Analysis of Supply Side Factors Affecting Bank Financing of Non-Oil Exports in Nigeria

The banking sector poses a lot of problems in Nigeria in general and the non-oil export sector in particular. The banks' lack effectiveness in handling small, medium or long-term credit risk (lack of training of loan officers, lack of information on borrowers and absence of a reliable credit registry) results in non-oil exporters being burdened with high requirements, such as up to three years of financial statements, enough collateral to cover both the loan principal and interest (including a cash deposit that may be up to 30% of the loans' net present value), and to provide every detail of the international trade transaction in question. The stated problems triggered this research. Consequently, information on bank financing of non-oil exports was collected from 100 respondents from the 20 Deposit Money Banks (DMBs) in Nigeria. The data was analysed by the use of descriptive statistics correlation and regression. It is found that, Nigerian banks are participants in the financing of non-oil exports. Despite their participation, the rate of interest for credit extended to non-oil export is usually high, ranging between 15-20%. Small and medium sized non-oil export businesses lack the credit history for banks to judge them as reputable. Banks also consider the non-oil export sector very risky for investment. The banks actually do grant less credit than the exporters may require and therefore are not properly funded by banks. Banks grant very low volume of foreign currency loan in addition to, unfavorable exchange rate at which Naira is exchanged to the Dollar and other currencies in the country. This makes importation of inputs costly and negatively impacted on the non-oil export performance in Nigeria.

Optimising Data Transmission in Heterogeneous Sensor Networks

The transfer rate of messages in distributed sensor network applications is a critical factor in a system's performance. The Sensor Abstraction Layer (SAL) is one such system. SAL is a middleware integration platform for abstracting sensor specific technology in order to integrate heterogeneous types of sensors in a network. SAL uses Java Remote Method Invocation (RMI) as its connection method, which has unsatisfying transfer rates, especially for streaming data.  This paper analyses different connection methods to optimize data transmission in SAL by replacing RMI.  Our results show that the most promising Java-based connections were frameworks for Java New Input/Output (NIO) including Apache MINA, JBoss Netty, and xSocket. A test environment was implemented to evaluate each respective framework based on transfer rate, resource usage, and scalability. Test results showed the most suitable connection method to improve data transmission in SAL JBoss Netty as it provides a performance enhancement of 68%.

Novel Process Formulation of Multiple Unit Tablet of Pantoprazole

The present invention relates to multiple-unit tablet dosage forms, which is composed of several subunits (multiparticulates/pellets). Each small multiparticulate further composed of many layers. Some layer contains drug substance; others are rate controlling polymer. The resulting multiple-unit tablet dosage forms of pantoprazole were satisfactory fabricated. Pelletization technique has some advantages over coated tablet formulation. In coated tablet the coating may be damaged and a pinhole possibly formed that would result in increased release of drug in stomach and may be deactivated in stomach juices. If the coat of some pellets may be damaged that would not affect the release properties of the multiple-unit tablet. Hence they are beneficial in this aspect. The results confirmed the successful preparation of stable and bioequivalent once daily controlled release multiple-unit tablets of pantoprazole.

Formation of Byproducts during Regeneration of Various Graphitic Adsorbents in a Batch Electrochemical Reactor

A water treatment technology employing the adsorption of dissolved organic contaminants from water and their electrochemical regeneration has been commercialized by Arvia Technology Ltd, UK. This technology focuses the adsorption of pollutants onto the surface of low surface area graphite based adsorbents followed by the anodic oxidation of adsorbed species in an electrochemical cell. However, some of the adsorbed species may lead to the formation of intermediate breakdown products due to incomplete oxidation. The information regarding the formation of breakdown products during electrochemical regeneration of these adsorbents is important for the effective application of this process to water treatment. In the present paper, the formation of the break down products during electrochemical regeneration of various graphite based adsorbents has been demonstrated.

Effect of Feeding Systems on Meat Goat CLA

The objective of this study was to investigate the effect of tropical forage source and feeding system on fatty acid composition and antioxidant activity in meat goats. Twenty male crossbred goats (Boer x Saanen), were included in the current study and the study design was assigned to be a 2 x 3 factorial in completely randomized design. All goats were slaughtered after 120 days of experimental period. Dietary tropical roughage sources were grass (Mulata II) and legume (Verano stylo). Both types of roughage were offered to the experimental meat goat as 3 feeding regimes; cut-and-carry, silage and grazing. All goats were fed basal concentrate diet at 1.5% of body weight, and they were fed ad libitum the roughages.Chemical composition, fatty acid profile and antioxidation activity of dietary treatments in all feeding system and longissimus dorsi (LD) muscles in all groups were quantified. The results have shown that the fat content in both types of studied roughage sources ranged from about 2.0% to 4.0% of DM and the fatty acid composition of those was mainly C16:0, C18:2n6 and C18:3n3, with less proportion for C18:1n9. The free-radical scavenging activity of the Mulato II was lower than that of the Verano stylo. The free-radical scavenging activity of the Mulato II was lower than that of the Verano stylo. For LD muscle, the fatty acid composition was mainly C16:0, C18:0 and C18:1n9, with less proportion for C18:2n6. The LD muscle of the goats fed with Mulato II and the Verano stylo by grazing had highest free-radical scavenging activity, compared to those fed with cut-and-carry and silage regime, although there were rather high unsaturated fatty acids in LD muscle. Thus, feeding the meat goats with the Mulato II and Verano stylo by grazing would be beneficial effect for consumers to intake high unsaturated fatty acids and lower risk for oxidation from goat meat.

CMOS-Compatible Deposited Materials for Photonic Layers Integrated above Electronic Integrated Circuit

Silicon photonics has generated an increasing interest in recent years mainly for optical communications optical interconnects in microelectronic circuits or bio-sensing applications. The development of elementary passive and active components (including detectors and modulators), which are mainly fabricated on the silicon on insulator platform for CMOS-compatible fabrication, has reached such a performance level that the integration challenge of silicon photonics with microelectronic circuits should be addressed. Since crystalline silicon can only be grown from another silicon crystal, making it impossible to deposit in this state, the optical devices are typically limited to a single layer. An alternative approach is to integrate a photonic layer above the CMOS chip using back-end CMOS fabrication process. In this paper, various materials, including silicon nitride, amorphous silicon, and polycrystalline silicon, for this purpose are addressed.

Financing Decision and Productivity Growth for the Venture Capital Industry Using High-Order Fuzzy Time Series

Human society, there are many uncertainties, such as economic growth rate forecast of the financial crisis, many scholars have, since the the Song Chissom two scholars in 1993 the concept of the so-called fuzzy time series (Fuzzy Time Series)different mode to deal with these problems, a previous study, however, usually does not consider the relevant variables selected and fuzzy process based solely on subjective opinions the fuzzy semantic discrete, so can not objectively reflect the characteristics of the data set, in addition to carrying outforecasts are often fuzzy rules as equally important, failed to consider the importance of each fuzzy rule. For these reasons, the variable selection (Factor Selection) through self-organizing map (Self-Organizing Map, SOM) and proposed high-end weighted multivariate fuzzy time series model based on fuzzy neural network (Fuzzy-BPN), and using the the sequential weighted average operator (Ordered Weighted Averaging operator, OWA) weighted prediction. Therefore, in order to verify the proposed method, the Taiwan stock exchange (Taiwan Stock Exchange Corporation) Taiwan Weighted Stock Index (Taiwan Stock Exchange Capitalization Weighted Stock Index, TAIEX) as experimental forecast target, in order to filter the appropriate variables in the experiment Finally, included in other studies in recent years mode in conjunction with this study, the results showed that the predictive ability of this study further improve.

Decolorization and COD Removal of Palm Oil Mill Wastewater by Electrocoagulation

The objective of this study is to investigate the performance of the electrocoagulation process for color and COD removal in palm oil wastewater using a 10 L batch reactor. Iron was used as electrodes and the distance between electrodes was 2 cm. The effects of operating parameters: current voltage (6, 12 and 18 volt), reaction time (5, 15, 30, 45 and 60 min) and initial pH (4 and 9) of treatment efficiency were examine. The result showed that decolorization and COD removal efficiency increased with the increase in current voltage and reaction time. The proper condition for decolorization achieved at initial pH 4 and 9 were current voltage of 12 volt, reaction time 30 min. The decolorization efficiency reached 90.4% and 88.9%, respectively. COD removal was achiveved at current voltage 12 volt, reaction time 15 min. COD removal efficiency was 89.2 % and 83.0%, respectively. From the results, to show electrocoagulation process can treat palm oil mill wastewater in both acidic and basic condition at high efficiency for color and COD removal. Consequently, electrocoagulation process can be used or applied as a post-treatment step to improve the quality of the final discharge in term of color and residual COD removal.

Highly Efficient Silicon Photomultiplier for Positron Emission Tomography Application

A silicon photomultiplier (SiPM) was designed, fabricated and characterized. The SiPM was based on SACM (Separation of Absorption, Charge and Multiplication) structure, which was optimized for blue light detection in application of positron emission tomography (PET). The achieved SiPM array has a high geometric fill factor of 64% and a low breakdown voltage of about 22V, while the temperature dependence of breakdown voltage is only 17mV/°C. The gain and photon detection efficiency of the device achieved were also measured under illumination of light at 405nm and 460nm wavelengths. The gain of the device is in the order of 106. The photon detection efficiency up to 60% has been observed under 1.8V overvoltage.

Study of Carbon Monoxide Oxidation in a Monolithic Converter

Combustion of fuels in industrial and transport sector has lead to an alarming release of polluting gases to the atmosphere. Carbon monoxide is one such pollutant, which is formed as a result of incomplete oxidation of the fuel. In order to analyze the effect of catalyst on the reduction of CO emissions to the atmosphere, two catalysts Mn2O3 and Hopcalite are considered. A model was formed based on mass and energy balance equations. Results show that Hopcalite catalyst as compared to Mn2O3 catalyst helped in faster conversion of the polluting gas as the operating temperature of the hopcalite catalyst is much lower as compared to the operating temperature of Mn2O3 catalyst.

Effect of Euphorbia Pulcherrima Leaf and Inflorescence Extract on Various Cytomorphological Parameters of Aspergillus fumigatus

Microorganisms can be removed, inhibited or killed by physical agents, physical processes or chemical agents but they have their inherent disadvantages such as increased resistance against antibiotics etc. Since, plants have endless ability to synthesize aromatic substances which act as the master agents for plant defense mechanisms against microorganisms, insects and herbivores. Thus, secondary metabolites or phytochemicals obtained from plants can be used as agents of disease control nowadays. In the present study effect of different concentrations of acetone fraction of leaves and alcohol fraction of inflorescence of Euphorbia pulcherrima on various cytomorphological parameters i.e. cell number, mycelium width, conidial size, conidiophore size etc. of Aspergillus fumigatus has been studied. Change in mycelium/ hyphal cell width, conidium size, conidiophore size etc. was measured with the help of a previously calibrated oculometer. To study effect on morphology, fungal mycelium along with conidiophore and conidia were stained with cotton blue and mounted in lactophenol and observed microscopically. Inhibitory action of the acetone extract of Euphorbia pulcherrima leaf on growth of Aspergillus fumigatus was investigated. Control containing extract free medium supported profuse growth of the fungus. Although decrease in growth was observed even at 3.95μg/ml but significant inhibition of growth was started at7.81μg/ml concentration of the extract. Complete inhibition was observed at 15.62μg/ml and above. Microscopic examination revealed that at 3.95, 7.81 and 15.62μg/ml extract concentration hyphal cell width was found to be increased from 1.44μm in control to 3.86, 5.24 and 8.98 μm respectively giving a beaded appearance to the mycelium. Vesicle size was reduced from 24.78x20.08μm (control) to 11.34x10.06μm at 3.95μg/ml concentration. At 7.81 and 15.62μg/ml concentration no phialides and sterigmata were observed. Inhibitory action of the alcohol extract of inflorescence on the growth of Aspergillus fumigatus was also studied. Control containing extract free medium supported profuse growth of the fungus. Although decrease in growth was observed even at 3.95μg/ml but complete inhibition was observed at 62.5μg/ml and above. Microscopic examination revealed that hyphal cell width of Aspergillus fumigatus was found to be increased from 1.67μm in control to 5.84μm at MIC i.e. at 62.5μg/ml. Vesicle size was reduced from 44.76x 24.22μm (control) to 11.36x 6.80μm at 15.62μg/ml concentrations. At 31.25 μg/ml and 62.5μg/ml concentration no phialides and sterigmata was found. Spore germination was completely found to be inhibited at 3.95μg/ml concentration. Similarly 92.87% reduction in vesicle size was observed at 15.62μg/ml concentration. It is evident from the results that plant extracts inhibit fungal growth and this inhibition is concentration dependent. 

Sexual Health and Reproductive Ageing among Rural Women of Marrakech (Morocco)

The reproductive aging of women is a biological process which is expressed by the loss of ovarian function and therefore the loss of the possibility of procreation. The present work aims to evaluate the effect of menopause on sexual health of rural women and to examine the determinants of female sexuality after menopause. A survey was conducted among 527 women in the rural area of Marrakech. The average age of women was 51.92 ± 7.24 years. It appears from this study that sexual activity in menopausal women decreases with age, 20% of women had no sexual activity after menopause. 72% of respondents reported having sex by obligation, 71% of women say they are not satisfied with their sexuality, while 29 % are very satisfied. The most common sexual complaints are represented by the decreased libido (81%), vaginal dryness (54%), and pain (22,7%). Of the 511 women with sexual dysfunction, only 34 (6, 4%) consulted for this disorder. Many factors may influence sex include menopause and all the biological changes but also the roles of culture, social constructions and perception of sexuality after menopause are complicated.

Factors Affecting the Citizen’s Intention to Adopt E-government in Saudi Arabia

This paper discusses E-government, in particular the challenges that face its development and widespread adoption in Saudi Arabia. E-government can be defined based on an existing set of requirements. E-government has been implemented for a considerable time in developed countries. However, E-government services still face many challenges in their implementation and general adoption in Saudi Arabia. In addition, the literature review and the discussion identify the influential factors, such as quality of service, diffusion of innovation, computer and information literacy, culture, lack of awareness, technical infrastructure, website design, and security, that affect the citizens’ intention to adopt E-government services in Saudi Arabia. Consequently, these factors have been integrated in a new model that would influence citizen to adopt E- government services. Therefore, this research presents an integrated model for ascertaining the intention to adopt E-government services and thereby aiding governments in accessing what is required to increase adoption.

The Link between Ergonomics and Occupational Diseases

Ergonomics is a useful tool for creating a healthy and safe workplace. The long-term action of harmful conditions on the health of workers is the emergence of occupational disease, and the firm-s increased compensation costs associated with these diseases, but is also the loss of time needed for educating and including new workers in the work process. The article deals with the link of ergonomics to occupational diseases, factors which influence these diseases. In the conclusion, a model is described to help reduce the risk of selected occupational diseases using ergonomic principles and knowledge.

An Optical Sensing Film for Fe(III) Determination Based on 1,1′- diethyl 2,2′- cyanine Iodide Immobilized in Nafion Film

An optical chemical sensing film based on immobilizing of 1,1′- diethyl 2,2′-cyanine (pseudocyanine iodide) in nafion film was developed for the determination of Fe(III). The sensing film was homogeneous, transparent, and mechanically stable. Decrease of the absorbance measured at 518 nm was observed when the sensing film was immersed in a solution of Fe(III). The optimum response of the sensing film to Fe(III) was obtained in a solution with pH 4.0. Linear calibration curve over an Fe(III) concentration range of 1-30 ppm with a limit of detection of 0.71 ppm was obtained. Cd(II) is the major interference. The sensing film exhibited good stability for 2 months and high reproducibility. The proposed method was applied for the determination of Fe(III) in water samples with satisfactory results.

Learning Flexible Neural Networks for Pattern Recognition

Learning the gradient of neuron's activity function like the weight of links causes a new specification which is flexibility. In flexible neural networks because of supervising and controlling the operation of neurons, all the burden of the learning is not dedicated to the weight of links, therefore in each period of learning of each neuron, in fact the gradient of their activity function, cooperate in order to achieve the goal of learning thus the number of learning will be decreased considerably. Furthermore, learning neurons parameters immunes them against changing in their inputs and factors which cause such changing. Likewise initial selecting of weights, type of activity function, selecting the initial gradient of activity function and selecting a fixed amount which is multiplied by gradient of error to calculate the weight changes and gradient of activity function, has a direct affect in convergence of network for learning.

Novel Security Strategy for Real Time Digital Videos

Now a days video data embedding approach is a very challenging and interesting task towards keeping real time video data secure. We can implement and use this technique with high-level applications. As the rate-distortion of any image is not confirmed, because the gain provided by accurate image frame segmentation are balanced by the inefficiency of coding objects of arbitrary shape, with a lot factors like losses that depend on both the coding scheme and the object structure. By using rate controller in association with the encoder one can dynamically adjust the target bitrate. This paper discusses about to keep secure videos by mixing signature data with negligible distortion in the original video, and to keep steganographic video as closely as possible to the quality of the original video. In this discussion we propose the method for embedding the signature data into separate video frames by the use of block Discrete Cosine Transform. These frames are then encoded by real time encoding H.264 scheme concepts. After processing, at receiver end recovery of original video and the signature data is proposed.

Real Time Detection, Tracking and Recognition of Medication Intake

In this paper, the detection and tracking of face, mouth, hands and medication bottles in the context of medication intake monitoring with a camera is presented. This is aimed at recognizing medication intake for elderly in their home setting to avoid an inappropriate use. Background subtraction is used to isolate moving objects, and then, skin and bottle segmentations are done in the RGB normalized color space. We use a minimum displacement distance criterion to track skin color regions and the R/G ratio to detect the mouth. The color-labeled medication bottles are simply tracked based on the color space distance to their mean color vector. For the recognition of medication intake, we propose a three-level hierarchal approach, which uses activity-patterns to recognize the normal medication intake activity. The proposed method was tested with three persons, with different medication intake scenarios, and gave an overall precision of over 98%.

Inulin and Fructooligosaccharides Incorporated Functional Fruit Bars

Papaya and banana bars were developed incorporating inulin (IN) and fructooligosaccharides (FOS) (Liquid and Powder form) in various proportions. The control bars were standardized using 70% fruit pulp, 30% sugar, 0.3% citric acid while the treated bars were standardized with 70% fruit pulp, 15% sugar, 15% of IN and FOS and 0.3% citric acid. Among the various proportions tested, papaya bars with 90% FOS (Powder) + 10% IN and banana bars with 90% FOS (liquid) + 10% IN were sensorially best accepted. The study revealed that addition of IN and FOS improved the sensory scores. The Physico-chemical and proximatecomposition analysis revealed slight changes in brix°, total sugars, reducing sugars, nonreducing sugars, moisture, protein, fat, vitamin C, ash, iron, zinc, calcium and crude fibre between control and treated fruit bars. Further the glycemic index of papaya bar was reduced from 65 to 54 when treated with FOS and IN.

Optimal Controller with Backstepping and BELBIC for Single-Link Flexible Manipulator

In this paper, backstepping method (BM) is proposed for a single-link flexible mechanical manipulator. In each step of this method a positive value is obtained. Selections of the gain factor values are very important because controller will have different behavior for each different set of values. Improper selection of these gains can lead to instability of the system. In order to choose proper values for gains BELBIC method has been used in this work. Finally, to prove the efficiency of this method, the obtained results of proposed model are compared with robust controller one. Results show that the combination of backstepping and BELBIC that is presented here, can stabilized the system with higher speed, shorter settling time and lower overshoot in than robust controller.