Analyzing the Impact of Fintech Development on Indonesia’s Economic Growth: The Mediating Role of the Financial Sector’s GDP

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Fintech is identified as an innovation in the financial services industry that applies digital technology to provide faster, simpler, and more efficient financial services. From a macroeconomic perspective, the rapid growth of fintech and its contribution to the financial sector could encourage economic growth in Indonesia. This study aims to analyze the impact of fintech development on Indonesia’s economic growth through the financial sector’s GDP as a mediating variable. This study uses a quantitative method, utilizing quarterly data from 2018 to 2024, and conducts mediation analysis using the PROCESS Macro Model 4 in SPSS. The results show that the number of fintech firms has no direct significant effect on economic growth; however, it does have a significant indirect influence on growth through the financial sector. Meanwhile, total loan disbursement impacts Indonesia’s GDP directly and through the financial industry. In addition, financial services also contribute significantly to the national GDP. These results show that optimizing the economic impact of the financial sector depends on enhancing its capacity to respond to fintech innovation. The study suggests that policymakers, such as government officials and entrepreneurs, should prioritize improving financial sector integration to leverage the advantages of Fintech expansion for national economic growth.

Administration Cost and Domestic Financing in Nigeria (A Case Study of National Commission for Museum and Monuments Ile -Ife, Osun State)

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The study explored the administration cost and domestic financing in Nigeria with reference to organization of government departments and agencies regarded cost management. As regarded in this study, National Commission for Museum and Monuments Ile -Ife, Osun State was used as case study of a governmental Institution. Thus, 150 questionnaires were distributed among the museum staff in other stations and other government departments and agencies for a cross balancing of facts of the variables used in the study. Independent variable, proxied, (general administration cost) and dependent variable, proxied (internal loan). Structured questionnaire was employed as Primary data. Hypothesis was raised and tested. Chi-square statistics simple percentage, tabulation, Ordinary Least Squares (OLS) and SPSS were adopted. The study found that the Chi-Square statistics showed that general administration cost had a significant relationship on the internal loans of the Nigerian government. The study concluded that government administration cost had a significant impact on domestic financing of Nigerian government. The study recommended that national budget in running the administrative offices should be reduced and manage efficiently in order to curb excessive spending.

Laser Hermetic Welding in Implantable Medical Devices: A Comprehensive Review of Techniques, Parameters, Defects, and Reliability

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In order to protect delicate microelectronic devices from moisture-related malfunctions when exposed to the internal environment of the human body, hermetic sealing is necessary for implantable medical devices (IMDs). Due to its accuracy, automation potential, and low heat effect, laser hermetic welding has become the most popular joining technique in the manufacturing of medical devices. The application of laser hermetic welding to IMDs is thoroughly examined in this review, with particular attention paid to welding methods, crucial process variables, weld flaws, and hermeticity testing. It also describes present issues and potential paths forward for improving device performance, dependability, and miniaturization. For engineers, researchers, and manufacturers of medical devices looking to maximize hermetic packaging techniques, the review is a technical resource.

Chamomile (Matricaria Chamomilla L.) as An Anti-Inflammatory Agent for Oral Mucosa: Mechanisms and Clinical Evidence

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Matricaria chamomilla L. commonly known as chamomile is a medicinal herb widely recognized for its potent anti-inflammatory, antioxidant, and antimicrobial properties. This narrative review synthesizes current evidence on the therapeutic potential of chamomile in managing oral mucosal inflammation, emphasizing its pharmacological mechanisms and clinical efficacy. Chamomile’s major bioactive compounds including flavonoids such as apigenin and essential oils like chamazulene and α-bisabolol modulate key inflammatory pathways by inhibiting cyclooxygenase-2 (COX-2), suppress the production of proinflammatory cytokines (TNF-α, IL-1β, IL-6), and regulating NF-κB activity. These effects collectively reduce oxidative stress, inflammation, and microbial colonization in oral tissues. Clinical trials demonstrate chamomile’s efficacy in reducing symptoms and accelerating healing in conditions such as oral mucositis, recurrent aphthous stomatitis, and gingivitis. Given its favourable safety profile and multi-targeted mechanisms, chamomile represents a promising natural adjunct or alternative in oral healthcare. Further standardized clinical research is warranted to optimize its therapeutic use.

Water Quality and Microbial analysis of water collected from the ponds nearby a Cement Plant through WQI and PCA

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The present paper aims to analyze the water quality from the samples collected from the periphery of one of the cement plants located in Bhilai. Three different samples were collected in the summer season, covering the area around the cement plant considered. The samples were characterized by means of physicochemical parameters such as pH, TDS (mg/L), Turbidity (NTU), Total alkalinity (mg/L), Chloride (mg/L), Total hardness (mg/L), Fluoride (mg/L), and Nitrate (mg/L).  The Water Quality Index (WQI) for the 03 samples collected was done and was found to be 166.264, 22.207, and 46.997, respectively. The dependency of WQI on various physicochemical parameters, along with the interdependency between the individual parameters, was analyzed using the loading plot obtained using Principal Component Analysis (PCA). It could be noticed that pH and fluoride contribute more to WQI in comparison to the other parameters included in this study. Z-score variance was also plotted to analyze the comparative stretching of the values of various individual parameters recorded. In addition, microbiological analysis was conducted using serial dilution, culturing, Gram staining, and biochemical testing. The presence of Bacillus spp, Escherichia coli, Klebsiella spp, Micrococcus spp, Pseudomonas spp., and Staphylococcus aureus was detected, indicating microbial contamination and possible health risks.

Isolation and Morphological Characterization of Actinomycetes from Industrial Soils and Analysis of Their Biodiversity

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The industrial area of Bhilai was selected for soil sampling, and samples were collected from various sites. Soils near industries are affected by industrial effluents. The industrial impact on soil is primarily through chemical contamination, physical alterations, and changes in microbial communities. Five soil samples were collected from chemical, iron, and steel manufacturing regions, highlighting the diverse impacts of these industries on soil health. These samples will undergo rigorous analysis to determine the extent of contamination and assess the overall ecological risk posed to the surrounding environment. Industries are located in different areas. Soil samples were analyzed for their physical and chemical properties using standard methods. A total of 29 isolates were obtained from different soil samples. The isolates were characterized primarily by their morphology, which included size, shape, configuration, elevation, margin, pigmentation, and the presence or absence of aerial and substrate mycelia. This study provides detailed and analytical information on the distribution of actinomycetes in industrial soil. The results also revealed their ability to produce secondary metabolites that inhibit microbial growth.

Collaborating Decision-Making to Enhance Human Relations for a High Level of Administrative Efficiency

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The objective of this study was to evaluate how the implementation of a proper decision-making policy will improve human relations on a high level of administrative efficiency in line with existing policies, strategies, and standards which ensure a sustainable process to achieve an efficient and effective role in both performance management and goal achievement in the system. This inquiry used the descriptive method. The designed research instrument consists of twenty (20) highly structured questions in decision-making, which identifies four variables differentiating among types of decision, determining the amount and type of information needed, establishing priorities for action, and anticipating consequences, and twenty (20) predetermined statements on improving human relations that will determines another four variables such are: develop rapport, build trust and confidence, openness and transparency. Purposive sampling was utilized for the school heads. Selected respondents were the thirty-eight (38) school heads from junior high schools and two hundred seventy-eight (278) teachers from Division of Lanao del Norte teaching junior high schools. The study revealed a correlation between decision-making to improve human interactions and a high level of administrative efficiency. This suggests that the two variables reported by school managers and teachers are modestly connected. This demonstrates that the two groups’ reactions to decisions aimed at improving human connections have been modestly connected.

Effectiveness of Palliative Care Interventions Offering Coping Skills to Women with Gynecological Cancers: A Systematic Review

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Background and aim: Gynecological cancers, including ovarian, cervical, and uterine cancers, are among the most prevalent malignancies affecting women globally. Patients with these cancers frequently encounter substantial physical, psychological, and social challenges. This systematic review aims to evaluate the existing quantitative evidence on palliative care interventions that offer coping skills that facilitate the quality of life and psychological well-being of women with Gynecological Cancers.

Method: PubMed, Google Scholar, Clinical Key, and Cochrane Reviews databases were searched from 2000 to 2024. Articles in English with quantitative evidence were screened to determine whether the population included women with gynecological cancers, whether interventions were related to offering coping skills, whether control groups were available, and whether outcomes were related to psychological well-being and quality of life. Data were extracted to report on intervention models, outcome measures, and intervention outcomes. The risk of bias on randomization, allocation concealment, blinding, incomplete outcome data, selection of outcomes for reporting, and other biases was assessed by using the RoB 2, ROBINS I, and ROBINS E. Two independent reviewers were involved in all the above steps, with a third contributing to solving discrepancies. Meta-analysis was not done following heterogeneity assessments.

Results: Searches returned 297 unique articles, with twelve being for review. There were eight randomized controlled trials (RCT), two quasi-experimental trials, one cohort study, and one comparative study. The interventions or exposures included: group therapy based on coping strategies, supportive and coordinated care, communication therapies, mindfulness sessions, educational sessions, psychological counseling, and use of engagement in active coping and seeking social support. Seven studies measured psychological outcomes, six using multidimensional instruments. Five studies measured quality of life, and three used multidimensional instruments. Across the evaluated outcomes, the results consistently and significantly indicated benefits linked to providing coping skills. The majority of RCTs show significant (<0.05) improvement in quality of life with the coping skills from the baseline to the endpoint as interval measures and Growth curve analyses based on the intent-to-treat approach showed that participants in both the coping and communication-enhancing intervention (CCI) and supportive counseling (SC) groups reported lower levels of depressive symptoms compared to those receiving usual care In the Quasi-experimental trials survival expectancy by group interaction (β = 5.102, P = 0.044) was significant as well the patients who survived throughout the study, changes in FACT-G score were greater over time for patients with high survival expectancy in the treatment group compared to with all other patients.

Conclusion: Palliative care interventions offering coping skills are effective in supporting women with gynecological cancers. These interventions significantly contribute to enhancing their mental and emotional well-being and overall quality of life.

Patterns of Lower Gastrointestinal Endoscopic Findings at Jimma University Medical Center, Jimma, Ethiopia

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Background: Lower gastrointestinal (GI) disorders are common causes of morbidity worldwide, yet data on their prevalence and patterns within resource-limited settings like Ethiopia remain scarce. Endoscopy is a vital diagnostic and therapeutic tool for these conditions.

Objectives: To assess the patterns of lower GI endoscopic findings at Jimma University Medical Center (JUMC) and explore associations with demographic and clinical variables.

Methods: This retrospective, descriptive cross-sectional study included 216 adult patients (≥15 years) who underwent lower GI endoscopy at JUMC from September 9, 2021, to September 8, 2022. Patients with incomplete records or repeat procedures were excluded. Data on demographics, indications, and findings were collected using a structured tool and analyzed with SPSS v29.0. Descriptive statistics summarized the data; chi-square and multivariate logistic regression tested associations, with significance at p<0.05.

Results: Of 230 procedures, 216 met inclusion criteria. The mean age was 43.6 ± 16.2 years, with a male predominance (68.5%). The most common indication was lower GI bleeding (35.2%). Hemorrhoids were the most frequent endoscopic finding (46.3%), followed by colorectal polyps (21.2%) and colorectal cancer (11.1%). Benign lesions predominated, but the notable prevalence of polyps and cancers underscores the importance of early detection strategies.

Conclusions: Benign conditions, especially hemorrhoids, are prevalent among patients undergoing lower GI endoscopy at JUMC. However, the significant rates of polyps and cancers underscore the importance of expanding endoscopic services, enhancing training, and implementing community screening programs to improve early detection and management.

Learning-Based Animation Education in The Post-Covid Era at SMKN 2 Cimahi

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Animation learning at the vocational high school level in the last 5 years has experienced three paradigm changes in the teaching and learning process, namely offline learning before Covid-19, online learning during Covid-19 and blended learning in the post-Covid-19 period. This study aims to describe the conditions of animation learning with blended learning in the post-covid period in the Animation Study Program of SMKN 2 Cimahi. This study uses a qualitative approach with a case study method. Data collection techniques are carried out by interview and observation. The results of the study show that the results of learning with the blended learning method can improve students’ animation skills better than during the learning period with the full online method.