Abstract: The banking sector poses a lot of problems in Nigeria in general and the non-oil export sector in particular. The banks' lack effectiveness in handling small, medium or long-term credit risk (lack of training of loan officers, lack of information on borrowers and absence of a reliable credit registry) results in non-oil exporters being burdened with high requirements, such as up to three years of financial statements, enough collateral to cover both the loan principal and interest (including a cash deposit that may be up to 30% of the loans' net present value), and to provide every detail of the international trade transaction in question. The stated problems triggered this research. Consequently, information on bank financing of non-oil exports was collected from 100 respondents from the 20 Deposit Money Banks (DMBs) in Nigeria. The data was analysed by the use of descriptive statistics correlation and regression. It is found that, Nigerian banks are participants in the financing of non-oil exports. Despite their participation, the rate of interest for credit extended to non-oil export is usually high, ranging between 15-20%. Small and medium sized non-oil export businesses lack the credit history for banks to judge them as reputable. Banks also consider the non-oil export sector very risky for investment. The banks actually do grant less credit than the exporters may require and therefore are not properly funded by banks. Banks grant very low volume of foreign currency loan in addition to, unfavorable exchange rate at which Naira is exchanged to the Dollar and other currencies in the country. This makes importation of inputs costly and negatively impacted on the non-oil export performance in Nigeria.
Abstract: The exponential increase in the volume of medical image database has imposed new challenges to clinical routine in maintaining patient history, diagnosis, treatment and monitoring. With the advent of data mining and machine learning techniques it is possible to automate and/or assist physicians in clinical diagnosis. In this research a medical image classification framework using data mining techniques is proposed. It involves feature extraction, feature selection, feature discretization and classification. In the classification phase, the performance of the traditional kNN k nearest neighbor classifier is improved using a feature weighting scheme and a distance weighted voting instead of simple majority voting. Feature weights are calculated using the interestingness measures used in association rule mining. Experiments on the retinal fundus images show that the proposed framework improves the classification accuracy of traditional kNN from 78.57 % to 92.85 %.
Abstract: Superelastic Shape Memory Alloy (SMA) is accepted
when it used as connection in steel structures. The seismic behaviour
of steel frames with SMA is being assessed in this study. Three eightstorey
steel frames with different SMA systems are suggested, the
first one of which is braced with diagonal bracing system, the second
one is braced with nee bracing system while the last one is which the
SMA is used as connection at the plastic hinge regions of beams.
Nonlinear time history analyses of steel frames with SMA subjected
to two different ground motion records have been performed using
Seismostruct software. To evaluate the efficiency of suggested
systems, the dynamic responses of the frames were compared. From
the comparison results, it can be concluded that using SMA element
is an effective way to improve the dynamic response of structures
subjected to earthquake excitations. Implementing the SMA braces
can lead to a reduction in residual roof displacement. The shape
memory alloy is effective in reducing the maximum displacement at
the frame top and it provides a large elastic deformation range. SMA
connections are very effective in dissipating energy and reducing the
total input energy of the whole frame under severe seismic ground
motion. Using of the SMA connection system is more effective in
controlling the reaction forces at the base frame than other bracing
systems. Using SMA as bracing is more effective in reducing the
displacements. The efficiency of SMA is dependant on the input
wave motions and the construction system as well.
Abstract: This paper present lease agreement regulations in
selected European countries. The lease agreement has a long history
and now is one of the main ways to manage agricultural lands in
Europe. The analysis of individual regulations, which has been done,
indicates that this agreement is very important to build social
relations in agriculture and society. This article provides an analysis
of the legal regulations concerning the lease in France, Spain,
Switzerland, Ukraine and Italy. Article is example of study of the
legal regulations and can be used for legal changes in individual
countries.
Abstract: The orthogonal processes to shape the triangle steel plate into a equilateral vertical steel are examined by an incremental elasto-plastic finite-element method based on an updated Lagrangian formulation. The highly non-linear problems due to the geometric changes, the inelastic constitutive behavior and the boundary conditions varied with deformation are taken into account in an incremental manner. On the contact boundary, a modified Coulomb friction mode is specially considered. A weighting factor r-minimum is employed to limit the step size of loading increment to linear relation. In particular, selective reduced integration was adopted to formulate the stiffness matrix. The simulated geometries of verticality could clearly demonstrate the vertical processes until unloading. A series of experiments and simulations were performed to validate the formulation in the theory, leading to the development of the computer codes. The whole deformation history and the distribution of stress, strain and thickness during the forming process were obtained by carefully considering the moving boundary condition in the finite-element method. Therefore, this modeling can be used for judging whether a equilateral vertical steel can be shaped successfully. The present work may be expected to improve the understanding of the formation of the equilateral vertical steel.
Abstract: Web-based systems have become increasingly
important due to the fact that the Internet and the World Wide Web
have become ubiquitous, surpassing all other technological
developments in our history. The Internet and especially companies
websites has rapidly evolved in their scope and extent of use, from
being a little more than fixed advertising material, i.e. a "web
presences", which had no particular influence for the company's
business, to being one of the most essential parts of the company's
core business.
Traditional software engineering approaches with process models
such as, for example, CMM and Waterfall models, do not work very
well since web system development differs from traditional
development. The development differs in several ways, for example,
there is a large gap between traditional software engineering designs
and concepts and the low-level implementation model, many of the
web based system development activities are business oriented (for
example web application are sales-oriented, web application and
intranets are content-oriented) and not engineering-oriented.
This paper aims to introduce Increment Iterative extreme
Programming (IIXP) methodology for developing web based
systems. In difference to the other existence methodologies, this
methodology is combination of different traditional and modern
software engineering and web engineering principles.
Abstract: In this paper, we have presented a new multivariate fuzzy time series forecasting method. This method assumes mfactors with one main factor of interest. History of past three years is used for making new forecasts. This new method is applied in forecasting total number of car accidents in Belgium using four secondary factors. We also make comparison of our proposed method with existing methods of fuzzy time series forecasting. Experimentally, it is shown that our proposed method perform better than existing fuzzy time series forecasting methods. Practically, actuaries are interested in analysis of the patterns of causalities in road accidents. Thus using fuzzy time series, actuaries can define fuzzy premium and fuzzy underwriting of car insurance and life insurance for car insurance. National Institute of Statistics, Belgium provides region of risk classification for each road. Thus using this risk classification, we can predict premium rate and underwriting of insurance policy holders.
Abstract: The aim of this study the analysis of Turkic culture and their influence on personality. We also discussed the role of history in Turkic folk development. Thereby cultural and anthropological context of ancient Turkic sources reveal concept of the "person". In the article have been analyzed ethnical, cultural, ethnical philosophical content of the world conception of the ancient Turks.
Abstract: Abai Kunanbayev (1845-1904) was a great Kazakh
poet, composer and philosopher. Abai's main contribution to Kazakh
culture and folklore lies in his poetry, which expresses great
nationalism and grew out of Kazakh folk culture. Before him, most
Kazakh poetry was oral, echoing the nomadic habits of the people of
the Kazakh steppes. We want to introduce to abroad our country, its
history, tradition and culture. We can introduce it only through
translations. Only by reading the Kazakh works can foreign people
know who are kazakhs, the style of their life, their thoughts and so
on. All information comes only through translation. The main
requirement to a good translation is that it should be natural or that it
should read as smoothly as the original. Literary translation should
be adequate, should follow the original to the fullest. Translators
have to be loyal to original text, they shouldn-t give the way to
liberty.
Abstract: This paper explores the sense of place in the Vredefort Dome World Heritage site, South Africa, as an essential input for the formulation of spatial planning proposals for the area. Intangible aspects such as personal and symbolic meanings of sites are currently not integrated in spatial planning in South Africa. This may have a detrimental effect on local inhabitants who have a long history with the site and built up a strong place identity. Involving local inhabitants at an early stage of the planning process and incorporating their attitudes and opinions in future intervention in the area, may also contribute to the acceptance of the legitimacy of future policy. An interdisciplinary and mixed-method research approach was followed in this study in order to identify possible ways to anchor spatial planning proposals in the identity of the place. In essence, the qualitative study revealed that inhabitants reflect a deep and personal relationship with and within the area, which contributes significantly to their sense of emotional security and selfidentity. Results include a strong conservation-orientated attitude with regard to the natural rural character of the site, especially in the inner core.
Abstract: The expectation of network performance from the
early days of ARPANET until now has been changed significantly.
Every day, new advancement in technological infrastructure opens
the doors for better quality of service and accordingly level of
perceived quality of network services have been increased over the
time. Nowadays for many applications, late information has no value
or even may result in financial or catastrophic loss, on the other hand,
demands for some level of guarantee in providing and maintaining
quality of service are ever increasing. Based on this history, having a
QoS aware routing system which is able to provide today's required
level of quality of service in the networks and effectively adapt to the
future needs, seems as a key requirement for future Internet. In this
work we have extended the traditional AntNet routing system to
support QoS with multiple metrics such as bandwidth and delay
which is named Q-Net. This novel scalable QoS routing system aims
to provide different types of services in the network simultaneously.
Each type of service can be provided for a period of time in the
network and network nodes do not need to have any previous
knowledge about it. When a type of quality of service is requested,
Q-Net will allocate required resources for the service and will
guarantee QoS requirement of the service, based on target objectives.
Abstract: Climate change causes severe effects on natural
habitats, especially wetlands. These challenges require the adaptation
of their management to probable effects of climate change. A
compilation of necessary changes in land management was collected
in a Hungarian area being both national park and Natura 2000 SAC
and SCI site in favor of increasing the resilience and reducing
vulnerability. Several factors, such as ecological aspects, nature
conservation and climatic adaptation should be combined with social
and economic factors during the process of developing climate
change adapted management on vulnerable wetlands. Planning
adaptive management should be determined by a priority order of
conservation aims and evaluation of factors at the determined
planning unit. Mowing techniques, frequency and exact date should
be observed as well as grazing species and their breed, due to
different grazing, group forming and trampling habits. Integrating
landscape history and historical land development into the planning
process is essential.
Abstract: Essential hypertension (HTN) usually clusters with other cardiovascular risk factors such as age, overweight, diabetes, insulin resistance and dyslipidemia. The target organ damage (TOD) such as left ventricular hypertrophy, microalbuminuria (MA), acute coronary syndrome (ACS), stroke and cognitive dysfunction takes place early in course of hypertension. Though the prevalence of hypertension is high in India, the relationship between microalbuminuria and target organ damage in hypertension is not well studied. This study aim at detecting MA in essential hypertension and its relation to severity of HTN, duration of HTN, body mass index (BMI), age and TOD such as HTN retinopathy and acute coronary syndrome The present study was done in 100 patients of essential hypertension non diabetics admitted to B.L.D.E.University-s Sri B.M.Patil Medical College, Bijapur, from October 2008 to April 2011. The patients underwent detailed history and clinical examination. Early morning 5 ml of urine sample was collected & MA was estimated by immunoturbidometry method. The relationship of MA with the duration & severity of HTN, BMI, age, sex and TOD's like hypertensive retinopathy, ACS was assessed by univariate analysis. The prevalence of MA in this study was found to be 63 %. In that 42% were male & 21% were female. In this study a significant association between MA and the duration of hypertension (p = 0.036) & (OR =0.438). Longer the duration of hypertension, more possibility of microalbumin in urine. Also there was a significant association between severity of hypertension and MA (p=0.045) and (OR=0.093). MA was positive in 50 (79.4%) patients out of 63, whose blood pressure was >160/100 mm Hg. In this study a significant association between MA and the grades of hypertensive retinopathy (p =0.011) and acute coronary syndrome (p = 0.041) (OR =2.805). Gender and BMI did not pose high risk for MA in this study.The prevalence of MA in essential hypertension is high in this part of the community and MA will increase the risk of developing target organ damage.Early screening of patients with essential hypertension for MA and aggressive management of positive cases might reduce the burden of chronic kidney diseases and cardiovascular diseases in the community.
Abstract: Excessive ductility demand on shorter piers is a
common problem for irregular bridges subjected to strong ground
motion. Various techniques have been developed to reduce the
likelihood of collapse of bridge due to failure of shorter piers. This
paper presents the new approach to improve the seismic behavior of
such bridges using Nitinol shape memory alloys (SMAs).
Superelastic SMAs have the ability to remain elastic under very large
deformation due to martensitic transformation. This unique property
leads to enhanced performance of controlled bridge compared with
the performance of the reference bridge. To evaluate the effectiveness
of the devices, nonlinear time history analysis is performed on a RC
single column bent highway bridge using a suite of representative
ground motions. The results show that this method is very effective in
limiting the ductility demand of shorter pier.
Abstract: This study on “The relationship between human
resource practices and Firm Performance is a speculative
investigation research. The purpose of this research are (1) to provide
and to understand of HRM history and current HR practices in the
Philippines (2) to examine the extent of HRM practice among its
Philippine firms effectively; (3) to investigate the relationship
between HRM practice and firm performance in the Philippines. The
survey was done to 233 companies in the Philippines. The
questionnaire is divided into three parts a) to gathers information on
the profile of respondent, b) to measures the extent to which human
resource practices are being practiced in their organization c) to
measure the organizations performance as perceived by human
resource managers and top executives as compared with their
competitors in the same industry. As a result an interesting finding
was that almost 50 percent of firm performance is affected by the
extent of implementation of HR practices in the firm. These results
show that HR practices that are in line with the organization’s
strategic goals are important for future performance.
Abstract: The history of technology and banking is examined as
it relates to risk and technological determinism. It is proposed that
the services that banks offer are determined by technology and that
banks must adopt new technologies to be competitive. The adoption
of technologies paradoxically forces the adoption of other new
technologies to protect the bank from the increased risk of
technology. This cycle will lead to bank examiners and regulators to
focus on human behavior, not on the ever changing technology.
Abstract: The study investigated the educational implications
that can be derived from the work of a variety of celebrated figures
such as Piaget, Vygotsky, and Bruner that will be helpful in the field
of language learning. However, the writer believed these views were
previously expressed not full–fledged by Comenius who has been
described by Howatt (1984) as a genius–the one that the history of
language teaching can claim. And we owe to him more than anyone.
Abstract: The complex shape of the human pelvic bone was
successfully imaged and modeled using finite element FE processing.
The bone was subjected to quasi-static and dynamic loading
conditions simulating the effect of both weight gain and impact.
Loads varying between 500 – 2500 N (~50 – 250 Kg of weight) was
used to simulate 3D quasi-static weight gain. Two different 3D
dynamic analyses, body free fall at two different heights (1 and 2 m)
and forced side impact at two different velocities (20 and 40 Km/hr)
were also studied. The computed resulted stresses were compared for
the four loading cases, where Von Misses stresses increases linearly
with the weight gain increase under quasi-static loading. For the
dynamic models, the Von Misses stress history behaviors were
studied for the affected area and effected load with respect to time.
The normalization Von Misses stresses with respect to the applied
load were used for comparing the free fall and the forced impact load
results. It was found that under the forced impact loading condition
an over lapping behavior was noticed, where as for the free fall the
normalized Von Misses stresses behavior was found to nonlinearly
different. This phenomenon was explained through the energy
dissipation concept. This study will help designers in different
specialization in defining the weakest spots for designing different
supporting systems.
Abstract: Confucius was a fifth-century BCE Chinese thinker whose influence upon East Asian intellectual and social history is immeasurable. Better known is in China as “Master Kong”. As a culturally symbolic figure, he has been alternately idealized, deified, dismissed, vilified, and rehabilitated over the millennia by both Asian and non-Asian thinkers and regimes. Given his extraordinary impact on Chinese, Korean, Japanese, and Vietnamese thought, it is ironic that so little can be known about Confucius. The tradition that bears his name – “Confucianizm” (Chinese: Rujia) – ultimately traces itself to the sayings and biographical fragments recorded in the text known as the Analects (Chinese: Lunyu). In the Analects, two types of persons are opposed to one another – not in terms of basic potential, but in terms of developed potential. These are the junzi (literally, “lord’s son” or “gentleman”) and the xiaoren (“small person”). The junzi is the person who always manifests the quality of ren in his
person and the displays the quality of lee in his actions. In this article examines the category of the ideal man and the spiritual and moral values of the philosophy of Confucius. According to Confucius high-morality Jun-zi is characterized by two things: a sense of humanity and duty. This article provides an analysis of the ethical category for the ideal man.
Abstract: The aim of this paper is to introduce a parametric
distribution model in fatigue life reliability analysis dealing with
variation in material properties. Service loads in terms of responsetime
history signal of Belgian pave were replicated on a multi-axial
spindle coupled road simulator and stress-life method was used to
estimate the fatigue life of automotive stub axle. A PSN curve was
obtained by monotonic tension test and two-parameter Weibull
distribution function was used to acquire the mean life of the
component. A Pearson system was developed to evaluate the fatigue
life reliability by considering stress range intercept and slope of the
PSN curve as random variables. Considering normal distribution of
fatigue strength, it is found that the fatigue life of the stub axle to
have the highest reliability between 10000 – 15000 cycles. Taking
into account the variation of material properties associated with the
size effect, machining and manufacturing conditions, the method
described in this study can be effectively applied in determination of
probability of failure of mass-produced parts.