Search results for: Cooperative banking
298 Performance Comparison of Cooperative Banks in the EU, USA and Canada
Authors: Matěj Kuc
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This paper compares different types of profitability measures of cooperative banks from two developed regions: the European Union and the United States of America together with Canada. We created balanced dataset of more than 200 cooperative banks covering 2011-2016 period. We made series of tests and run Random Effects estimation on panel data. We found that American and Canadian cooperatives are more profitable in terms of return on assets (ROA) and return on equity (ROE). There is no significant difference in net interest margin (NIM). Our results show that the North American cooperative banks accommodated better to the current market environment.
Keywords: Cooperative banking, panel data, profitability measures, random effects.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 639297 Net Interest Margin of Cooperative Banks in Low Interest Rate Environment
Authors: Karolína Vozková, Matěj Kuc
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This paper deals with the impact of decrease in interest rates on the performance of commercial and cooperative banks in the Eurozone measured by net interest margin. The analysis was performed on balanced dataset of 268 commercial and 726 cooperative banks spanning the 2008-2015 period. We employed Fixed Effects estimation panel method. As expected, we found a negative relationship between market rates and net interest margin. Our results suggest that the impact of negative interest income differs across individual banking business models. More precisely, those cooperative banks were much more hit by the decrease of market interest rates which might be due to their ownership structure and more restrictive business regulation.
Keywords: Cooperative banks, performance, negative interest rates, risk management.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1023296 Cooperative Movements in Malaysia: The Issue of Governance
Authors: Intan Waheedah Othman, Maslinawati Mohamad, Azizah Abdullah
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Cooperative organizations in Malaysia are going through a phase of rapid growth. They are seen by the government as another crucial vehicle to drive and boost up the country-s economical development and growth. Hence, the issue of cooperative governance is of great importance. Unlike literatures on corporate governance for public listed companies-, literatures on governance for social enterprises, in particular the cooperative organizations are still at the early stage in Malaysia and very scant in number. This paper will look into current practices as well as issues and challenges related to cooperative governance. The need for a better solution towards forming best practices of cooperative governance framework appears imperative in deterring cases of mismanagement and fraud.Keywords: Cooperative, Governance, Issues, Malaysia.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 4963295 An Improved Transmission Scheme in Cooperative Communication System
Authors: Seung-Jun Yu, Young-Min Ko, Hyoung-Kyu Song
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Recently developed cooperative diversity scheme enables a terminal to get transmit diversity through the support of other terminals. However, most of the introduced cooperative schemes have a common fault of decreased transmission rate because the destination should receive the decodable compositions of symbols from the source and the relay. In order to achieve high data rate, we propose a cooperative scheme that employs hierarchical modulation. This scheme is free from the rate loss and allows seamless cooperative communication.Keywords: Cooperative communication, hierarchical modulation, high data rate, transmission scheme.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1878294 A GA-Based Role Assignment Approach for Web-based Cooperative Learning Environments
Authors: Yi-Chun Chang, Jian-Wei Li
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Web-based cooperative learning focuses on (1) the interaction and the collaboration of community members, and (2) the sharing and the distribution of knowledge and expertise by network technology to enhance learning performance. Numerous research literatures related to web-based cooperative learning have demonstrated that cooperative scripts have a positive impact to specify, sequence, and assign cooperative learning activities. Besides, literatures have indicated that role-play in web-based cooperative learning environments enhances two or more students to work together toward the completion of a common goal. Since students generally do not know each other and they lack the face-to-face contact that is necessary for the negotiation of assigning group roles in web-based cooperative learning environments, this paper intends to further extend the application of genetic algorithm (GA) and propose a GA-based algorithm to tackle the problem of role assignment in web-based cooperative learning environments, which not only saves communication costs but also reduces conflict between group members in negotiating role assignments.
Keywords: genetic algorithm (GA), role assignment, role-play; web-based cooperative learning.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1443293 Capacity Optimization in Cooperative Cognitive Radio Networks
Authors: Mahdi Pirmoradian, Olayinka Adigun, Christos Politis
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Cooperative spectrum sensing is a crucial challenge in cognitive radio networks. Cooperative sensing can increase the reliability of spectrum hole detection, optimize sensing time and reduce delay in cooperative networks. In this paper, an efficient central capacity optimization algorithm is proposed to minimize cooperative sensing time in a homogenous sensor network using OR decision rule subject to the detection and false alarm probabilities constraints. The evaluation results reveal significant improvement in the sensing time and normalized capacity of the cognitive sensors.Keywords: Cooperative networks, normalized capacity, sensing time.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1867292 Cost Efficiency of European Cooperative Banks
Authors: Karolína Vozková, Matěj Kuc
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This paper analyzes recent trends in cost efficiency of European cooperative banks using efficient frontier analysis. Our methodology is based on stochastic frontier analysis which is run on a set of 649 European cooperative banks using data between 2006 and 2015. Our results show that average inefficiency of European cooperative banks is increasing since 2008, smaller cooperative banks are significantly more efficient than the bigger ones over the whole time period and that share of net fee and commission income to total income surprisingly seems to have no impact on bank cost efficiency.
Keywords: Cooperative banks, cost efficiency, efficient frontier analysis, stochastic frontier analysis, net fee and commission income.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 846291 A Cooperative Space-Time Transmission Scheme Based On Symbol Combinations
Authors: Keunhong Chae, Seokho Yoon
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This paper proposes a cooperative Alamouti space time transmission scheme with low relay complexity for the cooperative communication systems. In the proposed scheme, the source node combines the data symbols to construct the Alamouti-coded form at the destination node, while the conventional scheme performs the corresponding operations at the relay nodes. In simulation results, it is shown that the proposed scheme achieves the second order cooperative diversity while maintaining the same bit error rate (BER) performance as that of the conventional scheme.
Keywords: Space-time transmission, cooperative communication system, MIMO.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1799290 Cooperative CDD Scheme Based on Hierarchical Modulation in OFDM System
Authors: Seung-Jun Yu, Yeong-Seop Ahn, Young-Min Ko, Hyoung-Kyu Song
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In order to achieve high data rate and increase the spectral efficiency, multiple input multiple output (MIMO) system has been proposed. However, multiple antennas are limited by size and cost. Therefore, recently developed cooperative diversity scheme, which profits the transmit diversity only with the existing hardware by constituting a virtual antenna array, can be a solution. However, most of the introduced cooperative techniques have a common fault of decreased transmission rate because the destination should receive the decodable compositions of symbols from the source and the relay. In this paper, we propose a cooperative cyclic delay diversity (CDD) scheme that use hierarchical modulation. This scheme is free from the rate loss and allows seamless cooperative communication.Keywords: MIMO, Cooperative communication, CDD, Hierarchical modulation.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 2187289 Net Fee and Commission Income Determinants of European Cooperative Banks
Authors: Karolína Vozková, Matěj Kuc
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Net fee and commission income is one of the key elements of a bank’s core income. In the current low-interest rate environment, this type of income is gaining importance relative to net interest income. This paper analyses the effects of bank and country specific determinants of net fee and commission income on a set of cooperative banks from European countries in the 2007-2014 period. In order to do that, dynamic panel data methods (system Generalized Methods of Moments) were employed. Subsequently, alternative panel data methods were run as robustness checks of the analysis. Strong positive impact of bank concentration on the share of net fee and commission income was found, which proves that cooperative banks tend to display a higher share of fee income in less competitive markets. This is probably connected with the fact that they stick with their traditional deposit-taking and loan-providing model and fees on these services are driven down by the competitors. Moreover, compared to commercial banks, cooperatives do not expand heavily into non-traditional fee bearing services under competition and their overall fee income share is therefore decreasing with the increased competitiveness of the sector.
Keywords: Cooperative banking, dynamic panel data models, net fee, commission income, system GMM.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 2915288 Accountability Issues and Challenges: The Scenario for Malaysian Cooperative Movement
Authors: Maslinawati Mohamad, Intan Waheedah Othman, Arun Mohamed
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This paper discusses the issues and challenges concerning the issues of accountability and regulation systems of cooperative movement in Malaysia.Keywords: Cooperative movement, compliance, transparency, issues.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 6162287 A Novel Transmission Scheme for Reliable Cooperative Communication
Authors: Won-Jun Choi, Seung-Jun Yu, Jung-In Baik, Hyoung-Kyu Song
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Cooperative communication scheme can be substituted for multiple-input multiple-output (MIMO) technique when it may not be able to support multiple antennas due to size, cost or hardware limitations. In other words, cooperative communication scheme is an efficient method to achieve spatial diversity without multiple antennas. For satisfaction of rising QoS, we propose a reliable cooperative communication scheme with M-QAM based Dual Carrier Modulation (M-DCM), which can increase diversity gain. Although our proposed scheme is very simple method, it gives us frequency and spatial diversity. Simulation result shows our proposed scheme obtains diversity gain more than the conventional cooperative communication scheme.Keywords: cooperation, diversity, M-DCM, OFDM.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1625286 Analysis of Cooperative Learning Behavior Based on the Data of Students' Movement
Authors: Wang Lin, Li Zhiqiang
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The purpose of this paper is to analyze the cooperative learning behavior pattern based on the data of students' movement. The study firstly reviewed the cooperative learning theory and its research status, and briefly introduced the k-means clustering algorithm. Then, it used clustering algorithm and mathematical statistics theory to analyze the activity rhythm of individual student and groups in different functional areas, according to the movement data provided by 10 first-year graduate students. It also focused on the analysis of students' behavior in the learning area and explored the law of cooperative learning behavior. The research result showed that the cooperative learning behavior analysis method based on movement data proposed in this paper is feasible. From the results of data analysis, the characteristics of behavior of students and their cooperative learning behavior patterns could be found.Keywords: Behavior pattern, cooperative learning, data analyze, K-means clustering algorithm.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 800285 Reputation and Transparency of Cooperative Movement in Malaysia
Authors: Maslinawati Mohamad, Intan Waheedah Othman
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This paper studies the reputation and transparency of cooperative movement in Malaysia.
Keywords: Cooperative movement, reputation, transparency, web presence.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 2929284 Analytical Study of Applying the Account Aggregation Approach in E-Banking Services
Authors: A. Al Drees, A. Alahmari, R. Almuwayshir
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The advanced information technology is becoming an important factor in the development of financial services industry, especially the banking industry. It has introduced new ways of delivering banking to the customer, such as Internet Banking. Banks began to look at electronic banking (e-banking) as a means to replace some of their traditional branch functions using the Internet as a new distribution channel. Some consumers have at least more than one account, and across banks, and access these accounts using e-banking services. To look at the current net worth position, customers have to login to each of their accounts and get the details and work on consolidation. This not only takes ample time but it is a repetitive activity at a specified frequency. To address this point, an account aggregation concept is added as a solution. E-banking account aggregation, as one of the e-banking types, appeared to build a stronger relationship with customers. Account Aggregation Service generally refers to a service that allows customers to manage their bank accounts maintained in different institutions through a common Internet banking operating a platform, with a high concern to security and privacy. This paper presents an overview of an e-banking account aggregation approach as a new service in the e-banking field.
Keywords: E-banking, security, account aggregation, enterprise application development.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1528283 Cooperative Scheme Using Adjacent Base Stations in Wireless Communication
Authors: Young-Min Ko, Seung-Jun Yu, Chang-Bin Ha, Hyoung-Kyu Song
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In a wireless communication system, the failure of base station can result in a communication disruption in the cell. This paper proposes a way to deal with the failure of base station in a wireless communication system based on OFDM. Cooperative communication of the adjacent base stations can be a solution of the problem. High performance is obtained by the configuration of transmission signals which is applied CDD scheme in the cooperative communication. The Cooperative scheme can be a e ective solution in case of the particular situation.Keywords: Base station, CDD, OFDM, Diversity gain, MIMO.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1889282 Cooperative Data Caching in WSN
Authors: Narottam Chand
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Wireless sensor networks (WSNs) have gained tremendous attention in recent years due to their numerous applications. Due to the limited energy resource, energy efficient operation of sensor nodes is a key issue in wireless sensor networks. Cooperative caching which ensures sharing of data among various nodes reduces the number of communications over the wireless channels and thus enhances the overall lifetime of a wireless sensor network. In this paper, we propose a cooperative caching scheme called ZCS (Zone Cooperation at Sensors) for wireless sensor networks. In ZCS scheme, one-hop neighbors of a sensor node form a cooperative cache zone and share the cached data with each other. Simulation experiments show that the ZCS caching scheme achieves significant improvements in byte hit ratio and average query latency in comparison with other caching strategies.Keywords: Admission control, cache replacement, cooperative caching, WSN, zone cooperation
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 2741281 The Cooperative Learning Management in the Course of Principles of Mathematics for Graduate Level
Authors: Komon Paisal
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The aim of this research was to create collaborative learning activities in the course of Principles of Mathematics for graduate level by investigating the students’ ability in proving the mathematics principles as well as their attitudes towards the activities. The samples composed of 2 main group; lecturers and students. The lecturers consisted of 3 teachers who taught the course of Principles of Mathematics at Rajabhat Suan Sunandha Unicersity in the academic year 2012. The students consisted of 32 students joining the cooperative learning activities in the subject of Principles of Mathematics in the academic year 2012. The research tools included activity plan for cooperative learning, testing on mathematics with the reliability of 0.8067 and the attitude questionnaires reported by the students. The results showed that: 1) the efficiency of the developed cooperative learning activities was 69.76/ 68.57 which was lower than the set criteria at 70/70. 2) The students joining the cooperative learning activities were able to prove the principles of mathematics at the average of 70%. 3) The students joining the cooperative learning activities reported moderate attitude towards the activities.
Keywords: Instructional Design, Pedagogical, Teaching/ Learning Strategies.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1672280 Analysis of Cooperative Hybrid ARQ with Adaptive Modulation and Coding on a Correlated Fading Channel Environment
Authors: Ibrahim Ozkan
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In this study, a cross-layer design which combines adaptive modulation and coding (AMC) and hybrid automatic repeat request (HARQ) techniques for a cooperative wireless network is investigated analytically. Previous analyses of such systems in the literature are confined to the case where the fading channel is independent at each retransmission, which can be unrealistic unless the channel is varying very fast. On the other hand, temporal channel correlation can have a significant impact on the performance of HARQ systems. In this study, utilizing a Markov channel model which accounts for the temporal correlation, the performance of non-cooperative and cooperative networks are investigated in terms of packet loss rate and throughput metrics for Chase combining HARQ strategy.Keywords: Cooperative network, adaptive modulation and coding, hybrid ARQ, correlated fading.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 577279 Cooperative CDD Scheme Based On Adaptive Modulation in Wireless Communication System
Authors: Seung-Jun Yu, Hwan-Jun Choi, Hyoung-Kyu Song
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Among spatial diversity scheme, orthogonal space-time block code (OSTBC) and cyclic delay diversity (CDD) have been widely studied for the cooperative wireless relaying system. However, conventional OSTBC and CDD cannot cope with change in the number of relays owing to low throughput or error performance. In this paper, we propose a cooperative cyclic delay diversity (CDD) scheme that use hierarchical modulation at the source and adaptive modulation based on cyclic redundancy check (CRC) code at the relays.
Keywords: Adaptive modulation, Cooperative communication, CDD, OSTBC.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1741278 Color Image Segmentation Using Competitive and Cooperative Learning Approach
Authors: Yinggan Tang, Xinping Guan
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Color image segmentation can be considered as a cluster procedure in feature space. k-means and its adaptive version, i.e. competitive learning approach are powerful tools for data clustering. But k-means and competitive learning suffer from several drawbacks such as dead-unit problem and need to pre-specify number of cluster. In this paper, we will explore to use competitive and cooperative learning approach to perform color image segmentation. In competitive and cooperative learning approach, seed points not only compete each other, but also the winner will dynamically select several nearest competitors to form a cooperative team to adapt to the input together, finally it can automatically select the correct number of cluster and avoid the dead-units problem. Experimental results show that CCL can obtain better segmentation result.Keywords: Color image segmentation, competitive learning, cluster, k-means algorithm, competitive and cooperative learning.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1602277 Performance Analysis of Multiuser Diversity in Multiuser Two-Hop Decode-and-Forward Cooperative Multi-Relay Wireless Networks
Authors: Mamoun F. Al-Mistarihi, Rami Mohaisen
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Cooperative diversity (CD) has been adopted in many communication systems because it helps in improving performance of the wireless communication systems with the help of the relays that emulate the multiple antenna terminals. This work aims to provide the derivation of the performance analysis expressions of the multiuser diversity (MUD) in the two-hop cooperative multi-relay wireless networks (TCMRNs). Considering the work analysis, we provide analytically the derivation of a closed form expression of the two most commonly used performance metrics namely, the outage probability and the symbol error probability (SEP) for the fixed decode-and-forward (FDF) protocol with MUD.
Keywords: Cooperative diversity (CD), fixed decode-andforward(FDF), multiuser diversity (MUD) , two - hop cooperative multi-relay wireless networks (TCMRN).
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1527276 Customer Adoption and Attitudes in Mobile Banking in Sri Lanka
Authors: Prasansha Kumari
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This paper intends to identify and analyze customer adoption and attitudes towards mobile banking facilities. The study uses six perceived characteristics of innovation that can be used to form a favorable or unfavorable attitude toward an innovation, namely: Relative advantage, compatibility, complexity, trailability, risk, and observability. Collected data were analyzed using Pearson Chi-Square test. The results showed that mobile bank users were predominantly males. There is a growing trend among young, educated customers towards converting to mobile banking in Sri Lanka. The research outcomes suggested that all the six factors are statistically highly significant in influencing mobile banking adoption and attitude formation towards mobile banking in Sri Lanka. The major reasons for adopting mobile banking services are the accessibility and availability of services regardless of time and place. Over the 75 percent of the respondents mentioned that savings in time and effort and low financial costs of conducting mobile banking were advantageous. Issue of security was found to be the most important factor that motivated consumer adoption and attitude formation towards mobile banking. Main barriers to mobile banking were the lack of technological skills, the traditional cash‐carry banking culture, and the lack of awareness and insufficient guidance to using mobile banking.Keywords: Compatibility, complexity, mobile banking, risk.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 2661275 A Decade of Creating an Alternative Banking System in Tanzania: The Current State of Affairs of Islamic Banks
Authors: Pradeep Kulshrestha, Maulana Ayoub Ali
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The concept of financial inclusion has been tabled in the whole world where practitioners, academicians, policy makers and economists are working hard to look for the best possible opportunities in order to enable the whole society to be in the banking cycle. The Islamic banking system is considered to be one of the said opportunities. Countries like the United Kingdom, United States of America, Malaysia, Saudi Arabia, the whole of the United Arab Emirates and many African countries have accommodated the aspect of Islamic banking in the conventional banking system as one of the financial inclusion strategies. This paper tries to analyse the current state of affairs of the Islamic Banking system in Tanzania in order to understand the improvement of the provision of Islamic banking products and services in the said country. The paper discusses the historical background of the banking system in Tanzania, the level of penetration of banking products and services and the coming of the Islamic banking system in the country. Furthermore, the paper discusses banking regulatory bodies, legal instruments governing banking operations as well as number of legal challenges facing Islamic banking operations in the country. Following a critical literature review, the paper discovered that there is no legal instrument which talks about the introduction and provision of Islamic banking system in Tanzania. Furthermore, the Islamic banking system was considered as a banking product which is absolutely incorrect because Islamic banking is considered to be as a banking system of its own. In addition to that, it has been discovered that lack of a proper regulatory system and legal instruments to harmonize the conventional and Islamic banking systems has resulted in the closure of one Islamic window in the country, which in the end affects the credibility of the newly introduced banking system. In its conclusive remarks, the paper suggests that Tanzania should work on all legal challenges affecting the smooth operations of the Islamic banking system. This can be in a way of adopting various Islamic banking legal models which are used in countries like Malaysia and others, or a borrowing legal harmonization process which has been adopted by the UK, Uganda, Nigeria and Kenya.
Keywords: Islamic banking, Islamic Windows, regulations, banks.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 892274 Correlation of the Rate of Imperfect Competition and Profit in Banking Markets
Authors: Jan Cernohorsky
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This article aims to assess the evolution of imperfect competition in selected banking markets, in particular in the banking markets of Slovakia, Poland, Hungary, Slovenia and Croatia. Another objective is to assess the evolution of the relationship of imperfect competition and profit development in the banking markets. The article first provides an overview of literature on the topic. It then measures the degree of imperfect competition in individual markets using the Herfindahl-Hirschman Index. The commonly used indicator of total assets was chosen as an indicator. Based on this measurement, the individual banking sectors are categorized into theoretical definitions of the various types of imperfect competition - namely all surveyed banking sectors falling within the theoretical definition of monopolistic competition. Subsequently, using correlation analysis, i.e., the Pearson correlation coefficient, or the Spearman correlation coefficient, the connection between the evolution of imperfect competition and the development of the gross profit on selected banking markets was surveyed. It was found that with the exception of the banking market in Slovenia, where there is a positive correlation; there is no correlation between the evolution of imperfect competition and profit development in the selected markets. This means a recommendation for the regulators that it is not appropriate to rationalize a higher degree of regulation in granting banking licenses on the size of the profits attained in the banking market, as the relationship between the degree of concentration in the banking market and the amount of profit according to our measurements does not exist.Keywords: Banking system, imperfect competition, profitability.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1663273 An Improved Cooperative Communication Scheme for IoT System
Authors: Eui-Hak Lee, Jae-Hyun Ro, Hyoung-Kyu Song
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In internet of things (IoT) system, the communication scheme with reliability and low power is required to connect a terminal. Cooperative communication can achieve reliability and lower power than multiple-input multiple-output (MIMO) system. Cooperative communication increases the reliability with low power, but decreases a throughput. It has a weak point that the communication throughput is decreased. In this paper, a novel scheme is proposed to increase the communication throughput. The novel scheme is a transmission structure that increases transmission rate. A decoding scheme according to the novel transmission structure is proposed. Simulation results show that the proposed scheme increases the throughput without bit error rate (BER) performance degradation.Keywords: Cooperative communication, IoT, STBC, Transmission rate.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 2246272 Technology Enhanced Learning: Fostering Cooperative Learning Through the Integration of Online Communication as Part of Teaching and Learning Experience
Authors: R.Ramli
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This paper discusses ways to foster cooperative learning through the integration of online communication technology. While the education experts believe constructivism produces a more positive learning experience, the educators are still facing problems in getting students to participate due to numerous reasons such as shy personality, language and cultural barriers. This paper will look into the factors that lead to lack of participations among students and how technology can be implemented to overcome these issues.
Keywords: cooperative learning, encouraging class participation, education, online discussion
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1507271 Image Transmission: A Case Study on Combined Scheme of LDPC-STBC in Asynchronous Cooperative MIMO Systems
Authors: Shan Ding, Lijia Zhang, Hongming Xu
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this paper presents a novel scheme which is capable of reducing the error rate and improves the transmission performance in the asynchronous cooperative MIMO systems. A case study of image transmission is applied to prove the efficient of scheme. The linear dispersion structure is employed to accommodate the cooperative wireless communication network in the dynamic topology of structure, as well as to achieve higher throughput than conventional space–time codes based on orthogonal designs. The LDPC encoder without girth-4 and the STBC encoder with guard intervals are respectively introduced. The experiment results show that the combined coder of LDPC-STBC with guard intervals can be the good error correcting coders and BER performance in the asynchronous cooperative communication. In the case study of image transmission, the results show that in the transmission process, the image quality which is obtained by applied combined scheme is much better than it which is not applied the scheme in the asynchronous cooperative MIMO systems.
Keywords: Cooperative MIMO, image transmission, lineardispersion codes, Low-Density Parity-Check (LDPC)
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1922270 Co-Creation of Non-Economic Values in Islamic Banking: A New Frontier in Service Science
Authors: Amna Javed, Katsuhiro Umemoto, Youji Kohda
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The purpose of this paper is to examine co-creation of non-economic values in Islamic banking services and their significance for service science by comparing Islamic and conventional banking services. Although many scholars have discussed co-creation of values in services, most of them have focused on only economic values.
Following Sharia (Islamic principles that are based on Qur’an and Sunnah) traditions, Islamic banking is more concerned with such non-economic values as well-being, partnership, fairness, trust, and justice, than such economic values as money in terms of interest. Therefore, it may be more sustainable and suitable for today’s unpredictable socio-economic environments.
We also argue that Islamic banking is essentially a value co-creation business model that fits better with the so-called Service-Dominant Logic (SDL) than conventional banking. This paper explores a new frontier of value co-creation in services, thereby contributing to further development of service science.
Keywords: Value co-creation, Islamic banking, Non-economic values, Service science.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 2309269 Banking Crisis and Economic Effects of the Banking Crisis in Turkey
Authors: Sevilay Konya, Sadife Güngör, Zeynep Karaçor
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Turkish economy is occurred depending on different factors from time to time and the banking crises of different magnitudes. Foremost among the factors which hinder the development of countries and societies- crises in the country's economy. Countries' economic growth rates affect inflation, unemployment and external trade. In this study, effect of November 2000, February 2001 and 2008 banking crisis on Turkey's economy and banking crisis will be examined and announced as conceptual. In this context, this study is investigates Turkey's GDP, inflation, unemployment and foreign trade figures. Turkey's economy affected have been identified from 2000 November 2001 February and 2008 banking crisis.
Keywords: Banking crises, Turkey’s economy, economic effects, Turkey.
Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 1273