Abstract: While financial institutions have faced difficulties
over the years for a multitude of reasons, the major cause of serious
banking problems continues to be directly related to lax credit
standards for borrowers and counterparties, poor portfolio risk
management, or a lack of attention to changes in economic or other
circumstances that can lead to a deterioration in the credit standing of
a bank's counterparties. Credit risk is most simply defined as the
potential that a bank borrower or counterparty will fail to meet its
obligations in accordance with agreed terms. The goal of credit risk
management is to maximize a bank's risk-adjusted rate of return by
maintaining credit risk exposure within acceptable parameters. Banks
need to manage the credit risk inherent in the entire portfolio as well
as the risk in individual credits or transactions. Banks should also
consider the relationships between credit risk and other risks. The
effective management of credit risk is a critical component of a
comprehensive approach to risk management and essential to the
long-term success of any banking organization. In this research we
also study the relationship between credit risk indices and borrower-s
timely payback in Karafarin bank.
Abstract: There is lot of work done in prediction of the fault proneness of the software systems. But, it is the severity of the faults that is more important than number of faults existing in the developed system as the major faults matters most for a developer and those major faults needs immediate attention. In this paper, we tried to predict the level of impact of the existing faults in software systems. Neuro-Fuzzy based predictor models is applied NASA-s public domain defect dataset coded in C programming language. As Correlation-based Feature Selection (CFS) evaluates the worth of a subset of attributes by considering the individual predictive ability of each feature along with the degree of redundancy between them. So, CFS is used for the selecting the best metrics that have highly correlated with level of severity of faults. The results are compared with the prediction results of Logistic Models (LMT) that was earlier quoted as the best technique in [17]. The results are recorded in terms of Accuracy, Mean Absolute Error (MAE) and Root Mean Squared Error (RMSE). The results show that Neuro-fuzzy based model provide a relatively better prediction accuracy as compared to other models and hence, can be used for the modeling of the level of impact of faults in function based systems.
Abstract: Among the chemicals used for ammunition production, TNT (Trinitrotoluene) play a significant role since World War I and II. Various types of military weapon utilize TNT in casting process. However, the TNT casting process for warhead is difficult to control the cooling rate of the liquid TNT. This problem occurs because the casting process lacks the equipment to detect the temperature during the casting procedure This study presents the temperature detected by infrared camera to illustrate the cooling rate and cooling zone of curing, and demonstrates the optimization of TNT condition to reduce the risk of air gap occurred in the warhead which can result in the destruction afterward. Premature initiation of explosive-filled projectiles in response to set-back forces during gunfiring cause by casting defects. Finally the study can help improving the process of the TNT casting. The operators can control the curing of TNT inside the case by rising up the heating rod at the proper time. Consequently this can reduce tremendous time of rework if the air gaps occur and increase strength to lower elastic modulus. Therefore, it can be clearly concluded that the use of Infrared Cameras in this process is another method to improve the casting procedure.
Abstract: In this paper a controller for the pitch angle of an
aircraft regarding to the elevator deflection angle is designed.
The way how the elevator angle affects pitching motion of the
aircraft is pointed out, as well as, how a pitch controller can be
applied for the aircraft to reach certain pitch angle. In this digital
optimal system, the elevator deflection angle and pitching angle
of the plane are considered to be input and output respectively.
A single input single output (SISO) system is presented. A
digital pitch aircraft control is demonstrated. A simulation for
the whole system has been performed. The optimal control
weighting vectors, Q and R have been determined.
Abstract: This paper discusses a genetic algorithm (GA) based optimal load shedding that can apply for electrical distribution networks with and without dispersed generators (DG). Also, the proposed method has the ability for considering constant and variable capacity deficiency caused by unscheduled outages in the bulked generation and transmission system of bulked power supply. The genetic algorithm (GA) is employed to search for the optimal load shedding strategy in distribution networks considering DGs in two cases of constant and variable modelling of bulked power supply of distribution networks. Electrical power distribution systems have a radial network and unidirectional power flows. With the advent of dispersed generations, the electrical distribution system has a locally looped network and bidirectional power flows. Therefore, installed DG in the electrical distribution systems can cause operational problems and impact on existing operational schemes. Introduction of DGs in electrical distribution systems has introduced many new issues in operational and planning level. Load shedding as one of operational issue has no exempt. The objective is to minimize the sum of curtailed load and also system losses within the frame-work of system operational and security constraints. The proposed method is tested on a radial distribution system with 33 load points for more practical applications.
Abstract: The objective of the research was focused on the
design, development and evaluation of a sustainable web based
network system to be used as an interoperable environment for
University process workflow and document management. In this
manner the most of the process workflows in Universities can be
entirely realized electronically and promote integrated University.
Definition of the most used University process workflows enabled
creating electronic workflows and their execution on standard
workflow execution engines. Definition or reengineering of
workflows provided increased work efficiency and helped in having
standardized process through different faculties. The concept and the
process definition as well as the solution applied as Case study are
evaluated and findings are reported.
Abstract: The information revealed by derivatives can help to
better characterize digital near-end crosstalk signatures with the
ultimate goal of identifying the specific aggressor signal.
Unfortunately, derivatives tend to be very sensitive to even low
levels of noise. In this work we approximated the derivatives of both
quiet and noisy digital signals using a wavelet-based technique. The
results are presented for Gaussian digital edges, IBIS Model digital
edges, and digital edges in oscilloscope data captured from an actual
printed circuit board. Tradeoffs between accuracy and noise
immunity are presented. The results show that the wavelet technique
can produce first derivative approximations that are accurate to
within 5% or better, even under noisy conditions. The wavelet
technique can be used to calculate the derivative of a digital signal
edge when conventional methods fail.
Abstract: The nature of consumer products causes the difficulty
in forecasting the future demands and the accuracy of the forecasts
significantly affects the overall performance of the supply chain
system. In this study, two data mining methods, artificial neural
network (ANN) and support vector machine (SVM), were utilized to
predict the demand of consumer products. The training data used was
the actual demand of six different products from a consumer product
company in Thailand. The results indicated that SVM had a better
forecast quality (in term of MAPE) than ANN in every category of
products. Moreover, another important finding was the margin
difference of MAPE from these two methods was significantly high
when the data was highly correlated.
Abstract: The breakdown strength characteristic of Low Density
Polyethylene films (LDPE) under DC voltage application and the
effect of water absorption have been studied. Mainly, our experiment
was investigated under two conditions; dry and heavy water
absorption. Under DC ramp voltage, the result found that the
breakdown strength under heavy water absorption has a lower value
than dry condition. In order to clarify the effect, the temperature rise of
film was observed using non contact thermograph until the occurrence
of the electrical breakdown and the conduction current of the sample
was also measured in correlation with the thermograph measurement.
From the observations, it was shown that under the heavy water
absorption, the hot spot in the samples appeared at lower voltage. At
the same voltage the temperature of the hot spot and conduction
current was higher than that under the dry condition. The measurement
result has a good correlation between the existence of a critical field
for conduction current and thermograph observation. In case of the
heavy water absorption, the occurrence of the threshold field was
earlier than the dry condition as result lead to higher of conduction
current and the temperature rise appears after threshold field was
significantly increased in increasing of field. The higher temperature
rise was caused by the higher current conduction as the result the
insulation leads to breakdown to the lower field application.
Abstract: To study on effect of PEG and NaCl stress on
germination and early seedling stages on two cultivar of corn, two
separated experiment were laid out at physiology laboratory, faculty
of Agriculture, Razi University, Kermanshah, Iran in 2009. This
investigation was performed as factorial experiment under Complete
Randomized Design (CRD) with three replications. Cultivar factor
contains of two varieties (sweet corn SC403 and Flint corn SC704)
and five levels of stress (0, -2, -4, -6 and -8 bar). The principal aim of
current study was to compare the two varieties of maize in relative to
the stress conditions. Results indicated that significant decrease was
observed in percentage of germination, germination rate, length of
radicle and plumule and radicle and plumule dry matter. On the basis
of the results, NaCl as compared with PEG had more effect on
germination and early seedling stage and sweet corn had more
resistant than flint corn in both stress conditions.
Abstract: The purpose of the experiments described in this article was the comparison of integrated fixed film activated sludge (IFAS) and activated sludge (AS) system. The IFAS applied system consists of the cigarette filter rods (wasted filter in tobacco factories) as a biofilm carrier. The comparison with activated sludge was performed by two parallel treatment lines. Organic substance, ammonia and TP removal was investigated over four month period. Synthetic wastewater was prepared with ordinary tap water and glucose as the main sources of carbon and energy, plus balanced macro and micro nutrients. COD removal percentages of 94.55%, and 81.62% were achieved for IFAS and activated sludge system, respectively. Also, ammonia concentration significantly decreased by increasing the HRT in both systems. The average ammonia removal of 97.40 % and 96.34% were achieved for IFAS and activated sludge system, respectively. The removal efficiency of total phosphorus (TP-P) was 60.64%, higher than AS process by 56.63% respectively.
Abstract: This paper presents an innovative approach within the area of Group Decision Support System (GDSS) by using tools based on intelligent agents. It introduces iGDSS, a software platform for decision support and collaboration and an application of this platform - eCollaborative Decisions - for academic environment, all these developed within a framework of a research project.
Abstract: The purposes of this research are: 1) to study the media
literacy of early teenagers, and 2) to study the interaction between
gender and timing of media exposure that affects the media literacy
of teenagers. The sample of the study included 400 young people
aged between 11 to 17 and who were living in Bangkok. The data
was collected using questionnaires. Two-way ANOVA was used in
analyzing the collected data. The result revealed that gender and
timing of media exposure affected the media literacy of early
teenagers with statistical significance at the level of 0.05.
Abstract: This paper presents a new fingerprint coding technique
based on contourlet transform and multistage vector quantization.
Wavelets have shown their ability in representing natural images that
contain smooth areas separated with edges. However, wavelets
cannot efficiently take advantage of the fact that the edges usually
found in fingerprints are smooth curves. This issue is addressed by
directional transforms, known as contourlets, which have the
property of preserving edges. The contourlet transform is a new
extension to the wavelet transform in two dimensions using
nonseparable and directional filter banks. The computation and
storage requirements are the major difficulty in implementing a
vector quantizer. In the full-search algorithm, the computation and
storage complexity is an exponential function of the number of bits
used in quantizing each frame of spectral information. The storage
requirement in multistage vector quantization is less when compared
to full search vector quantization. The coefficients of contourlet
transform are quantized by multistage vector quantization. The
quantized coefficients are encoded by Huffman coding. The results
obtained are tabulated and compared with the existing wavelet based
ones.
Abstract: International markets driven forces are changing
continuously, therefore companies need to gain a competitive edge in
such markets. Improving the company's products, processes and
practices is no longer auxiliary. Lean production is a production
management philosophy that consolidates work tasks with minimum
waste resulting in improved productivity. Lean production practices
can be mapped into many production areas. One of these is
Manufacturing Equipment and Technology (MET). Many lean
production practices can be implemented in MET, namely, specific
equipment configurations, total preventive maintenance, visual
control, new equipment/ technologies, production process
reengineering and shared vision of perfection.The purpose of this
paper is to investigate the implementation level of these six practices
in Jordanian industries. To achieve that a questionnaire survey has
been designed according to five-point Likert scale. The questionnaire
is validated through pilot study and through experts review. A sample
of 350 Jordanian companies were surveyed, the response rate was
83%. The respondents were asked to rate the extent of
implementation for each of practices. A relationship conceptual
model is developed, hypotheses are proposed, and consequently the
essential statistical analyses are then performed. An assessment tool
that enables management to monitor the progress and the
effectiveness of lean practices implementation is designed and
presented. Consequently, the results show that the average
implementation level of lean practices in MET is 77%, Jordanian
companies are implementing successfully the considered lean
production practices, and the presented model has Cronbach-s alpha
value of 0.87 which is good evidence on model consistency and
results validation.
Abstract: Meeting users- requirements is one of predictors of project success. There should be a match between the expectations of the users and the perception of key project personnel with respect to usability and functionality. The aim of this study is to make a comparison of key project personnel-s and potential users- (customer representatives) evaluations of the relative importance of usability and functionality factors in a software design project. Analytical Network Process (ANP) was used to analyze the relative importance of the factors. The results show that navigation and interaction are the most significant factors,andsatisfaction and efficiency are the least important factors for both groups. Further, it can be concluded that having similar orders and scores of usability and functionality factors for both groups shows that key project personnel have captured the expectations and requirements of potential users accurately.
Abstract: There are different kinds of online systems on the Internet for people who need support and develop new knowledge. Online communities and Ask the Expert systems are two such systems. In the health care area, the number of users of these systems has increased at a rapid pace. Interactions with medical trained experts take place online, and people with concerns about similar health problems come together to share experiences and advice. The systems are also used as storages and browsed for health information. Over the years, studies have been conducted of the usage of the different systems. However, in what ways the systems can be used together to enhance learning has not been explored. This paper presents results from a study of online health-communities and an Ask the Expert system for people who suffer from overweight. Differences and similarities in regards to posted issues and replies are discussed, and suggestions for a new holistic design of the two systems are presented.
Abstract: This study, focusing on the importance of encouraging
outdoor activities for children, aims to propose and implement a Web-GIS based outdoor education program for junior high schools,
which will then be evaluated by users. Specifically, for the purpose of improved outdoor activities in the junior high school education, the
outdoor education program, with chiefly using the Web-GIS that provides a good information provision and sharing tool, is proposed
and implemented before being evaluated by users. The conclusion of
this study can be summarized in the following two points.
(1) A five -step outdoor education program based on Web-GIS was
proposed for a “second school" at junior high schools that was then implemented before being evaluated by teachers as users.
(2) Based on the results of evaluation by teachers, it was clear that the general operation of Web-GIS based outdoor education program with them only is difficult due to their lack of knowledge regarding Web-GIS and that support staff who can effectively utilize Web-GIS are essential.
Abstract: Self-organizing map (SOM) provides both clustering and visualization capabilities in mining data. Dynamic self-organizing maps such as Growing Self-organizing Map (GSOM) has been developed to overcome the problem of fixed structure in SOM to enable better representation of the discovered patterns. However, in mining large datasets or historical data the hierarchical structure of the data is also useful to view the cluster formation at different levels of abstraction. In this paper, we present a technique to generate concept trees from the GSOM. The formation of tree from different spread factor values of GSOM is also investigated and the quality of the trees analyzed. The results show that concept trees can be generated from GSOM, thus, eliminating the need for re-clustering of the data from scratch to obtain a hierarchical view of the data under study.
Abstract: Biodiesel is traditionally produced from oleaginous
plants. On the other hand, increasing biodiesel production from these
raw materials could create problems of food supply. Producing
biodiesel from microalgae could help to overcome this difficulty,
because microalgae are rich in lipids and do not compete for arable
lands. However, no studies had compared vegetable and microalgae
oil-based biodiesel in terms of yield, viscosity and heat of
combustion. In the present study, commercial canola and microalgae
oil were therefore transesterified with methanol under a homogenous
alkali catalyst (potassium hydroxide) at 100oC for 1h. The result
showed that microalgae-based oil has a higher yield in biodiesel with
89.7% (g biodiesel/g oil) and a lower kinematic viscosity (22oC) of
4.31 mm/s2 than canola oil.