Kesejahteraan Nasabah Perbankan Syariah Di Daerah Istimewa YOGYAKARTA (Studi Preferensi Nilai Islam, Kalkulasi Sarana, Dan Tujuan)

Undang-Undang No. 10 Tahun 1998 tentang Perbankan menyatakan bank adalah badan USAha yang menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya kepada masyarakat dalam bentuk kredit dan atau bentuk-bentuk lainnya dalam rangka meningkatkan taraf hidup rakyat banyak. Dalam perjalanannya, lembaga perbankan memiliki dua tipologi, yakni bank konvensional dan bank syariah. Bank syariah merupakan lembaga keuangan yang menawarkan pendekatan berbeda karena sifatnya nir-riba. Namun sayangnya, pertumbuhan bank syariah sampai dengan sekarang tidak lebih mencapai angka 5%, di tengah kondisi masyarakat Indonesia yang mayoritas beragama Islam. Penelitian ini berupa untuk melihat kondisi lembaga keuangan syariah yang tidak dapat berkembang secara optimal dalam perspektif kesejahteraan nasabah. Kesejahteraan didefinisikan sebagai sebuah kondisi yang tidak saja terpenuhi aspek ekonomi tetapi juga melihat perspektif sosial dan budayanya. Oleh karena itu, sebagai tolok ukur kesejahteraan, dalam penelitian ini melihat tentang kalkulasi sarana dan tujuan serta pertimbangan religi yang ditunjukkan dalam preferensi nilai

UK medical students’ perspectives on practical prescribing teaching and learning provisions: a cross-sectional survey

Purpose To determine medical students’ perspectives on the provision for the teaching and learning of processes that lead to and include the writing of a clear, safe and legal prescription (practical prescribing) in UK medical schools. Methods We designed a cross-sectional survey of UK medical students in years three, four and five. Students were asked about their experiences and views of practical prescribing teaching and learning they had encountered on their medical course. Results A total of 1023 medical students responded (7% response rate), from 25 UK medical schools: 22%, 37% and 41% in the third, fourth and final years, respectively. Teaching of practical prescribing was widespread, with 94.3% of final year (n = 396, 95% confidence interval [CI] = 92–97%), 86.8% of fourth year (n = 328, CI = 83–90%) and 73.8% of third year (n = 166, CI = 67–80%) students reporting they had received it. Availability of this teaching appeared to vary by medical school. Self-directed learning was the most frequently reported mode of delivery (90.9%, n = 809). Validated pre-prescribing and simulation were perceived by students in each year group as the most effective methods. Clinical pharmacologists, clinical pharmacists and junior doctors were perceived by the students as being the most effective professional groups at teaching practical prescribing. Conclusions UK medical students reported a variety of methods utilised in the teaching and learning of practical prescribing. However, methods they perceived to be very effective (simulation and pre-prescribing) do not appear to be widely available or are only reserved for the final year of study. Combining such methods with involvement of professional groups perceived to be most effective should be explored

Sistem Tracking Panel Surya untuk Pengoptimalan Daya Menggunakan Metode Kendali Logika Fuzzy

Salah satu jenis energi alternatif yang berkembang pesat dan banyak digunakan adalah energi matahari yang digunakan sebagai pembangkit listrik, dalam bentuk panel surya. Dalam rangka mengoptimalkan penggunaan panel surya tersebut, diperlukan sebuah sistem pengendali yang dapat mengontrol posisi panel surya agar selalu mengikuti arah dan posisi dari matahari secara otomatis. Sistem yang digunakan untuk pengaturan tersebut dinamakan sistem tracking matahari dengan dua derajat kebebasan. Sistem ini bekerja menggunakan Perubahan daya yang terbaca oleh panel surya. Kelebihan dari sistem ini dapat mengikuti posisi matahari. Dalam sistem ini digunakan perbandingan daya yang terbaca oleh sistem dan mencari yang paling optimal diantara daya tersebut. Berdasarkan perbedaan daya yang diterima, Kendali Logika Fuzzy akan menggerakkan motor servo untuk melakukan aksi kendali terhadap posisi panel surya supaya selalu tegak lurus terhadap posisi matahari. Perbandingan respon unjuk kerja antara sistem yang tanpa menggunakan kontroler fuzzy yaitu tegangan =15,40 V, arus = 0,46 A, dan daya = 7.17 W , sedangkan untuk sistem yang menggunakan kontroler fuzzy 2 DOF (Degree Of Freedom) menghasilkan tegangan = 15,54 V, arus = 0,51 A, dan daya = 7.94 W. Sistem yang dibuat sudah mengikuti matahari untuk mencapai daya yang maksimal

Changes in chlorophyll, phenols, sugars and mineral contents of cucumber plants infected with cucumber mosaic virus

Biochemical studies were made to monitor the relationship of chemical components and development of resistance in cucumber plants against Cucumber mosaic virus (CMV). Total soluble phenols, soluble sugars, chlorophyll and mineral nutrients; Potassium, Magnesium, Sodium and Lead were compared among resistant and susceptible varieties. Different metabolites showed different trends among diseased and healthy plants from resistant and susceptible groups of varieties. The phenolic and Magnesium contents increased in the inoculated plants of both susceptible and resistant genotypes. In resistant variety, rise in magnesium concentration in inoculated plants was less as compared to that of inoculated plants of the susceptible varieties. However, the chlorophyll, sugars, potassium were reduced in the inoculated plants of both reaction resistant and susceptible reaction groups. Plants from susceptible group presented a lower of level of nutrients as compared to un-inoculated ones whereas; the changes in sodium contents were not showing any relation to resistance mechanism

Heaviness, health and happiness: a cross-sectional study of 163 066 UK Biobank participants

<b>Background</b><p></p> Obesity is known to increase the risk of many diseases and reduce overall quality of life. This study examines the relationship with self-reported health (SRH) and happiness.<p></p> <b>Methods</b> <p></p>We conducted a cross-sectional study of the 163 066 UK Biobank participants who completed the happiness rating. The association between adiposity and SRH and happiness was examined using logistic regression. SRH was defined as good (excellent, good), or poor (fair, poor). Self-reported happiness was defined as happy (extremely, very, moderately) or unhappy (moderately, very, extremely). <p></p> <b>Results</b> <p></p>Poor health was reported by 44 457 (27.3%) participants. The adjusted ORs for poor health were 3.86, 2.92, 2.60 and 6.41 for the highest, compared with lowest, deciles of Body Mass Index, waist circumference, waist to hip ratio and body fat percent, respectively. The associations were stronger in men (p<0.001). Overall, 7511 (4.6%) participants felt unhappy, and only class III obese participants were more likely to feel unhappy (adjusted OR 1.33, 95% CI 1.15 to 1.53, p<0.001) but the associations differed by sex (p<0.001). Among women, there was a significant association between unhappiness and all levels of obesity. By contrast, only class III obese men had significantly increased risk and overweight and class I obese men were less likely to be unhappy. <p></p> <b>Conclusions</b><p></p>Obesity impacts adversely on happiness as well as health, but the association with unhappiness disappeared after adjustment for self-reported health, indicating this may be mediated by health. Compared with obese men, obese women are less likely to report poor health, but more likely to feel unhappy. <p></p&gt

Pioneering the human development revolution: Analysing the trajectory of Mahbub ul Haq

Mahbub ul Haq's work to coordinate, establish and propagate the human development approach offers an example of effective leadership in promoting more ethical socio-economic development. This article reviews Pioneering the Human Development Revolution-An Intellectual Biography of Mahbub ul Haq (edited by Haq and Ponzio), and extends themes from the United Nations Intellectual History Project to examine Haq's contributions in terms of four aspects of leadership: articulating and applying values that combine depth with broad appeal; providing a fruitful and vivid way of seeing, a 'vision', that reflects the values; embodying the values and vision in workable practical proposals; and supporting and communicating the previous aspects through wide and relevant networks. It suggests that the human development approach may need to update its values and vision, including through better integration of human security thinking, if it is to retain the leadership role it acquired thanks to Haq

Investigation of structural, electronic and thermoelectric properties of XCUOTE (X: BI, CE, LE) with GGA-WC exchange correlation functional

Linearized augmented plane wave plus local orbitals (LAPW + lo) method designed within density functional theory (DFT) has been used in this study to calculate the structural, electronic and thermoelectric properties of XCuOTe (X=Bi, Ce, La). Generalized gradient approximation, Wu-Cohen (GGA-WC) parameterized exchange correlation functional, was used. The structural and electronic calculations have a good agreement with previous study. For thermoelectric calculation, semi empirical Boltzmann approach implemented in BoltzTraP package was used to calculate Seebeck coefficient, electronic conductivity as well as thermal conductivity. By referring to previous studies, the results have good agreement with them. In addition, the Seebeck coefficient of these materials was calculated as a function of the chemical potential at temperatures 300K, 600K, and 900K. Our calculations highlight suitability of these materials for applications in thermoelectric devices