Abstract: This paper seeks to assess the implications of bank
consolidation on the performance of small and medium scale
enterprises in the Nigerian economy. Multiple linear regression
technique and correlation matrix test were employed to measure the
extent to which small and medium scale enterprises asset size,
survival and access to credit were influenced. The result showed that
bank deposit (BD) and bank credit (L or BC) impacted on asset size
and survival of small and medium scale enterprises. None of the
variables had significant impact on SMEs access to credit. There is a
shift of focus by commercial banks away from small and medium
scale enterprises (small customers), which is evidenced by the
significant negative influence of bank credit to both the survival and
asset size of small and medium enterprises. While micro finance
banks work hard at providing funds to small and medium scale
entrepreneurs, their capacity to meet the needs of these entrepreneurs
is constrained. CBN should make policies that will boost micro
finance bank’s capital and also monitor closely the management of
the banks to ensure prudent financing of small and medium scale
investments.
Abstract: The web services applications for digital reference
service (WSDRS) of LIS model is an informal model that claims to
reduce the problems of digital reference services in libraries. It uses
web services technology to provide efficient way of satisfying users’
needs in the reference section of libraries. The formal WSDRS model
consists of the Z specifications of all the informal specifications of
the model. This paper discusses the formal validation of the Z
specifications of WSDRS model. The authors formally verify and
thus validate the properties of the model using Z/EVES theorem
prover.
Abstract: It is an indispensible strategy to adopt greenery
approach on architectural bases so as to improve ecological habitats,
decrease heat-island effect, purify air quality, and relieve surface
runoff as well as noise pollution, all of which are done in an attempt to
achieve sustainable environment. How we can do with plant design to
attain the best visual quality and ideal carbon dioxide fixation depends
on whether or not we can appropriately make use of greenery
according to the nature of architectural bases. To achieve the goal, it is
a need that architects and landscape architects should be provided with
sufficient local references. Current greenery studies focus mainly on
the heat-island effect of urban with large scale. Most of the architects
still rely on people with years of expertise regarding the adoption and
disposition of plantation in connection with microclimate scale.
Therefore, environmental design, which integrates science and
aesthetics, requires fundamental research on landscape environment
technology divided from building environment technology. By doing
so, we can create mutual benefits between green building and the
environment. This issue is extremely important for the greening design
of the bases of green buildings in cities and various open spaces. The
purpose of this study is to establish plant selection and allocation
strategies under different building sunshade levels. Initially, with the
shading of sunshine on the greening bases as the starting point, the
effects of the shades produced by different building types on the
greening strategies were analyzed. Then, by measuring the PAR
(photosynthetic active radiation), the relative DLI (daily light integral)
was calculated, while the DLI Map was established in order to
evaluate the effects of the building shading on the established
environmental greening, thereby serving as a reference for plant
selection and allocation. The discussion results were to be applied in
the evaluation of environment greening of greening buildings and
establish the “right plant, right place” design strategy of multi-level
ecological greening for application in urban design and landscape
design development, as well as the greening criteria to feedback to the
eco-city greening buildings.
Abstract: As a by-product of the biodiesel industries, glycerol
has been vastly generated which surpasses the market demand. It is
imperative to develop an efficient glycerol valorization processes in
minimizing the net energy requirement and intensifying the biodiesel
production. In this study, base-catalyzed transesterification of
glycerol with dimethyl carbonate using microwave irradiation as
heating method to produce glycerol carbonate was conducted by
varying grades of glycerol, i.e. 70%, 86% and 99% purity, that is
obtained from biodiesel plant. Metal oxide catalysts were used with
varying operating parameters including reaction time, DMC/glycerol
molar ratio, catalyst weight %, temperature and stirring speed. From
the study on the effect of different operating parameters it was found
that the type of catalyst used has the most significant effect on the
transesterification reaction. Amidst the metal oxide catalysts
examined, CaO gave the best performance. This study indicates the
feasibility of producing glycerol carbonate using different grade of
glycerol in both conventional thermal activation and microwave
irradiation with CaO as catalyst. Microwave assisted
transesterification (MAT) of glycerol into glycerol carbonate has
demonstrated itself as an energy efficient route by achieving 94.2%
yield of GC at 65°C, 5 minutes reaction time, 1 wt% CaO and
DMC/glycerol molar ratio of 2. The advantages of MAT
transesterification route has made the direct utilization of bioglycerol
from biodiesel production without the need of purification. This has
marked a more economical and less-energy intensive glycerol
carbonate synthesis route.
Abstract: Objective: Sharing devastating news with patients is
often considered the most difficult task of doctors. This study aimed
to explore patients’ perceptions of receiving bad news including
which features improve the experience and which areas need refining. Methods: A questionnaire was written based on the steps of the
SPIKES model for breaking bad new. 20 patients receiving treatment
for a hematological malignancy completed the questionnaire. Results: Overall, the results are promising as most patients praised
their consultation. ‘Poor’ was more commonly rated by women and
participants aged 45-64. The main differences between the ‘excellent’
and ‘poor’ consultations include the doctor’s sensitivity and checking
the patients’ understanding. Only 35% of patients were asked their
existing knowledge and 85% of consultations failed to discuss the
impact of the diagnosis on daily life. Conclusion: This study agreed with the consensus of existing
literature. The commended aspects include consultation set-up and
information given. Areas patients felt needed improvement include
doctors determining the patient’s existing knowledge and checking
new information has been understood. Doctors should also explore
how the diagnosis will affect the patient’s life. With a poorer
prognosis, doctors should work on conveying appropriate hope. The
study was limited by a small sample size and potential recall bias.
Abstract: The present study is a functional analysis of the
relationship between castes which indicates the dynamics of the caste
structure in the rural setting. The researcher has tried to show both
the cooperation and competition on important ceremonial and social
occasions. The real India exists in the villages, so we need to know
about their solidarity and also what the village life is and has been
shaping into. We need to emphasize a microcosmic study of Indian
rural life. Furthermore, caste integration is an acute problem country
faces today. To resolve this we are required to know the dynamics of
behavior of the people of different castes and for the study of the
caste dynamics a study of caste relations are needed. The present
study is an attempt in this direction.
Abstract: Web mining is to discover and extract useful
Information. Different users may have different search goals when
they search by giving queries and submitting it to a search engine.
The inference and analysis of user search goals can be very useful for
providing an experience result for a user search query. In this project,
we propose a novel approach to infer user search goals by analyzing
search web logs. First, we propose a novel approach to infer user
search goals by analyzing search engine query logs, the feedback
sessions are constructed from user click-through logs and it
efficiently reflect the information needed for users. Second we
propose a preprocessing technique to clean the unnecessary data’s
from web log file (feedback session). Third we propose a technique
to generate pseudo-documents to representation of feedback sessions
for clustering. Finally we implement k-medoids clustering algorithm
to discover different user search goals and to provide a more optimal
result for a search query based on feedback sessions for the user.
Abstract: Leishmaniasis is the collective name for a number of
diseases caused by protozoan flagellates of the genus Leishmania,
which is transmitted by Phlebotomine sandfly, the disease has diverse
clinical manifestations and found in many areas of the world,
particularly in Africa, Latin America, South and Central Asia, the
Mediterranean basin and the Middle East. This study was done to
assess primary health care physicians’ knowledge (PHP) and attitude
about leishmaniasis and to assess awareness of local inhabitants
about the disease and its vector in four areas in west Alexandria,
Egypt. It is a cross sectional survey that was conducted in four PHC
units in west Alexandria. All physicians currently working in these
units during the study period were invited to participate in the study;
only 20 PHP completed the questionnaire. 60 local inhabitants were
selected randomly from the four areas of the study, 15 from each
area; Data was collected through two different specially designed
questionnaires. Results showed that 11 (55%) percent of the
physicians had satisfactory knowledge; they answered more than 9
(60%) questions out of a total 14 questions about leishmaniasis and
sandfly. On the other hand when attitude of the primary health care
physicians about leishmaniasis was measured, results showed that 17
(85%) had good attitude and 3 (15%) had poor attitude. The second
questionnaire showed that the awareness of local inhabitants about
leishmaniasis and sandfly as a vector of the disease is poor and needs
to be corrected. (90%) of the interviewed inhabitants had not heard
about leishmaniasis, Only 3 (5%) of them said they know sandfly and
its role in transmission of leishmaniasis. Thus we conclude that
knowledge and attitudes of physicians are acceptable. However, there
is, room for improvement and could be done through formal training
courses and distribution of guidelines. In addition to raising the
awareness of primary health care physicians about the importance of
early detection and notification of cases of leishmaniasis, health
education for raising awareness of the public regarding the vector and
the disease is necessary because related studies have demonstrated
that for inhabitants to take enough protective measures against the
vector, they should perceive that it is responsible for causing a
disease.
Abstract: Communicating users' needs, goals and problems help
designers and developers overcome challenges faced by end users.
Personas are used to represent end users’ needs. In our research,
creating personas allowed the following questions to be answered:
Who are the potential user groups? What do they want to achieve by
using the service? What are the problems that users face? What
should the service provide to them? To develop realistic personas, we
conducted a focus group discussion with undergraduate and graduate
students and also interviewed a university librarian. The personas
were created to help evaluating the Institutional Repository that is
based on the DSpace system. The profiles helped to communicate
users' needs, abilities, tasks, and problems, and the task scenarios
used in the heuristic evaluation were based on these personas. Four
personas resulted of a focus group discussion with undergraduate and
graduate students and from interviewing a university librarian. We
then used these personas to create focused task-scenarios for a
heuristic evaluation on the system interface to ensure that it met
users' needs, goals, problems and desires. In this paper, we present
the process that we used to create the personas that led to devise the
task scenarios used in the heuristic evaluation as a follow up study of
the DSpace university repository.
Abstract: The fuel potential of six tropical hardwood species
namely: Triplochiton scleroxylon, Ceiba pentandra, Aningeria
robusta, Terminalia superba, Celtis mildbreadii and Piptadenia
africana were studied. Properties studied included species density,
gross calorific value, volatile matter, ash content, organic carbon and
elemental composition. Fuel properties were determined using
standard laboratory methods. The result indicates that the gross
calorific value (GCV) of the species ranged from 20.16 to 22.22
MJ/kg and they slightly varied from each other. Additionally, the
GCV of the biomass materials were higher than that of other biomass
materials like; wheat straw, rice straw, maize straw and sugar cane.
The ash and volatile matter content varied from 0.6075 to 5.0407%,
and 75.23% to 83.70% respectively. The overall rating of the
properties of the six biomass materials suggested that Piptadenia
africana has the best fuel property to be used as briquettes and
Aningeria robusta the worse. This study therefore suggests that a
holistic assessment of a biomass material needs to be done before
selecting it for fuel purpose.
Abstract: This study aimed to explore the practical experience
of child welfare caseworkers and professionalism in child case
management in Malaysia. This paper discussed the specific social
work practice competency and the challenges faced by child
caseworkers in the fieldwork. This research was qualitative with
grounded theory approach. Four sessions of focused group discussion
(FGD) were conducted involving a total of 27 caseworkers (child
protector and probation officers) in the Klang Valley. The study
found that the four basic principles of knowledge in child case
management namely: 1. knowledge in child case management; 2.
professional values of caseworkers towards children; 3. skills in
managing cases; and 4. culturally competent practice in child case
management. In addition, major challenges faced by the child case
manager are the capacity and commitment of the family in children’s
rehabilitation program, the credibility of caseworkers are being
challenged, and the challenges of support system from intra and interagency.
This study is important for policy makers to take into account
the capacity and the needs of the child’s caseworker in accordance
with the national social work competency framework. It is expected
that case management services for children will improve
systematically in line with national standards.
Abstract: This paper proposes that in the course of evolution
pitch structure became a human specific tool of communication the
function of which is to induce emotional states such as uncertainty
and cohesion. By the means of eliciting these emotions during
collective music performance people are able to unconsciously give
cues concerning social acceptance. This is probably one of the
reasons why in all cultures people collectively perform tonal music. It
is also suggested that tonal pitch structure had been invented socially
before it became an evolutionary innovation of hominines. It means
that a predisposition to tonally organize pitches evolved by the means
of ‘Baldwin effect’ – a process in which natural selection transforms
the learned response of an organism into the instinctive response. In
the proposed, hypothetical evolutionary scenario of the emergence of
tonal pitch structure social forces such as a need for closer
cooperation play the crucial role.
Abstract: Investigating the dynamic responses of high rise
structures under the effect of siesmic ground motion is extremely
important for the proper analysis and design of multitoried structures.
Since the presence of infilled walls strongly influences the behaviour
of frame systems in multistoried buildings, there is an increased need
for developing guidelines for the analysis and design of infilled
frames under the effect of dynamic loads for safe and proper design
of buildings. In this manuscript, we evaluate the natural frequencies
and natural periods of single bay single storey frames considering the
effect of infill walls by using the Eigen value analysis and validating
with SAP 2000 (free vibration analysis). Various parameters obtained
from the diagonal strut model followed for the free vibration analysis
is then compared with the Finite Element model, where infill is
modeled as shell elements (four noded). We also evaluated the effect
of various parameters on the natural periods of vibration obtained by
free vibration analysis in SAP 2000 comparing them with those
obtained by the empirical expressions presented in I.S. 1893(Part I)-
2002.
Abstract: The access to relevant information that is adapted to
user’s needs, preferences and environment is a challenge in many
applications running. That causes an appearance of context-aware
systems. To facilitate the development of this class of applications, it
is necessary that these applications share a common context
metamodel. In this article, we will present our context metamodel
that is defined using the OMG Meta Object facility (MOF).This
metamodel is based on the analysis and synthesis of context concepts
proposed in literature.
Abstract: The increasing volume of solid waste generated,
collected and disposed daily complicate adequate management of
solid waste by relevant agency like Niger State Environmental
Protection Agency (NISEPA). In addition, the impacts of solid waste
on the natural environment and human livelihood require
identification of cost-effective ways for sustainable municipal waste
management in Nigeria. These signal the need for identifying
environment-friendly initiative and local solution to address the
problem of municipal solid waste. A research field was secured at
Pago, Minna, Niger State which is located in the guinea savanna belt
of Nigeria, within longitude 60 361 4311 - 4511 and latitude 90 291
37.6111 - .6211 N. Poultry droppings, decomposed household waste
manure and NPK treatments were used. The experimental field was
divided into three replications and four (4) treatments on each
replication making a total of twelve (12) plots. The treatments were
allotted using Randomized Complete Block Design (RCBD) and
Data collected was analyzed using SPSS software and RCBD. The
result depicts variation in plant height and number of leaves at 50%
flowering; Poultry dropping records the highest height while the
number of leaves for waste manure competes fairly well with NPK
treatment. Similarly, the varying treatments significantly increase
vegetable yield, as the control (non-treatment) records the least yield
for the three vegetable samples. Adoption of this organic manure for
cultivation does not only enhance environment quality and attainment
of food security but will contribute to local economic development,
poverty alleviation as well as social inclusion.
Abstract: This survey paper shows the recent state of model
comparison as it’s applies to Model Driven engineering. In Model
Driven Engineering to calculate the difference between the models is
a very important and challenging task. There are number of tasks
involved in model differencing that firstly starts with identifying and
matching the elements of the model. In this paper, we discuss how
model matching is accomplished, the strategies, techniques and the
types of the model. We also discuss the future direction. We found
out that many of the latest model comparison strategies are geared
near enabling Meta model and similarity based matching. Therefore
model versioning is the most dominant application of the model
comparison. Recently to work on comparison for versioning has
begun to deteriorate, giving way to different applications. Ultimately
there is wide change among the tools in the measure of client exertion
needed to perform model comparisons, as some require more push to
encourage more sweeping statement and expressive force.
Abstract: Financial innovations can be regarded as the cause
and the effect of the evolution of the financial system. Most of
financial innovations are created by various financial institutions for
their own purposes and needs. However, due to their diversity,
financial innovations can be also applied by various business entities
(other than financial institutions).
This paper focuses on the potential application of financial
innovations by non-financial companies. It is assumed that financial
innovations may be effectively applied in all fields of corporate
financial decisions integrating financial management with the risk
management process. Appropriate application of financial
innovations may enhance the development of the company and
increase its value by improving its financial situation and reducing
the level of risk. On the other hand, misused financial innovations
may become the source of extra risk for the company threatening its
further operation.
The main objective of the paper is to identify the major types of
financial innovations offered to non-financial companies by the
banking system in Poland. It also aims at identifying the main factors
determining the creation of financial innovations in the banking
system in Poland and indicating future directions of their
development.
This paper consists of conceptual and empirical part. Conceptual
part based on theoretical study is focused on the determinants of the
process of financial innovations and their application by the nonfinancial
companies. Theoretical study is followed by the empirical
research based on the analysis of the actual offer of the 20 biggest
banks operating in Poland with regard to financial innovations
offered to SMEs and large corporations. These innovations are
classified according to the main functions of the integrated financial
management, such as financing, investment, working capital
management and risk management.
Empirical study has proved that the biggest banks operating in the
Polish market offer to their business customers many types and
classes of financial innovations. This offer appears vast and adequate
to the needs and purposes of the Polish non-financial companies. It
was observed that financial innovations pertained to financing
decisions dominate in the banks’ offer. However, due to high
diversification of the offered financial innovations, business
customers may effectively apply them in all fields and areas of
integrated financial management. It should be underlined, that the
banks’ offer is highly dispersed, which may limit the implementation
of financial innovations in the corporate finance. It would be also
recommended for the banks operating in the Polish market to
intensify the education campaign aiming at increasing knowledge
about financial innovations among business customers.
Abstract: In this article, a method is presented to effectively
estimate the deformed shape of a thick plate due to line heating. The
method uses a fifth order spline interpolation, with up to C3
continuity at specific points to compute the shape of the deformed
geometry. First and second order derivatives over a surface are the
resulting parameters of a given heating line on a plate. These
parameters are determined through experiments and/or finite element
simulations. Very accurate kriging models are fitted to real or virtual
surfaces to build-up a database of maps. Maps of first and second
order derivatives are then applied on numerical plate models to
evaluate their evolving shapes through a sequence of heating lines.
Adding an optimization process to this approach would allow
determining the trajectories of heating lines needed to shape complex
geometries, such as Francis turbine blades.
Abstract: Despite the financial crisis and ongoing need for cost
cutting, companies all around the world heavily invest in Information
Systems (IS) and underlying Information Technology (IT).
Proliferation of governance of enterprise IT helps companies manage,
or rather, governs IS as a primary business function with executive
management involved in making decision about IS and IT. The
business value of IT is raising with the involvement of the executive
management in IT decision making process and quality IT
governance mechanisms in place. In this paper the practice of
governing the enterprise IT will be investigated on a sample of the
largest 100 Croatian companies. Research questions posed here will
reveal if there are some formal IT governance mechanisms, are there
any differences in perceived role of IS and IT between CIOs (Chief
Information Officers) and CEOs (Chief Executive Officers) of the
sampled companies and what are the mechanisms to govern massive
investment in enterprise IT.
Abstract: Facility location is a complex real-world problem
which needs a strategic management decision. This paper provides a
general review on studies, efforts and developments in Facility
Location Problems which are classical optimization problems having
a wide-spread applications in various areas such as transportation,
distribution, production, supply chain decisions and
telecommunication. Our goal is not to review all variants of different
studies in FLPs or to describe very detailed computational techniques
and solution approaches, but rather to provide a broad overview of
major location problems that have been studied, indicating how they
are formulated and what are proposed by researchers to tackle the
problem. A brief, elucidative table based on a grouping according to
“General Problem Type” and “Methods Proposed” used in the studies
is also presented at the end of the work.