Innovation Features of Digital Literacy Services in Shariah Online Trading System (Sots) Application in an Effort to Minimize the Risk of Investing

The development of Shariah Online Trading System (SOTS) on securities is expected to facilitate investors in investing the Sharia sector. However, the majority of SOTS applications have not implemented literacy features related to investment in the Islamic capital market. On the other hand, knowledge and skills regarding financial products and services need to be possessed in order to understand the benefits and risks of these financial products and services. The purpose of this research is to find out about the innovation of financial literacy features, especially about investments in islamic capital markets so that investors can manage their investments and minimize risk in investing. This research method uses narrative review. The results showed that innovation was carried out by adding features of digital literacy services that contain educational content related to Islamic capital market investment in SOTS applications through educational content presented in various formats. Keywords: Innovation; Digital Literacy Services; SOTS; Risk; Investmen

Caso di Neurofibromatosi diagnosticata a 71 anni

Introduzione: La neurofibromatosi di tipo 1 (NF1) è una malattia genetica a trasmissione autosomica dominante caratterizzata da mutazioni a carico del gene NF1, localizzato sul cromosoma 17q11.2. La sindrome ha un’incidenza di 1 su 3500 ed è caratterizzata da diverse manifestazioni a livello cutaneo, osseo, oculare e nervoso. La diagnosi di NF1 si basa sui criteri clinici che includono macchie caffè-latte, neurofibromi, lentigginosi a livello della regione ascellare o inguinale, glioma del nervo ottico e noduli di Lisch. Dal punto di vista delle funzioni cognitive si possono riscontrare disturbi del linguaggio e ritardo mentale. I pazienti con neurofibromatosi hanno un rischio di sviluppare tumori da 3 a 4 volte maggiore rispetto alla popolazione generale; in particolare, il tumore di Wilms, tumori gastrointestinali stromali (GIST), rabdomiosarcomi, meningiomi, gliomi del nervo ottico e feocromocitomi. Molto raramente la diagnosi clinica e biomolecolare di NF1 viene posta in età avanzata essendo le manifestazioni cliniche della sindrome relativamente precoci e talora presenti fin dalla nascita. Tuttavia, sono riportati in letteratura casi di neurofibromi plessiformi ad esordio molto tardivo. Case Report: Riportiamo il caso di un paziente di 71 anni, ricoverato con la diagnosi di stato di male parziale motorio ed esiti di ematoma cerebrale su base ischemica, che veniva valutato in consulenza dermatologica per il rilievo di numerose lesioni cutanee esofitiche a livello del tronco. Tali lesioni di differente diametro e morfologia erano clinicamente compatibili con la diagnosi di neurofibromi, che veniva confermata successivamente all’esame istologico. Il paziente si mostrava poco collaborante e scarsamente orientato nel tempo e nello spazio. All’esame obiettivo venivano rilevate, inoltre, lentiggini ascellari bilaterali, numerose chiazze caffè-latte, scoliosi ed ipoacusia bilaterale. L’anamnesi familiare era negativa per il rilievo di neurofibromi e altri segni riconducibili a tale patologia. Attualmente è in corso lo studio genetico per la ricerca mutazionale a carico del gene NF1. Conclusioni: La diagnosi tardiva di NF1 nel paziente che presentiamo può essere addotta in parte alla comparsa in età avanzata del fenotipo cutaneo ed in parte al disagiato contesto familiare che non ha contribuito all’attuazione di adeguate strategie diagnostiche e di follow-up clinico-strumentale. Tale caso clinico ci rammenta che la diagnosi di Neurofibromatosi può essere posta anche in pazienti con anamnesi familiare completamente negativa per la comparsa di mutazioni de novo. E’ noto che il 50% dei pazienti con diagnosi di NF1 non presenta storia familiare per tale patologia

BHPR research: qualitative1. Complex reasoning determines patients' perception of outcome following foot surgery in rheumatoid arhtritis

Background: Foot surgery is common in patients with RA but research into surgical outcomes is limited and conceptually flawed as current outcome measures lack face validity: to date no one has asked patients what is important to them. This study aimed to determine which factors are important to patients when evaluating the success of foot surgery in RA Methods: Semi structured interviews of RA patients who had undergone foot surgery were conducted and transcribed verbatim. Thematic analysis of interviews was conducted to explore issues that were important to patients. Results: 11 RA patients (9 ♂, mean age 59, dis dur = 22yrs, mean of 3 yrs post op) with mixed experiences of foot surgery were interviewed. Patients interpreted outcome in respect to a multitude of factors, frequently positive change in one aspect contrasted with negative opinions about another. Overall, four major themes emerged. Function: Functional ability & participation in valued activities were very important to patients. Walking ability was a key concern but patients interpreted levels of activity in light of other aspects of their disease, reflecting on change in functional ability more than overall level. Positive feelings of improved mobility were often moderated by negative self perception ("I mean, I still walk like a waddling duck”). Appearance: Appearance was important to almost all patients but perhaps the most complex theme of all. Physical appearance, foot shape, and footwear were closely interlinked, yet patients saw these as distinct separate concepts. Patients need to legitimize these feelings was clear and they frequently entered into a defensive repertoire ("it's not cosmetic surgery; it's something that's more important than that, you know?”). Clinician opinion: Surgeons' post operative evaluation of the procedure was very influential. The impact of this appraisal continued to affect patients' lasting impression irrespective of how the outcome compared to their initial goals ("when he'd done it ... he said that hasn't worked as good as he'd wanted to ... but the pain has gone”). Pain: Whilst pain was important to almost all patients, it appeared to be less important than the other themes. Pain was predominately raised when it influenced other themes, such as function; many still felt the need to legitimize their foot pain in order for health professionals to take it seriously ("in the end I went to my GP because it had happened a few times and I went to an orthopaedic surgeon who was quite dismissive of it, it was like what are you complaining about”). Conclusions: Patients interpret the outcome of foot surgery using a multitude of interrelated factors, particularly functional ability, appearance and surgeons' appraisal of the procedure. While pain was often noted, this appeared less important than other factors in the overall outcome of the surgery. Future research into foot surgery should incorporate the complexity of how patients determine their outcome Disclosure statement: All authors have declared no conflicts of interes

Differential cross section measurements for the production of a W boson in association with jets in proton–proton collisions at √s = 7 TeV

Measurements are reported of differential cross sections for the production of a W boson, which decays into a muon and a neutrino, in association with jets, as a function of several variables, including the transverse momenta (pT) and pseudorapidities of the four leading jets, the scalar sum of jet transverse momenta (HT), and the difference in azimuthal angle between the directions of each jet and the muon. The data sample of pp collisions at a centre-of-mass energy of 7 TeV was collected with the CMS detector at the LHC and corresponds to an integrated luminosity of 5.0 fb[superscript −1]. The measured cross sections are compared to predictions from Monte Carlo generators, MadGraph + pythia and sherpa, and to next-to-leading-order calculations from BlackHat + sherpa. The differential cross sections are found to be in agreement with the predictions, apart from the pT distributions of the leading jets at high pT values, the distributions of the HT at high-HT and low jet multiplicity, and the distribution of the difference in azimuthal angle between the leading jet and the muon at low values.United States. Dept. of EnergyNational Science Foundation (U.S.)Alfred P. Sloan Foundatio

Optimasi Portofolio Resiko Menggunakan Model Markowitz MVO Dikaitkan dengan Keterbatasan Manusia dalam Memprediksi Masa Depan dalam Perspektif Al-Qur`an

Risk portfolio on modern finance has become increasingly technical, requiring the use of sophisticated mathematical tools in both research and practice. Since companies cannot insure themselves completely against risk, as human incompetence in predicting the future precisely that written in Al-Quran surah Luqman verse 34, they have to manage it to yield an optimal portfolio. The objective here is to minimize the variance among all portfolios, or alternatively, to maximize expected return among all portfolios that has at least a certain expected return. Furthermore, this study focuses on optimizing risk portfolio so called Markowitz MVO (Mean-Variance Optimization). Some theoretical frameworks for analysis are arithmetic mean, geometric mean, variance, covariance, linear programming, and quadratic programming. Moreover, finding a minimum variance portfolio produces a convex quadratic programming, that is minimizing the objective function ðð¥with constraintsð ð 𥠥 ðandð´ð¥ = ð. The outcome of this research is the solution of optimal risk portofolio in some investments that could be finished smoothly using MATLAB R2007b software together with its graphic analysis

Juxtaposing BTE and ATE – on the role of the European insurance industry in funding civil litigation

One of the ways in which legal services are financed, and indeed shaped, is through private insurance arrangement. Two contrasting types of legal expenses insurance contracts (LEI) seem to dominate in Europe: before the event (BTE) and after the event (ATE) legal expenses insurance. Notwithstanding institutional differences between different legal systems, BTE and ATE insurance arrangements may be instrumental if government policy is geared towards strengthening a market-oriented system of financing access to justice for individuals and business. At the same time, emphasizing the role of a private industry as a keeper of the gates to justice raises issues of accountability and transparency, not readily reconcilable with demands of competition. Moreover, multiple actors (clients, lawyers, courts, insurers) are involved, causing behavioural dynamics which are not easily predicted or influenced. Against this background, this paper looks into BTE and ATE arrangements by analysing the particularities of BTE and ATE arrangements currently available in some European jurisdictions and by painting a picture of their respective markets and legal contexts. This allows for some reflection on the performance of BTE and ATE providers as both financiers and keepers. Two issues emerge from the analysis that are worthy of some further reflection. Firstly, there is the problematic long-term sustainability of some ATE products. Secondly, the challenges faced by policymakers that would like to nudge consumers into voluntarily taking out BTE LEI

Penilaian Kinerja Keuangan Koperasi di Kabupaten Pelalawan

This paper describe development and financial performance of cooperative in District Pelalawan among 2007 - 2008. Studies on primary and secondary cooperative in 12 sub-districts. Method in this stady use performance measuring of productivity, efficiency, growth, liquidity, and solvability of cooperative. Productivity of cooperative in Pelalawan was highly but efficiency still low. Profit and income were highly, even liquidity of cooperative very high, and solvability was good

Search for stop and higgsino production using diphoton Higgs boson decays

Results are presented of a search for a "natural" supersymmetry scenario with gauge mediated symmetry breaking. It is assumed that only the supersymmetric partners of the top-quark (stop) and the Higgs boson (higgsino) are accessible. Events are examined in which there are two photons forming a Higgs boson candidate, and at least two b-quark jets. In 19.7 inverse femtobarns of proton-proton collision data at sqrt(s) = 8 TeV, recorded in the CMS experiment, no evidence of a signal is found and lower limits at the 95% confidence level are set, excluding the stop mass below 360 to 410 GeV, depending on the higgsino mass

Impacts of the Tropical Pacific/Indian Oceans on the Seasonal Cycle of the West African Monsoon

The current consensus is that drought has developed in the Sahel during the second half of the twentieth century as a result of remote effects of oceanic anomalies amplified by local land–atmosphere interactions. This paper focuses on the impacts of oceanic anomalies upon West African climate and specifically aims to identify those from SST anomalies in the Pacific/Indian Oceans during spring and summer seasons, when they were significant. Idealized sensitivity experiments are performed with four atmospheric general circulation models (AGCMs). The prescribed SST patterns used in the AGCMs are based on the leading mode of covariability between SST anomalies over the Pacific/Indian Oceans and summer rainfall over West Africa. The results show that such oceanic anomalies in the Pacific/Indian Ocean lead to a northward shift of an anomalous dry belt from the Gulf of Guinea to the Sahel as the season advances. In the Sahel, the magnitude of rainfall anomalies is comparable to that obtained by other authors using SST anomalies confined to the proximity of the Atlantic Ocean. The mechanism connecting the Pacific/Indian SST anomalies with West African rainfall has a strong seasonal cycle. In spring (May and June), anomalous subsidence develops over both the Maritime Continent and the equatorial Atlantic in response to the enhanced equatorial heating. Precipitation increases over continental West Africa in association with stronger zonal convergence of moisture. In addition, precipitation decreases over the Gulf of Guinea. During the monsoon peak (July and August), the SST anomalies move westward over the equatorial Pacific and the two regions where subsidence occurred earlier in the seasons merge over West Africa. The monsoon weakens and rainfall decreases over the Sahel, especially in August.Peer reviewe