Over decades, most transactions in Nigeria were largely conducted in cash. However, Central Bank of Nigeria’s cash-less policy introduction aimed at reducing cash-based transactions, decreasing and integrating financially excluded adult into the formal financial sector of the economy has altered financial transaction landscape. Pursuant to this goal of financial inclusion, measures such as agency banking, national financial literacy, mobile payment system were introduced. However, research has somewhat under-explored how agency banking platforms influence financial inclusion among adult rural dwellers that are perceived to be more excluded in formal financial sector. Therefore, this study empirically investigates influence of agency banking on financial inclusion among adult rural dwellers in rural communities. A sample of 320 potential respondents were determined statistically. Self-administered questionnaire designed in Likert-Scale format was used to collect data from respondents. Convenience and judgemental sampling techniques were used to recruit participants who agreed to take part in the study. Partial Least Square Structural Equation Modelling technique was applied in data analysis. Results show that agency banking has positive-significant correlation with saving consciousness and financial literacy; saving consciousness and financial literacy significantly and positively influence financial inclusion. The study discusses the theoretical, policy and managerial implications of the findings while highlighting possible areas for future research.

Plants materials contained some bio-active ingredients which help in treating of so many diseases and also provide vital components for human and animal nutrition. Preliminary phytochemical screening and some nutritional profile of Cnidoscolus aconitofolius leaves were investigated in this study. The dry leaves of Cnidoscolus aconitofolius were subjected to proximate, vitamins and mineral contents analysis. Furthermore, the samples were subjected to soxlet extraction using methanol and water of different polarities for qualitative phytochemical screening. The preliminary qualitative phytochemical screening revealed the presence of phenols, flavonoids, alkaloids, terpenoids, saponins, steroids and absence of tannins respectively. Among the proximate composition carbohydrate was found to be high (65.54%), followed by crude fat (13.33%) and ash (12.08%), while moisture, proteins and crude fibre were 0.67%, 5.55% and 2.83 % respectively. The results showed that the sample contained 18.12mg/100g vitamin A and 15.20mg/100g vitamin C concentrations. The levels of some selected mineral elements of public health important are Potassium 378.62mg/100g, Sodium 82.02mg/100g, Phosphorus 5.73mg/100g, Magnesium 1.72mg/100g, Iron 1.02mg/100g, Calcium 1.02mg/100g, Copper 0.30mg/100g, Zinc 1.14mg/100g and Manganese with 0.08mg/100g respectively. This study revealed that the leaves of Cnidoscolus aconitifolius contained some phytochemicals constituents of medicinal importance. The nutritional compositions also showed an appreciable amount of vitamin A and C and some minerals elements. Therefore, the plant may be considered as a good source of macro and micro-nutrients of potential nutritional importance.

Mid 2021 the Nigerian government suspended indefinitely, the operations of Twitter in the country, alleging that the company’s activities undermines the country’s cooperate existence and unity. The government ordered all its agencies to shutdown their handles immediately. This sparked national and international condemnation and commendation. It also brought to fore larger conversations and debates academically, socially, and economically, all over the world. Though the Nigerian government attempted unsuccessfully to initiate social media censorship law few months ago, the recent Twitter ban and the Nigerian government’s request that all social media companies operating in Nigeria must acquire license brought back the heated debate on censorship laws and policies in Nigeria which this article analyses.

Background: Tissue flossing bands are a relatively new treatment modality that have increased in popularity in recent years. There is evidence suggesting that tissue flossing could decrease pain and increase joint range of motion, but there is still a need for further studies in this matter. Thus, this study aimed to assess the effect of a single tissue flossing treatment on the perceived pain and upper extremity function among healthy collegiate baseball pitchers. Methods: Twenty apparently healthy collegiate baseball pitchers (age: 21 ± 2.49) participated in this study. Tissue flossing treatment was performed from the wrist to the elbow on the participant’s throwing arm. Before and after treatment, perceived pain and upper extremity function was evaluated. Results: Following one round of tissue flossing treatment, the participants experienced a 27% decrease in perceived pain from baseline (3.05 ± 1.95 to 2.22 ± 2.04, p < 0.05). Participants did not experience a significant increase in perceived upper extremity function. In addition, participants did not report any complications as a result of the intervention. Conclusion: These findings demonstrated that in healthy collegiate baseball pitchers, tissue flossing bands treatment were capable of decreasing perceived pain.

Soil damage has been increased the in the few last decades due to human activities, urbanization and other erotic factors. Absorption of water through soil and aerial parts of plants and resource management strategies allow for the conservation of water. While, organic matter playing important role in good soil structure and water holding capacity, promotes water infiltration, and protects the soil from erosion and compaction. The best water conservation practices to be made in order to optimize the water usage as quantity of water reflected to the crops cultivations. Soil restoration increases the chances to minimize the risk of climatic conditions that ultimately helpful for making the soil fertility. In soil, water from different sources absorbed including the rain sources, surface water, ground water and external water sources. Agricultural groundwater sources are also maintained for irrigation and storage of water needed for survival of climatic conditions. Water storage through solar panels also another way for marinating the water balance and also helpful for storage system. Vertical flow CWs (VFs) are more efficient for marinating the water balance in the agricultural land as compared to the horizontal flow.

Physical changes and growth during adolescence are vital phenomena; adolescent girls go through many imbalances and problems in such passing situations. It is necessary to transfer the relevant and requisite information to teen girls on physical changes during pubescence, and the mother is the core source of delivering information, knowledge, and practices to adolescent girls on physical changes. The present article has made an empirical effort to understand the frequency of communication about Reproductive and sexual health and the Frequency of Communication on physical changes during pubescence. The study was carried out in two blocks of Ballari District of Karnataka-India. The sample size for the study was 260, and respondents were adolescent girls aged between 14-17 years; data was collected by using a semi-structured interview tool.

Loranthaceae are epiphytic hemiparasitic plants causing a lot of damage to cultivated or spontaneous woody species, but these parasitic plants are also used to treat a wide spectrum of diseases traditionally. It is with a view to searching for new sources of bioactive compounds that the present study was conducted with the aim of exploring the endophytic mycoflora of the haustoria of Phragmanthera capitata. The isolation of the endophytic fungi of P. capitata was done on a PDA (Potato Dextrose Agar) medium. The identification was on the basis of macroscopic and microscopic observations using identification keys. The mass culture of the isolated fungi was made on a solid medium based on rice and the extraction with ethyl acetate. 20 endophytic fungi belonging to 7 genera and 2 unidentified species were isolated from P. capitata: Aspergillus, Trichoderma, Penicillium, Cladosporium, Aureobasidium, Mucor and Fusarium. Flavonoids, tannins, anthocyanins and coumarins were detected in all extracts of these endophytic fungi. The endophytic fungi associated with this plant would also be a potential source of bioactive compounds and the exploration of medicinal plants, and habitats of endophytes would be an advantageous path for the discovery of new species of endophytes and new bioactive secondary metabolites.

This study aimed to investigate the effect of corrosion on the bond strength of tension lap splices in reinforced concrete beams. The test variables were the corrosion level (0%, 2.5% and 5.0%) and the concrete cover to bar diameter (c/d) ratio (c/d=1.5, 2.0, and 2.67). The observed failure mode was splitting of the concrete cover on the tension side. An accelerated corrosion technique was used to corrode the reinforcing lap-spliced bars in a reasonable time frame. Corrosion did not affect failure mode but caused a reduction in the ultimate strength and deflection at failure. The bond strength was reduced by 15% to 26% at 2.5% corrosion level and by 21% to 38% at 5% corrosion level depending on the c/d ratio. A model was proposed to predict the bond strength of corroded tension lap-splices in concrete. The model results correlated well with the measured bond strength.

Assessment of the level of contaminations from possible impact of crude oil on soil ecosystem is imperative for the determination of environmental acceptability. This study investigated this impact ex-situ using a culture-dependent approach to evaluate the total microbial counts; physicochemical tools to determine the cation exchange capacity (CEC), metal leachates, exchangeable bases (Mg, Ca, Na and K), pH, total petroleum hydrocarbon (TPH) and the overall effects on plants as indices of toxicity. The experiment demonstrated that at 1.5 – 3.5% contamination across days-zero to -28, there was a significant (p<0.05) increase in total petroleum hydrocarbon (TPH) from 0.03 ± 0.00 to 0.07 ± 0.00 with increase in acidity from pH 5.2 ± 0.00 to 4.0 ± 0.00 and a reduction in cation exchange capacity (CEC) from 0.82 ± 0.05 to 0.70 ± 0.11mEq and exchangeable bases with an augmented increase in phytotoxic elements and metal leachates. A reduction in microbial biomass from control, 1.30 x 109, to 3.6 x 108 cfu on week one as contamination increased and induction of hydrocarbonclastic organisms thereafter across weeks two and four, 3.88 x 108 and 4.40 x 108 cfu respectively was an indication of a reduction in microbial diversity. Ecosystem dynamics and mineralization were impaired and disrupted and the entire soil biochemistry altered with adverse effects on plant health.

The dominance and crucial role of fast food restaurants in the food service delivery process in Nigeria is without dispute. Against this background, the purpose of this study is to examine the influence of food quality, customers’ service, physical environment and security on customers’ intention to revisit a restaurant. The study also sought to ascertain the extent of gender difference in customers revisit intention. A survey research design and convenience sampling method was adopted in this study. Questionnaires were distributed to 350 patrons of fast food restaurants in Yenagoa metropolis Bayelsa state Nigeria. The descriptive analysis of the respondent shows that male are the dominant patrons of fast food restaurants. Also middle income earners and self-employed are the most common among the respondents, Furthermore, the result shows that there is gender difference in customers’ intention to revisit a restaurant, Equally, the study found that food quality, customers’ service, physical environment and security significantly influence customers revisit intention. The paper posits that customer intention to revisit a restaurant is contingent upon food quality, customers service quality, physical environment quality and provision of adequate security. Consequent upon these findings, this paper recommends among others the inclusion of restaurants operations among the functions of the government regulatory agency in charge of food and drugs administration and control, and the training and retraining of employees on the strategies of effectively managing customers’ relation.

Background: The present healthcare organizational landscape is experiencing a myriad of issues that have resulted in more and more nurses quitting. Job satisfaction is defined as the employees' feelings and behaviors towards their job. The healthcare system of Saudi Arabia is composed of considerable numbers of expatriate nurses from different countries, bringing about diversity. Compared to the past data, there has been an increment in the rate of nurses quitting, meaning a reduction in job satisfaction. This study determines the factors influencing job satisfaction among nurses working in Cardiac Center Hail in Saudi Arabia. Methods: The study utilized a retrospective study based on prospective data collection focusing on the nursing staff's responses to the staff satisfaction survey in Cardiac Center Hail (CCH). The convenience sampling technique of data collection was adopted since it is incredibly prompt, economical, fast, less sophisticated, and easy to research. This method is random and hence eliminates bias in the research. The data collection process utilized inclusion criteria to ensure high quality and reliable data s obtained. Results: It can be observed the job satisfaction in the Cardiac Center Hail is average since the highest percentage of job satisfaction scores ranges between being average and very good for most of the influencing factors. The most dissatisfying factor in the institution was the food supply, followed by the communication system, transportation, and working hours. Conclusion: This information is critical for utilization by policymaking in developing long-term sustainable strategies for promoting a higher retention rate of nurses through offering favorable conditions to promote health care quality deliverance. . Improvements include allocating allowances, reducing the workload on the nurses by maintaining the required shift time, compensate on overtime, improve the communication system, food should be properly cooked, fresh, and balanced, reduce congestion in accommodation & provide appropriate accessories, and establish proper and reliable transport system.

Persons with disabilities are important part of human diversity. With increase in population there come various challenges in before disabled people. Their conditions in respect of dignified living are continue to be complicated. Though after constitution of United Nations Convention for the Rights of Persons with Disabilities (UNCRPD), there come significant changes in respect to the rights of disabled people. This paper tries discussing contemporary laws and its responsiveness towards people with disabilities. It is also dealing with constitutional commitments towards persons with disabilities. The paper concludes despite having laws and polices related to disabilities, there is need to change the societal attitude towards disability. This can be achieved by following the CRPD’s mantra of ‘nothing about us, without us’.

Bhasma’s are one of the exceptional preparations therapeutically used in Ayurveda and have been used as effective drugs for centuries without any noticeable hazardous effects. Minerals, metals and poisonous herbs are used in Ayurvedic medicine after several processing. Hartala (orpiment) Bhasma (incinerated powder of Arsenic) is one such preparation containing Arsenic as a main ingredient. In present study, critical review of Ayurvedic literature regarding Hartala is described in detail. Several classical texts of Rasa Shastra are reviewed in an attempt to provide the detailed description about Hartala like its Praptisthan (Occurrence), Prayaya (Synonyms), Vargikaran (Classification), Karma (Pharmacological properties), Ashuddha Hartala Dosha, its prativisha (antidote), Shodhana (Purification), Marana (Incineration), Matra (Therapeutic dose), Chikitisiya Prayog (Therapeutic indications), Satvapatana (Extraction), artificial methods of Hartala preparation. It is used only in purified and detoxified condition for the therapeutic purposes as internal as well as external medicine.

Our purpose is to determine the prevalence of urinary incontinence and its relation to various factors among pregnant women in the local population. A prospective cross-sectional study was conducted among 105 pregnant women attending routine antenatal care (ANC) in Al Ain Hospital. Participants were screened for urinary incontinence using the International. Consultation on Incontinence Questionnaire -Urinary Incontinence (ICIQ-UI Short Form). English and Arabic Versions. Of 105 pregnant women, 49% (n=51) complained of Urinary Incontinence. Stress incontinence being the most common type accounting for 52% women, followed by Urge incontinence with 42%. 50% women reported leaking no more than once a week; in 76% of them the volume was small in amount. Majority (60.4%) of the women reported that incontinence had no or minimum effect on their quality of life.The incidence of incontinence increased with advanced age where 65% of the older age group (> 35 years) complained of UI compared to 42% of the younger age group (≤35 years) (P = 0.027). Urinary incontinence was experience more in multiparous women compared to primiparous (p=0.034). Also, women with multiple vaginal deliveries had more UI compared to Csections (P = 0.012). There was no significant correlation between the presence of UI and other factors such as Gestational Diabetes Mellitus, Hypertension, Urinary tract infections and Constipation. In conclusion, a significant proportion of pregnant women experienced urinary incontinence which was not reported to their primary care providers. Therefore, more education and awareness must be enforced to ensure early detection and management.

This study aims to examine the effect of Fraud Triangel, and Personal Attitude on the tendency of fraudulent use of SOA funds (a case study in an elementary school in West Cikarang District, Bekasi Regency). The population of this study was 45 public elementary schools in West Cikarang sub-district. Researchers took the entire population as a sample. This research method is a quantitative method. Based on the results of the research and discussion conducted, it can be concluded that the results of the analysis and hypothesis testing indicate that H1 is rejected and H2 is accepted. This finding implies that in general the Fraud Triangel (X1) has no effect on the use of SOA funds (Y) in Elementary School Education institutions, but Personal Attitude (X2) affects the use of SOA funds (Y) in Elementary School Education institutions. The results of the questionnaire illustrate that there is no fraudulent fraud found in the financial statements. This proves the results of the empirical analysis on the Sig value test. Sig. for the effect of Fraud Triangel (X1) on (Y) the use of SOA funds is 3.50 > 0.05 and the t value is 7.39 > t table 3.29, so it can be concluded that H1 is rejected which means there is no influence of Fraud Triangel (X1) on (Y) trend fraudulent use of SOA funds. Based on the results of hypothesis testing that has been carried out, it is found that Personal Attitude (X2) has an effect on the use of SOA funds, this is known from the value of Sig. for the influence of Personal Attitude (X2) on Y the tendency of fraudulent use of SOA funds is 0.005 < 0.05 and the t value is 2.895 < t table 3.295, so it can be concluded that H1 is accepted which means that there is an influence of Personal Attitude (X2) on (Y) the use of funds. SOA. Personal Attitude has a Positive Effect on the use of SOA Funds.