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: One of the most important challenging factors in
medical images is nominated as noise. Image denoising refers to the
improvement of a digital medical image that has been infected by
Additive White Gaussian Noise (AWGN). The digital medical image
or video can be affected by different types of noises. They are
impulse noise, Poisson noise and AWGN. Computed tomography
(CT) images are subjects to low quality due to the noise. Quality of
CT images is dependent on absorbed dose to patients directly in such
a way that increase in absorbed radiation, consequently absorbed
dose to patients (ADP), enhances the CT images quality. In this
manner, noise reduction techniques on purpose of images quality
enhancement exposing no excess radiation to patients is one the
challenging problems for CT images processing. In this work, noise
reduction in CT images was performed using two different
directional 2 dimensional (2D) transformations; i.e., Curvelet and
Contourlet and Discrete Wavelet Transform (DWT) thresholding
methods of BayesShrink and AdaptShrink, compared to each other
and we proposed a new threshold in wavelet domain for not only
noise reduction but also edge retaining, consequently the proposed
method retains the modified coefficients significantly that result good
visual quality. Data evaluations were accomplished by using two
criterions; namely, peak signal to noise ratio (PSNR) and Structure
similarity (Ssim).
Abstract: E-retailing is the sale of goods online that takes place
over the Internet. The Internet has shrunk the entire World. World eretailing
is growing at an exponential rate in the Americas, Europe
and Asia. However, e-retailing costs require expensive investment,
such as hardware, software, and security systems. Cloud computing
technology is internet-based computing for the management and
delivery of applications and services. Cloud-based e-retailing
application models allow enterprises to lower their costs with their
effective implementation of e-retailing activities. In this paper, we
describe the concept of cloud computing and present the architecture
of cloud computing, combining the features of e-retailing. In
addition, we propose a strategy for implementing cloud computing
with e-retailing. Finally, we explain the benefits from the
architecture.
Abstract: In this study, failure analysis of pipe system at a micro
hydroelectric power plant is investigated. Failure occurred at the pipe
system in the powerhouse during shut down operation of the water
flow by a valve. This locking had caused a sudden shock wave, also
called “Water-hammer effect”, resulting in noise and inside pressure
increase. After visual investigation of the effect of the shock wave on
the system, a circumference crack was observed at the pipe flange
weld region. To establish the reason for crack formation, calculations
of pressure and stress values at pipe, flange and welding seams were
carried out and concluded that safety factor was high (2.2), indicating
that no faulty design existed. By further analysis, pipe system and
hydroelectric power plant was examined. After observations it is
determined that the plant did not include a ventilation nozzle (air
trap), that prevents the system of sudden pressure increase inside the
pipes which is caused by water-hammer effect. Analyses were carried
out to identify the influence of water-hammer effect on inside
pressure increase and it was concluded that, according Jowkowsky’s
equation, shut down time is effective on inside pressure increase. The
valve closing time was uncertain but by a shut down time of even one
minute, inside pressure would increase by 7.6 bar (working pressure
was 34.6 bar). Detailed investigations were also carried out on the
assembly of the pipe-flange system by considering technical
drawings. It was concluded that the pipe-flange system was not
installed according to the instructions. Two of five weld seams were
not applied and one weld was carried out faulty. This incorrect and
inadequate weld seams resulted in; insufficient connection of the pipe
to the flange constituting a strong notch effect at weld seam regions,
increase in stress values and the decrease of strength and safety
factor.
Abstract: This paper is aimed to study combustion characteristics
of low NOx burner using petroleum cokes as fuel. The petroleum coke,
which is produced through the oil refining process, is an attractive fuel
in terms of its high heating value and low price. But petroleum coke is
a challenging fuel because of its low volatile content, high sulfur and
nitrogen content, which give rise to undesirable emission
characteristics and low ignitability. Therefore, the research and
development regarding the petroleum coke burner is needed for
applying this industrial system. In this study, combustion and emission
characteristics of petroleum cokes burner are experimentally
investigated in an industrial steam boiler. The low NOx burner is
designed to control fuel and air mixing to achieve staged combustion,
which, in turn reduces both flame temperature and oxygen. Air
distribution ratio of triple staged air is optimized experimentally. The
result showed that NOx concentration is lowest when overfire air is
used, and the burner function at a fuel rich condition. That is, the
burner is operated at the equivalence ratio of 1.67 and overall
equivalence ratio including overfire air is kept 0.87.
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 some applications, such as image recognition or
compression, segmentation refers to the process of partitioning a
digital image into multiple segments. Image segmentation is typically
used to locate objects and boundaries (lines, curves, etc.) in images.
Image segmentation is to classify or cluster an image into several
parts (regions) according to the feature of image, for example, the
pixel value or the frequency response. More precisely, image
segmentation is the process of assigning a label to every pixel in an
image such that pixels with the same label share certain visual
characteristics. The result of image segmentation is a set of segments
that collectively cover the entire image, or a set of contours extracted
from the image. Several image segmentation algorithms were
proposed to segment an image before recognition or compression. Up
to now, many image segmentation algorithms exist and be
extensively applied in science and daily life. According to their
segmentation method, we can approximately categorize them into
region-based segmentation, data clustering, and edge-base
segmentation. In this paper, we give a study of several popular image
segmentation algorithms that are available.
Abstract: Groundwater is vital to the livelihoods and health of the majority of the people, since it provides almost the entire water resource for domestic, agricultural and industrial uses. Groundwater quality comprises the physical, chemical and bacteriological qualities. The present investigation was carried out to determine the physicochemical and bacteriological quality of the ground water sources in the residential areas of Karakulam Grama Panchayath in Thiruvananthapuram district, Kerala state in India. Karakulam is located in the eastern suburbs of Thiruvananthapuram city. The major drinking water source of the residents in the study area is wells. The present study aims to assess the portability and irrigational suitability of groundwater in the study area. The water samples were collected from randomly selected dug wells and bore wells in the study area during post monsoon and pre monsoon seasons of the year 2014 after a preliminary field survey. The physical, chemical and bacteriological parameters of the water samples were analyzed following standard procedures. The concentration of heavy metals (Cd, Pb and Mn) in the acid digested water samples were determined by using an Atomic Absorption Spectrophotometer. The results showed that the pH of well water samples ranged from acidic to alkaline level. In majority of well water samples (>54 %) the iron and magnesium content were found high in both the seasons studied, and the values were above the permissible limits of WHO drinking water quality standards. Bacteriological analyses showed that 63% of the wells were contaminated with total coliforms in both the seasons studied. Irrigational suitability of groundwater was assessed by determining the chemical indices like Sodium Percentage (%Na), Sodium Adsorption Ratio (SAR), Residual Sodium Carbonate (RSC), Permeability Index (PI), and the results indicate that the well water in the study area are good for irrigation purposes. Therefore, the study reveals the degradation of drinking water quality groundwater sources in Karakulam Grama Panchayath in Thiruvananthapuram District, Keralain terms of its chemical and bacteriological characteristics, and is not potable without proper treatment. In the study, more than 1/3rdof the well water samples tested were positive for total coliforms, and the bacterial contamination may pose threat to public health. The study recommends the need for periodic well water quality monitoring in the study area and to conduct awareness programs among the residents.
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: The paper identifies the features of Polish sports clubs
in the particular organizational forms: profit and nonprofit.
Identification and description of these features is carried out in terms
of financial efficiency of the given organizational form. Under the
terms of the efficiency the research allows you to specify the
advantages of particular organizational sports club form and the
following limitations. Paper considers features of sports clubs in
range of Polish conditions as legal regulations. The sources of the
functioning efficiency of sports clubs may lie in the organizational
forms in which they operate. Each of the available forms can be
considered either a for-profit or nonprofit enterprise. Depending on
this classification there are different capabilities of increasing
organizational and financial efficiency of a given sports club. Authors
start with general classification and difference between for-profit and
non-profit sport clubs. Next identifies specific financial and
organizational conditions of both organizational form and then show
examples of mixed activity forms and their efficiency effect.
Abstract: Anammox is a novel and promising technology that has changed the traditional concept of biological nitrogen removal. The process facilitates direct oxidation of ammonical nitrogen under anaerobic conditions with nitrite as an electron acceptor without addition of external carbon sources. The present study investigated the feasibility of Anammox Hybrid Reactor (AHR) combining the dual advantages of suspended and attached growth media for biodegradation of ammonical nitrogen in wastewater. Experimental unit consisted of 4 nos. of 5L capacity AHR inoculated with mixed seed culture containing anoxic and activated sludge (1:1). The process was established by feeding the reactors with synthetic wastewater containing NH4-H and NO2-N in the ratio 1:1 at HRT (hydraulic retention time) of 1 day. The reactors were gradually acclimated to higher ammonium concentration till it attained pseudo steady state removal at a total nitrogen concentration of 1200 mg/l. During this period, the performance of the AHR was monitored at twelve different HRTs varying from 0.25-3.0 d with increasing NLR from 0.4 to 4.8 kg N/m3d. AHR demonstrated significantly higher nitrogen removal (95.1%) at optimal HRT of 1 day. Filter media in AHR contributed an additional 27.2% ammonium removal in addition to 72% reduction in the sludge washout rate. This may be attributed to the functional mechanism of filter media which acts as a mechanical sieve and reduces the sludge washout rate many folds. This enhances the biomass retention capacity of the reactor by 25%, which is the key parameter for successful operation of high rate bioreactors. The effluent nitrate concentration, which is one of the bottlenecks of anammox process was also minimised significantly (42.3-52.3 mg/L). Process kinetics was evaluated using first order and Grau-second order models. The first-order substrate removal rate constant was found as 13.0 d-1. Model validation revealed that Grau second order model was more precise and predicted effluent nitrogen concentration with least error (1.84±10%). A new mathematical model based on mass balance was developed to predict N2 gas in AHR. The mass balance model derived from total nitrogen dictated significantly higher correlation (R2=0.986) and predicted N2 gas with least error of precision (0.12±8.49%). SEM study of biomass indicated the presence of heterogeneous population of cocci and rod shaped bacteria of average diameter varying from 1.2-1.5 mm. Owing to enhanced NRE coupled with meagre production of effluent nitrate and its ability to retain high biomass, AHR proved to be the most competitive reactor configuration for dealing with nitrogen laden wastewater.
Abstract: Objective: Sharing devastating news with patients is
often considered the most difficult task of doctors. This study aimed
to explore patients’ perceptions of receiving bad news including
which features improve the experience and which areas need refining. Methods: A questionnaire was written based on the steps of the
SPIKES model for breaking bad new. 20 patients receiving treatment
for a hematological malignancy completed the questionnaire. Results: Overall, the results are promising as most patients praised
their consultation. ‘Poor’ was more commonly rated by women and
participants aged 45-64. The main differences between the ‘excellent’
and ‘poor’ consultations include the doctor’s sensitivity and checking
the patients’ understanding. Only 35% of patients were asked their
existing knowledge and 85% of consultations failed to discuss the
impact of the diagnosis on daily life. Conclusion: This study agreed with the consensus of existing
literature. The commended aspects include consultation set-up and
information given. Areas patients felt needed improvement include
doctors determining the patient’s existing knowledge and checking
new information has been understood. Doctors should also explore
how the diagnosis will affect the patient’s life. With a poorer
prognosis, doctors should work on conveying appropriate hope. The
study was limited by a small sample size and potential recall bias.
Abstract: Leishmaniasis is the collective name for a number of
diseases caused by protozoan flagellates of the genus Leishmania,
which is transmitted by Phlebotomine sandfly, the disease has diverse
clinical manifestations and found in many areas of the world,
particularly in Africa, Latin America, South and Central Asia, the
Mediterranean basin and the Middle East. This study was done to
assess primary health care physicians’ knowledge (PHP) and attitude
about leishmaniasis and to assess awareness of local inhabitants
about the disease and its vector in four areas in west Alexandria,
Egypt. It is a cross sectional survey that was conducted in four PHC
units in west Alexandria. All physicians currently working in these
units during the study period were invited to participate in the study;
only 20 PHP completed the questionnaire. 60 local inhabitants were
selected randomly from the four areas of the study, 15 from each
area; Data was collected through two different specially designed
questionnaires. Results showed that 11 (55%) percent of the
physicians had satisfactory knowledge; they answered more than 9
(60%) questions out of a total 14 questions about leishmaniasis and
sandfly. On the other hand when attitude of the primary health care
physicians about leishmaniasis was measured, results showed that 17
(85%) had good attitude and 3 (15%) had poor attitude. The second
questionnaire showed that the awareness of local inhabitants about
leishmaniasis and sandfly as a vector of the disease is poor and needs
to be corrected. (90%) of the interviewed inhabitants had not heard
about leishmaniasis, Only 3 (5%) of them said they know sandfly and
its role in transmission of leishmaniasis. Thus we conclude that
knowledge and attitudes of physicians are acceptable. However, there
is, room for improvement and could be done through formal training
courses and distribution of guidelines. In addition to raising the
awareness of primary health care physicians about the importance of
early detection and notification of cases of leishmaniasis, health
education for raising awareness of the public regarding the vector and
the disease is necessary because related studies have demonstrated
that for inhabitants to take enough protective measures against the
vector, they should perceive that it is responsible for causing a
disease.
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: It is the patient compliance and stability in
combination with controlled drug delivery and biocompatibility that
forms the core feature in present research and development of
sustained biodegradable patch formulation intended for wound
healing. The aim was to impart sustained degradation, sterile
formulation, significant folding endurance, elasticity,
biodegradability, bio-acceptability and strength. The optimized
formulation comprised of polymers including Hydroxypropyl methyl
cellulose, Ethylcellulose, and Gelatin, and Citric Acid PEG Citric
acid (CPEGC) triblock dendrimers and active Curcumin. Polymeric
mixture dissolved in geometric order in suitable medium through
continuous stirring under ambient conditions. With continued stirring
Curcumin was added with aid of DCM and Methanol in optimized
ratio to get homogenous dispersion. The dispersion was sonicated
with optimum frequency and for given time and later casted to form a
patch form. All steps were carried out under strict aseptic conditions.
The formulations obtained in the acceptable working range were
decided based on thickness, uniformity of drug content, smooth
texture and flexibility and brittleness. The patch kept on stability
using butter paper in sterile pack displayed folding endurance in
range of 20 to 23 times without any evidence of crack in an
optimized formulation at room temperature (RT) (24 ± 2°C). The
patch displayed acceptable parameters after stability study conducted
in refrigerated conditions (8±0.2°C) and at RT (24 ± 2°C) up to 90
days. Further, no significant changes were observed in critical
parameters such as elasticity, biodegradability, drug release and drug
content during stability study conducted at RT 24±2°C for 45 and 90
days. The drug content was in range 95 to 102%, moisture content
didn’t exceeded 19.2% and patch passed the content uniformity test.
Percentage cumulative drug release was found to be 80% in 12h and
matched the biodegradation rate as drug release with correlation
factor R2>0.9. The biodegradable patch based formulation developed
shows promising results in terms of stability and release profiles.
Abstract: The present research investigated whether gender
differences affect performance in a simple math quiz in statistics
course. Participants of this study comprised a sample of 567 statistics
students in two different universities in Lebanon. Data were collected
through a simple math quiz. Analysis of quantitative data indicated
that there wasn’t a significant difference in math performance
between males and females. The results suggest that improvements in
student performance may depend on improved mastery of basic
algebra especially for females. The implications of these findings and
further recommendations were discussed.
Abstract: The research aims to study the association between
job satisfaction, motivation and the five factors of organizational
citizenship behavior (i.e. Altruism, Conscientiousness,
Sportsmanship, Courtesy and Civic virtue) among Public Sector
Employees in Pakistan. In this research Structure Equation Modeling
with confirmatory factor analysis was used to test the relationship
between two independent and five dependent variables. Data was
collected through questionnaire survey from 152 Public Servants
Working in Gujrat District-Pakistan in different capacities. Stratified
Random Sampling Technique was used to conduct this survey. The
results of the study indicate that five factors of OCB have positive
significant relation with both motivation and job satisfaction except
the relationship of Civic Virtue with Motivation. The research
findings implicate that factors other than motivation and job
satisfaction may also affect OCB. Likewise, all the five factors of
OCB may not be present in all populations. Thus, Managers must
concentrate on increasing motivation and job satisfaction to increase
OCB. Furthermore, the present research gives a direction to future
researchers to use more independent variables (e.g. Culture,
leadership, workplace environment, various job attitudes, types of
motivation, etc.) on different types of populations with larger sample
size in order to find the reasons behind insignificant relationship of
civic virtue with Motivation in the research in hand and to generalize
the tested model.
Abstract: Numerous investigations suggest that Mesenchymal
Stem Cells (MSCs) in general represent a valuable tool for therapy of
symptoms related to chronic inflammatory diseases. Blue Horizon
Stem Cell Therapy Program is a leading provider of adult and
children’s stem cell therapies. Uniquely we have safely and
efficiently treated more than 600 patients with documenting each
procedure. The purpose of our study is primarily to monitor the
immune response in order to validate the safety of intravenous
infusion of human umbilical cord blood derived MSCs (UC-MSCs),
and secondly, to evaluate effects on biomarkers associated with
chronic inflammation. Nine patients were treated for conditions
associated with chronic inflammation and for the purpose of antiaging.
They have been given one intravenous infusion of UCMSCs.
Our study of blood test markers of 9 patients with chronic
inflammation before and within three months after MSCs treatment
demonstrates that there is no significant changes and MSCs treatment
was safe for the patients. Analysis of different indicators of chronic
inflammation and aging included in initial, 24-hours, two weeks and
three months protocols showed that stem cell treatment was safe for
the patients; there were no adverse reactions. Moreover data from
follow up protocols demonstrates significant improvement in energy
level, hair, nails growth and skin conditions. Intravenously
administered UC-MSCs were safe and effective in the improvement
of symptoms related to chronic inflammation. Further close
monitoring and inclusion of more patients are necessary to fully
characterize the advantages of UC-MSCs application in treatment of
symptoms related to chronic inflammation.
Abstract: In this paper we present a classification of the various technologies applied for the solution of the portfolio selection problem according to the discipline and the methodological framework followed. We provide a concise presentation of the emerged categories and we are trying to identify which methods considered obsolete and which lie at the heart of the debate. On top of that, we provide a comparative study of the different technologies applied for efficient portfolio construction and we suggest potential paths for future work that lie at the intersection of the presented techniques.