Abstract: Commercial banks in Nigeria adopted many strategies
to attract fresh deposits including the use of high deposit rate.
However, pricing of banking services moved in favor of the banks at
the expense of customers, resulting in their seeking other investment
alternatives rather than saving their money in the bank. Both deposit
and lending rates were greatly influenced by the Central Bank of
Nigeria (CBN) decision on interest rate. Therefore, commercial bank
effort to attract deposits via manipulation of her rates was greatly
limited, otherwise the banks will be giving out more than it earned.
The study aimed at examining the relationship between interest rate
and fixed fund deposit of commercial banks, how policy-controlled
interest rate affected commercial bank’s fixed fund deposit The
researcher employed ordinary least square technique, using, multiple
linear regression, unrestricted vector auto-regression, correlation
matrix test, granger causality and impulse response graph in the
analysis. Commercial bank’s interest rates affected commercial
bank’s fixed fund deposit significantly while policy-controlled
interest rate did not significantly transmit through the commercial
bank’s interest rates to affect fixed fund deposit. While commercial
banks seek creative ways to expand their fixed fund deposit, policy
authorities in Nigeria should better coordinate interest rate fluctuation
and induce competition in the entire financial sector.
Abstract: One of the most critical decision points in the design of a
face recognition system is the choice of an appropriate face representation.
Effective feature descriptors are expected to convey sufficient, invariant
and non-redundant facial information. In this work we propose a set of
Hahn moments as a new approach for feature description. Hahn moments
have been widely used in image analysis due to their invariance, nonredundancy
and the ability to extract features either globally and locally.
To assess the applicability of Hahn moments to Face Recognition we
conduct two experiments on the Olivetti Research Laboratory (ORL)
database and University of Notre-Dame (UND) X1 biometric collection.
Fusion of the global features along with the features from local facial
regions are used as an input for the conventional k-NN classifier. The
method reaches an accuracy of 93% of correctly recognized subjects for
the ORL database and 94% for the UND database.
Abstract: The disposal and the treatment of sewage sludge is an
expensive and environmentally complex problem. In this work, a
lipopeptide biosurfactant extracted from corn steep liquor was used
as ecofriendly and cost-competitive alternative for the mobilization
and bioremediation of fluorene in sewage sludge. Results have
demonstrated that this biosurfactant has the capability to mobilize
fluorene to the aqueous phase, reducing the amount of fluorene in the
sewage sludge from 484.4 mg/Kg up to 413.7 mg/Kg and 196.0
mg/Kg after 1 and 27 days respectively. Furthermore, once the
fluorene was extracted the lipopeptide biosurfactant contained in the
aqueous phase allowed the biodegradation, up to 40.5% of the initial
concentration of this polycyclic aromatic hydrocarbon.
Abstract: This study integrates a larger research empirical
project that examines second language (SL) learners’ profiles and
valid procedures to perform complete and diagnostic assessment in
schools. 102 learners of Portuguese as a SL aged 7 and 17 years
speakers of distinct home languages were assessed in several
linguistic tasks. In this article, we focused on writing performance in
the specific task of narrative essay composition. The written outputs
were measured using the score in six components adapted from an
English SL assessment context (Alberta Education): linguistic
vocabulary, grammar, syntax, strategy, socio-linguistic, and
discourse. The writing processes and strategies in Portuguese
language used by different immigrant students were analysed to
determine features and diversity of deficits on authentic texts
performed by SL writers. Differentiated performance was based on
the diversity of the following variables: grades, previous schooling,
home language, instruction in first language, and exposure to
Portuguese as Second Language. Indo-Aryan languages speakers
showed low writing scores compared to their peers and the type of
language and respective cognitive mapping (such as Mandarin and
Arabic) was the predictor, not linguistic distance. Home language
instruction should also be prominently considered in further research
to understand specificities of cognitive academic profile in a
Romance languages learning context. Additionally, this study also
examined the teachers’ representations that will be here addressed to
understand educational implications of second language teaching in
psychological distress of different minorities in schools of specific
host countries.
Abstract: Conductivity properties of DNA molecule is
investigated in a simple, but chemically specific approach that is
intimately related to the Su-Schrieffer-Heeger (SSH) model. This
model is a tight-binding linear nanoscale chain. We have tried to
study the electrical current flowing in DNA and investigated the
characteristic I-V diagram. As a result, It is shown that there are the
(quasi-) ohmic areas in I-V diagram. On the other hand, the regions
with a negative differential resistance (NDR) are detectable in
diagram.
Abstract: Speaker Identification (SI) is the task of establishing
identity of an individual based on his/her voice characteristics. The SI
task is typically achieved by two-stage signal processing: training and
testing. The training process calculates speaker specific feature
parameters from the speech and generates speaker models
accordingly. In the testing phase, speech samples from unknown
speakers are compared with the models and classified. Even though
performance of speaker identification systems has improved due to
recent advances in speech processing techniques, there is still need of
improvement. In this paper, a Closed-Set Tex-Independent Speaker
Identification System (CISI) based on a Multiple Classifier System
(MCS) is proposed, using Mel Frequency Cepstrum Coefficient
(MFCC) as feature extraction and suitable combination of vector
quantization (VQ) and Gaussian Mixture Model (GMM) together
with Expectation Maximization algorithm (EM) for speaker
modeling. The use of Voice Activity Detector (VAD) with a hybrid
approach based on Short Time Energy (STE) and Statistical
Modeling of Background Noise in the pre-processing step of the
feature extraction yields a better and more robust automatic speaker
identification system. Also investigation of Linde-Buzo-Gray (LBG)
clustering algorithm for initialization of GMM, for estimating the
underlying parameters, in the EM step improved the convergence rate
and systems performance. It also uses relative index as confidence
measures in case of contradiction in identification process by GMM
and VQ as well. Simulation results carried out on voxforge.org
speech database using MATLAB highlight the efficacy of the
proposed method compared to earlier work.
Abstract: This paper deals with nonlinear vibration analysis
using finite element method for frame structures consisting of elastic
and viscoelastic damping layers supported by multiple nonlinear
concentrated springs with hysteresis damping. The frame is supported
by four nonlinear concentrated springs near the four corners. The
restoring forces of the springs have cubic non-linearity and linear
component of the nonlinear springs has complex quantity to represent
linear hysteresis damping. The damping layer of the frame structures
has complex modulus of elasticity. Further, the discretized equations in
physical coordinate are transformed into the nonlinear ordinary
coupled differential equations using normal coordinate corresponding
to linear natural modes. Comparing shares of strain energy of the
elastic frame, the damping layer and the springs, we evaluate the
influences of the damping couplings on the linear and nonlinear impact
responses. We also investigate influences of damping changed by
stiffness of the elastic frame on the nonlinear coupling in the damped
impact responses.
Abstract: Work presented is interested in the characterization of
the quasistatic mechanical properties and in fatigue of a composite
laminated in jute/epoxy. The natural fibers offer promising prospects
thanks to their interesting specific properties, because of their low
density, but also with their bio-deterioration. Several scientific
studies highlighted the good mechanical resistance of the vegetable
fiber composites reinforced, even after several recycling. Because of
the environmental standards that become increasingly severe, one
attends the emergence of eco-materials at the base of natural fibers
such as flax, bamboo, hemp, sisal, jute. The fatigue tests on
elementary vegetable fibers show an increase of about 60% of the
rigidity of elementary fibers of hemp subjected to cyclic loadings. In
this study, the test-tubes manufactured by the method infusion have
sequences of stacking of 0/90° and ± 45° for the shearing and tensile
tests. The quasistatic tests reveal a variability of the mechanical
properties of about 8%. The tensile fatigue tests were carried out for
levels of constraints equivalent to half of the ultimate values of the
composite. Once the fatigue tests carried out for well-defined values
of cycles, a series of static tests of traction type highlights the
influence of the number of cycles on the quasi-static mechanical
behavior of the laminate jute/epoxy.
Abstract: A large amount of software products offer a wide
range and number of features. This is called featuritis or creeping
featurism and tends to rise with each release of the product. Feautiris
often adds unnecessary complexity to software, leading to longer
learning curves and overall confusing the users and degrading their
experience. We take a look to a new design approach tendency that
has been coming up, the so-called “What You Get is What You
Need” concept that argues that products should be very focused,
simple and with minimalistic interfaces in order to help users conduct
their tasks in distraction-free ambiences. This isn’t as simple to
implement as it might sound and the developers need to cut down
features. Our contribution illustrates and evaluates this design method
through a novel distraction-free diagramming tool named Delineato
Pro for Mac OS X in which the user is confronted with an empty
canvas when launching the software and where tools only show up
when really needed.
Abstract: Barley (Hordeum vulgare L.), vetch (Vicia villosa),
and grass pea (Lathyrus sativus L.) monocultures as well as mixtures
of barley with each of the above legumes, in three seeding ratios (i.e.,
barley: legume 75:25, 50:50 and 25:75, based on seed numbers) were
used to investigated forage yield and competition indices. The results
showed that intercropping reduced the dry matter yield of the three
component plants, compared with their respective monocrops. The
greatest value of total dry matter yield was obtained from barley25-
grasspea75 (5.44 t ha-1) mixture, followed by grass pea sole crop (4.99
t ha-1). The total actual yield loss (AYL) values were positive and
greater than 0 in all mixtures, indicating an advantage from
intercropping over sole crops. Intercropped barley had a higher
relative crowding coefficient (K=1.64) than intercropped legumes
(K=1.20), indicating that barley was more competitive than legumes
in mixtures. Furthermore, grass pea was more competitive than vetch
in mixtures with barley. The highest land equivalent ratio (LER),
system productivity index (SPI) and monetary advantage index
(MAI) were obtained when barley was mixed at a rate of 25% with
75% seed rate of grass pea. It is concluded that intercropping of
barley with grass pea has a good potential to improve the
performance of forage with high land-use efficiency.
Abstract: Steel slag is a by-product of the steel industry and can
be used potentially as aggregate in the asphalt mixture. This study
evaluates the use of Steel Slag Aggregates (SSA) as a substitute for
natural aggregates in the production of hot mix asphalt (HMA) for
road construction. Based on intensive laboratory testing program, the
characteristic properties of SSA were assessed to determine its
suitability to be used in HMA. Four different percentages (0, 50, 75,
and 100%) of SSA were used, and the proposed mix designs for
HMA were conducted in accordance with Marshall mix design. The
experiment results revealed that the addition of SSA has a significant
improvement on the properties of HMA. An increase in density and
stability and a reduction in flow and air voids values were clearly
observed in specimens prepared with 100% SSA. It is concluded that
the steel slag can be considered reasonable alternative source of
aggregate for concrete asphalt mixture production.
Abstract: A solar dish collector has been designed, fabricated
and tested for its performance on 10-03-2015 in Salem, Tamilnadu,
India. The experiments on cooking vessels of coated and un-coated
with 5 Liters capacity have been used for cooking Rice. The results
are shown in graphs. The solar cooker is always capable of cooking
food within the expected length of time and based on the solar
radiation levels. With minimum cooking power, the coated pressure
cooker of 5 Liters capacity cooks the food at faster manner. This is
due to the conductivity of the coating material provided in the cooker.
Abstract: Over the past few years, a lot of research has been
conducted to bring Automatic Speech Recognition (ASR) into various
areas of Air Traffic Control (ATC), such as air traffic control
simulation and training, monitoring live operators for with the aim
of safety improvements, air traffic controller workload measurement
and conducting analysis on large quantities controller-pilot speech.
Due to the high accuracy requirements of the ATC context and its
unique challenges, automatic speech recognition has not been widely
adopted in this field. With the aim of providing a good starting
point for researchers who are interested bringing automatic speech
recognition into ATC, this paper gives an overview of possibilities
and challenges of applying automatic speech recognition in air traffic
control. To provide this overview, we present an updated literature
review of speech recognition technologies in general, as well as
specific approaches relevant to the ATC context. Based on this
literature review, criteria for selecting speech recognition approaches
for the ATC domain are presented, and remaining challenges and
possible solutions are discussed.
Abstract: In this paper, the problem of stability and stabilization
for neutral delay-differential systems with infinite delay is
investigated. Using Lyapunov method, new delay-independent
sufficient condition for the stability of neutral systems with infinite
delay is obtained in terms of linear matrix inequality (LMI).
Memory-less state feedback controllers are then designed for the
stabilization of the system using the feasible solution of the resulting
LMI, which are easily solved using any optimization algorithms.
Numerical examples are given to illustrate the results of the proposed
methods.
Abstract: The use of Flexible AC Transmission System
(FACTS) devices in a power system can potentially overcome
limitations of the present mechanically controlled transmission
system. Also, the advance of technology makes possible to include
new energy storage devices in the electrical power system. The
integration of Superconducting Magnetic Energy Storage (SMES)
into Static Synchronous Compensator (STATCOM) can lead to
increase their flexibility in improvement of power system dynamic
behaviour by exchanging both active and reactive powers with power
grids. This paper describes structure and behaviour of SMES,
specifications and performance principles of the STATCOM/SMES
compensator. Moreover, the benefits and effectiveness of integrated
SMES with STATCOM in power systems is presented. Also, the
performance of the STATCOM/SMES compensator is evaluated
using an IEEE 3-bus system through the dynamic simulation by
PSCAD/EMTDC software.
Abstract: High frequency automotive interior noise above 500
Hz considerably affects automotive passenger comfort. To reduce this
noise, sound insulation material is often laminated on body panels or
interior trim panels. For a more effective noise reduction, the sound
reduction properties of this laminated structure need to be estimated.
We have developed a new calculate tool that can roughly calculate the
sound absorption and insulation properties of laminate structure and
handy for designers. In this report, the outline of this tool and an
analysis example applied to floor mat are introduced.
Abstract: This research paper presents guiding on how to design
social media into higher education courses. The research
methodology used a survey approach. The research instrument was a
questionnaire about guiding on how to design social media into
higher education courses. Thirty-one lecturers completed the
questionnaire. The data were scored by frequency and percentage.
The research results were the lecturers’ opinions concerning the
designing social media into higher education courses as follows: 1)
Lecturers deem that the most suitable learning theory is Collaborative
Learning. 2) Lecturers consider that the most important learning and
innovation Skill in the 21st century is communication and
collaboration skills. 3) Lecturers think that the most suitable
evaluation technique is authentic assessment. 4) Lecturers consider
that the most appropriate portion used as blended learning should be
70% in the classroom setting and 30% online.
Abstract: This paper discusses the propagation of sound waves in
air, specifically in narrow rectangular pathways of an occluded-ear
simulator for acoustic measurements. In narrow pathways, both the
speed of sound and the phase of the sound waves are affected by the
damping of the air viscosity. Herein, we propose a new finite-element
method (FEM) that considers the effects of the air viscosity. The
method was developed as an extension of existing FEMs for porous,
sound-absorbing materials. The results of a numerical calculation for a
three-dimensional ear-simulator model using the proposed FEM were
validated by comparing with theoretical lumped-parameter modeling
analysis and standard values.
Abstract: In this paper, we report the development of the device
for diagnostics of cardiovascular system state and associated
automated workstation for large-scale medical measurement data
collection and analysis. It was shown that optimal design for the
monitoring device is wristband as it represents engineering trade-off
between accuracy and usability. Monitoring device is based on the
infrared reflective photoplethysmographic sensor, which allows
collecting multiple physiological parameters, such as heart rate and
pulsing wave characteristics. Developed device uses BLE interface
for medical and supplementary data transmission to the coupled
mobile phone, which processes it and send it to the doctor's
automated workstation. Results of this experimental model
approbation confirmed the applicability of the proposed approach.
Abstract: In order to obtain efficient pollutants removal in
small-scale wastewater treatment plants, uniform water flow has to be
achieved. The experimental setup, designed for treating high-load
wastewater (leachate), consists of two aerobic biological reactors and
a lamellar settler. Both biological tanks were aerated by using three
different types of aeration systems - perforated pipes, membrane air
diffusers and tube ceramic diffusers. The possibility of homogenizing
the water mass with each of the air diffusion systems was evaluated
comparatively. The oxygen concentration was determined by optical
sensors with data logging. The experimental data was analyzed
comparatively for all three different air dispersion systems aiming to
identify the oxygen concentration variation during different
operational conditions. The Oxygenation Capacity was calculated for
each of the three systems and used as performance and selection
parameter. The global mass transfer coefficients were also evaluated
as important tools in designing the aeration system. Even though
using the tubular porous diffusers leads to higher oxygen
concentration compared to the perforated pipe system (which
provides medium-sized bubbles in the aqueous solution), it doesn’t
achieve the threshold limit of 80% oxygen saturation in less than 30
minutes. The study has shown that the optimal solution for the
studied configuration was the radial air diffusers which ensure an
oxygen saturation of 80% in 20 minutes. An increment of the values
was identified when the air flow was increased.