Application of Artificial Intelligence Technology Optimized by Deep Learning to Rural Financial Development and Rural Governance

The aim of this article is to promote the development of rural finance and the further informatization of rural banks. Based on DL (deep learning) and artificial intelligence technology, data pre-processing and feature selection are conducted on the customer information of rural banks in a certain region, including the historical deposit and loan, transaction record, and credit information. Besides, four DL models are proposed with a precision of more than 87% by test to improve the simulation effect and explore the application of DL. The BLSTM-CNN (Bi-directional Long Short-Term Memory-Convolutional Neural Network) model with a precision of 95.8%, which integrates RNN (Recurrent Neural Network) and CNN (Convolutional Neural Network) in parallel, solves the shortcomings of RNN and CNN separately. The research result can provide a more reasonable prediction model for rural banks, and ideas for the development of rural informatization and promoting rural governance.

The Moderating Role of Return on Assets on Sharia Stock Returns: A Case Study on the Jakarta Islamic Index

This research aims to analyze the impact of Debt to Equity Ratio (DER), Exchange Value, and Index ISR in Sharia Stock Return pass of Return on Asset (ROA) in a company administered in the Jakarta Islamic Index 2013-2017 period. This sample choosing with the purposive sampling method with the total sample as 29 from 30 companies. The data used in this study is the secondary data, and data analysis used is the multiple linear regression analysis and path analysis. The research result indicates that experiment T Debt to Equity Ratio (DER) and Index ISR are not influential in Stock Return. Exchange Value and Return on Asset (ROA) significance of Stock Return. Debt to Equity Ratio (DER) and Index ISR influence Return on Asset (ROA). At the same time, Exchange Value is not influential with Return on Asset. Experiment F refers that DER, Exchange Value, and Index ISR influence Return on Asset and Stock Return. However, ROA cannot mediate the relation between DER, Exchange Value, and Index ISR in Stock Return.

Factors Affecting Customer Loyalty in The Dive Tourism Industry in Indonesia

Diving Industry in Indonesia has huge potential needs to be managed properly in order to carrying out the concept of green tourism, but it has not been supported by the optimal performance of dive centers. That is marked by the low level of loyalty of diving tourism consumers. The purpose of this research is to analyze the effect of Green Marketing and Service Quality to Customer Satisfaction and Customer Loyalty of Diving Tourism Customer. Research Method used in this research is descriptive analysis with research design used is explanatory design. The research object is 12 (twelve) dive centers is spread on Three provinces in Indonesia. Analysis unit are experience and certified divers with total 200 respondents. Each sample from dive center is chosen proportionally. Technic Sampling is judgment sampling. The tool analysis used is statistic descriptive supported by SPSS software and statistic inferential supported by software of Lisrel Version 8,80. The research result described that practiced of green marketing, service quality have positif impact on Customer satisfantion and Customer loyalty of divers although there are still indicators that are indicating low impact. The results of the causality study state that : a) Green marketing has no significant affect on customer loyalty, b) Green marketing has significant affect on satisfaction, c) The service quality has no significant affect on customer satisfaction,d) The quality of service has no significant affect on customer loyalty, e) The customer satisfaction has significant affect on customer loyalty. Keyword: Green Marketing, Service Quality, Satisfaction, Loyalty, Dive Tourism,Indonesia

Elixirs of Life, threats to Human and Environmental Well-being: Assessment of Antibiotic Residues in Raw Meat Sold Within Central Market Kaduna Metropolis, Kaduna State, Nigeria

Antibiotics, which are commonly used to treat human illnesses, are also used in animals for therapy, prophylaxis, and growth promotion. Sub-therapeutic antibiotic doses have typically been utilized for the last-mentioned purpose, which has contributed to resistance development. According to scientific data, certain antibiotic applications in food-producing animals can result in antibiotic resistance in intestinal bacteria, which can then be passed to the general population, causing treatment-resistant sickness. These antibiotic applications can also result in antibiotic resistance in non-pathogenic bacteria, whose resistance genes can be passed to disease-causing bacteria, resulting in antibiotic-resistant illnesses in people. Thus, this study assessed the antibiotics residues in raw meat sold in 6 slaughter houses in Kaduna State. The study is a descriptive cross-sectional study involving 6 slaughter houses in Central market Kaduna. Muscle, Kidney and liver samples were collected from each slaughterhouse. The antibiotic residues in the meat samples were analyzed using high performance liquid chromatography (HPLC) for tetracycline, ciprofloxacin and oxytetracycline residue results were presented in charts and tables. 18 different samples of beef (6 Muscles, 6 Liver and 6 Kidney) collected from abattoirs and meat vendors, the results shown that all beefs use three or more antimicrobial drugs. This research result revealed that 4(67%) tetracycline (oxytetracycline)were detected in meat samples at higher concentration), Oxytetraxycline (352.88, 221.58) of muscles is higher than (332.2, 217.05 of Liver and (263.33, 153.98) of Kidney is lower to muscles and liver. The Concentration of oxytetracycline were highest in muscles in samples 2. 3 and 6 which is above the WHO maximum residual limit. The concentration of streptomycin in the muscle, liver and kidney were detected (182.78, 56.23), (169.2, 58.39), (155.1, 50.20) but were within WHO Maximum residual limit. These high level of oxytetracycline residues in greater proportion of muscle samples destined for human consumption beyond MRLs could be as a result of the abuse of veterinary drugs as commonly practiced among livestock producers and vendors without observing withdrawal period prior to slaughter. The high-contamination rate of beef meat in the study areas is likely that consumers experience a high risk of exposure to drug residues.

Influence of Teaching Reading Islamic Narrative Stories toward Students’ Social Behavior

In this millennium era, Indonesia faced moral crisis within the school or outside the school. They are accustomed to do bad behavior due to spiritual lack. Spiritual crisis happened because they were not given enough lessons about religion. However, teachers must provide good learning materials, so that the students can change their behavior. Even when teachers/lecturers teach English they must include religious knowledge in their teachings. Such as reading moral stories, giving good advices to students, telling about prophet stories, etc. Reading or telling story can affect moral, as the study held by Dr. Kang Lee and Colleagues that was recently published in the article ”Can Classic Moral Stories Promote Honesty in Children”. In that case, the researcher should study “The Influence of Teaching Reading Islamic Narrative Stories Toward Students’ Social Behavior”. There are two research problems in this study. The first, is there any influence of using Reading Islamic Narrative Stories towards Social Behavior in intensive class IV semester IDIA Al-Amien Prenduan? The second, how significance does using Reading Islamic Narrative Stories towards Social Behavior in intensive class semester IV IDIA Al-Amien Prenduan? The research population of this study is the students of the intensive class IV semester IDIA Al-Amien Prenduan, they are 19 students. The main instrument used in this research is test, and the supporting instruments are observation and documentation. The tests were divided into pre-test and post-test. Since this study is quantitative, the researcher used statistical analysis as data analysis. The statistical formula which was used was t-test which was suitable with the research design, and it is one group pretest-posttest design. The research result shows that using Reading Islamic Narrative Stories towards Social Attitude in intensive class semester IV IDIA Al-Amien Prenduan with significance.

Research overview on training progress for high school teachers

Pedagogy training is a fundamental programme that should be conducted regularly, especially in the context of reforming the general Vietnam education recently. The research objective aims to classify the development process of training activities for high school teachers. The research methodology is based on the historical and comparative approaches to present the maturing process of teaching apprentices for the high school workforce. The research result reveals that although the training activities for high school teachers have been in many countries’ consideration for a long time within the innovation of education and society, there is a shortage of in-depth studies for this topic as well as professional capacity building management in the Vietnamese teaching labour today.

Impacts Of Environment On Building Construction Projects On Woliata Sodo Town

The environmental impacts have become a series of problems in today’s construction environments. Environmental conditions can have an adverse impact on the duration, cost, and quality of construction activities. This study is conducted to describe and point out the impact of the environment on building construction projects in sodo town. The contractor can estimate the Productivity loss due to the impact of environment on construction activity can be either partial or complete: partial loss is generally attributed to reduced labor productivity and work stoppage which interrupt those activities. This study organized by using questioners. The research basically focused on identifying and quantifying different environmental impacts that can affect the construction progresses. As the research result the escalation of construction material price, the availability of construction materials around the area and the involvement of different construction parties and the climatic condition of the environments are the main findings that we have got from our analysis. Generally, this research guides to meet future demands for sustainable environmental development, economic development, expansion of different construction infrastructure for sodo town. Many contractors found in this area fall over different environmental challenges. So to overcome these problems, are some requirements expected from different parties. To minimize those environmental impacts the construction parties should make a detail feasible study about the overall environmental conditions of sodo town before they decided to start up any construction works.

PROGRAM APLIKASI PENGELOLAAN KAS MENGGUNAKAN MICROSOFT VISUAL BASIC 2015 PADA MASJID AL JIHAD BANJARMASIN

Research purposes. This study aims to determine the proper cash management at Al Jihad Mosque, and to produce a computer-based Cash Management Application Program using Microsoft Visual Basic 2015 as the Front End, and Sql Server 2014 as a back end at the Al Jihad Mosque in Banjarmasin. Theoretical thinking framework. In this study the theoretical framework is analyzing the cash management that runs on the Al Jihad Mosque in Banjarmasin, by analyzing the information needed by management, related functions, accounting documents and records used, and flowcharts. The application program that was developed in the first step was carried out with relations between tables, designing interfaces, and designing outputs. Research result. The results of this study concluded that all cash records are semi-computerized. However, the author recommends using Microsoft Visual Basic 2015 as a Front End, and Sql Server 2014 as a back end so that it can help Al Jihad Mosque to record cash receipts and disbursements quickly and precisely.

Tax Avoidance Perusahaan Perbankan

There were many unconsistent research result about “what and how” tax avoidance’s influencers. This study aims to determine the factors that influence the tax avoidance of banking companies listed on the Indonesia Stock Exchange (IDX) in the 2016-2018 period. The research population consisted of 26 Food and Beverage Companies listed on the IDX, with 9 companies that successfully sampled and meet the criteria. Cross section data is used in this research. The data analysis techniques used multiple regression analysis, simultaneous test, coefficient of determination test, and partial test. The results of the study state that profitability as measured by ROA has a significant effect on tax avoidance in the banking industry on the Indonesia Stock Exchange for the 2016-2018 period. Leverage as measured by DER has a significant effect on tax avoidance in the banking industry on the Indonesia Stock Exchange for the 2016-2018 period. Profitability (ROA) and leverage (DER) simultaneously have a significant effect on tax avoidance in the banking industry on the Indonesia Stock Exchange for the 2016-2018 period.

Compare Among Methods for Re-Habitation Damaged Concrete Beams-Ferrocement, Steel, FCRP and Nano-Materials Sections

The complicated and costly of concrete structures as well as the exposure to risk, owing to several factors such as ecological, design and construction, has resulted in a wide variety of methods for residential concrete structures, such as ferrocement sections technology, steel section technology, FCRP technology, and nano-material technologies. In this article the four approaches employed for rehabilitation of damaged concrete were compared. The questionnaire is given to 100 construction engineers and project management professionals to determine their preferred methods and advise them on their strength, effort, time and cost. To confirm the results, the researcher conducted an experiment to compare among these methods. research result, recommendations for future research, and conclusions were discussed in detail.