Insurance Demand in Emerging Asian and OECD countries: A Comparative Perspective

Purpose: In this paper we aim to assess insurance demand across selected Asian and OECD countries during the period of the global financial crisis. Methodology: We collected data from 55 emerging Asian and OECD countries during the period of the global financial crisis. Our methodology relies on panel regressions. Separate models are run for the Asia/OECD economies and a follow-up distinction between high/low income regions is also made. Findings: We find that global financial crisis affects negatively the general insurance demand particularly in high-income region. Higher dependency ratio in Asia tends to decrease insurance demand, whereas Education in case of Asia positively influences insurance demand indicating that higher literacy rate can be helpful to capture the potential customers. Our results further reveal that life insurance is an important driver for insurance demand in OECD countries whereas general insurance demand is higher in the Asian economies. Research Limitation: A limitation of this study is that data sets employed do not differentiate between different life and general insurance products. Practical Implications: This study is helpful for regulators, policy makers and insurance providers to evaluate, assess and monitor insurance demand in relevant countries. Originality: This is one of the pioneering studies that have assessed insurance demand among emerging Asian and OECD countries during the period of the global financial crisis

A comparison of Islamic and conventional insurance demand: Worldwide evidence during the Global Financial Crisis

In this paper we compare the Islamic insurance industry (Takaful) to the conventional insurance across 14 countries over the 2005–2014 period. Our methodology relies on panel regressions and accounts for the periods during and post the global financial crisis (GFC). Specifically, we investigate: i) the difference in the insurance demand dynamics of the two insurance types; ii) if Islamic insurance demand has been boosted in the period that followed the crisis. To allow for cross-country heterogeneities we form sub-samples of high/low insurance regions and ASEAN/Middle East. We find Islamic and conventional insurance demand to be negatively affected by GDP/capita, albeit the Islamic showing a greater resilience during crisis. A negative link between conventional insurance and saving rate shows that conventional saving products work as substitutes to conventional insurance. Higher average income is positively (negatively) related to Islamic insurance demand in the Middle East (ASEAN), a finding plausibly related to the different practices relating to Islamic finance in the two regions

The Epidemiological Characteristics of Epilepsy in the Province of Khyber Pakhtunkhwa, Pakistan

Previous studies have shown that Khyber Pakhtunkhwa, Pakistan has a high incidence of epilepsy and a high proportion of low socioeconomic background and high treatment gap. Considering the changes over the past 20 years little is known about the current epidemiological characteristics of epilepsy in Khyber Pakhtunkhwa, Pakistan. The current study was focused to find the impact of various contributing factors on the clinical response to anti-epileptic drugs in the KP population, Pakistan. A total of 315 participants aged 19.1 ± 8.6 years were examined. Mean age of the patients was 18 ± 8.1 year. Epilepsy was high in male patients (64.39%) and urban areas (60.1%). Mostly, 88.6% of patients were belonging to low socioeconomic status background. 42.4% patients have positive family history for epilepsy and 42.8% patients had consanguineous marriages. Middle SES class patients (OR, 2.22 [CI, 0.54–9.1]) were slightly associated with controlled response to CBZ and VPA therapy. Absence seizure (OR, 1.16 [CI, 0.59–2.3]), and Complex partial seizure (OR, 1.29 [CI, 0.58–6.3]) showed good response to CBZ therapy while, Myoclonic seizure (OR, 2.23 [CI, 0.05–8.8]) was responsive to VPA therapy. However, non-compliance (R2 0.82, P < 0.0001) and nature of seizures (R2 0.83, P < 0.0001) were associated with the high risk for poor response to both CBZ and VPA therapy. Epilepsy was high in male patients and in urban areas. Most patients were belonging to low socioeconomic status. Non-compliance, low socioeconomic and nature of seizures strongly predict poor clinical response of anti-epileptic drugs therapy

Parallelisation of a cache-based stream-relation join for a near-real-time data warehouse

Near real-time data warehousing is an important area of research, as business organisations want to analyse their businesses sales with minimal latency. Therefore, sales data generated by data sources need to reflect immediately in the data warehouse. This requires near-real-time transformation of the stream of sales data with a disk-based relation called master data in the staging area. For this purpose, a stream-relation join is required. The main problem in stream-relation joins is the different nature of inputs; stream data is fast and bursty, whereas the disk-based relation is slow due to high disk I/O cost. To resolve this problem, a famous algorithm CACHEJOIN (cache join) was published in the literature. The algorithm has two phases, the disk-probing phase and the stream-probing phase. These two phases execute sequentially; that means stream tuples wait unnecessarily due to the sequential execution of both phases. This limits the algorithm to exploiting CPU resources optimally. In this paper, we address this issue by presenting a robust algorithm called PCSRJ (parallelised cache-based stream relation join). The new algorithm enables the execution of both disk-probing and stream-probing phases of CACHEJOIN in parallel. The algorithm distributes the disk-based relation on two separate nodes and enables parallel execution of CACHEJOIN on each node. The algorithm also implements a strategy of splitting the stream data on each node depending on the relevant part of the relation. We developed a cost model for PCSRJ and validated it empirically. We compared the service rates of both algorithms using a synthetic dataset. Our experiments showed that PCSRJ significantly outperforms CACHEJOIN

Enhancing the Expression and Purification of IL-29: A study of autoinduction and one-step Purification Methods

Background: Cytokines have long been viewed as a sign of hope due to their immunomodulatory and therapeutic characteristics. Developing simple, economical and readily scaled technologies to simplify their manufacturing is a critical challenge.Method: In this study we have used a customized medium to automatically induce the expression of the IL-29 in E. coli expression system from the T7 promoter, allowing for higher yields as compared to the traditional technique of IPTG induction. Similarly, one-step purification method is employed to make the fermentation process cost-effective, along with enhancing its efficiency.Results: From 1 L batches of IPTG-induced and autoinduced media, the harvested biomass was 11.8 g and 13.4 g, respectively and their corresponding IBs were 3.8 g and 4.8 g. Total protein purified from 1 L batch was 132  mg, at a concentration of 13 mg/mL, with an indicated high purity of 97%. IL-29 significantly decrease the metabolic activity of HepG2 cells. Specifically, 50% of the cells died at a concentration of 0.156 μg/mL, while 80% of the cells died at a concentration of 5 μg/mL.Conclusion: This study presents an economical solution for producing and purifying IL-29 in E. coli, resulting in higher yields of biomass and IBs than expensive traditional method. The purified protein was highly pure and had immunomodulatory effects on HepG2 cells. These findings have important implications for developing simplified and scalable technologies for cytokine production with therapeutic potential.Keywords: Escherichia coli; Cytokines; Interleukins; Interferons; Protein purification    

Presence of BlaPER-1 and BlaVEB-1 Beta-Lactamase Genes among Isolates of Pseudomonas Aeruginosa from Burn and Trauma Hospital Peshawar, Pakistan

Pseudomonas aeruginosa spp are the most prevalent bacteria that cause nosocomial infections in hospitals. Most antibiotics, including novel new β-lactams, are already resistant to them, and they can become resistant during treatment, which can make the treatment fail. P. aeruginosa isolates from ICU patients who had Per-1 and VEB-1 were the main focus of this study. These two ESBLs are the two most common in ICU patients who had them. 50 isolates were gathered from Peshawar\u27s LRH ICU facilities in the year 2021. The antibiotic susceptibility test was conducted in accordance with the Clinical and Laboratory Standards Institute\u27s standards (CLSI). The combination disc test used to identify isolates that produce ESBLs. Ceftazidime MIC was determined using the agar dilution method using particular primers, the PER-1 and VEB-1 genes were detected using polymerase chain reaction (PCR). Fifty-six percent patients (n=40) male, whereas forty percent (n=25) were female. Augmentin (96.6%, n=61) and cefpodoxim (86.7%, n=55) resistance was found in the majority of ICU isolates. Fifty isolates (77%) tested positive for ESBL, with 94 percent (n=47) carrying the PER-1 gene and VEB-1 gene 52 percent (n=26). Ten isolates had blaPER1 and blaVEB1 present at the same time, and seven of them amplified all three genes. ESBL producers were found in a large number of ICU P. aeruginosa isolates. Although blaVEB1 and blaPER1 were found in a small number of isolates, their frequency was very high. Furthermore, carbapenem resistance was negligible. Because of drug-resistant P. aeruginosa isolates, it is vital to monitor ICU centers

Structured knowledge creation for Urdu language: A DBpedia approach

Wikipedia information is extracted by DBpedia and linked to other web resources as Linked Open Data, which is an important contribution to the field of semantics. As part of its internationalisation endeavour, DBpedia now has 20 language chapters that have been mapped to it; nonetheless, there have been very few attempts from Urdu. This article outlines the procedures and highlights the efforts put forward as the first contribution to the manual creation of Urdu mappings with DBpedia Ontology classes. Our approach led to an increase in the number of mapped infoboxes, thus enhancing the DBpedia. The mapping procedure is broken down into two parts. The infobox template is first mapped to the DBpedia ontology's relevant class, and then the attributes of the infobox are mapped to the properties of that class. In addition, alongside other mapped languages, Urdu labels are included to the description of Ontology classes. We have covered around a thousand properties and attributes of Urdu with English DBpedia Ontology on DBpedia mapping server

Agro-morphological and genetic diversity studies in Rice (Oryza sativa L.) germplasm using microsatellite markers

Background Knowledge of the genetic diversity and population structure of germplasm collections is an important foundation for crop improvement. Rice production across a broad range of rice-growing environments results in a diverse array of local rice varieties. Many rice varieties have been lost as a result of biodiversity loss and are now grown in Pakistan. Methods and results To protect the biodiversity of rice varieties, an experiment was carried out to check the genetic and morphological variations between 8 exotic and 7 local rice genotypes, using 5 different SSR markers, i.e., RM3, RM259, RM341, RM520, and RM11943. The analysis of morphological and quality traits of rice observed significant variation across genotypes. The results revealed that genotype Irri-Pak attained the highest plant height and primary branch plant-1, while genotype Mushkan produced a higher number of productive tillers and obtained a higher fertility factor (%). Similarly, the highest value for panicle length was observed for genotype Faker-e-Malakand, 1000-grains weight in genotype Calmochi, and maximum days to maturity was noticed in genotype Swati-2014. Moreover, the genotype Brio attained the highest value of stem diameter, while maximum seed length was noted in the genotype Sug Dasi. The highest number of primary branches plant(-1) in genotype Ibge-I and secondary branches plant(-1) in genotype Calmochi were noticed. A higher concentration of sodium and potassium was observed for the genotype Marte, while the genotype Muskan attained the maximum content of copper. Moreover, the highest concentration of iron in genotype Originario, zinc in genotype JP-5, and cadmium content were noticed in genotype Ibge. Similarly, the dendrogram analysis for quantitative parameters showed three clusters at 74.13% similarities. Whereas all the genotypes of European origin formed a separate cluster. A set of 5 simple sequence repeat primers, covering four chromosomes, amplified a total of 14 alleles and showed 100% polymorphism with an average PIC value ranging from 0.39 to 0.91. The UPGMA cluster analysis separated the 15 rice genotypes into 3 main groups based on 32.5% similarities and the highest genetic distance (45.1%) was observed between two genotypes (Fakher-e-malakand and Musa), having different geographical origins. There was no genetic distance between the genotypes Marte and Brio, irrespective of having the same origin. Conclusions The maximum genetic distances were noted for genotype, Fakhre-e-Malakand and Musa having a different origin, while the minimum genetic distance was shown by genotypes, Marte and Onice, from the same origin.Peer reviewe

An iris based lungs pre-diagnostic system

© 2019 IEEE. Personal use of this material is permitted. Permission from IEEE must be obtained for all other uses, in any current or future media, including reprinting/republishing this material for advertising or promotional purposes,creating new collective works, for resale or redistribution to servers or lists, or reuse of any copyrighted component of this work in other works.Human lungs are essential respiratory organs. Different Obstructive Lung Diseases (OLD) such as bronchitis, asthma, lungs cancer etc. affects the respiration. Diagnosing OLD in the initial stage is better than diagnosing and curing them later. The delay in diagnosing OLD is due to expensive diagnosing tool and experts requirement. Therefore, a non-invasive diagnosing tool for OLD is required that identifies dysfunctional lungs without the support of expert, complex and expensive diagnosing types of equipment. In this work, we design an Iris based Lungs Pre-diagnostic System (ILPS). The ILPS takes iris images as input and identifies dysfunctional Lungs based on iridology map. While testing with 50 lungs patients, the results confirm that the ILPS identifies dysfunctional lungs patients with the accuracy of 88%.The research leading to these results has received funding from the Higher Education Commission under NRPU 2017/18.Peer ReviewedPostprint (author's final draft