Оцінка оновлення основних засобів за рахунок позикових коштів

Оновлення основних засобів є актуальною проблемою сьогодення. Для багатьох підприємств кредити банків є чи не єдиним джерелом коштів на модернізацію виробничих потужностей. В даній статті нами були розглянуті можливості і перспективи приватних фірм для використання з цією метою позикових засобів, оцінений ступінь прозорості банківських установ, річні ставки за інвестиційними кредитами та інші умови їхнього надання.Modernizing of the basic assets is a topical problem of the present. For many business firms bank loans are may be the only source of funds for renewal of production facilities. In the article we have considered the opportunities and prospects for use of borrowed funds by private firms for this purpose, rated the degree of transparency of banking institutions, the annual rates of investment credits and other conditions of their granting

Geopolymers made from metakaolin sources, partially replaced by Spanish clays and biomass bottom ash

The main objective of this investigation is to study the effect of the substitution of metakaolin (MK) (from calcined industrial kaolin) by four different calcined natural Southern Spain clays traditionally used in the brick and tile sector, as well as by the biomass bottom ash residue (BBA) from the combustion of a mix of olive and pine pruning on the synthesis of geopolymer with physical, mechanical and thermal properties comparable to those of classic construction materials. As alkaline activator, a 8 M solution of sodium hydroxide and sodium silicate have been used. Raw materials, metakaolin; Spanish clays: black clay (BC), yellow clay (YC), white clay (WC), red clay (RC) and BBA were characterized by chemical analysis (XRF), mineralogical analysis (XRD), and particle size analysis. Control geopolymers containing only metakaolin, and batch of geopolymers were formulated containing equal proportions of metakaolin, BBA and each of the four types of clay. After the curing period, at 60 °C for 1 day geopolymers were demolded and stored 27 days at room temperature. Geopolymers were characterized using Scanning Electron Microscopy coupled with Energy Dispersive Spectroscopy (SEM-EDS), XRD and Attenuated Total Reflectance- Fourier Transform Infrared Spectroscopy (ATR-FTIR). Their physical, mechanical and thermal properties have also been studied. The addition of BBA and different types of calcined clays to metakaolin gives rise to geopolymers with higher mechanical properties increasing the compressive strength of the control geopolymer containing only MK (24.9 MPa) by more than 50% for the GMK-BBA-WC geopolymers (38.5 MPa). The clays act as fillers and/or promote the precipitation of calcium-rich phases (Ca)-A-S-H-G gel that coexists with the (Na)-A-S-H gel type. The relevant results of physical, mechanical and thermal properties obtained in this research demonstrate the potential of Spanish clays and BBA as binders and substitutes for metakaolin.This work has been funded by the project « Development and characterization of new geopolymer composites based on waste from the olive industry. Towards a sustainable construction (MAT2017-88097-R) », FEDER/Ministry of Science, Innovation and Universities, State Research Agency. The authors thank “Caobar S.A.“, “Arcillas Bailén, S.L.” and “Aldebarán Energía del Guadalquivir S.A.” companies for supplying the kaolin, clays and biomass bottom ash, respectively. Technical and human support provided by CICT of Universidad de Jaén (UJA, MINECO, Junta de Andalucía, FEDER) are gratefully acknowledged.Peer reviewe