Financial literacy and financial intermediation are vital tools for all businesses, particularly women micro-entrepreneurs. Even with modest means, they have been shown to considerably contribute to economic independence at the family, national, and international levels. Since Indonesian women microentrepreneurs still have trouble getting bank loans (being unbanked), the majority of them join cooperatives. Cooperatives are without doubt the financial intermediation institutions of choice for micro-communities; nonetheless, research on the subject is still scarce, particularly in developing nations. In order to bridge this gap, this study looks at the role of cooperatives as financial intermediation organizations. Examining the impact of financial literacy through cooperative financial intermediation on the financial performance of Indonesian women microentrepreneurs is the main goal of the study. The cross-sectional data were identified using purposive approaches and processed with the use of Smart PLS as part of an explanatory research approach. The direct influence test results demonstrate that enhancing financial performance and financial intermediation are directly impacted by financial literacy. Additionally, financial intermediation (cooperatives) was successful in influencing the impact of financial literacy on the financial performance of micro-entrepreneurs in Indonesia, according to the findings of the mediation effect test.

This contribution aims to appraise, analyze and evaluate the literature relating to the interaction of electromagnetic fields (EMF) with matter and the resulting thermal effects. This relates to the wanted thermal effects via the application of fields as well as those uninvited resulting from exposure to the field. In the paper, the most popular EMF heating technologies are analyzed. This involves on the one hand high frequency induction heating (HFIH) and on the other hand microwave heating (MWH), including microwave ovens and hyperthermia medical treatment. Then, the problem of EMF exposure is examined and the resulting biological thermal effects are illuminated. Thus, the two most common cases of wireless EMF devices, namely digital communication tools and inductive power transfer appliances are analyzed and evaluated. The last part of the paper concerns the determination of the different thermal effects, which are studied and discussed, by considering the governing EMF and heat transfer (or bio heat) equations and their solution methodologies.

Disease epidemics may spread quickly and easily throughout nations and continents in our current global environment, having a devastating effect on public health and the world economy. There are over 513 million people worldwide who have been infected, and more than 6.2 million have died due to SARS-CoV-2. There are treatments but no cures for most viruses. Nevertheless, the spread of viruses can be limited by introducing antiviral coatings on public area surfaces and personal protective equipment (e.g., face masks). This work aims to fabricate a polymer-based coating with acrylic resin as a binder that possesses great antiviral activity against the Feline coronavirus (FCov). The chosen polymer, polyethylene glycol (PEG), is used as an antiviral agent because it contains “green” chemistry benefits such as non-toxicity, being inexpensive, readily recyclable, safe, natural, non-flammable, biocompatible, and biodegradable. The PEG/acrylic coating systems of different weight percentages were coated on the glass substrates by the spray-coating method and cured at room temperature for 24 hours. The developed PEG/acrylic coating system that contains 20 wt% of PEG exhibits the highest anti-viral activities (99.9% against FCov) compared to the other weight percentages. From this study, it has been observed that the hydrophilicity of the coating plays an important role in its antiviral activity. The developed coating has a hydrophilic property, in which the contact angle was measured at 83.28 ± 0.5°. The FTIR reveals that there are no existing toxic components or new components contained in the coating samples.

In this investigation the effect of collection seasons of explants (winter, spring and summer), type of explants (leaf disc and intermodal segments) and length of explants (0.5, 1.0 and 1.5 cm) for callusing in low-chill peach were standardized. The maximum callus induction (97.78%) in the low-chill peach was obtained from the intermodal segments of 0.5 cm in length used as an explant collected during spring season. The structural changes on the surface of the callus (5–7 weeks old yellowish green compact callus) during the progress of somatic embryogenesis of low-chill peach from the both intermodal segment as well as leaf disc derived callus were also examined with the use of scanning electron microscope (SEM). The SEM studies indicated that callus derived from internodal segment explant had the highest frequency of somatic embryos than callus from leaf discs. The SEM investigation, also demonstrated the sequential events/steps leading to low-chill peach somatic embryogenesis which was originating from somatic embryo mother cells through one unicellular pathway. Two types of calli were morphologically distinguished in both leaf disc and intermodal segment generated callus and these were the compact, well organized yellowish green embryogenic callus, containing large number of small, rich cytoplasmic, starch containing meristematic cells and soft and unorganized non-embryogenic callus containing sparsely cytoplasmic, vacuolated, and large cells devoid of metabolic reserves. The present SEM studies clearly demonstrated that somatic cells from peach explants generated callus could develop into fully differentiated somatic embryos through the characteristic embryological patterns of differentiation.

The obtaining of new data on the transformation of parent materials into soil and on soil as a set of essential properties is provided on the basis of previously conducted fundamental studies of soils formed on loess-like loams in Belarus (15,000 numerical indicators). The study objects are autochthonous soils of uniform granulometric texture. The basic properties without which soils cannot exist are comprehensively considered. Interpolation of factual materials is given, highlighting the essential properties of soils. Soil formation is analyzed as a natural phenomenon depending on the life activity of biota and the water regime. Models for differentiation of the chemical profile and bioenergy potential of soils are presented. The results of the represented study interpret the available materials taking into account publications on the biology and water regime of soils over the past 50 years into three issues: the difference between soil and soil-like bodies; the soil formation as a natural phenomenon of the mobilization of soil biota from the energy of the sun, the atmosphere, and the destruction of minerals in the parent materials; and the essence of soil as a solid phase and as an ecosystem. The novelty of the article study is determined by the consideration of the priority of microorganisms and water regime in soil formation, chemical-analytical identification of types of water regime, and determination of the water regime as a marker of soil genesis.