Abstract: Financial literacy is one of the key factors needed in making informed financial decisions. As businesses continue to be more profit driven, more financial and economic intrigues arise that continue to put individuals at the risk of spending more and more without considering the short term and long term effects. We conducted a study to assess financial literacy and financial decision making among Emiratis. Our results show that financial literacy is lacking among Emiratis. Also, almost half of respondents owe loans to other peoples and 1/5 of them have bank loans. We expect that the outcome of this research will be useful for designing educational programs and policies to promote financial planning and security among Emiratis. We also posit that deeper and more informed understanding of this problem is a precursor for developing effective financial education programs with the aim of improving financial decision- making among Emiratis.
Abstract: The production of a plant can be measured in terms of
seeds. The generation of seeds plays a critical role in our social and
daily life. The fruit production which generates seeds, depends on the
various parameters of the plant, such as shoot length, leaf number,
root length, root number, etc When the plant is growing, some leaves
may be lost and some new leaves may appear. It is very difficult to
use the number of leaves of the tree to calculate the growth of the
plant.. It is also cumbersome to measure the number of roots and
length of growth of root in several time instances continuously after
certain initial period of time, because roots grow deeper and deeper
under ground in course of time. On the contrary, the shoot length of
the tree grows in course of time which can be measured in different
time instances. So the growth of the plant can be measured using the
data of shoot length which are measured at different time instances
after plantation. The environmental parameters like temperature, rain
fall, humidity and pollution are also play some role in production of
yield. The soil, crop and distance management are taken care to
produce maximum amount of yields of plant. The data of the growth
of shoot length of some mustard plant at the initial stage (7,14,21 &
28 days after plantation) is available from the statistical survey by a
group of scientists under the supervision of Prof. Dilip De. In this
paper, initial shoot length of Ken( one type of mustard plant) has
been used as an initial data. The statistical models, the methods of
fuzzy logic and neural network have been tested on this mustard
plant and based on error analysis (calculation of average error) that
model with minimum error has been selected and can be used for the
assessment of shoot length at maturity. Finally, all these methods
have been tested with other type of mustard plants and the particular
soft computing model with the minimum error of all types has been
selected for calculating the predicted data of growth of shoot length.
The shoot length at the stage of maturity of all types of mustard
plants has been calculated using the statistical method on the
predicted data of shoot length.
Abstract: Speech corpus is one of the major components in a
Speech Processing System where one of the primary requirements
is to recognize an input sample. The quality and details captured
in speech corpus directly affects the precision of recognition. The
current work proposes a platform for speech corpus generation using
an adaptive LMS filter and LPC cepstrum, as a part of an ANN
based Speech Recognition System which is exclusively designed to
recognize isolated numerals of Assamese language- a major language
in the North Eastern part of India. The work focuses on designing an
optimal feature extraction block and a few ANN based cooperative
architectures so that the performance of the Speech Recognition
System can be improved.
Abstract: Quantitative measurements of tumor in general and tumor volume in particular, become more realistic with the use of Magnetic Resonance imaging, especially when the tumor morphological changes become irregular and difficult to assess by clinical examination. However, tumor volume estimation strongly depends on the image segmentation, which is fuzzy by nature. In this paper a fuzzy approach is presented for tumor volume segmentation based on the fuzzy connectedness algorithm. The fuzzy affinity matrix resulting from segmentation is then used to estimate a fuzzy volume based on a certainty parameter, an Alpha Cut, defined by the user. The proposed method was shown to highly affect treatment decisions. A statistical analysis was performed in this study to validate the results based on a manual method for volume estimation and the importance of using the Alpha Cut is further explained.
Abstract: ISO 9000 is the most popular and widely adopted meta-standard for quality and operational improvements. However, only limited empirical research has been conducted to examine the impact of ISO 9000 on operational performance based on objective and longitudinal data. To reveal any causal relationship between the adoption of ISO 9000 and operational performance, we examined the timing and magnitude of change in time-based performance as a result of ISO 9000 adoption. We analyzed the changes in operating cycle, inventory days, and account receivable days prior and after the implementation of ISO 9000 in 695 publicly listed manufacturing firms. We found that ISO 9000 certified firms shortened their operating cycle time by 5.28 days one year after the implementation of ISO 9000. In the long-run (3 years after certification), certified firms showed continuous improvement in time-based efficiency, and experienced a shorter operating cycle time of 11 days than that of non-certified firms. There was an average of 6.5% improvement in operating cycle time for ISO 9000 certified firms. Both inventory days and account receivable days showed similar significant improvements after the implementation of ISO 9000, too.
Abstract: The paper presents a compressor anti-surge control
system, that results in maximizing compressor throughput with
pressure standard deviation reduction, increased safety margin
between design point and surge limit line and avoiding possible
machine surge. Alternative control strategies are presented.
Abstract: The prediction of Software quality during development life cycle of software project helps the development organization to make efficient use of available resource to produce the product of highest quality. “Whether a module is faulty or not" approach can be used to predict quality of a software module. There are numbers of software quality prediction models described in the literature based upon genetic algorithms, artificial neural network and other data mining algorithms. One of the promising aspects for quality prediction is based on clustering techniques. Most quality prediction models that are based on clustering techniques make use of K-means, Mixture-of-Guassians, Self-Organizing Map, Neural Gas and fuzzy K-means algorithm for prediction. In all these techniques a predefined structure is required that is number of neurons or clusters should be known before we start clustering process. But in case of Growing Neural Gas there is no need of predetermining the quantity of neurons and the topology of the structure to be used and it starts with a minimal neurons structure that is incremented during training until it reaches a maximum number user defined limits for clusters. Hence, in this work we have used Growing Neural Gas as underlying cluster algorithm that produces the initial set of labeled cluster from training data set and thereafter this set of clusters is used to predict the quality of test data set of software modules. The best testing results shows 80% accuracy in evaluating the quality of software modules. Hence, the proposed technique can be used by programmers in evaluating the quality of modules during software development.
Abstract: The major aim of this paper is to investigate the opposition politics in Africa. The paper also examines the status and the role, the contributions and the weaknesses of opposition1 political parties in Africa, particularly in transitional democracies that emerged in the 1990s. In Africa, many of the opposition parties appear or become active only during an election, and disappear when the election is over. It is found out that most of the opposition parties in Africa are established around the personalities of individuals, lack internal democracy, suffer from inter-party and intra-party conflicts, have severe shortage of finance, and lack strong base and experience. Their weaknesses also include bad organization and weak connection with the popular constituencies. The paper concludes that most of the weaknesses of the African opposition parties emanate from the incumbents- hostile policies, which are mostly aimed at fragmenting and weakening the opposition groups.
Abstract: Flour from Mucuna beans (Mucuna pruriens) were
used in producing texturized meat analogue using a single screw
extruder to monitor modifications on the proximate composition and
the functional properties at high moisture level. Response surface
methodology based on Box Behnken design at three levels of barrel
temperature (110, 120, 130°C), screw speed (100,120,140rpm) and
feed moisture (44, 47, 50%) were used in 17 runs. Regression models
describing the effect of variables on the product responses were
obtained. Descriptive profile analyses and consumer acceptability
test were carried out on optimized flavoured extruded meat analogue.
Responses were mostly affected by barrel temperature and moisture
level and to a lesser extent by screw speed. Optimization results
based on desirability concept indicated that a barrel temperature of
120.15°C, feed moisture of 47% and screw speed of 119.19 rpm
would produce meat analogue of preferable proximate composition,
functional and sensory properties which reveals consumers` likeness
for the product.
Abstract: Petrology and geochemical characteristics of granitic
rocks from South Sulawesi, especially from Polewaliand Masamba
area are presented in order to elucidate their origin of magma and
geodynamic setting. The granitic rocks in these areas are dominated by
granodiorite and granite in composition. Quartz, K-feldspar and
plagioclase occur as major phases with hornblende and biotite as
major ferromagnesian minerals. All of the samples were plotted in
calc-alkaline field, show metaluminous affinity and typical of I-type
granitic rock. Harker diagram indicates that granitic rocks experienced
fractional crystallization during magmatic evolution. Both groups
displayed an extreme enrichment of LILE, LREE and a slight negative
Eu anomaly which resemble upper continental crust affinity. They
were produced from partial melting of upper continental crust and
have close relationship of sources composition within a suite. The
geochemical characteristics explained the arc related subduction
environment which later give an evidence of continent-continent
collision between Australia-derived microcontinent and Sundalandto
form continental arc environment.
Abstract: In order to provide and maintain effective pedagogy for the burgeoning virtual reality community, it is vital to have trained faculty in the institutions of higher education who will teach these courses and be able to make full use of their academic knowledge and expertise. As the number of online courses continues to grow, there is a need for these institutions to establish mentoring programs that will support the novice online instructor. The environment in which this takes place and the factors that ensure its success are critical to the adoption of the new instructional delivery format taught by both seasoned educators and adjunct instructors. Effective one-on-one mentoring promotes a professional, compassionate and collegial faculty who will provide a consistent and rigorous academic program for students online.
Abstract: In this study, the powders of Ni and Ti with 50.5 at.%
Ni for 12 h were blended and cold pressed at the different pressures
(50, 75 and100 MPa).The porous product obtained after Ni-Ti
compacts were synthesized by SHS (self-propagating hightemperature
synthesis) in the different preheating temperatures (200,
250 and 300oC) and heating rates (30, 60 and 90oC/min). The effects
of the pressure, preheating temperature and heating rate were
investigated on biocompatibility in vivo. The porosity in the
synthesized products was in the range of 50.7–59.7 vol. %. The
pressure, preheating temperature and heating rate were found to have
an important effect on the biocompatibility in-vivo of the synthesized
products. Max. fibrotic tissue within the porous implant was found in
vivo periods (6 months), in which compacting pressure 100MPa.
Abstract: When a high DC voltage is applied to a capacitor with
strongly asymmetrical electrodes, it generates a mechanical force that
affects the whole capacitor. This is caused by the motion of ions generated around the smaller of the two electrodes and their subsequent interaction with the surrounding medium. If one of the electrodes is heated, it changes the conditions around the capacitor
and influences the process of ionisation, thus changing the value of the generated force. This paper describes these changes and gives
reasons behind them. Further the experimental results are given as proof of the ionic mechanism of the phenomenon.
Abstract: In this paper, an efficient structural approach for
recognizing on-line handwritten digits is proposed. After reading
the digit from the user, the slope is estimated and normalized for
adjacent nodes. Based on the changing of signs of the slope values,
the primitives are identified and extracted. The names of these
primitives are represented by strings, and then a finite state
machine, which contains the grammars of the digits, is traced to
identify the digit. Finally, if there is any ambiguity, it will be
resolved. Experiments showed that this technique is flexible and
can achieve high recognition accuracy for the shapes of the digits
represented in this work.
Abstract: The prologue of new High Voltage (HV) transmission
mains into the community necessitates earthing design to ensure
safety compliance of the system. Conductive structures such as steel
or concrete poles are widely used in HV transmission mains. The
earth potential rise (EPR) generated by a fault on these structures
could result to an unsafe condition. This paper discusses information
on the input impedance of the over head earth wire (OHEW) system
for finite and infinite transmission mains. The definition of finite and
infinite system is discussed, maximum EPR due to pole fault. The
simplified equations for EPR assessments are introduced and
discussed for the finite and infinite conditions. A case study is also
shown.
Abstract: In this paper, we present an analytical framework for the evaluation of the uplink performance of multihop cellular networks based on dynamic time division duplex (TDD). New wireless broadband protocols, such as WiMAX, WiBro, and 3G-LTE apply TDD, and mobile communication protocols under standardization (e.g., IEEE802.16j) are investigating mobile multihop relay (MMR) as a future technology. In this paper a novel MMR TDD scheme is presented, where the dynamic range of the frame is shared to traffic resources of asymmetric nature and multihop relaying. The mobile communication channel interference model comprises of inner and co-channel interference (CCI). The performance analysis focuses on the uplink due to the fact that the effects of dynamic resource allocation show significant performance degradation only in the uplink compared to time division multiple access (TDMA) schemes due to CCI [1-3], where the downlink results to be the same or better.The analysis was based on the signal to interference power ratio (SIR) outage probability of dynamic TDD (D-TDD) and TDMA systems,which are the most widespread mobile communication multi-user control techniques. This paper presents the uplink SIR outage probability with multihop results and shows that the dynamic TDD scheme applying MMR can provide a performance improvement compared to single hop applications if executed properly.
Abstract: The use of artificial neural network (ANN) modeling
for prediction and forecasting variables in water resources
engineering are being increasing rapidly. Infrastructural applications
of ANN in terms of selection of inputs, architecture of networks,
training algorithms, and selection of training parameters in different
types of neural networks used in water resources engineering have
been reported. ANN modeling conducted for water resources
engineering variables (river sediment and discharge) published in
high impact journals since 2002 to 2011 have been examined and
presented in this review. ANN is a vigorous technique to develop
immense relationship between the input and output variables, and
able to extract complex behavior between the water resources
variables such as river sediment and discharge. It can produce robust
prediction results for many of the water resources engineering
problems by appropriate learning from a set of examples. It is
important to have a good understanding of the input and output
variables from a statistical analysis of the data before network
modeling, which can facilitate to design an efficient network. An
appropriate training based ANN model is able to adopt the physical
understanding between the variables and may generate more effective
results than conventional prediction techniques.
Abstract: Droughts are complex, natural hazards that, to a
varying degree, affect some parts of the world every year. The range
of drought impacts is related to drought occurring in different stages
of the hydrological cycle and usually different types of droughts,
such as meteorological, agricultural, hydrological, and socioeconomical
are distinguished. Streamflow drought was analyzed by
the method of truncation level (at 70% level) on daily discharges
measured in 54 hydrometric stations in southwestern Iran. Frequency
analysis was carried out for annual maximum series (AMS) of
drought deficit volume and duration series. Some factors including
physiographic, climatic, geologic, and vegetation cover were studied
as influential factors in the regional analysis. According to the results
of factor analysis, six most effective factors were identified as area,
rainfall from December to February, the percent of area with
Normalized Difference Vegetation Index (NDVI)
Abstract: It is well known that Logistic Regression is the gold
standard method for predicting clinical outcome, especially
predicting risk of mortality. In this paper, the Decision Tree method
has been proposed to solve specific problems that commonly use
Logistic Regression as a solution. The Biochemistry and
Haematology Outcome Model (BHOM) dataset obtained from
Portsmouth NHS Hospital from 1 January to 31 December 2001 was
divided into four subsets. One subset of training data was used to
generate a model, and the model obtained was then applied to three
testing datasets. The performance of each model from both methods
was then compared using calibration (the χ2 test or chi-test) and
discrimination (area under ROC curve or c-index). The experiment
presented that both methods have reasonable results in the case of the
c-index. However, in some cases the calibration value (χ2) obtained
quite a high result. After conducting experiments and investigating
the advantages and disadvantages of each method, we can conclude
that Decision Trees can be seen as a worthy alternative to Logistic
Regression in the area of Data Mining.
Abstract: Over 90% of the world trade is carried by the
international shipping industry. As most of the countries are
developing, seaborne trade continues to expand to bring benefits for
consumers across the world. Studies show that world trade will
increase 70-80% through shipping in the next 15-20 years. Present
global fleet of 70000 commercial ships consumes approximately 200
million tonnes of diesel fuel a year and it is expected that it will be
around 350 million tonnes a year by 2020. It will increase the
demand for fuel and also increase the concentration of CO2 in the
atmosphere. So, it-s essential to control this massive fuel
consumption and CO2 emission. The idea is to utilize a diesel-wind
hybrid system for ship propulsion. Use of wind energy by installing
modern wing-sails in ships can drastically reduce the consumption of
diesel fuel. A huge amount of wind energy is available in oceans.
Whenever wind is available the wing-sails would be deployed and
the diesel engine would be throttled down and still the same forward
speed would be maintained. Wind direction in a particular shipping
route is not same throughout; it changes depending upon the global
wind pattern which depends on the latitude. So, the wing-sail
orientation should be such that it optimizes the use of wind energy.
We have made a computer programme in which by feeding the data
regarding wind velocity, wind direction, ship-motion direction; we
can find out the best wing-sail position and fuel saving for
commercial ships. We have calculated net fuel saving in certain
international shipping routes, for instance, from Mumbai in India to
Durban in South Africa. Our estimates show that about 8.3% diesel
fuel can be saved by utilizing the wind. We are also developing an
experimental model of the ship employing airfoils (small scale wingsail)
and going to test it in National Wind Tunnel Facility in IIT
Kanpur in order to develop a control mechanism for a system of
airfoils.