Abstract: This paper seeks to assess the implications of bank
consolidation on lending, which largely determine the survival and
performance of small and medium scale enterprises and in turn the
development of the Nigerian economy. Ordinary least square
technique, correlation matrix test and Granger –causality test were
employed to measure the extent to which lending to small and
medium scale enterprises were influenced. The result showed that
bank deposit (BD) impacted on lending to small and medium scale
enterprises. Commercial and merchant bank lending rate had
statistically insignificant effect on the dependent variable. There is a
shift of focus by commercial banks from small and medium scale
enterprises (small customers) to major investors (big customers).
While micro finance banks work hard at providing funds to small and
medium scale entrepreneurs, their capacity to meet the needs of these
entrepreneurs is constrained. The capital and deposits of micro
finance bank should be boosted in order to effectively support small
and medium scale enterprises through loans.
Abstract: This paper presents the modeling approach in SBO
sequence for VVER 1000 reactors and describes the reactor core
behavior at late in-vessel phase in case of late reflooding by HPIS
and gives preliminary results for the ASTECv2 validation. The work
is focused on investigation of plant behavior during total loss of
power and the operator actions. The main goal of these analyses is to
assess the phenomena arising during the Station blackout (SBO)
followed by primary side high pressure injection system (HPIS)
reflooding of already damaged reactor core at very late “in-vessel”
phase. The purpose of the analyses is to define how the later HPIS
switching on can delay the time of vessel failure or possibly avoid
vessel failure. The times for HPP injection were chosen based on
previously performed investigations.
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: Recently attention has been focused on incomplete
spinal cord injuries (SCI) to the central spine caused by pressure on
parts of the white matter conduction pathway, such as the pyramidal
tract. In this paper, we focus on a training robot designed to assist with
primary walking-pattern training. The target patient for this training
robot is relearning the basic functions of the usual walking pattern; it is
meant especially for those with incomplete-type SCI to the central
spine, who are capable of standing by themselves but not of
performing walking motions. From the perspective of human
engineering, we monitored the operator’s actions to the robot and
investigated the movement of joints of the lower extremities, the
circumference of the lower extremities, and exercise intensity with the
machine. The concept of the device was to provide mild training
without any sudden changes in heart rate or blood pressure, which will
be particularly useful for the elderly and disabled. The mechanism of
the robot is modified to be simple and lightweight with the expectation
that it will be used at home.
Abstract: In many countries, governments have been promoting the involvement of private sector entities to enter into long-term agreements for the development and delivery of large infrastructure projects, with a focus on overcoming the limitations upon public fund of the traditional approach. The involvement of private sector through public private partnerships (PPP) brings in new capital investments, value for money and additional risks to handle. Worldwide research studies have shown that an objective, systematic, reliable and useroriented risk assessment process and an optimal allocation mechanism among different stakeholders is crucial to the successful completion. In this framework, this paper, which is the first stage of a research study, aims to identify the main risks for the delivery of PPP projects. A review of cross-countries research projects and case studies was performed to map the key risks affecting PPP infrastructure delivery. The matrix of mapping offers a summary of the frequency of factors, clustered in eleven categories: construction, design, economic, legal, market, natural, operation, political, project finance, project selection and relationship. Results will highlight the most critical risk factors, and will hopefully assist the project managers in directing the managerial attention in the further stages of risk allocation.
Abstract: This study investigated the impact of inflectional and derivational morphemic analysis awareness on ESL secondary school students’ vocabulary learning strategy. The quasi-experimental study was conducted with 106 low proficiency secondary school students in two experimental groups (inflectional and derivational) and one control group. The students’ vocabulary acquisition was assessed through two measures: Morphemic Analysis Test and Vocabulary- Morphemic Test in the pretest and posttest before and after an intervention programme. Results of ANCOVA revealed that both the experimental groups achieved a significant score in Morphemic Analysis Test and Vocabulary-Morphemic Test. However, the inflectional group obtained a fairly higher score than the derivational group. Thus, the results indicated that ESL low proficiency secondary school students performed better on inflectional morphemic awareness as compared to derivatives. The results also showed that the awareness of inflectional morphology contributed more on the vocabulary acquisition. Importantly, learning inflectional morphology can help ESL low proficiency secondary school students to develop both morphemic awareness and vocabulary gain. Theoretically, these findings show that not all morphemes are equally useful to students for their language development. Practically, these findings indicate that morphological instruction should at least be included in remediation and instructional efforts with struggling learners across all grade levels, allowing them to focus on meaning within the word before they attempt the text in large for better comprehension. Also, by methodologically, by conducting individualized intervention and assessment this study provided fresh empirical evidence to support the existing literature on morphemic analysis awareness and vocabulary learning strategy. Thus, a major pedagogical implication of the study is that morphemic analysis awareness strategy is a definite boon for ESL secondary school students in learning English vocabulary.
Abstract: This paper seeks to assess the implications of bank
consolidation on the performance of small and medium scale
enterprises in the Nigerian economy. Multiple linear regression
technique and correlation matrix test were employed to measure the
extent to which small and medium scale enterprises asset size,
survival and access to credit were influenced. The result showed that
bank deposit (BD) and bank credit (L or BC) impacted on asset size
and survival of small and medium scale enterprises. None of the
variables had significant impact on SMEs access to credit. There is a
shift of focus by commercial banks away from small and medium
scale enterprises (small customers), which is evidenced by the
significant negative influence of bank credit to both the survival and
asset size of small and medium enterprises. While micro finance
banks work hard at providing funds to small and medium scale
entrepreneurs, their capacity to meet the needs of these entrepreneurs
is constrained. CBN should make policies that will boost micro
finance bank’s capital and also monitor closely the management of
the banks to ensure prudent financing of small and medium scale
investments.
Abstract: It is an indispensible strategy to adopt greenery
approach on architectural bases so as to improve ecological habitats,
decrease heat-island effect, purify air quality, and relieve surface
runoff as well as noise pollution, all of which are done in an attempt to
achieve sustainable environment. How we can do with plant design to
attain the best visual quality and ideal carbon dioxide fixation depends
on whether or not we can appropriately make use of greenery
according to the nature of architectural bases. To achieve the goal, it is
a need that architects and landscape architects should be provided with
sufficient local references. Current greenery studies focus mainly on
the heat-island effect of urban with large scale. Most of the architects
still rely on people with years of expertise regarding the adoption and
disposition of plantation in connection with microclimate scale.
Therefore, environmental design, which integrates science and
aesthetics, requires fundamental research on landscape environment
technology divided from building environment technology. By doing
so, we can create mutual benefits between green building and the
environment. This issue is extremely important for the greening design
of the bases of green buildings in cities and various open spaces. The
purpose of this study is to establish plant selection and allocation
strategies under different building sunshade levels. Initially, with the
shading of sunshine on the greening bases as the starting point, the
effects of the shades produced by different building types on the
greening strategies were analyzed. Then, by measuring the PAR
(photosynthetic active radiation), the relative DLI (daily light integral)
was calculated, while the DLI Map was established in order to
evaluate the effects of the building shading on the established
environmental greening, thereby serving as a reference for plant
selection and allocation. The discussion results were to be applied in
the evaluation of environment greening of greening buildings and
establish the “right plant, right place” design strategy of multi-level
ecological greening for application in urban design and landscape
design development, as well as the greening criteria to feedback to the
eco-city greening buildings.
Abstract: Communicating users' needs, goals and problems help
designers and developers overcome challenges faced by end users.
Personas are used to represent end users’ needs. In our research,
creating personas allowed the following questions to be answered:
Who are the potential user groups? What do they want to achieve by
using the service? What are the problems that users face? What
should the service provide to them? To develop realistic personas, we
conducted a focus group discussion with undergraduate and graduate
students and also interviewed a university librarian. The personas
were created to help evaluating the Institutional Repository that is
based on the DSpace system. The profiles helped to communicate
users' needs, abilities, tasks, and problems, and the task scenarios
used in the heuristic evaluation were based on these personas. Four
personas resulted of a focus group discussion with undergraduate and
graduate students and from interviewing a university librarian. We
then used these personas to create focused task-scenarios for a
heuristic evaluation on the system interface to ensure that it met
users' needs, goals, problems and desires. In this paper, we present
the process that we used to create the personas that led to devise the
task scenarios used in the heuristic evaluation as a follow up study of
the DSpace university repository.
Abstract: Electrostatic interaction energy (ΔEEDL) is a part of the Extended Derjaguin-Landau-Verwey-Overbeek (XDLVO) theory, which, together with van der Waals (ΔEVDW) and acid base (ΔEAB) interaction energies, has been extensively used to investigate the initial adhesion of bacteria to surfaces. Electrostatic or electrical double layer interaction energy is considerably affected by surface potential; however it cannot be determined experimentally and is usually replaced by zeta (ζ) potential via electrophoretic mobility. This paper focusses on the effect of ionic concentration as a function of pH and the effect of mineral grain size on ζ potential. It was found that both ionic strength and mineral grain size play a major role in determining the value of ζ potential for the adhesion of P. putida to hematite and quartz surfaces. Higher ζ potential values lead to higher electrostatic interaction energies and eventually to higher total XDLVO interaction energy resulting in bacterial repulsion.
Abstract: This study aimed to explore the practical experience
of child welfare caseworkers and professionalism in child case
management in Malaysia. This paper discussed the specific social
work practice competency and the challenges faced by child
caseworkers in the fieldwork. This research was qualitative with
grounded theory approach. Four sessions of focused group discussion
(FGD) were conducted involving a total of 27 caseworkers (child
protector and probation officers) in the Klang Valley. The study
found that the four basic principles of knowledge in child case
management namely: 1. knowledge in child case management; 2.
professional values of caseworkers towards children; 3. skills in
managing cases; and 4. culturally competent practice in child case
management. In addition, major challenges faced by the child case
manager are the capacity and commitment of the family in children’s
rehabilitation program, the credibility of caseworkers are being
challenged, and the challenges of support system from intra and interagency.
This study is important for policy makers to take into account
the capacity and the needs of the child’s caseworker in accordance
with the national social work competency framework. It is expected
that case management services for children will improve
systematically in line with national standards.
Abstract: The current paper presents the results of a conducted
case study. During the past few years the number of children
diagnosed with Learning Difficulties has drastically augmented and
especially the cases of ADHD (Attention Deficit Hyperactivity
Disorder). One of the core characteristics of ADHD is a deficit in
working memory functions. The review of the literature indicates a
plethora of educational software that aim at training and enhancing
the working memory. Nevertheless, in the current paper, the
possibility of using for the same purpose free, online games will be
explored. Another issue of interest is the potential effect of the
working memory training to the core symptoms of ADHD. In order
to explore the abovementioned research questions, three digital tests
are employed, all of which are developed on the E-slate platform by
the author, in order to check the levels of ADHD’s symptoms and to
be used as diagnostic tools, both in the beginning and in the end of
the case study. The tools used during the main intervention of the
research are free online games for the training of working memory.
The research and the data analysis focus on the following axes: a) the
presence and the possible change in two of the core symptoms of
ADHD, attention and impulsivity and b) a possible change in the
general cognitive abilities of the individual. The case study was
conducted with the participation of a thirteen year-old, female
student, diagnosed with ADHD, during after-school hours. The
results of the study indicate positive changes both in the levels of
attention and impulsivity. Therefore, we conclude that the training of
working memory through the use of free, online games has a positive
impact on the characteristics of ADHD. Finally, concerning the
second research question, the change in general cognitive abilities, no
significant changes were noted.
Abstract: In this paper, relationship between different properties
of IC concrete and water cement ratio, obtained from a
comprehensive experiment conducted on IC using local materials
(Burnt clay chips- BC) is presented. In addition, saturated SAP was
used as an IC material in some cases. Relationships have been
developed through regression analysis. The focus of this analysis is
on developing relationship between a dependent variable and an
independent variable. Different percent replacements of BC and
water cement ratios were used. Compressive strength, modulus of
elasticity, water permeability and chloride permeability were tested
and variations of these parameters were analyzed with respect to
water cement ratio.
Abstract: The goal of the modern education system is to prepare
students to be able to adapt to ever-changing life situations. They
must be able to acquire required knowledge independently; apply
such knowledge in practice to solve various problems by using
modern technologies; think critically and creatively; competently use
information; be communicative, work in a team; and develop their
own moral values, intellect and cultural awareness. As a result, the
status of education significantly increases; new requirements to its
quality have been formed. In recent years the competency-based
approach in education has become of significant interest. This
approach is a strengthening of applied and practical characteristics of
a school education and leads to the forming of the key students’
competencies which define their success in future life. In this article,
the authors’ attention focuses on a range of key competencies,
educational, informational and communicative and on the possibility
to develop such competencies via STEM education. This research
shows the change in students’ attitude towards scientific disciplines
such as mathematics, general science, technology and engineering as
a result of STEM education. Two staged analyzed questionnaires
completed by students of forms II to IV in the republic of Trinidad
and Tobago allowed the authors to categorize students between two
levels that represent students’ attitude to various disciplines. The
significance of differences between selected levels was confirmed
with the use of Pearson’s chi-squared test. In summary, the analysis
of obtained data makes it possible to conclude that STEM education
has a great potential for development of core students’ competencies
and encourage the development of positive student attitude towards
the above mentioned above scientific disciplines.
Abstract: Information technology plays an irreplaceable role in
introducing and improving business process orientation in a
company. It enables implementation of the theoretical concept,
measurement of results achieved and undertaking corrective
measures aimed at improvements. Information technology is a key
concept in the development and implementation of the business
process management systems as it establishes a connection to
business operations. Both in the literature and practice, insurance
companies are often seen as highly process oriented due to the nature
of their business and focus on customers. They are also considered
leaders in using information technology for business process
management. The research conducted aimed to investigate whether
the perceived leadership status of insurance companies is well
deserved, i.e. to establish the level of process orientation and explore
the practice of information technology use in insurance companies in
the region. The main instrument for primary data collection within
this research was an electronic survey questionnaire sent to the
management of insurance companies in the Republic of Croatia,
Bosnia and Herzegovina, Slovenia, Serbia and Macedonia. The
conducted research has shown that insurance companies have a
satisfactory level of process orientation, but that there is also a huge
potential for improvement, especially in the segment of information
technology and its connection to business processes.
Abstract: Financial innovations can be regarded as the cause
and the effect of the evolution of the financial system. Most of
financial innovations are created by various financial institutions for
their own purposes and needs. However, due to their diversity,
financial innovations can be also applied by various business entities
(other than financial institutions).
This paper focuses on the potential application of financial
innovations by non-financial companies. It is assumed that financial
innovations may be effectively applied in all fields of corporate
financial decisions integrating financial management with the risk
management process. Appropriate application of financial
innovations may enhance the development of the company and
increase its value by improving its financial situation and reducing
the level of risk. On the other hand, misused financial innovations
may become the source of extra risk for the company threatening its
further operation.
The main objective of the paper is to identify the major types of
financial innovations offered to non-financial companies by the
banking system in Poland. It also aims at identifying the main factors
determining the creation of financial innovations in the banking
system in Poland and indicating future directions of their
development.
This paper consists of conceptual and empirical part. Conceptual
part based on theoretical study is focused on the determinants of the
process of financial innovations and their application by the nonfinancial
companies. Theoretical study is followed by the empirical
research based on the analysis of the actual offer of the 20 biggest
banks operating in Poland with regard to financial innovations
offered to SMEs and large corporations. These innovations are
classified according to the main functions of the integrated financial
management, such as financing, investment, working capital
management and risk management.
Empirical study has proved that the biggest banks operating in the
Polish market offer to their business customers many types and
classes of financial innovations. This offer appears vast and adequate
to the needs and purposes of the Polish non-financial companies. It
was observed that financial innovations pertained to financing
decisions dominate in the banks’ offer. However, due to high
diversification of the offered financial innovations, business
customers may effectively apply them in all fields and areas of
integrated financial management. It should be underlined, that the
banks’ offer is highly dispersed, which may limit the implementation
of financial innovations in the corporate finance. It would be also
recommended for the banks operating in the Polish market to
intensify the education campaign aiming at increasing knowledge
about financial innovations among business customers.
Abstract: The main objective of MEAL is to develop a
pedagogical tool aimed to help teachers and nutritionists (students
and professionals) to acquire, train, promote and deliver to children
basic nutritional education and healthy eating behaviours
competencies. MEAL is focused on eating behaviours and not only in
nutritional literacy, and will use new technologies like Information
and Communication Technologies (ICTs) and serious games (SG)
platforms to consolidate the nutritional competences and habits.
Abstract: As smartphones are equipped with various sensors,
there have been many studies focused on using these sensors to create
valuable applications. Human activity recognition is one such
application motivated by various welfare applications, such as the
support for the elderly, measurement of calorie consumption, lifestyle
and exercise patterns analyses, and so on. One of the challenges one
faces when using smartphone sensors for activity recognition is that
the number of sensors should be minimized to save battery power. In
this paper, we show that a fairly accurate classifier can be built that
can distinguish ten different activities by using only a single sensor
data, i.e., the smartphone accelerometer data. The approach that we
adopt to deal with this twelve-class problem uses various methods.
The features used for classifying these activities include not only the
magnitude of acceleration vector at each time point, but also the
maximum, the minimum, and the standard deviation of vector
magnitude within a time window. The experiments compared the
performance of four kinds of basic multi-class classifiers and the
performance of four kinds of ensemble learning methods based on
three kinds of basic multi-class classifiers. The results show that
while the method with the highest accuracy is ECOC based on
Random forest.
Abstract: Consumers are demanding novel beverages that are
healthier, convenient and have appealing consumer acceptance. The
objectives of this study were to investigate the effects of adding grape
polyphenols and the influence of presenting health claims on the
sensory acceptability of wines. Fresh red sorrel calyces were
fermented into wines. The total soluble solids of the pectinase-treated
sorrel puree were from 4°Brix to 23.8°Brix. Polyphenol in the form
of grape pomace extract was added to sorrel wines (w/v) in specified
levels to give 0. 25. 50 and 75 ppm. A focus group comprising of 12
panelists was use to select the level of polyphenol to be added to
sorrel wines for sensory preference The sensory attributed of the
wines which were evaluated were colour, clarity, aroma, flavor,
mouth-feel, sweetness, astringency and overall preference. The sorrel
wine which was most preferred from focus group evaluation was
presented for hedonic rating. In the first stage of hedonic testing, the
sorrel wine was served chilled at 7°C for 24 h prior to sensory
evaluation. Each panelist was provided with a questionnaire and was
asked to rate the wines on colour, aroma, flavor, mouth-feel,
sweetness, astringency and overall acceptability using a 9-point
hedonic scale. In the second stage of hedonic testing, the panelist
were instructed to read a health abstract on the health benefits of
polyphenolic compounds and again to rate sorrel wine with added 25
ppm polyphenol. Paired t-test was used for the analysis of the
influence of presenting health information on polyphenols on hedonic
scoring of sorrel wines. Focus groups found that the addition of
polyphenol addition had no significant effect on sensory color and
aroma but affected clarity and flavor. A 25 ppm wine was liked
moderately in overall acceptability. The presentation of information
on the health benefit of polyphenols in sorrel wines to panelists had
no significant influence on the sensory acceptance of wine. More
than half of panelists would drink this wine now and then. This wine
had color L 19.86±0.68, chroma 2.10±0.12, hue° 16.90 ±3.10 and
alcohol content of 13.0%. The sorrel wine was liked moderately in
overall acceptability with the added polyphenols.
Abstract: Batch production plants provide a wide range of
scheduling problems. In pharmaceutical industries a batch process
is usually described by a recipe, consisting of an ordering of tasks
to produce the desired product. In this research work we focused
on pharmaceutical production processes requiring the culture of
a microorganism population (i.e. bacteria, yeasts or antibiotics).
Several sources of uncertainty may influence the yield of the culture
processes, including (i) low performance and quality of the cultured
microorganism population or (ii) microbial contamination. For
these reasons, robustness is a valuable property for the considered
application context. In particular, a robust schedule will not collapse
immediately when a cell of microorganisms has to be thrown away
due to a microbial contamination. Indeed, a robust schedule should
change locally in small proportions and the overall performance
measure (i.e. makespan, lateness) should change a little if at all.
In this research work we formulated a constraint programming
optimization (COP) model for the robust planning of antibiotics
production. We developed a discrete-time model with a multi-criteria
objective, ordering the different criteria and performing a
lexicographic optimization. A feasible solution of the proposed
COP model is a schedule of a given set of tasks onto available
resources. The schedule has to satisfy tasks precedence constraints,
resource capacity constraints and time constraints. In particular
time constraints model tasks duedates and resource availability
time windows constraints. To improve the schedule robustness, we
modeled the concept of (a, b) super-solutions, where (a, b) are input
parameters of the COP model. An (a, b) super-solution is one in
which if a variables (i.e. the completion times of a culture tasks)
lose their values (i.e. cultures are contaminated), the solution can be
repaired by assigning these variables values with a new values (i.e.
the completion times of a backup culture tasks) and at most b other
variables (i.e. delaying the completion of at most b other tasks).
The efficiency and applicability of the proposed model is
demonstrated by solving instances taken from a real-life
pharmaceutical company. Computational results showed that
the determined super-solutions are near-optimal.