Abstract: Every commercial bank optimises its asset portfolio
depending on the profitability of assets and chosen or imposed
constraints. This paper proposes and applies a stylized model for
optimising banks' asset and liability structure, reflecting profitability
of different asset categories and their risks as well as costs associated
with different liability categories and reserve requirements. The level
of detail for asset and liability categories is chosen to create a
suitably parsimonious model and to include the most important
categories in the model. It is shown that the most appropriate
optimisation criterion for the model is the maximisation of the ratio
of net interest income to assets. The maximisation of this ratio is
subject to several constraints. Some are accounting identities or
dictated by legislative requirements; others vary depending on the
market objectives for a particular bank. The model predicts variable
amount of assets allocated to loan provision.
Abstract: Towards the end of 19th century, the discovery of tin
and the growing importance of rubber, had led Malaya to once again
become the centre of attraction to western colonization, which later
on caused the region to be influxed by cheap labour from China and
India. One of the factors which attracted the alien communities was
the characteristics of social relation offered by the Malays. If one
analyzes the history of social relation of the Malays either among
themselves or their relation with alien communities, it is apparent that
the community places high regards to values such as tolerant,
cooperative, respectful and helpful with each other. In fact, all these
values are deeply rooted in the value of 'budi'. With the arrival of
Islam, the value of 'budi' had been well assimilated with Islamic
values thus giving birth to the value of 'budi-Islam'. Through 'budi-
Islam', the Malay conducted their dealings with British as well the
other communities during the time of peace or conflict. This value is
well nurtured due to the geographical circumstances like the fertile,
naturally rich land and bountiful marine life. Besides, a set of Malay
customs known as 'adat' custom contributed in enhancing the values
of budi.
Abstract: Cenozoic basalts found in Jiangsu province of eastern
China include tholeiites and alkali basalts. The present paper analyzed
the major, trace elements, rare earth elements of these Cenozoic
basalts and combined with Sr-Nd isotopic compositions proposed by
Chen et al. (1990)[1] in the literatures to discuss the petrogenesis of
these basalts and the geochemical characteristics of the source mantle.
Based on major, trace elements and fractional crystallization model
established by Brooks and Nielsen (1982)[2] we suggest that the
basaltic magma has experienced olivine + clinopyroxene fractionation
during its evolution. The chemical compositions of basaltic rocks from
Jiangsu province indicate that these basalts may belong to the same
magmatic system. Spidergrams reveal that Cenozoic basalts from
Jiangsu province have geochemical characteristics similar to those of
ocean island basalts(OIB). The slight positive Nb and Ti anomalies
found in basaltic rocks of this study suggest the presence of Ti-bearing
minerals in the mantle source and these Ti-bearing minerals had
contributed to basaltic magma during partial melting, indicating a
metasomatic event might have occurred before the partial melting.
Based on the Sr vs. Nd isotopic ratio plots, we suggest that Jiangsu
basalts may be derived from partial melting of mantle source which
may represent two-end members mixing of DMM and EM-I. Some
Jiangsu basaltic magma may be derived from partial melting of EM-I
heated by the upwelling asthenospheric mantle or asthenospheric
diapirism.
Abstract: Certifications such as the Passive House Standard aim to reduce the final space heating energy demand of residential buildings. Space conditioning, notably heating, is responsible for nearly 70% of final residential energy consumption in Europe. There is therefore significant scope for the reduction of energy consumption through improvements to the energy efficiency of residential buildings. However, these certifications totally overlook the energy embodied in the building materials used to achieve this greater operational energy efficiency. The large amount of insulation and the triple-glazed high efficiency windows require a significant amount of energy to manufacture. While some previous studies have assessed the life cycle energy demand of passive houses, including their embodied energy, these rely on incomplete assessment techniques which greatly underestimate embodied energy and can lead to misleading conclusions. This paper analyses the embodied and operational energy demands of a case study passive house using a comprehensive hybrid analysis technique to quantify embodied energy. Results show that the embodied energy is much more significant than previously thought. Also, compared to a standard house with the same geometry, structure, finishes and number of people, a passive house can use more energy over 80 years, mainly due to the additional materials required. Current building energy efficiency certifications should widen their system boundaries to include embodied energy in order to reduce the life cycle energy demand of residential buildings.
Abstract: Superplastic deformation and high temperature load
relaxation behavior of coarse-grained iron aluminides with the
composition of Fe-28 at.% Al have been investigated. A series of load
relaxation and tensile tests were conducted at temperatures ranging
from 600 to 850oC. The flow curves obtained from load relaxation
tests were found to have a sigmoidal shape and to exhibit stress vs.
strain rate data in a very wide strain rate range from 10-7/s to 10-2/s.
Tensile tests have been conducted at various initial strain rates ranging
from 3×10-5/s to 1×10-2/s. Maximum elongation of ~500 % was
obtained at the initial strain rate of 3×10-5/s and the maximum strain
rate sensitivity was found to be 0.68 at 850oC in binary Fe-28Al alloy.
Microstructure observation through the optical microscopy (OM) and
the electron back-scattered diffraction (EBSD) technique has been
carried out on the deformed specimens and it has revealed the
evidences for grain boundary migration and grain refinement to occur
during superplastic deformation, suggesting the dynamic
recrystallization mechanism. The addition of Cr by the amount of 5
at.% appeared to deteriorate the superplasticity of the binary iron
aluminide. By applying the internal variable theory of structural
superplasticity, the addition of Cr has been revealed to lower the
contribution of the frictional resistance to dislocation glide during high
temperature deformation of the Fe3Al alloy.
Abstract: The autonomous mobile robot was designed and implemented which was capable of navigating in the industrial environments and did a job of picking objects from variable height and delivering it to another location following a predefined trajectory. In developing country like Bangladesh industrial robotics is not very prevalent yet, due to the high installation cost. The objective of this project was to develop an autonomous mobile robot for industrial application using the available resources in the local market at lower manufacturing cost. The mechanical system of the robot was comprised of locomotion, gripping and elevation system. Grippers were designed to grip objects of a predefined shape. Cartesian elevation system was designed for vertical movement of the gripper. PIC18F452 microcontroller was the brain of the control system. The prototype autonomous robot was fabricated for relatively lower load than the industry and the performance was tested in a virtual industrial environment created within the laboratory to realize the effectiveness.
Abstract: Islamic banking is one the most blossoming doctrine in
economic system of the world. The Fast growing awareness about
Islamic financial system has brought strong feeling to Muslims to
confront the western interest-based economic cycle. The Islamic
economic system is emerging as a reliable alternative to the interest
based system. This study is proposed to ascertain the motivational
factors encouraging people to go for Islamic banking in Pakistan.
These pulsing factors are determined by generation of hypothesis that
there are certain factors which are urging people to opt Islamic
banking system and to see the differences in their ranking by applying
Friedman test. These factors include: Economically derived factors
such as stability of Islamic banks in crisis, profit and loss sharing
doctrine and equity sharing etc. This study also highlights the
religiously derived factors such as interest free banking, Shariah
tenets and supervisory of Islamic Shariah board and sociopsychological
factors.
Abstract: Aluminum alloy has an extensive range of industrial application due to its consistent mechanical properties and structural integrity. The heat treatment by precipitation technique affected the Magnesium, Silicon Manganese and copper crystals dissolved in the Aluminum alloy. The crystals dislocated to precipitate on the crystal’s boundaries of the Aluminum alloy when given a thermal energy increased its hardness. In this project various times and temperature were varied to find out the best combination of these variables to increase the precipitation of the metals on the Aluminum crystal’s boundaries which will lead to get the highest hardness. These specimens are then tested for their hardness and tensile strength. It is noticed that when the temperature increases, the precipitation increases and consequently the hardness increases. A threshold temperature value (264C0) of Aluminum alloy should not be reached due to the occurrence of recrystalization which causes the crystal to grow. This recrystalization process affected the ductility of the alloy and decrease hardness. In addition, and while increasing the temperature the alloy’s mechanical properties will decrease. The mechanical properties, namely tensile and hardness properties are investigated according to standard procedures. In this research, different temperature and time have been applied to increase hardening.The highest hardness at 100°c in 6 hours equals to 207.31 HBR, while at the same temperature and time the lowest elongation equals to 146.5.
Abstract: Organization of video databases is becoming difficult
task as the amount of video content increases. Video classification
based on the content of videos can significantly increase the speed of
tasks such as browsing and searching for a particular video in a
database. In this paper, a content-based videos classification system
for the classes indoor and outdoor is presented. The system is
intended to be used on a mobile platform with modest resources. The
algorithm makes use of the temporal redundancy in videos, which
allows using an uncomplicated classification model while still
achieving reasonable accuracy. The training and evaluation was done
on a video database of 443 videos downloaded from a video sharing
service. A total accuracy of 87.36% was achieved.
Abstract: The evaluation and measurement of human body
dimensions are achieved by physical anthropometry. This research
was conducted in view of the importance of anthropometric indices
of the face in forensic medicine, surgery, and medical imaging. The
main goal of this research is to optimization of facial feature point by
establishing a mathematical relationship among facial features and
used optimize feature points for age classification. Since selected
facial feature points are located to the area of mouth, nose, eyes and
eyebrow on facial images, all desire facial feature points are extracted
accurately. According this proposes method; sixteen Euclidean
distances are calculated from the eighteen selected facial feature
points vertically as well as horizontally. The mathematical
relationships among horizontal and vertical distances are established.
Moreover, it is also discovered that distances of the facial feature
follows a constant ratio due to age progression. The distances
between the specified features points increase with respect the age
progression of a human from his or her childhood but the ratio of the
distances does not change (d = 1 .618 ) . Finally, according to the
proposed mathematical relationship four independent feature
distances related to eight feature points are selected from sixteen
distances and eighteen feature point-s respectively. These four feature
distances are used for classification of age using Support Vector
Machine (SVM)-Sequential Minimal Optimization (SMO) algorithm
and shown around 96 % accuracy. Experiment result shows the
proposed system is effective and accurate for age classification.
Abstract: Some of the students' problems in writing skill stem
from inadequate preparation for the writing assignment. Students
should be taught how to write well when they arrive in language
classes. Having selected a topic, the students examine and explore the
theme from as large a variety of viewpoints as their background and
imagination make possible. Another strategy is that the students
prepare an Outline before writing the paper. The comparison between
the two mentioned thought provoking techniques was carried out
between the two class groups –students of Islamic Azad University of
Dezful who were studying “Writing 2" as their main course. Each
class group was assigned to write five compositions separately in
different periods of time. Then a t-test for each pair of exams between
the two class groups showed that the t-observed in each pair was
more than the t-critical. Consequently, the first hypothesis which
states those who utilize Brainstorming as a thought provoking
technique in prewriting phase are more successful than those who
outline the papers before writing was verified.
Abstract: In the article the remains of the base of the minaret,
found in 2009 at the medieval fortress shakhristan Aktobe, which is
located along the courses of the rivers Balta and Aksu. The minaret,
which consists of two parts: the stylobate in the pit and base part
refers to the XI-XII centuries. The preserved height of the building is
3.6 meters. Volume stylobat quadrangular minaret, the corners of
which are aimed at the four corners of the world amounts to 8,65 x8,
5 m, height – 2.6 m. Diameter octagonal upper cap of 7.85 m and a
height of preserved – 1 m. This minaret is of particular importance
among the historical and architectural monuments of Kazakhstan, as
it is so far the only minaret belonging to Karakhanid epoch in which
Islam was the state religion.
Abstract: Discussion and development of principles of the
uniform nation formation within the limits of the Kazakhstan state
obviously became one of the most pressing questions of the day. The
fact that this question has not been solved "from above" as many
other questions has caused really brisk discussion, shows us increase
of civil consciousness in Kazakhstan society, and also the actuality of
this theme which can be carried in the category of fatal questions. In
any sense, nation building has raised civil society to a much higher
level. It would be better to begin with certain definitions. First is the
word "nation". The second is the "state". Both of these terms are very
closely connected with each other, so that in English language they
are in general synonyms. In Russian more shades of these terms
exist. For example in Kazakhstan the citizens of the country
irrespective of nationality (but mainly with reference to non-kazakhs)
are called «kazakhstanians», while the name of the title nation is
\"Kazakhs\". The same we can see in Russia, where, for example, the
Chechen or the Yakut –are \"Rossiyane\" which means “the citizens
of Russian Federation, but not \"Russians\".
The paper was written under the research project “Islam in modern
Kazakhstan: the nature and outcome of the religious revival”.
Abstract: The purpose of this article is to analyze the
degree of concentration in the banking market in EU member
states as well as to determine the impact of the length of EU
membership on the degree of concentration. In that sense
several analysis were conducted, specifically, panel analysis,
calculation of correlation coefficient and regression analysis of
the impact of the length of EU membership on the degree of
concentration. Panel analysis was conducted to determine
whether there is a similar trend of concentration in three
groups of countries - countries with a low, moderate and high
level of concentration. The conducted panel analysis showed
that in EU countries with a moderate level of concentration,
the level of concentration decreases. The calculation of
correlation showed that, to some extent, with other influential
factors, the length of EU membership negatively affects the
market concentration of the banking market. Using the
regression analysis for investigation of the influence of the
length of EU membership on the level of concentration in the
banking sector in a particular country, the results reveal that
there is a negative effect of the length in EU membership on
market concentration, although it is not significantly influential
variable.
Abstract: The deficit of power for electricity demand reaches
almost 30% for consumers in the last few years. This reflects with
continually increasing the price of electricity, and today the price for
small industry is almost 110Euro/MWh. The high price is additional
problem for the owners in the economy crisis which is reflected with
higher price of the goods.
The paper gives analyses of the energy needs for real agro
complex in Macedonia, private vinery with capacity of over 2 million
liters in a year and with self grapes and fruits fields. The existing
power supply is from grid with 10/04 kV transformer. The
geographical and meteorological condition of the vinery location
gives opportunity for including renewable as a power supply option
for the vinery complex.
After observation of the monthly energy needs for the vinery, the
base scenario is the existing power supply from the distribution grid.
The electricity bill in small industry has three factors: electricity in
high and low tariffs in kWh and the power engaged for the
technological process of production in kW. These three factors make
the total electricity bill and it is over 110 Euro/MWh which is the
price near competitive for renewable option. On the other side
investments in renewable (especially photovoltaic (PV)) has tendency
of decreasing with price of near 1,5 Euro/W. This means that
renewable with PV can be real option for power supply for small
industry capacities (under 500kW installed power).
Therefore, the other scenarios give the option with PV and the last
one includes wind option. The paper presents some scenarios for
power supply of the vinery as the followings:
• Base scenario of existing conventional power supply from the
grid
• Scenario with implementation of renewable of Photovoltaic
• Scenario with implementation of renewable of Photovoltaic and
Wind power
The total power installed in a vinery is near 570 kW, but the
maximum needs are around 250kW. At the end of the full paper some
of the results from scenarios will be presented. The paper also
includes the environmental impacts of the renewable scenarios, as
well as financial needs for investments and revenues from renewable.
Abstract: The impact of a proposed pier on tidal current
alteration was evaluated. The proposed pier location was in Salad
Bay on Koa Kood Island, Trat province, Thailand, and was designed
to accommodate passenger ships with a draft of less than 2 m. The
study began with collecting necessary data, including bathymetric,
water elevation and tidal current characteristics. The impact was
assessed using a software package (MIKE21). Although the results
showed that the pier would affect the existing current pattern, the
change was determined to be insignificant, as the design of the piles
for the pier provided sufficient spacing to let the current flow as
freely as possible. Consequences of the altered current, such as
seabed erosion, water stagnation, sediment deposition and
navigational risk were assessed. Environmental mitigation measures
might be necessary if the impacts were considered unacceptable.
Abstract: This paper describes the development of a WLAN
propagation model, using Spectral Analyzer measurements. The
signal is generated by two Access Points (APs) on the base floor at
the administrative Communication School of ESPOL building. In
general, users do not have a Q&S reference about a wireless network;
however, this depends on the level signal as a function of frequency,
distance and other path conditions between receiver and transmitter.
Then, power density of the signal decrease as it propagates through
space and data transfer rate is affected. This document evaluates and
implements empirical mathematical formulation for the
characterization of WLAN radio wave propagation on two aisles of
the building base floor.
Abstract: The purposes of this study are 1) to study the over 20-year attempt of Mahakan fort community to negotiate with Bangkok Metropolitan Administration (BMA) to remain in their residential area belonging to the state, and 2) to apply the new social and cultural dimension between the state and the community as an alternative for local participation in keeping their residential area. This is a qualitative research, and the findings reveal that the community claimed their ancestors’ right as owners of this piece of land for over 200 years. The community, therefore, requested to take part in the preservation of land, culture and local intellect and the area management in terms of being a learning resource on the cultural road in Rattanakosin Island. However, BMA imposed the law concerning the community area relocation in Rattanakosin Island. The result of law enforcement led to the failure of the area relocation, and the hard hit on physical structure of the area including the overall deterioration of the cultural road renovated in the year 1982, the 200 years’ celebration of Bangkok. The enforcement of law by the state required the move of the community, and the landscape improvement based on the capital city plan. However, this enforcement resulted in the unending conflicts between the community and the state, and the solution of this problem was unclear. At the same time the community has spent a long time opposing the state’s action, and preparing themselves by administrating the community behind Mahakan fortress with community administrative committee under the suggestion of external organization by registering all community members, providing funds for community administration. At the meantime the state lacked the continuation of the enforcement due to political problem and BMA’s administration problem. It is, therefore, suggested that an alternative solution to this problem lie at the negotiation between the state and the community with the purpose of the collaboration between the two to develop the area under the protective law of each side.
Abstract: Current trends in manufacturing are characterized by
production broadening, innovation cycle shortening, and the products
having a new shape, material and functions. The production strategy
focused on time needed change from the traditional functional
production structure to flexible manufacturing cells and lines.
Production by automated manufacturing system (AMS) is one of the
most important manufacturing philosophies in the last years. The
main goals of the project we are involved in lies on building a
laboratory in which will be located a flexible manufacturing system
consisting of at least two production machines with NC control
(milling machines, lathe). These machines will be linked to a
transport system and they will be served by industrial robots. Within
this flexible manufacturing system a station for the quality control
consisting of a camera system and rack warehouse will be also
located. The design, analysis and improvement of this manufacturing
system, specially with a special focus on the communication among
devices constitute the main aims of this paper. The key determining
factors for the manufacturing system design are: the product, the
production volume, the used machines, the disposable manpower, the
disposable infrastructure and the legislative frame for the specific
cases.
Abstract: This paper reviews recent studies and particularly the
effects of Climate Change in the North Tropical Atlantic by studying
atmospheric conditions that prevailed in 2005 ; Coral Bleaching
HotSpot and Hurricane Katrina. In the aim to better understand and
estimate the impact of the physical phenomenon, i.e. Thermal
Oceanic HotSpot (TOHS), isotopic studies of δ18O and δ13C on
marine animals from Guadeloupe (French Caribbean Island) were
carried out. Recorded measures show Sea Surface Temperature (SST)
up to 35°C in August which is much higher than data recorded by
NOAA satellites 32°C. After having reviewed the process that led to
the creation of Hurricane Katrina which hit New Orleans in August
29, 2005, it will be shown that the climatic conditions in the
Caribbean from August to October 2005 have influenced Katrina
evolution. This TOHS is a combined effect of various phenomenon
which represent an additional factor to estimate future climate
changes.