Archives-December 

This study examines the causal relationship of selected bank financial ratios on lending to small and medium Enterprise (SMEs) in Nigeria. The data used for this study were gathered from Central Bank of Nigeria (CBN) statistical Bulletin for a period of 27 years (1983 – 2010). Granger causality and OLS were applied to a set of differenced bank financial ratios and it was found that a critical gap in bank intermediation still exists in the lending to SME sector in Nigeria. A positive relationship exists between ratio of Rural Loan to Deposit (RRLD) and aggregate liquidity ratio (LR) while the causal relationship flows from cash reserve ratio to liquidity ratio. The result suggests that the excess liquidity in the banking system between 1983 – 2010 did not improve the flow of credit to SMEs in Nigeria. Consequently, the banks have failed in their social role of financing the SMEs by restricting the spread of fiat money contrary to the expectations of the Keynes – Schumpeter model. There is also no evidence to show that the banks are dealing significantly with the problem of information asymmetries through improved relationship lending to the SMEs in Nigeria. Monetary Policy should therefore target critically bank variables (LR, CRR and LDR) while ensuring compliance with prudential standards and balancing aggregate portfolios between large and small businesses. Restoring the mandatory credit allocation regime could also help in improving SMEs lending.

This paper examines the contribution of contemporary innovation practices in management to organizational success, nowadays management practice innovation is at the top of the strategic agenda of corporations. In fact, the current catch phrases of ‘creative response' and 'innovation’ can be traced back to the entrepreneurship school and the cultural school since they are the nature of innovation, the inherent logic of innovation. Innovation is crucial both to the survival and growth of businesses and to their Competitive positions although businesses can be as innovative as their rivals and play a "dynamic complementary" Organizational creation is fundamental to the process of innovation, it constitutes part of the system that produces it. The ability of an organization to innovate is a pre-condition for the successful utilization of inventive resources and new technologies. Conversely, the introduction of new technology often presents complex opportunities and challenges for organizations, leading to changes in managerial practices and the emergence of new organizational forms. Organizational and technological innovations are intertwined, organizational changes, alongside new products and processes, as well as new markets.

This study was performed to examine the effect of nitrogen commercial bio fertilizer on yield and yield components of two cultivars of rapeseed bio as factorial experiment in Firoozabad city, Fars Provience, Iran. Firs factor included cultivars (Julius and Jerry) and secod factor was fertilizer (control, Bio-farm nitrogen, Nittrokara bio-fertilizer and Nitroxin bio-fertilizer). Measured traits included the number of pods per plant, seeds per pod, seed weight, seed yield, biological yield and harvest index. According to the results, it was founded that there is a significant difference between two varieties, Julius cultivar showed highest seed yield (923 gr/m2) and 827 gr/m2 was obtained by Jerry. In relation to fertilizer treatments, it was founded that Nitroxin had higest effect on studied characteristic and this treatment showed 1044 gr/m2 seed yield, hence, the using of this fertilizer is recommended to weather conditions of firouzabad city.

The aim of this study is to show the relationship between foreign investment and economic growth. Framework is used to show impact over the period of 1986 to 2013 .The result of these tables show that there is positive relationship between foreign investment and economic growth. We also examines that there is lack of sources in Pakistan .We have used secondary data for this study .This study will reveal that foreign investment is playing important role to fulfils requirement of sources .On the other hand, foreign investment has important role for the development of Pakistan economy. Most importantly, the Pakistan has chosen investor friendly policy. Foreign investment has two types 1) mixture of green field investment and 2)privatization proceeds .We propose a mechanism that foreign investment determine the political risk. Foreign investment also play important role to maintain a BOP of host country .In this study also show that which policies is important for the development of country 1) reduce political risk 2) foreign investment .This study also shows that Sri Lanka has rate of foreign investment is low then other Asian countries .Market access and modern technology is a main components of foreign investment .However, productivity can be improve by foreign investment (1997) the ratio of foreign investment in Pakistan is 0.2%.The main reason of poor performance in Pakistan is that basically Pakistan is a agriculture country and we have poor industries skills .For the development of country there is need to investment 35% to 40% in a year .In this study also shows that terries has negative effect on foreign investment of Pakistan .State bank of Pakistan regulates foreign investment inside and outside the Pakistan. Economy of every country depends upon circle of a foreign investment .For a strong country there is need of a strong economy .In this study we also examine that foreign investment growth rate is increasing then international trade. For the development of economic growth there is needed to invest 35 to 40% in GDP. Foreign investment has different shapes like.1) foreign loans 2) foreign direct investment3) portfolio. In the last year the exports of Pakistan is 12.9billion and import was 18.7billion. Japan has a vast export market for Pakistan. Economic development can be increase with foreign trade e .g raw cotton clothes and wheat is the main products of Pakistan.

The main objective of this study is to analyze the impacts of organizational changes towards employees’ performance in the banking sector in Malaysia. The factors that will be discussed in this study include communication, leadership, procedural justice, employees’ development and tolerance to change. The location that been selected are Penang and Perak. A sample size of 450 respondents in the questionnaire had been conducted. The questionnaire was design and distributed through randomly sample to employees. The Statistical Package for Social Science (SPSS) software had been used in order to run the reliability analysis, frequency analysis, explaining the correlation coefficient analysis and test of hypothesized relationships among the dependent variable and the independent variables. As a result, it had been found that communication, procedural justice, employees’ development and tolerance to change has positive significant relationship with employees’ performance. On the other hand, leadership has the negative significant relationship with employees’ performance.

The present study attempted to explore empirical evidence to see if there is an association between test anxiety, multiple intelligence (MI) and EFL learners’ writing test performance. To this end, a Multiple Intelligence Checklist, a Test Anxiety Scale, and one IELTS writing task were given to 40 upper intermediate participants from three classes of two language institutes. The results revealed that test anxiety and learners’ writing performance had a negative but not statistically strong correlation. Further, there was a significant correlation (sig= 0.039 < 0.05) between linguistic intelligence and writing test performance. Accordingly, language teachers should regard test fairness by helping learners who have low linguistic intelligence.

In this work we have proposed a new application on mobile to cater the well being of heart and we designing a new mobile which is incorporating with stethoscope. We call it as “Mobile Steth” with automatic application for suggesting the food and heart related problems. Mobile steth will record the user datum; with this datum critical label will be checked. If the subject (patient) reaches the critical label, mobile steth will initiates an alarm to their family members and if the subject needs it will fix appointment in the nearest hospital.

With the advent of OFDM for WLAN communications, as exemplified by IEEE 802.11a, it has become imperative to have efficient and reliable synchronization algorithms for OFDM WLAN receivers. The main challenges with synchronization deal with the delay spread and frequency offset introduced by the wireless channel. In this paper, research is done into OFDM WLAN synchronization algorithms, and a synchronizer implementation is presented. This synchronizer performs packet detection; frequency offset estimation, and time synchronization.

Buccal mucosa has been used in both primary and salvage urethroplasties, as dorsal onlay. Ventral onlay, and as tubed grafts in posterior and anterior urethral strictures. It’s recommended as ideal graft material which offers many advantages: availability, easy and less infectious complications. Repeat urethroplasties were performed by excising the fibrous tissue around the stricture; buccal mucosa was then harvested from the inner cheek, made into graft tubing, and interposed into the defect. We report the results of our surgical experience with staged reoperation using BM, in the repair of post-traumatic membranous urethra stricture with loss of substance estimated to 5cm a patient of 22 years with complications after multiple failed repairs.

The knowledge of the structure of the boundary layer gives an idea to understand the capabilities of the atmosphere to dispose of pollutants. Finite difference technique with non-uniform grid is used to investigate the effect of various flow parameters on skin friction , heat transfer and other characteristics of two phase thermal boundary layer flow on a flat plate. Heat is diffused away from the heated surface for smaller values of Prandtl number Pr more rapidly than that of higher values of Pr. The particle density on the plate goes on increasing and attains a finite value of 3.5 at a far down stream station. The presence of coarser particles with high material density have an effect of increase in magnitude of particle velocity and particle phase density whereas to reduce the particle temperature. The increase in Prandtl number Pr is to increase the magnitude of carrier fluid velocity, particle velocity, particle phase density, coefficient of skin friction and Nusselt number where as to decrease the displacement thickness.