Search results for: mutual guarantee institutions.

Authors: M. C. Arcuri, L. Gai, F. Ielasi

Abstract:

Italian Central Guarantee Fund (CGF) has the purpose to facilitate Small and Medium-sized Enterprises (SMEs)’ access to credit. The aim of the paper is to study the evaluation method adopted by the CGF with regard to SMEs requiring its intervention. This is even more important in the light of the recent CGF reform. We analyse an initial sample of more than 500.000 guarantees from 2012 to 2018. We distinguish between a counter-guarantee delivered to a mutual guarantee institution and a guarantee directly delivered to a bank. We investigate the impact of variables related to the operations and the SMEs on Altman Z’’-score and the score consistent with CGF methodology. We verify that the type of intervention affects the scores and the initial condition changes with the new assessment criterions. 

Keywords: Banks, default risk, Italian Guarantee Fund, mutual guarantee institutions.

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Authors: Simeon Karafolas, Maciej Woźniak

Abstract:

Guarantee schemes have been introduced in the economic and financial system as response to difficulties of SMEs for the access to the banking credit. Guarantee companies first appeared at the 19e century. Last wave of the development of those schemes appeared at the decade of 1990’s in particular to the new countries members of the EU. Guarantee schemes are presented as public owned guarantee companies, private ones mainly through a mutual form, but also under a mixed form. The paper based on guarantee schemes of five countries tries to investigate the differences that can exist within different guarantee companies. This investigation is based on some indicators that are time of response to the demand of guarantee, threshold of guarantee, acceptance of applications for guarantee, jobs created or saved and bureaucratic issues. It appears that guarantee companies have not the same reaction to the demand of SMEs and some of them are much more active.

Keywords: DIFASS, Guarantees, Loans.

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Authors: Rute Abreu, Fátima David, Liliane Cristina Segura

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The Deposit Guarantee Fund (DGF) and its communication with the Society, in general, and with the deposit client of Financial Institutions, in particular, is discussed through the challenges of the accounting and financial report. The Bank of Portugal promotes the Portuguese Deposit Guarantee Fund (PDGF) as a financial institution that enhanced the market confidence and stability on the deposit-insurance system. Due to the nature of their functions, it must be subject to regulation and supervision that provides a first line of defense against adversely affect confidence on the Portuguese financial market. First, this research provides evidence of the effectiveness of the protection mechanisms on the deposit insurance system, which provides high and equal protection to all stakeholders. Second, it emphasizes the need of requirements of rigorous accounting process and effective financial report to reduce the moral hazard implications. Third, this research focuses on the need of total disclosure of the financial information which gives higher transparency and protection to deposit client of financial institutions.

Keywords: Deposit Guarantee Fund, Portugal, Accounting, Financial Report.

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Authors: S. Dehghan, A.M. Rahmani

Abstract:

The group mutual exclusion (GME) problem is an interesting generalization of the mutual exclusion problem. In the group mutual exclusion, multiple processes can enter a critical section simultaneously if they belong to the same group. In the extended group mutual exclusion, each process is a member of multiple groups at the same time. As a result, after the process by selecting a group enter critical section, other processes can select the same group with its belonging group and can enter critical section at the moment, so that it avoids their unnecessary blocking. This paper presents a quorum-based distributed algorithm for the extended group mutual exclusion problem. The message complexity of our algorithm is O(4Q ) in the best case and O(5Q) in the worst case, where Q is a quorum size.

Keywords: Group Mutual Exclusion (GME), Extended GME, Distributed systems.

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Authors: Sayani Sil, Sukanta Das

Abstract:

This paper reports a distributed mutual exclusion algorithm for mobile Ad-hoc networks. The network is clustered hierarchically. The proposed algorithm considers the clustered network as a logical tree and develops a token passing scheme to get the mutual exclusion. The performance analysis and simulation results show that its message requirement is optimal, and thus the algorithm is energy efficient.

Keywords: Critical section, Distributed mutual exclusion, MobileAd-hoc network, Token-based algorithms.

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Authors: Kai Wang, Yanling Zu

Abstract:

By utilizing the comparison theorem and Lyapunov second method, some sufficient conditions for the permanence and global attractivity of positive periodic solution for a predator-prey model with mutual interference m ∈ (0, 1) and delays τi are obtained. It is the first time that such a model is considered with delays. The significant is that the results presented are related to the delays and the mutual interference constant m. Several examples are illustrated to verify the feasibility of the results by simulation in the last part.

Keywords: Predator-prey model, Mutual interference, Delays, Permanence, Global attractivity

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Authors: S. Al-Sowayan

Abstract:

Rogowski coils are increasingly used for measurement of AC and transient electric currents. Mostly used Rogowski coils now are with circular or rectangular cores. In order to increase the sensitivity of the measurement of Rogowski coil and perform smooth wire winding, this paper studies the effect of increasing the mutual inductance in order to increase the coil sensitivity by presenting the calculation and simulation of a Rogowski coil with equilateral hexagonal shaped core and comparing the resulted mutual inductance with commonly used core shapes.

Keywords: Rogowski coil, Mutual inductance, magnetic flux density.

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Authors: Neelima Gupta, Seema Aggarwal

Abstract:

Most of the biclustering/projected clustering algorithms are based either on the Euclidean distance or correlation coefficient which capture only linear relationships. However, in many applications, like gene expression data and word-document data, non linear relationships may exist between the objects. Mutual Information between two variables provides a more general criterion to investigate dependencies amongst variables. In this paper, we improve upon our previous algorithm that uses mutual information for biclustering in terms of computation time and also the type of clusters identified. The algorithm is able to find biclusters with mixed relationships and is faster than the previous one. To the best of our knowledge, none of the other existing algorithms for biclustering have used mutual information as a similarity measure. We present the experimental results on synthetic data as well as on the yeast expression data. Biclusters on the yeast data were found to be biologically and statistically significant using GO Tool Box and FuncAssociate.

Keywords: Biclustering, mutual information.

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Authors: Abhishek Swaroop, Awadhesh Kumar Singh

Abstract:

The group mutual exclusion (GME) problem is a variant of the mutual exclusion problem. In the present paper a token-based group mutual exclusion algorithm, capable of handling transient faults, is proposed. The algorithm uses the concept of dynamic request sets. A time out mechanism is used to detect the token loss; also, a distributed scheme is used to regenerate the token. The worst case message complexity of the algorithm is n+1. The maximum concurrency and forum switch complexity of the algorithm are n and min (n, m) respectively, where n is the number of processes and m is the number of groups. The algorithm also satisfies another desirable property called smooth admission. The scheme can also be adapted to handle the extended group mutual exclusion problem.

Keywords: Dynamic request sets, Fault tolerance, Smoothadmission, Transient faults.

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Authors: Awadhesh Kumar Singh

Abstract:

Jayanti-s algorithm is one of the best known abortable mutual exclusion algorithms. This work is an attempt to overcome an already known limitation of the algorithm while preserving its all important properties and elegance. The limitation is that the token number used to assign process identification number to new incoming processes is unbounded. We have used a suitably adapted alternative data structure, in order to completely eliminate the use of token number, in the algorithm.

Keywords: Abortable, deterministic, local spin, mutual exclusion.

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Authors: Anna Rogozińska-Pawełczyk

Abstract:

A psychological contract is an agreement between the employer and an employee that covers the parties’ informal and frequently non-verbalized obligations and expectations towards each other. The contract is a cognitive pattern-governing employee’s behaviour in the organization. A gap between employee’s expectations and the organizational reality may lead to difficult-to-solve conflicts or cause the employee to modify their behaviour towards organizational values and goals, if they are willing and ready to verbalize their expectations. The article discusses psychological contracts in the financial institutions in Poland. Its theoretical part outlines the types of psychological contracts in organizations (relational, transactional, and balanced) and shows the process of their verbalization. The purpose of the article is to present how the type of the psychological contract relates to employee’s readiness to verbalize it. The article ends with conclusions arising from the study.

Keywords: Customer contact staff in banks, employee expectations, financial institutions, mutual expectations, psychological contract, verbalization of the psychological contract.

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Authors: Md. Sohidul Islam, Mohammad Rakibul Islam

Abstract:

In this paper, we consider a non-identically independently distributed (non-i.i.d.) Hoyt fading single-input multiple-out put (SIMO) channel, where the transmitter sends some confidential information to the legitimate receiver in presence of an eavesdropper. We formulated the probability of non-zero secrecy mutual information; secure outage probability and average secrecy mutual information (SMI) for the SIMO wireless communication system. The calculation has been carried out using small limit argument approximation (SLAA) on zeroth-order modified Bessel function of first kind. In our proposed model, an eavesdropper observes transmissions of information through another Hoyt fading channel. First, we derived the analytical expression for non-zero secrecy mutual information. Then, we find the secure outage probability to investigate the outage behavior of the proposed model. Finally, we find the average secrecy mutual information. We consider that the channel state information (CSI) is known to legitimate receiver.

Keywords: Hoyt fading, main channel, eavesdropper channel, secure outage probability, average secrecy mutual information.

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Authors: Huda Algharib, Amal Algharib, Hanan Algharib, Ali Mohammad Alqudah

Abstract:

Image registration is an important topic for many imaging systems and computer vision applications. The standard image registration techniques such as Mutual information/ Normalized mutual information -based methods have a limited performance because they do not consider the spatial information or the relationships between the neighbouring pixels or voxels. In addition, the amount of image noise may significantly affect the registration accuracy. Therefore, this paper proposes an efficient method that explicitly considers the relationships between the adjacent pixels, where the gradient information of the reference and scene images is extracted first, and then the cosine similarity of the extracted gradient information is computed and used to improve the accuracy of the standard normalized mutual information measure. Our experimental results on different data types (i.e. CT, MRI and thermal images) show that the proposed method outperforms a number of image registration techniques in terms of the accuracy.

Keywords: Image registration, mutual information, image gradients, Image transformations.

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Authors: Haruo Okabayashi

Abstract:

The mutual understanding in conversation is very important for human relations. This study investigates the mental function of the formation of mutual understanding between two people in conversation using the embodied approach. Forty people participated in this study. They are divided into pairs randomly. Four conversation situations between two (make/listen to fun or pleasant talk, make/listen to regrettable talk) are set for four minutes each, and the finger plethysmogram (200 Hz) of each participant is measured. As a result, the attractors of the participants who reported “I did not understand my partner” show the collapsed shape, which means the fluctuation of their rhythm is too small to match their partner’s rhythm, and their cross correlation is low. The autonomic balance of both persons tends to resonate during conversation, and both LLEs tend to resonate, too. In human history, in order for human beings as weak mammals to live, they may have been with others; that is, they have brought about resonating characteristics, which is called self-organization. However, the resonant feature sometimes collapses, depending on the lifestyle that the person was formed by himself after birth. It is difficult for people who do not have a lifestyle of mutual gaze to resonate their biological signal waves with others’. These people have features such as anxiety, fatigue, and confusion tendency. Mutual understanding is thought to be formed as a result of cooperation between the features of self-organization of the persons who are talking and the lifestyle indicated by mutual gaze. Such an entanglement phenomenon is called a nonlinear relation. By this research, it is found that the formation of mutual understanding is expressed by the rhythm of a biological signal showing a nonlinear relationship.

Keywords: Embodied approach, finger plethysmogram, mutual understanding, nonlinear phenomenon.

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Authors: Abhishek Swaroop, Awadhesh Kumar Singh

Abstract:

The group mutual exclusion (GME) problem is an interesting generalization of the mutual exclusion problem. Several solutions of the GME problem have been proposed for message passing distributed systems. However, none of these solutions is suitable for real time distributed systems. In this paper, we propose a token-based distributed algorithms for the GME problem in soft real time distributed systems. The algorithm uses the concepts of priority queue, dynamic request set and the process state. The algorithm uses first come first serve approach in selecting the next session type between the same priority levels and satisfies the concurrent occupancy property. The algorithm allows all n processors to be inside their CS provided they request for the same session. The performance analysis and correctness proof of the algorithm has also been included in the paper.

Keywords: Concurrency, Group mutual exclusion, Priority, Request set, Token.

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Authors: S. Banerjee

Abstract:

The paper describes design of an ontology in the financial domain for mutual funds. The design of this ontology consists of four steps, namely, specification, knowledge acquisition, implementation and semantic query. Specification includes a description of the taxonomy and different types mutual funds and their scope. Knowledge acquisition involves the information extraction from heterogeneous resources. Implementation describes the conceptualization and encoding of this data. Finally, semantic query permits complex queries to integrated data, mapping of these database entities to ontological concepts.

Keywords: Ontology, Semantic Web, Mutual Funds.

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Authors: Songyi Kim, Kwangwoo Lee, Seungjoo Kim, Dongho Won

Abstract:

RFID (Radio Frequency IDentification) system has been widely used in our life, such as transport systems, passports, automotive, animal tracking, human implants, library, and so on. However, the RFID authentication protocols between RF (Radio Frequency) tags and the RF readers have been bring about various privacy problems that anonymity of the tags, tracking, eavesdropping, and so on. Many researchers have proposed the solution of the problems. However, they still have the problem, such as location privacy, mutual authentication. In this paper, we show the problems of the previous protocols, and then we propose a more secure and efficient RFID authentication protocol.

Keywords: RFID, mutual authentication, serverless, anonymity.

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Authors: V Krishnaveni, S Jayaraman, K Ramadoss

Abstract:

The electrical potentials generated during eye movements and blinks are one of the main sources of artifacts in Electroencephalogram (EEG) recording and can propagate much across the scalp, masking and distorting brain signals. In recent times, signal separation algorithms are used widely for removing artifacts from the observed EEG data. In this paper, a recently introduced signal separation algorithm Mutual Information based Least dependent Component Analysis (MILCA) is employed to separate ocular artifacts from EEG. The aim of MILCA is to minimize the Mutual Information (MI) between the independent components (estimated sources) under a pure rotation. Performance of this algorithm is compared with eleven popular algorithms (Infomax, Extended Infomax, Fast ICA, SOBI, TDSEP, JADE, OGWE, MS-ICA, SHIBBS, Kernel-ICA, and RADICAL) for the actual independence and uniqueness of the estimated source components obtained for different sets of EEG data with ocular artifacts by using a reliable MI Estimator. Results show that MILCA is best in separating the ocular artifacts and EEG and is recommended for further analysis.

Keywords: Electroencephalogram, Ocular Artifacts (OA), Independent Component Analysis (ICA), Mutual Information (MI), Mutual Information based Least dependent Component Analysis(MILCA)

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Authors: Nancy Jennings, Chris Collins

Abstract:

Educational institutions are increasingly exploring the affordances of 3D virtual worlds for instruction and research, but few studies have been done to document current practices and uses of this emerging technology. This observational survey examines the virtual presences of 170 accredited educational institutions found in one such 3D virtual world called Second Life®, created by San- Francisco based Linden Lab®. The study focuses on what educational institutions look like in this virtual environment, the types of spaces educational institutions are creating or simulating, and what types of activities are being conducted.

Keywords: educational technology, emerging technology, metaverse, Second Life, virtual worlds

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Authors: Aline Alves Bandeira, Maria Cecília de Paula Silva

Abstract:

The existing legal gap regarding thes treatment and final disposal of industrial effluents in Brazil promotes legal uncertainty. The government has not structured itself to guarantee environmental protection. The current legal system and public policies must guarantee the protection of bodies of water and an effective treatment of industrial effluents. This is because economic progress, eco-efficiency and industrial ecology are inseparable. The lack of protection for the water bodies weakens environmental protection, with abuses by companies that do not give due treatment to their effluents, or fail to present the water balance of their factories. It is considered necessary to enact a specific law on industrial effluents related to a National Industrial Effluent Policy, because it is the location of the largest Integrated Industrial Complex in the Southern Hemisphere. The regulation of this subject cannot be limited by decrees of the local Executive Branch, allowing the inspection of the industrial activity or enterprise to be affected fundamentally by environmental self-control, or by private institutions.

Keywords: Effluent policy, environmental law, environmental management, industrial effluents.

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Authors: Young-Seok Choi

Abstract:

This work assesses the cortical and the sub-cortical neural activity recorded from rodents using entropy and mutual information based approaches to study how hypothermia affects neural activity. By applying the multi-scale entropy and Shannon entropy, we quantify the degree of the regularity embedded in the cortical and sub-cortical neurons and characterize the dependency of entropy of these regions on temperature. We study also the degree of the mutual information on thalamocortical pathway depending on temperature. The latter is most likely an indicator of coupling between these highly connected structures in response to temperature manipulation leading to arousal after global cerebral ischemia.

Keywords: Spiking activity, entropy, mutual information, temperature modulation.

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Authors: M. Anidha, K. Premalatha

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Feature Selection is significant in order to perform constructive classification in the area of cancer diagnosis. However, a large number of features compared to the number of samples makes the task of classification computationally very hard and prone to errors in microarray gene expression datasets. In this paper, we present an innovative method for selecting highly informative gene subsets of gene expression data that effectively classifies the cancer data into tumorous and non-tumorous. The hybrid gene selection technique comprises of combined Mutual Information and Fisher score to select informative genes. The gene selection is validated by classification using Support Vector Machine (SVM) which is a supervised learning algorithm capable of solving complex classification problems. The results obtained from improved Mutual Information and F-Score with SVM as a classifier has produced efficient results.

Keywords: Gene selection, mutual information, Fisher score, classification, SVM.

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Authors: Patrick M. Stanton, William R. McCumber

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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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Authors: Boonlert Watjatrakul

Abstract:

Educational institutions increasingly adopt the students-as-customers concept to satisfy their students. Understanding students- perspectives on the use of this business concept in educational institutions is necessary for the institutions to effectively align these perspectives with their management practice. The study investigates whether students in technology and business disciplines have significantly different attitudes toward using the students-as-customers concept in educational institutions and explores the impact of treating students as customers in technology disciplines under students- perspectives. The results from quantitative and qualitative data analyses show that technology students, in contrast to business students, fairly disagree with educational institutions to treat students as customers. Treating students as customers in technology disciplines will have a negative influence on teaching performance, instructor-student relationships and educational institutions- aim, but a positive influence on service quality in educational institutions. The paper discusses the findings and concludes with implications and limitations of the study.

Keywords: Education, information technology, students-ascustomers, technology disciplines.

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Authors: S.G. Srivani, Chandrasekhar Reddy Atla, K.P.Vittal

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This paper presents the development of adaptive distance relay for protection of parallel transmission line with mutual coupling. The proposed adaptive relay, automatically adjusts its operation based on the acquisition of the data from distance relay of adjacent line and status of adjacent line from line circuit breaker IED (Intelligent Electronic Device). The zero sequence current of the adjacent parallel transmission line is used to compute zero sequence current ratio and the mutual coupling effect is fully compensated. The relay adapts to changing circumstances, like failure in communication from other relays and non - availability of adjacent transmission line. The performance of the proposed adaptive relay is tested using steady state and dynamic test procedures. The fault transients are obtained by simulating a realistic parallel transmission line system with mutual coupling effect in PSCAD. The evaluation test results show the efficacy of adaptive distance relay over the conventional distance relay.

Keywords: Adaptive relaying, distance measurement, mutualcoupling, quadrilateral trip characteristic, zones of protection.

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Authors: C. Kalamani, S. Sowmiya, S. Dheivambigai, G. Harihara Sudhan

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Radio Frequency Identification (RFID) is a blooming technology which uses radio frequency to track the objects. This technology transmits signals between tag and reader to fetch information from the tag with a unique serial identity. Generally, the drawbacks of RFID technology are high cost, high consumption of power and weak authentication systems between a reader and a tag. The proposed protocol utilizes less dynamic power using reversible truncated multipliers which are implemented in RFID tag-reader with mutual authentication protocol system to reduce both leakage and dynamic power consumption. The proposed system was simulated using Xilinx and Cadence tools.

Keywords: Mutual authentication, protocol, reversible gates, RFID.

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Authors: Rômulo Volpato, Filipe Ramos, Paulo Crepaldi, Michel Santana, Tales C Pimenta

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This work presents an approach for the measurement of mutual inductance on near field inductive coupling. The mutual inductance between inductive circuits allows the simulation of energy transfer from reader to tag, that can be used in RFID and powerless implantable devices. It also allows one to predict the maximum voltage in the tag of the radio-frequency system.

Keywords: RFID, Inductive Coupling, Energy Transfer, Implantable Device

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Authors: Achraf El Allali, John R. Rose

Abstract:

A number of competing methodologies have been developed to identify genes and classify DNA sequences into coding and non-coding sequences. This classification process is fundamental in gene finding and gene annotation tools and is one of the most challenging tasks in bioinformatics and computational biology. An information theory measure based on mutual information has shown good accuracy in classifying DNA sequences into coding and noncoding. In this paper we describe a species independent iterative approach that distinguishes coding from non-coding sequences using the mutual information measure (MIM). A set of sixty prokaryotes is used to extract universal training data. To facilitate comparisons with the published results of other researchers, a test set of 51 bacterial and archaeal genomes was used to evaluate MIM. These results demonstrate that MIM produces superior results while remaining species independent.

Keywords: Coding Non-coding Classification, Entropy, GeneRecognition, Mutual Information.

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Authors: Michal Mardiak, Jaroslav Polec

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In this paper we proposed comparison of four content based objective metrics with results of subjective tests from 80 video sequences. We also include two objective metrics VQM and SSIM to our comparison to serve as “reference” objective metrics because their pros and cons have already been published. Each of the video sequence was preprocessed by the region recognition algorithm and then the particular objective video quality metric were calculated i.e. mutual information, angular distance, moment of angle and normalized cross-correlation measure. The Pearson coefficient was calculated to express metrics relationship to accuracy of the model and the Spearman rank order correlation coefficient to represent the metrics relationship to monotonicity. The results show that model with the mutual information as objective metric provides best result and it is suitable for evaluating quality of video sequences.

Keywords: Objective quality metrics, mutual information, region recognition, content based metrics

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Authors: Mounir Ait kerroum, Ahmed Hammouch, Driss Aboutajdine

Abstract:

Texture information plays increasingly an important role in remotely sensed imagery classification and many pattern recognition applications. However, the selection of relevant textural features to improve this classification accuracy is not a straightforward task. This work investigates the effectiveness of two Mutual Information Feature Selector (MIFS) algorithms to select salient textural features that contain highly discriminatory information for multispectral imagery classification. The input candidate features are extracted from a SPOT High Resolution Visible(HRV) image using Wavelet Transform (WT) at levels (l = 1,2). The experimental results show that the selected textural features according to MIFS algorithms make the largest contribution to improve the classification accuracy than classical approaches such as Principal Components Analysis (PCA) and Linear Discriminant Analysis (LDA).

Keywords: Feature Selection, Texture, Mutual Information, Wavelet Transform, SVM classification, SPOT Imagery.

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