The numerical simulation of non-destructive testing of the materials has made considerable progress in the recent years. This simulation allows not only to increase the efficiency and the potential of the non-destructive testing methods, but also to expect the results of a particular technology and to define the most efficient conditions of achievement, while reducing the costs of progress. The purpose of this presentation is to show the important contribution of the computer simulation as regards the auscultation of the reinforced concrete slabs by GPR technique. The cases of the water infiltration and the chloride ions as well as the delaminations are considered.

The banking industry of Ghana is faced with several challenges among them is credit risk management notwithstanding the fact that, knowledge and technology in that field have increased. Additionally, many banks have created Credit Risk Management Departments which are responsible for managing the credit risks associated with banking operations. However, available data indicate arise in the value of non-performing loans in recent years. This study therefore focused on challenges of operationalization of credit risk management policies, strategies and implementation in banks. The justification of the study is that some banks could have comprehensive risk management policies and strategies but their implementation might be inappropriate. The research examined critically, the portfolio quality of the bank selected for the study. Again, the credit risk management policies of the bank were analysed with reference to national standards. For in depth analysis, the case study approach was adopted. The study approach was both exploratory and explanatory. The staff of the Credit Risk Management Credit Operations Departments of the bank provided primary data. In addition, secondary data on the bank’s loans portfolio was obtained from journals and annual reports. Trend analysis was applied to assess the behavior of some selected variables over period of time. Some key findings from the study revealed that the bank has documented policy guidelines on credit risk management with a senior manager having oversight responsibility for implementation. However, the study showed that there were some implementation challenges of the credit risk policies which have resulted to low quality of loan portfolio of the bank. It is being submitted that bank’s risk policies should be reviewed frequently. For example, a policy restructuring exercise of the bank which included suspension of credit to Small and Medium scale enterprises in the high risk economic subsector produced positive results

The Publishing Studies department of Faculty of Art, Kwame Nkrumah University of Science and Technology (KNUST), Ghana, offers graduate training in three career paths: Book Design and Illustration (BDI), Publishing Administration and Printing Technology and Management. and Publishing Administration. A survey of 555 students in Years 1-4 revealed a skewed distribution of 47 in BDI, 285 in Printing, and 223 in Administration; manual drawing, which is required for specialisation in BDI, is a major threat to patronage in this Publishing Studies programme option. To understand this phenomenon required observation of drawing lessons and interviewing a convenience sample of 34 BDI students over two semesters. This qualitative study found that ability to draw significantly affects students’ decision for BDI: 12 reported good manual drawing skills for careers in illustration; 19 had limited drawing skills and preferred designing with computers; 3 had developed interest in drawing from Year 1 but preferred both aspects.

The purpose of this research is to examine the relationship between bank-specific and macro-economic indicator over bank performance by using data of ten Pakistani banks including five conventional banks and five Islamic banks over the period 2010-2014.Dependent variable taken for this study is Return on assets, Return on Equity to measure the Banking Sector Performance and independent variable taken for this study including specific factors (Size, Capital, Loan, Deposits, Expenses, Credit Risk and Liquidity) and macroeconomic factors (Gross Domestic Product ,Foreign Direct investment and Inflation).This paper uses the correlation and regression method to investigate the impact of size, loans, capital, deposits, liquidity, credit risk, expenses, economic growth, inflation and foreign direct investment on major performance indicators. The empirical results have found strong evidence that both internal and external factors have a strong influence on the performance. A result of study denotes that credit risk, expenses and inflation have indirect link with the bank performance, whereas size of bank, capital, deposit and loan have a significant positive relation with bank’s performance and liquidity have insignificant positive relation with Performance of bank . This study reveals the positive insignificant relation between GDP and performance but significant relation between FDI and performance and indirect relation between inflation and profitability. The results of the study are of value to both academics and policy makers.

Digital intercept receivers are currently moving away from Fourier-based analysis and towards classical time-frequency analysis techniques, such as the Wigner-Ville distribution, Choi- Williams distribution, spectrogram, and scalogram, for the purpose of analyzing low probability of intercept radar signals (e.g. triangular modulated frequency modulated continuous wave and frequency shift keying). Although these classical time-frequency techniques are an improvement over the Fourier-based analysis, they still suffer from a lack of readability, due to cross-term interference, and a mediocre performance in low SNR environments. This lack of readability may lead to inaccurate detection and parameter extraction of these radar signals. In this paper, the use of the Hough transform, because of its ability to suppress cross-term interference, separate signals from cross-terms, and perform well in the presence of noise, is proposed as an improved signal analysis technique. With these qualities, the Hough transform has the potential to produce better readability and consequently, more accurate signal detection and parameter extraction metrics.

Objective: To find the prevalence of cervical carcinoma as seen at Multan Institute of Nuclear Medicine and Radiotherapy (MINAR), Pakistan. Methodology: This retrospective descriptive study was conducted at the Multan instituite or Nuclear Medicine and radiotherapy (MINAR) for a period of five years. The clinical records of all patients diagnosed with carcinoma of the cervix were reviewed with regard to sociodemographic and reproductive parameters. Frequency of Ca -cervix and stage of disease at the time of presentation were recorded. The data was collected on pre-designed Performa and analysed Statistically. Results: There were a total of 537 cases presented at MINAR during the study period. Presenting symptoms (PS) were irregular vaginal bleeding (IVB) in 78% patients including intermenstrual (IMB), post menopausal bleeding (PMB), epimenohrea and post coital bleeding (PCB). Vaginal discharge was PS in 29% while pelvic pain was PS in only 3% patients. Squamous cell carcinoma corresponds to 460 (86.5%), adeno carcinoma to 55 (10.8%) cases and Poorly differentiated/other rare Tumours 22 (4%). Only 102(19%) cases were in Stage Ib, while 247 (46%) were in Stages IIa and Stage IIb respectively, 118 (22%) cases were in Stages IIIa and Stage IIIb whilst 57 (10.8%) cases were in advanced stage (1V).

With the globalization phenomenon and with the accelerated pace of development of the modern economy from the last decades it becomes increasingly important not only the volume of the products and services from the world market, but a special focus is placed on the quality. To ensure comparability on the global economic space in 1947, ISO- (International Organization for Standardization) was founded - a network of institutions in more than 150 countries with the headquarter in Geneva, which implemented from its establishing over 15,000 standards for agriculture, trade, construction, technical and medical equipment.

In this paper linear equations are discussed in detail along with elimination method. Guassian elimination and Guass Jordan schemes are carried out to solve the linear system of equation. This paper comprises of matrix introduction, and the direct methods for linear equations. The goal of this research was to analyze different elimination techniques of linear equations and measure the performance of Guassian elimination and Guass Jordan method, in order to find their relative importance and advantage in the field of symbolic and numeric computation. The purpose of this research is to revise an introductory concept of linear equations, matrix theorey and forms of Guassian elimination through which the performance of Guass Jordan and Guassian elimination can be measured.

The investors tend to investing in companies which have low risk and high expected efficiency and upstream shares price turbulence and in this regard the operational risk is a factor which results in the decrease of above criteria and confronts the company with the risk of bankruptcy, hence the investors have less motive for investing and the company has no choice but to use the financial leverages optimally in order to provide financially and in this situation the company’s shares price is without fluctuation and stays in the lowest price. In this study the researcher has used the correlation approach-post events in the range of 1392-1388- to investigate the effects of operational risk (bankruptcy risk) on the turbulence of shares price, the expected efficiency of the shares and since the operational risk variable is not normally distributed, the data attribute is changed from gradation to order and finally the Logistic Regression Test is used for testing the hypotheses of the research.

Heterochromatin represents a large fraction of eukaryotic genomes and is characterized by a high density of sequence repeats that remain condensed through the cell cycle. Based on our limited knowledge, we still suspect that chromosomal heterochromatin regions (HRs) in the genome of higher eukaryotes probably have no functions in the traditional in biology sense, and are possibly maintained by natural selection in the genome only owing to a number of important effects they have on the organism. But unlike other known forms of variability (biochemical, immunological, anthropogenetic, morpho-physiological, etc.), chromosomal HRs have no phenotypic manifestations. By studying chromosomal HRs variability in the human populations permanently living in various climatic-andgeographic conditions of Eurasia and Africa, in norm and pathology we have obtained the data indicating possible participation of chromosomal HRs in cell thermoregulation. Here we give some examples of possible cell thermoregulation participation in some stages of evolution and development.