Credit analysis policies in construction project finance

This paper aims to illustrate a revolutionary approach to bank financing of extensive investment projects developed by major corporations. The new approach pertains to corporate banking and is applied to corporate projects developed by special purpose vehicles. The theoretical framework highlights general aspects of project finance and of construction projects management in general, with special focus on residential constructions. The second part adds to the theoretical structure the example of a project finance policy implemented by a Romanian subsidiary of a foreign bank and places the emphasis on the credit analysis in case of residential construction projects. The final objective of the paper is to bridge the corporate banking field with project finance, regarded as a banking field of its own, in line with the vision of the bank subject to this article.credit analysis, project finance, banking institutions.

RESEARCH REGARDING THE INFLUENCE OF THE LEVELLING OF SANDS FROM THE LEFT PART OF THE RIVER JIU UPON THE ENERGY BALANCE IN THE CASE OF GROWING BLACK-EYED PEAS

The energy balance is primarily influenced by the levelling of soils. Considerable crop production of the black-eyed peas on the sands on the left side of Jiu was obtained when the water and fertilizer factors were provide

Nanoscale Architectures for Smart Bio-Interfaces: Advances and Challenges

Volcanology & seismolog

EFFECT OF LEVELLING ON THE ENERGY BALANCE OF MAIZE CROP FOR GRAINS

        Maize is recognized as a plant that greatly harnesses the allocated factors-the insurance with water and mineral fertilization-, bringing a substantial energy intake especially in the context of rational crop revolutions. From the point of view of fertilization, maize producing a large amount of plant substance at the surface unit, consumes high amounts of the main nutrients, which is a plant ,, voracious by excellence "and which responds promt to applied, but necessary water should be ensured at the appropriate time. The energy analysis in the case of maize for grains has shown high energy values produced in both cases concerning the location of culture-non-ivelate and even on ground level

Label free aptasensor for lysozyme detection : a comparison of the analytical performance of two aptamers

This work presents a comparison of two different aptamers (COX and TRAN) for the detection of the ubiquitous protein lysozyme using aptamer-based biosensors. The detection is based on the specific recognition by the aptamer immobilized on screen printed carbon electrodes (SPCEs) via diazonium coupling reaction. The quantitative detection of lysozyme protein was achieved by electrochemical impedance spectroscopy (EIS). Very good linear ranges and detection limits for the lysozyme detection were obtained, from 0.025 to 1 μM and 725nM using aptamer COX and from 0.025 to 1 μM and 31.7nM using aptamer TRAN. The obtained results showed that the developed aptasensors exhibit good specificity, stability and reproducibility for lysozyme detection. The aptasensors were also tested in wine samples; very good recovery rates were obtained in the range from 96.4 to 102% for lysozyme detection. The recovery rates confirm the reliability and suitability of the developed method in wine matrix. The developed method could be a useful and promising platform for detection of lysozyme in different applications

A novel electrochemical aptamer-antibody sandwich assay for lysozyme detection

In this paper, we have reported a novel electrochemical aptamer-antibody based sandwich biosensor for the detection of lysozyme. In the sensing strategy, an anti-lysozyme aptamer was immobilized onto the carbon electrode surface by covalent binding via diazonium salt chemistry. After incubating with a target protein (lysozyme), a biotinylated antibody was used to complete the sandwich format. The subsequent additions of avidin-alkaline phosphatase as an enzyme label, and a 1-naphthyl phosphate substrate (1-NPP) allowed us to determine the concentration of lysozyme (Lys) via Differential Pulse Voltammetry (DPV) of the generated enzyme reaction product, 1-naphthol. Using this strategy, a wide detection range from 5 fM to 5 nM was obtained for a target lysozyme, with a detection limit of 4.3 fM. The control experiments were carried out by using bovine serum albumin (BSA), cytochrome c and casein. The results showed that the proposed biosensor had good specificity, stability and reproducibility for lysozyme analysis. In addition, the biosensor was applied for detecting lysozyme in spiked wine samples, and very good recovery rates were obtained in the range from 95.2 to 102.0% for lysozyme detection. This implies that the proposed sandwich biosensor is a promising analytical tool for the analysis of lysozyme in real samples

Fingertip rapid point-of-care test in adult case-finding in coeliac disease

Background Coeliac disease (CD), due to its protean clinical manifestation, is still very under diagnosed in adults and delays in diagnosis may take years and even decades. Simple tools to find cases in primary care may help to identify patients for further diagnostic tests. We have evaluated the usefulness of an on site rapid fingertip whole blood point-of-care test (POCT) for such a purpose. Methods As CD is known to run within families, we tested 148 healthy relatives of 70 Romanian index cases with biopsy-proven CD (87% of all first-degree family members, median age 36 years) for the presence of circulating autoantibodies. In addition to performing the POCT (which measures blood erythrocyte self-TG2-autoantibody complexes) on site, blood was drawn for later evaluations of serum IgA-class endomysial antibodies (EMA). EMA-positive sera were further tested for transglutaminase 2 antibodies (TG2-IgA). All serological parameters were analyzed blindly in a centralized laboratory that had no knowledge of the on site POCT result. Endoscopic small intestinal biopsies was recommended for all POCT- or EMA-test positive subjects. Results In on site testing the POCT was positive in 12/148 first-degree relatives (8%) and all these subjects were also serum EMA-positive. A positive EMA test was found only in one other subject. All remaining 135 healthy first-degree relatives were negative for both POCT and EMA. Four subjects positive for both POCT and EMA were negative for TG2-IgA. Ten out of thirteen of the antibody-positive subjects agreed to undergo endoscopy. The POCT was found to be positive in 8/9 first-degree relatives having coeliac-type mucosal lesions of grade Marsh 2 (n = 3) or Marsh 3 (n = 6). The three POCT-positive subjects not agreeing to undergo endoscopy were also both EMA- and TG2-IgA-positive. Conclusion The fingertip whole blood rapid POCT might fulfill the unmet need for a simple and cheap case-finding biomarker for early detection and presumptive diagnosis of CD. Confirmatory studies are warranted in adult case-finding in specialized outpatient clinics and in primary care.BioMed Central open acces

Metoda de analiză spectrofotometrică a metamizolului din tabletele farmaceutice: investigarea linearităţii, a limitei de detecţie şi a limitei de cuantificare

The aim of this research was to exactly quantify the pure sodium metamizole content frompharmaceutical tablets, by using a spectro-photometric analysis method in visible range. The method applied has been subjected to a validation protocol which consisted in analyzing the following parameters: linearity of the method, limit of detection (LD) and limit of quantification (LQ). The pure sodium metamizole amount in a pharmaceutical tablet was found to be 477.477 mg, assigned to a percentage content of 95.495 %, close to official declared amount (500 mg), presentingan average percentage deviation of 4.505 % from the officiallystatedactive substance content. This value was situated below the maximum admissible percentage deviation of active substance content (± 5%), stated by Romanian Pharmacopeia, X-thEdition

Fast Electrochemical Measurement of Laccase Activity for Monitoring Grapes’ Infection with Botrytis cinerea

Grapes’ infection with the fungi Botrytis cinerea is one of the major causes of economic loss in the winemaking sector worldwide. The laccase activity of grapes is considered an appropriate indicator of this type of fungal infection, and enzymatic activity higher than 3 U/mL indicates a high risk of irreversibly damaged grape must due to enzymatic browning. This work describes a fast test for the measurement of laccase activity based on a dual optical and electrochemical detection method. A paper sensor impregnated with the enzymatic substrate dye 2,2′-azino-bis(3-ethylbenzothiazoline-6-sulfonic acid) (ABTS) provides a semi-quantitative optical measurement. While the paper sensor can be used independently, when combined with a screen-printed electrode and amperometry measurements, it enables the quantitative detection of laccase activities down to 0.4 U/mL in only 5 min. The method was applied for monitoring the artificial infection of white, rosé, and red grapes with different strains of Botrytis cinerea. The results were confirmed by parallel analysis using the spectrophotometric method of laccase activity determination based on syringaldazine. The influence of the fungal strain and type of grape on laccase activity levels is reported. The demonstrated robustness, simplicity, and versatility of the developed method make it ideal for application on-site in the vineyard or at grape processing points.Financial support provided by the Romanian Executive Agency for Higher Education, Research, Development and Innovation (UEFISCDI), ERANET-MANUNET-III-WINBIOTOOL-2, contract 151/9.03.2020 grant (for A.V), contract150/9.03.2020 (for P.E) and contract 152/9.03.2020 (for C.P. (Catalina Pantazi), E.B., and M.I.); the Romanian Academy grant RO1567-IBB05/2021 (for R.R. and C.P. (Cristina Purcarea)); the Basque Government and the European Union through the European regional development fund 2014–2020 (FEDER) (ZL-2020/00532 and ZL-2021/00340); and the Diputación Foral de Álava (ALAVA INNOVA program—INNOEM-2020/00045) for Bodegas de los Herederos del Marqués de Riscal; and the Diputación Foral de Álava (ALAVA INNOVA program— INNOEM-2020/00045) for Bodegas de los Herederos del Marqués de Risca is gratefully acknowledged