Factors Influence Depositors- Withdrawal Behavior in Islamic Banks: A Theory of Reasoned Action

Unlike its conventional counterpart, Islamic principles forbid Islamic banks to take any interest-related income and thus makes deposits from depositors as an important source of fund for its operational and financing. Consequently, the risk of deposit withdrawal by depositors is an important aspect that should be wellmanaged in Islamic banking. This paper aims to investigate factors that influence depositors- withdrawal behavior in Islamic banks, particularly in Malaysia, using the framework of theory of reasoned action. A total of 368 respondents from Klang valley are involved in the analysis. The paper finds that all the constructs variable i.e. normative beliefs, subjective norms, behavioral beliefs, and attitude towards behavior are perceived to be distinct by the respondents. In addition, the structural equation model is able to verify the structural relationships between subjective norms, attitude towards behavior and behavioral intention. Subjective norms gives more influence to depositors- decision on deposit withdrawal compared to attitude towards behavior.

Multi-board Run-time Reconfigurable Implementation of Intrinsic Evolvable Hardware

A multi-board run-time reconfigurable (MRTR) system for evolvable hardware (EHW) is introduced with the aim to implement on hardware the bidirectional incremental evolution (BIE) method. The main features of this digital intrinsic EHW solution rely on the multi-board approach, the variable chromosome length management and the partial configuration of the reconfigurable circuit. These three features provide a high scalability to the solution. The design has been written in VHDL with the concern of not being platform dependant in order to keep a flexibility factor as high as possible. This solution helps tackling the problem of evolving complex task on digital configurable support.

Comparative Study of Fault Identification and Classification on EHV Lines Using Discrete Wavelet Transform and Fourier Transform Based ANN

An appropriate method for fault identification and classification on extra high voltage transmission line using discrete wavelet transform is proposed in this paper. The sharp variations of the generated short circuit transient signals which are recorded at the sending end of the transmission line are adopted to identify the fault. The threshold values involve fault classification and these are done on the basis of the multiresolution analysis. A comparative study of the performance is also presented for Discrete Fourier Transform (DFT) based Artificial Neural Network (ANN) and Discrete Wavelet Transform (DWT). The results prove that the proposed method is an effective and efficient one in obtaining the accurate result within short duration of time by using Daubechies 4 and 9. Simulation of the power system is done using MATLAB.

Strong Limit Theorems for Dependent Random Variables

In This Article We establish moment inequality of dependent random variables,furthermore some theorems of strong law of large numbers and complete convergence for sequences of dependent random variables. In particular, independent and identically distributed Marcinkiewicz Law of large numbers are generalized to the case of m0-dependent sequences.

FPGA Implementation of a Vision-Based Blind Spot Warning System

Vision-based intelligent vehicle applications often require large amounts of memory to handle video streaming and image processing, which in turn increases complexity of hardware and software. This paper presents an FPGA implement of a vision-based blind spot warning system. Using video frames, the information of the blind spot area turns into one-dimensional information. Analysis of the estimated entropy of image allows the detection of an object in time. This idea has been implemented in the XtremeDSP video starter kit. The blind spot warning system uses only 13% of its logic resources and 95k bits block memory, and its frame rate is over 30 frames per sec (fps).

Feasibility Investigation of Near Infrared Spectrometry for Particle Size Estimation of Nano Structures

Determination of nano particle size is substantial since the nano particle size exerts a significant effect on various properties of nano materials. Accordingly, proposing non-destructive, accurate and rapid techniques for this aim is of high interest. There are some conventional techniques to investigate the morphology and grain size of nano particles such as scanning electron microscopy (SEM), atomic force microscopy (AFM) and X-ray diffractometry (XRD). Vibrational spectroscopy is utilized to characterize different compounds and applied for evaluation of the average particle size based on relationship between particle size and near infrared spectra [1,4] , but it has never been applied in quantitative morphological analysis of nano materials. So far, the potential application of nearinfrared (NIR) spectroscopy with its ability in rapid analysis of powdered materials with minimal sample preparation, has been suggested for particle size determination of powdered pharmaceuticals. The relationship between particle size and diffuse reflectance (DR) spectra in near infrared region has been applied to introduce a method for estimation of particle size. Back propagation artificial neural network (BP-ANN) as a nonlinear model was applied to estimate average particle size based on near infrared diffuse reflectance spectra. Thirty five different nano TiO2 samples with different particle size were analyzed by DR-FTNIR spectrometry and the obtained data were processed by BP- ANN.

A study on a Generic Development Process for the BPM+SOA Design and Implementation

In order to optimize annual IT spending and to reduce the complexity of an entire system architecture, SOA trials have been started. It is common knowledge that to design an SOA system we have to adopt the top-down approach, but in reality silo systems are being made, so these companies cannot reuse newly designed services, and cannot enjoy SOA-s economic benefits. To prevent this situation, we designed a generic SOA development process referred to as the architecture of “mass customization." To define the generic detail development processes, we did a case study on an imaginary company. Through the case study, we could define the practical development processes and found this could vastly reduce updating development costs.

Attitude Change after Taking a Virtual Global Understanding Course

A virtual collaborative classroom was created at East Carolina University, using videoconference technology via regular internet to bring students from 18 different countries, 2 at a time, to the ECU classroom in real time to learn about each other-s culture. Students from two countries are partnered one on one, they meet for 4-5 weeks, and submit a joint paper. Then the same process is repeated for two other countries. Lectures and student discussions are managed with pre-determined topics and questions. Classes are conducted in English and reading assignments are placed on the website. Administratively all partners are independent, students pay fees and get credits at their home institution. Familiarity with technology, knowledge in cultural understanding and attitude change were assessed, only attitude changes are reported in this paper. After taking this course, all students stated their comfort level in working with, and their desire to interact with, culturally different others grew stronger and their xenophobia and isolationist attitudes decreased.

Scenarios of Societal Security and Business Continuity Cycles

Societal security, continuity scenarios and methodological cycling approach explained in this article. Namely societal security organizational challenges ask implementation of international standards BS 25999-2 & global ISO 22300 which is a family of standards for business continuity management system. Efficient global organization system is distinguished of high entity´s complexity, connectivity & interoperability, having not only cooperative relations in a fact. Competing business have numerous participating ´enemies´, which are in apparent or hidden opponent and antagonistic roles with prosperous organization system, resulting to a crisis scene or even to a battle theatre. Organization business continuity scenarios are necessary for such ´a play´ preparedness, planning, management & overmastering in real environments.

Effective Online Staff Training: Is This Possible?

The purpose of this paper is to consider the introduction of online courses to replace the current classroom-based staff training. The current training is practical, and must be completed before access to the financial computer system is authorized. The long term objective is to measure the efficacy, effectiveness and efficiency of the training, and to establish whether a transfer of knowledge back to the workplace has occurred. This paper begins with an overview explaining the importance of staff training in an evolving, competitive business environment and defines the problem facing this particular organization. A summary of the literature review is followed by a brief discussion of the research methodology and objective. The implementation of the alpha version of the online course is then described. This paper may be of interest to those seeking insights into, or new theory regarding, practical interventions of online learning in the real world.

Alternative Approach in Ground Vehicle Wake Analysis

In this paper an alternative visualisation approach of the wake behind different vehicle body shapes with simplified and fully-detailed underbody has been proposed and analysed. This allows for a more clear distinction among the different wake regions. This visualisation is based on a transformation of the cartesian coordinates of a chosen wake plane to polar coordinates, using as filter velocities lower than the freestream. This transformation produces a polar wake plot that enables the division and quantification of the wake in a number of sections. In this paper, local drag has been used to visualise the drag contribution of the flow by the different sections. Visually, a balanced wake can be observed by the concentric behaviour of the polar plots. Alternatively, integration of the local drag of each degree section as a ratio of the total local drag yields a quantifiable approach of the wake uniformity, where different sections contribute equally to the local drag, with the exception of the wheels.

DEA ANN Approach in Supplier Evaluation System

In Supply Chain Management (SCM), strengthening partnerships with suppliers is a significant factor for enhancing competitiveness. Hence, firms increasingly emphasize supplier evaluation processes. Supplier evaluation systems are basically developed in terms of criteria such as quality, cost, delivery, and flexibility. Because there are many variables to be analyzed, this process becomes hard to execute and needs expertise. On this account, this study aims to develop an expert system on supplier evaluation process by designing Artificial Neural Network (ANN) that is supported with Data Envelopment Analysis (DEA). The methods are applied on the data of 24 suppliers, which have longterm relationships with a medium sized company from German Iron and Steel Industry. The data of suppliers consists of variables such as material quality (MQ), discount of amount (DOA), discount of cash (DOC), payment term (PT), delivery time (DT) and annual revenue (AR). Meanwhile, the efficiency that is generated by using DEA is added to the supplier evaluation system in order to use them as system outputs.

A Review of Methanol Production from Methane Oxidation via Non-Thermal Plasma Reactor

Direct conversion of methane to methanol by partial oxidation in a thermal reactor has a poor yield of about 2% which is less than the expected economical yield of about 10%. Conventional thermal catalytic reactors have been proposed to be superseded by plasma reactors as a promising approach, due to strength of the electrical energy which can break C-H bonds of methane. Among the plasma techniques, non-thermal dielectric barrier discharge (DBD) plasma chemical process is one of the most future promising technologies in synthesizing methanol. The purpose of this paper is presenting a brief review of CH4 oxidation with O2 in DBD plasma reactors based on the recent investigations. For this reason, the effect of various parameters of reactor configuration, feed ratio, applied voltage, residence time (gas flow rate), type of applied catalyst, pressure and reactor wall temperature on methane conversion and methanol selectivity are discussed.

Analytic and Finite Element Solutions for Temperature Profiles in Welding using Varied Heat Source Models

Solutions for the temperature profile around a moving heat source are obtained using both analytic and finite element (FEM) methods. Analytic and FEM solutions are applied to study the temperature profile in welding. A moving heat source is represented using both point heat source and uniform distributed disc heat source models. Analytic solutions are obtained by solving the partial differential equation for energy conservation in a solid, and FEM results are provided by simulating welding using the ANSYS software. Comparison is made for quasi steady state conditions. The results provided by the analytic solutions are in good agreement with results obtained by FEM.

Exponential Stability and Periodicity of a Class of Cellular Neural Networks with Time-Varying Delays

The problem of exponential stability and periodicity for a class of cellular neural networks (DCNNs) with time-varying delays is investigated. By dividing the network state variables into subgroups according to the characters of the neural networks, some sufficient conditions for exponential stability and periodicity are derived via the methods of variation parameters and inequality techniques. These conditions are represented by some blocks of the interconnection matrices. Compared with some previous methods, the method used in this paper does not resort to any Lyapunov function, and the results derived in this paper improve and generalize some earlier criteria established in the literature cited therein. Two examples are discussed to illustrate the main results.

An Assessment of Ozone Levels in Typical Urban Areas in the Malaysian Peninsular

Air quality studies were carried out in the towns of Putrajaya, Petaling Jaya and Nilai in the Malaysian Peninsular. In this study, the variations of Ozone (O3) concentrations over a four year period (2008-2011) were investigated using data obtained from the Malaysian Department of the Environment (DOE). This study aims to identify and describe the daily and monthly variations of O3 concentrations at the monitoring sites mentioned. The SPPS program (Statistical Package for the Social Science) was used to analyze this data in order to obtain the variations of O3 and also to clarify the relationship between the stations. The findings of the study revealed that the highest concentration of O3 occurred during the midday and afternoon (between 13:00-15:00 hrs). The comparison between stations also showed that highest O3 concentrations were recorded in Putrajaya. The comparisons of average and maximum concentrations of O3 for the three stations showed that the strongest significant correlation was recorded in the Petaling Jaya station with the value R2= 0.667. Results from this study indicate that in the urban areas of Peninsular Malaysia, the concentration of O3 depends on the concentration of NOx. Furthermore, HYSPLIT back trajectories (-72h) indicated that air-mass transport patterns can also influence the O3 concentration in the areas studied.

An Energy-Efficient Protocol with Static Clustering for Wireless Sensor Networks

A wireless sensor network with a large number of tiny sensor nodes can be used as an effective tool for gathering data in various situations. One of the major issues in wireless sensor networks is developing an energy-efficient routing protocol which has a significant impact on the overall lifetime of the sensor network. In this paper, we propose a novel hierarchical with static clustering routing protocol called Energy-Efficient Protocol with Static Clustering (EEPSC). EEPSC, partitions the network into static clusters, eliminates the overhead of dynamic clustering and utilizes temporary-cluster-heads to distribute the energy load among high-power sensor nodes; thus extends network lifetime. We have conducted simulation-based evaluations to compare the performance of EEPSC against Low-Energy Adaptive Clustering Hierarchy (LEACH). Our experiment results show that EEPSC outperforms LEACH in terms of network lifetime and power consumption minimization.

Characterization of Atmospheric Particulate Matter using PIXE Technique

Coarse and fine particulate matter were collected at a residential area at Vashi, Navi Mumbai and the filter samples were analysed for trace elements using PIXE technique. The trend of particulate matter showed higher concentrations during winter than the summer and monsoon concentration levels. High concentrations of elements related to soil and sea salt were found in PM10 and PM2.5. Also high levels of zinc and sulphur found in the particulates of both the size fractions. EF analysis showed enrichment of Cu, Cr and Mn only in the fine fraction suggesting their origin from anthropogenic sources. The EF value was observed to be maximum for As, Pb and Zn in the fine particulates. However, crustal derived elements showed very low EF values indicating their origin from soil. The PCA based multivariate studies identified soil, sea salt, combustion and Se sources as common sources for coarse and additionally an industrial source has also been identified for fine particles.

Analysis and Flight Test for Small Inflatable Wing Design

This article discusses stress analysis and the shape characteristics of the inflatable wing, and then introduces the design method of inflatable wing, in order to accurately approximate a standard airfoil. It specifically analyses the aerodynamic characteristics of the inflatable wing with the method of CFD, along with comparing to standard airfoil, afterwards we carries out the manufacture of inflatable wing and the flight test.

Preparing the Curve Number (CN) and Surface Runoff Coefficient (C) Map of the Basin in the Aghche Watershed, Iran

In this research, a part of Aghche basin in Isfahan province with an area about 2000 hectars, was chosen to be obtain curve number coefficient runoff and W indicator in second Cook method By using aerial photos 1968 and 1995, the satellite data of the IRS in 2008. Then the process of land use changes in the period of study and its effect on the changes of curve number (CN), W indicator and surface runoff coefficient (C) of the basin was investigated. These results showed that on the track of these land use changes the weight averages curve number (CN), surface runoff coefficient (C) and W indicator of the basin were increased to 0.92, 0.02 and 0.78 unit in the first period of study and 1.18, 0.03, 0.99 Unit in the second period of study respectively.