Abstract: Basel III (or the Third Basel Accord) is a global
regulatory standard on bank capital adequacy, stress testing and
market liquidity risk agreed upon by the members of the Basel
Committee on Banking Supervision in 2010-2011, and scheduled to
be introduced from 2013 until 2018. Basel III is a comprehensive set
of reform measures. These measures aim to; (1) improve the banking
sector-s ability to absorb shocks arising from financial and economic
stress, whatever the source, (2) improve risk management and
governance, (3) strengthen banks- transparency and disclosures.
Similarly the reform target; (1) bank level or micro-prudential,
regulation, which will help raise the resilience of individual banking
institutions to periods of stress. (2) Macro-prudential regulations,
system wide risk that can build up across the banking sector as well
as the pro-cyclical implication of these risks over time. These two
approaches to supervision are complementary as greater resilience at
the individual bank level reduces the risk system wide shocks.
Macroeconomic impact of Basel III; OECD estimates that the
medium-term impact of Basel III implementation on GDP growth is
in the range -0,05 percent to -0,15 percent per year. On the other hand
economic output is mainly affected by an increase in bank lending
spreads as banks pass a rise in banking funding costs, due to higher
capital requirements, to their customers. Consequently the estimated
effects on GDP growth assume no active response from monetary
policy. Basel III impact on economic output could be offset by a
reduction (or delayed increase) in monetary policy rates by about 30
to 80 basis points. The aim of this paper is to create a framework
based on the recent regulations in order to prevent financial crises.
Thus the need to overcome the global financial crisis will contribute
to financial crises that may occur in the future periods. In the first
part of the paper, the effects of the global crisis on the banking
system examine the concept of financial regulations. In the second
part; especially in the financial regulations and Basel III are analyzed.
The last section in this paper explored the possible consequences of
the macroeconomic impacts of Basel III.
Abstract: From ancient times Turkic languages have been in
contact with numerous representatives of different language families.
The article discusses the Turkic - Indian language contact and were
shown promise and necessity of this trend for the Turkic linguistics, were given Turkic - Indian lexical parallels in the framework of the nostratic language's macro family. The research work has done on the base of lexical parallels (LP) -of Turkic (which belong to the Altaic family of languages) and Indian (including Dravidian and Indo-Aryan languages).
Abstract: Requirements are critical to system validation as they guide all subsequent stages of systems development. Inadequately specified requirements generate systems that require major revisions or cause system failure entirely. Use Cases have become the main vehicle for requirements capture in many current Object Oriented (OO) development methodologies, and a means for developers to communicate with different stakeholders. In this paper we present the results of a laboratory experiment that explored whether different types of use case format are equally effective in facilitating high knowledge user-s understanding. Results showed that the provision of diagrams along with the textual use case descriptions significantly improved user comprehension of system requirements in both familiar and unfamiliar application domains. However, when comparing groups that received models of textual description accompanied with diagrams of different level of details (simple and detailed) we found no significant difference in performance.
Abstract: This paper presents an application of level sets for the segmentation of abdominal and thoracic aortic aneurysms in CTA
datasets. An important challenge in reliably detecting aortic is the
need to overcome problems associated with intensity
inhomogeneities. Level sets are part of an important class of methods
that utilize partial differential equations (PDEs) and have been extensively applied in image segmentation. A kernel function in the
level set formulation aids the suppression of noise in the extracted
regions of interest and then guides the motion of the evolving contour
for the detection of weak boundaries. The speed of curve evolution
has been significantly improved with a resulting decrease in segmentation time compared with previous implementations of level
sets, and are shown to be more effective than other approaches in
coping with intensity inhomogeneities. We have applied the Courant
Friedrichs Levy (CFL) condition as stability criterion for our algorithm.
Abstract: A supervisory scheme is proposed that implements Stepwise Safe Switching Logic. The functionality of the supervisory scheme is organized in the following eight functional units: Step- Wise Safe Switching unit, Common controllers design unit, Experimentation unit, Simulation unit, Identification unit, Trajectory cruise unit, Operating points unit and Expert system unit. The supervisory scheme orchestrates both the off-line preparative actions, as well as the on-line actions that implement the Stepwise Safe Switching Logic. The proposed scheme is a generic tool, that may be easily applied for a variety of industrial control processes and may be implemented as an automation software system, with the use of a high level programming environment, like Matlab.
Abstract: In this paper, the influencing parameters of a novel
purely mechanical wireless in-mould injection moulding sensor
were investigated. The sensor is capable of detecting the melt
front at predefined locations inside the mould. The sensor comprises
a movable pin which acts as the sensor element generating
structure-borne sound triggered by the passing melt front. Due to
the sensor design, melt pressure is the driving force. For pressure
level measurement during pin movement a pressure transducer
located at the same position as the movable pin. By deriving
a mathematical model for the mechanical movement, dominant
process parameters could be investigated towards their impact
on the melt front detection characteristic. It was found that the
sensor is not affected by the investigated parameters enabling it
for reliable melt front detection. In addition, it could be proved
that the novel sensor is in comparable range to conventional melt
front detection sensors.
Abstract: Content-based music retrieval generally involves analyzing, searching and retrieving music based on low or high level features of a song which normally used to represent artists, songs or music genre. Identifying them would normally involve feature extraction and classification tasks. Theoretically the greater features analyzed, the better the classification accuracy can be achieved but with longer execution time. Technique to select significant features is important as it will reduce dimensions of feature used in classification and contributes to the accuracy. Artificial Immune System (AIS) approach will be investigated and applied in the classification task. Bio-inspired audio content-based retrieval framework (B-ACRF) is proposed at the end of this paper where it embraces issues that need further consideration in music retrieval performances.
Abstract: Latvia is the fourth in the world by means of broadband internet speed. The total number of internet users in Latvia exceeds 70% of its population. The number of active mailboxes of the local internet e-mail service Inbox.lv accounts for 68% of the population and 97.6% of the total number of internet users. The Latvian portal Draugiem.lv is a phenomenon of social media, because 58.4 % of the population and 83.5% of internet users use it. A majority of Latvian company profiles are available on social networks, the most popular being Twitter.com. These and other parameters prove the fact consumers and companies are actively using the Internet.
However, after the authors in a number of studies analyzed how enterprises are employing the e-environment, namely, e-environment tools, they arrived to the conclusions that are not as flattering as the aforementioned statistics. There is an obvious contradiction between the statistical data and the actual studies. As a result, the authors have posed a question: Why are entrepreneurs resistant to e-tools? In order to answer this question, the authors have addressed the Technology Acceptance Model (TAM). The authors analyzed each phase and determined several factors affecting the use of e-environment, reaching the main conclusion that entrepreneurs do not have a sufficient level of e-literacy (digital literacy).
The authors employ well-established quantitative and qualitative methods of research: grouping, analysis, statistic method, factor analysis in SPSS 20 environment etc.
The theoretical and methodological background of the research is formed by, scientific researches and publications, that from the mass media and professional literature, statistical information from legal institutions as well as information collected by the author during the survey.
Abstract: Today's business environment requires that companies have access to highly relevant information in a matter of seconds.
Modern Business Intelligence tools rely on data structured mostly in traditional dimensional database schemas, typically represented by
star schemas. Dimensional modeling is already recognized as a
leading industry standard in the field of data warehousing although
several drawbacks and pitfalls were reported. This paper focuses on
the analysis of another data warehouse modeling technique - the
anchor modeling, and its characteristics in context with the standardized dimensional modeling technique from a query performance perspective. The results of the analysis show
information about performance of queries executed on database
schemas structured according to principles of each database modeling
technique.
Abstract: The paper deals with the analysis of triggering
conditions and evolution processes of piping phenomena, in relation
to both mechanical and hydraulic aspects. In particular, the aim of
the study is to predict slope instabilities triggered by piping,
analysing the conditions necessary for a flow failure to occur. Really,
the mechanical effect involved in the loads redistribution around the
pipe is coupled to the drainage process arising from higher
permeability of the pipe. If after the pipe formation, the drainage
goes prevented for pipe clogging, the porewater pressure increase can
lead to the failure or even the liquefaction, with a subsequent flow
slide. To simulate the piping evolution and to verify relevant stability
conditions, a iterative coupled modelling approach has been pointed
out. As example, the proposed tool has been applied to the Stava
Valley disaster (July, 1985), demonstrating that piping might be one
of triggering phenomena of the tailings dams collapse.
Abstract: Twelve lactating Etawah Crossedbred goats were used
in this study. Goat feed consisted of Cally andra callothyrsus,
Pennisetum purpureum, wheat bran and dried fermented cassava
peel. The cassava peels were fermented with a traditional culture
called “ragi tape" (mixed culture of Saccharomyces cerevisae,
Aspergillus sp, Candida, Hasnula and Acetobacter). The goats were
divided into 2 groups (Control and Treated) of six does. The
experimental diet of the Control group consisted of 70% of roughage
(fresh Callyandra callothyrsus and Pennisetum purpureum 60:40)
and 30% of wheat bran on dry matter (DM) base. In the Treated
group 30% of wheat bran was replaced with dried fermented cassava
peels. Data were statistically analyzed using analysis of variance
followed SPSS program. The concentration of HCN in fermented
cassava peel decreased to non toxic level. Nutrient composition of
dried fermented cassava peel consisted of 85.75% dry matter;
5.80% crude protein and 82.51% total digestible nutrien (TDN).
Substitution of 30% of wheat bran with dried fermented cassava peel
in the diet had no effect on dry matter and organic matter intake but
significantly (P< 0.05) decreased crude protein and TDN
consumption as well as milk yields and milk composition. The study
recommended to reduced the level of substitution to less than 30% of
concentrates in the diet in order to avoid low nutrient intake and milk
production of goats.
Abstract: The paper provides a discussion of the most relevant
aspects of yield curve modeling. Two classes of models are
considered: stochastic and parsimonious function based, through the
approaches developed by Vasicek (1977) and Nelson and Siegel
(1987). Yield curve estimates for Croatia are presented and their
dynamics analyzed and finally, a comparative analysis of models is
conducted.
Abstract: One part of the total employee’s reward is apart from basic wages or salary, employee’s benefits and intangible remuneration also so called contingent (variable) pay. Contingent pay is connected to performance, contribution, cap competency or skills of individual employees, and to team’s or company-wide performance or to combination of few of the mentioned possibilities. Sometimes among the contingent pay is also incorporated the remuneration based on length of employment, when the financial reward is not connected to performance or skills, but to length of continuous employment either on one working position or in one level of remuneration scale. Main aim of this article is to define, based on available information, contingent pay, describe individual forms, its advantages and disadvantages and possibilities to utilization in practice; but also bring information not only about its extent and level of utilization of contingent pay by companies in one of the Czech Republic’s regions, but also mention their practical experience with this type of remuneration.
Abstract: Data Mining aims at discovering knowledge out of
data and presenting it in a form that is easily comprehensible to
humans. One of the useful applications in Egypt is the Cancer
management, especially the management of Acute Lymphoblastic
Leukemia or ALL, which is the most common type of cancer in
children.
This paper discusses the process of designing a prototype that can
help in the management of childhood ALL, which has a great
significance in the health care field. Besides, it has a social impact
on decreasing the rate of infection in children in Egypt. It also
provides valubale information about the distribution and
segmentation of ALL in Egypt, which may be linked to the possible
risk factors.
Undirected Knowledge Discovery is used since, in the case of this
research project, there is no target field as the data provided is
mainly subjective. This is done in order to quantify the subjective
variables. Therefore, the computer will be asked to identify
significant patterns in the provided medical data about ALL. This
may be achieved through collecting the data necessary for the
system, determimng the data mining technique to be used for the
system, and choosing the most suitable implementation tool for the
domain.
The research makes use of a data mining tool, Clementine, so as to
apply Decision Trees technique. We feed it with data extracted from
real-life cases taken from specialized Cancer Institutes. Relevant
medical cases details such as patient medical history and diagnosis
are analyzed, classified, and clustered in order to improve the disease
management.
Abstract: One field experiment was conducted on corn (Zea
mays L.Var. SC 704) to study the effect of three different basic levels
of nitrogen (90, 140and 190 Kg/ha as urea) with 0.01% and 0.02%
pyridoxine pre-sowing seed soaking for 8 hours. Water-soaked seeds
were treated as controled. biomass production was recorded on 45,
70 and 95 days after sowing. Total dry material (TDM), leaf area
index (LAI), crop growth rate (CGR), relative growth rate (RGR) and
net assimilation rate (NAR) was calculated form 45until 95 days after
sowing. Yield and its components such as kernel yield, grain weight,
biologic yield, harvest index and protein percentage was measured at
harvest. In general, 0.02% pyridoxine and 190 Kg pure nitrogen/ha
was shown gave maximum value for growth and yield parameters.
N190 + 0.02 % pyridoxine enhanced seed yield and biologic yield by
57.15% and 62.98% compared to 90kg N and water – soaked
treatment.
Abstract: There are many real world problems in which
parameters like the arrival time of new jobs, failure of resources, and
completion time of jobs change continuously. This paper tackles the
problem of scheduling jobs with random due dates on multiple
identical machines in a stochastic environment. First to assign jobs to
different machine centers LPT scheduling methods have been used,
after that the particular sequence of jobs to be processed on the
machine have been found using simple stochastic techniques. The
performance parameter under consideration has been the maximum
lateness concerning the stochastic due dates which are independent
and exponentially distributed. At the end a relevant problem has been
solved using the techniques in the paper..
Abstract: Due to the mobility of users, many information
systems are now developed with the capability of supporting retrieval
of information from both static and mobile users. Hence, the
amount, content and format of the information retrieved will need to
be tailored according to the device and the user who requested for it.
Thus, this paper presents a framework for the design and
implementation of such a system, which is to be developed for
communicating final examination related information to the
academic community at one university in Malaysia. The concept of
personalization will be implemented in the system so that only highly
relevant information will be delivered to the users. The
personalization concept used will be based on user profiling as well
as context. The system in its final state will be accessible through cell
phones as well as intranet connected personal computers.
Abstract: The amounts of radioactivity in the igneous rocks
have been investigated; samples were collected from the total of eight
basalt rock types in the northeastern of Kurdistan region/Iraq. The
activity concentration of 226Ra (238U) series, 228Ac (232Th) series, 40K
and 137Cs were measured using Planar HPGe and NaI(Tl) detectors.
Along the study area the radium equivalent activities Raeq in Bq/Kg
of samples under investigation were found in the range of 22.16 to
77.31 Bq/Kg with an average value of 44.8 Bq/Kg, this value is much
below the internationally accepted value of 370 Bq/Kg. To estimate
the health effects of this natural radioactive composition, the average
values of absorbed gamma dose rate D (55 nGyh-1), Indoor and
outdoor annual effective dose rates Eied (0.11 mSvy-1) . and Eoed
(0.03 mSvy-1), External hazard index Hex (0.138) and internal hazard
index Hin(0.154), and representative level index Iγr (0.386) have been
calculated and found to be lower than the worldwide average values.
Abstract: Socioeconomic stability and development of a
country, can be describe by housing affordability. It is aimed to
ensure the housing provided as one of the key factors that is
affordable by every income earner group whether low-income,
middle income and high income group. This research carried out is to
find out affordability of home ownership level for first medium cost
landed-house by the middle-income group in Selangor, Malaysia. It is
also hope that it could be seen as able to contribute to the knowledge
and understanding on housing affordability level for the middleincome
group and variables that influenced the medium income
group-s ability to own first medium-cost houses.
Abstract: The aim of this paper is to determine the stress levels
at the end of a long slender shaft such as a drilling assembly used in
the oil or gas industry using a mathematical model in real-time. The
torsional deflection experienced by this type of drilling shaft (about 4
KM length and 20 cm diameter hollow shaft with a thickness of 1
cm) can only be determined using a distributed modeling technique.
The main objective of this project is to calculate angular velocity and
torque at the end of the shaft by TLM method and also analyzing of
the behavior of the system by transient response. The obtained result
is compared with lumped modeling technique the importance of these
results will be evident only after the mentioned comparison. Two
systems have different transient responses and in this project because
of the length of the shaft transient response is very important.