Currently, the use of services that can be marketed online is almost a mandatory strategy that companies must incorporate to generate customer loyalty with the institution. The research deals with the study of the behavior of the members of the Savings and Credit Cooperatives regarding the integration of electronic financial services. The investigation is exploratory scope and descriptive type whose approach is mixed. There were applied techniques such as: (a) the observation to the cooperatives to evaluate the technological progress of the financial services that currently have; (b) interviews with managers of certain entities of the sector; (c) a focus group to certain actors involved; and (d) a questionnaire of closed questions to members of different savings and credit unions in the city of Guayaquil. Among the most important results, the following stand out: (a) 43% use the smartphone to access the internet; and (b) 82% have ever used an electronic financial platform.

There are several theories that explain how an individual gain, retain and recollect knowledge. An understanding of these theories can help school administrators and teachers identify the best tools and strategies best suited that will promote meaningful learning. The study is anchored on the Humanistic theories of learning (1960). Proponents of humanism include Carl Rogers and Abraham Maslow. Humanism believes that learning is student centered and personalized, and the educator’s role is that of a facilitator where the goal is to develop self-actualized people in a cooperative and supportive environment. The study was conducted in response to the need of the university system, St. Paul University, to address student care as part of the Paulinian Formation objectives. The research aimed to evaluate the effectiveness of the implementation of the consultation hours in relation to students’ academic journey. The researchers looked into the perception of the students, the monitoring of academic managers, execution of faculty members, and issues and challenges in the implementation. Interviews and survey questionnaires were used to gather the needed data. We found that the students had a very positive feedback about their experience in consulting with their teachers. They also have a positive perception on how their teachers handled their concerns. On the perspective of academic managers, they said that consultations are properly monitored, especially since they also see this as an effective tool in student care. On the part of the faculty, despite the effectiveness of this activity, they revealed some issues and challenges on the implementation such as random consultations due to conflict of schedule and the unavailable rooms for one-on-one discussions.

The importance of this study emerges from highlighting, clarifying and drawing attention to the role of the touristic sector and specifically the management of touristic sites in Jordan, as tourism is one of the main supporters of the Jordanian economy. The study focuses on the problems facing the management of tourism sites in Jordan and the future vision towards investment, which provides equal opportunities, relies on self-efforts, and benefits from marketing and information in tourism. As the lack of access to infrastructure such as archaeological, religious, medical, cultural and recreational sites and to stadiums and sports facilities will lead to the loss of the Jordanian economy, therefore negatively affect the national income of the state. This study belongs to the exploratory analytical studies and adopts the method of collecting and analyzing data to reach the results. The population of the study comprised the workers in touristic sites in Jordan, the researchers have distributed 200 copies of the questionnaire, the restored copies were 160 and 20 copies were excluded. Therefore, the sample of the study of the composed of 140 individuals whose questionnaire copies were returned and used. The study concluded that there are problems in the methods of building tourism awareness towards the management of touristic sites in Jordan and the competitiveness of the sector. The study recommended providing touristic training courses for all workers in touristic sites in Jordan and granting them language courses.

Information Modeling for preserving and restoring architectural heritage by using the similar characteristics of dynamic information within the Building Information Modeling(BIM) as our case study, letting the strategies of the preservation and restoration is consistent in every stages, including the preserving value, the ethics of preservation, authenticity, etc. Diachronicity of a single architectural heritage, such as information of changes in the restoring stage of architectural components, or the new discovery while getting the different historical information, both can be reinterpreted by time-spatial Building Information Modeling. Research, planning along with design, construction records and management as well as maintenance are the four main stages in Taiwanese Architectural heritage preservation. The planning stage for the research of restoration and reusing is to evaluate the establishment and value of basic information, it is an important reference for next steps which is repairing with design and construction. For that, the importance in this study is to integrate the scattered information through HBIM (Historical Building Information Modeling). This study will use Tekla to conduct the establishment of “Information model for preservation and restoration of the Datun County Office and the Taichung State Hall” , by the mean to explore restoration information at all stages of the project, recording the process of strategies as well as constructions, possible with the integration concept. In addition to this, apart from the basis for constructing a digital preservation method for authenticity of cultural heritages, it will also can help to ensure that value of cultural assets can be thoroughly implemented in the process of restoration and decision making.

Martapura is an area in South Kalimantan, Indonesia that is passed by the Martapura River. This river has been polluted by various pollutants, triggering various organ disorders including hepar. To prove this, this research was conducted. The aimed of this study to evaluate alteration macroscopic and microscopic of hepar rats. Design of this study was experimental laboratory with totally 32 research subjects of male rats (Rattus novergicus) divided into 2 groups, namely the group given aquades (control) and the group given river water (treatment) for 30 days. On the 31st day the rats were sacrificed and hepar organ were made histologically with HE staining, analyzed by microscope. The results showed significant alteration of hepar size (p = 0.385), increasing number of hepatocytus (p = 0.036) and central vein (p = 0.000) and also sign of inflamation process in treatment group (odem and congesty in parencim). Conclusion of this study is administration of Martapura river water can cause alteration macroscopic and microscopic in rats hepar.

This paper discusses the Data Mining model which is developed for Educational Data Mining (EDM) purpose to predict the punctuality of graduation and the final assessment of students. Both are considered as the important things aspects that represent the academic performance of each student. Moreover, the GPA has quite a big influence to pass job recruitment, especially in Indonesia. The model was developed using academic records from 291 students from the vocational school of Informatics Management at Universitas Teknologi Yogyakarta. The dataset which consists of five features and two different labels was obtained by creating an API that connected to an academic database. Three Data Mining algorithms were used to learn the pattern and obtain knowledge from the dataset, i.e. k-Nearest Neighbors, Decision Tree (C4.5), and Neural Networks (Multilayer Perceptron). Since the dataset is quite small, so each algorithm was built and validated using 10-fold Cross-Validation to get the optimum model. From the observations, Neural Networks achieved the highest accuracy for punctuality of graduation and students’ final assessment with 62.86% and 99.32% respectively.

This research reviewed the current literature related to software process improvements and development methodologies. We suggested a simple model explains the relationship between software process improvement and development methodology. The suggested model focused on the current trend of development and software methodologies. The model based on the literature explains how software firms can benefit form software process improvement to enhance the quality of software quality.