Problematika Pelaksanaan Pembiayaan Ar-rahn dengan Akad Al-qardh pada PT. Bank Syariah Mandiri Kantor Cabang Pembantu Petisah

The problems faced by PT. Bank Syariah Mandiri KCP Petisah in implementing ar-rahn financing with al-qardh contract were as follows: first, there was no synchronization between the Edict of the National Sharia Board No. 26/DSN-MUI/III/2002 and the implementation of ar-rahn financing with al-qardh contract; secondly, there was the social problem about people's ignorance in the concept of ar-rahn financing with al-qardh contract which was in line with the Islamic law; thirdly, there was the company's management problem about the adjustment to sharia financial institution caused by the changing in regulation in ar-rahn financing. Some factors which became the obstacles in implementing ar-rahn financing with al-qardh contract from the internal factors of the company's management were the lack of understanding of pawn personnel who offered the product of ar-rahn financing to the people, their carelessness in assessing the genuineness of the clients' gold, and the adjustment to the management o f sharia financial institution as the result of the regulation in ar-rahn financing, according to the Circulation Letter o f Bank Indonesia No. 14/7/DPbs, on February 29, 2012 on qardh with gold as collateral. From the external factors, there were two aspects: judicially, there was no synchronization in the regulation of ar-rahn financing with al-qardh contract, and sociologically, there was no good faith from the clients since some of them pawned imitation gold, and people's ignorance in the concept of ar-rahn financing according to the Islamic law. Some attempts by PT. Bank Syariah Mandiri KCP Petisah to cope with the problems were by implementing due diligence, adjusting the regulation of ar-rahn financing to the regulation of Bank Indonesia, implementing SOP ar-rahn object analysis, providing training for ar-rahn financing personnel, and conducting operational principle more consistently

A Measure Theoretic Erdos-Rado Theorem

Infinite combinatorics has become an essential tool to handle a significant number of problems in Analysis, Topology and Set Theory

Draft genome sequence of a Uropathogenic Escherichia coli (UPEC) isolate (ST38 O1:H15) from Pakistan, an emerging MDR sequence type with a high virulence profile

Sequence type (ST) 38 is considered a UPEC/EAEC hybrid associated with multi-drug resistance and urinary tract infections (UTIs). The draft genome sequence of UEC59 from a female in Pakistan revealed a 5324938 bp genome with 5386 CDS, 86 tRNA genes, and multiple antibiotic resistance genes (blaTEM-1, CMY-2, sul1, sul2, dfrA17, tetA, mphA) and mobile elements (int1, two transposons, 30 IS elements, one ICE, four plasmids, five prophages), along with many virulence genes

Dashboard Executive Information System Pada Banjar Berbasis Web

Teknologi komputer selalu berkembang sampai pada saat ini. Komputer biasanya digunakan untuk mencari hiburan, membuat riset, dan melakukan pekerjaan. Saat ini hampir semua komputer digunakan oleh Perusahaan-Perusahaan dalam melakukan pekerjaannya. Pengguna komputer dalam melakukan pekerjaannya dibantu dengan perangkat lunak sehingga dapat menyelesaikan pekerjaan dengan cepat. Di dalam sebuah banjar ketersediaan informasi dan kemampuan dalam mengolah data secara efektif merupakan keperluan yang sangat penting dalam organisasi karena keberhasilan dari suatu organisasi tergantung pada tersedianya informasi yang dibutuhkan dan bagaimana cara-cara pemenuhan kebutuhan informasi tersebut. Pada beberapa banjar sekarang sudah menggunakan sistem yang terkomputerisasi tetapi masih sangat sederhana. Dashboard Information system merupakan sistem informasi yang menampilkan data secara visual. Dengan menggunakan dashboard diharapkan dapat mempermudah dan membantu penampilan data-data yang ada pada banjar

Aluminium-26 production in low- and intermediate-mass binary systems

Aluminium-26 is a radioactive isotope which can be synthesized within asymptotic giant branch (AGB) stars, primarily through hot bottom burning. Studies exploring $^{26}$Al production within AGB stars typically focus on single-stars; however, observations show that low- and intermediate-mass stars commonly exist in binaries. We use the binary population synthesis code binary_c to explore the impact of binary evolution on $^{26}$Al yields at solar metallicity both within individual AGB stars and a low/intermediate-mass stellar population. We find the key stellar structural condition achieving most $^{26}$Al overproduction is for stars to enter the thermally-pulsing AGB (TP-AGB) phase with small cores relative to their total masses, allowing those stars to spend abnormally long times on the TP-AGB compared to single-stars of identical mass. Our population with a binary fraction of 0.75 has an $^{26}$Al weighted population yield increase of $25\%$ compared to our population of only single-stars. Stellar-models calculated from the Mt Stromlo/Monash Stellar Structure Program, which we use to test our results from binary_c and closely examine the interior structure of the overproducing stars, support our binary_c results only when the stellar envelope gains mass after core-He depletion. Stars which gain mass before core-He depletion still overproduce $^{26}$Al, but to a lesser extent. This introduces some physical uncertainty into our conclusions as $55\%$ of our $^{26}$Al overproducing stars gain envelope mass through stellar wind accretion onto pre-AGB objects. Our work highlights the need to consider binary influence on the production of $^{26}$Al.Comment: 20 pages, 17 figures, and 6 tables. This article has been accepted for publication in MNRAS Published by Oxford University Press on behalf of the Royal Astronomical Societ

Brain Organoids as Model Systems for Genetic Neurodevelopmental Disorders

Neurodevelopmental disorders (NDDs) are a group of disorders in which the development of the central nervous system (CNS) is disturbed, resulting in different neurological and neuropsychiatric features, such as impaired motor function, learning, language or non-verbal communication. Frequent comorbidities include epilepsy and movement disorders. Advances in DNA sequencing technologies revealed identifiable genetic causes in an increasingly large proportion of NDDs, highlighting the need of experimental approaches to investigate the defective genes and the molecular pathways implicated in abnormal brain development. However, targeted approaches to investigate specific molecular defects and their implications in human brain dysfunction are prevented by limited access to patient-derived brain tissues. In this context, advances of both stem cell technologies and genome editing strategies during the last decade led to the generation of three-dimensional (3D) in vitro-models of cerebral organoids, holding the potential to recapitulate precise stages of human brain development with the aim of personalized diagnostic and therapeutic approaches. Recent progresses allowed to generate 3D-structures of both neuronal and non-neuronal cell types and develop either whole-brain or region-specific cerebral organoids in order to investigate in vitro key brain developmental processes, such as neuronal cell morphogenesis, migration and connectivity. In this review, we summarized emerging methodological approaches in the field of brain organoid technologies and their application to dissect disease mechanisms underlying an array of pediatric brain developmental disorders, with a particular focus on autism spectrum disorders (ASDs) and epileptic encephalopathies

Viability of novae as sources of Galactic lithium

Of all the light elements, the evolution of lithium (Li) in the Milky Way is perhaps the most difficult to explain. Li is difficult to synthesize and is easily destroyed, making most stellar sites unsuitable for producing Li in sufficient quantities to account for the proto-solar abundance. For decades, novae have been proposed as a potential explanation to this 'Galactic Li problem', and the recent detection of 7Be in the ejecta of multiple nova eruptions has breathed new life into this theory. In this work, we assess the viability of novae as dominant producers of Li in the Milky Way. We present the most comprehensive treatment of novae in a galactic chemical evolution code to date, testing theoretical- and observationally-derived nova Li yields by integrating metallicity-dependent nova ejecta profiles computed using the binary population synthesis code binary c with the galactic chemical evolution code OMEGA+. We find that our galactic chemical evolution models which use observationally-derived Li yields account for the proto-solar Li abundance very well, while models relying on theoretical nova yields cannot reproduce the proto-solar observation. A brief exploration of physical uncertainties including single-stellar yields, the metallicity resolution of our nova treatment, common-envelope physics, and nova accretion efficiencies indicates that this result is robust to physical assumptions. Scatter within the observationally-derived Li yields in novae is identified as the primary source of uncertainty, motivating further observations of 7Be in nova ejecta.Comment: Accepted for publication in ApJL 28/7/202

A qualitative study of patients and healthcare workers’ experiences and perceptions to inform a better understanding of gaps in care for pre-discharged tuberculosis patients in Cape Town, South Africa

Background Many people diagnosed with Mycobacterium tuberculosis (TB) in tertiary and district hospitals in South Africa do not arrive at their primary care clinic for continued care after they are discharged from the hospital. This loss to follow up is a major, ongoing problem for public health in South Africa, and contributes to drug-resistant TB strains. The objective of this paper was to explore patients’ experiences and perceptions of diagnosis and treatment before their discharge from hospital. We use a framework known as patient-centred care to illustrate how these patient narratives point to lapses in these principles within the hospital system, and to show how such lapses may contribute to loss to follow up and inconsistent TB care. Methods We employed a qualitative study using semi-structured interviews to investigate patient and healthcare workers’ experiences and perceptions of TB care in two Western Cape hospitals. We purposefully sampled 17 patients, 10 healthcare workers, and two key informant policy makers, all of whom had relevant experiences and insights. Data collection was done between October 2015 and February 2017. Data were analysed using Miles and Huberman’s qualitative analysis framework. Results Hospitals did not achieve patient-centred care. Newly diagnosed patients were provided with inadequate TB education, diseased-focused approaches were favoured over patient-focused approaches, and there was limited engagement with patients to understand their needs and feelings during the critical period between diagnosis and discharge. Consequently, some patients felt anxious prior to their discharge from hospital. Coupled with their overwhelming socio-economic barriers and complex family situations, some patients felt hopeless and powerless as they prepared for discharge. Finally, there was a lack of patient-provider partnership due to problems including healthcare workers’ time constraints and heavy workloads, which detracted from a focus on patients’ needs and feelings. Conclusions Improving the three intersecting elements of patient-centred care (health education, engaging with patients’ needs and feelings, and shared decision-making) has the potential to positively influence patients’ continuity of care for TB in South Africa. It would be helpful to also proactively address how patients plan to stay connected to care, on treatment, and supported, in light of their family situation or socio-economic circumstances. Detailed and unique pre-discharge counselling for each patient may be valuable in this regard

Social and Psychological Features of Hardiness in Personality of Students of Higher Education Institutions

The topicality and significance of the study is determined by the fact that life and activity of a person in contemporary socio-economic conditions are inextricably connected with the constant impact of adverse social, political, economic and other factors on him. These factors are accompanied by the emergence of various kinds of difficult life situations, as a result of which stress develops in a person. In the student milieu, stress arises under the influence of difficulties associated with both the learning process and life circumstances. The paper presents the results of an empirical study of socio-psychological features of hardiness in students of higher educational institutions. The methods of research comprised: theoretical analysis, empirical research (testing), qualitative analysis of the obtained data, mathematical and statistical data processing (SPSS Statistics, Excel). Testing included the following psycho-diagnostic tools: the author’s questionnaire for assessing stressful situations; McCrae-Costa Five-Factor Personality Questionnaire (The Big Five dimensions); “Hardiness test”; Self-attitude technique. The validity and reliability of the study results was ensured by the initial methodological positions, the use of proven tools, sample representativeness of the research, as well as mathematical processing of data with the use of a software package for statistical analysis. As a result of the study, it was proved that emotion-focused ways of overcoming stress associated with a decrease in tension and a change in attitude to emerging difficulties prevail among the students of both the experimental and control groups. A high level of stress was found in the majority of subjects. In order to reduce this stress, it is necessary for students to form special skills to overcome it. In addition, an analysis of the psychological factors of students’ hardiness made it possible to determine the main areas of their psychological support in overcoming difficult life situations (development of qualities that form the core of students’ personal adaptive potential, the formation of their social competency, enrichment of social networks, as well as learning ways to find and accept social support)