Liberalization, bankers’ motivation and productivity: a simple model with an application

Proponents of financial liberalization argue that deregulation motivates bankers to increase their effort and operate at a higher level of efficiency and productivity. Sceptics, however, see that liberalization engenders economic instability and banking crises, and impedes growth. Bank efficiency and productivity, following liberalization, is extensively examined. Nonetheless, the core issue of bankers’ self-motivation remains implicitly assumed and unaddressed. Does liberalization self-motivate bankers and increase their efforts and productivity? This paper models bank productivity from this perspective and evaluates what proportion of banks’ total factor productivity is accounted for by the self-motivated productivity of bankers. We provide a micro-founded framework for the analyses of bankers’ optimal level of effort and effort-driven productivity. Our model also captures banks’ unit input-output prices, optimal wages, bank spread and the overall cost of bank services – measures that are important in evaluating reform policies. We assess the financial liberalization of Nepal as a test case and find that (i) bankers’ efforts and productivity have notably improved in Nepal, although banking services have become costly, and (ii) bank spread has moderately declined in recent years. Our approach is parametric which differs from DEA, hence complements the literature. We hope this analytical framework will be useful to evaluate reform episodes elsewhere

Structural evaluation of concrete expanded polystyrene sandwich panels for slab applications

Sandwich panels are being extensively and increasingly used in building construction because they are light in weight, energy efficient, aesthetically attractive and can be easily handled and erected. This paper presents a structural evaluation of Concrete-Expanded Polystyrene (CEPS) sandwich panels for slab applications using finite element modeling approach. CEPS panels are made of expanded polystyrene foam sandwiched between concrete skins. The use of foam in the middle of sandwich panel reduces the weight of the structure and also acts as insulation against thermal, acoustics and vibration. Applying reinforced concrete skin to both sides of panel takes the advantages of the sandwich concept where the reinforced concrete skins take compressive and tensile loads resulting in higher stiffness and strength and the core transfers shear loads between the faces. This research uses structural software Strand7, which is based on finite element method, to predict the load deformation behaviour of the CEPS sandwich slab panels. Non linear static analysis was used in the numerical investigations. Predicted results were compared with the existing experimental results to validate the numerical approach used

Orthogonality in Terms of 2-HH Norm and Bounded Linear Operators in Banach Spaces

In the present paper, the generalization of the Carlson orthogonality for functionals to operators in Banach spaces has been studied. We will also investigate various properties related to the Carlsson, Birkhoff-James, and Pythagorean orthogonality for operators. Kikianty and Dragomir (2010) mentioned in their paper by stating that Pythagorean and isosceles orthogonality through the medium of 2 − HH norm satisfies the non-degeneracy, symmetry and continuity properties without mentioning detailed proof. This paper provides the complete proof of these properties as well as the equivalency of additivity and homogeneity of the isosceles orthogonality with the help of 2 − HH norm. In the case of norm attaining bounded linear operators in a Hilbert space, we prove an equivalence relation between the Pythagorean and isosceles orthogonality including result that the Pythagorean implies Birkhoff-James, whereas the converse is not necessarily true. Furthermore, we will study a new particular case of Carlsson orthogonality and show that this orthogonality implies Birkhoff-James orthogonality, but the converse may not be true

Factors influencing the utilization of health facilities for childbirth in a disadvantaged community of Lalitpur, Nepal

Background: In Nepal, half of deliveries take place at home (HMIS 2014), while institutional birth assisted by skilled birth attendants (SBAs) are still infrequent. Objectives: This study explores factors influencing the utilization of health facilities for childbirth in a disadvantaged community of rural Nepal. Method: A qualitative study with two focus groups: mothers-in-law and husbands, and female community health volunteers. 28 semi-structured in-depth interviews were conducted with selected participants 20 mothers and 8 grass-root and policy level stakeholders. Data were analysed by three delays model of conceptual framework. Results: The main reasons for giving birth at home included cultural tradition, lack of awareness about danger signs during pregnancy and childbirth, about importance of skilled birth attendants and lack of knowledge about availability of free 24-hours delivery sites/birthing centers, inability to afford two way transportation costs despite transport incentives provided by government for institutional delivery, fear of episiotomy/surgery/physical abuse and health service provider’s attitude for home delivery. Health facilities were mostly used by women who experienced complications during childbirth Policy Implications: Significant gaps from policy to grass root levels were identified which -suggests that dissemination of information about free delivery must be more effective. The health workers should convincingly inform families about benefits of institutional delivery, especially in marginalized/disadvantaged communities

Occurrence of Unapproved Pesticides and their Ecotoxicological Significance for an Agriculturally Influenced Reservoir and its Tributaries in Nepal

Many catchments in Nepal are affected by intensive agricultural activities, leading to extensive pesticide usages. This study aimed to assess pesticide abundance in concurrently collected water, sediment and fish samples for the first time in intensively cultivated catchment (Indra Sarowar) located in the mid-hill region of Nepal during the rice and vegetables growing season. A total of 75 pesticides were analysed, of which 4 pesticides (alachlor, diuron, metalaxyl and pyrimethanil) were present in water with detection frequency (DF) > 40%, with alachlor (0.62 – 2.68 µg L−1) being ubiquitous. In the sediment of tributaries, the pesticides p,p′-DDT, β-HCH, alachlor and diuron were detected with DF exceeding 40%, where β-HCH was commonly observed (DF = 92%) with concentration ranging from 6.29 – 99.22 µg kg−1. The ecotoxicological risk indicated that herbicides (alachlor and diuron) posed a high risk to aquatic organisms in both tributaries and reservoir water. Such risk in sediment was even more pronounced, with alachlor and diuron showing up to 2.3 and 53.7 times higher risk respectively compared to water samples. However, none of these herbicides were detected in fish muscles. Among the fish species studied, pyrimethanil was the only quantified pesticide in edible tissue of both cage cultured (0.35 – 1.80 µg g−1 ww) and open stock fishes (0.06 – 1.12 µg g−1 ww). The consumer risk assessment showed very low human health risk associated with fish consumption (HQ < 0.2). Nonetheless, long-term consumption of contaminated fish may pose some risk that cannot be ignored. Overall, this study generated the benchmark data highlighting pervasive presence of banned (DDT, endosulfan, HCH) and unapproved (alachlor, diuron, pyrimethanil) pesticides in the environmental compartments in the mid-hill’s streams of Nepal

Polyarticular tuberculosis in a young boy: A rare presentation

Abstract Polyarticular tuberculosis involving bilateral hip and bilateral knee joints without obvious pulmonary or disseminated form of tuberculosis in a young boy is presented along with literature review

Techno-Economic Modelling of Micro-Hydropower Mini-Grids in Nepal to Improve Financial Sustainability and Enable Electric Cooking

In rural Nepal, micro-hydropower plant mini-grids provide renewable electricity to thousands of communities but the plants often have poor financial sustainability. Widespread uptake of electric cooking in such communities is currently not feasible due to high peak loads and limited capacity. In this paper, we develop a Remote-Areas Multi-Energy Systems Load Profiles (RAMP)-based stochastic techno-economic model for evaluating the economic viability of off-grid communities and improving their financial sustainability by introducing new appliances, productive end uses, and demand-side management measures. The model can be used to understand community electricity demand, assess economic status, determine equitable and profitable tariff structures, and plan new connections including electric cooking promotion or new industrial machines. Detailed electric cooking load modelling functionality was developed to represent Nepali cooking practices, scalable to approximate widespread uptake of electric cooking, and adaptable to other cookers and contexts. The model showed that a payment structure based on electricity consumption rather than a flat tariff could increase the income of a case study community in Eastern Nepal by 400%, although increased monthly payments for certain households from NPR 110 (USD 0.93) to NPR 500–1100 (USD 4.22–9.29) could present difficulty. However, households could reduce their electricity consumption and a more equitable tariff structure could be chosen while preserving plant profitability. The number of industrial machines such as mills could be doubled and up to 40 households provided with electric cookers if demand-side management measures were introduced

Prefrontal cortex supports speech perception in listeners with cochlear implants

Cochlear implants are neuroprosthetic devices that can restore hearing in people with severe to profound hearing loss by electrically stimulating the auditory nerve. Because of physical limitations on the precision of this stimulation, the acoustic information delivered by a cochlear implant does not convey the same level of acoustic detail as that conveyed by normal hearing. As a result, speech understanding in listeners with cochlear implants is typically poorer and more effortful than in listeners with normal hearing. The brain networks supporting speech understanding in listeners with cochlear implants are not well understood, partly due to difficulties obtaining functional neuroimaging data in this population. In the current study, we assessed the brain regions supporting spoken word understanding in adult listeners with right unilateral cochlear implants (n=20) and matched controls (n=18) using high-density diffuse optical tomography (HD-DOT), a quiet and non-invasive imaging modality with spatial resolution comparable to that of functional MRI. We found that while listening to spoken words in quiet, listeners with cochlear implants showed greater activity in the left prefrontal cortex than listeners with normal hearing, specifically in a region engaged in a separate spatial working memory task. These results suggest that listeners with cochlear implants require greater cognitive processing during speech understanding than listeners with normal hearing, supported by compensatory recruitment of the left prefrontal cortex

Methodological perspectives on the application of compound-specific stable isotope fingerprinting for sediment source apportionment

Compound-specific stable isotope (CSSI) fingerprinting of sediment sources is a recently introduced tool to overcome some limitations of conventional approaches for sediment source apportionment. The technique uses the C-13 CSSI signature of plant-derived fatty acids (delta C-13-fatty acids) associated with soil minerals as a tracer. This paper provides methodological perspectives to advance the use of CSSI fingerprinting in combination with stable isotope mixing models (SIMMs) to apportion the relative contributions of different sediment sources (i.e. land uses) to sediments. CSSI fingerprinting allows quantitative estimation of the relative contribution of sediment sources within a catchment at a spatio-temporal resolution, taking into account the following approaches. First, application of CSSI fingerprinting techniques to complex catchments presents particular challenges and calls for well-designed sampling strategies and data handling. Hereby, it is essential to balance the effort required for representative sample collection and analyses against the need to accurately quantify the variability within the system. Second, robustness of the CSSI approach depends on the specificity and conservativeness of the delta C-13-FA fingerprint. Therefore, saturated long-chain (> 20 carbon atoms) FAs, which are biosynthesised exclusively by higher plants and are more stable than the more commonly used short-chain FAs, should be used. Third, given that FA concentrations can vary largely between sources, concentration-dependent SIMMs that are also able to incorporate delta C-13-FA variability should be standard operation procedures to correctly assess the contribution of sediment sources via SIMMs. This paper reflects on the use of delta C-13-FAs in erosion studies and provides recommendations for its application. We strongly advise the use of saturated long-chain (> 20 carbon atoms) FAs as tracers and concentration-dependent Bayesian SIMMs. We anticipate progress in CSSI sediment fingerprinting from two current developments: (i) development of hierarchical Bayesian SIMMs to better address catchment complexity and (ii) incorporation of dual isotope approaches (delta C-13- and delta H-2-FA) to improve estimates of sediment sources