Abstract: Banks are the backbone of the global economy. As bank collects money temporarily from the public and lends to other people as per need, banks should be concerned about the soundness of their financial health. Purpose of this study is to predict the financial health of State Owned Commercial Banks of Bangladesh using Altman Z-Score Model. The Z-Score uses working capital to total assets, retained earnings to total assets, earnings before interest and tax to total assets, shareholders equity to total liabilities etc. ratios to measure the financial health of the banks. The study is analytical in nature and carried out based on only secondary data. The published Annual Reports of six State Owned Commercial Banks for the period of 2010 to 2018 are collected for secondary data and financially analyzed for prediction of financial health through Altman Z-Score Model. The study found that with only one exception the financial health of State Owned Commercial Banks is unsatisfactory. One exception is only Bangladesh Development Bank fall grey zone among six State Owned Commercial Banks as it secured on an average 1.52 score. However, remaining others are found to be in Distress zone as they secured on an average < 1.10 score. So, it is said that the financial health of Basic Bank Limited is the worst and BDBL is the best among six banks. The implication of the study is that respective authority of State Owned Commercial Banks of Bangladesh can use the findings to take necessary actions regarding financial health.

Keywords: Altman Z-Score, Financial Distress, Prediction, State Owned Commercial Banks.

Abstract: Polynomial linear regression, (generalized) additive models ((G)AM) with P-splines and multivariate adaptive regression splines (MARS) were used to analyse the nonlinear relationship between the dependent variable wage and the independent variables age, year and education for a group of 3000 male workers in the Mid-Atlantic region of the USA. The aim of this article is to compare the predictive performances of these two nonlinear techniques and the polynomial linear model on a real socio-economic dataset. We also ran some simulations to compare the predictive performance of (G)AM, MARS and polynomial regressions at various combinations of levels of three factors: sample size, percentage of outliers and number of covariates. Taking into account all the possible interactions terms we fit forty-eight different models: sixteen each of (G)AM, MARS and polynomial regressions. The model performances were evaluated by cross-validation using the mean squared error (MSE) as the evaluation metric. We use the R language for data analysis. The real dataset results show only minor differences between the performances of (G)AM and MARS according to MSE. The simulations’ results are clearly in favour of (G)AM. The polynomial linear models perform poorly with both the actual dataset and simulations.

Keywords: Mean squared error (MSE), nonparametric regressions, prediction accuracy, semiparametric models, simulations, smoothing splines.

Abstract: Nanoparticle oxides is well-known electro-catalysts in fuel cells systems, they are usually used as anodic materials for the oxidation of low molecular weight alcohols. The utilization of Mo as catalysts in the pharmaceutical analysis is not common yet. In this study, the oxides by means of electrochemical deposition modified bare platinum electrodes and the modified electrodes were used as catalysts for the electrochemical oxidation of heavy metal. Well-resolved anodic peaks were reported for the analyzed pharmaceuticals when the Mo/GCE was utilized for the analysis of heavy metal. Analytical performance of the modified electrodes was evaluated based on the following statistical parameters; linearity ranges, correlation coefficients, limits of detection and quantitation, and recovery values. The prepared electrodes were used for the determination of the active ingredients in their pharmaceutical formulations and the reported activity was correlated to influence of the utilized pH on both structures of the used electrodes and the detected analytes.

Keywords: Heavy metal ; Differential pulse ‎voltammograms; Cyclic Voltammetry; Nanoparticle ; Modified electrode

Abstract: Reducing the lamination thickness of non-grain material in particular in core and copper loss can reduce the overall power loss. The impact of lamination thickness in power loss voltage arising from non-grain steel sheets is mentioned in this study. These studies have been supported by experimental methods such as Epstein Test (which is the outflow flux was examined at the corner and limb as well during the power loss measurements) and single sheet tester for each thickness. Accessibility of the data was based on frequency 50 Hz. The statement that the lamination thickness of 0.50 mm has more losses as opposed to 0.35 mm.

Keywords: Leakage Flux, Core Loss, Epstein Tester Frame, Copper Loss, Harmonic, Eddy Current Loss, Single Sheet Tester.

Abstract: The purpose of this research was to recognize and trial a basic device that would enable a doctor at the clinic to wirelessly titrate the ventilator at the patient's house. The emphasis was on a modest and helpful built-in framework with a GPRS phone organizing modem and a remote short-separation module designed to flexibly remotely innovate a heartbeat oximeter. The module is attached to an automated ventilator and an infrared web camera via a USB connection. The device is installed while the ventilator is in operation and collects information through a pulse oximeter. This also connects to the network and is waiting for wireless links. The doctor can connect and observe the patient's tracking of the ventilator, respiratory rate, and pulse rate, and, if necessary, ask for a patient's screenshot via a web camera. The doctor may also alter ventilator configurations based on available data to titrate the ventilator specifications based on individual situations. The device was checked during a medical titration operation, with a doctor manually controlling the ventilator. The findings of the current study reveal that it was feasible to titrate patient ventilation efficiently with this framework. Due to its effortlessness and minimal effort, this framework could provide compelling methods for remotely titrating home automated ventilation and intermittently checking its rationality for the proper conditions of patients.

Keywords: Automated, Titration, GPRS, Oximeter, Ventilator.

Abstract : The study investigated the procedure employed in obtaining solution to factor analysis on Nigerian and foreign educational and psychological scales. These were with a view to providing information on the most widely acceptable procedure used in carrying out factor analysis in educational and psychological scales. The population for the study consisted of validated Nigerian and foreign educational and psychological tests. Thirty validated foreign and Nigerian educational and psychological scales designed to measure constructs in education and social sciences were purposively selected for the study based on accessibility and availability of validation information. The instruments used for the study were scaling procedures used in 27 published journal articles from issues of seven published journals namely: Journal of Educational and Psychological Measurement, Journal of Counseling, Journal of Press Psychology, Journal of Personality Assessment, International Journal of Testing, Journal of Personality and Individual Difference, Journal of Career Assessment, one unpublished masters and two doctoral theses in the area of Education and Social Sciences. Data collected were analyzed based on the criteria used in reporting the dimensions of factor analysis in the selected scales. Finally, the results showed that the factor analytic dimension employed in the selected instruments were mainly exploratory factor analysis (N=11, 35.48%) and confirmatory factor analysis (N=9, 27.03%). Linear Structural Relation (LISREL) was the computer program majorly used to explain the theoretical models of most of the selected scales (N=18, 94.7%) while only one study (N=1, 5.4%) employed Structural Equation Modeling (SEM). Sample size ranging from 300 – 745 was largely reported (N=15, 50%), absolute sample size was the highly reported criterion for factorability of correlation matrix (N=27, 62.79%). Loadings was the criterion frequently reported for item deletion or retention (N=7, 23.30%), Eigen value (N=15, 26. 32% and Principal Component Analysis/Principal Factor analysis (N=9, 30%) were the main criteria reported for factor retention and factor extraction respectively in the selected scales. Orthogonal (varimax) was the majorly reported method of rotation (N=7, 23.33%). The study concluded that there was uniformity in the approaches employed by authors in the establishment of construct validity using EFA and CFA.

Keywords: Scale, factor analysis, exploratory factor analysis and confirmatory factor analysis.