Search results for: Cardiometabolic risk

Authors: Mustafa M. Donma

Abstract:

Metabolic syndrome (MetS) is characterized, in the first instance, by central obesity accompanied by disturbed blood pressure, glucose and certain lipid fractions. Pediatric MetS is the predictor of MetS in adulthood commonly associated with cardiovascular diseases (CVDs). Since MetS is such a complicated health problem, attempts have been made to eliminate this problem. For this, many formulas have been developed. However, most of them require sophisticated mathematical expressions, which make their usage in clinics difficult. Out of the overall complications, the most important problem, which draws attention was the possibility of developing CVDs. Alanine aminotransferase-to-aspartate aminotransferase (ALT/AST) ratio is proven to be linked to cardiometabolic risk. The aim of this study was to introduce the possible association of an easily applicable formula with ALT/AST. The study population was composed of 88 morbid obese (MO) children. The first group was MO group, second group was MetS group. Each group consisted of 44 children. Ethics Committee Approval and Informed Consent Forms were taken. World Health Organization Obesity Criteria and International Diabetes Federation Metabolic Syndrome Criteria were used for the selection of the participants in groups. Blood pressure values were determined. Routine laboratory tests were performed. ALT/AST, homeostatic model assessment for insulin resistance (HOMA-IR), metabolic syndrome insulin resistance index (MetS-IR), diagnostic obesity notation model assessment metabolic syndrome index (DMetSI) were calculated. Statistical evaluation of the data was performed. All indices exhibited increased values in MetS group compared to those calculated for MO group. Increase in the median values for MetS-IR in MetS group was less than two-fold. On the other hand, about a three-fold increase was observed for DMetSI in MetS group in comparison with the value obtained in MO group. Correlation between ALT/AST ratio and DMetSI was stronger than correlation between ALT/AST and MetS-IR. Besides, DMetSI had no sophisticated mathematical expressions in the formula. In conclusion, two indices, MetS-IR and DMetSI, which were found to be much higher in MetS group and associations of both with ALT/AST ratio have indicated their potential as the tools for use in differential diagnosis of MO and MetS. However, much higher association with ALT/AST, both an insulin resistance as well as a cardiometabolic ratio, easily applicable nature of the equation and striking difference between median values of groups suggested that DMetSI showed much higher performance during the selection of MetS cases from MO population of children than the other index.

Keywords: Cardiometabolic risk, childhood, metabolic syndrome, metabolic syndrome index, morbid obesity.

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Authors: Mustafa M. Donma

Abstract:

Thyroid dysfunction is a great health problem frequently observed in obesity. Thyroid stimulating hormone (TSH) governs the complicated network confined to glucose and fat metabolism. The close relations between obesity and the performance of TSH point out future potential health problems related to cardiometabolic risk (CMR) associated with cardiovascular diseases (CVDs) and metabolic syndrome (MetS). These matter particularly in childhood obesity. The aim of this study was to confirm the associations in pediatric age group between TSH and CMR, which may lead to CVDs and MetS in adulthood using the recently introduced cardiac and MetS indices. Three groups, being obese (OB), morbid obese (MO) and MetS, comprise 47, 92 and 36 children, respectively. Informed consent forms were taken from parents or participants. The study protocol was approved by Ethics Committee of the institution. Groups were constituted according to WHO body mass index percentiles tables prepared based upon age and gender. These percentiles for OB and MO groups were defined as between ‘95 and 99’ and ‘above 99’, respectively. Third group had MetS components. Anthropometric measurements and routine laboratory tests were performed. Advanced Donma Cardiac Index (ADCI) and Diagnostic Obesity Notation Model Assessment Metabolic Syndrome Index (DMetSI) were calculated. Statistical analysis was performed. Same concentrations in three groups were obtained for each thyroid hormone; triiodothyronin and thyroxin. TSH level was higher in MO than OB and in MetS than MO group. In MetS group, increased values were obtained for ADCI and DMetSI compared to values calculated for MO group (p < 0.001). In the same group, there were positive correlations between TSH and ADCI as well as DMetSI. Any such correlation was not observed in OB or MO group. The associations found between TSH and two indices, ADCI and DMetSI, in MetS group, but not in OB or MO group, suggested that the consideration of TSH as well as these two indices during the evaluation of children from MetS point of view, may point out the potential CMR and contribute much to the correct diagnosis of the syndrome.

Keywords: Cardiometabolic, metabolic syndrome, obese children, thyroid stimulating hormone.

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Authors: Mustafa M. Donma

Abstract:

The associations among anthropometric measurements, body fat, and cardiometabolic parameters have attracted attention for years due to the importance and topicality of the subject. Gender is also an important factor to be considered during the evaluation of the study findings. Gender is particularly important in the field of pediatrics and during the interpretation of complete blood cell count parameters. These parameters are important because their ratios are being used as valuable and informative markers demonstrating cardiometabolic risk. The aim of this study was to introduce potential differences between male and female children in terms of the associations between these ratios and parameters closely related with obesity development. The study population was composed of 627 children, 58% were females and 42% were males. The body mass index (BMI) distribution of the groups was almost the same. The study was evaluated by the Institutional Ethics Committee and approved. Parents have given informed consent forms in behalf of their children to participate in the study. Anthropometric measurements were taken. Complete blood cell count, biochemical, and body fat percentage analysis were performed. BMI, neutrophil-to-lymphocyte (N/L) ratio, and aspartate aminotransferase-to-platelet count ratio were calculated. Statistical evaluations were performed by a statistical package program. BMI, circumferences of waist, hip, head, and neck values were higher, and body fat percentages of trunk and extremities were lower in males than females (p > 0.05). Increased eosinophil percent and alanine aminotransferase-to-aspartate aminotransferase ratio, decreased N/L ratio values in males were observed. Positive correlations between total body fat percent and N/L ratio in female children, and platelet count in male children were noteworthy. In conclusion, associations of total body fat percent with N/L and platelet count in female children and male children, respectively, point out the importance of N/L and platelet count in different genders for the future development of cardiovascular diseases.

Keywords: Body fat percentages, children, gender, neutrophil-to-lymphocyte ratio, platelet count.

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Authors: K. Sekulová, M. Šimon

Abstract:

This article focuses on upper-extremity musculoskeletal disorders risk assessment model at workplace. In this model are used risk factors that are responsible for musculoskeletal system damage. Based on statistic calculations the model is able to define what risk of MSD threatens workers who are under risk factors. The model is also able to say how MSD risk would decrease if these risk factors are eliminated.

 

Keywords: Ergonomics, musculoskeletal disorders, occupational diseases, risk factors.

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Authors: Mike Climstein, Joe Walsh, John Best, Ian Timothy Heazlewood, Stephen Burke, Jyrki Kettunen, Kent Adams, Mark DeBeliso

Abstract:

Recently, the health of retired National Football League players, particularly lineman has been investigated. A number of studies have reported increased cardiometabolic risk, premature cardiovascular disease and incidence of type 2 diabetes. Rugby union players have somatotypes very similar to National Football League players which suggests that rugby players may have similar health risks. The International Golden Oldies World Rugby Festival (GORF) provided a unique opportunity to investigate the demographics of veteran rugby players. METHODOLOGIES: A cross-sectional, observational study was completed using an online web-based questionnaire that consisted of medical history and physiological measures. Data analysis was completed using a one sample t-test (<50yrs versus >50yrs) and Chi-square test. RESULTS: A total of 216 veteran rugby competitors (response rate = 6.8%) representing 10 countries, aged 35-72 yrs (mean 51.2, S.D. ±8.0), participated in the online survey. As a group, the incidence of current smokers was low at 8.8% (avg 72.4 cigs/wk) whilst the percentage consuming alcohol was high (93.1% (avg 11.2 drinks/wk). Competitors reported the following top six chronic diseases/disorders; hypertension (18.6%), arthritis (OA/RA, 11.5%), asthma (9.3%), hyperlipidemia (8.2%), diabetes (all types, 7.5%) and gout (6%), there were significant differences between groups with regard to cancer (all types) and migraines. When compared to the Australian general population (Australian Bureau of Statistics data, n=18,000), GORF competitors had a significantly lower incidence of anxiety (p<0.01), arthritis (p<0.06), depression (p<.01) however, a significantly higher incidence of diabetes (p<0.03) and hypertension (p<0.01). The GORF competitors also reported taking the following prescribed medications; antihypertensive (13%), hypolipidemics (8%), non-steroidal anti-inflammatory (6%), and anticoagulants (4%). Significant differences between groups were observed in antihypertensives, anticoagulants and hypolipidemics. There were significant (p<0.05) differences between groups (<50yrs versus >50yrs) with regard to height (180 vs 177cm), weight (97.6 vs 93.1Kg-s), BMI (30 vs 29.7kg/m2) and waist circumference (85.7 vs 93.1cm) however, there were no differences in subsequent parameters of systolic blood pressure, diastolic blood pressure, total cholesterol, HDL-C, LDL-C, triglycerides-C or fasting plasma glucose. CONCLUSIONS: This represents the first collection of demographics on this cohort. GORF participants demonstrated increased cardiometabolic risk with regard to the incidence of hypercholesterolemia, hypertension and type 2 diabetes. Preventative strategies should be developed to reduce this risk with education of these risks for future participants.

Keywords: Masters athlete, rugby union, risk factors, chronic disease

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Authors: M. N. Huda, S. Yamada, N. Sonehara

Abstract:

Probability-based identity disclosure risk measurement may give the same overall risk for different anonymization strategy of the same dataset. Some entities in the anonymous dataset may have higher identification risks than the others. Individuals are more concerned about higher risks than the average and are more interested to know if they have a possibility of being under higher risk. A notation of overall risk in the above measurement method doesn-t indicate whether some of the involved entities have higher identity disclosure risk than the others. In this paper, we have introduced an identity disclosure risk measurement method that not only implies overall risk, but also indicates whether some of the members have higher risk than the others. The proposed method quantifies the overall risk based on the individual risk values, the percentage of the records that have a risk value higher than the average and how larger the higher risk values are compared to the average. We have analyzed the disclosure risks for different disclosure control techniques applied to original microdata and present the results.

Keywords: Anonymization, microdata, disclosure risk, privacy.

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Authors: Chun-guang Pan, Ying-wu Chen

Abstract:

Risk response planning is of importance for software project risk management (SPRM). In CMMI, risk management was in the third capability maturity level, which provides a framework for software project risk identification, assessment, risk planning, risk control. However, the CMMI-based SPRM currently lacks quantitative supporting tools, especially during the process of implementing software project risk planning. In this paper, an economic optimization model for selecting risk reduction actions in the phase of software project risk response planning is presented. Furthermore, an example taken from a Chinese software industry is illustrated to verify the application of this method. The research provides a risk decision method for project risk managers that can be used in the implementation of CMMI-based SPRM.

Keywords: Software project, risk management, CMMI, riskresponse planning.

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Authors: Masood Uzzafer

Abstract:

A dynamic risk management framework for software projects is presented. Currently available software risk management frameworks and risk assessment models are static in nature and lacks feedback capability. Such risk management frameworks are not capable of providing the risk assessment of futuristic changes in risk events. A dynamic risk management framework for software project is needed that provides futuristic assessment of risk events.

Keywords: Software Risk Management, Dynamic Models, Software Project Managment.

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Authors: Hooman Hoodat, Hassan Rashidi

Abstract:

Despite various methods that exist in software risk management, software projects have a high rate of failure. When complexity and size of the projects are increased, managing software development becomes more difficult. In these projects the need for more analysis and risk assessment is vital. In this paper, a classification for software risks is specified. Then relations between these risks using risk tree structure are presented. Analysis and assessment of these risks are done using probabilistic calculations. This analysis helps qualitative and quantitative assessment of risk of failure. Moreover it can help software risk management process. This classification and risk tree structure can apply to some software tools.

Keywords: Risk analysis, risk assessment, risk classification, risk tree.

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Authors: Mustafa M. Donma

Abstract:

Fat mass/percentage is a valuable parameter commonly used in obesity studies. Muscle mass, a component of lean body mass, is negatively associated with the degree of obesity. These features make body’s fat mass-to-skeletal muscle mass ratio is a strong anthropometric marker, providing information about two opposing body compartments. Combing this ratio with the alanine aminotransferase-to-aspartate aminotransferase (ALT/AST) ratio may offer meaningful insights during the evaluation of morbid obese children, both from a cardiometabolic risk perspective and regarding their tendency towards MetS development. The aim of this study was to determine the possible involvement of fat-to-muscle ratio (FMR) as a predictor in studies aimed at preventing the development of MetS in children with morbid obesity. 132 children, comprising children with normal body mass index (N-BMI) (n = 35) and morbid obesity (n = 97), participated in the study. Institutional Ethical Committee approval as well as informed consent forms were taken. World Health Organization tables were used for the constitution of two groups. None of the participants had MetS findings. Anthropometric measurements, blood pressure measurements, biochemical analysis, bioelectrical impedance analysis were performed. Within this context, body weight, height, waist/hip/head/neck circumferences, systolic (SBP) and diastolic (DBP) blood pressures, alanine transaminase (ALT), aspartate transaminase (AST), insulin, fasting blood glucose, triglycerides, high density lipoprotein cholesterol, as well as fat and muscle percentages were determined. FMR, body mass index, ALT/AST ratio, and advanced diagnostic obesity notation model assessment cardiac index (ADCI) were calculated. Statistical analysis was performed using SPSS software. There were twofold increases for FMRs obtained from total, trunk, and upper and lower extremities in the MO group compared to the values given for children with N-BMI. A significant performance difference was observed between the ALT/AST ratio and ADCI. In the MO group, twice and five times the values were obtained for the ALT/AST ratio and ADCI, respectively, in comparison to the values found for the N-BMI group. Positive correlations were calculated between total FMR and SBP, DBP as well as ADCI. In conclusion, these findings may signify the possible danger of future MetS and cardiovascular diseases in children with morbid obesity.

Keywords: Cardiac index, diastolic blood pressure, metabolic syndrome, morbid obese children, systolic blood pressure.

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Authors: K. Sekulová, M. Šimon

Abstract:

The article demonstrates on a case study how it is possible to identify MSD risk. It is based on a dissertation Risk identification model of occupational diseases formation in relation to the work activity that determines what risk can endanger workers who are exposed to the specific risk factors. It is evaluated based on statistical calculations. These risk factors are main cause of upperextremities musculoskeletal disorders.

Keywords: Case study, upper-extremity musculoskeletal disorders, ergonomics.

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Authors: Milan Rippel, Pert Teplý

Abstract:

Operational risk has become one of the most discussed topics in the financial industry in the recent years. The reasons for this attention can be attributed to higher investments in information systems and technology, the increasing wave of mergers and acquisitions and emergence of new financial instruments. In addition, the New Basel Capital Accord (known as Basel II) demands a capital requirement for operational risk and further motivates financial institutions to more precisely measure and manage this type of risk. The aim of this paper is to shed light on main characteristics of operational risk management and common applied methods: scenario analysis, key risk indicators, risk control self assessment and loss distribution approach.

Keywords: Operational risk, economic capital, key risk indicators, loss distribution approach.

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Authors: Juan P. Zamora, Wilson Adarme, Laura Palacios

Abstract:

This paper shows a traceability framework for supply risk monitoring, beginning with the identification, analysis, and evaluation of the supply chain risk and focusing on the supply operations of the Health Care Institutions with oncology services in Bogota, Colombia. It includes a brief presentation of the state of the art of the Supply Chain Risk Management and traceability systems in logistics operations, and it concludes with the methodology to integrate the SCRM model with the traceability system.

Keywords: Supply risk, risk monitoring, supply chain risk management, cancer drugs, traceability systems.

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Authors: Masood Uzzafer

Abstract:

A dynamic software risk assessment model is presented. Analogies between dynamic financial analysis and software risk assessment models are established and based on these analogies it suggested that dynamic risk model for software projects is the way to move forward for the risk assessment of software project. It is shown how software risk assessment change during different phases of a software project and hence requires a dynamic risk assessment model to capture these variations. Further evolution of dynamic financial analysis models is discussed and mapped to the evolution of software risk assessment models.

Keywords: Software Risk Assessment, Software ProjectManagement, Software Cost, Dynamic Modeling.

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Authors: Jolanta Tamošaitienė

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The article focuses on a developed comprehensive model to be used in an agile environment for the risk assessment and selection based on multi-attribute methods. The model is based on a multi-attribute evaluation of risk in construction, and the determination of their optimality criterion values are calculated using complex Multiple Criteria Decision-Making methods. The model may be further applied to risk assessment in an agile construction environment. The attributes of risk in a construction project are selected by applying the risk assessment condition to the construction sector, and the construction process efficiency in the construction industry accounts for the agile environment. The paper presents the comprehensive risk assessment model in an agile construction environment. It provides a background and a description of the proposed model and the developed analysis of the comprehensive risk assessment model in an agile construction environment with the criteria.

Keywords: Assessment, environment, agile, model, risk.

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Authors: Isa Nakhai Kamal Abadi, Esmaeel Saberi, Ehsan Mirjafari

Abstract:

While financial institutions have faced difficulties over the years for a multitude of reasons, the major cause of serious banking problems continues to be directly related to lax credit standards for borrowers and counterparties, poor portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to a deterioration in the credit standing of a bank's counterparties. Credit risk is most simply defined as the potential that a bank borrower or counterparty will fail to meet its obligations in accordance with agreed terms. The goal of credit risk management is to maximize a bank's risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credits or transactions. Banks should also consider the relationships between credit risk and other risks. The effective management of credit risk is a critical component of a comprehensive approach to risk management and essential to the long-term success of any banking organization. In this research we also study the relationship between credit risk indices and borrower-s timely payback in Karafarin bank.

Keywords: Financial Ratios; Spearman Test; Bank OperationsRisk

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Authors: Michael Todinov, Eberechi Weli

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The paper suggests for the first time the use of dynamic programming techniques for optimal risk reduction in the railway industry. It is shown that by using the concept ‘amount of removed risk by a risk reduction option’, the problem related to optimal allocation of a fixed budget to achieve a maximum risk reduction in the railway industry can be reduced to an optimisation problem from dynamic programming. For n risk reduction options and size of the available risk reduction budget B (expressed as integer number), the worst-case running time of the proposed algorithm is O (n x (B+1)), which makes the proposed method a very efficient tool for solving the optimal risk reduction problem in the railway industry. 

Keywords: Optimisation, railway risk reduction, budget constraints, dynamic programming.

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Authors: Saadia Drissi, Siham Benhadou, Hicham Medromi

Abstract:

The cloud computing is an innovative paradigm that introduces several changes in technology that have resulted a new ways for cloud providers to deliver their services to cloud consumers mainly in term of security risk assessment, thus, adapting a current risk assessment tools to cloud computing is a very difficult task due to its several characteristics that challenge the effectiveness of risk assessment approaches. As consequence, there is a need of risk assessment model adapted to cloud computing. This paper requires a new risk assessment model based on multi-agent system and AHP model as fundamental steps towards the development of flexible risk assessment approach regarding cloud consumers.

Keywords: Cloud computing, risk assessment model, multi-agent system, AHP model, cloud consumer.

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Authors: Tru C. Le, France Cheong

Abstract:

Although the Vietnamese catfish farming has grown at very high rates in recent years, the industry has also faced many problems affecting its sustainability. This paper studies the perceptions of catfish farmers regarding risk and risk management strategies in their production activities. Specifically, the study aims to measure the consequences, likelihoods, and levels of risks as well as the efficacy of risk management in Vietnamese catfish farming. Data for the study were collected through a sample of 261 catfish farmers in the Mekong Delta, Vietnam using a questionnaire survey in 2008. Results show that, in general, price and production risks were perceived as the most important risks. Farm management and technical measures were perceived more effective than other kinds of risk management strategies in risk reduction. Although price risks were rated as important risks, price risk management strategies were not perceived as important measures for risk mitigation. The results of the study are discussed to provide implications for various industry stakeholders, including policy makers, processors, advisors, and developers of new risk management strategies.

Keywords: Aquaculture, catfish farming, sources of risk, riskmanagement, risk strategies, risk mitigation.

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Authors: Olaniyi O. Omoyajowo

Abstract:

To be successful in today’s competitive global environment, manufacturing industry must be able to respond quickly to changes in technology. These changes in technology introduce new risks and hazards. The management of risk/hazard in a manufacturing process recommends method through which the success rate of an organization can be increased. Thus, there is a continual need for manufacturing industries to invest significant amount of resources in risk management, which in turn optimizes the production output and profitability of any manufacturing industry (if implemented properly). To help improve the existing risk prevention and mitigation practices in Small and Medium Enterprise (SME) in Nigeria Manufacturing Industries (NMI), the researcher embarks on this research to develop a systematic Risk Management process.

Keywords: Manufacturing industries, production output, risk, risk management, SMEs.

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Authors: Kristýna Pokorná, Petr Teplý

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This paper focuses on sovereign credit risk meaning a hot topic related to the current Eurozone crisis. In the light of the recent financial crisis, market perception of the creditworthiness of individual sovereigns has changed significantly. Before the outbreak of the financial crisis, market participants did not differentiate between credit risk born by individual states despite different levels of public indebtedness. In the proceeding of the financial crisis, the market participants became aware of the worsening fiscal situation in the European countries and started to discriminate among government issuers. Concerns about the increasing sovereign risk were reflected in surging sovereign risk premium. The main of this paper is to shed light on the characteristics of the sovereign risk with the special attention paid to the mutual relation between credit spread and the CDS premium as the main measures of the sovereign risk premium.

Keywords: cointegration, credit default swap, credit risk, credit spread, sovereign risk

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Authors: Ümit Morsünbül

Abstract:

Attachment theory focuses on the bond that develops between child and caretaker and the consequences that this bond has on the childs future relationships. Adolescents attempt to define their identity by experiencing various risky behaviors. The first aim of the study was whether risk taking behavior differs according to attachment styles. The second was to examine risk taking behavior differences according to gender. The third aim of this study was to examine attachment X gender interaction effect for risk taking behavior. And final was to investigate attachment styles differences according to gender. Data were collected from 218 participants (114 female and 104 male) who are university students. The results of this study showed that attachment styles differentiated by risk taking behavior and males had higher risk taking score than females. It was also found out that there was significant attachment X gender interaction effect for risk taking behavior. And finally, the results showed that attachment styles differentiated according to gender.KeywordsAttachment style, risk taking

Keywords: Attachment style, risk taking

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Authors: Berrin Şentürk

Abstract:

In this study, due to the recurrence of bovine tuberculosis, in the same areas, the risk factors for the disease were determined and evaluated at the local level. This study was carried out in 32 farms where the disease was detected in the district and center of Samsun province in 2014. Predetermined risk factors, such as farm, environmental and economic risks, were investigated with the survey method. It was predetermined that risks in the three groups are similar to the risk variables of the disease on the global scale. These risk factors that increase the susceptibility of the infection must be understood by the herd owners. The risk-based contagious disease management system approach should be applied for bovine tuberculosis by farmers, animal health professionals and public and private sector decision makers.

Keywords: Bovine tuberculosis, disease management, control, outbreak, risk analysis.

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Authors: Ali Hajiha, Farhad Ghaffari, Nooshin Gholamali Tehrani

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This study aims at investigating the empirical relationships between risk preference, internet preference, and internet knowledge which are known as user characteristics, in addition to perceived risk of the customers on the internet purchase intention. In order to test the relationships between the variables of model 174, a questionnaire was collected from the students with previous online experience. For the purpose of data analysis, confirmatory factor analysis (CFA) and structural equation model (SEM) was used. Test results show that the perceived risk affects the internet purchase intention, and increase or decrease of perceived risk influences the purchase intention when the customer does the internet shopping. Other factors such as internet preference, knowledge of the internet, and risk preference affect the internet purchase intention.

Keywords: Perceived risk, Internet preference, Internetknowledge, Risk preference, Internet purchase intention

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Authors: Petr Teply

Abstract:

Liquidity risk management ranks to key concepts applied in finance. Liquidity is defined as a capacity to obtain funding when needed, while liquidity risk means as a threat to this capacity to generate cash at fair costs. In the paper we present challenges of liquidity risk management resulting from the 2007- 2009 global financial upheaval. We see five main regulatory liquidity risk management issues requiring revision in coming years: liquidity measurement, intra-day and intra-group liquidity management, contingency planning and liquidity buffers, liquidity systems, controls and governance, and finally models testing the viability of business liquidity models.

Keywords: liquidity, risk management, regulation, global crisis

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Authors: Esad Kadušić, Petar Bojović, Amela Žgalj

Abstract:

Mobile banking services present a unique growth opportunity for mobile operators in emerging markets, and have already made good progress in bringing financial services to the previously unbanked populations of many developing countries. The potential is amazing, but what about the risks? In the complex process of establishing a mobile banking business model, many kinds of risks and factors need to be monitored and well-managed. Risk identification is the first stage of risk management. Correct risk identification ensures risk management effectiveness. Keeping the risks low makes it possible to use the full potential of mobile banking and carry out the planned business strategy. The focus should be on adoption of consumers which is the main risk factor of mobile banking services.

Keywords: Consumer Adoption, Mobile Banking, Risk

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Authors: Thamer Al-Rousan, Shahida Sulaiman, Rosalina Abdul Salam

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Risk management is an essential fraction of project management, which plays a significant role in project success. Many failures associated with Web projects are the consequences of poor awareness of the risks involved and lack of process models that can serve as a guideline for the development of Web based applications. To circumvent this problem, contemporary process models have been devised for the development of conventional software. This paper introduces the WPRiMA (Web Project Risk Management Assessment) as the tool, which is used to implement RIAP, the risk identification architecture pattern model, which focuses upon the data from the proprietor-s and vendor-s perspectives. The paper also illustrates how WPRiMA tool works and how it can be used to calculate the risk level for a given Web project, to generate recommendations in order to facilitate risk avoidance in a project, and to improve the prospects of early risk management.

Keywords: Architecture pattern model, risk factors, risk identification, web project, web project risk management assessment.

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Authors: J. Grira, Y. Bédard, S. Roche

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The aim of this research is to design a collaborative framework that integrates risk analysis activities into the geospatial database design (GDD) process. Risk analysis is rarely undertaken iteratively as part of the present GDD methods in conformance to requirement engineering (RE) guidelines and risk standards. Accordingly, when risk analysis is performed during the GDD, some foreseeable risks may be overlooked and not reach the output specifications especially when user intentions are not systematically collected. This may lead to ill-defined requirements and ultimately in higher risks of geospatial data misuse. The adopted approach consists of 1) reviewing risk analysis process within the scope of RE and GDD, 2) analyzing the challenges of risk analysis within the context of GDD, and 3) presenting the components of a risk-based collaborative framework that improves the collection of the intended/forbidden usages of the data and helps geo-IT experts to discover implicit requirements and risks.

Keywords: Collaborative risk analysis, intention of use, Geospatial database design, Geospatial data misuse.

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Authors: Janusz K. Grabara, Bartłomiej Okwiet, Sebastian Kot

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The purpose of the article is presentation and analysis of the aspect of job security in small and medium-size enterprises in Poland with reference to other EU countries. We show the theoretical aspects of the risk with reference to managing small and medium enterprises, next risk management in small and medium enterprises in Poland, which were subjected to a detailed analysis. We show in detail the risk associated with the operation of the mentioned above companies, as well as analyses its levels on various stages and for different kinds of conducted activity.

Keywords: Job safety, small and medium-size companies, SME, work risk, risk management.

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Authors: Lenka Jesonkova, Frantisek Bozek

Abstract:

Trihalogenmethanes (THMs) are disinfection byproducts with non-carcinogenic and genotoxic effects. The contamination of 6 sites close to the water treatment plant has been monitored in second largest city of the Czech Republic. Health risk assessment including both non-carcinogenic and genotoxic risk for long term exposition was realized using the critical concentrations. Concentrations of trihalogenmethanes met national standards in all samples. Risk assessment proved that health risks from trihalogenmethanes are acceptable on each site.

Keywords: Drinking water, health risk assessment, trihalogenmethanes, water pollution.

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