The Impact Of Ai-Powered Mobile Money System On Supply Chain: Multi-Cases From Smes In The Global South, Mostafa Mohamad, Michael Nii Laryeafio, Ebimoboere Koroye, Derick Nyame, Samuel Ayertey, Adelina Emini

All Works

This study explores the effects of adopting an artificial intelligence (AI)-powered mobile money system (AI-MMS) on supply chain operations among small and medium-sized enter-prises (SMEs) in the Global South. The authors developed a new version of Rogers’ Diffusion of Innovation model (DoI) that considers the geopolitical context and environmental fac-tors, including regulatory framework, trust, risk and complexity, to help understand how AI-MMS can enhance transactional efficiency in SMEs and bridge the financial inclusion gap. Using qualitative methods, we conducted 40 semi-structured interviews with SME owners in Abuja, Lagos, Kaduna, Kano and Port Harcourt and found that AI-MMS enhanced their logistics …

Modelling Land Use Land Cover Change In Banyumas Regency Using Remote Sensing Data For Tourism Policy Evaluation, Revi Hernina, Arif Wicaksono, Adi Wibowo, Astrid Damayanti

Jurnal Geografi Lingkungan Tropik (Journal of Geography of Tropical Environments)

Tourism is essentially a geographical phenomenon, encompassing the movement and flow of people and spatial distribution patterns relating to land use consumption. The impacts of tourism on LUCC must track and monitor regrading effected to environment and human side. For decades, Banyumas Regency has been known for its famous tourist destinations such Baturaden District and numerous waterfalls. However, the development of tourism infrastructures within its vicinity has sparked complaints from communities, particularly damaged roads and decreasing tourist visits. From environmental perspective, excessive tourism development might cause decreasing natural carrying capacity. Therefore, to provide deeper analysis regarding the current tourism development, …

A Strengths, Weaknesses, Opportunities, And Threats (Swot) Analysis Of Chatgpt In Academic Help-Seeking, Fan Yang

International Journal of Teaching and Learning in Higher Education

This study explores the use of ChatGPT as a help-seeking tool in educational contexts, examining both its potential benefits and costs through a SWOT (Strengths, Weaknesses, Opportunities, and Threats) analysis. The purpose is to provide a comprehensive understanding of the various internal and external factors that either promote or hinder the use of ChatGPT for academic help-seeking. The strengths of ChatGPT, such as its 24/7 availability to provide immediate responses, non-judgmental tone, and the ability to provide personalized help based on specific prompts, position itself as a valuable resource for help-seekers. However, the low quality of the responses generated by …

Group Conformity And The Amplification Of Deviance: A Comparison Of Hutterite And Mormon Dress Codes, Bron B. Ingoldsby

Communal Societies

No abstract provided.

The World Of Poor Eve: Re-Defining Women’S Roles In Nineteenth Century Utopian Communities, Deidre Hughes

Communal Societies

No abstract provided.

They Blog, Therefore They Think: Composition 2.0 And Blogging Toward Democracy, Lorie Jacobs

Fast Capitalism

No abstract provided.

Time-Space Compression And The Role Of Television In Delillo’S White Noise And Wallace’S “Little Expressionless Animals”, Andrew H. Banecker

Fast Capitalism

No abstract provided.

Yield-To-Maturity And The Reinvestment Of Coupon Payments: Reply

Journal of Economics and Finance Education

Our original note addressed a common misconception that to earn the yield-to-maturity (YTM) on a coupon bond an investor must reinvest the coupon payments. Shirvani and Wilbratte (2009) take issue with our presentation and results. We will demonstrate that their arguments entirety rest on the proposition that the YTM must equal the realized compounded yield (RCY). This is a construct that explicitly assumes coupon reinvestment. We made no claim in our original presentation with regard to their proposition, because it is not required to calculate the YTM. Furthermore, we will discuss their claims with regard to the “economic significance” of …

Yield To Maturity Is Always Received As Promised: A Reply

Journal of Economics and Finance Education

This note attempts to further spell out why it is a myth that YTM is viewed as only a promised but not really earned interest rate. It addresses some misconceptions in Shirnani and Wilbratte (2009, this issue) on what, between YTM and RCY, is a true rate of return of a coupon bond, why YTM is NOT just a “fictitious mathematical construct”, and why YTM has nothing to do with yield curve.

The Relationship Between The Promised And Realized Yields To Maturity Revisited

Journal of Economics and Finance Education

This paper reaffirms the long-held view that the promised yield to maturity of a coupon bond can be realized only under certain restrictive conditions. Specifically, the realized yield equals the promised yield only if the spot rate and yield curves are flat and remain unchanged throughout the term of the bond, a condition which rarely if ever holds. In addition, we explain that, regardless of the reinvestment rates, the promised yield on a coupon bond will be realized, provided that the bond is held not to its maturity but to its duration.

Parsimonious Expected Utility And In-The-Large Risk Premiums For The Undergraduate Curriculum

Journal of Economics and Finance Education

Expected utility theory, Pratt and Arrow’s risk premium, and the Markowitz risk premium are based upon Von Neumann and Morgenstern’s five axioms of cardinal utility. The derivation of these measures from these axioms is generally considered too mathematically sophisticated for the undergraduate curriculum. This leaves a wide gap in the foundation of financial theory for the undergraduate. An alternative simplified presentation of expected utility that is suitable for the undergraduate curriculum, and that avoids the nuances and complexities of the traditional mathematically more complete derivation, is presented here. In addition, an easily derived in-the-large risk premium is shown to be …

Time Spent Online And Student Performance In Online Business Courses: A Multinomial Logit Analysis

Journal of Economics and Finance Education

This study examines the determinants of academic achievement in online business courses. As a measure of effort, we use the total amount of time each student spent in the course. We estimate a multinomial logistic model to examine the odds of attaining one grade versus another depending on time spent online, GPA, and some demographic characteristics of students. Our findings suggest that extra effort can help a student move from letter grades F, D and C to grade B, but is less helpful for the move from B to A. For the latter improvement, a high GPA matters the most.

The Effects Of Antihistamines On Drowsiness, Symptom Relief, And Restless Leg Syndrome, Suki Kaur

Posters-at-the-Capitol

“Antihistamine” categorizes a large selection of drugs, all with different side effects and user experiences. This study explores the relationships between allergy medicine usage, side effects, symptom relief, and Restless Leg Syndrome (RLS) using data collected from 113 participants of an anonymous online survey. Five hypotheses were tested using chi-square analyses of independence at a significance level of 0.05. The data revealed a strong statistical association between first-generation antihistamine (Benadryl) use and drowsiness, misuse of allergy medicine and RLS, drowsiness and RLS, and duration of use and routine disruption. The data did not find a statistically significant relationship between relief …

Digital Morality And National Values: Pancasila As An Ethical Compass For Technology-Enhanced Counseling In Indonesia, Dominikus David Biondi Situmorang, Hendrik Tuaputimain, Muqaffi Muqaffi, M. Solehuddin

Buletin Konseling Inovatif

The very fast development of Artificial Intelligence (AI), Virtual Reality (VR), Augmented Reality (AR), and Mixed Reality (MR) in the last decade have changed the way of mental health practice internationally, including Indonesia. Although these technologies extend reach, deepen therapeutic engagement, and facilitate clinical analysis, they also present serious ethical challenges with respect to privacy, algorithmic bias, depersonalization, and disparity. This integrative review draws on literature from counseling, digital ethics, immersive technologies, and Indonesian philosophical studies to consider how Pancasila can serve as a culturally situated ethical guide for technology-mediated counseling. The results disclose four overarching themes: shifting role of …

Affirming Spaces For Reflection, Olivia J. Chu

Teaching and Learning Together in Higher Education

No abstract provided.

Taking Note Of Note-Taking And Note-Reading Experiences: Student And Faculty Partners’ Reflections On Observations In Classroom-Based Pedagogical Partnerships, Alison Cook-Sather

Teaching and Learning Together in Higher Education

No abstract provided.

Agro-Ecotourism In Ciputri Village: Evaluating Potentials And Strategies For Sustainable Tourism Development, Inanditya W. Putri, Hafid Setiadi

Jurnal Geografi Lingkungan Tropik (Journal of Geography of Tropical Environments)

Sustainable rural tourism development requires integrated planning that balances environmental conservation, community participation, and local economic growth. Agro-ecotourism has emerged as an important approach to support village-based tourism development in environmentally sensitive areas. Ciputri Village in Cianjur Regency has been designated as a tourism village and possesses considerable agro-based and ecological potential. However, tourism development remains suboptimal due to limited public awareness, low visitor numbers, and fragmented strategic planning. This study aims to assess agro-ecotourism potential and to formulate priority development strategies. An integrated approach combining Participatory Geographic Information Systems (P-GIS), SWOT-based EFAS/IFAS analysis, and the Analytic Hierarchy Process (AHP) …

Interpretable Linear Models For Heart Disease Prediction: A Comparative Study, Dipok Deb, Emran Hossain

Data Science and Data Mining

Heart disease remains a leading cause of mortality worldwide, underscoring the importance of accurate and transparent methods for early diagnosis. While many machine learning and artificial intelligence models have demonstrated strong predictive performance, their limited interpretability poses challenges for clinical adoption. In this study, we evaluate three interpretable linear classification models—Generalized Linear Model (GLM) logistic regression, L1-regularized (Lasso) logistic regression, and Linear Discriminant Analysis (LDA)—for heart disease prediction using the Cleveland Heart Disease dataset. Following comprehensive data preprocessing, the models are assessed on a held-out test set using standard evaluation metrics, including accuracy, precision, recall, F1-score, and the area under …

Understanding Gender Differences In Academic Achievement Among Engineering Students, Luai Al Labadi, Mohammad Saleh Bataineh, Lim Kyuson, Nida Siddiqui

International Journal for Research in Education

In recent years, a noticeable shift has occurred in academic performance, with females consistently outperforming males in mathematical engineering courses. To investigate the factors contributing to this trend, we conducted a comprehensive survey at a main university in UAE. Analyzing data from 431 engineering students, we found that the time spent studying outside the classroom plays a pivotal role, evidenced by a statistically significant p-value of 0.04, contributing to the gender-based performance disparity. Building upon these findings, we propose short-term solutions that instructors and universities can implement promptly to address this issue. This study underscores the importance of ongoing institution-level, …

Concurrent And Longitudinal Predictions Of Math Anxiety, Science Anxiety, And Enrollment In Science And Art Tracks In Secondary Education, Ahmed Megreya, Ahmed Al-Emadi

International Journal for Research in Education

The worldwide need for STEM (Science, Technology, Engineering, and Mathematics) expertise highlights the critical importance of examining education-related emotions that shape students’ educational pathways and career decisions. Using a sample of tenth-grade students from Qatari schools (N = 391) and a follow-up sample in eleventh grade (N = 350), after their enrollment in either the art or science track, the present study examined the concurrent and longitudinal predictions of math anxiety, science anxiety, and track enrollments in secondary education. The science track attracted a larger number of male students, whereas the art track drew a higher proportion of female students. …

The Role Of School Evaluation And Accreditation In The Professional Development Of Female Science Teachers In Al-Majma'ah Governorate, Asmaa Muhammad Alqutaim

International Journal for Research in Education

The study aims to explore the role of school evaluation and accreditation in the professional development of science teachers in Al-Majma'ah governorate. The sample consisted of (217) female science teachers in the governorate, and the study followed a descriptive survey methodology. The researcher designed a questionnaire comprising (41) statements across three domains: professional values and responsibilities, professional knowledge, and professional practice. The study reached several key findings, most notably: a high degree of agreement among participants on the role of school evaluation and accreditation in developing professional values and responsibilities, professional knowledge, and professional practice, from the perspective of science …

Awareness And Attitudes Of Students Visiting Non-Formal Science Education Centers (Stem Oman) Stem-Based Careers, Wafa Issa Alsiyabi, Ali Huwaishal Alshuaili

International Journal for Research in Education

The study aimed to explore the knowledge and attitudes of second-cycle students visiting non-formal STEM (Science, Technology, Engineering, and Mathematics) education centers in the Sultanate of Oman. It employed a descriptive methodology in collecting and analyzing data, where quantitative data were gathered through two questionnaires: one to measure knowledge comprising 22 items, and the other to measure attitudes comprising 64 items. These questionnaires were distributed to a convenient sample of 76 male and female students. Data were analyzed using the Statistical Package for the Social Sciences (SPSS).

The research findings revealed that second-cycle students exhibited a high level of knowledge …

Enhancing Sustainable Cooling Solutions: Investigating Spot Radiant Cooling Systems Performance And Influence On Indoor Comfort In Hot Climates, Norhane Eldeeb, Ahmed Ahmed Fikry, Abbas Mohamed Elzafarany, Ehab El Shazly, Hinar Abo El-Maged

HBRC Journal

In hot climates, demand for effective sustainable cooling strategies to maintain comfort is high. Nevertheless, conventional radiant cooling systems are often hindered by condensation risks and complex control requirements in partially occupied spaces. To address these challenges, at top inlet conditions of approximately 26°C and 50% Relative Humidity) RH (, three-dimensional CFD simulations validated against the 1.405 kW reference case of Shin et al. were performed to quantify the effect of installation height and panel geometry on spot radiant cooling performance. Lowering the flat CRCP from 2.6 m to 2.2 m reduced volume averaged air temperature (T_a) …

Leveraging Blockchain Technology In Mining Supply Chain Management: Vietnam Coal Mining Case Study, Thu Hang Nguyen, Nguyen Trung Tuan, Hong Anh Le

Journal of Sustainable Mining

The global economy heavily relies on the mining industry for essential resources such as coal, oil, gas, and metal ores. However, the intricate nature of mining operations poses significant challenges in supply chain management (SCM). This research investigates how blockchain technology can address these challenges within mining supply chain management (MSCM). Through a systematic review of existing research and projects, a conceptual blockchain model is proposed to improve mining supply chains’ transparency, traceability, efficiency, and sustainability, specifically focusing on coal supply chain management in Vietnam. The model integrates distributed ledgers, smart contracts, IoT devices, identity management, and consensus mechanisms to …

The Student Movement Volume 110 Issue 11: A Snowy Start To Spring Semester, Corinna Bevier, Audrey Lim, Addison Randall, Jj Nixon, Megan Constantine, Joey Carrion, Isa Demoraes, Caleb Chung, Aiko J. Ayala Rios, Reagan Westerman, Joseph Piresson Ii, Anna Rybachek, Maya Thomas

The Student Movement V. 110 (2025-2026)

ARTS & ENTERTAINMENT

In the Doghouse: Canine Awarded for Acting Performance, Corinna Bevier

On the Trump-Kennedy Center, Audrey Lim

Students Step Up as Wind Symphony Keeps Winter Concert Alive, Addison Randall

HUMANS

Senior Spotlight: Derek Wonenberg, JJ Nixon

Lessons From 2025, Goals For 2026, Megan Constantine

NEWS

Spring Convocation Offers Spiritual Exhortation and Academic Celebration, Joey Carrion

Andrews University Experiences GYC, Isa DeMoraes

IDEAS

Finding Balance between Grind and Chill, Caleb Chung

The Price of Being an International Student (and How to Address It), Aiko J. Ayala Rios

The Internet: Tool or Foe?, Reagan Westerman

Op-Ed: A Letter for Better …

Characterization Of Ru(Ii) Polypyridyl Photosensitizers Bound To Tio2 Supports Through A New Covalent Metal-Ester Bonding Motif, D. M. S. C. Dissanayake, Christopher T. Lebarron, Laura C. Maybach, Joseph J. Kuchta Iii, Seyyedamirhossein Hosseini, Aaron K. Vannucci

Faculty Publications

The development of photoelectrochemical (PEC) devices involves the attachment of molecular photosensitizers onto solid supports. Particularly significant to this work are PECs that rely on ruthenium-based photosensitizers on high band gap metal oxide (MOx) supports. In this study, we have explored a new ester binding motif (MOx-ester) to covalently attach a ruthenium polypyridyl photosensitizer to TiO₂. This new MOx-ester photoanode is compared to the traditional photoanodes that utilize acid/base binding groups to attach the molecular Ru sensitizers to TiO₂. The new MOx-ester binding motif is characterized by cyclic voltammetry UV-Vis, solid state ¹³C NMR, and …

The Hidden Opportunities Within The Stem Workforce Pipeline, Brad Schenker

STEM for Success Showcase

_{Five Connections in STEM Education That Can Harmonize America's Workforce Pipeline}

The recent changes to our education system have created a state of uncertainty and instability, which presents a unique moment in time to change systemic design failures that can be accomplished within existing budget, people and resource constraints.

This analysis of research, mostly from 2015-2025, identifies five opportunities in the STEM workforce pipeline to create “Moments of Impact” that can change the direction of a student's STEM education pathway.

Patient-Specific Lumped-Parameter Model For Quantifying Vessel-Specific Remodeling And Predicting Right Ventricular Function In Pulmonary Hypertension, Christopher G. Lechuga, Amirreza Kachabi, Mitchel J. Colebank, Claudia E. Korcarz, Farhan Raza

Faculty Publications

Purpose: Pulmonary hypertension (PH) is a heterogeneous disease with patient-specific variability and vessel-specific remodeling, which eventually lead to right ventricular (RV) failure. The gold standard for RV assessment—pressure–volume (PV) loop acquisition—is invasive and limited to specialized settings. This study aims to develop a patient-specific lumped-parameter model that quantifies vessel-specific remodeling and simulates RV PV loops across PH phenotypes using routine clinical data.

Methods: A lumped-parameter model was calibrated using right heart catheterization and echocardiography data. Model agreement was assessed by R2 values for pressure and flow goodness-of-fit, and model-derived hemodynamic metrics were comparedwith clinical values. A dimensionality reduction approach was …

Promoting Equitable Early Childhood School Readiness Through Prevention And Advocacy In A Rural Community, Teri Kimberling

Selected Social Change Portfolios in Prevention, Intervention, and Consultation

Goal Statement

The goal of this Social Change Portfolio is to promote healthier developmental outcomes for young children in our rural community by increasing access to early childhood readiness supports that prevent social-emotional and behavioral difficulties in kindergarten.

Significant Findings

Early childhood school readiness is a significant public health and mental health concern in the rural coastal community of Lincoln County, Oregon. A large number of children enter kindergarten without any school readiness, whether it was in a formal preschool or just done at home. This can be due to many factors, including socioeconomic disparities, such as high poverty rates, …

A Systematic Review Of Cyber Risk Analysis Approaches For Wind Power Plants, Muhammad Arsal, Tamer Kamel, Hafizul Asad, Asiya Khan

School of Engineering, Computing and Mathematics

Wind power plants (WPPs), as large-scale cyber–physical systems (CPSs), have become essential to renewable energy generation but are increasingly exposed to cyber threats. Attacks on supervisory control and data acquisition (SCADA) networks can cause cascading physical and economic impacts. The systematic synthesis of cyber risk analysis methods specific to WPPs and cyber–physical energy systems (CPESs) is a need of the hour to identify research gaps and guide the development of resilient protection frameworks. This study employs a Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) protocol to review the state of the art in this area. Peer-reviewed studies published …