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: 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: 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: 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: In this article, we deal with a variant of the classical
course timetabling problem that has a practical application in many
areas of education. In particular, in this paper we are interested in
high schools remedial courses. The purpose of such courses is to
provide under-prepared students with the skills necessary to succeed
in their studies. In particular, a student might be under prepared in
an entire course, or only in a part of it. The limited availability
of funds, as well as the limited amount of time and teachers at
disposal, often requires schools to choose which courses and/or which
teaching units to activate. Thus, schools need to model the training
offer and the related timetabling, with the goal of ensuring the
highest possible teaching quality, by meeting the above-mentioned
financial, time and resources constraints. Moreover, there are some
prerequisites between the teaching units that must be satisfied. We
first present a Mixed-Integer Programming (MIP) model to solve
this problem to optimality. However, the presence of many peculiar
constraints contributes inevitably in increasing the complexity of
the mathematical model. Thus, solving it through a general-purpose
solver may be performed for small instances only, while solving
real-life-sized instances of such model requires specific techniques
or heuristic approaches. For this purpose, we also propose a heuristic
approach, in which we make use of a fast constructive procedure
to obtain a feasible solution. To assess our exact and heuristic
approaches we perform extensive computational results on both
real-life instances (obtained from a high school in Lecce, Italy) and
randomly generated instances. Our tests show that the MIP model is
never solved to optimality, with an average optimality gap of 57%.
On the other hand, the heuristic algorithm is much faster (in about the
50% of the considered instances it converges in approximately half of
the time limit) and in many cases allows achieving an improvement
on the objective function value obtained by the MIP model. Such an
improvement ranges between 18% and 66%.
Abstract: The possibility of application the dietary fibers in
production of crackers was observed in this work, as well as their
influence on rheological and textural properties on the dough for
crackers and influence on sensory properties of obtained crackers.
Three different dietary fibers, oat, potato and pea fibers, replaced
10% of wheat flour. Long fermentation process and baking test
method were used for crackers production. The changes of dough for
crackers were observed by rheological methods of determination the
viscoelastic dough properties and by textural measurements. Sensory
quality of obtained crackers was described using quantity descriptive
method (QDA) by trained members of descriptive panel. Additional
analysis of crackers surface was performed by videometer. Based on
rheological determination, viscoelastic properties of dough for
crackers were reduced by application of dietary fibers. Manipulation
of dough with 10% of potato fiber was disabled, thus the recipe
modification included increase in water content at 35%. Dough
compliance to constant stress for samples with dietary fibers
decreased, due to more rigid and stiffer dough consistency compared
to control sample. Also, hardness of dough for these samples
increased and dough extensibility decreased. Sensory properties of
final products, crackers, were reduced compared to control sample.
Application of dietary fibers affected mostly hardness, structure and
crispness of the crackers. Observed crackers were low marked for
flavor and taste, due to influence of fibers specific aroma. The sample
with 10% of potato fibers and increased water content was the most
adaptable to applied stresses and to production process. Also this
sample was close to control sample without dietary fibers by
evaluation of sensory properties and by results of videometer method.
Abstract: The recent interest in alternative and renewable
energy systems results in increased installed capacity ratio of such
systems in total energy production of the world. Specifically, Wind
Energy Conversion Systems (WECS) draw significant attention
among possible alternative energy options, recently. On the contrary
of the positive points of penetrating WECS in all over the world in
terms of environment protection, energy independence of the
countries, etc., there are significant problems to be solved for the grid
connection of large scale WECS. The reactive power regulation,
voltage variation suppression, etc. can be presented as major issues to
be considered in this regard. Thus, this paper evaluates the
application of a Static VAr Compensator (SVC) unit for the reactive
power regulation and operation continuity of WECS during a fault
condition. The system is modeled employing the IEEE 13 node test
system. Thus, it is possible to evaluate the system performance with
an overall grid simulation model close to real grid systems. The
overall simulation model is developed in
MATLAB/Simulink/SimPowerSystems® environments and the
obtained results effectively match the target of the provided study.
Abstract: Feature selection has been used in many fields such as
classification, data mining and object recognition and proven to be
effective for removing irrelevant and redundant features from the
original dataset. In this paper, a new design of distributed intrusion
detection system using a combination feature selection model based
on bees and decision tree. Bees algorithm is used as the search
strategy to find the optimal subset of features, whereas decision tree
is used as a judgment for the selected features. Both the produced
features and the generated rules are used by Decision Making Mobile
Agent to decide whether there is an attack or not in the networks.
Decision Making Mobile Agent will migrate through the networks,
moving from node to another, if it found that there is an attack on one
of the nodes, it then alerts the user through User Interface Agent or
takes some action through Action Mobile Agent. The KDD Cup 99
dataset is used to test the effectiveness of the proposed system. The
results show that even if only four features are used, the proposed
system gives a better performance when it is compared with the
obtained results using all 41 features.
Abstract: Mobile Ad hoc Network is a set of self-governing
nodes which communicate through wireless links. Dynamic topology
MANETs makes routing a challenging task. Various routing
protocols are there, but due to various fundamental characteristic
open medium, changing topology, distributed collaboration and
constrained capability, these protocols are tend to various types of
security attacks. Black hole is one among them. In this attack,
malicious node represents itself as having the shortest path to the
destination but that path not even exists. In this paper, we aim to
develop a routing protocol for detection and prevention of black hole
attack by modifying AODV routing protocol. This protocol is able to
detect and prevent the black hole attack. Simulation is done using
NS-2, which shows the improvement in network performance.
Abstract: This paper presents the results obtained by numerical
simulation using the software ANSYS CFX-CFD for the air
pollutants dispersion in the atmosphere coming from the evacuation
of combustion gases resulting from the fuel combustion in an electric
thermal power plant. The model uses the Navier-Stokes equation to
simulate the dispersion of pollutants in the atmosphere. It is
considered as important factors in elaboration of simulation the
atmospheric conditions (pressure, temperature, wind speed, wind
direction), the exhaust velocity of the combustion gases, chimney
height and the obstacles (buildings). Using the air quality monitoring
stations it is measured the concentrations of main pollutants (SO2,
NOx and PM). The pollutants were monitored over a period of 3
months, after that the average concentration are calculated, which is
used by the software. The concentrations are: 8.915 μg/m3 (NOx),
9.587 μg/m3 (SO2) and 42 μg/m3 (PM). A comparison of test data
with simulation results demonstrated that CFX was able to describe
the dispersion of the pollutant as well the concentration of this
pollutants in the atmosphere.
Abstract: The use of titanium fluoride and iron fluoride
(TiF3/FeF3) catalysts in combination with polutetrafluoroethylene
(PTFE) in plain zinc- dialkyldithiophosphate (ZDDP) oil is important
for the study of engine tribocomponents and is increasingly a strategy
to improve the formation of tribofilm and provide low friction and
excellent wear protection in reduced phosphorus plain ZDDP oil. The
influence of surface roughness and the concentration of
TiF3/FeF3/PTFE were investigated using bearing steel samples
dipped in lubricant solution at 100°C for two different heating time
durations. This paper addresses the effects of water drop contact
angle using different surface; finishes after treating them with
different lubricant combination. The calculated water drop contact
angles were analyzed using Design of Experiment software (DOE)
and it was determined that a 0.05 μm Ra surface roughness would
provide an excellent TiF3/FeF3/PTFE coating for antiwear resistance
as reflected in the Scanning electron microscopy (SEM) images and
the tribological testing under extreme pressure conditions. Both
friction and wear performance depend greatly on the PTFE/and
catalysts in plain ZDDP oil with 0.05 % phosphorous and on the
surface finish of bearing steel. The friction and wear reducing effects,
which was observed in the tribological tests, indicated a better micro
lubrication effect of the 0.05 μm Ra surface roughness treated at
100°C for 24 hours when compared to the 0.1 μm Ra surface
roughness with the same treatment.
Abstract: The aim of the present study is to investigate
consumers' determinants of intention toward the adoption of Smart
Grid solutions and technologies. Ajzen's Theory of Planned
Behaviour (TPB) model is applied and tested to explain the formation
of such adoption intention. An exogenous variable, taking into
account the resistance to change of individuals, was added to the
basic model. The elicitation study allowed obtaining salient modal
beliefs, which were used, with the support of literature, to design the
questionnaire. After the screening phase, data collected from the
main survey were analysed for evaluating measurement model's
reliability and validity. Consistent with the theory, the results of
structural equation analysis revealed that attitude, subjective norm,
and perceived behavioural control positively, which affected the
adoption intention. Specifically, the variable with the highest estimate
loading factor was found to be the perceived behavioural control,
and, the most important belief related to each construct was
determined (e.g., energy saving was observed to be the most
significant belief linked with attitude). Further investigation indicated
that the added exogenous variable has a negative influence on
intention; this finding confirmed partially the hypothesis, since this
influence was indirect: such relationship was mediated by attitude.
Implications and suggestions for future research are discussed.
Abstract: HR is a department that enhances the power of
employee performance in regard with their services, and to make the
organization strategic objectives. The main concern of HR
department is to organize people, focus on policies and their system.
The empirical study shows the relationship between HRM (Human
Resource Management practices) and their Job Satisfaction. The
Hypothesis is testing on a sample of overall 320 employees of 5
different Pharmaceutical departments of different organizations in
Pakistan. The important thing as Relationship of Job satisfaction with
HR Practices, Impact on Job Satisfaction with HR Practices,
Participation of Staff of Different Departments, HR Practices effects
the Job satisfaction, Recruitment or Hiring and Selection effects the
Job satisfaction, Training and Development, Performance and
Appraisals, Compensation affects the Job satisfaction , and Industrial
Relationships affects the Job satisfaction. After finishing all data
analysis, the conclusion is that lots of Job related activities raise the
confidence of Job satisfaction of employees with their salary and
other benefits.
Abstract: This article presents a vibration diagnostic method
designed for Permanent Magnets (PM) electrical machines–traction
motors and generators. Those machines are commonly used in traction
drives of electrical vehicles and small wind or water systems. The
described method is very innovative and unique. Specific structural
properties of machines excited by permanent magnets are used in this
method - electromotive force (EMF) generated due to vibrations. There
was analyzed number of publications, which describe vibration
diagnostic methods, and tests of electrical machines and there was no
method found to determine the technical condition of such machine
basing on their own signals. This work presents field-circuit model,
results of static tests, results of calculations and simulations.
Abstract: Biodiesel is one of the alternative fuels that promising
for substituting petro diesel as energy source which is advantage on
sustainability and ecofriendly. Due to the raw material that tend to
decompose during storage, biodiesel also have the same characteristic
that tend to decompose and formed higher acid value which is the
result of oxidation to double bond on a chain of ester. Decomposition of biodiesel due to oxidation reaction could
prevent by introduce a small amount of antioxidant. The origin of raw
materials and the process for producing biodiesel will determine the
effectiveness of antioxidant. The quality degradation on biodiesel
could evaluate by measuring iodine value and acid number of
biodiesel. Biodiesel made from high fatty acid Jatropha curcas oil by using
esterification and transesterification process will stand on the quality
by introduce 90 ppm pyrogallol powder on the biodiesel, which could
increase Induction period time from 2 hours to more than 6 hours in
rancimat test evaluation.
Abstract: This paper presents the local mesh co-occurrence
patterns (LMCoP) using HSV color space for image retrieval system.
HSV color space is used in this method to utilize color, intensity and
brightness of images. Local mesh patterns are applied to define the
local information of image and gray level co-occurrence is used to
obtain the co-occurrence of LMeP pixels. Local mesh co-occurrence
pattern extracts the local directional information from local mesh
pattern and converts it into a well-mannered feature vector using gray
level co-occurrence matrix. The proposed method is tested on three
different databases called MIT VisTex, Corel, and STex. Also, this
algorithm is compared with existing methods, and results in terms of
precision and recall are shown in this paper.
Abstract: Currently there are many use of threaded reinforcing
bars in construction fields because those do not need additional screw
processing when connecting reinforcing bar by threaded coupler. In
this study, reinforced concrete bridge piers using threaded rebar
coupler system at the plastic hinge area were tested to evaluate seismic
performance. The test results showed that threads of the threaded rebar
coupler system could be loosened while under tension-compression
cyclic loading because tolerance and rib face angle of a threaded rebar
coupler system are greater than that of a conventional ribbed rebar
coupler system. As a result, cracks were concentrated just outside of
the mechanical coupler and stiffness of reinforced concrete bridge pier
decreased. Therefore, it is recommended that connection ratio of
mechanical couplers in one section shall be below 50% in order that
cracks are not concentrated just outside of the mechanical coupler.
Also, reduced stiffness of the specimen should be considered when
using the threaded rebar coupler system.
Abstract: Phonocardiography is important in appraisal of
congenital heart disease and pulmonary hypertension as it reflects the
duration of right ventricular systoles. The systolic murmur in patients
with intra-cardiac shunt decreases as pulmonary hypertension
develops and may eventually disappear completely as the pulmonary
pressure reaches systemic level. Phonocardiography and auscultation
are non-invasive, low-cost, and accurate methods to assess heart
disease. In this work an objective signal processing tool to extract
information from phonocardiography signal using Wavelet is
proposed to classify the murmur as normal or abnormal. Since the
feature vector is large, a Binary Particle Swarm Optimization (PSO)
with mutation for feature selection is proposed. The extracted
features improve the classification accuracy and were tested across
various classifiers including Naïve Bayes, kNN, C4.5, and SVM.