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CPM Federal Credit Union Membership Profitability Analysis Using Power BI
No full textProfitability in any business is crucial for its sustainability and growth. The nonprofit organization CPM Federal Credit Union uses fees like non-sufficient funds (NSF) for revenue placed directly into its members. The project focused on how eliminating fees at the policy level would impact CPM’s ability to maintain its income and provide much-needed insight into members’ profitability, as well as retention. A Power BI model was developed to determine how policy changes would affect CPM\u27s profits (through removal of a major income stream) and could be offset by identifying potential substitutes to mitigate lost revenue. Potential changes in revenue based on fee waivers that focused on member retention rather than profit were investigated. Additionally, changes to fees and other service cost effects were analyzed to determine the impact on various membership segments. The Model Anita semantic model was used to calculate data using data analysis expressions (DAX) queries over three months (April 1, 2024 – June 30, 2024) to generate detailed fee analyses, interest estimates, and an overview of membership value. The checking account fees, NSF fees, and membership benefits of 15 credit unions across the state were compared along with evaluating the Kasasa Model (cash-back checking) as options for CPM. Charging a fee for simple and essential checking accounts as a revenue safeguard against policy-level fee elimination was determined to be an effective option. Model Anita (along with Model Ralph and Model Shannon) was found to be effective for shaping CPM’s checking account policy to increase member retention and profit
Comparing Bioplastics made from Arrowroot Starch vs Orange Peels and Banana Peels to Determine which has the Greatest Durability and Water Resistance
No full textPlastic is an essential part of daily life. However, due to the composition of traditional plastics, it is extremely toxic to the environment. In an attempt to mitigate this issue, bio-based plastics -namely, bioplastics- were created.. There are many types of bioplastics including cellulose-based, bacterial-based, and starch-based bioplastics. Starch-based bioplastics can be made of many different components including basic starches and fruits. Therefore, the purpose of this study was to understand the application of bioplastics through certain conditions such as force and water. It was hypothesized that in comparison to orange peels, banana peels would be the most effective bioplastic due to their higher starch concentration. In order to test this, three different types of bioplastics were created. First is arrowroot starch, which was treated as the control. This is followed by bioplastics made from banana peels and orange peels, which contain an abundant amount of starch. Due to their makeup, the methods of creating the bioplastics differed slightly between the banana and orange peels. However, both bioplastics required the use of glycerin, a plasticizer. The results were statistically significant. The mean differences overall for the bioplastics was highly significant, with a F(2,82) =47.6, p=\u3c .00001. The hypothesis was partially supported
The Process of Turning Plastic Waste (High-Density Polyethene) into Fuels and Oils Used for Energy Consumption
No full textThis study investigates the gasification of High-Density Polyethylene (HDPE) plastic waste at 700°C, using a system that combines steam and argon gas. The purpose of this experiment was to produce syngas, a valuable mixture of hydrogen (H₂), carbon monoxide (CO), methane (CH₄), and carbon dioxide (CO₂), which can be utilized for energy generation and chemical synthesis. The experiment explores how varying gas concentrations change over time, providing insights into the optimal conditions for efficient plastic waste conversion. It was hypothesized that, under specific temperatures and steam flow rates, HDPE can be converted into valuable syngas, which could potentially be used as an alternative energy source. Gas chromatography and a specialized system were used to measure and find results. Initially, gas production is low, but H₂ and CO concentrations increase significantly during the first 30 minutes, with CH₄ reaching its peak at around 20 minutes before beginning to decline. CO₂ levels remain relatively low throughout, highlighting the reduction-dominated nature of the process. The results indicate that syngas production is most efficient within the first 30 minutes, after which it diminishes as the HDPE material is consumed. This study demonstrates the feasibility of using HDPE gasification as a method for converting plastic waste into usable energy resources. It also provides valuable information about the optimal temperature, steam flow, and reaction time required for maximizing syngas yield. These findings could lead to more efficient, scalable plastic waste-to-energy processes, contributing to both waste management and sustainable energy production
The Repellent Effectiveness of Momordica charantia L. Against Musca domestica.
No full textPesticides are used globally and their main purpose is to deter or kill insects. However, exposure to them can be detrimental to an individual\u27s health (Marcelino et al., 2019). The purpose of this study was to create a natural pesticide that is safe yet effective with Momordica charantia L. (bitter melon) that repels the Musca domestica (house fly). It was hypothesized that as the amount of liquified Momordica charantia L. increased in the solution, the repellence of the Musca domestica would increase due to the alkaloids present having insect repelling factors. The Musca domesticas were contained inside an enclosement with two zones, zone 1 being sprayed with the natural pesticide, and zone 2 not being sprayed with anything. The Musca domestica was then placed inside the enclosement for 60 second trials and its behavior was recorded. The results of the p-table show a value below 0.0001, suggesting that the results were statistically significant. It was concluded that there is sufficient evidence to suggest that the natural Momordica charantia L. solution successfully repels the Musca domestica
A Fibonacci and Lucas Inequality
No full textIn this presentation, we will outline the process of solving an open problem from the journal The Fibonacci Quarterly. Specifically, we discuss the solution to the following inequality: For n≥4 prove that: 1/(〖〖(F〗_n〗^2-1)(〖F_(n+1)〗^2-1)〖〖(L〗_n〗^2-1))+1/(〖〖(F〗_n〗^2+1)(〖F_(n+1)〗^2+1) 〖〖(L〗_n〗^2+1))\u3e2/〖F_(n+1)〗^6 where F_n and L_n are the nth Fibonacci and Lucas numbers, respectively. We recall that the Fibonacci sequence is defined by the recurrence relation F_n=F_(n-1)+F_(n-2) for n≥2 with initial values F_0=0 and F_1=1. Similarly, that the Lucas sequence is defined by the recurrence relation L_n=L_(n-1)+L_(n-2) for n≥2 with initial values L_0=2 and L_1=1. In this talk, we discuss the essential strategies we used to solve the problem. These include: a heuristic approach, a divide-and-conquer method, and a theoretical proof. Finally, I would like to share our experience working on this problem and what we gained throughout the process
