WorldWideScience

Sample records for aid financial

  1. The Role of Community College Financial Aid Counselors in Helping Students Understand and Utilize Financial Aid

    Science.gov (United States)

    McKinney, Lyle; Roberts, Toya

    2012-01-01

    Financial aid counselors are a primary source of information that many students rely upon to understand financial aid and how to pay for college. However, little is known about financial aid counselors at America's community colleges and their interactions with the students they serve. Using original survey data, this study examined the role these…

  2. How College Pricing Undermines Financial Aid

    Science.gov (United States)

    Martin, Robert E.; Gillen, Andrew

    2011-01-01

    The primary purpose of government provided student financial aid is to increase college access by bringing the out-of-pocket price of attendance within reach of more students. The basic idea is quite straightforward. If a good or service costs $100 to buy and the government gives consumers a $50 subsidy, then consumers need only spend $50 of their…

  3. Optimization Techniques for College Financial Aid Managers

    Science.gov (United States)

    Bosshardt, Donald I.; Lichtenstein, Larry; Palumbo, George; Zaporowski, Mark P.

    2010-01-01

    In the context of a theoretical model of expected profit maximization, this paper shows how historic institutional data can be used to assist enrollment managers in determining the level of financial aid for students with varying demographic and quality characteristics. Optimal tuition pricing in conjunction with empirical estimation of…

  4. How to Make Financial Aid "Freshman-Friendly"

    Science.gov (United States)

    Pugh, Susan L.; Johnson, David B.

    2011-01-01

    Ultimately, making financial aid "freshman friendly" also makes financial aid "sophomore friendly," "junior friendly," and "senior friendly." Indiana University has in place an Office of Enrollment Management (OEM) model that includes focused financial aid packaging strategies complemented by unique contact services and communication interventions…

  5. Overcoming the Financial Aid Barrier for E-Learners

    Science.gov (United States)

    Chaloux, Bruce

    2008-01-01

    Financial aid systems help make higher education available to all who can benefit. To "adjust" the existing financial aid system to make it more student friendly and open doors currently closed to many part-time learners and students with the greatest financial challenges, state policy changes and greater private sector initiatives targeted at…

  6. Guide to Financial Aid for American Indian Students.

    Science.gov (United States)

    Thurber, Hanna J., Ed.; Thomason, Timothy C., Ed.

    This directory compiles information on college financial aid for American Indian and Alaska Native students. Information is provided on approximately 175 programs exclusively for American Indian and Alaska Native students, including private scholarships and fellowships, school-specific programs and scholarships, state financial aid, tribal…

  7. Perceptions of Financial Aid among California Latino Youth

    Science.gov (United States)

    Tomas Rivera Policy Institute, 2005

    2005-01-01

    This document summarizes the results of a 15-minute survey that was administered to four hundred 18-24 year-old Latino youth in California to determine their perceptions of financial aid. Among the key findings were that (1) three out of four Latino young adults who did not attend college cited lack of financial aid as a factor in their decision…

  8. The Effect of State Financial Aid Policies on College Completion

    Science.gov (United States)

    Ragland, Sheri E.

    2016-01-01

    In 2008, state legislatures provided $6 billion in financial aid to 2 million low-income young adults. When low-income young adults receive state financial aid and do not complete college, states lose their investment because fewer people with degrees will contribute to the state's economy. Declining states' budgets have led to (a) the rising cost…

  9. 34 CFR 668.19 - Financial aid history.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Financial aid history. 668.19 Section 668.19 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION... Programs § 668.19 Financial aid history. (a) Before an institution may disburse title IV, HEA program...

  10. A Financial Aid Competency Model for Professional Development

    Science.gov (United States)

    Woolf, Neil; Martinez, Mario

    2013-01-01

    This research explores the competencies that financial aid officers need to be successful in their jobs. A survey of 30 competencies was distributed to 508 financial aid officers in the Western United States. Respondents were asked to rate 30 job competencies for their relative importance and frequency of use. Using exploratory factor analysis,…

  11. How People Think About: College Prices, Quality, and Financial Aid

    Science.gov (United States)

    Shireman, Robert; Baum, Sandy; Steele, Patricia

    2012-01-01

    Over the past year, the authors have discussed college prices, college quality, and student financial aid with elected officials and staff from several state legislatures, financial aid administrators from a variety of campuses, and policy analysts from Washington DC advocacy organizations. They have also been able to informally gain insights at…

  12. Trends in State Financial Aid: Actions from the 2013 and 2014 Legislative Sessions. Financial Aid: Trends in the States

    Science.gov (United States)

    Pingel, Sarah

    2014-01-01

    The outcomes states gain from investing in postsecondary financial aid programs remain hotly debated, leading to great interest in developing programs that are both cost-effective and productive in helping states meet goals. In the 2012-13 academic year, states collectively provided approximately $11.2 billion in financial aid to students enrolled…

  13. Reimagining Financial Aid to Improve Student Access and Outcomes

    Science.gov (United States)

    National Association of Student Financial Aid Administrators (NJ1), 2013

    2013-01-01

    As the student aid programs rapidly approach reauthorization in 2014, they continue to face severe funding and efficiency problems. With grant assistance from the Bill & Melinda Gates Foundation through their "Reimagining Aid Design and Delivery" (RADD) project, the National Association of Student Financial Aid Administrators (NASFAA) examined…

  14. "Aid Like a Paycheck: Engaging with Policymakers and Practitioners to Evaluate and Improve Financial Aid"

    Science.gov (United States)

    Weissman, Evan; O'Connell, Jesse

    2016-01-01

    "Aid Like A Paycheck" is a large-scale pilot evaluation of whether an innovative approach to disbursing financial aid can improve academic and financial outcomes for low-income community college students. Lessons from the pilot evaluation were used to create and fine-tune a logic model depicting activities, outputs, mediators, and…

  15. Financial Aid Tipping Points: An Analysis of Aid and Academic Achievement at a California Community College

    Science.gov (United States)

    Coria, Elizabeth; Hoffman, John L.

    2016-01-01

    The purpose of this study was to explore relationships between financial aid awards and measures of student academic achievement. Financial aid and academic records for 11,956 students attending an urban California community college were examined and analyzed using simultaneous linear regression and two-way factorial ANOVAs. Findings revealed a…

  16. Clearing the Path: Delivering Financial Aid to Community College Students

    Science.gov (United States)

    Frick Cardelle, Rachel A.

    2013-01-01

    Low- and middle-income students at public, two-year institutions too often do not apply for college financial aid (Advisory Committee on Student Financial Assistance, 2008; Kantrowitz, 2009a, 2011). This research first examines national data to identify what the risk factors are for not applying and compares those risk factors for students at…

  17. Student Charges & Financial Aid, 2001-2002.

    Science.gov (United States)

    National Association of State Universities and Land Grant Colleges, Washington, DC.

    Data from a variety of sources confirmed that the opening of the 2001-2002 academic year brought a return to reduced appropriations for higher education and higher tuition increases. As the impact of the continued economic slowdown and the financial blows from the September terrorist attacks become known, policymakers continue to reduce budgets…

  18. Does Federal Financial Aid Policy Influence the Institutional Aid Policies of Four-Year Colleges and Universities? An Exploratory Analysis

    Science.gov (United States)

    Hossler, Don; Kwon, Jihye

    2015-01-01

    There is a dearth of empirical work that examines the relationships between federal financial aid policy and institutional financial aid priorities and expenditures. This study uses Resource Dependency Theory to explore whether changes the amount of financial aid awarded by colleges and universities during the last fifty years are best explained…

  19. European Financial Aid Use for Environmental Protection in Romania

    Directory of Open Access Journals (Sweden)

    Carmen Valentina RADULESCU

    2012-04-01

    Full Text Available The paper deals with the basic theoretical aspects and the policy of the European Union, which is financed by a number of budgetary instruments. Under this policy, Romania is qualified for financial aid to support economic and social development of the country. This aid is considerably higher than that the aid received by the pre-accession PHARE, ISPA and SAPARD programs. The EU serves for the financing of policies, the largest amounts being allocated to the common agricultural policy. The paper bring in details on several aspects such as: what are the structural funds, which are institutions that manage them, and the ways of accessing these funds.

  20. Undocumented College Students, Taxation, and Financial Aid: A Technical Note

    Science.gov (United States)

    Olivas, Michael A.

    2009-01-01

    A surprising amount of litigation and legislation has erupted over undocumented college students. Victims at the federal level are the DREAM Act and immigration reform. Financial aid raises technical issues for undocumented college applicants and for the citizen children of undocumented parents. Generally, the undocumented are ineligible for…

  1. Facts for Education Advocates: Price of College and Financial Aid

    Science.gov (United States)

    Alliance for Excellent Education, 2008

    2008-01-01

    The price of college, particularly relative to the amount of available financial aid, has been increasing and has been cited as a major barrier to college attendance and completion. And given the recent economic downturn, these issues have taken on even greater significance to students, their families, educators, employers, policymakers and…

  2. Financial Aid, Access, and America's Social Contract with Higher Education

    Science.gov (United States)

    Green, Thomas C.

    2005-01-01

    Over the last century, Americans have formed a social contract with higher education through the development of and changes to student financial aid programs. These federal, state, and institutional programs are the manifestation of the value we place on who should and who does pay the costs of higher education. Grants versus loans and low-income…

  3. Financial Aid for Minorities in Business and Law.

    Science.gov (United States)

    Garrett Park Press, MD.

    This directory of financial aid sources for minority students majoring in business (including accounting, finance, human relations, information services, marketing and production) or law includes the following types of information: (1) summary and description of the fields, including college enrollment statistics, demand for graduates, and…

  4. Budget Cuts: Financial Aid Offices Face Budget Cuts and Increasing Workload. Quick Scan Survey Results

    Science.gov (United States)

    National Association of Student Financial Aid Administrators (NJ1), 2010

    2010-01-01

    The majority of college financial aid offices have seen cuts to their operating budgets this year compared to the 2007-08 academic year when the recession began, according to the National Association of Student Financial Aid Administrator's latest QuickScan Survey. Sixty-two percent of financial aid offices reported operating budget cuts this year…

  5. 76 FR 45546 - Public Meeting on Recommendations for Improvement of Student Financial Aid Offer Forms...

    Science.gov (United States)

    2011-07-29

    ... Internet at the Department's Model Financial Aid Offer page. V. Comments We are holding this public meeting... Public Meeting on Recommendations for Improvement of Student Financial Aid Offer Forms, Development of... interested parties to discuss and offer recommendations for improvements to student financial aid offer...

  6. Using Financial Aid to Speed Degree Completion: A Look at MDRC's Research. Issue Focus

    Science.gov (United States)

    MDRC, 2016

    2016-01-01

    Financial aid has long been used to increase access to postsecondary education, particularly for underrepresented students. Given the size of the financial aid system and the widespread use of aid, it should also be thought of as a tool to improve academic success and postsecondary completion. Evidence suggests that using additional financial aid…

  7. Financial Needs and Access to Aid among Chinese Vocational High School Students

    Science.gov (United States)

    Yang, Po

    2013-01-01

    This study analyzed 586 students from nine vocational high schools in three provinces in China. It found a substantial gap between the demand for and the supply of government financial aid. Moreover, correct student aid information and aid application was not equally distributed among various student groups. A financial aid application made a…

  8. Financial Aid's Role in Meeting State College Completion Goals

    Science.gov (United States)

    Hillman, Nicholas W.; Orians, Erica Lee

    2013-01-01

    This brief utilizes the most recent and rigorous financial aid research to inform state higher education leaders about innovative and effective financial aid practices. By simplifying aid eligibility requirements, improving the aid application process, and engaging in early awareness efforts, states could improve the effectiveness of existing aid…

  9. Guia para estudiantes: Ayuda economica, 2002-2003 (The Student Guide: Financial Aid, 2002-2003).

    Science.gov (United States)

    Department of Education, Washington, DC. Student Financial Assistance.

    This Spanish-language publication explains what federal student financial aid is and what types of student aid are available. The introductory section, "Student Aid at a Glance," presents information about what student aid is, who gets it, and how to get it. The second section discusses "Finding out about Student Aid." The next section provides…

  10. Student Financial Aid in Maryland: Programs, Trends, and Analysis. Postsecondary Education Research Reports.

    Science.gov (United States)

    Breslin, Janice

    Trends in financial aid to students in Maryland colleges and universities are reported. Attention is directed to the distribution of different types of aid to undergraduate and graduate students, and financial aid awarded by type of institution. Characteristics of recipients of Guaranteed Student Loans, General State Scholarships, and Senatorial…

  11. Enrollment and Financial Aid Models for Higher Education, Phase II Final Report.

    Science.gov (United States)

    Mathematica, Inc., Bethesda, MD.

    In this report four models are formulated which forecast the enrollment and financial needs of students in higher education. The four models are: the undergraduate enrollment model, postbaccalaureate enrollment model, undergraduate student aid model, and postbaccalaureate student aid model. In addition to computing total financial needs, these…

  12. Student Financial Aid Handbook, 2000-2001. Volume 1: Student Eligibility.

    Science.gov (United States)

    Department of Education, Washington, DC. Student Financial Assistance.

    This handbook helps financial aid administrators determine students' eligibility for aid from the U.S. Department of Education's Student Financial Assistance (SFA) programs. An introduction describes information sources, conflicting information, fraud case referral, status change, electronic requirements, the application system, and recent…

  13. Determinants of Persistence and the Role of Financial Aid: Lessons from Chile

    Science.gov (United States)

    Santelices, María Verónica; Catalán, Ximena; Kruger, Diana; Horn, Catherine

    2016-01-01

    This article explores the determinants of persistence in the Chilean higher education system, considering academic and socio-demographic factors as well as the role of financial aid. The financial aid policy for students in Chile has undergone major changes over the last decade, which has allowed individuals from usually underrepresented income…

  14. Reimagining Financial Aid to Improve Student Access and Outcomes. Executive Summary

    Science.gov (United States)

    National Association of Student Financial Aid Administrators (NJ1), 2013

    2013-01-01

    As the student aid programs rapidly approach reauthorization in 2014, they continue to face severe funding and efficiency problems. With grant assistance from the Bill & Melinda Gates Foundation through their "Reimagining Aid Design and Delivery" (RADD) project, the National Association of Student Financial Aid Administrators (NASFAA) examined…

  15. 75 FR 42749 - Fidelity National Financial, Inc.; Analysis of the Agreement Containing Consent Order to Aid...

    Science.gov (United States)

    2010-07-22

    ... Fidelity National Financial, Inc.; Analysis of the Agreement Containing Consent Order to Aid Public Comment... or unfair methods of competition. The attached Analysis to Aid Public Comment describes both the... following Analysis to Aid Public Comment describes the terms of the consent agreement, and the...

  16. Ayuda economica: Guia para estudiantes, 2001-2002 (Financial Aid: Student Guide, 2001-2002).

    Science.gov (United States)

    Office of Student Financial Assistance (ED), Washington, DC.

    This guide, written in Spanish, describes federal student aid programs for postsecondary education and how to apply for them. It begins by outlining sources for learning about student aid, such as school financial aid administrators, state higher education agencies, foundations, organizations related to particular fields of interest and toll-free…

  17. Income and financial aid effects on persistence and degree attainment in public colleges

    Directory of Open Access Journals (Sweden)

    Alicia C. Dowd

    2004-05-01

    Full Text Available This study examined the distribution of financial aid among financially dependent four-year college students and the effectiveness of different types of financial aid in promoting student persistence and timely bachelor’s degree attainment. The findings of descriptive statistical and logistic regression analyses using the NCES Beginning Postsecondary Students (1990-94 data show that subsidized loans taken in the first year of college have a positive effect on persistence. The first-year distribution of aid does not close the income gap in bachelor’s degree attainment. Living on campus and first-year grade point average are the most important predictors of timely degree completion.

  18. Causation and Caution in Financial Aid Reform: A Historical Perspective through Multiple Shades of Gray Literature

    Science.gov (United States)

    Broomhead, Keiko Shimizu

    2013-01-01

    To better understand how a once well-intentioned concept of financial tuition assistance for college students has devolved into its current troubled and broken state, this doctoral thesis explored the evolution of the U.S. system of federal financial aid in higher education from a historical perspective. The study began with a review of the…

  19. Which Cooperative Ownership Model Performs Better? A Financial-Decision Aid Approach

    NARCIS (Netherlands)

    Kalogeras, N.; Pennings, J.M.E.; Benos, T.; Doumpos, M.

    2013-01-01

    In this article the financial/ownership structures of agribusiness cooperatives are analyzed to examine whether new cooperative models perform better than the more traditional ones. The assessment procedure introduces a new financial decision-aid approach, which is based on data-analysis techniques

  20. The Effects of Financial Aid in High School on Academic and Labor Market Outcomes: A Quasi-Experimental Study

    OpenAIRE

    Humlum, Maria Knoth; Vejlin, Rune Majlund

    2009-01-01

    We investigate the effects of financial aid on student employment and academic outcomesin high school. We exploit administrative differences in the amount of financial aid receivedbased on timing of birth to identify the causal effects of interest. Specifically, individualsborn early in a quarter receive less financial aid than comparable individuals born late in theprevious quarter. We find that receiving less aid induces individuals to work more during highschool. However, we do not find an...

  1. Undergraduates Who Do Not Apply for Financial Aid. Data Point. NCES 2016-406

    Science.gov (United States)

    Ifill, Nicole

    2016-01-01

    This report is based on data from the 2011-12 National Postsecondary Student Aid Study (NPSAS:12), a large, nationally representative sample survey of students that focuses on how they finance their education. NPSAS includes data on the application for and receipt of financial aid, including grants, loans, assistantships, scholarships,…

  2. Here Today, Gone Tomorrow? Investigating Rates and Patterns of Financial Aid Renewal among College Freshmen

    Science.gov (United States)

    Bird, Kelli; Castleman, Benjamin L.

    2016-01-01

    College affordability continues to be a top concern among prospective students, their families, and policy makers. Prior work has demonstrated that a significant share of prospective students forgo financial aid because they did not complete the Free Application for Federal Student Aid (FAFSA); recent federal policy efforts have focused on…

  3. The Effects of Financial Aid in High School on Academic and Labor Market Outcomes: A Quasi-Experimental Study

    DEFF Research Database (Denmark)

    Humlum, Maria Knoth; Vejlin, Rune Majlund

    We investigate the effects of financial aid on student employment and academic outcomes in high school. We exploit administrative differences in the amount of financial aid received based on timing of birth to identify the causal effects of interest. Specifically, individuals born early...... in a quarter receive less financial aid than comparable individuals born late in the previous quarter. We find that receiving less aid induces individuals to work more during high school. However, we do not find any evidence that receiving less financial aid and thereby working more is associated with any...

  4. College Savings Plans, Financial Aid, and Tax Strategy

    Science.gov (United States)

    Whiteside, Richard; Mentz, George S.

    2004-01-01

    A college degree is one of the most expensive purchases an American family can make. While today's costs are higher than ever before, parents have many more options whose sheer number and complexity have given rise to a whole new field-financial planning for college. This article, which is based on materials created for the enrollment management…

  5. Community College Students and Federal Student Financial Aid: A Primer

    Science.gov (United States)

    Juszkiewicz, Jolanta

    2014-01-01

    The federal government plays an indispensable role in helping community college students pay for their education. It is hard to imagine today's community college campuses without needs-based federal student aid, such as the Pell Grant program and subsidized loans. There are, however, significant differences between community college students and…

  6. When a Group Presentation Isn't Enough: Financial Aid Advising for Low-Income Urban College-Bound Students

    Science.gov (United States)

    Venegas, Kristan M.; Hallett, Ronald E.

    2008-01-01

    Group presentations are an easy way to reach large groups of students and parents at one time. When group presentations are well done, they increase students' and families' knowledge of the financial aid process by providing information and building students' and their families' confidence as they navigate the financial aid process. Unfortunately,…

  7. Barriers to Need-Based Financial Aid: Predictors of Timely FAFSA Completion among Low-Income Students

    Science.gov (United States)

    Feeney, Mary; Heroff, John

    2013-01-01

    Access to financial aid is dependent on a variety of factors, including the time of application; the earlier students apply for financial aid, the greater their access to institutional and often state resources. We use the Illinois Monetary Award Program (MAP) as a case for investigating the economic, social, and academic factors that affect…

  8. The Division III Financial Aid Reporting Process: Findings and Review Results, 2005-06 through 2008-09

    Science.gov (United States)

    National Collegiate Athletic Association (NJ1), 2009

    2009-01-01

    This report marks the completion of the 2008-09 reporting cycle and the fourth year of the Division III Financial Aid Reporting Program. The report examines findings for all reporting institutions from each of the four reporting cycles, and details the outcomes of the Division III Financial Aid Committee's 2008-09 review process. Four calculations…

  9. A Conceptual Analysis of State Support for Higher Education: Appropriations versus Need-Based Financial Aid

    Science.gov (United States)

    Toutkoushian, Robert K.; Shafiq, M. Najeeb

    2010-01-01

    In this paper, we use economic concepts to examine the choice that states make between giving appropriations to public colleges or need-based financial aid to students. We begin by reviewing the economic justification for state support for higher education. Next, we introduce a simple economic model for comparing and contrasting appropriations and…

  10. Recession, Retrenchment, and Recovery: State Higher Education Funding & Student Financial Aid. Volume II: State Profiles

    Science.gov (United States)

    Ambrose, Allison S.; Hines, Edward R.; Hodel, Ross A.; Kelly, Kathleen F.; Mushrush, Christopher E., Pruden, Sheila J.; Vogt, W. Paul

    2006-01-01

    This report is a companion to "Recession, Retrenchment and Recovery: Higher Education Funding and Student Financial Aid" (ED502180). It provides profiles of individual states and their performance on a variety of measures used in the economic and fiscal analysis of the Recession, Retrenchment and Recovery project. The profiles describe the results…

  11. The Shifting Financial Aid System in Spanish University: Grant-Recipients' Experiences and Strategies

    Science.gov (United States)

    Río-Ruiz, Manuel Ángel; Jiménez-Rodrigo, María Luisa; Caro-Cabrera, Manuel Jesús

    2015-01-01

    In 2012 Spain inaugurated a reform of its higher education financial aid system inspired by three principles: cost-sharing, increasing academic performance and school efficiency. This reform has shifted the aim of the system from equality of access to a type of meritocracy that can be defined as class-biased, as it is only applied to low-income…

  12. Como preparar un programa de informacion sobre la asistencia economica (Planning a Financial Aid Awareness Program).

    Science.gov (United States)

    Department of Education, Washington, DC.

    This booklet, written in Spanish, is intended to be used with a set of slides as part of a presentation to students on "How To Apply for Federal Student Aid" ("Como Solicitar la Asistencia Economica Federal para Estudiantes"). The first part of the book is a script based on the slides. After the script is a guide to hosting a financial aid…

  13. The Association between Financial Aid Availability and the College Dropout Rates in Colombia

    Science.gov (United States)

    Melguizo, Tatiana; Torres, Fabio Sanchez; Jaime, Haider

    2011-01-01

    The main objective of this study is to estimate the association between financial aid and college dropout rates of postsecondary students in Colombia. We use a unique dataset from the Colombian Ministry of Education that includes all enrolled college students in the country between 1998 and 2008. Logistic regression is used to identify the…

  14. State Financial Aid: Applying Redesign Principles through State Engagement. Special Report

    Science.gov (United States)

    Pingel, Sarah

    2016-01-01

    College is increasingly expensive for students, but states have an important policy tool to help defray the costs: state financial aid programs. However, many states' programs are misaligned with articulated strategic postsecondary education policy goals. Over the past two years, Education Commission of the States has supported a variety of…

  15. Colorado Community College System Financial Aid Services: Cost Analyses and Cost Efficiency Study

    Science.gov (United States)

    Beckmann, Dale

    2004-01-01

    This study was conducted in two phases. One, the Cost Analysis, reports on inventory and analysis of actual estimated costs for delivering financial aid services to students and potential students in thirteen Colorado Community College System (CCCS) community colleges in Fiscal Year 2003. Additionally, an assessment of services and functions is…

  16. Supporting Students beyond Financial Aid: Low-Income Students Need Support That Goes Beyond Tuition Assistance

    Science.gov (United States)

    Pierce, Dennis

    2016-01-01

    Low-income students face a number of obstacles that go beyond the cost of tuition and fees. For instance, their schooling often requires expenses that aren't covered by financial aid, such as books and commuting costs. What's more, education is often competing for their time with other responsibilities, such as the need to work or take care of…

  17. The Effect of Labor Market Conditions and Financial Aid on Doctoral Student Retention

    Science.gov (United States)

    Ampaw, Frimpomaa D.

    2010-01-01

    Forty-three percent of doctoral students never complete their degree. This dropout is the highest among graduate and professional degree programs. Previous cross sectional studies of doctoral students' retention show the importance of financial aid in predicting degree completion. The studies however, do not estimate the labor market's effect on…

  18. Financial issues in defining levels for HIV/AIDS research.

    Science.gov (United States)

    Eastaugh, S R

    1998-01-01

    This article outlines the issues in cost identification and fair payment for acquired immune deficiency syndrome (AIDS) research. Costs need to be better identified using activity-based costing methods to reveal the structural pattern of care. Patterns of care can be too expensive if they: (1) overutilize the hospital as the locus of care, or (2) underutilize prevention and education. Managers need to learn more about the cost identification issues payers face in designing a fair payment system. In the long run, more health care professionals would serve the cause of innovation and biomedical research if they all work together to define a stable fair funding mechanism. Payers need to learn that fair payment of indirect costs is not a bonus or a windfall profit. PMID:9718508

  19. Fact Sheet: LGBT Discrimination in Higher Education Financial Aid--Assistance Should Be Allocated on Need, Not Sexual Orientation

    Science.gov (United States)

    Burns, Crosby

    2012-01-01

    Through the Free Application for Federal Student Aid, or FAFSA, the federal government provides more financial aid for higher education than any other institution. But because of discriminatory laws the FAFSA treats families headed by two mothers or two fathers differently than families headed by a mother and a father. This treatment distributes…

  20. Attraction And Allocation Of The Foreign Financial Aid In The Context Of Current Economic Challenges And Historical Experience Of The "Marshall Plan's" Implementation

    OpenAIRE

    Tetyana Bohdan

    2014-01-01

    Author highlights the necessity to draw international financial aid for Ukraine, identify similarities and differences of "Marshall Plan" for post-war Europe and current financial aid for Ukraine. She explains the investment levers of "Marshall Plan" which are extremely important for reconstruction of the Ukrainian economy and modernization of its production basis. Author elaborates the key principles of formation and allocations of the foreign financial aid for Ukraine, which are related to ...

  1. Guia para estudiantes: Ayuda economica del Departamento de Educacion de los Estados Unidos, 2003-2004 (The Student Guide: Financial Aid from the U.S. Department of Education, 2003-2004).

    Science.gov (United States)

    Office of Federal Student Aid (ED), Washington, DC.

    This Spanish language publication explains what federal student financial aid is and the types of student financial aid that are available. The guide opens with an overview of federal student financial aid, and then discusses how to find out about student aid. A section of general information discusses eligibility and dependency. Types of federal…

  2. Emotional, physical and financial burdens of stigma against people living with HIV/AIDS in China.

    Science.gov (United States)

    Zhang, Chen; Li, Xiaoming; Liu, Yu; Qiao, Shan; Zhang, Liying; Zhou, Yuejiao; Shen, Zhiyong; Tang, Zhengzhu

    2016-01-01

    Numerous researches have shown pernicious effects of stigma against people living with HIV/AIDS (PLWHA). However, no available studies have reported these negative effects including emotional, physical to financial burdens to PLWHA. In the current study, we aim to explore different types of stigma (e.g., perceived, internalized and enacted) and the relevant consequences among PLWHA in China. A cross-sectional study was conducted from 2012 to 2013 in the Guangxi Autonomous Region in China. The validated Berger HIV Stigma Scale was used to measure various types of stigma. We employed a series of linear, logistic and polytomous regression models to assess the association between stigma and different consequences while accounting for potential confounders for each specific model. Of the total sample, 2987 PLWHA provided valid responses with 63% being male and having an average age of 42.9 years. Perceived, internalized and enacted HIV stigma were prevalent among participants, and resulted in various burdens with different magnitudes in their life contexts. Specially, PLWHA who reported higher perceived and internalized stigma were more likely to be imposed on emotional and physical burdens (p financial burden compared to their peers (p < .05). Our findings revealed that devastating consequences of HIV-related stigma in China. The prevalent stigmatizing attitudes have pushed PLWHA to the fringes of society and affected them at multiple aspects in their life context. We call for tailored efforts to overcome stigma and discrimination against PLWHA. PMID:26886415

  3. Emotional, physical and financial burdens of stigma against people living with HIV/AIDS in China.

    Science.gov (United States)

    Zhang, Chen; Li, Xiaoming; Liu, Yu; Qiao, Shan; Zhang, Liying; Zhou, Yuejiao; Shen, Zhiyong; Tang, Zhengzhu

    2016-01-01

    Numerous researches have shown pernicious effects of stigma against people living with HIV/AIDS (PLWHA). However, no available studies have reported these negative effects including emotional, physical to financial burdens to PLWHA. In the current study, we aim to explore different types of stigma (e.g., perceived, internalized and enacted) and the relevant consequences among PLWHA in China. A cross-sectional study was conducted from 2012 to 2013 in the Guangxi Autonomous Region in China. The validated Berger HIV Stigma Scale was used to measure various types of stigma. We employed a series of linear, logistic and polytomous regression models to assess the association between stigma and different consequences while accounting for potential confounders for each specific model. Of the total sample, 2987 PLWHA provided valid responses with 63% being male and having an average age of 42.9 years. Perceived, internalized and enacted HIV stigma were prevalent among participants, and resulted in various burdens with different magnitudes in their life contexts. Specially, PLWHA who reported higher perceived and internalized stigma were more likely to be imposed on emotional and physical burdens (p financial burden compared to their peers (p < .05). Our findings revealed that devastating consequences of HIV-related stigma in China. The prevalent stigmatizing attitudes have pushed PLWHA to the fringes of society and affected them at multiple aspects in their life context. We call for tailored efforts to overcome stigma and discrimination against PLWHA.

  4. Financial Aid for the Rehabilitation of Individuals with Spinal Cord Injuries in Bangladesh

    Directory of Open Access Journals (Sweden)

    Ilias Mahmud

    2012-08-01

    Full Text Available In Bangladesh, a majority of individuals with spinal cord injuries (SCI are either poor or very poor. In most cases, their families undergo extreme hardship as they lose the income of the only or main earning member, and are unable to bear costs of rehabilitation.Purpose: This mixed method study explored perspectives of individuals with SCI regarding financial aid in the form of interest-free loans for their treatment and rehabilitation at the Centre for the Rehabilitation of the Paralysed (CRP.Method: In the first part of the study, 10 semi-structured face-to-face interviews were conducted. In the second part of the study, 40 persons with SCI were surveyed. The qualitative method involved selection of respondents according to their age, sex and severity of disability. Quantitative interviews were conducted with all persons with SCI in the final stage of hospital rehabilitation, in the third quarter of 2008. Results: Though CRP provides financial support depending on the individual’s economic status, many persons with SCI needed additional funding from multiple sources, such as savings (42.5%, mortgaging assets (12.5%, selling assets (45%, receiving loans (37.5%, begging for money (42.5%, and receiving donations from relatives (47.5% or the community (30%, to meet the direct and indirect costs of rehabilitation. Majority (85% of those interviewed wanted to receive financial aid in the form of interest-free loans. 76.4% of them wanted the loans to be disbursed in two phases; initially, to offset some of their costs during rehabilitation at CRP, and thereafter, for economic reintegration in their community. The remaining 23.6% wanted the loan only for vocational reintegration. 70.59% of those interviewed proposed repayment in monthly instalments, while 17.64% suggested quarterly instalments and 11.76% favoured annual instalments. Over half of the participants (55.88% wanted to have vocational training, and the rest wanted vocational training for

  5. Improving the Productivity of Education Experiments: Lessons from a Randomized Study of Need-Based Financial Aid

    Science.gov (United States)

    Harris, Douglas N.; Goldrick-Rab, Sara

    2012-01-01

    Given scarce resources for evaluation, we recommend that education researchers more frequently conduct comprehensive randomized trials that generate evidence on how, why, and under what conditions interventions succeed or fail in producing effects. Recent experience evaluating a randomized need-based financial aid intervention highlights some of…

  6. Come and Stay a While: Does Financial Aid Effect Enrollment and Retention at a Large Public University?

    Science.gov (United States)

    Singell, Larry D., Jr.

    Few studies have examined whether financial aid affects college retention. This paper models the decision to enroll and re-enroll in college, which yields a bivariate probit model that is estimated using detailed individual data from a large public university. The analysis uses the unique detail of institution-specific data to examine the effect…

  7. Financial Aid, Access & Equity, and State Policy: An Interview with Richard Freeland, Commissioner of Higher Education for Massachusetts

    Science.gov (United States)

    Jobs for the Future, 2012

    2012-01-01

    Many states are looking at effective ways to use financial incentives to encourage students to complete a postsecondary credential. JFF's new report, "Statewide Aid Policies to Improve College Access and Success", originally commissioned by the Massachusetts Department of Higher Education's Vision Project, has provided valuable background for that…

  8. The Blue Book: Accounting, Recordkeeping, and Reporting by Postsecondary Educational Institutions for Federally Funded Student Financial Aid Programs.

    Science.gov (United States)

    Department of Education, Washington, DC.

    This book provides guidance to school business office personnel who handle fiscal recordkeeping, accounting, and reporting functions for federal Title IV student financial aid programs authorized by the Higher Education Act of 1965, as amended. It provides a technical resource for Title IV management responsibilities that are shared among various…

  9. An Analysis of the Distribution of Student Financial Aid and Social Justice in China: A Quantitative Approach

    Science.gov (United States)

    Zou, Xiehua

    2009-01-01

    The Chinese government's stated objective of student financial aid (SFA) policy is to help students from low-income families to access higher levels of education. This article first explores the possible associations between the distribution of SFA and students' various demographic and academic backgrounds. Then it presents the findings regarding…

  10. Post-Secondary Attendance by Parental Income in the U.S. and Canada: What Role for Financial Aid Policy?

    OpenAIRE

    Belley, Philippe; Frenette, Marc; Lochner, Lance

    2011-01-01

    This paper examines the implications of tuition and need-based financial aid policies for family income - post-secondary (PS) attendance relationships. We first conduct a parallel empirical analysis of the effects of parental income on PS attendance for recent high school cohorts in both the U.S. and Canada using data from the 1997 Cohort of the National Longitudinal Survey of Youth and Youth in Transition Survey. We estimate substantially smaller PS attendance gaps by parental income in Cana...

  11. Policies in Sync: Appropriations, Tuition, and Financial Aid for Higher Education. A Compilation of Selected Papers. Changing Direction: Integrating Higher Education Financial Aid and Financing Policies.

    Science.gov (United States)

    Western Interstate Commission for Higher Education, Boulder, CO.

    These four papers look into a system comprised of integrated financial and financing policies. Each paper examines a different aspect that is critical to alignment. "Financing in Sync: Aligning Fiscal Policy with State Objectives" (Dennis Jones), identifies distinct elements of financing policy, describes alternative forms of these elements, and…

  12. Early & Often: Designing a Comprehensive System of Financial Aid Information. Abridged Report of the Advisory Committee on Student Financial Assistance

    Science.gov (United States)

    Advisory Committee on Student Financial Assistance, 2008

    2008-01-01

    Students and parents need ample time and accurate information to prepare for the financial burden of a college education--those who lack this knowledge base face a significant access barrier to higher education. The early intervention community is calling for a method of delivering age-appropriate information in a timely manner as one means of…

  13. Recession, Retrenchment, and Recovery: State Higher Education Funding & Student Financial Aid

    Science.gov (United States)

    Hodel, Ross; Laffey, Maureen; Lingenfelter, Paul

    2006-01-01

    The Recession, Retrenchment, and Recovery Project examined the effects of recessions on financial access to college during the 25-year period 1979-2004, identified states that have been relatively successful in maintaining financial access, and collected policy strategies used by these states. This study examined the similarities and differences…

  14. Evaluating the financial performance of agri-food firms: a multicriteria decision-aid approach

    NARCIS (Netherlands)

    Kalogeras, N.; Baourakis, G.; Zopounidis, C.; Dijk, van G.

    2005-01-01

    Food economists and financial researchers have long been preoccupied by the issue of evaluating the performance of agri-food firms. As the financial restructuring of the agri-business sector during the past two decades or so reflects sweeping changes that have occurred worldwide, questions have aris

  15. Financial Assistance Information

    Science.gov (United States)

    ... Other Sites: Genetic and Rare Diseases Information Center Financial Assistance Information The National Institutes of Health (NIH) ... area call 900-638-0742. Top of page Financial Aid for Medical Treatments Information on financial aid ...

  16. External financial aid to blood transfusion services in sub-Saharan Africa

    DEFF Research Database (Denmark)

    Ala, Fereydoun; Allain, Jean-Pierre; Bates, Imelda;

    2012-01-01

    Jean-Pierre Allain and colleagues argue that, while unintended, the foreign aid provided for blood transfusion services in sub-Saharan Africa has resulted in serious negative outcomes, which requires reflection and rethinking.......Jean-Pierre Allain and colleagues argue that, while unintended, the foreign aid provided for blood transfusion services in sub-Saharan Africa has resulted in serious negative outcomes, which requires reflection and rethinking....

  17. The effects of merit-based financial aid on drinking in college.

    Science.gov (United States)

    Cowan, Benjamin W; White, Dustin R

    2015-12-01

    We study the effect of state-level merit aid programs (such as Georgia's HOPE scholarship) on alcohol consumption among college students. Such programs have the potential to affect drinking through a combination of channels--such as raising students' disposable income and increasing the incentive to maintain a high GPA--that could theoretically raise or lower alcohol use. We find that the presence of a merit-aid program in one's state generally leads to an overall increase in (heavy) drinking. This effect is concentrated among men, students with lower parental education, older students, and students with high college GPA's. Our findings are robust to several alternative empirical specifications including event-study analyses by year of program adoption. Furthermore, no difference in high-school drinking is observed for students attending college in states with merit-aid programs. PMID:26476389

  18. THE ROLE OF STATE AIDS IN THE CURRENT FINANCIAL AND ECONOMIC CRISIS

    Directory of Open Access Journals (Sweden)

    Zugravu Bogdan-Gabriel

    2009-05-01

    Full Text Available This paper focuses on state aid’s role in the current financial and economic crisis, in order to help all the economic sectors to get back on their feet. The negative effects of the sub-prime mortgage lending affected not only the US, but also the Europea

  19. Guia para Presentar Solcitudes de Financiacion de Investigaciones (A Guide to Requesting Financial Aid for Research).

    Science.gov (United States)

    Ministerio de Educacion Nacional, Bogota (Colombia). Instituto Colombiano de Pedagogia.

    This booklet describes the procedures and requirements to be observed when financial support for education research is requested from the Instituto Colombiano de Pedagogia (ICOLPE), an educational improvement agency established by the Colombian government in 1968. The educational priorities for research are listed along with the rules and format…

  20. Hope for Whom? Financial Aid for the Middle Class and Its Impact on College Attendance

    OpenAIRE

    Dynarski, Susan

    2000-01-01

    The federal government and the states have recently enacted a slew of aid policies aimed at college students from middle- and high-income families. I estimate the impact of aid on the college attendance of middle- and upper-income youth by evaluating Georgia's HOPE Scholarship, the inspiration of the new federal Hope Scholarship. The results suggest that Georgia's program has had a surprisingly large impact on the college attendance rate of middle- and high-income youth. Using a set of nearby...

  1. [Financial Aid to Independent Students at the Post Secondary Level: The Federal Government's Role

    Science.gov (United States)

    Dellenback, John

    One of the new and complex issues related to student aid is the independent student controversy. The author wishes to increase the Basic Opportunity Grant (BOG) and substantially increase work study to help the independent student. For the immediate future the author would like to see: (1) The BOG refined as a major Federal grant program committed…

  2. The implications of aid as a financial flow amidst global imbalances

    NARCIS (Netherlands)

    A.M. Fischer (Andrew Martín)

    2011-01-01

    textabstractWithout denying the potential for publically-funded redistribution, as is done by market-advocates, we must acknowledge that the existing international aid architecture has largely failed in its purpose of inducing any significant degree of wealth redistribution between North and South,

  3. SUPERCOMPUTERS FOR AIDING ECONOMIC PROCESSES WITH REFERENCE TO THE FINANCIAL SECTOR

    Directory of Open Access Journals (Sweden)

    Jerzy Balicki

    2014-12-01

    Full Text Available The article discusses the use of supercomputers to support business processes with particular emphasis on the financial sector. A reference was made to the selected projects that support economic development. In particular, we propose the use of supercomputers to perform artificial intel-ligence methods in banking. The proposed methods combined with modern technology enables a significant increase in the competitiveness of enterprises and banks by adding new functionality.

  4. Changes in Financial Aid and Student Enrollment at Historically Black Colleges and Universities after the Tightening of PLUS Credit Standards. REL 2015-082

    Science.gov (United States)

    Johnson, Matthew; Bruch, Julie; Gill, Brian

    2015-01-01

    The purpose of this study was to examine the changes in financial aid and student enrollment at historically Black colleges and universities (HBCUs) after the U.S. Department of Education increased the credit history requirements necessary to obtain Parental Loans for Undergraduate Students (PLUS). The study used institution-level data to examine…

  5. Changes in Financial Aid and Student Enrollment at Historically Black Colleges and Universities after the Tightening of PLUS Credit Standards. Stated Briefly. REL 2015-088

    Science.gov (United States)

    Johnson, Matthew; Bruch, Julie; Gill, Brian

    2015-01-01

    This "Stated Briefly" report is a companion piece that summarizes the results of another report of the same name. The purpose of this study was to examine the changes in financial aid and student enrollment at historically Black colleges and universities (HBCUs) after the U.S. Department of Education increased the credit history…

  6. Comparisons among three types of generalist physicians: Personal characteristics, medical school experiences, financial aid, and other factors influencing career choice.

    Science.gov (United States)

    Xu, G; Veloski, J J; Barzansky, B; Hojat, M; Diamond, J; Silenzio, V M

    1996-01-01

    A national survey of family physicians, general internists, and general pediatricians was conducted in the US to examine differences among the three groups of generalists physicians, with particular regard to the factors influencing their choice of generalist career. Family physicians were more likely to have made their career decision before medical school, and were more likely to have come from inner-city or rural areas. Personal values and early role models play a very important role in influencing their career choice. In comparison, a higher proportion of general internists had financial aid service obligations and their choice of the specialty was least influenced by personal values. General pediatricians had more clinical experiences either in primary care or with underserved populations, and they regarded medical school experiences as more important in influencing their specialty choice than did the other two groups. Admission committees may use these specialty-related factors to develop strategies to attract students into each type of generalist career. PMID:24179019

  7. 46 Pct. of All Undergraduates Received Some Form of Financial Aid in Fall 1986, U.S. Study Shows.

    Science.gov (United States)

    Wilson, Robin

    1988-01-01

    The National Postsecondary Student Aid Study by the U.S. Department of Education examines the amount and types of aid students receive nationwide. The study covered aid distributed by the federal government, state governments, colleges and universities, and other sources. (MLW)

  8. MORE FINANCIAL Aids Needed

    Institute of Scientific and Technical Information of China (English)

    Li Zhen

    2008-01-01

    @@ Weeks have past since the out-break of May 12 Earthquake in southwest China's Sich-uan province. With the pos-sibility for the missing to survive becom-ing increasingly remote, more importance should be attached to the resettlement of quake-affected people, restoration of pro-duction and reconstruction, while efforts to search for survivors should continue.

  9. The effectiveness of financial incentives for smoking cessation during pregnancy: is it from being paid or from the extra aid?

    Directory of Open Access Journals (Sweden)

    Mantzari Eleni

    2012-04-01

    Full Text Available Abstract Background Financial incentives appear to be effective in promoting smoking cessation in pregnancy. The mechanisms by which they might operate however, are poorly understood. The present study examines how financial incentives for smoking cessation during pregnancy may work, by exploring pregnant women's experiences of trying to stop smoking, within and outside of a financial incentives scheme. Methods Thirty-six (n = 36 UK-based pregnant smokers (n = 36, offered standard NHS Stop-Smoking Services, of whom twenty (n = 20 were enrolled in a financial incentives scheme for smoking cessation (n = 20 and sixteen (n = 16 were not, were interviewed about (i their motivation to stop smoking, and (ii the factors they perceived as influencing their quitting efforts. Framework Analysis was used to analyse the data. Results Women in the two groups reported similar reasons for wanting to stop smoking during pregnancy. However, they described dissimilar experiences of the Stop-Smoking Services, which they perceived to have differentially influenced their quit attempts. Women who were incentivised reported using the services more than women who were not incentivised. In addition, they described the motivating experience of being monitored and receiving feedback on their progress. Non-incentivised women reported problems receiving the appropriate Nicotine Replacement Therapy, which they described as having a detrimental effect on their quitting efforts. Conclusion Women participating in a financial incentives scheme to stop smoking reported greater engagement with the Stop-Smoking Services, from which they described receiving more help in quitting than women who were not part of the scheme. These results highlight the complexity of financial incentives schemes and the intricacies surrounding the ways in which they operate to affect smoking cessation. These might involve influencing individuals' motivation and self-regulation, changing engagement with

  10. An Exploratory Study of College Purchase Options: How Financial Aid Widens Minorities' Choices. ASHE Annual Meeting Paper.

    Science.gov (United States)

    Millett, Catherine M.; MacKenzie, Susan

    This study examined, over a 3-year period, the ability of financial assistance for minority students to bridge the gap between generic higher education and the high-prestige, high-cost institutions that are associated with long-term economic benefits to graduates. Applying a variation of the status attainment model to data for the 1989-1990…

  11. The Effectiveness of a Single Intervention of Computer-Aided Argument Mapping in a Marketing and a Financial Accounting Subject

    Science.gov (United States)

    Carrington, Michal; Chen, Richard; Davies, Martin; Kaur, Jagjit; Neville, Benjamin

    2011-01-01

    An argument map visually represents the structure of an argument, outlining its informal logical connections and informing judgments as to its worthiness. Argument mapping can be augmented with dedicated software that aids the mapping process. Empirical evidence suggests that semester-length subjects using argument mapping along with dedicated…

  12. The Experience of France CNC Financial Aid Mode and its Enlightenment%法国CNC产业资助模式的经验与启示

    Institute of Scientific and Technical Information of China (English)

    朱佳俊; 程蓉

    2015-01-01

    在政策性与市场化的支持与资助的双重作用下,我国文化产业已发展成为新兴产业的重要组成部分,但其规模化和集约化仍受制约。法国CNC产业自主性和选择性资助模式的实践经验启示,资助投入的方式、规模和时机对于资助的效果具有重要作用。建立以市场为导向的多层次资助模式,充分发挥产业资助的杠杆作用,实现文化产业价值链、企业链、供需链和空间链的全方位提升,提高文化产品和服务的附加值,增加文化企业的竞争力,满足国内文化产业可持续发展的需要。%Under the dual role of policy and market support,cultural industry has become an important part of the China’s emerging industry. However,the current China’s cultural industry is still restricted by scale and inten-sive development. According to the practical experience of automatic and selective financial aid mode of French CNC industry,the investment approach,size and opportunity play important roles to the effect of the funding. Thus, a multiple-layer financial aid model of market-oriented should be established in order to give full play to the le-ver function of financial aid;realize the full range of promotion of the value chain,business chain,supply chain and space chain;increase the added value of cultural goods and services,and meet the needs of sustainable development of domestic cultural industry.

  13. The Impact of Financial Aid on the Enrollment and Retention of Student Athletes at National Collegiate Athletic Association (NCAA) Division III Colleges and Universities: A Review of the Literature

    Science.gov (United States)

    Bandre, Mark A.

    2011-01-01

    This article aims to review current literature on the enrollment and retention of student athletes at NCAA Division III institutions. However, the review identifies very few studies that specifically focused on Division III programs and none that looks at the influence of financial aid on the enrollment and retention of student athletes at…

  14. 我国高等医学教育中学生资助需求与效果探析%Study on the demand and effectiveness of financial aid to health professional students in China

    Institute of Scientific and Technical Information of China (English)

    罗友晖; 侯建林; 孟庆跃; 王维民; 陈磊; 柯杨

    2014-01-01

    The article studied the demand and effectiveness of financial aid to health professional students in China by relying on descriptive analysis of data from a questionnaire survey in 29 higher medical education institutions.It was found that health professional students faced greater economic pressure than average and had high demand for financial aid.Furthermore,financial aid had positive effects in motivating health professional students to focus on study and participate in extracurricular activities.Nevertheless,only a minority of them were satisfied with the effectiveness of the existing financial aid system.The authors suggested that a financial aid system that addressed health professional students' demand should be improved and strengthened,more attention should be paid to students in common universities in order to promote the equity of financial aid,and the leverage role of financial aid should be better utilized in influencing health professional students' career preference for working in rural areas and primary care providers.%本文采用29所高等院校医学生问卷调查数据,通过描述性分析方法研究了我国医学生资助制度的需求与效果现状.研究结果发现,医学生经济压力大于大学生平均水平,对资助需求大;资助制度对于医学生学习和参加课外实践活动具有激励作用;医学生对目前资助制度的满意度较低.为此建议,我国需要建立适合医学生特点的经济资助制度,并加大实施力度;调整资助方向,关注普通院校困难学生,促进资助制度公平性;更好地发挥经济资助制度在引导医学生择业中的杠杆作用,促进农村和基层医疗卫生人才严重缺乏难题的解决.

  15. On the Construction of Second-level Management System for Students’ Financial Aid in Universities%高校学生资助工作二级管理体系的构建研究

    Institute of Scientific and Technical Information of China (English)

    叶玉霞

    2015-01-01

    随着国家和社会的高度重视,高校家庭经济困难学生的资助与教育培养已成为高校关注的重要课题。但目前众多高校尚未健全学校、院系两级学生资助管理体系,影响了资助工作开展的实效性。本文从高校院系基层单位资助工作实践的视角出发,探索构建适应院系基层单位的资助工作二级管理体系,以促进高校资助工作的科学化和整体化水平。%With the high emphasis from both the country and the society ,the financial aid and ed‐ucational cultivation to the underprivileged university students have become important projects con‐cerned by universities .However ,recently many universities have not yet improved the second‐level management systems (i e. .university and college) for students’ financial aid ,so that the efficiency of financial aid is affected .T his paper ,based on the perspective of financial aid practice by the basic u‐nits ,explores the construction of second‐level management system for financial aid so as to promote the scientific and integrated management level .

  16. Analysis on the Feasibility and Implementation Methods of Financial Aid for Higher Vocational Students%高职学生资助的可行性和执行方法分析

    Institute of Scientific and Technical Information of China (English)

    虞莉

    2014-01-01

    高职院校作为我国人才培养的重要阵地,对学生的管理应当秉持科学严谨的工作态度。因此,高职学生资助问题成为学生管理领域中非常重要的环节,需要引起高职院校的高度重视。本文首先阐述了高职学生资助的可行性,然后分析了高职学生资助现存的问题及工作建议,最后提出了高职学生资助人性化管理的具体策略,希望对提升学生资助能力起到积极的推动作用。%As an important position for China's talent cultivation, higher vocational colleges should adhere to a scientific and rigor-ous working attitude in student management. Therefore, the fi-nancial aid for higher vocational students has become an impor-tant link in student management, and it should be given much at-tention. This paper first elaborated the feasibility of financial aid for higher vocational students, and then analyzed its current problems and finally proposed specific strategies for the human-istic management of financial aid for higher vocational students, hoping to be an active impetus to the improvement of financial aid for students.

  17. Methods of Infiltrating Gratitude Education into Student Financial Aid in Higher Vocational Colleges%高职院校学生资助工作渗透感恩教育的途径

    Institute of Scientific and Technical Information of China (English)

    魏俊桃

    2015-01-01

    学生资助工作中渗透感恩教育是资助育人的内在要求,有利于学生成长成才,有利于和谐社会的构建。但目前高职院校多重视贫困生的经济资助,在对他们进行感恩教育方面还存在诸多问题。为此,必须将感恩教育纳入课程体系,在课堂教学中渗透感恩教育;以资助项目为媒介,将感恩教育贯穿于资助管理的全过程;拓宽感恩教育途径,搭建感恩实践平台;建立资助工作渗透感恩教育的长效机制。%Infiltrating the gratitude education into the student financial aid is the basic requirement of financial assistance and education, which is beneficial to students' growth and success and the construction of harmonious so-ciety as well. However, there is a great deal of problems existing in gratitude education for higher vocational colle-ges when they emphasize more on financial aid to the poor students. Therefore, it is crucial to infiltrate gratitude education into curriculum system in the classroom teaching, rely on funding project to develop gratitude education throughout the whole process of funding management, broaden methods and establish the platform of gratitude edu-cation, and build the long-term mechanism of infiltrating gratitude education into the student financial aid.

  18. Does Merit-Based Aid "Crowd Out" Need-Based Aid?

    Science.gov (United States)

    Doyle, William R.

    2010-01-01

    The advent of merit-based state financial aid programs has had several first order effects, such as changes in enrollment. However, these programs may also have second order effects, such as declining state support for need-based state financial aid programs. I hypothesize that the advent of merit-based state financial aid may be an example of…

  19. Moral Character and Student Aid

    Science.gov (United States)

    Flint, Thomas A.

    2012-01-01

    Thirty years after the creation of federal student financial aid programs through the Higher Education Act of 1965, the link between moral character and student financial aid programs is once again influencing the public policy debate. A careful look at the debate, though, shows that the nature of concerns has shifted. In the past, the question…

  20. Financialization and financial profit

    Directory of Open Access Journals (Sweden)

    Arturo Guillén

    2014-09-01

    Full Text Available This article starts from the critical review of the concept of financial capital. I consider it is necessary not to confuse this category with of financialization, which has acquired a certificate of naturalization from the rise of neoliberalism. Although financial monopoly-financial capital is the hegemonic segment of the bourgeoisie in the major capitalist countries, their dominance does not imply, a fortiori, financialization of economic activity, since it depends of the conditions of the process reproduction of capital. The emergence of joint stock companies modified the formation of the average rate of profit. The "promoter profit" becomes one of the main forms of income of monopoly-financial capital. It is postulated that financial profit is a kind of "extraordinary surplus-value" which is appropriated by monopoly-financial capital by means of the monopolistic control it exerts on the issue and circulation of fictitious capital.

  1. International Aid to Education

    Science.gov (United States)

    Benavot, Aaron

    2010-01-01

    Recent evidence highlights several worrisome trends regarding aid pledges and disbursements, which have been exacerbated by the global financial crisis. First, while overall development assistance rose in 2008, after 2 years of decline, the share of all sector aid going to the education sector has remained virtually unchanged at about 12 percent…

  2. Financial Structures and Economic Development Financial Structures and Economic Development

    Directory of Open Access Journals (Sweden)

    Ross Levine

    1993-03-01

    Full Text Available Financial Structures and Economic Development This paper examines the relationship between the evolution of financial services and long-run economic growth. Liquidity risk, productivity risk, transactions costs. and information gathering and resource coordination costs create incentives for the emergence of financial contracts and institutions. The level of income per capital public policies, and legal codes determine the provision of financial services aid the types of financial structures that provide these services. The resultant financial structures can alter investment incentives, such that the steady state growth rate of per capita output increases.

  3. Financial history and financial economics

    OpenAIRE

    Turner, John D.

    2014-01-01

    This essay looks at the bidirectional relationship between financial history and financial economics. It begins by giving a brief history of financial economics by outlining the main topics of interest to financial economists. It then documents and explains the increasing influence of financial economics upon financial history, and warns of the dangers of applying financial economics unthinkingly to the study of financial history. The essay proceeds to highlight the many insights that financi...

  4. CAME-Toolsuite meet2trade - auf dem Weg zum Computer Aided Market Engineering. Abschlussbericht des Projekts Electronic Financial Brokerage als wissensintensive Dienstleistung - ein generischer Ansatz (EFB)

    OpenAIRE

    Weinhardt, Christof; Dinther, Clemens van; Grunenberg, Michael; Kolitz, Klaus; Kunzelmann, Matthias; Mäkiö, Juho; Weber, Ilka; Weltzien, Henning

    2006-01-01

    Die zunehmende Verbreitung von elektronischen Märkten aber auch die Fehlentwicklungen der letzten Jahre zeigen, dass eine strukturierte Vorgehensweise bei der Gestaltung und Implementierung elektronischer Märkte nicht nur sinnvoll, sondern auch notwendig ist. Ein wichtiger Schritt in diese Richtung wurde mit der im Rahmen des Projekts Electronic Financial Brokerage (EFB) entwickelten CAME-Toolsuite meet2trade gegangen.meet2trade unterstützt den gesamten Prozess des Market Engineering von der ...

  5. 7 CFR 15b.37 - Auxiliary aids.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Auxiliary aids. 15b.37 Section 15b.37 Agriculture... ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Other Aid, Benefits, or Services § 15b.37 Auxiliary aids... appropriate auxiliary aids to persons with impaired sensory, manual, or speaking skills, where necessary...

  6. 高等院校国家新资助制度对贫困大学生的影响%On the Influence of China's New Financial Aid Policy on Poverty-Stricken College Students

    Institute of Scientific and Technical Information of China (English)

    赵慧敏

    2011-01-01

    本文指出在国家新的资助体系下大学生思想政治教育出现的三大困境,并探讨了相应的解决途径。思想政治教育在贫困生的教育中起了很重要的作用,对大学生的"三观"起了重要影响作用。%This paper point out the three main dilemmas of China's new financial aid policy for poverty-stricken college students and discusses the corresponding solutions.Ideological and political education plays an important role in the education of poverty-stricken students, and is important to help build their "three outlooks".

  7. Financial Scandals and Student Loans

    Science.gov (United States)

    Eisenberg, Meyer; Franke, Ann H.

    2007-01-01

    The investigations of student-loan programs around the country echo previous scandals in the financial world involving stock offerings and mutual funds. The relationships between lenders and financial-aid officers seem to raise the same questions about impropriety, conflict of interest, and possible fraud. Indeed, lessons from Wall Street can…

  8. Social Credibility:the Foundation Stone of Risk Prevention of Financial Aid Work on College Students --On Risk Prevention of Financial Aid Work on College Students in View of Sociology%社会诚信:高校学生资助工作风险防范的基石——从社会学视角谈高校资助工作的风险防范

    Institute of Scientific and Technical Information of China (English)

    马爱林; 孟令臣; 郭立新; 李建红

    2011-01-01

    高校家庭经济困难学生资助工作中,存在着一些反映社会信用缺失的现象。从社会学的视角,对高校资助工作中社会信用缺失风险的表现、影响因素做了系统分析,并立足高校资助工作的实际,针对性地提出了建构诚信文化机制、严格工作规范机制、建立系统评价机制、强化社会监督机制等防范对策。%In the aid work on callege students with f'mancial difficulties,there exist some phenomena that lack of social credibility. From a sociological point of view,the manifestation and influencing factors of the risks of social credi- bility are systematically analyzed,meanwhile,basic on the practical condition of financial aid work in colleges,the countermeasures to prevent the risks are put forward, such as establishing a credit cultural mechanism, making working regulation mechanism stricter, setting up a systematic evaluating mechanism, and strengthening social supervision mechanism.

  9. Legal aid for victims in criminal proceedings in Portugal

    OpenAIRE

    Costa Ramos, Vânia

    2014-01-01

    The following article gives an overview of legal aid for victims in criminal cases in Portugal. It addresses the issues of a victim’s access to a lawyer, when and how the right is granted (right to legal assistance), and under what circumstances the victim has a right to financial legal aid (right to financial legal aid).

  10. Using a Latino Lens to Reimagine Aid Design and Delivery

    Science.gov (United States)

    Santiago, Deborah A.

    2013-01-01

    Federal financial aid is critical to student access and success in postsecondary education for many students, including most Latinos. However, three current realities are challenging the effectiveness of federal financial aid policy today: (1) the inability of federal aid to keep pace with the increase in college costs for students; (2) the…

  11. State Aid for Undergraduates in Postsecondary Education.

    Science.gov (United States)

    Lee, John B.; Clery, Suzanne B.

    1999-01-01

    Examines differences among undergraduates who attended postsecondary education in states that provide different levels of state student financial aid. Describes aid types and sources, the price of college attendance, and personal characteristics of students. Also considers undergraduates' probability of attending institutions in high-aid or…

  12. Making the UK's aid budget work better

    OpenAIRE

    Peter Boone

    2010-01-01

    All the UK's major parties agree on ring-fencing foreign aid spending at current levels, even while the country's dire financial situation requires sharp cuts to other budgets. Peter Boone draws on the evidence on aid effectiveness to argue that our focus should not be on the amount we spend but rather on making aid work better.

  13. Financial Education

    Directory of Open Access Journals (Sweden)

    Udo Reifner

    2010-08-01

    Full Text Available New, more or better financial education and financial literacy programmes should lead to improved financial capability, knowledge and outcomes. Yet we do not even know which terminology is most suitable for those projects who all intend to give an answer to a question which is less than clear. What is meant by the term “financial education”? Why did the “demand” for financial education suddenly increase? Have the numerous tasks which consumers in a modern society have to fulfill created this new field for financial education? Are their specific needs of financial markets which need adapted consumers as competent players? Or has the general level of education fallen? Would more ignorance on financial products perhaps increase the likelihood of these markets to care more about consumers? Do we truly need financial education at all and if so, as this article argues, what kind of financial education would respond to it? Based on five years of empirical research, on existing papers and curriculars for financial education and another five years of our own experiences with practical financial education in schools and with clients of debt advice agencies we would like to promote financial education as a form of consumer protection where consumers are seen collectively as the true masters of the economy.

  14. Changes in Institutional Aid, 1992-2003: The Evolving Role of Merit Aid

    Science.gov (United States)

    Doyle, William R.

    2010-01-01

    Changes in the distribution of student financial aid have taken place at the state and federal level. In addition, several authors have reported on shifts in the awarding of financial aid to students at the institutional level. The analysis described in this study examines shifts in institutional responsiveness to both student need and student…

  15. Financial Sector Assessment : Moldova

    OpenAIRE

    World Bank

    2008-01-01

    The Financial Sector Assessment Program (FSAP) team produced an Aide Memoire and the following three detailed reports that were reviewed by and delivered to the authorities: 1) technical notes; 2) assessment of compliance with standards and codes; and 3) detailed bank-by-bank stress tests. The Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) section of the report was ...

  16. Financial Intermediation

    OpenAIRE

    Gary Gorton; Andrew Winton

    2002-01-01

    The savings/investment process in capitalist economies is organized around financial intermediation, making them a central institution of economic growth. Financial intermediaries are firms that borrow from consumer/savers and lend to companies that need resources for investment. In contrast, in capital markets investors contract directly with firms, creating marketable securities. The prices of these securities are observable, while financial intermediaries are opaque. Why do financial inter...

  17. Countermeasures of the Financial Aid to Impoverished College Students under the Circumstance of Antinomy---Taking the Poverty - stricken College Students in NUIST%“二律背反”情境中的贫困生资助对策--以南京信息工程大学特困生群体为例

    Institute of Scientific and Technical Information of China (English)

    窦道阳; 张京波

    2014-01-01

    在现行的特困生资助体系中,往往会出现康德所谓“二律背反”的两难情境,即关注群体“趋同性”和注重个体连续性是“二律背反”的客观表现。其重要启示在于不但要在经济上给予困难学生及时的资助,更应创新方式方法,在心理、情感、需求等方面给予全方位的关注。具体到应对举措和路径选择上,贫困生资助工作应重点做好“三个环节”的施行与衔接工作。前期认定环节完善机制构建:一是创新贫困生认定程序,着力改变传统班委参与讨论模式;二是提升参与评定者的道德认知;三是注重贫困生的诚信教育。中期资助环节转变资助方式:一是设立更多带有“荣誉感”的资助项目;二是多渠道开拓勤工助学岗位;三是争取社会力量助学;四是建立应急助困资金库。资助后续环节指导、监督与人文关怀并重:一是对学生获助资金的使用进行指导和监督;二是注重人文关怀和心理疏导。%The two dilemma,antinomy,proposed by philosopher Kant,appears often in the current financial aid system for the impoverished college students,that is,the objective performance on the convergence attentioned on the group and attention on the individual durative. The important enlightenment is that the immediate financial aid is necessary offered to the poverty - stricken college students,also the methods and ways should be innovated, whole concern to the students from the psychology,emotion and requirement. From the countermeasures and the se-lected way,the financial aid should pay attention to the performance and connect of the“ Three Links”. The first period is to determine the links and perfect mechanism construction. Firstly,the confirming procedure of impover-ished college students should be innovated,attempting to change the traditional class committee participating dis-cussion mode;sencondly,the moral cognition of the

  18. Aid Supplies Over Time

    DEFF Research Database (Denmark)

    Jones, Edward Samuel

    The recent financial crisis has rekindled interest in the foreign aid supply behaviour of bilateral donors. Using the latest data covering the period 1960-2009, this paper examines how such behaviour is related to domestic factors. Based on a simple empirical model, a distinction is made between ...... substantial heterogeneity between countries. There is also good evidence that donor behaviour continues to evolve over time. As such, past trends in aid supplies are unlikely to provide a good guide to those of the future....

  19. Financial Literacy and Financial Behaviour

    NARCIS (Netherlands)

    Sayinzoga, Aussi; Bulte, Erwin H.; Lensink, Robert

    2016-01-01

    We organise a field experiment with smallholder farmers in Rwanda to measure the impact of financial literacy training on financial knowledge and behaviour. The training increased financial literacy of participants, changed their savings and borrowing behaviour and had a positive effect on the ne

  20. Mutual aid fund commission

    CERN Multimedia

    Staff Association

    2011-01-01

    The composition of the Board of the Mutual Aid Fund for 2011 is as follows: President: Pascal Droux Vice-president: Connie Potter Treasurer: Louis Pereira Deputy treasurer: Barbara Brugger Secretary: Sonia Casenove Deputy secretary: Isabelle Mardirossian Members: Christopher David Thomas   Jean-Claude Vialis (GAC member)   Marie-Luce Falipou   Gunilla Santiard (Jean-Claude Vialis’s alternate) The role of the Fund is to provide financial help to members of personnel and beneficiaries of the Pension Fund who are in need of exceptional financial assistance. All requests are treated in the strictest confidence. Should you wish to apply for aid from the Fund, kindly contact any member of the Board as given above or Social Services, tel.74479 – 73867.

  1. 34 CFR 106.37 - Financial assistance.

    Science.gov (United States)

    2010-07-01

    ... or parental status. (b) Financial aid established by certain legal instruments. (1) A recipient may... consistent with this paragraph and § 106.41. (Authority: Secs. 901, 902, Education Amendments of 1972,...

  2. 江西省世行贷款项目林收获量预测%The Volume Yield Forecast for the Forests Planted with the Financial Aid from the World Bank's Loan in Jiangxi Province

    Institute of Scientific and Technical Information of China (English)

    钟全林; 曹建华; 谢利玉; 方新辉

    2001-01-01

    根据世行贷款项目林中1~7年的平均高及优势木平均高等有关资料,结合利用江西编制的有关地位指数表、蓄积量生长过程表及江西省贫困地区林业发展项目可行性报告等材料,对江西省世行贷款项目林的蓄积收获量进行预测。预测结果显示,项目林可获取的商品材材积为22 743 736 m3。其中间伐商品材材积为760 199 m3,主伐商品材材积为21 983 537 m3。%Based on the height data both mean trees and dominate trees from first year to seventh year, the volume yield for the forests planted with the financial aid from the world Bank's loan in Jiangxi province is forecasted by using some relative tables such as site index table, normal stand volume yield table, and the feasible report on the forestry developmental projects in the poor areas in Jiangxi province. The result shows that 22,743,736 m3 commercial timber volume, including 760,199 m3 intermediate cutting volume and 21,983,537 m3 final felling volume will be gained in those forests.

  3. Financial mathematics

    CERN Document Server

    Jothi, A Lenin

    2009-01-01

    Financial services, particularly banking and insurance services is the prominent sector for the development of a nation. After the liberalisation of financial sector in India, the scope of getting career opportunities has been widened. It is heartening to note that various universities in India have introduced professional courses on banking and insurance. A new field of applied mathematics has come into prominence under the name of Financial Mathematics. Financial mathematics has attained much importance in the recent years because of the role played by mathematical concepts in decision - m

  4. Foreign aid

    DEFF Research Database (Denmark)

    Tarp, Finn

    2008-01-01

    Foreign aid has evolved significantly since the Second World War in response to a dramatically changing global political and economic context. This article (a) reviews this process and associated trends in the volume and distribution of foreign aid; (b) reviews the goals, principles...... and institutions of the aid system; and (c) discusses whether aid has been effective. While much of the original optimism about the impact of foreign aid needed modification, there is solid evidence that aid has indeed helped further growth and poverty reduction...

  5. Aid Effectiveness

    DEFF Research Database (Denmark)

    Arndt, Channing; Jones, Edward Samuel; Tarp, Finn

    Controversy over the aggregate impact of foreign aid has focused on reduced form estimates of the aid-growth link. The causal chain, through which aid affects developmental outcomes including growth, has received much less attention. We address this gap by: (i) specifying a structural model...... of the main relationships; (ii) estimating the impact of aid on a range of final and intermediate outcomes; and (iii) quantifying a simplied representation of the full structural form, where aid impacts on growth through key intermediate outcomes. A coherent picture emerges: aid stimulates growth and reduces...

  6. 18 CFR 1317.430 - Financial assistance.

    Science.gov (United States)

    2010-04-01

    ... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Financial assistance. 1317.430 Section 1317.430 Conservation of Power and Water Resources TENNESSEE VALLEY AUTHORITY... parental status. (b) Financial aid established by certain legal instruments. (1) A recipient may...

  7. New Economic and Financial Indicators of Sustainability

    Science.gov (United States)

    Pittman, James; Wilhelm, Kevin

    2007-01-01

    Financial accounting methods fall short of fully accounting for the relative sustainability of college and university operations. Management of social, environmental, and economic performance will be aided by changes to and new developments in financial accounting practices to complement other indicators of sustainability.

  8. Financial Liberalization and Financial Fragility

    OpenAIRE

    Demirguc-Kent, Asli; Detragiache, Enrica

    1998-01-01

    The authors study the empirical relationship between banking crises and financial liberalization using a panel of data for 53 countries for 1980-95. They find that banking crises are more likely to occur in liberalized financial systems. But financial liberalization's impact on a fragile banking sector is weaker where the institutional environment is strong--especially where there is respect for the rule of law, a low level of corruption, and good contract enforcement. They examine evidence o...

  9. Financial Literacy, Financial Education, and Economic Outcomes

    Science.gov (United States)

    Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.

    2013-01-01

    In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

  10. Efficiency Analysis of Financial Aid Policy System for Poor Students in Regular High Schools——based on the investigation of X county%普通高中贫困生资助政策体系效率分析——基于X县的调查

    Institute of Scientific and Technical Information of China (English)

    甘宇

    2012-01-01

    2010年9月,《关于建立普通高中家庭经济困难学生国家资助制度的意见》的下发,标志着普通高中贫困生的资助政策体系日臻完善。本研究引入了总生产函数的传统分析框架,对资助政策体系进行效率分析。通过分析,得出如下结论:从长期来看,总资助金额的增加对本科上线率具有正向的促进作用,但是效果不是很明显,从短期来看,本科上线率与总资助金额之间的关系不显著。%The opinions of establishing national aid system for students with economic difficulties in regular high school is issued in September 2010,which marks the financial aid system for poor students in regular high schools become better and better.By using the traditional analysis framework of total production function,the article analyzes the efficiency of the financial aid system.The result shows that the increasing amount of financial aid has positive effect on the rate of reaching undergraduate admission test scores in the long term while the effect is not obvious.In the short term,the relationship between the rate and the total amount is not significant.

  11. AIDS (image)

    Science.gov (United States)

    AIDS (acquired immune deficiency syndrome) is caused by HIV (human immunodeficiency virus), and is a syndrome that ... life-threatening illnesses. There is no cure for AIDS, but treatment with antiviral medication can suppress symptoms. ...

  12. Hearing Aids

    Science.gov (United States)

    ... more in both quiet and noisy situations. Hearing aids help people who have hearing loss from damage ... your doctor. There are different kinds of hearing aids. They differ by size, their placement on or ...

  13. 对高职院校贫困生资助工作中存在的若干问题的思考%Reflections on the Issues in the Financial Aid of Poverty-Stricken Students in Higher Vocational Schools

    Institute of Scientific and Technical Information of China (English)

    华娟

    2011-01-01

    贫困生资助工作是高职院校学生管理工作中的一个重要部分。笔者认为,目前在我国高职院校的贫困生资助工作中主要存在着贫困证明可信度不高,助学金评定存在成绩方面的附加条件,贫困生存在"等"、"靠"、"要"的思想,社会资源尚未充分挖掘等问题,并对这些问题提出了若干对策。%The financial aid of poverty-stricken students is a very important part of students management in higher vocational colleges.The author considers that there are some major problems in the current financial aid work,such as the low reliability of poverty certification,the assessment of study aid having an additional requirement for scores,some poverty-stricken students being lazy-minded,the social resources not being fully excavated, and then puts forward several countermeasures.

  14. 14 CFR 152.303 - Financial management system.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Financial management system. 152.303... (CONTINUED) AIRPORTS AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.303 Financial management system. Each sponsor or planning agency shall establish and maintain a financial management system...

  15. Reforming Student Aid: How to Simplify Tax Aid and Use Performance Metrics to Improve College Choices and Completion

    Science.gov (United States)

    Reimherr, Patrick; Harmon, Tim; Strawn, Julie; Choitz, Vickie

    2013-01-01

    Over the last three decades, college costs have increased nearly four times faster than median family income. Financial aid has not filled the growing gap, and the share of college costs not covered by financial aid or what the family is expected to contribute has risen sharply. Rising costs and rising debt make college a riskier investment for…

  16. Financial Crisis

    Institute of Scientific and Technical Information of China (English)

    黄骅

    2012-01-01

      Financial crisis started from America and soon spread all over the world. How did this happen? What government has done to rescue the economy and what should we do to help? Is financial crisis inevitable? These questions have bothered me for a long time. However, if we use a macroeconomist eye to view the world, all the questions seemed clear and crystal.

  17. Financial derivatives

    OpenAIRE

    Simon Gray and Joanna Place

    2006-01-01

    Derivatives, ranging from relatively simple forward contracts to complicated options products, are an increasingly important feature of financial markets worldwide. They are already being used in many emerging markets, and as the financial sector becomes deeper and more stable, their use is certain to grow. This Handbook provides a basic guide to the different types of derivatives traded, including the pricing and valuation of the products, and accounting and statistical treatment. Also, it a...

  18. Financial Sleuthing

    OpenAIRE

    Brennan, Niamh

    2016-01-01

    Forensic accounting is the use of accounting expertise to assist a court. "Forensic" denotes anything to do with a court of law and forensic accounting is increasingly recognised as a separate and important discipline at the intersection of law and accountancy. A relatively new role within accounting, forensic accountants build on a unique blend of accounting and investigative skills.They are,infact, financial detectives, dissecting financial statements, looking behind rather than merely at t...

  19. Financial assurances

    International Nuclear Information System (INIS)

    US Ecology is a full service waste management company. The company operates two of the nation's three existing low-level radioactive waste (LLRW) disposal facilities and has prepared and submitted license applications for two new LLRW disposal facilities in California and Nebraska. The issue of financial assurances is an important aspect of site development and operation. Proper financial assurances help to insure that uninterrupted operation, closure and monitoring of a facility will be maintained throughout the project's life. Unfortunately, this aspect of licensing is not like others where you can gauge acceptance by examining approved computer codes, site performance standards or applying specific technical formulas. There is not a standard financial assurance plan. Each site should develop its requirements based upon the conditions of the site, type of design, existing state or federal controls, and realistic assessments of future financial needs. Financial assurances at U.S. Ecology's existing sites in Richland, Washington, and Beatty, Nevada, have been in place for several years and are accomplished in a variety of ways by the use of corporate guarantees, corporate capital funds, third party liability insurance, and post closure/long-term care funds. In addressing financial assurances, one can divide the issue into three areas: Site development/operations, third party damages, and long-term care/cleanup

  20. An Optimization Model for the Allocation of University Based Merit Aid

    Science.gov (United States)

    Sugrue, Paul K.

    2010-01-01

    The allocation of merit-based financial aid during the college admissions process presents postsecondary institutions with complex and financially expensive decisions. This article describes the application of linear programming as a decision tool in merit based financial aid decisions at a medium size private university. The objective defined for…

  1. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES

    OpenAIRE

    Justine S. Hastings; Madrian, Brigitte C.; William L. Skimmyhorn

    2013-01-01

    In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We revie...

  2. Funding Your Education: The Guide to Federal Student Aid, 2012-13

    Science.gov (United States)

    US Department of Education, 2011

    2011-01-01

    Every student, who meets some basic eligibility requirements, can get some type of financial aid regardless of age or family income. Federal student aid is a financial aid from the federal government to help a student pay for education expenses at an eligible college, technical school, vocational school, or graduate school. There are three…

  3. Refocusing disaster aid.

    Science.gov (United States)

    Linnerooth-Bayer, Joanne; Mechler, Reinhard; Pflug, Georg

    2005-08-12

    With new modeling techniques for estimating and pricing the risks of natural disasters, the donor community is now in a position to help the poor cope with the economic repercussions of disasters by assisting before they happen. Such assistance is possible with the advent of novel insurance instruments for transferring catastrophe risks to the global financial markets. Donor-supported risk-transfer programs not only would leverage limited disaster-aid budgets but also would free recipient countries from depending on the vagaries of postdisaster assistance. Both donors and recipients stand to gain, especially because the instruments can be closely coupled with preventive measures. PMID:16099976

  4. An analytical review of hospital financial performance measures.

    Science.gov (United States)

    Glandon, G L; Counte, M; Holloman, K; Kowalczyk, J

    1987-11-01

    Hospital administrators must have timely, valid, and interpretable financial information that allows them to make operational decisions in response to the threats of the changing health care environment. Aggregate indexes that reflect dimensions of hospital financial performance and simplify the information in financial ratios are needed to aid in decision making. This article reviews the development and use of hospital financial performance measures and lays the groundwork for research into deriving a multidimensional measure.

  5. Hearing Aids

    Science.gov (United States)

    ... prefer the open-fit hearing aid because their perception of their voice does not sound “plugged up.” ... My voice sounds too loud. The “plugged-up” sensation that causes a hearing aid user’s voice to ...

  6. Brand Aid

    DEFF Research Database (Denmark)

    Richey, Lisa Ann; Ponte, Stefano

    A critical account of the rise of celebrity-driven “compassionate consumption” Cofounded by the rock star Bono in 2006, Product RED exemplifies a new trend in celebrity-driven international aid and development, one explicitly linked to commerce, not philanthropy. Brand Aid offers a deeply informed...

  7. Analysis on the Educational Role of College Financial Aid Work:A Case Study on Guangdong Polytechnic Institute%高校助学工作的育人功能探析--以广东理工职业学院为例

    Institute of Scientific and Technical Information of China (English)

    2013-01-01

      贫困生是高校学生中的一个特殊群体,贫困生助学对于促进和谐校园建设,提高教育公平程度都具有重要意义。目前我国虽已建立了多元化的贫困生助学体系,但同时还存在诸多问题。本文以广东理工职业学院为例,结合新形势背景,分析我国高校目前整个助学体系的现状、问题,并针对这些问题提出相应的对策与建议,与此同时设想构建一个助学工作的动态管理模型。%The poverty-stricken student is a special group among college students, so the financial aid for them is of important sig-nificance for the construction of a harmonious campus and edu-cation equality. Taking this college for an example, based on the background of the new situation, this paper analyzes the current situation and problems of the current college financial aid, and proposes relevant suggestions, and establishes a dynamic man-agement model.

  8. Hearing Aid

    Institute of Scientific and Technical Information of China (English)

    2003-01-01

    A man realized that he needed to purchase ahearing aid, but he was unwilling to spend muchmoney. "How much do they run?"he asked theclerk. "That depends," said. the salesman. "Theyrun from 2 to 2000."

  9. Hearing Aid

    Science.gov (United States)

    ... and Food and Drug Administration Staff FDA permits marketing of new laser-based hearing aid with potential ... feeds Follow FDA on Twitter Follow FDA on Facebook View FDA videos on YouTube View FDA photos ...

  10. Financial Statements Analysis

    Directory of Open Access Journals (Sweden)

    Tănase Alin-Eliodor

    2014-10-01

    Full Text Available This article focuses on analyzing of a consolidated financial statements of a hypothetically SME. The interpretation of the financial position and performances is based on the more than 40 financial key ratios computed by using financial data from consolidated income statement, consolidated financial position and cash flow. However additional data from notes to financial statements are provided.

  11. Financial Statements Analysis

    OpenAIRE

    Tănase Alin-Eliodor

    2014-01-01

    This article focuses on analyzing of a consolidated financial statements of a hypothetically SME. The interpretation of the financial position and performances is based on the more than 40 financial key ratios computed by using financial data from consolidated income statement, consolidated financial position and cash flow. However additional data from notes to financial statements are provided.

  12. FINANCIAL LITERACY AND RESULTANT STABILITY OF THE FINANCIAL SYSTEM

    Directory of Open Access Journals (Sweden)

    Novo Plakalović

    2012-01-01

    Full Text Available The aim of the author of this paper isto show the relationship between the level of financialresponsibility of individuals and of companymanagers and the stability of financial markets, assetmarkets and the stability of the financial system as awhole. In Bosnia and Herzegovina (B&H after the1992-1995 conflict, there was a large influx offunding into the local economy both from the fields ofFDI (Foreign Direct Investment and bilateral andunilateral aid. Many people in BH were keen toaccess loans in a seemingly cash-rich economy, butwere ill-prepared in the fields of financial borrowingand handling debt properly. Subsequently theyexperienced difficulties in servicing obligations andthe loan portfolio of banks has deteriorated. Thus theonset of the financial crisis has brought somethingpositive. Borrowing in B&H dropped, but problemsservicing existing loans rose. The situation has notyet become problematic but banking sector shortfallstend to manifest themselves between 12-18 monthsafter the event. The author believes that a moreserious approach to financial responsibility at microlevelsis necessary for the national economic good.

  13. Types of Hearing Aids

    Science.gov (United States)

    ... Devices Consumer Products Hearing Aids Types of Hearing Aids Share Tweet Linkedin Pin it More sharing options ... some features for hearing aids? What are hearing aids? Hearing aids are sound-amplifying devices designed to ...

  14. Negotiating Aid

    DEFF Research Database (Denmark)

    Whitfield, Lindsay; Fraser, Alastair

    2011-01-01

    This article presents a new analytical approach to the study of aid negotiations. Building on existing approaches but trying to overcome their limitations, it argues that factors outside of individual negotiations (or the `game' in game-theoretic approaches) significantly affect the preferences...... which investigated the strategies these states have adopted in talks with aid donors, the sources of leverage they have been able to bring to bear in negotiations, and the differing degrees of control that they have been able to exercise over the policies agreed in negotiations and those implemented...

  15. Emerging Markets, Financial Openness and Financial Development

    OpenAIRE

    Wei Huang

    2006-01-01

    We examine the effect of financial openness on the development of financial systems in a panel of 35 emerging markets during the period of 1976 to 2003. A group of indicators including variables from banking sector, stock market, and national capital accounts are used as measures of financial openness and financial development. In addition, aggregate index measures are developed to incorporate information from different areas of the financial system. Our empirical results generally suggest th...

  16. Brand Aid

    DEFF Research Database (Denmark)

    Richey, Lisa Ann; Ponte, Stefano

    2011-01-01

    activists, scholars and venture capitalists, discusses the pros and cons of changing the world by ‘voting with your dollars’. Lisa Ann Richey and Stefano Ponte (Professor at Roskilde University and Senior Researcher at DIIS respectively), authors of Brand Aid: Shopping Well to Save the World, highlight how...

  17. The Relation between Financial Literacy, Financial Wellbeing and Financial Concerns

    OpenAIRE

    Marzieh Kalantarie Taft; Zare Zardeini Hosein; Seyyed Mohammad Tabatabaei Mehrizi

    2013-01-01

    Increased variety of products and the instability of the global economy in twenty first century caused increasingcomplexity of financial decisions and also caused consumers faced with the challenge in economic and financialactivities. For this reason, in the last decade, the importance of financial management skills in personal and worklife has increased and researches in this area has been done. In this regard, this study tries to evaluate the relationbetween financial literacy, financial we...

  18. 14 CFR 152.325 - Financial status report: Airport planning.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Financial status report: Airport planning... agency conducting a project for airport system planning shall submit a financial status report on a form... TRANSPORTATION (CONTINUED) AIRPORTS AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.325...

  19. Is the Ownership Structure Model a Decisive Determinant of Co-Operatives' Financial Success? A Financial Assessment

    NARCIS (Netherlands)

    Kalogeras, N.; Pennings, J.M.E.; Kuikman, J.; Doumpos, M.

    2011-01-01

    Abstract. In this paper, the financial/ownership structures of agribusiness co-operatives (co-ops) are analyzed in order to examine whether new co-op models perform better than the more traditional ones. The assessment procedure introduces a new financial decision-aid approach, which is based on dat

  20. Tactile Aids

    Directory of Open Access Journals (Sweden)

    Mohtaramossadat Homayuni

    1996-04-01

    Full Text Available Tactile aids, which translate sound waves into vibrations that can be felt by the skin, have been used for decades by people with severe/profound hearing loss to enhance speech/language development and improve speechreading.The development of tactile aids dates from the efforts of Goults and his co-workers in the 1920s; Although The power supply was too voluminous and it was difficult to carry specially by children, it was too huge and heavy to be carried outside the laboratories and its application was restricted to the experimental usage. Nowadays great advances have been performed in producing this instrument and its numerous models is available in markets around the world.

  1. Organization of Financial Accounting

    OpenAIRE

    Шпак, Валентин Аркадійович

    2016-01-01

    Organization of financial accounting that is grounded on principles of financial reporting has been considered. The relation between accounting objects and accounts has been researched. Approaches towards solving problems of organization of financial accounting have been described.

  2. FINANCIAL LITERACY IN INDIA

    OpenAIRE

    Ravikumar, R.; S.D. SIVAKUMAR; M. JAWAHARLAL; N. Venkatesa Palanichamy; D. Sureshkumar

    2013-01-01

    Financial literacy is gaining importance in recent years as number new products have been continuously offered in the financial markets. Whatever the type of business such as corporates, small business and family run business the financial management is vital important. Financial literacy enables the efficient financial management ultimately results in increased profitability and reduces cost. The global researchers indicated that, India is least financially literate country. Keeping these th...

  3. Financial Village Standing in Indonesian Financial System

    Directory of Open Access Journals (Sweden)

    Herry Purnomo

    2015-12-01

    Full Text Available Financial resources of the village that are sourced from a country or a Regional Finance Financial based Law Number 6 Year 2014 of The Village is the mandate of the law that must be allocated to the village. The interconnectedness of the financial position of the village in the financial system of the country or Region concerned the Financial administrative and territorial relations, and there is no setting directly regarding the finances of the village as part of the financial system of the country or the financial area. In respect of the elements of the crime of corruption deeds against financial irregularities of the village there are still disagreements on the interpretation of the law in trapping the perpetrators of corruption on the village chief that implies not satisfy the principle of legality and legal certainty in the ruling of the matter of financial irregularities. In fact, many of the village chief or Councilor caught the criminal offence of corruption over the use of financial irregularities. This research analyzes How the financial position of the village in the financial system of the country or region, as well as whether the financial resources of the village is derived from the state budget or region budget managed in village budget belongs to the category of village finances and whether tort against the financial management of the village can be categorized as a criminal act corruption. How To Cite: Purnomo, H. (2015. Financial Village Standing in Indonesian Financial System. Rechtsidee, 2(2, 121-140. doi:http://dx.doi.org/10.21070/jihr.v2i2.81

  4. Financial Stress Indices and Financial Crises

    NARCIS (Netherlands)

    Vermeulen, Robert; Hoeberichts, Marco; Vasicek, Borek; Zigraiova, Diana; Smidkova, Katerina; de Haan, Jakob

    2015-01-01

    This paper develops a Financial Stress Index (FSI) for 28 OECD countries and examines its relationship to crises using a novel database for financial crises. A stress index measures the current state of stress in the financial system and summarizes it in a single statistic. Our results suggest that

  5. PBGC Financial Summary Data

    Data.gov (United States)

    Pension Benefit Guaranty Corporation — This table contains key Financial data highlighted from PBGC's financial statements for the periods ending September 30, 1992 through September 30, 2009. PBGC's...

  6. Neurological Complications of AIDS

    Science.gov (United States)

    ... Diversity Find People About NINDS Neurological Complications of AIDS Fact Sheet Feature Federal domestic HIV/AIDS information ... Where can I get more information? What is AIDS? AIDS (acquired immune deficiency syndrome) is a condition ...

  7. AIDS Epidemiyolojisi

    OpenAIRE

    SÜNTER, A.T.; PEKŞEN, Y.

    2010-01-01

    AIDS was first defined in the United States in 1981. It spreads to nearly all the countries of the world with a great speed and can infect everbody without any differantiation. The infection results in death and there is no cure or vaccine for it, yet. To data given to World Health Organization until July-1994, it is estimated that there are about 1 million patients and about 22 millions HIV positive persons In the world. Sixty percent of HIV positive persons are men and 40% are women. The di...

  8. The Effect of Student Aid on the Duration of Study

    Science.gov (United States)

    Glocker, Daniela

    2011-01-01

    In this paper I evaluate the effect of student aid on the success of academic studies. I focus on two dimensions, the duration of study and the probability of actually graduating with a degree. To determine the impact of financial student aid, I estimate a discrete-time duration model allowing for competing risks to account for different exit…

  9. Financial Literacy and Financial Planning in France

    Directory of Open Access Journals (Sweden)

    Luc Arrondel

    2013-07-01

    Full Text Available We study financial literacy in France using the PATER survey and following the Lusardi and Mitchell (2011c approach. We find that some subpopulations are less financially literate than others: women, young and old people as well as less-educated people are more likely to face difficulties when dealing with fundamental financial concepts such as risk diversification and inflation and interest compounding. We also find some differences in financial knowledge depending on the political opinion of the respondents. Finally we show that these differences in financial knowledge are correlated with differences in the propensity to plan: people who score higher on the financial literacy questions are more likely to be engaged in the preparation of a clearly defined financial plan.

  10. Does Merit-Based Aid Improve College Affordability? Testing the Bennett Hypothesis in the Era of Merit-Based Aid

    Science.gov (United States)

    Lee, Jungmin

    2016-01-01

    This study tested the Bennett hypothesis by examining whether four-year colleges changed listed tuition and fees, the amount of institutional grants per student, and room and board charges after their states implemented statewide merit-based aid programs. According to the Bennett hypothesis, increases in government financial aid make it easier for…

  11. Financial Sector Assessment : Poland

    OpenAIRE

    World Bank; International Monetary Fund

    2014-01-01

    Diversifying Poland's financial system to meet new demands while preserving its resilience and stability is the key task ahead for financial policymakers. Over the past decade, the financial system has grown rapidly and risks have been well managed along the way. To maintain this track record and supply the financial services needed to support the economy's growth, it will be important to ...

  12. Financial Risk Management

    OpenAIRE

    Catalin-Florinel Stanescu; Laurentiu Mircea Simion

    2011-01-01

    Concerns about the financial risk is increasing. In this climate, companies of all types and sizes want a robust framework for financial risk management to meet compliance requirements, contribute to better decision making and increase performance. Financial risk management professionals working with financial institutions and other corporate clients to achieve these objectives.

  13. FINANCIAL INNOVATION AND A GLOBALIZED FINANCIAL WORLD

    OpenAIRE

    George Horia Ionescu; Ruxandra Dana Vilag

    2015-01-01

    In the last 25 years, financial systems around the world have gone undergone unprecedented changes. Investors can borrow large amounts of money at cheaper rates than ever before, invest in a very large variety of sophisticated financial instruments, seeking the profits and sharing the risk with strangers from across the globe, at speed of light. Because of the globalization of financial markets throughout the world, entities in any country seeking to raise funds need not be limited to their d...

  14. Satisfaction of Poverty-Stricken College Students with the Implementation of Financial Aid Policies:A Survey among 14 Colleges and Universities in Zhejiang%高校贫困生资助政策执行满意度研究--基于浙江省14所高校的调查

    Institute of Scientific and Technical Information of China (English)

    莫世亮

    2014-01-01

    The present study , in the perspective of implementation of educational policies , is a survey ad-ministered among 1,384 students with financial difficulties from 14 colleges and universities in Zhejiang in an attempt to learn about the overall situation of the students ’ satisfaction with the implementation of financial-aid policies and its influencing factors .Findings show that:1) In general the students maintain a high degree of satisfaction with the policy implementation in Zhejiang;2 ) Female students show a higher degree of overall satisfaction than male students;3) Freshmen and senior students show the highest degree of satisfaction;4) Compared with ordinary impoverished students , those with serious financial problems show significantly higher degrees of satisfaction in overall evaluation , policy publicity , implementation efficiency and implementation process;5) Students from west China show the highest degrees of satisfaction , and 6) Students’ satisfaction is positively correlated to their academic performance .%基于教育政策执行的视角,运用调查问卷对浙江省14所高校1384名贫困生的资助政策执行满意度状况及影响因素进行调查。结果表明:贫困生对浙江省资助政策的执行状况总体满意度较高;女生对资助政策的总体满意度高于男生;大一和大四的学生对资助政策的执行最为满意;特困生在总体满意度、政策宣传、执行效率和执行过程四个维度上显著高于一般困难生;西部地区的贫困生对于资助政策执行最满意。

  15. Financial Ratios and Perceived Household Financial Satisfaction

    Directory of Open Access Journals (Sweden)

    Scott Garrett

    2013-08-01

    Full Text Available This paper tests the relative strength of three objective measures of financial health (using the solvency, liquidity, and investment asset ratio in predicting a household’s subjective feeling of current financial satisfaction. Using a sample of 6,923 respondents in the 2008 Health and Retirement Study this paper presents evidence of two main findings: 1 the solvency ratio is most strongly associated with financial satisfaction levels based on a cross-sectional design and 2 changes in the investment asset ratio are most strongly associated with changes in financial satisfaction over time.

  16. AIDS.gov

    Science.gov (United States)

    ... concerns. Search Services Share This Help National HIV/AIDS Strategy Check out NHAS's latest progress in the ... from AIDS.gov Read more AIDS.gov tweets AIDS.gov HIV/AIDS Basics • Federal Resources • Using New ...

  17. State Aid for Undergraduates in Postsecondary Education. Postsecondary Education Descriptive Analysis Reports. Statistical Analysis Report.

    Science.gov (United States)

    Lee, John B.; Clery, Suzanne B.

    This report examines differences between undergraduates who attended postsecondary institutions in states that provide different levels of student financial aid. The report uses data from the 1995-96 National Postsecondary Student Aid Study. The study evaluated how students combine aid types and sources, price of attendance, and personal…

  18. 76 FR 46774 - Privacy Act of 1974; System of Records-Federal Student Aid Application File

    Science.gov (United States)

    2011-08-03

    ... Privacy Act of 1974; System of Records--Federal Student Aid Application File AGENCY: Federal Student Aid... notice proposing to revise the system of records for the Federal Student Financial Aid Application File... 11, 2001), as altered by 74 FR 68802-68808 (December 29, 2009). This system of records...

  19. Funding Education beyond High School: The Guide to Federal Student Aid 2010-11

    Science.gov (United States)

    US Department of Education, 2010

    2010-01-01

    Federal student aid is a financial help for eligible students to pay for educational expenses at an eligible postsecondary school (e.g., college, vocational school, graduate school). There are three categories of federal student aid: grants, workstudy, and loans. Federal student aid covers expenses such as tuition and fees, room and board, books…

  20. Macroeconomic Issues in Foreign Aid

    DEFF Research Database (Denmark)

    Hjertholm, Peter; Laursen, Jytte; White, Howard

    foreign aid, macroeconomics of aid, gap models, aid fungibility, fiscal response models, foreign debt,......foreign aid, macroeconomics of aid, gap models, aid fungibility, fiscal response models, foreign debt,...

  1. Practical C++ financial programming

    CERN Document Server

    Oliveira, Carlos

    2015-01-01

    Practical C++ Financial Programming is a hands-on book for programmers wanting to apply C++ to programming problems in the financial industry. The book explains those aspects of the language that are more frequently used in writing financial software, including the STL, templates, and various numerical libraries. The book also describes many of the important problems in financial engineering that are part of the day-to-day work of financial programmers in large investment banks and hedge funds. The author has extensive experience in the New York City financial industry that is now distilled in

  2. On the Positive Influence of Developmental Financial Aid on the Career Planning of Poverty-stricken College Stu-dents%发展性资助对贫困大学生职业生涯规划的积极影响

    Institute of Scientific and Technical Information of China (English)

    郭祺佳

    2015-01-01

    大学生职业生涯规划包括大学生在校期间的学业规划以及对毕业后就业准备的职业规划。贫困大学生在其职业生涯规划中有其特有的特点和困境。发展性资助包括经济资助、精神资助和能力资助,为贫困大学生的职业生涯规划带来了积极影响。%The career planning of college students includes the a-cademic planning during their college life as well as the planning for their occupations after their graduation. Poverty-stricken col-lege students have their unique characteristics and predicaments in their career planning. Developmental financial aid includes e-conomic support, spiritual support and ability support, which can exert positive influence on the career planning of poverty-strick-en college students.

  3. HIV and AIDS

    Science.gov (United States)

    ... Got Homework? Here's Help White House Lunch Recipes HIV and AIDS KidsHealth > For Kids > HIV and AIDS ... actually the virus that causes the disease AIDS. HIV Hurts the Immune System People who are HIV ...

  4. Nosebleed, First Aid

    Science.gov (United States)

    ... and rashes clinical tools newsletter | contact Share | Nosebleed, First Aid A A A First Aid for Nosebleed: View ... of the nose, causing bleeding into the throat. First Aid Guide The following self-care measures are recommended: ...

  5. Splinter, First Aid

    Science.gov (United States)

    ... and rashes clinical tools newsletter | contact Share | Splinter, First Aid A A A First Aid for Splinter: View ... wet, it makes the area prone to infection. First Aid Guide Self-care measures to remove a splinter ...

  6. HIV-AIDS Connection

    Science.gov (United States)

    ... Content Marketing Share this: Main Content Area The HIV-AIDS Connection AIDS was first recognized in 1981 ... cancers. Why is there overwhelming scientific consensus that HIV causes AIDS? Before HIV infection became widespread in ...

  7. Heart attack first aid

    Science.gov (United States)

    First aid - heart attack; First aid - cardiopulmonary arrest; First aid - cardiac arrest ... A heart attack occurs when the blood flow that carries oxygen to the heart is blocked. The heart muscle ...

  8. Halter Financial Summit

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    <正>The prolonged financial crisis brought about profound changes in international political and economic patterns. With a focus on China’s place in the post-crisis world situation, the Halter Financial Summit,

  9. Financial Education Program Evaluation

    Directory of Open Access Journals (Sweden)

    Diana Burk

    2014-02-01

    Full Text Available This study illustrates the process of program evaluation using a logic model. Guided by the Transtheoretical Model of Change and a logic model, this study evaluated the effectiveness of a Retirement and Savings Seminar by measuring participant (n = 54 satisfaction, financial knowledge, financial confidence, and financial behavior change compared to a similar group of 134 non-participants. Participants were very satisfied with the seminar. Their financial knowledge and confidence scores significantly increased from pretest to posttest. Financial knowledge and confidence scores improved more than the comparison group while controlling for group differences in age, income, and pretest scores. Two months later, participants were more likely than the comparison group to have adopted positive financial behaviors as measured by the Financial Preparedness for Retirement Scale. Financial educators can use this study as a model for planning, conducting, and evaluating their programs.

  10. Firm Financial Policy

    Directory of Open Access Journals (Sweden)

    Alexandru NEGREA

    2014-11-01

    Full Text Available Financial policy outlines the main directions of action of the financial activity. In determining financial policy, managers must take into consideration interests of all stakeholders, given the political, social, financial and monetary context of the firm, but also the technical and technological one. In addition, the educational, environmental and scientific context must be considered when establishing the financial policy, as it also influences the latter. Therefore, within financial policy, managers must identify and adopt those financial decisions that can positively influence the future development of the firm. Present studies intended as a tool for those interested in the future of the firm, e.g. employers, employees, banks, insurance companies, service providers, etc. It details directions of actions used by managers within financial policy in order to increase firm profits.

  11. CMS Financial Reports

    Data.gov (United States)

    U.S. Department of Health & Human Services — This section contains the annual CMS financial statements as required under the Chief Financial Officers (CFO) Act of 1990 (P.L. 101-576). The CFO Act marked a...

  12. Fair Value Accounting and Financial Stability

    OpenAIRE

    Guillaume Plantin; Haresh Sapra; Hyun Song Shin

    2008-01-01

    Market prices give timely signals that can aid decision making. However, in the presence of distorted incentives and illiquid markets, there are other less benign effects that inject artificial volatility to prices that distorts real decisions. In a world of marking-to-market, asset price changes show up immediately on the balance sheets of financial intermediaries and elicit responses from them. Banks and other intermediaries have always responded to changes in economic environment, but mark...

  13. Fair Value Accounting and Financial Stability

    OpenAIRE

    Plantin, Guillaume; Sapra, Haresh; Shin, Hyun Song

    2008-01-01

    Market prices give timely signals that can aid decision making. However, in the presence of distorted incentives and illiquid markets, there are other less benign effects that inject artificial volatility to prices that distorts real decisions. In a world of marking-to-market, asset price changes show up immediately on the balance sheets of financial intermediaries and elicit responses from them. Banks and other intermediaries have always responded to changes in economic environment, but ma...

  14. Favorable Financial Turf

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Tianjin's Binhai New Area lures the financial industry with preferential treatment If you were thinking about doing financial business in Shanghai, Hong Kong or Beijing, think again. Early in June this year, the State Council approved the establishment of a financial experimental zone for Tianjin's Binhai New Area, which will get preferential treatment that other cities can hardly expect to attain. While for a time the area's administration had to actively court financial institu-

  15. FINANCIAL INSTABILITY IN ROMANIA

    OpenAIRE

    Cristian, IONESCU

    2014-01-01

    The aim of this paper is to empirically study the concept of financial stability in Romania, from both a monetary policy perspective and a financial perspective. In this paper, I also compute an aggregate index of financial stability, for the period 2008-2013, explaining the correlations between several extremely important macroeconomic and sectorial variables and financial stability. The article also debates the aspect of policy instruments that aim to promote, highlighting the undertaken me...

  16. Financial Advice: Who Pays

    Science.gov (United States)

    Finke, Michael S.; Huston, Sandra J.; Winchester, Danielle D.

    2011-01-01

    Using a cost-benefit framework for financial planning services and proprietary data collected in the summer of 2008, the client characteristics that are associated with the likelihood of paying for professional financial advice, as well as the type of financial services purchased, are identified. Results indicate that respondents who pay for…

  17. Lithuania : Financial Sector Assessment

    OpenAIRE

    World Bank

    2002-01-01

    A joint International Monetary Fund (IMF)-World Bank Financial Sector Assessment Program (FSAP) mission visited Lithuania during November 4-15, 2001 to undertake an assessment of the financial sector. The principal objective of the mission was to assist the authorities in identifying potential vulnerabilities in the Lithuanian financial system and obstacles to its future development. Finan...

  18. Essays on financial liberalization

    NARCIS (Netherlands)

    Bumann, Silke

    2015-01-01

    This thesis investigates the effect of financial liberalization on economic growth, income inequality and financial instability. Chapter 1 describes aim and scope of the thesis. Chapter 2 provides a meta-analysis of the literature on financial liberalization and economic growth. It is found that fin

  19. Conceptualising Financial Socialization

    OpenAIRE

    Harrison, Tina; Marchant, Caroline; Ho, Mary

    2014-01-01

    The purpose of the paper is 1) to develop a discussion regarding the processes via which children develop and become financially literate: the process of financial socialization; 2) to propose a conceptual framework for understanding financial socialization among children and young adults

  20. Introducing financial management

    OpenAIRE

    Mirela Popescu

    2001-01-01

    Financial management has developed as a separate area of study, being very important for both the small or large companies. Financial management has a role in investment decisions, financing decisions and controlling resources. The responsibility of the financial manager is to monitor actual performance of the company

  1. Invest in Financial Literacy

    Science.gov (United States)

    Bush, Sarah B.; McGatha, Maggie B.; Bay-Williams, Jennifer M.

    2012-01-01

    The current state of the economy elevates the need to build awareness of financial markets and personal finance among the nation's young people through implementing a financial literacy curriculum in schools. A limited amount of time spent on financial literacy can have a positive effect on students' budgeting skills. This knowledge will only add…

  2. Financial Lessons Learned

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    As the Wall Street chaos of 2008 swept the globe,China-with little exposure to subprime mortgages-was one of the only calm ports in the growing financial storm.If one lesson can be learned from the crisis,it is this: maintain a constant state of financial vigilance against risks even in boom times.China now faces the task of ensuring its financial health as it further opens to the world amid a global financial landscape reshaped by deep recessions.Economists and finance professors discussed these challenges at the Asia-Pacific Economic and Financial Forum recently held in Beijing.Edited excerpts follow

  3. Financial Lessons Learned

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    @@ As the Wall Street chaos of 2008 swept the globe,China-with little exposure to subprime mortgages-was one of the only calm ports in the growing financial storm.Ifone lesson can be learned from the crisis,it is this: maintain a constant state of financial vigilance against risks even in boom times.China now faces the task of ensuring its financial health as it further opens to the world amid a global financial landscape reshaped by deep recessions.Economists and finance professors discussed these challenges at the Asia-Pacific Economic and Financial Forum recently held in Beijing.Edited excerpts follow:

  4. Sources of Financial Sociability

    DEFF Research Database (Denmark)

    Thompson, Grahame

    2011-01-01

    This article investigates the sources of sociability in modern financial systems as a prelude to assessing the prospects for financial regulation. Three sources are identified: sociality dependent upon contract, upon relational interdependency, and upon the operation of will and passion. Each...... of the article which is to explore further the nature of ‘irrationality’ as manifest in financial crises. When the contours of both these aspects of financial calculation have been elaborated, the article moves on to consider how they might shape regulatory responses to the seeming inevitability of financial...

  5. Financial information processing

    Institute of Scientific and Technical Information of China (English)

    Shuo BAI; Shouyang WANG; Lean YU; Aoying ZHOU

    2009-01-01

    @@ The rapid growth in financial data volume has made financial information processing more and more difficult due to the increase in complexity, which has forced businesses and academics alike to turn to sophisticated information processing technologies for better solutions. A typical feature is that high-performance computers and advanced computational techniques play ever-increasingly important roles for business and industries to have competitive advantages. Accordingly, financial information processing has emerged as a new cross-disciplinary field integrating computer science, mathematics, financial economics, intelligent techniques, and computer simulations to make different decisions based on processed financial information.

  6. COMPANY ACTIVITY FINANCIAL RISK

    Directory of Open Access Journals (Sweden)

    Caruntu Genu Alexandru

    2012-12-01

    Full Text Available In economic and financial activity, risk is an inherent financial decisions, encountered in daily agenda of managers of companies. Unexpected changes in the price of a product development not only affect the financial results of a company, but can cause even bankruptcy. In fact, the nature of financial decisions involve uncertainty. Financial decisions are made based on cash flows under future contracts, which are par excellence incerte.Activitatea an enterprise that holds any weight in the industry is subject to risks, since it can not predict with certainty different components of its outcome (cost, quantity, price and operating cycle (purchase, processing, sales.

  7. EARLY WARNING INDICATORS OF ECONOMIC AND FINANCIAL INSTABILITY INDEXES

    OpenAIRE

    Rodica Oana Ioniţă

    2013-01-01

    This paper is an empirical study which analyzes economic and financial instability periods. I composed two early warning indicators: one for a period of economic instability and other for a period of financial instability. The index of economic instability periods is called EWI (Economic Warning Index) and it is defined with the aid of an intermediary indicator CII – defined in terms of industrial production growth, external trade growth and unemployment growth – and of a basket of significan...

  8. Presenting practice financial information.

    Science.gov (United States)

    Webster, Lee Ann H

    2007-01-01

    Medical practice leadership teams, often consisting primarily of physicians with limited financial backgrounds, must make important business decisions and continuously monitor practice operations. In order to competently perform this duty, they need financial reports that are relevant and easy to understand. This article explores financial reporting and decision-making in a physician practice. It discusses reports and tools, such as ratios, graphs, and comparisons, that practices typically include in their reports. Because profitability and cash flow are often the most important financial considerations for physician practices, reports should generally focus on the impact of various activities and potential decisions upon these concerns. This article also provides communication tips for both those presenting practice financial information and those making the decisions. By communicating effectively, these leaders can best use financial information to improve decision-making and maximize financial performance. PMID:17974087

  9. Aid and Development

    DEFF Research Database (Denmark)

    Tarp, Finn

    Foreign aid looms large in the public discourse; and international development assistance remains squarely on most policy agendas concerned with growth, poverty and inequality in Africa and elsewhere in the developing world. The present review takes a retrospective look at how foreign aid has...... evolved since World War II in response to a dramatically changing global political and economic context. I review the aid process and associated trends in the volume and distribution of aid and categorize some of the key goals, principles and institutions of the aid system. The evidence on whether aid has...... for aid in the future...

  10. Types of Foreign Aid

    DEFF Research Database (Denmark)

    Bjørnskov, Christian

    Foreign aid is given for many purposes and different intentions, yet most studies treat aid flows as a unitary concept. This paper uses factor analysis to separate aid flows into different types. The main types can be interpreted as aid for economic purposes, social purposes, and reconstruction......; a residual category captures remaining purposes. Estimating the growth effects of separable types of aid suggests that most aid has no effects while reconstruction aid has direct positive effects. Although this type only applies in special circumstances, it has become more prevalent in more recent years....

  11. Interactive Financial Charts- Agency Financial Reports

    Data.gov (United States)

    General Services Administration — For a visual depiction of GSA's Balance Sheet and Statement of Net Cost, please use the interactive charts to view the financial results for fiscal years 2007-2013.

  12. Beijing: Next International Financial Hub?

    Institute of Scientific and Technical Information of China (English)

    Li Zhen

    2008-01-01

    @@ Beijing's new financial dream On May 5,the Beijing Municipal Government released a notice regarding its plans to spur the financial industry,vowing to put forth a strong effort to become the national financial decision-making center,financial management center and financial information and services center,and formally announcing its ambitious aspiration to become a financial hub with international influence.

  13. Financial Risk Measurement for Financial Risk Management

    OpenAIRE

    Torben G. Andersen; Tim Bollerslev; Peter F. Christoffersen; Francis X. Diebold

    2012-01-01

    Current practice largely follows restrictive approaches to market risk measurement, such as historical simulation or RiskMetrics. In contrast, we propose flexible methods that exploit recent developments in financial econometrics and are likely to produce more accurate risk assessments, treating both portfolio-level and asset-level analysis. Asset-level analysis is particularly challenging because the demands of real-world risk management in financial institutions - in particular, real-time r...

  14. Financial Report - Financial Statements of Company

    OpenAIRE

    Novotná, Eliška

    2014-01-01

    This thesis deals with the closing of books and the final accounts, or more precisely final accounts in a broader sense, of the business entity in the Czech Republic. The theoretical part focuses on the preparatory work before closing the books that lead to the preparation of financial statements, it means the balance sheet, income statement, notes to the financial statements, alternatively cash flow statement and statement of changes in the equity. Preparatory works mean such as inventory...

  15. Thinking about Aid Predictability

    OpenAIRE

    Andrews, Matthew; Wilhelm, Vera

    2008-01-01

    Researchers are giving more attention to aid predictability. In part, this is because of increases in the number of aid agencies and aid dollars and the growing complexity of the aid community. A growing body of research is examining key questions: Is aid unpredictable? What causes unpredictability? What can be done about it? This note draws from a selection of recent literature to bring s...

  16. How to Get Hearing Aids

    Science.gov (United States)

    ... Consumer Products Hearing Aids How to get Hearing Aids Share Tweet Linkedin Pin it More sharing options ... my hearing aids? How do I get hearing aids? To get hearing aids, you should first have ...

  17. THEORIES REGARDING FINANCIAL INTERMEDIATION AND FINANCIAL INTERMEDIARIES – A SURVEY

    OpenAIRE

    2009-01-01

    In this paper we propose to make a presentation of the main theories on financial intermediation and financial intermediaries. Modern theory of financial intermediation examine the main functions of financial intermediation, how the financial intermediation affect the economy as a whole and the effects of government policies on financial intermediaries. We will focus on issues of function of financial intermediaries, such as reduction of transaction costs, liquidity provision, information pro...

  18. School, parents, and financial literacy shape future financial behavior

    OpenAIRE

    Grohmann, Antonia; Menkhoff, Lukas

    2015-01-01

    Why do some people make better financial decisions than others do? The level of financial literacy plays an important role: Quality schooling that also deals with financial issues likewise leads to better financial decisions. However, many studies neglect how parenting also influences financial behavior. This report shows that parents also have an indirect effect on the financial literacy of their adult children; in general, specific financial training actually has less of an effect on financ...

  19. Roots of Financial Literacy

    OpenAIRE

    Grohmann, Antonia; Kouwenberg, Roy; Menkhoff, Lukas

    2014-01-01

    Our study aims to uncover the roots of financial literacy. Better financial literacy predicts more informed savings and borrowing decisions in our sample, covering the urban middle-class in an emerging economy. We then test education at school, family background, parental teaching, and childhood experiences with money as potential determinants of financial literacy. In addition to risk tolerance and having basic numeracy skills, we find that family variables matter most, in particular better ...

  20. Social Security Financial Crises

    OpenAIRE

    Rodrigo Cerda

    2003-01-01

    This paper explores the causes of the social security financial crises. We indicate that the financial crisis might be endogenous to the social security system. The main idea is that the PAYG social security system might affect fertility and human capital's decisions and therefore, may negatively impact the aggregated growth rate of the economy. These effects lead to an endogenous erosion of the financial basis of the PAYG social security program so that, as a consequence, the PAYG system is ...

  1. INTERCONTINENTAL FINANCIAL STREET BEIJING

    Institute of Scientific and Technical Information of China (English)

    ZHANGCHUNYUE; FENGJIAYUN

    2005-01-01

    InterContinental Financial Street Beijing opened its doors on May 1st, 2005, just days before the world's business leaders flooded into town for the Fortune Global Forum.The first international luxury hotel in the Chinese capital's new and rapidly growing Financial Street business center, the InterContinental Financial Street Beijing is the flagship property of FnterContinental Hotels and Resorts on the Chinese mainland, and as such a pioneer in Beijing's future,

  2. Optimal Financial Repression

    OpenAIRE

    Olga A. Norkina; Sergey E. Pekarski

    2014-01-01

    Modern financial repression in advanced economies does not rely on increasing seigniorage revenue, but mostly rests upon regulatory measures to enlarge the demand for public debt that delivers extremely low or negative real interest rate. In this paper we propose the extension of the overlapping generations model to question the optimality of financial repression in the form of non-market placement of the public debt in the captive pension fund. We show that financial repression and capital i...

  3. Informal Financial Assistance for Patients With a Hematological Malignancy: Implications for Oncology Social Work Practice.

    Science.gov (United States)

    McGrath, Pam

    2015-01-01

    The article presents original research findings on informal financial assistance for hematological patients; that is, the gifts from family, friends, and communities that help patients cope with the financial hardship associated with cancer. The qualitative study involved interviews with 45 hematology patients that were audio-recorded, transcribed, coded, and then thematically analyzed. The findings examine the differing perspectives that individuals and families bring to the notion of informal financial aid, provide examples of individuals who require and receive informal financial assistance, and conclude with descriptions of those who require informal financial assistance but it is not available. The implications of the findings for oncology social work practice are explored. PMID:26671243

  4. Aid and growth regressions

    DEFF Research Database (Denmark)

    Hansen, Henrik; Tarp, Finn

    2001-01-01

    This paper examines the relationship between foreign aid and growth in real GDP per capita as it emerges from simple augmentations of popular cross country growth specifications. It is shown that aid in all likelihood increases the growth rate, and this result is not conditional on ‘good’ policy....... There are, however, decreasing returns to aid, and the estimated effectiveness of aid is highly sensitive to the choice of estimator and the set of control variables. When investment and human capital are controlled for, no positive effect of aid is found. Yet, aid continues to impact on growth via...

  5. Strategic Responses to Financial Crisis

    OpenAIRE

    Toh, Voon Sia

    2011-01-01

    This study examines the Malaysian financial institutions’ responses to the Macroenvironment during both the 1997-98 Asian financial crisis and the 2007-09 US subprime financial crisis.Based on the findings, results show that these three Malaysian financial institutions handled both the 1997-98 Asian financial crisis and the 2008-09 US subprime financial crisis well.Despite instability in the macro-environment, these financial institutions took the opportunities in strengthening their competit...

  6. Financial Statement Preparing.

    OpenAIRE

    Benešová, Barbora

    2011-01-01

    Financial statement can be regarded as a key document made on the balancing day (the date of closing of books) in case of annual financial statement, or on another day than balancing day, in which case it is called a special-purpose or interim financial statement. Financial statement is defined by Act No. 563/1991 Coll., on accounting, as an indivisible whole, consisting of a balance sheet, a profit and loss statement and a supplement. Selected accounting entities under § 20 par. 1 further...

  7. The Financial Aid Office's Role in Enrollment Management: Part 2

    Science.gov (United States)

    McGhee, Kenneth

    2016-01-01

    Student retention is an important part of a strategic enrollment management plan. Many scholars have written about the challenges of helping students not only enroll in college but also complete their degree programs. Among students pursuing a doctoral degree in higher education administration, student retention is a popular topic. Many doctoral…

  8. Elections to the Mutual Aid Fund

    CERN Multimedia

    2016-01-01

    Every two years, according to Article 6 of the Regulations of the Mutual Aid Fund, the Committee of the Mutual Aid Fund must renew one third of its membership. This year three members are outgoing. Of these three, two will stand again and one will not.   Candidates should be ready to give approximately two hours a month during working time to the Fund whose aim is to assist colleagues in financial difficulties. We invite applications from CERN Staff who wish to stand for election as a member of the CERN Mutual Aid Fund to send in their application before 17 June 2016, by email to the Fund’s President, Connie Potter (connie.potter@cern.ch).

  9. Intergovernmental Aid for Cities and Schools: A Comment on Research Methods.

    Science.gov (United States)

    Pelissero, John P.; Morgan, David R.

    1987-01-01

    Explores alternative means of studying the responsiveness of states to the pressing financial needs of cities and schools. Suggests ways to better understand intergovernmental aid allocations that are population-driven. (BSR)

  10. Is the"Japan Problem"real? How problems in Japan's financial sector could affect developing regions

    OpenAIRE

    Shigeru Otsubo; Masahiko Tsutsumi

    1996-01-01

    The burst of the Japanese financial bubble in the early 1990s has increased the bad debts of Japan's financial institutions. Japan accounts for about 20 percent of foreign aid to developing countries and for 10 percent of their exports, so Japan's economic health is important. The authors analyze the situation, assess the bad debt stock, and simulate the likely effects of crises in Japan's financial sector. They conclude that: a) a crisis that would shake up the world financial market is unli...

  11. State Tuition, Fees, and Financial Assistance Policies: For Public Colleges and Universities, 2010-11

    Science.gov (United States)

    Bell, Allison C.; Carnahan, Julie; L'Orange, Hans P.

    2011-01-01

    This report, "State Tuition, Fees, and Financial Assistance Policies for Public Colleges and Universities: 2010-11", examines the philosophies, policies, and procedures that influence decision-making regarding public college and university tuition, student fees, and student financial aid programs. This report also provides information related to…

  12. How HIV Causes AIDS

    Science.gov (United States)

    ... Share this: Main Content Area How HIV Causes AIDS HIV destroys CD4 positive (CD4+) T cells, which ... and disease, ultimately resulting in the development of AIDS. Most people who are infected with HIV can ...

  13. HIV/AIDS Basics

    Science.gov (United States)

    ... Providers Prevention Resources Newsletter Get Tested Find an HIV testing site near you. Enter ZIP code or ... AIDS Get Email Updates on AAA Anonymous Feedback HIV/AIDS Media Infographics Syndicated Content Podcasts Slide Sets ...

  14. Aids for visual impairment.

    OpenAIRE

    Dudley, N. J.

    1990-01-01

    This article provides only a flavour of the type and range of aids available to the visually impaired person. Many other aids for leisure, learning, and daily living are illustrated in the RNIB equipment and games catalogue.

  15. Head injury - first aid

    Science.gov (United States)

    ... medlineplus.gov/ency/article/000028.htm Head injury - first aid To use the sharing features on this page, ... a concussion can range from mild to severe. First Aid Learning to recognize a serious head injury and ...

  16. Poisoning first aid

    Science.gov (United States)

    ... page: //medlineplus.gov/ency/article/007579.htm Poisoning first aid To use the sharing features on this page, ... or burns Stupor Unconsciousness Unusual breath odor Weakness First Aid Seek immediate medical help. For poisoning by swallowing: ...

  17. Frostbite, First Aid

    Science.gov (United States)

    ... and rashes clinical tools newsletter | contact Share | Frostbite, First Aid A A A Severe frostbite can result in ... became frozen). Frostbite is often associated with hypothermia. First Aid Guide In the case of mild frostbite, the ...

  18. Jellyfish Stings, First Aid

    Science.gov (United States)

    ... rashes clinical tools newsletter | contact Share | Jellyfish Stings, First Aid A A A The rash caused by a ... to Portuguese man-of-war stings as well. First Aid Guide The rescuer should take care to avoid ...

  19. Unconsciousness, First Aid

    Science.gov (United States)

    ... and rashes clinical tools newsletter | contact Share | Unconsciousness, First Aid A A A Unconsciousness signs and symptoms can ... keep the airway clear while awaiting medical care. First Aid Guide If you find an unconscious person, try ...

  20. Tick Bites, First Aid

    Science.gov (United States)

    ... rashes clinical tools newsletter | contact Share | Tick Bites, First Aid A A A It is important to inspect ... temporary paralysis in their host (called tick paralysis). First Aid Guide To remove an embedded tick: Wash your ...

  1. Heat Cramps, First Aid

    Science.gov (United States)

    ... rashes clinical tools newsletter | contact Share | Heat Cramps, First Aid A A A Heat cramp signs and symptoms ... if later stages of heat illness are suspected. First Aid Guide Use a combination of the following measures, ...

  2. Blisters, First Aid

    Science.gov (United States)

    ... and rashes clinical tools newsletter | contact Share | Blisters, First Aid A A A Blisters on the feet are ... can also be found via the Disease List. First Aid Guide Blisters often go away on their own ...

  3. Heatstroke, First Aid

    Science.gov (United States)

    ... and rashes clinical tools newsletter | contact Share | Heatstroke, First Aid A A A Heatstroke signs and symptoms can ... specific to the earlier stages of heat illness. First Aid Guide When heatstroke is suspected, seek emergency medical ...

  4. Heat Exhaustion, First Aid

    Science.gov (United States)

    ... rashes clinical tools newsletter | contact Share | Heat Exhaustion, First Aid A A A Heat exhaustion signs and symptoms ... specific to the other stages of heat illness. First Aid Guide Use a combination of the following measures ...

  5. First aid kit

    Science.gov (United States)

    ... this page: //medlineplus.gov/ency/article/001958.htm First aid kit To use the sharing features on this ... ahead, you can create a well-stocked home first aid kit. Keep all of your supplies in one ...

  6. Head Trauma, First Aid

    Science.gov (United States)

    ... rashes clinical tools newsletter | contact Share | Head Trauma, First Aid A A A Head trauma signs and symptoms ... to take care for potential neck/spinal injury. First Aid Guide If you suspect either a serious head ...

  7. Bruises, First Aid

    Science.gov (United States)

    ... and rashes clinical tools newsletter | contact Share | Bruises, First Aid A A A Bruises lighten and change color ... Bruises can be a sign of internal bleeding. First Aid Guide If there is external bleeding in addition ...

  8. First Aid and Safety

    Science.gov (United States)

    ... Things to Know About Zika & Pregnancy First Aid & Safety Keeping your child safe is your top priority. ... to call for help, and more. First Aid & Safety Center Home Sweet Home A Safe and Spooktacular ...

  9. AIDS Myths and Misunderstandings

    Science.gov (United States)

    ... 2014 Select a Language: Fact Sheet 158 AIDS Myths and Misunderstandings WHY ARE THERE SO MANY AIDS ... sweat, saliva or urine of an infected person. Myth: A pregnant woman with HIV infection always infects ...

  10. First Aid: Influenza (Flu)

    Science.gov (United States)

    ... Smoothie Pregnant? Your Baby's Growth First Aid: The Flu KidsHealth > For Parents > First Aid: The Flu Print ... tiredness What to Do If Your Child Has Flu Symptoms: Call your doctor. Encourage rest. Keep your ...

  11. Fundamentals of Financial Statements Audit

    OpenAIRE

    World Bank

    2011-01-01

    The purpose of an audit is to enhance the degree of confidence of intended users in the financial statements. The objective of an audit of financial statements is to enable an auditor to express an opinion as to whether the financial statements are prepared, in all material respects, in accordance with International Financial Reporting Standards or another identified financial reporting fr...

  12. Music and Hearing Aids

    OpenAIRE

    Madsen, Sara M. K.; Moore, Brian C. J.

    2014-01-01

    The signal processing and fitting methods used for hearing aids have mainly been designed to optimize the intelligibility of speech. Little attention has been paid to the effectiveness of hearing aids for listening to music. Perhaps as a consequence, many hearing-aid users complain that they are not satisfied with their hearing aids when listening to music. This issue inspired the Internet-based survey presented here. The survey was designed to identify the nature and prevalence of problems a...

  13. Fiscal effects of aid

    OpenAIRE

    Timmis, Emilija

    2015-01-01

    This thesis analyses fiscal effects of aid, first of health aid on health spending for a sample of developing countries and then broadly for Ethiopia and Tanzania. Particular attention is paid to data quality and the severe difficulties in achieving a reliable disaggregation of aid into its on-budget and off-budget components. The first essay assesses the sensitivity of estimated health aid fungibility to how the missing data (often considerable) are treated and explores a novel (at least in...

  14. Studying Aid: Some Methods

    OpenAIRE

    Gasper, Des

    2003-01-01

    textabstractINVESTIGATING IDEAS, IDEOLOGIES AND PRACTICES This paper presents some methods for trying to make sense of international aid and of its study.1 Some of the methods may be deemed ethnographic; the others are important partners to them, but rather different. In the course of discussing questions of aid policy and practice—such as: Should international development aid exist at all? How should aid be conducted? Should humanitarian relief be provided in conflict situations when it can ...

  15. A Review of Financial Accounting Fraud Detection based on Data Mining Techniques

    OpenAIRE

    Sharma, Anuj; Panigrahi, Prabin Kumar

    2013-01-01

    With an upsurge in financial accounting fraud in the current economic scenario experienced, financial accounting fraud detection (FAFD) has become an emerging topic of great importance for academic, research and industries. The failure of internal auditing system of the organization in identifying the accounting frauds has lead to use of specialized procedures to detect financial accounting fraud, collective known as forensic accounting. Data mining techniques are providing great aid in finan...

  16. Financial Rogue Waves

    International Nuclear Information System (INIS)

    We analytically give the financial rogue waves in the nonlinear option pricing model due to Ivancevic, which is nonlinear wave alternative of the Black-Scholes model. These rogue wave solutions may he used to describe the possible physical mechanisms for rogue wave phenomenon in financial markets and related fields.

  17. Financial Rogue Waves

    Science.gov (United States)

    Yan, Zhen-Ya

    2010-11-01

    We analytically give the financial rogue waves in the nonlinear option pricing model due to Ivancevic, which is nonlinear wave alternative of the Black—Scholes model. These rogue wave solutions may he used to describe the possible physical mechanisms for rogue wave phenomenon in financial markets and related fields.

  18. Financial Sector Assessment : Fiji

    OpenAIRE

    World Bank, (WB)

    2007-01-01

    The financial sector in Fiji is generally sound but has concentrated too heavily on domestic exposures producing a lack of risk diversification. This concentration is an increasing vulnerability, as foreign currency earnings become more dependent on tourism and remittances from workers overseas. Fiji has a financially strong and highly profitable banking sector, good supervision and laws, ...

  19. Financial Services Marketing.

    Science.gov (United States)

    Olson, Lucretia Maria

    This manual contains student assignments in the financial services area of the marketing process. The individualized competency-based materials are intended to enhance and supplement instruction or to provide the basis for a course of instruction by the teacher-coordinator. Information on skills needed in jobs in financial marketing is first…

  20. Financial Sector Assessment : Kuwait

    OpenAIRE

    World Bank

    2004-01-01

    A joint International Monetary Fund (IMF)-World Bank financial sector assessment team visited Kuwait in early September 2003, at the request of the government of Kuwait and the central bank. This financial sector assessment report is based on analyses undertaken during that mission. The principal objective of the mission was to assist the authorities in evaluating the strengths, vulnerabil...

  1. Radical Financial Innovation

    OpenAIRE

    Robert J. Shiller

    2004-01-01

    Radical financial innovation is the development of new institutions and methods that permit risk management to be extended far beyond its former realm, covering important new classes of risks. This paper compares past such innovation with potential future innovation, looking at the process that produced past success and the possibilities for future financial innovation.

  2. Financial Crisis Redux?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    Observers refute the start of a new Asian financial crisis sparked by Viet Nam’s financial and economic troubles It looked like a sudden nightmare when stockholders with hundreds of millions of Vietnamese dong found their pockets half empty overnight. The once prosper- ous bull market in Viet Nam plummeted to

  3. Financial Key Ratios

    Directory of Open Access Journals (Sweden)

    Tănase Alin-Eliodor

    2014-08-01

    Full Text Available This article focuses on computing techniques starting from trial balance data regarding financial key ratios. There are presented activity, liquidity, solvency and profitability financial key ratios. It is presented a computing methodology in three steps based on a trial balance.

  4. Late Financial Distress Process Stages and Financial Ratios

    DEFF Research Database (Denmark)

    Sormunen, Nina; Laitinen, Teija

    2012-01-01

    The present study adds to our understanding and knowledge of financial distress predictions regarding the usefulness of financial ratios in the late stages of the financial distress process. The study contributes to previous research by generating information concerning: (1) the behavior...... and usefulness of single financial ratios in short-term financial distress prediction when the effect of each different financial distress process stage is considered; (2) the effects of recognition of the financial distress process stage on the financial distress prediction model. The time horizon...... stage affects the classification ability of single financial ratios and financial distress prediction models in short-term financial distress prediction. The study shows that the auditor's GC task could be supported by paying attention to the financial distress process stage. The implications...

  5. Determinants of State Aid

    NARCIS (Netherlands)

    Buiren, K.; Brouwer, E.

    2010-01-01

    From economic theory we derive a set of hypotheses on the determination of state aid. Econometric analysis on EU state aid panel data is carried out to test whether the determinants we expect on the basis of theory, correspond to the occurrence of state aid in practice in the EU. We find that politi

  6. First Aid: Falls

    Science.gov (United States)

    ... Story" 5 Things to Know About Zika & Pregnancy First Aid: Falls KidsHealth > For Parents > First Aid: Falls Print A A A Text Size en ... Floors, Doors & Windows, Furniture, Stairways: Household Safety Checklist First Aid: Broken Bones Head Injuries Preventing Children's Sports Injuries ...

  7. First Aid: Rashes

    Science.gov (United States)

    ... Story" 5 Things to Know About Zika & Pregnancy First Aid: Rashes KidsHealth > For Parents > First Aid: Rashes Print A A A Text Size Rashes ... For Kids For Parents MORE ON THIS TOPIC First Aid: Skin Infections Poison Ivy Erythema Multiforme Hives (Urticaria) ...

  8. First Aid: Dehydration

    Science.gov (United States)

    ... Story" 5 Things to Know About Zika & Pregnancy First Aid: Dehydration KidsHealth > For Parents > First Aid: Dehydration Print A A A Text Size Dehydration ... MORE ON THIS TOPIC Summer Safety Heat Illness First Aid: Heat Illness Sun Safety Dehydration Diarrhea Vomiting Word! ...

  9. First Aid: Burns

    Science.gov (United States)

    ... Story" 5 Things to Know About Zika & Pregnancy First Aid: Burns KidsHealth > For Parents > First Aid: Burns Print A A A Text Size Scald ... THIS TOPIC Kitchen: Household Safety Checklist Fireworks Safety First Aid: Sunburn Firesetting Fire Safety Burns Household Safety: Preventing ...

  10. First Aid: Choking

    Science.gov (United States)

    ... Story" 5 Things to Know About Zika & Pregnancy First Aid: Choking KidsHealth > For Parents > First Aid: Choking Print A A A Text Size Choking ... usually are taught as part of any basic first-aid course. Reviewed by: Steven Dowshen, MD Date reviewed: ...

  11. First Aid: Animal Bites

    Science.gov (United States)

    ... Story" 5 Things to Know About Zika & Pregnancy First Aid: Animal Bites KidsHealth > For Parents > First Aid: Animal Bites Print A A A Text Size ... For Kids For Parents MORE ON THIS TOPIC First Aid & Safety Center Infections That Pets Carry Dealing With ...

  12. First Aid: Croup

    Science.gov (United States)

    ... Story" 5 Things to Know About Zika & Pregnancy First Aid: Croup KidsHealth > For Parents > First Aid: Croup Print A A A Text Size Croup ... For Kids For Parents MORE ON THIS TOPIC First Aid: Coughing X-Ray Exam: Neck Why Is Hand ...

  13. Designing State Aid Formulas

    Science.gov (United States)

    Zhao, Bo; Bradbury, Katharine

    2009-01-01

    This paper designs a new equalization-aid formula based on fiscal gaps of local communities. When states are in transition to a new local aid formula, the issue of whether and how to hold existing aid harmless poses a challenge. The authors show that some previous studies and the formulas derived from them give differential weights to existing and…

  14. Financial Lie groups

    CERN Document Server

    carfí, David

    2011-01-01

    In this paper we see the evolution of a capitalized financial event e, with respect to a capitalization factor f, as the exponential map of a suitably defined Lie group G(f,e), supported by the half-space of capitalized financial events having the same capital sign of e. The Lie group G(f,e) depends upon the capitalization factor f and on the event e itself. After the extension of the definition of exponential map of a Lie group, we shall eliminate the dependence on the financial event e, recognizing the presence of essentially one unique financial Lie semigroup, supported by the entire space of capitalized financial events, determined by the capitalization factor f.

  15. Financial Openness and Financial Development: An Analysis Using Indices

    OpenAIRE

    Ozkok, Zeynep

    2010-01-01

    This paper examines the link between financial openness and financial development through panel data analysis on advanced and emerging market countries. Using indices, financial openness together with institutional and educational variables explains a large part of the variation in financial development across countries and over time. Our analysis demonstrates that different indexing strategies serve in finding better measures for financial openness and financial development in comparis...

  16. Financial Declines, Financial Behaviors, and Relationship Satisfaction during the Recession

    Directory of Open Access Journals (Sweden)

    Jeffrey P. Dew

    2013-08-01

    Full Text Available Using nationally-representative data collected during the summer of 2009 (N = 575, this study examines how reports of financial declines are associated with financial behaviors and how financial behaviors are associated with relationship satisfaction among cohabiting and married participants. Findings suggested that financial declines were only negatively associated with sound financial management behavior if participants also experienced feelings of economic pressure. Sound financial management behavior was found to be positively associated with marital satisfaction. Finally, sound financial management behavior also moderated the association between financial declines, economic pressure, and relationship satisfaction.

  17. FINANCIAL CYCLES – THE SYNCHRONIZATION WITH FINANCIAL CRISES

    Directory of Open Access Journals (Sweden)

    Liliana DONATH

    2014-11-01

    Given the multidimensional interactions between financial and economic cycles, a close monitoring of cycles in financial markets should be an integral part of macroeconomic surveillance and policy design.

  18. Why foreign aid fails

    Directory of Open Access Journals (Sweden)

    Prokopijević Miroslav

    2007-01-01

    Full Text Available The main point of this paper is that foreign aid fails because the structure of its incentives resembles that of central planning. Aid is not only ineffective, it is arguably counterproductive. Contrary to business firms that are paid by those they are supposed to serve (customers, aid agencies are paid by tax payers of developed countries and not by those they serve. This inverse structure of incentives breaks the stream of pressure that exists on the commercial market. It also creates larger loopholes in the principle-agent relationship on each point along the chain of aid delivery. Both factors enhance corruption, moral hazard and negative selection. Instead of promoting development, aid extends the life of bad institutions and those in power. Proposals to reform foreign aid – like aid privatization and aid conditionality – do not change the existing structure of the incentives in aid delivery, and their implementation may just slightly improve aid efficacy. Larger improvement is not possible. For that reason, foreign aid will continue to be a waste of resources, probably serving some objectives different to those that are usually mentioned, like recipient’s development poverty reduction and pain relief.

  19. Aid and development

    DEFF Research Database (Denmark)

    Tarp, Finn

    2006-01-01

    Foreign aid looms large in the public discourse; and international development assistance remains squarely on most policy agendas concerned with growth, poverty and inequality in Africa and elsewhere in the developing world. The present review takes a retrospective look at how foreign aid has...... evolved since World War II in response to a dramatically changing global political and economic context. I review the aid process and associated trends in the volume and distribution of aid and categorize some of the key goals, principles and institutions of the aid system. The evidence on whether aid has...... been effective in furthering economic growth and development is discussed in some detail. I add perspective and identify some critical unresolved issues. I finally turn to the current development debate and discuss some key concerns, I believe should be kept in mind in formulating any agenda for aid...

  20. Conditional Aid Effectiveness

    DEFF Research Database (Denmark)

    Doucouliagos, Hristos; Paldam, Martin

    The AEL (aid effectiveness literature) studies the effect of development aid using econometrics on macro data. It contains about 100 papers of which a third analyzes conditional models where aid effectiveness depends upon z, so that aid only works for a certain range of the variable. The key term...... in this family of AEL models is thus an interaction term of z times aid. The leading candidates for z are a good policy index and aid itself. In this paper, meta-analysis techniques are used (i) to determine whether the AEL has established the said interaction terms, and (ii) to identify some of the determinants...... of the differences in results between studies. Taking all available studies in consideration, we find no support for conditionality with respect to policy, while conditionality regarding aid itself is dubious. However, the results differ depending on the authors’ institutional affiliation....

  1. China vs. AIDS

    Institute of Scientific and Technical Information of China (English)

    LURUCAI

    2004-01-01

    CHINA's first HIV positive diagnosis was in 1985, the victim an ArgentineAmerican. At that time most Chinese,medical workers included, thought of AIDS as a phenomenon occurring outside of China. Twenty years later, the number of HIV/AIDS patients has risen alarmingly. In 2003, the Chinese Ministry of Health launched an AIDS Epidemiological Investigation across China with the support of the WHO and UN AIDS Program. Its results show that there are currently 840,000 HIV carriers, including 80,000 people with full-blown AIDS, in 31 Chinese provinces, municipalities and autonomous regions. This means China has the second highest number of HIV/AIDS cases in Asia and 14th highest in the world. Statistics from the Chinese Venereal Disease and AIDS Prevention Association indicate that the majority of Chinese HIV carriers are young to middle aged, more than half of them between the ages of 20 and 29.

  2. Aid and Development

    DEFF Research Database (Denmark)

    Tarp, Finn; Arndt, Channing; Jones, Edward Samuel

    This paper considers the relationship between external aid and development in Mozambique from 1980 to 2004. The main objective is to identify the specific mechanisms through which aid has influenced the developmental trajectory of the country and whether one can plausibly link outcomes to aid...... inputs. We take as our point of departure a growth accounting analysis and review both intended and unintended effects of aid. Mozambique has benefited from sustained aid inflows in conflict, post-conflict and reconstruction periods. In each of these phases aid has made an unambiguous, positive...... contribution both enabling and supporting rapid growth since 1992. At the same time, the proliferation of donors and aid-supported interventions has burdened local administration and there is a distinct need to develop government accountability to its own citizens rather than donor agencies. In ensuring...

  3. Childhood roots of financial literacy

    OpenAIRE

    Grohmann, Antonia; Kouwenberg, Roy; Menkhoff, Lukas

    2015-01-01

    Financial literacy predicts informed financial decisions, but what explains financial literacy? We use the concept of financial socialization and aim to represent three major agents of financial socialization: family, school and work. Thus we compile twelve relevant childhood characteristics in a new survey study and examine their relation to financial literacy, while controlling for established socio-demographic characteristics. We find in a mediation analysis that both family and school pos...

  4. Financial globalisation and the crisis

    OpenAIRE

    Lane, Philip R.

    2012-01-01

    The global financial crisis provides an important testing ground for the financial globalisation model. We ask three questions. First, did financial globalisation materially contribute to the origination of the global financial crisis? Second, once the crisis occurred, how did financial globalisation affect the incidence and propagation of the crisis across different countries? Third, how has financial globalisation affected the management of the crisis at national and international levels?

  5. On financial management of population and family planning programs.

    Science.gov (United States)

    1976-03-01

    In the 3 day workshop of the Southeast Asian Region on the Financial Management of Population/Family Planning Programs held from March 15 to 17 it was recommended that there by standardization of financial reporting procedures by country programs for population planning. Related to this recommendation was the proposal that measurement of cost benefit and cost effective analysis of country programs be undertaken by the Research and Evaluation Units of the respective population organizations in close coordination with the financial managers. Other major recommendations included: 1) closer coordination between donor agencies and policy making bodies of country programs in the disbursement of funds; 2) more exchange of experiences, ideas, technical knowledge on the financial management of country programs in the Inter G overnmental Coordinating Committee for Southeast Asian countries; and 3) inclusion of applicable financial management topics in the training of clinical staff and followup in actual operation. The priority areas identified for the Inter Governmental Coordinating Committee countries (Nepal, Malaysia, Thailand, Singapore, and the Philippines) are financial planning; generation of resources and budgeting and allocation of funds; accounting and disbursement of funds; financial management at the clinic level; use of and control of foreign aid; and cost effectiveness, benefit analysis and financial reporting. PMID:12334205

  6. Financial Reforms and Financial Fragility: A Panel Data Analysis

    Directory of Open Access Journals (Sweden)

    Syed Faizan Iftikhar

    2015-04-01

    Full Text Available This paper explores the relationship between financial reforms, financial liberalization and the quality of banking regulation and supervision for financial fragility by applying a dynamic two-step system generalized method of moments GMM panel estimator technique. The finding of this study is that the financial vulnerability of the banking sector could be affected, not only by bank-specific and macro-specific variables; but also by financial liberalization and banking regulations and supervision policies. The empirical results of this study confirm the evidence that financial reforms and financial liberalization significantly enhance the likelihood of financial fragility while strong banking regulations and supervision have an inverse relationship with financial fragility. The results of this study also explain that the lag value of loan growth and unemployment contribute to enhancing financial fragility while equity to assets ratio, natural log of total assets and share of foreign banks reduce financial vulnerability.

  7. International Monetary Fund and aid displacement.

    Science.gov (United States)

    Stuckler, David; Basu, Sanjay; McKee, Martin

    2011-01-01

    Several recent papers find evidence that global health aid is being diverted to reserves, education, military, or other sectors, and is displacing government spending. This is suggested to occur because ministers of finance have competing, possibly corrupt, priorities and deprive the health sector of resources. Studies have found that development assistance for health routed to governments has a negative impact on health spending and that similar assistance routed to private nongovernmental organizations has a positive impact. An alternative hypothesis is that World Bank and IMF macro-economic policies, which specifically advise governments to divert aid to reserves to cope with aid volatility and keep government spending low, could be causing the displacement of health aid. This article evaluates whether aid displacement was greater when countries undertook a new borrowing program from the IMF between 1996 and 2006. As found in existing studies, for each $1 of development assistance for health, about $0.37 is added to the health system. However, evaluating IMF-borrowing versus non-IMF-borrowing countries reveals that non-borrowers add about $0.45 whereas borrowers add less than $0.01 to the health system. On average, health system spending grew at about half the speed when countries were exposed to the IMF than when they were not. It is important to take account of the political economy of global health finance when interpreting data on financial flows.

  8. Financial Markets and Persistence

    CERN Document Server

    Jain, S

    2005-01-01

    Persistence is studied in a financial context by mapping the time evolution of the values of the shares quoted on the London Financial Times Stock Exchange 100 index (FTSE 100) onto Ising spins. By following the time dependence of the spins, we find evidence for power law decay of the proportion of shares that remain either above or below their ` starting\\rq values. As a result, we estimate a persistence exponent for the underlying financial market to be $\\theta_f\\sim 0.5$.

  9. Framing financial culture

    DEFF Research Database (Denmark)

    Just, Sine Nørholm; Mouton, Nicolaas T.O.

    2014-01-01

    between competing frames leads to the conclusion that this political “blame game” is related to struggles over how to define the scandal, how to conceptualize its causes, and policy recommendations. Banks may have lost the battle of “Liborgate,” but the war over the meaning of financial culture is far...... from over. Originality/value – The paper is theoretically and methodologically original in its combination of the theories of framing and stasis, and it provides analytical insights into how sense is made of financial culture in the wake of the financial crisis....

  10. Complexity and Targeting in Federal Student Aid: A Quantitative Analysis. NBER Working Paper No. 13801

    Science.gov (United States)

    Dynarski, Susan; Scott-Clayton, Judith E.

    2008-01-01

    A growing body of empirical evidence shows that some financial aid programs increase college enrollment. Puzzlingly, there is little compelling evidence that Pell Grants and Stafford Loans, the primary federal student aid programs, are effective in achieving this goal. In this paper, we provide an in-depth review of this evidence, which taken as a…

  11. Rio 2016 financial statements

    OpenAIRE

    2015-01-01

    These documents include the report from independent auditors balance sheet, the statement of income, the statement of changes in equity, the statement of cash flows and the explanatory notes to the financial statements.

  12. Financial report - Annex H

    International Nuclear Information System (INIS)

    This Annex includes financial report of the RA Reactor engineering group from 1987-1983. detailed data concerning operating and continual and investment maintenance costs, amortization related to the reactor, fuel elements and heavy water

  13. CEA financial report 2007

    International Nuclear Information System (INIS)

    This document provides financial data on the CEA for the year 2007. The management report (budget, resources, expenditures) and the accounting are detailed. The main management events of the year 2007 are presented. (A.L.B.)

  14. Basic Financial Accounting

    DEFF Research Database (Denmark)

    Wiborg, Karsten

    This textbook on Basic Financial Accounting is targeted students in the economics studies at universities and business colleges having an introductory subject in the external dimension of the company's economic reporting, including bookkeeping, etc. The book includes the following subjects...

  15. Financial Openness and Productivity

    OpenAIRE

    Geert Bekaert; Harvey, Campbell R.; Christian Lundblad

    2009-01-01

    Financial openness is often associated with higher rates of economic growth. We show that the impact of openness on factor productivity growth is more important than the effect on capital growth. This explains why the growth effects of liberalization appear to be largely permanent, not temporary. We attribute these permanent liberalization effects to the role financial openness plays in stock market and banking sector development, and to changes in the quality of institutions. We find some in...

  16. Weathering the financial storm

    DEFF Research Database (Denmark)

    Ólafsson, Tjörvi; Pétursson, Thórarinn G.

    2011-01-01

    and severity of the crisis. In particular, we find that the pre-crisis rate of inflation is important in explaining the post-crisis experience. Our results also suggest an important role for financial factors. In particular, we find that large banking systems tended to be associated with a deeper and more...... of the crisis and, in particular, that countries with sound fundamentals and flexible economic frameworks were better able to weather the financial storm....

  17. Financial Crisis (introduction)

    OpenAIRE

    Martin Cihak

    2009-01-01

    Since the bursting of the bubble in the U.S. mortgage market in 2007, the financial turmoil has spread to a wide range of other markets and economies around the world, morphing into a global financial crisis. The five articles in this special issue of the Czech Journal of Economics and Finance cover selected aspects of the crisis, including the contagion from advanced economies to emerging markets, the potential for contagion among European emerging markets, the differentiated impact of the c...

  18. Vanishing Financial Contagion?

    OpenAIRE

    Didier, Tatiana; Mauro, Paolo; Schmukler, Sergio L.

    2008-01-01

    While a number of crises in emerging markets generated widespread contagion in financial markets during the 1990s, more recent crises (notably, in Argentina) have been mostly contained within national borders. This has led some observers to wonder whether contagion might have become a feature of the past, with financial markets now better discriminating between emerging countries with good and bad fundamentals. Available data suggest that the main channels that contribute to transmitting fina...

  19. Financial Sector Assessment : Kenya

    OpenAIRE

    World Bank

    2005-01-01

    This Financial Sector Assessment (FSA) is based on the work of the joint International Monetary Fund (IMF)- World Bank missions that visited Kenya from July 15 to July 24,2003, and from September 30 to October 15, 2003, in the context of the Financial Sector Assessment Program (FSAP). The principal objective of the missions was to assist the Kenyan authorities in assessing the development ...

  20. Chaotic Financial Tornadoes

    Science.gov (United States)

    Jakimowicz, Aleksander

    In contemporary economies classic business cycles are increasingly changing their form undergoing a transformation into phenomena that have been nicknamed financial tornados. A generalization of the Lotka-Volterra model can be used to describe these fast-changing processes. Economically speaking, the most useful are such dynamical systems in which wormholes appear. This article features application of a model with one population of prey and two populations of predators in order to explain the global financial crisis and the consequent phenomena.

  1. Audit of Financial Statement

    OpenAIRE

    Černá, Helena

    2011-01-01

    The goal of the work is the audit of financial statement of the selected subject and suggestions to improve process of audit and accounting to display the reality fair and accurately. The process of audit is simplified for small firms. Theoretic part is dedicated to laws and regulations, which are obligatory for audit, and technical literature for audit. In the second practical part, audit procedures for real company financial statement verification are implemented. This part is divide...

  2. Steps Toward Financial Viability

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    @@ If the world learns one lesson from the financial crisis,it should be this: The global economy needs a more disciplined financial system.To accomplish this,more reforms should be carried out.The World Economic and Social Survey 2010,a recent report by the Department of Economic and Social Affairs of the United Nations,outlined this issue.Edited excerpts follow:

  3. Financial Reforms and Corruption

    OpenAIRE

    Jha, Chandan Kumar

    2015-01-01

    In this paper, I assess the impact of financial reforms on corruption using a panel of 85 countries for 1984-2005. I find that several, but not all, of the policies targeted towards financial liberalization reduce corruption. Specifically, the abolition of entry barriers, credit controls, and excessive reserve requirements along with improvements in the security markets and banking supervision are associated with lower corruption.

  4. First half financial report

    International Nuclear Information System (INIS)

    Delivering products and services to nuclear power plants operators, AREVA operates in every sector of the civilian nuclear power and fuel cycle industry. This first half financial report provides information on highlights concerning the nuclear power and the connectors, income statement, performance by division (front end division, reactors and services division, back end division and connectors division), cash flow, balance sheet, post-closing events and consolidated financial statements. (A.L.B.)

  5. Financial Management in SMEs

    OpenAIRE

    Irena Jindrichovska

    2013-01-01

    The principal goal of this paper is to review recent studies on small and medium sized companies in order to concentrate on the main critical issues of SMEs financial management. There are three core elements of financial management: (1) the question of liquidity management and cash flow management. Cash is company’s most precious nonhuman asset. (2) The question of long term asset acquisition – which directs the long term course of business. (3) Questions of funding, capital structure and co...

  6. Financial Regulation Going Forward

    OpenAIRE

    Franklin Allen; Elena Carletti

    2010-01-01

    The financial sector is heavily regulated in order to prevent financial crises. The recent crisis showed how ineffective this regulation and other types of government intervention were in achieving this aim. We argue that the crisis was primarily caused by housing price bubbles. These occurred because of too loose monetary policies and the easy availability of credit resulting from the build up of large foreign exchange reserves by Asian central banks. A number of regulatory reforms are sugge...

  7. THE FINANCIAL SECTOR IN THE FINANCIAL SYSTEM ECONOMY: THEORETICAL ASPECTS

    Directory of Open Access Journals (Sweden)

    Yu. Kovalenko

    2015-06-01

    Full Text Available Broad and narrow approaches of the financial system are obtained. The difference between the financial system and the financial sector (the fi-nancial corporations sector is shown. Organizational and institutional matrix of the financial system of the economy is proposed. Key positions of institutional sectors classification of Ukraine’s economy are analyzed, as well as the System of National Accounts with respect to the financial sec-tor of corporations. The structure of the sector of financial corporations in Ukraine is defined.

  8. Financial Performance Analysis Of Financial Service Cooperative

    Directory of Open Access Journals (Sweden)

    Eyo Asro Sasmita

    2015-08-01

    Full Text Available This research is aimed to test and identify empirical evidence regarding the effect of capital structure and loan to financial performance of cooperative where the relationship between loan and financial performance is moderated by non-performing loan. The population of this research is 257 Financial Service Cooperative hereinafter referred to as KJK as the abbreviation for Koperasi Jasa Keuangan of Urban Village Community Economic Empowerment hereinafter referred to as PEMK as the abbreviation for Pemberdayaan Ekonomi Masyarakat Kelurahan in Jakarta 2011 to 2013. Sample is determined by using purposive sampling method. The data is secondary data which is obtained from the Revolving Fund Management Unit hereinafter referred to as UPDB as the abbreviation for Unit Pengelola Dana Bergulir Jakarta. Hypothesis is tested by using multiple linear regression analysis with SPSS 20.00. The number of sample used in this research is 120. Research findings explain that 1 Capital Structure hereinafter referred to as SM as the abbreviation for Struktur Modal has positive and significant impact on financial performance hereinafter referred to as KIN as the abbreviation for Kinerja Keuangan because the probability value of 0000 is smaller than amp945 0.05. Calculation shows that if the capital structure rises 1 assuming that the loan and non-performing loan variables remain the same then the financial performance will increase 0.017. 2 Loans hereinafter referred to as PIN as the abbreviation for Pinjaman given has positive and significant impact on KIN because the probability value of 0001 is smaller than amp945 0.05. If the loan rises 1 assuming that the capital structure and non-performing loan variables remain the same then the KIN will increase 0.013. 3 Non-performing loan has negative and significant effect on KIN because the probability value of 0000 is smaller than amp945 0.05. PBR varible increase 1 assuming that the loan and capital structure variables

  9. AIDS and the workplace: signs of hope from Zimbabwe.

    Science.gov (United States)

    Williams, G; Ray, S

    1994-01-01

    Strategies for Hope is a series of booklets and videos about innovative and practical approaches to AIDS management and prevention in developing countries. It is published by the UK development agency ACTIONAID and the African Medical and Research Foundation with technical and financial support from the World Health Organization Global Program on AIDS. More than 500,000 booklets and 5000 videos have been distributed worldwide. The authors describe what they learned while researching the eighth booklet in the series, Work Against AIDS, analyzing seven workplace-based AIDS programs in Zimbabwe. They argue that the workplace can play a far greater role in AIDS awareness and prevention than is generally realized. AIDS is already affecting the health and productivity of the workforce in Zimbabwe, where in some areas more than 15% of adults are estimated to be HIV-positive. Morbidity and mortality are rising with concomitant worker absenteeism, yet most workplaces in Zimbabwe do not have even a poster about AIDS on display. There are, however, some impressive education programs under way. These programs, run by a significant number of volunteer peer educators, are working to reduce the stigma attached with sexually transmitted diseases and promote low-cost or free treatment. The authors also note as most promising the program of the Zimbabwe Congress of Trade Unions training 700 Health and Safety representatives at shop-floor and branch levels in AIDS-related human rights issues at the workplace as well as AIDS awareness and prevention. PMID:12318814

  10. Vector financial rogue waves

    Energy Technology Data Exchange (ETDEWEB)

    Yan, Zhenya, E-mail: zyyan@mmrc.iss.ac.cn [Key Laboratory of Mathematics Mechanization, Institute of Systems Science, AMSS, Chinese Academy of Sciences, Beijing 100190 (China)

    2011-11-21

    The coupled nonlinear volatility and option pricing model presented recently by Ivancevic is investigated, which generates a leverage effect, i.e., stock volatility is (negatively) correlated to stock returns, and can be regarded as a coupled nonlinear wave alternative of the Black–Scholes option pricing model. In this Letter, we analytically propose vector financial rogue waves of the coupled nonlinear volatility and option pricing model without an embedded w-learning. Moreover, we exhibit their dynamical behaviors for chosen different parameters. The vector financial rogue wave (rogon) solutions may be used to describe the possible physical mechanisms for the rogue wave phenomena and to further excite the possibility of relative researches and potential applications of vector rogue waves in the financial markets and other related fields. -- Highlights: ► We investigate the coupled nonlinear volatility and option pricing model. ► We analytically present vector financial rogue waves. ► The vector financial rogue waves may be used to describe the extreme events in financial markets. ► This results may excite the relative researches and potential applications of vector rogue waves.

  11. Vector financial rogue waves

    International Nuclear Information System (INIS)

    The coupled nonlinear volatility and option pricing model presented recently by Ivancevic is investigated, which generates a leverage effect, i.e., stock volatility is (negatively) correlated to stock returns, and can be regarded as a coupled nonlinear wave alternative of the Black–Scholes option pricing model. In this Letter, we analytically propose vector financial rogue waves of the coupled nonlinear volatility and option pricing model without an embedded w-learning. Moreover, we exhibit their dynamical behaviors for chosen different parameters. The vector financial rogue wave (rogon) solutions may be used to describe the possible physical mechanisms for the rogue wave phenomena and to further excite the possibility of relative researches and potential applications of vector rogue waves in the financial markets and other related fields. -- Highlights: ► We investigate the coupled nonlinear volatility and option pricing model. ► We analytically present vector financial rogue waves. ► The vector financial rogue waves may be used to describe the extreme events in financial markets. ► This results may excite the relative researches and potential applications of vector rogue waves.

  12. Revisiting the financial crisis

    Institute of Scientific and Technical Information of China (English)

    黄明

    2009-01-01

    Recently,the media and commentators have saturated us with talk of the subprimeinduced financial debacle. Yet,some basic questions remain unanswered:why did almost all of the"market doorkeepers"fail to function in the crisis? Why did the financial intermediaries,such as investment banks selling complex derivatives,go under? Why did the crisis cause such far-reaching repercussions? What seed did U.S.Treasury Secretary Henry Paulson sow for the fiasco to rage globally? What does the future hold for financial regulation? In the face of the tempestuous"financial tsunami,"what lessons should China learn and how should the country develop a more secure capital market? Unlike other macroeconomists, Dr.Huang Ming proceeds from a micro perspective to sort out the financial mess along the logical chain within the capital market.In this interview,Dr.Huang presents a clear and unsettling look at the breakout,transmission and spreading path of the financial crisis

  13. Aid and Growth

    DEFF Research Database (Denmark)

    Arndt, Channing; Jones, Edward Samuel; Tarp, Finn

    The micro-macro paradox has been revived. Despite broadly positive evaluations at the micro and meso-levels, recent literature has turned decidedly pessimistic with respect to the ability of foreign aid to foster economic growth. Policy implications, such as the complete cessation of aid to Africa......, are being drawn on the basis of fragile evidence. This paper first assesses the aid-growth literature with a focus on recent contributions. The aid-growth literature is then framed, for the first time, in terms of the Rubin Causal Model, applied at the macroeconomic level. Our results show that aid has...... a positive and statistically significant causal effect on growth over the long run with point estimates at levels suggested by growth theory. We conclude that aid remains an important tool for enhancing the development prospects of poor nations....

  14. Aid Effectiveness on Growth

    DEFF Research Database (Denmark)

    Doucouliagos, Hristos; Paldam, Martin

    The AEL (aid effectiveness literature) is econo¬metric studies of the macroeconomic effects of development aid. It contains about 100 papers of which 68 are reduced form estimates of theeffect of aid on growth in the recipient country. The raw data show that growth is unconnected to aid......, but the AEL has put so much structure on the data that all results possible have emerged. The present meta study considers both the best-set of the 68 papers and the all-set of 543 regressions published. Both sets have a positive average aid-growth elasticity, but it is small and insignificant: The AEL has...... not established that aid works. Using meta-regression analysis it is shown that about 20 factors influence the results. Much of the variation between studies is an artifact and can be attributed to publication outlet, institu¬tional affiliation, and specification differences. However, some of the difference...

  15. The search for the key : aid, investment, and policies in Africa

    OpenAIRE

    Dollar, David; Easterly, William

    1999-01-01

    The authors'study of aid, investment, and policies in Africa leads them to four principal conclusions: 1) The traditional links between aid, investment, and growth are not robust. Aid does not necessarily finance investment and investment does not necessarily promote growth. 2) Differences in economic policies can explain much of the difference in growth performance. Poor quality of public services, closed trade regimes, financial repression, and macroeconomic mismanagement explain Africa's p...

  16. The Cost of Complexity in Federal Student Aid: Lessons from Optimal Tax Theory and Behavioral Economics

    OpenAIRE

    Susan M. Dynarski; Judith E. Scott-Clayton

    2006-01-01

    The federal system for distributing student financial aid rivals the tax code in its complexity. Both have been a source of frustration and a focus of reform efforts for decades, yet the complexity of the student aid system has received comparatively little attention from economists. We describe the complexity of the aid system, and apply lessons from optimal tax theory and behavioral economics to show that complexity is a serious obstacle to both efficiency and equity in the distribution of ...

  17. Radiographic imaging of aids

    CERN Document Server

    Mahmoud, M B

    2002-01-01

    The acquired immunodeficiency syndrome (AIDS) has impacted the civilized world like no other disease. This research aimed to discuss some of the main aids-related complications and their detection by radiology tests, specifically central nervous system and musculoskeletal system disorders. The objectives are: to show specific characteristics of various diseases of HIV patient, to analyze the effect of pathology in patients by radiology, to enhance the knowledge of technologists in aids imaging and to improve communication skills between patient and radiology technologists.

  18. Hearing Aids and Music

    OpenAIRE

    Chasin, Marshall; Russo, Frank A.

    2004-01-01

    Historically, the primary concern for hearing aid design and fitting is optimization for speech inputs. However, increasingly other types of inputs are being investigated and this is certainly the case for music. Whether the hearing aid wearer is a musician or merely someone who likes to listen to music, the electronic and electro-acoustic parameters described can be optimized for music as well as for speech. That is, a hearing aid optimally set for music can be optimally set for speech, even...

  19. AIDS: acquired immunodeficiency syndrome

    OpenAIRE

    Gilmore, N. J.; Beaulieu, R.; Steben, M.; Laverdière, M.

    2002-01-01

    Acquired immunodeficiency syndrome, or AIDS, is a new illness that occurs in previously healthy individuals. It is characterized by immunodeficiency, opportunistic infections and unusual malignant diseases. Life-threatening single or multiple infections with viruses, mycobacteria, fungi or protozoa are common. A rare neoplasm, Kaposi's sarcoma, has developed in approximately one third of patients with AIDS. More than 800 cases of AIDS have been reported in North America, over 24 of them in Ca...

  20. Financial Literacy and the Demand for Financial Advice

    OpenAIRE

    Riccardo Calcagno; Chiara Monticone

    2011-01-01

    The low level of financial literacy in many countries suggests that households are at risk of sub-optimal financial decisions. In this paper we assess to what extent financial advisors can substitute for such a lack of knowledge, by analyzing the effect of investors’ financial literacy on their decision about how much to rely on financial advisors. We model the strategic interaction between poorly informed investors and perfectly informed advisors facing conflicts of interest. We find that mo...

  1. Framework for financial ratio analysis of audited federal financial reports

    OpenAIRE

    Brady, Richard T.

    1999-01-01

    Federal agencies have traditionally prepared financial reports to monitor and report the obligation and expenditure of federal funding. With the passage of the Chief Financial Officers Act of 1990, Congress called for the production of financial statements that fully disclose a federal entity's financial position and results of operations. The disclosure of this type of information, it was believed, would enable decision-makers to understand the financial implications of budgetary, policy and...

  2. Financial literacy, financial behaviour and individuals' over-indebtedness

    OpenAIRE

    Santos, Elisabete; Abreu, Margarida

    2013-01-01

    This work analyses the impact of financial literacy and financial behaviour of individuals on the likelihood of over-indebtedness, controlling for socioeconomic factors, the type of mortgage and the event of a negative income shock. Using the data from the 2009 National Financial Capability Study of the United States, we consider three self-reported measures of over-indebtedness: financial distress, arrears and foreclosure. Using the data from the National Financial Capability Study carried o...

  3. Aid, growth, and development

    DEFF Research Database (Denmark)

    Arndt, Channing; Jones, Edward Samuel; Tarp, Finn

    2010-01-01

    The micro-macro paradox has been revived. Despite broadly positive evaluations at the micro- and meso-levels, recent literature doubts the ability of foreign aid to foster economic growth and development. This paper assesses the aid-growth literature and, taking inspiration from the program...... evaluation literature, we re-examine key hypotheses. In our findings, aid has a positive and statistically significant causal effect on growth over the long run, with confidence intervals conforming to levels suggested by growth theory. Aid remains a key tool for enhancing the development prospects of poor...

  4. Music and hearing aids.

    Science.gov (United States)

    Madsen, Sara M K; Moore, Brian C J

    2014-01-01

    The signal processing and fitting methods used for hearing aids have mainly been designed to optimize the intelligibility of speech. Little attention has been paid to the effectiveness of hearing aids for listening to music. Perhaps as a consequence, many hearing-aid users complain that they are not satisfied with their hearing aids when listening to music. This issue inspired the Internet-based survey presented here. The survey was designed to identify the nature and prevalence of problems associated with listening to live and reproduced music with hearing aids. Responses from 523 hearing-aid users to 21 multiple-choice questions are presented and analyzed, and the relationships between responses to questions regarding music and questions concerned with information about the respondents, their hearing aids, and their hearing loss are described. Large proportions of the respondents reported that they found their hearing aids to be helpful for listening to both live and reproduced music, although less so for the former. The survey also identified problems such as distortion, acoustic feedback, insufficient or excessive gain, unbalanced frequency response, and reduced tone quality. The results indicate that the enjoyment of listening to music with hearing aids could be improved by an increase of the input and output dynamic range, extension of the low-frequency response, and improvement of feedback cancellation and automatic gain control systems. PMID:25361601

  5. Music and Hearing Aids

    Directory of Open Access Journals (Sweden)

    Sara M. K. Madsen

    2014-10-01

    Full Text Available The signal processing and fitting methods used for hearing aids have mainly been designed to optimize the intelligibility of speech. Little attention has been paid to the effectiveness of hearing aids for listening to music. Perhaps as a consequence, many hearing-aid users complain that they are not satisfied with their hearing aids when listening to music. This issue inspired the Internet-based survey presented here. The survey was designed to identify the nature and prevalence of problems associated with listening to live and reproduced music with hearing aids. Responses from 523 hearing-aid users to 21 multiple-choice questions are presented and analyzed, and the relationships between responses to questions regarding music and questions concerned with information about the respondents, their hearing aids, and their hearing loss are described. Large proportions of the respondents reported that they found their hearing aids to be helpful for listening to both live and reproduced music, although less so for the former. The survey also identified problems such as distortion, acoustic feedback, insufficient or excessive gain, unbalanced frequency response, and reduced tone quality. The results indicate that the enjoyment of listening to music with hearing aids could be improved by an increase of the input and output dynamic range, extension of the low-frequency response, and improvement of feedback cancellation and automatic gain control systems.

  6. HIV / AIDS Network.

    Science.gov (United States)

    1995-01-01

    The HIV/AIDS Network and the Philippines Department of Health (DOH) collaborated to produce the AIDS Candlelight Memorial at the Philippine International Convention Center (PICC), May 1995, and World AIDS Day activities on December 1, 1995. After the memorial, a fashion show, "Body Shots," provided a channel for information on acquired immunodeficiency syndrome (AIDS). On World AIDS Day, at the request of DOH, the Network provided speakers who lectured on human immunodeficiency virus (HIV) and AIDS in different government offices. Prior to World AIDS Day, the Network focused on strengthening its cohesiveness and building the capabilities of its member organizations through lectures and symposia during November. Network activities were coordinated by the Remedios AIDS Foundation with support from the other members of the Coordinating Council: Health Action Information Network (HAIN); Caritas; Kabalikat, Stop Trafficking of Pilopinos Foundation, Inc. (STOP);and the Library Foundation (TLF). The Coordinating Council elected for 1996 includes the Remedios AIDS Foundation, HAIN, Caritas, TLF, STOP, the Foundation for Adolescent Development (FAD), and the Salvation Army. PMID:12291699

  7. Music and hearing aids.

    Science.gov (United States)

    Madsen, Sara M K; Moore, Brian C J

    2014-10-31

    The signal processing and fitting methods used for hearing aids have mainly been designed to optimize the intelligibility of speech. Little attention has been paid to the effectiveness of hearing aids for listening to music. Perhaps as a consequence, many hearing-aid users complain that they are not satisfied with their hearing aids when listening to music. This issue inspired the Internet-based survey presented here. The survey was designed to identify the nature and prevalence of problems associated with listening to live and reproduced music with hearing aids. Responses from 523 hearing-aid users to 21 multiple-choice questions are presented and analyzed, and the relationships between responses to questions regarding music and questions concerned with information about the respondents, their hearing aids, and their hearing loss are described. Large proportions of the respondents reported that they found their hearing aids to be helpful for listening to both live and reproduced music, although less so for the former. The survey also identified problems such as distortion, acoustic feedback, insufficient or excessive gain, unbalanced frequency response, and reduced tone quality. The results indicate that the enjoyment of listening to music with hearing aids could be improved by an increase of the input and output dynamic range, extension of the low-frequency response, and improvement of feedback cancellation and automatic gain control systems.

  8. Sri Lanka - Financial Sector Assessment

    OpenAIRE

    World Bank

    2008-01-01

    This Financial Sector Assessment (FSA) is based on the work of the joint World Bank and IMF Financial Sector Assessment Program (FSAP) update team that visited Sri Lanka between June 20 and July 3, 2007. The principal objectives of the FSAP Update were to: (i) assess developments in the financial sector and progress in strengthening financial sector regulation since 2002; and (ii) identify...

  9. AIDS is your business.

    Science.gov (United States)

    Rosen, Sydney; Simon, Jonathon; Vincent, Jeffrey R; MacLeod, William; Fox, Matthew; Thea, Donald M

    2003-02-01

    If your company operates in a developing country, AIDS is your business. While Africa has received the most attention, AIDS is also spreading swiftly in other parts of the world. Russia and Ukraine had the fastest-growing epidemics last year, and many experts believe China and India will suffer the next tidal wave of infection. Why should executives be concerned about AIDS? Because it is destroying the twin rationales of globalization strategy-cheap labor and fast-growing markets--in countries where people are heavily affected by the epidemic. Fortunately, investments in programs that prevent infection and provide treatment for employees who have HIV/AIDS are profitable for many businesses--that is, they lead to savings that outweigh the programs' costs. Due to the long latency period between HIV infection and the onset of AIDS symptoms, a company is not likely to see any of the costs of HIV/AIDS until five to ten years after an employee is infected. But executives can calculate the present value of epidemic-related costs by using the discount rate to weigh each cost according to its expected timing. That allows companies to think about expenses on HIV/AIDS prevention and treatment programs as investments rather than merely as costs. The authors found that the annual cost of AIDS to six corporations in South Africa and Botswana ranged from 0.4% to 5.9% of the wage bill. All six companies would have earned positive returns on their investments if they had provided employees with free treatment for HIV/AIDS in the form of highly active antiretroviral therapy (HAART), according to the mathematical model the authors used. The annual reduction in the AIDS "tax" would have been as much as 40.4%. The authors' conclusion? Fighting AIDS not only helps those infected; it also makes good business sense. PMID:12577655

  10. Financial information processing and development of emerging financial markets

    Institute of Scientific and Technical Information of China (English)

    Shuo BAI; Shouyang WANG; Lean YU; Aoying ZHOU

    2010-01-01

    @@ With the rapid development and globalization of financial markets (especially emerging financial markets), financial information processing has become a hot research area due to its immense practical applications. Such applications include stock market analysis, foreign exchange rate forecasting, option pricing, bank failure prediction, financial risk management, credit rating and scoring, bank loan management, customer relationship management, and antimoney laundering. Accordingly, there has been an increasing demand in using financial information processing techniques for many core financial tasks. Nevertheless, as a new cross-disciplinary field, the existing financial information processing methods are far from practical for scenarios in the global financial market; it is currently not clear how the information processing techniques, which are rapidly emerging, can be used to improve the quality of financial information processing.

  11. Financial Economy and Financial System: Basis of Structural Interconnection

    Directory of Open Access Journals (Sweden)

    Khorosheva Olena I.

    2014-02-01

    Full Text Available The goal of the article lies in identification of grounds of interconnection of the financial economy and financial system. The study was conducted with consideration of main provisions of the theory of finance and concept of financial economy, which is a set of means used in the process of reproduction of finance by their owner for formation and / or maintenance of the own system of values in the viable state. For the first time ever the structure of the financial system is identified as an aggregate of financial economies and financial market. The article justifies a necessity of expansion of boundaries of perception of the state financial economy, which is offered to include public financial economy of the state level and the set of financial economies of the state as a subject of economic activity. Such an approach forms a base for justification of the synthesis of participation of the state in financial relations as the owner and as the basic macro-economic regulator. Prospects of further study in this direction are: development of classification of financial economies; revelation of specific features of impact of shadow finance on development of the national financial economy; and assessment of possibilities of inclusion of structured financial products into the system of values of financial economies in Ukraine.

  12. On financial innovation

    Directory of Open Access Journals (Sweden)

    G. VACIAGO

    2013-12-01

    Full Text Available In recent years, in all countries - albeit to varying degrees - many changes have taken place in the financial structure which have accompanied the development of new instruments, markets and financial intermediaries. A growing literature describes and analyses these changes, generically grouped together under the label of "financial innovation". In order to clarify the costs and benefits of what is meant by financial innovation, it is necessary to jointly examine both its causes and its effects. To this end, it is first necessary to consider some very general questions that thus far have yet to be answered in any certain or unambiguous way, if they have been considered in the scientific literature at all. The present work examines the current state of the theory of financial innovation, to then illustrate the main features of the innovation process currently taking place. This leads to some considerations on the resulting implications for the modus operandi of monetary policy and, more generally, for the definition of this policy’s transmission mechanisms.

  13. AIDS Epidemiological models

    Science.gov (United States)

    Rahmani, Fouad Lazhar

    2010-11-01

    The aim of this paper is to present mathematical modelling of the spread of infection in the context of the transmission of the human immunodeficiency virus (HIV) and the acquired immune deficiency syndrome (AIDS). These models are based in part on the models suggested in the field of th AIDS mathematical modelling as reported by ISHAM [6].

  14. AIDS as Metaphor.

    Science.gov (United States)

    McMillen, Liz

    1994-01-01

    Scholarly interest in Acquired Immune Deficiency Syndrome (AIDS) has spread throughout the humanities, attracting the attention of historians of medicine, political scientists, sociologists, public health scholars, and anthropologists. Most theorists hope their research will aid in policymaking or change understanding of the epidemic. (MSE)

  15. [Oral hygiene aids].

    Science.gov (United States)

    Hovius, M; Leemans, G J

    1994-05-01

    Different dental hygiene aids are discussed, such as floss, tape, superfloss, gauze, flat shoelace, toothpick, interproximal brush, single-tufted brush, electric toothbrush, manual toothbrush and oral irrigation. Research shows that not one specific aid is superior to another if effectiveness is taken into consideration. Other factors which can influence oral hygiene efficacy are discussed as well. PMID:11830968

  16. AIDS and Chemical Dependency.

    Science.gov (United States)

    Pohl, Melvin I.

    After defining HIV and the AIDS disease and outlining symptoms and means of infection, this fact sheet lists the ways alcohol and drugs are involved with the AIDS epidemic, noting that needle-sharing transmits the virus; that alcohol or mood-altering drugs like crack cocaine cause disinhibition, increase sex drive, encourage sex for drugs, and…

  17. Changing epidemiology of AIDS.

    OpenAIRE

    Donovan, C. A.; Stratton, E.

    1994-01-01

    It has been 15 years since AIDS made its first appearance in North America, probably longer worldwide. In that time, our knowledge of the epidemiology of AIDS has grown and changed. This review highlights significant aspects of the epidemic with particular emphasis on the evolution of this disease in North America.

  18. The Aid Effectiveness Literature

    DEFF Research Database (Denmark)

    Doucouliagos, Hristos; Paldam, Martin

    The AEL consists of empirical macro studies of the effects of development aid. At the end of 2004 it had reached 97 studies of three families, which we have summarized in one study each using meta-analysis. Studies of the effect on investments show that they rise by 1/3 of the aid – the rest is c...

  19. Aid and Income

    DEFF Research Database (Denmark)

    Lof, Matthijs; Mekasha, Tseday Jemaneh; Tarp, Finn

    2015-01-01

    to nonrandom omission of a large proportion of observations. Furthermore, we show that NDHKM’s use of co-integrated regressions is not a suitable empirical strategy for estimating the causal effect of aid on income. Evidence from a Panel VAR model estimated on the dataset of NDHKM, suggests a positive...... and statistically significant long-run effect of aid on income....

  20. Genetic Immunity to AIDS

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    In an article on genetic immunity to AIDS published in Science magazine, American and Chinese scientists claim to have discovered why certain HIV carriers do not develop full-blown AIDS. They say that the key to this conundrum lies in a particular protein in the endocrine system that inhibits development of HIV.

  1. Hearing aid and Noise

    OpenAIRE

    Ahmad Reza Nazeri

    1999-01-01

    Prescription of hearing aid is an extensive special category of knowledge in the field of audiology. This article is aimed at discussing the function of hearing aid and also management of patients in the noisy environments and presenting solutions to overcome problems regarding to this issue along with taking a look to the equipments prepared nowadays to cope with noisy situations.

  2. Implementing AIDS Education

    Directory of Open Access Journals (Sweden)

    Grace C. Huerta

    1996-08-01

    Full Text Available The world has been challenged by the AIDS epidemic for 15 years. In 1985, the U.S. Department of Health and Human Services, Centers for Disease Control, allocated funds to all state departments of education to assist schools in the development of AIDS education policies and programs. Yet, these policies do not ensure that all students receive effective AIDS education. On September 21, 1991, the Arizona Legislature passed Senate Bill 1396, which requires public schools to annually provide AIDS education in grades K-12. The bill was rescinded in 1995. With prohibitive curriculum guidelines, limited teacher training opportunities and tremendous instructional demands, this educational policy was implemented in disparate forms. By examining the perspectives of the Arizona educators (representing three school districts, this qualitative study reveals how teachers ultimately controlled the delivery and nature of AIDS instruction based upon personal values, views of teacher roles, and their interpretation of the mandate itself.

  3. Vector financial rogue waves

    Science.gov (United States)

    Yan, Zhenya

    2011-11-01

    The coupled nonlinear volatility and option pricing model presented recently by Ivancevic is investigated, which generates a leverage effect, i.e., stock volatility is (negatively) correlated to stock returns, and can be regarded as a coupled nonlinear wave alternative of the Black-Scholes option pricing model. In this Letter, we analytically propose vector financial rogue waves of the coupled nonlinear volatility and option pricing model without an embedded w-learning. Moreover, we exhibit their dynamical behaviors for chosen different parameters. The vector financial rogue wave (rogon) solutions may be used to describe the possible physical mechanisms for the rogue wave phenomena and to further excite the possibility of relative researches and potential applications of vector rogue waves in the financial markets and other related fields.

  4. ISSUERS OF FINANCIAL INSTRUMENTS

    Directory of Open Access Journals (Sweden)

    Cristian GHEORGHE

    2016-05-01

    Full Text Available The rules laid down by Romanian Capital Market Law and the regulations put in force for its implementation apply to issuers of financial instruments admitted to trading on the regulated market established in Romania. But the issuers remain companies incorporated under Company Law of 1990. Such dual regulations need increased attention in order to observe the legal status of the issuers/companies and financial instruments/shares. Romanian legislator has chosen to implement in Capital Market Law special rules regarding the administration of the issuers of financial instruments, not only rules regarding admitting and maintaining to a regulated market. Thus issuers are, in Romanian Law perspective, special company that should comply special rule regarding board of administration and general shareholders meeting.

  5. Turbocharging the Financial Markets

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Introduction of new financial instruments may not put China’s markets in the fast lane just yet, a market analyst warns China has introduced new sources of leverage into the financial system, which will enable participants to have "new opportunities both to hedge their bets and lever them up using futures, options and margin trading," according to Mark A DeWeaver, a research analyst in Shenzhen who now manages a fund investing in Asian equities called Quantrarian Asia Hedge. He compares these measures to "turbocharging a car," which he says can damage it if the engine’s basic structure cannot handle the pressure. His main ideas follow:

  6. FINANCIAL DIAGNOSIS OF STOCKS

    OpenAIRE

    SUCIU GHEORGHE; BÂRSAN PIPU-NICOLAE

    2014-01-01

    Financial diagnosis is a part of a company’s general diagnosis. The role of the financial diagnosis is to establish the situation of the company at a given time, to see if it is viable, to help the decision-makers to take the best measures to continue or cease the activity, or to sell, buy or liquidate the company. Each entity is unique and arbitrarily applying some analysis models used by other companies can lead to significant errors. One cannot analyze in the same way a company th...

  7. Collaborative financial infrastructure protection

    CERN Document Server

    Baldoni, Roberto

    2012-01-01

    The Critical Infrastructure Protection Survey recently released by Symantec found that 53% of interviewed IT security experts from international companies experienced at least ten cyber attacks in the last five years, and financial institutions were often subject to some of the most sophisticated and large-scale cyber attacks and frauds. The book by Baldoni and Chockler analyzes the structure of software infrastructures found in the financial domain, their vulnerabilities to cyber attacks and the existing protection mechanisms. It then shows the advantages of sharing information among financia

  8. FINANCIAL AUDIT MANAGEMENT

    OpenAIRE

    Ana PISLEAG

    2009-01-01

    Financial audit expresses, as its main aim, an opinion on the extent to which the financial statements present a true and fair view of the entity’s economic affairs at the balance sheet date and the results for the year ended, in compliance with the laws in force and practices in the country where the entity is established. To achieve this objective, the audit process requires an examination management and methodology to ensure an independent opinion, so as to equally protect all the users of...

  9. Research Report: HIV/AIDS

    Science.gov (United States)

    ... Reports » HIV/AIDS » Letter from the Director HIV/AIDS Email Facebook Twitter Letter from the Director Human ... the virus that causes acquired immune deficiency syndrome (AIDS) — has been with us for three decades now. ...

  10. HIV/AIDS and Alcohol

    Science.gov (United States)

    ... Psychiatric Disorders Other Substance Abuse HIV/AIDS HIV/AIDS Human immunodeficiency virus (HIV) targets the body’s immune ... and often leads to acquired immune deficiency syndrome (AIDS). Each year in the United States, between 55, ...

  11. HIV, AIDS, and the Future

    Science.gov (United States)

    Skip Navigation Bar Home Current Issue Past Issues HIV / AIDS HIV, AIDS, and the Future Past Issues / Summer 2009 ... turn Javascript on. Photo: The NAMES Project Foundation HIV and AIDS are a global catastrophe. While advances ...

  12. HIV/AIDS: Women's Health

    Science.gov (United States)

    ... Hospitalization and Palliative Care Friends & Family Dating and Marriage Family Planning Mixed-Status Couples Discrimination Legal Issues ... National HIV/AIDS and Aging Awareness Day National Gay Men's HIV/AIDS Awareness Day National Latino AIDS ...

  13. What Is HIV/AIDS?

    Science.gov (United States)

    ... Hospitalization and Palliative Care Friends & Family Dating and Marriage Family Planning Mixed-Status Couples Discrimination Legal Issues ... National HIV/AIDS and Aging Awareness Day National Gay Men's HIV/AIDS Awareness Day National Latino AIDS ...

  14. HIV/AIDS and Vaccines

    Science.gov (United States)

    ... Hospitalization and Palliative Care Friends & Family Dating and Marriage Family Planning Mixed-Status Couples Discrimination Legal Issues ... National HIV/AIDS and Aging Awareness Day National Gay Men's HIV/AIDS Awareness Day National Latino AIDS ...

  15. Hearing Aid and children

    Directory of Open Access Journals (Sweden)

    Jamileh Fatahi

    2002-07-01

    Full Text Available In order to develop oral communication, hearing impaired infants and young children must be able to hear speech comfortably and consistently. To day children with all degrees of hearing loss may be condidates for some kinds of amlification. As children differ from adults, many Factors should be consider in hearing aid selection, evaluation and fitting. For example the child age when he or she is candidate for custom instruments? Do we consider programmable Hearing aid? Are multi memory instruments appropriate for them? What about directional microphones? What style of hearing aid do we select? In this paper such questions are Answered.

  16. Aid and Growth

    DEFF Research Database (Denmark)

    Mekasha, Tseday Jemaneh; Tarp, Finn

    Some recent literature in the meta-analysis category where results from a range of studies are brought together throws doubt on the ability of foreign aid to foster economic growth and development. This paper assesses what meta-analysis has to say about the effectiveness of foreign aid in terms...... of the growth impact. We re-examine key hypotheses, and find that the effect of aid on growth is positive and statistically significant. This significant effect is genuine, and not an artefact of publication selection. We also show why our results differ from those published elsewhere....

  17. Aid and Growth

    DEFF Research Database (Denmark)

    Tarp, Finn; Mekasha, Tseday Jemaneh

    2013-01-01

    Recent litterature in the meta-analysis category where results from a range of studies are brought together throws doubt on the ability of foreign aid to foster economic growth and development. This article assesses what meta-analysis has to contribute to the litterature on the effectiveness...... of foreign aid in terms of growth impact. We re-examine key hypotheses, and find that the effect of aid on growth is positive and statistically significant. This significant effect is genuine, and not an artefact of publication selection. We also show why our results differ from those published elsewhere....

  18. Aid and sectoral growth

    DEFF Research Database (Denmark)

    Selaya, Pablo; Thiele, Rainer

    2010-01-01

    This article examines empirically the proposition that aid to poor countries is detrimental for external competitiveness, giving rise to Dutch disease type effects. At the aggregate level, aid is found to have a positive effect on growth. A sectoral decomposition shows that the effect is (i......) significant and positive in the tradable and the nontradable sectors, and (ii) equally strong in both sectors. The article thus provides no empirical support for the hypothesis that aid reduces external competitiveness in developing countries. A possible reason for this finding is the existence of large idle...

  19. Aid Supplies Over Time

    DEFF Research Database (Denmark)

    Jones, Edward Samuel

    2015-01-01

    What determines how much foreign aid donors provide? Existing answers to this question point to a complex range of influences. However, the tasks of distinguishing between long- and short-run factors, as well as differences between donors, have not been adequately addressed. Taking advantage...... of data spanning nearly 50 years, this paper uses panel cointegration techniques to consider these issues. The analysis provides clear evidence for heterogeneity both between donors and over time, bandwagon effects, and a growing influence of security considerations in aid provision. Domestic...... macroeconomic shocks have a moderate but delayed effect on aid disbursements....

  20. Pulmonary complications of AIDS: radiologic features. [AIDS

    Energy Technology Data Exchange (ETDEWEB)

    Cohen, B.A.; Pomeranz, S.; Rabinowitz, J.G.; Rosen, M.J.; Train, J.S.; Norton, K.I.; Mendelson, D.S.

    1984-07-01

    Fifty-two patients with pulmonary complications of acquired immunodeficiency syndrome (AIDS) were studied over a 3-year period. The vast majority of the patients were homosexual; however, a significant number were intravenous drug abusers. Thirteen different organisms were noted, of which Pneumocystis carinii was by far the most common. Five patients had neoplasia. Most patients had initial abnormal chest films; however, eight patients subsequently shown to have Pneumocystis carinii pneumonia had normal chest films. A significant overlap in chest radiographic findings was noted among patients with different or multiple organisms. Lung biopsy should be an early consideration for all patients with a clinical history consistent with the pulmonary complications of AIDS. Of the 52 patients, 41 had died by the time this report was completed.

  1. Coping with Financial Distress

    Science.gov (United States)

    Chabotar, Kent John

    2007-01-01

    Colleges and universities, like corporations and other nonprofit organizations, are subject to periodic fluctuations in the economy and public support. Thus, the question is not whether they will confront financial problems but rather when and how. This article describes how institutions and boards can detect budgets in crisis, provides principles…

  2. Financial Giffen Goods

    DEFF Research Database (Denmark)

    Poulsen, Rolf; Rasmussen, Kourosh Marjani

    2008-01-01

    In the basic Markowitz and Merton models, a stock’s weight in efficient portfolios goes up if its expected rate of return goes up. Put differently, there are no financial Giffen goods. By an example from mortgage choice we illustrate that for more complicated portfolio problems Giffen effects do...

  3. Financial Sector Assessment

    OpenAIRE

    World Bank; International Monetary Fund

    2016-01-01

    The Montenegrin economy has yet to recover from the collapse of the lending boom in 2008. The financial crisis hit asset quality, weakening banks’ portfolios. The legacy of pre-crisis rapid increase in indebtedness is adding to banking sector vulnerabilities. The crisis triggered a prolonged period of balance sheet deleveraging, which has translated into a near uninterrupted credit contrac...

  4. L'archipel financier

    Directory of Open Access Journals (Sweden)

    Christian MILELLI

    1987-03-01

    Full Text Available Un nouveau système financier, à la fois concentré et autonome, se met en place. Ses «lieux sacrés» sont cartographiés: «centres universels» majeurs (2 ou 3, centres régionaux, centres «spécialisés» en archipel.

  5. New Financial Models.

    Science.gov (United States)

    Taylor, Michael G.

    1991-01-01

    This report synthesizes experiences in a number of countries (United Kingdom, Netherlands, Germany, Australia, Japan) on the market economy in higher education. Considered are market forces, various financial structures (institutional budgets, student funding, research infrastructure, other income, staffing), and implications for the future. (MSE)

  6. Increasing Financial Security

    Science.gov (United States)

    Kiss, Elizabeth

    2006-01-01

    Earning, spending, saving and investing, and using credit are important aspects of money management that teens need to understand as they move into adulthood. Family and consumer sciences (FCS) professionals have a long history of addressing this important life skill. This brief article describes the High School Financial Planning Program (HSFPP),…

  7. A Financial Marriage

    Institute of Scientific and Technical Information of China (English)

    LAN XINZHEN

    2010-01-01

    @@ Love is in the air as financial church bells ring,ushering in a bonding between CITIC Securities Co.Ltd.land Crédit Agricole S.A.(CASA).The Chinese company and the French bank are planning to establish a global investment bank and strategic brokerage alliance,said a memorandum of understanding signed by the two sides on May 3.

  8. International Financial Reporting Standards

    DEFF Research Database (Denmark)

    Pontoppidan, Caroline Aggestam

    2011-01-01

    The advance of International Financial Reporting Standards (IFRS) across the globe has accelerated over the last few years. This is placing increasing demands on educators to respond to these changes by an increased focus on IFRS in the curricula of accounting students. This paper reviews a range...

  9. Financial Derivatives in China

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Francis Repka sees bright prospects for the future development of the financial derivatives market in China. Repka,Vice President of the Asian Bond Finance Department of Societe Generale, says the situation in France just after the birth of derivatives was very similar to the situation in China today.

  10. Fighting the Financial Crisis

    DEFF Research Database (Denmark)

    Hull Kristensen, Peer

    2015-01-01

    within the EU institutions as well as among the international financial institutions such as the IMF and the World Bank, that a period of austerity and fiscal consolidation was the required remedy, even though this was likely to be pro-cyclical in its effects. However, the paper shows that alternative...

  11. Financial Research on Africa: A Financial Theory Perspective

    OpenAIRE

    Anthony Saunders; Lemma W. Senbet

    1992-01-01

    This paper overviews the major problems confronting African Financial systems and sketches a wide range of issues for future research. The framework of modern financial theory is utilized in analyzing the characteristics of African financial systems. The framework begins with an idealized market system as a benchmark and introduces various classes of market imperfections and agency problems arising from conflicting interests among stakeholders in a financial economy, including the public sect...

  12. Financial Crisis, Financial Integration and Economic Growth: The European Case

    OpenAIRE

    Maudos Villarroya Joaquín; Fernández de Guevara Radoselovics Juan

    2010-01-01

    The aim of the paper is to analyze the process of financial integration in Europe and its impact on economic growth since the introduction of the Euro in 1999. In particular, we focus on how the international financial crisis that started in 2007 has affected integration and growth. By combining information at country, sector and firm level, we quantify the effect of financial integration on financial development and therefore on economic growth. Our results illustrate that a significant part...

  13. Financial Planners: Educating Widows in Personal Financial Planning

    Science.gov (United States)

    Korb, Brian R.

    2010-01-01

    Widows constitute a growing segment of the U.S. population; however, very little has been done to educate them on the basics of personal financial planning. The creation and implementation of financial planning education programs for widows can help them become more financially literate and free them from anxiety and fear. Interviews with eight…

  14. Financial Stress and Financial Counseling: Helping College Students

    Science.gov (United States)

    Britt, Sonya L.; Canale, Anthony; Fernatt, Fred; Stutz, Kristen; Tibbetts, Racquel

    2015-01-01

    This study had two distinct purposes. First, to determine the predictors of financial stress among college students who sought free peer-based financial counseling from a large Midwestern university (N = 675). Secondly, to determine the effectiveness of the particular financial counseling center from a subsample of those who sought help (N = 97).…

  15. Inmate Perceptions of Financial Education Needs: Suggestions for Financial Educators

    Science.gov (United States)

    Call, Lindsay Larson; Dyer, W. Justin; Wiley, Angela R.; Day, Randal D.

    2013-01-01

    Recently, national attention has turned to the need for increased financial education, particularly for low-income populations. Incarcerated individuals represent a growing low-income group with unique needs that could likely benefit from financial education. However, few studies have examined the specific financial education needs of inmates,…

  16. Workplace Financial Education Facilitates Improvement in Personal Financial Behaviors

    Science.gov (United States)

    Prawitz, Aimee D.; Cohart, Judith

    2014-01-01

    Based on the life-cycle theory of consumption, this quasi-experimental study of 995 employees examined changes in financial behaviors following employee-needs-driven workplace financial education. Repeated-measures ANOVA compared participants and non-participants on perceived financial wellness and savings ratios; main effects indicated that both…

  17. The Nexus of Financial Inclusion and Financial Stability

    OpenAIRE

    Cihak, Martin; Mare, Davide S.; Melecky, Martin

    2016-01-01

    Policy makers and regulators have devoted much effort to reforms aimed at improving financial stability in response to lessons from the 2007-09 crisis. At the same time, much effort has also been directed to promoting greater financial inclusion as an enabler of equal opportunity. To some extent, these endeavors have been exerted in silos, neglecting the possibility that financial inclusio...

  18. FINANCIAL INFORMATION, EFFECTS OF FINANCIAL INFORMATION ON ECONOMIC DECISION

    Directory of Open Access Journals (Sweden)

    TAK ISA

    2010-12-01

    Full Text Available Financial information has, indisputably, an important effect in economics. To form an effective capital market, financial information must be reliable and accurate. Misleading financial information always has a negative impact on economic decision taken by users. It is known that financial information as the cornerstone of financial markets, can improve economic performance in several ways. Nowadays we are facing economic crisis due to irregularities of presentation of financial statements to users. Misunderstandings cause economic recession. Detection of fraudulent financial information, is an important issue facing the auditing profession. Currently, bankruptcy of companies around the world, leaves millions of people without jobs, this is caused by financial information which is manipulated by companies. The purpose of this paper is to analyze the effects of errors and manipulation committed in the financial information sector on the real economy. Also one of the purposes of this paper is to analyze error and fraud in financial statements how it effects the real economy and the reasons for committing fraud in financial statements. Also, several suggestions are included in this study about actions that can be taken to prevent errors and manipulation in financial information.

  19. Buying a Hearing Aid

    Science.gov (United States)

    ... Treatments & Cures Buying a Hearing Aid Cancer Treatment Scams Cancer Treatment Scams CURE-ious Bookmark Direct-to-Consumer Genetic Tests ... Money Privacy, Identity & Online Security Blog Video & Media Scam Alerts Get health and fitness updates by email ...

  20. HIV/AIDS

    Science.gov (United States)

    HIV stands for human immunodeficiency virus. It harms your immune system by destroying the white blood cells ... It is the final stage of infection with HIV. Not everyone with HIV develops AIDS. HIV most ...

  1. World AIDS Day 1998.

    Science.gov (United States)

    1999-01-01

    Excerpts of speeches given at a public rally on World AIDS Day 1998 underscore the need to energize support for those living with HIV/AIDS, emphasize the importance of increasing public education efforts, and memorialize those lost to the disease. Reverend Pat Bumgardner stressed the need to educate children about practicing safe sex and the dangers of drug use. He also focused attention on AIDS as a worldwide crisis, with the 30 million people who have HIV or AIDS. Councilwoman Margarita Lopez spoke about achieving objectives and securing resources through activism. She also condemned New York City's Mayor for trying to hinder the rally. Anne Chelimsky, who did not speak at the rally but attended it, reflected on her new role as an activist, and on how the rally affected her. PMID:11367196

  2. AidData

    Data.gov (United States)

    US Agency for International Development — AidData is a research and innovation lab making information on development finance more accessible and actionable. Tracking more than $6 trillion dollars from 90+...

  3. For a Better Financial Order

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    Chinese leaders and scholars suggest reforms to strengthen the international financial system As the international financial crisis plunges many countries into economic turmoil, China’s relatively stable economic growth is reassuring to the

  4. Financial Management: An Organic Approach

    Science.gov (United States)

    Laux, Judy

    2013-01-01

    Although textbooks present corporate finance using a topical approach, good financial management requires an organic approach that integrates the various assignments financial managers confront every day. Breaking the tasks into meaningful subcategories, the current article offers one approach.

  5. Financial Literacy Education for Women

    Science.gov (United States)

    Jarecke, Jodi; Taylor, Edward W.; Hira, Tahira K.

    2014-01-01

    Exploring the pedagogical approaches of four women's financial literacy education programs, this chapter provides an overview of trends and needs in financial education for women and offers pedagogical strategies for teaching women about finance.

  6. Understanding Trust in Financial Services

    DEFF Research Database (Denmark)

    Hansen, Torben

    2012-01-01

    Although the financial crisis has elevated the interest for factors such as consumer financial healthiness, broad-scope trust, financial knowledge, and consumer relationship satisfaction, no existing model describes how these factors may influence consumer financial relationship trust....... This research extends prior research by developing a conceptual framework explaining how these constructs affect consumers' trust in their financial service provider. Based on two surveys comprising 764 pension consumers and 892 mortgage consumers, respectively, the results of this study indicate that financial...... healthiness, broad-scope trust, knowledge, and satisfaction positively affect narrow-scope trust in financial services. Furthermore, it is found that broad-scope trust negatively moderates the relationships between financial healthiness and narrow-scope trust and between satisfaction and narrow-scope trust...

  7. Radiology applications of financial accounting.

    Science.gov (United States)

    Leibenhaut, Mark H

    2005-03-01

    A basic knowledge of financial accounting can help radiologists analyze business opportunities and examine the potential impacts of new technology or predict the adverse consequences of new competitors entering their service area. The income statement, balance sheet, and cash flow statement are the three basic financial statements that document the current financial position of the radiology practice and allow managers to monitor the ongoing financial operations of the enterprise. Pro forma, or hypothetical, financial statements can be generated to predict the financial impact of specific business decisions or investments on the profitability of the practice. Sensitivity analysis, or what-if scenarios, can be performed to determine the potential impact of changing key revenue, investment, operating cost or financial assumptions. By viewing radiology as both a profession and a business, radiologists can optimize their use of scarce economic resources and maximize the return on their financial investments. PMID:17411807

  8. Chagas' disease and AIDS

    OpenAIRE

    Vaidian, Anil K; Louis M Weiss; Tanowitz, Herbert B.

    2004-01-01

    Chagas' disease caused by Trypanosoma cruzi is an opportunistic infection in the setting of HIV/AIDS. Some individuals with HIV and chronic T. cruzi infection may experience a reactivation, which is most commonly manifested by meningoencephalitis. A reactivation myocarditis is the second most common manifestation. These presentations may be difficult to distinguish from toxoplasmosis in individuals with HIV/AIDS. The overlap of HIV and Trypanosoma cruzi infection occurs not only in endemic ar...

  9. Hearing aid adjustment

    DEFF Research Database (Denmark)

    Heinemann, Trine; Matthews, Ben; Raudaskoski, Pirkko Liisa

    2012-01-01

    to the interaction during hearing aid fitting. This report of a Danish pilot study describes two such problems. The first problem arises from the requirement that the audiologist needs to ‘translate’ the patient’s subjective hearing description for making technological decisions. The second problem is the way...... in which the hearing aid user’s implicit and often unrealistic expectations are handled. This kind of research has potential application for developing a model of best practices....

  10. World AIDS Day 2004

    Institute of Scientific and Technical Information of China (English)

    CynthiaKirk; 刘保行

    2005-01-01

    December first was World AIDS Day. Last year, the campaign (运动;活动) centered on women and girls. They made up almost half of all people infected with the virus HIV that causes AIDS. And H1V was spreading faster among women than men in most areas of the world. These findings (发现) werefrom the yearly report by the United Nations and the World Health Organization, a UN agency

  11. Challenges and Opportunities: the Expanded Government-led HIV/AIDS Programs in China

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    HIV/AIDS has posed an increasingly serious issue in China. In recent years, Chinese government has taken further intensified efforts to combat HIV/AIDS with high-level political commitment, supportive policy development, increased financial allocation, large-scale of governmentled initiatives, expanded international cooperation and great involvement of non-governmental organizations. Meanwhile gaps and challenges coexist impacting the implementation and the results of national HIV/AIDS programs. Thus, further government efforts are needed to improve and tailor the actions to meet the requirement of HIV/AIDS control in China.

  12. Does Local Financial Development Matter?

    OpenAIRE

    Guiso, Luigi; Sapienza, Paola; Zingales, Luigi

    2002-01-01

    We study the effects of differences in local financial development within an integrated financial market. We construct a new indicator of financial development by estimating a regional effect on the probability that, ceteris paribus, a household is shut off from the credit market. By using this indicator, we find that financial development enhances the probability an individual starts his own business, favors entry of new firms, increases competition, and promotes growth. As predicted by theo...

  13. Financial Inclusion: Islamic Finance Perspective

    OpenAIRE

    Mirakhor, Abbas; Iqbal, Zamir

    2012-01-01

    Enhancing financial inclusion or access to finance can make critical contributions to the economic development. Conventional mechanisms such as micro-finance, small-medium-enterprises (SME), and micro-insurance to enhance financial inclusion have been partially successful in enhancing the access and are not without challenges. Islamic finance, based on the concept of risk-sharing offers set of financial instruments promoting risk-sharing rather than risk-transfer in the financial system. In a...

  14. Energy Academic Group Financial Management

    OpenAIRE

    2014-01-01

    The objective of the Financial Management – Energy Specialty Curriculum is to prepare officers for business, financial, and analysis positions within the DoN and DoD and also to provide an advanced education in energy-related problem solving. Financial Managers assist the DoN's decision-making processes at all levels by providing accurate, timely and relevant information and analysis. They are concerned with the optimal allocation of human, physical, financial, and energy resources to ...

  15. SIMPLE INNOVATION OF FINANCIAL ASSET

    Institute of Scientific and Technical Information of China (English)

    ZHANG Shunming

    2001-01-01

    This paper presents a simple two-period model of the innovationof financial asset by commission-revenue maximization exchange. The economic agents with meanvariance preferences take transaction costs in the process of trading the financial asset, the buying per-unit commission of the futures contract and the selling per-unit commission of the financial asset. The commission-revenue maximization exchange innovates financial asset.

  16. Financial Statements in Particular Entity

    OpenAIRE

    Hořáková, Marie

    2011-01-01

    The thesis delivers suggestions to improve procedures in a financial statement from particular company according to an analysis of individual financial statement pieces and tests of a financial statement report. The first part of the literature search is devoted to an analysis of preparing pieces of the Financial Statement, necessary to carry out at the end of any accounting year to avoid distorting in accounting. After counting all issues, the accounting entity is to close all accounting...

  17. Financial Crises in Emerging Markets

    OpenAIRE

    Roberto Chang; Andres Velasco

    1998-01-01

    We present a simple model that can account for the main features of recent financial crises in emerging markets. The international illiquidity of the domestic financial system is at the center of the problem. Illiquid banks are a necessary and a sufficient condition for financial crises to occur. Domestic financial liberalization and capital flows from abroad (especially if short term) can aggravate the illiquidity of banks and increase their vulnerability to exogenous shocks and shifts in ex...

  18. Financial management of construction contractors.

    OpenAIRE

    Lacaria, Chris J.

    1994-01-01

    The scope of this paper is to discuss the financial management of a construction contractor. This paper attempts to approach this subject in a logical and systematic way. It communicates the importance of financial analysis and planning along with cash planning and profit planning. This report is not intended to be an all inclusive discussion of financial management in construction. Contractor's Financial Management is an extremely important subject. It has been told ...

  19. Market liquidity and financial stability.

    OpenAIRE

    CROCKETT, A.

    2008-01-01

    Stability in financial institutions and in financial markets are closely intertwined. Banks and other financial institutions need liquid markets through which to conduct risk management. And markets need the back-up liquidity lines provided by financial institutions. Market liquidity depends not only on objective, exogenous factors, but also on endogenous market dynamics. Central banks responsible for systemic stability need to consider how far their traditional responsibility for the health ...

  20. Financial crisis and monetary policy

    NARCIS (Netherlands)

    Karatas, B.

    2014-01-01

    Written in the midst of the Global Financial Crisis, the goal of this dissertation is to investigate causes of financial crises in general in order to provide empirical evidence of the driving forces of various crises types. Specifically, this thesis analyses the most common types of financial crise

  1. Financial Sector Assessment : FYR Macedonia

    OpenAIRE

    World Bank

    2004-01-01

    The Financial System Assessment (FSA) is based on the work of the joint International Monetary Fund (IMF)-World Bank Financial Sector Assessment Program (FSAP) missions to FYR Macedonia in May and June 2003. Development of the FYR Macedonia's financial system shows the marks of the country's turbulent first decade of independence. The FSAP recommendations aimed at two levels. At the genera...

  2. Senegal : Country Financial Accountability Assessment

    OpenAIRE

    World Bank

    2003-01-01

    This Country Financial Accountability Assessment (CFAA) examines the financial management in both the public and private sectors, aimed as an evaluation, not an audit, and, identifies financial risks within current practices, and procedures in Senegal. It does not however, intend to suggest an accurate, final allocation of public resources, though it facilitates implementation of action pl...

  3. "Financial Bubbles" and Monetary Policy

    Science.gov (United States)

    Tikhonov, Yuriy A.; Pudovkina, Olga E.; Permjakova, Juliana V.

    2016-01-01

    The relevance of this research is caused by the need of strengthening a role of monetary regulators to prevent financial bubbles in the financial markets. The aim of the article is the analysis of a problem of crisis phenomena in the markets of financial assets owing to an inadequate growth of their cost, owing to subjective reasons. The leading…

  4. Financial globalization and crises: overview

    NARCIS (Netherlands)

    T. Beck; S. Claessens; S.L. Schmukler

    2013-01-01

    Financial globalization, the integration of countries with the global financial system, has increased substantially since the 1970s and particularly with more force since the 1990s. Financial globalization has shown to pose both benefits and risks to developed countries and developing countries alik

  5. Strategic Planning and Financial Management

    Science.gov (United States)

    Conneely, James F.

    2010-01-01

    Strong financial management is a strategy for strategic planning success in student affairs. It is crucial that student affairs professionals understand the necessity of linking their strategic planning with their financial management processes. An effective strategic planner needs strong financial management skills to implement the plan over…

  6. Farm and Ranch Financial Statements

    OpenAIRE

    Israelsen, Clark; Feuz, Dillon

    2014-01-01

    This fact sheet is a brief overview of the financial statements and budgeting tools that are likely a part of most farm financial record keeping systems. Links are provided for additional detail on any one financial report or topic. A brief description of a Balance Sheet, a Profit Loss Statement or Income Statement, Statement of Cash Flows and Enterprise Analysis is included.

  7. Multilateral Aid | L’aide multilatérale

    Directory of Open Access Journals (Sweden)

    2012-05-01

    Full Text Available Bilateral and Multilateral Aid, DAC Members, 1960–2010 (in million USD constant, 2009Aide bilatérale et multilatérale des pays membres du CAD, 1960-2010 (en millions USD constants de 2009­Bilateral and Multilateral Aid by Recipient Region, DAC Members, 2008 (in percentage of total aid by RegionAide bilatérale et multilatérale des pays membres du CAD par region de destination, 2008 (en pourcentage de l’aide totale par régionSources: OECD (2010 2010 DAC Report on Multilateral Aid (Paris: O...

  8. A financial network perspective of financial institutions' systemic risk contributions

    Science.gov (United States)

    Huang, Wei-Qiang; Zhuang, Xin-Tian; Yao, Shuang; Uryasev, Stan

    2016-08-01

    This study considers the effects of the financial institutions' local topology structure in the financial network on their systemic risk contribution using data from the Chinese stock market. We first measure the systemic risk contribution with the Conditional Value-at-Risk (CoVaR) which is estimated by applying dynamic conditional correlation multivariate GARCH model (DCC-MVGARCH). Financial networks are constructed from dynamic conditional correlations (DCC) with graph filtering method of minimum spanning trees (MSTs). Then we investigate dynamics of systemic risk contributions of financial institution. Also we study dynamics of financial institution's local topology structure in the financial network. Finally, we analyze the quantitative relationships between the local topology structure and systemic risk contribution with panel data regression analysis. We find that financial institutions with greater node strength, larger node betweenness centrality, larger node closeness centrality and larger node clustering coefficient tend to be associated with larger systemic risk contributions.

  9. 76 FR 23859 - Financial Management Service Proposed Collection of Information; Financial Institution Agreement...

    Science.gov (United States)

    2011-04-28

    ... Fiscal Service Financial Management Service Proposed Collection of Information; Financial Institution... the Financial Institution Agreement and Application AGENCY: Financial Management Service, Fiscal Service, Treasury. ACTION: Notice and request for comments. SUMMARY: The Financial Management Service,...

  10. THE ROLE OF FINANCIAL EDUCATION IN DEVELOPING THE FINANCIAL SERVICES MARKET

    OpenAIRE

    Ivanka Daneva

    2015-01-01

    Considering the current complexity of financial markets and of financial instruments and services, financial education is part of population’s financial literacy and it ranks as paramount factor in the complex for the financial markets development.

  11. On Financial System Development of China's Tibetan Region

    Institute of Scientific and Technical Information of China (English)

    JIANG Xia

    2014-01-01

    China's Tibetan Region, located in the highest plateau , includes the Tibetan Auton-omous Region , ten Tibetan autonomous prefec-tures, and two Tibetan autonomous counties in Qinhai , Sichuan , Yunnan and Gansu .The region is economically backward and has substantially re-lied on central Chinese government's fiscal transfer payments and aid from other provinces in China . As a result, the financial sector in the region is un-derdeveloped and is not able to play an active role in supporting the region's leaping economic devel-opment .It is necessary to analyze the current fi-nancial system in the Tibetan region , to find out where the problems lie and how to modify the fi-nancial system .

  12. DIAGNOSIS OF FINANCIAL EQUILIBRIUM

    Directory of Open Access Journals (Sweden)

    SUCIU GHEORGHE

    2013-04-01

    Full Text Available The analysis based on the balance sheet tries to identify the state of equilibrium (disequilibrium that exists in a company. The easiest way to determine the state of equilibrium is by looking at the balance sheet and at the information it offers. Because in the balance sheet there are elements that do not reflect their real value, the one established on the market, they must be readjusted, and those elements which are not related to the ordinary operating activities must be eliminated. The diagnosis of financial equilibrium takes into account 2 components: financing sources (ownership equity, loaned, temporarily attracted. An efficient financial equilibrium must respect 2 fundamental requirements: permanent sources represented by ownership equity and loans for more than 1 year should finance permanent needs, and temporary resources should finance the operating cycle.

  13. Trusts and Financialization

    DEFF Research Database (Denmark)

    Harrington, Brooke

    2016-01-01

    This article identifies trusts as a legal structure associated with the global spread of financialization. Although trusts originated in Medieval England, they have acquired a new significance in contemporary finance by virtue of their advantages in terms of 10 profit maximization and capital...... mobility. As a result, trusts have become common in contemporary structured finance for corporations, in addition to their traditional functions as estate planning and asset protection vehicles for high-net-worth individuals. This article specifies three ways in which the trust structure has facilitated...... the global spread of financialization: by privileging the rentier–investor within the 15 world economy; by perpetuating a distinctively Anglo-American approach to finance internationally; and by increasing the autonomy of finance vis-a-vis the nation-state. This study shares the primarily descriptive...

  14. 77 FR 16894 - Financial Research Advisory Committee

    Science.gov (United States)

    2012-03-22

    ... recognized experts in the fields of economics, financial institutions and markets, statistical analysis, financial markets analysis, econometrics, applied sciences, risk management, data, information standards... Financial Research Advisory Committee AGENCY: Office of Financial Research, Treasury. ACTION: Notice...

  15. STATE AID EVOLUTION OVERVIEW IN EUROPEAN UNION CONTEXT DURING THE PERIOD 2007-2012

    Directory of Open Access Journals (Sweden)

    Anca D.B., DODESCU

    2014-11-01

    Full Text Available According to the European Union point of view, the fundamental principle of state aid is to ensure that inside the single market, competition is not distorted. In this context, by exception state aid can be justified when they contribute to achieving EU's social and economic goals. This may take place when market forces obstruct the achieving of the proposed objectives or permit their achieving on unacceptable long terms and costs. This article is structured in four parts, focusing on European Union's vision regarding state aid measures. The first part of the article refers to the general context of state aid in EU. The second part of the article tries to define this concept according to European Commission point of view and also studies the state aid information provided by the EU, through its benchmarking instrument regarding state aid expenditure called State Aid Scoreboard. The third part of the article mainly presents the EU state aid evolution during the period 2007 - 2012 and establishes a methodological point of view in order to classify and divide state aid in two main categories: non-crisis state aid and crisis state aid, with the purpose of avoiding the distortion trends regarding state aid expenditure granted for the financial sector. This part of the article also presents different types of state aid at EU27 level and granted by the selected member states (Romania, Hungary, Bulgaria and Germany between 2007 and 2012 and also analysis horizontal aid, sectorial aid and state aid during the economic crisis 2008 - 2012, referring to recapitalization and asset relief measures and guarantees and liquidity measures. The last part of the article presents the conclusions and also states certain recommendations regarding EU state aid practices, based on the results obtained.

  16. Basic Financial Accounting

    DEFF Research Database (Denmark)

    Wiborg, Karsten

    This textbook on Basic Financial Accounting is targeted students in the economics studies at universities and business colleges having an introductory subject in the external dimension of the company's economic reporting, including bookkeeping, etc. The book includes the following subjects......: business entities, the transformation process, types of businesses, stakeholders, legislation, the annual report, the VAT system, double-entry bookkeeping, inventories, and year-end cast flow analysis....

  17. Communication impacting financial markets

    Science.gov (United States)

    Vitting Andersen, Jørgen; Vrontos, Ioannis; Dellaportas, Petros; Galam, Serge

    2014-10-01

    Since the attribution of the Nobel prize in 2002 to Kahneman for prospect theory, behavioral finance has become an increasingly important subfield of finance. However the main parts of behavioral finance, prospect theory included, understand financial markets through individual investment behavior. Behavioral finance thereby ignores any interaction between participants. We introduce a socio-financial model (Vitting Andersen J. and Nowak A., An Introduction to Socio-Finance (Springer, Berlin) 2013) that studies the impact of communication on the pricing in financial markets. Considering the simplest possible case where each market participant has either a positive (bullish) or negative (bearish) sentiment with respect to the market, we model the evolution of the sentiment in the population due to communication in subgroups of different sizes. Nonlinear feedback effects between the market performance and changes in sentiments are taken into account by assuming that the market performance is dependent on changes in sentiments (e.g., a large sudden positive change in bullishness would lead to more buying). The market performance in turn has an impact on the sentiment through the transition probabilities to change an opinion in a group of a given size. The idea is that if for example the market has observed a recent downturn, it will be easier for even a bearish minority to convince a bullish majority to change opinion compared to the case where the meeting takes place in a bullish upturn of the market. Within the framework of our proposed model, financial markets stylized facts such as volatility clustering and extreme events may be perceived as arising due to abrupt sentiment changes via ongoing communication of the market participants. The model introduces a new volatility measure which is apt of capturing volatility clustering and from maximum-likelihood analysis we are able to apply the model to real data and give additional long term insight into where a market is

  18. ENVIRONMENTAL FINANCIAL ACCOUNTING

    OpenAIRE

    Mihai, Oana; Florentina MOISESCU

    2006-01-01

    From a company’s perspective, there seem to be two underlying forces driving company interest in various kinds of environmental performance data that might be considered varieties of accounting. The first is a growing demand from company stakeholders, based on an increased interest in environmental issues. Interested stakeholders are not only the consumers, but also industrial customers, financial institutions and others. For this reason, more and more companies are producing environmental re...

  19. Financial Risk Management Accounting

    OpenAIRE

    Tetyana Kaminska; Olena Kolesnikova

    2014-01-01

    Active market economy involves various risks for market players. A particular place due to the specifics and significance within the risk classification system belongs to financial risks. In legislative instruments the issue of risks is considered superficially. Accounting Regulation does not contain any provisions on risks accounting and those of their consequences, as well as any clarification on providing relevant information to managers at different levels and other stakeholders. However,...

  20. Volatility and Financial Intermediation

    OpenAIRE

    Joshua Aizenman; Andrew Powell

    1997-01-01

    Following the Tequila period, its after-effects in Latin America and recent events in South East Asia, the effect of volatility on emerging market economies has become an important topic of research with the domestic financial intermediation process being advanced as one of the most important transmission mechanisms. At the same time there has been continued interest in issues related to imperfect information and rationing in credit markets. In this paper, we consider an economy where risk ne...

  1. Fibrations of financial events

    CERN Document Server

    Carf\\i, David

    2011-01-01

    In this paper we shall prove that the plane of financial events, introduced and applied to financial problems by the author himself (see [2], [3] and [4]) can be considered as a fibration in two different ways. The first one, the natural one, reveals itself to be isomorphic to the tangent- bundle of the real line, when the last one is considered as a differentiable manifold in the natural way; the second one is a fibration induced by the status of compound interest capitalization at a given rate i in the interval ] - 1, \\rightarrow [. Moreover, in the paper we define on the first fibration an affine connection, also in this case induced by the status of compound interest at a given rate i. The final goal of this paper is the awareness that all the effects determined by the status of compound interest are nothing but the consequences of the fact that the space of financial events is a fibration endowed with a particular affine connection, so they are consequences of purely geometric properties, at last, depend...

  2. EDF - Quarterly Financial Information

    International Nuclear Information System (INIS)

    EDF's sales in the first quarter of 2014 were euro 21.2 billion, down 3.9% from the first quarter of 2013. At constant scope and exchange rates, sales were down 4.2% due to mild weather conditions, which impacted sales of electricity in France, gas sales abroad and trading activities in Europe. UK sales were nonetheless sustained by B2B sales due to higher realised wholesale market prices. In Italy, sales growth was driven by an increase in electricity volumes sold. The first quarter of 2014 also saw the strengthening of the Group's financial structure with the second phase of its multi-annual hybrid funding programme (nearly euro 4 billion equivalent) as well as the issue of two 100-year bonds in dollars and sterling aimed at significantly lengthening average debt maturity. 2014 outlook and 2014-2018 vision: - EDF Group has confirmed its financial objectives for 2014; - Group EBITDA excluding Edison: organic growth of at least 3%; - Edison EBITDA: recurring EBITDA target of euro 1 billion and at least euro 600 million in 2014 before effects of gas contract re-negotiations; - Net financial debt / EBITDA: between 2x and 2.5x; - Pay-out ratio of net income excluding non-recurring items post-hybrid: 55% to 65%. The Group has reaffirmed its goal of achieving positive cash flow after dividends, excluding Linky, in 2018

  3. Preventing Financial Risks

    Institute of Scientific and Technical Information of China (English)

    2012-01-01

    International crisis The global financial crisis can be divided into several stages:From August 2008 to the bankruptcy of Lehman Brothers in September 2008 was the U.S.sub-prime mortgage crisis;after September 2008 it became the intemational financial crisis;and as of October 2009 when Greek sovereign debt crisis broke out,the crisis became a sovereign debt crisis.The question is:Is the European currency crisis now in a new stage? And what comes next?We think the present U.S.and European sovereign debt crisis is the aftershock of the U.S.sub-prime crisis,and also the pre-shock that will bring future international financial market more turmoil and push the world economy into another recession.Recently Standard & Poor's placed the European Union on its watch list,and some countries are preparing for the EU to balkanize,so we must be prepared for this crisis.As for the euro crisis,I think we need to decide whether to come to the rescue or not.In rescuing the EU,there are three methods:The European Central Bank issues banknotes to rescue the euro;the euro zone issues euro bonds;or it creates a Europe rescue fund.However,these methods are all difficult to carry out and may trigger inflation.

  4. Financial aspects of decommissioning

    International Nuclear Information System (INIS)

    European Commission adopted recently two proposals of Directives designed to pave the way for a Community approach to the safety of nuclear power plants and the processing of radioactive waste. Nuclear safety cannot be guaranteed without making available adequate financial resources. With regard, in particular, to the decommissioning of nuclear facilities, the Directive defines the Community rules for the establishment, management and use of decommissioning funds allocated to a body with legal personality separate from that of the nuclear operator. In order to comply with the acquis communautaire, Romanian Government issued the Emergency Ordinance no. 11/2003 which set up the National Agency for Radioactive Waste (ANDRAD) and soon will be established the financial mechanism for raising the necessary funds. Societatea Nationala 'Nuclearelectrica' S.A. operates, through one of its branches, Cernavoda NPP Unit 1 and has to prepare its decommissioning strategy and to analyze the options to assure the financing for covering the future costs. The purpose of this paper is to clarify the financial systems' mechanisms to the satisfaction of the nuclear operator obligations, according to the disbursement schedule foreseen by decommissioning projects . The availability of cash to pay for all the decommissioning expenditure must be foreseen by setting up assets and establishing a suitable financing plan. The different practices of assets management shall be presented in this paper on the basis of the international experience. Some calculation samples shall be given as an illustration. (author)

  5. College Students and Financial Distress: Exploring Debt, Financial Satisfaction, and Financial Anxiety

    Science.gov (United States)

    Archuleta, Kristy L.; Dale, Anita; Spann, Scott M.

    2013-01-01

    The impact of financial concerns on overall mental health has become a popular topic among researchers and practitioners. In this exploratory study, possible associations of financial anxiety were explored using a sample of 180 college students who sought services at a university peer financial counseling center in a Midwestern state. Of…

  6. LSE centre for economic performance: financial regulation – can we avoid another great recession?

    OpenAIRE

    Garicano, Luis; Van Reenen, John

    2010-01-01

    A new series of Election Analyses is now available from the LSE’s Centre for Economic Performance (CEP). The series will discuss the research evidence on some of the key policy battlegrounds of the 2010 General Election, including macroeconomic policy, immigration, health, education, crime, poverty and inequality, labour market policy, regional policy, energy and the environment, financial regulation and bankers’ bonuses, and foreign aid. The financial meltdown of 2008 led to the worst r...

  7. MODERN FEATURES OF FINANCIAL GLOBALIZATION

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2013-10-01

    Full Text Available Nowadays, financial globalization as latest stage of financial internationalization process becomes to be the most discussed subject by economic scientists. It has many forms of manifestation and directions of development. One of the main features of financial globalization is increasing the role of the financial sector, linked with the expansion of the scope and complexity of foreign economic relations. The financial system has increasingly become a means of redistribution of financial resources in accordance with the needs and possibilities of development of production not only at national but also at the global level. In this work are presented modern views on financial globalization under aspect of concepts, trends, effects and perspectives.

  8. The Development of an AIDS Mucosal Vaccine

    Directory of Open Access Journals (Sweden)

    Xian Tang

    2010-01-01

    Full Text Available It is well known that mucosal tissues contain the largest surface area of the human body and are the front line of natural host defense against various pathogens. In fact, more than 80% of infectious disease pathogens probably gain entry into the susceptible human hosts through open mucosal surfaces. Human immunodeficiency virus type one (HIV-1, a mainly sexually transmitted virus, also primarily targets the vaginal and gastrointestinal mucosa as entry sites for viral transmission, seeding, replication and amplification. Since HIV-1 establishes its early replication in vaginal or rectal mucosal tissues, the induction of sufficient mucosal immunity at the initial site of HIV-1 transmission becomes essential for a protective vaccine. However, despite the fact that current conventional vaccine strategies have remained unsuccessful in preventing HIV-1 infection, sufficient financial support and resources have yet to be given to develop a vaccine able to elicit protective mucosal immunity against sexual transmissions. Interestingly, Chinese ancestors invented variolation through intranasal administration about one thousand years ago, which led to the discovery of a successful smallpox vaccine and the final eradication of the disease. It is the hope for all mankind that the development of a mucosal AIDS vaccine will ultimately help control the AIDS pandemic. In order to discover an effective mucosal AIDS vaccine, it is necessary to have a deep understanding of mucosal immunology and to test various mucosal vaccination strategies.

  9. AIDS ORPHANS GET SPECIAL VISITOR

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Chinese Premier Wen Jiabao visits AIDS orphans in Shangcai County,central China’s Henan Province,on November 30,a day before the 20th World AIDS Day. The region of Shangcai has the highest concentration of people living with HIV/AIDS in China. The Chinese Government has released a package of policies that offer people living with HIV/AIDS free medicine,health checks and consultations,as well as free schooling to AIDS orphans.

  10. Financial Stress, Financial Literacy, Counselling and the Risk of Homelessness

    Directory of Open Access Journals (Sweden)

    Adam Steen

    2013-09-01

    Full Text Available Poor financial literacy may lead to poor life choices. These life choices can create or contribute to financial stress with adverse consequences - not the least of which may be homelessness. These issues are relatively well understood, but there is limited research on the link between financial stress, financial literacy and counselling, and homelessness. Specifically, there has been little research on how improved financial literacy and appropriate financial counselling might help to prevent homelessness. This paper synthesises existing literature on this topic and considers these issues using the ABCX family stress model of Hill (1958 using data from an Australian program aimed at alleviating family homelessness, the Home Advice Program. We provide evidence that suggests that case management and support which incorporates financial counselling and financial literacy can assist in moderating the impact of financial stress and help those at risk of homelessness. The findings have implications for public policy in the areas of financial education, consumer finance, and social services provision.

  11. Ethical dilemmas? UK immigration, Legal Aid funding reform and caseworkers

    OpenAIRE

    James, Deborah; Killick, Evan

    2010-01-01

    The article considers the kinds of responsibilities anthropologists might have when working on immigration and asylum matters, particularly in the light of recent 'reforms' to the funding of legal aid in the UK. The article focuses on a single case study in its context, exploring an interaction between an immigrant applicant and a lawyer/case worker in a not-for-profit Law Centre. The paper shows how case workers find themselves caught in the middle, squeezed between increasing financial pres...

  12. Hearing Aid Personalization

    DEFF Research Database (Denmark)

    Nielsen, Jens Brehm; Nielsen, Jakob; Jensen, Bjørn Sand;

    2013-01-01

    Modern digital hearing aids require and offer a great level of personalization. Today, this personalization is not performed based directly on what the user actually perceives, but on a hearing-care professional’s interpretation of what the user explains about what is perceived. In this paper......, an interactive personalization system based on Gaussian process regression and active learning is proposed, which personalize the hearing aids based directly on what the user perceives. Preliminary results demonstrate a significant difference between a truly personalized setting obtained with the proposed system...

  13. What does sustainability mean in the HIV and AIDS response?

    Science.gov (United States)

    Oberth, Gemma; Whiteside, Alan

    2016-01-01

    Immense progress has been made in the fight against HIV and AIDS. Achieving and exceeding the AIDS targets for the Millennium Development Goals (MDGs) was accomplished, in large part, due to an unprecedented financial investment from the international community. Following an $800 million dip in donor disbursements in 2010, the discourse has since shifted to the need for greater sustainability of funding. But what does sustainability mean? Current efforts focus heavily on fiscal imperatives such as increasing domestic funding. This is important - needs are increasing at a faster rate than donor funding, especially with increased treatment coverage. The problem is that measures of financial sustainability tell very little about the actual sustainability of specific programmes, disease trajectories or enabling environments. Recognising that current definitions of sustainability lack clarity and depth, we offer a new six-tenet conceptualisation of what sustainability means in the HIV and AIDS response: (1) financial, (2) epidemiological, (3) political, (4) structural, (5) programmatic, and (6) human rights. Based on these, we examine examples of donor transitions for their approach to sustainability, including PEPFAR in South Africa, the Global Fund in Eastern Europe, and the Bill and Melinda Gates Foundation in India (Avahan). We conclude that sustainability must be understood within a broader framework beyond funding stability. We also recommend that certain interventions, such as programming for key populations, may have to continue to receive external support even if affected countries can afford to pay. PMID:26785676

  14. What does sustainability mean in the HIV and AIDS response?

    Science.gov (United States)

    Oberth, Gemma; Whiteside, Alan

    2016-01-01

    Immense progress has been made in the fight against HIV and AIDS. Achieving and exceeding the AIDS targets for the Millennium Development Goals (MDGs) was accomplished, in large part, due to an unprecedented financial investment from the international community. Following an $800 million dip in donor disbursements in 2010, the discourse has since shifted to the need for greater sustainability of funding. But what does sustainability mean? Current efforts focus heavily on fiscal imperatives such as increasing domestic funding. This is important - needs are increasing at a faster rate than donor funding, especially with increased treatment coverage. The problem is that measures of financial sustainability tell very little about the actual sustainability of specific programmes, disease trajectories or enabling environments. Recognising that current definitions of sustainability lack clarity and depth, we offer a new six-tenet conceptualisation of what sustainability means in the HIV and AIDS response: (1) financial, (2) epidemiological, (3) political, (4) structural, (5) programmatic, and (6) human rights. Based on these, we examine examples of donor transitions for their approach to sustainability, including PEPFAR in South Africa, the Global Fund in Eastern Europe, and the Bill and Melinda Gates Foundation in India (Avahan). We conclude that sustainability must be understood within a broader framework beyond funding stability. We also recommend that certain interventions, such as programming for key populations, may have to continue to receive external support even if affected countries can afford to pay.

  15. Genesis nature of financial strategy

    Directory of Open Access Journals (Sweden)

    O.V. Pashchenko

    2015-03-01

    Full Text Available The article is devoted to the study of the origin and history of the interpretation of the genesis of «strategy», «financial strategy», its elements and composite types. Scientists studied different views on the concept of strategy. Several specific positions founders of different approaches to define the strategy of schools operating strategies involved in the formulation and implementation of the concept of «strategy». Evaluation of different schools of strategies that deepened understanding of the industry and its strategy in the early stages of formation. Based on the works of various scholars studied by the author actually proposed interpretation of the concept strategy. The general industry and functional strategies which include the following strategies: innovation, resource, financial, production, marketing and human resources. Allocated financial strategy and its significant impact on other strategies. Author developed financial sector strategy and financial strategy of competitive enterprise. The importance of financial strategies under conditions of companies and the industry as a whole, as well as components of development of financial strategy. Deals with the factors that must be considered in the development and implementation of financial strategies. The systems analysis strategies and the impact on financial results, the estimation of their attractiveness and risk. Considered classification on the basis of financial strategies and sectoral orientation of the financial sector strategy based on company size, its form and noted the importance of this trait in systematizing strategies. The expediency of the financial strategy. Defined competitive advantage and efficiency of business and industry through the implementation of various financial strategies.

  16. Financial Spillovers to Emerging Markets during the Global Financial Crisis

    OpenAIRE

    Nathaniel Frank; Heiko Hesse

    2009-01-01

    In this paper potential financial linkages between liquidity and bank solvency measures in advanced economies and emerging market (EM) bond and stock markets are analyzedduring the latest crisis. A multivariate GARCH model is estimated in order to gauge the extent of co-movements of these financial variables across markets. The findings indicate that the notion of possible de-coupling (in the financial markets) had been misplaced. While EM stock markets reached their peak in the last quarter ...

  17. Financial and Non Financial Determinants of Corporate Social Responsibility

    OpenAIRE

    Faris Nasif AL- Shubiri; Abedalfattah Zuhair Al-abedallat; Marwan Mohammad Abu Orabi

    2012-01-01

    Accounting, economic, social and political, and slack resources theories provide different perspectives to addressing corporate social responsibility in relation to disclosure, corporate financial performance e.t.c. This paper aims to identify the determinants financial and non financial of corporate social responsibility (CSR) in Jordan .The annual reports determine a sample of 60 industrial companies listed on the Amman Stock Exchange for a period from 2006 to 2010 in Jordan were used as a ...

  18. Financial intermediation and the post-crisis financial system

    OpenAIRE

    Hyun Song Shin

    2010-01-01

    Securitization was meant to disperse credit risk to those who were better able to bear it. In practice, securitization appears to have concentrated the risks in the financial intermediary sector itself. This paper outlines an accounting framework for the financial system for assessing the impact of securitization on financial stability. If securitization leads to the lengthening of intermediation chains, then risks becomes concentrated in the intermediary sector with damaging consequences for...

  19. Financial Statements in Providing Financial Security of Agricultural Enterprises

    OpenAIRE

    Olha Vdovenko

    2014-01-01

    In conditions of severe market competition and economic turmoil financial security of agricultural businesses largely depends on the effectiveness of management decisions, reporting being the information support to ensure such decision making. Thus, the practice of preparing accounting figures and their adjustment has a direct effect on agricultural businesses financial security. Having been generalized at the industry level, statistical and financial statements are used for the development o...

  20. Emphasizing the Role of Financial Audit by World Financial Crisis

    OpenAIRE

    Þugui Valentina

    2011-01-01

    It is appropriate that the role and scope of audit to be made and investigated in the general context of reform of financial market regulation. The audit, along with corporate oversight and governance, should contribute heavily to financial stability, because its role is to provide a guarantee as to the truthfulness of all corporate financial health. Auditors have been and will remain promoters of transparency, the reality of information, of ethics and of professionalism. It is therefore impo...

  1. Reconfiguring the Financial Markets

    Directory of Open Access Journals (Sweden)

    Ion Bucur

    2009-12-01

    Full Text Available The debut of the new millennium is marked by the increased economic and social imbalances. An important task of economic science is to identify the causes and factors that contributed to the radical transformation of the unfolding conditions of economic activity. The existence of different perspectives to approach the new realities may offer greater opportunities for decrypting the conditions that generated so far unknown developments, as well as for shaping solutions to promote new paths of progress and civilization. The defining with profound implications on the economy and society is represented by the globalization. From this perspective, we have analysed the new dimensions of capital accumulation and economic growth in the context of deregulation and liberalization of the international capital movements. In this context, we have noticed the increasing influence of the financial markets on the economy, the tendency to remove the finances from the real economy requirements, the growing role of external financing using more volatile capital goods, increased competition regarding the access to financing, the significant increase of power of the international capital markets whose characteristic is represented by the increased instability, the implications of the investors’ obsession with an excessive profitableness of their own funds and the expansion of using sophisticated financial products. Realities of today’s financial markets, which are the subject of numerous studies and analysis, have contributed to the association of the arguments that are contesting the thesis on the virtues of self-regulation markets and promoting a new paradigm, within which finances should subordinate the requirements of a balanced and sustained economic growth.

  2. Separate and unequal: post-tsunami aid distribution in Southern India.

    Science.gov (United States)

    Aldrich, Daniel P

    2010-01-01

    Objective. Disasters are a regular occurrence throughout the world. Whether all eligible victims of a catastrophe receive similar amounts of aid from governments and donors following a crisis remains an open question.Methods. I use data on 62 similarly damaged inland fishing villages in five districts of southeastern India following the 2004 Indian Ocean tsunami to measure the causal influence of caste, location, wealth, and bridging social capital on the receipt of aid. Using two-limit tobit and negative binomial models, I investigate the factors that influence the time spent in refugee camps, receipt of an initial aid packet, and receipt of 4,000 rupees.Results. Caste, family status, and wealth proved to be powerful predictors of beneficiaries and nonbeneficiaries during the aid process.Conclusion. While many scholars and practitioners envision aid distribution as primarily a technocratic process, this research shows that discrimination and financial resources strongly affect the flow of disaster aid. PMID:21125763

  3. Financial Literacy, Financial Education and Economic Outcomes. NBER Working Paper No. 18412

    Science.gov (United States)

    Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.

    2012-01-01

    In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

  4. Using FTE and RVU performance measures to assess financial viability of academic nurse-managed centers.

    Science.gov (United States)

    Vonderheid, Susan; Pohl, Joanne; Schafer, Patricia; Forrest, Kathy; Poole, Michele; Barkauskas, Violet; Mackey, Thomas A

    2004-01-01

    Financial performance measures are essential to improve the fiscal management of academic nurse-managed centers (ANMCs). Measures are compared among six ANMCs in a consortium and against an external, self-sustainable, profitable ANMC and national data for family practice physicians. Performance measures help identify a center's strengths and weaknesses facilitating the development of strategies aimed at a variety of targets (business practices related to revenue and costs) to improve financial viability. Using a variety of financial performance measures to inform decision making will aid ANMCs in keeping their doors open for business. PMID:15211915

  5. Analyzing Chinese Financial Reporting

    Institute of Scientific and Technical Information of China (English)

    SABRINA; ZHANG

    2008-01-01

    If the world’s capital markets could use a harmonized accounting framework it would not be necessary for a comparison between two or more sets of accounting standards. However,there is much to do before this becomes reality.This article aims to pres- ent a general overview of China’s General Accepted Accounting Principles(GAAP), U.S.General Accepted Accounting Principles and International Financial Reporting Standards(IFRS),and to analyze the differ- ences among IFRS,U.S.GAAP and China GAAP using fixed assets as an example.

  6. Offshore Financial Centres

    DEFF Research Database (Denmark)

    Wigan, Duncan

    2014-01-01

    of ‘tax havens’. The chapter argues in consequence that policy success relies on an admixture of unilateral innovation and mutually reinforcing policy instruments. In the context of the global financial crisis and acute concerns regarding fiscal capacity US intervention has had a catalytic effect. EU......This chapter assesses the role of the EU in the regulation of tax evasion and tax avoidance. This role has historically been constrained by institutional limits on EU policy in the area of direct taxation and a severe collective action problem extenuated by an EU membership which includes a number...

  7. Offshoring and financial markets

    Directory of Open Access Journals (Sweden)

    Gianfranco Battisti

    2014-06-01

    Full Text Available The paper analyses the nature and extent of the offshore world, a grey area that is playing a major role in present-day economy. The main institutions moulding this peculiar environment are discussed: preferential tax regimes, tax havens and offshore financial centers. Their role in the globalised world is outlined after a scrutiny of the specialized literature, reports by non-governmental bodies and companies’ advertisings. Finally, we present a tentative reconstruction of its geographical organization, inclusive of cartographic representations of the main international networks.

  8. Use of financial information and the financial system

    CERN Document Server

    Jenssen, B W

    1999-01-01

    This paper gives an overview of the different clients of the financial system and how their demands for information may influence its development. As an operating unit and a 'prime user' of the financial system we should be in the driving seat to ensure the scarce resources are used and managed in the best possible way. This paper focuses on the importance of a correct use of the financial system, awareness of its functionalities and the importance of knowing potential deviations as soon as possible while one is still able to influence the final cost. It finishes by underscoring the importance of letting our requests be heard when the financial system is developed.

  9. Investigating Contagion and Market Interdependence during the Global Financial Crisis

    Directory of Open Access Journals (Sweden)

    Filip Iorgulescu

    2015-06-01

    Full Text Available This paper examines the roles played by market interdependence and contagion in the propagation of the 2007-2009 global financial crisis. For this purpose, five aggregate indices were employed, representing all the major financial markets from each geographical region. The data series are daily and they cover the period between 2002 and 2014. The presence of contagion and market interdependence was assessed by means of the values and value changes of the correlation coefficients between the ante crisis (2002-2007, the crisis (2007-2009 and the post crisis (2009-2014 intervals, as well as with the aid of a spillover index. The results indicate a high degree of interdependence between the global financial markets even before the occurrence of the crisis. On the other hand, there is evidence that the crisis spread through contagion mainly from the developed financial markets of Europe and North America to the emerging centers in Africa and Latin America while the markets from the Asia/Pacific region displayed lower correlations which may have given opportunities for the mitigation of losses. Moreover, since the majority of the correlation coefficients have not decreased significantly after the 2007-2009 period, it seems that the crisis intensified the degree of global financial integration.

  10. Parent Hearing Aid Experiences

    Science.gov (United States)

    Munoz, Karen; Roberts, Mallory; Mullings, Day; Harward, Richard

    2012-01-01

    This study addresses parent experiences in obtaining and managing hearing aids for their young child. The purpose was to identify challenges parents encounter to determine what state agencies can do to improve parent access to amplification. Data were collected July through September of 2010; 40 parents of children ages birth to 3 years old…

  11. More than First Aid

    Science.gov (United States)

    Schoessler, Sally

    2011-01-01

    The school nurse is an important member of the school team since school health services keep students in school, in the classroom, and ready to learn. Although school nurses are often seen as the people who deliver first aid at school, their role is much deeper and has such breadth that only a registered, professional nurse has the skill set to…

  12. Agglomeration and aid

    NARCIS (Netherlands)

    S. Brakman (Steven); J.H. Garretsen (Harry); J.G.M. van Marrewijk (Charles)

    2007-01-01

    textabstractA key issue in development economics is the explanation of core-periphery patterns around the world. Combining this issue with that of analyzing unilateral transfers (e.g. foreign aid) points in the direction of the use of New Economic Geography (NEG) models which, so far, has not been d

  13. First Aid Challenge

    Science.gov (United States)

    Roman, Harry T.

    2011-01-01

    This article describes a challenge wherein students will be asked to design a portable first aid kit that is normally carried in a recreational vehicle (RV), but can also be hand-carried or backpacked off road for distances of approximately 1-2 miles. This can be a very practical challenge for the students because it touches everyone. Everybody…

  14. First aid advisor

    Energy Technology Data Exchange (ETDEWEB)

    Saffer, S.I.; Weng, Wen-Chang [Texas A & M Univ., Commerce, TX (United States)

    1996-12-31

    A knowledge-based system (KBS), First Aid Advisor (FAA), is developed to provide a guidance for either a trained or untrained person to take some emergent actions to rescue the victim from life-threatening hazard or to prevent from causing serious problem before the Emergency Medical Service System (EMS) personnels arrive the scene. The First Aid Advisor will collect victim`s information by interacting with the user through a sequence of questions, analyze the victim`s problem, and give instructions step by step before offering a final advice. Since all the possible conditions are taken into consideration, it will guide the user to perform first aid from the most to the least urgent step for the victim. Furthermore, it will offer a suitable first aid advice for victim and eliminate the possibility of wrong actions done by trained person due to carelessness or nervousness. Offering advice to handle problems involving life-threatening conditions is the main objective of this system. In this paper, we will describe six major components of FAA and their respective tasks. Decision tables and dependency diagrams used in FAA implementation will also be described. System performance issues will conclude the paper.

  15. Oesophageal candiasis in AIDS

    OpenAIRE

    Yadav, S. P. S.; Ranga, Rupender K.; Singh, Jagat; Yadav, Rohtas

    2003-01-01

    With the explosion in the number of AIDS patients, many of these are likely to consult to otolaryngologists the head & neck is a rather common site to be affected. Sometimes only oesophageal candidiasis is the presenting feature as in the present case which is being reported show typical radiological appearance. the differential diagnosis and treatment of nesophageal candidiasis is briefly discussed

  16. AIDS Overspill to Everyman

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    Xu Wenqing, national project officer of the UN International Children's Emergency Fund (UNICEF), recently issued a warning that the men/women ratio of HIV infection in China now stands at 5:5. This indicates that AiDS now threatens other than intravenous drug users, sex workers and hemophiliacs.

  17. HIV/AIDS

    Science.gov (United States)

    ... health days Meetings and consultations 2014 Fact sheets Features Commentaries 2014 Multimedia Contacts HIV/AIDS Fact sheet Updated July 2016 Key facts HIV continues to be a major global public health issue, having claimed more than 35 million lives so far. In 2015, 1.1 (940 000– ...

  18. Studying Aid: Some Methods

    NARCIS (Netherlands)

    D.R. Gasper (Des)

    2003-01-01

    textabstractINVESTIGATING IDEAS, IDEOLOGIES AND PRACTICES This paper presents some methods for trying to make sense of international aid and of its study.1 Some of the methods may be deemed ethnographic; the others are important partners to them, but rather different. In the course of discussing q

  19. AIDS and associated malignancies

    Institute of Scientific and Technical Information of China (English)

    Charles; WOOD; William; HARRINGTON; Jr

    2005-01-01

    AIDS associated malignancies (ARL) is a major complication associated with AIDS patients upon immunosuppression.Chronically immunocompromised patients have a markedly increased risk of developing lymphoproliferative disease. In the era of potent antiretrovirals therapy (ARV), the malignant complications due to HIV- 1 infection have decreased in developed nations where ARV is administered, but still poses a major problem in developing countries where HIV- 1incidence is high and ARV is still not yet widely available. Even in ARV treated individuals there is a concern that the prolonged survival of many HIV- 1 carriers is likely to eventually result in an increased number of malignancies diagnosed.Malignancies that were found to have high incidence in HIV-infected individuals are Kaposi's sarcoma (KS), Hodgkin's disease (HD) and non-Hodgkin's lymphoma (NHL). The incidence of NHL has increased nearly 200 fold in HIV-positive patients, and accounts for a greater percentage of AIDS defining illness in the US and Europe since the advent of HAART therapy. These AIDS related lymphomas are distinct from their counterparts seen in HIV- 1 seronegative patients.For example nearly half of all cases of ARL are associated with the presence of a gamma herpesvirus, Epstein Barr virus (EBV) or human herpesvirus-8 (HHV-8)/Kaposi's sarcoma associated herpesvirus (KSHV). The pathogenesis of ARLs is complex. B-cell proliferation driven by chronic antigenemia resulting in the induction of polyclonal and ultimately monoclonal lymphoproliferation may occur in the setting of severe immunosuppression.

  20. Coil Welding Aid

    Science.gov (United States)

    Wiesenbach, W. T.; Clark, M. C.

    1983-01-01

    Positioner holds coil inside cylinder during tack welding. Welding aid spaces turns of coil inside cylinder and applies contact pressure while coil is tack-welded to cylinder. Device facilitates fabrication of heat exchangers and other structures by eliminating hand-positioning and clamping of individual coil turns.

  1. Range Scheduling Aid (RSA)

    Science.gov (United States)

    Logan, J. R.; Pulvermacher, M. K.

    1991-01-01

    Range Scheduling Aid (RSA) is presented in the form of the viewgraphs. The following subject areas are covered: satellite control network; current and new approaches to range scheduling; MITRE tasking; RSA features; RSA display; constraint based analytic capability; RSA architecture; and RSA benefits.

  2. Aid Projects Benefit Xigaze

    Institute of Scientific and Technical Information of China (English)

    2003-01-01

    Motivated by the thirdnational conference onwork in Tibet held by theCPC Central Committeeand the State Council meeting in July1994, Shanghai and Shandong provincedecided to provide aid to the Xigazearea from May 1995 onwards. Thefourth conference on work in Tibet heldin May 2001 again established that the

  3. Statistical inference for financial engineering

    CERN Document Server

    Taniguchi, Masanobu; Ogata, Hiroaki; Taniai, Hiroyuki

    2014-01-01

    This monograph provides the fundamentals of statistical inference for financial engineering and covers some selected methods suitable for analyzing financial time series data. In order to describe the actual financial data, various stochastic processes, e.g. non-Gaussian linear processes, non-linear processes, long-memory processes, locally stationary processes etc. are introduced and their optimal estimation is considered as well. This book also includes several statistical approaches, e.g., discriminant analysis, the empirical likelihood method, control variate method, quantile regression, realized volatility etc., which have been recently developed and are considered to be powerful tools for analyzing the financial data, establishing a new bridge between time series and financial engineering. This book is well suited as a professional reference book on finance, statistics and statistical financial engineering. Readers are expected to have an undergraduate-level knowledge of statistics.

  4. Financial Literacy: Empirical Sociological Approaches

    Directory of Open Access Journals (Sweden)

    Henye Livia Kovacsne

    2015-05-01

    Full Text Available The recent financial crises that started in the USA and spread all over Europe highlighted the importance of research in the field of financial culture. A variety of research projects pointed out that the general population’s financial literacy is lacking basic knowledge. The ever changing economic climate, demographic changes, tendencies in the financial processing sector and the acceleration in product innovation put considerable pressure on the everyday decision making process of a household. The overview of the international and national research on the subject proves that the improving of the population’s, especially the young people’s financial literacy is a priority both in leading economic countries and in Hungary, too. The idea of financial culture is as complex as the variety of research into the topic proves it. This article aims to point out the complicated nature of the notion and the variety of research that has been inserted into it.

  5. Women and AIDS care: coping with "triple jeopardy".

    Science.gov (United States)

    Henry, K

    1995-11-01

    Women in developing countries are at "triple jeopardy" in the acquired immunodeficiency syndrome (AIDS) epidemic. As women, a combination of biological, social, and economic risk factors increase their vulnerability to human immunodeficiency virus (HIV) infection. As mothers, they can infect their children with HIV. And, as society's traditional caregivers, women are burdened with the care of sick family members. The most effective AIDS programs deliver counseling and social support to family caregivers as well as clinical management of AIDS-related illnesses and nursing care. In several African countries, the physical, financial, and emotional demands associated with home care of AIDS patients are addressed by mobile teams of health workers and counselors. Government health services and nongovernmental organizations are training village health workers to help people cope with the fear and stigma associated with AIDS. These community AIDS workers conduct formal and informal educational sessions, visit homes to provide counseling, instruct caregivers on precautions to protect themselves from infection, and refer people for HIV testing and medical treatment. A multisectoral approach to providing the mix of services required is the best strategy for maximizing program coverage while maintaining a high quality of services.

  6. AIDS: there's hope.

    Science.gov (United States)

    1993-06-01

    In 1993, 10 years after realizing that AIDS posed a threat to the future of mankind, social mobilization will improve the odds against AIDS. The objective is to create awareness about the virus, and to affect positive behavioral change through advocacy, communication, and grass-roots actions. The first goal is to change the societal attitude about the status of youth and women in order to understand that gender inequality fuels the pandemic. They are the most vulnerable groups, therefore their economic and social power must be improved. The Convention on the Rights of the Child and the Convention on the Elimination of All Forms of Discrimination against Women constitute a platform for broader action by governmental, nongovernmental, and religious institutions. In addition, these organizations need strong allies in society: 1) the media, which can communicate the importance of youth, women, and attitudes in the epidemic; 2) religious leaders, who can be powerful sources of advocacy for change in attitudes as well as support and care for AIDS-affected individuals and families; 3) policy makers, who can be crucial in changing existing policies and altering the allocation of government resources to youth and women; 4) human rights organizations, which play an important role in promoting the concept of health as a human right and for enhancing the understanding of AIDS in the context of discrimination and poverty; 5) the private sector, including commerce and industry, which can promote changes in attitude within the work force and AIDS prevention initiatives; and 6) parent-teacher groups and models for youth, who can educate them about socially acceptable and unacceptable behavior and can empower them to make responsible behavior choices. PMID:12179231

  7. Screening for AIDS.

    Science.gov (United States)

    1985-03-29

    Tests to detect serum antibody to human T-lymphotropic virus type III (HTLV-III), based on an enzyme-linked immunosorbent assay (ELISA) that uses whole disrupted HTLV-III virus antigens, are now commercially available in the US. Recent surveys of groups at high risk for acquired immunodeficiency syndrome (AIDS) have found that 22-65% of homosexual men, 87% of active intravenous drug users, 56-72% of hemophiliacs, and 35% of women who were sexual partners of men with AIDS have had postitive ELISA tests compared with fewer than 1% of those with no known risk factors. A positive ELISA test could be due to subclinical infection, immunity, or cross-reactivity with other viral antigens. Laboratory error can also produce false positive results. Thus, it is recommended that the ELISA test be repeated at least once on all seropositive specimens before the result is reported to the patient. The western blot test appears to be more specific and less sensitive than the ELISA. Studies of asymptomatic seropositive homosexual men followed for 2-5 years have found that over 50% remain asymptomatic, 5-19% develop full blown AIDS, and 25% develop signs suggestive of the AIDS-related complex. Asymptomatic patients with positive ELISA tests should be made aware of early signs and symptoms of AIDS. Other data suggest that seropositive patients have the HTLV-III virus in their blood, semen, and/or saliva and can transmit the infection. Precautions to prevent transmission, such as the use of condoms, should be taken by such patients. Physicians should be sensitive to the fear and anxiety that a positive ELISA test will create.

  8. Financial top 100

    International Nuclear Information System (INIS)

    The way in which the oil industry has rebounded from a difficult financial year was discussed. In 1998, oil prices fell by about 30 per cent from 1997 prices to average US$14.40. In the second quarter of 1999, the rebounding international markets raised oil prices by about one-third to an average US$17.60. Recent surveys have shown that the oil and gas industry will experience major changes in the decade ahead. It was forecasted that in 25 years, total Canadian oil production could near three million barrels per day, an increase of 36 per cent from today's 2.2 million. However, as conventional reserves are running out, production of conventional oil is expected to be diminished by about two-thirds. Naturally-occurring, light refinery-ready oil is forecasted to come mostly from the east coast, whereas western output will be dominated by oil sands. Natural gas will continue to be a huge growth opportunity in the west because of new pipeline expansions and exports to the United States. This paper presented a list of Canada's financial top 100 oil and gas companies which emerged with the best endurance. The list included statistics from 1997 and 1998 for gross revenues, total assets, net income, cash/operating activities, capital expenditures, closing share prices (with percentage change), and market capitalization. 1 fig., 1 tab

  9. FINANCIAL DIAGNOSIS OF STOCKS

    Directory of Open Access Journals (Sweden)

    SUCIU GHEORGHE

    2014-12-01

    Full Text Available Financial diagnosis is a part of a company’s general diagnosis. The role of the financial diagnosis is to establish the situation of the company at a given time, to see if it is viable, to help the decision-makers to take the best measures to continue or cease the activity, or to sell, buy or liquidate the company. Each entity is unique and arbitrarily applying some analysis models used by other companies can lead to significant errors. One cannot analyze in the same way a company that produces household products and a trade company. In the first one, the working capital must be positive, because permanent capitals must finance the fixed assets which have a high value, and the working capital will finance the operating cycle. In case of a trade company, a negative working capital might represent a positive activity, because the duration of the operating cycle is much shorter, and short term sources can also finance the company’s tangible assets.

  10. Financial Failures and Risk Management

    OpenAIRE

    Yener, Coskun

    2012-01-01

    Financial failures observed during global financial crisis have again underlined the importance of effective risk management. In this article, the author analyzes the best instrument, namely self discipline, official discipline and market discipline, for the effective risk management. In the light of literature review and lessons of firm/system wide financial failures, we also analyze degree of efficieny of disciplinary methods. We first conclude, however it may not provide optimal s...

  11. Samoa; Financial Sector Assessment Program

    OpenAIRE

    International Monetary Fund

    2015-01-01

    EXECUTIVE SUMMARY AND KEY RECOMMENDATIONS The Samoan financial sector is dominated by commercial banks and Public Financial Institutions (PFIs). The four commercial banks provide almost 60 percent of credit to the economy, and the most important PFIs, the Samoa National Provident Fund, and the Development Bank of Samoa, account for around 30 percent. There is also a small and shrinking offshore banking sector without linkages to the domestic financial sector. Banks are liquid and report high ...

  12. Financial Intermediation and Economic Growth

    OpenAIRE

    Dima, Bogdan; Petru-Eugen OPRIȘ

    2013-01-01

    The paper evaluates the relationship between financial intermediation and the economic growth in the developing economic systems. First, using dataset from 28 countries,between 2001 and 2010 we define a financial intermediation indicator applying EFA method. We use several dimensions of the financial intermediation: Domestic credit provided by banking sector (% of GDP); Domestic credit to private sector (% of GDP); Broad money (% of GDP); Market capitalization of listed companies (% of GDP). ...

  13. Financial Intermediation and Macroeconomic Analysis

    OpenAIRE

    Michael Woodford

    2010-01-01

    Understanding phenomena such as the recent financial crisis, and possible policy responses, requires the use of a macroeconomic framework in which financial intermediation matters for the allocation of resources. Neither standard macroeconomic models that abstract from financial intermediation nor traditional models of the "bank lending channel" are adequate as a basis for understanding the recent crisis. Instead we need models in which intermediation plays a crucial role, but in which interm...

  14. CONSOLIDATED FINANCIAL STATEMENTS UNDER IFRS

    OpenAIRE

    Tănase Alin-Eliodor; Calotă Traian-Ovidiu

    2013-01-01

    This article is focuses on accounting consolidation techniques and the preparation of consolidation worksheets for the components of financial statements (statement of comprehensive income, statement of changes in equity, and financial position). The presented group includes parent company, two subsidiaries (only one fully controlled by the parent company) and a jointly controlled entity. The financial statements are presented under the following standards IFRS 3 Business Combination, IAS 27 ...

  15. Financial Development and Property Valuation

    OpenAIRE

    Sikandar Hussain; M. Shahid Ebrahim

    2005-01-01

    This paper investigates the impact of financial development on property valuation in a rational expectations framework by modeling the agency theoretic perspective of risk averse investors (property owners) and financiers (banks/ capital markets). In contrast to previous research, we consider a setting in which financiers possess no inherent information processing or monitoring advantages. We demonstrate that property financing is undertaken in a pecking order of increasing pareto-efficiency ...

  16. Financial Fraud: A Literature Review

    OpenAIRE

    Reurink, A.

    2016-01-01

    This paper describes the empirical universe of financial fraud as it has been documented in the academic literature. More specifically, it describes the different forms of fraudulent behavior in the context of financial market activities, the prevalence and consequences of such behavior as identified by previous research, and the economic and market structures that scholars believe facilitate it. To structure the discussion, a conceptual distinction is made between three types of financial fr...

  17. Financial accounting for radiology executives.

    Science.gov (United States)

    Seidmann, Abraham; Mehta, Tushar

    2005-03-01

    The authors review the role of financial accounting information from the perspective of a radiology executive. They begin by introducing the role of pro forma statements. They discuss the fundamental concepts of accounting, including the matching principle and accrual accounting. The authors then explore the use of financial accounting information in making investment decisions in diagnostic medical imaging. The paper focuses on critically evaluating the benefits and limitations of financial accounting for decision making in a radiology practice.

  18. The Return of Financial Repression

    OpenAIRE

    Reinhart, C. M.

    2012-01-01

    Periods of high indebtedness have historically been associated with a rising incidence of default or restructuring of public and private debts. Sometimes the debt restructuring is more subtle and takes the form of “financial repression”. Consistent negative real interest rates are equivalent to a tax on bond holders and, more generally, savers. In the heavily regulated financial markets of the Bretton Woods system, a variety of financial domestic and international restrictions facilitated a s...

  19. Financial analysis of selected company

    OpenAIRE

    Petříková, Jarmila

    2013-01-01

    Financial analysis of the Kverneland Group Czech Ltd. in 2006-2011, based on accounting reports, is the main goal of the thesis. The company is dealing with sales, service and assembly of agricultural machines. This norwegian brand actually offers all of the most common aggregate machines. The paper itself is divided into four main parts. The methodical part of the financial analysis describes particular methods of the financial analysis. The theoretical part briefly describes the evoluti...

  20. Financial Innovation and Portfolio Risks

    OpenAIRE

    Alp Simsek

    2013-01-01

    I illustrate the effect of financial innovation on portfolio risks by using an example with risk-sharing needs and belief disagreements. I consider two types of innovation: product innovation, formalized as an expansion of new financial assets; and process innovation, formalized as a reduction in transaction costs. When belief disagreements are large, both types of innovation increase portfolio risks. Moreover, endogenous financial innovation is directed towards speculative assets that increa...

  1. Wealth, Financial Intermediation and Growth

    OpenAIRE

    Gaytan, Alejandro; Ranci??re, Romain

    2005-01-01

    This paper presents empirical support for the existence of wealth effects in the contribution of financial intermediation to economic growth, and offers a theoretical explanation for these effects. Using GMM dynamic panel data techniques applied to study the growth-promoting effects of financial intermediation, we show that the exogenous contribution of financial development on economic growth has different effects for different levels of income per capita. We find that this contribution is g...

  2. Financial analysis of a company

    OpenAIRE

    Ráčková, Alena

    2011-01-01

    The main aim of the financial analysis is to review and evaluate the financial situation and performance of the company in the past. This procedure should also provide the users the base for the prediction of possible future development. The procedure includes the choice of the indicators and methods, the calculation of chosen indexes, and the interpretation of returned results which can be considered as the most important part of the whole financial analysis. The findings should provide answ...

  3. FINANCIAL DEVELOPMENT AND ROMANIAN SMES

    OpenAIRE

    DANIELA-RODICA SILIVESTRU (POPESCU)

    2011-01-01

    Research has shown that financial development accelerates economic growth but little has been discussed about the disproportionate effect a country’s financial development has on the growth of its small firms. With this in mind we propose a panel data analysis of the Romanian SMEs over the period 2002-2008. The results show that financial development exerts a positive effect on small firms relative to large ones. The analysis is based on data regarding: (a) the relative size of Romanian small...

  4. Financial accounting for radiology executives.

    Science.gov (United States)

    Seidmann, Abraham; Mehta, Tushar

    2005-03-01

    The authors review the role of financial accounting information from the perspective of a radiology executive. They begin by introducing the role of pro forma statements. They discuss the fundamental concepts of accounting, including the matching principle and accrual accounting. The authors then explore the use of financial accounting information in making investment decisions in diagnostic medical imaging. The paper focuses on critically evaluating the benefits and limitations of financial accounting for decision making in a radiology practice. PMID:17411806

  5. Foreign Aid and Consumption Smoothing; Evidence From Global Food Aid

    OpenAIRE

    Erwin Tiongson; Benedict J. Clements; Sanjeev Gupta

    2003-01-01

    Global food aid is considered a critical consumption smoothing mechanism in many countries. However, its record of stabilizing consumption has been mixed. This paper examines the cyclical properties of food aid with respect to food availability in recipient countries, with a view to assessing its impact on consumption in some 150 developing countries and transition economies, covering 1970 to 2000. The results show that global food aid has been allocated to countries most in need. Food aid ha...

  6. Financial analysis of chosen enterprise

    OpenAIRE

    Nollová, Kateřina

    2014-01-01

    The Bachelor´s Thesis deals with problems of financial analysis and application of selected methods on the company Kopos Kolín plc. Based on them, it provides evalution of financial situation and economical development of the company in the period 2008 – 2012. The thesis is dividend into two parts – a theoretical and a practical one. In the theoretical past terms financial analysis, basic methods and financial analysis indicators are defined. The practical part focuses on the particular co...

  7. Genesis of enterprise financial security

    Directory of Open Access Journals (Sweden)

    Davydenko N. M.

    2015-05-01

    Full Text Available The article analyzes the scientific approaches to the definition of «financial security of entities», advantages and disadvantages of these approaches are highlighted. The own definition of financial security of entities is given. The composition of elements of enterprise financial security and principles of its provision are defined. Тhe role of individual elements of financial security to ensure high efficiency operation and development of enterprises is significant and has a direct impact on their solvency, liquidity and profitability.

  8. Malaysia; Financial Sector Stability Assessment

    OpenAIRE

    International Monetary Fund

    2013-01-01

    This assessment is a review of the financial environment of Malaysia. Like many other Asian countries, Malaysia experienced financial distress in the late 1990s, but the country’s policy reforms have moved it to a successful economy. A ten-year financial plan (2001–10) by Bank Negara Malaysia restructured the financial sector. Banks were well capitalized, household debts were strengthened, and securities and insurances were developed. Malaysia thus became the global center for Islamic fin...

  9. Chad; Financial Sector Stability Assessment

    OpenAIRE

    International Monetary Fund

    2011-01-01

    The financial stability of Chad is analyzed in this study. Chad's financial system is one of the least developed in the CEMAC region. Chad’s financial system is highly dependent on oil and agriculture, since it is a low-income country. In structuring the financial sector, the soundness and performance, short-term vulnerabilities, and supervision and crisis management of the Chadian banking system have been discussed with an emphasis on insurance and pension plans. In this study, the importa...

  10. Henan Surveys Blood Donors to Aid AIDS Prevention

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    Central China's Henan Province, one of the worst AIDS-hit provinces in the country, launched a sweeping survey in September of past blood donors to ascertain tile number of HIV-infected individuals to aid AIDS prevention and control work.

  11. Understanding Financial Innovation: An Introduction to Derivative Financial Products.

    Science.gov (United States)

    Robinson, J. N.

    1992-01-01

    Explains the use of forwards, futures, swaps, and options in international currency trading. Argues that pricing options are based on the same basic principles as pricing other financial instruments. Concludes that, although financial markets have developed several new products, hedging and speculation involve similar processes. (CFR)

  12. Program Description: Financial Master File Processor-SWRL Financial System.

    Science.gov (United States)

    Ideda, Masumi

    Computer routines designed to produce various management and accounting reports required by the Southwest Regional Laboratory's (SWRL) Financial System are described. Input data requirements and output report formats are presented together with a discussion of the Financial Master File updating capabilities of the system. This document should be…

  13. Wealth Financialization: Operating Profit as Conditioning of Financial Revenue

    Directory of Open Access Journals (Sweden)

    Andréia Ribeiro Da Luz

    2015-04-01

    Full Text Available Objective. Due to the deregulation of the financial market in 80s decade, the financialization of wealth has become a globalized systemic pattern, giving companies greater access to financial innovations. In view of the above, the objective is to analyze whether the appreciation of capital through the financial system is preferred over the capital appreciation through production.Methodology. This is a descriptive research slitting with cross-sectional perspective, in which we considered information belonging to 106 listed non-financial companies in Brazil (2004–2012.Findings. This study suggests that operating income influences financial income positively.Limitations. The study includes just industrial sector companies in a specific period.Originality/Value. We discuss measuring instruments for analyzing the wealth financialization as a condition of operating profit gains from the financial market.Copyright © 2015 Instituto Brasileiro de Inovação Financeira All rights reserved.

  14. IMPROVING FINANCIAL INCLUSION: TOWARDS A CRITICAL FINANCIAL EDUCATION FRAMEWORK

    Directory of Open Access Journals (Sweden)

    Renê Birochi

    2016-05-01

    Full Text Available Empirical research suggests that financial inclusion initiatives – such as facilitating access to financial resources or providing microcredit – are alone not enough to lower socioeconomic disparities. In this article, we adopt a critical stance as a guide for our empirical investigation. Our aim is to propose a financial education framework, tailored to low-income micro-entrepreneurs, that embraces new information and communication technologies (ICTs and seeks to improve financial inclusion and social emancipation. This empirical study was conducted in an Amazonian municipality in Brazil where recent access to ICTs has brought about important and varied socioeconomic changes. Results show that ICT-supported and tailored critical financial education can play a dual role: on the one hand, access to financial education might decrease the effects of generative mechanisms on global/local tensions, triggered by standardized ICT applications; on the other hand, such access might increase financial inclusion and social transformation through the integration of guiding principles into financial education programs.

  15. The Impact of Financial Literacy Education on Subsequent Financial Behavior

    Science.gov (United States)

    Mandell, Lewis; Klein, Linda Schmid

    2009-01-01

    This study examined the differential impact on 79 high school students of a personal financial management course completed 1 to 4 years earlier. This study used a matched sample design based on a school system's records to identify students who had and had not taken a course in personal financial management. The findings indicated that those who…

  16. Women and HIV/AIDS

    Science.gov (United States)

    ... About Us Contact Us Text size | Print | HIV/AIDS This information in Spanish ( en español ) The human ... HIV, is a sexually transmitted infection and causes acquired immunodeficiency syndrome, or AIDS. Today, about one in four Americans ...

  17. HIV / AIDS: An Unequal Burden

    Science.gov (United States)

    Skip Navigation Bar Home Current Issue Past Issues HIV / AIDS HIV / AIDS: An Unequal Burden Past Issues / Summer 2009 ... high-risk category, emphasizes Dr. Cargill. Photo: iStock HIV and Pregnancy Are there ways to help HIV- ...

  18. Ten Common First Aid Mistakes

    Science.gov (United States)

    ... for the Latest in Workplace Safety Ten Common First Aid Mistakes These days, there are countless resources to ... We’ve listed some of the most common first aid mistakes below, along with the correct response methods. ...

  19. Does Corruption Cause Aid Fatigue?

    DEFF Research Database (Denmark)

    Bauhr, Monika; Charron, Nicholas; Nasiritousi, Naghmeh

    2013-01-01

    Does perceived corruption in recipient countries reduce support for foreign aid in donor countries? This under-explored yet salient question is examined using the 2009 Eurobarometer survey for the 27 EU countries. We suggest that perceived corruption can cause aid fatigue but that this relationship...... is highly contextualized. The results show that perceptions about corruption in developing countries reduce overall support for aid among respondents in donor countries. However, this effect is mitigated by country and contextual-level effects and different understandings of what we call the “aid......-corruption paradox,” namely that the need for foreign aid is often the greatest in corrupt environments. Three different dynamics of the aid-corruption paradox influence support for aid: moral, pragmatic, and strategic understandings. In EU-15 countries, the effect of perceived corruption in recipient states on aid...

  20. Different Styles of Hearing Aids

    Science.gov (United States)

    ... aids available and offer some cosmetic and listening advantages. Photo courtesy of Phonak Click for larger image ... in place. These aids offer cosmetic and listening advantages and are used typically for adults. Photo courtesy ...