Abstract: This paper seeks to assess the implications of bank
consolidation on lending, which largely determine the survival and
performance of small and medium scale enterprises and in turn the
development of the Nigerian economy. Ordinary least square
technique, correlation matrix test and Granger –causality test were
employed to measure the extent to which lending to small and
medium scale enterprises were influenced. The result showed that
bank deposit (BD) impacted on lending to small and medium scale
enterprises. Commercial and merchant bank lending rate had
statistically insignificant effect on the dependent variable. There is a
shift of focus by commercial banks from small and medium scale
enterprises (small customers) to major investors (big customers).
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. The capital and deposits of micro
finance bank should be boosted in order to effectively support small
and medium scale enterprises through loans.
Abstract: This paper presents the modeling approach in SBO
sequence for VVER 1000 reactors and describes the reactor core
behavior at late in-vessel phase in case of late reflooding by HPIS
and gives preliminary results for the ASTECv2 validation. The work
is focused on investigation of plant behavior during total loss of
power and the operator actions. The main goal of these analyses is to
assess the phenomena arising during the Station blackout (SBO)
followed by primary side high pressure injection system (HPIS)
reflooding of already damaged reactor core at very late “in-vessel”
phase. The purpose of the analyses is to define how the later HPIS
switching on can delay the time of vessel failure or possibly avoid
vessel failure. The times for HPP injection were chosen based on
previously performed investigations.
Abstract: Tamil handwritten document is taken as a key source
of data to identify the writer. Tamil is a classical language which has
247 characters include compound characters, consonants, vowels and
special character. Most characters of Tamil are multifaceted in
nature. Handwriting is a unique feature of an individual. Writer may
change their handwritings according to their frame of mind and this
place a risky challenge in identifying the writer. A new
discriminative model with pooled features of handwriting is proposed
and implemented using support vector machine. It has been reported
on 100% of prediction accuracy by RBF and polynomial kernel based
classification model.
Abstract: One of the most important challenging factors in
medical images is nominated as noise. Image denoising refers to the
improvement of a digital medical image that has been infected by
Additive White Gaussian Noise (AWGN). The digital medical image
or video can be affected by different types of noises. They are
impulse noise, Poisson noise and AWGN. Computed tomography
(CT) images are subjects to low quality due to the noise. Quality of
CT images is dependent on absorbed dose to patients directly in such
a way that increase in absorbed radiation, consequently absorbed
dose to patients (ADP), enhances the CT images quality. In this
manner, noise reduction techniques on purpose of images quality
enhancement exposing no excess radiation to patients is one the
challenging problems for CT images processing. In this work, noise
reduction in CT images was performed using two different
directional 2 dimensional (2D) transformations; i.e., Curvelet and
Contourlet and Discrete Wavelet Transform (DWT) thresholding
methods of BayesShrink and AdaptShrink, compared to each other
and we proposed a new threshold in wavelet domain for not only
noise reduction but also edge retaining, consequently the proposed
method retains the modified coefficients significantly that result good
visual quality. Data evaluations were accomplished by using two
criterions; namely, peak signal to noise ratio (PSNR) and Structure
similarity (Ssim).
Abstract: Damaturu is the capital of Yobe State in northeastern
Nigeria where civic amenities and facilities are not adequate even
after 24 years of its existence. The volatile security and political
situations are most significant causes for the same. The basic facility
for the citizens in terms of drinking water and electricity are not
available. For the drinking water, they have to rely on personal
boreholes or the filtered borehole waters available in packaged
sachets in market. The present study is concerned with environmental
impact of indiscriminate disposal of drinking synthetic polythene
water sachets in Damaturu. The sachet water is popularly called as
“pure water”, but its purity is questionable. Increased production and
consumption of sachet water has led to indiscriminate dumping and
disposal of empty sachets leading to serious environmental threat.
The evidence of this is seen for sachets littering the streets and the
drainages blocked by ‘blocks’ of water sachet waste. Sachet water
gained much popularity in Nigeria because the product is convenient
for use, affordable and economically viable. The present study aims
to find out the solution to this environmental problem. The fieldbased
study has found some significant factors that cause
environmental and socio economic effect due to this. Some
recommendations have been made based on research findings
regarding sustainable waste management, recycling and re-use of the
non-biodegradable products in society.
Abstract: This paper discusses the general methods to saturation
in the steady-state, two axis (d & q) frame models of synchronous
machines. In particular, the important role of the magnetic coupling
between the d-q axes (cross-magnetizing phenomenon), is
demonstrated. For that purpose, distinct methods of saturation
modeling of dumper synchronous machine with cross-saturation are
identified, and detailed models synthesis in d-q axes. A number of
models are given in the final developed form. The procedure and the
novel models are verified by a critical application to prove the
validity of the method and the equivalence between all developed
models is reported. Advantages of some of the models over the
existing ones and their applicability are discussed.
Abstract: Sweden has succeeded to maintain a high level of
growth and development and has managed to sustain highly ranked
position among the world’s developed countries. In this regard,
Swedish universities are playing a vital role in supporting innovation
and entrepreneurship at all levels and developing Swedish knowledge
economy. This paper is aiming to draw on the experiences of two leading
Swedish universities, addressing their transformation approach to
create entrepreneurial universities and fulfilling their objectives in the
era of knowledge economy. The objectives of the paper include: 1) Introducing the Swedish
higher education and its characteristics. 2) Examining the
infrastructure elements for innovation and Entrepreneurship at two of
the Swedish entrepreneurial universities. 3) Addressing the key
aspects of support systems in the initiatives of both Chalmers and
Gothenburg universities to support innovation and advance
entrepreneurial practices. The paper will contribute to two discourses: 1) Examining the
relationship between support systems for innovation and
entrepreneurship and the Universities’ policies and practices. 2)
Lessons for University leaders to assist the development and
implementation of effective innovation and entrepreneurship policies
and practices.
Abstract: This study aims to increase understanding of the
transition of business models in servitization. The significance of
service in all business has increased dramatically during the past
decades. Service-dominant logic (SDL) describes this change in the
economy and questions the goods-dominant logic on which business
has primarily been based in the past. A business model canvas is one
of the most cited and used tools in defining end developing business
models. The starting point of this paper lies in the notion that the
traditional business model canvas is inherently goods-oriented and
best suits for product-based business. However, the basic differences
between goods and services necessitate changes in business model
representations when proceeding in servitization. Therefore, new
knowledge is needed on how the conception of business model and
the business model canvas as its representation should be altered in
servitized firms in order to better serve business developers and interfirm
co-creation. That is to say, compared to products, services are
intangible and they are co-produced between the supplier and the
customer. Value is always co-created in interaction between a
supplier and a customer, and customer experience primarily depends
on how well the interaction succeeds between the actors. The role of
service experience is even stronger in service business compared to
product business, as services are co-produced with the customer. This paper provides business model developers with a service
business model canvas, which takes into account the intangible,
interactive, and relational nature of service. The study employs a
design science approach that contributes to theory development via
design artifacts. This study utilizes qualitative data gathered in
workshops with ten companies from various industries. In particular,
key differences between Goods-dominant logic (GDL) and SDLbased
business models are identified when an industrial firm
proceeds in servitization. As the result of the study, an updated version of the business
model canvas is provided based on service-dominant logic. The
service business model canvas ensures a stronger customer focus and
includes aspects salient for services, such as interaction between
companies, service co-production, and customer experience. It can be
used for the analysis and development of a current service business
model of a company or for designing a new business model. It
facilitates customer-focused new service design and service
development. It aids in the identification of development needs, and
facilitates the creation of a common view of the business model.
Therefore, the service business model canvas can be regarded as a
boundary object, which facilitates the creation of a common
understanding of the business model between several actors involved.
The study contributes to the business model and service business
development disciplines by providing a managerial tool for
practitioners in service development. It also provides research insight
into how servitization challenges companies’ business models.
Abstract: Main purpose of this study is to identify the impact of
government expenditure on economic growth in Asian Countries.
Consequently, main objective is to analyze whether government
expenditure causes economic growth in Asian countries vice versa
and then scrutinizing long-run equilibrium relationship exists
between them. The study completely based on secondary data. The
methodology being quantitative that includes econometrical
techniques of cointegration, panel fixed effects model and granger
causality in the context of panel data of Asian countries; Singapore,
Malaysia, Thailand, South Korea, Japan, China, Sri Lanka, India and
Bhutan with 44 observations in each country, totaling to 396
observations from 1970 to 2013. The model used is the random
effects panel OLS model. As with the above methodology, the study
found the fascinating outcome. At first, empirical findings exhibit a
momentous positive impact of government expenditure on Gross
Domestic Production in Asian region. Secondly, government
expenditure and economic growth indicate a long-run relationship in
Asian countries. In conclusion, there is a unidirectional causality
from economic growth to government expenditure and government
expenditure to economic growth in Asian countries. Hence the study
is validated that it is in line with the Keynesian theory and Wagner’s
law as well. Consequently, it can be concluded that role of
government would play a vital role in economic growth of Asian
Countries. However; if government expenditure did not figure out
with the economy’s needs it might be considerably inspiration the
economy in a negative way so that society bears the costs.
Abstract: In many countries, governments have been promoting the involvement of private sector entities to enter into long-term agreements for the development and delivery of large infrastructure projects, with a focus on overcoming the limitations upon public fund of the traditional approach. The involvement of private sector through public private partnerships (PPP) brings in new capital investments, value for money and additional risks to handle. Worldwide research studies have shown that an objective, systematic, reliable and useroriented risk assessment process and an optimal allocation mechanism among different stakeholders is crucial to the successful completion. In this framework, this paper, which is the first stage of a research study, aims to identify the main risks for the delivery of PPP projects. A review of cross-countries research projects and case studies was performed to map the key risks affecting PPP infrastructure delivery. The matrix of mapping offers a summary of the frequency of factors, clustered in eleven categories: construction, design, economic, legal, market, natural, operation, political, project finance, project selection and relationship. Results will highlight the most critical risk factors, and will hopefully assist the project managers in directing the managerial attention in the further stages of risk allocation.
Abstract: Tamil handwritten document is taken as a key source of data to identify the writer. Tamil is a classical language which has 247 characters include compound characters, consonants, vowels and special character. Most characters of Tamil are multifaceted in nature. Handwriting is a unique feature of an individual. Writer may change their handwritings according to their frame of mind and this place a risky challenge in identifying the writer. A new discriminative model with pooled features of handwriting is proposed and implemented using support vector machine. It has been reported on 100% of prediction accuracy by RBF and polynomial kernel based classification model.
Abstract: Water resource systems modeling has constantly been
a challenge through history for human beings. As the innovative
methodological development is evolving alongside computer sciences
on one hand, researches are likely to confront more complex and
larger water resources systems due to new challenges regarding
increased water demands, climate change and human interventions,
socio-economic concerns, and environment protection and
sustainability. In this research, an automatic calibration scheme has
been applied on the Gilan’s large-scale water resource model using
mathematical programming. The water resource model’s calibration
is developed in order to attune unknown water return flows from
demand sites in the complex Sefidroud irrigation network and other
related areas. The calibration procedure is validated by comparing
several gauged river outflows from the system in the past with model
results. The calibration results are pleasantly reasonable presenting a
rational insight of the system. Subsequently, the unknown optimized
parameters were used in a basin-scale linear optimization model with
the ability to evaluate the system’s performance against a reduced
inflow scenario in future. Results showed an acceptable match
between predicted and observed outflows from the system at selected
hydrometric stations. Moreover, an efficient operating policy was
determined for Sefidroud dam leading to a minimum water shortage
in the reduced inflow scenario.
Abstract: Unsatisfactory experiences due to an information shortage regarding the future pay-offs of actual choices, yield satisficing decision-making. This research will examine, for the first time in the literature, the motivation behind suboptimal decisions due to uncertainty by subjecting Adam Smith’s and Jeremy Bentham’s assumptions about the nature of the actions that lead to satisficing behavior, in order to clarify the theoretical background of a “consumption-based satisfactory time” concept. The contribution of this paper with respect to the existing literature is threefold: firstly, it is showed in this paper that Adam Smith’s uncertainty is related to the problem of the constancy of ideas and not related directly to beliefs. Secondly, possessions, as in Jeremy Bentham’s oeuvre, are assumed to be just as pleasing, as protecting and improving the actual or expected quality of life, so long as they reduce any displeasure due to the undesired outcomes of uncertainty. Finally, each consumption decision incurs its own satisfactory time period, owed to not feeling hungry, being healthy, not having transportation…etc. This reveals that the level of satisfaction is indeed a behavioral phenomenon where its value would depend on the simultaneous satisfaction derived from all activities.
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 present paper attempts to investigate the
prediction of air entrainment rate and aeration efficiency of a free
overfall jets issuing from a triangular sharp crested weir by using
regression based modelling. The empirical equations, Support vector
machine (polynomial and radial basis function) models and the linear
regression techniques were applied on the triangular sharp crested
weirs relating the air entrainment rate and the aeration efficiency to
the input parameters namely drop height, discharge, and vertex angle.
It was observed that there exists a good agreement between the
measured values and the values obtained using empirical equations,
Support vector machine (Polynomial and rbf) models and the linear
regression techniques. The test results demonstrated that the SVM
based (Poly & rbf) model also provided acceptable prediction of the
measured values with reasonable accuracy along with empirical
equations and linear regression techniques in modelling the air
entrainment rate and the aeration efficiency of a free overfall jets
issuing from triangular sharp crested weir. Further sensitivity analysis
has also been performed to study the impact of input parameter on the
output in terms of air entrainment rate and aeration efficiency.
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: This study analyzed the effect of area variables and
economic variables on the length of each period of the project in order
to analyze the effect of agreement rate on project implementation in
housing renewal projects. In conclusion, as can be seen from these
results, a low agreement rate may not translate into project promotion,
and a higher agreement rate may not translate into project delay. The
expectation of the policy is that the lower the agreement rate, the more
projects would be promoted, but that is not the actual effect. From a
policy consistency viewpoint, changing the agreement rate frequently,
depending on the decision of the public, is not reasonable. The policy
of using agreement rate as a necessary condition for project
implementation should be reconsidered.
Abstract: This study intends to show the influence of the
hydrolytic degradation on the properties of the e-PTFE/NOMEX®
membranes used in fire-protective clothing. The modification of
water vapour permeability, morphology and chemical structure was
examined by MOCON Permatran, electron microscopy scanning
(SEM), and ATR-FTIR, respectively. A decrease in permeability to
water vapour of the aged samples was observed following closure of
transpiration pores. Analysis of fiber morphology indicates the
appearance of defects at the fibers surface with the presence of micro
cavities. ATR-FTIR analysis reveals the presence of a new absorption
band attributed to carboxylic acid terminal groups generated during
the amide bond hydrolysis.
Abstract: In this study, an Artificial Neural Network (ANN)
analytical method has been developed for analyzing earthquake
performances of the Reinforced Concrete (RC) buildings. 66 RC
buildings with four to ten storeys were subjected to performance
analysis according to the parameters which are the existing material,
loading and geometrical characteristics of the buildings. The selected
parameters have been thought to be effective on the performance of
RC buildings. In the performance analyses stage of the study, level of
performance possible to be shown by these buildings in case of an
earthquake was determined on the basis of the 4-grade performance
levels specified in Turkish Earthquake Code-2007 (TEC-2007). After
obtaining the 4-grade performance level, selected 23 parameters of
each building have been matched with the performance level. In this
stage, ANN-based fast evaluation algorithm mentioned above made
an economic and rapid evaluation of four to ten storey RC buildings.
According to the study, the prediction accuracy of ANN has been
found about 74%.
Abstract: In this paper, the notion of rank−k numerical range
of rectangular complex matrix polynomials are introduced. Some
algebraic and geometrical properties are investigated. Moreover, for
Є > 0, the notion of Birkhoff-James approximate orthogonality
sets for Є−higher rank numerical ranges of rectangular matrix
polynomials is also introduced and studied. The proposed definitions
yield a natural generalization of the standard higher rank numerical
ranges.