Abstract: Information technology plays an irreplaceable role in
introducing and improving business process orientation in a
company. It enables implementation of the theoretical concept,
measurement of results achieved and undertaking corrective
measures aimed at improvements. Information technology is a key
concept in the development and implementation of the business
process management systems as it establishes a connection to
business operations. Both in the literature and practice, insurance
companies are often seen as highly process oriented due to the nature
of their business and focus on customers. They are also considered
leaders in using information technology for business process
management. The research conducted aimed to investigate whether
the perceived leadership status of insurance companies is well
deserved, i.e. to establish the level of process orientation and explore
the practice of information technology use in insurance companies in
the region. The main instrument for primary data collection within
this research was an electronic survey questionnaire sent to the
management of insurance companies in the Republic of Croatia,
Bosnia and Herzegovina, Slovenia, Serbia and Macedonia. The
conducted research has shown that insurance companies have a
satisfactory level of process orientation, but that there is also a huge
potential for improvement, especially in the segment of information
technology and its connection to business processes.
Abstract: Financial innovations can be regarded as the cause
and the effect of the evolution of the financial system. Most of
financial innovations are created by various financial institutions for
their own purposes and needs. However, due to their diversity,
financial innovations can be also applied by various business entities
(other than financial institutions).
This paper focuses on the potential application of financial
innovations by non-financial companies. It is assumed that financial
innovations may be effectively applied in all fields of corporate
financial decisions integrating financial management with the risk
management process. Appropriate application of financial
innovations may enhance the development of the company and
increase its value by improving its financial situation and reducing
the level of risk. On the other hand, misused financial innovations
may become the source of extra risk for the company threatening its
further operation.
The main objective of the paper is to identify the major types of
financial innovations offered to non-financial companies by the
banking system in Poland. It also aims at identifying the main factors
determining the creation of financial innovations in the banking
system in Poland and indicating future directions of their
development.
This paper consists of conceptual and empirical part. Conceptual
part based on theoretical study is focused on the determinants of the
process of financial innovations and their application by the nonfinancial
companies. Theoretical study is followed by the empirical
research based on the analysis of the actual offer of the 20 biggest
banks operating in Poland with regard to financial innovations
offered to SMEs and large corporations. These innovations are
classified according to the main functions of the integrated financial
management, such as financing, investment, working capital
management and risk management.
Empirical study has proved that the biggest banks operating in the
Polish market offer to their business customers many types and
classes of financial innovations. This offer appears vast and adequate
to the needs and purposes of the Polish non-financial companies. It
was observed that financial innovations pertained to financing
decisions dominate in the banks’ offer. However, due to high
diversification of the offered financial innovations, business
customers may effectively apply them in all fields and areas of
integrated financial management. It should be underlined, that the
banks’ offer is highly dispersed, which may limit the implementation
of financial innovations in the corporate finance. It would be also
recommended for the banks operating in the Polish market to
intensify the education campaign aiming at increasing knowledge
about financial innovations among business customers.
Abstract: This research paper presents the current practices of
teacher professional development, perceived as beneficial by teachers
themselves, in a private secondary school in Brunei Darussalam. This
is part of the findings of a larger qualitative study on teacher
empowerment, using ethnographic methods for data collection, i.e.
participant observation, interviews and document analysis. The field
work was carried out over a period of six months in 2013. An
analysis of the field data revealed multiple pathways of teacher
professional development existing in the school. The results indicate
that school leaders, the teacher community in the school, students,
and the teachers themselves were the agents in a school that
facilitated teacher empowerment. Besides contributing to the
knowledge base on teacher professional development, the results of
this study provide directions for educational policy makers in their
efforts to enhance professional development in secondary schools of
similar characteristics. For school leaders and the teacher community,
these findings offer guidelines for maximizing the opportunities for
these professional development practices, by strengthening
collegiality and by using the existing structures optimally for the
benefit of all concerned.
Abstract: In recent years, the use of the aluminum based alloys
in the industry and technology are increasing. Alloying elements in
aluminum have further been improving the strength and stiffness
properties that provide superior compared to other metals. In this
study, investigation of physical properties (microstructure,
microhardness, tensile strength, electrical conductivity and thermal
properties) in the Al-12.6wt.%Si-%2wt.Ni ternary alloy were
investigated. Al-Si-Ni alloy was prepared in vacuum atmosphere. The
samples were directionally solidified upwards with different growth
rate V (8.3−165.45 μm/s) at constant temperature gradient G (7.73
K/mm). The flake spacings (λ), microhardness (HV), ultimate tensile
strength (σ), electrical resistivity (ρ) and thermal properties (H, Cp,
Tm) of the samples were measured. Influence of the growth rate and
spacings on microhardness, ultimate tensile strength and electrical
resistivity were investigated and relationships between them were
obtained. According to results, λ values decrease with increasing V,
but HV, σ and ρ values increase with increasing V. Variations of
electrical resistivity (ρ) of solidified samples were also measured.
The enthalpy of fusion (H) and specific heat (Cp) for the alloy was
also determined by differential scanning calorimeter (DSC) from
heating trace during the transformation from liquid to solid. The
results in this work were compared with the previous similar
experimental results.
Abstract: Photovoltaic (PV) power generation systems, mainly
small scale, are rapidly being deployed in Jordan. The impact of these
systems on the grid has not been studied or analyzed. These systems
can cause many technical problems such as reverse power flows and
voltage rises in distribution feeders, and real and reactive power
transients that affect the operation of the transmission system. To
fully understand and address these problems, extensive research,
simulation, and case studies are required. To this end, this paper
studies the cloud shadow effect on the power generation of a ground
mounted PV system installed at the test field of the Renewable
Energy Center at the Applied Science University.
Abstract: The localization information is crucial for the
operation of WSN. There are principally two types of localization
algorithms. The Range-based localization algorithm has strict
requirements on hardware, thus is expensive to be implemented in
practice. The Range-free localization algorithm reduces the hardware
cost. However, it can only achieve high accuracy in ideal scenarios.
In this paper, we locate unknown nodes by incorporating the
advantages of these two types of methods. The proposed algorithm
makes the unknown nodes select the nearest anchor using the
Received Signal Strength Indicator (RSSI) and choose two other
anchors which are the most accurate to achieve the estimated
location. Our algorithm improves the localization accuracy compared
with previous algorithms, which has been demonstrated by the
simulating results.
Abstract: The right to basic sanitation, was elevated to the
category of fundamental right by the Constitution of 1988 to protect
the ecologically balanced environment, ensuring social rights to
health and adequate housing and put the dignity of the human person
as the foundation of the Brazilian Democratic State. Before their
essentiality to humans, this article seeks to understand why universal
access to basic sanitation is a goal so difficult to achieve in Brazil.
Therefore, this research uses the deductive and analytical method.
Given the nature of the research literature, research techniques were
centered in specialized books on the subject, journals, theses and
dissertations, laws, relevant law case and raising social indicators
relating to the theme. The relevance of the topic stems, among other
things, the fact that sanitation services are essential for a dignified
life, i.e., everyone is entitled to the maintenance of the necessary
existence conditions are satisfied. However, the effectiveness of this
right is undermined in society, since Brazil has huge deficit in
sanitation services, denying thus a worthy life to most of the
population. Thus, it can be seen that the provision of water and
sewage services in Brazil is still characterized by a large imbalance,
since the municipalities with lower population index have greater
disability in the sanitation service. The truth is that the precariousness
of water and sewage services in Brazil is still very concentrated in the
North and Northeast regions, limiting the effective implementation of
the Law 11.445/2007 in the country. Therefore, there is urgent need
for a positive service by the State in the provision of sanitation
services in order to prevent and control disease, improve quality of
life and productivity of individuals, besides preventing contamination
of water resources. More than just social and economic necessity,
there is a government duty to implement such services. In this sense,
given the current scenario, to achieve universal access to basic
sanitation imposes many hurdles. These are mainly in the field of
properly formulated and implemented public policies, i.e., it requires
an excellent institutional organization, management services,
strategic planning, social control, in order to provide answers to
complex challenges.
Abstract: The objective of this study was to evaluate the
effects of calving season on the production and economic efficiency
of dairy farms in Egypt. Our study was performed at dairy
production farms in the Alexandria, Behera, and Kafr El-Sheikh
provinces of Egypt from summer 2010 to winter 2013. The
randomly selected dairy farms had herds consisting of Baladi,
Holstein-Friesian, or cross-bred (Baladi × Holstein-Friesian) cows.
The data were collected from production records and responses to a
structured questionnaire. The average total return differed
significantly (P < 0.05) between the different cattle breeds and
calving seasons. The average total return was highest for the
Holstein- Friesian cows that calved in the winter (29106.42
EGP/cow/year), and it was lowest for Baladi cows that calved in the
summer (12489.79 EGP/cow/year). Differences in total returns
between the cows that calved in the winter or summer or between
the foreign and native breeds, as well as variations in calf prices,
might have contributed to the differences in milk yield. The average
net profit per cow differed significantly (P < 0.05) between the cattle
breeds and calving seasons. The average net profit values for the
Baladi cows that calved in the winter or summer were 2413 and
2994.96 EGP/cow/year, respectively, and those for the Holstein-
Friesian cows were 10744.17 and 7860.56 EGP/cow/year,
respectively, whereas those for the cross-bred cows were 10174.86
and 7571.33 EGP/cow/year, respectively. The variations in net profit
might have resulted from variation in the availability or price of feed
materials, milk prices, or sales volumes. Our results show that the
breed and calving season of dairy cows significantly affected the
economic efficiency of dairy farms in Egypt. The cows that calved
in the winter produced more milk than those that calved in the
summer, which may have been the result of seasonal influences,
such as temperature, humidity, management practices, and the type
of feed or green fodder available.
Abstract: In this work, the plastic behaviour of cold-rolled zinc
coated dual-phase steel sheets DP600 and DP800 grades is firstly
investigated with the help of uniaxial, hydraulic bulge and Forming
Limit Curve (FLC) tests. The uniaxial tensile tests were performed in
three angular orientations with respect to the rolling direction to
evaluate the strain-hardening and plastic anisotropy. True stressstrain
curves at large strains were determined from hydraulic bulge
testing and fitted to a work-hardening equation. The limit strains are
defined at both localized necking and fracture conditions according to
Nakajima’s hemispherical punch procedure. Also, an elasto-plastic
localization model is proposed in order to predict strain and stress
based forming limit curves. The investigated dual-phase sheets
showed a good formability in the biaxial stretching and drawing FLC
regions. For both DP600 and DP800 sheets, the corresponding
numerical predictions overestimated and underestimated the
experimental limit strains in the biaxial stretching and drawing FLC
regions, respectively. This can be attributed to the restricted failure
necking condition adopted in the numerical model, which is not
suitable to describe the tensile and shear fracture mechanisms in
advanced high strength steels under equibiaxial and biaxial stretching
conditions.
Abstract: The main objective of MEAL is to develop a
pedagogical tool aimed to help teachers and nutritionists (students
and professionals) to acquire, train, promote and deliver to children
basic nutritional education and healthy eating behaviours
competencies. MEAL is focused on eating behaviours and not only in
nutritional literacy, and will use new technologies like Information
and Communication Technologies (ICTs) and serious games (SG)
platforms to consolidate the nutritional competences and habits.
Abstract: The aim of this study is to investigate the relationship
between expectation, satisfaction and loyalty of South Korean
tourists visiting Turkey. In the research, a questionnaire was used as a
data collecting tool. The questionnaires are filled by South Korean
tourists coming to Turkey through package tours and individual. The
survey was conducted in 2014 in Nevsehir (Cappadocia Region) and
Istanbul. Tourist guides and agency staff have helped the
implementation of surveys. The survey questions are composed of 4
parts, which are “demographic characteristics of tourists”, “travel
behavior characteristics”, “perception of expectations on destination
attributes” and “perception of destination loyalty”. 5-point Likert
type scale including 28 destination attributes was used to measure the
expectations of South Korean tourists coming to Turkey. Questions
were directed to the tourists to measure the destination loyalty. The
questions relating to destination loyalty are “Talking about Turkey to
others”, “Recommendation Turkey to others” and “Tourists’
intentions to revisit Turkey”. The basic hypothesis of the research is
that there is a statistically significant relationship among
expectations, satisfactions and destination loyalty of South Korean
tourists coming to Turkey. The results indicated that the expectation
had a significant effect on overall satisfaction. In addition it was seen
that between overall satisfaction of tourists and destination loyalty
had a significant relationship. Based on findings, some suggestions
for tour operators and travel agencies were made.
Abstract: Consumers are demanding novel beverages that are
healthier, convenient and have appealing consumer acceptance. The
objectives of this study were to investigate the effects of adding grape
polyphenols and the influence of presenting health claims on the
sensory acceptability of wines. Fresh red sorrel calyces were
fermented into wines. The total soluble solids of the pectinase-treated
sorrel puree were from 4°Brix to 23.8°Brix. Polyphenol in the form
of grape pomace extract was added to sorrel wines (w/v) in specified
levels to give 0. 25. 50 and 75 ppm. A focus group comprising of 12
panelists was use to select the level of polyphenol to be added to
sorrel wines for sensory preference The sensory attributed of the
wines which were evaluated were colour, clarity, aroma, flavor,
mouth-feel, sweetness, astringency and overall preference. The sorrel
wine which was most preferred from focus group evaluation was
presented for hedonic rating. In the first stage of hedonic testing, the
sorrel wine was served chilled at 7°C for 24 h prior to sensory
evaluation. Each panelist was provided with a questionnaire and was
asked to rate the wines on colour, aroma, flavor, mouth-feel,
sweetness, astringency and overall acceptability using a 9-point
hedonic scale. In the second stage of hedonic testing, the panelist
were instructed to read a health abstract on the health benefits of
polyphenolic compounds and again to rate sorrel wine with added 25
ppm polyphenol. Paired t-test was used for the analysis of the
influence of presenting health information on polyphenols on hedonic
scoring of sorrel wines. Focus groups found that the addition of
polyphenol addition had no significant effect on sensory color and
aroma but affected clarity and flavor. A 25 ppm wine was liked
moderately in overall acceptability. The presentation of information
on the health benefit of polyphenols in sorrel wines to panelists had
no significant influence on the sensory acceptance of wine. More
than half of panelists would drink this wine now and then. This wine
had color L 19.86±0.68, chroma 2.10±0.12, hue° 16.90 ±3.10 and
alcohol content of 13.0%. The sorrel wine was liked moderately in
overall acceptability with the added polyphenols.
Abstract: This work is on decision tree-based classification for
the disbursement of scholarship. Tree-based data mining
classification technique is used in other to determine the generic rule
to be used to disburse the scholarship. The system based on the
defined rules from the tree is able to determine the class (status) to
which an applicant shall belong whether Granted or Not Granted. The
applicants that fall to the class of granted denote a successful
acquirement of scholarship while those in not granted class are
unsuccessful in the scheme. An algorithm that can be used to classify
the applicants based on the rules from tree-based classification was
also developed. The tree-based classification is adopted because of its
efficiency, effectiveness, and easy to comprehend features. The
system was tested with the data of National Information Technology
Development Agency (NITDA) Abuja, a Parastatal of Federal
Ministry of Communication Technology that is mandated to develop
and regulate information technology in Nigeria. The system was
found working according to the specification. It is therefore
recommended for all scholarship disbursement organizations.
Abstract: Batch production plants provide a wide range of
scheduling problems. In pharmaceutical industries a batch process
is usually described by a recipe, consisting of an ordering of tasks
to produce the desired product. In this research work we focused
on pharmaceutical production processes requiring the culture of
a microorganism population (i.e. bacteria, yeasts or antibiotics).
Several sources of uncertainty may influence the yield of the culture
processes, including (i) low performance and quality of the cultured
microorganism population or (ii) microbial contamination. For
these reasons, robustness is a valuable property for the considered
application context. In particular, a robust schedule will not collapse
immediately when a cell of microorganisms has to be thrown away
due to a microbial contamination. Indeed, a robust schedule should
change locally in small proportions and the overall performance
measure (i.e. makespan, lateness) should change a little if at all.
In this research work we formulated a constraint programming
optimization (COP) model for the robust planning of antibiotics
production. We developed a discrete-time model with a multi-criteria
objective, ordering the different criteria and performing a
lexicographic optimization. A feasible solution of the proposed
COP model is a schedule of a given set of tasks onto available
resources. The schedule has to satisfy tasks precedence constraints,
resource capacity constraints and time constraints. In particular
time constraints model tasks duedates and resource availability
time windows constraints. To improve the schedule robustness, we
modeled the concept of (a, b) super-solutions, where (a, b) are input
parameters of the COP model. An (a, b) super-solution is one in
which if a variables (i.e. the completion times of a culture tasks)
lose their values (i.e. cultures are contaminated), the solution can be
repaired by assigning these variables values with a new values (i.e.
the completion times of a backup culture tasks) and at most b other
variables (i.e. delaying the completion of at most b other tasks).
The efficiency and applicability of the proposed model is
demonstrated by solving instances taken from a real-life
pharmaceutical company. Computational results showed that
the determined super-solutions are near-optimal.
Abstract: The aim of this work was to characterize a potential
target group of people interested in participating into a training
program in organic farming in the context of mobile-learning. The
information sought addressed in particular, but not exclusively,
possible contents, formats and forms of evaluation that will
contribute to define the course objectives and curriculum, as well as
to ensure that the course meets the needs of the learners and their
preferences. The sample was selected among different European
countries. The questionnaires were delivered electronically for
answering on-line and in the end 135 consented valid questionnaires
were obtained. The results allowed characterizing the target group
and identifying their training needs and preferences towards m-learning
formats, giving valuable tools to design the training offer.
Abstract: In this paper, we present a new segmentation approach
for focal liver lesions in contrast enhanced ultrasound imaging. This
approach, based on a two-cluster Fuzzy C-Means methodology,
considers type-II fuzzy sets to handle uncertainty due to the image
modality (presence of speckle noise, low contrast, etc.), and to
calculate the optimum inter-cluster threshold. Fine boundaries are
detected by a local recursive merging of ambiguous pixels. The
method has been tested on a representative database. Compared to
both Otsu and type-I Fuzzy C-Means techniques, the proposed
method significantly reduces the segmentation errors.
Abstract: The objective of this paper is to evaluate the effects of
soil-structure interaction (SSI) on the modal characteristics and on
the dynamic response of current structures. The objective is on the
overall behaviour of a real structure of five storeys reinforced
concrete (R/C) building typically encountered in Algeria. Sensitivity
studies are undertaken in order to study the effects of frequency
content of the input motion, frequency of the soil-structure system,
rigidity and depth of the soil layer on the dynamic response of such
structures. This investigation indicated that the rigidity of the soil
layer is the predominant factor in soil-structure interaction and its
increases would definitely reduce the deformation in the R/C
structure. On the other hand, increasing the period of the underlying
soil will cause an increase in the lateral displacements at story levels
and create irregularity in the distribution of story shears. Possible
resonance between the frequency content of the input motion and soil
could also play an important role in increasing the structural
response.
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: 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.