Assessment of Efficiency of Drying Grain Materials Using Microwave Heating

We present results of experimental work on studying the drying of a dense layer of grain using microwave heating. We investigated a series of techniques to supply heat to grain to assess energy efficiency of a microwave field. We studied the following ways of drying: a microwave method, a pulsating microwave method, a microwave-convective cyclic method with blow of a layer with heated air flow and air without preheating, simultaneous microwave-convective drying method.Studying the kinetics of drying in a microwave field showed that we can divide the process into heating periods (zero drying rate), constant (first drying rate) and falling (second drying rate). These periods are characteristic for drying of colloidal capillary-porous bodies at other methods of heat supply. We obtained empirical relationships for the drying rate and the average temperature of grain in the first period based on the generalization of experimental data on the study on drying of grain of buckwheat, barley, oats, and wheat. We presented kinetic dependences in a dimensionless form. They summarize data on the studied grains. The aim of comprehensive studies of various methods of heat supply during drying was determination of the optimal method and rational operational parameters, which ensure high intensity of the process and the required quality of the finished product with minimal energy consumption.All studies took place under identical conditions and for the same grain (oats) to ensure the accuracy of the comparison. We determined that the most preferable method is a simultaneous microwave-convective energy supply without air preheating, which minimizes specific energy consumption. Experimental studies on drying using a microwave field made possible to select the required process parameters: power, heating rate, mass, and form of loading. We plan to develop a technology for drying of grain using microwave energy based on the study dat

Bacterial Crown of Grapes with Particular Devote on the Seedling Material

The production of healthy bedding material of grapes are extremely complex and responsible work, which needs high qualifications and knowledge from different aspects. Bedding material can transmit many diseases and pests, and has a bad influence in susceptibility, developing and fruitfulness in grapes. The some problem makes bacterial crown gall indicated by Agrobacterium tumefaciens. The bacterium with its products, affect the meristem tissues and develop tumor tissues. So, the bacterium has an indirect influence perturbing leaf vein and root system. Diseased grafts have got a slow advancement and soon they decay

Assessment of Efficiency of Drying Grain Materials Using Microwave Heating

We present results of experimental work on studying the drying of a dense layer of grain using microwave heating. We investigated a series of techniques to supply heat to grain to assess energy efficiency of a microwave field. We studied the following ways of drying: a microwave method, a pulsating microwave method, a microwave-convective cyclic method with blow of a layer with heated air flow and air without preheating, simultaneous microwave-convective drying method.Studying the kinetics of drying in a microwave field showed that we can divide the process into heating periods (zero drying rate), constant (first drying rate) and falling (second drying rate). These periods are characteristic for drying of colloidal capillary-porous bodies at other methods of heat supply. We obtained empirical relationships for the drying rate and the average temperature of grain in the first period based on the generalization of experimental data on the study on drying of grain of buckwheat, barley, oats, and wheat. We presented kinetic dependences in a dimensionless form. They summarize data on the studied grains. The aim of comprehensive studies of various methods of heat supply during drying was determination of the optimal method and rational operational parameters, which ensure high intensity of the process and the required quality of the finished product with minimal energy consumption.All studies took place under identical conditions and for the same grain (oats) to ensure the accuracy of the comparison. We determined that the most preferable method is a simultaneous microwave-convective energy supply without air preheating, which minimizes specific energy consumption. Experimental studies on drying using a microwave field made possible to select the required process parameters: power, heating rate, mass, and form of loading. We plan to develop a technology for drying of grain using microwave energy based on the study dat

Virtual Banking and Financial Inclusion

Financial sector is constantly striving to find new ways to provide financial services to the world's population as the fact that banks play a key role in promoting online businesses. The increase in technology in the financial industry (FinTech) seems to have filled the gap in the inaccessibility of financial services, as facilitating accessibility for all entities to financial tools and services at reasonable costs. Digital Payments, P2P and many others are just an example of the development of FinTech, and while these innovative services have changed the financial world, including many participants in the financial sector, a huge unused portion of the world's population, which does not use a bank, remained non-inclusive. Keywords: digital, banking, financial, inclusion, payments. DOI: 10.7176/RJFA/10-13-06 Publication date:July 31st 201

Blockchain and Digital Currency in the World of Finance

High-tech enables payment evolution and global competition. The ambiguities surrounding of the digital currency still leave enough space for the analysis of its unreserved acceptance, trust and anticipation, which are the main driver for the spread of the network. Banks should carefully consider the technology underlying these cryptocurrencies as a potential generic new way of transferring ownership of the value over the long term. The chapter provides an analysis of the use of cryptocurrencies in general, especially Bitcoin as the technology adoption in the presence of network externalities. The objective attitude is the future of the digital currency in the moment is still unsolved issue due to the existence of “critical mass”. Further, the chapter explores financial privacy which is very sensitive issue in using digital currency (or cryptocurrency) and discuss about private choices versus political rules. The research has shown that the future of cryptocurrencies can be bright if some institutional-formal conditions are met due to the fact that success evolution of e-money requires building safety payments through three criteria–standardization, compatibility and innovation

FINANCIAL DIGITALIZATION AND ECONOMIC GROWTH: RECENT DEVELOPMENTS IN BANKS AND FINTECH

High technology enables payment evolution and global competition. The ambiguity surrounding the digital currency still leaves ample room for analysis of its unreserved acceptance, trust and anticipation, which are the main drivers of the network's spread. Bitcoin and other cryptocurrencies have the potential to replace traditional and new forms of payment. But to achieve this and become a dominant force in the global payments system, they must provide distinctive individual value, address and overcome a number of critical challenges, such as formal regulatory issues. Banks should take a close look at the technology underlying these cryptocurrencies as a potential generic new way to transfer ownership of value in the long term. The objective view is that the future of digital currency is currently still an open question due to the existence of a "critical mass". The research showed that the future of cryptocurrencies can be bright if some institutional-formal conditions are met due to the fact that the successful evolution of e-money requires building security payments through three criteria – standardization, compatibility and innovation. Also, the partnership between Fintech companies and banks is an already implemented formula that bears fruit, but we must not leave out the fact that all developed countries in their platforms, in addition to connecting banks, implement the platforms with the direct participation of e-Government and the concept of interoperability

CULTURAL AND CREATIVE INDUSTRIES: ECONOMIC BENEFITS AND PERSPECTIVES

This paper explores the importance of the cultural and creative sectors through the lens of the tourism industry. Namely, cultural tourism and cultural heritage have enormous potential and are a driving force above all for local but also national economic growth and development. Creative and cultural industries are the carriers of innovation, and innovation increases productivity, which is a basic prerequisite for good economic well-being. In this paper, the authors test the impact and application of digitization in the cultural sector, as well as an analysis of where they are moving and in which segments the countries of the Western Balkans are investing when it comes to the cultural sector, cultural and creative industries

КРИМИНАЛИСТИЧКИ И КРИВИЧНО – ПРАВНИ АСПЕКТИ НА СТЕЧАЈНИОТ КРИМИНАЛИТЕТ ВО РЕПУБЛИКА МАКЕДОНИЈА

External and internal influenza of business courses, is generating positive and negative sublimate, regarding the functioning, which is manifesting with gain or loss in the balance of success of the enterprises. This is some kind of „roadmap“ for creditors, employees and other stakeholders for performance, to management in operation easily. Negative result signals „red light“ for the enterprise, leading it to entropy, which leads to bankruptcy, which generally ends - up with liquidation of macedonian economy, and its deletion from the trade register. Efficient bankruptcy system is a constituent of the market economy as it provides the security of creditors, consolidation and recovery of the company from financial problems, a rapid return of blocked funds in the payment operations in the country and abroad, which sees its consequences for the recovery of enterprises, as opposed views in Macedonia for bankruptcy and bankruptcy procedures to observe and experience as, „fatal - death of the enterprise“. The company as a major economic entity, which builds stability and development of the Macedonian economy, according to Company law is manifested in two forms: sole proprietor and company (public company, limited partnership, limited liability company, joint stock company, limited partnership by shares), in its functioning are facing at crisis situations, which in some cases are deliberately produced by the managers, who through to major capability of bankruptcy crimes, also realizing large profits and unlawful gains, damaging both the creditors and employees, regarding their possible rights, implying generally harmful effects on the financial and social system, and by encouraging certain processes, which result in mutual interactions for destabilizies in the socio - economic system. Bankruptcy crime in Macedonia is researched in several criminal - legal aspect, resulting in his observations on the lack of transparency and complexity, diffusion of responsibility, diffusion of victimization, also as to detect difficulties, hard processings, mild penalties, legal uncertainties and ambiguities and uncertainties about delinquents’s position, which incrimination highlights distinct around.The most important criminal acts that are 7 performed are the bankruptcy crime, with emphasis on the misuse of official position and powers, counterfeiting, especially the business documentation and its destruction, tax evasion, false bankruptcy, bankruptcy with reckless operation, damage and favoring the creditors, the bankruptcy abuseprocedure and the criminal liability of legal and responsible person. Application and improvement of operational and tactical measures, means, methods and activities of the Ministry of Interior and other security structures in criminal activity (criminology and criminal processing control) as fundamental hydraulic propel lever, in the discovery, clarifying and documenting the bankruptcy crime, and application of criminal sanctions of its employees, and thus reduces his „dark figure“. State through precise legal framework in respect of the business enterprises, defining the criminal liability of management bodies, and weighting of penalties at a higher level, contributing in an integrated detection and suppression of crime bankruptcy, which created a market objective setting, that bankruptcy and bankruptcy procedures are perceived as a normal occurrence in business. Until now, this term can not be sinonom of unhonour for management, fraud creditors and employees of unlawful enrichments way