Abstract: Financial literacy is a widely discussed topic on the
national and international level by governments, organizations and
academia. For this reason, this study analyses financial knowledge,
financial behavior, and financial attitudes of students of finance. The
aim of the paper is to determine whether the financial literacy of
university students studying finance differs from the level of financial
literacy in selected OECD countries. The research was conducted at
Masaryk University in the Czech Republic. The empirical study
comprises questions related to several aspects of financial literacy,
such as financial knowledge, personal finance behavior, or decisionmaking.
The results indicate that improvement in financial literacy of
university students is still required, even though their major is finance
related.
Abstract: Mechanical behavior of 6082T6 aluminum is
investigated at different temperatures. The strain rate sensitivity is
investigated at different temperatures on the grain size variants. The
sensitivity of the measured grain size variants on 3-D grain is
discussed. It is shown that the strain rate sensitivities are negative for
the grain size variants during the deformation of nanostructured
materials. It is also observed that the strain rate sensitivities vary in
different ways with the equivalent radius, semi minor axis radius,
semi major axis radius and major axis radius. From the obtained
results, it is shown that the variation of strain rate sensitivity with
temperature suggests that the strain rate sensitivity at the low and the
high temperature ends of the 6082T6 aluminum range is different.
The obtained results revealed transition at different temperature from
negative strain rate sensitivity as temperature increased on the grain
size variants.
Abstract: In this work, our goal is to optimize the nitriding treatment at a low-temperature of the steel 32CrMoV13 using gas mixtures of ammonia, nitrogen and hydrogen to improve the mechanical properties of the surface (good wear resistance, friction and corrosion), and of the diffusion layer of the nitrogen (good resistance to fatigue and good tenacity with heart). By limiting our work to the pure iron and to the alloys iron-chromium and iron-chromium-carbon, we have studied the various parameters which manage the nitriding: flow rate and composition of the gaseous phase, the interaction chromium-nitrogen and chromium-carbon by the help of experiments of nitriding realized in the laboratory by thermogravimetry. The acquired knowledge has been applied by the mastery of the growth of the γ' combination layer on the α diffusion layer in the case of the industrial steel 32CrMoV13.
Abstract: Biochar can be produced from the waste matter and its
application has been associated with returning of carbon in large
amounts into the soil. The impacts of this material on physical and
chemical properties of soil have been described. The biggest part of
the research work is dedicated to the hypothesis of this material’s
toxic effects on the soil life regarding its effect on the soil biological
component. At present, it has been worked on methods which could
eliminate these undesirable properties of biochar. One of the
possibilities is to mix biochar with organic material, such as compost,
or focusing on the natural processes acceleration in the soil. In the
experiment has been used as the addition of compost as well as the
elimination of toxic substances by promoting microbial activity in
aerated water environment. Biochar was aerated for 7 days in a
container with a volume of 20 l. This way modified biochar had six
times higher biomass production and reduce mineral nitrogen
leaching. Better results have been achieved by mixing biochar with
compost.
Abstract: The myocardium is composed of specialized muscle
which relies mainly on fatty acid and sugar metabolism and it is
widely contribute to the heart functioning. The changes of the cardiac
energy-producing system during heart failure have been proved using
autoradiography techniques. This study focused on evaluating sugar
and fatty acid metabolism in myocardium as cardiac energy getting
system using heart-accumulated radiopharmaceuticals. Two sets of
autoradiographs of heart cross sections of Lewis male rats were
analyzed and the time- accumulation curve obtained with use of the
MATLAB image processing software to evaluate fatty acid and sugar
metabolic functions.
Abstract: The goal of this paper is to specify factors influencing
the profitability of selected banks. Next, a model will be created to
help establish variables that have a demonstrable influence on the
development of the selected banks' profitability ratios. Czech banks
and their international parent companies were selected for analyzing
profitability. Banks categorized as large banks (according to the
Czech National Bank's system, which ranks banks according to
balance sheet total) were selected to represent the Czech banks. Two
ratios, the return on assets ratio (ROA) and the return on equity ratio
(ROE) are used to assess bank profitability. Six endogenous and four
external indicators were selected from among other factors that
influence bank profitability. The data analyzed were for 2001–2013.
First, correlation analysis, which was supposed to eliminate
correlated values, was conducted. A large number of correlated
values were established on the basis of this analysis. The strongly
correlated values were omitted. Despite this, the subsequent
regression analysis of profitability for the individual banks that were
selected did not confirm that the selected variables influenced their
profitability. The studied factors' influence on bank profitability was
demonstrated only for Ceskoslovenska Obchodni Banka and Société
Générale using regression analysis. For Československa Obchodni
Banka, it was demonstrated that inflation level and the amount of the
central bank's interest rate influenced the return on assets ratio and
that capital adequacy and market concentration influenced the return
on equity ratio for Société Générale.
Abstract: Privacy is sacred and would normally be expected and preserved by an individual. Online privacy is no longer about the right to be left alone, but also includes the right not to be monitored. However, with the revelations made by United States National Security Agency former employee Edward Snowden that the government is spying on internet communications, individuals’ privacy can no longer be expected. Therefore, this paper is intended to evaluate law related to privacy protection in the digital domain, who should govern it and whether invasion to a person’s privacy is a necessary justification to preserve national security.
Abstract: This paper introduces an effective method of
segmenting Korean text (place names in Korean) from a Korean road
sign image. A Korean advanced directional road sign is composed of
several types of visual information such as arrows, place names in
Korean and English, and route numbers. Automatic classification of
the visual information and extraction of Korean place names from the
road sign images make it possible to avoid a lot of manual inputs to a
database system for management of road signs nationwide. We
propose a series of problem-specific heuristics that correctly segments
Korean place names, which is the most crucial information, from the
other information by leaving out non-text information effectively. The
experimental results with a dataset of 368 road sign images show 96%
of the detection rate per Korean place name and 84% per road sign
image.
Abstract: The purpose of the study is to investigate the level of
intrinsic motivation of trainers after attending a Continuous
Professional Development Course (CPD) organized by Institute of
Teacher Training Malaysia titled, “Transformation of Teaching and
Learning the Fun Way”. This study employed a survey whereby 96
teacher trainers were given Situational Intrinsic Motivational Scale
(SIMS) Instruments. Confirmatory factor analysis was carried out to
get the validity of this instrument in local setting. Data were analyzed
with SPSS for descriptive statistic. Semi- structured interviews were
also administrated to collect qualitative data on participants’
experiences after participating in the two-day fun-filled program. The
findings showed that the participants’ level of intrinsic motivation
showed higher mean than the amotivation. The results revealed that
the intrinsic motivation mean is 19.0 followed by Identified
regulation with a mean of 17.4, external regulation 9.7 and
amotivation 6.9. The interview data also revealed that the participants
were motivated after attending this training program. It can be
concluded that this program, which was organized by Institute of
Teacher Training Malaysia, was able to enhance participants’ level of
motivation. Self-Determination Theory (SDT) as a multidimensional
approach to motivation was utilized. Therefore, teacher trainers may
have more success using the “The fun way approach” in conducting
training program in future.
Abstract: The aim of the study was to investigate the effect of
Saccharomyces cerevisiae (SC) live yeast culture on microbial
protein supply to small intestine in Kivircik male yearlings when fed
with different ratio of forage and concentrate diets. Four Kivircik
male yearlings with permanent rumen canula were used in the
experiment. The treatments were allocated to a 4x4 Latin square
design. Diet I consisted of 70% alfalfa hay and 30% concentrate, Diet
II consisted of 30% alfalfa hay and 70% concentrate, Diet I and II
were supplemented with a SC. Daily urine was collected and stored at
-20°C until analysis. Calorimetric methods were used for the
determination of urinary allantoin and creatinine levels. The
estimated microbial N supply to small intestine for Diets I, I+SC, II
and II+SC were 2.51, 2.64, 2.95 and 3.43 g N/d respectively.
Supplementation of Diets I and II with SC significantly affected the
allantoin levels in μmol/W0.75 (p
Abstract: The modelling of physical phenomena, such as the
earth’s free oscillations, the vibration of strings, the interaction of
atomic particles, or the steady state flow in a bar give rise to Sturm-
Liouville (SL) eigenvalue problems. The boundary applications of
some systems like the convection-diffusion equation, electromagnetic
and heat transfer problems requires the combination of Dirichlet and
Neumann boundary conditions. Hence, the incorporation of Robin
boundary condition in the analyses of Sturm-Liouville problem. This
paper deals with the computation of the eigenvalues and
eigenfunction of generalized Sturm-Liouville problems with Robin
boundary condition using the finite element method. Numerical
solution of classical Sturm–Liouville problem is presented. The
results show an agreement with the exact solution. High results
precision is achieved with higher number of elements.
Abstract: This research was made during the 2015 growing
periods in the trial filed of "Research Station for Department of Field
Crops, Agricultural Faculty, Selcuk University" according to
“Randomized Blocks Design” with 3 replications. Research material
was the following pea lines; PS16, PS18, PS21, PS23, PS24, PS25,
PS36, PS47, PS49, PS51, PS54, PS58, PS67, PS69, PS71, PS73,
PS83, PS84, PS87 and PSKY and three cultivars and other 2
commercial varieties named as Bolero, Rondo and Ultrello. Some
agronomical characteristics such as plant height (cm) number of pod
per plant number of seed per pod number of seed per plant 100 seed
weight (g) and seed yield (kg ha-1) were determined. The highest seed
yield was obtained 2727.0 kg ha-1 in the PS71 line and the lowest
value was obtained 1238.0 kg ha-1 in the commercial variety of
Bolero. Results of the research implicated that the new developed
lines were superior compared with the control (commercial) varieties
by means of most of the characteristics. Nevertheless, similar
researches should be continued in different locations and years.
Abstract: Finding the optimal 3D path of an aerial vehicle under
flight mechanics constraints is a major challenge, especially when
the algorithm has to produce real time results in flight. Kinematics
models and Pythagorian Hodograph curves have been widely used
in mobile robotics to solve this problematic. The level of difficulty
is mainly driven by the number of constraints to be saturated at the
same time while minimizing the total length of the path. In this paper,
we suggest a pragmatic algorithm capable of saturating at the same
time most of dimensioning helicopter 3D trajectories’ constraints
like: curvature, curvature derivative, torsion, torsion derivative, climb
angle, climb angle derivative, positions. The trajectories generation
algorithm is able to generate versatile complex 3D motion primitives
feasible by a helicopter with parameterization of the curvature and the
climb angle. An upper ”motion primitives’ concatenation” algorithm
is presented based. In this article we introduce a new way of designing
three-dimensional trajectories based on what we call the ”Dubins
gliding symmetry conjecture”. This extremely performing algorithm
will be soon integrated to a real-time decisional system dealing with
inflight safety issues.
Abstract: In Algeria, the conditioning units of dates, generate
significant quantities of waste arising from sorting deviations. This
biomass, until then considered as a waste with high impact on the
environment can be transformed into high value added product. It is
possible to develop common dates of low commercial value, and put
on the local and international market a new generation of products
with high added values such as bio ethanol. Besides its use in
chemical synthesis, bio ethanol can be blended with gasoline to
produce a clean fuel while improving the octane.
Abstract: With the increasing dependence of countries on the
critical infrastructure, it increases their vulnerability. Big threat is
primarily in the human factor (personnel of the critical infrastructure)
and in terrorist attacks. It emphasizes the development of
methodology for searching of weak points and their subsequent
elimination. This article discusses methods for the analysis of safety
in the objects of critical infrastructure. It also contains proposal for
methodology for training employees of security services in the
objects of the critical infrastructure and developing scenarios of
attacks on selected objects of the critical infrastructure.
Abstract: The 1:1 cocrystal of 2-amino-4-chloro-6-
methylpyrimidine (2A4C6MP) with 4-methylbenzoic acid (4MBA)
(I) has been prepared by slow evaporation method in methanol,
which was crystallized in monoclinic C2/c space group, Z = 8, and a
= 28.431 (2) Å, b = 7.3098 (5) Å, c = 14.2622 (10) Å and β =
109.618 (3)°. The presence of unionized –COOH functional group in
cocrystal I was identified both by spectral methods (1H and 13C
NMR, FTIR) and X-ray diffraction structural analysis. The
2A4C6MP molecule interact with the carboxylic group of the
respective 4MBA molecule through N—H⋯O and O—H⋯N
hydrogen bonds, forming a cyclic hydrogen–bonded motif R2
2(8).
The crystal structure was stabilized by Npyrimidine—H⋯O=C and
C=O—H⋯Npyrimidine types hydrogen bonding interactions.
Theoretical investigations have been computed by HF and density
function (B3LYP) method with 6–311+G (d,p)basis set. The
vibrational frequencies together with 1H and 13C NMR chemical
shifts have been calculated on the fully optimized geometry of
cocrystal I. Theoretical calculations are in good agreement with the
experimental results. Solvent–free formation of this cocrystal I is
confirmed by powder X-ray diffraction analysis.
Abstract: It is very important for a developing nation to
developing their infrastructure on the prime priority because their
infrastructure particularly their roads and transportation functions as a
blood in the system. Almost 1.1 billion populations share the travel
and transportation industry in India. On the other hand, the Pakistan
transportation industry is also extensive and elevating about 170
million users of transportation. Indian and Pakistani specifically
within bus industry are well connected within and between the urban
and rural areas. The transportation industry is radically helping the
economic alleviation of both countries. Due to high economic
instability, unemployment and poverty rate both countries
governments are very serious and committed to help for boosting
their economy. They believe that any form of transportation
development would play a vital role in the development of land,
infrastructure which could indirectly support many other industries’
developments, such as tourism, freighting and shipping businesses,
just to mention a few. However, it seems that their previous
transportation planning in the due course has failed to meet the fast
growing demand. As with the span of time, both the countries are
looking forward to a long-term, and economical solutions, because
the demand is from time to time keep appreciating and reacting
according to other key economic drivers. Content analysis method
and case study approach is used in this paper and secondary data
from the bureau of statistic is used for case analysis. The paper
focused on the mobility concerns of the lower and middle-income
people in India and Pakistan. The paper is aimed to highlight the
weaknesses, opportunities and limitations resulting from low priority
industry for a government, which is making the either country's
public suffer. The paper has concluded that the main issue is
identified as the slow, inappropriate, and unfavorable decisions which
are not in favor of long-term country’s economic development and
public interest. The paper also recommends to future research
avenues for public and private transportation, which is continuously
failing to meet the public expectations.
Abstract: A theoretical study of a humidification
dehumidification solar desalination unit has been carried out to
increase understanding the effect of weather conditions on the unit
productivity. A humidification-dehumidification (HD) solar
desalination unit has been designed to provide fresh water for
population in remote arid areas. It consists of solar water collector
and air collector; to provide the hot water and air to the desalination
chamber. The desalination chamber is divided into humidification
and dehumidification towers. The circulation of air between the two
towers is maintained by the forced convection. A mathematical
model has been formulated, in which the thermodynamic relations
were used to study the flow, heat and mass transfer inside the
humidifier and dehumidifier. The present technique is performed in
order to increase the unit performance. Heat and mass balance has
been done and a set of governing equations has been solved using the
finite difference technique. The unit productivity has been calculated
along the working day during the summer and winter sessions and
has compared with the available experimental results. The average
accumulative productivity of the system in winter has been ranged
between 2.5 to 4 (kg/m2)/day, while the average summer productivity
has been found between 8 to 12 (kg/m2)/day.
Abstract: Nature constantly changes as a result of human
necessities. This change mostly feels in natural water sources which
are reconstructed with an effect of dams and motorways. In other
respects, visual quality of the landscape gets a new and different
character during and after the construction of dams and motorways.
Changing and specialization new landscapes will be very important
to protection-usage balance to explore sustainable usage facilities.
The main cause of the selection of Artvin city is that it has very
important geographical location and one of the most attraction points
in the World with its biodiversity, conservation areas and natural
landscape characteristics. Many hydroelectric station and 7 dams are
situated, 3 of them have already been built on the Çoruh River in the
province of Artvin. As a result of dams, motorways route were reshaped
and the ways which have already changed because of
elevation is directly affected several of natural destruction. In
contrast, many different reservoirs in Coruh Basin provide new vista
point that has high visual quality. In this study, we would like to
evaluate with sustainable landscape design in 76 km river corridor,
which is mainly based on Deriner, Borçka and Muratlı Dams and
determination of their basin-lakes recreational potential and
opportunities. Lastly, we are going to give some suggestion about the
potential of the corridor.
Abstract: Within Rapid Prototyping technologies are used many
types of materials. Many of them are recyclable but there are still as
plastic like, so practically they do not degrade in the landfill.
Polylactic acid (PLA) is one of the special plastic materials, which
are biodegradable and available for 3D printing within Fused
Deposition Modeling (FDM) technology. The question is, if the
mechanical properties of produced models are comparable to similar
technical plastic materials which are usual for prototype production.
Presented paper shows the experiments results for tensile strength
measurements for specimens prepared with different 3D printer
settings and model orientation. Paper contains also the comparison of
tensile strength values with values measured on specimens produced
by conventional technologies as injection moulding.