The seeming lack of attention paid to educating customers through their mobile devices on how to do transactions electronically necessitated this study. The essence of paying particular attention on mobile devices stems from the fact that they are more handy and flexible. In view of the above, this study examined the relationship that exists between electronic learning and performance of selected Banks in Awka Metropolis. The work was anchored on Technology Acceptance Model (TAM). Correlation Survey Research Design was adopted for the study. The population of the study was infinite and sample size was 384 arrived at using Z score formula for infinite population. Pearson’s Product Moment Correlation Co-efficient was adopted in analyzing the data. A coefficient of correlation (r) value of 0.950 was got which revealed that there is a significant positive relationship between M-learning and Flexibility in Service Delivery of the selected Commercial Banks in Awka Metropolis. Sequel to the findings, the study concluded that organization will perform better in delivering quality services to their customers if they focused more on training customers via their more handy devices. It was recommended among other things that management should pay more attention to training customers via their more handy devices as it provides more flexibility and convenience to the customers and this will positively affect the service delivery capacity of the banks.

Abstract: This study general objective was to examine the influence of business risks in accessing of credit by small business producer group in Trans Nzoia County. The study specifically aimed at investigating the effect of business risk identification on access of credit by small business groups in Trans Zoia County, to investigate if business risk influences access of credit and to establish the effect of business risk monitoring on access of credit by small business groups in Trans Zoia County, Kenya The research used cross sectional design while data were collected through in-depth personal interviews administered through open-ended interview guides (Appendix I) to 54 chairpersons from 54 SBPGs and content analysis used to analyze data collected from the interviews. The study found that credit access is largely influenced by business risk and specifically the following risks; financial, strategy, operations, compliance and reputations. The study concludes that it is of general realization that SBPGs face business risk challenges in accessing the credit to develop their businesses. The research recommended the government, MFIs and social investors to come in to support the small businesses through trainings and capacity building.

Cryptococcal infection is characteristically associated with immunocompromised status. In most cases, the skin lesions represent a sentinel finding for disseminated cryptococcal infection. We describe a case of a 34 year old male, a solid organ transplant recipient (SOT), on immunosuppression, presenting with necrotising fasciitis of right lower limb. On microbiological and histopathological examination, a diagnosis of disseminated cryptococcal infection was made. In this report, we describe the spectrum of disease associated with Cryptococcus, its life cycle, pathogenesis and Immune Reconstitution Inflammatory Syndrome (IRIS). Cryptococcosis is a serious infection among SOT recipients, with diverse clinical features. This report underscores the need for a multidisciplinary clinical research and education from the Indian perspective.

Hormonal imbalance in postmenopausal women makes them susceptible to various menopausal symptoms and hormonal replacement therapy (HRT) is the treatment option for them. However, various concerns are involved with this therapy due to increased risk of pulmonary embolism, stroke, coronary heart disease, and even cancer. Especially long term use of single or multiple hormones at the same time appears to be more associated with unwanted disorders. However, few of the reports say that hormonal therapy with estrogens protect women against breast cancer. While there exist wide range of studies to address this issue, genetic profile of the patient are also important prior to HRT. Certain gene profile women are more or less susceptible to cancer risk. In this review we will discuss about various genetic factors related to this issue.

Topically applied drugs need to overcome physiological, anatomical and dynamic barriers in the ocular milieu for effective ocular penetration. There exists an urgency to develop novel approaches for the treatment of ophthalmic complications such as glaucoma, uveitis, retinitis, age related macular degeneration, diabetic retinopathy, retinitis pigmentosa. Efflux protein pumps present in the ocular tissues restrict the ocular absorption. Novel drug delivery strategies and approaches could improve ocular bioavailability of drugs which would be beneficial for the intervention of disorders. At present, the intravitreal route is widely used for posterior ophthalmic delivery. Over the past few years, liposomal systems were being exploited and targeted for posterior ocular delivery due to their unique structural framework to entrap lipophilic/hydrophilic drugs. The present review discusses about the recent advances the niche of liposomal ocular delivery.

Oral submucous fibrosis has a high rate of morbidity because it causes a progressive inability to open the mouth, resulting in difficulty in eating and consequent nutritional deficiencies. Oral submucous fibrosis also has a significant mortality rate because it is a premalignant condition and malignant transformation has been noticed. Here, we report the role of collagen membrane in surgical management of OSMF Grade-IV.

Ocular drug delivery is challenging field to pharmaceutical scientists owing to the underlying anatomical, physiological and dynamic constraints put forth by the eye. Nonetheless, there is increasing need to overcome these barriers for the treatment of sight threatening ophthalmic ailments. Novel drug delivery strategies are being explored while intravitreal injections are still a standard treatment for the efficient treatment of ocular disorders. Topical ophthalmic in situ gels could be viable platform to increase mucoadhesivity, pre-corneal residence and thereby ocular bioavailability of drugs. In this review, various topical in situ gel formulations exploited for ocular delivery are summarized.

The rapid development of urbanization has brought about increasingly prominent ecological contradictions. Nowadays, flood has become a new urban disease in China's major cities, while storm water management turns to be a top priority for all levels of government. The Ministry of Housing and Urban-Rural Development issued a "sponge city construction technology guide" in November 2014. April 2016, Ningbo was successfully selected as the second batch of national sponge city construction pilot cities. The author investigates the current situation of Ningbo city planning, program construction as well as supervision and protection approach, according to the existing problem on organizational management, retrofit of old industrial area, and the utilization of capital in the construction process of Ningbo sponge city, combined with the relevant experience of domestic demonstration work and the city case, the author puts forward some corresponding recommendations.

Increasing problem of resistance to conventional antibiotics has initiated an alarming situation for entire world and hence there exist an immediate need to explore better alternatives for combating resistance. This exploration of substitutes led to discovery of bacteriocins which are considered as natural antimicrobial agents. Bacteriocins are proteinaceous substances ribosomally synthesized from certain bacteria. Bacteriocins producing bacteria include both gram positive and gram negative bacteria. Bacteriocins have been classified in various classes on the basis of amino acids present, producer bacteria, and molecular masses. There are four classes of bacteriocins produced from gram positive bacteria and two classes produced from gram negative bacteria. Bacteriocins exhibit all four mechanisms of microbial inactivation used by conventional antibiotics which are inhibition of cell wall synthesis, disruption of membrane structure and integrity, interference in protein and DNA synthesis. In addition to these conventional drug targets, bacteriocins show novel mechanism of septum formation which results in termination of cell cycle. Bacteriocins have shown a wide range of applications in pharmaceutical industry as an excellent drug for multidrug resistant bacteria as well as against methicillin resistant staphylococcus aureus (MRSA). They have also displayed inhibitory effects against peptic ulcer causing H.pylori and skin infections causing gram positive bacteria. They possess antimicrobial activity not only against bacteria but viruses and fungi are also susceptible to bacteriocins.

Forensic dental fieldwork requires an interdisciplinary knowledge of dental science. Barr bodies are known to arise from inactivation of x- chromosome in a female cell, so it also has been used as a reliable method for sex determination. The objective of this study is to evaluate the reliability and accuracy Buccal Barr bodies for sex determination. The study was conducted on 100 subjects, (50 males and 50 females) with an age range of 20 to 36 years. The method was applied on each subject and the data was collected. After obtaining the data it was coded, analysed, decoded, interpreted and statistically analysed. The sensitivity and specificity of buccal barr bodies was found to be 24% and 84% respectively with an accuracy of 54%. It is concluded that buccal Barr bodies have the accuracy (54%). Hence it can be one of the reliable parameter but more studies are required to justify role in forensic odontology for sex determination, but certain circumstances like delay in sample staining, storage incapability can alter the results. Hence, more samples with accurate sample collection and storage technique can provide better results.

The aim of the article is to describe the relationship between Europe and Islam based on the analysis of economic, cultural and social factors, including demographic changes in Europe and in the Muslim countries. This article was developeSaudi J. Humanities Soc. Sci.d due to the use of mainly qualitative research, particularly on the basis of the analysis of sources and desk research, as well as on the results of own studies on the change of value systems among the young generation of the Arabs. The entire article was adhered to the thesis on the inevitability of the civilization conflict that we are witnessing in the reality of the migration crisis, and also in the age of ‘dying’ Western civilization.

Artificial denture ingestion is a multidisciplinary problem. Not only artificial but fixed dentures are also at high risk of ingestion or aspiration in case of their spontaneous or traumatic dislodgement. Clinical presentation of denture ingestion varies with the site of impaction and its associated complications with passage. It is an uncommon problem requiring awareness of many specialists including dentists, surgeons, otolaryngologists and anesthesists. Complications include obstruction, bleeding, perforation fistulae with neighbour organs. Here a patient presented to casualty with symptoms of sub-acute intestinal obstruction after alleged history of artificial denture ingestion. Patient was operated and denture was retrieved from transverse colon.

The six sigma methodology is most powerful quality improvement technique which is used for achieving, maintaining and maximizing the business success. Six sigma is based on understanding the customer needs and expectation. This study mainly focused on six sigma quality philosophy and other related philosophy that is implemented in these studies to identify the rejection problem which are facing by a manufacturing industry. The six sigma philosophy provides a step-wise quality improvement methodology in which statistical techniques is used for check the changes in the process.

Let a simple graph G is a connected graph. The General Randic Index GR(G) of a graph G is defined as GR(G) = ∑ (�u �v )t ; uv E(G) where �u and �v are the degree of vertices u and v. If t = ,then it is called Randic index which is defined as:- uv E(G) R(G) =∑ √ In this paper, we construct the Randic and General Randic Indcies of Alkanes and unicyclic graphs with application to cycloalkanes.

Over the course of time, dentistry has evolved from a primitive form of dental care to modern day use of preventive treatment modalities. In today’s modern dentistry with the availability of various new obturating materials, it was interesting to accidently diagnose the root canal being obturated with stainless steel wire. Here, we report a unique case where the root canal of a 10 year male patient was obturated with stainless steel wire following which the patient developed persistent pain and infection.