Volume 5 - Number 3
(Cumulated No. 45), March 25, 2013, ISSN 1553-992X
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Titles / Authors
Customer Relationship Management (CRM) in Banking System
Ali Sorayaei1and Vahid Khalatbari Limaki 2, 3
Department of public
Administration, Babol Branch, Islamic Azad University,
student, Department of public
Administration, Qaemshahr Branch,
Islamic Azad University, Qaemshahr, Iran
Central Bank of the Islamic Republic of Iran
Vahid Khalatbari Limaki,
In past years, banks of country have not considered
customer-centering and its components due to different social
and economic problems and dependency of banks on the government
and more important due to excess of supply on demand, then
couldn’t use modern marketing well. People don’t have any
motivation to go to banks since that no one considered them and
their needs and also because all branches of banks offer same
services. So, they have to go to banks just to supply basic
needs and in other words it can be said that now customers offer
service to banks not banks to customers. According to
environmental changes we will face, banks should consider some
issues beforehand such as equipping themselves, recognizing
customers’ expectations and needs, and even market condition,
because each bank which can recognize these needs and meet them
sooner than the competitors will be success in this competition.
In this article it was tried to assess role of Customer
Relationship Management and its weakness and strengths in Banks
of Iran then finally some recommendations are offered in order
to modify and improve quality of services in Bank.
Sorayaeiand Vahid Khalatbari Limaki.
Customer Relationship Management (CRM) in Banking System.
2013;5(3):1-4] (ISSN 1553-992X).
Customer Relationship Management (CRM), bank, Iran, customer -
Recommended by Zhang Dongsheng,
2013;5(3):5-17] (ISSN 1553-992X).
The Commitment of Saudi
Commercial Banks With the Requirements of the Internal Control
Over E-Commerce Activities ( From External Auditor Perspective)
Dr Mohamed Almoutaz Almojtaba
Ibrahim 1 , Dr Neimat Mohamed Saeed Bushara 2
1. Department of Accounting and
Auditing University, Taif - Saudi Arabia University, Nileen
2. Department of Marketing
University, Taif - Saudi Arabia University, Omdurman Islamic
This study aims to
inspect the Commitment of internal audit units in the Saudi
Commercial Banks with the control requirements on e-commerce
legal requirements and the requirements of security, protection
and technological requirements.
Researchers have adopted on specialized literature review
pertaining to accounting and e-business to formulate the
conceptual framework. The data were collected through a
questionnaire designed for this purpose and distributed to
external audit offices to review Saudi commercial banks. The
researchers distributed 50 copies; however there were 45 copies
received and valid for analysis. Researchers have found a
statistically significant relationship between internal control
requirements in terms of administrative and technological
requirements and the requirements of security, protection, and
compliance with control over electronic commerce activities.
Moreover, legislative and legal requirements for e-commerce
activities in the Saudi commercial banks are still inadequate
and there is no obligation to those requirements where you need
those laws to keep pace with rapid developments in the area of
electronic business development. In the light of the conclusions
of the study, the researchers recommended that Saudi banks to
develop regulatory systems to keep pace with the rapid
developments in information technology and miscellaneous uses in
banking industry, legal, structural and technical requirements
of security and protection for electronic commerce activities.
[Mohamed Almoutaz Almojtaba Ibrahim, Neimat Mohamed Saeed
Bushara. The Commitment of Saudi Commercial Banks With the
Requirements of the Internal Control Over E-Commerce Activities
(From External Auditor Perspective).
Internal control requirements, E-commerce, Legislative
requirements control, The requirements of protection and
security control, Technological requirements control,
Administrative requirements control.
Challenge of Associated Gas
Flaring and Emissions Propagation in Nigeria
David O. Edopka*,
Precious N. Ede
Institute of Geosciences and
Space Technology, Rivers State University of Science and
Technology, Nkpolu-Oroworukwo, Port Harcourt, Nigeria. email@example.com
Operations at gas plants and flow
stations in Nigeria involve flaring of excess gas on twenty-four
hourly basis. Combustion of associated gas contributes to the
atmospheric content of carbon, nitrogen, sulphur and total
hydrocarbon with its resultant effect that cause damage to the
environment due to acid rain formation, global warming and ozone
depletion. This study evaluates the challenges of gas flaring,
spatial propagation of emissions and atmospheric conditions that
affect their spread using the Idu Obosi in the Niger Delta of
Nigeria as a case. The AirWare Model was used in the process of
determining the distribution. The results showed that at higher
wind speeds (5-8m/s), emission concentrations increases at
closer distances (300m-1km) and decreases at increased
distances. While at lower wind speeds (1-3m/s), high
concentrations are experienced from 0-8km. Emission
concentrations were more prevalent at closer range under the
very unstable atmospheric condition, while under the stable and
neutral conditions, concentrations are at farther distances. The
trajectory of the study settlement relative to the flare shows
that the habited area is well within the distance range (8km) of
the modeling results. It is clearly shown from the study that
meteorological factors such as atmospheric stability, wind speed
and direction play an important role in predicting the behavior
of pollutant plumes. The dominant wind direction was
south-westerly meaning that pollutants will be transported to
the northern and north-eastern direction of the study area. Oil
companies should endeavor to reduce gas flaring by capturing the
extra gas during oil production and channeling it to useful
purposes or re-injection.
[Edokpa DO, Ede PN. Challenge
of Associated Gas Flaring and Emissions Propagation in Nigeria.
2013;5(3):28-35] (ISSN 1553-992X).
gas flaring, emission propagation, Niger Delta.
Nutritional Evaluation Of Water Melon Juice (Citrullus lanatus)
Ogunbanwo S. T.*1
Azinat,1 Adeniji Olufunke2 and Fadahunsi
of Microbiology, University of Ibadan, Nigeria
of Transport and Tourism Studies, Redeemer’s University,
Redemption City, Mower Ogun State, Nigeria
Abstract: Studies were conduct
on different samples of water melon juice (fresh water melon
juice with sugar (FWMJS), fresh water melon juice without sugar
(FWMJWS), refrigerated water melon juice with sugar (RWMJS) and
refrigerated water melon juice without sugar (RWMJWS). The
result of the investigation obtained showed that the highest
bacteria load of 5.3X 106 cfu/ml, fungal count of
1.2X106 cfu/ml and yeast count of 1.0X106
cfu/ml were recorded in RWMJUS after 15 days of storage. The
identification process revealed that microorganisms such as
Eschericca coli (20%) Staphylococcus epidermidis
(16%) Saccharomyces cerevisiae (12%) and
Aspergillus niger (4%) were implicated. The
nutritional analysis showed that FWMJWS have the highest % crude
protein (0.71), ash (0.10), and moisture content (69.75).
However the RWMJS contained the highest quantities of Ca
(0.51mg/100g), K (1.31mg/100ml), Na (0.26mg/ml), P (0.156mg/
100ml) Fe (0.30mg/100ml) Zn (0.018mg/100ml) and Mg
(0.012mg/100ml) similarly the quantities of Ca (0.51 mg/100g)
and Mg (0.012 mg/100g) in FWMJS were the same with that of RWMJS.
Study therefore concluded that
fresh water melon juice
susceptible to microbial attack compared to
water melon juice fortified with
Olufunke and Fadahunsi IF. Microbiological and
nutritional evaluation of water melon juice (Citrullus
lanatus). Academic Arena.
Key words: water melon juice,
Microbiology, nutritional, sensory evaluation, refrigeration.
2013;5(3):42-48] (ISSN 1553-992X).
Theory in Practice
Rohela1 , Sachin Kumar Agrawal
Institute of Technology, Moradabad
Mahaveer University, Moradabad
Abstract: This paper will take a
brief look into the Stochastic modeling of queuing theory along
with examples of the models and applications of their use. The
goal of the paper is to provide the reader with enough
background in order to properly model a basic queuing system
into one of the categories we will look at, when possible.
[Navneet Rohela, Sachin Kumar
Agrawal, Mayank Pawar.
Queueing Theory in Practice.
2013;5(3):49-50] (ISSN 1553-992X).
Exponential Distribution, Poisson Process.
2013;5(3):51-64] (ISSN 1553-992X).
Bacteriological quality of street-vended Ready-to-eat fresh
salad vegetables sold in Port Harcourt Metropolis, Nigeria
Odu Ngozi Nma and Okomuda Mary Oruese
Department of Microbiology,
University of Port Harcourt, P.M.B. 5323, Choba, East-West Road,
Port Harcourt, Nigeria
Vegetables promote good health but harbor a wide range of
microbial contaminants. To assess the microbial quality of
street-vended ready-to-eat fresh vegetables, fourteen samples of
cabbage and lettuce vegetable were purchased from different
markets. Samples of salad vegetables were analyzed using
standard bacteriological methods. The bacteria loads as
reflected by the total aerobic count ranged from 3.1 x 105
to 7.8 x 105CFU/g for cabbage and 3.1 x 105
to 6.9 x 105 CFU/g for lettuce. The total
coliform counts ranged from 3.4 x 105 to 5.6 x 105
CFU/g for cabbage and 3.4 x 105 to 4.0 x 105
CFU/g for lettuce. The total Salmonella-Shigella counts
ranged from no significant growth (0.0 x 105) to 3.6
x 105 CFU/g for cabbage and no significant growth
(0.0 x 105) to 3.4 x 105 CFU/g for
lettuce. A total number of twelve genera of bacteria were
isolated and identified as Staphylococcus (7.6%),
Proteus spp. (5.1%), Bacillus spp. (3.4%),
Shigella spp. (2.5%), Micrococcus spp. (1.7%),
Pseudomonas spp. (7.6%), Enterobacter spp. (1.7%),
Serratia spp. (1.7%), Citrobacter spp. (2.5%)
Klebsiella spp. (6.8%), Salmonella spp. (13.6%) and
Escherichia coli (45.8%). This showed that Escherichia
coli (45.8%) were most predominant, followed by
Salmonella spp. (13.6%) while Micrococcus spp.
(1.7%), Enterobacter spp. (1.7%) and Serratia spp.
(1.7%) were least predominant. Since the vegetables are
ready-to-eat and will not be subjected to heat treatment, it
could be a source of food poisoning to consumers. However,
regular inspections of food premises and education of food
vendors has been recognised as one of the measures to ensure
improvement of the quality of street foods. Thus, government
should placed emphasis on educating vendors on simple preventive
steps of keeping food hygienically safe.
[Odu Ngozi Nma and Okomuda Mary Oruese. Bacteriological
quality of street-vended Ready-to-eat fresh salad vegetables
sold in Port Harcourt Metropolis, Nigeria. Academia Arena,
(ISSN: 1553-9865) http://www.sciencepub.net/academia.
Fresh vegetables, Salads, Ready-to-eat, Street-vended,
Pathogens, Public health
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