Abstract: One of the most important tasks in the risk
management is the correct determination of probability of default
(PD) of particular financial subjects. In this paper a possibility of
determination of financial institution’s PD according to the creditscoring
models is discussed. The paper is divided into the two parts.
The first part is devoted to the estimation of the three different
models (based on the linear discriminant analysis, logit regression
and probit regression) from the sample of almost three hundred US
commercial banks. Afterwards these models are compared and
verified on the control sample with the view to choose the best one.
The second part of the paper is aimed at the application of the chosen
model on the portfolio of three key Czech banks to estimate their
present financial stability. However, it is not less important to be able
to estimate the evolution of PD in the future. For this reason, the
second task in this paper is to estimate the probability distribution of
the future PD for the Czech banks. So, there are sampled randomly
the values of particular indicators and estimated the PDs’ distribution,
while it’s assumed that the indicators are distributed according to the
multidimensional subordinated Lévy model (Variance Gamma model
and Normal Inverse Gaussian model, particularly). Although the
obtained results show that all banks are relatively healthy, there is
still high chance that “a financial crisis” will occur, at least in terms
of probability. This is indicated by estimation of the various quantiles
in the estimated distributions. Finally, it should be noted that the
applicability of the estimated model (with respect to the used data) is
limited to the recessionary phase of the financial market.
Abstract: A single-phase closed thermosyphon has been
fabricated and experimented to utilize solar energy for water heating.
The working fluid of the closed thermosyphon is heated at the flatplate
collector and the hot water goes to the water tank due to density
gradient caused by temperature differences. This experimental work
was done using insulated water tank and insulated connecting pipe
between the tank and the flat-plate collector. From the collected data,
performance parameters such as instantaneous collector efficiency
and heat removal factor are calculated. In this study, the effects of
glazing were also observed. The water temperature rise and the
maximum instantaneous efficiency obtained from this experiment
with glazing using insulated water tank and insulated connecting pipe
are 17°C in a period of 5 hours and 60% respectively. Whereas the
water temperature rise and the maximum instantaneous efficiency
obtained from this experiment with glazing using non-insulated water
tank and non-insulated connecting pipe are 14°C in a period of 5
hours and 39% respectively.
Abstract: In the second decade of the XXI century the role of
tourism destination attractiveness is becoming increasingly important
for destination management. Competition in tourism market moves
from ordinary service quality to provision of unforgettable emotional
experience for tourists. The main purpose of the present study is to
identify the perception of the tourism destinations based on the
number of factors related to its tourist attractiveness.
The content analysis method was used to analyze the on-line
tourist feedback data immensely available in Social Media and in
travel related sites. The collected data made it possible to procure the
information which is necessary to understand the perceived
attractiveness of the destinations and key destination appeal factors
that are important for Russian leisure travelers.
Results of the present study demonstrate key attractiveness factors
or destination ‘properties’ that were unveiled as the most important
for Russian leisure tourists. The study targeted five main Spanish
tourism destinations that initially were determined by in-depth
interview with a number of Russian nationals who had visited Spain
at least once.
The research results can be useful for Spanish Tourism
Organization Representation office in Russia as well as for the other
national tourism organizations in order to promote their respective
destinations for Russian travelers focusing on main attractiveness
factors identified in this study.
Abstract: The crude oil in an oil well exists in various phases
such as gas, seawater, and sand, as well as oil. Therefore, a phase
separator is needed at the front of a single-phase pump for
pressurization and transfer. On the other hand, the application of a
multiphase pump can provide such advantages as simplification of the
equipment structure and cost savings, because there is no need for a
phase separation process. Therefore, the crude oil transfer method
using a multiphase pump is being applied to recently developed oil
wells. Due to this increase in demand, technical demands for the
development of multiphase pumps are sharply increasing, but the
progress of research into related technologies is insufficient, due to the
nature of multiphase pumps that require high levels of skills. This
study was conducted to verify the reliability of pump performance
evaluation using numerical analysis, which is the basis of the
development of a multiphase pump. For this study, a model was
designed by selecting the specifications of this study. The performance
of the designed model was evaluated through numerical analysis and
experiment. The results of the performance evaluation were compared
to verify the reliability of the result using numerical analysis.
Abstract: Aluminium and its alloys have excellent corrosion
resistant properties, ease of fabrication and high specific strength to
weight ratio. In this investigation an attempt has been made to study
the effect of different post weld heat treatment methods on the
mechanical and metallurgical properties of TIG welded joints of the
commercial aluminium alloy. Three different methods of post weld
heat treatments are solution heat treatment, artificial ageing and
combination of solution heat treatment and artificial aging are given
to TIG welded aluminium joints. Mechanical and metallurgical
properties of As welded joints of the aluminium alloys and post weld
heat treated joints of the aluminium alloys were examined.
Abstract: Supermarkets are the most electricity-intensive type of
commercial buildings. The unsuitable indoor environment of a
supermarket provided by abnormal HVAC operations incurs waste
energy consumption in refrigeration systems. This current study
briefly describes significantly solid backgrounds and proposes easyto-
use analysis terminology for investigating the impact of HVAC
operations on refrigeration power consumption using the field-test
data obtained from building automation system (BAS). With solid
backgrounds and prior knowledge, expected energy interactions
between HVAC and refrigeration systems are proposed through
Pearson’s correlation analysis (R value) by considering correlations
between equipment power consumption and dominantly independent
variables (driving force conditions).The R value can be conveniently
utilized to evaluate how strong relations between equipment
operations and driving force parameters are. The calculated R values
obtained from field data are compared to expected ranges of R values
computed by energy interaction methodology. The comparisons can
separate the operational conditions of equipment into faulty and
normal conditions. This analysis can simply investigate the condition
of equipment operations or building sensors because equipment could
be abnormal conditions due to routine operations or faulty
commissioning processes in field tests. With systematically solid and
easy-to-use backgrounds of interactions provided in the present
article, the procedures can be utilized as a tool to evaluate the proper
commissioning and routine operations of HVAC and refrigeration
systems to detect simple faults (e.g. sensors and driving force
environment of refrigeration systems and equipment set-point) and
optimize power consumption in supermarket buildings. Moreover,
the analysis will be used to further study the FDD research for
supermarkets in future.
Abstract: Esterification of p-bromo-m-cresol led to formation of
2-(4-bromo-3-methylphenoxy)acetate (1). 2-(4-Bromo-3-methyl
phenoxy)acetohydrazide (2) is derived from Compound (1) by
hydrazination. Compound (2) was reacted with different aromatic
aldehydes to yield N-(substituted benzylidiene)-2-(4-bromo-3-methyl
phenoxy)acetamide(3a-c). Cyclization of compound (3a-c) with
thioglycolic acid yielded 2-(4-bromo-3-methylphenoxy)-N-(4-oxo-2-
arylthiazolidin-3-yl) acetamide (4a-c). The newly synthesized
compounds were characterized on the basis of spectral studies and
evaluated for antibacterial and antifungal activities.
Abstract: Kigelia africana (Lam.) Benth. (Bignoniaceae) is a
reputed traditional remedy for various human ailments such as skin
diseases, microbial infections, melanoma, stomach troubles,
metabolic disorders, malaria and general pains. In spite of the fruit
being widely used for purposes related to its antibacterial and
antifungal properties, the chemical constituents associated with the
activity have not been fully identified. To elucidate the active
principles, we evaluated the antimicrobial activity of fruit extracts
and purified fractions against Staphylococcus aureus, Enterococcus
faecalis, Moraxella catarrhalis, Escherichia coli, Candida albicans
and Candida tropicalis. Shade-dried fruits were powdered and
extracted with hydroalcoholic (1:1) mixture by soaking at room
temperature for 72 h. The crude extract was further fractionated by
column chromatography, with successive elution using hexane,
dichloromethane, ethyl acetate, acetone and methanol. The
dichloromethane and ethyl acetate fractions were combined and
subjected to column chromatography to furnish a wax and oil from
the eluates of 20% and 40% ethyl acetate in hexane, respectively. The
GC-MS and GC×GC-MS results revealed that linoleic acid, linolenic
acid, palmitic acid, arachidic acid and stearic acid were the major
constituents in both oil and wax. The crude hydroalcoholic extract
exhibited the strongest activity with MICs of 0.125-0.5 mg/mL,
followed by the ethyl acetate (MICs = 0.125-1.0 mg/mL),
dichloromethane (MICs = 0.250-2.0 mg/mL), hexane (MICs = 0.25-
2.0 mg/mL), acetone (MICs = 0.5-2.0 mg/mL) and methanol (MICs =
1.0-2.0 mg/mL), whereas the wax (MICs = 2.0-4.0 mg/mL) and oil
(MICs = 4.0-8.0 mg/mL) showed poor activity. The study concludes
that synergistic interactions of chemical constituents could be
responsible for the antimicrobial activity of K. africana fruits, which
needs a more holistic approach to understand the mechanism of its
antimicrobial activity.
Abstract: In new energy development, wind power has boomed.
It is due to the proliferation of wind parks and their operation in
supplying the national electric grid with low cost and clean resources.
Hence, there is an increased need to establish a proactive
maintenance for wind turbine machines based on remote control and
monitoring. That is necessary with a real-time wireless connection in
offshore or inaccessible locations while the wired method has many
flaws. The objective of this strategy is to prolong wind turbine
lifetime and to increase productivity. The hardware of a remote
control and monitoring system for wind turbine parks is designed. It
takes advantage of GPRS or Wi-Max wireless module to collect data
measurements from different wind machine sensors through IP based
multi-hop communication. Computer simulations with Proteus ISIS
and OPNET software tools have been conducted to evaluate the
performance of the studied system. Study findings show that the
designed device is suitable for application in a wind park.
Abstract: The psychological impact of peer influence on its
individual group members, can make them resist HIV/AIDS
counselling and testing. This study investigated the correlate of peer
influence and resistance to HIV/AIDS counselling and testing among
students in tertiary institutions in Kano state, Nigeria. To achieve
this, three null hypotheses were postulated and tested. Cross-
Sectional Survey Design was employed in which 1512 sample was
selected from a student population of 104,841.Simple Random
Sampling was used in the selection. A self-developed 20-item scale
called Peer Influence and Psychological Resistance Inventory
(PIPRI) was used for data collection. Pearson Product Moment
Correlation (PPMCC) via test-retest method was applied to estimate a
reliability coefficient of 0.86 for the scale. Data obtained was
analyzed using t-test and PPMCC at 0.05 level of confidence. Results
reveal 26.3% (397) of the respondents being influenced by their peer
group, while 39.8% showed resistance. Also, the t-tests and PPMCC
statistics were greater than their respective critical values. This shows
that there was a significant gender difference in peer influence and a
difference between peer influence and resistance to HIV/AIDS
counselling and testing. However, a positive relationship between
peer influence and resistance to HIV/AIDS counselling and testing
was shown. A major recommendation offered suggests the use of
reinforcement and social support for positive attitudes and
maintenance of safe behaviour among students who patronize
HIV/AIDS counselling.
Abstract: This paper presents reliability indices evaluation of the
rotor core magnetization of the induction motor operated as a self
excited induction generator by using probability distribution approach
and Monte Carlo simulation. Parallel capacitors with calculated
minimum capacitive value across the terminals of the induction motor
operated as a SEIG with unregulated shaft speed have been connected
during the experimental study. A three phase, 4 poles, 50Hz, 5.5 hp,
12.3A, 230V induction motor coupled with DC Shunt Motor was
tested in the electrical machine laboratory with variable reactive loads.
Based on this experimental study, it is possible to choose a reliable
induction machines operated as a SEIG for unregulated renewable
energy application in remote area or where grid is not available.
Failure density function, cumulative failure distribution function,
survivor function, hazard model, probability of success and
probability of failure for reliability evaluation of the three phase
induction motor operating as a SEIG have been presented graphically
in this paper.
Abstract: Cement-based grouts has been used successfully to
repair cracks in many concrete structures such as bridges, tunnels,
buildings and to consolidate soils or rock foundations. In the present
study the rheological characterization of cement grout with
water/binder ratio (W/B) is fixed at 0.5. The effect of the replacement
of cement by bentonite (2 to 10% wt) in presence of superplasticizer
(0.5% wt) was investigated. Several rheological tests were carried out
by using controlled-stress rheometer equipped with vane geometry in
temperature of 20°C. To highlight the influence of bentonite and
superplasticizer on the rheological behavior of grout cement, various
flow tests in a range of shear rate from 0 to 200 s-1 were observed.
Cement grout showed a non-Newtonian viscosity behavior at all
concentrations of bentonite. Three parameter model Herschel-
Bulkley was chosen for fitting of experimental data. Based on the
values of correlation coefficients of the estimated parameters, The
Herschel-Bulkley law model well described the rheological behavior
of the grouts. Test results showed that the dosage of bentonite
increases the viscosity and yield stress of the system and introduces
more thixotropy. While the addition of both bentonite and
superplasticizer with cement grout improve significantly the fluidity
and reduced the yield stress due to the action of dispersion of SP.
Abstract: In this paper a scheme is proposed for generating
a programmable current reference which can be implemented
in the CMOS technology. The current can be varied over a
wide range by changing an external voltage applied to one
of the control gates of FGMOS (Floating Gate MOSFET).
For a range of supply voltages and temperature, CMOS
current reference is found to be dependent, this dependence
is compensated by subtracting two current outputs with the
same dependencies on the supply voltage and temperature.
The system performance is found to improve with the
use of FGMOS. Mathematical analysis of the proposed
circuit is done to establish supply voltage and temperature
independence. Simulation and performance evaluation of the
proposed current reference circuit is done using TANNER
EDA Tools. The current reference shows the supply and
temperature dependencies of 520 ppm/V and 312 ppm/oC,
respectively. The proposed current reference can operate down
to 0.9 V supply.
Abstract: The main goal of this paper was evaluate the effect of
diets containing different levels of probiotic on performance and milk
composition of lactating cows.
Eight Holstein cows were distributed in two 4x4 Latin square. The
diets were based on corn silage, concentrate and the treatment (0, 3, 6
or 9 grams of probiotic/animal/day). It was evaluated the dry matter
intake of nutrients, milk yield and composition.
The use of probiotics did not affect the nutrient intake (p>0.05)
neither the daily milk production or corrected to 4% fat (p>0.05).
However, it was observed that there was a significant fall in milk
composition with higher levels of probiotics supplementation.
These results emphasize the need of further studies with different
experimental designs or improve the number of Latin square with
longer periods of adaptation.
Abstract: The asynchronous discussion forum is one of the most
widely used activities in learning management system environment.
Online forum allows participants to interact, construct knowledge,
and can be used to complement face to face sessions in blended
learning courses. However, to what extent do the students perceive
the benefits or advantages of forum remain to be seen. Through
content and social network analyses, instructors will be able to gauge
the students’ engagement and knowledge construction level. Thus,
this study aims to analyze the students’ level of knowledge
construction and their participation level that occur through online
discussion. It also attempts to investigate the relationship between the
level of knowledge construction and their social interaction patterns.
The sample involves 23 students undertaking a master course in one
public university in Malaysia. The asynchronous discussion forum
was conducted for three weeks as part of the course requirement. The
finding indicates that the level of knowledge construction is quite
low. Also, the density value of 0.11 indicating the overall
communication among the participants in the forum is low. This
study reveals that strong and significant correlations between SNA
measures (in-degree centrality, out-degree centrality) and level of
knowledge construction. Thus, allocating these active students in
different group aids the interactive discussion takes place. Finally,
based upon the findings, some recommendations to increase students’
level of knowledge construction and also for further research are
proposed.
Abstract: The sub-task pattern in terms of deviations and defects
should be identified and understood in order to improve the quality of
practices in construction projects. Therefore, sub-task susceptibility
to exposure to deviations and defects has been evaluated and
classified via six classifications proposed in this study. Thirty-four
case studies of specific sub-tasks (from compression members in
constructed concrete structures) were collected from seven
construction projects in order to examine the study’s proposed
classifications. The study revealed that the sub-task has a high
sensitivity to deviation, where 91% of the cases were recorded as
deviations; however, only 19% of cases were recorded as defects.
Other findings were that the actual work during the execution process
is a high source of deviation for this sub-task (74%), while only 26%
of the source of deviation was due to both design documentation and
the actual work. These findings significantly imply that the study’s
proposed classifications could be used to determine the pattern of
each sub-task and develop proactive actions to overcome issues of
sub-task deviations and defects.
Abstract: Off-site construction methods have played an
important role in the construction sector in the past few decades. It is
increasingly becoming a major alternative technique and strategic
direction compared to traditional in-situ method. It produces a
significant amount of value for the construction industry and the
economy more generally. To date, an impressive number of studies
have been lunched on the perceived perception of off-site
construction. However, it seems that a quantifying benefit on the
offsite construction area is lacking. Therefore, this paper examines
the recent research literature on the benefits of off- site construction
and provides future direction. In the beginning, this paper provides a
brief history and current value of the off-site construction followed
by a detailed discussion on the benefit of off-site construction. These
benefits include but not limited to time saving, quality improvement,
relieving skills shortages, cost reduction and productivity
improvement. Toward this end, off-site construction should learn
from other productive industry similar to services or manufacturing
industry by applying operational management tools and techniques
with extensive focus on employee empowerment will shed the light
on future uptake of Off-site construction. This study is of value in
providing scholars have a clear picture of perceived benefit of off-site
construction research and give an opportunities for future uptake of
off-site method.
Abstract: This paper presents the design analysis of saddle
support of a horizontal pressure vessel. Since saddle have the vital
role to support the pressure vessel and to maintain its stability, it
should be designed in such a way that it can afford the vessel load
and internal pressure of the vessel due to liquid contained in the
vessel. A model of horizontal pressure vessel and saddle support is
created in ANSYS. Stresses are calculated using mathematical
approach and ANSYS software. The analysis reveals the zone of high
localized stress at the junction part of the pressure vessel and saddle
support due to operating conditions. The results obtained by both the
methods are compared with allowable stress value for safe designing.
Abstract: This article describes the information system for
measuring and evaluating the dose rate in the environment of nuclear
power plants Mochovce and Bohunice in Slovakia.
The article presents the results achieved in the implementation of
the EU project – Research of monitoring and evaluation of nonstandard
conditions in the area of nuclear power plants. The
objectives included improving the system of acquisition, measuring
and evaluating data with mobile and autonomous units applying new
knowledge from research.
The article provides basic and specific features of the system and
compared to the previous version of the system, also new functions.
Abstract: The aim of this paper is to propose a novel technique
to guarantee Quality of Service (QoS) in a highly dynamic
environment. The MANET changes its topology dynamically as the
nodes are moved frequently. This will cause link failure between
mobile nodes. MANET cannot ensure reliability without delay. The
relay node is selected based on achieving QoS in previous
transmission. It considers one more factor Connection Existence
Period (CEP) to ensure reliability. CEP is to find out the period
during that connection exists between the nodes. The node with
highest CEP becomes a next relay node. The relay node is selected
dynamically to avoid frequent failure. The bandwidth of each link
changed dynamically based on service rate and request rate. This
paper proposes Active bandwidth setting up algorithm to guarantee
the QoS. The series of results obtained by using the Network
Simulator (NS-2) demonstrate the viability of our proposed
techniques.