OSU-AGRANI Bank Rural Deposit Mobilization Experiment

Three models of incentive mechanisms to mobilize rural bank deposits were experimented with between February 1, 1986 and April 30, 1986 in three branches in each of two regions in Bangladesh. One model, the Tangible Incentive Model, was designed to test tangible incentives given to depositors, in addition to the normal interest income, for opening a new account or adding to an existing account and maintaining in those accounts an additional deposit of Tk. 500 or more for at least 90 days. Prize bonds valued at one percent of the eligible deposit balance were given to the depositors. Another model, the Marketing Model, was designed to test the impact of cash incentives paid to two specially appointed Field Assistants in the branch for marketing of bank deposits. The Field Assistants were paid Tk. 150 per month for incidental expenses, and an incentive bonus of one percent of eligible deposits mobilized of Tk. 1000 or more, and 10 or more accounts opened or reactivated. The third model, Employee Incentive Model, was designed to test additional financial incentives given to existing branch staff beyond the benefits currently provided. The branch staff, except the Manager, received the same incentive bonus and at the same rate as the Field Assistants in the Marketing Model. Over 800 new accounts were opened or dormant accounts reactivated in the six branches through the experiment. Total deposits of Tk. 1.4 billion were mobilized by these accounts. These deposits ranged from one percent to over eight percent of the branch's existing deposit base. The increase in number of accounts ranged from over one-half of one percent to almost thirteen percent of the branch's existing number of accounts. The Tangible Incentive Model produced the most cost effective result in generating new deposits and deposit accounts at the lowest cost per taka or per account mobilized. This model clearly shows that rural deposits can be mobilized by direct incentives. The overall implication of the experiment is that banks can mobilize rural deposits if serious efforts are made to reach this objective with appropriate incentive schemes

Experimental and numerical study of the behavior of RC slabs with openings reinforced by metal mesh under impact loading

The main objective of the following work is to inspect the effect of reinforcing metal mesh on the behavior of slabs with openings under impact loadings. Based on an earlier numerical study by Shaheen et al. (2017), slabs with mid-side openings revealed the worst behavior regarding to deflection and cracked pattern when subjected to impact loading compared to other slabs with different locations of openings. Hence, the present work focuses specifically on this type of slabs and the variation in their behavior when reinforced by welded or expanded metal mesh. Seven specimens were prepared and tested in Faculty of Engineering, Menoufia University, Egypt. Moreover, a FE model for the slabs was built using Abaqus 6.14 and verified against test results. It was found that expanded metal mesh had a significant effect on reducing deflection due to impact load as well as controlling of cracks in contrast with welded metal mesh

An Arabic CCG approach for determining constituent types from Arabic Treebank

AbstractConverting a treebank into a CCGbank opens the respective language to the sophisticated tools developed for Combinatory Categorial Grammar (CCG) and enriches cross-linguistic development. The conversion is primarily a three-step process: determining constituents’ types, binarization, and category conversion. Usually, this process involves a preprocessing step to the Treebank of choice for correcting brackets and normalizing tags for any changes that were introduced during the manual annotation, as well as extracting morpho-syntactic information that is necessary for determining constituents’ types. In this article, we describe the required preprocessing step on the Arabic Treebank, as well as how to determine Arabic constituents’ types. We conducted an experiment on parts 1 and 2 of the Penn Arabic Treebank (PATB) aimed at converting the PATB into an Arabic CCGbank. The performance of our algorithm when applied to ATB1v2.0 & ATB2v2.0 was 99% identification of head nodes and 100% coverage over the Treebank data

Influence of Annealing Temperature on Structural, Electrical, and Magnetic Properties of Nd0.7Ca0.3MnO3

In this paper, we investigated the effect of annealing temperature on the electrical and magnetic properties of polycrystalline Nd0.7Ca0.3MnO3 synthesized using the well-known solid-state reaction technique. After the formation of the required Perovskite crystal structure phase, another annealing treatment has been done. The selected annealing temperatures are 700, 800, and 900°C for 12 hours. Structural refinement of the X-ray diffraction patterns showed the formation of a single orthorhombic crystal structure phase the of P b n m space group in Nd0.7Ca0.3MnO3 without any impurity peaks. From magneto-resistance measurements, we found that NCMO samples have high-colossal magnetoresistance (CMR). Moreover, the under-investigated NCMO samples showed a high power factor. The resistivity data in the insulating region (T \u3eTMI) were analyzed by considering, the Mott-variable range hopping model. The phase transition temperature showed dependence on the grain size, where Curie temperature (TC) increases with an increase in the grain size

Investigating the influence of mineral fillers at Australian asphalt mixtures

It is commonly known that mineral fillers significantly affect the asphalt mixture's performance. Superior flexible pavement performance can be ensured by gaining a deeper understanding of the function of filler. This research investigates the influence of three different fillers: granite dust, cement, and hydrated lime, at Australian asphalt mixtures. The testing program includes Marshall testing, moisture damage resistance, indirect tensile strength (ITS), and indirect tensile stiffness modulus (ITSM) tests of asphalt mixtures. Analysis of variance (ANOVA) was used to statistically assess the results obtained, besides damage analysis. The results indicate that using natural granite dust yields the highest resistance to moisture, while cement produces the highest stability, ITS, and ITSM. Unexpectedly, using hydrated lime filler decreases the stability/stiffness and moisture resistance of asphalt mixtures. ANOVA tests indicate that the type of filler affects ITS, TSR, and ITSM results (i.e., the p-value <0.05). The damage analysis shows that the design life of the asphalt mixture made with cement filler is higher than that of mixtures made with natural granite dust and hydrated lime fillers respectively. The findings indicate the important role of nontraditional fillers at the performance of Australian asphalt mixtures

The Impact of Technological and Marketing Innovations on Retailing Industry: Evidence of India

Innovation is usually linked with technology-based change. Retailers form a significant sector in the developed economies and also are picking up in the developing economies. There have been few studies in the area of innovation in the retail industry in both conceptual as well as empirical points of view. The objective of this study is to study the impact of marketing and technological innovations on the retail industry. The sample of the study was drawn from the customers who live in the city of Aligarh in India. The study is conclusive, descriptive and is based on a single cross-sectional research design. Quantitative data was generated on the basis of the research instrument (a questionnaire). The study concluded that technological innovation is more important than marketing innovation with respect to World of Mouth (WOM) referral and satisfaction. Furthermore, the study revealed that technological innovation has an impact on store image, customer value, brand store equity, satisfaction, WOM referral, and WOM activity. The study also recommended that a retailer can take some advantages of introducing new technologies. This means investing in technologies would help in increasing market share and competitiveness of the retail sector in the long-run

Investigating the influence of mineral fillers at Australian asphalt mixtures

It is commonly known that mineral fillers significantly affect the asphalt mixture's performance. Superior flexible pavement performance can be ensured by gaining a deeper understanding of the function of filler. This research investigates the influence of three different fillers: granite dust, cement, and hydrated lime, at Australian asphalt mixtures. The testing program includes Marshall testing, moisture damage resistance, indirect tensile strength (ITS), and indirect tensile stiffness modulus (ITSM) tests of asphalt mixtures. Analysis of variance (ANOVA) was used to statistically assess the results obtained, besides damage analysis. The results indicate that using natural granite dust yields the highest resistance to moisture, while cement produces the highest stability, ITS, and ITSM. Unexpectedly, using hydrated lime filler decreases the stability/stiffness and moisture resistance of asphalt mixtures. ANOVA tests indicate that the type of filler affects ITS, TSR, and ITSM results (i.e., the p-value <0.05). The damage analysis shows that the design life of the asphalt mixture made with cement filler is higher than that of mixtures made with natural granite dust and hydrated lime fillers respectively. The findings indicate the important role of nontraditional fillers at the performance of Australian asphalt mixtures

Chemical Investigation of Some Capparis Species Growing in Egypt and their Antioxidant Activity

Capparis cartilaginea and C. deserti growing in Egypt were investigated for their glucosiolates and rutin content. From Capparis cartilaginea four isothiocynates were isolated and identified using GC and EI/MS techniques. These compounds were butyl isothiocyanate (1), 6-methylsulphonylhexyl isothiocyanate (2), 7-methylsulphonylheptyl isothiocyanate (3) and 5-benzylsulphonyl-4-pentenyl isothiocyanate (4). In addition to compounds (1) and (2), two other compounds were isolated and identified from Capparis deserti. These compounds are 3-methylthiopropyl isothiocyanate (5) and [11-(2-butenylthio)6-undecenyl isothiocyanate] (6). Compounds (1), (2), (5) and (6) are reported in this study for the first time from Capparis deserti. The main flavonoid component in the studied species was isolated and identified as rutin by comparing the data with those reported. Also, quantitative evaluation of rutin in the two species was carried out by TLC-densitometric analysis. The antioxidant activity was done using diphenylpicrylhydrazyl (DPPH) radical scavenging method. The butanol fraction from C. cartilaginea and C. deserti showed the highest antioxidant properties