Digital Commons Network^™

Understanding Formal Financial Access In Indonesia: Evidence From Micro Data, M. Aulia Rachman, Yozi Aulia Rahman, Maulida Dewi Pangestika, Risanda Alirastra Budiantoro

Economics and Finance in Indonesia

This study examines the determinants of access to formal financial institutions using secondary household survey data from Indonesian Family Life Survey, Wave 5 (IFLS-5). Logistic regression analysis reveals that loan amount, savings, education level, age, housing status, and internet usage are positively and significantly associated with greater access. Individuals with higher savings, higher education, and homeownership exhibit a higher probability of utilizing formal financial services. Although the significance of internet usage varies across models, it remains a strong predictor when properly controlled, particularly due to its role in enhancing digital literacy. In contrast, income and health insurance ownership do not …

Beyond Numbers: Governance, Capital Structure, And The Contribution Of Village Cooperatives To Regional Economic Output In Indonesia, Mohamad Dian Revindo, M. Fajar Ramadhan, Nia Kurnia Sholihah, Indri Br Situmorang, Hilda Fachrizah

Economics and Finance in Indonesia

Although cooperatives are widely regarded as an important part of Indonesia’s economy and have a  large membership base, the contribution of cooperatives to regional economic output in Indonesia has never been systematically examined. This study provides the first multi-year, fixed-effects panel evidence of cooperative–GRDP linkages for all 34 Indonesian provinces (2017–2023) in a Cobb-Douglas production function framework with province and year fixed effects. Two outcome variables are estimated: Gross Regional Domestic Product (GRDP) and the Unemployment Rate (Unemp). The findings indicate that active cooperatives are associated with higher provincial GRDP and lower open unemployment; despite, the associations should be read …

Beyond The Generations: Building A High-Quality Workplace For An Age-Diverse Workforce, Cal J. Halvorsen, Bruna C. Lopez, Erika Sabbath

Brown School Faculty Publications

At a time when the U.S. is more age diverse than ever before, Americans are extending their careers for financial stability, social connection, and purpose. This article provides a brief background on the history of aging and work, from the late 1800s to present, illustrating the influence that public and organizational policies, as well as personal needs and interests, have on labor force participation. It then provides examples for how employers can create better workplaces for people of all ages, concluding with the case for why more age-inclusive workplaces lead to better results for employees, their families, and their employers.

Indigenous Child Language Research Center Report 3, Saad K’Idilyé, Indigenous Child Language Research Center

Indigenous Child Language Research Center

This report shares some of the preliminary finding of the research work that is being conducted by the Indigenous Child Language Research Center. The ICLRC aims to report to their community partner, Saad K’idilyé, the results of their groundbreaking work. This information is typically delivered in person at a planned meeting. This research is long-term and the data is being prepared for optimal analysis to be shared through published works, workshops, and conference presentations.

Indigenous Child Language Research Report 2, Saad K’Idilyé, Indigenous Child Language Research Center

Indigenous Child Language Research Center

This report shares some of the preliminary finding of the continued research work that is being conducted by the Indigenous Child Language Research Center. The ICLRC aims to report to their community partner, Saad K’idilyé, the results of their groundbreaking work. This information is typically delivered in person at a planned meeting. This research is long-term and the data is being prepared for optimal analysis to be shared through published works, workshops, and conference presentations.

Patchfuzz: Patch Fuzzing For Javascript Engines, Junjie Wang, Zhihua Xie, Xiaofei Xie, Xiaoning Du, Xiangwei Zhang

Research Collection School Of Computing and Information Systems

Context: Patch fuzzing is a technique aimed at identifying vulnerabilities that arise from newly patched code. While researchers have made efforts to apply patch fuzzing to testing JavaScript (JS) engines with considerable success, these efforts have been limited to using ordinary test cases or publicly available vulnerability PoCs (Proof of Concepts) as seeds, and the sustainability of these approaches is hindered by the challenges associated with automating the PoC collection. Objective: To address these limitations, we propose an end-to-end sustainable approach for JS engine patch fuzzing, named PatchFuzz. Method: It automates the collection of PoCs of a broader range of …

A Pruning-Based Question-Answering For Interactive Video Search: A Simple Baseline, Yu Tong Cheng, Phuong Anh Nguyen, Chong-Wah Ngo

Research Collection School Of Computing and Information Systems

There are various factors affecting the performance of video search. An imprecise query will enlarge search space and reduce the discriminative power of ranking functions. This problem is further exacerbated by the presence of numerous visually or semantically similar videos in large datasets. Consequently, users need to painstakingly browse through many highly similar candidates to locate the search target, leading to increased cognitive load and inefficient searching. Ideally, engaging users through interactive questioning to resolve uncertainties in the search process is an effective strategy for progressively narrowing down the search space. However, despite rapid advances in deep learning, generating informative …

Benchmarking Gaslighting Negation Attacks Against Multimodal Large Language Models, Bin Zhu, Yinxuan Gui, Huiyan Qi, Jingjing Chen, Chong-Wah Ngo, Ee-Peng Lim

Research Collection School Of Computing and Information Systems

Multimodal Large Language Models (MLLMs) have exhibited remarkable advancements in integrating different modalities, excelling in complex understanding and generation tasks. Despite their success, MLLMs remain vulnerable to conversational adversarial inputs. In this paper, we systematically study gaslighting negation attacks—a phenomenon where models, despite initially providing correct answers, are persuaded by user-provided negations to reverse their outputs, often fabricating justifications. We conduct extensive evaluations of state-of-the-art MLLMs across diverse benchmarks and observe substantial performance drops when negation is introduced. Notably, we introduce the first benchmark GaslightingBench, specifically designed to evaluate the vulnerability of MLLMs to negation arguments. GaslightingBench consists of multiple-choice …

Sam3-Litetext: An Anatomical Study Of The Sam3 Text Encoder For Efficient Vision-Language Segmentation, Chengxi Zeng, Yuxuan Jiang, Ge Gao, Shuai Wang, Duolikun Danier, Bin Zhu, Stevan Rudinac, David Bull, Fan Zhang

Research Collection School Of Computing and Information Systems

Vision-language segmentation models such as SAM3 enable flexible, prompt-driven visual grounding, but inherit large, general-purpose text encoders originally designed for open-ended language understanding. In practice, segmentation prompts are short, structured, and semantically constrained, leading to substantial over-provisioning in text encoder capacity and persistent computational and memory overhead. In this paper, we perform a large-scale anatomical analysis of text prompting in vision–language segmentation, covering 404,796 real prompts across multiple benchmarks. Our analysis reveals severe redundancy: most context windows are underutilized, vocabulary usage is highly sparse, and text embeddings lie on a low-dimensional manifold despite high-dimensional representations. Motivated by these findings, we …

Group Conversational Agents: A Review Of Designs That Support And Shape Group Interaction, Shunyi Yeo, Tianyi Zhang, Scott Bateman, Gary Hsieh, Young-Ho Kim, Simon Tangi Perrault, Jiannan Li, Anthony Tang

Research Collection School Of Computing and Information Systems

Conversational agents that participate in or mediate group interaction introduce challenges that extend beyond supporting individual users, raising new questions about how agents participate in and influence groups. To characterise this emerging design space, we present a systematic review of 53 peer-reviewed studies on group conversational agents (GCAs). We analyse how GCAs intervene in group-level processes, including participation regulation, conflict mediation, task alignment, and execution support. Using concepts from group research as an analytic lens, we organise prior GCA work around recurring group interactional challenges (orientation, conflict, alignment, and execution), and examine the roles agents are designed to play in …

Language Embeddings Meet Shallow Autoencoders, Rodrigo Alves, Vojtěch Vančura, Pavel Kordík, Antoine Ledent

Research Collection School Of Computing and Information Systems

Shallow autoencoders are appealing recommenders due to their simplicity, scalability, and competitive retrieval quality, but they struggle in strict cold-start settings where new items have no interactions. We propose an inductive shallow autoencoder that leverages item side information (language embeddings) by fixing the decoder to item features and learning only an encoder in the same semantic space. To prevent trivial self-reconstruction without enforcing a hard zero diagonal, we introduce diagonal gating: a leave-one-item-out objective that blocks the self-copy shortcut only for the item being updated while retaining context from the rest of the user history. An alternating-style optimization trains the …

Ppg-Sport: A Dataset For Reliable Heart Rate Monitoring From Wrist Ppg Under Dynamic Sports Conditions, Changshuo Hu, Hung Manh Pham, Yiming Zhang, Guanru Yan, Xiao Ma, Yuezhong Wu, Thivya Kandappu, Archan Misra, Dong Ma

Research Collection School Of Computing and Information Systems

Photoplethysmography (PPG) has become a cornerstone of physiological sensing in wearable devices, enabling non-invasive monitoring of heart rate and related biomarkers. However, its reliability deteriorates sharply under dynamic, high-intensity, or non-periodic motions such as those in sports, where existing datasets fail to capture realistic wrist dynamics. To address this gap, we introduce PPG-Sport, the first large-scale dataset designed for heart rate monitoring from wrist-worn PPG under real sports conditions. The PPG-Sport dataset includes synchronized PPG, inertial measurement unit (IMU), and electrocardiography (ECG) recordings from both wrists of 30 participants across six representative activities: stationary, walking, running, badminton, table tennis, and …

Anatomical Domain Shifts: Test-Time Heterogeneous Adaptation For 3d Human Pose Prediction, Qiongjie Cui, Pan Zhou, Jingjing Chen, Na Zhao

Research Collection School Of Computing and Information Systems

The research frontier in human pose prediction (HPP) is advancing toward continual test-time adaptation (TTA), where models must self-adapt to dynamic test distributions. To date, the homeostatic continual TTA remains the sole viable solution, which isolates the model parameters and update domain-sensitive ones. Despite mitigating full-body domain gaps, human anatomical heterogeneity (domain shifts often localize to specific regions) is ignored. This anatomical-agnostic approach forces uniform parameter adaptation across kinematically distinct segments, causing: over-adaptation of stable regions and under-adaptation of shift-prone articulations. To address it, we introduce TT-HA, a novel Test-Time Heterogeneous Adaptation that implicitly estimates domain changes for anatomical segments, …

History To Future: Evolving Agent With Experience And Thought For Zero-Shot Vision-And-Language Navigation, Guangzhao Dai, Shuo Wang, Zihan Wang, Guo-Sen Xie, Yang Yang, Jinshan Pan, Qianru Sun, Xiangbo Shu

Research Collection School Of Computing and Information Systems

Vision-and-Language Navigation in Continuous Environment (VLN-CE) requires an agent to follow language instructions to navigate the target destination. With the advancement of large language models (LLMs), recent efforts have explored adapting them for zero-shot VLN-CE, offering a promising solution in addressing the drawbacks of poor generalization in the training-based paradigm. However, existing LLM-based works primarily perform naive reasoning for decision-making and lack feedback, e.g., reviewing historical errors and predicting future potentials. Consequently, it may suffer from continuous failure for those initial error tasks. In this paper, we rethink LLM-based zero-shot VLN-CE and propose a new paradigm, named EvoNav, to improve …

How Do Machine Learning Models Change?, Joel Castaño, Rafael Cabañas, Antonio Salmerón, David Lo, Silverio Martínez-Fernández

Research Collection School Of Computing and Information Systems

The proliferation of Machine Learning (ML) models and their open source implementations has transformed AI research and applications. Platforms like Hugging Face (HF) enable this evolving ecosystem, yet a large-scale longitudinal study of how these models change is lacking. This study addresses this gap by analyzing over 680,000 commits from 100,000 models and 2,251 releases from 202 of these models on HF using repository mining and longitudinal methods. We apply an extended ML change taxonomy to classify commits and use Bayesian networks to model temporal patterns in commit and release activities. Our findings show that commit activities align with established …

Genetic Ancestry-Concordant Ceramide Metabolism And Response To Androgen Receptor Pathway Inhibition In Metastatic Castration-Resistant Prostate Cancer, Sean Piwarski, Lauren Howard, Morgan Paul, Nick Bachelder, Bonnie Lacroix, Angela Clayton, Donna Allen, Julie Kephart, Andrew Armstrong, Steven Patierno, Daniel George, Terry Hyslop, Jennifer Freedman

Department of Pharmacology, Physiology, and Cancer Biology Faculty Papers

BACKGROUND: The authors observed differences in response between Black and White patients with metastatic castration-resistant prostate cancer (mCRPC) who were treated prospectively with androgen receptor pathway inhibition (ARPI) in the Abi Race and PANTHER studies. In addition, genetic ancestry-related single nucleotide variants in ceramide metabolism genes were associated with the time to prostate-specific antigen progression in the Abi Race study. For this report, the authors analyzed ceramide metabolites and their association with response to ARPI treatment in the Abi Race and PANTHER studies.

METHODS: Fasting serum levels were obtained from 22 Black patients and 22 White patients in the Abi …

From Institutions To Families: Assessing The Progress Of Egypt’S National Strategy For Alternative Child Care Reform, Yasmine M. El Hagry

Theses and Dissertations

This study serves as a critical mid-term review of the Egyptian National Strategy for Alternative Care for Children and Youth without Parental Care (NACS) (2021-2030). The 10-year strategy overall goal is to shift from institutional care, such as orphanages, to family-based care, such as kafala, the Islamic alternative to legal adoption, for children deprived of parental care. While the global literature strongly advocates deinstitutionalization, empirical research on the operational risks and unintended harms that can arise during such complex transformations remains scarce.

Adapting the International Civil Service Effectiveness (InCiSE) Framework, this research uses a qualitative approach to diagnose the …

The Mystical Soundscape And The Functions Of Commentaries On Ibn Al-Fāriḍ’S (D. 632/1235) Naẓm Al-Sulūk, Sherine Mohsen Aboulwafa

Theses and Dissertations

This thesis examines Ibn al-Fāriḍ’s Naẓm al-Sulūk and its earliest commentaries by al-Farghānī (d. 700/1300) and al-Tilimsānī (d. 690/1291) through the analytical framework of the mystical soundscape. Rather than treating the poem and its commentaries as static texts, it argues that meaning in this corpus emerges as an experiential and perceptual event sustained through sound, silence, and reception. The mystical soundscape is conceptualized as comprising two interrelated domains: a silent soundscape, formed through reading, memory, imagination, and conceptual engagement; and an audible soundscape, formed through recitation, pronunciation, rhythm, and communal audition. These domains are linked by the experience of bewilderment …

Turning Boycott Into A Sustainable Opportunity: Leveraging Boycott To Boost Local Production And Enhance Local Market Competitiveness In Egypt, Alaa Maher

Theses and Dissertations

While existing literature largely concentrates on the consumer behavior dimensions of boycotts, limited attention has been paid to their structural economic implications for FDI and local production. This paper frames the 2023 boycott campaign as a demand shock in Egypt’s food and beverages sector. Dependency theory is applied to assess the pre-boycott stage, where MNCs’ market power created structural dependencies within the sector. Dynamic capabilities theory is employed to explain the heterogeneity in firm responses during the boycott and their attempts to acquire sustainable market share. Using a multi-case study design, qualitative in-depth interviews were conducted across 16 firms in …

The Impact Of Corruption On Private Investment In The Mena Region: An Empirical Study On The Period Of 1996-2023, Mohamed A. El Regdawy

Theses and Dissertations

This study aims to examine and understand empirically the impact of corruption on private investment in the MENA region during the period of 1996-2023, as private investment is a key enabler for sustainable economic growth. To better understand such a relationship, a Pooled Mean Group estimator was implemented to figure out this relationship in both the short run and long run. The findings confirm that in the long run, within the context of MENA, corruption was used as a tool to overcome the lack of quality in the regulations that were supposed to enable the role of the private sector. …

Submittal Of Mixed Waste Landfill Annual Long-Term Monitoring & Maintenance Report, April 2025-March 2026 For Sandia National Laboratories/New Mexico, Epa Id Number Nm5890110518, June 2026, Sandia National Laboratories/Nm

Facilities-Units

The Department of Energy/National Nuclear Security Administration (DOE/NNSA) and Sandia National Laboratories /New Mexico (SNL/NM) personnel submitted the Mixed Waste Landfill (MWL) Annual Long-Term Monitoring and Maintenance Report for the April 2025 through March 2026 reporting period to the New Mexico Environment Department (NMED) in accordance with the MWL Long-Term Monitoring and Maintenance Plan (LTMMP) Section 4.8.1. The LTMMP became effective on January 8, 2014.

The MWL is a 2.6-acre Solid Waste Management Unit (SWMU 76) located in the north-central part of Technical Area III at SNL/NM that has undergone corrective action. As of March 13, 2016, the NMED February …

Update: Colorado River Basin Storage Continues Slide Toward System Crash, Anne Castle, Jack Schmidt, Eric Kuhn, Kathryn Sorensen, Katherine Tara

The Traveling Wilburys of the Colorado River

If the Colorado River Basin (Basin) experiences another dry year, similar to Water Year 2025, it is likely that reasonably accessible storage in Lake Powell and Lake Mead would be mostly depleted, even if consumptive uses and losses are at or near historic lows. Run-of-the-river operations would shortly ensue. This would be an outcome with devastating consequences. In contrast, if next year is very wet, similar to Water Year 2023, the Basin’s largest federal reservoirs would recover somewhat, but would provide only about two years of cushion before we find ourselves again in the same position we are in today, …

An Analysis Of Public Library Services For The Tribal Community In Rayalaseema Region With A Special Reference To Healthcare And Hygiene, P Ramu Naik Mr, V. K. Dhanyasree Dr

Library Philosophy and Practice (e-journal)

Public libraries have long been recognised as critical societal institutions, serving as information, education, and community engagement centres. In the context of tribal communities, their role in disseminating health information is particularly significant. Tribal populations often face unique health challenges and disparities, making access to accurate and reliable health information vital to their well-being. This study examines the pivotal role that public libraries play in disseminating health information to tribal people. The study is conducted among 13 branch libraries in the tribal areas of Rayalaseema region. A structured questionnaire was used for the survey. The results show that even though …

06-16-26 Bor Hsc Committee Notice Of Meeting, Patricia Serna

HSC Committee (A subcommittee of the UNM Board of Regents)

06-16-26 BOR HSC Committee Notice of Meeting

Modeling Generative Ai Adoption In Higher Education: An Integrated Tam–Tpb–Sdt Framework With Sem Validation, Dina Tbaishat, Omar Alfandi, Faten Hamad, Syed Muhammad Salman Bukhari, Suha Al Muhaissen

All Works

This study investigates the determinants of university students' adoption of generative artificial intelligence (GAI) tools in higher education. Integrating the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and Self-Determination Theory (SDT), it develops and tests a complete model that captures cognitive, social, and motivational influences on adoption. A cross-sectional survey was conducted among 517 undergraduate and postgraduate students at Jordanian universities. The data were analyzed using structural equation modeling (SEM) with a two-step approach: confirmatory factor analysis (CFA) to validate the measurement model, followed by SEM to test the hypothesized structural relationships. Reliability, validity, measurement invariance across …

Implications Of Career Guidance On Career Choices And Professional Development: Stakeholders’ Perspectives From Selected Higher Educational Institutions In The Uae, Solomon Arulraj David, Laila Mohebi

All Works

Career choices and professional development are influenced by various factors, such as family dynamics, teacher guidance, career counselling, peer influence, continuous learning, and market trends. This study aims to explore the experiences and perspectives of both students and staff regarding the impact of career guidance on the career choices, professional development of undergraduate Emirati students in selected higher education institutions in the UAE. Twenty-three participants, purposefully chosen, were interviewed using a semi-structured questionnaire. Thematic analysis was employed to analyze the gathered data. The findings indicate relatively a positive understanding of staff and students regarding the heightened awareness of career choices …

Predicting Takeover Rumor Accuracy With Machine Learning, Hamed Khadivar, Frederick Davis, Ameneh Khadivar, Ivan Stetsyuk

All Works

This study applies machine learning models such as TabNet, XGBoost, CatBoost, Support Vector Machines, a Multilayer Perceptron, and Logistic Regression to predict takeover-rumor accuracy using a proprietary dataset of 2074 rumor articles with identifiable target firms, screened from over 30,000 news articles from January 2002 to December 2011. In the raw feature (no-PCA) specification, Logistic Regression and TabNet perform similarly. After addressing class imbalance and applying dimensionality reduction (PCA), TabNet materially outperforms Logistic Regression and delivers economically meaningful gains: A TabNet-based long-short strategy earns higher average monthly abnormal returns than a Logistic Regression strategy at both horizons, 1.148% versus 0.773% …

Financing Climate Action Through Fair Taxation: How Sdg Engagement Reduces Corporate Tax Avoidance, Ahmed Aboud, Niccolò Nirino, Panagiota Papadimitri, Michael Christofi

All Works

The transition to a low-carbon economy, central to achieving Paris Agreement targets and Sustainable Development Goal 13 (Climate Action), requires unprecedented public and private investment. A significant climate financing gap persists, however, exacerbated by corporate practices that erode the public revenue base. This paper investigates a critical, yet often overlooked, component of corporate responsibility: tax avoidance. We examine the impact of firm-level sustainable development goal (SDG) disclosure on corporate tax avoidance using an international sample of 7213 firms operating in 81 countries over the period 2019–2023. Our analysis reveals a robust inverse relationship between SDG disclosure and corporate tax avoidance, …

Insights Of Pre-Service Teachers In The Uae On Ai-Infused K-12 Classrooms: Implications For Policy And Curricula In Teacher Education, Ayman Massouti, Nessrin Shaya, Sandra Baroudi

All Works

No abstract provided.

Prevalence Of Smoking In Patients With Seizures: Epilepsy Vs. Psychogenic Nonepileptic Seizures, Ali A. Asadi-Pooya, Mohsen Farazdaghi, Nafiseh Mirzaei Damabi, Ava Asadi-Pooya, Nayyereh Akbari, Amir Rezaei

Department of Neurology Faculty Papers

Objective: Smoking is the second most significant cause of early death and disability worldwide. Considering existing clinical and psychological differences between patients with epilepsy and psychogenic nonepileptic seizures (PNES), it was assumed that these 2 groups of patients vary in their rates of smoking. This retrospective study was based on an electronic dataset of patients with seizures. Methods: All patients aged 20 years or older were surveyed at the outpatient epilepsy clinic of Shiraz University of Medical Sciences in Shiraz, Iran, between 2008 and 2020. Age at seizure onset, sex, and the final diagnosis were entered into the database for …