PENGARUH KREDIT SIMPAN PINJAM DAN LIKUIDITAS TERHADAP SISA HASIL USAHA PADA KOPERASI SIMPAN PINJAM BALI SINAR PANDAWA

The purpose of this study was to determine the effect of savings and credit loans and current ratio on the Time Result Operational Results (SHU) partially and simultaneously at the Bali Sinar Pandawa Cooperative, Sukawati Gianyar-Bali. The sampling method used in this study is saturated sampling. The number of samples in this study is 7 years of research data on credit loans, current ratio and Time Result Results (SHU). Data analysis techniques used include: Classic assumption test, multiple linear regression analysis, coefficient of determination analysis (adjusted R2), t test and F test and the data is processed using SPSS version 25.0 for windows. The results of the analysis show that savings and loan loans and the current ratio have a significant effect simultaneously on the Time Result Operating Results (SHU). Savings and loan variable and current ratio have a positive and partially significant effect on the Time Result Operating Results (SHU).

Navigating the New Normal: An S-O-R Perspective on Student Experiences of Environmental, Psychological, and Behavioral Changes During the COVID-19 Pandemic

Although higher education has weathered many past challenges, none can compare with the magnitude and velocity of the coronavirus disease 2019 (COVID-19) pandemic. Although students continued their academic careers despite hardships, as yet little is known about how they experienced and adapted to various pandemic-induced changes to their academic and personal lives. We address this gap through a qualitative exploration of student experiences of navigating the new normal which they were abruptly thrust into near the end of the Spring 2020 semester. Using a guided introspection methodology and a Stimulus-Organism-Response (S-O-R) framework, we unearth a dynamic process of psychological and behavioral changes that students experienced in response to the environmental changes brought about by the pandemic. We theorize that environmental dissolution and displacement trigger psychological reorientation, causing students to undertake behavioral practices of restructuration and reconfiguration that, over time, result in a degree of psychological revaluation. Our overall framework represents a fluid conceptualization that is not only more descriptive of real-world student progress but also more parsimonious in its account of key dimensions of student experience during the pandemic. We conclude by noting the implications of our framework for marketing educators and administrators, especially given the growing popularity of remote working.

A de-Sitter weak gravity conjecture

The study of de-Sitter Reissner–Nordstrøm black holes allows us to uncover a Weak Gravity Conjecture in de-Sitter space. It states that for a given mass [Formula: see text] there should be a state with a charge [Formula: see text] bigger than a minimal value [Formula: see text], depending on the mass and the de-Sitter radius [Formula: see text], in Planck units. This reproduces the well-known flat space–time result [Formula: see text] in the large radius limit (large [Formula: see text]). In the highly curved de-Sitter space, ([Formula: see text]) [Formula: see text] behaves as [Formula: see text]. Finally, we discuss the case of backgrounds from gauged R-symmetry in [Formula: see text] supergravity. This paper is based on [I. Antoniadis and K. Benakli, Fortsch. Phys. 68, 2000054 (2020), arXiv:2006.12512 [hep-th]].

The K-property for some unique equilibrium states in flows and homeomorphisms

We set out some general criteria to prove the K-property, refining the assumptions used in an earlier paper for the flow case, and introducing the analogous discrete-time result. We also introduce one-sided $\lambda $ -decompositions, as well as multiple techniques for checking the pressure gap required to show the K-property. We apply our results to the family of Mañé diffeomorphisms and the Katok map. Our argument builds on the orbit decomposition theory of Climenhaga and Thompson.

Characterization and origin of the Mn-rich patinas formed on Lunéville château sandstones

The formation of iron- and/or manganese-rich dark patinas on sandstones is a common natural phenomenon that occurs also on building stones. Lunéville château, in eastern France, presents such patinas that developed either under natural conditions (rain and time) or after an accidental fire and exposure to significant amounts of water as part of attempts to extinguish the fire. The present study aimed at characterizing both types of patinas in an effort to determine their formation mechanisms and Mn sources. In both cases, Mn required for patina formation likely derives from the reductive dissolution of Mn-rich minerals present in pristine sandstones, as suggested by the contrasting mineralogy and chemistry of Mn-rich phases present in the bulk and in the patina of a given building block. Reduced Mn species then migrate to the exposed surface of building blocks where they are re-oxidized via undetermined processes. Patinas developing “naturally” over time result from the alternation of wetting-reducing and drying-oxidizing cycles and appear to be composed of birnessite. Patinas formed after the 2003 fire result from this single accidental event and form a much thinner, heterogeneous, and discontinuous layer of poorly crystalline lithiophorite at the sandstone surface (∼ 0–150 µm compared to ∼ 300–600 µm for “natural” patinas). The lack of Mn-rich patinas on areas of Lunéville château is likely related to the lower Mn content of pristine sandstone blocks.

The The Effect of Elution Volume for Immunoprecipitation on m6A-Seq Analysis

Objective: To develop a cost-effective method to reduce the time consumption of elution in immunoprecipitation. Method: Two volumes (125 ?L for Group C and 100 ?L for Group T) of elution buffer were used to explore whether smaller volume could save testing time. Result: Time consumption of elution in Group T was significantly shorter than that in Group C, while the efficiency of eluted m6A-containing fragments and the performance of m6A-Seq as indicated by m6A peak distributions showed no difference between the two groups. Conclusion: A smaller volume of elution buffer was an economical way to reduce time consumption in immunoprecipitation.

Is it gamification a tool used for training spanish future teachers? A systematic review of the literature

ABSTRACT This article explores gamification in the field of teaching with the aim of finding out its impact on students of educational sciences in Spain. A systematic review of the literature on gamification in educational studies has been carried out. For this purpose, the bibliographic search engine "Google Scholar" was used, introducing the keywords " Gamificación (gamification)" and "Magisterio (teacher training)", with a result of 105 articles written in Spanish, which have been refined to ensure systematicity resulting in a final sample of 6 articles. The results highlight the effectiveness of gamification as a motivating element for learning in these studies, and the presence of didactics´ departments as the main users of those methodologies. However, at the same time, result shown important gaps regarded student’s perception about the possible impacts of gamification in their future development as teachers. RESUMEN Este artículo explora la gamificación en el ámbito de la enseñanza con el objetivo de conocer su impacto en los estudiantes de ciencias de la educación en España. Se ha realizado una revisión sistemática de la literatura sobre gamificación en los estudios educativos. Para ello se ha utilizado el buscador bibliográfico "Google Scholar", introduciendo las palabras clave "Gamificación" y "Magisterio", con un resultado de 105 artículos escritos en español, que han sido depurados para garantizar la sistematicidad dando lugar a una muestra final de 6 artículos. Los resultados destacan la eficacia de la gamificación como elemento motivador del aprendizaje en estos estudios, y la presencia de los departamentos de didáctica como principales usuarios de dichas metodologías. Sin embargo, al mismo tiempo, los resultados muestran importantes lagunas en cuanto a la percepción de los estudiantes sobre los posibles impactos de la gamificación en su futuro desarrollo como docentes.

Kernel-based Methods for Bandit Convex Optimization

We consider the adversarial convex bandit problem and we build the first poly( T )-time algorithm with poly( n ) √ T -regret for this problem. To do so, we introduce three new ideas in the derivative-free optimization literature: (i) kernel methods, (ii) a generalization of Bernoulli convolutions, and (iii) a new annealing schedule for exponential weights (with increasing learning rate). The basic version of our algorithm achieves Õ( n 9.5 √ T )-regret, and we show that a simple variant of this algorithm can be run in poly( n log ( T ))-time per step (for polytopes with polynomially many constraints) at the cost of an additional poly( n ) T o(1) factor in the regret. These results improve upon the Õ( n 11 √ T -regret and exp (poly( T ))-time result of the first two authors and the log ( T ) poly( n ) √ T -regret and log( T ) poly( n ) -time result of Hazan and Li. Furthermore, we conjecture that another variant of the algorithm could achieve Õ( n 1.5 √ T )-regret, and moreover that this regret is unimprovable (the current best lower bound being Ω ( n √ T ) and it is achieved with linear functions). For the simpler situation of zeroth order stochastic convex optimization this corresponds to the conjecture that the optimal query complexity is of order n 3 / ɛ 2 .

Parametric study of glycerol and contaminants removal from biodiesel through solvent-aided crystallization

At present, biodiesel is known as an alternative fuel globally. It is also known that the purification of biodiesel before consumption is mandatory to comply with international standards. Commonly, purification using water washing generates a massive amount of wastewater with a high content of organic compounds that can harm the environment. Therefore, this study applied and tested a waterless method, i.e., the solvent-aided crystallization (SAC), to remove glycerol and other traces of impurities in the crude biodiesel. The parameters of coolant temperature, crystallization time, and stirring rate on the SAC system were investigated. It was discovered that with 14 °C coolant temperature, 300 RPM and higher cooling time result in the highest percentage of FAME up to 99.54%, which indicates that contaminants' presence is limited in the purified biodiesel. The use of 1-butanol as the solvent for crystallization process remarkably enhanced the separation and improved the higher biodiesel quality.