• International Journal of Computer Science & Network Security
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• 제23권4호
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• pp.103-110
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• 2023

Financial inclusion is the safe and timely access of formal financial services to people at affordable costs. Various barriers of legacy financial system hinder the involvement of all segments of populations in the financial sector. The journey from financial exclusion to financial inclusion has to be achieved with the implementation of technological breakthroughs. Covid-19 has also raised the need for technology in all sectors of the economy. This research paper introduces the concept of intelligent financial inclusion which is the provision of financial services to people with the help of intelligent systems. This intelligent system will take the concepts from the human mind, cognitive sciences, and artificial intelligence tools and techniques. For achieving the optimal level of financial inclusion, economies must shift their financial sector from traditional means to intelligent financial systems. In this way, intelligent financial inclusion will achieve the target of involving all people in the financial sector.

• Asian-Australasian Journal of Animal Sciences
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• 제29권4호
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• pp.539-548
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• 2016

The objective of the present study was to investigate the influence of palm kernel meal (PKM) inclusion and exogenous enzyme supplementation on growth performance, nitrogen-corrected apparent metabolizable energy (AMEn), coefficient of apparent ileal digestibility (CAID) and total tract retention of nutrients in young broilers fed corn-based diets. Four inclusion levels of PKM (no PKM [PKM0], 8% [PKM8], 16% [PKM16], and 24% [PKM24]) and two enzyme additions were evaluated in a $4{\times}2$ factorial arrangement of treatments. A total of 384, one-d-old male broilers (Ross 308) were individually weighed and allocated to 48 cages (eight broilers/cage), and cages were randomly assigned to eight dietary treatments. Results indicated that the inclusion of 8% and 16% PKM increased (p<0.05) the weight gain compared to the PKM0 diet. Birds fed the PKM8 diets had the highest (p<0.05) feed intake. Weight gain and feed intake were severely reduced (p<0.05) by feeding the PKM24 diet. Enzyme supplementation increased weight gain (p<0.05), independent of PKM inclusion level. In PKM0 and PKM8 diets, enzyme addition significantly (p<0.05) lowered feed conversion ratio (FCR); whereas enzyme addition had no effect on FCR of birds fed PKM16 and PKM24 diets. In PKM0 and PKM16 diets, enzyme addition significantly (p<0.05) increased CAID of nitrogen and energy but had no effect in the PKM8 and PKM24 diets. Inclusion of PKM into the basal diet, irrespective of inclusion level, enhanced (p<0.05) starch and fat digestibility. Inclusion of PKM at 16% and 24% resulted in similar CAID of neutral detergent fiber (NDF) but higher (p<0.05) than that of the PKM0 and PKM8 diets. Enzyme addition, regardless of the level of PKM inclusion, significantly (p<0.05) increased CAID of NDF. There was a significant (p<0.05) decrease in AMEn with PKM inclusion of 24%. The present data suggest that inclusion of PKM in broiler diets could be optimized if PKM-containing diets are formulated based on digestible amino acid contents and supplemented with exogenous enzymes. If amino acid digestibility and AME of PKM considered in the formulation, it can be included in broiler diets up to 16% with no deleterious effects on growth performance.

• Asian-Australasian Journal of Animal Sciences
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• 제20권5호
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• pp.754-760
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• 2007

The effect of dehydrated food waste product (DFWP) inclusion in diets of Taiwan native chickens on the growth performance, carcass traits, clinical blood chemistry and nutrient digestibility was investigated with 320 male Taishi Native Chickens (Taishi No. 13). They were randomly allocated into four levels of DFWP inclusion (0, 5, 10, or 20%) treatment. Each treatment had 80 chickens with four replicates. At 15 weeks of age, 8 chickens were selected from each group for the nutrient digestibility trial. The results showed that body weight gain during the 0 to 4 week period decreased as the feed intake and feed conversion rate (FCR) increased linearly with increasing level of DFWP inclusion. During the 4 to 8 week period, greater body weight gains were recorded for the birds on the 5% DFWP inclusion level than for the control (p<0.05). During 8 to16 weeks, the feed intake and FCR increased linearly (p<0.05). Interestingly too, results of the carcass analysis showed that DFWP inclusion up to 20% in the diet significantly decreased the relative abdominal fat weight but increased the relative proventriculus and gizzard weights of the birds. However, other carcass parameters, meat quality and sensory scores were not significantly influenced by the dietary DFWP inclusion levels (p>0.05). Higher serum aspartate aminotransferase, ${\gamma}$-glutamyltransferase activity and crude protein digestibility, and lower gross energy digestibility were observed in the 20% DFWP group compared to the control (p<0.05). Dietary DFWP inclusion was inappropriate during the 0 to 4 week period. During 4 to 8 weeks, there was no adverse effect on chicken performance in the 20% group. There was no disadvantage on carcass properties and in the meat panel test. This result would not affect consumer determination.

• 아태비즈니스연구
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• 제13권4호
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• pp.91-107
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• 2022

Purpose - This study quantitatively examines the level of financial inclusion of a microfinance institution in each region and how this is changing recently, and examines the level of financial inclusion by region and various financial characteristic factors related to it. It was empirically verified what kind of significant impact actually has on the institution's major management performance indicators (stability, profitability, efficiency, and public interest). Design/methodology/approach - It was confirmed that the institution's financial inclusion index declined rapidly after 2015 as a whole, although there were some differences by region depending on regional characteristics. However, considering the fact that the number of branches per 100,000 adult population is steadily increasing nationwide, it was found that, contrary to what is known, the simple decrease in the number of branches of the institution was not the main cause. Findings - The analysis results of this study show that the institution's efforts for financial inclusion have a positive impact on profitability, stability, efficiency, and public interest, and that the institution pursues profitability, efficiency, stability, and public interest. showed that some trade-offs exist. In other words, overall, it was analyzed that profitability of the institution has a positive effect on efficiency, and efficiency has a positive effect on stability and public interest. Research implications or Originality - Since the institution's efforts to improve its profitability do not have a negative impact on its stability and public interest, it is judged that it is important to take a strategic stance, so excessive loan supply that exceeds the scope of the institution's own control needs to be avoided as much as possible. More detailed financial supply strategies and business management capabilities that enhance the asset soundness and management efficiency of safes need to be demonstrated.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.47-59
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• 2020

This paper intends to explore the relationship between financial inclusion and financial stability under the scope of Asian economies. The linkage will be thoroughly investigated with country-level and bank-level data of 42 countries in three separate years: 2011, 2014, and 2017. In this study, an inclusive financial system is assessed by two dimensions: usage of financial services and access to the financial system. Usage of financial services ranges from account to credit, savings and payment services. Access to financial system measures the financial outreach where individuals can use financial services. Meanwhile, financial stability, which proxied by Bank Z-score is regarded as the dependent variable. We apply fixed effects regression and random effects regression to capture the impacts of financial inclusion upon financial stability. To enhance the robustness of the model, the Feasible Generalized Least Squares (FGLS) regression is therefore adopted as the solution for the random effects regression. The empirical findings exhibit an overall weak positive influence of financial inclusion on financial stability. The research results also provide both financial institutions and governments with insightful information, which helps them to have an appropriate financial development strategy, improve the regulatory framework and consequently enhance financial stability for the whole system.

• Asian-Australasian Journal of Animal Sciences
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• 제31권1호
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• pp.116-122
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• 2018

Objective: This experiment was to evaluate the effect of different inclusion levels and adaptation periods on digestible energy (DE) and the apparent total tract digestibility (ATTD) of chemical constituents in diets supplemented with wheat bran. Methods: Thirty-six crossbred barrows with an initial body weight of $85.0{\pm}2.1kg$ were allotted to 6 diets in a completely randomized block design with 6 pigs per diet. Diets included a cornsoybean basal diet and 5 additional diets which were formulated by replacing corn and soybean meal in control diet with 15%, 25%, 35%, 45%, or 55% wheat bran. The experiment lasted for 34 d, and feces were collected from d 8 to 13, 15 to 20, 22 to 27, and 29 to 34 respectively. Results: The results showed no interaction effects between inclusion level and adaptation period on the concentration of DE and the ATTD of gross energy (GE) and crude protein (CP) in wheat bran. The DE value and ATTD of GE in wheat bran decreased (p<0.05) significantly as the inclusion level of wheat bran increased, but no difference in the ATTD of CP was observed. The ATTD of CP in wheat bran increased (p<0.10) significantly as the adaptation period for pigs was prolonged. In addition, the concentration of DE and the ATTD of GE in wheat bran decreased linearly (p<0.05) when pigs were fed either an increased level of wheat bran or given an increased adaptation period to the diets. Conclusion: Wheat bran showed a negative effect on the concentration of DE and ATTD of GE and CP as the inclusion level increased. A longer adaptation period can gradually increase the DE value and ATTD of GE and CP in wheat bran, and at least 14 to 21 d of adaptation might be recommended for growing-finishing pigs fed the high-fiber diets with wheat bran.

• 한국초등수학교육학회지
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• 제20권2호
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• pp.353-370
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• 2016

본 연구는 초등 수학 교사용지도서의 '수와 연산' 영역이 학습장애 학생과 학습부진 학생을 위한 증거기반교수 요인을 얼마나 포함하고 있는지 분석하였다. 분석은 선행연구를 기초로 제작된 분석기준을 활용하여 초등교사 3명이 실시하였다. 분석결과는 다음과 같다. 첫째, 초등 수학 교사용지도서의 학습장애 학생 및 학습부진학생을 위한 증거기반교수 요인 포함수준은 전반적으로 중간정도였고, 학년별로 분석해본 결과 1~4학년 수학교사용지도서의 포함수준은 중간정도 5, 6학년 수학교사용지도서의 포함수준은 낮은 것으로 나타났다. 둘째, 증거기반 교수의 특징별로 분석해본 결과, '명확한 목표의 제시, 단일한 핵심개념 및 기술의 지도, 구체적 조작물과 반구체물의 사용, 명시적 교수, 관련된 예들의 제공, 충분한 독립적 연습기회의 제공 그리고 학생 진보의 확인'과 같은 요인들의 포함수준은 중간정도로 나타났고, '선수 수학 개념들 및 기술들의 복습, 오류 수정 및 교정적 피드백의 제공, 핵심어휘의 지도 그리고 전략들의 지도'와 같은 요인들의 포함수준은 낮은 것으로 나타났다. 셋째, 학년과 증거기반 교수특징의 포함수준 사이에 부적상관관계 (r= -.343)가 나타났다. 이러한 결과를 바탕으로 연구의 시사점을 논의하였다.

• Asian-Australasian Journal of Animal Sciences
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• 제14권5호
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• pp.680-683
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• 2001

The apparent metabolisable energy (AME) and N-corrected ME (AMEn) of deoiled rice bran (DORB) were determined with adult quails at 6 and 10- week of age. The DORB obtained from two types of extraction process, Batch (DORB-B) and the Continuous (DORB-C), was each included in a practical type of the reference diet at 20 or 40% level. The analysed crude protein, ether extract, total ash, calcium, phosphorus, glucose and starch content of DORB-B and DORB-C were found at 19.0, 0.79, 17.05, 0.11, 1.92, 2.3, 11.22, and 15.02, 1.56, 13.0, 0.40, 2.76, 2.16, 19.0, respectively. The level of inclusion of DORB in diet appeared to exert a significant effect on the AME and AMEn values. When bioassayed at 20% inclusion level the DORB was found to have a significantly (p<0.01) lower value than that obtained at 40% inclusion level. However, no significant effect of age of quails on the AME values of DORB was evident. The ME bioassays with quails gave significantly (p<0.01) higher AME values for DORB-C than DORB-B thereby indicating that the continuous system of solvent extraction of rice bran is superior to the batch system from this point of view. The AME value of DORB predicted from its chemical composition also revealed that the DORB-C contained approximately 15% more energy than that in DORB-B.

• Structural Engineering and Mechanics
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• 제63권3호
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• pp.329-345
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• 2017

This paper devoted to study dynamic interaction between crack and inclusion or void by developing the eXtended Finite Element Methods (XFEM). A novel XFEM approximation is presented for these structures containing multi discontinuities (void, inclusion, and crack). The level set methods are used so that elements that include a crack segment, the boundary of a void, or the boundary of an inclusion are not required to conform to discontinuous edges. The investigation covers the effects of a single circular or elliptical void / stiff inclusion, and multi stiff inclusions on the crack propagation path under dynamic loads. Both the void and the inclusion have a significant effect on the dynamic crack propagation path. The crack initially curves towards into the void, then, the crack moves round the void and propagates away the void. If a large void lies in front of crack tip, the crack may propagate into the void. If an enough small void lies in front of crack tip, the void may have a slight or no influence on the crack propagation path. For a stiff inclusion, the crack initially propagates away the inclusion, then, after the crack moves round the inclusion, it starts to propagate along its original path. As ${\delta}$ (the ratio of the elastic modulus of the inclusion to that of the matrix) increases, a larger curvature of the crack path deflection can be observed. However, as ${\delta}$ increases from 2 to 10, the curvature has an evident increase. By comparison, the curvature has a slight increase, as ${\delta}$ increases from 10 to 1000.

• Asian-Australasian Journal of Animal Sciences
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• 제28권6호
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• pp.847-854
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• 2015

The objective of this study was to determine the effects of graded inclusions of wheat bran (0%, 9.65%, 48.25% wheat bran) and two growth stages (from 32.5 to 47.2 kg and 59.4 to 78.7 kg, respectively) on the apparent ileal digestibility (AID), apparent total tract digestibility (ATTD) and hindgut fermentation of nutrients and energy in growing pigs. Six light pigs (initial body weight [BW] $32.5{\pm}2.1kg$) and six heavy pigs (initial BW $59.4{\pm}3.2kg$) were surgically prepared with a T-cannula in the distal ileum. A difference method was used to calculate the nutrient and energy digestibility of wheat bran by means of comparison with a basal diet consisting of corn-soybean meal (0% wheat bran). Two additional diets were formulated by replacing 9.65% and 48.25% wheat bran by the basal diet, respectively. Each group of pigs was allotted to a $6{\times}3$ Youden square design, and pigs were fed to three experimental diets during three 11-d periods. Hindgut fermentation values were calculated as the differences between ATTD and AID values. For the wheat bran diets, the AID and ATTD of dry matter (DM), ash, organic matter (OM), carbohydrates (CHO), gross energy (GE), and digestible energy (DE) decreased with increasing inclusion levels of wheat bran (p<0.05). While only AID of CHO and ATTD of DM, ash, OM, CHO, GE, and DE content differed (p<0.05) when considering the BW effect. For the wheat bran ingredient, there was a wider variation effect (p<0.01) on the nutrient and energy digestibility of wheat bran in 9.65% inclusion level due to the coefficient of variation (CV) of the nutrient and energy digestibility being higher at 9.65% compared to 48.25% inclusion level of wheat bran. Digestible energy content of wheat bran at 48.25% inclusion level (4.8 and 6.7 MJ/kg of DM, respectively) fermented by hindgut was significantly higher (p<0.05) than that in 9.65% wheat bran inclusion level (2.56 and 2.12 MJ/kg of DM, respectively), which was also affected (p<0.05) by two growth stages. This increase in hindgut fermentation caused the difference in ileal DE (p<0.05) to disappear at total tract level. All in all, increasing wheat bran levels in diets negatively influences the digestibility of some nutrients in pigs, while it positively affects the DE fermentation in the hindgut.