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

Enam Kontinum Dalam Konseling Transgender Sebagai Alternatif Solusi Untuk Konseli Lgbt

Globalization caused by modern and dynamic society, creates several kinds of concepts, terms, and new theories today. The development in psychological science, and guidance and counseling are indicators of science development. Society problems come from the result of the change from that society, for example modern lifestyle that gives positive and negative impact. Transgender, gay, and lesbian phenomenon is one of the alternative lifestyle that spreads in Indonesia which is experienced by teenagers. It creates new problem for teenagers, their family, and their surroundings. The biggest problem in this case is there\u27s no specific step for counselor and psychiatrist to help transgender, gay, or lesbian counselee. The new concept that offered in this article is Six Continuum of Transgender Counseling. Six continuum are aimed to give direction for counselor that may help gay, lesbian, and transgender counselee by doing counseling. Six continuum that have to be passed by counselor are (1) self, (2) relationship, (3) differential of feeling, (4) spiritual intervention, (5) acceptance of environment. Researchers are using literature study as their research method, by explored and examined some literatures: books, journal, dissertation, e-book, and some cases that happened in our society. This article especially developed and inspired by previous article. The article\u27s tittle is Transgender Counseling Through (Wisdom-Oriented Counseling Approach)

Art as a Vehicle for Social Change: The Harlem Renaissance

The black gatherings particularly in Harlem, constituting a community with its peculiarities, thanks to the effective contributions of intellectuals and artists through a new movement called the Harlem Renaissance urging the Blacks to struggle peacefully to gain more rights. For about thirty years, African Americans used arts in their battle to dispel common stereotypes. The origins of the movement were articulated in the philosophies of some prominent figures like W. E. Dubois and Allen Locke. The black community is a reality within the U.S.A, no one can deny its rights and this thanks to the struggles it has led, and to artistic contribution which has made the USA a nation with specificities, different from white man‘s country of origin. It sheds light also on the work of Toni Morrison’s Song of Solomon to stress the continuing heritage of the Harlem. A descriptive analytical analysis based on Cultural pluralism and Americanism concepts of Franz Boas‘ theories of race and culture (1930) is used in this research. The aim of the study is to show the role the elites can play to improve their communities’ status and the importance of art in shaping identities and giving insights for a better future. The Harlem Renaissance established the careers of many important African American writers, artists and thinkers who were influential for decades. It brought forth a body of creative cultural work that have become classics in African American and American culture. It created an ongoing interest in African American culture that continues up to this day.   Keywords: African Americans, Harlem Renaissance, New Negro movement, ar

Solubility of CO2 in Aqueous Solutions of 2-Amino-2-Methyl-1-Propanol at High Pressure

Carbon dioxide is one of the major green house gases. It is removed from different streams using amine absorption process. Sterically hindered amines are suggested as good CO2 absorbers. Solubility of carbon dioxide (CO2) was measured in aqueous solutions of 2-Amino-2-methyl-1-propanol (AMP) at temperatures 30 oC, 40 oC and 60 oC. The effect of pressure and temperature was studied over various concentrations of AMP. It has been found that pressure has positive effect on CO2 solubility where as solubility decreased with increasing temperature. Absorption performance of AMP increased with increasing pressure. Solubility of aqueous AMP was compared with mo-ethanolamine (MEA) and the absorption capacity of aqueous solutions of AMP was found to be better

Analisis Kearifan Lokal Tanaman Karet di Kecamatan Gunung Toar Kabupaten Kuantan Singingi

This research aimed to identify local wisdom is ever existed rubber plant (from past done but did not do it present), which is still carried out and the rubber farmers who were past and the present do, and which were not past done but present do of rubber farmers. This research uses survey and SnowBall Sampling method in finding the proper respondent to obtain the 15 respondents consisting of 1) Farmers Rubber, 2) Ninik Mamak, 3) Religious Leaders, 4) Apparatus Village, 5) members of farmer groups, 6) Patron(Induk Semang). Methods interviews were conducted to obtain information about local wisdom rubber plants. Descriptive and qualitative analysis in preparing this research. Criteria that respondents who sought rubber farmers who have long experience and the cultivation of local wisdom to know the rubber plant. The results showed that local wisdom of rubber plant by the farmers in cultivation in 1) Land Clearing that are amounted 21 local wisdom, 2) Nurseries amounted 5 local wisdom 3) Planting amounted 9 local wisdom, 4) The period before production amounted 2 local wisdom, 5) Maintenance amounted 18 local wisdom and 6) Rejuvenation amounted 4 local wisdom, 6) Rubber tapping amounted 15 local wisdom, 7) Processed Materials Rubber amounted 4 local wisdom, 8) Marketing amounted 4 local wisdom. The total local wisdom of rubber plant that 82 local wisdom. Application of local wisdom rubber plant is dominated by the activity pattern of human behavior, actions / activities that reflect the daily life of the local community and religion

Pendekatan Fungsi Polynomial dari Benda Putar dengan Metode Eliminasi Gauss Jordan

In calculus, integral operation is usually used to calculate a wide or volume of an object. But in reality there is a lot of object that the function is still unknown while in integral we need to it to be calculated. In this paper we proposed an approach to get the mathematic function of an object based on its shape. Actually with a whole data from that object we can use elimination Gauss Jordan to get a function, but that function is uncertainly able to generate the desired graph that similar to the object. A graph from non-linier function usually undergoing some change at some point, which is at extreme point and at turn point. With those point as a new limitation point we can get some new function that generate different or similar graph from each other. From those graph we compare them with the object shape and analyzing them to decide which one is the most approaching the object shape. In this paper we get the conclusion that in order to get the desired graph we need to test function from all three type of data then compare them to the real object shape