Empirical analysis of the impact of risk on the bank performance in Nigeria. Econometrics Approach
This study is focused on the empirical analysis of risk on Banks performance in Nigeria using time series data for the period of 1990 to 2014. This study employed Dickey Fuller unit root test, Johansen cointegration test and Parsimonious method augmented with error correction model. The emphasis was to test the long run relationship between non-performing loan, Average Liquidity Risk and the Return on Assets. The result of the analysis are in various folds: First, it shows that the variables were trend stationary and exhibited a long run relationships with Return on Assets (bank performance). The specific findings of the study using error correction model is that non-performing loan has made significant negative impact on Return on Assets while Average Liquidity Ratio has not made significant impact on Return on Assets. Second, this finding confirm that non performing loans is the most critical of all risk components. This study has some important policy implication: The banking operators and regulatory bodies should as a matter of urgency tighten up the monetary apparatus to safeguard and stabilize the depositors money and the banking sector in Nigeria. Also, there should be adequate credit administration, measurement, monitoring processes and good control over credit, liquidity and other risk components.
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Energy Consumption Control for Mobile Ad-hoc Networks: A Survey
Energy consumption control in wireless ad-hoc networks is a more difficult problem due to non availability of access point in network. A node can be both a data source and a router that forwards data for other nodes. There is no centralized entity such as an access point to control and maintain the power control mode of each node in the network. There are number of challenges offered by mobile ad- hoc network environment like limited power, route failure, synchronization, security etc. Nodes in the mobile ad-hoc network environment have limited battery power. Extra amount of energy is needed by router to forward and to relay packets. In this paper, literature survey is carried out on energy consumption issues for wireless ad-hoc network.
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Esthetic Rehabilitation in a 13 Year Old Male Patient with Mesiodens: A Case Report
Supernumerary teeth are one that is additional to the normal series and can be found in any region of dental arch. They duplicate the typical anatomy of posterior and anterior teeth, whereas rudimentary supernumerary teeth are dysmorphic and can presume conical forms, tuberculate form, molariform or odontome. They may be single or multiple, unilateral or bilateral, erupted or unerupted, and one or both jaw. The aim of this report is to present a case of a 13 year old boy with a mesiodens associated with maxillary anterior proclination.
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Evaluation of Personal Disposition Level of Technology Adoption
In the current paper, firstly literature is reviewed and various Evaluation of personal disposition level of technology adoption models in different industries are studied and finally, an assessment model selected that it was divided into 7 main classes with 46 indexes. So questionnaires were distributed among 30 experts in Iran Khodro Co. working in technical departments. Then, scores were given to 46 indexes by experts and final score of 46 indexes and 7 main components were evaluated. Considering obtained scores it was specified that the experts of this company has highest capability in habits capability (84.83%) and social influence capability (79%), compared to other components. Also, it has lowest capability in risk taking capability (55.73%) and Psychological resilience capability (64.58%). In addition, innovativeness (78.72%), optimism (76.39%), self efficacy (72.78%), are in average level compared to other components. Finally, some recommendations are made regarding components and indexes with lower score in the organization.
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Evaluation of Weak-Form Efficiency of Tehran Stock Exchange (Using VAR Method)
The efficiency of capital market is one of the most controversial issues in the capital market over the past three decades in financial literature. Today, the capital market in developing countries is considered as a means to increase investment and economic growth and since efficiency is the main and most important characteristic of capital market in each country, it has become one of the most controversial areas of finance and economy research. In this study, performance of Tehran Stock Exchange is examined in the period (Persian date April 2001 to March 2010) on a daily basis, using VAR method. This study is distinct from similar domestic research because the present research examines the efficiency of Tehran Stock Exchange simultaneously with the efficiency of four indices (total, price and dividends, finance and industry) that the results showed that Tehran Stock Exchange does not have efficiency based on four elected indices.
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Exercise among dialysis patients
Physical inactivity is a strong predictor of mortality in patients with end-stage renal disease and is associated with poor physical functioning. Patients with end-stage renal disease are inactive even compared to sedentary individuals without kidney disease. We sought to analyze the level of physical activity in our chronic hemodialysis patients and to identify patient barriers to physical activity. Adult patients on hemodialysis in the Department of Renal Dialysis and Renal Transplantation at the Mohammed V Military Training Hospital in Rabat were recruited and asked to complete the update Baecke physical activity questionnaire in French named AQAP (Physical Activity Self-Questionnaire) A total of 52 patients participated in the study, the mean age of the patients was 50 years ± 16.55 with extremes ranging from 24 to 76 years, sex ratio (H / F) was 1.1. The majority of participants strongly agreed that a sedentary lifestyle was a health risk and that increasing exercise was a benefit. 23% report having no physical activity. 74% of patients report difficulty in performing significant physical exertion. 17 % of patients report having a regular physical activity and sport. However, 49% of participants reported at least one barrier to physical activity. The most commonly reported barriers were fatigue on dialysis days shortness of breath and depression. Exercise provides beneficial effects in end stage renal disease, our study identified a number of barriers to physical activity that can be addressed in studies aimed at increasing levels of physical activity.
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Exponential dual to Ratio and dual to Product-type Estimators for Finite Population Mean in Double Sampling
This paper presents exponential dual to ratio and dual to product-type estimators for estimating finite population mean using auxiliary information in double sampling. The expressions for bias and mean square error of the proposed estimators have been derived for two different cases up to the first order approximation. Comparisons have been made with other estimators viz. simple mean per unit estimator, usual ratio estimator Cochran and product estimator Murthy , dual to ratio estimator Kumar and Bahl and dual to product estimator Singh and Choudhury estimator, exponential ratio and product estimators Singh and Vishwakarma in double sampling. Empirical studies have also been carried out to show the merits of the proposed estimators over the existing estimators. It is concluded that the use of proposed estimators should be preferred in practice.
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Formulation and evaluation of a topical emulsion gel of a non steroidal anti-inflammatory drug
The present study was undertaken to formulate and evaluate a topical emulsion-gel of a non steroidal anti-inflammatory drug, choosing Nimesulide as a model drug. Eight formulations were prepared with different concentrations of carbopol 934p as polymer, varying the concentration of tween 80 and adjusting the pH to 6.5 and 8.0.The concentrations of nimesulide and isopropyl myristate were 1% w/w and 10% w/w, respectively in all the formulations. The prepared formulations were evaluated for various physicochemical parameters. The release studies were carried out by dialysis membrane grade 150 and hairless rabbit skin later compared with marketed product. The formulations were evaluated for anti-inflammatory activity in carrageen an-induced rat paw oedema model. Subjective analysis of formulations in healthy human volunteers for acceptability was carried out. FT-IR spectra confirm that there is no incompatibility between drug and excipients. The formulation with 1% w/w carbopol 934 P, 10% w/w tween 80 and pH 8.0 was found to possess maximum percentage drug diffusion comparable to marketed preparation. Maximum anti-inflammatory activity was market preparation. The formulations were stable for 60 days as no significant change in physicochemical characteristics and drug release properties were observed. The formulation was found to be acceptable among healthy human volunteers and is comparable to marketed formulation. From the present work, it can be concluded that Nimesulide can be formulated into topical emulsion-gel with better drug release properties and improved pharmacological effect.
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Free Convection Flow in a Vertical Channel Filled with Porous Matrix for Variable Properties
The perturbation method and Runge-kutta shooting method has been carried out to study the influence of the effect of exponential viscosity-temperature relation, exponential thermal conductivity-temperature and the combined effects of the variable viscosity and the variable thermal conductivity on steady free convection flow in a vertical channel filled with porous medium. The Darcy-Brinkman model is used to predict the flow in porous medium. The walls are maintained at constant but different temperatures. Numerical results are presented for a wide range of parameters of variable viscosity parameter, variable thermal conductivity parameter, wall temperature ratio, buoyancy parameter and porous parameter on the velocity and temperature fields. Furthermore, the effect of the governing parameters on skin friction and Nusselt number are tabulated. The solutions obtained by Runge-Kutta shooting method are compared with perturbation method solutions and the results agree very well in the absence of buoyancy parameter.
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FT-IR, FT-RAMAN, NMR Spectral analysis and theoretical NBO, HUMO-LUMO analysis of 3,5-dimethylpiperidine by ab initio HF and density functional methods
The Fourier-transform infrared spectrum of 3, 5-dimethylpiperidine (DMP) was recorded in the region 4000-400cm-1. The Fourier-transform Raman spectrum of DMP was also recorded in the region 3500-50 cm-1. Quantum chemical calculations of energies, geometrical structure and vibrational wavenumbers of DMP were carried out ab initio HF and density functional theory (DFT/B3LYP) method with 6-31+G (d,p) basis set. The difference between the observed and scaled wavenumber values of most of the fundamentals is very small. The values of the total dipole moment (µ) and the first-order hyperpolarizability(?) of the investigated compound were computed using ab initio quantum mechanical calculations. The calculated results also show that the DMP might have microscopic nonlinear optical (NLO) behavior with non-zero values. The difference between the observed and scaled wave number values of most of the fundamentals is very small. A detailed interpretation of the FT-IR, FT-Raman, NMR spectra of DMP was also reported. Natural bond orbital analysis has been carried out to explain the charge transfer or delocalization of charge due to the intra-molecular interactions. Energy of the highest occupied molecular (HOMO) orbital and lowest unoccupied (LUMO) molecular orbital have been predicted. Temperature dependence of various thermodynamic properties like heat capacity, enthalpy, Gibb’s free energy, entropy is increase with increase in temperature.
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