Research ArticleOpen accessIn the abstractApproximate Maximum Likelihood Commercial Bank Loan Management ModelGodwin Norense Osarumwense AsemotaProblem statement: Loan management is a very complex and yet, a vitally important aspect of any commercial bank operations. The balance sheet position shows the main sources of funds as deposits and shareholders contributions. Approach: In order to operate profitably, remain solvent and consequently grow, a commercial bank needs to properly manage its excess cash to yield returns in the … …Journal of Social Sciences, Vol. 5, Issue 4 · 31 Dec 2009 · 7,242 accessesView PDFCite
Research ArticleOpen accessIn the abstractEnvironmental Factors Influence on Mobile Learning BusinessAlireza Nasiri, Guishi DengProblem statement: Recently, there has been growing interest in m-learning consequently emerging m-learning technology is promising technological and educational business. Nevertheless, m-learning is a new business and the different actors are still trialing by ways of a diversity of business models to overcome in able to achieve a sustainable and profitable place in this market. Numbers of m-learning products providers … …American Journal of Applied Sciences, Vol. 6, Issue 6 · 30 Jun 2009 · 6,970 accessesView PDFCite
Research ArticleOpen accessIn the abstractThe Convergence-Confinement Method: Roles and Limits in Modern Geomechanical Tunnel DesignPierpaolo OresteThe convergence-confinement method, based on the analysis of the stress and strain state that develops in the rock around a circular tunnel, has been presented in this study with the two analytical solutions that have been most frequently used in recent years. Problem statement: Thanks to the increased power of electronic processors and the spread of numerical methods, the role … …American Journal of Applied Sciences, Vol. 6, Issue 4 · 30 Apr 2009 · 10,160 accessesView PDFCite
Research ArticleOpen accessIn the abstractThe Effect of Banks Merger on Electronic Banking Services CompetencyAhmad Zakaria SiamProblem statement: This study is conducted to present benefits and consequences of latest technology used in banking industries. In addition, it has focused on the dynamics of banking sector, electronic banking services and new courses especially with mergers that constitute most of these mechanisms. Approach: The study discussed this new activity and the extent of response level of services while … …Journal of Social Sciences, Vol. 5, Issue 1 · 31 Mar 2009 · 7,654 accessesView PDFCite
Research ArticleOpen accessIn the abstractA Multinomial Logit Based Evaluation of the Behavior of the Life Insureds in RomaniaCristian Dragos, Simona DragosThe Romanian life insurance market is in full expansion. There exists competition between insurance companies as well as between different products of the same company. In this article we describe a study using data that we collected from clients of a Romanian insurance company. We have observed two types of variables: attributes of the insurance products (e.g., profitability, risk), as … …American Journal of Applied Sciences, Vol. 6, Issue 1 · 31 Jan 2009 · 7,756 accessesView PDFCite
Research ArticleOpen accessIn the abstractThe Random Walk Hypothesis for the Zimbabwe Stock Exchange: January 1998-November 2006Tafirenyika Sunde, James ZivanomoyoThe main intention of this study was to investigate, using monthly data, whether prices in the Zimbabwe Stock Exchange (ZSE) follow a random-walk process as required for there to be market efficiency. The study applied the unit root tests to establish if the ZSE followed a random walk or not. If the ZSE follows a random walk it is said … …Journal of Social Sciences, Vol. 4, Issue 3 · 30 Sep 2008 · 8,090 accessesView PDFCite
Research ArticleOpen accessIn the abstractA Typical Case Study: Solid Waste Management in Petroleum RefineriesJadea S. Alshammari, Fatma K. Gad, Ahmed A.M. Elgibaly, Abdul Rehman KhanThe current environmental concerns have forced developed and developing countries to reduce air, water and land pollution for sustainable growth. Solid refinery waste is cocktail of hydrocarbons, water, heavy metal and fine solids and is substantial in quantity. The principal processes of waste management focus mainly on waste source reduction, reusing, recycling, composting, incineration with or without energy recovery, fuel … …American Journal of Environmental Sciences, Vol. 4, Issue 4 · 31 Aug 2008 · 9,773 accessesView PDFCite
Research ArticleOpen accessIn the abstractGamma Radiosensitivity Study on Chili (Capsicum annuum)Shairul Rizdiyandi Omar, Osumanu Haruna Ahmed, Shaharudin Saamin, Nik Muhamad Ab. MajidInduced mutation by gamma irradiation has been found to be a very useful technique for crop improvement. Apart from this, the proper use of induced mutation in plant breeding has become a profitable approach. This investigation was carried out to determine the LD50 and effect of gamma rays on germination, plant height, survival percentage, root length, root dry weight and … …American Journal of Applied Sciences, Vol. 5, Issue 2 · 28 Feb 2008 · 9,039 accessesView PDFCite
Research ArticleOpen accessIn the abstractBreaking out: The Dynamics of Immigrant Owned BusinessesShahamak RezaeiAs far as integration policy in a Danish context is concerned a phenomenon have been observed during the last decade: Immigrant businesses are spreading rapidly in the country, dominating certain business lines in deprived inner city areas. According to registry and survey data, most immigrant businesses - and particularly those owned by immigrants from less developed countries in Asia, the … …Journal of Social Sciences, Vol. 3, Issue 2 · 30 Jun 2007 · 7,464 accessesView PDFCite