Digital Wallet Ecosystem in Promoting Financial Inclusion

Digital wallet is expanding largely driven by the evolution of internet and smartphone penetration. Numerous digital wallet providers have risen in many countries including Brunei Darussalam. However, the level of adoption is still low, and cashless society is still far from an expected target. There's no magic formula in deploying a guaranteed successful digital wallet, but developing a digital wallet ecosystem that is tailored to the local markets will be expected to increase digital culture and cashless society. The research assesses the existing digital wallet ecosystem, then analyses the extent of compatibility of local market demand. Furthermore, it introduces an improved digital wallet ecosystem model in order to support financial inclusion achieved through a holistic digital wallet ecosystem. The chapter also examines external factors that contribute to the digital wallet ecosystem's width of usage.

Detection of microbial contamination in chicken meat from local markets in Surabaya, East Java, Indonesia

Background and Aim: Chicken meat can be contaminated by microorganisms anywhere in the supply chain, from farm to market, and these microorganisms can be transmitted to humans through direct contact, contact with the environment, and food consumption. The microbial contamination has a serious impact on public health. This study aimed to analyze the microbial contamination of chicken meat sampled from local markets in Surabaya, East Java, Indonesia. Materials and Methods: A total of 60 samples of fresh chicken meat obtained from 10 traditional markets (six samples per market) were examined for the presence of bacteria. Staphylococcus aureus, Salmonella spp., and Escherichia coli were identified using Gram staining, culturing, and biochemical tests. The most probable number (MPN) method was used to identify E. coli. Results: Most chicken meat samples were positive for S. aureus (58.3%), Salmonella spp. (48.3%), and E. coli (40%). The samples were considered positive for E. coli if the MPN value was higher than 1×101 CFU/g. Conclusion: High microbial contamination was found in all the chicken meat sampled from local markets in Surabaya. Such contamination can lead to foodborne diseases so, proper hygiene and sanitation standards should be followed from slaughterhouses to the end-users.

Registration of Off-Road Practices as Intangible Heritage and Implementation of the Off-Road Ecomuseum in Nova Lima, Minas Gerais

The project for Registration of off-road practices as intangible heritage and implementation of the Off-Road Ecomuseum in Nova Lima is a popular initiative that seeks to safeguard tradition and the benefits generated by off-road practices on the city's trails. This is a pioneer initiative in the country and has a multidisciplinary character, as it involves three major areas: sport, culture and tourism. From the first indigenous occupations in Minas Gerais, through pioneers, pathfinders, drovers, rural producers who transported their items for sale and to local markets to the present day, the trails of Nova Lima are traveled by sportsmen and tourists. Thus, the aim is to use the trails from their conception as places of memory Keywords: Ecomuseum, culture, tourism, ecotourism, territory.

The Investigation of Mycotoxins and Enterobacteriaceae of Cereal-Based Baby Foods Marketed in Turkey

In this study, a total of 85 cereal-based baby foods with or without milk (four different brands; A, B, C, and D) collected from Ankara local markets, Turkey were analyzed for mycotoxins, total aerobic mesophilic bacteria (TAMB), and Enterobacteriaceae contamination. Baby foods were analyzed for 12 toxicological important mycotoxins such as aflatoxin B1, B2, G1, and G2; fumonisin B1 and B2; ochratoxin A; sterigmatocystin (STE); deoxynivalenol (DON); zearalenone (ZON); and T-2 toxin and HT-2 toxin by LC-MS/MS multi-mycotoxin method. In addition to these mycotoxins, the presence of aflatoxin M1 (AFM1) was investigated in baby foods containing milk. The classical culture method was used for microbiological analysis. Consequently, at least one mycotoxin was detected in 69.41% of the total samples. The most frequently detected mycotoxins were STE (34.12%) and HT-2 (34.12%). However, AFM1 was not detected in any of the baby foods containing milk. Also, TAMB and Enterobacteriaceae were isolated from 30.59% and 10.59% of samples, respectively. As a result, it was determined that the mycotoxin levels in the analyzed samples were in accordance with the mycotoxin levels specified in the Turkish Food Codex.

Farmers' Sources and Varieties of Cassava Planting Materials in Coastal Kenya

Cassava (Manihot esculenta Crantz) grows in diverse agro-ecological zones. In Kenya, it is widely cultivated in Western and Coastal regions. It is mainly grown for food and nutrition security and excess roots are sold to generate income for the farm households. Its productivity per unit of the land area is high compared to maize and wheat which are staple crops in the country. However, scarcity of cassava planting materials and pests and diseases limit production in these regions. This study aimed at revealing the sources and varieties of cassava planting materials used by farmers and other farmers' practices in coastal Kenya. Four focus group discussions (FGD) and a survey were conducted in 2018, using a semi-structured questionnaire targeting 250 farmers. The data collected on the sources of planting materials, preferred varieties and the practices employed by the farmers in cassava production, was analyzed using descriptive statistics. Majority of farmers (83%) interviewed indicated that they recycled planting materials from the previous crop while some 67% respondents obtained the planting material from their neighbors. Kenya Agricultural and Livestock Research Organization's (KALRO) and the local markets were reported as sources of planting materials by 11 and 5% farmer respondents, respectively. The only formal seed source reported was KALRO. The rest, own seed, neighbors, and the local markets, were informal seed sources. Piecemeal harvesting practiced by 98% of the farmers favored planting material recycling. Farmers dedicated a small proportion of their land (mean 0.2 ha) to cassava production as reported by 60 and 72.8% of farmers from Taita Taveta and Kilifi, respectively. Slightly above half (56%) of the farmers in Kilifi dedicated slightly more land to cassava, planting between 100 and 4,000 cuttings (2.5% of an acre up to a full acre) compared to 87% farmers from Taita Taveta who planted 100 cuttings or less (which is about 2.5% of an acre or less). A majority (81.1%) of farmers in Taita Taveta planted local cassava varieties compared to Kilifi's 57.8%. Slightly above half of the farmer respondents reported Kibandameno as the preferred variety followed by Tajirika as the second preferred variety as reported by 18% farmers. Kibandameno was preferred for its sweet taste by 75.6% farmers while Tajirika was preferred by 52.4% farmers because of the high yielding capacity. Nearly all farmer respondents, in Taita Taveta County obtained the planting material from informal seed sources, except a negligible number, who reported buying their planting material from KALRO, a formal seed source, far from their locality. Farmers sourcing cuttings from a formal seed source such as those from Kilifi County were more likely to use a tractor for land preparation compared to those who sourced planting materials informally who more likely had scarce knowledge on cassava production and the value of cassava. Therefore, interventions to establish a sustainable healthy cassava planting materials seed system are needed to address the systemic constraint and help develop a viable cassava value chain.