Abstract: One of the most important tasks in the risk
management is the correct determination of probability of default
(PD) of particular financial subjects. In this paper a possibility of
determination of financial institution’s PD according to the creditscoring
models is discussed. The paper is divided into the two parts.
The first part is devoted to the estimation of the three different
models (based on the linear discriminant analysis, logit regression
and probit regression) from the sample of almost three hundred US
commercial banks. Afterwards these models are compared and
verified on the control sample with the view to choose the best one.
The second part of the paper is aimed at the application of the chosen
model on the portfolio of three key Czech banks to estimate their
present financial stability. However, it is not less important to be able
to estimate the evolution of PD in the future. For this reason, the
second task in this paper is to estimate the probability distribution of
the future PD for the Czech banks. So, there are sampled randomly
the values of particular indicators and estimated the PDs’ distribution,
while it’s assumed that the indicators are distributed according to the
multidimensional subordinated Lévy model (Variance Gamma model
and Normal Inverse Gaussian model, particularly). Although the
obtained results show that all banks are relatively healthy, there is
still high chance that “a financial crisis” will occur, at least in terms
of probability. This is indicated by estimation of the various quantiles
in the estimated distributions. Finally, it should be noted that the
applicability of the estimated model (with respect to the used data) is
limited to the recessionary phase of the financial market.
Abstract: Many quality models have been used to measure egovernment
portals quality. However, the absence of an international
consensus for e-government portals quality models results in many
differences in terms of quality attributes and measures. The aim of
this paper is to compare and analyze the existing e-government
quality models proposed in literature (those that are based on ISO
standards and those that are not) in order to propose guidelines to
build a good and useful e-government portals quality model. Our
findings show that, there is no e-government portal quality model
based on the new international standard ISO 25010. Besides that, the
quality models are not based on a best practice model to allow
agencies to both; measure e-government portals quality and identify
missing best practices for those portals.
Abstract: In the second decade of the XXI century the role of
tourism destination attractiveness is becoming increasingly important
for destination management. Competition in tourism market moves
from ordinary service quality to provision of unforgettable emotional
experience for tourists. The main purpose of the present study is to
identify the perception of the tourism destinations based on the
number of factors related to its tourist attractiveness.
The content analysis method was used to analyze the on-line
tourist feedback data immensely available in Social Media and in
travel related sites. The collected data made it possible to procure the
information which is necessary to understand the perceived
attractiveness of the destinations and key destination appeal factors
that are important for Russian leisure travelers.
Results of the present study demonstrate key attractiveness factors
or destination ‘properties’ that were unveiled as the most important
for Russian leisure tourists. The study targeted five main Spanish
tourism destinations that initially were determined by in-depth
interview with a number of Russian nationals who had visited Spain
at least once.
The research results can be useful for Spanish Tourism
Organization Representation office in Russia as well as for the other
national tourism organizations in order to promote their respective
destinations for Russian travelers focusing on main attractiveness
factors identified in this study.
Abstract: The crude oil in an oil well exists in various phases
such as gas, seawater, and sand, as well as oil. Therefore, a phase
separator is needed at the front of a single-phase pump for
pressurization and transfer. On the other hand, the application of a
multiphase pump can provide such advantages as simplification of the
equipment structure and cost savings, because there is no need for a
phase separation process. Therefore, the crude oil transfer method
using a multiphase pump is being applied to recently developed oil
wells. Due to this increase in demand, technical demands for the
development of multiphase pumps are sharply increasing, but the
progress of research into related technologies is insufficient, due to the
nature of multiphase pumps that require high levels of skills. This
study was conducted to verify the reliability of pump performance
evaluation using numerical analysis, which is the basis of the
development of a multiphase pump. For this study, a model was
designed by selecting the specifications of this study. The performance
of the designed model was evaluated through numerical analysis and
experiment. The results of the performance evaluation were compared
to verify the reliability of the result using numerical analysis.
Abstract: Hydrogenated amorphous carbon (a-C:H) films have
been synthesized by a radio frequency plasma enhanced chemical
vapor deposition (rf-PECVD) technique with different bias voltage
from 0.0 to -0.5 kV. The Raman spectra displayed the polymer-like
hydrogenated amorphous carbon (PLCH) film with 0.0 to -0.1 and
a-C:H films with -0.2 to -0.5 kV of bias voltages. The surface chemical
information of all films were studied by X-ray photoelectron
spectroscopy (XPS) technique, presented to C-C (sp2 and sp3) and C-O
bonds, and relative carbon (C) and oxygen (O) atomics contents. The
O contamination had affected on structure and optical properties. The
true density of PLCH and a-C:H films were characterized by X-ray
refractivity (XRR) method, showed the result as in the range of
1.16-1.73 g/cm3 that depending on an increasing of bias voltage. The
hardness was proportional to the true density of films. In addition, the
optical properties i.e. refractive index (n) and extinction coefficient (k)
of these films were determined by a spectroscopic ellipsometry (SE)
method that give formation to in 1.62-2.10 (n) and 0.04-0.15 (k)
respectively. These results indicated that the optical properties
confirmed the Raman results as presenting the structure changed with
applied bias voltage increased.
Abstract: One of the biggest challenges facing Theological/
Religious Education in Nigeria is access to quality learning materials.
For instance at the Trinity (Union) Theological College, Umuahia, it
was difficult for lecturers to access suitable and qualitative materials
for instruction especially the ones that would suit the African context
and stimulate a deep rooted interest among the students. Some
textbooks written by foreign authors were readily available in the
School Library, but were lacking in the College bookshops for
students to own copies. Even when the College was able to order
some of the books from abroad, it did not usher in the needed
enthusiasm expected from the students because they were either very
expensive or very difficult to understand during private studies. So it
became necessary to develop contextual materials which were
affordable and understandable, though with little success. The
National Open University of Nigeria (NOUN)’s innovation in the
development and sharing of learning resources through its Open
Courseware is a welcome development and of great assistance to
students. Apart from NOUN students who could easily access the
materials, many others from various theological/religious institutes
across the nation have benefited immensely. So, the thesis of this
paper is that the promotion of open educational resources in
theological/religious education in Nigeria would facilitate a better
informed/equipped religious leadership, which would in turn impact
its adherents for a healthier society and national development.
Adopting a narrative and historical approach within the context of
Nigeria’s educational system, the paper discusses: educational
traditions in Nigeria; challenges facing theological/religious
education in Nigeria; and benefits of open educational resources. The
study goes further to making recommendations on how OER could
positively influence theological/religious education in Nigeria. It is
expected that theologians, religious educators, and ODL practitioners
would find this work very useful.
Abstract: Aluminium and its alloys have excellent corrosion
resistant properties, ease of fabrication and high specific strength to
weight ratio. In this investigation an attempt has been made to study
the effect of different post weld heat treatment methods on the
mechanical and metallurgical properties of TIG welded joints of the
commercial aluminium alloy. Three different methods of post weld
heat treatments are solution heat treatment, artificial ageing and
combination of solution heat treatment and artificial aging are given
to TIG welded aluminium joints. Mechanical and metallurgical
properties of As welded joints of the aluminium alloys and post weld
heat treated joints of the aluminium alloys were examined.
Abstract: Esterification of p-bromo-m-cresol led to formation of
2-(4-bromo-3-methylphenoxy)acetate (1). 2-(4-Bromo-3-methyl
phenoxy)acetohydrazide (2) is derived from Compound (1) by
hydrazination. Compound (2) was reacted with different aromatic
aldehydes to yield N-(substituted benzylidiene)-2-(4-bromo-3-methyl
phenoxy)acetamide(3a-c). Cyclization of compound (3a-c) with
thioglycolic acid yielded 2-(4-bromo-3-methylphenoxy)-N-(4-oxo-2-
arylthiazolidin-3-yl) acetamide (4a-c). The newly synthesized
compounds were characterized on the basis of spectral studies and
evaluated for antibacterial and antifungal activities.
Abstract: Due to the large amount of information in the World
Wide Web (WWW, web) and the lengthy and usually linearly
ordered result lists of web search engines that do not indicate
semantic relationships between their entries, the search for topically
similar and related documents can become a tedious task. Especially,
the process of formulating queries with proper terms representing
specific information needs requires much effort from the user. This
problem gets even bigger when the user's knowledge on a subject and
its technical terms is not sufficient enough to do so. This article
presents the new and interactive search application DocAnalyser that
addresses this problem by enabling users to find similar and related
web documents based on automatic query formulation and state-ofthe-
art search word extraction. Additionally, this tool can be used to
track topics across semantically connected web documents.
Abstract: In this paper, we have proposed a parallel IDS and
honeypot based approach to detect and analyze the unknown and
known attack taxonomy for improving the IDS performance and
protecting the network from intruders. The main theme of our
approach is to record and analyze the intruder activities by using both
the low and high interaction honeypots. Our architecture aims to
achieve the required goals by combing signature based IDS,
honeypots and generate the new signatures. The paper describes the
basic component, design and implementation of this approach and
also demonstrates the effectiveness of this approach to reduce the
probability of network attacks.
Abstract: Kigelia africana (Lam.) Benth. (Bignoniaceae) is a
reputed traditional remedy for various human ailments such as skin
diseases, microbial infections, melanoma, stomach troubles,
metabolic disorders, malaria and general pains. In spite of the fruit
being widely used for purposes related to its antibacterial and
antifungal properties, the chemical constituents associated with the
activity have not been fully identified. To elucidate the active
principles, we evaluated the antimicrobial activity of fruit extracts
and purified fractions against Staphylococcus aureus, Enterococcus
faecalis, Moraxella catarrhalis, Escherichia coli, Candida albicans
and Candida tropicalis. Shade-dried fruits were powdered and
extracted with hydroalcoholic (1:1) mixture by soaking at room
temperature for 72 h. The crude extract was further fractionated by
column chromatography, with successive elution using hexane,
dichloromethane, ethyl acetate, acetone and methanol. The
dichloromethane and ethyl acetate fractions were combined and
subjected to column chromatography to furnish a wax and oil from
the eluates of 20% and 40% ethyl acetate in hexane, respectively. The
GC-MS and GC×GC-MS results revealed that linoleic acid, linolenic
acid, palmitic acid, arachidic acid and stearic acid were the major
constituents in both oil and wax. The crude hydroalcoholic extract
exhibited the strongest activity with MICs of 0.125-0.5 mg/mL,
followed by the ethyl acetate (MICs = 0.125-1.0 mg/mL),
dichloromethane (MICs = 0.250-2.0 mg/mL), hexane (MICs = 0.25-
2.0 mg/mL), acetone (MICs = 0.5-2.0 mg/mL) and methanol (MICs =
1.0-2.0 mg/mL), whereas the wax (MICs = 2.0-4.0 mg/mL) and oil
(MICs = 4.0-8.0 mg/mL) showed poor activity. The study concludes
that synergistic interactions of chemical constituents could be
responsible for the antimicrobial activity of K. africana fruits, which
needs a more holistic approach to understand the mechanism of its
antimicrobial activity.
Abstract: The study identified the socio-economic and
demographic factors of both married and unmarried females in third
world countries. Almost all the countries have same problems but we
have selected Pakistan as a sample country. The main purpose of this
study was to examine which factors forced women to participate in
labor market. So the best technique of data collection was survey of
both married and unmarried females between the ages of 20 to 49.
Two models (probit and logit) were used to analyze the factors which
effect on FLFP. The result showed that some factors e.g. age;
education and marital status have significant effect on FLFP. The
findings showed that educated women and those who belong to joint
families are more participate because of financial pressure.
Abstract: The reachable set bounding estimation for distributed
delay systems with disturbances is a new problem. In this paper,we
consider this problem subject to not only time varying delay and
polytopic uncertainties but also distributed delay systems which is
not studied fully untill now. we can obtain improved non-ellipsoidal
reachable set estimation for neural networks with time-varying delay
by the maximal Lyapunov-Krasovskii fuctional which is constructed
as the pointwise maximum of a family of Lyapunov-Krasovskii
fuctionals corresponds to vertexes of uncertain polytope.On the other
hand,matrix inequalities containing only one scalar and Matlabs
LMI Toolbox is utilized to give a non-ellipsoidal description of the
reachable set.finally,numerical examples are given to illustrate the
existing results.
Abstract: Robotics provides answers to amputees. The most
expensive solutions surgically connect the prosthesis to nerve endings.
There are also several types of non-invasive technologies that recover
nerve messages passing through the muscles. After analyzing these
messages, myoelectric prostheses perform the desired movement.
The main goal is to avoid all surgeries, which can be heavy and offer
cheaper alternatives. For an amputee, we use valid muscles to recover
the electrical signal involved in a muscle movement. EMG sensors
placed on the muscle allows us to measure a potential difference,
which our program transforms into control for a robotic arm with two
degrees of freedom. We have shown the feasibility of non-invasive
prostheses with two degrees of freedom. Signal analysis and an
increase in degrees of freedom is still being improved.
Abstract: Nations are still finding it quite difficult to win mega
sport competitions despite the major contribution of sport to society
in terms of social and economic development, personal health, and in
education. Even though the world of sports has been transformed into
a huge global economy, it is important to note that the first step of
sport is usually its introduction to children at school through physical
education or PE. In other words, nations who do not win mega sport
competitions also suffer from a weak and neglected PE system. This
problem of the neglect of PE systems is the main motivation of this
research aimed at examining the factors affecting the perceived
awareness of physical education teachers on the ICTs that are
adoptable for the teaching and learning of physical education. Two
types of research objectives will materialize this aim: relevant
theories will be identified in relation to the analysis of the perceived
ICT awareness of PE teachers and subsequent models will be
compiled and designed from existing literature; the empirical testing
of such theories and models will also be achieved through the survey
of PE teachers from the Camperdown magisterial district of the
KwaZulu-Natal province of South Africa. The main hypothesis at the
heart of this study is the relationship between the demographics of PE
teachers, their behavior both as individuals and as social entities, and
their perceived awareness of the ICTs that are adoptable for PE, as
postulated by existing literature; except that this study categorizes
human behavior under performance expectancy, computer attitude,
and social influence. This hypothesis was partially confirmed by the
survey conducted by this research in the sense that performance
expectancy and teachers’ age, gender, computer usage, and class size
were found to be the only factors affecting their awareness of ICTs
for physical education.
Abstract: The world wide web network is a network with a
complex topology, the main properties of which are the distribution
of degrees in power law, A low clustering coefficient and a weak
average distance. Modeling the web as a graph allows locating the
information in little time and consequently offering a help in the
construction of the research engine. Here, we present a model based
on the already existing probabilistic graphs with all the aforesaid
characteristics. This work will consist in studying the web in order to
know its structuring thus it will enable us to modelize it more easily
and propose a possible algorithm for its exploration.
Abstract: The development of the agricultural sector in Ghana
has been reliant on the use of irrigation systems to ensure food
security. However, the manual operation of these systems has not
facilitated their maximum efficiency due to human limitations.
This paper seeks to address this problem by designing and
implementing an efficient, cost effective automated system which
monitors and controls the water flow of irrigation through
communication with an authorized operator via text messages. The
automatic control component of the system is timer based with an
Atmega32 microcontroller and a real time clock from the SM5100B
cellular module. For monitoring purposes, the system sends periodic
notification of the system on the performance of duty via SMS to the
authorized person(s). Moreover, the GSM based Irrigation
Monitoring and Control System saves time and labour and reduces
cost of operating irrigation systems by saving electricity usage and
conserving water.
Field tests conducted have proven its operational efficiency and
ease of assessment of farm irrigation equipment due to its costeffectiveness
and data logging capabilities.
Abstract: Different services based on different switching
techniques in wireless networks leads to drastic changes in the
properties of network traffic. Because of these diversities in services,
network traffic is expected to undergo qualitative and quantitative
variations. Hence, assumption of traffic characteristics and the
prediction of network events become more complex for the wireless
networks. In this paper, the traffic characteristics have been studied
by collecting traces from the mobile switching centre (MSC). The
traces include initiation and termination time, originating node, home
station id, foreign station id. Traffic parameters namely, call interarrival
and holding times were estimated statistically. The results
show that call inter-arrival and distribution time in this wireless
network is heavy-tailed and follow gamma distributions. They are
asymptotically long-range dependent. It is also found that the call
holding times are best fitted with lognormal distribution. Based on
these observations, an analytical model for performance estimation is
also proposed.
Abstract: Renewable energy is derived from natural processes
that are replenished constantly. Included in the definition is
electricity and heat generated from solar, wind, ocean, hydropower,
biomass, geothermal resources, and bio-fuels and hydrogen derived
from renewable resources. Each of these sources has unique
characteristics which influence how and where they are used. This
paper presents the modeling the simulation of solar and hydro hybrid
energy sources in MATLAB/SIMULINK environment. It simulates
all quantities of Hybrid Electrical Power system (HEPS) such as AC
output current of the inverter that injected to the load/grid, load
current, grid current. It also simulates power output from PV and
Hydraulic Turbine Generator (HTG), power delivered to or from grid
and finally power factor of the inverter for PV, HTG and grid. The
proposed circuit uses instantaneous p-q (real-imaginary) power
theory.
Abstract: In this paper a scheme is proposed for generating
a programmable current reference which can be implemented
in the CMOS technology. The current can be varied over a
wide range by changing an external voltage applied to one
of the control gates of FGMOS (Floating Gate MOSFET).
For a range of supply voltages and temperature, CMOS
current reference is found to be dependent, this dependence
is compensated by subtracting two current outputs with the
same dependencies on the supply voltage and temperature.
The system performance is found to improve with the
use of FGMOS. Mathematical analysis of the proposed
circuit is done to establish supply voltage and temperature
independence. Simulation and performance evaluation of the
proposed current reference circuit is done using TANNER
EDA Tools. The current reference shows the supply and
temperature dependencies of 520 ppm/V and 312 ppm/oC,
respectively. The proposed current reference can operate down
to 0.9 V supply.