The Impact of Investment Decision Quality of Islamic Banks in Bangladesh: A Critical Review

The study investigates investment decision quality of Islamic banks in Bangladesh. Five financial ratios are selected for measuring investment performances of selected banks. Deposits and credits do not always ensure better profitability performance and operational efficiency and asset utilization. CAR and Tire_1 ratio do not differ significantly at Islamic banks in last five years. The researchers have found that there is a satisfactory improvement in bank’s credit quality in last five years despite of certain fluctuations. It is also worth mentioned that investment quality of Islamic banks is much better than that of conventional banks in Bangladesh. Key words:  Investment decision, LSRNPL , LSRTL, Bangladesh

Credit Exposure and Lending Decision Quality of Private Commercial Banks in Bangladesh: An Empirical Analysis

The main focus of this paper is to examine empirically the level of credit exposure and lending decision quality of local private commercial banks in of Bangladesh during the period of 2007-2011. Five financial ratios are selected for measuring credit performances of selected banks. By applying one way ANOVA it is found that NPLTL. LSRTL and LSRNPL ratios differ significantly while CAR and Tire_1 ratio do not differ significantly between conventional banks and Islamic banks in last five years. The empirical study also found that there is a satisfactory improvement in banks’ credit quality in last five years despite of certain fluctuations. It is also worth mentioned that level of credit exposure and quality of Islamic banks is much better than that of conventional banks in Bangladesh in last. Keywords: Credit Exposure, Lending decision, Non-performing loan, Capital Adequacy rati

Influence of Silica Nano-Additives on Performance and Emission Characteristics of Soybean Biodiesel Fuelled Diesel Engine

The present study examines the effect of silicon dioxide (SiO2) nano-additives on the performance and emission characteristics of a diesel engine fuelled with soybean biodiesel. Soybean biofuel was prepared using the transesterification process. The morphology of nano-additives was studied using scanning electron microscopy (SEM), X-ray diffraction (XRD) and energy-dispersive X-ray spectroscopy (EDS). The Ultrasonication process was used for the homogeneous blending of nano-additives with biodiesel, while surfactant was used for the stabilisation of nano-additives. The physicochemical properties of pure and blended fuel samples were measured as per ASTM standards. The performance and emissions characteristics of different fuel samples were measured at different loading conditions. It was found that the brake thermal efficiency (BTE) and brake specific fuel consumption (BSFC) increased by 3.48–6.39% and 5.81–9.88%, respectively, with the addition of SiO2 nano-additives. The carbon monoxide (CO), hydrocarbon (HC) and smoke emissions for nano-additive added blends were decreased by 1.9–17.5%, 20.56–27.5% and 10.16–23.54% compared to SBME25 fuel blends.</jats:p

Gene expression patterns associated with blood-feeding in the malaria mosquito Anopheles gambiae

BACKGROUND: Blood feeding, or hematophagy, is a behavior exhibited by female mosquitoes required both for reproduction and for transmission of pathogens. We determined the expression patterns of 3,068 ESTs, representing ~2,000 unique gene transcripts using cDNA microarrays in adult female Anopheles gambiae at selected times during the first two days following blood ingestion, at 5 and 30 min during a 40 minute blood meal and at 0, 1, 3, 5, 12, 16, 24 and 48 hours after completion of the blood meal and compared their expression to transcript levels in mosquitoes with access only to a sugar solution. RESULTS: In blood-fed mosquitoes, 413 unique transcripts, approximately 25% of the total, were expressed at least two-fold above or below their levels in the sugar-fed mosquitoes, at one or more time points. These differentially expressed gene products were clustered using k-means clustering into Early Genes, Middle Genes, and Late Genes, containing 144, 130, and 139 unique transcripts, respectively. Several genes from each group were analyzed by quantitative real-time PCR in order to validate the microarray results. CONCLUSION: The expression patterns and annotation of the genes in these three groups (Early, Middle, and Late genes) are discussed in the context of female mosquitoes' physiological responses to blood feeding, including blood digestion, peritrophic matrix formation, egg development, and immunity

Engineered Anopheles Immunity to Plasmodium Infection

A causative agent of human malaria, Plasmodium falciparum, is transmitted by Anopheles mosquitoes. The malaria parasite is under intensive attack from the mosquito's innate immune system during its sporogonic development. We have used genetic engineering to create immune-enhanced Anopheles stephensi mosquitoes through blood meal-inducible expression of a transgene encoding the IMD pathway-controlled NF-kB Rel2 transcription factor in the midgut and fat-body tissue. Transgenic mosquitoes showed greater resistance to Plasmodium and microbial infection as a result of timely concerted tissue-specific immune attacks involving multiple effectors. The relatively weak impact of this genetic modification on mosquito fitness under laboratory conditions encourages further investigation of this approach for malaria control

Diagnostic accuracy of whole-body MRI versus standard imaging pathways for metastatic disease in newly diagnosed colorectal cancer: the prospective Streamline C trial

Background: Whole-body magnetic resonance imaging(WB-MRI) may be an alternative to multi-modality staging of colon cancer but its relative diagnostic accuracy, effect on staging times, test number, cost, and impact on treatment decisions are unknown. We undertook a prospective multicentre cohort study to address this (ISRCTN43958015). Methods: We recruited from 16 English hospitals. Eligible patients were 18 years or older, with newly diagnosed colon cancer. Patients underwent WB-MRI, the result of which was withheld until standard staging investigations were complete. The multi-disciplinary team (MDT) recorded its first treatment decision based on standard investigations, then the alternate WB-MRI staging pathway (WB-MRI plus any additional tests generated), and finally on all tests combined. The primary outcome was difference in per-patient sensitivity for metastases between standard and WB-MRI staging pathways against a consensus reference standard at 12-months. Differences in treatment decisions, staging time, test number, and costs were secondary outcomes. Findings: 299 patients completed the trial; 68 (23%) had metastasis at baseline. The WB-MRI pathway was 68% (95% CI 56 to 78) sensitive, not significantly different from standard pathways (63% [51 to 74]), a 4% (-5 to 13) difference, p=0.508. Specificity was not significantly different (95% [92 to 97], vs. 94% [90 to 96]). Agreement with the MDT final treatment decision was 96% and 95% for WB-MRI and standard pathways respectively. Time to complete staging was significantly shorter for WB-MRI (8 days [6 to 9] vs. 13 days [11 to 15]), a 5-day (3 to 7) difference. WB-MRI pathways required significantly fewer tests (median 1 [1 to 1] vs. 2 [2 to 2]), a difference of 1 (1 to 1). Mean per-patient staging costs were £216 and £285 for WB-MRI and standard pathways respectively. Interpretation: WB-MRI staging pathways are as accurate as standard pathways, but reduce tests, staging time, and cost

Prospects of biodiesel from Jatropha in Malaysia

The increasing energy demands along with the expected depletion of fossil fuels have promoted to search for alternative fuels that can be obtained from renewable energy resources. Biodiesel as a renewable energy resource has drawn the attention of many researchers and scientists because its immense potential to be part of a sustainable energy mix in near future. This report attempts to compile the findings on current global and Malaysian energy scenario, potential of biodiesel as a renewable energy source, biodiesel policies and standards, practicability of Jatropha curcas as a biodiesel source in Malaysia as well as impact of biodiesel from Jatropha curcas. Final part of this report also describes the development of biodiesel market in Malaysia. The paper found that Jatropha curcas is one of the cheapest biodiesel feedstock and it possesses the amicable fuel properties with higher oil contents compared to others. Being non edible oil seed feedstocks it will not affect food price and spur the food versus fuel dispute. Jatropha can be substituted significantly for oil imports. Jatropha biodiesel has potential to reduce GHG emission than diesel fuel and it can be used in diesel engine with similar performance of diesel fuel. Jatropha curcas has an immense contribution to develop rural livelihoods too. Finally biodiesel production from Jatropha is eco-friendly and offers many social and economical benefits for Malaysia and can play an increasingly significant role to fulfill the energy demand in Malaysia.Associated Grant:The authors would like to acknowledge University of Malaya for financial support through High Impact Research Grant entitles: Clean Diesel Technology for Military and Civilian Transport Vehicles which Grant number is UM.C/HIR/MOHE/ENG/07