Abstract: Purpose This paper aimed to investigate the determinants of loans and advances from commercial banks in the case of Ethiopian private commercial banks. Design/methodology/approach The study randomly selected seven commercial banks to represent the population stratified on their asset, deposit and paid-up capital amounts. The study utilized an unbalanced panel data model as each bank started operation at a different period of time and considered the period 1995-2016 for secondary details. Findings The findings showed that the deposit size, credit risk, portfolio investment, average lending rate, real gross domestic product (GDP) and inflation rate had significant and optimistic effects on the lending and advancement of private commercial banks. On the contrary, liquidity ratio had significant and negative effects on private commercial bank loans and advances. Finally, the study forwarded a feasible recommendation for concerned organs to focus on deposit size, credit risk, portfolio investment, average lending rate, real GDP, inflation rate and liquidity ratio. The results of this study will help banking industry policymakers and planners understand how to minimize inflation and unemployment by improving development and sustainable economic growth. Originality/value The findings of this study can also affect the general attitudes of a society by increasing knowledge and improve the quality of life for the general public.

Abstract: Achieving global sustainability goals will require cleaner and cheaper technologies. Public policy is central to achieving these goals and, in turn, ensuring a quicker pace of change. A major obstacle lies in the fact that technologies cannot be considered isolated entities: they are embedded in a powerful social context of cultural, organisational and institutional systems. This intertwining of different elements is referred to as a socio-technical system. This thesis discusses how socio-technical systems have, over time, allowed locked-in configurations to emerge, referring to a combination of systematic forces that perpetuate unsustainable infrastructures embedded in society. Such lock-ins can inhibit innovation and competitiveness of low-carbon and sustainable technologies, and this thesis looks to concrete solutions for unlocking them. Vital to this objective lies better understanding preferences, intentions, and behaviour of actors involved at each stage of technological development to improve public policy design. A discrete choice experiment – a quantitative non-market valuation method – was, therefore, a core method used to model preferences of key target groups. Target groups considered in the four components of the thesis include i) industry players, ii) policymakers, iii) farmers, and iv) the general public in Belgium, France, Germany, Italy and Spain. The thesis seeks to establish how both economic and regulatory instruments can be leveraged to overcome lock-in. One conclusion sees that implementing an efficient environmental tax regime – an economic instrument – requires balancing political feasibility and public acceptance considerations in line with tax and environmental policy. Results indicate that public acceptance for environmental taxation increases with earmarking. Another conclusion highlights the importance of taking behavioural and habitual considerations into account – both when considering policymakers’ investment decisions, and farmers’ decisions to adopting agro-ecological practices when responding to regulatory instruments. Overall, policy design should emphasise a more continuous and systemic approach to innovation and technology policy on the road to accelerating socio-technical transitions to sustainability.

Abstract: The discovery of antibiotics represented one of the greatest breakthroughs in medicine. Their success combined with an increasing intensive use is apparently bound to be also their undoing. This is due to the development of acquired antibiotic resistance, leading to inefficient antibiotherapy and even to the impossibility of treatment and death. The development and spread of antibiotic resistance are fueled by the widespread presence of trace levels of antibiotics residue, in various media, from environment to aliments. One of the solutions is the rigorous monitoring of the levels of antibiotics, which in term requires an almost constant development of new, more accessible analytical methods, especially screening methods, capable of decentralized analysis. In this direction, the electrochemical detection of antibiotics represents a very viable alternative. In this context, the aim of this thesis was to develop new electrochemical methods for the detection of antibiotics by employing and expanding on several strategies, like biomimetic sensors and electrochemical fingerprinting. Five studies were described in this thesis, that can be roughly divided in three categories, based on the analytical strategy employed. The first group is represented by direct electrochemical methods. The second group focuses on the use of biomimetic elements, molecularly imprinted polymers and aptamers. The hyphenation of electrochemical methods with other analytical methods was explored in the last group. In the last study, included in this group, the singlet oxygen-based photoelectrochemical approach was used for the detection of a phenolic antibiotic, rifampicin. The originality of the thesis consists in the testing and development of new approaches to various strategies used in electrochemical detection, revealing new insights in the field of electrochemical detection of antibiotics. The complex electrochemical fingerprint and the mechanism of the electrochemical oxidation were created and investigated, respectively, for the antibiotic vancomycin. New sensitive nanoplatforms were prepared by employing and combining new protocols. Additionally, important contributions were brought through the study involving the singlet oxygen-based detection of rifampicin. We demonstrated how a photocatalyst can exhibit analyte selectivity by strongly interacting with a complex phenolic compound, rifampicin. Summing up, the studies presented in this thesis will have an important impact in the field of electrochemical detection of antibiotics.

Abstract: A new approach to synthesize valuable 3,4-dialkoxyanilines and alkyl propionates from lignin-derived 4-propylguaiacol and -catechol with overall isolated yields up to 65% has been described. The strategy is based on the introduction of nitrogen via a Beckmann rearrangement. Amino introduction therefore coincides with a C-defunctionalization reaction; overall a replacement of the propyl chain by an amino group is obtained. The process only requires cheap bulk chemicals as reagents/reactants and does not involve column chromatography to purify the reaction products. Furthermore, all carbon atoms from the biorenewable lignin-derived monomers are transformed into valuable compounds. Greenness was assessed by performing a Green Metrics analysis on two dialkoxyanilines. A comparison was made with literature routes for these compounds starting from a petrochemical substrate.

Abstract: An aptamer-based electrochemical sensor, wherein said aptamer is covalently bonded to or chemisorbed on an electrode, said aptamer forming a robust complex with a target molecule and is encapsulated by a gelatin B matrix; a method of manufacturing an aptamer-based electrochemical sensor for determining a concentration of a target molecule comprising the steps of: selecting an aptamer to form a robust complex with a target molecule using the SELEX procedure; synthesizing said aptamer; adsorbing said aptamer on or covalently coupling said aptamer with an electrode; and providing a gelatin B matrix for said aptamer on said electrode thereby realising said aptamer-based potentiometric or amperometric sensor; and the use of the aptamer-based electrochemical sensor produced according to the above method for the electrochemical determination of a concentration of 15 the target molecule.

Abstract: In the broad context of food and environmental safety, the development of selective and sensitive analytical tools for the detection of β-lactam antibiotics in milk down to their Maximum Residues Limits (MRL), is still an open challenge. To address this need, the design of new bio(mimetic) electrochemical sensors was investigated in the present thesis. These sensors are based on the intrinsic electrochemistry of β-lactam antibiotics, taking advantages of the characteristic electrochemical fingerprints of the core structures and redox active side chain groups. The electrochemistry of nafcillin (NAF) and the isoxazolyl penicillins (ISOXA) was investigated, identifying the peculiar electrochemical fingerprint of each antibiotic, proving that it is possible to use electrochemistry for the selective detection of these antimicrobial drugs. Once verified the applicability of a direct detection, different sensor configurations were tested mainly focusing on: – the selection and validation of aptamers to be used as bioreceptors in the development of β-lactam biosensors; – the design of biomimetic receptors, particularly molecularly imprinted polymers, and other synthetic electrode modifiers compatible with a direct detection strategy. The selection of novel aptamers was performed following both a traditional FluMag SELEX protocol and a novel variant based on graphene oxide (GO). First results with the modified GO-SELEX are promising but more work still needs to be done to validate this novel approach. The few aptamers for β-lactam antibiotics, already reported in literature by other groups, were poorly characterized up to now. For this reason, a multi-analytical characterization protocol for aptamer binding studies was optimized and validated by focusing on aptamer AMP17 against ampicillin. The protocol combines ITC, nESI-MS and 1H-NMR. Very striking was the fact that the aptamer sequence did not show any sign of specific binding for its target, even if it was used in many other studies in the past. This thesis now offers a validated protocol for testing the affinity and binding capabilities of aptamer sequences. In parallel, the functionalization of the electrode surface with polymer modifiers was studied. In particular we optimized a MIP electrochemical sensor based on 4-aminobenzoic acid for the direct electrochemical detection of CFQ. Another approach was tested based on the intrinsic affinity of NAF for an oPD electropolymerized film on the electrode surface. Both sensors were found to be sensitive and selective for the detection of CFQ and NAF at MRLs in buffer solutions. The proposed protocols are robust and promising for technological transfer. Lastly, the research activity was directed towards milk sample analysis following two parallel routes: the development of a pre-treatment protocol for raw milk, based on solvent addition (ACN or ISO), and the study of β-lactam antibiotics electrochemistry in undiluted raw milk with addition of KNO3 as supporting electrolyte. Both approaches gave encouraging results and the detection of NAF, CFQ and CFU in the micromolar range was achieved, with the second approach in undiluted raw milk.

Abstract: This paper presents a previously unexplored biosensing strategy for detecting gliadin which exploits the crosslinking of gliadin with collagen, catalyzed by transglutaminase at the interfacial electron transfer rate, on a modified electrode. The process is monitored by electrochemical impedance spectroscopy using a glassy carbon electrode coated with a collagen layer. To validate the specificity of the response as well as to eliminate possible interferences from other proteins, such as soy protein or casein, the captured gliadin is further reacted with a specific anti-gliadin antibody. Changes in charge transfer resistance, measured from the Nyquist plots, scale linearly with the gliadin concentration in the range 5-20 mg/L, a range suitable for testing the gliadin concentration in gluten-free food commodities.