Abstract: This paper aims to provide a conceptual framework to examine competitive disadvantage of banks that suffer from poor performance. Banks generate revenues mainly from the interest rate spread on taking deposits and making loans while collecting fees in the process. To maximize firm value, banks seek loan growth and expense control while managing risk associated with loans with respect to non-performing borrowers or narrowing interest spread between assets and liabilities. Competitive disadvantage refers to the failure to access imitable resources and to build managing capabilities to gain sustainable return given appropriate risk management. This paper proposes a four-quadrant framework of organizational typology is subsequently proposed to examine the features of competitive disadvantage in the banking sector. A resource configuration model, which is extracted from CAMEL indicators to examine the underlying features of bank failures.
Abstract: Chest pain is one of the most prevalent complaints
among adults that cause the people to attend to medical centers. The
aim was to determine the prevalence and risk factors of chest pain
among over 30 years old people in Tehran. In this cross-sectional
study, 787 adults took part from Apr 2005 until Apr 2006. The
sampling method was random cluster sampling and there were 25
clusters. In each cluster, interviews were performed with 32 over 30
years old, people lived in those houses. In cases with chest pain, extra
questions asked. The prevalence of CP was 9% (71 cases). Of them
21 cases (6.5%) were in 41-60 year age ranges and the remainders
were over 61 year old. 19 cases (26.8%) mentioned CP in resting
state and all of the cases had exertion onset CP. The CP duration was
10 minutes or less in all of the cases and in most of them (84.5%), the
location of pain mentioned left anterior part of chest, left anterior part
of sternum and or left arm. There was positive history of myocardial
infarction in 12 cases (17%). There was significant relation between
CP and age, sex and between history of myocardial infarction and
marital state of study people. Our results are similar to other studies-
results in most parts, however it is necessary to perform
supplementary tests and follow up studies to differentiate between
cardiac and non-cardiac CP exactly.
Abstract: The case study deals with the semi-quantitative risk
assessment of water resource earmarked for the emergency supply
of population with drinking water. The risk analysis has been based
on previously identified hazards/sensitivities of the elements
of hydrogeological structure and technological equipment of ground
water resource as well as on the assessment of the levels of hazard,
sensitivity and criticality of individual resource elements in the form
of point indexes. The following potential sources of hazard have
been considered: natural disasters caused by atmospheric and
geological changes, technological hazards, and environmental
burdens. The risk analysis has proved that the assessed risks are
acceptable and the water resource may be integrated into a crisis plan
of a given region.
Abstract: The Swine flu outbreak in humans is due to a new
strain of influenza A virus subtype H1N1 that derives in part from
human influenza, avian influenza, and two separated strains of swine
influenza. It can be transmitted from human to human. A
mathematical model for the transmission of Swine flu is developed in
which the human populations are divided into two classes, the risk
and non-risk human classes. Each class is separated into susceptible,
exposed, infectious, quarantine and recovered sub-classes. In this
paper, we formulate the dynamical model of Swine flu transmission
and the repetitive contacts between the people are also considered.
We analyze the behavior for the transmission of this disease. The
Threshold condition of this disease is found and numerical results are
shown to confirm our theoretical predictions.
Abstract: The aged are faced with increasing risk for falls. The
aged have the easily fragile bones than others. When falls have
occurred, it is important to detect this emergency state because such
events often lead to more serious illness or even death. A
implementation of PDA system, for detection of emergency situation,
was developed using 3-axis accelerometer in this paper as follows.
The signals were acquired from the 3-axis accelerometer, and then
transmitted to the PDA through Bluetooth module. This system can
classify the human activity, and also detect the emergency state like
falls. When the fall occurs, the system generates the alarm on the
PDA. If a subject does not respond to the alarm, the system determines
whether the current situation is an emergency state or not, and then
sends some information to the emergency center in the case of urgent
situation. Three different studies were conducted on 12 experimental
subjects, with results indicating a good accuracy. The first study was
performed to detect the posture change of human daily activity. The
second study was performed to detect the correct direction of fall. The
third study was conducted to check the classification of the daily
physical activity. Each test was lasted at least 1 min. in third study.
The output of acceleration signal was compared and evaluated by
changing a various posture after attaching a 3-axis accelerometer
module on the chest. The newly developed system has some important
features such as portability, convenience and low cost. One of the
main advantages of this system is that it is available at home
healthcare environment. Another important feature lies in low cost to
manufacture device. The implemented system can detect the fall
accurately, so will be widely used in emergency situation.
Abstract: The study analyzed the risk and returns of commercial-property in Southwestern Nigeria and selected stocksmarket investment between 2000 and 2009; compared the inflation hedging characteristics and diversification potentials of investing in commercial-property and selected stock- market investment. Primary data were collected on characteristics, rental and capital values of commercial- properties from their property managers through the use of questionnaire. Secondary data on stock prices and dividends on banking, insurance and conglomerates sectors were sourced from the Nigerian Stock Exchange (2000-2009). The result showed that average return on all the selected stock- investments was higher than that of commercial-property. As regards risk, commercial-property indicated lower risk, compared to stocks. Also the stock-investment had better inflation hedging capacity than commercial-properties; combination of both had diversification potentials. The study concluded that stock-market investment offered attractive higher return than commercial-property although with higher risk and there could be diversification benefits in combining commercial-property with stock- investment.
Abstract: The concentrations of As, Hg, Co, Cr and Cd were
tested for each soil sample, and their spatial patterns were analyzed
by the semivariogram approach of geostatistics and geographical
information system technology. Multivariate statistic approaches
(principal component analysis and cluster analysis) were used to
identify heavy metal sources and their spatial pattern. Principal
component analysis coupled with correlation between heavy metals
showed that primary inputs of As, Hg and Cd were due to
anthropogenic while, Co, and Cr were associated with pedogenic
factors. Ordinary kriging was carried out to map the spatial patters of
heavy metals. The high pollution sources evaluated was related with
usage of urban and industrial wastewater. The results of this study
helpful for risk assessment of environmental pollution for decision
making for industrial adjustment and remedy soil pollution.
Abstract: The development of sustainable utilization water resources is crucial. The ecological environment and water resources systems form the foundation of the existence and development of the social economy. The urban ecological support system depends on these resources as well. This research studies the vulnerability, criticality, and risk of climate change on water supply and demand in the main administrative district of the Taijiang Area (Tainan City). Based on the two situations set in this paper and various factors (indexes), this research adopts two kinds of weights (equal and AHP) to conduct the calculation and establish the water supply and demand risk map for the target year 2039. According to the risk analysis result, which is based on equal weight, only one district belongs to a high-grade district (Grade 4). Based on the AHP weight, 16 districts belong to a high-grade or higher-grade district (Grades 4 and 5), and from among them, two districts belong to the highest grade (Grade 5). These results show that the risk level of water supply and demand in cities is higher than that in towns. The government generally gives more attention to the adjustment strategy in the “cities." However, it should also provide proper adjustment strategies for the “towns" to be able to cope with the risks of water supply and demand.
Abstract: Breastfeeding is an important concept in the maternal life of a woman. In this paper, we focus on exclusive breastfeeding. Exclusive breastfeeding is the feeding of a baby on no other milk apart from breast milk. This type of breastfeeding is very important during the first six months because it supports optimal growth and development during infancy and reduces the risk of obliterating diseases and problems. Moreover, in Mauritius, exclusive breastfeeding has decreased the incidence and/or severity of diarrhea, lower respiratory infection and urinary tract infection. In this paper, we give an overview of exclusive breastfeeding in Mauritius and the factors influencing it. We further analyze the local practices of exclusive breastfeeding using the Generalized Poisson regression model and the negative-binomial model since the data are over-dispersed.
Abstract: Brain ArterioVenous Malformation (BAVM) is an abnormal tangle of brain blood vessels where arteries shunt directly into veins with no intervening capillary bed which causes high pressure and hemorrhage risk. The success of treatment by embolization in interventional neuroradiology is highly dependent on the accuracy of the vessels visualization. In this paper the performance of clustering techniques on vessel segmentation from 3- D rotational angiography (3DRA) images is investigated and a new technique of segmentation is proposed. This method consists in: preprocessing step of image enhancement, then K-Means (KM), Fuzzy C-Means (FCM) and Expectation Maximization (EM) clustering are used to separate vessel pixels from background and artery pixels from vein pixels when possible. A post processing step of removing false-alarm components is applied before constructing a three-dimensional volume of the vessels. The proposed method was tested on six datasets along with a medical assessment of an expert. Obtained results showed encouraging segmentations.
Abstract: The last Assessment Report of the Intergovernmental
Panel on Climate Change, stating that the greatest risk in climate
change affects sustainability is now widely known and accepted.
However, it has not provoked substantial reaction and attention in
Hungary, while international and national efforts have also not
achieved expected results so far. Still, there are numerous examples
on different levels (national, regional, local, household) making
considerable progress in limiting their own emissions and making
steps toward mitigation of and adaptation to climate change. The
local level is exceptionally important in sustainability adaptation, as
local communities are often able to adapt more flexibly to changes in
the natural environment.The aim of this paper is to attempt a review
of the national climate policy and the local climate change strategies
in Hungary considering sustainable development.
Abstract: Baltic competitiveness is quite controversial. In a
situation with the rapid structural changes, economy develops in
balance very rarely - in different fields will always be more rapid
changes in another more stagnation.
Analyzing different economic indices developed by international
organizations the situation in three Baltic countries are described
from a different competitiveness positions highlighting strengths and
weaknesses of each country.
Exploring the openness of the economy, it is possible to observe
certain risks included in the reports describing situation of
competitiveness where government policies competing in the tax
system, the rates of labour market policies, investment environment,
etc. This is a very important factor resulting in competitive
advantage.
Baltic countries are still at a weak position from a technological
perspective, and need to borrow the knowledge and technology from
more developed countries.
Abstract: The world-s largest Pre-stressed Concrete Cylinder
Pipe (PCCP) water supply project had a series of pipe failures which
occurred between 1999 and 2001. This has led the Man-Made River
Authority (MMRA), the authority in charge of the implementation
and operation of the project, to setup a rehabilitation plan for the
conveyance system while maintaining the uninterrupted flow of
water to consumers. At the same time, MMRA recognized the need
for a long term management tool that would facilitate repair and
maintenance decisions and enable taking the appropriate preventive
measures through continuous monitoring and estimation of the
remaining life of each pipe. This management tool is known as the
Pipe Risk Management System (PRMS) and now in operation at
MMRA. Both the rehabilitation plan and the PRMS require the
availability of complete and accurate pipe construction and
manufacturing data
This paper describes a systematic approach of data collection,
analysis, evaluation and correction for the construction and
manufacturing data files of phase I pipes which are the platform for
the PRMS database and any other related decision support system.
Abstract: Visually impaired people find it extremely difficult to
acquire basic and vital information necessary for their living.
Therefore, they are at a very high risk of being socially excluded as a
result of poor access to information. In recent years, several attempts
have been made in improving the communication methods for
visually impaired people which involve tactile sensation such as
finger Braille, manual alphabets and the print on palm method and
several other electronic devices. But, there are some problems which
arise in such methods such as lack of privacy and lack of
compatibility to computer environment. This paper describes a low
cost Braille hand glove for blind people using slot sensors and
vibration motors with the help of which they can read and write emails,
text messages and read e-books. This glove allows the person
to type characters based on different Braille combination using six
slot sensors. The vibration in six different positions of the glove
which matches to the Braille code allows them to read characters.
Abstract: Introduction: Obesity is a major health risk issue in
the present day of life for one and all globally. Obesity is one of the
major concerns for public health according to recent increasing trends
in obesity-related diseases such as Type 2 diabetes. ( Kazuya,
1994).and hyperlipidemia, (Sakata,1990) .which are more prevalent
in Japanese adults with body mass index (BMI) values Z25 kg/m2.(
Japanese Ministry of Health and Welfare,1997). The purpose of the
study was to assess the effect of twelve weeks of brisk walking on
blood pressure and body mass index, anthropometric measurements
of obese males. Method: Thirty obese (BMI= above 30) males, aged
18 to 22 years, were selected from King Fahd University of
Petroleum & Minerals, Saudi Arabia. The subject-s height (cm) was
measured using a stadiometer and body mass (kg) was measured with
a electronic weighing machine. BMI was subsequently calculated
(kg/m2). The blood pressure was measured with standardized
sphygmomanometer in mm of Hg. All the measurements were taken
twice before and twice after the experimental period. The pre and
post anthropometric measurements of waist and hip circumference
were measured with the steel tape in cm. The subjects underwent
walking schedule two times in a week for 12 weeks. The 45 minute
sessions of brisk walking were undertaken at an average intensity of
65% to 85% of maximum HR (HRmax; calculated as 220-age).
Results & Discussion: Statistical findings revealed significant
changes from pre test to post test in case of both systolic blood
pressure and diastolic blood pressure in the walking group. Results
also showed significant decrease in their body mass index and
anthropometric measurements i.e. (waist & hip circumference).
Conclusion: It was concluded that twelve weeks brisk walking is
beneficial for lowering of blood pressure, body mass index, and
anthropometric circumference of obese males.
Abstract: In this article, we propose a new surgical device for
circumferentially excision of high anal fistulas in a minimally
invasive manner. The new apparatus works on the basis of axially
rotating and moving a tubular blade along a fistulous tract
straightened using a rigid straight guidewire. As the blade moves
along the tract, its sharp circular cutting edge circumferentially
separates approximately 2.25 mm thickness of tract encircling the
rigid guidewire. We used the new set to excise two anal fistulas in a
62-year-old male patient, an extrasphincteric type and a long tract
with no internal opening. With regard to the results of this test, the
new device can be considered as a sphincter preserving mechanism
for treatment of high anal fistulas. Consequently, a major reduction
in the risk of fecal incontinence, recurrence rate, convalescence
period and patient morbidity may be achieved using the new device
for treatment of fistula-in-ano.
Abstract: Type 2 diabetes mellitus (T2DM) is a complex
metabolic disorder that characterized by the presence of high glucose
in blood that cause from insulin resistance and insufficiency due to
deterioration β-cell Langerhans functions. T2DM is commonly
caused by the combination of inherited genetic variations as well as
our own lifestyle. Metallothionein (MT) is a known cysteine-rich
protein responsible in helping zinc homeostasis which is important in
insulin signaling and secretion as well as protection our body from
reactive oxygen species (ROS). MT scavenged ROS and free
radicals in our body happen to be one of the reasons of T2DM and its
complications. The objective of this study was to investigate the
association of MT1A and MT2A polymorphisms between T2DM and
control subjects among Malay populations. This study involved 150
T2DM and 120 Healthy individuals of Malay ethnic with mixed
genders. The genomic DNA was extracted from buccal cells and
amplified for MT1A and MT2A loci; the 347bp and 238bp banding
patterns were respectively produced by mean of the Polymerase
Chain Reaction (PCR). The PCR products were digested with Mlucl
and Tsp451 restriction enzymes respectively and producing
fragments lengths of (158/189/347bp) and (103/135/238bp)
respectively. The ANOVA test was conducted and it shown that there
was a significant difference between diabetic and control subjects for
age, BMI, WHR, SBP, FPG, HBA1C, LDL, TG, TC and family
history with (P0.05). The genotype
frequency for AA, AG and GG of MT1A polymorphisms was 72.7%,
22.7% and 4.7% in cases and 15%, 55% and 30% in control
respectively. As for MT2A, genotype frequency of GG, GC and CC
was 42.7%, 27.3% and 30% in case and 5%, 40% and 55% for
control respectively. Both polymorphisms show significant difference
between two investigated groups with (P=0.000). The Post hoc test
was conducted and shows a significant difference between the
genotypes within each polymorphism (P=0. 000). The MT1A and
MT2A polymorphisms were believed to be the reliable molecular
markers to distinguish the T2DM subjects from healthy individuals in
Malay populations.
Abstract: The scientific perspective, the practice area of physical education and sports activities improve power capacity in all its forms of expression, being a generator of the research topics. Today theories that strength training athletes and slow down development progress will affect the strength and flexibility are discredited. On the other hand there are sectors and / or samples whose results are sports of the way higher manifestation of power as a result of the composition of the force and velocity, being based in this respect on the systematic and continuous development of both bio-motric capacities said. Training of force for children was and is controversial. Teama de accidentări sau a stopării premature a procesului de creştere a făcut ca în trecut copiii să fie ţinuţi departe de lucrul cu diferite greutăţi.Fear of injury or premature stop the growth process in the past made the children to be kept away from working with different weights. Recent studies have shown that the risk of accidents is relatively small and the strength training can help prevent them. For example, most accidents occur at the level of athletics ligaments and tendons. From this point of view, it can be said that a progressive intervention of force training, optimal design, will help enhancing their process, such as athlete much better prepared to meet training requests and competitions. Preparation of force provides a solid basis for further phases in the highest performance.
Abstract: Shipping comb is mounted on Head Stack Assembly
(HSA) to prevent collision of the heads, maintain the gap between
suspensions and protect HSA tips from unintentional contact
damaged in the manufacturing process. Failure analysis of shipping
comb in hard disk drive production processes is proposed .Field
observations were performed to determine the fatal areas on shipping
comb and their failure fraction. Root cause failure analysis (RCFA) is
applied to specify the failure causes subjected to various loading
conditions. For reliability improvement, failure mode and effects
analysis (FMEA) procedure to evaluate the risk priority is performed.
Consequently, the more suitable information design criterions were
obtained.
Abstract: Mobile banking services present a unique growth
opportunity for mobile operators in emerging markets, and have
already made good progress in bringing financial services to the
previously unbanked populations of many developing countries. The
potential is amazing, but what about the risks? In the complex
process of establishing a mobile banking business model, many kinds
of risks and factors need to be monitored and well-managed. Risk
identification is the first stage of risk management. Correct risk
identification ensures risk management effectiveness. Keeping the
risks low makes it possible to use the full potential of mobile banking
and carry out the planned business strategy. The focus should be on
adoption of consumers which is the main risk factor of mobile
banking services.