Bekker, RM; Schaminee, JHJ; Bakker, JP; Thompson, K
With the recent appearances of a new and well-documented classification of the Dutch plant communities (Schaminee et al 1995a,b; 1996) and a database on the seed longevity of plant species of North West Europe (Thompson ct al. 1997a) it was possible to investigate patterns of seed longevity in Dutch
Neter, J.E.; Dijkstra, S.C.; Visser, M.; Brouwer, I.A.
Objective: To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. Setting: 11 of 135 Dutch food banks were selected throughout the Netherlands.
Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A
Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare this with dietary intake of a representative sample of the general population (Dutch National Food Consumption Survey (DNFCS-all): n = 1933), including a low-socioeconomic status (SES) sample (DNFCS-low SES: n = 312), using data from the DNFCS 2007-2010. In this cross-sectional study, 12 food banks throughout The Netherlands participated. Food bank recipients' characteristics were assessed with a self-administered questionnaire. Dietary intake data were collected through three 24-h recalls. Habitual dietary intake (mean, percentiles, and 95% CI) was estimated for all samples. Differences between samples were determined by comparing the 95% CIs. Mean age of the study population (62.9% female) was 48.6 years (SD:10.1). Mean energy intake was 1986 (95% CI 1830-2089) kcal. The majority of the Dutch food bank recipients had lower intakes than dietary reference intakes for dietary fiber, fruit, vegetables, and fish (range 86.6-99.3%), and a higher intake for saturated fat [88.1% (95% CI 84.1-98.9)]. Furthermore, mean intakes of energy, fiber, fruit, and vegetables were significantly lower in Dutch food bank recipients than in the DNFCS-all and the DNFCS-low-SES [e.g., daily mean fruit intake (g) food bank recipients 62.8 (95% CI 45.5-76.5), DNFCS-all 105.8 (95% CI 105.4-117.9), and DNFCS-low-SES 85.1 (95% CI 78.7-100.2)]. Fish intake was significantly lower compared with the DNFCS-all, but not compared with the DNFCS-low-SES. Dutch food bank recipients, who largely rely on the content of food parcels, are not able to meet the nutritional guidelines for a healthy diet, and their dietary intake is poorer than the general as well as the low-SES sample of the Dutch adult population
The most recent climate change predictions for the Caribbean region (2013/2014) by the Intergovernmental Panel on Climate Change (IPCC) are alarming and suggest that the islands of the Dutch Caribbean will go through profound environmental changes within the next century.
ter Wengel, J.; Visser, H.
The purpose of this paper is to examine the relationship between the foreign loan activity of multinational banks and their foreign representation. The investigation of this relationship is important because it shows that the activities of multinational banks cannot be described by an all-encompassing definition such as international banking. The maturity structure of foreign bank loans was employed to disentangle two distinct areas of multinational bank activity and show that the two areas p...
Hoeksema, Bert W.; Hassell, Dahlia; Meesters, Erik H.W.G.; Duyl, van Fleur C.
During a recent reef coral survey at the submarine Saba Bank (Eastern Caribbean), an uncommon and diverse assemblage of unattached scleractinian corals (coralliths) was encountered, which has not been reported from the Atlantic before. Four different types of these free-living (unattached) corals
Full Text Available This paper examines the issues of change management in merger and acquisitions (M&As using the mixed method research approach. The research setting consisted of a foreign bank that operates in Serbia. The main aim of this study is to examine willingness for change in bank M&A. The qualitative data about the bank were sourced from publicly available information about the bank. The standardized questionnaire is used to assess bank's willingness for change. Based on managers structure, the representative sample of middle managers has been interviewed in this study. The research findings revealed possible practical implementation of the questionnaire in the Serbian banking sector. The results revealed that changes in bank should be led top down. The findings add to the existing literature on success factors in cross-border mergers and acquisitions. The study limitation are suggested.
Boschma, Ron; Hartog, Matté
This article investigates the extent to which merger and acquisition (M&A) activity contributed to the spatial clustering of the Dutch banking industry in Amsterdam. This analysis is based on a unique database of all banks in the Netherlands that existed in the period 1850-1993. We found that
Martijn A H Oude Voshaar
Full Text Available OBJECTIVE: To calibrate the Dutch-Flemish version of the PROMIS physical function (PF item bank in patients with rheumatoid arthritis (RA and to evaluate cross-cultural measurement equivalence with US general population and RA data. METHODS: Data were collected from RA patients enrolled in the Dutch DREAM registry. An incomplete longitudinal anchored design was used where patients completed all 121 items of the item bank over the course of three waves of data collection. Item responses were fit to a generalized partial credit model adapted for longitudinal data and the item parameters were examined for differential item functioning (DIF across country, age, and sex. RESULTS: In total, 690 patients participated in the study at time point 1 (T2, N = 489; T3, N = 311. The item bank could be successfully fitted to a generalized partial credit model, with the number of misfitting items falling within acceptable limits. Seven items demonstrated DIF for sex, while 5 items showed DIF for age in the Dutch RA sample. Twenty-five (20% items were flagged for cross-cultural DIF compared to the US general population. However, the impact of observed DIF on total physical function estimates was negligible. DISCUSSION: The results of this study showed that the PROMIS PF item bank adequately fit a unidimensional IRT model which provides support for applications that require invariant estimates of physical function, such as computer adaptive testing and targeted short forms. More studies are needed to further investigate the cross-cultural applicability of the US-based PROMIS calibration and standardized metric.
... 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... the Lisa K. Hale Irrevocable Trust for Joseph Joshua Hodos, all of Mission Hills, Kansas; the Karen...
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in Cheyenne...
... 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... 23261-4528: 1. U.S. Immigration Investment Center, LLC, Washington, DC, and its managing director...
... 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... L. Lowe, Danville, California; and Christopher A. Masto, San Francisco, California; as the managing...
de Haan, L.; Hinloopen, J.
We estimate the incremental financing decision for a sample of some 150 Dutch companies for the years 1984 through 1997, thereby distinguishing internal finance and three types of external finance: bank borrowing, bond issues, and share issues. First, we estimate a multinomial logit model, which
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... retain control of National Banking Corp., North Little Rock, Arkansas, and thereby indirectly retain...
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants... Carla Alger, all of Homestead, Florida; to acquire voting shares of Hometown of Homestead Banking...
In 1987 Chris Smeenk wrote in this journal about the libraries of the Dutch art historical institutes. In the 22 years that have since passed many changes have occurred, perhaps most notably the merging of the many autonomous institute libraries into larger ones. Has this led to a more professional
In recent years Dutch real estate developers have been subject to some societal market trends that force them to change roles (Heurkens, 2013). The decreased demand for office space, limited debt funding, challenging user demands, stalling public investments, and increased competition from new
Full Text Available After 1989, the Polish banking system underwent a number of changes relating to, among other things, liberalization, globalization and deregulation. These changes contributed to the formation of a two-tier system characteristic of a market economy. In this system, the central bank is the bank of banks as well as the state bank. It maintains financial stability and thus controls the activities of commercial banks. Following the political transformation, commercial banks became self-governing for-profit institutions. Ever since 1989, this sector has been characterized by a number of changes related to the process of consolidation. Foreign capital, the need for alignment with EU requirements, technological and legal change have led to weaker banks being taken over by stronger ones.
Swinkels, I.; Leemrijse, C.; Veenhof, C.; Bakker, D. de
Background: Physiotherapy plays an important role in Dutch primary care. In 2005, 17% of the Dutch people contacted a physiotherapist. To deal with rising health care expenditures, Dutch government has decided to change public insurance coverage for physiotherapy. Until 2004, people with public
Terwee, C B; Roorda, L D; de Vet, H C W; Dekker, J; Westhovens, R; van Leeuwen, J; Cella, D; Correia, H; Arnold, B; Perez, B; Boers, M
The Patient-Reported Outcomes Measurement Information System (PROMIS(®)) is a new, state-of-the-art assessment system for measuring patient-reported health and well-being of adults and children that has the potential to be more valid, reliable and responsive than existing PROMs. The PROMIS items can be administered in short forms or, more efficiently, through computerized adaptive testing. This paper describes the translation of 563 items from 17 PROMIS item banks (domains) for adults from the English source into Dutch-Flemish. The translation was performed by FACITtrans using standardized methodology and approved by the PROMIS Statistical Center. The translation included four forward translations, two back-translations, three to five independent reviews (at least two Dutch, one Flemish) and pre-testing in 70 adults (age range 20-77) from the Netherlands and Flanders. A small number of items required separate translations for Dutch and Flemish: physical function (five items), pain behaviour (two items), pain interference (one item), social isolation (one item) and global health (one item). Challenges faced in the translation process included: scarcity or overabundance of possible translations, unclear item descriptions, constructs broader/smaller in the target language, difficulties in rank ordering items, differences in unit of measurement, irrelevant items or differences in performance of activities. By addressing these challenges, acceptable translations were obtained for all items. The methodology used and experience gained in this study can be used as an example for researchers in other countries interested in translating PROMIS. The Dutch-Flemish PROMIS items are linguistically equivalent. Short forms will soon be available for use and entire item banks are ready for cross-cultural validation in the Netherlands and Flanders.
From the regulatory authorities led by the Central Bank of Nigeria (CBN), to each of the 25 banks that emerged, the successful conclusion of the first phase of banking reforms demonstrates a level of change management capacity deemed vital in successful corporate transformation. However, to successfully position ...
Adizes Ichak Kalderon
Full Text Available Changes have always existed but their speed and frequency have become rather apparent. Changes are present in all areas of life, but here we focus on those happening in the banking industry. Banks are undergoing revolutionary changes and they must change or perish in their present form. The article explains why banks must change and what are the threats to both asset and liability sides they would face otherwise. Changes result in modifications of strategies, organizations and management. The article concludes that banks that are the most flexible and able to adapt will win the day.
This paper is primarily based on a case study of a leading bank in Pakistan, that is, MCB Bank Ltd. Four established change models have been applied to the bank to find out how a change comes in/ is brought in, managed, and how it affects organizational environment and its stakeholders, particularly customers and employees. The four established change models applied are the change management approach by Ansoff and McDonnell; the change management model by Kurt Lewin; the 7S framework by Thoma...
Berlemann, Michael; Oestmann, Marco; Thum, Marcel
Most European economies will experience significant demographic changes in the decades ahead. Due to low birth rates, populations are shrinking and ageing at the same time. This paper explores the impact of demographic change on the banking industry. A unique data set, which contains detailed information on almost 2.5 million accounts in 11 German savings banks, allows us estimating the socio-demographic determinants of retail profitability. Using a simulation model, we are able to predict th...
Rikhardsson, Pall; Rohde, Carsten; Christensen, Leif
The financial crisis of 2008 hit banks in Iceland and Denmark with different intensity. There was a difference in how management controls changed in response to the crisis. Icelandic banks redefined cultural controls, introducing new values as a “clean break” with the banks’ pre-2008 practices. T...
Full Text Available This paper is primarily based on a case study of a leading bank in Pakistan, that is, MCB Bank Ltd. Four established change models have been applied to the bank to find out how a change comes in/ is brought in, managed, and how it affects organizational environment and its stakeholders, particularly customers and employees. The four established change models applied are the change management approach by Ansoff and McDonnell; the change management model by Kurt Lewin; the 7S framework by Thoman J. Peters and Robert H. Waterman; and the change management model developed by Stephanie Elam. The study covers a change management aspect such as strategic intervention technique; a need for change management; resource implication; planning change; strategies in change management; system effectiveness; managing resistance to change; leadership issues; cultural issues; people issues; external environment issues; workable approach to overcome change resistance; appropriate model and implementing the model.
... Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies... collectively acquire voting shares of BNCCORP, Inc., Bismarck, North Dakota, and thereby indirectly acquire voting shares of BNC National Bank, Glendale, Arizona. Comments on this application must be received by...
Full Text Available IntroductionClimate change can no longer be ignored. It is globally recognised that the evidence for climate change is unequivocal and that action needs to be taken in order to address its negative effects.These effects, such as warmer and drier summers and more extreme rainfall, may threaten the quality of life of those living in urban environments. To limit these threats, a number of climate change adaptation measures can be taken to pre-empt the negative effects of climate change.The challenge of increasing the implementation of climate change adaptation measures is addressed in this thesis by engaging the construction sector while focusing on the housing stock that is owned and maintained by Dutch housing associations. By implementing climate change adaptation measures, dwellings will become more resilient to some of the effects of climate change, becoming less vulnerable for damage and ensuring the comfort, safety and quality of life of their occupants. Because housing associations are regarded as societal entrepreneurs, these are expected to use resources and commercial profits to achieve societal aims that are in the common interest, such as making timely adaptations, so that changing climatic conditions cannot threaten the quality of their dwellings. Moreover, there are relatively few housing associations compared to the number of houses they own and maintain. In 2012, there were 381 housing associations that owned and maintained a stock of 2.4 million dwellings, representing 32% of the total Dutch housing stock. This means that approaching the Dutch social rented sector was seen as an effective way of generating a greater societal impact.In the past decade, external influences such as the recent economic crisis and political pressure, have led housing associations to become more cost effective and to make changes in their organisational strategies, which has resulted in the adoption of more integrated project delivery methods, such as
Full Text Available Introduction Climate change can no longer be ignored. It is globally recognised that the evidence for climate change is unequivocal and that action needs to be taken in order to address its negative effects. These effects, such as warmer and drier summers and more extreme rainfall, may threaten the quality of life of those living in urban environments. To limit these threats, a number of climate change adaptation measures can be taken to pre-empt the negative effects of climate change. The challenge of increasing the implementation of climate change adaptation measures is addressed in this thesis by engaging the construction sector while focusing on the housing stock that is owned and maintained by Dutch housing associations. By implementing climate change adaptation measures, dwellings will become more resilient to some of the effects of climate change, becoming less vulnerable for damage and ensuring the comfort, safety and quality of life of their occupants. Because housing associations are regarded as societal entrepreneurs, these are expected to use resources and commercial profits to achieve societal aims that are in the common interest, such as making timely adaptations, so that changing climatic conditions cannot threaten the quality of their dwellings. Moreover, there are relatively few housing associations compared to the number of houses they own and maintain. In 2012, there were 381 housing associations that owned and maintained a stock of 2.4 million dwellings, representing 32% of the total Dutch housing stock. This means that approaching the Dutch social rented sector was seen as an effective way of generating a greater societal impact. In the past decade, external influences such as the recent economic crisis and political pressure, have led housing associations to become more cost effective and to make changes in their organisational strategies, which has resulted in the adoption of more integrated project delivery methods, such
van Melik, R.G.
Public spaces in Dutch city centres are increasingly subject to facelifts. The car parking that dominated city squares until the 1980s has been removed and replaced by modern street furniture, city stages, and an abundance of sidewalk caf鳮 At the same time, public spaces are more controlled by
Jerkovic, K.; van Offenbeek, M.A.; Slot, D.E.; van der Schans, C.P.
Objective: This study’s purpose was to compare the scope of practice of Dutch dental hygienists educated through a two- or three-year curriculum (‘old curriculum dental hygienists’ [OCDHs]) with that of hygienists educated through a new extended four-year curriculum leading to a bachelor’s degree
Jerkovic, K.; van Offenbeek, M. A. G.; Slot, D. E.; van der Schans, C. P.
Objective: This study's purpose was to compare the scope of practice of Dutch dental hygienists educated through a two- or three-year curriculum ('old curriculum dental hygienists' [OCDHs]) with that of hygienists educated through a new extended four-year curriculum leading to a bachelor's degree
Velders, G. J. M.; Solomon, S.; Daniel, J. S.
Chlorofluorocarbons (CFCs) are the primary cause of ozone depletion, and they also contribute to global climate change. With the global phaseout of CFCs and the coming phaseout of hydrochlorofluorocarbons (HCFCs), the substitute hydrofluorocarbons (HFCs) are increasingly used. While CFCs were originally used mainly in applications such as spray cans and were released within a year after production, concern about the ozone layer led to reductions in rapid-release applications, and the relative importance of slower-release applications grew. HFCs are now mainly used in refrigerators and air conditioners (AC) and are released over years to a decade after production. Their containment in such equipment represents banks, which are building up as production grows. A key finding of our work is that the increases of HFC banks represent a substantial unseen commitment to further radiative forcing of climate change also after production of the chemicals ceases. We show that earlier phaseouts of HFCs would provide greater benefits for climate protection than previously recognized, due to the avoided buildup of the banks. If, for example, HFC production were to be phased out in 2020 instead of 2050, not only could about 91-146 GtCO2-eq of cumulative emission be avoided from 2020 to 2050, but an additional bank of about 39-64 GtCO2-eq could also be avoided in 2050. Choices of later phaseout dates lead to larger commitments to climate change unless growing banks of HFCs from millions of dispersed locations are collected and destroyed.
This paper examines the upsurge and widespread application of automated teller machines (ATMs) in some top-ranking banks in Nigeria. It symbolizes the wind of change blowing across the the financial services sector (FSS) and allied strategic institutions, with characteristic acceptability, accessibility, and ...
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Reports of change in control of bank management... change in control of bank management incident to a merger. (a) A State member bank has inquired whether Pub. L. 88-593 (78 Stat. 940) requires reports of change in control of bank management in situations...
Verkaik, E.; Moraal, L.G.; Nabuurs, G.J.
The aim of this study was to assess, spatially explicit, the potential impact of climate change on Dutch forests. To deal with the uncertainty of climate change, the effects of four climate scenarios were studied. The following aspects of climate change were taken into account: decreased water
Ruger, Jennifer Prah
The World Bank began operations on June 25, 1946. Although it was established to finance European reconstruction after World War II, the bank today is a considerable force in the health, nutrition, and population (HNP) sector in developing countries. Indeed, it has evolved from having virtually no presence in global health to being the world's largest financial contributor to health-related projects, now committing more than $1 billion annually for new HNP projects. It is also one of the world's largest supporters in the fight against HIV/AIDS, with commitments of more than $1.6 billion over the past several years. I have mapped this transformation in the World Bank's role in global health, illustrating shifts in the bank's mission and financial orientation, as well as the broader changes in development theory and practice. Through a deepened understanding of the complexities of development, the World Bank now regards investments in HNP programs as fundamental to its role in the global economy.
Sprenger, C; Lorenzen, G; Hülshoff, I; Grützmacher, G; Ronghang, M; Pekdeger, A
Bank filtration (BF) is a well established and proven natural water treatment technology, where surface water is infiltrated to an aquifer through river or lake banks. Improvement of water quality is achieved by a series of chemical, biological and physical processes during subsurface passage. This paper aims at identifying climate sensitive factors affecting bank filtration performance and assesses their relevance based on hypothetical 'drought' and 'flood' climate scenarios. The climate sensitive factors influencing water quantity and quality also have influence on substance removal parameters such as redox conditions and travel time. Droughts are found to promote anaerobic conditions during bank filtration passage, while flood events can drastically shorten travel time and cause breakthrough of pathogens, metals, suspended solids, DOC and organic micropollutants. The study revealed that only BF systems comprising an oxic to anoxic redox sequence ensure maximum removal efficiency. The storage capacity of the banks and availability of two source waters renders BF for drinking water supply less vulnerable than surface water or groundwater abstraction alone. Overall, BF is vulnerable to climate change although anthropogenic impacts are at least as important. Copyright © 2010 Elsevier B.V. All rights reserved.
ter Bogt, H.J.; Haldma, T.
The last fifteen years have seen a succession of changes in the management control of organizations in the Dutch local government sector, i.e. municipalities and provinces. These changes relate to, for example, organizational structures, financial management and human resources management, and also
Circumstances in Dutch dairy farming are changing continuously. The general objective in this thesis was to develop and apply a method to enlighten the consequences of these changing circumstances for dairy farms. The research was started with the development of a linear programming model
... Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101 Market Street... Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago...
... of Adrian State Bank, both of Adrian, Minnesota. B. Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101 Market Street, San Francisco, California 94105...
.... Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101... Bank of Richmond (Adam M. Drimer, Assistant Vice President) 701 East Byrd Street, Richmond, Virginia...
... Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and ] Enforcement) 101 Market... Bank of Kansas City (Dennis Denney, Assistant Vice President) 1 Memorial Drive, Kansas City, Missouri...
... Bank of Kansas City (Dennis Denney, Assistant Vice President) 1 Memorial Drive, Kansas City, Missouri... shares of Millennium Bank, both in Edwards, Colorado. B. Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101 Market Street, San Francisco, California 94105...
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies.... Immigration Investment Center, LLC, and its sole member, USIIC, LP, both of Washington, DC, and its managing...
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies; Correction This notice corrects a notice (FR Doc. 2013-14635) published on.... Collectively, the new control group controls 100 percent of the voting shares of Overton Financial Services...
Weidenaar, Taede; Hoekstra, S.; Wolters, Mannes
The Dutch gas distribution grid faces several changes in the near future. Among others, the share of green gas will grow, the interaction with the electricity distribution grid and local heat grids will increase, and the grid will transform from a mono-gas system to a multi-gas system. The gas
van den Berg, Maya Marieke; Otto-Zimmermann, Konrad
This contribution presents case studies of nine Dutch municipalities. Interview-based data show that the drivers of local climate adaptation in these cases are determined more by local contextual factors than by past experience with flooding or an expected increase of climate change risk. The
Berentsen, P.B.M.; Giesen, G.W.J.; Renkema, J.A.
A linear programming model of a dairy farm was used to explore the future for different types of Dutch dairy farms under different scenarios. The scenarios are consistent sets of changing factors that are considered external at farm level. The factors included are technical, such as efficiency of
Faneca Sànchez, Marta; Gunnink, Jan; Van Baaren, Esther S.; Oude Essink, Gualbert; Siemon, Bernhard; Auken, Esben A.; Elderhorst, Wilbert; De Louw, Perry G.B.
The forecast of climate change effects on the groundwater system in coastal areas is of key importance for policy makers. The Dutch water system has been deeply studied because of its complex system of low-lying areas, dunes, land won to the sea and dikes, but nowadays large efforts are still being
Hofman, Peter; Marquart, N.E.
This report is part of a project funded by the Dutch National Research Programme on Global Air Pollution and Climate Change (NRP) called MATRIC: Management of Technology Responses to the Climate Challenge. Central to the Matric project is the question "How to modulate the ongoing dynamics of
S. Verweij (Stefan); I.F. van Meerkerk (Ingmar); I.A. Korthagen (Iris)
markdownabstract__Abstract__ An important contributor to cost overruns of infrastructure projects is contract changes after the construction contract has been concluded. Using mainly descriptive statistics and non-parametric tests, real project data were analyzed from forty-five Dutch
Müthing, F.; Entrop, Alexis Gerardus; Brouwers, Jos; Durmisevic, Elma
In modern Dutch dwellings, about 10% of the annual use of primary energy is used for cooling, whereas about 50% of the primary energy is used for heating. With the technology of Phase Change Materials (PCMs) energy savings can be made in both areas. PCMs are materials with a high latent heat
Hofman, Peter; Marquart, N.E.
This report is part of a project funded by the Dutch National Research Programme on Global Air Pollution and Climate Change (NRP) called MATRIC: Management of Technology Responses to the Climate Challenge. Central to the Matric project is the question "How to modulate the ongoing dynamics of sociotechnical change to the climate change needs?" In the project this question is answered through empirical research in three so-called technological domains: transport and mobility; electricity genera...
... Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101 Market... of Atlanta (Clifford Stanford, Vice President) 1000 Peachtree Street, NE., Atlanta, Georgia 30309: 1...
... Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101 Market Street, San Francisco... Bank of Kansas City (Dennis Denney, Assistant Vice President) 1 Memorial Drive, Kansas City, Missouri...
Barros, Carlos Pestana; Managi, Shunsuke; Matousek, Roman
In this paper, the productivity of Baltic banks over 2000-2006 is analysed with a Malmquist index and the input technological bias is investigated. Baltic banks on average became more efficient and experienced technological improvment. Our results indicate that the traditional growth accounting method, which assumes Hicks neutral technological change, is not appropriate for analyzing changes in productivity for Baltic banks.
... HUMAN SERVICES Health Resources and Services Administration National Practitioner Data Bank; Name Change... Administration, HHS. ACTION: Notice. SUMMARY: On March 7, 2007, the Health Resources and Services Administration... Data Banks, Bureau of Health Professions, Health Resources and Services Administration, Parklawn...
The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.
Full Text Available The purpose of the present article is to analyze the concept of change in banking organizational cultures from the point of view of employees in positions of leadership and the relationship that exists between change and the environment in which banking institutions carry out their activities in Romania Starting off from the theoretical research and practices with regards to changes that occur in organizations, our intention has been to offer an overview image of the way in which change is accepted and the way in which banking organizations adapt to change. In this sense 150 subjects were questioned and a database was set up which was accessible electronically. Afterwards a processing specific to the respective questionnaires was conducted, as well as a graphic representation of the recorded data. The conclusions of the study that has analyzed the given responses confirm that an organization is able to easily adapt to change and, in so far as the stability of the activity environment is concerned, perceptions differ. Manages from banking organizations with a primarily local, Dutch and Greek capital consider, with an overwhelming majority of 80%, that the environment in which they carry out their activities is stable, while only 35% of bank managers with a primarily French and Italian capitol share this perception
... may express their views in writing to the Reserve Bank indicated for that notice or to the offices of..., Minnesota; to each acquire voting shares of First Advantage Bancshares, Inc., and thereby indirectly acquire voting shares of First Advantage Bank, both in Coon Rapids, Minnesota. Board of Governors of the Federal...
.... Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen L. Grobel, Tabb, Virginia; to individually acquire voting shares... First Community Bank, Glasgow, Montana. In addition, Stephen L. Grobel and Peter J. Grobel, Helena...
... Reserve Bank of Richmond (Adam M. Drimer, Assistant Vice President) 701 East Byrd Street, Richmond, Virginia 23261-4528: 1. Kenneth Ray Lehman, Arlington Virginia; to acquire voting shares of Delmar Bancorp.... B. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle...
... Bank, both in Piqua, Kansas. C. Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President... Cleveland (Nadine Wallman, Vice President) 1455 East Sixth Street, Cleveland, Ohio 44101-2566: 1. Harris... Vice President) 1 Memorial Drive, Kansas City, Missouri 64198-0001: 1. Donna M. Curry, Trustee of the...
..., Lincoln, Illinois. C. Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications... Bank of New York (Ivan Hurwitz, Vice President) 33 Liberty Street, New York, New York 10045-0001: 1..., Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. Voting Trust and David...
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM... Homestead, Florida; to acquire voting shares of Hometown of Homestead Banking Company, and thereby.... William Hall Losner, Homestead, Florida; to acquire voting shares of Hometown of Homestead Banking Company...
Full Text Available Recent observations and modelling studies suggest that biogeochemical changes can mask atmospheric CO2-induced pH decreases. Data collected by the Dutch monitoring authorities in different coastal systems (North Sea, Wadden Sea, Ems-Dollard, Eastern Scheldt and Scheldt estuary since 1975 provide an excellent opportunity to test whether this is the case in the Dutch coastal zone. The time-series were analysed using Multi-Resolution Analysis (MRA which resulted in the identification of system-dependent patterns on both seasonal and intra-annual time scales. The observed rates of pH change greatly exceed those expected from enhanced CO2 uptake, thus suggesting that other biogeochemical processes, possibly related to changes in nutrient loading, can play a dominant role in ocean acidification.
Roders, M.J.; Straub, A.
Housing managers are constantly confronted with the changing demands that their building stock has to comply with. One of the change agents is the changing climate, caused primarily by human induced greenhouse gases. Though, even if the emissions of all these gases could now be put to a hold, the
Vrolijk, H.C.J.; Poppe, K.J.
Structural change has been a constant factor in agriculture, the Netherlands included. For decades the number of farms has decreased and the size of farms has increased. Agricultural statistics help to analyse and understand structural change, but at the same time structural change affects and to
Full Text Available After the year 1990, bashfully at first, but then more and more prominently, the countries of Central andEastern Europe have become major loan recipients from foreign banks, either cross-border, or local through opensubsidiaries in the emerging European countries. The Romanian banking system continues to be among the mostdynamic economic areas in Romania. Further on characterized by a relatively low level of financial intermediation,the Romanian banking market is considered to have potential for the possible buyers, especially in the crisis periodwhen many small banks looked for a merger with another small or medium bank for consolidation reasons. Althoughthe Romanian banking system faced crisis pretty well comparative with the rest of the world countries, if we considerits equity, its profits kept on decreasing every year and the rate of the non-performing loans increased.
Bertay, A.C.; Huizinga, Harry
This paper documents trends in key bank variables over the 2003-2013 period for the set of banks that the ECB directly supervises as of January 30, 2015. This time period enables us to see how the crisis has affected the banks, and also how they have changed since the crisis. A range of variables is
... Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen Wellington, Jr., Saint Paul, Minnesota; to acquire voting shares of Plato...
... Bank of Richmond (Adam M. Drimer, Assistant Vice President) 701 East Byrd Street, Richmond, Virginia 23261-4528: 1. Kenneth Ray Lehman, Arlington, Virginia, to acquire voting securities of First Capital...
... not later than October 27, 2011. A. Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101 Market Street, San Francisco, California 94105-1579: 1...
... Bank of Atlanta (Chapelle Davis, Assistant Vice President) 1000 Peachtree Street NE., Atlanta, Georgia 30309: 1. James Brian Ponder, Melissa Kay Ponder, Kenneth Earl Ponder, June Sumner Ponder, Beverly...
... not later than November 19, 2010. A. Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement), 101 Market Street, San Francisco, California 94105-1579: 1. Henry...
... not later than September 7, 2010. A. Federal Reserve Bank of San Francisco (Kenneth Binning, Vice President, Applications and Enforcement) 101 Market Street, San Francisco, California 94105-1579: 1. The...
It is globally recognised that action needs to be taken to address the negative effects of climate change. These effects, such as more extreme rainfall, may threaten the quality of life of those living in urban environments. Increasing the implementation of climate change adaptation measures is
Lit, Ira; Darling-Hammond, Linda
This summary report is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." This report focuses on graduates of Bank Street College Graduate School of Education teacher certification programs by examining the quality of their preparation, their teaching…
Brink, van den M.A.; Termeer, C.J.A.M.; Meijerink, S.
For the water sector, adapting to the effects of climate change is a highly complex issue. Due to its geographical position, The Netherlands is vulnerable to sea level rise, increasing river discharges and increasing salt intrusion. Th is paper deals with the question of to what extent the
van den Brink, Margo; Termeer, Catrien; Meijerink, Sander
For the water sector, adapting to the effects of climate change is a highly complex issue. Due to its geographical position, The Netherlands is vulnerable to sea level rise, increasing river discharges and increasing salt intrusion. This paper deals with the question of to what extent the
Hamzah Abdu Karim
Full Text Available This article considered one of the significant issues in Islamicfinancial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murâbahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then,and not the actual amount. Furthermore, it shows that the treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silverDOI: 10.15408/aiq.v5i1.2561
Hamzah Abdul Karim Hamid
Full Text Available This article considered one of the significant issues in Islamic financial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murabahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then, and not the actual amount. Furthermore, it shows that the treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silver.DOI: 10.15408/aiq.v5i1.2115
..., Minnesota 55480-0291: 1. Kellen M. Shebeck, Underwood, Minnesota, and Meegan S. Heiderbrink, Adrian, Minnesota; to retain voting shares of Underwood Bancshares, Inc., and thereby indirectly retain voting shares of Farmers State Bank of Underwood, both in Underwood, Minnesota. Board of Governors of the...
.... Rubenstein, all in Washington, D.C.; and Carlyle Investment Management, L.L.C.; TC Group, L.L.C.; and TCG Holdings, L.L.C., all in Wilmington, Delaware; to acquire voting shares of Brand Group Holdings, Inc., thereby indirectly acquire voting shares of The Brand Banking Company, both in Lawrenceville, Georgia...
... January 18, 2013. A. Federal Reserve Bank of Kansas City (Dennis Denney, Assistant Vice President) 1... C. Davis Succession Trust; the Ricky J. Davis Succession Trust; and the Kenneth R. Davis Succession... Steven C. Davis Succession Trust, the Ricky J. Davis Succession Trust, and the Kenneth R. Davis...
... Reserve Bank of Philadelphia (William Lang, Senior Vice President) 100 North 6th Street, Philadelphia... President) 2200 North Pearl Street, Dallas, Texas 75201-2272: 1. Carl W. Ellis, Imperial Beach, California... group acting in concert; and Timothy Rodgers Ellis, Big Spring, Texas; Kenneth Ellis, Austin, Texas; and...
..., Minnesota; to join the Gregory Raymo family group that currently consists of Gregory Raymo, and the First..., both of Mound, Minnesota; to retain voting shares of Tradition Bancshares, Inc., and thereby indirectly retain control of Tradition Capital Bank, both in Edina, Minnesota. Board of Governors of the Federal...
The point of departure for this inductive study is to explore the often unseen side of banking organisations by drawing on the lived experiences of bank workers. The research is driven by recent public and political discourse that appears to contain little in-depth knowledge of the inherent culture of banking organisations and the changes they have gone through since 1960. This leads to concerns and queries regarding what is known about the culture of the whole organisation, what changes it h...
Skvarciany, Viktorija; Juris, Iljins
.... Therefore, it is necessary to change the confidence level to higher. This scientific paper focuses on the ways of managing and changing business process to increase trust in banks through change management...
Full Text Available This paper examines the issues of sustainable banking and readiness for change using the mixed methods research approach. The research setting consisted of an international bank which operates in Serbia. Serbia is one of Western Balkan countries. The concept of sustainability is well explored in developed countries. The financial institutions from Serbia have not been included in those studies. This paper suggests key issues which need to be addressed related to the sustainability and change in the banking sector in Serbia. The main aim of this study is to assess sustainability and readiness for change in transition environment. This paper contributes to the existing literature by assessing readiness for change in selected bank. Regarding different characteristics of national cultures, the construct validity of research methodology developed in one society will be investigated for a Serbian sample. The qualitative data about sustainability were sourced from publicly available information about bank. The Organizational Diagnosis Questionnaire (ODQ developed by Preziosi (1980 is used to assess the bank's readiness for change. The sample consisted of 137 managers different socio demographic variables from bank. The research findings revealed possible practical implementation of ODQ in Serbia. The sustainable attitude of the bank is rewarded by different organizations in Serbia. The results revealed that changes in the bank should be led top down. The findings add to the existing literature on factors causing organizational effectiveness in cross-cultural organizational contexts. The practical implementation and study limitation are suggested.
The continuous resistance by the developed countries (mainly US and. Europe) to the reformation of World Bank and IMF governance pushed the major emerging economies to rethink the international financial system. The outcome is the emergence of BRICS and their BRICS development Bank concept, an alternative for ...
Claudia Gabriela Baicu
Full Text Available The global financial crisis led to substantial changes in the operating environment of banks. Reforming the regulatory framework of financial and banking activity and the increase role of state in banking systems in many countries are important factors that involve major changes in the organizing of banking activity, the strategies adopted, the business models practiced, etc. Based on these considerations, the paper examines trends in banking models after the 2007 crisis. The analysis of the banking models is performed from the perspective of the deep organizational changes that affected the banking environment and sustainable financial stability. The study focuses on the analysis of the banking sustenability and the business model in the Romanian banking system, in the context of the post-crisis organizational changes. The profound interdependence of the Romanian banking system with the banking systems of the European countries and the international tendencies in financial regulation are important factors that influence the business models of the Romanian banks. The banking model practiced in Romania continues to be the traditional one. Currently, the most important challenges of the Romanian banking system are the growth of the non-performing loans, the loans in foreign currency to unhedged borrowers, the pressure to meet the Basel III requirements, as well as the possibility that the exposure of foreign banks towards Romania to decrease.
Ketelaar, Sarah M.; Frings-Dresen, Monique H. W.; Sluiter, Judith K.
A change of medical students' health behavior over time may be related to a change in their opinion regarding the relationship between physicians' own health behavior and effective healthy lifestyle counseling in patients. To investigate Dutch medical students' (1) change of health behavior over
Stegeman, J.A.; Vernooij, J.C.M.; Khalifa, O.A.; Broek, van den J.; Mevius, D.J.
In this study, we investigated the change in the resistance of Enterococcus faecium strains isolated from Dutch broilers against erythromycin and virginiamycin in 1998, 1999 and 2001 by logistic regression analysis and survival analysis. The E. faecium strains were isolated from caecal samples that
Strien, T. van; Herman, C.P.; Verheijden, M.W.
Objective: To determine in a representative Dutch sample the association of dietary restraint, Concern for Dieting, and Weight Fluctuation with subsequent change in body mass index (BMI; in kg/m(2)) in addition to possible moderator effects of sex, level of education, age category, ethnicity,
de Graaf, R E; Dahm, R J; Icke, J; Goetgeluk, R W; Jansen, S J T; van de Ven, F H M
Worldwide, the need for transformative change in urban water management is acknowledged by scientists and policy makers. The effects of climate change and developments such as urbanization, the European Water Framework Directive, and societal concerns about the sustainability of urban water system force the sector to adapt. In The Netherlands, a shift towards integration of spatial planning and water management can be observed. Despite major changes in water management policy and approach, changes in the physical urban water management infrastructure remain limited to incremental solutions and demonstration projects. Policy studies show that institutional factors and professional perceptions are important factors for application of innovations in urban water management. An online survey among Dutch urban water management professionals demonstrates that according to most respondents, optimization of the current system is sufficient to achieve both European and national objectives for sustainable urban water management. The respondents are most concerned with the effects of climate change on urban water systems. In contrast to current policy of the national government, priority factors that should be addressed to achieve a more sustainable urban water system are improving knowledge of local urban water systems, capacity building, developing trust between stakeholders, and improving involvement of elected officials and citizens.
Horng, Eileen; Zheng, Xinhua; Lit, Ira; Darling-Hammond, Linda
This technical report is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." This report documents the influence of Bank Street teacher preparation programs based upon surveys of graduates, surveys of comparison teachers, surveys of employers, and an analysis…
Liem, T.B.; Filius, F.M.; Linden, P.D. van der; Janknegt, R.; Natsch, S.S.; Vulto, A.G.
OBJECTIVE: To analyse trends in antibiotic use in Dutch hospitals over the period 1997 to 2002. METHODS: Data on the use of antibiotics and hospital resource indicators were obtained by distributing a questionnaire to all Dutch hospital pharmacies. Antibiotic use was expressed as the number of
T.B. Liem; P.D. van der Linden; R. Janknegt; S. Natsch; A.G. Vulto (Arnold); P.M.G. Filius (Margreet)
textabstractOBJECTIVE: To analyse trends in antibiotic use in Dutch hospitals over the period 1997 to 2002. METHODS: Data on the use of antibiotics and hospital resource indicators were obtained by distributing a questionnaire to all Dutch hospital pharmacies. Antibiotic use was
Marije van 't Verlaat
In 2005 and 2006, almost sixty Dutch National Sport Federations (NSFs) participated in a special program for creating a marketing strategy for the next four years. This program was initiated and organized by NOC*NSF (the Dutch Olympic Umbrella Sports Organization). The NSFs had to joint the project
Fresco, L.O.; Berg, van den M.M.; Zeijl-Rozema, van A.E.
The integration study 'Land Use and Cover Change as an overarching topic in the Dutch National Research Programme on Global Air Pollution and Climate Change (NRP)' aims at identifying research fields in which the NRP can contribute most effectively to the international scientific
At the end of 1980, a strategic decision was made by the Dutch banks and savings banks to commence the development of a Data Communications Infrastructure (DCI), to be used for a number of forthcoming interbank applications. It was agreed that this new data communications infrastructure should be
Full Text Available An increase on competition industry from one side and the need for customer retention on the other side in banking industry create necessary motivation to learn more about customer behavior. This paper investigated the relationship between seven perspectives of banking services and customers’ attitude towards changing behavior. The seven perspectives included how bank employees’ treat customers, service prices, how to promote and market synergies, place and time to serve customers, products, equipment and process. The proposed study was implemented in two Iranian banks called Mellat and Tejarat in city of Tehran, Iran. The results indicated that all components except one case, which was “how to promote and market synergies” had meaningful and negative relationship with customer behavior.
Hunink, J.; Hoogewoud, J. C.; Prinsen, G.; Veldhuizen, A.
Netherlands Hydrological Modeling Instrument Decision support for dutch drought management and climate change. J. Hunink , J.C.Hoogewoud , A. Veldhuizen , G. Prinsen , The Netherlands Hydrological modeling Instrument (NHI) is the center point of a framework of models, to coherently model the hydrological system and the multitude of functions it supports. Dutch hydrological institutes Deltares, Alterra, Netherlands Environmental Assessment Agency, RWS Waterdienst, STOWA and Vewin are cooperating in enhancing the NHI for adequate decision support. The instrument is used by three different ministries involved in national water policy matters, for instance drought management, manure policy and climate change issues. The basis of the modeling instrument is a state-of-the-art on-line coupling of the groundwater system (MODFLOW), the unsaturated zone (metaSWAP) and the surface water system (MOZART-DM). It brings together hydro(geo)logical processes from the column to the basin scale, ranging from 250x250m plots to the river Rhine and includes salt water flow. The NHI is validated with an eight year run (1998-2006) with dry and wet periods and is updated every year. During periods of water scarcity the NHI is used for operational forecasting and decision support system for the National Board of water Distribution. It provides data on nationwide calculated water demands, development of water levels in reservoirs and possible los of yield in agricultural area's. For the exploration of the future of fresh water supply in the Netherlands an extensive study is set up using the NHI. In this study different climate scenarios are being evalueated. In the first phase the focus is on describing the range of possible effects, the second phase focuses on adaptive measures and preparing for decisions how to alter the hydrological system. Results from the first phase show that in future scenario's fresh water may not be available to current water users. Important decisions about the
Knoef, Marike; Alessie, Rob; Kalwij, Adriaan
Dutch elderly using a microsimulation model. Microsimulation models allow for detailed estimates of the income distribution. Our model deviates from traditional models by explicitly considering the persistency and heteroskedasticity of real income shocks. In this way, modeling all underlying
Yzer, MC; Siero, FW; Buunk, BP
This study evaluated the 1994, 1995 and 1996 Dutch safer sex campaigns as to their effectiveness in terms of improved attitudes, perceived social norms, self-efficacy and intentions regarding safer sex...
Levering, R.C.; Ligthart, R.; Noorderhaven, N.G.; Oerlemans, L.A.G.
The Dutch shipbuilding industry has a longstanding tradition in project-based production. Recently, industry actors have acknowledged a serious misfit between interorganizational project practices, defined as behaviors related to collaboration, and interorganizational project demands, defined as
Jensen, Henrik; Aastrup, Morten
We show that the ECB's interest rate changes during 1999-2010 have been mainly driven by changes in economic activity in the Euro area. Changes in actual or expected future HICP inflation play a minor, if any, role.......We show that the ECB's interest rate changes during 1999-2010 have been mainly driven by changes in economic activity in the Euro area. Changes in actual or expected future HICP inflation play a minor, if any, role....
Full Text Available Worldwide female genital mutilation (FGM is acknowledged as a serious violation of human rights which needs to be actively combated. However, in Europe France has been the only state to have prosecuted cases of FGM: until 2007 37 cases were tried. As for the Netherlands, (assumingly FGM is practised on a relatively small, but regular basis. Nevertheless, no cases have been prosecuted; moreover, there have few reports of (alleged FGM to the Centre for Advising and Reporting on Child Abuse. For the past decade the Dutch Parliament has urged the Dutch government to develop a more robust policy towards FGM, including intervention by the criminal justice system. However, to date the Dutch government has opted for a policy focusing on prevention and medical/social assistance, including a preference for a (non-statutory reporting code. Recommendations to introduce mandatory reporting, in order to enable the transfer of information needed to enable the criminal justice authorities to intervene, have been turned down. In doing so the Dutch government is neglecting the positive obligations embedded within the case law of the European Court of Human Rights (ECtHR, prescribing that states should offer adequate and effective protection against serious forms of ill-treatment (article 3 ECHR and/or serious violations of physical integrity (article 8 ECHR, especially to vulnerable persons. Moreover, according to the ECtHR in cases of serious violations, intervention by the criminal justice system is indicated. Thus, retaining a policy which provides no guarantees for the transfer of information needed to provide for effective and adequate protection results in a potential violation of the ECHR by the Dutch government. There is an urgent need for a change of policy. Moreover, as a result of the consistent political pressure by Parliament, the Dutch government has taken a recent interest in the way in which the French handle FGM. However, as legal and cultural
Ketelaar, Sarah M; Frings-Dresen, Monique H W; Sluiter, Judith K
A change of medical students' health behavior over time may be related to a change in their opinion regarding the relationship between physicians' own health behavior and effective healthy lifestyle counseling in patients. To investigate Dutch medical students' (1) change of health behavior over time, (2) change of opinion over time regarding the relationship between a physician's own health behavior and effective healthy lifestyle counseling in patients, and (3) the relationship between these aspects. All medical students from two Dutch medical schools were invited to fill out an online questionnaire in 2010. Respondents of 2010 were invited for 2011. Health behavior was assessed with five aspects: drinking behavior, smoking, eating habits, sleeping behavior, and sexual behavior. Their opinion regarding the relationship between their own health behavior and effective healthy lifestyle counseling in patients was assessed with one statement. At baseline, 2016 medical students (41%) participated, and at 1 year follow-up 1078 medical students (53%) participated. Fourteen percent adopted healthier behavior over time, and 12% adopted unhealthier behavior. Twelve percent positively changed their opinion, and 13% negatively changed their opinion. Participants who adopted unhealthier behavior were more inclined to also have negatively changed their opinion than participants who adopted healthier behavior (statistically nonsignificant difference, p=0.38). No significant relationship was found between a change in health behavior of Dutch medical students and a change of their opinion regarding the relationship between physicians' own healthy lifestyle and their ability to effectively influence patients to adhere to a healthy lifestyle.
Kramer, Gerard Fh; Tyszler, Marcelo; Veer, Pieter Van't; Blonk, Hans
To find diets optimised on nutrition and environmental impact close to the current Dutch diet and to identify the most effective and acceptable options for mitigating environmental impact. Linear programming was used to optimise diets of Dutch men and women aged 9-69 years, divided into ten age-gender groups. The analysis included nutrient composition, a metric for popularity and life cycle assessments of 207 food products. Greenhouse gas emissions, fossil energy use and land occupation were used to calculate a weighted score for the overall environmental impact. Optimised diets were solutions that minimised changes to the current diet while satisfying all nutritional constraints, with stepwise reductions in environmental impact. The Netherlands. Dutch children and adults aged 9-69 years. Meat was always reduced. Vegetable, fruit and dairy contents remained similar, while bread, fatty fish and legumes increased. The extent of changes depended on age and gender. Beverages were not heavily reduced. Nutrients critical for the outcome were α-linoleic acid, retinol, Ca, Na, Se, dietary fibre, SFA, thiamin and Fe (women of childbearing age). Total protein, essential amino acids and carbohydrates were not critical. Reducing meat is the most effective option for lowering the environmental impact of diets in all age-gender groups. Reducing alcoholic and non-alcoholic beverages is another option. Leaving out fish and dairy products are not. The differences in nutritional requirements related to age and gender have a significant effect on the composition of the optimised diets.
Awan, Mehmood-Ur-Rehman; Le Moullec, Yannick; Koch, Peter
This paper presents efficient processing engines for software-defined radio (SDR) front-ends. These engines, based on a polyphase channelizer, perform arbitrary sample-rate changes, frequency selection, and bandwidth control. This paper presents an M-path polyphase filter bank based on a modified...
Zegers, Maria J; Hukkelhoven, Chantal W P M; Uiterwaal, Cuno S P M; Kollée, Louis A A; Groenendaal, Floris
In 2006, the Dutch guideline for active treatment of extremely preterm neonates advised to lower the gestational age threshold for active intervention from 26 0/7 to 25 0/7 weeks gestation. To evaluate the association between the guideline modification and early neonatal outcome. National cohort study, using prospectively collected data from The Netherlands Perinatal Registry. The study population consisted of 9713 infants with a gestational age between 24 0/7 and 29 6/7 weeks, born between 2000 and 2011. Three gestational age subgroups were analysed: 24 0/7 to 24 6/7 weeks (n=269), 25 0/7 to 25 6/7 weeks (n=852) and 26 0/7 to 29 6/7 weeks (n=8592). Neonatal intensive care unit (NICU) admission, live births, neonatal in-hospital mortality, morbidity and favourable outcome (no mortality or morbidity) before (2000-2005; period 1) and after (2007-2011; period 2) introduction of the modified guideline, using χ(2) tests and univariable and multivariable logistic regression analyses. In the second period, the proportion of live births and NICU admissions increased and the proportion of neonatal and in-hospital mortality decreased significantly in all subgroups. Morbidity in surviving infants of 25 weeks increased significantly, although the association between guideline modification and morbidity became non-significant after case-mix adjustment. Overall, favourable outcome did not change significantly after guideline modification in all subgroups when adjusted for variation in case-mix. Overall, the trend in mortality gradually declined at all gestational ages, starting before 2006. This suggests that the guideline modification was a formalisation of already existing daily practice. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/
John N. N. Ugoani
Full Text Available Successful organizational change requires a supportive culture and competence development driven by exceptional leadership that can influence business strategy in allocating financial, human and material resources, processes and systems that focus on collaborative imperatives. Change management is the lubricant that oils the wheels of organizations in the race for competitive advantage. Many organizational change efforts face resistance mainly because of the method of implementation. Change Management involves the ability to communicate, influence, collaborate and work in harmony with colleagues. Emotional intelligence competencies allow organizational members to acknowledge the need for change, remove barriers, and enlist others in pursuit of new initiatives aimed at organizational success. Beginning in the late 1990s, banks in Nigeria embarked on change management through BPR that involved emotional intelligence competencies which saw the banking industry’s shareholders’ funds rising from minus N792m in 1996 to N1,935bn in 2011. The survey research design was used for the study, and data were analyzed to demonstrate the relationship between emotional intelligence and successful change management. It was found that EI has strong positive relationship with successful change management in the Nigerian banking industry.
By using a Smart Board or other "smart" technologies, it has become possible to teach interactively with students. One of the hardest concepts for middle schoolers to understand is key signatures. The Smart Board has changed the way the author reinforces key signatures with all her students, beginners to eighth graders. In this article, the author…
Mulder, Machiel; Schoonbeek, Lambert
We propose to assess the influence of a number of events on the degree of competition in the Dutch electricity wholesale market over the period 2006-2011 through a decomposition method based on the Residual Supply Index. We distinguish regulatory market-integration events, firm-level events and
Naus, J.; Vliet, van B.J.M.; Hendriksen, A.
This paper examines the participation of Dutch households in a smart and sustainable energy transition. Particular attention is paid to new forms of cooperation that are arising between households (horizontal opening-up) and between households and service providers (vertical opening-up). Data are
Yzer, MC; Siero, FW; Buunk, BP
This study evaluated the 1994, 1995 and 1996 Dutch safer sex campaigns as to their effectiveness in terms of improved attitudes, perceived social norms, self-efficacy and intentions regarding safer sex. The hypotheses were tested that variables become more positive when campaigns are conducted and
The Dutch language displays a variety of connectives, words that instruct readers and listeners about the nature of the coherence relation between two clauses. These words (e.g. omdat 'because', maar 'but', and dus 'so') not only differ in the exact relation they explicate, but also in their
Hoogland, Menno; Palmer, Jessica; Waters, Andrea
The first objective of this study is to reconstruct levels and types of physical activity and associated sexual and social differences using human skeletal remains from the predominately 19th century Dutch cemetery of Middenbeemster. Two skeletal markers of activity are examined in the upper limb of
Linguists have become aware that metonymy is not just a contiguity-based figure of speech but that it is a pervasive cognitive-linguistic mechanism which influences different linguistic levels. This linguistic insight is reflected in Dutch and German dictionaries, which use metonymy-tags, for many
Leisyte, Liudvika; Epping, Elisabeth; Faber, Marike; Westerheijden, Donald F.
The paper addresses this issue of academic freedom by exploring how the new regulation regarding student assessment procedures has been implemented in Dutch higher education institutions. We endeavour to understand how teaching staff have responded to the new rules and to what extent decision-making
Purgina, D.; Strokova, L.; Kuzevanov, K.
The article presents the results of hydrogeological studies carried out within the area of the Kama river bank in Perm city. It proposes the hydrodynamic model by means of which a number of forecasting issues have been addressed. The possible scenarios of changes in filtration flow, i.e. water rise before the obstacle and water drop behind the obstacle due to groundwater filtration blockage, have been described . The allowable changes of hydrodynamic conditions within the study area have been outlined.
Full Text Available Soil waterlogging is among abiotic stresses that influence species composition and productivity in numerous plant communities. The aim of the study was to find answer to the question of how waterlogging caused by beavers’ activity induces quantitative and qualitative changes of vegetation and soil seed bank levels of variable-moist meadows. An immediate effect of the waterlogging at the level of vegetation was the decline in species richness and a decrease in the values of the biodiversity index. Water stress inhibited growth and development of plants already present and, primarily, impeded recruitment of new individuals of species characteristic of variable-moist meadows, e.g. Cirsium rivulare, Filipendula ulmaria and Lythrum salicaria, which were replaced by Carex acutiformis. Prolonged waterlogging did not induce equally substantial changes in the soil seed bank as in the vegetation. Both in the waterlogged and control patches, slightly decreased species richness and biodiversity index were recorded. After waterlogging withdrawal, the reserves of the soil seed bank were slightly higher than the initial values. The differences were not statistically significant. In the waterlogged patch, the qualitative floristic similarity between taxa identified in the soil seed bank and vegetation cover declined, which was evidenced by the value of Jaccard’s index decreasing from 0.46 to 0.36. A reverse relationship was found in control patch, where the value of the similarity index slightly increased from 0.41 to 0.48.
Wanderson Rocha Bittencourt
Full Text Available The modernization of the financial intermediation process and adapting to new technologies, brought adjustments to operational processes, providing the reduction of information borrowing costs, allowing generate greater customer satisfaction, due to increased competitiveness in addition to making gains with long efficiency period. In this context, this research aims to analyze the evolution in scale and technological efficiency of credit and multiple cooperative banks from 2009 to 2013. We used the method of Data Envelopment Analysis - DEA, which allows to calculate the change in efficiency of institutions through the Malmquist Index. The results indicated that institutions that employ larger volumes of assets in the composition of its resources presented evolution in scale and technological efficiency, influencing the change in total factor productivity. It should be noticed that cooperatives had, in some years, advances in technology and scale efficiency higher than banks. However, this result can be explained by the fact that the average efficiency of credit unions have been lower than that of banks in the analyzed sample, indicating that there is greater need to improve internal processes by cooperatives, compared to multiple banks surveyed.
Abiodun Eniola Alao
Full Text Available The long years of marketing practices in the Nigerian banking industry has recorded low level standards relative to global standard practice. The effect on the overall industry performance measurable basically in terms of customer satisfaction, customer loyalty and brand equity has been on the negativity. In some cases, banks overall performance level was never assessed based on customer orientation, value and other customer related measures rather on some quick financial indicators. This poor orientation towards marketing has rather become a forgone especially in the banking area of financial services in Nigeria. This study was therefore conducted to examine the changing trend towards embracing marketing philosophy and the extent of the banks’ performance level in response to changing expectations of customers. Theoretical issues relating marketing, customer philosophy, financial marketing, customer loyalty, satisfaction, and brand equity were explored to establish the key performance variables and the existing relationships amongst them. Empirical study was equally carried out with the use of questionnaire, administered on randomly selected banks’ customers and management staff. Data collected were analyzed on the basis of critical measures which include customer awareness, market sensitivity to financial delivery, customer profile and sophistication through the use of Spearman Rank Correlation Coefficient. The result among other things shows that there is a significant relationship between the new trend towards marketing orientation, financial services in the banking industry and performance level. Based on this study, we recommend improved marketing performance and training to enhance service delivery, customer satisfaction, and customer loyalty across all banks in the geographical places of the Nigerian financial markets.
Meulen, van der H.A.B.; Asseldonk, van M.A.P.M.
In this paper mainstream and alternative sources of finance in
Dutch agriculture is analysed. Dutch farmers make use of
different sources of finance whereby bank loans continue to
serve as the major source of debt financing. The average bank
loan was approximately 740,000 euro per
Intrator, Sam; Park, Soyoung; Lit, Ira
This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." Established in 1989, Midtown West is a New York City public elementary school serving approximately 350 students from kindergarten through grade five. With the support of Tony Alvarado,…
Wagner, A. J.; Slowey, N. C.
The Pacific/North American (PNA) pattern is a dominant atmospheric pattern of climate variability in the extratropical Northern Hemisphere and strongly influences the winter climate of the southeast United States. The instrumental record used to characterize the PNA pattern does not exist prior to the mid-1940s. However, information about past variability in the PNA pattern is preserved in the skeletons of long-lived corals at the reefs of the Flower Garden Banks National Marine Sanctuary (NMS). The Flower Garden Banks NMS is located approximately 180 km south of the Texas/Louisiana border in the Gulf of Mexico and is the northernmost hermatypic reef on the United States continental shelf. It has previously been shown that linear coral extension rates at the Flower Garden Banks are highly correlated with winter air and sea surface temperatures. In addition, average winter temperatures in the southeastern United States are negatively correlated with the phase of the PNA pattern. During a positive phase of the PNA pattern, the southeast US experiences stronger and more frequent winter storms while a negative phase of the PNA pattern brings milder winters to the region. Thus, past coral extension rates at the Flower Garden Banks provide a means to reconstruct the history of temporal variations in the PNA pattern. We collected several long cores of skeletal material from long-lived Montastrea faveolata and Siderastrea siderea coral heads from the Flower Garden Banks NMS. Annual extension rates have been determined based on X- radiographic analysis of high/low density growth bands and are used to characterize interdecadal variability associated with changes in the PNA pattern. In addition, the presence of winter stress bands due to below average water temperatures indicate winters with more severe and/or frequent storms. Analysis of these results will contribute directly to our understanding of the temporal character of interannual and interdecadal variations of North
Rick J. Verschoof
Full Text Available This article describes what has recently been published in Dutch research on the behaviour and actions of judges during civil oral hearings in Dutch courtrooms in relation to experienced procedural justice and with regard to reaching settlements. It tries to distil what we know and to provide an insight into what we do not know as yet and it pays attention to a new way of handling cases during oral hearings: the search for the underlying conflict. What is this exactly? Do we know, or can we predict what this way of handling oral hearings will do in terms of perceived procedural justice and in terms of settling the case?The author concludes as a legal scientist that we do not know enough to be sure that this approach has a positive effect, although we do have clues pointing in that direction, and that more research is needed. He advocates, based on his professional experience as a judge, that it is better to move forward and to begin to really train the judiciary in communication techniques and in the management of conflict resolution, because there is much to be gained in these fields and the goal of the judiciary should be to remain connected with what the parties need and want from a modern judge.
Krouwel, E M; Nicolai, M P J; van Steijn-van Tol, A Q M J; Putter, H; Osanto, S; Pelger, R C M; Elzevier, H W
In most types of cancer, the disease and its treatment can result in altered sexual function (SF). Oncology nurses are strategically placed to address SF since they have frequent patient interaction. Our aim was to establish their knowledge about and attitudes to SF in oncology care and identify their perceived barriers to addressing the subject. A 37-item questionnaire was administered during the 2012 Dutch Oncology Nursing Congress and mailed to 241 Dutch oncology nursing departments. The majority of 477 nurses (87.6%) agreed that discussing SF is their responsibility. Discussing SF routinely is performed by 33.4% of these nurses, consultations mainly consisted of mentioning treatment side-effects affecting SF (71.3%). There were significant differences depending on experience, knowledge, age, academic degree and department policy. Nurses ≤44 years old (p oncology experience (p = 0.001), insufficient knowledge (p oncology nurses consider counselling on sexual issues to be an important responsibility, in line with discussing other side-effects caused by the disease or its treatment. Nevertheless, cancer patients may not routinely be receiving a sexual health evaluation by oncology nurses. Results emphasize the potential benefit of providing knowledge, including practical training and a complete department protocol. Copyright © 2015 Elsevier Ltd. All rights reserved.
Mallinson, David J.; Hine, Albert C.; Hallock, Pamela; Locker, Stanley D.; Shinn, Eugene; Naar, David; Donahue, Brian; Weaver, Douglas C.
Geophysical and coring data from the Dry Tortugas, Tortugas Bank, and Riley’s Hump on the southwest Florida margin reveal the stratigraphic framework and growth history of these carbonate banks. The Holocene reefs of the Dry Tortugas and Tortugas Bank are approximately 14 and 10 m thick, respectively, and are situated upon Pleistocene reefal edifices. Tortugas Bank consists of the oldest Holocene corals in the Florida Keys with earliest coral recruitment occurring at ∼9.6 cal ka. Growth curves for the Tortugas Bank reveal slow growth (development at the Dry Tortugas began at ∼6.4 cal ka. Aggradation at the Dry Tortugas was linear, and rapid (∼3.7 mm/yr) and kept pace with sea-level change. The increase in aggradation rate of Tortugas Bank at 6.2 cal ka is attributed to the growth of the Dry Tortugas reefs, which formed a barrier to inimical shelf water. Termination of shallow (<15 m below sea level) reef growth at Tortugas Bank at ∼4.2 cal ka is attributed to paleoclimate change in the North American interior that increased precipitation and fluvial discharge. Reef growth rates and characteristics are related to the rate of sea-level rise relative to the position of the reef on the shelf margin, and are additionally modified by hydrographic conditions related to climate change.
Risch, D.; Haan, de D.
The Antillean Island chain is a known breeding and calving ground for North Atlantic humpback whales (Megaptera novaeangliae). However, while most research efforts for this species have focused on the largest aggregation of whales, located on Silver Bank, off the northern coast of the Dominican
van Strien, Tatjana; Herman, C Peter; Verheijden, Marieke W
To determine in a representative Dutch sample the association of dietary restraint, Concern for Dieting, and Weight Fluctuation with subsequent change in body mass index (BMI; in kg/m(2)) in addition to possible moderator effects of sex, level of education, age category, ethnicity, overweight level and physical activity. In a longitudinal study in a representative Dutch sample consisting of 675 participants (331 females, 344 males), dietary restraint (including Concern for Dieting and Weight Fluctuation) was assessed with the Restraint Scale at baseline, and also self-reported weight and height. Three years later, weight and height were also assessed. Dietary restraint was significantly associated with an increase in BMI after three years (B=.272, p=001). Inspection of the significant moderator effect of sex (B=-.387, p=.012) indicated that dietary restraint was significantly associated with increases in BMI only in females. There was no main effect for Concern for Dieting (p=.091). There was a moderator effect of sex on the association between Concern for Dieting and BMI change (B=-.424; p=.002): initial concern for dieting was positively associated with subsequent body mass gain only in women. Weight Fluctuation was significantly associated with an increase in BMI after three years (B=.162, p=008) and sex did not moderate this association. There were no moderator effects for level of education, age category, ethnicity, overweight level and physical activity. Dietary restraint and Concern for Dieting are associated with increases in BMI only in females. Weight Fluctuation is associated with increases in BMI in both males and females. Copyright © 2014 Elsevier Ltd. All rights reserved.
Huizinga, M.; Smidts, D.P.
This study examined age-related change in executive function by using a Dutch translation of the Behavior Rating Inventory of Executive Function (BRIEF; Gioia et al., 2000) that was applied to a normative sample (age range 5-18 years). In addition, we examined the reliability and factorial
Blank, Jos L T; van Hulst, Bart L
Well-trained, well-distributed and productive health workers are crucial for access to high-quality, cost-effective healthcare. Because neither a shortage nor a surplus of health workers is wanted, policymakers use workforce planning models to get information on future labour markets and adjust policies accordingly. A neglected topic of workforce planning models is productivity growth, which has an effect on future demand for labour. However, calculating productivity growth for specific types of input is not as straightforward as it seems. This study shows how to calculate factor technical change (FTC) for specific types of input. The paper first theoretically derives FTCs from technical change in a consistent manner. FTC differs from a ratio of output and input, in that it deals with the multi-input, multi-output character of the production process in the health sector. Furthermore, it takes into account substitution effects between different inputs. An application of the calculation of FTCs is given for the Dutch hospital industry for the period 2003-2011. A translog cost function is estimated and used to calculate technical change and FTC for individual inputs, especially specific labour inputs. The results show that technical change increased by 2.8% per year in Dutch hospitals during 2003-2011. FTC differs amongst the various inputs. The FTC of nursing personnel increased by 3.2% per year, implying that fewer nurses were needed to let demand meet supply on the labour market. Sensitivity analyses show consistent results for the FTC of nurses. Productivity growth, especially of individual outputs, is a neglected topic in workforce planning models. FTC is a productivity measure that is consistent with technical change and accounts for substitution effects. An application to the Dutch hospital industry shows that the FTC of nursing personnel outpaced technical change during 2003-2011. The optimal input mix changed, resulting in fewer nurses being needed to let
Akin, Su-Mia; Martens, Pim; Huynen, Maud M T E
There is growing evidence of climate change affecting infectious disease risk in Western Europe. The call for effective adaptation to this challenge becomes increasingly stronger. This paper presents the results of a survey exploring Dutch expert perspectives on adaptation responses to climate change impacts on infectious disease risk in Western Europe. Additionally, the survey explores the expert sample's prioritization of mitigation and adaptation, and expert views on the willingness and capacity of relevant actors to respond to climate change. An integrated view on the causation of infectious disease risk is employed, including multiple (climatic and non-climatic) factors. The results show that the experts consider some adaptation responses as relatively more cost-effective, like fostering interagency and community partnerships, or beneficial to health, such as outbreak investigation and response. Expert opinions converge and diverge for different adaptation responses. Regarding the prioritization of mitigation and adaptation responses expert perspectives converge towards a 50/50 budgetary allocation. The experts consider the national government/health authority as the most capable actor to respond to climate change-induced infectious disease risk. Divergence and consensus among expert opinions can influence adaptation policy processes. Further research is necessary to uncover prevailing expert perspectives and their roots, and compare these.
Climate change effects on the biodiversity of the BES islands : assessment of the possible consequences for the marine and terrestrial ecosystems of the Dutch Antilles and the options for adaptation measures
Debrot, A.O.; Bugter, R.J.F.
Due to their vulnerability and low capacity to adapt, the impact of climate change on small island nations will be far larger compared to larger countries. The Dutch BES islands (Bonaire, St. Eustatius and Saba) form part of the Caribbean global biodiversity hotspot area. The leeward Dutch islands
Full Text Available In this paper we analyze Romanian banking performance for the period 2006-2011 by computing a Malmquist index based on Data Envelopment Analysis. By adopting the intermediation approach in defining categories of inputs and outputs our conclusions focus on how ownership structure and size influence multi factor productivity change. Also this study aims at identifying the relatively best performing bank categories by focusing on the sources of total factor productivity (TFP growth. The results point out the difficulty in describing a consistent pattern of efficiency changes in time for the period considered. Overall the trend of productivity growth is a descending one. Alternatively, large and small banks manage to obtain the best scores whereas most time second ranked are medium sized banks. As the efficiency scores suggest, scale efficiency and management efficiency are responsible for most of the productivity growth. In terms of the selected variables this means good financial management of liquidity (reflected by the input output ratio of loans and deposits, a well-considered ratio of interest incomes and expenses, comfortable personnel expenses corroborated with an adequate size of operations. Regarding the influence of ownership origin, the study presents evidence that foreign-owned banks outperform domestic owned banks.
Minto, Andrea; McCormick, Roger
Corporate governance reforms have become more intrusive for banks than might be thought appropriate for “ordinary corporates”. “Heavier” regulation in this area is justified by the public interest at stake in bank activity and the risk to the public interest if a bank is allowed to fail (and the
Royles, Jessica; Griffiths, Howard
Mosses are the dominant plants in polar and boreal regions, areas which are experiencing rapid impacts of regional warming. Long-term monitoring programmes provide some records of the rate of recent climate change, but moss peat banks contain an unrivalled temporal record of past climate change on terrestrial plant Antarctic systems. We summarise the current understanding of climatic proxies and determinants of moss growth for contrasting continental and maritime Antarctic regions, as informed by 13C and 18O signals in organic material. Rates of moss accumulation are more than three times higher in the maritime Antarctic than continental Antarctica with growing season length being a critical determinant of growth rate, and high carbon isotope discrimination values reflecting optimal hydration conditions. Correlation plots of 13C and 18O values show that species (Chorisodontium aciphyllum / Polytrichum strictum) and growth form (hummock / bank) are the major determinants of measured isotope ratios. The interplay between moss growth form, photosynthetic physiology, water status and isotope composition are compared with developments of secondary proxies, such as chlorophyll fluorescence. These approaches provide a framework to consider the potential impact of climate change on terrestrial Antarctic habitats as well as having implications for future studies of temperate, boreal and Arctic peatlands. There are many urgent ecological and environmental problems in the Arctic related to mosses in a changing climate, but the geographical ranges of species and life-forms are difficult to track individually. Our goal was to translate what we have learned from the more simple systems in Antarctica, for application to Arctic habitats. © 2014 John Wiley & Sons Ltd.
Jungerius, Pieter Dirk; van den Ancker, Hanneke; Wevers, Nina
Geodiversity is the natural and cultural range of geological, geomorphological and soil features. We analysed the large database of 19th and early 20th century paintings of Simonis and Buunk (www.Simonis-Buunk.com) to track changes in the geodiversity of Dutch peatlands since pre-photographic times. Peat dominated in two of the eight main landscapes of the Netherlands: the Lowland peats in the Holocene west and the Highland peats in the sandy Pleistocene eastern parts. Painters were mainly attracted by the lowland peats. Since more than thousand years, peat plays a major role in Dutch military security, economy, ecology and cultural life. Natural variety and cultural use resulted in a geodiversity that is unique in Europe. There are more than 100 place names with 'veen' (= peat), and surnames with 'veen' are common. Proof of the exploitation of peat for salt and fuel exists from the Roman times onwards. In the 9th century, peatlands were drained and reclaimed for growing wheat. Already in the 11th century, it was necessary to build dikes to prevent flooding, to control waterlevels to avoid further oxidation, and to convert landuse to grassland. But subsidence continued, and in the 14th century windmills were needed to drain the lands and pump the water out. In the 16th century industrial peat exploitation fuelled the rise of industries and cities. All this draining and digging caused the peat surface to shrink. The few remaining living peats are conserved by nature organisations. Geodiversity and landscape paintings In the peat landscapes, popular painting motives were high water levels, the grasslands of the 'Green Heart', the winding streams and remaining lakes. The paintings of landscapes where peat had been removed, show watermanagement adaptations: wind mills, different water levels, canals made for the transport of fuel, bridges, tow paths and the 'plassen', i.e. the lakes left after peat exploitation. The droogmakerijen (reclaimed lakes), now 2 to 5 m below
Lit, Ira; Intrator, Sam
This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education," that examines the preparation, practices, and effectiveness of graduates of Bank Street College of Education teacher certification programs over the last decade. This case study examines…
Learning to Play, Playing to Learn: The Bank Street Developmental-Interaction Approach in Liliana's Kindergarten Classroom. Teaching for a Changing World: The Graduates of Bank Street College of Education
Park, Soyoung; Lit, Ira
This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." The Bank Street College of Education's developmental-interaction approach to teaching and learning centers on understanding, valuing, and meeting the needs of the "whole child."…
Hengeveld, G.M.; Didion, M.P.; Clerkx, A.P.P.M.; Elkin, C.; Nabuurs, G.J.; Schelhaas, M.
Climate change can severely impact forest landscape and the ecosystem services provided. Forest management decisions (with or without anticipation of climate change) are made by each forest owner individually. Within a forest landscape, anticipation of climate change will thus reflect the different
Aguirre-Gutiérrez, Jesús; Kissling, W.D.; Biesmeijer, Jacobus C.; Wallis de Vries, Michiel; Reemer, Menno; Carvalheiro, Luísa G.
Aim: Species distribution models are often used to project species distributions to different environmental conditions. However, most models do not consider whether the importance of abiotic factors may change over time. If they change, this has implications for the assessment of how abiotic changes
Veraart, J.A.; Brinkman, S.; Klostermann, J.E.M.; Kabat, P.
Dealing with climate change and climate variability is one of the largest challenges for the coming years, both on a national and global scale. The Intergovernmental Panel on Climate Change (IPCC) presents increasing evidence of impacts of climate change and suggests that most of the warming
Rukanova, Boriana; Stijn, Eveline van; Henriksen, Helle Zinner
perceived as key components of a solution. Thus, we see that many ICT-driven change efforts have taken and continue to take place under the header of eGovernment. These changes are not always successful, however, and not yet wellunderstood. In this article, we provide an interpretive longitudinal account...... & Poole's (1995) work "Explaining development and change in organizations" in which they describe four "motors of change" - life cycle, teleology, dialectics, and evolution - and we combine it with some of Pettigrew's ideas on change. This combinatory theory offers a way of thinking about the occurrence...
On the 1 October 1992 a change in the Dutch building legislation took effect: the revised Housing Act, the Building Decree and the technical documents related to this legislation came into force. This publication contains an English translation of the Building Decree. In order to give an idea of the
OBJECTIVES OF THE THESIS
Heathlands in The Netherlands are vanishing due to the invasion of trees. The transition from heathland to woodland in Dutch heathlands may either proceed directly or is preceded by the development of an intermediate grass heath. These changes are due to natural
This study of agricultural change deals simultaneously with: (a) farm planning, ie. the constant adaptation to changing circumstances at the level of the individual farm firm and (b) conditional forecasting, ie. the analysis of alternative agricultural and environmental policy views and
Jensen, A.; Bommel, van S.; Brandt Pedersen, A.; Orsted Nielsen, H.; Kuindersma, W.
Planning in contemporary societies takes place under conditions of complexity and uncertainty, which stresses the politicised character of planning. Through studies of change in particular framings of planning, induced by the integration of climate change policy issues in the strategic planning of
Cotterill, Carol J.; Phillips, Emrys; James, Leo; Forsberg, Carl Fredrik; Tjelta, Tor Inge; Carter, Gareth; Dove, Dayton
This paper presents a summary of the results of a detailed multidisciplinary study of the near surface geology of the Dogger Bank in the southern central North Sea, forming part of a site investigation for a major windfarm development undertaken by the Forewind consortium. It has revealed that the Dogger Bank is internally complex rather than comprising a simple ;layer cake; of the Quaternary sediments as previously thought. Regional and high-resolution seismic surveys have enabled a revised stratigraphic framework to be established for the upper part of this sequence which comprises the Eem (oldest), Dogger Bank, Bolders Bank formations and Botney Cut Formation (youngest), overlain by a typically thin Holocene sequence. Detailed mapping of key horizons identified on the high-resolution seismic profiles has led to the recognition of a series of buried palaeo-landsystems which are characterised by a range of features including; glacial, glacifluvial and fluvial channels, a large-scale glacitectonic thrust-moraine complex with intervening ice-marginal basins, a lacustrine basin and marine ravinement surfaces. Interpretation of these buried landscapes has enabled the development of an environmental change model to explain the evolution of the Dogger Bank. This evolution was driven by the complex interplay between climate change, ice sheet dynamics and sea level change associated with the growth and subsequent demise of the British and Irish and Fennoscandian ice sheets during the Weichselian glaciation. Following the decay of these ice sheets the Dogger Bank entered a period of significant climatic and environmental flux which saw a terrestrial landscape being progressively inundated as sea levels rose during the Holocene.
Full Text Available The river channel dynamics are result of the complex interaction between natural and human impact. In the presented study, we assessed spatial and temporal dynamics of Bosna river channel migration during 2001-2013 period using orthophoto images and GIS. We have identified that the total area of bank erosion during given period equaled 2.8695 km2, of which 1.2178 km2 were on the left bank and 1.6516 km2 on the right bank. The total area of bank accretion from 2001 to 2013 equaled 2.6841 km2, of which 1.2864 km2 was on the left bank and 1.3977 km2 on the right bank. The Bosna riverbed average movement in the period 2001-2013 was established in the amount of 60.7 m. During this period, the average lateral channel migration was 5.05 m per year. Lateral migration of the Bosna River has caused serious problems: disappearance of arable land, forests, pastures and meadows, economic loss due to the reduction of agricultural. Using statistical analysis of a land use structure changes along the lower part of Bosna River, we obtained the results which show significant lost in arable land. According to results, 42.3 ha of arable land, 171.9 ha forests and 31.8 ha pastures and meadows were lost during 2001-2013 period. The data presented here are significant for practical issues such as predicting channel migration rates for engineering and planning purposes, soil and water management. [Projekat Ministarstva nauke Republike Srbije, br. 43007: The Research on Climate Change Influences on Environment: Influence Monitoring, Adaptation and Mitigation, subproject No. 9: Torrential Floods Frequency, Soil and Water Degradation as the Consequence of Global Changes
Sterren-Kusters, W.J.C.; Heijden, P.T. van der; Egger, J.I.M.
Research demonstrates that patients' expectations about treatment outcome are an important predictor of actual psychotherapeutic treatment outcome. So far, only few psychometrically sound expectancy questionnaires are available to assess treatment expectancy. The Anxiety Change Expectancy Scale
A.J.C. van der Hoeven (Arno)
textabstractThis study examines the changing roles of heritage professionals by focusing on the participatory practices of intangible urban heritage. Developments towards democratisation in the heritage sector led to a growing expectation that heritage
Kamperman, Hans; Biesbroek, Robbert
The Netherlands is particularly vulnerable for the impacts of climate change on the water system. Regional water authorities, or water boards, are given an important role to design and implement specific adaptation policies and measures to manage these impacts. From the early 2000s onwards water
Runhaar, H.A.C.; Mees, H.L.P.; Wardekker, J.A.; Sluijs, J.P. van der; Driessen, P.P.J.
Climate change is associated with various risks, such as flooding and heat stress. So far, most research has concentrated on the identification and quantification of these risks as well as the development of adaptation measures. Yet much less is known about how planners actually perceive and deal
Boonstra, N.; Limburg, H.; Tijmes, N.; van Genderen, M.; Schuil, J.; van Nispen, R.M.A.
Purpose: Causes of low vision in the Netherlands may have changed over time. The purpose of this study is to assess trends over the last two decades. Methods: Socio-demographic and medical data, including ophthalmic diagnosis and inheritance patterns for 2843 children with low vision (0-21 years;
In this paper the lobbying efforts of the Dutch financial elite aimed at safeguarding the securitization of Dutch mortgages, which had become a crucial part of Dutch banking business models, is reconstructed, centred on the so-called Liquidity Coverage Ratio of the Basle Committee of Banking
Wang, Weishi; Munz, Matthias; Oswald, Sascha E.
The interaction of river water and groundwater is of importance for the hydrological cycle and water quality in rivers. Moreover, drinking water is often obtained by pumping groundwater in the direct vicinity of rivers, called bank filtration. Typically this implies a considerable dynamics, because changes in river water level and pumping activities will cause varying conditions, and in its effects modified by the local hydrogeology. Numerical modelling can be a tool to study spatial patterns and temporal changes. Often this is limited by model performance, uncertainty of geological structure and lack of sufficient observation values beyond water heads, for example water quality or temperature data. The aim of this research is to model the hydraulic conditions for transient conditions, including a period of substantial re-construction works in the river. Later this will then be used to include the temperature and other water quality data to improve the model performance. As shown from the geological information analysis, the majority of the water volume pumped is from the first and second aquifers, where a strong exchange between the river and groundwater can happen. The implementation of the geological structure is based on 7 main geological profiles and several scattered drilling wells of difference depths. A first model has been built in FEFLOW 6.2 as a steady fluid flow model, while the pilot-points auto-calibration method is used for estimating the hydraulic conductivity of different sediment types, based on water head information of 19 observation wells. Then a transient model during the year 2011-2013 is further calibrated based on estimated hydraulic conductivity. Furthermore, the observation wells are used to make a statistic analysis with the hydrograph of the river to clarify the correlation of changes in river to changes in groundwater.
Full Text Available Growing levels of regulation force financial institutions to change their business models toward lower risk levels, higher capital adequacy, service quality, and more stable revenue pools. In parallel with the regulatory changes, the banks are subject to pressure from accelerated technology development and social changes. These two factors influence the behavior of customers and induce changes in the customer relationship management (CRM. Taking the example of retail banking, the factors and their impacts are explained. Additionally, a view on the FinTech industry is presented, highlighting areas where traditional financial institutions are losing market share to technology-savvy and socially oriented new ventures with exceptional CRM capabilities. The conclusion contains proposed strategic actions that need to be undertaken in order to prepare the financial services industry for managing customer relationships in the increasingly technosocial environment.
Verstraeten, Ingrid M.; Thurman, E.M.; Lindsey, M.E.; Lee, E.C.; Smith, R.D.
The changes in triazine and acetamide concentrations in water during natural and artificial treatment by bank filtration, ozonation, filtration, and chlorination were measured at the well field and drinking water treatment plant of Lincoln, Nebraska, USA. The city's groundwater supply is affected by induced infiltration and transport of triazines and acetamide herbicides from the Platte River in late spring and early summer. The objective of the study was to evaluate the effect of infiltration and treatment on the presence of triazines and acetamides in drinking water. Samples of river water, well water, and public supply water at various stages of water treatment were collected from 1997-1999 during spring-runoff when the presence of herbicides in the Platte River is largest. In 1999, parent compounds were reduced by 76% of the concentration present in river water (33% by bank filtration, 41% by ozonation, and 1.5% by chlorination). Metabolites of herbicides for which analytical techniques existed were reduced by 21% (plus 26% by bank filtration, minus 23% by ozonation, and minus 24% by chlorination). However, increases in concentrations of specific metabolite compounds were identified after bank filtration and ozonation. After bank filtration, increases in cyanazine amide, cyanazine acid, and deethylcyanazine acid were identified. After ozonation, concentrations of deisopropylatrazine, deethylatrazine, didealkylatrazine, atrazine amide-I, hydroxydeethylatrazine, hydroxydeisopopylatrazine, deethylcyanazine acid, and deethylcyanazine increased. Concentrations of cyanazine acid and ethanesulfonic and oxanilic acids of acetamides decreased during ozonation. Our findings suggest that bank filtration and ozonation of water in part can shift the assessment of risk to human health associated with the consumption of the water from the parent compounds to their degradation products.
van Walraven, L.; Dapper, R.; Nauw, J.J.; Tulp, I.; Witte, J.IJ.; van der Veer, H.W.
Long-term patterns in fish phenology in the western Dutch Wadden Sea were studied using a 53 year (1960–2013) high resolution time series of daily kom-fyke catches in spring and autumn. Trends in first appearance, last occurrence and peak abundance were analysed for the most common species in
Noordhuizen, J.P.T.M.; Egmond, van M.J.; Jorritsma, R.; Hogeveen, H.; Lievaart, J.J.
Dairy farms are tending to become larger, with a milk quota of more than 8 tons a year, and are managed by entrepreneurial dairy farmers with their own specific characteristics and farming style. Some Dutch veterinary practices appear unable to respond to this different style and often do not serve
Rüter, S.; Vos, C.C.; Eupen, van M.; Rühmkorf, H.
Establishing ecological networks across national boundaries is essential for species to adapt to shifts in future suitable climate zones. This paper presents a method to assess whether the existing ecological network in the Dutch – German border region is “climate proof”. Using distribution data and
van der Linde, J.A.; van Kampen, D.A.; van Beers, L.W.A.H.; van Deurzen, D.F.P.; Terwee, C.B.; Willems, W.J.
Background: The Oxford Shoulder Instability Score (OSIS) is a short, self-reported outcome measurement for patients with shoulder instability. In this study, the OSIS was validated in Dutch by testing the internal consistency, reliability, measurement error, validity and the floor and ceiling
Boekel, D.N.; Georgakopoulos, G.; Sotiropoulos, I.; Vasileiou, K.Z.
In this study an analysis is made on the impact of the transition to IFRS (International Financial Reporting Standards) for first-time IFRS users on the fees paid to auditors. This was tested on Dutch and German data collected partially by hand and partially via Datastream. Due to previous research
Aalbers, Teun; Qin, Li; Baars, Maria Ae; de Lange, Annet; Kessels, Roy Pc; Olde Rikkert, Marcel Gm
Our labor force is aging, but aged workers are not yet coached on how to stay cognitively fit for the job. In this study, we tested whether a self-motivated, complex eHealth intervention could improve multiple health-related behaviors that are associated with cognitive aging among working Dutch adults. This quasi-experimental prospective study with a pre-post design was conducted with employees of Dutch medium to large companies. All employees with Internet access, a good understanding of the Dutch language, and who provided digital informed consent were eligible to participate. In total, 2972 participants (2110/2972, 71.11% females) with a mean (standard deviation, SD) age of 51.8 (SD 12.9) years were recruited; 2305 became active users of the intervention, and 173 completed the 1-year follow-up. This self-motivated eHealth lifestyle intervention stimulates participants to set personally relevant, monthly health behavior change goals using Goal Attainment Scaling and to realize these goals by implementing behavior change techniques grounded in behavior change theory. The primary outcomes were the goal-setting success rate and the change in overall lifestyle score from baseline to the 1-year follow-up; the score was based on physical activity, diet, smoking, alcohol, sleep, and stress scores. The secondary outcomes were the changes in body weight, body mass index, specific lifestyle characteristics, and website usage. A total of 1212 participants set 2620 behavior change goals; 392 participants assessed 1089 (1089/2288, 47.59%) goals and successfully achieved 422 (422/1089, 38.75%) of these goals. Among the goal-setting participants in follow-up, this led to a +0.81-point improvement (95% CI 0.49-1.13, P<.001) in overall lifestyle (d=0.32) and weight loss of 0.62 kg (95% CI -1.16 to -0.07, P=.03). These participants also showed significant improvement in 8 out of 11 specific lifestyle components. Among an adult Dutch population, this eHealth intervention resulted
Edwards, D. Brent, Jr.; Storen, Inga
Much literature has focused on the influence of the World Bank with regard to policy reform in low-income countries. While this literature has been produced over the course of many decades, the underlying studies have not tended to take a multi-decade approach to examining the way that World Bank influence changes in a given country. Put…
Vincent G Guida
Full Text Available Georges Bank is a large, shallow feature separating the Gulf of Maine from the Atlantic Ocean. Previous studies demonstrated a strong tidal-mixing front during the warm season on the northern bank margin between thermally stratified water in the Gulf of Maine and mixed water on the bank. Tides transport warm water off the bank during flood tide and cool gulf water onto the bank during ebb tide. During 10 days in August 2009, we mapped frontal temperatures in five study areas along ∼100 km of the bank margin. The seabed "frontal zone", where temperature changed with frontal movment, experienced semidiurnal temperature maxima and minima. The tidal excursion of the frontal boundary between stratified and mixed water ranged 6 to 10 km. This "frontal boundary zone" was narrower than the frontal zone. Along transects perpendicular to the bank margin, seabed temperature change at individual sites ranged from 7.0°C in the frontal zone to 0.0°C in mixed bank water. At time series in frontal zone stations, changes during tidal cycles ranged from 1.2 to 6.1°C. The greatest rate of change (-2.48°C hr(-1 occurred at mid-ebb. Geographic plots of seabed temperature change allowed the mapping of up to 8 subareas in each study area. The magnitude of temperature change in a subarea depended on its location in the frontal zone. Frontal movement had the greatest effect on seabed temperature in the 40 to 80 m depth interval. Subareas experiencing maximum temperature change in the frontal zone were not in the frontal boundary zone, but rather several km gulfward (off-bank of the frontal boundary zone. These results provide a new ecological framework for examining the effect of tidally-driven temperature variability on the distribution, food resources, and reproductive success of benthic invertebrate and demersal fish species living in tidal front habitats.
Guida, Vincent G; Valentine, Page C; Gallea, Leslie B
Georges Bank is a large, shallow feature separating the Gulf of Maine from the Atlantic Ocean. Previous studies demonstrated a strong tidal-mixing front during the warm season on the northern bank margin between thermally stratified water in the Gulf of Maine and mixed water on the bank. Tides transport warm water off the bank during flood tide and cool gulf water onto the bank during ebb tide. During 10 days in August 2009, we mapped frontal temperatures in five study areas along ∼100 km of the bank margin. The seabed "frontal zone", where temperature changed with frontal movment, experienced semidiurnal temperature maxima and minima. The tidal excursion of the frontal boundary between stratified and mixed water ranged 6 to 10 km. This "frontal boundary zone" was narrower than the frontal zone. Along transects perpendicular to the bank margin, seabed temperature change at individual sites ranged from 7.0°C in the frontal zone to 0.0°C in mixed bank water. At time series in frontal zone stations, changes during tidal cycles ranged from 1.2 to 6.1°C. The greatest rate of change (-2.48°C hr(-1)) occurred at mid-ebb. Geographic plots of seabed temperature change allowed the mapping of up to 8 subareas in each study area. The magnitude of temperature change in a subarea depended on its location in the frontal zone. Frontal movement had the greatest effect on seabed temperature in the 40 to 80 m depth interval. Subareas experiencing maximum temperature change in the frontal zone were not in the frontal boundary zone, but rather several km gulfward (off-bank) of the frontal boundary zone. These results provide a new ecological framework for examining the effect of tidally-driven temperature variability on the distribution, food resources, and reproductive success of benthic invertebrate and demersal fish species living in tidal front habitats.
... contracted in good faith. (A) “Good faith” means that a person must either make or acquire a loan secured by... national bank resulting from a redemption of voting securities. (2) Acting in concert means: (i) Knowing... pursuant to an express agreement; or (ii) A combination or pooling of voting or other interests in the...
The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.
Full Text Available 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.
Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in ...
Anja Steenbekkers; Carola Simon; Lotte Vermeij; Willem-Jan Spreeuwers
Original title: Het platteland van alle Nederlanders. The Dutch countryside is changing rapidly. Recreation and nature development are gaining importance alongside traditional functions such as farming and providing a place to live. The Dutch government expresses its policy for a vital
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.
Simon H. Verduijn
Full Text Available In 2008, the Second State Delta Committee, commissioned by the Dutch Secretary of Public Works and Water Management, provided suggestions on how to defend the Netherlands against the expected impacts of climate change, such as sea level rise, longer periods of drought, more intense periods of rainfall and additional land subsidence over the coming two hundred years (Veerman, 2008. In this paper we show that even though no crisis actually occurred, the Second Delta Committee succeeded in three areas. First, the committee managed to create awareness and set the agenda for climate adaptation policy and the issue of safety in Dutch water management. Second, the committee succeeded to a large extent in getting the media, the public and politics to accept its frame and framing of the problems, causes, moral judgments and suggested remedies. Third, the committee has to a certain degree already succeeded in having its recommendations translated into policy programmes. It will be argued that framing strategies were key to the committee’s success and that the committee used various framing strategies to convince the Cabinet, citizens and others of the urgency and necessity of implementing adaptation measures. The most important framing strategies identified were adherence to the climate adaptation narrative, using the story of our delta identity, creating a sense of urgency and collectiveness, and creating a crisis narrative.
Klepková Vodová Pavla
Full Text Available The aim of this paper is to thoroughly evaluate the sensitivity of Czech commercial banks to a run on banks. Our sample includes a significant part of the Czech banking sector in the period 2006-2013. We use three liquidity ratios that we stress via a stress scenario simulating a run on banks accompanied by a 20% withdrawal rate of deposits.We measure the impact of the scenario by the relative changes of these ratios. The results show that, in spite of a decrease in liquidity, most Czech banks would be able to finance such a scenario. The financial crisis influenced bank sensitivity to a run, but with a significant time lag. The severity of the impact of the bank run increases with the size of the bank; large banks are the most vulnerable. The resilience of banks is also determined by their strategy for liquidity risk management.
Qin, Li; Baars, Maria AE; de Lange, Annet; Kessels, Roy PC; Olde Rikkert, Marcel GM
Background Our labor force is aging, but aged workers are not yet coached on how to stay cognitively fit for the job. Objective In this study, we tested whether a self-motivated, complex eHealth intervention could improve multiple health-related behaviors that are associated with cognitive aging among working Dutch adults. Methods This quasi-experimental prospective study with a pre-post design was conducted with employees of Dutch medium to large companies. All employees with Internet access, a good understanding of the Dutch language, and who provided digital informed consent were eligible to participate. In total, 2972 participants (2110/2972, 71.11% females) with a mean (standard deviation, SD) age of 51.8 (SD 12.9) years were recruited; 2305 became active users of the intervention, and 173 completed the 1-year follow-up. This self-motivated eHealth lifestyle intervention stimulates participants to set personally relevant, monthly health behavior change goals using Goal Attainment Scaling and to realize these goals by implementing behavior change techniques grounded in behavior change theory. The primary outcomes were the goal-setting success rate and the change in overall lifestyle score from baseline to the 1-year follow-up; the score was based on physical activity, diet, smoking, alcohol, sleep, and stress scores. The secondary outcomes were the changes in body weight, body mass index, specific lifestyle characteristics, and website usage. Results A total of 1212 participants set 2620 behavior change goals; 392 participants assessed 1089 (1089/2288, 47.59%) goals and successfully achieved 422 (422/1089, 38.75%) of these goals. Among the goal-setting participants in follow-up, this led to a +0.81-point improvement (95% CI 0.49-1.13, P<.001) in overall lifestyle (d=0.32) and weight loss of 0.62 kg (95% CI −1.16 to −0.07, P=.03). These participants also showed significant improvement in 8 out of 11 specific lifestyle components. Conclusions Among an adult
Noordhuizen, J P T M; van Egmond, M J; Jorritsma, R; Hogeveen, H; van Werven, T; Vos, P L A M; Lievaart, J J
Dairy farms are tending to become larger, with a milk quota of more than 8 tons a year, and are managed by entrepreneurial dairy farmers with their own specific characteristics and farming style. Some Dutch veterinary practices appear unable to respond to this different style and often do not serve such farms or lose them as client. Moreover, the veterinary curriculum often focuses on traditional, family-run, smaller dairy operations and not on larger farms, which raises the question whether newly qualified veterinary practitioners are adequately trained to provide these entrepreneurial farmers with the services they require. This article addresses the characteristics of entrepreneurial dairy farmers and those of cattle practitioners, to determine whether cattle practitioners need to acquire other skills to better prepare them for their coaching-consultant tasks on larger dairy farms.
Full Text Available The reshaping processes of the banking systems in the countries of this region that involved the reorganization and restructuring of insolvent banks as well as the privatization of the state banks were aimed at setting up a framework within which banks would operate according to the modern market principles. With the opening of the banking market to foreign capital, the foreign banks have gained access to the banking market and have over a ten-year period significantly increased their market share. Due to the existing barriers to entry into the market, foreign-owned banks tended to use the strategy of buying shares in already-established banks rather than starting up a new bank. Comparisons between concentration indicators showed that there are differences among countries and mostly these differences result from the differences in the size of the banking systems and the size of national economies. Still, the values of quantitative indicators of concentration in countries with larger banking systems are lower than in countries with fewer banks.
Discusses the advantages and disadvantages of using item banks while providing useful information to those who are considering implementing an item banking project in their school district. The primary advantage of item banking is in test development. Also describes start-up activities in implementing item banking. (SLD)
Full Text Available Re-Minding the DutchVerward van Geest is commended because of its careful, balanced, detailed, meticulously researched, and comprehensive approach of the development of the psychiatric profession in the Netherlands. The authors relate Dutch developments to initiatives abroad, some of which were taken up by Dutch psychiatrists and developed further. The development of the extensive network of out-patient mental health facilities in particular, which makes the Dutch system stand apart from that of most others, receives a lot of attention. Unfortunately, the history of psychiatry in the former Dutch colonial empire is not covered. The study is applauded for providing a wealth of material that could give a new impulse to discussions about the nature of mental health in the Netherlands, such as the following: How are supply and demand in mental health care related to each other? Do individuals with a lower socio-economic status have adequate access to care? How did the relationship between biological, social, and psychological approaches to mental illness and individual distress change over time?
Bakker, R.H.C.; Groenewegen, P.P.; Jabaaij, L.; Meijer, W.; Sixma, H.; Veer, A. de
OBJECTIVE: to determine the effect of workload on 'burnout' having considered work capacity. DESIGN: cross-sectional study. SETTING: Dutch community midwives in independent practice. PARTICIPANTS: 200 Dutch community midwives. MEASUREMENTS: three-week diary recordings, a questionnaire on practice
Логвинова, М. В.; Хоменкова, Д. Д.
The prohibition of interest is the feature of Islamic banking which most distinctly sets it apart from conventional banking. To Western eyes, this seems a strange restriction, but Christian countries themselves maintained such a ban for 1,400 years. Islamic Banking asks why Islam has been able to maintain its stand. The book explores the intricacies of Islamic law and the religious and ethical principles underpinning Islamic banking. It then considers the analytical basis of Islamic banking a...
Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.
Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.
Full Text Available Amidst substantial political and economic change, the central banks of Latin America have outgrown their formative phase, reflecting in their development the pervasive effects of internal and external influence. Their contribution to the changing pattern of the economies has been reflected in the promotion of new ways and instruments of financing, the support of new types of financial institutions in public and private fields, and the assumption of intermediary roles between the government and the financial community at home, and between these and foreign and international institutions. The present work provides a general analysis of these developments in Latin American banking. The author first considers the impact of change on the financial structure before looking at the place and role of central banks. The development of monetary instruments and the framework of monetary policy are then analysed. Finally, the changing scope of the financial system is examined.JEL: G21, G28
The assessment of Eastern Georges Bank cod with the assumption of a constant natural mortality of 0.2 has over-estimated stock productivity, resulting in a severe retrospective pattern since the late 2000s. Comparing relative exploitation rate (ratio of fishery catch at age to survey abundance indices at age) with total mortality calculated from the age distribution in surveys indicated a conflict when constant natural mortality was assumed. This inconsistency implies an increase in natural mortality since the mid-1990s. In this paper, natural mortality estimated by Virtual Population Analysis (VPA) indicated that natural mortality for this stock has increased to 0.8 since the mid-1990s for ages 6+. Potential factors contributing to this elevated natural mortality, including poor fish conditions and increased losses due to seal predation were discussed.
S. A. Мyakushko
Full Text Available This article presents the results of research on changes in the spatial structure of a population of bank vole (Myodes glareolus Schreber, 1780 in the context of a study of multiannual dynamics of population density. The field research took place in Kaniv Nature Reserve, Cherkassy region, Ukraine, in May – June 2009–2012. In forest biotopes of the reserve the dominant mammal species is the bank vole The period of research spanned four consecutive phases of long-term dynamics of density of population of this species, and also of the rodent community in general (growth – peak – decline – depression. The trapping of the animals was carried out by means of the traditional method of study plots. Parameters of spatial distribution of individuals – aggregation coefficient (K and density of individuals within concentrations (m – make it possible to gain an adequate impression of the structure of populations on the basis of data on distribution of individuals within the study plots. It has been established that the spatial structure of populations of rodents naturally changes in the course of multiannual dynamics of the population. During alternation of separate phases reorganizations of the spatial distribution of bank vole populations consisted of changes in the quantity and size of concentrations, and also the density of their placement. A scheme of changes in spatial structure in conditions of cyclic fluctuations of density is presented. Absence of concentration during the depression phase of dynamics is defined by the insignificant number of consumers of environmental resources, which causes a surplus and availability of these resources and is indicated also by the fact that compact distribution of animals interferes with successful realization of reproductive potential. Intensive reproduction and rapid rate of increase in a population, which are characteristic of a growth phase, cause formation and growth of separate concentrations
Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid
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.
Guida, Vincent G.; Valentine, Page C.; Gallea, Leslie B.
Georges Bank is a large, shallow feature separating the Gulf of Maine from the Atlantic Ocean. Previous studies demonstrated a strong tidal-mixing front during the warm season on the northern bank margin between thermally stratified water in the Gulf of Maine and mixed water on the bank. Tides transport warm water off the bank during flood tide and cool gulf water onto the bank during ebb tide. During 10 days in August 2009, we mapped frontal temperatures in five study areas along ∼100 km of the bank margin. The seabed “frontal zone”, where temperature changed with frontal movment, experienced semidiurnal temperature maxima and minima. The tidal excursion of the frontal boundary between stratified and mixed water ranged 6 to 10 km. This “frontal boundary zone” was narrower than the frontal zone. Along transects perpendicular to the bank margin, seabed temperature change at individual sites ranged from 7.0°C in the frontal zone to 0.0°C in mixed bank water. At time series in frontal zone stations, changes during tidal cycles ranged from 1.2 to 6.1°C. The greatest rate of change (−2.48°C hr−1) occurred at mid-ebb. Geographic plots of seabed temperature change allowed the mapping of up to 8 subareas in each study area. The magnitude of temperature change in a subarea depended on its location in the frontal zone. Frontal movement had the greatest effect on seabed temperature in the 40 to 80 m depth interval. Subareas experiencing maximum temperature change in the frontal zone were not in the frontal boundary zone, but rather several km gulfward (off-bank) of the frontal boundary zone. These results provide a new ecological framework for examining the effect of tidally-driven temperature variability on the distribution, food resources, and reproductive success of benthic invertebrate and demersal fish species living in tidal front habitats. PMID:23405129
Briët, Martijn C; Berger, Thomas H D; van Ballegooijen, Marjolein
To analyze the impact of the 1995 revision of the Dutch cervical screening program guidelines (e.g., the introduction of more stringent criteria for cytologic diagnosis of atypical squamous cells of undetermined significance [ASCUS]) on the negative side effects of screening in Region West....
Looise, Jan C.; Drucker, Michiel
This article assesses the current position of Dutch works councils within their organizations and within the broader system of Dutch industrial relations. The authors use data from a recently conducted national survey on works councils to establish the impact that societal and organizational
Bonner, Clemens; Eijffinger, Sylvester C. W.
We analyze the impact of a requirement similar to the Basel III Liquidity Coverage Ratio on the bank intermediation applying Regression Discontinuity Designs. Using a unique dataset on Dutch banks, we show that a liquidity requirement causes long-term borrowing and lending rates as well as demand
Harting, Janneke; Kunst, Anton E; Kwan, Albert; Stronks, Karien
Urban social entrepreneurs have been suggested to play an essential part in the success of local health promotion initiatives. Up to now, roles like these have only been identified in retrospect. This prospective collaborative study explored the possibilities of institutionalizing a comparable role for a 'health broker' in four Dutch municipalities as an additional investment to promote health in deprived neighbourhoods. The theoretical notions of public and policy entrepreneurs as well as of boundary spanners were adopted as a reference framework. Documents produced by the collaborative project served as input for a qualitative analysis of the developments. We succeeded in implementing a 'health broker' role comparable to that of a bureaucratic public entrepreneur holding a formal non-leadership position. The role was empowered by sharing it among multiple professionals. Although positioned within one sector, the occupants of the new role felt more entitled to cross sectoral borders and to connect to local residents, compared to other within-sector functions. The 'health broker' role had the potential to operate as an 'anchoring point' for the municipal health sector (policy), public health services (practice) and/or the local residents (public). It was also possible to specify potential 'broking points', i.e. opportunities for health promotion agenda setting and opportunities to improve cross-sectoral collaboration, citizen participation and political and administrative support for health promotion efforts. The 'health broker' role we developed and implemented reflects the notion of systematic rather than individual entrepreneurship. Such a collective entrepreneurship may create additional opportunities to gradually strengthen local health promotion efforts.
Mikail O Oliveira
Full Text Available Land-use change and global warming are important factors driving bee decline, but it is largely unknown whether these drivers have resulted in changes in the life-history traits of bees. Recent studies have shown a stronger population decline of large- than small-bodied bee species, suggesting there may have been selective pressure on large, but not on small species to become smaller. Here we test this hypothesis by analyzing trends in bee body size of 18 Dutch species over a 147-year period using specimens from entomological collections. Large-bodied female bees shrank significantly faster than small-bodied female bees (6.5% and 0.5% respectively between 1900 and 2010. Changes in temperature during the flight period of bees did not influence the size-dependent shrinkage of female bees. Male bees did not shrink significantly over the same time period. Our results could imply that under conditions of declining habitat quantity and quality it is advantageous for individuals to be smaller. The size and sex-dependent responses of bees point towards an evolutionary response but genetic studies are required to confirm this. The declining body size of the large bee species that currently dominate flower visitation of both wild plants and insect-pollinated crops may have negative consequences for pollination service delivery.
Vink, M.J.; Boezeman, D.; Dewulf, A.; Termeer, C.J.A.M.
Water management and particularly flood defence have a long history of collective action in low-lying countries like the Netherlands. The uncertain but potentially severe impacts of the recent climate change issue (e.g. sea level rise, extreme river discharges, salinisation) amplify the wicked and
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Foreign bank holding companies. 225.124 Section... SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.124 Foreign bank holding companies. (a) Effective December 1, 1971, the...
Samson, Gerlinda Sabrina
This thesis focuses on analysing the Dutch dairy farmer behaviour in a changing political environment. The general objective of this research is to analyse the responses of Dutch dairy farmers in the situation of a changing agricultural and environmental policy context (i.e. changes in the subsidy
Hetzner, Stefanie; Gartmeier, Martin; Heid, Helmut; Gruber, Hans
Purpose: The purpose of this paper is to analyse employees' perception of a change at their workplaces and the requirements for learning, and factors supporting or inhibiting learning in the context of this change. Design/methodology/approach: Data collection included personal face-to-face semi-structured interviews with ten client advisors in the…
Bryan J. Noeth; Rajdeep Sengupta
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.
Safak, Ilgar; List, Jeffrey; Warner, John C.; Kumar, Nirnimesh
Long-term decadal-scale shoreline change is an important parameter for quantifying the stability of coastal systems. The decadal-scale coastal change is controlled by processes that occur on short time scales (such as storms) and long-term processes (such as prevailing waves). The ability to predict decadal-scale shoreline change is not well established and the fundamental physical processes controlling this change are not well understood. Here we investigate the processes that create large-scale long-term shoreline change along the Outer Banks of North Carolina, an uninterrupted 60 km stretch of coastline, using both observations and a numerical modeling approach. Shoreline positions for a 24-yr period were derived from aerial photographs of the Outer Banks. Analysis of the shoreline position data showed that, although variable, the shoreline eroded an average of 1.5 m/yr throughout this period. The modeling approach uses a three-dimensional hydrodynamics-based numerical model coupled to a spectral wave model and simulates the full 24-yr time period on a spatial grid running on a short (second scale) time-step to compute the sediment transport patterns. The observations and the model results show similar magnitudes (O(105 m3/yr)) and patterns of alongshore sediment fluxes. Both the observed and the modeled alongshore sediment transport rates have more rapid changes at the north of our section due to continuously curving coastline, and possible effects of alongshore variations in shelf bathymetry. The southern section with a relatively uniform orientation, on the other hand, has less rapid transport rate changes. Alongshore gradients of the modeled sediment fluxes are translated into shoreline change rates that have agreement in some locations but vary in others. Differences between observations and model results are potentially influenced by geologic framework processes not included in the model. Both the observations and the model results show higher rates of
N. G. Ivlieva
Full Text Available The results of the carried out researches directed on studying of regional manifestations of the climate changing in the zone of the broad-leaved woods of the Volga river right-bank at the end of the XX century according to meteorological observations and monthly values of a vegetation index (NDVI are described in the article.
Veul, Romy; van Charldorp, T.C.|info:eu-repo/dai/nl/298815532; Soudijn, Melvin
In this paper we analyze how Dutch Public Prosecution’s press releases about money laundering and underground banking are received by producers and consumers of online news reports. First we take a closer look at how journalists (re)framed six official press releases in 75 news reports. It turns out
Van Dijk, Jerry; Van Der Vliet, Roland E.; De Jong, Harm; Zeylmans Van Emmichoven, Maarten J.; Van Hardeveld, Henk A.; Dekker, Stefan C.; Wassen, Martin J.
Context: Climate change can directly affect habitats within ecological networks, but may also have indirect effects on network quality by inducing land use change. The relative impact of indirect effects of climate change on the quality of ecological networks currently remains largely unknown.
Adenike Anthonia Adeniji
Full Text Available The objective of this paper was to study the relationship between human resource management interventionist strategies and organizational change; and flexibility that can make employees more adaptive and receptive to changes. Out of one hundred and sixty copies of questionnaire administered, one hundred and twenty three (123 were collected and analyzed. Structural Equation Modelling (SEM, a hypothesized relationship was tested using Amos 18 that allows test of complex relationships between variables. Our model shows that relationship exists among human resource management interventionist strategies and was consistent with organizational change in the studied industry. However, the study can be extended to other industries, for example manufacturing industry as well as industry within the merger and acquisition of companies.
Musa A. Olasupo
Full Text Available The Nigerian Microfinance sub-sector is yet to attain the desired level of global best practice. This paper thus investigated the performance and productivity changes of MFBs in South-West Nigeria, from 2006 to 2010, having had the Microfinance Policy launched in 200. From the use of relevant accounting ratios, the study revealed that only 16% of the sampled MFBs met the recommended maximum PAR value of 5% in 200. It was also revealed that 31% of the sampled MFBs reported a debt/equity ratio above the recommended value of 2 in 2006, while 32% had gearing of over 2 in 2010. The Malmquist productivity index revealed that the MFBs experienced fluctuating performances in their productivity changes, with pure technical efficiency improvements in 2007 and 2009. Overall, the performance and productivity changes experienced by the MFBs depicted a sub-sector with huge potentials and hence require nurturing to achieve its goals.
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.
Marcin Roman Czubala
Full Text Available The European Central Bank (ECB has received a lot of criticism for its too little, too late performance to ease market pressures during the economic crisis. At the same time, the ECB and the Federal Reserve (FED have managed the new economic realities that have emerged in the international context differently. Despite the criticisms, the European Central Bank is the European Union institution that has assumed more control due to the new model of economic governance of the EU. Why did the Federal Reserve act so nimbly and quickly to calm the markets, while the ECB was so cautious in managing monetary policy? The aim of this paper is to perform a comparative analysis of the management of interest rates and other monetary policy measures undertaken by the Central Bank and the Federal Reserve during the economic crisis, as well as to understand the changes in the context of the ECB and the emergence of its authority within the European Union’s economic governance model since 2011. Thus, in order to carry out a scrupulous exposition, we will also limit the time frame of this study to the 2007-2014 period.
Full Text Available In this paper, the way topographic spatial information changes with resolution was investigated using semi-variograms and an Independent Structures Model (ISM to identify the mechanisms involved in changes of topographic parameters as resolution becomes coarser or finer. A typical Loess Hilly area in the Loess Plateau of China was taken as the study area. DEMs with resolutions of 2.5 m and 25 m were derived from topographic maps with map scales of 1:10,000 using ANUDEM software. The ISM, in which the semi-variogram was modeled as the sum of component semi-variograms, was used to model the measured semi-variogram of the elevation surface. Components were modeled using an analytic ISM model and corresponding landscape components identified using Kriging and filter bank analyses. The change in the spatial components as resolution became coarser was investigated by modeling upscaling as a low pass linear filter and applying a general result to obtain an analytic model for the scaling process in terms of semi-variance. This investigation demonstrated how topographic structures could be effectively characterised over varying scales using the ISM model for the semi-variogram. The loss of information in the short range components with resolution is a major driver for the observed change in derived topographic parameters such as slope. This paper has helped to quantify how information is distributed among scale components and how it is lost in natural terrain surfaces as resolution becomes coarser. It is a basis for further applications in the field of geomorphometry.
Peat is formed in wet and acidic conditions, where net primary production exceeds the decomposition of organic matter. Peatlands cover a small part of the earth surface but hold vast amounts of carbon. Land use change and climate change can turn this large carbon sink into a carbon source, thereby
van den Berg, Maya Marieke
The local government level is considered to be crucial in preparing society for climate change impact. Yet little is known about why local authorities do or do not take action to adapt their community for climate change impacts. In order to implement effective adaptation policy, the motivations for
Nooyens, Astrid C J; Visscher, Tommy L S; Schuit, A Jantine; van Rossum, Caroline T M; Verschuren, W M Monique; van Mechelen, Willem; Seidell, Jacob C
OBJECTIVE: To study changes in lifestyle in relation to changes in body weight and waist circumference associated with occupational retirement in men. DESIGN: A prospective cohort study with 5 years of follow-up. At baseline and at follow-up, questionnaires were completed and body weight and waist
Background Schools can be an important setting for the prevention of overweight. This nation-wide survey investigated changes in the obesogenity of the school environment, the awareness of schools regarding overweight, school health policy, and actions taken by schools to prevent overweight. Methods In 2006/2007 and 2010/2011, questionnaires were sent to all Dutch secondary schools, (n = 1250 and n = 1145, response rate 44% and 33% respectively, repeated data for 187 schools). Results The percentage of schools with vending machines for soft drinks (~90%) and sweets (~80%) remained fairly stable, whereas slightly more schools indicated to have a canteen (87%-91%). The food supply was reported to be healthier in 2010/2011 compared to 2006/2007. Canteens and/or vending machines offered more often fresh fruits (+8%), sandwiches (+11%), water (+11%) and salad (+7%) and less often sugar sweetened soft drinks (−10%). However, unfavorable changes such as an increase in the supply of pizza slices (+13%) and milk and yoghurt drinks with added sugar (+12%) were also reported. Between 2006/2007 and 2010/2011, the presence of water coolers increased (12% versus 33%) as well as facilities for physical activity (67% versus 77%). However, more schools had vending places of unhealthy foods in the vicinity (73% versus 85%). Compared to 2006/2007, a higher percentage of schools indicated that they have taken actions to stimulate healthy eating behavior (72% versus 80%) or to prevent overweight (34% versus 52%) in 2010/2011. Less schools indicated that they expect to pay more attention to overweight prevention in the near future (56% versus 43%), but none of them expected to pay less attention. Conclusions Several aspects of the school environment changed in a positive way. However, schools should be encouraged to contribute to the prevention of overweight, or to continue to do so. PMID:23870483
van den Berg, Saskia W; Mikolajczak, Jochen; Bemelmans, Wanda J E
Schools can be an important setting for the prevention of overweight. This nation-wide survey investigated changes in the obesogenity of the school environment, the awareness of schools regarding overweight, school health policy, and actions taken by schools to prevent overweight. In 2006/2007 and 2010/2011, questionnaires were sent to all Dutch secondary schools, (n = 1250 and n = 1145, response rate 44% and 33% respectively, repeated data for 187 schools). The percentage of schools with vending machines for soft drinks (~90%) and sweets (~80%) remained fairly stable, whereas slightly more schools indicated to have a canteen (87%-91%). The food supply was reported to be healthier in 2010/2011 compared to 2006/2007. Canteens and/or vending machines offered more often fresh fruits (+8%), sandwiches (+11%), water (+11%) and salad (+7%) and less often sugar sweetened soft drinks (-10%). However, unfavorable changes such as an increase in the supply of pizza slices (+13%) and milk and yoghurt drinks with added sugar (+12%) were also reported. Between 2006/2007 and 2010/2011, the presence of water coolers increased (12% versus 33%) as well as facilities for physical activity (67% versus 77%). However, more schools had vending places of unhealthy foods in the vicinity (73% versus 85%). Compared to 2006/2007, a higher percentage of schools indicated that they have taken actions to stimulate healthy eating behavior (72% versus 80%) or to prevent overweight (34% versus 52%) in 2010/2011. Less schools indicated that they expect to pay more attention to overweight prevention in the near future (56% versus 43%), but none of them expected to pay less attention. Several aspects of the school environment changed in a positive way. However, schools should be encouraged to contribute to the prevention of overweight, or to continue to do so.
Hegger, D.L.T.; Zeijl-Rozema, A. van; Dieperink, C.
In several Western European countries, scientists, policymakers and other actors collaborate in regional climate change adaptation projects. Such joint knowledge production is often assumed to lead to reconciliation of supply and demand for knowledge. Many conceptual analyses of joint knowledge
Drs Jos Pieterse
This doctoral thesis describes three case studies of service engineers participating in organizational change, interacting with managers and consultants. The study investigates the role of differences in professional discourse and culture when these three professional groups interact in
Powell, Eric N.; Kuykendall, Kelsey M.; Moreno, Paula
A comprehensive dataset for the Georges Bank region is used to directly compare the distribution of the death assemblage and the living community at large spatial scales and to assess the application of the death assemblage in tracking changes in species' distributional pattern as a consequence of climate change. Focus is placed on the biomass-dominant clam species of the northwest Atlantic continental shelf: the surfclam Spisula solidissima and the ocean quahog Arctica islandica, for which extensive datasets exist on the distributions of the living population and the death assemblage. For both surfclams and ocean quahogs, the distribution of dead shells, in the main, tracked the distribution of live animals relatively closely. Thus, for both species, the presence of dead shells was a positive indicator of present, recent, or past occupation by live animals. Shell dispersion within habitat was greater for surfclams than for ocean quahogs either due to spatial time averaging, animals not living in all habitable areas all of the time, or parautochthonous redistribution of shell. The regional distribution of dead shell differed from the distribution of live animals, for both species, in a systematic way indicative of range shifts due to climate change. In each case the differential distribution was consistent with warming of the northwest Atlantic. Present-day overlap of live surfclams with live ocean quahogs was consistent with the expectation that the surfclam's range is shifting into deeper water in response to the recent warming trend. The presence of locations devoid of dead shells where live surfclams nevertheless were collected measures the recentness of this event. The presence of dead ocean quahog shells at shallower depths than live ocean quahogs offers good evidence that a range shift has occurred in the past, but prior to the initiation of routine surveys in 1980. Possibly, this range shift tracks initial colonization at the end of the Little Ice Age.
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...
Schrieken, N.; Gittenberger, A.; Coolen, J.W.P.; Lengkeek, W.
As most of the sea bottom in the Dutch part of the North Sea consists of sand, marine fauna that live in association with hard substrates are rarely monitored. We report here on the results of a species inventory in June 2011 done by scuba-diving while focusing on a wreck on the Dogger Bank and on
Schrieken, N.; Gittenberger, A.; Coolen, J.W.P.; Lengkeek, W.
As most of the sea bottom in the Dutch part of the North Sea consists of sand, marine fauna that live in association with hard substrates are rarely monitored. We report here on the results of a species inventory in June 2011 done by scuba-diving while focusing on a wreck on the Dogger Bank and on
Jongeneel, R.A.; Polman, N.B.P.; Slangen, L.H.G.
Although the family farm remains the dominant organisational form for farms there are changes in the legal mode of organisation. Applying the new institutional economics and economic organisation theory the different organisation modes are explained, mainly in terms of control and income rights.
Oudendag, D.A.; Szlávik, Z.; Veen, van der H.B.
This paper investigates the use of several machine learning techniques in order to predict dairy farm size change in the Netherlands. The work presented is part of a larger effort to improve an agricultural model, called the Financial Economic Simulation (FES) model. The FES model simulates midterm
Sterk, Ankie; Schets, Franciska M; de Roda Husman, Ana Maria; de Nijs, Ton; Schijven, Jack F
Currently, the number of reported cases of recreational- water-related Vibrio illness in the Netherlands is low. However, a notable higher incidence of Vibrio infections has been observed in warm summers. In the future, such warm summers are expected to occur more often, resulting in enhanced water temperatures favoring Vibrio growth. Quantitative information on the increase in concentration of Vibrio spp. in recreational water under climate change scenarios is lacking. In this study, data on occurrence of Vibrio spp. at six different bathing sites in the Netherlands (2009-2012) were used to derive an empirical formula to predict the Vibrio concentration as a function of temperature, salinity, and pH. This formula was used to predict the effects of increased temperatures in climate change scenarios on Vibrio concentrations. For Vibrio parahaemolyticus, changes in illness risks associated with the changed concentrations were calculated as well. For an average temperature increase of 3.7 °C, these illness risks were calculated to be two to three times higher than in the current situation. Current illness risks were, varying per location, on average between 10(-4) and 10(-2) per person for an entire summer. In situations where water temperatures reached maximum values, illness risks are estimated to be up to 10(-2) and 10(-1) . If such extreme situations occur more often during future summers, increased numbers of ill bathers or bathing-water-related illness outbreaks may be expected. © 2015 Society for Risk Analysis.
van Poppel, F.W.A.; Reher, D.S.; Sanz-Gimeno, A.; Sanchez-Dominguez, M.; Beekink, E.
BACKGROUND According to classic demographic transition theory, mortality change is the key factor that triggers a decline in fertility. Research on this topic has mostly relied on aggregate or time series data. Since fertility is based on the joint decisions of couples when confronted with specific
Riedijk, S.; Duivenvoorden, H.; Rosso, S.; Swieten, J Van; Niermeijer, M.F.; Tibben, A.
BACKGROUND/AIMS: The current study examined the change of caregiver burden and the development of the quality of the partner relation in frontotemporal dementia (FTD). METHODS: During a 2-year period, deterioration, behavioural problems, caregiver burden, general psychopathology, quality of life,
Verheijden, M.W.; Veen, van der J.E.; Bakx, J.C.; Akkermans, R.; Hoogen, van den H.J.M.; Staveren, van W.A.; Weel, van C.
Objective: To assess the effects of stage-matched nutrition counseling on stages of change and fat intake. Design: Controlled clinical trial. Setting: 9 family practices in a family medicine practice network. Participants: 143 patients at elevated cardiovascular risk, aged 40 to 70 years.
Gupta, J.; Termeer, C.J.A.M.; Brink, van den M.A.; Klostermann, J.E.M.
The climate is not the only aspect in this world that is changing. We notice a number of societal trends – a shift towards individual responsibility to receive rain water on private property and to encourage individuals to seek insurance rather than depend on a safety net to be provided by the
Muraleedharan, K. R.; Dinesh Kumar, P. K.; Prasanna Kumar, S.; Srijith, B.; John, Sebin; Naveen Kumar, K. R.
Alappuzha mud bank draws special attention among the twenty-mud bank locations reported along the Kerala coast by its remoteness from riverine sources. Among several hypotheses proposed for the formation of mud bank, the subterranean hypothesis was most accepted because of the occurrence of low salinity in the bottom layers. The present study provides evidence to show that occurrence of low salinity waters near the bottom in the mud bank region is an artifact of measuring technique employed for the measurement of salinity. The usual technique of conductivity based salinity determination completely fails in the presence of water laden with high amount of suspended sediment. Laboratory experiments were conducted to determine the response of electrode and conductivity cell sensor types to determine the salinity using a range of suspended sediment in the water column. Actual sediment samples from the mud bank region were utilized for the above studies. Based on field observations and experiments, we conclude that the low salinity was the manifestation of the presence highly turbid fluid mud formation in the mud bank region rather than the influence of fresh water.
van de Poll-Franse, L.; Mols, F.; Gundy, C.; Creutzberg, C.L.; Nout, R.A.; de Leeuw, I.M.; Taphoorn, M.J.; Aaronson, N.K.
Aim: The aim of the present study was to generate Dutch reference data for the EORTC QLQ-C30 and for five sexuality items from the EORTC QL-item bank. Furthermore, to evaluate the relative impact of self-reported health problems on these outcomes and compare the Dutch normative EORTC QLQ-C30 overall
Mostenets Alina V.
Full Text Available The article is aimed at studying the theoretical value of bank investment and the investment activities of bank, as well as improving the investment management of bank. The main task under this objective is to characterize the investment activities of bank and to consider in detail its credit and investment portfolio. An analysis of the credit and investment portfolio of 10 domestic banks of Ukraine was carried out. Structure of their credit and investment portfolio was studied in detail. A graphic of the credit and investment portfolio of banks, which were the most active in the investment activities as of 1 January 2015-2017, has been provided. Changes in the credit and investment portfolio that impact the performance of bank have been displayed.
Belmon, Laura S; Middelweerd, Anouk; Te Velde, Saskia J; Brug, Johannes
Interventions delivered through new device technology, including mobile phone apps, appear to be an effective method to reach young adults. Previous research indicates that self-efficacy and social support for physical activity and self-regulation behavior change techniques (BCT), such as goal setting, feedback, and self-monitoring, are important for promoting physical activity; however, little is known about evaluations by the target population of BCTs applied to physical activity apps and whether these preferences are associated with individual personality characteristics. This study aimed to explore young adults' opinions regarding BCTs (including self-regulation techniques) applied in mobile phone physical activity apps, and to examine associations between personality characteristics and ratings of BCTs applied in physical activity apps. We conducted a cross-sectional online survey among healthy 18 to 30-year-old adults (N=179). Data on participants' gender, age, height, weight, current education level, living situation, mobile phone use, personality traits, exercise self-efficacy, exercise self-identity, total physical activity level, and whether participants met Dutch physical activity guidelines were collected. Items for rating BCTs applied in physical activity apps were selected from a hierarchical taxonomy for BCTs, and were clustered into three BCT categories according to factor analysis: "goal setting and goal reviewing," "feedback and self-monitoring," and "social support and social comparison." Most participants were female (n=146), highly educated (n=169), physically active, and had high levels of self-efficacy. In general, we observed high ratings of BCTs aimed to increase "goal setting and goal reviewing" and "feedback and self-monitoring," but not for BCTs addressing "social support and social comparison." Only 3 (out of 16 tested) significant associations between personality characteristics and BCTs were observed: "agreeableness" was related to
Belmon, Laura S; te Velde, Saskia J; Brug, Johannes
Background Interventions delivered through new device technology, including mobile phone apps, appear to be an effective method to reach young adults. Previous research indicates that self-efficacy and social support for physical activity and self-regulation behavior change techniques (BCT), such as goal setting, feedback, and self-monitoring, are important for promoting physical activity; however, little is known about evaluations by the target population of BCTs applied to physical activity apps and whether these preferences are associated with individual personality characteristics. Objective This study aimed to explore young adults’ opinions regarding BCTs (including self-regulation techniques) applied in mobile phone physical activity apps, and to examine associations between personality characteristics and ratings of BCTs applied in physical activity apps. Methods We conducted a cross-sectional online survey among healthy 18 to 30-year-old adults (N=179). Data on participants’ gender, age, height, weight, current education level, living situation, mobile phone use, personality traits, exercise self-efficacy, exercise self-identity, total physical activity level, and whether participants met Dutch physical activity guidelines were collected. Items for rating BCTs applied in physical activity apps were selected from a hierarchical taxonomy for BCTs, and were clustered into three BCT categories according to factor analysis: “goal setting and goal reviewing,” “feedback and self-monitoring,” and “social support and social comparison.” Results Most participants were female (n=146), highly educated (n=169), physically active, and had high levels of self-efficacy. In general, we observed high ratings of BCTs aimed to increase “goal setting and goal reviewing” and “feedback and self-monitoring,” but not for BCTs addressing “social support and social comparison.” Only 3 (out of 16 tested) significant associations between personality
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.
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Bank holding company ownership of mortgage companies. 225.122 Section 225.122 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y...
Frans Van Poppel
Full Text Available BACKGROUND According to classic demographic transition theory, mortality change is the key factor that triggers a decline in fertility. Research on this topic has mostly relied on aggregate or time series data. Since fertility is based on the joint decisions of couples when confronted with specific fertility-childhood mortality outcomes, a focus on the experiences of individual couples is needed. Recently, Reher and Sanz-Gimeno used this approach to analyze individual longitudinal data for the Spanish town of Aranjuez. OBJECTIVE We investigate whether, in a country and in populations characterized by varying cultural and socioeconomic circumstances, family organization, and demographic regimes, the same mechanisms influenced the process of fertility decline as in Spain. METHODS The study uses micro longitudinal data from the Historical Sample of the Netherlands for a period stretching from the last quarter of the 19th century to the middle of the 20th century, and demographic measures identical to those used in the Spanish study to test whether the decline in fertility was triggered by the decline in mortality at the level of the family. As religious groups and social classes differed in their ability to correctly assess the implications of mortality levels, and in their willingness, readiness, and ability to react to these changes by adapting their reproductive behavior, we also compared the effect of mortality decline by the religion and the social class of the couples. RESULTS We observed that childhood survival had clear effects on reproduction, the chances of having another child, and the length of the intervals between births, which indicates that this variable was crucial for fertility decisions. This pattern was especially strong after 1900. There were rather consistent and expected differences in the reactions to the survival of children by social class and religious group. Whereas skilled workers were rather sensitive to the number of
Full Text Available There is a huge competition in the banking market. In that situation most important is good relation and satisfaction among possessing clients than still finding new ones. This activity is possible in segment of banking products for students. The paper presents aspects connected with research on the interest in bank products among students of Poznań University of Life Sciences. It describes not only expectations towards potential providers of services on retail financial services market but also main drawbacks and deficiency of offers from the customer’s point of view. Finally, the paper considers possi-bilities how to satisfy demands in the future and create more appropriate financial measures for the discussed sector. The paper is also a continuation of the research carried out in 2007 and devoted to the same issue.
den Hollander, Franciscus; Piersma, Kristien
Interview met Margriet Hidding, Birgit Lijmbach en Jeroen van Engen, medewerkers van het Talencentrum en de makers van de Massive Open Online Course (MOOC) Introduction to Dutch over het grote succes van deze cursus
Tulp, Ingrid; Veer, Van Der Henk W.; Walker, Paddy; Walraven, Van Lodewijk; Bolle, Loes J.
The Wadden Sea bordering the Dutch, German and Danish coast, is traditionally a region with important functions for many fish species: as a nursery area for juveniles (marine juveniles), as a feeding area, as a transit to and from fresh water, and resident species complete their whole life cycle
Munaretto, S.; Klostermann, J.E.M.
In this study we assess the adaptive capacity of relevant institutions for ecosystems and environmental management in two complex systems: the Dutch Wadden Sea and the Venice Lagoon. A new tool called the Adaptive Capacity Wheel (ACW) is used to diagnose strengths and weaknesses in the institutional
A close review of Aletta Jacobs's actions in the international birth control movement reveals that they have been exaggerated in most historiographical representations. Thus the unsubstantiated claim that the pessary known as 'Dutch cap' was named that way due to Aletta Jacobs's interventions on
van den Heerik, R.A.M.; van Hooijdonk, C.M.J.; Burgers, C.F.; Steen, G.J.
This article considers co-creation as a new persuasive strategy in health campaigns. Co-creation enables target audience members to become active campaign producers. A recent Dutch anti-smoking campaign applied co-creation, inviting the target audience to complete the slogan “smoking is sóóó . . . ”
van den Heerik, R.A.M.; van Hooijdonk, C.M.J.; Burgers, C.; Steen, G.J.
This article considers co-creation as a new persuasive strategy in health campaigns. Co-creation enables target audience members to become active campaign producers. A recent Dutch anti-smoking campaign applied co-creation, inviting the target audience to complete the slogan “smoking is sóóó . . . ”
Joke J. van de Kruk; Dr Harriët Jager-Wittenaar; Roos M.B. Nieweg; Dr. C.P. van der Schans
OBJECTIVES: To compare the dietary intakes of Dutch nutrition and dietetics students with the Dutch RDA and the Dutch National Food Consumption Survey (DNFCS), and to assess whether dietary intake changes during education. DESIGN: Cross-sectional and longitudinal research (2004-2010). SETTING:
Codispoti, L. A.
This book provides a rich feast for anyone who has a hunger to learn more about Georges Bank! Its 593 large pages provide articles on a wide variety of scientific and resource management topics. Many human interest features are also included. Among the latter are a photograph demonstrating the only proper way for a seagoing chemist to imbibe, and articles entitled, “My First Trip on Georges Bank,” and “‘Bait Up!’: Dory Fishing on Georges Bank.”Proving that every cloud has a silver lining, interest in producing this book was driven by the climate of controversy that surrounded Georges Bank in the latter 1970s and early 1980s. This was a time when exploratory wells were being driven to search for oil and when disputes between Canada and the United States about jurisdiction over the Bank were reaching their peak. As Backus notes in the Foreword, Woods Hole Oceanographic Institution, Woods Hole, Mass., set up a Coastal Research Center in 1979 when “the oil/fish dispute on Georges Bank was hot.” The direct costs of publishing this book were, in turn, supported by the Coastal Research Center.
Damek-Poprawa, Monika; Sawicka-Kapusta, Katarzyna
Bank voles were trapped in the neighborhood of the Sendzimir steelworks in Krakow and the ZGH Boleslaw zinc smelter in Bukowno. The Borecka forest in the north of Poland served as a control area. Lead, cadmium, zinc, and iron concentrations were analyzed in the liver, kidneys, testes, and femur bones of the bank voles. Typically, high levels of lead and cadmium were found in the bones and kidneys, respectively. In the femurs of the rodents from Bukowno, 109.26 microg g(-1) dry weight of lead was detected. The kidneys of these animals had accumulated 32.98 microg g(-1) cadmium. Concentrations of zinc and iron in the tissues were at physiological levels. No damage was found in the tissues of the bank voles from the Borecka forest or in the testes of animals from other areas. Histopathological changes in the kidneys of the rodents from Krakow as well as changes to the liver and kidneys of the animals from Bukowno were demonstrated.
Voutilainen, Liina; Savola, Sakeri; Kallio, Eva Riikka; Laakkonen, Juha; Vaheri, Antti; Vapalahti, Olli; Henttonen, Heikki
Intensive management of Fennoscandian forests has led to a mosaic of woodlands in different stages of maturity. The main rodent host of the zoonotic Puumala hantavirus (PUUV) is the bank vole (Myodes glareolus), a species that can be found in all woodlands and especially mature forests. We investigated the influence of forest age structure on PUUV infection dynamics in bank voles. Over four years, we trapped small mammals twice a year in a forest network of different succession stages in Northern Finland. Our study sites represented four forest age classes from young (4 to 30 years) to mature (over 100 years) forests. We show that PUUV-infected bank voles occurred commonly in all forest age classes, but peaked in mature forests. The probability of an individual bank vole to be PUUV infected was positively related to concurrent host population density. However, when population density was controlled for, a relatively higher infection rate was observed in voles trapped in younger forests. Furthermore, we found evidence of a "dilution effect" in that the infection probability was negatively associated with the simultaneous density of other small mammals during the breeding season. Our results suggest that younger forests created by intensive management can reduce hantaviral load in the environment, but PUUV is common in woodlands of all ages. As such, the Fennoscandian forest landscape represents a significant reservoir and source of hantaviral infection in humans.
Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.
Aslam, Aqib; Santoro, Emiliano
agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...
Marx, M.; Schuth, A.; Calzolari, N.; Choukri, K.; Maegaard, B.; Mariani, J.; Odijk, J.; Piperidis, S.; Rosner, M.; Tapias, D.
A corpus called DutchParl is created which aims to contain all digitally available parliamentary documents written in the Dutch language. The first version of DutchParl contains documents from the parliaments of The Netherlands, Flanders and Belgium. The corpus is divided along three dimensions: per
The Dutch School in Geneva organizes Dutch education for children in the primary and secondary school. For the school year 2011-2012 the Dutch School in Geneva is looking for qualified part time teachers Dutch for the primary and secondary school. If you are interested, please send your application and curriculum vitae in Dutch by email to the NTC coordinator, Mrs. Anne Saeys (email@example.com). More info : www.ntcgeneve.info De vereniging Nederlandse Taal en Cultuur De Taalfontein, kortweg NTC Genève, is een oudervereniging, die tot doel heeft de Nederlandse taal en de Nederlandse en Vlaamse cultuur in de regio Genève te stimuleren. Dit geschiedt d.m.v. het organiseren van Nederlandse les voor leerlingen zowel in het basisonderwijs als het voortgezet onderwijs. Voor het volgende schooljaar zoekt NTC parttime docenten (M/V) vanaf 2 uur per week, zowel voor het Primair Onderwijs als voor het Voortgezet Onderwijs, met name voor de IB-opleiding. Voor het Primair Onderwijs dienen ge&...
Tessema, Zewdu K; de Boer, Willem F; Prins, Herbert H T
The re-colonization or recovery of grass species after disappearance due to heavy grazing depends on the presence of persistent soil seed banks that might be accumulated over time from the aboveground vegetation. Moreover, successful plant recruitment is a function of seed production, seed germination and seedling survival, which can be mechanistically understood through studying the life cycle processes of grass species populations under field conditions. Therefore, we studied the number of germinable seeds, species richness and life-forms in the soil seed banks under light and heavy grazing conditions, and the changes in grass species populations in a semi-arid savanna of Ethiopia. Accordingly, a total of 103 species (15 perennial and 29 annual grasses, 6 legumes, 52 forbs and 1 woody species) emerged from the soil samples collected. Lightly grazed sites had a higher seed density compared with heavily grazed sites. The seed density increased over the first three months of soil sampling and decreased thereafter. Perennial grasses dominated the light grazing sites, whereas annual species dominated the heavily grazed sites, indicating that perennial grasses were replaced by annual species in the soil seed bank through grazing. The mean mortality rate from the seedling stage to adult plants was 65%. The seed-to-seedling stage was found to be the most critical transitional stage for grass survival. High seedling mortality in the aboveground vegetation and depletion of seeds in the soil seed banks as a result of sustained heavy grazing can lead to local extinction and disappearance of perennial grasses in semi-arid Ethiopian savannas. Copyright © 2016 Elsevier Ltd. All rights reserved.
Doroshenko Hanna O.
Full Text Available The article analyses the modern state of the banking sector of Ukraine, its sources and prospects. It identifies that the main obstacle for stable development is dissociation of banking segments, absence of functional unity and orientation at formation of optimal conditions for satisfaction of financial requirements of the domestic economy. In order to create the efficient banking system it is necessary to introduce new banking supervision standards oriented at specialisation of the banking activity. The banking market should be segmented and both major banks that form the nucleus of the segment and minor ones operating in their niches should co-operate within each segment. Universal banks that have a developed branch network should unite specialised segments. Moreover, it is necessary to introduce changes into the mechanism of application of some instruments of money and loan regulation with respect to specialised banks and introduce some restrictions upon spheres of activity of the foreign capital.
Full Text Available This paper presents a study to find the effects of human resource management on empowering employees in banking industry. The proposed study designs a questionnaire and distributes it among 243 randomly selected employees of the first Iranian private banks called Saman. There are four hypotheses in this survey. The first hypothesis investigates whether employment type influences customer satisfaction or not. The second hypothesis of the survey studies whether training as well as empowering employees could increase organizational commitment or not. The third hypothesis of the survey investigates whether there is a positive relationship between creating motivation as well as job security and profitability. Finally, the last hypothesis of this survey tries to find out whether there is a positive and meaningful relationship between leadership style and supplier satisfaction. The implementation of some statistical tests confirms all four hypotheses of the survey.
Muraleedharan, K.R.; DineshKumar, P.K.; B. Srijith; PrasannaKumar, S.; John, Sebin; NaveenKumar, K.R.
The characteristic of the mud bank is the suspension of sediment in the water column, with an increasing concentration towards bottom. As the measurement of salinity is based on the electrical conductivity of the medium, it is expected to be impacted... by the presence of suspended sediment in the medium. In order to decipher the impact of suspended sediment in the water column to the electrical conductivity measurements, we conducted 3 sets of experiments namely, concentration, filtration and desorption...
Fernández Cooke Elisa
Full Text Available Abstract Background Donor human milk banks are much more than simple centers for collection, storage, processing, and distribution of donor human milk, as they cover other aspects and represent a real opportunity to promote and support breastfeeding. The aim of our study is to assess the impact that opening a human milk bank has had on the proportion of infants receiving exclusive breast milk at discharge and other aspects related to feeding children with birth weight Methods The study included babies of Results Children born in 2008 commenced feeding 16 hours earlier than those born in 2006 (p = 0.00. The proportion of infants receiving exclusive breast milk at discharge was 54% in 2006 and 56% in 2008 (p = 0.87. The number of days they received their mother's own milk during the first 28 days of life was 24.2 days in 2006, compared to 23.7 days in 2008 (p = 0.70. In 2006, 60% of infants received infant formula at least once in the first 28 days of life, compared to 37% in 2008 (p = 0.01. Conclusions The opening of a donor human milk bank in a neonatal unit did not reduce the proportion of infants exclusively fed with breast milk at discharge, but did reduce the proportion of infants that received infant formula during the first four weeks of life. Also, having donor human milk available enables commencement of enteral feeding earlier.
To cope with globalisation and other changes in the industry, in the last 20 years the Dutch Ministry of Agriculture has reorganised its system for education, extension and research considerably. It moved away from the concept of a linear process of innovation to that of an agro-innovation system.
Colvin, Christopher L.; de Jong, Abe; Fliers, Philip T.
Why do some banks fail in financial crises while others survive? This article answers this question by analysing the effect of the Dutch financial crisis of the 1920s on 142 banks, of which 33 failed. We find that choices of balance sheet composition and product market strategy made in the lead-up
Manhoudt, A.G.E.; Visser, A.J.; Snoo, de G.R.
Plant species richness of ditch banks under different farming practices and management regimes was compared. To this end, species richness was inventoried on ditch banks on Dutch conventional and organic farms and on a number of experimental farms. Plant species richness was significantly higher on
Full Text Available Organizational structures are differing for different banks. They depend on individual bank economic situation, its technology, strategy and form of competition struggle. Usually the biggest EU banks are consists from formally or really independent divisions. The most common divisions are Retail Banking, Corporate Banking, Treasury and Investment, sometimes Insurance. PKO BP, the biggest Polish Bank, ought to change its structure due to implementation new IT system.
Full Text Available Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstances banking secrecy has become disruptive to the further development of both Swiss banking and banking in Switzerland and whether Swiss banking will come to an end in the future.
M.A. The evolution of the Internet has led to the establishment of various value-adding products and services such as Internet banking (IB). Internet banking has changed the formal banking landscape forever. Some may argue that Internet banking has positively affected the lives of many, through providing services in a more convenient, efficient and effective manner, 365 days a year. However, the growth of the Internet has lead to the increase of various Information Technology (IT) problems...
P. Daniševská (Petra); A. de Jong (Abe); M.J.C.M. Verbeek (Marno)
textabstractThis paper investigates three capital structure decisions – leverage, debt maturity and the source of debt – in a simultaneous setting. Moreover, we investigate whether these choices are influenced by the involvement of banks in a firm. Our results based on a panel of Dutch firms show
S.A. Roest (Sander A.); T.A. Visser (Tessa A.); R. Zeelenberg (René)
textabstractThis article provides norms for general taboo, personal taboo, insult, valence, and arousal for 672 Dutch words, including 202 taboo words. Norms were collected using a 7-point Likert scale and based on ratings by psychology students from the Erasmus University Rotterdam in The
Haffner, M.E.A.; de Vries, P.
This paper discusses house price developments in the Netherlands, specifically focussing on the question whether current house prices in the Dutch owner-occupied market are likely to decrease. We analyse three aspects of the question based on a literature review: (1) whether there is a house price
Publication of the exhibition and symposium on water adaptive urban planning and architecture in Bangkok. The Urban Fine Dutch Tradition is a dynamic tradition of making urban designs using the parameters of the natural system – incorperating in an efficient way the hydrological cycle, the soil and
van Gulik, Thomas M.; Nimura, Yuji
An isolation policy was adopted in feudal Japan from 1639 to 1853 owing to the fear of foreign influence. During those 200 years of isolation, all foreigners were withheld from the country with the exception of the Dutch, who were permitted to establish a trading post on a small island in the Bay of
Full Text Available We are witnesses of fast changes in banking environment in this country. Key to all the changes is the new concept of how to approach the bank's clients, whose objective is to increase sales of products and services making the sales one of the basic banking functions. Namely, the goal is the sale of high-quality banking product, keeping the current clients, attracting new clients and at the same time being competitive. In the new approach to clients, banks apply the concept of customer relationship management - CRM which supports effective selling processes by means of cross-selling.
Full Text Available Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking products and services. Banks all over the world have embraced innovative banking technologies and e-banking services in recent years. In this context, the paper aims to provide an overview of the electronic banking service highlighting various aspects of e-banking. Although e-banking offers many advantages both to corporate and individual clients, electronic banking is not without certain challenges and issues in terms of security and interest of customers.
Dietrich, J. Kimball; Wihlborg, Clas
We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... in the presence of temporarypayment difficulties of borrowers. Banks offering lenient (less strict) loan termsmust have higher initial levels of capital and charge higher loan rates. Whencapital requirements are increased, both strict and lenient banks hold higher levelsof initial capital and they raise loan...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...
UBS, CERN branch
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...
Varma, Vijaya Krushna Varma
Taxation, tax collection, tax enforcement, tax compliance, allocation of revenues to various ministries or departments and money supply into the economy are unified and integrated in the banking system. There will be no Direct and Indirect taxes, tax collection departments, tax tribunals and tax enforcement agencies. Citizens need not maintain separate account books and submit tax returns annually for paying either Direct taxes on personal incomes or Indirect taxes while running business or i...
Mar 1, 2013 ... retained their brand names and remain quoted in the Nigerian Stock Exchange since 1997. The profitability performance of these banks was measured in terms of returns on equity (ROE) and ... customers, bank management and shareholders with regard to electronic banking adoption for banking ...
Supramaniam, Mahadevan; Shanmugam, Bala
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…
Milenković Ivan; Milenković Dragana
Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstanc...
Mols, Niels Peter
Discusses two strategic distribution channel decisions facing banks, one regarding whether to target the Internet banking segment of customers versus the branch banking segment, and the other regarding the geographical area banks aim to serve. Future distribution channels, the change process, and local, national, and international strategies are…
Dutch Minister of Education, Culture and Science R. Plasterk (third from left) in the ATLAS cavern with NIKHEF Director F. Linde, CERN Chief Scientific Officer J. Engelen, Ambassador J. van Eenennaam, ATLAS Collaboration Spokesperson P. Jenni, Mission Representative G. Vrielink and ATLAS Magnet Project Leader H. ten Kate.Minister of Education, Culture and Science from the Kingdom of the Netherlands, Ronald Plasterk, visited CERN on 25th October. With Jos Engelen, CERN Scientific Director, as his guide he visited Point 1 of the LHC tunnel and ATLAS, where Nikhef (the national institute for subatomic physics, a Dutch government and university collaboration) constructed all 96 of the largest muon drift chambers in the barrel as well as parts of the magnet system, the inner detector, the DAQ and triggering. Overall the Netherlands contribute 4.5% to the annual CERN budget and the minister’s visit celebrated the contributions of the 79 ...
Bharadva, Ketan; Tiwari, Satish; Mishra, Sudhir; Mukhopadhyay, Kanya; Yadav, Balraj; Agarwal, R K; Kumar, Vishesh
WHO and UNICEF state that the use of human milk from other sources should be the first alternative when it is not possible for the mother to breastfeed. Human milk banks should be made available in appropriate situations. The IYCF Chapter is actively concerned about the compelling use of formula feeds in the infants because of the non availability of human breast milk banks. A National Consultative Meet for framing guidelines was summoned by the IYCF Chapter and the Ministry of Health and Family Welfare, Government of India on 30th June, 2013, with representations from various stakeholders. The guidelines were drafted after an extensive literature review and discussions. Though these guidelines are based on the experiences and guidelines from other countries, changes have been made to suit the Indian setup, culture and needs, without compromising scientific evidence. To ensure quality of donated breast milk as a safe end product. Human Milk Banking Association should be constituted, and human milk banks should be established across the country. National coordination mechanism should be developed with a secretariat and technical support to follow-up on action in States. Budgetary provisions should be made available for the activities.
Roest, Sander A; Visser, Tessa A; Zeelenberg, René
This article provides norms for general taboo, personal taboo, insult, valence, and arousal for 672 Dutch words, including 202 taboo words. Norms were collected using a 7-point Likert scale and based on ratings by psychology students from the Erasmus University Rotterdam in The Netherlands. The sample consisted of 87 psychology students (58 females, 29 males). We obtained high reliability based on split-half analyses. Our norms show high correlations with arousal and valence ratings collected by another Dutch word-norms study (Moors et al.,, Behavior Research Methods, 45, 169-177, 2013). Our results show that the previously found quadratic relation (i.e., U-shaped pattern) between valence and arousal also holds when only taboo words are considered. Additionally, words rated high on taboo tended to be rated low on valence, but some words related to sex rated high on both taboo and valence. Words that rated high on taboo rated high on insult, again with the exception of words related to sex many of which rated low on insult. Finally, words rated high on taboo and insult rated high on arousal. The Dutch Taboo Norms (DTN) database is a useful tool for researchers interested in the effects of taboo words on cognitive processing. The data associated with this paper can be accessed via the Open Science Framework ( https://osf.io/vk782/ ).
Full Text Available Since 2001, when a new cycle in the process of economic transition was vigorously launched in the country, the Serbian banking sector has incurred deep changes. This issue has acutely affected the banking sector in Serbia proper, directly influencing its performance and efficiency. This paper deals with the application of a new statistical approach – the I-distance method - in measuring the financial performance of banks that do business in Serbia in order to determine their productivity level, thus stressing the performance of banks from the perspective of productivity. Additionally, this point of view is essential for projecting productivity in evaluating overall bank operation efficiency.
... Brightest in Tissue Banking FIND AATB ACCREDITED TISSUE BANK INSTITUTIONS SEARCH STANDARDS FOR TISSUE BANKING ACCESS CERTIFIED TISSUE BANK SPECIALISTS (CTBS) MANAGE QDEW Workshop | Baltimore, MD Save ...
De Lange, G.; Rademaker, M.; Boks, Marco P M; Palmen, Saskia J M C
BACKGROUND: Human brain tissue is crucial to study the molecular and cellular basis of psychiatric disorders. However, the current availability of human brain tissue is inadequate. Therefore, the Netherlands Brain Bank initiated a program in which almost 4.000 participants of 15 large Dutch
de Lange, Geertje M.; Rademaker, Marleen; Boks, Marco P.; Palmen, Saskia J.M.C.
Background: Human brain tissue is crucial to study the molecular and cellular basis of psychiatric disorders. However, the current availability of human brain tissue is inadequate. Therefore, the Netherlands Brain Bank initiated a program in which almost 4.000 participants of 15 large Dutch
Horsager, K.; Baltussen, W.H.M.; Backus, G.B.C.
Financial banks in the Netherlands are developing customised derivatives for the agriculture industry to decrease the volatility of input or output prices. These derivatives can also be attractive for Dutch agriculture producers because a big part of the business risk in agriculture is caused by
Arens, P.; Coops, H.; Jansen, J.; Vosman, B.
The genetic structure of remaining black poplar (Populus nigra) trees on the banks of the Dutch Rhine branches was investigated using the AFLP technique. In total, 143 trees, including one P. deltoides and some P. x euramericana, were analysed using six AFLP primer combinations which generated 319
The growing acceptance of voluntary active euthanasia by the Dutch is examined in relation to the plastic cards requesting active euthanasia carried by many people in The Netherlands, public opinion polls, and support by leading medical figures of the movement to legalize euthanasia. The author draws upon his experience as a hospital doctor to condemn the practice of active euthanasia, arguing that its voluntariness is often counterfeit and always questionable, that it is inseparable from overtly involuntary forms of euthanasia, and that its promise of sparing the sick person agony is false. "Voluntary" euthanasia also brings an ominous change in society because of the message it sends to the elderly and sick, the weak and the dependent; because the fallibility of medical judgments are inconsistent with the irreversibility of the act; and because the fallacious reasoning of the philosophy threatens to cause irreparable damage to the medical profession.
van Esterik-Plasmeijer, P.; van Raaij, W.F.
Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights
Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo
We model the impact of bank mergers on loan competition, reserve holdings and aggregate liquidity. A merger changes the distribution of liquidity shocks and creates an internal money market, leading to financial cost efficiencies and more precise estimates of liquidity needs. The merged banks may increase their reserve holdings through an internalization effect or decrease them because of a diversification effect. The merger also affects loan market competition, which in turn modifies the dis...
Full Text Available Recently, the growth of information technology and increasing competition among banks has considerably affected attracting customers. Banking industry has made great changes to transform into the core banking. The present study aims to assess the effect of the implementation of core banking services on profitability. These services, as different branches of electronic banking, are consisting of internet banking, mobile banking, telephone banking, point of sale (POS, ATM, and electronic money which are all tested in the current study. In order to test research hypotheses and the existing relationship between variables, needed data has been collected and analyzed through the application of stepwise regression model. The achieved findings indicate a significant relationship between the application of internet banking and ATM and the variable of profitability, while there is no significant relationship between the application of telephone banking, mobile banking, POS, and electronic money and profitability.
Gerald P. Dwyer; R. W. Hafer
Are banks that fail in banking panics the riskiest ones prior to the panics? The free banking era in the United States provides useful data to examine this question because the assets held by the banks were traded at the New York Stock Exchange. The authors estimate the ex ante riskiness of a bank’s portfolio by examining the portfolio relative to mean-variance frontiers and by examining the bank's leverage and notes relative to assets. The authors find that the ex ante riskiness of a bank’s ...
Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.
This dissertation consists of three essays on relationship banking. The first chapter introduces the whole thesis. The second chapter studies how professional connections between firm and bank influence their banking relationships. Particularly, by focusing on the directors’ past employment with
Victor Mihăiţă Duţă
Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.
Constantin Marian MATEI
Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.
Research indicates that hospitals manage their earnings. However, these findings might be influenced by methodological issues. In this study, I exploit specific features of Dutch hospitals to study income smoothing while limiting these methodological issues. The managers of Dutch hospitals have the
van Leersum, N. J.; Snijders, H. S.; Henneman, D.; Kolfschoten, N. E.; Gooiker, G. A.; ten Berge, M. G.; Eddes, E. H.; Wouters, M. W. J. M.; Tollenaar, R. A. E. M.; Bemelman, W. A.; van Dam, R. M.; Elferink, M. A.; Karsten, Th M.; van Krieken, J. H. J. M.; Lemmens, V. E. P. P.; Rutten, H. J. T.; Manusama, E. R.; van de Velde, C. J. H.; Meijerink, W. J. H. J.; Wiggers, Th; van der Harst, E.; Dekker, J. W. T.; Boerma, D.
In 2009, the nationwide Dutch Surgical Colorectal Audit (DSCA) was initiated by the Association of Surgeons of the Netherlands (ASN) to monitor, evaluate and improve colorectal cancer care. The DSCA is currently widely used as a blueprint for the initiation of other audits, coordinated by the Dutch
Bos, Annelies M E; Klapwijk, Petra; Fauser, Bart C J M
To assess the general consensus on the cryopreservation of oocytes and the introduction of oocyte banking facilities in the Netherlands. Poll investigation A poll with the use of an online questionnaire was conducted among nearly 19,000 participants of the Dutch EenVandaag opinion panel in May 2011. The poll results were adjusted to the Dutch population based on data from the Dutch Central Office for Statistics for age, gender, education, marital status, geographical area and political preference (measured according to the lower house elections of 2010). The primary endpoints were the percentages of supporters of oocyte freezing for own future use and of the concept of introducing oocyte banking facilities in The Netherlands. The secondary endpoints were the demographic differences between supporters and opponents. Approximately half of 18.911 participants supported oocyte freezing (47%). Fifty-percent of all participants supported oocyte banking in the Netherlands. Supporters of oocyte freezing were mainly women ≤ 45 years of age, who are highly educated and have no children. Four percent of the participating women aged ≤ 45 years would seriously consider obtaining donor oocytes from an available oocyte banking facility. Twelve percent of the participating women ≤ 45 years of age said they would definitely donate their oocytes or would seriously consider donating. Thirty-seven percent of all participants were against the introduction of oocyte banking facilities. The most important arguments against oocyte freezing were that women should reproduce during normal reproductive years and that it was not medically necessary. Poll results showed much support for oocyte freezing and for the introduction of oocyte banking facilities in the Netherlands. In addition, the poll shows that oocyte banking facilities would fulfil a need in the population.
Haan, Marco; Riyanto, Yohanes; Toolsema, Linda A.
This paper is concerned with investigating the role of accounting practices in radical change processes. The institutional framework has been taken as a starting point in investigating these processes. The research has been carried out at the Dutch Railways. This company was forced by the Dutch
The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS
van den Heerik, Romy A M; van Hooijdonk, Charlotte M J; Burgers, Christian; Steen, Gerard J
This article considers co-creation as a new persuasive strategy in health campaigns. Co-creation enables target audience members to become active campaign producers. A recent Dutch anti-smoking campaign applied co-creation, inviting the target audience to complete the slogan "smoking is sóóó . . . " with something outdated on social networking sites (SNSs) like Facebook and Twitter to stress non-smoking as the new social norm. From a corpus-linguistic perspective, we investigated how the slogans from the target audience resonated with or deviated from the campaign's original message. In general, the target audience slogans followed the campaign's approach, but on the SNSs, differences were found regarding the valence, type of utterance, and domain to which smoking was compared. The target audience frequently compared smoking with other (inter)personal social norms. Co-creation thus provides the target audience with an opportunity to disseminate campaign messages from their own perspective, but at the same time a co-creation strategy risks diluting the intended campaign message.
MIRANDA PETRONELLA VLAD
Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have
... exceed 35 percent of the consolidated risk-weighted assets of the acquiring bank holding company. For... proposals by well-run bank holding companies. 225.23 Section 225.23 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK...
Full Text Available Banking industry worldwide has been transformed due to globalization, financial liberalization, technological developments, government policies, deregulation of financial services, financial crises and increase in mergers and acquisitions since 1980. With these changes, there is a trend towards decrease in the number of banks and increase in banking concentration. Increase in banking concentration might affect competition conditions in banking industry. The decrease in the number of banks and the increase in banking concentration dominate the Turkish banking industry after the banking crises in 2000 and 2001. This paper examines the relationship between concentration and competition in Turkish banking industry. I measure the size of banking concentration by concentration ratios and Herfindahl-Hirschman index with the data of commercial deposit banks in Turkey from 2000 to 2012. Competition degree is measured by using Panzar Rosse model. The results of the study suggest that there is no permanent relation between banking concentration and competition in Turkish banks.
... (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK... securities or assets of a company engaged in, any activity other than: (1) Banking or managing or controlling... to be so closely related to banking, or managing or controlling banks as to be a proper incident...
... GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y... holding company is engaged in “managing” four nonsubsidiary banks, for which services it receives... a bank holding company to engage in only three categories of business: (1) Banking; (2) managing or...
Berk, Jan Marc
Proponents of the so-called New Economy claim that it entails a structural change of the economy. Such a change, in turn, would require the central bank to rethink its monetary policy to the extent that traditional relationships between inf1ation and economic growth are no longer valid. But such a
... FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations... determined that the following activities are not so closely related to banking or managing or controlling...
Kabir Hassan, M; Unsal, Omer; Emre Tamer, Hikmet
In this study, we investigate changes in banks' capital adequacy ratio (CAR) under different stress scenarios and examine the results by comparing conventional banks to participation banks in Turkey...
Full Text Available This article aimed to verify the impact of changes in the net profit and their respective volatilities resulting from changes of the international standard of financial instruments, from IAS 39 to IFRS 9, in regard to aspects: (i the future change in the methodology of the impairment calculated e (ii the elimination of the category "available for sale" and their reclassification to the category "fair value through profit or loss". The study was based on simulations in profits expected to sixteen quarters, from 31/12/2010 to 31/12/2014, to the five largest financial institutions in Brazil. For such simulations it were projected interest rates that fluctuate according to the estimated model of the term structure of interest rates using the Monte Carlo method. According to the projected interest rates set new credit risk levels, which resulted changes in the impairment and fair value of financial assets previously classified as available for sale. The results showed an early impact in Q1, in view of their adaptation to the new standard. Subsequently, there was no significant change in the results and their respective volatilities.
N. Gordon, Jeffery; Ringe, Georg
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...
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’
Full Text Available This paper presents the results from a survey-based market research of Bulgarian households. The author of the study is trying to understand what changes of consumer behavior occur in times of economic crises in Bulgaria, do consumers change their buying patterns, how consumers attempt to avoid or diminish the negative results from economic crisis, etc. The research project is planned, organized and realized within the Scientific Research Program of The University of National and World Economy, Sofia, Bulgaria. This paper discusses only a part of the research results and analysis. The rest of the research results will be published in a separate paper.
Mansor H. Ibrahim
Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.
Hoeksema, B.W.; Land, van der J.; Meij, van der S.E.T.; Ofwegen, van L.P.; Reijnen, B.T.; Soest, van R.W.M.; Voogd, de N.J.
Botanical and zoological collections may serve as archives for historical ecological research on the effects of global change and human impact on coral reef biota. Museum collections may harbour old specimens of reef-dwelling species that have become locally extinct. Such collections also help to
... 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 the...
Charles D Brummitt
Full Text Available We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe, causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.
Brummitt, Charles D.; Sethi, Rajiv; Watts, Duncan J.
We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par) can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe), causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency. PMID:25136959
Full Text Available Recent turmoil in the global financial system has impacted severely on the banking sector with many banks suffering large losses and necessitating the need to raise additional capital privately or through their respective national governments. In our study we investigate the impact of structural reforms performed throughout the European Union (EU accession process on competition and contestability of banking systems in Romania. The literature of the measurement of competition can be divided into two major approaches: structural and non-structural. The structural approach to the assessment of competition embraces the Structure-Conduct-Performance Hypothesis (SCP and the Efficient Structure Hypothesis (ESH. The structural approach, as the name suggests, assesses bank competition by examining measures of market structure such as concentration ratios (the share of assets held by the top 3 or 5 institutions or indices (e.g., the Herfindhal-Hirschman index and supposes that higher concentration in the banking market causes less competitive bank conduct and leads to higher bank profitability. The SCP model is originally developed by Bain (1956. The second approach, ESH, developed by Demsetz (1973 and Peltzmann (1977 suggests that the superior performance of the market leaders determines the market structure, implying that higher efficiency produces both higher concentration and greater profitability. The non-structural indicators of competition are mainly based on the measures of monopoly power developed by Lerner (1934. The Lerner Index suggests the mark-up of price over marginal cost. An alternative non-structural indicator of the degree of market competition is the Panzar and Rosse (1987 H-statistic. The H-statistic measures the extent to which changes in banking costs are reflected in changes in banking revenues. In order to examine the level of competition and market power of banks in Romania for period 2003 - 2009, we estimate the non
This article attempts to present the broad outlines of technological change in Dutch cattle breeding and dairy farming over the last 150 years. After 1850, Dutch dairy farmers and cattle breeders profited from the rapidly increasing opportunities offered by expanding foreign markets. Herd book
Keuning, J.; Verhoeven, L.T.W.
The purpose of the present study was to explore Dutch spelling development throughout the elementary grades. Two issues were considered (a) dimensional structure over time, and (b) rate of change. Whether the rate of change differs depending on gender, ethnicity, or word reading skill was examined
For various reasons, Dutch waste policy has been dramatically changed in the last decade. Prevention of soil and groundwater pollution and a reduced occupation of the scarce space were important reasons for this change. An important effect of this policy is a reduction of the amount of organic
Lauwere, de C.C.
It is thought that agricultural entrepreneurs have an important role to play in Dutch agriculture. They are currently being confronted with drastic changes and it is open to question whether or not they are willing and able to deal with such changes. A telephone survey was carried out in order to
Elena Lidia MELNIC
Full Text Available The major concern of banks today is to recover and maintain customer trust. Customers need to feel that banks are considering their best interests. Customers are seeking for easy and personalized information. They want to better understand their financial situation and to control it. They want to know both the benefits, as well as the risks. Clients want to work with banks that are concerned about them and about their personal goals. However, only an attractive offer of banks is not the key to success today if is not supported by a superior service culture, that can make notable differentiation in the market. Many banks all over the world are systematically measuring how well they treat customers, identifying the factors shaping satisfaction, and changing operations and marketing as a result. Wise banks measure customer satisfaction regularly because it is one key to customer retention.
Grijzenhout, S.; Jijkoun, V.; Marx, M.
The question is addressed if opinion mining techniques can be successfully used to automatically retrieve political viewpoints in Dutch parliamentary publications. Two specific tasks are identified: automatically determining subjectivity in the publications and automatically determining the semantic
N. Weisglas-Kuperus (Nynke); S. Patandin (Svati); G.A. Berbers; T.C.J. Sas (Theo); P.J.J. Sauer (Pieter); H. Hooijkaas (Herbert); P.G.H. Mulder (Paul)
textabstractPrenatal exposure to polychlorinated biphenyls (PCBs) and dioxins is associated with changes in the T-cell lymphocyte population in healthy Dutch infants. We investigated whether these changes persist into later childhood and whether background exposure to
Jolanda Hessels; Nicolette Tiggeloove
As globalisation increases so does the attention paid to the internationalisation of Dutch SMEs. The appearance of new players on the European market and on the world market means on the one hand that Dutch SMEs are being confronted with greater foreign competition on their domestic market. On the other hand, the same circumstances also create more opportunities for SMEs on foreign markets. This is reflected in the increasingly active role played by SMEs on foreign markets.
Hu, Yi; Xiong, Chenglong; Zhang, Zhijie; Luo, Can; Cohen, Ted; Gao, Jie; Zhang, Lijuan; Jiang, Qingwu
We compared changes in the spatial clustering of schistosomiasis in Southwest China at the conclusion of and six years following the end of the World Bank Loan Project (WBLP), the control strategy of which was focused on the large-scale use of chemotherapy. Parasitological data were obtained through standardized surveys conducted in 1999-2001 and again in 2007-2008. Two alternate spatial cluster methods were used to identify spatial clusters of cases: Anselin's Local Moran's I test and Kulldorff's spatial scan statistic. Substantial reductions in the burden of schistosomiasis were found after the end of the WBLP, but the spatial extent of schistosomiasis was not reduced across the study area. Spatial clusters continued to occur in three regions: Chengdu Plain, Yangtze River Valley, and Lancang River Valley during the two periods, and regularly involved five counties. These findings suggest that despite impressive reductions in burden, the hilly and mountainous regions of Southwest China remain at risk of schistosome re-emergence. Our results help to highlight specific locations where integrated control programs can focus to speed the elimination of schistosomiasis in China.
Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks DOI:10.15408/aiq.v6i1.1371
Skowron, Lukasz; Kristensen, Kai
Purpose – The purpose of this paper is to ask two questions. How does the customer's loyalty in the banking sector change (at both the structural and quantitative level) in the light of the financial and banking crises? Are any differences observed in those changes between developing and develope...
Khoury, Sarkis Joseph; Wihlborg, Clas
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 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 perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...
Full Text Available The principle of not allowing interest practices (riba has saved the Syariah Bank and their customers from the effects of monetary crisis. In view of Islamic Principles, interest is forbidden. Therefore, all transactions of syariah banking are based on sale-purchase pattern. Besides, all good banking aspects as applied in conventional banking such as, 5 Cs (capital, collateral, capacity, character, and condition are also applied properly in the line of ukhrawi aspects in managing fund of syariah banking. The practice of “mark-up” in project funded by syariah bank seems to be very difficult.
Deerenberg, C.M.; Teal, L.R.; Beare, D.J.; Wal, van der J.T.
The project Fisheries Measures in Protected Areas (FIMPAS) aims to introduce by the end of 2011 fisheries measures in the marine Natura 2000 sites within the Exclusive Economic Zone of the Dutch part of the North Sea. The FIMPAS project will deal with three such areas, the Dogger Bank and the
Nuryati; Gendis Gumilar, Amethysa
This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...
Grünbaum, Niels Nolsøe
Larger Danish banks score lower on customer satisfaction than minor Danish banks. The purpose of this empirical qualitative study is to enlighten this satisfaction paradox. The findings revealed that different satisfactions models are in play. More specifically, the larger banks in Denmark have...... undergone a transformation from a physical realm to a virtual realm. Hence, the personal relationship between the customer and bank employee has also changed. The customer perception of this is rather problematic. More specifically, the changes have diminished customers possibilities to form satisfaction...... judgments. Moreover, the larger banks also loose valuable insights in what the customers value. Without this knowledge a string of strategic business decisions will not be made based on ideal information. The originality of this study is examining and emphasizing coherence in satisfaction models in a buyer...
Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope (GBT), began observations in Green Bank, West Virginia in 2000and is a...
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...
This chapter characterizes bank lending and profitability in Mexico since 1998, a period of extensive reforms and structural change, including in bank balance sheets. This is done in two parts. First, we review bank reforms and other factors which may have influenced bank behavior in recent years. In particular, the nature and sequencing of reforms are described. Second, we estimate bank-level regressions which link bank lending to the private sector and profitability with balance sheet indic...
In Sub-Saharan Africa, developments in information and communication technology are radically changing the way business is done. These developments in technology have resulted in new delivery channels for banking products and services such as Automated Teller Machines (ATMs), Telephone Banking, PC-Banking, ...
Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.
The ongoing Euro crisis and the worse economic development in Europe than in the USA are grounded, not the least in the delayed implementation of reforms of the banking sector. Whereas the leaks in economic governance of EMU have been fixed the banking sector is still not stabilised, even five years after Lehman Brothers. From the grand solution of a "European Banking Union" (EBU) only the first pillar, the European Bank Supervision with the single supervisory mechanism (SSM) will come into e...
Bertsch, Christoph; MARIATHASAN, Mike
We develop a general equilibrium model of banks' capital structure, featuring heterogeneous portfolio risk and an imperfectly elastic supply of bank equity stemming from financial market segmentation. In our model, equity is costly and serves as a buffer against insolvency. Banks are ex-ante identical, but may need to recapitalize by selling equity claims after their portfolio risk becomes public knowledge. When the need to issue outside equity arises simultaneously in a large number of banks...
Fadzlan SUFIAN; Abdul Majid, Muhamed Zulkhibri
The paper investigates the performance of Malaysian Islamic banking sector during the period of 2001-2005. Several efficiency estimates of individual banks are evaluated using non-parametric Data Envelopment Analysis (DEA). Two different approaches have been employed to differentiate how efficiency scores vary with changes in inputs and outputs. The analysis links the variation in calculated efficiencies to a set of variables, i.e. bank size, ownership, capital, non-performing loans and manag...
Elena V. Ilinich
Full Text Available Banks active development of cashless payments by plastic cards, the growing number of fraudulent transactions and the damage they cause, create new challenges and threats to economic security in the sphere of banking activity. The latest information technologies are active used by organized crime groups, the methods of committing crimes are changing and are not yet adequately reflected by banks and law enforcement agencies.
Paolo Angelini; Nicola Cetorelli
The paper analyzes the evolution of competitive conditions in the Italian banking industry using firm-level balance sheet data for the period 1983-1997. Regulatory reform, large-scale consolidation, and competitive pressure from other European countries have changed substantially the banking environment, with potentially offsetting effects on the overall degree of competitiveness of the banking market. We find that competitive conditions, relatively unchanged until 1992, have improved substan...
Boot, A.W.A.; Ratnovski, L.
We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability
the Banks and Other Financial. Institutions Act of (BOFIA)1 1991 as amended, the CBN anchored the banking sector reform on a 13-point agenda involving (CBN, 2005: 16). Minimum bank capital base of N25 billion that must be met on or before 31st December, 2005: ♢. Consolidation through mergers and acquisition,.
Chris Stewart; Benn Robertson; Alexandra Heath
This paper describes the Australian banking system, highlighting ways in which it differs from other major banking systems. It draws together themes from previous work conducted at the Reserve Bank of Australia (RBA), and outlines the role the banking system plays in the transmission of monetary policy and the transformation of risk. The paper also discusses some more recent trends, including the increased focus on deposit funding and potential changes in the determination of lending rates du...
Economic integration within and across countries, deregulation, advances in telecommunications and the growth of the Internet and other communication technologies have dramatically changed the nature and structure of financial services (Claessens et al., 2003). This study examines the adoption of electronic banking (e-banking) services offered by commercial banks in Greece. This is the first empirical investigation on the adoption of e-banking using a logit econometric model which contain...
Frans Hermans; Peter Sloep
The Dutch overestimate their English speaking skills. Their pronunciation is not always convincing and certain pronunciation mistakes are easily recognised as being typical for Dutch speakers of English. Although intelligibility cannot exist without adequate pronunciation, teaching English
Hermans, Frans; Sloep, Peter
The Dutch overestimate their English speaking skills. Their pronunciation is not always convincing, and certain pronunciation mistakes are easily recognised as being typical for Dutch speakers of English. Although intelligibility cannot exist without adequate pronunciation, teaching English
This study investigates Dutch listeners' perception of Korean stop triplets. Whereas Dutch distinguishes prevoiced and voiceless unaspirated stops, Korean distinguishes fortis, lenis, and aspirated stops. Here, perception of fortis, lenis, and aspirated bilabial (/pp/-/p/-/ph/), alveolar
Hof S van den; Melker HE de; Suijkerbuijk AWM; Conyn-van Spaendonck MAE; CIE
The RIVM's so-called Pienter project, carried out from October 1995 to December 1996, was aimed at establishing a serum bank of a representative sample of the Dutch population to facilitate sero-epidemiological studies , including the evaluation of the National Immunisation Programme (NIP). In
M.E. van Wolfswinkel (Marlies); Langenberg, M.C.C. (Marijke C. C.); L.J. Wammes (Linda); R.W. Sauerwein (Robert); R. Koelewijn (Rob); C.C. Hermsen (Cornelus); J.J. van Hellemond (Jaap); P.J.J. van Genderen (Perry)
textabstractBackground: Both in endemic countries and in imported malaria, changes in total and differential leukocyte count during Plasmodium falciparum infection have been described. To study the exact dynamics of differential leukocyte counts and their ratios, they were monitored in a group of
Wolfswinkel, M.E. van; Langenberg, M.C.; Wammes, L.J.; Sauerwein, R.W.; Koelewijn, R.; Hermsen, C.C.; Hellemond, J.J. van; Genderen, P.J. van
BACKGROUND: Both in endemic countries and in imported malaria, changes in total and differential leukocyte count during Plasmodium falciparum infection have been described. To study the exact dynamics of differential leukocyte counts and their ratios, they were monitored in a group of healthy
Entrop, Alexis Gerardus; Brouwers, Jos; Reinders, Angelina H.M.E.
In this paper an experimental research is presented on a new use of Phase Change Materials (PCMs) in concrete floors, in which thermal energy provided by the sun is stored in a mix of concrete and PCMs. When this thermal energy is being released – in moderate sea climates during the evening and
Alikhani, Ali; Hosseinzadeh Davarzani, Malihe
... by clients and the tendency for using such services. This paper investigates different factors influencing on acceptance of electronic banking in private banks versus public banks in a case study of two Iranian banks namely...
The purpose of this thesis was to develop a basic static applied general equilibrium (AGE) model to analyse the effects of agricultural policy changes on Dutch agribusiness. In particular the effects on inter-industry transactions, factor demand, income, and trade are of
de Ruiter, C.; Hildebrand, M.
The Dutch Code of Criminal Law has a special measure for defendants who are considered to have diminished responsibility for their offence on account of a serious mental disorder. This is known as the TBS order. The TBS is directed at changing the offender's recidivism risk by means of forensic
Borgers, H.; van der Heijden, J.
This paper starts with the practice of spatial development, and with legal practice, to come up with three reasons why a new environmental act is necessary. The Dutch legislature is working on that these years and in its commission we’ve been looking for change within environmental law. Our first
dr. Gürkan Çelik
Civil society as a social sphere is constantly subjected to change. Using the Dutch context, this article addresses the question whether religiously inspired engagement is a binder or a breakpoint in modern societies. The author examines how religiously inspired people in the Netherlands involve
Dr. Martijn de Groot; Mariia Stolyga
The Quantified Self Institute (QSI) in Groningen is keeping a close eye on the global self-tracking culture to identify and assess major trends in this domain. How will the future of wearable tech look? Can self-tracking change the Dutch healthcare system? Dr. Martijn de Groot, a medical biologist
Burgt, van der G.J.H.M.; Staps, S.; Timmermans, B.
Carbon sequestration in soils is often mentioned in the discussions about climate changes. In this paper the opportunities for carbon sequestration in Dutch agriculture are discussed at farm and national level. Farm internal carbon sources are already completely used in livestock farming. The effect
Otters, H.B.M.; Wouden, J.C. van der; Schellevis, F.G.; Suijlekom-Smit, L.W.A. van; Koes, B.W.
OBJECTIVE: To assess changes in antibiotic prescribing patterns for children between 1987 and 2001, and to identify general practice characteristics associated with higher antibiotic prescribing rates. METHODS: Cross-sectional national survey of Dutch general practice in 1987 and 2001. Data were
van der Sijde, Peter; Doornekamp, B.G.
Nowadays, in Dutch secondary education, computer science is integrated within school subjects. About ten years ago computer science was considered an independent subject, but in the mid-1980s this idea changed. In our study we investigated whether the objectives of teaching computer science as an
Hendriks Vettehen, P.G.J.; Nuijten, C.M.; Beentjes, J.W.J.
Both news critics and scholars often contend that increasing competition in the news market urges journalists to sensationalize their stories. Starting from this hypothesis, this article investigates changes in the level of sensationalism in three Dutch current affairs programmes that merged in 1996
L.J.H. Bettendorf (Leon); S.A. van der Geest (Stéphanie); M. Varkevisser (Marco)
textabstractThis paper analyses retail price adjustments in the Dutch gasoline market. We estimate an asymmetric error correction model on weekly price changes for the years 1996 to 2001. We construct five datasets, one for each working day. The conclusions on asymmetric pricing are shown to differ
Brasseur, S.M.J.M.; Polanen Petel, van T.; Gerrodette, T.; Meesters, E.; Reijnders, P.J.H.; Aarts, G.M.
Gray seals were first observed breeding in the Dutch Wadden Sea in 1985, after centuries of absence. The breeding colony there is now the largest on the European continent. We describe the changes in gray seal numbers and their geographical expansion, and estimate how these processes were influenced
Koper, Jan F.; Bos, Arend F.; Janvier, Annie; Verhagen, A. A. Eduard
AimThis study investigated whether continuous improvements to neonatal care and the legalisation of newborn euthanasia in 2005 had changed end-of-life decisions by Dutch neonatologists. MethodsWe carried out a retrospective study of foetuses and neonates of more than 22weeks' gestation that died in
abstractThe adoption of computers in Dutch museums has been marked by the changing technology as much as by the interpretation of what the technology is meant to do. The Social Construction of Technology framework is used to review the adoption of a digital work method and to highlight the
Belmon, Laura S; Middelweerd, Anouk; Saskia J te Velde; Brug, Johannes
Background Interventions delivered through new device technology, including mobile phone apps, appear to be an effective method to reach young adults. Previous research indicates that self-efficacy and social support for physical activity and self-regulation behavior change techniques (BCT), such as goal setting, feedback, and self-monitoring, are important for promoting physical activity; however, little is known about evaluations by the target population of BCTs applied to physical activity...
Barbiers, Sjef; Bennis, Hans; Vogelaer, De Gunther; Devos, Magda; Ham, van der Margreet
Available in a Dutch and English Edition, the Syntactic Atlas of the Dutch Dialects (SAND) provides a detailed overview of the surprisingly rich syntactic variation found in 267 dialects of Dutch at the beginning of the 21th century. 200 full color maps show the geographic distribution of more than
Meulen, van der H.A.B.; Terluin, I.J.; Matser, I.A.
In this paper an analysis is made of the contribution of women to labour input and management on Dutch farms. We used a written survey among the participants of the Dutch Farm Accountancy Data Network (FADN), in-depth interviews and a group discussion with farm women. Over half of the women on Dutch
Asidigisianti Surya Patria
Dutch Batik is the referent of batik which is made by European-Indo woman industry. It can be identified by the European pattern which is a bouquet. This research is aimed to describe the correlation between the development of Dutch Batik with the role of the Dutch government and the Dutch merchant. The library research was used during analyzing the role of the government and the merchant using the Talcott Parsons’ functional structure theory. The batik Dutch companies were commercial oriente...
Full Text Available In recent years, there has been increased global awareness of Islamic finance. This topic is mainly opened with respect to the great financial crisis that mostly hit the banking system and the financial markets and caused many bank bankruptcies and state interventions. This paper analyzes the basic principles of Islamic banking. The absolute prohibition of receiving and giving interest (Riba and profit-and-loss sharing (PLS paradigms are elaborated in detail; they are primarily based on mudarabah (profit-sharing and musyarakah (joint venture concepts which nowadays are becoming an accepted way of doing business in several Western multinational banks. An overall comparison of the advantages of Islamic vs. conventional banking is also given. Islamic finance technology solutions have matured and they will face various challenges in the following decades, due to conventional banks offering, increasingly, Islamic products. The need for a more comprehensive environment and regulatory framework is emphasized, so that Islamic banking development can be ensured.
Full Text Available The development of the information and communication technologies and the changes brought to the business models by introducing the use of internet services in the recent decades could not be ignored by the banking industry. The emergence and the development of the internet banking have raised many questions to both academia and industry representatives, both in terms of the benefits of the new organizational models based on providing financial services online and the degree of penetration of these services at the national economy level. This paper aims to make an analysis of the extent to which the internet banking services are used in Romania. The analysis took into account various criteria for the classification of internet banking users (age, residence, occupational status. The study showed that the use of the internet banking services in Romania is still below the European average but has an upward trend.
Full Text Available The Bank of Abyssinia, established in 1905, was given a 50-years concession by theEmperor Menelek II. This institution was engaged in issuing notes as well as in any kind ofcommercial banking business. Haile Sellassie, after acceding to the throne in 1930, could not acceptthat the country’s issuing bank was a foreign-owned share company and decided for nationalization.The change was implemented, however, in a soft way, providing an adequate compensation toshareholders, and in agreement with the main foreign shareholder, the National Bank of Egypt. TheBank of Abyssinia went, therefore, into liquidation and a new institution, the Bank of Ethiopia, wasestablished in 1931. The new bank, although under full Government control, retained management,staff, premises and clients of the ceased financial institution. Italian occupation of the country, in1936, brought the liquidation of the Bank of Ethiopia.
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. JEL Codes: G21, G28, G34Keywords: Bank, Banking, Credit, Globalization, Restructuring
Ha, Sangbeom; Khim, Boo-Keun; Colizza, Ester; Marci, Patrizia; Sagnotti, Leonardo; Caricchi, Chiara; Langone, Leonardo; Giglio, Federico; Kuhn, Gerhard
High latitude marine environments including the Antarctic continental margin have sensitively responded to the climate change, and the Ross Sea is one of these examples. Subglacial marine sedimentary changes have been studied extensively in the continental shelf areas of the Ross Sea to understand the growth and retreat of glaciers in response to the glacial-interglacial changes. However, the continental slope areas of the Ross Sea have not been investigated comparatively less. Thus, in order to comprehend the glaciomarine sedimentation change on the continental slope of the Ross Sea, 3 gravity cores (GC1, GC2, GC3) and 3 box cores (BC1, BC2, BC3) were collected from 3 sites (RS14-C1, C2, C3 by decreasing water depth), respectively, across the continental slope to the eastern side of the Pennell-Iselin Bank during XXIX PNRA (Rosslope II) cruise in 2014. A variety of sedimentological (grain size, magnetic susceptibility, XRF) and geochemical (biogenic opal, total organic carbon, CaCO3, δ13C of organic matter) properties were analyzed along with AMS 14C dating of bulk sediments. All core sediments consist of mostly hemipelagic sandy clay or silty clay with scattered IRD (Ice-Rafted Debris). Sediment color of three cores changes consistently downward from brown to gray with some alternations in core GC1. Based on the basic sediment properties such as sediment color, grain size, and magnetic susceptibility, sediment lithology was decided to divide Unit A and Unit B, both of which were further divided into two subunits. Despite old carbon effect, AMS 14C dates confirm that Unit A belongs to the Holocene and Unit B covers the deglacial to last glacial period at the top of cores. Unit A is characterized by low TOC, low CaCO3, low biogenic opal content and low C/N ratios, whereas Unit B is characterized by high TOC, high CaCO3, moderate to high biogenic opal content and high C/N ratios. Consequently, Unit A represents the modern and interglacial sediments deposited mainly
Rosalinde J.A. Klein Woolthuis
Full Text Available This article discusses the strategies that sustainable entrepreneurs use to interact with their environment in the Dutch construction industry. The Dutch construction industry is under great pressure to move towards sustainability, and entrepreneurs are believed to be able to play a large role in this transition by introducing new products and new business practices. But how can entrepreneurs prosper in an environment that is not geared up towards such a change? And which strategies do they use to bend conditions in their favor? In this article we make use of the Market and System Failure Framework to analyze the pressures that entrepreneurs are confronted with when introducing sustainable innovations. We recognize that these pressures can be seen as bottlenecks, but that market and system failures can also create entrepreneurial opportunities. We interviewed 16 entrepreneurs in the Dutch construction industry to determine the influences they experienced from their environment and the strategies they use to deal with these. We conclude that we can distinguish between system building and following entrepreneurs, where the former aims to build a new system to challenge the old one, whereas the latter rather makes use of existing structures to build a business. We find that both strategies can be successful and that overall, the entrepreneurs confirm the belief that sustainability on people, planet and transparency aspects, can contribute very well to the long term profitability of the businesses the entrepreneurs are running. These in-depth insights into the influences from the context on the one hand, and the entrepreneurs’ strategic reactions on the other hand, contribute to our understanding of the interactions between entrepreneurs and the system context. This can help us to more effectively stimulate and support innovating entrepreneurs to contribute to the transition towards sustainability.
Burgt, T.J. van de; Kluivers, K.B.; Hendriks, J.C.M.
OBJECTIVE: To evaluate the responsiveness to change and the minimal clinical important difference (MCID) of the Dutch Endometriosis Health Profile-30 (EHP-30) questionnaire. STUDY DESIGN: Prospective cohort study among endometriosis patients attending the Radboud University Nijmegen Medical Centre
Lippmann, Tanya; van Huissteden, Ko; Hendriks, Dimmie
Increasing the global carbon sink is one of two options to mitigate CO2 and CH4 increases in the atmosphere (the other is emissions reductions at the source). Peatlands release carbon to the atmosphere when disturbed by natural or human causes and absorb carbon when vegetation and soil organic matter accumulate after rewetting or natural revegetation. However, rewetting of drained peatlands is frequently not considered as a climate mitigation strategy due to the enhanced methane emissions that accompany newly formed anaerobic peatland environments. We hypothesise that at most sites, this trend will be temporal but long-term, lasting for tens of years post re-wetting before stabilisation takes place. This study investigates the ability of rewetted peatland sites to act as either a source or sink for atmospheric methane and carbon dioxide under climate change. The hydrology of a peatland is fundamental to its functioning. Therefore, the use of a full water balance table has the potential to simulate greenhouse gas fluxes to a greater degree of certainty. MODFLOW is the internationally most widely used ground and surface water model and is freely available to the scientific community. This is the first time that a gridded peatland process based model has been constructed at a spatial resolution as high as 25m x 25m. This new high-resolution model allows for investigation into the complex biophysical and hydrological factors that are necessary to reliably estimate atmospheric greenhouse gas fluxes in a peatland ecosystem. We assess the model's skill against observations collected at two monitoring sites of differing soil properties and vegetation in the Netherlands. These results discuss site-specific suitability of peatland regeneration, useful for climate change mitigation activities. Aside from the insight into transient atmosphere-peatland carbon fluxes, this work is a stepping stone towards more robust model coupling and greater spatial coverage.
Full Text Available Information and communication technology (ICT developments and trends in recent years have had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology has accelerated changes in the way of banking business. The purpose of this paper is to explore the factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample used in this empirical study includes 265 responses of internet banking users collected through structured questionnaire. For statistical analysis, structural equation model (SEM approach was used. The present study suggests that internet banking use increases as long as customer perceives it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance performance matrix analysis has shown that attitude was the most important factor. Thus, banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect cus-tomers.
van Wolfswinkel, Marlies E; Langenberg, Marijke C C; Wammes, Linda J; Sauerwein, Robert W; Koelewijn, Rob; Hermsen, Cornelus C; van Hellemond, Jaap J; van Genderen, Perry J
Both in endemic countries and in imported malaria, changes in total and differential leukocyte count during Plasmodium falciparum infection have been described. To study the exact dynamics of differential leukocyte counts and their ratios, they were monitored in a group of healthy non-immune volunteers in two separate Controlled Human Malaria Infection (CHMI) studies. In two CHMI trials, CHMI-a and CHMI-b, 15 and 24 healthy malaria-naïve volunteers, respectively, were exposed to bites of infected mosquitoes, using the P. falciparum research strain NF54 and the novel clones NF135.C10 and NF166.C8. After mosquito bite exposure, twice-daily blood draws were taken to detect parasitaemia and to monitor the total and differential leukocyte counts. All subjects received a course of atovaquone-proguanil when meeting the treatment criteria. A total of 39 volunteers participated in the two trials. Thirty-five participants, all 15 participants in CHMI-a and 20 of the 24 volunteers in CHMI-b, developed parasitaemia. During liver stage development of the parasite, the median total leukocyte count increased from 5.5 to 6.1 × 10 9 leukocytes/L (p = 0.005), the median lymphocyte count from 1.9 to 2.2 (p = 0.001) and the monocyte count from 0.50 to 0.54 (p = 0.038). During the subsequent blood stage infection, significant changes in total and differential leukocyte counts lead to a leukocytopenia (nadir median 3.3 × 10 9 leukocytes/L, p = 0.0001), lymphocytopenia (nadir median 0.7 × 10 9 lymphocytes/L, p = 0.0001) and a borderline neutropenia (nadir median 1.5 × 10 9 neutrophils/L, p = 0.0001). The neutrophil to lymphocyte count ratio (NLCR) reached a maximum of 4.0. Significant correlations were found between parasite load and absolute lymphocyte count (p leukocyte count and differential lymphocytes and monocytes occurs. This finding has not been described previously. This increase is followed by the appearance of parasites in the peripheral blood after 2
J.M. Koot (Hans)
textabstractThe present study was an attempt to contribute to the standardized assessment and the study of prevalence of problem behavior in children 2- to 3-years old by means of empirically derived rating scales. The basic questions were: 1. What are the psychometric characteristics of the Dutch
Bloem, J.; Bouma, G.
We present an automatic animacy classifier for Dutch that can determine the animacy status of nouns -- how alive the noun's referent is (human, inanimate, etc.). Animacy is a semantic property that has been shown to play a role in human sentence processing, felicity and grammaticality. Although
Boer, de W.
This thesis is the result of a study on the production of nitrate in Dutch heathland soils. Most of the heathlands are located on acid, sandy soils. Therefore , it has dealt mainly with the occurrence, nature and mechanisms of nitrification in acid soils. In the Netherlands, the production
In this dissertation, the aim was to describe and explain differences among Dutch municipalities in their execution of innovative decentralized policies. We wanted to examine the validity of the decentralization-thesis - that in the development of local policies, local governments are responsive to
Bovenberg, A.L.; Gradus, R.H.J.M.
Dutch occupational defined-benefit plans suffer from a number of serious weaknesses, including ambiguous ownership of the surplus, back-loading of benefits, and lack of tailor-made risk management. To address these weaknesses, we propose collective individual defined-contribution plans that are
Gradus, R.H.J.M.; Bovenberg, A.L.
In many countries, occupational plans are being reformed away from defined-benefit (DB) to defined-contribution (DC) designs. This paper explores the case of the Netherlands, which features a particularly high ratio of occupational pension assets to GDP. Dutch occupational DB plans suffer from a
Marselis, Randi Lorenz
This article examines memory politics in relation to radical actions of young Dutch-Moluccans, more specifically a train hijacking in 1977 at the village of De Punt in the Netherlands. The article examines how these historical events were remembered in the drama-documentary television film, De Punt...
Leersum, N.J. van; Snijders, H.S.; Henneman, D.; Kolfschoten, N.E.; Gooiker, G.A.; Berge, M.G. Ten; Eddes, E.H.; Wouters, M.W.; Tollenaar, R.A.E.M.; Bemelman, W.A.; Dam, R.M. van; Elferink, M.A.; Karsten, T.M.; Krieken, J.H. van; Lemmens, V.E.; Rutten, H.J.; Manusama, E.R.; Velde, C.J. van de; Meijerink, W.J.H.J.; Wiggers, T.; Harst, E. van der; Dekker, J.W.T.; Boerma, D.
INTRODUCTION: In 2009, the nationwide Dutch Surgical Colorectal Audit (DSCA) was initiated by the Association of Surgeons of the Netherlands (ASN) to monitor, evaluate and improve colorectal cancer care. The DSCA is currently widely used as a blueprint for the initiation of other audits, coordinated
Kallestrup, René; Lando, David; Murgoci, Agatha
We show that banks' foreign asset holdings are significant determinants of bank and sovereign CDS premia. Our analysis uses detailed data on the composition and risk of banks' foreign exposures. For the largest banks, a one standard deviation change in our foreign- exposure risk measure leads...
A Retrospective Study Concerning the Psychosocial Impact of Voice Disorders : Voice Handicap Index Change in Patients With Benign Voice Disorders After Treatment (Measured With the Dutch Version of the VHI)
Bouwers, Frans; Dikkers, Frederik G.
The goal of this study was to gain better understanding of psychosocial effects of benign voice problems as measured with the Dutch version of the Voice Handicap Index (VHI). The effect of voice problems on daily life differs from person to person. Over the last few decades there has been a growing
Mukesh Chaudhry; Arjun Chatrath; Ravindra Kamath
This study investigates the determinants of profitability of U.S. commercial banks in the 1970s and 1980s. It is established that banks, depending on their size, may need to exercise greater control over a defined set of variables in order to maximize profits and/or minimize costs. Further, the study provides some indirect evidence of economies of scale/scope in certain aspects of the banksÕ loan and investment portfolios.
V. E. Gladkova
Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.
Full Text Available In this study, Limburgian and Dutch 2.5- to 4-year-olds and adults took part in a word learning experiment. Following the procedure employed by Quam and Swingley (2010 and Singh et al. (2014, participants learned two novel word-object mappings. After training, word recognition was tested in correct pronunciation (CP trials and mispronunciation (MP trials featuring a pitch change. Since Limburgian is considered a restricted tone language, we expected that the pitch change would hinder word recognition in Limburgian, but not in non-tonal Dutch listeners. Contrary to our expectations, both Limburgian and Dutch children appeared to be sensitive to pitch changes in newly learned words, indicated by a significant decrease in target fixation in MP trials compared to CP trials. Limburgian and Dutch adults showed very strong naming effects in both trial types. The results are discussed against the background of the influence of the native prosodic system.
Full Text Available Changes related to competitive surroundings, legislation, and use of technology in banking business created new challenges for the managers in banking sector and emphasized the importance of brand building in the field of financial services. The need for financial institutions to manage its users in a way that provides them satisfaction, two-way communication and trust developing into loyalty was created. Regarding the research methodology, it is important to emphasize that the main discussion related to the purpose of research is to determine, improve, and better comprehend the main problems appearing in the process of brand building of banking services on the Belgrade market from the users standpoint. In order to realize the established purpose of the research, answers to the following research questions shall be provided: 1 Which problems in communication with the users are important for bank brand building?, 2 In what way do users see the image and personality of a bank? 3 In which way does brand of the origin of a bank influence the choice of users for the banking services? And 4 In which way the strategy of communication in the process of brand building of banking services can be improved? The quantitative approach to the research has been used. This study is based on the research procedure of surveys and data collection through a questionnaire, as an instrument in the research which was given to the adult citizens on the territory of the city of Belgrade. Statistic treatment of the data was conducted by using the SPSS software. The results are presented by using the combined techniques: in written form, in tables and graphs. So, the basic conclusions would be such as: after the marketing research on how banks carry on the processes of brand building was conducted, certain conclusions could be drawn from it: It is very important for a client to be involved in the process of brand building. By taking into consideration the criteria based on
Full Text Available The recent financial crisis has shown that a liquidity risk plays an important role in the current developed financial system. One of the efficient tools of liquidity risk management is stress testing which can show banks their potential vulnerability to liquidity shocks. The aim of this paper is therefore to measure the liquidity risk sensitivity of Czech commercial banks and to find out the most severe scenario and the most vulnerable bank. Our sample included significant part of the Czech banking sector; we used unconsolidated balance sheet data over the period from 2000 to 2011 which were obtained from annual reports of Czech banks. We have evaluated liquidity risk of each bank in the sample via six different liquidity ratios. Then we stressed these baseline values in three stress scenarios: run on a bank (simulated by a 20% withdrawal of deposits, confidence crisis on the interbank market (simulated by a withdrawal of 20% of interbank deposits and use of committed loans by counterparties (simulated by a 5% increase of loans provided to nonbank clients. We measured the impact of all scenarios by relative change of liquidity ratios. The impact of modelled liquidity shocks differs among scenarios. The most serious liquidity problems would be caused by the first scenario – run on a bank. The negative influence of third scenario (use of committed loans is less severe. The confidence crisis on the interbank market would not affect bank liquidity at all. The results also show that the severity of the impact of all scenarios worsens in periods of financial distress. We have also found that large and medium sized banks are most vulnerable to liquidity shocks, mainly to massive deposit withdrawals.
Full Text Available In this paper we present the relevancy and importance of knowing the reasons on clients’migration to competitive banking institutions. The main reason of being the client of several banks isdue to the fierce competition between credit institutions,thusthe banking market has changed. Basedon a case study within the Raiffeisen Bank we researched and presented the reasons fordiscontinuation of banking tiesand the migration of clients to other banks. The used researchmethodology consisted of the application of analysis point of contact by sending a questionnairethrough which there could have been identified 105 migrating clients, out of which 89 were formerclients of Raiffeisen Bank. Since both in the specialized literatureand in practice there is very littleinformation about migration behavior of banking clients-especially in the category of small andmedium enterprises-the present research was not limited to the Raiffeisen Bank clients, but to all 105respondents whodiscontinued totally or partially their connection with the bank. It can be concludedthat the attitude of the bank clients has a considerable influence on the migration behavior. The most“infidel” banking clients are considered in the category of “clients oriented towards the conditions.”
Full Text Available These days, we see unexpected changes in customers' behaviors in financial and service institutions, especially in banks. There are different reasons for having such changes but the recent advances of technology could be one of the main reasons. Today banks are obliged to link their existence with customers, recognize their demands and needs in present competitive environment and take necessary actions to increase their productivity. The main objective of the present research is to identify bank readiness for establishing customer relationship management. Findings of the present study show that the readiness degree of bank is well above moderate with respect to intellectual dimension and is below moderate with respect to social and technological dimensions.
Rubi Ahmad; Mohamed Ariff; Michael Skully
What was termed government-guided merger was a unique banking sector reform implemented in 2002 by the central bank of Malaysia guiding a larger number of depository institutions to form 10 large banks...
Hendriksen, M.A.H.; Raaij, van J.M.A.; Geleijnse, J.M.; Wilson-van den Hooven, E.C.; Ocke, M.C.; A, van der D.L.
Objective To monitor the effectiveness of salt-reduction initiatives in processed foods and changes in Dutch iodine policy on Na and iodine intakes in Dutch adults between 2006 and 2010. Design Two cross-sectional studies among adults, conducted in 2006 and 2010, using identical protocols.
Harbour porpoises and white-beaked dolphins are the most common small cetaceans in the North Sea and Dutch coastal waters. The distribution and relative abundance of harbour porpoises and white-beaked dolphins from the Dutch coastal waters has changed significantly over the past decades. This thesis
C.A. Brandenburg (Claudia)
textabstractThe Dutch government has started a process of reformation in the Dutch healthcare. The goal of this reformation is cost efficient healthcare in the Netherlands. Hospitals and health insurance companies in the Netherlands experience changes in regulations and funding. They are expected
Buijs, A.E.; Mattijssen, T.; Arts, B.J.M.
The Netherlands were at the forefront of European nature conservation policy until recently. For years, a stable ‘social contract’ around Dutch nature conservation existed. To the surprise of many, this stability suddenly disappeared and Dutch nature policy has taken a dramatic shift with changing
The need for this topic was discovered in practice at the commissioning company, a Finnish bank called OP, because the number of customers with credit report records seems to be increasing rapidly and the legislative changes in the consumer protection act are also forcing banks to change some of their operations. The goal of this study is to find out how the operations of quick loan companies differ from those of traditional banks, how the two alternatives have adapted to the legislative...
World Bank Group
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), ...
Chang, Yoonhee Tina
This paper is concerned with examining behaviour of firms (banks) and consumers (banks’ customers) in the event of a new technology (internet banking) introduction. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. I find evidence that adoption of internet banking is influenced by sex, age, marital status, degree of exposure to internet banking, and the characteristics of the banks. A duration analysi...
Miranda Petronella VLAD
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.
Kumar Gandhi R
Full Text Available Modern customer has a high demand for quality of service than he/she had before. There is an urgent need for improving the customer service levels currently provided in the banking industry. Banks need to understand, foresee, the needs and expected levels of customer support which the customer expects when he/she steps into the branch and strive to stand up and excel in providing the service and making banking a truly delightful experience. The banker should change his/her agenda from Customer Satisfaction to Customer delight and then march towards Customer Ecstasy. This will be possible by maintaining the financial soundness of the firm. In this connection it has been given importance through this study. Since most of the Banking slightly deviate into the other areas like insurance, financial services and modern banking services such as Advisory services, Agent for receivables, custodian, instant loan provider, Forfeiter services and factoring services. A conscious attempt has been made to analysis the liquidity of state bank of India (SBI. The present study aimed to understand the financial soundness of the bank, the ratio analysis taken as tool. In this research work the secondary data mainly used, it has been collected in the form of the company manuals, Balance sheets and other documents. The data analyzed by some of the statistical tools such as ANOVA test and Multi variate test is used to analyze the interferences about the operating efficiency.
Zaid Alrukhayyes; Hugh Grove; Jeffrey Feldman
... program for risk management of its banks. Due to availability of public data in 2010, Ibrahim had collected data on nine out of the eleven Kuwait banks, which comprised the sample for the subsequent stress testing of Kuwait banks...
van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.
Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the
G.J. Van der Star; dr. A. Maas
DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the
Boot, A.W.A.; Ratnovski, L.
We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital
Liedorp, Franka; Mosch, Robert; van der Cruijsen, Carin; de Haan, Jakob
Following Eijffinger and Geraats (2006), this paper constructs an index of transparency of banking supervisors that takes political, economic, procedural, policy, and operational transparency into account. Based on a survey, the index is constructed for 24 banking supervisors. The average score is
De Jonghe, Olivier; Diepstraten, Maaike; Schepens, Glenn; Beck, Thorsten; Casu, Barbara
This chapter discusses recent EU-wide movements in bank competition and concentration. We start with a concise overview of the most frequently used competition and concentration measures. Given that different measures may capture different aspects of bank competition, we focus on the differences and
This dissertation consists of three essays on banking and concentrates on two topics. The first two essays deal with strategic behavior of borrowers. The third essay explores the relation between bank capital and risk-taking. The first essay, Collective Strategic Defaults: Bailouts and Repayment
This dissertation consists of three essays on empirical banking. They study how do information and political activeness affect banks’ lending behavior, as well as the effect of lending relationship with banks on firms’ stock performance during interbank liquidity crunch. The first essay looks at a
Marselis, Randi Lorenz
This article examines memory politics in relation to radical actions of young Dutch-Moluccans, more specifically a train hijacking in 1977 at the village of De Punt in the Netherlands. The article examines how these historical events were remembered in the drama-documentary television film, De Punt......, as well as in user-generated comments in an online discussion. The television film represented an inclusive memory culture that made room for the difficult memories of all parties involved, including the radicalised, young hijackers. Based on a multidimensional model of mass media reception, the analysis...... of the web debate examines how viewers reacted to this interpretation. The web debate functioned as a participatory forum, where collective and national memories and postcolonial history were intensely discussed, and the debate made room for some degree of reconciliation between viewers of Dutch...
MSc. Rovena Troplini
Full Text Available The Albanian financial system has entered a new phase of its development. Financial system in Albania is bank oriented, as financial market is not active. Because of the important and deep changes that have altered the image of the banking system, the conditions for more dynamic development of non-banking intermediaries and capital markets have been created. The analysis is based on the standard indicators of size and activity of banking intermediaries. The results of the analysis show that the size and activity of Albanian banking system is growing faster but limiting the crediting process only on banks. However, the achieved level of development of banking intermediaries is still below of other advanced transition economies. Albanian financial system needs to develop quickly the activities of pension funds, investment funds and bond/asset markets in order to create great opportunities to the Albanian economy.
Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage
Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.
Samsudin Wahab; Nor Azila Mohd. Noor; Juhary Ali
The electronic revolution in the Malaysian banking sector has started in the 1970's. The first visible form of electronic innovation in the Malaysian banking industry was the introduction of Automated Teller Machines in 1981. Finally, on June 1, 2000, the Malaysian Central Bank gave the green light for locally owned commercial banks to offer Internet banking services. Due to the drastic changes in the business environment, it leads financial institutions to revise their marketing strategies t...
Veihe, Anita; Jensen, Niels H.; Schiøtz, Iris Gunia
River banks are important sources of sediment and phosphorus to fluvial systems, and the erosion processes operating on the banks are complex and change over time. This study explores the magnitude of bank erosion on a cohesive streambank within a small channelized stream and studies the various ...... rates. An understanding of the processes governing bank erosion is required for riparian management using vegetational measures as root size and structure play different roles when it comes to controlling bank erosion processes....
Cousseau, L; Husemann, M; Foppen, R.; Vangestel, C.; Lens, L
Dutch house sparrow (Passer domesticus) densities dropped by nearly 50% since the early 1980s, and similar collapses in population sizes have been reported across Europe. Whether, and to what extent, such relatively recent demographic changes are accompanied by concomitant shifts in the genetic population structure of this species needs further investigation. Therefore, we here explore temporal shifts in genetic diversity, genetic structure and effective sizes of seven Dutch house sparrow pop...
L. N. Sotnikova
Full Text Available The features and current trends in the development of the banking system of the Russian Federation are highlighted in the article. The authors propose an original method of evaluation of activities of credit organizations with the use of statistical data and rating agencies. The concept of the banking system is summarized in this article. Also its structure is analyzed by the number of credit institutions and the quality of their operations. The authors identifie differences between the concepts of banking service, banking operation and banking product and propose classification according to different characteristics of banking institutions and operations that they carry out. Then the authors go to estimating the volume of banking services in Russia and their patterns in total. Separately the main passive (deposits and loans and active operations (lending to legal entities and individuals are characterized. The authors identifie the major developments in the banking system of the Russian Federation in 2014 due to political and economic sanctions by the U.S. and Eurozone countries. The article provides a vision of the authors on the further development of the banking activity in Russia and proposes specific measures to adapt the banking system of the Russian Federation in a constantly changing political and economic conditions (financial sanctions, a change of key Central Bank rates, devaluation, etc.. According to the authors' opinion the expected prospects of development of the banking system of the Russian Federation to 2015 are: the growth in savings accounts in banks; sanctions will be of a personal nature and will not affect the largest credit institutions; the active growth of the corporate loan portfolio will continue; the growth of retail lending portfolio will continue to slow; mortgage lending will increase in the total loan portfolio of the banking sector of Russia.
van Dijk, Machiel; Pomp, Marc; Douven, Rudy; Laske-Aldershof, Trea; Schut, Erik; de Boer, Willem; de Boo, Anne
To estimate the price sensitivity of consumer choice of health insurance firm. Using paneldata of the flows of insured between pairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. The price elasticity of residual demand for health insurance was low during the period 1993-2002, confirming earlier findings based on annual changes in market share. We find small but significant elasticities for basic insurance but insignificant elasticities for supplementary insurance. Young enrollees are more price sensitive than older enrollees. Competition was weak in the market for health insurance during the period under study. For the market-based reforms that are currently under way, this implies that measures to promote competition in the health insurance industry may be needed.
In 2002 the Dutch Euthanasia Act came into force. This Act is the result of a lengthy developmental process. It codifies the requirements that have evolved in case law and medical ethics since 1973. Empirical data indicate that the Dutch euthanasia practice is stabilising. Euthanasia and assisted suicide occur in 2.7% of all deaths. Now that the Act has been passed, the focus is on improving the quality of medical decision-making. From an international perspective, the Dutch legislation is exceptional. However, it appears that other countries and international organisations are considering euthanasia legislation as well. It remains to be seen how influential the Dutch model will prove to be.
This article explores the way in which the World Bank has worked effectively with China in higher education. It investigates whether or not the cooperation between the two has changed in line with their changing relationship. More specifically, it discusses whether the World Bank's China agenda reflects the reform package of socio-institutional…
Full Text Available Electronic Banking is an essential sector of banking industry. E-banking services are gaining the attention of conventional bank’s customers rapidly. It has brought the revolutionary changes in the Pakistan banking industry in terms of customer and business perspectives. Electronic banking has got popularity in the developed as well as developing countries because it saves people time, reduces costs and people have access to all banking services on the click of a button. More often, the new innovated system allows the customers to touch their accounts at home using a mobile device or electronic terminals. This research paper focuses on growth and awareness of electronic banking among Management Students of the Okara, Pakistan. Questionnaire on 5 point Likert scale was developed to find the views of 200 respondents. Frequency distribution and correlation analysis were employed on data. The results revealed that 74% of the students are well aware about ATM and 82% of management students of our sample populations believe that e-banking is very convenient system of banking. 74% of the Management students feel secure when they have money in credit and debit card while 82% of the students prefer e-banking over traditional banking.
This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...
Friso Hoeneveld; Ingrid Kloosterman; Ruud Abma
The centennial has revived attention for the First World War. Because of the Netherlands’ neutral position, the influence of the horrendous war in this nation has long been qualified as marginal. In the last two decades, this perspective has gradually changed and several studies were published on developments in the Netherlands in 1914–1918. In these studies the Great War has either been understood as a watershed moment in Dutch history or, adversely, as a continuation of previous times. In t...
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What are the limitations on managing or... COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Merchant Banking Investments § 225.171 What are the limitations on managing or operating a portfolio company held as a merchant banking investment...
Heid, Frank; Nestmann, Thorsten; von Westernhagen, Natalja; Weder di Mauro, Beatrice
This paper studies German bank lending during the Asian and Russian crises, using a bank level data set from the Deutsche Bundesbank. Our aim is to gain more insight into the pattern of German bank lending during financial crises in emerging markets. We find that German banks reacted to the Asian crisis mainly by reallocating their portfolios among emerging markets. By contrast, the banks' behaviour during the Russian crisis is characterised by a general withdrawal from emerging markets. We f...
Cartes, Joan E.; Huguet, C.; Parra, S.; Sanchez, F.
The trophic relationships of decapod crustaceans on Le Danois bank (NE of Iberian Peninsula, NE Atlantic Ocean) were studied within the framework of the multidisciplinary project ECOMARG during two surveys, one in October 2003 and the other in April 2004. The diets of eleven species of decapods were analyzed and, within a rather continuous gradient of food source exploitation, 3 trophic groups were identified: (1) plankton feeders, comprising the shrimps Acanthephyra pelagica, Sergia robusta, and Pasiphaea tarda, which preyed on meso-bathypelagic taxa such as euphausiids and calanoids; (2) benthos feeders, comprising the crangonids Pontophilus norvegicus and Pontophilus spinosus, the crab Geryon trispinosus and the shrimp Aristeus antennatus; and (3) an intermediate group, including the rest of species, with mixed diets that included detritus. Among the third group, anomurans ( Munida tenuimana, Pagurus alatus, and Parapagurus pilosimanus) consumed phytoplanktonic detritus in April, suggesting a link with peaks of surface Chl a occurring between March and April in the study area. Gut pigment and isotopic (δ 13C/δ 15N correlations) analyses revealed that assemblages inhabiting the top of the bank (455-612 m) and the inner basin (642-1048 m, close to the Lastres canyon head) had different food sources, with species inhabiting the deepest region exhibiting a stronger dependence on marine snow derivatives. These results are consistent with the higher proportion of mud and sediment organic matter (OM) content in the inner basin (82.2% pellites; 6.3% OM at 1028 m) compared to the top of the Le Danois bank (only 13.9% pellites; 2.8% OM at 485 m), which is a hydrodynamically more active zone. Exploitation of different food sources is also consistent with differences in the trophic level of species, inferred from stable δ 15N isotope analyses, which yield values ranging from 6.88‰ for the hermit crab P. alatus to 13.52‰ for the crangonid shrimp P. norvegicus. Stomach
Schmeling, Maik; Wagner, Christian
We explore whether the tone of central bank communication matters for asset prices. Using press conference statements by the ECB, which was the first central bank to establish live press conferences after meetings of its Governing Council, we find that tone changes have a statistically...... the next press conference. Moreover, we find that positive tone changes are associated with increasing government bond yields, lower implied equity volatility, lower variance risk premia, and lower corporate credit spreads. Since we also show that tone changes are unrelated to current and future economic...... fundamentals, these results support the conjecture that central bank tone matters for asset prices through a risk-based channel. Our main findings also apply to U.S. markets, where stock prices and Treasury yields increase when the Fed chair’s tone in the Congressional Testimony becomes more positive....
Asidigisianti Surya Patria
Full Text Available Dutch Batik is the referent of batik which is made by European-Indo woman industry. It can be identified by the European pattern which is a bouquet. This research is aimed to describe the correlation between the development of Dutch Batik with the role of the Dutch government and the Dutch merchant. The library research was used during analyzing the role of the government and the merchant using the Talcott Parsons’ functional structure theory. The batik Dutch companies were commercial oriented. It is different from real Javanese batik which had a purpose to be worn by themselves. Dutch Batik was the expression of the idea and behavior of the Dutch who lived in Indonesia. They expressed their western by using the patterns that were shown in their batik.
Klanderman, R B; Attaye, I; Bosboom, J J; Veelo, D P; Geerts, B F; Vlaar, A P J
Transfusion-associated circulatory overload (TACO) is a severe pulmonary transfusion reaction and leading cause of transfusion-related morbidity and mortality in Europe. TACO is of particular importance in critically ill patients, since they often receive blood transfusions and have multiple risk factors for TACO. This study investigates transfusion practices in patients at risk of developing TACO, and furthermore knowledge concerning risk factors, diagnoses and treatment strategies among Dutch intensive care unit (ICU) fellows. An unannounced paper-based survey was conducted among Dutch ICU fellows during an educational conference. The survey consisted of 16 multiple and open choice questions. Of all 65 Dutch ICU fellows 56.8% completed the survey; of respondents 88.9% identified the correct constellation of symptoms for TACO. In total, 29.7% of the respondents are aware they are obligated to report TACO cases to the blood bank. Major risk factors for TACO that respondents identified were reduced left ventricular function, infusion volume and infusion rate. In a non-emergency setting, 45.9% of fellows start red blood cell transfusion with 2 units or more. Transfusion rates exceeded national guidelines in 15.4% of fictitious cases. TACO is treated with furosemide by 94.5% of the fellows, however goals of the therapy varied greatly. Dutch ICU fellows are knowledgeable of TACO symptoms, risk factors and treatment, however knowledge on reporting and transfusion practice in the setting of at risk patients for TACO should be improved. Copyright © 2017. Published by Elsevier SAS.
A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404
In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.
Ravn Sørensen, Anders
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......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...... 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....
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...
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1003 Money lent at banking offices or at other than...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives and agricultural credit banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING....5144 Banks for cooperatives and agricultural credit banks. As may be authorized by the banks for...
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In various studies outside the Netherlands, it has been shown that a substantial number of patients suffer from some kind of harm during their treatment in hospital. The incidence of these so-called adverse events varies between 2.9% and 16.6%; it is estimated that between over a quarter and a half of these are considered to be avoidable.
Preventable adverse events can be considered to be a starting point for interventions to increase patient safety. In response to this, a study was initiated in Dutch hospitals investigating the nature and extent of adverse events and their causes. Lessons learnt will be discussed within the European Research Network on Quality in Health Care (ENQual, where researchers and policy makers come together to exchange knowledge and experiences. Two important goals of the Dutch study are to reach a consensus on basic concepts and to improve research methodology. An unintended event resulting in harm caused by healthcare is called an adverse event in international literature. Preventable adverse events are especially important for prevention, in these cases the harm can be attributed to unintended events in the care process, caused by insufficient action according to professional standards and failures within the care system. Most adverse events, caused as they may seem by human action or failing to act at first sight, are often partly caused by a care process that has not been properly organized. Uniform concepts are needed in order to facilitate European comparisons, which would allow, for example, the comparison of Dutch research results with those from other countries, and the identification of specific concepts. One of the six action areas of the WHO’s World Alliance for Patient Safety is the development of a ‘patient safety taxonomy’.
Lückerath – Rovers, M.
The Dutch Female Board Index 2010 shows for the fourth year a survey of female representation on the Executive Boards and Supervisory Boards of 99 Dutch NVs listed on Euronext Amsterdam. The companies were classified by the percentage of women in their joint Executive Board and Supervisory Board.
Gaustad, T; Bouma, G; Theune, M; Nijholt, A; Hondorp, H
This paper investigates the use of stemming for classification of Dutch (email) texts. We introduce a stemmer, which combines dictionary lookup (implemented efficiently as a finite state automaton) with a rule-based backup strategy and,how, that it outperforms the Dutch Porter stemmer in terms of
Luiijf, H.A.M.; Zielstra, A.
On December 1st, 2009, the fourth Dutch Process Control Security Event took place in Baarn, The Netherlands. The security event with the title ‘Manage IT!’ was organised by the Dutch National Infrastructure against Cybercrime (NICC). Mid of November, a group of over thirty people participated in the
In 2002 the Dutch Euthanasia Act came into force. This Act is the result of a lengthy developmental process. It codifies the requirements that have evolved in case law and medical ethics since 1973. Empirical data indicate that the Dutch euthanasia practice is stabilising. Euthanasia and assisted
de Boer, Victor; Leinenga, Jurjen; Hoekstra, F.G.; van Rossum, Matthias; Mika, Peter; Tudorache, Tadia; Bernstein, Abraham
We present the Dutch Ships and Sailors Linked Data Cloud. This heterogeneous dataset brings together four curated datasets on Dutch Maritime history as five-star linked data. The individual datasets use separate datamodels, designed in close collaboration with maritime historical researchers. The
Westert, G.P.; Berg, M.J. van den; Koolman, X.; Verkleij, H.
This is the second national report on the performance of the Dutch health care system. Its focus is on quality, access and costs in 2006/7. The Dutch Health Care Performance Report presents a broad picture based on 110 indicators. Where possible, comparisons in time and between countries are
In this article I will show how Dutch authors reoriented themselves from the late 1980s onwards in relation to the postmodern tradition they inherited. I will discuss the critique of postmodernism formulated by Dutch writers in the light of the following hypothesis. A new, late postmodern position
Janssen, Lodevicus Johannes Henricus
There is reason for concern about the Dutch development cooperation. A survey of some aid evaluations of the Dutch Ministry of Foreign Affairs (MFA) showed that the aid results are limited and that the goals of the programs are not achieved. Management concerns using an organisation's resources to
Bragaru, Mihail; Meulenbelt, Hendrik; Dijkstra, Pieter U.; Geertzen, Jan H.B.; Dekker, Rienk
Objective: To analyze sports participation of Dutch lower limb amputees and factors influencing sports participation. Study design: A cross-sectional survey was performed. Dutch lower limb amputees (N = 2039) were invited to participate in a postal survey addressing personal and amputation
This article discusses the strategies that sustainable entrepreneurs use to interact with their environment in the Dutch construction industry. The Dutch construction industry is under great pressure to move towards sustainability, and entrepreneurs are believed to be able to play a large role in
Double Negation languages like Dutch and German still exhibit constructions, such as Dutch 'niemand niet' ‘nobody not’ or 'nooit geen' ‘nothing no’, that seem to have a Negative Concord reading. Since these constructions normally have an emphatic reading, they are called Emphatic Multiple Negative
Nejjari, W.; Gerritsen, M.; Haagen, M.J. van der; Korzilius, H.P.L.M.
This paper reports on a study into the reactions of ‘native’ speakers of British English to Dutch-English pronunciations in the onset of a telephone sales talk. In an experiment 144 highly educated British professionals who were either familiar or not familiar with Dutch-accented English responded
In this review several aspects of the functioning of the Dutch estuaries (Ems-Dollard, Wadden Sea, Oosterschelde, Westerschelde, Grevelingen and Veerse Meer) have been compared. A number of large European rivers (especially Rhine) have a prevailing influence on the nutrient cycling of most Dutch
Jabrayilov, Ruslan; Emons, Wilco H M; de Jong, Kim; Sijtsma, Klaas
In the absence of measurement invariance across measurement occasions, change scores based on pretest-posttest measurements may be inaccurate representations of real change on the latent variable. In this study, we examined whether measurement invariance held in the Dutch version of Outcome Questionnaire-45 (OQ-45). Using secondary data analysis of a sample of N = 540 Dutch outpatients, we tested the stability of the factorial structure (gamma change) and the metric and scalar invariance (beta change) across pretest and posttest measurements using a combination of factor analysis and item response theory methodology. Results revealed a stable factorial structure from pretest to posttest and minor violations of metric invariance for two items in the Dutch OQ-45. Even though for two items the assumption of invariance was violated, results suggest that the effects of these violations on practical change assessment using the OQ-45 were negligible.
Raoudha Bejaoui; Houssam Bouzgarrou
The aim of this study is to examine the persistence of profit and the effect of bank-specific determinants of Tunisian bank profitability. To account for profit persistence, we apply a dynamic panel model, using Generalized Methods of Moments (GMM) system for 16 Tunisian commercial banks, divided into 11 deposit banks and 5 development banks during the period 1999-2010. The estimates show that the evidence for profit persistence is positive and significant for both deposit and development ban...
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.
Groot, M.J.; Peppelman, G.
Due to the poor financial results of the fruit industry in the last decade, the changing trade structures and more consumer-driven fruit chains, Dutch fruit growers change their market behaviour. In these circumstances, the fruit industry itself and the applied fruit research are also changing.
Chan Leslie Soon-Lim
Full Text Available International agency or correspondent banking (corbanking is cross border bank to bank businesses that agent banks act on behalf of principals. Despite drastic changing banking environment, corbanking remains from doing business by mainly fee based, packaging reciprocal products and services, and so on. Corbanking is therefore identified as an alternative to serve clients worldwide in a strategic low cost way. Best practice to identify for entering corbanking relationships and selecting their correspondents are the themes of this paper, which are useful for financial institutions to make strategic and operational decisions for their expansion. Eighteen determinant factors to establish corbanking relationships and nineteen selection criteria of correspondents were identified through literature reviews, case studies, and exploratory surveys. Empirical surveys were conducted on 43 sample banks in Australia, which were further categorized in ten bank groups. Analytical methods included descriptive statistics and stepwise least square regression with case studies. The findings were: the most significant factor for financial institutions to enter correspondent banking systems was the bank size and a lower ranking factor was location not physically present, whereas there was different consensus for different bank groups about the selection criteria for agents overseas.
banking executives providing business trends, identifying potential sources of risk in the near future, but also for the rest part of society, both ordinary citizens and entrepreneurs with current accounts and deposits in banks.Originality/value – in essence, modelling of the systemic risk and analysis of instability causes of the banking sector applying reliable quantitative methods in Lithuania are not sufficiently developed. Researchers in other countries have established that a high threat of systemic risk is concentrated in the interbank market; many researches have been done to assess this risk, however, problems related to assessment of systemic risk and application of models always occur. The most common problem is the lack of information and assumptions, and constantly changing economic environment: emerging (or which may arise new types of transactions, the new banking regulatory conditions and other financial innovations. First, whether the country’s banking business is so dependent on each other to create the threat of the systemic risk between banks’ assets and liabilities. Second, the banking sectors of the Baltic states are essentially controlled by large foreign banking groups, so there is no doubt that the international financial groups’ liquidity problems could spill over to other banks in the Baltic states. On the other hand, a question remains essentially and completely unexplored: how and why such problems could spill over in the Baltic Sea region countries? Also, little attention has been paid to the reliability of interbank payment systems and to the analysis of this object as a potential source of systemic risk.Research type: literature review, general review.
Full Text Available After the 2008 crisis, the tasks of economic policies and the institutions’ structure underwent many changes both at world economy and European level. The paper focuses on the banking system stability, the effects of the fast pre-crisis leveraging and the fast post- crisis deleveraging, and their impact on the banking system. The most relevant methods used in this field deal with the analysis of banking sector-oriented economic policies adopted during the crisis, on the one hand, and the analysis of indicators assessing the crisis fallout on the banking sector, on the other hand.
Full Text Available This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in state-owned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-state-owned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime.
Full Text Available We examine how the level deposit insurance coverage affects bank liquidity. We also test the role of ownership in the relationship between deposit insurance coverage and bank liquidity. This study uses quarterly data of Indonesian banks from Q1:2002 - Q2:2008. We argue that the presence of explicit deposit insurance changes a bank‘s behavior in liquidity management in the form of decreasing asset liquidity. We find some evidence on the negative impact of deposit insurance coverage on bank liquidity. However, little is found on the role of ownership structure. The credibility of deposit insurance system and implicit guarantee are the main policy implications.
The overall objective of this study was to determine the effect of Basel ll on the South African banking system through possible changes in the way in which a bank conducts its business. This purpose arose from the publication of the new Basel ll Framework on 26 June 2004, which has been adopted for implementation by the South African Reserve Bank. South Africa has set January 1, 2008 as the implementation date for Basel ll. The South African banks have mainly been focussing their efforts on ...
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.
Full Text Available The aim of the Paper is to characterise and analyse the biggest Czech banks Annual reports (ARs. Since 2004, the behaviour of Czech banks has been changing, as can be seen – inter alia - from the big banks´ financial statements and annual reports. During the period of 2007 – 2013 the implementation of IFRS continued and its impact on the institutional structure of banking is visible. From the point of view of banks, annual reports present not only the financial results, but they serve as an important instrument of competition and marketing as well. Comparative analysis of the three Czech leading banks gives a picture of their specific features as reflected in their annual statements.
Full Text Available The aim of our paper is to empirically investigate the impact of the changes in macroeconomic environment on the financial soundness of the banking sector (as measured by bank Z-score in 11 Central and Eastern European countries, over the period 2000-2014. The results of our empirical study indicate that the financial soundness of the banking sector in our sample countries is heavily influenced by unemployment and inflation rates, foreign exchange rate, current account balance, public debt, and financial depth. Overall, our study underlines the crucial importance of ensuring a healthy and sound macroeconomic environment for the financial soundness of banks. Also, our research highlights that, out of all the macroeconomic factors analyzed, the dynamics of bank credit to the private sector is the main risk factor for the soundness of the banking sector in CEE countries, which calls for its rigorous monitoring.
Full Text Available The banking incomes and costs represent an important source of information regarding the profitability of a bank. The paper aims to analyse the current financial world crisis. After describing its causes and effects, the study focuses on the crisis’ impact on the global economy; Romania is the core of this analysis, as it is a country which feels very strongly the effects of the international financial turmoil. In a banking environment such as Romania's, constantly changing and subject to the pressure of a fierce competition, all the attention of the banks management teams is oriented towards the costs and their possible reduction in regard to maximizing the profit. In this context we considered as particularly important the analysis of the bank costs within the framework of the Romanian banking system, analysis which targets their structure on one side and their evolution and efficiency on the other side.
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.
Full Text Available Bank consolidation has substantially decreased the number of banks in European banking, which has had important implications for the banking sectors structure in all EU member countries. The consolidation processes have had a tremendous impact on the developments in banking sectors of new EU member countries, wheremajor structural changes have been initiated mostly by new entrant banks from the old EU member countries. The future banking development in new EU member countries will very likely follow some main patterns known from the old EU members. Rather speculative conjectures, which are based on a comparison with banking sectors in other EU member countries indicate, that the total-asset-to-GDPratio in new member countries should further improve in the future. The banking sector growth will be based mostly on the growth of the credit to non-banking sector, while banks are not expected anymore to use non-bank deposits as a predominant way of funding. Instead potentials for alternative funding possibilities should be activated. Although the non-bank financial intermediaries in new EU membersrepresent a serious competition to banks, their relative underdevelopment prevents them from impacting the developments in banking sectors as known from old EU member countries.
Full Text Available The aim of the study was to analyse the diversity of return on equity in the cooperative banks in Poland in 2010– 2014. The analysis was conducted using data of the Polish Financial Supervision Authority, on the basis of a modifi ed decomposition rate of return on equity. Assessment of the rate of return on equity was made in a size of banks, as determined by the value of assets. In addition, in order to determine the strength and direction of impact the individual components of the model on the formation of return on equity method was applied functional. The study suggests that cooperative banks eff ectively use the equity, because the rate of return on equity was signifi cantly higher than the rate of return on assets. The average return on assets in 2010–2014 was relatively lower in the largest banks and ranged from 0.7–0.9%, and the smallest banks return on assets was approximately 1%. In turn, the return on equity was higher at banks with major assets (over 200 million PLN. In 2013–2014 the rate of return both on assets and equity expressly declined. The main determinants of changes in return on equity were changing the multiplier reduction of profi t from banking activities by operating costs and costs of banking risk and return on assets, as well as measured result on banking activities.
Full Text Available The article addresses the question whether the New Development Bank (NDB will promote the role of the BRICS countriesin the global financial architecture and foster their development. It begins by comparing the key multilateral developmentbanks (World Bank, Asian Development Bank, African Development Bank and Inter-American Development Bank,European Bank for Reconstruction and Development and national development banks of the BRICS countries with thenewly established institution. The NDB’s purpose is to mobilize resources for infrastructure and sustainable developmentprojects in the member countries. This purpose, as author concludes on the base of the analysis, partly duplicates the workof the existing institutions. However, the NDB could add to the functions of the existing institutions and become a significantdevelopment bank for its members. The best way to achieve this significance is to implement multilateral projects in the areasmentioned above. The article also examines the current role of the BRICS countries in the global financial architecture andthe potential for an increased role, brought by the establishment of the BRICS bank. The founding countries of the NDB willjointly determine the volume and directions of its financial aid. In addition, in contrast to the Bretton Woods institutions,the BRICS countries can change the rules of the development financial aid, particularly the conditions and system formonitoring results. The article concludes that the BRICS countries have created a possible way to change the current systemof development finance and therefore to increase the role of the BRICS countries in the global financial architecture.
Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.
The Nigerian banking system has over the past decade experienced significant and rapid structural changes, with a lot of important effects on the degree of competitiveness of the banking industry using firm level balance sheet and income statement data for the period 1997 to 2001. We adopt the conjectural variation ...
Abstract: This paper investigates the credit supply of banks in response to domestic and foreign real estate price changes. Using a large international dataset of multinational banks, we find evidence of a significant transmission of domestic real estate shocks into lending abroad. A 1% decrease in
Since the 1990s, economic liberalization and labour reforms have brought about significant changes to the banking and domestic service sectors in Ghana. On the one hand, domestic service is becoming increasingly formalized, procured through agents and agencies. On the other hand, banking - traditionally a bastion of ...
Women's Work in Domestic Service and Banking in Ghana : Formalizing the Informal and Informalizing the Formal? ... On the other hand, banking - traditionally a bastion of formality and long-term employment - is changing with the introduction of labour agencies. ... Call for submissions: Cultivate Africa's Future - Phase 2.
R P Narayan
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.
Full Text Available The financial system in general and banking system in particular in Kosovo, is one of the most stable sectors, even though the Kosovo Economy is not in any enviable position and a stable financial system which would have an impact on greater economic growth. The focus of this research will be in the structure and organization of the financial system in Kosovo with particular emphasis on Kosovo's banking system for 2015. In this research we are focused on the Commercial Banks operating in the framework of the banking sector in Kosovo, what is their capital, how many banks have local- and how many have foreign capital, by whom are licensed and supervised, how is the loans potential of commercial banks in Kosovo, how much and how was the variation of interest rates on loans and deposits for 2015 and their comparison with the previous year, what is capital sufficiency and how many commercial banks do have liquidity in Kosovo? Kosovo banking sector exposure to risk will also have a special attention where it is known that there are several types of financial risk and they are: crediting risk, liquidity risk, market risk, operational risk, etc. Our interest in this research will be focused on liquidity risk and the analysis about the management of each bank including some specific regulative frameworks such as: framework of the Basel Committee known as Basel I, Basel II and more recently Basel III, which have strict rules and which change from time to time depending on financial flows or potential crises.
Emanuela Mihaela Savu
Full Text Available The research comprises four chapters: internationalization and banking concentration – in the last two decades, banking systems from developed economies undergoing an unprecedented process of transformation: due to the internationalization and to the concentration of the banking activities; multinational banks – globalization led to the appearance of new centers of power, exercising a seemingly growing influence; banking partnerships/alliances – have become an alternative to the organic growth strategies, engaging in diverse organizational structures, from distribution agreements on various financial services to the formation of new entities; free banking areas – have set the pace for new trends in the global financial services industry.
Ebubeogu Amarachukwu Felix
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.
Verrips, G.H.W.; Schuller, A.A.
Aim: To determine whether the subjective oral health (SOH) of the Dutch adult population was associated with clinical and demographic variables. Methods: A clinical examination was conducted in a sample of 1,018 people from the Dutch city of ‘s-Hertogenbosch. SOH was measured using the Dutch translation of the short form of the Oral Health Impact Profile (OHIP-NL14). Results: The average score on the OHIP-NL14 was 2.8 ± 5.9 and 51% of the respondents had a score of 0. Dental status was the mo...
Pilon, Suléne; van Huyssteen, Gerhard; Augustinus, Liesbeth
HLT resource development for a resource scarce language (L2) can be expedited by recycling existing technologies for a closely related language (L1). To improve the success of L1 technologies on L2 data, one can convert L2 data to make it appear more L1-like. We explore this possibility by developing an Afrikaans-to-Dutch lexical conversion module and using it as pre-processing step before applying a Dutch part of speech tagger to Afrikaans data. The accuracy of the Dutch tagger increased ...
Trussell, James; Pebley, Anne R.
The relationship between changes in the timing and quantity of fertility, such as those that might result from an effective family planning program in developing countries, and changes in child and maternal mortality is examined. Results from five multivariate studies estimate the changes in mortality that might occur from altering maternal age,…
... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking...
... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Banks desiring to become member banks. 209.2 Section 209.2 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring to...
Alexiou, Constantinos; Sofoklis, Voyazas
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...
D. M. Lawler
Full Text Available This paper examines river bank retreat rates, individual erosion events, and the processes that drive them in the Upper Severn basin, mid-Wales, UK. Traditional erosion pin networks were used to deliver information on patterns of downstream change in erosion rates. In addition, the novel automatic Photo-Electronic Erosion Pin (PEEP monitoring system was deployed to generate near-continuous data on the temporal distribution of bank erosion and accretion: this allowed focus on the magnitude and timing of individual erosional and depositional events in relation to specific flow episodes. Erosion dynamics data from throughout the Upper Severn basin are combined with detailed information on bank material properties and spatial change in channel hydraulics derived from direct field survey, to assess the relationships between flow properties and bank erosion rates. Results show that bank erosion rates generally increase downstream, but relate more strongly to discharge than to reach-mean shear stress, which peaks near the basin head. Downstream changes in erosion mechanisms and boundary materials, across the upland/lowland transition (especially the degree of development of composite bank material profiles, are especially significant. Examples of sequences of bank erosion events show how the PEEP system can (a quantify the impact of individual, rather than aggregated, forcing events, (b reveal the full complexity of bank response to given driving agents, including delayed erosion events, and (c establish hypotheses of process-control in bank erosion systems. These findings have important implications for the way in which bank erosion problems are researched and managed. The complex responses demonstrated have special significance for the way in which bank processes and channel-margin sediment injections should be handled in river dynamics models.