Search results for: Khalid Iqbal
Commenced in January 2007
Frequency: Monthly
Edition: International
Paper Count: 175

Search results for: Khalid Iqbal

145 Direct Simulation Monte Carlo (DSMC) Algorithm – A Comparison of Mathematica Code with FLUENT 6.2 for Low Knudsen Number

Authors: Nabeel A. Qazi, Absaar ul Jabbar, Khalid Parvez

Abstract:

A code has been developed in Mathematica using Direct Simulation Monte Carlo (DSMC) technique. The code was tested for 2-D air flow around a circular cylinder. Same geometry and flow properties were used in FLUENT 6.2 for comparison. The results obtained from Mathematica simulation indicated significant agreement with FLUENT calculations, hence providing insight into particle nature of fluid flows.

Keywords: DSMC algorithm, non continuum gas flows, Monte Carlo methods

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144 Moving From Problem Space to Solution Space

Authors: Bilal Saeed Raja, M. Ali Iqbal, Imran Ihsan

Abstract:

Extracting and elaborating software requirements and transforming them into viable software architecture are still an intricate task. This paper defines a solution architecture which is based on the blurred amalgamation of problem space and solution space. The dependencies between domain constraints, requirements and architecture and their importance are described that are to be considered collectively while evolving from problem space to solution space. This paper proposes a revised version of Twin Peaks Model named Win Peaks Model that reconciles software requirements and architecture in more consistent and adaptable manner. Further the conflict between stakeholders- win-requirements is resolved by proposed Voting methodology that is simple adaptation of win-win requirements negotiation model and QARCC.

Keywords: Functional Requirements, Non Functional Requirements, Twin Peaks Model, QARCC.

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143 A Frame Work for Query Results Refinement in Multimedia Databases

Authors: Humaira Liaquat, Nadeem Iftikhar, Shaukat Ali, Zohaib Zafar Iqbal

Abstract:

In the current age, retrieval of relevant information from massive amount of data is a challenging job. Over the years, precise and relevant retrieval of information has attained high significance. There is a growing need in the market to build systems, which can retrieve multimedia information that precisely meets the user's current needs. In this paper, we have introduced a framework for refining query results before showing it to the user, using ambient intelligence, user profile, group profile, user location, time, day, user device type and extracted features. A prototypic tool was also developed to demonstrate the efficiency of the proposed approach.

Keywords: Context aware retrieval, Information retrieval, Ambient Intelligence, Multimedia databases, User and group profile.

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142 Geometrically Non-Linear Free Vibration Analysis of Functionally Graded Rectangular Plates

Authors: Boukhzer Abdenbi, El Bikri Khalid, Benamar Rhali

Abstract:

In the present study, the problem of geometrically non-linear free vibrations of functionally graded rectangular plates (FGRP) is studied. The theoretical model, previously developed and based on Hamilton’s principle, is adapted here to determine the fundamental non-linear mode shape of these plates. Frequency parameters, displacements and stress are given for various power-law distributions of the volume fractions of the constituents and various aspect ratios. Good agreement with previous published results is obtained in the case of linear and non-linear analyses.

Keywords: Non-linear vibration, functionally graded materials, rectangular plates.

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141 Synthesis of SnO Novel Cabbage Nanostructure and Its Electrochemical Property as an Anode Material for Lithium Ion Battery

Authors: Yongkui Cui, Fengping Wang, Hailai Zhao, Muhammad Zubair Iqbal, Ziya Wang, Yan Li, Pengpeng L. V.

Abstract:

The novel 3D SnO cabbages self-assembled by nanosheets were successfully synthesized via template-free hydrothermal growth method under facile conditions. The XRD results manifest that the as-prepared SnO is tetragonal phase. The TEM and HRTEM results show that the cabbage nanosheets are polycrystalline structure consisted of considerable single-crystalline nanoparticles. Two typical Raman modes A1g=210 and Eg=112 cm-1 of SnO are observed by Raman spectroscopy. Moreover, galvanostatic cycling tests has been performed using the SnO cabbages as anode material of lithium ion battery and the electrochemical results suggest that the synthesized SnO cabbage structures are a promising anode material for lithium ion batteries.

Keywords: Hydrothermal process, lithium ion battery, Raman spectroscopy, stannous oxide.

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140 A Novel Method for Live Debugging of Production Web Applications by Dynamic Resource Replacement

Authors: Khalid Al-Tahat, Khaled Zuhair Mahmoud, Ahmad Al-Mughrabi

Abstract:

This paper proposes a novel methodology for enabling debugging and tracing of production web applications without affecting its normal flow and functionality. This method of debugging enables developers and maintenance engineers to replace a set of existing resources such as images, server side scripts, cascading style sheets with another set of resources per web session. The new resources will only be active in the debug session and other sessions will not be affected. This methodology will help developers in tracing defects, especially those that appear only in production environments and in exploring the behaviour of the system. A realization of the proposed methodology has been implemented in Java.

Keywords: Live debugging, web application, web resources, inconsistent bugs, tracing.

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139 Dynamic Load Balancing in PVM Using Intelligent Application

Authors: Kashif Bilal, Tassawar Iqbal, Asad Ali Safi, Nadeem Daudpota

Abstract:

This paper deals with dynamic load balancing using PVM. In distributed environment Load Balancing and Heterogeneity are very critical issues and needed to drill down in order to achieve the optimal results and efficiency. Various techniques are being used in order to distribute the load dynamically among different nodes and to deal with heterogeneity. These techniques are using different approaches where Process Migration is basic concept with different optimal flavors. But Process Migration is not an easy job, it impose lot of burden and processing effort in order to track each process in nodes. We will propose a dynamic load balancing technique in which application will intelligently balance the load among different nodes, resulting in efficient use of system and have no overheads of process migration. It would also provide a simple solution to problem of load balancing in heterogeneous environment.

Keywords: PVM, load balancing, task allocation, intelligent application.

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138 Effect of Herbicides on Narrow Leaved Weeds and Yield of Wheat (Triticum aestivum L.)

Authors: M. Yasin, A. Tanveer, Z. Iqbal, A. Ali

Abstract:

This study was conducted to investigate the efficacy of five herbicides on narrow leaved weeds and growth and yield of wheat. An experiment was conducted at Agronomic Research Farm, University of Agriculture Faisalabad. The experiment was laid out in randomized complete block designee (RCBD) with three replications. Treatments studied were clodinafop (Topic-15 WG) at 37 g a.i. ha-1, clodinafop (Topaz-15 WG) at 45 g a.i. ha-1, fenoxaprop-p-ethyl (Puma Super-75 EW) at 45 g a.i. ha-1, fenoxaprop-p-ethyl (Gramicide-6.9 EW) at 85 g a.i. ha-1, fenoxaprop-p-ethyl (Chinlima-6.9 EW) at 85 g a.i. ha-1 and weedy check. Plots treated with fenoxaprop-p-ethyl (Puma Super-75 EW) at 45 g a.i. ha-1 produced relatively less weed biomass, more plant height, number of spike bearing tillers, number of grains per spike, 1000-grain weight and grain yield (4.20 t ha-1).

Keywords: clodinafop, fenoxaprop-p-ethyl, weeds, wheat

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137 Classification of Non Stationary Signals Using Ben Wavelet and Artificial Neural Networks

Authors: Mohammed Benbrahim, Khalid Benjelloun, Aomar Ibenbrahim, Adil Daoudi

Abstract:

The automatic classification of non stationary signals is an important practical goal in several domains. An essential classification task is to allocate the incoming signal to a group associated with the kind of physical phenomena producing it. In this paper, we present a modular system composed by three blocs: 1) Representation, 2) Dimensionality reduction and 3) Classification. The originality of our work consists in the use of a new wavelet called "Ben wavelet" in the representation stage. For the dimensionality reduction, we propose a new algorithm based on the random projection and the principal component analysis.

Keywords: Seismic signals, Ben Wavelet, Dimensionality reduction, Artificial neural networks, Classification.

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136 Factors of English Language Learning and Acquisition at Bisha College of Technology

Authors: Khalid Albishi

Abstract:

This paper participates in giving new vision and explains the learning and acquisition processes of English language by analyzing a certain context. Five important factors in English language acquisition and learning are discussed and suitable solutions are provided. The factors are compared with the learners' linguistic background at Bisha College of Technology BCT attempting to link the issues faced by students and the research done on similar situations. These factors are phonology, age of acquisition, motivation, psychology and courses of English. These factors are very important; because they interfere and affect specific learning processes at BCT context and general English learning situations.

Keywords: Acquisition, age, factors, language, learning.

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135 Clustering Approach to Unveiling Relationships between Gene Regulatory Networks

Authors: Hiba Hasan, Khalid Raza

Abstract:

Reverse engineering of genetic regulatory network involves the modeling of the given gene expression data into a form of the network. Computationally it is possible to have the relationships between genes, so called gene regulatory networks (GRNs), that can help to find the genomics and proteomics based diagnostic approach for any disease. In this paper, clustering based method has been used to reconstruct genetic regulatory network from time series gene expression data. Supercoiled data set from Escherichia coli has been taken to demonstrate the proposed method.

Keywords: Gene expression, gene regulatory networks (GRNs), clustering, data preprocessing, network visualization.

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134 Growth, Population, Exports and Wagner's Law: A Case Study of Pakistan (1972-2007)

Authors: T. Hussain, A. Iqbal, M. W. Siddiqi

Abstract:

The objective of this study is to examine the validity of Wagner-s law and relationship between economic growth, population and export for Pakistan. The ARDL Bounds cointegration and ECM are utilized for long and short run equilibrium for the period of 1972-2007. Population has considerable role in an economy and exports are the main source to raise the GDP. With the increase in GDP, the government expenditures may or may not increase. The empirical results indicate that the Wagner-s Law does hold, as economic growth is significantly and positively correlated with government expenditures. However, population and exports have also significant and positive impact on government expenditures both in short and long run. The significant and negative coefficient of error correction term in ECM indicates that after a shock, the long rum equilibrium will again converge towards equilibrium about 70.82 percent within a year.

Keywords: ARDL Cointegration, Growth, Pakistan, Wagner's law.

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133 Impact of Rebar-Reinforcement on Flexural Response of Shear-Critical Ultrahigh-Performance Concrete Beams

Authors: Yassir M. Abbas, Mohammad Iqbal Khan, Galal Fares

Abstract:

In the present work, the structural responses of 12 ultra-high-performance concrete (UHPC) beams to four-point loading conditions were experimentally and analytically studied. The inclusion of a fibrous system in the UHPC material increased its compressive and flexural strengths by 31.5% and 237.8%, respectively. Based on the analysis of the load-deflection curves of UHPC beams, it was found that UHPC beams with a low reinforcement ratio are prone to sudden brittle failure. This failure behavior was changed, however, to a ductile one in beams with medium to high ratios. The implication is that improving UHPC beam tensile reinforcement could result in a higher level of safety. More reinforcement bars also enabled the load-deflection behavior to be improved, particularly after yielding.

Keywords: Ultra-high-performance concrete, moment capacity, RC beams, hybrid fiber, ductility.

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132 Removal of Nitrogen Compounds from Industrial Wastewater Using Sequencing Batch Reactor: The Effects of React Time

Authors: Ali W. Alattabi, Khalid S. Hashim, Hassnen M. Jafer, Ali Alzeyadi

Abstract:

This study was performed to optimise the react time (RT) and study its effects on the removal rates of nitrogen compounds in a sequencing batch reactor (SBR) treating synthetic industrial wastewater. The results showed that increasing the RT from 4 h to 10, 16 and 22 h significantly improved the nitrogen compounds’ removal efficiency, it was increased from 69.5% to 95%, 75.7 to 97% and from 54.2 to 80.1% for NH3-N, NO3-N and NO2-N respectively. The results obtained from this study showed that the RT of 22 h was the optimum for nitrogen compounds removal efficiency.

Keywords: Ammonia-nitrogen, retention time, nitrate, nitrite, sequencing batch reactor, sludge characteristics.

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131 Tracking Trajectory of a Cable-Driven Robot for Lower Limb Rehabilitation

Authors: Hachmia Faqihi, Maarouf Saad, Khalid Benjelloun, Mohammed Benbrahim, M. Nabil Kabbaj

Abstract:

This paper investigates and presents a cable-driven robot to lower limb rehabilitation use in sagittal plane. The presented rehabilitation robot is used for a trajectory tracking in joint space. The paper covers kinematic and dynamic analysis, which reveals the tensionability of the used cables as being the actuating source to provide a rehabilitation exercises of the human leg. The desired trajectory is generated to be used in the control system design in joint space. The obtained simulation results is showed to be efficient in this kind of application.

Keywords: Cable-driven multibody system, computed-torque controller, lower limb rehabilitation, tracking trajectory.

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130 Application of Life Data Analysis for the Reliability Assessment of Numerical Overcurrent Relays

Authors: Mohd Iqbal Ridwan, Kerk Lee Yen, Aminuddin Musa, Bahisham Yunus

Abstract:

Protective relays are components of a protection system in a power system domain that provides decision making element for correct protection and fault clearing operations. Failure of the protection devices may reduce the integrity and reliability of the power system protection that will impact the overall performance of the power system. Hence it is imperative for power utilities to assess the reliability of protective relays to assure it will perform its intended function without failure. This paper will discuss the application of reliability analysis using statistical method called Life Data Analysis in Tenaga Nasional Berhad (TNB), a government linked power utility company in Malaysia, namely Transmission Division, to assess and evaluate the reliability of numerical overcurrent protective relays from two different manufacturers.

Keywords: Life data analysis, Protective relays, Reliability, Weibull Distribution.

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129 A NXM Version of 5X5 Playfair Cipher for any Natural Language (Urdu as Special Case)

Authors: Muhammad Salam, Nasir Rashid, Shah Khalid, Muhammad Raees Khan

Abstract:

In this paper a modified version NXM of traditional 5X5 playfair cipher is introduced which enable the user to encrypt message of any Natural language by taking appropriate size of the matrix depending upon the size of the natural language. 5X5 matrix has the capability of storing only 26 characters of English language and unable to store characters of any language having more than 26 characters. To overcome this limitation NXM matrix is introduced which solve this limitation. In this paper a special case of Urdu language is discussed. Where # is used for completing odd pair and * is used for repeating letters.

Keywords: cryptography, decryption, encryption, playfair cipher, traditional cipher.

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128 Exact Solutions of Steady Plane Flows of an Incompressible Fluid of Variable Viscosity Using (ξ, ψ)- Or (η, ψ)- Coordinates

Authors: Rana Khalid Naeem, Asif Mansoor, Waseem Ahmed Khan, Aurangzaib

Abstract:

The exact solutions of the equations describing the steady plane motion of an incompressible fluid of variable viscosity for an arbitrary state equation are determined in the (ξ,ψ) − or (η,ψ )- coordinates where ψ(x,y) is the stream function, ξ and η are the parts of the analytic function, ϖ =ξ( x,y )+iη( x,y ). Most of the solutions involve arbitrary function/ functions indicating  that the flow equations possess an infinite set of solutions. 

Keywords: Exact solutions, Fluid of variable viscosity, Navier-Stokes equations, Steady plane flows

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127 STM Spectroscopy of Alloyed Nanocrystal Composite CdSxSe1-X

Authors: T. Abdallah, K. Easawi, A. Khalid, S. Negm, H. Talaat

Abstract:

Nanocrystals (NC) alloyed composite CdSxSe1-x(x=0 to 1) have been prepared using the chemical solution deposition technique. The energy band gap of these alloyed nanocrystals of approximately the same size, have been determined by scanning tunneling spectroscopy (STS) technique at room temperature. The values of the energy band gap obtained directly using STS are compared to those measured by optical spectroscopy. Increasing the molar fraction ratio x from 0 to 1 causes clearly observed increase in the band gap of the alloyed composite nanocrystal. Vegard-s law was applied to calculate the parameters of the effective mass approximation (EMA) model and the dimension obtained were compared to the values measured by STM. The good agreement of the calculated and measured values is a direct result of applying Vegard's law in the nanocomposites.

Keywords: Alloy semiconductor nanocrystals, STM.

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126 Shielding Effectiveness of Rice Husk and CNT Composites in X-Band Frequency

Authors: Y. S. Lee, F. Malek, E. M. Cheng, W. W. Liu, F. H. Wee, M. N. Iqbal, Z. Liyana, B. S. Yew, F. S. Abdullah

Abstract:

This paper presents the electromagnetic interference (EMI) shielding effectiveness of rice husk and carbon nanotubes (RHCNTs) composites in the X-band region (8.2-12.4 GHz). The difference weight ratio of carbon nanotubes (CNTs) were mix with the rice husk. The rectangular waveguide technique was used to measure the complex permittivity of the RHCNTs composites materials. The complex permittivity is represented in terms of both the real and imaginary parts of permittivity in X-band frequency. The conductivity of RHCNTs shows increasing when the ratio of CNTs mixture increases. The composites materials were simulated using Computer Simulation Technology (CST) Microwave Studio simulation software. The shielding effectiveness of RHCNTs and pure rice husk was compared. The highest EMI SE of 30 dB is obtained for RHCNTs composites of 10 wt % CNTs with 10mm thickness.

Keywords: EMI Shielding effectiveness, Carbon nanotube, Composite materials, Waveguide, X-band.

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125 Quantitative Estimation of Periodicities in Lyari River Flow Routing

Authors: Rana Khalid Naeem, Asif Mansoor

Abstract:

The hydrologic time series data display periodic structure and periodic autoregressive process receives considerable attention in modeling of such series. In this communication long term record of monthly waste flow of Lyari river is utilized to quantify by using PAR modeling technique. The parameters of model are estimated by using Frances & Paap methodology. This study shows that periodic autoregressive model of order 2 is the most parsimonious model for assessing periodicity in waste flow of the river. A careful statistical analysis of residuals of PAR (2) model is used for establishing goodness of fit. The forecast by using proposed model confirms significance and effectiveness of the model.

Keywords: Diagnostic checks, Lyari river, Model selection, Monthly waste flow, Periodicity, Periodic autoregressive model.

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124 Three-Dimensional Numerical Investigation for Reinforced Concrete Slabs with Opening

Authors: Abdelrahman Elsehsah, Hany Madkour, Khalid Farah

Abstract:

This article presents a 3-D modified non-linear elastic model in the strain space. The Helmholtz free energy function is introduced with the existence of a dissipation potential surface in the space of thermodynamic conjugate forces. The constitutive equation and the damage evolution were derived as well. The modified damage has been examined to model the nonlinear behavior of reinforced concrete (RC) slabs with an opening. A parametric study with RC was carried out to investigate the impact of different factors on the behavior of RC slabs. These factors are the opening area, the opening shape, the place of opening, and the thickness of the slabs. And the numerical results have been compared with the experimental data from literature. Finally, the model showed its ability to be applied to the structural analysis of RC slabs.

Keywords: 3-D numerical analysis, damage mechanics, RC slab with opening.

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123 Numerical Simulation of the Effects of Nanofluid on a Heat Pipe Thermal Performance

Authors: Barzin Gavtash, Khalid Hussain, Mohammad Layeghi, Saeed Sadeghi Lafmejani

Abstract:

This research aims at modeling and simulating the effects of nanofluids on cylindrical heat pipes thermal performance using the ANSYS-FLUENT CFD commercial software. The heat pipe outer wall temperature distribution, thermal resistance, liquid pressure and axial velocity in presence of suspended nano-scaled solid particle (i.e. Cu, Al2O3 and TiO2) within the fluid (water) were investigated. The effect of particle concentration and size were explored and it is concluded that the thermal performance of the heat pipe is improved when using nanofluid as the system working fluid. Additionally, it was observed that the thermal resistance of the heat pipe drops as the particle concentration level increases and particle radius decreases.

Keywords: CFD, Heat Pipe, Nanofluid, Thermal resistance

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122 Coverage and Connectivity Problem in Sensor Networks

Authors: Meenakshi Bansal, Iqbal Singh, Parvinder S. Sandhu

Abstract:

In over deployed sensor networks, one approach to Conserve energy is to keep only a small subset of sensors active at Any instant. For the coverage problems, the monitoring area in a set of points that require sensing, called demand points, and consider that the node coverage area is a circle of range R, where R is the sensing range, If the Distance between a demand point and a sensor node is less than R, the node is able to cover this point. We consider a wireless sensor network consisting of a set of sensors deployed randomly. A point in the monitored area is covered if it is within the sensing range of a sensor. In some applications, when the network is sufficiently dense, area coverage can be approximated by guaranteeing point coverage. In this case, all the points of wireless devices could be used to represent the whole area, and the working sensors are supposed to cover all the sensors. We also introduce Hybrid Algorithm and challenges related to coverage in sensor networks.

Keywords: Wireless sensor networks, network coverage, Energy conservation, Hybrid Algorithms.

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121 Uniform Solution on the Effect of Internal Heat Generation on Rayleigh-Benard Convection in Micropolar Fluid

Authors: Izzati K. Khalid, Nor Fadzillah M. Mokhtar, Norihan Md. Arifin

Abstract:

The effect of internal heat generation is applied to the Rayleigh-Benard convection in a horizontal micropolar fluid layer. The bounding surfaces of the liquids are considered to be rigid-free, rigid-rigid and free-free with the combination of isothermal on the spin-vanishing boundaries. A linear stability analysis is used and the Galerkin method is employed to find the critical stability parameters numerically. It is shown that the critical Rayleigh number decreases as the value of internal heat generation increase and hence destabilize the system.

Keywords: Internal heat generation, micropolar fluid, rayleighbenard convection.

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120 Owner/Managers’ External Financing Used and Preference towards Islamic Banking

Authors: Khalid Hassan Abdesamed, Kalsom Abd Wahab

Abstract:

Economic development and growth are significantly linked to the consistent and sustainable sector of small and medium enterprises (SMEs). Banks are the frontrunners in financing and advising SMEs. The main objective of the study is to assess the tendency of SMEs to use the Islamic bank. Model was developed using quantitative method with a hypothetical-deductive testing approach. Model (N = 364) used primary data on the tendency of SMEs to use Islamic banks gathered from questionnaire. It is found by Mann-Whitney test that the tendency to use Islamic bank varies between those firms which consider formal financing with the ones relying on informal financing with the latter tends more to use Islamic bank. This study can serve academic researchers, policy makers, and developing countries as a model of SMEs’ desirability to Islamic banking.

Keywords: Formal financing, informal financing, Islamic bank, SMEs.

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119 Content-Based Color Image Retrieval Based On 2-D Histogram and Statistical Moments

Authors: Khalid Elasnaoui, Brahim Aksasse, Mohammed Ouanan

Abstract:

In this paper, we are interested in the problem of finding similar images in a large database. For this purpose we propose a new algorithm based on a combination of the 2-D histogram intersection in the HSV space and statistical moments. The proposed histogram is based on a 3x3 window and not only on the intensity of the pixel. This approach overcome the drawback of the conventional 1-D histogram which is ignoring the spatial distribution of pixels in the image, while the statistical moments are used to escape the effects of the discretisation of the color space which is intrinsic to the use of histograms. We compare the performance of our new algorithm to various methods of the state of the art and we show that it has several advantages. It is fast, consumes little memory and requires no learning. To validate our results, we apply this algorithm to search for similar images in different image databases.

Keywords: 2-D histogram, Statistical moments, Indexing, Similarity distance, Histograms intersection.

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118 A Neural Approach for Color-Textured Images Segmentation

Authors: Khalid Salhi, El Miloud Jaara, Mohammed Talibi Alaoui

Abstract:

In this paper, we present a neural approach for unsupervised natural color-texture image segmentation, which is based on both Kohonen maps and mathematical morphology, using a combination of the texture and the image color information of the image, namely, the fractal features based on fractal dimension are selected to present the information texture, and the color features presented in RGB color space. These features are then used to train the network Kohonen, which will be represented by the underlying probability density function, the segmentation of this map is made by morphological watershed transformation. The performance of our color-texture segmentation approach is compared first, to color-based methods or texture-based methods only, and then to k-means method.

Keywords: Segmentation, color-texture, neural networks, fractal, watershed.

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117 Drag Analysis of an Aircraft Wing Model withand without Bird Feather like Winglet

Authors: Altab Hossain, Ataur Rahman, A.K.M. P. Iqbal, M. Ariffin, M. Mazian

Abstract:

This work describes the aerodynamic characteristic for aircraft wing model with and without bird feather like winglet. The aerofoil used to construct the whole structure is NACA 653-218 Rectangular wing and this aerofoil has been used to compare the result with previous research using winglet. The model of the rectangular wing with bird feather like winglet has been fabricated using polystyrene before design using CATIA P3 V5R13 software and finally fabricated in wood. The experimental analysis for the aerodynamic characteristic for rectangular wing without winglet, wing with horizontal winglet and wing with 60 degree inclination winglet for Reynolds number 1.66×105, 2.08×105 and 2.50×105 have been carried out in open loop low speed wind tunnel at the Aerodynamics laboratory in Universiti Putra Malaysia. The experimental result shows 25-30 % reduction in drag coefficient and 10-20 % increase in lift coefficient by using bird feather like winglet for angle of attack of 8 degree.

Keywords: Aerofoil, Wind tunnel, Winglet, Drag Coefficient.

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116 Small and Medium Enterprises (SMEs) Financing Practice and Accessing Bank Loan Issues -The Case of Libya

Authors: Kalsom Abd Wahab, Khalid Hassan Abdesamed

Abstract:

The purpose of this paper is to examine the financing practices of SMEs in Libya in two different phases of business life cycle: start-up and matured stages. Moreover, SMEs- accessing bank loan issues is also identified. The study was conducted by taking into account the aspect of demand. The findings are based on a sample of 76 SMEs in Libya through the adoption of questionnaires. The results have pinpointed several things- evidently, SMEs use informal financing sources which prefer personal savings; SME owners are willing to apply for bank loan, that the most pressing problem has been identified, not to apply bank loan is loan with interest (religion factor).

Keywords: SMEs, Formal Finance (loan from bank), Informal Finance, Loan with interest (religion factor), Libya.

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