The Key Challenges of the New Bank Regulations

The New Basel Capital Accord (Basel II) influences how financial institutions around the world, and especially European Union institutions, determine the amount of capital to reserve. However, as the recent global crisis has shown, the revision of Basel II is needed to reflect current trends, such as increased volatility and correlation, in the world financial markets. The overall objective of Basel II is to increase the safety and soundness of the international financial system. Basel II builds on three main pillars: Pillar I deals with the minimum capital requirements for credit, market and operational risk, Pillar II focuses on the supervisory review process and finally Pillar III promotes market discipline through enhanced disclosure requirements for banks. The aim of this paper is to provide the historical background, key features and impact of Basel II on financial markets. Moreover, we discuss new proposals for international bank regulation (sometimes referred to as Basel III) which include requirements for higher quality, constituency and transparency of banks' capital and risk management, regulation of OTC markets and introduction of new liquidity standards for internationally active banks.

Cut Flower Production: A Source of Incremental Income for the Marginal Farmers of the State of West Bengal in India

The basic objective of this paper is to measure and compare the profitability of investments made by the small and marginal farmers of the state of West Bengal in floriculture shifting from the traditional cultivation of paddy. A comparison of IRR is made to establish the fact that cultivation of flowers yield higher returns farmers whose land size is so small that viability of paddy cultivation is raising a question mark. A detailed study of the price behavior of the flower crop has been carried out in which the factors leading to the volatility of the price and the dispersion of the range have also been discussed. Finally the incremental incomes of the farmers have been calculated with the help of imputed income from paddy cultivation and the reported income from the selected flowers. The study shows that the farmers stand gainers if they opt for flower cultivation.

The Entrepreneur's General Personality Traits and Technological Developments

Technological newness and innovativeness are important aspects of small firm development, growth and wealth creation. The contribution of the study to entrepreneurship personality research and to technology-related research in entrepreneurship is that the model of the general personality driven technological development was developed and empirically tested. Hypotheses relating the big five personality factors (OCEAN: openness, conscientiousness, extraversion, agreeableness, and neuroticism) and technological developments were tested by using multiple regression analysis on survey data from a sample of 160 entrepreneurs from Slovenia. The model reveals two personality factors, which are predictive of technological developments: openness (positive impact) and neuroticism (negative impact). In addition, a positive impact of firm age on technological developments was found. Other personality factors (conscientiousness, extraversion and agreeableness) of entrepreneurs may not be considered important for their firm technological developments.

A Cross-Layer Approach for Cooperative MIMO Multi-hop Wireless Sensor Networks

In this work, we study the problem of determining the minimum scheduling length that can satisfy end-to-end (ETE) traffic demand in scheduling-based multihop WSNs with cooperative multiple-input multiple-output (MIMO) transmission scheme. Specifically, we present a cross-layer formulation for the joint routing, scheduling and stream control problem by incorporating various power and rate adaptation schemes, and taking into account an antenna beam pattern model and the signal-to-interference-and-noise (SINR) constraint at the receiver. In the context, we also propose column generation (CG) solutions to get rid of the complexity requiring the enumeration of all possible sets of scheduling links.

Modelling of Energy Consumption in Wheat Production Using Neural Networks “Case Study in Canterbury Province, New Zealand“

An artificial neural network (ANN) approach was used to model the energy consumption of wheat production. This study was conducted over 35,300 hectares of irrigated and dry land wheat fields in Canterbury in the 2007-2008 harvest year.1 In this study several direct and indirect factors have been used to create an artificial neural networks model to predict energy use in wheat production. The final model can predict energy consumption by using farm condition (size of wheat area and number paddocks), farmers- social properties (education), and energy inputs (N and P use, fungicide consumption, seed consumption, and irrigation frequency), it can also predict energy use in Canterbury wheat farms with error margin of ±7% (± 1600 MJ/ha).

Fiber Microstructure in Solanum Found in Thailand

The study aimed to investigate characteristics of vegetative tissue for taxonomic purpose and possibly trend of waste application in industry. Stems and branches of 15 species in Solanum found in Thailand were prepared for fiber and examined by light microscopy. Microstructural characteristic data of fiber i.e. fiber length and width, fiber lumen diameter and fiber cell wall thickness were recorded. The longest average fiber cell length (>3.9 mm.) were obtained in S. lycopersicum L. and S. tuberosum L. Fiber cells from S. lycopersicum also revealed the widest average diameter of whole cell and its lumen at >45.5 μm and >29 μm respectively. However fiber cells with thickest wall of > 9.6 μm were belonged to the ornamental tree species, S. wrightii Benth. The results showed that the slenderness ratio, Runkel ratio, and flexibility coefficient, with potentially suitable for feedstock in paper industry fell in 4 exotic species, i.e. Solanumamericanum L., S. lycopersicum, S. seaforthianum Andr., and S. tuberosum L

Chaotic Properties of Hemodynamic Responsein Functional Near Infrared Spectroscopic Measurement of Brain Activity

Functional near infrared spectroscopy (fNIRS) is a practical non-invasive optical technique to detect characteristic of hemoglobin density dynamics response during functional activation of the cerebral cortex. In this paper, fNIRS measurements were made in the area of motor cortex from C4 position according to international 10-20 system. Three subjects, aged 23 - 30 years, were participated in the experiment. The aim of this paper was to evaluate the effects of different motor activation tasks of the hemoglobin density dynamics of fNIRS signal. The chaotic concept based on deterministic dynamics is an important feature in biological signal analysis. This paper employs the chaotic properties which is a novel method of nonlinear analysis, to analyze and to quantify the chaotic property in the time series of the hemoglobin dynamics of the various motor imagery tasks of fNIRS signal. Usually, hemoglobin density in the human brain cortex is found to change slowly in time. An inevitable noise caused by various factors is to be included in a signal. So, principle component analysis method (PCA) is utilized to remove high frequency component. The phase pace is reconstructed and evaluated the Lyapunov spectrum, and Lyapunov dimensions. From the experimental results, it can be conclude that the signals measured by fNIRS are chaotic.

Using Knowledge Management for Creating Knowledge Society through e-Government Services in Montenegro

The waves of eGovernment are rising very fast through almost all public administration, or at least most of the public administrations around the world, and not only the public administration, but also the entire government and all of their organization as a whole. The government uses information technology, and above all the internet or web network, to facilitate the exchange of services between government agencies and citizens, businesses, employees and other non-governmental agencies. With efficient and transparent information exchange, the information becomes accessible to the society (citizens, business, employees etc.), and as a result of these processes the society itself becomes the information society or knowledge society. This paper discusses the knowledge management for eGovernment development in significance and role. Also, the paper reviews the role of virtual communities as a knowledge management mechanism to support eGovernment in Montenegro. It explores the need for knowledge management in eGovernment, identifies knowledge management technologies, and highlights the challenges for developing countries, such as Montenegro in the implementation of eGovernment. The paper suggests that knowledge management is needed to facilitate information exchange and transaction processing with citizens, as well as to enable creation of knowledge society.

Image Contrast Enhancement based Sub-histogram Equalization Technique without Over-equalization Noise

In order to enhance the contrast in the regions where the pixels have similar intensities, this paper presents a new histogram equalization scheme. Conventional global equalization schemes over-equalizes these regions so that too bright or dark pixels are resulted and local equalization schemes produce unexpected discontinuities at the boundaries of the blocks. The proposed algorithm segments the original histogram into sub-histograms with reference to brightness level and equalizes each sub-histogram with the limited extents of equalization considering its mean and variance. The final image is determined as the weighted sum of the equalized images obtained by using the sub-histogram equalizations. By limiting the maximum and minimum ranges of equalization operations on individual sub-histograms, the over-equalization effect is eliminated. Also the result image does not miss feature information in low density histogram region since the remaining these area is applied separating equalization. This paper includes how to determine the segmentation points in the histogram. The proposed algorithm has been tested with more than 100 images having various contrasts in the images and the results are compared to the conventional approaches to show its superiority.

Intuitionistic Fuzzy Dual Positive Implicative Hyper K- Ideals

In this note first we define the notions of intuitionistic fuzzy dual positive implicative hyper K-ideals of types 1,2,3,4 and intuitionistic fuzzy dual hyper K-ideals. Then we give some classifications about these notions according to the level subsets. Also by given some examples we show that these notions are not equivalent, however we prove some theorems which show that there are some relationships between these notions. Finally we define the notions of product and antiproduct of two fuzzy subsets and then give some theorems about the relationships between the intuitionistic fuzzy dual positive implicative hyper K-ideal of types 1,2,3,4 and their (anti-)products, in particular we give a main decomposition theorem.

A New Method Presentation for Fault Location in Power Transformers

Power transformers are among the most important and expensive equipments in the electric power systems. Consequently the transformer protection is an essential part of the system protection. This paper presents a new method for locating transformer winding faults such as turn-to-turn, turn-to-core, turn-totransformer body, turn-to-earth, and high voltage winding to low voltage winding. In this study the current and voltage signals of input and output terminals of the transformer are measured, which the Fourier transform of measured signals and harmonic analysis determine the fault's location.

Acceptance of Consumer on Various Tempeh and Protein Content Comparison

This research aims to study consumer acceptance of Tempeh from various raw materials (type of bean) and determine protein contents for comparison. Tempeh made from soybean, peanut, white kidney bean and sesame in the ratio: - soybean:sesame =1:0.1, soybean:white kidney:sesame =1:1:0.1, soybean:peanut:sesame =1:1:0.1 and peanut:white kidney bean: sesame =1:1:0.1. The study found that consumer is most satisfied with appearances on soybean mixed with white kidney and black sesame tempeh (3.98). The most satisfied tempeh with textures is soybean mixed with peanut and black sesame tempeh (4.00). The most satisfied tempeh with odor is peanut mixed with white kidney bean and black sesame tempeh (4.04). And the most satisfied tempeh with flavor is peanut mixed with white kidney bean and black sesame tempeh (4.2). The amount of protein in production, soybean tempeh has the highest protein. When we add sesame seeds, it made the protein content slightly decreased (1.86 and 0.6 %). When we use peanut as raw material, the protein content decreased 15.3%. And when we use white kidney bean as raw material, the protein content decreased (22.77- 26.11%). 

Neural Network Implementation Using FPGA: Issues and Application

.Hardware realization of a Neural Network (NN), to a large extent depends on the efficient implementation of a single neuron. FPGA-based reconfigurable computing architectures are suitable for hardware implementation of neural networks. FPGA realization of ANNs with a large number of neurons is still a challenging task. This paper discusses the issues involved in implementation of a multi-input neuron with linear/nonlinear excitation functions using FPGA. Implementation method with resource/speed tradeoff is proposed to handle signed decimal numbers. The VHDL coding developed is tested using Xilinx XC V50hq240 Chip. To improve the speed of operation a lookup table method is used. The problems involved in using a lookup table (LUT) for a nonlinear function is discussed. The percentage saving in resource and the improvement in speed with an LUT for a neuron is reported. An attempt is also made to derive a generalized formula for a multi-input neuron that facilitates to estimate approximately the total resource requirement and speed achievable for a given multilayer neural network. This facilitates the designer to choose the FPGA capacity for a given application. Using the proposed method of implementation a neural network based application, namely, a Space vector modulator for a vector-controlled drive is presented

20 GHz Fractional Phased Locked Loop Circuit for the Gbps Wireless Communication

This paper presents the 20-GHz fractional PLL (Phase Locked Loop) circuit for the next generation Wi-Fi by using 90 nm TSMC process. The newly suggested millimeter wave 16/17 pre-scalar is designed and verified by measurement to make the fractional PLL having a low quantization noise. The operational bandwidth of the 60 GHz system is 15 % of the carrier frequency which requires large value of Kv (VCO control gain) resulting in degradation of phase noise. To solve this problem, this paper adopts AFC (Automatic Frequency Controller) controlled 4-bit millimeter wave VCO with small value of Kv. Also constant Kv is implemented using 4-bit varactor bank. The measured operational bandwidth is 18.2 ~ 23.2 GHz which is 25 % of the carrier frequency. The phase noise of -58 and -96.2 dBc/Hz at 100 KHz and 1 MHz offset is measured respectively. The total power consumption of the PLL is only 30 mW.

Thermal Distribution in Axial-Flow Fixed Bed with Flowing Gas

This paper reported an experimental research of steady-state heat transfer behaviour of a gas flowing through a fixed bed under the different operating conditions. Studies had been carried out in a fixed-bed packed methanol synthesis catalyst percolated by air at appropriate flow rate. Both radial and axial direction temperature distribution had been investigated under the different operating conditions. The effects of operating conditions including the reactor inlet air temperature, the heating pipe temperature and the air flow rate on temperature distribution was investigated and the experimental results showed that a higher inlet air temperature was conducive to uniform temperature distribution in the fixed bed. A large temperature drop existed at the radial direction, and the temperature drop increased with the heating pipe temperature increasing under the experimental conditions; the temperature profile of the vicinity of the heating pipe was strongly affected by the heating pipe temperature. A higher air flow rate can improve the heat transfer in the fixed bed. Based on the thermal distribution, heat transfer models of the fixed bed could be established, and the characteristics of the temperature distribution in the fixed bed could be finely described, that had an important practical significance.

Study on the Atomic-Oxygen-Protection Film Preparation of Organic Silicon and Its Properties

Materials used on exterior spacecraft surfaces are subjected to many environmental threats which can cause degradation, atomic oxygen is one of the most threats. We prepared organic silicon atomic-oxygen-protection film using method of polymerization. This paper presented the effects on the film structure and its durability of the preparation processing, and analyzed the polymerization theory, the film structure and composition of the film. At last, we tested the film in our ground based atomic oxygen simulator, and indicated that the film worked well.

NGN and WiMAX: Putting the Pieces Together

With the exponential rise in the number of multimedia applications available, the best-effort service provided by the Internet today is insufficient. Researchers have been working on new architectures like the Next Generation Network (NGN) which, by definition, will ensure Quality of Service (QoS) in an all-IP based network [1]. For this approach to become a reality, reservation of bandwidth is required per application per user. WiMAX (Worldwide Interoperability for Microwave Access) is a wireless communication technology which has predefined levels of QoS which can be provided to the user [4]. IPv6 has been created as the successor for IPv4 and resolves issues like the availability of IP addresses and QoS. This paper provides a design to use the power of WiMAX as an NSP (Network Service Provider) for NGN using IPv6. The use of the Traffic Class (TC) field and the Flow Label (FL) field of IPv6 has been explained for making QoS requests and grants [6], [7]. Using these fields, the processing time is reduced and routing is simplified. Also, we define the functioning of the ASN gateway and the NGN gateway (NGNG) which are edge node interfaces in the NGNWiMAX design. These gateways ensure QoS management through built in functions and by certain physical resources and networking capabilities.

Development of User Interface for Multiple Devices Connecting Path Planning System for Bus Network

Recently, web services to access from many type devices are often used. We have developed the shortest path planning system called "Bus-Net" in Tottori prefecture as a web application to sustain the public transport. And it used the same user interface for both devices. To support both devices, the interface cannot use JavaScript and so on. Thus, we developed the method that use individual user interface for each device type to improve its convenience. To be concrete, we defined formats of condition input to the path planning system and result output from it and separate the system into the request processing part and user interface parts that depend on device types. By this method, we have also developed special device for Bus-Net named "Intelligent-Bus-Stop".

A Novel VLSI Architecture of Hybrid Image Compression Model based on Reversible Blockade Transform

Image compression can improve the performance of the digital systems by reducing time and cost in image storage and transmission without significant reduction of the image quality. Furthermore, the discrete cosine transform has emerged as the new state-of-the art standard for image compression. In this paper, a hybrid image compression technique based on reversible blockade transform coding is proposed. The technique, implemented over regions of interest (ROIs), is based on selection of the coefficients that belong to different transforms, depending on the coefficients is proposed. This method allows: (1) codification of multiple kernals at various degrees of interest, (2) arbitrary shaped spectrum,and (3) flexible adjustment of the compression quality of the image and the background. No standard modification for JPEG2000 decoder was required. The method was applied over different types of images. Results show a better performance for the selected regions, when image coding methods were employed for the whole set of images. We believe that this method is an excellent tool for future image compression research, mainly on images where image coding can be of interest, such as the medical imaging modalities and several multimedia applications. Finally VLSI implementation of proposed method is shown. It is also shown that the kernal of Hartley and Cosine transform gives the better performance than any other model.

Controller Design for Euler-Bernoulli Smart Structures Using Robust Decentralized FOS via Reduced Order Modeling

This paper features the modeling and design of a Robust Decentralized Fast Output Sampling (RDFOS) Feedback control technique for the active vibration control of a smart flexible multimodel Euler-Bernoulli cantilever beams for a multivariable (MIMO) case by retaining the first 6 vibratory modes. The beam structure is modeled in state space form using the concept of piezoelectric theory, the Euler-Bernoulli beam theory and the Finite Element Method (FEM) technique by dividing the beam into 4 finite elements and placing the piezoelectric sensor / actuator at two finite element locations (positions 2 and 4) as collocated pairs, i.e., as surface mounted sensor / actuator, thus giving rise to a multivariable model of the smart structure plant with two inputs and two outputs. Five such multivariable models are obtained by varying the dimensions (aspect ratios) of the aluminium beam. Using model order reduction technique, the reduced order model of the higher order system is obtained based on dominant Eigen value retention and the Davison technique. RDFOS feedback controllers are designed for the above 5 multivariable-multimodel plant. The closed loop responses with the RDFOS feedback gain and the magnitudes of the control input are obtained and the performance of the proposed multimodel smart structure system is evaluated for vibration control.