Mohd Nadzri Jaafar

Factor affecting the housing financing of bumiputera in Iskandar Malaysia

Housing financing is one of the important mechanisms that should be considered by all groups to meet housing needs. Housing financing problems do not only face by the low-income groups, but also medium income. There are various government initiatives implemented to help the population, especially for the bumiputera to own a house. However, due to low purchasing power and difficulties in obtaining financing facilities affected the bumiputera afford to own a house according to their eligibility. Thus, this paper presents the overview of the problems and factors that influenced a bumiputera buyer to obtain financing facilities. Data and information are collected through questionnaires and the data gathered then be analyzed by using descriptive analysis, Cross Tabulation and Correlation Analysis by using SPSS software.The main factors influencing bumiputera problems to secure housing financing facilities are house prices too high; banking restrictions; high expenditure patterns and housing policies.

Emissions of Jatropha oil-derived biodiesel blend fuels during combustion in a swirl burner

Experimental works on combustion of jatropha oil biodiesel blends of fuel with high swirling flow in swirl burner have been studied in various blends percentage. Jatropha oil biodiesel was produced using a two-step of esterification-transesterification process. The paper focuses on the emissions of biodiesel blends fuel using jatropha oil in lean through to rich air/fuel mixture combustion in swirl burner. The emissions performances were evaluated by using axial swirler amongst jatropha oil blends fuel including diesel fuel as baseline. The results show that the B25 has good emissions even though it has a higher emission of NOx than diesel fuel, while it emits as low as 42% of CO, 33% of SO2 and 50% of UHC emissions with high swirl number. These are due to the higher oxygen content in jatropha oil biodiesel.

Housing Financing Facility and Affordability Level of Bumiputera within Iskandar Malaysia

Housing financing is an essential element in the process of purchasing a house for individuals who want to meet their own house. This study was conducted to identify the purchaser affordability level of bumiputera against housing financing facility provided by financial institutions. Therefore, this paper presents the analysis of affordability level of bumiputera against housing financing facility provided by financial institutions. The findings show that a bumiputera with middle income can afford a house below RM250, 000 with monthly installments below RM1, 000.

Significant of Isothermal Flow Studies for High Swirling Flow in Unconfined Burner

This paper is presents numerical simulation of isothermal swirling turbulent flows in a combustion chamber of an unconfined burner. Isothermal flows of with three different swirl numbers, SN of axial swirler are considered to demonstrate the effect of flow axial velocity and tangential velocity to define the center recirculation zone. The swirler is used in the burner that significantly influences the flow pattern inside the combustion chamber. The inlet velocity, U0 is 30 m/s entering into the burner through the axial swirler that represents a high Reynolds number, Re to evaluate the differences of SN. The significance of center recirculation zone investigation affected by differences Re also has been carried out in order to define a good mixing of air and fuel. A numerical study of non-reacting flow into the burner region is performed using ANSYS Fluent. The Reynolds–Averaged Navier–Stokes (RANS) realizable k-ε turbulence approach method was applied with the eddy dissipation model. An attention is focused in the flow field behind the axial swirler downstream that determined by transverse flow field at different radial distance. The results of axial and tangential velocity were normalized with the U0. The velocity profiles’ behaviour are obviously changes after existing the swirler up to x/D = 0.3 plane. However, their flow patterns are similar for all SN after x/D = 0.3 plane towards the outlet of a burner.