Publication Search

Pakistan is a developing country. Its transportation infrastructure mainly consists of road network. About 95% passengers and fright is transported using the road network. This high demand on road network is because of the unreliable railway system between the cities. Due to such high demand on road network the accident involvement risk of an individual is much high as compared to developed countries. This study uses a new modeling approach to estimate road safety risk for WTP.  A correlated random parameters Tobit model (heterogeneity-in-mean) is integrated with machine learning (Decision tree).  The decision tree categorizes higher-order interactions, while the model captures unobserved correlations and heterogeneity. The framework examines WTP determinants using a representative sample of 3178 road users from Pakistan. The model estimates WTP for different (fatal and severe injury) risk reductions to monetize road traffic crash costs. Results show maximum respondents are willing to support safety improvement policies. The model reveals significant WTP heterogeneity linked to perceptions of road safety and accident risk. Systematic preference heterogeneity emerges through higher-order interactions, offering insights into WTP relationships. Marginal effects highlight varying sensitivities to explanatory variables, quantifying their impact on WTP probability and magnitude. The framework provides two key contributions. It identifies public WTP determinants, emphasizing heterogeneous effects. It also helps in prioritization safety policies by understanding public sensitivity to WTP. The insights further emphasizing on the importance of road safety interventions to the specific socio-economic profiles of road users. This study offers a significant contribution to road safety improvement by providing valuable recommendations for policy makers. By integrating detailed socio-economic factors, it also addresses the urgent need for targeted traffic safety interventions in Pakistan. These findings are expected to aid policymakers and stakeholders in developing effective strategies to enhance road safety and reduce the accident involvement risk effectively.

Stunting is a major health problem in Indonesia which affects physical, cognitive growth and future disease risk. This study aims to analyze the effect of drinking water source quality on the prevalence of stunting in Gorontalo Province. The research is a quantitative research. The source of data in this study is secondary data with a target number of 208,303 households who are couples of childbearing age, pregnant women, and families with children 0-59 months in Gorontalo Province. Analysis result showed that there is a significant influence between drinking inadequate water and the risk of stunting with a sig value. 0.003, and the value of R = 0.956 and R² = 0.913, which means that 91.3% of the drinking water variable affects the level of stunting risk.  Inadequate water increases the risk of infections such as diarrhea, which inhibits the absorption of nutrients. Providing clean water should be a priority to reduce stunting. However, this intervention needs to be complemented by improved sanitation, community education, and improved child nutrition. This study is expected to be the basis of strategic policies to reduce the prevalence of stunting in Indonesia.

This article examines effective contract drafting approaches for reducing the likelihood of disputes in business dealings. Contracts are a crucial legal tool in an increasingly complicated corporate world, governing the rights and obligations of the parties. However, many contracts are poorly constructed, causing uncertainty and the possibility of lawsuits. The paper discusses several contract drafting approaches, such as employing clear and straightforward wording, establishing realistic terms and conditions, and incorporating a dispute resolution mechanism. Furthermore, this study emphasizes the need of completing due diligence on all parties involved and understanding the necessary legal background. By taking these procedures, parties can lessen the chance of disputes while boosting legal certainty throughout contract implementation. The study's findings are expected to assist legal experts and business owners in developing more effective and efficient contract language.

Dehydration occurs when the body loses too much water and essential fluids in the body. Diarrhea is the main cause of dehydration in toddlers. Toddlers often get diarrhea because their immune system is still vulnerable. If the problem of dehydration is not addressed immediately, it can lead to other health problems such as shock risk. This study aims to determine the effect of video education and demonstration on the ability of first aid dehydration due to diarrhea in mothers with children 0-5 years in Siding Tuban Village. The research design used was Pre Experimental with a one group pretest-postest approach, a sample of 16 respondents taken from 66 populations through Purposive Sampling. Research instrument Ability was measured by observation sheet and analyzed using Wilcoxon Signed Rank test (α=0.05). Before the intervention, 93.8% of respondents had poor skills and after the intervention, 100% of respondents had good skills, which showed an increase in the value of dehydration first aid skills. The results of the analysis obtained p-value=0.000 (<α), meaning that there is an effect of education on the ability of first aid for dehydration due to diarrhea in children. The combination of video and demonstration methods improves the mother's ability to dehydrate children due to diarrhea through visualization and hands-on practice, facilitating understanding and effective application. It is expected that mothers can carry out first aid for dehydration due to diarrhea in children without guidance, reducing the risk of child mortality.

Background:Measles is an infectious disease caused by the measles virus (morbillivirus). This disease is highly contagious and usually attacks children, although adults who have never been vaccinated or have never had measles are also at risk. Infants do not receive measles immunization at the Timeepa Health Center 50 children. If they do not receive complete and timely immunization, they will be more susceptible to various diseases that should be prevented by immunization, one of which is measles.Objective:To determine the effect of maternal knowledge, maternal occupation and maternal attitude on the provision of Measles Immunization to infants aged 9-18 months in the Timeepa Health Center Work Area. Method: Quantitative research type with a cross-sectional approach. The study population was 34 toddlers. The sampling technique used total sampling. Data analysis used the Statistical Program for Social Science (SPSS) version 16.0 application and used the chi-square test. Results: The test of the effect of maternal knowledge p-value 0.000 (<0.05), maternal occupation p-value 0.000 (<0.05), and maternal attitude p-value 0.015 (<0.05). Conclusion: There is an effect of maternal knowledge, maternal occupation and maternal attitude on the provision of measles immunization in the Timeepa Health Center Work Area. Suggestions:Conducting counseling on measles immunization and the importance of integrated health posts, types of activities at integrated health posts regarding measles immunization so that mothers go to integrated health posts more regularly every month and so that toddlers can receive measles immunization.    

Fear of divine punishment is a spiritually charged form of distress that appears in ordinary religious struggle, moral injury, shame-based faith formation, and, in some cases, scrupulosity. This article examines pastoral accompaniment for Christian congregants who interpret suffering, intrusive thoughts, moral imperfection, or ordinary uncertainty as evidence that God is angry and punitive. The study addresses a constructive problem: many pastoral responses either normalize fear as evidence of seriousness before God or dismiss it as irrational anxiety, yet both responses can intensify spiritual distress. Using a conceptual qualitative design, the article synthesizes peer-reviewed studies on religious and spiritual struggles, scrupulosity, spiritually integrated care, moral injury, and practical theology. The analysis proposes that pastoral care should neither dilute theological seriousness nor reinforce punitive images of God. Its main synthesis is a threefold pastoral framework, differentiated assessment, grace-oriented theological reframing, and collaborative accompaniment that includes referral when symptoms suggest obsessive-compulsive disorder, trauma, depression, or suicidal risk. The article concludes that effective pastoral accompaniment moves congregants from retributive anxiety toward secure attachment to God, morally responsible agency, and communal practices of confession, assurance, lament, and restoration. The contribution is a constructive model for churches that treats fear of divine punishment as a theological-psychological struggle requiring discernment, doctrinal care, ethical boundaries, and interdisciplinary cooperation.

This study aims to determine the role of gender diversity in moderating the performance of the social environment, and governance on financial risk. This research approach is quantitative by using secondary data. ESG data and financial risks will be obtained from the annual reports of companies listed on the Indonesia Stock Exchange (IDX) during a certain period, for example 2018–2023. This study uses a moderated regression analysis (MRA) approach to examine the influence of gender diversity moderation on the relationship between ESG performance. This study reveals that gender diversity has a significant moderating influence on the relationship between Environmental, Social, and Governance (ESG) performance and corporate financial risk.

Digital transformation (DT) is a necessity for incumbent companies today, including MSMEs, to be able to continue to compete in the era of technological disruption and accelerated by the COVID-19 pandemic. This research aims to design IT governance (ITG) for BPRACo MSMEs using the COBIT 2019 SME focus area framework. The research method used is design science research (DSR) which creates artifacts in the form of ITG solution development methods and systems. The research results revealed that the highest GMO priorities selected were APO10 Managed Vendors, MEA03 Managed Compliance with External Requirements, and APO12 Managed Risk. From the analysis of the selected GMOs, there are gaps and recommendations for improvement in the seven components which are then mapped into three aspects, namely people, process and technology aspects. The results of the research analysis show that the ambidextrous IT governance approach has succeeded in increasing the level of capability in several main components of BPRACo MSMEs in adopting DT. The right ITG strategy can help BPRACo MSMEs operating in the banking industry achieve a successful DT journey.  

Acute Respiratory Distress Syndrome (ARDS) is a life-threatening condition characterized by severe inflammation and damage to the alveoli, leading to impaired oxygen exchange in the lungs. Older adults are particularly vulnerable to ARDS due to age-related physiological changes and the presence of comorbidities. This literature review aims to explore the risk factors, pathophysiology, and management strategies of ARDS in the elderly population. The review identifies key factors such as immunosenescence, decreased lung elasticity, and the presence of chronic conditions like hypertension, diabetes, and cardiovascular disease as contributing to the increased susceptibility to ARDS in older adults. Infections, especially pneumonia and sepsis, are found to be significant triggers for the onset of ARDS. Additionally, environmental factors, such as long-term exposure to air pollution and smoking, further elevate the risk. Prevention through vaccination and the management of comorbidities are highlighted as essential strategies for reducing the incidence of ARDS. The review also emphasizes the importance of lung-protective ventilation strategies in the treatment of ARDS in older adults. Overall, this paper underscores the need for comprehensive healthcare approaches, including early detection, vaccination, and integrated care for managing comorbid conditions to mitigate the impact of ARDS in the elderly. Further research is recommended to develop more effective and tailored treatment approaches for this vulnerable population. 

This research aims to determine the different kinds of risks that Bank Muamalat KCP Sepanjang faces as well as the mitigation strategies implemented to manage these risks. This research uses qualitative methods with a descriptive approach to understand risk phenomena in depth through interviews and observations. The research results show that Bank Muamalat faces several main risks, including credit risk, market risk, liquidity risk and strategic risk. Strategic risk is the biggest challenge because it requires adjustments to changes in business competition, innovation and technological developments. The mitigation strategies implemented by Bank Muamalat include strict supervision of strategic policies, collaboration with other parties, and adaptation to new technology. With the right mitigation strategy, Bank Muamalat KCP Sepanjang can maintain its stability and growth in the sharia banking sector.  

The unwise use of electrical energy in households can lead to energy wastage and pose risks such as short circuits, which may result in fires. This research developed a Node-Red-based protection system using an ESP8266 microcontroller and a PZEM 004-T sensor to detect voltage, current, and power in real-time. The system automatically disconnects the current when overload conditions are detected, especially on extension cables. Testing was conducted on household devices such as laptop chargers, fans, and soldering irons. Results demonstrate that the system can accurately monitor current and power, maintain electrical stability, and cut off electricity when the load exceeds the safe threshold, thus reducing fire risk. This implementation is expected to enhance household electrical safety and serve as a reference for further development in IoT-based protection systems.

Financial risk management is an important element in maintaining global economic stability. This study explores the relationship between regulation, technological innovation, and sustainability as three main pillars in modern financial risk management. Using the Semantic approach Literature Review (SLR), this study analyzes the literature from 50 selected scientific articles published between 2018 and 2024. The results of the study show that regulations such as Solvency II and IFRS 17 strengthen transparency and accountability, while innovative technologies such as parametric insurance and resilience bonds increase the efficiency of risk management. In addition, sustainability, which is realized through initiatives such as green insurance and sharia insurance, is a key pillar in mitigating systemic risk.However, the study identified a number of challenges, including fragmentation of regulations across countries, limited access to technology in developing countries, and moral hazard in implementing sustainability. To overcome these obstacles, a collaborative strategy involving governments, the private sector, and the international community is needed to harmonize global regulations, strengthen technology infrastructure, and improve technology and sustainability literacy. This study contributes to presenting a comprehensive financial risk management framework by recommending strengthening the synergy between regulation, technology, and sustainability. This study also provides practical guidance to address global challenges in financial risk management, while also providing a basis for further in-depth research on specific sectors, geographic regions, and the integration of technology and sustainability.

The impact of landslides causes a lack of confidence and confidence in the community, so that preparedness and self-efficacy are needed when faced with critical problems such as disasters. This study aims to determine the relationship between self-efficacy and community preparedness in dealing with landslides. Individuals who have high self-efficacy tend to feel confident and confident when preparing for disaster threats, even though the threat of the disaster is a threat. who bears the risk. The sample of this study was 177 respondents and the sampling technique used was purposive sampling. Data collection in the study used a questionnaire, namely preparedness and self-efficacy. Questionnaires were used to analyze demographic characteristics, preparedness, and self-efficacy. The results showed that the majority were average (92.7) adult age male (55.4%). The level of preparedness in the high category is (63.8%) and self-efficacy is (57.1%). Bivariate analysis showed that there was a significant relationship between preparedness and self-efficacy 0.000 (p < 0.05). The strength of the correlation coefficient in the criteria is sufficient (r=0.380). Researchers suggest that the community participation in landslide disaster preparation is supported by good self-efficacy for preparation for landslides in order to reduce disaster risks such as fatalities.  

Background: Hypertensive Disease in Pregnancy (HDK) is a vascular disorder that occurs during pregnancy, arises during pregnancy or in the postpartum periode, and is one of the most common causes of maternal death. Objective: this study was to determine how factors of having a history of hypertension, obesity, and using hormonal birth control impact the incidence of hypertension Disease in pregnancy (HDK). Metodes: the research approach used was analytic observation with a croos sectional design. This study involved 332 pregnant women who come to the Health Center. A sampel random sampling technique, with a sample size of 183 was used. In this study, the independent variables were history of hypertension, obesity, and hormonal birth control use; the incidence of HDK was the dependent variable. Data was collected using a documention study approach with an observation sheets. To analyse the data, a logistic regression statistical test was used with an error rate of α 0.05. The results showed that pregnant women with HDK were exposed to hypertension 45.6%, and hormonal birth control by 36.3%. The result of bivariate analysis of hypertension history with HDK is o.o1 < α 0.05, and the variable of obesity with HDK is 0.024 < α 0.05 and the variable of hormonal birth control history with HDK is 0.21% < α 0.05. The conclusion of the results showed that of the three factors contributing to the incidence of HDK, only the history of hypertension and obesity had a significant influence, with a history of hypertension accounting for 9.9% of HDK cases. Therefore, it is recommended that Strengthing Integrated Antenatal care for increasing the role of mindwives and general practitioners in better screening of pregnant women at risk.

Credit approval prediction is one of the critical challenges in the financial industry, where the accuracy and efficiency of credit decision-making can significantly affect business risk. This study proposes an outlier detection method using the Gaussian Mixture Model (GMM) combined with Extreme Gradient Boosting (XGBoost) to improve prediction accuracy. GMM is used to detect outliers with a probabilistic approach, allowing for finer-grained anomaly identification compared to distance- or density-based methods. Furthermore, the data cleaned through GMM is processed using XGBoost, a decision tree-based boosting algorithm that efficiently handles complex datasets. This study compares the performance of XGBoost with various outlier detection methods, such as LOF, CBLOF, DBSCAN, IF, and K-Means, as well as various other classification algorithms based on machine learning and deep learning. Experimental results show that the combination of GMM and XGBoost provides the best performance with an accuracy of 95.493%, a recall of 91.650%, and an AUC of 95.145%, outperforming other models in the context of credit approval prediction on an imbalanced dataset. The proposed method has been proven to reduce prediction errors and improve the model's reliability in detecting eligible credit applications.

Drought is a hydrometeorological disaster that significantly affects water availability and agricultural activities. Pesisir Selatan Regency has diverse topographic conditions that influence the level of vulnerability to drought, thereby requiring a comprehensive spatial analysis. This study aims to map drought risk by integrating slope steepness with other biophysical parameters using Geographic Information Systems (GIS). The data employed include slope maps derived from DEMNAS, rainfall data (CHIRPS 2024), soil types, land use, and river networks. The analysis was conducted through scoring and overlay methods to produce a drought risk map. The results indicate that areas with very steep slopes (>45%) have a high level of vulnerability due to surface runoff dominance and low infiltration capacity, particularly in Bayang Utara District. In contrast, flat to gently sloping areas dominated by rice fields and forest cover are relatively low-risk. Overall, drought risk in the region is classified into three categories: low, medium, and high. The resulting maps can serve as a basis for local governments in developing spatial planning policies, water conservation infrastructure, and disaster mitigation strategies that are more adaptive and sustainable.

This research discusses the influence of financial technology (Fintech) on the financial management of Generation Z, a generation that is familiar with digitalization and has a consumptive lifestyle. Generation Z, which accounts for around 27.94% of Indonesia's population, exhibits financial behaviors that tend to be more concerned with wants than needs. Through a literature review, this research explores how Fintech affects Generation Z's financial behavior, including the challenges that arise, such as shopping addiction and debt risk. Fintech offers easy access to financial services, such as digital payments, investments and online lending, allowing Generation Z to manage their finances more flexibly. However, their low financial literacy may result in suboptimal financial management. This study highlights the importance of financial literacy as a key factor to help Generation Z achieve sustainable financial well-being and respond to the challenges of Fintech development in the digital era

In the current digital era, cybersecurity of data and information systems. The threat of  attacks, or , is a form of threat that continues to grow along with advances in technology. This research aims to learn about cybersecurity strategies in dealing with . The method used in this research is a literature review. This journal was prepared based on an analysis of research results from various journals accessed through secondary data sources, namely the Google Scholar database, and e-resources from Springer, Cambridge, and Taylor and Francis. The research results show that implementing technology such as encryption, multifactor authentication, and user training, are some of the effective steps that have been proven to reduce risk. However, challenges in implementing this strategy remain, both from a technical and non-technical perspective, which require special attention from researchers and practitioners in the field of cyber security.

Customer segmentation plays a pivotal role in driving marketing strategies and improving customer retention across various industries. This study explores the application of the RFM (Recency, Frequency, Monetary) model for customer segmentation in a Software-as-a-Service (SaaS) business, using Python for efficient data processing and analysis. By analyzing one year of customer purchase data, we segmented customers into key groups such as "Champions," "Loyal Customers," and "At Risk." The results highlight that targeted discount strategies significantly affect profitability, especially for high-value customer segments. Furthermore, the research builds upon existing methodologies, demonstrating how Python-based implementations streamline RFM analysis and allow for scalable solutions in business contexts, as illustrated in prior works by Hermawan et al. (2024). This study offers actionable recommendations, including tailored discounting, loyalty programs, and personalized engagement strategies, to enhance customer retention and business profitability. The findings underscore the importance of data-driven marketing approaches for customer segmentation and engagement, reinforcing the relevance of the RFM model in modern business environments.

This study aims to optimize marketing strategies through RFM (Recency, Frequency, Monetary) analysis on a retail transaction dataset obtained from Kaggle. The dataset contains 64,682 transactions from 5,242 SKUs involving 22,625 customers over one year. Data cleaning and RFM analysis were conducted to segment customers based on recency, frequency, and monetary values. The findings reveal that customers were segmented into groups such as Champions, Loyal Customers, and At Risk. These segments provide valuable insights for developing targeted marketing strategies, such as loyalty programs for high-value customers and retention campaigns for at-risk customers. The study demonstrates that RFM analysis is effective in identifying valuable customer segments and optimizing marketing efforts based on customer behavior. This approach can increase customer retention and improve the return on investment (ROI) in marketing campaigns.