The mobile bank (M-Banking) is confronted to various kinds of resistances which can hind his adoption by the Tunisian customers. This study identifies three groups of non adopters of the technology M-Banking: postponers, opponents and detractors. This work is based on a cognitive approach which reconciles the qualitative and quantitative studies to reach the objectives of our research work. The results of this study indicate that the non adopters groups differ in a significant way with regard to obstacles of use, the value and the image. Also, the barriers of risk and the tradition did not show statistical meaning, but, the barrier of the received risks is, generally, important. Significant relations between the barriers of use, risks and the image with the sex and the level of the education were relived. Finally, our results show a clear mapping to let appear the cultural dimensions of the resistance in the adoption of resultant M-Banking of the study. These results are important for the future projects of M-Banking and E-Banking in Tunisia and in the other countries in development.
In this study, we attempted to understand the dynamics underlying the process of adoption of the innovation by adding resistance opinion leaders and WOM Negatives to a model of market growth. We found that once the resistance was triggered, advertising gives only limited effect, and positive opinions of leaders have little impact on market growth. We have shown that not only the leaders of the resistance Hawking negative WOM reach significantly reduce the size of the end market, but their existence could even completely erase the positive effect of opinion leaders.
Electronic Medical Record (EMR) has been introduced into healthcare organizations in order to incorporate better use of technology, to aid decision making and to facilitate searching for a medical solution. The EMR is an Information Technology (IT) tool supporting the examination, treatment and care of patients. Low adoption of the EMR persists despite the obvious benefits of centralized medical record management. The rate of EMR implementation among physician practices has been slow and limited. This needs those professionals in healthcare organizations to be in the process of changing from the use of paper to maintain medical records into computerized medical record keeping opportunities. The critical users are physicians, which play an important role in success of Health Information Technology (HIT) including EMR. Hence, study regarding individual level of adoption in EMR should be done to understand more about this issue. Hence, the objective of this paper is to finding out the imperative factors in affecting EMR adoption. The macro-level framework evaluated based on Fuzzy Analytic Hierarchy Process (F-AHP). Basically, surveys distributed to physicians who has experienced with using EMR technology in three Malaysian public hospitals. Findings showed the most important factors and sub-factors in macro-level context related to adoption of EMR. The results of F-AHP showed that the most important factors are Socio-pol-economic trends and HIS standards and the most important sub-factors are economic trends, standardized data, and political trends.
The effluent water of any industries such as textile, leather, paper, printing, cosmetic, etc. contains large amount of hazardous dyes. There is a huge number of treatment process as well as adsorbent which are available in low cost adsorbents for the removal of hazardous dyes from aqueous waste by adsorption treatment. In this study, thermally treated egg shell was used as an adsorbent for the removal of methyl orange from an aqueous solution. All operating parameters like; adsorbent dose, contact time, particle size and initial concentration of methyl orange were effective on their removal efficiency of the dye.
Mergers and acquisitions in banking sector have become familiar in the majority of all the countries in the world. A large number of international and domestic banks all over the world are engaged in merger and acquisition activities. Mergers and acquisitions in India with Banking sector are on the rise. Volume of M&A in India in 2009 have grew two fold from 2008 and four times compared to 2007. (M&As) activities of Indian companies slowed down in 2013 to a total of nearly 500 deals worth $27 billion, but the momentum is set to pick up in 2014 especially after the elections. Important M&A in India in banking sector in recent years include the merger between IDBI (Industrial Development bank of India) and its own subsidiary IDBI Bank. Another important merger was between Centurion Bank and Bank of Punjab in 2005 this merger led to the creation of the Centurion Bank of Punjab and later on 25 feb,2008 HDFC Bank acquired the Centurion Bank of Punjab (CBoP) for Rs 9,510 crore is one of the largest merger in the financial sector in India.The objective of the project was to find out whether the merger and acquisition deal between the two banks ie (Centurion Bank and Bank of Punjab) was successful or not ? An attempt has been made to draw the results of the case (Centurion Bank with Bank of Punjab) while analyzing the impact of these merger and acquisition on the employees, customers, organization , and on its shareholders.? And then finally the conclusion was that the merger activity has become good for both the banks ,the overall efficiency and the productivity increases over the years.
In the present scenario bio-diesels have received a lot of attention as an alternate vehicular fuel. But the properties of bio-diesels are not the same as diesel fuels especially their high viscosity and low volatility. Also the bio-diesels have very poor atomization characteristics due to decreased cone angle during fuel injection. This paper relates the modification of engine combustion chamber design, for inducing turbulence to improve the combustibility of combustible mixture. A survey of literature shows that experimental studies have not been done on a threaded piston for evaluating influence on the combustion and emission characteristics using diesel blends as well. The objective of this work is to study the effect of combustion chamber geometry on combustion and emissions of a bio-diesel (Simorouba) fuelled threaded piston diesel engine. It has been noticed that for the engine under consideration with threaded piston gives optimum performance. This work is to study the effect of threaded piston on combustion, performance and emissions of a bio-diesel (Simorouba) fuelled threaded piston diesel engine. It has been noticed that for the engine under consideration with threaded piston gives optimum performance.
Career development is a very important thing in doing a series of professional work of a teacher a good career became the benchmark for a teacher to be promoted to higher positions. Causes of teacher career development barriers there are two factors: internal factors and external factors. Internal factors are factors that come from within the teachers themselves are less motivated to take care of his promotion, in addition to the proximity of retirement of a teacher who becomes the cause standstill rank,. External factors are factors outside themselves teachers themselves who received less intensive guidance in preparing and calculating the credit score promotion. So that the teacher asks for help to one of the employees of Religion department to compile and calculate the credit score rank. There has been no significant effort that can be done by the teachers themselves, and the MORA as a builder in the career development of teachers, only to give an explanation to the teachers about the consequences if it does not rank in the care of a teacher at all. To the ministry of religious affairs greater city of Jambi is expected to provide guidance, and direction specifically about arranging credit score to teachers teaching religion in MI with the status of civil servants as well as can provide easiness for teachers who proposed promotion, reward teachers who made it to the rank or a certain group, or even go straight to the field to observe the career development of teachers and teacher's career delays. As this will provide the stimulus that will also have implications on the creation of professional teachers and responsible. To each teacher of religion, should continue to improve their career to a higher level, although was nearing retirement age.
The investigation was carried out a qualitative test for the possible phytochemical components (Alkaloids, Phenolic compound, Quinone, Protein, Anthraquinones, Saponins, Coumarin, Flavonoids, Tannin Fixed oil and fats and Steroid-glycosides) and quantitative analysis for some selected physicochemical properties after extracting the sample using soxhlet extraction by using ethanol and methanol as extractants. And Phenolic compound, Tannins, flavonoid and Steroid-glycosides are intensively found in the plant but Anthraquinones, protein and fixed oil and fat were not found even in a minimum amount. The medicinal use of Moring is results from the presence of some active phytochemical constituents. Lastly the physic-chemical properties value is investigated as follow: Moisture content 0.032% Total ash value 96 % Saponification value 37.4, Refractive index for Ethanol and methanol extract are 17,7 , Acid value 3.94 and the extract is Insoluble in chloroform but highly soluble in Ethanol, Diethyl ether and Water.
Chillia fish hatchery ponds and Keenjhar Lake is located at Thatta district, water samples from Chillia fish hatchery ponds and Keenjhar Lake were analyzed for physicochemical properties and phytoplanktonic population during 2004 to 2007. The Keenjhar Lake water was slightly alkaline in nature, the range of physicochemical parameters were as, 265-372 mg L-1, 7.2-8.3, 159-218 mg L-1, 35-70 mg L-1, 18-30 °C, 50-73 mg L-1, 28-330 mg L-1, 7.2-8.5 mg L-1 and 320- 495 µS cm-1, and physicochemical parameters of Chillia fish hatchery ponds were as 124-187 mg L-1, 7.4-8.4, 65-86 mg L-1,21-25 mg L-1, 16-38.5 °C, 47-65 mg L-1, 18-25 mg L-1, 5.4-6.4 mg L-1, and 5.4-6.4 µS cm-1, for total dissolve solids, pH, alkalinity, chlorides, temperature, calcium, magnesium, dissolve oxygen and electrical conductivity respectively. A total 152 phytoplanktonic species belonging 49 genera were identified, as Cyanophyceae (83 spp), Chlorophyceae (57 spp), Bacillariophyceae (10 spp) and (1 spp) each belongs to Euglenophyceae and Xanthophyceae from Chillia fish hatchery ponds and Keenjhar Lake. Physicochemical properties of Chillia fish hatchery ponds and Keenjhar Lake were suitable for growth of aquatic biota. Keenjhar Lake was richer in primary productivity rather than Chillia fish hatchery ponds.
Activated orange peels as an adsorbent was prepared by agitating in H2SO4 for 12 hours and washed with distilled water and again socked with2%NaHCO3 solution over night to remove excess acidity. It was calcined at a temperature of 350oC for 2:30 hours. Then the effect of adsorbent dosage, initial dye concentration, and contact time and particle size on the adsorption efficiency of the sample was tested using methylene blue as a target pollutant. The adsorption efficiency of the adsorbent for the removal of methylene blue was found as follows. adsorbent dosage and contact time was found to be directly proportional to the efficiency of adsorption of the prepared sample but up to a certain optimum value (82, 88.01 respectively) while initial dye concentration and particle size was found to be inversely related but still up to optimal amount or size.