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: The disposal and the treatment of sewage sludge is an
expensive and environmentally complex problem. In this work, a
lipopeptide biosurfactant extracted from corn steep liquor was used
as ecofriendly and cost-competitive alternative for the mobilization
and bioremediation of fluorene in sewage sludge. Results have
demonstrated that this biosurfactant has the capability to mobilize
fluorene to the aqueous phase, reducing the amount of fluorene in the
sewage sludge from 484.4 mg/Kg up to 413.7 mg/Kg and 196.0
mg/Kg after 1 and 27 days respectively. Furthermore, once the
fluorene was extracted the lipopeptide biosurfactant contained in the
aqueous phase allowed the biodegradation, up to 40.5% of the initial
concentration of this polycyclic aromatic hydrocarbon.
Abstract: 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: Over the past few years, a lot of research has been
conducted to bring Automatic Speech Recognition (ASR) into various
areas of Air Traffic Control (ATC), such as air traffic control
simulation and training, monitoring live operators for with the aim
of safety improvements, air traffic controller workload measurement
and conducting analysis on large quantities controller-pilot speech.
Due to the high accuracy requirements of the ATC context and its
unique challenges, automatic speech recognition has not been widely
adopted in this field. With the aim of providing a good starting
point for researchers who are interested bringing automatic speech
recognition into ATC, this paper gives an overview of possibilities
and challenges of applying automatic speech recognition in air traffic
control. To provide this overview, we present an updated literature
review of speech recognition technologies in general, as well as
specific approaches relevant to the ATC context. Based on this
literature review, criteria for selecting speech recognition approaches
for the ATC domain are presented, and remaining challenges and
possible solutions are discussed.
Abstract: High frequency automotive interior noise above 500
Hz considerably affects automotive passenger comfort. To reduce this
noise, sound insulation material is often laminated on body panels or
interior trim panels. For a more effective noise reduction, the sound
reduction properties of this laminated structure need to be estimated.
We have developed a new calculate tool that can roughly calculate the
sound absorption and insulation properties of laminate structure and
handy for designers. In this report, the outline of this tool and an
analysis example applied to floor mat are introduced.
Abstract: This paper discusses the propagation of sound waves in
air, specifically in narrow rectangular pathways of an occluded-ear
simulator for acoustic measurements. In narrow pathways, both the
speed of sound and the phase of the sound waves are affected by the
damping of the air viscosity. Herein, we propose a new finite-element
method (FEM) that considers the effects of the air viscosity. The
method was developed as an extension of existing FEMs for porous,
sound-absorbing materials. The results of a numerical calculation for a
three-dimensional ear-simulator model using the proposed FEM were
validated by comparing with theoretical lumped-parameter modeling
analysis and standard values.
Abstract: There is currently a gap in the technology covering the
rapid establishment of control after a reconfiguration in a
Reconfigurable Manufacturing System. This gap involves the
detection of the factory floor state and the communication link
between the factory floor and the high-level software. In this paper, a
thin, hardware-supported Middleware Management System (MMS) is
proposed and its design and implementation are discussed. The
research found that a cost-effective localization technique can be
combined with intelligent software to speed up the ramp-up of a
reconfigured system. The MMS makes the process more intelligent,
more efficient and less time-consuming, thus supporting the
industrial implementation of the RMS paradigm.
Abstract: Low Temperature Matrix Isolation - Electron
Paramagnetic Resonance (LTMI-EPR) Spectroscopy was utilized to
identify the species of iron oxide nanoparticles generated during the
oxidative pyrolysis of 1-methylnaphthalene (1-MN). The otherwise
gas-phase reactions of 1--MN were impacted by a polypropylenimine
tetra-hexacontaamine dendrimer complexed with iron (III) nitrate
nonahydrate diluted in air under atmospheric conditions. The EPR
fine structure of Fe (III)2O3 nanoparticles clusters, characterized by gfactors
of 2.00, 2.28, 3.76 and 4.37 were detected on a cold finger
maintained at 77 K after accumulation over a multitude of
experiments. Additionally, a high valence Fe (IV) paramagnetic
intermediate and superoxide anion-radicals, O2•- adsorbed on
nanoparticle surfaces in the form of Fe (IV) --- O2•- were detected
from the quenching area of Zone 1 in the gas-phase.
Abstract: New environmental regulations and the increasing
market preference for companies that respect the ecosystem had
encouraged the industry to look after new treatments for its effluents.
The sugar industry, one of the largest emitter of environmental
pollutants, follows this tendency. Membrane technology is
convenient for separation of suspended solids, colloids and high
molecular weight materials that are present in a wastewater from
sugar industry. The idea is to microfilter the wastewater, where the
permeate passes through the membrane and becomes available for
recycle and re-use in the sugar manufacturing process. For
microfiltration of this effluent a tubular ceramic membrane was used
with a pore size of 200 nm at transmembrane pressure in range of 1–3
bars and in range of flow rate of 50–150 l/h. Kenics static mixer was
used for permeate flux enhancement. Turbidity and suspended solids
were removed and the permeate flux was continuously monitored
during the microfiltration process. The flux achieved after 90 minutes
of microfiltration was in a range of 50–70 l/m2h. The obtained
turbidity decrease was in the range of 50-99 % and total amount of
suspended solids was removed.
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: In this paper, a new SMC (Sliding Mode Control)
method with MP (Model Predictive Control) integral action for the
slip suppression of EV (Electric Vehicle) under braking is proposed.
The proposed method introduce the integral term with standard SMC
gain , where the integral gain is optimized for each control period by
the MPC algorithms. The aim of this method is to improve the safety
and the stability of EVs under braking by controlling the wheel slip
ratio. There also include numerical simulation results to demonstrate
the effectiveness of the method.
Abstract: Industries produce millions of cubic meters of effluent
every year and the wastewater produced may be released into the
surrounding water bodies, treated on-site or at municipal treatment
plants. The determination of organic matter in the wastewater
generated is very important to avoid any negative effect on the
aquatic ecosystem. The scope of the present work is to assess the
physicochemical composition of the wastewater produced from one
of the brewery industry in South Africa. This is to estimate the
environmental impact of its discharge into the receiving water bodies
or the municipal treatment plant. The parameters monitored for the
quantitative analysis of brewery wastewater include biological
oxygen demand (BOD5), chemical oxygen demand (COD), total
suspended solids, volatile suspended solids, ammonia, total oxidized
nitrogen, nitrate, nitrite, phosphorus and alkalinity content. In
average, the COD concentration of the brewery effluent was 5340.97
mg/l with average pH values of 4.0 to 6.7. The BOD5 and the solids
content of the wastewater from the brewery industry were high. This
means that the effluent is very rich in organic content and its
discharge into the water bodies or the municipal treatment plant could
cause environmental pollution or damage the treatment plant. In
addition, there were variations in the wastewater composition
throughout the monitoring period. This might be as a result of
different activities that take place during the production process, as
well as the effects of peak period of beer production on the water
usage.
Abstract: The influence of physicochemical water quality
parameters on the abundance and diversity of caddisfly larvae was
studied in seven sampling stations in Mae Tao and Mae Ku
watersheds, Mae Sot District, Tak Province, northern Thailand. The
streams: MK2 and MK8 as reference site, and impacted streams
(MT1-MT5) were sampled bi-monthly during July 2011 to May
2012. A total of 4,584 individual of caddisfly larvae belonging to 10
family and 17 genera were found. The larvae of family
Hydropsychidae were the most abundance, followed by
Philopotamidae, Odontoceridae, and Leptoceridae, respectively. The
genus Cheumatopsyche, Hydropsyche, and Chimarra were the most
abundance genera in this study. Results of CCA ordination showed
the total dissolved solids, sulfate, water temperature, dissolved
oxygen and pH were the most important physicochemical factors to
affect distribution of caddisflies communities. Changes in the
caddisfly fauna may indicate changes in physicochemical factors
owing to agricultural pollution, urbanization, or other human
activities. Results revealed that the order Trichoptera, identified to
species or genus, can be potentially used to assess environmental
water quality status in freshwater ecosystems.
Abstract: Structure-borne noise is an important aspect of
offshore platform sound field. It can be generated either directly by
vibrating machineries induced mechanical force, indirectly by the
excitation of structure or excitation by incident airborne noise.
Therefore, limiting of the transmission of vibration energy
throughout the offshore platform is the key to control the structureborne
noise. This is usually done by introducing damping treatment
to the steel structures. Two types of damping treatment using onboard
are presented. By conducting a Statistical Energy Analysis
(SEA) simulation on a jack-up rig, the noise level in the source room,
the neighboring rooms, and remote living quarter cabins are
compared before and after the damping treatments been applied. The
results demonstrated that, in the source neighboring room and living
quarter area, there is a significant noise reduction with the damping
treatment applied, whereas in the source room where air-borne sound
predominates that of structure-borne sound, the impact is not
obvious. The conclusion on effective damping treatment in the
offshore platform is made which enable acoustic professionals to
implement noise control during the design stage for offshore crews’
hearing protection and habitant comfortability.
Abstract: The composite flour blend consisting of corn, pearl
millet, black gram and wheat bran in the ratio of 80:5:10:5 was taken
to prepare the extruded product and their effect on physical properties
of extrudate was studied. The extrusion process was conducted in
laboratory by using twin screw extruder. The physical characteristics
evaluated include lateral expansion, bulk density, water absorption
index, water solubility index, and rehydration ratio and moisture
retention. The Central Composite Rotatable Design (CCRD) was
used to decide the level of processing variables i.e. feed moisture
content (%), screw speed (rpm), and barrel temperature (oC) for the
experiment. The data obtained after extrusion process were analyzed
by using response surface methodology. A second order polynomial
model for the dependent variables was established to fit the
experimental data. The numerical optimization studies resulted in
127°C of barrel temperature, 246 rpm of screw speed, and 14.5% of
feed moisture as optimum variables to produce acceptable extruded
product. The responses predicted by the software for the optimum
process condition resulted in lateral expansion 126%, bulk density
0.28 g/cm3, water absorption index 4.10 g/g, water solubility index
39.90%, rehydration ratio 544% and moisture retention 11.90% with
75% desirability.
Abstract: The development of transport systems has negative
impacts on the environment although it has beneficial effects on
society. The car policy caused many problems such as: - the
spectacular growth of fuel consumption hence the very vast increase
in urban pollution, traffic congestion in certain places and at certain
times, the increase in the number of accidents. The exhaust emissions
from cars and weather conditions are the main factors that determine
the level of pollution in urban atmosphere. These conditions lead to
the phenomenon of heat transfer and radiation occurring between the
air and the soil surface of any town. These exchanges give rise, in
urban areas, to the effects of heat islands that correspond to the
appearance of excess air temperature between the city and its
surrounding space. In this object, we perform a numerical simulation
of the plume generated by the cars exhaust gases and show that these
gases form a screening effect above the urban city which cause the
heat island in the presence of wind flow. This study allows us: 1. To
understand the different mechanisms of interactions between these
phenomena.2. To consider appropriate technical solutions to mitigate
the effects of the heat island.
Abstract: Wireless Sensor Networks (WSNs) enable new
applications and need non-conventional paradigms for the protocol
because of energy and bandwidth constraints, In WSN, sensor node’s
life is a critical parameter. Research on life extension is based on
Low-Energy Adaptive Clustering Hierarchy (LEACH) scheme,
which rotates Cluster Head (CH) among sensor nodes to distribute
energy consumption over all network nodes. CH selection in WSN
affects network energy efficiency greatly. This study proposes an
improved CH selection for efficient data aggregation in sensor
networks. This new algorithm is based on Bacterial Foraging
Optimization (BFO) incorporated in LEACH.
Abstract: The spindle system is one of the most important
components of machine tool. The dynamic properties of the spindle
affect the machining productivity and quality of the work pieces.
Thus, it is important and necessary to determine its dynamic
characteristics of spindles in the design and development in order to
avoid forced resonance. The finite element method (FEM) has been
adopted in order to obtain the dynamic behavior of spindle system.
For this reason, obtaining the Campbell diagrams and determining the
critical speeds are very useful to evaluate the spindle system
dynamics. The unbalance response of the system to the center of
mass unbalance at the cutting tool is also calculated to investigate the
dynamic behavior. In this paper, we used an ANSYS Parametric
Design Language (APDL) program which based on finite element
method has been implemented to make the full dynamic analysis and
evaluation of the results. Results show that the calculated critical
speeds are far from the operating speed range of the spindle, thus, the
spindle would not experience resonance, and the maximum
unbalance response at operating speed is still with acceptable limit.
ANSYS Parametric Design Language (APDL) can be used by spindle
designer as tools in order to increase the product quality, reducing
cost, and time consuming in the design and development stages.
Abstract: This study analyzes the critical gaps in the
architecture of European stability and the expected role of the
banking union as the new important step towards completing the
Economic and Monetary Union that should enable the creation of
safe and sound financial sector for the euro area market. The single
rulebook together with the Single Supervisory Mechanism and the
Single Resolution Mechanism - as two main pillars of the banking
union, should provide a consistent application of common rules and
administrative standards for supervision, recovery and resolution of
banks – with the final aim of replacing the former bail-out practice
with the bail-in system through which possible future bank failures
would be resolved by their own funds, i.e. with minimal costs for
taxpayers and real economy. In this way, the vicious circle between
banks and sovereigns would be broken. It would also reduce the
financial fragmentation recorded in the years of crisis as the result of
divergent behaviors in risk premium, lending activities and interest
rates between the core and the periphery. In addition, it should
strengthen the effectiveness of monetary transmission channels, in
particular the credit channels and overflows of liquidity on the money
market which, due to the fragmentation of the common financial
market, has been significantly disabled in period of crisis. However,
contrary to all the positive expectations related to the future
functioning of the banking union, major findings of this study
indicate that characteristics of the economic system in which the
banking union will operate should not be ignored. The euro area is an
integration of strong and weak entities with large differences in
economic development, wealth, assets of banking systems, growth
rates and accountability of fiscal policy. The analysis indicates that
low and unbalanced economic growth remains a challenge for the
maintenance of financial stability and this problem cannot be
resolved just by a single supervision. In many countries bank assets
exceed their GDP by several times and large banks are still a matter
of concern, because of their systemic importance for individual
countries and the euro zone as a whole. The creation of the Single
Supervisory Mechanism and the Single Resolution Mechanism is a
response to the European crisis, which has particularly affected
peripheral countries and caused the associated loop between the
banking crisis and the sovereign debt crisis, but has also influenced
banks’ balance sheets in the core countries, as the result of crossborder
capital flows. The creation of the SSM and the SRM should
prevent the similar episodes to happen again and should also provide
a new opportunity for strengthening of economic and financial
systems of the peripheral countries. On the other hand, there is a
potential threat that future focus of the ECB, resolution mechanism
and other relevant institutions will be extremely oriented towards
large and significant banks (whereby one half of them operate in the
core and most important euro area countries), and therefore it remains
questionable to what extent will the common resolution funds will be used for rescue of less important institutions. Recent geopolitical
developments will be the optimal indicator to show whether the
previously established mechanisms are sufficient enough to maintain
the adequate financial stability in the euro area market.
Abstract: Different designs of attenuator systems have been
studied in this research; new analysis have been done on existed
designs considering fibers effect on air flow; it was comprehended
that, at fibers presence, there is an air flow which agglomerates fibers
as a negative effect. So some new representations have been designed
and CFD analysis has been done on them. Afterwards, one of these
representations selected as the most optimum and effective design
which is brought in this paper.