Implementation of Basel II in Microfinance Sector of Pakistan

The Basel, the new accord on banking regulation and supervision covers the risk of capital and credit risk. Basel II covers the additional risk of market which completes the first and second pillars. It includes the disclosure of basic information to its market participants. This information is a sum of risks that institution has to face, capital risk exposure, risk assessment process, capital adequacy of the bank, the techniques to account fall the risks. The aim of the study was to implement Basel II in microfinance sector of Pakistan. The study is unique because it is never analyzed before in microfinance sector of Pakistan. The discussion method was used for results and results of the study shows that new accord will definitely help the managers and practitioners to evaluate the performance of this sector. Keywords: Basel 1, Basel II, Capital Accord, Microfinance, CAR, Operational Risk, Market Risk

REDUCED INSECTICIDE APPLICATIONS CAN ENHANCE NATURAL ENEMIES OF BEMISIA TABACI IN COTTON

Excessive amount of insecticides destroys natural enemies of cotton pests and consequently the population of whitefly flares up. The present research focused on the use of PB ropes to reduce application of insecticides and to investigate the ecological impact on Bemisia tabaci and beneficial fauna in cotton fields. Two cotton varieties (BS-15 and NIAB-878) were sown in research area of MNS University of Agriculture, Multan during 2018 on 30 acres. PB ropes dispensers (PB-ropes L®) were installed at 120/acre at pin head square stage of cotton. It was observed that application of PB ropes reduced need for insecticide applications, thus helped conservation of beneficial fauna in cotton fields throughout the season, which kept whitefly populations below EIL. Population of whitefly nymph was reduced after application (0.9/leaf-seasonal average) in PB ropes treated fields as compared to untreated check (8.1/leaf-seasonal average). Furthermore, higher population of green lacewing (4.00/plant) was observed in PB ropes treated field. It was concluded that populations of whiteflies were kept below EIL due to conservation of green lacewing. This positive effect of PB ropes is presumably due to increasing the number of cotton insect pest biological agents. This indirect effect of mating disruption (PB ropes) is of great value within the framework of IPM in cotton

SERUM VITAMIN-D ANALYSIS: A CROSS SECTIONAL SURVEY AT LUMHS

Vitamin D is very important in children for teeth and bones development, its deficiency results in rickets while in adults it may present as osteomalacia, osteoporosis and arthritis causing joint pain. Supplementations (Oral or injectable) are required if serum levels fall below normal (30-50 ng/ml). Observational study conducted at LUMHS Jamshoro from November 2016 to November 2017. We evaluated 800 patients following selection through Probability sampling under inclusion and exclusion criteria analyzing the obtained data on SPSS version 22 using Student’s t-test. There were 429(53.63%) male and 313(46.37%) females Vitamin –D. Mean of the serum vitamin –D levels was15.61+9.64 ng/ml in men while it was 17.02+12.57ng/ml in women. 69.5% of the study population was found deficiency <20ng/ml while 15.5% were having insufficient levels<30ng/ml and only 15% showed normal levels 30-50ng/ml. There was a significant difference between the two genders with p value 0.082 Conclusion: Vitamin –D was found deficient in the study subjects with non-significant gender difference statistically. Key words: Vitamin-D, Osteoporosis, Arthritis, Ricket

Razvoj normaliziranog indeksa tla za urbane studije upotrebom podataka daljinskih mjerenja

This paper presents two novel spectral soil area indices to identify bare soil area and distinguish it more accurately from the urban impervious surface area (ISA). This study designs these indices based on medium spatial resolution remote sensing data from Landsat 8 OLI dataset. Extracting bare soil or urban ISA is more challenging than extracting water bodies or vegetation in multispectral Remote Sensing (RS). Bare soil and the urban ISA area often were mixed because of their spectral similarity in multispectral sensors. This study proposes Normalized Soil Area Index 1 (NSAI1) and Normalized Soil Area Index 2 (NSAI2) using typical multispectral bands. Experiments show that these two indices have an overall accuracy of around 90%. The spectral similarity index (SDI) shows these two indices have higher separability between soil area and ISA than previous indices. The result shows that percentile thresholds can effectively classify bare soil areas from the background. The combined use of both indices measured the soil area of the study area over 71 km2. Most importantly, proposed soil indices can refine urban ISA measurement accuracy in spatiotemporal studies.Ovaj rad prikazuje dva nova spektralna indeksa tla kako bi se identificiralo golo tlo te kako bi se bolje razlikovalo od urbanih nepropusnih površina (ISA). Ti indeksi su definirani na temelju srednje prostorne rezolucije daljinskih podataka Landsat 8 OLI skupa podataka. U multispektralnim daljinskim mjerenjima (RS) prepoznavanje golog tla ili urbane ISA podloge je složenije od prepoznavanja vodenih tijela ili podloge s vegetacijom. Zbog sličnosti spektara dobivenih multispektralnim senzorima golo tlo i urbana ISA površina često se ne razlučuju. Ova studija predlaže dva normalizirana indeksa tla (NSAI1 i NSAI2) korištenjem tipičnih multispektralnih pojaseva. Eksperimenti pokazuju da ta dva indeksa imaju sveukupnu točnost od približno 90%. Indeks spektralne sličnosti (SDI) pokazuje da ta dva indeksa razlikuju golo tlo od urbane ISA podloge bolje nego dosadašnji indeksi. Rezultati pokazuju da percentilni pragovi mogu efikasno razlučiti površine s golim tlom od pozadine. Kombiniranom upotrebom oba indeksa izmjerena je površina tla veća od 71 km2. Najznačajniji rezultat je taj da predloženi indeksi tla mogu poboljšati točnost mjerenja urbanih ISA u u prostorno-vremenskim studijama

Rapid assessment of price instability and paucity of medicines and protection for COVID-19 across Asia : findings and public health implications for the future

Background: Countries have introduced a variety of measures to prevent and treat COVID-19 with medicines and personal protective equipment (PPE), with some countries adopting preventative strategies earlier than others. However, there has been considerable controversy surrounding some treatments. This includes hydroxychloroquine where the initial hype and misinformation lead to shortages, price rises and suicides. Price rises and shortages have also been seen for PPE. Such activities can have catastrophic effects on patients where there are high co-payment levels and issues of affordability. Consequently, there is a need to investigate this further. Objective: Assess changes in the availability, utilization and prices of relevant medicines and PPE during the pandemic among a range of Asian countries. Our approach: Narrative literature review combined with interviews among community pharmacists to assess changes in consumption, prices and shortages of medicines and PPE from the beginning of March 2020 until end of May 2020. In addition, suggestions on ways to reduce misinformation. Results: 308 pharmacists took part from five Asian countries. There was an appreciable increase in the utilization of antimicrobials in Pakistan (in over 88% of pharmacies), with lower increases or no change in Bangladesh, India, Malaysia and Vietnam. Encouragingly, there was increased use of vitamins/immune boosters and PPE across the countries, as well as limited price rises for antimicrobials in India, Malaysia and Vietnam, although greater price rises seen for analgesics and vitamin C/immune boosters. Appreciable price increases were also seen for PPE across some countries. Conclusion: Encouraging to see increases in utilization of vitamins/immune boosters and PPE. However, increases in the utilization and prices of antimicrobials is a concern that needs addressing alongside misinformation and any unintended consequences from the pandemic. Community pharmacists can play a key role in providing evidence-based advice, helping to moderate prices, as well as helping address some of the unintended consequences of the pandemic

Mapping local patterns of childhood overweight and wasting in low- and middle-income countries between 2000 and 2017

A double burden of malnutrition occurs when individuals, household members or communities experience both undernutrition and overweight. Here, we show geospatial estimates of overweight and wasting prevalence among children under 5 years of age in 105 low- and middle-income countries (LMICs) from 2000 to 2017 and aggregate these to policy-relevant administrative units. Wasting decreased overall across LMICs between 2000 and 2017, from 8.4% (62.3 (55.1–70.8) million) to 6.4% (58.3 (47.6–70.7) million), but is predicted to remain above the World Health Organization’s Global Nutrition Target of <5% in over half of LMICs by 2025. Prevalence of overweight increased from 5.2% (30 (22.8–38.5) million) in 2000 to 6.0% (55.5 (44.8–67.9) million) children aged under 5 years in 2017. Areas most affected by double burden of malnutrition were located in Indonesia, Thailand, southeastern China, Botswana, Cameroon and central Nigeria. Our estimates provide a new perspective to researchers, policy makers and public health agencies in their efforts to address this global childhood syndemic

Global burden of 369 diseases and injuries in 204 countries and territories, 1990–2019: a systematic analysis for the Global Burden of Disease Study 2019

Background: In an era of shifting global agendas and expanded emphasis on non-communicable diseases and injuries along with communicable diseases, sound evidence on trends by cause at the national level is essential. The Global Burden of Diseases, Injuries, and Risk Factors Study (GBD) provides a systematic scientific assessment of published, publicly available, and contributed data on incidence, prevalence, and mortality for a mutually exclusive and collectively exhaustive list of diseases and injuries. Methods: GBD estimates incidence, prevalence, mortality, years of life lost (YLLs), years lived with disability (YLDs), and disability-adjusted life-years (DALYs) due to 369 diseases and injuries, for two sexes, and for 204 countries and territories. Input data were extracted from censuses, household surveys, civil registration and vital statistics, disease registries, health service use, air pollution monitors, satellite imaging, disease notifications, and other sources. Cause-specific death rates and cause fractions were calculated using the Cause of Death Ensemble model and spatiotemporal Gaussian process regression. Cause-specific deaths were adjusted to match the total all-cause deaths calculated as part of the GBD population, fertility, and mortality estimates. Deaths were multiplied by standard life expectancy at each age to calculate YLLs. A Bayesian meta-regression modelling tool, DisMod-MR 2.1, was used to ensure consistency between incidence, prevalence, remission, excess mortality, and cause-specific mortality for most causes. Prevalence estimates were multiplied by disability weights for mutually exclusive sequelae of diseases and injuries to calculate YLDs. We considered results in the context of the Socio-demographic Index (SDI), a composite indicator of income per capita, years of schooling, and fertility rate in females younger than 25 years. Uncertainty intervals (UIs) were generated for every metric using the 25th and 975th ordered 1000 draw values of the posterior distribution. Findings: Global health has steadily improved over the past 30 years as measured by age-standardised DALY rates. After taking into account population growth and ageing, the absolute number of DALYs has remained stable. Since 2010, the pace of decline in global age-standardised DALY rates has accelerated in age groups younger than 50 years compared with the 1990–2010 time period, with the greatest annualised rate of decline occurring in the 0–9-year age group. Six infectious diseases were among the top ten causes of DALYs in children younger than 10 years in 2019: lower respiratory infections (ranked second), diarrhoeal diseases (third), malaria (fifth), meningitis (sixth), whooping cough (ninth), and sexually transmitted infections (which, in this age group, is fully accounted for by congenital syphilis; ranked tenth). In adolescents aged 10–24 years, three injury causes were among the top causes of DALYs: road injuries (ranked first), self-harm (third), and interpersonal violence (fifth). Five of the causes that were in the top ten for ages 10–24 years were also in the top ten in the 25–49-year age group: road injuries (ranked first), HIV/AIDS (second), low back pain (fourth), headache disorders (fifth), and depressive disorders (sixth). In 2019, ischaemic heart disease and stroke were the top-ranked causes of DALYs in both the 50–74-year and 75-years-and-older age groups. Since 1990, there has been a marked shift towards a greater proportion of burden due to YLDs from non-communicable diseases and injuries. In 2019, there were 11 countries where non-communicable disease and injury YLDs constituted more than half of all disease burden. Decreases in age-standardised DALY rates have accelerated over the past decade in countries at the lower end of the SDI range, while improvements have started to stagnate or even reverse in countries with higher SDI. Interpretation: As disability becomes an increasingly large component of disease burden and a larger component of health expenditure, greater research and developm nt investment is needed to identify new, more effective intervention strategies. With a rapidly ageing global population, the demands on health services to deal with disabling outcomes, which increase with age, will require policy makers to anticipate these changes. The mix of universal and more geographically specific influences on health reinforces the need for regular reporting on population health in detail and by underlying cause to help decision makers to identify success stories of disease control to emulate, as well as opportunities to improve. Funding: Bill & Melinda Gates Foundation. © 2020 The Author(s). Published by Elsevier Ltd. This is an Open Access article under the CC BY 4.0 licens

Global age-sex-specific fertility, mortality, healthy life expectancy (HALE), and population estimates in 204 countries and territories, 1950-2019 : a comprehensive demographic analysis for the Global Burden of Disease Study 2019

Background: Accurate and up-to-date assessment of demographic metrics is crucial for understanding a wide range of social, economic, and public health issues that affect populations worldwide. The Global Burden of Diseases, Injuries, and Risk Factors Study (GBD) 2019 produced updated and comprehensive demographic assessments of the key indicators of fertility, mortality, migration, and population for 204 countries and territories and selected subnational locations from 1950 to 2019. Methods: 8078 country-years of vital registration and sample registration data, 938 surveys, 349 censuses, and 238 other sources were identified and used to estimate age-specific fertility. Spatiotemporal Gaussian process regression (ST-GPR) was used to generate age-specific fertility rates for 5-year age groups between ages 15 and 49 years. With extensions to age groups 10–14 and 50–54 years, the total fertility rate (TFR) was then aggregated using the estimated age-specific fertility between ages 10 and 54 years. 7417 sources were used for under-5 mortality estimation and 7355 for adult mortality. ST-GPR was used to synthesise data sources after correction for known biases. Adult mortality was measured as the probability of death between ages 15 and 60 years based on vital registration, sample registration, and sibling histories, and was also estimated using ST-GPR. HIV-free life tables were then estimated using estimates of under-5 and adult mortality rates using a relational model life table system created for GBD, which closely tracks observed age-specific mortality rates from complete vital registration when available. Independent estimates of HIV-specific mortality generated by an epidemiological analysis of HIV prevalence surveys and antenatal clinic serosurveillance and other sources were incorporated into the estimates in countries with large epidemics. Annual and single-year age estimates of net migration and population for each country and territory were generated using a Bayesian hierarchical cohort component model that analysed estimated age-specific fertility and mortality rates along with 1250 censuses and 747 population registry years. We classified location-years into seven categories on the basis of the natural rate of increase in population (calculated by subtracting the crude death rate from the crude birth rate) and the net migration rate. We computed healthy life expectancy (HALE) using years lived with disability (YLDs) per capita, life tables, and standard demographic methods. Uncertainty was propagated throughout the demographic estimation process, including fertility, mortality, and population, with 1000 draw-level estimates produced for each metric. Findings: The global TFR decreased from 2·72 (95% uncertainty interval [UI] 2·66–2·79) in 2000 to 2·31 (2·17–2·46) in 2019. Global annual livebirths increased from 134·5 million (131·5–137·8) in 2000 to a peak of 139·6 million (133·0–146·9) in 2016. Global livebirths then declined to 135·3 million (127·2–144·1) in 2019. Of the 204 countries and territories included in this study, in 2019, 102 had a TFR lower than 2·1, which is considered a good approximation of replacement-level fertility. All countries in sub-Saharan Africa had TFRs above replacement level in 2019 and accounted for 27·1% (95% UI 26·4–27·8) of global livebirths. Global life expectancy at birth increased from 67·2 years (95% UI 66·8–67·6) in 2000 to 73·5 years (72·8–74·3) in 2019. The total number of deaths increased from 50·7 million (49·5–51·9) in 2000 to 56·5 million (53·7–59·2) in 2019. Under-5 deaths declined from 9·6 million (9·1–10·3) in 2000 to 5·0 million (4·3–6·0) in 2019. Global population increased by 25·7%, from 6·2 billion (6·0–6·3) in 2000 to 7·7 billion (7·5–8·0) in 2019. In 2019, 34 countries had negative natural rates of increase; in 17 of these, the population declined because immigration was not sufficient to counteract the negative rate of decline. Globally, HALE increased from 58·6 years (56·1–60·8) in 2000 to 63·5 years (60·8–66·1) in 2019. HALE increased in 202 of 204 countries and territories between 2000 and 2019

Global burden of 288 causes of death and life expectancy decomposition in 204 countries and territories and 811 subnational locations, 1990–2021: a systematic analysis for the Global Burden of Disease Study 2021

BACKGROUND Regular, detailed reporting on population health by underlying cause of death is fundamental for public health decision making. Cause-specific estimates of mortality and the subsequent effects on life expectancy worldwide are valuable metrics to gauge progress in reducing mortality rates. These estimates are particularly important following large-scale mortality spikes, such as the COVID-19 pandemic. When systematically analysed, mortality rates and life expectancy allow comparisons of the consequences of causes of death globally and over time, providing a nuanced understanding of the effect of these causes on global populations. METHODS The Global Burden of Diseases, Injuries, and Risk Factors Study (GBD) 2021 cause-of-death analysis estimated mortality and years of life lost (YLLs) from 288 causes of death by age-sex-location-year in 204 countries and territories and 811 subnational locations for each year from 1990 until 2021. The analysis used 56 604 data sources, including data from vital registration and verbal autopsy as well as surveys, censuses, surveillance systems, and cancer registries, among others. As with previous GBD rounds, cause-specific death rates for most causes were estimated using the Cause of Death Ensemble model-a modelling tool developed for GBD to assess the out-of-sample predictive validity of different statistical models and covariate permutations and combine those results to produce cause-specific mortality estimates-with alternative strategies adapted to model causes with insufficient data, substantial changes in reporting over the study period, or unusual epidemiology. YLLs were computed as the product of the number of deaths for each cause-age-sex-location-year and the standard life expectancy at each age. As part of the modelling process, uncertainty intervals (UIs) were generated using the 2·5th and 97·5th percentiles from a 1000-draw distribution for each metric. We decomposed life expectancy by cause of death, location, and year to show cause-specific effects on life expectancy from 1990 to 2021. We also used the coefficient of variation and the fraction of population affected by 90% of deaths to highlight concentrations of mortality. Findings are reported in counts and age-standardised rates. Methodological improvements for cause-of-death estimates in GBD 2021 include the expansion of under-5-years age group to include four new age groups, enhanced methods to account for stochastic variation of sparse data, and the inclusion of COVID-19 and other pandemic-related mortality-which includes excess mortality associated with the pandemic, excluding COVID-19, lower respiratory infections, measles, malaria, and pertussis. For this analysis, 199 new country-years of vital registration cause-of-death data, 5 country-years of surveillance data, 21 country-years of verbal autopsy data, and 94 country-years of other data types were added to those used in previous GBD rounds. FINDINGS The leading causes of age-standardised deaths globally were the same in 2019 as they were in 1990; in descending order, these were, ischaemic heart disease, stroke, chronic obstructive pulmonary disease, and lower respiratory infections. In 2021, however, COVID-19 replaced stroke as the second-leading age-standardised cause of death, with 94·0 deaths (95% UI 89·2-100·0) per 100 000 population. The COVID-19 pandemic shifted the rankings of the leading five causes, lowering stroke to the third-leading and chronic obstructive pulmonary disease to the fourth-leading position. In 2021, the highest age-standardised death rates from COVID-19 occurred in sub-Saharan Africa (271·0 deaths [250·1-290·7] per 100 000 population) and Latin America and the Caribbean (195·4 deaths [182·1-211·4] per 100 000 population). The lowest age-standardised death rates from COVID-19 were in the high-income super-region (48·1 deaths [47·4-48·8] per 100 000 population) and southeast Asia, east Asia, and Oceania (23·2 deaths [16·3-37·2] per 100 000 population). Globally, life expectancy steadily improved between 1990 and 2019 for 18 of the 22 investigated causes. Decomposition of global and regional life expectancy showed the positive effect that reductions in deaths from enteric infections, lower respiratory infections, stroke, and neonatal deaths, among others have contributed to improved survival over the study period. However, a net reduction of 1·6 years occurred in global life expectancy between 2019 and 2021, primarily due to increased death rates from COVID-19 and other pandemic-related mortality. Life expectancy was highly variable between super-regions over the study period, with southeast Asia, east Asia, and Oceania gaining 8·3 years (6·7-9·9) overall, while having the smallest reduction in life expectancy due to COVID-19 (0·4 years). The largest reduction in life expectancy due to COVID-19 occurred in Latin America and the Caribbean (3·6 years). Additionally, 53 of the 288 causes of death were highly concentrated in locations with less than 50% of the global population as of 2021, and these causes of death became progressively more concentrated since 1990, when only 44 causes showed this pattern. The concentration phenomenon is discussed heuristically with respect to enteric and lower respiratory infections, malaria, HIV/AIDS, neonatal disorders, tuberculosis, and measles. INTERPRETATION Long-standing gains in life expectancy and reductions in many of the leading causes of death have been disrupted by the COVID-19 pandemic, the adverse effects of which were spread unevenly among populations. Despite the pandemic, there has been continued progress in combatting several notable causes of death, leading to improved global life expectancy over the study period. Each of the seven GBD super-regions showed an overall improvement from 1990 and 2021, obscuring the negative effect in the years of the pandemic. Additionally, our findings regarding regional variation in causes of death driving increases in life expectancy hold clear policy utility. Analyses of shifting mortality trends reveal that several causes, once widespread globally, are now increasingly concentrated geographically. These changes in mortality concentration, alongside further investigation of changing risks, interventions, and relevant policy, present an important opportunity to deepen our understanding of mortality-reduction strategies. Examining patterns in mortality concentration might reveal areas where successful public health interventions have been implemented. Translating these successes to locations where certain causes of death remain entrenched can inform policies that work to improve life expectancy for people everywhere. FUNDING Bill & Melinda Gates Foundation

Synergistic impacts of high-volume fly ash and sugarcane bagasse ash on performance of cementitious composites reinforced with polyvinyl alcohol fibers

Disposal of waste materials in fertile land is one of the pressing environmental issues, disrupting human, animal, and plant life. This has led the researchers to process and use such waste in ecofriendly construction products like mortar and concrete. Their usage as supplementary cementitious materials (SCMs) would reduce the quantity of cement used in the manufacturing of cement-based materials, lowering CO2 emissions related with cement production. In this regard, this study examines the feasibility of replacing high-volume of ordinary Portland cement (OPC) in engineered cementitious composites (ECC) with two widely used waste materials, sugarcane bagasse ash (SCBA) and fly ash (FA) as SCMs. Five different mixes were produced, each containing a fixed amount of polyvinyl alcohol (PVA) fibers at a dosage of 1.5 % by volume of the mix and a constant cement content of 50 % by weight of the binder (OPC + FA + SCBA). However, FA was replaced with SCBA in these mixes up to 100 % by the combined weight of the waste materials (FA + SCBA) in increments of 25 % (i.e., FA100-SCBA0, FA75-SCBA25, FA50-SCBA50, FA25-SCBA75, and FA0-SCBA100). The results showed that the compressive strength and flexural strength of the composites with the increasing levels of SCBA were reduced. Interestingly, the 28-day compressive strength of composite incorporating 50 % FA and 50 % SCBA was still as high as 25.58 MPa, which satisfied the minimum compressive strength requirement of ASTM C270, making the newly produced ECC suitable for use in normal construction works and repairs. The same optimum mix (FA50-SCBA50) produced an average density of 1867.96 kg/m3 as a result of substituting a significant amount of binder with SCBA, demonstrating that it has evolved into a lightweight engineered cementitious composite. Furthermore, the ultrasonic pulse velocity of the mixes decreased whereas water absorption increased as the proportion of SCBA to FA increased. According to microstructural analysis, unreacted SCBA particles were mostly responsible for the detrimental effects of rising SCBA levels on properties of ECC. Based on the aforementioned results, this research concludes that sugarcane bagasse ash, when combined with fly ash, could be a viable alternative for replacing regular cement up to 50 % by weight in the production of cost-effective and environmentally friendly cementitious composites