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Reinvention of the mortgage market through the creation of a secondary market has been identified as one of the solution to the lack of funds that plague the Nigerian housing sector. There is however a set of institutional barriers that have created risk factors that are responsible for the high interest rates on mortgage loans in economy. This paper identifies some of these barriers as the requirement of Governor’s consent, revocation of right of occupancy, mortgage registration period and foreclosure period and the cost of foreclosure. It further reveals their nature in the present mortgage lending practice and makes recommendation to improve the practice in preparation for any secondary mortgage market operations.

Reliable NGOs are an extended arm to any Governments. The purpose of this paper is to give an overview of the quantum of foreign aid contributed to Indian development and the role played by International non-Governmental development aid agencies and Bi-lateral and Multi-lateral agencies in this area. The paper also explains the role played by Indian non-Governmental organizations in the poverty alleviation programmed among marginal sections of the Indian society. The paper then examines some of the drawbacks in their aid programmed with special reference to Dalit cause and makes some recommendations to address these drawbacks. However some of the conclusions we have drawn in the paper is based on interaction with many groups and years of experience. Therefore please treat this as a first attempt of a beginning of a wider debate in the months to come.

The level of pollution has increased with times by lot of factors like the increase in population, increased vehicle use, industrialisation and urbanisation which results in harmful effects on human being by directly affecting health of population exposed to it. IOT Based system for monitoring and controlling Air Pollution in which monitor the Air Quality at any Industry over a web server using sensors when the air quality goes down across a certain level, means when there are sufficient amount of harmful gases are present in the air like CO2, smoke, alcohol, benzene and NH3. It will show the air quality in PPM on the display screen and as well as on website so that we can handle and monitor it easily. After gathered the information about air quality, this information is send to the Air Pollution Control Officer and the owner of Industry through mail and message in order to take strict action.

The main objective of this paper focused on field exploratory survey of e-waste generation in Bangalore city. Field data were collected through questionnaire-based survey followed up with interviews where the target respondent groups and e-waste categories were predetermined to determine the e-waste flow purchasing pattern, recycling and disposal practices, and to understand the existing measures for e-waste management in Bangalore. There are three main target respondents included in the survey. The three main categories are Households, Offices (business entities and institutions) and Recyclers (Including importers and exporters, manufacturers, collectors, second-hand shops, repair shops, dismantlers, and processors of recyclable materials from used WEEE). A total of eleven major area of Bangalore city were selected. The basis for the selection of the survey location is based on the population density and also the socioeconomic status of the areas. The average weight of EEE was taken as per E-Waste Volume I, Inventory Assessment Manual, UNEPBased on the survey, it was estimated that the total e-waste generation in bulk quantity from software industry of all scales is 250162.8 kg/annum. Total e-waste generation due to repairs of EEE is 32443 Kg per annum. Total e-waste generated from seven EEE items due to households is 12190.09 Kg per annum. Total e-waste generated due to consumers/users in bulk quantities in hotels and institutes is 9447.12 Kg per annum. Total e-waste generated is 121 Kg from users/ consumers of mobile phones in bulk quantity n organizations. Total e-waste generated from users/consumers in bulk quantity from manufacturing industry of all scales is 20420.7. 8 Kg/annum.

In this study, the producing of conical parts through backward extrusion has been numerically investigated. The finite element method has been used in order to extract the deformation behavior of 7075 aluminum alloy under this process for manufacturing of conical parts. The effect of friction on the process load has been investigated. The strain distribution has been studied and it was observed that in this process, the amount of plastic strain applied to the deforming part has reached above 2, which indicates that in this process, suitable mechanical properties can be expected from the manufactured part.

An earthquake measuring 7.6 Richter that rocked Kashmir (India) on October 8, 2005 struck without any warning, wreaking a trail of death and destruction. But the psychological after-effects among the survivors can last longer and are generally overlooked because the immediate focus is on the rescue-and-relief operations. Even as the disaster left people, already reeling under years of unremitting terrorist violence, shaken, it also underscored the lack of disaster management in seismically active, remote mountainous areas. The deaths led to the emotional and psychological trauma among those who survived the tragedy. While the physical and material relief poured in, the psychological help for the survivors struggling to come to terms with the trauma was, however, starkly missing.

An examination of the Development of Language Policy in Kenya demonstrates that Policies made about Language have to such extent been faced with bottlenecks. This is attributed to colonial language policies that have influenced policy decisions in the post colonial era. One watches with awe to note for example that forty years from independence Kenya is still grappling with attempts to institutionalize Kiswahili as National Language as demonstrated in the New Constitution which was promulgated as recent as 2010. This is in sharp contrast with the sister Country Tanzania which embraced the National Language concept much earlier. It is based on this understanding that this paper highlights the milestones of language policy in Kenya. The paper makes specific reference to Kiswahili, English, Mother tongues and foreign languages. The authors critically examine policies made concerning the usage of these Languages and seek to demonstrate that Language Policy in Kenya needs re-thinking.

From the moment governments began making money from levying duty on imported goods, a smuggling trade developed to avoid paying such taxes. To avert the adverse effects of contraband most countries of the world take preventive measures. This research gives an overview of the existing situation of contraband in our country, mainly on the Moyale-Addis Ababa Trade route, due to the poor trade licensing procedures. This research has explored the licensing procedures of traders on smuggled goods and the effectiveness of legal punishments and other techniques to prevent contraband in Moyale to Addis Ababa trade route. Based on relevant domestic regional and federal tax and trade laws of the country, the research tried to critically analyze the practical obstacle to prevent contraband and the rationale behind licensing the traders on smuggled goods from. In conducting the research, the researcher basically followed qualitative approach. In collecting data, the scholar employed the mixture of random and purposive/judgmental sampling technique so as to get the key informants of the study. The study revealed that contraband or illegal trade involving export and import of goods was very common through long borders of the Ethiopian Moyale- Addis Ababa Trade root/ region with neighboring country Kenya. The failure of trade licensing authority to control and supervise and take legal action is the very cause for the expansion of contraband trade.

The automatic identification of the modulation type of a signal at the receiver is a major task of an intelligent receiver, such as software defined radio (SDR), which is used in different communication systems. With no knowledge of the transmitted data, recognition of the modulation type is a difficult task. A communication system, in which receiver is designed based on Machine learning is trained to detect the message using statistical parameters. In this work, machine learning algorithm is developed for identifying 6 different modulated signal types at the receiving end. MATLAB tool is used to generate different modulated signals. Identification of modulation type is done by analyzing different statistical features such as normalized PSD, kurtosis and sum-fft which are calculated using the sampled version of received signal. The algorithm is tested for different frequency and amplitude signals at the receiving end and results are tested for correctness.

The implementation of instructional materials for foreign language teaching forms the basis of language use providing linguistic input and explicit language practice for learners. In this sense, materials development and design is of paramount importance regarding the needs of the learners in order to keep up with innovations together with the requirements formalized by the rapidly changing needs of an information society. Herein, Turkey, as a developing country, is to redefine its national educational objectives and the curriculum to integrate instructional technologies into teaching. Within the scope of this article, the background information (aims, reasons, influences, institutional structuring) underlying the process of materials development and design within the scope of Ministry of National Education (henceforth MONE) in Turkey along with cross-over educational trends, policy directives and responses to technology has been probed into including the years from 1923 to 2015. Additionally, recent changes in Turkish education system have been scrutinized.