Market Power and Efficiency of Islamic Banking and Conventional Banking in Indonesia

ASEAN Economic Community (AEC) of banking industry requires both Islamic and conventional banking to improve their efficiency because the competition in banking market industry will be more intense. Therefore, this study aims to identify the type of hyphotesis of industrial organization which exists in Islamic and conventional banks in order to investigate their readiness for AEC. The research sampling consists of 10 Islamic banks and 10 conventional banks from January 2009 to December 2016. To measure x-efficiency and scale efficiency, this research uses Data Envelopment Analysis (DEA). Meanwhile, the concentration is measured by Lerner index. The hypothesis is tested by using panel regression. The result shows SCP (Structure-Conduct-Performance) hypothesis is closely applied to Islamic and conventional banks because market concentration significantly influences profitability. RMP (Relative Market Power) hypothesis is also closely applied to Islamic and conventional banking, this indicates Indonesian banking has market power in determining prices and this condition makes the profit higher. RES (Relative Efficiency Structure) and SES (Scale Efficiency Structure) hypothesis do not exist in both conventional and Islamic banks because x-efficiency and scale efficiency do not affect profitability, concentration, and market share simultaneously. Market power and efficiency researches are commonly conducted in conventional banking, however there are only a few research in Islamic banking area. The novelty of this study is the comparison between conventional and Islamic banking in the term of market structure and efficiency

The first-year college transition: Exploring the low-income Mexican-American female experience through a funds of knowledge framework

Students from low-income backgrounds are attending institutions of higher education in larger numbers than ever before, but their actual degree attainment rates remain low. While these students may not have parents who attended college and lack pre-college rigor, Mexican-American female students from low-income backgrounds are finding ways to persist. This study deployed a phenomenological qualitative approach to explore students’ perceptions of their first year of college. Information was collected about students’ pre-college preparation, the role of their family and community, and their experiences on the college campus. Findings illustrate that funds of knowledge were found in many of the Mexican-American female students’ experiences. Students gained financial knowledge, relationship building skills, sense of belonging, college and academic knowledge through the experiences of their parents, their work environment and their relationships with teachers and peers. Implications include the expansion of the funds of knowledge framework with the use of the student perspective and recommendations that inform higher education practices surrounding students from low-income backgrounds

Survey on Analysis of Meteorological Condition Based on Data Mining Techniques

An application of data mining is a rich focus to Classification algorithm, Association algorithm, Clustering algorithm which can be applied to the field of various resources it concerns with developing methods that discover the knowledge from data origination. In this paper, focuses on meteorological data analysis in form of data mining is concerned to predict the knowledge of weather condition. Rainfall analysis, temperature analysis, based on climatic condition, cyclone form data analysis is vital application role for meteorological analysis in data mining techniques. Prediction, association and forecasting are the several method in data mining used for meteorological analysis. Many countries have already experienced deadly droughts and floods also climate-induced natural disasters have displaced hundreds of thousands of people across the world. Mainly due to over ambitious strategies and actions of human beings on the eco-system, data mining play a significant role in determining the climate trends in crucial manner. In this research work is discussing the application of different data mining techniques applied in several ways to predict or to associate or to classify or to cluster the pattern of meteorological data. It can be provided for future direction for research

QUANTIFICATION OF PHYTOCHEMICAL CONTENTS AND IN VITRO ANTIOXIDANT ACTIVITY OF EXACUM BICOLOR (ROXB.), AN ENDEMIC MEDICINAL PLANT

Objective: To investigate different phytochemical contents and screening of antioxidant activity of sequentially extracted Exacum bicolor leaf with different solvents.Methods: Leaf samples of E. bicolor were dried and subjected to sequential (hexane>chloroform>ethyl acetate>methanol>water) extraction using soxhlet apparatus. Total phenol contents (TPC) were estimated using Folin-ciocalteau method, flavonoids by aluminium chloride method, tannins by Folin-Denis reagent and alkaloids using bromocresol blue. In vitro antioxidant activities were estimated by using 1,1-Diphenyl-2-picrylhydrazyl (DPPH), 2,2'-azinobis-3-ethylbenzothiazoline-6-sulfonic acid ABTS·+and Nitric oxide (NO) scavenging assay.Results: The total phenol, tannin and alkaloid contents in methanol extract were found to be 23.4±0.09 mg GAE/g, 23±0.57 mg TAE/g and 47.33±1.20 mg AE/g respectively. Hexane extract exhibited high flavonoid content (27.6±0.88 mg QE/g). Methanolic extracts exhibited dose dependent antioxidant activity against DPPH, ABTS·+and NO Scavenging methods; low IC50 value (14.84 µg/ml) was observed in DPPH scavenging activity. Findings showed positive and significant (P ≤ 0.05) correlation between TPC/DPPH (R2= 0.98).Conclusions: The methanol extract showed higher antioxidative activity compared to other extracts. Positive correlation was obtained between TPC and DPPH activity signifying that the phenolic content may be responsible for the antioxidant activity of the plant. Further bioassay-guided purification of the bioactive compound is necessary. To the best of our knowledge, antioxidant activity and its correlation with TPC, is reported for the first time in E. bicolor.Â

Reviewing effectivity in security approaches towards strengthening internet architecture

The usage of existing Internet architecture is shrouded by various security loopholes and hence is highly ineffective towards resisting potential threats over internet. Hence, it is claimed that future internet architecture has been evolved as a solution to address this security gaps of existing internet architecture. Therefore, this paper initiates its discussion by reviewing the existing practices of web security in conventional internet architecture and has also discussed about some recent solutions towards mitigating potentially reported threats e.g. cross-site scripting, SQL inject, and distributed denial-of-service. The paper has also discussed some of the recent research contribution towards security solution considering future internet architecture. The proposed manuscripts contributes to showcase the true effectiveness of existing approaches with respect to advantages and limitation of existing approaches along with explicit highlights of existing research problems that requires immediate attention

Model Pendidikan Interprofesional dalam Upaya Peningkatan Kemampuan Kolaboratif Mahasiswa Kesehatan

The public demand for the quality of health services continues to increase, patients get interventions from various health professions to address their health problems with their respective analysis and intervention, so frequent repeated reviews and multiple interventions will require professional collaboration. The purpose of this study is to analyze the effectiveness of the model of interprofesional education to increase the collaborative skills of health students. Types of research mix methods between quantitative and qualitative. Data collection with triangulation through instrument used questionnaire, FGD guidance and semi structured interview. A sample of 20 people consisting of 8 students of nursing, 5 students of public health and 7 midwifery students by following the process of learning together for eight weeks. Result of improvement of student perception toward interprofesional education with average difference 1.7 (P: 0.02), Collaborative ability happened significant improvement between before and after interprofesional education with difference average 3,4 (P 0.025). Student attitudes towards team work with an average difference of 7.3 (P: 0.003). Interprofesional education with problem based learning methods is very effective for improving collaborative skills, and providing cooperative experience. The success of interprofesional education is strongly supported by clarity of objectives and learning topics as well as the breadth of insights and experiences of tutor or facilitator clinics

Analysis of Competitiveness of Shallot (Allium cepa L.) Commodities in Nagari Alahan Panjang and Nagari Air Dingin Kecamatan Lembah Gumanti Kabupaten Solok, West Sumatera

One of the horticultural commodities that has the potential to be well developed in Indonesia is the shallot commodity, which has the potential to be traded on the international market. The main producing province of shallots on the island of Sumatra is West Sumatra, Solok Regency. This study aims to determine the competitiveness of shallot farming in Solok Regency, West Sumatra and determine the impact of government policies on outputs and inputs in onion farming. The research method is descriptive qualitative and quantitative descriptive methods. Data analysis is PAM (Policy Analysis Matrix). The analysis shows that onion farming in Solok Regency, West Sumatra has a Private Advantage of 34,269,456.00 (Competitive Advantage) and has a Social Advantage of 92,203,432.00 (Comparative Advantage), and has a competitive advantage with a yield of 0.24 (Private Profitability) and comparative advantage with a result of 0.04 (Social Profitability)

INTESTINAL PARASITISM AMONG JIREN ELEMENTARY AND JUNIOR SECONDARY SCHOOL STUDENTS IN SOUTH-WESTERN ETmOPIA

ABSTRACT: A cross-sectional survey on intestinal parasites was conducted in Jiren Elementary & Junior Secondary School, Jirnrna. A total of 301 stool specimens were collected by systematic random sampling from a total of 1626 population. The stools were examined for ova and parasites by direct saline suspension (wet mount) method. The result showed high prevalence rate of parasitic infection (68.4%). A total of 10 species were identified among which Ascaris lumbricoides was the leading (52.2%) followed by Triclluris trichiura (18.6%), while Schistosoma mansoni was the least (0.3 % ) .No statistically significant difference was seen in the prevalence rate of intestinal parasites by sex, (p>0.01). However, there is significant association between water source for drinking and parasitoses, (p < 0.01), where, unprotected source of water favouring infection of all infected. Most of the infected children (92.2%) were asymptomatic. It is suggested that affective PHC strategies, such as health education in schools, expansion of school health services and chemotherapy with broad spectrum anti- helrninthics should be (implimented). [Ethiop. i. Health Dev. 1994;8(1):37-41

Методичні підходи до аналізу й оцінки маркетингових конкурентних переваг аптечних мереж

To determine the right strategic course is the most responsible thing for any company. Therefore, it is extremely important for management to carefully approach to development and implementation of the strategy considering many internal and external factors and focusing on a number of factors.Aim. To develop methodological approaches in order to identify strengths and weaknesses, assessment of their importance, as well as to determine the marketing competitive advantages of pharmacy networks.Materials and Methods. To solve this task a survey of 402 employees of 30 pharmacy networks was carried out. The following methods were used in the study: Friedman two-way analysis of variance of dependent samples; Wilcoxon’s criterion of related samples with Benjamini-Hochberg correction for multiplicity; Kendall’s coefficient of concordance; verbal numeric rating scale of Harrington and Margolin; cluster analysis; analysis using Pearson criterion c2 and maximum likelihood criterion c2; Kruskal–Wallis test.Results. The analysis of the priority of competing pharmacies strengths was conducted: in the first cluster (small pharmacy networks) the greatest importance is given to such competitive factors as convenience of location of the pharmacy, affordability of goods and services, as well as the width of the range of drugs and parapharmaceutical products; in the second cluster (medium pharmacy networks) the highest scores are given to availability of additional services and convenient work schedule; the rate and quality of service, affordability of goods and services, availability of professional development programs for the staff, the width of the range of drugs and parapharmaceutical products are the priorities in the third cluster (large and mega pharmacy networks).Conclusions. The results of the studies conducted should be considered when forming competitive strategies of pharmacy networks taking into account their type.Определение правильного стратегического курса является наиболее ответственным делом для предприятия. Поэтому менеджменту крайне важно подойти взвешенно к процессу разработки и реализации стратегии, учитывая много внутренних и внешних факторов и акцентировав внимание на ряде факторов.Цель: разработка методических подходов к определению сильных и слабых сторон, оценки их значимости, определение маркетинговых конкурентных преимуществ аптечных сетей.Материалы и методы. Для решения поставленной цели нами было проведено анкетирование 402 сотрудников 30 аптечных сетей. В процессе исследования были использованы следующие методы: двухфакторный анализ Фридмена зависимых выборок; критерий Уилкоксона взаимосвязанных выборок с поправкой Бенджамина-Хохберга на множественность; коэффициент конкордации Кендалла; вербально-числовые шкалы Гаррингтона и Марголина; кластерный анализ; анализ с использованием критериев c2 Пирсона и c2 максимального правдоподобия; критерий Краскала-Уоллиса.Результаты. Проведен анализ приоритетности сильных сторон конкурирующих аптечных предприятий: в первом кластере (мелких аптечных сетей) наибольшая важность придается таким факторам конкурентоспособности, как удобство местоположения аптеки, доступность цен на товары и услуги, а также широта ассортимента лекарственных средств и парафармацевтических товаров; во втором кластере (средние аптечные сети) высоко оценивают наличие дополнительных услуг, удобный график работы; в третьем кластере (большие и мегааптечные сети) – скорости и качеству обслуживания, доступности цен на товары и услуги, наличию программ повышения квалификации персонала, широте ассортимента лекарственных средств и парафармацевтических товаров.Выводы. Результаты проведенных исследований необходимо учитывать при формировании конкурентных стратегий аптечных сетей с учетом их типа.Визначення правильного стратегічного курсу є найбільш відповідальною справою для підприємства. Тому менеджменту вкрай важливо підійти зважено до процесу розробки та реалізації стратегії, врахувавши багато внутрішніх і зовнішніх чинників та акцентувавши увагу на низці факторів.Мета: розробка методичних підходів до визначення сильних і слабких сторін, оцінки їх вагомості, визначення маркетингових конкурентних переваг аптечних мереж.Матеріали та методи. Для вирішення поставленої мети нами було проведено анкетування 402 співробітників 30 аптечних мереж. У процесі дослідження були використані такі методи: двофакторний аналіз Фрідмена залежних вибірок; критерій Уїлкоксона взаємопов’язаних вибірок з поправкою Бенджаміна-Хохберга на множинність; коефіцієнт конкордації Кендалла; вербально-числові шкали Гаррінгтона і Марголіна; кластерний аналіз; аналіз із використанням критеріїв c2 Пірсона і c2 максимальної правдоподібності; критерій Краскала-Уолліса.Результати. Проведено аналіз пріоритетності сильних сторін конкуруючих аптечних підприємств: у першому кластері (дрібних аптечних мереж) найбільша важливість надається таким факторам конкурентоспроможності, як зручність місця розташування аптеки, доступність цін на товари та послуги, а також широта асортименту лікарських засобів і парафармацевтичних товарів; у другому кластері (середні аптечні мережі) найвище оцінюють наявність додаткових послуг і зручний графік роботи; у третьому кластері (великі і мегааптечні мережі) – швидкості та якості обслуговування, доступності цін на товари та послуги, наявності програм підвищення кваліфікації персоналу, широті асортименту лікарських засобів і парафармацевтичних товарів.Висновки. Результати проведених досліджень необхідно враховувати при формуванні конкурентних стратегій аптечних мереж з урахуванням їх типу