposed to bosonic reservoirs, which have infinite levels that can be populated via an increase in temperature. Given this, some studies are being carried out to explore the advantages of using quantum reservoirs, in particular in the operation of heat machines. In this work, we make a comparative study of a thermal refrigerator operating in the presence of either a bosonic or a fermionic reservoir, and we show that fermionic reservoirs have advantages over bosonic ones. We propose an explanation for the origin of these advantages by analyzing both the asymptotic behavior of the states of the qubits and the exchange rates between these qubits and their respective reservoirs.Comment: 5 pages, 2 figure

Negative temperature is cool for cooling

In this work, we study an autonomous refrigerator composed of three qubits [Phys. Rev. Lett. 105, 130401 (2010)] operating with one of the reservoirs at negative temperatures, which has the purpose of cooling one of the qubits. We find the values of the lowest possible temperature that the qubit of interest reaches when fixing the relevant parameters, and we also study the limit for cooling the qubit arbitrarily close to absolute zero. We thus proceed to a comparative study showing that reservoirs at effective negative temperatures are more powerful than those at positive temperatures for cooling the qubit of interest