Lecturers’ financial wellness: The role of religiosity, financial literacy, behavior, and stress with gender as the moderating variable

Research aims: The study’s objective is to propose and empirically test a model encompassing financial literacy, financial behavior, financial stress, religiosity, and the role of gender as moderating variable on financial wellness. Design/Methodology/Approach: Using a convenience sampling technique, an online survey was conducted to collect data from lecturers in Pekanbaru, yielding 116 usable responses that were analyzed using partial least squares structural equation modeling (PLS-SEM). Research findings: The study findings highlighted that financial behavior and religiosity positively impacted financial wellness, while financial stress significantly negatively influenced financial wellness. The study also confirmed the moderation role of gender in the relationship between financial literacy and financial wellness. Theoretical contribution/Originality: This study’s findings contribute to the literature by examining the role of religiosity as the determinant of financial wellness among lecturers. Specifically, this study provides new insight into lecturers’ financial wellness because most previous studies focus on employees Research limitation/Implication: This cross-sectional study was conducted at a specific time, so the causal relationships could not be established. Hence, researchers in the future may employ a longitudinal strategy to analyze changes in financial behavior and their effects across tim

Corporate Social Responsibility Disclosure and Financial Performance: A State Owned Enterprises Case Study

In today’s business environment, the maximization of shareholders wealth is not the only objective of a company. By engaging in the Corporate Social Responsibility (CSR) program, companies are also responsible for the interest of stakeholders and society at large. CSR disclosure is believed to improve financial performance. In State Owned Enterprises (SOE), however, the validity of this relationship has been called into question. In this paper, the main objective is to investigate the influence of CSR disclosure on financial performance in SOE. In relation to the measurement of financial performance, this study takes into account three indicators: Return on Equity (ROE), Earning Per Share (EPS), and Net Profit Margin (NPM). In this study, data from state owned enterprises, which were listed on the Indonesian Stock Exchange from the period of 2011 to 2015, were analyzed using simple regression method. The data used in this study took the form of financial and sustainability report issued by state owned enterprises. The results show that the disclosure of CSR has a significant positive effect on ROE. The CSR disclosure also has a significant positive effect on EPS. In contrast, the disclosure of CSR has no effect on NPM. In the context of State Owned Enterprises, the research demonstrates that there is positive relationship between CSR disclosure and financial performance. This paper contributes to our understanding of state owned enterprises in Indonesia; a research area which has to date been neglected by scholars

Функціональний стан системи ейкозаноїдів у хворих на псоріаз, комплексне їх лікування із застосуванням ейкозомодулюючої терапії

Sigan is a very effective for the treatment of patients with psoriasis vulgaris and artropathia psoriatica. When you are citing the document, use the following link http://essuir.sumdu.edu.ua/handle/123456789/167

Metal Complexes of Multidentate N2S2 Heterocyclic Schiff-base Ligands;Formation, Structural Characterisation and Biological Activity

The synthesis of ligands with N2S2 donor sets that include imine, an amide, thioether, thiolate moieties and their metal complexes were achieved. The new Schiff-base ligands; N-(2-((2,4-diphenyl-3-azabicyclo[3.3.1]nonan-9-ylidene)amino)ethyl)-2-((2-mercaptoethyl)thio)-acetamide (H2L1) and N-(2-((2,4-di-p-tolyl-3-azabicyclo[3.3.1]nonan-9-ylidene)amino)ethyl)-2-((2-mercaptoethyl)thio) acetamide (H2L2) were obtained from the reaction of amine precursors with 1,4-dithian-2-one in the presence of triethylamine as a base in the CHCl3 medium. Complexes of the general formula K2[M(Ln)Cl2], (where: M = Mn (II), Co(II) and Ni(II)) and [M(Ln)], (where: M = Cu(II), Zn(II) and Cd(II); n =1-2, expect [Cu(HL2)Cl]) were isolated. The entity of ligands and complexes including their purity were confirmed using elemental microanalysis (C.H.N.S), atomic absorption (A.A), chloride content, conductivity measurement's, melting point and thermal analysis technique. The molecular structures were elucidated with FT-IR, UV-Vis, magnetic susceptibility, 1H-and 13C-NMR and mass spectroscopy. The synthesised compounds were evaluated for their activity against bacterial strains (G+ and G-) and fungi species. The tested compounds indicated that; the ligands have not shown any antimicrobial activity against Escherichia coli. The Cd(II) complexes, for ligands H2L1 and H2L2, display the higher antimicrobial activity, compared with the other complexes. The H2L1 and H2L2 have not shown any activity against Candida albicans. All complexes for ligands (H2L1 and H2L2) exhibited less activity against Candida albicans, compared with other types of fungi

Tenure security and household investment decisions for urban sanitation: The case of Dakar, Senegal

This article was published in the journal, Habitat International [© Elsevier Ltd.] and the definitive version is available at: http://dx.doi.org/10.1016/j.habitatint.2013.02.004This paper explores the relevance of householders' security of tenure to their willingness to pay the capital and operational costs for sanitation in low-income urban areas. When the sanitation norm is self-managed on-site systems, as is the case in many low-income areas of towns and cities, household investment decisions in sanitation are inherently linked to tenure security. Based on evidence gathered in Dakar, Senegal, it is de facto rather than de jure tenure rights that provide sufficient security for household investment in sanitation. We make a critical distinction between willingness to invest and willingness to pay for the capital investment costs and on-going operational servicing costs of sanitation. Whilst tenants and those with lower tenure security do not invest in capital infrastructure, they are willing to pay for the operational aspects of sanitation services. Current formal policy settings and strategies for urban sanitation tend not to cater for this group; this is a fundamental oversight as these constitute significant and growing segments of the population. Land tenure and sanitation issues need to be considered in an integrated way and the capital and operational costs need to be disaggregated in planning to respond more effectively to the spending decisions of the urban poor

تصميم مادة اللغة العربية في مهارة الاستماع باستخدام برنامج أوداسيتي الحاسوبي: بحث تطويري وتجريبي في مدرسة سونان أمفيل الثنوية الاسلامية جومبانج جاوا الشرقية

ABSTRAK Tujuan dasar pengajaran keterampilan menyimak adalah bagaimana para siswa mampu untuk mengidentifikasi bunyi beberapa huruf dan kata secara benar dan mampu memahami kandungan suatu percakapan, paragraf, gambar yang diperdengarkan. Tetapi pada kenyataannya bahwa keterampilan menyimak ini masih sulit dan membosankan bagi para siswa khususnya di Madrasah Aliyah Sunan Ampel Jombang. Peneliti menemukan bahwa permasalahan atau kesulitan ini bersumber dari tidak efektif dan menariknya media pembelajaran yang digunakan oleh seorang guru. Berdasarkan permasalahan diatas, maka diajukan pertanyaan rumusan masalah sebagai berikut : (1) Bagaimana cara mendesain materi bahasa arab dalam keterampilan menyimak dengan menggunakan program komputer Audacity?, (2) Sejauhmana efektifitas program tersebut dalam mengidentifikasi bunyi kata-kata bahasa arab ?, 3) Sejauhmana efektifitas program tersebut dalam memahami isi percakapan, paragraf, gambar di Madrasah Aliyah Sunan Ampel Jombang ?. Adapun tujuan penelitian ini adalah : (1) mendesain materi bahasa arab dalam keterampilan menyimak dengan menggunakan program komputer Audacity, (2) Mengetahui sejauhmana efektifitas program tersebut dalam mengidentifikasi bunyi kata-kata bahasa arab, (3) Mengetahui sejauhmana efektifitas program tersebut dalam memahami isi percakapan, paragraf, gambar di Madrasah Aliyah Sunan Ampel Jombang. Metode penelitian ini adalah jenis penelitian pengembangan (R&D) & Eksperimen. Populasi penelitian ini adalah semua siswa kelas 2 Madrasah Aliyah Sunan Ampel Jombang yang berjumlah 15 siswa pada tahun pelajaran 2010-2011. Adapun hasil dari penelitian ini bisa di simpulkan yaitu : (1) Desain materi pelajaran yang terdiri dari : pendahuluan, pembagian materi pelajaran, petunjuk cara penggunaan program tersebut, (2) Bahwasannya nilai rata-rata pre-test dalam pengajaran keterampilan menyimak dari segi mengidentifikasi bunyi kalimat-kalimat bahasa arab adalah : 57. Adapun nilai rata-rata post- test dalam pengajaran keterampilan menyimak dari segi mengidentifikasi bunyi kalimat-kalimat bahasa arab adalah : 76 (3) Bahwasannya nilai rata-rata pre-test dalam pengajaran keterampilan menyimak dari segi memahami struktur kalimat dalam paragraf, percakapan & gambar adalah : 55. Adapun nilai rata-rata post- test dalam pengajaran keterampilan menyimak dari segi memahami struktur kalimat dalam paragraf, percakapan & gambar adalah adalah : 70. ABSTRACT The basic goal of teaching listening skills is how the students are able to identify the sound of some letters and words correctly and able to understand the content of a conversation, paragraphs, images played. But the fact that listening skills are still difficult and tedious for the students, especially at the Madrasah Aliyah Sunan Ampel Jombang. Researchers found that these problems or difficulties do not stem from learning effective and interesting media that is used by a teacher. Based on the above problems, the formulation of the problem posed questions as follows: (1) How to design materials in a Arabic language listening skills by using a computer program Audacity?, (2) How far the effectiveness of the program in identifying the sound of Arabic words?, 3) How far the effectiveness of the program in understanding the content of conversations, paragraphs, images in Madrasah Aliyah Sunan Ampel Jombang?. The purpose of this study were: (1) designing the material in the Arabic language listening skills by using a computer program Audacity, (2) Determine the extent of the effectiveness of the program in identifying the sounds of the words of Arabic, (3) Knowing the extent of the effectiveness of the program in understanding the content conversation, paragraphs, images in Madrasah Aliyah Sunan Ampel Jombang. This research method is the type of research development (R & D) & Experiment. The study population was all students in grade 2 Madrasah Aliyah Sunan Ampel Jombang, amounting to 15 students in the school year 2010-2011. The results of this study can be concluded that: (1) design consisting of subject matter: the introduction, the distribution of course materials, instructions on how to use the program, (2) Praise be to Allaah the average pre-test in the teaching of listening skills in terms of identifying the sound of Arabic sentences are: 57. The average value of post-test in terms of teaching listening skills identifying sounds Arabic sentences are: 76 (3) Praise be to Allaah the average pre-test in the teaching of listening skills in terms of understanding the structure of sentences in paragraphs, conversations & images are: 55. The average value of post-test in the teaching of listening skills in terms of understanding the structure of sentences in paragraphs, conversations and pictures are are: 70

Personal Financial Literacy dan Financial Behavior Mahasiswa: Analisis dengan Dummy Variabel

Penelitian ini bertujuan untuk mengetahui gambaran financial literacy dan financial behaviour mahasiswa program Strata 1 semester 7 UIN Sultan Syarif Kasim Riau. Lebih lanjut, riset ini menguji faktor sosio demografi terhadap financial literacy dan dampaknya terhadap financial behavior mahasiswa. Sebanyak 839 kuesioner disebarkan kepada mahasiswa dan selanjutnya dianalisis menggunakan regresi berganda dengan variabel dummy. Hasil penelitian menunjukkan bahwa dari lima variabel bebas yang ditetapkan dalam penelitian ini hanya dua variabel yang memiliki pengaruh signifikan yaitu indeks prestasi kumulatif (IPK) dan program studi. Sementara tiga variabel lagi yaitu jenis kelamin, tingkat pendidikan, dan penghasilan orang tua tidak memiliki pengaruh yang signifikan. Diantara kelima variabel bebas tersebut, variabel jenis kelamin memiliki pengaruh negatif, sementara variabel lain memiliki pengaruh yang positif. Berdasarkan model persamaan regresi dummy yang dihasilkan dapat diketahui bahwa variabel IPK memiliki pengaruh yang paling besar, baik terhadap financial literacy maupun terhadap financial behavior.  Penelitian ini bertujuan untuk mengetahui gambaran financial literacy dan financial behaviour mahasiswa program Strata 1 semester 7 UIN Sultan Syarif Kasim Riau. Lebih lanjut, riset ini menguji faktor sosio demografi terhadap financial literacy dan dampaknya terhadap financial behavior mahasiswa. Sebanyak 839 kuesioner disebarkan kepada mahasiswa dan selanjutnya dianalisis menggunakan regresi berganda dengan variabel dummy. Hasil penelitian menunjukkan bahwa dari lima variabel bebas yang ditetapkan dalam penelitian ini hanya dua variabel yang memiliki pengaruh signifikan yaitu indeks prestasi kumulatif (IPK) dan program studi. Sementara tiga variabel lagi yaitu jenis kelamin, tingkat pendidikan, dan penghasilan orang tua tidak memiliki pengaruh yang signifikan. Diantara kelima variabel bebas tersebut, variabel jenis kelamin memiliki pengaruh negatif, sementara variabel lain memiliki pengaruh yang positif. Berdasarkan model persamaan regresi dummy yang dihasilkan dapat diketahui bahwa variabel IPK memiliki pengaruh yang paling besar, baik terhadap financial literacy maupun terhadap financial behavior