Does financial literacy inevitably lead to access to finance services? Evidence from rural Ghana

ABSTRACT: This study examined the determinants of financial literacy (FL) and its impact on access to financial services (AFS), using data collected from rural Ghana. A two-stage residual inclusion model is utilized to address the selection bias issue. The results showed that FL is affected by household heads’ age, gender, education, asset ownership, homeownership, and economics education. The results revealed that FL is significant and positively related to AFS, but its square shows an inverse relation with saving mobilization. This indicated a non-linear relationship between FL and AFS. Moreover, we find that FL has a larger AFS impact for households with high-income and male household heads relative to their counterparts. The study recommended that the government can initiate the creation of a rural committee to educate rural residents on financial issues through radio broadcasting and meetings. Our findings highlighted the importance of FL on AFS in enhancing the welfare of rural households.

Experimental Research of Modulation-Coding Schemes Influence on Size of the DRM Digital Radio Broadcasting Service Area in the VHF Band. Part 2

The article presents the results of measurements of the parameters of the digital radio broadcasting DRM signal quality in the experimental zone of St. Petersburg in order to determine the influence of the transmission modes laid down in the DRM standard on the size of the service area.

The Role of Akashvani Kozhikode in the Radio Broadcasting History of Kerala with Emphasis on the Contributions of Khan Kavil

The study examines the history of radio broadcasting in Kerala from the 1940s to the 21st century, focusing on the contributions of Akashvani Kozhikode. An attempt is made to search the social and cultural history of Akashvani Kozhikode and find out the contemporary relevance of Kozhikode station. The study's primary aim is to delve into the life history of Khan Kavil, who was an anchor, drama writer, actor, drama director, and broadcasting artist. Khan Kavil, born in a small village named Kavumthara in Kerala, was a voice artist who worked in Akashvani Kozhikode from 1978 to 1997 and carved a niche with his dynamic voice in the realm of radio broadcasting in Kerala. The study is trying to identify his contributions to the Akashvani Kozhikode and society. His life and contributions are recollected through popular memories, and an attempt is made to write a local and oral history based on this data gathered through the conversations with the eminent personalities of Khan Kavil's time who admired him and his colleagues. Further, the paper attempts to trace out why radio broadcasting still has a significant impact on ordinary people despite the advent of new forms of media. Magazines, newspapers, brochures, and interviews are used as the primary sources of this study.

THE MANAGEMENT OF AGITATION AND PROPAGANDA ACTIVITIES IN IZMAIL REGION UkrSSR IN 1944–1945

The work aims to study the formation of a system of ideological influence on the Izmail region’s population in 1944–1945. Based on archival sources and materials of the regional press, the tasks of agitation and propaganda activities, the general forms and methods used by the Communist Party to spread ideology among the population of the annexed region were revealed. The author paid particular attention to determining the role of the regional party leadership in managing and conducting agitation and propaganda. The methodology. The study is based on the principles of historicism, scientificity, objectivity, systematics, specificity, and reliance on historical sources. With the aid of the historical-typological method, it was possible to determine the main tasks, forms, and methods of agitation and propaganda. The historical-comparative method opens the way to reveal the peculiarities of ideological work with various categories of the citizens and to determine the specific features of the Communist Party’s agitation and propaganda activities in the Izmail region. The application of historical-systemic and historical-genetic methods contributed to the consideration of various measures to ideologize the population in co-relation, to identify the causal links between the methods and results of propaganda policy. The scientific novelty. For the first time, a comprehensive analysis of agitation and propaganda activities in the Izmail region after the territory was returned to the USSR has been carried out. The conclusions. The analysis of the party documentation of the Izmail regional committee of the Communist Party gives reason to assume that immediately after the region returned to the USSR, the Soviet leadership launched active information and propaganda activities among the population. During 1944–1945, a network of agitation teams, groups of lecturers and speakers was formed to spread communist ideology among various segments of the population, a system of party propaganda bodies was created, events to celebrate new Soviet holidays were organized, and radio broadcasting and adaptation for the cinema were organized. The media, cultural and educational institutions, Komsomol organizations, and pioneers played a significant role in propaganda activities. Propaganda and agitation departments established at the region, city, and district committees of the Communist Party were constantly monitoring the ideological activity progress.

Applying Infinite Petri Nets to the Cybersecurity of Intelligent Networks, Grids and Clouds

Correctness of networking protocols represents the principal requirement of cybersecurity. Correctness of protocols is established via the procedures of their verification. A classical communication system includes a pair of interacting systems. Recent developments of computing and communication grids for radio broadcasting, cellular networks, communication subsystems of supercomputers, specialized grids for numerical methods and networks on chips require verification of protocols for any number of devices. For analysis of computing and communication grid structures, a new class of infinite Petri nets has been introduced and studied for more than 10 years. Infinite Petri nets were also applied for simulating cellular automata. Rectangular, triangular and hexagonal grids on plane, hyper cube and hyper torus in multidimensional space have been considered. Composing and solving in parametric form infinite Diophantine systems of linear equations allowed us to prove the protocol properties for any grid size and any number of dimensions. Software generators of infinite Petri net models have been developed. Special classes of graphs, such as a graph of packet transmission directions and a graph of blockings, have been introduced and studied. Complex deadlocks have been revealed and classified. In the present paper, infinite Petri nets are divided into two following kinds: a single infinite construct and an infinite set of constructs of specified size (and number of dimensions). Finally, the paper discusses possible future work directions.

AN IMMORTAL POEM IN THE WORKS OF UKRAINIAN ARTISTS

For the first time, the article highlights the continued interest of researchers and artists in the memorial of ancient Russian literature of the end of the 12th century, "The Tale of Igor’s Campaign" at the present stage. The peculiarities of the decoration of editions dedicated to the poem performed by domestic artists in the second half of XX — beginning of XXI centuries are investigated. The pearl of ancient Russian literature of the end of the XII century, «The Tale of Igor’s Campaign» does not leave many generations of its admirers indifferent. The 200 th anniversary of the release of the monument of Ukrainian culture has passed, and the interest in the «The Tale of Igor’s Campaign» has not subsided. The magic of this work continues to attract new researchers and artists. Anniversary dates helped to increase interest in the landmark. On the occasion of the 150 th anniversary of the first printing of the poem, J. Hnizdovsky in New York illustrated and artfully decorated the anniversary edition. A quarter of a century the design and illustrations for the poem were performed by Kyiv’s I. Selivanov. G. Yakutovich’s editions, created in the Dnipro publishing house as souvenirs, look like real masterpieces. The engravings of G. Yakutovich were already heard in another edition of «The Tale of Igor’s Campaign», which came out of print in the Kiev publishing house Veselka in 2008. In 1989, the publishing house «Soviet School» published a thorough edition of «The Tale of Igor’s Campaign», illustrations, layout and decoration of which were made by V. Lopata, and the editing and notes by O. Mishanych. The artist’s works are multifaceted in composition and imbued with special drama and symbolism with expression. Equally interesting was the 2015 edition, commissioned by the State Committee for Television and Radio Broadcasting of Ukraine under the Ukrainian Book program. Particularly noteworthy are the graphic works by V. Yefimov from Odessa and M. Bondarenko from Sumy region, who embodied their preferences and unique manners in the work on the poem.

Improved Efficiency of Data Transmission in Wireless Communication Systems with Orthogonal Frequency Multiplexing

The active introduction of Orthogonal Frequency Division Multiplexing (OFDM) technology is now beginning to be widely used in wireless transmission systems, television, radio communication, and radio broadcasting. The efficiency of using a dedicated frequency band at a constant high transmission rate allows you to combat interference arising from the transmission of a useful information on the radio channel. A method of improving quality of information transmission in communication systems with orthogonal frequency multiplexing is described. It is shown that with an increase in the number of receiving and transmitting antennas, the noise immunity increases significantly. An experiment was carried out to change the number of receiving-transmitting antennas and the signal-to-noise ratio, and the dependence of the appearance of an error on the number of transmitting antennas was obtained. The work investigated the software model of MIMO OFDM (modulators and demodulators). As a result of the analysis, the dependence of the appearance of the error frequency on the probability of the error was obtained. This showed that the use of OFDM and MIMO places increased demands on channel estimation.

On the modern Russian online radio broadcasting

The subject of this research is broadcasting in the modern digital age. The object is the modern Russian online radio broadcasting. The goal lies in examination of the role of online radio broadcasting in the modern Russian digital space. The author aims to trace the dynamics of the development of online radio broadcasting in Russia and abroad, summarize the conclusions of the Russian researchers on the development trends of online radio broadcasting in Russia for the past decade, analyze the current state of Russian online radio broadcasting with its positive and negative sides, make recommendation for optimization of the study of Russian online radio broadcasting. The novelty of this article lies in the analysis of evolution of the Russian online radio broadcasting in the context of modern trends of the Russian and US information space. The conclusion is made that online radio broadcasting occupies a special niche within the global and Russian digital information space for the two decades of the XXI century. The dynamically developing information technologies enhance the convergent nature of this type of media, contributing to its penetration into modern social networks through mobile telephony. The US statistical data indicate testify to the growing popularity of online radio broadcasting in the United States. Various Russian data indicate a decline in the popularity of radio broadcasting overall, but rise of popularity of online radio broadcasting among certain segments of the Russian audience. The Russian academic community should increase cooperation with the media research centers to arrange consistent sources of statistical information for optimization of the study of online radio broadcasting in Russia.