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

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

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

Single-, Dual- and Triple-band Frequency Reconfigurable Antenna

The paper presents a frequency reconfigurable slot dipole antenna. The antenna is capable of being switched between single-band, dual-band or triple-band operation. The antenna incorporates three pairs of pin-diodes which are located within the dipole arms. The antenna was designed to operate at 2.4 GHz, 3.5 GHz and 5.2 GHz using the aid of CST Microwave Studio. The average measured gains are 1.54, 2.92 and 1.89 dBi for low, mid and high band respectively. A prototype was then constructed in order to verify the performance of the device. A good level of agreement was observed between simulation and measurement

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

Status Penelitian Cendana Di Propinsi Nusa Tenggara Timur

Cendana (Santalum album L.) adalah hasil hutan yang tergolong sangat penting dari Propinsi Nusa Tenggara Timur (NTT), karena merupakan spesies endemik yang terbaik di dunia dan mempunyai nilai ekonomi tinggi. Dewasa ini populasinya sudah semakin menurun. Oleh sebab itu dalam pemanfaatan perlu segera diikuti upaya pelestarian. Untuk mewujudkan upaya tersebut sebagaimana yang diharapkan, dukungan teknologi sangat diperlukan. Balai Penelitian Kehutanan (BPK) Kupang yang berkedudukan di daerah inti produksi cendana telah berupaya secara sungguh-sungguh untuk menyediakan teknologi yang dibutuhkan lewat kegiatan penelitian. Paket-paket teknologi hasil penelitian cendana yang telah dihasilkan dan sudah dapat diujicobakan untuk pengembangannya di lapangan antara lain teknik pembuatan Hutan Tanaman dengan menggunakan sistem tumpangsari, pengelolaan tegakan alam lewat permudaan tunas akar yaitu dengan pemotongan akar lateral pohon induk cendana dan teknik penggalian tunggak akar yang dilaksanakan saat penebangan, penentuan target tebangan tahunan yang berdasarkan data jumlah pohon masak tebang, kandungan teras dan daur/umur pohon cendana. Dalam rangkamendapatkan benih cendana dengan kualitas dan kuantitas yang memadai dewasa ini upaya pemuliaan pohon cendana telah mulai dilakukan. Kegiatan yang sedang berjalan antara lain pemilihan calon pohon plus, uji keturunan, uji provenan, teknik kultur jaringan,penunjukan tegakan benih dan pembangunan kebun benih. Adapun hasil sementara kegiatan ini telah dilakukan penunjukan pohon plus sebanyak 175 pohon beserta uji keturunanya di Pulau Timor, pembangunan kebun benih seluas 4 ha, kultur jaringan cendana seperti pengembangan eksplan, pengakaran dan pembentukan kalus, dari kultur jaringan, uji provenansi dan penunjukan tegakan benih. Sebagian besar penelitian ini berlangsung dalam jangka panjang. Kebijakan pengelolaan cendana di NTT yang diatur oleh PERDA No.16 tahun 1986 masih rendah memberikan kontribusi bagi upaya pelestarian cendana secara berkelanjutan. Oleh karena itu aturan ini perlu disempurnakan agar dapat menguntungkan masyarakat dan pemerintah agar mampu mendorong partisipasi masyarakat dalam upaya pelestarian cendana. Paket-paket teknologi yang dihasilkan BPK Kupang yang sudah siap untuk dikembangkan perlu diangkat menjadi kebijakan dalam rangka membantu pelestarian cendana

Phytochemical Screening and Anticonvulsant Activity of the Residual Aqueous Fraction of Tapinanthus globiferus Growing on Ficus glums

Tapinanthus globiferus (Loranthaceae) is a plant used in traditional medicine for the treatment of rheumatism, syphilis, fever and epilepsy. In this study, the acute toxicity study revealed an oral LD50 of ≥ 5000 mg/kg. The anticonvulsant activity of the residual aqueous fraction was investigated at doses of 250, 500, and 1000 mg/ kg using the Pentylenetetrazole (PTZ) induced seizure and maximal electroshock seizure models in mice and chicks. In the PTZ induced seizure the fraction offered 62.5% protection against seizure and prolonged the onset of seizure from 54.23 ± 6.12s to 290.86 ± 14.43s. The plant decreased the minimum recovery time (MRT) after hind limb tonic extension (HTLE) from 213.4 ± 19.12s to 136 ± 16.1s in the 500 mg/kg group. The CNS depressant effect was also studied using the Diazepam induce sleep model. The fraction used dose dependently decreased the onset of diazepam induced sleep 160.03 ± 19.24.s to 28.00 ± 7.18.s, with a marked increase in duration of sleep 39.00 ± 12.53 min to 198.17 ± 27.28 min in the 1000 mg/kg treated group. The data obtained from this study suggest that the residual aqueous portion of the dried whole plant of Tapinanthus globiferus may possess bioactive compounds with anticonvulsant effect