Analysis of Supply Side Factors Affecting Bank Financing of Non-Oil Exports in Nigeria

The banking sector poses a lot of problems in Nigeria in general and the non-oil export sector in particular. The banks' lack effectiveness in handling small, medium or long-term credit risk (lack of training of loan officers, lack of information on borrowers and absence of a reliable credit registry) results in non-oil exporters being burdened with high requirements, such as up to three years of financial statements, enough collateral to cover both the loan principal and interest (including a cash deposit that may be up to 30% of the loans' net present value), and to provide every detail of the international trade transaction in question. The stated problems triggered this research. Consequently, information on bank financing of non-oil exports was collected from 100 respondents from the 20 Deposit Money Banks (DMBs) in Nigeria. The data was analysed by the use of descriptive statistics correlation and regression. It is found that, Nigerian banks are participants in the financing of non-oil exports. Despite their participation, the rate of interest for credit extended to non-oil export is usually high, ranging between 15-20%. Small and medium sized non-oil export businesses lack the credit history for banks to judge them as reputable. Banks also consider the non-oil export sector very risky for investment. The banks actually do grant less credit than the exporters may require and therefore are not properly funded by banks. Banks grant very low volume of foreign currency loan in addition to, unfavorable exchange rate at which Naira is exchanged to the Dollar and other currencies in the country. This makes importation of inputs costly and negatively impacted on the non-oil export performance in Nigeria.

Parametric Analysis on Information Technology Adoption and Organizational Efficiency in Northern Nigeria

The adoption and diffusion of Information Technology (IT) is one of the fastest growing trends in organizations operating within Nigeria’s economy. Public and private organizations make huge capital investments in an attempt acquire and adopt the state-of-the-art IT for improving operational efficiency. In this study the level of IT adoption is considered the primary driver of efficiency witnessed by organizations. The research gathered data on the intensity of IT usage, and resultant efficiency increase in the organizations’ operations. The data was analyzed using multiple regression analysis and reveals that high level of IT usage has enhance efficiency of private and public organizations in Northern part of Nigeria with organizations having strategic intent on IT adoption indicating higher efficiency gains.

The Effect of Micro Tools Fabricated Dent on Alumina/Alumina Oxide Interface

The tribological outcomes of micro dent are found to be outstanding in many engineering and natural surfaces. Ceramic (Al2O3) is considered one of the most potential material to bearing surfaces particularly, artificial hip or knee implant. A well-defined micro dent on alumina oxide interface could further decrease friction and wear rate, thus increase their stability and durability. In this study we fabricated circular micro dent surface profiles (Dia: 400µm, Depth 20µm, P: 1.5mm; Dia: 400µm, Depth 20µm, P: 2mm) on pure Al2O3 (99.6%) substrate by using a micro tool machines. A preliminary tribological experiment was carried out to compare friction coefficient of these fabricated dent surfaces with that of non-textured surfaces. The experiment was carried on well know pin-on-disk specimens while other experimental parameters such as hertz pressure, speed, lubrication, and temperature were maintained to standard of simulated hip joints condition. The experiment results revealed that micro dent surface texture reduced 15%, 8% and 4% friction coefficient under 0.132,0.162, 0.187 GPa contact pressure respectively. Since this is a preliminary tribological study, we will pursue further experiments considering higher ranges of dent profiles and longer run experiments. However, the preliminary results confirmed the suitability of fabricating dent profile to ceramic surfaces by using micro tooling, and also their improved tribological performance in simulated hip joints.

Analog Front End Low Noise Amplifier in 0.18-µm CMOS for Ultrasound Imaging Applications

We present the design of Analog front end (AFE) low noise pre-amplifier implemented in a high voltage 0.18-µm CMOS technology for  a three dimensional ultrasound  bio microscope (3D UBM) application. The fabricated chip has 4X16 pre-amplifiers implemented to interface   a 2-D array of    high frequency capacitive micro-machined ultrasound transducers (CMUT). Core AFE cell consists of a high-voltage pulser in the transmit path, and a low-noise transimpedance amplifier in the receive path. Proposed system offers a high image resolution by the use of high frequency CMUTs with associated high performance imaging electronics integrated together.  Performance requirements and the design methods of the high bandwidth transimpedance amplifier are described in the paper. A single cell of transimpedance (TIA) amplifier and the bias circuit occupies a silicon area of 250X380 µm2 and the full chip occupies a total silicon area of 10x6.8 mm².

Novel Process Formulation of Multiple Unit Tablet of Pantoprazole

The present invention relates to multiple-unit tablet dosage forms, which is composed of several subunits (multiparticulates/pellets). Each small multiparticulate further composed of many layers. Some layer contains drug substance; others are rate controlling polymer. The resulting multiple-unit tablet dosage forms of pantoprazole were satisfactory fabricated. Pelletization technique has some advantages over coated tablet formulation. In coated tablet the coating may be damaged and a pinhole possibly formed that would result in increased release of drug in stomach and may be deactivated in stomach juices. If the coat of some pellets may be damaged that would not affect the release properties of the multiple-unit tablet. Hence they are beneficial in this aspect. The results confirmed the successful preparation of stable and bioequivalent once daily controlled release multiple-unit tablets of pantoprazole.

Contribution of Root Respiration to Soil Respiration in Sugarcane Plantation in Thailand

The understanding on the contribution of root respiration to total soil respiration is still very limited, especially for sugarcane. In this study, trenching experiments in sugarcane plantations were conducted to separate and investigate soil respiration for this crop. The measurements were performed for the whole growing period of 344 days to quantify root respiration. The obtained monitoring data showed that the respiration rate is increasing with the age of the plant, accounting for up to 29% of the total soil respiration before harvesting. The root to soil respiration ratio increased rapidly during the young seedling stage, i.e. first five months, then declined and finally got stabilized during yield formation and ripening stages, respectively. In addition, the results from the measurements confirmed that soil respiration was positively correlated with soil moisture content.

Oxide Based Resistive Random Access Memory Device for High Density Non Volatile Memory Applications

In this work, we demonstrated vertical RRAM device fabricated at the sidewall of contact hole structures for possible future 3-D stacking integrations. The fabricated devices exhibit polarity dependent bipolar resistive switching with small operation voltage of less than 1V for both set and reset process. A good retention of memory window ~50 times is maintained after 1000s voltage bias.

Estimation of Carbon Released From Dry Dipterocarp Forest Fire in Thailand

This study focused on the estimation of carbon released to the atmosphere from dry dipterocarp forest (DDF) fires in Thailand. Laboratory experiments were conducted using a cone calorimeter to simulate the DDF fires. The leaf litter collected from DDF in western Thailand was used as biomass fuel. Three different masses of leaf litter were employed, 7g, 10g and 13g, to estimate the carbon released from this type of vegetation fire to the atmosphere. The chemical analysis of the leaf litter showed that the carbon content in the experimental biomass fuel was 46.0±0.1%. From the experiments, it was found that more than 95% of the carbon input was converted to carbon released to the atmosphere, while less than 5% were left in the form of residues, and returned to soil. From the study, the carbon released amounted 440.213±2.243 g/kgdry biomass, and the carbon retained in the residues was 19.786±2.243 g/kgdry biomass. The quantity of biomass fuel consumed to produce 1 g of carbon released was 2.27±0.01gkgdry biomass. Using these experimental data of carbon produced by the DDF fires, it was estimated that this type of fires in 2009 contributed to 4.659 tonnes of carbon released to the atmosphere, and 0.229 tonnes of carbon in the residues to be returned to soil in Thailand.

(R, S)-Modules and (1, k)-Jointly Prime (R, S)-Submodules

We introduced the notions of (1, k)-prime ideal and (1, k)-jointly prime (R, S)-submodule as a generalization of prime ideal and jointly prime (R, S)-submodule, respectively. We provide a relationship between (1, k)-prime ideal and (1, k)-jointly prime (R, S)-submodule. Characterizations of (1, k)-jointly prime (R, S)- submodules are also given.

Study of Incineration of Acacia Wood Chips for Biomass Power Plant of the Royal Thai Navy in Sattahip, Chonburi Province, Thailand

This research is aimed to find optimal values of parameters of acacia wood chips combustion in a bubbling fluidized bed for electrification within the area of the Royal Thai Navy in Sattahip, Chonburi province, Thailand. The size of wood chips falls in the range of 25 mm in diameter. The bed temperature is set within the range of 800±10 oC with the air flow rate of 2.1-3.1 m/min corresponding to the air-fuel ratio between 0.71 to 1.03. The resulting thermal efficiency is approximately 95% with a thermal output of 474.76 kWth, which produced the electricity 0.131 kW-hr.

Efficacy and Stability of Ceramic Powder to Inactivate Avian Influenza Virus

This experiment aims to demonstrate the efficacy of ceramic powder derived from various sources to inactivate avian influenza virus and its possibility to use in the environment. The ceramics used in the present experiment were derived from chicken feces (CF), scallop shell (SS), polyvinyl chloride (PVC) and soybean (SB). All ceramics were mixed with low pathogenic AIV (LPAIV) H7N1, and then kept at room temperature. The recovered virus was titrated onto Madin-Darby canine kidney (MDCK) cells. All ceramics were assessed the inactivation stability in the environment by keeping under sunlight and under wet-dry condition until reached 7 week or 7 resuspension times respectively. The results indicate that all ceramics have excellent efficacy to inactivate LPAIV. This efficacy can be maintained under the simulated condition. The ceramics are expected to be the good materials for application in the biosecurity system at farms.

ARCS for Critical Information Retrieval Development

The research on ARCS for critical information retrieval development aimed to (1) investigate conditions of critical information retrieval skill of the Mathematics pre-service teachers before applying ARCS model in learning activities, (2) study and analyze the development of critical information retrieval skill of the Mathematics pre-service teachers after utilizing ARCS model in learning activities, and (3) evaluate the Mathematics pre-service teachers’ satisfaction on using ARCS model in learning activities as a tool to development critical information retrieval skill. Forty-one of 4th year Mathematics pre-service teachers who have enrolled in the subject of Research for Learning Development of semester 2 in 2012 were purposively selected as the research cohort. The research tools were self-report and interview questionnaire that was approved as content validity and reliability (IOC=.66-1.00, α =.834). The research found that critical information retrieval skill of the research samples before using ARCS model in learning activities was in the normal high level. According to the in-depth interview and focus group, the result however showed that the pre-service teachers still lack inadequate and effective knowledge in information retrieval. Additionally, critical information retrieval skill of the research cohort after applying ARCS model in learning activities appeared to be high level. The result revealed that the pre-service teachers are able to explain the method of searching, extraction, and selecting information as well as evaluating quality of information, and effectively making decision in accepting information. Moreover, the research discovered that the pre-service teachers showed normal high to highest level of satisfaction on using ARCS model in learning activities as a tool to development their critical information retrieval skill.

CMOS-Compatible Deposited Materials for Photonic Layers Integrated above Electronic Integrated Circuit

Silicon photonics has generated an increasing interest in recent years mainly for optical communications optical interconnects in microelectronic circuits or bio-sensing applications. The development of elementary passive and active components (including detectors and modulators), which are mainly fabricated on the silicon on insulator platform for CMOS-compatible fabrication, has reached such a performance level that the integration challenge of silicon photonics with microelectronic circuits should be addressed. Since crystalline silicon can only be grown from another silicon crystal, making it impossible to deposit in this state, the optical devices are typically limited to a single layer. An alternative approach is to integrate a photonic layer above the CMOS chip using back-end CMOS fabrication process. In this paper, various materials, including silicon nitride, amorphous silicon, and polycrystalline silicon, for this purpose are addressed.

CMOS-Compatible Plasmonic Nanocircuits for On-Chip Integration

Silicon photonics is merging as a unified platform for driving photonic based telecommunications and for local photonic based interconnect but it suffers from large footprint as compared with the nanoelectronics. Plasmonics is an attractive alternative for nanophotonics. In this work, two CMOS compatible plasmonic waveguide platforms are compared. One is the horizontal metal-insulator-Si-insulator-metal nanoplasmonic waveguide and the other is metal-insulator-Si hybrid plasmonic waveguide. Various passive and active photonic devices have been experimentally demonstrated based on these two plasmonic waveguide platforms.

14-Bit 1MS/s Cyclic-Pipelined ADC

This paper presents a 14-bit cyclic-pipelined Analog to digital converter (ADC) running at 1 MS/s. The architecture is based on a 1.5-bit per stage structure utilizing digital correction for each stage. The ADC consists of two 1.5-bit stages, one shift register delay line, and digital error correction logic. Inside each 1.5-bit stage, there is one gain-boosting op-amp and two comparators. The ADC was implemented in 0.18µm CMOS process and the design has an area of approximately 0.2 mm2. The ADC has a differential input range of 1.2 Vpp. The circuit has an average power consumption of 3.5mA with 10MHz sampling clocks. The post-layout simulations of the design satisfy 12-bit SNDR with a full-scale sinusoid input.

Nile Red, an Alternative Fluorescence Method for Quantification of Neutral Lipids in Microalgae

According to biodiesel from microalgae is an attractive fuel for several reasons such as renewable, biodegradable and environmental friendly. Thus, this study, green microalgae Scenedesmus acutus PPNK1 isolated from natural water, was selected based on high growth rates, easy cultivation and high lipid content. The Nile red fluorescence method has been successfully applied to the determination of lipids in S. acutus PPNK1. The combination of the method to the lipid composition in algal cells showed the yellow fluorescence under fluorescent microscope. Interestingly, maximum cell numbers and biomass concentration were obtained at 5.44´107 cells/mL and 1.60 g/L when it was cultivated in BG-11 medium while in case of BG-11 with nitrogen deprivation (N 0.25 g/L), accumulated lipid content in cells (44.67%) was achieved that was higher than that found in case of BG-11 medium at about 2 times (22.63%).

Effect of Formulation Compositions on Particle Size and Zeta Potential of Diclofenac Sodium-Loaded Chitosan Nanoparticles

This study was conducted to formulate diclofenac sodium-loaded chitosan nanoparticles and to study the effect of formulation compositions on particle size and zeta potential of chitosan nanoparticles (CSN) containing diclofenac sodium (DC) prepared by ionotropic gelation method. It was found that the formulations containing chitosan, DC and tripolyphosphate (TPP) at a weight ratio of 4:1:1, respectively, with various pH provided various systems. At pH 5.0 and 6.0, the obtained systems were turbid because of precipitation of DC and chitosan, respectively. However, the dispersed system of CSN possessing diameter of 108±1 nm and zeta potential of 19±1 mV could be obtained at pH 5.5. These CSN also showed spherical morphology observed via a transmission scanning electron microscope. Change in weight ratio of chitosan:DC:TPP i.e. 1:1:1, 2:1:1, 3:1:1 and 4:1:1 showed that these ratios led to precipitation of particles except for the ratio of 4:1:1 providing CSN properly. The effect of Tween 80 as a stabilizer was also determined. It suggested that increment of Tween 80 concentration to 0.02% w/v could stabilize CSN at least 48 hours. However, increment of Tween 80 to 0.03% w/v led to quick precipitation of particles. The study of effect of TPP suggested that increment of TPP concentration increased particle size but decreased zeta potential. The excess TPP caused precipitation of CSN. Therefore, the optimized CSN was the CSN containing chitosan, DC and TPP at the ratio of 4:1:1and 0.02% w/v Tween 80 prepared at pH 5.5. Their particle size, zeta potential and entrapment efficiency were 128±1 nm, 15±1 mV and 45.8±2.6%, respectively.

TBC for Protection of Al Alloy Aerospace Component

The use of a conventional air plasma-sprayed thermal barrier coating (TBC) and a porous, functionally graded TBC as a thermal insulator for Al7075 alloy was explored. A quench test at 1200°C employing fast heating and cooling rates was setup to represent a dynamic thermal condition of an aerospace component. During the test, coated samples were subjected the ambient temperature of 1200°C for a very short time. This was followed by a rapid drop in temperature resulting in cracking of the coatings. For the conventional TBC, it was found that the temperature of the Al7075 substrate decreases with the increase in the ZrO2 topcoat thickness. However, at the topcoat thickness of 1100 µm, large horizontal cracks can be observed in the topcoat and at the topcoat thickness of 1600 µm, the topcoat delaminate during cooling after the quench test. The porous, functionally graded TBC with 600 µm thick topcoat, on the other hand, was found to be as effective at reducing the substrate temperature as the conventional TBC with 1100 µm thick topcoat. The maximum substrate temperature is about 213°C for the former and 208°C for the latter when a heating rate of 38°C/s was used. When the quench tests were conducted with a faster heating rate of 128°C/s, the Al7075 substrate heat up faster with a reduction in the maximum substrate temperatures. The substrate temperatures dropped from 297 to 212°C for the conventional TBC and from 213 to 155°C for the porous TBC, both with 600 µm thick topcoat. Segmentation cracks were observed in both coating after the quench test.

Knowledge Management Model for Modern Retail Business: A Conceptual Framework

This paper reviewed the relationships between the Knowledge Management (KM) activities and its perceived benefits in the knowledge based organisations. KM activities include: knowledge identification, knowledge acquisition, knowledge application, knowledge sharing, knowledge creation and knowledge preservation. And the perceived benefits of KM are fast customer responsiveness, operation excellence and high innovative intensity.  Based on the above review, a conceptual framework for KM implementation in retail business organisations has been proposed. Finally the paper forwarded some limitations of the framework and based on which, directions for future research had been suggested.

Investigation of Constant Transconductance Circuit for Low Power Low-Noise Amplifier

In this paper, the design of wide-swing constant transconductance (gm) bias circuit that generates bias voltage for low-noise amplifier (LNA) circuit design by using an off-chip resistor is demonstrated. The overall transconductance (Gm) generated by the constant gm bias circuit is important to maintain the overall gain and noise figure of the LNA circuit. Therefore, investigation is performed to study the variation in Gm with process, temperature and supply voltage (PVT).  Temperature and supply voltage are swept from -10 °C to 85 °C and 1.425 V to 1.575 V respectively, while the process conditions are also varied to the extreme and the gm variation is eventually concluded at between -3 % to 7 %. With the slight variation in the gm value, through simulation, at worst condition of state SS, we are able to attain a conversion gain (S21) variation of -3.10 % and a noise figure (NF) variation of 18.71 %. The whole constant gm circuit draws approximately 100 µA from a 1.5V supply and is designed based on 0.13 µm CMOS process.