Credit Borrower Sector of Economy and Credit Risk For Banks by Joanna Stępińska

“…The first section of the article presents a literature review covering the issue of comparing the risk of operating in different industries, and the second presents the classification of sections of the economy according to the Polish Classification of Activities (PKD) . The third part presents data from the National Bank of Poland NBP on the repayment of credits in various industries. …”
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Evaluation of mobile clinics by MSF in pastoralist community in Doolo Zone, Somali region, Ethiopia by Birhanu Sahelie, Luke Baertlein, Bashir AIi Dubad, Mohammed Osman, Nathan Post, Beverley Stringer, Turid Piening, Hanna Majanen, Istifanus Chindong Damulak, Elburg Van Boetzalaer, Anna Kuehne, Patrick Keating

“…The ratio of follow-up-to-first antenatal care visits was 0.82, and the ratio of third-to-first dose of DTP/Hib/HepB vaccine was 0.39. …”
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Application of core functions and forms in complex health intervention research: a scoping review protocol by Eunyoung Kang, Maria E Fernández, Jessica D Austin, Monica Perez Jolles, Katelyn Fox, Debbie Passey, Laura Zeigen, Erin Kenzie, Rachel J Meadows

“…Two concepts from complex systems thinking have been increasingly used to operationalise such interventions—core functions (theory and evidence-driven purposes of interventions) and forms (adaptable activities that perform each core function). …”
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Five decades of Abramov glacier dynamics reconstructed with multi-sensor optical remote sensing by E. Mattea, E. Berthier, A. Dehecq, T. Bolch, T. Bolch, A. Bhattacharya, A. Bhattacharya, S. Ghuffar, M. Barandun, M. Hoelzle

“…We also measure the buildup to a third velocity pulsation, with doubling of mean annual velocity since 2011 despite a continued mass loss of <span class="inline-formula">−</span>0.55 <span class="inline-formula">±</span> 0.06 m w.e. yr<span class="inline-formula">⁻¹</span>. …”
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Anatomical characterization of Semi-arid Bignoniaceae using light and scanning electron microscopy by Romisha Sonia, Shabnum Shaheen, Muhammad Waheed, Sana Imran, Shiekh Marifatul Haq, Murad Muhammad, Abeer Hashem, Samiha Al Shehri, Elsayed Fathi Abd-Allah

“…Results On both the upper and lower leaf surfaces, polygonal, irregular, and hexagonal epidermal cells with thick cell walls were observed. Three patterns of anticlinal cell walls were detected: curved, straight, and sinuous. …”
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Study protocol for a pragmatic randomised controlled trial of comparing enhanced acceptance and commitment therapy plus (+) added to usual aftercare versus usual aftercare only, in... by Imran Khan, Stephanie J. C. Taylor, Clare Robinson, Elisavet Moschopoulou, Paul McCrone, Liam Bourke, Mohamed Thaha, Kamaldeep Bhui, Derek Rosario, Damien Ridge, Sheila Donovan, Ania Korszun, Paul Little, Adrienne Morgan, Olivier Quentin, Rebecca Roylance, Peter White, Trudie Chalder

“…Abstract  Background Two million people in the UK are living with or beyond cancer and a third of them report poor quality of life (QoL) due to problems such as fatigue, fear of cancer recurrence, and concerns about returning to work. …”
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Observed upper-ocean structure and seasonal production in the southern Kerguelen Plateau region, 1994-2021 by Man Liang, Annie Foppert, Annie Foppert, Karen J. Westwood, Karen J. Westwood, Sophie Bestley, Sophie Bestley

“…Below the mixed layer, Winter Water (WW) characteristics also vary across the observed latitudinal range; typically the temperature and thickness of the WW layer are inversely related, with warmer WW layers being thinner. …”
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Modeling and experimental validation of nanophotonics-enhanced solar membrane distillation technology for treating reverse osmosis brine by Mayar Elrakhawi, Ahmed F. Tayel, Amr Abdelrazek, Ze He, Qilin Li, Ibrahim A. Said

“…Hence, an increase in feed layer thickness enhances freshwater production by 7%. Due to the intensification of solar irradiance, freshwater production increased ninefold, and specific energy consumption decreased by 134 kW hr m−3. …”
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Structuring ampelographic collections by phenotypic characteristics and comparing the reaction of grape varieties to climate change by L. Yu. Novikova, L. G. Naumova

“…PCA revealed  that the main differentiating factor of the studied fragment of the ampelographic collection is the size of the bunch; the second, the yield; the third, the time of ripening. The values of the factors are contrasting in varieties of different  directions  of use and taxonomic origin, which was confirmed  by ANOVA. …”
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A Pine Wilt Disease Detection Model Integrated with Mamba Model and Attention Mechanisms Using UAV Imagery by Minhui Bai, Xinyu Di, Lechuan Yu, Jian Ding, Haifeng Lin

“…The optimal configuration was determined through an evaluation of various attention mechanism modules, including four attention modules. The third component, Path Aggregation Feature Pyramid Network (PAFPN), facilitates the fusion and refinement of data at varying scales, thereby enhancing the model’s capacity to detect multi-scale objects. …”
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Effects of Nitrogen Fertilization on Soil CH₄, CO₂, and N₂O Emissions and Their Global Warming Potential in Agricultural Peatlands by Yao Shi, Xiaowei Wei, Lianxi Sheng, Xuechen Yang

“…Globally, 14–20% of peatlands are affected by agricultural activities, which account for about one-third of global greenhouse gas emissions from farmlands. …”
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Comparison of Antioxidant and Alpha-Glucosidase Inhibitory Properties of Moringa peregrina and Ferulago carduchorum Leaf Extracts and Microencapsulation of Superior Plant by Shiva Nouri, Maryam Moslehishad, Seyede Marzieh Hosseini, Mina Etemadi

“…To ensure its suitability for food fortification, in the third stage, encapsulation of the MP extract was followed. …”
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Study of the expression of oncoprotein p53, EGFR in colorectal carcinomas with different proliferative activity by I.S. Shponka, I.K. Kharkhalis, O.V. Poslavska

“…In 2020, in Ukraine, morphological verification of new cases of colon and rectal cancer was carried out at a high level (83.2% and 89.5%, respectively), but despite this, specific treatment covered only 69.4% and 74.5% of eligible patients, that is why about a third of patients (30.8% of colon cancer patients and 25.0% of rectal cancer patients) did not live even a year from the moment of its detection in 2020. …”
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Social media in undergraduate teaching and learning: A scoping review protocol. by Richard Hayman, Erika E Smith

“…Researchers will meet to discuss discrepancies and make decisions using a consensus model, and a third researcher will be independently tasked with resolving any conflicts. …”
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Evaluation of Corrosion Potential Stability of Stainless Steels in Dilute Electrolyte Solution for Application to a Quasi-Reference Electrode Used in Electrochemical Sensing System by Kyosuke Sawada, Shinji Okazaki, Tatsuki Inaba, Motohiro Sakuma, Koichi Azuma

“…Stability is achieved when the surface thickness is such that the pseudo-capacitance in a dilute solution is less than 10 µF s^{<i>α</i>−1}cm⁻² and potential stability does not influence a few changes in the <i>CPE</i>₁ value after potential stability is achieved. …”
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The Impact of Internet on Teaching and Learning of Geography in Secondary Schools in Kabale Municipality. by Kato Brian

“…Findings of this study established that the intensive use of internet and the process-oriented learning environment supported the development of students’ expertise in internet and enhanced students’ in critical thinking skills, teacher and student intervention and increase students’ learning motivation. …”
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Unique Design of Learning Studio Spaces: A Case Study of The Department of Applied Design and Fine Art Kabale University. by Akatwijuka, Onesmus

“…Therefore, understanding the concept of "place" provides an important framework for the way people form relationships with the built environment. The concepts of "third place," place attachment, and distance each have an impact on how designed social spaces are used and liked. …”
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Unique Design of Learning Studio Spaces: A Case Study of the Department of Applied Design and Fine Art Kabale University. by Akatwijuka, Onesmus

“…Therefore, understanding the concept of "place" provides an important framework for the way people fonn relationships with the built environment. The concepts of "third place," place attachment, and distance each have an impact on how designed social spaces are used and liked. …”
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Comparative Study of Vitamin C Concentration in Boiled and Roasted Gonja. by Birungi, Alido

“…The fingers in the other group were peeled and then roasted on a charcoal stove while turning them regularly to allow even distribution of heat until they were wholly soft and ready for consumption. Fruits in the third group were peeled and then left raw (control experiment) 1 00g of prepared Gonja fingers from each group were then chopped using a sharp knife after which they were ground in separate motors using pestles to form pastes. 500ml of distilled water was added to each of the pasted Gonja followed by stirring and filtering. …”
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Assessment of Teachers’ Turnover and its Impact on Academic Performance in Government Aided Secondary Schools of Kayonza Sub-County Kanungu District. by Biryomumeisho, Gideon

“…Secondly, poor working conditions were highlighted by 60.3% of respondents, who pointed to the lack of adequate teaching materials and poor infrastructure as key factors contributing to a stressful work environment. Thirdly, the lack of career advancement opportunities was identified as a significant demotivator, with 79.4% of respondents feeling that limited opportunities for professional growth and promotion pushed them to leave. …”
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