ICT, Financial Sector Development and Financial Access

This study assesses the role of ICT (internet and mobile phone penetration) in complementing financial sector development (financial formalization and informalization) for financial access. The empirical evidence is based on generalized method of moments with 53 African countries for the period 2004–2011. The following findings are established from linkages between ICT, financial sector development and financial activity. First, the interaction between ICT and financial formalization (informalization) decreases (increases) financial activity. Second, with regard to net effects, the expected signs are established for the most part. In spite of the negative marginal effects from financial informalization, the overall net effects are positive. Third, the potentially appealing interaction between ICT and informalization produces positive thresholds that are within ranges. Policy implications are discussed in three main strands. They include implications for (i) mobile/internet banking, (ii) a quiet life and (iii) ICT in reducing information asymmetry and surplus liquidity

A Comparative analysis of PESC and PPSC copolyesters: Insights into viscosity, thermal behavior, crystallinity, and biodegradability

The study examined various properties of synthesized copolyesters PESC and PPSC. Inherent viscosities of the copolyesters, measured in 1,4-dioxane at 32 °C, were 0.65 dL/g for PESC and 0.73 dL/g for PPSC. Fourier-Transform Infrared Spectroscopy (FT-IR) revealed distinct absorption bands associated with ester carbonyl stretching, C–H bending vibration, C–H group symmetry stretching, and C–O stretching vibrations. 1H and 13C Nuclear magnetic Resonance (NMR) spectroscopy were used to identify specific protons and carbon groups in the polymer chain, revealing the molecular structure of the copolyesters. Differential Scanning Calorimetry (DSC) identified the glass transition, melting, and decomposition temperatures for both copolyesters, indicating variations in the crystalline nature of the copolymers. XRD Spectral studies further elaborated on the crystalline nature, indicating that PPSC is less amorphous than PESC. Biodegradation analysis showed that PESC degrades more quickly than PPSC, with degradation decreasing as the number of methylene groups increase. Scanning Electron Microscopy (SEM) images depicted the surface morphology of the copolyesters before and after degradation, revealing a more roughened surface with pits post-degradation. These findings provide comprehensive insights into the structural and degradable properties of PESC and PPSC copolyesters

Laser induced surface modification of clay-PAN composite nanofibers

In this study a newly laser treatment method for surface modification of nanofibers is introduced. The new method is based on different infrared absorption of materials. Surface modification of Clay-PAN composite nanofibers was performed using selective laser etching approach with CO2 pulsed laser in order to increase surface area of nanofibers. The surface structure of resulted nanofibers is characterized using field emission scanning electron microscope and the results show characteristic modification of the surface topography of laser treated nanofibers. The modified surface structure of nanofibers was studied and analyzed for different laser pulse numbers and laser fluence. The results show that nanofiber surface modification strongly depends on the number of CO2 laser pulses and frequency of modified sites on the surface of nanofibers increasing with increasing the pulse fluence. This new technique is highly selective and can also compete with conventional techniques for nanofibers surface modification. © 2011 The Korean Fiber Society and Springer Netherlands

Political hostility and local government crisis in Bangladesh : ruling party's supremacy and opposition party's costs of being outside of the state power

Bangladesh has a history of political unrest and supremacy of the ruling party. Recently, representatives of the local government were suspended for being accused in cases of political violence. The ruling party is defining the suspensions as a legal process; on the contrary, the opposition political parties are claiming it as political hostility and a way of controlling local governments. There are shortages of research on contemporary political challenges and its consequences. Thus, this study considered local government representative suspensions as a case to exemplify the political hostility and local government crisis in Bangladesh. This study also demonstrated some theoretical points to frame the conceptual thoughts, likewise explained the status and some historical illustration of governmental intrusion over local government. Besides, this study applied the qualitative method to discover the research queries. Consequently, the analysis outlined substantial political supremacy and hostility in Bangladesh and its adverse impact on local governance