Balanced Scorecard (BSC) Usage and Financial Performance of Branches in Jordanian Banking Industry

The purpose of this paper is to contribute to the body of knowledge in the area of management accounting, particularly performance measurement systems within the BSC framework, by investigating empirically the extent of multiple performance measures usage and their effects on the financial performance of Jordanian banks in the branches level. Nevertheless, the result of this study shows that the non-financial measures usages, particularly, customer oriented indicators and product/ service oriented indicators, appears to be important as it enhances firm performance. Remarkably, the findings reveal that there is positive relationship between the usages of multiple performance measures via overall BSC measures and financial performance in the branches level.

Rational Structure of Cable Truss

One of the main problems of suspended cable structures is initial shape change under the action of non uniform load. The problem can be solved by increasing of weight of construction or by using of prestressing. But this methods cause increasing of materials consumption of suspended cable structure. The cable truss usage is another way how the problem of shape change under the action of non uniform load can be fixed. The cable trusses with the vertical and inclined suspensions, cross web and single cable were analyzed as the main load-bearing structures of suspension bridge. It was shown, that usage of cable truss allows to reduce the vertical displacements up to 32% in comparison with the single cable in case of non uniformly distributed load. In case of uniformly distributed load single cable is preferable.

Antimicrobial Activity and Phytochemicals Screening of Jojoba (Simmondsia chinensis) Root Extracts and Latex

Plants are rich sources of bioactive compounds. In this study the photochemical screening of hexane, ethanolic and aqueous extracts of roots and latex of jojoba (Simmondsia chinensis) plant revealed the presence of saponins, tannins, alkaloids, steroids and glycosides. Ethanolic extract was found to be richer in these metabolites than hexane, aqueous extracts and latex. The extracts and latex displayed effective antimicrobial activity against Salmonella typhimurium, Bacillus cereus, Clostridium perfringens, Staphylococcus aureus, Escherichia coli, Candida albicans and Aspergillus flavus. The increase in volume of the extracts and latex caused more activity, as shown by zones of inhibition. Candida albicans growth was inhibited only by hexane extract. Jojoba latex was not effective against Candida albicans at 0.1 and 0.5 ml extracts concentration but showed 5mm zone of inhibition at (1.0 ml). Lower volume (0.1ml) of latex encouraged Aspergillus flavus growth, while at (1.00 ml) reduced its mycelial growth. Thus, jojoba root extracts and latex can be of potential natural antimicrobial agents.

Study of Two Writing Schemes for a Magnetic Tunnel Junction Based On Spin Orbit Torque

MRAM technology provides a combination of fast access time, non-volatility, data retention and endurance. While a growing interest is given to two-terminal Magnetic Tunnel Junctions (MTJ) based on Spin-Transfer Torque (STT) switching as the potential candidate for a universal memory, its reliability is dramatically decreased because of the common writing/reading path. Three-terminal MTJ based on Spin-Orbit Torque (SOT) approach revitalizes the hope of an ideal MRAM. It can overcome the reliability barrier encountered in current two-terminal MTJs by separating the reading and the writing path. In this paper, we study two possible writing schemes for the SOT-MTJ device based on recently fabricated samples. While the first is based on precessional switching, the second requires the presence of permanent magnetic field. Based on an accurate Verilog-A model, we simulate the two writing techniques and we highlight advantages and drawbacks of each one. Using the second technique, pioneering logic circuits based on the three-terminal architecture of the SOT-MTJ described in this work are under development with preliminary attractive results.

Carbon Dioxide Recovery by Membrane Assisted Crystallization

This study addresses the effect of impurities on the crystallization of Na2CO3 produced within a strategy for capturing CO2 from flue gases by alkaline absorption. A novel technology - membrane assisted crystallization - is proposed for Na2CO3 crystallization from mother liquors containing impurities. High purity of Na2CO3•10H2O crystals was obtained without impacting the performance of the mass transfer of water vapor through membranes during crystallization.

A Phenomic Algorithm for Reconstruction of Gene Networks

The goal of Gene Expression Analysis is to understand the processes that underlie the regulatory networks and pathways controlling inter-cellular and intra-cellular activities. In recent times microarray datasets are extensively used for this purpose. The scope of such analysis has broadened in recent times towards reconstruction of gene networks and other holistic approaches of Systems Biology. Evolutionary methods are proving to be successful in such problems and a number of such methods have been proposed. However all these methods are based on processing of genotypic information. Towards this end, there is a need to develop evolutionary methods that address phenotypic interactions together with genotypic interactions. We present a novel evolutionary approach, called Phenomic algorithm, wherein the focus is on phenotypic interaction. We use the expression profiles of genes to model the interactions between them at the phenotypic level. We apply this algorithm to the yeast sporulation dataset and show that the algorithm can identify gene networks with relative ease.

Swelling Behavior and Cytotoxicity of Maleic Acid Grafted Chitosan

Chitosan is an attractive polysaccharide obtained by deacetylation of an abundant natural biopolymer called chitin. Chitin and chitosan are excellent materials. To improve the potential of chitin and chitosan modification is needed. In the present study, grafting of maleic acid on to chitosan by cerium ammonium nitrate in acetic acid solution was investigated with use of a microwave and reflux system. The grafted chitosan was characterized by using a Fourier-transform infrared spectrometry. The solubility and swelling behavior of grafted chitosans were determined in acetate buffer (pH 3.6), citrophosphate buffer (pH 5.6 and pH 7.0), and boric buffer (pH 9.2) solutions. The sample obtained by microwave system with use of a chitosan/maleic anhydride/ceric ammonium nitrate 0.2/3.922/0.99 gram of raw material within 30 minute showed the maximum swelling ratio (13.6) in boric buffer solution.

Pro-inflammatory Phenotype of COPD Fibroblasts not Compatible with Repair in COPD Lung

COPD is characterized by loss of elastic fibers from small airways and alveolar walls, with the decrease in elastin increasing with disease severity. It is unclear why there is a lack of repair of elastic fibers. We have examined fibroblasts cultured from lung tissue from normal and COPD subjects to determine if the secretory profile explains lack of tissue repair. In this study, fibroblasts were cultured from lung parenchyma of bronchial carcinoma patients with varying degrees of COPD; controls (non-COPD, n=5), mild COPD (GOLD 1, n=5) and moderate-severe COPD (GOLD 2-3, n=12). Measurements were made of proliferation, senescence-associated beta-galactosidase-1, mRNA expression of IL-6, IL-8, MMP-1, tropoelastin and versican, and protein levels for IL-6, IL-8, PGE2, tropoelastin, insoluble elastin, and versican. It was found that GOLD 2-3 fibroblasts proliferated more slowly (p

Rheological Properties of Polyethylene and Polypropylene Modified Bitumen

This paper presents a part of research on the rheological properties of bitumen modified by thermoplastic namely linear low density polyethylene (LLDPE), high density polyethylene (HDPE) and polypropylene (PP) and its interaction with 80 pen base bitumen. As it is known that the modification of bitumen by the use of polymers enhances its performance characteristics but at the same time significantly alters its rheological properties. The rheological study of polymer modified bitumen (PMB) was made through penetration, ring & ball softening point and viscosity test. The results were then related to the changes in the rheological properties of polymer modified bitumen. It was observed that thermoplastic copolymer shows profound effect on penetration rather than softening point. The viscoelastic behavior of polymer modified bitumen depend on the concentration of polymer, mixing temperature, mixing technique, solvating power of base bitumen and molecular structure of polymer used. PP offer better blend in comparison to HDPE and LLDPE. The viscosity of base bitumen was also enhanced with the addition of polymer. The pseudoplastic behavior was more prominent for HDPE and LLDPE than PP. Best results were obtained when polymer concentration was kept below 3%

HOPF Bifurcation of a Predator-prey Model with Time Delay and Habitat Complexity

In this paper, a predator-prey model with time delay and habitat complexity is investigated. By analyzing the characteristic equations, the local stability of each feasible equilibria of the system is discussed and the existence of a Hopf bifurcation at the coexistence equilibrium is established. By choosing the sum of two delays as a bifurcation parameter, we show that Hopf bifurcations can occur as  crosses some critical values. By deriving the equation describing the flow on the center manifold, we can determine the direction of the Hopf bifurcations and the stability of the bifurcating periodic solutions. Numerical simulations are carried out to illustrate the main theoretical results.

Optical and Structural Properties of a ZnS Buffer Layer Fabricated with Deposition Temperature of RF Magnetron Sputtering System

Optical properties of sputter-deposited ZnS thin films were investigated as potential replacements for CBD(chemical bath deposition) CdS buffer layers in the application of CIGS solar cells. ZnS thin films were fabricated on glass substrates at RT, 150oC, 200oC, and 250oC with 50 sccm Ar gas using an RF magnetron sputtering system. The crystal structure of the thin film is found to be zinc blende (cubic) structure. Lattice parameter of ZnS is slightly larger than CdS on the plane and thus better matched with that of CIGS. Within a 400-800 nm wavelength region, the average transmittance was larger than 75%. When the deposition temperature of the thin film was increased, the blue shift phenomenon was enhanced. Band gap energy of the ZnS thin film tended to increase as the deposition temperature increased. ZnS thin film is a promising material system for the CIGS buffer layer, in terms of ease of processing, low cost, environmental friendliness, higher transparency, and electrical properties

Learning through Shared Procedures -A Case of Using Technology to Bridge the Gap between Theory and Practice in Officer Education

In this article we explore how computer assisted exercises may allow for bridging the traditional gap between theory and practice in professional education. To educate officers able to master the complexity of the battlefield the Norwegian Military Academy needs to develop a learning environment that allows for creating viable connections between the educational environment and the field of practice. In response to this challenge we explore the conditions necessary to make computer assisted training systems (CATS) a useful tool to create structural similarities between an educational context and the field of military practice. Although, CATS may facilitate work procedures close to real life situations, this case do demonstrate how professional competence also must build on viable learning theories and environments. This paper explores the conditions that allow for using simulators to facilitate professional competence from within an educational setting. We develop a generic didactic model that ascribes learning to participation in iterative cycles of action and reflection. The development of this model is motivated by the need to develop an interdisciplinary professional education rooted in the pattern of military practice.

Quantitative Indicator of Abdominal Aortic Aneurysm Rupture Risk Based on its Geometric Parameters

Abdominal aortic aneurysms rupture (AAAs) is one of the main causes of death in the world. This is a very complex phenomenon that usually occurs “without previous warning". Currently, criteria to assess the aneurysm rupture risk (peak diameter and growth rate) can not be considered as reliable indicators. In a first approach, the main geometric parameters of aneurysms have been linked into five biomechanical factors. These are combined to obtain a dimensionless rupture risk index, RI(t), which has been validated preliminarily with a clinical case and others from literature. This quantitative indicator is easy to understand, it allows estimating the aneurysms rupture risks and it is expected to be able to identify the one in aneurysm whose peak diameter is less than the threshold value. Based on initial results, a broader study has begun with twelve patients from the Clinic Hospital of Valladolid-Spain, which are submitted to periodic follow-up examinations.

Bioleaching of Heavy Metals from Sewage Sludge Using Indigenous Iron-Oxidizing Microorganisms: Effect of Substrate Concentration and Total Solids

In the present study, the effect of ferrous sulfate concentration and total solids on bioleaching of heavy metals from sewage sludge has been examined using indigenous iron-oxidizing microorganisms. The experiments on effects of ferrous sulfate concentrations on bioleaching were carried out using ferrous sulfate of different concentrations (5-20 g L-1) to optimize the concentration of ferrous sulfate for maximum bioleaching. A rapid change in the pH and ORP took place in first 2 days followed by a slow change till 16th day in all the sludge samples. A 10 g L-1 ferrous sulfate concentration was found to be sufficient in metal bioleaching in the following order: Zn: 69%>Cu: 52%>Cr: 46%>Ni: 45. Further, bioleaching using 10 g/L ferrous sulfate was found to be efficient up to 20 g L-1 sludge solids concentration. The results of the present study strongly indicate that using 10 g L-1 ferrous sulfate indigenous iron-oxidizing microorganisms can bring down pH to a value needed for significant metal solubilization.

Analysis and Measuring Surface Roughness of Nonwovens Using Machine Vision Method

Concerning the measurement of friction properties of textiles and fabrics using Kawabata Evaluation System (KES), whose output is constrained to the surface friction factor of fabric, and no other data would be generated; this research has been conducted to gain information about surface roughness regarding its surface friction factor. To assess roughness properties of light nonwovens, a 3-dimensional model of a surface has been simulated with regular sinuous waves through it as an ideal surface. A new factor was defined, namely Surface Roughness Factor, through comparing roughness properties of simulated surface and real specimens. The relation between the proposed factor and friction factor of specimens has been analyzed by regression, and results showed a meaningful correlation between them. It can be inferred that the new presented factor can be used as an acceptable criterion for evaluating the roughness properties of light nonwoven fabrics.

Influence of Non-Structural Elements on Dynamic Response of Multi-Storey Rc Building to Mining Shock

In the paper the results of calculations of the dynamic response of a multi-storey reinforced concrete building to a strong mining shock originated from the main region of mining activity in Poland (i.e. the Legnica-Glogow Copper District) are presented. The representative time histories of accelerations registered in three directions were used as ground motion data in calculations of the dynamic response of the structure. Two variants of a numerical model were applied: the model including only structural elements of the building and the model including both structural and non-structural elements (i.e. partition walls and ventilation ducts made of brick). It turned out that non-structural elements of multi-storey RC buildings have a small impact of about 10 % on natural frequencies of these structures. It was also proved that the dynamic response of building to mining shock obtained in case of inclusion of all non-structural elements in the numerical model is about 20 % smaller than in case of consideration of structural elements only. The principal stresses obtained in calculations of dynamic response of multi-storey building to strong mining shock are situated on the level of about 30% of values obtained from static analysis (dead load).

MIMO-OFDM Coded for Digital Terrestrial Television Broadcasting Systems

This paper proposes and analyses the wireless telecommunication system with multiple antennas to the emission and reception MIMO (multiple input multiple output) with space diversity in a OFDM context. In particular it analyses the performance of a DTT (Digital Terrestrial Television) broadcasting system that includes MIMO-OFDM techniques. Different propagation channel models and configurations are considered for each diversity scheme. This study has been carried out in the context of development of the next generation DVB-T/H and WRAN.

Image Compression Using Hybrid Vector Quantization

In this paper, image compression using hybrid vector quantization scheme such as Multistage Vector Quantization (MSVQ) and Pyramid Vector Quantization (PVQ) are introduced. A combined MSVQ and PVQ are utilized to take advantages provided by both of them. In the wavelet decomposition of the image, most of the information often resides in the lowest frequency subband. MSVQ is applied to significant low frequency coefficients. PVQ is utilized to quantize the coefficients of other high frequency subbands. The wavelet coefficients are derived using lifting scheme. The main aim of the proposed scheme is to achieve high compression ratio without much compromise in the image quality. The results are compared with the existing image compression scheme using MSVQ.

Palynomorphological Data of Pollen Grains of Lamium garganicum

This study shows palynomorphological description of pollen grains of Lamium garganicum, species of the family Labiatae. Fresh material of this plant is taken in Mount Llogara, in Albania. By comparison made between palinomorphological characteristics of pollen grains of Lamium garganicum with those of Lamium maculatum and Lamium purpureum, showed that granules have similarities in the number of furrows. The pollen grains of Lamium garganicum were larger in length and width than those of Lamium maculatum and almost equal with those of Lamium purpureum. Furrows are longer than those of pollen grains in Lamium maculatum and shorter than those of Lamium purpureum. The layer of exine of Lamium garganicum was thinner than that of two others. The sculpture of exine was fine reticulate, where reticulas were uniform whereas in Lamium purpureum was verrucate, with small verrucae; in Lamium maculatum was reticulate.

Numerical Simulation of CNT Incorporated Cement

Cement, the most widely used construction material is very brittle and characterized by low tensile strength and strain capacity. Macro to nano fibers are added to cement to provide tensile strength and ductility to it. Carbon Nanotube (CNT), one of the nanofibers, has proven to be a promising reinforcing material in the cement composites because of its outstanding mechanical properties and its ability to close cracks at the nano level. The experimental investigations for CNT reinforced cement is costly, time consuming and involves huge number of trials. Mathematical modeling of CNT reinforced cement can be done effectively and efficiently to arrive at the mechanical properties and to reduce the number of trials in the experiments. Hence, an attempt is made to numerically study the effective mechanical properties of CNT reinforced cement numerically using Representative Volume Element (RVE) method. The enhancement in its mechanical properties for different percentage of CNTs is studied in detail.