BANKING INNOVATIONS RISK – PROFITABILITY RELATIONSHIP IN THE BANKING SYSTEM OF THE REPUBLIC OF MOLDOVA

The level of information technologies development in modern banks represents an essential factor in maintenance and consolidation of the position on the market. In this respect all Moldovan banks develop risk management policies with regard to banking IT’s and e-products and services, which they consider as the main part of banking innovations at the moment. The purpose of this article is to analyze each innovation (Information Security Services, Business Systems Controls, Business Continuity Management, IT Outsourcing, Information Systems Governance, IT Performance, Project Risk Management, IT Internal Audit) in terms of risks and benefits when these risks are managed properly.banking system, risk, information technologies

QUALIMETRIC ASSESSMENT OF WAFFLES WITH FILLINGS OF ORGANIC RAW MATERIALS

For improving the amino acid and organoleptic characteristics of floury confectionary products, new recipes of waffles with fillings of natural raw materials “Summer temptation” and “Coco pleasure” have been created. Only organic raw materials were used for both recipes. The composition of waffles “Summer temptation” included: buckwheat flour, reed sugar, creamy butter, dry skimmed milk and sea-buckthorn oil, lemongrass powder. Rice flour, coco sugar, dry coco milk, lemongrass powder were added to the composition of waffles “Coco pressure”. A control sample is waffles “Artek”, produced by the traditional recipe. The main difference between the offered samples is in fact that the new waffles are produced of organic raw materials only and contain non-traditional ones in their composition. Wheat flour, lipid base and sugar are replaced in the samples. This paper offers a qualimetric assessment scale for waffles quality and presents assessment result

Effects of pH, temperature, ionic strength and organic matter on triclocarban solubility

The solubility of triclocarban in ultrapure water and in several natural aqueous solutions is influenced by several environmental factors. In this study the variation of temperature, pH, ionic strength and concentration of the organic matter over the solubility of triclocarban was analysed. The results show that the solubility of triclocarban increases by increasing the contact time, longer than the time of equilibrium and the temperature. It is less influenced by the variations of pH and strongly influenced by the variation of ionic strength and by the natural organic matter into the studied aqueous matrices

Estimating probable electoral losses using gaming approach in the conditions of information countermeasures

The task of assessing the destructive effects on information is considered public safety on the example of electoral losses in the process of information opposition. To find a solution to the above problem, it is proposed a non-linear model based on process modeling pre-election races. Based on similar studies, it was the impact of destructive informational influences on certain security is considered layers of society. A case study where an adversary advances its narratives for capture of a part of society in its information field, as well as his keeping under its influence at the expense of existing agents. For this purpose he involves influence agents who act in two groups. For the specified situation it was the process of transition of the electorate to the information environment is simulated opponent. The following groups of objects were considered in the model: our agents, which functionally, they only oppose the agents of the adversary, groups of society, divided according to the possible impact on them, and two groups of agents enemy, each of which can change as a result of losses and necessity keeping under its influence members of the social groups that reacted positively on the information narratives of the adversary. As a result, the simulation was carried out assessment of probable electoral losses, which provides grounds for determination optimal counteraction to destructive informational influences

Counteracting destructive information influences based on the game approach

The problem of counteracting destructive influences on the example of ensuring information security of society during the rapid structural changes in the television industry is considered. To solve this problem we propose a nonlinear model that is based on multiple-choice in the context of information counteraction. Based on the study of the election campaign, the simulation of processes affecting security was conducted. A case in which, due to certain circumstances, some TV channels that political parties engage in for the purpose of agitation stop broadcasting has been investigated. The model considered the following objects: the first group of TV channels with common interests, the second group of TV channels - antagonists of the first, the third group - TV channels whose activities are insignificant in terms of impact on the first group, but in the simulation, they are considered to belong to the second group. The dependence of the efficiency of information influence on certain parameters of the model is shown. The conditions that ensure the preservation of the coalition in the conditions of information counteraction have been identified with the help of the game approach

Research of quality and safety indicators of organic raw materials for development of new cookie recipes

Studies of quality and safety of organic flour and oils for the development of cookies are considered. The objects of the study are samples of organic spelt, corn and coconut flour; and samples of organic oils (camelina and hemp). The purpose of the study is to substantiate the feasibility of using organic raw materials for the development of new cookie recipes. To determine the quality and safety of organic flour, the nutritional value, physicochemical parameters and safety indicators (content of salts of heavy metals) have been analyzed. To determine the quality of organic oils, the fatty acid composition has been analyzed. Standard methods have been used for the study. The moisture content of the flour has been determined by the drying method. Ash content – by the method of organic matter charring. Atomic absorption and flameless atomic absorption methods have been used to determine the safety indicators of the flour. The fatty acid composition of oils has been determined by gas chromatography. It has been proved, that organic raw materials meet the safety requirements of the Regulation of maximum levels of certain contaminants in food, approved by the Order of the Ministry of Health of Ukraine № 368 of 13.05.2013 and can be used as a promising enrichment for the nutritional value of cookie

General Considerations Regarding the Industrial Activity of Arcelormittal Galati on The Environment

Although everyone acknowledges the fact that industrial activities are bad for people’s health and more so for the natural environment they are considered a necessary evil. You cannot expect to remain in the run of this competitive economic environment without industry. It is industry that makes the world go round even though if things keep going the same way we’ll soon not have a world to talk about. However, these days there seems to be a global campaign of raising awareness about the damage we cause to nature, but unfortunately likeeverything else this also happened to move extremely slowly towards Romania. In Romania, national environmental groups seem to have made little impact inreducing pollution

Protective Allele for Multiple Sclerosis HLA-DRB1*01:01 Provides Kinetic Discrimination of Myelin and Exogenous Antigenic Peptides.

Risk of the development of multiple sclerosis (MS) is known to be increased in individuals bearing distinct class II human leukocyte antigen (HLA) variants, whereas some of them may have a protective effect. Here we analyzed distribution of a highly polymorphous HLA-DRB1 locus in more than one thousand relapsing-remitting MS patients and healthy individuals of Russian ethnicity. Carriage of HLA-DRB1*15 and HLA-DRB1*03 alleles was associated with MS risk, whereas carriage of HLA-DRB1*01 and HLA-DRB1*11 was found to be protective. Analysis of genotypes revealed the compensatory effect of risk and resistance alleles in trans. We have identified previously unknown MBP153−161 peptide located at the C-terminus of MBP protein and MBP90−98 peptide that bound to recombinant HLA-DRB1*01:01 protein with affinity comparable to that of classical antigenic peptide 306-318 from the hemagglutinin (HA) of the influenza virus demonstrating the ability of HLA-DRB1*01:01 to present newly identified MBP153−161 and MBP90−98 peptides. Measurements of kinetic parameters of MBP and HA peptides binding to HLA-DRB1*01:01 catalyzed by HLA-DM revealed a significantly lower rate of CLIP exchange for MBP153−161 and MBP90−98 peptides as opposed to HA peptide. Analysis of the binding of chimeric MBP-HA peptides demonstrated that the observed difference between MBP153−161, MBP90−98, and HA peptide epitopes is caused by the lack of anchor residues in the C-terminal part of the MBP peptides resulting in a moderate occupation of P6/7 and P9 pockets of HLA-DRB1*01:01 by MBP153−161 and MBP90−98 peptides in contrast to HA308−316 peptide. This leads to the P1 and P4 docking failure and rapid peptide dissociation and release of empty HLA-DM–HLA-DR complex. We would like to propose that protective properties of the HLA-DRB1*01 allele could be directly linked to the ability of HLA-DRB1*01:01 to kinetically discriminate between antigenic exogenous peptides and endogenous MBP derived peptides