WorldWideScience

Sample records for cultural memory banking

  1. Cultural Memory Banking in Preservice Science Teacher Education

    Science.gov (United States)

    Handa, Vicente C.; Tippins, Deborah J.

    2012-12-01

    This study focused on the exemplification of cultural memory banking as an ethnographic tool to understand cultural practices relevant to science teaching and learning in a rural coastal village in a central island of the Philippine archipelago. Using the collaborative action ethnography as a research methodology, 10 prospective science teachers and a science teacher educator/doctoral candidate formed a research team and documented community funds of knowledge relevant to science teaching and learning through their participation in a Community Immersion course. The study employed the use of the cultural memory banking as a meditational tool to analyze, make sense of, and represent interview, focus-group discussion, and observation data, among others, for the development of culturally relevant science lessons. Originally used as an anthropological tool to preserve cultural knowledge associated with the cultivation of indigenous plant varieties, the cultural memory banking, as adapted in science education, was used, both as a data collection and analytic tool, to locate relevant science at the intersection of community life. The research team developed a cultural memory bank exemplar, "Ginamos: The Stinky Smell that Sells," to highlight the learning experiences and meaning-making process of those involved in its development. Dilemmas and insights on the development and use of cultural memory banking were discussed with respect to issues of knowledge mining and mainstreaming of indigenous/local funds of knowledge, troubling the privileged position of Western-inspired nature of science.

  2. Cultural Memory Banking in Preservice Science Teacher Education

    Science.gov (United States)

    Handa, Vicente C.; Tippins, Deborah J.

    2012-01-01

    This study focused on the exemplification of cultural memory banking as an ethnographic tool to understand cultural practices relevant to science teaching and learning in a rural coastal village in a central island of the Philippine archipelago. Using the collaborative action ethnography as a research methodology, 10 prospective science teachers…

  3. Cultural Memory Banking in Preservice Science Teacher Education

    Science.gov (United States)

    Handa, Vicente C.; Tippins, Deborah J.

    2012-01-01

    This study focused on the exemplification of cultural memory banking as an ethnographic tool to understand cultural practices relevant to science teaching and learning in a rural coastal village in a central island of the Philippine archipelago. Using the collaborative action ethnography as a research methodology, 10 prospective science teachers…

  4. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’

  5. Tracing Cultural Memory

    DEFF Research Database (Denmark)

    Wiegand, Frauke Katharina

    We encounter, relate to and make use of our past and that of others in multifarious and increasingly mobile ways. Tourism is one of the main paths for encountering sites of memory. This thesis examines tourists’ creative appropriations of sites of memory – the objects and future memories inspired...... by their encounters – to address a question that thirty years of ground - breaking research into memory has not yet sufficiently answered: What can we learn about the dynamics of cultural memory by examining mundane accounts of touristic encounters with sites of memory? From Blaavand Beach in Western Denmark...... to Soweto’s Regina Mundi Church, this thesis analyses tourists’ snapshots at sites of memory and outlines their tracing activity in cultural memory. It draws on central concepts of actor - network theory and visual culture studies for a cross - disciplinary methodology to comprehend the collective...

  6. Tracing Cultural Memory

    DEFF Research Database (Denmark)

    Wiegand, Frauke Katharina

    to Soweto’s Regina Mundi Church, this thesis analyses tourists’ snapshots at sites of memory and outlines their tracing activity in cultural memory. It draws on central concepts of actor - network theory and visual culture studies for a cross - disciplinary methodology to comprehend the collective...

  7. Save Now [Y/N]? Machine Memory at War in Iain Banks' "Look to Windward"

    Science.gov (United States)

    Blackmore, Tim

    2010-01-01

    Creating memory during and after wartime trauma is vexed by state attempts to control public and private discourse. Science fiction author Iain Banks' novel "Look to Windward" proposes different ways of preserving memory and culture, from posthuman memory devices, to artwork, to architecture, to personal, local ways of remembering.…

  8. Save Now [Y/N]? Machine Memory at War in Iain Banks' "Look to Windward"

    Science.gov (United States)

    Blackmore, Tim

    2010-01-01

    Creating memory during and after wartime trauma is vexed by state attempts to control public and private discourse. Science fiction author Iain Banks' novel "Look to Windward" proposes different ways of preserving memory and culture, from posthuman memory devices, to artwork, to architecture, to personal, local ways of remembering.…

  9. Mediated Cultural Memories

    DEFF Research Database (Denmark)

    Frølunde, Lisbeth; Bjerregaard, Mette

    2013-01-01

    (A revised, full paper will be published in the journal Mediekultur, spring 2014) This paper explores two examples of narratives representing memories of acts of mass violence: Gzim Rewind (Sweden, 2011, director Knutte Wester) about 1990’s Kosovo, and The Act of Killing (Denmark, 2012, director...... perspectives of semiosis (meaning-making) in relation to the films as redefining genres and what sorts of meanings different audiences create about the films. Acts of mass violence, including murder on civilians, genocide, and wars, can be seen as seeds for memories of the involved persons and following...... generations. Acts of mass violence also construct a sort of looking glass of culturally dominant memories that are mediated through stories: retold as oral stories through generations, as myths or sagas, or remediated in contemporary documentary or fiction films. In these processes of retelling acts...

  10. CULTURE TRANSFORMATION: LESSONS FROM BANK MANDIRI AND BANK BRI

    Directory of Open Access Journals (Sweden)

    Mahmuddin Yasin

    2014-11-01

    Full Text Available This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO. The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1 integration human resources planning with corporate plan, (2 skill development accommodating individual, organizational and business needs, (3 effective strategy aligned with appropriate system and proper business orientation, (4 suitable organizational structure with internal and external business environment, (5 system development oriented to customer satisfaction, (6 proper style of leadership that affects organizational culture and financial performance, (7 implementation of organizational culture in increasing corporate performance, and (8 consistency in socializing and implementing corporate culture.

  11. Folklore, creativity, and cultural memory

    DEFF Research Database (Denmark)

    Glaveanu, Vlad Petre

    This paper addresses the question of how folk art can be, simultaneously, a vehicle for cultural memory and cultural creativity. It takes the case of Romanian Easter egg decoration as a practice situated at the intersection between art, folklore, religion and a growing market, it order to unpack...... from an early age. At the core of this practice stands the depiction of patterned ornaments known as motifs. These ornaments are constitutive of identity and memory and their decorative features facilitate and encourage the creative expression of folk artists. Tradition in this sense is not by any...... means the opposite of creativity but the actual vehicle of creative activity and its understanding as a stable cultural system ‘engraved’ in collective memory needs to be challenged. The tradition of egg decoration in Romania is a living and evolving social practice that engages the self and community...

  12. Folklore, creativity, and cultural memory

    DEFF Research Database (Denmark)

    Glaveanu, Vlad Petre

    This paper addresses the question of how folk art can be, simultaneously, a vehicle for cultural memory and cultural creativity. It takes the case of Romanian Easter egg decoration as a practice situated at the intersection between art, folklore, religion and a growing market, it order to unpack...... from an early age. At the core of this practice stands the depiction of patterned ornaments known as motifs. These ornaments are constitutive of identity and memory and their decorative features facilitate and encourage the creative expression of folk artists. Tradition in this sense is not by any...... means the opposite of creativity but the actual vehicle of creative activity and its understanding as a stable cultural system ‘engraved’ in collective memory needs to be challenged. The tradition of egg decoration in Romania is a living and evolving social practice that engages the self and community...

  13. Mediated Cultural Memories

    DEFF Research Database (Denmark)

    Frølunde, Lisbeth; Bjerregaard, Mette

    2013-01-01

    (A revised, full paper will be published in the journal Mediekultur, spring 2014) This paper explores two examples of narratives representing memories of acts of mass violence: Gzim Rewind (Sweden, 2011, director Knutte Wester) about 1990’s Kosovo, and The Act of Killing (Denmark, 2012, director...... Joshua Oppenheimer) about 1960’s Indonesia. The two films, in very different ways, focus on persons who tell about their involvement in acts of mass violence. Both films are told as "a film within a film" and experiment with “documentary” as genre. The two film projects and audiences are analyzed from...... perspectives of semiosis (meaning-making) in relation to the films as redefining genres and what sorts of meanings different audiences create about the films. Acts of mass violence, including murder on civilians, genocide, and wars, can be seen as seeds for memories of the involved persons and following...

  14. The GEMBA-management role in bank culture

    OpenAIRE

    Novikova, K.; Kerzina, E.; Nekrasova, D.

    2013-01-01

    The article is devoted to the concept of bank culture, the content of its under systems and elements. Moreover the article reveals the experience of Japanese concept “gemba - kaidzen” usage in the trading bank staff management and suggests the mechanism of its implementation with the aim of banking services quality improvement and expenses optimization.

  15. Business culture and dishonesty in the banking industry.

    Science.gov (United States)

    Cohn, Alain; Fehr, Ernst; Maréchal, Michel André

    2014-12-04

    Trust in others' honesty is a key component of the long-term performance of firms, industries, and even whole countries. However, in recent years, numerous scandals involving fraud have undermined confidence in the financial industry. Contemporary commentators have attributed these scandals to the financial sector's business culture, but no scientific evidence supports this claim. Here we show that employees of a large, international bank behave, on average, honestly in a control condition. However, when their professional identity as bank employees is rendered salient, a significant proportion of them become dishonest. This effect is specific to bank employees because control experiments with employees from other industries and with students show that they do not become more dishonest when their professional identity or bank-related items are rendered salient. Our results thus suggest that the prevailing business culture in the banking industry weakens and undermines the honesty norm, implying that measures to re-establish an honest culture are very important.

  16. German financial media's responsiveness to Deutsche Bank's cultural change

    NARCIS (Netherlands)

    Strauß, N.

    2015-01-01

    Based on first-order and second-order agenda building theory, this study analyzes the responsiveness of German financial media to frames of the "cultural change" proclaimed in the banking industry, exemplified by Deutsche Bank. Findings suggest a difference between the two major German financial med

  17. Memory and Culture in Social Movements

    DEFF Research Database (Denmark)

    Doerr, Nicole

    2014-01-01

    on psychoanalytical, visual, and historical approaches. Movement scholars who focused on narrative, discourse, framing, and performance show how activists actively construct and mobilize collective memory. We know much less, however, about interactions between multiple layers and forms of remembering stored in images...... for reconciliation. How do social movements construct and use memory, and how does the politics of memory shape cultural meaning-making in movements? To begin answering this question, my contribution brings together a cultural sociology of social movements with an interdisciplinary analysis of memory drawing......, stories, or performances, or discursive forms. How do conflicting or contradictory memories about the past inside movement groups condition activists’ ability to speak, write, and even think about the future? While previous work conceived of memory in movements as a subcategory of narrative, discourse...

  18. Vukovar 1991 Battle and Cultural Memory

    Directory of Open Access Journals (Sweden)

    Sandra Cvikić

    2014-03-01

    Full Text Available In this paper it is argued that Vukovar 1991 Battle traumatic memory wearing away process is a social issue and cannot be simply amputated by modernist narratives from accumulated traces of the past. Instead, those traumatic memories are constantly reconstructed, repressed, or transformed in some way or another under the pressure of manipulative power politics and competing ideologies in contemporary Croatian society.  Therefore, the question this paper asks is whether war crimes and atrocities committed in Vukovar 1991 have its meaningful place in the Croatian cultural memory and whether  social research techniques into contemporary cultural memory in Croatia can afford to avoid testimonial narrations of the Vukovar 1991 Battle and war experiences since they are an integral part of the collective memory?

  19. Cultural Memory in the Classroom Public Space

    Science.gov (United States)

    Ching, Stuart

    2011-01-01

    How does the National Council of Teachers of English (NCTE) help teachers and students foster cultural memory? In this article, the author underscores three areas of NCTE that have facilitated the integration of his experiences and cultural background into his teaching mission. First, NCTE has published groundbreaking research in this area: most…

  20. Resistance to Mobile Banking Adoption in Egypt: A Cultural Perspective

    Directory of Open Access Journals (Sweden)

    Rehaballah Elbadrawy

    2011-12-01

    Full Text Available Mobile banking (m-banking faces various types of resistance that may hinder customers’ adoption inEgypt. This study identifies three groups of m-banking non-adopters, namely postponers, opponents andrejectors. The objective of the study is to explore the reasons for resisting m-banking services in Egypt andwhether it differs with regards to these customer groups. Accordingly, a questionnaire was distributed, Chisquare tests, Kruskal-Wallis H tests and one-way analysis of variance (ANOVA test. Frequencies andcross tabulations were used. The results indicate that the three non-adopter groups differ significantly withrespect to usage, value, and image barriers. On the other hand, risk and tradition barriers did not showany statistical significance; however, risk barrier received the highest overall mean. Significant relationsbetween usage, risk and image barriers with the gender and level of education were noted. Finally, findingsenabled a clear mapping between Hofstede’s cultural dimensions and the study’s results.

  1. Written memory: authorship and cultural identity

    Directory of Open Access Journals (Sweden)

    Norma Seltzer Goldstein

    2016-07-01

    Full Text Available This article is based on a research work in progress which approaches the relationship between written from memory, discourse and cultural identity. This choice rests on the idea that memory, identity and sense of belonging are intrinsically related. The memory space is also the space of the “ressignification”: the space where we construct and reconstruct representations and identities. We build representations of the past according to the representations we make of the present, and both are contaminated by representations socially and historically constructed. Such concepts are associated with the concepts of autonomy (FREIRE, 2002, agency (BAZERMAN, 2011; KLEIMAN, 2006 and authorship (BAZERMAN, 2011.

  2. Cross-Cultural Perspectives on Pitch Memory

    Science.gov (United States)

    Trehub, Sandra E.; Schellenberg, E. Glenn; Nakata, Takayuki

    2008-01-01

    We examined effects of age and culture on children's memory for the pitch level of familiar music. Canadian 9- and 10-year-olds distinguished the original pitch level of familiar television theme songs from foils that were pitch-shifted by one semitone, whereas 5- to 8-year-olds failed to do so (Experiment 1). In contrast, Japanese 5- and…

  3. Cross-Cultural Perspectives on Pitch Memory

    Science.gov (United States)

    Trehub, Sandra E.; Schellenberg, E. Glenn; Nakata, Takayuki

    2008-01-01

    We examined effects of age and culture on children's memory for the pitch level of familiar music. Canadian 9- and 10-year-olds distinguished the original pitch level of familiar television theme songs from foils that were pitch-shifted by one semitone, whereas 5- to 8-year-olds failed to do so (Experiment 1). In contrast, Japanese 5- and…

  4. System and method for programmable bank selection for banked memory subsystems

    Energy Technology Data Exchange (ETDEWEB)

    Blumrich, Matthias A. (Ridgefield, CT); Chen, Dong (Croton on Hudson, NY); Gara, Alan G. (Mount Kisco, NY); Giampapa, Mark E. (Irvington, NY); Hoenicke, Dirk (Seebruck-Seeon, DE); Ohmacht, Martin (Yorktown Heights, NY); Salapura, Valentina (Chappaqua, NY); Sugavanam, Krishnan (Mahopac, NY)

    2010-09-07

    A programmable memory system and method for enabling one or more processor devices access to shared memory in a computing environment, the shared memory including one or more memory storage structures having addressable locations for storing data. The system comprises: one or more first logic devices associated with a respective one or more processor devices, each first logic device for receiving physical memory address signals and programmable for generating a respective memory storage structure select signal upon receipt of pre-determined address bit values at selected physical memory address bit locations; and, a second logic device responsive to each of the respective select signal for generating an address signal used for selecting a memory storage structure for processor access. The system thus enables each processor device of a computing environment memory storage access distributed across the one or more memory storage structures.

  5. Digital Extension of Music Memory Music as a Collective Cultural Memory

    Directory of Open Access Journals (Sweden)

    Dimitrije Buzarovski

    2014-11-01

    Full Text Available Artistic works represent a very important part of collective cultural memory. Every artistic work, by definition, can confirm its existence only through the presence in collective cultural memory. The migration from author’s individual memory to common collective cultural memory forms the cultural heritage. This equally applies to tangible and intangible cultural artifacts. Being part of collective cultural memory, music reflects the spatial (geographic and temporal (historic dimensions of this memory. Until the appearance of written signs (scores music was preserved only through collective cultural memory. Scores have facilitated further distribution of music artifacts. The appearance of different means for audio, and later audio/video recordings have greatly improved the distribution of music. The transition from analog to digital recording and carriers has been a revolutionary step which substantially extended the chances for the survival of music artifacts in collective memory.

  6. Bankers Focus on Clients – But What Do Banks Do? : Report of the Dutch banking culture survey 2014

    NARCIS (Netherlands)

    I.P. van Staveren (Irene); R. van Tilburg (Rens)

    2015-01-01

    markdownabstractBank employees in the Netherlands want to focus on clients and the interests of their clients. But they feel constrained to do so by the dominant banking culture. They have low trust in their employers, they feel not motivated by the targets they are required to meet, and they experi

  7. Hardware format pattern banks for the Associative memory boards in the ATLAS Fast Tracker Trigger System

    CERN Document Server

    Grewcoe, Clay James

    2014-01-01

    The aim of this project is to streamline and update the process of encoding the pattern bank to hardware format in the Associative memory board (AM) of the Fast Tracker (FTK) for the ATLAS detector. The encoding is also adapted to Gray code to eliminate possible misreadings in high frequency devices such as this one, ROOT files are used to store the pattern banks because of the compression utilized in ROOT.

  8. Camera Arriving at the Station: Cinematic Memory as Cultural Memory

    Directory of Open Access Journals (Sweden)

    Russell J. A. Kilbourn

    2013-09-01

    Full Text Available This paper explores the modern metropolis as an ironically concrete metaphor for the collective memory and the mourning of cinema’s passing, as it—the “city”—is digitally constructed in two recent, auteur-directed, special effects-driven blockbuster films, Inception and Hugo. The modern city, and mass media, such as the cinema, as well as modes of mass transport, especially the train, all originate in the 19th century, but come into their own in the early 20th century in their address to a subject as the mobilised citizen-consumer who, as Anne Friedberg makes clear, is also always a viewer. Additionally, as Barbara Mennel has recently shown, the advent in Europe of trains and time zones, in their transformation of modern time and space, paved the way for cinema’s comparably cataclysmic impact upon modern subjectivity in its iconic reproduction of movement within illusory 3D space. Both films, thus, in their different ways employ cinematic remediation as a form of cultural memory whose nostalgia for cinema’s past is rendered with the latest digital effects, hidden in plain sight in the form of subjective memories (as flashback and dreams. While a version of this reading has been advanced before (at least for Hugo, this paper goes further by connecting each film’s status as remediated dream-memory to its respective dependence upon the city as a post-cinematic three-dimensional framework within which locative and locomotive desires alike determine a subject whose psyche is indistinguishable from the cityscape that surrounds him.

  9. Shape memory polymers for active cell culture.

    Science.gov (United States)

    Davis, Kevin A; Luo, Xiaofan; Mather, Patrick T; Henderson, James H

    2011-07-04

    Shape memory polymers (SMPs) are a class of "smart" materials that have the ability to change from a fixed, temporary shape to a pre-determined permanent shape upon the application of a stimulus such as heat(1-5). In a typical shape memory cycle, the SMP is first deformed at an elevated temperature that is higher than its transition temperature, T(trans;) [either the melting temperature (T(m;)) or the glass transition temperature (T(g;))]. The deformation is elastic in nature and mainly leads to a reduction in conformational entropy of the constituent network chains (following the rubber elasticity theory). The deformed SMP is then cooled to a temperature below its T(trans;) while maintaining the external strain or stress constant. During cooling, the material transitions to a more rigid state (semi-crystalline or glassy), which kinetically traps or "freezes" the material in this low-entropy state leading to macroscopic shape fixing. Shape recovery is triggered by continuously heating the material through T(trans;) under a stress-free (unconstrained) condition. By allowing the network chains (with regained mobility) to relax to their thermodynamically favored, maximal-entropy state, the material changes from the temporary shape to the permanent shape. Cells are capable of surveying the mechanical properties of their surrounding environment(6). The mechanisms through which mechanical interactions between cells and their physical environment control cell behavior are areas of active research. Substrates of defined topography have emerged as powerful tools in the investigation of these mechanisms. Mesoscale, microscale, and nanoscale patterns of substrate topography have been shown to direct cell alignment, cell adhesion, and cell traction forces(7-14). These findings have underscored the potential for substrate topography to control and assay the mechanical interactions between cells and their physical environment during cell culture, but the substrates used to date

  10. THE IMPACT OF THE FINANCIAL CRISIS ON LONG MEMORY: EVIDENCE FROM EUROPEAN BANKING INDICES

    Directory of Open Access Journals (Sweden)

    Pece Andreea Maria

    2014-07-01

    Full Text Available We have analyzed the impact of the financial crisis on the existence of the long term dependency for European banking indices. By estimating Hurst Exponent, ARFIMA and FIGARCH models we found that major financial crisis such as, Mexican, Asian and Russian, Argentine crisis and Global crisis from 2008-2009 had different effects on long memory. In the case of STOXX 600 Bank Index, when estimating an ARFIMA models by using Willinger, Taqqu and Teverovsky method, the H-estimate was higher than 0.5, highlighting the presence of long memory during Mexican and Global financial crisis from 2008-2009. In the case of MSCI Europe Bank Index we found evidence of long memory during Asian and Russian crisis and Argentine crisis. For both indices, during the Global crisis, the results of FIGARCH models reflected the presence of long term dependency in volatility with covariance non-stationary, but mean reverting, showing the likelihood of persistence of a shock for a long period. Moreover, during Argentine crisis, the results reflected evidence of stationarity intermediate memory process.

  11. How Theaters Remember: Cultures of Memory in Institutionalized Systems

    Directory of Open Access Journals (Sweden)

    Milena Dragićević Šešić

    2014-11-01

    Full Text Available The aim of this study is to explore organizational policies and strategies regarding the institutional memory of Belgrade’s repertoire theaters. The concept of institutional (organizational memory has not been developed within the culture of memory theory. The role of theater in the culture of memory has been researched mostly through studies of its repertoire, corresponding to how theaters deal with issues of glory, guilt, or shame. This study explores how theaters rethink their own past and organizational culture, how they use their capacity for re-imagining themselves, for clarifying their role and function in different historical moments. The objective of this research is to identify the main institutional policies and types of strategies used for preserving institutional memory through key narratives of remembering, and key methods of inter-generational transfer. The sample comprises of four Belgrade-based public repertoire theaters: the Yugoslav Dramatic Theater (JDP, the Belgrade Dramatic Theater (BDP, Atelje 212, and Bitef Theater. Specific attention is given to the means of transmission, of individual (episodic memories into the collective consciousness, influencing organizational cultures and shaping a theater’s identity (semantic memory. Research has shown that there are important differences in active policies of preserving institutional memory among Belgrade’s theaters. Different organizational and programming strategies were implemented in order to safeguard institutional identity and memory, particularly in theaters with a permanent ensemble. The major difference is between theaters whose culture of memory might be called “non-existent” (Bitef, or “in storage” (BDP, and those succeeding in creating a functional memory (JDP, Atelje 212.

  12. Emerging memory : photographs of colonial atrocity in Dutch cultural remembrance

    NARCIS (Netherlands)

    Bijl, P.A.L.

    2011-01-01

    Emerging Memory is about cultural memory in the Netherlands of a military expedition in the Dutch East Indies in 1904, during which the colonial army made photographs of the massacred inhabitants of several villages on the island of Sumatra. Over the past century, as this study shows, these photogra

  13. Emerging memory : photographs of colonial atrocity in Dutch cultural remembrance

    NARCIS (Netherlands)

    Bijl, P.A.L.

    2011-01-01

    Emerging Memory is about cultural memory in the Netherlands of a military expedition in the Dutch East Indies in 1904, during which the colonial army made photographs of the massacred inhabitants of several villages on the island of Sumatra. Over the past century, as this study shows, these photogra

  14. Financialization and the cultural attitude of Polish society towards the banking sector

    Directory of Open Access Journals (Sweden)

    Lech Kurkliński

    2016-10-01

    Full Text Available The article is dedicated to changes in the cultural attitude of Polish society towards the banking sector under the conditions of progressing financialization and arising consequences for the banking sector. First of all, attention is focused on the cultural characteristics of Poles, their attitude towards finance, especially in the period of transition. The main reference to cultural conditions relates to the tendency to save, incur loans, and the attitude towards banks. It is complemented, among other things, by the model of cultural dimensions by G. Hofstede and S. Schwartz, in line with which attempts are made to explain the mechanisms shaping the financial (banking system and the financialization tendency. This picture is confronted with the present shape and evolution of the Polish banking sector since 1989, including the role of foreign capital. In particular, attention is focused on the image of banks towards challenges related to the global financial crisis and the main problem of Polish banking institutions, namely household mortgage debt in foreign currencies. The author presents a thesis that significant financialization cannot be indicated in Poland and the historical and cultural aspects do not cause its expansion to the same degree as in a number of other countries. However, certain features, such as preference for loans rather than savings, are favorable for this direction.

  15. Migrant Literature as an Agency for Cultural Memory

    DEFF Research Database (Denmark)

    Ortner, Jessica

    2017-01-01

    U’s difficulties of reaching a consensus on a common solution to the current refugee crisis have revealed a fundamental gap between the cultural memories of the Western and the Eastern European countries (e.g. Ostheimer 2013; Assmann, A. 2013). Whereas the cultural memory of several Western...... the old western core of the EU perceives the past as a reminder for acting ethically correct in the future, the new member states presently need the memories of their victimization in order to (re)construct and imagine their national identities (Mälksoo 2009; Gutman et. al 2010). Hence, the member states...

  16. [Neuroscience and collective memory: memory schemas linking brain, societies and cultures].

    Science.gov (United States)

    Legrand, Nicolas; Gagnepain, Pierre; Peschanski, Denis; Eustache, Francis

    2015-01-01

    During the last two decades, the effect of intersubjective relationships on cognition has been an emerging topic in cognitive neurosciences leading through a so-called "social turn" to the formation of new domains integrating society and cultures to this research area. Such inquiry has been recently extended to collective memory studies. Collective memory refers to shared representations that are constitutive of the identity of a group and distributed among all its members connected by a common history. After briefly describing those evolutions in the study of human brain and behaviors, we review recent researches that have brought together cognitive psychology, neuroscience and social sciences into collective memory studies. Using the reemerging concept of memory schema, we propose a theoretical framework allowing to account for collective memories formation with a specific focus on the encoding process of historical events. We suggest that (1) if the concept of schema has been mainly used to describe rather passive framework of knowledge, such structure may also be implied in more active fashions in the understanding of significant collective events. And, (2) if some schema researches have restricted themselves to the individual level of inquiry, we describe a strong coherence between memory and cultural frameworks. Integrating the neural basis and properties of memory schema to collective memory studies may pave the way toward a better understanding of the reciprocal interaction between individual memories and cultural resources such as media or education.

  17. VIRTUAL WORLD OF CULTURAL MEMORY: HONG KONG VARIANT

    Directory of Open Access Journals (Sweden)

    Tolkacheva, V.A.

    2016-07-01

    Full Text Available The article considers ways and forms of cultural memory preservation of Hong Kong as the unique place which harmoniously combines features of the European and Asian cultures for many years. Who are they: Chinese or Europeans? What do they prefer to remember about themselves?

  18. Beyond the Archive: Cultural Memory in Dance and Theater

    Directory of Open Access Journals (Sweden)

    Carol L. Bernstein

    2007-01-01

    Full Text Available This essay uses the concept of the constellation to characterize the relations among interdisciplinarity, cultural memory, and comparative literature. To do so entails: (a reviewing the paradoxical interdisciplinarity of comparative literature, (b tracing its establishment at a liberal arts college (Bryn Mawr College, USA, and (c describing a course on “The Cultural Politics of Memory” that tested the limits of scholarship and testimony. The discussion includes an account of an unusual conference on cultural memory: that is, the ways in which different cultural groups identify and describe their shared pasts. The informality and collegial dialogue of the conference were associated with a liberal arts context. It then turns to the question of theorizing aspects of cultural memory that are conveyed at the margins of conventional discourse: by what is largely unsaid, or represented in dance or pantomime. Because each of the performances discussed here is related in a distinct way to a preceding historical trauma (the Khmer Rouge regime in Cambodia, African American slavery in the USA, the terrorism of the Shining Path in Peru, it was important to determine what source of memory, what archival materials, could persist through traumas that often suppress memory. Traditional archives consist of written documents. Moreover, they often support or represent official histories. New ways of thinking about archives--their composition, their place in cultural history, and their theoretical dimensions--have suggested new approaches to cultural memory. The essay ends with accounts of three forms of dance or pantomime that convey cultural histories informed by trauma in significantly different ways. A narrative thread foregrounds the close relations between scholarship and pedagogy.

  19. CULTURE OF MEMORY AND SOME MODELS OF MEMORY ABOUT THE ARMENIAN GENOCIDE IN CONTEMPORARY ARMENIAN SOCIETY

    Directory of Open Access Journals (Sweden)

    A. V. ATANESYAN

    2016-01-01

    Full Text Available The article reveals modern approaches to the culture of collective memory addressing the cornerstone historical events which influenced the further course of history and national identity construction. The question of how to construct the collective memory about wars, genocide, mass suffering is one of the most important issues in the modern historiography, sociology and social psychology, political science, and related disciplines. The "politics of memory", which also includes such categories as "ethics and culture of memory," essentially determines the ability of the nation to overcome its collective trauma, to find ways for selfdevelopment and development of the country, and the further role and place of the nation in the system of international relations. This article discusses the current research studies on the culture of memory applied to the Holocaust, the present approaches to the definition and implementation of strategies of politics of memory, and memory models developed by modern scholars on the Holocaust remembrance. The Armenian Genocide of 1915 in the Ottoman Empire serves as object of the analysis. The subject of the analysis includes the approaches to the memory about the Armenian Genocide in the modern Armenian society, which is discussed here as the complex culture of memory on the Armenian Genocide, which is partly resulted of the official politics of memory implemented by Armenian authorities, as well as practiced by the Armenian Diaspora, and is partly a consequence of manifestations of national identity and collective memory at the level of society, social groups and individuals. The article is an attempt to identify the memory models in scientific research studies, in particular with regard to the memory of the Holocaust, and analyze their application / applicability to the culture and social practices of the memory of the Armenian Genocide.

  20. Stories on country life: female memories and cultural legacy

    OpenAIRE

    Janine Gomes da Silva

    2009-01-01

    This article derives its context from studies on genre, historical memory and cultural legacy as well. It discusses some data related to the daily way of life including kitchen matters, all observed in the surrounding land road homes of Joinville. This town is located at the Northeast of Santa Catarina, a Southern State in Brazil. Due to the new approaches of the preservation of cultural legacies in relation to tourism and culture itself, there is the question about how the different country ...

  1. Shape Memory Polymers for Active Cell Culture

    OpenAIRE

    Davis, Kevin A.; Luo, Xiaofan; Mather, Patrick T.; Henderson, James H.

    2011-01-01

    Shape memory polymers (SMPs) are a class of "smart" materials that have the ability to change from a fixed, temporary shape to a pre-determined permanent shape upon the application of a stimulus such as heat1-5. In a typical shape memory cycle, the SMP is first deformed at an elevated temperature that is higher than its transition temperature, Ttrans [either the melting temperature (Tm) or the glass transition temperature (Tg)]. The deformation is elastic in nature and mainly leads to a reduc...

  2. Popular Music Memories : Places and Practices of Popular Music Heritage, Memory and Cultural Identity

    NARCIS (Netherlands)

    A.J.C. van der Hoeven (Arno)

    2014-01-01

    markdownabstract__Abstract __ Ever since the late 1950s, people have grown up with popular music as an important element of their daily lives. This dissertation explores the connections between popular music memories, cultural identity and cultural heritage, looking at the different ways in

  3. Popular Music Memories : Places and Practices of Popular Music Heritage, Memory and Cultural Identity

    NARCIS (Netherlands)

    A.J.C. van der Hoeven (Arno)

    2014-01-01

    markdownabstract__Abstract __ Ever since the late 1950s, people have grown up with popular music as an important element of their daily lives. This dissertation explores the connections between popular music memories, cultural identity and cultural heritage, looking at the different ways in which

  4. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

    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.

  5. Individualism and the field viewpoint: cultural influences on memory perspective.

    Science.gov (United States)

    Martin, Maryanne; Jones, Gregory V

    2012-09-01

    Two perspectives from which memories can be retrieved have been distinguished: field resembles the view from the first-person vantage point of original experience, whereas observer resembles the view from the third-person vantage point of a spectator. There is evidence that the incidences of the two types of perspective differ between at least two different cultural groups. It is hypothesised here that this is a special case of a more general relation between memory perspective and cultural individualism, such that field and observer perspectives are more prevalent among people from, respectively, relatively individualist and relatively collectivist societies. Memory perspectives adopted by participants from a range of different countries were recorded, and were found to vary in the predicted manner. Regression analysis showed that the potential effects of three other cultural variables - uncertainty avoidance, masculinity and, to a lesser extent, power distance - were eclipsed by the influence of individualism, and the implications are discussed.

  6. Memory culture and the contemporary city : building sites

    DEFF Research Database (Denmark)

    Staiger, Uta; Steiner, Henriette; Webber, Andrew

    "These essays by leading figures from academia, architecture and the arts consider how cultures of memory are constructed for and in contemporary cities. They take Berlin as a key case of a historically burdened metropolis, but also extend to other global cities: Jerusalem, Buenos Aires, Cape Tow...... and New York"--Provided by publisher......."These essays by leading figures from academia, architecture and the arts consider how cultures of memory are constructed for and in contemporary cities. They take Berlin as a key case of a historically burdened metropolis, but also extend to other global cities: Jerusalem, Buenos Aires, Cape Town...

  7. Review of Cultural performance on Nanking Massacre Memorial Squares

    Institute of Scientific and Technical Information of China (English)

    黄妍

    2015-01-01

    For this nation,the memory of Nanking Massacre has been a trauma.300,000 Chinese killed,an apology is still owed.Chinese people seek to speak in international community about their grief,discontent and wounded pride.Anti-Japanese activism including boycott of Japanese products and on street demonstration were irrational and once extreme.There have been cultural performances on Nanking Massacre Memorial Squares since 1985.Wishes from rational and irrational Chinese people gathered,a nation’s culture and mentality are performed.

  8. Memory Archive through the Substance of Yoruba Musical Culture ...

    African Journals Online (AJOL)

    Memory Archive through the Substance of Yoruba Musical Culture. ... The texts of songs often give us more insight into the past than the survivors in the present ... Not only so, songs are sources that define social-ritual restrictions of some ...

  9. Stories on country life: female memories and cultural legacy

    Directory of Open Access Journals (Sweden)

    Janine Gomes da Silva

    2009-01-01

    Full Text Available This article derives its context from studies on genre, historical memory and cultural legacy as well. It discusses some data related to the daily way of life including kitchen matters, all observed in the surrounding land road homes of Joinville. This town is located at the Northeast of Santa Catarina, a Southern State in Brazil. Due to the new approaches of the preservation of cultural legacies in relation to tourism and culture itself, there is the question about how the different country and townsmen still come to (re-construct their reference and meanings, dealing with their dwelling/town lives – the ideal spot for inscribing other story telling, talking of “places of memory” and of some ‘make-it-yourself’ means. Thus, we problemize the subject matters, starting from the Oral History methodology and taking special interest in women’s memory, also in Joinville’s aspects of cultural patrimony, in this way contributing to the local historiography which conduces to reflections on the regional legacy of material and nonmaterial culture. Key-words: Genre; Memory; Cultural legacy. Contextualized in the studies on gender, historical memory and cultural legacy, this article discusses some data related to the country people’s daily way of life, including cookery, observed in the rural area surrounding the city of Joinville, located in the Northeast of the Brazilian Southern State of Santa Catarina. Due to the new approaches on the preservation of cultural legacies connected to tourism and culture itself, there comes  the question about how the different country people still have been  (re-constructing  their reference and meanings, dealing with their town life – the ideal spot for inscribing, daily, other narratives on legacy, “places of memory” and “ways to do it”. Thus, we have tried to register aspects of the cultural legacy of the city of Joinville, using the Oral History methodology and taking special interest in

  10. ORGANIZATIONAL CULTURE, ABSORPTIVE CAPACITY, INNOVATION PERFORMANCE AND COMPETITIVE ADVANTAGE: AN INTEGRATED ASSESSMENT IN INDONESIAN BANKING INDUSTRY

    Directory of Open Access Journals (Sweden)

    Ahmad Adriansyah

    2015-04-01

    Full Text Available The positive impact of absorptive capacity (ACAP on innovation and the positive impact of innovation on competitive advantage have been proven in different research contexts. However, current knowledge on organizational culture that affects ACAP, innovation and competitive advantage as a whole, remains unclear. This article proposes a model to examine how organizational culture (developmental culture and rational culture affects ACAP, innovation and competitive advantage, directly and indirectly as well. Surveyed data (in Indonesian Banking Industry shows that both of organizational culture have a direct impact on ACAP. Only developmental culture has a direct impact on innovation. There is no culture type affects competitive advantage directly. In this research, culture affects competitive advantage through ACAP and innovation.

  11. Banking culture and collective responsibility: A memorandum to the UK Parliamentary Commission on Banking Standards

    NARCIS (Netherlands)

    N. Dorn (Nicholas)

    2013-01-01

    textabstractBasic assumptions • There is wide interest in connecting issues of (i) occupational culture, (ii) compliance/ misconduct, (iii) remuneration and (iv) clawback (the bonus/malus debate). • Individual-focussed measures (supervision, remuneration and measures in civil or criminal law) must

  12. Banking culture and collective responsibility: A memorandum to the UK Parliamentary Commission on Banking Standards

    NARCIS (Netherlands)

    N. Dorn (Nicholas)

    2013-01-01

    textabstractBasic assumptions • There is wide interest in connecting issues of (i) occupational culture, (ii) compliance/ misconduct, (iii) remuneration and (iv) clawback (the bonus/malus debate). • Individual-focussed measures (supervision, remuneration and measures in civil or criminal law) must b

  13. Adjusting policy to institutional, cultural and biophysical context conditions: The case of conservation banking in California

    Science.gov (United States)

    Carsten Mann; James D. Absher

    2013-01-01

    This paper examines the political construction of a policy instrument for matching particular institutional, biophysical and cultural context conditions in a social–ecological system, using the case of conservation banking in California as an example. The guiding research question is: How is policy design negotiated between various actors on its way from early...

  14. Why are price stability and statutory independence of central banks negatively correlated? : the role of culture

    NARCIS (Netherlands)

    Jong, Eelke de

    2001-01-01

    This paper investigates whether in OECD-countries the negative relation between central bank independence and inflation is related to culture, in the sense of common values and norms. It appears that inflation is lower in countries where people dislike uncertainty. The tolerance in a society with

  15. The demand to progress: critical nostalgia in LGBTQ cultural memory.

    Science.gov (United States)

    de Szegheo Lang, Tamara

    2015-01-01

    This article argues that, while representations of tragic lesbian, gay, bisexual, transgender, and queer (LGBTQ) histories are disseminated widely, positive aspects of the past must be largely pushed out of the cultural imaginary to support a vision of the present in which sexual rights and freedoms have been achieved. It proposes that this view relies on a linear progress narrative wherein the experiences of LGBTQ people are held as consistently improving over time. In considering the construction of cultural memory through popular media and art, it claims a nostalgic turn to the past as a useful political tool for dismantling the pacifying aspects of the present.

  16. Organisational culture and financial performance in a South African investment bank

    Directory of Open Access Journals (Sweden)

    Gina Davidson

    2007-01-01

    Full Text Available The relationship between the organisational culture and financial performance of a South African investment bank was explored in this study. The Denison Organizational Culture Survey was used to measure the organizational culture and was administered to a sample of 327 employees. Income statement ratio analyses were used to assess the financial performance. The validity and reliability of the Denison Organizational Culture Survey was examined in a South African context for the first time. High correlations between the cultural traits suggested that the items were measuring a single trait rather than four distinguishable traits. Correlations above the 0.50 level between some subscales (team orientation, agreement, customer focus, core values and vision and certain financial ratios were obtained. However, the results were regarded as tentative, because statistical significance was not reached for most of the correlations. The cultural trait consistency was significantly correlated with two of the four profitability ratios.

  17. Gendering Cultural Memory: Balzac´s Adieu

    Directory of Open Access Journals (Sweden)

    Kristina Fjelkestam

    2013-06-01

    Full Text Available In this essay I examine the en-gendering of cultural memory in Honoré de Bal-zac´s story Adieu (1830, which proceeds from a repressed trauma originating in historical events. Balzac wrote the story in the spring of 1830, i. e. at a time when the French discontent with the Restoration regime was soon to explode in the July Revolution. The story is considered to claim that the Restoration regime’s repres-sion of revolutionary history will recieve serious consequences in the present. But the question is how the now of the Restoration can best be linked to the then of the Revolution and the Empire? How can history be represented in a productive way, without silencing traumatic memories? My suggestion is that the abyss be-tween now and then has to be met with an ethically informed respect for differ-ence. Stéphanie, the protagonist, dies when Philippe creates an exact replica of the traumatic situation in which they were separated many years ago. She then became a sex slave to the retiring French army, dehumanized during the hard Russian campaign, an experience that also dehumanized her. This Philippe refuses to acknowledge, since he wants to retrieve the woman he knew. That can of course never happen, but in insisting on it, I would claim that he actually renders Stépha-nies life after the trauma impossible. Instead of emphasizing the distinction be-tween past and present, Philippe overlooks it, with the severe consequence of Sté-phanie’s death. In my analysis I relate to pertinent discussions in the interdiscipli-nary field of cultural memory studies (an expanding field of research within the wider frame of cultural studies, but since it rarely discusses gender aspects I find it essential to relate also to feminist scholars who continually have scrutinized is-sues concerning memory and history writing.

  18. Mass Media and Cultural Memory: Idealization of Values

    Directory of Open Access Journals (Sweden)

    Liljana Siljanovska

    2014-12-01

    Full Text Available The theoretical approach in defining the means for mass communication expressed in functionalist theory, especially in John Riley’s model, determines mass media as a social subsystem which is functionally connected with other systems in society that arises from their mutual conditionality and their causative and consequential connection with politics, economy, education, socialization and culture. The functions of articulating opinion by themselves problematize the creation of creative-thinking public because the imposition of topics, representation of individuals, values and norms of a culture, a space, a time is mediated by the ideological and functional mechanism of an organized structuring and transfer of messages simultaneously to as big an audience as possible. The vastness of the audience simply cannot by itself be understood as democratization of the culture in its broadest sense or simply because it is not a high, elite culture intended solely for a certain number of users.  It is that exact media reality, which almost always and exclusively is created through the selection of facts and values in relation to the audience and the factor of time, which simultaneously problematizes individual and collective memory. In the era of postmodernism and globalization of societies, media shaped content, in different mass media, especially on TV and the Internet, stimulate cultural development and pluralism of ideas in intercultural communication. However at the same time the setting of the stage for a media product, imposed by market logic of supply and demand erases the borders of difference, restructures the modalities of cultural identifiers and relativizes the dimensions of cultural identity through the unification of values transformed in surpassed or modern collective memories and concepts, such as – Balkanization, Americanization, Europeanization, civil society.

  19. Prosthetic memory and post-memory: cultural encounters with the past in designing a museum

    Directory of Open Access Journals (Sweden)

    Mălina Ciocea

    2015-07-01

    Full Text Available This paper1 investigates the sources of representations on the communist period and the type of engagement with the past in an experiential museum, in the context of the National Network of Romanian Museums’ project for a laboratory-museum of Romanian Communism. Our analysis of focus-groups in October-November 2012 explores the public’s expectations in terms of museum experience and engagement with objects and the potential of an experiential museum to facilitate deliberation about the past. We use the conceptual framework of recent studies on postmemory (Hirsch, 2008 and prosthetic memory (Landsberg, 2004, 2009 to focus on ways of building the experiential archive needed to produce prosthetic memory. We consider that such an analysis is relevant for two interconnected problems: the bidirectional relationship between a projected museum of communism and a prospective public, and the methodological insights available for investigating this relation. With regard to the first problem, this paper makes a case for treating museums as a memory device rather than a lieu de memoire and analyses the role of the museum in relation to cultural memory. With regard to the second problem, it offers an example of conducting research on prospective publics which departs from traditional marketing approaches, adopting theoretical insights and analytical categories from specific conceptualizations in the field of memory studies.

  20. Cultural heritage and memory: untangling the ties that bind

    Directory of Open Access Journals (Sweden)

    Viejo-Rose, Dacia

    2015-12-01

    Full Text Available Today in heritage studies memory looms larger than ever, there are memory parks, memory politics, and memory wars, there is discussion of ‘dissonant’, ‘dark’, and ‘difficult’ heritage linked to memories of traumatic past events. But what to we mean when we use the word ‘memory’ in the field of heritage? How is the divide between its social and individual realms bridged? This article theorizes the intimate relationship between heritage and memory by focusing on three areas. First, it maps out the vocabulary that has emerged from the heritage-memory dyad including how notions of collective memory and lieux de mémoire have been used, and occasionally misused, as well as the metaphors employed in the process. Second, the emergence of memory studies is considered, providing a brief overview of its foundations as well as assessing how it differs from, overlaps with, and contributes to heritage research. A third section offers a brief review of recent developments in cognitive psychology, neuroscience, and evolutionary biology relating to memory and how this might inform heritage studies. The concluding discussion provides a synthesis of the theoretical and empirical contribution of memory research to furthering out understanding of cultural heritage and proposes directions for future work on the area of confluence between the two.La memoria impregna hoy como nunca antes los estudios del patrimonio. Hay parques, políticas y guerras de la memoria. Se habla de un patrimonio “disonante”, “oscuro” o “difícil” vinculado al recuerdo de pasados sucesos traumáticos. Pero, ¿a qué nos referimos cuando usamos la palabra “memoria” en el campo del patrimonio? ¿Cómo se cruza el abismo que separa sus dimensiones social e individual? Este artículo teoriza sobre la íntima relación entre patrimonio y memoria, centrándose en tres áreas. La primera cartografía el vocabulario generado por la díada patrimonio-memoria, incluido

  1. Cultural Memory and the Communicational Criticism of Literature

    Directory of Open Access Journals (Sweden)

    Roger D. SELL

    2012-01-01

    Full Text Available Communicational criticism focuses on the ethics of literary address. It tends to show that writers who try to send some particular message may thereby allow their addressees relatively little scope for their own perceptions and evaluations. Other writers, by contrast, offer their audiences an opportunity to compare notes about life from within more than one life-world, so agreeing, as it were, to dis-agree when necessary. By engaging in this more “genuine” kind of literary communication, such writers can promote the post-postmodern goal of a globalization that is non-hegemonic, and not least through their handling of cultural memory. When they loosen up one-to-one correlations between particular ranges of memory and particular communities, cultural memory becomes a polyvalent resource for both personal hybridities and rainbow coalitions. In the present article, I illustrate this process from Anglophone literature, paying special attention to a number of postmodern novelists and an early modern poet.

  2. The locations of memory: Migration and transnational cultural memory as challenges for art history

    DEFF Research Database (Denmark)

    Petersen, Anne Ring

    2013-01-01

    In the contemporary world, a considerable number of artists are on the move, due to the triple processes of globalization, decolonization and migration. Migrant artists, and also cosmopolitan artists that travel widely, are transnational cultural workers with ties to several places. As ‘bridging...... persons’, migrant artists have more than one sense of home, and they play a seminal role in the translation between cultures, and in the transformations between the local and the global. However, the multiple cultural references in their works also raise the difficult question of the provenance...... of their art. This article addresses the issue of how transnational cultural memory is articulated in works by migrant artists, as well as how to access it analytically. After outlining the general issues concerning the impact of migration on contemporary art, the article explores the usefulness of three...

  3. The impact of culture and strategic orientation on service innovation capability: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Akbar Hassanpour

    2015-12-01

    Full Text Available This paper presents a study to measure the effects of culture and strategic orientation on service innovation capabilities on selected banks in province of Alborz, Iran. The survey uses a questionnaire consists of 40 questions where 5 questions are associated with service innovation, 11 questions are related to strategic orientation and 24 questions measures organizational culture. Cronbach alpha for service innovation capabilities, strategic orientation and organizational culture were 0.73, 0.84 and 0.91, respectively. Using structural equation modeling as well as regression technique, the study has determined that organizational culture influences positively on structural orientation (β = 0.6, t-value = 13.56, organizational culture influences positively on service innovation capability (β = 0.43, t-value = 8.73 and finally structural orientation influences positively on service innovation capability (β = 0.35, t-value = 7.22.

  4. Study of Relationship between Cultural Intelligence and Happiness Rate of Employees in Kerman Saderat Banks

    Directory of Open Access Journals (Sweden)

    Hana Mahmudian

    2013-02-01

    Full Text Available Today organizational healthy means That organization also should care about employees mental and physical work employees healthy happiness is one of the most important mental needs which not only effects on relationship between people and their lives but also has an important effect on their mental health and facing current problems .A happy person is efficient innovative and effective. This research generally aims to examine the relationship between culture intelligence and happiness rate of employees in Kerman saderat banks. this study was done using sectional studies and correlation method in a statistical sample of people from Kerman saderat banks. Determining number of sample was done using kourcran formulation and a number of respondents was selected by stratified .sample method proportional to sample size. Making information was done by two questionnaires in which questionnaire validity of cultural intelligence was measured % by kahnooji in and questionnaires validity of employees happiness was measured by author. Also, constancy resulted by cronbach s Alpha method for questionnaire of cultural intelligence, was. Pierson and Spearman statistical tests were used to describe gathered data. Gathered information by SPSS soft ware was analyzed. Results of this research show that there is a positive and meaningful relation between employees happiness rate and employees cultural intelligence.

  5. Between Cultural Memory and Communicative Memory – the Dilemmas of Reconstruction of Annihilated Past of Polish Jews

    Directory of Open Access Journals (Sweden)

    Krzysztof Malicki

    2015-08-01

    Full Text Available This text presents briefly some of the elements of Polish discourse about collective memory of Holocaust during transformations. I refer to Assmann’s concept of communicative and cultural memories, which seems to help to explain the phenomenon of present memory, which can be observed. This text concentrates not on Polish memory of annihilation of Jews (so different from the memory of victims or perpetrators, not to mention different memory of other nations but on its internal divisions and dilemmas which it generates. Along with war generation passing away, the decisive role of creating Polish memory about Shoah will be taken over by specialised institutions and rituals commemorating the past. In the early post -war period the transfer of memory happened mainly by the witness. The role of specialised institutions was marginal. From the beginning of XX century along with last witnesses passing away, the memory of Shoah became the focus of institutions (scientific institutions gathering documents including witnesses’ reports and anniversaries. It is a very important moment to look again at the memory distributed from the roots and confront it with models and standards of commemorating the past, which will create the memory of the next generations.

  6. Short report: Influence of culture and trauma history on autobiographical memory specificity.

    Science.gov (United States)

    Humphries, Clare; Jobson, Laura

    2012-01-01

    This study investigated the influence of culture and trauma history on autobiographical memory specificity. Chinese international and British undergraduate university students (N=64) completed the autobiographical memory test, Hopkins symptom checklist-25, twenty statements test, trauma history questionnaire, and impact of events scale-revised. The results indicated that the British group provided significantly more specific memories than the Chinese group. The high trauma exposure group provided significantly fewer specific autobiographical memories than the low trauma exposure group. The interaction was not significant. The findings suggest that even in cultures where specificity is not as evident in autobiographical remembering style, trauma exposure appears to exert similar influence on autobiographical memory specificity.

  7. Public sphere as assemblage: the cultural politics of roadside memorialization.

    Science.gov (United States)

    Campbell, Elaine

    2013-09-01

    This paper investigates contemporary academic accounts of the public sphere. In particular, it takes stock of post-Habermasian public sphere scholarship, and acknowledges a lively and variegated debate concerning the multiple ways in which individuals engage in contemporary political affairs. A critical eye is cast over a range of key insights which have come to establish the parameters of what 'counts' as a/the public sphere, who can be involved, and where and how communicative networks are established. This opens up the conceptual space for re-imagining a/the public sphere as an assemblage. Making use of recent developments in Deleuzian-inspired assemblage theory - most especially drawn from DeLanda's (2006) 'new philosophy of society' - the paper sets out an alternative perspective on the notion of the public sphere, and regards it as a space of connectivity brought into being through a contingent and heterogeneous assemblage of discursive, visual and performative practices. This is mapped out with reference to the cultural politics of roadside memorialization. However, a/the public sphere as an assemblage is not simply a 'social construction' brought into being through a logic of connectivity, but is an emergent and ephemeral space which reflexively nurtures and assembles the cultural politics (and political cultures) of which it is an integral part. The discussion concludes, then, with a consideration of the contribution of assemblage theory to public sphere studies. (Also see Campbell 2009a). © London School of Economics and Political Science 2013.

  8. Communication and Cultural Memory in Contemporary Tourism Media Products: Culture-specific and Cross-cultural Perspectives

    Directory of Open Access Journals (Sweden)

    Aleksandra Salamurović

    2015-08-01

    Full Text Available Communication practices which are a part of the contemporary media-culture are intrinsically tied to the processes of (recreating collective identities. One of the possible strategies in the frame of the mediated communication practice is to connect traditional ele-ments of cultural memory with new ones, which are declared as preferable and acceptable. In that way the collective identity remains, on the one hand, “homoge-neous”, offering stability to the members of communica-tion community, on the other hand, it is subject to change and dynamics, always “ready” to be reshaped in order to achieve wider acceptance. The tourism media products, especially tourism promotion videos, are the best examples for this mediated communication prac-tice. The visual images, combined with text messages, i.e. slogans, are not only some of the most important narrative mechanisms in the presentation of certain tourist destination, they are also the key elements of the mediated collective cultural memory and identity of the respective country presented in the tourism promotion videos. The main goal of this article is to examine the represen-tation and composition forms of some of the tourism promotion videos both from the Balkan countries as well as from other regions worldwide related especially to the elements of the cultural memory in order to de-fine culture-specific and cross-cultural strategies rele-vant to the creation of the collective identity. The analy-sis is based on the Critical Discourse Analysis, respec-tively the analytical framework of the “Grammar of Vis-ual Design” by Kress/van Leeuwen.

  9. Chinese Identity in London-An Analysis from the Aspects of Cultural Heritage and Cultural Memory

    Institute of Scientific and Technical Information of China (English)

    SHEN Ning

    2014-01-01

    The basic aim of this study is to find out and understand the strength and inspira-tion behind the identity of Chinese in London , and how it has been maintained from the aspects of cul-tural heritage and cultural memory . “Individuals have always been capable of i-dentifying with different social groups and spatial scales” ( Ashworth et al.2007, 4); and further-more, as Sewell puts it , “culture exists only in and through practices” ( 1999 in Ashworth et al . 2007, 7).Therefore, the main methodology for researching Chinese identity in London will be through interviews and questionnaires , looking for answers by asking questions about the circum-stances of Chinese daily lives; at the same time , the ways of their maintenance will be explored fur-ther . The questionnaires were divided into mainly two groups of respondents:Chinese and non-Chi-nese, and they were done in Chinatown and in my volunteer group doing the placement at the Museum of London Docklands . The purpose of question-naires was to unearth general ideas about Chinese identity. The interviews were based on semi -struc-tured questions .The questions were based on the use of an “interview guide” ( Bernard 2006, 212 ) , which directed the conversation towards their daily lives , connections with China , living habits, social surroundings such as friends , and interests . Meanwhile , during the interviewing process, the respondents were also encouraged to feel free to talk more about other things that they would like to say . Through these interviews , a general description of Chinese lives in London could be drawn . When talking to interviewees about China-town, we find that it is a place connected with dai-ly life;whereas for non-Chinese , it is considered more as tourist or leisure site full of lanterns and an enormous variety of restaurants ( Masters et al . 2008, 67) .A lot of Chinese get jobs there in or-der to survive .Chinese go to Chinatown to buy food and commodities that are not

  10. Conservation of stone built cultural heritage and preservation of memories

    Science.gov (United States)

    Costa, Antônio

    2016-04-01

    Certainly, the main justification for the conservation of cultural heritage built, lies in the meanings that these buildings have, either to the history of nations, either as part of the cultural heritage of humanity. On the other hand, and taking into account the use of stone, it can be said that in addition to cultural and aesthetic values usually associated with these monuments or architectural ensembles that make up this heritage, the presence of stone materials gives another dimension to those constructions, which is the geo-memory. This means that, due to the presence of this material, where each has its own history, it is also possible to identify geo-memories for each of these monuments or architectural ensembles that make up this heritage, either the genesis point of view, involving environments and processes, either regarding the formation ages of these materials. At the same time and due to the use of these materials can be said that each monument or group of monuments is a reflection of the geo-diversity of a determined region or territory. In Brazil, due to its large territory, this geo-diversity includes a wide range of geological environments, phenomena and processes, giving rise to diverse stone materials, which can be observed in the monuments that are part of your built heritage. Thus in old buildings of historic sites located in particular in the southern and southeastern regions of Brazil, this geo-diversity is present because many types of rocks were used, igneous, metamorphic or sedimentary compositions and of very different ages. Of these types stands out, for example, granites and gneisses, which were used in the states of Rio de Janeiro and Minas Gerais, where they are very common. In such cases, the rocks were formed, or end of the Paleoproterozoic, or at the end of the Neoproterozoic and have different textures, sometimes with predominance of biotite, among mica, sometimes amphibole, as hornblende, or with garnet. They were often used in

  11. A study on relationship between cultural values and earnings quality: A case study on Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2013-06-01

    Full Text Available This performs an empirical investigation to evaluate the relationship between cultural values and earnings quality in some Iranian banks over the period 2005-2011. The individualism, uncertainty avoidance, power distance and masculinity dimensions are regarded as criteria for cultural values. The study also considers change in return on assets and loan loss provisions as the main criteria for earnings quality of banks. For measuring the cultural values, the questionnaire of Hofstede [Hofstede, G. (1994. The business of international business is culture. International business review, 3(1, 1-14.]. The study also uses two measures to calculate earnings quality: 1-just-meet-or-beat the prior year’s earnings and 2- Income smoothing through loan loss provisions based on compound linear regression. Research results showed that there was a weak relationship between cultural values and earnings management.

  12. Mídia, juventude e memória cultural Media, youth and cultural memory

    Directory of Open Access Journals (Sweden)

    Rosa Maria Bueno Fischer

    2008-10-01

    Full Text Available O texto trata das relações entre memória, mídia e juventude. Discute os resultados de uma pesquisa com estudantes universitários e de ensino médio, sobre suas memórias culturais e midiáticas, problematizando questões contemporâneas sobre alteridade, memória e produções audiovisuais, a partir de autores como Henri Bergson, Andreas Huyssen, Maria Rita Kehl e Michel Foucault, entre outros. Desenvolve-se o argumento de que a produção de sujeitos, em nosso tempo, estaria estreitamente relacionada à experiência cotidiana, em particular dos mais jovens, com as imagens e textos oferecidos pelos meios tecnológicos de informação e comunicação. Estes meios, segundo a argumentação tecida, parecem operar fortemente nos processos de elaboração de nossas memórias individuais e sociais, bem como na construção de modos de existência específicos, relacionados à construção de nós mesmos e de nossas diferenças.This text aims to discuss relations between memory, media and youth. I discuss dates from a research with Brazilian students about their cultural memories, alterity and audiovisual products in our culture. Theoretical references are concepts from Henri Bergson, Andreas Huyssen, Maria Rita Kehl and Michel Foucault. I put forward the argument that production of subjectivity, in our times, is narrowly related to the experience with images and texts from different media. Technologies of communication and information offer an important source to memories construction, in order to shape our lives and our differences.

  13. The transformation of the cultural memory through a prism of the Cyberspace

    Directory of Open Access Journals (Sweden)

    Loiko Olga

    2016-01-01

    Full Text Available The paper considers the analysis of the cultural memory, which at the beginning of the XXI century underwent essential changes. The beginning of the memory research as a special phenomenon belongs to the Russian scientist, Nikolaj Miljukov [1] who has proved the emergence of social memory with the emergence of the intellectuals. In the article “Intellectuals and Historical Tradition”, Miljukov emphasizes the importance of social memory for the forward positive development of society. Since Halbwachs social memory gets the status of the independent research project. At the end of the XIX century the main theoretical concepts of social memory are formed: cultural and historical, semiotics, informational, psychological. The beginning of the third millennium is marked by the basic change of research trajectories of social memory. Specific research projects are put in the forefront. Such articles can be used as an example. The main research objective consists in the identification of the sociocultural bases of the transformation of social memory research. In modern investigations of the cultural memory, this phenomenon finds the new paradigmatic characteristics, which are fully submitted in the modern Internet space.

  14. Repeated Stimulation of Cultured Networks of Rat Cortical Neurons Induces Parallel Memory Traces

    Science.gov (United States)

    le Feber, Joost; Witteveen, Tim; van Veenendaal, Tamar M.; Dijkstra, Jelle

    2015-01-01

    During systems consolidation, memories are spontaneously replayed favoring information transfer from hippocampus to neocortex. However, at present no empirically supported mechanism to accomplish a transfer of memory from hippocampal to extra-hippocampal sites has been offered. We used cultured neuronal networks on multielectrode arrays and…

  15. Computerized tools in psychology: cross cultural and genetically informative studies of memory

    Directory of Open Access Journals (Sweden)

    Ismatullina V.

    2016-01-01

    Full Text Available In this article we presented the computerized tools for psychological studies of memory. The importance of implementing computerized automated tools for psychological studies is discussed. It has been shown that this tools can be used both for cross-cultural and genetically informative studies. The validity of these tools for cross-cultural and genetically informative studies of memory can be seen as the first step to use automated computerized tools for big data collection in psychology.

  16. Some Renaissance, Baroque, and contemporary cultural elaborations of the art of memory.

    Science.gov (United States)

    Bimler, David L

    2013-12-01

    The target article addresses historical and present-day mnemotechnics as a practice. It also deserves scrutiny as culture writ small. For would-be Hermetic adepts of the Renaissance and Baroque, the ancient art of memory (AAOM) provided both an iconography and a projective-test vision of possibilities. In contemporary fiction, Memory Palaces become a metaphor for the workings of mind, of culture, and of information technology.

  17. An fMRI investigation of the cultural specificity of music memory

    OpenAIRE

    Demorest, Steven M.; Morrison, Steven J.; Stambaugh, Laura A.; Beken, Münir; Richards, Todd L.; Clark JOHNSON

    2009-01-01

    This study explored the role of culture in shaping music perception and memory. We tested the hypothesis that listeners demonstrate different patterns of activation associated with music processing—particularly right frontal cortex—when encoding and retrieving culturally familiar and unfamiliar stimuli, with the latter evoking broader activation consistent with more complex memory tasks. Subjects (n = 16) were right-handed adults born and raised in the USA (n = 8) or Turkey (n = 8) with minim...

  18. Lexical Association and False Memory for Words in Two Cultures

    Science.gov (United States)

    Lee, Yuh-Shiow; Chiang, Wen-Chi; Hung, Hsu-Ching

    2008-01-01

    This study examined the relationship between language experience and false memory produced by the DRM paradigm. The word lists used in Stadler, et al. (Memory & Cognition, 27, 494-500, 1999) were first translated into Chinese. False recall and false recognition for critical non-presented targets were then tested on a group of Chinese users.…

  19. Aging, culture, and memory for socially meaningful item-context associations: an East-West cross-cultural comparison study.

    Directory of Open Access Journals (Sweden)

    Lixia Yang

    Full Text Available Research suggests that people in Eastern interdependent cultures process information more holistically and attend more to contextual information than do people in Western independent cultures. The current study examined the effects of culture and age on memory for socially meaningful item-context associations in 71 Canadians of Western European descent (35 young and 36 older and 72 native Chinese citizens (36 young and 36 older. All participants completed two blocks of context memory tasks. During encoding, participants rated pictures of familiar objects. In one block, objects were rated either for their meaningfulness in the independent living context or their typicality in daily life. In the other block, objects were rated for their meaningfulness in the context of fostering relationships with others or for their typicality in daily life. The encoding in each block was followed by a recognition test in which participants identified pictures and their associated contexts. The results showed that Chinese outperformed Canadians in context memory, though both culture groups showed similar age-related deficits in item and context memory. The results suggest that Chinese are at an advantage in memory for socially meaningful item-context associations, an advantage that continues from young adulthood into old age.

  20. Aging, culture, and memory for socially meaningful item-context associations: an East-West cross-cultural comparison study.

    Science.gov (United States)

    Yang, Lixia; Li, Juan; Spaniol, Julia; Hasher, Lynn; Wilkinson, Andrea J; Yu, Jing; Niu, Yanan

    2013-01-01

    Research suggests that people in Eastern interdependent cultures process information more holistically and attend more to contextual information than do people in Western independent cultures. The current study examined the effects of culture and age on memory for socially meaningful item-context associations in 71 Canadians of Western European descent (35 young and 36 older) and 72 native Chinese citizens (36 young and 36 older). All participants completed two blocks of context memory tasks. During encoding, participants rated pictures of familiar objects. In one block, objects were rated either for their meaningfulness in the independent living context or their typicality in daily life. In the other block, objects were rated for their meaningfulness in the context of fostering relationships with others or for their typicality in daily life. The encoding in each block was followed by a recognition test in which participants identified pictures and their associated contexts. The results showed that Chinese outperformed Canadians in context memory, though both culture groups showed similar age-related deficits in item and context memory. The results suggest that Chinese are at an advantage in memory for socially meaningful item-context associations, an advantage that continues from young adulthood into old age.

  1. Assessing Cultural Readiness of Organization For Successful Implementation of Knowledge Managment, Appling FMCDM Approach: Case of Central Bank of Iran

    Directory of Open Access Journals (Sweden)

    Shaban Elahi

    2012-02-01

    Full Text Available Supportive organizational culture for knowledge management can vouch for successful implementation of knowledge management. In the case of lacking this kind of supportive culture, the organizational culture is one of the obstacles which can lead the implementation of knowledge management to full failure and waste of organizational assets. In this research, a framework based on FMCDM was utilized to assess the cultural readiness of organization as the knowledge management implementation prerequisite. This framework has been utilized to assess Central Bank of Iran’s cultural readiness. The methodology of research was descriptive and research data were gathered by questionnaire and were answered by experts and CBI executives. In this term, the cultural readiness of CBI was assessed and in accordance with this assessment, embarking on corrective action was proposed.

  2. Linking East with West: Websites as a Public Relations Tool for American and Chinese Banks Operating in a Culturally-Evolving Chinese Society

    OpenAIRE

    2002-01-01

    In this thesis, three websites are explored in-depth and serve as a case study for an intercultural comparison of websites as public relations tools. The websites of Industrial and Commercial Bank of China (ICBC), Shanghai Pudong Development Bank (SPDB), and Citibank were evaluated for this specific study because they represent three models of current banks operating in a culturally-evolving Chinese society. The two-way symmetrical model of public relations and the personal influence model ha...

  3. The effect of transformational leadership style and organizational culture on the formation of organizational cynicism in the Agricultural Bank of Tehran

    Directory of Open Access Journals (Sweden)

    Narges Rabie

    2016-06-01

    Full Text Available The purpose of this study was to evaluate the effect of transformational leadership style and organizational culture on the formation of organizational cynicism in the Agricultural Bank in city of Tehran. The population of this study consisted of 1022 employees of the Agricultural Bank of Tehran. A total of 304 questionnaires were distributed, of which 264 valid questionnaires were collected. These questionnaires were distributed randomly among the male and female employees in Tehran branches of Agricultural Bank. Standard questionnaire of transformational leadership model, standard questionnaire of organizational culture model and organizational cynicism were applied in this study. In this study SPSS19 and Smart PLS software were used to analyze the collected data. Hypothesis testing showed that at first, Transformational leadership style had no significant effect on the formation of organizational cynicism in the Agricultural Bank in Tehran, and organizational culture had a significant negative impact on the formation of organizational cynicism in the Agricultural Bank in the second hypothesis.

  4. Culture, convenience or efficiency Customer behaviour in choosing local or foreign banks in China

    NARCIS (Netherlands)

    Heijes, Coen

    2008-01-01

    Purpose - The purpose of this paper is to define and test a supplier selection model for Chinese and foreign banks in China. Design/methodology/approach - In total, 12 reasons affecting customers' choice in selecting Chinese or foreign banks are developed and their respective importance are tested

  5. Culture, convenience or efficiency Customer behaviour in choosing local or foreign banks in China

    NARCIS (Netherlands)

    Heijes, Coen

    2008-01-01

    Purpose - The purpose of this paper is to define and test a supplier selection model for Chinese and foreign banks in China. Design/methodology/approach - In total, 12 reasons affecting customers' choice in selecting Chinese or foreign banks are developed and their respective importance are tested t

  6. War in Colombia testimonial literature: between memory, culture, violence and literature

    Directory of Open Access Journals (Sweden)

    Jorge Eduardo Suárez Gómez

    2011-07-01

    Full Text Available Colombia may be characterized as a society ruled over by “a routinization of war and oblivion”. When memories about violent events succeed in articulate themselves and transcend the private space, they are not necessarily incorporated to national memory through “memory policies” in transitional processes. These memories are “deposited” rather than discussed. Testimonial literature is one of those “deposits”. There are times when certain topics, witnesses, authors and narrative treatments attain an unexpected relevance. Such a relevance follows national factors, like the dynamics of conflict and society in Colombia and abroad, such as a “turn to past”. When making a survey across the development of the testimonial genre from mid-20th century Violence up to our times, the gravitation of several cultures of memory is made evident in a society where oblivion appears to prevail.

  7. Cross-cultural adaptation and validation of the episodic autobiographic memory interview for Brazilian Portuguese

    Directory of Open Access Journals (Sweden)

    Guilherme R. Rodrigues

    2015-08-01

    Full Text Available Episodic memory enables the storage of personal events with specific temporal and spatial details, and their retrieval through a sensory experience, usually visual, which is called autonoetic consciousness. While, in Brazil, several scales for the evaluation of anterograde episodic memory have been validated, there is not yet an instrument to assess the episodic autobiographical memory. The aim of this study is thus to make a cross-cultural adaptation and validation of the Episodic Autobiographic Memory Interview (EAMI for Brazilian Portuguese. Altogether, 11 patients with Alzheimer’s disease (AD and 10 healthy controls (CTs were evaluated. EAMI scores for AD patients were lower than those of CTs, and these scores also correlated positively with the Remember-Know coefficient. The intraclass correlation coefficient indicated a good inter-rater reliability. The Portuguese version of EAMI showed a good reliability and validity, which suggests that it is a useful tool for evaluation of autobiographical memory in Brazilian patients.

  8. Remembering an Iron Outlaw : the cultural memory of Ned Kelly and the development of Australian identities

    OpenAIRE

    2010-01-01

    Nineteenth-century outlaw Ned Kelly is probably Australia’s most famous historical figure. Ever since the start of his outlawry in 1878 his story has been repeated time and again, in every conceivable medium. Although the value of his memory has been hotly contested, he remains perhaps the national icon of Australia. This project explores the development of the cultural memory of Kelly over time, and the contributions it has made to constructions of national identity. Firstly, I show how the ...

  9. An fMRI investigation of the cultural specificity of music memory

    Science.gov (United States)

    Morrison, Steven J.; Stambaugh, Laura A.; Beken, Münir; Richards, Todd L.; Johnson, Clark

    2010-01-01

    This study explored the role of culture in shaping music perception and memory. We tested the hypothesis that listeners demonstrate different patterns of activation associated with music processing—particularly right frontal cortex—when encoding and retrieving culturally familiar and unfamiliar stimuli, with the latter evoking broader activation consistent with more complex memory tasks. Subjects (n = 16) were right-handed adults born and raised in the USA (n = 8) or Turkey (n = 8) with minimal music training. Using fMRI procedures, we scanned subjects during two tasks: (i) listening to novel musical examples from their own culture and an unfamiliar culture and (ii) identifying which among a series of brief excerpts were taken from the longer examples. Both groups were more successful remembering music of their home culture. We found greater activation for culturally unfamiliar music listening in the left cerebellar region, right angular gyrus, posterior precuneus and right middle frontal area extending into the inferior frontal cortex. Subjects demonstrated greater activation in the cingulate gyrus and right lingual gyrus when engaged in recall of culturally unfamiliar music. This study provides evidence for the influence of culture on music perception and memory performance at both a behavioral and neurological level. PMID:20035018

  10. An fMRI investigation of the cultural specificity of music memory.

    Science.gov (United States)

    Demorest, Steven M; Morrison, Steven J; Stambaugh, Laura A; Beken, Münir; Richards, Todd L; Johnson, Clark

    2010-06-01

    This study explored the role of culture in shaping music perception and memory. We tested the hypothesis that listeners demonstrate different patterns of activation associated with music processing-particularly right frontal cortex-when encoding and retrieving culturally familiar and unfamiliar stimuli, with the latter evoking broader activation consistent with more complex memory tasks. Subjects (n = 16) were right-handed adults born and raised in the USA (n = 8) or Turkey (n = 8) with minimal music training. Using fMRI procedures, we scanned subjects during two tasks: (i) listening to novel musical examples from their own culture and an unfamiliar culture and (ii) identifying which among a series of brief excerpts were taken from the longer examples. Both groups were more successful remembering music of their home culture. We found greater activation for culturally unfamiliar music listening in the left cerebellar region, right angular gyrus, posterior precuneus and right middle frontal area extending into the inferior frontal cortex. Subjects demonstrated greater activation in the cingulate gyrus and right lingual gyrus when engaged in recall of culturally unfamiliar music. This study provides evidence for the influence of culture on music perception and memory performance at both a behavioral and neurological level.

  11. The establishment of 20 different human embryonic stem cell lines and subclones; a report on derivation, culture, characterisation and banking.

    Science.gov (United States)

    Englund, Mikael C O; Caisander, Gunilla; Noaksson, Karin; Emanuelsson, Katarina; Lundin, Kersti; Bergh, Christina; Hansson, Charles; Semb, Henrik; Strehl, Raimund; Hyllner, Johan

    2010-04-01

    This report summarises our efforts in deriving, characterising and banking of 20 different human embryonic stem cell lines. We have derived a large number of human embryonic stem cell lines between 2001 and 2005. One of these cell lines was established under totally xeno-free culture conditions. In addition, several subclones have been established, including a karyoptypical normal clone from a trisomic mother line. A master cell banking system has been utilised in concert with an extensive characterisation programme, ensuring a supply of high quality pluripotent stem cells for further research and development. In this report we also present the first data on a proprietary novel antibody, hES-Cellect, that exhibits high specificity for undifferentiated hES cells. In addition to the traditional manual dissection approach of propagating hES cells, we here also report on the successful approaches of feeder-free cultures as well as single cell cultures based on enzymatic digestion. All culture systems used as reported here have maintained the hES cells in a karyotypical normal and pluripotent state. These systems also have the advantage of being the principal springboards for further scale up of cultures for industrial or clinical applications that would require vastly more cells that can be produced by mechanical means.

  12. Mexico City's Indios Verdes: Exploring Cultural Processes Using Public Memorials

    Science.gov (United States)

    Dixon, Seth

    2010-01-01

    Finding ways to convey current research in cultural geography that is predicated on theoretical frameworks in a manner accessible to high school and undergraduate college students is pedagogically important but difficult in practice. Statues in Mexico City nicknamed the Indios Verdes offer a rich example of fluid cultural dynamics that illustrate…

  13. Memory

    Science.gov (United States)

    ... it has to decide what is worth remembering. Memory is the process of storing and then remembering this information. There are different types of memory. Short-term memory stores information for a few ...

  14. The making of autobiographical memory: intersections of culture, narratives and identity.

    Science.gov (United States)

    Fivush, Robyn; Habermas, Tilmann; Waters, Theodore E A; Zaman, Widaad

    2011-10-01

    Autobiographical memory is a uniquely human form of memory that integrates individual experiences of self with cultural frames for understanding identities and lives. In this review, we present a theoretical and empirical overview of the sociocultural development of autobiographical memory, detailing the emergence of autobiographical memory during the preschool years and the formation of a life narrative during adolescence. More specifically, we present evidence that individual differences in parental reminiscing style are related to children's developing autobiographical narratives. Parents who structure more elaborated coherent personal narratives with their young children have children who, by the end of the preschool years, provide more detailed and coherent personal narratives, and show a more differentiated and coherent sense of self. Narrative structuring of autobiographical remembering follows a protracted developmental course through adolescence, as individuals develop social cognitive skills for temporal understanding and causal reasoning that allows autobiographical memories to be integrated into an overarching life narrative that defines emerging identity. In addition, adolescents begin to use culturally available canonical biographical forms, life scripts, and master narratives to construct a life story and inform their own autobiographical narrative identity. This process continues to be socially constructed in local interactions; we present exploratory evidence that parents help adolescents structure life narratives during coconstructed reminiscing and that adolescents use parents and families as a source for their own autobiographical content and structure. Ultimately, we argue that autobiography is a critical developmental skill; narrating our personal past connects us to our selves, our families, our communities, and our cultures.

  15. Unpacking Privilege: Memory, Culture, Gender, Race, and Power in Visual Culture

    Science.gov (United States)

    Keifer-Boyd, Karen; Amburgy, Patricia M.; Knight, Wanda B.

    2007-01-01

    The term "visual culture" includes all manifestations of cultural life that are significantly expressed through visual aspects and interpreted through individual and shared experiences. Visual culture includes art, cultural practices, media images, and other forms. However, teaching visual culture involves more than extending the range of visual…

  16. A sun that lost its shine: the Reformation in Dutch Protestant memory culture, 1817-1917

    NARCIS (Netherlands)

    H. Paul; B. Wallet

    2008-01-01

    This essay is a first exploration of nineteenth-century Dutch Protestant memory culture. Using Reformation commemorations as our case study, we show that the appropriation of Luther and Calvin for group identity purposes underwent a twofold transition in the century between 1817 and 1917. Whereas th

  17. Engaging "Gangland" Visual Culture: Memorializing Beltzhoover's Victims of Violence, 1993-1997

    Science.gov (United States)

    Bey, Sharif

    2012-01-01

    This autoethnographic study contextualizes gangland visual culture (graffiti, tattoos, public/private shrines) in order to illustrate how young African American males memorialized victims of violence between the years 1993-1997 in Beltzhoover, an inner city African American community on Pittsburgh's Southside. The author, a former resident of the…

  18. Nationalist Technologies of Cultural Memory and the Korean War: Militarism and Neo-Liberalism in "The Price of Freedom" and the War Memorial of Korea

    Directory of Open Access Journals (Sweden)

    Daniel Y. Kim

    2015-03-01

    Full Text Available This article examines the technologies of nationalism that shape how the Korean War is depicted in two museum and memorial sites: The Price of Freedom: Americans at War, a permanent exhibit at the National Museum of American History in Washington, DC, and the War Memorial of Korea in Seoul. It shows how the use of traditional historical artifacts in The Price of Freedom and cinematic and digital technologies in the War Memorial generate structures of cultural memory that celebrate both a nationalist militarism and the ethos of neoliberalism.

  19. The Relationship between Organizational Culture and Performance: Merger in the Nigerian Banking Industry

    Science.gov (United States)

    Okoro, Henrietta Mbamalu

    2010-01-01

    Recent merger waves in most organizations fail to increase organizational performance and sustain competitive advantage. Several U.S. organizational mergers failed to sustain market competition and retain employees. Most consolidated and merged banks in Nigeria are in distress and have failed to increase organizational performance. Currently,…

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

    Directory of Open Access Journals (Sweden)

    Tareq Alhousary

    2016-07-01

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

  1. [Portuguese-language cultural adaptation of the Items Banks of Anxiety and Depression of the Patient-Reported Outcomes Measurement Information System (PROMIS)].

    Science.gov (United States)

    Castro, Natália Fontes Caputo de; Rezende, Carlos Henrique Alves de; Mendonça, Tânia Maria da Silva; Silva, Carlos Henrique Martins da; Pinto, Rogério de Melo Costa

    2014-04-01

    The Patient-Reported Outcome Measurement Information System (PROMIS), structured in Itens Banks, provides a new tool for evaluating results that apply to various chronic diseases through advanced statistical techniques (TRI) and computerized adaptive testing (CAT). The aim of this study was to culturally adapt the Items Banks of Anxiety and Depression of PROMIS to the Portuguese language. The process followed the recommendations of PROMIS through the advanced translation, reconciliation, back-translation, FACIT review, independent review, finalization, pre-test, and incorporation of the results from the pre-test. The translated version was pre-tested in ten patients, and items 3, 46, and 53 of the Bank of Anxiety and item 46 of the bank of Depression had to be changed. Changes affected equivalence of meaning, and the final version was consistent with the Brazilian population's linguistic and cultural skills. In conclusion, for the Brazilian population the translated version proved semantically and conceptually equivalent to the original.

  2. Cultural Memory of Sorrow in Advertising after the Terrorist Attacks

    Directory of Open Access Journals (Sweden)

    Esther Martínez Pastor

    2015-09-01

    Full Text Available The general objective of this research study is to do a comparative research to investigate the perception of sorrow in the advertising in the press after the terrorist attacks: 11/09/2001 (U.S. and 11/04/2004 (Spain. The general hypothesis considers that there are similar perceptions of the sorrow towards the ads although there are cultural differences. On a computer program the subject was shown these images about announcement advertisement published in the press after the 09/11 and 11/04 in a random order and was asked different questions that explored their perception and attitudes with regard to these advertisements

  3. Bringing culture back in: A neo-Durkheimian perspective on central banking

    Directory of Open Access Journals (Sweden)

    Carlo Tognato

    2008-06-01

    Full Text Available In the course of the past few decades, independent central banks have been regarded as one of the purest institutional distillates of modern rationality. Occasionally, however, and quite paradoxically, religious metaphors and narratives percolate into the monetary sphere and transform it. The purpose of this paper is to discuss whether a Durkheimian reading of monetary affairs is analytically suitable, to what extent it is so, and what implications it may have upon monetary studies.

  4. Living in history and living by the cultural life script: How older Germans date their autobiographical memories.

    Science.gov (United States)

    Bohn, Annette; Habermas, Tilmann

    2016-01-01

    This study examines predictions from two theories on the organisation of autobiographical memory: Cultural Life Script Theory which conceptualises the organisation of autobiographical memory by cultural schemata, and Transition Theory which proposes that people organise their memories in relation to personal events that changed the fabric of their daily lives, or in relation to negative collective public transitions, called the Living-in-History effect. Predictions from both theories were tested in forty-eight-old Germans from Berlin and Northern Germany. We tested whether the Living-in-History effect exists for both negative (the Second World War) and positive (Fall of Berlin Wall) collectively experienced events, and whether cultural life script events serve as a prominent strategy to date personal memories. Results showed a powerful, long-lasting Living-in History effect for the negative, but not the positive event. Berlin participants dated 26% of their memories in relation to the Second World War. Supporting cultural life script theory, life script events were frequently used to date personal memories. This provides evidence that people use a combination of culturally transmitted knowledge and knowledge based on personal experience to navigate through their autobiographical memories, and that experiencing war has a lasting impact on the organisation of autobiographical memories across the life span.

  5. Can soil seed banks serve as genetic memory? A study of three species with contrasting life history strategies.

    Directory of Open Access Journals (Sweden)

    Bohumil Mandák

    Full Text Available We attempted to confirm that seed banks can be viewed as an important genetic reservoir by testing the hypothesis that standing (aboveground plants represent a nonrandom sample of the seed bank. We sampled multilocus allozyme genotypes from three species with different life history strategies: Amaranthus retroflexus, Carduus acanthoides, Pastinaca sativa. In four populations of each species we analysed the extent to which allele and genotype frequencies vary in consecutive life history stages including the summer seed bank, which has been overlooked up to now. We compared the winter seed bank (i.e., seeds collected before the spring germination peak, seedlings, rosettes, the summer seed bank (i.e., seeds collected after the spring germination peak and fruiting plants. We found that: (1 All three species partitioned most of their genetic diversity within life history stages and less among stages within populations and among populations. (2 All genetic diversity parameters, except for allele frequencies, were similar among all life history stages across all populations in different species. (3 There were differences in allele frequencies among life history stages at all localities in Amaranthus retroflexus and at three localities in both Carduus acanthoides and Pastinaca sativa. (4 Allele frequencies did not differ between the winter and summer seed bank in most Carduus acanthoides and Pastinaca sativa populations, but there was a marked difference in Amaranthus retroflexus. In conclusion, we have shown that the summer seed bank is not genetically depleted by spring germination and that a majority of genetic diversity remains in the soil through summer. We suggest that seed banks in the species investigated play an important role by maintaining genetic diversity sufficient for recovery rather than by accumulating new genetic diversity at each locality.

  6. Cultural Encounters in the Banking Sector of Serbia: The Case of Raiffeisenbank

    Directory of Open Access Journals (Sweden)

    Jelena Pešić

    2016-02-01

    Full Text Available This paper aims to examine the existence of cultural shock, differences and conflicts inside Raiffeisenbank, between personnel belonging to two national cultures (Austrian and Serbian, which could, conditionally, be regarded as representatives of ’’Western’’ and ’’Eastern’’ cultural models. The focus of the research was on elements of organizational culture, such as horizontal and vertical relationships, the type of leadership, the extent of formalization of procedures and work tasks, the types of motivations for different parties, but also on certain elements of work cultures (e.g., the respect of time limits, attitude toward extended working hours, etc.. Specific focus was placed on the role of cultural mediators, whose function was to mediate in the process of adaptation by the representatives of local national culture to novelties in the organizational culture imported from the outside, but also in the process of adaptation by foreigners to the local culture. The case study comprises a short history of Raiffeisenbank, analysis of written documents, and in depth interviews with individuals who could be regarded as "typical" in the examined cultural encounters.

  7. Memory for expectation-violating concepts: the effects of agents and cultural familiarity.

    Directory of Open Access Journals (Sweden)

    Michaela Porubanova

    Full Text Available Previous research has shown that ideas which violate our expectations, such as schema-inconsistent concepts, enjoy privileged status in terms of memorability. In our study, memory for concepts that violate cultural (cultural schema-level expectations (e.g., "illiterate teacher", "wooden bottle", or "thorny grass" versus domain-level (ontological expectations (e.g., "speaking cat", "jumping maple", or "melting teacher" was examined. Concepts that violate cultural expectations, or counter-schematic, were remembered to a greater extent compared with concepts that violate ontological expectations and with intuitive concepts (e.g., "galloping pony", "drying orchid", or "convertible car", in both immediate recall, and delayed recognition tests. Importantly, concepts related to agents showed a memory advantage over concepts not pertaining to agents, but this was true only for expectation-violating concepts. Our results imply that intuitive, everyday concepts are equally attractive and memorable regardless of the presence or absence of agents. However, concepts that violate our expectations (cultural-schema or domain-level are more memorable when pertaining to agents (humans and animals than to non-agents (plants or objects/artifacts. We conclude that due to their evolutionary salience, cultural ideas which combine expectancy violations and the involvement of an agent are especially memorable and thus have an enhanced probability of being successfully propagated.

  8. A cross-cultural study of the lifespan distributions of life script events and autobiographical memories of life story events

    DEFF Research Database (Denmark)

    Zaragoza Scherman, Alejandra; Salgado, Sinué; Shao, Zhifang

    of major transitional life events in an idealized life course. By comparing the lifespan distribution of life scripts events and memories of life story events, we can determine the degree to which the cultural life script serves as a recall template for autobiographical memories, especially of positive...

  9. Literature as a Medium of Cultural Memory in Novel by Drago Jančar That Night I Saw Her

    Directory of Open Access Journals (Sweden)

    Primož Tanko

    2015-09-01

    Full Text Available This paper tries to show the literature as an important part of building and conservation of the cultural memory of the society. Cultural memory belongs also to individuals and groups and they have a common reference point, which are often photos or objects that evoke the memory, event or commemoration which is an important part of identity. In this case is also important that literature through biographical or fictional stories represents space and time. Often fictional literature creates a genuine feeling of a memory to some particular times or events, because it had a wider range of stories, characters and situations and in this way is literature creating collective memory in a more concentrated form. On the case of recent novel by Drago Jancar To noč sem jo videl - That night I saw her, will I show how work literature as a medium of cultural memory and also which are the themes, that are important in Slovenian cultural memory

  10. The role of culture and self-construal in autobiographical memories of US and Turkish college students.

    Science.gov (United States)

    Sahin, Basak; Mebert, Carolyn J

    2013-01-01

    This study examined memory variables both cross-culturally and across four cultural self-construal types. US (N=240) and Turkish (N=174) college students described their earliest childhood memory, and another significant childhood memory, and completed the Balanced Integration-Differentiation (BID) Scale (Imamoglu, 1998; 2003), which measured relatedness and individuation, and allowed for the classification of students into four different self-construal types (Related-Individuated, Separated-Individuated, Related-Patterning, Separated-Patterning). At the cultural level US students' earliest memories were dated approximately 6 months earlier, had greater volume, and were more positive. US students also reported memories as more important. Turkish students' memories had more detail, a higher proportion of propositions, self-, other- and we-related words, and higher other-self ratios, and they were clearer than those of US students. Turkish students also reported greater ease in describing their earliest memory in words. At the level of self-construal the primary differences were between students high in both relatedness and individuation and those low in both. The culture by BID interaction was significant in only 1 of the more than 24 analyses.

  11. On The Fabrication of Cultural Memory: History Theme Malls in Dubai

    Directory of Open Access Journals (Sweden)

    John Biln

    2016-06-01

    Full Text Available Dubai, one of the most mobile cities in the world, is rapidly cementing its image as a global city and icon of Islamic tolerance. Dubai’s economic opportunities, relative safety and geographic centrality in the heart of the Middle East make it attractive to a wide range of economic and political migrants from across the region. This article asks how a city which is overwhelmingly populated by members of a highly mobile and diverse non-citizen workforce could construct a plausible sense of collective memory, a fundamental requirement for any meaningful social cohesion. In considering this question, the article reviews two well-known history-themed commercial centers, Ibn Batutta Mall and the Khan Murjan in Wafi Mall. Each of these emphasize Arab-Islamic cultural heritage and the region’s long history of trade and transit. Both malls highlight culturally significant journeys documented in historical manuscripts. The article concludes that in constructing a complex experience which maps immediate spatial movement onto well-known travel narratives, the Ibn Battuta and Khan Murjan centers provide scaffolds for a cultural memory essentially “made to order” for a population who share, if little else, a profound sense of dislocation, flow and perpetual movement.

  12. Cultural critique and canon formation, 1910-1937. A study in modernism and cultural memory

    OpenAIRE

    Patterson, Ian

    1997-01-01

    This thesis argues that one of the tasks of literary hiStory is to identify and challenge the processes by which writers who were once highly valued come to be forgotten and excluded from the canon. I investigate the work and cultural milieu of three such writers: Douglas Goldring, John Rodker and Mary Butts. The first chapter sets the terms of the argument, and presents the grounds for a reconfiguration of the conventional historical view of modernism. The second examines the early wor~ of D...

  13. Cultural Memory Inscribed in the Skin: Symbols of Nation as Tattoo Art in New Zealand

    Directory of Open Access Journals (Sweden)

    Claudia Bell

    2014-11-01

    Full Text Available In New Zealand there is a strand of cultural memory popularly known as 'kiwiana'. The term embraces everyday popular cultural practices - beach activities in summer, food rituals  - as well as an array of vintage artefacts.  The latter are locally manufactured items originating mainly in the 1940s-50s, when import restrictions limited the availability of household goods.  Local makers created products for the domestic market, for instance grocery items (and their logo-bearing containers, household crockery and toys. Those items, intrinsically representations of white (pakeha culture, are fondly recalled by the baby boomers, and have become popular collectibles.  Images of the same items have now become prevalent as decorative motifs on home wares and clothing.Recently a further celebratory strand of kiwiana has now appeared: the inscription of its motifs as extensive permanent skin tattoos. While Maori have always practiced meaningful skin tattoo, and whilst body tattoos in general have joined the realm of fashion, this is something new.  Here we see a recasting of the kiwiana images of popular cultural memory, now drawn onto the body.  One wearer of such a tattoo, a 26 year old plumber, said 'I love New Zealand. I am very proud of who we are and I wouldn't change being a kiwi for the world'. His design, a map of New Zealand on his back in filled with kiwiana items, shows his personal subscription to the populist representations that are utilised as apolitical definition of kiwi­ ness.  Kiwiana tattoo as a growing everyday practice is the focus of this paper.

  14. Reflections of Cultural Memory in the Island of Disputes: Reading Durrell’s Bitter Lemons of Cyprus

    Directory of Open Access Journals (Sweden)

    Yildiray Cevik

    2015-09-01

    Full Text Available The clean reading of Durrell’s Aegean travelogues favors the elaboration of memories of travels, a proper circumstance of getting involved in the cultural milieu of the island of Cyprus. Lawrence Durrell’s travel book Bitter Lemons of Cyprus (1957, which is based on his three-year stay on the island, a sojourn which coincided with the enosis crisis along with value, personal and cultural conflicts shows how representations of cultural and political conflicts are inextricably linked to representation of modern oriental thought. He sees the clashes of tension in living styles of bi-polar society, characters and British politics even though he claims to keep away from British politics. Island’s cultural ideology of ‘melting pot’ has been replaced by bi-culturalism in the recent decades.  The novel is an embodiment of cultural identities in cleavages surviving for recognition which also demonstrates a need for the construction of an egalitarian bi-communal society. The novel is told of in various perspectives of ethnicities that are used as tools for cultural integration, preservation of identity and culture by the images of prominent figures from respective ethnicities. These perspectives formed mainly under Durrell’s orientalist viewpoint fill the novel through the cultural memory construed writer’s sovereign Western consciousness out of whose unchallenged centrality on Oriental perspective emerged. Durrell filters his experiences through cultural memory after the return to England. Thus, in this paper cultural memory as Durrell reflects on a tri-partite basis will be analyzed in terms of conflicts, stereotypes, identity crisis, clashes and hopes for negotiations.

  15. Memory, history and culture: The image of Mardin in the works of Murathan Mungan

    Directory of Open Access Journals (Sweden)

    Seyit Battal Uğurlu

    2007-09-01

    Full Text Available The urban image of Mardin where Murathan Mungan spent seventeen years of his life has a crucial place in his works. Mardin with its historical and cultural richness not only reflects itself at level of symbolic reality in Mungan’s works but also functions as a source for multiple perspectives and themes. Mardin, as a crossroad of different cultures, is an everlasting fountain to which Mungan often returns for self-realization. Being situated at the crossroad of Mesopotamia and Anatolian cultures, Mardin with its historical and cultural richness provides sources for narrations based on mythology, story, legend and tradition in the works of Mungan. Elves of Money (Paranin Cinleri is a journey to this past where the author’s self is at the centre. Mardin with its street, houses and life styles shows itself in a decorative manner in the work of In Front of Kafdağı (Kafdağı’nın Önü. In his work of Mesopotamia Trilogy (Mezopotamya Üçlemesi, Mungan deals with individual problems within the deadlock of traditional life in the light of lifesytle in the region. The perspectives feeding Mungan’s lyrics also find their inspirations from Mardin. In this paper, it is aimed to show how Mardin as a memory setting is reflected in the works of Mungan

  16. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  17. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  18. Soft law, self-regulation and cultural sensitivity: The case of regulating Islamic banking in the UK

    OpenAIRE

    Abdul Karim Aldohni

    2014-01-01

    The Islamic banking sector has grown significantly over the last three decades and reached many international financial markets. As their name suggests Islamic banks are governed by the rules of Islamic law (Sharia). The Sharia compliance requirement has its implication on the nature of Islamic banks’ operations. The prohibition of interest prevents Islamic banks from using conventional financial products. Instead, Islamic financial products are based on the principle of profit-loss sharing. ...

  19. A new permanent cell line derived from the bank vole (Myodes glareolus as cell culture model for zoonotic viruses

    Directory of Open Access Journals (Sweden)

    Herzog Sibylle

    2011-07-01

    Full Text Available Abstract Background Approximately 60% of emerging viruses are of zoonotic origin, with three-fourths derived from wild animals. Many of these zoonotic diseases are transmitted by rodents with important information about their reservoir dynamics and pathogenesis missing. One main reason for the gap in our knowledge is the lack of adequate cell culture systems as models for the investigation of rodent-borne (robo viruses in vitro. Therefore we established and characterized a new cell line, BVK168, using the kidney of a bank vole, Myodes glareolus, the most abundant member of the Arvicolinae trapped in Germany. Results BVK168 proved to be of epithelial morphology expressing tight junctions as well as adherence junction proteins. The BVK168 cells were analyzed for their infectability by several arbo- and robo-viruses: Vesicular stomatitis virus, vaccinia virus, cowpox virus, Sindbis virus, Pixuna virus, Usutu virus, Inkoo virus, Puumalavirus, and Borna disease virus (BDV. The cell line was susceptible for all tested viruses, and most interestingly also for the difficult to propagate BDV. Conclusion In conclusion, the newly established cell line from wildlife rodents seems to be an excellent tool for the isolation and characterization of new rodent-associated viruses and may be used as in vitro-model to study properties and pathogenesis of these agents.

  20. Development of a cross-cultural item bank for measuring quality of life related to mental health in multiple sclerosis patients.

    Science.gov (United States)

    Michel, Pierre; Auquier, Pascal; Baumstarck, Karine; Pelletier, Jean; Loundou, Anderson; Ghattas, Badih; Boyer, Laurent

    2015-09-01

    Quality of life (QoL) measurements are considered important outcome measures both for research on multiple sclerosis (MS) and in clinical practice. Computerized adaptive testing (CAT) can improve the precision of measurements made using QoL instruments while reducing the burden of testing on patients. Moreover, a cross-cultural approach is also necessary to guarantee the wide applicability of CAT. The aim of this preliminary study was to develop a calibrated item bank that is available in multiple languages and measures QoL related to mental health by combining one generic (SF-36) and one disease-specific questionnaire (MusiQoL). Patients with MS were enrolled in this international, multicenter, cross-sectional study. The psychometric properties of the item bank were based on classical test and item response theories and approaches, including the evaluation of unidimensionality, item response theory model fitting, and analyses of differential item functioning (DIF). Convergent and discriminant validities of the item bank were examined according to socio-demographic, clinical, and QoL features. A total of 1992 patients with MS and from 15 countries were enrolled in this study to calibrate the 22-item bank developed in this study. The strict monotonicity of the Cronbach's alpha curve, the high eigenvalue ratio estimator (5.50), and the adequate CFA model fit (RMSEA = 0.07 and CFI = 0.95) indicated that a strong assumption of unidimensionality was warranted. The infit mean square statistic ranged from 0.76 to 1.27, indicating a satisfactory item fit. DIF analyses revealed no item biases across geographical areas, confirming the cross-cultural equivalence of the item bank. External validity testing revealed that the item bank scores correlated significantly with QoL scores but also showed discriminant validity for socio-demographic and clinical characteristics. This work demonstrated satisfactory psychometric characteristics for a QoL item bank for MS in multiple

  1. What vaccination studies tell us about immunological memory within the innate immune system of cultured shrimp and crayfish.

    Science.gov (United States)

    Chang, Yu-Hsuan; Kumar, Ramya; Ng, Tze Hann; Wang, Han-Ching

    2017-03-07

    The possibility of immunological memory in invertebrates is a topic that has recently attracted a lot of attention. Today, even vertebrates are known to exhibit innate immune responses that show memory-like properties, and since these responses are triggered by cells that are involved in the innate immune system, it seems that immune specificity and immune memory do not necessarily require the presence of B cells and T cells after all. This kind of immune response has been called "immune priming" or "trained immunity". In this report, we review recent observations and our current understanding of immunological memory within the innate immune system in cultured shrimp and crayfish after vaccination with live vaccine, killed vaccine and subunit vaccines. We also discuss the possible mechanisms involved in this immune response. Copyright © 2017 Elsevier Ltd. All rights reserved.

  2. Retail Banking

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-07-01

    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.

  3. 外资村镇银行的信贷模式与文化特色%Credit Model and Cultural Characteristics of Foreign Rural Banks

    Institute of Scientific and Technical Information of China (English)

    于凤芹

    2015-01-01

    村镇银行诞生7年以来,在我国农村地区的发展如星星之火。与多数中资村镇银行相比,外资村镇银行更能践行“支农支小”的市场目标,安心为农户服务;其信贷模式最大限度地利用了我国农村地区的地缘优势,注重邻里评价;外资村镇银行善于将市场化与人性化管理相结合,突出了鲜明的文化特色。%Rural banks, which born seven years ago, develop slowly in the rural areas in China. Compared with most Chinese-funded rural banks, foreign-funded rural banks more practice the target of“supporting for agriculture and small client”,and service for farmers. Their credit model maximize the geographical advantage of China’s rural ar-eas, focusing on neighborhood evaluation. Foreign-funded rural banks are good at the combination of market and hu-mane management,which highlight the distinct cultural characteristics.

  4. Tõlkelugu ja kultuurimälu / Translation History and Cultural Memory

    Directory of Open Access Journals (Sweden)

    Elin Sütiste

    2012-06-01

    Full Text Available In Estonian culture, the past has value, and efforts are continuously being made to commit to memory that which is considered worth remembering. While there exist a number of histories (national history, literary history, art history, etc., so far no comprehensive and systematic translation history has been written on Estonian culture. At the same time it cannot be said that there is lack of intere st in translation histor y: on the contrar y, many studies have been and are being made in relation to this topic. To use the terminology employed by Aleida Assmann to explain the areas and operation of cultural memory, the recent developments in the attitudes towards translation history in Estonia seem to show that translation history is something that should be remembered and brought out of the archives, transferred from states of passive remembrance and passive forgetting to the sphere of active remembrance.In comparison with many other areas, the idea that a history of translation is something desirable and necessary for a culture is a relatively recent phenomenon; in any case, younger than the idea of the indispensability of literary history, for example. One of the reasons for this may lie in the way translation has been perceived in Western culture and what its relation to ‘original’ literature has been. Susan Bassnett has estimated that the boundary between originals and translations began to be drawn in the seventeenth century, when the idea of an ‘original’ began to acquire currency, and that by the nineteenth century, the status of a translation was generally considered to be lower than that of an ‘original’. This kind of distinction between originals and translations has been noticeable in Estonian culture also, especially since the formation of the influential group “Young Estonia” at the beginning of the 20th century. Additionally, in Estonia as well as in many other countries, literature has been instrumental in shaping

  5. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

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

  6. Cultural Memory on "Great" People in a "Small" Town: The Perception of King Alexander Karađorđević and Marshal Josip Broz Tito in the Cultural Memory of Samobor

    Directory of Open Access Journals (Sweden)

    Danijel Vojak

    2015-08-01

    Full Text Available Starting from the thesis that ''history is written by the winners”, ''mainstream'' history can be under¬stood as the revised and politically instrumentalized means of a certain nation's ''cultural'' memory, which some consider to be a ''history of selective memo¬ri¬zation and selective forgetfulness''. Most approaches in con¬temporary Croatian historiography which are focu¬sed on the historical periods of monarchist and socialist Yugoslavia use national-level themes as their starting point. A similar preoccupation is also present in those historiographical approaches which are focused on the problems of analyzing and understanding how collective memories are constructed. However, our aim here is to move from the ''big'' themes to a ''small'' (local setting. In this context, Samobor, a small Croatian urban centre, is going to serve us as the basis for analyzing in which way two Yugoslav rulers – King Alexander Karađorđević and Marshal Josip Broz Tito – were perceived on the local level. By analyzing the relevant archival sources as well as contemporary periodicals, we seek to un¬der¬stand the ways in which local authorities and elites, from their position of social power and status, received the mentioned rulers during their visits, and in which ways did they honour and commemorate these high-profile guests. Through this analysis, we hope to gain a better understanding of the process of the creation of local social memory, the constitution of memorial and cul¬tural patterns, and their key cultural elements and me¬anings, which are often torn apart during periods of social and political upheaval, only to be reconstituted by recombining the same key cultural and social elements while simultaneously encompassing new actors. In other words, the focus of our analysis will be on tracing the collective memory of the population of Samobor to¬wards two ''great leaders''. Starting from the thesis that ''history is written by the winners

  7. Public memory and national recreation. Politics of memory and cultural practices in republican Barcelona (1931-1936

    Directory of Open Access Journals (Sweden)

    Fernando Sánchez-Costa

    2015-04-01

    Full Text Available The aim of this article is to analyse speeches and commemorative practices in Barcelona during the Second Republic (1931-1936. For this purpose, it uses a wide range of contemporary newspaper and administrative sources as well as national and international bibliography. The author understands that the «public memory» forms part of the «public sphere» in the Habermassian sense, that is to say of the area in which the community discovers and defines itself. With this aim in mind, the author dissects commemorative narratives and praxis so as to identify the ideologically implicit concepts that underlie or are made explicit within them. The concept of «public memory» is defined as a category of sociohistorical analysis. The text analyses the dominant speeches of memory and their links with the prevailing liberal-working class nationalism. It studies the coincidences and differences between these verbal and visual accounts and renaixentista Catalan historiography. At the same time, it is argued that the fundamental tenets of the Catalan historical mind-set, as well as the wish to «redeem the past», enable us to interpret the political behaviour of leaders in this period. The article also makes reference to the importance of citizen-led initiatives for the symbolic configuration of the new tapestry of urban memory.

  8. Television as a Hybrid Repertoire of Memory: New Dynamic Practices of Cultural Memory in the Multi-Platform Era

    NARCIS (Netherlands)

    Hagedoorn, B.

    2013-01-01

    In this article, television is reconsidered as a hybrid ‘repertoire’ of memory. It is demonstrated how new dynamic production and scheduling practices in connection with highly accessible and participatory forms of user engagement offer opportunities for television users to engage with the past, and

  9. The cultural life script as cognitive schema: How the life script shapes memory for fictional life stories

    DEFF Research Database (Denmark)

    Koppel, Jonathan Mark; Berntsen, Dorthe

    2014-01-01

    We tested, across three studies, the effect of the cultural life script on memory and its phenomenological properties. We focused, in particular, on the mnemonic effects of both schema-consistency and frequency in the life script. In addition to testing recognition (in Study 1) and recall (in...... with the life script, memory for its valence was reconstructed to fit the script (in Study 2); and, third, intrusions in recall were disproportionately for life script events (in Study 3), though that was not the case in recognition (in Study 1). We conclude that the life script serves as a cognitive schema...... Studies 2 and 3), we also collected remember/know judgments for remembered events (in Studies 1 and 2) and memory for their emotional valence (in Study 2). Our primary finding was that, across all three studies, higher-frequency events were more memorable than lower-frequency events, as measured through...

  10. What happens when we compare the lifespan distributions of life script events and autobiographical memories of life story events? A cross-cultural study

    DEFF Research Database (Denmark)

    Zaragoza Scherman, Alejandra; Salgado, Sinué; Shao, Zhifang

    and memories of life story events, we can determine the degree to which the cultural life script serves as a recall template for autobiographical memories, especially of positive life events from adolescence and early adulthood, also known as the reminiscence bump period........ Most of these memories are rated as emotionally positive (Rubin & Berntsen, 2003). The cultural life script represents culturally shared expectations about the order and timing of life events in an typical, idealised life course. By comparing the lifespan distribution of the life scripts events...

  11. Culture, Materiality, Memory: Collective Ownership and Action In Romanian Mutual Funds

    Directory of Open Access Journals (Sweden)

    Narcis TULBURE

    2015-12-01

    Full Text Available The paper presents the tensions between collectivist and corporatist forms of ownership for Romanian mutual funds. Drawing on my research among retail investors of funds that ended up in bankruptcy throughout the postsocialist period, I document the material practices and graphic artefacts they deploy in litigation as ways to make claims and produce evidence regarding their ongoing financial involvement and the rights to compensations. I focus specifically on the files documenting their personal histories (providing moral reasons for pursuing “speculative” investments as well as those materializing the memory of their involvement with the capital market. I conclude that material practices are constitutive of vernacular forms of financial and legal knowledge. Furthermore, they engender specific types of property that serve as premises for the defense of investor rights and as grounds for emerging forms of collective action. Methodologically, the conclusion of the paper is that qualitative methods constitute alternative approaches and a valuable complement of quantitate research methods for the behaviors of mutual fund investors illustrating some of the cultural components giving specific dynamics to the popular participation to the capital market that can be subsequently quantified.

  12. Culture Construction is an Important Factor to the Healthy Development of Blood Bank%文化建设是推动血站健康发展的重要因素

    Institute of Scientific and Technical Information of China (English)

    闫麟; 李大元; 张秦永; 魏耀辉; 赵花兰

    2011-01-01

    加强血站文化建设,多方面、多层次、多方位树立血站良好的社会形象,是全面推动血站建设和发展的重要因素.指出应从物质、制度、精神、环境及行为5方面积极构建血站文化,从而促进血站质量管理及服务水平的提高.%Strengthening culture construction of blood bank, multifaceted setting a good social image of blood bank is an important factor to promote construction and development of blood bank. The paper pointed out that the culture construction of blood bank should be promoted from five aspects: the material, system, spiritual, environmental and behavioral, to promote quality management and service level

  13. THE INFLUENCE OF SPIRITUAL INTELLIGENCE,LEADERSHIP, AND ORGANIZATIONAL CULTURE ON ORGANIZATIONAL CITIZENSHIP BEHAVIOR: A STUDY TO ISLAMIC BANK IN MAKASSAR CITY

    Directory of Open Access Journals (Sweden)

    Muhdar. HM

    2015-06-01

    Full Text Available The aims of this study are to find out and to analys: (1 the influence of spiritual intelligence on organizational citizenship behavior; (2 the influence of leadership on organizational citizenship behavior; (3 the influence of organizationan culture on organizational citizenship behaviorThe population included all employees of Islamic Bank in Makassar City. There were 178 samples determined by using Slovin formula. The samples were selected in two stages: proportional and purposive sampling. The data were analyzed by using path analysis with the AMOS 21 program. The results show that: spiritual intelligence has a positive and significant influence on organizational citizenship behavior; leadership has a positive and significant influence on organizational citizenship behavior; organizational culture has a positive and significant influence on organizational citizenship behavior.

  14. Strong Components of Epigenetic Memory in Cultured Human Fibroblasts Related to Site of Origin and Donor Age.

    Science.gov (United States)

    Ivanov, Nikolay A; Tao, Ran; Chenoweth, Joshua G; Brandtjen, Anna; Mighdoll, Michelle I; Genova, John D; McKay, Ronald D; Jia, Yankai; Weinberger, Daniel R; Kleinman, Joel E; Hyde, Thomas M; Jaffe, Andrew E

    2016-02-01

    Differentiating pluripotent cells from fibroblast progenitors is a potentially transformative tool in personalized medicine. We previously identified relatively greater success culturing dura-derived fibroblasts than scalp-derived fibroblasts from postmortem tissue. We hypothesized that these differences in culture success were related to epigenetic differences between the cultured fibroblasts by sampling location, and therefore generated genome-wide DNA methylation and transcriptome data on 11 intrinsically matched pairs of dural and scalp fibroblasts from donors across the lifespan (infant to 85 years). While these cultured fibroblasts were several generations removed from the primary tissue and morphologically indistinguishable, we found widespread epigenetic differences by sampling location at the single CpG (N = 101,989), region (N = 697), "block" (N = 243), and global spatial scales suggesting a strong epigenetic memory of original fibroblast location. Furthermore, many of these epigenetic differences manifested in the transcriptome, particularly at the region-level. We further identified 7,265 CpGs and 11 regions showing significant epigenetic memory related to the age of the donor, as well as an overall increased epigenetic variability, preferentially in scalp-derived fibroblasts-83% of loci were more variable in scalp, hypothesized to result from cumulative exposure to environmental stimuli in the primary tissue. By integrating publicly available DNA methylation datasets on individual cell populations in blood and brain, we identified significantly increased inter-individual variability in our scalp- and other skin-derived fibroblasts on a similar scale as epigenetic differences between different lineages of blood cells. Lastly, these epigenetic differences did not appear to be driven by somatic mutation--while we identified 64 probable de-novo variants across the 11 subjects, there was no association between mutation burden and age of the donor (p = 0

  15. Multilevel participation within on-line collections of local memories as a practice of cultural citizenship

    NARCIS (Netherlands)

    Kreek, de Mike

    2011-01-01

    Collecting local memories on-line is a growing practice with participatory elements on different levels. Three levels of participation – micro, meso and macro – are introduced by describing an exemplary case: the Memory of East in Amsterdam. These levels of this particular case can be grounded in th

  16. Buffered banks in multiprocessor systems

    Energy Technology Data Exchange (ETDEWEB)

    Robbins, K.A.; Robbins, S. [Univ. of Texas, San Antonio, TX (United States)

    1995-04-01

    A memory design based on logical banks is analyzed for shared memory multiprocessor systems. In this design, each physical bank is replaced by a logical bank consisting of a fast register and subbanks of slower memory. The subbanks are buffered by input and output queues which substantially reduce the effective cycle time when the reference rate is below saturation. The principal contribution of this work is the development of a simple analytical model which leads to scaling relationships among the efficiency, the bank cycle time, the number of processors, the size of the buffers, and the granularity of the banks. These scaling relationships imply that if the interconnection network has sufficient bandwidth to support efficient access using high-speed memory, then lower-speed memory can be substituted with little additional interconnection cost. The scaling relationships are shown to hold for a full datapath vector simulation based on the Cray Y-MP architecture. The model is used to develop design criteria for a system which supports 192 independent reference streams, and the performance of this system is evaluated by simulation over a range of loading conditions. 22 refs.

  17. 文化创伤与侨批记忆%Cultural Trauma and the Memory of Overseas Remittance

    Institute of Scientific and Technical Information of China (English)

    曹亚明

    2015-01-01

    In western academic circles, the theory of cultural trauma is mainly applied to the reflection on the history of the Second World War,while the Chinese academic community also applies it to the reflec⁃tion on the anti-rightist movement and the Cultural Revolution,but few people got it related with the studies of Overseas Remittance. It is a new attempt to explain the cultural trauma theory and memory of the overseas re⁃mittance.Cultural memory is a reservoir storing the experience and knowledge,while overseas remittance file is a kind of reservoir, a folk cultural form saving overseas’living experience and emotional experience.Over⁃seas remittance describes not just their personal memory,but all Chinese immigrants’traumatic memories. Hence, it is an important task for our current overseas Chinese studies to face the history and reflect cultural trauma.%西方学术界主要把文化创伤理论运用于对第二次世界大战历史的反思,中国学术界也开始把这一理论应用于反右运动和文革的反思,但将文化创伤理论与侨批记忆进行互相阐释还是一种新的尝试。文化记忆是保存经验与知识的储存器,而侨批档案正是一种具有意味的民间“文化形式”,也是保存侨民生存经验和情感体验的“储存器”。侨批所记载的并非仅仅是侨民个人的记忆,而是整个中国移民群体的创伤记忆。因此,直面侨民历史,反思文化创伤,是我们当前华侨研究和文化研究义不容辞的重要任务。

  18. The cultural life script as cognitive schema: how the life script shapes memory for fictional life stories.

    Science.gov (United States)

    Koppel, Jonathan; Berntsen, Dorthe

    2014-01-01

    We tested, across three studies, the effect of the cultural life script on memory and its phenomenological properties. We focused in particular on the mnemonic effects of both schema-consistency and frequency in the life script. In addition to testing recognition (in Study 1) and recall (in Studies 2 and 3), we also collected remember/know judgements for remembered events (in Studies 1 and 2) and memory for their emotional valence (in Study 2). Our primary finding was that, across all three studies, higher-frequency events were more memorable than lower-frequency events, as measured through either recognition or recall. We also attained three additional, complementary effects: First, schema-inconsistent events received remember ratings more often than schema-consistent events (in Study 2, with a trend to this effect in Study 1); second, where an event's emotional valence was inconsistent with the life script, memory for its valence was reconstructed to fit the script (in Study 2); and, third, intrusions in recall were disproportionately for life script events (in Study 3), although that was not the case in recognition (in Study 1). We conclude that the life script serves as a cognitive schema in how it shapes memory and its phenomenological properties.

  19. Marketing Strategies and National Culture: an empirical investigation of customers’ acceptance of the online banking channel in the context of Saudi national culture

    OpenAIRE

    Altwaijri, Ahmad Saleh

    2015-01-01

    This thesis was submitted for the award of Doctor of Philosophy and was awarded by Brunel University London Technology and the development of the Internet has led to greater awareness among organisations of the role the Internet can play in improving services through online channels. Banks, financial institutions and the relevant government authorities in the Kingdom of Saudi Arabia (KSA) have made great progress towards improving their e-services; however, these efforts came with a lack o...

  20. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  1. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  2. Bank regulation and banking stability

    NARCIS (Netherlands)

    Boot, A.; Thakor, A.V.

    2014-01-01

    This note discusses some issues in bank closure policy from a financial stability standpoint and how these issues have evolved since we first raised the question of how a reputation-driven divergence of interests between bank regulators and taxpayers may distort bank closure policy in our 1993 paper

  3. Memorialization, Graffiti and Artifact Movement: A Case Study of Cultural Impacts on WWII Underwater Cultural Heritage in the Commonwealth of the Northern Mariana Islands

    Science.gov (United States)

    McKinnon, Jennifer F.

    2015-04-01

    Cultural tourism in the Pacific has always offered an underwater option for those who snorkel or are certified to dive. In addition to the coral reefs and marine life, World War II (WWII) shipwrecks, aircraft wrecks and other submerged vehicles draw hundreds of tourists to the Pacific each year. While it is encouraging that so many are interested in the cultural heritage of battlefields, these same visitors can cause considerable amounts of damage. This paper presents a case study of cultural impacts on submerged WWII sites in the Commonwealth of the Northern Mariana Islands (CNMI) where diving heritage tourism is a growing industry. Cultural impacts in the CNMI include a diverse range of direct and indirect impacts including vandalism, the act of memorialization, looting and collecting souvenirs, anchor and mooring damage, and moving artifacts. What is often viewed as detrimental cultural impacts by archaeologists and managers can also be examined as behavior that reflects various stakeholders' values and attitudes towards heritage sites. As such, these behaviors can and should be examined and considered concurrently during research and management discussions.

  4. Australian Item Bank Program: Social Science Item Bank.

    Science.gov (United States)

    Australian Council for Educational Research, Hawthorn.

    After vigorous review, editing, and trial testing, this item bank was compiled to help secondary school teachers construct objective tests in the social sciences. Anthropology, economics, ethnic and cultural studies, geography, history, legal studies, politics, and sociology are among the topics represented. The bank consists of multiple choice…

  5. Communication Skills for Banking Curriculum.

    Science.gov (United States)

    Fairfax County Public Schools, Falls Church, VA. Office of Adult and Community Education.

    The communications skills course was developed for bank employees who are non-native speakers of English, to assist them in improving their English and knowledge of the American workplace culture and to increase productivity. It consists of three instructional levels. Topics covered in level 1 reflect concerns of bank managers about basic…

  6. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  7. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

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

  8. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

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

  9. Memory design

    DEFF Research Database (Denmark)

    Tanderup, Sisse

    Mind and Matter - Nordik 2009 Conference for Art Historians Design Matters Contributed Memory design BACKGROUND My research concerns the use of memory categories in the designs by the companies Alessi and Georg Jensen. When Alessi's designers create their products, they are usually inspired...... by cultural forms, often specifically by the concept of memory in philosophy, sociology and psychology, while Danish design traditionally has been focusing on form and function with frequent references to the forms of nature. Alessi's motivation for investigating the concept of memory is that it adds...... a cultural dimension to the design objects, enabling the objects to make an identity-forming impact. Whether or not the concept of memory plays a significant role in Danish design has not yet been elucidated fully. TERMINOLOGY The concept of "memory design" refers to the idea that design carries...

  10. Remembering an Iron Outlaw : the cultural memory of Ned Kelly and the development of Australian identities

    NARCIS (Netherlands)

    Basu, L.S.

    2010-01-01

    Nineteenth-century outlaw Ned Kelly is probably Australia’s most famous historical figure. Ever since the start of his outlawry in 1878 his story has been repeated time and again, in every conceivable medium. Although the value of his memory has been hotly contested, he remains perhaps the national

  11. Remembering an Iron Outlaw : the cultural memory of Ned Kelly and the development of Australian identities

    NARCIS (Netherlands)

    Basu, L.S.|info:eu-repo/dai/nl/304823368

    2010-01-01

    Nineteenth-century outlaw Ned Kelly is probably Australia’s most famous historical figure. Ever since the start of his outlawry in 1878 his story has been repeated time and again, in every conceivable medium. Although the value of his memory has been hotly contested, he remains perhaps the national

  12. Constructing Patriotism: Teaching History and Memories in Global Worlds. Advances in Cultural Psychology: Constructing Human Development

    Science.gov (United States)

    Carretero, Mario

    2011-01-01

    Memory construction and national identity are key issues in our societies, as well as it is patriotism. How can we nowadays believe and give sense to traditional narrations that explain the origins of nations and communities? How do these narrations function in a process of globalization? How should we remember the recent past? In the construction…

  13. Book review: Popular culture in Asia: memory, city, celebrity by Lorna Fitzsimmons and John A. Lent

    OpenAIRE

    Moreno-Tabarez, Ulises

    2014-01-01

    "Popular Culture in Asia." Lorna Fitzsimmons and John A. Lent (eds). Palgrave Macmillan. May 2013. --- Popular Culture in Asia consists of studies of film, music, television, anime, architecture, and computer-mediated communication in China, Japan, South Korea, Taiwan, the Philippines, Malaysia, and Singapore. It aims to provide perspectives on relationships between Asian popular culture and a number of major socio-political issues and movements, including war responsibility, democratization,...

  14. Memory, collective memory, orality and the gospels

    African Journals Online (AJOL)

    Test

    2011-06-07

    Jun 7, 2011 ... with collective memory theory in the works of Halbwachs, Connerton, Gillis, Fentress and. Wickham, Olick, Schwartz ..... critical importance of cultural memory for (re)constructing history. ...... Frankfurt am Main. Baddeley, A.D. ...

  15. Cultural policy and the governmentalization of Holocaust remembrance in Europe: Romani memory between denial and recognition

    NARCIS (Netherlands)

    van Baar, H.

    2011-01-01

    We have been able to observe a shift in the European Union’s cultural policy from conceptualizing culture in symbolic terms to instrumentalizing it in governmental terms. Taking the example of Romani minority governance in Europe, this paper analyzes the consequences of this turn and focuses on the

  16. Cultural policy and the governmentalization of Holocaust remembrance in Europe: Romani memory between denial and recognition

    NARCIS (Netherlands)

    H. van Baar

    2011-01-01

    We have been able to observe a shift in the European Union’s cultural policy from conceptualizing culture in symbolic terms to instrumentalizing it in governmental terms. Taking the example of Romani minority governance in Europe, this paper analyzes the consequences of this turn and focuses on the

  17. 从文化角度审视山西票号中断的原因%The Reason of Shanxi Merchants Banks being Interrupted in the Cultural Perspective

    Institute of Scientific and Technical Information of China (English)

    李芳

    2014-01-01

    Shanxi Merchants Banks experienced from formation to destruction for about 100 years and created the world’s myth in financial history. However, Shanxi Merchants Banks did not become modern banking which the early financial institutions in other countries became. In Chinese history Shanxi Merchants Banks disappeared. This article re-examines its interrupted reason--- the individual credits and the utilitarian of Chinese traditional Confucianism culture and Chinese cultural beliefs in a cultural perspective.%山西票号从产生到其灭亡所经历的100多年,实现了汇通天下、货通天下的奇迹,创造了世界金融史上的神话。然而山西票号却没有像其他国家早期金融机构那样自身转变为现代的银行业,在中国历史上出现了金融业的“断层”现象,从文化角度来审视,中国儒家文化中的个人信用和中庸之道思想以及中国文化信仰的功利性是重要的原因。

  18. Martin Luther in Primetime. Television Fiction and Cultural Memory Construction in Cold War Germany

    Directory of Open Access Journals (Sweden)

    Stewart Anderson

    2013-06-01

    Full Text Available In 1983, both East and West Germany celebrated Martin Luther’s 500th birthday with great fanfare.  Nowhere was this competition more provocative and visually arresting, however, than in two multi-part television plays which depicted Luther’s life: the West German Martin Luther, broadcast by the public station ZDF in April, and the East German title of the same name, aired in October.  In this essay, I argue that the East German version constituted an appropriative strategy of memory formation – one which depicted Luther’s positive qualities and grafted them into the Marxist canon of heroes.  In contrast, the ZDF Martin Luther, which featured a highly rational Luther, projected what Jan Assmann has termed a normative strategy of harnessing Luther’s memory, focusing on Luther’s intellectual arguments and anti-radicalism.

  19. The Construction of National Memory Through Popular Culture. The Case of the Argentinian TV Show,

    Directory of Open Access Journals (Sweden)

    Elizondo Oviedo, María Verónica

    2010-07-01

    Full Text Available This article addresses the borders of the complex television sign through the analysis of the Argentinian TV show "Peter Capusotto y sus videos". In it we find that humor is used as a mechanism to dismantle binary hierarchic political and social oppositions. The program is presented as a musical and comedy TV show where concepts such as popular culture and mass culture are questioned through different false musicians. We focus our attention in the character of Bombita Rodríguez, el Palito Ortega montonero due to the controversy generated in the cultural scene by the fact of bringing up recent aspects of Argentinian history.

  20. Cultural resource applications for a GIS: Stone conservation at Jefferson and Lincoln Memorials

    Science.gov (United States)

    Joly, Kyle; Donald, Tony; Comer, Douglas

    1998-01-01

    Geographical information systems are rapidly becoming essential tools for land management. They provide a way to link landscape features to the wide variety of information that managers must consider when formulating plans for a site, designing site improvement and restoration projects, determining maintenance projects and protocols, and even interpreting the site. At the same time, they can be valuable research tools.Standing structures offer a different sort of geography, even though a humanly contrived one. Therefore, the capability of a geographical information system (GIS) to link geographical units to the information pertinent to the site and resource management can be employed in the management of standing structures. This was the idea that inspired the use of a GIS software, ArcView, to link computer aided design CAD) drawings of the Jefferson and Lincoln Memorials with inventories of the stones in the memorials. Both the CAD drawings and the inventory were in existence; what remained to be done was to modify the CAD files and place the inventory in an appropriately designed computerized database, and then to link the two in a GIS project. This work was carried out at the NPS Denver Service Center, Resource Planning Group, Applied Archaeology Center (DSC-RPG-AAC), in Silver Spring, Maryland, with the assistance of US/ICOMOS summer interns Katja Marasovic (Croatia) and Rastislav Gromnica (Slovakia), under the supervision of AAC office manager Douglas Comer. Project guidance was provided by Tony Donald, the Denver Service Center (DSC) project architect for the restoration of the Jefferson and Lincoln Memorials, and GIS consultation services by Kyle Joly.

  1. Transnational Debts: The Cultural Memory of Navajo Code Talkers in World War II

    Directory of Open Access Journals (Sweden)

    Birgit Däwes

    2015-05-01

    Full Text Available Even 70 years after it ended, World War II continues to endure in the global imagination. In the United States, images of the “Good War” prevail, and memories of the soldiers have been widely translated into displays of national heroism and glorification. At the same time, the celebratory narrative of national unity and democratic triumph is undercut by the counter-histories and experiences of the 44,000 Native American soldiers who served in this war. Their experiences and memories—in oral histories, interviews, as well as in fiction and film—challenge the narrative of a glorious nation in unison, especially in light of the historical conflicts between American nationalism and Native American political sovereignty. This paper investigates the specific memorial debt owed to the Navajo Code Talkers of World War II. Focusing on John Woo’s film Windtalkers (2002, Joseph Bruchac’s novel Code Talker (2005, and Chester Nez’s memoir Code Talker (2011, I will inquire into the field of tension between tribal, national, and transnational identities and explore the ways in which these tensions are negotiated at different sites of commemoration, especially in contrast to the distorted, consumer-oriented memory produced by the Hollywood industry. Through codes of orality, communal identity, and historicity, I argue, counter-strategies of narrating and remembering World War II not only decisively shape a revisionist writing of recent history and enrich the multicultural narrative of ‘America’ by Indigenous voices, but they also substantially contribute to current debates about transnational American identities.

  2. ARTISTIC INTERVENTION PROJECTS AND CULTURAL MEMORY: EXPERIENCES FROM PORTUGAL’S CENTRE REGION

    Directory of Open Access Journals (Sweden)

    Claudia Pato Carvalho

    2015-03-01

    Full Text Available In July and August 2013, O Teatrão, a Coimbra-based theatre company, presented the project Arruin-ados, comprising three theatre performances in three abandoned spaces (‘ruins’, one in each of three cities in the Centre region of Portugal located along the Mondego River: Coimbra, Montemor-o-Velho, and Figueira da Foz. Developed through a community the atre approach, the artistic presentations were based on the collection of local memories, including local testimonies and other types of local materials from local, social, and economic history. The objectives of the project were to bring un-der reflection how different types of urban and rural ruins, understood as scars and tattoos of a country, may speak about the history of that country and, at the same time, may inspire the possible future transformations and possibilities of change. In parallel with this reflec-tion, the artistic production embodies a strong commit-ment to build collective projects; a sense of a shared, common territory; and a network of people and things to explore and articulate, in a localized, concrete way, the history of Portugal between 1890 and 2020. The paper assesses the role and significance of Arruinados in the context of collective memory, community-based artistic interventions in public space, and the potential for local mobilization through the arts.

  3. Sustainable Competence: A Study of a Bank

    Science.gov (United States)

    Hagstrom, Tom; Backstrom, Tomas; Goransson, Susanna

    2009-01-01

    Purpose: Decentralization and company cultures have emerged to master increasing external flexibility, as in a competitive bank in Sweden, raising issues of the sustainability in terms of competence and competence development. The purpose of this paper is to study how the staff members in a bank perceive a company culture and how this perception…

  4. Sustainable Competence: A Study of a Bank

    Science.gov (United States)

    Hagstrom, Tom; Backstrom, Tomas; Goransson, Susanna

    2009-01-01

    Purpose: Decentralization and company cultures have emerged to master increasing external flexibility, as in a competitive bank in Sweden, raising issues of the sustainability in terms of competence and competence development. The purpose of this paper is to study how the staff members in a bank perceive a company culture and how this perception…

  5. Cross-Linguistic and Cross-Cultural Effects on Verbal Working Memory and Vocabulary: Testing Language-Minority Children with an Immigrant Background

    Science.gov (United States)

    Engel de Abreu, Pascale M. J.; Baldassi, Martine; Puglisi, Marina L.; Befi-Lopes, Debora M.

    2013-01-01

    Purpose: In this study, the authors explored the impact of test language and cultural status on vocabulary and working memory performance in multilingual language-minority children. Method: Twenty 7-year-old Portuguese-speaking immigrant children living in Luxembourg completed several assessments of first (L1)- and second-language (L2) vocabulary…

  6. 在巴西银行遭遇巴西文化%Encounter Brazil Culture in Bank

    Institute of Scientific and Technical Information of China (English)

    胡续冬

    2004-01-01

    @@ 记得我初到巴西利亚的时候,曾让本城的一个文艺青年领袖带我去城中文化活动最密集、最能嗅到巴西文化独特气味的地方去.结果,这哥们把我带到了巴西最大的国有银行巴西银行(Banco do Brasil).我开始直犯晕,以为是我没表达清楚,他没准以为我想了解巴西的金融业状态.没想到,巴西银行真的有一个占地面积庞大的文化中心(Centro Cultural do Banco do Brasil,巴西银行文化中心,简称CCBB),专用于承办各类大型公益性文化活动.除了巴西利亚城之外,各大城市的巴西银行也都设有CCBB的分支机构,CCBB在巴西境内所举办的文化活动占到了该国年度文化活动量的50%以上,是当之无愧的巴西文化脉动的心脏.

  7. Banking for the Broken-hearted

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    China’s first love bank cherishes keepsakes over cash by Liu Jian BANKS are places to deposit and withdraw money - and now love. Gong Yelong,a man in his early 30s,has opened China’s first love bank.Located on Gulou Dongdajie in Beijing’s Dongcheng District,the "Bank of Love"(Aiqing Yinhang in Chinese) offers a place where people can deposit keepsakes memorializing a relationship, along with providing various other love-related services. "It’s a pity to throw romantic mementos away,but keeping

  8. 75 FR 434 - Notice of Intent to Repatriate Cultural Items: Thomas Burke Memorial Washington State Museum...

    Science.gov (United States)

    2010-01-05

    ... Coroner's Office to the Burke Museum in 1965 (Burke Accn. 1966-77). All human remains are now missing. No... language group of Salish cultures. The Duwamish people primarily occupied this area, specifically the Lake people (Swanton 1952:423). In the 1870s, as the City of Seattle developed, the Lake people were...

  9. Preliminary data on the effect of culture on the assessment of Alzheimer's disease-related verbal memory impairment with the International Shopping List Test.

    Science.gov (United States)

    Lim, Yen Ying; Pietrzak, Robert H; Snyder, Peter J; Darby, David; Maruff, Paul

    2012-03-01

    The International Shopping List Test (ISLT) is a measure of verbal learning and memory, developed specifically for use in people from different cultural and linguistic backgrounds. In this report, we describe two studies that examined the ISLT's ability to detect memory impairment and memory decline in patients with mild Alzheimer's disease (AD) from a range of cultural and linguistic backgrounds. In Study 1, the performance of Australian-English-speaking adults with mild AD was compared with that of native Australian-English- and Korean-speaking patients with mild AD. Compared with controls, patients with AD from both language groups showed large but equivalent impairments in total recall, delayed recall, rate of learning, and primacy and retention-weighted recall (RWR) measures on the ISLT. In Study 2, the rate of deterioration in verbal memory over 1 year was examined in groups of native Canadian-English, French, and Korean speakers with mild AD using the total recall, delayed recall, and RWR measures. Rates of change on all three measures were equivalent across the language groups, although the magnitude of deterioration was most pronounced for the total recall and RWR measures. Taken together, these results suggest that the ISLT is valid and reliable for the assessment of verbal learning and memory impairment and decline in patients with mild AD from diverse language groups.

  10. The formation of movable cultural property conservators-restorers in Brazil: memories and historical trajectory

    Directory of Open Access Journals (Sweden)

    Aloisio Arnaldo Nunes de Castro

    2016-01-01

    Full Text Available This article proposes a panoramic reflection on the historical trajectory of the educational background of the conservator-restorer of cultural goods in the Brazilian context, covering the chronological interval that goes from 1855 to the 2010s. Using documentary data analysis and bibliographic review, it was also investigated the theoretical landmarks, paradigms, international influences and social policies that served as a foundation for the training and the development of this specialized professional within the Brazilian state.

  11. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

    In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

  12. Cord-Blood Banking

    Science.gov (United States)

    ... to Be Smart About Social Media Cord-Blood Banking KidsHealth > For Parents > Cord-Blood Banking Print A ... for you and your family. About Cord-Blood Banking Cord-blood banking basically means collecting and storing ...

  13. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  14. The establishment of an in vitro gene bank in Dianthus spiculifolius Schur and D. glacialis ssp. gelidus (Schott Nym. et Kotschy Tutin: I. The initiation of a tissue collection and the characterization of the cultures in minimal growth conditions

    Directory of Open Access Journals (Sweden)

    Mihaela Holobiuc

    2009-12-01

    Full Text Available In the last decades the plants have to cope with the warming of the climate. As a consequence of this process more than half of the plant species could become vulnerable or threatened until 2080. Romania has a high plant diversity, with endemic and endangered plant species, the measures of biodiversity conservation being necessary. The integrated approach of biodiversity conservation involves both in situ and ex situ strategies. Among ex situ methods of conservation, besides the traditional ones (including field and botanic collection and seed banks, in vitro tissues techniques offer a viable alternative. The germplasm collections can efficiently preserve the species (of economic, scientific and conservative importance, in the same time being a source of plant material for international exchanges and for reintroduction in the native habitats.The "in vitro gene banking" term refers to in vitro tissues cultures from many accessions of a target species and involves the collection of plant material from field or from native habitats, the elaboration of sterilization, micropropagation and maintaining protocols. These collections have to be maintained in optimal conditions, morphologically and genetically characterized. The aim of our work was to characterize the response of the plant material to the minimal in vitro growth protocol for medium-term cultures achievement as a prerequisite condition for an active gene bank establishment in two rare Caryophyllaceae taxa: Dianthus spiculifolius and D. glacialis ssp. gelidus. Among different factors previously tested for medium-term preservation in Dianthus genus, mannitol proved to be more efficient for minimal cultures achievement. In vitro, the cultures were evaluated concerning their growth, regenerability and enzyme activity (POX, SOD, CAT as a response to the preservation conditions in the incipient phase of the initiation of the in vitro collection. The two species considered in this study showed a

  15. Investment Banking

    OpenAIRE

    Oana Mihaela Vãsioiu

    2008-01-01

    The economic, financial and monetary changes had serious consequences not only on the level of providing the finance necessary for the development process but also on the level of providing the finance required for importing the basic food needs and rendering necessary production inputs. All these problems show the importance of “Banks” generally and “Investment Banks” particularly in the emerging and underdeveloped countries. Banks as financial institution or intermediary mobilize either nat...

  16. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  17. Memorar la cultura: Modos de mantener y formar las identidades mayas modernas Memorialize Culture: Ways to Mantain and Form Modern Mayan Identities

    Directory of Open Access Journals (Sweden)

    Felix A. Kupprat

    2011-01-01

    Full Text Available Memoria ha sido una palabra clave en el proceso de paz en Guatemala durante los últimos quince años. De acuerdo con teorías de la memoria colectiva, ésta forma la identidad de grupos y es sustancial para la construcción y el mantenimiento de la cultura. Al contrastar el movimiento maya con estrategias locales para la conmemoración de las violaciones de los derechos humanos durante el conflicto armado, este artículo conecta el concepto de etnicidad a nivel interregional con la identidad étnica local. Por lo tanto, se propone una división entre los marcadores étnicos sincrónicos y los asincrónicos de la etnicidad maya: el primero se asocia con elementos culturales locales y el segundo con procesos de revitalización. Finalmente, se plantea que los rasgos estructurales, como la memoria cultural, deben ser considerados marcadores étnicos en ambos niveles: el local y el interregional.Memory has been a keyword for the peace process in Guatemala in the last fifteen years. According to theories on collective memory it shapes group identities and is crucial for the construction and maintenance of culture. Contrasting maya cultural activism and local commemorative strategies dealing with human rights violations during the civil war, this paper aims to connect ethnicity on an inter-regional and ethnic identity on a local level. Therefore a division will be made between synchronous and asynchronous ethnic markers of pan-maya identity, associating the former with cultural elements on a local level and the latter with revitalization processes. Finally it is proposed that structural features such as cultural memory should be considered crucial ethnic markers on both levels: the local and the inter-regional.

  18. Saving Malta's music memory

    OpenAIRE

    Sant, Toni

    2013-01-01

    Maltese music is being lost. Along with it Malta loses its culture, way of life, and memories. Dr Toni Sant is trying to change this trend through the Malta Music Memory Project (M3P) http://www.um.edu.mt/think/saving-maltas-music-memory-2/

  19. Customer perceptions on Internet banking information protection

    Directory of Open Access Journals (Sweden)

    André Redlinghuis

    2010-08-01

    key focus areas financial institutions should continuously invest in. Information should be easily retrievable and communicated in a manner that makes sense to the diverse customer base, especially within South Africa with its diverse cultures and languages.Conclusion: The final conclusion that could be reached is that Internet banking products and services will continue to grow across various divides and platforms as the Internet costs decrease in future, the growth of Internet related products and services such as Internet banking will increase.

  20. Concrete Memories

    DEFF Research Database (Denmark)

    Wiegand, Frauke Katharina

    2015-01-01

    This article traces the presence of Atlantikwall bunkers in amateur holiday snapshots and discusses the ambiguous role of the bunker site in visual cultural memory. Departing from my family’s private photo collection from twenty years of vacationing at the Danish West coast, the different mundane...

  1. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

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

    2017-01-01

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

  2. Techniques for measuring customers’ satisfaction in Banks

    Directory of Open Access Journals (Sweden)

    Elena Lidia MELNIC

    2016-07-01

    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.

  3. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  4. Banking Reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

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

  5. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

    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.

  6. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  7. Mardin Süryanilerinde Belleğin Teolojik-Kültürel Çerçevesi / Theological - Cultural Framework of Memory in Mardin Syriacs

    Directory of Open Access Journals (Sweden)

    Tahir Pekasil

    2016-05-01

    Full Text Available Theological - Cultural Framework of Memory in Mardin Syriacs Abstract In this article, “theological/ritual-cultural framework of memory”, "memory participation tools" "recall figures" will be examined in the case of Mardin Syriac Orthodox Church. "Ritual participation" and "rhythmic repetition" which enables "theological-social inclusion" and "integration", also mobilizes remembering instruments and guarantees protection, revival and transfer of cultural memory. This also ensures continuation of sense of belonging. Priests who are accepted as "vicarious memory" enable participation to memory in church which is a "memory space" mediating to the "transmission of blessing and grace by ritual representation". Priests also by institutionalizing ceremonies and rituals which integrated with music, makes cultural meanings functional. The theme is discussed from the perspective of cultural memory and supported by face to face interviews. Mardin Süryanilerinde Belleğin Teolojik-Kültürel Çerçevesi Öz Bu yazıda, Mardin Süryani Ortodoks Kilisesi örneğinden hareketle “belleğin teolojik/ritüel- kültürel çerçevesi”, “belleğe katılım araçları”, “hatırlama figürleri” ele alınacaktır. “Teolojik ve toplumsal katılımı”, “bütünleşmeyi” sağlayan “ritüel katılım” ve “ritmik tekrar”, hatırlama araçlarını harekete geçirerek kültürel belleğin korunmasını, canlandırılmasını ve aktarılmasını garanti etmekte, aidiyetin devamını sağlamaktadır. Belleğe katılımı sağlayan “vekil hafıza” olarak kabul edilen papazlar, bir “hafıza mekânı” olan kilisede, “inayetin ritüel temsille aktarımına” aracılık yapmakta; “ritüel tasarım” yoluyla müzikle bütünleştirdikleri ayin ve ritüelleri kurumsallaştırarak kültürel anlamlara işlerlik kazandırmaktadırlar. Çalışma konusu, kültürel bellek perspektifinden ele alınmış ve mülakat örnekleri ile desteklenmiştir.

  8. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... However, the revolution in the banking industry in Nigeria started .... with the banks overall strategic and business plans, and adequate expertise should be employed to operate and ..... 2010 from http://www.bis./pub/bcbs/pdf.

  9. The effect of rumination on social problem-solving and autobiographical memory retrieval in depression : a cross-cultural perspective

    OpenAIRE

    Kao, Chih-Mei

    2007-01-01

    Previous research has indicated that depression and thinking style (rumination versus distraction) interact to influence cognitive processing. Depressed ruminators produce more categoric autobiographical memories (AM) (i.e., a summary of repeated memories), and also demonstrate poorer SPS performance than depressed distracters and matched controls. The quality of AM retrieval during SPS is also related to the effectiveness of SPS solutions such that categoric AM retrieval during SPS contribut...

  10. Internet Banking System Prototype

    CERN Document Server

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

    2010-01-01

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

  11. Utopian Narratives of I. Banks

    Directory of Open Access Journals (Sweden)

    Novikova V. G.

    2013-01-01

    Full Text Available In the article art forms of utopian ideas embodiment in the novels of the Scottish writer I. Banks are considered. Utopian narratives are found both in the science-fiction cycle devoted to the civilization of Culture and in the novel "Business". Art modeling of the fundamental strategies of the society development characteristic for the New time, reveals their internal inconsistencies. Preindustrial, patriarchal living forms are offered instead. Novels by I. Banks visually demonstrate the feature of modern public consciousness and the absence of ideal future representations. In the article fantastic and realistic I. Banks’ novels are compared from the point of this utopian ideal.

  12. The politics and poetics of supppression and “memory loss”: the (reconstruction of popular culture in post-Yugoslav Croatian discourse

    Directory of Open Access Journals (Sweden)

    Boris Škvorc

    2015-09-01

    Full Text Available The article discusses the role of subculture in Croatia and wider South Slavic context during and after the transitional period from the hegemony of Yugoslav communist system to the national state and its new narratives. The introduction discusses the modalities of memory loss in regard to the Yugoslav system of values. It focuses on the situation in popular culture and the new media, arguing that the process of memory loss has been orchestrated by the new national hegemony in both the media and politics and in the subcultural environment of marginal groups. The emphasis is put on the discursive tactics that have contributed to this process in the public sphere. The second part of the article concentrates on the relationship between the private and the public spheres and pays special attention to the relation between spontaneous subcultural practices and orchestrated mass-cultural outlets that very often construct the sphere of popular cultural needs. It is argued that the modalities of re-constructing and re-directing the narrative as an ethical (ethnic and political issue remain an important topic not only for a better understanding of popular culture’s hegemonic order but also for the modalities of survival of the narrative as a literary autonomous field.

  13. A memória em questão: uma perspectiva histórico-cultural Memory at issue: a historical-cultural perspective

    Directory of Open Access Journals (Sweden)

    Ana Luiza Bustamante Smolka

    2000-07-01

    Full Text Available Este texto tematiza a memória enquanto prática social, enfocando os muitos modos, historicamente constituídos, de pensar e de falar sobre memória. Procura compreender os modos de elaboração coletiva da memória, buscando indícios da constituição da memória no nível individual e indagando sobre a dimensão discursiva, sobre o estatuto da linguagem nessa constituição.This article brings to the fore the issue of memory as social practice. It focuses on the many historically constituted ways of thinking and speaking about memory. It looks for the understanding of the collective modes of elaboration of memory, searching for signs or marks of this constitution at the level of the individual and inquiring about the discursive dimension and the status of language in this constitution.

  14. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  15. ANALISIS FAKTOR SOSIAL BUDAYA DAN PSIKOLOGIS YANG MEMPENGARUHI KEPUTUSAN NASABAH MEMILIH PEMBIAYAAN PADA WARUNG MIKRO (Studi pada PT Bank Syariah Mandiri Cabang Banjarmasin

    Directory of Open Access Journals (Sweden)

    Syafril .

    2016-04-01

    Full Text Available This study aims to find out and to analyze: (1 the influence of socio-cultural and sychological factors that influence customer decisions in choosing micro inancing  in  PT  Bank  Syariah  Mandiri,  Banjarmasin  Branch,  and  (2  which Socio-cultural  and  psychological  factors  influence  the  clients’  decisions  in choosing microfinance in PT Bank Syariah Mandiri and which factors are more dominant. The background of this research is to examine some of the results of previous researchers  who  claim  that  religious  factors  greatly  influence  the  decisions in selecting the products of Islamic banks, while other researchers claim that economic factors are more dominant in deciding the selection of the products of Islamic banks. The  results  of  this  study  indicate  that  religious,  economic,  reference  groups, family, social class, motivation, learning and memory factors have significant influence in the decision making of microfinance BSM election, while cultural factors and perceptions do not affect the decision makings. The dominant factor in the selection of decision making of microfinance BSM is a religious factor. The results of this study are expected to be useful for Islamic banks in setting promotional  strategies  to  improve  the  customer’s  decision  in  choosing  the financing of Islamic banks. Keywords :  Customer  Decisions,  Social  and  Cultural  Factors,  Psychological  Factors, Religious Factor, Microfinance, Islamic Banking

  16. The Chinese Banking System

    OpenAIRE

    2012-01-01

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

  17. Predicting Small Bank Failure

    OpenAIRE

    Heyliger, Wilton E.; Don P. Holdren

    1991-01-01

    There are many studies of bank performance and bank failure in the literature. Most of these studies used banking ratios as variables in their models without giving consideration to their appropriateness, nor was much consideration given to the stability of those ratios through time and across asset size. Many studies also failed to recognize that bank structure may differ by asset size. This study evaluates a large number of banking variables in order to identify stable ratios. These ratios ...

  18. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

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

  19. Central bank Financial Independence

    OpenAIRE

    J.Ramon Martinez-Resano

    2004-01-01

    Central bank independence is a multifaceted institutional design. The financial component has been seldom analysed. This paper intends to set a comprehensive conceptual background for central bank financial independence. Quite often central banks are modelled as robot like maximizers of some goal. This perspective neglects the fact that central bank functions are inevitably deployed on its balance sheet and have effects on its income statement. A financially independent central bank exhibits ...

  20. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

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

  1. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  2. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  3. Locating the self in autobiographical memories

    DEFF Research Database (Denmark)

    Antalikova, Radka; de la Mata, Manuel; Santamaría, Andrés

    2016-01-01

    Systematic cross-cultural variation in autobiographical memory has been demonstrated in previous research. This variation has been interpreted as mirroring differences in culturally diverging self-conceptions, implying that content characteristics of autobiographical memories can be used as indir......Systematic cross-cultural variation in autobiographical memory has been demonstrated in previous research. This variation has been interpreted as mirroring differences in culturally diverging self-conceptions, implying that content characteristics of autobiographical memories can be used...

  4. "Shadow Banking: Policy Challenges for Central Banks"

    OpenAIRE

    Moe, Thorvald Grung

    2014-01-01

    Central banks responded with exceptional liquidity support during the financial crisis to prevent a systemic meltdown. They broadened their tool kit and extended liquidity support to nonbanks and key financial markets. Many want central banks to embrace this expanded role as "market maker of last resort" going forward. This would provide a liquidity backstop for systemically important markets and the shadow banking system that is deeply integrated with these markets. But how much liquidity su...

  5. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  6. Identification and characterization of a 29-kilodalton protein from Mycobacterium tuberculosis culture filtrate recognized by mouse memory effector cells

    DEFF Research Database (Denmark)

    Rosenkrands, I; Rasmussen, P.B.; Carnio, M;

    1998-01-01

    in two-dimensional electrophoresis gels as three distinct spots just below the antigen 85 complex component MPT59, CFP29 is present in both culture filtrate and the membrane fraction from M. tuberculosis, suggesting that this antigen is released from the envelope to culture filtrate during growth...

  7. Cultural Memory, an Asset for Design-Driven Innovation within the Creative Industries Sector: Lessons for Design Education

    Science.gov (United States)

    Moalosi, Richie; Setlhatlhanyo, Keiphe Nani; Sealetsa, Oanthata Jester

    2016-01-01

    Culture is gaining recognition globally as an important driver of sustainable development in the creative economy. The significance of the role of design and culture with the creative industries is under-researched, especially from the new emerging economies perspective. Therefore, designers need a framework which will guide them on how they can…

  8. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

    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.

  9. The World Bank and poverty.

    Science.gov (United States)

    Lipton, M; Shakow, A

    1982-06-01

    During the 1970s it was World Bank policy to use its funds to raise the productivity and living standards of the poor. It has increased its lending for sector and subsectors considered to offer the most direct benefits to the poor such as rural development, population, health, and nutrition. Projects with particular emphasis on poverty have benefitted large numbers of poor people and have had good economic rates of return. Lending for rural projects increased in the 1970s from US$2.6 billion in 1969-73 to over US$13 billion in 1978-81; rural development projects audited in 1979 benfitted 660 small farmers for every US$1 million loaned compared with 47 farmers/US$1 million in other agricultural projects. Some problems are: 1) low-risk technical packages appropriate for poor farmers in semi-arid rainfed areas are not readily available; 2) the Bank's rural development strategy seeks mainly to raise the production of small farms, but other aspects need to be emphasized; 3) domestic pricing and postharvest policies often undermine the success of projects aimed at the rural poor; and 4) success in rural development often rests on sociological and cultural factors, difficult areas that deserve more attention. For urban areas the Bank has strongly endorsed providing "sites and sources" instead of structures; since 1972, 52 Bank projects centered on urban shelter involving US$1.6 billion have been undertaken. Cost recovery is established at 66-95%. About 5% of Bank lending is for education and despite the importance of population, health, and nutrition, these areas absorb less than 1% of the Bank's total lending program. Only US$400 million in population loans were made to 13 countries in the 1970s and only recently have separate health projects been started. Emphasis for the 1980s must be on rural development, urban shelter, primary education, health, education, and population.

  10. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  11. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

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

  12. Just a Memory

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    While Beijing accelerates its modernization drive,it needs to retain its city culture before the ancient parts of the capital are only seen in photographs and live on only in the memories of residents

  13. Systemic banking crises

    OpenAIRE

    O. Emre Ergungor; James B. Thomson

    2005-01-01

    Systemic banking crises can have devastating effects on the economies of developing or industrialized countries. This Policy Discussion Paper reviews the factors that weaken banking systems and make them more susceptible to crises.

  14. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  15. GenBank

    Data.gov (United States)

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

  16. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  17. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  18. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  19. Time banking som ledelsesteknologi

    OpenAIRE

    Steensberg, Maja; Nielsen, Nadia Holm; Thomsen, Søren Tolshave

    2014-01-01

    This project examines how the English time banks Timber Wharf, Echo and Fair Shares affect their members and local environments. Based on Nikolas Rose’s theory on governmentality it is discussed, whether the time banks, understood as political actors, are challenging or reproducing neo-liberal governance. It is concluded that the way the time banks facilitates the concept of timebanking differs greatly. These different conducts are shaping the way in which the time banks are used by their mem...

  20. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  1. Essays on banking

    OpenAIRE

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations. The last chapter is joint work with Hans Degryse, Jose Liberti and Steven Ongena and studies how banks use ‘soft information’ to monitor small firms. This dissertation uses hand collected internal...

  2. The cultural biography of a street. Memory, cultural heritage and historical notion of the Visserstraat in Breda, the Netherlands (1200-2000)

    NARCIS (Netherlands)

    Hupperetz, W.; Kolen, J.; Renes, J.; Hermans, R.

    2015-01-01

    Presented in this article is a scheduling principle that can be used to improve the practicalapproach to cultural history. In short, it means operationalising the three time levels of Fernand Braudel to form a conceptual-historical approach. The wealth of historical-culturaldata can thus be arranged

  3. The cultural biography of a street. Memory, cultural heritage and historical notion of the Visserstraat in Breda, the Netherlands (1200-2000)

    NARCIS (Netherlands)

    Hupperetz, W.; Kolen, J.; Renes, J.; Hermans, R.

    2015-01-01

    Presented in this article is a scheduling principle that can be used to improve the practicalapproach to cultural history. In short, it means operationalising the three time levels of Fernand Braudel to form a conceptual-historical approach. The wealth of historical-culturaldata can thus be arranged

  4. Каrl Marx: The Cultural Memory of the Macedonian People and the Peoples of the Eastern Bloc – Reception and Percertion

    Directory of Open Access Journals (Sweden)

    Boban Karapejovski

    2014-12-01

    Full Text Available The severe economic crisis raised the question: Was Marx right? Or, as Terry Eagleton writes: WHY Marx was right. A reactualization of his ideas, his philosophy or his diagnosis and cures, as well as his economic and social studies, has recently become attractive once again. The acceptance and reactualization of Marx these days, especially in the Western countries, could bring us/open alternative ways of practicing politics, policy making and activism (take, for example, the “Occupy Wall Street” movement; or non-acceptance of Marx and a further global crisis could lead to a rebirth of the extreme right. Are Marx's ideas a philosophy, a view of the world or a practical "know-how"? "Marx was right about self-destruction of capitalism", says Nouriel Roubini. Does he inspire and will be inspiring new tendencies and ways of (more or less global activism and are his ideas a phenomenon that will redefine global politics and society? Are Marx's ideas truly part of cultural memory in the so called Eastern block or were they perverted by the past system(s, which was/were using this philosophy for re-creation of its own bourgeoisie. What is today’s /nowadays reception and perception of Marx in these countries and how do people react to the possibility of their memory becoming their present tomorrow!?

  5. Easier Bank Access

    Institute of Scientific and Technical Information of China (English)

    Wang Jun

    2015-01-01

    Loosened banking regulations may spur an increase of foreign banks in China Foreign banks will soon have a much easier time setting up outlets in China.According to regulations recently amended by the State Council,as of January 1,foreign

  6. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

  7. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  8. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  9. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  10. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.

  11. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  12. A Scalable Unsegmented Multiport Memory for FPGA-Based Systems

    Directory of Open Access Journals (Sweden)

    Kevin R. Townsend

    2015-01-01

    Full Text Available On-chip multiport memory cores are crucial primitives for many modern high-performance reconfigurable architectures and multicore systems. Previous approaches for scaling memory cores come at the cost of operating frequency, communication overhead, and logic resources without increasing the storage capacity of the memory. In this paper, we present two approaches for designing multiport memory cores that are suitable for reconfigurable accelerators with substantial on-chip memory or complex communication. Our design approaches tackle these challenges by banking RAM blocks and utilizing interconnect networks which allows scaling without sacrificing logic resources. With banking, memory congestion is unavoidable and we evaluate our multiport memory cores under different memory access patterns to gain insights about different design trade-offs. We demonstrate our implementation with up to 256 memory ports using a Xilinx Virtex-7 FPGA. Our experimental results report high throughput memories with resource usage that scales with the number of ports.

  13. 'Culture and memory of the Sto. Antonio do Morro Grande/MG Quilombola community' program - case study: environmental licensing progress for the Rio de Janeiro-Belo Horizonte Gas Pipeline (GASBEL II)

    Energy Technology Data Exchange (ETDEWEB)

    Ismerio, Marcia [Pallos Environmental Consulting, Rio de Janeiro, RJ (United States); Bartolini, Marcia [PETROBRAS, Rio de Janeiro, RJ (Brazil)

    2009-07-01

    The 'Culture and Memory of the Sto. Antonio do Morro Grande Quilombola Community' Program was included in the environmental licensing process of the Rio de Janeiro-Minas Gerais gas pipeline ('GASBEL II'), as requested by the Palmares Cultural Foundation (Fundacao Cultural Palmares), which stipulates the elaboration and implementation of this program as a condition for obtaining the installation license. To develop the program and submit it to this institution, we used methodological procedures in the form of an anthropological social research, such as: interviews with the community's older or most active residents, and a preliminary recognition of the territory and the local culture; all in order to learn more about the community's history and current needs and to identify the remaining 'quilombolas' still living in the community. Analyzing the information raised the need for guided actions designed to rescue the community's cultural memory as an ethnic group and to contribute to its process of affirmation as a Traditional Rural 'Quilombola' Community. This led to the creation of the proposed 'Culture and Memory of the Sto. Antonio do Morro Grande Quilombola Community' Program, currently being developed for the Quilombola Community located in Ressaquinha, in the State of Minas Gerais. (author)

  14. Value and Inheritance of the Cultural Memory of Classic Chinese Products in Contemporary Design%经典国货文化记忆在当代设计中的价值与延续

    Institute of Scientific and Technical Information of China (English)

    郭琳; 张凌浩

    2012-01-01

    通过研究"经典国货"的发展过程,明确经典国货在过去与当代的设计价值,并着重研究经典国货所蕴含的文化记忆价值对当代设计的启示。同时进一步从文化记忆的角度,理解分析其隐含的符号记忆价值、怀旧记忆价值与品牌文化记忆价值。在此基础上,探讨经典国货文化记忆在当代产品设计中的转化与再设计的新思路和方法,为具有"中国形象"的设计提供新的设计角度。%According to the research on the developing process of "classic Chinese products",it determined the design value both in the past and in contemporary era,and aimed to gain enlightenment from the culture memory value of classic Chinese products on contemporary design.At the same time,it analyzed and understood its intrinsic value as symbol memory,nostalgic memory,and brand cultural memory from the point of view of the cultural memory.After that,it discussed the new methods of transformation and redesign of classic products and cultural memory and provide new ideas and perspectives for the "Chinese image" design.

  15. cultural

    Directory of Open Access Journals (Sweden)

    Irene Kreutz

    2006-01-01

    Full Text Available Es un estudio cualitativo que adoptó como referencial teorico-motodológico la antropología y la etnografía. Presenta las experiencias vivenciadas por mujeres de una comunidad en el proceso salud-enfermedad, con el objetivo de comprender los determinantes sócio-culturales e históricos de las prácticas de prevención y tratamiento adoptados por el grupo cultural por medio de la entrevista semi-estructurada. Los temas que emergieron fueron: la relación entre la alimentación y lo proceso salud-enfermedad, las relaciones con el sistema de salud oficial y el proceso salud-enfermedad y lo sobrenatural. Los dados revelaron que los moradores de la comunidad investigada tienen un modo particular de explicar sus procedimientos terapéuticos. Consideramos que es papel de los profesionales de la salud en sus prácticas, la adopción de abordajes o enfoques que consideren al individuo en su dimensión sócio-cultural e histórica, considerando la enorme diversidad cultural en nuestro país.

  16. 组织文化、知识转移与新服务开发绩效:城市商业银行案例%Organizational Culture, Knowledge Transfer, and New Service Development: A A Multi-Case Study on City Commercial Bank of China

    Institute of Scientific and Technical Information of China (English)

    李靖华; 庞学卿

    2011-01-01

    本文是城市商业银行新服务开发的一项比较案例研究.新服务开发活动中,组织文化会影响组织内员工知识转移行为,而员工知识转移行为会影响新服务开发绩效.本文确认了地域性中小金融服务企业情境下它们之间的因果关系,并得到其具体影响方式,构建了一个三者之间相互作用的综合模型.%The City Commercial Bank of China was established in the late 20th century in China to serve small- and medium-sized enterprises ( SM E ) . The bank is facing the challenge of product innovation in order to differentiate from its competitors with innovative products and services, as. Well as meet diversified service requests of SMEs. To overcome product innovation challenges, we conduct a comparison case study to investigate the potential effect of organizational cultures on employee behaviors and the performance of new product development.We had conducted interviews with 10 employees of four city commercial banks, including Bank T, bank H, bank N, and bank W. From May to August in 2010. In addition, we also analyzed and codified about 40 archived documents for each case. We conducted a pilot case, and three within-case and cross-case analyses. First, we summarize the characteristics of organizational cultures for city commercial banks in China. Our data analysis shows that knowledge involved in the process of new service development in the bank includes knowledge on market demand, IT, risk, marketing, financial situations and new service characteristics.We further classify the importance of knowledge in different stages of new service development. The influencing factors of knowledge transfer behaviors for employees are their willingness and capability of knowledge transfer. The primary goals of new service development are product effectiveness, market size, customer satisfaction, balanced development of business, and raising reputation. Third, our findings show that new service

  17. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

    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.

  18. Cultural Amnesia and Sustainable Development

    Directory of Open Access Journals (Sweden)

    Viðar Hreinsson

    2014-12-01

    Full Text Available A few of the main concepts of cultural memory are investigated in this paper, in order to extend the idea of cultural memory to include the diversity of past cultures and cultural products. It is claimed that understanding of diversity, in a dialogue with the past, enhances cultural understanding for the benefit of sustainable development.

  19. Secrets, Trauma, and the Memory Market (or the return of the repressed in recent Argentine post-dictatorship cultural production

    Directory of Open Access Journals (Sweden)

    Silvia R Tandeciarz

    2012-04-01

    Full Text Available Since the end of the last Argentine Dictatorship (1976-1983, a number of feature-length films have engaged in the public debate over the legacies of state terrorism. El secreto de sus ojos (2009, Argentina's most recent Oscar winner, is the latest to do so, exploring the effects of more than a decade of impunity on those who lost their loved ones. Suggesting that restoration of a justice system that works can lead to the restoration of full civic engagement in a healthy body politic, the film raises important questions about citizenship and belonging in a post-national era. This essay explores the film's phenomenal success in the global memory market to illuminate what remains at stake in contemporary narratives of reconciliation.

  20. Good Quality - the Routinization of Sperm Banking in China

    DEFF Research Database (Denmark)

    Wahlberg, Ayo

    Good Quality is an assemblage ethnography of how sperm banking came to be routinized in China. Based on 8 years of episodic fieldwork at China’s oldest and largest sperm bank in Changsha, Hunan province, the book meticulously chronicles how, beginning in the early 1980s, a unique style of sperm...... banking would emerge in China, shaped by the cultural, juridical, economic and social configurations that make up China’s restrictive reproductive complex....

  1. Histórias sobre a região rural: memórias femininas e patrimônio cultural Stories On Country Life: Female Memories And Cultural Legacy

    Directory of Open Access Journals (Sweden)

    Janine Gomes da Silva

    2009-12-01

    Full Text Available PortuguesLocalizado no contexto dos estudos de gênero, memória e patrimônio cultural, o presente artigo apresenta algumas discussões sobre o cotidiano e a culinária de algumas estradas que compõe a região rural da cidade de Joinville, situada no nordeste do estado de Santa Catarina. Frente às novas preocupações com a preservação do patrimônio cultural, bem como da relação entre turismo e cultura, nos cabe perguntar como diferentes moradores vem (reconstruindo significados sobre a cidade, espaço por excelência privilegiado para inscrever, cotidianamente, outras narrativas sobre patrimônio, “lugares de memória” e “maneiras de fazer”. Assim, procuramos problematizar a partir da metodologia da História Oral, especialmente a partir de memórias femininas, aspectos do patrimônio cultural da cidade de Joinville, contribuindo com a historiografia local e, principalmente, com diferentes reflexões sobre este patrimônio da região, em seu aspecto material e imaterial.EnglishContextualized in the studies on gender, historical memory and cultural legacy, this article discusses some data related to the country people’s daily way of life, including cookery, observed in the rural area surrounding the city of Joinville, located in the Northeast of the Brazilian Southern State of Santa Catarina. Due to the new approaches on the preservation of cultural legacies connected to tourism and culture itself, there comes the question about how the different country people still have been (re-constructing their reference and meanings, dealing with their town life – the ideal spot for inscribing, daily, other narratives on legacy, “places of memory” and “ways to do it”. Thus, we have tried to register aspects of the cultural legacy of the city of Joinville, using the Oral History methodology and taking special interest in women’s accounts, contributing, this way, to the local historiography which leads us to reflections on the

  2. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

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

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

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

  4. Milton Nascimento: o circo como um lugar de memória cultural - Milton Nascimento: Circus as a place of cultural memory

    Directory of Open Access Journals (Sweden)

    Alberto Carlos de Souza

    2013-06-01

    Full Text Available http://dx.doi.org/10.5007/1980-4512.2013n28p211   Trata-se de uma oficina de cultura de resistência realizada com 30 crianças de 10 anos de idade, estudantes de uma escola pública municipal de Vitória – ES, que teve como propósito celebrar o dia internacional do circo, 27 de março. Toda a produção estética desta oficina gira em torno da música “Circo Marimbondo”, de autoria de Milton Nascimento e Fernando Brant (1978 e consiste na elaboração de pictogramas de artistas circenses (desenho com massa de modelar, a partir da pregunta norteadora: quem são esses marimbondos de quem tanto fala a música? Os marimbondos foram representados pelas crianças, principalmente como figura de artistas fantásticos como: palhaços, bailarinas, homens bala, trapezistas, a mulher barbada e a mulher gorila. A oficina finalizou com a apresentação de toda a produção estética para a familia daquelas crianças.   Abstract   a workshop culture of resistance held with 30 children Workshop culture of resistance held with 30 children from 10 years old, students at a local public school in Vitória - ES, which aimed to celebrate the International Day Circus on March 27. All the aesthetic production of the workshop revolved around the song Circus Wasp, by Milton Nascimento and Fernando Brant (1978 and consisted elaboration of pictography of circus artists (drawing with clay modeling , from question: "Who are these wasps whose music speaks so much?" The wasps were represented mainly by children like it features amazing artists as: clowns, dancers, man bullet, trapeze artists, and bearded woman or female gorilla. The workshop culminated with the presentation of the whole aesthetic production to the family of those children. Keywords: Aesthetic production, Brazilian Popular Music, cultural identity.

  5. Banking System in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

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

  6. E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN

    Directory of Open Access Journals (Sweden)

    Muhammad Shakil AHMAD

    2011-01-01

    Full Text Available This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology. : In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get facilitated from e-banking services.

  7. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  8. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  9. COMMERCIAL BANK LIQUIDITY MANAGEMENT

    OpenAIRE

    KOREKOV A.V.

    2015-01-01

    Bank liquidity management and optimal resource allocation of commercial bank Nostro accounts balances receive much less attention from the scientists compared to the questions on capital structure, funding, credit risk analysis and stress testing. Optimal liquidity management is a way to lower bank costs and risks, which are going to increase over time, especially when money markets are dry of free funds. There are two sides of the issue to be analyzed. The optimal resource allocation and cor...

  10. Bank Record Processing

    Science.gov (United States)

    1982-01-01

    Barnett Banks of Florida, Inc. operates 150 banking offices in 80 Florida cities. Banking offices have computerized systems for processing deposits or withdrawals in checking/savings accounts, and for handling commercial and installment loan transactions. In developing a network engineering design for the terminals used in record processing, an affiliate, Barnett Computing Company, used COSMIC's STATCOM program. This program provided a reliable network design tool and avoided the cost of developing new software.

  11. Poaia [Psychotria ipecacuanha (Brot. Stoves]: aspectos da memória cultural dos poaieiros de Cáceres - Mato Grosso, Brasil Ipecac [Psychotria ipecacuanha (Brot. Stoves]: aspects of cultural memory of "poaieiros" in Cáceres - Mato Grosso, Brazil

    Directory of Open Access Journals (Sweden)

    V.A. Teixeira

    2012-01-01

    Full Text Available O Brasil está entre os principais exportadores de poaia [Psychotria ipecacuanha (Brot. Stoves] seguido do Panamá e Costa Rica. A poaia brasileira apresenta alto valor farmacológico das raízes devido aos teores de emetina e cefalina. Este trabalho teve como objetivo descrever como as famílias de poaieiros mantém a memória cultural sobre a Psychotria ipecacuanha (Brot. Stoves. As informações foram coletadas no município de Cáceres, Mato Grosso, através de entrevista estruturada e observação participante com 20 homens e 10 mulheres, de faixa etária de 45 a 86 anos. Foram citadas as formas de utilização na alimentação para animais, inseticida, carrapaticida, emético, contra diarréias, para alívio de dor de cabeça, contra malária, bronquite e dor no estômago. A raiz é a parte mais usada e a forma de preparo é tintura ou misturada ao fumo, ao vinho ou à cachaça. Poucos entrevistados passaram aos filhos o conhecimento sobre a P. ipecacuanha. A memória cultural sobre a P. ipecacuanha deve-se a vivência, extração e comercialização da planta, e por ouvir as conversas dos pais com amigos. A perda de conhecimento associado a poaia é causada pelo êxodo rural, destruição do habitat com o desmatamento e ocupação agrícola. A extinção da espécie na região contribui para a erosão cultural.Brazil is among the leading exporters of ipecac [Psychotria ipecacuanha (Brot. Stoves], followed by Panama and Costa Rica. The roots of Brazilian ipecac have high pharmacological value due to their levels of emetine and cephalin. This study aimed to describe how families of "poaieiros" maintain the cultural memory of Psychotria ipecacuanha (Brot. Stoves. Information was collected in the city of Cáceres, Mato Grosso State, Brazil, through structured interviews and participating observation involving 20 men and 10 women aged from 45 to 86 years. The cited forms of use were in animal nutrition, as insecticide, acaricide, emetic

  12. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

  13. Is memory for music special?

    Science.gov (United States)

    Schulkind, Matthew D

    2009-07-01

    Although psychologists since Hermann Ebbinghaus have studied memory, research in this area has focused on visual and verbal stimuli with little attention paid to music. This bias is surprising because of the ubiquity of music in human cultures across history as well as current cultural beliefs that memory for music is "special." This paper examines the question of whether memory for music is special by addressing two related questions: First, do cultural beliefs about the mnemonic power of music stand up to empirical test? Second, can theories designed to explain memory for non-musical stimuli be applied to musical stimuli? A review of the literature suggests that music is special in some circumstances but not others and that some theories designed to explain cognitive processing of linguistic stimuli apply reasonably well to musical stimuli. Thus, although the question of whether memory for music is special remains open, the unique structure of musical stimuli strongly suggests that memory for music is indeed special.

  14. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

    This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

  15. Factors Determining Mergers of Banks in Malaysia's Banking Sector Reform

    National Research Council Canada - National Science Library

    Rubi Ahmad; Mohamed Ariff; Michael Skully

    2007-01-01

    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...

  16. Mälukultuur ja moraalne tunnistus: Teise maailmasõja mäletamine Bernard Kangro Tartu-romaanides / Memory Culture and Moral Witness. Remembering the Second World War in Bernard Kangro's Tartu novels

    Directory of Open Access Journals (Sweden)

    Maarja Hollo

    2016-09-01

    Full Text Available This article deals with how remembering the Second World War is conveyed in Bernard Kangro’s last three Tartu novels, The Stone Bridge (1963, The Black Book (1965 and Whirlfire (1969. The Second World War is a memory topos that has, more than anything else, divided the memory politics of European countries. If memory politics in Western Europe is focused predominantly on condemning Nazi crimes, primarily the Holocaust, then Eastern Europe, in addition to the legacy of Nazism, has to deal with the additional criminal legacy of Communism. To bridge the gap between Eastern and Western European nations’ collective memories, discussions started in 1990 about the European memory that should help form the basis for a unified European identity. In the opinion of Jan-Werner Müller, European memory assumes one of two processes. The first is linked to unifying the stances toward memory politics of various European nations; the second with unifying the contents of various collective memories. Although Kangro’s last three Tartu novels are among the peripheral works of Estonian cultural memory, they nevertheless deal with themes that have become relevant in the twenty-first century, on the one hand linking collective memory and national memory politics, and on the other hand, addressing the concept of European memory. Using Kangro’s Tartu novels, I first analyse the problematic aspects of national memory politics as they relate to remembering the Second World War in Estonia. Secondly, I point out the implicit criticism in the Tartu novels of the more inflexible and homogenizing form of European memory. For this I focus more closely on the formative stories of three characters – Benno Maran, Naatan Üirike and Juku Leebram. Benno Maran is one of the narrating voices in these novels, together with an anonymous narrator, an italicized narrator from a different time, and another character, named August September. Quotes from Benno’s diary dating from

  17. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

  18. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

    The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...

  19. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

    The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...

  20. Bank Lending and Relationship Banking: Evidence from Chilean Firms

    OpenAIRE

    Andrea Repetto; Sergio Rodríguez; Rodrigo O. Valdés

    2002-01-01

    In this paper we empirically study bank-client relationships using a sample of manufacturing Chilean firms. We examine whether concentration and the duration of bank-firm relationships affect the terms of bank financing, evaluating both the volume of bank lending and bank loan costs. Our results indicate that lower concentration, measured by the number of banks a firm borrows from, is associated with lower costs of loans and with a large and positive non-lincar effect on borrowing. The length...

  1. Dual Banking Systems and Interest Rate Risk for Islamic Banks

    OpenAIRE

    Bacha, Obiyathulla I.

    2004-01-01

    In introducing Islamic banking in Malaysia, the basic strategy was to replicate the products/ services offered by conventional banks. The successful implementation of such a strategy has meant that Malaysia today has a truly dual banking system. Islamic banks in Malaysia not only have product similarity with conventional banks but share the same overall economic environment and a common customer base. The ability of non Muslim customers/depositors to switch between the two banking syste...

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

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

  3. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Employment and Training Administration PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail Bank West Chester, IL; Notice of Negative Determination Regarding Application... Assistance (TAA) applicable to workers and former workers of PNC Bank, National Association, Retail...

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  5. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly el

  6. Destroy The Bank! (case)

    NARCIS (Netherlands)

    Star, G.J. Van der; Maas, A.

    2016-01-01

    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 ba

  7. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.

    2008-01-01

    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 opt

  8. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2010-01-01

    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 opt

  9. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

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

  10. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  11. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  12. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

    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 t

  13. Destroy The Bank! (case)

    NARCIS (Netherlands)

    dr. A. Maas; G.J. Van der Star

    2016-01-01

    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

  14. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

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

  15. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

    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.

  16. Memory Matters

    Science.gov (United States)

    ... Emergency Room? What Happens in the Operating Room? Memory Matters KidsHealth > For Kids > Memory Matters A A ... of your complex and multitalented brain. What Is Memory? When an event happens, when you learn something, ...

  17. MEMORY MODULATION

    Science.gov (United States)

    Roozendaal, Benno; McGaugh, James L.

    2011-01-01

    Our memories are not all created equally strong: Some experiences are well remembered while others are remembered poorly, if at all. Research on memory modulation investigates the neurobiological processes and systems that contribute to such differences in the strength of our memories. Extensive evidence from both animal and human research indicates that emotionally significant experiences activate hormonal and brain systems that regulate the consolidation of newly acquired memories. These effects are integrated through noradrenergic activation of the basolateral amygdala which regulates memory consolidation via interactions with many other brain regions involved in consolidating memories of recent experiences. Modulatory systems not only influence neurobiological processes underlying the consolidation of new information, but also affect other mnemonic processes, including memory extinction, memory recall and working memory. In contrast to their enhancing effects on consolidation, adrenal stress hormones impair memory retrieval and working memory. Such effects, as with memory consolidation, require noradrenergic activation of the basolateral amygdala and interactions with other brain regions. PMID:22122145

  18. Banks, knowledge and crisis: a case of knowledge and learning failure

    OpenAIRE

    Holland, J.

    2010-01-01

    Purpose – Regulators such as Turner have identified excessive securitization, high leverage, extensive market trading and a bonus culture, as being major factors in bringing about the bank centred financial crisis of 2007-2009. Whilst it is inevitable that banks adopt procyclical business strategies, not all banks took excessive risks and subsequently had to be rescued by taxpayers. The paper examines the extent to which individual bank outcomes can be attributed to systematic differences in ...

  19. When Memories are Mediated

    DEFF Research Database (Denmark)

    Frølunde, Lisbeth; Bjerregaard, Mette

    2013-01-01

    that are mediated through stories: told and retold as oral stories through generations, as myths or sagas, or remediated as contemporary documentary film accounts or more fictional film accounts. In these processes of retelling acts of violence, transformations of meanings across time, cultural, social......Acts of mass violence, including murder on civilians, genocide, oppression and wars, can mobilize memories of the involved persons and following generations in a certain historical situation. Acts of mass violence can also create a sort of looking glass of culturally dominant memories...... makes meaning about past events. In the discussion, we consider how mediated memories affect audiences, and the potential of achieving development of present political and cultural understandings of past acts of violence....

  20. Bank Specific and Macroeconomics Dynamic Determinants of Credit Risk in Islamic Banks and Conventional Banks

    OpenAIRE

    Waeibrorheem Waemustafa; Suriani Sukri

    2015-01-01

    The study analyzes macroeconomic and bank specific determinants of credit risk in Islamic and Conventional Banks. Multivariate Regression analysis is applied on the sample of 15 conventional banks and 13 Islamic Banks in Malaysia over the period between 2000 and 2010. The finding shows that the banks specific determinants of credit risk are uniquely influenced the credit risk formation of Islamic and Conventional banks. The study found that risky sector financing; regulatory capital (REGCAP) ...

  1. GenBank

    Science.gov (United States)

    Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

    2017-01-01

    GenBank® (www.ncbi.nlm.nih.gov/genbank/) is a comprehensive database that contains publicly available nucleotide sequences for 370 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or the NCBI Submission Portal. GenBank staff assign accession numbers upon data receipt. Daily data exchange with the European Nucleotide Archive (ENA) and the DNA Data Bank of Japan (DDBJ) ensures worldwide coverage. GenBank is accessible through the NCBI Nucleotide database, which links to related information such as taxonomy, genomes, protein sequences and structures, and biomedical journal literature in PubMed. BLAST provides sequence similarity searches of GenBank and other sequence databases. Complete bimonthly releases and daily updates of the GenBank database are available by FTP. Recent updates include changes to policies regarding sequence identifiers, an improved 16S submission wizard, targeted loci studies, the ability to submit methylation and BioNano mapping files, and a database of anti-microbial resistance genes. PMID:27899564

  2. Soundness of Ethiopian Banks

    Directory of Open Access Journals (Sweden)

    Hamdu Kedir Mohammed

    2015-06-01

    Full Text Available A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.

  3. PERBANDINGAN PENGHASILAN TABUNGAN MUDHARABAH NASABAH BANK SYARIAH (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar)

    OpenAIRE

    ALIMULA, YULIANA

    2014-01-01

    2014 Perbandingan Penghasilan Tabungan Mudharabah Nasabah Bank Syariah (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar) Profit Sharing Comparison of Mudharabah Saving of Islamic Banking (A Case Study at Bank Syariah Mandiri, Bank Negara Indonesia Syariah, and Bank Muamalat Indonesia in Makassar) Yuliana Alimula Alimuddin Muhammad Ashari Penelitian ini bertujuan un...

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

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

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

  5. Quality Assurance in Stem Cell Banking: Emphasis on Embryonic and Induced Pluripotent Stem Cell Banking.

    Science.gov (United States)

    Kallur, Therése; Blomberg, Pontus; Stenfelt, Sonya; Tryggvason, Kristian; Hovatta, Outi

    2017-01-01

    For quality assurance (QA) in stem cell banking, a planned system is needed to ensure that the banked products, stem cells, meet the standards required for research, clinical use, and commercial biotechnological applications. QA is process oriented, avoids, or minimizes unacceptable product defects, and particularly encompasses the management and operational systems of the bank, as well as the ethical and legal frameworks. Quality control (QC ) is product oriented and therefore ensures the stem cells of a bank are what they are expected to be. Testing is for controlling, not assuring, product quality, and is therefore a part of QC , not QA. Like QA, QC is essential for banking cells for quality research and translational application (Schwartz et al., Lancet 379:713-720, 2012). Human embryonic stem cells (hESCs), as cells derived from donated supernumerary embryos from in vitro fertilization (IVF) therapy, are different from other stem cell types in resulting from an embryo that has had two donors . This imposes important ethical and legal constraints on the utility of the cells, which, together with quite specific culture conditions, require special attention in the QA system. Importantly, although the origin and derivation of induced pluripotent stem cells (iPSCs ) differ from that of hESCs, many of the principles of QA for hESC banking are applicable to iPSC banking (Stacey et al., Cell Stem Cell 13:385-388, 2013). Furthermore, despite differences between the legal and regulatory frameworks for hESC and iPSC banking between different countries, the requirements for QA are being harmonized (Stacey et al., Cell Stem Cell 13:385-388, 2013; International Stem Cell Banking Initiative, Stem Cell Rev 5:301-314, 2009).

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

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

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

  7. Sensitivity of Czech Commercial Banks to a Run on Banks

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

    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.

  8. Mitigation Banking Factsheet

    Science.gov (United States)

    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

  9. Assessing efficiency in banking

    Directory of Open Access Journals (Sweden)

    Knežević Snežana

    2012-09-01

    Full Text Available The paper is an attempt to assess the productivity and efficiency on the basis of the information found in financial statements and operating evidence, as well as implementation of the DEA method. The definition of both input and output in banking is absolutely clear, however, an adequate analysis of efficiency in banking requires that the right combinations of input and output be selected Every company has its own principles to implement in its operations. One of the most important is surely the efficiency principle. Relevant academic literature offers various combinations of input and output in testing bank efficiency. The developing countries will find it highly important to monitor bank efficiency and compare it to the countries in the region.

  10. Protein Data Bank (PDB)

    Data.gov (United States)

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

  11. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

    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.

  12. Cord-Blood Banking

    Science.gov (United States)

    ... blood banks may capitalize on the fears of vulnerable new parents by providing misleading information about the statistics of stem cell transplants. Parents of children of ethnic or racial minorities, adopted children, or ...

  13. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

    sector reforms to enthrone sound financial practices and good corporate governance ... April - June 2009 . 9. NIGERIA'S BANKING SECTOR REFORMS: THE JOURNEY SO FAR ..... implementation of a code of sound corporate governance in ...

  14. Varying Impacts of Electronic Banking on the Banking Industry

    OpenAIRE

    Sali Bakare

    2015-01-01

    The banking industry has undergone tremendous changes with the introduction of information technology (IT). Electronic banking (EB) is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans ...

  15. Efficiency of Commercial Banks in Malaysia

    OpenAIRE

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

    2006-01-01

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

  16. Application of long-term cultured interferon-gamma enzyme-linked immunospot assay for assessing effector and memory T cell responses in cattle

    Science.gov (United States)

    Effector and memory T cells are generated through developmental programing of naïve cells following antigen recognition. If the infection is controlled, up to 95% of the T cells generated during the expansion phase are eliminated (i.e., contraction phase) and memory T cells remain, sometimes for a l...

  17. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  18. MENGKRITISI MAKNA HUKUM RIBA BUNGA BANK

    Directory of Open Access Journals (Sweden)

    Agus Sarono

    2015-09-01

    Full Text Available Bank interest is considered usury. One is to be scrutinized if the bank interest as usury, because usury is often mentioned in the texts is characterized oppress and torment the community. As with the conventional bank interest, how many small and medium enterprises which helped because Free Master in conventional banks. Problems found in the writing of this paper is; Why people ignore the MUI fatwa on usury interest as knife analysis; Unger critical legal theory, theory of responsiveness Nonet Sezlnick, the theory of legal culture Lawrence M Friedman progressive Satjipto Rahardjo and Usul Fiqh used to find alternative meanings of texts relating to usury From search and review of the problems concluded that after the birth of four Imam Muslim schools stuck in the mindset of the four Imams Madzhab and afraid to ijtihad. Therefore, the Muslims thought of usury is not far from what has been inferred by the four Imam mazdhab. Finally Islamic law really can not answer the development of society. Bank interest is equated with usury which both born differ in the time span, the different communities of the background, a different effect. Therefore interest rates clearly differ from usury and should not be equated with riba. That is why people ignore the MUI fatwa in business transactions. Should the scholars 'move from positivistic Jurisprudence to understanding Sociological Jurisprudence positivistic Jurisprudence.Oleh Hence the scholars can use the legal pluralisme approach in defining legal meaning.

  19. Opaqueness and Bank Risk Taking

    Directory of Open Access Journals (Sweden)

    Patrick Behr

    2012-12-01

    Full Text Available This paper investigates the relationship between opaqueness and bank risk taking. Using a sample of 199 banks from 38 countries over the period January 1996 to December 2006, I analyze whether more opaque banks are riskier than less opaque banks. I find suggestive evidence that commonly used proxies for bank opaqueness are significantly related to bank risk taking as measured by the Merton PD and the bank-individual Z-score, even after accounting for potential simultaneity between risk taking and opaqueness. More opaque banks seem to engage more in risk taking than less opaque banks. This result provides support to the common view that bank opaqueness is problematic and that transparency among financial institutions should be increased.

  20. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  1. Cost leadership and bank internationalization

    OpenAIRE

    Galema, Rients; Koetter, Michael; Liesegang, Caroline

    2013-01-01

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

  2. The Ethical Stance in Banking

    OpenAIRE

    Villa, Jesus Simeon Villa

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  4. Banking in southern Europe

    Directory of Open Access Journals (Sweden)

    Lazarević Žarko

    2014-01-01

    Full Text Available The nations discussed here (Italy, Spain, Portugal and Greece have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begin with, if the lands of the North-Western Europe were large capital exporters, then the South European nations were the importers of this capital. The role of foreign capital, i.e., foreign banks, was great and irreplaceable in the development of banking. The second element in common was a large role of state in the economy in general. Under the circumstances of underdeveloped entrepreneurial environment, the state, through its economic activities, would become the driving force of overall economic and social development. This was also or especially the case with banking. Role played by the state only began to diminish towards the end of the 1980s, in the course of the processes of deregulation and liberalisation both at the international level as well as within the then European Economic Community or subsequent European Union. Already during the preparatory processes prior to the admission into the European Economic Community, Spain, Greece and Portugal, and, however, Italy as well, but due to European Directives it had to abide by, began comprehensive processes of restructuring their national banking systems. Since the second half of the 1980s, banking systems were subjected to liberalisation, deregulation and privatisation.

  5. Host cells and cell banking.

    Science.gov (United States)

    Stacey, Glyn N; Merten, Otto-Wilhelm

    2011-01-01

    Gene therapy based on the use of viral vectors is entirely dependent on the use of animal cell lines, mainly of mammalian origin, but also of insect origin. As for any biotechnology product for clinical use, viral -vectors have to be produced with cells derived from an extensively characterized cell bank to maintain the appropriate standard for assuring the lowest risk for the patients to be treated. Although many different cell types and lines have been used for the production of viral vectors, HEK293 cells or their derivatives have been extensively used for production of different vector types: adenovirus, oncorectrovirus, lentivirus, and AAV vectors, because of their easy handling and the possibility to grow them adherently in serum-containing medium as well as in suspension in serum-free culture medium. Despite this, these cells are not necessarily the best for the production of a given viral vector, and there are many other cell lines with significant advantages including superior growth and/or production characteristics, which have been tested and also used for the production of clinical vector batches. This chapter presents basic -considerations concerning the characterization of cell banks, in the first part, and, in the second part, practically all cell lines (at least when public information was available) established and developed for the production of the most important viral vectors (adenoviral, oncoretroviral, lentiviral, AAV, baculovirus).

  6. Conglomerate memory and cosmopolitanism

    Directory of Open Access Journals (Sweden)

    Susannah Ryan

    2016-01-01

    Full Text Available Under what conditions do countries and cultures considered radically different find a basis for allegiance and kinship? What part does memory play in this process? This article responds to these questions in two ways: 1 Through Emmanuel Levinas and Hannah Arendt, I propose that when an other appears in empathetic discourses that both honor difference and cite shared human experiences, seemingly irreconcilable people can develop a sense of mutual responsibility and 2 Conglomerate memory, memories that fuse together others through common pains, contributes to such an appearance. To illustrate this point, I turn to Congolese voices as they are articulated in online American discourses; although currently, authors of online texts typically rely on traditional narrative forms that position Central Africa as incommensurate to Western civilizations, the Internet's worldwide accessibility and intertextual capacities render it a place primed for developing international collectives by connecting memories while maintaining difference.

  7. Islamic Myths and Memories

    DEFF Research Database (Denmark)

    and globalization and to the study of the place of the mass media in the contemporary Islamic resurgence. It explores the annulment of spatial and temporal distance by globalization and by the communications revolution underlying it, and how this has affected the cherished myths and memories of the Muslim community......Islamic myths and collective memory are very much alive in today’s localized struggles for identity, and are deployed in the ongoing construction of worldwide cultural networks. This book brings the theoretical perspectives of myth-making and collective memory to the study of Islam....... It shows how contemporary Islamic thinkers and movements respond to the challenges of globalization by preserving, reviving, reshaping, or transforming myths and memories....

  8. Cost and profit efficiency of banks in Haiti: do domestic banks perform better than foreign banks?

    OpenAIRE

    Cadet, Raulin Lincifort

    2008-01-01

    I use the stochastic frontier methodology to estimate a cost and a profit frontier functions. The Fourier-flexible form is used in this paper because of its flexibility. Results show that, although foreign banks are more cost efficient than domestic banks, domestic banks are more profit efficient than foreign banks, in Haiti. The paper reveals also that, although treasury bills constitute an alternative source of profit for banks in Haiti, a growth of interest rate on treasury bills incre...

  9. When Memories are Mediated

    DEFF Research Database (Denmark)

    Frølunde, Lisbeth; Bjerregaard, Mette

    2013-01-01

    and political contexts and media platforms take place and become contexts for audience reception. This paper explores two examples of narratives that construct memories of acts of mass violence: “Gzim Rewind” (Sweden, 2011, director Knutte Wester) about 1990’s Kosovo, and “The Act of Killing” (Denmark, 2012......Acts of mass violence, including murder on civilians, genocide, oppression and wars, can mobilize memories of the involved persons and following generations in a certain historical situation. Acts of mass violence can also create a sort of looking glass of culturally dominant memories...... that are mediated through stories: told and retold as oral stories through generations, as myths or sagas, or remediated as contemporary documentary film accounts or more fictional film accounts. In these processes of retelling acts of violence, transformations of meanings across time, cultural, social...

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  11. Case Study of Online Banking in India: User Behaviors and Design Guidelines

    Science.gov (United States)

    Iyengar, Jhumkee; Belvalkar, Manisha

    This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users' outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. Design lessons suggest viewing online banking not just as a convenience alone anymore but beyond it, to provide service, simplicity and security. This will create satisfied online banking customers and therefore profitability for the bank.

  12. Prioritizing the client trust factors in electronic banking using analytic hierarchy process

    Directory of Open Access Journals (Sweden)

    Hossein vazifedust

    2014-04-01

    Full Text Available This paper prioritizes the trust factors among electronic banking clients of an Iranian bank named Parsian Bank. The study first analyzes and reviews the literature and interviews with experts of electronic banking and academicians and determines client trust as the most important factor for development of electronic banking. The study also determines different factors associated with trust, which includes individual factors, banking factors and infrastructural factors. The sample populations consist of 25 experts who are academicians, managers and bank officers, clients of electronic banking. The necessary data was collected through conducting interviews and questionnaires and they are analyzed using analytic hierarchy process (AHP. The research findings indicate that the attitudinal factors, telecommunication infrastructure and cultural factors were the most influential factors accordingly and the customer orientation and ease of access were the least influential factors.

  13. Connecting Competing Memories

    NARCIS (Netherlands)

    Laarse, van der R.; Saloul, I.A.M.

    Research Expert Meeting: Connecting Competing Memories of War in Contemporary Europe5 March 2014NIAS hosts, 6 - 7 March, the expert meeting of the Consortium for 'The Cultural Heritage of War in Contemporary Europe'. The aim is to draft main themes and discuss financial and research structures regar

  14. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

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

  16. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  17. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

    Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula.

  18. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks...

  19. Financial Crisis and Changes in Management Controls in Banks

    DEFF Research Database (Denmark)

    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....... They formalised their risk management, compliance and internal auditing practices, and hired more employees to perform these functions. Further, they strengthened and formalised their policies and procedures to ensure consistent practices. The Danish banks adapted their administrative controls to new regulatory...

  20. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders...

  1. Issues in Transformation from Conventional Banking to Islamic Banking

    National Research Council Canada - National Science Library

    Muhammad Usman Arshad; Mohammed Effandi Yusoff; Muhammad Sohail Tahir

    2016-01-01

    .... Islamic banking is the major constituent of the Islamic finance. In line with these transformations, Islamic banks and financial institutions are facing several problems due to non-existence of comprehensive framework...

  2. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

    Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

  3. User Adoption of Online Banking in Nigeria: A Qualitative Study

    Directory of Open Access Journals (Sweden)

    Tarhini A

    2015-12-01

    Full Text Available The emergence of the internet has created a great impact on our daily lives. In recent times, financial institutions worldwide have rapidly moved from branch-based banking to online based service delivery changing the way services are rendered to customers. Despite the deployment of technology driven services in the banking sector, the adoption of Internet banking especially in developing countries such as Nigeria is still an innovation. This paper aims to explore the factors that may influence or hinder the acceptance of internet banking in Nigeria. An interpretive approach was employed to gain a deeper insight of the subject topic. The findings show that security is the main concerning factor that influences customers’ decision to adopt online banking services. Culture and religion were also found to be influencing factors. A set of recommendations were provided on how user adoption of online banking can be increased amongst Nigerian customers. This paper concludes that the banks should better manage consumers’ experiences to enhance the use of internet banking services by including a process of adjustment and learning over time, and not just focusing on the adoption process itself.

  4. Memory Modulation

    NARCIS (Netherlands)

    Roozendaal, Benno; McGaugh, James L.

    2011-01-01

    Our memories are not all created equally strong: Some experiences are well remembered while others are remembered poorly, if at all. Research on memory modulation investigates the neurobiological processes and systems that contribute to such differences in the strength of our memories. Extensive evi

  5. Memory Matters

    Science.gov (United States)

    ... the brain that actually make memories harder to recall. previous continue Signs of a Memory Problem A person might — or might not — be ... A doctor will test the person's ability to recall events, names, or places by ... . If the person has memory loss from a head injury, the doctor will ...

  6. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  7. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

    ... 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...

  8. Self and social functions: individual autobiographical memory and collective narrative.

    Science.gov (United States)

    Nelson, Katherine

    2003-03-01

    The personal functions of autobiographical memory build on the basic biological functions of memory common to most mammals that, however, do not have the kind of episodic memories that compose human autobiographical memory according to present theory. The thesis here is that personal autobiographical memory is functionally and structurally related to the use of cultural myths and social narratives, and that the relative emphasis put on the self in different cultural and social contexts influences the form and function of autobiographical memory and the need for developing a uniquely personal life narrative in those contexts. Historical and cross-cultural trends revealed in psychological and literary research are invoked to support this thesis.

  9. PENGARUH DIMENSI BANKING SERVICE QUALITY (BSQ) TERHADAP KEPUASAN NASABAH BANK

    OpenAIRE

    Sri Sumardiningsih; Wawan Sundawan; Lies Endarwati; Arif Wibowo; Yulia Ayriza

    2012-01-01

    Abstract: Effect of Banking Service Quality (BSQ) Dimensions towards Bank Customer Satisfaction. This study aims to determine the effect of Banking Service Quality (BSQ) to the customer satisfaction of BPD Bank in DIY. This research is a survey research with a sample of 1.536 respondents. The sample was taken by purposive sampling technique. Data collection instrument was questionnaires and analyzed using multiple regression. The results showed that six dimensions of BSQ simultaneously gave p...

  10. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

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

  11. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  12. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

    ... voting shares of Bank of Anderson, National Association, Anderson, South Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South Carolina. B. Federal Reserve Bank...

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

    NARCIS (Netherlands)

    Uittenbogaard, R.A.|info:eu-repo/dai/nl/237904470

    2014-01-01

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

  14. The Agency of Memory Objects

    DEFF Research Database (Denmark)

    Wiegand, Frauke Katharina

    2016-01-01

    and international tourists’ photographs and notes, especially their visual encounters with the exhibition, are understood as participatory interactions in the course of memory work. The article’s aim is twofold: introducing an ANT-inspired methodology to the field of memory studies, and mapping a Sowetan memory......This article analyses the multifarious acts of cultural memory taking place in the small, almost hidden, exhibition space of the famous Regina Mundi Church in Soweto, South Africa, home to the photographic exhibition “The Story of Soweto.” Next to the photographs (1950-2010) by well-known apartheid...... of action, examining the idea that objects, such as images, that leave a trace can act as mediators of memory. Starting from visitors’ appropriations of the exhibition space, the essay sheds light on the different life cycles of memory objects, in particular images, and their diverse mediations. Domestic...

  15. QUALITY MANAGEMENT IN BANKING SYSTEM

    OpenAIRE

    2009-01-01

    Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  16. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

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

  17. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  18. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

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

  19. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  20. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  1. Reconsidering the Role of Memory in Religious Education

    Science.gov (United States)

    Brancatelli, Robert

    2015-01-01

    This article examines the importance of memory in the Hebrew bible and how memory lay at the center of Ancient Israel's religious faith and cultural identity. It argues for a similar, albeit nuanced, memory-based approach to contemporary Christian religious education. It analyzes memory through the lens of Paul Ricoeur's hermeneutic of…

  2. Reconsidering the Role of Memory in Religious Education

    Science.gov (United States)

    Brancatelli, Robert

    2015-01-01

    This article examines the importance of memory in the Hebrew bible and how memory lay at the center of Ancient Israel's religious faith and cultural identity. It argues for a similar, albeit nuanced, memory-based approach to contemporary Christian religious education. It analyzes memory through the lens of Paul Ricoeur's hermeneutic of narration…

  3. Banking On People

    Science.gov (United States)

    Manpower, 1970

    1970-01-01

    In July 1968, the First National City Bank in New York (Citibank) received a government contract to train the disadvantaged by providing orientation, counseling, job related education, supervisor training, child care, transportation, and some medical and dental care. The Job Opportunities in the Business Sector Program (JOBS) stipulated pay of $70…

  4. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  5. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

    The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…

  6. Kosovo Banking Paradox

    Directory of Open Access Journals (Sweden)

    Florin Aliu

    2016-12-01

    Full Text Available Kosovo does not have a bond market, which would enable companies, people and other economic agents to have access to it, that would have been a substitute for the companies to get other sources of funds beside banking sector. The Kosovo economy has only one source of institutional money injected into the economy and that is the banking industry. Bringing back the money of Kosovo Pension and Saving Trust (KPST to Kosovo would have been a huge injection for the economy to raise GDP and lower unemployment. Since the companies in Kosovo contain a lot of asymmetric information within their financial statements, clearing the way for KPST how to allocate their investments in Kosovo would be through alleviating asymmetric information. The paper stands on the general concepts of the asymmetric information and how to alleviate it within the financial market and particularly within the bond market. The other part of the paper concentrates on theoretical framework how to eliminate asymmetricbinformation for the companies who want to get funding from KPST. Therefore, it is necessary to have healthy banks and a better environment to have a sound bond market. On the other hand, the bond market may increase the health of banks by enhancing market competition.

  7. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

    The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…

  8. Wetlands Mitigation Banking Concepts

    Science.gov (United States)

    1992-07-01

    the financial risk associated with are normally established in advance, mitigation permitted activities. banks eliminate the lag time between loss and...management natural state or to an enhanced condition and techniques. None of the traditional wetlands begin to amass bankable credits has also been management

  9. Four Women Bank Directors

    Institute of Scientific and Technical Information of China (English)

    1995-01-01

    FOUR of the five directors of state banks in Beihai City in Guangxi Zhuang Autonomous Region are women. These women show that women are no longer only able to manage family finance, but they are able to take charge of the important responsibility for state finance. The mayor of Beihai City calls them the city’s outstanding financial affairs managers.

  10. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  11. The Educational Opportunity Bank.

    Science.gov (United States)

    Jellema, William W.

    The Educational Opportunity Bank (EOB) has received short shrift among educators and many objections have been raised to establishing it. Among these are the workability of the plan, the problem for women borrowers, and the creation of a new force--student financial power - in opposition to the influence of the Federal Government. Though…

  12. Do Central Banks Need Capital?

    OpenAIRE

    Peter Stella

    1997-01-01

    Central banks may operate perfectly well without capital as conventionally defined. A large negative net worth, however, is likely to compromise central bank independence and interfere with its ability to attain policy objectives. If society values an independent central bank capable of effectively implementing monetary policy, recapitalization may become essential. Proper accounting practice in determining central bank profit or loss and rules governing the transfer of the central bank’s ope...

  13. Innovative Secure Mobile Banking Services

    OpenAIRE

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

    2011-01-01

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

  14. ANALISIS PENYALURAN DANA BANK SYARIAH

    OpenAIRE

    Siswati -

    2013-01-01

    Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Sertifikat Wadiah Bank Indonesia (SWBI), dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini ...

  15. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

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

  16. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

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

    OpenAIRE

    Wang, Xiaoling

    2006-01-01

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

  18. Memory protection

    Science.gov (United States)

    Denning, Peter J.

    1988-01-01

    Accidental overwriting of files or of memory regions belonging to other programs, browsing of personal files by superusers, Trojan horses, and viruses are examples of breakdowns in workstations and personal computers that would be significantly reduced by memory protection. Memory protection is the capability of an operating system and supporting hardware to delimit segments of memory, to control whether segments can be read from or written into, and to confine accesses of a program to its segments alone. The absence of memory protection in many operating systems today is the result of a bias toward a narrow definition of performance as maximum instruction-execution rate. A broader definition, including the time to get the job done, makes clear that cost of recovery from memory interference errors reduces expected performance. The mechanisms of memory protection are well understood, powerful, efficient, and elegant. They add to performance in the broad sense without reducing instruction execution rate.

  19. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  20. Learning and memory

    Directory of Open Access Journals (Sweden)

    P. A. J. Ryke

    1989-03-01

    Full Text Available Under various circumstances and in different species the outward expression of learning varies considerably, and this has led to the classification of different categories of learning. Just as there is no generally agreed on definition of learning, there is no one system of classification. Types of learning commonly recognized are: Habituation, sensitization, classical conditioning, operant conditioning, trial and error, taste aversion, latent learning, cultural learning, imprinting, insight learning, learning-set learning and instinct. The term memory must include at least two separate processes. It must involve, on the one hand, that of learning something and on the other, at some later date, recalling that thing. What lies between the learning and (he remembering must be some permanent record — a memory trace — within the brain. Memory exists in at least two forms: memory for very recent events (short-term which is relatively labile and easily disruptable; and long-term memory, which is much more stable. Not everything that gets into short-term memory becomes fixed in the long-term store; a filtering mechanism selects things that might be important and discards the rest.

  1. Readiness for banking technologies in developing countries

    African Journals Online (AJOL)

    banking, internet banking and automated teller machine (ATM) banking to ... businesses in developing countries are building unique ways to market products ... characteristics such as technology readiness, it is therefore important for banks in.

  2. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations,...

  3. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-05

    ... Central Bank and Trust, Lander, Wyoming; CenBank, Buffalo Lake, Minnesota; and VH Bancorporation, Inc... 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...

  4. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The result

  5. Foreign Banks: Trends and Impact

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

    Over the past two decades, foreign banks have become much more important in domestic financial intermediation, heightening the need to understand their behavior. We introduce a new, comprehensive database, made publicly available, on bank ownership (including the home country of foreign banks) for 5

  6. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less ...

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

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

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

  8. THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

    National Research Council Canada - National Science Library

    Yaser Taufik Syamlan

    2017-01-01

    Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS) or 100...

  9. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  10. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

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

  11. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

    ... the bank's loan customers. (b) Income derived from credit life insurance sales to loan customers may... seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank compensation. 2.5 Section 2.5 Banks...

  12. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

    ... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1)...

  13. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

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

  15. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

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

  16. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

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

  17. Disputed Memory

    DEFF Research Database (Denmark)

    The world wars, genocides and extremist ideologies of the 20th century are remembered very differently across Central, Eastern and Southeastern Europe, resulting sometimes in fierce memory disputes. This book investigates the complexity and contention of the layers of memory of the troubled 20th...... century in the region. Written by an international group of scholars from a diversity of disciplines, the chapters approach memory disputes in methodologically innovative ways, studying representations and negotiations of disputed pasts in different media, including monuments, museum exhibitions......, individual and political discourse and electronic social media. Analyzing memory disputes in various local, national and transnational contexts, the chapters demonstrate the political power and social impact of painful and disputed memories. The book brings new insights into current memory disputes...

  18. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    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

  19. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

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

  20. Factors Affecting Intentions to Use Banking Services in Yemen

    Directory of Open Access Journals (Sweden)

    KHALED AL-QASA

    2013-08-01

    Full Text Available The issue of attracting customers’ usage of banking services has been solved in developed countries, as well as in some Middle East countries. However, in Yemen, it is still unpredictable, where most of people do not use bank services to facilitate their financial needs. Therefore, it has caused a real problem in the Yemeni economy. Consequently, this research targets to close the gap by investigating the factors influencing Yemeni's consumers who possibly differ from consumers in the developed countries in terms of their psychological, cultural and behavior to use the banking system. Data were collected through questionnaires collected from university students and analyzed by SPSS version 17. Proposed hypotheses were statistically tested by means of factor analysis, correlation and regression analysis. This study came out with rich results and highlighted that the relationship between, service quality, banking Legal framework, bank advertisement are significant and positive on behavioral intention except cultural belief where it was significant but played a negative role in using the banking system in Yemen.

  1. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

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

  2. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

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

  3. Main Memory

    OpenAIRE

    Boncz, Peter; Liu, Lei; Özsu, Tamer, M.

    2008-01-01

    Primary storage, presently known as main memory, is the largest memory directly accessible to the CPU in the prevalent Von Neumann model and stores both data and instructions (program code). The CPU continuously reads instructions stored there and executes them. It is also called Random Access Memory (RAM), to indicate that load/store instructions can access data at any location at the same cost, is usually implemented using DRAM chips, which are connected to the CPU and other peripherals (di...

  4. Palimpsest, Memory and Agency in Faroese/Danish Memory Politics

    DEFF Research Database (Denmark)

    Simonsen, Kim

    In this paper I will analyse the creation and the dynamics of memory seen through the canonization of a 19th Century writer in Nólsoyar Páll as a national hero in the Faroe Islands. Combining approaches from cultural nationalism studies (working with literature), memory studies and imagology. We...... will investigate the use of cultural saints and national hero’s. I will argue, that narratives of hero’s recycle earlier forms of remembrance and images as in the metaphorical palimpsest figure seen through monuments and places of memory. Here is the question, how did we proceed from the mangrove swamp...... of different ethnic self-images to a instrumentalization of an image of the Faroe Islands? How did the use of the literary archive and the memory of the Faroe Islanders relate to a canonization of literature and national hero’s in a time of historical and political change?...

  5. CUSTOMER RELATIONSHIP MANAGEMENT: CONCEPT AND IMPORTANCE FOR BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Marko Laketa

    2015-12-01

    Full Text Available Customer Relationship Management concept is tendency of banking sector to establish and maintain long-term relationships with customers in order to provide value for customers and banks. This concept allows bank to identify, segment, communicate and build long-term relationships with customers on individual basis. In today's business environment, banks have aim to identify customers and to adjust offer to meet customer`s needs, in order to maximize profits. Using modern technologies, Customer Relationship Management is becoming a method to maintain existing structure and development of high quality customer base. It involves development of marketing strategy through a better understanding of the entire customer base, understanding needs and attitudes of customers, as well as more efficient consideration of profitability and added value that each customer have for the bank. The aim of research, presented in this paper, is to assess to benefits of introducing Customer Relationship Management concept in banking sector, by defining strategies, adjustment of organizational structure, culture and internal processes with help of modern technology. The paper presents methods of measuring success of Customer Relationship Management concept and problems which banks have when implementing a new business philosophy.

  6. Virtual blood bank.

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-24

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

  7. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  8. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural...

  9. Influence of memory theme and posttraumatic stress disorder on memory specificity in British and Iranian trauma survivors.

    Science.gov (United States)

    Jobson, Laura; Cheraghi, Sepideh

    2016-09-01

    This study investigated the influence of culture, memory theme and posttraumatic stress disorder (PTSD) on autobiographical memory specificity in Iranian and British trauma survivors. Participants completed the Autobiographical Memory Test and PTSD Diagnostic Scale. The results indicated that the British group provided significantly more personal-themed memories than the Iranian group, while the Iranian group provided significantly more social-themed memories than the British group. The British group also provided a significantly greater proportion of specific personal-themed and social-themed memories than the Iranian group. Overall, in both cultural groups memory specificity was found to be significantly correlated with PTSD symptoms. These findings provide further evidence that regardless of memory theme, specificity of autobiographical memories function to differentiate the self from others and reaffirm the independent self. They also further highlight that pan-culturally an overgeneral retrieval style may be employed by those with PTSD symptoms.

  10. Financial Crisis and Changes in Management Controls in Banks

    DEFF Research Database (Denmark)

    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....... They formalised their risk management, compliance and internal auditing practices, and hired more employees to perform these functions. Further, they strengthened and formalised their policies and procedures to ensure consistent practices. The Danish banks adapted their administrative controls to new regulatory...... requirements. Risk management, compliance and internal auditing were relatively mature processes in the Danish banks before the crisis, and the adjustments required to adapt to changed compliance requirements were less extensive. Management controls in general seem to play a critical role in responding...

  11. The Reasons to Lack of Electronic Banking Achievement in Iran

    Directory of Open Access Journals (Sweden)

    Mohsen Rasoulian

    2011-09-01

    Full Text Available Back ground: electronic banking is an important and fundamental issue that plays an important role in reachingto electronic government. Generally speaking electronic banking includes all banking services using electronicsystem by the virtue of safe mediators in a way that physical presence is no longer necessary. The beginning ofelectronic banking turns back to 1960s when computers were used in banks for the first time. The second roundof electronic banking started at late 1970s and it was named automation of the office. Using telecommunicationservices was also common in this period. The third round started in the middle of 1980s by connection ofcustomers to accounts. In this round the connection of customers with their accounts, telephone, ATM, etc wasused. Finally, fourth period was accompanied by uniting the systems and connecting the customer to all bankingoperations. The beginning of electronic banking in Iran goes back to 1981-1991. Tejarat bank issued the firstbank card in 1991 and after that Sepah bank started to establish 7 ATM stands all over the country. In 1992 Iranjoined SWIFT(Society for Worldwide Interbank Financial Telecommunication international channel and itwas connected to the channel in 1993.Methods: The type of study is operational from the perspective of its aim and practical from the perspective of itsimplementation and it includes two parts. The first part is concerned with a comparison of banking systems inTurkey-Malaysia and Iran. The second part is however concerned with the obstacles in the way of electronicbanking in Iran including: management obstacles, financial obstacles, technical obstacles, cultural obstacles andsafety obstacles. It is attempted to use statistics from the organizations like central bank, telecommunicationcenter, etc and study the amount of influence in each of them. Statistical data used in this study is during 2010-2011.Results: The result of the first chapter of the present study is the

  12. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

    Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.

  13. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  14. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    Directory of Open Access Journals (Sweden)

    Aji Damanuri

    2016-02-01

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

  15. What happens when we compare the lifespan distributions of life script events and autobiographical memories of life story events? A cross-cultural study

    DEFF Research Database (Denmark)

    Zaragoza Scherman, Alejandra; Salgado, Sinué; Berntsen, Dorthe

    Cultural Life Script Theory (Berntsen and Rubin, 2004), provides a cultural explanation of the reminiscence bump: adults older than 40 years remember a significantly greater amount of life events happening between 15 - 30 years of age (Rubin, Rahal, & Poon, 1998), compared to other lifetime perio...

  16. PENERAPAN KETENTUAN KEPAILITAN PADA BANK YANG BERMASALAH

    Directory of Open Access Journals (Sweden)

    Ari Purwadi

    2011-05-01

    Full Text Available Legal research is motivated that the Bank is a business entity that has special characteristics that revocation of business licenses, corporate dissolution, and liquidation of the bank can not be equated with generally accepted procedures. In this situation the bank can not resolve the difficulty or the circumstances of the bank concerned endanger the national banking system will require the role of BankIndonesia. Is bankruptcy can be applied to troubled banks? By using the normative approach, based on the provisions of the Banking Law, BankIndonesiais authorized to revoke the business licenses of problem banks. Bankruptcy law also authorizes the Bank Indonesia to file bankruptcy for troubled banks. So far, BankIndonesiain dealing with troubled banks after a failed rescue attempt using the process of liquidation, bankruptcy efforts have not used.

  17. MOBILE BANKING AND SUSTAINABLE GROWTH

    Directory of Open Access Journals (Sweden)

    Atul Srivastava

    2013-01-01

    Full Text Available The paper discusses about awareness of mobile banking services and their possible contribution towards sustainable growth. This study attempts to look into the issues regarding mobile banking services and their possible contribution in financial inclusion in India. With the help of this study author tries to focus those areas where banks can provide these mobile banking services. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion. For a successful financial inclusion i.e., inclusive growth, in this era, combination of both the services i.e., banking as well as mobile is very much required. Mobile banking which can be termed as virtual banking can do wonders for the economy, because these days growth in economy is possible with the help of financial inclusion and in current scenario, statistics reveals that it is very easy with the help of mobile banking. This study has been done in two phases. First phase discusses about awareness of M-banking services and Second phase discusses about possible contribution of mobile banking towards financial inclusion. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. In fact including rural subscribers in the banking net can help in inclusive growth, as it not very difficult to go for a mobile phone rather than going for a computer in rural areas. This service can do wonders if implemented effectively and sincerely. If any service is provided, there are always two sides, supply side and demand side. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion.

  18. 羞耻性自传体记忆: 基于自我文化差异的对比研究%Autobiographical Memories of Shame: A Comparative Study in the Context of Cultural Differences of Self

    Institute of Scientific and Technical Information of China (English)

    张智丰; 高隽; 钱铭怡; 王爱民; 张黎黎; 汪智艳

    2009-01-01

    The main objective was to compare the emotion of shame under Chinese culture and American culture,based on the self theory of Markus and Kitayama. There were 69 Chinese collage students and 65 American collage students involved inthis study. Each subject was asked to recall one shameful event he or she experienced. Then based on the theoretical hypothesis and characters of these shameful autobiographical memories, a coding scheme was developed. All autobiographicalmemories were coded according to the scheme. The main results are as follows: 1) the shameful autobiographical memories of Chinese subjects were more specific than those of the American subjects';2) compared withthose of the American subjects, Chinese subjects' autobiographical memories contained more interpersonal contents;and 3) compared with the American subjects,Chinese subjects reported more shameful autobiographical memories happened in the period of childhood and adolescence, in the places of school and with teachers' comments on the events.%基于Markus和Kitayama的自我文化理论,考察羞耻情绪在中美两国文化下的差异.69名中国大学生和65名美国大学生作为被试,每个被试被要求回忆一个自己亲身经历的羞耻性事件.之后根据羞耻自传体记忆的特点及理论假设,制定了编码规则.根据编码规则,对每个记忆进行编码统计.研究结果显示: 1) 中国被试羞耻性自传体记忆的具体程度高于美国被试;2) 中国被试的羞耻记忆出现更多人际关系的内容;3) 中国被试更多报告羞耻事件发生在童年和青春期,更多涉及学校和老师的评价.

  19. Umbilical cord blood banks. Ethical aspects. Public versus private banks.

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

  20. MANAGING DISRUPTIVE TECHNOLOGY — INTERNET BANKING VENTURES FOR TRADITIONAL BANKS

    OpenAIRE

    Stephen K. Callaway; Hamilton, Robert D.

    2008-01-01

    This study examines the perception of the nature of technological change for Internet Banking by proposing and testing a model of the strategic management of online banking by traditional banks. Specifically, this empirical study uses a stratified sample of the FDIC database to address how perception of the technology and the environmental context (knowledge of cause-effect relations and crystallized outcome standards) impact internal and external constituency relationships (including social ...

  1. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  2. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  3. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

    Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA), but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA), Standard Bank, Nedcor and First National Bank (FNB) influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996...

  4. Flavor Memory

    NARCIS (Netherlands)

    Mojet, Jos; Köster, Ep

    2016-01-01

    Odor, taste, texture, temperature, and pain all contribute to the perception and memory of food flavor. Flavor memory is also strongly linked to the situational aspects of previous encounters with the flavor, but does not depend on the precise recollection of its sensory features as in vision and

  5. Memory integration

    NARCIS (Netherlands)

    Sweegers, C.C.G.

    2014-01-01

    The aim of this thesis was to characterize the neural mechanisms underlying memory integration. In chapter 2, we studied the neural underpinnings of regularity extraction across hippocampus-dependent episodic memories. We found higher connectivity between the hippocampus and the mPFC for the

  6. Shared Memories?

    DEFF Research Database (Denmark)

    Wæhrens, Anne

    2011-01-01

    This paper analyses how the memory of the Holocaust has been addressed in the European Parliament from 1989 to 2009. I identify two major changes that occurred in the 1990s and after the 2004 enlargement of the European Union respectively. In the 1990s the war in Bosnia and the question of restit......This paper analyses how the memory of the Holocaust has been addressed in the European Parliament from 1989 to 2009. I identify two major changes that occurred in the 1990s and after the 2004 enlargement of the European Union respectively. In the 1990s the war in Bosnia and the question...... of restitution universalised the memory of the Holocaust and made it present. The 2004 enlargement brought the memory of Soviet Communism into the Union and made it a central task to construct a community of memory that includes both the memory of the Holocaust and of Soviet Communism. The analysis also...... identifies what seems to be a political memory split between Left and Right; and it shows that the time might not be ripe for a shared European memory....

  7. Collaging Memories

    Science.gov (United States)

    Wallach, Michele

    2011-01-01

    Even middle school students can have memories of their childhoods, of an earlier time. The art of Romare Bearden and the writings of Paul Auster can be used to introduce ideas about time and memory to students and inspire works of their own. Bearden is an exceptional role model for young artists, not only because of his astounding art, but also…

  8. Main Memory

    NARCIS (Netherlands)

    P.A. Boncz (Peter); L. Liu (Lei); M. Tamer Özsu

    2008-01-01

    htmlabstractPrimary storage, presently known as main memory, is the largest memory directly accessible to the CPU in the prevalent Von Neumann model and stores both data and instructions (program code). The CPU continuously reads instructions stored there and executes them. It is also called Random

  9. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  10. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  11. Eye movement monitoring of memory.

    Science.gov (United States)

    Ryan, Jennifer D; Riggs, Lily; McQuiggan, Douglas A; McQuiggan, Doug

    2010-08-15

    Explicit (often verbal) reports are typically used to investigate memory (e.g. "Tell me what you remember about the person you saw at the bank yesterday."), however such reports can often be unreliable or sensitive to response bias, and may be unobtainable in some participant populations. Furthermore, explicit reports only reveal when information has reached consciousness and cannot comment on when memories were accessed during processing, regardless of whether the information is subsequently accessed in a conscious manner. Eye movement monitoring (eye tracking) provides a tool by which memory can be probed without asking participants to comment on the contents of their memories, and access of such memories can be revealed on-line. Video-based eye trackers (either head-mounted or remote) use a system of cameras and infrared markers to examine the pupil and corneal reflection in each eye as the participant views a display monitor. For head-mounted eye trackers, infrared markers are also used to determine head position to allow for head movement and more precise localization of eye position. Here, we demonstrate the use of a head-mounted eye tracking system to investigate memory performance in neurologically-intact and neurologically-impaired adults. Eye movement monitoring procedures begin with the placement of the eye tracker on the participant, and setup of the head and eye cameras. Calibration and validation procedures are conducted to ensure accuracy of eye position recording. Real-time recordings of X,Y-coordinate positions on the display monitor are then converted and used to describe periods of time in which the eye is static (i.e. fixations) versus in motion (i.e., saccades). Fixations and saccades are time-locked with respect to the onset/offset of a visual display or another external event (e.g. button press). Experimental manipulations are constructed to examine how and when patterns of fixations and saccades are altered through different types of prior

  12. Memory conformity affects inaccurate memories more than accurate memories.

    Science.gov (United States)

    Wright, Daniel B; Villalba, Daniella K

    2012-01-01

    After controlling for initial confidence, inaccurate memories were shown to be more easily distorted than accurate memories. In two experiments groups of participants viewed 50 stimuli and were then presented with these stimuli plus 50 fillers. During this test phase participants reported their confidence that each stimulus was originally shown. This was followed by computer-generated responses from a bogus participant. After being exposed to this response participants again rated the confidence of their memory. The computer-generated responses systematically distorted participants' responses. Memory distortion depended on initial memory confidence, with uncertain memories being more malleable than confident memories. This effect was moderated by whether the participant's memory was initially accurate or inaccurate. Inaccurate memories were more malleable than accurate memories. The data were consistent with a model describing two types of memory (i.e., recollective and non-recollective memories), which differ in how susceptible these memories are to memory distortion.

  13. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

    ... 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...: 1. SG-BBC, LLC, and The Stephens Group, LLC, both of Little Rock, Arkansas; to acquire voting...

  14. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... 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...

  15. 76 FR 16776 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-25

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors... Apple Valley, Minnesota; to acquire voting shares of Bridgewater Bancshares, Inc., and thereby...

  16. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    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.

  17. "Credit Markets and Narrow Banking"

    OpenAIRE

    Ronnie Phillips

    1992-01-01

    Maurice Allais's view that the credit created by fractional reserve banking is equivalent to counterfeiting has led him to recommend the separation of the depository and lending functions of banks. This proposal has recently been reintroduced by James Tobin and others under the term "narrow banking." Proponents cite the potential for enhanced safety of the payments mechanism and the elimination of costs associated with the preses system of Federal deposit insurance. This plan resembles the "1...

  18. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

    The purpose of the scientific approach is to demonstrate the usefulness of the adoption of modern promotion techniques in the actual financialbanking sector, in addition to the classical techniques. To achieve this end, the investigation of the Romanianfinancial-banking sector has been deeply conducted, by evaluating the market relations existing between the financial and banking institutions and individuals, as well as promotional techniques adopted by banks, during the communication process...

  19. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  20. Improving public disclosure in banking

    OpenAIRE

    anonymous

    2000-01-01

    The use of market discipline as a complement to bank supervision and regulation has gained greater acceptance in the United States and abroad. It is also widely recognized that effective market discipline depends on market participants' having information about the risks and financial condition of banking organizations. Therefore, attention is being focused increasingly on ways to improve transparency in banking. Staff of the Federal Reserve System undertook a staff study, Improving Public Di...

  1. GenBank

    OpenAIRE

    Burks, Christian; Cassidy, Maxxwell; Cinkosky, Michael J.; Cumella, Karen E.; Gilna, Paul; Hayden, Jamie E.-D.; Keen, Gifford M.; Kelley, Tom A.; Kelly, Michael; Kristofferson, David; Ryals, Julie

    1991-01-01

    The GenBank nucleotide sequence database now contains sequence data and associated annotation corresponding to 56,000,000 nucleotides in 45,000 entries. The input stream of data coming into the database has largely been shifted to direct submissions from the scientific community on electronic media. The data have been installed in a relational database management system and are made available in this form through on-line access, and through various network and off-line computer-readable media...

  2. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  3. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  4. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  5. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    With limited exposure to the global financial crisis, Chinese banks have remained profitable for the past three quarters while the rest of the world has groaned under the spreading global financial turmoil, China’s banking industry reported another season of good harvest when 14 listed banks all managed to secure high net profit growth in the first three quarters of this year. According to their quarterly reports, the 14 banks reaped a total of 334.1 billion yuan ($49 billion) in net profit during the period,

  6. Breaking e-Banking CAPTCHAs

    OpenAIRE

    Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland

    2010-01-01

    Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...

  7. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-05-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment. 

  8. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-04-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment.

  9. Determinants of Non Performing Loans in Commercial Banks: A Study of NBC Bank Dodoma Tanzania

    Directory of Open Access Journals (Sweden)

    N. Viswa Nadham

    2015-03-01

    Full Text Available The study attempts to ascertain the determinants of nonperforming loans in National Bank of Commerce. Data was collected from 152 respondents. Tables, percentages, mean and standard deviation were used to analyze data. Data collection methods adopted for the study were interview, questionnaire and documentary evidence. Interest rate, GDP, concentration of lending activities, bank’s loan supervision capacity and economic condition were investigated, and the results suggest that interest rate, GDP, bank’s loan supervision capacity and economic condition influence the level of NPLs. However, the results did not suggest that concentration of lending activities increase the level of NPLs.   The study suggests that banks should put in place a vibrant credit process that ensures proper customer selection and risk identification, robust credit analysis, proactive monitoring and clear recovery strategies for bad loans, formulate clear policy framework that addresses issues of ethical standards and check and balance credit process, organizational capacity enhancement of banks, deliberate effort to develop credit culture for managing loans ,and ensure prudent policies that govern bank loans. Since the results for this study were encouraging, the researcher encourages replicating the study for other lending institutions. In order to extend the literature on non-performing loans, the researcher suggested incorporating models of Golem effect, Social loafing, Inverted pyramid effect, Pollyanna effect and High default culture effect.  Also, basing on the merits of the study, the researcher suggests determining relationship between non-performing loans and loan size, collateral, credit culture, and credit management information system.

  10. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authority of Reserve Banks. 811.1 Section 811.1 Banks and Banking FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.1 Authority of Reserve Banks. Each Reserve Bank is hereby authorized, in accordance with...

  11. Mobile Banking Supervising System- Issues, Challenges and Suggestions to improve Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

    Full Text Available Banking is one of the Largest Financial Institution which constantly provides better Customer Services. To improve the Service Quality, Banking Services are expanded to Mobile Technology. Recently Mobile Banking plays a vital role in Banking Sector. This ...

  12. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ CEOs of international banks face their toughest challenge in China. Citibank and HSBC already moved aggressively by taking stakes in the remaining large and well-known banks, such as the Shanghai Pudong Development Bank and the Bank of Communications. Such tie-ups offer opportunities to market credit cards and other banking products through local networks.

  13. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

    Full Text Available Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  14. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

    textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

  15. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.205 Section 91.205... EMISSIONS FROM MARINE SPARK-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 91.205 Banking. (a... banking. (i) For outboard engines in model year (MY) 1997, a manufacturer may bank positive emission...

  16. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  17. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Banks. 643.113 Section 643.113 National Defense... Authority of Commanders § 643.113 Banks. (a) The establishment of banks, branch banks, and banking... fair market value, and reimbursement will be required for utilities and services furnished. (e) A...

  18. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...

  19. An empirical investigation on factors influencing on electronic banking for developing export

    Directory of Open Access Journals (Sweden)

    Naser Azad

    2013-06-01

    Full Text Available Developing economy needs appropriate infrastructure in different areas including electronic banking. This paper presents an empirical investigation on important factors influencing electronic banking for developing exports in Iran. The proposed study of this paper designs a questionnaire and distributes it among 200 regular customers who use banking services of various banks in city of Tehran, Iran. Cronbach alpha has been calculated as 0.752 and there are five factors including internet infrastructure, advanced services, usability and information design. The most important sub-criteria include building required culture, customer awareness, the role of government, internet knowledge and compatibility with internet technology.

  20. Central Bank Focuses on Money Supply and Commercial Bank Reform

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ Money supply index will continue to be the main topic of the annual meeting of Central Bank, this has actually refuted the rumor that the intermediate goal of Central Bank's monetary policy,which has been implementing for 8 years, will be demolished.

  1. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

    Aghion, P.; Bolton, P.; Dewatripont, M.

    2000-01-01

    This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood

  2. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

    Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islami...

  3. Determinents of profitability – a comparative analysis of islamic banks and conventional banks in ASEAN countries

    OpenAIRE

    Wahidudin, AHMAD Nazri; Subramaniam, ULAGANATHAN; Pg. Kamaluddin, PENGIRAN. Abd Mutalib

    2012-01-01

    The profit and loss sharing system allows bank to share risk with client in Islamic banks. Moreover Islamic banks are required to operate as per Islamic Rules and principles. Unlike Islamic banks, conventional banks operate based on interest. The income of conventional banks is the difference between interest paid to depositors and interest paid by borrowers. This is the common banking system around the world. This study will analyze determinants of profitability in Islamic banks will be co...

  4. Information Technology Role in Reducing E-Banking Services Risk in Jordanian Banking Sector

    OpenAIRE

    Ahmad Y. Areiqat; Aymen M. Abu-Errub; Badi S. AL-Rawashdeh; Mohammad Dbbaghieh

    2012-01-01

    Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank). Results: The results showed that Jordanian banks showed highest attention toward risk ...

  5. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islamic banks, a positive and significant impact of NIM and ROE to dependent variable, whereas liquidity gaps and RLA have significat effect.DOI: 10.15408/aiq.v5i2.2118

  6. An Efficient Memory Operations Optimization Technique for Vector Loops on Itanium 2 Processors

    OpenAIRE

    William, Jalby; Lemuet, Christophe; Touati, Sid

    2006-01-01

    International audience; To keep up with a large degree of instruction level parallelism (ILP), the Itanium 2 cache systems use a complex organization scheme: load/store queues, banking and interleaving. In this paper, we study the impact of these cache systems on memory instructions scheduling. We demonstrate that, if no care is taken at compile time, the non-precise memory disambiguation mechanism and the banking structure cause severe performance loss, even for very simple regular codes. We...

  7. Evaluation of Maintenance Management Practice in Banking Industry in Lagos State, Nigeria

    Directory of Open Access Journals (Sweden)

    Olajide Julius Faremi

    2012-04-01

    Full Text Available The study focused on maintenance management practice in banking industry in Lagos state, Nigeria. It assessed the operational state of bank buildings, the factors affecting maintenance management of bank buildings, the maintenance management strategy used in maintainingbank buildings and the adequacy of funds available for maintenance management of bank buildings within the study area. In achieving these objectives, opinions of maintenanceofficers and users of randomly selected banks were sampled through structured questionnaires. The data collected were analyzed using descriptive and inferential statistics. The analysis revealed the operational state of bank buildings in Lagos State as good, there is no significant difference in the perception of the maintenance staff and users as to the operational state. However, there is significant difference in the operational state of the old and the newgeneration bank buildings as the study reveals that the components and services of the buildings of the new generation banks are in better operational state than those of the old generation bank buildings. Maintenance officers ranked attitude of users and misuse of facilities as the most significant factor affecting maintenance management of bank buildings while users of the buildings ranked lack of discernable maintenance culture in the country asthe most significant factor responsible for poor maintenance management of bank buildings. The perception of the maintenance staff and users of bank buildings as regards factors responsible for poor maintenance management of bank buildings are significantly different. The study recommended proactive measures to keep hypothesized factors under check in other to overcome the prevailing maintenance problems of bank buildings. Top managementare to provide adequate funding for the running of maintenance operations and such funds should be properly monitored to ensure that it is judiciously utilized.

  8. Sustainability and Readiness for Change: Insights from a Banking Case Study in Serbia

    Directory of Open Access Journals (Sweden)

    Ljiljana Kontic

    2012-06-01

    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.

  9. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  10. Elements of banking intermediation in the Algerian Banking system and the means to activate it

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

    Banking intermediation raises several interrelated issues for banks, the central bank and the Treasury. It is linked to the gross domestic product, money supply and bank liquidity, etc. These elements will be examined in this article to learn the elements of bank intermediation in the Algerian banking system and ways of strengthening it.

  11. 5 CFR 630.1003 - Establishing leave banks and leave bank boards.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Establishing leave banks and leave bank... REGULATIONS ABSENCE AND LEAVE Voluntary Leave Bank Program § 630.1003 Establishing leave banks and leave bank boards. (a) Each agency that participates in the voluntary leave bank program shall, in accordance...

  12. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 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 AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management §...

  13. Factors Affecting Intentions to Use Banking Services in Yemen

    Directory of Open Access Journals (Sweden)

    KHALED AL - QASA

    2013-12-01

    Full Text Available The issue of attracting customers’ usage of banking services has been solved in developed countries, as well as in some Middle East countries. However, in Yemen, it is still unpredictable, where most of people do not use bank services to facilitate their financial needs. Therefore, it has caused a real problem in the Yemeni economy. Consequently, this research targets to close the gap by investigating the factors influencing Yemeni's consumers who possibly differ from consumers in the developed countries in terms of their psychological, cultural and behavior tosystem. Data were collected through questionnaires collected from university students and analyzed by SPSS version 17. Proposed hypotheses were statistically tested by means of factor analysis, correlation and regression analysis. This study came out with rich results and highlighted that the relationship between, service quality, banking Legal framework, bank advertisement are significant and positive on behavioral intention except cultural belief where it was significant but played a negative role in using the banking system in Yemen.

  14. Memory loss

    Science.gov (United States)

    A person with memory loss needs a lot of support. It helps to show the person familiar objects, music, or and photos or play familiar music. Write down when the person should take any medicine or do other ...

  15. Causes of banking crises revisited

    NARCIS (Netherlands)

    Klomp, J.G.

    2010-01-01

    We examine to what extent there exists heterogeneity in the causes of a banking crisis. For this purpose, we use a random coefficient logit model including 110 countries between 1970 and 2007. We conclude that there exists significant heterogeneity in the causes of a banking crisis. We find that a h

  16. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters

  17. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters an

  18. The American Indian Development Bank?

    Science.gov (United States)

    Pottinger, Richard

    1992-01-01

    In 1990, the Indian Finance Corporation Act died in committee for lack of Indian support. A model for an American Indian Development Bank is proposed, based on the International Finance Corporation of the World Bank. Two case studies illustrate how this model can meet Indian economic development needs. (SV)

  19. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

    Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.

  20. Size, productivity, and international banking

    NARCIS (Netherlands)

    Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael

    2011-01-01

    Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode

  1. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R Kent; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data deposi

  2. Croatian bank investments in securities

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-12-01

    Full Text Available In this paper the author presents the basic characteristics of debt securities and shares and analyses the amount, structure and characteristics of the securities portfolio in Croatian banks in period from 1993 to 2004. The analysis shows that in the entire analyzed period Republic of Croatia together with state funds and other public institutions was the main issuer of securities that banks have in their portfolios. The securities issued by banks and companies represent only a marginal part of banks’ portfolios but it is also true that banks have strongly supported the privatization process of state owned companies by providing credit for purchasing of shares and later on swapping their credit claims for shares. In this way banks acquired a significant portfolio of shares that they later sold on the open market. Data about the significant reduction of securities portfolio in the banking assets structure, from 46.1% in 1993 to only 10.6% in 2004, is indicative of a low level of trading in securities. This means that in the following years, central and local government should secure the necessary funds more by issuing securities than by credit, especially not by taking credit from abroad. Furthermore, in order to spread business with securities, banks should also substitute a portion of their credit portfolio with short and long term securities. In this way, the investors would be able to use the benefits of investing in securities instead of investing their funds in bank deposits as they have done until now.

  3. MODELS OF BANKING RISKS MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Bente Corneliu Cristian

    2009-05-01

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

  4. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    2015-01-01

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management (redu

  5. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R Kent; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data

  6. Central bank independence and ageing

    OpenAIRE

    Farvaque, Etienne; Héricourt, Jérôme; Lagadec, Gaël

    2008-01-01

    We contrast the influence of demography and central bank independence on inflation. The recent demographic trends in developed countries are shown to weight more on inflation than central bank independence, while the contrary stands for the period from 1960 to 1979.

  7. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

    Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  8. Memory clinics

    OpenAIRE

    Jolley, D; Benbow, S M; Grizzell, M

    2006-01-01

    Memory clinics were first described in the 1980s. They have become accepted worldwide as useful vehicles for improving practice in the identification, investigation, and treatment of memory disorders, including dementia. They are provided in various settings, the setting determining clientele and practice. All aim to facilitate referral from GPs, other specialists, or by self referral, in the early stages of impairment, and to avoid the stigma associated with psychiatric services. They bring ...

  9. Blood, Soy Milk, and Vitality: The Wartime Origins of Blood Banking in China, 1943-45.

    Science.gov (United States)

    Soon, Wayne

    2016-01-01

    This article examines the multiple meanings of blood transfusion and banking in modern China through the history of the first Chinese blood bank, established by the Overseas Chinese in 1943 to solicit blood for the war effort. Through investigating the attitudes of Chinese soldiers and civilians toward the blood bank, this article argues for the multiplicity of motivations underpinning society's attitudes toward blood banking and donation. Cultural notions of blood were an important but not the sole factor in their consideration. Ideas of nationalism and altruism played a role too. What eventually turned out to be most effective for most donors was the promise of eggs and soy milk for blood. Its economic value in the context of wartime scarcity was enough for many to abandon opposition to blood banking. By drawing attention to socioeconomic concerns in biomedical practices, this article provides an alternative examination of blood banking in modern societies.

  10. Pierre Verger and the construction of african-brazilian’s cultural memory in O Cruzeiro: textual meanings through borders Pierre Verger e a construção da memória cultural afro-brasileira em O Cruzeiro: sentidos textuais através das fronteiras

    Directory of Open Access Journals (Sweden)

    Beatriz Marocco

    2010-03-01

    Full Text Available Based on the concepts of border, culture and memory postulated by Yuri Lotman, this paper aims to analyze Pierre Verger photos in the article titled “Capoeira mata um!”, published on O Cruzeiro magazine. The purpose is to understand the connection of meanings on semiotic boundaries mechanisms in relation to Afro Brazilian culture and memory text constructions in order to contribute to media communication studies. A partir dos conceitos de fronteira, cultura e memória postulados por Yuri Lotman, o objetivo deste artigo é analisar as fotografias de Pierre Verger na matéria “Capoeira mata um!” da revista O Cruzeiro (1948, no intuito de entender a articulação de sentidos nos mecanismos de fronteiras semióticas para a construção de textos da cultura e da memória afrobrasileira, e contribuir para os estudos da Comunicação midiática.

  11. Asian Banks: Leading the Way to Recovery

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    @@ The global financial crisis has rocked the American and European Union banking system leaving many Western banks teetering on the verge of bankruptcy.But in the East,Asian banks have fared well so far.

  12. Indian Banking Industry: Challenges and Opportunities

    National Research Council Canada - National Science Library

    Dr. Krishna A. Goyal; Vijay Joshi

    2012-01-01

    The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks...

  13. CHALLENGES FACED BY INDIAN BANKING INDUSTRY

    National Research Council Canada - National Science Library

    Mohit Bindlish; Pooja

    2013-01-01

      The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks...

  14. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

    Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.

  15. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  16. Feminist Fiction and the Uses of Memory.

    Science.gov (United States)

    Greene, Gayle

    1991-01-01

    This essay concerns feminist fiction by Doris Lessing, Margaret Drabble, Margaret Atwood, Margaret Laurence, and Toni Morrison that utilizes memory as a means to liberation and explores this at the level of narrative form. In examining 1970s feminist fiction and metafiction, explores the importance of memory at particular cultural moments. (AF)

  17. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    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...

  18. Banking Software Applications Security

    Directory of Open Access Journals (Sweden)

    Ioan Alexandru Bubu

    2015-03-01

    Full Text Available Computer software products are among the most complex artifacts, if not the most complex artifacts mankind has created. Securing those artifacts against intelligent attackers who try to exploit flaws in software design and construct is a great challenge too.The purpose of this paper is to introduce a secure alternative to banking software applications that are currently in use. This new application aims to cover most of the well-known vulnerabilities that plague the majority of current software.First we will take a quick look at current security methods that are in use, and a few known vulnerabilities. After this, we will discuss the security measures implemented in my application, and finally, we will the results of implementing them.

  19. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...... important financial institution. Resolution through such a structure would minimize run risk from short term creditors and minimize destructive ring-fencing by national regulators. Although structural reform in the EU could be achieved by supervisory implementation of the “living wills” requirement...

  20. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...... important financial institution. Resolution through such a structure would minimize run risk from short term creditors and minimize destructive ring-fencing by national regulators. Although structural reform in the EU could be achieved by supervisory implementation of the “living wills” requirement...

  1. Impact of shadow banks on financial contagion

    OpenAIRE

    Yoshiharu Maeno; Kenji Nishiguchi; Satoshi Morinaga; Hirokazu Matsushima

    2014-01-01

    An asset network systemic risk (ANWSER) model is presented to investigate the impact of how shadow banks are intermingled in a financial system on the severity of financial contagion. Particularly, the focus of this study is the impact of the following three representative topologies of an interbank loan network between shadow banks and regulated banks. (1) Random mixing network: shadow banks and regulated banks are intermingled randomly. (2) Asset-correlated mixing network: banks having bigg...

  2. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

    Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...

  3. Korean Culture and Transformation of National Identity

    OpenAIRE

    Park, Eunjung

    2014-01-01

    This thesis investigates how the Korean national identity has been constructed in Korean culture-related texts aimed at two different groups, overseas Koreans and foreigners, by comparing Korean culture-related texts published especially after 2000s. It mainly demonstrates the interrelation between the Korean government's overseas Korean/foreigner policy and the collective/social/cultural memory building in culture-related texts. It shows that collective/social/cultural memory has been ap...

  4. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

    Full Text Available This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank’s performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks’ liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank’s performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank’s performance is mainly determined by 7 determinants: liquidity ratio, size of banks, logarithm of the total assets squared, external funding to total liabilities, share of own bank’s capital of the bank’s total assets, foreign direct investments, unemployment rate and the realization of the financial crisis variable. Banks’ performance depends positively on size of banks, on foreign direct investments and on the realization of the financial crisis and negatively on external funding to total liabilities, on share of own bank’s capital of the bank’s total assets and on unemployment rate while the dependence between bank performance and liquidity ratios and bank performance and logarithm of the total assets squared depend on the model used.

  5. An investigation on factors influencing electronic banking adoption in private banks versus public banks

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

    Full Text Available The movement of industrial societies towards implementation of information technology has begun and it has gained moment since early 90th and presently the speed of this movement is well obvious in less developed countries, including Iran. Internet Banking is one of the most tangible trends in today’s electronic commerce. It has direct relationship with the perception of the service qualities not only because of unique absorption of the internet, but also because of e-commerce, acceptance of internet services of banks 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; Eqtesade Novin and Sepah using Technology Acceptance Model (TAM. Correlation test reveals that there was a positive and significant relationship between clients of private and public bank on five factors associated with TAM. In addition, structural equation method was used for investigation of relationships in offered model. In conclusion, all primary and secondary hypotheses for clients of private and public bank were confirmed.

  6. The Great War and German Memory

    DEFF Research Database (Denmark)

    Leese, Peter

    2012-01-01

    Review essay on Jason Crouthamel, The Great War and German Memory. Society, Politics and Psychological Trauma, 1914-18 (2009) and Anton Kaes, Shell Shock Cinema: Weimar Culture and the Wounds of War (2009)......Review essay on Jason Crouthamel, The Great War and German Memory. Society, Politics and Psychological Trauma, 1914-18 (2009) and Anton Kaes, Shell Shock Cinema: Weimar Culture and the Wounds of War (2009)...

  7. Intermedial Strategies of Memory in Contemporary Novels

    DEFF Research Database (Denmark)

    Tanderup, Sara

    2014-01-01

    , and Judd Morrissey and drawing on the theoretical perspectives of N. Katherine Hayles (media studies) and Andreas Huyssen (cultural memory studies), Tanderup argues that recent intermedial novels reflect a certain nostalgia celebrating and remembering the book as a visual and material object in the age...... of digital media while also highlighting the influence of new media on our cultural understanding and representation of memory and the past....

  8. Current trends of banking innovations

    Directory of Open Access Journals (Sweden)

    A.M. Karminskiy

    2013-06-01

    Full Text Available The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the development of new banking products, services and technologies in the Russian market is mainly based on international practice. Noteworthy is the fact that Russian banks take over not only the successful practice of new product lines, but also information technology as well as key methodological aspects of bank management and the technological aspects related the business processes.The results of the analysis. Innovative policy in the credit institution must not take place spontaneously. The positive effect of innovation can be achieved only if there is the possibility of managing the innovation process, which is not possible without a clearly highlighted definition and characteristics of banking innovation, which at least would allow distinguishing of innovation and modification. The paper describes the main aspects of the morphology of banking innovation with the detailed classification depended on the variety of attributes from its origin to the direction of action and highlights the major trends of current banking innovation, such as:development of information and cyber technology (and hence the possibility of the emergence of computational complexity and risk prediction models, the development of information security tools,etc.;implementation of customer-oriented model as the best practice;optimization of its own business processes.The article shows a number of real examples of each kind of banking innovation including the innovations in the non

  9. World Bank Group Archives Access to Memory Implementation ...

    African Journals Online (AJOL)

    integration with established WBG systems and the collaboration across ..... Figure 4: Final architecture used for the WBG Archives AtoM platform implementation. In contrast with the .... the versions of your operating system and basic libraries in.

  10. Cultural Resurrection

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    "Who are we?Where are we from?"Humans have been pondering these questions since the day they first came into being.One of the ways we preserve memories of the past is through our cul- tural heritage that has been passed on from generation to genera- tion.Intangible cultural heritage,as well as tangible cultural her- itage,is essential to the continuity of human civilization. Since the United Nations Educational,Scientific and Cultural Organization(UNESCO)unveiled the Masterpieces of the Oral and Intangible Heritage of Humanity in 2001,China has had Kunqu opera,Guqin and its music,the art of Uygur Muqam of Xinjiang and the traditional Mongolian folk song Long Song added to UNESCO’s protection list.It is now one of the coun-

  11. Embedded Memory Hierarchy Exploration Based on Magnetic Random Access Memory

    Directory of Open Access Journals (Sweden)

    Luís Vitório Cargnini

    2014-08-01

    Full Text Available Static random access memory (SRAM is the most commonly employed semiconductor in the design of on-chip processor memory. However, it is unlikely that the SRAM technology will have a cell size that will continue to scale below 45 nm, due to the leakage current that is caused by the quantum tunneling effect. Magnetic random access memory (MRAM is a candidate technology to replace SRAM, assuming appropriate dimensioning given an operating threshold voltage. The write current of spin transfer torque (STT-MRAM is a known limitation; however, this has been recently mitigated by leveraging perpendicular magnetic tunneling junctions. In this article, we present a comprehensive comparison of spin transfer torque-MRAM (STT-MRAM and SRAM cache set banks. The non-volatility of STT-MRAM allows the definition of new instant on/off policies and leakage current optimizations. Through our experiments, we demonstrate that STT-MRAM is a candidate for the memory hierarchy of embedded systems, due to the higher densities and reduced leakage of MRAM.We demonstrate that adopting STT-MRAM in L1 and L2 caches mitigates the impact of higher write latencies and increased current draw due to the use of MRAM. With the correct system-on-chip (SoC design, we believe that STT-MRAM is a viable alternative to SRAM, which minimizes leakage current and the total power consumed by the SoC.

  12. Kif Tebbi, the colonial archive, between sedimentation and connective memory

    Directory of Open Access Journals (Sweden)

    Gabriele Proglio

    2016-03-01

    Full Text Available This essay analyzes Kif Tebbi, a colonial novel by Luciano Zuccoli, in theoretical and interpretative perspective of the colonial archive. The aim is to problematize and deconstruct the colonial discourse of this writing from the cultural memories' point of view. In particular, the article will discuss two different forms of memory: the sedimentation and connective memory.

  13. Religion as memory: How has the continuity of tradition produced ...

    African Journals Online (AJOL)

    2015-06-05

    Jun 5, 2015 ... theory, in the postmodern world the continuity of religious memory has been broken and all ... at showing, firstly, in what sense religion can be conceived of as memory ... tradition has produced collective meanings for a number of cultures ... memory in both pre- and postmodern societies, as captured and ...

  14. Navigating the Impact of Globalization on Bank Efficiency in China%Navigating the Impact of Globalization on Bank Efficiency in China

    Institute of Scientific and Technical Information of China (English)

    Fadzlan Sufian; Muzafar Shah Habibullah

    2011-01-01

    The paper provides for the first time empirical evidence on the impact of economic globalization on bank efficiency in a developing economy. Using the data envelopment analysis method, we compute the efficiency of the Chinese banking sector during 2000- 2002 The empirical findings suggest that the inefficiency of the Chinese banking sector stems largely from scale rather than pure technical inefficiencies. Examining different components of economic globalization, we find that greater economic integration through higher trade flows, cultural proximity and political globalization have significant andpositive influence on bank efficiency levels. The empirical findings suggest that liberalization (restrictions) of the capital account exerts a negative (positive) influence on bank efficiency levels in China.

  15. A new Variable Resolution Associative Memory for High Energy Physics

    CERN Document Server

    Annovi, A; The ATLAS collaboration; Beretta, M; Bossini, E; Crescioli, F; Dell'Orso, M; Giannetti, P; Hoff, J; Liberali, V; Liu, T; Magalotti, D; Piendibene, M; Sacco, A; Schoening, A; Soltveit, H K; Stabile, A; Tripiccione, R; Vitillo, R; Volpi, G

    2011-01-01

    We describe an important advancement for the Associative Memory device (AM). The AM is a VLSI processor for pattern recognition based on Content Addressable Memory (CAM) architecture. The AM is optimized for on-line track finding in high-energy physics experiments. Pattern matching is carried out finding track candidates in coarse resolution “roads”. A large AM bank stores all trajectories of interest, called “patterns”, for a given detector resolution. The AM extracts roads compatible with a given event during detector read-out. Two important variables characterize the quality of the AM bank: its “coverage” and the level of “found fakes”. The coverage, which describes the geometric efficiency of a bank, is defined as the fraction of tracks that match at least a pattern in the bank. Given a certain road size, the coverage of the bank can be increased just adding patterns to the bank, while the number of found fakes unfortunately is roughly proportional to this number of patterns in the bank. M...

  16. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

    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.

  17. Comparison of Islamic Banks with Conventional Banks: Evidence from an Emerging Market

    Directory of Open Access Journals (Sweden)

    Ameenullah Aman

    2016-03-01

    Full Text Available This paper evaluates and compares the performance of Sharia-compliant banks with their conventional counterparts operating in Pakistan. Data of five full-fledged Islamic Banks(IBs and fifteen Conventional Banks (CBs, all from Pakistan, have been used for the study. Study period comprises of six years from year 2008 to year 2013. Bank's orientation, efficiency, quality of assets and stability are the measures used to compare the performance of Shariah-compliant and conventional banks. The Islamic Banks in Pakistan are younger in age and smaller in size compared to the Conventional Banks. Based on the financial ratios of two types of banks, we find that the business model of Islamic Banks is inferior to the model of Conventional Banks. Islamic Banks are less cost efficient than Conventional Banks. However, Islamic Banks have superior asset quality with better bank stability position.

  18. Memory consolidation.

    Science.gov (United States)

    Squire, Larry R; Genzel, Lisa; Wixted, John T; Morris, Richard G

    2015-08-03

    Conscious memory for a new experience is initially dependent on information stored in both the hippocampus and neocortex. Systems consolidation is the process by which the hippocampus guides the reorganization of the information stored in the neocortex such that it eventually becomes independent of the hippocampus. Early evidence for systems consolidation was provided by studies of retrograde amnesia, which found that damage to the hippocampus-impaired memories formed in the recent past, but typically spared memories formed in the more remote past. Systems consolidation has been found to occur for both episodic and semantic memories and for both spatial and nonspatial memories, although empirical inconsistencies and theoretical disagreements remain about these issues. Recent work has begun to characterize the neural mechanisms that underlie the dialogue between the hippocampus and neocortex (e.g., "neural replay," which occurs during sharp wave ripple activity). New work has also identified variables, such as the amount of preexisting knowledge, that affect the rate of consolidation. The increasing use of molecular genetic tools (e.g., optogenetics) can be expected to further improve understanding of the neural mechanisms underlying consolidation. Copyright © 2015 Cold Spring Harbor Laboratory Press; all rights reserved.

  19. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  20. Is external memory memory? Biological memory and extended mind.

    Science.gov (United States)

    Michaelian, Kourken

    2012-09-01

    Clark and Chalmers (1998) claim that an external resource satisfying the following criteria counts as a memory: (1) the agent has constant access to the resource; (2) the information in the resource is directly available; (3) retrieved information is automatically endorsed; (4) information is stored as a consequence of past endorsement. Research on forgetting and metamemory shows that most of these criteria are not satisfied by biological memory, so they are inadequate. More psychologically realistic criteria generate a similar classification of standard putative external memories, but the criteria still do not capture the function of memory. An adequate account of memory function, compatible with its evolution and its roles in prospection and imagination, suggests that external memory performs a function not performed by biological memory systems. External memory is thus not memory. This has implications for: extended mind theorizing, ecological validity of memory research, the causal theory of memory.