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Implications of digital payments on market appreciation of MSMEs in Naga City
Get PDFDigital payments are transforming the economic landscape of the Philippines, yet their effects on local economies, especially micro, small, and medium enterprises (MSMEs), are still under-researched. This study investigates the influence of digital payment systems on consumer behavior, spending power, and perceptions of MSMEs in Naga City. Using a descriptive-correlational research approach, the researchers surveyed 100 MSME consumers to identify factors affecting digital payment adoption. The findings indicate that demographic factors such as age, education, and income significantly influence the adoption of digital payments, with awareness also playing a crucial role in purchasing decisions. A notable relationship between digital payment adoption and consumer purchasing behavior across demographic segments was established. In response, the study proposes the "Empowering Digital Transactions" initiative, aimed at enhancing digital payment adoption over one year. This initiative includes a marketing strategy to increase awareness, provide incentives, and prepare businesses for effective digital transactions, fostering sustainable growth for both MSMEs and consumers in Naga City
USE OF EXOPHYTIC FUNGI IN SUPPRESSING ANTHRACHNOSE PATHOGENS ON RAMBUTAN FRUIT (Nephelium lappaceum L.) IN VITRO
Get PDFAnthracnose disease in rambutan fruit is caused by Colletotrichum fructicola which is found both in the harvest and post-harvest. The diversity index of exophytic fungi ranges from 0.4634 - 1.3143 with structural conditions from less stable to very rotten to moderate categories and with a score of 1-3. The dominance index of 0.643 - 0.773 is close to 1, this is supported by the uniformity index of 0.0816 - 1.1379, meaning that there are dominant species in the fruit exophyte, namely Neurospora sp, in the leaf exophyte Aspergillus flavus and in the stem exophyte Aspergillus niger. The highest in vitro inhibition of exophytic microbes on fruit was achieved by A. niger 4 of 92.22 ± 0.3%. In the leaf exophyte, the highest inhibition was achieved by A. niger 1 of 83.33 ± 0.2%. The highest inhibition on stem exophytes was achieved by Neurospora sp. 3 at 94.44±0.1%
Changes in Biochemical Indices in Lead-Induced Toxicity Following Administration of Methanolic Extracts of Curcuma longa Rhizomes and Cucumis sativus Fruits
Get PDFBiochemical indices are important biomarkers of health and disease state in both humans and rodents. This study was designed to evaluate plausible changes in biochemical indices in lead-induced toxicity following administration of methanolic extracts of Curcuma longa rhizomes and Cucumis sativus fruits. Twenty five (25) male rats weighing between 145g-200g were purchased, acclimatized and subsequently randomly distributed into five (5) groups(5 rats each) and were treated for 28 daysas follows: Group 1: Control group (received distilled water and normal feed only); Group 2: received a daily dose of 2.25mg/kg lead for 28 days; Group 3: rats received 2.25mg/kg lead + 200mg/kg Curcuma longa rhizome extract; Group 4: rats received 2.25mg/kg lead + 500mg/kg Cucumis sativus extract; Group 5: rats received 2.25mg/kg lead + 200mg/kg Curcuma longa rhizome + 500mg/kg body weight of Cucumis sativus extracts. Daily treatments with lead and extracts were orally. Testes were harvested and homogenized for determination of testicular cholesterol and nitric oxide levels on day 29, also blood was collected via direct cardiac puncture for serum liver enzymes and lipid parameters estimation. Expectedly, significantly higher values of testicular cholesterol, aspartate aminotransferase, alanine aminotransferase, alkaline phosphatase, total cholesterol, triglyceride and low-density lipoprotein but decrease nitric oxide, total protein, albumin and high-density lipoprotein levels were observed amongst group 2 rats administered 2.25mg/kg lead compared to group 1 ratsp<0.05, suggesting a possible deleterious effect of lead. Predictably, individual doses of the extracts of Curcuma longa rhizome and Cucumis sativus administration to groups 3 and 4 rats significantly ameliorated the above parametersp<0.05, suggesting a likely beneficial effect of Curcuma longa and Cucumis sativus extracts with Curcuma longa rhizome showing greater potency compared to Cucumis sativus. Combined administration of both extracts to group 5 rats showed better therapeutic efficacy compared to both groups 3 and 4 rats. Results suggests that combined treatment with Curcuma longa and Cucumis sativus may present better outcome compared to individual administration. More studies are recommended to this end
Optimizing Time workflow and Productivity in the Public Sector in Delta State, Nigeria
Get PDFThis study examined optimizing time workflow and productivity in public sector in Delta State. Administrators and employees in Delta State in particular and Nigeria at large need time optimization skill to enhance productivity in the public sector in Delta State, Nigeria. Time optimization allows you to be in command of your time. It is about deciding what is important and increasing efficiency to make the best and most effective use of the time available. Time optimization involves investing time to determine what one wants out of his day to day activities. Effective time optimization is the investment of time in such a way that suitable results are achieved from activities within a specific time range and it increases productivity
Mentoring and Supervision Challenges in B.Ed Internships: A Stakeholder Analysis in Patna, Bihar, India
Get PDFThis study explores the challenges of mentoring and supervision in Bachelor of Education (B.Ed) internship programs in Patna, Bihar, India, using Vygotsky’s concept of scaffolding as a guiding theoretical framework. The research investigates the perspectives of key stakeholders, including interns, their supervisors, Teacher Education Institution (TEI) principals, host school principals, and host school teachers. Employing a qualitative methodology, data were gathered through semi-structured interviews with participants selected via multi-stage sampling. Thematic analysis of the data reveals that interns frequently lack sufficient mentoring and supervisory support, primarily due to the heavy workload faced by both supervisors and mentors. Additionally, the study finds a prevalent culture of mutual blame among stakeholders, with each group attributing shortcomings in the mentoring process to others. These findings highlight the need for a more integrated and cooperative approach to supervision in teacher training programs, addressing the specific contextual challenges to enhance the quality of support for pre-service teachers. The study suggests that policy changes and structural adjustments are essential to foster more effective mentorship and scaffolded learning experiences within B.Ed programs
DIGITAL PARENTING AND STUDENTS' ACADEMIC PERFORMANCE IN SECONDARY SCHOOLS IN NIGERIA
Get PDFThis paper explores Digital Parenting and Students' Academic Performance in secondary schools in Nigeria highlighting both the potential benefits and the challenges involved. As technology becomes integral to education, parents are increasingly responsible for guiding their children's digital interactions to ensure they contribute positively to academic outcomes. Effective digital parenting can enhance learning by regulating screen time, providing access to educational resources, fostering digital literacy, and maintaining a balanced approach to technology use. However, challenges such as technological literacy gaps among parents, inconsistent access to digital resources, managing distractions, student resistance, and concerns about online safety present significant barriers. This paper discusses these challenges and proposes strategies to address them, including parental training programs, improving access to technology, and collaborative approaches to digital management. The paper concludes that parents can play a crucial role in supporting their children's academic success in a digitally-driven educational activities
Teacher Education, Professional Development and the Implication of Modern Day Slavery in Education in Delta State, Nigeria
Get PDFThis paper examined teacher education, professional development and the implication of modern day slavery in education in Delta State, Nigeria. The investigation is premised on the fact that adequate and appropriate teacher education is capable of resisting modern day slavery in the teaching profession. The paper was guided by some objectives. The design of the study is the descriptive survey. The population of the study comprised teachers of public and private secondary schools in the state. The study randomly selected 318 participants, that is, 106 respondents each from the three senatorial districts of the state. The instrument for data collection was the questionnaire. The instrument was rated on a 4 point moderated scale of strongly agree =4, agree =3, disagree =2 and strongly disagree =1. Data generated was analyzed using mean (X̄) and standard deviation statistics at a benchmark of p≤ 2.50 as region for rejection and p≥2.50 as region for acceptance of the research question. Findings revealed that adequate and appropriate teacher education and professional development is capable of eradicating modern day slavery in the teaching profession. The paper concludes that, adequate and appropriate teacher education and professional development places the teacher in a better position to identify and resist modern day slavery in the profession. The paper recommended that in the cause of training teachers, adequate and appropriate knowledge should be imbued in them so that they will recognize when slavery tenet in being applied to their duties and responsibilities as a teacher
Village Tourism as a Catalyst for Economic Prosperity
Get PDFImplementing the Desa Wisata (Tourism Village) pilot program initiated by the Governor of West Java faces several challenges, particularly in Pasawahan Village. This study employs a qualitative-descriptive approach with purposive sampling for informant selection. The findings indicate that the implementation of the Desa Wisata program is hindered by various issues, such as insufficient mentoring and socialization efforts by both local government and private sector, inadequate infrastructure, and a lack of promotion and community interest in participating in tourism management. Therefore, enhancing the empowerment of managers and the community through more intensive socialization and mentoring is necessary to boost the local economy
STUDY ON LEGAL PROTECTION AND SOCIAL SECURITY FOR FIRE VICTIMS IN THE CITY OF BALIKPAPAN
Get PDFNatural disasters or non-natural disasters greatly affect people's lives and livelihoods because they can cause human casualties, environmental damage, disaster property losses, and psychological impacts. Therefore, the state should be present to anticipate, handle, and rehabilitate every aspect of disasters that occur. The aim of the research is the research aims to examine legal protection and social security for fire victims in Balikpapan City. The research was carried out from January to March 2023 in Balikpapan City, East Kalimantan Province, Indonesia using normative legal research methods (legal research). The research results show that there are differences in classifying types of disasters based on Minister of Social Affairs Regulation 04/2015 junto 10/2020, Regional Regulation 02/2018 and Deputy Mayor Regulation 30/2012. These differences in disaster categorization can have implications for guarantees of assisting disaster victims. Implementatively, the City of Balikpapan refers to Mayor Regulation 30/2012 to assist fire victims even though fire is not included in the disasters for which assistance can be provided based on Regional Regulation 02/2018. In other words, Mayor Regulation 30/2012 is more implementable in providing legal certainty and guarantees to fire victims in Balikpapan Cit
Evaluation of Utilization of Nursing Process and Creation of Atmosphere of Trust in Federal School of Psychiatric Nursing Programme, Calabar, Cross River State, Nigeria
Get PDFThis study evaluated utilization of nursing process and creation of atmosphere of trust in Federal School of Psychiatric Nursing Programme Calabar, Cross River State, Nigeria. Two research questions were raised to direct the course of this study. An evaluation research design was adopted to evaluate 64 psychiatric nurses purposively selected from the 150 students who graduated from the School between 2014-2019 working in Federal Neuro-Psychiatric Hospital, Calabar. Data was collected using observational technique and checklist designed by the researcher. The instrument was validated and reliability established with the use of Pearson Product Moment Correlation. Same was corrected with Spearman Brown prophecy formula. The reliability coefficient ranged from 0.810-0.990. Analysis was done using descriptive statistics which involve proportion, percentage, mean, standard deviation, and weighted mean. Findings of the study revealed that nurses from Federal School of Psychiatric Nursing, Calabar fairly utilize their nursing process and had overall good performance in creating an atmosphere of trust, which allows for meeting the patient’s basic emotional needs. It was therefore concluded that nurses utilized nursing process in providing comprehensive mental health nursing care to individuals and families whether at primary, secondary or tertiary healthcare settings. They also create an atmosphere of trust, which allows for meeting the patient’s basic emotional needs. Based on these findings, it was recommended among others that the school should include the program objectives in their curriculum, increase supervision of students during clinical on use of nursing process and ensure enough nursing project booklets are reproduced for use in the school and clinical area