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Origin, Role and Supervision of Fintech Firms
Issue:
Volume 7, Issue 3, September 2021
Pages:
29-37
Received:
28 May 2021
Accepted:
21 June 2021
Published:
8 July 2021
Abstract: The changes in national financial systems during the last two decades are reflected, inter alia, in the emergence of Fintech firms. The name is a portmanteau from the words finance and technology. These include online platforms for raising and lending funds, robots-consultants, crypto currency trading, securities trading, electronic payments, digital investment management. They do not have to comply with prudential regulations as banks. They have become competitors to banks in performing banking operations. In order for someone to do business with Fintech firms, it is enough to have a mobile phone. In their business, they are exposed to financial and operational risks. Financial risks can occur in the form of maturity mismatch risk and liquidity mismatch risk. Operational risks can be caused by human error and inadequate information systems. For ten years now, Fintech firms have been operating in European countries undergoing transition. The governments of these countries have also encouraged the proliferation of Fintech firms by establishment of innovation authorities. In recent years, the operations of Fintech firms have been more adequately regulated by supervisory institutions by enacting regulations that cover their operations. The European supervisory institutions have enacted measures that are related to business operations of Fintech firms, but despite these efforts, regional differences between EU member states are still present.
Abstract: The changes in national financial systems during the last two decades are reflected, inter alia, in the emergence of Fintech firms. The name is a portmanteau from the words finance and technology. These include online platforms for raising and lending funds, robots-consultants, crypto currency trading, securities trading, electronic payments, digit...
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Physiological and Productive Response of Two Varieties of Tomato (Solanum lycopersicon) to the Application of Glomus iranicum in the Region of Extremadura
José Miguel Dell’Amico,
María José Gómez-Bellot,
Pedro Nortes Tortosa,
Laura Pozuelo García,
Francisco Javier Pagán Moreno,
Félix Fernández Martín
Issue:
Volume 7, Issue 3, September 2021
Pages:
38-45
Received:
9 June 2021
Accepted:
1 July 2021
Published:
10 July 2021
Abstract: Two varieties of tomato plants, H 1015 (1) and H 3402 (2) from two adjoining commercial farms located in San Benito, Extremadura and cultivated in the same soil and fertirrigation conditions, were inoculated with the arbuscular mycorrhizal fungus Glomus iranicum variety Tenuihypharum, (AMF) from the commercial product Mycogrowth. The applied treatments to the plants were: control 1, AMF 1, control 2 and AMF 2. The physiological indicators and productive responses of the plants from the four treatments were studied. The percentage of mycorrhization, soil moisture, the growth of dry aerial biomass, leaf water potential (Ψ leaf), stomatal conductance (gs), photosynthetic rate (Pn) and performance of its components rate were evaluated 81 days after transplantation. The (Ψ leaf) and (Pn) were measured twice (10.00 and 13.00 h). The results showed that symbiosis between tomato plants and the AMF was successful. Plants of both varieties treated with AMF, had better physiological performance, increased leaf water potential, increased gas exchange (stomatal conductance and photosynthetic rate), and showed improvements in growth, quality and productivity at plot level. The positive effects of this fungus show that it could result of great importance for reducing the use of chemical fertilizers, at least partially, in the future.
Abstract: Two varieties of tomato plants, H 1015 (1) and H 3402 (2) from two adjoining commercial farms located in San Benito, Extremadura and cultivated in the same soil and fertirrigation conditions, were inoculated with the arbuscular mycorrhizal fungus Glomus iranicum variety Tenuihypharum, (AMF) from the commercial product Mycogrowth. The applied treatm...
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Zooplankton of the Torrential River Chenab at Akhnoor, Jammu, India, and Its Comparison with Earlier Findings
Issue:
Volume 7, Issue 3, September 2021
Pages:
46-55
Received:
28 April 2021
Accepted:
24 June 2021
Published:
22 July 2021
Abstract: The river Chenab, river of the Indian sub-continent in north-western India and north-eastern and eastern Pakistan, has mostly torrential flow in India. It drains Jammu region of the Union Territory of Jammu and Kashmir, India, and after passing through Pragwal wetland, Akhnoor, enters into the broad alluvial lowlands of Punjab province, Pakistan. The present communication highlights the origin and seasonal qualitative and quantitative fluctuations of zooplankton of the Himalayan river Chenab at Akhnoor, Jammu. Zooplankton of the river Chenab has its origin mainly in rockpools, in tributaries joining upstream Akhnoor and a part is periphytonic (epilithic/ epibenthic). A total of 28 zooplanktonic species belonging to 25 species of protozoa, gemmules of 2 species of Porifera (Spongilla lacustris and Eunapius carteri) and 1 species of Turbellaria (Planaria sp.) were noticed. There is almost no change in composition of zooplankton from the earlier observations at Akhnoor. Whereas, its slow moving and polluted segment in Pakistan is dominated by metazoans. Qualitatively and quantitatively zooplankton remained irregular and low during monsoon and post monsoon months. Analysis of coefficient of correlation of zooplankton with water quality parameters is almost insignificant.
Abstract: The river Chenab, river of the Indian sub-continent in north-western India and north-eastern and eastern Pakistan, has mostly torrential flow in India. It drains Jammu region of the Union Territory of Jammu and Kashmir, India, and after passing through Pragwal wetland, Akhnoor, enters into the broad alluvial lowlands of Punjab province, Pakistan. T...
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Investigation of Yarn Quality in Ring Yarn by Modifying Bottom Apron/Nose Bar with Perforations and Air-Suction
Bantamlak Birlie,
Sampath Rangaraj
Issue:
Volume 7, Issue 3, September 2021
Pages:
56-76
Received:
30 August 2021
Accepted:
14 September 2021
Published:
26 September 2021
Abstract: Currently, ring spinning has limitations of poor integration of fibers that protrude from yarn surface, which causes hairiness and irregularity. The aim of this research is to improve yarn quality by modification of bottom apron/nose bar with perforation and applying air-suction in a conventional Reiter G35 ring frame and spinning 29.52 Tex (20 Ne) and 14.76 Tex (40 Ne). To produce modified yarn 17 combinations of apron hole diameter, suction pressure, and widthwise hole distance was used. The ANOVA result shows that as suction pressure increases hairiness, tenacity, and thick place (+50%/km) were improved significantly for both counts. Based on the result suction pressure, apron hole diameter, and hole distance were optimized to 23.9 mbar, 1.58 mm and 10 mm respectively for 40 Ne and 25 mbar, 1.75 mm, and 11.6 mm respectively for 20 Ne. As compared with conventional hairiness, tenacity, thin place, and thick place of 40 Ne modified yarn were improved by 16.25%, 12.7%, 17.42%, and 14.62% respectively. Whereas hairiness, tenacity, and thick place of 20 Ne modified yarn were improved by 8.87%, 7.42%, and 18.2% respectively. Thus, the modified G35 method of yarn condensing has capability to be used as an alternative method of conventional spinning as it is capable of producing better quality yarn.
Abstract: Currently, ring spinning has limitations of poor integration of fibers that protrude from yarn surface, which causes hairiness and irregularity. The aim of this research is to improve yarn quality by modification of bottom apron/nose bar with perforation and applying air-suction in a conventional Reiter G35 ring frame and spinning 29.52 Tex (20 Ne)...
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