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: 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 objective of this study is to analyze the
prophylactic usage of low molecular weight heparin (LMWH) along
pregnancy and the correlation between their usage and month/week
of pregnancy, in the Department of Gynecology and Obstetrics, at
Clinical Hospital in Tetovo. A retrospective study was undertaken
during 01 January – 31 December 2012. Over of one year, the total
number of patients was 4636. Among the 1447 (32.21%) pregnant
women, 298 (20.59%) of them were prescribed LMWH. The majority
of patients given LMWH, 119 (39.93%) were diagnosed
hypercoagulable. The age group with the highest attendance was 25-
35, 141 patients (47.32%). For 195 (65.44%) patients, this was their
first pregnancy. Earliest stage of using LMWH was the second month
of pregnancy 4 (1.34%) cases. The most common patients were 70
women along the seventh month (23.49%), followed by 68 in the
ninth month of pregnancy (22.81%). Women in the 28th gestational
week, were found to be the most affected, a total of 55 (78.57%) were
in that week. Clexane 2000 and Fraxiparine 0.3 were the most
common for which low molecular weight heparin was prescribed.
The number of patients which received Clexane 2000 was 84
(28.19%), followed by those with Fraxiparine 0.3 81 (27.18%). The
administration of LMWH is associated with long hospitalization
(median 14,6 days).
Abstract: Fritillaria oranensis (Liliaceae) was described in 1874
by pomel from Algeria. Plant samples have been collected from the
mount of Tessala (Sidi-Bel-Abbes). The morphological features of
various organs of the plant are described in detail. In the
morphological part of the study, features of various organs of the
plants such as stem and leaf were determined and illustrated.
Ecological studies provide information about the physical and
chemical structure of soil types in Tessala Mountain. The aim of this
original investigation is to put forth ecological and anatomical
features of these species for the first time, but at the same time given
detailed account of the morphological characteristics of the stem and
leaf of Fritillaria oranensis.
Abstract: The objectives of this study is to investigate the
existence of the sticky cost behavior of firms listed in the Indonesia
Stock Exchange (IDX) and to find evidence on the effects of sticky
operating expenses (SG&A expenses) on profitability of firms. For
the first objective, this study finds that the sticky cost behavior does
exist. For the second objective, this study finds that the stickier the
operating expenses the lesser future profitability of the firms. This
study concludes that sticky cost affects negatively to the performance
and, therefore, firms should include flexibility in designing the cost
structure of their firms.
Abstract: Kuosheng nuclear power plant (NPP) is a BWR/6 type
NPP and located on the northern coast of Taiwan. First, Kuosheng
NPP TRACE model were developed in this research. In order to assess
the system response of Kuosheng NPP TRACE model, startup tests
data were used to evaluate Kuosheng NPP TRACE model. Second, the
overpressurization transient analysis of Kuosheng NPP TRACE model
was performed. Besides, in order to confirm the mechanical property
and integrity of fuel rods, FRAPTRAN analysis was also performed in
this study.
Abstract: Stochastic User Equilibrium (SUE) model is a widely
used traffic assignment model in transportation planning, which is
regarded more advanced than Deterministic User Equilibrium (DUE)
model. However, a problem exists that the performance of the SUE
model depends on its error term parameter. The objective of this
paper is to propose a systematic method of determining the
appropriate error term parameter value for the SUE model. First, the
significance of the parameter is explored through a numerical
example. Second, the parameter calibration method is developed
based on the Logit-based route choice model. The calibration process
is realized through multiple nonlinear regression, using sequential
quadratic programming combined with least square method. Finally,
case analysis is conducted to demonstrate the application of the
calibration process and validate the better performance of the SUE
model calibrated by the proposed method compared to the SUE
models under other parameter values and the DUE model.
Abstract: In this paper two approaches to joint signal detection,
time of arrival (ToA) and angle of arrival (AoA) estimation in
multi-element antenna array are investigated. Two scenarios were
considered: first one, when the waveform of the useful signal
is known a priori and, second one, when the waveform of the
desired signal is unknown. For first scenario, the antenna array
signal processing based on multi-element matched filtering (MF)
with the following non-coherent detection scheme and maximum
likelihood (ML) parameter estimation blocks is exploited. For second
scenario, the signal processing based on the antenna array elements
covariance matrix estimation with the following eigenvector analysis
and ML parameter estimation blocks is applied. The performance
characteristics of both signal processing schemes are thoroughly
investigated and compared for different useful signals and noise
parameters.
Abstract: Communication and effective information exchange
within technology has become a crucial part of delivering knowledge
to students during the learning process. It enables better
understanding, builds trust and respect, and increases the sharing of
knowledge between students. This paper examines the
communication between undergraduate students and their lecturers
during the traditional lecture and when using the Interactive
Electronic Lecture System (IELS). The IELS is an application that
offers a set of components which support the effective
communication between students and their peers and between
students and their lecturers. Moreover, this paper highlights
communication skills such as sender, receiver, channel and feedback.
It will show how the IELS creates a rich communication environment
between its users and how they communicate effectively. To examine
and assess the effectiveness of communication, an experiment was
conducted on groups of users; students and lecturers. The first group
communicated in the traditional lecture while the second group
communicated by means of the IELS application. The results show
that there was more effective communication between the second
group than the first.
Abstract: This paper involved the performance of a hightemperature
X-Ray powder diffraction analysis (XRD) of a sample of
chemical gypsum generated in the production of titanium white; this
gypsum originates by neutralizing highly acidic water with limestone
suspension. Specifically, it was gypsum formed in the first stage of
neutralization when the resulting material contains, apart from
gypsum, a number of waste products resulting from the
decomposition of ilmenite by sulphuric acid. So it can be described as
red titanogypsum. By conducting the experiment using XRD
apparatus Bruker D8 Advance with a Cu anode (λkα=1.54184 Å)
equipped with high-temperature chamber Anton Paar HTK 16, it was
possible to identify clearly in the sample each phase transition in the
system of CaSO4·xH2O.
Abstract: This study aimed at investigating whether the
functional brain networks constructed using the initial EEG (obtained
when patients first visited hospital) can be correlated with the
progression of cognitive decline calculated as the changes of
mini-mental state examination (MMSE) scores between the latest and
initial examinations. We integrated the time–frequency cross mutual
information (TFCMI) method to estimate the EEG functional
connectivity between cortical regions, and the network analysis based
on graph theory to investigate the organization of functional networks
in aMCI. Our finding suggested that higher integrated functional
network with sufficient connection strengths, dense connection
between local regions, and high network efficiency in processing
information at the initial stage may result in a better prognosis of the
subsequent cognitive functions for aMCI. In conclusion, the functional
connectivity can be a useful biomarker to assist in prediction of
cognitive declines in aMCI.
Abstract: In this paper, thick walled Cylindrical tanks or tubes
made of functionally graded material under internal pressure and
temperature gradient are studied. Material parameters have been
considered as power functions. They play important role in the
elastoplastic behavior of these materials. To clarify their role,
different materials with different parameters have been used under
temperature gradient. Finally, their effect and loading effect have
been determined in first yield point. Also, the important role of
temperature gradient was also shown. At the end the study has been
results obtained from changes in the elastic modulus and yield stress.
Also special attention is also given to the effects of this internal
pressure and temperature gradient in the creation of tensile and
compressive stresses.
Abstract: This study was conducted to evaluate the manganese
removal from aqueous solution using Banana peels activated carbon
(BPAC). Batch experiments have been carried out to determine the
influence of parameters such as pH, biosorbent dose, initial metal ion
concentrations and contact times on the biosorption process. From
these investigations, a significant increase in percentage removal of
manganese 97.4% is observed at pH value 5.0, biosorbent dose 0.8 g,
initial concentration 20 ppm, temperature 25 ± 2°C, stirring rate 200
rpm and contact time 2h. The equilibrium concentration and the
adsorption capacity at equilibrium of the experimental results were
fitted to the Langmuir and Freundlich isotherm models; the Langmuir
isotherm was found to well represent the measured adsorption data
implying BPAC had heterogeneous surface. A raw groundwater
samples were collected from Baharmos groundwater treatment plant
network at Embaba and Manshiet Elkanater City/District-Giza,
Egypt, for treatment at the best conditions that reached at first phase
by BPAC. The treatment with BPAC could reduce iron and
manganese value of raw groundwater by 91.4% and 97.1%,
respectively and the effect of the treatment process on the
microbiological properties of groundwater sample showed decrease
of total bacterial count either at 22°C or at 37°C to 85.7% and 82.4%,
respectively. Also, BPAC was characterized using SEM and FTIR
spectroscopy.
Abstract: The discarded clam shell waste, fossil and edible oil
as biolubricant feedstocks create environmental impacts and food
chain dilemma, thus this work aims to circumvent these issues by
using activated saltwater clam shell waste (SCSW) as solid catalyst
for conversion of Jatropha curcas oil as non-edible sources to ester
biolubricant. The characterization of solid catalyst was done by
Differential Thermal Analysis-Thermo Gravimetric Analysis (DTATGA),
X-Ray Fluorescence (XRF), X-Ray Diffraction (XRD),
Brunauer-Emmett-Teller (BET), Field Emission Scanning Electron
Microscopy (FESEM) and Fourier Transformed Infrared
Spectroscopy (FTIR) analysis. The calcined catalyst was used in the
transesterification of Jatropha oil to methyl ester as the first step, and
the second stage was involved the reaction of Jatropha methyl ester
(JME) with trimethylolpropane (TMP) based on the various process
parameters. The formated biolubricant was analyzed using the
capillary column (DB-5HT) equipped Gas Chromatography (GC).
The conversion results of Jatropha oil to ester biolubricant can be
found nearly 96.66%, and the maximum distribution composition
mainly contains 72.3% of triester (TE).
Abstract: Rice straw pellets are a promising fuel as a renewable
energy source. Financial analysis is needed to make a utilization
system using rise straw pellets financially feasible, considering all
regional conditions including stakeholders related to the collection and
storage, production, transportation and heat utilization. We conducted
the financial analysis of feasibility for a heat utilization system using
rice straw pellets which has been developed for the first time in
Nanporo, Hokkaido, Japan. Especially, we attempted to clarify the
effect of factors required for the system to be financial feasibility, such
as the heating energy demand and collection and storage method of
rice straw. The financial feasibility was found to improve when
increasing the heating energy demand and collecting wheat straw in
August separately from collection of rice straw in November because
the costs of storing rice straw and producing pellets were reduced.
However, the system remained financially unfeasible. This study
proposed a contractor program funded by a subsidy from Nanporo
local government where a contracted company, instead of farmers,
collects and transports rice straw in order to ensure the financial
feasibility of the system, contributing to job creation in the region.
Abstract: The paper presents combined automatic speech
recognition (ASR) of English and machine translation (MT) for
English and Croatian and Croatian-English language pairs in the
domain of business correspondence. The first part presents results of
training the ASR commercial system on English data sets, enriched
by error analysis. The second part presents results of machine
translation performed by free online tool for English and Croatian
and Croatian-English language pairs. Human evaluation in terms of
usability is conducted and internal consistency calculated by
Cronbach's alpha coefficient, enriched by error analysis. Automatic
evaluation is performed by WER (Word Error Rate) and PER
(Position-independent word Error Rate) metrics, followed by
investigation of Pearson’s correlation with human evaluation.
Abstract: Access control is one of the most challenging issues
facing information security. Access control is defined as, the ability to
permit or deny access to a particular computational resource or digital
information by an unauthorized user or subject. The concept of usage
control (UCON) has been introduced as a unified approach to capture a
number of extensions for access control models and systems. In
UCON, an access decision is determined by three factors:
authorizations, obligations and conditions. Attribute mutability and
decision continuity are two distinct characteristics introduced by
UCON for the first time. An observation of UCON components
indicates that, the components are predefined and static. In this paper,
we propose a new and flexible model of usage control for the creation
and elimination of some of these components; for example new
objects, subjects, attributes and integrate these with the original
UCON model. We also propose a model for concurrent usage
scenarios in UCON.
Abstract: The main objective of this study was to identify
factors and conditions that motivated and encouraged students
towards the math class and the factors that made this class an
attractive and lovely one. To do this end, questionnaires consisting of
15 questions were distributed among 85 math teachers working in
schools of Zahedan. Having collected and reviewed these
questionnaires, it was shown that doing activity in math class
(activity of students while teaching) and previous math teachers'
behaviors have had much impact on encouraging the students
towards mathematics. Separation of educational classroom of
mathematics from the main classroom (which is decorated with crafts
created by students themselves with regard to math book including
article, wall newspaper, figures and formulas), peers, size and
appearance of math book, first grade teachers in each educational
level, among whom the Elementary first grade teachers had more
importance and impact, were among the most influential and
important factors in this regard. Then, school environment, family,
conducting research related to mathematics, its application in daily
life and other courses and studying the history of mathematics were
categorized as important factors that would increase the students’
interest in mathematics.
Abstract: In addition to the production, which is already
frequently optimized, improving the distribution logistics also opens
up tremendous potential for increasing an enterprise’s
competitiveness. Here too though, numerous interactions need to be
taken into account, enterprises thus need to be able to identify and
weigh between different potentials for economically efficient
optimizations. In order to be able to assess potentials, enterprises
require a suitable method. This paper first briefly presents the need
for this research before introducing the procedure that will be used to
develop an appropriate method that not only considers interactions
but is also quickly and easily implemented.
Abstract: In this research work, neural networks were applied to
classify two types of hip joint implants based on the relative hip joint
implant side speed and three components of each ground reaction
force. The condition of walking gait at normal velocity was used and
carried out with each of the two hip joint implants assessed. Ground
reaction forces’ kinetic temporal changes were considered in the first
approach followed but discarded in the second one. Ground reaction
force components were obtained from eighteen patients under such
gait condition, half of which had a hip implant type I-II, whilst the
other half had the hip implant, defined as type III by Orthoload®.
After pre-processing raw gait kinetic data and selecting the time
frames needed for the analysis, the ground reaction force components
were used to train a MLP neural network, which learnt to distinguish
the two hip joint implants in the abovementioned condition. Further
to training, unknown hip implant side and ground reaction force
components were presented to the neural networks, which assigned
those features into the right class with a reasonably high accuracy for
the hip implant type I-II and the type III. The results suggest that
neural networks could be successfully applied in the performance
assessment of hip joint implants.