Small and Medium Enterprises (SMEs) Financing Practice and Accessing Bank Loan Issues -The Case of Libya

The purpose of this paper is to examine the financing practices of SMEs in Libya in two different phases of business life cycle: start-up and matured stages. Moreover, SMEs- accessing bank loan issues is also identified. The study was conducted by taking into account the aspect of demand. The findings are based on a sample of 76 SMEs in Libya through the adoption of questionnaires. The results have pinpointed several things- evidently, SMEs use informal financing sources which prefer personal savings; SME owners are willing to apply for bank loan, that the most pressing problem has been identified, not to apply bank loan is loan with interest (religion factor).

A Condition Rating System for Wastewater Treatment Plants Infrastructures

Statistics Canada stated that the wastewater treatment facilities in most provinces are aging and passes 63% of their useful life in 2007 the highest ratio among public infrastructure assets. Currently, there is no standard condition rating system for wastewater treatment plants that give a specific rating index that describe the physical integrity of different infrastructure elements in the treatment plant and its environmental performance. The main objective of this study is to develop a condition-rating index for wastewater treatment plants mainly activated sludge systems. The proposed WWTP CRI, is based on dividing the treatment plant into its three treatment phases; primary phase, secondary phase and the tertiary phase. The condition-rating index will reflect the infrastructures state for each phase, mainly tanks, pipes, blowers and pumps.

Effect of Friction Stir Welding on Microstructural and Mechanical Properties of Copper Alloy

This study demonstrates the feasibility of joining the commercial pure copper plates by friction stir welding (FSW). Microstructure, microhardness and tensile properties in terms of the joint efficiency were found 94.03 % compare to as receive base material (BM). The average hardness at the top was higher than bottom. Hardness of weld zone was higher than the base material. Different microstructure zones were revealed by optical microscopy and scanning electron microscopy. The stirred zone (SZ) exhibited primary two phases namely, recrystallized grains and fine precipitates in matrix of copper.

Progressive AAM Based Robust Face Alignment

AAM has been successfully applied to face alignment, but its performance is very sensitive to initial values. In case the initial values are a little far distant from the global optimum values, there exists a pretty good possibility that AAM-based face alignment may converge to a local minimum. In this paper, we propose a progressive AAM-based face alignment algorithm which first finds the feature parameter vector fitting the inner facial feature points of the face and later localize the feature points of the whole face using the first information. The proposed progressive AAM-based face alignment algorithm utilizes the fact that the feature points of the inner part of the face are less variant and less affected by the background surrounding the face than those of the outer part (like the chin contour). The proposed algorithm consists of two stages: modeling and relation derivation stage and fitting stage. Modeling and relation derivation stage first needs to construct two AAM models: the inner face AAM model and the whole face AAM model and then derive relation matrix between the inner face AAM parameter vector and the whole face AAM model parameter vector. In the fitting stage, the proposed algorithm aligns face progressively through two phases. In the first phase, the proposed algorithm will find the feature parameter vector fitting the inner facial AAM model into a new input face image, and then in the second phase it localizes the whole facial feature points of the new input face image based on the whole face AAM model using the initial parameter vector estimated from using the inner feature parameter vector obtained in the first phase and the relation matrix obtained in the first stage. Through experiments, it is verified that the proposed progressive AAM-based face alignment algorithm is more robust with respect to pose, illumination, and face background than the conventional basic AAM-based face alignment algorithm.

An Automatic Tool for Checking Consistency between Data Flow Diagrams (DFDs)

System development life cycle (SDLC) is a process uses during the development of any system. SDLC consists of four main phases: analysis, design, implement and testing. During analysis phase, context diagram and data flow diagrams are used to produce the process model of a system. A consistency of the context diagram to lower-level data flow diagrams is very important in smoothing up developing process of a system. However, manual consistency check from context diagram to lower-level data flow diagrams by using a checklist is time-consuming process. At the same time, the limitation of human ability to validate the errors is one of the factors that influence the correctness and balancing of the diagrams. This paper presents a tool that automates the consistency check between Data Flow Diagrams (DFDs) based on the rules of DFDs. The tool serves two purposes: as an editor to draw the diagrams and as a checker to check the correctness of the diagrams drawn. The consistency check from context diagram to lower-level data flow diagrams is embedded inside the tool to overcome the manual checking problem.

Separation of Manganese and Cadmium from Cobalt Electrolyte Solution by Solvent Extraction

Impurity metals such as manganese and cadmium from high-tenor cobalt electrolyte solution were selectively removed by solvent extraction method using Co-D2EHPA after converting the functional group of D2EHPA with Co2+ ions. The process parameters such as pH, organic concentration, O/A ratio, kinetics etc. were investigated and the experiments were conducted by batch tests in the laboratory bench scale. Results showed that a significant amount of manganese and cadmium can be extracted using Co-D2EHPA for the optimum processing of cobalt electrolyte solution at equilibrium pH about 3.5. The McCabe-Thiele diagram, constructed from the extraction studies showed that 100% impurities can be extracted through four stages for manganese and three stages for cadmium using O/A ratio of 0.65 and 1.0, respectively. From the stripping study, it was found that 100% manganese and cadmium can be stripped from the loaded organic using 0.4 M H2SO4 in a single contact. The loading capacity of Co-D2EHPA by manganese and cadmium were also investigated with different O/A ratio as well as with number of stages of contact of aqueous and organic phases. Valuable information was obtained for the designing of an impurities removal process for the production of pure cobalt with less trouble in the electrowinning circuit.

On Enhancing Robustness of an Evolutionary Fuzzy Tracking Controller

This paper presents three-phase evolution search methodology to automatically design fuzzy logic controllers (FLCs) that can work in a wide range of operating conditions. These include varying load, parameter variations, and unknown external disturbances. The three-phase scheme consists of an exploration phase, an exploitation phase and a robustness phase. The first two phases search for FLC with high accuracy performances while the last phase aims at obtaining FLC providing the best compromise between the accuracy and robustness performances. Simulations were performed for direct-drive two-axis robot arm. The evolved FLC with the proposed design technique found to provide a very satisfactory performance under the wide range of operation conditions and to overcome problem associated with coupling and nonlinearities characteristics inherent to robot arms.

Survival of Neutrino Mass Models in Nonthermal Leptogenesis

The Constraints imposed by non-thermal leptogenesis on the survival of the neutrino mass models describing the presently available neutrino mass patterns, are studied numerically. We consider the Majorana CP violating phases coming from right-handed Majorana mass matrices to estimate the baryon asymmetry of the universe, for different neutrino mass models namely quasi-degenerate, inverted hierarchical and normal hierarchical models, with tribimaximal mixings. Considering two possible diagonal forms of Dirac neutrino mass matrix as either charged lepton or up-quark mass matrix, the heavy right-handed mass matrices are constructed from the light neutrino mass matrix. Only the normal hierarchical model leads to the best predictions of baryon asymmetry of the universe, consistent with observations in non-thermal leptogenesis scenario.

Ambient Intelligence in the Production and Retail Sector: Emerging Opportunities and Potential Pitfalls

This paper provides an introduction into the evolution of information and communication technology and illustrates its usage in the work domain. The paper is sub-divided into two parts. The first part gives an overview over the different phases of information processing in the work domain. It starts by charting the past and present usage of computers in work environments and shows current technological trends, which are likely to influence future business applications. The second part starts by briefly describing, how the usage of computers changed business processes in the past, and presents first Ambient Intelligence applications based on identification and localization information, which are already used in the production and retail sector. Based on current systems and prototype applications, the paper gives an outlook of how Ambient Intelligence technologies could change business processes in the future.

Liquid-Liquid Equilibrium for the Binary Mixtures of α-Pinene + Water and α-Terpineol + Water

α-Pinene is the main component of the most turpentine oils. The hydration of α-pinene with acid catalysts leads to a complex mixture of monoterpenes. In order to obtain more valuable products, the α-pinene in the turpentine can be hydrated in dilute mineral acid solutions to produce α-terpineol. The design of separation processes requires information on phase equilibrium and related thermodynamic properties. This paper reports the results of study on liquid-liquid equilibrium (LLE) of system containing α- pinene + water and α-terpineol + water. Binary LLE for α-pinene + water system, and α-terpineol + water systems were determined by experiment at 301K and atmospheric pressure. The two component mixture was stirred for about 30min, then the mixture was left for about 2h for complete phase separation. The composition of both phases was analyzed by using a Gas Chromatograph. The experimental data were correlated by considering both NRTL and UNIQUAC activity coefficient models. The LLE data for the system of α-pinene + water and α-terpineol + water were correlated successfully by the NRTL model. The experimental data were not satisfactorily fitted by the UNIQUAC model. The NRTL model (α =0.3) correlates the LLE data for the system of α-pinene + water at 301K with RMSD of 0.0404%. And the NRTL model (α =0.61) at 301K with RMSD of 0.0058 %. The NRTL model (α =0.3) correlates the LLE data for the system of α- terpineol + water at 301K with RMSD of 0.1487% and the NRTL model (α =0.6) at 301K with RMSD of 0.0032%, between the experimental and calculated mole fractions.

Pyrite from Zones of Mz-Kz Reactivation of Large Faults on the Eastern Slope of the Ural Mountains, Russia

Pyritisation halos are identified in weathering crusts and unconsolidated formations at five locations within large fault structure of the Urals’ eastern slope. Electron microscopy reveals the presence of inclusions and growths on pyrite faces – normally on cubic pyrite with striations, or combinations of cubes and other forms. Following neogenesis types are established: native elements and intermetallic compounds (including gold and silver), halogenides, sulphides, sulfosalts, tellurides, sulphotellurides, selenides, tungstates, sulphates, phosphates, carbon-based substances. Direct relationship is noted between amount and diversity of such mineral phases, and proximity to and scale of ore-grade mineralization. Gold and silver, both in native form and within tellurides, presence of lead (galena, native lead), native tungsten, and, possibly, molybdenite and sulfosalts can indicate gold-bearing formations. First find of native tungsten in the Urals is for the first time – in crystallised and druse-like form. Link is suggested between unusual mineralization and “reducing” hydrothermal fluids from deep-seated faults at later stages of Urals’ reactivation. 

Natural Gas Sweetening by Wetted-Wire Column

Natural gas usually includes H2S component which is very toxic, hazardous and corrosive to environment, human being and process equipments, respectively. Therefore, sweetening of the gas (separation of H2S) is inevitable. To achieve this purpose, using packed-bed columns with liquid absorbents such as MEA or DEA is very common. Due to some problems of usual packed columns especially high pressure drop of gas phase, a novel kind of them called wetted-wire column (WWC) has been invented. The column decreases the pressure drop significantly and improves the absorption efficiency. The packings are very thin rods (like wire) and as long as column. The column has 100 wires with a triangular arrangement and counter current flows of gas and liquid phases. The observation showed that at the same conditions, the absorption performance was quite comparable to conventional packed-bed towers and a very low pressure drop.

Characterization of Biodegradable Nanocomposites with Poly (Lactic Acid) and Multi-Walled Carbon Nanotubes

In this study, structural, mechanical, thermal and electrical properties of poly (lactic acid) (PLA) nanocomposites with low-loaded (0-1.5 wt%) untreated, heat and nitric acid treated multiwalled carbon nanotubes (MWCNTs) were studied. Among the composites, untreated 0.5 wt % MWCNTs and acid-treated 1.0 wt% MWCNTs reinforced PLA show the tensile strength and modulus values higher than the others. These two samples along with pure PLA exhibit the stable orthorhombic α-form, whilst other samples reveal the less stable orthorhombic β-form, as demonstrated by X-ray diffraction study. Differential scanning calorimetry reveals the evolution of the mentioned different phases by controlled cooling and discloses an enhancement of PLA crystallization by nanotubes incorporation. Thermogravimetric analysis shows that the MWCNTs loaded sample degraded faster than PLA. Surface resistivity of the nanocomposites is found to be dropped drastically by a factor of 1013 with a low loading of MWCNTs (1.5 wt%).

A Computer Model of Language Acquisition – Syllable Learning – Based on Hebbian Cell Assemblies and Reinforcement Learning

Investigating language acquisition is one of the most challenging problems in the area of studying language. Syllable learning as a level of language acquisition has a considerable significance since it plays an important role in language acquisition. Because of impossibility of studying language acquisition directly with children, especially in its developmental phases, computer models will be useful in examining language acquisition. In this paper a computer model of early language learning for syllable learning is proposed. It is guided by a conceptual model of syllable learning which is named Directions Into Velocities of Articulators model (DIVA). The computer model uses simple associational and reinforcement learning rules within neural network architecture which are inspired by neuroscience. Our simulation results verify the ability of the proposed computer model in producing phonemes during babbling and early speech. Also, it provides a framework for examining the neural basis of language learning and communication disorders.

Optimal Combination for Modal Pushover Analysis by Using Genetic Algorithm

In order to consider the effects of the higher modes in the pushover analysis, during the recent years several multi-modal pushover procedures have been presented. In these methods the response of the considered modes are combined by the square-rootof- sum-of-squares (SRSS) rule while application of the elastic modal combination rules in the inelastic phases is no longer valid. In this research the feasibility of defining an efficient alternative combination method is investigated. Two steel moment-frame buildings denoted SAC-9 and SAC-20 under ten earthquake records are considered. The nonlinear responses of the structures are estimated by the directed algebraic combination of the weighted responses of the separate modes. The weight of the each mode is defined so that the resulted response of the combination has a minimum error to the nonlinear time history analysis. The genetic algorithm (GA) is used to minimize the error and optimize the weight factors. The obtained optimal factors for each mode in different cases are compared together to find unique appropriate weight factors for each mode in all cases.

Improvement of Energy Efficiency using Porous Fins in Heat Exchangers

The forced convection heat transfer in high porosity metal-foam filled tube heat exchangers are studied in this paper. The Brinkman Darcy momentum model and two energy equations for both solid and fluid phases in porous media are employed .The study shows that using metal-foams can significantly improve the heat transfer in heat exchangers.

Comparison of Full Graph Methods of Switched Circuits Solution

As there are also graph methods of circuit analysis in addition to algebraic methods, it is, in theory, clearly possible to carry out an analysis of a whole switched circuit in two-phase switching exclusively by the graph method as well. This article deals with two methods of full-graph solving of switched circuits: by transformation graphs and by two-graphs. It deals with the circuit switched capacitors and the switched current, too. All methods are presented in an equally detailed steps to be able to compare.

Behavior of Cu-WC-Ti Metal Composite Afterusing Planetary Ball Milling

Copper based composites reinforced with WC and Ti particles were prepared using planetary ball-mill. The experiment was designed by using Taguchi technique and milling was carried out in an air for several hours. The powder was characterized before and after milling using the SEM, TEM and X-ray for microstructure and for possible new phases. Microstructures show that milled particles size and reduction in particle size depend on many parameters. The distance d between planes of atoms estimated from X-ray powder diffraction data and TEM image. X-ray diffraction patterns of the milled powder did not show clearly any new peak or energy shift, but the TEM images show a significant change in crystalline structure of corporate on titanium in the composites.

A Multi-Phase Methodology for Investigating Localisation Policies within the GCC: The Hotel Industry in the KSA and the UAE

Due to a high unemployment rate among local people and a high reliance on expatriate workers, the governments in the Gulf Co-operation Council (GCC) countries have been implementing programmes of localisation (replacing foreign workers with GCC nationals). These programmes have been successful in the public sector but much less so in the private sector. However, there are now insufficient jobs for locals in the public sector and the onus to provide employment has fallen on the private sector. This paper is concerned with a study, which is a work in progress (certain elements are complete but not the whole study), investigating the effective implementation of localisation policies in four- and five-star hotels in the Kingdom of Saudi Arabia (KSA) and the United Arab Emirates (UAE). The purpose of the paper is to identify the research gap, and to present the need for the research. Further, it will explain how this research was conducted. Studies of localisation in the GCC countries are under-represented in scholarly literature. Currently, the hotel sectors in KSA and UAE play an important part in the countries’ economies. However, the total proportion of Saudis working in the hotel sector in KSA is slightly under 8%, and in the UAE, the hotel sector remains highly reliant on expatriates. There is therefore a need for research on strategies to enhance the implementation of the localisation policies in general and in the hotel sector in particular. Further, despite the importance of the hotel sector to their economies, there remains a dearth of research into the implementation of localisation policies in this sector. Indeed, as far as the researchers are aware, there is no study examining localisation in the hotel sector in KSA, and few in the UAE. This represents a considerable research gap. Regarding how the research was carried out, a multiple case study strategy was used. The four- and five-star hotel sector in KSA is one of the cases, while the four- and five-star hotel sector in the UAE is the other case. Four- and five-star hotels in KSA and the UAE were chosen as these countries have the longest established localisation policies of all the GCC states and there are more hotels of these classifications in these countries than in any of the other Gulf countries. A literature review was carried out to underpin the research. The empirical data were gathered in three phases. In order to gain a pre-understanding of the issues pertaining to the research context, Phase I involved eight unstructured interviews with officials from the Saudi Commission for Tourism and Antiquities (three interviewees); the Saudi Human Resources Development Fund (one); the Abu Dhabi Tourism and Culture Authority (three); and the Abu Dhabi Development Fund (one). In Phase II, a questionnaire was administered to 24 managers and 24 employees in four- and five-star hotels in each country to obtain their beliefs, attitudes, opinions, preferences and practices concerning localisation. Unstructured interviews were carried out in Phase III with six managers in each country in order to allow them to express opinions that may not have been explored in sufficient depth in the questionnaire. The interviews in Phases I and III were analysed using thematic analysis and SPSS will be used to analyse the questionnaire data. It is recommended that future research be undertaken on a larger scale, with a larger sample taken from all over KSA and the UAE rather than from only four cities (i.e., Riyadh and Jeddah in KSA and Abu Dhabi and Sharjah in the UAE), as was the case in this research.

Predictive Clustering Hybrid Regression(pCHR) Approach and Its Application to Sucrose-Based Biohydrogen Production

A predictive clustering hybrid regression (pCHR) approach was developed and evaluated using dataset from H2- producing sucrose-based bioreactor operated for 15 months. The aim was to model and predict the H2-production rate using information available about envirome and metabolome of the bioprocess. Selforganizing maps (SOM) and Sammon map were used to visualize the dataset and to identify main metabolic patterns and clusters in bioprocess data. Three metabolic clusters: acetate coupled with other metabolites, butyrate only, and transition phases were detected. The developed pCHR model combines principles of k-means clustering, kNN classification and regression techniques. The model performed well in modeling and predicting the H2-production rate with mean square error values of 0.0014 and 0.0032, respectively.