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

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

Current Mode Logic Circuits for 10-bit 5GHz High Speed Digital to Analog Converter

This paper presents CMOS Current Mode Logic (CML) circuits for a high speed Digital to Analog Converter (DAC) using standard CMOS 65nm process. The CML circuits have the propagation delay advantage over its conventional CMOS counterparts due to smaller output voltage swing and tunable bias current. The CML circuits proposed in this paper can achieve a maximum propagation delay of only 9.3ps, which can satisfy the stringent requirement for the 5 GHz high speed DAC application. Another advantage for CML circuits is its dynamic symmetry characteristic resulting in a reduction of an additional inverter. Simulation results show that the proposed CML circuits can operate from 1.08V to 1.3V with temperature ranging from -40 to +120°C.

Novel Process Formulation of Multiple Unit Tablet of Pantoprazole

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

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

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

TBC for Protection of Al Alloy Aerospace Component

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

Accuracy of Displacement Estimation and Selection of Capacitors for a Four Degrees of Freedom Capacitive Force Sensor

Force sensor has been used as requisite for knowing information on the amount and the directions of forces on the skin surface. We have developed a four-degrees-of-freedom capacitive force sensor (approximately 20×20×5 mm3) that has a flexible structure and sixteen parallel plate capacitors. An iterative algorithm was developed for estimating four displacements from the sixteen capacitances using fourth-order polynomial approximation of characteristics between capacitance and displacement. The estimation results from measured capacitances had large error caused by deterioration of the characteristics. In this study, effective capacitors had major information were selected on the basis of the capacitance change range and the characteristic shape. Maximum errors in calibration and non-calibration points were 25%and 6.8%.However the maximum error was larger than desired value, the smallness of averaged value indicated the occurrence of a few large error points. On the other hand, error in non-calibration point was within desired value.  

Analysis of the Energetic Feature of the Loaded Gait with Variation of the Trunk Flexion Angle

The purpose of the research is to investigate the energetic feature of the backpack load on soldier’s gait with variation of the trunk flexion angle. It is believed that the trunk flexion variation of the loaded gait may cause a significant difference in the energy cost which is often in practice in daily life. To this end, seven healthy Korea military personnel participated in the experiment and are tested under three different walking postures comprised of the small, natural and large trunk flexion. There are around 5 degree differences of waist angle between each trunk flexion. The ground reaction forces were collected from the force plates and motion kinematic data are measured by the motion capture system. Based on these data, the impulses, momentums and mechanical works done on the center of body mass (COM) during the double support phase were computed. The result shows that the push-off and heel strike impulse are not relevant to the trunk flexion change, however the mechanical work by the push-off and heel strike were changed by the trunk flexion variation. It is because the vertical velocity of the COM during the double support phase is increased significantly with an increase in the trunk flexion. Therefore, we can know that the gait efficiency of the loaded gait depends on the trunk flexion angle. Also, even though the gravitational impulse and pre-collision momentum are changed by the trunk flexion variation, the after-collision momentum is almost constant regardless of the trunk flexion variation.

The Impact of Copper and Zinc Deficiency on Milk Production Performances of Intensively Grazed Dairy Cows on the North-East of Romania

The influence of copper and zinc supplements on milk production performances and health indicators was tested in a 20- week feeding trial, with 40 Holstein-Friesian lactating cows, devided in four groups (copper, zinc, copper-zinc and control). Correlations of the Cu and Zn plasma values with some animal performance criteria of health (body condition score and somatic cell counts) and production (milk yield, peak milk yield, fat and crude protein content) were done. During the 140 days of the experiment, the two added minerals caused a statistically significant increase (p < 0.05) of their plasma values after the peak of the cows’ lactations. It was also observed that subjects that have received copper and zinc supplements had the lowest number of somatic cell counts in milk. The Pearson correlation test showed a positive corellation (p = 0.007, r = + 0.851) between the plasma Zn and the milk production. The improvement of the nutritional status improved the milk production performances of the cows as well as their health performances.

Wireless Communicated Smart Wind Sensor

Development of microprocessor controlled sensor for measurement of wind speed and direction is the aim of this study. Electrical circuits and software were developed to the existing electromechanical part of the sensor TM-W2 becoming the properties of so-called smart sensor. The measured data about wind speed (sensitivity 0.01 m/s) and direction (0-360° by step 10°) are transmitted as 16-bit information. The connection between sensor and control unit is realized by radio communication (FM 433 MHz). Transition range is 220 m if used Quad type antenna. This concept provides substitution of actual cable systems by wireless ones.

Some Physiological Effects of Momordica charantia and Trigonella foenum-graecum Extracts in Diabetic Rats as Compared with Cidophage®

This study was conducted to evaluate the anti-diabetic properties of ethanolic extract of two plants commonly used in folk medicine, Mormodica charantia (bitter melon) and Trigonella foenum-graecum (fenugreek). The study was performed on STZinduced diabetic rats (DM type-I). Plant extracts of these two plants were given to STZ diabetic rats at the concentration of 500 mg/kg body weight ,50 mg/kg body weight respectively. Cidophage® (metformin HCl) were administered to another group to support the results at a dose of 500 mg/kg body weight, the ethanolic extracts and Cidophage administered orally once a day for four weeks using a stomach tube and; serum samples were obtained for biochemical analysis. The extracts caused significant decreases in glucose levels compared with diabetic control rats. Insulin secretions were increased after 4 weeks of treatment with Cidophage® compared with the control non-diabetic rats. Levels of AST and ALT liver enzymes were normalized by all treatments. Decreases in liver cholesterol, triglycerides, and LDL in diabetic rats were observed with all treatments. HDL levels were increased by the treatments in the following order: bitter melon, Cidophage®, and fenugreek. Creatinine levels were reduced by all treatments. Serum nitric oxide and malonaldehyde levels were reduced by all extracts. GSH levels were increased by all extracts. Extravasation as measured by the Evans Blue test increased significantly in STZ-induced diabetic animals. This effect was reversed by ethanolic extracts of bitter melon or fenugreek.

Building a Service-Centric Business Model in SMEs in the Business-to-Business Context

Building a service-centric business model requires new knowledge and capabilities in companies. This paper enlightens the challenges small and medium sized firms (SMEs) face when developing their service-centric business models. This paper examines the premise for knowledge transfer and capability development required. The objective of this paper is to increase knowledge about SME-s transformation to service-centric business models.This paper reports an action research based case study. The paper provides empirical evidence from three case companies. The empirical data was collected through multiple methods. The findings of the paper are: First, the developed model to analyze the current state in companies. Second, the process of building the service – centric business models. Third, the selection of suitable service development methods. The lack of a holistic understanding on service logic suggests that SMEs need practical and easy to use methods to improve their business

Computer Study of Cluster Mechanism of Anti-greenhouse Effect

Absorption spectra of infra-red (IR) radiation of the disperse water medium absorbing the most important greenhouse gases: CO2 , N2O , CH4 , C2H2 , C2H6 have been calculated by the molecular dynamics method. Loss of the absorbing ability at the formation of clusters due to a reduction of the number of centers interacting with IR radiation, results in an anti-greenhouse effect. Absorption of O3 molecules by the (H2O)50 cluster is investigated at its interaction with Cl- ions. The splitting of ozone molecule on atoms near to cluster surface was observed. Interaction of water cluster with Cl- ions causes the increase of integrated intensity of emission spectra of IR radiation, and also essential reduction of the similar characteristic of Raman spectrum. Relative integrated intensity of absorption of IR radiation for small water clusters was designed. Dependences of the quantity of weight on altitude for vapor of monomers, clusters, droplets, crystals and mass of all moisture were determined. The anti-greenhouse effect of clusters was defined as the difference of increases of average global temperature of the Earth, caused by absorption of IR radiation by free water molecules forming clusters, and absorption of clusters themselves. The greenhouse effect caused by clusters makes 0.53 K, and the antigreenhouse one is equal to 1.14 K. The increase of concentration of CO2 in the atmosphere does not always correlate with the amplification of greenhouse effect.

Indicator of Small Calcification Detection in Ultrasonography using Decorrelation of Forward Scattered Waves

For the improvement of the ability in detecting small calcifications using Ultrasonography (US) we propose a novel indicator of calcifications in an ultrasound B-mode image without decrease in frame rate. Since the waveform of an ultrasound pulse changes at a calcification position, the decorrelation of adjacent scan lines occurs behind a calcification. Therefore, we employ the decorrelation of adjacent scan lines as an indicator of a calcification. The proposed indicator depicted wires 0.05 mm in diameter at 2 cm depth with a sensitivity of 86.7% and a specificity of 100%, which were hardly detected in ultrasound B-mode images. This study shows the potential of the proposed indicator to approximate the detectable calcification size using an US device to that of an X-ray imager, implying the possibility that an US device will become a convenient, safe, and principal clinical tool for the screening of breast cancer.

Smart Cane Assisted Mobility for the Visually Impaired

An efficient reintegration of the disabled people in the family and society should be fulfilled; hence it is strongly needful to assist their diminished functions or to replace the totally lost functions. Assistive technology helps in neutralizing the impairment. Recent advancements in embedded systems have opened up a vast area of research and development for affordable and portable assistive devices for the visually impaired. Granted there are many assistive devices on the market that are able to detect obstacles, and numerous research and development currently in process to alleviate the cause, unfortunately the cost of devices, size of devices, intrusiveness and higher learning curve prevents the visually impaired from taking advantage of available devices. This project aims at the design and implementation of a detachable unit which is robust, low cost and user friendly, thus, trying to aggrandize the functionality of the existing white cane, to concede above-knee obstacle detection. The designed obstruction detector uses ultrasound sensors for detecting the obstructions before direct contact. It bestows haptic feedback to the user in accordance with the position of the obstacle.

Fast Document Segmentation Using Contourand X-Y Cut Technique

This paper describes fast and efficient method for page segmentation of document containing nonrectangular block. The segmentation is based on edge following algorithm using small window of 16 by 32 pixels. This segmentation is very fast since only border pixels of paragraph are used without scanning the whole page. Still, the segmentation may contain error if the space between them is smaller than the window used in edge following. Consequently, this paper reduce this error by first identify the missed segmentation point using direction information in edge following then, using X-Y cut at the missed segmentation point to separate the connected columns. The advantage of the proposed method is the fast identification of missed segmentation point. This methodology is faster with fewer overheads than other algorithms that need to access much more pixel of a document.

Eco-Roof Systems in Subtropical Climates for Sustainable Development and Mitigation of Climate Change

The benefits of eco-roofs is quite well known, however there remains very little research conducted for the implementation of eco-roofs in subtropical climates such as Australia. There are many challenges facing Australia as it moves into the future, climate change is proving to be one of the leading challenges. In order to move forward with the mitigation of climate change, the impacts of rapid urbanization need to be offset. Eco-roofs are one way to achieve this; this study presents the energy savings and environmental benefits of the implementation of eco-roofs in subtropical climates. An experimental set-up was installed at Rockhampton campus of Central Queensland University, where two shipping containers were converted into small offices, one with an eco-roof and one without. These were used for temperature, humidity and energy consumption data collection. In addition, a computational model was developed using Design Builder software (state-of-the-art building energy simulation software) for simulating energy consumption of shipping containers and environmental parameters, this was done to allow comparison between simulated and real world data. This study found that eco-roofs are very effective in subtropical climates and provide energy saving of about 13% which agrees well with simulated results. 

Formation and Evaluation of Lahar/HDPE Hybrid Composite as a Structural Material for Household Biogas Digester

This study was an investigation on the suitability of Lahar/HDPE composite as a primary material for low-cost smallscale biogas digesters. While sources of raw materials for biogas are abundant in the Philippines, cost of the technology has made the widespread utilization of this resource an indefinite proposition. Aside from capital economics, another problem arises with space requirements of current digester designs. These problems may be simultaneously addressed by fabricating digesters on a smaller, household scale to reach a wider market, and to use materials that may accommodate optimization of overall design and fabrication cost without sacrificing operational efficiency. This study involved actual fabrication of the Lahar/HDPE composite at varying composition and geometry, subsequent mechanical and thermal characterization, and implementation of Statistical Analysis to find intrinsic relationships between variables. From the results, Lahar/HDPE composite was found to be feasible for use as digester material from both mechanical and economic standpoints. 

A Hybrid Classification Method using Artificial Neural Network Based Decision Tree for Automatic Sleep Scoring

In this paper we propose a new classification method for automatic sleep scoring using an artificial neural network based decision tree. It attempts to treat sleep scoring progress as a series of two-class problems and solves them with a decision tree made up of a group of neural network classifiers, each of which uses a special feature set and is aimed at only one specific sleep stage in order to maximize the classification effect. A single electroencephalogram (EEG) signal is used for our analysis rather than depending on multiple biological signals, which makes greatly simplifies the data acquisition process. Experimental results demonstrate that the average epoch by epoch agreement between the visual and the proposed method in separating 30s wakefulness+S1, REM, S2 and SWS epochs was 88.83%. This study shows that the proposed method performed well in all the four stages, and can effectively limit error propagation at the same time. It could, therefore, be an efficient method for automatic sleep scoring. Additionally, since it requires only a small volume of data it could be suited to pervasive applications.

Feasibility Study on Vanillin Production from Jatropha curcas Stem Using Steam Explosion as a Pretreatment

Jatropha curcas stem was analyzed for chemical compositions: 19.11% pentosan, 42.99% alphacellulose and 24.11% lignin based on dry weight of 100-g raw material. The condition to fractionate cellulose, hemicellulose and lignin in J. curcas stem using steam explosion was optimized. The procedure started from cutting J. curcas stem into small pieces and soaked in water for overnight. After that, they were steam exploded at 214 °C and 21 kg/cm2 for 5 min. The obtained hydrolysate contained 1.55 g/L ferulic acid which after that was used as substrate for vanillin production by Aspergillus niger and Pycnoporus cinnabarinus in one-step process. The maximum 0.65 g/L of vanillin were obtained with the conversion rate of 45.2% based on the initial ferulic acid.

Microencapsulation of Ascorbic Acid by Spray Drying: Influence of Process Conditions

Ascorbic acid (AA), commonly known as vitamin C, is essential for normal functioning of the body and maintenance of metabolic integrity. Among its various roles are as an antioxidant, a cofactor in collagen formation and other reactions, as well as reducing physical stress and maintenance of the immune system. Recent collaborative research between the Australian Defence Science and Technology Organisation (DSTO) in Scottsdale, Tasmania and RMIT University has sought to overcome the problems arising from the inherent instability of ascorbic acid during processing and storage of foods. The recent work has demonstrated the potential of microencapsulation by spray drying as a means to enhance retention. The purpose of this current study has been focused upon the influence of spray drying conditions on the properties of encapsulated ascorbic acid. The process was carried out according to a central composite design. Independent variables were: inlet temperature (80-120° C) and feed flow rate (7-14 mL/minute). Process yield, ascorbic acid loss, moisture content, water activity and particle size distribution were analysed as responses. The results have demonstrated the potential of microencapsulation by spray drying as a means to enhance retention. Vitamin retention, moisture content, water activity and process yield were influenced positively by inlet air temperature and negatively by feed flow rate.