A comparison of computerized adaptive testing and fixed-length short forms for the Prosthetic Limb Users Survey of Mobility (PLUS-MTM).

Science.gov (United States)

Amtmann, Dagmar; Bamer, Alyssa M; Kim, Jiseon; Bocell, Fraser; Chung, Hyewon; Park, Ryoungsun; Salem, Rana; Hafner, Brian J

2017-09-01

New health status instruments can be administered by computerized adaptive test or short forms. The Prosthetic Limb Users Survey of Mobility (PLUS-M TM ) is a self-report measure of mobility for prosthesis users with lower limb loss. This study used the PLUS-M to examine advantages and disadvantages of computerized adaptive test and short forms. To compare scores obtained from computerized adaptive test to scores obtained from fixed-length short forms (7-item and 12-item) in order to provide guidance to researchers and clinicians on how to select the best form of administration for different uses. Cross-sectional, observational study. Individuals with lower limb loss completed the PLUS-M by computerized adaptive test and short forms. Administration time, correlations between the scores, and standard errors were compared. Scores and standard errors from the computerized adaptive test, 7-item short form, and 12-item short form were highly correlated and all forms of administration were efficient. Computerized adaptive test required less time to administer than either paper or electronic short forms; however, time savings were minimal compared to the 7-item short form. Results indicate that the PLUS-M computerized adaptive test is most efficient, and differences in scores between administration methods are minimal. The main advantage of the computerized adaptive test was more reliable scores at higher levels of mobility compared to short forms. Clinical relevance Health-related item banks, like the Prosthetic Limb Users Survey of Mobility (PLUS-M TM ), can be administered by computerized adaptive testing (CAT) or as fixed-length short forms (SFs). Results of this study will help clinicians and researchers decide whether they should invest in a CAT administration system or whether SFs are more appropriate.

Beliefs and accountability in an Islamic bank

Directory of Open Access Journals (Sweden)

Ahmadasri Alaudin

2015-05-01

Full Text Available An Islamic bank in Malaysia (Malpha positions itself on being Islamic. The products and services are more expensive while employees are paid less than normal commercial banks. What bonds customers and employees to the bank are symbols of Islam: aqad (oral agreement between the bank and a customer, doa’ (supplication, a prayer, the tazkirah (short religious talks at the morning meeting and zakat (or almsgiving. Bank Malpha uses aqad (oral agreement between the bank and a customer and Doa (supplication, a prayer to form the basis of belief systems that influence the relationship with a customer. With regard to intermediaries, reciprocity (a form of trust underpins the relationship between the bank and its intermediaries (housing developers and lawyers for example. This bonding is reinforced by a boundary system: the shariah committee. The shariah committee assesses the shariah (lawful according Islam compliance and also engages with employees regarding shariah issues. This promotes learning through words and dialogue. However there is little documentation on customer recovery. If indeed non-performing loans are a key performance indicator for this Islamic bank, the challenge for this Islamic bank is to identify key processes to manage customer recovery.

Pengelolaan Likuiditas Bank Syariah

Directory of Open Access Journals (Sweden)

Nurul Ichsan

2014-01-01

Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks  DOI:10.15408/aiq.v6i1.1371

Knowledge translation regarding financial abuse and dementia for the banking sector: the development and testing of an education tool.

Science.gov (United States)

Peisah, Carmelle; Bhatia, Sangita; Macnab, Jenna; Brodaty, Henry

2016-07-01

Financial abuse is the most common form of elder abuse. Capacity Australia, established to promote education regarding capacity and abuse prevention across health, legal and financial sectors, was awarded a grant by the Dementia Collaborative Research Centre to educate the banking sector on financial abuse and dementia. We aimed to develop a knowledge translation tool for bank staff on this issue. The banking sector across Australia was engaged and consulted to develop a tailored education tool based on Australian Banking Association's Guidelines on Financial Abuse Prevention, supplemented by information related to dementia, financial capacity and supported decision-making. The tool was tested on 69 banking staff across Australia from two major banks. An online education tool using adaptive learning was developed, comprising a pretest of 15 multiple choice questions, followed by a learning module tailored to the individual's performance on the pretest, and a post-test to assess knowledge translation. A significant increase in scores was demonstrated when baseline scores were compared with post-course scores (mean difference in scores = 3.5; SD = 1.94; t = 15.1; df = 68; p tool took approximately 10-20 min to complete depending on the knowledge of participant and continuity of completion. The Australian banking industry was amenable to assist in the development of a tailored education tool on dementia, abuse and financial capacity. This online e-tool provides an effective medium for knowledge translation. Copyright © 2015 John Wiley & Sons, Ltd. Copyright © 2015 John Wiley & Sons, Ltd.

The Short Life of the Bank of Ethiopia

Directory of Open Access Journals (Sweden)

Arnaldo Mauri

2010-12-01

Full Text Available The Bank of Abyssinia, established in 1905, was given a 50-years concession by theEmperor Menelek II. This institution was engaged in issuing notes as well as in any kind ofcommercial banking business. Haile Sellassie, after acceding to the throne in 1930, could not acceptthat the country’s issuing bank was a foreign-owned share company and decided for nationalization.The change was implemented, however, in a soft way, providing an adequate compensation toshareholders, and in agreement with the main foreign shareholder, the National Bank of Egypt. TheBank of Abyssinia went, therefore, into liquidation and a new institution, the Bank of Ethiopia, wasestablished in 1931. The new bank, although under full Government control, retained management,staff, premises and clients of the ceased financial institution. Italian occupation of the country, in1936, brought the liquidation of the Bank of Ethiopia.

Client-Oriented Approach: Forming the System of Management of the Bank Relations with Clients

OpenAIRE

Zavadska Diana V.

2015-01-01

The aim of the article is to develop the theoretical principles of forming the bank relations with clients as part of the client-oriented strategy implementation. As a result of the conducted research there has been presented the definition of client-orientation, mechanism and system of management. The system of management of the bank relations with clients, the purpose and objectives of its formation have been substantiated. The hierarchy of subjects of forming and managing the process...

Development and Evaluation of the Boston University Osteoarthritis Functional Pain Short Form (BU-OA-FPS).

Science.gov (United States)

Goode, Adam P; Ni, Pengshend; Jette, Alan; Fitzgerald, G Kelley

2018-04-19

Pragmatic studies have gained popularity, thus emphasizing the need for patient-reported outcomes (PRO) to be integrated into electronic health records. This study describes the development of a customized short form from the Boston University Osteoarthritis Functional Assessment PRO (BU-OA-PRO) for a specific pragmatic clinical trial. A Functional Pain Short Form was created from an existing item bank of deidentified data in the BU-OA-PRO. Item response theory (IRT) methods were used to select items. Reliability was measured with the Cronbach alpha, then with IRT simulation methods. To examine validity, ceiling and floor effects, correlations between the short-form scores and scores from the BU-OA-PRO and the Western Ontario McMasters University Osteoarthritis Index (WOMAC) Pain and Difficulty subscales, and the area under the curve (AUC) were calculated. A minimum detectable change at 90% confidence (MDC90) was calculated based on a calibration sample. The BU-OA PRO was reduced from 126 items to 10 items to create the BU-OA Functional Pain Short Form (BU-OA-FPS). The Cronbach alpha indicated high internal consistency (0.91), and reliability distribution estimates were 0.96 (uniform) and 0.92 (normal). Low ceiling effects (4.57%), and floor effects (0%) were found. Moderate-to-high correlations between the BU-OA PRO and BU-OA-FPS were found with WOMAC Pain (BU-OA-FPS = 0.67; BU-OA-PRO = 0.64) and Difficulty (BU-OA-FPS = 0.73; BU-OA-PRO = 0.69) subscales. The correlation between the BU-OA-PRO and BU-OA-FPS was 0.94. The AUC ranged from 0.80 to 0.88. The MDC90 was approximately 6 standardized points. The BU-OA-FPS provides reliable and valid measurement of functional pain. Pragmatic studies may consider the BU-OA-FPS for use in electronic health records to capture outcomes.

THE POLITICS OF BANKING: GLOBALISATION AND DOMESTIC POLICY CHANGE

OpenAIRE

Sukarman, Widigdo

2015-01-01

The current article aims to elaborate on the history of bank policy modifications as a response towards economic and financial change, mainly due to globalisation. The centralstatus of banks in the economy causes a need for the government to protect it in many forms that differ from one country to another. Bank policy makers that are closed oresoteric and are short-lived must be opened up to be able to receive long term ideas. The process is also marked intensively with competing interests be...

48 CFR 53.301-1438 - Settlement Proposal (Short Form).

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 2 2010-10-01 2010-10-01 false Settlement Proposal (Short Form). 53.301-1438 Section 53.301-1438 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION (CONTINUED) CLAUSES AND FORMS FORMS Illustrations of Forms 53.301-1438 Settlement Proposal (Short...

Client-Oriented Approach: Forming the System of Management of the Bank Relations with Clients

Directory of Open Access Journals (Sweden)

Zavadska Diana V.

2015-03-01

Full Text Available The aim of the article is to develop the theoretical principles of forming the bank relations with clients as part of the client-oriented strategy implementation. As a result of the conducted research there has been presented the definition of client-orientation, mechanism and system of management. The system of management of the bank relations with clients, the purpose and objectives of its formation have been substantiated. The hierarchy of subjects of forming and managing the process of the bank relations with client has been presented. The ways of implementing in practice the functions of the mechanism of managing relations with clients have been revealed. It has been proved that for implementation of the client-oriented approach the banking institution should have a comprehensive view of its clients’ behavior, which detailed understanding will allow for a more accurate segmentation and building individualized partnership relations. Implementing the principle of totality of client relationships level and comprehensive knowledge, development of employee behavior techniques and special techniques for working with the most valuable clients, the use of analytics and forecasting tools will provide targeting of marketing campaigns and lead to minimization of additional costs, satisfaction of every client, loyalty, increase in the market share, growth of sales volume, increase in profits of the banking institution.

Development of the PROMIS positive emotional and sensory expectancies of smoking item banks.

Science.gov (United States)

Tucker, Joan S; Shadel, William G; Edelen, Maria Orlando; Stucky, Brian D; Li, Zhen; Hansen, Mark; Cai, Li

2014-09-01

The positive emotional and sensory expectancies of cigarette smoking include improved cognitive abilities, positive affective states, and pleasurable sensorimotor sensations. This paper describes development of Positive Emotional and Sensory Expectancies of Smoking item banks that will serve to standardize the assessment of this construct among daily and nondaily cigarette smokers. Data came from daily (N = 4,201) and nondaily (N =1,183) smokers who completed an online survey. To identify a unidimensional set of items, we conducted item factor analyses, item response theory analyses, and differential item functioning analyses. Additionally, we evaluated the performance of fixed-item short forms (SFs) and computer adaptive tests (CATs) to efficiently assess the construct. Eighteen items were included in the item banks (15 common across daily and nondaily smokers, 1 unique to daily, 2 unique to nondaily). The item banks are strongly unidimensional, highly reliable (reliability = 0.95 for both), and perform similarly across gender, age, and race/ethnicity groups. A SF common to daily and nondaily smokers consists of 6 items (reliability = 0.86). Results from simulated CATs indicated that, on average, less than 8 items are needed to assess the construct with adequate precision using the item banks. These analyses identified a new set of items that can assess the positive emotional and sensory expectancies of smoking in a reliable and standardized manner. Considerable efficiency in assessing this construct can be achieved by using the item bank SF, employing computer adaptive tests, or selecting subsets of items tailored to specific research or clinical purposes. © The Author 2014. Published by Oxford University Press on behalf of the Society for Research on Nicotine and Tobacco. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Deep Drawing of High-Strength Tailored Blanks by Using Tailored Tools

Directory of Open Access Journals (Sweden)

Thomas Mennecart

2016-01-01

Full Text Available In most forming processes based on tailored blanks, the tool material remains the same as that of sheet metal blanks without tailored properties. A novel concept of lightweight construction for deep drawing tools is presented in this work to improve the forming behavior of tailored blanks. The investigations presented here deal with the forming of tailored blanks of dissimilar strengths using tailored dies made of two different materials. In the area of the steel blank with higher strength, typical tool steel is used. In the area of the low-strength steel, a hybrid tool made out of a polymer and a fiber-reinforced surface replaces the steel half. Cylindrical cups of DP600/HX300LAD are formed and analyzed regarding their formability. The use of two different halves of tool materials shows improved blank thickness distribution, weld-line movement and pressure distribution compared to the use of two steel halves. An improvement in strain distribution is also observed by the inclusion of springs in the polymer side of tools, which is implemented to control the material flow in the die. Furthermore, a reduction in tool weight of approximately 75% can be achieved by using this technique. An accurate finite element modeling strategy is developed to analyze the problem numerically and is verified experimentally for the cylindrical cup. This strategy is then applied to investigate the thickness distribution and weld-line movement for a complex geometry, and its transferability is validated. The inclusion of springs in the hybrid tool leads to better material flow, which results in reduction of weld-line movement by around 60%, leading to more uniform thickness distribution.

7 CFR 3015.156 - Application for Federal assistance (short form).

Science.gov (United States)

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Application for Federal assistance (short form). 3015... Application for Federal Assistance § 3015.156 Application for Federal assistance (short form). Governments shall use the Application for Federal Assistance (Short Form) form prescribed by Circular A-102 in...

Multicultural personality questionnaire : Development of a short form

NARCIS (Netherlands)

Van Der Zee, Karen; Van Oudenhoven, Jan Pieter; Ponterotto, Joseph G.; Fietzer, Alexander W.

2013-01-01

This study reports on the development of the Multicultural Personality Questionnaire-Short Form among 511 participants. Using a split-sample scale validation design, Study 1 (N = 260) employed a principal component analysis and rigorous item selection criteria to extract a 40-item short form

Validity of Two WPPSI Short Forms in Outpatient Clinic Settings.

Science.gov (United States)

Haynes, Jack P.; Atkinson, David

1983-01-01

Investigated the validity of subtest short forms for the Wechsler Preschool and Primary Scale of Intelligence in an outpatient population of 116 children. Data showed that the short forms underestimated actual level of intelligence and supported use of a short form only as a brief screening device. (LLL)

Banking and Trading

NARCIS (Netherlands)

Boot, A.W.A.; Ratnovski, L.

2016-01-01

We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability

Forms and Strategies of the Banks to Enter on a Foreign Market

OpenAIRE

Nicoleta HURDUC; Alin NIŢU

2011-01-01

Main forms of entry on a foreign market are greenfield investiments and achisition of a control position from a local institution. Both forms, Greenfield and acquisition entry strategies, are specific to CEE. In selecting the entry mode, one bank’s objective is to maximize its risk-adjusted rate of return. Searh for new markets strategy means that by some reasons banks are always looking for new international market.

Forms and Strategies of the Banks to Enter on a Foreign Market

Directory of Open Access Journals (Sweden)

Nicoleta HURDUC

2011-07-01

Full Text Available Main forms of entry on a foreign market are greenfield investiments and achisition of a control position from a local institution. Both forms, Greenfield and acquisition entry strategies, are specific to CEE. In selecting the entry mode, one bank’s objective is to maximize its risk-adjusted rate of return. Searh for new markets strategy means that by some reasons banks are always looking for new international market.

A Methodological Approach for Testing the Viability of Seeds Stored in Short-Term Seed Banks

Directory of Open Access Journals (Sweden)

Jose A. FORTE GIL

2017-12-01

Full Text Available Efficient management of ‘active’ seed banks – specifically aimed at the short-term storage at room temperature of seeds to be used locally in conservation/regeneration programmes of endemic or endangered plant species – requires establishing the optimal storage time to maintain high seed viability, for each stored species. In this work, germination of seeds of the halophytes Thalictrum maritimum, Centaurea dracunculifolia and Linum maritimum has been investigated. The seeds had been stored for different periods of time in the seed bank of ‘La Albufera’ Natural Park (Valencia, SE Spain after collection in salt marshes of the Park, where small populations of the three species are present. Seeds of T. maritimum and C. dracunculifolia have a relatively short period of viability at room temperature, and should not be stored for more than three years. On the other hand, L. maritimum seeds maintain a high germination percentage and can be kept at room temperature for up to 10 years. T. maritimum seeds, in contrast to those of the other two species, did not germinate in in vitro tests nor when sown directly on a standard substrate, unless a pre-treatment of the seeds was applied, mechanical scarification being the most effective. These results will help to improve the management of the seed bank, to generate more efficiently new plants for reintroduction and reinforcement of populations of these species in their natural ecosystems within the Natural Park.

A 67-Item Stress Resilience item bank showing high content validity was developed in a psychosomatic sample.

Science.gov (United States)

Obbarius, Nina; Fischer, Felix; Obbarius, Alexander; Nolte, Sandra; Liegl, Gregor; Rose, Matthias

2018-04-10

To develop the first item bank to measure Stress Resilience (SR) in clinical populations. Qualitative item development resulted in an initial pool of 131 items covering a broad theoretical SR concept. These items were tested in n=521 patients at a psychosomatic outpatient clinic. Exploratory and Confirmatory Factor Analysis (CFA), as well as other state-of-the-art item analyses and IRT were used for item evaluation and calibration of the final item bank. Out of the initial item pool of 131 items, we excluded 64 items (54 factor loading .3, 2 non-discriminative Item Response Curves, 4 Differential Item Functioning). The final set of 67 items indicated sufficient model fit in CFA and IRT analyses. Additionally, a 10-item short form with high measurement precision (SE≤.32 in a theta range between -1.8 and +1.5) was derived. Both the SR item bank and the SR short form were highly correlated with an existing static legacy tool (Connor-Davidson Resilience Scale). The final SR item bank and 10-item short form showed good psychometric properties. When further validated, they will be ready to be used within a framework of Computer-Adaptive Tests for a comprehensive assessment of the Stress-Construct. Copyright © 2018. Published by Elsevier Inc.

48 CFR 1852.223-72 - Safety and Health (Short Form).

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Safety and Health (Short... and Clauses 1852.223-72 Safety and Health (Short Form). As prescribed in 1823.7001(e), insert the following clause: Safety and Health (Short Form) (APR 2002) (a) Safety is the freedom from those conditions...

FRACTIONAL BANKING

OpenAIRE

Maria Klimikova

2010-01-01

Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

Tailored Porous Materials

Energy Technology Data Exchange (ETDEWEB)

BARTON,THOMAS J.; BULL,LUCY M.; KLEMPERER,WALTER G.; LOY,DOUGLAS A.; MCENANEY,BRIAN; MISONO,MAKOTO; MONSON,PETER A.; PEZ,GUIDO; SCHERER,GEORGE W.; VARTULI,JAMES C.; YAGHI,OMAR M.

1999-11-09

Tailoring of porous materials involves not only chemical synthetic techniques for tailoring microscopic properties such as pore size, pore shape, pore connectivity, and pore surface reactivity, but also materials processing techniques for tailoring the meso- and the macroscopic properties of bulk materials in the form of fibers, thin films and monoliths. These issues are addressed in the context of five specific classes of porous materials: oxide molecular sieves, porous coordination solids, porous carbons, sol-gel derived oxides, and porous heteropolyanion salts. Reviews of these specific areas are preceded by a presentation of background material and review of current theoretical approaches to adsorption phenomena. A concluding section outlines current research needs and opportunities.

Interconnectedness between shadow and traditional banking systems in Europe

Directory of Open Access Journals (Sweden)

Popović Svetlana

2017-01-01

Full Text Available The financial crisis that emerged in the US quickly spread across Europe, causing a severe banking and sovereign debt crisis. That revealed the importance of short-term financing for traditional banks, which increased their exposure to the financial conditions on the interbank market. Financial innovations, especially the securitization process led to the growing importance of different institutions within the shadow banking system - which undergo a credit, liquidity and maturity transformation, without accessing the central bank liquidity or other forms of guarantees. The European banks had an active role in the US securitization process, but also securitized the products from the European market. The authors used the available data from the ECB statistics on shadow bank entities, broadly and narrowly defined, in order to analyze the various measures of interconnectedness between the shadow and traditional banking systems. The analysis showed that non-regulated financial institutions pose severe systemic risks, not just because of their size, but also due to the strong web of interconnectedness with the regulated banking sector.

CANADA – SUPPLIER, TAX AND BANK INFORMATION FORM

International Development Research Centre (IDRC) Digital Library (Canada)

Hakan Mustafa

HST Number. RT. OR □ Not Registered for GST/HST. Section 4: DIRECT DEPOSIT INFORMATION. Name of Bank Account Holder. Please attach a VOID cheque or alternatively provide a letter of confirmation from your bank. Email (for payment ...

Modular Short Form Videos for Library Instruction

Directory of Open Access Journals (Sweden)

Cindy Craig

2017-10-01

Full Text Available In Brief Expensive software isn’t necessary to create effective tutorials. Quick, unedited tutorials created on social media, such as on Instagram or Snapchat, may be more effective. These short form videos (SFVs combine the advantages of animated GIFs with the advantages of screencasts: modularity, repetition of steps, and animated visuals supported by pertinent audio. SFVs are cheap (or free and easy to make with materials libraries already possess, such as Internet access, computers, and smartphones. They are easily replaceable if the subject changes. The short form forces librarians to get right to the point. Finally, SFVs are easily disseminated on social media and have the potential to go viral.

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Yuliya Onyshchenko

2015-11-01

Full Text Available The purpose of the paper is to work out and characterize bank business models that are formed in Ukraine. Methodology. Our research we will spend among banks that are functioning on the Ukrainian financial market and are not on the stage of liquidation, so the sample under study in our work is comprised of 131 banks which are different in their ownership structure and size. The core of the methodology is a statistical clustering algorithm that allows identifying the groups of banks (clusters with similar business models as banks with similar business model strategies have made similar choices regarding the composition of their assets and liabilities. The cluster analyses were taken on the base of seven chosen indicators: bank loans, bank liabilities, enterprise loans, enterprise liabilities, household loans, household liabilities and trading assets. Results. The traditional business model of bank is worked out. The bank business models that are functioning in Ukraine are identified on the base of cluster analyses using balance sheet characteristics of 131 Ukrainian banks. We find that in Ukraine were formed three types of bank business models: “Focused retail”, “Diversified retail” and “Corporative retail”. The description of each model is given. Practical implications. More detailed research of distinguished models allows not only to find out the main advantages and disadvantages of each bank model, but also the main problems that follow the development of Ukrainian banking sector. Identifying of bank models and their studying simplifies searching and elaboration of regulatory instruments as there is a two-way causation between regulation and bank business models. This implies a symbiotic relationship between regulation and bank business models: business models respond to regulation which in turn responds to the evolution of new business models. Value/originality. Such survey is conducted at the first time among Ukrainian banks. The

Banking and trading

NARCIS (Netherlands)

Boot, A.W.A.; Ratnovski, L.

2013-01-01

We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital

High-Temperature Short-Time Pasteurization System for Donor Milk in a Human Milk Bank Setting

Directory of Open Access Journals (Sweden)

Diana Escuder-Vieco

2018-05-01

Full Text Available Donor milk is the best alternative for the feeding of preterm newborns when mother's own milk is unavailable. For safety reasons, it is usually pasteurized by the Holder method (62.5°C for 30 min. Holder pasteurization results in a microbiological safe product but impairs the activity of many biologically active compounds such as immunoglobulins, enzymes, cytokines, growth factors, hormones or oxidative stress markers. High-temperature short-time (HTST pasteurization has been proposed as an alternative for a better preservation of some of the biological components of human milk although, at present, there is no equipment available to perform this treatment under the current conditions of a human milk bank. In this work, the specific needs of a human milk bank setting were considered to design an HTST equipment for the continuous and adaptable (time-temperature combination processing of donor milk. Microbiological quality, activity of indicator enzymes and indices for thermal damage of milk were evaluated before and after HTST treatment of 14 batches of donor milk using different temperature and time combinations and compared to the results obtained after Holder pasteurization. The HTST system has accurate and simple operation, allows the pasteurization of variable amounts of donor milk and reduces processing time and labor force. HTST processing at 72°C for, at least, 10 s efficiently destroyed all vegetative forms of microorganisms present initially in raw donor milk although sporulated Bacillus sp. survived this treatment. Alkaline phosphatase was completely destroyed after HTST processing at 72 and 75°C, but γ-glutamil transpeptidase showed higher thermoresistance. Furosine concentrations in HTST-treated donor milk were lower than after Holder pasteurization and lactulose content for HTST-treated donor milk was below the detection limit of analytical method (10 mg/L. In conclusion, processing of donor milk at 72°C for at least 10 s in

High-Temperature Short-Time Pasteurization System for Donor Milk in a Human Milk Bank Setting.

Science.gov (United States)

Escuder-Vieco, Diana; Espinosa-Martos, Irene; Rodríguez, Juan M; Corzo, Nieves; Montilla, Antonia; Siegfried, Pablo; Pallás-Alonso, Carmen R; Fernández, Leónides

2018-01-01

Donor milk is the best alternative for the feeding of preterm newborns when mother's own milk is unavailable. For safety reasons, it is usually pasteurized by the Holder method (62.5°C for 30 min). Holder pasteurization results in a microbiological safe product but impairs the activity of many biologically active compounds such as immunoglobulins, enzymes, cytokines, growth factors, hormones or oxidative stress markers. High-temperature short-time (HTST) pasteurization has been proposed as an alternative for a better preservation of some of the biological components of human milk although, at present, there is no equipment available to perform this treatment under the current conditions of a human milk bank. In this work, the specific needs of a human milk bank setting were considered to design an HTST equipment for the continuous and adaptable (time-temperature combination) processing of donor milk. Microbiological quality, activity of indicator enzymes and indices for thermal damage of milk were evaluated before and after HTST treatment of 14 batches of donor milk using different temperature and time combinations and compared to the results obtained after Holder pasteurization. The HTST system has accurate and simple operation, allows the pasteurization of variable amounts of donor milk and reduces processing time and labor force. HTST processing at 72°C for, at least, 10 s efficiently destroyed all vegetative forms of microorganisms present initially in raw donor milk although sporulated Bacillus sp. survived this treatment. Alkaline phosphatase was completely destroyed after HTST processing at 72 and 75°C, but γ-glutamil transpeptidase showed higher thermoresistance. Furosine concentrations in HTST-treated donor milk were lower than after Holder pasteurization and lactulose content for HTST-treated donor milk was below the detection limit of analytical method (10 mg/L). In conclusion, processing of donor milk at 72°C for at least 10 s in this HTST system

High-Temperature Short-Time Pasteurization System for Donor Milk in a Human Milk Bank Setting

Science.gov (United States)

Escuder-Vieco, Diana; Espinosa-Martos, Irene; Rodríguez, Juan M.; Corzo, Nieves; Montilla, Antonia; Siegfried, Pablo; Pallás-Alonso, Carmen R.; Fernández, Leónides

2018-01-01

Donor milk is the best alternative for the feeding of preterm newborns when mother's own milk is unavailable. For safety reasons, it is usually pasteurized by the Holder method (62.5°C for 30 min). Holder pasteurization results in a microbiological safe product but impairs the activity of many biologically active compounds such as immunoglobulins, enzymes, cytokines, growth factors, hormones or oxidative stress markers. High-temperature short-time (HTST) pasteurization has been proposed as an alternative for a better preservation of some of the biological components of human milk although, at present, there is no equipment available to perform this treatment under the current conditions of a human milk bank. In this work, the specific needs of a human milk bank setting were considered to design an HTST equipment for the continuous and adaptable (time-temperature combination) processing of donor milk. Microbiological quality, activity of indicator enzymes and indices for thermal damage of milk were evaluated before and after HTST treatment of 14 batches of donor milk using different temperature and time combinations and compared to the results obtained after Holder pasteurization. The HTST system has accurate and simple operation, allows the pasteurization of variable amounts of donor milk and reduces processing time and labor force. HTST processing at 72°C for, at least, 10 s efficiently destroyed all vegetative forms of microorganisms present initially in raw donor milk although sporulated Bacillus sp. survived this treatment. Alkaline phosphatase was completely destroyed after HTST processing at 72 and 75°C, but γ-glutamil transpeptidase showed higher thermoresistance. Furosine concentrations in HTST-treated donor milk were lower than after Holder pasteurization and lactulose content for HTST-treated donor milk was below the detection limit of analytical method (10 mg/L). In conclusion, processing of donor milk at 72°C for at least 10 s in this HTST system

Analisis Perbandingan Kinerja Pada Bank Nasional, Bank Campuran, Dan Bank Asing Yang Terdaftar Di Bursa Efek Indonesia

OpenAIRE

Angel, Christania Graciella

2014-01-01

Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

Branch of bank, change of its status and its value in contemporary Czech banking system.

OpenAIRE

Čížek, Martin

2009-01-01

This study concerns view of contemporary branch of bank. It shortly deals with history of bank branch in Czech environment after 1989. Further the study analyses its importance, advantages and disadvantages comparing direct banking - online banking in particular. The key point of the study is to answer the question if there is a future of branch of bank. Whether it will cooperate successfully with internet online channels of communication or it will be superseded by online banking at all.

Invasive Australian Acacia seed banks: Size and relationship with stem diameter in the presence of gall-forming biological control agents.

Directory of Open Access Journals (Sweden)

Matthys Strydom

Full Text Available Australian Acacia are invasive in many parts of the world. Despite significant mechanical and biological efforts to control their invasion and spread, soil-stored seed banks prevent their effective and sustained removal. In response South Africa has had a strong focus on employing seed reducing biological control agents to deal with Australian Acacia invasion, a programme that is considered as being successful. To provide a predictive understanding for their management, seed banks of four invasive Australian acacia species (Acacia longifolia, A. mearnsii, A. pycnantha and A. saligna were studied in the Western Cape of South Africa. Across six to seven sites for each species, seed bank sizes were estimated from dense, monospecific stands by collecting 30 litter and soil samples. Average estimated seed bank size was large (1017 to 17261 seed m-2 as was annual input into the seed bank, suggesting that these seed banks are not residual but are replenished in size annually. A clear relationship between seed bank size and stem diameter was established indicating that mechanical clearing should be conducted shortly after fire-stimulated recruitment events or within old populations when seed banks are small. In dense, monospecific stands seed-feeding biological control agents are not effective in reducing seed bank size.

Student Practice Evaluation Form-Revised Edition online comment bank: development and reliability analysis.

Science.gov (United States)

Rodger, Sylvia; Turpin, Merrill; Copley, Jodie; Coleman, Allison; Chien, Chi-Wen; Caine, Anne-Maree; Brown, Ted

2014-08-01

The reliable evaluation of occupational therapy students completing practice education placements along with provision of appropriate feedback is critical for both students and for universities from a quality assurance perspective. This study describes the development of a comment bank for use with an online version of the Student Practice Evaluation Form-Revised Edition (SPEF-R Online) and investigates its reliability. A preliminary bank of 109 individual comments (based on previous students' placement performance) was developed via five stages. These comments reflected all 11 SPEF-R domains. A purpose-designed online survey was used to examine the reliability of the comment bank. A total of 37 practice educators returned surveys, 31 of which were fully completed. Participants were asked to rate each individual comment using the five-point SPEF-R rating scale. One hundred and two of 109 comments demonstrated satisfactory agreement with their respective default ratings that were determined by the development team. At each domain level, the intra-class correlation coefficients (ranging between 0.86 and 0.96) also demonstrated good to excellent inter-rater reliability. There were only seven items that required rewording prior to inclusion in the final SPEF-R Online comment bank. The development of the SPEF-R Online comment bank offers a source of reliable comments (consistent with the SPEF-R rating scale across different domains) and aims to assist practice educators in providing reliable and timely feedback to students in a user-friendly manner. © 2014 Occupational Therapy Australia.

Long-term outcome in patients with short bowel syndrome after longitudinal intestinal lengthening and tailoring.

Science.gov (United States)

Reinshagen, K; Kabs, C; Wirth, H; Hable, N; Brade, J; Zahn, K; Hagl, C; Jester, I; Waag, K L

2008-11-01

Longitudinal intestinal lengthening and tailoring (LILT) is a well-established surgical treatment for short bowel syndrome. It has been shown to enhance peristalsis, decrease bacterial overgrowth, and extend mucosal contact time for nutrients. We present the results of a long-term follow-up of patients who underwent LILT and define prognostic parameters for the survival of these patients. Between 1987 and 2006, 53 patients underwent LILT in our institution. The main diagnoses were gastroschisis, intestinal volvulus, intestinal atresias, and necrotizing enterocolitis. LILT was performed at a mean age of 24 months (range 4144 months). The follow-up time was 79.76 months (range 6234 months). After LILT, 41 of 53 patients survived, and 36 of 41 surviving patients were successfully weaned from parenteral nutrition (PN). In long-term follow-up 79% stayed free of PN. The overall survival rate was 77.36%. Weight gain occurred in 58% of the patients after LILT. The quality of life after LILT is on a high level, with most patients having normal physical strength and participating in normal social life and education. Prognostic factors for survival after LILT in short bowel syndrome are length of small intestine (0.06582 + 0.0131 x bowel cm), length of large bowel (P = 0.039), preoperative liver function, and successful weaning from PN within 18 months postoperatively (P = 0.0032). Patients undergoing LILT in short bowel syndrome have a high survival rate, weight gain, and a high quality of life. Autologous gastrointestinal reconstruction remains therefore the first choice in the treatment of patients with short bowel syndrome.

Short and intense tailor-made notched music training against tinnitus: the tinnitus frequency matters.

Directory of Open Access Journals (Sweden)

Henning Teismann

Full Text Available Tinnitus is one of the most common diseases in industrialized countries. Here, we developed and evaluated a short-term (5 subsequent days and intensive (6 hours/day tailor-made notched music training (TMNMT for patients suffering from chronic, tonal tinnitus. We evaluated (i the TMNMT efficacy in terms of behavioral and magnetoencephalographic outcome measures for two matched patient groups with either low (≤8 kHz, N = 10 or high (>8 kHz, N = 10 tinnitus frequencies, and the (ii persistency of the TMNMT effects over the course of a four weeks post-training phase. The results indicated that the short-term intensive TMNMT took effect in patients with tinnitus frequencies ≤8 kHz: subjective tinnitus loudness, tinnitus-related distress, and tinnitus-related auditory cortex evoked activity were significantly reduced after TMNMT completion. However, in the patients with tinnitus frequencies >8 kHz, significant changes were not observed. Interpreted in their entirety, the results also indicated that the induced changes in auditory cortex evoked neuronal activity and tinnitus loudness were not persistent, encouraging the application of the TMNMT as a longer-term training. The findings are essential in guiding the intended transfer of this neuro-scientific treatment approach into routine clinical practice.

Development and Validation of a Short-Form Safety Net Medical Home Scale.

Science.gov (United States)

Nocon, Robert S; Gunter, Kathryn E; Gao, Yue; Lee, Sang Mee; Chin, Marshall H

2017-12-01

To develop a short-form Safety Net Medical Home Scale (SNMHS) for assessing patient-centered medical home (PCMH) capability in safety net clinics. National surveys of federally qualified health centers (FQHCs). Interviews with FQHC directors. We constructed three short-form SNMHS versions and examined correlations with full SNMHS and related primary care assessments. We tested usability with FQHC directors and reviewed scale development with an advisory group. Federally qualified health center surveys were administered in 2009 and 2013, by mail and online. Usability testing was conducted through telephone interviews with FQHC directors in 2013. Six-, 12-, and 18-question short-form SNMHS versions had Pearson correlations with full scale of 0.84, 0.92, and 0.96, respectively. All versions showed a level of convergent validity with other primary care assessment scales comparable to the full SNMHS. User testers found short forms to be low-burden, though missing some PCMH concepts. Advisory group members expressed caution over missing concepts and appropriate use of short-form self-assessments. Short-form versions of SNMHS showed strong correlations with full scale and may be useful for brief assessment of safety net PCMH capability. Each short-form SNMHS version may be appropriate for different research, quality improvement, and assessment purposes. © Health Research and Educational Trust.

DroydSeuss: A Mobile Banking Trojan Tracker - Short Paper

NARCIS (Netherlands)

Coletta, A.; van der Veen, V.; Maggi, F.

2016-01-01

After analyzing several Android mobile banking trojans, weobserved the presence of repetitive artifacts that describe valuable informationabout the distribution of this class of malicious apps. Motivatedby the high threat level posed by mobile banking trojans and by thelack of publicly available

Bank, Banking System, Macroprudential Supervision, Stability of Banking System

Directory of Open Access Journals (Sweden)

Tetiana Vasilyeva

2016-10-01

assets to short term liabilities ratio and cost to income ratio. Empirical results of the research found out that grate damage to the stability of banking system has some parameters of banking activity, that’s why the main purpose of the regulation by the National Bank of Ukraine should be strengthening of macroprudential supervision and intensification of adaptation of Basel II and Basel III requirements

Third generation of Thyssen tailored tubes - a new category of tubular products

Energy Technology Data Exchange (ETDEWEB)

Flehmig, T.; Brueggenbrock, M.; Kibben, M.; Schwenecke, S. [ThyssenKrupp Stahl, Duisburg (Germany)

2005-07-01

Further weight saving goals have prompted the automotive industry to design lighter car body structures in order to reduce fuel consumption, while maintaining the high safety standards for occupants. Body structures developed with large portions of closed profiles have a so-called ''profile intensive design.'' Particularly in the case of large scale production, it is necessary to have cost effective manufacturing methods. Therefore, production and processing require short process chains as well as the latest techniques. New forming technologies, combined with laser-beam welding and hydroforming processes is one strategy to save costs. A further way to shorten the process chain is the joining and combining of process steps at first and then later fitting the tailored tubes with the new features. The result of these efforts led to a new category of tubular products the so called ''3{sup rd} generation Thyssen Tailored Tubes {sup registered} TTT {sup registered} ''. These nearly finished parts are manufactured by a new forming technology the so called ''Thyssen Tube Curling Process''. This technique permits the direct forming from flat blanks into welded longitudinal beams, for example from the NewSteelBody {sup registered} car, without a hydroforming step, all within a single machine. The paper points out a further forming method with similar results. Compared to processes like roll or roller forming in combination with hydroforming, these new methods cause only minimal plastic strains. The paper shows some parts, manufactured by these methods. The pre-bending of Thyssen Tailored Tubes {sup registered} is also a newly developed process. (orig.)

Does Technology Acceptance Change the Way from CRM to Customer Loyalty?: An Empirical Study on the Banking Industry

OpenAIRE

Yi-Yuan Liu

2010-01-01

This study explores the moderating effect of technology acceptance on the relationship between customer relationship management (CRM) in terms of distribution and tailor-made functions and customer loyalty in the banking industry. The author uses LISREL two-group path analysis to find the variances between high and low technology acceptance. Data collected from the customers of nine retail banks show that commitments have a mediating effect on the relationship between the tailor-made function...

Short forms of the Social Interaction Anxiety Scale and the Social Phobia Scale.

Science.gov (United States)

Fergus, Thomas A; Valentiner, David P; McGrath, Patrick B; Gier-Lonsway, Stephanie L; Kim, Hyun-Soo

2012-01-01

Mattick and Clarke's (1998) Social Interaction Anxiety Scale (SIAS) and Social Phobia Scale (SPS) are commonly used self-report measures that assess 2 dimensions of social anxiety. Given the need for short, readable measures, this research proposes short forms of both scales. Item-level analyses of readability characteristics of the SIAS and SPS items led to the selection of 6 items from each scale for use in the short forms. The SIAS and SPS short forms had reading levels at approximately the 6th and 5th grade level, respectively. Results using nonclinical (Study 1: N = 469) and clinical (Study 2: N = 145) samples identified these short forms as being factorially sound, possessing adequate internal consistency, and having strong convergence with their full-length counterparts. Moreover, these short forms showed convergence with other measures of social anxiety, showed divergence from measures assessing related constructs, and predicted concurrent interpersonal functioning. Recommendations for the use of these short forms are discussed.

Development and psychometric evaluation of the PROMIS Pediatric Life Satisfaction item banks, child-report, and parent-proxy editions.

Science.gov (United States)

Forrest, Christopher B; Devine, Janine; Bevans, Katherine B; Becker, Brandon D; Carle, Adam C; Teneralli, Rachel E; Moon, JeanHee; Tucker, Carole A; Ravens-Sieberer, Ulrike

2018-01-01

To describe the psychometric evaluation and item response theory calibration of the PROMIS Pediatric Life Satisfaction item banks, child-report, and parent-proxy editions. A pool of 55 life satisfaction items was administered to 1992 children 8-17 years old and 964 parents of children 5-17 years old. Analyses included descriptive statistics, reliability, factor analysis, differential item functioning, and assessment of construct validity. Thirteen items were deleted because of poor psychometric performance. An 8-item short form was administered to a national sample of 996 children 8-17 years old, and 1294 parents of children 5-17 years old. The combined sample (2988 children and 2258 parents) was used in item response theory (IRT) calibration analyses. The final item banks were unidimensional, the items were locally independent, and the items were free from impactful differential item functioning. The 8-item and 4-item short form scales showed excellent reliability, convergent validity, and discriminant validity. Life satisfaction decreased with declining socio-economic status, presence of a special health care need, and increasing age for girls, but not boys. After IRT calibration, we found that 4- and 8-item short forms had a high degree of precision (reliability) across a wide range (>4 SD units) of the latent variable. The PROMIS Pediatric Life Satisfaction item banks and their short forms provide efficient, precise, and valid assessments of life satisfaction in children and youth.

Automatic loudness control in short-form content for broadcasting.

Science.gov (United States)

Pires, Leandro da S; Vieira, Maurílio N; Yehia, Hani C

2017-03-01

During the early years of the International Telecommunication Union (ITU) loudness calculation standard for sound broadcasting [ITU-R (2006), Rec. BS Series, 1770], the need for additional loudness descriptors to evaluate short-form content, such as commercials and live inserts, was identified. This work proposes a loudness control scheme to prevent loudness jumps, which can bother audiences. It employs short-form content audio detection and dynamic range processing methods for the maximum loudness level criteria. Detection is achieved by combining principal component analysis for dimensionality reduction and support vector machines for binary classification. Subsequent processing is based on short-term loudness integrators and Hilbert transformers. The performance was assessed using quality classification metrics and demonstrated through a loudness control example.

The patient safety climate in healthcare organizations (PSCHO) survey: Short-form development.

Science.gov (United States)

Benzer, Justin K; Meterko, Mark; Singer, Sara J

2017-08-01

Measures of safety climate are increasingly used to guide safety improvement initiatives. However, cost and respondent burden may limit the use of safety climate surveys. The purpose of this study was to develop a 15- to 20-item safety climate survey based on the Patient Safety Climate in Healthcare Organizations survey, a well-validated 38-item measure of safety climate. The Patient Safety Climate in Healthcare Organizations was administered to all senior managers, all physicians, and a 10% random sample of all other hospital personnel in 69 private sector hospitals and 30 Veterans Health Administration hospitals. Both samples were randomly divided into a derivation sample to identify a short-form subset and a confirmation sample to assess the psychometric properties of the proposed short form. The short form consists of 15 items represented 3 overarching domains in the long-form scale-organization, work unit, and interpersonal. The proposed short form efficiently captures 3 important sources of variance in safety climate: organizational, work-unit, and interpersonal. The short-form development process was a practical method that can be applied to other safety climate surveys. This safety climate short form may increase response rates in studies that involve busy clinicians or repeated measures. Published 2017. This article is a U.S. Government work and is in the public domain in the USA.

Essays on bank liquidity : contributions to the measurement of liquidity risk and to the management of bank liquidity production

OpenAIRE

Soula , Jean-Loup

2017-01-01

Bank liquidity risk reflects the function of banks to create liquidity. Banks are fragile, exposed to the possibility of runs from short-term creditors. This dissertation contributes to a better understanding of bank liquidity risk. The second chapter proposes a measure of bank fragility based on the value of the assets held by a bank. Results confirm, in an original way, the fragile nature of banks. However, bank liquidity creation benefits to the economy. The third chapter analyses the capa...

Analisis Akad Mudharabah Dalam Fasilitas Pendanaan Jangka Pendek Syariah Pada Bank Syariah Mandiri

Directory of Open Access Journals (Sweden)

Ike Purnamasari

2015-01-01

Full Text Available Islamic Banking began to grow rapidly since 2001, in line with these developments required an Islamic Short Term Funding Facility (FPJPS, with mudharabah mechanism provided by the central bank, Bank Indonesia, so that the value of the liquidity of Islamic banking especially Bank Syariah Mandiri increased. This research is descriptive qualitative using data and information as well as the study of literature / bibliography. This study was elaborated on the Islamic Short Term Funding Facility (FPJPS mechanism mudharabah and Bank Syariah Mandiri how to respond to the Islamic Short Term Funding Facility

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

Roman Šubić

2009-12-01

Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.

Tailor-welded blanks and their production

Science.gov (United States)

Yan, Qi

2005-01-01

Tailor welded blanks had been widely used in the automobile industry. A tailor welded blank consists of several flat sheets that were laser welded together before stamping. A combination of different materials, thickness, and coatings could be welded together to form a blank for stamping car body panels. As for the material for automobile industry, this technology was one of the development trend for automobile industry because of its weight reduction, safety improvement and economical use of materials. In this paper, the characters and production of tailor welded blanks in the market were discussed in detail. There had two major methods to produce tailor welded blanks. Laser welding would replace mesh seam welding for the production of tailor welded blanks in the future. The requirements on the edge preparation of unwelded blanks for tailor welded blanks were higher than the other steel processing technology. In order to produce the laser welded blank, there had the other process before the laser welding in the factory. In the world, there had three kinds of patterns for the large volume production of tailor welded blanks. In China, steel factory played the important role in the promotion of the application of tailor welded blanks. The competition for the supply of tailor welded blanks to the automobile industry would become fierce in the near future. As a result, the demand for the quality control on the production of tailor welded blanks would be the first priority concern for the factory.

The School Short-Form Coopersmith Self-Esteem Inventory: Revised and Improved

Science.gov (United States)

Hills, Peter R.; Francis, Leslie J.; Jennings, Penelope

2011-01-01

The school short form of the Coopersmith Self-Esteem Inventory is a widely used measure of children's global self-esteem. Unlike the full-length scale, however, it has been generally understood that the short form does not allow differentiation between the major individual sources of self-esteem. The present study has examined the internal…

Banking beyond banks and money a guide to banking services in the twenty-first century

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchi...

Slow bank system of SINP-Tokamak: A short report

International Nuclear Information System (INIS)

Ray, R.; Ranjan, P.; Chowdhury, S.; Bose, S.

1997-01-01

SINP Tokamak was made operational in July, 1987. The power supply system of the tokamak at that time was designed for a plasma duration of around 2 ms for a peak plasma current of 75 kA. Efforts were directed to increase this duration to 20 ms with the help of a slow bank system designed to work in conjunction with the original fast bank system. The design aspects of the system were completed and the system has been partially executed. Subsequent to this partial implementation, efforts were directed to incorporate the necessary control system and interface facilities between the existing fast bank and the developed slow bank systems. The significant features of the control circuits are that they work according to a well thought out sequences of logic and are designed to guard against possible failures in the existing or the developed power supplies. Efforts have been put to make the operation of the system as much user-friendly as could be worked out within certain practical constraints. The control circuit and interface facilities have been put to extensive tests and are found to work satisfactorily. The entire power supply system is now in active use for different research programmes in the group. (author)

17 CFR 239.43 - Form F-N, appointment of agent for service of process by foreign banks and foreign insurance...

Science.gov (United States)

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Form F-N, appointment of agent for service of process by foreign banks and foreign insurance companies and certain of their holding... agent for service of process by foreign banks and foreign insurance companies and certain of their...

A Survey Study on Customer Experience in Banking Cash Management Products and, Participation Banking Example

Directory of Open Access Journals (Sweden)

Cüneyt DİRİCAN

2016-04-01

Full Text Available Banking as a safe bridge of risk management balances relation between deposit and loan. In the growing trend of interest-free banking Turkey practice, Participation Banking is working to fix the expectations of customers with reasonable solutions. For corporate customers with comprehensive cash management expectations, producing appropriate and fast solutions are important for a positive and sustainable customer experience. Cash Management covers collection of trade receivables and short -term debt payments. In this study, in the light of the financial ratios of participation banking within the banking industry, a participation bank customers' experiences and expectations in cash management products and services were evaluated with the survey methodology and its importance were also examined.

Does Islamic Banking Contribute to Economic Development? Evidence from Malaysia

Directory of Open Access Journals (Sweden)

Hafas Furqani

2008-08-01

Full Text Available Does Islamic banking contribute to the economic development of a country? In what way Islamic banking contribute to the economic development? Are the main question might be asked to examine the viability of Islamic banking to the economic development. This paper attempts to answer those questions by examining the dynamic interactions between Islamic banking and economic development of Malaysia by employing the Cointegration test and Vector Error Model (VECM to see whether the Islamic financial system contributes to the economic development and economic development that contribute to the transformation of the operation of the Islamic financial system in the longrun. We use time series data of total Islamic bank financing (IB financing and real GDP per capita (RGDP, fixed investment (GFCF, and trade activities (TRADE to represent real economic sectors. We found that in the short-run only fixed investment that granger cause Islamic bank to develop for 1997:1-2005:4. Where as in the long-run, there is evidence of a bidirectional relationship between Islamic bank and fixed investment and there is evidence to support ‘demand following’ hypothesis of GDP and Islamic bank, where increase in GDP causes Islamic banking to develop and not vice versa. Islamic banking is also found to have less contribution to the international trade in the form of export and import of goods and services.Keywords: Islamic banking, economic growth, Malaysia, VECM

Integrated Marketing Communication to Enhance Active User of Internet Banking Service: Case Study Bank XYZ

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

Internet banking is a form of self-service technology. In the global banking business, Internet banking has a big role for doing the business. In developing country, Internet banking received relatively little attention although has been deployed for years. Only 3% of customer Bank XYZ in Indonesia using Internet banking service actively, although has been 9 years Bank XYZ introduced Internet banking service. This study addressed what factor that drives and influences Internet banking accepta...

Protection of large capacitor banks

International Nuclear Information System (INIS)

Sprott, J.C.; Lovell, T.W.

1982-06-01

Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure

Bank deposits, notions and features of accounting

Directory of Open Access Journals (Sweden)

Georgeta MELNIC

2016-06-01

Full Text Available Bank deposits are the main method of raising capital and short-term available savings. The opening and using of the bank deposits is the main function of banks. In 2004 the Deposit Guarantee Fund was set up in the Republic of Moldova of Deposit Guarantee Fund and for the first time there was established a guaranteed bank minimum in case of bank insolvency which is currently 6,000 lei for the deposit of each natural person.

Analisis Perbandingan Kinerja pada Bank Nasional dan Bank Asing dengan Menggunakan Analisis Rasio Keuangan

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

Validation of the Short Form of the Academic Procrastination Scale.

Science.gov (United States)

Yockey, Ronald D

2016-02-01

The factor structure, internal consistency reliability, and convergent validity of the five-item Academic Procrastination Scale-Short Form was investigated on an ethnically diverse sample of college students. The results provided support for the Academic Procrastination Scale-Short Form as a unidimensional measure of academic procrastination, which possessed good internal consistency reliability in this sample of 282 students. The scale also demonstrated good convergent validity, with moderate to large correlations with both the Procrastination Assessment Scale-Students and the Tuckman Procrastination Scale. Implications of the results are discussed and recommendations for future work provided.

Mobile banking: New trend in the contemporary banking sector

Directory of Open Access Journals (Sweden)

Sanader Dušica

2014-01-01

Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

A Comparison of the Interest Accuracy of Two Short Forms of the WAIS-R.

Science.gov (United States)

Cella, David F.; And Others

1985-01-01

Examined relative efficacy of two short forms of Wechsler Adult Intelligence Scale-Revised (WAIS-R) with respect to accurate subtest profile scatter (N=50). Subtest scores of both split-half Satz-Mogel short form and criterion referenced Modified WAIS-R (WAIS-RM) short form were found to differ significantly from full-length WAIS-R subtest scores.…

Rapidly-administered short forms of the Wechsler Adult Intelligence Scale-3rd edition.

Science.gov (United States)

Donnell, Alison J; Pliskin, Neil; Holdnack, James; Axelrod, Bradley; Randolph, Christopher

2007-11-01

Although the Wechsler Full Scale IQ (FSIQ) is a common component of most neuropsychological evaluations, there are many clinical situations where the complete administration of this battery is precluded by various constraints, including limitations of time and patient compliance. These constraints are particularly true for dementia evaluations involving elderly patients. The present study reports data on two short forms particularly suited to dementia evaluations, each requiring less than 20min of administration time. One of the short forms was previously validated in dementia for the WAIS-R [Randolph, C., Mohr, E., & Chase, T. N. (1993). Assessment of intellectual function in dementing disorders: Validity of WAIS-R short forms for patients with Alzheimer's, Huntington's, and Parkinson's disease. Journal of Clinical and Experimental Neuropsychology, 15, 743-753]; the second was developed specifically for patients with motor disabilities. These short forms were validated using the WAIS-III normative standardization sample (N=2450), neurologic sample (N=63), and matched controls (N=49), and a separate mixed clinical sample (N=70). The results suggest that each short form provides an accurate and reliable estimate of WAIS-III FSIQ, validating their use in appropriate clinical contexts. The present data support the use of these short forms for dementia evaluations, and suggests that they may be applicable for the evaluation of other neurological and neuropsychiatric disorders that involve acquired neurocognitive impairment.

Development and Evaluation of the PROMIS® Pediatric Positive Affect Item Bank, Child-Report and Parent-Proxy Editions.

Science.gov (United States)

Forrest, Christopher B; Ravens-Sieberer, Ulrike; Devine, Janine; Becker, Brandon D; Teneralli, Rachel; Moon, JeanHee; Carle, Adam; Tucker, Carole A; Bevans, Katherine B

2018-03-01

The purpose of this study is to describe the psychometric evaluation and item response theory calibration of the PROMIS Pediatric Positive Affect item bank, child-report and parent-proxy editions. The initial item pool comprising 53 items, previously developed using qualitative methods, was administered to 1,874 children 8-17 years old and 909 parents of children 5-17 years old. Analyses included descriptive statistics, reliability, factor analysis, differential item functioning, and construct validity. A total of 14 items were deleted, because of poor psychometric performance, and an 8-item short form constructed from the remaining 39 items was administered to a national sample of 1,004 children 8-17 years old, and 1,306 parents of children 5-17 years old. The combined sample was used in item response theory (IRT) calibration analyses. The final item bank appeared unidimensional, the items appeared locally independent, and the items were free from differential item functioning. The scales showed excellent reliability and convergent and discriminant validity. Positive affect decreased with children's age and was lower for those with a special health care need. After IRT calibration, we found that 4 and 8 item short forms had a high degree of precision (reliability) across a wide range of the latent trait (>4 SD units). The PROMIS Pediatric Positive Affect item bank and its short forms provide an efficient, precise, and valid assessment of positive affect in children and youth.

48 CFR 52.246-9 - Inspection of Research and Development (Short Form).

Science.gov (United States)

2010-10-01

... Clauses 52.246-9 Inspection of Research and Development (Short Form). As prescribed in 46.309, insert the following clause: Inspection of Research and Development (Short Form) (APR 1984) The Government has the... 48 Federal Acquisition Regulations System 2 2010-10-01 2010-10-01 false Inspection of Research and...

The Legal Structure of Commercial Banks and Financial Regulation : does organizational form matter for the design of bank regulation?

NARCIS (Netherlands)

V.L.E. Cedeno-Brea (Enmanuel)

2017-01-01

markdownabstractDo the different ways that commercial banks are legally organized matter for the design of financial regulation? It is often assumed that most commercial banks are setup as investor owned business corporations. However, this is not always the case In many jurisdictions, banks are

Dyadic Short Forms of the Wechsler Adult Intelligence Scale-IV.

Science.gov (United States)

Denney, David A; Ringe, Wendy K; Lacritz, Laura H

2015-08-01

Full Wechsler Adult Intelligence Scale-Fourth Edition (WAIS-IV) administration can be time-consuming and may not be necessary when intelligence quotient estimates will suffice. Estimated Full Scale Intelligence Quotient (FSIQ) and General Ability Index (GAI) scores were derived from nine dyadic short forms using individual regression equations based on data from a clinical sample (n = 113) that was then cross validated in a separate clinical sample (n = 50). Derived scores accounted for 70%-83% of the variance in FSIQ and 77%-88% of the variance in GAI. Predicted FSIQs were strongly associated with actual FSIQ (rs = .73-.88), as were predicted and actual GAIs (rs = .80-.93). Each of the nine dyadic short forms of the WAIS-IV was a good predictor of FSIQ and GAI in the validation sample. These data support the validity of WAIS-IV short forms when time is limited or lengthier batteries cannot be tolerated by patients. © The Author 2015. Published by Oxford University Press. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Accuracy of Short Forms of the Dutch Wechsler Preschool and Primary Scale of Intelligence: Third Edition.

Science.gov (United States)

Hurks, Petra; Hendriksen, Jos; Dek, Joelle; Kooij, Andress

2016-04-01

This article investigated the accuracy of six short forms of the Dutch Wechsler Preschool and Primary Scale of Intelligence-Third edition (WPPSI-III-NL) in estimating intelligent quotient (IQ) scores in healthy children aged 4 to 7 years (N = 1,037). Overall, accuracy for each short form was studied, comparing IQ equivalences based on the short forms with the original WPPSI-III-NL Full Scale IQ (FSIQ) scores. Next, our sample was divided into three groups: children performing below average, average, or above average, based on the WPPSI-III-NL FSIQ estimates of the original long form, to study the accuracy of WPPSI-III-NL short forms at the tails of the FSIQ distribution. While studying the entire sample, all IQ estimates of the WPPSI-III-NL short forms correlated highly with the FSIQ estimates of the original long form (all rs ≥ .83). Correlations decreased significantly while studying only the tails of the IQ distribution (rs varied between .55 and .83). Furthermore, IQ estimates of the short forms deviated significantly from the FSIQ score of the original long form, when the IQ estimates were based on short forms containing only two subtests. In contrast, unlike the short forms that contained two to four subtests, the Wechsler Abbreviated Scale of Intelligence short form (containing the subtests Vocabulary, Similarities, Block Design, and Matrix Reasoning) and the General Ability Index short form (containing the subtests Vocabulary, Similarities, Comprehension, Block Design, Matrix Reasoning, and Picture Concepts) produced less variations when compared with the original FSIQ score. © The Author(s) 2015.

The effects of shadow banking on the traditional banking system in Zimbabwe

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

Full Text Available The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.

How Do Earth-Sized, Short-Period Planets Form?

Science.gov (United States)

Kohler, Susanna

2017-08-01

Matching theory to observation often requires creative detective work. In a new study, scientists have used a clever test to reveal clues about the birth of speedy, Earth-sized planets.Former Hot Jupiters?Artists impression of a hot Jupiter with an evaporating atmosphere. [NASA/Ames/JPL-Caltech]Among the many different types of exoplanets weve observed, one unusual category is that of ultra-short-period planets. These roughly Earth-sized planets speed around their host stars at incredible rates, with periods of less than a day.How do planets in this odd category form? One popular theory is that they were previously hot Jupiters, especially massive gas giants orbiting very close to their host stars. The close orbit caused the planets atmospheres to be stripped away, leaving behind only their dense cores.In a new study, a team of astronomers led by Joshua Winn (Princeton University) has found a clever way to test this theory.Planetary radius vs. orbital period for the authors three statistical samples (colored markers) and the broader sample of stars in the California Kepler Survey. [Winn et al. 2017]Testing MetallicitiesStars hosting hot Jupiters have an interesting quirk: they typically have metallicities that are significantly higher than an average planet-hosting star. It is speculated that this is because planets are born from the same materials as their host stars, and hot Jupiters require the presence of more metals to be able to form.Regardless of the cause of this trend, if ultra-short-period planets are in fact the solid cores of former hot Jupiters, then the two categories of planets should have hosts with the same metallicity distributions. The ultra-short-period-planet hosts should therefore also be weighted to higher metallicities than average planet-hosting stars.To test this, the authors make spectroscopic measurements and gather data for a sample of stellar hosts split into three categories:64 ultra-short-period planets (orbital period shorter than a

Bangladesh Bank Heist

OpenAIRE

Md Ahsan Habib

2017-01-01

Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.

Inside money, procyclical leverage, and banking catastrophes.

Science.gov (United States)

Brummitt, Charles D; Sethi, Rajiv; Watts, Duncan J

2014-01-01

We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par) can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe), causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.

Inside money, procyclical leverage, and banking catastrophes.

Directory of Open Access Journals (Sweden)

Charles D Brummitt

Full Text Available We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe, causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.

TV MEDIA ANALYSIS FOR BANKING CATEGORY (2012)

OpenAIRE

Alexandra Elena POȘTOACĂ; Dorian – Laurențiu FLOREA

2014-01-01

This article represents a short overview of the media landscape for the banking category in Romania in 2012. Unlike the other categories (for example FMCG – fast moving consumer goods), the banking category is more complex because every bank can communicate for a wider range of products (credits, deposits, packages dedicated to students, pensioners and other types of banking products). In the first part of this paper, there will be presented some theoretical notions about media planning a...

Test-Retest Reliability of the Short-Form Survivor Unmet Needs Survey.

Science.gov (United States)

Taylor, Karen; Bulsara, Max; Monterosso, Leanne

2018-01-01

Reliable and valid needs assessment measures are important assessment tools in cancer survivorship care. A new 30-item short-form version of the Survivor Unmet Needs Survey (SF-SUNS) was developed and validated with cancer survivors, including hematology cancer survivors; however, test-retest reliability has not been established. The objective of this study was to assess the test-retest reliability of the SF-SUNS with a cohort of lymphoma survivors ( n = 40). Test-retest reliability of the SF-SUNS was conducted at two time points: baseline (time 1) and 5 days later (time 2). Test-retest data were collected from lymphoma cancer survivors ( n = 40) in a large tertiary cancer center in Western Australia. Intraclass correlation analyses compared data at time 1 (baseline) and time 2 (5 days later). Cronbach's alpha analyses were performed to assess the internal consistency at both time points. The majority (23/30, 77%) of items achieved test-retest reliability scores 0.45-0.74 (fair to good). A high degree of overall internal consistency was demonstrated (time 1 = 0.92, time 2 = 0.95), with scores 0.65-0.94 across subscales for both time points. Mixed test-retest reliability of the SF-SUNS was established. Our results indicate the SF-SUNS is responsive to the changing needs of lymphoma cancer survivors. Routine use of cancer survivorship specific needs-based assessments is required in oncology care today. Nurses are well placed to administer these assessments and provide tailored information and resources. Further assessment of test-retest reliability in hematology and other cancer cohorts is warranted.

Development and Validation of A Short Form of the Attitude Toward Poverty Scale

Directory of Open Access Journals (Sweden)

Sung Hyun Yun

2010-10-01

Full Text Available This study outlines the development and validation of a short form of the 37-item Attitude toward Poverty (ATP scale. Employing a cross-sectional survey design, the authors sampled 319 undergraduate students at a mid-sized university located in central Canada. The short form evinced high levels of internal consistency ranging from .87 to .89. Evidence for the validity was established through correlational analyses and independent samples t-tests. The findings suggest the short form is a feasible alternative to the original ATP scale for researchers and academics seeking to assess the poverty-related attitudes of university students.

Linking Existing Instruments to Develop an Activity of Daily Living Item Bank.

Science.gov (United States)

Li, Chih-Ying; Romero, Sergio; Bonilha, Heather S; Simpson, Kit N; Simpson, Annie N; Hong, Ickpyo; Velozo, Craig A

2018-03-01

This study examined dimensionality and item-level psychometric properties of an item bank measuring activities of daily living (ADL) across inpatient rehabilitation facilities and community living centers. Common person equating method was used in the retrospective veterans data set. This study examined dimensionality, model fit, local independence, and monotonicity using factor analyses and fit statistics, principal component analysis (PCA), and differential item functioning (DIF) using Rasch analysis. Following the elimination of invalid data, 371 veterans who completed both the Functional Independence Measure (FIM) and minimum data set (MDS) within 6 days were retained. The FIM-MDS item bank demonstrated good internal consistency (Cronbach's α = .98) and met three rating scale diagnostic criteria and three of the four model fit statistics (comparative fit index/Tucker-Lewis index = 0.98, root mean square error of approximation = 0.14, and standardized root mean residual = 0.07). PCA of Rasch residuals showed the item bank explained 94.2% variance. The item bank covered the range of θ from -1.50 to 1.26 (item), -3.57 to 4.21 (person) with person strata of 6.3. The findings indicated the ADL physical function item bank constructed from FIM and MDS measured a single latent trait with overall acceptable item-level psychometric properties, suggesting that it is an appropriate source for developing efficient test forms such as short forms and computerized adaptive tests.

Methodology for the development and calibration of the SCI-QOL item banks.

Science.gov (United States)

Tulsky, David S; Kisala, Pamela A; Victorson, David; Choi, Seung W; Gershon, Richard; Heinemann, Allen W; Cella, David

2015-05-01

To develop a comprehensive, psychometrically sound, and conceptually grounded patient reported outcomes (PRO) measurement system for individuals with spinal cord injury (SCI). Individual interviews (n=44) and focus groups (n=65 individuals with SCI and n=42 SCI clinicians) were used to select key domains for inclusion and to develop PRO items. Verbatim items from other cutting-edge measurement systems (i.e. PROMIS, Neuro-QOL) were included to facilitate linkage and cross-population comparison. Items were field tested in a large sample of individuals with traumatic SCI (n=877). Dimensionality was assessed with confirmatory factor analysis. Local item dependence and differential item functioning were assessed, and items were calibrated using the item response theory (IRT) graded response model. Finally, computer adaptive tests (CATs) and short forms were administered in a new sample (n=245) to assess test-retest reliability and stability. A calibration sample of 877 individuals with traumatic SCI across five SCI Model Systems sites and one Department of Veterans Affairs medical center completed SCI-QOL items in interview format. We developed 14 unidimensional calibrated item banks and 3 calibrated scales across physical, emotional, and social health domains. When combined with the five Spinal Cord Injury--Functional Index physical function banks, the final SCI-QOL system consists of 22 IRT-calibrated item banks/scales. Item banks may be administered as CATs or short forms. Scales may be administered in a fixed-length format only. The SCI-QOL measurement system provides SCI researchers and clinicians with a comprehensive, relevant and psychometrically robust system for measurement of physical-medical, physical-functional, emotional, and social outcomes. All SCI-QOL instruments are freely available on Assessment CenterSM.

Deep drawing simulations of tailored blanks and experimental verification

NARCIS (Netherlands)

Meinders, Vincent T.; van den Berg, Albert; Huetink, Han

2000-01-01

Tailored Blanks are increasingly used in the automotive industry. A combination of different materials, thickness, and coatings can be welded together to form a blank for stamping car body panels. The main advantage of using Tailored Blanks is to have specific characteristics at particular parts of

Innovative Trends Of International Banking Business (Case Of Azerbaijan

Directory of Open Access Journals (Sweden)

F. F. Murshudli

2018-01-01

Full Text Available Development of the international banking business, the formation of its new paradigm in the context of globalization of the financial system and the intensification of global economic relations in recent years requires the innovative component. The combination of innovations, financial and external economic environment is one of the most important factors that characterize the phenomenon of the “new economy”. Therefore, innovative processes should be considered in conjunction with the changes of the processes connected with the foreign trade banking. The article gives a brief overview of the scientific literature on the international banking business and its innovative trends. Prerequisites are disclosed, direction and purpose of banking innovations, the area of their implementation and multi-vector forms of manifestation, reveals problems of innovative development of the international banking business, identifies potential paths of their solutions. The necessity of implementation of the innovative methods and instruments of bank service of foreign economic activity is justified and measures for their introduction in this process are offered. A wide spectrum of innovative trends of international banking business is defined as internal competitive environment, and external vectors. The author draws the attention to the contribution of the improvement of the sustainability and competitiveness of the business in terms of volatility of market processes. In the article on the example of the Republic of Azerbaijan presents practical recommendations on the development of innovative technologies in the banking system, the implementation of main tasks in this area, which are aimed to the development of effective management decisions on innovative international banking business in the foreseeable short and medium term.

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

Business ethics is considered critical for the reputation and competitive power of banks, especially in China after WTO Entry. This study applied the theory and research on ethical practices of successful managers and ethics control mechanisms to identify the ethical climates that result in ethical behaviors in the banking. 141 employees from different banks in Shanghai, China, completed measures of all scales in the survey. The results support the theorizing of the value of well-formed business ethics in the banking in China. The correlation and structural equation analysis suggests that ethical practices of successful managers and ethics control mechanisms of banks reinforce three ethical climates of 'service', 'law and rules' and 'caring' that promote the ethical level of employees, and the independence and instrumental climate on the contrary. This study also found that there are three ethics control mechanisms most commonly used in the banking and ethics-focused reward system is believed to be a mostly effective one by the employees of banking in China.

Bank and sovereign debt risk

OpenAIRE

Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego

2013-01-01

Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...

Distribution of various forms of Cd, Pb and Cu in the Wadge Bank region (Arabian Sea)

Digital Repository Service at National Institute of Oceanography (India)

George, M.D.

Labile, nonlabile and particulate forms of Cd,Pb and Cu were determined in 29 water samples collected from a depth of 5 m, from the Wadge Bank area. Labile Cd varied from 0.1 to 0.2 mu g.l-1 while nonlabile fraction was in the range 0.1 to 0.3 mu gl...

A Study of Philippine Monetary and Banking Policies

OpenAIRE

Bautista, Ernesto D.

1992-01-01

This study assesses the Philippine monetary and banking policies with the view of identifying preferred policy options and features of a monetary and banking policy program supportive of overall economic growth and agro-industrial development. It describes the following: the impact of existing monetary and banking policy on short- and long-term economic development and the legislative and administrative measures required to adopt and implement such a monetary and banking policy. It also ident...

UBS BANK INFORMATION

CERN Document Server

UBS, CERN branch

2002-01-01

UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...

Psychometric testing of the properties of the spiritual health scale short form.

Science.gov (United States)

Hsiao, Ya-Chu; Chiang, Yi-Chien; Lee, Hsiang-Chun; Han, Chin-Yen

2013-11-01

To further examine the psychometric properties of the spiritual health scale short form, including its reliability and validity. Spirituality is one of the main factors associated with good health outcomes. A reliable and valid instrument to measure spirituality is essential to identify the spiritual needs of an individual and to evaluate the effect of spiritual care. A cross-sectional study design was used. The study was conducted in six nursing schools in northern, central and southern Taiwan. The inclusion criterion for participants was nursing students with clinical practice experience. Initially, 1141 participants were recruited for the study, but 67 were absent and 48 did not complete the questionnaires. A total of 1026 participants were finally recruited, indicating a response rate of 89·9%. The psychometric testing of the spiritual health scale short form included construct validity with confirmatory factor analysis, known-group validity and internal consistency reliability. The results of the confirmatory factor analysis supported the five-factor model as an acceptable model fit. In the known-group validity, the results indicated that people who are in the category of primary religious affiliation have better spiritual health than people in the category of secondary religious affiliation and atheism. The result also indicated that the 24-item spiritual health scale short form achieved an acceptable internal consistency coefficient. The findings suggest that the spiritual health scale short form is a valid and reliable instrument for the appraisal of individual spiritual health. The spiritual health scale short form could provide useful information to guide clinical practice in assessing and managing people's spiritual health in Taiwan. © 2013 John Wiley & Sons Ltd.

Liquidity and Transparency in Bank Risk Management

OpenAIRE

Lev Ratnovski

2013-01-01

Banks may be unable to refinance short-term liabilities in case of solvency concerns. To manage this risk, banks can accumulate a buffer of liquid assets, or strengthen transparency to communicate solvency. While a liquidity buffer provides complete insurance against small shocks, transparency covers also large shocks but imperfectly. Due to leverage, an unregulated bank may choose insufficient liquidity buffers and transparency. The regulatory response is constained: while liquidity buffers ...

The establishment of a national tissue bank for inflammatory bowel disease research in Canada.

Science.gov (United States)

Collins, Stephen M; McHugh, Kevin; Croitoru, Ken; Howorth, Michael

2003-02-01

The Crohn's and Colitis Foundation of Canada (CCFC) has established a national bank for tissue, serum and blood from patients with inflammatory bowel disease (IBD). Investigators from across the country submit material to the bank together with clinical data. Investigators may access their own patient information from the bank for their own study purposes, but the distribution of tissue is restricted to specific CCFC-funded projects. Currently, tissues are being collected from newly diagnosed, untreated IBD patients to support a recent initiative aimed at characterizing microbes in colonic and ileal biopsies from such patients. In the future, criteria for the submission of tissue will be tailored to specific research questions. This bank is believed to be the first national bank of its kind dedicated to research in Crohn's disease and ulcerative colitis

Improving Soil Seed Bank Management.

Science.gov (United States)

Haring, Steven C; Flessner, Michael L

2018-05-08

Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

Comparison of WAIS-III Short Forms for Measuring Index and Full-Scale Scores

Science.gov (United States)

Girard, Todd A.; Axelrod, Bradley N.; Wilkins, Leanne K.

2010-01-01

This investigation assessed the ability of the Wechsler Adult Intelligence Scale-Third Edition (WAIS-III) short forms to estimate both index and IQ scores in a large, mixed clinical sample (N = 809). More specifically, a commonly used modification of Ward's seven-subtest short form (SF7-A), a recently proposed index-based SF7-C and eight-subtest…

Empirical Assessment on Financial Regulations and Banking Sector Performance

Directory of Open Access Journals (Sweden)

Igbinosa S.

2017-09-01

Full Text Available This study examines financial regulation and banking sector performance in Nigeria. Specifically, the study determines the impact of reforms on banking sector performance and also assesses the nexus between capital adequacy and banking sector performance. Time series data for the period 1993 to 2014 was used. As an analytical tool, the study uses unit root test to determine the stationary state of the variables. We also employed the Johansson co-integration and error correction model (ECM statistical techniques to establish both short-run and long-run dynamic relationships between the endogenous and exogenous variables. The empirical findings indicate that financial regulation significantly impacts the banking sector performance while financial regulation has both short-run and long-run dynamic relationships with the banking sector performance in Nigeria. It was found that the four-period lag of capital adequacy negatively affects banking sector performance and is not statistically significant. The paper suggests that the Central Bank of Nigeria (CBN should continually make public the impacts that the various financial regulations and reforms have on the performance of Nigerian banks. Majority of the policies on financial regulation by the apex bank (CBN need to be long-run which can enable confidence of stakeholders, shareholders and the general public in the Nigerian banking industry when critically evaluated.

The Decline of Traditional Banking Activities

Directory of Open Access Journals (Sweden)

Gabriela Cornelia Piciu

2011-05-01

Full Text Available The decline of traditional banking activities raise the issue of efficiency of financial stability, in terms ofquantitative and qualitative aspects – the increasing danger of banking failures as well as of susceptibility due toincreased propensity of banking institutions to assume additional to risks either in the form of riskier loans offer orengaging in other "non-traditional" financial activities which give a promise for greater profitability, but also higherrisks. Non-traditional activities of banking as financial products dealers (financial derivatives, generate an increasingrisks and vulnerabilities in the form of moral hazard issues. That is the reason why and these activities should beregulated as well as are the traditional activities. Challenges posed by the decline of traditional banking activities istwofold: the stability of the banking system must be maintained, while the banking system needs to be restructured toachieve financial stability in the long run. One possible way is an appropriate regulatory framework to encourage atransition period of changing the structure of banking activity(reduction of traditional activities and expanding nontraditional activities to enable banking institutions to perform a deep methodic analysis of non traditional activities,oriented to the financial banking efficiency.

Psychometric properties of the PROMIS Physical Function item bank in patients receiving physical therapy.

Directory of Open Access Journals (Sweden)

Martine H P Crins

Full Text Available The Patient-Reported Outcomes Measurement Information System (PROMIS is a universally applicable set of instruments, including item banks, short forms and computer adaptive tests (CATs, measuring patient-reported health across different patient populations. PROMIS CATs are highly efficient and the use in practice is considered feasible with little administration time, offering standardized and routine patient monitoring. Before an item bank can be used as CAT, the psychometric properties of the item bank have to be examined. Therefore, the objective was to assess the psychometric properties of the Dutch-Flemish PROMIS Physical Function item bank (DF-PROMIS-PF in Dutch patients receiving physical therapy.Cross-sectional study.805 patients >18 years, who received any kind of physical therapy in primary care in the past year, completed the full DF-PROMIS-PF (121 items.Unidimensionality was examined by Confirmatory Factor Analysis and local dependence and monotonicity were evaluated. A Graded Response Model was fitted. Construct validity was examined with correlations between DF-PROMIS-PF T-scores and scores on two legacy instruments (SF-36 Health Survey Physical Functioning scale [SF36-PF10] and the Health Assessment Questionnaire Disability-Index [HAQ-DI]. Reliability (standard errors of theta was assessed.The results for unidimensionality were mixed (scaled CFI = 0.924, TLI = 0.923, RMSEA = 0.045, 1th factor explained 61.5% of variance. Some local dependence was found (8.2% of item pairs. The item bank showed a broad coverage of the physical function construct (threshold-parameters range: -4.28-2.33 and good construct validity (correlation with SF36-PF10 = 0.84 and HAQ-DI = -0.85. Furthermore, the DF-PROMIS-PF showed greater reliability over a broader score-range than the SF36-PF10 and HAQ-DI.The psychometric properties of the DF-PROMIS-PF item bank are sufficient. The DF-PROMIS-PF can now be used as short forms or CAT to measure the level of

Genetic Testing and Tissue Banking for Personalized Oncology: Analytical and Institutional Factors.

Science.gov (United States)

Miles, George; Rae, James; Ramalingam, Suresh S; Pfeifer, John

2015-10-01

Personalized oncology, or more aptly precision oncogenomics, refers to the identification and implementation of clinically actionable targets tailored to an individual patient's cancer genomic information. Banking of human tissue and other biospecimens establishes a framework to extract and collect the data essential to our understanding of disease pathogenesis and treatment. Cancer cooperative groups in the United States have led the way in establishing robust biospecimen collection mechanisms to facilitate translational research, and combined with technological advances in molecular testing, tissue banking has expanded from its traditional base in academic research and is assuming an increasingly pivotal role in directing the clinical care of cancer patients. Comprehensive screening of tumors by DNA sequencing and the ability to mine and interpret these large data sets from well-organized tissue banks have defined molecular subtypes of cancer. Such stratification by genomic criteria has revolutionized our perspectives on cancer diagnosis and treatment, offering insight into prognosis, progression, and susceptibility or resistance to known therapeutic agents. In turn, this has enabled clinicians to offer treatments tailored to patients that can greatly improve their chances of survival. Unique challenges and opportunities accompany the rapidly evolving interplay between tissue banking and genomic sequencing, and are the driving forces underlying the revolution in precision medicine. Molecular testing and precision medicine clinical trials are now becoming the major thrust behind the cooperative groups' clinical research efforts. Copyright © 2015 Elsevier Inc. All rights reserved.

The Development of a Motor-Free Short-Form of the Wechsler Intelligence Scale for Children-Fifth Edition.

Science.gov (United States)

Piovesana, Adina M; Harrison, Jessica L; Ducat, Jacob J

2017-12-01

This study aimed to develop a motor-free short-form of the Wechsler Intelligence Scale for Children-Fifth Edition (WISC-V) that allows clinicians to estimate the Full Scale Intelligence Quotients of youths with motor impairments. Using the reliabilities and intercorrelations of six WISC-V motor-free subtests, psychometric methodologies were applied to develop look-up tables for four Motor-free Short-form indices: Verbal Comprehension Short-form, Perceptual Reasoning Short-form, Working Memory Short-form, and a Motor-free Intelligence Quotient. Index-level discrepancy tables were developed using the same methods to allow clinicians to statistically compare visual, verbal, and working memory abilities. The short-form indices had excellent reliabilities ( r = .92-.97) comparable to the original WISC-V. This motor-free short-form of the WISC-V is a reliable alternative for the assessment of intellectual functioning in youths with motor impairments. Clinicians are provided with user-friendly look-up tables, index level discrepancy tables, and base rates, displayed similar to those in the WISC-V manuals to enable interpretation of assessment results.

The impact of Taxation on Bank Leverage and Asset Risk

NARCIS (Netherlands)

Horvath, B.L.

2013-01-01

Abstract: The tax-bene t of interest deductibility encourages debt nancing, but regulatory and market constraints create dependency between bank leverage and risk. Using a large international sample of banks this paper estimates the short and long run effects of corporate income taxes (CIT) on bank

Banking Accounting Practices “Humanist”

Directory of Open Access Journals (Sweden)

Nanang Shonhadji

2016-04-01

Full Text Available Humanism is a universal value that should be attached to all forms and operational activities of the bank because the bank’s main business is to provide service to humanity. The purpose of this study was to determine the humanist banking practice. The use of qualitative methods with a phenomenological approach that involve an account officer and marketing staff as key informants. In-depth interviews conducted to obtain comprehensive information. The results of the study informs that the banking practice in the lending and the funding activities were still oriented to material interests or to achieve maximum profit with unbalanced position. It caused the values of humanism in the form of truth and equitable negated by bank stakeholder. The results of this study also found that there are two forms of awareness is needed in the value of accountability in the process of funding and lending activities to customers humanistic were the awareness of responsibility to themselves and to God.

The Establishment of a National Tissue Bank for Inflammatory Bowel Disease Research in Canada

Directory of Open Access Journals (Sweden)

Stephen M Collins

2003-01-01

Full Text Available The Crohn’s and Colitis Foundation of Canada (CCFC has established a national bank for tissue, serum and blood from patients with inflammatory bowel disease (IBD. Investigators from across the country submit material to the bank together with clinical data. Investigators may access their own patient information from the bank for their own study purposes, but the distribution of tissue is restricted to specific CCFC-funded projects. Currently, tissues are being collected from newly diagnosed, untreated IBD patients to support a recent initiative aimed at characterizing microbes in colonic and ileal biopsies from such patients. In the future, criteria for the submission of tissue will be tailored to specific research questions. This bank is believed to be the first national bank of its kind dedicated to research in Crohn’s disease and ulcerative colitis.

Closed Form Solution of Synchronous Machine Short Circuit Transients

Directory of Open Access Journals (Sweden)

Gibson H.M. Sianipar

2010-05-01

Full Text Available This paper presents the closed form solution of the synchronous machine transients undergoing short circuit. That analytic formulation has been derived based on linearity and balanced conditions of the fault. Even though restrictive, the proposed method will serve somehow or other as a new resource for EMTP productivity. Indisputably superior, the closed-form formulation has some features inimitable by discretization such as continuity, accuracy and absolute numerical stability. Moreover, it enables us to calculate states at one specific instant independent of previous states or a snapshot, which any discretization methods cannot do.

Exploring the submarine Graham Bank in the Sicily Channel

Directory of Open Access Journals (Sweden)

Mauro Coltelli

2016-05-01

Full Text Available In the Sicily Channel, volcanic activity has been concentrated mainly on the Pantelleria and Linosa islands, while minor submarine volcanism took place in the Adventure, Graham and Nameless banks. The volcanic activity spanned mostly during Plio-Pleistocene, however, historical submarine eruptions occurred in 1831 on the Graham Bank and in 1891 offshore Pantelleria Island. On the Graham Bank, 25 miles SW of Sciacca, the 1831 eruption formed the short-lived Ferdinandea Island that represents the only Italian volcano active in historical times currently almost completely unknown and not yet monitored. Moreover, most of the Sicily Channel seismicity is concentrated along a broad NS belt extending from the Graham Bank to Lampedusa Island. In 2012, the Istituto Nazionale di Geofisica e Vulcanologia (INGV carried out a multidisciplinary oceanographic cruise, named “Ferdinandea 2012”, the preliminary results of which represent the aim of this paper. The cruise goal was the mapping of the morpho-structural features of some submarine volcanic centres located in the northwestern side of the Sicily Channel and the temporary recording of their seismic and degassing activity. During the cruise, three OBS/Hs (ocean bottom seismometer with hydrophone were deployed near the Graham, Nerita and Terribile submarine banks. During the following 9 months they have recorded several seismo-acoustic signals produced by both tectonic and volcanic sources. A high-resolution bathymetric survey was achieved on the Graham Bank and on the surrounding submarine volcanic centres. A widespread and voluminous gas bubbles emission was observed by both multibeam sonar echoes and a ROV (remotely operated vehicle along the NW side of the Graham Bank, where gas and seafloor samples were also collected.

Underestimated Halogen Bonds Forming with Protein Backbone in Protein Data Bank.

Science.gov (United States)

Zhang, Qian; Xu, Zhijian; Shi, Jiye; Zhu, Weiliang

2017-07-24

Halogen bonds (XBs) are attracting increasing attention in biological systems. Protein Data Bank (PDB) archives experimentally determined XBs in biological macromolecules. However, no software for structure refinement in X-ray crystallography takes into account XBs, which might result in the weakening or even vanishing of experimentally determined XBs in PDB. In our previous study, we showed that side-chain XBs forming with protein side chains are underestimated in PDB on the basis of the phenomenon that the proportion of side-chain XBs to overall XBs decreases as structural resolution becomes lower and lower. However, whether the dominant backbone XBs forming with protein backbone are overlooked is still a mystery. Here, with the help of the ratio (R F ) of the observed XBs' frequency of occurrence to their frequency expected at random, we demonstrated that backbone XBs are largely overlooked in PDB, too. Furthermore, three cases were discovered possessing backbone XBs in high resolution structures while losing the XBs in low resolution structures. In the last two cases, even at 1.80 Å resolution, the backbone XBs were lost, manifesting the urgent need to consider XBs in the refinement process during X-ray crystallography study.

Wechsler Intelligence Scale for Children-fourth edition (WISC-IV) short-form validity: a comparison study in pediatric epilepsy.

Science.gov (United States)

Hrabok, Marianne; Brooks, Brian L; Fay-McClymont, Taryn B; Sherman, Elisabeth M S

2014-01-01

The purpose of this article was to investigate the accuracy of the WISC-IV short forms in estimating Full Scale Intelligence Quotient (FSIQ) and General Ability Index (GAI) in pediatric epilepsy. One hundred and four children with epilepsy completed the WISC-IV as part of a neuropsychological assessment at a tertiary-level children's hospital. The clinical accuracy of eight short forms was assessed in two ways: (a) accuracy within +/- 5 index points of FSIQ and (b) the clinical classification rate according to Wechsler conventions. The sample was further subdivided into low FSIQ (≤ 80) and high FSIQ (> 80). All short forms were significantly correlated with FSIQ. Seven-subtest (Crawford et al. [2010] FSIQ) and 5-subtest (BdSiCdVcLn) short forms yielded the highest clinical accuracy rates (77%-89%). Overall, a 2-subtest (VcMr) short form yielded the lowest clinical classification rates for FSIQ (35%-63%). The short form yielding the most accurate estimate of GAI was VcSiMrBd (73%-84%). Short forms show promise as useful estimates. The 7-subtest (Crawford et al., 2010) and 5-subtest (BdSiVcLnCd) short forms yielded the most accurate estimates of FSIQ. VcSiMrBd yielded the most accurate estimate of GAI. Clinical recommendations are provided for use of short forms in pediatric epilepsy.

Banking system reform, earnings quality and credit allocation

Institute of Scientific and Technical Information of China (English)

Xiuli Zhu; Lianjun Li; Yunkui Xue

2012-01-01

This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in stateowned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-stateowned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime.

Development of a Short Form of the Boston Naming Test for Individuals with Aphasia

Science.gov (United States)

del Toro, Christina M.; Bislick, Lauren P.; Comer, Matthew; Velozo, Craig; Romero, Sergio; Rothi, Leslie J. Gonzalez; Kendall, Diane L.

2011-01-01

Purpose: The purpose of this study was to develop a short form of the Boston Naming Test (BNT; Kaplan, Goodglass, & Weintraub, 2001) for individuals with aphasia and compare it with 2 existing short forms originally analyzed with responses from people with dementia and neurologically healthy adults. Method: Development of the new BNT-Aphasia Short…

THE APPLICATION OF RISK BASED BANK RATING ON BANKRUPTCY PREDICTION OF BANKS IN INDONESIA

Directory of Open Access Journals (Sweden)

Evi Sistiyarini

2017-04-01

Full Text Available The increase of banking products and services which is more complex will increase the risk to the banks. Therefore, to anticipate the rise of financial difficulties in a bank, the early warning system. This study aimed to find the influence RBBR (Risk Based Bank Rating ratio’s to predict bankruptcy of conventional Banks in Indonesia. Ratio of RBBR consisted of risk profile, Good Corporate Governance, profitability and capital. Independent variables used were NPL, PDN, LDR, GCG, ROA and NIM, and CAR. Dependent variable was bank bankruptcy using dummy variable. The population of this study was all of the conventional banks in Indonesia. The data was a secondary data taken form financial report of conventional bank 2011-2015. Technical sampling used was a purposive sampling method with some criteria. The analysis of this study used logistic regression.The result of the study showed that NPL, PDN, LDR, GCG, ROA and NIM, and CARhad no significant influence to bankruptcy of the bank.

Development and Validation of the Drinking Motive Questionnaire Revised Short Form (DMQ-R SF)

Science.gov (United States)

Kuntsche, Emmanuel; Kuntsche, Sandra

2009-01-01

A short form of the Drinking Motive Questionnaire Revised (DMQ-R; Cooper, 1994) was developed, using different item selection strategies based on a national representative sample of 5,617 12- to 18-year-old students in Switzerland. To confirm the concurrent validity of the short-form questionnaire, or DMQ-R SF, data from a second national sample…

E-Banking in Pakistan: Issues and Challenges

OpenAIRE

Syed Sheheryar Ali Kazmi; Muhammad Hashim

2015-01-01

Banking sectors are now moving to online banking services, which enable customers to get access to their accounts form their web enable computers to banking online system. The main purpose of this article is to describe the major issue and challenges in the development in online banking industry and also to show the application of electronic banking in Pakistan, through e-banking the banking sectors can reduce the operating cost and provide fast and more better services to their customers and...

Bank Activity and Funding Strategies : The Impact on Risk and Return

NARCIS (Netherlands)

Demirgüc-Kunt, A.; Huizinga, H.P.

2009-01-01

This paper examines the implications of bank activity and short-term funding strategies for bank risk and return using an international sample of 1334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases

An Item Bank for Abuse of Prescription Pain Medication from the Patient-Reported Outcomes Measurement Information System (PROMIS®).

Science.gov (United States)

Pilkonis, Paul A; Yu, Lan; Dodds, Nathan E; Johnston, Kelly L; Lawrence, Suzanne M; Hilton, Thomas F; Daley, Dennis C; Patkar, Ashwin A; McCarty, Dennis

2017-08-01

There is a need to monitor patients receiving prescription opioids to detect possible signs of abuse. To address this need, we developed and calibrated an item bank for severity of abuse of prescription pain medication as part of the Patient-Reported Outcomes Measurement Information System (PROMIS ® ). Comprehensive literature searches yielded an initial bank of 5,310 items relevant to substance use and abuse, including abuse of prescription pain medication, from over 80 unique instruments. After qualitative item analysis (i.e., focus groups, cognitive interviewing, expert review, and item revision), 25 items for abuse of prescribed pain medication were included in field testing. Items were written in a first-person, past-tense format, with a three-month time frame and five response options reflecting frequency or severity. The calibration sample included 448 respondents, 367 from the general population (ascertained through an internet panel) and 81 from community treatment programs participating in the National Drug Abuse Treatment Clinical Trials Network. A final bank of 22 items was calibrated using the two-parameter graded response model from item response theory. A seven-item static short form was also developed. The test information curve showed that the PROMIS ® item bank for abuse of prescription pain medication provided substantial information in a broad range of severity. The initial psychometric characteristics of the item bank support its use as a computerized adaptive test or short form, with either version providing a brief, precise, and efficient measure relevant to both clinical and community samples. © 2016 American Academy of Pain Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com

Human milk banking.

Science.gov (United States)

O'Hare, Esther Marie; Wood, Angela; Fiske, Elizabeth

2013-01-01

Forms of human milk banking and donation have been present for more than a century worldwide, but, since 1985, the Human Milk Banking Association of North America (HM BANA) has established guidelines to make the use of donor's breast milk safe and the second best form of feeding to maternal breast milk for a neonatal intensive care unit (NICU) infant. The Indiana Mother's Human Milk Bank provides an extensive and meticulous process of selecting breast milk donors. The process begins with a phone interview with a potential donor and includes the review of the donor's medical records, blood laboratory screening, medication and dietary intake, as well as consent from the donor's pediatrician. The milk bank follows steps of collecting, storing, and receiving the breast milk in accordance with the guidelines of the HM BANA. Pasteurization is the method used to ensure the proper heating and cooling of breast milk. Despite the rigorous pasteurization method, the donor's breast milk will not lose most of the important beneficial components needed for sick or ill NICU infants. Every batch of pasteurized breast milk will be cultured for any possible contamination and shipped to NICUs after it has been cleared by laboratory testing.

48 CFR 46.309 - Research and development contracts (short form).

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Research and development... REGULATION CONTRACT MANAGEMENT QUALITY ASSURANCE Contract Clauses 46.309 Research and development contracts... Development (Short Form), in solicitations and contracts for research and development when the clause...

The Short Term Effects of Fire Severity on Composition and Diversity of Soil Seed Bank in Zagros Forest Ecosystem, Servan County

Directory of Open Access Journals (Sweden)

M. Heydari

2014-12-01

Full Text Available In most ecosystems, disturbance is an important agent of variation in community structure and composition. Determining the diversity and composition of soil seed bank is essential for designing conservation and restoration programs because it can markedly contribute to future plant communities. Despite the important role of soil seed banks in the composition of different plant communities, and thus in their conservation, the floristic studies in Zagros forests have only focused on aboveground vegetation. In this study, the characteristics of soil seed banks were examined in three conditions after one year of fire high severity burned, low severity burned and control (not burned in Shirvanchardavol city in northeast of Ilam Province. The result of DCA showed that different fire severities and their effects on site conditions have been reflected clearly in the composition of the soil seed bank. The results also indicated that soil seed bank composition between control and high severity burned spots was specifically different. The shanon diversity, Margalef richness and evenness indices differed significantly between three treatments and the highest diversity was observed at low severity. In this regard the proportion of annual forbs tended to decrease with increasing severity of fire. In soil seed bank, Therophytes were the dominant life form of low severity burned and control spots and Hemichryptophytes were dominant in high severity burned spots.

Urban Cooperative Banks :At CrossRoads

OpenAIRE

Nagarajapillai, Ramu

2008-01-01

Urban Cooperative Bank in India, with their long history of over 100 years, play an important role in financial inclusion. The mainstay of these banks was rooted in their captive clientele the forms of shareholders, and also in some cases specific community or location. This shielded them from the competition from large commercial banks. Recently, Indian banking industry has witnessed failure of a large number of Urban Cooperative banks. What are the reasons for these failures and what lays a...

Considerations on the Role of Foreign Banks in the Improvement of Romanian Bank System’s Performance

Directory of Open Access Journals (Sweden)

Daniel Badulescu

2008-01-01

Full Text Available On the general background of restructuring and privatization processes in Romanian banking system, the presence of foreign capital recorded an increasingly trend after 1996, especially in the form of banks located in Romania. The foreign banks involved in Romania, especially multinational banks’ affiliates, proved to be remarkable about capital adequacy and profitability. All these developments are driven both by the access to cheaper resources from their parent bank or other banks in the group and by a more pronounced propensity to risk, as they are fully covered.

Short Forms of Wechsler Scales Assessing the Intellectually Gifted Children Using Simulation Data

Directory of Open Access Journals (Sweden)

Alexandre Aubry

2018-05-01

Full Text Available Intellectual giftedness is usually defined in terms of having a very high Intellectual Quotient (IQ. The intellectual capacity is assessed by a standardized test such as the Wechsler Intelligence Scale for Children (WISC. However, the identification of intellectually gifted children (IGC often remains time-consuming. A short-form WISC can be used as a screening instrument. The practitioners and researchers in this field can then make a more in-depth evaluation of the IGC's cognitive and socioemotional characteristics if needed. The aim of our study is thus to determine the best short tests, in terms of their psychometric qualities, for the identification of IGC. The current study is composed of three-step analyses. Firstly, we created nine IQs short forms (IQSF with 2-subtests, and nine IQSF with 4-subtests from the WISC-IV (Wechsler, 2005. Secondly, we estimated psychometric parameters (i.e., reliability and validity from empirical and simulated dataset with WISC-IV. The difference in the estimation of psychometric qualities of each IQSF from the simulated data is very close to those derived from empirical data. We thus selected the three best IQSF based on these psychometrics parameters estimated from simulated datasets. For each selected short form of the WISC-IV, we estimated the screening quality in our sample of IGC. Thirdly, we created IQSF with 2- and 4-subtests from the WISC-V (Wechsler, 2016 with simulated dataset. We then highlighted the three best short forms of WISC-V based on the estimated psychometric parameters. The results are interpreted in terms of validity, reliability and screening quality of IGC. In spite of the important changes in the WISC-V, our findings show that the 2-subtest form, Similitaries + Matrix Reasoning, and 4-subtest form, Similitaries + Vocabulary + Matrix Reasoning + Block Design, are the most efficient to identify the IGC at the two recent versions of Wechsler scales. Finally, we discuss the advantages

Trilogy of China's Banking

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

@@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

An empirical study for measure the relative performance of banking operations

Directory of Open Access Journals (Sweden)

Ali Akbar Aminbeidokhti

2012-04-01

Full Text Available Structure analysis plays an important role on increasing the efficiency of banking industry. A change in structure of business in this industry could change the profitability, significantly. The proposed study of this paper aims at structural analysis and comparative advantages for a governmental bank in a province of Semnan, Iran called Melli bank. The proposed study considers the effectiveness of four saving plans including current, loaned with no interest, short and long term based in three periods. It applies the change of location-share model, which includes provincial growth influence, structural growth and competitive growth as the determinant variables in saving rate. Findings indicate the disproportionate growth of saving rate in the Melli bank toward the other banks of the province in every 3 terms of the study. The research results show that short time saving in 2001 and 2004, loaned without interest and short term savings in 2001 and 2008, loaned without interest and long term savings in 2004 and 2008 had negative structural changes which indicate that the combination of discussed saving wasn’t desirable, but other savings benefits of desirable combination.

The Effects of Liquidity Regulation on Bank Assets and Liabilities

OpenAIRE

Patty Duijm; Peter Wierts

2014-01-01

Under Basel III rules, banks become subject to a liquidity coverage ratio (LCR) from 2015 onwards, to promote short-term resilience. We investigate the effects of such liquidity regulation on bank liquid assets and liabilities. Results indicate co-integration of liquid assets and liabilities, to maintain a minimum short-term liquidity buffer. Still, microprudential regulation has not prevented an aggregate liquidity cycle characterised by a pro-cyclical pattern in the size of balance sheets a...

[Development of a Japanese version of a short form of the Profile of Emotional Competence].

Science.gov (United States)

Nozaki, Yuki; Koyasu, Masuo

2015-06-01

Emotional competence refers to individual differences in the ability to appropriately identity, understand, express, regulate, and utilize one's own emotions and those of others. This study developed a Japanese version of a short form of the Profile of Emotional Competence, a measure that allows the comprehensive assessment of intra- and interpersonal emotional competence with shorter items, and investigated its reliability and validity. In Study 1, we selected items for a short version and compared it with the full scale in terms of scores, internal consistency, and validity. In Study 2, we examined the short form's test-retest reliability. Results supported the original two-factor model and the measure had adequate reliability and validity. We discuss the construct validity and practical applicability of the short form of the Profile of Emotional Competence.

Corporate governance : What’s special about banks?

NARCIS (Netherlands)

Laeven, L.

2013-01-01

This review surveys the literature on the corporate governance of banks. Traditional corporate governance mechanisms, such as concentrated ownership and takeover threats, in principle, also apply to banks. However, banks have special traits and are heavily regulated, preventing natural forms of

Banking system reform, earnings quality and credit allocation

Directory of Open Access Journals (Sweden)

Xiuli Zhu

2012-09-01

Full Text Available This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in state-owned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-state-owned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime.

48 CFR 52.249-1 - Termination for Convenience of the Government (Fixed-Price) (Short Form).

Science.gov (United States)

2010-10-01

... Convenience of the Government (Fixed-Price) (Short Form). 52.249-1 Section 52.249-1 Federal Acquisition... CONTRACT CLAUSES Text of Provisions and Clauses 52.249-1 Termination for Convenience of the Government... Convenience of the Government (Fixed-Price) (Short Form) (APR 1984) The Contracting Officer, by written notice...

12 CFR 569.2 - Form of proxies.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Form of proxies. 569.2 Section 569.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PROXIES § 569.2 Form of proxies. Every form of proxy shall conform to the following requirements: (a) The proxy shall be revocable at will by...

FAKTOR-FAKTOR YANG MEMPENGARUHI LOAN TO DEPOSIT RATIO (LDR BANK UMUM DI INDONESIA

Directory of Open Access Journals (Sweden)

Martha Novalina Ambaroita

2017-06-01

Full Text Available Loan to Deposit Ratio kredit belum menunjukan optimalisasi sesuai dengan peraturan Bank Indonesia yaitu berkisar 85%-110%. Penelitian ini bertujuan untuk mendiskripsikan DPK, CAR, dan NPL, dan menganalisis bagaimana pengaruh CAR, DPK, NPL, terhadap LDR dalam jangka pendek dan jangka panjang bank umum di Indonesia. Data yang digunakan adalah time series berdasarkan bulanan tahun 2009-2013 yang diperoleh dari Bank Indonesia dan Otoritas jasa keuangan (OJK. Metode analisis yang digunakan adalah Error Corection Model (ECM dan menggunakan uji asumsi klasik. Hasil dalam jangka panjang CAR tidak berpengaruh terhadap LDR, dalam jangka pendek CAR berpengaruh positif terhadap LDR bank umum di Indonesia, dalam jangka panjang DPK berpengaruh positif terhadap LDR dan dalam jangka pendek DPK tidak berpengaruh terhadap LDR bank umum di Indonesia, dalam jangka panjang NPL berpengaruh negatif terhadap LDR dan dalam jangka pendek NPL berpengaruh positif terhadap LDR. Saran untuk DPK diusahakan semaksimal mungkin. Berbagai inovasi terus dimunculkan dan berbagai strategi dimunculkan agar DPK yang efektif dan agar dalam jangka pendek dan jangka panjang dapat lebih maksimal sehingga tidak ada hambatan.  Loan to deposit ratio not show that the optimization of credit in accordance with the bank indonesia but range 85 % -110 % . This study attempts to mendiskripsikan dpk , car , and non-performing loans of the , and analyze how the influence of car , dpk , non-performing loans of the , against ldr in the short term and longer term commercial banks in indonesia . The data used was based on time series monthly koni year obtained from bank indonesia and the authority of financial services ( ojk . In the long run this results not affect the ldr, on this positive effect on short-term ldr commercial banks in indonesia; the positive effect on long-term deposits ldr in short-term deposits do not affect the ldr commercial banks in indonesia; in its negative effects towards long

The anatomy of bank performance during transition: A separate efficient frontier analysis of Ukrainian banks

Directory of Open Access Journals (Sweden)

Ihsan Isik

2016-04-01

Full Text Available By drawing on Ukrainian experience, this paper analyzes the anatomy of bank efficiency in a transitional economy. Acknowledging the vast disparities in the business technology of different size banks, in this comprehensive study, we innovatively estimate group-specific (distinct frontiers for small, medium, and large size banks. The results from separate frontiers reveal that Ukrainian banks record 38% technical inefficiency, 26% pure technical inefficiency, and 17% scale inefficiency on average. Apparently, banks in transition waste about the two fifths of their factor inputs during the production of financial services. The cardinal source of sub-performance in transitional banks seems to be managerial inefficiencies. We also found that banks operating in areas with more political influence and more developed infrastructure outperform the banks operating in politically and economically weaker regions. The results also indicate that larger banks, enjoying public trust in a risky business climate, dominate smaller banks in all forms of efficiency. However, such bias for size causes large banks to suffer from decreasing returns to scale and small banks from idle capacity. Consequently, the policies promoting consolidation between small and large banks may alleviate the excess (idle capacity for large (small banks in a transitional economy.

Developing Modernization Strategy for CORE Banking Systems among Iran’s Commercial Banks (Case Study: One of the Commercial Banks of Iran

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

Full Text Available After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.

Short forms of the Texas Social Behavior Inventory /TSBI/, an objective measure of self-esteem

Science.gov (United States)

Helmreich, R.; Stapp, J.

1974-01-01

Two short (16 item) forms of the Helmreich, Stapp, and Ervin (1974) Texas Social Behavior Inventory, a validated, objective measure of self-esteem or social competence are presented. Normative data and other statistics are described for males and females. Correlations between each short form and long (32-item) scale were .97. Factor analysis and part-whole correlations verified the similarity of the two forms. The utility of the scale in research is described.

The Social Interaction Anxiety Scale (SIAS) and the Social Phobia Scale (SPS): a comparison of two short-form versions.

Science.gov (United States)

Fergus, Thomas A; Valentiner, David P; Kim, Hyun-Soo; McGrath, Patrick B

2014-12-01

The widespread use of Mattick and Clarke's (1998) Social Interaction Anxiety Scale (SIAS) and Social Phobia Scale (SPS) led 2 independent groups of researchers to develop short forms of these measures (Fergus, Valentiner, McGrath, Gier-Lonsway, & Kim, 2012; Peters, Sunderland, Andrews, Rapee, & Mattick, 2012). This 3-part study examined the psychometric properties of Fergus et al.'s and Peters et al.'s short forms of the SIAS and SPS using an American nonclinical adolescent sample in Study 1 (N = 98), American patient sample with an anxiety disorder in Study 2 (N = 117), and both a South Korean college student sample (N = 341) and an American college student sample (N = 550) in Study 3. Scores on both sets of short forms evidenced adequate internal consistency, interitem correlations, and measurement invariance. Scores on Fergus et al.'s short forms, particularly their SIAS short form, tended to capture more unique variance in scores of criterion measures than did scores on Peters et al.'s short forms. Implications for the use of these 2 sets of short forms are discussed. (c) 2014 APA, all rights reserved.

Tailor-made blanks for the aircraft industry

NARCIS (Netherlands)

Zad Poor, A.A.

2010-01-01

Tailor-Made Blanks (TMBs) are hybrid assemblies made of sheet metals with different materials and/or thicknesses that are joined together prior to forming. Alternatively, a monolithic sheet can be machined to create required thickness variations (machined TMBs). The possibility of having several

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

This paper is an introduction to the NEA data bank. The essential programs and data for nuclear energy calculations are available from the Data Bank. The Data Bank's role, in co-operation with other centers, is to protect the technological capital represented by the programs and data in its collection, which is unique in covering nearly the whole field of reactor physics at a single center (Saclay). The compilation and exchange of experimental and evaluated neutron and other nuclear data is carried out through a world-wide information network. The tasks now assigned to the Data Bank are in the areas of computer program packaging, neutron data compilation, assembly and benchmark testing of the Joint Evaluated File (JEF) of neutron cross-section data, and servicing the NEA scientific committees, as well as providing a computer service to the main NEA secretariat. In all areas the emphasis is on developing a ''value added'' element to the incoming data or computer codes, by validation documentation and presentation of information in a convenient standard form. The services offered by the Data Bank and the computers used by the Data Bank are presented

Short-sale Constraints and Credit Runs

DEFF Research Database (Denmark)

Venter, Gyuri

), creditors with high private signals are more lenient to roll over debt, and a bank with lower asset quality remains solvent. This leads to higher allocative efficiency in the real economy. My result thus implies that the decrease in average informativeness due to short-sale constraints can be more than......This paper studies how short-sale constraints affect the informational efficiency of market prices and the link between prices and economic activity. I show that under short-sale constraints security prices contain less information. However, short-sale constraints increase the informativeness...... the price of an asset the bank holds. I show that short-selling constraints in the financial market lead to the revival of self-fulfilling beliefs about the beliefs and actions of others, and create multiple equilibria. In the equilibrium where agents rely more on public information (i.e., the price...

Development of a Short Form of the Five-Factor Narcissism Inventory: the FFNI-SF.

Science.gov (United States)

Sherman, Emily D; Miller, Joshua D; Few, Lauren R; Campbell, W Keith; Widiger, Thomas A; Crego, Cristina; Lynam, Donald R

2015-09-01

The Five-Factor Narcissism Inventory (FFNI; Glover, Miller, Lynam, Crego, & Widiger, 2012) is a 148-item self-report inventory of 15 traits designed to assess the basic elements of narcissism from the perspective of a 5-factor model. The FFNI assesses both vulnerable (i.e., cynicism/distrust, need for admiration, reactive anger, and shame) and grandiose (i.e., acclaim seeking, arrogance, authoritativeness, entitlement, exhibitionism, exploitativeness, grandiose fantasies, indifference, lack of empathy, manipulativeness, and thrill seeking) variants of narcissism. The present study reports the development of a short-form version of the FFNI in 4 diverse samples (i.e., 2 undergraduate samples, a sample recruited from MTurk, and a clinical community sample) using item response theory. The validity of the resultant 60-item short form was compared against the validity of the full scale in the 4 samples at both the subscale level and the level of the grandiose and vulnerable composites. Results indicated that the 15 subscales remain relatively reliable, possess a factor structure identical to the structure of the long-form scales, and manifest correlational profiles highly similar to those of the long-form scales in relation to a variety of criterion measures, including basic personality dimensions, other measures of grandiose and vulnerable narcissism, and indicators of externalizing and internalizing psychopathology. Grandiose and vulnerable composites also behave almost identically across the short- and long-form versions. It is concluded that the FFNI-Short Form (FFNI-SF) offers a well-articulated assessment of the basic traits comprising grandiose and vulnerable narcissism, particularly when assessment time is limited. (c) 2015 APA, all rights reserved.

A short form of the neonatal intensive care unit family needs inventory

Directory of Open Access Journals (Sweden)

Elisabete Alves

2016-02-01

Full Text Available ABSTRACT OBJECTIVE: The identification of parental needs in Neonatal Intensive Care Units is essential to design and implement family-centered care. This article aims to validate the Neonatal Intensive Care Units Family Needs Inventory for the Portuguese population, and to propose a Short Form. METHODS: A linguistic adaptation of the Neonatal Intensive Care Units Family Needs Inventory, a self-report scale with 56-items, was performed. The instrument was administered to 211 parents of infants hospitalized in all level III Neonatal Intensive Care Units in the North of Portugal, 15-22 days after admission (July of 2013-June of 2014. The number of items needed to achieve reliability close to 0.8 was calculated using by the Spearman-Brown formula. The global goodness of fit of the scale was evaluated using the comparative fit index. Construct validity was assessed through association of each dimension score with socio-demographic and obstetric characteristics. RESULTS: Exploratory factor analysis revealed two dimensions, one focused on parents' needs and another on the infant's needs. To compose the Short Form Inventory, items with ceiling effect were eliminated and 22 items were submitted to confirmatory analysis, which supported the existence of two dimensions (CFI = 0.925. The Short Form showed a high degree of reliability (alpha ≥ 0.76. Less educated and older parents more frequently attributed a significantly higher importance to parent-centered needs, while parents of multiples revealed a tendency to value infant-centered needs. CONCLUSIONS: The Short Form of the Neonatal Intensive Care Units Family Needs Inventory is a brief, simple, and valid instrument with a high degree of reliability. Further studies are needed to explore associations with practices of family-centered care.

Tissue banking in a regional hospital: a promising future concept? First report on fresh frozen tissue banking in a hospital without an integrated institute of pathology.

Science.gov (United States)

von Strauss und Torney, Marco; Güller, Ulrich; Rezaeian, Farid; Brosi, Philippe; Terracciano, Luigi; Zuber, Markus

2012-10-01

Vital tissue provided by fresh frozen tissue banking is often required for genetic tumor profiling and tailored therapies. However, the potential patient benefits of fresh frozen tissue banking are currently limited to university hospitals. The objective of the present pilot study--the first one in the literature--was to evaluate whether fresh frozen tissue banking is feasible in a regional hospital without an integrated institute of pathology. Patients with resectable breast and colon cancer were included in this prospective study. Both malignant and healthy tissue were sampled using isopentan-based snap-freezing 1 h after tumor resection and stored at -80 °C before transfer to the main tissue bank of a University institute of pathology. The initial costs to set up tissue banking were 35,662 US$. Furthermore, the running costs are 1,250 US$ yearly. During the first 13 months, 43 samples (nine samples of breast cancer and 34 samples of colon cancer) were collected from 41 patients. Based on the pathology reports, there was no interference with standard histopathologic analyses due to the sample collection. This is the first report in the literature providing evidence that tissue banking in a regional hospital without an integrated institute of pathology is feasible. The interesting findings of the present pilot study must be confirmed by larger investigations.

CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

Directory of Open Access Journals (Sweden)

V. E. Gladkova

2011-01-01

Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.

Emotional Intelligence and Nurse Recruitment: Rasch and confirmatory factor analysis of the trait emotional intelligence questionnaire short form.

Science.gov (United States)

Snowden, Austyn; Watson, Roger; Stenhouse, Rosie; Hale, Claire

2015-12-01

To examine the construct validity of the Trait Emotional Intelligence Questionnaire Short form. Emotional intelligence involves the identification and regulation of our own emotions and the emotions of others. It is therefore a potentially useful construct in the investigation of recruitment and retention in nursing and many questionnaires have been constructed to measure it. Secondary analysis of existing dataset of responses to Trait Emotional Intelligence Questionnaire Short form using concurrent application of Rasch analysis and confirmatory factor analysis. First year undergraduate nursing and computing students completed Trait Emotional Intelligence Questionnaire-Short Form in September 2013. Responses were analysed by synthesising results of Rasch analysis and confirmatory factor analysis. Participants (N = 938) completed Trait Emotional Intelligence Questionnaire Short form. Rasch analysis showed the majority of the Trait Emotional Intelligence Questionnaire-Short Form items made a unique contribution to the latent trait of emotional intelligence. Five items did not fit the model and differential item functioning (gender) accounted for this misfit. Confirmatory factor analysis revealed a four-factor structure consisting of: self-confidence, empathy, uncertainty and social connection. All five misfitting items from the Rasch analysis belonged to the 'social connection' factor. The concurrent use of Rasch and factor analysis allowed for novel interpretation of Trait Emotional Intelligence Questionnaire Short form. Much of the response variation in Trait Emotional Intelligence Questionnaire Short form can be accounted for by the social connection factor. Implications for practice are discussed. © 2015 John Wiley & Sons Ltd.

Corporate governance and control in Russian banks

OpenAIRE

Vernikov, Andrei

2007-01-01

The Working Paper examines peculiarities of the Russian model of corporate governance and control in the banking sector. The study relies upon theoretical as well as applied research of corporate governance in Russian commercial banks featuring different forms of ownership. We focus on real interests of all stakeholders, namely bank and stock market regulators, bank owners, investors, top managers and other insiders. The Anglo-American concept of corporate governance, based on agency theor...

Bank Organizational Structure Choice Dilemma. Case of PKO BP

Directory of Open Access Journals (Sweden)

Adam Szafarczyk

2008-06-01

Full Text Available Organizational structures are differing for different banks. They depend on individual bank economic situation, its technology, strategy and form of competition struggle. Usually the biggest EU banks are consists from formally or really independent divisions. The most common divisions are Retail Banking, Corporate Banking, Treasury and Investment, sometimes Insurance. PKO BP, the biggest Polish Bank, ought to change its structure due to implementation new IT system.

Taming a Wandering Attention: Short-Form Mindfulness Training in Student Cohorts

Directory of Open Access Journals (Sweden)

Alexandra B. Morrison

2014-01-01

Full Text Available Mindfulness training (MT is a form of mental training in which individuals engage in exercises to cultivate an attentive, present centered, and non-reactive mental mode. The present study examines the putative benefits of MT in University students for whom mind wandering can interfere with learning and academic success. We tested the hypothesis that short-form MT (7 hours over 7 weeks contextualized for the challenges and concerns of University students may reduce mind wandering and improve working memory. Performance on the sustained attention response task (SART and two working memory tasks (operation span, delayed-recognition with distracters was indexed in participants assigned to a waitlist control group or the MT course. Results demonstrated MT-related benefits in SART performance. Relative to the control group, MT participants had higher task accuracy and self-reported being more on-task after the 7-week training period. MT did not significantly benefit the operation span task or accuracy on the delayed-recognition task. Together these results suggest that while short-form MT did not bolster working memory task performance, it may help curb mind wandering and should, therefore, be further investigated for its use in academic contexts.

Mobile operators as banks or vice-versa? and: the challenges of Mobile channels for banks

NARCIS (Netherlands)

L-F. Pau (Louis-François)

2004-01-01

textabstractThis short paper addresses the strategic challenges of deposit banks, and payment clearinghouses, posed by the growing role of mobile operators as collectors and payment agents of flow of cash for themselves and third parties. Through analysis and data analysis from selected operators ,

Process Design of Aluminum Tailor Heat Treated Blanks

Directory of Open Access Journals (Sweden)

Alexander Kahrimanidis

2015-12-01

Full Text Available In many industrials field, especially in the automotive sector, there is a trend toward lightweight constructions in order to reduce the weight and thereby the CO2 and NOx emissions of the products. An auspicious approach within this context is the substitution of conventional deep drawing steel by precipitation hardenable aluminum alloys. However, based on the low formability, the application for complex stamping parts is challenging. Therefore, at the Institute of Manufacturing Technology, an innovative technology to enhance the forming limit of these lightweight materials was invented. The key idea of the so-called Tailor Heat Treated Blanks (THTB is optimization of the mechanical properties by local heat treatment before the forming operation. An accurate description of material properties is crucial to predict the forming behavior of tailor heat treated blanks by simulation. Therefore, within in this research project, a holistic approach for the design of the THTB process in dependency of the main influencing parameters is presented and discussed in detail. The capability of the approach for the process development of complex forming operations is demonstrated by a comparison of local blank thickness of a tailgate with the corresponding results from simulation.

Bank activity and funding strategies : the impact on risk and returns

OpenAIRE

Demirguc-Kunt, Asli; Huizinga, Harry

2009-01-01

This paper examines the implications of bank activity and short-term funding strategies for bank risk and returns using an international sample of 1,334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very lo...

An experimental comparison of conventional two-bank and novel four-bank dynamic MLC tracking

International Nuclear Information System (INIS)

Davies, G A; Clowes, P; McQuaid, D; Evans, P M; Webb, S; Poludniowski, G

2013-01-01

The AccuLeaf mMLC featuring four multileaf-collimator (MLC) banks has been used for the first time for an experimental comparison of conventional two-bank with novel four-bank dynamic MLC tracking of a two-dimensional sinusoidal respiratory motion. This comparison was performed for a square aperture, and for three conformal treatment apertures from clinical radiotherapy lung cancer patients. The system latency of this prototype tracking system was evaluated and found to be 1.0 s and the frequency at which MLC positions could be updated, 1 Hz, and therefore accurate MLC tracking of irregular patient motion would be difficult with the system in its current form. The MLC leaf velocity required for two-bank-MLC and four-bank-MLC tracking was evaluated for the apertures studied and a substantial decrease was found in the maximum MLC velocity required when four-banks were used for tracking rather than two. A dosimetric comparison of the two techniques was also performed and minimal difference was found between two-bank-MLC and four-bank-MLC tracking. The use of four MLC banks for dynamic MLC tracking is shown to be potentially advantageous for increasing the delivery efficiency compared with two-bank-MLC tracking where difficulties are encountered if large leaf shifts are required to track motion perpendicular to the direction of leaf travel. (paper)

Improving the measurement of health-related quality of life in adolescent with idiopathic scoliosis: the SRS-7, a Rasch-developed short form of the SRS-22 questionnaire.

Science.gov (United States)

Caronni, Antonio; Zaina, Fabio; Negrini, Stefano

2014-04-01

Scoliosis Research Society-22 (SRS-22) questionnaire was developed to evaluate health-related quality of life (HRQL) in adolescent idiopathic scoliosis (AIS) patients. Rasch analysis (RA) is a statistical procedure which turns questionnaire ordinal scores into interval measures. Measures from Rasch-compatible questionnaires can be used, similar to body temperature or blood pressure, to quantify disease severity progression and treatment efficacy. Purpose of the current work is to present Rasch analysis (RA) of the SRS-22 questionnaire and to develop an SRS-22 Rasch-approved short form. 300 SRS-22 were randomly collected from 2447 consecutive IS adolescents at their first evaluation (229 females; 13.9 ± 1.9 years; 26.9 ± 14.7 Cobb°) in a scoliosis outpatient clinic. RA showed both disordered thresholds and overall misfit of the SRS-22. Sixteen items were re-scored and two misfitting items (6 and 14) removed to obtain a Rasch-compatible questionnaire. Participants HRQL measured too high with the rearranged questionnaire, indicating a severe SRS-22 ceiling effect. RA also highlighted SRS-22 multidimensionality, with pain/function not merging with self-image/mental health items. Item 3 showed differential item functioning (DIF) for both curve and hump amplitude. A 7-item questionnaire (SRS-7) was prepared by selecting single items from the original SRS-22. SRS-7 showed fit to the model, unidimensionality and no DIF. Compared with the SRS-22, the short form scale shows better targeting of the participants' population. RA shows that SRS-22 has poor clinimetric properties; moreover, when used with AIS at first evaluation, SRS-22 is affected by a severe ceiling effect. SRS-7, an SRS-22 7-item short form questionnaire, provides an HRQL interval measure better tailored to these participants. Copyright © 2014 Elsevier Ltd. All rights reserved.

Tailoring of mobility advices to consumers. Executive summary; Tailoring van mobiliteitsadviezen aan consumenten. Managementsamenvatting

Energy Technology Data Exchange (ETDEWEB)

De Weerdt, I.; Jonkers, R. [ResCon, Haarlem (Netherlands)

2003-09-01

An outline is given of the options to apply so-called computer tailoring in the field of mobility. A feasibility study has been carried out for the realization of a computerized tailored mobility programme. Tailoring is a method, based on social-scientific theories on behavioral change, by means of which information is tailored to individual circumstances, preferences and motivation. [Dutch] De mogelijkheden van computer tailoring (tailoring is een methodiek die gebaseerd is op sociaal-wetenschappelijke theorieen over gedragsverandering, waarbij de aangeboden informatie is afgestemd op individuele omstandigheden, preferenties en motivaties) op het gebied van mobiliteit worden verkend. Er is een haalbaarheidsonderzoek uitgevoerd ter voorbereiding op de realisatie van een computer tailored mobiliteitsprogramma. In dit onderzoek is nagegaan: of consumenten belangstelling hebben voor informatie op maat over mobiliteit; waar consumenten zelf de meeste mogelijkheden zien om hun mobiliteitspatroon te veranderen (en dus meer duurzame mobiliteitsopties toe te passen); hoe het gedrag van consumenten m.b.t. mobiliteit d.m.v. een tailoring systeem gericht beinvloed kan worden; of er organisaties te vinden zijn die de exploitatie van een tailoring systeem m.b.t. mobiliteit op zich zouden willen nemen; of de ontwikkeling van een dergelijk systeem kosten effectief kan zijn.

Banking Accounting Practices “Humanist” (P.31-38

Directory of Open Access Journals (Sweden)

Nanang Shonhadji

2017-02-01

Full Text Available Humanism is a universal value that should be attached to all forms and operational activities of the bank because the bank’s main business is to provide service to humanity. The purpose of this study was to determine the humanist banking practice. The use of qualitative methods with a phenomenological approach that involve an account officer and marketing staff as key informants. In-depth interviews conducted to obtain comprehensive information. The results of the study informs that the banking practice in the lending and the funding activities were still oriented to material interests or to achieve maximum profit with unbalanced position. It caused the values of humanism in the form of truth and equitable negated by bank stakeholder. The results of this study also found that there are two forms of awareness is needed in the value of accountability in the process of funding and lending activities to customers humanistic were the awareness of responsibility to themselves and to God. Keywords: Humanism, Bank accounting, Phenomenology,Qualitative

Cross-cultural adaptation of the US consumer form of the short Primary Care Assessment Tool (PCAT): the Korean consumer form of the short PCAT (KC PCAT) and the Korean standard form of the short PCAT (KS PCAT).

Science.gov (United States)

Jeon, Ki-Yeob

2011-01-01

It is well known that countries with well-structured primary care have better health outcomes, better health equity and reduced healthcare costs. This study aimed to culturally modify and validate the US consumer form of the short Primary Care Assessment Tool (PCAT) in primary care in the Republic of Korea (hereafter referred to as Korea). The Korean consumer form of the short PCAT (KC PCAT) was cross-culturally modified from the original version using a standardised transcultural adaptation method. A pre-test version of the KC PCAT was formulated by replacement of four items and modification of a further four items from the 37 items of the original consumer form of the short PCAT at face value evaluation meetings. Pilot testing was done with a convenience sample of 15 responders at two different sites. Test-retest showed high reliability. To validate the KC PCAT, 606 clients participated in a survey carried out in Korea between February and May 2006. Internal consistency reliability, test-retest reliability and factor analysis were conducted in order to test validity. Psychometric testing was carried out on 37 items of the KC PCAT to make the KS PCAT which has 30 items and has seven principal domains: first contact utilisation, first contact accessibility, ongoing accountable care (ongoing care and coordinated rapport care), integrated care (patient-centred care with integration between primary and specialty care or between different specialties), comprehensive care, community-oriented care and culturally-oriented care. Component factors of the verified KS PCAT explained 58.28% of the total variance in the total item scores of primary care. The verified KS PCAT has been characterised by the seven classic domains of primary care with minor modifications. This may provide clues concerning differences in expectations for primary care in the Korean population as compared with that of the US. The KS PCAT is a reliable and valid tool for the evaluation of the quality of

Competitive implications of cross-border banking

OpenAIRE

Claessens, Stijn

2006-01-01

This paper reviews the recent literature on cross-border banking, with a focus on policy implications. Cross-border banking has increased sharply in recent decades, particularly in the form of entry, and has affected the development of financial systems, access to financial services, and stability. Reviewing the empirical literature, the author finds much, although not uniform, evidence that cross-border banking supports the development of an efficient and stable financial system that offers ...

Controversies in hybrid banking: attitudes of Swiss public umbilical cord blood donors toward private and public banking.

Science.gov (United States)

Manegold, Gwendolin; Meyer-Monard, Sandrine; Tichelli, André; Granado, Christina; Hösli, Irene; Troeger, Carolyn

2011-07-01

Umbilical cord blood (UCB) stored in public inventories has become an alternative stem cell source for allogeneic stem cell transplantation. The potential use of autologous UCB from private banks is a matter of debate. In the face of the limited resources of public inventories, a discussion on "hybrid" public and private UCB banking has evolved. We aimed to explore the attitudes of the donating parents toward public and private UCB banking. A standardized, anonymous questionnaire was sent to the most recent 621 public UCB donors including items regarding satisfaction with recruitment process, the need for a second consent before release of the UCB unit for stem cell transplantation, and the donors' views on public and private UCB banking. Furthermore, we asked about their views on UCB research. Of the questionnaires, 48% were returned, and 16% were lost due to mail contact. Of our donors, 95% would donate to the public bank again. As much as 35% of them were convinced that public banking was useful. Whereas 27% had never heard about private UCB banking, 34% discussed both options. Nearly 70% of donors opted for public banking due to altruism and the high costs of private banking. Of our public UCB donors, 81% stated that they did not need a re-consent before UCB release for stem cell transplantation. In case of sample rejection, 53.5% wanted to know details about the particular research project. A total of 9% would not consent. Almost all donors would choose public banking again due to altruism and the high costs of private banking. Shortly after donation, mail contact with former UCB donors was difficult. This might be a relevant issue in any sequential hybrid banking.

Earnings and bank profitability in Nigeria

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2016-12-01

Full Text Available Bank earnings in form of retained profit help in the capital formation of banks. This is critical because capital inadequacy is often a cause of bank failures. During the banking crisis in Nigeria the gross earnings of many banks diminished considerably due to frauds and bad management. For example, in 2009 the Central Bank of Nigeria revoked the operating licences of fourteen banks which had huge nonperforming loans and were making losses. The fragility in the Nigerian banking system in the 1990s and beyond was compounded due to wide spread poor corporate governance practices and imprudent lending that led to the erosion of gross earnings and profitability. The study employed the exploratory research design. Data analyses were done through description statistics and the regression technique using the statistical package for the social sciences. The regression result was Y = 4.926 + 1.877x meaning that with an increase of 1 percent in gross earnings bank profitability increases by 1.88 percent. This is the crux of the study.

A short form of the neonatal intensive care unit family needs inventory

Directory of Open Access Journals (Sweden)

Elisabete Alves

2016-01-01

Conclusions: The Short Form of the NICU Family Needs Inventory is a brief, simple, and valid instrument with a high degree of reliability. Further studies are needed to explore associations with practices of family‐centered care.

Genetic deletion of melanin-concentrating hormone neurons impairs hippocampal short-term synaptic plasticity and hippocampal-dependent forms of short-term memory.

Science.gov (United States)

Le Barillier, Léa; Léger, Lucienne; Luppi, Pierre-Hervé; Fort, Patrice; Malleret, Gaël; Salin, Paul-Antoine

2015-11-01

The cognitive role of melanin-concentrating hormone (MCH) neurons, a neuronal population located in the mammalian postero-lateral hypothalamus sending projections to all cortical areas, remains poorly understood. Mainly activated during paradoxical sleep (PS), MCH neurons have been implicated in sleep regulation. The genetic deletion of the only known MCH receptor in rodent leads to an impairment of hippocampal dependent forms of memory and to an alteration of hippocampal long-term synaptic plasticity. By using MCH/ataxin3 mice, a genetic model characterized by a selective deletion of MCH neurons in the adult, we investigated the role of MCH neurons in hippocampal synaptic plasticity and hippocampal-dependent forms of memory. MCH/ataxin3 mice exhibited a deficit in the early part of both long-term potentiation and depression in the CA1 area of the hippocampus. Post-tetanic potentiation (PTP) was diminished while synaptic depression induced by repetitive stimulation was enhanced suggesting an alteration of pre-synaptic forms of short-term plasticity in these mice. Behaviorally, MCH/ataxin3 mice spent more time and showed a higher level of hesitation as compared to their controls in performing a short-term memory T-maze task, displayed retardation in acquiring a reference memory task in a Morris water maze, and showed a habituation deficit in an open field task. Deletion of MCH neurons could thus alter spatial short-term memory by impairing short-term plasticity in the hippocampus. Altogether, these findings could provide a cellular mechanism by which PS may facilitate memory encoding. Via MCH neuron activation, PS could prepare the day's learning by increasing and modulating short-term synaptic plasticity in the hippocampus. © 2015 Wiley Periodicals, Inc.

Transformation of the Polish Banking Sector

Directory of Open Access Journals (Sweden)

Marek Stefański

2009-07-01

Full Text Available In the post-war period the banking system in Poland underwent two important system transitions: after 1946 and after 1989. The third transformation began after May 1, 2004, but it did not have a systemic character. The Polish banking sector started to operate on the Single European Market. The first part of the paper is devoted to the problems of the banks transformations after 1989 with a special focus on the quantitative development of banks in 19892008, and on subsequent privatisation and consolidation processes. The former intensified in 19891999, and the latter in 19992002. The consolidation process was very noticeable in the sector of cooperative banks after 1994. The second part of the paper includes an economic and financial analysis of the banks. A lot of attention was paid to the liquidity of the banking sector. It was assessed as good, which was confirmed by a short-term rating of Moodys and by the Financial Stability Report 2009, published by the National Bank of Poland in June 2009. The comparison of the net profit of the banking sector in 19972008 shows its dependence on the economic situation and policy. The number of banks with capital adequacy ratio well above the minimum required by the banking supervision is rising. The financial power ratings are not favorable for the domestic banks. The third part of the paper focuses on the development directions of the Polish banking sector. It may be concluded on the basis of the analysis that privatisation and consolidation processes will be continued. They will concentrate on the capital of foreign banks already operating in Poland. As compared with individual foreign banks, the potential of the Polish banking sector is week. The fourth part of the paper focuses on the presentation Polish banking sector in the context of European Union banking sector. The paper finishes with conclusions. Generally, Polish banks have to implement a strategy to enable them to compete on the Single

Empirical versus Random Item Selection in the Design of Intelligence Test Short Forms--The WISC-R Example.

Science.gov (United States)

Goh, David S.

1979-01-01

The advantages of using psychometric thoery to design short forms of intelligence tests are demonstrated by comparing such usage to a systematic random procedure that has previously been used. The Wechsler Intelligence Scale for Children Revised (WISC-R) Short Form is presented as an example. (JKS)

Translation and cross-cultural adaptation of the Brazilian Portuguese version of the Driving Anger Scale (DAS: long form and short form

Directory of Open Access Journals (Sweden)

Jessye Almeida Cantini

2015-03-01

Full Text Available Introduction: Driving anger has attracted the attention of researchers in recent years because it may induce individuals to drive aggressively or adopt risk behaviors. The Driving Anger Scale (DAS was designed to evaluate the propensity of drivers to become angry or aggressive while driving. This study describes the cross-cultural adaptation of a Brazilian version of the short form and the long form of the DAS.Methods: Translation and adaptation were made in four steps: two translations and two back-translations carried out by independent evaluators; the development of a brief version by four bilingual experts in mental health and driving behaviors; a subsequent experimental application; and, finally, an investigation of operational equivalence.Results: Final Brazilian versions of the short form and of the long form of the DAS were made and are presented. Conclusions: This important instrument, which assesses driving anger and aggressive behaviors, is now available to evaluate the driving behaviors of the Brazilian population, which facilitates research in this field.

Internal consistency of a Spanish translation of the Francis Scale of Attitude Toward Christianity Short Form.

Science.gov (United States)

Campo-Arias, Adalberto; Oviedo, Heidi Celina; Díaz, Carmen Elena; Cogollo, Zuleima

2006-12-01

This study evaluated the internal consistency of a Spanish version of the short form of the Francis Scale of Attitude Toward Christianity based on responses of 405 Colombian adolescent students ages 13 to 17 years. This translated short-form version of the scale had an internal consistency of .80. This estimate indicates suitable internal consistency reliability for research use in this population.

Development and validation of an item response theory-based Social Responsiveness Scale short form.

Science.gov (United States)

Sturm, Alexandra; Kuhfeld, Megan; Kasari, Connie; McCracken, James T

2017-09-01

Research and practice in autism spectrum disorder (ASD) rely on quantitative measures, such as the Social Responsiveness Scale (SRS), for characterization and diagnosis. Like many ASD diagnostic measures, SRS scores are influenced by factors unrelated to ASD core features. This study further interrogates the psychometric properties of the SRS using item response theory (IRT), and demonstrates a strategy to create a psychometrically sound short form by applying IRT results. Social Responsiveness Scale analyses were conducted on a large sample (N = 21,426) of youth from four ASD databases. Items were subjected to item factor analyses and evaluation of item bias by gender, age, expressive language level, behavior problems, and nonverbal IQ. Item selection based on item psychometric properties, DIF analyses, and substantive validity produced a reduced item SRS short form that was unidimensional in structure, highly reliable (α = .96), and free of gender, age, expressive language, behavior problems, and nonverbal IQ influence. The short form also showed strong relationships with established measures of autism symptom severity (ADOS, ADI-R, Vineland). Degree of association between all measures varied as a function of expressive language. Results identified specific SRS items that are more vulnerable to non-ASD-related traits. The resultant 16-item SRS short form may possess superior psychometric properties compared to the original scale and emerge as a more precise measure of ASD core symptom severity, facilitating research and practice. Future research using IRT is needed to further refine existing measures of autism symptomatology. © 2017 Association for Child and Adolescent Mental Health.

Calibration of the Dutch-Flemish PROMIS Pain Behavior item bank in patients with chronic pain.

Science.gov (United States)

Crins, M H P; Roorda, L D; Smits, N; de Vet, H C W; Westhovens, R; Cella, D; Cook, K F; Revicki, D; van Leeuwen, J; Boers, M; Dekker, J; Terwee, C B

2016-02-01

The aims of the current study were to calibrate the item parameters of the Dutch-Flemish PROMIS Pain Behavior item bank using a sample of Dutch patients with chronic pain and to evaluate cross-cultural validity between the Dutch-Flemish and the US PROMIS Pain Behavior item banks. Furthermore, reliability and construct validity of the Dutch-Flemish PROMIS Pain Behavior item bank were evaluated. The 39 items in the bank were completed by 1042 Dutch patients with chronic pain. To evaluate unidimensionality, a one-factor confirmatory factor analysis (CFA) was performed. A graded response model (GRM) was used to calibrate the items. To evaluate cross-cultural validity, Differential item functioning (DIF) for language (Dutch vs. English) was evaluated. Reliability of the item bank was also examined and construct validity was studied using several legacy instruments, e.g. the Roland Morris Disability Questionnaire. CFA supported the unidimensionality of the Dutch-Flemish PROMIS Pain Behavior item bank (CFI = 0.960, TLI = 0.958), the data also fit the GRM, and demonstrated good coverage across the pain behavior construct (threshold parameters range: -3.42 to 3.54). Analysis showed good cross-cultural validity (only six DIF items), reliability (Cronbach's α = 0.95) and construct validity (all correlations ≥0.53). The Dutch-Flemish PROMIS Pain Behavior item bank was found to have good cross-cultural validity, reliability and construct validity. The development of the Dutch-Flemish PROMIS Pain Behavior item bank will serve as the basis for Dutch-Flemish PROMIS short forms and computer adaptive testing (CAT). © 2015 European Pain Federation - EFIC®

Banking Sector of Ukraine: Realities, Tendencies, Prospects

Directory of Open Access Journals (Sweden)

Doroshenko Hanna O.

2014-01-01

Full Text Available The article analyses the modern state of the banking sector of Ukraine, its sources and prospects. It identifies that the main obstacle for stable development is dissociation of banking segments, absence of functional unity and orientation at formation of optimal conditions for satisfaction of financial requirements of the domestic economy. In order to create the efficient banking system it is necessary to introduce new banking supervision standards oriented at specialisation of the banking activity. The banking market should be segmented and both major banks that form the nucleus of the segment and minor ones operating in their niches should co-operate within each segment. Universal banks that have a developed branch network should unite specialised segments. Moreover, it is necessary to introduce changes into the mechanism of application of some instruments of money and loan regulation with respect to specialised banks and introduce some restrictions upon spheres of activity of the foreign capital.

Validation of a Short Form of an Indecision Test: The Vocational Assessment Test

Science.gov (United States)

Picard, France; Frenette, Éric; Guay, Frédéric; Labrosse, Julie

2015-01-01

The purpose of this research was to validate the scores of a short form of a new instrument, "l'Épreuve de décision vocationnelle, forme scolaire" (EDV-9S; vocational assessment test), which measures six indecision-related problems (lack of self-knowledge, lack of readiness, lack of method in decision making, lack of information,…

Behavior Analysis of Bank into E-Commerce under Network Externalities

Institute of Scientific and Technical Information of China (English)

CUI Jisheng; ZHUANG Lei

2017-01-01

With the advent of Internet financial innovation,many commercial banks quietly have started to enter into the E-commercial in order to prevent oligarchs from eroding financial market.From the perspective of industrial division,this paper reveals the nature of a phenomenon that E-commercial enterprises and banks have stepped into each other's field,which E-commerce of banks can give full play to network effects.Then it uues game theory to analyze the motions of banks to involve into E-commerce and the short-term competitive equilibrium of large incumbent E-commercial enterprises as well.For individual rationality,the dominant strategy of banks and E-commercial enterprises is (enter,counterattack).Considering network externalities,it constructs a competing model on banks and incumbent E-commercial enterprises and simulates competitive trends and balanced results of their behaviors,which illustrates that banks can obtain network effect after choosing E-commerce strategy.

Measuring depression after spinal cord injury: Development and psychometric characteristics of the SCI-QOL Depression item bank and linkage with PHQ-9.

Science.gov (United States)

Tulsky, David S; Kisala, Pamela A; Kalpakjian, Claire Z; Bombardier, Charles H; Pohlig, Ryan T; Heinemann, Allen W; Carle, Adam; Choi, Seung W

2015-05-01

To develop a calibrated spinal cord injury-quality of life (SCI-QOL) item bank, computer adaptive test (CAT), and short form to assess depressive symptoms experienced by individuals with SCI, transform scores to the Patient Reported Outcomes Measurement Information System (PROMIS) metric, and create a crosswalk to the Patient Health Questionnaire (PHQ)-9. We used grounded-theory based qualitative item development methods, large-scale item calibration field testing, confirmatory factor analysis, item response theory (IRT) analyses, and statistical linking techniques to transform scores to a PROMIS metric and to provide a crosswalk with the PHQ-9. Five SCI Model System centers and one Department of Veterans Affairs medical center in the United States. Adults with traumatic SCI. Spinal Cord Injury--Quality of Life (SCI-QOL) Depression Item Bank Individuals with SCI were involved in all phases of SCI-QOL development. A sample of 716 individuals with traumatic SCI completed 35 items assessing depression, 18 of which were PROMIS items. After removing 7 non-PROMIS items, factor analyses confirmed a unidimensional pool of items. We used a graded response IRT model to estimate slopes and thresholds for the 28 retained items. The SCI-QOL Depression measure correlated 0.76 with the PHQ-9. The SCI-QOL Depression item bank provides a reliable and sensitive measure of depressive symptoms with scores reported in terms of general population norms. We provide a crosswalk to the PHQ-9 to facilitate comparisons between measures. The item bank may be administered as a CAT or as a short form and is suitable for research and clinical applications.

A study on relationship between CAMELS Index's and Risk taking: A case study of Iranian banking industry

Directory of Open Access Journals (Sweden)

Mohammad Khodaei Valahzaghard

2013-04-01

Full Text Available Among the activists of the money market, banks as the most important financial institutions undertake an important role in optimal appropriation of financial short-term resources. Furthermore, they allocate the short-term surplus funds to enterprises, which have a short-term need. Holding a main part of the funds in economy circulation, banks have a critical role in adjustment of economic relations. Banks are facing different types of risks in their daily operations. In the banking system, the CAMELS indictors are used to evaluate and rate of the performance of banks. The CAMELS rating model is one of the most effective systems of financial assessment in banks. Therefore, in this research, the effects of CAMELS indicators of banks on risk taking of Iranian banks are studied. The statistical population of the national banking system includes all governmental and private banks. The whole statistical population is studied as a research sample during 2006-2011. Taking into consideration the fact that the research data or section-bounded and time-bounded, a combinational regression analysis has been used. The results of the combinational regression analysis have supported the presence of a reverse and meaningful effect of the indicators of assets quality and sensitivity of market risk on risk taking in national banks. In addition, the results have supported the direct and meaningful effects of capital sufficiency and quality of profit-making on risk taking, however, the effects of the indicators of management quality and liquidity quality on risk taking have been rejected.

Analiyzing Main Determinant of Currency, Debt and Banking Crises and Frag ilities in Turkey

Directory of Open Access Journals (Sweden)

Murat Türker

2015-09-01

Full Text Available The basic lessons obtained from financial turbulences all over the wor ld are the need to spot main causes, identify the triggering risk factors and consequently develop resolution plans for the potential financial crises, which include the establishment of a sound and strong financial system with strengthened institutional and structural bodies. Accurately and timely detection of the main causes that trigger financial fragilitiesemerging from currency, debt and banking is supposed to guide regulators to find "to the point" solutions to the fragility problems and to isolate their effects. Since in the Turkey case, financial crises were observed to occur in the form of twin crises or triplet crises, in this paper, we put forward Turkey-specific diagnoses and suggestions. Thus, the main factors that triggered financial turmoils in Turkey's last quarter century are low GDP, inadequate equity capital, insufficient bank returns, poor FX reserve, high inflation, short position-hot money policy, capital outflows, manipulative credit ratings and bank inertia, namely a trade off betweencredit transactions and risk-free investment vehicles

12 CFR 989.4 - Requirement for voluntary bank disclosure.

Science.gov (United States)

2010-01-01

....4 Section 989.4 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE FINANCIAL... form and content with the financial statements presented in the combined Bank System annual or quarterly financial reports prepared and issued by the Office of Finance . [63 FR 39704, July 24, 1998...

Implementation of Monetary Policy: How Do Central Banks Set Interest Rates?

OpenAIRE

Benjamin M. Friedman; Kenneth N. Kuttner

2010-01-01

Central banks no longer set the short-term interest rates that they use for monetary policy purposes by manipulating the supply of banking system reserves, as in conventional economics textbooks; today this process involves little or no variation in the supply of central bank liabilities. In effect, the announcement effect has displaced the liquidity effect as the fulcrum of monetary policy implementation. The chapter begins with an exposition of the traditional view of the implementation of ...

POOR FERTILITY, SHORT LONGEVITY AND LOW ABUNDANCE IN THE SOIL SEED BANK LIMIT VOLUNTEER SUGARCANE FROM SEED

Directory of Open Access Journals (Sweden)

Johann S Pierre

2015-06-01

Full Text Available The recent development of genetically modified sugarcane, with the aim of commercial production, requires an understanding of the potential risks of increased weediness of sugarcane as a result of spread and persistence of volunteer sugarcane. As sugarcane is propagated vegetatively from pieces of stalk and the seed plays no part in the production cycle the fate of seed in the environment is yet to be studied. In this study sugarcane seed samples, collected in fields over a two year period, were used to determine the overall level of sugarcane fertility, seed dormancy and longevity of seed under field conditions. A survey of the soil seed bank in and around sugarcane fields was used to quantify the presence of sugarcane seeds and to identify and quantify the weeds that would compete with sugarcane seedlings. We demonstrated that under field conditions, sugarcane has low fertility and produces non-dormant seed. The viability of the seeds decayed rapidly (half life between 1.5 and 2.1 months. This means that, in Australia, sugarcane seeds die before they encounter climatic conditions that could allow them to germinate and establish. Finally, the soil seed bank analysis revealed there were very few sugarcane seeds relative to the large number of weed seeds that exert a large competitive effect. In conclusion, low fertility, short persistence and poor ability to compete limit the capacity of sugarcane seed spread and persistence in the environment.

Poor Fertility, Short Longevity, and Low Abundance in the Soil Seed Bank Limit Volunteer Sugarcane from Seed.

Science.gov (United States)

Pierre, Johann S; Perroux, Jai; Whan, Alex; Rae, Anne L; Bonnett, Graham D

2015-01-01

The recent development of genetically modified sugarcane, with the aim of commercial production, requires an understanding of the potential risks of increased weediness of sugarcane as a result of spread and persistence of volunteer sugarcane. As sugarcane is propagated vegetatively from pieces of stalk and the seed plays no part in the production cycle, the fate of seed in the environment is yet to be studied. In this study, sugarcane seed samples, collected in fields over a 2-year period, were used to determine the overall level of sugarcane fertility, seed dormancy, and longevity of seed under field conditions. A survey of the soil seed bank in and around sugarcane fields was used to quantify the presence of sugarcane seeds and to identify and quantify the weeds that would compete with sugarcane seedlings. We demonstrated that under field conditions, sugarcane has low fertility and produces non-dormant seed. The viability of the seeds decayed rapidly (half-life between 1.5 and 2.1 months). This means that, in Australia, sugarcane seeds die before they encounter climatic conditions that could allow them to germinate and establish. Finally, the soil seed bank analysis revealed that there were very few sugarcane seeds relative to the large number of weed seeds that exert a large competitive effect. In conclusion, low fertility, short persistence, and poor ability to compete limit the capacity of sugarcane seed spread and persistence in the environment.

Short Term Effect of Consolidation on Profitability of Nigerian Banks ...

African Journals Online (AJOL)

Three of the banks however stood out. The change (an increase) in the EPS of two of them is significant while the change (a decrease) in the third one is also significant not only at 5% but at 1%. The findings here confirm the existing controversy on whether or not mergers or acquisitions lead to improved profitability. What is ...

Developing a model for explaining effective factors on trust in electronic banking; a survey in Bank Melli of Urmia

Directory of Open Access Journals (Sweden)

Jamshid Salar

2014-03-01

Full Text Available Trust is one of the most important factors for the development of electronic banking. The purpose of this study is to determine effective factors on trust in e-banking in the form of a conceptual model. Due to the rapid growth of electronic banking in the country, identify factors affecting trust in e-banking is very important. Population of this study is customers of Bank Melli in Urmia. We used structural equation modeling with Lisrel 8.80 for testing hypotheses. Results show that independent variables include familiarity with electronic banking, tendency to trust, structural confidence and reputation effect on trust creator beliefs and trust creator beliefs effects on trust. Therefore, trust creator beliefs play a mediating effect in relation between independent and dependent variables. Results of this research can be used by public and private banks` top management.

Multilevel Confirmatory Factor Analysis of the Teacher My Class Inventory-Short Form

Science.gov (United States)

Villares, Elizabeth; Mariani, Melissa; Sink, Christopher A.; Colvin, Kimberly

2016-01-01

Researchers analyzed data from elementary teachers (N = 233) to further establish the psychometric soundness of the Teacher My Class Inventory-Short Form. Supporting previous psychometric research, confirmatory factor analyses findings supported the factorial validity of the hypothesized five-factor solution. Internal reliability estimates were…

Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

Directory of Open Access Journals (Sweden)

Miranda Petronella VLAD

2012-11-01

Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

Factors Affecting Mobile Banking Adoption in the United States

Science.gov (United States)

Engwanda, Michel Ndongola

2014-01-01

Mobile banking (m-banking) allows consumers to conduct financial transactions without temporal and spatial constraints through Internet-enabled mobile devices such as smartphones. The adoption patterns are of particular research interest because m-banking penetration has been relatively low even though smartphones are the most dominant forms of…

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

VISUAL-GRAPHIC VECTORS IN THE BANK ADVERTISING UNIVERSE

OpenAIRE

PREDICA Catalin

2012-01-01

This paper studies the form and typology of banking advertising universe. The aim is to highlight the specificity of advertisements of the banking system according to the elements and the geometric shapes that are used.

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

The rise and growth of Serbian banking until World War I - part two: The second stage - the national state and the national banking (1878-1914

Directory of Open Access Journals (Sweden)

Stojanović Biljana

2017-01-01

Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Congress. In the first stage, until 1878, necessary political, economic and institutional preconditions had been formed for the rise of banking that led to the creation of the first organized credits and banks. During the second stage, decisive programme of economic and institutional development and modernization resulted in the mushrooming growth of banks. Apart from the Privileged National Bank of the Kingdom of Serbia (National Bank, as a bank of note issue, there were state banks and privately-owned banks mostly in the form of joint-stock companies. From 1894, farmers started to establish farm cooperative societies as institutions that met their credit needs with a much more favourable terms than banks. Analyses suggests that banks in the Kingdom of Serbia during 1878-1914 period better served the development of trade, building of the infrastructure (railroads and industry than credit needs of the farmers who were the main economic agent of the country representing 85% of the total population.

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

INTERBANK DEPOSIT MARKET RELEVANCE FOR CROATIAN BANKING SYSTEM SUSTAINABILITY

OpenAIRE

Ercegovac, Roberto; Kundid, Ana

2011-01-01

Existence, functionality and sustainability of the interbank deposit market signifi cantly determinate bank’s asset and liability management (ALM) potentials and thus an overall banking sector performance. Among other numerous factors in the banking business, key roles of the interbank deposit market like availability of short-term liquidity sources, ensuring investment and lending opportunities as well as allowing hedging potentials, considerably contribute to commercial bank’s risk – return...

Dutch-Flemish translation of nine pediatric item banks from the Patient-Reported Outcomes Measurement Information System (PROMIS)®.

Science.gov (United States)

Haverman, Lotte; Grootenhuis, Martha A; Raat, Hein; van Rossum, Marion A J; van Dulmen-den Broeder, Eline; Hoppenbrouwers, Karel; Correia, Helena; Cella, David; Roorda, Leo D; Terwee, Caroline B

2016-03-01

The Patient-Reported Outcomes Measurement Information System (PROMIS(®)) is a new, state-of-the-art assessment system for measuring patient-reported health and well-being of adults and children. It has the potential to be more valid, reliable, and responsive than existing PROMs. The items banks are designed to be self-reported and completed by children aged 8-18 years. The PROMIS items can be administered in short forms or through computerized adaptive testing. This paper describes the translation and cultural adaption of nine PROMIS item banks (151 items) for children in Dutch-Flemish. The translation was performed by FACITtrans using standardized PROMIS methodology and approved by the PROMIS Statistical Center. The translation included four forward translations, two back-translations, three independent reviews (at least two Dutch, one Flemish), and pretesting in 24 children from the Netherlands and Flanders. For some items, it was necessary to have separate translations for Dutch and Flemish: physical function-mobility (three items), anger (one item), pain interference (two items), and asthma impact (one item). Challenges faced in the translation process included scarcity or overabundance of possible translations, unclear item descriptions, constructs broader/smaller in the target language, difficulties in rank ordering items, differences in unit of measurement, irrelevant items, or differences in performance of activities. By addressing these challenges, acceptable translations were obtained for all items. The Dutch-Flemish PROMIS items are linguistically equivalent to the original USA version. Short forms are now available for use, and entire item banks are ready for cross-cultural validation in the Netherlands and Flanders.

Brain banking for immunocytochemistry and autoradiography

International Nuclear Information System (INIS)

Eymin, C.; Jordan, D.; Saint-Pierre, G.; Kopp, N.

1993-01-01

The aim of a human brain bank is to establish groups of matched brains (normal control versus pathological groups) for studying human diseases of the nervous system. This bank is obtained by means of autopsy performed with a very short post-mortem delay and from clinically and neuropathologically well-documented patients. According to research protocols, two types of brain tissue storage are performed: fixed tissue or frozen tissue. Brain dissection procedures are performed according to precise anatomical boundaries of each brain region. This paper will center on the questions raised by brain banking in relation to histological and immunocytochemical studies and to biochemistry and autoradiography of binding sites. The lack of neuroanatomical data of the human brain leads us to compare anatomical results obtained in animals to that of the human. Moreover, it is clear that human brains present numerous interindividual differences (Kopp et al., 1977; Jack et al., 1989). Therefore, investigations of the human brain should be made on a large series of brains indicating the necessity of a well-documented brain bank of tissue from normal controls and patients. (authors)

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

van Esterik-Plasmeijer, P.; van Raaij, W.F.

2017-01-01

Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights

Tailoring of mobility advices to consumers. A determinants survey; Tailoring van mobiliteitsadviezen aan consumenten. Een determinantenonderzoek

Energy Technology Data Exchange (ETDEWEB)

De Weerdt, I.; Jonkers, R. [ResCon, Haarlem (Netherlands)

2003-08-01

An outline is given of the options to apply so-called computer tailoring in the field of mobility. A feasibility study has been carried out for the realization of a computerized tailored mobility programme. Tailoring is a method, based on social-scientific theories on behavioral change, by means of which information is tailored to individual circumstances, preferences and motivation. [Dutch] De mogelijkheden van computer tailoring (tailoring is een methodiek die gebaseerd is op sociaal-wetenschappelijke theorieen over gedragsverandering, waarbij de aangeboden informatie is afgestemd op individuele omstandigheden, preferenties en motivaties) op het gebied van mobiliteit worden verkend. Er is een haalbaarheidsonderzoek uitgevoerd ter voorbereiding op de realisatie van een computer tailored mobiliteitsprogramma. In dit onderzoek is nagegaan: of consumenten belangstelling hebben voor informatie op maat over mobiliteit; waar consumenten zelf de meeste mogelijkheden zien om hun mobiliteitspatroon te veranderen (en dus meer duurzame mobiliteitsopties toe te passen); hoe het gedrag van consumenten m.b.t. mobiliteit d.m.v. een tailoring systeem gericht beinvloed kan worden; of er organisaties te vinden zijn die de exploitatie van een tailoring systeem m.b.t. mobiliteit op zich zouden willen nemen; of de ontwikkeling van een dergelijk systeem kosten effectief kan zijn.

Monetary Policy and Excessive Bank Risk Taking

NARCIS (Netherlands)

Agur, I.; Demertzis, M.

2010-01-01

If monetary policy is to aim at financial stability, how would it change? To analyze this question, this paper develops a general-form model with endogenous bank risk profiles. Policy rates affect both bank incentives to search for yield and the cost of wholesale funding. Financial stability

Bank Activity and Funding Strategies: The Impact on Risk and Return

OpenAIRE

Demirgüc-Kunt, A.; Huizinga, H.P.

2009-01-01

This paper examines the implications of bank activity and short-term funding strategies for bank risk and return using an international sample of 1334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very low levels. Non-deposit, wholesale funding in contrast lowers the rate of return on assets, while it can offe...

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

As Labor bank is seemed as business partner of labor union, it contributes each community activities. For example, Labor bank helps retired employee, laborer and inhabitants. In addition, after the amendment of Money Lending Business Act of 2010, labor bank became clearly community based bank by consulting for heavily-indebted people and their education. This paper analyzes the new role of labor bank such as community contribution and enhancing financing service by collecting of the opinion o...

Clinical validation of three short forms of the Dutch Wechsler Memory Scale-Fourth Edition (WMS-IV-NL) in a mixed clinical sample.

Science.gov (United States)

Bouman, Zita; Hendriks, Marc P H; Van Der Veld, William M; Aldenkamp, Albert P; Kessels, Roy P C

2016-06-01

The reliability and validity of three short forms of the Dutch version of the Wechsler Memory Scale-Fourth Edition (WMS-IV-NL) were evaluated in a mixed clinical sample of 235 patients. The short forms were based on the WMS-IV Flexible Approach, that is, a 3-subtest combination (Older Adult Battery for Adults) and two 2-subtest combinations (Logical Memory and Visual Reproduction and Logical Memory and Designs), which can be used to estimate the Immediate, Delayed, Auditory and Visual Memory Indices. All short forms showed good reliability coefficients. As expected, for adults (16-69 years old) the 3-subtest short form was consistently more accurate (predictive accuracy ranged from 73% to 100%) than both 2-subtest short forms (range = 61%-80%). Furthermore, for older adults (65-90 years old), the predictive accuracy of the 2-subtest short form ranged from 75% to 100%. These results suggest that caution is warranted when using the WMS-IV-NL Flexible Approach short forms to estimate all four indices. © The Author(s) 2015.

REFORM, ORGANISATION AND CONSOLIDATION OF THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

ION Gr. IONESCU

2012-01-01

Full Text Available Banking system, making the economic environment and the resources it provides, the subsystem consists of macro economic and social. He is in continuous interaction with the economic environment, which takes "input" in various forms - human, financial, information they process into "outputs" - products and banking services, financial derivatives used in banking, financial and banking information, etc. In other words, and the banking system is now an open system. What is specific to open systems, and hence the banking system is that it regulates activity by reverse connection (feed back, so they are capable of self.

Determinants Factors of Interest Rates on Three-Month Deposits of Bank Persero

Directory of Open Access Journals (Sweden)

Tedy Kurniawan

2017-03-01

Full Text Available This research aims at analyzing the influence of Capital Adequacy Ratio (CAR, Operating Expenses of Operating Income (BOPO, inflation, exchange rate, and the amount of money supply (M1 to the interest rate of three month deposits of the State-Owned Bank in Indonesia in 2007-2015. This research uses the error correction model analysis. The result obtained is the CAR that has a significant effect on the long term and has no effect on the short term, BOPO has a significant influence on the long term and short term, inflation has the significant effect on the long term and has no effect on the short term, the exchange rate has an influence on the short and long term, the money supply has no effects on the short and long-term on the interest rate on three month deposits of the State-Owned Bank.

Long-term persistence of pioneer species in tropical forest soil seed banks

Energy Technology Data Exchange (ETDEWEB)

Dalling, J W; Brown, T A

2008-10-05

In tropical forests, pioneer species regenerate from seeds dispersed directly into canopy gaps, and from seeds that persisted in soil seed banks before gap formation. However, life-history models suggest that selection for long-term persistence of seeds in soil should be weak, as persistence incurs a fitness cost resulting from prolonged generation time. We use a carbon dating technique to provide the first direct measurements of seed persistence in undisturbed tropical forest seed banks. We show that seeds germinate successfully from surface soil microsites up to 38 years after dispersal. Decades-long persistence may be common in pioneers with relatively large mass, and appears to be unrelated to specific regeneration requirements. In Croton billbergianus, a sub-canopy tree that recruits in abundant small gaps, long-term persistence is associated with short-distance ballistic seed dispersal. In Trema micrantha, a canopy tree with widespread dispersal, persistence is associated with a requirement for large gaps that form infrequently in old-growth forest.

VISUAL-GRAPHIC VECTORS IN THE BANK ADVERTISING UNIVERSE

Directory of Open Access Journals (Sweden)

PREDICA Catalin

2012-11-01

Full Text Available This paper studies the form and typology of banking advertising universe. The aim is to highlight the specificity of advertisements of the banking system according to the elements and the geometric shapes that are used.

Psychometric evaluation and short form development of The Balanced Inventory of Desirable Responding (BIDR-6

Directory of Open Access Journals (Sweden)

Subotić Siniša

2016-01-01

Full Text Available The goals of this research were to evaluate the Bosnian-Croatian-Serbian (BCS translation of the BIDR-6 scale, develop its short form, and to present its initial convergent/discriminative validation. The sample included 827 participants. MIRT CFA analysis revealed that fourfactor model (containing 32/40 items fits the data best, with Self-Deceptive Enhancement (SDE and Impression Management (IM both splitting into the denial (SD-D and IM-D and enhancement (SD-E and IM-E factors. Fit and item properties were generally mediocre. SD-D and IM-E subscales were the strongest sources of misfit, thus SD-E and IM-D subscales were retained in the short form, which had good fit and replicated almost all main patterns of associations with other variables of interest (e.g., HEXACO personality traits typically reported for the full SDE and IM scales in other research. Thus, 17-item BIDR-6 short form, containing only SD-E and IM-D subscales, is recommended for use in the BCS speaking area.

The short story as a form of self-legitimation and self-reflexion (on the example of a Bosnian and Hercegovinian short story

Directory of Open Access Journals (Sweden)

Larisa Softić-Gasal

2015-09-01

Full Text Available The short story, as a new literary genre of Bosnian and Herzegovinian literature of the transitional period, has found its way to enter the market of recipients. The role of the reader as a member of a specific cultural group is very important when trying to define the short story. The reader is one of the participants of a contextual network that makes all literary works “open”, thus offering enormous possibilities of detailed reading, rereading and reflection. Previous attempts to define the short story depict it as a modern, contemporary and intensive prose form and a response to the internal raptures of modern recipients. Engaging readers in the process of creating has been achieved by the well-known Brechtian waking up to reality which breaks, to some extent, both the narrative and theatrical illusions. By comparing the so called open forms of stories/dramas,a particular pattern of linguistic behaviour of characters is observed that reflects their difficulties to articulate their feelings, to express them and to reveal them to themselves and to others. Most of the compared short stories/dramas of open forms are characterized by impaired communication between characters. Their statements barely follow one another or, in turn, come with hesitation and have the characteristics of intellectual disability. Zlatko Topčić’s stories Garib and Hasanaginica present the social problem of accepting the allegorical morality/mentality of male society, while promoting the characters as carriers of both the burden of otherness and their own immanent perspective of resistance. Games of signifiers (God, ownership, state represent the power of the ideology of modern class society. Many short stories from the period of transition of Bosnian and Herzegovinian society are a valuable challenge to the reader’s sensibility to grasp the relativity of the perspective of all socially assumed standards of evaluation.

The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

KNOWLEDGE SHARING CULTURE: A STUDY ON THE OMANI COMMERCIAL BANKING SECTOR

Directory of Open Access Journals (Sweden)

Tareq Alhousary

2016-07-01

Full Text Available The banking sector is one that is characterized by the high need of management experience and agility to cope with the fast-paced competition raised by the international alliances in this business. The Omani banking sector in general is one of the infrastructure businesses that has essential role in the realization of the Omani Renaissance. This sector has achieved remarkable improvements in terms of the cutting edge technology it has adopted. To reach the Omani aspiration in its economic renaissance, various soft issues beyond technology are to be tuned well to reach of the required competitiveness. Softer issues such as knowledge management are one of the critical soft issues that forms the aim of the study presented, and in particular, to explore how organizational knowledge is shared and nurtured in the sector. Questionnaire-based survey and semi-structured interviews were used to collect both qualitative and quantitative data from over 300 hundred banking employees from five different banks. Clustered sampling was used for the survey and interviews were selective; targeting senior administrator in the sector. The qualitative data was analyzed using SPSS descriptive statistics and thematic analysis was used for analyzing the qualitative data. The study found that the sector has built a competitive cutting edge banking technology over relatively short span of time; however there is still vast room for improvement at the administrative side of the work. Among the recommendations, is having a conscious systematic effort by the sector administration to build physical and virtual facilities for exchanging knowledge among its employees and to provide work stability and an effective reward system for knowledge sharing behavior.

Motor competence assessment in children: convergent and discriminant validity between the BOT-2 Short Form and KTK testing batteries.

Science.gov (United States)

Fransen, Job; D'Hondt, Eva; Bourgois, Jan; Vaeyens, Roel; Philippaerts, Renaat M; Lenoir, Matthieu

2014-06-01

This study investigated convergent and discriminant validity between two motor competence assessment instruments in 2485 Flemish children: the Bruininks-Oseretsky Test of Motor Proficiency 2 Short Form (BOT-2 Short Form) and the KörperKoördinationsTest für Kinder (KTK). A Pearson correlation assessed the relationship between BOT-2 Short Form total, gross and fine motor composite scores and KTK Motor Quotient in three age cohorts (6-7, 8-9, 10-11 years). Crosstabs were used to measure agreement in classification in children scoring below percentile 5 and 15 and above percentile 85 and 95. Moderately strong positive (r=0.44-0.64) associations between BOT-2 total and gross motor composite scores and KTK Motor Quotient and weak positive correlations between BOT-2 Short Form fine motor composite and KTK Motor Quotient scores (r=0.25-0.37) were found. Levels of agreement were fair to moderate. Therefore, some proof of convergent and discriminant validity between BOT-2 Short Form and KTK was established in this study, underlining the notion that the evaluation of motor competence should not be based upon a single assessment instrument. Copyright © 2014 Elsevier Ltd. All rights reserved.

Development of a Nutrition Education Intervention for Food Bank Clients.

Science.gov (United States)

Dave, Jayna M; Thompson, Deborah I; Svendsen-Sanchez, Ann; McNeill, Lorna Haughton; Jibaja-Weiss, Maria

2017-03-01

The focus of this article is the development of a nutrition education intervention for food bank clients. Formative research using mixed-methods (qualitative and quantitative) and community-based participatory research principles was conducted to assess the nutrition education needs of clients obtaining service from the Houston Food Bank (HFB). Participants were HFB and pantry staff and clients. Interview data were coded and analyzed using grounded theory approach. Themes were then identified. Quantitative data were analyzed for frequencies and descriptives. Data were used to tailor the curriculum to the target population. Six HFB staff, 49 pantry staff from 17 pantries, and 54 clients from 10 pantries participated in interviews and focus groups and completed questionnaires. The participants provided opinion on the current nutrition education provided via the food bank and made suggestions on strategies for development of an intervention. Their feedback was used to develop the six-session intervention curriculum to be delivered over 6 months. This research provides evidence that it is critical for members of the target audience be included in formative research to develop behavior change programs that are relevant and appealing and target their needs and interests.

BANKING INTERMEDIATION AND CONSEQUENCES OF FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Medar Lucian-Ion

2012-12-01

Full Text Available The financial intermediation of bank institutions, has an essential role in mobilising of the available funds and their distribution in various products and services, for economic growth. The extent that banking system is in distress or passing through a period of crisis, then, everything turns into a general crisis, especially that, in some states, natural and legal persons have been learned ,,to live’’ on the credits.The effectiveness of banking intermediation activity in Romania depends on how fast the market is enabled under the influence of the new European regulations. The Romanian market in all its forms is the second largest in the EU, and the banking system is almost entirely made up of banks with foreign capital. The romanian banking market has not suffered so much because of the financial crisis. To the extent that banking institutions provide the necessary funds, Romania has important resources for the transition to a new economic cycle based on sustainable development.

Sun glitter imaging of submarine sand waves on the Taiwan Banks: Determination of the relaxation rate of short waves

Science.gov (United States)

Shao, Hao; Li, Yan; Li, Li

2011-06-01

Above sand waves on the seafloor, surface short waves, which are responsible for the radiance distribution in remote sensing imagery, are modulated gradually by the submarine topography. The relaxation rate μr characterizes the rate at which the short waves reach their saturation range after being disturbed. It is a key parameter in the weak hydrodynamic interaction theory and is also a most important parameter in the imaging mechanism used for mapping submarine bottom topography. In this study, a robust expression containing intensity and phase (advection effect) modulations of the perturbed action spectrum of short waves was deduced, by using the first-order weak hydrodynamic interaction theory. On the basis of the phase modulation, a method was developed to determine the relaxation rate in the Sun glitter imaging mechanism. The relaxation rates were estimated using in situ data measured on a cruise over the sand waves of the Taiwan Banks, a sea area between the East China Sea and the South China Sea, on 28-29 August 2006. Results showed that, under a wind speed of 5.0 m s-1, the relaxation rate of short waves was about 0.055 s-1 in response to current variations and about 0.025 s-1 equivalently in response to sea bottom topographic variations. The former value could be applied to interpret the amplitude of submarine topography by using satellite imagery, while the latter one (equivalent relaxation rate μ'r) could help to more accurately calibrate the spatial position of the retrieved sea bottom topography.

12 CFR 500.30 - General statement concerning procedures and forms.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false General statement concerning procedures and forms. 500.30 Section 500.30 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY AGENCY ORGANIZATION AND FUNCTIONS Procedures § 500.30 General statement concerning procedures and forms...

The status of bank lending to SMES in the Middle East and North Africa region : the results of a joint survey of the Union of Arab Bank and the World Bank

OpenAIRE

Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas

2011-01-01

Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems than private banks. On another hand, credit guarantee schemes are a popular form of support to SME finan...

The role of the Industrial Bank of Japan in financing gas projects

International Nuclear Information System (INIS)

Kajiwara, Yasushi

1991-01-01

This paper concerns liquefied natural gas projects, or LNG projects for short, and more specifically, how the Industrial Bank of Japan, IBJ, as a private bank has been involved in many projects, and how the bank has solved a range of problems encountered in the process of financing such projects. After that, the author's personal views are expressed on how to tackle the future development of LNG, an energy source that will become increasingly important in the future

Analysis of Uncertainty in Dynamic Processes Development of Banks Functioning

Directory of Open Access Journals (Sweden)

Aleksei V. Korovyakovskii

2013-01-01

Full Text Available The paper offers the approach to measure of uncertainty estimation in dynamic processes of banks functioning, using statistic data of different banking operations indicators. To calculate measure of uncertainty in dynamic processes of banks functioning the phase images of relevant sets of statistic data are considered. Besides, it is shown that the form of phase image of the studied sets of statistic data can act as a basis of measure of uncertainty estimation in dynamic processes of banks functioning. The set of analytical characteristics are offered to formalize the form of phase image definition of the studied sets of statistic data. It is shown that the offered analytical characteristics consider inequality of changes in values of the studied sets of statistic data, which is one of the ways of uncertainty display in dynamic processes development. The invariant estimates of measure of uncertainty in dynamic processes of banks functioning, considering significant changes in absolute values of the same indicators for different banks were obtained. The examples of calculation of measure of uncertainty in dynamic processes of concrete banks functioning were cited.

Pengaruh Rentabilitas, Efisiensi, dan Likuiditas Terhadap Kecukupan Modal Bank Umum Syariah: Study Pada PT Bank Syariah Mandiri Tbk

Directory of Open Access Journals (Sweden)

Siti Fatimah

2014-01-01

Full Text Available  The Influence of Rentability, Efficiency, Liquidity To Capital Adequacy Ratio in Islamic Bank: Study at PT Bank Syariah Mandiri. The aim of this study is to analyze the influence of rentability (ROA, efficiency (BOPO, and liquidity (FDR to Capital Adequacy Ratio (CAR in short-run and long-run. The method analysis that used in this study is VECM method. The result was shown that ROA had a significant negative influence to CAR, BOPO had a significant positive influence to CAR, and FDR had a significant negative influence to CAR. There were a long-run correlation between BOPO and FDR to CAR, and there were a short-run correlation between ROA, BOPO, FDR to CAR. DOI: Normal 0 false false false EN-US X-NONE AR-SA MicrosoftInternetExplorer4 10.15408/aiq.v6i1.1368 Normal 0 false false false EN-US X-NONE AR-SA MicrosoftInternetExplorer4 10.15408/ijies.v6i1.1367

Lending booms, reserves, and the sustainability of short-term debt - inferences from the pricing of syndicated bank loans

OpenAIRE

Eichengreen, Barry; Mody, Ashoka

1999-01-01

Academics pay little attention to international bank lending, focusing instead on rapidly growing market segments such as the international bond market and derivative credit instruments. The authors argue for paying more attention to international bank lending. Why? Three reasons. First, the syndicated bank loan is one of the workhorses of international capital markets. Second, international bank lending is especially important for private-sector borrowers, whose participation in internationa...

Performance Evaluation of Banks Using DEA (Case study: Guilan Saderat Bank Branches

Directory of Open Access Journals (Sweden)

K. Shahroudi

2010-03-01

Full Text Available Performance evaluation has been developed in the form of management schools along by managerial thought development. Banks and financial institutes are one of the most important economic sections to each country which by receipts and payments directing and organizing facilitate business and commercial transactions and develop markets and economic growth and as the main pillars in directing and managing dispersed funds toward production units and regulate cash flow, have specific place in economic growth and inflation control. Therefore, it is necessary for banks to be aware about their branches efficiency and take revision techniques into account for their future planning. In this paper BCC and CCR models (output-oriented have been used to evaluate the efficiency of 29 sample Saderat bank branches in Guilan Province.

Performance Evaluation of Banks Using DEA (Case study: Guilan Saderat Bank Branches

Directory of Open Access Journals (Sweden)

K. Shahroudi

2012-07-01

Full Text Available Performance evaluation has been developed in the form of management schools along by managerial thought development. Banks and financial institutes are one of the most important economic sections to each country which by receipts and payments directing and organizing facilitate business and commercial transactions and develop markets and economic growth and as the main pillars in directing and managing dispersed funds toward production units and regulate cash flow, have specific place in economic growth and inflation control. Therefore, it is necessary for banks to be aware about their branches efficiency and take revision techniques into account for their future planning. In this paper BCC and CCR models (output-oriented have been used to evaluate the efficiency of 29 sample Saderat bank branches in Guilan Province.

Credit Risk Determinants in the Vulnerable Economies of Europe: Evidence from the Spanish Banking System

Directory of Open Access Journals (Sweden)

Gila-Gourgoura, E.

2017-03-01

Full Text Available Purpose: The purpose of this paper is to investigate the determinants of non-performing loans in the Spanish banking system over the period 1997Q4–2015Q3. This timeframe includes not only the booming period for the Spanish economy but also an extended post-crises interval which is missing from other studies for Spain. Design/methodology/approach: Using quarterly data from the Central Bank of Spain and from the European Central Bank, the paper employs the ARDL approach to cointegration to identify the existence of a long or short-run relationship between NPLs and a set of macroeconomic, bank-related and country-specific indicators. Findings: Findings from the ARDL model indicate that macroeconomic, bank-specific variables and interest rates are important determinants of non-performing loans in the Spanish banking system. Specifically, the real GDP, the Spanish long-term government bond yield, the return on equity, the total credit granted by the Spanish banks and their capital to assets ratio, explain credit risk in Spain both in the short and the long run. Research limitations/implications: Data on the bank-specific variables are for the whole banking industry, and not for individual banks. If such data were available, a comparison of the credit risk determinants between small/ big banks, private/public or domestic/foreign could be possibly made. Originality/value: These findings provide useful evidence to bank managers and policymakers in dealing with loans' defaults in Spain and in undertaking crucial reforms to stabilize the economy.

Bank Liquidity crisis in Ukraine shortly before and during political instability of 2013-2014

OpenAIRE

Efros, Ganna

2016-01-01

This thesis discusses causes of the liquidity crises in Ukraine. The topic is covered from both theoretical and practical point of view. The discussions on the policies implemented by Central Bank are presented as well as the analyses for three liquidity ratios, using time series data and ordinary least squares. The main hypotheses of the thesis are: there is a positive correlation between the liquidity level and proportion of foreign capital to total bank capital; higher capital adequacy rat...

Determinants of Egyptian Banking Sector Profitability: Time-Series Analysis from 2004-2014

Directory of Open Access Journals (Sweden)

Heba Youssef Hashem

2016-06-01

Full Text Available Purpose - The purpose of this paper is to examine the determinants of banking sector profitability in Egypt to shed light on the most influential variables that have a significant impact on the performance of this vital sector. Design/methodology/approach - The analysis includes a time series model of quarterly data from 2004 to 2014. The model utilizes Cointegration technique to investigate the long-run relationship between the return on equity as a proxy for bank profitability and several bank-specific variables including liquidity, capital adequacy, and percentage of non-performing loans. In addition, Vector Error Correction Model (VECM is utilized to explore the short-run dynamics of the model and the speed of adjustment to reach the long-run equilibrium. Findings - The main findings of this work show that banking sector profitability is inversely related to capital adequacy, the percentage of loan provisions and the ratio of deposits to total assets. On the other hand, it is positively related to the size of the banking sector which implies that the banking sector exhibits economies of scale. Research limitations/implications - The implications of this work is that it helps reveal the major factors affecting bank performance in the short-run and long-run, and hence provide bank managers and monetary policy makers with beneficial insights on how to enhance bank performance. Since the banking sector represents one of the main engines of financing investment, enhancing the efficiency of this sector would contribute to economic growth and prosperity Originality/value - The Vector error correction model showed that about 4% of the disequilibrium is corrected each quarter to reach the long run equilibrium. In addition, all bank specific variables were found to affect profitability in the long-run only. This study would serve as a base that further work on Egyptian banking sector profitability can build on by incorporating more variables in the

DISCRIMINANT ANALYSIS OF BANK PROFITABILITY LEVELS

Directory of Open Access Journals (Sweden)

Ante Rozga

2013-02-01

Full Text Available Discriminant analysis has been employed in this paper in order to identify and explain key features of bank profitability levels. Bank profitability is set up in the form of two categorical variables: profit or loss recorded and above or below average return on equity. Predictor variables are selected from various groups of financial indicators usually included in the empirical work on microeconomic determinants of bank profitability. The data from the Croatian banking sector is analyzed using the Enter method. General recommendations for a more profitable business of banking found in the bank management literature and existing empirical framework such as rationalization of overhead costs, asset growth, increase of non-interest income by expanding scale and scope of financial products proved to be important for classification of banks in different profitability levels. A higher market share may bring additional advantages. Classification results, canonical correlation and Wilks’ Lambda test confirm statistical significance of research results. Altogether, discriminant analysis turns out to be a suitable statistical method for solving presented research problem and moving forward from the bankruptcy, credit rating or default issues in finance.

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

Temporal stability of the Francis Scale of Attitude toward Christianity short-form: test-retest data over one week.

Science.gov (United States)

Lewis, Christopher Alan; Cruise, Sharon Mary; McGuckin, Conor

2005-04-01

This study evaluated the test-retest reliability of the Francis Scale of Attitude toward Christianity short-form. 39 Northern Irish undergraduate students completed the measure on two occasions separated by one week. Stability across the two administrations was high, r = .92, and there was no significant change between Time 1(M = 25.2, SD = 5.4) and Time 2 (M = 25.7, SD = 6.2). These data support the short-term test-retest reliability of the Francis Scale of Attitude toward Christianity short-form.

Resurfacing the Jodrell Bank Mk II radio telescope

Science.gov (United States)

Spencer, R. E.; Haggis, J. S.; Morrison, I.; Davis, R. J.; Melling, R. J.

The improvement of the short-wavelength performance of the Jodrell Bank Mk II radio telescope is described. A final rms profile error of 0.6 mm was achieved due to the invention of an inexpensive technique of panel construction and measurement combined with the use of radio-astronomical holographic techniques to measure the telescope under actual operating conditions. Some further improvements to extend the short wavelength performance are suggested.

Guides and forms | IDRC - International Development Research ...

International Development Research Centre (IDRC) Digital Library (Canada)

Information for suppliers and consultants. Consultancies: Frequently Asked Questions · Canadian Supplier — Tax and Bank Information Form · T1204 – Government services contract payments · Supplier Outside of Canada — Tax and Bank Information Form ...

The Impact of Mergers Inefficiency: A Case Study of Banking Status

Science.gov (United States)

2007-12-01

20 M. SWITZERLAND ...........................................................................................22 1. Due Diligence vs . Bank Secrecy...strength, held at the end of 2006, “The national consolidation of banks has produced stronger franchises and generated huge synergies for them while also...already set that foreign banks could have some form of ownership in Polish banks. However, after the 8 completion of the transaction, Poland’s

12 CFR 563g.20 - Form for securities sale report.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Form for securities sale report. 563g.20 Section 563g.20 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.20 Form for securities sale report. Office of Thrift Supervision, 1700 G Street, NW...

Satisfaction Mayhem in the Danish Banking Industry

DEFF Research Database (Denmark)

Grünbaum, Niels Nolsøe

2015-01-01

Larger Danish banks score lower on customer satisfaction than minor Danish banks. The purpose of this empirical qualitative study is to enlighten this satisfaction paradox. The findings revealed that different satisfactions models are in play. More specifically, the larger banks in Denmark have...... undergone a transformation from a physical realm to a virtual realm. Hence, the personal relationship between the customer and bank employee has also changed. The customer perception of this is rather problematic. More specifically, the changes have diminished customers possibilities to form satisfaction...... judgments. Moreover, the larger banks also loose valuable insights in what the customers value. Without this knowledge a string of strategic business decisions will not be made based on ideal information. The originality of this study is examining and emphasizing coherence in satisfaction models in a buyer...

The impact of longitudinal intestinal lengthening and tailoring on liver function in short bowel syndrome.

Science.gov (United States)

Reinshagen, K; Zahn, K; Buch, C von; Zoeller, M; Hagl, C I; Ali, M; Waag, K-L

2008-08-01

Short bowel syndrome is a functional or anatomic loss of major parts of the small bowel leading to severe malnutrition. The limiting factor for the survival of these patients remains parenteral nutrition-related liver damage leading to end-stage liver failure. Longitudinal intestinal lengthening and tailoring (LILT) has been proven to enhance peristalsis, to decrease bacterial overgrowth and to extend the mucosal contact time for the absorption of nutrients. The aim of this study was to show the impact of LILT on the development of parenteral nutrition-related liver damage. A cohort of 55 patients with short bowel syndrome managed with LILT in our institution between 1987 and 2007 was retrospectively reviewed. LILT was performed at a mean age of 24 months (range 4 - 150 months). Mean follow-up time was 83.76 months (range 5 - 240 months). We obtained reliable data from 31 patients with regard to liver enzymes and function parameters in blood samples before LILT and at the present time. Liver biopsy was performed in 14 patients prior to LILT. Liver enzymes ALAT (mean 121 U/l), ASAT (mean 166 U/l) and bilirubin (mean 2.49 mg/dl) were elevated preoperatively in 27/31 children. After the lengthening procedure, ALAT (mean 50 U/l), ASAT (mean 63 U/l) and bilirubin (mean 1.059 mg/dl) normalized except in 5 of 8 patients who could not be weaned from parenteral nutrition after LILT. Liver function parameters such as the international normal ratio (INR) were slightly elevated in 5/31 patients. Albumin was generally low, probably due to parenteral nutrition. Liver biopsy was performed in 14 patients preoperatively, showing 4 patients with low-grade, 6 patients with intermediate and 4 patients with high-grade fibrosis. End-stage liver disease with cirrhosis was an exclusion criterion for LILT. All patients with liver fibrosis showed a normalization of liver enzymes when they were weaned from parenteral nutrition. But patients with higher grade liver fibrosis tend to develop

An Exploratory Introduction towards Internet Banking English

Directory of Open Access Journals (Sweden)

Ricardo Casañ Pitarch

2016-03-01

Full Text Available The aim of research on language for specific purposes is to explain how particular forms of the language are used in any given context. Nowadays, banks need to offer their services and products via Internet in order to keep themselves competitive in the current globalized market, as it happens with any other industry or academic field. Therefore, research on specific language is necessary for any professional involved in that given particular area in order to understand and reproduce texts of the same nature. This paper introduces a bibliography review about the features that determine the language used by banks in their websites. This paper begins with the definitions of ‘bank’ and ‘banking’ and moves towards the principles of ‘Internet banking’, specifying some general and specific features of its particular language forms and most common uses. This introduction towards the language used by banks on the Internet is expected to be used as some basic guidelines for professionals interested in the field of banks and linguistics to deal with this variety of language for specific purposes.

Marketing potentials of the social media tools in the banking market of an emerging country

Directory of Open Access Journals (Sweden)

Akwesi Assensoh-Kodua

2016-11-01

Full Text Available There are many facts that attest to the pervasiveness of social media applications in the current world of business. This communication medium is replacing the well-known emails and complimenting the likes of short message service (SMS and instant messaging and chatting. As part of technology, which is revolutionising the way we do business and live, organizations worldwide are gearing up efforts to take advantage of this phenomenon. In South Africa, the story is the same. However, the Banks in South Africa seems to have problems selling this form of communication to their clientele to augment their service delivery. In view of this, the current study aimed to research into social media concept in South Africa, to highlight its trajectory pros and cons, and investigate why it is not being adopted by these clients, in addition to measuring the continuance intention of those who have accepted banking through social media. It was discovered that, social norm (β=0.579, perceived trust (β=0.510 and user satisfaction (β=0.332, in that order, stood out as the most influencing factors impacting on user acceptance and continuance intention (β=0.384 of social media usage for banking. Perceived behavioural control made no significant impact on users to adopt social media for financial services. As the banking industry keeps investing in the marketing potentials of social media tools for banking, in order to gain competitive advantage in customer service delivery, this social media usage could make a lot of difference when well researched into and managed. In some countries, banking customers are able to do their banking through social media sites, but little is known in South Africa (according to research, regarding the usage of this tool for banking purposes

TV MEDIA ANALYSIS FOR BANKING CATEGORY (2012

Directory of Open Access Journals (Sweden)

Alexandra Elena POȘTOACĂ

2014-04-01

Full Text Available This article represents a short overview of the media landscape for the banking category in Romania in 2012. Unlike the other categories (for example FMCG – fast moving consumer goods, the banking category is more complex because every bank can communicate for a wider range of products (credits, deposits, packages dedicated to students, pensioners and other types of banking products. In the first part of this paper, there will be presented some theoretical notions about media planning and media analyses in order for the lecturer to easily go through the second part of the article. The second part of the paper will only refer to TV analyses. This media channel owns the highest budget share in our category, and also in the media mix of every important player, active in the Romanian market. The analyses will show which bank communicated most effectively, which is the most important spender on TV, what banking products had the largest budget allocated, which is the pattern for this category when it comes to allocating audience points for each day interval and so on. The starting point of this analyses is based on the secondary data obtained from InfoSys+ which is the world’s leading TV analyses software, used in more than 29 countries by 8000+ users.

Depressive symptoms in breast cancer: Beck Depression Inventory - Short Form

OpenAIRE

Cangussu, Renata de Oliveira; Soares, Thiago Barbabela de Castro; Barra, Alexandre de Almeida; Nicolato, Rodrigo

2010-01-01

Objetivos: Verificar a prevalência de sintomas depressivos em mulheres com câncer de mama e identificar os fatores de risco associados à sua ocorrência. Métodos: Foi realizado um estudo transversal, em que foram entrevistadas 71 mulheres com câncer de mama. Foram empregados dois instrumentos: um questionário para verificar os dados sociodemográficos e clínicos e o Inventário de Depressão de Beck – Short Form (BDI-SF), para avaliação dos sintomas depressivos. Para análise dos da...

Is shadow banking really banking?

OpenAIRE

Bryan J. Noeth; Rajdeep Sengupta

2011-01-01

To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

The Banking Counter-Guarantee. Juridical Regime

Directory of Open Access Journals (Sweden)

Postolache Rada

2009-06-01

Full Text Available Not so much studied by the specialised literature, the banking counter-guarantee may beconfounded with the other types of guarantee which frequently go with the guaranteed obligation –simple guarantee, collateral guarantee, the confirmation of the guarantee. The counter-guarantee may bean independent or accessory obligation, as the case may be, exclusively governed by its text, accordingto the parties’ will. At the same time, it is a complex juridical act, a contract whose contents cannot beset apart from the contracts connected form an “economic” point of view. The counter-guarantee is theresult of the banking practice and is generated by the need to make amends for the flaws generated bythe direct guarantee. The present research is focused on the analysis of the banking practice, normativeacts, jurisprudence and banking juridical literature.

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

Rahmatina A. Kasri

2017-08-01

Full Text Available Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data from 256 customers of Indonesia Islamic banks in 2015 and by utilizing factor analysis and descriptive statistics. In theory, Islamic banks tend to be more resilient towards any macroeconomic or financial shocks as compared to conventional banks due to the nature of its asset-based and risk-sharing arrangement. However, the result exhibits that both psychological and fundamental factors (i.e. macroeconomics and bank fundamentals strongly influence the behaviors of Islamic banking depositors to withdraw their funds, which might trigger the occurrence of bank runs in the country. Insider information, macroeconomic condition and bank fundamental factors are also shown to have the highest impacts among all variables. Hence, in the context of banking stability, the finding implies that Islamic banks are not completely immune to the impacts of macroeconomic shocks or financial crisis. As a country with a dual banking system, Indonesia had experienced several bank runs since 1990s. Therefore, the findings of the study should provide the policy makers important insight into research based-policy in order to attain financial stability as one of the main economic goals of the country. Keywords: Bank run, Islamic bank, Factor analysis, Indonesia JEL Classification: C83, G21, G28

Liquidity Regulation, the Central Bank, and the Money Market

OpenAIRE

Scheubel, Beatrice; Körding, Julia

2013-01-01

As reliance on excessively short-term wholesale funding has been one of the major causes for the 2007-2009 financial crisis, recent advances in global liquidity regulation try to curb the excessive reliance on short-term wholesale funding without being clear on how such an approach will affect the overall equilibrium on money markets. In particular, liquidity regulation may interfere with the central bank's influence on short-term money market rates. This paper tries to fill the gap in unders...

Effects of a tailor-made exercise program on exercise adherence and health outcomes in patients with knee osteoarthritis: a mixed-methods pilot study.

Science.gov (United States)

Lee, Fung-Kam Iris; Lee, Tze-Fan Diana; So, Winnie Kwok-Wei

2016-01-01

Previous studies showed that exercise intervention was effective in symptoms control of knee osteoarthritis (OA) but poor intervention adherence reduced the exercise effect. It has been suspected that the design of exercise intervention mainly from the health care professionals' perspective could not address the patients' barriers to exercise. Therefore, a tailor-made exercise program which incorporated the patient's perspective in the design was developed and ready for evaluation. This pilot study estimated the effects of a tailor-made exercise program on exercise adherence and health outcomes, and explored the participants' perception and experience of the program. The intervention of this study was a 4-week community-based group exercise program, which required the participants to attend a 1-hour session each week. Thirty-four older people with knee OA were recruited to the program. Mixed-methods study design was used to estimate the effects of this program and explore the participants' perception and experience of the program. Exercise adherence and performance in return-demonstration of the exercise were assessed at 12 weeks after the program. Disease-specific health status (Western Ontario and McMaster Universities Osteoarthritis Index), general health status (12-item Short Form of the Medical Outcome Study Questionnaire), knee range of motion, muscle strength, and endurance of the lower extremities (Timed-Stands Test) were measured at the beginning of the program and 12 weeks after. Six participants were interviewed individually on the 12th week. Thirty-three participants (75.0±7.3 years) completed the one-group pretest and post-test study. The participants' exercise adherence was 91.4%±14.54%, and their correct performance in return-demonstration was 76.7%±21.75%. Most of the participants' health outcomes significantly improved at posttests except the 12-item Short Form of the Medical Outcome Study Questionnaire physical health summary score. The

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

Sharia Bank Product Development through Mudhrabah Investment

Directory of Open Access Journals (Sweden)

Trimulato Trimulato

2016-12-01

Full Text Available Sharia banking now has a strong legal framework with the presence of law number 21 of 2008 on sharia banking in Indonesia. This regulation enforces sharia banking to develop products to achieve the targeted market share of 5%. In third-party fund products, more innovation is needed to attract people to entrust their funds in sharia banks. The visible data of mudharabah fund raising deposit products in March 2013 amounted to Rp100.746.000.000 and Rp115.728.000.000 in mudharabah deposits was visible on April 2014, which is an increase of less than 2% each month. This research uses a qualitative descriptive methodology, and is focused on fund raising products in shari'ah banking, particularly in the form of mudharabah investments for a definitive result. The results show that sharia banking requires innovative fund raising for third-party products, such as mudharabah investment products. These investments provide certainty of results despite using mudharabah and are based on the certainty that projector financing has been agreed by the sharia with the creditor banks. This investment product can be offered to both individuals and groups/collectives. Keywords: sharia banking, investment, mudharabah

Bank Diversification Effects on Bank Performance and Risk Profile of Bank in Indonesia

Directory of Open Access Journals (Sweden)

Anthony Lukmawijaya

2015-05-01

Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.

Analisis Faktor Kualitas Pelayanan di Bank Syariah (Studi Pada PT Bank Muamalat Indonesia

Directory of Open Access Journals (Sweden)

S. Suryani

2015-03-01

Full Text Available Factor Analysis on Services Quality in Islamic Bank (Study at PT Bank Muamalat Indonesia. The aim of this study is to determine and identify the factors forming quality of service in PT. Bank Muamalat Indonesia, Tbk Branch Medan. Instruments of research use questionnaires and factor analysis. This research is quantitative research using survey methods. The sample method that used in this research is accidental sampling. The reliability and validity test shown that 13 question had been fulfilled the reliability and validity requirements. From the extraction gives three factors. Factor 1 explained 45,299%, factor 2 explained 12,819%, and factor 3 explained 8,904%. The results show that quality of communication is dominant factor to explain service quality. Then product innovation and physical aspects  DOI:10.15408/aiq.v6i2.1233

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bank-specific characteristics, (c) banking sectorconcentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, the results suggest that restricting foreign bank entry boosts bank net interest margins. Also, restr...

The Best Way to Rob a Bank

OpenAIRE

Aleksandar Marsavelski; John Braithwaite

2018-01-01

Cohen and Machalek’s (1988) evolutionary ecological theory of crime explains why obscure forms of predation can be the most lucrative. Sutherland explained that it is better to rob a bank at the point of a pen than of a gun. The US Savings and Loans scandal of the 1980s suggested ‘the best way to rob a bank is to own one’. Lure constituted by the anomie of warfare and transition to capitalism in former Yugoslavia revealed that the best way to rob a bank is to control the regulatory system: th...

E-BANKING- MODERN BANKING SERVICES

Directory of Open Access Journals (Sweden)

MIRANDA PETRONELLA VLAD

2009-05-01

Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have

[Validation of the French version of the Maternal Self-report Inventory (short form)].

Science.gov (United States)

Denis, A; Séjourné, N; Callahan, S

2013-06-01

Self-esteem is defined as the opinion of one's self that one establishes and maintains during the lifetime. Self-esteem is considered to be based on general as well as specific elements that define the individual's identity. Whereas overall self-esteem evolves over the lifespan, specific elements change regularly and thus have an impact on these specific types of self-esteem. Maternity is a central defining element of a woman's life, and it is believed that a woman can develop a specific self-esteem based on her experience of motherhood. Many studies have shown how overall self-esteem is affected during the perinatal period, and the relationship between self-esteem and other variables, notably post-partum depression. The objective of this study was to translate, evaluate, and validate the short version of the Maternal Self-Esteem Inventory (MSI, Shea & Tronick in 1988) for use in French populations. The MSI short form is a 26-item questionnaire using a Likert response format in five points. The sample was composed of 251 French female participants (mean age 30; SD=4.52) who had given birth two days earlier. Participants completed the MSI and the Edinburgh Post-natal Depression Scale (EDPS). The results of a factorial analysis showed five factors which partially correspond to the original English version of the MSI short form. These five factors were negatively correlated to the EPDS. The five factors showed good to excellent internal consistency. The current study provides a translated and validated version of the MSI short form in French. It provides a specific indicator of self-esteem with regards to motherhood and the experience of maternity. The MSI can provide useful data that can help identify women at risk for negative feelings about themselves, which can lead later to manifestations of perinatal psychopathology (e.g, post-partum depression). Copyright © 2012 L’Encéphale, Paris. Published by Elsevier Masson SAS. All rights reserved.

Some Clarity on Banks as Financial Intermediaries and Money 'Creators'

OpenAIRE

Robert W Vivian and Nicholas Spearman

2015-01-01

Although the phrase ‘banks create money’ forms part of popular discourse, it has precipitated a factually incorrect understanding of a bank’s role in the money creation process. Bank money creation is the result of an underlying value-for-value exchange transaction; the bank facilitates the transaction, takes over responsibility for obligations created and records the money created—the bank is not the source of money creation. This has long been understood, even if it is not immediate...

Internet Banking integration within the banking system

Directory of Open Access Journals (Sweden)

Constantin Marian MATEI

2008-01-01

Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

Taming Parasites by Tailoring Them

Directory of Open Access Journals (Sweden)

Bingjian Ren

2017-07-01

Full Text Available The next-generation gene editing based on CRISPR (clustered regularly interspaced short palindromic repeats has been successfully implemented in a wide range of organisms including some protozoan parasites. However, application of such a versatile game-changing technology in molecular parasitology remains fairly underexplored. Here, we briefly introduce state-of-the-art in human and mouse research and usher new directions to drive the parasitology research in the years to come. In precise, we outline contemporary ways to embolden existing apicomplexan and kinetoplastid parasite models by commissioning front-line gene-tailoring methods, and illustrate how we can break the enduring gridlock of gene manipulation in non-model parasitic protists to tackle intriguing questions that remain long unresolved otherwise. We show how a judicious solicitation of the CRISPR technology can eventually balance out the two facets of pathogen-host interplay.

Interest Free Banking in Nigeria - Welcome Islamic Banking ...

African Journals Online (AJOL)

Interest Free Banking in Nigeria - Welcome Islamic Banking; Welcome Christian Banking. ... banks pay interest on deposits, and charge interest on loans and advances, ... However, the literature on interest rates, in relation to Commercial Bank ...

Evaluating Short-Form Versions of the CES-D for Measuring Depressive Symptoms among Immigrants from Mexico

Science.gov (United States)

Grzywacz, Joseph G.; Hovey, Joseph D.; Seligman, Laura D.; Arcury, Thomas A.; Quandt, Sara A.

2006-01-01

This article examines the feasibility of using a short-form version of the Center for Epidemiologic Studies-Depression Scale (CES-D) in community mental health research with Mexican immigrants. Several features of three published short versions of the CES-D were examined using data combined from seven diverse Mexican immigrant samples from across…

Data bank system in JFT-2M tokamak

International Nuclear Information System (INIS)

Takada, S.; Matsuda, T.; Miura, Y.; Mori, M.; Kawakami, T.; Matoba, T.

1987-01-01

It is very important to keep suitably and use effectively experimental data in the field of fusion research. The data bank system for fusion experiment can be classified into the following two forms, according to the type of their use: (1) Rapid Analysis Data Bank System; (2) High Quality Data Bank System. And their features are summarized. The data bank system of the former type was prepared for JFT-2M tokamak on the basis of the above classification. By introduction of this data bank system, the following results can be obtained: (1) Rationalization of data analyzing procedure; (2) Improvement of reliability by exclusion of bad data; (3) Easy expansions of analyzing function and tool development; (4) Space saving by extraction and compression of key information

Manufacturing of tailored tubes with a process integrated heat treatment

Science.gov (United States)

Hordych, Illia; Boiarkin, Viacheslav; Rodman, Dmytro; Nürnberger, Florian

2017-10-01

The usage of work-pieces with tailored properties allows for reducing costs and materials. One example are tailored tubes that can be used as end parts e.g. in the automotive industry or in domestic applications as well as semi-finished products for subsequent controlled deformation processes. An innovative technology to manufacture tubes is roll forming with a subsequent inductive heating and adapted quenching to obtain tailored properties in the longitudinal direction. This processing offers a great potential for the production of tubes with a wide range of properties, although this novel approach still requires a suited process design. Based on experimental data, a process simulation is being developed. The simulation shall be suitable for a virtual design of the tubes and allows for gaining a deeper understanding of the required processing. The model proposed shall predict microstructural and mechanical tube properties by considering process parameters, different geometries, batch-related influences etc. A validation is carried out using experimental data of tubes manufactured from various steel grades.

Short- and medium-term efficacy of a Web-based computer-tailored nutrition education intervention for adults including cognitive and environmental feedback: randomized controlled trial.

Science.gov (United States)

Springvloet, Linda; Lechner, Lilian; de Vries, Hein; Candel, Math J J M; Oenema, Anke

2015-01-19

Web-based, computer-tailored nutrition education interventions can be effective in modifying self-reported dietary behaviors. Traditional computer-tailored programs primarily targeted individual cognitions (knowledge, awareness, attitude, self-efficacy). Tailoring on additional variables such as self-regulation processes and environmental-level factors (the home food environment arrangement and perception of availability and prices of healthy food products in supermarkets) may improve efficacy and effect sizes (ES) of Web-based computer-tailored nutrition education interventions. This study evaluated the short- and medium-term efficacy and educational differences in efficacy of a cognitive and environmental feedback version of a Web-based computer-tailored nutrition education intervention on self-reported fruit, vegetable, high-energy snack, and saturated fat intake compared to generic nutrition information in the total sample and among participants who did not comply with dietary guidelines (the risk groups). A randomized controlled trial was conducted with a basic (tailored intervention targeting individual cognition and self-regulation processes; n=456), plus (basic intervention additionally targeting environmental-level factors; n=459), and control (generic nutrition information; n=434) group. Participants were recruited from the general population and randomly assigned to a study group. Self-reported fruit, vegetable, high-energy snack, and saturated fat intake were assessed at baseline and at 1- (T1) and 4-months (T2) postintervention using online questionnaires. Linear mixed model analyses examined group differences in change over time. Educational differences were examined with group×time×education interaction terms. In the total sample, the basic (T1: ES=-0.30; T2: ES=-0.18) and plus intervention groups (T1: ES=-0.29; T2: ES=-0.27) had larger decreases in high-energy snack intake than the control group. The basic version resulted in a larger decrease in

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to...

Pengaruh Kualitas Layanan Mobile Banking (M-Banking Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking Service Quality on Customer Satisfaction in Indonesia

Directory of Open Access Journals (Sweden)

Aditya Wardhana

2015-09-01

Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

Central bank balance sheet concerns and credible optimal escape from the Liquidity trap

OpenAIRE

Mendes, Arthur Galego

2001-01-01

I show that when a central bank is financially independent from the treasury and has balance sheet concerns, an increase in the size or a change in the composition of the central bank's balance sheet (quantitative easing) can serve as a commitment device in a liquidity trap scenario. In particular, when the short-term interest rate is up against the zero lower bound, an open market operation by the central bank that involves purchases of long-term bonds can help mitigate the ...

Psychometric properties of Positive and Negative Affect Schedule (PANAS) original and short forms in an African American community sample.

Science.gov (United States)

Merz, Erin L; Malcarne, Vanessa L; Roesch, Scott C; Ko, Celine M; Emerson, Marc; Roma, Vincenzo G; Sadler, Georgia Robins

2013-12-01

The Positive and Negative Affect Schedule (PANAS) has been widely used as a self-report measure of affect in community and clinical contexts. However, evaluations of the psychometric properties of PANAS scores have been limited in diverse ethnic groups. Several short forms of the PANAS have also been proposed, but very little is known about the psychometric properties of these versions. The present study investigated the psychometric properties, including the factor structure of the original PANAS and two short forms in an African American community sample (N=239). Descriptive, internal consistency reliability, factorial validity, and measurement invariance analyses were conducted. All PANAS subscales from the original and short forms had adequate internal consistency. For the original PANAS, the model specifying three correlated factors (Positive Affect, Afraid, Upset) with correlated uniquenesses from redundant items provided the best fit to the data. However, the two-factor model (Positive Affect, Negative Affect) with correlated uniquenesses was also supported. For both short forms, the two-factor model with correlated uniquenesses fit the data best. Factors from all forms were generally invariant across age and gender, although there was some minor invariance at the item level. Participants were from a limited geographic area and one ethnic group. Indicators of anxiety, depression, and cultural characteristics were not measured. The factor structure was replicated, suggesting no immediate concerns regarding the valid interpretation of PANAS scores. The results support the reliability and validity of the PANAS and its short forms for use among African Americans. © 2013 Elsevier B.V. All rights reserved.

The impact of the new regulatory paradigm on the role of banks in financing the economy

OpenAIRE

Barut, M.-L.; Rouillé, N.; Sanchez, M.

2015-01-01

The financial crisis exposed the weaknesses and excesses of the banking system, notably its growing reliance on short-term market financing, excessive levels of leverage, and the fact that many banks were conducting high-risk market activities alongside retail banking activities. In 2009, in reaction to the crisis, regulatory authorities embarked on an ambitious agenda of reforms to financial regulations, aimed at cleaning up and reinforcing the banking system and ensuring it can meet the cre...

Marketing implications of self-service technologies amongst online banking customers

OpenAIRE

2012-01-01

M. Comm. The overall goal of this short dissertation is the investigation of self-service technologies with reference to online banking. As the issue of security is one of the main factors to adoption of self-service technologies, it will be the main focus of the study. The focus of the investigation concerns the security perceptions of consumers with regard to selfservice technologies and online banking, and thus determine a framework that groups consumers based on these security percepti...

Deer browsing delays succession by altering aboveground vegetation and belowground seed banks.

Directory of Open Access Journals (Sweden)

Antonio DiTommaso

Full Text Available Soil seed bank composition is important to the recovery of natural and semi-natural areas from disturbance and serves as a safeguard against environmental catastrophe. White-tailed deer (Odocoileus virginianus populations have increased dramatically in eastern North America over the past century and can have strong impacts on aboveground vegetation, but their impacts on seed bank dynamics are less known. To document the long-term effects of deer browsing on plant successional dynamics, we studied the impacts of deer on both aboveground vegetation and seed bank composition in plant communities following agricultural abandonment. In 2005, we established six 15 × 15 m fenced enclosures and paired open plots in recently followed agricultural fields near Ithaca, NY, USA. In late October of each of six years (2005-2010, we collected soil from each plot and conducted seed germination cycles in a greenhouse to document seed bank composition. These data were compared to measurements of aboveground plant cover (2005-2008 and tree density (2005-2012. The impacts of deer browsing on aboveground vegetation were severe and immediate, resulting in significantly more bare soil, reduced plant biomass, reduced recruitment of woody species, and relatively fewer native species. These impacts persisted throughout the experiment. The impacts of browsing were even stronger on seed bank dynamics. Browsing resulted in significantly decreased overall species richness (but higher diversity, reduced seed bank abundance, relatively more short-lived species (annuals and biennials, and fewer native species. Both seed bank richness and the relative abundance of annuals/biennials were mirrored in the aboveground vegetation. Thus, deer browsing has long-term and potentially reinforcing impacts on secondary succession, slowing succession by selectively consuming native perennials and woody species and favoring the persistence of short-lived, introduced species that continually

Flora, life form and chorological study of soil seed bank in Sisangan box tree (Buxus hyrcanus Pojark Forest Reserve

Directory of Open Access Journals (Sweden)

Moslem Akbarinia

2014-08-01

Full Text Available The present study involves the soil seed bank flora of the Sisangan Box tree (Buxus hyrcanus Pojark reserve by using seedling emergence method. 150 soil samples were collected during late June and early November by hammering a hollow metal frame 400 cm2 to a depth of 5 cm. Results showed 67 species, representing 63 genera and 38 families germinated from soil seed bank. 45 species belonging to 28 families and 59 species belonging to 32 families were recorded in June and November soil seed bank respectively. The largest families were Asteraceae (7 species, 10.5%, Lamiaceae (6 species, 9%, Poaceae (5 species, 7.5% and Rosaceae (4 species, 6% which compromised 32.8% percent of the total species in the soil seed bank. Results also showed that Hemicrptophytes (28.4% and Euro-Sibria elements (23/9% were the most important biological spectrum and phytochorion respectivly in the soil seed bank of Sisangan forest. From the total number of species recorded in seed bank, 30 species (44.6 % were found only in the seed bank and never observed in above-ground vegetation. In this regard, seeds of 10 woody species including Albizia julibrissin, Ficus carica, Morus alba, Diospyrus lotus, Celtis australis, Gleditsia caspica, Buxus hyrcana, Ulmus minor, Zelkova carpinifolia and Carpinus betulus were found in the soil seed bank, from which only 6 species were able to produce persistent soil seed bank. This condition confirmed low similarity between above-ground vegetation and persistent soil seed bank and it also reiterated the importance of soil seed bank study for introducing more accurate capacity of plant biodiversity.

12 CFR Appendix B to Part 411 - Disclosure Form To Report Lobbying

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Disclosure Form To Report Lobbying B Appendix B to Part 411 Banks and Banking EXPORT-IMPORT BANK OF THE UNITED STATES NEW RESTRICTIONS ON LOBBYING Pt. 411, App. B Appendix B to Part 411—Disclosure Form To Report Lobbying EC23SE91.003 EC23SE91.004...

Checking and Balancing: Banking and Budgeting.

Science.gov (United States)

Thypin, Marilyn; Glasner, Lynne

A short fictional work for limited English speakers is presented that relates a young couple's experience in learning about managing their money more carefully by budgeting and maintaining a checking account. Since the couple did not have a checking account, they had to go to their savings bank in order to pay each bill and they had to keep cash…

Message banking: Perceptions of persons with motor neuron disease, significant others and clinicians.

Science.gov (United States)

Oosthuizen, Imke; Dada, Shakila; Bornman, Juan; Koul, Rajinder

2017-07-31

Message banking is an intervention strategy that has the potential to facilitate effective communication for people with motor neuron disease when their condition deteriorates to the extent that they cannot communicate using natural speech. The aim of the current study was to determine and compare the perceptions on message banking of three stakeholder groups, namely, persons with motor neuron disease, their significant others and speech-language pathologists. A comparative group survey design was used. Participants listened to a short presentation about message banking, after which they individually completed a questionnaire. Although most participants reported that they had never heard of message banking, all were interested in it. The survey results revealed statistically significant differences between the various groups of stakeholders regarding the relevance of message banking and types of messages to bank. The study concluded that there is limited awareness about message banking amongst all participant groups.

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...

Deep drawing simulation of Tailored Blanks

NARCIS (Netherlands)

van den Berg, Albert; Meinders, Vincent T.; Stokman, B.

1998-01-01

Tailored blanks are increasingly used in the automotive industry. A tailored blank consists of different metal parts, which are joined by a welding process. These metal parts usually have different material properties. Hence, the main advantage of using a tailored blank is to provide the right

The VAT in the bank system

Directory of Open Access Journals (Sweden)

Krzysztof Biernacki

2013-07-01

Full Text Available The bank system in the European Union plays an important role as a significant sector of the economy. Implementing in the last century -VAT exemption also for services performed by banks generates extra tax inflows, but decreases international competitiveness of this sector. However, VAT is a perfect consumption tax, alternatives were created for banks’ services taxation. As the paper shows, many of them are used in other then EU countries and provide smaller distortions in taxation. The aim of this article is to shortly present the dominant model of VAT taxation in the EU with a particular reference to banks’ services and describe an alternative method of taxating them. The analysis will also refer to introducing a new Financial Transaction Tax since 2014.

Certain aspects of the accounting of the bank guarantee at the principal and the beneficiary

Directory of Open Access Journals (Sweden)

L. A. Zimakova

2016-01-01

Full Text Available For any kind of business such category as risks is peculiar. The research of this category was conducted by scientists from the different sides, certain approaches of protection against risks were developed and instruments of decrease in financial risks are offered. The bank guarantee is one of the most demanded instruments of additional financial protection today. Its active using of the commercial organizations courses questions of the organization of the detailed accounting of guarantees at the principal and the beneficiary. A little concerning the historical aspect of the bank guarantee, authors provided the overview of the determinations of "bank guarantee" characterizing it as the banking service providing distribution of responsibility between the guarantor and the principal under certain conditions. Having considered the essence of the legal nature and features of the bank guarantee recommendations about the organization of the disaggregated financial accounting on off-balance accounts were developed. In particular, need of allocation of a currency type as the directions of conducting the analytics providing correctness of reflection of cost criterion is proved. For the purpose of control of timeliness of carrying out calculations it is recommended to allocate guarantees: coincident and in coincident with primary obligation; short-term and long-term. From the point of view of nature of guarantees payment guarantees and guarantees of obligation fulfilment were allocated. These recommendations concern the beneficiary, and lack of accounting entries at a principal generates need of creation of additional registers and analytical reports which forms were offered by authors. The provided recommendations will allow obtaining transparent information on bank guarantees for the purpose of its full disclosure in the financial reporting.

Design of Tailored Non-Crimp Fabrics Based on Stitching Geometry

Science.gov (United States)

Krieger, Helga; Gries, Thomas; Stapleton, Scott E.

2018-02-01

Automation of the preforming process brings up two opposing requirements for the used engineering fabric. On the one hand, the fabric requires a sufficient drapeability, or low shear stiffness, for forming into double-curved geometries; but on the other hand, the fabric requires a high form stability, or high shear stiffness, for automated handling. To meet both requirements tailored non-crimp fabrics (TNCFs) are proposed. While the stitching has little structural influence on the final part, it virtually dictates the TNCFs local capability to shear and drape over a mold during preforming. The shear stiffness of TNCFs is designed by defining the local stitching geometry. NCFs with chain stitch have a comparatively high shear stiffness and NCFs with a stitch angle close to the symmetry stitch angle have a very low shear stiffness. A method to design the component specific local stitching parameters of TNCFs is discussed. For validation of the method, NCFs with designed tailored stitching parameters were manufactured and compared to benchmark NCFs with uniform stitching parameters. The designed TNCFs showed both, generally a high form stability and in locally required zones a good drapeability, in drape experiments over an elongated hemisphere.

The IAEA energy and economic data bank

International Nuclear Information System (INIS)

Charpentier, J.P.; Russell, J.E.

1978-01-01

In 1976, the IAEA established a computerized energy and economic data bank not only on nuclear energy but on other forms of energy as well. The purpose of the data bank is to provide in a unified and systematic way energy and related economic data needed for long-term energy planning. A computer program permits the production of a variety of up-to-date tables and graphs

Is banking supervision central to central banking?

OpenAIRE

Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

1997-01-01

Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

An Internet- and mobile-based tailored intervention to enhance maintenance of physical activity after cardiac rehabilitation: short-term results of a randomized controlled trial.

Science.gov (United States)

Antypas, Konstantinos; Wangberg, Silje C

2014-03-11

An increase in physical activity for secondary prevention of cardiovascular disease and cardiac rehabilitation has multiple therapeutic benefits, including decreased mortality. Internet- and mobile-based interventions for physical activity have shown promising results in helping users increase or maintain their level of physical activity in general and specifically in secondary prevention of cardiovascular diseases and cardiac rehabilitation. One component related to the efficacy of these interventions is tailoring of the content to the individual. Our trial assessed the effect of a longitudinally tailored Internet- and mobile-based intervention for physical activity as an extension of a face-to-face cardiac rehabilitation stay. We hypothesized that users of the tailored intervention would maintain their physical activity level better than users of the nontailored version. The study population included adult participants of a cardiac rehabilitation program in Norway with home Internet access and a mobile phone. The participants were randomized in monthly clusters to a tailored or nontailored (control) intervention group. All participants had access to a website with information regarding cardiac rehabilitation, an online discussion forum, and an online activity calendar. Those using the tailored intervention received tailored content based on models of health behavior via the website and mobile fully automated text messages. The main outcome was self-reported level of physical activity, which was obtained using an online international physical activity questionnaire at baseline, at discharge, and at 1 month and 3 months after discharge from the cardiac rehabilitation program. Included in the study were 69 participants. One month after discharge, the tailored intervention group (n=10) had a higher median level of overall physical activity (median 2737.5, IQR 4200.2) than the control group (n=14, median 1650.0, IQR 2443.5), but the difference was not significant

AKAD BAKU PADA PEMBIAYAAN MURABAHAH DI BANK SYARIAH

Directory of Open Access Journals (Sweden)

Trisadini Prasastinah Usanti

2013-01-01

Full Text Available The implementation of standard contract has become a business necessity which is acceptable by the community with all its pros and cons. Terms of kontrak baku is derived from the translation of Standard Contract in English language. Standard contract is an agreement which has been determined and manifested in a form. The use of standard contract is a manifestation of the businessman’s business efficiency. In the practice of Islamic banking, murabahah financing contract set forth in the form of raw materials, the customer who received the financing facilities would not be given the opportunity to negotiate the murabahah financing contract substations. The existence of standard contract in murabahah financing in Islamic banks is not contrary to Islamic principles. The substance of standard contract in murabahah financing in some Islamic banks has loaded articles that match with the characteristics of murabahah financing and has also contained minimum requirements that must be present in the contract as specified in the Fatwa of National Sharia Council which are formulated in Bank Indonesia Regulation.

12 CFR 573.2 - Model privacy form and examples.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Model privacy form and examples. 573.2 Section... FINANCIAL INFORMATION § 573.2 Model privacy form and examples. (a) Model privacy form. Use of the model... privacy form is not required. (b) Examples. The examples in this part are not exclusive. Compliance with...

Banking on Fatherhood: Pilot Studies of a Computerized Educational Tool on Sperm Banking before Cancer Treatment

Science.gov (United States)

Huyghe, Eric; Martinetti, Paul; Sui, Dawen; Schover, Leslie R.

2011-01-01

OBJECTIVES We conducted pilot studies of the feasibility and efficacy of an interactive, computerized educational tool, Banking on Fatherhood (BOF METHODS Two small randomized trials were conducted, with 20 male cancer patients eligible to bank sperm in Study 1 and 19 oncology fellows or residents in Study 2. In each trial, half of subjects viewed BOF before completing questionnaires, and half viewed it afterwards. Outcome measures included a knowledge test in both trials and a decisional conflict scale in the patient trial. All participants, plus a panel of ten experts, ultimately viewed BOF and completed a form evaluating its usability and value. RESULTS Patients who completed questionnaires after viewing BOF had significantly less decisional conflict about banking sperm than those who had not viewed it(P = 0.0065), but knowledge scores were not significantly different between groups. Physicians who filled out questionnaires after viewing BOF scored significantly higher on the Knowledge Test (P banking. Research with larger groups is needed to validate its effectiveness. PMID:19061198

Testing a Dutch web-based tailored lifestyle programme among adults: a study protocol

Directory of Open Access Journals (Sweden)

van Osch Liesbeth ADM

2011-02-01

Full Text Available Abstract Background Smoking, high alcohol consumption, unhealthy eating habits and physical inactivity often lead to (chronic diseases, such as cardiovascular diseases and cancer. Tailored online interventions have been proven to be effective in changing health behaviours. The aim of this study is to test and compare the effectiveness of two different tailoring strategies for changing lifestyle compared to a control group using a multiple health behaviour web-based approach. Methods In our Internet-based tailored programme, the five lifestyle behaviours of smoking, alcohol intake, fruit consumption, vegetable consumption, and physical activity are addressed. This randomized controlled trial, conducted among Dutch adults, includes two experimental groups (i.e., a sequential behaviour tailoring condition and a simultaneous behaviour tailoring condition and a control group. People in the sequential behaviour tailoring condition obtain feedback on whether their lifestyle behaviours meet the Dutch recommendations. Using a step-by-step approach, they are stimulated to continue with a computer tailored module to change only one unhealthy behaviour first. In the course of the study, they can proceed to change a second behaviour. People in the simultaneous behaviour tailoring condition receive computer tailored feedback about all their unhealthy behaviours during their first visit as a stimulation to change all unhealthy behaviours. The experimental groups can re-visit the website and can then receive ipsative feedback (i.e., current scores are compared to previous scores in order to give feedback about potential changes. The (difference in effectiveness of the different versions of the programme will be tested and compared to a control group, in which respondents only receive a short health risk appraisal. Programme evaluations will assess satisfaction with and appreciation and personal relevance of the intervention among the respondents. Finally

Accuracy of WISC-III and WAIS-IV short forms in patients with neurological disorders

NARCIS (Netherlands)

van Ool, Jans S.; Hurks, Petra P.M.; Snoeijen-Schouwenaars, Francesca M.; Tan, In Y.; Schelhaas, Helenius J.; Klinkenberg, Sylvia; Aldenkamp, Albert P.; Hendriksen, Jos G.M.

2018-01-01

The assessment of intellectual abilities is intensive, time-consuming, and might be considered burdensome for patients. We examined psychometric qualities of short forms (SFs) of the Wechsler Intelligence Scales for Children (WISC-third edition) and for adults (WAIS-fourth edition), in children (n =

A Factor Analytic Study of the Coopersmith Self-Esteem Inventory Adult Short Form.

Science.gov (United States)

Haines, Janet; Wilson, George V.

1988-01-01

A factor analysis was conducted on the Coopersmith Self-Esteem Inventory-Adult Short Form using 237 college students and 43 female office workers in Australia. Factors were found corresponding with three of the four subscales: general self, social self-peers, and home-parents (family). No factor related to the school-academic (work) subscale. (SLD)

12 CFR 22.6 - Required use of standard flood hazard determination form.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Required use of standard flood hazard determination form. 22.6 Section 22.6 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY... the Act. The standard flood hazard determination form may be used in a printed, computerized, or...

Short form of Demodex species mite in the dog: occurrence and measurements.

Science.gov (United States)

Chesney, C J

1999-02-01

A form of Demodex species mite shorter in length than Demodex canis was found in six consecutive cases of canine demodicosis. The mean length of the parasite was 122.6 microns (SD 12.0 microns, 39 mites counted), significantly shorter than either male or female forms of D canis (P < 0.0001). The proportion of short to long mites in each case varied from 0.5 to 22 per 100. In young dogs, skin signs associated with the presence of mites were first noted after about seven months, while in the oldest subject the disease became apparent at 10 years of age. This form of mite has now been found in four countries over three continents, the findings suggesting that it is not uncommon and is acquired in puppyhood, although it may be carried unnoticed for many years.

Regional Banks in the Russian Banking System

Directory of Open Access Journals (Sweden)

Mikhail Vitalyevich Leonov

2015-06-01

Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank

The Best Way to Rob a Bank

Directory of Open Access Journals (Sweden)

Aleksandar Marsavelski

2018-03-01

Full Text Available Cohen and Machalek’s (1988 evolutionary ecological theory of crime explains why obscure forms of predation can be the most lucrative. Sutherland explained that it is better to rob a bank at the point of a pen than of a gun. The US Savings and Loans scandal of the 1980s suggested ‘the best way to rob a bank is to own one’. Lure constituted by the anomie of warfare and transition to capitalism in former Yugoslavia revealed that the best way to rob a bank is to control the regulatory system: that is, to control a central bank. This makes possible theft of all the people’s money in a society. The criminological imagination must attune to anomie created by capitalism, and to the evolutionary ecology of lure.

Data bank for a data retrieval system

Energy Technology Data Exchange (ETDEWEB)

Vernikovskii, V V

1980-01-01

The data bank of the computerized data retrieval system is an organic and constituent part of the system; the level of technology and performance of the data retrieval system as a whole depend on the results of its design and operation. The data bank integrates a storage system for the entire set of data, as well as implementing an organization of a feasible storage mode for the system dictionary, computer processing procedures, user forms, system archieves and other service information. Functions of the data bank are computerized by means of a database control system. The retriveal system data bank was designed for the OKA database control system; the selection and evaluation of the feasibility of the OKA database control system, in turn, were one stage in the design of the system as a whole. The OKA database control system has been used to computerize data retrieval functions in the computerized data retrieval system, and also to maintain the system data bank in updated status.

12 CFR 716.2 - Model privacy form and examples.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Model privacy form and examples. 716.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION § 716.2 Model privacy form and examples. (a) Model privacy form..., although use of the model privacy form is not required. (b) Examples. The examples in this part are not...

Determinants of Banking Credit Default in Indonesia: A Comparative Analysis

Directory of Open Access Journals (Sweden)

Muhammad Imaduddin

2008-08-01

Full Text Available This study aims to analyze the determinants of Islamic banking credit default compared with conventional banking in Indonesia. This study utilized timeseries analysis, by which ordinary least square method is adopted. 40 monthly data observations from January 2003 until April 2006 are used. The study is divided into two models, namely Islamic banking model and conventional banking model. The values of non-performing financing (NPF in Islamic banking and non-performing loan (NPL in conventional banking are treated as the dependent variables. The results showed that two-month lagged of non-performing financing (NPF, total asset (ASSET, the amount of thirdparty-funds (TPF, one-month lagged of total financing (DFIN, and growthof gross-domestic product (GDPG variables have significant impact to the ratio of non-performing financing (NPF in Islamic banking. Meanwhile, the three-month lagged of non-performing loan (DDDNPL, total asset (CASSET, three-month as well as two-month period lagged of total loan (DDDCRED and DDCRED, inter-bank money market (PUAB, and growth of gross-domestic (GDPG are significant to influence the ratio of non-performing loan (NPL in conventional banking. The result also implied that the general election in 2004 had a significant influence to the ratio of non-performing financing (NPF in Islamic banking.Even tough from the outset, it seems Islamic banking has a better performance than conventional banking by having a relatively low NPF, this study, however, has found the opposite. Albeit, Islamic banking showing a good long-runas well as short-run dynamics among all variables in the beginning, after modifying the model into autoregressive in the main analysis, results showed that conventional banking has a better performance than Islamic banking with higher correlation of determination. In this regard, we cannot assume thatIslamic banking is performing poorly in managing credit default problems. This is because the result

Employee Perceptions of Workplace Health Promotion Programs: Comparison of a Tailored, Semi-Tailored, and Standardized Approach.

Science.gov (United States)

Street, Tamara D; Lacey, Sarah J

2018-04-28

In the design of workplace health promotion programs (WHPPs), employee perceptions represent an integral variable which is predicted to translate into rate of user engagement (i.e., participation) and program loyalty. This study evaluated employee perceptions of three workplace health programs promoting nutritional consumption and physical activity. Programs included: (1) an individually tailored consultation with an exercise physiologist and dietitian; (2) a semi-tailored 12-week SMS health message program; and (3) a standardized group workshop delivered by an expert. Participating employees from a transport company completed program evaluation surveys rating the overall program, affect, and utility of: consultations ( n = 19); SMS program ( n = 234); and workshops ( n = 86). Overall, participants’ affect and utility evaluations were positive for all programs, with the greatest satisfaction being reported in the tailored individual consultation and standardized group workshop conditions. Furthermore, mode of delivery and the physical presence of an expert health practitioner was more influential than the degree to which the information was tailored to the individual. Thus, the synergy in ratings between individually tailored consultations and standardized group workshops indicates that low-cost delivery health programs may be as appealing to employees as tailored, and comparatively high-cost, program options.

Organizational provision of management of bank financial and economic activities

Directory of Open Access Journals (Sweden)

O.V. Lysenok

2018-04-01

Full Text Available The article deals with the organizational support of the process of management of financial and economic activities of banking institutions. In particular, the activity of one of the main divisions of the Treasury Bank, which is created and acts as an independent unit, justifies the decision to make certain financial transactions on the relevant financial markets and manages cash flows through interaction with branches, departments and offices of the banking institution. The article also focuses on the problem of the lack of accurate and up-to-date information between the structural units that take part in the management of the finances of the banking institution. In connection with this, it is necessary to create an information and management field of the bank, which is a collection of organized information input and output flows on the financial and economic activities of the bank, forming a unified management information about the financial activities of the banking institution. The article also focuses on the concept of the creation of an informational and managerial tree, according to which, in the structure of management of financial and economic activity of a banking institution, it is necessary to allocate five levels, based on which the principle of obligatory passage of necessary information at all levels with a gradual systematization and generalization. The concept considered in the article gives an idea of the logic and methodology of creating the process of forming general managerial decisions regarding the financial and economic activity of the bank in the future.

German Translation and Validation of the Cognitive Style Questionnaire Short Form (CSQ-SF-D.

Directory of Open Access Journals (Sweden)

Quentin J M Huys

Full Text Available The Cognitive Style Questionnaire is a valuable tool for the assessment of hopeless cognitive styles in depression research, with predictive power in longitudinal studies. However, it is very burdensome to administer. Even the short form is still long, and neither this nor the original version exist in validated German translations.The questionnaire was translated from English to German, back-translated and commented on by clinicians. The reliability, factor structure and external validity of an online form of the questionnaire were examined on 214 participants. External validity was measured on a subset of 90 subjects.The resulting CSQ-SF-D had good to excellent reliability, both across items and subscales, and similar external validity to the original English version. The internality subscale appeared less robust than other subscales. A detailed analysis of individual item performance suggests that stable results could be achieved with a very short form (CSQ-VSF-D including only 27 of the 72 items.The CSQ-SF-D is a validated and freely distributed translation of the CSQ-SF into German. This should make efficient assessment of cognitive style in German samples more accessible to researchers.

Critical Assessment of Banking Institutions in South Africa

Directory of Open Access Journals (Sweden)

Bakam Fotso

2017-04-01

Full Text Available Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRAand descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.

RECEPTIVENESS OF INTERNET BANKING BY MALAYSIAN CONSUMERS: THE CASE OF PENANG

Directory of Open Access Journals (Sweden)

T. Ramayah

2003-01-01

Full Text Available This is a study about Internet banking acceptance in Malaysia. Due to the impending liberalization, Malaysian banks are desperately embracing this new distribution channel to prepare themselves for the competition which is looming in the near future. Although the awareness level is high, this has not translated into actual use as only 23% have had some Internet banking experience. Security, availability of infrastructure and complexity of technology were main concerns reported by the respondents which is hindering the migration from traditional banking to Internet banking. In terms of external variables only prior experience and external pressure has been found to influence the intention to use. Perceived ease of use and perceived usefulness has been found to be significantly related to intention and perceived usefulness has been found to be a better predictor of intention to use compared to ease of use. In short it can be concluded that perceived usefulness is the driver of the intention to use Internet banking. The implications of this research is further explored.

Validity and Reliability of International Physical Activity Questionnaire-Short Form in Chinese Youth

Science.gov (United States)

Wang, Chao; Chen, Peijie; Zhuang, Jie

2013-01-01

Purpose: The psychometric profiles of the widely used International Physical Activity Questionnaire-Short Form (IPAQ-SF) in Chinese youth have not been reported. The purpose of this study was to examine the validity and reliability of the IPAQ-SF using a sample of Chinese youth. Method: One thousand and twenty-one youth (M[subscript age] = 14.26 ±…

Mud Banks along the southwest coast of India are not too muddy for plankton.

Science.gov (United States)

Jyothibabu, R; Balachandran, K K; Jagadeesan, L; Karnan, C; Arunpandi, N; Naqvi, S W A; Pandiyarajan, R S

2018-02-07

Considering Alappuzha Mud Bank in the southern Kerala coast as a typical case of biologically productive Mud Banks that form along the southwest coast of India during the Southwest Monsoon (June - September), the present study addresses several pertinent missing links between the physical environment in Mud Banks and their influence on plankton stock. This study showed that very strong coastal upwelling prevails in the entire study domain during the Southwest Monsoon, which manifests itself in the form of significantly cool, hypoxic and nitrate-rich waters surfacing near the coast. The upwelled water persisting throughout the Southwest Monsoon period was found to have fuelled the exceptionally high phytoplankton stock in the entire study area, including the Mud Bank region. Having accepted that Mud Banks are special because of the calm sea surface conditions and relatively high turbidity level in the water column around them, the present study showed that except at points close to the sea bottom, turbidity level in the Alappuzha Mud Bank was below the critical level to inhibit the plankton stock. The suspended sediments that form in the Mud Bank occasionally could be attributed to the disturbance of the bottom fluid muddy layer and their vertical spurts.

Comparison of the Swedish STarT Back Screening Tool and the Short Form of the Örebro Musculoskeletal Pain Screening Questionnaire in patients with acute or subacute back and neck pain.

Science.gov (United States)

Forsbrand, Malin; Grahn, Birgitta; Hill, Jonathan C; Petersson, Ingemar F; Sennehed, Charlotte Post; Stigmar, Kjerstin

2017-02-21

Patients with back and neck pain are often seen in primary care and it is important to provide them with tailored interventions based on risk stratification/triage. The STarT Back Screening Tool (SBT) is a widely used screening questionnaire which has not yet been validated for a population with back and/or neck pain with short duration. Our aim was to compare the concurrent validity of the SBT and the short form of the ÖMPSQ including psychometric properties and clinical utility in a primary care setting. Patients who applied for physiotherapy by direct access (January 2013 to January 2014) at 35 primary care centers in south Sweden, with acute or subacute back and/or neck pain, aged 18-67 years, who were not currently on sick leave or had been on sick leave less than 60 days were asked to complete the SBT and ÖMPSQ-short questionnaire (n = 329). We used the Spearman's rank correlations to study correlations, cross tabulation and Cohen's kappa to analyze agreement of patient classification. Clinical utility was described as clinician scoring miscalculations and misclassifications of total and/or subscale scores. Completed SBT (9-items) and ÖMPSQ-short (10-items) data were available for 315/329 patients respectively. The statistical correlation for SBT and ÖMPSQ-short total scores was moderately strong (0.62, p neck pain. SBT seemed to be clinically feasible to use in clinical practice. We therefore suggest that SBT can be used for individuals with both BP and/or NP in primary care settings but it is important to be aware of that SBT's agreement with the ÖMPSQ-short was poor among females aged over 50 years. ClinicalTrials.gov ID: NCT02609750 Registered: November 18, 2015.

MEASURING THE CUSTOMER SATISFACTION OF ISLAMIC BANKING SECTOR IN BANGLADESH

Directory of Open Access Journals (Sweden)

Hossain Shahid SHOHROWARDHY

2015-08-01

Full Text Available The banking sector has been playing a significant role in achieving the economic growth of Bangladesh, where contribution of Islamic Banking Sector is remarkable. Islamic Banking Sector shows a substantial growth position in Bangladesh. Customer satisfaction is the most significant affecting phenomenon in determining the banking growth. Thus, this study attempts to measure the existing level of customer satisfaction of Islamic Banks in Bangladesh, using the Structural Equation Model (SEM. This study uses the 22 dimensions of customer satisfaction which used in the earlier studies in different countries for measuring the customer satisfaction of Islamic Banking Sector. A total of 385 samples have been taken from six full pledged Islamic Banks in Bangladesh. It reveals form the study that Human Resources and Systemization Service Delivery is the strongest indicator of customer satisfaction of Islamic Banking Sector in Bangladesh followed by Core Product, Service Capability and Social Responsibility. The findings therefore, may be helpful for policy-makers of banking authorities who have been making serious endeavor to sustain the growth of Islamic Banking Sector in Bangladesh.

Measurement Equivalence of the Patient Reported Outcomes Measurement Information System® (PROMIS®) Pain Interference Short Form Items: Application to Ethnically Diverse Cancer and Palliative Care Populations.

Science.gov (United States)

Teresi, Jeanne A; Ocepek-Welikson, Katja; Cook, Karon F; Kleinman, Marjorie; Ramirez, Mildred; Reid, M Carrington; Siu, Albert

2016-01-01

Reducing the response burden of standardized pain measures is desirable, particularly for individuals who are frail or live with chronic illness, e.g., those suffering from cancer and those in palliative care. The Patient Reported Outcome Measurement Information System ® (PROMIS ® ) project addressed this issue with the provision of computerized adaptive tests (CAT) and short form measures that can be used clinically and in research. Although there has been substantial evaluation of PROMIS item banks, little is known about the performance of PROMIS short forms, particularly in ethnically diverse groups. Reviewed in this article are findings related to the differential item functioning (DIF) and reliability of the PROMIS pain interference short forms across diverse sociodemographic groups. DIF hypotheses were generated for the PROMIS short form pain interference items. Initial analyses tested item response theory (IRT) model assumptions of unidimensionality and local independence. Dimensionality was evaluated using factor analytic methods; local dependence (LD) was tested using IRT-based LD indices. Wald tests were used to examine group differences in IRT parameters, and to test DIF hypotheses. A second DIF-detection method used in sensitivity analyses was based on ordinal logistic regression with a latent IRT-derived conditioning variable. Magnitude and impact of DIF were investigated, and reliability and item and scale information statistics were estimated. The reliability of the short form item set was excellent. However, there were a few items with high local dependency, which affected the estimation of the final discrimination parameters. As a result, the item, "How much did pain interfere with enjoyment of social activities?" was excluded in the DIF analyses for all subgroup comparisons. No items were hypothesized to show DIF for race and ethnicity; however, five items showed DIF after adjustment for multiple comparisons in both primary and sensitivity

Measurement Equivalence of the Patient Reported Outcomes Measurement Information System® (PROMIS®) Pain Interference Short Form Items: Application to Ethnically Diverse Cancer and Palliative Care Populations

Science.gov (United States)

Teresi, Jeanne A.; Ocepek-Welikson, Katja; Cook, Karon F.; Kleinman, Marjorie; Ramirez, Mildred; Reid, M. Carrington; Siu, Albert

2017-01-01

Reducing the response burden of standardized pain measures is desirable, particularly for individuals who are frail or live with chronic illness, e.g., those suffering from cancer and those in palliative care. The Patient Reported Outcome Measurement Information System® (PROMIS®) project addressed this issue with the provision of computerized adaptive tests (CAT) and short form measures that can be used clinically and in research. Although there has been substantial evaluation of PROMIS item banks, little is known about the performance of PROMIS short forms, particularly in ethnically diverse groups. Reviewed in this article are findings related to the differential item functioning (DIF) and reliability of the PROMIS pain interference short forms across diverse sociodemographic groups. Methods DIF hypotheses were generated for the PROMIS short form pain interference items. Initial analyses tested item response theory (IRT) model assumptions of unidimensionality and local independence. Dimensionality was evaluated using factor analytic methods; local dependence (LD) was tested using IRT-based LD indices. Wald tests were used to examine group differences in IRT parameters, and to test DIF hypotheses. A second DIF-detection method used in sensitivity analyses was based on ordinal logistic regression with a latent IRT-derived conditioning variable. Magnitude and impact of DIF were investigated, and reliability and item and scale information statistics were estimated. Results The reliability of the short form item set was excellent. However, there were a few items with high local dependency, which affected the estimation of the final discrimination parameters. As a result, the item, “How much did pain interfere with enjoyment of social activities?” was excluded in the DIF analyses for all subgroup comparisons. No items were hypothesized to show DIF for race and ethnicity; however, five items showed DIF after adjustment for multiple comparisons in both primary and

48 CFR 52.249-4 - Termination for Convenience of the Government (Services) (Short Form).

Science.gov (United States)

2010-10-01

... Convenience of the Government (Services) (Short Form). 52.249-4 Section 52.249-4 Federal Acquisition... CONTRACT CLAUSES Text of Provisions and Clauses 52.249-4 Termination for Convenience of the Government... convenience of the Government, limit termination settlement charges to services rendered before the date of...

MODEL KEBUTUHAN PARKIR MOBIL GEDUNG PERKANTORAN BANK DI KOTA MALANG

Directory of Open Access Journals (Sweden)

Pranoto Pranoto

2012-09-01

Full Text Available Abstract: The Model of Parking Lot Demand for Cars in Bank Office Building in Malang. This research is aimed  to know (l characteristic of car parking lot at bank  office, (2 mathematics model of the demand of parking lot for cars at bank office, and (3 Level of required standard for parking lot at bank office in  Malang. This research is divided into phases, which are: identifying phase, planning phase, acquiring data, analyses and conclusion. The result shows that (l the maximum accumulation of  car parked at  bank office reach at the daytime with duration between 15 -- 30 minutes. Maximum accumulation occurred between 09.30 -- 11.45 WIB, predominated by short-term parking, mostly occurred in 15 minutes; (2 the mathematics model for the parking demand is functioned as Y = 12.7712 + 0.0128 LLE, with R2 = 0.963, and (3 the required standard of car parking lot is one parking lot per 63 sqm total floor area  (minimum and one parking lot per 46 sqm effective floor area.

12 CFR 563g.7 - Form, content, and accounting.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Form, content, and accounting. 563g.7 Section... § 563g.7 Form, content, and accounting. (a) Form and content. Any offering circular or amendment filed... which they are made, not misleading. (b) Accounting requirements. To be declared effective an offering...

12 CFR 1805.501 - Comparability of form and value.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Comparability of form and value. 1805.501... Comparability of form and value. (a) Matching funds shall be at least comparable in form (e.g., equity investments, deposits, credit union shares, loans and grants) and value to financial assistance provided by...

Efficiency and stability: A comparative study between islamic and conventional banks in GCC countries

Directory of Open Access Journals (Sweden)

Mohammad Dulal Miah

2017-12-01

Full Text Available This research aims at examining the differences between Islamic and conventional banks in terms of business orientation, stability, and efficiency. Data for this research are collected from 48 conventional banks and 28 Islamic banks of the Gulf Cooperative Council (GCC countries over the period 2005 to 2014. Collected data are analyzed using accounting ratios, Stochastic Frontier Analysis (SFA, and ordinary least square (OLS regression technique. Results show that conventional banks are more efficient in managing cost than their Islamic counterparts. However, Islamic banks are more solid in terms of short-term solvency but no such difference exists as far as the long-term stability is concerned. Regression estimation further shows that the operations of Islamic banks are different from their conventional counterparts and the results remain statistically significant even after controlling for bank specific variables. Moreover, larger banks have less intermediation ratio which indicates diseconomies of scale. Results also indicate that highly capitalized banks are more stable but cost inefficient which proves that capital-rich banks have failed to capitalize on the leverage effect. JEL classification: G21, G28, Keywords: Cost efficiency, Financial stability, Financial crisis, Islamic banks, GCC

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

Inder Pal Singh S/o Roop singh*, Dr. Payal Bassi

2017-01-01

E- Banking is about using the infrastructure for digital age to create opportunities, both local & global. IT enables the dramatic lowering of transaction cost and the creation of new types of banking opportunities that address the barriers of time and distance. Banking opportunities are local, global and immediate in e-banking. Internet banking has many advantages over other traditional banking delivery methods. Internet banking provides banks with an increased customer base, cost savings, m...

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

Mar 1, 2013 ... deploying information Technology in banks therefore can ... profitability indices and other control of financial ..... impact of e-banking on bank profitability ..... [13] Nikolai L. and Bazlay J.D (1997) Intermediate Accounting, South-.

Scales of form roughness on riverbanks with different riparian vegetation

Science.gov (United States)

Konsoer, K. M.; Rhoads, B. L.; Best, J.; Langendoen, E. J.; Ursic, M.; Abad, J. D.; Garcia, M. H.

2013-12-01

Riverbanks often include topographic irregularities that occur over a range of scales and that are produced by interactions among erosional processes, vegetation, and the geotechnical properties of the banks and floodplains. Irregularity of the bank surface can increase form drag, affecting the overall flow resistance, near-bank shear stresses, and patterns of sediment transport. Understanding how dominant scales of form roughness influence the near-bank flow structure, and thus the shear stress partitioning, is vital for the development of accurate predictive morphodynamic models. In this paper, the scales of bank roughness are examined for two meander bends of a large alluvial river with differing riparian vegetation on the Wabash River near Grayville, Illinois. Detailed measurements of bank topography were obtained using terrestrial LiDAR during low flow events and a multibeam echo sounder (MBES) during bankfull events. These measurements yielded high spatial resolution maps (~5-10 cm) that were used to analyze scales of roughness at different elevations along the banks during both subaerial and subaqueous conditions. The results of these analyses provide insight into the influence of riparian vegetation on form roughness and patterns of near-bank flow structure as documented using acoustic Doppler current profilers (ADCP).

NEA Data Bank progress report to the nuclear reaction data centres

International Nuclear Information System (INIS)

1988-01-01

The report presents shortly the activities of the NEA Data Bank concerning neutron data compilation, the Joint Evaluated File, computer program services, validation of nuclear model codes, nuclear waste management and reactor safety

75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-04-21

... Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Electronic Banking And Bank Performance In Nigeria | Abaenewe ...

African Journals Online (AJOL)

This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...

12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking...

75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-08-13

... Peoples Bank and Trust Company, both of North Carrollton, Mississippi. B. Federal Reserve Bank of Dallas... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

12 CFR 332.2 - Model privacy form and examples.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Model privacy form and examples. 332.2 Section... POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 332.2 Model privacy form and examples. (a) Model... this part, although use of the model privacy form is not required. (b) Examples. The examples in this...

12 CFR 216.2 - Model privacy form and examples.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Model privacy form and examples. 216.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 216.2 Model privacy form and examples. (a... of this part, although use of the model privacy form is not required. (b) Examples. The examples in...

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

Resumé - Bank Contracts Bank Contracts are an integral part of our everyday lives. Citizen and bussines entities used bank contracts very often. Despite this fact we can't find legal definition in the Czech law. Banking contracts understand contracts that are signed by banks in their business activities and obligations under these contracts arise. While the banking contracts have been widely used, in Czech law there is not too much literature and judgements abou this issue. Lack of legislatio...

Stabilitas Bank, Tingkat Persaingan Antar Bank dan Diversifikasi Sumber Pendapatan: Analisis Per Kelompok Bank di Indonesia

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

Full Text Available Abstract. The"Competition-fragility" view and The "Competition-stability" view has a contrary logical flow in predicting the relationship between bank stability and competition among banks. According to Berger et al (2009, these two views differ on credit risk aspect of loan portfolio, but on the risks faced by the bank as a whole, these two views have the same prediction. In the credit market which is dominated by few banks with substantial market power, the risk of bank credit portfolio increases as predicted by the view "competition-fragility", but the bank's overall risk does not always go up with the jump in credit portfolio risk. The paper shows that empirical test of the Indonesian banking system support this hypothesis, except in foreign bank group that has its own business model. The relationship of competition and the credit risk of banks in Indonesia also have a U -shape pattern that increasing competition in the early stages can reduce credit risk, which is due to increasing income diversification and diversification of bank credit type, but at a certain point the increasing competition has worsened the quality of bank credit portfolio. Key word: banking competition, risk, stability, fragility, diversification

Comparing short forms of the Social Interaction Anxiety Scale and the Social Phobia Scale.

Science.gov (United States)

Carleton, R Nicholas; Thibodeau, Michel A; Weeks, Justin W; Teale Sapach, Michelle J N; McEvoy, Peter M; Horswill, Samantha C; Heimberg, Richard G

2014-12-01

The Social Interaction Anxiety Scale (SIAS) and the Social Phobia Scale (SPS; Mattick & Clarke, 1998) are companion scales developed to measure anxiety in social interaction and performance situations, respectively. The measures have strong discriminant and convergent validity; however, their factor structures remain debated, and furthermore, the combined administration length (i.e., 39 items) can be prohibitive for some settings. There have been 4 attempts to assess the factor structures of the scales and reduce the item content: the 14-item Social Interaction Phobia Scale (SIPS; Carleton et al., 2009), the 12-item SIAS-6/SPS-6 (Peters, Sunderland, Andrews, Rapee, & Mattick, 2012), the 21-item abbreviated SIAS/SPS (ASIAS/ASPS; Kupper & Denollet, 2012), and the 12-item Readability SIAS and SPS (RSIAS/RSPS; Fergus, Valentiner, McGrath, Gier-Lonsway, & Kim, 2012). The current study compared the short forms on (a) factor structure, (b) ability to distinguish between clinical and non-clinical populations, (c) sensitivity to change following therapy, and (d) convergent validity with related measures. Participants included 3,607 undergraduate students (55% women) and 283 patients with social anxiety disorder (43% women). Results of confirmatory factor analyses, sensitivity analyses, and correlation analyses support the robust utility of items in the SIPS and the SPS-6 and SIAS-6 relative to the other short forms; furthermore, the SIPS and the SPS-6 and SIAS-6 were also supported by convergent validity analyses within the undergraduate sample. The RSIAS/RSPS and the ASIAS/ASPS were least supported, based on the current results and the principle of parsimony. Accordingly, researchers and clinicians should consider carefully which of the short forms will best suit their needs. (c) 2014 APA, all rights reserved.

The role of the form factor and short-range correlation in the relativistic Hartree-Fock model for nuclear matter

Science.gov (United States)

Hu, J.; Toki, H.; Wen, W.; Shen, H.

2010-03-01

The role of the form factor and short-range correlation in nuclear matter is studied within the relativistic Hartree-Fock approximation. We take, first, the mean-field approximation for meson fields and obtain the fluctuation terms of mesons to be used for the Fock energies. We introduce form factors in the meson-nucleon coupling vertices to take into account the finite-size effect of the nucleon. We use further the unitary correlation operator method for the treatment of the short-range correlation. The form factors of the size ( Λ ˜ 1.0 -2.0GeV) of the nucleon-nucleon interaction cut down largely the contribution of the ρ -meson in the Fock term. The short-range correlation effect is not large but has a significant effect on the pion and ρ -meson energies in the relativistic Hartree-Fock approximation for nuclear matter.

Internet Banking integration within the banking system

OpenAIRE

Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

2008-01-01

Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture). SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system....

The Balanced Inventory of Desirable Responding Short Form (BIDR-16

Directory of Open Access Journals (Sweden)

Claire M. Hart

2015-12-01

Full Text Available Self-report studies often call for assessment of socially desirable responding. Many researchers use the Marlowe–Crowne Scale for its brief versions; however, this scale is outdated, and contemporary models of social desirability emphasize its multi-dimensional nature. The 40-item Balanced Inventory of Desirable Responding (BIDR incorporates Self-Deceptive Enhancement (honest but overly positive responding and Impression Management (bias toward pleasing others. However, its length limits its practicality. This article introduces the BIDR-16. In four studies, we shorten the BIDR from 40 items to 16 items, while retaining its two-factor structure, reliability, and validity. This short form will be invaluable to researchers wanting to assess social desirability when time is limited.

Islamic Banking in Global Economic Context (Critical Studies of Operational System and Performance of Islamic Banking

Directory of Open Access Journals (Sweden)

Jamal Abdul Aziz

2018-01-01

Full Text Available Berdasarkan kajian terhadap sejarah kemunculan dan sistem operasional Bank Islam beserta kinerjanya, penulis menyimpulkan bahwa konsep bank Islam pada hakekatnya merupakan bentuk islamisasi terhadap institusi perbankan. Hanya saja proses islamisasi yang terjadi baru sebatas pada aspek-aspek yang bersifat marginal, artifisial, dan formal-institusional, seperti penggantian istilah-istilah teknis dalam dunia perbankan dengan istilah yang berasal dari fikih muamalah, penghapusan bunga, dan penolakan terhadap praktek-praktek bisnis yang haram. Selebihnya, bank Islam tidak berbeda dengan bank konvensional. Dampak dari islamisasi yang kurang substansial-komprehensif tersebut adalah timbulnya kesan bahwa bank Islam justru ‘terbelenggu’ oleh konsep-konsep fikih klasik yang mendasarinya, di mana ia cenderung kontra produktif dengan tren  bisnis moderen yang senantiasa menuntut efisiensi dan fleksibilitas. Agar tetap dapat survive di masa-masa mendatang, bank Islam perlu mengevaluasi diri secara terus menerus dengan selalu membuka diri terhadap berbagai kritikan yang dialamatkan kepadanya. Konsepsi yang terlalu berorientasi kepada doktrin harus diimbangi dengan kesadaran akan fakta-fakta dan tuntutan bisnis moderen, baik yang berskala lokal maupun global. Sementara itu cita-cita Islam yang ideal, seperti pemberantasan kemiskinan, pendistribusian kekayaan secara adil, dan penciptaan lapangan kerja, harus tetap menjadi orientasi utamanya. Kata Kunci:Riba, Profit and Loss Sharing, Mudlârabah, Murâbahah, Artificial Aspects of Islam  Abstract:Based on the study of the history of emergence and operation of Islamic Bank and its system performance, the author conclude that the concept of Islamic bank is essentially a form of Islamization of the banking institutions. Such Islamization are limited to the marginal, artificial, and formal-institutional aspects, such as the replacement of technical terms in the banking world with a term derived from the fiqh

Internal consistency, reliability, and temporal stability of the Oxford Happiness Questionnaire short-form: Test-retest data over two weeks

OpenAIRE

MCGUCKIN, CONOR

2006-01-01

PUBLISHED The Oxford Happiness Questionnaire short-form is a recently developed eight-item measure of happiness. This study evaluated the internal consistency reliability and test-retest reliability of the Oxford Happiness Questionnaire short-form among 55 Northern Irish undergraduate university students who completed the measure on two occasions separated by two weeks. Internal consistency of the measure on both occasions was satisfactory at both Time 1 (alpha = .62) and Time 2 (alpha = ....

75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-02-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-01-25

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-03-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

Central bank capital, financial strength, and the Bank of Japan

OpenAIRE

Thomas F. Cargill

2006-01-01

This Economic Letter addresses central bank capital and financial strength in the context of Bank of Japan policy (Cargill 2005). Specifically, it reviews general considerations about central bank capital and financial strength, discusses recent Bank of Japan policy in the context of capital structure, evaluates the Bank of Japan's concern in the context of the broader issue of central bank independence, and draws some lessons from recent Bank of Japan policy.

Improving the System of Risk Management in Ukrainian Banks

Directory of Open Access Journals (Sweden)

Skasko Oleh I.

2014-01-01

Full Text Available The goal of the article lies in the study of evolution of formation of the risk management system in Ukrainian banks, main instruments, methods of risk management and organisational approaches to formation of subdivisions of risk management and corporate management in banks. Analysing recommendations of the Basel Committee on Banking Supervision, legislative and regulatory acts, which form organisational and methodological requirements by risk management in banks, the article reveals shortcomings of its functioning. The article gives proposals on improvement of riskology in Ukrainian banks, namely: introduction of the requirement for risk assessment and stress testing by banks in the medium-term prospective (up to 3 years, which would reveal risks of realisation of long-term bank programmes, potential losses of receipts and capital due to existing gaps between the terms of performance of obligations by assets and liabilities, etc. In the result of the study the article establishes that in order to realise requirements of the Basel Committee on Banking Supervision on organisation of subdivisions of risk management in banks, it is necessary to introduce qualification requirements to managers of these services and procedures of their assignment/retirement in co-ordination with the banking supervision service, the status of which in the bank is not lower than managers of the internal audit and financial monitoring services, assignment of whom should be mandatory co-ordinated with NBU.

Can banks offer digital keys for health care?

Science.gov (United States)

Casillas, John

2013-01-01

In the quest to implement electronic health care records, health care stakeholders have uncovered an elephant in the room - how to implement patient identity and integrity solutions. Without this, linking the unique records of an individual is impossible. An inaccurate record can be dangerous for prescribing treatment. Yet many consider a unique patient identifier as an unacceptable privacy risk. Medical banking, or the convergence of banking and heath IT systems, is spawning new ideas that could impact on this difficult area. This article suggests that new forms of efficiency in payment processing may yield a common, cross-industry technology platform for managing digital identity by banks. Redefining a bank based on core competencies, the article looks at three areas: (1) the "identity theft arms race"; (2) innovations in payment processing; and (3) consumer engagement, and suggests that, as banking and health care systems converge, digital identity may become the new money. This realization may find banks fully engaged in helping health care to overcome the challenge of patient identity and integrity.

CORPORATE SOCIAL RESPONSIBILITY - THE ROMANIAN BANKING SECTOR PERSPECTIVE

Directory of Open Access Journals (Sweden)

Georgiana-Loredana FRECEA

2017-12-01

Full Text Available Although there has been made considerable progress in the corporate social responsibility (CSR field in Romania, there are limited research papers presenting the CSR dynamics in the banking system. One of the main objectives of this paper is to highlight the CSR particularities for two of the most important banks operating on the local market: The Romanian Commercial Bank and BRD – Groupe Société Générale. This approach will outline the significant relationships in the CSR development, building on the dominant CSR themes and focusing on both similarities and differences in order to select the appropriate CSR practical framework. The results of this paper reveal a competitive context in the Romanian banking sector for the CSR initiatives, the influence of the marketing forces and particular CSR measures to rebuild banking trust. The CSR commitment of the banks address societal needs through the employee volunteering, as a new form of competitive advantage, becoming a strategic point in the reputational and financial performance.

How Continental Bank outsourced its "crown jewels.".

Science.gov (United States)

Huber, R L

1993-01-01

No industry relies more on information than banking does, yet Continental, one of America's largest banks, outsources its information technology. Why? Because that's the best way to service the customers that form the core of the bank's business, says vice chairman Dick Huber. In the late 1970s and early 1980s, Continental participated heavily with Penn Square Bank in energy investments. When falling energy prices burst Penn Square's bubble in 1982, Continental was stuck with more than $1 billion in bad loans. Eight years later when Dick Huber came on board, Continental was working hard to restore its once solid reputation. Executives had made many tough decisions already, altering the bank's focus from retail to business banking and laying off thousands of employees. Yet management still needed to cut costs and improve services to stay afloat. Regulators, investors, and analysts were watching every step. Continental executives, eager to focus on the bank's core mission of serving business customers, decided to outsource one after another in-house service--from cafeteria services to information technology. While conventional wisdom holds that banks must retain complete internal control of IT, Continental bucked this argument when it entered into a ten-year, multimillion-dollar contract with Integrated Systems Solutions Corporation. Continental is already reaping benefits from outsourcing IT. Most important, Continental staffers today focus on their true core competencies: intimate knowledge of customers' needs and relationships with customers.

Kontroversi Produk Bank Sharî‘ah

Directory of Open Access Journals (Sweden)

Abdul Rokhim

2014-01-01

Full Text Available This paper discusses the views of Muslims on the nature and legitimacy of bank interest as far as Syari’ah law is concerned. Three views are presented here. First is the view of the neo-revivalists who argue that bank interest is legally illegitimate and that it is a form of riba. Second is the view of—among others—Fazlur Rahman who believes that bank interest is not riba. And third is the view that bank interest is in the state of legal doubtfulness (shubhat. We do not support particular view in this paper. But in principle it seems particularly legitimate to argue that Islam is a religion of social wellbeing in which any transaction should be free from such illegitimate practices as riba, gharar (cheating, and financial speculation. However, we also argue that bank interest is too complicated to be equated with riba. There are no accepted standards and qualifications by which the two can be said as the same. To this complex issue we dedicate our paper as a contribution to the issue at hand.

Development and validation of a short form of the self-efficacy measurement tool for Iranian patients with myocardial infarction

Directory of Open Access Journals (Sweden)

Soleiman Zand

2017-09-01

Full Text Available To assess efficacy in patients with heart failure need to have a scientific tool based on psychometric features is evident. The researchers developed a scientific tool based on psychometric principles for assessing self-efficacy beliefs in patients with Myocardial Infarction (MI as the only tool of its kind; however, Due to the large number of questions in the questionnaire, respondents may not desire to complete it accuracy. The present study was conducted to develop and validate a short form of this tool. This study was conducted on a sample of 311 patients diagnosed with MI by a cardiologist and selected through convenience sampling. The 80-20 rule was used for evaluating the 60 items of the short-form MI Self-Efficacy Measurement Tool (SF-SEMT and for eliminating items without an adequate sensitivity and accuracy. The factor analysis revealed 5 factors that explained a total of 87.92% the variance; the kaiser-meyer-olkin index was calculated as 0.915 with a probable significance level of 0.001. A total of 22 items and 5 factors were extracted for this short-form tool. The reliability of the tool was confirmed with Cronbach’s alpha coefficients of 0.96 to 0.97 for the factors and 0.97 for the entire tool. The short-form MI self-efficacy measurement tool has better psychometric features than the original long form, as the former was found to have a better factor structure compared to the latter

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

Wechsler Adult Intelligence Scale-Third Edition short form for index and IQ scores in a psychiatric population.

Science.gov (United States)

Christensen, Bruce K; Girard, Todd A; Bagby, R Michael

2007-06-01

An eight-subtest short form (SF8) of the Wechsler Adult Intelligence Scale, Third Edition (WAIS-III), maintaining equal representation of each index factor, was developed for use with psychiatric populations. Data were collected from a mixed inpatient/outpatient sample (99 men and 101 women) referred for neuropsychological assessment. Psychometric analyses revealed an optimal SF8 comprising Vocabulary, Similarities, Arithmetic, Digit Span, Picture Completion, Matrix Reasoning, Digit Symbol Coding, and Symbol Search, scored by linear scaling. Expanding on previous short forms, the current SF8 maximizes the breadth of information and reduces administration time while maintaining the original WAIS-III factor structure. (c) 2007 APA, all rights reserved

Basis Risk and Net Interest Income of Banks

Directory of Open Access Journals (Sweden)

Mielus Piotr

2016-12-01

Full Text Available The results of the banking sector are shaped primarily by commissions and net interest income. Net interest income is determined by the difference between the profitability of bank assets and liabilities. In the case when a different method is used to determine interest for each side of the balance sheet, there occurs a basis risk that may lead to the deterioration in the net interest income of the sector. This is the situation in the Polish banking sector, which is characterized by the presence of variable interest rates for long-term assets and fixed interest rates for short-term liabilities. The study aims to verify the following thesis: in an environment of falling interest rates we can observe the deterioration in net interest income of the banking sector, as a result of the materialization of the basis risk. The authors of the article state that the source of the basis risk is the mismatch between the reference rate used to define the interest flow of loans and the actual cost of financing the balance through term deposits collected from non-financial entities.

Towards gene banking amphibian maternal germ lines: short-term incubation, cryoprotectant tolerance and cryopreservation of embryonic cells of the frog, Limnodynastes peronii.

Science.gov (United States)

Lawson, Bianca; Clulow, Simon; Mahony, Michael J; Clulow, John

2013-01-01

Gene banking is arguably the best method available to prevent the loss of genetic diversity caused by declines in wild populations, when the causes of decline cannot be halted or reversed. For one of the most impacted vertebrate groups, the amphibians, gene banking technologies have advanced considerably, and gametes from the male line can be banked successfully for many species. However, cryopreserving the female germ line remains challenging, with attempts at cryopreserving oocytes unsuccessful due to their large size and yolk content. One possible solution is to target cryopreservation of early embryos that contain the maternal germ line, but consist of smaller cells. Here, we investigate the short term incubation, cryoprotectant tolerance, and cryopreservation of dissociated early embryonic cells from gastrulae and neurulae of the Striped Marsh Frog, Limnodynastes peronii. Embryos were dissociated and cells were incubated for up to 24 hours in various media. Viability of both gastrula and neurula cells remained high (means up to 40-60%) over 24 hours of incubation in all media, although viability was maintained at a higher level in Ca(2+)-free Simplified Amphibian Ringer; low speed centrifugation did not reduce cell viability. Tolerance of dissociated embryonic cells was tested for two cryoprotectants, glycerol and dimethyl sulphoxide; dissociated cells of both gastrulae and neurulae were highly tolerant to both-indeed, cell viability over 24 hours was higher in media containing low-to-medium concentrations than in equivalent cryoprotectant-free media. Viability over 24 hours was lower in concentrations of cryoprotectant higher than 10%. Live cells were recovered following cryopreservation of both gastrula and neurula cells, but only at low rates. Optimal cryodiluents were identified for gastrula and neurula cells. This is the first report of a slow cooling protocol for cryopreservation of amphibian embryonic cells, and sets future research directions for

Towards gene banking amphibian maternal germ lines: short-term incubation, cryoprotectant tolerance and cryopreservation of embryonic cells of the frog, Limnodynastes peronii.

Directory of Open Access Journals (Sweden)

Bianca Lawson

Full Text Available Gene banking is arguably the best method available to prevent the loss of genetic diversity caused by declines in wild populations, when the causes of decline cannot be halted or reversed. For one of the most impacted vertebrate groups, the amphibians, gene banking technologies have advanced considerably, and gametes from the male line can be banked successfully for many species. However, cryopreserving the female germ line remains challenging, with attempts at cryopreserving oocytes unsuccessful due to their large size and yolk content. One possible solution is to target cryopreservation of early embryos that contain the maternal germ line, but consist of smaller cells. Here, we investigate the short term incubation, cryoprotectant tolerance, and cryopreservation of dissociated early embryonic cells from gastrulae and neurulae of the Striped Marsh Frog, Limnodynastes peronii. Embryos were dissociated and cells were incubated for up to 24 hours in various media. Viability of both gastrula and neurula cells remained high (means up to 40-60% over 24 hours of incubation in all media, although viability was maintained at a higher level in Ca(2+-free Simplified Amphibian Ringer; low speed centrifugation did not reduce cell viability. Tolerance of dissociated embryonic cells was tested for two cryoprotectants, glycerol and dimethyl sulphoxide; dissociated cells of both gastrulae and neurulae were highly tolerant to both-indeed, cell viability over 24 hours was higher in media containing low-to-medium concentrations than in equivalent cryoprotectant-free media. Viability over 24 hours was lower in concentrations of cryoprotectant higher than 10%. Live cells were recovered following cryopreservation of both gastrula and neurula cells, but only at low rates. Optimal cryodiluents were identified for gastrula and neurula cells. This is the first report of a slow cooling protocol for cryopreservation of amphibian embryonic cells, and sets future research

Readdressing gender bias in the Coopersmith Self-Esteem Inventory-short form.

Science.gov (United States)

Chapman, Paula L; Mullis, Ann K

2002-12-01

The short form of the Coopersmith Self-Esteem Inventory (SEI) was evaluated for gender bias. The authors replicated a study by L. Francis and D. James (1998) and administered the SEI to 361 middle and high school students (146 boys, 2l5 girls). They found that gender bias existed in 6 of the 25 items on the SEI, with 5 of those items favoring boys. Because recent literature indicates that male and female adolescents experience problems in different areas of their lives, the authors suggest that researchers consider such differences when selecting items for a standardized measure.

Validity, Reliability, and Potential Bias of Short Forms of Students' Evaluation of Teaching: The Case of UAE University

Science.gov (United States)

Dodeen, Hamzeh

2013-01-01

Students' opinions continue to be a significant factor in the evaluation of teaching in higher education institutions. The purpose of this study was to psychometrically assess short students evaluation of teaching (SET) forms using the UAE University form as a model. The study evaluated the form validity, reliability, the overall question, and…

12 CFR 713.4 - What bond forms may be used?

Science.gov (United States)

2010-01-01

....4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS FIDELITY BOND AND INSURANCE COVERAGE FOR FEDERAL CREDIT UNIONS § 713.4 What bond forms may be used? (a) A... basic bond form; or (2) Any rider or endorsement that limits coverage of approved basic bond forms. [64...

The role of the form factor and short-range correlation in the relativistic Hartree-Fock model for nuclear matter

International Nuclear Information System (INIS)

Hu, J.; Toki, H.; Wen, W.; Shen, H.

2010-01-01

The role of the form factor and short-range correlation in nuclear matter is studied within the relativistic Hartree-Fock approximation. We take, first, the mean-field approximation for meson fields and obtain the fluctuation terms of mesons to be used for the Fock energies. We introduce form factors in the meson-nucleon coupling vertices to take into account the finite-size effect of the nucleon. We use further the unitary correlation operator method for the treatment of the short-range correlation. The form factors of the size (Λ∝1.0 -2.0 GeV) of the nucleon-nucleon interaction cut down largely the contribution of the ρ-meson in the Fock term. The short-range correlation effect is not large but has a significant effect on the pion and ρ-meson energies in the relativistic Hartree-Fock approximation for nuclear matter. (orig.)

Diaspore bank of bryophytes in tropical rain forests: the importance of breeding system, phylum and microhabitat.

Science.gov (United States)

Maciel-Silva, Adaíses S; Válio, Ivany Ferraz Marques; Rydin, Håkan

2012-02-01

Diaspore banks are crucial for the maintenance and resilience of plant communities, but diaspore banks of bryophytes remain poorly known, especially from tropical ecosystems. This is the first study to focus on the role of diaspore banks of bryophytes in tropical rain forests. Our aim was to test whether microhabitat (substrate type) and species traits (breeding system, phylum) are important in explaining the diaspore bank composition. Using samples cultivated in the laboratory, we assessed the number of species and shoots emerging from bark, decaying wood and soil from two sites of the Atlantic rain forest (montane and sea level) in Brazil by comparing the contribution of species by phylum (mosses, liverworts) and breeding system (monoicous, dioicous). More species emerged from bark (68) and decaying wood (55) than from soil (22). Similar numbers of species were found at both sites. Mosses were more numerous in terms of number of species and shoots, and monoicous species dominated over dioicous species. Substrate pH had only weak effects on shoot emergence. Species commonly producing sporophytes and gemmae had a high contribution to the diaspore banks. These superficial diaspore banks represented the extant vegetation rather well, but held more monoicous species (probably short-lived species) compared to dioicous ones. We propose that diaspore bank dynamics are driven by species traits and microhabitat characteristics, and that short-term diaspore banks of bryophytes in tropical rain forests contribute to fast (re)establishment of species after disturbances and during succession, particularly dioicous mosses investing in asexual reproduction and monoicous mosses investing in sexual reproduction.

Validation of the Spanish versions of the long (26 items) and short (12 items) forms of the Self-Compassion Scale (SCS).

Science.gov (United States)

Garcia-Campayo, Javier; Navarro-Gil, Mayte; Andrés, Eva; Montero-Marin, Jesús; López-Artal, Lorena; Demarzo, Marcelo Marcos Piva

2014-01-10

Self-compassion is a key psychological construct for assessing clinical outcomes in mindfulness-based interventions. The aim of this study was to validate the Spanish versions of the long (26 item) and short (12 item) forms of the Self-Compassion Scale (SCS). The translated Spanish versions of both subscales were administered to two independent samples: Sample 1 was comprised of university students (n = 268) who were recruited to validate the long form, and Sample 2 was comprised of Aragon Health Service workers (n = 271) who were recruited to validate the short form. In addition to SCS, the Mindful Attention Awareness Scale (MAAS), the State-Trait Anxiety Inventory-Trait (STAI-T), the Beck Depression Inventory (BDI) and the Perceived Stress Questionnaire (PSQ) were administered. Construct validity, internal consistency, test-retest reliability and convergent validity were tested. The Confirmatory Factor Analysis (CFA) of the long and short forms of the SCS confirmed the original six-factor model in both scales, showing goodness of fit. Cronbach's α for the 26 item SCS was 0.87 (95% CI = 0.85-0.90) and ranged between 0.72 and 0.79 for the 6 subscales. Cronbach's α for the 12-item SCS was 0.85 (95% CI = 0.81-0.88) and ranged between 0.71 and 0.77 for the 6 subscales. The long (26-item) form of the SCS showed a test-retest coefficient of 0.92 (95% CI = 0.89-0.94). The Intraclass Correlation (ICC) for the 6 subscales ranged from 0.84 to 0.93. The short (12-item) form of the SCS showed a test-retest coefficient of 0.89 (95% CI: 0.87-0.93). The ICC for the 6 subscales ranged from 0.79 to 0.91. The long and short forms of the SCS exhibited a significant negative correlation with the BDI, the STAI and the PSQ, and a significant positive correlation with the MAAS. The correlation between the total score of the long and short SCS form was r = 0.92. The Spanish versions of the long (26-item) and short (12-item) forms of the SCS are valid and

76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-09-26

... control of Bank of Odessa, both in Odessa, Missouri, Commercial Bank of Oak Grove, Oak Grove, Missouri... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

Full Text Available Islamic banks in many countries have emerged as important component of financial system that contributes to the growth and development of the country’s economy. They have proven to be a viable and competitive component of the overall financial system. In the dual banking system, Islamic banks have to be competitive to survive. One of the key to competitiveness is efficiency. This study will measure and compare the efficiency of Islamic and conventional banks in Indonesia using Data Envelopment Analysis (DEA methodology. DEA is a non-parametric, deterministic methodology for determining the relative efficiency and managerial performance, based on the empirical data on chosen inputs and outputs of a number of decision making units. DEA allows us to compare the relative efficiency of banks by determining the efficient banks as benchmarks and by measuring the inefficiencies in input combinations (slack variables in other banks relative to the benchmark. Intermediation approach will be applied. This study will identify the sources and level of inefficiency for each of the inputs and outputs of Islamic banks and conventional banks in Indonesia. The result shows that in overall, Islamic banking is relatively more efficient than conventional banking. This means that Islamic banks are competitive enough to compete with conventional banks. Islamic banking is technically more efficient, but less scale efficient than conventional banking. Internal inefficiency is the main source of disintermediation of conventional banking in Indonesia. Furthermore, accelerated expansion, organically and inorganically, is needed to improve scale and overall efficiencies of Islamic banking in Indonesia.Keywords: Banking, Islamic Banking, Efficiency, Data Envelopment Analysis

PENGARUH MEKANISME SCREENING, PEMBERIAN INSENTIF DAN HUBUNGAN SOSIAL BANK DENGAN NASABAH DALAM MENGURANGI MASALAH AGENCY KREDIT PADA BANK PERKREDITAN RAKYAT DI INDONESIA

Directory of Open Access Journals (Sweden)

R. Agus Basuki

2015-11-01

Full Text Available AbstractThe aims of this study are to examine (1 the performance of credit customer attribute screening, (2 the performance of credit project attribute screening, (3 the performance of incentive giving in form of credit payment motivation, (4 the performance of giving program in form of credit facility, (5 Bank social relationship program through customers, (6 the impact of credit customer attribute screening, project attribute, credit payment motivation, lending credit facility, and Bank social relationship program through customers in decreasing credit agency problem at BPR in Indonesia. The sample determinations were conducted by using simple random sampling technique. It means that samples were taken from the population of BPR credit customers randomly and all population members were given the chance to be a sample. The totals of samples were 142. Data were analyzed by using regression analysis technique. The result of this analysis shows that: first, the research variable which can affect the decreasing number of credit agency in BPR in this research is the variable of motivation program to pay credit in form of giving reward to the customers who paid on time and variable of lending facility program in form of giving the low interest for the next credit. Second, the research variable which does not affect to the decreasing number of agency problem is variable of credit project attribute screening in form of customer’s guarantee. Variable of credit customers attribute screening in form of his guarantee and variable of Bank social relationship program through customers in form of reminding through telephone to pay installment. Third, there is significance affect of project attribute screening, credit customers attribute screening, lending facility program and Bank social relationship program through customers in decreasing credit agency problem in BPR in Indonesia.Keywords: credit agency, incentive, screening mechanism, social relationship

ASEAN economic growth, trade openness and banking-sector depth: The nexus

Directory of Open Access Journals (Sweden)

Rudra P. Pradhan

2017-09-01

Full Text Available This paper investigated the linkages between banking sector depth, trade openness, and economic growth using a panel data set covering the ASEAN regional forum countries for the period 1961–2012. Using our multivariate framework, we first found that all the variables were integrated of order one and were cointegrated. Our panel-data estimation procedures offered more robust estimates than previous studies by utilizing variations between countries as well as variations over time. The results of this study indicated a general long-run equilibrium relationship among trade openness, banking sector depth and economic growth as well as a short-run relationship between these variables. Policy recommendations include those that will promote greater banking sector development as well as increased trade openness. JEL classification: O16, O43, E44, E31, Keywords: Trade openness, Banking sector depth, Economic growth, Granger causality, ASEAN regional forum countries

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

Full Text Available ABSTRACT This study aims to compare the financial performance of Islamic banks with conventional banks in Indonesia using financial ratios: CAR, NPL / NPF, ROA, ROE, LDR / FDR, REO / BOPO. The data used are the financial statements published by Bank Indonesia (BI, the annual reports released by banking companies listed in Indonesia Stock Exchange (IDX, the annual reports issued by companies of Islamic banking that are not listed in Indonesia Stock Exchange (IDX, and the Indonesian banking supervision reports contained in Bank Indonesia (BI for the years 2005-2012. The analytical method used to compare the financial performance of Islamic banks with conventional banks is statistical test independent t-test. The fact shows that for each financial ratio of Islamic banks and conventional banks in Indonesia: CAR, ROA, ROE, LDR / FDR, and BOPO there are significant differences, while NPL / NPF there is not significant difference. Keywords: Financial performance, Islamic banks, conventional banks

Merger and Industrial Acceleration: Study at Indonesian Islamic Banking Industry

Directory of Open Access Journals (Sweden)

Kindy Miftah

2017-02-01

Full Text Available The purpose of this research tries to feed the alternatives of merger between Islamic banks which becomes a form of recommendation to optimize the merger result, so it will contribute to the development of Indonesia’s banking sector in particular. Methodolgy of this study is using comparison technique utilize result of calculation valuation based on valuation theory in general with method discounted cash flaw (DCF. Valuation data processing using data past performance sharia banks is to plan future financial performance. Results of valuation will be conducted both with individual banks that will be merged and alternative merger determined. These findings implied from various possibility alternative mergers between sharia banks, there are 5 alternatives that are feasible considering the internal aspect such as tendency shareholder and condition sharia bank to be merged related to internal interest and external aspect namely scale of assets from merger banks and probability success from merger process.DOI:  10.15408/sjie.v6i1.4728

Calibration of the PROMIS physical function item bank in Dutch patients with rheumatoid arthritis.

Directory of Open Access Journals (Sweden)

Martijn A H Oude Voshaar

Full Text Available OBJECTIVE: To calibrate the Dutch-Flemish version of the PROMIS physical function (PF item bank in patients with rheumatoid arthritis (RA and to evaluate cross-cultural measurement equivalence with US general population and RA data. METHODS: Data were collected from RA patients enrolled in the Dutch DREAM registry. An incomplete longitudinal anchored design was used where patients completed all 121 items of the item bank over the course of three waves of data collection. Item responses were fit to a generalized partial credit model adapted for longitudinal data and the item parameters were examined for differential item functioning (DIF across country, age, and sex. RESULTS: In total, 690 patients participated in the study at time point 1 (T2, N = 489; T3, N = 311. The item bank could be successfully fitted to a generalized partial credit model, with the number of misfitting items falling within acceptable limits. Seven items demonstrated DIF for sex, while 5 items showed DIF for age in the Dutch RA sample. Twenty-five (20% items were flagged for cross-cultural DIF compared to the US general population. However, the impact of observed DIF on total physical function estimates was negligible. DISCUSSION: The results of this study showed that the PROMIS PF item bank adequately fit a unidimensional IRT model which provides support for applications that require invariant estimates of physical function, such as computer adaptive testing and targeted short forms. More studies are needed to further investigate the cross-cultural applicability of the US-based PROMIS calibration and standardized metric.

75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-06-04

... voting shares of Chino Commercial Bank, N.A., both of Chino, California. Board of Governors of the... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Accounting for fixed repayment bank loans in accordance with accounting standards

OpenAIRE

Atis, Caner; Copur Vardar, Gizem

2016-01-01

As a result of intensive competition, banks offer many differentiated loans. Unfortunately, while these loans are being offered, there may be differences among their forms and substances; and reporting them depending on their form distorts financial statements and misleads users. Banks can even offer loans with zero percent interest, while overcharging fees, commissions, and insurance premiums in advance to compensate the cost and make a reasonable profit. They may divert interest and commiss...

Wave basin model tests of technical-biological bank protection

Science.gov (United States)

Eisenmann, J.

2012-04-01

Sloped embankments of inland waterways are usually protected from erosion and other negative im-pacts of ship-induced hydraulic loads by technical revetments consisting of riprap. Concerning the dimensioning of such bank protection there are several design rules available, e.g. the "Principles for the Design of Bank and Bottom Protection for Inland Waterways" or the Code of Practice "Use of Standard Construction Methods for Bank and Bottom Protection on Waterways" issued by the BAW (Federal Waterways Engineering and Research Institute). Since the European Water Framework Directive has been put into action special emphasis was put on natural banks. Therefore the application of technical-biological bank protection is favoured. Currently design principles for technical-biological bank protection on inland waterways are missing. The existing experiences mainly refer to flowing waters with no or low ship-induced hydraulic loads on the banks. Since 2004 the Federal Waterways Engineering and Research Institute has been tracking the re-search and development project "Alternative Technical-Biological Bank Protection on Inland Water-ways" in company with the Federal Institute of Hydrology. The investigation to date includes the ex-amination of waterway sections where technical- biological bank protection is applied locally. For the development of design rules for technical-biological bank protection investigations shall be carried out in a next step, considering the mechanics and resilience of technical-biological bank protection with special attention to ship-induced hydraulic loads. The presentation gives a short introduction into hydraulic loads at inland waterways and their bank protection. More in detail model tests of a willow brush mattress as a technical-biological bank protec-tion in a wave basin are explained. Within the scope of these tests the brush mattresses were ex-posed to wave impacts to determine their resilience towards hydraulic loads. Since the

Reliability and Validity Study of the Attitude towards Mathematics Instruments Short Form

Directory of Open Access Journals (Sweden)

Güney HACIÖMEROĞLU

2017-05-01

Full Text Available Purpose of this study was to investigate the reliability and validity of the Turkish form of the Attitude Towards Mathematics Instrument Short Form developed by Lim and Chapman (2013. In this study, data gathered from 310 elementary students were utilized for Exploratory and Confirmatory Factor Analysis to determine the structure of factor loading. The factor loading among the sub-scales were different from original. Confirmatory Factor analysis revealed that the model was acceptable. There were three sub-scales, value, self-confidence, enjoyment and motivation. Cronbach’s alpha coefficient for the overall instrument was calculated as .84, respectively. The adapted instrument includes three sub-scales: value (α=.91, self-confidence (α=.86, enjoyment and motivation (α=.82. Turkish adaptation of the questionnaire is valid and reliable and appropriate to use in Turkish culture.

GenBank

OpenAIRE

Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Rapp, Barbara A.; Wheeler, David L.

2002-01-01

The GenBank sequence database incorporates publicly available DNA sequences of more than 105 000 different organisms, primarily through direct submission of sequence data from individual laboratories and large-scale sequencing projects. Most submissions are made using the BankIt (web) or Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Data exchange with the EMBL Data Library and the DNA Data Bank of Japan helps ensure comprehensive worldwide coverage. GenBank...

77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-24

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...

Investigating on effects of different granting loans on bank deposits

Directory of Open Access Journals (Sweden)

Seyed Kazem Ebrahimi

2013-02-01

Full Text Available This paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investment and these are considered as dependent variables. There are also seven types of granting loans devoted to customers, which are partnership loans, zero-interest loans, civic participation, contract quantity loans, future contract loans, rent-purchase loans and installment sales loans. The study considers the financial information of 171 governmental banks located in province of Semnan, Iran over the period 2006-2011. The results of our study indicate that five variables maintain positive impact on dependent variable. The highest impact belongs to Partnership loans (0.34, followed by Sales loans (0.24, contract quantity loans (0.21 and Zero-interest loans (0.16 and Future contract loans (0.14 come in the last position. The study also uses Freedman test to rank dependent factors and the results indicate that short- term investment is number one priority followed by long term investment and the other two options including zero-interest and cash accounts are in lower priority.

12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks..., provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are...

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

Full Text Available Commercial banks and co-operative banks are credit institutions, but there are some differences between the main operations proceeded by each of them. Based on these specific characteristics, we want to identify the manner in which financial crisis affected their activity. As we all know, the financial crisis had a major impact in the United States, the “natal” country of the crisis, because great banks such as Lehman Brothers or Merrill Lynch have bankrupted. Even if the Romanian banking system was not affected by such catastrophic situations, surely the financial crisis had a significant impact on it. This topic is worth to be analysed, because we would be able to identify the risk differences between these two types of business: commercial banks versus co-operative banks.

Measurement invariance of the Mental Health Continuum-Short Form (MHC-SF) across three cultural groups

NARCIS (Netherlands)

Joshanloo, Mohsen; Wissing, Marie P.; Khumalo, Itumeleng P.; Lamers, S.M.A.

2013-01-01

This study investigated the factorial structure and invariance of the Mental Health Continuum-Short Form (MHC-SF) across cultural groups from three nations, namely, the Netherlands, South Africa, and Iran (N = 1120). The three-dimensional structure of mental well-being was supported in all the

THE MODEL OF UNIVERSAL BANKING SUPERMARKET IN UKRAINE

Directory of Open Access Journals (Sweden)

Tatiana Manolievna GORDITSA

2017-06-01

Full Text Available The article deals with the author's conceptual approach to the multiple scientific concepts of both traditional and universal banking service moreover it shows the level of transformation of the latter to the model of the finance supermarket – the top of the modern retail banking, a structure that was formed due to globalization of the finance-credit industry. The article analyses the category of “finance supermarket” and brings out a common idea considering the main features of the mentioned organization model of banking service. The main features include: 1. Complex banking service satisfying the customers` needs; 2. The Bundling of banking and financial products (services; 3. Product line extension, standardization and large scale character of sale; 4. Remote banking. Bundling of the products (services introduced in this model allows the maximal integration of the finance services, operations and products including banking, consulting, insurance, investment services at the same office. Analysis of the scientific literature shows that the organization structure of the servicing in a Ukrainian universal bank mostly associates the model of a finance supermarket. However, current restrictions of the Ukrainian legal system and the existence of the certain transition level, caused by gradual application of the innovations of both financial and technological origin (evolutionary-innovative development are not taken into account. Looking from this angle, the author describes a transition model – from a universal bank to a financial supermarket, a universal banking supermarket. The model`s distinctive feature is the application of the improved technological service, that induced the transformation of modern banking operations, services and products in Ukraine from simplest to complex.

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

The student manual for high school level special needs students was prepared to provide deaf students with the basic fundamentals of banking. Five units are presented covering the topics of banks and banking services, checking accounts, other services of banks, savings accounts, and other investments. Each lesson was carefully written for easy…

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution......Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...

Maximizing the phylogenetic diversity of seed banks.

Science.gov (United States)

Griffiths, Kate E; Balding, Sharon T; Dickie, John B; Lewis, Gwilym P; Pearce, Tim R; Grenyer, Richard

2015-04-01

Ex situ conservation efforts such as those of zoos, botanical gardens, and seed banks will form a vital complement to in situ conservation actions over the coming decades. It is therefore necessary to pay the same attention to the biological diversity represented in ex situ conservation facilities as is often paid to protected-area networks. Building the phylogenetic diversity of ex situ collections will strengthen our capacity to respond to biodiversity loss. Since 2000, the Millennium Seed Bank Partnership has banked seed from 14% of the world's plant species. We assessed the taxonomic, geographic, and phylogenetic diversity of the Millennium Seed Bank collection of legumes (Leguminosae). We compared the collection with all known legume genera, their known geographic range (at country and regional levels), and a genus-level phylogeny of the legume family constructed for this study. Over half the phylogenetic diversity of legumes at the genus level was represented in the Millennium Seed Bank. However, pragmatic prioritization of species of economic importance and endangerment has led to the banking of a less-than-optimal phylogenetic diversity and prioritization of range-restricted species risks an underdispersed collection. The current state of the phylogenetic diversity of legumes in the Millennium Seed Bank could be substantially improved through the strategic banking of relatively few additional taxa. Our method draws on tools that are widely applied to in situ conservation planning, and it can be used to evaluate and improve the phylogenetic diversity of ex situ collections. © 2014 Society for Conservation Biology.

Tailoring Earned Value Management. General Guidelines

National Research Council Canada - National Science Library

2002-01-01

Partial Contents: General Principles, A Spectrum of Implementation, OMB Guidance, A Special Note about DOD, Risk Factors to Consider, How can EVMS be tailored, Tailor EVMS to Inherent Risk, Application Thresholds-DoD...

Sign restriction approach to macro stress-testing of the Croatian banking system

Directory of Open Access Journals (Sweden)

Nataša Erjavec

2012-12-01

Full Text Available The paper employs Uhlig’s sign restriction approach to stress-testing of the Croatian banking system. The analysis is based on a standard monetary VAR comprising real economic activity, inflation and short-term interest rates augmented by the ratio of non-performing loans or return on average equity, both measures representing the aggregate banking sector. In spite of the selected indicator, the results suggest a strong sensitivity of the Croatian banking sector to macroeconomic shocks. The effects are the strongest for contractionary monetary policy shocks, followed by negative demand shocks while the effects of supply shocks turned out to be statistically insignificant. Since Croatia is a small open economy with banking the dominant financial sector, the results obtained could be interesting for policy makers in Croatia and other transition economies with similar characteristics.

Development of Short-Form Versions of the Screener and Opioid Assessment for Patients with Pain-Revised (SOAPP-R): A Proof-of-Principle Study.

Science.gov (United States)

Finkelman, Matthew D; Smits, Niels; Kulich, Ronald J; Zacharoff, Kevin L; Magnuson, Britta E; Chang, Hong; Dong, Jinghui; Butler, Stephen F

2017-07-01

The Screener and Opioid Assessment for Patients with Pain-Revised (SOAPP-R) is a 24-item questionnaire designed to assess risk of aberrant medication-related behaviors in chronic pain patients. The introduction of short forms of the SOAPP-R may save time and increase utilization by practitioners. To develop and evaluate candidate SOAPP-R short forms. Retrospective study. Pain centers. Four hundred and twenty-eight patients with chronic noncancer pain. Subjects had previously been administered the full-length version of the SOAPP-R and been categorized as positive or negative for aberrant medication-related behaviors via the Aberrant Drug Behavior Index (ADBI). Short forms of the SOAPP-R were developed using lasso logistic regression. Sensitivity, specificity, and area under the curve (AUC) of all forms were calculated with respect to the ADBI using the complete data set, training-test analysis, and 10-fold cross-validation. The coefficient alpha of each form was also calculated. An external set of 12 pain practitioners reviewed the forms for content. In the complete data set analysis, a form of 12 items exhibited sensitivity, specificity, and AUC greater than or equal to those of the full-length SOAPP-R (which were 0.74, 0.67, and 0.76, respectively). The short form had a coefficient alpha of 0.76. In the training-test analysis and 10-fold cross-validation, it exhibited an AUC value within 0.01 of that of the full-length SOAPP-R. The majority of external practitioners reported a preference for this short form. The 12-item version of the SOAPP-R has potential as a short risk screener and should be tested prospectively. © 2016 American Academy of Pain Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com

Economic and Banking Environment in Romania and E.U.

Directory of Open Access Journals (Sweden)

NICOLETA GEORGETA PANAIT

2016-06-01

Full Text Available The study presents the overall picture of Europe's economic prospects, strained relations within the European area. Also presents the evolution of the banking system in Romania in the context of situations in Europe, which returned to profit and record high levels of solvency and liquidity, while the NPL ratio continued to decline. Due to the difficulty of forecasting medium business, and to the macroeconomic context, banks avoid risk taking associated finance investment projects in the long term, preferring financing in the medium term, so that more than half of home loans granted in Romania are for term funding short and medium.

Neonates need tailored drug formulations.

Science.gov (United States)

Allegaert, Karel

2013-02-08

Drugs are very strong tools used to improve outcome in neonates. Despite this fact and in contrast to tailored perfusion equipment, incubators or ventilators for neonates, we still commonly use drug formulations initially developed for adults. We would like to make the point that drug formulations given to neonates need to be tailored for this age group. Besides the obvious need to search for active compounds that take the pathophysiology of the newborn into account, this includes the dosage and formulation. The dosage or concentration should facilitate the administration of low amounts and be flexible since clearance is lower in neonates with additional extensive between-individual variability. Formulations need to be tailored for dosage variability in the low ranges and also to the clinical characteristics of neonates. A specific focus of interest during neonatal drug development therefore is a need to quantify and limit excipient exposure based on the available knowledge of their safety or toxicity. Until such tailored vials and formulations become available, compounding practices for drug formulations in neonates should be evaluated to guarantee the correct dosing, product stability and safety.

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

Aji Damanuri   Abstract: Shari>’ah banking, for the last ten years, has increased in prosperity not only at the quantity of conventional banks but also at the count of assets and customers. This economical opportunity drives amount of conventional banks both to convert their institutions to be shari>’ah banks and to open officially shari>’ah platform units with their own assets. This system takes a significant question, is the conversion effected by both banker ideological factor and capitalists or pure economical rational calculation? Is a religious consideration linked to economical rationality? This paper is to elaborate the conversion using not only ‘choice theory’ (teori pilihan but also ‘rational action’ (tindakan rasional to seek religious action possibility in a reasonable way of shari>’ah banking.   Keywords: shari>’ah bank, conversion, rational action, religiosity.

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

This paper provides an empirical analysis of the factors that determine the profitability of Indonesian banks between the years 2006-2012. In particular, it investigates whether there are any significant differences in terms of profitability between Islamic banks and commercial banks. The results, obtained by applying the system-GMM estimator to the panel of 54 banks, indicate that the high bank profitability during these years were determined mainly by the size of the banks, the market share...

Brand building process of banking services

Directory of Open Access Journals (Sweden)

Filipović V.

2006-01-01

Full Text Available Changes related to competitive surroundings, legislation, and use of technology in banking business created new challenges for the managers in banking sector and emphasized the importance of brand building in the field of financial services. The need for financial institutions to manage its users in a way that provides them satisfaction, two-way communication and trust developing into loyalty was created. Regarding the research methodology, it is important to emphasize that the main discussion related to the purpose of research is to determine, improve, and better comprehend the main problems appearing in the process of brand building of banking services on the Belgrade market from the users standpoint. In order to realize the established purpose of the research, answers to the following research questions shall be provided: 1 Which problems in communication with the users are important for bank brand building?, 2 In what way do users see the image and personality of a bank? 3 In which way does brand of the origin of a bank influence the choice of users for the banking services? And 4 In which way the strategy of communication in the process of brand building of banking services can be improved? The quantitative approach to the research has been used. This study is based on the research procedure of surveys and data collection through a questionnaire, as an instrument in the research which was given to the adult citizens on the territory of the city of Belgrade. Statistic treatment of the data was conducted by using the SPSS software. The results are presented by using the combined techniques: in written form, in tables and graphs. So, the basic conclusions would be such as: after the marketing research on how banks carry on the processes of brand building was conducted, certain conclusions could be drawn from it: It is very important for a client to be involved in the process of brand building. By taking into consideration the criteria based on

Business-Level Strategy for the Foreign Commercial Banks operating within Malaysia

OpenAIRE

Rasool Khan, Mohamed Rizal

2007-01-01

This paper discusses the strategic positioning and use of Porter’s (1980) generic strategy framework within the foreign commercial banks operating in Malaysia. It was found that two distinct strategic groups were formed by the foreign commercial banks. Performance analysis conducted suggests that banks with clearer strategic direction managed to outperform its peers in its strategic group. Furthermore, the performance of one strategic group was significantly lower than that of the second.

78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-21

..., North Dakota, as trustees/administrators, to retain voting shares of the Commercial Bank of Mott Employee Stock Ownership Plan, and thereby indirectly retain voting shares of Commercial Bank of Mott, both... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank...

Brand positioning through banking services' offer: Serbian perspective

Directory of Open Access Journals (Sweden)

Novčić Branka

2012-01-01

Full Text Available The subject of this paper relates to the determination of interdependent relationship of the key elements necessary for the positioning of brands in the banking market in Serbia. The main goal of this paper is to analyze the way in which managers of banks in Serbia perceived brand positioning of banks in which they work, and the value of the customer service offer - corporate clients. Research focuses on identifying and comparing the dependent relationships between the key elements of offers' brand positioning: brand awareness, brand associations, perceived quality and brand loyalty. For the purpose of the research presented in this paper on-line surveying techniques was applied. 49 responses were collected form banking managers responsible for corporate clients. Results were analyzed using one-way analysis of variance (ANOVA.Acquired results indicate that there is a strong correlation between the observed elements: awareness of the brand-brand associations, brand association-perceived quality and perceived quality of brand-loyalty. Also, this paper provides an overview of the current position of the banking brands, as well as guidelines for improving the position of banking brands on the Serbian market.

LIQUIDITY ANALYSIS OF STATE BANK OF INDIA

Directory of Open Access Journals (Sweden)

Kumar Gandhi R

2011-12-01

Full Text Available Modern customer has a high demand for quality of service than he/she had before. There is an urgent need for improving the customer service levels currently provided in the banking industry. Banks need to understand, foresee, the needs and expected levels of customer support which the customer expects when he/she steps into the branch and strive to stand up and excel in providing the service and making banking a truly delightful experience. The banker should change his/her agenda from Customer Satisfaction to Customer delight and then march towards Customer Ecstasy. This will be possible by maintaining the financial soundness of the firm. In this connection it has been given importance through this study. Since most of the Banking slightly deviate into the other areas like insurance, financial services and modern banking services such as Advisory services, Agent for receivables, custodian, instant loan provider, Forfeiter services and factoring services. A conscious attempt has been made to analysis the liquidity of state bank of India (SBI. The present study aimed to understand the financial soundness of the bank, the ratio analysis taken as tool. In this research work the secondary data mainly used, it has been collected in the form of the company manuals, Balance sheets and other documents. The data analyzed by some of the statistical tools such as ANOVA test and Multi variate test is used to analyze the interferences about the operating efficiency.

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective....... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

Revisiting Bank Pricing Policies in Brazil: evidence from loan and deposit markets

OpenAIRE

Leonardo S. Alencar

2011-01-01

This paper addresses the micro and macroeconomic determinants of interest rates in the Brazilian banking market. The results suggest that banks fully adjust their loan interest rates to a change in the monetary policy rate, but we also observe a rigid short-term response for some loan product categories. The study confirms that pricing policies can vary substantially depending on the market. For example, microeconomic factors did not seem to be a major determinant of retail loan rates, but th...

Does taxation on banks mean taxation on bank-dependent borrowers?

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

We investigate the economic impacts of bank levies on bank-dependent borrowers, exploiting the surprise announcement of a bank tax by the Tokyo metropolitan government on February 7th, 2000. We find that the tax announcement had negative effects on the abnormal return of firms which depended on soon-to-be taxed banks for external funds. Moreover, the adverse economic effects of the bank tax were larger for smaller and more financially distressed firms, suggesting that bank levies are likely t...

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI VOLUME TRANSAKSI PASAR UANG ANTAR BANK DI INDONESIA TAHUN 1983–2007

Directory of Open Access Journals (Sweden)

Bambang Prishardoyo

2015-12-01

Full Text Available The source of Interbank Money Market funds derived from the activities of lending and borrowing of funds between one bank with another bank. In this case, banks with excess funds (surplus units will lend funds to banks that lack of funds (deficit units to provide compensation for certain interest rate. Participants in the Interbank Money Market are the commercial banks and development and non-bank financial institutions. Funds used in the Interbank Money Market is a short-term nature of funds, where the loan must be repaid no later than 90 days from the closing of the transaction. Variables that used in this reseacrch are the Indonesian bank loans, interest rates, interbank market, total demand deposits and a dummy variable that is public confidence in the banking, it is concluded that the Indonesian bank loans and money market rates between banks has a positive and significant impact on volume interbank money market transactions. While the amount of demand deposits and public confidence in the banking is not significantly affect its volume of transactions in the interbank money market

Cord Blood Banking for Potential Future Transplantation.

Science.gov (United States)

Shearer, William T; Lubin, Bertram H; Cairo, Mitchell S; Notarangelo, Luigi D

2017-11-01

This policy statement is intended to provide information to guide pediatricians, obstetricians, and other medical specialists and health care providers in responding to parents' questions about cord blood donation and banking as well as the types (public versus private) and quality of cord blood banks. Cord blood is an excellent source of stem cells for hematopoietic stem cell transplantation in children with some fatal diseases. Cord blood transplantation offers another method of definitive therapy for infants, children, and adults with certain hematologic malignancies, hemoglobinopathies, severe forms of T-lymphocyte and other immunodeficiencies, and metabolic diseases. The development of universal screening for severe immunodeficiency assay in a growing number of states is likely to increase the number of cord blood transplants. Both public and private cord blood banks worldwide hold hundreds of thousands of cord blood units designated for the treatment of fatal or debilitating illnesses. The procurement, characterization, and cryopreservation of cord blood is free for families who choose public banking. However, the family cost for private banking is significant and not covered by insurance, and the unit may never be used. Quality-assessment reviews by several national and international accrediting bodies show private cord blood banks to be underused for treatment, less regulated for quality control, and more expensive for the family than public cord blood banks. There is an unquestionable need to study the use of cord blood banking to make new and important alternative means of reconstituting the hematopoietic blood system in patients with malignancies and blood disorders and possibly regenerating tissue systems in the future. Recommendations regarding appropriate ethical and operational standards (including informed consent policies, financial disclosures, and conflict-of-interest policies) are provided for physicians, institutions, and organizations that

ANALISIS PENGARUH KINERJA PERBANKAN TERHADAP DANA PIHAK KETIGA BANK PERSERO

Directory of Open Access Journals (Sweden)

iqbal firdausi

2016-10-01

Full Text Available This study aimed to analyze the effect of the performance of banks consisting of CAR, ROA, ROA, LDR simultaneously and partially on the Third Party Funds and analyze between the performance of banks consisting of CAR, ROA, ROA, LDR the dominant influence on the Third party Fund. Forms of this research is descriptive explanatory nature of causality through hypothesis testing. The number of samples in the study of 4 Bank Limited for 11 years i.e. from 2004 to 2014 year. The analysis technique used multiple regression analysis. The analysis showed that the performance of banks consisting of CAR, ROA, ROA, LDR simultaneously affect the Third Party Funds. Performance of banks consisting of CAR, ROA, ROA, LDR partially affect the Third Party Funds. ROA dominant influence on Third Party Funds.

The main directions of banking products promotion in the banking marketing system in Russian commercial banks

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

Full Text Available the article is devoted to the research of directions of client-oriented approach application during bank products promotion in Russian banks. Attention is paid to the development of electronic banking, social networks through which consumers receive the necessary information about beneficial offers and special conditions for providing banking services.

Quality Determinants of Independent Audits of Banks

Directory of Open Access Journals (Sweden)

José Alves Dantas

2015-04-01

Full Text Available Since DeAngelo's study (1981 on audit quality, the latter has been a topic well discussed in the international accounting literature; however, there is little evidence about audit quality in the financial market. In Brazil, studies on audit quality began only in the 2000s, although without a specific focus on banks. The purpose of this study was to identify the quality determinants of audit work in Brazilian banking institutions. Using the practice of earnings management as a proxy for audit quality - more specifically, the discretionary accruals related to the process of the constitution of the Loan Loss Provision (LLP - tests were performed based on the quarterly information of commercial and multipleservice banks and savings banks from 2001 to 2012. Empirical tests have shown that the quality of audit work has several types of relationships as follows: negative with the client importance level for the auditor; negative with the works after the sixth year of the contract; positive with the establishment of the Audit Committee by the banks; positive with the judgment of punitive administrative proceedings against independent auditors; and positive with the level of rigor of the regulatory environment. Of the tested hypotheses, three were not confirmed empirically. The first hypothesis predicted an association between audit quality and the auditor degree of specialization in the banking industry. The second hypothesis predicted that audit quality would be negatively correlated with the degree of concentration of audit activity within the National Financial System (Sistema Financeiro Nacional - SFN. The third hypothesis predicted that audit quality would be lower when the auditorclient relationship is of a short term. The results of the study contribute to the debate concerning the role of auditors in the transparency and solidity of the financial system, including their role as a complementary or auxiliary supervisor.

78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-03

... Bancshares, Inc., and thereby acquire control of First Commercial Bank, both of Edmond, Oklahoma. Board of... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-05

... shares of Anchor Commercial Bank, Juno Beach, Florida. Board of Governors of the Federal Reserve System... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Analysis of bank failure: An application of CVAR methodology on liquidity.

Directory of Open Access Journals (Sweden)

Mubanga Mpundu

2017-03-01

Full Text Available In this paper, balance sheet liquidity data was analyzed comprising of 157 Class I and 234 Class II banks. Class I banks are categorized as those with tier 1 capital in excess of $4 billion and internationally active while Class II banks are the rest. A Cointegrated Vector Autoregressive (CVAR approach was used on balance sheet liquidity data to ascertain the behavior of variables in relation to bank failure. The study also demonstrated the nature of each of the variables containing estimated Basel III and Traditional liquidity measures for Class I and II banks. The estimated Basel III liquidity standards were made up of the Liquidity Coverage Ratio (LCR and the Net Stable Funding Ratio (NSFR while the liquidity measures involved Government Securities Ratio (GSR and Brokered Deposit Ratio (BDR. Results showed that a response of Net Stable Funding Ratio to a shock in Liquidity Coverage Ratio decreased in the first quarter and a steady continuous increase in the next quarters was observed. A shock on the Liquidity Coverage Ratio therefore would cause banks to increase their level of Net Stable Funding Ratio. This explains why the Liquidity Coverage Ratio is considered for a short term stress period of 30 calender days while the Net Stable Funding Ratio will be considered for a longer stress period of 1 year when fully implemented by banks.

Social Media Marketing – Analysis of Online presence of Slovak banks

Directory of Open Access Journals (Sweden)

Tomas Feige

2013-07-01

Full Text Available Paper focuses on areas of Social Media Marketing and Social Network Analysis. It describes case-study of joint university-business project of analysis of online presence of Slovak banks which took place in cooperation with IBM CZ in early 2012. This project was aimed at general analysis of online presence of Slovak banks, uncovering the structure of various channels and forms of bank-customer interaction and identifying key actors in banks social networks along with general sentiment and climate. Paper gives a general overview of the project and its challenges and presents high-level results.

DOE/ANL/HTRI heat exchanger tube vibration data bank

International Nuclear Information System (INIS)

Halle, H.; Chenoweth, J.M.; Wambsganss, M.W.

1980-02-01

Development of a new heat exchanger tube vibration data bank at Argonne National Laboratory is described. Comprehensive case histories on heat exchangers that have experienced tube-vibration problems and units that have been trouble-free are accumulated and this information is rendered available for evaluation, improvement, and development of vibration-prediction methods and design guidelines. Discussions include difficulties in generating a data bank, data form development, and solicitation efforts. Also included are 15 case histories upon which the data bank will be built. As new case histories are received, they will be assembled and published as addenda to this report

12 CFR 563c.1 - Form and content of financial statements.

Science.gov (United States)

2010-01-01

... ACCOUNTING REQUIREMENTS Form and Content of Financial Statements § 563c.1 Form and content of financial... statements shall: (1) Be prepared and presented in accordance with generally accepted accounting principles... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Form and content of financial statements. 563c...

Security analysis of electronic voting and online banking systems

OpenAIRE

Tjøstheim, Thomas

2007-01-01

The main focus of this dissertation is on security analysis of electronic voting and online banking systems. Six papers form the basis of the thesis and include the following topics: a model for analysis of voting systems, a case study where we apply the proposed model, a new scheme for remote electronic voting, and three case studies of commercial online banking solutions in Norway.

EVALUASI KUALITAS FUNGSI INTERNAL AUDITOR DALAM MENINGKATKAN EFEKTIVITAS BANK

Directory of Open Access Journals (Sweden)

Sihwahjoeni Sihwahjoeni

2017-03-01

Full Text Available Internal auditor was a part that could not be separated from audit internal department. Internal auditor was theside considered having independency and high objectivity so it was expected to perform its task without pressurefrom anywhere. As the independent side, internal auditor was easier to see marks deviations done by managementparty related to their job result and the things related to internal control. Internal auditor had to be able maximallyto give the contribution for the increase and bank development. This research evaluated the internal auditorfunction implementation on banks, analyzed the contribution form given by internal auditor to a bank, anddescribed the bank trick to increase internal auditor quality to be able to give contribution to a bank. Frequentanalysis technique in this research was structural equation modelling (SEM operated through AMOS 16 program.Based on analysis result, it showed that objectivity, performance and audit job, result communication, andaim, authority and accountability had a significant effect to a bank effectiveness, while independency, scope andinternal audit, profession efficiency, follow-up, and plan and operation did not have a significant effect towardbank effectiveness.

The Aggression Observation Short Form Identified Episodes Not Reported on the Staff Observation Aggression Scale-Revised

DEFF Research Database (Denmark)

Hvidhjelm, Jacob; Sestoft, Dorte; Bjørner, Jakob Bue

2014-01-01

The purpose of this study is to evaluate the underreporting of violence and aggression on the Staff Observation Aggression Scale-Revised (SOAS-R) when compared to a simpler assessment: the Aggression Observation Short Form (AOS). During a period of one year, two open and two closed wards gathered...... for open wards and for patients with short admission lengths. Standard instruments such as the SOAS-R underreport aggressive episodes by 45% or more. Underreporting can be reduced by introducing shorter instruments, but it cannot be completely eliminated....

"Nothing is going to change three months from now": A mixed methods characterization of food bank use in Greater Vancouver.

Science.gov (United States)

Holmes, Eleanor; Black, Jennifer L; Heckelman, Amber; Lear, Scott A; Seto, Darlene; Fowokan, Adeleke; Wittman, Hannah

2018-03-01

North American food bank use has risen dramatically since the 1980s, and over 850,000 Canadians were estimated to have visited a food bank monthly in 2015. Food banks serve multiple roles in communities, ranging from 'emergency responses' to individualized and short-term experiences of hunger, to 'chronic' supports as part of long-term subsistence strategies. This study used a mixed-methods design to examine the spectrum of food bank user experiences in a large urban context, as part of a community-based project aiming to envision a redesign of the food bank to contribute to broader community food security outcomes. Survey (n = 77) and focus group (n = 27) results suggested that participants widely viewed food banks as a long-term food-access strategy. Inadequate financial resources, steep increases in housing and food costs, and long-term health challenges emerged as the most prominent factors influencing food bank use. Participants commonly reported unmet food needs despite food bank use, limited agency over factors influencing access to sufficient food, and anticipated requiring food bank services in future. These findings contest global constructions of food banks as "emergency" food providers and support growing evidence that food banks are an insufficient response to chronic poverty, lack of affordable housing and insufficient social assistance rates underlying experiences of food insecurity. Participants envisioned changes to the food bank system to increase community food security including improved food quality and quantity (short-term), changes to service delivery and increased connections with health services (capacity building), and a greater role in poverty reduction advocacy (system redesign). Copyright © 2018. Published by Elsevier Ltd.

Automatically producing tailored web materials for public administration

Science.gov (United States)

Colineau, Nathalie; Paris, Cécile; Vander Linden, Keith

2013-06-01

Public administration organizations commonly produce citizen-focused, informational materials describing public programs and the conditions under which citizens or citizen groups are eligible for these programs. The organizations write these materials for generic audiences because of the excessive human resource costs that would be required to produce personalized materials for everyone. Unfortunately, generic materials tend to be longer and harder to understand than materials tailored for particular citizens. Our work explores the feasibility and effectiveness of automatically producing tailored materials. We have developed an adaptive hypermedia application system that automatically produces tailored informational materials and have evaluated it in a series of studies. The studies demonstrate that: (1) subjects prefer tailored materials over generic materials, even if the tailoring requires answering a set of demographic questions first; (2) tailored materials are more effective at supporting subjects in their task of learning about public programs; and (3) the time required to specify the demographic information on which the tailoring is based does not significantly slow down the subjects in their information seeking task.

77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-08-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-28

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-06

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-12

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...