An artificial intelligence and NLP based Islamic FinTech model combining Zakat and Qardh-Al-Hasan for countering the adverse impact of COVID 19 on SMEs and individuals

Pursose: The ongoing Corona virus (COVID 19) pandemic has already impacted almost everyone across the globe. The focus has now shifted from spread of the disease to the economic consequences it will bring to the society. The shortage of production will result into the shortage of supply and consequently will end as loss of jobs and employment for millions of people around the world. Two of the most important section of our society i.e., daily wage laborers and Small and Medium Enterprises (SMEs) will have to bear the major burnt of this crisis. The proposed integrated Artificial Intelligence and NLP based Islamic FinTech Model combining Zakat (Islamic tax) and Qardh-Al-Hasan (benevolent loan) can help the economy to minimize the adverse impact of COVID 19 on individuals and SMEs. Design/Methodology/Approach: The present study explores the possibility of Zakat and Qardh-Al-Hasan as a financing method to fight the adverse impact of Corona virus on poor individuls and SMEs. It provides the solution by proposing an Artificial Intelligence and NLP based Islamic FinTech Model combining Zakat and Qardh-Al-Hasan. Findings: The findings of the study reveals that Islamic finance has immense potential to fight any kind of situation/pandemic. Zakat and Qardh-Al-Hasan, if combined together can prove to be a deadly combination to fight the adverse effect of COVID 19. Practical Implications: To be used as an effective way to support individuals and SMEs in the period during and after the pandemic of COVID 19. Originality/value: There is no study combining Zakat and Qardh Al-Hasan to fight the adverse effect of poor individuals and SMEs. The study will contribute massively to the existing literature and will help the government and civil societies in fighting the economic impact of COVID 19 on individuals and SMEs.peer-reviewe

Efficient GTS Allocation Schemes for IEEE 802.15.4

IEEE 802.15.4 is a standard defined for wireless sensor network applications with limited power and relaxed throughput needs. The devices transmit data during two periods: Contention Access Period (CAP) by accessing the channel using CSMA/CA and Contention Free Period (CFP), which consists of Guaranteed Time Slots (GTS) allocated to individual devices by the network coordinator. The GTS is used by devices for cyclic data transmission and the coordinator can allocate GTS to a maximum of only seven devices. In this work, we have proposed two algorithms for an efficient GTS allocation. The first algorithm is focused on improving the bandwidth utilization of devices, while the second algorithm uses traffic arrival information of devices to allow sharing of GTS slots between more than seven devices. The proposed schemes were tested through simulations and the results show that the new GTS allocation schemes perform better than the original IEEE 802.15.4 standard

Fireside corrosion degradation of ferritic alloys at 600°C in oxy-fired conditions

This paper reports the results of a study carried out to investigate the effects of simulated coal/biomass combustion conditions on the fireside corrosion. The 1000 h deposit recoat exposure (5 × 200 h cycles) was carried out at 600 °C. In these tests ferritic alloys were used 15Mo3, T22, T23 and T91. Kinetics data were generated for the alloys exposed using both traditional weight change methods and metal loss measurements. The highest rate of corrosion based on EDX results occurred under D1 deposit where provoke mainly by the formation of alkali iron tri-sulphate phase

The role of effective communication and trustworthiness in determining guests’ loyalty

The file attached to this record is the author's final peer reviewed version. The Publisher's final version can be found by following the DOI link.This study investigates the role of trustworthiness and effective communication in the development of guests’ loyalty within the hotel sector. We propose and test a conceptual model that differentiates between two types of loyalty: attitudinal and behavioral. As hotels can control and manage how they communicate their desired characteristics to guests, we posit effective communication and a hotel’s trustworthiness as the key concepts in building loyalty. This study reports on the findings of a study based on 322 hotel guests. Data were analyzed using structural equation modeling. The results reveal that implementing effective communication methods leads to a trustworthy image, which in turn has a positive impact on attitudinal and behavioral loyalty. This research provides hotel managers with strategic directions for cultivating guest loyalty

Polo like kinase 2 tumour suppressor and cancer biomarker: new perspectives on drug sensitivity/resistance in ovarian cancer

The polo-like kinase PLK2 has recently been identified as a potential theranostic marker in the management of chemotherapy sensitive cancers. The methylation status of the PLK2 CpG island varies with sensitivity to paclitaxel and platinum in ovarian cancer cell lines. Importantly, extrapolation of these in vitro data to the clinical setting confirms that the methylation status of the PLK2 CpG island predicts outcomes in patients treated with carboplatin and paclitaxel chemotherapy. A second cell cycle regulator, p57Kip2, is also subject to epigenetic silencing in carboplatin resistance in vitro and in vivo, emphasising that cell cycle regulators are important determinants of sensitivity to chemotherapeutic agents and providing insights into the phenomenon of collateral drug sensitivity in oncology. Understanding the mechanistic basis and identification of robust biomarkers to predict collateral sensitivity may inform optimal use of chemotherapy in patients receiving multiple lines of treatment

Three Essays on Public Policy and Health

This dissertation is comprised of three essays on health and public policy. My research examines how regulations and targeted programs impacted health outcomes. The first two chapters use the unexpected shock of water borne lead in Flint Community Schools’ classrooms to estimate the causal impacts of lead on students’ cognitive and behavioral outcomes. The first paper focuses on the short-run academic achievement of elementary school children. At the average level of lead exposure, conservative estimates find that the share of students scoring proficient on statewide standardized exams drops by 6 to 9 points in math and drops by 12 to 14 points for reading. This represents an average of 3 to 5 students for a typical grade within a school. The second paper estimates the impact of lead exposure on student behavior. The analysis finds that during the Flint Water Crisis a typical grade within a school receives 8.6 additional disciplinary actions per year at the average level of lead exposure. The third chapter focuses on the perennial topic of access to healthcare and health outcomes. Access in this case is measured by the supply of primary care physicians. The federal Health Professional Shortage Area initiative identifies underserved areas and makes them eligible for incentives to attract physicians. Using propensity score matching methods, an average 3 percent decline in mortality rates is found for areas that receive the designation

Turbofan aft duct suppressor study. Contractor's data report of mode probe signal data

Acoustic modal distributions were measured in a fan test model having an annular exhaust duct for comparison with theoretically predicted acoustic suppression values. This report contains the amplitude and phase data of the acoustic signals sensed by the transducers of the two mode probes employed in the measurement. Each mode probe consisted of an array of 12 transducers sensing the acoustic field at three axial positions and four radial positions

Turbofan aft duct suppressor study

Suppressions due to acoustic treatment in the annular exhaust duct of a model fan were theoretically predicted and compared with measured suppressions. The predictions are based on the modal analysis of sound propagation in a straight annular flow duct with segmented treatment. Modal distributions of the fan noise source (fan-stator interaction only) were measured using in-duct modal probes. The flow profiles were also measured in the vicinity of the modal probes. The acoustic impedance of the single degree of freedom treatment was measured in the presence of grazing flow. The measured values of mode distribution of the fan noise source, the flow velocity profile and the acoustic impedance of the treatment in the duct were used as input to the prediction program. The predicted suppressions, under the assumption of uniform flow in the duct, compared well with the suppressions measured in the duct for all test conditions. The interaction modes generated by the rotor-stator interaction spanned a cut-off ratio range from nearly 1 to 7