Search results for: general data protection regulation
Commenced in January 2007
Frequency: Monthly
Edition: International
Paper Count: 9030

Search results for: general data protection regulation

7680 Application of Data Mining Techniques for Tourism Knowledge Discovery

Authors: Teklu Urgessa, Wookjae Maeng, Joong Seek Lee

Abstract:

Application of five implementations of three data mining classification techniques was experimented for extracting important insights from tourism data. The aim was to find out the best performing algorithm among the compared ones for tourism knowledge discovery. Knowledge discovery process from data was used as a process model. 10-fold cross validation method is used for testing purpose. Various data preprocessing activities were performed to get the final dataset for model building. Classification models of the selected algorithms were built with different scenarios on the preprocessed dataset. The outperformed algorithm tourism dataset was Random Forest (76%) before applying information gain based attribute selection and J48 (C4.5) (75%) after selection of top relevant attributes to the class (target) attribute. In terms of time for model building, attribute selection improves the efficiency of all algorithms. Artificial Neural Network (multilayer perceptron) showed the highest improvement (90%). The rules extracted from the decision tree model are presented, which showed intricate, non-trivial knowledge/insight that would otherwise not be discovered by simple statistical analysis with mediocre accuracy of the machine using classification algorithms.

Keywords: Classification algorithms; data mining; tourism; knowledge discovery.

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7679 Clustering Categorical Data Using Hierarchies (CLUCDUH)

Authors: Gökhan Silahtaroğlu

Abstract:

Clustering large populations is an important problem when the data contain noise and different shapes. A good clustering algorithm or approach should be efficient enough to detect clusters sensitively. Besides space complexity, time complexity also gains importance as the size grows. Using hierarchies we developed a new algorithm to split attributes according to the values they have and choosing the dimension for splitting so as to divide the database roughly into equal parts as much as possible. At each node we calculate some certain descriptive statistical features of the data which reside and by pruning we generate the natural clusters with a complexity of O(n).

Keywords: Clustering, tree, split, pruning, entropy, gini.

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7678 Analysis of Users’ Behavior on Book Loan Log Based On Association Rule Mining

Authors: Kanyarat Bussaban, Kunyanuth Kularbphettong

Abstract:

This research aims to create a model for analysis of student behavior using Library resources based on data mining technique in case of Suan Sunandha Rajabhat University. The model was created under association rules, Apriori algorithm. The results were found 14 rules and the rules were tested with testing data set and it showed that the ability of classify data was 79.24percent and the MSE was 22.91. The results showed that the user’s behavior model by using association rule technique can use to manage the library resources.

Keywords: Behavior, data mining technique, Apriori algorithm.

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7677 Data Integrity: Challenges in Health Information Systems in South Africa

Authors: T. Thulare, M. Herselman, A. Botha

Abstract:

Poor system use, including inappropriate design of health information systems, causes difficulties in communication with patients and increased time spent by healthcare professionals in recording the necessary health information for medical records. System features like pop-up reminders, complex menus, and poor user interfaces can make medical records far more time consuming than paper cards as well as affect decision-making processes. Although errors associated with health information and their real and likely effect on the quality of care and patient safety have been documented for many years, more research is needed to measure the occurrence of these errors and determine the causes to implement solutions. Therefore, the purpose of this paper is to identify data integrity challenges in hospital information systems through a scoping review and based on the results provide recommendations on how to manage these. Only 34 papers were found to be most suitable out of 297 publications initially identified in the field. The results indicated that human and computerized systems are the most common challenges associated with data integrity and factors such as policy, environment, health workforce, and lack of awareness attribute to these challenges but if measures are taken the data integrity challenges can be managed.

Keywords: Data integrity, data integrity challenges, hospital information systems, South Africa.

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7676 On Speeding Up Support Vector Machines: Proximity Graphs Versus Random Sampling for Pre-Selection Condensation

Authors: Xiaohua Liu, Juan F. Beltran, Nishant Mohanchandra, Godfried T. Toussaint

Abstract:

Support vector machines (SVMs) are considered to be the best machine learning algorithms for minimizing the predictive probability of misclassification. However, their drawback is that for large data sets the computation of the optimal decision boundary is a time consuming function of the size of the training set. Hence several methods have been proposed to speed up the SVM algorithm. Here three methods used to speed up the computation of the SVM classifiers are compared experimentally using a musical genre classification problem. The simplest method pre-selects a random sample of the data before the application of the SVM algorithm. Two additional methods use proximity graphs to pre-select data that are near the decision boundary. One uses k-Nearest Neighbor graphs and the other Relative Neighborhood Graphs to accomplish the task.

Keywords: Machine learning, data mining, support vector machines, proximity graphs, relative-neighborhood graphs, k-nearestneighbor graphs, random sampling, training data condensation.

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7675 Wavelet and K-L Seperability Based Feature Extraction Method for Functional Data Classification

Authors: Jun Wan, Zehua Chen, Yingwu Chen, Zhidong Bai

Abstract:

This paper proposes a novel feature extraction method, based on Discrete Wavelet Transform (DWT) and K-L Seperability (KLS), for the classification of Functional Data (FD). This method combines the decorrelation and reduction property of DWT and the additive independence property of KLS, which is helpful to extraction classification features of FD. It is an advanced approach of the popular wavelet based shrinkage method for functional data reduction and classification. A theory analysis is given in the paper to prove the consistent convergence property, and a simulation study is also done to compare the proposed method with the former shrinkage ones. The experiment results show that this method has advantages in improving classification efficiency, precision and robustness.

Keywords: classification, functional data, feature extraction, K-Lseperability, wavelet.

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7674 A Cuckoo Search with Differential Evolution for Clustering Microarray Gene Expression Data

Authors: M. Pandi, K. Premalatha

Abstract:

A DNA microarray technology is a collection of microscopic DNA spots attached to a solid surface. Scientists use DNA microarrays to measure the expression levels of large numbers of genes simultaneously or to genotype multiple regions of a genome. Elucidating the patterns hidden in gene expression data offers a tremendous opportunity for an enhanced understanding of functional genomics. However, the large number of genes and the complexity of biological networks greatly increase the challenges of comprehending and interpreting the resulting mass of data, which often consists of millions of measurements. It is handled by clustering which reveals the natural structures and identifying the interesting patterns in the underlying data. In this paper, gene based clustering in gene expression data is proposed using Cuckoo Search with Differential Evolution (CS-DE). The experiment results are analyzed with gene expression benchmark datasets. The results show that CS-DE outperforms CS in benchmark datasets. To find the validation of the clustering results, this work is tested with one internal and one external cluster validation indexes.

Keywords: DNA, Microarray, genomics, Cuckoo Search, Differential Evolution, Gene expression data, Clustering.

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7673 Ground Response Analyses in Budapest Based on Site Investigations and Laboratory Measurements

Authors: Zsolt Szilvágyi, Jakub Panuska, Orsolya Kegyes-Brassai, Ákos Wolf, Péter Tildy, Richard P. Ray

Abstract:

Near-surface loose sediments and local ground conditions in general have a major influence on seismic response of structures. It is a difficult task to model ground behavior in seismic soil-structure-foundation interaction problems, fully account for them in seismic design of structures, or even properly consider them in seismic hazard assessment. In this study, we focused on applying seismic soil investigation methods, used for determining soil stiffness and damping properties, to response analysis used in seismic design. A site in Budapest, Hungary was investigated using Multichannel Analysis of Surface Waves, Seismic Cone Penetration Tests, Bender Elements, Resonant Column and Torsional Shear tests. Our aim was to compare the results of the different test methods and use the resulting soil properties for 1D ground response analysis. Often in practice, there are little-to no data available on dynamic soil properties and estimated parameters are used for design. Therefore, a comparison is made between results based on estimated parameters and those based on detailed investigations. Ground response results are also compared to Eurocode 8 design spectra.

Keywords: Bender element, ground response analysis, MASW, resonant column test, SCPT, torsional shear test.

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7672 Physiological Action of Anthraquinone-Containing Preparations

Authors: Dmitry Yu. Korulkin, Raissa A. Muzychkina, Evgenii N. Kojaev

Abstract:

In review the generalized data about biological activity of anthraquinone-containing plants and specimens on their basis is presented. Data of traditional medicine, results of bioscreening and clinical researches of specimens are analyzed.

Keywords: Anthraquinones, physiologically active substances, phytopreparation, Ramon.

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7671 Dynamical Analysis of Circadian Gene Expression

Authors: Carla Layana Luis Diambra

Abstract:

Microarrays technique allows the simultaneous measurements of the expression levels of thousands of mRNAs. By mining this data one can identify the dynamics of the gene expression time series. By recourse of principal component analysis, we uncover the circadian rhythmic patterns underlying the gene expression profiles from Cyanobacterium Synechocystis. We applied PCA to reduce the dimensionality of the data set. Examination of the components also provides insight into the underlying factors measured in the experiments. Our results suggest that all rhythmic content of data can be reduced to three main components.

Keywords: circadian rhythms, clustering, gene expression, PCA.

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7670 Modified Data Mining Approach for Defective Diagnosis in Hard Disk Drive Industry

Authors: S. Soommat, S. Patamatamkul, T. Prempridi, M. Sritulyachot, P. Ineure, S. Yimman

Abstract:

Currently, slider process of Hard Disk Drive Industry become more complex, defective diagnosis for yield improvement becomes more complicated and time-consumed. Manufacturing data analysis with data mining approach is widely used for solving that problem. The existing mining approach from combining of the KMean clustering, the machine oriented Kruskal-Wallis test and the multivariate chart were applied for defective diagnosis but it is still be a semiautomatic diagnosis system. This article aims to modify an algorithm to support an automatic decision for the existing approach. Based on the research framework, the new approach can do an automatic diagnosis and help engineer to find out the defective factors faster than the existing approach about 50%.

Keywords: Slider process, Defective diagnosis and Data mining.

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7669 Authentication and Data Hiding Using a Reversible ROI-based Watermarking Scheme for DICOM Images

Authors: Osamah M. Al-Qershi, Khoo Bee Ee

Abstract:

In recent years image watermarking has become an important research area in data security, confidentiality and image integrity. Many watermarking techniques were proposed for medical images. However, medical images, unlike most of images, require extreme care when embedding additional data within them because the additional information must not affect the image quality and readability. Also the medical records, electronic or not, are linked to the medical secrecy, for that reason, the records must be confidential. To fulfill those requirements, this paper presents a lossless watermarking scheme for DICOM images. The proposed a fragile scheme combines two reversible techniques based on difference expansion for patient's data hiding and protecting the region of interest (ROI) with tamper detection and recovery capability. Patient's data are embedded into ROI, while recovery data are embedded into region of non-interest (RONI). The experimental results show that the original image can be exactly extracted from the watermarked one in case of no tampering. In case of tampered ROI, tampered area can be localized and recovered with a high quality version of the original area.

Keywords: DICOM, reversible, ROI-based, watermarking.

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7668 Study Punching Shear of Steel Fiber Reinforced Self Compacting Concrete Slabs by Nonlinear Analysis

Authors: Khaled S. Ragab

Abstract:

This paper deals with behavior and capacity of punching shear force for flat slabs produced from steel fiber reinforced self compacting concrete (SFRSCC) by application nonlinear finite element method. Nonlinear finite element analysis on nine slab specimens was achieved by using ANSYS software. A general description of the finite element method, theoretical modeling of concrete and reinforcement are presented. The nonlinear finite element analysis program ANSYS is utilized owing to its capabilities to predict either the response of reinforced concrete slabs in the post elastic range or the ultimate strength of a flat slabs produced from steel fiber reinforced self compacting concrete (SFRSCC). In order to verify the analytical model used in this research using test results of the experimental data, the finite element analysis were performed then a parametric study of the effect ratio of flexural reinforcement, ratio of the upper reinforcement, and volume fraction of steel fibers were investigated. A comparison between the experimental results and those predicted by the existing models are presented. Results and conclusions may be useful for designers, have been raised, and represented.

Keywords: Nonlinear FEM, Punching shear behavior, Flat slabs and Steel fiber reinforced self compacting concrete (SFRSCC).

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7667 The Anti-Noise and Anti-Wear Systems for Railways

Authors: Brigita Altenbaher

Abstract:

In recent years there has been a continuous increase of axle loads, tonnage, train speed and train length which has increased both the productivity in the rail sector and the risk of rail breaks and derailments. On the other hand, the environmental requirements (e.g. noise reduction) for railway operations will become tighter in the future. In our research we developed a new composite material which does not change braking properties, is capable of taking extremely high pressure loads, reduces noise and is environmentally friendly. Part of our research was also the development of technology which will be able to apply this material to the rail. The result of our research was the system which reduces the wear out significantly and almost completely eliminates the squealing noise at the same time, and by using only one special material.

Keywords: Active protection, composite material, lubrication, noise reduction, reduction at source, railway.

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7666 Continual Learning Using Data Generation for Hyperspectral Remote Sensing Scene Classification

Authors: Samiah Alammari, Nassim Ammour

Abstract:

When providing a massive number of tasks successively to a deep learning process, a good performance of the model requires preserving the previous tasks data to retrain the model for each upcoming classification. Otherwise, the model performs poorly due to the catastrophic forgetting phenomenon. To overcome this shortcoming, we developed a successful continual learning deep model for remote sensing hyperspectral image regions classification. The proposed neural network architecture encapsulates two trainable subnetworks. The first module adapts its weights by minimizing the discrimination error between the land-cover classes during the new task learning, and the second module tries to learn how to replicate the data of the previous tasks by discovering the latent data structure of the new task dataset. We conduct experiments on hyperspectral image (HSI) dataset on Indian Pines. The results confirm the capability of the proposed method.

Keywords: Continual learning, data reconstruction, remote sensing, hyperspectral image segmentation.

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7665 Stego Machine – Video Steganography using Modified LSB Algorithm

Authors: Mritha Ramalingam

Abstract:

Computer technology and the Internet have made a breakthrough in the existence of data communication. This has opened a whole new way of implementing steganography to ensure secure data transfer. Steganography is the fine art of hiding the information. Hiding the message in the carrier file enables the deniability of the existence of any message at all. This paper designs a stego machine to develop a steganographic application to hide data containing text in a computer video file and to retrieve the hidden information. This can be designed by embedding text file in a video file in such away that the video does not loose its functionality using Least Significant Bit (LSB) modification method. This method applies imperceptible modifications. This proposed method strives for high security to an eavesdropper-s inability to detect hidden information.

Keywords: Data hiding, LSB, Stego machine, VideoSteganography

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7664 A Causal Model for Environmental Design of Residential Community for Elderly Well-Being in Thailand

Authors: Porntip Ruengtam

Abstract:

This article is an extension of previous research presenting the relevant factors related to environmental perceptions, residential community, and the design of a healing environment, which have effects on the well-being and requirements of Thai elderly. Research methodology began with observations and interviews in three case studies in terms of the management processes and environment design of similar existing projects in Thailand. The interview results were taken to summarize with related theories and literature. A questionnaire survey was designed for data collection to confirm the factors of requirements in a residential community intended for the Thai elderly. A structural equation model (SEM) was formulated to explain the cause-effect factors for the requirements of a residential community for Thai elderly. The research revealed that the requirements of a residential community for Thai elderly were classified into three groups when utilizing a technique for exploratory factor analysis. The factors were comprised of (1) requirements for general facilities and activities, (2) requirements for facilities related to health and security, and (3) requirements for facilities related to physical exercise in the residential community. The results from the SEM showed the background of elderly people had a direct effect on their requirements for a residential community from various aspects. The results should lead to the formulation of policies for design and management of residential communities for the elderly in order to enhance quality of life as well as both the physical and mental health of the Thai elderly.

Keywords: Elderly, environmental design, residential community, structural equation modeling.

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7663 Investigation of Heating Behaviour of E-textile Structures

Authors: H. Sezgin, S. Kursun Bahadır, Y. E. Boke, F. Kalaoğlu

Abstract:

By textile science incorporating with electronic industry, developed textile products start to take part in different areas such as industry, military, space, medical etc. for health, protection, defense, communication and automation. Electronic textiles (e-textiles) are fabrics that contain electronics and interconnections with them. In this study, two types of base yarns (cotton and acrylic) and three types of conductive steel yarns with different linear resistance values (14Ω/m, 30Ω/m, 70Ω/m) were used to investigate the effect of base yarn type and linear resistance of conductive yarns on thermal behavior of e-textile structures. Thermal behavior of samples was examined by thermal camera.

Keywords: Conductive yarn, e-textiles, smart textiles, thermal analysis.

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7662 The Game of Synchronized Quadromineering

Authors: Alessandro Cincotti

Abstract:

In synchronized games players make their moves simultaneously rather than alternately. Synchronized Quadromineering is the synchronized version of Quadromineering, a variants of a classical two-player combinatorial game called Domineering. Experimental results for small m × n boards (with m + n < 15) and some theoretical results for general k × n boards (with k = 4, 5, 6) are presented. Moreover, some Synchronized Quadromineering variants are also investigated.

Keywords: Combinatorial games, Synchronized games, Quadromineering.

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7661 A Multi-Feature Deep Learning Algorithm for Urban Traffic Classification with Limited Labeled Data

Authors: Rohan Putatunda, Aryya Gangopadhyay

Abstract:

Acoustic sensors, if embedded in smart street lights, can help in capturing the activities (car honking, sirens, events, traffic, etc.) in cities. Needless to say, the acoustic data from such scenarios are complex due to multiple audio streams originating from different events, and when decomposed to independent signals, the amount of retrieved data volume is small in quantity which is inadequate to train deep neural networks. So, in this paper, we address the two challenges: a) separating the mixed signals, and b) developing an efficient acoustic classifier under data paucity. So, to address these challenges, we propose an architecture with supervised deep learning, where the initial captured mixed acoustics data are analyzed with Fast Fourier Transformation (FFT), followed by filtering the noise from the signal, and then decomposed to independent signals by fast independent component analysis (Fast ICA). To address the challenge of data paucity, we propose a multi feature-based deep neural network with high performance that is reflected in our experiments when compared to the conventional convolutional neural network (CNN) and multi-layer perceptron (MLP).

Keywords: FFT, ICA, vehicle classification, multi-feature DNN, CNN, MLP.

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7660 An Educational Data Mining System for Advising Higher Education Students

Authors: Heba Mohammed Nagy, Walid Mohamed Aly, Osama Fathy Hegazy

Abstract:

Educational  data mining  is  a  specific  data   mining field applied to data originating from educational environments, it relies on different  approaches to discover hidden knowledge  from  the  available   data. Among these approaches are   machine   learning techniques which are used to build a system that acquires learning from previous data. Machine learning can be applied to solve different regression, classification, clustering and optimization problems.

In  our  research, we propose  a “Student  Advisory  Framework” that  utilizes  classification  and  clustering  to  build  an  intelligent system. This system can be used to provide pieces of consultations to a first year  university  student to  pursue a  certain   education   track   where  he/she  will  likely  succeed  in, aiming  to  decrease   the  high  rate   of  academic  failure   among these  students.  A real case study  in Cairo  Higher  Institute  for Engineering, Computer  Science  and  Management  is  presented using  real  dataset   collected  from  2000−2012.The dataset has two main components: pre-higher education dataset and first year courses results dataset. Results have proved the efficiency of the suggested framework.

Keywords: Classification, Clustering, Educational Data Mining (EDM), Machine Learning.

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7659 Auto Classification for Search Intelligence

Authors: Lilac A. E. Al-Safadi

Abstract:

This paper proposes an auto-classification algorithm of Web pages using Data mining techniques. We consider the problem of discovering association rules between terms in a set of Web pages belonging to a category in a search engine database, and present an auto-classification algorithm for solving this problem that are fundamentally based on Apriori algorithm. The proposed technique has two phases. The first phase is a training phase where human experts determines the categories of different Web pages, and the supervised Data mining algorithm will combine these categories with appropriate weighted index terms according to the highest supported rules among the most frequent words. The second phase is the categorization phase where a web crawler will crawl through the World Wide Web to build a database categorized according to the result of the data mining approach. This database contains URLs and their categories.

Keywords: Information Processing on the Web, Data Mining, Document Classification.

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7658 Causal Factors Affecting on Trustworthiness and Success of the National Press Council of Thailand in Regulating Professional Ethics in Views of Newspaper Journalists

Authors: Bubpha Makesrithongkum

Abstract:

The objectives of this research were 1) to study the opinions of newspaper journalists about their trustworthiness in the National Press Council of Thailand (NPCT) and the NPCT-s success in regulating the professional ethics; and 2) to study the differences among mean vectors of the variables of trustworthiness in the NPCT and opinions on the NPCT-s success in regulating professional ethics among samples working at different work positions and from different affiliation of newspaper organizations. The results showed that 1) Interaction effects between the variables of work positions and affiliation were not statistically significant at the confidence level of 0.05. 2) There was a statistically significant difference (p<0.05) in the views of journalists (reporters, heads of news desks and editors) at newspapers in the Bangkok metropolis and at local newspapers in other regions regarding their level of trustworthiness in the NPCT-s fulfillment of its duty to regulate professional ethics.

Keywords: National Press Council of Thailand, newspaper journalists, regulation of newspaper professional ethics, trustworthiness and success in fulfilling duties.

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7657 Retrieval of Relevant Visual Data in Selected Machine Vision Tasks: Examples of Hardware-based and Software-based Solutions

Authors: Andrzej Śluzek

Abstract:

To illustrate diversity of methods used to extract relevant (where the concept of relevance can be differently defined for different applications) visual data, the paper discusses three groups of such methods. They have been selected from a range of alternatives to highlight how hardware and software tools can be complementarily used in order to achieve various functionalities in case of different specifications of “relevant data". First, principles of gated imaging are presented (where relevance is determined by the range). The second methodology is intended for intelligent intrusion detection, while the last one is used for content-based image matching and retrieval. All methods have been developed within projects supervised by the author.

Keywords: Relevant visual data, gated imaging, intrusion detection, image matching.

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7656 Multidimensional and Data Mining Analysis for Property Investment Risk Analysis

Authors: Nur Atiqah Rochin Demong, Jie Lu, Farookh Khadeer Hussain

Abstract:

Property investment in the real estate industry has a high risk due to the uncertainty factors that will affect the decisions made and high cost. Analytic hierarchy process has existed for some time in which referred to an expert-s opinion to measure the uncertainty of the risk factors for the risk analysis. Therefore, different level of experts- experiences will create different opinion and lead to the conflict among the experts in the field. The objective of this paper is to propose a new technique to measure the uncertainty of the risk factors based on multidimensional data model and data mining techniques as deterministic approach. The propose technique consist of a basic framework which includes four modules: user, technology, end-user access tools and applications. The property investment risk analysis defines as a micro level analysis as the features of the property will be considered in the analysis in this paper.

Keywords: Uncertainty factors, data mining, multidimensional data model, risk analysis.

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7655 Time-Derivative Estimation of Noisy Movie Data using Adaptive Control Theory

Authors: Soon-Hyun Park, Takami Matsuo

Abstract:

This paper presents an adaptive differentiator of sequential data based on the adaptive control theory. The algorithm is applied to detect moving objects by estimating a temporal gradient of sequential data at a specified pixel. We adopt two nonlinear intensity functions to reduce the influence of noises. The derivatives of the nonlinear intensity functions are estimated by an adaptive observer with σ-modification update law.

Keywords: Adaptive estimation, parameter adjustmentlaw, motion detection, temporal gradient, differential filter.

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7654 Transformation of the Business Model in an Occupational Health Care Company Embedded in an Emerging Personal Data Ecosystem: A Case Study in Finland

Authors: Tero Huhtala, Minna Pikkarainen, Saila Saraniemi

Abstract:

Information technology has long been used as an enabler of exchange for goods and services. Services are evolving from generic to personalized, and the reverse use of customer data has been discussed in both academia and industry for the past few years. This article presents the results of an empirical case study in the area of preventive health care services. The primary data were gathered in workshops, in which future personal data-based services were conceptualized by analyzing future scenarios from a business perspective. The aim of this study is to understand business model transformation in emerging personal data ecosystems. The work was done as a case study in the context of occupational healthcare. The results have implications to theory and practice, indicating that adopting personal data management principles requires transformation of the business model, which, if successfully managed, may provide access to more resources, potential to offer better value, and additional customer channels. These advantages correlate with the broadening of the business ecosystem. Expanding the scope of this study to include more actors would improve the validity of the research. The results draw from existing literature and are based on findings from a case study and the economic properties of the healthcare industry in Finland.

Keywords: Ecosystem, business model, personal data, preventive healthcare.

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7653 The Orlicz Space of the Entire Sequence Fuzzy Numbers Defined by Infinite Matrices

Authors: N.Subramanian, C.Murugesan

Abstract:

This paper is devoted to the study of the general properties of Orlicz space of entire sequence of fuzzy numbers by using infinite matrices.

Keywords: Fuzzy numbers, infinite matrix, Orlicz space, entiresequence.

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7652 Cultural Effects on the Performance of Non- Profit and For-Profit Microfinance Institutions

Authors: Patrick M. Stanton, William R. McCumber

Abstract:

Using a large dataset of more than 2,400 individual microfinance institutions (MFIs) from 120 countries from 1999 to 2016, this study finds that nearly half of the international MFIs operate as for-profit institutions. Formal institutions (business regulatory environment, property rights, social protection, and a developed financial sector) impact the likelihood of MFIs being for-profit across countries. Cultural differences across countries (power distance, individualism, masculinity, and indulgence) seem to be a factor in the legal status of the MFI (non-profit or for-profit). MFIs in countries with stronger formal institutions, a greater degree of power distance, and a higher degree of collectivism experience better financial and social performance.

Keywords: Hofstede cultural dimensions, international finance, microfinance institutions, non-profit.

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7651 Beam and Diffuse Solar Energy in Zarqa City

Authors: Ali M. Jawarneh

Abstract:

Beam and diffuse radiation data are extracted analytically from previous measured data on a horizontal surface in Zarqa city. Moreover, radiation data on a tilted surfaces with different slopes have been derived and analyzed. These data are consisting of of beam contribution, diffuse contribution, and ground reflected contribution radiation. Hourly radiation data for horizontal surface possess the highest radiation values on June, and then the values decay as the slope increases and the sharp decreasing happened for vertical surface. The beam radiation on a horizontal surface owns the highest values comparing to diffuse radiation for all days of June. The total daily radiation on the tilted surface decreases with slopes. The beam radiation data also decays with slopes especially for vertical surface. Diffuse radiation slightly decreases with slopes with sharp decreases for vertical surface. The groundreflected radiation grows with slopes especially for vertical surface. It-s clear that in June the highest harvesting of solar energy occurred for horizontal surface, then the harvesting decreases as the slope increases.

Keywords: Beam and Diffuse Radiation, Zarqa City

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