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A structural and textural characterization study has been performed to investigate the adherence of zeolite-based catalyst washcoated onto honey-comb-type cordierite monoliths. The supports were characterized by the scanning electron microscopy/energy-dispersive X-ray spectroscopy (SEM/EDS), X-ray diffraction (XRD) and Brunauer–Emmett–Teller (BET) techniques.

SEM/EDS provided quantitative estimate of the washcoated monolith as the elemental composition of catalyst coating. The XRD pattern deduced that the zeolite-based catalysts were successfully mounted on the cordierite support, showing the characteristic peaks of zeolites (Zeolite Socony Mobil–5; ZSM-5) at Braggs angles of 7.88°, 8.76°, 23.04°, 23.88° and 24.36°, whereas the characteristic peak of cordierite is seen at a Braggs angle of 10.44°.

The BET results proved that a monolayer of zeolite may serve the need for surface area and porosity. This was evident in the increase of surface area of washcoated support as against the bare support. The obtained isotherms were of Type IV, illustrating the presence of mesopores. The adsorption and desorption isotherm branches coincided over the interval 0 < P/P0 < 0.50 and 0 < P/P0 < 0.45, showing N₂ reversible adsorption for the two samples, respectively.

It was concluded that the composite materials which are ZSM-5 (Si/Al = 25) and precursors of the transition salts of copper, zinc and ceria powders were deposited on the catalyst supports, establishing the success of the coating procedure relative to the adherence of the catalyst compositions on the ceramic support.

This work aims to analyze the effect of mechanical activation on structural disordering (amorphization) in an alumina-silica ceramics system and formation of mullite most notably at a lower temperature using X-ray diffraction (XRD). Also, an objective of this work is to focus on a low-temperature fabrication route for the production of mullite powders.

A batch composition of kaolin, alumina and silica was manually pre-milled and then mechanically activated in a ball mill for 30 and 60 min. The activated samples were sintered at 1,150°C for a soaking period of 2 h. Mullite formation was characterized by XRD and scanning electron microscopy (SEM).

It was determined that the mechanical activation increased the quantity of the mullite phase. SEM results revealed that short milling times only helped in mixing of the precursor powders and caused partial agglomeration, while longer milling times, however, resulted in greater agglomeration.

It is noted that, a manual pre-milling of approximately 20 min and a ball milling approach of 60 min milling time can be suggested as the optimum milling time for the temperature decrease succeeded for the production of mullite from the specific stoichiometric batch formed.

The general-purpose engine lathe is the most basic turning machine tool. As with all lathes, the two basic requirements for turning are a means of holding the workpiece while it rotates as well as a means of holding cutting tools and moving them relatively to the workpiece. In this paper, we present the results of finite element analysis (FEA) performed to investigate nature of stress and their distribution at optimum point along the two turning tables of a micro-controller based versatile machine tool desktop learning module. Commercial Autodesk Inventor was used to create both three-dimensional (3D) and 2D models as well as performing simulation. Dynamics simulation generated the motion load expected to act on the tables when used for real-life operation which were in turn used to perform the FEA. The motion of the DC stepper motor driving the tables and other parts of the module is designed to be controlled by programmable chips. Before creating FEA simulation for the tables, numerical divergence were prevented by varying the mesh settings to obtain the settings at which the results of the analyses converges which was obtained at 0.03 average element size and 0.04 minimum element size. Finite element analysis carried out on the tables shows that aluminium alloy 4032-T6 chosen will serve in the fabrication of physical prototype. FEA revealed the nature and level of stresses that will be experienced on the tables, it also revealed region where these stresses will concentrate on them. The analysis also estimated the expected weight of the turning tables 1&2 to be 1.23536 and 0.257182 kg respectively and show that the minimum factor of safety was constantly 15 ul within the tables which means that they will not fail during operation.

Extensive research towards identifying the attributable cost overrun factors globally has been conducted predominantly from a survey-oriented perspective, which disregard the contextual basis on which these triggers manifest. This study aims to explore the driving factors of cost overrun in highway projects, specific to the Nigerian context.

The research used a context-based approach to seek project stakeholders’ perspectives on the key drivers of cost overrun in highway projects in Nigerian. Semi-structured interviews were conducted with client, contractor and consultant organisations involved in the provision of highway infrastructure projects in Nigeria. The collected data was analysed using a developed coding framework grounded on a case study approach, principles of inductive thematic analysis and saliency analysis to identify the key drivers.

Findings from the analysis identified triggers from macroeconomic, societal, leadership and project management perspectives with synergistic relationships with each other based on prevalence and significance. Among the key triggers is a delay in work progress, political instability, adverse weather, social issues, delay in progress payment to contractors and modification of project scope. In conclusion, the triggers of cost overrun in highway projects are contextually driven by the complex nature of the project management, societal, macroeconomic and leadership triggers specific to the Nigerian context.

The research was limited to only highway infrastructure projects in Nigeria. Furthermore, the findings are based on a small sample size, and thus, caution must be taken before applying the outcome of this study in a generalised way to other contexts.

Practically, the stakeholders i.e. client, contractors and consultants should acknowledge the contextual circumstances in which each of the triggers takes place, which will aid in developing pragmatic measures and make the right decisions towards addressing these triggers during any highway construction project in Nigeria and enhance the chances of project success.

The context-based approach applied in this study is expected to provide a new insight in understanding the triggers of cost overruns, especially in highway projects in Nigeria and indeed other developing countries with similar governance characteristics

The purpose of this study is to establish whether religion (interest) is an impediment to Nigeria’s financial inclusion targets to be achieved by the year 2020.

The data were collected through semi-structured interviews and documentary evidence. Thematic analysis was used to analyze the interview responses.

It was found that all the Central Bank of Nigeria (CBN) programs that contribute toward achieving financial inclusion are interest-based ones. Further, none of them provides a non-interest window except Commercial Agricultural Credit Schemes (CACS). Even the CACS is not fully Shari’a-compliant, as it requires further modification. Despite the fact that interest is condemned in Islam, a majority of Muslims have been found to be accessing interest-based funds. Hence, interest is not a factor that hinders the achievement of reducing Nigeria’s financial exclusion rate to 20 per cent by the year 2020.

This study inquired into the programs under the Development Finance Department of the CBN by using semi-structured interviews and documentary evidence. Other programs of the federal government, state governments, NGOs and other private organizations and individuals are not considered. The findings have pointed out the areas to conduct future studies on religion and financial inclusion.

Although Muslims who complained about interest are a minority, there is the need to provide non-interest windows in the programs before they start shunning these programs, as a lot influential Muslim scholars are currently preaching against the interest.

The paper is one of the few studies that support the view that interest does not hinder the achievement of financial inclusion in a Muslim majority country.

This study developed a model for the mediation role of satisfaction on Jaiz bank products and services as an alternative way of improving customer’s subjective experiences of banking in Nigeria.

This paper adopted structural equation modelling’s confirmatory factory analysis with three-factor theory. Composite reliability, average variance extracted and discriminant validity were used to test the validity and reliability of data collected from a sample of 345 participants comprising senior, middle and lower-income earners. Also, descriptive statistics and independent analysis of variance were used for the analyses.

This paper provides insights into how Jaiz bank products and services will significantly improved the social lifestyle of Nigeria. Findings also indicates how context-specific Islamic bank products and services are embedded in the social ordering of communities in Nigeria and thus facilitate a more satisfactory and productive experience of customers.

Findings from the study provide insight and inform managers in making an informed decision on the products and services offered to a section of the popular, where strategic and analytical insights could strengthen different segments of the banking system in Nigeria. This study emphasises the significance of Islamic banking within the specific context of Nigeria, and also has an obvious theory and management implications.

It is hard to find a research paper discussing the mediation role of customer’s satisfaction on Jaiz bank products and services in improving the social lifestyle of Nigerians. This study provides a model that can be adopted in analysing products and services of Islamic banks based on customer’s satisfaction.

This paper aims to examine the determinants of intention to adopt Islamic microfinance among prospective customers in Nigeria, to enhance access to formal financial services.

The quantitative study used the proportionate stratified random sampling technique to collect data from 450 respondents, using close-ended questionnaires. The data was analyzed using analysis of moment structures-structural equation modeling. The decomposed theory of planned behavior (DTPB) was used as the underlying theory to test 10 hypotheses.

Results showed the intention toward the adoption of Islamic microfinance is high in Nigeria. In total, 8 of the 10 study hypotheses were supported, out of which attitude, subjective norm and perceived behavioral control were found to have a positive and significant influence on the behavioral intention to adopt Islamic microfinance. Consequently, the study recommends the need for stakeholders in the Nigerian financial system to embark on enlightenment campaigns that will improve the public attitude on the role of Islamic microfinance banks in the promotion of financial inclusion and poverty reduction.

The study focused specifically on three selected states in Northern Nigeria that are predominantly Muslim. The findings and indeed the conclusions of the study, may not be suitable for generalization to other parts of the country.

The study found that three constructs: attitude, subjective norms and perceived behavioral control were found to affect behavioral intention. Thus, the Central Bank of Nigeria and Islamic financial institutions should tailor their enlightenment campaigns toward improving public attitude on the need to adopt Islamic microfinance banks to further enhance financial inclusion, and thus reduce the incidence of poverty. Islamic microfinance banks should complement their commercial products and services with Islamic social finance products such as Sadaqat, Zakat and benevolent loan, as is the practice in jurisdictions where Islamic finance is institutionalized.

The social implication of the study is its ability to determine factors that will enhance financial inclusion in Nigeria. This will assist in reducing poverty and income inequality.

The study was also able to extend the DTPB by introducing awareness as an additional latent construct in explaining attitude.

This paper aims to investigate the tribological performance of the decanter cake feedstock biodiesel which was blended in 5 and 10 per cent volume with petroleum diesel.

The tribological performance of the decanter cake biodiesel was tested using the modified ASTM D4172 standard with temperature range from 300°C to 750°C and load range from 392 to 981 N while spindle speed is at 1,200 rpm.

At 5 per cent volume of biodiesel, friction reduced ranging from 10 to 45 per cent at all temperature and load ranges, whereas specific wear rate reduced ranging from 22 to 29 per cent at low load and 4 per cent to 15 per cent at high load for all temperature ranges. Addition up to 10 per cent volume of biodiesel reduced friction ranging from 10 to 35 per cent at all temperature and load ranges, whereas specific wear rate reduced ranging from 15 to 29 per cent only at low load for all temperature ranges.

The standardised test may not represent the actual condition of a real running diesel engine.

Because the lubricity of biodiesel was difficult to determine in a real running engine, this paper provided a standardised test for simplification.

This study aims to assess the household food insecurity in Malaysia during the initial phase of the movement control order (MCO) to provide insights into the prevalence and predictors of food insecurity in this context.

The research used an online cross-sectional survey between March 28 and April 28, 2020. The study collected data from the Radimer/Cornell Hunger Scale and a food insecurity instrument. Analytical tools included chi-square and logistic regression models.

Of the 411 participating households, 54.3% were food-secure, while 45.7% experienced varying food insecurity. Among these, 29.9% reported mild hunger-associated food insecurity, 8.5% experienced individual food insecurity and 7.3% reported child hunger. The study identified predictors for food insecurity, including household income, as those with total income of < RM 2,300 had 13 times greater odds (odds ratio [OR] 13.8; confidence interval [CI] 5.9–32.1; p < 0.001) than those with income of RM 5,600, marital status as divorced (OR 4.4; 95% CI 1.0–19.9; p-value = 0.05) or married (OR 1.04; 95% CI 0.52–2.1) compared to those who are single. Self-employed respondents had three times greater odds of living in a household experiencing food insecurity (OR 3.58; 95% CI 1.6–7.7; p-value = 0.001) than those in the private sector (OR 1.48; 95% CI 0.85–2.61) or experiencing job loss (OR 1.39; 95% CI 0.62–3.1) compared with those who reported being in full-time government employment.

This study acknowledged limitations, such as not considering various dimensions of food insecurity, such as coping strategies, nutritional support, diet quality and well-being, due to the complexity of the issue.

The study underscores the importance of targeted support for vulnerable groups and fostering collaborative efforts to address household food insecurity during crises like the MCOs.

The research offers insights into how to address household food insecurity and its impact on society.

It identifies predictors, quantifies increased odds and emphasizes the necessity of targeted policies and collaborative approaches for fostering resilient recovery and promoting well-being in vulnerable populations.

The purpose of this paper is to examine the impact of external debt and corruption on economic growth in the selected five Sub-Saharan African (SSA) countries, from 1990 to 2015.

Panel unit root and panel cointegration tests are employed to test for stationarity of the series and the long-run relationship, respectively. Fully modified OLS and dynamic OLS techniques are also employed to examine the long-run coefficients of the variables of the model, as well as panel Granger causality test, in order to examine the direction of causality among the variables.

The results indicate that there is a negative relationship between external debt and economic growth, as well as a bi-directional causality between the two variables. The findings also indicate a positive relationship between corruption and economic growth, as well as a uni-directional causality running from economic growth through corruption.

The study recommends that the governments of the selected countries should address the menace of rising external debt through the adoption of other sources of capital for investment. Such include more openness of the economy for more capital, by easing restrictions on genuine imports and exports of valuable goods and services. It also suggests that the issue of corruption be tackled head-on, by such penalties that tend to make corruption less attractive.

While the relationship between economic growth and external debt, on the one hand, and corruption and economic growth, on the other hand, have received considerable attentions, the trio of external debt, corruption and economic growth have not been found combined in a model, to the best of the authors’ knowledge. Also, the countries under consideration, who jointly account for about 47 percent of the entire SSA countries’ stock of external debt, have not been jointly found in any recent panel studies involving the selected variables.