This review paper examines the critical role of robust data governance in ensuring compliance with regulatory and legal requirements in today's data-driven environment. Through an exploration of key concepts such as data governance definition, components, alignment with regulatory requirements, and essential elements of a robust framework, the paper highlights the significance of effective data governance practices in mitigating risks, maintaining data integrity, and facilitating regulatory compliance. Practical implications for organizations seeking to enhance their data governance structures and future research directions in the field are discussed.
{"title":"Ensuring compliance with regulatory and legal requirements through robust data governance structures","authors":"Victor Ibukun Adebayo, Adebimpe Bolatito Ige, Courage Idemudia, Osemeike Gloria Eyieyien","doi":"10.53022/oarjms.2024.8.1.0043","DOIUrl":"https://doi.org/10.53022/oarjms.2024.8.1.0043","url":null,"abstract":"This review paper examines the critical role of robust data governance in ensuring compliance with regulatory and legal requirements in today's data-driven environment. Through an exploration of key concepts such as data governance definition, components, alignment with regulatory requirements, and essential elements of a robust framework, the paper highlights the significance of effective data governance practices in mitigating risks, maintaining data integrity, and facilitating regulatory compliance. Practical implications for organizations seeking to enhance their data governance structures and future research directions in the field are discussed.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"7 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141796183","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-07-30DOI: 10.53022/oarjms.2024.8.1.0039
Zaita FY, Leiva HJ, del Valle LD, Artiles GM, Osés RR, Hernández RM, Galbán DM, Bauta BR, Fimia DR
Study habits involve autonomy and a student's decision on his own criteria to prepare himself by means of managing and prioritizing his time in an autonomous educational context. As part of the research carried out within the doctoral program in Educational Sciences, the objective is to characterize the state of self-management of learning in students of the Short Cycle Higher Education in Pharmaceutical Services of the Faculty of Nursing and Health Technology, University of Medical Sciences of Villa Clara, Cuba. The empirical method of document review was used (normative, curricular and methodological of the subject); the analytical-synthetic theoretical method was also taken into account. Among the main results, the following stand out: inequality in academic progress, need for additional support, need for differentiated pedagogical approaches, and diversification of teaching strategies, which allow students to manage their own learning. It is concluded that the reality manifests itself differently from what is expected in the proposed professional model, because students are not able to manage their own learning, since what they learn does not meet the objectives proposed in the subject Pharmaceutical Services.
{"title":"Self-management of learning in students of pharmaceutical services: results and proposal to promote academic autonomy","authors":"Zaita FY, Leiva HJ, del Valle LD, Artiles GM, Osés RR, Hernández RM, Galbán DM, Bauta BR, Fimia DR","doi":"10.53022/oarjms.2024.8.1.0039","DOIUrl":"https://doi.org/10.53022/oarjms.2024.8.1.0039","url":null,"abstract":"Study habits involve autonomy and a student's decision on his own criteria to prepare himself by means of managing and prioritizing his time in an autonomous educational context. As part of the research carried out within the doctoral program in Educational Sciences, the objective is to characterize the state of self-management of learning in students of the Short Cycle Higher Education in Pharmaceutical Services of the Faculty of Nursing and Health Technology, University of Medical Sciences of Villa Clara, Cuba. The empirical method of document review was used (normative, curricular and methodological of the subject); the analytical-synthetic theoretical method was also taken into account. Among the main results, the following stand out: inequality in academic progress, need for additional support, need for differentiated pedagogical approaches, and diversification of teaching strategies, which allow students to manage their own learning. It is concluded that the reality manifests itself differently from what is expected in the proposed professional model, because students are not able to manage their own learning, since what they learn does not meet the objectives proposed in the subject Pharmaceutical Services.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"4 11","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141796246","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This review paper explores integrating agile methodologies into data governance to achieve flexibility and control. Agile methodologies, known for their iterative development, collaboration, and responsiveness to change, can enhance the adaptability of data governance frameworks. This paper analyzes the alignment of agile principles with data governance, discusses strategies for integration, such as adaptive data governance and incremental implementation, and examines how to balance flexibility with the necessary controls for effective data governance. Key practices, challenges, and potential solutions focus on fostering a collaborative culture and leveraging appropriate tools and technologies. The paper also suggests future research directions, emphasizing the role of emerging technologies and evolving regulatory requirements. Ultimately, this integration enhances decision-making, operational efficiency, and organizational competitive advantage.
{"title":"Integrating agile methodologies into data governance: Achieving flexibility and control simultaneously","authors":"Naomi Chukwurah, Adebimpe Bolatito Ige, Courage Idemudia, Osemeike Gloria Eyieyien","doi":"10.53022/oarjms.2024.8.1.0044","DOIUrl":"https://doi.org/10.53022/oarjms.2024.8.1.0044","url":null,"abstract":"This review paper explores integrating agile methodologies into data governance to achieve flexibility and control. Agile methodologies, known for their iterative development, collaboration, and responsiveness to change, can enhance the adaptability of data governance frameworks. This paper analyzes the alignment of agile principles with data governance, discusses strategies for integration, such as adaptive data governance and incremental implementation, and examines how to balance flexibility with the necessary controls for effective data governance. Key practices, challenges, and potential solutions focus on fostering a collaborative culture and leveraging appropriate tools and technologies. The paper also suggests future research directions, emphasizing the role of emerging technologies and evolving regulatory requirements. Ultimately, this integration enhances decision-making, operational efficiency, and organizational competitive advantage.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"10 22","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141796131","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-07-30DOI: 10.53022/oarjms.2024.8.1.0045
Naomi Chukwurah, Adebimpe Bolatito Ige, Courage Idemudia, Victor Ibukun Adebayo
This paper explores strategies for engaging stakeholders, enhancing communication, and fostering collaboration in data governance. It examines the importance of stakeholder engagement and communication channels, such as meetings, digital platforms, and reports, in facilitating collaboration. Lessons learned from successful data governance initiatives underscore the significance of aligning efforts with business objectives and securing executive sponsorship. Practical recommendations include defining clear roles, tailoring communication strategies, and promoting stakeholder participation. Key success factors include leadership support and alignment with organizational culture, while potential pitfalls include resistance to change and inadequate resources. Future research directions include exploring innovative technologies for stakeholder engagement and evaluating the effectiveness of data governance initiatives.
{"title":"Strategies for engaging stakeholders in data governance: Building effective communication and collaboration","authors":"Naomi Chukwurah, Adebimpe Bolatito Ige, Courage Idemudia, Victor Ibukun Adebayo","doi":"10.53022/oarjms.2024.8.1.0045","DOIUrl":"https://doi.org/10.53022/oarjms.2024.8.1.0045","url":null,"abstract":"This paper explores strategies for engaging stakeholders, enhancing communication, and fostering collaboration in data governance. It examines the importance of stakeholder engagement and communication channels, such as meetings, digital platforms, and reports, in facilitating collaboration. Lessons learned from successful data governance initiatives underscore the significance of aligning efforts with business objectives and securing executive sponsorship. Practical recommendations include defining clear roles, tailoring communication strategies, and promoting stakeholder participation. Key success factors include leadership support and alignment with organizational culture, while potential pitfalls include resistance to change and inadequate resources. Future research directions include exploring innovative technologies for stakeholder engagement and evaluating the effectiveness of data governance initiatives.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"9 8","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141796032","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Predictive analytics has emerged as a pivotal tool in financial compliance, offering sophisticated methods for identifying fraudulent transactions through the application of machine learning (ML) concepts. As financial institutions grapple with increasingly complex fraud schemes and stringent regulatory requirements, the integration of predictive analytics with ML provides a proactive approach to fraud detection and prevention. Machine learning algorithms excel in analyzing vast datasets, identifying hidden patterns, and making real-time predictions. In the realm of financial compliance, supervised learning models such as logistic regression, decision trees, and random forests are commonly used to classify transactions as legitimate or fraudulent. These models are trained on historical transaction data, learning to recognize the subtle indicators of fraud by identifying correlations between various features and fraudulent outcomes. This allows for high-accuracy predictions on new, unseen data. Unsupervised learning techniques, such as clustering and anomaly detection, are equally critical in predictive analytics for financial compliance. These methods do not require labeled data and are adept at uncovering novel fraud patterns by detecting outliers and irregularities that deviate from normal transactional behavior. Anomaly detection algorithms, including k-means clustering and isolation forests, can identify transactions that exhibit unusual characteristics, flagging them for further investigation. The integration of predictive analytics with real-time data processing capabilities enhances the agility of fraud detection systems. Streaming analytics and real-time scoring enable the continuous monitoring of transactions, ensuring that suspicious activities are identified and addressed promptly. This real-time aspect is crucial for minimizing the impact of fraudulent transactions and ensuring compliance with regulatory standards. Despite the advancements, implementing predictive analytics for financial compliance involves challenges such as ensuring data quality, addressing privacy concerns, and maintaining model transparency. Financial institutions must navigate these challenges by employing robust data governance practices, leveraging secure data processing techniques, and adopting explainable AI models that provide insights into their decision-making processes. In conclusion, predictive analytics, powered by machine learning concepts, offers a robust framework for identifying fraudulent transactions and enhancing financial compliance. By leveraging advanced ML algorithms and real-time data processing, financial institutions can proactively detect and prevent fraud, thereby safeguarding their operations and ensuring adherence to regulatory mandates. This approach not only mitigates financial losses but also strengthens the overall integrity and trustworthiness of the financial system.
预测分析已成为金融合规方面的重要工具，通过应用机器学习（ML）概念，为识别欺诈交易提供了先进的方法。随着金融机构努力应对日益复杂的欺诈阴谋和严格的监管要求，预测分析与 ML 的整合为欺诈检测和预防提供了一种积极主动的方法。机器学习算法擅长分析庞大的数据集、识别隐藏的模式并进行实时预测。在金融合规领域，逻辑回归、决策树和随机森林等监督学习模型通常用于将交易分为合法或欺诈。这些模型根据历史交易数据进行训练，通过识别各种特征与欺诈结果之间的相关性，学习识别欺诈的微妙指标。这样就能对未见过的新数据进行高精度预测。聚类和异常检测等无监督学习技术在金融合规性预测分析中同样重要。这些方法不需要标注数据，通过检测偏离正常交易行为的异常值和异常现象，善于发现新的欺诈模式。异常检测算法，包括均值聚类和隔离林，可以识别出表现出异常特征的交易，并将其标记出来以作进一步调查。预测分析与实时数据处理功能的整合提高了欺诈检测系统的灵活性。流分析和实时评分可对交易进行持续监控，确保及时发现和处理可疑活动。这种实时性对于最大限度地减少欺诈交易的影响和确保符合监管标准至关重要。尽管取得了进步，但在金融合规性方面实施预测分析仍面临挑战，如确保数据质量、解决隐私问题和保持模型透明度。金融机构必须通过采用稳健的数据治理实践、利用安全的数据处理技术以及采用可解释的人工智能模型来深入了解其决策过程，从而应对这些挑战。总之，由机器学习概念驱动的预测分析为识别欺诈交易和提高金融合规性提供了一个强大的框架。通过利用先进的 ML 算法和实时数据处理，金融机构可以主动检测和预防欺诈，从而保障其运营并确保遵守监管规定。这种方法不仅能减少经济损失，还能加强金融系统的整体完整性和可信度。
{"title":"Predictive analytics for financial compliance: Machine learning concepts for fraudulent transaction identification","authors":"Emmanuel Paul-Emeka George, Courage Idemudia, Adebimpe Bolatito Ige","doi":"10.53022/oarjms.2024.8.1.0041","DOIUrl":"https://doi.org/10.53022/oarjms.2024.8.1.0041","url":null,"abstract":"Predictive analytics has emerged as a pivotal tool in financial compliance, offering sophisticated methods for identifying fraudulent transactions through the application of machine learning (ML) concepts. As financial institutions grapple with increasingly complex fraud schemes and stringent regulatory requirements, the integration of predictive analytics with ML provides a proactive approach to fraud detection and prevention. Machine learning algorithms excel in analyzing vast datasets, identifying hidden patterns, and making real-time predictions. In the realm of financial compliance, supervised learning models such as logistic regression, decision trees, and random forests are commonly used to classify transactions as legitimate or fraudulent. These models are trained on historical transaction data, learning to recognize the subtle indicators of fraud by identifying correlations between various features and fraudulent outcomes. This allows for high-accuracy predictions on new, unseen data. Unsupervised learning techniques, such as clustering and anomaly detection, are equally critical in predictive analytics for financial compliance. These methods do not require labeled data and are adept at uncovering novel fraud patterns by detecting outliers and irregularities that deviate from normal transactional behavior. Anomaly detection algorithms, including k-means clustering and isolation forests, can identify transactions that exhibit unusual characteristics, flagging them for further investigation. The integration of predictive analytics with real-time data processing capabilities enhances the agility of fraud detection systems. Streaming analytics and real-time scoring enable the continuous monitoring of transactions, ensuring that suspicious activities are identified and addressed promptly. This real-time aspect is crucial for minimizing the impact of fraudulent transactions and ensuring compliance with regulatory standards. Despite the advancements, implementing predictive analytics for financial compliance involves challenges such as ensuring data quality, addressing privacy concerns, and maintaining model transparency. Financial institutions must navigate these challenges by employing robust data governance practices, leveraging secure data processing techniques, and adopting explainable AI models that provide insights into their decision-making processes. In conclusion, predictive analytics, powered by machine learning concepts, offers a robust framework for identifying fraudulent transactions and enhancing financial compliance. By leveraging advanced ML algorithms and real-time data processing, financial institutions can proactively detect and prevent fraud, thereby safeguarding their operations and ensuring adherence to regulatory mandates. This approach not only mitigates financial losses but also strengthens the overall integrity and trustworthiness of the financial system.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"10 39","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141795842","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Blockchain technology revolutionizes financial services by enhancing security, transparency, and efficiency in transactions and services. This paper examines the fundamental aspects of blockchain, including its core concepts and components, and explores its application in financial services. Blockchain's cryptographic hashing, decentralization, and immutability significantly improve security by preventing tampering and reducing fraud risks. Increased transparency through immutable audit trails, real-time updates, and open ledgers fosters trust among customers, regulators, and institutions. Furthermore, blockchain streamlines operations by automating processes, reducing intermediaries, and expediting transactions, resulting in substantial cost reductions and improved efficiency. Despite these advantages, challenges such as scalability, interoperability, regulatory uncertainty, and environmental impact must be addressed for widespread adoption. The prospects of blockchain in financial services are promising, with potential applications in decentralized finance, digital identity verification, and central bank digital currencies. This paper underscores the transformative potential of blockchain technology in creating a more secure, transparent, and efficient financial ecosystem.
{"title":"Blockchain technology in financial services: enhancing security, transparency, and efficiency in transactions and services","authors":"Emmanuel Paul-Emeka George, Courage Idemudia, Adebimpe Bolatito Ige","doi":"10.53022/oarjms.2024.8.1.0042","DOIUrl":"https://doi.org/10.53022/oarjms.2024.8.1.0042","url":null,"abstract":"Blockchain technology revolutionizes financial services by enhancing security, transparency, and efficiency in transactions and services. This paper examines the fundamental aspects of blockchain, including its core concepts and components, and explores its application in financial services. Blockchain's cryptographic hashing, decentralization, and immutability significantly improve security by preventing tampering and reducing fraud risks. Increased transparency through immutable audit trails, real-time updates, and open ledgers fosters trust among customers, regulators, and institutions. Furthermore, blockchain streamlines operations by automating processes, reducing intermediaries, and expediting transactions, resulting in substantial cost reductions and improved efficiency. Despite these advantages, challenges such as scalability, interoperability, regulatory uncertainty, and environmental impact must be addressed for widespread adoption. The prospects of blockchain in financial services are promising, with potential applications in decentralized finance, digital identity verification, and central bank digital currencies. This paper underscores the transformative potential of blockchain technology in creating a more secure, transparent, and efficient financial ecosystem.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"2 12","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141796166","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-03-30DOI: 10.53022/oarjms.2024.7.1.0018
Hengki J. Kiroh, Frits S. Ratulangi, Umar Paputungan, Jein R. Leke
Introduction and aim: The babirusa (Babyrousa babyrussa Celebensis Deniger) is a genetic resource of immeasurable value, even though it has held protected status for nearly 60 years. Unfortunately, its status remains declared as endangered due to factors such as forest encroachment in the North Sulawesi region. This research aims to investigate the behaviours of community collectors, traders, and consumers concerning their level of interest in babirusa meat, which continues to circulate in the Langowan traditional market, Minahasa Regency. The findings of this study can provide valuable recommendations for the government to formulate new policies and regulations. Methods: The research employed a survey method, focusing on the community of collectors, traders, and buyers of babirusa meat in the Langowan traditional market, Minahasa Regency, and its surroundings. Results: The results from the field survey were then juxtaposed with the outcomes of sensory test analyses conducted by several panellists at the Animal Products Technology Laboratory. Until now, babirusa meat remains a sought-after commodity for Minahasa residents in the Langowan area and its surroundings. This indicates that despite the existence of government regulations in the form of Conservation Law No. 5 of 1990, there is still evidence of the covert sale of protected babirusa meat in the Langowan traditional market, Minahasa Regency, North Sulawesi province of Indonesia. In conclusion: The local individuals in the Langowan traditional market of Minahasa Regency who purchase and consume babirusa meat are predominantly under 50 years old, with a higher representation of males with the majority holds of elementary school education, and their primary occupation of farmers. Public awareness of the endemic babirusa is remarkably high. The sensory test results indicated that babirusa meat is perceived as highly attractive in terms of colour, possesses a distinctive meaty aroma, rough texture, excellent taste, and high tenderness. This positive perception is linked to the understanding that babirusa meat has its own benefits, leading to a genuine liking for this unique meat. Implications: There exists a notable public awareness of babirusa as an endemic animal. The overall acceptability of babirusa meat was noteworthy, reinforcing its significance as an endemic animal in North Sulawesi. Specifically, the Langowan traditional market has been a focal point for the buying and selling of babirusa meat. This practice, which was more prevalent before 1990, continues to be carefully executed in the Langowan market being protected for the next sustainability of this endemic animals.
{"title":"Description of community behavior regarding the trade mode of babirusa (Babyroussa babirussa Celebensis Deniger), a protected endemic animal circulating at the Langowan traditional market, Minahasa Regency, North Sulawesi of Indonesia","authors":"Hengki J. Kiroh, Frits S. Ratulangi, Umar Paputungan, Jein R. Leke","doi":"10.53022/oarjms.2024.7.1.0018","DOIUrl":"https://doi.org/10.53022/oarjms.2024.7.1.0018","url":null,"abstract":"Introduction and aim: The babirusa (Babyrousa babyrussa Celebensis Deniger) is a genetic resource of immeasurable value, even though it has held protected status for nearly 60 years. Unfortunately, its status remains declared as endangered due to factors such as forest encroachment in the North Sulawesi region. This research aims to investigate the behaviours of community collectors, traders, and consumers concerning their level of interest in babirusa meat, which continues to circulate in the Langowan traditional market, Minahasa Regency. The findings of this study can provide valuable recommendations for the government to formulate new policies and regulations. Methods: The research employed a survey method, focusing on the community of collectors, traders, and buyers of babirusa meat in the Langowan traditional market, Minahasa Regency, and its surroundings. Results: The results from the field survey were then juxtaposed with the outcomes of sensory test analyses conducted by several panellists at the Animal Products Technology Laboratory. Until now, babirusa meat remains a sought-after commodity for Minahasa residents in the Langowan area and its surroundings. This indicates that despite the existence of government regulations in the form of Conservation Law No. 5 of 1990, there is still evidence of the covert sale of protected babirusa meat in the Langowan traditional market, Minahasa Regency, North Sulawesi province of Indonesia. In conclusion: The local individuals in the Langowan traditional market of Minahasa Regency who purchase and consume babirusa meat are predominantly under 50 years old, with a higher representation of males with the majority holds of elementary school education, and their primary occupation of farmers. Public awareness of the endemic babirusa is remarkably high. The sensory test results indicated that babirusa meat is perceived as highly attractive in terms of colour, possesses a distinctive meaty aroma, rough texture, excellent taste, and high tenderness. This positive perception is linked to the understanding that babirusa meat has its own benefits, leading to a genuine liking for this unique meat. Implications: There exists a notable public awareness of babirusa as an endemic animal. The overall acceptability of babirusa meat was noteworthy, reinforcing its significance as an endemic animal in North Sulawesi. Specifically, the Langowan traditional market has been a focal point for the buying and selling of babirusa meat. This practice, which was more prevalent before 1990, continues to be carefully executed in the Langowan market being protected for the next sustainability of this endemic animals.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"58 38","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140362464","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-03-30DOI: 10.53022/oarjms.2024.7.1.0008
Ali Keya Anami
The term Islamic finance is used to refer to financial activities conforming to Islamic Law (Sharia). One of the main principles of the Islamic finance system is the prohibition of the payment and the receipt of riba (interest) in a financial transaction. The term riba covers all forms of interest and is not limited to usury or excessive interest only. The most critical and significant implication of banning interest is the indirect prohibition of a “pure” debt security. The key point to bear in mind is that Islamic law does not recognize money and money instruments as a commodity but merely as a medium of exchange. Hence any return must be tied to an asset, or participation and risk-taking in a joint enterprise (such as partnerships). A pure debt security is replaced with an “asset-linked” security, direct financing of a real asset, and different forms of partnerships of which equity financing is the most desirable. In addition to prohibition of riba, there are several other important provisions which may affect financial transactions. These include the prohibition of ‘gharar’ (uncertainty or asymmetrical information), ‘maysir’ (gambling, speculation), hoarding, as well as trading in prohibited commodities (for example, pork and alcohol).
{"title":"Financial inclusion through Islamic financial instruments: A catalyst for small and medium enterprises (SMEs)","authors":"Ali Keya Anami","doi":"10.53022/oarjms.2024.7.1.0008","DOIUrl":"https://doi.org/10.53022/oarjms.2024.7.1.0008","url":null,"abstract":"The term Islamic finance is used to refer to financial activities conforming to Islamic Law (Sharia). One of the main principles of the Islamic finance system is the prohibition of the payment and the receipt of riba (interest) in a financial transaction. The term riba covers all forms of interest and is not limited to usury or excessive interest only. The most critical and significant implication of banning interest is the indirect prohibition of a “pure” debt security. The key point to bear in mind is that Islamic law does not recognize money and money instruments as a commodity but merely as a medium of exchange. Hence any return must be tied to an asset, or participation and risk-taking in a joint enterprise (such as partnerships). A pure debt security is replaced with an “asset-linked” security, direct financing of a real asset, and different forms of partnerships of which equity financing is the most desirable. In addition to prohibition of riba, there are several other important provisions which may affect financial transactions. These include the prohibition of ‘gharar’ (uncertainty or asymmetrical information), ‘maysir’ (gambling, speculation), hoarding, as well as trading in prohibited commodities (for example, pork and alcohol).","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"45 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140362971","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-03-30DOI: 10.53022/oarjms.2024.7.1.0021
Fadeke Adeola Atobatele, Percy Chris Kpodo, Isabel Obiageli Eke
This concept paper delves into the pivotal role of language support programs, particularly English as a Second Language (ESL), in enhancing the academic success of international students. It conducts a comprehensive review of existing literature to evaluate the effectiveness of these programs, identifies critical gaps in current research, and proposes avenues for future exploration to bolster the efficacy of language support services. The academic success of international students is contingent upon their ability to effectively communicate and comprehend course materials in a language that may not be their native tongue. Language support programs, notably ESL, play a crucial role in bridging linguistic barriers and facilitating meaningful engagement with academic content. However, the effectiveness of these programs varies widely, prompting the need for a thorough evaluation. Through an extensive examination of available evidence, this paper identifies both strengths and limitations within current language support initiatives. While some programs exhibit promising outcomes in improving language proficiency and academic performance, others fall short in adequately addressing the diverse needs of international student populations. Moreover, there is a notable dearth of research addressing specific factors influencing the effectiveness of language support programs, such as instructional methodologies, cultural considerations, and institutional support structures. The identified gaps underscore the necessity for further research to refine and optimize language support services for international students. Future investigations should aim to elucidate the nuanced interactions between language proficiency, cultural adaptation, and academic achievement. Additionally, there is a pressing need to explore innovative approaches, technologies, and pedagogical strategies to enhance the accessibility and effectiveness of language support programs. This concept paper serves as a foundation for advancing scholarship in the realm of language support for international students. By critically evaluating current evidence, identifying research gaps, and proposing avenues for future exploration, it aims to foster a deeper understanding of the role of language support programs in promoting the academic success and holistic development of international student populations.
{"title":"Language support programs and international student academic success: Evaluating evidence and identifying gaps","authors":"Fadeke Adeola Atobatele, Percy Chris Kpodo, Isabel Obiageli Eke","doi":"10.53022/oarjms.2024.7.1.0021","DOIUrl":"https://doi.org/10.53022/oarjms.2024.7.1.0021","url":null,"abstract":"This concept paper delves into the pivotal role of language support programs, particularly English as a Second Language (ESL), in enhancing the academic success of international students. It conducts a comprehensive review of existing literature to evaluate the effectiveness of these programs, identifies critical gaps in current research, and proposes avenues for future exploration to bolster the efficacy of language support services. The academic success of international students is contingent upon their ability to effectively communicate and comprehend course materials in a language that may not be their native tongue. Language support programs, notably ESL, play a crucial role in bridging linguistic barriers and facilitating meaningful engagement with academic content. However, the effectiveness of these programs varies widely, prompting the need for a thorough evaluation. Through an extensive examination of available evidence, this paper identifies both strengths and limitations within current language support initiatives. While some programs exhibit promising outcomes in improving language proficiency and academic performance, others fall short in adequately addressing the diverse needs of international student populations. Moreover, there is a notable dearth of research addressing specific factors influencing the effectiveness of language support programs, such as instructional methodologies, cultural considerations, and institutional support structures. The identified gaps underscore the necessity for further research to refine and optimize language support services for international students. Future investigations should aim to elucidate the nuanced interactions between language proficiency, cultural adaptation, and academic achievement. Additionally, there is a pressing need to explore innovative approaches, technologies, and pedagogical strategies to enhance the accessibility and effectiveness of language support programs. This concept paper serves as a foundation for advancing scholarship in the realm of language support for international students. By critically evaluating current evidence, identifying research gaps, and proposing avenues for future exploration, it aims to foster a deeper understanding of the role of language support programs in promoting the academic success and holistic development of international student populations.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"26 13","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140364635","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The review provides an overview of the theoretical and practical exploration of utilizing blockchain technology to enhance security in small businesses. Small businesses face significant security challenges in the digital age, including data breaches, fraud, and cyberattacks. This paper investigates how blockchain, as a decentralized and immutable ledger technology, can address these challenges by providing transparency, integrity, and trust in business operations. Through a comprehensive examination of blockchain fundamentals and its application in small business contexts, this study elucidates the mechanisms through which blockchain enhances security. Drawing on case studies and theoretical frameworks, the paper explores successful implementations of blockchain solutions, practical considerations for adoption, and the regulatory landscape governing blockchain in small businesses. Additionally, it evaluates the risks and benefits associated with blockchain adoption, providing insights into the potential impact on business operations and compliance requirements. Finally, the paper discusses future trends and innovations in blockchain technology, offering a roadmap for small businesses to navigate the evolving landscape of security solutions. This theoretical and practical exploration underscores the critical role of blockchain in safeguarding small businesses against digital threats while highlighting opportunities for innovation and growth.
{"title":"Blockchain for enhancing small business security: A theoretical and practical exploration","authors":"Babajide Tolulope Familoni, Emmanuel Adeyemi Abaku, Agnes Clare Odimarha","doi":"10.53022/oarjms.2024.7.1.0020","DOIUrl":"https://doi.org/10.53022/oarjms.2024.7.1.0020","url":null,"abstract":"The review provides an overview of the theoretical and practical exploration of utilizing blockchain technology to enhance security in small businesses. Small businesses face significant security challenges in the digital age, including data breaches, fraud, and cyberattacks. This paper investigates how blockchain, as a decentralized and immutable ledger technology, can address these challenges by providing transparency, integrity, and trust in business operations. Through a comprehensive examination of blockchain fundamentals and its application in small business contexts, this study elucidates the mechanisms through which blockchain enhances security. Drawing on case studies and theoretical frameworks, the paper explores successful implementations of blockchain solutions, practical considerations for adoption, and the regulatory landscape governing blockchain in small businesses. Additionally, it evaluates the risks and benefits associated with blockchain adoption, providing insights into the potential impact on business operations and compliance requirements. Finally, the paper discusses future trends and innovations in blockchain technology, offering a roadmap for small businesses to navigate the evolving landscape of security solutions. This theoretical and practical exploration underscores the critical role of blockchain in safeguarding small businesses against digital threats while highlighting opportunities for innovation and growth.","PeriodicalId":19492,"journal":{"name":"Open Access Research Journal of Multidisciplinary Studies","volume":"67 34","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140364782","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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