Abstract: Commercial banks in Nigeria adopted many strategies
to attract fresh deposits including the use of high deposit rate.
However, pricing of banking services moved in favor of the banks at
the expense of customers, resulting in their seeking other investment
alternatives rather than saving their money in the bank. Both deposit
and lending rates were greatly influenced by the Central Bank of
Nigeria (CBN) decision on interest rate. Therefore, commercial bank
effort to attract deposits via manipulation of her rates was greatly
limited, otherwise the banks will be giving out more than it earned.
The study aimed at examining the relationship between interest rate
and fixed fund deposit of commercial banks, how policy-controlled
interest rate affected commercial bank’s fixed fund deposit The
researcher employed ordinary least square technique, using, multiple
linear regression, unrestricted vector auto-regression, correlation
matrix test, granger causality and impulse response graph in the
analysis. Commercial bank’s interest rates affected commercial
bank’s fixed fund deposit significantly while policy-controlled
interest rate did not significantly transmit through the commercial
bank’s interest rates to affect fixed fund deposit. While commercial
banks seek creative ways to expand their fixed fund deposit, policy
authorities in Nigeria should better coordinate interest rate fluctuation
and induce competition in the entire financial sector.
Abstract: The disposal and the treatment of sewage sludge is an
expensive and environmentally complex problem. In this work, a
lipopeptide biosurfactant extracted from corn steep liquor was used
as ecofriendly and cost-competitive alternative for the mobilization
and bioremediation of fluorene in sewage sludge. Results have
demonstrated that this biosurfactant has the capability to mobilize
fluorene to the aqueous phase, reducing the amount of fluorene in the
sewage sludge from 484.4 mg/Kg up to 413.7 mg/Kg and 196.0
mg/Kg after 1 and 27 days respectively. Furthermore, once the
fluorene was extracted the lipopeptide biosurfactant contained in the
aqueous phase allowed the biodegradation, up to 40.5% of the initial
concentration of this polycyclic aromatic hydrocarbon.
Abstract: Steel slag is a by-product of the steel industry and can
be used potentially as aggregate in the asphalt mixture. This study
evaluates the use of Steel Slag Aggregates (SSA) as a substitute for
natural aggregates in the production of hot mix asphalt (HMA) for
road construction. Based on intensive laboratory testing program, the
characteristic properties of SSA were assessed to determine its
suitability to be used in HMA. Four different percentages (0, 50, 75,
and 100%) of SSA were used, and the proposed mix designs for
HMA were conducted in accordance with Marshall mix design. The
experiment results revealed that the addition of SSA has a significant
improvement on the properties of HMA. An increase in density and
stability and a reduction in flow and air voids values were clearly
observed in specimens prepared with 100% SSA. It is concluded that
the steel slag can be considered reasonable alternative source of
aggregate for concrete asphalt mixture production.
Abstract: In insulation and cooling of power transformers
various liquids are used. Mineral oils have wide availability and low
cost. However, they have a poor biodegradability potential and lower
fire point in comparison with other insulating liquids. Use of a liquid
having high biodegradability is important due to environmental
consideration. This paper investigates edible corn oil as an alternative
to mineral oil. Various properties of mineral and corn oil like
breakdown voltage, dissipation factor, relative dielectric constant,
power loss and resistivity were measured according to different
standards.
Abstract: This report presents an alternative technique of
application of contrast agent in vivo, i.e. before sampling. By this
new method the electron micrograph of tissue sections have an
acceptable contrast compared to other methods and present no artifact
of precipitation on sections. Another advantage is that a small amount
of contrast is needed to get a good result given that most of them are
expensive and extremely toxic.
Abstract: The recent interest in alternative and renewable
energy systems results in increased installed capacity ratio of such
systems in total energy production of the world. Specifically, Wind
Energy Conversion Systems (WECS) draw significant attention
among possible alternative energy options, recently. On the contrary
of the positive points of penetrating WECS in all over the world in
terms of environment protection, energy independence of the
countries, etc., there are significant problems to be solved for the grid
connection of large scale WECS. The reactive power regulation,
voltage variation suppression, etc. can be presented as major issues to
be considered in this regard. Thus, this paper evaluates the
application of a Static VAr Compensator (SVC) unit for the reactive
power regulation and operation continuity of WECS during a fault
condition. The system is modeled employing the IEEE 13 node test
system. Thus, it is possible to evaluate the system performance with
an overall grid simulation model close to real grid systems. The
overall simulation model is developed in
MATLAB/Simulink/SimPowerSystems® environments and the
obtained results effectively match the target of the provided study.
Abstract: The purpose of this project is to propose a quick and
environmentally friendly alternative to measure the quality of oils
used in food industry. There is evidence that repeated and
indiscriminate use of oils in food processing cause physicochemical
changes with formation of potentially toxic compounds that can
affect the health of consumers and cause organoleptic changes. In
order to assess the quality of oils, non-destructive optical techniques
such as Interferometry offer a rapid alternative to the use of reagents,
using only the interaction of light on the oil. Through this project, we
used interferograms of samples of oil placed under different heating
conditions to establish the changes in their quality. These
interferograms were obtained by means of a Mach-Zehnder
Interferometer using a beam of light from a HeNe laser of 10mW at
632.8nm. Each interferogram was captured, analyzed and measured
full width at half-maximum (FWHM) using the software from
Amcap and ImageJ. The total of FWHMs was organized in three
groups. It was observed that the average obtained from each of the
FWHMs of group A shows a behavior that is almost linear, therefore
it is probable that the exposure time is not relevant when the oil is
kept under constant temperature. Group B exhibits a slight
exponential model when temperature raises between 373 K and 393
K. Results of the t-Student show a probability of 95% (0.05) of the
existence of variation in the molecular composition of both samples.
Furthermore, we found a correlation between the Iodine Indexes
(Physicochemical Analysis) and the Interferograms (Optical
Analysis) of group C. Based on these results, this project highlights
the importance of the quality of the oils used in food industry and
shows how Interferometry can be a useful tool for this purpose.
Abstract: Biodiesel is one of the alternative fuels that promising
for substituting petro diesel as energy source which is advantage on
sustainability and ecofriendly. Due to the raw material that tend to
decompose during storage, biodiesel also have the same characteristic
that tend to decompose and formed higher acid value which is the
result of oxidation to double bond on a chain of ester. Decomposition of biodiesel due to oxidation reaction could
prevent by introduce a small amount of antioxidant. The origin of raw
materials and the process for producing biodiesel will determine the
effectiveness of antioxidant. The quality degradation on biodiesel
could evaluate by measuring iodine value and acid number of
biodiesel. Biodiesel made from high fatty acid Jatropha curcas oil by using
esterification and transesterification process will stand on the quality
by introduce 90 ppm pyrogallol powder on the biodiesel, which could
increase Induction period time from 2 hours to more than 6 hours in
rancimat test evaluation.
Abstract: Crops diversity and maintaining and enhancing the
fertility of agricultural lands are basic principles of organic farming.
With a wider range of crops in agroecosystem can improve the ability
to control weeds, pests and diseases, and the performance of crops
rotation and food safety. In this sense, the main objective of the
research was to study the productivity and chemical composition of
some alternative crops and their adaptability to soil and climatic
conditions of the agricultural area in Southern Romania and to
cultivation in the organic farming system. The alternative crops were:
lentil (7 genotypes); five species of grain legumes (5 genotypes); four
species of oil crops (5 genotypes). The seed production was, on
average: 1343 kg/ha of lentil; 2500 kg/ha of field beans; 2400 kg/ha
of chick peas and blackeyed peas; more than 2000 kg/ha of atzuki
beans, over 1250 kg/ha of fenugreek; 2200 kg/ha of safflower; 570
kg/ha of oil pumpkin; 2150 kg/ha of oil flax; 1518 kg/ha of camelina.
Regarding chemical composition, lentil seeds contained: 22.18%
proteins, 3.03% lipids, 33.29% glucides, 4.00% minerals, and 259.97
kcal energy values. For field beans: 21.50% proteins, 4.40% lipids,
63.90% glucides, 5.85% minerals, 395.36 kcal energetic value. For
chick peas: 21.23% proteins, 4.55% lipids, 53.00% glucides, 3.67%
minerals, 348.22 kcal energetic value. For blackeyed peas: 23.30%
proteins, 2.10% lipids, 68.10% glucides, 3.93% minerals, 350.14 kcal
energetic value. For adzuki beans: 21.90% proteins, 2.60% lipids,
69.30% glucides, 4.10% minerals, 402.48 kcal energetic value. For
fenugreek: 21.30% proteins, 4.65% lipids, 63.83% glucides, 5.69%
minerals, 396.54 kcal energetic value. For safflower: 12.60%
proteins, 28.37% lipids, 46.41% glucides, 3.60% minerals, 505.78
kcal energetic value. For camelina: 20.29% proteins, 31.68% lipids,
36.28% glucides, 4.29% minerals, 526.63 kcal energetic value. For
oil pumpkin: 29.50% proteins, 36.92% lipids, 18.50% glucides,
5.41% minerals, 540.15 kcal energetic value. For oil flax: 22.56%
proteins, 34.10% lipids, 27.73% glucides, 5.25% minerals, 558.45
kcal energetic value.
Abstract: Transparent nickel doped cobalt sulfide was fabricated
on a SnO2:F electrode and tested as an efficient electrocatalyst and as
an alternative to the expensive platinum counter electrode. In order to
investigate how this electrode could affect the electrical
characteristics of a dye-sensitized solar cell, we manufactured cells
with the same TiO2 photoanode sensitized with dye (N719) and
employing the same quasi-solid electrolyte, altering only the counter
electrode used. The cells were electrically and electrochemically
characterized and it was observed that the ones with the Ni doped
CoS2 outperformed the efficiency of the cells with the Pt counter
electrode (3.76% and 3.44% respectively). Particularly, the higher
efficiency of the cells with the Ni doped CoS2 counter electrode (CE)
is mainly because of the enhanced photocurrent density which is
attributed to the enhanced electrocatalytic ability of the CE and the
low charge transfer resistance at the CE/electrolyte interface.
Abstract: This paper will seek to clarify important key terms
such as home schooling and home education as well as the legalities
attached to such terms. It will reflect on the recent proposed changes
to terminology in NSW, Australia. The various pedagogical
approaches to home education will be explored including their
prominence in the Australian context. There is a strong focus on
literature from Australia. The historical background of home
education in Australia will be explained as well as the difference
between distance education and home education. The future of home
education in Australia will be discussed.
Abstract: Biodiesel production from vegetable oil will produce
glycerol as by-product about 10% of the biodiesel production. The
amount of glycerol that was produced needed alternative way to
handling immediately so as to not become the waste that polluted
environment. One of the solutions was to process glycerol to
polyglycidyl nitrate (PGN). PGN is synthesized from glycerol by
three-step reactions i.e. nitration of glycerol, cyclization of 13-
dinitroglycerine and polymerization of glycosyl nitrate. Optimum
condition of nitration of glycerol with nitric acid has not been known.
Thermodynamic feasibility should be done before run experiments in
the laboratory. The aim of this study was to determine the parameters
those affect nitration of glycerol and nitric acid and chose the
operation condition. Many parameters were simulated to verify its
possibility to experiment under conditions which would get the
highest conversion of 1, 3-dinitroglycerine and which was the ideal
condition to get it. The parameters that need to be studied to obtain
the highest conversion of 1, 3-dinitroglycerine were mol ratio of
nitric acid/glycerol, reaction temperature, mol ratio of
glycerol/dichloromethane and pressure. The highest conversion was
obtained in the range of mol ratio of nitric acid /glycerol between 2/1
– 5/1, reaction temperature of 5-25oC and pressure of 1 atm. The
parameters that need to be studied further to obtain the highest
conversion of 1.3 DNG are mol ratio of nitric acid/glycerol and
reaction temperature.
Abstract: This paper presents a state-of-the-art survey of the
operations research models developed for internal audit planning.
Two alternative approaches have been followed in the literature for
audit planning: (1) identifying the optimal audit frequency; and (2)
determining the optimal audit resource allocation. The first approach
identifies the elapsed time between two successive audits, which can
be presented as the optimal number of audits in a given planning
horizon, or the optimal number of transactions after which an audit
should be performed. It also includes the optimal audit schedule. The
second approach determines the optimal allocation of audit frequency
among all auditable units in the firm. In our review, we discuss both
the deterministic and probabilistic models developed for audit
planning. In addition, game theory models are reviewed to find the
optimal auditing strategy based on the interactions between the
auditors and the clients.
Abstract: In this paper, we explore the macroeconomic effects
of the European Single Market on Austria by simulating the
McKibbin-Sachs Global Model. Global interdependences and the
impact of long-run effects on short-run adjustments are taken into
account. We study the sensitivity of the results with respect to
different assumptions concerning monetary and fiscal policies for the
countries and regions of the world economy. The consequences of
different assumptions about budgetary policies in Austria are also
investigated. The simulation results are contrasted with ex-post
evaluations of the actual impact of Austria’s membership in the
Single Market. As a result, it can be concluded that the Austrian
participation in the European Single Market entails considerable
long-run gains for the Austrian economy with nearly no adverse sideeffects
on any macroeconomic target variable.
Abstract: The growth of organic farming practices in the last
few decades is continuing to stimulate the international debate about
this alternative food market. As a part of a PhD project research
about embeddedness in Alternative Food Networks (AFNs), this
paper focuses on the promotional aspects of organic farms websites
from the Madrid region. As a theoretical tool, some knowledge
categories drawn on the geographic studies literature are used to
classify the many ideas expressed in the web pages. By analysing
texts and pictures of 30 websites, the study aims to question how and
to what extent actors from organic world communicate to the
potential customers their personal beliefs about farming practices,
products qualities, and ecological and social benefits. Moreover, the
paper raises the question of whether organic farming laws and
regulations lack of completeness about the social and cultural aspects
of food.
Abstract: While choosing insulating oil, characteristic features
such as thermal cooling, endurance, efficiency and being
environment-friendly should be considered. Mineral oils are referred
as petroleum-based oil. In this study, vegetable oils investigated as an
alternative insulating liquid to mineral oil. Dissipation factor,
breakdown voltage, relative dielectric constant and resistivity
changes with the frequency and voltage of mineral, rapeseed and nut
oils were measured. Experimental studies were performed according
to ASTM D924 and IEC 60156 standards.
Abstract: Residential buildings consume significant amounts of
energy and produce large amount of emissions and waste. However,
there is a substantial potential for energy savings in this sector which
needs to be evaluated over the life cycle of residential buildings. Life
Cycle Assessment (LCA) methodology has been employed to study
the primary energy uses and associated environmental impacts of
different phases (i.e., product, construction, use, end of life, and
beyond building life) for residential buildings. Four different
alternatives of residential buildings in Vancouver (BC, Canada) with
a 50-year lifespan have been evaluated, including High Rise
Apartment (HRA), Low Rise Apartment (LRA), Single family
Attached House (SAH), and Single family Detached House (SDH).
Life cycle performance of the buildings is evaluated for embodied
energy, embodied environmental impacts, operational energy,
operational environmental impacts, total life-cycle energy, and total
life cycle environmental impacts. Estimation of operational energy
and LCA are performed using DesignBuilder software and Athena
Impact estimator software respectively.
The study results revealed that over the life span of the buildings,
the relationship between the energy use and the environmental
impacts are identical. LRA is found to be the best alternative in terms
of embodied energy use and embodied environmental impacts; while,
HRA showed the best life-cycle performance in terms of minimum
energy use and environmental impacts. Sensitivity analysis has also
been carried out to study the influence of building service lifespan
over 50, 75, and 100 years on the relative significance of embodied
energy and total life cycle energy. The life-cycle energy requirements
for SDH are found to be a significant component among the four
types of residential buildings. The overall disclose that the primary
operations of these buildings accounts for 90% of the total life cycle
energy which far outweighs minor differences in embodied effects
between the buildings.
Abstract: A new fast growing trend in tourism is ecotourism, in
which tourists visit natural ecosystems under low impact, nonconsumptive
and locally oriented activities. Through these activities
species and habitats are maintained and typically, underdeveloped
regions are emphasized. Ecotourism provides a great alternative,
especially for rural and undeveloped area. At the same time, despite
its many benefits, it also poses many risks for the naturally protected
areas. If ecotourism is practiced improperly degradation and
irreversible damages could be the unwanted result. In addition, the
lack of MSc programs in the field of Ecotourism in Europe makes it a
necessity to be developed. Such an MSc program is being
implemented with the lead partner the Technical University of
Madrid. The entire partnership has six Universities, seven SMEs and
one National Park from seven different countries all over Europe.
The MSc will have 10 educational modules that will be available
online and will prepare professionals that will be able to implement
ecotourism in a sustainable way. Only through awareness and
education a sustainable ecotourism will be achieved in the protected
areas of Europe.
Abstract: Psyllium gum alone and in combination with
sunflower oil was investigated as a possible alternative edible coating
for improvement of quality and shelf life of fresh-cut papaya.
Different concentrations including 0.5, 1 and 1.5 percent of psyllium
gum were used for coating of fresh-cut papaya. In some samples,
refined sunflower oil was used as a lipid component to increase the
effectiveness of coating in terms of water barrier properties. Soya
lecithin was used as an emulsifier in coatings containing oil.
Pretreatment with 1% calcium chloride was given to maintain the
firmness of fresh-cut papaya cubes. 1% psyllium gum coating was
found to yield better results. Further, addition of oil helped to
maintain the quality and acted as a barrier to water vapour, therefore,
minimizing the weight loss.
Abstract: Several parameters are established in order to measure
biodiesel quality. One of them is the iodine value, which is an
important parameter that measures the total unsaturation within a
mixture of fatty acids. Limitation of unsaturated fatty acids is
necessary since warming of higher quantity of these ones ends in
either formation of deposits inside the motor or damage of lubricant.
Determination of iodine value by official procedure tends to be very
laborious, with high costs and toxicity of the reagents, this study uses
artificial neural network (ANN) in order to predict the iodine value
property as an alternative to these problems. The methodology of
development of networks used 13 esters of fatty acids in the input
with convergence algorithms of back propagation of back
propagation type were optimized in order to get an architecture of
prediction of iodine value. This study allowed us to demonstrate the
neural networks’ ability to learn the correlation between biodiesel
quality properties, in this caseiodine value, and the molecular
structures that make it up. The model developed in the study reached
a correlation coefficient (R) of 0.99 for both network validation and
network simulation, with Levenberg-Maquardt algorithm.