A Probabilistic Approach to Maximize Cross-Selling Revenues of Financial Products

Customer oriented approach and developing analysis for customers have become more important as the competition became a global issue, especially after technological advancements. Companies aim to sell more products to new customers and also to their current customers while keeping them in the portfolio and making sure that they are happy. Cross-selling of products and services to their customers is almost as important as gaining new customers. In this paper, a probabilistic and integrated method of cross-selling financial products is proposed. The proposed method first segments the customers based on the selected criteria and then calculates the probability of buying each product using product and customer relationship matrixes. Then, the expected yield for each group of customers and offer is calculated, and the best cross-selling strategy is determined. The proposed methodology is applied to a Turkish bank that aims to sell financial products through cross-selling. The results show that the methodology successfully determines the product order to be used in cross-selling in an effort to increase the success rate in the selling process and expected revenue

SOME SPECIAL CURVES BELONGING TO MANNHEIM CURVES PAIR

In this paper, we investigate special Smarandache curves with regard to Sabban frame for Mannheim partner curve spherical indicatrix. We created Sabban frame belonging to this curves. It was explained Smarandache curves position vector is consisted by Sabban vectors belonging to this curves. Then, we calculated geodesic curvatures of this Smarandache curves. Found results were expressed depending on the Mannheim curve

Reducing the environmental impact of surgery on a global scale: systematic review and co-prioritization with healthcare workers in 132 countries

Abstract Background Healthcare cannot achieve net-zero carbon without addressing operating theatres. The aim of this study was to prioritize feasible interventions to reduce the environmental impact of operating theatres. Methods This study adopted a four-phase Delphi consensus co-prioritization methodology. In phase 1, a systematic review of published interventions and global consultation of perioperative healthcare professionals were used to longlist interventions. In phase 2, iterative thematic analysis consolidated comparable interventions into a shortlist. In phase 3, the shortlist was co-prioritized based on patient and clinician views on acceptability, feasibility, and safety. In phase 4, ranked lists of interventions were presented by their relevance to high-income countries and low–middle-income countries. Results In phase 1, 43 interventions were identified, which had low uptake in practice according to 3042 professionals globally. In phase 2, a shortlist of 15 intervention domains was generated. In phase 3, interventions were deemed acceptable for more than 90 per cent of patients except for reducing general anaesthesia (84 per cent) and re-sterilization of ‘single-use’ consumables (86 per cent). In phase 4, the top three shortlisted interventions for high-income countries were: introducing recycling; reducing use of anaesthetic gases; and appropriate clinical waste processing. In phase 4, the top three shortlisted interventions for low–middle-income countries were: introducing reusable surgical devices; reducing use of consumables; and reducing the use of general anaesthesia. Conclusion This is a step toward environmentally sustainable operating environments with actionable interventions applicable to both high– and low–middle–income countries

Üniversitenin üçüncü görevi: Öğretim üyelerinin topluma hizmet kavramına yönelik görüş ve uygulamaları

Core missions of the universities are currently expressed as teaching and education, research and development, and community service while they have substantially evolved throughout the history. Besides, community service function of the universities has recently begun to attract increasing attention in the field of higher education; despite this growing interest, community service is still an ill-defined and unclear concept. Therefore, the aim of the study is to explore the perceptions and practices of faculty members about community service mission of the university and investigate how they define, interpret, and fulfill community service in their professional lives. Hence, a qualitative exploratory case study was conducted with thirteen full-time faculty members working at a public university in Ankara, Turkey. The participants were selected through purposeful sampling. Data were collected via semi-structured interviews and document analysis, mainly the strategic plan, of the case university was also utilized to triangulate the data. The data were analyzed via descriptive and thematic analysis. According to the results, the paradigms in which the faculty members perceive and practice community service are closely connected to their conceptualizations and definitions of community service. In addition, the findings suggest that the faculty members consider community service as a rather ambiguous notion that needs detailed characterization and clarification, which shapes their perceived service practices accordingly. Finally, it is highlighted by the majority of the faculty members that the concept of community service necessitates more extensive, systematic, and institutionalized comprehension by policymakers in higher education and university administrators and requires active participation of all university constituents into this process.Üniversitelerin temel görevleri tarih boyunca büyük ölçüde değişmiş olsa da günümüzde eğitim-öğretim, araştırma-geliştirme ve topluma hizmet olmak üzere üniversitelerin üç temel görevinden bahsedilmektedir. Üstelik, üniversitelerin topluma hizmet işlevi son zamanlarda yükseköğretim alanında giderek artan bir şekilde ilgi çekmeye başladı. Giderek büyüyen bu ilgiye rağmen, topluma hizmet hala yeterince iyi tanımlanmamış ve anlaşılması zor bir kavram. Bu sebeple, bu çalışmanın amacı öğretim üyelerinin üniversitenin topluma hizmet görevine ilişkin görüş ve uygulamalarını keşfetmek ve topluma hizmeti mesleki hayatlarında nasıl tanımladıklarını, değerlendirdiklerini ve yerine getirdiklerini incelemektir. Bu amaçla Türkiye'de Ankara ilinde bulunan bir devlet üniversitesinde tam zamanlı olarak görev yapan on üç öğretim üyesiyle nitel bir vaka çalışması yapılmıştır. Katılımcılar amaçlı örnekleme yöntemiyle seçilmiştir. Veriler yarı yapılandırılmış görüşme soruları aracılığıyla toplanmış ve ayrıca ilgili üniversiteye ait başlıca stratejik planlama olmak üzere çeşitli yazılı belgeler veri çeşitlendirmesi amacıyla incelenmiştir. Veriler betimleyici ve tematik analiz ile analiz edilmiştir. Sonuçlara göre, öğretim üyelerinin topluma hizmeti algılama ve uygulamalarına dair paradigmalar öğretim üyelerinin topluma hizmeti kavramsallaştırma ve tanımlama biçimleriyle yakından ilişkilidir. Ayrıca, sonuçlar öğretim üyelerinin topluma hizmeti, detaylı bir nitelendirilme ve açıklık kazandırılması gereken, oldukça muğlak bir kavram olarak algıladıklarını ve bu durumun öğretim üyelerinin algılanan topluma hizmet uygulamalarını benzer biçimde şekillendirdiğini ortaya koymaktadır. Son olarak, topluma hizmet kavramının yükseköğretimde karar vericiler ve üniversite yöneticileri tarafından kapsamlı, sistematik ve kurumsallaşmış bir şekilde incelenmesi ve üniversitenin tüm bileşenlerinin bu sürece aktif bir şekilde dahil edilmesi gerektiği öğretim üyelerinin büyük çoğunluğu tarafından vurgulanmıştır.M.S. - Master of Scienc

Redovisning av spelarförvärv i Herrallsvenskan : En kvalitativ studie om varför fotbollsklubbarna tillåts redovisa spelarförvärv på två olika sätt

Bakgrund och problemdiskussion: Allsvenska fotbollsklubbar har idag möjlighet att redovisa förvärvade spelarkontrakt på två olika sätt, antingen som en immateriell tillgång i balansräkningen eller som en kostnad i resultaträkningen. Då det finns två olika redovisningsmetoder kan det ge ekonomiska konsekvenser. Även nedskrivningar av spelarkontrakt kan bli problematiskt då klubbar skriver ned dessa på olika sätt. Syfte: Syftet med studien är att belysa hur fotbollsklubbarna i Herrallsvenskan redovisar sina spelarförvärv samt undersöka varför klubbarna tillåtits redovisa sina spelarförvärv på två olika sätt. Det ska även undersökas hur fotbollsklubbarna hanterar nedskrivningar av deras spelarkontrakt. Metod: Studien har utgått från ett kvalitativt tillvägagångssätt där vi samlat in empiriska data utifrån intervjuer med Svenska Fotbollsförbundet samt nio av de totalt 16 herr allsvenska klubbarna. Den sekundärdata vi använt är samtliga klubbars årsredovisningar. Resultat: Samtliga klubbar följer SvFF:s elitlicenskriterier. Av samtliga deltagande herr allsvenska klubbar för säsongen 2015 är det endast BK Häcken som kostnadsför sina spelarförvärv i resultaträkningen. Resterande klubbar aktiverade spelarkontrakten som immateriella tillgångar i balansräkningen. SvFF har tagit fram två sätt att redovisa spelarförvärv. Orsaken till detta berodde främst på klubbarnas önskemål. Flertalet klubbar som aktiverar spelarförvärven i balansräkningen vill vara försiktiga med att direkt kostnadsföra spelarkontraktet i resultaträkningen medan andra klubbar vill fördela kostnaden över spelarens kontraktstid

Uzaysal Kuaterniyonik Bertrand Eğri Çiftinin Frenet Çatısına Göre n₁^*w^* - Smarandache Eğrisi

$(\gamma, \gamma^{\ast})$ uzaysal kuaterniyonik Bertrand eğri çifti verildiğinde $\gamma^{\ast}$ eğrisine ait Frenet vektörlerinin hareketine bağlı olarak oluşan $w^{\ast}$ birim Darboux vektörü ile $n_{1}^{\ast}$ aslinormal vektörü konum vektörü olarak alındığında bu vektörün çizdiği \beta=\frac{1}{\sqrt{2} (w^{\ast}+n_{1}^{\ast}) Smarandache eğrisinin, Frenet vektörleri, eğriliği ve burulması hesaplandı. Daha sonra bulunan bu eğrilik ve burulma uzaysal kuaterniyonik Bertrand eğrisine bağlı olarak ifade edildi. Konuya örnek verilip Maple programıyla çizimi yapıldı

Experimental investigation on combustion and emission characteristics of reactivity controlled compression ignition engine powered with iso-propanol/biodiesel blends

Recently, reactivity controlled compression ignition (RCCI) has been proposed in order to achieve a higher thermal efficiency with lower emissions than conventional combustion. In RCCI mode, as the fuel types and their combinations affects the reactivity stratification inside cylinder, thus combustion control, in present study, iso-propanol was evaluated as low-reactivity fuel (LRF) when petroleum diesel, commercial biodiesel and their blends were high-reactivity fuels. It is of great importance that iso-propanol and biodiesel be used together in RCCI mode, as they significantly affect the in-cylinder stratification due to their high octane/cetane number. Therefore, the reactivity controlled compression ignition (RCCI) combustion characteristics was investigated in a diesel research engine using iso-propanol, petroleum diesel, biodiesel and their blends as fuels. Tests were conducted on varying loadings (from 20% to 60% of max torque) and premixed ratios of LRF (Rp = 0, 0.15, 0.30, 0.45, and 0.60) at a constant engine speed of 2400 rpm. Results, which were compared with conventional diesel combustion (CDC), showed that, as the premixed ratio (Rp) of low-reactivity fuel (iso-propanol) increased, ignition delay (ID) period prolonged while combustion duration (CD) and rate of pressure rise (RoPR) reduced assisted to reduce NO emissions and smoke opacity in the exhaust. NO and smoke opacity reduced simultaneously for biodiesel-propanol combinations up to 40% under 20% load and 0.60 premixed ratio of LRF compared to CDC. Propanol premixed ratio of 0.30 at 60% load was found to be optimum concerning lowest emissions. In conventional mode, HC emissions reduced by up to 52% when biodiesel and its blends with diesel fuel are used, whereas they increased significantly in RCCI mode. According to overall results, it is concluded that RCCI performed better than CDC at entire load