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Putri Pebrian; Windhu Nugroho; Agus Winarno; Shalaho Dina Devy; Albertus Juvensius Pontus

Konstruksi: Publikasi Ilmu Teknik, Perencanaan Tata Ruang dan Teknik Sipil 2024 Asosiasi Riset Ilmu Teknik Indonesia

Soil is an important component in the natural environment which has an important role in supporting human life and the ecosystem as a whole. One key aspect of soil properties is its erodibility, which determines how susceptible the soil is to erosion. This research aims to assess the level of soil erodibility in the disposal area, which is the location where overburden is deposited in coal mines. Soil erodibility is influenced by a number of factors, including texture, structure, organic matter content, and soil permeability. Laboratory analysis methods are used to measure soil erodibility from samples taken from the disposal area. The results of this research provide a deeper understanding of the potential for erosion in disposal areas and provide a basis for the development of effective erosion control strategies to minimize environmental and mine operational impacts. These findings are important for the coal mining industry in managing the environment sustainably and ensuring the continuity of their operations.    

Ahmad Dhiyaur Rahman; Totok Yulianto; Titin Sundari; Meriana Wahyu Nugroho

Konstruksi: Publikasi Ilmu Teknik, Perencanaan Tata Ruang dan Teknik Sipil 2024 Asosiasi Riset Ilmu Teknik Indonesia

Infrastructure development in Jombang Regency has increased, after the city returned to normal from the Covid outbreak over time. The natural gem subsidized housing project was built on an area of ​​7,410 m2. This landed house was built with Type 30/60 with a total of 71 housing units. This project was built by PT SAMI KARYA. In this research, data collection was obtained from developers such as weekly reports, daily reports, work schedules, RAB, and actual costs. In 2023, demand for houses in Jombang Regency will increase drastically because there are still many people who need a place to live. The methods used are Return of investment, Internal rate of return and Benefit cost ratio. The ROI calculation method is concluded to be still in profitable status as a long-term investment and can be used to invest in subsidized housing development projects with an ROI value above 16.19% as a return on investment parameter, but after carrying out a trial calculation, a profit value of 389 is obtained. % and of course achieve, even exceed the target.

Miksusanti Miksusanti; Azhar Kholiq; Aldes Lesbani; Endri Junaidi; Risfidian Mohadi +3 more

Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia 2024 Fakultas Teknik Universitas Maritim AMNI Semarang

A community service scheme for implementing science and technology has been carried out from Srwiijaya University funding sources. Community service is carried out at the Ittifaqiah Islamic Boarding School for women in Indralaya, Ogan Ilir, South Sumatra. Participants who attended were 60 Islamic boarding school students in the science class, 10 science teachers and 2 Ittifaqiah administrators. Community service was carried out using lecture methods and demonstrations of making liquid lipstick in front of female students and teachers. The natural ingredients used in making lipstick in this service activity are beet root extract, virgin coconat oil (VCO), soy lecithin, gum Arabic, food flavors and food preservatives. There were 20 organoleptic tests carried out on Unsri female students on the liquid lipstick made in this service activity. Fifteen people said they really liked it, 3 people said they liked it quite a lot and 2 people said they liked the product a little. The survey on the results of service activities showed that 50 female students said they really understood how to make liquid lipstick, 8 students said they understood quite well how to make liquid lipstick with the red color of beetroot and 2 female students said they understood a little.

Ane Sajahwa; Roni Jayawinangun; Layung Paramesti Martha; Tiara Puspanidra

Filosofi : Publikasi Ilmu Komunikasi, Desain, Seni Budaya 2024 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

This study aims to determine the Effectiveness of Cyber PR for Covid-19 Information from the Bogor City Health Office in meeting the public's need for health information. This study uses a quantitative research approach. The data in this study were collected using a closed questionnaire which was then analyzed by multiple linear regression by SPSS 24. The results showed that the fulfillment of Cyber Information Needs at the Bogor City Health Office was included in the Good category. The cyber PR media owned by the Bogor City Health Office is a means or equipment used by the Bogor City Health Office in disseminating information about health during the pandemic to meet the information needs of the community. In this case, the people of Bogor City prefer to find out directly to the cyber media of the Bogor City Health Office as a reference in finding information about health because people feel that the Bogor City Health Office provides complete and varied information and is clear in conveying information.

Pangeran Siagian; Mara Untung Ritonga

Filosofi : Publikasi Ilmu Komunikasi, Desain, Seni Budaya 2024 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

This research aims to describe the framing of the 2024 presidential election news on tvonenews.com and explain the interpretation of the 2024 presidential election news on tvonenews.com. The research method uses descriptive analysis with Pan and Kosicki's framing analysis approach. The main data used comes from political news published in the media tvonenews.com in the period 14 November 2023-14 January 2024. Then the data was analyzed using Zhongdang Pan and Gerald M. Kosicki's framing analysis using four analytical structures, namely syntax, script, thematic , and rhetorical. To explain the interpretation of the news, the author uses Van Djik's critical discourse analysis with analysis of social cognition and social context. The results of the research show that Pan and Kosicki's framing analysis revealed that the news framing presented by tvonenews.com was unbalanced and in favor of one of the partners, which could influence people's attitudes and provide different interpretations in society.

Cicirosnita J.Idu; Siti Mahdiah; Ahmad Hambali

Jurnal Rumpun Ilmu Kesehatan 2024 Pusat Riset dan Inovasi Nasional

Nephrolithiasis is the formation of hard material resembling stones originating from minerals and salts in the kidneys. Risk factors for kidney stones are frequent holding in urine, obesity, lack of drinking, urinary tract infections, and heredity. The prevalence of kidney stones in Indonesia is 6 per 1000 population or 1,499,400 people suffer from kidney stones. Various medical procedures can be performed to treat kidney stone cases, one of which is surgery. Post-operative kidney stone patients generally complain of pain and experience physical immobility problems related to the presence of surgical wounds. Nurses play a role in providing nursing care by carrying out pain management and carrying out early mobilization to train the muscle system and nervous system after surgery. The aim of writing this scientific paper is to be able to apply the theory and concept of applying early mobilization to reduce pain intensity in patients with Kidney Stones Post Surgery Extended Left Pyelolithotomy and Replace DJ Stent in Anggrek C Room, Tangerang General Hospital. The writing method used is a case study with a nursing care approach. Based on the results of the study and data analysis, 3 nursing diagnoses were found, namely: pain, physical immobility disorders, and risk of infection. After intervention and evaluation for 3 x 24 hours, data was obtained that the problem of pain and physical immobility disorders was partially resolved, this was indicated by a decrease in pain intensity and increased movement of the patient's extremities, while the problem of risk of infection had not been resolved so the intervention was continued. Nurses are expected to be able to carry out comprehensive assessments, make appropriate diagnoses, plan interventions, carry out evaluations and follow-up

Risma Sri Mulyati; Erna Safariyah; Amir Hamzah

Jurnal Ventilator: Jurnal riset ilmu kesehatan dan Keperawatan 2024 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Health problems that are of global concern are infectious diseases, one of which is tuberculosis (TB). Indonesia is one of the eight countries that contributes the most TB cases worldwide, and is ranked third after India and China (WHO, 2021). Non-compliance with taking medication is the main factor causing TB treatment failure, which reaches 50% (Aisyan, 2018). An innovation that can be done to overcome non-compliance with taking medication is the WhatsApp chatbot telenursing program. The aim of this research is to determine whether there is an effect of WhatsApp chatbot telenursing on medication adherence (OAT) in tuberculosis sufferers at Benteng Sukabumi City Health Center. This research method is experimental research with a pre-experimental one group pre-test post-test research design. The population in this study were all TB-SO and TB-RO patients who were undergoing treatment at Benteng Health Center with a total population of 51 patients. Sampling used a total sample technique according to inclusion and exclusion criteria so that the required sample was 45 respondents. The results of the study showed that there was an increase in medication compliance behavior from before the intervention, 9 respondents were compliant, after the intervention there were 44 respondents who were compliant in taking medication, and the Wilcoxon test results obtained a p-value of 0.000 < 0.05 so that H1 was accepted and existed. The influence of the WhatsApp chatbot telenursing program on compliance with anti-tuberculosis medication (OAT) in tuberculosis sufferers at Benteng Sukabumi City Health Center

Hafsah Hafsah

Jurnal Ventilator: Jurnal riset ilmu kesehatan dan Keperawatan 2024 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Comprehensive midwifery care is a complete examination provided with simple examinations and counseling for pregnancy, childbirth, postpartum, and newborn care. The goal of continuous midwifery care given to Mrs. "N" at the Special Hospital for Mother and Child Siti Fatimah is to assess the condition of the mother and her fetus. This study was conducted from April 14, 2023, to July 9, 2023. Midwifery care methods use midwifery management based on the 7 steps of Verney from 38 weeks of pregnancy until deciding to use a 3-month contraceptive injection. The results of prenatal care include two antenatal visits during pregnancy. In the third trimester, Mrs. "N" complained of back pain, which was already manageable by the mother, so throughout the pregnancy, Mrs. "N" remained in good and normal condition. In conclusion, Mrs. "N" gave birth normally, assisted by a midwife and following the established care plan. The baby was born spontaneously with the head presenting, female, birth weight: 2,900 grams, birth length: 46 cm. Postpartum care for Mrs. "N" proceeded smoothly, and there were no complications for both the mother and the baby. The midwife provided communication, information, and education (CIE) during the care process, and during the postpartum period, the mother decided to use a 3-month contraceptive injection after 42 days of the postpartum period.

Husnul Hatima; Endang Sulistyowati

Jurnal Ventilator: Jurnal riset ilmu kesehatan dan Keperawatan 2024 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

 Mother and Child Health (MCH) requires efforts through a holistic approach known as Continuity of Care (COC). Continuity is essential throughout a woman's life cycle, including during pregnancy, childbirth, and the postpartum period. To achieve COC, it can be implemented through monitoring and services such as ANC, INC, PNC, and Newborn Care, as well as connecting healthcare facilities to ensure prompt and accurate handling of emergencies. The aim of this research is to provide comprehensive midwifery care for pregnant women in the third trimester, during labor, postpartum, care for the newborn, neonates, and family planning. The study was conducted from April to May 2023 at the Special Regional Hospital for Mother and Child, Siti Fatima, Makassar. The care method in this research involves interviews, observations, and management of the subject's care. The subject in this care is Mrs. "H," a woman in her second pregnancy, who has given birth once, is currently at 37 weeks and 4 days gestation. The results of comprehensive midwifery care for Mrs. "H" during the third trimester of pregnancy showed well-preparedness for childbirth. Normal delivery occurred, followed by normal care for the newborn and neonatal care. The conclusion of this research is that comprehensive care allows for data collection, determination of actual and potential diagnoses, and timely referral or collaboration with other healthcare providers in case of issues.

Ramalhino Lelo da Cruz; Syamsuddin Millang; Muhammad Dassir

Jurnal Teknologi Pangan dan Ilmu Pertanian 2024 International Forum of Researchers and Lecturers

Agrosilvopastura as one of the branches of the agroforestry system is one of the land management systems that may be offered to overcome the problems arising from land conversion and simultaneously to overcome the problem of food availability. Manimbahoi and Sicini villages located in Parigi of Gowa Regency, where both villages have the potential of long standing agrosilvopastura system on brand lands, this research is to know (1) Management of agrosilvopastura (2) Level of diversity and value of agrosilvopastura ecological productivity. (3) Economic productivity resulting from agrosilvopastura management in meeting the daily needs and increasing the income of the local community. Methods of field survey research interviewed 30 respondents with purposive sampling and plot measuring 20X20 m to determine ecological and economical productivity and statistical analysis to determine the diversity ecological and economic income. The results of the research show the diversity in Manimbahoi village of 1.2 and 1.3 and 1.3, respectively, are at a low level of diversity. Sicini village, 1.7 pole 1.5 trees are of medium diversity, while 1, 3 stakes are at a low level of diversity while from the questionnaire found acceptance of Agrosilvopastura management of the economical productivity of Manimbahoi and Sicini Village of Rp. 11,112,000 every month, the total revenue of agriculture sector and Sicini Village farm is Rp. 6,446,000 every month. Forestry sector revenue does not exist, because farmers do not know the market network to sell forest products, farmers only use their own for household needs

Francisco Barreto

Jurnal Teknologi Pangan dan Ilmu Pertanian 2024 International Forum of Researchers and Lecturers

The aim’s of this research was to determine the effect of mulch type on the growth and yield of eggplant plants. This research was carried out from February to May 2018. In Fatuquero village, Railaco sub-District, Ermera Municipality, it is located at an altitude of 800 m above sea level. The design used in this research was a single factor Randomized Block Design, namely Mulch (M) which was repeated 4 times, namely M0 = No Mulch (control), M1 = Rice Straw Mulch, M2 = Black Plastic Mulch and M3 = White Plastic Mulch silver.  In general, the effect of mulch type provides very significant differences in all growth parameters and yield parameters. The research results showed that the silver white plastic mulch (M3) gave the highest yield, namely 8.03 kg/plot and the lowest yield was obtained in the treatment without mulch (M0) with a value of 4.83 kg/plot.

Johanes Dos Santos Corte-Real Soares

Jurnal Teknologi Pangan dan Ilmu Pertanian 2024 International Forum of Researchers and Lecturers

Cassava is a potential food ingredient that has quite good prospects in the fields of agribusiness and agroindustry. Cassava crackers are made from cassava which is processed into crackers, as well as being another alternative food that contains nutritional value. Based on data from the Ministry of Agriculture, Forestry and Fisheries of Timor-Leste in 2009-2010, cassava production reached 47,845 tons. However, cassava production has not been utilized optimally by the people of Timor-Leste as a food ingredient for the nutritional value food industry. therefore, it needs to be developed. The aim of this research is to determine the effect of adding soybean concentration to each treatment and to find out which treatment is best for each parameter used in the test. The method used in this research was a Completely Randomized Design (RAL) with 4 treatments, namely 0% soybean concentration compared to 1 kg of cassava, 10% compared to 1 kg of cassava, 20% compared to 1 kg of cassava, 30% compared to 1 kg of cassava. Each treatment was repeated 3 times. The resulting data will be analyzed using analysis of variance and if necessary, will be presented with a follow-up test of the least significant difference (BNT) at the 5% level.The results of the variance statistical test show that the addition of soybean concentration has a significant effect on the color, taste, aroma and texture of making cassava crackers. This research shows that the best results are 10% soybean concentration in color, taste, aroma and texture.

Deonata Moreira Soares; Julio DJ. Gomes

Jurnal Teknologi Pangan dan Ilmu Pertanian 2024 International Forum of Researchers and Lecturers

The objective of this research was to determine the effect of the optimum dose of chicken manure on the growth and production  of  land kale plants. The research was conducted from July to August 2023 in Talimoro Village, Ermera sub-District, Ermera Municipality, at an altitude of 800 m. above the sea level. The experimental design used was a single factor Randomized Block Design (RBD), with 4 treatments repeated 4 times in 4 blocks, the dose of chicken manure with the symbol (A) and the dose/plant was as follows: A0 = No dose of chicken manure (Control) or 0 gr/plant; A1= Dosage of chicken manure 100g/plant; A2 = Dosage of chicken manure 200 g / plant; and A3 = chicken manure dose of  300 gr/plant. Thus, the total plots obtained 16 plot units.The results of the research showed that treatment with a dose of chicken manure of 200 gr/plant provided the best growth in all parameters observed, namely, number of leaves, plant height, stem diameter and leaf area and also the highest production yield, namely 4.51 Kg/plot or 23.00 tons. /ha, and the lowest production results were obtained in the treatment without a dose of manure (Control), namely 1.31 Kg/plot or 6.68 tons/ha and the optimum results were obtained in the treatment with a dose of 100 gr/plant chicken manure with a value of 2.86 kg/plot or 12.55 tons/ha.

Flaviano Fernandes

Jurnal Teknologi Pangan dan Ilmu Pertanian 2024 International Forum of Researchers and Lecturers

The objective of this research is to find out the methods used in soil conservation along the opening of the Tibar-Ermera highway and to find out the types of plants used in implementing soil conservation along the opening of the Tibar-Ermera highway. This research uses a descriptive or exploratory method referring to the method created by Vogel (1987) and Rugayah, et al (2004). This exploratory research will be carried out along the highway, to observe what soil conservation methods are used. Based on the results of observations along the opening of the highway, soil conservation techniques are applied along the Tibar-Gleno road, it is known that there are two methods, namely vegetative methods and mechanical methods or civil engineering methods. The vegetative method applied is planting vetiver grass, elephant grass, gamal and dadap hijo and the mechanical method is bench terraces and civil engineering methods are retaining walls and channels. And the types of plant species used in soil conservation include Vetiveria zizanioides L Nash, Pennisetum purpureum, Gliricidia maculate.

Mellya Embun Baining; Faturahman Faturahman; Angri Fameliani

Jurnal Kendali Akuntansi 2024 International Forum of Researchers and Lecturers

UMKM make a significant contribution to Indonesia's economic growth. IAI released the rules for making financial reports for UMKM after realizing the important role played by UMKM. The purpose of this study is to examine how the Kedai Oblong company, one of the micro, small and medium enterprises in Jambi City, prepares its financial reports in accordance with the Micro, Small and Medium Entity Financial Accounting Standards (SAK EMKM). Descriptive techniques are used in the qualitative methodology of this study. This is done by examining the financial records of Kedai Oblong and applying the financial reports according to SAK EMKM. The findings of this study indicate that the financial statements of Kedai Oblong have influenced the financial statements of other companies, it's just that the reports they made have not been prepared according to the EMKM financial standards that have been in effect since January 1 2018, the application of EMKM SAK in presenting income statements has a lower difference than the calculation report made by the oblong shop. The author uses SAK EMKM in the results and discussion to prepare the presentation of financial reports at the Oblong Shop in accordance with the applicable SAK EMKM standards and rules.

Maria Febrianti Jesika Tanur; Sukardan Aloysius; Orpa Juliana Nubatonis

Jurnal Hukum dan Sosial Politik 2024 International Forum of Researchers and Lecturers

Furnace cu marriage is a marriage carried out between the daughter of a brother and the son of a biological sister. The marriage of the furnace cu has been carried out since ancient times so that it is carried out from generation to generation by the people of Timung Village. This marriage is an incestuous marriage prohibited in Law Number 1 of 1974 concerning Marriage in Article 8b. At the time the marriage law came into force in 1974, there were still those who carried out cu furnace marriages (inbreeding). The formulation of the problem from the research is: How is the legal awareness of the people of Kampung Timung, regarding furnace cu marriage (inbreeding) which is prohibited in Law Number 1 of 1974 concerning Marriage? And How is the existence of the furnace cu marriage in Timung Village at this time? The purpose of this study is to determine the legal awareness of the people of Timung Village regarding furnace cu marriage (inbreeding) which is prohibited in Law Number 1 of 1974. The second purpose is to find out the existence or existence of the cu furnace marriage in Timung Village at this time. The type of research used in this study is a type of empirical legal research. The data sources used in this study are primary data and secondary data. Data processing and analysis techniques, namely editing, coding, data systematization, then the data obtained both primary and secondary data will be processed and analyzed by researchers based on problem formulations. Based on the results of research that researchers have conducted, legal awareness of the Timung Village Community is still low because the Timung Village Community does not know and understand that cu furnace marriage (incestuous marriage) is prohibited in the Marriage Law, so that after the Marriage Law has come into effect in 1974 the Timung Village community still practices cu furnace marriage until 2005. The legal awareness of the Timung Village Community after the Marriage Law came into effect in 1974 against the ban on marriage was caused by several factors such as, customary factors, low level of education, compulsion due to arranged marriages by parents, lack of legal counseling from the government regarding the prohibition of marriage contained in Law Number 1 of 1974 concerning Marriage. The existence of furnace cu marriages at this time, is rarely found and has begun to fade, influenced by several factors such as bans from the church, fear that offspring will be born defective, the influence of social media.

Theresia Edelweis Putri Nurak; Aksi Sinurat; Orpa G. Manuain

Jurnal Hukum dan Sosial Politik 2024 International Forum of Researchers and Lecturers

In Decision Number: 26/Pid.B/2022/PN.Mme regarding abuse which resulted in permanent disability, the panel of judges only imposed a criminal sentence on the defendant with a prison sentence of 9 months. The problem to be studied is the basis for the consideration of the Panel of Judges and the imposition of the crime. This research aims to find out the basis for the judge's considerations and the imposition of crimes against perpetrators of abuse. The benefits of this research are theoretical and practical benefits. The type of research that will be used in this writing is a normative legal study. The types of research approaches used include the statutory approach, case approach, conceptual approach and comparative approach. The data sources used in this research use two data sources, namely primary legal materials and secondary legal materials. Whether or not the judge's decision is in accordance with the criminal act charged by the Public Prosecutor, the judge must consider aspects, namely juridical, philosophical and sociological aspects. The sentence imposed on perpetrators of torture is a maximum prison sentence of 5 years, in accordance with the contents of Article 351 paragraph (2) of the Criminal Code. The judge did not take into account the juridical, sociological and philosophical aspects as a basis for consideration in making decisions regarding Decision Number: 26/Pid.B/2022 /PN.Mme. The actual criminal sentence against the defendant is a maximum imprisonment of 5 (five) years), as stated in Article 351 paragraph (1) of the Criminal Code which states "If the action results in serious injury, the guilty person is threatened with a maximum prison sentence of five years".

Devi safitri; Nurbaiti Nurbaiti

JURNAL RISET RUMPUN ILMU HEWANI 2024 Pusat riset dan Inovasi Nasional

The Fish Seed Center (BBI) in Lubuk Pakam Subdistrict, as a government representative, is expected to advance the welfare of the community through business opportunities in the fisheries sector involving several villages geographically. The research problem formulation encompasses the role of BBI in improving the welfare of the community in Sumber Jaya Subdistrict and its economic contributions. The objectives of this study are to understand the role of BBI in improving the welfare of the community in Lubuk Pakam Subdistrict and to analyze the Islamic economic perspective regarding BBI’s role in enhancing community welfare. This research employs a qualitative approach, gathering primary data through interviews, questionnaires, observations, and secondary data through documentation. The research population includes 49 individuals, and the entire population is considered the sample due to its size being less than 100, making this a population study.

Rifky Ardytiandi; Muhammad Mush'ab Al Mujahid; Rama Aditya Putra; Evi Liviawaty

JURNAL RISET RUMPUN ILMU HEWANI 2024 Pusat riset dan Inovasi Nasional

Green mussels (Pernan viridis) are a marine resource that has good protein content. Of these advantages, there are disadvantages, namely the relatively short shelf life. The method used in this research is organoleptic testing (including texture, appearance, color and odor), pH and weight loss. The aim of this research is to determine the storage time of green mussels at room temperature. The results obtained in the organoleptic test where the appearance of the buffer lasted for 4 hours, the aroma for 4 hours, and the texture for 5 hours. The initial pH was found to be 7.14 after storage for 12 hours at room temperature, the pH was 6.53 and there was a decrease in weight loss of 11 g. From this research it was found that the longer the storage time, the quality of green mussels (verna piridis) will decrease.

Rosita, Ida; Prabowo, Heri; Indiworo, Hawik Ervina; Sutrisno, Sutrisno

Jurnal Riset Rumpun Ilmu Ekonomi 2024 Lembaga Pengembangan Kinerja Dosen

There are various e-commerce sites, one of which is Shopee, which utilizes financial technology or what is known as financial technology (Fintech) in the form of Shopeepay. Many factors can influence interest in using fintech including perceived ease, trust, effectiveness and features of use. This study aims to determine the effect of perceptions of convenience, trust, effectiveness and usage features on interest in using Shopeepay fintech. This research method is descriptive quantitative, the population in this study are regular UPGRIS management students class of 2018 and class of 2019 who are willing to fill out a research questionnaire with a total of 100 respondents, the sampling technique used is accidental sampling. Data collection was carried out through a questionnaire. Data analysis was carried out through validity and reliability tests, multiple regression analysis and hypothesis testing. Based on the data analysis conducted, it was found that perceived convenience has a positive and significant influence on the intention to use Fintech Shopeepay with a significant value of 0.001, trust has a positive and significant influence on the intention to use Fintech Shopeepay with a significant value of 0.048, effectiveness has a positive and significant influence on the intention to use fintech Shopeepay with a significant value of 0.000, features of use have a positive and significant influence on interest in using fintech Shopeepay with a significant value of 0.043. This means that the influence of perceptions of convenience, trust, effectiveness and features of use has an effect on interest in using Shopeepay fintech.