Abstract: Financial inclusion has become a crucially important
factor in debates on economic inequality posing challenges to the
financial systems of countries around the world. Nowadays
governments and banks are concerned about creating products that
allow access to wide sectors of the population. The creation of
banking products by the financial sector for people with low incomes
tends to lead to improvements in the quality of life of vulnerable parts
of the population. In countries with notable social and economic
inequalities, financial inclusion is a key aspect for equitable
economic growth. This study is based on the case of Colombia, which is a country
with a strong record of economic growth over the past decade.
Nevertheless, corruption, unemployment, and poverty contribute to
uncertainty regarding the country’s future growth prospects. This study wants to explain the situation of financial exclusion and
financial inclusion with respect to the Colombian case. Financial
inclusion is going to be studied from the perspective of social
innovation.
Abstract: This paper describes a subarray based low
computational design method of multiuser massive multiple
input multiple output (MIMO) system. In our previous works, use of
large array is assumed only in transmitter, but this study considers
the case both of transmitter and receiver sides are equipped with
large array antennas. For this aim, receive arrays are also divided
into several subarrays, and the former proposed method is modified
for the synthesis of a large array from subarrays in both ends.
Through computer simulations, it is verified that the performance
of the proposed method is degraded compared with the original
approach, but it can achieve the improvement in the aspect of
complexity, namely, significant reduction of the computational load
to the practical level.
Abstract: Evaluation of the excavation-induced ground
movements is an important design aspect of support systems in urban
areas. Geological and geotechnical conditions of an excavation area
have significant effects on excavation-induced ground movements and
the related damage. This paper is aimed at studying the performance of
excavation walls supported by nails in jointed rock medium. The
performance of nailed walls is investigated based on evaluating the
excavation-induced ground movements. For this purpose, a set of
calibrated 2D finite element models are developed by taking into
account the nail-rock-structure interactions, the anisotropic properties
of jointed rock, and the staged construction process. The results of this
paper highlight effects of different parameters such as joint
inclinations, anisotropy of rocks and nail inclinations on deformation
parameters of excavation wall supported by nails.
Abstract: Asphalt concrete pavements have a short life cycle,
failing mainly due to temperature changes, traffic loading and ageing.
Modified asphalt mixtures provide the technology to produce a
bituminous binder with improved viscoelastic properties, which
remain in balance over a wider temperature range and loading
conditions. In this research, 60/70 penetration grade asphalt binder
was modified by adding 2, 4, 6, 8 and 10 percent by weight of asphalt
binder following the wet process and the mineral aggregate was
modified by adding 1, 2, 3, 4 and 5 percent crumb rubber by volume
of the mineral aggregate following the dry process. The LDPE
modified asphalt binder rheological properties were evaluated. The
laboratory results showed an increase in viscosity, softening point
and stiffness of the binder. The modified asphalt was then used in
preparing asphalt mixtures by Marshall Mix design procedure. The
Marshall Stability values for mixes containing 2% crumb rubber and
4% LDPE were found to be 30% higher than the conventional asphalt
concrete mix.
Abstract: Operation enhancement in an air cooler depends on
rate of heat transfer, and pressure drop. In this paper for a given heat
duty, study of the effects of FPI (Fin Per Inch) and fin type (circular
and hexagonal fins) on heat transfer, and pressure drop in an air
cooler in Iran, Arvand petrochemical. A program in EES
(Engineering Equations Solver) software moreover, Aspen B-JAC
and HTFS+ softwares are used for this purpose to solve governing
equations. At first the simulated results obtained from this program is
compared to the experimental data for two cases of FPI. The effects
of FPI from 3 to 15 over heat transfer (Q) to pressure drop ratio
(Q/Δp ratio). This ratio is one of the main parameters in design, and
simulation heat exchangers. The results show that heat transfer (Q)
and pressure drop increase with increasing FPI steadily, and the Q/Δp
ratio increases to FPI=12 and then decreased gradually to FPI=15,
and Q/Δp ratio is maximum at FPI=12. The FPI value selection
between 8 and 12 obtained as a result to optimum heat transfer to
pressure drop ratio. Also by contrast, between circular and hexagonal
fins results, the Q/Δp ratio of hexagonal fins more than Q/Δp ratio of
circular fins for FPI between 8 and 12 (optimum FPI)
Abstract: Urban areas, as they have been developed and operate
today, are areas of accumulation of a significant amount of people
and a large number of activities that generate desires and reasons for
traveling. The territorial expansion of the cities as well as the need to
preserve the importance of the central city areas lead to the
continuous increase of transportation needs which in the limited
urban space results in creating serious traffic and operational
problems. The modern perception of urban planning is directed towards more
holistic approaches and integrated policies that make it economically
competitive, socially just and more environmentally friendly. Over
the last 25 years, the goal of sustainable transport development has
been central to the agenda of any plan or policy for the city. The
modern planning of urban space takes into account the economic and
social aspects of the city and the importance of the environment to
sustainable urban development. In this context, the European Union
promotes direct or indirect related interventions according to the
cohesion and environmental policies; many countries even had the
chance to actually test them. This paper explores the methods and processes that have been
developed towards this direction and presents a review and
systematic presentation of this work. The ultimate purpose of this
research is to effectively use this review to create a decision making
methodological framework which can be the basis of a useful
operational tool for sustainable urban planning.
Abstract: This paper discusses micrometeorological aspects of the urban climate in three cities in Western São Paulo State: Presidente Prudente, Assis and Iepê. Particular attention is paid to the method used to estimate the components of the energy balance at the surface. Estimates of convective fluxes showed that the Bowen ratio was an indicator of the local climate and that its magnitude varied between 0.3 and 0.7. Maximum values for the Bowen ratio occurred earlier in Iepê (11:00 am) than in Presidente Prudente (4:00 pm). The results indicate that the Bowen ratio is modulated by the radiation balance at the surface and by different clusters of vegetation.
Abstract: This study was undertaken at four different sites
(north polluted, south polluted, south healthy and north healthy) in
Tehran, in order to examine whether there was a relationship between
publicly available air quality data and the public’s perception of air
quality and to suggest some guidelines for reducing air pollution. A
total of 200 people were accidentally filled out the research
questionnaires at mentioned sites and air quality data were obtained
simultaneously from the Air Quality Control Department. Data was
analyzed in Excel and SPSS software’s. Clean air and job security
were of great importance to people comparing to other pleasant
aspect of life. Also air pollution and serious diseases were the most
important of people concerns. Street monitors and news paper
services on air quality were little used by the public as a means of
obtaining information on air pollution. Using public transportation
and avoiding inevitable journeys are the most important ways for
reducing air pollution. The results reveal that the public’s perception
of air quality is not a reliable indicator of the actual levels of air
pollution.
Abstract: Second generation military Filipino Amerasians
comprise a formidable contemporary segment of the estimated
250,000-plus biracial Amerasians in the Philippines today. Overall,
they are a stigmatized and socioeconomically marginalized diaspora;
historically, they were abandoned or estranged by U.S. military
personnel fathers assigned during the century-long Colonial, Post-
World War II and Cold War Era of permanent military basing (1898-
1992). Indeed, U.S. military personnel are assigned in smaller
numbers in the Philippines today. This inquiry is an outgrowth of two
recent small sample studies. The first surfaced the impact of the U.S.
military prostitution system on formation of the ‘Derivative
Amerasian Family Construct’ on first generation Amerasians; a
second, qualitative case study suggested the continued effect of the
prostitution systems' destructive impetuous on second generation
Amerasians. The intent of this current qualitative, multiple-case study
was to actively seek out second generation sex industry toilers. The
purpose was to focus further on this human phenomenon in the postbasing
and post-military prostitution system eras. As background, the
former military prostitution apparatus has transformed into a modern
dynamic of rampant sex tourism and prostitution nationwide. This is
characterized by hotel and resorts offering unrestricted carnal access,
urban and provincial brothels (casas), discos, bars and pickup clubs,
massage parlors, local barrio karaoke bars and street prostitution. A
small case study sample (N = 4) of female and male second
generation Amerasians were selected. Sample formation employed a
non-probability ‘snowball’ technique drawing respondents from the
notorious Angeles, Metro Manila, Olongapo City ‘AMO Amerasian
Triangle’ where most former U.S. military installations were sited
and modern sex tourism thrives. A six-month study and analysis of
in-depth interviews of female and male sex laborers, their families
and peers revealed a litany of disturbing, and troublesome
experiences. Results showed profiles of debilitating human poverty,
history of family disorganization, stigmatization, social
marginalization and the ghost of the military prostitution system and
its harmful legacy on Amerasian family units. Emerging were testimonials of wayward young people ensnared in a maelstrom of
deep economic deprivation, familial dysfunction, psychological
desperation and societal indifference. The paper recommends that
more study is needed and implications of unstudied psychosocial and
socioeconomic experiences of distressed younger generations of
military Amerasians require specific research. Heretofore apathetic or
disengaged U.S. institutions need to confront the issue and formulate
activist and solution-oriented social welfare, human services and
immigration easement policies and alternatives. These institutions
specifically include academic and social science research agencies,
corporate foundations, the U.S. Congress, and Departments of State,
Defense and Health and Human Services, and Homeland Security
(i.e. Citizen and Immigration Services) It is them who continue to
endorse a laissez-faire policy of non-involvement over the entire
Filipino Amerasian question. Such apathy, the paper concludes,
relegates this consequential but neglected blood progeny to the status
of humiliating destitution and exploitation. Amerasians; thus, remain
entrapped in their former colonial, and neo-colonial habitat.
Ironically, they are unwitting victims of a U.S. American homeland
that fancies itself geo-politically as a strong and strategic military
treaty ally of the Philippines in the Western Pacific.
Abstract: Networked environments which provide platforms for
business organizations are configured in different forms depending
on many factors including life time, member characteristics,
communication structure, and business objectives, among others.
With continuing advances in digital technologies the distance has
become a less barrier for business minded collaboration among
organizations. With the need and ease to make business collaborate
nowadays organizations are sometimes forced to co-work with others
that are either unknown or less known to them in terms of history and
performance. A promising approach for sustaining established
collaboration has been establishment of trust relationship among
organizations based on assessed trustworthiness for each participating
organization. It has been stated in research that trust in organization is
dynamic and thus assessment of trust level must address such
dynamic nature. This paper assesses relevant aspects of trust and
applies the assessed concepts to propose a semi-automated system for
the management of Sustainability and Evolution of trust in
organizations participating in specific objective in a networked
organizations environment.
Abstract: Salinity is one of the major factors limiting crop
production in an arid environment. Despite its global importance
soybean production suffer the problems of salinity stress causing
damages at plant development. So it is implacable to either search for
salinity enhancement of soybean plants. Therefore, in the current
study we try to clarify the mechanism that might be involved in the
ameliorating effects of osmo-protectants such as proline and glycine
betaine as well as, compost application on soybean plants grown
under salinity stress. The experiment was conducted under
greenhouse conditions at the Graduate School of Biosphere Science
Laboratory of Hiroshima University, Japan in 2011. The experiment
was designed as a spilt-split plot based on randomized complete
block design with four replications. The treatments could be
summarized as follows; (i) salinity concentrations (0 and 15 mM), (ii)
compost treatments (0 and 24 t ha-1) and (iii) the exogenous, proline
and glycine betaine concentrations (0 mM and 25 mM) for each.
Results indicated that salinity stress induced reduction in growth and
physiological aspects (dry weight per plant, chlorophyll content, N
and K+ content) of soybean plant compared with those of the
unstressed plants. On the other hand, salinity stress led to increases in
the electrolyte leakage ratio, Na and proline contents. Special
attention was paid to, the tolerance against salt stress was observed,
the improvement of salt tolerance resulted from proline, glycine
betaine and compost were accompanied with improved K+, and
proline accumulation. While, significantly decreased electrolyte
leakage ratio and Na+ content. These results clearly demonstrate that
harmful effect of salinity could reduce on growth aspects of soybean.
Consequently, exogenous osmoprotectants combine with compost
will effectively solve seasonal salinity stress problem and are a good
strategy to increase salinity resistance of soybean in the drylands.
Abstract: Measuring the Electrocardiogram (ECG) signal is an
essential process for the diagnosis of the heart diseases. The ECG
signal has the information of the degree of how much the heart
performs its functions. In medical diagnosis and treatment systems,
Decision Support Systems processing the ECG signal are being
developed for the use of clinicians while medical examination. In this
study, a modular wireless ECG (WECG) measuring and recording
system using a single board computer and e-Health sensor platform
is developed. In this designed modular system, after the ECG signal
is taken from the body surface by the electrodes first, it is filtered and
converted to digital form. Then, it is recorded to the health database
using Wi-Fi communication technology. The real time access of the
ECG data is provided through the internet utilizing the developed
web interface.
Abstract: The availability to deploy mobile applications for
health care is increasing daily thru different mobile app stores. But
within these capabilities the number of hacking attacks has also
increased, in particular into medical mobile applications. The security
vulnerabilities in medical mobile apps can be triggered by errors in
code, incorrect logic, poor design, among other parameters. This is
usually used by malicious attackers to steal or modify the users’
information. The aim of this research is to analyze the vulnerabilities
detected in mobile medical apps according to risk factor standards
defined by OWASP in 2014.
Abstract: Sweden has succeeded to maintain a high level of
growth and development and has managed to sustain highly ranked
position among the world’s developed countries. In this regard,
Swedish universities are playing a vital role in supporting innovation
and entrepreneurship at all levels and developing Swedish knowledge
economy. This paper is aiming to draw on the experiences of two leading
Swedish universities, addressing their transformation approach to
create entrepreneurial universities and fulfilling their objectives in the
era of knowledge economy. The objectives of the paper include: 1) Introducing the Swedish
higher education and its characteristics. 2) Examining the
infrastructure elements for innovation and Entrepreneurship at two of
the Swedish entrepreneurial universities. 3) Addressing the key
aspects of support systems in the initiatives of both Chalmers and
Gothenburg universities to support innovation and advance
entrepreneurial practices. The paper will contribute to two discourses: 1) Examining the
relationship between support systems for innovation and
entrepreneurship and the Universities’ policies and practices. 2)
Lessons for University leaders to assist the development and
implementation of effective innovation and entrepreneurship policies
and practices.
Abstract: This study aims to increase understanding of the
transition of business models in servitization. The significance of
service in all business has increased dramatically during the past
decades. Service-dominant logic (SDL) describes this change in the
economy and questions the goods-dominant logic on which business
has primarily been based in the past. A business model canvas is one
of the most cited and used tools in defining end developing business
models. The starting point of this paper lies in the notion that the
traditional business model canvas is inherently goods-oriented and
best suits for product-based business. However, the basic differences
between goods and services necessitate changes in business model
representations when proceeding in servitization. Therefore, new
knowledge is needed on how the conception of business model and
the business model canvas as its representation should be altered in
servitized firms in order to better serve business developers and interfirm
co-creation. That is to say, compared to products, services are
intangible and they are co-produced between the supplier and the
customer. Value is always co-created in interaction between a
supplier and a customer, and customer experience primarily depends
on how well the interaction succeeds between the actors. The role of
service experience is even stronger in service business compared to
product business, as services are co-produced with the customer. This paper provides business model developers with a service
business model canvas, which takes into account the intangible,
interactive, and relational nature of service. The study employs a
design science approach that contributes to theory development via
design artifacts. This study utilizes qualitative data gathered in
workshops with ten companies from various industries. In particular,
key differences between Goods-dominant logic (GDL) and SDLbased
business models are identified when an industrial firm
proceeds in servitization. As the result of the study, an updated version of the business
model canvas is provided based on service-dominant logic. The
service business model canvas ensures a stronger customer focus and
includes aspects salient for services, such as interaction between
companies, service co-production, and customer experience. It can be
used for the analysis and development of a current service business
model of a company or for designing a new business model. It
facilitates customer-focused new service design and service
development. It aids in the identification of development needs, and
facilitates the creation of a common view of the business model.
Therefore, the service business model canvas can be regarded as a
boundary object, which facilitates the creation of a common
understanding of the business model between several actors involved.
The study contributes to the business model and service business
development disciplines by providing a managerial tool for
practitioners in service development. It also provides research insight
into how servitization challenges companies’ business models.
Abstract: The influence of cultivation factors such as content of ammonium sulfate, glucose and water in the culture medium and particle size of dry orange waste, on their bioconversion for pectinase production was studied using complete factorial design. A polygalacturonase (PG) was isolated using ion exchange chromatography under gradient elution 0-0,5 m/l NaCl (column equilibrate with acetate buffer pH 4,5), subsequently by sephadex G75 column chromatography was applied and the molecular weight was obtained about 51,28 KDa. Purified PG enzyme exhibits a pH and temperature optima of activity at 5 and 35°C respectively. Treatment of apple juice by purified enzyme extract yielded a clear juice, which was competitive with juice yielded by pure Sigma Aldrich Aspergillus niger enzyme.
Abstract: Objective: Sharing devastating news with patients is
often considered the most difficult task of doctors. This study aimed
to explore patients’ perceptions of receiving bad news including
which features improve the experience and which areas need refining. Methods: A questionnaire was written based on the steps of the
SPIKES model for breaking bad new. 20 patients receiving treatment
for a hematological malignancy completed the questionnaire. Results: Overall, the results are promising as most patients praised
their consultation. ‘Poor’ was more commonly rated by women and
participants aged 45-64. The main differences between the ‘excellent’
and ‘poor’ consultations include the doctor’s sensitivity and checking
the patients’ understanding. Only 35% of patients were asked their
existing knowledge and 85% of consultations failed to discuss the
impact of the diagnosis on daily life. Conclusion: This study agreed with the consensus of existing
literature. The commended aspects include consultation set-up and
information given. Areas patients felt needed improvement include
doctors determining the patient’s existing knowledge and checking
new information has been understood. Doctors should also explore
how the diagnosis will affect the patient’s life. With a poorer
prognosis, doctors should work on conveying appropriate hope. The
study was limited by a small sample size and potential recall bias.
Abstract: A new design of aerostatic thrust bearing is proposed
for high static stiffness. The bearing body, which is mead of polymer
covered with metallic membrane, is held by a circular ring. Such a
support helps form a concave air gap to grasp the air pressure. The
polymer body, which can be made rapidly by either injection or
molding is able to provide extra damping under dynamic loading. The
smooth membrane not only serves as the bearing surface but also
protects the polymer body. The restrictor is a capillary inside a silicone
tube. It can passively compensate the variation of load by expanding
the capillary diameter for more air flux. In the present example, the
stiffness soars from 15.85 N/μm of typical bearing to 349.85 N/μm at
bearing elevation 9.5 μm; meanwhile the load capacity also enhances
from 346.86 N to 704.18 N.
Abstract: This paper treats different aspects of entropy measure
in classical information theory and statistical quantum mechanics, it
presents the possibility of extending the definition of Von Neumann
entropy to image and array processing. In the first part, we generalize
the quantum entropy using singular values of arbitrary rectangular
matrices to measure the randomness and the quality of denoising
operation, this new definition of entropy can be implemented to
compare the performance analysis of filtering methods. In the second
part, we apply the concept of pure state in quantum formalism
to generalize the maximum entropy method for narrowband and
farfield source localization problem. Several computer simulation
results are illustrated to demonstrate the effectiveness of the proposed
techniques.
Abstract: By enhancing the applicatıon of grounds for
establishment and due to the lack of appropriate sites, engineers
attempt to seek out a new method to reduce the weakness of soils. İn
aspect of economic situation, various ways have been used to
decrease the weak grounds. Because of the rapid development of
infrastructural facilities, spreading the construction operation is an
obligation. Furthermore, in various sites with the really bad soil
situation, engineers have considered obvious problems. One of the
most essential ways for developing the weak soils is stone column.
Obviously, the method was introduced in France in 1830 to improve
a native soil initially. Stone columns have an expanding range of
usage in different rough foundation sites all over the world to
increase the bearing capacity, to reduce the whole and differential
settlements, to enhance the rate of consolidation, to stabilize slopes
stability of embankments and to increase the liquefaction resistance
as well. A recent procedure called installing vertical nails along the
round stone columns in order to make better the performance of
considered columns is offered. Moreover, thanks to the enhancing the
nail diameter, number and embedment nail depth, the positive points
of vertical circumferential nails increases. Based on the result of this
study, load caring capacity will be develop with enhancing the length
and the power of reinforcements in vertical encasement stone column
(CESC). In this study, the main purpose is comparing two methods of
stone columns (installed a nail surrounding the stone columns and
using geogrid on clay) for enhancing the bearing capacity, decreasing
the whole and various settlements.