Про необхідність використання іноземного досвіду мікрострахування та гарантування кредитів малому підприємству в Україні

У статті йдеться про світовий досвід використання гарантійних установ для підтримки малого підприємництва. Проаналізовано основні параметри діяльності фондів гарантування кредитів та інститутів мікрострахування. Визначено можливості впровадження схем гарантування та мікрострахування підприємств малого бізнесу в Україні. Ключові слова: кредит, фінансування, підприємництво, малий бізнес, гарантія, фонд, банківська система, страхування, забезпечення, мікрострахування.В статье исследован мировой опыт использования гарантийных учреждений для поддержки малого предпринимательства. Проанализированы основные параметры деятельности фондов гарантирования кредитов и институтов микрострахования. Определены возможности внедрения схем гарантирования и микрострахование предприятий малого бизнеса в Украине. Ключевые слова: кредит, финансирование, предпринимательство, малый бизнес, гарантия, фонд, банковская система, страхование, обеспечение, микрострахование.In the article research of world experience of the use of guarantee establishments is conducted for support of small enterprise. The basic parameters of activity of funds of guaranteeing of credits are analysed and institutes of mikroinsurance. Possibilities of introduction of charts of guaranteeing are certain and mikroinsurance of enterprises of small business in Ukraine. Key words: credit, finance, entrepreneurship, small business, the guarantee fund, banking, insurance, security, micro-insurance

Late Cretaceous to Paleocene oroclinal bending in the central Pontides (Turkey)

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Effect of Wood-derived Charcoal Content on Properties of Wood Plastic Composites

The effect of wood-derived charcoal flour on the water resistance and mechanical properties of wood plastic composite (WPC) panels was investigated. The hot press molded WPC panels were produced from polypropylene (37 wt%) with maleic anhydride-grafted polypropylene (MAPP, 3 wt%) and different mixtures of wood flour and charcoal flour. The amount of charcoal flour was gradually increased up to 60 wt%. The thickness swelling and water absorption of WPC panels considerably decreased with increasing charcoal flour content. The internal bond strength and bending properties of the WPC panels significantly improved with increasing charcoal flour content. This was mainly attributed to the high amount of pores and gaps in the charcoal flour. Melted polypropylene could get into the pores and gaps during the hot press molding, which lead to a better interfacial adhesion between polymer matrix and wood filler. The results showed that the charcoal flour could be partially substituted for the wood flour in the production of WPC panels having higher dimensional stability and internal bond strength

Exchange of nutrients and oxygen across the sediment-water interface below a Sparus aurata marine fish farm in the north-western Mediterranean Sea

Purpose: This study analyzes the effects of aquaculture activities in open seawater in the north-western coastal waters of the Mediterranean Sea. It is the first of its kind to be based on benthic flux data gathered in situ below fish farms for this particular area. Materials and methods: Samples were collected on four sampling campaigns over a 1-year cycle under a Sparus aurata fish farm facility where benthic fluxes were measured in situ using light and dark benthic chambers. Bottom water and sediment samples were also collected. Data were compared to those for a nearby control station. Results and discussion: Significant differences were found (ANOVA, p < 0. 05) between concentrations of organic matter (OM), total phosphorus and redox potentials in sediments located under the cages and those of the control station. The consumption of dissolved oxygen (DO) by sediment and positive ammonium (NH4 +) fluxes was stimulated by OM content, with correlations of r = -0. 60 (p < 0. 01) and r = 0. 70 (p < 0. 01), respectively. The OM content of sediments was found to be consistently higher under the cages than at the control station, with the highest value (1. 8 ± 0. 7 %) under the cages observed during the early summer; values of DO and NH4 + fluxes were -64 ± 17 and 12. 7 ± 1. 0 mmol m-2 day-1, respectively. PO4 3- fluxes were consistently higher in the fish farm sediments (between 0. 58 and 0. 98 mmol m-2 day-1) than those observed at the control station. Nitrate (NO3 -) fluxes were found to be consistently negative due to denitrification occurring in the sediments and were related to the concentration of NO3 - in bottom waters (r = 0. 92, p < 0. 01). Si fluxes were shown to be associated with water temperature (r = 0. 59, p < 0. 05). Conclusions: The results imply that sediments located below cages accumulate organic matter originating from aquaculture activities, especially during summer months when this activity increases. Sediments undergo biogeochemical changes that mainly affect fluxes of DO, NH4 + and soluble reactive phosphorus, although these do not seem to have a significant impact on the quality of the water column due to the hydrodynamic characteristics of the area. © 2012 Springer-Verlag.We would like to thank the Caja del Mediterraneo for a predoctoral fellowship fund for this research and Antonio Asuncion Acuigroup Maremar manager for the facilities and support in conducting the study. The translation of this paper was funded by the Universidad Politecnica de Valencia, Spain. We are grateful for the valuable comments of the anonymous reviewers on previous versions of the manuscript.Morata Higón, T.; Sospedra, J.; Falco Giaccaglia, SL.; Rodilla Alama, M. (2012). Exchange of nutrients and oxygen across the sediment-water interface below a Sparus aurata marine fish farm in the north-western Mediterranean Sea. Journal of Soils and Sediments. 12(10):1623-1632. doi:10.1007/s11368-012-0581-2S162316321210APHA, AWWA, and WEF (2005) Standard methods for the examination of water wastewater, 21st edn. American Public Health Association, WashingtonAksu M, Kocatas A (2007) Environmental effects of the three fish farms in Izmir Bay (Aegean Sea-Turkey) on water column and sediment. Rapport du 38e Congrés de la Commission Internationale Pour L’exploration Scientifique de la Mer Méditerranée 38, 414Aminot A, Chaussepied M (1983) Manuel des analyses chimiques en milieu marin. Centre National pour l’Explotation des Oceans, BrestArocena R, Conde D (1999) Sedimento. Métodos en ecología de aguas continentales. Universidad de la República, Montevideo, pp 40–52Asociación Empresarial de Productores de Cultivos Marinas (APROMAR) (2010) La Acuicultura Marina de Peces en España, pp. 69Baumgarten MGZ, Rocha JM, Niencheski LFH (1996) Manual de análises em oceanografia química, Rio GrandeBelias C, Dassenakis M, Scoullos M (2007) Study of the N, P and Si fluxes between fish farm sediment and seawater. Results of simulation experiments employing a benthic chamber under various redox conditions. Mar Chem 103:266–275Berelson WM, McManus J, Coale KH, Johnson KS, Burdige D, Kilgore T, Colodner D, Chavez F, Kudela R, Boucher J (2003) A time series of benthic flux measurements from Monterey Bay, CA. Cont Shelf Res 23:457–481Black KD, McDougall N (2002) Hydrography of four Mediterranean marine cage sites. J Appl Ichthyol 18:129–133Borja A, Rodríguez JG, Black K, Bodoy A, Emblow C, Fernandes TF, Forte J, Karakassis I, Muxika I, Nickell TD, Papageorgiou N, Pranovi F, Sevastou K, Tomassetti P, Angel D (2009) Assessing the suitability of a range of benthic indices in the evaluation of environmental impact of fin and shellfish aquaculture located in sites across Europe. Aquaculture 293:231–240Cermelj B, Ogrinc N, Faganeli J (2001) Anoxic mineralization of biogenic debris in near-shore marine sediments (Gulf of Trieste, northern Adriatic). Sci Total Environ 266:143–152Dell’Anno A, Mei ML, Pusceddu A, Danovaro R (2002) Assessing the trophic state and eutrophication of coastal marine systems: a new approach based on the biochemical composition of sediment organic matter. Mar Pollut Bull 44:611–622Dosdat A (2001) Environmental impact of aquaculture in the Mediterranean: nutritional and feeding aspects. Environmental impact assessment of Mediterranean aquaculture farms. Cah Options Méditerr CIHEAM-FAO 55:23–36Ferrón S, Ortega T, Forja JM (2009) Benthic fluxes in a tidal salt marsh creek by fish farm activities: Río San Pedro (Bay of Cádiz, SW Spain). Mar Chem 113:50–62Freitas U, Niencheski LFH, Zarzur S, Manzolli RP, Vieira JPP, Rosa LC (2008) Influência de um cultivo de camaraô sobre o metabolismo béntico e a qualidade da agua. Rev Bras Eng Agríc Ambient 12:293–301Hall POJ, Holby O, Kollberg S, Samuelsson MO (1992) Chemical fluxes and mass balances in a marine fish cage farm: IV. Nitrogen. Mar Ecol Prog Ser 89:81–91Hargrave B (2005) Environmental effects of marine finfish aquaculture. The handbook of environmental. chemistry, vol. 5. Part M. Springer, BerlinHargrave BT, Phillips GA, Doucette LI, White MJ, Milligan TG, Wildish DJ, Cranston RE (1997) Assessing benthic impacts of organic enrichment from marine aquaculture. Water Air Soil Pollut 99:641–650Heilskov AC, Holmer M (2001) Effects of benthic fauna on organic matter mineralization in fish-farm sediments: importance of size and abundance. ICES J Mar Sci 58:427–434Herbert RA (1999) Nitrogen cycling in coastal marine ecosystems. FEMS Microbiol Rev 23:563–590Holby O, Hall POJ (1991) Chemical fluxes and mass balances in a marine fish cage farm. 11. Phosphorus. Mar Ecol Prog Ser 70:263–272Holby O, Hall POJ (1994) Chemical fluxes and mass balances in a marine fish cage farm. III. Silicon. Aquaculture 120:305–318Jackson C, Preston N, Thompson PJ (2004) Intake and discharge nutrient loads at three intensive shrimp farms. Aquacult Res 35:1053–1061Karakassis I, Tsapakis M, Hatziyanni E (1998) Seasonal variability in sediment profiles beneath fish farm cages in the Mediterranean. Mar Ecol Prog Ser 162:243–252Kaymakci A, Aksu M, Egemen O (2010) Impacts of the fish farms on the water column nutrient concentrations and accumulation of heavy metals in the sediments in the eastern Aegean Sea (Turkey). Environ Monit Assess 162:439–451Lorenti M, De Falco G (2004) Measurements and characterization of abiotic variables. In: Gambi MC, Diappiano M (eds) Mediterranean marine benthos: a manual of methods for its sampling and study. Societa Italiana di Biologia Marina, Genova, pp 1–37Maldonado M, Carmona MC, Echeverría Y, Riesgo A (2005) The environmental impact of Mediterranean cage fish farms at semi-exposed locations: does it need a re-assessment? Helgol Mar Res 59:121–135Mantzavrakos E, Kornaros M, Lyberatos G, Kaspiris P (2007) Impacts of a marine fish farm in Argolikos Gulf (Greece) on the water column and the sediment. Desalination 210:110–124Mazzola A, Mirto S, La Rosa T, Fabiano M, Danovaro R (2000) Fish-farming effects on benthic community structure in coastal sediments: analysis of meiofaunal recovery. ICES J Mar Sci 57:1454–1461Molina L, Vergara JM (2005) Impacto ambiental de jaulas flotantes: estado actual de conocimientos y conclusiones prácticas. Bol Inst Esp Oceanogr 21:75–81Morán XAG, Estrada M (2005) Winter pelagic photosynthesis in the NW Mediterranean Deep-Sea. Research I 52:1806–1822Neofitou N, Klaoudatos S (2008) Effect of fish farming on the water column nutrient concentration in a semi-enclosed gulf of the Eastern Mediterranean. Aquac Res 39:482–490Niencheski LF, Jahnke RA (2002) Benthic respiration and inorganic nutrient fluxes in the estuarine región of Patos Lagoon (Brazil). Aquat Geochem 8:135–152Nizzoli D, Bartoli M, Viaroli P (2007) Oxygen and ammonium dynamics during a farming cycle of the bivalve Tapes philippinarum. Hydrobiologia 587:25–36Pergent-Martini C, Boudouresque CF, Pasqualini V, Pergent G (2006) Impact of fish farming facilities on Posidonia oceanica meadows: a review. Mar Ecol 27:310–319Pitta P, Karakassis I, Tsapakis M, Zivanovic S (1999) Natural versus mariculture induced variability in nutrients and plankton in the Eastern Mediterranean. Hydrobiologia 391:181–194Redfield AC, Ketchum BH, Richards FA (1963) The influence of organisms on the composition of seawater. In: Hill MN (ed) The sea, vol 2. Interscience, New YorkRiise JC, Roos N (1997) Benthic metabolism and the effects of bioturbation in a fertilized polyculture fish pond in northeast Thailand. Aquaculture 150:45–62Rodríguez J (1999) Ecología. Ed. Pirámide. pp 411Sakamaki T, Nishimura O, Sudo R (2006) Tidal time-scale variation in nutrient flux across the sediment-water interface of an estuarine tidal flat. Estuar Coast Shelf Sci 67:653–663Sarà G, Scilipoti D, Milazzo M, Modica A (2006) Use of stable isotopes to investigate dispersal of waste from fish farms as a function of hydrodynamics. Mar Ecol Prog Ser 313:261–270Shepard FP (1954) Nomenclature based on sand-silt-clay relations. J Sediment Petrol 24:151–158Siokou-Frangou I, Christaki U, Mazzocchi MG, Montresor M, Ribera d’Alcalá M, Vaqué D, Zingone A (2010) Plankton in the open Mediterranean Sea: a review. BG 7:1543–1586Warnken KW, Gill GA, Lehman R, Dellapenna T, Allison MA (2002) The effects of shrimp trawling on sediment oxygen demand and the release of trace metals and nutrients from estuarine sediments. Estuar Coast Shelf Sci 57:25–42Yucel-Gier G, Kucuksezgin F, Kocak F (2007) Effects of fish farming on nutrients and benthic community structure in the Eastern Aegean (Turkey). Aquac Res 38:256–26

Review of experimental methods to determine spontaneous combustion susceptibility of coal – Indian context

This paper presents a critical review of the different techniques developed to investigate the susceptibility of coal to spontaneous combustion and fire. These methods may be sub-classified into the two following areas: (1) Basic coal characterisation studies (chemical constituents) and their influence on spontaneous combustion susceptibility. (2) Test methods to assess the susceptibility of a coal sample to spontaneous combustion. This is followed by a critical literature review that summarises previous research with special emphasis given to Indian coals

Palaeostress inversion in a multiphase deformed area: Kinematic and structural evolution of the Cankiri Basin (central Turkey), Part 1 - northern area

The kinematic and structural evolution of the major structures affecting the Çankırı Basin, central Turkey, has been deduced from a palaeostress inversion study. Four palaeostress tensor configurations indicative of four-phase structural evolution have been constructed from the fault slip data collected from the Çankırı Basin. The first two phases indicate the dominant role of thrusting and folding, and are attributed to the collision between the Pontides and the Taurides, the proposed interface of which is straddled by the Çankırı Basin. Phase 1 occurred in the pre-Late Palaeocene and Phase 2 in the Late Palaeocene-pre-Burdigalian. The third phase is dominated by extensional deformation in the Middle Miocene. The latest phase has been active since then and is characterized by regional transcurrent tectonics

Lithospheric structural control on inversion of the southern margin of the Black Sea Basin, Central Pontides, Turkey

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Planar Seismic Source Characterization Models Developed for Probabilistic Seismic Hazard Assessment of Istanbul

This contribution provides an updated planar seismic source characterization (SSC) model to be used in the probabilistic seismic hazard assessment (PSHA) for Istanbul. It defines planar rupture systems for the four main segments of the North Anatolian fault zone (NAFZ) that are critical for the PSHA of Istanbul: segments covering the rupture zones of the 1999 Kocaeli and Düzce earthquakes, central Marmara, and Ganos/Saros segments. In each rupture system, the source geometry is defined in terms of fault length, fault width, fault plane attitude, and segmentation points. Activity rates and the magnitude recurrence models for each rupture system are established by considering geological and geodetic constraints and are tested based on the observed seismicity that is associated with the rupture system. Uncertainty in the SSC model parameters (e.g., b value, maximum magnitude, slip rate, weights of the rupture scenarios) is considered, whereas the uncertainty in the fault geometry is not included in the logic tree. To acknowledge the effect of earthquakes that are not associated with the defined rupture systems on the hazard, a background zone is introduced and the seismicity rates in the background zone are calculated using smoothed-seismicity approach. The state-of-the-art SSC model presented here is the first fully documented and ready-to-use fault-based SSC model developed for the PSHA of Istanbul