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Search Results: 1 - 10 of 1294 matches for " Muawiya Saleh "
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A Common Database for Clients and Its Effect on Loan Default in Microfinance Bank Operations: An Outlook of Microfinance Banks in Yola, Adamawa State, Nigeria  [PDF]
Shuaib Jalal-Eddeen, Muawiya Saleh, Fadimatu Jalal-Eddeen
Open Access Library Journal (OALib Journal) , 2019, DOI: 10.4236/oalib.1105913
Abstract:
Background: In their quest to address poverty and uneven income and wealth distribution often attributed to low economic growth performance and low labour returns amongst others, the governments of the developing countries through their respective central banks came up with the micro-finance policies. In Nigeria, the central bank came up with a policy in 2004, which aims to give micro, small and medium enterprises access to informal financial services to boost their capacity towards economic growth and development. While this policy has reduced the level of poverty among the low-income populace, the operations of the microfinance institutions are receiving increasing threats from the beneficiaries, especially loan default, which is often as a result to multiple borrowing. Methods: A cross-sectional study using a mixed method approach was adopted for the study. The questionnaires were distributed to eligible persons and the responses an-alysed using SPSS version 24 and a simple Microsoft Excel. The respondents were clients from three randomly selected microfinance institutions in Yola, Adamawa State, Nigeria. Results: The outcome of this study has shown that while about 66% multiple borrowing incidences from various microfinance institutions were very high, 91.43% and 77.14% of the respondents believed that multiple borrowing and loan default, respectively, could be prevented through the use of a common database. Conclusion: It is recommended that microfinance banks and institutions should invest in implementing a common database for managing client requirements and minimizing concurrent borrowing and loan defaults.
Synthesis and Characterization of Sb65Se35-xGex Alloys  [PDF]
Saleh Ahmed Saleh
Materials Sciences and Applications (MSA) , 2011, DOI: 10.4236/msa.2011.27127
Abstract: Density, chemical, structural and vibrational studies of Sb65Se35-xGex system with 0 ≤ x ≤ 20 produce by melt-quench technique were carried out using Archimedes method, Energy Dispersive Spectroscopy (EDS), X-ray diffraction (XRD) and Raman spectroscopy. All specimens are polycrystalline in nature as confirmed by XRD pattern. The compositional dependence of the XRD and Raman spectra suggests the presence of two basic structural units, SbSe3 pyramids with three-fold coordinated Sb atom at the apex and GeSe4 tetrahedrons. The compositional dependence of these physic Chemical properties of the investigated samples are investigated and discussed in light of many models. PACS: 68.55. Ln; 61.50. Ks; 68.55.Jk
Role of Prostate Specific Antigen (PSA) in Pathogenesis of Prostate Cancer  [PDF]
Saleh Altuwaijri
Journal of Cancer Therapy (JCT) , 2012, DOI: 10.4236/jct.2012.34043
Abstract: Prostate cancer (PCa) is most common diagnosed cancer in men and it is second most common cause of male cancer death. Many factors have been implicated in the pathogenesis of PCa. Although many papers have discussed the prostate specific antigen (PSA) as biomarker of PCa, very few have addressed its rule in the carcinogenesis, metastasis and invasion of PCa. In this article we will review the pathological role of PSA, as a potential target in the therapeutics of PCa.
Acacia trotilis and Calotropis procera: Do They Substantially Promote Soil Carbon Sequestration?  [PDF]
Taoufik Saleh Ksiksi
Open Journal of Soil Science (OJSS) , 2012, DOI: 10.4236/ojss.2012.22017
Abstract: Very little is known about the type and mix of desert plant species and their management to optimize carbon sequestration in desert ecosystems. Overgrazing is one important practice that affects soil carbon cycling and therefore sequestration. Improving soil carbon in desert ecosystems may be best through the use of native trees and shrubs. Acacia tortilis and calotropis procera are two important species in the United Arab Emirates (UAE). The former is a native species that improves biodiversity and the latter is not native and has been reported to be an indicator of overgrazing. The average soil organic matter (SOM) content was higher in soils dominated by A. tortilis when compared to those dominated by C. procera; 2.98 and 1.34; respectively (P < 0.05). Moreover, A. tortilis leaves had a higher OM content than C. procera leaves (94.1% and 90.6%; respectively). The higher OM content of A. tortilis leaves explains the higher contribution of this species to the overall soil organic matter inputs. There was also a significant effect of shrub species on total SOC (P < 0.05). A total of about 14.7 tons of SOC were added per hectare in the areas dominated by A. tortilis. While only about 6.6 tons of SOC were added to the areas dominated by C. procera. In short, it is believed that both species substantially promote soil carbon sequestration. Some significant superiority of the native A. tortilis has been shown. But much has to be done to investigate the mix of plant species that promote the best soil carbon sequestration in the desert areas. Further studies are required in order to assess temporal as well as spatial variations in soil carbon sequestration in the UAE deserts. This will certainly help, in addition to other practices, in mitigating CO2 emission.
Spectroscopy: Between Modeling, Simulation and Practical Investigation  [PDF]
Tawfik A. Saleh
Spectral Analysis Review (SAR) , 2014, DOI: 10.4236/sar.2014.21001
Abstract: Spectroscopy
Method of Designing Generators of Pseudorandom Sequences for Information Protection Based on Shift Register with Non-Linear Feedback Function  [PDF]
Saleh Al-Omar
Journal of Information Security (JIS) , 2014, DOI: 10.4236/jis.2014.54020
Abstract: This paper proposes an efficient, high-tech method of construction of pseudorandom binary sequences generators with a repetition period 2n for n-bit shift register with a nonlinear feedback function. The developed method is illustrated by constructing a nonlinear function feedback shift register. It is proved that the offered method requires the realization of a memory size proportional to n2 that allows making successful use of suitable generators for practical use on the shift register of the longer word.
Evaluation of the Pathogen Detect System and Anthracene-Based Enzyme Substrates for the Detection and Differentiation of E. coli and Total Coliforms in Water Samples  [PDF]
Neville Hewage, Mazen Saleh
Journal of Water Resource and Protection (JWARP) , 2015, DOI: 10.4236/jwarp.2015.79056
Abstract: Indirect detection of Escherichia coli and total coliforms can be based on the enzymatic activities of β-glucuronidase (β-glu) and β-galactosidase (β-gal). These enzymes utilize the substrates anthracene-β-d-glucuronide and pyrene d-galactopyranoside, respectively. Substrate cleavage by the enzyme releases the soluble fluorescent molecules 2-hydroxyanthracene and 1-hydroxypyrene, which can then be detected by a fluorometer. The Pathogen Detect system is an automated portable unit that can measure fluorescent enzyme products. In this report, we investigated the utility of the Pathogen Detect system for potential automation of water quality monitoring. The PDS unit has the ability to detect E. coli, mean 14.7 h at a standard deviation of 1.5, when the sample mean is 9.1 cells in 100 mL with a standard deviation of 12.6. Similarly, total coliforms may be detected at mean 14.7 h with a standard deviation of 1.4 when the sample mean is 59.6 cells in 100 mL, with a standard deviation of 144.5. The PDS unit has the ability to detect single cells of either total coliforms or E. coli in 100 mL water sample within 18 hours. Turbidity and color of water samples have no impact on the detection of E. coli and total coliforms.
Cyanobacteria Diversity in Blooms from the Greater Sudbury Area  [PDF]
Suzanne Evans, Mazen Saleh
Journal of Water Resource and Protection (JWARP) , 2015, DOI: 10.4236/jwarp.2015.711071
Abstract: The Greater Sudbury Area is approximately 400 km north of the city of Toronto and falls within a large number of temperate lakes of various sizes. This area has been mined for nickel and other metals for several decades. These activities have affected the watersheds of Northern Ontario and have influenced the chemistry of a number of lakes. Blooms of cyanobacteria occur yearly in several lakes, mainly in the early and late summer months. Much of the chemistry of these lakes is known but the nature of the cyanobacterial blooms and the factors that may contribute to their sudden appearance are not. We sampled blooms from five Greater Sudbury Area lakes and identified the species present by morphological and molecular methods. The dominant genera present as characterized by morphological examination were Synechocystis, Leptolyngbya, Anabaena, Cyl-indrospermum, Nostoc, Borzia, Phormidium, Pseudoanabaena, Oscillatoria, and Planktothrix. Three of these isolates, Leptolyngbya, Anabaena, and Planktothrix were confirmed by partial rRNA sequence analysis.
The Level of Multiple Intelligences in Arabic Language Textbooks for Grades from (1 - 4) in Jordan in Light of Gardner’s Theory  [PDF]
Saleh Mohammad Abu Jado
Creative Education (CE) , 2015, DOI: 10.4236/ce.2015.614156
Abstract: This study aims to investigate the level of inclusion and balance of multiple intelligences in the Arabic Language textbooks in light of Gardner’s Theory using the analytical descriptive approach. Eight textbooks in grades (1 - 4) for the first and second semesters were taught in schools in the Jordanian educational system in 2013/2014. The selected textbooks were analyzed using Multiple Intelligences (MI) checklist devised by the researcher based on the framework of the Theory of Multiple Intelligences to examine them in relation to different intelligences as reflected through various activities, questions and tasks. The study sample consisted of all Arabic Language textbooks for the grades from 1 - 4. Results of the study showed that the verbal/linguistic intelligence in the textbooks in general scored the highest frequency amongst all types of intelligence; meanwhile the musical intelligence in the textbooks scored the lowest frequency among all types of intelligence. The study concluded with a recommendation to consider the necessity of employing all types of intelligence in designing Arabic language textbooks for young learners.
Geometric Backreaction of Modified Quantum Vacua and Diffeomorphrisim Covariance  [PDF]
Salwa Al Saleh
Journal of Modern Physics (JMP) , 2016, DOI: 10.4236/jmp.2016.73031
Abstract: In this paper I have shown that squeezed modified quantum vacua have an effect on the background geometry by solving the semi-classical Einstein Field Equations in modified vacuum. The resultant geometry is similar to (anti) de Sitter spacetime. This geometry could explain the change of causal structure—speed of light—in such vacua without violating diffeomorphism covariance or causality. The superluminal propagation of photons in Casimir vacuum is deduced from the effective electromagnetic action in the resultant curved geometry. Singling between different vacua is shown not to violate causality as well when the geometric effect on the null rays is considered, causing a refraction of those rays when traveling between unbounded and modified vacua.
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