This study aims to identify whether customers who live further away from bank branches where they opened their checking accounts are as profitable as those who live closer. For this purpose, it were selected 30 bank branches of one of the largest retail banks in Brazil and it was used analysis of variance in order to compare customer mean profitability of these branches among primary, secondary and fringe trading areas for those customers who receive their salaries by the bank and also for those who don´t receive. Regardless of whether customers receive or not their salaries by the bank, those who live further from the branches where they opened their checking accounts are as profitable as those who live closer and, in some cases, they are more profitable. So, Banks must take into account all customers of a branch and not only those who live closer it in order to develop strategies for customer retention and for increasing profitability provided by customers. It was also possible to conclude that trading area theory according to which the importance of each one of three trading areas in relation to profitability provided by customer is different, isn´t applied for banks, because there aren´t no significant differences in profitability provided by customers according to the distance they live from the branches. Generalizations are limited to São Paulo (Brazil) city and active individual customers.

Background: Dilation and direct vision urethrotomy are the most common procedures used by majority of urologist to manage urethral stricture disease. This includes urologists in both developed world as well as developing world. Dilation and direct vision urethrotomy are now regarded as neither cost effective nor efficacious as long term strategy for management of urethral stricture disease. Despite the initial enthusiasm and good results reported by earlier studies, more recent studies have demonstrated a poor long-term success rate for direct vision urethrotomv. Broad objective: The aim of this study is to document the late outcome of DVU as seen in patients with urethral stricture at KCMC. Methodology: This is a hospital based retrospective cohort study that involved patients who presented to urology department at KCMC with urethral stricture and underwent direct vision urethrotomy from January 2006 to December 2013.

The purpose of this study was to investigate the impact of Software based Mind Mapping (SMM) performed by tablets, mobiles, desktop, and web school work. The study determined the outcomes by using Electronic Mind Mapping (EMM) and the positive change in the students’ responses. The research was performed on 29 randomly chosen first year students from Ibri CAS during the academic semester year 2014-2015. The research took ITDR1101 as a random course as an application for the study. Three sets of groups were: self-selected study technique, paper and pen based MM and software based Mind Map(MM). The three groups were exposed to one of the presentations of the course ITRDR1101 course lessons for a 45-minute period. All the three groups were given a 30-minute time period to review and study the lesson materials using their own technique. They were requested to answer four structured open questions based on their technique for remembering the information presented in the class lesson.

The present work outlines a simple procedure for the thermal design of air cooled heat exchanger. The step by step numerical technique is implemented a long the steam flow direction to ratea vertical orientation single pass two tube rows heat exchanger. A saturated steam at atmospheric pressure of flow rate ranged between (18-36) kg/hr was passed throughout the tubes to provide a steam velocity in the range between (3.5) and (7) m/s. The condenser entering air dry bulb temperature was ranged between (21) and (42) oCand condensation load capacity fell in the range of (11) and (22.5) kW. The air flow rate was (1200) cfm and (2400) cfm corresponding air face velocities of (3 and 6) m/s. The simulated data showed excellent agreement with the measured rating parameters regarding the heat exchanger load duty and exit air cooling temperature. The respective discrepancy for the heat duty was within (12) % and (-5) % and the exit air temperature was underestimated by (5) %.

This paper explores forecast of future growth of Sovereign Wealth Funds, we used data of number of funds that were created during period from 1976 to 2012. In this regard, we found that number of SWF´s will rise during period 2013-2030 by 61 from 74 to 135, it means an increase of number of funds by 82.43 percent more compared with during period 1876 till 2012. Second, we provide asset allocations of 14 observed SWFs and different strategies. Third, we examine if Sovereign Wealth Funds will play important role in the future, moreover in terms of assets under management of 74 observed funds in 2014. In addition to this, we found that that 93.21 percent of changes in assets under management of Sovereign Wealth Funds can be attributed to changes (investments) in each future quarters.

Access and utilization of adequate water supply and sanitation facilities is high on the agenda of both International, national, and local communities including East African Universities (EAUs). Despite global demand for higher education characterized with increased male and female enrolment, the current levels of access and utilization to water supply and sanitation facilities remain largely inadequate and gendered in EAUs. Among the contributing factors is limited gender scholarship to question the causes of gender inequalities in access and utilization of water and sanitation facilities in universities including selected EAUs. This paper aims to explore the gender responsiveness of access and utilization of water and sanitation facilities and to ascertain the underlying gendered causes of the current status of water and sanitation facilities in EAUs. The paper adopted crosssectional gender focused study design. A total of 701 respondents were interviewed at both Makerere and Dar es salaam Universities. Qualitative gender disaggregated data was collected using semi-structured and in-depth interviews, focus group discussions and follow up site visits for observations. Water and sanitation facilities were georeferenced and analysed using geo-statistics techniques and Euclidian distance in ArcGIS 10.1. Gender concerns were captured both in access and utilization modeling gender related criteria in the reclassification of the number of toilet per person. Strong evidence indicates that EAUs are gendered and exhibit severe deficiencies in water and sanitation facilities. Major contributing factors of the observed deficiencies in water and sanitation facilities were lack of gender focused research, rapid increment of student enrollment, lack of water and sanitation policies and prioritization, decline in government support associated with liberalization and expansion of universities among others. Based on these findings, there is need to improve and engender the current

In this paper we introduce the definition of fuzzy distance space on fuzzy set then we study and discuss several properties of this space after some illustrative examples are given. Furthermore we introduce the definition of fuzzy convergence, fuzzy Cauchy sequence of fuzzy point and fuzzy bounded fuzzy distance space.

In this paper, we have established two summation formulae with the help of contiguous relation and some derived formulae of Salahuddin et al.

Polymorphic DNA markers are widely used to study genomic diversity, as most of them are selectively neutral, more ubiquitous than polymorphic protein and enzyme markers. Therefore, it is of great interest to study the genomic diversity and their relationships among the four south Indian tribal populations DNA samples from 190 unrelated individuals belonging to four Dravidian tribal populations viz. Malaikuravan, Malasar, Palliyan and Kattunaikkan were analysed by nine human specific insertion / deletion polymorphic loci and nine restriction site polymorphic loci to ascertain their genomic diversity and affinities with other Indian tribal populations. The results indicate that most of the studied loci are highly polymorphic in terms of allele frequencies (average allele frequency=0.51) and average heterozygosity (HT = 0.49) in all the study populations. The genomic diversity (GST) of the four tribal populations was comparatively low (0.032).

This study examines the impact of unemployment on the economic growth of Nigeria from 1985 to 2010. The Ordinary Least Squares (OLS) and Augmented Dickey-Fuller methods are used to estimate the model of one dependent variable (Real GDP growth rate) and two explanatory variables (inflation and unemployment). It was found that unemployment does not have a significant impact on the economic growth of Nigeria. Inflation, however, was found to significantly impact on the economic growth of Nigeria. Recommendations are also made to help accelerate the rate of growth.