Financial Solace: Malaysian Credit Counselling and Debt Management Agency Responses to COVID-19 Challenges

This study evaluates the measures undertaken by the Credit Counselling and Debt Management Agency (AKPK) to assist those financially distressed due to their inability to meet their financial commitments amidst the COVID-19 pandemic. Adopting secondary analysis of qualitative data, relevant secondary data, including journal articles, annual reports, and newspaper articles, were analyzed. The study finds that measures adopted by AKPK in response to the COVID-19 pandemic include reinforcing the workforce, enhancing IT infrastructures, deploying digital platforms, using various media channels, introducing online apps, online portals, online webinars, online learning modules, and online payment facility for all debt management participants. AKPK is also entrusted with handling small and medium enterprises (SMEs) under the Small Debt Resolution Scheme. A dedicated SME Helpdesk is established to facilitate the process. AKPK’s continual support to provide financial aid is reflected in its collaborative effort with the banking industry under the Financial Management and Resilience Program and the Financial Resilience Support Program. However, the government should seriously consider strengthening personal data protection laws because of AKPK’s significant reliance on digital platforms. Similarly, appropriate government bodies must take quick action to address the digital divide issue and promote inclusion to reduce disparity in terms of access to online services offered by AKPK. Also, since certain individuals or SMEs with credit facilities with entities not regulated by Bank Negara Malaysia are deprived of this incentive, relevant regulators should undertake actions to provide a similar facility. This study is significant in that it provides lessons to be learned by other credit counseling and debt management agencies in adopting effective measures to enable them to adapt to the new normal. Doi: 10.28991/ESJ-2023-SPER-011 Full Text: PD

Effect of Saline Solution on the Electrical Response of Single Wall Carbon Nanotubes-Epoxy Nanocomposites

The effects of saline solution on the electrical resistance of single wall carbon nanotubes-epoxy nanocomposites have been investigated experimentally. Ultrasonic assisted fabricated 1.0% and 0.5 W/W% SWCNTs epoxy nanocomposites are integrated into a Kelvin structure by smear cast the nanocomposites on a glass wafer. Four metal pads are deposited on the nanocomposites using the beam evaporator and wires are tethered using soldering. The effect of saline solution on the electrical resistance of the nanocomposites is studied by adding drop of saline solution to the surface of the fabricated nanocomposites and measuring electrical resistance. Moreover, the nanocomposites are soaked completely into 3 wt.% saline solution and real-time measurement of the electrical resistance is conducted. It is found that a drop of saline solution on the surface of the nanocomposites film increases the resistance by 50%. Furthermore, the real-time measurement reveals a 40% increase in the resistance of the nanocomposites film. More importantly, the nanocomposites are successfully reset by soaking in DI water for four hours. This study may open the door for using SWCNTs epoxy nanocomposites as scale sensors in oil and gas industry

Sensitivity Analysis of Thermal Degradation of Plastic Waste Using Statistically Assumed Exponential Factors and Activation Energies

The rise in the production of plastic waste has prompted the exploration of various recovery options instead of landfilling, burning, and other unethical ways of decomposing. The experimentally generated rate constants for the thermal processing of plastic waste do not yield enough liquid fuels and gases for commercial-scale usage. It is imperative to predict kinetic rate constants statistically using an appropriate combination of activation energies (Ea) and frequency factors (Ao) for the optimized thermal valorization of plastic waste. This approach also assists in controlling the selectivity and quantity of the pyrolysis products. A statistical kinetic model was tested to find the best combination of rate constants from different combinations of Ea and Ao to pyrolyze the high-density polyethylene. Two series of Ea and Ao were first assumed using R software. These series were then used to predict kinetic rate constants and analyze their sensitivity independently using MATLAB. The rate constants were varied from their originally predicted values during the sensitivity analysis. It was found that the rate constant k(7) dominated the other predicted rate constants where high oil and gas yields were concerned. The gas yield increased from lower to higher extreme positions in the range of 60%–74% with the first series and from 65% to 81% with the second series. The maximum oil content was found around 74% and 65% with the first series and second series, respectively

Correlation of Circulating ANGPTL5 Levels With Obesity, High Sensitivity C-Reactive Protein and Oxidized Low Density Lipoprotein in Adolescents

Angiopoietin-like proteins (ANGPTL) is a family of eight members known to play an important role in metabolic diseases. Of these, ANGPTL5 is suggested to regulate triglyceride metabolism and is increased in obesity and diabetes. However, its role in metabolic diseases in adolescents is not well-studied. In this study, we tested the hypothesis of a positive association between plasma ANGPTL5, and obesity, high sensitivity C-reactive protein (HsCRP) and oxidized low-density lipoprotein (Ox-LDL) in adolescents. Adolescents (N = 431; age 11–14 years) were randomly selected from middle schools in Kuwait. Obesity was classified by the BMI-for-age based on the WHO growth charts. Plasma ANGPTL5, HsCRP, and Ox-LDL were measured using ELISA. The prevalence of overweight and obesity was 20.65% and 33.18%, respectively. Mean (SD) plasma ANGPTL5 levels were significantly higher in obese, compared with overweight and normal-weight adolescents (23.05 (8.79) vs 18.39 (7.08) ng/mL, and 18.26 (6.95) ng/ml, respectively). ANGPTL5 was positively associated with both HsCRP (ρ=0.27, p \u3c 0.001) and Ox-LDL (ρ = 0.24, p \u3c 0.001). In Conclusion, ANGPTL5 levels are elevated in obese adolescents and are associated with cardiovascular disease risk factors, HsCRP and Ox-LDL. The use of ANGPTL5 as a powerful diagnostic and prognostic tool in obesity and metabolic diseases needs to be further evaluated

Association of Lowering Low‐Density Lipoprotein Cholesterol With Contemporary Lipid‐Lowering Therapies and Risk of Diabetes Mellitus: A Systematic Review and Meta‐Analysis

Background The relationship between lowering LDL (low‐density lipoprotein) cholesterol with contemporary lipid‐lowering therapies and incident diabetes mellitus (DM) remains uncertain. Methods and Results Thirty‐three randomized controlled trials (21 of statins, 12 of PCSK9 [proprotein convertase subtilisin/kexin type 9] inhibitors, and 0 of ezetimibe) were selected using Medline, Embase, and the Cochrane Central Register of Controlled Trials (inception through November 15, 2018). A total of 163 688 nondiabetic patients were randomly assigned to more intensive (83 123 patients) or less intensive (80 565 patients) lipid‐lowering therapy. More intensive lipid‐lowering therapy was defined as the more potent pharmacological strategy (PCSK9 inhibitors, higher intensity statins, or statins), whereas less intensive therapy corresponded to active control group or placebo/usual care of the trial. Metaregression and meta‐analyses were conducted using a random‐effects model. No significant association was noted between 1‐mmol/L reduction in LDL cholesterol and incident DM for more intensive lipid‐lowering therapy (risk ratio: 0.95; 95% CI, 0.87–1.04; P=0.30; R2=14%) or for statins or PCSK9 inhibitors. More intensive lipid‐lowering therapy was associated with a higher risk of incident DM compared with less intensive therapy (risk ratio: 1.07; 95% CI, 1.03–1.11; P\u3c0.001; I2=0%). These results were driven by higher risk of incident DM with statins (risk ratio: 1.10; 95% CI, 1.05–1.15; P\u3c0.001; I2=0%), whereas PCSK9 inhibitors were not associated with incident DM (risk ratio: 1.00; 95% CI, 0.93–1.07; P=0.96; I2=0%; P=0.02 for interaction). Conclusions Among intensive lipid‐lowering therapies, there was no independent association between reduction in LDL cholesterol and incident DM. The risk of incident DM was higher with statins, whereas PCSK9 inhibitors had no association with risk of incident DM

Peguam syarie di Malaysia: analisis perkembangan pelaksanaannya di mahkamah syariah

Peguam syarie mewakili pihak-pihak bertikai dalam menyelesaikan masalah mereka di mahkamah. Konsep perwakilan ini telah wujud sejak zaman Rasulullah sehingga kini. Kajian ini berhasrat untuk mencapai tiga objektif. Pertama, ianya menganalisis tadbir urus perwakilan peguam syarie pada zaman Rasulullah, sahabat serta pelaksanaannya di mahkamah syariah di Malaysia pada masa kini. Kedua, ianya mengenal pasti permasalahan semasa berkaitan tadbir urus tersebut di mahkamah syariah. Ketiga, ianya mencadangkan penyelesaian ke atas permasalahan yang dikenal pasti. Kajian ini mengguna pakai kerangka perundangan tulin yang dianalisis secara kualitatif. Data telah dikumpul melalui kaedah kajian perpustakaan serta kaedah temu bual separa struktur. Data perpustakaan kemudiannya dianalisis melalui kaedah-kaedah analisis kandungan dan analisis kritis. Data dari temubual pula dirakam, dilakukan transkripsi serta kemudiannya dimasukkan ke dalam penulisan sebagai hujah sokongan. Kajian mendapati tadbir urus perwakilan peguam syarie berkembang dari dari semasa ke semasa. Kajian turut mendapati ketidakseragaman dalam tadbir urus peguam syarie di mahkamah syariah pada masa kini. Kajian akhirnya mencadangkan agar diwujudkan tadbir urus peguam syarie yang seragam, teratur serta terperinci