WorldWideScience

Sample records for banking tailored short-forms

  1. Short Form of the Developmental Behaviour Checklist

    OpenAIRE

    2007-01-01

    A 24-item short form of the 96-item Developmental Behaviour Checklist was developed to provide a brief measure of Total Behaviour Problem Score for research purposes. The short form Developmental Behaviour Checklist (DBC-P24) was chosen for low bias and high precision from among 100 randomly selected item sets. The DBC-P24 was developed from epidemiological data in the first three waves of the Australian Child to Adult Development study, and cross validated for groups with autism, fragile X, ...

  2. Development of short form questionnaires for the assessment of work capacity in cardiovascular rehabilitation patients

    Directory of Open Access Journals (Sweden)

    Anne Haschke

    2013-10-01

    Full Text Available Objectives: Prevention of job loss is an essential objective of cardiovascular rehabilitation. However, comprehensive and economic diagnostic instruments on work limitations are missing. The present study describes development of short form questionnaires from 2 domains of the WCIB-Cardio item banks for the assessment of work capacity in cardiovascular rehabilitation patients. Materials and Methods: 283 cardiovascular rehabilitation patients were recruited from 14 German rehabilitation clinics. Based on the WCIB-Cardio with the domains of cognitive and physical work capacity, we developed a short form for both domains. Item selection criteria were content coverage, content appropriateness, internal consistency reliability (≥ 0.8. We used correlation of person location scores of the short forms with person location scores of the full item banks to examine the extent of measurement precision. Results: For each domain of the WCIB-Cardio a short form was developed (cognitive work capacity - 14 items; physical work capacity 7 - items. In both domains psychometric properties were good (person separation index: cognitive work capacity - 0.80; physical work capacity - 0.80. Correlation measures of the short form with the full item banks showed a high accordance of person locations for both domains (cognitive work capacity: r = 0.97; physical work capacity: r = 0.95. Conclusions: The calibrated instrument WCIB-Cardio provides the possibility to develop short form questionnaires with high psychometric quality. These short forms make it possible to monitor patient's work capacity in cardiovascular rehabilitation settings in a more economical way.

  3. Measurement properties of PROMIS Sleep Disturbance short forms in a large, ethnically diverse cancer cohort

    OpenAIRE

    Jensen, Roxanne E.; King-Kallimanis, Bellinda L.; Eithne Sexton; Reeve, Bryce B.; Moinpour, Carol M.; Potosky, Arnold L.; Tania Lobo; Teresi, Jeanne A.

    2016-01-01

    AIMS: To evaluate model fit, differential item function (DIF), and construct validity of select short forms from the PROMIS® Sleep Disturbance item bank. METHODS: We recruited cancer survivors who were between 6 - 13 months post diagnosis (n = 4,956), as part of the Measuring Your Health (MY-Health) study. We measured sleep disturbance using 10 items commonly found in PROMIS Sleep Disturbance short forms (Sleep 4a, Sleep 6a, Sleep 8b), and which are frequently administered in computerized ...

  4. Developing brief fatigue short forms calibrated to a common mathematical metric: is content-balancing important?

    Directory of Open Access Journals (Sweden)

    Karon F Cook

    2010-08-01

    Full Text Available Karon F Cook1, Seung W Choi2, Kurt L Johnson1, Dagmar Amtmann11Department of Rehabilitation Medicine, University of Washington, Seattle, WA; 2Northwestern University Feinberg School of Medicine, Chicago, IL, USAAbstract: There are clinical and research settings in which concerns about respondent burden make the use of longer self-report measures impractical. Though computer adaptive testing provides an efficient strategy for measuring patient reported outcomes, the requirement of a computer interface makes it impractical for some settings. This study evaluated how well brief short forms, constructed from a longer measure of patient reported fatigue, reproduced scores on the full measure. When the items of an item bank are calibrated using an item response theory model, it is assumed that the items are fungible units. Theoretically, there should be no advantage to balancing the content coverage of the items. We compared short forms developed using a random item selection process to short forms developed with consideration of the items relation to subdomains of fatigue (ie, physical and cognitive fatigue. Scores on short forms developed using content balancing more successfully predicted full item bank scores than did scores on short forms developed by random selection of items.Keywords: psychometrics, outcomes, quality of life, measurement, fatigue

  5. Development of short form questionnaires for the assessment of work capacity in cardiovascular rehabilitation patients

    OpenAIRE

    Anne Haschke; Birgit Abberger; Markus Wirtz; Jürgen Bengel; Harald Baumeister

    2013-01-01

    Objectives: Prevention of job loss is an essential objective of cardiovascular rehabilitation. However, comprehensive and economic diagnostic instruments on work limitations are missing. The present study describes development of short form questionnaires from 2 domains of the WCIB-Cardio item banks for the assessment of work capacity in cardiovascular rehabilitation patients. Materials and Methods: 283 cardiovascular rehabilitation patients were recruited from 14 German rehabilitation clinic...

  6. Wechsler Adult Intelligence Scale: Review of short forms

    Directory of Open Access Journals (Sweden)

    Raquel Úbeda

    2016-03-01

    Full Text Available The aim of this study is to present a theoretical review of the main short forms that have been developed by several authors based on different versions of the Wechsler Adult Intelligence Scale. The development of short forms has been growing parallel to the appearance of new versions of the full scale. A short form allows estimating the intellectual capacity of someone with less time of administration, which could be very useful if the assessment objective is to obtain an overall measure of intellectual capacity.

  7. Optimal Short Forms of the Spanish WAIS (EIWA).

    Science.gov (United States)

    Demsky, Yvonne; Gass, Carlton; Edwards, William T.; Golden, Charles J.

    1998-01-01

    Investigated optimal two-, three-, four-, and five-test short forms of the Escala de Inteligencia Wechsler para Adultos (EIWA), the Spanish form of the Wechsler Adult Intelligence Scale (D. Wechsler, 1956). Results with 616 adults suggest that use of the EIWA should be limited to research and tracking cognitive changes over time. (SLD)

  8. Development of a short form of the elemental psychopathy assessment.

    Science.gov (United States)

    Lynam, Donald R; Sherman, Emily D; Samuel, Douglas; Miller, Joshua D; Few, Lauren R; Widiger, Thomas A

    2013-12-01

    The Elemental Psychopathy Assessment (EPA) is a 178-item self-report measure designed to assess the basic elements of psychopathy from a Five-Factor Model perspective: Anger, Arrogance, Callousness, Coldness, Disobliged, Distrust, Dominance, Impersistence, Invulnerable, Manipulation, Opposition, Rashness, Self-Assurance, Self-Centered, Self-Contentment, Thrill-Seeking, Unconcern, and Urgency. The present article reports on the development of a short-form version of the EPA in two large undergraduate samples using item response theory. The validity of the resultant, 72-item, item response theory-derived short form is compared against the validity for the full scale in the undergraduate samples and smaller forensic sample. Results indicate that the 18 subscales of the EPA short form remain relatively reliable, possess an internal structure virtually identical to the full version, and manifest highly similar correlational profiles to a variety of criterion measures. The EPA short form is offered as a viable assessment of psychopathy when assessment time is limited. Implications of these findings are discussed. PMID:23996849

  9. Rasch Analysis of the Geriatric Depression Scale--Short Form

    Science.gov (United States)

    Chiang, Karl S.; Green, Kathy E.; Cox, Enid O.

    2009-01-01

    Purpose: The purpose of this study was to examine scale dimensionality, reliability, invariance, targeting, continuity, cutoff scores, and diagnostic use of the Geriatric Depression Scale-Short Form (GDS-SF) over time with a sample of 177 English-speaking U.S. elders. Design and Methods: An item response theory, Rasch analysis, was conducted with…

  10. Differential item functioning in Patient Reported Outcomes Measurement Information System® (PROMIS®) Physical Functioning short forms: Analyses across ethnically diverse groups

    OpenAIRE

    Jones, Richard N.; Doug Tommet; Mildred Ramirez; Roxanne Jensen; Teresi, Jeanne A.

    2016-01-01

    We analyzed physical functioning short form items derived from the PROMIS® item bank (PF16) using data from more than 5,000 recently diagnosed, ethnically diverse cancer patients. Our goal was to determine if the short form items demonstrated evidence of differential item functioning (DIF) according to sociodemographic characteristics in this clinical sample. We evaluated respons-es for evidence of unidimensionality, local independence (given a single common factor), differen-tial item functi...

  11. Young Schema Questionnaire-Short Form: Colombian validation [Young Schema Questionnaire – Short Form, Validación en Colombia

    OpenAIRE

    Nora Helena Londoño Arredondo; Esther Calvete; Alberto Ferrer; Liliana Chaves; Diego Castrillón; Mónica Schnitter; Carlos Marín; Katherine Maestre

    2012-01-01

    The aim of this study was to assess the factor structure of the Young Schema Questionnaire-Short Form ([YSQ-SF], Young, 1999) and the gender differences in early maladaptive schemas. The study took place in Colombia, where 1392 university students (541 male y 851 female) completed the YSQ-SF. The results confirmed the existence of the original 15 first-order factors, in consistency with the 15 theoretical schemas. However, the results for the second-order structure were less conclusive, as bo...

  12. A Short Form of the Trauma Symptom Checklist for Children.

    Science.gov (United States)

    Wherry, Jeffrey N; Huffhines, Lindsay P; Walisky, Desiree N

    2016-02-01

    The purpose of the current study was to develop a short form (SF) of the Trauma Symptom Checklist for Children (TSCC). The TSCC-SF) maintained 29 items, from the original 54 items, in a sample (N = 215) of sexually abused children who were seeking treatment at a child advocacy center. Exploratory factor analysis refined the original measure, and confirmatory factor analysis provided evidence for best fit for a six-factor, 29-item model. The TSCC-SF evidenced good internal reliability and showed convergent validity with child ratings of post-traumatic stress disorder (PTSD) symptoms obtained from the University of California at Los Angeles PTSD Reaction Index. The TSCC-SF has promise as a shorter assessment measure with sexually abused children in numerous settings, including child advocacy centers and pediatric clinics, where efficient screening and assessment are essential for providing the best standard of care. PMID:26655211

  13. Young Schema Questionnaire-Short Form: Colombian validation [Young Schema Questionnaire – Short Form, Validación en Colombia

    Directory of Open Access Journals (Sweden)

    Nora Helena Londoño Arredondo

    2012-03-01

    Full Text Available The aim of this study was to assess the factor structure of the Young Schema Questionnaire-Short Form ([YSQ-SF], Young, 1999 and the gender differences in early maladaptive schemas. The study took place in Colombia, where 1392 university students (541 male y 851 female completed the YSQ-SF. The results confirmed the existence of the original 15 first-order factors, in consistency with the 15 theoretical schemas. However, the results for the second-order structure were less conclusive, as both a three second order factor and a five second order factor structures showed similar fit indices. Alpha coefficients for the schemas rated between 0.74 and 0.89. Men scored higher than women on several schemas.

  14. Test-Retest Reproducibility of Two Short-Form Balance Measures Used in Individuals with Stroke

    Science.gov (United States)

    Liaw, Lih-Jiun; Hsieh, Ching-Lin; Hsu, Miao-Ju; Chen, Hui-Mei; Lin, Jau-Hong; Lo, Sing-Kai

    2012-01-01

    The aim of this study is to determine the test-retest reproducibility of the seven-item Short-Form Berg Balance Scale (SFBBS) and the five-item Short-Form Postural Assessment Scale for Stroke Patients (SFPASS) in individuals with chronic stroke. Fifty-two chronic stroke patients from two rehabilitation departments were included in the study. Both…

  15. 48 CFR 52.249-4 - Termination for Convenience of the Government (Services) (Short Form).

    Science.gov (United States)

    2010-10-01

    ... Convenience of the Government (Services) (Short Form). 52.249-4 Section 52.249-4 Federal Acquisition... termination: Termination for Convenience of the Government (Services) (Short Form) (APR 1984) The Contracting... CONTRACT CLAUSES Text of Provisions and Clauses 52.249-4 Termination for Convenience of the...

  16. Item Selection for the Development of Short Forms of Scales Using an Ant Colony Optimization Algorithm

    Science.gov (United States)

    Leite, Walter L.; Huang, I-Chan; Marcoulides, George A.

    2008-01-01

    This article presents the use of an ant colony optimization (ACO) algorithm for the development of short forms of scales. An example 22-item short form is developed for the Diabetes-39 scale, a quality-of-life scale for diabetes patients, using a sample of 265 diabetes patients. A simulation study comparing the performance of the ACO algorithm and…

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

    Science.gov (United States)

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

    2011-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Sung Hyun Yun

    2010-10-01

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

  19. Differential item functioning in Patient Reported Outcomes Measurement Information System® (PROMIS® Physical Functioning short forms: Analyses across ethnically diverse groups

    Directory of Open Access Journals (Sweden)

    Richard N. Jones

    2016-06-01

    Full Text Available We analyzed physical functioning short form items derived from the PROMIS® item bank (PF16 using data from more than 5,000 recently diagnosed, ethnically diverse cancer patients. Our goal was to determine if the short form items demonstrated evidence of differential item functioning (DIF according to sociodemographic characteristics in this clinical sample. We evaluated respons-es for evidence of unidimensionality, local independence (given a single common factor, differen-tial item functioning, and DIF impact. DIF was evaluated attributable to sex, age (middle aged vs. younger and older, race/ethnicity (White vs. Black or African-American, Asian/Pacific Islander, Hispanic and level of education. We used a multiple group confirmatory factor analysis with covariates approach, a multiple indicators multiple causes (MIMIC model. We confirmed essential unidimensionality but some evidence for multidimensionality is present, particularly for basic activities of daily living items, and many instances of local dependence. The presence of local dependence calls for further review of the meaning and measurement of the physical functioning domain among cancer patients. Nearly every item demonstrated statistically significant DIF. In all group comparisons the impact of DIF was negligible. However, the Hispanic subgroup comparison revealed an impact estimate just below an arbitrary threshold for small impact. Within the limitations of local dependency violations, we conclude that items from a static short form derived from the PROMIS physical functioning item bank displayed trivial and ignorable DIF attributable to sex, race, ethnicity, age, and education among cancer patients.

  20. The dimensional structure of short forms of the Wisconsin Schizotypy Scales.

    Science.gov (United States)

    Gross, Georgina M; Silvia, Paul J; Barrantes-Vidal, Neus; Kwapil, Thomas R

    2015-08-01

    The Wisconsin Schizotypy Scales (WSS) are widely used for assessing schizotypy. Confirmatory factor analysis (CFA) indicates that a two-factor structure, positive and negative schizotypy, underlies these scales. Recently developed 15-item short forms of the WSS demonstrated good reliability and validity. This study examined the factor structure underlying the short-form WSS. Consistent with the original scales, CFA on three large samples (n=6137, 2171, and 2292, respectively) indicated that a two-factor model with positive and negative dimensions provided better fit than a generic schizotypy model for the short-form WSS. The short-form dimensions correlated highly with the original scale dimensions and displayed good stability across 10weeks. Preliminary construct validity was demonstrated through associations with interview and questionnaire measures of psychopathology, functioning, and personality comparable to those found with the original WSS. This is the first study examining the dimensional structure of the short WSS and the validity of these dimensions. The findings support the multidimensional nature of schizotypy and the appropriateness of dimensions derived from the short-form WSS. PMID:26036815

  1. General population norms of the Swedish short forms of oral health impact profile.

    Science.gov (United States)

    Larsson, P; John, M T; Hakeberg, M; Nilner, K; List, T

    2014-04-01

    We reported the development and psychometric evaluation of a Swedish 14-item and a five-item short form of the Oral Health Impact Profile. The 14-item version was derived from the English-language short form developed by Slade in1997. The five-item version was derived from the German-language short form developed by John et al. in 2006. Validity, reliability and normative values for the two short form summary scores were determined in a random sample of the adult Swedish population (response rate: 46%, N = 1366 subjects). Subjects with sufficient OHRQoL information to calculate a summary score (N = 1309) were on average 50·1 ± 17.4 years old, and 54% were women. Short form summary scores correlated highly with the 49-item OHIP-S (r ≥ 0.97 for OHIP-S14, r ≥ 0.92 for OHIP-S5) and with self-report of oral health (r ≥ 0.41). Reliability, measured with Cronbach's alpha (0.91 for OHIP-S14, 0.77 for OHIP-S5), was sufficient. In the general population, 50% of the subjects had ≥2 OHIP-S14 score points and 10% had ≥11 points, respectively. Among subjects with their own teeth only and/or fixed dental prostheses and with partial removable dental prostheses, 50% of the population had ≥2 OHIP-S14 score points, and 10% had ≥11 points. For subjects with complete dentures, the corresponding figures were 3 and 24 points. OHIP-S5 medians for subjects in the three population groups were 1, 1 and 2 points. Swedish 14-item and 5-item short forms of the OHIP have sufficient psychometric properties and provide a detailed overview about impaired OHRQoL in Sweden. The norms will serve as reference values for future studies. PMID:24447237

  2. Preliminary Evaluation of the Childhood Experiences of Violence Questionnaire Short Form

    Science.gov (United States)

    Tanaka, Masako; Wekerle, Christine; Leung, Eman; Waechter, Randall; Gonzalez, Andrea; Jamieson, Ellen; MacMillan, Harriet L.

    2012-01-01

    Despite advances in child maltreatment research, accurate measurement of exposure remains a key issue. In this study, we evaluated a short form (CEVQ-SF) of the Childhood Experiences of Violence Questionnaire (CEVQ) in a sample of adolescents involved with child protection services in an urban city in Ontario, Canada. Focusing on the two most…

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

    Science.gov (United States)

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

    2015-01-01

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

  4. Texas Christian University (TCU) Short Forms for Assessing Client Needs and Functioning in Addiction Treatment

    Science.gov (United States)

    Simpson, D. Dwayne; Joe, George W.; Knight, Kevin; Rowan-Szal, Grace A.; Gray, Julie S.

    2012-01-01

    The TCU Short Forms contain a revised and expanded set of assessments for planning and managing addiction treatment services. They are formatted as brief (one-page) forms to measure client needs and functioning, including drug use severity and history (TCUDS II), criminal thinking and cognitive orientation (CTSForm), motivation and readiness for…

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

    Science.gov (United States)

    Haines, Janet; Wilson, George V.

    1988-01-01

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

  6. The Physician Values in Practice Scale-Short Form: Development and Initial Validation

    Science.gov (United States)

    Rogers, Mary E.; Creed, Peter A.; Searle, Judy; Hartung, Paul J.

    2011-01-01

    The authors conducted two studies to develop and test a short form of the 60-item Physician Values in Practice Scale (PVIPS). The PVIPS, which draws on the theory of work adjustment for its theoretical base, measures personal values specific to medical occupations. In Study 1, 217 first- and final-year medical students completed a Web-based…

  7. Validity of the Short Form of the Parenting Stress Index for Fathers of Toddlers

    Science.gov (United States)

    McKelvey, Lorraine M.; Whiteside-Mansell, Leanne; Faldowski, Richard A.; Shears, Jeffrey; Ayoub, Catherine; Hart, Andrea D.

    2009-01-01

    We examined the psychometric properties of two scales of the parenting stress index-short form (PSI-SF) in a low-income sample of fathers of toddlers. The factor structure, reliability, and validity of the parental distress and parent-child dysfunctional interaction subscales were assessed for 696 fathers in a multi-site study of Early Head Start.…

  8. Tailored ceramics

    International Nuclear Information System (INIS)

    In polyphase tailored ceramic forms two distinct modes of radionuclide immobilization occur. At high waste loadings the radionuclides are distributed through most of the ceramic phases in dilute solid solution, as indicated schematically in this paper. However, in the case of low waste loadings, or a high loading of a waste with low radionuclide content, the ceramic can be designed with only selected phases containing the radionuclides. The remaining material forms nonradioactive phases which provide a degree of physical microstructural isolation. The research and development work with polyphase ceramic nuclear waste forms over the past ten years is discussed. It has demonstrated the critical attributes which suggest them as a waste form for future HLW disposal. From a safety standpoint, the crystalline phases in the ceramic waste forms offer the potential for demonstrable chemical durability in immobilizing the long-lived radionuclides in a geologic environment. With continued experimental research on pure phases, analysis of mineral analogue behavior in geochemical environments, and the study of radiation effects, realistic predictive models for waste form behavior over geologic time scales are feasible. The ceramic forms extend the degree of freedom for the economic optimization of the waste disposal system

  9. Texas Christian University (TCU) Short Forms for Assessing Client Needs and Functioning in Addiction Treatment

    OpenAIRE

    SIMPSON, D. DWAYNE; Joe, George W.; KNIGHT, KEVIN; Rowan-Szal, Grace A.; GRAY, JULIE S.

    2012-01-01

    The TCU Short Forms contain a revised and expanded set of assessments for planning and managing addiction treatment services. They are formatted as brief (1-page) forms to measure client needs and functioning, including drug use severity and history (TCUDS II), criminal thinking and cognitive orientation (CTSForm), motivation and readiness for treatment (MOTForm), psychological functioning (PSYForm), social relations and functioning (SOCForm), and therapeutic participation and engagement (ENG...

  10. The Behaviour Problems Inventory-Short Form: Reliability and Factorial Validity in Adults with Intellectual Disabilities

    Science.gov (United States)

    Mascitelli, Andréa N.; Rojahn, Johannes; Nicolaides, Vias C.; Moore, Linda; Hastings, Richard P.; Christian-Jones, Ceri

    2015-01-01

    Background: The Behaviour Problems Inventory-Short Form (BPI-S) is a spin-off of the BPI-01 that was empirically developed from a large BPI-01 data set. In this study, the reliability and factorial validity of the BPI-S was investigated for the first time on newly collected data from adults with intellectual disabilities. Methods: The sample…

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

    OpenAIRE

    Morrison, Alexandra B.

    2014-01-01

    Mindfulness training (MT) is a form of mental training in which individuals engage in exercises to cultivate an attentive, present centered, and non-reactive mental mode. The present study examines the putative benefits of MT in University students for whom mind wandering can interfere with learning and academic success. We tested the hypothesis that short-form MT (7 hours over 7 weeks) contextualized for the challenges and concerns of University students may reduce mind wandering and improve...

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

    Science.gov (United States)

    Helmreich, R.; Stapp, J.

    1974-01-01

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

  13. Psychometric properties of a short form of the Affective Lability Scale (ALS-18)

    OpenAIRE

    Look, Amy E.; Flory, Janine D.; Harvey, Philip D.; Siever, Larry J.

    2010-01-01

    Psychometric properties of a short form of the Affective Lability Scale (ALS) that was developed in a nonclinical sample (i.e., undergraduate students) were examined in a sample of people diagnosed with Cluster B DSM-IV Axis II personality disorders (n=236), other personality disorders (n=180), and healthy comparison participants (n=164). The total score of the ALS-18 score correlated strongly with the original 54-item scale (r = .97) and aspects of convergent and discriminant validity of the...

  14. Measuring the phenomenology of autobiographical memory: A short form of the Memory Experiences Questionnaire.

    Science.gov (United States)

    Luchetti, Martina; Sutin, Angelina R

    2016-01-01

    The Memory Experiences Questionnaire (MEQ) is a theoretically driven and empirically validated 63-item self-report scale designed to measure 10 phenomenological qualities of autobiographical memories: Vividness, Coherence, Accessibility, Time Perspective, Sensory Details, Visual Perspective, Emotional Intensity, Sharing, Distancing and Valence. To develop a short form of the MEQ to use when time is limited, participants from two samples (N = 719; N = 352) retrieved autobiographical memories, rated the phenomenological experience of each memory and completed several scales measuring psychological distress. For each MEQ dimension, the number of items was reduced by one-half based on item content and item-total correlations. Each short-form scale had acceptable internal consistency (median alpha = .79), and, similar to the long-form version of the scales, the new short scales correlated with psychological distress in theoretically meaningful ways. The new short form of the MEQ has similar psychometric proprieties as the original long form and can be used when time is limited. PMID:25894806

  15. 48 CFR 52.249-1 - Termination for Convenience of the Government (Fixed-Price) (Short Form).

    Science.gov (United States)

    2010-10-01

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

  16. Selection of questions to short-form versions of original psychometric instruments in MoBa

    OpenAIRE

    Kristian Tambs; Espen Røysamb

    2014-01-01

    Original psychometric instruments are usually too lengthy and space-consuming to be suitable for general population based health studies. Usually, however, they can be abbreviated without losing more measurement precision than what can be accepted in such studies. Here we demonstrate that short-form versions of three instruments which are part of the MoBa study, and which include from one third to half the items in the original versions, correlate from 0.90 to 0.96 with the original version. ...

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

    Science.gov (United States)

    Chapman, Paula L; Mullis, Ann K

    2002-12-01

    The short form of the Coopersmith Self-Esteem Inventory (SEI) was evaluated for gender bias. The authors replicated a study by L. Francis and D. James (1998) and administered the SEI to 361 middle and high school students (146 boys, 2l5 girls). They found that gender bias existed in 6 of the 25 items on the SEI, with 5 of those items favoring boys. Because recent literature indicates that male and female adolescents experience problems in different areas of their lives, the authors suggest that researchers consider such differences when selecting items for a standardized measure. PMID:12495227

  18. Evaluation of the Iranian Mini Nutritional Assessment Short-Form in Community-dwelling Elderly

    OpenAIRE

    Aida Malek Mahdavi; Reza Mahdavi; Mohammad Lotfipour; Mohammad Asghari Jafarabadi; Elnaz Faramarzi

    2015-01-01

    Background: This study was aimed to assess agreement and diagnostic accuracy of the Iranian version of Mini Nutritional Assessment short-form (MNA-SF) against the original MNA, as a gold standard in community-dwelling elderly. Methods: The full MNA and 9-item MNA-SF comprising questions regarding clinical status, dietary assessment and self-perception of health status and nutri-tion together with mid-arm and calf circumference measurements without in-cluding the body mass index (BMI)...

  19. Validation of the Buss-Perry Aggression Questionnaire-Short Form among Portuguese juvenile delinquents.

    Science.gov (United States)

    Pechorro, Pedro; Barroso, Ricardo; Poiares, Carlos; Oliveira, João Pedro; Torrealday, Ohiana

    2016-01-01

    The aim of the present study was to validate the Buss-Perry Aggression Questionnaire-Short Form (BPAQ-SF) among Portuguese juvenile delinquents. With a total sample of 237 male participants, subdivided into an incarcerated forensic sample (n=192) and a community sample (n=45), the Portuguese version of the BPAQ-SF demonstrated good psychometric properties in terms of factor structure, internal consistency, convergent validity, discriminant validity, predictive validity and known-groups validity that generally justify its use among Portuguese youth. Statistically significant associations were found with drug use and alcohol abuse. PMID:26303901

  20. Cognitive impairment as assessed by a short form of MMSE was predictive of mortality

    DEFF Research Database (Denmark)

    Schultz-Larsen, Kirsten; Rahmanfard, Naghmeh; Kreiner, Svend; Avlund, Kirsten; Holst, Claus

    2008-01-01

    OBJECTIVE: This study explores the association between cognitive impairment and mortality in late senescence. A specific purpose was to validate the ability of a short form of the Mini-Mental State Examination (MMSE) in predicting mortality. STUDY DESIGN AND SETTING: The cognition-mortality link......, as assessed by the original MMSE and D-MMSE (a subscale associated to dementia) was estimated on a community sample of 1,111 older people using Cox proportional hazards models. RESULTS: Impaired cognitive function as assessed by both the original MMSE and D-MMSE predicted mortality in older men and...

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

    Directory of Open Access Journals (Sweden)

    Quentin J M Huys

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

  2. While We Wait for Life, Life Passes: The Time Metaphors Questionnaire-Short Form.

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    Sobol-Kwapinska, Malgorzata; Przepiorka, Aneta; Nosal, Czeslaw

    2016-01-01

    The aim of the present study was to develop a short version of the Time Metaphors Questionnaire (TMQ; Sobol-Kwapinska & Nosal, 2009 ). The original TMQ consists of 95 items and was designed to measure time conceiving. Because completing the TMQ is very time-consuming, this research develops a short form of this questionnaire-Time Metaphors Questionnaire-Short Form (TMQ-SF). A sample of 990 Polish adults completed the TMQ. One-half of the sample was used to construct the TMQ-SF by selecting items based on the exploratory factor analysis. The other half of the sample was used to cross-validate the factorial structure of the TMQ-SF by means of confirmatory factor analysis. The TMQ-SF presented high internal consistency and a clear three-factor structure. The convergent and discriminant validity were assessed based on comparison with the Big Five factors of personality, satisfaction with life, positive and negative affect, time perspective, and mindfulness. PMID:27410054

  3. Development of a Short Form of the Five-Factor Borderline Inventory.

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    DeShong, Hilary L; Mullins-Sweatt, Stephanie N; Miller, Joshua D; Widiger, Thomas A; Lynam, Donald R

    2016-06-01

    The Five-Factor Borderline Inventory (FFBI) is a 120-item dimensional measure of borderline personality disorder (BPD) that was developed from the description of BPD from the perspective of the Five-Factor Model. The FFBI includes 12 subscales and 1 total score. The current study created a short form of the FFBI (FFBI-SF) using item response theory analyses based on an undergraduate student sample that completed the FFBI. Based on the results, the final FFBI-SF included 48 items, with 4 items per subscale. The construct validity of the short form was compared with the original FFBI in five additional samples. The FFBI-SF showed strong convergence with other BPD scales and comparable convergent and discriminant validity with the FFM compared with the FFBI. The correlational profiles generated by the total score and subscales were highly convergent. Results of the current study suggest that the FFBI-SF may be an accessible and useful assessment tool of BPD. PMID:25882163

  4. Measurement equivalence of the Patient Reported Outcomes Measurement Information System® (PROMIS® Pain Interference short form items: Application to ethnically diverse cancer and palliative care populations

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    Jeanne A. Teresi

    2016-06-01

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

  5. Incremental Validity of the Trait Emotional Intelligence Questionnaire-Short Form (TEIQue-SF).

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    Siegling, A B; Vesely, Ashley K; Petrides, K V; Saklofske, Donald H

    2015-01-01

    This study examined the incremental validity of the adult short form of the Trait Emotional Intelligence Questionnaire (TEIQue-SF) in predicting 7 construct-relevant criteria beyond the variance explained by the Five-factor model and coping strategies. Additionally, the relative contributions of the questionnaire's 4 subscales were assessed. Two samples of Canadian university students completed the TEIQue-SF, along with measures of the Big Five, coping strategies (Sample 1 only), and emotion-laden criteria. The TEIQue-SF showed consistent incremental effects beyond the Big Five or the Big Five and coping strategies, predicting all 7 criteria examined across the 2 samples. Furthermore, 2 of the 4 TEIQue-SF subscales accounted for the measure's incremental validity. Although the findings provide good support for the validity and utility of the TEIQue-SF, directions for further research are emphasized. PMID:25830494

  6. Psychometric Analysis of the Short-Form Emotional Skills and Competence Questionnaire in Undergraduate Nurse students

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    Shahram Vahedi

    2009-12-01

    Full Text Available "nObjective: The main purpose of this study was to validate the short-form of the Emotional Skills and Competence Questionnaire (ESCQ Scale among Iranian undergraduate students.  Method: A total of 250 nurse undergraduate students participated in this study. Participants completed the ESCQ in addition to measures of Sheering Emotional Intelligence Questionnaire and Student's Demographic Questionnaire. "n Results: Exploratory factor analysis resulted in three factors that were largely consistent with the a priori scale structure. These factors included such dimensions as appraisal of others' emotions, managing and regulating emotion and specifying and understanding the individuals' own emotions. "nConclusions : The results provide initial support for the construct validity of the self- report version of the ESCQ in nurse students.

  7. Measuring Effortful Control Using the Children's Behavior Questionnaire-Very Short Form: Modeling Matters.

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    Backer-Grøndahl, Agathe; Nærde, Ane; Ulleberg, Pål; Janson, Harald

    2016-01-01

    Effortful control (EC) is an important concept in the research on self-regulation in children. We tested 2 alternative factor models of EC as measured by the Children's Behavior Questionnaire-Very Short Form (CBQ-VSF; Putnam & Rothbart, 2006 ) in a large sample of preschoolers (N = 1,007): 1 lower order and 1 hierarchical second-order structure. Additionally, convergent and predictive validity of EC as measured by the CBQ-VSF were investigated. The results supported a hierarchical model. Moderate convergent validity of the second-order latent EC factor was found in that it correlated with compliance and observed EC tasks. Both CBQ-VSF EC measures were also negatively correlated with child physical aggression. The results have implications for the measurement, modeling, and interpretation of EC applying the CBQ. PMID:26156045

  8. Social and Emotional Competencies Evaluation Questionnaire-Teacher's Version: Validation of a Short Form.

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    Coelho, Vitor A; Sousa, Vanda; Marchante, Marta

    2016-08-01

    The Social and Emotional Competencies Evaluation Questionnaire-Teacher's version, Short Form (QACSE-P-SF) allows teachers to assess their students' social and emotional competencies, having been designed for program evaluation. Thirty-nine teachers completed the QACSE-P-SF, regarding 657 students (fourth to ninth grades). Factor analyses supported a six-factor structure with acceptable internal consistency. Sex differences were found with teachers reporting girls as having higher scores on Self-Control, Social Awareness, Relationship Skills, and Responsible Decision Making. Developmental differences were also found with fourth-grade students presenting higher levels of Social Awareness and Relationship Skills than older students. The final version of the QACSE-P-SF is composed by 30 items, organized into six scales and less time consuming than the previous version for teachers who need to assess full classes. PMID:27356548

  9. Life Satisfaction Index: Italian version and validation of a short form.

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    Franchignoni, F; Tesio, L; Ottonello, M; Benevolo, E

    1999-01-01

    The Life Satisfaction Index-version A (LSIA) is a 20-item questionnaire providing a cumulative score acknowledged as a valid index of quality of life. In the present study, an Italian version was produced through validated procedures of repeated back-translations. The final Italian version (LSIA.it) was administered to 90 healthy subjects (55 women; aged 40-65 yr, median 51). Cronbach alpha was 0.74, in agreement with previous studies on English, Greek, and Spanish versions, suggesting satisfactory internal consistency of the scale. Also in agreement with previous studies, factor analysis identified three factors (mood tone, zest for life, and congruence between desired and achieved goals), with eigenvalues of 2.80, 1.72, and 1.34, respectively. Nine of the original 20 items were dropped because of inconsistency with the overall scale and/or because of ambiguous loading onto the extracted factors. The resulting 11-item short form (LSI-11) had alpha = 0.69 and Kaiser-Meyer-Olkin measure of sample adequacy = 0.65. In our sample, the mean score of LSIA.it was almost the same as that previously reported in the literature for LSIA, and the correlation between LSIA and LSI-11 was very high (r = 0.91). In a test-retest trial, the cumulative score of LSI-11 showed a percentage of agreement ranging from 73.9 to 100 and Cohen's k statistic for reliability ranging from 0.51 to 1. The individual items of the LSI-11 presented substantial (k > 0.6) to excellent (k > 0.8) levels of agreement. The responsiveness of LSIA and LSI-11 during a hospital stay for 30 consecutive inpatients for medical rehabilitation programs, as measured by effect size, was 0.57 and 0.63, respectively. The results suggest that (1) the LSIA it has cultural equivalence with the English LSIA and that (2) the 11-item short form of LSIA is not only simpler but also more valid from a psychometric standpoint. PMID:10574165

  10. Bifactor analysis of the mental health continuum-short form (MHC-SF).

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    de Bruin, Gideon P; du Plessis, Graham A

    2015-04-01

    This report examined the factor structure of the Mental Health Continuum-Short Form (MHC-SF) using bifactor analysis to evaluate a general well-being factor and the three group factors that correspond with emotional, social, and psychological well-being. Using a sample of 902 South African psychology students (M age=21.1 yr., SD=2.7), the MHC-SF was examined using confirmatory factor models, (1) a one-factor model conceptualizing well-being as unidimensional, (2) a correlated three-factor model corresponding with Keyes' model, and (3) a bifactor solution with a general well-being factor and three orthogonalized group factors. The bifactor solution fitted the best and evidenced a strong general well-being factor and three comparatively weak residualized group factors. These findings contribute to the literature by facilitating an examination of the strength of a general well-being factor as contrasted with the multidimensional components of emotional, social, and psychological well-being and advance a case for the interpretation of both the general and multidimensional components. The results inform considerations regarding the employ of the scale in statistical procedures such as multiple regression analysis and structural equation modeling. PMID:25730745

  11. Further statistical and clinical validity for the Weight Efficacy Lifestyle Questionnaire-Short Form.

    Science.gov (United States)

    Ames, Gretchen E; Heckman, Michael G; Diehl, Nancy N; Grothe, Karen B; Clark, Matthew M

    2015-08-01

    Identifying barriers to long-term adherence to reduced energy intake and increased physical activity level is critically important for obese patients seeking weight loss treatment. Previous research has identified that one such barrier is low eating self-efficacy or poor confidence in one's ability to control eating behavior in the presence of challenging situations. Accordingly, a valid, brief measure of eating self-efficacy for longitudinal assessment of weight loss and regain is needed. The purpose of this study was to test the internal consistency and clinical validity of the Weight Efficacy Lifestyle Questionnaire-Short Form (WEL-SF). Participants were 1740 consecutive obese patients who presented for a psychological evaluation in consideration for bariatric surgery. Median BMI was 44.9 (range: 35.0-111.9), age 48.7years (range: 18.9-77.3years), and patients were predominantly female (71.1%) and Caucasian (90.8%). The median WEL-SF total score was 56 (range: 0-80) and Cronbach's alpha measuring internal consistency was 0.92 with a one-factor structure. In terms of clinical validation, lower WEL-SF total scores were significantly associated with higher rates of binge eating episodes (Pmeasure of eating self-efficacy. PMID:26042918

  12. Measurement development and validation of the Family Supportive Supervisor Behavior Short-Form (FSSB-SF).

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    Hammer, Leslie B; Ernst Kossek, Ellen; Bodner, Todd; Crain, Tori

    2013-07-01

    Recently, scholars have demonstrated the importance of Family Supportive Supervisor Behaviors (FSSB), defined as behaviors exhibited by supervisors that are supportive of employees' family roles, in relation to health, well-being, and organizational outcomes. FSSB was originally conceptualized as a multidimensional, superordinate construct with four subordinate dimensions assessed with 14 items: emotional support, instrumental support, role modeling behaviors, and creative work-family management. Retaining one item from each dimension, two studies were conducted to support the development and use of a new FSSB-Short Form (FSSB-SF). Study 1 draws on the original data from the FSSB validation study of retail employees to determine whether the results using the 14-item measure replicate with the shorter 4-item measure. Using data from a sample of 823 information technology professionals and their 219 supervisors, Study 2 extends the validation of the FSSB-SF to a new sample of professional workers and new outcome variables. Results from multilevel confirmatory factor analyses and multilevel regression analyses provide evidence of construct and criterion-related validity of the FSSB-SF, as it was significantly related to work-family conflict, job satisfaction, turnover intentions, control over work hours, obligation to work when sick, perceived stress, and reports of family time adequacy. We argue that it is important to develop parsimonious measures of work-family specific support to ensure supervisor support for work and family is mainstreamed into organizational research and practice. PMID:23730803

  13. Short form of the Changes in Outlook Questionnaire: Translation and validation of the Chinese version

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    Zang Yinyin

    2012-04-01

    Full Text Available Abstract Background The Changes in Outlook Questionnaire (CiOQ is a self-report instrument designed to measure both positive and negative changes following the experience of severely stressful events. Previous research has focused on the Western context. The aim of this study is to translate the short form of the measure (CiOQ-S into simplified Chinese and examine its validity and reliability in a sample of Chinese earthquake survivors. Method The English language version of the 10-item CiOQ was translated into simplified Chinese and completed along with other measures in a sample of earthquake survivors (n = 120. Statistical analyses were performed to explore the structure of the simplified Chinese version of CiOQ-S (CiOQ-SCS, its reliability and validity. Results Principal components analysis (PCA was conducted to test the structure of the CiOQ-SCS. The reliability and convergent validity were also assessed. The CiOQ-SCS demonstrated a similar factor structure to the English version, high internal consistency and convergent validity with measures of posttraumatic stress symptoms, anxiety and depression, coping and social support. Conclusion The data are comparable to those reported for the original version of the instrument indicating that the CiOQ-SCS is a reliable and valid measure assessing positive and negative changes in the aftermath of adversity. However, the sampling method cannot permit us to know how representative our samples were of the earthquake survivor population.

  14. Evaluation of the Iranian Mini Nutritional Assessment Short-Form in Community-dwelling Elderly

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    Aida Malek Mahdavi

    2015-07-01

    Full Text Available Background: This study was aimed to assess agreement and diagnostic accuracy of the Iranian version of Mini Nutritional Assessment short-form (MNA-SF against the original MNA, as a gold standard in community-dwelling elderly. Methods: The full MNA and 9-item MNA-SF comprising questions regarding clinical status, dietary assessment and self-perception of health status and nutri-tion together with mid-arm and calf circumference measurements without in-cluding the body mass index (BMI were completed for 205 volunteers aged 65 or older recruited from all over Markazi Province (Iran. Correlation, diagnostic accuracy and agreement between the MNA-SF and full MNA were calculated. Results: The MNA and the MNA-SF classified 45.4% and 64.4% of the sub-jects as malnourished or at risk of malnutrition, respectively. Substantial agree-ment between the MNA-SF and full MNA was observed (Kappa=0.633. The MNA-SF correlated strongly with the full MNA (r=0.868, P<0.001. The MNA-SF showed high sensitivity (96.77% and negative predictive values (95.89%, relatively high specificity (62.5% and positive predictive values (68.18% and fair accuracy (Area under curve =0.796. Conclusion: Iranian MNA-SF seems to be an applicable screening tool for quick detection of malnutrition or at risk of malnutrition in community-dwelling elderly especially when BMI is unavailable.

  15. The effect of mood on responses to the Young Schema Questionnaire: short form.

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    Stopa, Lusia; Waters, Anne

    2005-03-01

    The schema concept has had an important role in both early and more recent accounts of psychopathology. Schemas are underlying cognitive structures that are thought to create vulnerability to disorders, because they act as templates for the perception, encoding, storage, and retrieval of information. Recent approaches to the understanding and treatment of personality disorders give schemas particular prominence, and the concept of early maladaptive schemas forms the cornerstone of Young's (1999) schema-focused cognitive therapy. The aim of this paper is to examine the effect of mood on responses to the Young Schema Questionnaire--short form (YSQ-S; Young, 1998). A sample of 50 non-clinical participants completed the YSQ-S on three different occasions: in neutral mood, and following happy and depressed mood inductions. The results of 30 participants with full data sets showed that emotional deprivation and defectiveness scores increased after the depressed mood induction, whereas entitlement scores increased after the happy mood induction. The results are discussed in relation to cognitive theories of vulnerability to psychopathology, and future directions for research are suggested. PMID:15826405

  16. Exploratory and confirmatory factor analysis of a short-form of the EMBU among Chinese adolescents.

    Science.gov (United States)

    Li, Zhongquan; Wang, Li; Zhang, Lisong

    2012-02-01

    The present study used a sample of Chinese adolescents and validated a short-form of the Egna Minnen Beträffande Uppfostran: One's Memories of Upbringing (s-EMBU) assessing perceived parental rearing styles. A Chinese revision of the s-EMBU by the authors was administered to a total of 779 high school students, ages 11 to 19 years. Exploratory factor analysis with half of the sample yielded a three-factor solution of Rejection, Emotional Warmth, and Overprotection, accounting for 47.1% of the total variance onthe father form and 48.8% of the total variance on the mother form. Then, confirmatory factor analysis indicated a good fit of the three-factor model to the data in the other half of the sample. The three subscales consisted of 6, 6, and 7 items, respectively. Scores on these subscales had Cronbach alphas ranging from .71 to .81, indicating adequate internal consistency. These psychometric properties suggest its applicability for research with Chinese adolescents. PMID:22489392

  17. A comparison study on algorithms of detecting long forms for short forms in biomedical text

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    Wu Cathy H

    2007-11-01

    Full Text Available Abstract Motivation With more and more research dedicated to literature mining in the biomedical domain, more and more systems are available for people to choose from when building literature mining applications. In this study, we focus on one specific kind of literature mining task, i.e., detecting definitions of acronyms, abbreviations, and symbols in biomedical text. We denote acronyms, abbreviations, and symbols as short forms (SFs and their corresponding definitions as long forms (LFs. The study was designed to answer the following questions; i how well a system performs in detecting LFs from novel text, ii what the coverage is for various terminological knowledge bases in including SFs as synonyms of their LFs, and iii how to combine results from various SF knowledge bases. Method We evaluated the following three publicly available detection systems in detecting LFs for SFs: i a handcrafted pattern/rule based system by Ao and Takagi, ALICE, ii a machine learning system by Chang et al., and iii a simple alignment-based program by Schwartz and Hearst. In addition, we investigated the conceptual coverage of two terminological knowledge bases: i the UMLS (the Unified Medical Language System, and ii the BioThesaurus (a thesaurus of names for all UniProt protein records. We also implemented a web interface that provides a virtual integration of various SF knowledge bases. Results We found that detection systems agree with each other on most cases, and the existing terminological knowledge bases have a good coverage of synonymous relationship for frequently defined LFs. The web interface allows people to detect SF definitions from text and to search several SF knowledge bases. Availability The web site is http://gauss.dbb.georgetown.edu/liblab/SFThesaurus.

  18. Portuguese Validation of the Internet Gaming Disorder Scale-Short-Form.

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    Pontes, Halley M; Griffiths, Mark D

    2016-04-01

    In the latest (fifth) edition of the Diagnostic and Statistical Manual of Mental Disorders (DSM-5), Internet Gaming Disorder (IGD) was included as a tentative disorder worthy of future research. Since then, several psychometric instruments to assess IGD have emerged in the literature, including the nine-item Internet Gaming Disorder Scale-Short-Form (IGDS9-SF), the most brief tool available to date. Research on the effects of IGD in Portugal has been minimal and may be due to the lack of a psychometrically validated tool to assess this construct within this particular cultural background. Therefore, the aim of the present study was to develop and examine the psychometric properties of the Portuguese IGDS9-SF. A total of 509 adolescents were recruited to the present study. Construct validity of the IGDS9-SF was assessed in two ways. First, confirmatory factor analysis was performed to investigate the factorial structure of the IGDS9-SF in the sample, and the unidimensional structure of the IGDS9-SF fitted the data well. Second, nomological validation of the IGDS9-SF was carried out and the nomological network analyzed was replicated as expected, further supporting the construct validity of the IGDS9-SF. Criterion validity of the IGDS9-SF was also established using key criterion variables. Finally, the IGDS9-SF also showed satisfactory levels of reliability using several indicators of internal consistency. Based on the results found, the IGDS9-SF appears to be a valid and reliable instrument to assess IGD among Portuguese adolescents and further research on IGD in Portugal is warranted. PMID:26974853

  19. Normative data and discriminative properties of short form 36 (SF-36 in Turkish urban population

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    Akvardar Yildiz

    2006-10-01

    Full Text Available Abstract Background SF-36 has been both translated into different languages and adapted to different cultures to obtain comparable data on health status internationally. However there have been only a limited number of studies focused on the discriminative ability of SF-36 regarding social and disease status in developing countries. The aim of this study was to obtain population norms of the short form 36 (SF-36 health survey and the association of SF-36 domains with demographic and socioeconomic variables in an urban population in Turkey. Methods A cross-sectional study. Face to face interviews were carried out with a sample of households. The sample was systematically selected from two urban Health Districts in Izmir, Turkey. The study group consisted of 1,279 people selected from a study population of 46,290 people aged 18 and over. Results Internal consistencies of the scales were high, with the exception of mental health and vitality. Physical health scales were associated with both age and gender. On the other hand, mental health scales were less strongly associated with age and gender. Women reported poorer health compared to men in general. Social risk factors (employment status, lower education and economic strain were associated with worse health profiles. The SF-36 was found to be capable of discriminating disease status. Conclusion Our findings, cautiously generalisable to urban population, suggest that the SF-36 can be a valuable tool for studies on health outcomes in Turkish population. SF-36 may also be a promising measure for research on health inequalities in Turkey and other developing countries.

  20. Validity of the international physical activity questionnaire short form (IPAQ-SF: A systematic review

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    Stewart Sunita M

    2011-10-01

    Full Text Available Abstract Background The International Physical Activity Questionnaire - Short Form (IPAQ-SF has been recommended as a cost-effective method to assess physical activity. Several studies validating the IPAQ-SF have been conducted with differing results, but no systematic review of these studies has been reported. Methods The keywords "IPAQ", "validation", and "validity" were searched in PubMed and Scopus. Studies published in English that validated the IPAQ-SF against an objective physical activity measuring device, doubly labeled water, or an objective fitness measure were included. Results Twenty-three validation studies were included in this review. There was a great deal of variability in the methods used across studies, but the results were largely similar. Correlations between the total physical activity level measured by the IPAQ-SF and objective standards ranged from 0.09 to 0.39; none reached the minimal acceptable standard in the literature (0.50 for objective activity measuring devices, 0.40 for fitness measures. Correlations between sections of the IPAQ-SF for vigorous activity or moderate activity level/walking and an objective standard showed even greater variability (-0.18 to 0.76, yet several reached the minimal acceptable standard. Only six studies provided comparisons between physical activity levels derived from the IPAQ-SF and those obtained from objective criterion. In most studies the IPAQ-SF overestimated physical activity level by 36 to 173 percent; one study underestimated by 28 percent. Conclusions The correlation between the IPAQ-SF and objective measures of activity or fitness in the large majority of studies was lower than the acceptable standard. Furthermore, the IPAQ-SF typically overestimated physical activity as measured by objective criterion by an average of 84 percent. Hence, the evidence to support the use of the IPAQ-SF as an indicator of relative or absolute physical activity is weak.

  1. Psychometric properties of the Polish version of the Trait Emotional Intelligence Questionnaire-Short Form

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    Szczygieł Dorota

    2015-09-01

    Full Text Available The study was aimed at validating the Polish version of the Trait Emotional Intelligence Questionnaire-Short Form (TEIQue-SF. Our findings confirm the reliability and validity of the scale. With respect to reliability, internal consistency coefficients of the TEIQue-SF were comparable to those obtained using the original English version. The evidence of the validity of the TEIQue-SF came from the pattern of relations with the other self-report measure of EI, personality measures, as well as affective and social correlates. We demonstrated that the TEIQue-SF score correlated positively with scores on the Emotional Intelligence Questionnaire (INTE (Jaworowska & Matczak, 2001. The TEIQue- SF score correlated negatively with Neuroticism and positively with Extraversion, Openness, Agreeableness, and Conscientiousness. In addition, scores on the TEIQue-SF were related to dispositional affect, i.e., correlated positively with positive affectivity and negatively with negative affectivity. The TEIQue-SF score correlated positively with social competencies as measured with the Social Competencies Questionnaire (Matczak, 2001. We also found that trait EI, as measured with the TEIQue-SF, was positively related to the richness of one’s supportive social network and this relationship remained statistically significant even after controlling for Big Five variance. We also demonstrated that scoring on the TEIQue-SF was positively related to satisfaction with life and negatively related to perceived stress and these relationships remained significant, even after controlling for positive and negative affectivity. Taken together, these findings suggest that the Polish version of the TEIQue-SF is a reliable and valid measure that inherits the network of associations both from the original version of the TEIQue-SF and the full form of the Polish TEIQue (Wytykowska & Petrides, 2007.

  2. In search of parsimony: reliability and validity of the Functional Performance Inventory-Short Form

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    Nancy Kline Leidy

    2010-11-01

    Full Text Available Nancy Kline Leidy1, Ann Knebel21Center for Health Outcomes Research, United BioSource Corporation, Bethesda, MD, USA; 2Office of the Assistant Secretary for Preparedness and Response, US Department of Health and Human Services, Washington, DC, USAPurpose: The 65-item Functional Performance Inventory (FPI, developed to quantify functional performance in patients with chronic obstructive pulmonary disease (COPD, has been shown to be reliable and valid. The purpose of this study was to create a shorter version of the FPI while preserving the integrity and psychometric properties of the original.Patients and methods: Secondary analyses were performed on qualitative and quantitative data used to develop and validate the FPI long form. Seventeen men and women with COPD participated in the qualitative work, while 154 took part in the mail survey; 54 completed 2-week reproducibility assessment, and 40 relatives contributed validation data. Following a systematic process of item reduction, performance properties of the 32-item short form (FPI-SF were examined.Results: The FPI-SF was internally consistent (total scale α = 0.93; subscales: 0.76–0.89 and reproducible (r = 0.88; subscales: 0.69–0.86. Validity was maintained, with significant (P < 0.001 correlations between the FPI-SF and the Functional Status Questionnaire (activities of daily living, r = 0.71; instrumental activities of daily living, r = 0.73, Duke Activity Status Index (r = 0.65, Bronchitis-Emphysema Symptom Checklist (r = -0.61, Basic Need Satisfaction Inventory (r = 0.61 and Cantril’s Ladder of Life Satisfaction (r = 0.63, and Katz Adjustment Scale for Relatives (socially expected activities, r = 0.51; free-time activities, r = -0.49, P < 0.01. The FPI-SF differentiated patients with an FEVl% predicted greater than and less than 50% (t = 4.26, P < 0.001, and those with severe and moderate levels of perceived severity and activity limitation (t = 9.91, P < 0.001.Conclusion: Results

  3. Reliability and validity of a short form household food security scale in a Caribbean community

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    Mahabir Deepak

    2004-06-01

    Full Text Available Abstract Background We evaluated the reliability and validity of the short form household food security scale in a different setting from the one in which it was developed. Methods The scale was interview administered to 531 subjects from 286 households in north central Trinidad in Trinidad and Tobago, West Indies. We evaluated the six items by fitting item response theory models to estimate item thresholds, estimating agreement among respondents in the same households and estimating the slope index of income-related inequality (SII after adjusting for age, sex and ethnicity. Results Item-score correlations ranged from 0.52 to 0.79 and Cronbach's alpha was 0.87. Item responses gave within-household correlation coefficients ranging from 0.70 to 0.78. Estimated item thresholds (standard errors from the Rasch model ranged from -2.027 (0.063 for the 'balanced meal' item to 2.251 (0.116 for the 'hungry' item. The 'balanced meal' item had the lowest threshold in each ethnic group even though there was evidence of differential functioning for this item by ethnicity. Relative thresholds of other items were generally consistent with US data. Estimation of the SII, comparing those at the bottom with those at the top of the income scale, gave relative odds for an affirmative response of 3.77 (95% confidence interval 1.40 to 10.2 for the lowest severity item, and 20.8 (2.67 to 162.5 for highest severity item. Food insecurity was associated with reduced consumption of green vegetables after additionally adjusting for income and education (0.52, 0.28 to 0.96. Conclusions The household food security scale gives reliable and valid responses in this setting. Differing relative item thresholds compared with US data do not require alteration to the cut-points for classification of 'food insecurity without hunger' or 'food insecurity with hunger'. The data provide further evidence that re-evaluation of the 'balanced meal' item is required.

  4. Psychometric qualities of a tetrad WAIS-III short form for use in individuals with mild to borderline intellectual disability

    NARCIS (Netherlands)

    Duijvenbode, N. van; Didden, H.C.M.; Hazel, T. van den; Engels, R.C.M.E.

    2016-01-01

    Objective: To investigate the reliability and validity of a Wechsler Abbreviated Scale of Intelligence-based Wechsler Adult Intelligence Scale - third edition (WAIS-III) short form (SF) in a sample of individuals with mild to borderline intellectual disability (MBID) (N=117; M-IQ=71.34; SDIQ=8.00, r

  5. Toward a Brief Multidimensional Assessment of Emotional Intelligence: Psychometric Properties of the Emotional Quotient Inventory-Short Form

    Science.gov (United States)

    Parker, James D. A.; Keefer, Kateryna V.; Wood, Laura M.

    2011-01-01

    Although several brief instruments are available for the emotional intelligence (EI) construct, their conceptual coverage tends to be quite limited. One notable exception is the short form of the Emotional Quotient Inventory (EQ-i:S), which measures multiple EI dimensions in addition to a global EI index. Despite the unique advantage offered by…

  6. A Validation Study of the Dutch Childhood Trauma Questionnaire-Short Form: Factor Structure, Reliability, and Known-Groups Validity

    Science.gov (United States)

    Thombs, Brett D.; Bernstein, David P.; Lobbestael, Jill; Arntz, Arnoud

    2009-01-01

    Objective: The 28-item Childhood Trauma Questionnaire-Short Form (CTQ-SF) has been translated into at least 10 different languages. The validity of translated versions of the CTQ-SF, however, has generally not been examined. The objective of this study was to investigate the factor structure, internal consistency reliability, and known-groups…

  7. Tailored Porous Materials

    Energy Technology Data Exchange (ETDEWEB)

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

    1999-11-09

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

  8. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  9. Islamic Banking

    OpenAIRE

    BLÁHA, Jakub

    2014-01-01

    The aim of this bachelor thesis is to introduce the Islamic banking. Describing historical and religious background of Islam, the Islamic banking and Shari'ah law. Then presenting financing techniques used in the Islamic banking. Eventually describing and analysing the Islamic banking in Malaysia. Comparison between the Islamic banking and the conventional banking is given throughout the bachelor thesis.

  10. Tailored Barium Swallow Study

    Science.gov (United States)

    ... View Denver Pollen Count You are here: Programs & Services > Tests We Offer > Imaging Tests Tailored Barium Swallow Study The TBS is a special study that is completed in radiology. The test evaluates the mouth and the throat ...

  11. Development of the Well-being questionnaire short-form in Japanese: the W-BQ12

    OpenAIRE

    Riazi, Afsane; Bradley, Clare; Barendse, Shalleen; Ishii, Hitoshi

    2006-01-01

    Background The Well-being Questionnaire (W-BQ) was designed to measure psychological well-being in people with diabetes. This study aimed to develop a Japanese version and a short form of the W-BQ. Methods A linguistic validation process produced a preliminary Japanese version of the 22-item W-BQ, which was distributed to 550 patients. Factor structure, reliability (Cronbach's alpha) and aspects of validity (hypothesised group differences and correlations with other measures) were evaluated. ...

  12. Measuring volitional competences: psychometric properties of a short form of the Volitional Components Questionnaire (VCQ) in a clinical sample

    OpenAIRE

    Forstmeier, Simon; Rüddel, H

    2008-01-01

    Volitional competences (skills of will), including self-regulation skills such as self-motivation and emotion regulation and self-control skills such as impulse control, are particularly necessary for patients with psychiatric and psychosomatic disorders. The Volitional Components Questionnaire (VCQ) is an instrument designed to measure volitional competences. However, its length of 190 items prevents its routine application in clinical settings. This study evaluates a new 36-item short form ...

  13. Measuring patient activation in the Netherlands: translation and validation of the American short form Patient Activation Measure (PAM13)

    OpenAIRE

    Rademakers Jany; Nijman Jessica; van der Hoek Lucas; Heijmans Monique; Rijken Mieke

    2012-01-01

    Abstract Background The American short form Patient Activation Measure (PAM) is a 13-item instrument which assesses patient (or consumer) self-reported knowledge, skills and confidence for self-management of one’s health or chronic condition. In this study the PAM was translated into a Dutch version; psychometric properties of the Dutch version were established and the instrument was validated in a panel of chronically ill patients. Methods The translation was done according to WHO guidelines...

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

    Science.gov (United States)

    Caronni, Antonio; Zaina, Fabio; Negrini, Stefano

    2014-04-01

    Scoliosis Research Society-22 (SRS-22) questionnaire was developed to evaluate health-related quality of life (HRQL) in adolescent idiopathic scoliosis (AIS) patients. Rasch analysis (RA) is a statistical procedure which turns questionnaire ordinal scores into interval measures. Measures from Rasch-compatible questionnaires can be used, similar to body temperature or blood pressure, to quantify disease severity progression and treatment efficacy. Purpose of the current work is to present Rasch analysis (RA) of the SRS-22 questionnaire and to develop an SRS-22 Rasch-approved short form. 300 SRS-22 were randomly collected from 2447 consecutive IS adolescents at their first evaluation (229 females; 13.9 ± 1.9 years; 26.9 ± 14.7 Cobb°) in a scoliosis outpatient clinic. RA showed both disordered thresholds and overall misfit of the SRS-22. Sixteen items were re-scored and two misfitting items (6 and 14) removed to obtain a Rasch-compatible questionnaire. Participants HRQL measured too high with the rearranged questionnaire, indicating a severe SRS-22 ceiling effect. RA also highlighted SRS-22 multidimensionality, with pain/function not merging with self-image/mental health items. Item 3 showed differential item functioning (DIF) for both curve and hump amplitude. A 7-item questionnaire (SRS-7) was prepared by selecting single items from the original SRS-22. SRS-7 showed fit to the model, unidimensionality and no DIF. Compared with the SRS-22, the short form scale shows better targeting of the participants' population. RA shows that SRS-22 has poor clinimetric properties; moreover, when used with AIS at first evaluation, SRS-22 is affected by a severe ceiling effect. SRS-7, an SRS-22 7-item short form questionnaire, provides an HRQL interval measure better tailored to these participants. PMID:24521663

  15. Retail Banking

    OpenAIRE

    Adam Szafarczyk

    2008-01-01

    The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one – trends, especially household deposits and credits and last – retail banking in particular banks.

  16. Patient experience and satisfaction with inpatient service: development of short form survey instrument measuring the core aspect of inpatient experience.

    Directory of Open Access Journals (Sweden)

    Eliza L Y Wong

    Full Text Available Patient experience reflects quality of care from the patients' perspective; therefore, patients' experiences are important data in the evaluation of the quality of health services. The development of an abbreviated, reliable and valid instrument for measuring inpatients' experience would reflect the key aspect of inpatient care from patients' perspective as well as facilitate quality improvement by cultivating patient engagement and allow the trends in patient satisfaction and experience to be measured regularly. The study developed a short-form inpatient instrument and tested its ability to capture a core set of inpatients' experiences. The Hong Kong Inpatient Experience Questionnaire (HKIEQ was established in 2010; it is an adaptation of the General Inpatient Questionnaire of the Care Quality Commission created by the Picker Institute in United Kingdom. This study used a consensus conference and a cross-sectional validation survey to create and validate a short-form of the Hong Kong Inpatient Experience Questionnaire (SF-HKIEQ. The short-form, the SF-HKIEQ, consisted of 18 items derived from the HKIEQ. The 18 items mainly covered relational aspects of care under four dimensions of the patient's journey: hospital staff, patient care and treatment, information on leaving the hospital, and overall impression. The SF-HKIEQ had a high degree of face validity, construct validity and internal reliability. The validated SF-HKIEQ reflects the relevant core aspects of inpatients' experience in a hospital setting. It provides a quick reference tool for quality improvement purposes and a platform that allows both healthcare staff and patients to monitor the quality of hospital care over time.

  17. Item Response Theory Analysis and Differential Item Functioning across Age, Gender and Country of a Short Form of the Advanced Progressive Matrices

    Science.gov (United States)

    Chiesi, Francesca; Ciancaleoni, Matteo; Galli, Silvia; Morsanyi, Kinga; Primi, Caterina

    2012-01-01

    Item Response Theory (IRT) models were applied to investigate the psychometric properties of the Arthur and Day's Advanced Progressive Matrices-Short Form (APM-SF; 1994) [Arthur and Day (1994). "Development of a short form for the Raven Advanced Progressive Matrices test." "Educational and Psychological Measurement, 54," 395-403] in order to test…

  18. The Psychometric Development and Initial Validation of the DCI-A Short Form for Adolescent Therapeutic Community Treatment Process

    OpenAIRE

    Stucky, Brian D.; Edelen, Maria Orlando; Vaughan, Christine A.; Tucker, Joan S.; Butler, Jennifer

    2013-01-01

    The 5-factor client-report Dimensions of Change in Therapeutic Communities Treatment Instrument-Adolescent (DCI-A) was developed to assess adolescent substance abuse treatment process in the therapeutic community (TC). The goal of this study was to use bifactor modeling to derive a unidimensional DCI-A short-form (DCI-A-SF) that would represent content from the original DCI-A factors. Data are from 442 adolescents receiving treatment at one of seven residential TC programs. Bifactor analyses ...

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

    DEFF Research Database (Denmark)

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

    2014-01-01

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

  20. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

    Full Text Available Internet Banking (known also as online banking allows performing transactions and payments over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.

  1. The generalized Tailor Problem

    NARCIS (Netherlands)

    Roerdink, J.B.T.M.; Maragos, P; Schafer, RW; Butt, MA

    1996-01-01

    The so-called 'Tailor Problem' concerns putting a number of sets within another set by translation, such that the translated sets do not overlap. In this paper we consider a generalization of this problem in which also rotations of the sets are allowed.

  2. A tailored treatment strategy

    DEFF Research Database (Denmark)

    Lip, G Y H; Potpara, T; Boriani, G; Blomström-Lundqvist, C

    2016-01-01

    hypertension, heart failure, diabetes mellitus and sleep apnoea should be actively looked for and managed in a holistic approach to AF management. The objective of this review is to provide an overview of modern AF stroke prevention with a focus on tailored treatment strategies. Biomarkers and genetic factors...

  3. An 8-Item Short Form of the Inventory of Dimensions of Emerging Adulthood (IDEA) Among Young Swiss Men.

    Science.gov (United States)

    Baggio, Stéphanie; Iglesias, Katia; Studer, Joseph; Gmel, Gerhard

    2015-06-01

    Emerging adulthood is a period of life transition, in which youths are no longer adolescents but have not yet reached full adulthood. Measuring emerging adulthood is crucial because of its association with psychopathology and risky behaviors such as substance use. Unfortunately, the only validated scale for such measurement has a long format (Inventory of Dimensions of Emerging Adulthood [IDEA]-31 items). This study aimed to test whether a shorter form yields satisfactory results without substantial loss of information among a sample of young Swiss men. Data from the longitudinal Cohort Study on Substance Use Risk Factors were used (N = 5,049). IDEA, adulthood markers (e.g., parenthood or financial independence), and risk factors (i.e., substance use and mental health issues) were assessed. The results showed that an 8-item, short-form scale (IDEA-8) with four factors (experimentation, negativity, identity exploration, and feeling in between) returned satisfactory results, including good psychometric properties, high convergence with the initial scale, and strong empirical validity. This study was a step toward downsizing a measure of emerging adulthood. Indeed, this 8-item short form is a good alternative to the 31-item long form and could be more convenient for surveys with constraints on questionnaire length. Moreover, it should help health care practitioners in identifying at-risk populations to prevent and treat risky behaviors. PMID:24973242

  4. Investigating self-esteem in individuals with schizophrenia: relevance of the Self-Esteem Rating Scale-Short Form.

    Science.gov (United States)

    Lecomte, Tania; Corbière, Marc; Laisné, François

    2006-06-30

    Studies investigating self-esteem in individuals with severe mental illness, either as a treatment goal, outcome or correlate to other variables, have increased over the past few years. One of the main difficulties in assessing self-esteem is the assessment itself, often measuring global and stable self-esteem as in the Rosenberg Self-Esteem Scale, or requiring extensive training and long interviews. The present article aims at demonstrating the relevance of the French and English versions of the Self-Esteem Rating Scale-Short Form with individuals with severe mental illness. The instrument's reliability and validity were investigated in a sample of 250 French Canadian college students, 247 British college students and three samples of English- or French-speaking individuals with severe mental illness (N=254, N=150 and N=171). Confirmatory factor analysis revealed that a shorter version of the instrument (20 items), with a positive and a negative self-esteem factor, had a great validity for all the samples studied. The Self-Esteem Rating Scale-Short Form, with its positive and negative self-esteem subscales, appears to be a valid and reliable self-esteem measure for individuals with mental health problems. Limitations of this study and future directions are discussed. PMID:16725210

  5. Tailoring of onboard system software

    Institute of Scientific and Technical Information of China (English)

    彭俊杰; 洪炳镕; 魏振华; 乔永强

    2003-01-01

    Tailoring of an operating system and an in embedded real-time operating system in particular is es-sential for both, kernel and operation. But many of current embedded real-time operating systems provide somebasic tailoring at the cost of depleting the flexibility of hardware, which causes the lack of flexibility, and de-grades their tailors. A layered modular tailoring model has been proposed together with some tailoring operationsto improve the flexibility of the systems, and algorithms have been proposed for verification of tailoring opera-tions with the current operating system.

  6. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  7. Towards tailored superplasticizers

    OpenAIRE

    Houst, Y.F.; Bowen, P; Perche, F

    2005-01-01

    Superplasticizers (SP) of the “new generation” are essentially polycarboxylate polymers. Polymers of this family can be produced with almost infinite variations in their chemical structure, which allow the fulfilment of specific (tailored) properties. These polymers are more efficient for water reduction and for keeping concrete workability for longer periods. Another class of superplasticizer also available essentially for extreme specifications, is poly(oxyethylen) phosphonates. A few years...

  8. A psychometric evaluation of the Personality Assessment Inventory - short form clinical scales in an inpatient psychiatric sample.

    Science.gov (United States)

    Sinclair, Samuel J; Siefert, Caleb J; Shorey, Hal S; Antonius, Daniel; Shiva, Andrew; Kehl-Fie, Kendra; Blais, Mark A

    2009-12-30

    Few studies have assessed the psychometric properties of the Personality Assessment Inventory short-form (PAI-SF) clinical scales, and none have conducted these evaluations using participants from psychiatric inpatient units. The present study evaluated item-level tests of scaling assumptions of the PAI-SF using a large (N=503) clinical sample of participants who completed the PAI during their admission to a psychiatric inpatient unit. Internal consistency reliability was high across scales, and tests of item-scale convergence and discrimination generally confirmed hypothesized item groupings. Scale-level correlations supported unique variance being measured by each scale. Finally, agreement between the PAI short- and full-form scales was found to be high. The results are discussed with regards to scale interpretation. PMID:19879654

  9. A psychometric analysis of the Trait Emotional Intelligence Questionnaire-Short Form (TEIQue-SF) using item response theory.

    Science.gov (United States)

    Cooper, Andrew; Petrides, K V

    2010-09-01

    Trait emotional intelligence refers to a constellation of emotional self-perceptions located at the lower levels of personality hierarchies. In 2 studies, we sought to examine the psychometric properties of the Trait Emotional Intelligence Questionnaire-Short Form (TEIQue-SF; Petrides, 2009) using item response theory (IRT). Study 1 (N= 1,119, 455 men) showed that most items had good discrimination and threshold parameters and high item information values. At the global level, the TEIQue-SF showed very good precision across most of the latent trait range. Study 2 (N= 866, 432 men) used similar IRT techniques in a new sample based on the latest version of the TEIQue-SF (version 1.50). Results replicated Study 1, with the instrument showing good psychometric properties at the item and global level. Overall, the 2 studies suggest the TEIQue-SF can be recommended when a rapid assessment of trait emotional intelligence is required. PMID:20706931

  10. Development of the Well-being questionnaire short-form in Japanese: the W-BQ12

    Directory of Open Access Journals (Sweden)

    Barendse Shalleen

    2006-07-01

    Full Text Available Abstract Background The Well-being Questionnaire (W-BQ was designed to measure psychological well-being in people with diabetes. This study aimed to develop a Japanese version and a short form of the W-BQ. Methods A linguistic validation process produced a preliminary Japanese version of the 22-item W-BQ, which was distributed to 550 patients. Factor structure, reliability (Cronbach's alpha and aspects of validity (hypothesised group differences and correlations with other measures were evaluated. Results Questionnaires were returned by 464 patients (84.4%. Preliminary factor analysis revealed that the Depression and Anxiety items were dispersed according to the positive or negative direction of the wording. A 12-item W-BQ (Japanese W-BQ12, consisting of three 4-item subscales (Negative Well-being, Energy and Positive Well-being, was constructed that balanced positively and negatively worded items. Cronbach's alpha was high (>0.85 for the 12-item questionnaire and consistently high (>0.82 across sex and treatment subgroups. Cronbach's alpha for subscale scores in the total sample ranged from 0.69 (Energy to 0.80 (Positive Well-being. Expected subgroup differences indicated significantly poorer well-being in women compared with men and in insulin-treated patients compared with tablet/diet treated patients. Discriminant and convergent validity was supported by minimal correlations between W-BQ12 scores and HbA1c and low-to-moderate correlations with Diabetes Treatment Satisfaction Questionnaire (DTSQ scores. Conclusion The W-BQ12 (Japanese is a short, reliable and valid measure of psychological well-being that is suitable for use with people with diabetes. The items selected to produce the W-BQ12 (Japanese have since produced psychometrically sound 12-item short-form measures in other translations for use in diabetes and in other chronic illnesses.

  11. Factor structure, reliability, and known groups validity of the german version of the childhood trauma questionnaire (short-form) in swiss patients and nonpatients

    OpenAIRE

    Karos, Kai; Niederstrasser, Nils Georg; Abidi, Latifa; Bernstein, David P; Bader, Klaus

    2014-01-01

    The Childhood Trauma Questionnaire-Short Form is the most widely used instrument to assess childhood trauma and has been translated into 10 languages. However, research into validity and reliability of these translated versions is scarce. The present study aimed to investigate the factor structure, internal consistency, reliability, and known-groups validity of the German Childhood Trauma Questionnaire-Short Form (Bernstein & Fink, 1998). Six-hundred and sixty-one clinical and nonclinical par...

  12. Validation of the Kinyarwanda-version Short-Form Leeds Dyspepsia Questionnaire and Short-Form Nepean Dyspepsia Index to assess dyspepsia prevalence and quality-of-life impact in Rwanda

    Science.gov (United States)

    Nkurunziza, Arcade; Dusabejambo, Vincent; Everhart, Kelly; Bensen, Steve

    2016-01-01

    Objectives We aimed to develop and validate Kinyarwanda versions of Short-Form Leeds Dyspepsia Questionnaire (SF-LDQ) and Short-Form Nepean Dyspepsia Index (SF-NDI) to measure the frequency and severity of dyspepsia and associated quality-of-life impact in Rwanda. Setting A single, tertiary care centre in Rwanda. Participants 200 consecutive Kinyarwanda-speaking patients referred to endoscopy (100 patients) or medical outpatients (100 patients). Interventions Kinyarwanda versions of the SF-LDQ and SF-NDI were developed from English versions by translation, with back translation, crosschecking and pilot testing. Study participants completed these questionnaires at enrolment (time 1), and then completed the surveys again with blinded phone interviewers 3 days later (time 2). 20 randomly selected participants, diagnosed with a peptic ulcer on index endoscopy, completed a third survey by phone at day 30 (time 3), after therapy. Primary outcome measures Internal consistency at time 1 (by Cronbach's α) and test–retest reliability between time 1 and time 2 (Spearman's correlation coefficient) for translated SF-LDQ and SF-NDI; validity versus clinical diagnosis (by receiver operating characteristic (ROC) curve) and responsiveness to treatment for SF-LDQ (by change in mean score). All outcomes were measured as per protocol. Results Cronbach's α of the translated SF-LDQ was 0.93, showing high internal consistency. Spearman's correlation coefficient comparing time 1 and time 2 was 0.978 (p<0.001), demonstrating high reliability. Cronbach's α for the translated SF-NDI was 0.92. A cut-off score of 16 on the SF-LDQ showed a sensitivity of 97% and a specificity of 71% for the diagnosis of dyspepsia, correctly classifying 89% of patients. In the responsiveness analysis, the mean SF-LDQ score was reduced from 20.1 prior to treatment to 13.9 after 30 days of treatment (p=0.003). Conclusions The Kinyarwanda versions of the SF-LDQ and SF-NDI were valid, reliable and

  13. Shadow banking

    OpenAIRE

    Pozsar, Zoltan; Adrian,Tobias; Ashcraft, Adam; Boesky, Hayley

    2010-01-01

    The rapid growth of the market-based financial system since the mid-1980s changed the nature of financial intermediation in the United States profoundly. Within the market-based financial system, "shadow banks" are particularly important institutions. Shadow banks are financial intermediaries that conduct maturity, credit, and liquidity transformation without access to central bank liquidity or public sector credit guarantees. Examples of shadow banks include finance companies, asset-backed c...

  14. Investment banks

    OpenAIRE

    Lejot, P

    2013-01-01

    Investment banking is a generic term for transactional activities involving financial intermediation conducted through open markets. It was long associated with a legal demarcation in the US and Japan that separated banks that made loans and took deposits from those that traded in securities, but now denotes risk-based activities in banks of any kind. This paper explains investment banking practices in terms of reputational capital, and contrasts the transactional skills and innovation found ...

  15. Psychometric Evaluation of a Coping Strategies Inventory Short-Form (CSI-SF in the Jackson Heart Study Cohort

    Directory of Open Access Journals (Sweden)

    Herman Taylor

    2007-12-01

    Full Text Available This study sought to establish the psychometric properties of a Coping Strategies Inventory Short Form (CSISF by examining coping skills in the Jackson Heart Study cohort. We used exploratory and confirmatory factor analysis, Pearson’s correlation, and Cronbach Alpha to examine reliability and validity in the CSI-SF that solicited responses from 5302 African American men and women between the ages of 35 and 84. One item was dropped from the 16-item CSI-SF, making it a 15-item survey. No significant effects were found for age and gender, strengthening the generalizability of the CSI-SF. The internal consistency reliability analysis revealed reliability between alpha = 0.58-0.72 for all of the scales, and all of the fit indices used to examine the CSI-SF provided support for its use as an adequate measure of coping. This study provides empirical support for utilizing this instrument in future efforts to understand the role of coping in moderating health outcomes.

  16. Psychometrics properties of early trauma inventory self report - short form (ETISR-SR for the Brazilian context.

    Directory of Open Access Journals (Sweden)

    Flávia L Osório

    Full Text Available This study aims to translate and validate Early Trauma Inventory Self Report -Short Form (ETISR-SF to Brazilian Portuguese. 253 adult subjects answered the ETISR-SF, Beck Anxiety Inventory (BAI, Fagerström Test for Nicotine Dependence (FTND, Patient Health Questionnaire (PHQ-9 and Fast Alcohol Screening Test (FAST. The instrument showed good internal consistency (0.83. Correlations with the PHQ-9 and BAI were moderate (r=0.26-0.47 and showed the expected associations with psychiatric constructs. No associations were found for FTND and FAST. Confirmatory Factor Analysis revealed that a correlated four-factor model as well as a second order model subsuming four lower order components presented the best model fit. Test-retest reliability was also excellent (ICC=0.78-0.90. ETISR-SF is suitable for assessing traumatic experiences in a Brazilian community sample. Given the importance of trauma as a public health problem, tools such as ETISR-SF may help clinicians/ researchers to better evaluate and measure such events and further advance clinical care of trauma victims.

  17. Validation of a Chinese version of the Five Facet Mindfulness Questionnaire in Hong Kong and development of a short form.

    Science.gov (United States)

    Hou, Jing; Wong, Samuel Yeung-Shan; Lo, Herman Hay-Ming; Mak, Winnie Wing-Sze; Ma, Helen Shuk-Wah

    2014-06-01

    Mindfulness-based interventions are increasingly being used in various populations to improve well-being and reduce psychological afflictions. However, there is lack of a validated mindfulness measurement in the Chinese language. This study validated the Chinese version of the Five Facet Mindfulness Questionnaire (FFMQ-C) in both a community sample of 230 adults and a clinical sample of 156 patients with significant psychological distress. Results showed a good test-retest reliability (.88) and a high internal consistency (.83 in the community sample and .80 in the clinical sample). Mindfulness as measured by FFMQ-C has moderate to large correlations with psychological distress and mental well-being. Two of the five subscales (describing and acting with awareness) showed incremental validity over the others in predicting psychological symptoms and mental health. Confirmatory factor analysis confirmed the five-factor structure of the FFMQ-C and demonstrated adequate model fit. A 20-item short form scale (FFMQ-SF) was developed using the proposed comprehensive criteria. These findings indicate that the FFMQ-C is reliable and valid to measure mindfulness in a Chinese population. Further study is needed to evaluate the psychometric properties of FFMQ-SF. PMID:23596271

  18. Psychometric Properties of the Brazilian 12-Item Short-Form Health Survey Version 2 (SF-12v2

    Directory of Open Access Journals (Sweden)

    Bruno Figueiredo Damásio

    2015-04-01

    Full Text Available The 12-Item Short-Form Health Survey, in its initial (SF-12 and revised form (SF-12v2 is a widely used measure to evaluate health-related quality of life (HRQoL. The present study evaluates the factor structure and reliability of the Brazilian version of the SF-12v2. Participants were 627 subjects (74.1% women, aged from 18 to 88 years (M = 38.6; SD = 13.16, from 17 Brazilian states. Confirmatory factor analyses suggested two pairs of error terms to be highly correlated (3a-3b; and 4a-4b. A qualitative inspection showed an overlap of content among these items. The respecified model presented adequate fit indices. Convergent validity was also tested with measures of health-related self-care, subjective happiness, life satisfaction, depression and self-efficacy. Expected correlations were found between the SF-12v2 and these measures. Results showed initial evidence in favor of using the SF-12v2 as a measure of physical and mental health in the Brazilian context.

  19. Constructing a short form of the hierarchical personality inventory for children (HiPIC): the HiPIC-30.

    Science.gov (United States)

    Vollrath, Margarete E; Hampson, Sarah E; Torgersen, Svenn

    2016-05-01

    Children's personality traits are invaluable predictors of concurrent and later mental and physical health. Several validated longer inventories for assessing the widely recognized Five-Factor Model of personality in children are available, but short forms are scarce. This study aimed at constructing a 30-item form of the 144-item Hierarchical Personality Inventory for Children (HiPIC) (Mervielde & De Fruyt, ). Participants were 1543 children aged 6-12 years (sample 1) and 3895 children aged 8 years (sample 2). Sample 1 completed the full HiPIC, from which we constructed the HiPIC-30, and the Child Behaviour Checklist (Achenbach, ). Sample 2 completed the HiPIC-30. The HiPIC-30 personality domains correlated over r = .90 with the full HiPIC domains, had good Cronbach's alphas and correlated similarly with CBCL behaviour problems and gender as the full HiPIC. The factor structures of the HiPIC-30 were convergent across samples, but the imagination factor was not clear-cut. We conclude that the HiPIC-30 is a reliable and valid questionnaire for the Five-Factor personality traits in children. Copyright © 2016 John Wiley & Sons, Ltd. PMID:27120426

  20. Development and validation of a Brazilian version of the short-form McGill pain questionnaire (SF-MPQ).

    Science.gov (United States)

    Ferreira, Karine Azevedo São Leão; de Andrade, Daniel Ciampi; Teixeira, Manoel Jacobsen

    2013-12-01

    The aim of this study was to develop and validate a short form of the Brazilian version of McGill Pain Questionnaire (SF-MPQ). Three hundred two patients with chronic pain filled out the validated Brazilian long form of the McGill Pain Questionnaire (LF-MPQ). Words chosen by ≥25% of the patients were selected to comprise the SF-MPQ. The Brazilian SF-MPQ consisted of 15 descriptors (8 sensory, 5 affective, and 2 evaluative) rated on a binary mode (present or absent). Four pain scores were derived by counting the words chosen by the patients for sensory, affective, evaluative, and total descriptors. The SF-MPQ showed poor internal consistency (KR-20 = 0.52) but possibly acceptable because it showed discriminant validity to discriminate patients presenting different levels and mechanisms of pain, and it was strongly correlated with the LF-MPQ. The low KR-20 coefficient could result from the small number of items. The Brazilian version of the SF-MPQ proved to be a useful instrument to evaluate the different qualities of pain. It is a reliable option to the long-form MPQ. PMID:24315244

  1. Development and initial validation of a scale for detecting inconsistent responding on the personality assessment inventory-short form.

    Science.gov (United States)

    Siefert, Caleb J; Stein, Michelle; Sinclair, Samuel Justin; Antonius, Daniel; Shiva, Andrew; Blais, Mark A

    2012-01-01

    The goal of this investigation was the development of an inconsistency scale (ICN-SF) for the personality assessment inventory-short form (PAI-SF). In Study 1, 503 inpatient profiles were randomly assigned to a derivation or cross-validation sample. Ten correlated item pairs were identified using the derivation sample and placed on the ICN-SF. Psychometric properties of the ICN-SF total scores were comparable in the derivation and cross-validation samples. Total ICN-SF scores in both samples were significantly lower than scores obtained from computer-generated random samples. Diagnostic efficiency statistics are reported using multiple cut-off scores at various base rate estimates. ICN-SF scores greater than 8 reasonably balanced sensitivity and specificity rates. This cutoff correctly classified 92% of the random protocols and inaccurately classified 9% of the patient protocols in study 1. In study 2, PAI-SF scores from 627 forensic and civil inpatients produced similar results, effectively identifying cases with elevated scores on the full-form inconsistency scale. Overall the results of both studies suggest that the ICN-SF can aid examiners in assessing for inconsistent responding. PMID:22574923

  2. Factor structure and item level psychometrics of the Social Problem Solving Inventory - Revised: Short Form in traumatic brain injury.

    Science.gov (United States)

    Li, Chih-Ying; Waid-Ebbs, Julia; Velozo, Craig A; Heaton, Shelley C

    2016-06-01

    Social problem-solving deficits characterise individuals with traumatic brain injury (TBI), and poor social problem solving interferes with daily functioning and productive lifestyles. Therefore, it is of vital importance to use the appropriate instrument to identify deficits in social problem solving for individuals with TBI. This study investigates factor structure and item-level psychometrics of the Social Problem Solving Inventory - Revised: Short Form (SPSI-R:S), for adults with moderate and severe TBI. Secondary analysis of 90 adults with moderate and severe TBI who completed the SPSI-R:S was performed. An exploratory factor analysis (EFA), principal components analysis (PCA) and Rasch analysis examined the factor structure and item-level psychometrics of the SPSI-R:S. The EFA showed three dominant factors, with positively worded items represented as the most definite factor. The other two factors are negative problem-solving orientation and skills; and negative problem-solving emotion. Rasch analyses confirmed the three factors are each unidimensional constructs. It was concluded that the total score interpretability of the SPSI-R:S may be challenging due to the multidimensional structure of the total measure. Instead, we propose using three separate SPSI-R:S subscores to measure social problem solving for the TBI population. PMID:26052731

  3. Pulmonary rehabilitation improves only some domains of health-related quality of life measured by the Short Form-36 questionnaire

    Directory of Open Access Journals (Sweden)

    Chok Limsuwat

    2014-01-01

    Full Text Available Background: Pulmonary rehabilitation (PR has inconsistent effects on health-related quality of life (HRQL in patients with chronic lung diseases. We evaluated the effect of PR on HRQL outcomes using the 36-item short form of the medical outcomes (SF-36. Methods : We retrospectively reviewed the files of all patients who completed PR in 2010, 2011, and first half of 2012. We collected information on demographics, symptoms, pulmonary function tests, 6-minute walk tests (6-MWT, and responses on the SF-36 survey, including the physical component score (PCS and mental component score (MCS. Results: The study included 19 women and 22 men. The mean age was 69.8 ± 8.5 years. The diagnoses included chronic obstructive pulmonary disease (COPD; n = 31, asthma (n = 3, interstitial lung disease (n = 5, and obstructive sleep apnea (OSA; n = 2. The mean forced expiratory volume-one second (FEV1 was 1.16 ± 0.52 L (against 60.5 ± 15.9% of predicted value. There was a significant improvement in 6-MWT (P < 0.0001. The PCS improved post-PR from 33.8 to 34.5 (P = 0.02; the MCS did not change. Conclusion: These patients had low SF-36 scores compared to the general population; changes in scores after PR were low. These patients may need frequent HRQL assessment during rehabilitation, and PR programs should consider program modification in patients with small changes in mental health.

  4. Sintomas depressivos no câncer de mama: Inventário de Depressão de Beck - Short Form Depressive symptoms in breast cancer: Beck Depression Inventory - Short Form

    Directory of Open Access Journals (Sweden)

    Renata de Oliveira Cangussu

    2010-01-01

    Full Text Available OBJETIVOS: Verificar a prevalência de sintomas depressivos em mulheres com câncer de mama e identificar os fatores de risco associados à sua ocorrência. MÉTODOS: Foi realizado um estudo transversal, em que foram entrevistadas 71 mulheres com câncer de mama. Foram empregados dois instrumentos: um questionário para verificar os dados sociodemográficos e clínicos e o Inventário de Depressão de Beck - Short Form (BDI-SF, para avaliação dos sintomas depressivos. Para análise dos dados, utilizaram-se medidas descritivas e o teste de qui-quadrado, que avaliou a associação entre variáveis sociodemográficas e clínicas e os sintomas depressivos. O nível de significância considerado foi de 5%. RESULTADOS: A prevalência de sintomas depressivos foi de 29,6%. Os fatores associados à presença desses sintomas foram o tratamento quimioterápico (p = 0,021, presença de dor (p = 0,018 e limitação do movimento do membro superior (p = 0,010 e pior percepção da saúde (p = 0,018. CONCLUSÃO: Sintomas depressivos são frequentes no câncer de mama, assim a saúde mental das mulheres com esse tipo de câncer deve ser investigada e tratada quando necessário, reduzindo o impacto desses sintomas na vida da mulher.OBJECTIVES: To verify the prevalence of depressive symptoms in women with breast cancer and identify risk factors associated to its occurrence. METHODS: It was a transversal study where 71 women with breast cancer were interviewed. Two instruments were applied, being one questionnaire used to verify sociodemographic and clinical data, and the Beck Depression Inventory - Short Form to evaluate depressive symptoms. Descriptive methods and chi-square test were utilized to analyze data, evaluating association between depressive symptoms, sociodemographic and clinical data. Significance level was considered of 5%. RESULTS: Depressive symptoms prevalence was 29,6%. Factors associated to the presence of this kind of symptoms were

  5. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ The saying, "There's no such thing as a free lunch" is one that can be applied to the charges increasingly being imposed on savers by Chinese banks.Ranging from managementfees for small deposit accounts to charges for withdrawals of large amounts of cash, from ATM cross-bank withdrawal charges to annual fees for bank payment cards, charges by banks are becoming a unstoppable trend. But it is not a trend the general public is so keen to accept.

  6. Assessment of Correspondent Banks Case Study

    Directory of Open Access Journals (Sweden)

    Abeer F.A.A. Abbadi

    2011-01-01

    Full Text Available Problem statement: This study aims at evaluating corresponding banks in Jordan. Characterizing the goals, instruments and profitability under unfavorable conditions of financial setbacks and unfair competition among banks. Focuses on the feasibility and profitability of Philadelphia Investment Bank in its international trade via its Correspondent banks. Approach: Problems and setbacks shall be screened out; reasoned and appropriate optimal recommendations are to be presented. Results: The study followed the analytical approach and depended on “History Documents” and “In depth Interview” techniques and puts a major emphasis on the fact that correspondent banking has become an essential cornerstone of international business amid the new era of world trade, globalization, external competition and cartels from the major opponents to Jordanian Banks, the main conclusion is realized the importance of correspondent banks in the international trade, so Philadelphia bank benefited from correspondent banks for the cheap cost of market entry and services were tailored to the scale of required locale. But there was no big investment in staff facilities. And there are setbacks in dealing with correspondent banks, such as fund delay in reaching destinations on time. Moreover, Jordanian banks have suffered in general from these correspondent banks because they deal with these correspondent banks individually. Conclusion/Recommendations: The recommendation of the study is, it is the time to consider solidification and forming one financial block, or a sort of cartel and face these correspondent banks in one unit. They are also called for developing collective strategies. Small banks should merge and form huge capital blocks. Another strategy is that Jordanian banks should minimize the reliance on foreign banks and should develop their own, by establishing international branches abroad to help financing their international activities.

  7. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  8. Age and education corrected older adult normative data for a short form version of the Financial Capacity Instrument.

    Science.gov (United States)

    Gerstenecker, Adam; Eakin, Amanda; Triebel, Kristen; Martin, Roy; Swenson-Dravis, Dana; Petersen, Ronald C; Marson, Daniel

    2016-06-01

    Financial capacity is an instrumental activity of daily living (IADL) that comprises multiple abilities and is critical to independence and autonomy in older adults. Because of its cognitive complexity, financial capacity is often the first IADL to show decline in prodromal and clinical Alzheimer's disease and related disorders. Despite its importance, few standardized assessment measures of financial capacity exist and there is little, if any, normative data available to evaluate financial skills in the elderly. The Financial Capacity Instrument-Short Form (FCI-SF) is a brief measure of financial skills designed to evaluate financial skills in older adults with cognitive impairment. In the current study, we present age- and education-adjusted normative data for FCI-SF variables in a sample of 1344 cognitively normal, community-dwelling older adults participating in the Mayo Clinic Study of Aging (MCSA) in Olmsted County, Minnesota. Individual FCI-SF raw scores were first converted to age-corrected scaled scores based on position within a cumulative frequency distribution and then grouped within 4 empirically supported and overlapping age ranges. These age-corrected scaled scores were then converted to age- and education-corrected scaled scores using the same methodology. This study has the potential to substantially enhance financial capacity evaluations of older adults through the introduction of age- and education-corrected normative data for the FCI-SF by allowing clinicians to: (a) compare an individual's performance to that of a sample of similar age and education peers, (b) interpret various aspects of financial capacity relative to a normative sample, and (c) make comparisons between these aspects. (PsycINFO Database Record PMID:26168311

  9. Development of a Short-Form Measure of Science and Technology Self-efficacy Using Rasch Analysis

    Science.gov (United States)

    Lamb, Richard L.; Vallett, David; Annetta, Leonard

    2014-10-01

    Despite an increased focus on science, technology, engineering, and mathematics (STEM) in U.S. schools, today's students often struggle to maintain adequate performance in these fields compared with students in other countries (Cheek in Thinking constructively about science, technology, and society education. State University of New York, Albany, 1992; Enyedy and Goldberg 2004; Mandinach and Lewis 2006). In addition, despite considerable pressure to promote the placement of students into STEM career fields, U.S. placement is relatively low (Sadler et al. in Sci Educ 96(3):411-427, 2012; Subotnik et al. in Identifying and developing talent in science, technology, engineering, and mathematics (STEM): an agenda for research, policy and practice. International handbook, part XII, pp 1313-1326, 2009). One explanation for the decline of STEM career placement in the U.S. rests with low student affect concerning STEM concepts and related content, especially in terms of self-efficacy. Researchers define self-efficacy as the internal belief that a student can succeed in learning, and that understanding student success lies in students' externalized actions or behaviors (Bandura in Psychol Rev 84(2):191-215, 1977). Evidence suggests that high self-efficacy in STEM can result in student selection of STEM in later educational endeavors, culminating in STEM career selection (Zeldin et al. in J Res Sci Teach 45(9):1036-1058, 2007). However, other factors such as proficiency play a role as well. The lack of appropriate measures of self-efficacy can greatly affect STEM career selection due to inadequate targeting of this affective trait and loss of opportunity for early intervention by educators. Lack of early intervention decreases selection of STEM courses and careers (Valla and Williams in J Women Minor Sci Eng 18(1), 2012; Lent et al. in J Couns Psychol 38(4), 1991). Therefore, this study developed a short-form measure of self-efficacy to help identify students in need of

  10. Measuring patient activation in the Netherlands: translation and validation of the American short form Patient Activation Measure (PAM13

    Directory of Open Access Journals (Sweden)

    Rademakers Jany

    2012-07-01

    Full Text Available Abstract Background The American short form Patient Activation Measure (PAM is a 13-item instrument which assesses patient (or consumer self-reported knowledge, skills and confidence for self-management of one’s health or chronic condition. In this study the PAM was translated into a Dutch version; psychometric properties of the Dutch version were established and the instrument was validated in a panel of chronically ill patients. Methods The translation was done according to WHO guidelines. The PAM 13-Dutch was sent to 4178 members of the Dutch National Panel of people with Chronic illness or Disability (NPCD in April 2010 (study A and again to a sub sample of this group (N = 973 in June 2010 (study B. Internal consistency, test-retest reliability and cross-validation with the SBSQ-D (a measure for Health literacy were computed. The Dutch results were compared to similar Danish and American data. Results The psychometric properties of the PAM 13-Dutch were generally good. The level of internal consistency is good (α = 0.88 and item-rest correlations are moderate to strong. The Dutch mean PAM score (61.3 is comparable to the American (61.9 and lower than the Danish (64.2. The test-retest reliability was moderate. The association with Health literacy was weak to moderate. Conclusions The PAM-13 Dutch is a reliable instrument to measure patient activation. More research is needed into the validity of the Patient Activation Measure, especially with respect to a more comprehensive measure of Health literacy.

  11. Shareholder value creation in Japanese banking

    OpenAIRE

    Radić, Nemanja

    2015-01-01

    This paper advances the study of Fiordelisi and Molyneux (2010) by examining the shareholder value efficiency and its determinants for a large sample of Japanese banks between 1999 and 2011. A new, specifically tailored measure of the Economic Value Added approach, based on the shadow price of equity, is developed in order to account for specific characteristics of the Japanese banking system. This new “shareholder value measure” is then used in a dynamic panel data model as a linear function...

  12. Quality of life in South East Asian patients who consult for dyspepsia: Validation of the short form Nepean Dyspepsia Index

    Directory of Open Access Journals (Sweden)

    Goh Khean-Lee

    2009-05-01

    Full Text Available Abstract Background Treatment objectives for dyspepsia include improvements in both symptoms and health-related quality of life (HRQoL. There is a lack of disease-specific instruments measuring HRQoL in South East Asian dyspeptics. Objectives To validate English and locally translated version of the Short-Form Nepean Dyspepsia Index (SF-NDI in Malaysian patients who consult for dyspepsia. Methods The English version of the SF-NDI was culturally adapted locally and a Malay translation was developed using standard procedures. English and Malay versions of the SF-NDI were assessed against the SF-36 and the Leeds Dyspepsia Questionnaire (LDQ, examining internal consistency, test-retest reliability and construct validity. Results Pilot testing of the translated Malay and original English versions of the SF-NDI in twenty subjects did not identify any cross-cultural adaptation problems. 143 patients (86 English-speaking and 57 Malay speaking with dyspepsia were interviewed and the overall response rate was 100% with nil missing data. The median total SF-NDI score for both languages were 72.5 and 60.0 respectively. Test-retest reliability was good with intraclass correlation coefficients of 0.90 (English and 0.83 (Malay, while internal consistency of SF-NDI subscales revealed α values ranging from 0.83 – 0.88 (English and 0.83 – 0.90 (Malay. In both languages, SF-NDI sub-scales and total score demonstrated lower values in patients with more severe symptoms and in patients with functional vs organic dyspepsia (known groups validity, although these were less marked in the Malay language version. There was moderate to good correlation (r = 0.3 – 0.6 between all SF-NDI sub-scales and various domains of the SF-36 (convergent validity. Conclusion This study demonstrates that both English and Malay versions of the SF-NDI are reliable and probably valid instruments for measuring HRQoL in Malaysian patients with dyspepsia.

  13. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    There is no doubt that China’s banking system is a calm port in the global financial storm. Moreover, a great regulatory firewall and an easing monetary environment have enabled Chinese banks to increase lending and help shrug off the economic downturn. Yi Xianrong, a researcher at the Institute of Finance and Banking under the Chinese Academy of Social Sciences, discussed this topic in a recent article in the Shanghai Securities Journal. Edited excerpts follow:

  14. Shadow banking

    OpenAIRE

    Rahm, Jiří

    2013-01-01

    In my bachelor paper I focus on the issue of shadow banking. The paper is theoretically oriented. Its main goal is to provide overview on the shadow banking system. The text is divided into four parts. The first part includes the definition of shadow banking and the description of its characteristics. The credit intermediation in shadow banking and the process of securitization is explained in the second part. The third part is aimed at mapping of situation in the area of implementation of re...

  15. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

  16. Validation of the Long- and Short-Form of the Ethical Values Assessment (EVA): A Questionnaire Measuring the Three Ethics Approach to Moral Psychology

    Science.gov (United States)

    Padilla-Walker, Laura Maria; Jensen, Lene Arnett

    2016-01-01

    Moral psychology has been moving toward consideration of multiple kinds of moral concepts and values, such as the Ethics of Autonomy, Community, and Divinity. While these three ethics have commonly been measured qualitatively, the current study sought to validate the long and short forms of the Ethical Values Assessment (EVA), which is a…

  17. Examination of Measurement Invariance across Culture and Gender on the RCMAS-2 Short Form among Singapore and U.S. Adolescents

    Science.gov (United States)

    Lowe, Patricia A.; Ang, Rebecca P.

    2016-01-01

    Tests of measurement invariance were conducted across culture and gender on the Revised Children's Manifest Anxiety Scale-Second Edition (RCMAS-2) Short Form in a sample of 1,003 Singapore and U.S. adolescents. The results of multi-group confirmatory factor analyses across culture and gender supported at least partial measurement invariance. ANOVA…

  18. Comparison of internal and external responsiveness of the generic Medical Outcome Study Short Form-36 (SF-36) with disease-specific measures in rheumatoid arthritis

    NARCIS (Netherlands)

    Veehof, Martine M.; Klooster, ten Peter M.; Taal, Erik; Riel, van Piet L.C.M.; Laar, van de Mart A.F.J.

    2008-01-01

    OBJECTIVE: To examine the comparative internal and external responsiveness of the generic Medical Outcome Study Short Form-36 Health Survey (SF-36) and disease-specific measures in patients with rheumatoid arthritis (RA). METHODS: Data were collected from 280 RA patients starting anti-tumor necrosis

  19. Comparison of internal and external responsiveness of the generic Medical Outcome Study Short Form-36 (SF-36) with disease-specific measures in rheumatoid arthritis.

    NARCIS (Netherlands)

    Veehof, M.M.; Klooster, PM ten; Taal, E.; Riel, P.L.C.M. van; Laar, M.A.A.M. van de

    2008-01-01

    OBJECTIVE: To examine the comparative internal and external responsiveness of the generic Medical Outcome Study Short Form-36 Health Survey (SF-36) and disease-specific measures in patients with rheumatoid arthritis (RA). METHODS: Data were collected from 280 RA patients starting anti-tumor necrosis

  20. The Psychometric Properties and Factor Structure of a Welsh Translation of the School Short Form of the Coopersmith Self-Esteem Inventory

    Science.gov (United States)

    Hills, Peter R.; Francis, Leslie J.; Thomas, Enlli

    2007-01-01

    The psychometric properties and factor structure of a Welsh translation of the school short form of the Coopersmith Self-esteem Inventory (SEI-SSF), which is widely used as a measure of children's global self-esteem, was investigated among a sample of 681 pupils attending Welsh-medium primary schools in Wales. It has generally been assumed that…

  1. Assessment of Psychopathological Problems in the School Context: The Psychometric Properties of a Portuguese Version of the Adolescent Psychopathology Scale--Short Form

    Science.gov (United States)

    Lemos, Ida Timoteo; Faisca, Luis Madeira; Valadas, Sandra Teodosio

    2011-01-01

    The psychometric properties of a Portuguese version of the Adolescent Psychopathology Scale-Short Form (APS-SF) were studied in a sample of 656 Portuguese adolescents, aged 12 to 19 years, assessed in school context. Also, the aim of the study was to gather data concerning age- and gender-related differences in the expression of psychopathological…

  2. Towards tailored radiopeptide therapy

    International Nuclear Information System (INIS)

    Somatostatin receptor-targeted radiopeptide therapy is commonly performed using single radioisotopes. We evaluated the benefits and harms of combining radioisotopes in radiopeptide therapy in patients with neuroendocrine tumor. Using multivariable-adjusted survival analyses and competing risk analyses we evaluated outcomes in patients with neuroendocrine tumor receiving 90Y-DOTATOC, 177Lu-DOTATOC or their combination. 90Y-DOTATOC plus 177Lu-DOTATOC treatment was associated with longer survival than 90Y-DOTATOC (66.1 vs. 47.5 months; n = 1,358; p < 0.001) or 177Lu-DOTATOC alone (66.1 vs. 45.5 months; n = 390; p < 0.001). 177Lu-DOTATOC was associated with longer survival than 90Y-DOTATOC in patients with solitary lesions (HR 0.3, range 0.1 - 0.7; n = 153; p = 0.005), extrahepatic metastases (HR 0.5, range 0.3 - 0.9; n = 256; p = 0.029) and metastases with low uptake (HR 0.1, range 0.05 - 0.4; n = 113; p = 0.001). 90Y-DOTATOC induced higher hematotoxicity rates than combined treatment (9.5 % vs. 4.0 %, p = 0.005) or 177Lu-DOTATOC (9.5 % vs. 1.4 %, p = 0.002). Renal toxicity was similar among the treatments. Using 90Y and 177Lu might facilitate tailoring radiopeptide therapy and improve survival in patients with neuroendocrine tumors. (orig.)

  3. Towards tailored radiopeptide therapy

    Energy Technology Data Exchange (ETDEWEB)

    Radojewski, Piotr [University Hospital Bern, Institute of Nuclear Medicine, Bern (Switzerland); Dumont, Rebecca [University Hospital Basel, Institute of Nuclear Medicine, Basel (Switzerland); UCLA, Department of Radiology, David Geffen School of Medicine, Los Angeles, CA (United States); Marincek, Nicolas; Walter, Martin A. [University Hospital Bern, Institute of Nuclear Medicine, Bern (Switzerland); University Hospital Basel, Institute of Nuclear Medicine, Basel (Switzerland); Brunner, Philippe; Mueller-Brand, Jan [University Hospital Basel, Institute of Nuclear Medicine, Basel (Switzerland); Maecke, Helmut R. [University Hospital Basel, Division of Radiological Chemistry, Basel (Switzerland); Briel, Matthias [University Hospital Basel, Basel Institute for Clinical Epidemiology and Biostatistics, Basel (Switzerland)

    2015-07-15

    Somatostatin receptor-targeted radiopeptide therapy is commonly performed using single radioisotopes. We evaluated the benefits and harms of combining radioisotopes in radiopeptide therapy in patients with neuroendocrine tumor. Using multivariable-adjusted survival analyses and competing risk analyses we evaluated outcomes in patients with neuroendocrine tumor receiving {sup 90}Y-DOTATOC, {sup 177}Lu-DOTATOC or their combination. {sup 90}Y-DOTATOC plus {sup 177}Lu-DOTATOC treatment was associated with longer survival than {sup 90}Y-DOTATOC (66.1 vs. 47.5 months; n = 1,358; p < 0.001) or {sup 177}Lu-DOTATOC alone (66.1 vs. 45.5 months; n = 390; p < 0.001). {sup 177}Lu-DOTATOC was associated with longer survival than {sup 90}Y-DOTATOC in patients with solitary lesions (HR 0.3, range 0.1 - 0.7; n = 153; p = 0.005), extrahepatic metastases (HR 0.5, range 0.3 - 0.9; n = 256; p = 0.029) and metastases with low uptake (HR 0.1, range 0.05 - 0.4; n = 113; p = 0.001). {sup 90}Y-DOTATOC induced higher hematotoxicity rates than combined treatment (9.5 % vs. 4.0 %, p = 0.005) or {sup 177}Lu-DOTATOC (9.5 % vs. 1.4 %, p = 0.002). Renal toxicity was similar among the treatments. Using {sup 90}Y and {sup 177}Lu might facilitate tailoring radiopeptide therapy and improve survival in patients with neuroendocrine tumors. (orig.)

  4. BANK GUARANTEES

    Directory of Open Access Journals (Sweden)

    VASILE NEMES

    2012-05-01

    Full Text Available The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of financial - banking commitments with various practical issues which are occurred by the use of those. From the legal point of view, the bank guarantees are not under an own legal regulation and are based on the common law, used in the guarantees domain. Through the new aspects of the actual Civil Code it are the legal regulation of the letter of bank guarantee and of the comfort letter, which shall constitute the main regulation in the negotiation and conclusion of a letter of bank guarantee or a bank comfort letter. For the legal reports with foreign elements, the parties can also use the Uniform Rules regarding the Guarantees at Request (URGR Publish no.758/2010.

  5. Corporate culture and shareholder value in banking industry

    OpenAIRE

    Carretta, Alessandro; Farina, Vincenzo; Fiordelisi, Franco; Schwizer, Paola

    2006-01-01

    This paper analyses the casual relationship between corporate culture and shareholder value using a sample of large banks in the French, German, Italian and U.K. banking systems over the 2000 to 2003 period. Firstly, we measure shareholder value using an Economic Value Added estimated through a procedure tailored to account for banking peculiarities. Secondly, we measure corporate culture using language as its particular artifact and developing a cultural survey based on the application of a ...

  6. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

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

  7. The Bruininks-Oseretsky Test of Motor Proficiency-Short Form is reliable in children living in remote Australian Aboriginal communities

    Science.gov (United States)

    2013-01-01

    Background The Lililwan Project is the first population-based study to determine Fetal Alcohol Spectrum Disorders (FASD) prevalence in Australia and was conducted in the remote Fitzroy Valley in North Western Australia. The diagnostic process for FASD requires accurate assessment of gross and fine motor functioning using standardised cut-offs for impairment. The Bruininks-Oseretsky Test of Motor Proficiency, Second Edition (BOT-2) is a norm-referenced assessment of motor function used worldwide and in FASD clinics in North America. It is available in a Complete Form with 53 items or a Short Form with 14 items. Its reliability in measuring motor performance in children exposed to alcohol in utero or living in remote Australian Aboriginal communities is unknown. Methods A prospective inter-rater and test-retest reliability study was conducted using the BOT-2 Short Form. A convenience sample of children (n = 30) aged 7 to 9 years participating in the Lililwan Project cohort (n = 108) study, completed the reliability study. Over 50% of mothers of Lililwan Project children drank alcohol during pregnancy. Two raters simultaneously scoring each child determined inter-rater reliability. Test-retest reliability was determined by assessing each child on a second occasion using predominantly the same rater. Reliability was analysed by calculating Intra-Class correlation Coefficients, ICC(2,1), Percentage Exact Agreement (PEA) and Percentage Close Agreement (PCA) and measures of Minimal Detectable Change (MDC) were calculated. Results Thirty Aboriginal children (18 male, 12 female: mean age 8.8 years) were assessed at eight remote Fitzroy Valley communities. The inter-rater reliability for the BOT-2 Short Form score sheet outcomes ranged from 0.88 (95%CI, 0.77 – 0.94) to 0.92 (95%CI, 0.84 – 0.96) indicating excellent reliability. The test-retest reliability (median interval between tests being 45.5 days) for the BOT-2 Short Form score sheet outcomes ranged from

  8. BANK GUARANTEES

    OpenAIRE

    VASILE NEMES

    2012-01-01

    The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...

  9. Psychometric Properties of the Problematic Online Gaming Questionnaire Short-Form and Prevalence of Problematic Online Gaming in a National Sample of Adolescents

    OpenAIRE

    Pápay, Orsolya; Urbán, Róbert; Griffiths, Mark D.; Nagygyörgy, Katalin; Farkas, Judit; Kökönyei, Gyöngyi; Felvinczi, Katalin; Oláh, Attila; Elekes, Zsuzsanna; Demetrovics, Zsolt

    2013-01-01

    The rise and growing popularity of online games has led to the appearance of excessive gaming that in some cases can lead to physical and psychological problems. Several measures have been developed to explore the nature and the scale of the phenomenon. However, few measures have been validated psychometrically. The aim of the present study was to test the psychometric properties of the 12-item Problematic Online Gaming Questionnaire Short-Form (POGQ-SF) and to assess the prevalence of proble...

  10. Cultural adaptation and validation of the “Kidney Disease and Quality of Life - Short Form (KDQOL-SF™) version 1.3” questionnaire in Egypt

    OpenAIRE

    Abd ElHafeez Samar; Sallam Sunny A; Gad Zahira M; Zoccali Carmine; Torino Claudia; Tripepi Giovanni; ElWakil Hala S; Awad Noha M

    2012-01-01

    Abstract Background Health Related Quality of Life (HRQOL) instruments need disease and country specific validation. In Arab countries, there is no specific validated questionnaire for assessment of HRQOL in chronic kidney disease (CKD) patients. The aim of this study was to present an Arabic translation, adaptation, and the subsequent validation of the kidney disease quality of life-short form (KDQOL-SFTM) version 1.3 questionnaire in a representative series of Egyptian CKD patients. Methods...

  11. The Herdecke questionnaire on quality of life (HLQ): Validation of factorial structure and development of a short form within a naturopathy treated in-patient collective

    OpenAIRE

    Beer Andre-Michael; Büssing Arndt; Ostermann Thomas; Matthiessen Peter F

    2005-01-01

    Abstract Background Quality of life (QoL) of patients has become a central evaluation parameter that also acts as an aid for decisions related to treatment strategies particularly for patients with chronic illnesses. In Germany, one of the newer instruments attempting to measure distinct QoL aspects is the "Herdecke Questionnaire for Quality of Life" (HLQ). In this study, we aimed to validate the HLQ with respect to its factorial structure, and to develop a short form. The validation has been...

  12. Universal-diverse orientation in Asian international students: confirmatory factor analysis of the Miville-Guzman universality-diversity scale, short form.

    Science.gov (United States)

    Kegel, Karen; DeBlaere, Cirleen

    2014-07-01

    Despite apparent relevance to Asian international students, universal-diverse orientation (UDO) has not been psychometrically validated with this population. The current study investigated the most researched UDO measure, the Miville-Guzman Universality-Diversity Scale, Short Form (M-GUDS-S; Fuertes, Miville, Mohr, Sedlacek, & Gretchen, 2000), with 333 Asian international college students. The M-GUDS-S evidenced good reliability and convergent validity, and analyses confirmed a three-factor structure, supporting expanded use of the scale. PMID:25045958

  13. Assessing the accuracy of the WISC-IV seven-subtest short form and the child and adolescent intellectual disability screening questionnaire in identifying intellectual disability in children

    OpenAIRE

    McKenzie, Karen; Murray, Aja Louise; Murray, Kara; Murray, George

    2014-01-01

    Little research has been conducted into the accuracy of abbreviated assessments in identifying children and young people with an intellectual disability (ID). The present study compared two such methods in a clinical population of individuals with (n = 106) and without (n = 170) ID: a 7-subtest short form of the Wechsler Adult Intelligence Scales for Children--fourth edition (WISC-IV) proposed by Crawford and colleagues and the Child and Adolescent Intellectual Disability Screening Questionna...

  14. Development and Psychometric Validation of the EDE-QS, a 12 Item Short Form of the Eating Disorder Examination Questionnaire (EDE-Q.

    Directory of Open Access Journals (Sweden)

    Nicole Gideon

    Full Text Available The aim of this study was to develop and validate a short form of the Eating Disorder Examination Questionnaire (EDE-Q for routine, including session by session, outcome assessment.The current, 28-item version (6.0 of the EDE-Q was completed by 489 individuals aged 18-72 with various eating disorders recruited from three UK specialist eating disorder services. Rasch analysis was carried out on factors identified by means of principal component analysis, which in combination with expert ratings informed the development of an EDE-Q short form. The shortened questionnaire's reliability, validity and sensitivity was assessed based on online data collected from students of a UK university and volunteers with a history of eating disorders recruited from a national eating disorders charity aged 18-74 (N = 559.A 12-item short form, the Eating Disorder Examination Questionnaire Short (EDE-QS was derived. The new measure showed high internal consistency (Cronbach's α = .913 and temporal stability (ICC = .93; p < .001. It was highly correlated with the original EDE-Q (r = .91 for people without ED; r = .82 for people with ED and other measures of eating disorder and comorbid psychopathology. It was sufficiently sensitive to distinguish between people with and without eating disorders.The EDE-QS is a brief, reliable and valid measure of eating disorder symptom severity that performs similarly to the EDE-Q and that lends itself for the use of sessional outcome monitoring in treatment and research.

  15. Psychometric properties and performance of the Patient Reported Outcomes Measurement Information System® (PROMIS® depression short forms in ethnically diverse groups

    Directory of Open Access Journals (Sweden)

    Jeanne A. Teresi

    2016-03-01

    Full Text Available Short form measures from the Patient Reported Outcomes Measurement Information System® (PROMIS® are used widely. The present study was among the first to examine differential item functioning (DIF in the PROMIS Depression short form scales in a sample of over 5000 racially/ethnically diverse patients with cancer. DIF analyses were conducted across different racial/ethnic, educational, age, gender and language groups. Methods: DIF hypotheses, generated by content experts, informed the evaluation of the DIF analyses. The graded item response theory (IRT model was used to evaluate the five-level ordinal items. The primary tests of DIF were Wald tests; sensitivity analyses were conducted using the IRT ordinal logistic regression procedure. Magnitude was evaluated using expected item score functions, and the non-compensatory differential item functioning (NCDIF and T1 indexes, both based on group differences in the item curves. Aggregate impact was evaluated with expected scale score (test response functions; individual impact was assessed through examination of differences in DIF adjusted and unadjusted depression estimates. Results: Many items evidenced DIF; however, only a few had slightly elevated magnitude. No items evidenced salient DIF with respect to NCDIF and the scale-level impact was minimal for all group comparisons. The following short form items might be targeted for further study because they were also hypothesized to evidence DIF. One item showed slightly higher magnitude of DIF for age: nothing to look forward to; conditional on depression, this item was more likely to be endorsed in the depressed direction by individuals in older groups as contrasted with the cohort aged 21 to 49. This item was also hypothesized to show age DIF. Only one item (failure showed DIF of slightly higher magnitude (just above threshold for Whites vs. Asians/Pacific Islanders in the direction of higher likelihood of endorsement for Asians

  16. TAILOR-APL: An Interactive Computer Program for Individual Tailored Testing

    Science.gov (United States)

    McCormick, Douglas J.; Cliff, Norman

    1977-01-01

    An interactive computer program for tailored testing, called TAILOR, is presented. The program runs on the APL system. A cumulative file for each examinee is established and tests are then tailored to each examinee; extensive pretesting is not necessary. (JKS)

  17. Development and Psychometric Validation of the EDE-QS, a 12 Item Short Form of the Eating Disorder Examination Questionnaire (EDE-Q)

    Science.gov (United States)

    Gideon, Nicole; Hawkes, Nick; Mond, Jonathan; Saunders, Rob; Tchanturia, Kate; Serpell, Lucy

    2016-01-01

    Objective The aim of this study was to develop and validate a short form of the Eating Disorder Examination Questionnaire (EDE-Q) for routine, including session by session, outcome assessment. Method The current, 28-item version (6.0) of the EDE-Q was completed by 489 individuals aged 18–72 with various eating disorders recruited from three UK specialist eating disorder services. Rasch analysis was carried out on factors identified by means of principal component analysis, which in combination with expert ratings informed the development of an EDE-Q short form. The shortened questionnaire’s reliability, validity and sensitivity was assessed based on online data collected from students of a UK university and volunteers with a history of eating disorders recruited from a national eating disorders charity aged 18–74 (N = 559). Results A 12-item short form, the Eating Disorder Examination Questionnaire Short (EDE-QS) was derived. The new measure showed high internal consistency (Cronbach’s α = .913) and temporal stability (ICC = .93; p < .001). It was highly correlated with the original EDE-Q (r = .91 for people without ED; r = .82 for people with ED) and other measures of eating disorder and comorbid psychopathology. It was sufficiently sensitive to distinguish between people with and without eating disorders. Discussion The EDE-QS is a brief, reliable and valid measure of eating disorder symptom severity that performs similarly to the EDE-Q and that lends itself for the use of sessional outcome monitoring in treatment and research. PMID:27138364

  18. Psychometric properties of the Neck OutcOme Score (NOOS), Neck Disability Index (NDI) and Short form-36 (SF-36) were evaluated in patients with neck pain

    DEFF Research Database (Denmark)

    Sørensen, Tina Juul; Søgaard, Karen; Davis, Aileen M;

    2016-01-01

    OBJECTIVE: To assess reliability, construct validity, responsiveness and interpretability for Neck OutcOme Score (NOOS), Neck Disability Index (NDI) and Short-form-36 (SF-36) in neck pain patients. STUDY DESIGN AND SETTING: Internal consistency was assessed by Cronbach's alpha. Test...... correlating subscale scores from NOOS and SF-36 and NDI items. RESULTS: At baseline 196 neck pain patients were included. Cronbach's α was adequate for most NOOS subscales, NDI and SF-36 with few exceptions. Good to excellent reliability was found for NOOS subscales (ICC 0.88-0.95), for NDI and for SF-36 with...

  19. Validación de una escala reducida de capacidad funcional del cuestionario WOMAC Validation of a short form of the function dimension of the WOMAC questionnaire

    Directory of Open Access Journals (Sweden)

    Antonio Escobar

    2011-12-01

    Full Text Available Objetivos: El objetivo del estudio fue evaluar la validez, la fiabilidad y la sensibilidad al cambio de la versión española de la dimensión reducida de 7 ítems de capacidad funcional del Western Ontario McMaster Universities Osteoarthritis Index (WOMAC. Métodos: Estudio prospectivo con seguimiento de 1 año realizado con 459 pacientes en lista de espera para prótesis de cadera o rodilla. Se enviaron los cuestionarios WOMAC y EQ-5D en cuatro tiempos: basal, 3, 6 y 12 meses postintervencion. Se realizó el proceso de validación, análisis Rasch y acuerdo medido por el gráfico de Bland-Altman. Resultados: Los valores de los coeficientes rho de Spearman y de concordancia de Lin entre la versión completa y la reducida estuvieron entre 0,96 y 0,98. Se encontraron diferencias estadísticamente significativas (pObjective: The aim of this prospective study was to evaluate the validity, reliability and responsiveness of the Spanish version of the 7-item short-form of the function dimension of the Western Ontario and McMaster Universities Osteoarthritis Index (WOMAC. Methods: We conducted a prospective 1-year cohort study that included 459 patients on the waiting list for total knee or hip replacement. The WOMAC and EQ-5D questionnaires were sent at four time points: baseline and at 3, 6 and 12 months post-surgery. Based on a previously shortened scale, we performed a validation process with Rasch analysis and agreement measured by Bland-Altman plots. Results: The values of Spearman's rho and Lin concordance coefficients between the full and short-form ranged from 0.96 to 0.98. Differences were statistically significant (p<0.001 among the three groups of severity measured by a item in the EQ-5D. The two Bland-Altman plots showed no systematic differences and agreement was not dependent on the severity score. The short form fitted the Rasch model. Cronbach's α coefficients were higher than 0.85. Responsiveness was higher than 1.27 and 1.72 in knee

  20. The Bank of England Bank Liabilities Survey

    OpenAIRE

    Bell, Venetia; Butt, Nick; Talbot, James

    2013-01-01

    In order to improve understanding of the role of bank liabilities in driving credit and monetary conditions, the Bank of England began conducting a formal Bank Liabilities Survey last year. This survey is intended to supplement the data collected on the asset side of bank balance sheets by the Bank of England’s quarterly survey of credit conditions, which was introduced in 2007. The first results of the Bank Liabilities Survey will be published on 26 March. This article introduces the survey.

  1. Lithuania : Banking System Assessment

    OpenAIRE

    World Bank

    2009-01-01

    The Bank of Lithuania (BoL), the Central Bank, was established in 1990. BoL has the exclusive right to grant and revoke licenses to local and foreign banks and to supervise their activities. Private commercial banking boomed from 1991 to 1994 while bank regulation was lax. In late 1995, a bank crisis caused failures of most of the Lithuanian banks, and the remaining banks resulted in better ...

  2. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  3. Towards tailor-made participation

    DEFF Research Database (Denmark)

    Agger, Annika

    2012-01-01

    Public participation has become an important element of governance in many Western European countries. However, among scholars and practitioners there is a recognition that participatory governance processes tend to produce systematic exclusions. Knowledge about 'who' participates and 'how......' they participate can enhance our understanding of participatory processes. This paper presents some characterisations of citizens based on a review of the literature on participation. In addition, examples of how to tailor participation for different type of citizens are provided based on studies of urban...... regeneration programmes and local environmental initiatives in Denmark. The paper concludes that in order to broaden the inclusion of affected citizens, public authorities need to be tailor participation processes by applying distinct approaches to different types of citizens...

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

    Directory of Open Access Journals (Sweden)

    Jessye Almeida Cantini

    2015-03-01

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

  5. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  6. Ist die Bank der Zukunft eine Bank?

    OpenAIRE

    Spremann, Klaus

    1997-01-01

    Ist die Bank der Zukunft noch eine Bank? Ist sie noch eine Bank mit Menschen, oder wird die virtuelle Bank das Modell der Zukunft sein? Haben die Filialen noch eine Chance, oder werden künftig alle Bankgeschäfte über Computer abgewickelt? Umfragen unter Kreditinstituten bestätigen, dass die gegenwärtig drängendste Frage ist, auf welchem Weg die Bank und der Mensch zusammenkommen.

  7. Banking Efficiency in European Banking

    OpenAIRE

    Michaelidou, Vasiliki

    2012-01-01

    This research aims to unveil whether the tremendous banking sector reforms within the dynamic nature of the EU economic environment have achieved one of the catalyst EU goals, increase financial institutions’ cost efficiency. Using a single stage stochastic frontier approach, cost efficiency of the enlarged EU is estimated and evaluated for the period 2005-2011. The results suggest that EU pursuits have been successful but that stronger controls are needed.

  8. Translation, cultural adaptation assessment, and both validity and reliability testing of the kidney disease quality of life - short form version 1.3 for use with Iranian patients

    DEFF Research Database (Denmark)

    Pakpour, Amir; Yekaninejad, Mirsaeed; Mølsted, Stig;

    2011-01-01

    AIM: The aims of the study were to translate the Kidney Disease Quality of Life--Short Form version 1.3 (KDQOL-SF ver. 1.3) questionnaire into Iranian (Farsi), and to then assess it in terms of validity and reliability on Iranian patients. METHODS: The questionnaire was first translated into Farsi...... by two independent translators, and then subsequently translated back into English. After translation disparities had been reconciled, the final Iranian questionnaire was tested. An initial test-retest reliability evaluation was performed over a 10 day period on a sample of 20 patients recruited from...... a larger group (212 patients with end-stage renal disease on haemodialysis). Afterwards, reliability was estimated by internal consistency, and validity was assessed using known group comparisons and constructs for the patient group as a whole. Finally, the factor structure of the questionnaire was...

  9. Entanglement Induced by Tailored Environments

    CERN Document Server

    Cirone, Markus A

    2009-01-01

    We analyze a system consisting of two spatially separated quantum objects, here modeled as two pseudo-spins, coupled with a mesoscopic environment modeled as a bosonic bath. We show that by engineering either the dispersion of the spin boson coupling or the environment dimensionality or both one can in principle tailor the spatial dependence of the induced entanglement on the spatial separation between the two spins. In particular we consider one, two and three dimensional reservoirs and we find that while for a two or three dimensional reservoir the induced entanglement shows an inverse power law dependence on the spin separation, the induced entanglement becomes separation independent for a one dimensional reservoir.

  10. Time Series with Tailored Nonlinearities

    CERN Document Server

    Raeth, C

    2015-01-01

    It is demonstrated how to generate time series with tailored nonlinearities by inducing well- defined constraints on the Fourier phases. Correlations between the phase information of adjacent phases and (static and dynamic) measures of nonlinearities are established and their origin is explained. By applying a set of simple constraints on the phases of an originally linear and uncor- related Gaussian time series, the observed scaling behavior of the intensity distribution of empirical time series can be reproduced. The power law character of the intensity distributions being typical for e.g. turbulence and financial data can thus be explained in terms of phase correlations.

  11. The short form manual coffee machine design and research%简式手动咖啡机的设计与研究

    Institute of Scientific and Technical Information of China (English)

    陈歆羡; 胡莹

    2013-01-01

    本论文主要从分析当今使用咖啡机的主要人群----18-35岁的年轻人的生理特点和心理特点着手,对我国目前市场上各类咖啡机等产品的整体状况进行了调查,分析针对年轻群体各项特点及手动咖啡机的设计问题,并结合目前市面上比较流行的简式便携电器装置入手,从用户界面、便携性、功能性、耐用性的设计等角度进行了深入探讨。结合当今年轻人对消费品质的追求、生活的简易化,对简式手动咖啡机所做的综合性的设计。%This paper is mainly on the analysis of the main groups use the coffee machine today - 18 to 35 years old of young people’s physiological and psychological characteristics, all kinds of coffee machine and other products on the market at present of our country’s overall situation, various characteristic analysis aimed at young group and manual coffee machine design problem, and combining the current relatively popular in the market short form portable electrical devices, from the user interface, portability, functionality, durability design of Angle carried on the thorough discussion. Combined with today’s young people pursuit in the quality of goods, the facilitation of life, for what you did to short form manual coffee machine integrated design.

  12. Banking reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

    Georgia's banking system restructure began in 1991 when Soviet Union collopsed.This paper tries to compare and constract the performance of banks and banking system between 1999 and 2004 with banks in other transition countries. Although Georgia banking system showed a long processing in banking sector, it is still lags behind other transition countries Central and Eastern Europe. Neverthless.An efficient financial institution and performance will not come without further economic development...

  13. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

    Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

  14. The Herdecke questionnaire on quality of life (HLQ): Validation of factorial structure and development of a short form within a naturopathy treated in-patient collective

    Science.gov (United States)

    Ostermann, Thomas; Büssing, Arndt; Beer, Andre-Michael; Matthiessen, Peter F

    2005-01-01

    Background Quality of life (QoL) of patients has become a central evaluation parameter that also acts as an aid for decisions related to treatment strategies particularly for patients with chronic illnesses. In Germany, one of the newer instruments attempting to measure distinct QoL aspects is the "Herdecke Questionnaire for Quality of Life" (HLQ). In this study, we aimed to validate the HLQ with respect to its factorial structure, and to develop a short form. The validation has been carried out in relation to other questionnaires including the SF-36 Health Survey, the Mood-Scale Bf-S, the Giessen Physical Complaints Questionnaire GBB-24 and McGill's Pain Perception Scale SES. Methods Data for this study derived from a model project on the treatment of patients using naturopathy methods in Blankenstein Hospital, Hattingen. In total, 2,461 patients between the ages of 16 and 92 years (mean age: 58.0 ± 13.4 years) were included in this study. Most of the patients (62%) suffered from rheumatic diseases. Factorial validation of the HLQ, it's reliability and external consistency analysis and the development of a short form were carried out using the SPSS software. Results Structural analysis of the HLQ-items pointed to a 6-factor model. The internal consistency of both the long and the short version is excellent (Cronbach's α is 0.935 for the HLQ-L and 0.862 for the HLQ-S). The highest reliability in the HLQ-L was obtained for the "Initiative Power and Interest" scale, the lowest for the 2-item scales "Digestive Well-Being" and the "Physical Complaints". However, the scales found by factor analysis herein were only in part congruent with the original 5-scale model which was approved a multitrait analysis approach. The new instrument shows good correlations with several scales of other relevant QoL instruments. The scales "Initiative Power and Interest", "Social Interaction", "Mental Balance", "Motility", "Physical Complaints", "Digestive Well-Being" sufficiently

  15. The Herdecke questionnaire on quality of life (HLQ: Validation of factorial structure and development of a short form within a naturopathy treated in-patient collective

    Directory of Open Access Journals (Sweden)

    Beer Andre-Michael

    2005-07-01

    Full Text Available Abstract Background Quality of life (QoL of patients has become a central evaluation parameter that also acts as an aid for decisions related to treatment strategies particularly for patients with chronic illnesses. In Germany, one of the newer instruments attempting to measure distinct QoL aspects is the "Herdecke Questionnaire for Quality of Life" (HLQ. In this study, we aimed to validate the HLQ with respect to its factorial structure, and to develop a short form. The validation has been carried out in relation to other questionnaires including the SF-36 Health Survey, the Mood-Scale Bf-S, the Giessen Physical Complaints Questionnaire GBB-24 and McGill's Pain Perception Scale SES. Methods Data for this study derived from a model project on the treatment of patients using naturopathy methods in Blankenstein Hospital, Hattingen. In total, 2,461 patients between the ages of 16 and 92 years (mean age: 58.0 ± 13.4 years were included in this study. Most of the patients (62% suffered from rheumatic diseases. Factorial validation of the HLQ, it's reliability and external consistency analysis and the development of a short form were carried out using the SPSS software. Results Structural analysis of the HLQ-items pointed to a 6-factor model. The internal consistency of both the long and the short version is excellent (Cronbach's α is 0.935 for the HLQ-L and 0.862 for the HLQ-S. The highest reliability in the HLQ-L was obtained for the "Initiative Power and Interest" scale, the lowest for the 2-item scales "Digestive Well-Being" and the "Physical Complaints". However, the scales found by factor analysis herein were only in part congruent with the original 5-scale model which was approved a multitrait analysis approach. The new instrument shows good correlations with several scales of other relevant QoL instruments. The scales "Initiative Power and Interest", "Social Interaction", "Mental Balance", "Motility", "Physical Complaints", "Digestive Well

  16. Targeted therapy: tailoring cancer treatment

    Institute of Scientific and Technical Information of China (English)

    Min Yan; Quentin Qiang Liu

    2013-01-01

    Targeted therapies include small-molecule inhibitors and monoclonal antibodies,have made treatment more tumor-specific and less toxic,and have opened new possibilities for tailoring cancer treatment.Nevertheless,there remain several challenges to targeted therapies,including molecular identification,drug resistance,and exploring reliable biomarkers.Here,we present several selected signaling pathways and molecular targets involved in human cancers including Aurora kinases,PI3K/mTOR signaling,FOXO-FOXM1 axis,and MDM2/MDM4-p53 interaction.Understanding the molecular mechanisms for tumorigenesis and development of drug resistance will provide new insights into drug discovery and design of therapeutic strategies for targeted therapies.

  17. Molecular tailoring of solid surfaces

    CERN Document Server

    Evenson, S A

    1997-01-01

    The overall performance of a material can be dramatically improved by tailoring its surface at the molecular level. The aim of this project was to develop a universal technique for attaching dendrimers (well-defined, nanoscale, functional polymers) and Jeffamines (high molecular weight polymer chains) to the surface of any shaped solid substrate. This desire for controlled functionalization is ultimately driven by the need to improve material compatibility in various biomedical applications. Atomic force microscopy (AFM) was used initially to study the packing and structure of Langmuir-Blodgett films on surfaces, and subsequently resulted in the first visualization of individual, spherically shaped, nanoscopic polyamidoamine dendrimers. The next goal was to develop a methodology for attaching such macromolecules to inert surfaces. Thin copolymer films were deposited onto solid substrates to produce materials with a fixed concentration of surface anhydride groups. Vapor-phase functionalization reactions were t...

  18. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  19. Tailored logistics: the next advantage.

    Science.gov (United States)

    Fuller, J B; O'Conor, J; Rawlinson, R

    1993-01-01

    How many top executives have ever visited with managers who move materials from the factory to the store? How many still reduce the costs of logistics to the rent of warehouses and the fees charged by common carriers? To judge by hours of senior management attention, logistics problems do not rank high. But logistics have the potential to become the next governing element of strategy. Whether they know it or not, senior managers of every retail store and diversified manufacturing company compete in logistically distinct businesses. Customer needs vary, and companies can tailor their logistics systems to serve their customers better and more profitably. Companies do not create value for customers and sustainable advantage for themselves merely by offering varieties of goods. Rather, they offer goods in distinct ways. A particular can of Coca-Cola, for example, might be a can of Coca-Cola going to a vending machine, or a can of Coca-Cola that comes with billing services. There is a fortune buried in this distinction. The goal of logistics strategy is building distinct approaches to distinct groups of customers. The first step is organizing a cross-functional team to proceed through the following steps: segmenting customers according to purchase criteria, establishing different standards of service for different customer segments, tailoring logistics pipelines to support each segment, and creating economics of scale to determine which assets can be shared among various pipelines. The goal of establishing logistically distinct businesses is familiar: improved knowledge of customers and improved means of satisfying them. PMID:10126157

  20. Internet Banking System Prototype

    CERN Document Server

    Alnaqeib, Rami; Jalab, Hamid A; Zaidan, M A; Hmood, Ali K

    2010-01-01

    Internet Banking System refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer or other intelligent device. Internet banking products and services can include detailed account information for corporate customers as well as account summery and transfer money. Ultimately, the products and services obtained through Internet Banking may mirror products and services offered through other bank delivery channels. In this paper, Internet Banking System Prototype has been proposed in order to illustrate the services which is provided by the Bank online services.

  1. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

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

    OpenAIRE

    Yi-Yuan Liu

    2010-01-01

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

  3. Denying Foreign Bank Entry: Implications For Bank Interest Margins

    OpenAIRE

    Ross Levine

    2003-01-01

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

  4. Psychometric properties of the French version of the short form of the Coopersmith Self-Esteem Inventory among adolescents and young adults.

    Science.gov (United States)

    Potard, Catherine; Amoura, Camille; Kubiszewski, Violaine; Le Samedy, Mathieu; Moltrecht, Brigitte; Courtois, Robert

    2015-06-01

    We examined the psychometric qualities of the Short Form of the Coopersmith Self-Esteem Inventory (SF-CSEI) in a large sample of French adolescents and young adults. A 25-item French version was administered to 1,362 participants (561 aged below 16 years and 801 aged 16-25 years). Participants also completed other scales to measure construct validity (e.g., Rosenberg Self-Esteem Scale, Hospital Anxiety and Depression Scale, and General Health Questionnaire). Factorial analysis yielded evidence for a structure with three first-order factors for the SF-CSEI: personal, social, and family-derived self-esteem. The internal consistency of the questionnaire's different dimensions was satisfactory (Cronbach's α = .68-.77). Pearson's correlation coefficients showed that the SF-CSEI had moderate to high correlations with convergent measures (r = .19-.73) and constructs related to self-esteem (r = -.23-.65). Psychiatric patients (n = 67) scored significantly lower than a control group. Test-retest reliability was good for some of the factors, especially at 5 weeks and 1 year (r = .29-.79). The French version of the SF-CSEI appears to be a useful instrument, with a cross-culturally stable factorial structure. PMID:25655375

  5. FACTORIAL VALIDITY OF THE SHORT FORM OF THE CHILDHOOD TRAUMA QUESTIONNAIRE (CTQ-SF) IN GERMAN PSYCHIATRIC PATIENTS, INMATES, AND UNIVERSITY STUDENTS.

    Science.gov (United States)

    Dudeck, Manuela; Vasic, Nenad; Otte, Stefanie; Streb, Judith; Wingenfeld, Katja; Grabe, Hans Jörgen; Freyberger, Harald J; Schröder, Tina; Von Schönfeld, Carl-Ernst; Driessen, Martin; Barnow, Sven; Spitzer, Carsten

    2015-06-01

    For the purpose of retrospective assessment and characterization of childhood trauma in adults, the factorial validity of the short form of the Childhood Trauma Questionnaire (CTQ-SF) in Germany was evaluated by conducting confirmatory factor analyses for three samples including 1,524 adult psychiatric patients, 224 inmates, and 295 university students. In addition, sex-specific confirmatory factor analyses were performed within each sample. Because several authors have suggested a different factor structure than that originally proposed in the manual, two competing models focusing on the Physical neglect subscale were examined. In psychiatric patients and inmates, the fit indices were reasonable to good. Among the students, factor loadings were markedly lower, and fit indices were poor. Sex-specific analyses did not indicate sex differences. Comparing the original and the alternative models revealed better fit indices of the original factor structure. The present findings indicate that the German version of the CTQ-SF has factorial validity in psychiatric patients and inmates, but not in students. PMID:25933042

  6. Formability of stainless steel tailored blanks

    DEFF Research Database (Denmark)

    Bagger, Claus; Gong, Hui; Olsen, Flemming Ove

    2004-01-01

    In a number of systematic tests, the formability of tailored blanks consisting of even and different combinations of AISI304 and AISI316 in thickness of 0.8 mm and 1.5 mm have been investigated. In order to analyse the formability of tailored blanks with different sheet thickness, a method based ...

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

    OpenAIRE

    Aditya Wardhana

    2015-01-01

    The research aim was to assess the influence of the service quality of mobile banking (m-banking) against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking) were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking ...

  8. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure...

  9. What is Shadow Banking?

    OpenAIRE

    Stijn Claessens; Lev Ratnovski

    2014-01-01

    There is much confusion about what shadow banking is. Some equate it with securitization, others with non-traditional bank activities, and yet others with non-bank lending. Regardless, most think of shadow banking as activities that can create systemic risk. This paper proposes to describe shadow banking as “all financial activities, except traditional banking, which require a private or public backstop to operateâ€. Backstops can come in the form of franchise value of a bank or insurance c...

  10. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by...

  11. Oman; Banking Sector Resilience

    OpenAIRE

    Ananthakrishnan Prasad; Pierluigi Bologna

    2010-01-01

    This note assesses the impact of the global financial risks on Oman's banking system and highlights the remaining risks. It concludes that the liquidity and prudential measures introduced by the authorities mitigated the adverse effects of the crisis on the banking system. Banks continue to make profits despite higher provisioning. Stress tests confirm the resilience of the banking system to credit and market risks. Banks have limited exposure to derivatives and the majority of the off-balanc...

  12. The Chinese Banking System

    OpenAIRE

    Grant Turner; Nicholas Tan; Dena Sadeghian

    2012-01-01

    The Chinese banking system is critical to the functioning of the Chinese economy, being the main conduit through which savings are allocated to investment opportunities. Banking activity in China has grown rapidly over the past decade in association with the expansion of the Chinese economy, and the Chinese banking system now includes some of the world’s largest banks. Chinese banks have become more commercially orientated over this period, although the Chinese Government retains considerable...

  13. Essays on banking

    OpenAIRE

    Tumer-Alkan, G.

    2008-01-01

    The banking literature documents various roles for banks in financial systems. Banks are both ‘liquidity providers’ and ‘information producers’. Banks are especially important for small and medium-size enterprises and represent these firms' principal source of external finance. Hence, the banks’ role is relevant for the smooth functioning and growth of an economy as well. Moreover, when banks and firms enter into a relationship, they are able to overcome problems of asymmetric information and...

  14. Shadow bank monitoring

    OpenAIRE

    Adrian,Tobias; Adam B. Ashcraft; Cetorelli, Nicola

    2013-01-01

    We provide a framework for monitoring the shadow banking system. The shadow banking system consists of a web of specialized financial institutions that conduct credit, maturity, and liquidity transformation without direct, explicit access to public backstops. The lack of such access to sources of government liquidity and credit backstops makes shadow banks inherently fragile. Shadow banking activities are often intertwined with core regulated institutions such as bank holding companies, secur...

  15. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Chinese banks expands its "going out" strategy but faces challenges in establishing a presence in foreign markets The world’s biggest lender by market value, the Industrial and Commercial Bank of China (ICBC), and the Hong Kong-based Bank of East Asia signed an agreement in which ICBC would pay $140.23 million to buy an 80-percent inter- est in Bank of East Asia USA, the Hong Kong bank said on January 23.

  16. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

    <正>Germany is the prototypical economy country.Banks in Germany’s economic life plays a very important role.Germany has a large number of Banks and very dense network of bank branches.Deutsche Bank is by far the biggest German bank and Commerzbank is the second biggest.But with all the economic turmoil in the world these days,such rankings can change within

  17. Bank branches in supermarkets

    OpenAIRE

    Lawrence J. Radecki; John Wenninger; Daniel Orlow

    1996-01-01

    The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening "supermarket," or "in-store," branches: a new type of banking office within a large retail outlet. An alternative to the traditional bank office, the supermarket branch enables banks to improve the efficiency of the branch network and offer greater convenience to customers.

  18. Bank Profitability during Recessions

    OpenAIRE

    Wilko Bolt; Leo de Haan; Marco Hoeberichts; Maarten van Oordt; Job Swank

    2010-01-01

    This paper estimates the relation between bank profitability and economic downturns using a theoretical model that takes into account the bank's lending history as well as amortization and losses on outstanding loans. We focus on total bank profits and its components: net interest income, other income, and net provisioning plus other costs. Using both aggregate and individual bank panel datasets, our results confirm that pro-cyclicality of bank profits is stronger for deep recessions than dur...

  19. Norges Bank Watch 2008

    OpenAIRE

    Juel, Steinar; Molnar, Krisztina Molnar; Røed, Knut

    2008-01-01

    Norges Bank has gone a long way in being open about its decisions and it is one of the most transparent central banks; this report makes a few recommendations about further improving the bank in this respect. Since Norges Bank already has a history of many years of transparency about its decisions and the principles used to make these decisions, it is possible to make a retrospective analysis and evaluate the bank. We think that evaluating and discussing the monetary policy of ...

  20. Selling Failed Banks

    OpenAIRE

    Joao Granja; Gregor Matvos; Amit Seru

    2014-01-01

    We study the recent episode of bank failures and provide simple facts to better understand who acquires failed banks and which forces drive the losses that the FDIC realizes from these sales. We document three distinct forces related to the allocation of failed banks to potential acquirers. First, a geographically proximate bank is significantly more likely to acquire a failed bank: only 15% of acquirers do not have branches within the state. Sales are more local in regions with more soft inf...

  1. Outsourcing central banking

    OpenAIRE

    Khoury, Sarkis Joseph; Wihlborg , Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervision can be "outsourced" in an open economy with substantial foreign direct investment (FDI) in the banking sector if political nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could...

  2. Understanding Banking Sector Globalization

    OpenAIRE

    Linda S. Goldberg

    2009-01-01

    This article profiles the recent evolution and consequences of banking sector globalization. After presenting trends in international banking, the article overviews macroeconomic consequences of banking sector globalization, including the role of banks in the international transmission of shocks, comovements of business cycles, financial crises, and economic growth. Other consequences of banking globalization have parallels with the effects of real-side foreign direct investment, including te...

  3. Psychometric properties of the problematic online gaming questionnaire short-form and prevalence of problematic online gaming in a national sample of adolescents.

    Science.gov (United States)

    Pápay, Orsolya; Urbán, Róbert; Griffiths, Mark D; Nagygyörgy, Katalin; Farkas, Judit; Kökönyei, Gyöngyi; Felvinczi, Katalin; Oláh, Attila; Elekes, Zsuzsanna; Demetrovics, Zsolt

    2013-05-01

    The rise and growing popularity of online games has led to the appearance of excessive gaming that in some cases can lead to physical and psychological problems. Several measures have been developed to explore the nature and the scale of the phenomenon. However, few measures have been validated psychometrically. The aim of the present study was to test the psychometric properties of the 12-item Problematic Online Gaming Questionnaire Short-Form (POGQ-SF) and to assess the prevalence of problematic online gaming. Data collection was carried out to assess the prevalence of problematic online gaming in a national representative adolescent sample by using an offline (pen and pencil) method. A total of 5,045 secondary school students were assessed (51% male, mean age 16.4 years, SD=0.9 years) of which 2,804 were gamers (65.4% male, mean age 16.4 years, SD=0.9 years). Confirmatory factor analysis was applied to test the measurement model of problematic online gaming, and latent profile analysis was used to identify the proportion of gamers whose online game use can be considered problematic. Results showed that the original six-factor model yielded appropriate fit to the data, and thus the POGQ-SF has appropriate psychometric properties. Latent profile analysis revealed that 4.6% of the adolescents belong to a high risk group and an additional 13.3% to a low risk group. Due to its satisfactory psychometric characteristics, the 12-item POGQ-SF appears to be an adequate tool for the assessment of problematic online gaming. PMID:23621688

  4. Cultural adaptation and validation of the “Kidney Disease and Quality of Life - Short Form (KDQOL-SF™ version 1.3” questionnaire in Egypt

    Directory of Open Access Journals (Sweden)

    Abd ElHafeez Samar

    2012-12-01

    Full Text Available Abstract Background Health Related Quality of Life (HRQOL instruments need disease and country specific validation. In Arab countries, there is no specific validated questionnaire for assessment of HRQOL in chronic kidney disease (CKD patients. The aim of this study was to present an Arabic translation, adaptation, and the subsequent validation of the kidney disease quality of life-short form (KDQOL-SFTM version 1.3 questionnaire in a representative series of Egyptian CKD patients. Methods KDQOL-SFTM version 1.3 was translated into Arabic by two independent translators, and then subsequently translated back into English. After translation disparities were reconciled, the final Arabic questionnaire was tested by interviewing 100 pre-dialysis CKD (stage 1-4 patients randomly selected from outpatients attending the Nephrology clinic at the Main Alexandria University Hospital. Test re-test reliability was performed, with a subsample of 50 consecutive CKD patients, by two interviews 7 days apart and internal consistency estimated by Cronbach’s α. Discriminant, concept, and construct validity were assessed. Results All items of SF-36 met the criterion for internal consistency and were reproducible. Of the 10 kidney disease targeted scales, only three had Cronbach’s α TM 1.3 were significantly inter-correlated. Finally, principal component analysis of the kidney disease targeted scale indicated that this part of the questionnaire could be summarized into 10 factors that together explained 70.9% of the variance. Conclusion The results suggest that this Arabic version of the KDQOL-SFTM 1.3 questionnaire is a valid and reliable tool for use in Egyptian patients with CKD.

  5. New insights in symptom assessment: the Chinese Versions of the Memorial Symptom Assessment Scale Short Form (MSAS-SF) and the Condensed MSAS (CMSAS).

    Science.gov (United States)

    Lam, Wendy Wing Tak; Law, Chi Ching; Fu, Yiu Tung; Wong, Kam Hung; Chang, Victor T; Fielding, Richard

    2008-12-01

    There are very few symptom assessment instruments in Chinese. We present the validity and reliability of the Memorial Symptom Assessment Scale Short Form (MSAS-SF) and the Condensed Form MSAS (CMSAS) in Chinese cancer patients. The Chinese version of the 32-item MSAS-SF, a self-report measure for assessing symptom distress and frequency in cancer patients, was administered to 256 Chinese patients with colorectal cancer at a clinical oncology outpatient unit. Highly prevalent symptoms included worrying (59%), dry mouth (54%), lack of energy (54%), feeling sad (48%), feeling irritable (48%), and pain (41%). Both the MSAS-SF and CMSAS demonstrated good validity and reliability. For the MSAS-SF subscales, Cronbach alphas ranged from 0.84 to 0.91, and for CMSAS subscales, from 0.79 to 0.87. Moderate-to-high correlations of MSAS-SF and CMSAS subscales with appropriate European Organization for Research and Treatment of Cancer (EORTC) QLQ-C30 subscales (0.42-0.71, Psvalidity. Low correlations with the Rosenberg Self-Esteem and Optimism Scale (0.22, Pvalidity. MSAS subscales varied as expected with other Chinese scales--the Chinese Health Questionnaire (CHQ) and the Life Orientation Scale. Construct validity of both MSAS versions was demonstrated by effective differentiation between clinically distinct patient groups (Karnofsky scores or =80% [P4 [Pscales (0.31-0.64, Pvalid and practical measures. Further validation is needed for Chinese patients with other cancer types and with other symptom instruments. PMID:18434076

  6. Mobile banking: near future of banking

    OpenAIRE

    Gentiana Gjino; Orkida Ilollari (Findiku)

    2014-01-01

    Banks are now being prepared to take advantage of another profit opportunity which is another product usable by all of us, the 'Mobile phone'. The interest over 'Mobile Banking' product is becoming increasingly intense. Applications and new technologies are spreading through European banks mobilized to embrace this profitable product. It is common knowledge that many users of mobile telephony are actively shifted from PC to mobile devices. It still remains to understand: to what extent this n...

  7. Validação da versão brasileira do questionário genérico de qualidade de vida short-form 6 dimensions (SF-6D Brasil) Validation of the brazilian version of the generic six-dimensional short form quality of life questionnaire (SF-6D Brazil)

    OpenAIRE

    Alessandro Gonçalves Campolina; Adriana Bruscato Bortoluzzo; Marcos Bosi Ferraz; Rozana Mesquita Ciconelli

    2011-01-01

    OBJETIVO: O presente estudo tem por objetivo apresentar a tradução e a validação do questionário SF-6D (Short-Form 6 dimensions) para o contexto brasileiro, com base no modelo e na versão desenvolvida no Reino Unido em 2002. Métodos: Estudo observacional e transversal. Foram aplicados os instrumentos de avaliação de qualidade de vida: HAQ (Health Assessment Questionaire), SF-36, EQ-5D (EuroQol-5D) e SF-6D (versão de 2002). Estatísticas descritivas e coeficientes de correlação foram usados par...

  8. Were Universal Banks More Vulnerable to Banking Failures? Evidence From the 1931 German Banking Crisis

    OpenAIRE

    Adalet, Müge

    2009-01-01

    This paper examines the 1931 German banking crisis using a bank-level data set. It specifically focuses on the link between banking structure and financial stability. The universality of banks, a key characteristic of the German banking system, is shown to increase the probability of bank failure after controlling for other bank-level characteristics and macroeconomic variables.

  9. Aeroelastic Tailoring via Tow Steered Composites

    Science.gov (United States)

    Stanford, Bret K.; Jutte, Christine V.

    2014-01-01

    The use of tow steered composites, where fibers follow prescribed curvilinear paths within a laminate, can improve upon existing capabilities related to aeroelastic tailoring of wing structures, though this tailoring method has received relatively little attention in the literature. This paper demonstrates the technique for both a simple cantilevered plate in low-speed flow, as well as the wing box of a full-scale high aspect ratio transport configuration. Static aeroelastic stresses and dynamic flutter boundaries are obtained for both cases. The impact of various tailoring choices upon the aeroelastic performance is quantified: curvilinear fiber steering versus straight fiber steering, certifiable versus noncertifiable stacking sequences, a single uniform laminate per wing skin versus multiple laminates, and identical upper and lower wing skins structures versus individual tailoring.

  10. Cultural adaptation and validation of the “Kidney Disease and Quality of Life - Short Form (KDQOL-SF™) version 1.3” questionnaire in Egypt

    Science.gov (United States)

    2012-01-01

    Background Health Related Quality of Life (HRQOL) instruments need disease and country specific validation. In Arab countries, there is no specific validated questionnaire for assessment of HRQOL in chronic kidney disease (CKD) patients. The aim of this study was to present an Arabic translation, adaptation, and the subsequent validation of the kidney disease quality of life-short form (KDQOL-SFTM) version 1.3 questionnaire in a representative series of Egyptian CKD patients. Methods KDQOL-SFTM version 1.3 was translated into Arabic by two independent translators, and then subsequently translated back into English. After translation disparities were reconciled, the final Arabic questionnaire was tested by interviewing 100 pre-dialysis CKD (stage 1-4) patients randomly selected from outpatients attending the Nephrology clinic at the Main Alexandria University Hospital. Test re-test reliability was performed, with a subsample of 50 consecutive CKD patients, by two interviews 7 days apart and internal consistency estimated by Cronbach’s α. Discriminant, concept, and construct validity were assessed. Results All items of SF-36 met the criterion for internal consistency and were reproducible. Of the 10 kidney disease targeted scales, only three had Cronbach’s α <0.7: quality of social interaction (0.23), work status (0.28), and cognitive function (0.60). All disease specific scales were reproducible. Results from discriminant validity showed that the study questionnaire could discriminate between patients’ subgroups. As for concept validity, the correlation between all domains of the questionnaire with overall health ratewas significant for all domains except for the work status, sexual function, emotional wellbeing, and role emotional. Furthermore, the correlation between the disease specific domains and the two composite summaries of SF-36 (physical and mental composite summaries) was significant for all domains except for sexual function with mental composite

  11. Translation, adaptation, validation and performance of the American Weight Efficacy Lifestyle Questionnaire Short Form (WEL-SF to a Norwegian version: a cross-sectional study

    Directory of Open Access Journals (Sweden)

    Tone N. Flølo

    2014-09-01

    Full Text Available Background. Researchers have emphasized a need to identify predictors that can explain the variability in weight management after bariatric surgery. Eating self-efficacy has demonstrated predictive impact on patients’ adherence to recommended eating habits following multidisciplinary treatment programs, but has to a limited extent been subject for research after bariatric surgery. Recently an American short form version (WEL-SF of the commonly used Weight Efficacy Lifestyle Questionnaire (WEL was available for research and clinical purposes. Objectives. We intended to translate and culturally adapt the WEL-SF to Norwegian conditions, and to evaluate the new versions’ psychometrical properties in a Norwegian population of morbidly obese patients eligible for bariatric surgery. Design. Cross-sectional Methods. A total of 225 outpatients selected for Laparoscopic sleeve gastrectomy (LSG were recruited; 114 non-operated and 111 operated patients, respectively. The questionnaire was translated through forward and backward procedures. Structural properties were assessed performing principal component analysis (PCA, correlation and regression analysis were conducted to evaluate convergent validity and sensitivity, respectively. Data was assessed by mean, median, item response, missing values, floor- and ceiling effect, Cronbach’s alpha and alpha if item deleted. Results. The PCA resulted in one factor with eigenvalue > 1, explaining 63.0% of the variability. The WEL-SF sum scores were positively correlated with the Self-efficacy and quality of life instruments (p < 0.001. The WEL-SF was associated with body mass index (BMI (p < 0.001 and changes in BMI (p = 0.026. A very high item response was obtained with only one missing value (0.4%. The ceiling effect was in average 0.9 and 17.1% in the non-operated and operated sample, respectively. Strong internal consistency (r = 0.92 was obtained, and Cronbach’s alpha remained high (0.86–0.92 if

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

    OpenAIRE

    Miranda Petronella VLAD; Mariana Rodica TIRLEA

    2012-01-01

    E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accoun...

  13. Welding of tailored blanks of different materials

    OpenAIRE

    Suban, Marjan; Tušek, Janez; Kampuš, Zlatko

    2015-01-01

    This paper treats welding of tailored blanks made of different materials. In general, fusion welding and welding with pressure, practically without fusion, are described. Fusion welding may be carried out with or without the addition of filler material. In Section 3, general characteristics of tailored blanks are described. In Section 4, MIG welding and laser welding of austenitic stainless steel with ferrite non-stainless steel are described. After welding, hardness of the welded joints was ...

  14. Tailored displays to compensate for visual aberrations

    OpenAIRE

    Pamplona, Vitor F.; Oliveira, Manuel M.; Aliaga, Daniel G.; Raskar, Ramesh

    2012-01-01

    We introduce tailored displays that enhance visual acuity by decomposing virtual objects and placing the resulting anisotropic pieces into the subject's focal range. The goal is to free the viewer from needing wearable optical corrections when looking at displays. Our tailoring process uses aberration and scattering maps to account for refractive errors and cataracts. It splits an object's light field into multiple instances that are each in-focus for a given eye sub-aperture. Their integrati...

  15. Internet Banking

    OpenAIRE

    Felician ALECU

    2009-01-01

    Σκοπός της εργασίας είναι η μελέτη της Τραπεζικής του Διαδικτύου. Ειδικότερα η διερεύνηση των μελλοντικών εξελίξεων του Internet Banking αλλά και των επιπτώσεων που αναμένεται να επιφέρει η περαιτέρω ανάπτυξή του στην παραδοσιακή Τραπεζική και τον ευρύτερο Τραπεζικό και χρηματοοικονομικό τομέα. Η εργασία είναι οργανωμένη σε τρεις θεματικές ενότητες-κεφάλαια. Στο πρώτο κεφάλαιο γίνεται αναφορά σε θεμελιώδη θέματα που αφορούν την Τραπεζική του Διαδικτύου. Πέρα από τους ορισμούς των Τραπεζικ...

  16. Impact of Electronic Banking Innovations on Bank Deposit Market Share

    OpenAIRE

    Kashmari A; Nejad AHG; Nayebyazdi A

    2016-01-01

    Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of...

  17. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ Nine years of controversy regarding a national postal savings bank is expected to finally conclude this year. In April, the China Banking Regulatory Commission (CBRC)announced the establishment of a new department, one of the main functions of which will be to supervise postal savings.

  18. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

    Perbankan merupakan pokok dari sistem keuangan setiap negara, karena perbankan merupakan salah satu motor penggerak pembangunan seluruh bangsa. Krisis perbankan berdampak pada turunnya kepercayaan masyarakat terhadap industri perbankan. Berbagai masalah di sektor perbankan yang tidak terdeteksi secara dini akan mengakibatkan runtuhnya kepercayaan masyarakat terhadap industri perbankan, Skripsi mi mengemukakan bagaimana penilaian kesehatan bank umum yang dilakukan oleh Bank Indonesia, bagai...

  19. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Honoring its WTO commitments, China has begun to allow local incorporation by foreign banks, endowing them with the same status as their Chinese counterparts in an attempt to encourage diversified development in the Chinese banking sector On March 18, Wi

  20. GenBank

    Data.gov (United States)

    U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

  1. Tailoring thermal interfaces with nanomaterials

    Science.gov (United States)

    Seshadri, Indira

    Thermal interfaces are key to ensure the reliable performance of many semiconductor, energy and electronic systems. High thermal conductivity (k), low elastic modulus (E) interface materials are required to dissipate heat and relieve thermo-mechanical stresses. The aim of this thesis is to develop compliant, high k nanocomposite materials for thermal interface applications utilizing nanostructured networks. Realizing high k nanocomposites is a challenge because of difficulties in incorporating high fractions of uniformly dispersed nanofillers and countering low filler-matrix interfacial conductance, while retaining a low elastic modulus. In this thesis, it is demonstrated that these issues are obviated by using mechanical softening of polymer matrices. It is demonstrated that silver nanowire fillers result in a three-fold decrease in viscoelastic storage modulus of polydimethylsiloxane composites above a low critical filler fraction of ~0.5%, contrary to theoretical predictions presaging a modulus increase. Similar fractions of silver nanocube fillers result in no such observable effects. Rheology measurements and calorimetric kinetics analyses reveal that high surface area nanowire filler percolation networks curtail macromolecular mobility via pre-cure gelation, and hinder crosslinking. This thesis also demonstrates novel techniques to create tailored nanowires and networks for high k nanocomposites. Branched Ag nanowires are synthesized via controlled interruptions to microwave-stimulated polyvinylpyrrolidone-directed polyol-reduction of silver nitrate. Microwave exposure results in micrometer-long nanowires passivated with polyvinylpyrrolidone. Cooling the reaction mixture by interrupting microwave exposure promotes nanocrystal nucleation at low-surfactant coverage sites. The nascent nuclei grow into nanowire branches upon further microwave exposure. Dispersions of low fractions of the branched nanowires in polydimethylsiloxane yield up to 60 % higher thermal

  2. Bank Funding Modes

    OpenAIRE

    Stuart I. Greenbaum; Anjan V. Thakor

    2004-01-01

    We examine a bank's choice of whether to fund the loans it originates by emitting deposits or to sell the loans to investors. With common knowledge of loan quality and laissez faire banking, we find that the choice is irrelevant. With asymmetric information but without government intervention, we find that better quality assets will be sold (securitized) and poorer quality assets will be funded with deposits. Public regulation can influence the bank's choice; subsidies can cause a bank to fav...

  3. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

    Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...... considerable strain on the Bank and its image, leading it to reconsider its previous strategy of denial of responsibility...

  4. Securitization and Bank Performance

    OpenAIRE

    Casu, B; Clare, A; Sarkisyan, A.; Thomas, S.

    2013-01-01

    Using predominantly precrisis U.S. commercial bank data, this paper employs a propensity score matching approach to analyze whether individual banks did improve their performance through securitization. On average, our results show that securitizing banks tend to be more profitable institutions, with higher credit risk exposure. Despite a more diversified funding structure, they face higher funding costs. We also find that securitizing banks tend to hold larger and less diversified loan portf...

  5. The Shanxi Banks

    OpenAIRE

    Randall Morck; Fan Yang

    2010-01-01

    The remote inland province of Shanxi was late Qing dynasty China's paramount banking center. Its remoteness and China's almost complete isolation from foreign influence at the time lead historians to posit a Chinese invention of modern banking. However, Shanxi merchants ran a tea trade north into Siberia, travelled to Moscow and St. Petersburg, and may well have observed Western banking there. Nonetheless, the Shanxi banks were unique. Their dual class shares let owners vote only on insiders'...

  6. Early public banks

    OpenAIRE

    Roberds, William; Velde, François R.

    2014-01-01

    Publicly owned or commissioned banks were common in Europe from the fifteenth century. This survey argues that while the early public banks were characterized by great experimentation in their design, a common goal was to create a liquid and reliable monetary asset in environments where such assets were rare or unavailable. The success of these banks was however never guaranteed, and even well-run banks could become unstable over time as their success made them susceptible to fiscal exploitat...

  7. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

    The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...

  8. Boards of Banks

    OpenAIRE

    Daniel Ferreira; Tom Kirchmaier; Daniel Metzger

    2011-01-01

    We show that country characteristics explain most of the cross-sectional variation in bank board independence. In contrast, country characteristics have little explanatory power for the fraction of outside bank directors with experience in the banking industry. Exploiting the time-series dimension of the sample, we show that changes in bank characteristics are not robustly associated with changes in board independence, while changes in board experience are positively related to changes in ban...

  9. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

    Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

  10. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  11. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    Regulators issue policies to guide China’s banks as massive loans compromise the banking sector’s ability to contain future risks R egulatory departments are strengthening their supervision over financial institutions to prevent an incomprehensible financial scenario from unfolding: the failure of the Chinese banking

  12. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    My name is Jane Carson and I'm the manager of savings bank in Portland,Oregon,My bank is open every day from8:30 in the moming until 4:00 in the aftermoon.On Fridays the bank remains oper until 6:30 in the evening.

  13. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    The opening up of China’s banking sector took another giant step forward on March 20 when the first four foreign banks gained approval to incorporate locally. After going through commercial registration formalities, the banks will be able to con- duc

  14. Polymer bank notes

    OpenAIRE

    Brian Lang; John Barry

    1999-01-01

    On 3 May 1999 the Bank issued a new $20 bank note into circulation that had been printed on a polymer substrate. This article traces the history of polymer, briefly describes the process of production, and highlights the benefits of the substrate and the implications for the future of bank note handling within the country.

  15. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

    Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

  16. More Localized Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    The country's banking watchdog says that to engage in the retail renminbi business, foreign banks must become Chinese legal entities According to China's commitment at its accession to the WTO, as of December 11 this year, it will fully open renminbi business to foreign-funded banks. However, this does not mean that the 103 China branches of foreign

  17. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if politica...

  18. Better borrowers, fewer banks?

    OpenAIRE

    Christophe J. Godlewski; Frédéric Lobez; Jean-Christophe Statnik

    2010-01-01

    We investigate the relationship between borrower quality and the structure of the pool of banks. First, we develop a theoretical model where the size of the banking pool is a credible signal of firm quality. We argue that better borrowers seek to disclose their quality in a credible way through the structure of the banking pool involving fewer banks. Second, we test our prediction using a sample of more than 3,000 loans from 19 European countries. We perform regressions of the number of bank ...

  19. Extreme Spillover Between Shadow Banking and Regular Banking

    OpenAIRE

    Paraschiv, Florentina; Qin, Minzi

    2013-01-01

    The current financial crisis brought light to a large banking sector that existed for decades within the "darkness" of the financial system - the shadow banking sector. Shadow bank assets are widely traded in the financial markets and shadow banking activities are intertwined with the daily business of regular banks. This unregulated banking sector has become systematically important. Its failure affected the entire banking system. We present a model based on multivariate extreme value theory...

  20. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    OpenAIRE

    Mirela CIOCAN

    2014-01-01

    The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return ...

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

    OpenAIRE

    Cargill, Thomas F.

    2006-01-01

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

  2. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC's experience teaches us three important lessons: First, systemically important financial institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be...

  3. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC’s experience teaches us three important lessons: first, systemically important institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient to...

  4. Tailoring group velocity by topology optimization

    DEFF Research Database (Denmark)

    Stainko, Roman; Sigmund, Ole

    up with slow light, zero group velocity dispersion photonic waveguides or photonic waveguides with tailored dispersion properties for dispersion compensation purposes. An example concerning the design of a wide bandwidth, constant low group velocity waveguide demonstrate the e±ciency of the method.......The paper describes a systematic method for the tailoring of dispersion properties of slab-based photonic crystal waveguides. The method is based on the topology optimization method which consists in repeated finite element frequency domain analyses. The goal of the optimization process is to come...

  5. Banking system in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

    This paper examines the overall banking system and the basic banking system development factors such as internet banking and deposit insurance in the world and particularly in Kyrgyzstan. The analyses show that progress in banking reform, introduction of deposit insurance and internet banking concepts are essential for avoiding harmful problems, development stable and solvent banking system. These developments include the more effective regulation of the entry and exit of banks, removal of ob...

  6. Adopting Internet Banking in Ghana

    OpenAIRE

    G.O. Ofori-Dwumfuo; Betty A. Dankwah

    2013-01-01

    This study looks at the benefits, challenges and barriers in adopting Internet banking at a major bank in Ghana. The development of the Internet is changing the way financial services are provided in Ghana. The Internet banking facility has resulted in new ways of delivering banking services. The research is a case study based on the staffs that has worked with the bank for more than three years. In evaluating benefits, challenges and barriers to the bank in adopting Internet banking, intervi...

  7. Customer Experience in Banking Industry

    OpenAIRE

    Michálková, Anna

    2015-01-01

    This thesis analyzes the field of Customer Experience. The goal is to apply these issues to the banking market and understand what role has the relationship between the bank and the customer due to the prosperity of the bank. The paper describes the current Czech banking market, its trends in recent years and segmentation of bank clients. One of the major changes on the Czech banking market concerns ever increasing competition between banks and increase competition for consumers. Customer Exp...

  8. Do Foreign Banks Lead in Internet Banking Services?

    Directory of Open Access Journals (Sweden)

    Kooi Guan CHEAH

    2005-01-01

    Full Text Available Internet banking has been increasingly used as a delivery channel in retail consumer banking. As far as the provision of internet banking services in developing countries is concerned, foreign banks definitely enjoy distinct advantages over domestic banks due to their experiences in other, more advanced financial markets. This paper reports a study that examined the levels of retail internet banking services provided by foreign and domestic commercial banks in Malaysia over a period of two years. The study found that while foreign banks are marginally more sophisticated at information provision level, domestic banks offer a significantly higher level of transactional facilities in both years.

  9. Quality of life and discriminating power of two questionnaires in fibromyalgia patients: fibromyalgia Impact Questionnaire and Medical Outcomes Study 36-Item Short-Form Health Survey A qualidade de vida e o poder de discriminação de dois questionários em pacientes com fibromialgia: fibromyalgia Impact Questionnaire e Medical Outcomes Study 36-Item Short-Form Health Survey

    Directory of Open Access Journals (Sweden)

    Ana Assumpção

    2010-08-01

    Full Text Available BACKGROUND: Fibromyalgia is a painful syndrome characterized by widespread chronic pain and associated symptoms with a negative impact on quality of life. OBJECTIVES: Considering the subjectivity of quality of life measurements, the aim of this study was to verify the discriminating power of two quality of life questionnaires in patients with fibromyalgia: the generic Medical Outcomes Study 36-Item Short-Form Health Survey (SF-36 and the specific Fibromyalgia Impact Questionnaire (FIQ. METHODS: A cross-sectional study was conducted on 150 participants divided into Fibromyalgia Group (FG and Control Group (CG (n=75 in each group. The participants were evaluated using the SF-36 and the FIQ. The data were analyzed by the Student t-test (α=0.05 and inferential analysis using the Receiver Operating Characteristics (ROC Curve - sensitivity, specificity and area under the curve (AUC. The significance level was 0.05. RESULTS: The sample was similar for age (CG: 47.8±8.1; FG: 47.0±7.7 years. A significant difference was observed in quality of life assessment in all aspects of both questionnaires (pCONTEXTUALIZAÇÃO: A fibromialgia é uma síndrome dolorosa caracterizada por dor espalhada e crônica e sintomas associados com um impacto negativo na qualidade de vida. OBJETIVOS: Considerando a subjetividade da mensuração de qualidade de vida, o objetivo deste estudo foi avaliar o poder de discriminação de dois questionários que avaliam a qualidade de vida de pacientes com fibromialgia: o genérico Medical Short Form Healthy Survey (SF-36 e o específico Questionário do Impacto da Fibromialgia (QIF. MÉTODOS: Foi conduzido um estudo transversal com 150 indivíduos, divididos em dois grupos: grupo fibromialgia (FM e grupo controle (GC (n=75 em ambos. Os pacientes foram avaliados pelo SF-36 e pelo QIF. Na análise dos dados, utilizou-se o teste "t de Student" com α=0,05 e a Curva ROC (Receiver Operating Characteristics Curve. RESULTADOS: As amostras

  10. Dispersion-tailored active-fiber solitons

    Science.gov (United States)

    van Tartwijk, Guido H. M.; Essiambre, René-Jean; Agrawal, Govind P.

    1996-12-01

    We show analytically that tailoring the fiber dispersion appropriately can cause optical solitons to propagate unperturbed, without emission of dispersive waves, in a distributed-gain fiber amplifier with a nonuniform gain profile. We apply our scheme to a bidirectionally pumped fiber amplifier and discuss the importance of higher-order nonlinear and dispersive effects for short solitons.

  11. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

    Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.

  12. Comparisons between the Nottingham Health Profile and the Short Form-36 for assessing the quality of life of community-dwelling elderly Comparação dos instrumentos de qualidade de vida Perfil de Saúde de Nottingham e Short Form-36 em idosos da comunidade

    Directory of Open Access Journals (Sweden)

    Christina D. C. M. Faria

    2011-10-01

    Full Text Available BACKGROUND: The aging population and associated high disability rates make the assessment of health-related quality of life (HRQOL a high priority for elderly people. OBJECTIVES: To compare the Brazilian versions of the Nottingham Health Profile (NHP and the Short Form Health Survey-36 (SF-36 regarding their measurement properties, such as, ceiling and floor effects, inter-rater/test-retest reliabilities, internal consistency, and the associations between the total scores and those of similar domains. METHODS: The NHP and the SF-36 were randomly administered through interviews to 40 community-dwelling elderly (mean age 70.57; SD=7.42 years. The scores of the five similar domains of the NHP and the SF-36, in percentages, were compared: Energy level/Vitality (EL/V, pain, emotional reactions/mental health (EM/MH, social isolation/social functioning (SI/SF, and physical mobility/physical functioning (PA/PF. Descriptive statistics, Spearman Correlation Coefficient, a-Cronbach, and Intraclass Correlation Coefficients (ICCs were used for analyses (a=0.05. RESULTS: Both instruments demonstrated ceiling and floor effects for all similar domains, however the NHP showed, on average, higher scores for individual domains and total scores, as well as, floor effects for the SI domain. The internal consistency (NHP=0.86; SF-36=0.80, the inter-rater reliability (NHP=0.99; SF-36=0.96 and the test-retest reliability (NHP=0.94; SF-36=0.83 were considered adequate. Positive and statistically significant correlations were found between all similar domains (p≤0.01; 0.41≤rs≤0.70, except for those related to EL and vitality (rs=0.21;p=0.19. CONCLUSIONS: The SF-36 demonstrated to be more adequate regarding the ceiling and floor effects, whereas the NHP presented a higher internal consistency and reliability levels. These findings should be considered for selecting instruments for the assessment of HRQOL of community-dwelling elderly.CONTEXTUALIZAÇÃO: O

  13. Islamic Banking and Finance

    OpenAIRE

    AlFarra, Diaa M. S.

    2015-01-01

    Islamic Banking and Finance has been growing rapidly during the last decades. Descriptive analysis has been used in order to introduce the Islamic banking and finance and how it works. On other hand, clarify the Islamic Banking and Finance Systems and show how it works in part of liability and also profit and loss sharing basis. In addition to that, the main similarities and differences were properly identified, introduced and discussed in the paper. It is obvious that there are many similari...

  14. Essays on Bank Risk

    OpenAIRE

    Cabiles, Neil Adrian

    2012-01-01

    This PhD Thesis is composed of three chapters, each discussing a specific type of risk that banks face. The first chapter talks about Systemic Risk and how banks get exposed to it through the Interbank Funding Market. Exposures in the said market have Systemic Risk implications because the market creates linkages, where the failure of one party can affect the others in the market. By showing that CDS Spreads, as bank risk indicators, are positively related to their Net Interbank Funding ...

  15. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

    Since there is not a special common framework for valuation banks and it gives possibilities to create establishment, improvement and adaptation of various approaches to measuring the value of banks and financial institutions. Most approaches banks valuation note the strong dependence of financial institutions value from market interest rates (Mishkin, F., Miller, WD, Copeland, T., Koller, T., Damodaran, A., and others). Each approache reflects greater or lesser degree of accuracy depending o...

  16. Bank Customers Management System

    OpenAIRE

    Ebubeogu Amarachukwu Felix

    2015-01-01

    ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is A...

  17. Banks on Board

    OpenAIRE

    Jeffrey Fear; Christopher Kobrak

    2007-01-01

    As part of a series of related papers, the authors examine the conceptual foundations of German and American corporate governance, specifically highlighting the role of banks' relationships to corporations and the stock market. This paper focuses on how the regulatory and macroeconomic environments of the two countries helped shape how banks, especially money-centred bankers, actually interacted with their clients. Prior to 1914, despite many regulatory obstacles, American banks wielded more ...

  18. Agricultural Development Bank Reform

    OpenAIRE

    Seibel, Hans Dieter

    2001-01-01

    Agricultural development banks (AgDBs), which are not viable, should either be closed, or transformed into self-reliant, sustainable financial intermediaries. Experience shows that reform is possible. Among the prominent cases are Bank Rakyat Indonesia (BRI) and Bank for Agriculture and Agricultural Cooperatives (BAAC, Thailand) as well as ADB/Nepal, which has been transforming its small farmer credit program into financially self-reliant local financial intermediaries owned and managed by th...

  19. BANKING PRIVATIZATION IN TURKEY

    OpenAIRE

    Ersoy, İmre

    2015-01-01

    It seems impossible to drive a general rule concerning the outcomes of privatization that would be applicable to each country or sector. Privatization may lead to better use of resources but also to extraction of profit overseas and growing industrial concentration. Privatization of banking is more delicate an issue because of the potential to undermine confidence in the system. Moreover, there is the problem of obtaining data on bank privatization as public banks have always been an importan...

  20. 12 CFR 917.10 - Bank bylaws.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank bylaws. 917.10 Section 917.10 Banks and Banking FEDERAL HOUSING FINANCE BOARD GOVERNANCE AND MANAGEMENT OF THE FEDERAL HOME LOAN BANKS POWERS AND RESPONSIBILITIES OF BANK BOARDS OF DIRECTORS AND SENIOR MANAGEMENT § 917.10 Bank bylaws. A Bank's board...

  1. Bank Capital Management

    OpenAIRE

    Jokipii, T.K.

    2009-01-01

    The work undertaken in this study empirically explores the determinants of regulatory bank capital bu®ers, and how they in°uence bank decisions. Focusing on bank capital management under the Basel I framework, this thesis serves to address some of the con- cerns that have been voiced regarding the implementation of the new regulation (Basel II) and the broader economic e®ects that could result. In particular, the research chapters of this thesis examine the cyclical behavior of European bank ...

  2. PENGELOLAAN LIKUIDITAS BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  3. Banking union and a single bank supervisory mechanism

    OpenAIRE

    Sibert, Anne

    2012-01-01

    This note considers why a banking union is an essential component of a well-functioning monetary union. I describe some the consequences of banking union for the euro area. I describe how the European banking union should be designed.

  4. Private Banking and Wealth Management Services Offered by Banks

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

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

  5. World Bank Group/World Bank Corporate Scorecards, April 2016

    OpenAIRE

    World Bank Group

    2016-01-01

    This pamphlet presents the World Bank Group and World Bank Corporate Scorecards updated with latest data available for Tier 3 (Performance Tier) as of December 31, 2015. Tiers 1 and 2 present data from end of fiscal year 2015. The World Bank Group Corporate Scorecard monitors the implementation of the World Bank Group Strategy. The Scorecard provides an apex view of the results and performance indicators of the three World Bank Group institutions—the World Bank (WB), ...

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

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

  7. Bank profitability: Insights from the rural banking industry in Ghana

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

    Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.

  8. Validação da versão brasileira do questionário genérico de qualidade de vida short-form 6 dimensions (SF-6D Brasil Validation of the brazilian version of the generic six-dimensional short form quality of life questionnaire (SF-6D Brazil

    Directory of Open Access Journals (Sweden)

    Alessandro Gonçalves Campolina

    2011-07-01

    Full Text Available OBJETIVO: O presente estudo tem por objetivo apresentar a tradução e a validação do questionário SF-6D (Short-Form 6 dimensions para o contexto brasileiro, com base no modelo e na versão desenvolvida no Reino Unido em 2002. Métodos: Estudo observacional e transversal. Foram aplicados os instrumentos de avaliação de qualidade de vida: HAQ (Health Assessment Questionaire, SF-36, EQ-5D (EuroQol-5D e SF-6D (versão de 2002. Estatísticas descritivas e coeficientes de correlação foram usados para a análise dos dados. RESULTADOS: Foram avaliados 200 pacientes portadores de artrite reumatóide, com média de idade de 49,22 anos, tempo medido de doença de 11,16 anos e HAQ médio de 1,02. As preferências mensuradas pelo SF-6D, pelo EQ-5D e pelas técnicas de EVA (escala visual analógica, TTO (time trade-off e SG (standard gamble apresentaram correlações significativas entre si, com coeficientes de Pearson variando de 0,19 a 0,66 (p OBJECTIVE: This study seeks to present the translation and validation of the SF-6D in the Brazilian context, based on the model and the version developed in the United Kingdom in 2002. METHODS: An observational and transversal study. The tools for assessing quality of life were applied, namely HAQ, SF-36, EQ-5D and SF-6D (2002 version. Descriptive statistics and correlation coefficients were used for data analysis. RESULTS: 200 patients with rheumatoid arthritis, with a mean age of 49.22 years, 11.16 years of disease and mean HAQ 1.02 were studied. Preferences measured by the SF-6D, the EQ-5D and the techniques of EVA, TTO and SG were found to correlate among themselves, with Pearson coefficients from 0.19 to 0.66 (p <0.01. Conclusion: The SF-6D Brazil questionnaire represents a valid option for assessing preferences on economic analysis conducted in Brazil.

  9. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

    The rather straightforward restructuring of the Bank of Beijing became more arresting in January after Deutsche Bank was reported to be competing with its Dutch rival ING to purchase a stake in the local city commercial bank.

  10. International fuel bank

    International Nuclear Information System (INIS)

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  11. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

    Full Text Available The article deals with the specifics of banking innovations, the global trends of innovative strategies in the banking sector was described, analyzed the necessary methodology for their implementation, proposed plan of innovative activities and its possible application in Ukraine.

  12. Polymer bank notes

    OpenAIRE

    Brian Lang

    2002-01-01

    In May 1999 the Reserve Bank issued its first polymer bank notes into circulation. By March 2000 all denominations had been converted from paper to polymer. By the end of 2001 approximately 110 million polymer notes had been issued into circulation. This article assesses the performance of polymer notes compared with our expectations at the time they were introduced.

  13. Organization of eye bank

    International Nuclear Information System (INIS)

    Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

  14. Marketing of bank innovations

    Directory of Open Access Journals (Sweden)

    T.A. Vasileva

    2011-01-01

    Full Text Available In the article it is determined the specificity of bank innovations. Level of their introduction in Ukraine is analyse. General tendencies in development of marketing of bank innovations are proved and the scientifically-methodical approach to an estimation of its efficiency is offered.

  15. GREEN BANKING IN INDIA

    Directory of Open Access Journals (Sweden)

    S.G. KHAWASPATIL

    2013-01-01

    Full Text Available Sustainable enlargement can best be achieved by permitting markets to work within an appropriate framework of cost efficient regulations and economic instruments. One of the major economic agents influencing overall industrial activity and economic growth is the financial institutions such as banking sector. In a globalised economy, the industries and firms are vulnerable to stringent environmental policies, severe law suits or consumer boycotts. Since banking sector is one of the major stake holders in the Industrial sector, it can find itself faced with credit risk and liability risks. Further, environmental impact might affect the quality of assets and also rate of return of banks in the long-run. Thus the banks should go green and play a pro-active role to take environmental and ecological aspects as part of their lending principle, which would force industries to go for mandated investment for environmental management, use of appropriate technologies and management systems. This paper explores the importance of Green Banking, sites international experiences and highlights important lessons for sustainable banking and development in India. However, we find that there has not been much initiative in this regard by the banks and other financial institutions in India though they play an active role in India's emerging economy. Therefore, we suggest possible policy measures and initiative to promote green banking in India.

  16. iBank

    Science.gov (United States)

    Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.

    2012-01-01

    iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…

  17. Tailored Trustworthy Spaces: Solutions for the Smart Grid

    Data.gov (United States)

    Networking and Information Technology Research and Development, Executive Office of the President — The NITRD workshop on Tailored Trustworthy Spaces: Solutions for the Smart Grid was conceived by the Federal government to probe deeper into how Tailored...

  18. The Solar Bank concept

    International Nuclear Information System (INIS)

    The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

  19. Bank Value and Financial Fragility

    OpenAIRE

    Gobert, Karine; González, Patrick; Poitevin, Michel

    2002-01-01

    We propose a valuation model for a bank which faces a bankruptcy risk. Banks are identified with a possibly infinite random sequence of net benefits. A bank is solvent as long as its benefits remain non-negative. To preserve distressed banks from destruction, banks will be pooled within a financial coalition. When possible, those with current positive balance sheet will refinance those in need of liquidity. Banks are refinanced to the extent that their current needs for liquidity do not excee...

  20. Banking on Corporate Social Responsibility

    OpenAIRE

    Timothy Rice; Cyril Peter

    2015-01-01

    This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR) in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their...

  1. Derivatives Activity at Troubled Banks

    OpenAIRE

    Joe Peek; Rosengren, Eric S.

    1996-01-01

    Derivatives have become an essential instrument for hedging risks, yet moral hazard can lead to their misuse by problem banks. Given that the absence of comprehensive data on bank derivatives activities prevents an accurate assessment of bank risk-taking, banks have an opportunity to take unmonitored second bets. Thus , troubled banks have the motive to increase risk, and derivatives provide the means to do so. The role of bank supervisors should be to limit the opportunity through more compr...

  2. Tailored Security and Safety for Pervasive Computing

    Science.gov (United States)

    Blass, Erik-Oliver; Zitterbart, Martina

    Pervasive computing makes high demands on security: devices are seriously resource-restricted, communication takes place spontaneously, and adversaries might control some of the devices. We claim that 1.) today’s research, studying traditional security properties for pervasive computing, leads to inefficient, expensive, and unnecessary strong and unwanted security solutions. Instead, security solutions tailored to the demands of a user, the scenario, or the expected adversary are more promising. 2.) Today’s research for security in pervasive computing makes naive, inefficient, and unrealistic assumptions regarding safety properties, in particular the quality of basic communication. Therefore, future security research has to consider safety characteristics and has to jointly investigate security and safety for efficient, tailored solutions.

  3. Dissolution of tailored ceramic nuclear waste forms

    International Nuclear Information System (INIS)

    Dissolution experiments on polyphase, high alumina tailored ceramic nuclear waste forms developed for the chemical immobilization of Savannah River Plant nuclear waste are described. Three forms of leach tests have been adopted; bulk samples conforming to the Materials Characterization Center Static Leach Test (MCC-1), a powdered sample leach test, and a leach test performed on transmission electron microscope thin foil samples. From analysis of these tests the crystalline phases that preferentially dissolve on leaching and the product phases formed are identified and related to the tailoring and processing schemes used in forming the ceramics. The thin foil sample leaching enables the role of intergranular amorphous phases as short-circuit leaching paths in polyphase ceramics to be investigated

  4. Laser cutting of sheets for Tailored Blanks

    DEFF Research Database (Denmark)

    Bagger, Claus; Olsen, Flemming Ove

    1999-01-01

    Over the past few years there has been an enormous increase in the use of tailored blanks, especially in the automotive industry. Often the sheets for tailored blanks are shear cut, but results have been reported that the allowable sheet gap distance should not exceed 0.1 mm in order to obtain...... the squareness, the surface roughness and the burr height. Mild steel as well as high strength steel with and with out galvanisation with thickness' of 0.7(5) and 1.25 were used.In the tests the difference in cut quality between a 5" and a 7.5" focusing lens were tested and the effect of using pulsed...... mode laser cutting instead of continuous wave cutting at average power settings of approximately 500, 1000, 1500 and 2000 W were analysed. Furthermore the optimum assist gas pressure and optimum cutting speeds were identified. The results showed that the highest qualities are obtained with a 7...

  5. All-optical bandwidth-tailorable radar

    CERN Document Server

    Zou, Weiwen; Long, Xin; Zhang, Siteng; Cui, Yuanjun; Chen, Jianping

    2015-01-01

    Radar has been widely used in military, security, and rescue. Metamaterial cloak is employed in stealth targets to evade radar detection. Hence modern radar should be reconfigurable at multi-bands for detecting stealth targets, which might be realized based on microwave photonics. Here, we demonstrate an all-optical bandwidth-tailorable radar architecture. It is a coherent system utilizing one mode-locked laser for both signal generation and reception. Heterodyning of two individually filtered optical pulses that are pre-chirped via wavelength-to-time mapping generates wideband linearly-chirped radar signal. The working bands can be flexibly tailored with desired bandwidth at user-preferred carrier frequency. After modulated onto the pre-chirped optical pulse, radar echoes are time-stretched and frequency-compressed by several times. The digitization becomes much easier without loss of detection ability. We believe that the demonstration can innovate the radar's architecture with ultra-high range resolution.

  6. Different approaches to tailoring chemical pulp fibres

    OpenAIRE

    El-Sharkawy, Khalil

    2008-01-01

    The objective of this thesis work was to examine different approaches to tailor chemical fibres of different raw materials. The focus in searching for new approaches was on pressure screen fractionation, selective treatment of each fraction, mechanical pre-treatment before refining, refiner loadability and its link to fibre properties and filling design, and on-line quality control of fibre properties. The evaluation is based on the impacts on fibre properties, filtration, refining and the re...

  7. A Tailor Made Concrete Solution for Tunneling

    OpenAIRE

    Río, Olga; Arciniegas, Carlos

    2010-01-01

    Thc develoment of tailor made materials by using a performance based approach are attracting research interest in different construction areas due to the advantages of having solutions that should perform according to the specified needs. If focus is put on concrete and on the fitness of Its functional requirements. the rational procedure would be to state the required main structural, durability and executíon indicators (PI) and subindicators (PSI). i.e. mechanical strength al different age ...

  8. A Propulsion System Tailored to Cubesat Applications

    OpenAIRE

    Platt, Donald

    2007-01-01

    Cubesats and other nano- and pico-satellite platforms have traditionally not had the capability of on-board propulsion. A complete propulsion system tailored to cubesat and other nano-picosat applications is presented in this paper. This system has been demonstrated and is ready for use in cubesat missions. A diaphragm positive expulsion tank or integral structure/bladder tank has been developed for propellant storage and feed to the thrusters. Propellant systems available include hydrogen pe...

  9. Tailoring the hardware to your control system

    International Nuclear Information System (INIS)

    In the very early days of computerized accelerator control systems the entire control system, from the operator interface to the front-end data acquisition hardware, was custom designed and built for that one machine. This was expensive, but the resulting product was a control system seamlessly integrated (mostly) with the machine it was to control. Later, the advent of standardized bus systems such as CAMAC, VME, and CANBUS, made it practical and attractive to purchase commercially available data acquisition and control hardware. This greatly simplified the design but required that the control system be tailored to accommodate the features and eccentricities of the available hardware. Today we have standardized control systems (Tango, EPICS, DOOCS) using commercial hardware on standardized busses. With the advent of FPGA technology and programmable automation controllers (PACs and PLCs) it now becomes possible to tailor commercial hardware to the needs of a standardized control system and the target machine. In this paper, we will discuss our experiences with tailoring a commercial industrial I/O system to meet the needs of the EPICS control system and the LANSCE accelerator. We took the National Instruments Compact RIO platform, embedded an EPICS IOC in its processor, and used its FPGA back-plane to create a 'standardized' industrial I/O system (analog in/out, binary in/out, counters, and stepper motors) that meets the specific needs of the LANSCE accelerator. (authors)

  10. Banking union and bank regulation: Banking sector stability in Europe

    OpenAIRE

    Bremus, Franziska M.; Lambert, Claudia

    2014-01-01

    Despite the most recent period of calm on the financial markets, the long-term resilience of the European financial system is not yet assured, even several years after the financial crisis began. However, the stability of the financial system playsa crucial role for real economic development and consequently for growth and prosperity. The financial crisis has shown that stricter regulation is required to improve the stability and resilience of the banking system. Further, it has become eviden...

  11. Translation and psychometric properties of the Chinese (Mandarin) version of the Child Oral Health Impact Profile-Short Form 19 (COHIP-SF 19) for school-age children

    OpenAIRE

    Li, Chenghao; Xia, Bin; Wang, Yu; Guan, Xuelin; Yuan, Junwei; Ge, Lihong

    2014-01-01

    Background Although caries and malocclusion occur with a high prevalence in Chinese school-age children, there were no appropriate instrument to assess the oral health-related quality of life (OHRQoL) for this population. The aim of our study was to develop a Chinese (Mandarin) version of the Child Oral Health Impact Profile-Short Form 19 (COHIP-SF 19) and provide a preliminary test of its psychometric properties. Methods The Chinese version of COHIP-SF 19 was developed through a standard tra...

  12. Psychometrics of the Short Form 36 Health Survey Version 2 (SF-36v2) and the Quality of Life Scale for Drug Addicts (QOL-DAv2.0) in Chinese Mainland Patients with Methadone Maintenance Treatment

    OpenAIRE

    Kaina Zhou; Guihua Zhuang; Hongmei Zhang; Peifeng Liang; Juan Yin; Lingling Kou; Mengmeng Hao; Lijuan You

    2013-01-01

    OBJECTIVE: To test psychometrics of the Short Form 36 Health Survey version 2 (SF-36v2) and the Quality of Life Scale for Drug Addicts (QOL-DAv2.0) in Chinese mainland patients with methadone maintenance treatment (MMT). METHODS: A total of 1,212 patients were recruited from two MMT clinics in Xi'an, China. Reliability was estimated with Cronbach's α and intra-class correlation (ICC). Convergent and discriminant validity was assessed using multitrait-multimethod correlation matrix. Sensitivit...

  13. Bank selection and customers’ perception of banks in Malaysia

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

    The process customers go through in choosing a bank has been studied for several decades using different approaches. Understanding the needs and analyzing how the customers select their banks are crucial steps towards the improvement of customer satisfaction. In this study, an attempt is made to identify the determinants of bank selection and customers’ perception of banks in Malaysia.

  14. Swiss Bank Accounts

    OpenAIRE

    Brown, Martin; Döbeli, Barbara; Sauré, Philip

    2011-01-01

    We examine the origin of deposits with Swiss banks on a country-by-country basis for the period 1987-2007. We relate the volume of Swiss bank deposits for 99 countries to the taxation of personal income as well as to political governance in these countries. Our results suggest that higher taxation in origin countries is not associated with a larger volume of deposits with Swiss banks. Our results do show however that countries with weak political governance, e.g. corruption, internal conflict...

  15. PENGELOLAAN LIKUIDITAS BANK SYARIAH

    OpenAIRE

    Nurul Ichsan

    2014-01-01

    Islamic Banking Liquidity Management.  this  article  is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt) on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Thr...

  16. PERCEIVED BARRIERS OF INNOVATIVE BANKING AMONG MALAYSIAN RETAIL BANKING CUSTOMERS

    Directory of Open Access Journals (Sweden)

    Jayaraman Munusamy

    2012-04-01

    Full Text Available This study aims to identify perceptual barriers of Internet banking adoption among Malaysian retail banking customers. The per ceptual barrier factors that analyzed were difficulty to operate, hassle to use, unreliable, perceived risk and high connection fees. This study employs a quantitative approach using questionnaire survey at selected banks in Malaysia. The results indicate that there are significant barriers exist in the perception of Internet banking adoption among Malaysian retail banking customers. The results indicate several implications for bank managers to change the perceptions of retail internet banking customers.

  17. Varying Impacts of Electronic Banking on the Banking Industry

    Directory of Open Access Journals (Sweden)

    Sali Bakare

    2015-08-01

    Full Text Available The banking industry has undergone tremendous changes with the introduction of information technology (IT. Electronic banking (EB is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans to conduct financial activities. This paper explores a few published articles that reported on the impacts of electronic banking on the banking industry. The articles vary in their findings. Impacts on the banking industry from the points of view of consumers and bank employees were reported. This paper examines the study of few other articles to propose that more research be conducted utilizing a different research methodology such as qualitative method to fully understand how EB impacts the banking industry and address cyber crime threats.

  18. Metamorphosis of Banking Products - A Perception of Bank Employees

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

    Full Text Available Banking products are undergoing major changes due to extensive use of it and changing demands of the customers in current scenario. This study basically focuses on the changes came into banking industry and its impact on customers base and bank profits. Data is collected from 50 employees of both private and public sector banks with the help of questionnaire. Hence we can conclude that all banks are providing almost similar products and services to satisfy their customers fully. The continous metamorphsis of banking products not only results in improvement of customer base but also has positive impact on the profits of the bank. Private sector banks are earning more profits as a result of metamorphosis of traditional banking products in comparison to public sector bank.

  19. Efficiency of Commercial Banks in Malaysia

    OpenAIRE

    Mohd. Azmi Omar; Abdul Rahim Abdul Rahman; Rosylin Mohd. Yusof; M. Shabri Abd. Majid; Mohd. Eskandar Shah Mohd. Rasid

    2006-01-01

    This study investigates the change in the productivity of banking industry during the period of 2000 to 2004. The data consists of a panel of 11 commercial banks in Malaysia namely Malayan Banking, Bumiputra-Commerce, Public Bank, RHB Bank, Hong Leong Berhad, EON Bank, Affin Bank, Southern Bank Berhad, Bank Islam Malaysia Berhad (BIMB), Ambank and Bank Muamalat. Productivity is measured by the Malmquist index, using a Data Envelopment Analysis (DEA) technique. The Malmquist productivity measu...

  20. The Bulgarian Banks' competitiveness: the case of Remote banking

    OpenAIRE

    Bojidar Bojinov

    2003-01-01

    The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the banks have started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking becomes one of the main channels for bank services distribution. This paper presents results from a research, which aims to describe actual picture of remote banking products and services offered by ...

  1. Statistical comparison of comparable banking products in selected banks

    OpenAIRE

    Elstnerová, Lucie

    2011-01-01

    The diploma thesis describes the current situation in the market of commercial banks in the Czech Republic, analyzes products offer in selected banks depending on the client preferences of individual commercial banks, and evaluates the influences and circumstances that determine the behavior of clients in relation to banks and financial products. Furthermore, it assesses the impact of demographic, social and economic factors on the usage of offered banking products. The thesis also includes a...

  2. The Corporate Governance of Banks

    OpenAIRE

    Hummel, Detlev

    2013-01-01

    1. Introduction 2. The role of banks and what is different in banks? 3. Corporate Governance and risk management 4. Risk taking and executive board composition 5. Compensation structures – how to improve models for banks? 6. Banking supervision and regulation 7. Reform of European institutions for financial stability

  3. Filter Bank Fusion Frames

    CERN Document Server

    Chebira, Amina; Mixon, Dustin G

    2010-01-01

    In this paper we characterize and construct novel oversampled filter banks implementing fusion frames. A fusion frame is a sequence of orthogonal projection operators whose sum can be inverted in a numerically stable way. When properly designed, fusion frames can provide redundant encodings of signals which are optimally robust against certain types of noise and erasures. However, up to this point, few implementable constructions of such frames were known; we show how to construct them using oversampled filter banks. In this work, we first provide polyphase domain characterizations of filter bank fusion frames. We then use these characterizations to construct filter bank fusion frame versions of discrete wavelet and Gabor transforms, emphasizing those specific finite impulse response filters whose frequency responses are well-behaved.

  4. Protein Data Bank (PDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  5. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

    In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future...... legitimacy claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization....

  6. Banking on technology.

    Science.gov (United States)

    Bolster, Carole J

    2007-04-01

    New technology is being used by banks to help providers improve their revenue cycle through: Digital lockbox service. Remote deposit. Web-based payment. Automated payment processing at the point of service. PMID:17427461

  7. Development, reliability and factor analysis of a self-administered questionnaire which originates from the World Health Organization's Composite International Diagnostic Interview – Short Form (CIDI-SF for assessing mental disorders

    Directory of Open Access Journals (Sweden)

    Morosini Pierluigi

    2008-04-01

    Full Text Available Abstract Background The Composite International Diagnostic Interview – Short Form consists of short form scales for evaluating psychiatric disorders. Also for this version training of the interviewer is required. Moreover, the confidentiality could be not adequately protected. This study focuses on the preliminary validation of a brief self-completed questionnaire which originates from the CIDI-SF. Sampling and Methods A preliminary version was assessed for content and face validity. An intermediate version was evaluated for test-retest reliability. The final version of the questionnaire was evaluated for factor exploratory analysis, and internal consistency. Results After the modifications by the focus groups, the questionnaire included 29 initial probe questions and 56 secondary questions. The test retest reliability weighted Kappas were acceptable to excellent for the vast majority of questions. Factor analysis revealed six factors explaining 53.6% of total variance. Cronbach's alpha was 0.89 for the questionnaire and 0.89, 0.67, 0.71, 0.71, 0.49, and 0.67, for the six factors respectively. Conclusion The questionnaire has satisfactory reliability, and internal consistency, and might be efficient for using in community research and clinical practice. In the future, the questionnaire could be further validated (i.e., concurrent validity, discriminant validity.

  8. Consumer protection in banking

    OpenAIRE

    Pohanková, Martina

    2013-01-01

    In real world, a market functioning is not perfect. Usually, there is one party in a contract that has weaker position than the other one. In a consumer contract it is a consumer who does not have sufficient information and knowledge. In developed countries, a consumer protection is therefore a part of law regulation. The thesis deals with the consumer protection in banking. It focuses on general topics as well as specific topics, such as banking accounts, electronic fund transfers and consum...

  9. Debt, Taxes, and Banks

    OpenAIRE

    Michael Keen; Ruud A. de Mooij

    2012-01-01

    Understanding the impact of the asymmetric tax treatment of debt and equity on the capital structures of financial institutions is critical to shaping and assessing responses to the problem of excessive leverage that underlay the 2009 financial crisis - but there is no empirical evidence to draw on. Guided by a simple model of banks? financing decisions in the presence of both regulatory constraints and tax asymmetries, this paper explores the impact of corporate tax bias on bank leverage, th...

  10. Central Bank independence

    OpenAIRE

    Vasile DEDU; Tiberiu STOICA

    2012-01-01

    In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR) has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disin...

  11. International Banking in Cyprus

    OpenAIRE

    Yiallouros, Kristie

    2009-01-01

    The purpose of this dissertation is to analyze the sector of the Cyprus economy that deals with the International Banking or Offshore Banking as otherwise is being called in Cyprus. During the last two decades the island of Cyprus has managed to establish itself as a reputable international financial centre. Therefore the literature review of this paper examines the research theme from two different aspects. First it examines the financial system of Cyprus as related to international ban...

  12. Securitization and Bank Stability

    OpenAIRE

    Di Cesare, Antonio

    2009-01-01

    This paper analyzes the effects of CDO issuance on the risk of default of banks. Previous literature showed that the overall riskiness of a bank can increase when it sells part of the loans in its portfolio by issuing a CDO of which it retains the equity tranche. Using Monte Carlo simulations, this paper confirms previous results but also highlights that they can change substantially if one modifies the hypothesis regarding how the proceeds of securitizations are reinvested. The assessment of...

  13. Norges Bank Watch 2003

    OpenAIRE

    Ekeli, Thomas; Haug, Anne Kari; Houg, Kjetil; Steigum, Erling, Jr

    2003-01-01

    The Centre for Monetary Economics (CME) at the BI Norwegian School of Management has for the fourth time invited a committee of economists to participate on Norges Bank Watch, with the objective of evaluating the monetary policy regime in Norway and Norges Bank’s conduct of monetary policy. This time the committee has focused on the conduct of policy rather than addressing institutional issues. The committee refers to Norges Bank Watch 2002 for a detailed assessment of the mone...

  14. Norges Bank Watch 2002

    OpenAIRE

    Svensson, Lars E.O.; Houg, Kjetil; Solheim, Haakon O. Aa.; Steigum, Erling, Jr

    2002-01-01

    The Centre for Monetary Economics (CME) at the Norwegian School of Management BI has for the third time invited a committee of economists for Norges Bank Watch, with the objective to evaluate the monetary-policy regime in Norway and Norges Bank’s conduct of monetary policy. The committee for Norges Bank Watch 2002 consists of Professor Lars E.O. Svensson (chair), Princeton University, Chief Economist Kjetil Houg, Alfred Berg, Doctorate Student Haakon O.Aa. Solheim, Norwegian ...

  15. Banking structure redesigned

    OpenAIRE

    VARMA, VIJAYA KRUSHNA

    2009-01-01

    Banking structure is redesigned to make India a fully digital nation and to usher in 100% E-governance. Multi dimensional and multipurpose savings account - It is the main keel of this restructured banking. Purpose of this multi dimensional account 1. This savings account can be used for receiving, storing and spending of money. 2. It can be used for buying, selling and holding property rights of immovable properties like lands, plots, flats and commercial establishments. 3...

  16. Bank collapse and depression

    OpenAIRE

    Bryant, John

    1980-01-01

    The recurrent banking panics of the 19th century and the Great Depression of the 1930s are widely viewed as failures of our economic system. A simple version of Samuelson’s overlapping generations model is used to generate such failures of Walrasian equilibrium. The spontaneous “panics” generated involve a collapse of bank credit, causing in turn a drop in investment demand. The model suggests that both the recent technological advances in the intermediation industry and the current move towa...

  17. Tailored antireflective biomimetic nanostructures for UV applications

    Energy Technology Data Exchange (ETDEWEB)

    Morhard, Christoph; Pacholski, Claudia; Spatz, Joachim P [Department of New Materials and Biosystems, Max Planck Institute for Metals Research, Heisenbergstrasse 3, D-70569 Stuttgart (Germany); Lehr, Dennis; Brunner, Robert; Helgert, Michael [Carl Zeiss Jena GmbH, Technology Center, Carl-Zeiss-Promenade 10, D-07745 Jena (Germany); Sundermann, Michael, E-mail: Pacholski@mf.mpg.de [Carl Zeiss Jena GmbH, Technology Center, Carl-Zeiss-Strasse 56, D-73447 Oberkochen (Germany)

    2010-10-22

    Antireflective surfaces composed of biomimetic sub-wavelength structures that employ the 'moth eye principle' for reflectance reduction are highly desirable in many optical applications such as solar cells, photodetectors and laser optics. We report an efficient approach for the fabrication of antireflective surfaces based on a two-step process consisting of gold nanoparticle mask generation by micellar block copolymer nanolithography and a multi-step reactive ion etching process. Depending on the RIE process parameters nanostructured surfaces with tailored antireflective properties can easily be fabricated that show optimum performance for specific applications.

  18. Fracture initiation using tailored-pulse loading

    Energy Technology Data Exchange (ETDEWEB)

    Kusubov, A.S.; Swift, R.P.

    1981-06-01

    Conditions to produce multiple fracturing of boreholes are examined for sandstone samples having a dry density of 2.42 Mg/m/sup 3/ and 8.9 percent porosity. Tailored-pulse loading experiments are performed with borehole pressures ranging from 10 to 100 MPa, loading rates from 10/sup -4/ to 10/sup 2/ MPa/ms and pulse durations from 10 to 50 ms. Samples are tested for initial states of dry, quasi-dry, and total saturation with confinement pressure varying from 0.1 to 50 MPa. Data show sensitivity of multiple fracture initiation on loading rate, water content, and confinement pressure.

  19. Development of a Short Form of WHOQOL-OLD%世界卫生组织生存质量老年人量表简化版的研制

    Institute of Scientific and Technical Information of China (English)

    林岳卿; 方积乾

    2011-01-01

    Objective: To develop a short form of questionnaire WHOQOL-OLD, and evaluate its reliability and validity.Methods: From a sample of 5566 old adults provided by the research team of WHOQOL-OLD, 2/3 of them were randomly selected and used as a training sample, and the remaining 1/3 as a validation sample.The methods of classical test theory and item response theory were used to select the better items in the training sample.And the validation sample was used to evaluate the reliability and validity of the short form scale.Results: 2 better items remained within each domain of the original WHOQOL-OLD scale, a short form WHOQOL-OLD-12 was formed.The average amount of t of the six domains of short form scale was reduced from 22.1% to 32.9% only; the Cronbach 'α of the short form was 0.8; and the correlation coefficients between the domains of WHOQOL-OLD-12 and WHOQOL-BREF ranged from 0.21 to 0.76, most of them were greater than 0.4, which showed better criterion validity.Conclusion: With acceptable reliability and validity,WHOQOL-OLD-12 is a refined instrument for the quality of life of older adults.%目的:研制WHOQOL-OLD量表的简化版,并考察该简表的信效度.方法:在WHOQOL-OLD国际合作组提供的5566名老年人样本资料中,随机抽取2/3作为训练样本,1/3为考核样本.用经典测量理论和项目反应理论的方法对训练样本进行条目筛选,并用考核样本评价简表的信度和效度.结果:每个领域保留2个较优的条目,形成了12个条目的简明量表WHOQOL-OLD-12.简表各领域的平均信息量仪减少了22.1%~32.9%;简表的克朗巴赫系数为0.80;各领域与WHOQOL-BREF各领域及总分的相关系数介于0.21~0.76之间,大部分大于0.40.结论:WHOQOL-OLD简明量表具有可接受的信度和效度,是老年人生存质量研究中简单易行的测量工具.

  20. The Empirics of Banking Regulation

    OpenAIRE

    Tchana Tchana, Fulbert

    2008-01-01

    This paper empirically assesses whether banking regulation is effective at preventing banking crises. We use a monthly index of banking system fragility, which captures almost every source of risk in the banking system, to estimate the effect of regulatory measures (entry restriction, reserve requirement, deposit insurance, and capital adequacy requirement) on banking stability in the context of a Markov-switching model. Our methodology is less prone to selection and simultaneity bias which a...

  1. New Issues in Bank Regulation

    OpenAIRE

    Mohsin S. Khan

    2002-01-01

    Deregulation, technology, and financial innovation are transforming banking. Indeed, banking is no longer the business it was even a few decades ago. The way banking services are provided has changed dramatically, and in many countries they are even offered by institutions that are quite different from traditional banks. As the old institutional demarcations become increasingly irrelevant, increased competition from other intermediaries has led to a decline in traditional banking in which ban...

  2. Risk Assessment for Banking Systems

    OpenAIRE

    Helmut Elsinger; Alfred Lehar; Martin Summer

    2002-01-01

    In this paper we suggest a new approach to risk assessment for banks. Rather than looking at them individually we try to undertake an analysis at the level of the banking system. Such a perspective is necessary because the complicated network of mutual credit obligations can make the actual risk exposure of banks invisible at the level of individual institutions. We apply our framework to a cross section of individual bank data as they are usually collected at the central bank. Using standard...

  3. Public Disclosure and Bank Failures

    OpenAIRE

    Eduardo Levy Yeyati; Tito Cordella

    1998-01-01

    This paper analyses the impact of public disclosure of banks’ risk exposure on banks’ risk taking incentives and its implications in terms of soundness of the banking system. We find that, when banks have a complete control over the volatility of their loan portfolio, public disclosure reduces the probability of banking crises. When asset risk is driven largely by exogenous factors beyond the control of bank managers, however, information disclosure may increase banking sector fragility, as t...

  4. Corporate governance and banking regulation

    OpenAIRE

    Alexander, Kern

    2004-01-01

    The globalisation of banking markets has raised important issues regarding corporate governance regulation for banking institutions. This research paper addresses some of the major issues of corporate governance as it relates to banking regulation. The traditional principal-agent framework will be used to analyse some of the major issues involving corporate governance and banking institutions. It begins by analysing the emerging international regime of bank corporate governance. This has been...

  5. INTERNAL AUDIT APPROACH IN BANKS

    OpenAIRE

    Victoria STANCIU

    2008-01-01

    Romanian banking system has known in the last years significant changes determined by the implementation of Basel II requirements and governance principles on one hand and assimilation of the EU Directives for the banking sector on the other hand. The function of internal audit is new in the Romanian banks, being implemented as a result of the new regulation established by the Romanian National Bank in the effort to aligne the Romanian banking legislation to the international regulations and ...

  6. Cost leadership and bank internationalization

    OpenAIRE

    Galema, Rients; Koetter, Michael; Liesegang, Caroline

    2013-01-01

    We adapt a theoretical model from the goods trade literature to test whether banks with a comparative cost advantage are more likely to enter foreign markets by means of foreign direct investment. We combine detailed proprietary bank-level data on the international activities of all German banks with publicly available bank micro data from possible destination markets to show that the decision to go abroad is driven by relative cost differences. Banks enter markets where they are cost leaders...

  7. The Banks and Sustainable Development

    OpenAIRE

    Madzova, Violeta

    2012-01-01

    This paper focuses on the role of the banks in supporting sustainable development. Its objective is to examine recent trends in banking and sustainable development, as well as to assess the implementation and application of the sustainable development policies adopted by the banks in the banking sector in Republic of Macedonia. For that purpose it is made a comprehensive analysis on the trends of “sustainable finance”, as well as research on the practices in the Macedonian banking sector in s...

  8. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

    Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

  9. The Ethical Stance in Banking

    OpenAIRE

    Villa, Jesus Simeon Villa

    2010-01-01

    Abstract Banks have a central role and importance in all commerce and hence in all societies. This thesis investigates the ethical basis of banking practice with the aim of developing an account of the virtues appropriate to bankers and banking. One central issue concerns a conflict between the interests of banks and their customers, and how this conflict plays out in relation to the lending policies and fee structure of banks. Such lending policies can have a significant effect on ban...

  10. Three myths about central banks

    OpenAIRE

    Geoffrey P. Miller

    2002-01-01

    Do central banks control the business cycle? Should price stability be their only monetary policy goal? Do politicians give up a degree of power and gain nothing personally when they grant central banks independence? This Commentary argues that none of these widely held notions is true. The Commentary is based on a speech presented to participants at the conference on the Origins and Evolution of Central Banking, sponsored by the Central Bank Institute of the Federal Reserve Bank of Cleveland...

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  12. A short form of the Maximization Scale

    Directory of Open Access Journals (Sweden)

    Gergana Y. Nenkov

    2008-06-01

    Full Text Available We conducted an analysis of the 13-item Maximization Scale (Schwartz et al., 2002 with the goal of establishing its factor structure, reliability and validity. We also investigated the psychometric properties of several proposed refined versions of the scale. Four sets of analyses are reported. The first analysis confirms the 3-part factor structure of the scale and assesses its reliability. The second analysis identifies those items that do not perform well on the basis of internal, external, and judgmental criteria, and develops three shorter versions of the scale. In the third analysis, the three refined versions of the scale are cross-validated to confirm dimensionality, reliability, and validity. The fourth analysis uses an experiment in an investment decision making context to assess the reliability and nomological validity of the refined scales. These analyses lead us to conclude that a shorter, 6-item Maximization Scale performs best and should be used by future researchers. It is hoped that clarification of the conceptual underpinnings of the maximization construct and development of a refined scale will enhance its use among researchers across several of the social science disciplines.

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

    Directory of Open Access Journals (Sweden)

    Thomas Mennecart

    2016-01-01

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

  14. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

    Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.

  15. INTERNAL AUDIT APPROACH IN BANKS

    Directory of Open Access Journals (Sweden)

    Victoria STANCIU

    2008-01-01

    Full Text Available Romanian banking system has known in the last years significant changes determined by the implementation of Basel II requirements and governance principles on one hand and assimilation of the EU Directives for the banking sector on the other hand. The function of internal audit is new in the Romanian banks, being implemented as a result of the new regulation established by the Romanian National Bank in the effort to aligne the Romanian banking legislation to the international regulations and practice in the field. In the dynamic banking environment the internal audit has to define and strengthen its statute and role. We can say that in the new context – regulatory environment for banking system and professional requirements – internal audit become one of the most influential and value added function in the bank. The present paper presents the role of internal audit in the Romanian banks and its major areas of interest.

  16. Development of tissue bank.

    Science.gov (United States)

    Narayan, R P

    2012-05-01

    The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole. PMID:23162240

  17. Materials information data bank

    International Nuclear Information System (INIS)

    A major concern in the design of weapons systems is compatibility of materials with each other and with the enclosed environment. Usually these systems require long-term storage and must have high reliability at the end of this storage period. Materials selection is thus based on past experience and on laboratory-accelerated testing to assure this long-term reliability. To assist in materials selection, a computerized materials data bank has been established. In addition to references on personnel and documents, this data bank provides annotated information on materials so that the designer and materials engineer can draw on it for guidance in selecting materials. The primary purpose of the data bank is to provide materials compatibility data. However, the structure of the system permits the data bank to be used for storage and retrieval of general materials information. The data bank storage and information retrieval philosophy is discussed and procedures for information gathering are outlined. Examples of data entries and a list of search routines are presented to demonstrate the usefulness and versatility of the system

  18. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

    Full Text Available The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole.

  19. MANAGING BANK SERVICES QUALITY

    Directory of Open Access Journals (Sweden)

    Marijana Mandić

    2011-01-01

    Full Text Available Quality has become the basicfactor of economic efficiency and the basicprinciple of business activities of successfulorganizations. Its consequence is revolution in thearea of quality that has comprised all kinds ofproducts and services including the bank servicesas well. To understand the present and future needsof clients and to know how to fulfill and try toexceed their expectations is the task of everyefficient economy. Therefore, the banks in thedeveloped economies try to re-orientateorganizationally, technologically andinformatically their business activities placing theclient in the core of this business activity.Significant indicators of quality services that banksoffer are measured by the time clients wait for theprovision of the desired service and the number ofclients who give up to enter the bank due to thelong waiting for provision of the desired serviceand the number of clients who give up to enter thebank due to the long waiting queues. Dissatisfiedclient is the worst result of the bank's work andactivity. The great effort is made to improve thequality of services, which means professionalismand communication of personnel with whom theclients come in contact, giving punctual and clearinformation and short waiting period of standing inthe queues. The aim of this paper is to present anddescribe the functioning of the bank system underthe conditions of establishing quality in provision ofservices to clients and to recognize basic guidelinesfor improvement of quality in the work of thebanking sector.

  20. Materials information data bank

    Energy Technology Data Exchange (ETDEWEB)

    Mead, K.E.

    1978-03-01

    A major concern in the design of weapons systems is compatibility of materials with each other and with the enclosed environment. Usually these systems require long-term storage and must have high reliability at the end of this storage period. Materials selection is thus based on past experience and on laboratory-accelerated testing to assure this long-term reliability. To assist in materials selection, a computerized materials data bank has been established. In addition to references on personnel and documents, this data bank provides annotated information on materials so that the designer and materials engineer can draw on it for guidance in selecting materials. The primary purpose of the data bank is to provide materials compatibility data. However, the structure of the system permits the data bank to be used for storage and retrieval of general materials information. The data bank storage and information retrieval philosophy is discussed and procedures for information gathering are outlined. Examples of data entries and a list of search routines are presented to demonstrate the usefulness and versatility of the system.

  1. Impact of Electronic Banking Innovations on Bank Deposit Market Share

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

    Full Text Available Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of this study is to evaluate this innovation, which needs a heavy cost in terms of money and time, on the share of each bank in attracting deposit as one of the most important goals and competitive tools of a bank. By using Panel Data Vector Autoregressive methods (Panel-VAR and Granger causality test, data of 23 Iranian banks in the 7 years (2007-2013 has been studied. The results show that based on the Granger Causality Test, the number of ATM machines, POS, PIN pad, SWIFT system and amount of banking facilities provided by each bank, has causal relation in explaining the increase of the bank’s share in attracting deposits; but the Market Share was recognized as the cause of the innovation. Also, the causality direction of deposits’ share and the amount of facilities were noticed to be bilateral.

  2. Component-based Groupware Tailorability using Monitoring Facilities

    OpenAIRE

    Guareis de Farias, C.R.; Diakov, N.K.

    2000-01-01

    Tailorability has long been recognised as a key issue concerning groupware applications in general and component-based groupware applications in particular. Tailoring activities are usually classified according to three levels, viz., customisation, integration and extension. This paper presents an approach to component-based tailoring based on the use of monitoring extensions. Our approach allows the extension and integration of new components into a legacy groupware application without the n...

  3. NEA Data Bank

    International Nuclear Information System (INIS)

    The coordination of nuclear data compilation within the OECD countries was initiated in 1964, with the creation of the Neutron Data Compilation Centre (CCDN) at Saclay close to Paris, France. This centre participated from the start in the 4-centre network. The NEA Data Bank was established at Saclay in 1978, by merging the CCDN and the Computer Program Library (CPL), Ispra, Italy. NEA Data Bank activities have evolved beyond nuclear data and computer programs, and now also include projects such as the coordination of the Joint Evaluated Fission and Fusion (JEFF) library of nuclear data, the compilation and critical review of chemical thermodynamic data for waste management applications, and the compilation of information relevant to computer code validation in the areas of: integral experiments, shielding, criticality safety, fuel behaviour, reactor physics and reactor safety. The Executive Group of the NEA Nuclear Science Committee manages the work programme of the NEA Data Bank.

  4. On Internet Banking

    Directory of Open Access Journals (Sweden)

    Jeffrey E Jarrett

    2015-08-01

    Full Text Available The purpose is to note the likelihood of continued growth of internet banking and commerce as individual consumers purchase more and more products to access the internet and complete both financial and consumer transactions. The growth is commercial and banking services on-line will grow as long as the hardware producers innovate with new faster and easy to use products. The pitfalls include attacks by savage interventionists who attempt to steal information and prevent end-users from employing the internet for purposes with good intentions. A challenge is made to software and hardware producers to use modern methods and techniques to predict where problems exist in internet banking and commerce. Serious solutions are necessary.

  5. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  6. Reasons for Non-Adoption of Internet Banking: A Study with Reference to Vellore District of Tamil Nadu, India

    Directory of Open Access Journals (Sweden)

    J Ramola Premalatha

    2014-03-01

    Full Text Available The fundamental commotion of twenty first century verve of ‘banking’ is transformed by the perception called Internet banking or online banking. Internet banking is accomplished by means of a personal computer or any itinerant piece of equipment presenting internet connection. All the banks in India offer Internet banking with a nexus of transactions in addition to an informational source. In spite of scores of incentives, there are certain issues affecting its practice. It is realized that there are a number of psychological and behavioral aspects persuading the acceptance of any new advancement such as Internet banking. It comprises of clientele understanding, availability, safety measures, user-friendliness, techno phobia or lack of enthusiasm to alter, penchant for tailored services and outlay of espousing the new advancements. This study is conducted to find out the barriers in utilizing the services offered by the banks through internet. The study also helps in understanding the opinion of the clientele on the banking through internet offered by their banks as well.This research paid an attention through exploratory method to recognize the issues acting as difficulties in the practice of the banking services offered through internet and rework the acuity of clientele on banking through technology. The sample clientele are the ones having account in private sector banks, without using internet banking services. A factor analysis test was conducted for the primary data to analyze. Though there are many advantages in using internet banking the barricades in practicing it by the clientele residing in the semi urban areas are cost, lack of infrastructure, traditional banking, unfriendly web site, not aware and reluctance to change.

  7. Nonlinear Bell Inequalities Tailored for Quantum Networks

    Science.gov (United States)

    Rosset, Denis; Branciard, Cyril; Barnea, Tomer Jack; Pütz, Gilles; Brunner, Nicolas; Gisin, Nicolas

    2016-01-01

    In a quantum network, distant observers sharing physical resources emitted by independent sources can establish strong correlations, which defy any classical explanation in terms of local variables. We discuss the characterization of nonlocal correlations in such a situation, when compared to those that can be generated in networks distributing independent local variables. We present an iterative procedure for constructing Bell inequalities tailored for networks: starting from a given network, and a corresponding Bell inequality, our technique provides new Bell inequalities for a more complex network, involving one additional source and one additional observer. We illustrate the relevance of our method on a variety of networks, demonstrating significant quantum violations, which could not have been detected using standard Bell inequalities.

  8. Tailored vacuum chambers for ac magnets

    International Nuclear Information System (INIS)

    The proposed LAMPF-II accelerator has a 60-Hz booster synchrotron and a 3-Hz main ring. To provide a vacuum enclosure inside the magnets with low eddy-current losses and minimal field distortion, yet capable of carrying rf image currents and providing beam stabilization, we propose an innovative combination pipe. Structurally, the enclosure is high-purity alumina ceramic, which is strong, radiation resistant, and has good vacuum properties. Applied to the chamber are thin, spaced, silver conductors using adapted thick-film technology. The conductor design can be tailored to the stabilization requirements, for example, longitudinal conductors for image currents, circumferential for transverse stabilization. The inside of the chamber has a thin, resistive coating to avoid charge build-up. The overall 60-Hz power loss is less than 100 W/m

  9. Tailored Patient Information Some Issues and Questions

    CERN Document Server

    Reiter, E R; Reiter, Ehud; Osman, Liesl

    1997-01-01

    Tailored patient information (TPI) systems are computer programs which produce personalised heath-information material for patients. TPI systems are of growing interest to the natural-language generation (NLG) community; many TPI systems have also been developed in the medical community, usually with mail-merge technology. No matter what technology is used, experience shows that it is not easy to field a TPI system, even if it is shown to be effective in clinical trials. In this paper we discuss some of the difficulties in fielding TPI systems. This is based on our experiences with 2 TPI systems, one for generating asthma-information booklets and one for generating smoking-cessation letters.

  10. Tailoring superradiance to design artificial quantum systems

    Science.gov (United States)

    Longo, Paolo; Keitel, Christoph H.; Evers, Jörg

    2016-03-01

    Cooperative phenomena arising due to the coupling of individual atoms via the radiation field are a cornerstone of modern quantum and optical physics. Recent experiments on x-ray quantum optics added a new twist to this line of research by exploiting superradiance in order to construct artificial quantum systems. However, so far, systematic approaches to deliberately design superradiance properties are lacking, impeding the desired implementation of more advanced quantum optical schemes. Here, we develop an analytical framework for the engineering of single-photon superradiance in extended media applicable across the entire electromagnetic spectrum, and show how it can be used to tailor the properties of an artificial quantum system. This “reverse engineering” of superradiance not only provides an avenue towards non-linear and quantum mechanical phenomena at x-ray energies, but also leads to a unified view on and a better understanding of superradiance across different physical systems.

  11. Betatron radiation from density tailored plasmas

    Energy Technology Data Exchange (ETDEWEB)

    Ta Phuoc, Kim; Esarey, E.; Leurent, V.; Cormier-Michel, E.; Geddes, C.G.R.; Schroeder, C.B.; Rousse, A.; Leemans, W.P.

    2009-04-11

    In laser wakefield accelerators, electron motion is driven by intense forces that depend on the plasma density. Transverse oscillations in the accelerated electron orbits produce betatron radiation. The electron motion and the resulting betatron radiation spectrum can therefore be controlled by shaping the plasma density along the orbit of the electrons. Here, a method based on the use of a plasma with a longitudinal density variation (density depression or step) is proposed to increase the transverse oscillation amplitude and the energy of the electrons accelerated in a wakefield cavity. For fixed laser parameters, by appropriately tailoring the plasma profile, the betatron radiation emitted by these electrons is significantly increased in both flux and energy.

  12. 12 CFR 552.2-7 - Conversion to National banking association or State bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Conversion to National banking association or State bank. 552.2-7 Section 552.2-7 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE... National banking association or State bank. A Federal stock association may convert to a National...

  13. Test bank to accompany Computers data and processing

    CERN Document Server

    Deitel, Harvey M

    1980-01-01

    Test Bank to Accompany Computers and Data Processing provides a variety of questions from which instructors can easily custom tailor exams appropriate for their particular courses. This book contains over 4000 short-answer questions that span the full range of topics for introductory computing course.This book is organized into five parts encompassing 19 chapters. This text provides a very large number of questions so that instructors can produce different exam testing essentially the same topics in succeeding semesters. Three types of questions are included in this book, including multiple ch

  14. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  15. Boards of Banks

    OpenAIRE

    Ferreira, Daniel

    2010-01-01

    An earlier version of this paper won the Best Paper Award of the Corporate Governance SIG at EURAM. Abstract We construct a comprehensive data set with detailed biographic data on 12,010 board directors working for 740 large banks from 41 countries over the period 2000-2008. The data allow us to create a novel and reliable measure of director independence. We report many new findings. Bank board independence increases rapidly and substantially in the pre-crisis period, peaking at abou...

  16. Crash Testing German Banks

    OpenAIRE

    Klaus Duellmann; Martin Erdelmeier

    2009-01-01

    In this paper we stress-test credit portfolios of twenty-eight German banks based on a Merton-type multifactor credit-risk model. The stress scenario is an economic downturn in the automobile sector. Although the percentage of loans in the automobile sector is relatively low for all banks in the sample, the expected loss conditional on the stress event increases substantially by 70–80 percent for the total portfolio. This result confirms the need to account for hidden sectoral concentration r...

  17. Some banking activities of the Islami Bank Bangladesh Ltd.

    Directory of Open Access Journals (Sweden)

    Dr. Abu Zafar Mahmudul Haq

    2013-02-01

    Full Text Available Banking sectors of Bangladesh are not going well in terms of investment. Among different banks in Bangladesh, Islami Bank Bangladesh Limited (IBBL is running good for the modes of investment. So this study is conducted of the investment modes of this bank. Study is based on secondary information of the IBBL and opinion survey among twenty clients which has been done through convenient sampling on a purposively selected branch. It concludes that trend of investment of the IBBL runs well.

  18. The Effect of Banks Merger on Electronic Banking Services Competency

    OpenAIRE

    Ahmad Z. Siam

    2009-01-01

    Problem statement: This study is conducted to present benefits and consequences of latest technology used in banking industries. In addition, it has focused on the dynamics of banking sector, electronic banking services and new courses especially with mergers that constitute most of these mechanisms. Approach: The study discussed this new activity and the extent of response level of services while the need, wants and demands of customers are met. Furthermore, how banks deal with such services...

  19. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    OpenAIRE

    Chian-Son Yu

    2014-01-01

    Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resou...

  20. Bank Risk Measurement: A Critical Evaluation at a European Bank

    OpenAIRE

    Gunnar Wahlström

    2013-01-01

    This article assesses bank management’s perspective on the use and effectiveness of the risk measurement system under Basel II that setcapital requirements for banks. These requirements encouraged the use of risk measurement. Semi-structured interviews with various bank managers at Viking Bank (a fictitious name) provide the empirical data for this research. These interviews were conducted after the global financial crisis that led, among other events, to the bankruptcy of Lehman Brothers. Vi...

  1. Some banking activities of the Islami Bank Bangladesh Ltd.

    OpenAIRE

    Dr. Abu Zafar Mahmudul Haq

    2013-01-01

    Banking sectors of Bangladesh are not going well in terms of investment. Among different banks in Bangladesh, Islami Bank Bangladesh Limited (IBBL) is running good for the modes of investment. So this study is conducted of the investment modes of this bank. Study is based on secondary information of the IBBL and opinion survey among twenty clients which has been done through convenient sampling on a purposively selected branch. It concludes that trend of investment of the IBBL runs well.

  2. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

  3. Evolution of central banking? De Nederlandsche Bank 1814-1852

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

    Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both

  4. Keeping Banking Competitive: Evaluating Proposed Bank Mergers and Acquisitions

    OpenAIRE

    Darwish, Nisreen

    2014-01-01

    All bank mergers and acquisitions (M&A) require the approval of regulators. This article describes the methods used by the Federal Reserve to evaluate whether a bank merger or acquisition is acceptable under federal antitrust laws and its Board of Governors’ bank competition policy.

  5. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

    Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope, began observations in Green Bank, West Virginia in 2000and is a wonder...

  6. MODELS OF BANKING RISKS MANAGEMENT

    OpenAIRE

    Bente Corneliu Cristian

    2009-01-01

    Banking risks management as a fundamental element of banking management aims at diminishing as much as possible the negative impact of risk factors, at minimizing losses by expenditures cut-off and maximizing direct and transferred influxes, changing the

  7. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ The spate of recent scandals in the banking sector again raises the question of whether corporate governance in banks has been improved to a degree whereby ESOP is a correct and timely consideration.

  8. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

    THE four large state-owned commercial banks - the Industrial and Commercial Bank of China, the Bank of China, the Construction Bank of China, and the Agricultural Bank of China, constitute the backbone of the Chinese banking system. Owing to low efficiency, lack of capital, and a high rate of bad debts over time, however, the system was weak and ineffective. In order to redress the situation, late last century the Chinese government launched reforms to streamline these four commercial banks and their operations. The banks subsequently set up asset management companies to buy back and resolve non-performing assets. Their operational structure was also upgraded and optimized so as to improve management efficiency and economic performance.

  9. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  10. Chinese Commercial Banks Risk Management Practices: A Research in China Banking Risk Management

    OpenAIRE

    Wang, Xiaoling

    2006-01-01

    This dissertation uses a qualitative research approach, and examines the importance and its current situation of banks risk management in China banking. The commercial banking analysis covers China state-own commercial banks and joint-stock commercial banks as well as local city commercial banks, but mainly analysis stems from state-owned and joint-stock commercial banks, excluding foreign banks in China. In addition, this dissertation reveals that China Center Bank and China Bank Regulatory ...

  11. E-banking Complexities and the Perpetual Effect on Customer Satisfaction in Rwandan Commercial Banking Industry: Gender as a Moderating Factor

    Directory of Open Access Journals (Sweden)

    Machogu AM

    2015-12-01

    Full Text Available The marvelous kinds of innovation in technology and hard line blend of it with information technology has made a paradigm shift in the banking industry. Transformation from traditional, bricks-and-mortar banking to E-banking has been momentous. The major innovation in technology have been a major force in the radical transformation that has led to the geographical, legal and industrial barriers and has led to the creation of new products and services more so in the banking industry. E-banking can be traced back to as early as 1970s. The main two reason as to why banks began replacing some of their traditional branch functions include:- Firstly, the setup and maintenance of branches was very expensive because of the overhead expenses associated with them, and Secondly, E-banking products/services created a completive advantage for the banks that utilized them. E-banking is a composite of various or technologies, such as telephone (both landline and cell phones, direct bill payment i.e. (Electronic Funds Transfer (EFT and PC or Internet banking and mobile banking. The five main basic services associated with ebanking include: view of account balances and transaction histories; paying bills; transferring funds between accounts; requesting credit card advances; and ordering checks. The objective of this study to evaluate the perceptual view of the male and female respondents on the e-banking complexities and how they affect the male and female customer’s satisfaction. The research evaluated the view of the respondents based on their demographic profile on the E-banking complexities and its effects on their satisfaction. This research was perceptual-tailored and relationship-oriented; identifying the underpinning e-banking complexities, and how they are influenced by the customer’s gender and its effect on customer satisfaction. The study used the descriptive and co relational research designs. The respondents sampled in this study were only

  12. Inconsistent Regulators: Evidence From Banking

    OpenAIRE

    Sumit Agarwal; David Lucca; Amit Seru; Francesco Trebbi

    2012-01-01

    US state chartered commercial banks are supervised alternately by state and federal regulators. Each regulator supervises a given bank for a fixed time period according to a predetermined rotation schedule. We use unique data to examine differences between federal and state regulators for these banks. Federal regulators are significantly less lenient, downgrading supervisory ratings about twice as frequently as state supervisors. Under federal regulators, banks report higher nonperforming loa...

  13. Auditing and bank capital regulation

    OpenAIRE

    Edward Simpson Prescott

    2004-01-01

    Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...

  14. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  15. Banking Crises and Financial Integration

    OpenAIRE

    Caballero, Julian

    2012-01-01

    This paper explores whether the level of financial integration of banks in a country increases the incidence of systemic banking crises. The paper uses a de facto proxy for financial integration based on network statistics of banks participating in the global market of interbank syndicated loans. Specifically, the network statistics degree and betweenness are used to proxy for the de facto integration of the average bank in a country. The paper fits a count data model in the cross-section for...

  16. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    The Agricultural Bank of China (ABC),the only non-listed bank among China’s"big four"state-owned commercial banks,is currently un- der the glare of the reform spotlight.This follows on the heals of Premier Wen Jiabao’s announcement during his government work report in March, that a shareholding system will be introduced in the bank and its role in serving agriculture,farmers and rural areas will remain unchanged.

  17. Bank panics in transition economies

    OpenAIRE

    Niinimäki, Juha-Pekka

    2002-01-01

    This paper discusses recent bank runs in seven transition economies (Russia, Bulgaria, Estonia, Hungary, Latvia, Lithuania and Romania), comparing them against the older US experience and theoretical research. Bank runs seem to usually be information based. For example, improvements in bank transparency such as new accounting rules can reveal a bank’s insolvency and trigger a run. However, bank runs, as seen a few years ago in East Asia, Bulgaria and Russia, may also be accompanied by runs on...

  18. Innovative Secure Mobile Banking Services

    OpenAIRE

    Mousa T AL-Akhras; Rizik Al-Sayyed; Marwah Alian; Doaa Qwasmi

    2011-01-01

    Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking) describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywh...

  19. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

    This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

  20. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

    This paper studies the problem of monitoring the monitor in a model of money and banking with aggregate uncertainty. It shows that when inside money is required as a means of bank loan repayment, a market of inside money is entailed at the repayment stage and generates information-revealing prices that perfectly discipline the bank. The incentive problem of a bank is costlessly overcome simply by involving inside money in repayment. Inside money distinguishes itself from outside money by its ...

  1. Career Concerns of Banking Analysts

    OpenAIRE

    Horton, Joanne; Serafeim, Georgios; Wu, Shan

    2015-01-01

    We study how career concerns influence banking analysts’ forecasts and how their forecasting behavior benefits both them and bank managers. We show that banking analysts issue early in the year relatively more optimistic and later in the year more pessimistic forecasts for banks that could be their future employers. This pattern is not observed when the same analysts forecast earnings of companies that are not likely to be their future employers. Moreover, we use the Global Settlement as an e...

  2. Internet Banking: Boon or Bane ?

    OpenAIRE

    Bala Shanmugam

    2004-01-01

    There is little doubt that the Internet has revolutionized the entire communication system. As much as banking involves communication in one way or the other, banks have joined the communication bandwagon. Having observed the astronomical growth rate and acknowledging the potential banks adapting and often adapting the Internet to suit their functions and roles. As in any new venture there are setbacks in terms of issue of security and associated costs. As a consequence banks are working towa...

  3. Credit risk in Egyptian banks

    OpenAIRE

    Abdou, Hussein

    2006-01-01

    This research aims to identify the currently used techniques in evaluating credit risk in Egypt’s banking sector, then to evaluate these techniques and to develop model(s) to evaluate credit risk in Egyptian banks. In a pilot study, the researcher conducted informal interviews with key personnel in three of the Egyptian banks, in order to evaluate credit risk policies. The pilot study showed that these banks do not use any of the statistical techniques in the evaluation pr...

  4. Traditional versus shadow banking

    OpenAIRE

    Bryan J. Noeth; Wolla, Scott A.

    2012-01-01

    Modern economies rely heavily on financial intermediaries to channel funds between borrowers and lenders. In the first edition of the Page One Economics Newsletter, the role of traditional banking is outlined and a parallel system—shadow banking—is explored.

  5. How Banks Create Money.

    Science.gov (United States)

    Beale, Lyndi

    This teaching module explains how the U.S. banking system uses excess reserves to create money in the form of new deposits for borrowers. The module is part of a computer-animated series of four-to-five-minute modules illustrating standard concepts in high school economics. Although the module is designed to accompany the video program, it may be…

  6. Shadow banking in China

    OpenAIRE

    Li, Jianjun; Hsu, Sara

    2012-01-01

    This is an English summary of a 300-page report produced by Jianjun Li, Sara Hsu and Guangning Tian, “The Annual Report of China Shadow Banking System,” Project Sponsored by the National Natural Science Foundation of China, Project Number 71173246,

  7. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  8. The Green Bank Telescope

    Science.gov (United States)

    Prestage, R. M.; Constantikes, K. T.; Hunter, T. R.; King, L. J.; Lacasse, R. J.; Lockman, F. J.; Norrod, R. D.

    2009-08-01

    The Robert C. Byrd Green Bank Telescope of the National Radio Astronomy Observatory is the world's premiere single-dish radio telescope operating at centimeter to long millimeter wavelengths. This paper describes the history, construction, and main technical features of the telescope.

  9. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  10. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  11. Norges Bank Watch 2009

    OpenAIRE

    BERGMAN, MICHAEL; Juel, Steinar; Steigum, Erling, Jr

    2009-01-01

    This report evaluates the conduct of monetary policy in Norway in 2008. We will not discuss the institutional framework for monetary policy. The report offers, however, an evaluation of the new price index, CPIXE, which Norges Bank adopted in 2008 for measuring underlying inflation.

  12. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  13. 77 FR 12584 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-01

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

  14. 77 FR 56209 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-12

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

  15. 78 FR 75349 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-11

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

  16. 78 FR 42522 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-16

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

  17. 76 FR 21367 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-15

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

  18. 78 FR 50056 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-16

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

  19. 77 FR 4560 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-30

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

  20. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

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

  1. 78 FR 41063 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-09

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

  2. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

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

  3. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

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

  4. 77 FR 14368 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-09

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

  5. 77 FR 69454 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-19

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

  6. 75 FR 66762 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-29

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

  7. 77 FR 40058 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-06

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

  8. 75 FR 1621 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-12

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

  9. 75 FR 63183 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-14

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

  10. 78 FR 65311 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-31

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

  11. 78 FR 70300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-25

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

  12. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

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

  13. 78 FR 37222 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-20

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

  14. 77 FR 42312 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-18

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

  15. 78 FR 22879 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-17

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

  16. 75 FR 70004 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-16

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

  17. 78 FR 59689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-09-27

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

  18. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

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

  19. 78 FR 2273 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-10

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

  20. 76 FR 28435 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-05-17

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

  1. 77 FR 29643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-18

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

  2. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

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

  3. 78 FR 23565 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-19

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

  4. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

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

  5. 77 FR 26280 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-03

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

  6. 75 FR 65484 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-25

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

  7. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

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

  8. 77 FR 67365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-09

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

  9. 76 FR 40365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-08

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

  10. 78 FR 78357 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-26

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

  11. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

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

  12. 78 FR 33093 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

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

  13. 78 FR 7430 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-02-01

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

  14. 78 FR 68073 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-13

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

  15. 75 FR 65631 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-26

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

  16. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

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

  17. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

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

  18. 77 FR 29347 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-17

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

  19. 75 FR 78705 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-16

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

  20. 76 FR 38178 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-29

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

  1. 76 FR 11781 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-03

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

  2. 76 FR 41259 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-13

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

  3. 78 FR 33092 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

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

  4. 78 FR 25273 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-30

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

  5. 77 FR 26759 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-07

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

  6. 78 FR 31549 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-24

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

  7. 77 FR 32637 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-01

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

  8. 77 FR 31855 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-30

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

  9. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

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

  10. 78 FR 67146 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-08

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

  11. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

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

  12. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  13. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic banking has developed new banking practices.

  14. Tailorable software architectures in the accelerator control system environment

    International Nuclear Information System (INIS)

    Tailoring is further evolution of an application after deployment in order to adapt it to requirements that were not accounted for in the original design. End-user tailorability has been extensively researched in applied computer science from HCl and software engineering perspectives. Tailorability allows coping with flexibility requirements, decreasing maintenance and development costs of software products. In general, dynamic or diverse software requirements constitute the need for implementing end-user tailorability in computer systems. In accelerator physics research the factor of dynamic requirements is especially important, due to frequent software and hardware modifications resulting in correspondingly high upgrade and maintenance costs. In this work we introduce the results of feasibility study on implementing end-user tailorability in the software for accelerator control system, considering the design and implementation of distributed monitoring application for 12 GeV KEK Proton Synchrotron as an example. The software prototypes used in this work are based on a generic tailoring platform (VEDICI), which allows decoupling of tailoring interfaces and runtime components. While representing a reusable application-independent framework, VEDICI can be potentially applied for tailoring of arbitrary compositional Web-based applications

  15. Building Tailorable Hypermedia Systems: The embedded-interpreter approach

    DEFF Research Database (Denmark)

    Grønbæk, Kaj; Malhotra, Jawahar

    1994-01-01

    This paper discusses an approach for developing dynamically tailorable hypermedia systems in an object-oriented environment. The approach is aimed at making applications developed in compiled languages like Beta and C++ tailorable at run-time. The approach is based on use of: 1) a hypermedia appl...

  16. Determinants of bank profitability: Evidence from the Greek banking sector

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

    Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.

  17. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Federal Register on January 10, 2013 (78 FR 2290). The subject firm supplies banking and financial... ``Project Manager for PNC Bank at Tata Consultancy Services'' in India. The request also states that...

  18. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  19. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

    Full Text Available The purpose of this research is to identify and examine the factors that contribute to bank switching intentions of e-banking customers and whether these intentions differ according to demographic characteristics (age, gender, education, marital status and income levels of customers. Regression results suggested that customer dissatisfaction, low service quality, high price, unfavorable bank reputation, limited product variety and involuntary switching factors were positively related to customers’ bank switching intentions in e-banking. On the other hand, promotion efforts were negatively related to customers’ switching intentions. In addition to this, bank switching intentions were revealed to be differing according to education levels. Bank switching intentions of well-educated customers were tend to be higher, while age, gender, marital status and income level didn’t make a difference on intentions. Based on the empirical results of current study, we will provide several theoretical and managerial implications in the area of service industry.

  20. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

    Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

  1. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Banking reform is crucial to China, as banks dominate the country's financial system. The banking sector is dominated by four state-owned commercial banks-the ICBC, the CCB, the BOC, and the Agricultural Bank of China (ABC). The listing of the Bank of Communications (BOCOM), China's fifth

  2. Comparative Study on the Banking Performances at BCR ERSTE BANK, BRD – GSG and Raiffeisen Bank

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

    Full Text Available This paper aims to make a comparison between the performances of three banks in the banking system in Romania, considered the most representative but also to achieve their classifications and identify correlations between a number of used indicators and indicators expressing banking performance.

  3. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  4. Toward Tailored All-Spin Molecular Devices.

    Science.gov (United States)

    Bazarnik, Maciej; Bugenhagen, Bernhard; Elsebach, Micha; Sierda, Emil; Frank, Annika; Prosenc, Marc H; Wiesendanger, Roland

    2016-01-13

    Molecular based spintronic devices offer great potential for future energy-efficient information technology as they combine ultimately small size, high-speed operation, and low-power consumption. Recent developments in combining atom-by-atom assembly with spin-sensitive imaging and characterization at the atomic level have led to a first prototype of an all-spin atomic-scale logic device, but the very low working temperature limits its application. Here, we show that a more stable spintronic device could be achieved using tailored Co-Salophene based molecular building blocks, combined with in situ electrospray deposition under ultrahigh vacuum conditions as well as control of the surface-confined molecular assembly at the nanometer scale. In particular, we describe the tools to build a molecular, strongly bonded device structure from paramagnetic molecular building blocks including spin-wires, gates, and tails. Such molecular device concepts offer the advantage of inherent parallel fabrication based on molecular self-assembly as well as an order of magnitude higher operation temperatures due to enhanced energy scales of covalent through-bond linkage of basic molecular units compared to substrate-mediated coupling schemes employing indirect exchange coupling between individual adsorbed magnetic atoms on surfaces. PMID:26704349

  5. Tailoring seasonal climate forecasts for hydropower operations

    Directory of Open Access Journals (Sweden)

    P. Block

    2011-04-01

    Full Text Available Integration of seasonal precipitation forecasts into water resources operations and planning is practically nonexistent, even in regions of scarcity. This is often attributable to water manager's tendency to act in a risk averse manner, preferring to avoid consequences of poor forecasts, at the expense of unrealized benefits. Convincing demonstrations of forecast value are therefore desirable to support assimilation into practice. A dynamically linked system, including forecast, rainfall-runoff, and hydropower models, is applied to the upper Blue Nile basin in Ethiopia to compare benefits and reliability generated by actual forecasts against a climatology-based approach, commonly practiced in most water resources systems. Processing one hundred decadal sequences demonstrates superior forecast-based benefits in 68 cases, a respectable advancement, however benefits in a few forecast-based sequences are noticeably low, likely to dissuade manager's adoption. A hydropower sensitivity test reveals a propensity toward poor-decision making when forecasts over-predict wet conditions. Tailoring the precipitation forecast to highlight critical dry forecasts minimizes this inclination, resulting in 97% of the sequences favoring the forecast-based approach. Considering managerial risk preferences for the system, even risk-averse actions, if coupled with forecasts, exhibit superior benefits and reliability compared with risk-taking tendencies conditioned on climatology.

  6. Engineering tailored nanoparticles with microbes: quo vadis?

    Science.gov (United States)

    Prasad, Ram; Pandey, Rishikesh; Barman, Ishan

    2016-03-01

    In the quest for less toxic and cleaner methods of nanomaterials production, recent developments in the biosynthesis of nanoparticles have underscored the important role of microorganisms. Their intrinsic ability to withstand variable extremes of temperature, pressure, and pH coupled with the minimal downstream processing requirements provide an attractive route for diverse applications. Yet, controlling the dispersity and facile tuning of the morphology of the nanoparticles of desired chemical compositions remains an ongoing challenge. In this Focus Review, we critically review the advances in nanoparticle synthesis using microbes, ranging from bacteria and fungi to viruses, and discuss new insights into the cellular mechanisms of such formation that may, in the near future, allow complete control over particle morphology and functionalization. In addition to serving as paradigms for cost-effective, biocompatible, and eco-friendly synthesis, microbes hold the promise for a unique template for synthesis of tailored nanoparticles targeted at therapeutic and diagnostic platform technologies. WIREs Nanomed Nanobiotechnol 2016, 8:316-330. doi: 10.1002/wnan.1363 For further resources related to this article, please visit the WIREs website. PMID:26271947

  7. Facile Preparation of Optically Tailored Hybrid Nanocomposite

    Directory of Open Access Journals (Sweden)

    Susana Fernández de Ávila

    2014-01-01

    Full Text Available Lead sulfide nanoparticles (PbS NPs have been synthesized directly in poly[2-methoxy-5-(3′,7′-dimethyloctyloxy-1,4-phenylenevinylene] (MDMO-PPV semiconducting polymer by a simple low temperature method. Hybrid solutions with different concentrations of PbS with respect to the polymer have been prepared and characterized first in solution and then as thin film nanocomposites deposited on quartz substrates by spin coating. Quenching of photoluminescence emission is observed both in solutions and thin films when the ratio of PbS NPs increases with respect to the polymer, suggesting the occurrence of Dexter energy transfer from the polymer to the PbS NPs. Optical absorption is markedly increased for hybrid solutions compared to pure polymer. In thin nanocomposite films an enhancement of absorbance is observed with increasing PbS NPs concentration, which is more pronounced below 400 nm. The reported results could lead to the development of a method for tailoring the optical response of devices based on PbS NP-polymer nanocomposite by controlling the PbS NP concentration inside the polymer matrix.

  8. 12 CFR 7.3000 - Bank hours and closings.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank hours and closings. 7.3000 Section 7.3000 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Operations § 7.3000 Bank hours and closings. (a) Bank hours. A national bank's board of...

  9. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

    Full Text Available This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  10. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  11. 12 CFR 7.2024 - Staggered terms for national bank directors and size of bank board.

    Science.gov (United States)

    2010-01-01

    ... size of bank board. 7.2024 Section 7.2024 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF... bank directors and size of bank board. (a) Staggered terms. Any national bank may adopt bylaws that... bylaws so amended. (b) Maximum term. Any national bank director may hold office for a term that does...

  12. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

    Full Text Available Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK, Non Performing Financing (NPF, Sertifikat Wadiah Bank Indonesia (SWBI, dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini menunjukkan bahwa DPK, NPF, dan Bonus SWBI berpengaruh secara simultan terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia sebesar 99,2% dan sisanya 0,8%  dipengaruhi oleh faktor lain yang tidak diungkap dalam penelitian ini. Secara parsial DPK berpengaruh positif dan signifikan terhadap penyaluran dana Bank Syariah Mega Indonesia sebesar 98,65%, sedangkan NPF dan Bonus SWBI tidak signifikan berpengaruh secara parsial terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia.This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  13. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

    Full Text Available This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their banks CSR programme? These were some of the issues addressed but due to the small sample size, the findings cannot be generalised. The study did not find any significant, positive nor negative relationship, between CSR and the bank customers; meaning the tests could not provide evidence that for instance CSR programmes should be targeted towards female customers or customers of a certain age or income bracket. More importantly 80% of the respondents did not consider CSR an issue that was important enough to affect their choice of banks. They will not switch banks purely based on a bank’s CSR programme. Understandably they were more interested in bank fees and interest rates. These issues directly affected their reason for choosing a particular bank. So the question of why banks, and presumably other businesses, still participate and spend a lot of money on CSR when their customers do not seem to place much value on it, still persists. The findings suggest that a much larger study on the topic is warranted. It will aid banks and other businesses decide on their role in corporate social responsibility. Whose needs are being satisfied by participating in CSR?

  14. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  15. Georges Bank conflict resolved

    Science.gov (United States)

    Robb, David W.

    1984-04-01

    The International Court of Justice has resolved the long-term conflict between the United States and Canada over claims to mineral and living resources lying along the countries' common Atlantic maritime border. On October 12, in a 4-1 decision, the World Court rejected the United States' claim to the entire Georges Bank area, a region of the Continental Shelf off Massachusetts and Nova Scotia that is a prime fishing ground and is believed to have good potential for oil and gas deposits as well. The disputed area is roughly the top third of the Georges Bank area. The court awarded each country approximately half of this disputed area. No appeals are allowed under this decision.

  16. Measuring Central Bank Communication:

    OpenAIRE

    David Lucca; Francesco Trebbi

    2008-01-01

    We present a new automated, objective and intuitive scoring method to measure the content of central bank communication about future policy rate moves. We apply the methodology to statements released by the Federal Open Market Commitee (FOMC) after monetary policy meetings. Using high-frequency financial data, we find that yields on short-term risk-free nominal rates respond both to changes in policy rates and the content of the statements, whereas, medium and long-term rates only respond to ...

  17. Filter Bank Fusion frames

    OpenAIRE

    Chebira, Amina; Fickus, Matthew; Mixon, Dustin G.

    2011-01-01

    In this paper we characterize and construct novel oversampled filter banks implementing fusion frames. A fusion frame is a sequence of orthogonal projection operators whose sum can be inverted in a numerically stable way. When properly designed, fusion frames can provide redundant encodings of signals which are optimally robust against certain types of noise and erasures. However, up to this point, few implementable constructions of such frames were known; we show how to construct them using ...

  18. THE BANK PAYMENT OBLIGATION

    Directory of Open Access Journals (Sweden)

    Nikita YUrevich DENISOV

    2015-02-01

    Full Text Available In clause the attention of essence and is paid to features ВРО, as tool of interbank calculations applied with recent times in sphere of international trade. The author, com-paring the bank payment obligation with the documen-tary letter of credit, allocates its advantages and brings to a focus to lacks on the basis of what does conclusions concerning a scope and economic expediency of the new tool.

  19. Norges Bank Watch 2005

    OpenAIRE

    Dørum, Øystein; Holden, Steinar; Isachsen, Arne Jon

    2005-01-01

    Monetary policy in Norway is quite successful. The series of cuts in the signalling rate starting in December 2002, and a low interest rate during 2004, seems the appropriate policy choice. The analyses on monetary policy done in the Bank document a highly competent staff. Communication with the market is good and steadily improving. Not surprisingly, there is still room for improvement in the conduct of monetary policy in Norway. Those areas should receive particular attention in a Report li...

  20. Norges Bank Watch 2011

    OpenAIRE

    Bjørnland, Hilde C.; Wilhelmsen, Bjørn Roger

    2011-01-01

    Each year the Centre for Monetary Economics (CME) at The Department of Economics, BI Norwegian School of Management appoints an independent group of experts to evaluate monetary policy in Norway. The Ministry of Finance partly funds the Norges Bank Watch reports, which contain useful information and analyses for the Ministry’s evaluation of monetary policy that is presented each year in a White Paper to Parliament.

  1. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also serve to generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of computational costs and scalability. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on...

  2. Bank Liabilities Channel

    OpenAIRE

    Quadrini, Vincenzo

    2014-01-01

    The financial intermediation sector is important not only for channeling resources from agents in excess of funds to agents in need of funds (lending channel). By issuing liabilities it also creates financial assets held by other sectors of the economy for insurance purpose. When the intermediation sector creates less liabilities or their value falls, agents are less willing to engage in activities that are individually risky but desirable in aggregate (bank liabilities channel). The paper st...

  3. Bank Liabilities Channel

    OpenAIRE

    Vincenzo Quadrini

    2015-01-01

    The financial intermediation sector is important not only for channeling resources from agents in excess of funds to agents in need of funds (lending channel). By issuing liabilities it also creates financial assets held by other sectors of the economy for insurance purpose. When the intermediation sector creates less liabilities or their value falls, agents are less willing to engage in activities that are individually risky but desirable in aggregate (bank liabilities channel). The paper st...

  4. Banking Software Applications Security

    OpenAIRE

    Ioan Alexandru Bubu

    2015-01-01

    Computer software products are among the most complex artifacts, if not the most complex artifacts mankind has created. Securing those artifacts against intelligent attackers who try to exploit flaws in software design and construct is a great challenge too.The purpose of this paper is to introduce a secure alternative to banking software applications that are currently in use. This new application aims to cover most of the well-known vulnerabilities that plague the majority of current softwa...

  5. Crowdfunding: disintermediated investment banking

    OpenAIRE

    Rubinton, Brian J

    2011-01-01

    This paper introduces crowdfunding as a concept and model for the evolution of investment banking. Crowdfunding, an application of crowdsourcing, is defined as one party’s attempt to finance a project by offering three types of investment opportunities to potential investors. The investment opportunities are donations, passive investments, and active investments. From this foundation I develop a model in which interdependent agents operate in a dynamic, discrete setting. Potential investors d...

  6. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of scalability and computational cost. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on a distribut...

  7. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

    Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  8. Application status quo of the Subjective Well-Being Under Neuroleptics Scale short form%抗精神病药物治疗中主观舒适度简表的应用现状

    Institute of Scientific and Technical Information of China (English)

    齐方; 李毅; 张瑞岭

    2015-01-01

    抗精神病药物治疗中主观舒适度简表可用来评价抗精神病药物的疗效、副作用,预测患者的依从性及预后。目前,该量表已被广泛应用于精神科临床研究,但国内的临床试验和调查相当有限,本文简要介绍了抗精神病药物治疗中主观舒适度量表,并综述了其在精神科临床中的应用现状。%Subjective Well‐being Under Neuroleptics Scale short form (SWN‐K) could be used to evaluate curative effects and adverse reactions of antipsychotics and predict patients’ compliance and prognosis .At present the SWN‐K is generally used in international psychiatric clinical research ,but internal clinical tri‐als and investigations are considerably limited ,this paper will briefly introduces the SWN‐K and summa‐rize its application in psychiatric clinic .

  9. Apoyo social en universitarios españoles de primer año: propiedades psicométricas del Social Support Questionnaire-Short Form y el Social Provisions Scale

    Directory of Open Access Journals (Sweden)

    Zeltia Martínez-López

    2014-01-01

    Full Text Available El apoyo social percibido es un constructo multifacético conceptualizado como la valoración cognitiva de que existe una relación de confianza con los otros, con los que se puede contar en caso de necesidad. El objetivo de este trabajo es examinar las propiedades psicométricas de las escalas de apoyo social percibido Social Support Questionnaire-Short Form (SSQ6 y Social Provisions Scale (SPS en una muestra de 855 universitarios, 575 mujeres y 280 hombres, matriculados en primer año de grado de 16 titulaciones de la Universidad de Santiago de Compostela (España. El SSQ6 mide las dimensiones de disponibilidad y satisfacción del apoyo percibido, mientras que el SPS evalúa sus funciones. Los análisis factoriales realizados confirman el modelo de dos dimensiones del SSQ6 y la estructura de seis factores del SPS. La consistencia interna de ambas escalas es satisfactoria, al igual que las evidencias de validez obtenidas de las correlaciones entre las dos escalas y sus respectivas subescalas. Los resultados revelan que las versiones españolas del SSQ6 y el SPS son medidas fiables y válidas para la evaluación del apoyo social percibido en población universitaria.

  10. Analisis Kinerja Keuangan Bank Sebelum dan Sesudah Diakuisisi oleh Investor Asing: Studi Empiris pada Bank Central Asia dan Bank Niaga

    OpenAIRE

    Yen Sun

    2011-01-01

    Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the ...

  11. Thin tailored composite wing for civil tiltrotor

    Science.gov (United States)

    Rais-Rohani, Masoud

    1994-01-01

    The tiltrotor aircraft is a flight vehicle which combines the efficient low speed (i.e., take-off, landing, and hover) characteristics of a helicopter with the efficient cruise speed of a turboprop airplane. A well-known example of such vehicle is the Bell-Boeing V-22 Osprey. The high cruise speed and range constraints placed on the civil tiltrotor require a relatively thin wing to increase the drag-divergence Mach number which translates into lower compressibility drag. It is required to reduce the wing maximum thickness-to-chord ratio t/c from 23% (i.e., V-22 wing) to 18%. While a reduction in wing thickness results in improved aerodynamic efficiency, it has an adverse effect on the wing structure and it tends to reduce structural stiffness. If ignored, the reduction in wing stiffness leads to susceptibility to aeroelastic and dynamic instabilities which may consequently cause a catastrophic failure. By taking advantage of the directional stiffness characteristics of composite materials the wing structure may be tailored to have the necessary stiffness, at a lower thickness, while keeping the weight low. The goal of this study is to design a wing structure for minimum weight subject to structural, dynamic and aeroelastic constraints. The structural constraints are in terms of strength and buckling allowables. The dynamic constraints are in terms of wing natural frequencies in vertical and horizontal bending and torsion. The aeroelastic constraints are in terms of frequency placement of the wing structure relative to those of the rotor system. The wing-rotor-pylon aeroelastic and dynamic interactions are limited in this design study by holding the cruise speed, rotor-pylon system, and wing geometric attributes fixed. To assure that the wing-rotor stability margins are maintained a more rigorous analysis based on a detailed model of the rotor system will need to ensue following the design study. The skin-stringer-rib type architecture is used for the wing

  12. Internet Banking and the question of Bank Run: lesson from the Northern Rock Bank case

    Directory of Open Access Journals (Sweden)

    Nathalie Janson

    2009-10-01

    Full Text Available The subprime crisis triggered a series of bankruptcies and bank runs at a level never experienced since the Great Depression. The banking environment radically changed since the 1930’s, in particular the development of infor mation technology decreases considerably the cost of information. Furthermore internet banking increases severely the speed at which the demand for withdrawals are addressed to troubled banks. In the past demand for withdrawals could be slow down by fact t hat depositors had to physically « queue » and by the existence of opening hours of banks branches. Given these new circumstances a liquidity shortage may have an even more severe consequence on a bank since the delay between the « bad news » and the bank run can shorten dramatically. Indeed the Northern Rock Bank case in Great Britain illustrates that situation where a bank unable to borrow from its peers in the interbank market is within few hours ran by its depositors. The aim of the paper is to analyze the consequences of the major instability introduced by internet banking on the bank’s ability to manage a liquidity crisis and an opportunity to discuss further the so - called “endemic instability” of the fractional reserve banking system

  13. Tailoring electronic structure of polyazomethines thin films

    Directory of Open Access Journals (Sweden)

    J. Weszka

    2010-09-01

    Full Text Available Purpose: The aim of this work is to show how electronic properties of polyazomethine thin films deposited by chemical vapor deposition method (CVD can be tailored by manipulating technological parameters of pristine films preparation as well as modifying them while the as-prepared films put into iodine atmosphere.Design/methodology/approach: The recent achievements in the field of designing and preparation methods to be used while preparing polymer photovoltaic solar cells or optoelectronic devices.Findings: The method used allow for pure pristine polymer thin films to be prtepared without any unintentional doping taking place during prepoaration methods. This is a method based on polycondensation process, where polymer chain developing is running directly due to chemical reaction between molecules of bifunctional monomers. The method applied to prepare thin films of polyazomethines takes advantage of monomer transporting by mreans of neutral transport agent as pure argon is.Research limitations/implications: The main disadvantage of alternately conjugated polymers seems to be quite low mobility of charge carrier that is expected to be a consequence of their backbone being built up of sp2 hybridized carbon and nitrogen atoms. Varying technological conditions towards increasing reagents mass transport to the substrate is expected to give such polyazomethine thin films organization that phenylene rin stacking can result in special π electron systems rather than linear ones as it is the case.Originality/value: Our results supply with original possibilities which can be useful in ooking for good polymer materials for optoelectronic and photovoltaic applications. These results have been gained on polyazomethine thin films but their being isoelectronic counterpart to widely used poly p-phenylene vinylene may be very convenient to develop high efficiency polymer solar cells

  14. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

    Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

  15. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

    Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.

  16. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  17. UMBILICAL CORD BLOOD BANKS. ETHICAL ASPECTS. PUBLIC VERSUS PRIVATE BANKS

    Directory of Open Access Journals (Sweden)

    Justo Aznar Lucea

    2012-01-01

    Full Text Available The creation of umbilical cord blood (UCB banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a whether there are advantages to the use of UCB compared to bone marrow, b whether or not it is ethical to create UCB banks, c whether their creation is ethically acceptable in terms of their clinical usefulness or d the use made of them for therapeutic purposes, and finally e whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

  18. Bank Debt Regulations Implications for Bank Capital and Bond Risk

    OpenAIRE

    Stig Helberg; Snorre Lindset

    2013-01-01

    We use a structural model of default risk to study how optimal bank capital and bond risk are influenced by deposit insurance, implicit guarantees, depositor preference, asset encumbrance, and bail-in resolution frameworks. We find that these features of bank financing, in addition to having an immediate impact on bond debt risk, also change optimal bank capital, countering the first-order effect on bond debt risk. Bondholders' risk is thereby not materially affected, but shareholder value an...

  19. Should Banks Be Diversified? Evidence from Individual Bank Loan Portfolios

    OpenAIRE

    Acharya, Viral V; Iftekhar Hasan; Anthony Saunders

    2006-01-01

    We study empirically the effect of focus (specialization) vs. diversification on the return and the risk of banks using data from 105 Italian banks over the period 1993-1999. Specifically, we analyze the tradeoffs between (loan portfolio) focus and diversification using a unique data set that is able to identify individual bank loan exposures to different industries, to different sectors, and to different geographical regions. Our results are consistent with a theory that predicts a deteriora...

  20. Performance of Tunisian Banks Following Transformations of Banking Activities

    OpenAIRE

    Bassem Salhi; Younes Boujelbene

    2012-01-01

    This article aims to study the impact of new forms of banking intermediation on the performance of Tunisianbanks. The analysis was conducted on a sample of 10 Tunisian banks for a period of analysis that spans 13 years,from 1997 until 2009. To make better use of our database, we have utilized the panel data technique.Our empirical validation shows that the context of bank intermediation is still traditional, despite the reforms offinancial liberalization; they still carry the traditional busi...

  1. Banking Governance and Risk: The Case of Tunisian Conventional Banks

    OpenAIRE

    Rachdi Houssem; Trabelsi Mohamed Ali; Trad Naama

    2013-01-01

    Banks are in the business of taking risks. The 3 pillars of Basel II capital accord highlight the crucial role of informative risk disclosures in enhancing market discipline. The specific role and responsibilities of the board of directors or supervisory boards in banking institutions continue, however, to fuel debate. Findings of the literature are often inconclusive. The main contribution of this study is examining how board characteristics affect risk in banking industry. We explore this r...

  2. An IDS Assessment of Electronic Banking Performance in Retail Banking

    OpenAIRE

    David-West, Olayinka

    2012-01-01

    The adoption of electronic self-service systems (SSTs), using informationtechnology (IT) devices and channels, for the provision of banking services(also known as electronic banking or e-banking) has evolved in the last decadein emerging markets. In Nigeria, for instance, this development is driving themovement towards a cashless economy. These services, however, are fraughtwith problems ranging from incidents of fraud, empty automated teller machines(ATMs), the inability of the ATMs to dispe...

  3. Ownership Concentration and Bank Performance: Evidence from MENA Banks

    OpenAIRE

    Rim Boussaada; Majdi Karmani

    2015-01-01

    This paper analyzes the impact of ownership concentration on MENA banks’ performance over the period 2004-2011. The sample includes 38 commercial banks belonging to ten countries of the MENA region. We use an econometric method that deals with the endogeneity problems that have arisen in the corporate governance literature. We show that ownership concentration is significant in explaining performance differences between MENA banks. Our analysis shows that bank performance depends on the ident...

  4. Banking and the Macroeconomy in China: A Banking Crisis Deferred?

    OpenAIRE

    Le, Vo Phuong Mai; Matthews, Kent; Meenagh, David; Minford, Patrick; Xiao, Zhiguo

    2013-01-01

    The downturn in the world economy following the global banking crisis has left the Chinese economy relatively unscathed. This paper develops a model of the Chinese economy using a DSGE framework with a banking sector to shed light on this episode. It differs from other applications in the use of indirect inference procedure to test the fitted model. The model finds that the main shocks hitting China in the crisis were international and that domestic banking shocks were unimportant. However, d...

  5. Banks and sovereign risk: A granular view

    OpenAIRE

    Buch, Claudia M.; Koetter, Michael; Ohls, Jana

    2013-01-01

    In this paper, we use detailed data on the sovereign debt holdings of all German banks to analyse the determinants of sovereign debt exposures and the implications of sovereign exposures for bank risk. Our main findings are as follows. First, sovereign bond holdings are heterogeneous across banks. Larger, weakly capitalised banks and banks with a small depositor base hold more sovereign bonds. Around 31% of all German banks hold no sovereign bonds at all. Second, the sensitivity of banks to m...

  6. Bank ties and firm performance in Japan

    OpenAIRE

    McGuire, Patrick

    2015-01-01

    Since the mid-1990s, major Japanese banks have sold off a significant portion of their holdings of corporate equity. Using information on the identity of Japanese firms' top 10 shareholders, this paper explores the process of banks' equity disposal. There is some evidence that, after FY2001, banks' sales of equity accelerated, even holdings in firms for which the bank served as the main bank. However, affiliation with a main bank - proxied by firm-bank loan and shareholding ties - continues t...

  7. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, join...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  8. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

    Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA), but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA), Standard Bank, Nedcor and First National Bank (FNB) influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996...

  9. E-Banking: Risk Management Practices of the Estonian Banks

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

    During the last years the development of e-banking in Estonia has been very significant. According to the report of the World Economic Forum, the Estonian IT-development has been substantial. The success of e-banking in Estonia can be compared to the corresponding success of the Nordic countries. According to the Deutsche Bank Research, around 70-80% of the Internet users in Estonia use Internet banking and in this respect, Estonia could be compared to Finland, Norway and Iceland. Despite of ...

  10. BankCaR (Bank Capital-at-Risk): A credit risk model for US commercial bank charge-offs

    OpenAIRE

    Frye, Jon; Pelz, Eduard

    2008-01-01

    BankCaR is a credit risk model that forecasts the distribution of a commercial bank's charge-offs. The distribution depends only on systematic factors; BankCaR takes each bank and projects its expected charge-off across a distribution of good years and bad years. Since most bank failures occur in bad years, this analysis has promise for both banks and bank supervisors. In BankCaR, charge-offs depend on the bank's loan balances and the charge-off rates of twelve categories of lending. A joint ...

  11. 78 FR 62333 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-17

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

  12. 76 FR 16776 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-25

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors... Apple Valley, Minnesota; to acquire voting shares of Bridgewater Bancshares, Inc., and...

  13. 77 FR 17478 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-26

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors..., Minneapolis, Minnesota 55480-0291: 1. Sharon Bauman, Apple Valley, Minnesota; Virginia Bauman,...

  14. Comparing tailored and untailored text messages for smoking cessation

    DEFF Research Database (Denmark)

    Skov-Ettrup, Lise; Ringgaard, L W; Dalum, Peter;

    2014-01-01

    The aim was to compare the effectiveness of untailored text messages for smoking cessation to tailored text messages delivered at a higher frequency. From February 2007 to August 2009, 2030 users of an internet-based smoking cessation program with optional text message support aged 15-25 years were...... consecutively randomized to versions of the program that offered either tailored or untailored text messages. Thirty-day point abstinence from smoking was measured self-reportedly at 12-months follow-up. Response rates were 36.3% and 38.1% in the tailored and untailored group, respectively. We analyzed the...... entire study population, as well as those opting for text messages (n = 1619). In intention-to-treat analysis with multiple imputation of missing data, the odds ratio for 30-day point abstinence was 1.28 (95% CI 0.91-2.08) for the tailored compared with untailored messages. When restricting the analysis...

  15. Past, present, and future of computer-tailored nutrition education

    NARCIS (Netherlands)

    J. Brug (Hans); A. Oenema (Anke); M.K. Campbell (Marci)

    2003-01-01

    textabstractComputer-tailored nutrition education is an innovative and promising tool to motivate people to make healthy dietary changes. It provides respondents with individualized feedback about their dietary behaviors, motivations, attitudes, norms, and skills and mimics the pro

  16. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently, they...... share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  17. MANAGING OPERATIONAL RISK IN BANKS

    Directory of Open Access Journals (Sweden)

    Victoria STANCIU

    2010-01-01

    Full Text Available Recent years have emphasized focus on risk management, and it became clear that there is an urgent need for a robust framework to effectively manage risk. The financial and economic crisis showed the importance of a strong risk management process and forced banks to take a critical look at how they manage risks. Romanian banking system has known significant changes determined by the implementation of Basel II requirements. These requirements determined an important effort of the banks to improve their risk management process.Operational risk is considered a significant risk and has an important impact on banks activity and results. Now, there is a clear effort of the banks for applying more advanced methods on operational risk so that their control and management to be improved. The present paper presents the specificity of the operational risk management and the author’s solution for the operational risk management in banks.

  18. Tailored Materials for High Efficiency CIDI Engines

    Energy Technology Data Exchange (ETDEWEB)

    Grant, G.J.; Jana, S.

    2012-03-30

    The overall goal of the project, Tailored Materials for High Efficiency Compression Ignition Direct Injection (CIDI) Engines, is to enable the implementation of new combustion strategies, such as homogeneous charge compression ignition (HCCI), that have the potential to significantly increase the energy efficiency of current diesel engines and decrease fuel consumption and environmental emissions. These strategies, however, are increasing the demands on conventional engine materials, either from increases in peak cylinder pressure (PCP) or from increases in the temperature of operation. The specific objective of this project is to investigate the application of a new material processing technology, friction stir processing (FSP), to improve the thermal and mechanical properties of engine components. The concept is to modify the surfaces of conventional, low-cost engine materials. The project focused primarily on FSP in aluminum materials that are compositional analogs to the typical piston and head alloys seen in small- to mid-sized CIDI engines. Investigations have been primarily of two types over the duration of this project: (1) FSP of a cast hypoeutectic Al-Si-Mg (A356/357) alloy with no introduction of any new components, and (2) FSP of Al-Cu-Ni alloys (Alloy 339) by physically stirring-in various quantities of carbon nanotubes/nanofibers or carbon fibers. Experimental work to date on aluminum systems has shown significant increases in fatigue lifetime and stress-level performance in aluminum-silicon alloys using friction processing alone, but work to demonstrate the addition of carbon nanotubes and fibers into aluminum substrates has shown mixed results due primarily to the difficulty in achieving porosity-free, homogeneous distributions of the particulate. A limited effort to understand the effects of FSP on steel materials was also undertaken during the course of this project. Processed regions were created in high-strength, low-alloyed steels up to 0.5 in

  19. Semiconductor quantum optics with tailored photonic nanostructures

    International Nuclear Information System (INIS)

    the understanding of coupling phenomena between excitons in self-assembled quantum dots and optical modes of tailored photonic nanostructures realized on the basis of two-dimensional photonic crystals. While we highlight the potential for advanced applications in the direction of quantum optics and quantum computation, we also identify some of the challenges which will need to be overcome on the way. (orig.)

  20. Semiconductor quantum optics with tailored photonic nanostructures

    Energy Technology Data Exchange (ETDEWEB)

    Laucht, Arne

    2011-06-15

    single photon emission into the waveguide. The results obtained during the course of this thesis contribute significantly to the understanding of coupling phenomena between excitons in self-assembled quantum dots and optical modes of tailored photonic nanostructures realized on the basis of two-dimensional photonic crystals. While we highlight the potential for advanced applications in the direction of quantum optics and quantum computation, we also identify some of the challenges which will need to be overcome on the way. (orig.)