Factors Affecting Financial Literacy In The Use Of Financial Institutions Products and Services

This study aimed to determine the effect of gender, parental income, and area of origin on financial literacy in the simultaneous and partial use of financial ins titution products and services among active students in the fifth semester of the Faculty of Economics and Business Warmadewa University. The results showed that gender, parents' income, and area of origin had a significant positive effect on financial literacy in the use of products and services of financial institutions. Then partially, gender has a significant positive effect on financial literacy in the use of products and services of financial institutions, while the income of parents and area of origin has no effect on financial literacy in the use of products and services of financial institutions.

Mortality differences between migrants and Italians residing in Rome before, during, and in the aftermath of the great recession. A longitudinal cohort study from 2001 to 2015

Background In Europe, one of the most consistent findings is that of migrant mortality advantage in high-income countries. Furthermore, the literature shows that economic shocks, which bring worse health outcomes, can severely affect the most disadvantaged individuals. We analyse differences and changes in all-cause mortality between Italians and migrants residing in Rome before, during, and in the aftermath of the Great Recession (2001–2015) by birth-cohort. Methods The analysis is a longitudinal open cohort study. Mortality data come from the Register of the Causes of Death (58,637 deaths) and the population denominator (n = 2,454,410) comes from the Municipal Register of Rome. By comparing three time-periods (2001–2005, 2006–2010, and 2011–2015), we analyse all-cause mortality of Rome residents born, respectively, in the intervals 1937–1976, 1942–1981, 1947–1986 (aged 25–64 years at entry into observation). Computing birth-cohort-specific death rates and applying parametric survival models with age as the time-scale, we compare mortality differences between migrants and Italians by gender, area of origin, and time-period. Results Overall, we find a lower risk of dying for migrants than Italians regardless of gender (Women: HR = 0.61, 95% CI 0.56–0.66; Men: HR = 0.49, 95% CI 0.45–0.53), and a lower death risk over time for the total population. Nevertheless, such a pattern changes according to gender and migrants’ area of origin. Conclusion Given the relevance of international migrations in Europe, studying migrants’ health has proved increasingly important. The deterioration in migrant health and the gradual weakening of migrants’ mortality advantage is likely to become a public health issue with important consequences for the healthcare system of all European countries.

One, No One, and One Hundred Thousand

Despite a considerable body of literature on Italian ethnoregionalist parties, scholars of nationalism and regionalism have overlooked southernist parties. This article aims to fill this lacuna by examining Italian southernist parties’ identity and electoral performance from 1945 to 2020. Firstly, it investigates southernist parties according to ideological positioning, autonomist or secessionist nature, and territorial area of origin. Then, by relying on official data, it explores the parties’ electoral performance in national, European, and regional elections. The main findings of the study show that, since the end of World War II, Italian southernist parties: a) have been characterized by a more autonomist rather than secessionist nature; b) have followed the typical patterns of the catch-all party; c) have performed better in regional elections. This article provides preliminary information on southernist parties, paving the way for further research on such political formations.

Fertilizers in the yield of chile habanero (Capsicum chínense) in Úrsulo Galván, Veracruz

Mexico is the country in the world with the greatest genetic variety of Capsicum: its richness is largely due to the diversity of climates and soils, which is why the commonly called “habanero” pepper is found throughout the peninsula. The objective of this project is to evaluate their adaptation to edaphoclimatic conditions different from those prevailing in their area of origin. As well as different mineral and organic fertilizers, which meet the nutritional needs in the cultivation of habanero pepper to obtain better yields and better profits for the producer. The experiment was carried out at the Tecnológico Nacional de Mexico Campus Úrsulo Galván. The experiment was carried out in a shade mesh cover, the experimental design was completely randomized with 5 treatments and 7 repetitions with a total of 35 experimental units. Therefore, it is expected that fertilizers and fertilizers have a greater significant response in the increase of the habanero pepper (Capsicum chínense Jacq) in Úrsulo Galván, Ver.

FACTORS THAT CONTRIBUTE TO THE OCCURRENCE OF RISKS

This article examines the factors influencing the risks, which are the area of origin, time of occurrence, occurrence factor, place of occurrence, classification of consequences, degree of occurrence, degree of accuracy, stage of occurrence, size of losses. studied according to the scale of the consequence. Based on the results of the study, the following recommendations were made:the organization should study and monitor the external environment along with the analysis of the internal environment and develop risk tactics

The Impact of the First Wave of the COVID-19 Pandemic on Providing Special Care Dentistry: A Survey for Dentists

This study aimed to investigate the impact of COVID-19 on the experiences of special care dentistry providers worldwide. An online survey was administered from 10 to 31 July 2020. Age, sex, years of professional activity, COVID-19 status, geographical area of origin and length of lockdown period were recorded for all participating dentists. The relationships between these variables and the changes in clinical activity, the treated patients’ COVID-19 status and the implementation of protective measures in the dental clinic were analyzed. A total of 436 (70.6% women) dentists from 59 countries responded to the survey. Clinical activity was reduced or stopped for 79.1% of respondents. The most common change was to limit treatment to urgent care only (53.7%). Treatment under general anesthesia or deep sedation was discontinued (51.0%) or reduced (35.8%) for the majority of respondents. Male dentists were more likely to maintain their clinical activity than female dentists (p < 0.001), and respondents from North America were more likely to do so than participants from other geographical regions (p < 0.001). Dentists from Latin America and the Caribbean were more likely to report treatment of confirmed cases of COVID-19 than those from Europe (p < 0.001). The implementation of protective measures in the dental office was determined by the survey participant’s sex, intensity of clinical activity and geographical area of origin. To conclude, the provision of special care dentistry was considerably reduced in response to the pandemic. Service maintenance was mainly related to the geographical area in which the surveyed dentists worked, further exacerbating pre-existing inequalities.

Karakteristik Pengunjung Ekowisata Pesisir Pantai Arung Buaya Desa Meliah Kecamatan Subi Kabupaten Natuna

This study examines the characteristics of visitors on the coast of Arung Buaya, Meliah Village, Subi District, Natuna Regency, Riau Islands Province. This tourism object is quite promising but it is not well known and managed by the society well, even though it has the potential to be developed through ecotourism conservation and become a source of regional income. The purpose of this study was to determine the characteristics of coastal ecotourism visitors to the Arung Buaya coast. This type of research is a descriptive survey. The sampling technique used accidental sampling by directly interviewing visitors who were met when collecting data. At the time of the interview, a questionnaire was used as a guide for questions on collected variables including visitor characteristics based on gender, age, occupation and area of origin. The results of the study found that the most visitors were female, aged 17-25 years and were dominated by students. Based on the origin, most of the visitors come from Meliah Village, which is about 3.3 km away and takes about 15-20 minutes. The conclusion from this research is that the tourism object on the coast of Arung Beach, Meliah Village has the potential to be developed with a panorama that is owned so that it can be a source of community income. It is recommended that this tourist attraction be developed with a more professional management and complete arenas tourism for all age groups, especially those aged 17-25 years.Keywords: Characteristics of visitors, Arung Buaya of Beach, subi Island. AbstrakPenelitian ini mengkaji tentang karakteristik pengunjung di pesisir pantai Arung Buaya Desa Meliah Kecamatan Subi, Kabupaten Natuna Provinsi Kepulauan Riau. Objek wisata ini cukup menjanjikan namun belum dikenal dan dikelola masyarakat dengan baik, padahal memiliki potensi untuk dapat dikembangkan melalui konservasi ekowisata dan menjadi sumber pendapatan daerah. Tujuan dari penelitian ini adalah untuk mengetahui karakteristik pengunjung ekowisata pesisir pantai Arung Buaya. Jenis penelitian adalah survey deskriptif. Teknik penentuan sampel menggunakan accidental sampling dengan mewawancarai langsung pengunjung yang ditemui saat pengambilan data. Wawancara dilakukan dengan menggunakan kuisioner sebagai panduan pertanyaan terhadap variabel yang dikumpulkan meliputi karakteristik pengunjung berdasarkan jenis kelamin, usia, pekerjaan dan daerah asal. Hasil penelitian menemukan bahwa pengunjung yang paling banyak berjenis kelamin perempuan dengan kisaran umur 17-25 tahun dan didominasi oleh pelajar atau mahasiswa. Berdasarkan asal pengunjung sebagian besar berasal dari Desa Meliah yang jaraknya kurang lebih 3,3 km dengan waktu tempuh lebih kurang 15-20 menit. Dari penelitian ini, diketahui bahwa objek wisata di Pesisir Pantai Arung Desa Meliah memiliki potensi untuk dikembangkan. Dengan panorama yang dimiliki, bisa menjadi sumber pendapatan masyarakat. Objek wisata ini perlu dikembangkan dengan mengacu karakteristik pengunjung ekowisata ini.Kata Kunci: Karakteristik pengunjung, Pantai Arung Buaya, Pulau Subi.

POLA KOMUNIKASI ANTARBUDAYA SANTRI (Studi Kasus Santri Putri Pondok Pesantren Nurul Huda NU Pesanggrahan)

This study aims to discuss how the intercultural communication patterns of female students at the Nurul Huda Islamic Boarding School NU Pesanggrahan and the obstacles that must be taken against the communication patterns for female students of the Nurul Huda Islamic Boarding School NU Pesanggrahan in the pesantren environment towards existing cultures. The approach that the researcher adopts is to use a qualitative research approach with field studies (field research). By using descriptive research methods.The results of the research conducted show that female students in Islamic boarding schools carry out learning about good verbal and non-verbal or dialect communication through close friends at the cottage by adjusting intercultural communication patterns through the language of female students from different regions and adapting to the language according to the boundaries so that Intercultural communication is effectively established in the Nurul Huda Islamic Boarding School NU Pesanggrahan. In addition, there are differences in language or dialect as the main factor for the female students at the Nurul Huda Islamic Boarding School NU Pesanggrahan, namely the language factor (communication) and social factors. The factors that cause differences in the language or dialect of the female students at the Nurul Huda Islamic Boarding School NU Pesanggrahan include: (1) The language (communication) is different from the area of origin of the female students so that they do not understand what is meant; (2) Unsuitable association from the area of origin of the female students, thus obstructing gaps in daily communication.Penelitian ini bertujuan untuk mendiskusikan bagaimana pola komunikasi antarbudaya santri putri di Pondok Pesantren Nurul Huda NU Pesanggrahan dan hambatan yang harus ditempuh terhadap pola komunikasi bagi santri putri Pondok Pesantren Nurul Huda NU Pesanggrahan di lingkungan pesantren terhadap budaya yang ada. Pendekatan yang peneliti angkat yaitu menggunakan pendekatan penelitian kualitatif dengan studi lapangan (field research). Dengan meggunakan metode penelitian deskriptif. Hasil Penelitian yang dilakukan menunjukkan bahwasannya santri putri di Pondok Pesantren melakukan pembelajaran mengenai bahasa komunikasi baik verbal maupun non verbal atau dialek yang baik melalui teman dekat di pondok dengan penyesuaian pola komunikasi antarbudaya melalui bahasa dari santri putri yang berbeda daerah dan beradaptasi dengan bahasa sesuai batasan agar komunikasi antarbudaya terjalin dengan efektif yang berlaku di lingkungan Pondok Pesantren Nurul Huda NU Pesanggrahan. Disamping itu adanya perbedaan bahasa atau dialek sebagai faktor yang utamaSantri Putri di Pondok Pesantren Nurul Huda NU Pesanggrahan yaitu faktor bahasa (komunikasi) dan faktor pergaulan. Faktor-faktor penyebab perbedaan bahasa atau dialek Santri Putri di Pondok Pesantren Nurul Huda NU Pesanggrahan, meliputi: (1) Bahasa (komunikasi) yang berbeda dari daerah asal santri putri sehingga menimbulkan tidak pahamnya apa yang di maksud; (2) Pergaulan yang kurang cocok dari asal daerah santri putri sehingga menjadikan kesenjangan dalam berkomunikasi sehari – hari terhambat.