The aim of study is to find out the way credit cards are being used by young people, based on a series of recommendations suggested by Mexico´s National Commission for the Protection and Defense of Financial Services Users (CONDUSEF for its acronym in Spanish). Also, the paper aims to know if this population has the necessary information to use their credits in a responsible way, because the data from the research by Solano et al. (2015), which identifies the “Determinants of credit card use in Mexico”, lead us to question the role of financial education or lack of it among young Mexicans. Thereby, real tests are carried out to corroborate the afore-mentioned, by means of a survey applied to the young people from Veracruz-Boca del Río metropolitan area.

Comprehensive chemical analysis was carried out for products of sugarcane in an attempt to find the effect of burning and the time taken from cut to mill on cane deterioration and dextran levels in sugars and by-products (molasses) from HalfaAlgadidah Sugar Factory for three varieties cane (V1, V2 and V3); corresponding to Co-6806, Co-527 and Co-986 at six periods (T1, T2, T3, T4 , T5 , T6)corresponding to (3 , 6 , 12 , 24 , 36 and 48) hours, respectively, during 2007/2008 and 2008/2009 seasons. Randomized complete plot design with three replications was used in this study. After harvest, the dextran levels were the same in the three varieties for the same duration, but they were significantly different at P ≤ 0.05 between burnt and green cane at different times. The average levels of dextran in sugars, juices and molasses were increased with the time taken from cut to mill. The dextran levels in sugar and molasses were ranged (296 – 1860, 412 – 2247) ppm for the duration of 3 to 48 hours after harvesting, respectively. The deterioration products, such as dextran, formed quickly and increased rapidly with the time taken from cut to mill, for burnt cane more than green cane.

This study aims to examine and analyze the influence of Institutional Image, Price, and Service Quality on Decision Choosing Futsal Young Indonesian School either partially or simultaneously. Research data from survey in the form of questionnaire. Sampling method used in this research is purposive sampling method, as many as 85 respondents selected to this sample by using Slovin formula. Quantitative analysis method using multiple linear regression analysis, followed by determination analysis (R Square), partial hypothesis testing (t test) and simultaneous (F test) with alpha 5 percent (0,05), before further analyzed first data quality test and classical assumption test were performed. Analyze tool using SPSS version 23 for windows. The results showed that the institutional image, price, and quality of service partially have a positive and significant influence on the decision to choose School Futsal Young Indonesian. Institutional Image, Price, and Service Quality have positive and significant influence on Decision Choosing School Futsal Young Indonesian either partially or simultaneously. Price has a very dominant influence on the decision to choose School Futsal Young Indonesian. There are still many other factors that influence the decision to choose school futsal that is equal to 38 percent which is still needed further research.

Bangladesh, a standout amongst the most crowded regions of Asia is at present experiencing Major energy emergency. Years of unconsciousness, absence of potential assets, labor, innovation and investment have taken the circumstance to an emergency level. Commercial energy consumption depends on natural gas (around 70%) trailed by coal, oil and hydropower. At present there is a huge difference between demand and generation of electricity. A step of building a nuclear power plant named Rooppur Nuclear Power Plant (RNPP) is taken by Government to fulfill this crying need. Bangladesh has planned to establish two Russian nuclear power reactors in operation (Rooppur-1 & Rooppur-2). The power plant will be built at Rooppur, 200 km north-west of Dhaka, at Paksey union on the bank of the Padma in the Ishwardi subdistrict of Pabna District, in the northwest of the nation. This paper discusses the prospect of green power generation using RNPP and evaluates different parameters whether it is a proper decision or not and also provides some necessary recommendations regarding the implementation of Rooppur Nuclear Power Plant.

The purpose of this study was to examine effect of internet banking on financial performance of commercial banks in Kenya. Internet banking under technology acceptance model extended from theory of reasoned action entails the inclusion of technology or information system within the operations of a bank. Internet banking is about creating complementary distribution channels in form of information technology. The study used descriptive survey research design. Both quantitative and qualitative data were collected to meet the objective. The proposed study area was Kisumu City targeting all the 34 commercial banks. A total of 11 banks were picked through a simple random sampling strategy. In addition, 5 employees were picked from each commercial bank through a simple random sampling strategy, while 11 branch managers purposively sampled from the selected banks. Therefore, the total number of participants forming a representative sample was 66 comprising of 55 employees and 11 branch managers of which there was a response rate of 92.7 for employees and 100% for branch managers. A combination of primary and secondary sources of data was used to obtain data. The primary sources included self-administered questionnaires and interviews. Document analysis was used to collect secondary data. Quantitative data was analyzed using descriptive statistics(frequency and percentages). Statistical analysis was done with the aid of Statistical Package for Social Sciences version 22.0. All the results of the quantitative analysis were presented in tables, charts, and graphs while the results of qualitative analysis presented in form of themes. From the quantitative analysis, the study established a positive effect of internet banking on financial performance of commercial banks. The qualitative findings also established that there is a positive effect of internet banking on financial performance of commercial banks. Based on the findings, the study recommends that commercial banks enhance their internet banking.

Methanol-to-Gasoline Process involves the chemical transformation of Natural gas into usable gasoline range products. The objective of this work was to conduct a techno-economic analysis of Methanol-to-Gasoline Process, identifying heat integration, recycle and cost saving opportunities in the Process, and determining the Present-day Profitability of the Process. Aspen Hysys v8.6 was used in the model simulation, with an Auto-thermal Reformer being Used in modelling Synthesis Gas Manufacture, and a Plug Flow Tubular Reactor used in the methanol synthesis, with kinetic data similar to that of the commercial Cu/ZnO/Al2O3 Catalyst. The Gasoline synthesis reactor was modelled as a conversion reactor, with 94% conversion based on the CuO/ZnO/HZSM-5 zeolite conversion yield. It was also discovered, that starting with 10.02MMscfD of natural gas, we obtained 1462 Barrels/day of Gasoline, 82 Barrels/day of Methanol and 147 Barrels/day of Di-Methyl Ether. The total Capital Cost came to $172,360,500, the Operating Cost of $21,808,945 annually, and Gross annual revenue came to $26,575,626, with annual savings of $4,766,681. After Heat Integration and product recycle, a savings of $7,303,009 was realized (74% reduction). The simple payback period of 36.2 years and a Net-present value of -$94million after 20 years, indicating that the MTG process is not viable under the present economic situation. The results of the sensitivity analysis show that the MTG process will be profitable within the 1st 20 years when the price of natural gas falls $500/MMscf or is completely free, or when the interest rate falls 5% or when the inflation rate rises above 20%. The reason for its non-profitability was discovered to be its water to hydrocarbon volume distribution, with water being 53.32% and Gasoline was 46.68%.

The study explored accounting information as a veritable tool for the appraisal of the performance of production companies in relation to their productivity and financial position. The research adopted a quasi-experimental design. Primary data were gathered with questionnaire and the results of the hypotheses were arrived through percentage and Spearman’s Rank Correlation Coefficient. It was revealed that the productivity of a production company is enhanced and sustained when the financial position of a firm is timely ascertained as this would help the company in financing their operations for maximum output. Besides, objective, timely, cost effective, complete and reliable accounting information help a production company to determine its financial position at any point in time. Based on the findings, the study recommended that effectual accounting information would be of immense help to a company in boosting and sustaining its productivity; the reason is that sureness of the financial position of a production company would, to a considerable extent, assist it in taking informed and timely decision either to continue to finance the production of a profitable product or to discontinue the production of a product that does not add value to the firm financially or otherwise. Finally, this would help a production firm to sustain an appreciable level of performance and growth for its survival.

The study was conducted to evaluate loan recovery performance among group-based micro credit institutions in Delta State, Nigeria using a well-structured questionnaire and oral interview. Respondent groups were selected using stratified random sampling technique. Primary data collected were analyzed using descriptive statistics such as frequency distribution, table, percentage, mean and trend analysis using bar graph and histogram. Inferential statistics such as multiple regression analysis technique was also used. The result revealed that a total of 163,100 group members have been reached with total savings mobilized at N2,560,126,690 and total loan disbursed at N33,851,127,825. The mean loan repayment rate was 91.29%. The trend analysis indicated a steady rise in the amount of savings mobilized and credit extended to groups. The result of the regression analysis indicated that five of the estimated determinants fund size, membership size, duration of group existence, supervision and proportion of credit repaid were positive and statistically significant while interest charge was negative and significant. The major constraints in loan administration by financial institutions include government laws and regulations, lack of infrastructural facilities, diversion of loans, delay in loan repayment, and lack of funds among others. It is therefore recommended that group-based finance institutions should strategies on rural savings mobilization and utilization on the rural economy for sustainable financial inclusion.

To achieve organizational sustainability and competitive advantage in this contemporary business world, it requires the effective engagement of human resource management practices and engagement of competent employees. Due to the challenges associated in business performance as a result of employee disengagement behaviour, it is imperative that every organization seek to stimulate the level of employee engagement with its best practices and policies to drive an irresistible organization that enhances the wellbeing and social wellbeing of employees.The objective of the study was to examine the managerial perception ofhuman resource management practices on employee engagement, to examine employees‟ expectation of human resource management practices on employees‟ engagement. The sample size was 600 which comprised of both employees (460) and management (140) and systematic sampling was employed for the study. It was made known by management that, recognition and reward of employee‟s effort was ranked as the first HRM practices which have a high relationship with employee engagement, and employees, also ranked management-employee relationship as first to have a perfectly strong relationship with employee engagement.. It was recommended that, management must devise smooth strategies to continuously improve employees‟ morale, commitment and satisfaction for their job. Effective Human resource management practices therefore play a vital role in stimulating employee engagement.

This study aims to determine the narcissism and positive thinking scores of athletes engaged in different team branches. Multidimensional Sportsperson ship Orientation Scale and Narcissistic Personality Inventory were used as a collection tool in the study. Portable IBM SPSS Statistics v20 software package was also used to analyze the data. For analyses of the data, descriptive statistics and Pearson correlation coefficient analysis were applied in the analysis of the data. As a result of the correlation analysis carried out, it was determined that there is a statistically significant relationship the narcissism and positive thinking scores of athletes.

This paper deliberates the scenario of managing governments in general and narrows to Tanzania government, specifically the administration of the fourth regime of president of the United Republic of Tanzania, His excellence, Jakaya Mrisho Kikwete. The paper traces the execution of the four regimes of presidency from 1961 to 2015 and makes some examinations on the events and decisions made during these regimes through an eye of a specialist. The study is a review in nature and assimilates qualitative techniques in discussing and analyzing information. Documentation, observation and experiential are the major information collection strategies employed in the study. The paper concludes by setting four propositions: First, that although it is evident that most fabulous practices are manifested during the Kikwete regime yet most of them did not originate from his regime. Secondly, that the revealed evil practices give a signal that the regime of Kikwete was transparent. Third, that the decisions that were made by his regime of accepting resignation of eminent ministers, signals prudence and reliability of the government. Fourth, that the decisions that were taken to revisit the mining contracts out of the main documents suggest courage, brilliance and objectivity of the President in dealing with national matters. Further, that the discussion reveals that observing the four regimes on comparative analysis, the fourth regime, has managed to best intervene on the fundamental problems of the community namely ignorance, disease and poverty. The challenge however, remain to be on improvement in competence based recruitment, promotion and appointment in political and semi-political positions. As noted by gurus of management and governance- the major problem facing the developing countries is not on governance systems but lack of competence based recruitment, appointments and promotion.

Within the last two decades, tuberculosis (TB) has shown an unprecedented and rather unexpected re-emergence despite achievements in immunization, provision of heath care facilities, discovery of drugs and better understanding of the disease. The Northwest Region of Nigeria is one of those corridors through which the transmission of the disease could be enhanced due to seasonal migration of pastoralists serving as carriers of the disease, going by their mobile lifestyle. This paper tried to examine the prevalence of the disease in this area, with the aim of identifying the environmental risk factors associated with it, among others. Data were collected using a structured questionnaire on 461 patients receiving treatment as sample across the DOTS centres along Fulani route of seasonal migration. Analyses were carried out using descriptive statistics and the logistic regression while significance test was done using ANOVA. Results indicated that ‘ever been diagnosed of lung and heart-related diseases’ had the highest contribution in the model (B=4.943), followed by ‘ever stayed with a TB patient’ (B=2.213) and then ‘family member ever been infected with TB’ (B=1.411). However, the ANOVA test on number of persons sleeping in a room indicated no statistically significant difference in the means of the groups, F (15, 89) = 1.117; p = 0.354. It was concluded that contact with the index and overcrowding play a role in the prevalence of TB in the study area and therefore recommend further studies on individual risk factors so as to guide disease surveillance and control.

To retire is an inevitable event that is bound to happen to every worker in a life time and pension scheme is to provide the employees of an organization with the means of securing on retirement, a standard of living reasonably consistent with that they enjoyed while in service. This is because, at old age man tends to depend on others for assistance and survival, therefore, man has been seeking for ways to make life in old-age meaningful and fulfilled after one has put in his active years in service. Based on the pain, sorrow and problems of retirees in the society (Nigeria), this work seeks to proffer solutions to this age long problem or retirement benefits. This study was conducted using questionnaires and the data analysis for the research was mainly descriptive, which is by the use of Chi-square method. The finding shows that inconsistency in pension polices affect the management of pension. The study thus, concluded that consistency, sincere and honest management of pension fund administration will be the hope of the age long problem of the pension scheme management in Nigeria, hence hope and for better and desirous retirement.

This paper attempts to establish information seeking behaviour of the employees of the East African Integration. The Department of East African Community coordinates the activities of East African Community in Kenya. Wilson (1999) defines information seeking as, "those activities a person may engage in when identifying their own needs for information, searching for such information in any way, and using or transferring that information". This study was a qualitative research in nature. The participants were drawn from 200 employees of the State department of EAC integration. The researcher employed interview method for data collection. The researcher used purposive sampling and interview schedules were prepared to gather information from participants. Data was analysed thematically. The results were that employees of the State department of East Africa integration sought information to assist them carry out their mandate concerning integration matters and they sought information by accessing the internet among others. It was concluded that information sought by employees of State department of East African Integration was information related to EAC integration process since a small proportion mainly from administrative directorate indicated that they seek information to better them in other disciplines of interest. It was recommended that due to lack of enough literacy skills on the part of the staff, librarians at State department of East African Integration should mount an effective IL programme in order to enable employees to easily access information whenever they sought for it. It was also recommended that ICT officers, librarians and record officers should put in place effective information retrieval tools that could assist the employees as they sought for information that could enable them carry out their mandates.

Perinatal mortality rate is an important indicator of community health status. This study is to analyze the cause of perinatal death in Teaching Hospital, Batticaloa. A retrospective study was done over a period of last three and half years from January 2014 to June 2017, which included total 21,079 deliveries out of which 204 perinatal deaths occurred, hence perinatal mortality rate was 12.51 per 1000 birth on 2014, 15.11 per 1000 birth on 2015 and 13.28 per 1000 birth on 2016. The causes of perinatal deaths and risk factors were identified and analyzed. Out of 204 perinatal deaths, majority (53.4%) occurred due to pretermwith or without associated other factors, majority (87.2%) of perinatal death occurred in maternal age of 20-39 years, and found to be more common in (64.8%) multigravida patients and majority of perinatal deaths (58.3%) occurred during early neonatal period. Early identification of mothers at risk of pregnancy complications, especially intrauterine growth restricted fetuses, through antenatal care screening, educating pregnant women to recognize warning signs of pregnancy complications, timely access to obstetric care, monitoring of labour for fetal distress, and proper newborn resuscitation may reduce some of the categories of deaths. Fetal autopsy in future could detect many unknown causes. There should also be increased communication to work closelybetween neonatology team and obstetric team to bring down perinatal mortality