Abstract: Financial inclusion has become a crucially important
factor in debates on economic inequality posing challenges to the
financial systems of countries around the world. Nowadays
governments and banks are concerned about creating products that
allow access to wide sectors of the population. The creation of
banking products by the financial sector for people with low incomes
tends to lead to improvements in the quality of life of vulnerable parts
of the population. In countries with notable social and economic
inequalities, financial inclusion is a key aspect for equitable
economic growth. This study is based on the case of Colombia, which is a country
with a strong record of economic growth over the past decade.
Nevertheless, corruption, unemployment, and poverty contribute to
uncertainty regarding the country’s future growth prospects. This study wants to explain the situation of financial exclusion and
financial inclusion with respect to the Colombian case. Financial
inclusion is going to be studied from the perspective of social
innovation.
Abstract: Recently, numerous documents including large
volumes of unstructured data and text have been created because of the
rapid increase in the use of social media and the Internet. Usually,
these documents are categorized for the convenience of users. Because
the accuracy of manual categorization is not guaranteed, and such
categorization requires a large amount of time and incurs huge costs.
Many studies on automatic categorization have been conducted to help
mitigate the limitations of manual categorization. Unfortunately, most
of these methods cannot be applied to categorize complex documents
with multiple topics because they work on the assumption that
individual documents can be categorized into single categories only.
Therefore, to overcome this limitation, some studies have attempted to
categorize each document into multiple categories. However, the
learning process employed in these studies involves training using a
multi-categorized document set. These methods therefore cannot be
applied to the multi-categorization of most documents unless
multi-categorized training sets using traditional multi-categorization
algorithms are provided. To overcome this limitation, in this study, we
review our novel methodology for extending the category of a
single-categorized document to multiple categorizes, and then
introduce a survey-based verification scenario for estimating the
accuracy of our automatic categorization methodology.
Abstract: The influence of Islam on arts can be found primarily
in calligraphy, arabesque designs and architecture. Also, geometric
designs were used quite extensively. Muslim craftsmen produced
stunning designs based on simple geometric principles and traditional
motifs which were used to decorate many surfaces. The idea of
interlacing simple rectilinear lines to form the patterns impressed
Arabs. Nomads of Persia, Turks and Mongols were equally
impressed with the designs so they begin to use them in their homes
in carpet weaving. Islamic designs, motifs and colours which were
used became common place and served to influence people’s tastes.
Modern life style and contemporary products have changed the style
of people’s daily lives, however, people still long for the nomadic
way of life. This is clearly reflected in people’s homes. In a great
many Muslim homes, Islamic decorative motifs can be seen along
with traditional ‘Bedouin’ style furnishing, especially in homes of the
Arabian Peninsula.
Abstract: The hydrodynamic and thermal behaviors of fluid
flow in wavy microchannel are investigated numerically. Effects of
Reynolds number on the hydrodynamics and thermal behaviors are
investigated. Three cases of Reynolds number (580, 1244, and 1910)
are adopted in this study. It is found that the separation zone begin
appears when Reynolds number is greater than 1910 at the endsection
of the wave. Also it is found that dimensionless maximum
velocity at the mid-section of the wave decreases and becomes as a
turbulent behavior as Reynolds numbers increases. The maximum
temperature at the center line at the mid-section of the wave increases
as Reynolds number increases until it reaches the turbulent behavior
when Reynolds number is equal or greater than 1244, while this
behavior will be achieved at very high velocities at the end section of
the wave.
Abstract: The need to merge software artifacts seems inherent
to modern software development. Distribution of development over
several teams and breaking tasks into smaller, more manageable
pieces are an effective means to deal with the kind of complexity. In
each case, the separately developed artifacts need to be assembled as
efficiently as possible into a consistent whole in which the parts still
function as described. In addition, earlier changes are introduced into
the life cycle and easier is their management by designers.
Interaction-based specifications such as UML sequence diagrams
have been found effective in this regard. As a result, sequence
diagrams can be used not only for capturing system behaviors but
also for merging changes in order to create a new version. The
objective of this paper is to suggest a new approach to deal with the
problem of software merging at the level of sequence diagrams by
using the concept of dependence analysis that captures, formally, all
mapping, and differences between elements of sequence diagrams
and serves as a key concept to create a new version of sequence
diagram.
Abstract: Urinary Tract Infections are considered as one of the
most common bacterial infections with an estimated annual global
incidence of 150 million. Antimicrobial drug resistance is one of the
major threats due to wide spread usage of uncontrolled antibiotics. In
this study, a total number of 9149 urine samples were collected from
R.H Patiala and processed in the Department of Microbiology G. M.
C Patiala (January 2013 to December 2013). Urine samples were
inoculated on MacConkey’s and blood agar plates and incubated at
370C for 24 hrs. The organisms were identified by colony characters,
Gram’s staining, and biochemical reactions. Antimicrobial
susceptibility of the isolates was determined against various
antimicrobial agents (Hi – Media Mumbai India) by Kirby Bauer
DISK diffusion method on Muller Hinton agar plates. Maximum patients were in the age group of 21-30 yrs followed by
31-40 yrs. Males (34%) are less prone to urinary tract infections than
females (66%). Culture was positive in 25% of the samples.
Escherichia coli was the most common isolate 60.3% followed by
Klebsiella pneumoniae 13.5%, Proteus spp. 9% and Staphylococcus
aureus 7.6%. Most of the urinary isolates were sensitive to,
carbepenems, Aztreonam, Amikacin, and Piperacillin + Tazobactum.
All the isolates showed a good sensitivity towards Nitrofurantoin
(82%). ESBL production was found to be 70.6% in Escherichia coli
and 29.4% in Klebsiella pneumonia. Susceptibility of ESBL
producers to Imipenem, Nitrofurantoin and Amikacin were found to
be 100%, 76%, and 75% respectively. Uropathogens are increasingly
showing resistance to many antibiotics making empiric management
of outpatient UTIs challenging. Ampicillin, Cotrimoxazole and
Ciprofloxacin should not be used in empiric treatment. Nitrofurantoin
could be used in lower urinary tract infection. Knowledge of
uropathogens and their antimicrobial susceptibility pattern in a
geographical region will help in appropriate and judicious antibiotic
usage in a health care setup.
Abstract: This paper studies a mathematical model based on the
integral equations for dynamic analyzes numerical investigations of a
non-uniform or multi-material composite beam. The beam is
subjected to a sub-tangential follower force and elastic foundation.
The boundary conditions are represented by generalized
parameterized fixations by the linear and rotary springs. A
mathematical formula based on Euler-Bernoulli beam theory is
presented for beams with variable cross-sections. The non-uniform
section introduces non-uniformity in the rigidity and inertia of beams
and consequently, more complicated equilibrium who governs the
equation. Using the boundary element method and radial basis
functions, the equation of motion is reduced to an algebro-differential
system related to internal and boundary unknowns. A generalized
formula for the deflection, the slope, the moment and the shear force
are presented. The free vibration of non-uniform loaded beams is
formulated in a compact matrix form and all needed matrices are
explicitly given. The dynamic stability analysis of slender beam is
illustrated numerically based on the coalescence criterion. A realistic
case related to an industrial chimney is investigated.
Abstract: It has been known that a characteristic
Burst-Suppression (BS) pattern appears in EEG during the early
recovery period following Cardiac Arrest (CA). Here, to explore the
relationship between cortical and subcortical neural activities
underlying BS, extracellular activity in the parietal cortex and the
centromedian nucleus of the thalamus and extradural EEG were
recorded in a rodent CA model. During the BS, the cortical firing rate
is extraordinarily high, and that bursts in EEG correlate to dense spikes
in cortical neurons. Newly observed phenomena are that 1) thalamic
activity reemerges earlier than cortical activity following CA, and 2)
the correlation coefficient of cortical and thalamic activities rises
during BS period. These results would help elucidate the underlying
mechanism of brain recovery after CA injury.
Abstract: Asphalt concrete pavements have a short life cycle,
failing mainly due to temperature changes, traffic loading and ageing.
Modified asphalt mixtures provide the technology to produce a
bituminous binder with improved viscoelastic properties, which
remain in balance over a wider temperature range and loading
conditions. In this research, 60/70 penetration grade asphalt binder
was modified by adding 2, 4, 6, 8 and 10 percent by weight of asphalt
binder following the wet process and the mineral aggregate was
modified by adding 1, 2, 3, 4 and 5 percent crumb rubber by volume
of the mineral aggregate following the dry process. The LDPE
modified asphalt binder rheological properties were evaluated. The
laboratory results showed an increase in viscosity, softening point
and stiffness of the binder. The modified asphalt was then used in
preparing asphalt mixtures by Marshall Mix design procedure. The
Marshall Stability values for mixes containing 2% crumb rubber and
4% LDPE were found to be 30% higher than the conventional asphalt
concrete mix.
Abstract: This paper describes a sliding mode controller for
autonomous underwater vehicles (AUVs). The dynamic of AUV
model is highly nonlinear because of many factors, such as
hydrodynamic drag, damping, and lift forces, Coriolis and centripetal
forces, gravity and buoyancy forces, as well as forces from thruster.
To address these difficulties, a nonlinear sliding mode controller is
designed to approximate the nonlinear dynamics of AUV and
improve trajectory tracking. Moreover, the proposed controller can
profoundly attenuate the effects of uncertainties and external
disturbances in the closed-loop system. Using the Lyapunov theory
the boundedness of AUV tracking errors and the stability of the
proposed control system are also guaranteed. Numerical simulation
studies of an AUV are included to illustrate the effectiveness of the
presented approach.
Abstract: Food supply chain is one of the most complex supply
chain networks due to its perishable nature and customer oriented
products, and food safety is the major concern for this industry. IT
system could help to minimize the production and consumption of
unsafe food by controlling and monitoring the entire system.
However, there have been many issues in adoption of IT system in
this industry specifically within SMEs sector. With this regard, this
study presents a novel approach to use IT and tractability systems in
the food supply chain, using application of RFID and central
database.
Abstract: Health workforce is a fundamental component of
health system and plays a significant role in delivering effective
health care services. However, there is a crucial shortage of skilled
personnel which make them prone to work in stressful conditions. In
spite of excessively high workload and burnout among the staff, little
attention is given to their job satisfaction level which has serious
implications on the productivity and effective performance of staff to
achieve organizational goals. Therefore, this study aims to explore
the job satisfaction of midwives working in the labor ward of the
Lady Dufferin Hospital, Karachi. A cross-sectional survey was
conducted. The short version of Minnesota Job Satisfaction
Questionnaire was administered on a convenient sample group of 22
midwives to gather information on their job satisfaction. The results
demonstrated that midwives were overall satisfied with their job. The
level of job satisfaction was however found different in various
positions within midwifery cadre. The head of midwives was highly
satisfied as compared to midwifery staff who works under the
supervision of head. The level of satisfaction of team leaders fall
between the head and staff of midwifery. Similar trends were
observed for both intrinsic and extrinsic job satisfaction. Such
evidences on these issues are essential and useful as it helps explore
the attitudes of individuals towards work which has direct
implications on access to quality care services. Strategic interventions
are required at organizational level to provide motivators and
satisfiers to health workers for their work related satisfaction and
enhanced motivation.
Abstract: The McEliece cryptosystem is an asymmetric type of
cryptography based on error correction code. The classical McEliece
used irreducible binary Goppa code which considered unbreakable
until now especially with parameter [1024, 524, and 101], but it is
suffering from large public key matrix which leads to be difficult to
be used practically. In this work Irreducible and Separable Goppa
codes have been introduced. The Irreducible and Separable Goppa
codes used are with flexible parameters and dynamic error vectors. A
Comparison between Separable and Irreducible Goppa code in
McEliece Cryptosystem has been done. For encryption stage, to get
better result for comparison, two types of testing have been chosen;
in the first one the random message is constant while the parameters
of Goppa code have been changed. But for the second test, the
parameters of Goppa code are constant (m=8 and t=10) while the
random message have been changed. The results show that the time
needed to calculate parity check matrix in separable are higher than
the one for irreducible McEliece cryptosystem, which is considered
expected results due to calculate extra parity check matrix in
decryption process for g2(z) in separable type, and the time needed to
execute error locator in decryption stage in separable type is better
than the time needed to calculate it in irreducible type. The proposed
implementation has been done by Visual studio C#.
Abstract: In this work, we attempt to associate firm
characteristics with innovative activity. We collect microdata from
listed firms of selected Eurozone Country-members, after the
beginning of 2007 financial crisis. The following literature, several
indicators of growth and performance were selected and tested for
their ability to interpret innovative activity. The main scope is to
examine the possible differences in performance and growth between
innovative and non-innovative firms, during a severe recession.
Additionally to that, a special focus will be held on whether
macroeconomic performance and national innovation system,
determines the extent of innovators' performance. Preliminary
findings, through correlation matrices and non-parametric tests,
strongly indicate the positive relation between innovative activity and
most of the measures used (profitability, size, employment),
confirming that even during a recessionary period, innovative firms
not only survive but also seem to succeed better economic results in
almost all indexes relative to non-innovative. However, even though
innovators seem to perform better in all economies examined, the
extent of that performance seems to be strongly affected by the
supportive mechanisms (financial and structural) that their country
provides. Thus, it is clear, that the technologically intensive 'gap'
between European South and North, during the economic crisis,
became chaotic, due to the harsh austerity measures and reduced
budgets in those countries, even in sectors with high potentials in
economic activity and employment, impairing the effects of crisis and
enhancing the vicious circle of recession.
Abstract: Different countries have introduced different schemes
and policies to counter global warming. The rationale behind the
proposed policies and the potential barriers to successful
implementation of the policies adopted by the countries were
analyzed and estimated based on different models. It is argued that
these models enhance the transparency and provide a better
understanding to the policy makers. However, these models are
underpinned with several structural and baseline assumptions. These
assumptions, modeling features and future prediction of emission
reductions and other implication such as cost and benefits of a
transition to a low-carbon economy and its economy wide impacts
were discussed. On the other hand, there are potential barriers in the
form political, financial, and cultural and many others that pose a
threat to the mitigation options.
Abstract: Tannins are a unique category of plant phytochemicals
especially in terms of their vast potential health-benefiting properties.
Researchers have described the capacity of tannins to enhance
glucose uptake and inhibit adipogenesis, thus being potential drugs
for the treatment of non-insulin dependent diabetes mellitus. Thus,
the present research was conducted to find out tannin content of food
products. The percentage of tannin in various analyzed sources
ranged from 0.0 to 108.53%; highest in kathaa and lowest in ker and
mango bark. The percentage of tannins present in the plants,
however, varies. Numerous studies have confirmed that the naturally
occurring polyphenols are key factor for the beneficial effects of the
herbal medicines. Isolation and identification of active constituents
from plants, preparation of standardized dose & dosage regimen can
play a significant role in improving the hypoglycaemic action.
Abstract: The paper aims to evaluate the effect of online
advertising on consumer purchase behavior in Malaysian
organizations. The paper has potential to extend and refine theory. A
survey was distributed among Students of UTM university during the
winter 2014 and 160 responses were collected. Regression analysis
was used to test the hypothesized relationships of the model. Result
shows that the predictors (cost saving factor, convenience factor and
customized product or services) have positive impact on intention to
continue seeking online advertising.
Abstract: This paper reports the viability of developing Zn-27Al
alloy matrix hybrid composites reinforced with alumina, graphite and
fly ash (solid waste bye product of coal in thermal power plants).
This research work was aimed at developing low cost-high
performance Zn-27Al matrix composite with low density. Alumina
particulates (Al2O3), graphite added with 0, 2, 3, 4 and 5 wt% fly ash
were utilized to prepare 10wt% reinforcing phase with Zn-27Al alloy
as matrix using two-step stir casting method. Density measurement,
estimated percentage porosity, tensile testing, micro hardness
measurement and optical microscopy were used to assess the
performance of the composites produced. The results show that the
hardness, ultimate tensile strength, and percent elongation of the
hybrid composites decrease with increase in fly ash content. The
maximum decrease in hardness and ultimate tensile strength of
13.72% and 15.25% respectively were observed for composite grade
containing 5wt% fly ash. The percentage elongation of composite
sample without fly ash is 8.9% which is comparable with that of the
sample containing 2wt% fly ash with percentage elongation of 8.8%.
The fracture toughness of the fly ash containing composites was
however superior to those of composites without fly ash with 5wt%
fly ash containing composite exhibiting the highest fracture
toughness. The results show that fly ash can be utilized as
complementary reinforcement in ZA-27 alloy matrix composite to
reduce cost.
Abstract: The consumption of food contaminated with molds
(microscopic filamentous fungi) and their toxic metabolites results in
the development of food-borne mycotoxicosis. The spores of molds
are ubiquitously spread in the environment and can be detected
everywhere. Ochratoxin A is a toxic and potentially carcinogenic
fungal toxin found in a variety of food commodities. In this study, the
mycological quality of various ready-to-eat local and imported pork
meat and meat byproducts sold in Egyptian markets were assessed
and the presence of various molds was determined in pork used as a
raw material, edible organs as liver and kidney as well as in
fermented raw meat by-products. The study assessed the mycological
quality of pork raw meat and their by-products sold in commercial
shops in Cairo, Egypt. Mycological analysis was conducted on
(n=110) samples which included pig’s livers and kidneys from
Egyptian Bassatin slaughter house; local and imported processed
pork meat by-products from Egyptian pork markets. The isolates
were identified using traditional mycological and biochemical tests.
All kidney and liver samples were positive to molds growth while all
byproducts were negative. Ochratoxin A levels were quantitatively
analyzed using the high performance liquid chromatography (HPLC)
and the highest results were present in kidney 7.51 part per billion
(ppb) followed by minced meat 6.19 ppb generally the local samples
showed higher levels than the imported ones. To the best of our
knowledge, this is the first report on mycotoxins detection and
quantification from pork by-products in Egypt.
Abstract: The level and type of student academic motivation are
the key factors in their development and determine the effectiveness
of their education. Improving motivation is very important with
regard to courses on middle school mathematics. This article examines the general position regarding the practice of
academic motivation. It also examines the particular features of
mathematical problem solving in a school setting.