WorldWideScience

Sample records for environmental services credits

  1. Public Service? Tax Credits?

    Science.gov (United States)

    Shanker, Albert

    1982-01-01

    Acknowledges the good work of private schools but resists the provision of further direct or indirect government aid to these schools. Argues that tax credits will adversely affect public education and American society. (Author/WD)

  2. Service quality in consumer's credit branch

    OpenAIRE

    Blechová, Věra

    2008-01-01

    The diploma thesis deals with consumer's credit grants of banking and non-banking corporations and comparison of their service quality. The first part of research is dedicated to consumer's knowledge of credit issues. Second describes main difficulties of consumer's credit grants of banking and non-banking corporations and proves their use of unfair manners. The final part of thesis propose improvements, which will boost consumer's protection on field of consumer's credits.

  3. 12 CFR 614.4356 - Farm Credit Leasing Services Corporation.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Leasing Services Corporation. 614... OPERATIONS Lending and Leasing Limits § 614.4356 Farm Credit Leasing Services Corporation. The Farm Credit Leasing Services Corporation may enter into a lease agreement with a lessee if the consolidated amount of...

  4. CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    V. E. Gladkova

    2011-01-01

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

  5. Optimal advanced credit releases in ecosystem service markets.

    Science.gov (United States)

    BenDor, Todd K; Guo, Tianshu; Yates, Andrew J

    2014-03-01

    Ecosystem service markets are popular policy tools for ecosystem protection. Advanced credit releases are an important factor affecting the supply side of ecosystem markets. Under an advanced credit release policy, regulators give ecosystem suppliers a fraction of the total ecosystem credits generated by a restoration project before it is verified that the project actually achieves the required ecological thresholds. In spite of their prominent role in ecosystem markets, there is virtually no regulatory or research literature on the proper design of advanced credit release policies. Using U.S. aquatic ecosystem markets as an example, we develop a principal-agent model of the behavior of regulators and wetland/stream mitigation bankers to determine and explore the optimal degree of advance credit release. The model highlights the tension between regulators' desire to induce market participation, while at the same time ensuring that bankers successfully complete ecological restoration. Our findings suggest several simple guidelines for strengthening advanced credit release policy.

  6. Assessment of women savings and credit cooperative services in ...

    African Journals Online (AJOL)

    Assessment of women savings and credit cooperative services in Zuway Dugda District, south east Ethiopia. ... Journal of Business and Administrative Studies ... and to the improvement of decision making power of members at family level.

  7. Value of big data to finance: observations on an internet credit Service Company in China

    OpenAIRE

    Zhang, Shaofeng; Xiong, Wei; Ni, Wancheng; Li, Xin

    2015-01-01

    Background: his paper presents a case study on 100Credit, an Internet credit service provider in China. 100Credit began as an IT company specializing in e-commerce recommendation before getting into the credit rating business. The company makes use of Big Data on multiple aspects of individuals' online activities to infer their potential credit risk. Methods: Based on 100Credit's business practices, this paper summarizes four aspects related to the value of Big Data in Internet credit service...

  8. Studi Kasus Implementasi Service Oriented Architecture (SOA di Credit Suisse

    Directory of Open Access Journals (Sweden)

    Sartika Kurniali

    2013-12-01

    Full Text Available Credit Suisse Group (CSG is a leading company engaged in global financial services. At the end of 90s IT infrastructure complexity of Credit Suisse has reached a critical situation. The existing IT infrastructure is nolonger able to support the required business functionality. This leads to the introduction of an integrated architecture based on Service-Oriented Architecture (SOA. The purpose of this study is to learn how Credit Suisse successfully implements SOA both on a technical and organizational level. Analyses were performed by processing factual and reference data acquired. From the research, the successful implementation is due to clarity of interface, clarity of process, management commitment, and solid technology. Their success does not come easily since they also face obstacles and conflicts on the implementation.

  9. 5 CFR 847.605 - Methodology for determining the present value of annuity with service credit.

    Science.gov (United States)

    2010-01-01

    ... Retroactive Provisions § 847.605 Methodology for determining the present value of annuity with service credit. (a) OPM will determine the present value of the annuity including service credit for NAFI service..., the present value under paragraph (a) of this section equals the monthly annuity rate including credit...

  10. 18 CFR 367.4114 - Account 411.4, Investment tax credit adjustments, service company property.

    Science.gov (United States)

    2010-04-01

    ..., Investment tax credit adjustments, service company property. 367.4114 Section 367.4114 Conservation of Power... Operating Income § 367.4114 Account 411.4, Investment tax credit adjustments, service company property. This account must include the amount of those investment tax credit adjustments that relate to service company...

  11. 29 CFR 2530.200b-3 - Determination of service to be credited to employees.

    Science.gov (United States)

    2010-07-01

    ... the crediting of no less than the actual number of hours of service required to be credited under... example, a classification applied so that any employee credited with less than 1,000 hours of service... under this section. (d) Equivalencies based on working time—(1) Hours worked. A plan may determine...

  12. 5 CFR 847.606 - Methodology for determining the present value of annuity without service credit-credit not needed...

    Science.gov (United States)

    2010-01-01

    ..., OPM will determine the present value of the annuity without credit for the NAFI service under... service as of the date of computation under § 847.603 times the present value factor for the retiree's age on that date. (c) In cases in which the annuity is payable to a survivor, the present value under...

  13. 31 CFR 29.311 - Credit only for service performed on or before June 30, 1997.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Credit only for service performed on or before June 30, 1997. 29.311 Section 29.311 Money and Finance: Treasury Office of the Secretary of... Benefits General Principles for Determining Service Credit to Calculate Federal Benefit Payments § 29.311...

  14. 78 FR 28631 - Experian, Experian Healthcare (Medical Present Value (MPV)-Credit Services and Decision Analytics...

    Science.gov (United States)

    2013-05-15

    ...), Experian, Experian U.S. Headquarters: Corporate Departments (finance, HRMD, Contracts, Corporate Marketing...: Corporate Departments (finance, HRMD, Contracts, Corporate Marketing, Global Corporate Systems, Legal..., Business Information Services, Corporate Marketing, Credit Services, Data Management, Decision Analytics...

  15. A user credit assessment model based on clustering ensemble for broadband network new media service supervision

    Science.gov (United States)

    Liu, Fang; Cao, San-xing; Lu, Rui

    2012-04-01

    This paper proposes a user credit assessment model based on clustering ensemble aiming to solve the problem that users illegally spread pirated and pornographic media contents within the user self-service oriented broadband network new media platforms. Its idea is to do the new media user credit assessment by establishing indices system based on user credit behaviors, and the illegal users could be found according to the credit assessment results, thus to curb the bad videos and audios transmitted on the network. The user credit assessment model based on clustering ensemble proposed by this paper which integrates the advantages that swarm intelligence clustering is suitable for user credit behavior analysis and K-means clustering could eliminate the scattered users existed in the result of swarm intelligence clustering, thus to realize all the users' credit classification automatically. The model's effective verification experiments are accomplished which are based on standard credit application dataset in UCI machine learning repository, and the statistical results of a comparative experiment with a single model of swarm intelligence clustering indicates this clustering ensemble model has a stronger creditworthiness distinguishing ability, especially in the aspect of predicting to find user clusters with the best credit and worst credit, which will facilitate the operators to take incentive measures or punitive measures accurately. Besides, compared with the experimental results of Logistic regression based model under the same conditions, this clustering ensemble model is robustness and has better prediction accuracy.

  16. Institutional And Non-Institutional Credit Supply Services To Fisher ...

    African Journals Online (AJOL)

    Women in the study area prefer the informal, non institutional credit sources than the formal, institutional source as the poor fisher-folk require collateral for this which in most cases was not available. From the study, adequate finance with more relax conditions will go a long way in alleviating poverty and improving ...

  17. Gallery forest restoration by the attainment of carbon credit: a social-environmental proposal for low-income community

    International Nuclear Information System (INIS)

    Coelho, Maria Carolina Crisci

    2007-01-01

    Due to intensification in climate changes by anthropogenic causes, to the recognition of the environmental importance of the Gallery Forest and its intense degradation, this work presents an analysis of the possibilities of carbon credit attainment by low-income community, as part of an incentive program for the restoration of these areas. Two ways are demonstrated: projects of Clean Development Mechanism (CDM), in the scope of the Kyoto Protocol, that generate credits called certified emission reductions; and projects based on voluntary scheme, that generate voluntary emission reductions. Both are difficult to organize and implement. For example: the eligibility of an area, baseline study, monitoring, non-permanence risks of storage carbon, technical and operational structures, operational and business costs, regulated market in consolidation and guarantee of credit acquisition. Nevertheless, this second market presents greater flexibility and acceptance for the forest projects. The social-environmental benefits of these projects are significant and the valuation of their environmental services can revert in financial incentives for low-income community, since that adequately remunerated. The carbon credit can help in the implementation of these projects, contributing for local restoration of the areas and also for carbon capture by the atmosphere, which this is a global subject. (author)

  18. Giving credit where credit is due: increasing landowner compensation for ecosystem services

    Science.gov (United States)

    Gina L. LaRocco; Robert L. Deal

    2011-01-01

    Conservation of biodiversity serves a number of human needs, including maintenance of ecosystem services that are critical to the sustainability of all life. Effective biodiversity conservation will require better landowner incentives for restoration and protection of ecosystems. Many services produced from healthy, functioning landscapes are not well recognized in...

  19. 20 CFR 210.5 - Creditability of service.

    Science.gov (United States)

    2010-04-01

    ... total years of service equal, but not exceed, 30 years (360 months). (2) An employee is considered to... totals less than 30 years (360 months), then the service before January 1, 1937, is included but only up...) Service performed outside the United States by an employee who is not a citizen or resident of the United...

  20. 5 CFR 847.905 - How is the present value of an immediate annuity with credit for NAFI service computed?

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false How is the present value of an immediate....905 How is the present value of an immediate annuity with credit for NAFI service computed? (a) OPM will determine the present value of the immediate annuity including service credit for NAFI service by...

  1. Volunteering for College? Potential Implications of Financial Aid Tax Credits Rewarding Community Service

    Science.gov (United States)

    Wells, Ryan S.; Lynch, Cassie M.

    2014-01-01

    President Obama has proposed a financial aid policy whereby students who complete 100 hours of community service would receive a tax credit of US$4,000 for college. After lawmakers cut this proposal from previous legislation, the administration was tasked with studying the feasibility of implementation. However, the implications of the policy for…

  2. THE IMPACT OF BANKING SERVICES QUALITY ON CREDIT INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Dinculescu Elena-Silvia

    2011-09-01

    Full Text Available Taking into account the increasing competition between commercial Romanian banks, there is a real problem to come up with new clients or to preserve the old ones. Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition imposement. Banks being aware of the quality problems also lead to the appearance and requirement of some area working standards. Standards imposing and issuing together with the performance measure system are to be the main elements of a quality programme. The general aim of this study is to offer a practical perspective on the quality of services in order to reinforce certain concepts such as: typology (technical quality versus functional quality, the dimensions and the evaluation of quality. By analyzing the dimensions of quality, the measurement modalities and their improvement, the present research offers instruments for understanding the significance of this „irreproachable service”.

  3. Laboratory Support Services for Environmental Testing

    National Research Council Canada - National Science Library

    1997-01-01

    ...) were effectively managing their contracts for environmental test services and whether DoD organizations were effectively performing quality assurance procedures on environmental test results received...

  4. Research on Credit Evaluation of Mobile Medical APP Interactive Online Consultation Service-Take Haodaifu APP Online Payment Service as an Example

    Science.gov (United States)

    Xiong, Dandan; Zhao, Lei

    2017-10-01

    Mobile medical industry is developing rapidly, but the relevant credit evaluation system is still in the exploratory stage. Haodaifu in the interactive online consulting services more representatives and has a credit evaluation system, but the system is not perfect. There are many problems in the system, such as credits indicators cannot better reflect the results of user’s evaluation, the lack of user qualification supervision, evaluation index system and assessment channels are not perfect. On the basis of drawing on the advantages of E-commerce evaluation system and combining with the characteristics of mobile medical itself, two suggestions are put forward: Improve the credit evaluation model (Generate physician static credit index, Change the doctor 's dynamic credit index algorithm, Update the dynamic credit index), Improve the basic mechanism of credit evaluation.

  5. The Public-Service Tax Credit: A Proposed Solution to the Problems of Off-Air Videotaping.

    Science.gov (United States)

    Troost, F. William

    1982-01-01

    Proposes a public-service tax credit that would allow copyright owners of any television program broadcast on the public airwaves to claim a limited tax credit in exchange for school rights to copy programs and retain them indefinitely for face-to-face, nonprofit, instructional purposes. (Author/MLF)

  6. Internalizing Externalities through Payments for Environmental Services

    Directory of Open Access Journals (Sweden)

    Sudarsono Soedomo

    2012-08-01

    Full Text Available Forest ecosystems, including plantation forests, provide goods and services that are marketable and non-marketable. Positive externalities produced by forest ecosystems are rarely considered in pricing of marketable products that result in economic inefficiencies. Internalizing externalities is required to improve the economic efficiency. The traditional way to internalize an externality is by providing subsidies or imposing taxes. Recently, payments for environmental services  are receiving more attention as an instrument for internalizing externalities provided by forest ecosystems. This promising alternative to improve our environment needs to be studied more extensively. In this paper, it can be indicated theoretically that the Pigovian tax, as a traditional way of addressing environmental problems, is able to mimic the result derived from the employment of environmental services payment. The difference is that environmental services payment improves the welfare of environmental service producers, whereas the Pigovian tax reduces it. A positive Pigovian tax increases the optimal rotation, which is positively associated with environmental improvement, but certainly reduces forest owner's welfare. This difference should be taken into account in the public policymaking so that perverse incentive may be avoided. Payment for environmental services  as an additional income to forest growers, not as alternative source of income, is a potential tool to address simultaneously issues of environment and poverty that are frequently contested.Keywords: externalities, payments for environmental services, tax, perverse incentive, social welfare

  7. Web-Based Medical Service: Technology Attractiveness, Medical Creditability, Information Source, and Behavior Intention.

    Science.gov (United States)

    Wang, Shan Huei

    2017-08-02

    Web-based medical service (WBMS), a cooperative relationship between medical service and Internet technology, has been called one of the most innovative services of the 21st century. However, its business promotion and implementation in the medical industry have neither been expected nor executed. Few studies have explored this phenomenon from the viewpoint of inexperienced patients. The primary goal of this study was to explore whether technology attractiveness, medical creditability, and diversified medical information sources could increase users' behavior intention. This study explored the effectiveness of web-based medical service by using three situations to manipulate sources of medical information. A total of 150 questionnaires were collected from people who had never used WBMS before. Hierarchical regression was used to examine the mediation and moderated-mediation effects. Perceived ease of use (P=.002) and perceived usefulness (P=.001) significantly enhance behavior intentions. Medical credibility is a mediator (P=.03), but the relationship does not significantly differ under diverse manipulative information channels (P=.39). Medical credibility could explain the extra variation between technology attractiveness and behavior intention, but not significant under different moderating effect of medical information sources. ©Shan Huei Wang. Originally published in the Journal of Medical Internet Research (http://www.jmir.org), 02.08.2017.

  8. Mining Association Rules Between Credits in the Leadership in Energy and Environmental Design for New Construction (LEED-NC) Green Building Assessment System

    National Research Council Canada - National Science Library

    Thomas, Benjamin J

    2008-01-01

    .... Taking this vision into account, the individual credits that comprise LEED are designed to reward design teams for employing sustainable design strategies that reduce the total environmental impact...

  9. The Florida Ranchlands Environmental Services Project: Field Testing a Pay-for-Environmental-Services Program

    OpenAIRE

    Lynch, S.; Shabman, L.

    2007-01-01

    The Florida Ranchlands Environmental Services Project (FRESP) was recently launched, which will field test a program to complement the existing restoration programs such as the Lake Okeechobee Protection Plan (LOPP), which uses public funding to build treatment wetlands, drill aquifer storage, and capture rainwater (to delay its arrival downstream). FRESP will pay cattle ranchers to provide environmental services that will benefit the lake. PES-1 (Payments for Environmental Services Associ...

  10. 48 CFR 31.205-13 - Employee morale, health, welfare, food service, and dormitory costs and credits.

    Science.gov (United States)

    2010-10-01

    ... AND PROCEDURES Contracts With Commercial Organizations 31.205-13 Employee morale, health, welfare... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Employee morale, health, welfare, food service, and dormitory costs and credits. 31.205-13 Section 31.205-13 Federal Acquisition...

  11. Ecosystem Services in Environmental Science Literacy

    Science.gov (United States)

    Ruppert, John Robert

    2015-01-01

    Human beings depend on a set of benefits that emerge from functioning ecosystems, termed Ecosystem Services (ES), and make decisions in everyday life that affect these ES. Recent advancements in science have led to an increasingly sophisticated understanding of ES and how they can be used to inform environmental decision-making. Following suit, US…

  12. 5 CFR 315.906 - Crediting service toward completion of the probationary period.

    Science.gov (United States)

    2010-01-01

    ... period from which an employee was separated or demoted for performance or conduct reasons does not count... credited only when a detail to a supervisory or managerial position is made permanent without a break in...

  13. Experiences of community service environmental health practitioners

    Directory of Open Access Journals (Sweden)

    Anusha Karamchand

    2017-11-01

    Full Text Available Orientation: The community service initiative, a 1-year placement of health graduates, significantly improved human resource availability in the South African public health sector, even though the process was fraught with challenges. Although experiences in the curative health sector were assessed, the experiences of environmental health practitioners were yet to be studied. Research purpose: This study assessed the experiences of environmental health practitioners during their community service year. Motivation for the study: Anecdotal evidence suggested problems with the process. This study endeavoured to identify the challenges whilst taking cognisance of its effectiveness. Method: A total of n = 40 environmental health graduates from the Durban University of Technology who had concluded community service completed questionnaires in this crosssectional quantitative study. Descriptive statistics, means and standard deviations were used to analyse the data. Main findings: The timing of community service placements was critical as 58% of respondents had to repay study loans. The placement of married respondents (10% outside KwaZuluNatal, however, could have had impacts on family structures. Only 68% felt stimulated by their job functions, and there arose challenges with accommodation and overtime duties. Respondents felt that their tertiary education did equip them and that engagement with senior personnel helped in their professional development. Even though most of the review of the community service year appeared to be positive, a majority of respondents did not intend to continue working or recommending their workplaces. Future career pathing showed that 79% would prefer to be employed outside the public sector. Practical and managerial implications: The process needs to be reviewed to strengthen human resource management and enhance retention in the often overloaded and under-resourced South African public health sector. Contribution

  14. 12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

    Science.gov (United States)

    2010-01-01

    ... course of business of credit unions; and (4) Is structured as a corporation, limited liability company, or limited partnership under state law. (b) Investment and loan limitations. (1) The aggregate of all... in shares, stocks, or obligations of an insurance company, trade association, liquidity facility, or...

  15. Gallery forest restoration by the attainment of carbon credit: a social-environmental proposal for low-income community; Restauracao de mata ciliar pela viabilizacao de credito de carbono: uma proposta socio-ambiental para comunidade de baixa renda

    Energy Technology Data Exchange (ETDEWEB)

    Coelho, Maria Carolina Crisci

    2007-07-01

    Due to intensification in climate changes by anthropogenic causes, to the recognition of the environmental importance of the Gallery Forest and its intense degradation, this work presents an analysis of the possibilities of carbon credit attainment by low-income community, as part of an incentive program for the restoration of these areas. Two ways are demonstrated: projects of Clean Development Mechanism (CDM), in the scope of the Kyoto Protocol, that generate credits called certified emission reductions; and projects based on voluntary scheme, that generate voluntary emission reductions. Both are difficult to organize and implement. For example: the eligibility of an area, baseline study, monitoring, non-permanence risks of storage carbon, technical and operational structures, operational and business costs, regulated market in consolidation and guarantee of credit acquisition. Nevertheless, this second market presents greater flexibility and acceptance for the forest projects. The social-environmental benefits of these projects are significant and the valuation of their environmental services can revert in financial incentives for low-income community, since that adequately remunerated. The carbon credit can help in the implementation of these projects, contributing for local restoration of the areas and also for carbon capture by the atmosphere, which this is a global subject. (author)

  16. Environmental Models as a Service: Enabling Interoperability ...

    Science.gov (United States)

    Achieving interoperability in environmental modeling has evolved as software technology has progressed. The recent rise of cloud computing and proliferation of web services initiated a new stage for creating interoperable systems. Scientific programmers increasingly take advantage of streamlined deployment processes and affordable cloud access to move algorithms and data to the web for discoverability and consumption. In these deployments, environmental models can become available to end users through RESTful web services and consistent application program interfaces (APIs) that consume, manipulate, and store modeling data. RESTful modeling APIs also promote discoverability and guide usability through self-documentation. Embracing the RESTful paradigm allows models to be accessible via a web standard, and the resulting endpoints are platform- and implementation-agnostic while simultaneously presenting significant computational capabilities for spatial and temporal scaling. RESTful APIs present data in a simple verb-noun web request interface: the verb dictates how a resource is consumed using HTTP methods (e.g., GET, POST, and PUT) and the noun represents the URL reference of the resource on which the verb will act. The RESTful API can self-document in both the HTTP response and an interactive web page using the Open API standard. This lets models function as an interoperable service that promotes sharing, documentation, and discoverability. Here, we discuss the

  17. Modernization of credit relations

    Directory of Open Access Journals (Sweden)

    S.V. Volosovich

    2015-03-01

    Full Text Available Nowadays it is essential to modernize credit relations in the conditions of global economy transformations. This is due to the influence of integration processes on credit relations and transformation of the risks inherent in the credit field. The purpose of this article is to develop measures that help to improve the efficiency of interaction of credit relations’ participants. Modernization of credit relations is based on the interaction of its main and indirect subjects who belong to the subsystems of loans granting, deposits attraction and provision of related services. Its goal is to pass from extensive to intensive model of interaction between the subjects of credit relations. Components of the credit relations modernization are the following: institutional modernization, which is based on the interaction of credit relations’ subjects, and ensures the development of competition in all credit market’s segments, the creation of its corresponding infrastructure, qualitative change in the approaches of regulation and supervision; technological modernization, which involves the formation of joint products on the credit market and the formation of an integrated informational and analytical system. In the result of the credit relations’ modernization it is expected to achieve synergies between the subjects of credit relations, that will lead to changes in the business architecture of the financial market.

  18. 78 FR 36134 - Limitations on Terms of Consumer Credit Extended to Service Members and Dependents

    Science.gov (United States)

    2013-06-17

    ... vigilant to eliminate continuing, evolving predatory lending practices targeting service members and their... predatory marketing practices, and other abuses identified by consumer protection advocates, including the...

  19. IMPROVING COMPETITIVE POWER PRODUCTS BY STRATEGIC ENVIRONMENTAL ANALYSIS: CASE STUDY CREDITS PRODUCTS’ EMPLOYEES OF BANK BPR

    Directory of Open Access Journals (Sweden)

    Kunto Ajibroto

    2017-09-01

    Full Text Available Strategic environment analysis is part of strategic planning component and is a process to always put the company in a strategic position, so that in its development will always be in a favorable position. By analyzing external factors and internal factors, it will be possible to find out the most appropriate strategy formulation for BPR Bhakti Daya Ekonomi in facing the increasingly fierce competition. The research method used is qualitative with data collection using interview and observation, while for data analysis using SWOT method which also use analysis of EFAS and IFAS. The results of this study indicate that the position of BPR Bhakti Daya Ekonomi for Credit Employees products is located in quadrant IV. In this quadrant the bank is in a position where its internal advantage is relatively more dominant than its weakness. However, in the face of the threat environment is relatively greater than the chances. This means that the bank has a relatively better internal capability to expand its business, especially by utilizing some of its internal strengths.

  20. Environmental Agents Service (EAS) Registry System of Records

    Data.gov (United States)

    Department of Veterans Affairs — The Environmental Agent Service (EAS) Registries is the information system encompassing the Ionizing Radiation Registry (IRR), the Agent Orange Registry (AOR), and...

  1. A service and value based approach to estimating environmental flows

    DEFF Research Database (Denmark)

    Korsgaard, Louise; Jensen, R.A.; Jønch-Clausen, Torkil

    2008-01-01

    at filling that gap by presenting a new environmental flows assessment approach that explicitly links environmental flows to (socio)-economic values by focusing on ecosystem services. This Service Provision Index (SPI) approach is a novel contribution to the existing field of environmental flows assessment...... of sustaining ecosystems but also a matter of supporting humankind/livelihoods. One reason for the marginalisation of environmental flows is the lack of operational methods to demonstrate the inherently multi-disciplinary link between environmental flows, ecosystem services and economic value. This paper aims...

  2. OCETA: services for environmental companies an technology developers

    Energy Technology Data Exchange (ETDEWEB)

    Buckley, A.; Ozdemir, B. [Ontario Centre for Environmental Technology Advancement, Toronto, ON (Canada)

    1995-12-31

    Services provided by OCETA (Ontario Centre for Environmental Technology Advancement) to Ontario-based developers of environmental technologies, were described. While OCETA is not a granting agency, it is prepared to provide seed funding, in combination with private and government funding for client projects, and is committed to sharing risks and rewards for successful commercialization. The agency is also in a position to provide technology services at agreed discounts and to maximize in-kind contributions in order to extend project funding. Other services that the agency is equipped to provide, are described. These include information services, technology demonstration and assessment, business services, funding identification and sourcing, marketing, partnerships, and export market development.

  3. CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

    OpenAIRE

    Turgay GECER

    2012-01-01

    Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...

  4. Trust and Credit

    DEFF Research Database (Denmark)

    Harste, Gorm

    The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...... of history from the present risk of modern systems back to early modernity, the Reformation and the high medieval Revolutions in law, organization and theology. It is not a history of economics, but a history of the conditions of some communication codes used in economic systems....

  5. 77 FR 51824 - Environmental and Related Services

    Science.gov (United States)

    2012-08-27

    ... . FOR FURTHER INFORMATION CONTACT: Project Leader Jennifer Powell (202- 205-3450 or [email protected] ) or Deputy Project Leader Joann Peterson (202-205-3032 or [email protected] ) for... related services, that, to the extent practicable: Estimates the size of the U.S. and global markets for...

  6. The Relationship between Environmental Moral Reasoning and Environmental Attitudes of Pre-Service Science Teachers

    Science.gov (United States)

    Tuncay, Busra; Yilmaz-Tuzun, Ozgul; Tuncer-Teksoz, Gaye

    2011-01-01

    The aim of the present study was to investigate the relationship between environmental moral reasoning patterns and environmental attitudes of 120 pre-service science teachers. Content analysis was carried out on participants' written statements regarding their concerns about the presented environmental problems and the statements were labeled as…

  7. Manual of plant producers and services in environmental protection. Database in the field of environmental protection

    International Nuclear Information System (INIS)

    Serve, C.

    1992-01-01

    On the basis of an enquiry, the Stuttgart Chamber of Industry and Commerce produced a database of the services offered by regional and supraregional companies in the field of environmental protection. The data are presented in this manual, classified as follows: noise protection systems; sanitation systems and services; other systems and services. (orig.) [de

  8. Book of Abstracts - Managing Forests to Promote Environmental Services

    DEFF Research Database (Denmark)

    This book includes the abstracts of the oral and poster presentation of the conference ‘Managing Forests to Promote Environmental Services’, 3-5 November 2015, Copenhagen. The conference is arranged by the Centre of Advanced Research on Environmental Services from Nordic Forest Ecosystems (CAR-ES...... forest management and environmental ecosystem services in a broader perspective, and overviews of ten years of CAR-ES integrated research on carbon sequestration, water protection, biodiversity, and soil quality in the Nordic – Baltic are presented. Frederiksberg, October 2015 Inge Stupak, Lars Högbom...... II), funded by Nordic Forest Research (SNS) 2011-2015. This is an open network that brings together Nordic and Baltic forest researchers in order to provide scientific knowledge on the impacts of forest management on major environmental services for decision making within the forestry sector...

  9. The Relationship between Environmental Moral Reasoning and Environmental Attitudes of Pre-Service Science Teachers

    OpenAIRE

    TUNCAY, Busra; YILMAZ-TUZUN, Ozgul; TUNCER-TEKSOZ, Gaye

    2011-01-01

    The aim of the present study was to investigate the relationship between environmental moral reasoning patterns and environmental attitudes of 120 pre-service science teachers. Content analysis was carried out on participants’ written statements regarding their concerns about the presented environmental problems and the statements were labeled as ecocentric, anthropocentric, and non-environmental according to their meanings. Then, descriptive and inferential analyses were conducted ...

  10. Society environmental economic benefits of swan-labelled workwear service

    DEFF Research Database (Denmark)

    Grüttner, Henrik; Dall, Ole; Thomsen, Henning

    2011-01-01

    This paper presents an environmental and socio-economic comparison of textile supply of workwear with and without the Nordic Swan labelling scheme. The study is part of a project for development of a methodology for the environmental and socio-economic comparison for product groups. The study...... is transferred into economic impacts demonstrating a substantial saving for the society when purchasing the eco-labelled service....

  11. PAYMENT FOR ECOSYSTEM SERVICE FOR CARBON CREDITS FROM ITALIAN OLIVE GROVES. SOME ISSUES REGARDING THE MODE OF PAYMENT

    Directory of Open Access Journals (Sweden)

    Silvia Coderoni

    2014-10-01

    Full Text Available In Italy, olive farming is one of the most interesting examples of carbon sink in agricultural soils. The olive agro-ecosystems can in fact ensure effective action in CO2 fixation encouraging the process of carbon storage on the organic matter of the soil. Starting from the assumption that a different and more “carbon oriented” management of Italian olive groves system could represent a promising way to increase the carbon stored in agricultural land, this paper explores the possibility to implement a Payment for Ecosystem Services (PES scheme to increase the provision of carbon sink by olive groves. The analysis focuses on the definition of the sealable ecosystem service, according to the actual policy framework and on the mode of payment that could be established. Results, suggest that an output-based payment, though more environmentally efficient, could not be enough to incentivise farmers to join the PES, as the payment per hectare might be lower using this approach.

  12. 76 FR 66872 - International Services Surveys: Amendments to the BE-150, Quarterly Survey of Cross-Border Credit...

    Science.gov (United States)

    2011-10-28

    ... Economic Analysis (BEA), U.S. Department of Commerce, would conduct the survey under the International... DEPARTMENT OF COMMERCE Bureau of Economic Analysis 15 CFR Part 801 [Docket No. 110817508-1529-01...-Border Credit, Debit, and Charge Card Transactions AGENCY: Bureau of Economic Analysis, Commerce. ACTION...

  13. The cloud services innovation platform- enabling service-based environmental modelling using infrastructure-as-a-service cloud computing

    Science.gov (United States)

    Service oriented architectures allow modelling engines to be hosted over the Internet abstracting physical hardware configuration and software deployments from model users. Many existing environmental models are deployed as desktop applications running on user's personal computers (PCs). Migration ...

  14. Influence of environmental health services on students' academic ...

    African Journals Online (AJOL)

    The study investigated the effect of environmental health services on students' academic performance in secondary schools in Brass Local Government Area of Bayelsa State. The study adopted the descriptive survey design. The sample for the study comprised a total of 245 students and 59 teachers, amounting to 304 ...

  15. Environmental Control Plan for the Industrial Hygiene Field Services Facility

    International Nuclear Information System (INIS)

    Donnelly, J.W.

    2000-01-01

    This environmental control plan is for the Hanford Site's Industrial Hygiene Field Services Facility, located in the 100-N Area. This facility is used for the maintenance and storage of respirators, respiratory equipment and testing, calibration and testing of industrial hygiene equipment, and asbestos fiber counting

  16. A resource oriented webs service for environmental modeling

    Science.gov (United States)

    Ferencik, Ioan

    2013-04-01

    Environmental modeling is a largely adopted practice in the study of natural phenomena. Environmental models can be difficult to build and use and thus sharing them within the community is an important aspect. The most common approach to share a model is to expose it as a web service. In practice the interaction with this web service is cumbersome due to lack of standardized contract and the complexity of the model being exposed. In this work we investigate the use of a resource oriented approach in exposing environmental models as web services. We view a model as a layered resource build atop the object concept from Object Oriented Programming, augmented with persistence capabilities provided by an embedded object database to keep track of its state and implementing the four basic principles of resource oriented architectures: addressability, statelessness, representation and uniform interface. For implementation we use exclusively open source software: Django framework, dyBase object oriented database and Python programming language. We developed a generic framework of resources structured into a hierarchy of types and consequently extended this typology with recurses specific to the domain of environmental modeling. To test our web service we used cURL, a robust command-line based web client.

  17. Governing Forest Ecosystem Services for Sustainable Environmental Governance: A Review

    Directory of Open Access Journals (Sweden)

    Shankar Adhikari

    2018-05-01

    Full Text Available Governing forest ecosystem services as a forest socio-ecological system is an evolving concept in the face of different environmental and social challenges. Therefore, different modes of ecosystem governance such as hierarchical, scientific–technical, and adaptive–collaborative governance have been developed. Although each form of governance offers important features, no one form on its own is sufficient to attain sustainable environmental governance (SEG. Thus, the blending of important features of each mode of governance could contribute to SEG, through a combination of both hierarchical and collaborative governance systems supported by scientifically and technically aided knowledge. This should be further reinforced by the broad engagement of stakeholders to ensure the improved well-being of both ecosystems and humans. Some form of governance and forest management measures, including sustainable forest management, forest certification, and payment for ecosystem services mechanisms, are also contributing to that end. While issues around commodification and putting a price on nature are still contested due to the complex relationship between different services, if these limitations are taken into account, the governance of forest ecosystem services will serve as a means of effective environmental governance and the sustainable management of forest resources. Therefore, forest ecosystem services governance has a promising future for SEG, provided limitations are tackled with due care in future governance endeavors.

  18. Portfolio Optimization for Multiple Group Credit Unions

    National Research Council Canada - National Science Library

    Willis, John

    1999-01-01

    ...) to diversify, credit unions now have the opportunity to market their services to specific employee groups or industries which can reduce the overall risk to the credit unions' health or solvency...

  19. 5 CFR 610.408 - Use of credit hours.

    Science.gov (United States)

    2010-01-01

    ... Flexible and Compressed Work Schedules § 610.408 Use of credit hours. Members of the Senior Executive Service (SES) may not accumulate credit hours under an alternative work schedule. Any credit hours...

  20. monetary policies and credit financing as factors in agricultural ...

    African Journals Online (AJOL)

    controls the supply of money. This assumes the ... input supply, marketing services and of course credit supply. Provision of ... credit in state, assess the impact of credit on agricultural ..... Inflation targeting be a framework for monetary policy.

  1. Permit trading and credit trading

    DEFF Research Database (Denmark)

    Boom, Jan-Tjeerd; R. Dijstra, Bouwe

    This paper compares emissions trading based on a cap on total emissions (permit trading) and on relative standards per unit of output (credit trading). Two types of market structure are considered: perfect competition and Cournot oligopoly. We find that output, abatement costs and the number...... of firms are higher under credit trading. Allowing trade between permit-trading and credit-trading sectors may increase in welfare. With perfect competition, permit trading always leads to higher welfare than credit trading. With imperfect competition, credit trading may outperform permit trading....... Environmental policy can lead to exit, but also to entry of firms. Entry and exit have a profound impact on the performance of the schemes, especially under imperfect competition. We find that it may be impossible to implement certain levels of total industry emissions. Under credit trading several levels...

  2. Global Patterns in the Implementation of Payments for Environmental Services.

    Directory of Open Access Journals (Sweden)

    Driss Ezzine-de-Blas

    Full Text Available Assessing global tendencies and impacts of conditional payments for environmental services (PES programs is challenging because of their heterogeneity, and scarcity of comparative studies. This meta-study systematizes 55 PES schemes worldwide in a quantitative database. Using categorical principal component analysis to highlight clustering patterns, we reconfirm frequently hypothesized differences between public and private PES schemes, but also identify diverging patterns between commercial and non-commercial private PES vis-à-vis their service focus, area size, and market orientation. When do these PES schemes likely achieve significant environmental additionality? Using binary logistical regression, we find additionality to be positively influenced by three theoretically recommended PES 'best design' features: spatial targeting, payment differentiation, and strong conditionality, alongside some contextual controls (activity paid for and implementation time elapsed. Our results thus stress the preeminence of customized design over operational characteristics when assessing what determines the outcomes of PES implementation.

  3. The Energy Burden and Environmental Impact of Health Services

    Science.gov (United States)

    Buettner, Petra G.; Canyon, Deon V.

    2012-01-01

    Objectives. We reviewed the English-language literature on the energy burden and environmental impact of health services. Methods. We searched all years of the PubMed, CINAHL, and ScienceDirect databases for publications reporting energy consumption, greenhouse gas emissions, or the environmental impact of health-related activities. We extracted and tabulated data to enable cross-comparisons among different activities and services; where possible, we calculated per patient or per event emissions. Results. We identified 38 relevant publications. Per patient or per event, health-related energy consumption and greenhouse gas emissions are quite modest; in the aggregate, however, they are considerable. In England and the United States, health-related emissions account for 3% and 8% of total national emissions, respectively. Conclusions. Although reducing health-related energy consumption and emissions alone will not resolve all of the problems of energy scarcity and climate change, it could make a meaningful contribution. PMID:23078475

  4. Is environmental sustainability a strategic priority for logistics service providers?

    Science.gov (United States)

    Evangelista, Pietro; Colicchia, Claudia; Creazza, Alessandro

    2017-08-01

    Despite an increasing number of third-party logistics service providers (3PLs) regard environmental sustainability as a key area of management, there is still great uncertainty on how 3PLs implement environmental strategies and on how they translate green efforts into practice. Through a multiple case study analysis, this paper explores the environmental strategies of a sample of medium-sized 3PLs operating in Italy and the UK, in terms of environmental organizational culture, initiatives, and influencing factors. Our analysis shows that, notwithstanding environmental sustainability is generally recognised as a strategic priority, a certain degree of diversity in the deployment of environmental strategies still exists. This paper is original since the extant literature on green strategies of 3PLs provides findings predominantly from a single country perspective and mainly investigates large/multinational organizations. It also provides indications to help managers of medium-sized 3PLs in positioning their business. This is particularly meaningful in the 3PL industry, where medium-sized organizations significantly contribute to the generated turnover and market value. Copyright © 2017 Elsevier Ltd. All rights reserved.

  5. The Impact of the Environmental Documentary Movies on Pre-Service German Teachers' Environmental Attitudes

    Science.gov (United States)

    Alyaz, Yunus; Isigicok, Erkan; Gursoy, Esim

    2017-01-01

    This study examines the environmental attitudes of Turkish pre-service teachers of German as a foreign language using the German version of The Revised New Ecological Paradigm Scale (RNEP) and aims to compare New Ecological Paradigm (NEP) level of participants before and after a larger research project that uses documentary movies as a language…

  6. Cleaning up: environmental services are bound to stay a growth industry

    International Nuclear Information System (INIS)

    Stonehouse, D.

    2000-01-01

    Environmental protection regulations with particular regard for the oil and natural gas industry are reviewed. New flaring regulations will be reduced by 70 per cent within the next seven years and remaining flares will operate at nearly 100 per cent efficiency in burning harmful substances. The Canadian Council of Ministers of the Environment (CCME) is currently targeting other emission sources from oilfield equipment. Benzene emissions from glycol dehydrators will be reduced by 90 per cent by 2007. Soil remediation targets are also very ambitious. The standard is 1,000 parts per million of hydrocarbons. As an indication of the difficulties experienced by oil companies in land reclamation, one out of five topsoil replacement and revegetation applications have failed. As a result of these stringent regulations, a multi-billion dollar environmental industry has emerged, constantly searching for better and more cost effective ways to comply with rising standards. The most immediate challenge is to snuff out some 5,300 flare stacks. The science behind environmental protection is still weak and controversial, and satisfactory answers are still some years away; in the meantime oil companies must meet existing requirements, inventing new equipment and approaches in the process. Incineration may be one answer, but alternative approaches are also being investigated. Wellsite reclamation, cleaning up of exhausted fields, identifying and preserving wild animal habitats, protecting endangered species, accounting for human populations and their effects, greenhouse gas emissions and the complex issues of emissions trading and credits are just some of the issues that will ensure that environmental services will continue to be a growth industry

  7. Using 10-essential-services training to revive, refocus, and strengthen your environmental health programs.

    Science.gov (United States)

    Osaki, Carl S; Hinchey, Deborah; Harris, Joy

    2007-01-01

    The 10 essential services of environmental health, which are based on the 10 essential public health services, can guide environmental health practitioners in systematically organizing and managing environmental public health programs and activities. The National Center for Environmental Health of the Centers for Disease Control and Prevention has used the 10 essential services of environmental health as a basis for its six goals for the revitalization of environmental health in the 21st century. Nevertheless, studies indicate that very few environmental health practitioners are aware of the 10 essential services. This article discusses how essential-services training has increased the awareness and knowledge of environmental health practitioners about the development, value, and use of the essential services. Examples of training outcomes are offered to illustrate how the use of the essential-services framework has improved environmental health performance and practice.

  8. Valuing environmental services provided by local stormwater management

    Science.gov (United States)

    Brent, Daniel A.; Gangadharan, Lata; Lassiter, Allison; Leroux, Anke; Raschky, Paul A.

    2017-06-01

    The management of stormwater runoff via distributed green infrastructures delivers a number of environmental services that go beyond the reduction of flood risk, which has been the focus of conventional stormwater systems. Not all of these services may be equally valued by the public, however. This paper estimates households' willingness to pay (WTP) for improvements in water security, stream health, recreational and amenity values, as well as reduction in flood risk and urban heat island effect. We use data from nearly 1000 personal interviews with residential homeowners in Melbourne and Sydney, Australia. Our results suggest that the WTP for the highest levels of all environmental services is A799 per household per year. WTP is mainly driven by residents valuing improvements in local stream health, exemptions in water restrictions, the prevention of flash flooding, and decreased peak urban temperatures respectively at A297, A244, A104 and A$65 per year. We further conduct a benefit transfer analysis and find that the WTP and compensating surplus are not significantly different between the study areas. Our findings provide additional support that stormwater management via green infrastructures have large nonmarket benefits and that, under certain conditions, benefit values can be transferred to different locations.

  9. 77 FR 10958 - International Services Surveys: BE-150, Quarterly Survey of Cross-Border Credit, Debit, and...

    Science.gov (United States)

    2012-02-24

    ... Emond, Chief, Special Surveys Branch, Balance of Payments Division (BE-50), Bureau of Economic Analysis... the International Investment and Trade in Services Survey Act, 22 U.S.C. 3101- [[Page 10959

  10. Controlled Vocabulary Service Application for Environmental Data Store

    Science.gov (United States)

    Ji, P.; Piasecki, M.; Lovell, R.

    2013-12-01

    In this paper we present a controlled vocabulary service application for Environmental Data Store (EDS). The purpose for such application is to help researchers and investigators to archive, manage, share, search, and retrieve data efficiently in EDS. The Simple Knowledge Organization System (SKOS) is used in the application for the representation of the controlled vocabularies coming from EDS. The controlled vocabularies of EDS are created by collecting, comparing, choosing and merging controlled vocabularies, taxonomies and ontologies widely used and recognized in geoscience/environmental informatics community, such as Environment ontology (EnvO), Semantic Web for Earth and Environmental Terminology (SWEET) ontology, CUAHSI Hydrologic Ontology and ODM Controlled Vocabulary, National Environmental Methods Index (NEMI), National Water Information System (NWIS) codes, EPSG Geodetic Parameter Data Set, WQX domain value etc. TemaTres, an open-source, web -based thesaurus management package is employed and extended to create and manage controlled vocabularies of EDS in the application. TemaTresView and VisualVocabulary that work well with TemaTres, are also integrated in the application to provide tree view and graphical view of the structure of vocabularies. The Open Source Edition of Virtuoso Universal Server is set up to provide a Web interface to make SPARQL queries against controlled vocabularies hosted on the Environmental Data Store. The replicas of some of the key vocabularies commonly used in the community, are also maintained as part of the application, such as General Multilingual Environmental Thesaurus (GEMET), NetCDF Climate and Forecast (CF) Standard Names, etc.. The application has now been deployed as an elementary and experimental prototype that provides management, search and download controlled vocabularies of EDS under SKOS framework.

  11. 15 CFR 950.9 - Computerized Environmental Data and Information Retrieval Service.

    Science.gov (United States)

    2010-01-01

    ... Information Retrieval Service. 950.9 Section 950.9 Commerce and Foreign Trade Regulations Relating to Commerce... Computerized Environmental Data and Information Retrieval Service. The Environmental Data Index (ENDEX... computerized, information retrieval service provides a parallel subject-author-abstract referral service. A...

  12. MODELING CREDIT RISK THROUGH CREDIT SCORING

    OpenAIRE

    Adrian Cantemir CALIN; Oana Cristina POPOVICI

    2014-01-01

    Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the structural approach and the reduced form approach. In addition to these perspectives, credit risk assessment has been conducted through a series of techniques such as credit scoring models, which form the traditional approach. This paper examines the evolution of...

  13. Environmental Impacts of the Use of Ecosystem Services: Case Study of Birdwatching

    Science.gov (United States)

    Kronenberg, Jakub

    2014-09-01

    The main reason for promoting the concept of ecosystem services lies in its potential to contribute to environmental conservation. Highlighting the benefits derived from ecosystems fosters an understanding of humans' dependence on nature, as users of ecosystem services. However, the act of using ecosystem services may not be environmentally neutral. As with the use of products and services generated within an economy, the use of ecosystem services may lead to unintended environmental consequences throughout the `ecosystem services supply chain.' This article puts forward a framework for analyzing environmental impacts related to the use of ecosystem services, indicating five categories of impact: (1) direct impacts (directly limiting the service's future availability); and four categories of indirect impacts, i.e., on broader ecosystem structures and processes, which can ultimately also affect the initial service: (2) impacts related to managing ecosystems to maximize the delivery of selected services (affecting ecosystems' capacity to provide other services); (3) impacts associated with accessing ecosystems to use their services (affecting other ecosystem components); (4) additional consumption of products, infrastructure or services required to use a selected ecosystem service, and their life-cycle environmental impacts; and (5) broader impacts on the society as a whole (environmental awareness of ecosystem service users and other stakeholders). To test the usefulness of this framework, the article uses the case study of birdwatching, which demonstrates all of the above categories of impacts. The article justifies the need for a broader consideration of environmental impacts related to the use of ecosystem services.

  14. Semantic orchestration of image processing services for environmental analysis

    Science.gov (United States)

    Ranisavljević, Élisabeth; Devin, Florent; Laffly, Dominique; Le Nir, Yannick

    2013-09-01

    In order to analyze environmental dynamics, a major process is the classification of the different phenomena of the site (e.g. ice and snow for a glacier). When using in situ pictures, this classification requires data pre-processing. Not all the pictures need the same sequence of processes depending on the disturbances. Until now, these sequences have been done manually, which restricts the processing of large amount of data. In this paper, we present how to realize a semantic orchestration to automate the sequencing for the analysis. It combines two advantages: solving the problem of the amount of processing, and diversifying the possibilities in the data processing. We define a BPEL description to express the sequences. This BPEL uses some web services to run the data processing. Each web service is semantically annotated using an ontology of image processing. The dynamic modification of the BPEL is done using SPARQL queries on these annotated web services. The results obtained by a prototype implementing this method validate the construction of the different workflows that can be applied to a large number of pictures.

  15. Credit concession through credit scoring: Analysis and application proposal

    Directory of Open Access Journals (Sweden)

    Oriol Amat

    2017-01-01

    Full Text Available Purpose: The study herein develops and tests a credit scoring model which can help financial institutions in assessing credit requests.  Design/methodology/approach: The empirical study has the objective of answering two questions: (1 Which ratios better discriminate the companies based on their being solvent or insolvent? and (2 What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been used (Multivariate Analysis of Variance, Linear Discriminant Analysis, Logit and Probit Models. Several samples of companies have been used in order to obtain and to test the model.  Findings: Through the application of several statistical techniques, the credit scoring model has been proved to be effective in discriminating between good and bad creditors.  Research limitations:  This study focuses on manufacturing, commercial and services companies of all sizes in Spain; Therefore, the conclusions may differ for other geographical locations. Practical implications:  Because credit is one of the main drivers of growth, a solid credit scoring model can help financial institutions assessing to whom to grant credit and to whom not to grant credit. Social implications: Because of the growing importance of credit for our society and the fear of granting it due to the latest financial turmoil, a solid credit scoring model can strengthen the trust toward the financial institutions assessment’s.  Originality/value: There is already a stream of literature related to credit scoring. However, this paper focuses on Spanish firms and proves the results of our model based on real data. The application of the model to detect the probability of default in loans is original.

  16. Can rewards for environmental services benefit the poor? Lessons from Asia

    NARCIS (Netherlands)

    Beria, L.; Joshi, J.

    2009-01-01

    Pro-poor rewards for environmental services (RES) link global priorities on poverty reduction and environmental sustainability. Emerging approaches to payment for environmental services vary in mechanism and form of payment. Rural poverty is multidimensional and the poverty syndromes vary with the

  17. Prospects for international trade in environmental services: An analysis of international carbon emission off-sets

    International Nuclear Information System (INIS)

    Swisher, J.N.

    1991-01-01

    This dissertation presents a case study analysis in which the costs to a US electric utility of reducing its carbon dioxide (CO 2 ) emissions are compared with the costs of carbon-saving forestry projects in Costa Rica and Guatemala. The results show that a large electric utility in the south-central US would find it relatively inexpensive, even profitable given a conducive regulatory treatment, to reduce its CO 2 emissions by a few percent over the next ten years, through direct investment in energy end-use efficiency improvements. In comparison, the costs of the forestry projects studied in Central America range from $1/TC to a worst-case value of about $55/TC, with most project costs between $5 and $13/TC, depending on the type of project, the climate, and the opportunity cost of land. The total amount of CO 2 storage potential is significant, about 100 million tons per country, but not enough to suggest that forestry can offset more than a few percent of global CO 2 emissions from fossil fuel use. These case studies suggest that international trade in the environmental service of reducing global CO 2 accumulation could have significant economic and ecological benefits. A transaction in which a utility pays for forestry projects in exchange for credit against an emission reduction policy is an example of an international carbon emission offset (ICEO). ICEO's could provide a currency for funding carbon-saving services as a way to comply with national policies to reduce CO 2 emissions, as long as compliance is allowed through investments in other countries. This type of North-South transfer is necessary to reconcile economic efficiency and international equity, because of the disparity between the national allocations of responsibility for greenhouse gas emissions and opportunities for emission reductions

  18. Knowledge, attitudes, and practices regarding environmental cleaning among environmental service workers in Chinese hospitals.

    Science.gov (United States)

    Ni, Kaiwen; Chen, Bingbing; Jin, Hui; Kong, Qingxin; Ni, Xiaoping; Xu, Hong

    2017-09-01

    We conducted a study using a face-to-face survey to assess knowledge, attitudes, and practices of environmental service workers (ESWs) concerning routine cleaning and disinfection at 3 tertiary hospitals in China. There were 115 (89.1%) respondents who agreed that environmental cleaning can contribute to keep patients safe, whereas 63 (48.8%) reported they were very willing to make cleaning practices better. Only 15 (11.6%) ESWs agreed they were in risk of nosocomial infections during daily cleaning. Our findings suggest that the level of ESWs' knowledge regarding cleaning practices was passable, but the awareness of occupational safety and health was weak. There is a need to introduce sustained education and training aimed at ESWs. Copyright © 2017 Association for Professionals in Infection Control and Epidemiology, Inc. Published by Elsevier Inc. All rights reserved.

  19. Attitudes and beliefs, not just knowledge, influence the effectiveness of environmental cleaning by environmental service workers.

    Science.gov (United States)

    Matlow, Anne G; Wray, Rick; Richardson, Susan E

    2012-04-01

    Hospital environmental service workers (ESWs) play an important role in interrupting the chain of infection because the environment is a reservoir for nosocomial pathogens. Improving ESWs' knowledge through education has been shown to improve ESW cleaning, but the behavioral determinants of their work have not been studied. Understanding and targeting ESWs' attitudes and beliefs may inform strategies to improve environmental cleaning. With the theory of planned behavior as framework, we used questionnaires and focus groups to examine intensive care unit ESWs' attitudes, beliefs [behavioral, normative, and control], and control) and intent about their job. Baseline quantitative microbial cultures of high-touch services were performed before and after cleaning. After an educational intervention addressing their attitudes, beliefs, and general infection control knowledge, attitudes, beliefs, and microbial contamination were reassessed. Beliefs were uniformly strong (4.5/5-5/5), and normative beliefs correlated best with intent to clean (R(2) = 0.3). Themes elicited from the focus groups included "me versus them," lack of appreciation, pride in work, and "if it were me." The rate of environmental contamination was significantly improved after the intervention (P = .0074 vs P = .0023, respectively); the measured relationship among attitudes, beliefs, and intent was not significantly changed. ESWs' attitudes and beliefs about their job may impact their intent to clean and in turn the effectiveness of their efforts. Understanding and addressing these attitudes and beliefs can be used to inform strategies for sustained improvement of environmental cleaning. Copyright © 2012 Association for Professionals in Infection Control and Epidemiology, Inc. Published by Mosby, Inc. All rights reserved.

  20. CREDIT AGRICOLE

    CERN Multimedia

    2001-01-01

    The Crédit Agricole wishes to inform its CERN customers that the bank's Prévessin site premises are to be refurbished with a view to improving and extending services to customers. Duration of the work: from Monday 28 May 2001 to Wednesday 25 July 2001. Routine services will be maintained throughout this period, and for any other matters customers are invited to contact our GEX branch, where Maryse MEIGNIEN will be available to answer any enquiries. We thank you for your understanding during this period.

  1. Credit Management System

    Data.gov (United States)

    US Agency for International Development — Credit Management System. Outsourced Internet-based application. CMS stores and processes data related to USAID credit programs. The system provides information...

  2. Green Service Practices: Performance Implications and the Role of Environmental Management Systems

    OpenAIRE

    Christina W. Y. Wong; Chee Yew Wong; Sakun Boon-itt

    2013-01-01

    Research on the effects of environmental management has largely neglected the importance of green service practices and their impact on environmental protection and cost reduction. There is also little knowledge on how service-oriented firms may leverage their efforts in providing green services to achieve performance improvement through their existing environmental management system (EMS). Grounded in the natural resource-based view in conjunction with the contingency theory, we develop a mo...

  3. The role of service-learning in college students' environmental literacy: Content knowledge, attitudes, and behaviors

    Science.gov (United States)

    Singletary, Joanna Lynn Bush

    This study evaluated the relationship of environmental service-learning on environmental literacy in undergraduates. The subjects were 36 undergraduates at a small liberal arts university enrolled in an environmental biology course. To determine the role of environmental service-learning on college students' environmental knowledge, attitudes, behaviors, and environmental literacy, this study utilized concurrent mixed methods approach for qualitative and quantitative analysis. A quasi-experimental repeated measures approach was the design of the quantitative component of the study. Data were collected on attitude, behavior, and content knowledge aspects of environmental literacy as measured by the Environmental Literacy Survey (Kibert, 2000). Hypotheses were tested by independent samples ttests and repeated measures ANOVA. Repeated measures ANOVA conducted on participants' three subscales scores for the Environmental Literacy Survey (attitude, behavior, and knowledge) indicated that students who participated in environmental service-learning scored statistically significantly higher than those that did not initially participate in service-learning. Qualitative data collected in the form of journal reflections and portfolios were evaluated for themes of environmental attitudes or affective statements, environmentally positive behaviors and skills, and ecological content. Quantitative and qualitative data support the positive role of environmental service-learning in the development of environmental literacy in undergraduate students.

  4. About Region 3's Laboratory and Field Services at EPA's Environmental Science Center

    Science.gov (United States)

    Mission & contact information for EPA Region 3's Laboratory and Field Services located at EPA's Environmental Science Center: the Office of Analytical Services and Quality Assurance & Field Inspection Program

  5. Amazon Forest maintenance as a source of environmental services

    Directory of Open Access Journals (Sweden)

    Philip M. Fearnside

    2008-03-01

    Full Text Available Amazonian forest produces environmental services such as maintenance of biodiversity, water cycling and carbon stocks. These services have a much greater value to human society than do the timber, beef and other products that are obtained by destroying the forest. Yet institutional mechanisms are still lacking to transform the value of the standing forest into the foundation of an economy based on maintaining rather than destroying this ecosystem. Forest management for commodities such as timber and non-timber forest products faces severe limitations and inherent contradictions unless income is supplemented based on environmenta lservices. Amazon forest is threatened by deforestation, logging, forest fires and climate change. Measures to avoid deforestation include repression through command and control, creation of protected areas, and reformulation of infrastructure decisions and development policies. An economy primarily based on the value of environmental services is essential for long-term maintenance of the forest. Much progress has been made in the decades since I first proposed such a transition, but many issues also remain unresolved. These include theoretical issues regarding accounting procedures, improved quantification of the services and of the benefits of different policy options, and effective uses of the funds generated in ways that maintain both the forest and the human population.A floresta amazônica produz serviços ambientais, tais como a manutenção da biodiversidade, da ciclagem de água e dos estoques de carbono. Estes serviços têm um valor muito maior para a sociedade humana do que a madeira, carne bovina e outros produtos que são obtidos destruindo a floresta. Mecanismos institucionais ainda estão faltando para transformar o valor da floresta em pé no alicerce de uma economia baseada em manter, em lugar de destruir, este ecossistema. Manejo florestal para madeira e para produtos florestais n

  6. Credit: A Teaching Unit.

    Science.gov (United States)

    Clanton, Brandolyn; And Others

    Intended for teachers of secondary school students, five lessons on consumer credit are presented. In the first lesson students identify and evaluate sources of credit, compare some of the costs and benefits of credit, and learn to apply criteria used in evaluating applications for credit. In the second lesson, students learn about two basic types…

  7. Refundable Tax Credits

    OpenAIRE

    Congressional Budget Office

    2013-01-01

    In 1975, the first refundable tax credit—the earned income tax credit (EITC)—took effect. Since then, the number and cost of refundable tax credits—credits that can result in net payments from the government—have grown considerably. Those credits will cost $149 billion in 2013, CBO estimates, mostly for the EITC and the child tax credit.

  8. NCA & Credit Guarantees

    African Journals Online (AJOL)

    stooppn

    purposes of the National Credit Act; what the definition of a credit guarantee set out ...... Scholtz et al National Credit Act in para 8.2.4; Scott et al Law of Commerce ..... Eitelberg E "Autonomy of Documentary Credit Undertakings in South African.

  9. Insurability of export credit risks

    NARCIS (Netherlands)

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms

  10. Environmental Education in Pre-Service Teacher Training: A Literature Review of Existing Evidence

    Science.gov (United States)

    Álvarez-García, Olaya; Sureda-Negre, Jaume; Comas-Forgas, Rubén

    2015-01-01

    The importance of pre-service teacher training regarding environmental education (EE) has been vastly demonstrated. This systematic review examined the existing evidence from studies evaluating and analysing the relationship between EE, including environmental competences and pre-service primary school teacher training. The literature review…

  11. Servizi finanziari imputati e interdipendenze settoriali: un'analisi settoriale del ruolo del credito nel sistema economico. (Imputed bank services and sectoral interdependences: a structural analysis of the role of credit in the economy

    Directory of Open Access Journals (Sweden)

    C. BIANCHI

    2013-12-01

    Full Text Available I sistemi di contabilità nazionale in base alla metodologia SEC sono soliti comportarsi in modo da garantire l'impossibilità pratica di effettuare qualsiasi assegnazione significativa di servizi bancari imputati tra i singoli rami di attività economica.  Il presente lavoro mostra come questo vieta l'analisi strutturale del ruolo del credito nel sistema di interdipendenze. . L'analisi mette in evidenza la duplice natura del credito come contenuti a valore aggiunto altamente intermedio e alto. È in grado di influenzare forte su i costi di produzione degli altri rami, senza essere influenzato da loro. Queste proprietà conferiscono al settore bancario un potenziale molto elevato per l'inflazione.National accounts systems based on the SEC methodology are usually thought to comport the practical impossibility of carrying out any meaningful allocation of imputed bank services among the single branches of economic activity. As a consequence, the total value of the net interest earned by the credit system as a whole is considered as a cost entry and a negative component of added value in an ad-hoc additional industry, to be aggregated to the main credit one in the typical input-output analysis. The present work shows how this prohibits the structural analysis of the role of credit in the system of interdependencies. A method of is proposed in which imputed services of credit are distributed by branches, on the basis of existing statistics, proving valuable in assessing the significance of certain quantities of national accounts, such as operating results. The analysis highlights the dual nature of credit as highly intermediate and high value-added content. It is able to strongly influence the production costs of the other branches, without being influenced by them. These properties give the banking industry a very high potential for inflation. JEL: E51, G21

  12. Incorporating ecosystem services into environmental management of deep-seabed mining

    Science.gov (United States)

    Le, Jennifer T.; Levin, Lisa A.; Carson, Richard T.

    2017-03-01

    Accelerated exploration of minerals in the deep sea over the past decade has raised the likelihood that commercial mining of the deep seabed will commence in the near future. Environmental concerns create a growing urgency for development of environmental regulations under commercial exploitation. Here, we consider an ecosystem services approach to the environmental policy and management of deep-sea mineral resources. Ecosystem services link the environment and human well-being, and can help improve sustainability and stewardship of the deep sea by providing a quantitative basis for decision-making. This paper briefly reviews ecosystem services provided by habitats targeted for deep-seabed mining (hydrothermal vents, seamounts, nodule provinces, and phosphate-rich margins), and presents practical steps to incorporate ecosystem services into deep-seabed mining regulation. The linkages and translation between ecosystem structure, ecological function (including supporting services), and ecosystem services are highlighted as generating human benefits. We consider criteria for identifying which ecosystem services are vulnerable to potential mining impacts, the role of ecological functions in providing ecosystem services, development of ecosystem service indicators, valuation of ecosystem services, and implementation of ecosystem services concepts. The first three steps put ecosystem services into a deep-seabed mining context; the last two steps help to incorporate ecosystem services into a management and decision-making framework. Phases of environmental planning discussed in the context of ecosystem services include conducting strategic environmental assessments, collecting baseline data, monitoring, establishing marine protected areas, assessing cumulative impacts, identifying thresholds and triggers, and creating an environmental damage compensation regime. We also identify knowledge gaps that need to be addressed in order to operationalize ecosystem services

  13. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...... to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach...... to credit policy is clearly inappropriate....

  14. Final Environmental Planning Technical Report. Public Services and Facilities

    Science.gov (United States)

    1984-06-01

    Start, coordinates the federal commodities food distribution program for low-income people, and maintains an updated human service resource manual for...organization also publishes a comprehensive resource manual on social services in Laramie County. One-to-One Tutoring provides volunteers to tutor...services by other organizacions . eoresent the total OOr-lati:n. Rate of volunteer ans •" ;rowth is forecast as follcs..: 1983 z 70.467, half tine green

  15. Payments for environmental services in Latin America as a tool for restoration and rural development.

    Science.gov (United States)

    Montagnini, Florencia; Finney, Christopher

    2011-05-01

    Payments for Environmental Services (PES) can encourage projects that enhance restoration, production, and rural development. When projects promote differentiated systems by paying farmers for the provision of services, the application of PES requires evaluation of the environmental services provided by each system. We present evaluations of carbon stocks and biodiversity in pure and mixed native tree plantations in Costa Rica. To illustrate how monetary values can be assigned, we discuss a project that awarded PES to silvopastoral systems in Costa Rica, Nicaragua, and Colombia based on carbon stocks and biodiversity. PES can promote positive environmental attitudes in farmers. Currently this project is being scaled up in Colombia based on their positive experiences with PES as a tool to promote adoption. Compared to PES systems that include only one environmental service, systems that incorporate bundling or layering of multiple services can make sustainable land uses more attractive to farmers and reduce perverse incentives.

  16. The Effect of Ecopodagogy-Based Environmental Education on Environmental Attitude of In-Service Teachers

    Science.gov (United States)

    Okur-Berberoglu, Emel

    2015-01-01

    Environmental attitude covers a person's behavioural aims, impacts, and believings which is acquired from environmental subjects or activities. It is also mentioned that environmental attitude can be used in order to predict environmental behaviour. The aim of this study is to analyse the efficiency of an ecopedagogy-based TUBITAK environmental…

  17. Tight gas sand tax credit yields opportunities

    International Nuclear Information System (INIS)

    Lewis, F.W.; Osburn, A.S.

    1991-01-01

    The U.S. Internal Revenue Service on Apr. 1, 1991, released the inflation adjustments used in the calculations of Non-Conventional Fuel Tax Credits for 1990. The inflation adjustment, 1.6730, when applied to the base price of $3/bbl of oil equivalent, adjusts the tax credit to $5.019/bbl for oil and 86.53 cents/MMBTU for gas. The conversion factor for equivalent fuels is 5.8 MMBTU/bbl. Unfortunately, the tax credit for tight formation gas continues to be unadjusted for inflation and remains 52 cents/MMBTU. As many producers are aware, the Omnibus Budget Reconciliation Act of 1990 expanded the dates of eligibility and the usage for-Non-Conventional Fuel Tax Credits. Among other provisions, eligible wells may be placed in service until Jan. 1, 1992, and once in place may utilize the credit for production through Dec. 31, 2002. Both dates are 2 year extensions from previous regulations

  18. Real-time GIS data model and sensor web service platform for environmental data management.

    Science.gov (United States)

    Gong, Jianya; Geng, Jing; Chen, Zeqiang

    2015-01-09

    Effective environmental data management is meaningful for human health. In the past, environmental data management involved developing a specific environmental data management system, but this method often lacks real-time data retrieving and sharing/interoperating capability. With the development of information technology, a Geospatial Service Web method is proposed that can be employed for environmental data management. The purpose of this study is to determine a method to realize environmental data management under the Geospatial Service Web framework. A real-time GIS (Geographic Information System) data model and a Sensor Web service platform to realize environmental data management under the Geospatial Service Web framework are proposed in this study. The real-time GIS data model manages real-time data. The Sensor Web service platform is applied to support the realization of the real-time GIS data model based on the Sensor Web technologies. To support the realization of the proposed real-time GIS data model, a Sensor Web service platform is implemented. Real-time environmental data, such as meteorological data, air quality data, soil moisture data, soil temperature data, and landslide data, are managed in the Sensor Web service platform. In addition, two use cases of real-time air quality monitoring and real-time soil moisture monitoring based on the real-time GIS data model in the Sensor Web service platform are realized and demonstrated. The total time efficiency of the two experiments is 3.7 s and 9.2 s. The experimental results show that the method integrating real-time GIS data model and Sensor Web Service Platform is an effective way to manage environmental data under the Geospatial Service Web framework.

  19. Credit Card Quiz.

    Science.gov (United States)

    Marks, Jeff

    2000-01-01

    Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)

  20. Credit Union Headquarters

    Data.gov (United States)

    Department of Homeland Security — The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed of the full faith...

  1. Credit Card Security

    OpenAIRE

    G.C., Anup

    2013-01-01

    Author: Anup G.C. Year: 2013 Subject of thesis: Credit Card Security Number of pages: 36+2 Credit Card is a widely used electronic chip for easy transactions. The main purpose of the report was to show the security measures of transaction by credit cards. The purpose was to give information about credit cards and how they were introduced. The thesis reportcontained the types of card theft with examples and sited the various protocols used for online ...

  2. Credit Market Information Feedback

    OpenAIRE

    Balasubramanyan, Lakshmi; Craig, Ben R.; Thomson, James B.; Zaman, Saeed

    2015-01-01

    We examine how a combination of credit market and asset quality information can jointly be used in assessing bank franchise value. We find that expectations of future credit demand and future asset quality explain contemporaneous bank franchise value, indicative of the feedback in credit market information and its consequent impact on bank franchise value.

  3. Boundedly rational credit cycles

    OpenAIRE

    Sáez, María

    1996-01-01

    We propose an evolutionary model of a credit market. We show that the economy exhibits credit cycles. The model predicts dynamics which are consistent with some evidence about the Great Depression. Real shocks trigger episodes of credit--crunch which are observed in the process of adjustment towards the post shock equilibrium.

  4. Payments for Environmental Services as source of development funding for small-scale farmers in northern Namibia: preliminary results

    Science.gov (United States)

    Angombe, Simon; Bloemertz, Lena; Käch, Simon; Asino, Josefina; Kuhn, Nikolaus J.

    2013-04-01

    Studies in Africa suggest that improving Soil Organic Carbon (SOC) on cropland soils increases yields, but also offers the opportunity of earning carbon credits. Further potential for earning carbon credits and generating Payments for Environmental Services (PES) lies in an integrated approach to landscape carbon management, including shrubland and pasture used for grazing and timber supply. These studies indicate that funds raised from PES could be used to foster the development of small-scale farming in northern Namibia. However, the limited information on soil quality and the rationale for particular soil management and land use practices applied by small-scale farmers in Namibia prohibits a conclusive assessment of the potential of Payment for PES as a source of income or funding opportunity for development initiatives in Northern Central Regions of Namibia. Therefore, the aim of this study is the identification of potential intervention mechanisms to improve the livelihood of small scale-farmers and reducing land degradation with the support of PES in the communal regions of northern Namibia. The work in Namibia aimed at identifying existing soil management and land use practices as well as soil quality, including carbon stocks, on land used by small-scale farmers in the densely populated northern central region. The main objective of the first part of the field work was to develop an overview of farming practices and soil quality as well as sampling and interviewing approaches. Four settlements were selected for the field work based on their distance to the urbanized road corridor between Oshakati and the Angolan border. Initial results confirm the potential to increase productivity on land used by small-scale farmers as well as the opportunity to develop landscape carbon stocks. However, limits to earning PES might be the lack of a market, and thus incentive for the farmers, to shift from subsistence to commercial farming.

  5. Environmental Protection Agency (EPA) Facility Registry Service (FRS) Power Plants

    Data.gov (United States)

    Department of Homeland Security — This GIS dataset contains data on wastewater treatment plants, based on EPA's Facility Registry Service (FRS) and NPDES, along with Clean Watersheds Needs Survey...

  6. CITYZER - Services for effective decision making and environmental resilience

    Science.gov (United States)

    Haukka, Harri; Turtiainen, Heikki; Janka, Kauko; Palonen, Henry; Turpeinen, Jani; Viitala, Erkki; Rönkkö, Topi; Laiho, Tiina; Laitinen, Teija; Harri, Ari-Matti; Schmidt, Walter; Nousiainen, Timo; Niemi, Jarkko

    2017-04-01

    The CITYZER project develops new digital services and products to support decision making processes related to weather and air quality in cities. This includes, e.g., early warnings and forecasts (0-24 h), which allow for avoiding weather-related accidents, mitigate human distress and costs from weather-related damage and bad air quality, and generally improve the resilience and safety of the society. The project takes advantage of the latest scientific know-how and directly exploits the expertise obtained from, e.g., Tekes-funded (MMEA [1], RAVAKE) and EU-funded (HAREN, EDHIT [2]) projects. Central to the project is the Observation Network Manager NM10 [3] developed by Vaisala within the Tekes/MMEA project, on which CITYZER defines and builds new commercial services and connects new sensor networks (e.g., air quality). The target groups of the services and products (e.g., public sector, real estate and energy companies, and distributors) and related business models will be analyzed and developed in collaboration with local players (e.g., India, South America, China) taking advantage of the pre-existing contacts by the Haaga-Helia, Vaisala Ltd and CLIC Innovation. Service models are designed to account for and adapt to the special needs of different areas and customers. The developed services will be scalable (most common platforms) and responsive. CITYZER project partners include Vaisala Ltd (weather observation instrumentation and products), Sasken Ltd (mobile products), Emtele Ltd (Portable IoT ICT Service Operation Center/Environment and remote intelligent cabinet for sensor network-GW and connections), HSY (urban services), Haaga-Helia University of Applied Sciences (service business models including digital services), Finnish Meteorological Institute (implementation of and scientific research on meteorological & air quality products), and the Tampere University of Technology (definition of and scientific research on air quality products), Pegasor Ltd (support

  7. 25 CFR 11.422 - Unauthorized use of credit cards.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  8. 77 FR 8127 - Foreign Tax Credit Splitting Events

    Science.gov (United States)

    2012-02-14

    ... Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final and... affect taxpayers claiming foreign tax credits. The text of the temporary regulations also serves as the... that if there is a foreign tax credit splitting event with respect to a foreign income tax paid or...

  9. 17 CFR 256.411.5 - Investment tax credit.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Investment tax credit. 256.411... HOLDING COMPANY ACT OF 1935 Income and Expense Accounts § 256.411.5 Investment tax credit. (a) This account shall be debited with the amounts of investment tax credits related to service company property...

  10. 77 FR 8184 - Foreign Tax Credit Splitting Events

    Science.gov (United States)

    2012-02-14

    ... Foreign Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... these proposed regulations. The regulations affect taxpayers claiming foreign tax credits. Special... of the Federal Register.] Sec. 1.909-6 Pre-2011 foreign tax credit splitting events. [The text of...

  11. Strategies for communicating quality expectations for environmental service contracts : final report.

    Science.gov (United States)

    2017-03-01

    This study explores the communication of quality expectations between the Office of Environment Services (OES) and environmental consulting firms contributing to the Plan Development Process of the Georgia Department of Transportation (GDOT). The ove...

  12. Environmental Models as a Service: Enabling Interoperability through RESTful Endpoints and API Documentation (presentation)

    Science.gov (United States)

    Achieving interoperability in environmental modeling has evolved as software technology has progressed. The recent rise of cloud computing and proliferation of web services initiated a new stage for creating interoperable systems. Scientific programmers increasingly take advantag...

  13. Environmental Models as a Service: Enabling Interoperability through RESTful Endpoints and API Documentation.

    Science.gov (United States)

    Achieving interoperability in environmental modeling has evolved as software technology has progressed. The recent rise of cloud computing and proliferation of web services initiated a new stage for creating interoperable systems. Scientific programmers increasingly take advantag...

  14. Environmental and social risks: defensive National Environmental Policy Act in the US Forest Service

    Science.gov (United States)

    Michael J. Mortimer; Marc J. Stern; Robert W. Malmsheimer; Dale J. Blahna; Lee K. Cerveny; David N. Seesholtz

    2011-01-01

    The National Environmental Policy Act (NEPA) and its accompanying regulations provide a spectrum of alternative analytical pathways for federal agencies proposing major actions that might significantly impact the human environment. Although guidance from the President's council on Environmental Quality suggests the decision to develop an environmental impact...

  15. Implied Materiality and Material Disclosures of Credit Ratings

    OpenAIRE

    Eccles, Robert G; Youmans, Timothy John

    2015-01-01

    This first of three papers in our series on materiality in credit ratings will examine the materiality of credit ratings from an “implied materiality” and governance disclosure perspective. In the second paper, we will explore the materiality of environmental, social, and governance (ESG) factors in credit ratings’ methodologies and introduce the concept of “layered materiality.” In the third paper, we will evaluate current and potential credit rating agency (CRA) business models based on our...

  16. Environmental values and their relationship to ecological services

    Science.gov (United States)

    Herbert W. Schroeder

    2011-01-01

    Natural environments give rise to value in diverse ways for different people and groups. In this paper, I present a conceptual scheme for how different kinds of value may arise from a natural environment. I use this scheme to illustrate the different ways in which people value natural environments and to clarify the relationship between environmental values and...

  17. Payment for environmental services: the need for re-definition?

    NARCIS (Netherlands)

    Beria, L.; Groot, de R.S.

    2010-01-01

    As an alternative to the “command-and-control” approach, increasing enthusiasm for market-based instruments (MBI) in environmental management arose in the early 80s. It was hoped that MBI, including packaging taxes, effluent taxes and charges, capital or operation subsidies, tradable permits,

  18. Fostering Pre-service Teachers' Self-Determined Environmental Motivation Through Green Chemistry Experiments

    Science.gov (United States)

    Karpudewan, Mageswary; Ismail, Zurida; Roth, Wolff-Michael

    2012-10-01

    The global environmental crisis intensifies particularly in developing nations. Environmental educators have begun to understand that changing the environmental impact requires not only changes in pro-environmental knowledge and attitudes but also in associated, self-determined motivation. This study was designed to test the hypothesis that a green chemistry curriculum changes Malaysian pre-service teachers' environmental motivation. Two comparable groups of pre-service teachers participated in this study. The students in the experimental group ( N = 140) did green chemistry experiments whereas the control group ( N = 123) did equivalent experiments in a traditional manner. Posttest results indicate that there is significant difference between both the groups for intrinsic motivation, integration, identification, and introjections scales and no differences for external regulation and amotivation scales. The qualitative analysis of interview data suggests that the changes are predominantly due to the personal satisfaction that participants derived from engaging in pro-environmental behavior.

  19. 76 FR 62144 - Environmental Impact Statement for Implementation of Passenger Rail Service Between Tucson, AZ...

    Science.gov (United States)

    2011-10-06

    ... impacts to the natural and built environment of those alternatives, and invite public participation in the... will provide programmatic assessment of environmental effects associated with the construction... Environmental Impact Statement for Implementation of Passenger Rail Service Between Tucson, AZ and Phoenix, AZ...

  20. Integrating Project-Based Service-Learning into an Advanced Environmental Chemistry Course

    Science.gov (United States)

    Draper, Alison J.

    2004-01-01

    An active service-learning research work is conducted in the field of advanced environmental chemistry. Multiple projects are assigned to students, which promote individual learning skills, self-confidence as scientists, and a deep understanding of the environmental chemist's profession.

  1. Pre-Service Teachers' Perception toward Environmental Knowledge, Attitudes and Behaviours

    Science.gov (United States)

    Borhan, Mohamad Termizi; Ismail, Zurida

    2011-01-01

    Purpose: The study investigated the environmental knowledge, attitudes and behaviours exhibited by the pre-service teachers and determined if there was any significant relationship between environmental knowledge, attitudes and behaviours. Method: This descriptive study adopted a quantitative approach using questionnaires to obtain information on…

  2. Integrating Marketing and Environmental Studies through an Interdisciplinary, Experiential, Service-Learning Approach

    Science.gov (United States)

    Wiese, Nila M.; Sherman, Daniel J.

    2011-01-01

    This article describes and evaluates an interdisciplinary, experiential service-learning project that combined environmental studies and marketing courses at a liberal arts college over a 2-year period. The inherent tensions between these two disciplines regarding issues of environmental protection and conservation make this project's contribution…

  3. 76 FR 9054 - Notice of Availability of Final Environmental Impact Statement for the AREVA Enrichment Services...

    Science.gov (United States)

    2011-02-16

    ... Statement for the AREVA Enrichment Services LLC Proposed Eagle Rock Enrichment Facility in Bonneville County... published the Final Environmental Impact Statement (EIS) for the AREVA Enrichment Services LLC (AES) Proposed Eagle Rock Enrichment Facility (EREF). On December 30, 2008, AES submitted a license application...

  4. Investigation of Pre-Service Science Teachers' Attitudes towards Sustainable Environmental Education

    Science.gov (United States)

    Keles, Özgül

    2017-01-01

    The purpose of the current study is to investigate pre-service science teachers' sustainable environmental education attitudes and the factors affecting them in terms of some variables (gender and grade level). The study group of the current research is comprised of 154 pre-service teachers attending the Department of Science Education in the…

  5. Research on sudden environmental pollution public service platform construction based on WebGIS

    Science.gov (United States)

    Bi, T. P.; Gao, D. Y.; Zhong, X. Y.

    2016-08-01

    In order to actualize the social sharing and service of the emergency-response information for sudden pollution accidents, the public can share the risk source information service, dangerous goods control technology service and so on, The SQL Server and ArcSDE software are used to establish a spatial database to restore all kinds of information including risk sources, hazardous chemicals and handling methods in case of accidents. Combined with Chinese atmospheric environmental assessment standards, the SCREEN3 atmospheric dispersion model and one-dimensional liquid diffusion model are established to realize the query of related information and the display of the diffusion effect under B/S structure. Based on the WebGIS technology, C#.Net language is used to develop the sudden environmental pollution public service platform. As a result, the public service platform can make risk assessments and provide the best emergency processing services.

  6. A service and value based approach to estimating environmental flows

    DEFF Research Database (Denmark)

    Korsgaard, Louise; Jensen, R.A.; Jønch-Clausen, Torkil

    2008-01-01

    An important challenge of Integrated Water Resources Management (IWRM) is to balance water allocation between different users and uses. While economically and/or politically powerful users have relatively well developed methods for quantifying and justifying their water needs, this is not the case...... methodologies. The SPI approach is a pragmatic and transparent tool for incorporating ecosystems and environmental flows into the evaluation of water allocation scenarios, negotiations of trade-offs and decision-making in IWRM....

  7. Exploring decision-making for environmental health services: perspectives from four cities.

    Science.gov (United States)

    Hunt, C; Lewin, S

    2000-01-01

    Increasing resources are being allocated to environmental health monitoring, especially for developing methods and collecting data to construct environmental health indicators (EHIs). Yet, little research has focused on understanding how communities and service providers make decisions with regard to environmental health priorities and the role of indicators in this process. This paper presents insights regarding local decision-making that arose from a project to test the feasibility of using community-based EHIs to facilitate communication between the providers and the recipients of environmental services in four developing-country cities. The results of the study indicate that decision-making for environmental health services is complex and iterative rather than rational and linear. Contextual and process factors play an important role. These factors include the morale of service providers, the extent of collaboration between service agencies, the priorities of different community groups and relations between service providers and communities. Scientific information, in the form of EHIs, did not appear to be a key element of decision-making in the settings studied. As tools, EHIs are unlikely to become part of the decision-making process unless they are integrated with local agendas and backed by strong local representation.

  8. Credit risk transfer

    OpenAIRE

    Bank for International Settlements

    2003-01-01

    Executive summary Techniques for transferring credit risk, such as financial guarantees and credit insurance, have been a long-standing feature of financial markets. In the past few years, however, the range of credit risk transfer (CRT) instruments and the circumstances in which they are used have widened considerably. A number of factors have contributed to this growth, including: greater focus by banks and other financial institutions on risk management; a more rigorous approach to risk/re...

  9. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

    Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

  10. A multimodal logistics service network design with time windows and environmental concerns.

    Science.gov (United States)

    Zhang, Dezhi; He, Runzhong; Li, Shuangyan; Wang, Zhongwei

    2017-01-01

    The design of a multimodal logistics service network with customer service time windows and environmental costs is an important and challenging issue. Accordingly, this work established a model to minimize the total cost of multimodal logistics service network design with time windows and environmental concerns. The proposed model incorporates CO2 emission costs to determine the optimal transportation mode combinations and investment selections for transfer nodes, which consider transport cost, transport time, carbon emission, and logistics service time window constraints. Furthermore, genetic and heuristic algorithms are proposed to set up the abovementioned optimal model. A numerical example is provided to validate the model and the abovementioned two algorithms. Then, comparisons of the performance of the two algorithms are provided. Finally, this work investigates the effects of the logistics service time windows and CO2 emission taxes on the optimal solution. Several important management insights are obtained.

  11. Mining Association Rules Between Credits in the Leadership in Energy and Environmental Design for New Construction (LEED-NC) Green Building Assessment System

    National Research Council Canada - National Science Library

    Thomas, Benjamin J

    2008-01-01

    The Leadership in Energy and Environmental Design (LEED) Building Assessment System is a performance-based tool for determining the environmental impact of a facility from the whole-building perspective...

  12. A guide for evaluating the environmental performance of Product/Service-Systems

    DEFF Research Database (Denmark)

    Kjær, Louise Laumann; Pigosso, Daniela Cristina Antelmi; McAloone, Tim C.

    Environmental issues, such as climate change, resource depletion and pollution are societal concerns, which are also increasingly affecting the way we do business. Concepts such as circular economy,sharing economy, and service economy, often highlight that more sustainable businesses can be created...... when focusing on product performance (e.g.by offering lighting as a service) rather than the physical products (e.g. by selling light bulbs). Such strategies of integrating products and services to deliver required user functionality are often termed Product/Service-Systems (PSS). This guide...

  13. Payment for Environmental Services, fishers and cetaceans’ conservation

    Directory of Open Access Journals (Sweden)

    Shirley Pacheco de Souza

    2013-12-01

    Full Text Available The interactions between fisheries and cetaceans have been widely discussed by several authors. Bycatch of small cetaceans is frequent around the world, threatening several species. In Brazil, in two critical areas– Soure(Marajó Island and São Sebastião - more than 70% of the local fishers (n= 40 and n=70, respectively interviewed in a previous study reported bycatch of Guiana dolphin (Sotalia guianensis or Franciscana dolphin (Pontoporia blainvillei in gillnets. Other negative interaction involving fisheries and cetaceans is the entanglement of Southern right whales in fishing nets during their migration along the coast, as reported by 68% of the fishers interviewed in the South of Brazil (Pântano do Sul: n=25. On the other hand these interactions result in damage of the fishing gear and great economic losses to the fishers. To minimize these conflicts we suggest the adoption of strategies involving interested fishers in bycatch monitoring programs, where fishers could collect local data on the critical areas and frequency of dolphins’ accidental catches, consequently increasing their awareness of the problem and providing a better baseline to support educational and regulatory measures related to cetaceans’ bycatch. As a compensation for the time and energy spent in these programs, fishers could receive a “payment for environmental services” (PES, as an economic incentive to their participation, which would contribute to their economic stability as well as to cetaceans’ conservation.

  14. Dual Credit Report

    Science.gov (United States)

    Light, Noreen

    2016-01-01

    In 2015, legislation to improve access to dual-credit programs and to reduce disparities in access and completion--particularly for low income and underrepresented students--was enacted. The new law focused on expanding access to College in the High School but acknowledged issues in other dual-credit programs and reinforced the notion that cost…

  15. Credit Risk Research

    DEFF Research Database (Denmark)

    Zamore, Stephen; Ohene Djan, Kwame; Alon, Ilan

    2018-01-01

    This article provides a comprehensive review of scholarly research on credit risk measurement during the last 57 years applying bibliometric citation analysis and elaborates an agenda for future research. The bibliography is compiled using the Institute for Scientific Information (ISI) Web...... of Science (WOS) database and includes all articles with citations over the period 1960–2016. Specifically, the review is carried out using 1695 articles across 72 countries published in 442 journals by 2928 authors. The findings suggest that credit risk research is multifaceted and can be classified...... into six streams: (1) defaultable security pricing, (2) default intensity modeling, (3) comparative analysis of credit models, (4) comparative analysis of credit markets, (5) credit default swap (CDS) pricing, and (6) loan loss provisions. The article contributes through synthesizing and identifying...

  16. 78 FR 7264 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2013-02-01

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [TD 9611] RIN 1545-BL49 Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. SUMMARY: This document contains final regulations relating to the health insurance premium tax credit...

  17. 77 FR 41048 - Health Insurance Premium Tax Credit; Correction

    Science.gov (United States)

    2012-07-12

    ... the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [TD 9590] RIN 1545-BJ82 Health Insurance Premium Tax Credit; Correction AGENCY: Internal Revenue Service (IRS), Treasury. ACTION...

  18. Environmental services coupled to food products and brands: food companies interests and on-farm accounting.

    Science.gov (United States)

    Kempa, Daniela

    2013-09-01

    Much research has been carried out on governmental support of agri environmental measures (AEM). However, little is known about demands on and incentives from the commercial market for environmental contributions of the farmers. The factors farm structures, level of remuneration and legal framework have been thoroughly investigated. However, demands of the food industry for environmentally friendly goods(1) and their effects on farmers' decisions have not yet been analyzed. Leading companies in the food industry have observed an increasing consumer awareness and, due to higher competition, see an additional need to communicate environmental benefits which result from either organic production methods or agri-environmental measures. To address this research deficit, two case studies were carried out. The first case study is a survey aimed at the industrial food producers' demands with regards to the environmental performance of supplying farms. Concurrently, within a second survey farmers were questioned to find out what conditions are required to implement agri-environmental measures beyond cross compliance and document their environmental performance. This article presents the outcomes of the first case study. The results show that food companies have an interest in the documentation of environmental benefits of supplying farms for their marketing strategies. Provision of support by finance or contract-design is also seen as appropriate tool to promote an environmentally friendly production. In turn the food producers' demand and support for documented environmental services can have a positive influence on farmers' decisions for implementation and documentation of these services. Thus, the surveys provide essential findings for further development of documentation strategies for environmental benefits within the supply chain. Copyright © 2012 Elsevier Ltd. All rights reserved.

  19. MANAGEMENT OF CREDIT LOSSES

    Directory of Open Access Journals (Sweden)

    Natalya P. Anoshkina

    2018-06-01

    Full Text Available The paper is devoted to the problem of credit loss management topical for modern Russian science and banking practice. The bank’s lending activity is an integral and the most profitable sphere of banking activity. Banks need to take credit risks inherent in their core business and minimize their impact through the establishment of advanced risk management systems. The study, reflected in the present paper, has been conducted in order to determine approaches to the organization of credit loss management in banking. Analysis of the system of management of credit risks and credit losses has shown that they have different scope, object and purpose. In this connection, there is an objective necessity to create a special subsystem for the management of credit losses in banks. On the basis of common bank approaches to credit risk management, the paper develops models of credit loss management: a multi-level management model in the area of ‘operational-tactical-strategic management’ and a functional management model in the area of ‘technology-execution-control’. These models are important for the modern theory and practice of banking, as they allow the bank to manage credit losses on the entire time horizon of the management process, thus opening a wide range of opportunities for the creation and implementation of large-scale programs, as well as specific techniques. This study allows drawing a conclusion about the need to consider control credit losses as a strictly regulated multi-level process, in which each division is assigned with specific objectives, tasks, functions, formally enshrined in the relevant lists, job descriptions and other legal documents.

  20. Poverty and Environmental Services: Case Study in Way Besai Watershed, Lampung Province, Indonesia

    Directory of Open Access Journals (Sweden)

    S. Suyanto

    2007-12-01

    Full Text Available Local communities in developing countries are often forbidden to earn their livelihood from state-owned forests, but nonetheless local people commonly manage these lands and depend on them to survive. In these places, community participation is the key to successful conservation programs intended to rehabilitate environmental functions and produce environmental services for beneficiaries outside the area. This paper reviews the relationship between poverty and environmental services and briefly discusses the main ways in which approaches that rely on payment for environmental services are thought likely to alleviate poverty. It also discusses the poverty profile and inequality of upland dwellers in the Sumberjaya watershed in Indonesia's Lampung Province, using income, education, and land-holding indicators. Data related to these three indicators were collected from intensive household surveys and interviews and used via Gini decomposition to measure inequality. In addition, analysis of data on stem at breast height and horizontal root diameter of coffee and other noncoffee trees planted on coffee farms showed that index of root shallowness could be used as an estimator of environmental services. This study revealed that state forest land in Lampung Province, Indonesia, not only provides important income for poor farmers but also leads to a more equitable distribution of income and land holdings. These farmers have also successfully rehabilitated degraded land by establishing coffee-based agroforestry. As found in other recent studies, these findings show that coffee-based agroforestry can perform watershed service functions similar to those of natural, undisturbed forests. This supports the argument that poor farmers who provide environmental services through their activities in state-owned forests should be rewarded with land rights as a policy to alleviate poverty.

  1. Guidelines for evaluating the environmental performance of Product/Service-Systems through life cycle assessment

    DEFF Research Database (Denmark)

    Kjær, Louise Laumann; Pigosso, Daniela C. A.; McAloone, Tim C.

    2018-01-01

    Product/Service-Systems (PSS) such as integrated solutions, performance-based contracts or sharing systems are often proposed as means to enable improved environmental sustainability. However, PSS are not necessarily environmentally benign compared to conventional systems. Quantitative environmen......Product/Service-Systems (PSS) such as integrated solutions, performance-based contracts or sharing systems are often proposed as means to enable improved environmental sustainability. However, PSS are not necessarily environmentally benign compared to conventional systems. Quantitative....... In this article, we propose a set of guidelines consisting of six steps, which elaborates the LCA process with respect to the specific consideration for PSS assessment. The guidelines were developed based on identified challenges for the application of LCA on PSS, a review of existing LCAs on PSS case studies...

  2. The impact of the economic downturn on environmental health services and professionals in North Carolina.

    Science.gov (United States)

    Weston-Cox, Paula

    2012-06-01

    The objective of the authors' study was to examine the impact of the economic recession on the environmental health profession between budget year (BY) 2006-2007 and BY 2010-2011 in the following areas: (1) environmental health department fees for services; (2) changes in staffing levels, benefits, or pay; (3) changes in staff responsibilities; and (4) the impact to the private environmental sector compared to public environmental health professionals. Data were summarized from the following surveys: North Carolina Environmental Health Supervisors Association Fee and Economic Surveys; University of North Carolina Chapel Hill School of Government Current Salary Index; and a created online survey of private-sector environmental professionals. Total fees in the public sector for services have risen for most environmental health departments, but not enough to offset budget reductions. All of the counties that participated in the survey either have reduced staff, pay, or benefits due to budget cuts, and some counties utilized staff in other areas through cross-training. The private environmental sector also reduced staff in response to a reduced workload. Public sector employers may have difficulties retaining existing employees and recruiting new employees over the long-term in the current economic climate.

  3. Public-private partnership case studies: Profiles of success in providing environmental services (September 1990)

    International Nuclear Information System (INIS)

    1990-09-01

    The report examines 23 case studies of public-private partnerships throughout the United States. They are organized by three environmental service areas: solid waste, wastewater treatment, and drinking water. The introduction explains the types and benefits of public-private partnerships and Chapter II lists the attributes of successful partnerships. The remainder of the report emphasizes case study examples in solid waste, wastewater treatment, and drinking water. Individual chapters are devoted to each of the three environmental service areas. Each case study is presented in a similar format which provides the reader with basic information on how the partnership was formed and implemented, as well as characteristics of the community

  4. The economic value of the flow regulation environmental service in a Brazilian urban watershed

    Science.gov (United States)

    Marques, Guilherme F.; de Souza, Verônica B. F. S.; Moraes, Natália V.

    2017-11-01

    Urban flood management have often focused either on the capacity expansion of drainage systems or on artificial detention storage. While flood control should take part early on urban planning, not enough is known to guide such plans and provide incentive to land use decisions that minimize the vulnerability to localized floods. In this paper, we offer a broader perspective on flood protection, by treating the original hydrologic flow regulation as an environmental service, and exploring how the value of this environmental service drives economic land use decisions that convert original (permeable) land into urbanized (impermeable). We investigate the relationship between land use decisions and their hydrologic consequences explicitly, and use this relationship to simulate resulting land use scenarios depending on the value attached to the environmental service of flow regulation. Rainfall-runoff simulation model results are combined to an optimization model based on two-stage stochastic programming approach to model economic land use decisions. The objective function maximizes the total expected land use benefit in an urban area, considering the opportunity cost of permeable areas in the first stage and the resulting loss of the environmental service of flow regulation on the second stage, under several probable hydrological events. A watershed in the city of Belo Horizonte, Brazil, is used to demonstrate the approach. Different values attached to the environmental service were tested, from zero to higher than the opportunity cost of land, and artificial detention infrastructure was included to calculate the resulting land use change and the loss in the environmental service value. Results indicate that by valuing the environmental service loss and discounting it from the economic benefits of land use, alternative solutions to land use are found, with decreased peak flows and lower flood frequency. Combined solutions including structural and non

  5. Public-private partnership case studies: Profiles of success in providing environmental services (September 1990)

    Energy Technology Data Exchange (ETDEWEB)

    1990-09-01

    The report examines 23 case studies of public-private partnerships throughout the United States. They are organized by three environmental service areas: solid waste, wastewater treatment, and drinking water. The introduction explains the types and benefits of public-private partnerships and Chapter II lists the attributes of successful partnerships. The remainder of the report emphasizes case study examples in solid waste, wastewater treatment, and drinking water. Individual chapters are devoted to each of the three environmental service areas. Each case study is presented in a similar format which provides the reader with basic information on how the partnership was formed and implemented, as well as characteristics of the community.

  6. 77 FR 59544 - New Markets Tax Credit Non-Real Estate Investments

    Science.gov (United States)

    2012-09-28

    ... Markets Tax Credit Non-Real Estate Investments AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... communities. The final regulations affect taxpayers claiming the new markets tax credit and businesses in low... 45D(a)(1), a taxpayer may claim a new markets tax credit on certain credit allowance dates described...

  7. 77 FR 15003 - Passive Activity Losses and Credits Limited; Hearing

    Science.gov (United States)

    2012-03-14

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [REG-109369-10] RIN 1545-BJ33 Passive Activity Losses and Credits Limited; Hearing AGENCY: Internal Revenue Service (IRS), Treasury. [[Page 15004

  8. An Analysis of Pre-Service Teachers' Attitudes towards Environmental Issues in Terms of Various Variables

    Science.gov (United States)

    Sarikaya, Rabia; Saraç, Esra

    2018-01-01

    In this study, the attitudes of the pre-service teachers towards environmental issues are analysed by such variables as gender, the department of education, year, department, taking or not taking environmental education course, participating in any environmental activity, being a member of any environmental organization, and the longest duration…

  9. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

    Credit risk is today one of the most intensely studied topics in quantitative finance. This book provides an introduction and overview for readers who seek an up-to-date reference to the central problems of the field and to the tools currently used to analyze them. The book is aimed at researchers...... and students in finance, at quantitative analysts in banks and other financial institutions, and at regulators interested in the modeling aspects of credit risk. David Lando considers the two broad approaches to credit risk analysis: that based on classical option pricing models on the one hand...

  10. Studies on Experimental Ontology and Knowledge Service Development in Bio-Environmental Engineering

    Science.gov (United States)

    Zhang, Yunliang

    2018-01-01

    The existing domain-related ontology and information service patterns are analyzed, and the main problems faced by the experimental scheme knowledge service were clarified. The ontology framework model for knowledge service of Bio-environmental Engineering was proposed from the aspects of experimental materials, experimental conditions and experimental instruments, and this ontology will be combined with existing knowledge organization systems to organize scientific and technological literatures, data and experimental schemes. With the similarity and priority calculation, it can improve the related domain research.

  11. 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...

  12. Credit derivatives in emerging markets

    OpenAIRE

    Romain Rancière

    2002-01-01

    Credit Derivatives are securities that offer protection against credit or default risk of bonds or loans. The credit derivatives emerging market has grown rapidly and credit derivatives are widely used. This paper describes the emerging credit derivatives market structure. The current market activity is analyzed through elementary pricing dynamics and the study of the term structure of default risk. Focusing on the performance of credit derivatives in stress situation, including legal and mar...

  13. Organizing urban ecosystem services through environmental stewardship governance in New York City

    Science.gov (United States)

    James J. Connolly; Erika S. Svendsen; Dana R. Fisher; Lindsay K. Campbell

    2013-01-01

    How do stewardship groups contribute to the management of urban ecosystem services? In this paper, we integrate the research on environmental stewardship with the social-ecological systems literature to explain how stewardship groups serve as bridge organizations between public agencies and civic organizations, working across scales and sectors to build the flexible...

  14. Tools for Teaching Cognitive Psychology: Using Public Service Announcements for Education on Environmental Sustainability

    Science.gov (United States)

    Hager, Lisa D.

    2011-01-01

    To understand the relevance of cognitive psychology, students in a cognitive psychology course were required to complete a detailed plan for a public service announcement focusing on environmental issues. The final exam was a Microsoft Office PowerPoint presentation incorporating at least eight concepts from the course. Students in the course…

  15. 77 FR 59921 - Wisconsin Public Service Corporation; Notice of Environmental Site Review

    Science.gov (United States)

    2012-10-01

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Project No. 1940-000 Wisconsin; Project No. 1966-000 Wisconsin] Wisconsin Public Service Corporation; Notice of Environmental Site Review In anticipation of the filing of Notices of Intent (NOI) and Pre- Application Documents for the Grandfather Falls Hydroelectric Project No. 1966 and...

  16. Payment for Environmental Services: mobilising an epistemic community to construct dominant policy

    NARCIS (Netherlands)

    Rodriguez de Francisco, J.C.; Boelens, R.A.

    2015-01-01

    The alleged capacity of Payment for Environmental Services (PES) to reach conservation policy goals, while reducing poverty in a cost-effective manner, makes it an extremely attractive development instrument for policymakers and international funding agencies. This article reconstructs the process

  17. Designing a Business Model for Environmental Monitoring Services Using Fast MCDS Innovation Support Tools

    Directory of Open Access Journals (Sweden)

    Tuomo Eskelinen

    2017-11-01

    Full Text Available The free availability of open data provides opportunities to start new businesses and gain business intelligence. However, although data is often used to support decisions and actions, the possibilities offered by modern sensor technologies with connections to cloud-based data collection services are not being effectively capitalized. Data collection systems are also not generally open source solutions, even though open and flexibly adjustable systems would broaden the opportunities for solutions and larger revenue streams. In this article, we used action research methods to discover new business opportunities in a semi-open information system that utilizes environmental monitoring data. We applied a four-stage innovation process for industry, which included context definition, idea generation, and selection, and produced multi-criteria decision support (MCDS data to help the design of business model. This was done to reveal business opportunities for an environmental monitoring service. Among these opportunities, one service-style business model canvas was identified as feasible and selected for further development. We identified items that are needed in the commercialization process of environmental monitoring services. Our process combines open environmental monitoring data, participative innovation process, and MCDS support, and it supports and accelerates a co-creative business model creation process that is cost-beneficial in terms of saving time. The results are applicable to the creation of an open data information system that supports data-driven innovation.

  18. Environmental Control Plan for the Industrial Hygiene Field Services Facility; TOPICAL

    International Nuclear Information System (INIS)

    J. W. Donnelly

    2001-01-01

    This environmental control plan is for the Hanford Site's industrial hygiene field services facility, located in the 100-N Area. The facility is used for the maintenance and storage of respirators, respiratory equipment and testing, calibration and testing of industrial hygiene equipment, and asbestos fiber counting

  19. 75 FR 52045 - Arizona Public Service Company, Palo Verde Nuclear Generating Station, Unit 3; Environmental...

    Science.gov (United States)

    2010-08-24

    ... Company, Palo Verde Nuclear Generating Station, Unit 3; Environmental Assessment and Finding of No.... NPF-74, issued to Arizona Public Service Company (APS, the licensee), for operation of Palo Verde... Statement for the Palo Verde Nuclear Generating Station, NUREG-0841, dated February 1982. Agencies and...

  20. A Study on an appropriate operating system of environmental basic facility service industry

    Energy Technology Data Exchange (ETDEWEB)

    Moon, Hyun Joo [Korea Environment Institute, Seoul (Korea)

    1998-12-01

    The environmental basic facility service industry is designed to have a structural reorganization of general operating system and the efficient and effective participation of private industry and regulation of industry in connection with the general system. 35 refs., 9 figs., 20 tabs.

  1. A Service-Learning Project in Chemistry: Environmental Monitoring of a Nature Preserve

    Science.gov (United States)

    Kammler, David C.; Truong, Triet M.; VanNess, Garrett; McGowin, Audrey E.

    2012-01-01

    A collaborative environmental service-learning project was implemented between upper-level undergraduate science majors and graduate chemistry students at a large state school and first-year students at a small private liberal arts college. Students analyzed the water quality in a nature preserve by determining the quantities of 12 trace metals,…

  2. The Environmental Restoration Contractor Publication and Graphic Services style and resources guide. Revision 1

    International Nuclear Information System (INIS)

    Forbes, C.J.

    1997-06-01

    The Environmental Restoration Contractor (ERC) Publication and Graphic Services (P ampersand GS) Style and Resources Guide (Rev. 1) presents instructions, uniform conventions, guidelines, specifications, requirements, and detailed process steps that will increase efficiency and reduce costs for ERC organizations, including subcontractors. This Guide also identifies P ampersand GS capabilities that can be provided to support ERC multimedia needs

  3. Burnup credit in Spain

    International Nuclear Information System (INIS)

    Conde, J.M.; Recio, M.

    2001-01-01

    The status of development of burnup credit for criticality safety analyses in Spain is described in this paper. Ongoing activities in the country in this field, both national and international, are resumed. Burnup credit is currently being applied to wet storage of PWR fuel, and credit to integral burnable absorbers is given for BWR fuel storage. It is envisaged to apply burnup credit techniques to the new generation of transport casks now in the design phase. The analysis methodologies submitted for the analyses of PWR and BWR fuel wet storage are outlined. Analytical activities in the country are described, as well as international collaborations in this field. Perspectives for future research and development of new applications are finally resumed. (author)

  4. Towards the Design of a WAP-based Environmental Information Service

    Directory of Open Access Journals (Sweden)

    Joerg Westbomke

    2004-12-01

    Full Text Available Cellular phones have almost replaced conventional telephones for public use in Western European countries. Modern WAP enhanced phones or smart phones offer mobile access to the internet, anytime and anyplace. This technique therefore appears to be very attractive for transferring up-to-date information about the environmental situation to the public, i.e. air and water quality measurements or weather conditions as well as forecasted values of these processes. The Wireless Application Protocol (WAP is the key technology in this respect. According to the upcoming importance of mobile internet access the WAP technology has great potentials to play an important role in the design of modern information services which are user centered. Because of upcoming environmental laws in Europe the citizen will gain the right to access the environmental information collected and stored by the public authorities. But due to size and resolution of the displays used in the actual versions of the cellular phones it is not sufficient to transfer the concepts and architectures known from internet information systems to WAP-based systems. It is rather necessary to develop special concepts for the design of WAPbased services, with a special focus on the appropriate structuring and presentation of environmental data. This paper gives an overview of the main problems WAP system designer had actually to deal with and shows concepts how to solve them. At the end of the paper we present two mobile environmental information services, which were realized on the basis of the presented concepts.

  5. An Item Bank to Measure Systems, Services, and Policies: Environmental Factors Affecting People With Disabilities.

    Science.gov (United States)

    Lai, Jin-Shei; Hammel, Joy; Jerousek, Sara; Goldsmith, Arielle; Miskovic, Ana; Baum, Carolyn; Wong, Alex W; Dashner, Jessica; Heinemann, Allen W

    2016-12-01

    To develop a measure of perceived systems, services, and policies facilitators (see Chapter 5 of the International Classification of Functioning, Disability and Health) for people with neurologic disabilities and to evaluate the effect of perceived systems, services, and policies facilitators on health-related quality of life. Qualitative approaches to develop and refine items. Confirmatory factor analysis including 1-factor confirmatory factor analysis and bifactor analysis to evaluate unidimensionality of items. Rasch analysis to identify misfitting items. Correlational and analysis of variance methods to evaluate construct validity. Community-dwelling individuals participated in telephone interviews or traveled to the academic medical centers where this research took place. Participants (N=571) had a diagnosis of spinal cord injury, stroke, or traumatic brain injury. They were 18 years or older and English speaking. Not applicable. An item bank to evaluate environmental access and support levels of services, systems, and policies for people with disabilities. We identified a general factor defined as "access and support levels of the services, systems, and policies at the level of community living" and 3 local factors defined as "health services," "community living," and "community resources." The systems, services, and policies measure correlated moderately with participation measures: Community Participation Indicators (CPI) - Involvement, CPI - Control over Participation, Quality of Life in Neurological Disorders - Ability to Participate, Quality of Life in Neurological Disorders - Satisfaction with Role Participation, Patient-Reported Outcomes Measurement Information System (PROMIS) Ability to Participate, PROMIS Satisfaction with Role Participation, and PROMIS Isolation. The measure of systems, services, and policies facilitators contains items pertaining to health services, community living, and community resources. Investigators and clinicians can measure

  6. Critical Zone services as environmental assessment criteria in intensively managed landscapes

    Science.gov (United States)

    Richardson, Meredith; Kumar, Praveen

    2017-06-01

    The Critical Zone (CZ) includes the biophysical processes occurring from the top of the vegetation canopy to the weathering zone below the groundwater table. CZ services provide a measure for the goods and benefits derived from CZ processes. In intensively managed landscapes, cropland is altered through anthropogenic energy inputs to derive more productivity, as agricultural products, than would be possible under natural conditions. However, the actual costs of alterations to CZ functions within landscape profiles are unknown. Through comparisons of corn feed and corn-based ethanol, we show that valuation of these CZ services in monetary terms provides a more concrete tool for characterizing seemingly abstract environmental damages from agricultural production systems. Multiple models are combined to simulate the movement of nutrients throughout the soil system, enabling the measurement of agricultural anthropogenic impacts to the CZ's regulating services. Results indicate water quality and atmospheric stabilizing services, measured by soil carbon storage, carbon respiration, and nitrate leaching, among others, can cost more than double that of emissions estimated in previous studies. Energy efficiency in addition to environmental impact is assessed to demonstrate how the inclusion of CZ services is necessary in accounting for the entire life cycle of agricultural production systems. These results conclude that feed production systems are more energy efficient and less environmentally costly than corn-based ethanol.

  7. Seibt: Environmental engineering. 4th edition, 1995. Buyer's guide for environmental engineering. Products, suppliers, services

    International Nuclear Information System (INIS)

    Anon.

    1995-01-01

    The book lists more than 8,900 enterprises in German-speaking countries and informs the reader about their products and services. A product index with more than 7,000 entries facilitates access to the desired information. For each product, suppliers and producers are liested in the main part of the buyer's guide with their complete address, telephone number, and fax number. In addition, there is an alphabetic list of suppliers and a section on trademarks. The nomenclature according to which the book is structured is continually revised and updated by experts

  8. The Conditions for Functional Mechanisms of Compensation and Reward for Environmental Services

    Directory of Open Access Journals (Sweden)

    Brent M. Swallow

    2010-12-01

    Full Text Available Mechanisms of compensation and reward for environmental services (CRES are becoming increasingly contemplated as means for managing human-environment interactions. Most of the functional mechanisms in the tropics have been developed within the last 15 years; many developing countries still have had little experience with functional mechanisms. We consider the conditions that foster the origin and implementation of functional mechanisms. Deductive and inductive approaches are combined. Eight hypotheses are derived from theories of institution and policy change. Five case studies, from Latin America, Africa, and Asia, are then reviewed according to a common framework. The results suggest the following to be important conditions for functional CRES mechanisms: (1 localized scarcity for particular environmental services, (2 influence from international environmental agreements and international organizations, (3 government policies and public attitudes favoring a mixture of regulatory and market-based instruments, and (4 security of individual and group property rights.

  9. Mapping environmental land use conflict potentials and ecosystem services in agricultural watersheds.

    Science.gov (United States)

    Kim, Ilkwon; Arnhold, Sebastian

    2018-07-15

    In mountainous watersheds, agricultural land use cause changes in ecosystem services, with trade-offs between crop production and erosion regulation. Management of these watersheds can generate environmental land use conflicts among regional stakeholders with different interests. Although several researches have made a start in mapping land use conflicts between human activities and conservation, spatial assessment of land use conflicts on environmental issues and ecosystem service trade-offs within agricultural areas has not been fully considered. In this study, we went further to map land use conflicts between agricultural preferences for crop production and environmental emphasis on erosion regulation. We applied an agricultural land suitability index, based on multi-criteria analysis, to estimate the spatial preference of agricultural activities, while applying the Revised Universal Soil Loss Equation (RUSLE) to reflect the environmental importance of soil erosion. Then, we classified the agricultural catchment into four levels of land use conflicts (lowest, low, high and highest) according to preference and importance of farmland areas, and we compared the classes by crop type. Soil loss in agricultural areas was estimated as 45.1thayr, and agricultural suitability as 0.873; this indicated that land use conflicts in the catchment could arise between severe soil erosion (environmental importance) and agricultural suitability (land preferences). Dry-field farms are mainly located in areas of low land use conflict level, where land preference outweighs environmental importance. When we applied farmland management scenarios with consideration of services, conversion to highest-conflict areas (Scenario 1) as 7.5% of the total area could reduce soil loss by 24.6%, while fallow land management (Scenario 2) could decrease soil loss 19.4% more than the current scenario (Business as usual). The result could maximize land management plans by extracting issues of spatial

  10. 5 CFR 847.902 - How does an election to credit NAFI service for immediate CSRS or FERS retirement under subpart H...

    Science.gov (United States)

    2010-01-01

    ... elects to use NAFI service to qualify for an immediate CSRS or FERS retirement benefit will be reduced to ensure the present value of the benefits payable will be actuarially equivalent to those that would have...

  11. A History of the Environmental Management Advisory Board: 20 Years of Service and Partnership - 13219

    International Nuclear Information System (INIS)

    Ellis, Kristen; Schmitt, Elizabeth

    2013-01-01

    The Environmental Management Advisory Board (EMAB or Board) was chartered under the Federal Advisory Committee Act (FACA) in 1992 to provide the Assistant Secretary for Environmental Management (EM) with independent and external advice, information, and recommendations on corporate issues relating to accelerated site clean-up and risk reduction throughout the EM complex. Over the course of the past 20 years, the composition and focus of the Board have varied widely to address the changing needs of the program. EMAB began as the Environmental Restoration and Waste Management Advisory Committee, formed to provide advice on an EM Programmatic Environmental Impact Statement. In 1994, the Board was restructured to function more as an executive-level, limited member advisory board whose membership provides insight of leading industry experts and the viewpoints of representatives from critical stakeholder constituencies. Throughout the 20 years of its existence, EMAB has covered a wide variety of topics and produced nearly 200 recommendations. These recommendations have resulted in several policy changes and improvements within EM. Most recently, EMAB has been credited for its contribution to the EM Energy Park Initiative, forerunner of the DOE Asset Revitalization Initiative; creation of the EM Offices of Communications and External Affairs; improvement of acquisition and project management strategies and culture; and several recommendations related to the Waste Treatment Plant and the tank waste programs at Hanford and the Savannah River Site. The wealth of experience and knowledge the Assistant Secretary can leverage through utilization of the Board continues to support fulfillment of EM's mission. In commemoration of EMAB's 20. anniversary, this paper will provide further context for the evolution of the Board, the role FACA plays in its administration, and a look at the members' current objectives and EM's expectations for the future. (authors)

  12. A History of the Environmental Management Advisory Board: 20 Years of Service and Partnership - 13219

    Energy Technology Data Exchange (ETDEWEB)

    Ellis, Kristen; Schmitt, Elizabeth [Environmental Management Advisory Board, US DoE (United States)

    2013-07-01

    The Environmental Management Advisory Board (EMAB or Board) was chartered under the Federal Advisory Committee Act (FACA) in 1992 to provide the Assistant Secretary for Environmental Management (EM) with independent and external advice, information, and recommendations on corporate issues relating to accelerated site clean-up and risk reduction throughout the EM complex. Over the course of the past 20 years, the composition and focus of the Board have varied widely to address the changing needs of the program. EMAB began as the Environmental Restoration and Waste Management Advisory Committee, formed to provide advice on an EM Programmatic Environmental Impact Statement. In 1994, the Board was restructured to function more as an executive-level, limited member advisory board whose membership provides insight of leading industry experts and the viewpoints of representatives from critical stakeholder constituencies. Throughout the 20 years of its existence, EMAB has covered a wide variety of topics and produced nearly 200 recommendations. These recommendations have resulted in several policy changes and improvements within EM. Most recently, EMAB has been credited for its contribution to the EM Energy Park Initiative, forerunner of the DOE Asset Revitalization Initiative; creation of the EM Offices of Communications and External Affairs; improvement of acquisition and project management strategies and culture; and several recommendations related to the Waste Treatment Plant and the tank waste programs at Hanford and the Savannah River Site. The wealth of experience and knowledge the Assistant Secretary can leverage through utilization of the Board continues to support fulfillment of EM's mission. In commemoration of EMAB's 20. anniversary, this paper will provide further context for the evolution of the Board, the role FACA plays in its administration, and a look at the members' current objectives and EM's expectations for the future. (authors)

  13. Balancing tradeoffs: Reconciling multiple environmental goals when ecosystem services vary regionally

    Science.gov (United States)

    O’Connell, Christine S.; Carlson, Kimberly M.; Cuadra, Santiago; Feeley, Kenneth J.; Gerber, James; West, Paul C.; Polasky, Stephen

    2018-06-01

    As the planet’s dominant land use, agriculture often competes with the preservation of natural systems that provide globally and regionally important ecosystem services. How agriculture impacts ecosystem service delivery varies regionally, among services being considered, and across spatial scales. Here, we assess the tradeoffs between four ecosystem services—agricultural production, carbon storage, biophysical climate regulation, and biodiversity—using as a case study the Amazon, an active frontier of agricultural expansion. We find that the highest values for each of the ecosystem services are concentrated in different regions. Agricultural production potential and carbon storage are highest in the north and west, biodiversity greatest in the west, and climate regulation services most vulnerable to disruption in the south and east. Using a simple optimization model, we find that under scenarios of agricultural expansion that optimize total production across ecosystem services, small increases in priority for one ecosystem service can lead to reductions in other services by as much as 140%. Our results highlight the difficulty of managing landscapes for multiple environmental goals; the approach presented here can be adapted to guide value-laden conservation decisions and identify potential solutions that balance priorities.

  14. Can rewards for environmental services benefit the poor? Lessons from Asia

    Directory of Open Access Journals (Sweden)

    Beria Leimona

    2009-04-01

    Full Text Available Pro-poor rewards for environmental services (RES link global priorities on poverty reduction and environmental sustainability. Emerging approaches to payment for environmental services vary in mechanism and form of payment. Rural poverty is multidimensional and the poverty syndromes vary with the intensity of landscape use and management, with the solution to lack of access to markets, education and healthcare associated with loss of natural capital. RES mechanisms have to balance effectiveness and efficiency with fairness and pro-poor characteristics, with transaction costs as obstacles to both. The economic perspective on financial transfers needs to be balanced with the social and environmental paradigms of fairness. Our first hypothesis is that only under specific circumstances, actual cash incentive to individual participants of RES will contribute substantially to poverty alleviation of ES providers. The second hypothesis is that non-financial incentive to ES providers will contribute to reducing poverty by linking the community (participants and non-participants to access to capital types (human, social/political, natural, infrastructure and financial, such as microcredit. Review of key ratios of relative number and wealth of service providers and beneficiaries supports the first hypothesis and rejects the notion of widespread potential for reducing upstream rural poverty through individual cash payments. Results of community focus group discussions support the second hypothesis through context-specific preferences for the mechanisms by which RES can trigger conditions for sustainable development.

  15. Principles for Fairness and Efficiency in Enhancing Environmental Services in Asia: Payments, Compensation, or Co-Investment?

    NARCIS (Netherlands)

    Noordwijk, van M.; Beria, L.

    2010-01-01

    The term payments for environmental services (PES) has rapidly gained popularity, with its focus on market-based mechanisms for enhancing environmental services (ES). Current use of the term, however, covers a broad spectrum of interactions between ES suppliers and beneficiaries. A broader class of

  16. 77 FR 9960 - Final Environmental Impact Statement for Extension of F-Line Streetcar Service to Fort Mason...

    Science.gov (United States)

    2012-02-21

    ... Environmental Impact Statement for Extension of F-Line Streetcar Service to Fort Mason Center, San Francisco, CA... Environmental Impact Statement for the Extension of F-Line Streetcar Service to Fort Mason Center, San Francisco... the extension of the historic streetcar F-line from Fisherman's Wharf to the Fort Mason Center, in San...

  17. Environmental justice research shows the importance of social feedbacks in ecosystem service trade-offs

    Directory of Open Access Journals (Sweden)

    Neil M. Dawson

    2017-09-01

    Full Text Available In this article, we shine a spotlight on approaches to research ecosystem service trade-offs and critically assess their representation of relevant social dynamics. Although studies linking ecosystem services and human well-being have provided theoretical insights into social and ecological trade-offs, we argue that ecosystem services research has paid insufficient attention to "social feedbacks," people's cognitive and behavioral responses to change. We demonstrate that augmenting ecosystem services research with environmental justice approaches (exploring perceptions of the distribution of costs and benefits, decision making procedures, and recognition of different values and identities can more effectively capture important responses to ecosystem governance. Spatial analysis of land use change, mixed-method assessment of multidimensional well-being, and qualitative environmental justice research were applied in three villages adjacent to Nam Et-Phou Louey National Protected Area in northern Laos. Spatial analysis showed that, from 2006 to 2015, forest clearance for cultivation remained stable within the protected area. Well-being assessment revealed the local population benefited from rapidly increasing incomes, asset ownership, and reduced poverty during that time. In combination, spatial and well-being analyses paint a picture of limited trade-offs, despite growing incentives to exploit protected land and resources through cash crops and high-value forest products. In contrast, results from environmental justice research revealed profound trade-offs between conservation and local practices, and highlight governance deficiencies relating to procedure and recognition. Consequently, formal protected area rules were perceived to be illegitimate by many and actively undermined, for example through negotiated access with alternative authorities. We conclude that although well-being research provides an essential foundation to understand diverse

  18. [Environmental medicine in public health service--a social responsibility and its consequences].

    Science.gov (United States)

    Thriene, B

    2001-02-01

    The special committee for "Environmental Medicine" established by the Federal Association of Doctors in the German Public Health Service presents its paper entitled "Environmental Medicine in the Public Health Service--A Social Responsibility and its Consequences: Propositions with regard to the situation, aims, strategies, and opportunities for action". The paper includes core ideas and responsibilities in the public health service. It aims at providing a number of guidelines for implementing "Environment and Health" ("Umwelt und Gesundheit"), an action programme by the Federal Ministry of Environmental Protection and the Ministry of Health, as well as "Health 21" ("Gesundheit 21"), the framework concept "Health for all" for the WHO's European Region. The paper also aims at initiating and facilitating steps for joint action by the Public Health Service. These theses were passed on to Mrs. Andrea Fischer, the Federal Minister of Health, during a meeting with the Board of the Association. In Germany, environment-related public health protection is well established in the Public Health Departments and state institutes/departments within the scope of public health provision and disease prevention. Typical responsibilities include environmental hygiene and environment-related medical services which have increased in importance. The range of responsibilities and its current political importance are a result of environment-related public health risks, the social situation of the population, also with regard to health issues, and the scope of responsibilities and competencies by doctors and staff in the public health departments. With the people's demands for health, quality of life and life expectancy, this need for action increases. In this paper, judicial, professional, and personal consequence are presented which arise as public health authorities assume these responsibilities.

  19. Outline of High School Credit Courses.

    Science.gov (United States)

    South Carolina State Dept. of Education, Columbia.

    An outline is presented of the objectives and content of courses offered for credit in high schools in South Carolina. Courses in the following subjects are described: (1) art; (2) drama; (3) driver education; (4) environmental education; (5) foreign language: French, German, Russian, Spanish; (6) health; (7) language arts; (8) mathematics; (9)…

  20. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

    Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim

    2010-01-01

    During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... estate sector each addressing three interlinked levels: building/ projects level, company or enterprise level and benchmarking system level. Additionally it has been based on dialogue with researchers and professional organisation, international research and standardisation work and national building...

  1. Environmental risk assessment for plant pests: a procedure to evaluate their impacts on ecosystem services.

    Science.gov (United States)

    Gilioli, G; Schrader, G; Baker, R H A; Ceglarska, E; Kertész, V K; Lövei, G; Navajas, M; Rossi, V; Tramontini, S; van Lenteren, J C

    2014-01-15

    The current methods to assess the environmental impacts of plant pests differ in their approaches and there is a lack of the standardized procedures necessary to provide accurate and consistent results, demonstrating the complexity of developing a commonly accepted scheme for this purpose. By including both the structural and functional components of the environment threatened by invasive alien species (IAS), in particular plant pests, we propose an environmental risk assessment scheme that addresses this complexity. Structural components are investigated by evaluating the impacts of the plant pest on genetic, species and landscape diversity. Functional components are evaluated by estimating how plant pests modify ecosystem services in order to determine the extent to which an IAS changes the functional traits that influence ecosystem services. A scenario study at a defined spatial and temporal resolution is then used to explore how an IAS, as an exogenous driving force, may trigger modifications in the target environment. The method presented here provides a standardized approach to generate comparable and reproducible results for environmental risk assessment as a component of Pest Risk Analysis. The method enables the assessment of overall environmental risk which integrates the impacts on different components of the environment and their probabilities of occurrence. The application of the proposed scheme is illustrated by evaluating the environmental impacts of the invasive citrus long-horn beetle, Anoplophora chinensis. © 2013.

  2. Latinos in the Credit Economy

    OpenAIRE

    Ralph, Lisa M.

    2010-01-01

    Access to consumer credit as a means of building wealth is one of the least examined forms of social inequality. The recent economic crisis in the United States has brought attention to the significance of consumer credit in our nation's economy; however, less understood are the specific obstacles and barriers that prevent low-income individuals from reaching the "American Dream." In an exploratory manner, this study compared credit access, credit literacy, and credit experience of low-income...

  3. Credit derivatives and risk management

    OpenAIRE

    Michael S. Gibson

    2007-01-01

    The striking growth of credit derivatives suggests that market participants find them to be useful tools for risk management. I illustrate the value of credit derivatives with three examples. A commercial bank can use credit derivatives to manage the risk of its loan portfolio. An investment bank can use credit derivatives to manage the risks it incurs when underwriting securities. An investor, such as an insurance company, asset manager, or hedge fund, can use credit derivatives to align its...

  4. Models of Credit Risk Measurement

    OpenAIRE

    Hagiu Alina

    2011-01-01

    Credit risk is defined as that risk of financial loss caused by failure by the counterparty. According to statistics, for financial institutions, credit risk is much important than market risk, reduced diversification of the credit risk is the main cause of bank failures. Just recently, the banking industry began to measure credit risk in the context of a portfolio along with the development of risk management started with models value at risk (VAR). Once measured, credit risk can be diversif...

  5. 40 CFR 1042.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715 Section 1042.715 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR POLLUTION..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention...

  6. 40 CFR 73.20 - Phase II early reduction credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Phase II early reduction credits. 73.20 Section 73.20 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) SULFUR DIOXIDE ALLOWANCE SYSTEM Allowance Allocations § 73.20 Phase II early reduction credits...

  7. 75 FR 60651 - Corporate Credit Unions

    Science.gov (United States)

    2010-10-01

    ...) setting forth the requirements and process for chartering corporate federal credit unions. DATES: Comments... commitment (i.e., letters and/or contracts used to substantiate projections); and Services and marketing... assurance that the management team will have the requisite skills--particularly in leadership, accounting...

  8. 32 CFR 643.116 - Credit unions.

    Science.gov (United States)

    2010-07-01

    ... buildings, without charge for rent or services, to any credit union organized under State law or to any... that, in either case, that 95 percent of the membership is composed of Federal employees, including former Federal employees who acquire membership while employed by the Federal Government and retained...

  9. Agricultural credit repayment in Finoteselam town, northwestern ...

    African Journals Online (AJOL)

    Administrator

    developing countries face three major problems: adverse selection ... The concept of providing subsidized credit service to the poor ... The performance of MFIs is evaluated based on their level of ... households in developing countries. ... formal banks as they use the mechanism of group lending. ...... Evidence from Ghana.

  10. ACCESS TO MICRO CREDIT AND ECONOMIC EMPOWERMENT ...

    African Journals Online (AJOL)

    Prof

    market women have a low socio-economic status due to financial and ... market women have little or no access to micro credit schemes largely .... industry contributes to its poor performance in servicing the needs of the poor especially .... single; 11.1% are either divorced or separated; 33.3% are widows whereas a larger.

  11. Fairly efficient or efficiently fair: success factors and constraints of payment and reward schemes for environmental services in Asia

    NARCIS (Netherlands)

    Beria, L.

    2011-01-01

    Payment for environmental service (PES) is strictly defined as a market-based environmental policy instrument to achieve environmental protection in the most efficient way. However, an increasing body of literature shows that the prescriptive conceptualization of PES cannot be easily generalized

  12. 32 CFR 231.8 - Procedures-overseas credit unions.

    Science.gov (United States)

    2010-07-01

    ... geographic franchise. (2) The extension of credit union service overseas is encouraged consistent with the... geographic franchise with a specific field of membership, the Secretary of the Military Department (or... geographic franchises assigned to credit unions serving DoD overseas installations. (ii) Where there is no Do...

  13. Access to rural banking credit by agribusiness investors in Ahiazu ...

    African Journals Online (AJOL)

    This paper examines access to rural banking credit by agribusiness investors and issues for policies in Ahiazu Mbaise local government area of Imo state. The work is important because the existence of limited access of agribusiness investors to formal rural banking credit and extension services is provided by extension ...

  14. 76 FR 50931 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2011-08-17

    ... Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care... be able to purchase private health insurance through State-based competitive marketplaces called...

  15. Surveying views on Payments for Ecosystem Services: implications for environmental management and research

    OpenAIRE

    Waylen, KJ; Martin-Ortega, J

    2018-01-01

    The concept of Payments for Ecosystem Services (PES) is globally of increasing interest. However, little is known about the views and expectations of professionals and practitioners expected to enable or implement this concept. Since these individuals design, select, shape and deliver environmental management, their views and expectations are critical to understanding how PES may play out in practice. Using the first survey on this topic, in the UK this research discusses the implications for...

  16. Environmentally friendly health care food services: a survey of beliefs, behaviours, and attitudes.

    Science.gov (United States)

    Wilson, Elisa D; Garcia, Alicia C

    2011-01-01

    There is increasing global interest in sustainability and the environment. A hospital/health care food service facility consumes large amounts of resources; therefore, efficiencies in operation can address sustainability. Beliefs, attitudes, and behaviours about environmentally friendly practices in hospital/health care food services were explored in this study. Questionnaires addressed environmentally friendly initiatives in building and equipment, waste management, food, and non-food procurement issues. The 68 participants included hospital food service managers, clinical dietitians, dietary aides, food technicians, and senior management. Data analysis included correlation analysis and descriptive statistics. Average scores for beliefs were high in building and equipment (90%), waste management (94%), and non-food procurement (87%), and lower in food-related initiatives (61%) such as buying locally, buying organic foods, buying sustainable fish products, and reducing animal proteins. Average positive scores for behaviours were positively correlated with beliefs (waste management, p=0.001; food, p=0.000; non-food procurement, p=0.002). Average positive scores for attitude in terms of implementing the initiatives in health care were 74% for building and equipment, 81% for waste management, 70% for non-food procurement, and 36% for food. The difference in food-related beliefs, behaviours, and attitudes suggests the need for education on environmental impacts of food choices. Research is recommended to determine facilitators and barriers to the implementation of green strategies in health care. As food experts, dietitians can lead changes in education, practice, and policy development.

  17. Research on evaluation of third-party governance operation services for environmental pollution

    Science.gov (United States)

    Xu, Bingsheng; Ling, Lin; Jin, Huang

    2017-11-01

    This paper focuses on the evaluation of third-party governance operation services for environmental pollution, and determines the evaluation indicator system composed of 5 primary indicators as the basic competence of enterprise, operation of equipment, technique economics, environmental benefit and management level, and 26 secondary indicators via policies and regulations, standards, literature research and expert consultation in combination with the composition elements, service value judgment factors and full-life cycle of the work, providing theoretical support for the effect evaluation of third-governance over the environmental pollution in China. Then, the hierarchical analytic matrix is formed by analyzing the environmental pollution governance evaluation indicator system via analytic hierarchy process and scoring the importance of various indicators by experts by applying the Delphi method. The feature vector of the matrix is then calculated to obtain the weight of each indicator and verify the effectiveness of the Delphi method and obtain the comprehensive weight by judging the consistency of the matrix, so as to finally determine the overall ordering level of the importance of secondary indicators.

  18. 食品安全社会信用体系建设的必要性和技术可行性%The necessity and Techical feasibitity of the social Food Safety Credit System

    Institute of Scientific and Technical Information of China (English)

    白凤梅

    2004-01-01

    It is essential to have perfect law system and improved social service system of food safety credit, and this is social service system of food safety credit and this is the management system of food safety credit.

  19. Recycling Mentors: an intergenerational, service-learning program to promote recycling and environmental awareness.

    Science.gov (United States)

    D'abundo, Michelle L; Fugate-Whitlock, Elizabeth I; Fiala, Kelly A

    2011-01-01

    The purpose of Recycling Mentors was to implement an intergenerational, service-learning program focused on promoting recycling and environmental awareness among students enrolled in Community Health (HEA 301) and Current Issues in Gerontology (GRN 440/540) and adults older than 60 years. Recycling Mentors was conducted in New Hanover County (NHC), North Carolina, where a moderate climate and coastal location attracts many tourists, retirees, and college students. A community like NHC is a good place to implement service-learning that educates both students and older adults about the benefits of recycling to individual health and the environment. During the Fall 2009 semester, undergraduate and graduate students completed institutional review board training and then conducted the program with older adults. The education component of Recycling Mentors included a pre/post survey, brochure, and scheduled visits. Overall, Recycling Mentors was positive service-learning experience with students identifying salient outcomes such as learning about recycling and the environment and working with older adults. In addition, teaching the education component of Recycling Mentors was good practice for students who will be the future health professionals. While service-learning and environmentally themed projects are common, a program that combines the 2 like Recycling Mentors is unique and has the potential to motivate individual change while positively impacting the local community and the environment.

  20. Recommendations for Alternative Credit.

    Science.gov (United States)

    Lenderman, Ed; And Others

    Following a review of the mathematics topics taught in accounting, electronics, auto, food and clothing, and metals courses at Linn-Benton Community College, Albany, Oregon, recommendations were made to grant one semester of mathematics credit for completing a two-year sequence of these courses. The other required semester of mathematics should be…

  1. Earned Income Tax Credit

    NARCIS (Netherlands)

    F.M. van Oers; R.A. de Mooij (Ruud)

    1998-01-01

    textabstractIn recent policy discussions in the Netherlands, the Earned Income Tax Credit (EITC) has been put forward as an effective instrument to reduce the unemployment rate among low-skilled workers. Using the MIMIC model, this article shows that a targeted EITC at low incomes indeed seems

  2. Waiting for tax credits

    International Nuclear Information System (INIS)

    Sheinkopf, K.

    1992-01-01

    This article examines the effect of tax credits and related legislation under consideration by Congress on the economics of the renewable energy industry. The topics discussed in the article include conflicting industry opinion on financial incentives, the effectiveness of current incentives, and alternative approaches. The article also includes a sidebar on tax incentives offered by state programs

  3. FACTORING- CREDIT OPPORTUNITIES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ADELA IONESCU

    2013-05-01

    Full Text Available Capital is the main factor of production, business development becomes virtually impossible without taking into account the financial market and the resources it provides to businesses. Any business, regardless of its degree of development, is involving direct contact with financial markets, namely the institutions that mediate mobilization of capital and the services they provide. Understanding the functioning of the financial system, the specific financial mechanisms through which savings are allocated to support capital investments and the costs and risks involved is essential for the development of a solid base for business. In this context, factoring operations can support economic agents, allowing a transfer of commercial receivables from their holder to a factor who commits to their recovery and guarantee such operations even if temporary or permanent insolvency of the debtor . Thus, factoring is a complex technique in at least two aspects, of the debt and the transfer of credit. . Factoring is a means of financing business, especially export-import transactions, less known in Romania. Maybe because of poor business environment popularize the term is as little known as it was a few years ago the leasing. Present in Romanian legislation since 2002, factoring appears as a contract between one party (called adherent, providing goods or service and a banking company or a financial institution specialized (called factor, which the last one shall finance debts pursuing and preservation against credit risks and adherent gives factor by way of sale, debts arising from the sale of goods or services to third parties. The article is divided into three parts. In the first part we defined the concept of factoring and international factoring, then I presented the advantages and development of factoring in Romania, and the last part conclusions.

  4. Payments for environmental services in upper-catchments of Vietnam: will it help the poorest?

    Directory of Open Access Journals (Sweden)

    Damien Jourdain

    2009-03-01

    Full Text Available Payments for Environmental Services (PES schemes present a new approach that creates a conditional benefit transfer between upland providers of environmental services and the downstream beneficiaries of these services. Such schemes can take the advantage of upland-lowland interactions in generating environmental benefits while improving the livelihoods of upper-catchment agricultural households. The past few years have witnessed a surge of interest in the development of PES schemes in Asia. The Vietnamese Government expressed recently its interest in starting such a scheme to protect fragile upper-catchments whose degradations are causing problems, among others, on hydro-electric infrastructures. Northern provinces of Vietnam are characterized by biophysical, social, and cultural diversity. The region suffers from severe environmental problems such as deforestation, soil degradation, and loss of biodiversity. As a result, the livelihoods of agricultural households may be unsustainable. Moreover, they are also producing negative externalities for lower parts of the countries. However, households in upper catchments are heterogeneous because they have unequal access to natural resources. The upper-catchments are generally composed of a narrow bottom-valley, where irrigated rice fields are found, and of surrounding sloping land with upland rice, maize and cassava. The differential access to those compartments of the watershed has some important consequences in terms of household farming practices and livelihood strategies. The proposed paper is organized in two parts. The first part reports farm household surveys and proposes a typology of farmers living in two typical small watersheds. The second, through a simplified model of farms analyses how the poorest households would respond to such a PES scheme. Results of farm surveys showed that access to lowland paddies is uneven among agricultural households. Even in situations of apparent abundance of

  5. CO2 credit or energy credit in emission trading?

    International Nuclear Information System (INIS)

    Hu, E.

    2002-01-01

    Emission trading is a good concept and approach to tackle global warming. However, what ''currency'' or ''credit'' should be used in the trading has remained a debatable topic. This paper proposed an ''Energy Credit'' concept as an alternative to the ''CO 2 credit'' that is currently in place. From the thermodynamic point of view, the global warming problem is an ''energy balance'' problem. The energy credit concept is thought to be more thermodynamically correct and tackles the core of the global warming problem more directly. The Energy credit concept proposed can be defined as: the credit to offset the extra energy trapped/absorbed in the earth (and its atmosphere) due to the extra anthropogenic emission (or other activities) by a country or company. A couple of examples are given in the paper to demonstrate the concept of the Energy credit and its advantages over the CO 2 credit concept. (author)

  6. Introduction of Credit Derivatives and Valuation of Credit Default Swap

    OpenAIRE

    Han, Lu

    2006-01-01

    The credit derivative market was established at the beginning of the 1990s since the emergence of credit derivatives fits the rapid development of the whole derivatives market. However, compare to other derivative market, this market is still small and incomplete. As with other derivatives, credit derivatives can be used to either take more risk or hedge it, hence various credit derivatives instruments are accepted and widely used by market participants such as banks, insurance companies, etc...

  7. Identifying Challenging Job and Environmental Demands of Older Nurses Within the National Health Service.

    Science.gov (United States)

    Durosaiye, Isaiah Oluremi; Hadjri, Karim; Liyanage, Champika Lasanthi

    2016-04-01

    To explore the existing theoretical contexts of the job and environmental demands of the nursing profession in the National Health Service (NHS) and to investigate how these job and environmental demands impact on the personal constructs of older nurses within the NHS. Nursing is the single most widely practiced profession in the healthcare sector in the United Kingdom. However, nurses contend with challenging job and environmental demands on a daily basis, which deplete them of personal constructs (or resources) required to stay in the profession. A multilevel exploratory qualitative research design was employed. Ten managers were interviewed for the preliminary study, based on which the three characteristics of an age-friendly NHS workplace were established: health, retirement, and flexibility. Then an in-depth literature review revealed that the most adversely affected job within the NHS was the nursing profession. Finally, a focus group study was undertaken with six older nurses working in the NHS. The most compelling finding of this study is that older nurses would generally not want to stay on the job if they had to work in the ward area. The physical, cognitive, and sensory constructs of older nurses are negatively affected by the job and environmental demands of the ward areas. Understanding how these job and environmental demands of the workplace affect an older nurse's personal constructs may help support a better design of nurse work and the wards and help extend the working lives of older nurses in the NHS. © The Author(s) 2015.

  8. Valuing Catastrophe Bonds Involving Credit Risks

    Directory of Open Access Journals (Sweden)

    Jian Liu

    2014-01-01

    Full Text Available Catastrophe bonds are the most important products in catastrophe risk securitization market. For the operating mechanism, CAT bonds may have a credit risk, so in this paper we consider the influence of the credit risk on CAT bonds pricing that is different from the other literature. We employ the Jarrow and Turnbull method to model the credit risks and get access to the general pricing formula using the Extreme Value Theory. Furthermore, we present an empirical pricing study of the Property Claim Services data, where the parameters in the loss function distribution are estimated by the MLE method and the default probabilities are deduced by the US financial market data. Then we get the catastrophe bonds value by the Monte Carlo method.

  9. Analysis of Informal Credit Operations among Farmers In Atisbo ...

    African Journals Online (AJOL)

    Analysis of Informal Credit Operations among Farmers In Atisbo Local ... Some of the respondents (16.7%) had no formal education though they were managing ... Intensive use of extension services to facilitate adult literacy and learning ...

  10. 76 FR 6616 - Farm Credit Administration Board; Sunshine Act Meeting

    Science.gov (United States)

    2011-02-07

    ... Request of Farm Credit Services of America, et al., to Form a Limited Liability Partnership to Facilitate... public (limited space available). In order to increase the accessibility to Board meetings, persons...

  11. 77 FR 30377 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2012-05-23

    ... Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. SUMMARY: This document contains final regulations relating to the health insurance premium tax... categories of immigrants described in the Children's Health Insurance Program Reauthorization Act. One...

  12. Payments for Environmental Services in a Policymix: Spatial and Temporal Articulation in Mexico.

    Science.gov (United States)

    Ezzine-de-Blas, Driss; Dutilly, Céline; Lara-Pulido, José-Alberto; Le Velly, Gwenolé; Guevara-Sanginés, Alejando

    2016-01-01

    Government based Payments for Ecosystem Services (PES) have been criticized for not maximizing environmental effectiveness through appropriate targeting, while instead prioritizing social side-objectives. In Mexico, existing literature on how the Payments for Ecosystem Services-Hydrological program (PSA-H) has targeted deforestation and forest degradation shows that both the process of identifying the eligible areas and the choice of the selection criteria for enrolling forest parcels have been under the influence of competing agendas. In the present paper we study the influence of the PSA-H multi-level governance on the environmental effectiveness of the program-the degree to which forest at high risk of deforestation is enrolled- building from a "policyscape" framework. In particular, we combine governance analysis with two distinct applications of the policyscape framework: First, at national level we assess the functional overlap between the PSA-H and other environmental and rural programs with regard to the risk of deforestation. Second, at regional level in the states of Chiapas and Yucatan, we describe the changing policy agenda and the role of technical intermediaries in defining the temporal spatialization of the PSA-H eligible and enrolled areas with regard to key socio-economic criteria. We find that, although at national level the PSA-H program has been described as coping with both social and environmental indicators thanks to successful adaptive management, our analysis show that PSA-H is mainly found in communities where deforestation risk is low and in combination with other environmental programs (protected areas and forest management programs). Such inertia is reinforced at regional level as a result of the eligible areas' characteristics and the behaviour of technical intermediaries, which seek to minimise transaction costs and sources of uncertainty. Our project-specific analysis shows the importance of integrating the governance of a program in

  13. 18 CFR 367.105 - Accounts 411.4, and 411.5, Investment tax credit adjustments.

    Science.gov (United States)

    2010-04-01

    ....5, Investment tax credit adjustments. 367.105 Section 367.105 Conservation of Power and Water... tax credit adjustments. (a) Account 411.4 (§ 367.4114) must be debited with the amounts of investment tax credits related to service company property that are credited to account 255, Accumulated deferred...

  14. Health service planning and sustainable development: considering what, where and how care is delivered through a pro-environmental lens.

    Science.gov (United States)

    Desmond, Sharon

    2017-03-02

    The aim of the present paper was to review the opportunities currently available to health service planners to advance sustainable development in their future-facing roles within health service organisation. Critical challenges and enablers to facilitate health services planners in adopting a pro-environmental lens are discussed. What is known about the topic? Despite its harmful effect on the environment, health has been slower than other industries to embrace the sustainable development agenda. The attitudes and knowledge base of health service planners with regard to environmental sustainability has not been widely studied. For health service planners, embracing pro-environmental considerations in sustainable model of care development is a powerful opportunity to review care paradigms and prepare for the implementation of meaningful, improved health and system efficiency. What does this paper add? This paper advances the case for health service planners to embrace a pro-environmental stance and guides health service leaders in the preparation and implementation of sustainable and improved health and system efficiency. What are the implications for practitioners? Health service planers are in an ideal position to champion the sustainable development agenda as they explore what care is delivered, how care is delivered and where care is delivered. External policy, health service leadership and carbon literacy are advanced as critical contextual factors to facilitate the key role that health service planners can play in building sustainable healthcare organisations.

  15. Consumer Handbook to Credit Protection Laws.

    Science.gov (United States)

    Board of Governors of the Federal Reserve System, Washington, DC.

    The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…

  16. Dynamic Virtual Credit Card Numbers

    Science.gov (United States)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

    Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.

  17. Environmental services generated by organic agriculture: A view from the air

    Science.gov (United States)

    Bigeriego, Elena; Cabezas, José; Labrador, Juana; María Moreno, Marta

    2017-04-01

    This work aims to develop an alternative methodology that enables monitoring the environmental differential that agroecological management involves in order to consolidate feasible payments for environmental services generated by organic agriculture. For this purpose, LANDSAT images have been used, and the Normalized Difference Vegetation Index (NDVI) of organic fruit farms, all of them with the same species and the similar edaphic and climatic characteristics, has been compared with the NDVI obtained at other nearby fruit farms under conventional management, all of them in Extremadura (Spain). As a result, we obtained a series of statistical data that allows us to clearly differentiate between these two types of management. Among these data, remarkable differences have been detected regarding the minimum values of NDVI in the non-productive periods of the fruit, which is higher in the organic farms due to the permanent vegetation soil cover, with the subsequent effects on soil protection and carbon sequestration. The conclusions of the paper show that it is possible to distinguish different models of crop management by using satellite images obtained in a quick and inexpensive way. Keywords: LANDSAT images; NDVI; environmental services; agroecology; organic agriculture.

  18. Developing markets for forest environmental services: an opportunity for promoting equity while securing efficiency?

    Science.gov (United States)

    Landell-Mills, Natasha

    2002-08-15

    Market-based approaches to environmental management are all the rage. Claims that market mechanisms can encourage environmental protection and promote greater economic efficiency while saving taxpayers' money are tantalizing. In the forestry sector, policy makers are widely heeding this advice and shrinking command-and-control systems in favour of incentive mechanisms that seek to align private enthusiasm with the public good. In some cases, governments are even promoting the creation of markets where none existed before. In others, markets are evolving of their own accord. In such times of change, it is difficult to stand back and take stock. Yet, it is during such times that guidance is most needed. In the rush to introduce market-based solutions to environmental problems, a particular concern is how markets are impacting on the poor. In this paper an effort is made to draw on a recent review of markets for four forest environmental services (biodiversity conservation, carbon sequestration, watershed protection and landscape beauty) to draw out preliminary insights into how markets are performing with respect to their impacts on the poor. The evidence suggests a need for caution. While the potential benefits are significant, the poor face an uphill battle in realizing them. Key constraints facing the poor include a lack of property rights over forest resources and their environmental services; inadequate skills and education; poor market information; lack of market contacts; inadequate communication infrastructure; inappropriate contract design; and lack of access to financial resources. To tackle these, four potential ways forward are highlighted: (1) assign property rights to forest assets and their related environmental services in ways that respect customary arrangements and poor people's tenure; (2) strengthen capacity for market participation, e.g. through training and education; (3) invest in the provision of market information, advice and, essentially, a

  19. The Delivery of Health Promotion and Environmental Health Services; Public Health or Primary Care Settings?

    Directory of Open Access Journals (Sweden)

    Lene Bjørn Jensen

    2018-05-01

    Full Text Available The WHO Regional Office for Europe developed a set of public health functions resulting in the ten Essential Public Health Operations (EPHO. Public health or primary care settings seem to be favorable to embrace all actions included into EPHOs. The presented paper aims to guide readers on how to assign individual health promotion and environmental health services to public health or primary care settings. Survey tools were developed based on EPHO 2, 3 and 4; there were six key informant surveys out of 18 contacted completed via e-mails by informants working in Denmark on health promotion and five face-to-face interviews were conducted in Australia (Melbourne and Victoria state with experts from environmental health, public health and a physician. Based on interviews, we developed a set of indicators to support the assignment process. Population or individual focus, a system approach or one-to-one approach, dealing with hazards or dealing with effects, being proactive or reactive were identified as main element of the decision tool. Assignment of public health services to one of two settings proved to be possible in some cases, whereas in many there is no clear distinction between the two settings. National context might be the one which guides delivery of public health services.

  20. The Delivery of Health Promotion and Environmental Health Services; Public Health or Primary Care Settings?

    Science.gov (United States)

    Bjørn Jensen, Lene; Lukic, Irena; Gulis, Gabriel

    2018-05-07

    The WHO Regional Office for Europe developed a set of public health functions resulting in the ten Essential Public Health Operations (EPHO). Public health or primary care settings seem to be favorable to embrace all actions included into EPHOs. The presented paper aims to guide readers on how to assign individual health promotion and environmental health services to public health or primary care settings. Survey tools were developed based on EPHO 2, 3 and 4; there were six key informant surveys out of 18 contacted completed via e-mails by informants working in Denmark on health promotion and five face-to-face interviews were conducted in Australia (Melbourne and Victoria state) with experts from environmental health, public health and a physician. Based on interviews, we developed a set of indicators to support the assignment process. Population or individual focus, a system approach or one-to-one approach, dealing with hazards or dealing with effects, being proactive or reactive were identified as main element of the decision tool. Assignment of public health services to one of two settings proved to be possible in some cases, whereas in many there is no clear distinction between the two settings. National context might be the one which guides delivery of public health services.

  1. Construction and Application of a National Data-Sharing Service Network of Material Environmental Corrosion

    Directory of Open Access Journals (Sweden)

    Xiaogang Li

    2007-12-01

    Full Text Available This article discusses the key features of a newly developed national data-sharing online network for material environmental corrosion. Written in Java language and based on Oracle database technology, the central database in the network is supported with two unique series of corrosion failure data, both of which were accumulated during a long period of time. The first category of data, provided by national environment corrosion test sites, is corrosion failure data for different materials in typical environments (atmosphere, seawater and soil. The other category is corrosion data in production environments, provided by a variety of firms. This network system enables standardized management of environmental corrosion data, an effective data sharing process, and research and development support for new products and after-sale services. Moreover this network system provides a firm base and data-service platform for the evaluation of project bids, safety, and service life. This article also discusses issues including data quality management and evaluation in the material corrosion data sharing process, access authority of different users, compensation for providers of shared historical data, and finally, the related policy and law legal processes, which are required to protect the intellectual property rights of the database.

  2. Dynamic Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

    We characterize diversification in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between credit spread and equity return dependence dynamics. Modeling a decade...... the crisis and remain high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads....

  3. Are carbon credits effective?

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

    Is it possible to reduce greenhouse gas emissions by assigning a value to CO 2 ? That's the concept behind carbon credits. Their advantage: they set targets but let companies decide how to meet them. Of all the processes that can be used to reduce air pollution, the cap and trade system is the best way to meet global targets on a national or continental scale. The system's efficiency is based on setting a ceiling for emissions: this is the cap. The emissions quotas are negotiable goods that can be traded on a market: this is the 'trade'. No company can exceed its quotas, but it can choose how to meet them: decreasing its emissions by changing its production processes, buying carbon credits sold by companies that have exceeded their targets, or using clean development mechanisms. For a carbon credit system to function correctly on an economic level, it's essential to meet one condition: don't allocate too many emissions quotas to the companies involved. If they receive too many quotas, it's not hard for them to meet their objectives without changing their production processes. The supply of carbon credits currently exceeds demand. The price per ton of CO 2 is collapsing, and companies that have exceeded their targets are not rewarded for their efforts. Efficient though it may be, the cap and trade system cannot be the only way to fight CO 2 emissions. In Europe, it presently covers 40% of the CO 2 emissions by targeting utilities and industries that consume the most fossil fuels. But it cannot be extended to some sectors where pollution is diffuse. In transportation, for example, it's not possible to impose such a requirement. For that sector, as well as for the building sector, a suitable system of taxes might be effective and incentive

  4. The African Credit Trap

    OpenAIRE

    Svetlana Andrianova; Badi H. Baltagi; Panicos O. Demetriades; David Fielding

    2010-01-01

    We put forward a plausible explanation of African financial underdevelopment in the form of a bad credit market equilibrium. Utilising an appropriately modified IO model of banking, we show that the root of the problem could be unchecked moral hazard (strategic loan defaults) or adverse selection (a lack of good projects). We provide empirical evidence from a large panel of African banks which suggests that loan defaults are a major factor inhibiting bank lending when the quality of regulatio...

  5. Credit scoring methods

    Czech Academy of Sciences Publication Activity Database

    Vojtek, Martin; Kočenda, Evžen

    2006-01-01

    Roč. 56, 3-4 (2006), s. 152-167 ISSN 0015-1920 R&D Projects: GA ČR GA402/05/0931 Institutional research plan: CEZ:AV0Z70850503 Keywords : banking sector * credit scoring * discrimination analysis Subject RIV: AH - Economics Impact factor: 0.190, year: 2006 http://journal.fsv.cuni.cz/storage/1050_s_152_167.pdf

  6. Follow Up: Credit Card Caution

    Science.gov (United States)

    Cahill, Timothy P.

    2007-01-01

    In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students…

  7. Intertemporal consumption and credit constraints

    DEFF Research Database (Denmark)

    Leth-Petersen, Søren

    2010-01-01

    There is continuing controversy over the importance of credit constraints. This paper investigates whether total household expenditure and debt is affected by an exogenous increase in access to credit provided by a credit market reform that enabled Danish house owners to use housing equity...

  8. Factors influencing buyers' willingness to offer price premiums for carbon credits sourced from urban forests

    Science.gov (United States)

    N.C. Poudyal; J.M. Bowker; J.P. Siry

    2015-01-01

    Marketing carbon offset credits generated by urban forest projects could help cities and local governments achieve their financial self-sufficiency and environmental sustainability goals. Understanding the value of carbon credits sourced from urban forests, and the factors that determine buyers’ willingness to pay a premium for such credits could benefit cities in...

  9. Experential Learning Approach For Training Pre-Service Teachers In Environmental Science Using Mobile Apps

    Science.gov (United States)

    Senan, D. C.; Nair, U. S.

    2015-12-01

    In the context of complex environmental problems facing societies, environmental education is becoming an integral part of curriculum all levels of education, including teacher education. Traditional teaching methodology is often criticized for being reductionist and empirical and thus not optimal for training next generation of students who are expected to formulate solutions to complex, interdisciplinary environmental issues. This study will report on the use of mobile application, based on the Open Data Kit (ODK), along with the Google Earth Engine (GEE) to implement a better approach, namely experiential learning, for teacher education in Kerala, India. The specific topic considered is land use and land cover change due to human activity. The experiential learning approach implemented will involve students using Android mobile application to collect a sample of geo-locations for different land cover types. This data will be used to classify satellite imagery within Google Earth Engine and used to understand how their neighborhoods have changed over the years. Rather than being passive information recipients, the students will develop understanding based on their own analysis of how urban regions grow, crop lands shrink and forests disappear. This study will report on the implementation of experiential learning approach through the use of ODK and GEE, and on the ongoing evaluation of effectiveness of experiential learning approach for environmental education. A Pretest-Posttest study design will be used for evaluation. Change in environmental consciousness, as characterized by a well-designed and validated Environmental Consciousness Scale will be determined for a study group of 300 Pre-service teachers of Kerala, India. The significance between the mean scores of the data collected during pretest and posttest will be analyzed using paired t tests. Qualitative feedback about the Mobile Application through focus group interviews will also collected and analyzed.

  10. Credit-proofing fundamentals for a solid credit policy

    Energy Technology Data Exchange (ETDEWEB)

    Lydiatt, I. [KeySpan Energy Canada, Calgary, AB (Canada)

    2003-07-01

    This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab.

  11. Credit-proofing fundamentals for a solid credit policy

    International Nuclear Information System (INIS)

    Lydiatt, I.

    2003-01-01

    This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab

  12. Payments for environmental services in Costa Rica: from Rio to Rio and beyond

    Energy Technology Data Exchange (ETDEWEB)

    Porras, Ina; Miranda, Miriam; Barton, David; Chacon-Cascante, Adriana

    2012-05-15

    Costa Rica has shown how a small developing country can grab the bull of environmental degradation by the horns, and reverse one of the highest deforestation rates in Latin America to become the poster child of environment success. Key to its achievement has been the country's payments for environmental services (PES) programme, which began in 1997 and which many countries are now looking to learn from, especially as water markets and schemes to reward forest conservation and reduced deforestation (REDD+) grow. Within Costa Rica too, there is a need to first reflect on how the contexts for, and challenges facing, PES have changed; and continue building a robust programme that can ensure the coming decade is as successful as the past one.

  13. Payments for environmental services in Costa Rica: from Rio to Rio and beyond

    Energy Technology Data Exchange (ETDEWEB)

    Porras, Ina; Miranda, Miriam; Barton, David; Chacon-Cascante, Adriana

    2012-05-15

    Costa Rica has shown how a small developing country can grab the bull of environmental degradation by the horns, and reverse one of the highest deforestation rates in Latin America to become the poster child of environment success. Key to its achievement has been the country's payments for environmental services (PES) programme, which began in 1997 and which many countries are now looking to learn from, especially as water markets and schemes to reward forest conservation and reduced deforestation (REDD+) grow. Within Costa Rica too, there is a need to first reflect on how the contexts for, and challenges facing, PES have changed; and continue building a robust programme that can ensure the coming decade is as successful as the past one.

  14. Revisiting Ecosystem Services: Assessment and Valuation as Starting Points for Environmental Politics

    Directory of Open Access Journals (Sweden)

    Adam Jadhav

    2017-09-01

    Full Text Available The paradigm of ecosystem services (ES and the methods of monetary valuation have become boundary objects, spanning disciplines and earning particular purchase in policy circles. However, the notion of ES and ES valuation have also been subjected to multiple critiques, ranging from their varying precision to the potential for neoliberalization of nature. This paper does not attempt to refute such critiques but rather revisits the potentials of the ES paradigm and the specific method of benefit transfer valuation for their utility as a form of environmental politics and sustainability practice. We find they have particular relevance in contexts where “data” are not readily available or are not legible to policy makers as well as where the imperative of “development” remains ideological. We argue for ES assessment and, specifically, rapid ES valuation as a first-pass tactic to inform evaluation of potentially environmentally degrading projects or environmental management. We demonstrate this using a simple benefit transfer analysis to offer an initial evaluation of (wet landscape ES in a lightly touched estuary in Karnataka, India, where a state-backed proposal to develop an industrial shipping port is gathering steam. While we recognize and do not categorically reject critiques of the ES paradigm, we nonetheless argue for valuation as a starting point for politics that highlight and make visible ES benefits and users implicated by “development” and other kinds of environmental change.

  15. Integrating Project-Based Service-Learning into an Advanced Environmental Chemistry Course

    Science.gov (United States)

    Draper, Alison J.

    2004-02-01

    In an advanced environmental chemistry course, the inclusion of semester-long scientific service projects successfully integrated the research process with course content. Each project involved a unique community-based environmental analysis in which students assessed an aspect of environmental health. The projects were due in small pieces at even intervals, and students worked independently or in pairs. Initially, students wrote a project proposal in which they chose and justified a project. Following a literature review of their topic, they drafted sampling and analysis plans using methods in the literature. Samples were collected and analyzed, and all students assembled scientific posters describing the results of their study. In the last week of the semester, the class traveled to a regional professional meeting to present the posters. In all, students found the experience valuable. They learned to be professional environmental chemists and learned the value of the discipline to community health. Students not only learned about their own project in depth, but they were inspired to learn textbook material, not for an exam, but because it helped them understand their own project. Finally, having a community to answer to at the end of the project motivated students to do careful work.

  16. Structural damage detection for in-service highway bridge under operational and environmental variability

    Science.gov (United States)

    Jin, Chenhao; Li, Jingcheng; Jang, Shinae; Sun, Xiaorong; Christenson, Richard

    2015-03-01

    Structural health monitoring has drawn significant attention in the past decades with numerous methodologies and applications for civil structural systems. Although many researchers have developed analytical and experimental damage detection algorithms through vibration-based methods, these methods are not widely accepted for practical structural systems because of their sensitivity to uncertain environmental and operational conditions. The primary environmental factor that influences the structural modal properties is temperature. The goal of this article is to analyze the natural frequency-temperature relationships and detect structural damage in the presence of operational and environmental variations using modal-based method. For this purpose, correlations between natural frequency and temperature are analyzed to select proper independent variables and inputs for the multiple linear regression model and neural network model. In order to capture the changes of natural frequency, confidence intervals to detect the damages for both models are generated. A long-term structural health monitoring system was installed on an in-service highway bridge located in Meriden, Connecticut to obtain vibration and environmental data. Experimental testing results show that the variability of measured natural frequencies due to temperature is captured, and the temperature-induced changes in natural frequencies have been considered prior to the establishment of the threshold in the damage warning system. This novel approach is applicable for structural health monitoring system and helpful to assess the performance of the structure for bridge management and maintenance.

  17. Principles for Fairness and Efficiency in Enhancing Environmental Services in Asia: Payments, Compensation, or Co-Investment?

    OpenAIRE

    Noordwijk, van, M.; Beria, L.

    2010-01-01

    The term payments for environmental services (PES) has rapidly gained popularity, with its focus on market-based mechanisms for enhancing environmental services (ES). Current use of the term, however, covers a broad spectrum of interactions between ES suppliers and beneficiaries. A broader class of mechanisms pursues ES enhancement through compensation or rewards. Such mechanisms can be analyzed on the basis of how they meet four conditions: realistic, conditional, voluntary, and pro-poor. Ba...

  18. Assessing Health Outcomes After Environmental Exposures Associated With Open Pit Burning in Deployed US Service Members.

    Science.gov (United States)

    Rohrbeck, Patricia; Hu, Zheng; Mallon, Col Timothy M

    2016-08-01

    This study assessed the long-term health impact of environmental exposures associated with open pit burning in deployed US service members. Two hundred individuals deployed to Balad, Iraq, and Bagram, Afghanistan, with known exposure to open pits, were matched to 200 non-deployed service members. Both cohorts were observed for adverse health outcomes after returning from deployment. Slight increased risks were observed for respiratory diseases in the Bagram cohort (adj RR: 1.259), and for cardiovascular disease in the Balad cohort (adj RR: 1.072), but the findings were not significant. The combined deployed cohort showed lower risks for adverse health outcomes, suggesting a healthy deployer effect. In conclusion, this study did not find significantly increased risks for selected health outcomes after burn pit exposure during deployment among two deployed cohorts compared with a non-deployed cohort.

  19. Capturing multiple values of ecosystem services shaped by environmental worldviews: a spatial analysis.

    Science.gov (United States)

    Van Riper, Carena J; Kyle, Gerard T

    2014-12-01

    Two related approaches to valuing nature have been advanced in past research including the study of ecosystem services and psychological investigations of the factors that shape behavior. Stronger integration of the insights that emerge from these two lines of enquiry can more effectively sustain ecosystems, economies, and human well-being. Drawing on survey data collected from outdoor recreationists on Santa Cruz Island within Channel Islands National Park, U.S., our study blends these two research approaches to examine a range of tangible and intangible values of ecosystem services provided to stakeholders with differing biocentric and anthropocentric worldviews. We used Public Participation Geographic Information System methods to collect survey data and a Social Values for Ecosystem Services mapping application to spatially analyze a range of values assigned to terrestrial and aquatic ecosystems in the park. Our results showed that preferences for the provision of biological diversity, recreation, and scientific-based values of ecosystem services varied across a spatial gradient. We also observed differences that emerged from a comparison between survey subgroups defined by their worldviews. The implications emanating from this investigation aim to support environmental management decision-making in the context of protected areas. Copyright © 2014 Elsevier Ltd. All rights reserved.

  20. Professional greens: environmental services show growth and staying power as a creative business sector to watch

    International Nuclear Information System (INIS)

    Jaremko, G.

    1998-01-01

    Environmental protection was described as a growth sector in the oil and gas industry. Two major companies involved in this field, FX and Canadian Crude Separators Inc., (CCS) and some of their current or recent projects have been summarized to illustrate the growing importance and the opportunities avaialable in this field. FX specializes in a field generally referred to as 'remediation'. There are an estimated 30,000 abandoned oil and gas wells, plus contaminated real estate like former service station sites waiting to be cleaned up. A newly emerging service that is offered by FX is cleaning up after new oil and gas wells have been completed. Canadian Crude Separators are doing a $100 million a year business in oilfield waste disposal at 11 sites in Alberta and Saskatchewan. The company has 225 employees and a network of contractors such as truckers. The newest of CCS's services involves burying waste from heavy oil wells 1,000 to 1,500 metres underground. The garbage goes down via injection wells into a vast salt cavern left behind after years of production by the Sifto organization. Beyond these more mundane but essential services, companies like FX and CCS also perform ecological studies prior to drilling site selection to preserve as much as possible the local flora and fauna. They help operating companies with early detection of environmental concerns and anticipate government action. Being able to undertake voluntary early compliance programs, the companies involved not only benefit from acquiring a 'greener' image, they also improve their chances and credibility to influence the processes of government and future regulation

  1. Evolution of occupational exposure to environmental levels of aromatic hydrocarbons in service stations.

    Science.gov (United States)

    Periago, J F; Prado, C

    2005-04-01

    During refuelling, people may easily be exposed to extremely high levels of gasoline vapour for a short time, although such exposure takes on more importance in the case of service station attendants. The volume of gasoline sold in refuelling operations and the ambient temperature can significantly increase the environmental level of benzene, toluene and xylene (BTX) vapours and, subsequently, the occupational risk of service station attendants. This is especially true in the case of benzene, the most important component of gasoline vapours from a toxicological point of view. The European Directive 98/70/EC, limiting the benzene composition of gasoline, and 94/63/EC, concerning the use of vapour recovery systems in the delivery of gasoline to services stations, were applied in Spain from January 2000 and 2002, respectively. In addition, a new limit value for occupational exposure of 3.25 mg/m(3) was fixed for benzene in Directive 97/42/EC, applied from June 2003. However, recent years have seen the growing use of diesel as well as of unleaded and reformulated gasoline. In this study, we analyse the differences found between air concentration levels of BTXs in 2000 and 2003, analysing samples taken from the personal breathing-zone of occupationally exposed workers in service stations. The results are compared with those obtained in a similar study carried out in 1995 (before the new regulations came into force). The study was carried out in two phases. The first phase was carried out in 2000, after application of the new legal regulation limiting the benzene concentration in gasoline. In this case, an occupationally exposed population of 28 service station attendants was sampled in July, with a mean ambient temperature of 30-31 degrees C. In the second phase, 19 exposed subjects were sampled in July 2003, one of the warmest months in recent years with mean temperatures of 35-36 degrees C during the time of exposure monitoring. The results were then compared with

  2. 26 CFR 1.31-1 - Credit for tax withheld on wages.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Credit for tax withheld on wages. 1.31-1 Section 1.31-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.31-1 Credit for tax withheld on wages. (a) The tax deducted and withheld at the...

  3. 75 FR 11998 - Open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Issue Committee

    Science.gov (United States)

    2010-03-12

    ... Earned Income Tax Credit Issue Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of Meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Issue... Advocacy Panel Earned Income Tax Credit Issue Committee will be held Tuesday, April 20, 2010 from 8 a.m. to...

  4. 76 FR 22171 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-04-20

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  5. 78 FR 54391 - Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit

    Science.gov (United States)

    2013-09-04

    ... Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit AGENCY: Internal Revenue Service... purposes of the foreign tax credit. These regulations address certain highly structured arrangements that produce inappropriate foreign tax credit results. The regulations affect individuals and corporations that...

  6. 76 FR 32024 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-06-02

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS) Treasury. ACTION: Notice of Meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  7. 76 FR 32880 - Encouraging New Markets Tax Credit Non-Real Estate Investments

    Science.gov (United States)

    2011-06-07

    ... Encouraging New Markets Tax Credit Non-Real Estate Investments AGENCY: Internal Revenue Service (IRS... markets tax credit. Specifically, this document invites comments from the public on how the new markets tax credit program may be amended to encourage non-real estate investments. The regulations will...

  8. 76 FR 10944 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-02-28

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee will be held Tuesday...

  9. 75 FR 33894 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-06-15

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS) Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  10. 76 FR 45006 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-07-27

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Panel Earned Income Tax Credit Project Committee will be held Monday, September 26, 2011, at 3 p.m...

  11. 76 FR 2197 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee.

    Science.gov (United States)

    2011-01-12

    ... Earned Income Tax Credit Project Committee. AGENCY: Internal Revenue Service (IRS) Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  12. 76 FR 42076 - Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit

    Science.gov (United States)

    2011-07-18

    ... Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit AGENCY: Internal Revenue Service... purposes of the foreign tax credit. These regulations address certain highly structured arrangements that produce inappropriate foreign tax credit results. The text of those temporary regulations published in...

  13. 76 FR 56879 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-09-14

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS) Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Earned Income Tax Credit Project Committee will be held Monday, October 24, 2011, at 3 p.m. Eastern Time...

  14. 75 FR 7540 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-02-19

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  15. 76 FR 17995 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-03-31

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS) Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  16. 75 FR 47349 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-08-05

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Income Tax Credit Project Committee will be held Wednesday, September 22, 2010, at 1 p.m. Eastern Time...

  17. 76 FR 53818 - Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit

    Science.gov (United States)

    2011-08-30

    ... Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit AGENCY: Internal Revenue Service... of taxes paid for purposes of the foreign tax credit. These regulations address certain highly structured arrangements that produce inappropriate foreign tax credit results. The regulations affect...

  18. 75 FR 62632 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-10-12

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Income Tax Credit Project Committee will be held Wednesday, November 24, 2010, at 1 p.m. Eastern Time via...

  19. 75 FR 39333 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-07-08

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Income Tax Credit Project Committee will be held Wednesday, August 25, 2010, at 1 p.m. Eastern Time via...

  20. 75 FR 18955 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee.

    Science.gov (United States)

    2010-04-13

    ... Earned Income Tax Credit Project Committee. AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  1. 76 FR 63716 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-10-13

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS) Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Earned Income Tax Credit Project Committee will be held Monday, November 28, 2011, at 3 p.m. Eastern Time...

  2. 76 FR 53819 - Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit

    Science.gov (United States)

    2011-08-30

    ... Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit AGENCY: Internal Revenue Service... purposes of the foreign tax credit. These regulations address certain highly structured arrangements that produce inappropriate foreign tax credit results. The regulations affect individuals and corporations that...

  3. 76 FR 37199 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-06-24

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Income Tax Credit Project Committee will be held Monday, August 22, 2011, at 3 p.m. Eastern Time via...

  4. 76 FR 42036 - Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit

    Science.gov (United States)

    2011-07-18

    ... Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit AGENCY: Internal Revenue Service... purposes of the foreign tax credit. These regulations address certain highly structured arrangements that produce inappropriate foreign tax credit results. The regulations affect individuals and corporations that...

  5. 75 FR 55849 - Proposed Collection; Comment Request for Form 1097-BTC, Bond Tax Credit

    Science.gov (United States)

    2010-09-14

    ... 1097-BTC, Bond Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice and request... comments concerning Form 1097-BTC, Bond Tax Credit. DATES: Written comments should be received on or before... INFORMATION: Title: Form 1097-BTC, Bond Tax Credit. Abstract: This is an information return for reporting tax...

  6. 75 FR 55406 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-09-10

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS) Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Income Tax Credit Project Committee will be held Wednesday, October 27, 2010, at 1:00 p.m. Eastern Time...

  7. 76 FR 6188 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2011-02-03

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Panel Earned Income Tax Credit Project Committee will be held Monday, March 28, 2011, at 2 p.m., Eastern...

  8. 75 FR 25316 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-05-07

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of meeting. SUMMARY: An open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit... Act, 5 U.S.C. App. (1988) that an open meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit...

  9. 75 FR 4140 - Open Meeting of the Taxpayer Advocacy Panel Earned Income Tax Credit Project Committee

    Science.gov (United States)

    2010-01-26

    ... Earned Income Tax Credit Project Committee AGENCY: Internal Revenue Service (IRS) Treasury. ACTION... Tax Credit Project Committee will be conducted. The Taxpayer Advocacy Panel is soliciting public... Advocacy Panel Earned Income Tax Credit Project Committee will be held Wednesday, February 24, 2010, at 1 p...

  10. 76 FR 32882 - New Markets Tax Credit Non-Real Estate Investments

    Science.gov (United States)

    2011-06-07

    ... New Markets Tax Credit Non-Real Estate Investments AGENCY: Internal Revenue Service (IRS), Treasury... proposed regulations modifying the new markets tax credit program to facilitate and encourage investments... claiming the new markets tax credit and businesses in low-income communities relying on the program. This...

  11. The Short Term Effectiveness of an Outdoor Environmental Education on Environmental Awareness and Sensitivity of In-Service Teachers

    Science.gov (United States)

    Okur-Berberoglu, Emel; Ozdilek, Hasan Göksel; Yalcin-Ozdilek, Sükran

    2015-01-01

    Outdoor education is mostly mentioned in terms of environmental education. The aim of this research is to determine the short term effectiveness of an outdoor environmental education program on biodiversity awareness, environmental awareness and sensitivity to natural environment. The data is collected from an outdoor environmental education…

  12. Meta-analysis of institutional-economic factors explaining the environmental performance of payments for watershed services

    NARCIS (Netherlands)

    Brouwer, R.; Tesfaye, A.; Pauw, W.P.

    2011-01-01

    Payments for ecosystem services (PES) are a relatively new economic policy instrument, and the factors that drive and explain their environmental performance are poorly understood. Here a meta-analysis of causal relationships between the institutional design and environmental performance of 47

  13. Understanding Barriers to Optimal Cleaning and Disinfection in Hospitals: A Knowledge, Attitudes, and Practices Survey of Environmental Services Workers.

    Science.gov (United States)

    Bernstein, Daniel A; Salsgiver, Elizabeth; Simon, Matthew S; Greendyke, William; Eiras, Daniel P; Ito, Masahiro; Caruso, Dean A; Woodward, Timothy M; Perriel, Odette T; Saiman, Lisa; Furuya, E Yoko; Calfee, David P

    2016-12-01

    In this study, we used an online survey to assess knowledge, attitudes, and practices related to environmental cleaning and other infection prevention strategies among environmental services workers (ESWs) at 5 hospitals. Our findings suggest that ESWs could benefit from additional education and feedback as well as new strategies to address workflow challenges. Infect Control Hosp Epidemiol 2016;1492-1495.

  14. Identification of linkages between potential Environmental and Social Impacts of Surface Mining and Ecosystem Services in Thar Coal field, Pakistan

    Science.gov (United States)

    Hina, A.

    2017-12-01

    Although Thar coal is recognized to be one of the most abundant fossil fuel that could meet the need to combat energy crisis of Pakistan, but there still remains a challenge to tackle the associated environmental and socio-ecological changes and its linkage to the provision of ecosystem services of the region. The study highlights the importance of considering Ecosystem service assessment to be undertaken in all strategic Environmental and Social Assessments of Thar coal field projects. The three-step approach has been formulated to link the project impacts to the provision of important ecosystem services; 1) Identification of impact indicators and parameters by analyzing the environmental and social impacts of surface mining in Thar Coal field through field investigation, literature review and stakeholder consultations; 2) Ranking of parameters and criteria alternatives using Multi-criteria Decision Analysis(MCDA) tool: (AHP method); 3) Using ranked parameters as a proxy to prioritize important ecosystem services of the region; The ecosystem services that were prioritized because of both high significance of project impact and high project dependence are highlighted as: Water is a key ecosystem service to be addressed and valued due to its high dependency in the area for livestock, human wellbeing, agriculture and other purposes. Crop production related to agricultural services, in association with supply services such as soil quality, fertility, and nutrient recycling and water retention need to be valued. Cultural services affected in terms of land use change and resettlement and rehabilitation factors are recommended to be addressed. The results of the analysis outline a framework of identifying these linkages as key constraints to foster the emergence of green growth and development in Pakistan. The practicality of implementing these assessments requires policy instruments and strategies to support human well-being and social inclusion while minimizing

  15. Value of credit bureau reports

    Directory of Open Access Journals (Sweden)

    Brković Milan

    2017-01-01

    Full Text Available An efficient system of credit information sharing contributes to solving the problem of information asymmetry on the credit and financial markets in general. The consequences of the global economic and financial crisis revealed an increasing demand for reliable information and data which could close the existing gap in their insufficiency, misuse or inadequate analytical value for the economic and financial policy makers. In that sense, more attention is directed to the usefulness of credit information sharing and the practical value of information and data contained in credit bureau reports for the purposes of achieving the overall economic policy goals. The fulfillment of that role depends mostly on the credit information sharing system and its characteristics, participants, and procedures. A credit bureau report in the best possible manner reflects all advantages and disadvantages of the established credit information exchange system in terms of its analytical value for the purposes of efficient macroeconomic and macrofinancial policies.

  16. Determination of Pre-Service Science Teachers' Level of Awareness of Environmental Ethics in Relation to Different Variables

    Science.gov (United States)

    Keles, Özgül; Özer, Nilgün

    2016-01-01

    The purpose of the current study is to determine the pre-service science teachers' awareness levels of environmental ethics in relation to different variables. The sampling of the present study is comprised of 1,023 third and fourth year pre-service science teachers selected from 12 different universities in the spring term of 2013-2014 academic…

  17. Experiential Learning Approach for Training Pre-Service Teachers in Environmental Science Using Mobile Apps

    Science.gov (United States)

    Senan, D. C.; Nair, U. S.

    2016-12-01

    In the context of complex environmental problems, it is desirable to enhance public awareness of environmental issues. In response to this challenge, environmental education is an integral part of curriculum at all levels of education, including teacher education. However, it is often criticized for being reductionist and empirical and thus not optimal for training next generation of students who are expected to formulate solutions to complex, interdisciplinary environmental issues. Experiential learning is better suited for such training. It create a connection between the learner and the content by involving the students in reflection on their experiences. It is very appropriate in teacher education where students carry their own unique experiences into the learning environment. This study will report on the use of mobile application, based on the Open Data Kit (ODK), along with the Google Earth Engine (GEE) to implement experiential learning approach for teacher education in Kerala, India. The specific topic considered is land use and land cover change due to human activity. The approach will involve students using Android mobile application to collect a sample of geo-locations for different land cover types. This data will be used to classify satellite imagery and understand how their neighborhoods have changed over the years. The present study will also report on evaluation of effectiveness of the developed Mobile Application as a tool for experiential learning of Environmental Education. The study uses an experimental method with mixed methods-one group Pretest-Posttest design. The sample for the study consists of 300 Pre-service teachers of Kerala, India. The data collected is analyzed using paired t tests. Qualitative feedback about the Mobile Application through focus group interviews is also collected. Implementation of the experiential learning algorithm and analysis of data collected for evaluation of the learning approach will also be presented.

  18. Service-Learning in the Environmental Sciences for Teaching Sustainability Science

    Science.gov (United States)

    Truebe, S.; Strong, A. L.

    2016-12-01

    Understanding and developing effective strategies for the use of community-engaged learning (service-learning) approaches in the environmental geosciences is an important research need in curricular and pedagogical innovation for sustainability. In 2015, we designed and implemented a new community-engaged learning practicum course through the Earth Systems Program in the School of Earth, Energy and Environmental Sciences at Stanford University focused on regional open space management and land stewardship. Undergraduate and graduate students partnered with three different regional land trust and environmental stewardship organizations to conduct quarter-long research projects ranging from remote sensing studies of historical land use, to fire ecology, to ranchland management, to volunteer retention strategies. Throughout the course, students reflected on the decision-making processes and stewardship actions of the organizations. Two iterations of the course were run in Winter and Fall 2015. Using coded and analyzed pre- and post-course student surveys from the two course iterations, we evaluate undergraduate and graduate student learning outcomes and changes in perceptions and understanding of sustainability science. We find that engagement with community partners to conduct research projects on a wide variety of aspects of open space management, land management, and environmental stewardship (1) increased an understanding of trade-offs inherent in sustainability and resource management and (2) altered student perceptions of the role of scientific information and research in environmental management and decision-making. Furthermore, students initially conceived of open space as purely ecological/biophysical, but by the end of the course, (3) their understanding was of open space as a coupled human/ecological system. This shift is crucial for student development as sustainability scientists.

  19. Is credit for early action credible early action?

    International Nuclear Information System (INIS)

    Rolfe, C.; Michaelowa, A.; Dutschke, M.

    1999-12-01

    Credit for early action as a tool for greenhouse gas emissions reduction is compared with various market instruments as a means of narrowing the gap between projected emissions and those of the Kyoto Protocol. Market instruments work by creating a market price for emissions and use the market to encourage reductions at the lowest price, which is done by placing limits on greenhouse gas emissions and allowing the market to decide where reductions occur, or by imposing a carbon tax or emissions charge. While they can be applied within a sector, they are usually used to encourage reductions throughout the economy or across large sectors. Credit for early action also creates an incentive for emissions reductions throughout the economy or at least across many sectors. Credit for early action tools do not work by either imposing a carbon tax or emissions charge or placing limits on emissions, rather they promise that entities that take action against greenhouse gases prior to the imposition of a carbon tax or emissions limits will receive a credit against future taxes or limits. An overview is provided of the Kyoto Protocol and the rationale for taking early action, and a review is included of the theory and specific proposals for market instruments and credit for early action. A comparative analysis is provided of these approaches by examining their relative efficiency, environmental effectiveness, and impacts on the redistribution of wealth. Credit for early action is viewed as problematic on a number of counts and is seen as an interim strategy for imposition while political support for market instruments develop. The environmental effectiveness of credit for early action is very difficult to predict, and credit for early action programs do not yield the lowest cost emissions reductions. Credit for early action programs will not achieve compliance with the Kyoto Protocol at the lowest cost, and credits for early action will increase the compliance costs for those who

  20. Project Management Support and Services for the Environmental Restoration and Waste Management. Final report

    International Nuclear Information System (INIS)

    1995-01-01

    The Los Alamos National Laboratory (LANL) Environmental Restoration Technical Support Office (ERTSO) contracted Project Time ampersand Cost, Inc. (PT ampersand C) on 16 November 1992 to provide support services to the US Department of Energy (DOE). ERTSO had traditionally supported the DOE Albuquerque office in the Environmental Restoration and Waste Management Programs and had also supported the Office of Waste Management (EM-30) at DOE Headquarters in Germantown, Maryland. PT ampersand C was requested to provide project management and support services for the DOE as well as liaison and coordination of responses and efforts between various agencies. The primary objective of this work was to continue LANL's technical support role to EM-30 and assist in the development of the COE Cost and Schedule Estimating (CASE) Guide for EM-30. PT ampersand C's objectives, as specified in Section B of the contract, were well met during the duration of the project through the review and comment of various draft documents, trips to DOE sites providing program management support and participating in the training for the EM-30 Cost and Schedule Estimating Guide, drafting memos and scheduling future projects, attending numerous meetings with LANL, DOE and other subcontractors, and providing written observations and recommendations.he results obtained were determined to be satisfactory by both the LANL ERTSO and DOE EM-30 organizations. The objective to further the support from LANL and their associated subcontractor (PT ampersand C) was met. The contract concluded with no outstanding issues

  1. Ecosystem Services: a Framework for Environmental Management of the Deep Sea

    Science.gov (United States)

    Le, J. T.; Levin, L. A.; Carson, R. T.

    2016-02-01

    As demand for deep-sea resources rapidly expands in the food, energy, mineral, and pharmaceutical sectors, it has become increasingly clear that a regulatory structure for extracting these resources is not yet in place. There are jurisdictional gaps and a lack of regulatory consistency regarding what aspects of the deep sea need protection and what requirements might help guarantee that protection. Given the mining sector's intent to exploit seafloor massive sulphides, Mn nodules, cobalt crusts, and phosphorites in the coming years, there is an urgent need for deep-ocean environmental management. Here, we propose an ecosystem services-based framework to inform decisions and best practices regarding resource exploitation, and to guide baseline studies, preventative actions, monitoring, and remediation. With policy in early stages of development, an ecosystem services approach has the potential to serve as an overarching framework that takes protection of natural capital provided by the environment into account during the decision-making process. We show how an ecosystem services approach combined with economic tools, such as benefit transfer techniques, should help illuminate issues where there are direct conflicts among different industries, and between industry and conservation. We argue for baseline and monitoring measurements and metrics that inform about deep-sea ecosystem services that would be impaired by mining, and discuss ways to incorporate the value of those losses into decision making, mitigation measures, and ultimately product costs. This proposal is considered relative to current International Seabed Authority recommendations and contractor practices, and new actions are proposed. An ecosystem services-based understanding of how these systems work and their value to society can improve sustainability and stewardship of the deep ocean.

  2. Credit Rating and Competition

    OpenAIRE

    Nelson Camanho; Pragyan Deb; Zijun Liu

    2010-01-01

    In principle, credit rating agencies are supposed to be impartial observers that bridge the gap between private information of issuers and the information available to the wider pool of investors. However, since the 1970s, rating agencies have relied on an issuer-pay model, creating a conflict of interest the largest source of income for the rating agencies are the fees paid by the issuers the rating agencies are supposed to impartially rate. In this paper, we explore the trade-off between re...

  3. Non-price competition in credit card markets through bundling and bank level benefits

    OpenAIRE

    Akin, Guzin Gulsun; Aysan, Ahmet Faruk; Kara, Gazi Ishak; Yildiran, Levent

    2008-01-01

    The attempts to explain the high and sticky credit card rates have given rise to a vast literature on credit card markets. This paper endeavors to explain the rates in the Turkish market using measures of non-price competition. In this market, issuers compete monopolistically by differentiating their credit card products. The fact that credit cards and all other banking services are perceived as a bundle by consumers allows banks to deploy also bank level characteristics to differentiate thei...

  4. Willingness of upstream and downstream resource managers to engage in compensation schemes for environmental services

    Directory of Open Access Journals (Sweden)

    Chapika Sangkapitux

    2009-04-01

    Full Text Available Providing compensation for agricultural conservation practices adopted by upstream farmers is still an alien concept in the Thai political context. The governance of common-pool natural resources, such as forest and water, has traditionally been under the control of powerful government line agencies, while the contribution of local communities to natural resource conservation have been hardly recognized by policy-makers. Drawing on a case study in Mae Sa watershed, Chiang Mai province, northern Thailand, this paper discusses the potential of developing compensation schemes in a socio-political context where upland farmers – mostly belonging to ethnic minority groups – tend to be considered a threat to the natural resource base rather than providers of environmental services. Based on data obtained from 371 households in the upstream communities and 151 households in the downstream communities of the watershed, upstream resource managers’ willingness to accept compensation for the conservation measures and downstream resource managers’ willingness to pay for water resource improvements were estimated through the use of choice experiments. Results from the study suggest that downstream resource managers would be willing to provide on average nearly 1% of their annual income for a substantial improvement of the quantity and quality of water resources, which could be achieved by compensating upstream farmers’ change of their agricultural systems towards more environment-friendly practices. Both willingness to pay of downstream respondents and willingness of upstream resource managers to accept compensation were positively correlated with age, education, participation in environmental conservation activities and previous experiences with droughts and/or erosion. The paper concludes that there is a clear potential for establishing compensation schemes for provision of environmental services in northern Thai watersheds. The important policy

  5. Compensation and Rewards for Environmental Services in the Developing World: Framing Pan-Tropical Analysis and Comparison

    Directory of Open Access Journals (Sweden)

    Brent M. Swallow

    2009-12-01

    Full Text Available This is the first of a series of papers that review the state of knowledge and practice regarding compensation and rewards for environmental services in the developing world. The paper begins with an assessment of the historical development of compensation and reward mechanisms within a broader context of changing approaches to nature conservation and environmental policy. The assessment shows that greater interest in compensation and reward mechanisms has emerged within a policy context of changing approaches to nature conservation and flexible multi-stakeholder approaches to environmental management. In the developing world, an even greater variety of perspectives has emerged on the opportunities and threats for using compensation and rewards for environmental services. Within that background, the paper clarifies key concepts - including the distinction between compensation and reward - and presents a conceptual framework for typifying and characterizing different types of mechanisms that link ecosystem stewards, ecosystem service beneficiaries, and intermediaries.

  6. 12 CFR 561.12 - Consumer credit.

    Science.gov (United States)

    2010-01-01

    ...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

  7. Quality of urban forest carbon credits

    Science.gov (United States)

    Neelam C. Poudyala; Jacek P. Siry; J.M. Bowker

    2011-01-01

    While the urban forest is considered an eligible source of carbon offset credits, little is known about its market potential and the quality aspects of the credits. As credit suppliers increase in number and credit buyers become more interested in purchasing carbon credits, it is unclear whether and how urban forest carbon credits can perform relative to the other...

  8. An Environmental Scan of Health and Social System Navigation Services in an Urban Canadian Community

    Directory of Open Access Journals (Sweden)

    Nancy Carter RN, PhD

    2017-01-01

    Full Text Available Systems navigation services provided by a designated provider or team have the potential to address health and social disparities. We conducted an environmental scan of navigation activities in a large urban Canadian community to identify and describe: service providers who engage in systems navigation; the clients who require systems navigation support and the issues they face; activities involved; and barriers and facilitators in providing systems navigation support to clients. Using an online survey and convenience sampling, we recruited individuals who self-identified as community navigators or practiced systems navigation activities as part of their role. The majority of respondents ( n  = 145 were social workers, social services workers, or nurses. Clients of navigators struggled with mental health or addictions issues, disabilities, chronic diseases, and history of trauma or abuse. The most frequently reported activities of navigators were building professional relationships, managing paperwork, and communicating with relevant agencies or organizations. Barriers to navigation were time available in the work day, difficulty partnering due to bureaucratic structures, differing philosophies and ways of working, and a lack of central information repository in the community. Facilitators were a client-centered organization, the availability of multiple community resources in the region, and organizational support. Participants struggled with client waitlists, system issues such as lack of resources and interagency collaboration, and role clarity.

  9. The economic value of environmental services on indigenous-held lands in Australia.

    Directory of Open Access Journals (Sweden)

    Kerstin K Zander

    Full Text Available Australians could be willing to pay from $878m to $2b per year for Indigenous people to provide environmental services. This is up to 50 times the amount currently invested by government. This result was derived from a nationwide survey that included a choice experiment in which 70% of the 927 respondents were willing to contribute to a conservation fund that directly pays Indigenous people to carry out conservation activities. Of these the highest values were found for benefits that are likely to improve biodiversity outcomes, carbon emission reductions and improved recreational values. Of the activities that could be undertaken to provide the services, feral animal control attracted the highest level of support followed by coastal surveillance, weed control and fire management. Respondents' decisions to pay were not greatly influenced by the additional social benefits that can arise for Indigenous people spending time on country and providing the services, although there was approval for reduced welfare payments that might arise.

  10. Credit scoring for individuals

    Directory of Open Access Journals (Sweden)

    Maria DIMITRIU

    2010-12-01

    Full Text Available Lending money to different borrowers is profitable, but risky. The profits come from the interest rate and the fees earned on the loans. Banks do not want to make loans to borrowers who cannot repay them. Even if the banks do not intend to make bad loans, over time, some of them can become bad. For instance, as a result of the recent financial crisis, the capability of many borrowers to repay their loans were affected, many of them being on default. That’s why is important for the bank to monitor the loans. The purpose of this paper is to focus on credit scoring main issues. As a consequence of this, we presented in this paper the scoring model of an important Romanian Bank. Based on this credit scoring model and taking into account the last lending requirements of the National Bank of Romania, we developed an assessment tool, in Excel, for retail loans which is presented in the case study.

  11. 76 FR 44866 - Credit Union Service Organizations

    Science.gov (United States)

    2011-07-27

    ... by a licensed certified public accountant. These requirements will ensure NCUA will be able to... public accountant, and submit a financial report directly to NCUA. According to NCUA records, of the 2... licensed certified public accountant in accordance with generally accepted auditing standards. A wholly...

  12. 78 FR 72537 - Credit Union Service Organizations

    Science.gov (United States)

    2013-12-03

    ... record retention timeframes for audit and tax purposes. Parallel amendments are made in the final rule to... of its financial statements by a licensed certified public accountant. \\12\\ 73 FR 79312 (Dec. 29... information, including the CUSO's legal name; tax identification number (e.g., EIN); address; telephone number...

  13. Multi-actor involvement for integrating ecosystem services in strategic environmental assessment of spatial plans

    Energy Technology Data Exchange (ETDEWEB)

    Rozas-Vásquez, Daniel, E-mail: danielrozas@gmail.com [Center for Development Research, Dept. Ecology and Natural Resources Management, University of Bonn, Walter Flex Str. 3, 53113 Bonn (Germany); Laboratorio de Planificación Territorial, Universidad Católica de Temuco, Rudecindo ortega, 02950 Temuco (Chile); Fürst, Christine [Martin Luther University Halle-Wittenberg, Dept. Natural Sciences III, Institute for Geosciences and Geography, Von Seckendorff-Platz 4, 06120 Halle-Saale (Germany); Geneletti, Davide [University of Trento, Department of Civil, Environmental and Mechanical Engineering, via Mesiano, 77, Trento 38123 (Italy); Muñoz, Francisco [Laboratorio de Planificación Territorial, Universidad Católica de Temuco, Rudecindo ortega, 02950 Temuco (Chile)

    2017-01-15

    Integrating an ecosystem services (ES) approach into Strategic Environmental Assessment (SEA) of spatial plans potentially enhances the consideration of the value of nature in decision making and policy processes. However, there is increasing concern about the institutional context and a lack of a common understanding of SEA and ecosystem services for adopting them as an integrated framework. This paper addresses this concern by analysing the current understanding and network relations in a multi-actor arrangement as a first step towards a successful integration of ES in SEA and spatial planning. Our analysis focuses on a case study in Chile, where we administered a questionnaire survey to some of the main actors involved in the spatial planning process. The questionnaire focused on issues such as network relations among actors and on conceptual understanding, perceptions and challenges for integrating ES in SEA and spatial planning, knowledge on methodological approaches, and the connections and gaps in the science-policy interface. Our findings suggest that a common understanding of SEA and especially of ES in a context of multiple actors is still at an initial stage in Chile. Additionally, the lack of institutional guidelines and methodological support is considered the main challenge for integration. We conclude that preconditions exist in Chile for integrating ES in SEA for spatial planning, but they strongly depend on appropriate governance schemes that promote a close science-policy interaction, as well as collaborative work and learning. - Highlights: • Linking ecosystem services in SEA is an effective framework for sustainability. • Multi-actor understanding and networks in ecosystem services and SEA were analyzed. • Understanding of SEA and especially of ES is still in an initial stage in Chile. • A lack of institutional guidelines is one of the key challenges for this link.

  14. Multi-actor involvement for integrating ecosystem services in strategic environmental assessment of spatial plans

    International Nuclear Information System (INIS)

    Rozas-Vásquez, Daniel; Fürst, Christine; Geneletti, Davide; Muñoz, Francisco

    2017-01-01

    Integrating an ecosystem services (ES) approach into Strategic Environmental Assessment (SEA) of spatial plans potentially enhances the consideration of the value of nature in decision making and policy processes. However, there is increasing concern about the institutional context and a lack of a common understanding of SEA and ecosystem services for adopting them as an integrated framework. This paper addresses this concern by analysing the current understanding and network relations in a multi-actor arrangement as a first step towards a successful integration of ES in SEA and spatial planning. Our analysis focuses on a case study in Chile, where we administered a questionnaire survey to some of the main actors involved in the spatial planning process. The questionnaire focused on issues such as network relations among actors and on conceptual understanding, perceptions and challenges for integrating ES in SEA and spatial planning, knowledge on methodological approaches, and the connections and gaps in the science-policy interface. Our findings suggest that a common understanding of SEA and especially of ES in a context of multiple actors is still at an initial stage in Chile. Additionally, the lack of institutional guidelines and methodological support is considered the main challenge for integration. We conclude that preconditions exist in Chile for integrating ES in SEA for spatial planning, but they strongly depend on appropriate governance schemes that promote a close science-policy interaction, as well as collaborative work and learning. - Highlights: • Linking ecosystem services in SEA is an effective framework for sustainability. • Multi-actor understanding and networks in ecosystem services and SEA were analyzed. • Understanding of SEA and especially of ES is still in an initial stage in Chile. • A lack of institutional guidelines is one of the key challenges for this link.

  15. Description and testing of the Geo Data Portal: Data integration framework and Web processing services for environmental science collaboration

    Science.gov (United States)

    Blodgett, David L.; Booth, Nathaniel L.; Kunicki, Thomas C.; Walker, Jordan I.; Viger, Roland J.

    2011-01-01

    Interest in sharing interdisciplinary environmental modeling results and related data is increasing among scientists. The U.S. Geological Survey Geo Data Portal project enables data sharing by assembling open-standard Web services into an integrated data retrieval and analysis Web application design methodology that streamlines time-consuming and resource-intensive data management tasks. Data-serving Web services allow Web-based processing services to access Internet-available data sources. The Web processing services developed for the project create commonly needed derivatives of data in numerous formats. Coordinate reference system manipulation and spatial statistics calculation components implemented for the Web processing services were confirmed using ArcGIS 9.3.1, a geographic information science software package. Outcomes of the Geo Data Portal project support the rapid development of user interfaces for accessing and manipulating environmental data.

  16. Analysis of the quality of wastewater from the service stations located in the operative area of Helsinki Region Environmental Services Authority

    OpenAIRE

    Dahal, Karna

    2012-01-01

    The objective of this thesis was to analyse the data of pollutant parameters for waste water from the service stations situated in the operative area of the Viikinmäki and Suomenoja WWTPs in the Helsinki Region Environmental Services Authority (HSY). The main reason for this analysis was that HSY wanted to know about the quality of waste water discharged from the service stations into the influent of its WWTPs. The number of cars used in Finland is increasing day by day; hence, au...

  17. 41 CFR 102-79.40 - Can Federal agencies allot space in Federal buildings to Federal credit unions?

    Science.gov (United States)

    2010-07-01

    ... Federal credit unions without charge for rent or services if— (a) At least 95 percent of the membership of... presently Federal employees or were Federal employees at the time of admission into the credit union, and...

  18. The capacity credit of micro-combined heat and power

    International Nuclear Information System (INIS)

    Hawkes, A.D.; Leach, M.A.

    2008-01-01

    This article is concerned with development of a methodology to determine the capacity credit of micro-combined heat and power (micro-CHP), and application of the method for the UK. Capacity credit is an important parameter in electricity system planning because it measures the amount of conventional generation that would be displaced by an alternative technology. Firstly, a mathematical formulation is presented. Capacity credit is then calculated for three types of micro-CHP units-Stirling engine, internal combustion engine, and fuel cell systems-operating under various control strategies. It is found that low heat-to-power ratio fuel cell technologies achieve the highest capacity credit of approximately 85% for a 1.1 GW penetration when a heat-led control strategy is applied. Higher heat-to-power ratio Stirling engine technology achieves approximately 33% capacity credit for heat-led operation. Low heat-to-power ratio technologies achieve higher capacity credit because they are able to continue operating even when heat demand is relatively low. Capacity credit diminishes as penetration of the technology increases. Overall, the high capacity credit of micro-CHP contributes to the viewpoint that the technology can help meet a number of economic and environmental energy policy aims

  19. CEMS: Building a Cloud-Based Infrastructure to Support Climate and Environmental Data Services

    Science.gov (United States)

    Kershaw, P. J.; Curtis, M.; Pechorro, E.

    2012-04-01

    CEMS, the facility for Climate and Environmental Monitoring from Space, is a new joint collaboration between academia and industry to bring together their collective expertise to support research into climate change and provide a catalyst for growth in related Earth Observation (EO) technologies and services in the commercial sector. A recent major investment by the UK Space Agency has made possible the development of a dedicated facility at ISIC, the International Space Innovation Centre at Harwell in the UK. CEMS has a number of key elements: the provision of access to large-volume EO and climate datasets co-located with high performance computing facilities; a flexible infrastructure to support the needs of research projects in the academic community and new business opportunities for commercial companies. Expertise and tools for scientific data quality and integrity are another essential component, giving users confidence and transparency in its data, services and products. Central to the development of this infrastructure is the utilisation of cloud-based technology: multi-tenancy and the dynamic provision of resources are key characteristics to exploit in order to support the range of organisations using the facilities and the varied use cases. The hosting of processing services and applications next to the data within the CEMS facility is another important capability. With the expected exponential increase in data volumes within the climate science and EO domains it is becoming increasingly impracticable for organisations to retrieve this data over networks and provide the necessary storage. Consider for example, the factor of o20 increase in data volumes expected for the ESA Sentinel missions over the equivalent Envisat instruments. We explore the options for the provision of a hybrid community/private cloud looking at offerings from the commercial sector and developments in the Open Source community. Building on this virtualisation layer, a further core

  20. Monetary valuation of environmental goods, services and impacts: variability of monetary values. Seminar proceedings of December 10, 2014

    International Nuclear Information System (INIS)

    Bonnet, Xavier; Ben Maid, Atika; Calvet, Melanie; Darses, Ophelie; Devaux, Jeremy; Simon, Olivier; Gatier, Alexis; Wittmann, Anne-laure; Bonnet, Xavier; Bonroy, Olivier; Ceci-Renaud, Nila; Tarayoun, Tedjani; Mercadie, Corinne; Adam, Gabrielle; Perrissin Fabert, Baptiste; Combet, Emmanuel; Casset, Loic; Meunier, David; Le Maitre, Helene; Brunel, Julien; Rotillon, Gilles

    2015-06-01

    Within the General Commission for Sustainable Development, the Service for Economics, Assessment and Integration of Sustainable Development is in charge of developing and promoting the economic valuation of policies, regulations, environmental goods and services, related to biodiversity, natural assets and environmental amenities. On December 10, 2014, it held the fifth annual seminar on monetary valuation of environmental goods, services and impacts. The first four editions respectively were devoted to economic valuation methods of environmental goods and services, implementations of these methods, uses of monetary values and methodological innovations; the 2014 seminar addressed the variability of monetary values. The ten presentations of the seminar explored the different values resulting from monetary valuation methods: what do they mean? What do they measure? Why are they relevant to integrate environmental valuation in the various economic sectors? From both a theoretical and practical point of view, theses questions were addressed by considering three main topics: the integration of environmental value in market prices, the different meanings of carbon values and the temporal variability of values used in assessment of investment projects in the transport sector. Those conferences are aimed for experts and practitioners of monetary valuation techniques as well as for users of the values produced. They provide a place to gather and facilitate dialogue between representatives from universities, government agencies and private sector involved in these issues. (authors)

  1. Concurrent credit portfolio losses.

    Science.gov (United States)

    Sicking, Joachim; Guhr, Thomas; Schäfer, Rudi

    2018-01-01

    We consider the problem of concurrent portfolio losses in two non-overlapping credit portfolios. In order to explore the full statistical dependence structure of such portfolio losses, we estimate their empirical pairwise copulas. Instead of a Gaussian dependence, we typically find a strong asymmetry in the copulas. Concurrent large portfolio losses are much more likely than small ones. Studying the dependences of these losses as a function of portfolio size, we moreover reveal that not only large portfolios of thousands of contracts, but also medium-sized and small ones with only a few dozens of contracts exhibit notable portfolio loss correlations. Anticipated idiosyncratic effects turn out to be negligible. These are troublesome insights not only for investors in structured fixed-income products, but particularly for the stability of the financial sector. JEL codes: C32, F34, G21, G32, H81.

  2. Connectedness between US industry level credit markets and determinants

    Science.gov (United States)

    Shahzad, Syed Jawad Hussain; Kayani, Ghulam Mujtaba; Raza, Syed Ali; Shah, Nida; Al-Yahyaee, Khamis H.

    2018-02-01

    We examine the connectedness between US industry-level credit markets, using both Credit Default Spread (CDS) changes and volatilities, over the period from December 17, 2007, to November 13, 2015. The total, net directional and pairwise spillovers are estimated based on the generalized VAR framework developed by Diebold and Yilmaz (2012). The empirical analysis shows strong interactions for CDS spread change and volatility among all ten industries. Consumer Services and Basic Materials are the significant risk transmitters. Economic policy uncertainty and different market volatilities significantly determine credit market risk spillovers which also increase during market turbulence situations indicating a possible contagion effect. Implications of the findings are discussed.

  3. The importance of trade in services and environmental amenities to the location of producer service activities in the western United States

    Energy Technology Data Exchange (ETDEWEB)

    Allison, T.

    1991-12-31

    The use of business services has had an increasingly important effect on economic performance in many industries, with the ability of firms in a given location to respond to changes in external markets, production techniques and material supplies often determined by the local provision of business information. Consequently, an increasing research effort has focused on the characteristics and role of producer services activities at the regional and urban economies. This paper examines the nature and extent of external linkages of a sample of independent producer service firms in the two regional centers of Denver and Salt Lake City. Preliminary results are presented from a larger survey of local and regional factors important to the location of producer service activity using survey data collected from producer service activities in metropolitan and non-metropolitan places in Colorado and Utah. Findings are presented in three main areas of interest: the importance and geographic sources of subcontracting of business services by producer service establishments, particularly those establishments where scientific and technical occupations are an important location factor; the geographic and sectoral distribution of service sales; and the relative importance of various environmental amenities to the location of producer service activities.

  4. The importance of trade in services and environmental amenities to the location of producer service activities in the western United States

    Energy Technology Data Exchange (ETDEWEB)

    Allison, T.

    1991-01-01

    The use of business services has had an increasingly important effect on economic performance in many industries, with the ability of firms in a given location to respond to changes in external markets, production techniques and material supplies often determined by the local provision of business information. Consequently, an increasing research effort has focused on the characteristics and role of producer services activities at the regional and urban economies. This paper examines the nature and extent of external linkages of a sample of independent producer service firms in the two regional centers of Denver and Salt Lake City. Preliminary results are presented from a larger survey of local and regional factors important to the location of producer service activity using survey data collected from producer service activities in metropolitan and non-metropolitan places in Colorado and Utah. Findings are presented in three main areas of interest: the importance and geographic sources of subcontracting of business services by producer service establishments, particularly those establishments where scientific and technical occupations are an important location factor; the geographic and sectoral distribution of service sales; and the relative importance of various environmental amenities to the location of producer service activities.

  5. Environmental impact assessment and monetary ecosystem service valuation of an ecosystem under different future environmental change and management scenarios; a case study of a Scots pine forest.

    Science.gov (United States)

    Schaubroeck, Thomas; Deckmyn, Gaby; Giot, Olivier; Campioli, Matteo; Vanpoucke, Charlotte; Verheyen, Kris; Rugani, Benedetto; Achten, Wouter; Verbeeck, Hans; Dewulf, Jo; Muys, Bart

    2016-05-15

    For a sustainable future, we must sustainably manage not only the human/industrial system but also ecosystems. To achieve the latter goal, we need to predict the responses of ecosystems and their provided services to management practices under changing environmental conditions via ecosystem models and use tools to compare the estimated provided services between the different scenarios. However, scientific articles have covered a limited amount of estimated ecosystem services and have used tools to aggregate services that contain a significant amount of subjective aspects and that represent the final result in a non-tangible unit such as 'points'. To resolve these matters, this study quantifies the environmental impact (on human health, natural systems and natural resources) in physical units and uses an ecosystem service valuation based on monetary values (including ecosystem disservices with associated negative monetary values). More specifically, the paper also focuses on the assessment of ecosystem services related to pollutant removal/generation flows, accounting for the inflow of eutrophying nitrogen (N) when assessing the effect of N leached to groundwater. Regarding water use/provisioning, evapotranspiration is alternatively considered a disservice because it implies a loss of (potential) groundwater. These approaches and improvements, relevant to all ecosystems, are demonstrated using a Scots pine stand from 2010 to 2089 for a combination of three environmental change and three management scenarios. The environmental change scenarios considered interannual climate variability trends and included alterations in temperature, precipitation, nitrogen deposition, wind speed, Particulate matter (PM) concentration and CO2 concentration. The addressed flows/ecosystem services, including disservices, are as follows: particulate matter removal, freshwater loss, CO2 sequestration, wood production, NOx emissions, NH3 uptake and nitrogen pollution/removal. The monetary

  6. Towards a personalized environmental health information service using low-cost sensors and crowdsourcing

    Science.gov (United States)

    Castell, Nuria; Liu, Hai-Ying; Schneider, Philipp; Cole-Hunter, Tom; Lahoz, William; Bartonova, Alena

    2015-04-01

    Most European cities exceed the air quality guidelines established by the WHO to protect human health. As such, citizens are exposed to potentially harmful pollutant levels. Some cities have services (e.g., web pages, mobile apps, etc.) which provide timely air quality information to the public. However, air quality data at individual level is currently scarce or non-existent. Making this information directly useful to individuals poses a challenge. For instance, if a user is informed that the air quality is "poor", what does that mean for him/her, and how can this information be acted upon? Despite individuals having a unique relationship with their environment, the information on the state of atmospheric components and related hazards is currently mostly generic, and seldom personally relevant. This undermines citizens' interest in their environment, and consequently limits their ability to recognize and change both their contribution and their exposure to air pollution. In Oslo, two EU founded projects, CITI-SENSE (Engelken-Jorge et al., 2014) and Citi-Sense-MOB (Castell et al., 2014), are trying to establish a dialogue with citizens by providing them with the possibility of getting personalized air quality information on their smartphones. The users are able to check the air quality in their immediate surroundings and track their individual exposure while moving through the urban environment (Castell et al., 2014). In this way, they may be able to reduce their exposure such as by changing transport modes or routes, for example by selecting less polluted streets to walk or cycle through. Using a smartphone application, citizens are engaged in collecting and sharing environmental data generated by low-cost air quality sensors, and in reporting their individual perception (turning citizens into sensors themselves). The highly spatially resolved data on air quality and perception is geo-located. This allows for simultaneous visualization of both kinds of the sensor

  7. Long-Term Effects of Payments for Environmental Services: Combining Insights from Communication and Economics

    Directory of Open Access Journals (Sweden)

    John M. Kerr

    2017-09-01

    Full Text Available Interdisciplinary analytical perspectives can bring important insights to address complex sustainability problems. In this paper we present and apply a model that integrates perspectives from economics and communication sciences to address the question of what happens to pro-environmental behavior after the introduction and then the withdrawal of payment for environmental services (PES. In particular, we discuss the effects of financial incentives on social norms and the effects of norms on subsequent behavior after incentives have ended. This is important because the dominant literature on PES lacks a sophisticated understanding of social norms and fails to address what will happen to behavior once payments end. That literature addresses the potential problem that payments can crowd out or possibly crowd in intrinsic sources of motivation for pro-social behavior, but it lacks the sophisticated understanding of social norms that has the potential to help explain and address this phenomenon. We summarize experimental evidence based on our model showing that introducing a financial incentive for behavior change can change social norms around that behavior. These norms, in turn, can continue to influence behavior even after incentives have ended. PES programs can address this situation by actively evoking existing social norms in favor of conservation.

  8. Radionuclide traceability for U.S. Department of Energy Environmental Management Radioanalytical Services

    International Nuclear Information System (INIS)

    Morton, J.S.; McIntyre, T.I.

    2001-01-01

    In 1999, the Department of Energy Office of Environmental Management (DOE-EM) National Analytical Management Program (NAMP) established a Radiological Traceability Program (RTP) as a new initiative for the radioanalytical activities related to the environmental programs conducted throughout the DOE complex. The National Analytical Management Program entered into an interagency agreement with the National Institute of Standards and Technology (NIST) to establish traceability to the national standard for DOE-EM radioanalytical activities through the NIST/reference laboratory concept as described in ANSI N42.23-1996. Using the criteria established by the RTP, NAMP named two DOE-EM laboratories as reference or secondary laboratories and established a program with NIST that demonstrated the concept of traceability. In order to gain and maintain traceability to NIST, each reference laboratory must meet the performance criteria as defined by the RTP and NAMP. Traceability to NIST is tiered down to each radioanalytical laboratory (monitor or service) that successfully participates in the performance-evaluation programs offered by the reference laboratories. Essential to the RTP is the demonstration that the reference laboratories can produce performance-testing (PT) materials of high quality as well as analyze/verify the radionuclide concentration to the required accuracy and precision. Elements of the RTP and the program requirements of NIST and the reference laboratories are presented. (author)

  9. Energy consumption, costs and environmental impacts for urban water cycle services: Case study of Oslo (Norway)

    International Nuclear Information System (INIS)

    Venkatesh, G.; Brattebo, Helge

    2011-01-01

    Energy consumption in the operation and maintenance phase of the urban water and wastewater network is directly related to both the quantity and the desired quality of the supplied water/treated wastewater - in other words, to the level of service provided to consumers. The level of service is dependent on not just the quantity and quality of the water but also the state of the infrastructure. Maintaining the infrastructure so as to be able to provide the required high level of service also demands energy. Apart from being a significant operational cost component, energy use also contributes to life-cycle environmental impacts. This paper studies the direct energy consumption in the operation and maintenance phase of the water and wastewater system in Oslo; and presents a break-up among the different components of the network, of quantities, costs and environmental impacts. Owing to the diversity in the periods of time for which comprehensive data for the whole system are available, the study period is restricted to years 2000-2006. The per-capita annual consumption of energy in the operational phase of the system varied between 220 and 260 kWh; and per-capita annual expenses on energy in inflation-adjusted year-2006-Euros ranged between 6.5 and 11 Euros. The energy consumed on the upstream, per unit volume water supplied was around 0.4 kWh on average, while the corresponding value for the downstream was 0.8 kWh per cubic metre wastewater treated. The upstream Greenhouse gas (GHG) emissions ranged between 70 and 80 g per cubic metre of water supplied, about 22% greater on average than the corresponding specific GHG emissions on the downstream. -- Research highlights: → Annual per-capita energy consumption in the Operation and Maintenance (O and M) phase of the system varied between 220 and 260 kWh. → Annual per-capita annual expenses on energy in inflation-adjusted year-2006-Euros ranged between 6.5 and 11 Euros. → Upstream O and M energy consumption per

  10. Financial sustainability in savings and credit programmes.

    Science.gov (United States)

    Havers, M

    1996-05-01

    This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action

  11. Credit demand in Mozambican manufacturing

    DEFF Research Database (Denmark)

    Byiers, Bruce; Rand, John; Tarp, Finn

    2010-01-01

    This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

  12. Store Security. Credit Card Fraud.

    Science.gov (United States)

    Brockway, Jerry

    The manual, intended for use by adults and not in the high school classroom situation, presents material directed toward assisting in the reduction of credit card crime. This teaching guide is organized in three sections which deal with the nature of and major reasons for credit card fraud, the types of hot card runners, and methods of reducing…

  13. Tuition Tax Credits. Issuegram 19.

    Science.gov (United States)

    Augenblick, John; McGuire, Kent

    Approaches for using the federal income tax system to aid families of pupils attending private schools include: tax credits, tax deductions, tax deferrals, and education savings incentives. Tax credit structures can be made refundable and made sensitive to taxpayers' income levels, the level of education expenditures, and designated costs.…

  14. Sharing environmental models: An Approach using GitHub repositories and Web Processing Services

    Science.gov (United States)

    Stasch, Christoph; Nuest, Daniel; Pross, Benjamin

    2016-04-01

    The GLUES (Global Assessment of Land Use Dynamics, Greenhouse Gas Emissions and Ecosystem Services) project established a spatial data infrastructure for scientific geospatial data and metadata (http://geoportal-glues.ufz.de), where different regional collaborative projects researching the impacts of climate and socio-economic changes on sustainable land management can share their underlying base scenarios and datasets. One goal of the project is to ease the sharing of computational models between institutions and to make them easily executable in Web-based infrastructures. In this work, we present such an approach for sharing computational models relying on GitHub repositories (http://github.com) and Web Processing Services. At first, model providers upload their model implementations to GitHub repositories in order to share them with others. The GitHub platform allows users to submit changes to the model code. The changes can be discussed and reviewed before merging them. However, while GitHub allows sharing and collaborating of model source code, it does not actually allow running these models, which requires efforts to transfer the implementation to a model execution framework. We thus have extended an existing implementation of the OGC Web Processing Service standard (http://www.opengeospatial.org/standards/wps), the 52°North Web Processing Service (http://52north.org/wps) platform to retrieve all model implementations from a git (http://git-scm.com) repository and add them to the collection of published geoprocesses. The current implementation is restricted to models implemented as R scripts using WPS4R annotations (Hinz et al.) and to Java algorithms using the 52°North WPS Java API. The models hence become executable through a standardized Web API by multiple clients such as desktop or browser GIS and modelling frameworks. If the model code is changed on the GitHub platform, the changes are retrieved by the service and the processes will be updated

  15. 77 FR 22067 - Publication of Inflation Adjustment Factor, Nonconventional Source Fuel Credit, and Reference...

    Science.gov (United States)

    2012-04-12

    ... calendar year 2011. DATES: The 2011 inflation adjustment factor and nonconventional source fuel credit... DEPARTMENT OF THE TREASURY Internal Revenue Service Publication of Inflation Adjustment Factor, Nonconventional Source Fuel Credit, and Reference Price for Calendar Year 2011 AGENCY: Internal Revenue Service...

  16. 76 FR 39341 - Encouraging New Markets Tax Credit Non-Real Estate Investments; Correction

    Science.gov (United States)

    2011-07-06

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [REG-114206-11] RIN 1545-BK21 Encouraging New Markets Tax Credit Non-Real Estate Investments; Correction AGENCY: Internal Revenue Service... how the new markets tax credit program may be amended to encourage non-real estate investments. FOR...

  17. 76 FR 39343 - New Markets Tax Credit Non-Real Estate Investments; Correction

    Science.gov (United States)

    2011-07-06

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [REG-101826-11] RIN 1545-BK04 New Markets Tax Credit Non-Real Estate Investments; Correction AGENCY: Internal Revenue Service (IRS... Tuesday, June 7, 2011 (76 FR 32882) modifying the new markets tax credit program to facilitate and...

  18. 12 CFR 703.6 - Credit analysis.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least annually...

  19. Credit Cards. Bulletin No. 721. (Revised.)

    Science.gov (United States)

    Fox, Linda Kirk

    This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…

  20. 7 CFR 4280.139 - Credit quality.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4280.139 Section 4280.139 Agriculture... Improvements Program Section B. Guaranteed Loans § 4280.139 Credit quality. The lender must determine credit quality and must address all of the elements of credit quality in a written credit analysis, including...

  1. The influence of sovereign credit ratings on corporate credit ratings.

    OpenAIRE

    Umutoni, Liliane

    2017-01-01

    Credit ratings have a key role in modern financial markets as they communicate crucial information on the creditworthiness of a debt issuer to investors and regulators. These credit ratings are mostly determined by three rating agencies, namely Standard & Poor’s, Moody’s and Fitch, even though, the credit rating industry counts a dozen of recognized rating agencies. Indeed, the three agencies have become the market leaders with a market share of 94.3% on the U.S market (Bloomberg, 2015) and 9...

  2. Monitoring outcomes of environmental service provision in low socio-economic indigenous Australia using innovative CyberTracker Technology

    Directory of Open Access Journals (Sweden)

    E J Ens

    2012-01-01

    Full Text Available Payments for environmental services (PES are increasingly promoted as an economic mechanism that could potentially address socio-economic and environmental conservation objectives in developing regions. However, the reporting and conditionality requirements of PES projects can be inhibitory, particularly for people with low environmental monitoring or administration capacity. Here, I provide five case studies where Indigenous Land and Sea Management groups in remote northern Australia, have combined Indigenous ecological knowledge, Western science, and the innovative CyberTracker technology to record and monitor the ecological outcomes of their land management activities to facilitate engagement with mainstream economies in Australia. The case studies elucidate methods of data collection and recording for established and potential PES projects where environmental monitoring and adaptive land and sea management are clear objectives, with longer term prospects for socio-economic benefits of Indigenous community education, empowerment and development. Similar monitoring and reporting methods could be applied in other contexts where individuals or community groups want to engage in emerging mainstream environmental service markets, but lack environmental monitoring and reporting capacity, such as other Indigenous groups, people from economically poor regions, or farmers in environmentally valuable regions.

  3. The Neutron Personal Dosimetry Service of the Centre for Radiation, Chemical and Environmental Hazards, PHE-UK

    International Nuclear Information System (INIS)

    Campo Blanco, X.

    2015-01-01

    The Centre for Radiation, Chemical and Environmental Hazards (CRCEH), that belongs to Public Health England (PHE), hosts the official Neutron Personal Dosimetry Service of the United Kingdom. They use etched-track detectors, made of a material called PADC (poly-allyl diglycol carbonate), to determinate de neutron personal dose. A two weeks visit has been made to this center, in order to learn about the facilities, the methods employed and the legislative framework of the Neutron Personal Dosimetry Service. In this work the main results of this visits are shown, which are interesting for the future development of an official neutron personal dosimetry service in Spain.

  4. Unidata Internet Data Distribution (IDD) and THematic Real-time Environmental Distributed Data Services (THREDDS)

    Science.gov (United States)

    Domenico, B.

    2001-12-01

    Universities across the nation are transforming their teaching and research efforts through increased use of a rapidly expanding menu of environmental data. With funding from the Division of Atmospheric Sciences (ATM ) of the National Science Foundation (NSF), the Unidata Program is playing a central role in this transformation by enabling universities to employ innovative computing and networking technologies to acquire such data sets in real-time and use them routinely in their classrooms and research labs. Working with the Unidata Program Center (UPC), the Unidata community, comprising over 140 departments, has built a national Internet Data Distribution (IDD ) system. The IDD allows users to "subscribe" to certain sets of data products; IDD servers then deliver the requested data to their local servers as soon as they are available from the source. With the initial national implementation in 1994, the IDD may have been the original example of Internet "push" technology. It now provides the reliability, flexibility, and efficiency required by participating institutions. As the underlying Internet technology evolves, we anticipate dramatic increases in the volume of data delivered. We plan to augment the system to better serve disciplines outside the atmospheric sciences and to incorporate anticipated new networking technologies to minimize the impact of the IDD on the underlying network. Unidata has recently undertaken a new initiative called THREDDS (THematic Real-time Environmental Distributed Data Services) under a grant from the NSF Division of Undergraduate Education NSDL (National Science, Math, Engineering, Technology Education Digital Library). The goal of THREDDs is to make it possible for students, educators and researchers to publish, contribute, find, and interact with data relating to the Earth system in a convenient, effective, and integrated fashion. Just as the World Wide Web and digital-library technologies have simplified the process of

  5. Policy, Practice, and Research Agenda for Emergency Medical Services Oversight: A Systematic Review and Environmental Scan.

    Science.gov (United States)

    Taymour, Rekar K; Abir, Mahshid; Chamberlin, Margaret; Dunne, Robert B; Lowell, Mark; Wahl, Kathy; Scott, Jacqueline

    2018-02-01

    Introduction In a 2015 report, the Institute of Medicine (IOM; Washington, DC USA), now the National Academy of Medicine (NAM; Washington, DC USA), stated that the field of Emergency Medical Services (EMS) exhibits signs of fragmentation; an absence of system-wide coordination and planning; and a lack of federal, state, and local accountability. The NAM recommended clarifying what roles the federal government, state governments, and local communities play in the oversight and evaluation of EMS system performance, and how they may better work together to improve care. This systematic literature review and environmental scan addresses NAM's recommendations by answering two research questions: (1) what aspects of EMS systems are most measured in the peer-reviewed and grey literatures, and (2) what do these measures and studies suggest for high-quality EMS oversight? To answer these questions, a systematic literature review was conducted in the PubMed (National Center for Biotechnology Information, National Institutes of Health; Bethesda, Maryland USA), Web of Science (Thomson Reuters; New York, New York USA), SCOPUS (Elsevier; Amsterdam, Netherlands), and EMBASE (Elsevier; Amsterdam, Netherlands) databases for peer-reviewed literature and for grey literature; targeted web searches of 10 EMS-related government agencies and professional organizations were performed. Inclusion criteria required peer-reviewed literature to be published between 1966-2016 and grey literature to be published between 1996-2016. A total of 1,476 peer-reviewed titles were reviewed, 76 were retrieved for full-text review, and 58 were retained and coded in the qualitative software Dedoose (Manhattan Beach, California USA) using a codebook of themes. Categorizations of measure type and level of application were assigned to the extracted data. Targeted websites were systematically reviewed and 115 relevant grey literature documents were retrieved. A total of 58 peer-reviewed articles met inclusion

  6. From basic raw material goods to cultural and environmental services: the Chinese bamboo sophistication path

    Directory of Open Access Journals (Sweden)

    Manuel Ruiz Pérez

    2014-12-01

    Full Text Available Bamboo has deep cultural and economic roots in China, the country with the largest bamboo resources in the world. Over the last three decades bamboo has evolved from a supply of raw material for basic goods into the material base of an increasingly diversified array of products and, more recently, into a potentially important source of cultural and environmental services. Based on a general literature review and the lessons learned from detailed case studies in different regions of China, we explored the changing roles of bamboo, and its effects on local economies and farmers' livelihood strategies. As the country develops and new economic activities continue to appear, bamboo production has shifted from a superior income-generating opportunity that largely benefited the better-off to a less attractive option left for those who have no other choice. The nature of the work has also changed, from families working directly on their bamboo plots to an emphasis on hired labor, with prosperous bamboo owners devoting most of their time to more lucrative activities. A similar process can be observed in bamboo processing in counties where previous industrial structures hinged around raw material harvests, but which have now entered into other secondary and tertiary industry activities. At the same time, bamboo has attracted new opportunities as a source of cultural, aesthetic, and leisure-related activities, as well as some potentially important climatic, watershed, and biodiversity functions. We analyze the complementarity between goods and services provided by bamboo and discuss some research issues and future trends that may help in overcoming these conflicts.

  7. Pre-Service Teacher Opinions about Eco-Friendly Person Activity Package Developed to Raise Environmental Awareness

    Science.gov (United States)

    Candan, Sevcan; Erten, Sinan

    2015-01-01

    In this study, the effectiveness of Eco-Friendly Person Activity Package developed in order to raise environmental awareness in pre-service teachers and enable them to be an example of an eco-friendly teacher for their future students, and the responses about Eco-Friendly Person Activity Package were investigated. The study was conducted on 75…

  8. Urban environmental services and the state in East Africa; between neo-developmental and network governance approaches

    NARCIS (Netherlands)

    Oosterveer, P.J.M.

    2009-01-01

    Although governments are generally expected to provide environmental services such as sanitation and solid waste collection for their citizens, most (municipal) governments in Sub-Saharan Africa seem hardly able to take up this task. Without ignoring the lack of material resources resulting from

  9. Networked governance and the management of ecosystem services: The case of urban environmental stewardship in New York City

    Science.gov (United States)

    James J.T. Connolly; Erika S. Svendsen; Dana R. Fisher; Lindsay K. Campbell

    2014-01-01

    Urban environmental stewardship groups have become an essential component of the governance structure that regulates ecosystem services in cities. New York City is one example where these groups have grown rapidly in number, size, and visibility since the 1970s. In this article, we combine quantitative survey data with qualitative interview data to examine the...

  10. The U.S. Forest Service and its responsibilities under the national environmental policy act: a work design problem

    Science.gov (United States)

    Matthew Auer; Kenneth Richards; David N. Seesholtz; Burnell Fischer; Christian Freitag; Joshua. Grice

    2011-01-01

    The U.S. Forest Service’s responsibilities under the National Environmental Policy Act entail a wide range of activities including scoping, scientific analysis, social and economic analysis, managing public input and involvement, media relations, regulatory analysis, and litigation. These myriad duties raise several important organizational and management questions....

  11. Changes in knowledge and attitudes of hospital environmental services staff: The Researching Effective Approaches to Cleaning in Hospitals (REACH) study.

    Science.gov (United States)

    Mitchell, Brett G; White, Nicole; Farrington, Alison; Allen, Michelle; Page, Katie; Gardner, Anne; Halton, Kate; Riley, Thomas V; Gericke, Christian A; Paterson, David L; Graves, Nicholas; Hall, Lisa

    2018-03-14

    The Researching Effective Approaches to Cleaning in Hospitals (REACH) study tested a multimodal cleaning intervention in Australian hospitals. This article reports findings from a pre/post questionnaire, embedded into the REACH study, that was administered prior to the implementation of the intervention and at the conclusion of the study. A cross-sectional questionnaire, nested within a stepped-wedge trial, was administered. The REACH intervention was a cleaning bundle comprising 5 interdependent components. The questionnaire explored the knowledge, reported practice, attitudes, roles, and perceived organizational support of environmental services staff members in the hospitals participating in the REACH study. Environmental services staff members in 11 participating hospitals completed 616 pre- and 307 post-test questionnaires (n = 923). Increases in knowledge and practice were seen between the pre-and post-test questionnaires. Minimal changes were observed in attitudes regarding the role of cleaning and in perceived organizational support. To our knowledge, this is the first study to report changes in knowledge, attitudes, and perceived organizational support in environmental services staff members, in the context of a large multicenter clinical trial. In this underexplored group of hospital workers, findings suggest that environmental services staff members have a high level of knowledge related to cleaning practices and understand the importance of their role. Copyright © 2018 Association for Professionals in Infection Control and Epidemiology, Inc. Published by Elsevier Inc. All rights reserved.

  12. Achieving LEED credit for ergonomics: Laying the foundation.

    Science.gov (United States)

    Lynch, Mallory

    2014-01-01

    Despite guidance from the United States Green Building Council (USGBC) on the requirements for earning a Leadership in Energy and Environmental Design (LEED) ergonomics credit in the Innovation in Design and Innovation in Operations category, few projects have received the credit. The University of California, Berkeley ergonomics program, Ergonomics@Work, has aligned the ergonomics strategy to those of the USGBC and LEED to achieve the ergonomics credit in several new buildings. This article describes the steps needed to obtain the credit and highlights the opportunities it creates to partner with the project team to promote ergonomics. As a profession it is up to ergonomists to create the road map that incorporates ergonomics into the green building design.

  13. Fostering Pre-Service Teachers' Self-Determined Environmental Motivation through Green Chemistry Experiments

    Science.gov (United States)

    Karpudewan, Mageswary; Ismail, Zurida; Roth, Wolff-Michael

    2012-01-01

    The global environmental crisis intensifies particularly in developing nations. Environmental educators have begun to understand that changing the environmental impact requires not only changes in pro-environmental knowledge and attitudes but also in associated, self-determined motivation. This study was designed to test the hypothesis that a…

  14. An Anonymous Credit Card System

    Science.gov (United States)

    Androulaki, Elli; Bellovin, Steven

    Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.

  15. Analysis of Environmental Friendly Library Based on the Satisfaction and Service Quality: study at Library “X”

    Science.gov (United States)

    Herdiansyah, Herdis; Satriya Utama, Andre; Safruddin; Hidayat, Heri; Gema Zuliana Irawan, Angga; Immanuel Tjandra Muliawan, R.; Mutia Pratiwi, Diana

    2017-10-01

    One of the factor that influenced the development of science is the existence of the library, which in this case is the college libraries. Library, which is located in the college environment, aims to supply collections of literatures to support research activities as well as educational for students of the college. Conceptually, every library now starts to practice environmental principles. For example, “X” library as a central library claims to be an environmental friendly library for practicing environmental friendly management, but the X library has not inserted the satisfaction and service aspect to the users, including whether it is true that environmental friendly process is perceived by library users. Satisfaction can be seen from the comparison between expectations and reality of library users. This paper analyzes the level of library user satisfaction with library services in the campus area and the gap between expectations and reality felt by the library users. The result of the research shows that there is a disparity between the hope of library management, which is sustainable and environmentally friendly with the reality in the management of the library, so that it has not given satisfaction to the users yet. The gap value of satisfaction that has the biggest difference is in the library collection with the value of 1.57; while for the smallest gap value is in the same service to all students with a value of 0.67.

  16. Financing the American Consumer: A Business Report on Consumer Credit. Part I--Summary Report. Report of the Sub-Council on Credit and Related Terms of Sale of the National Business Council for Consumer Affairs.

    Science.gov (United States)

    National Business Council for Consumer Affairs, Washington, DC.

    Individuals and organizations administering consumer credit services are urged to adopt the following recommendations and the Code of Billing and Collection Practices (also included): (1) Credit grantors should support continuing educational programs at national and local levels on the nature of the consumer credit system. (2) Whenever possible,…

  17. Effects of changes in micro- and macro-environmental factors on the supply of hospitals services.

    Science.gov (United States)

    Kassaye, W W; Tseng, K C

    1990-01-01

    The failures, marketing difficulties and financial hardships hospitals have experienced raises a question as to whether they have been responsive to the changes in the micro and macro-environmental factors. To determine how responsive hospitals have been to these changes, we investigate the impact of a number of selected factors on the supply of hospital services during 1972 through 1978. The findings indicate that despite the fact that the economy went through recessionary periods, and the demographic distribution exhibited both a shift and a change in the aging and birth rates of the nation, the changes in hospitals' responsiveness have been less than satisfactory. It appears that hospitals readily respond to the changes in the micro-environment than to the changes in macro-environment. Their response to the changes in the macro-environment. Their response to the changes in the macro-environment may be characterized as an effort to create a higher level of production whose goal is to create a still higher level of needs and wants.

  18. Environmental perspective of Location Based Services and Light Goods Vehicles in urban areas

    Directory of Open Access Journals (Sweden)

    2010-12-01

    Full Text Available The article looks at the underexplored area of light goods vehicle (LGV operation. Specifically, it is investigated to what extent various location based services (LBS can be applied in the context of LGV operation in order to improve their environmental friendliness in urban areas. In doing so, LBS applied in real time navigation, dynamic fleet management, freight tracking and monitoring, hazardous materials transport, location-specific tolls and taxes and geo-eco-driving are described in relation to their usefulness in LGV operation as well as the potential in reducing LGV-originating pollution. Where available, real world examples of such applications are given. The discussion reveals particular significance in that context of real time navigation and dynamic fleet management, which are widely applicable solutions in LGVs operation. Freight monitoring and tracking, including hazardous materials transport, have been also found to be of an importance due, yet with a more limited applicability. As regards location-specific tolls and taxes, and geo-eco-driving, significant potential of these LBS has been identified, yet due to their very limited applicability in general, no robust conclusions could be drawn. Last but not least, a significant gap in the detailed knowledge regarding the area has been revealed and directions for further research have been suggested.

  19. Communal Participation in Payment for Environmental Services (PES): Unpacking the Collective Decision to Enroll

    Science.gov (United States)

    Murtinho, Felipe; Hayes, Tanya

    2017-06-01

    Payment for Environmental Service programs are increasingly applied in communal settings where resource users collectively join the program and agree to limit their shared use of a common-property resource. Who decides to join PES and the degree to which community members agree with the collective decision is critical for the success of said programs. Yet, we have limited understanding of the factors that influence communal participation and the collective decision process. This paper examines communal participation in a national payment for conservation program in Ecuador. We use quantitative and qualitative analysis to (i) identify the attributes of the communities that participate (or not), and factors that facilitate participation ( n = 67), and (ii) assess household preference and alignment with the collective decision to participate ( n = 212). Household participation preferences indicate varying degrees of consensus with the collective decision to participate, with those using the resource less likely to support participation. At the communal level, however, our results indicate that over time, those communities that depend more heavily on their resource systems may ultimately choose to participate. Our findings suggest that communal governance structures and outside organizations may be instrumental in gaining participation in resource-dependent communities and building consensus. Findings also point to the need for further research on communal decision-processes to ensure that the collective decision is based on an informed and democratic process.

  20. Patient and environmental service employee satisfaction of using germicidal bleach wipes for patient room cleaning.

    Science.gov (United States)

    Aronhalt, Kimberly C; McManus, James; Orenstein, Robert; Faller, Rebecca; Link, Mary

    2013-01-01

    More healthcare institutions are using bleach products which are sporicidal to reduce Clostridium difficile infection (CDI). There may be patient and employee concerns about the appearance of bleach residue left on surfaces, odors, and respiratory tract irritation. The intervention used bleach wipes for daily and terminal patient room cleaning to reduce transmission of CDI and was implemented on patient care units with a relatively high incidence of CDI. Both patients and Environmental Services (ES) staff were surveyed to assess their satisfaction of the bleach wipe product used during room cleaning. Patients (n = 94) (91%) continued to be very satisfied with how well their rooms were cleaned every day. Bleach wipes were well tolerated by patients (n = 44) (100%) surveyed on the medical units and less tolerated by patients (n = 50) (22%) on the hematology-oncology units. ES staff (6) reported less satisfaction and more respiratory irritation from using the bleach wipes; however, later their satisfaction improved. © 2012 National Association for Healthcare Quality.

  1. Research and service experience with environmentally assisted cracking of low-alloy steel

    Energy Technology Data Exchange (ETDEWEB)

    Hickling, J. [Electric Power Reasearch Inst., Palo Alto, CA (United States); Seifert, H.P.; Ritter, S. [Paul Scherrer Inst. (Switzerland)

    2005-01-01

    Environmentally assisted cracking (EAC) of carbon and low-alloy steels has been identified as a possible degradation mechanism for pressure vessels and piping in nuclear power plants. Selected aspects of research and service experience with cracking of these materials in high-temperature water are reviewed, with special emphasis on the primary pressure boundary in boiling water reactors. The main factors controlling EAC susceptibility under reactor conditions are discussed with regard to both crack initiation and crack growth. The adequacy and conservatism of the relevant engineering criteria for component design and disposition of detected or postulated flaws are evaluated in the context of recent research results, e.g., on the effects of so-called ''ripple loading'' or of water chemistry transients. Finally, the relevant operating experience over the last 30 years is briefly summarized and compared with the background knowledge which has been accumulated in more recent laboratory experiments. Some of the insights gained in this work may also be of value in improving understanding and prediction of the EAC behavior of carbon and low-alloy steels in certain fossil plant components, if appropriate allowances are made for differences in temperature and water chemistry. (orig.)

  2. Investigating smallholder farmers’ exclusion from credit markets in South Africa

    Directory of Open Access Journals (Sweden)

    Joseph Chisasa

    2015-09-01

    Full Text Available Access to credit by smallholder farmers in South Africa has been empirically observed to be characterised by a variety constraints. This paper examines the demographic, financial and economic characteristics of smallholder farmers in order to gain a better understanding of why smallholder farmers are excluded from formal credit markets. The paper uses survey data collected from 362 smallholder farmers randomly selected from Mpumalanga and North West Provinces of South Africa. Using descriptive analysis, the paper observes that smallholder farmers have low annual turnover, low demand for credit and often with a family culture not to borrow. The paper concludes that smallholder farmers in South Africa are still financially excluded, particularly from the formal banking systems. Results of this paper demonstrate a need for a review of financial policies in favour of increasing the supply of financial services, particularly credit to smallholder farmers if South Africa is to achieve its Millenium Development Goals of employment creation and poverty alleviation.

  3. A smart market for nutrient credit trading to incentivize wetland construction

    Science.gov (United States)

    Raffensperger, John F.; Prabodanie, R. A. Ranga; Kostel, Jill A.

    2017-03-01

    Nutrient trading and constructed wetlands are widely discussed solutions to reduce nutrient pollution. Nutrient markets usually include agricultural nonpoint sources and municipal and industrial point sources, but these markets rarely include investors who construct wetlands to sell nutrient reduction credits. We propose a new market design for trading nutrient credits, with both point source and non-point source traders, explicitly incorporating the option of landowners to build nutrient removal wetlands. The proposed trading program is designed as a smart market with centralized clearing, done with an optimization. The market design addresses the varying impacts of runoff over space and time, and the lumpiness of wetland investments. We simulated the market for the Big Bureau Creek watershed in north-central Illinois. We found that the proposed smart market would incentivize wetland construction by assuring reasonable payments for the ecosystem services provided. The proposed market mechanism selects wetland locations strategically taking into account both the cost and nutrient removal efficiencies. The centralized market produces locational prices that would incentivize farmers to reduce nutrients, which is voluntary. As we illustrate, wetland builders' participation in nutrient trading would enable the point sources and environmental organizations to buy low cost nutrient credits.

  4. Saving and credit cooperatives in Mexico

    Directory of Open Access Journals (Sweden)

    Martha E. Izquierdo Muciño

    2015-11-01

    Full Text Available The Saving service and Credit Popular (Cajas de Ahorro y Credito Popular first appeared in Mexico in 1951 at the initiative of the priest Pedro Velazquez, similar to the popular savings banks that existed in Canada, which had been founded by Alphonse Desjardins in the early XX century.These savings service (Cajas de Ahorro were developing successfully in almost all Mexican communities, most of them remained faithful to the principles and ordinances of the church that gave rise to them, without the government participate in this activity and without policies encouraging or regulatory actions. It was not until 1991 when the General Law of Organizations and Auxiliary Credit Activities (Ley General de Organizaciones y Actividades was enacted. However in 2000 they began to emerge problems arising from fraudulent activities by some people taking advantage of loopholes established irregular saving services. Consequently and in order to solve these problems was changing the law. The last of the fraud occurred with the popular financial called FICREA (2015, to which was amended regulatory law again and while thus sought to avoid another fraud, who really was affected is a large amount very poor indigenous and peasants.Received: 03.06.2015Accepted: 17.07.2015

  5. Impact of Economic Crisis on Credit Insurance Market in Romania

    Directory of Open Access Journals (Sweden)

    Florina VÎRLANUTA

    2012-11-01

    Full Text Available Bank Insurance phenomenon can not be attributed primarily or banks or insurance institutions. Near the two sectors was due to mutations occurring in supply and demand for financial services. Convergence bankers and insurers are determined by common platform for each country of local influence by supervisors and reforms at the central level. Credit insurance has emerged as a necessity stemming from the fact that most trade agreements concluded in circumstances in which payment is partially or completely after delivery of the goods or services covered by the agreement, so the payment delayed or selling on credit.

  6. War of the Credit Cards.

    Science.gov (United States)

    Nicklin, Julie L.

    1993-01-01

    Increasingly, colleges are offering affinity credit cards with attractive incentives as a marketing tool. Some in academe feel the trend may compromise educational objectives. Institutions may also face taxation on unrelated-business income generated through the cards. (MSE)

  7. Armenia - Water to Market Credit

    Data.gov (United States)

    Millennium Challenge Corporation — The analysis of WtM credit used baseline and final follow-up Farming Practices Survey (FPS) data to summarize beneficiary and loan characteristics, as well as to...

  8. 26 CFR 1.46-9 - Requirements for taxpayers electing an extra one-half percent additional investment credit.

    Science.gov (United States)

    2010-04-01

    ... percent additional investment credit for property described in section 46(a)(2)(D). Paragraph (c) of this...-half percent additional investment credit. 1.46-9 Section 1.46-9 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Rules for Computing Credit for Investment in...

  9. 20 CFR 404.1340 - Wage credits for World War II and post-World War II veterans.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Wage credits for World War II and post-World War II veterans. 404.1340 Section 404.1340 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL... Uniformed Services Amounts of Wage Credits and Limits on Their Use § 404.1340 Wage credits for World War II...

  10. 18 CFR 367.4111 - Account 411.1, Provision for deferred income taxes-Credit, operating income.

    Science.gov (United States)

    2010-04-01

    ..., Provision for deferred income taxes-Credit, operating income. 367.4111 Section 367.4111 Conservation of... Company Operating Income § 367.4111 Account 411.1, Provision for deferred income taxes—Credit, operating... taxes, credit, that relate to service company operating income. ...

  11. 26 CFR 1.904(i)-1 - Limitation on use of deconsolidation to avoid foreign tax credit limitations.

    Science.gov (United States)

    2010-04-01

    ... foreign tax credit limitations. 1.904(i)-1 Section 1.904(i)-1 Internal Revenue INTERNAL REVENUE SERVICE... United States § 1.904(i)-1 Limitation on use of deconsolidation to avoid foreign tax credit limitations... applying the foreign tax credit provisions of section 59(a), sections 901 through 908, and section 960, the...

  12. Trade Credit and Informational Asymmetry.

    OpenAIRE

    Smith, Janet Kiholm

    1987-01-01

    Commonly used trade credit terms implicitly define a high interest rate that operates as an efficient screening device where information about buyer default risk is asymmetrically held. By offering trade credit, a seller can identify prospective defaults more quickl y than if financial institutions were the sole providers of short-ter m financing. The information is valuable in cases where a seller has made nonsalvageable investments in buyers since it enables the seller to take actions to pr...

  13. Capital Requirements and Credit Rationing

    OpenAIRE

    Itai Agur

    2010-01-01

    This paper analyzes the trade-off between financial stability and credit rationing that arises when increasing capital requirements. It extends the Stiglitz-Weiss model of credit rationing to allow for bank default. Bank capital structure then matters for lending incentives. With default and rationing endogenous, optimal capital requirements can be analyzed. Introducing bank financiers, the paper also shows that uninsured funding raises the sensitivity of rationing to capital requirements. In...

  14. Credit Stagnation in Latin America

    OpenAIRE

    Adolfo Barajas; Roberto Steiner

    2002-01-01

    This study examines the recent marked slowdown in bank credit to the private sector in Latin America. Based on the study of eight countries (Argentina, Bolivia, Brazil, Chile, Colombia, Peru, Mexico, and Venezuela), the magnitude of the slowdown is documented, comparing it to historical behavior and to slowdown episodes in other regions of the world. Second, changes in bank balance sheets are examined to determine whether the credit slowdown is merely a reflection of a slowdown in bank deposi...

  15. Diagnosis of environmental marketing goods and services in the forestry sector Diagnóstico do marketing ambiental de bens e serviços do setor florestal

    OpenAIRE

    Erlon Barbosa Valdetaro; Mayra Luiza Marques da Silva Binoti; Daniel Brianezi; Laércio Antônio Gonçalves Jacovine

    2012-01-01

    It was collected and subsequent analysed advertisements and advertising campaigns for companies of forest products and services in nine magazines and 91websites of the forest sector, seeking for advertising and marketing actions that had some kind of environmental appeal as environmental terms, symbols with environmental appeal, certification seal and image with environmental appeal. The “environmental term” is present in 85,9% of 157 forest advertisements from different segments. Th...

  16. Environmental Management Accounting (EMA: Reflection of Environmental Factors in the Accounting Processes through the Identification of the Environmental Costs Attached to Products, Processes and Services

    Directory of Open Access Journals (Sweden)

    Cleopatra Sendroiu

    2006-10-01

    Full Text Available EMA can be defined as the identification, collection, estimation, analysis, internal reporting, and use of materials and energy flow information, environmental cost information, and other cost information for both conventional and environmental decision-making within an organization. Thus EMA incorporates and integrates two of the three building blocks of sustainable development – environment and economics – as they relate to an organization’s internal decision-making. EMA is a relatively new tool in environmental management. Decades ago environmental costs were very low, so it seemed wise to include them in the overhead account for simplicity and convenience. Recently there has been a steep rise in all environmental costs, including energy and water prices as well as liabilities.

  17. Environmental Management Accounting (EMA: Reflection of Environmental Factors in the Accounting Processes through the Identification of the Environmental Costs Attached to Products, Processes and Services

    Directory of Open Access Journals (Sweden)

    Costantin Roman

    2006-12-01

    Full Text Available EMA can be defined as the identification, collection, estimation, analysis, internal reporting, and use of materials and energy flow information, environmental cost information, and other cost information for both conventional and environmental decision-making within an organization. Thus EMA incorporates and integrates two of the three building blocks of sustainable development – environment and economics – as they relate to an organization’s internal decision-making. EMA is a relatively new tool in environmental management. Decades ago environmental costs were very low, so it seemed wise to include them in the overhead account for simplicity and convenience. Recently there has been a steep rise in all environmental costs, including energy and water prices as well as liabilities.

  18. Mapping socio-environmentally vulnerable populations access and exposure to ecosystem services at the U.S.-Mexico borderlands

    Science.gov (United States)

    Norman, Laura M.; Villarreal, Miguel L.; Lara-Valencia, Francisco; Yuan, Yongping; Nie, Wenming; Wilson, Sylvia; Amaya, Gladys; Sleeter, Rachel

    2012-01-01

    Socio-environmental vulnerable populations are often unrepresented in land-use planning yet have great potential for loss when exposed to changes in ecosystem services. Administrative boundaries, cultural differences, and language barriers increase the disassociation between land-use management and marginalized populations living in the U.S.–Mexico borderlands. This paper describes the development of a Modified Socio-Environmental Vulnerability Index (M-SEVI), using determinants from binational census and neighborhood data that describe levels of education, access to resources, migratory status, housing, and number of dependents, to provide a simplified snapshot of the region's populace that can be used in binational planning efforts. We apply this index at the SCW, located on the border between Arizona, USA and Sonora, Mexico. For comparison, the Soil and Water Assessment Tool is concurrently applied to assess the provision of erosion- and flood control services over a 9-year period. We describe how this coupling of data can form the base for an ecosystem services assessment across political boundaries that can be used by land-use planners. Results reveal potential disparities in environmental risks and burdens throughout the binational watershed in residential districts surrounding and between urban centers. The M-SEVI can be used as an important first step in addressing environmental justice for binational decision-making.

  19. Global and Mexican analytical review of the state of the art on Ecosystem and Environmental services: A geographical approach

    Directory of Open Access Journals (Sweden)

    Maria Perevochtchikova

    2013-12-01

    Full Text Available The term Ecosystem Services (ES was introduced in the Rio Declaration in 1992, within a strong international movement for sustainable natural resource management. Back then, the innovative principle concerned the environmental functions that maintain life support systems. To illustrate this further, pollination, oxygen production, temperature regulation, water storage, filtering and distribution, among others, were listed and previously taken for granted until human action contested them. The first compensation schemes for Environmental Services were proposed in 1997 as one of the tools of the new environmental policy directed towards the principles of sustainable development. Since then, the topic of ES has received remarkable global response, which is reflected by the implementation of payment programs and by the development of research in many countries worldwide. This paper analyses the state of the art of the research carried out so far on ES and Environmental Services from the global and the Mexican perspectives. It is based upon the review of 1,781 scientific papers published in international peer reviewed journals between 1992 and 2012. Furthermore, the present study provides a sound geographical overview of the main ES topics studied and of the relative emission of papers per region, country or state. Results are finally presented and discussed in the light of their deficits and of the challenges ahead.

  20. CORPORATE SOCIAL AND ENVIRONMENTAL RESPONSIBILITY IN THE SERVICE SECTOR: A CASE STUDY FROM TURKEY

    OpenAIRE

    Akdemir Omur, Gokce; Ozbebek Tunc, Aysegul; Nemli Caliskan, Esra

    2012-01-01

    As the world is rapidly approaching its limits in terms of both environmental and social problems, businesses are increasingly expected to attend to issues of socially and environmentally responsible performance. In addition that demands for heightened levels of corporate social and environmental responsibility are being pressed through regulatory initiatives in many countries, corporations at the same time are realizing that being environmentally and socially responsible makes good business ...

  1. Knowledge-based renewable energy and environmental technology and services.; En kunnskapsbasert fornybar energi- og miljoenaering

    Energy Technology Data Exchange (ETDEWEB)

    Gruenfeld, Leo A.; Espelien, Anne

    2011-07-01

    This report presents a study of the Norwegian industry for renewable energy and environmental technology and services (abbreviated to the REETS-industry). The study is a part of the large research program 'A Knowledge based Norway' organized by the Norwegian School of Management. It is one of 14 industry studies that investigates how knowledge investments and knowledge management contributes to strengthen clusters of industrial activity in Norway. A primary research question in this report concerns whether the Norwegian REETS-industry has sufficient resources and cluster strengths to succeed in international markets and stay competitive over time. For the first time, we present statistics covering all firms in the REETS-industry in Norway. The report contains a thorough mapping of industry activities, in terms of turnover, value added, growth, access to financial capital and human capital, internationalization and last but not least cluster properties in the industry as well as its links to other industries in Norway and abroad. The industry consists of approximately 2200 companies with a total turnover of Nok 151 bn in 2009. Industry value added has grown by 15 percent per year over the last decade and reached Nok 60 bn in 2009. The REETS-industry is now the eighth largest industry in Norway.The REETS-industry contains a large variety of activities and technologies. Consequently, we have divided the industry into four main groups and 11 sub-segments. The main groups are: renewable energy production, environmental technology and services, waste and recycling and finally energy distribution and sales. Since activities are highly heterogeneous, knowledge activities and cluster configurations must be studied at a more detailed level. Norway is a European giant in terms of hydro power production, producing close to 20 percent of such energy in Europe. In Norway, this part of the industry provides 35 percent of the revenues. Consequently, we devote

  2. A Cloud-Computing Service for Environmental Geophysics and Seismic Data Processing

    Science.gov (United States)

    Heilmann, B. Z.; Maggi, P.; Piras, A.; Satta, G.; Deidda, G. P.; Bonomi, E.

    2012-04-01

    Cloud computing is establishing worldwide as a new high performance computing paradigm that offers formidable possibilities to industry and science. The presented cloud-computing portal, part of the Grida3 project, provides an innovative approach to seismic data processing by combining open-source state-of-the-art processing software and cloud-computing technology, making possible the effective use of distributed computation and data management with administratively distant resources. We substituted the user-side demanding hardware and software requirements by remote access to high-performance grid-computing facilities. As a result, data processing can be done quasi in real-time being ubiquitously controlled via Internet by a user-friendly web-browser interface. Besides the obvious advantages over locally installed seismic-processing packages, the presented cloud-computing solution creates completely new possibilities for scientific education, collaboration, and presentation of reproducible results. The web-browser interface of our portal is based on the commercially supported grid portal EnginFrame, an open framework based on Java, XML, and Web Services. We selected the hosted applications with the objective to allow the construction of typical 2D time-domain seismic-imaging workflows as used for environmental studies and, originally, for hydrocarbon exploration. For data visualization and pre-processing, we chose the free software package Seismic Un*x. We ported tools for trace balancing, amplitude gaining, muting, frequency filtering, dip filtering, deconvolution and rendering, with a customized choice of options as services onto the cloud-computing portal. For structural imaging and velocity-model building, we developed a grid version of the Common-Reflection-Surface stack, a data-driven imaging method that requires no user interaction at run time such as manual picking in prestack volumes or velocity spectra. Due to its high level of automation, CRS stacking

  3. 75 FR 2480 - Wildlife Services; Availability of an Environmental Assessment and Finding of No Significant Impact

    Science.gov (United States)

    2010-01-15

    .... Kevin Shea Acting Administrator, Animal and Plant Health Inspection Service. [FR Doc. 2010-806 Filed 1... DEPARTMENT OF AGRICULTURE Animal and Plant Health Inspection Service [Docket No. APHIS-2009-0087...: Animal and Plant Health Inspection Service, USDA. ACTION: Notice. SUMMARY: We are advising the public...

  4. THE CREDIT AND CREDIT RISK MANAGEMENT DURING THE CRISIS

    Directory of Open Access Journals (Sweden)

    Chitan Gheorghe

    2012-03-01

    Full Text Available Considering the importance of credit risk management to ensure the financial system stability,the paper presents financial and real sector interaction highlighting that credit growth based on increase of creditdemand, of income, of assets prices, of currency availability, the interest rate differential between countries andrelaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity andasset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving creditrisk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatoryrequirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to leadto a more resilient financial system.

  5. 49 CFR 260.13 - Credit reform.

    Science.gov (United States)

    2010-10-01

    ... appropriations, direct payment of a Credit Risk Premium by the Applicant or a non-Federal infrastructure partner... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act...

  6. 76 FR 79531 - Corporate Credit Unions

    Science.gov (United States)

    2011-12-22

    ... exclude CLF stock subscriptions, based on the asset's negligible credit risk and to facilitate corporate... removing paragraphs (c)(3) and (f)(4) and adding paragraph (h) to read as follows: Sec. 704.6 Credit risk... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY...

  7. 49 CFR 536.4 - Credits.

    Science.gov (United States)

    2010-10-01

    ... OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.4 Credits. (a) Type and vintage... category, and model year of origin (vintage). (b) Application of credits. All credits earned and applied are calculated, per 49 U.S.C. 32903(c), in tenths of a mile per gallon by which the average fuel...

  8. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

    Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit

  9. CONTRACTUAL FREEDOM AND FORMALISM IN THE CREDIT AGREEMENT

    Directory of Open Access Journals (Sweden)

    ANCA NICOLETA GHEORGHE

    2011-04-01

    Full Text Available The credit agreement meaning is trust. It involves a psychological relationship between two or more persons, characterized by predictability the third one involving present or future action on the status of a particular person.This relationship is psychological, in a certain context, social relationship and may take legal meanings. If at the beginning, people borrowed food and tools, later borrowed money to buy everything you wanted. Financial lending institution has become very popular, creating a group of people who have dealt with this service. Over time, this community has turned into banks. Being originally a loan of money covered by the Civil Code, the credit is used daily by both individuals and by professionals, becoming an engine of capitalist society. Unprecedented expansion of this contract led to a strict control of public authorities and subsequent legislative interventions, the articles of the Civil Code is supplemented by regulations governing the progressive banking, legal interest, namely consumer credit. Under the credit agreement, the economic situation of the parties is not equal, one party is disadvantaged in comparison to the other, protecting the disadvantaged part of the legislature making it a target in credit operations. In French doctrine, consumer credit has been praised as “a contract of all pleasures”; but at the same time “an agreement of all risks”.

  10. Army Air Force Exchange Service Service (AAFES) Station Tyndall Air Force Base, Florida Final Tiered Environmental Assessment

    Science.gov (United States)

    2010-04-20

    Unts orl!i_gh t operations : t ~cr£_fore._l]~_i mpact~ to airspau: usc and management. Noise Increased noi se from construct ion and de mol it ion...DEP Northwest District Branch Office in Panama City confirms that a storm water managemen t system and storm water environmental resource permit...il ities and to construc t one bu ildi ng (7,320 square feet) to replace these old and inadequate fac iliti es. The new fac ili ty would include a

  11. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

    Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.

  12. Who controls the logistics emissions? Challenges in making fragmented supply chains environmentally sustainable from logistics service providers’ perspective

    DEFF Research Database (Denmark)

    Abbasi, Maisam; Sternberg, Henrik; Nilsson, Fredrik

    2014-01-01

    that impact the cost and time requirements from customers of logistics services are not yet a reality. Research limitations/implications (if applicable) This paper implies that LSP sustainability cannot be investigated in isolation if a company does not manage proprietary resources. Practical implications (if......Purpose The purpose of this article is to explore the environmental impact of Logistics Service Provider (LSP) activities in the light of increased customer attention and fragmentation of the industry. It also explores to what extent the LSPs can actually monitor the environmental impact...... of logistics activities in the supply chain? Design/methodology/approach The methodology of this paper is a literature review, a qualitative interview survey, and three case studies. A framework on sustainability challenges in supply chains derived from the literature is used to structure and analyze...

  13. Environmental services in Zavidovici (Bosnia Herzegovina): current situation and proposals for intervention-Part 1.: Drinking water treatment and distribution

    International Nuclear Information System (INIS)

    Vaccari, M.; Collivignarelli, C.; Vitali, F.

    2009-01-01

    The state of the environment in Bosnia Herzegovina, already compromised before the war by the development of heavy industry, worsened after the conflict. The country is facing difficult issues in the supply of environmental services, which have recently been overlooked with regard to full coverage of the territory with adequate infrastructures and appropriate management of the existing ones. Several years ago CeTAmb started collaborating with the Local Democracy Agency in Zavidovici and local institutions: within that cooperation a survey of environmental services (water supply, wastewater collection and treatment, solid waste management) supplied to the municipal territory was implemented. The first part of the paper presents the different issues, and relative improvement solutions proposed, resulting from an analysis of the water supply infrastructures, with regard to both quantity and quality. [it

  14. Environmental zoning for service life prediction of building components in Malaysia

    International Nuclear Information System (INIS)

    Fathoni U; Rohayu C O; Zakaria C M

    2013-01-01

    Interactions between building materials and environment are very complex. More often than not, deterioration of building component is due to environmental loads with the result of reducing its durability. The environmental loads are less overlooked or underestimated in early design phase. Objective of this study is to distinguish the difference of environmental load for different area in Malaysia. The environmental data consist of climate and pollution data which extracted from the Malaysia Meteorology Department's data bank. From this study, six different environmental zones in Malaysia are distinguished. There are different characteristic of environmental parameters found where some of them dominant to others. This information can assist the engineer to justify the use of different technology, material or construction method in construction industry.

  15. Global and Mexican analytical review of the state of the art on ecosystem and environmental services: A geographical approach

    OpenAIRE

    Perevochtchikova, Maria; Oggioni, Julia

    2014-01-01

    Within a strong international movement for conservation of natural resources, the term of Ecosystem Services (ES) which refers to all benefits that nature offers to society, was introduced at Rio Conference, 1992. After this, the first compensation scheme for ES, as one of the tools of the new environmental policy directed towards the principles of sustainable development, was proposed in Kyoto Protocol, 1997. Its objective is to prevent the reduction of natural resources' availability, and t...

  16. 26 CFR 20.2014-5 - Proof of credit.

    Science.gov (United States)

    2010-04-01

    ... each inheritance or succession tax. (c) In addition to the information required under paragraphs (a... Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Credits Against Tax § 20.2014-5 Proof of...

  17. Academic Credit at Marymount Manhattan College for Student Volunteers.

    Science.gov (United States)

    Storey, Eileen

    The report describes a 2-year project at Marymount Manhattan College (New York) to develop and implement a community service program which provides student participants with tuition credits. Students served in either a shelter for homeless women or with a tutorial program for adults preparing for the high-school equivalency examination. The report…

  18. 76 FR 68841 - New Markets Tax Credit Program

    Science.gov (United States)

    2011-11-07

    ... DEPARTMENT OF THE TREASURY Community Development Financial Institutions Fund New Markets Tax Credit Program AGENCY: Community Development Financial Institutions Fund, U.S. Department of the Treasury... Financial Institutions Fund (CDFI Fund) and the Internal Revenue Service (IRS). All materials submitted will...

  19. 77 FR 41270 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2012-07-13

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 1 and 602 [TD 9590] RIN 1545-BJ82 Health Insurance Premium Tax Credit Correction In rule document 2012-12421 appearing on pages 30377-30400 in the issue of Wednesday, May 23, 2012, make the following corrections: 0 1. On page 30385, in the...

  20. Revealing Components of the Economic Value for Environmental Goods and Services from Forest

    DEFF Research Database (Denmark)

    Bakhtiari, Fatemeh

    The overall purpose and contribution of this thesis is increasing the understanding of components of the value of environmental goods. It investigates how the public perceive environmental goods (lay people’s perception) and the elements of it that they value. Providing such knowledge contributes...... to improving valuation methods, e.g. the use of the Choice Experiment (CE) for valuing forest biodiversity conservation. Increasing knowledge of lay people’s perception and mental constructs of environmental goods can help researchers to know how they can present environmental goods in CEs which align...... with respondents’ perceptions and to further understand the appropriate way of measuring these values....

  1. Stream water quality in the context of payments for environmental services in Southeastern Brazil

    Science.gov (United States)

    Piccolo, M. C.; Reis, L. D. C.; Figueiredo, R. D. O.; Camargo, P. B. D.; Costa, C. F. G. D.; Zuccari, M. L.; Green, T. R.

    2015-12-01

    Public policy of payment for environmental services (PES) was established in 2007 to face the challenge of recuperatingwater resources at one of the headwater areas of the Jaguari River Basin, which supplies an important reservoir for the metropolitan region of São Paulo, Brazil. Such effort consists of reforestation of riparian zones and spring lands at the hills of selected catchments, including the Ribeirão das Posses (RP) catchment. Since 2012 the University of São Paulo has developed research at RP to monitor the benefits of these practices on stream water quality, and identified a few parameters as good indicators to follow up the results of this PES program. The present study has the objective to show results of the monthly monitoring in2015,including 13 sampling stations at RP catchment distributed as follows: one in a spring forested area, three in spring areas of different ages of reforestation (3, 5 and 8 years), and nine at reaches of RP streamlocated in a way to contemplate the effects of the first order streams that comes from the studied spring areas entering RP. We established two additional stations at the Jaguari River, upstream and downstream of RP outlet. In situ measurements include temperature, pH, electric conductivity (EC) and dissolved oxygen (DO), and collect water samples to bring to the laboratory for analyses of dissolved organic and inorganic carbon (DOC and DIC), total nitrogen (TN) and alkalinity. Also, sediments (fine fraction: >0.45 μm; and coarse fraction: >63 μm) are collected for isotopic carbon analyses. Preliminary results show pH values ranging from 5.5 to 7.8, while DO ranges from 5.8 to 8.9 mg L-1. As for EC, the mean at the spring forested station was 34.6 μS cm-1, while at spring areas of 3, 6 and 8 years of reforestation they were 53.3, 73.8 and 34.8 μS cm-1, respectively. We expected that by the end of this annual monitoring the benefits of reforestation will be affirmed.

  2. Different fuelling technologies for urban transport bus service in an Italian big town: economic, environmental and social considerations

    International Nuclear Information System (INIS)

    Santarelli, M.G.L.; Cali, M.; Bertonasco, A.

    2003-01-01

    In the energy field, an important cause of pollutant emissions is linked to ground transportation. The increase of the ratio between energy consumption due to transport and the gross internal product has been 1.12% per year from 1970. All these energy consumption increases have been made while using fossil fuel with serious environmental consequences on the local and global scale and reduction of fuel availability. Environmental policy points towards improvement by cleaner fuels utilisation and increase of engine efficiencies. In this paper, a specific application will be discussed concerning the public transport service in an Italian urban area: a bus fleet motorised with fuel cell systems will be compared with traditional buses using fossil fuels. The comparison will be done in energy, economic, environmental and social terms

  3. Credit Rationing Effects of Credit Value-at-Risk

    NARCIS (Netherlands)

    J.F. Slijkerman; D.J.C. Smant (David); C.G. de Vries (Casper)

    2004-01-01

    textabstractBanks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and

  4. Who needs credit and who gets credit in Eastern Europe

    NARCIS (Netherlands)

    Brown, M.; Ongena, S.; Popov, A.; Yesin, P.

    2011-01-01

    Based on survey data covering 8,387 firms in 20 countries we compare the access to bank credit for firms in Eastern Europe to that in selected Western European countries. Our analysis reveals five main results. First, the firm-level determinants of the propensity to apply are similar in Eastern and

  5. Service oriented product innovation for improved environmental performance. An an exploratory case study of the air conditioning and cooling sector

    Energy Technology Data Exchange (ETDEWEB)

    Cook, M.; Maggs, H.; Neame, C.; Lemon, M. [The School of Applied Sciences, Cranfield University, Cranfield, Bedfordshire (United Kingdom)

    2006-09-15

    The need to improve the environmental performance of production and consumption practices within advanced industrialised nations is widely accepted. Finding ways to satisfy demand using far fewer resources is central to research in this field. For many, the trajectories of service orientated products are thought to provide an opportunity to address this need and anticipate futures in which economic growth is de-coupled from resource use. This paper presents the findings of exploratory research in the air-conditioning and cooling sector, which sought to understand how these benefits might be realised. It suggests that these benefits will not arise as a result of economic restructuring but rather that a deeper understanding of the process of service innovation, which underpins trajectories of service orientated products, is required to develop effective policy.

  6. Synthesis for the Interdisciplinary Environmental Sciences: Integrating Systems Approaches and Service Learning

    Science.gov (United States)

    Simon, Gregory L.; Wee, Bryan Shao-Chang; Chin, Anne; Tindle, Amy Depierre; Guth, Dan; Mason, Hillary

    2013-01-01

    As our understanding of complex environmental issues increases, institutions of higher education are evolving to develop new learning models that emphasize synthesis across disciplines, concepts, data, and methodologies. To this end, we argue for the implementation of environmental science education at the intersection of systems theory and…

  7. Sustainable Architecture that Teaches: Promoting Environmental Education through Service-Learning

    Science.gov (United States)

    Eason, Grace; Berger, Rebecca; Green, Pamela Davis

    2010-01-01

    The University of Maine at Farmington (UMF) has undertaken a commitment to establish a culture of environmental sustainability. With two new Leadership in Energy and Environmental Design (LEED) certified buildings on site, a green building curriculum has been developed. This multidimensional curriculum involves university faculty, students, K-12…

  8. 26 CFR 1.860-4 - Claim for credit or refund.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 9 2010-04-01 2010-04-01 false Claim for credit or refund. 1.860-4 Section 1.860-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Real Estate Investment Trusts § 1.860-4 Claim for credit or refund. If the allowance...

  9. 26 CFR 1.46-2 - Carryback and carryover of unused credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Carryback and carryover of unused credit. 1.46-2 Section 1.46-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Rules for Computing Credit for Investment in Certain Depreciable Property § 1.46-2 Carryback and...

  10. 26 CFR 20.2014-4 - Application of credit in cases involving a death tax convention.

    Science.gov (United States)

    2010-04-01

    ..., indebtedness, etc., amounted to $50,000. Decedent left his entire estate to his son. There is in effect a death... death tax convention. 20.2014-4 Section 20.2014-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT... 16, 1954 Credits Against Tax § 20.2014-4 Application of credit in cases involving a death tax...

  11. 26 CFR 1.381(c)(26)-1 - Credit for employment of certain new employees.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 4 2010-04-01 2010-04-01 false Credit for employment of certain new employees. 1.381(c)(26)-1 Section 1.381(c)(26)-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Insolvency Reorganizations § 1.381(c)(26)-1 Credit...

  12. 78 FR 52719 - Tax Credit for Employee Health Insurance Expenses of Small Employers

    Science.gov (United States)

    2013-08-26

    ... Tax Credit for Employee Health Insurance Expenses of Small Employers AGENCY: Internal Revenue Service... Section 45R(a) provides for a health insurance tax credit in the case of an eligible small employer for... employee enrolled in health insurance coverage offered by the employer in an amount equal to a uniform...

  13. IMPROVEMENT OF INTERACTION BETWEEN CREDIT INSTITUTIONS AND ENTREPRENEURSHIP ORGANIZATIONS AT REGIONAL LEVEL

    Directory of Open Access Journals (Sweden)

    A. V. Russavskaya

    2011-01-01

    Full Text Available Interaction between credit and entrepreneurship organizations aimed at implementation of regional development programs should be improved according to the following main directions: better accessibility to financial resources; broader spectrum of consultancy, particularly business planning related services rendered to the business; more active cooperation with venture funds. Current regional crediting mechanisms are described for Kaluga Region as example.

  14. 31 CFR 29.312 - All requirements for credit must be satisfied by June 30, 1997.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false All requirements for credit must be satisfied by June 30, 1997. 29.312 Section 29.312 Money and Finance: Treasury Office of the Secretary of the... General Principles for Determining Service Credit to Calculate Federal Benefit Payments § 29.312 All...

  15. Greek Pre-Service Teachers' Knowledge, Attitudes, and Environmental Behavior toward Marine Pollution

    Science.gov (United States)

    Boubonari, Theodora; Markos, Angelos; Kevrekidis, Theodoros

    2013-01-01

    A structured questionnaire was administered to assess Greek pre-service primary teachers' knowledge, attitudes, and self-reported behavior toward marine pollution issues. Exploratory factor analysis revealed several factors, all demonstrating adequate internal consistency, and showed that pre-service teachers demonstrated a moderate level of…

  16. The contribution of social and environmental factors to race differences in dental services use.

    Science.gov (United States)

    Eisen, Colby H; Bowie, Janice V; Gaskin, Darrell J; LaVeist, Thomas A; Thorpe, Roland J

    2015-06-01

    Dental services use is a public health issue that varies by race. African Americans are less likely than whites to make use of these services. While several explanations exist, little is known about the role of segregation in understanding this race difference. Most research does not account for the confounding of race, socioeconomic status, and segregation. Using cross-sectional data from the Exploring Health Disparities in Integrated Communities Study, we examined the relationship between race and dental services use. Our primary outcome of interest was dental services use within 2 years. Our main independent variable was self-identified race. Of the 1408 study participants, 59.3% were African American. More African Americans used dental services within 2 years than whites. After adjusting for age, gender, marital status, income, education, insurance, self-rated health, and number of comorbidities, African Americans had greater odds of having used services (odds ratio = 1.48, 95% confidence interval 1.16, 1.89) within 2 years. Within this low-income racially integrated sample, African Americans participated in dental services more than whites. Place of living is an important factor to consider when seeking to understand race differences in dental service use.

  17. 77 FR 5012 - Environmental Protection Agency, Department of Health and Human Services and Department of...

    Science.gov (United States)

    2012-02-01

    ..., Department of Health and Human Services and Department of Agriculture; Memorandum of Understanding Regarding... Memorandum of Understanding (MOU). The MOU will support and encourage cooperation and communication between... Department of Human Services (HHS) and the U.S. Department of Agriculture (USDA). HHS's Centers for Disease...

  18. Secondary School Students' Environmental Concerns and Attitudes toward Forest Ecosystem Services: Implications for Biodiversity Education

    Science.gov (United States)

    Torkar, Gregor

    2016-01-01

    Alarming declines in biodiversity have encouraged scientists to begin promoting the idea of the services ecosystems offer to humans in order to gain support for conservation. The concept of ecosystem services is designed to communicate societal dependence on various natural ecosystems. Schools play an important role in educating students to be…

  19. 75 FR 17763 - National Park Service Benefits-Sharing Final Environmental Impact Statement Record of Decision

    Science.gov (United States)

    2010-04-07

    ... management in connection with the allocation of benefits from valuable discoveries, inventions, and other... share the benefits with the National Park Service. Another alternative prohibits scientific research... Service and researchers who study material associated with a Scientific Research and Collecting Permit to...

  20. The Impact of National Macro-Environmental Variables on Tourism Services Consumption in Romania

    Directory of Open Access Journals (Sweden)

    Untaru E.

    2009-12-01

    Full Text Available The studies of consumers’ demand represent the main objective of market research, the importance of these studies being emphasized in all marketing literature. In order to better understand the complex mechanisms of changing the needs for goods or services into demand, the marketing theory includes studying the consumer behaviour as regards tourism goods and services.

  1. Environmental Compliance Audit Handbook (ECAH): U.S. Fish and Wildlife Service (FWS) (Revision)

    Science.gov (United States)

    1999-09-01

    Hotline 202-639-2222 Offers assistance in hazardous materials incidents involving railroads and is often contacted through CHEMTREC. Cancer ...Information Service Hotline 800-422-6237 Provides information on cancer risk and referrals to proper sources for local support services. Center for...ethythexyl) phthalate, Dinoseb, Diquat, 2-6 Drinking Water Endrin, Endothall, Glyphosate , Hexachlorobenzene, Hexachlorocyclopentadiene, Oxamyl (Vydate

  2. IRS, FERC let more wells receive Sec. 29 credits

    International Nuclear Information System (INIS)

    Lewis, F.W.; Grapentine, T.

    1993-01-01

    Two new ways exist for producers in the U.S. to qualify additional production for federal Sec. 29 nonconventional fuel tax credits. Until now the Federal Energy Regulatory Commission and Internal Revenue Service deadlines had limited eligible production to wells spud or recompleted and filings made under the Natural Gas Policy Act on or before Dec. 31, 1992. Large numbers of producers in many states filed timely NGPA applications seeking federal and state regulatory approval, and currently most producers believe the deadline to apply for Sec. 29 tax credits to have passed. The paper describes several filing exceptions and recommends producer response to the new rules

  3. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Zaldokas, Alminas

    We present evidence that banking development plays a key role in technological progress. We focus on firms’ innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities across U.S. st...... by a greater ability of deregulated banks to geographically diversify credit risk....

  4. Methodology of Credit Analysis Development

    Directory of Open Access Journals (Sweden)

    Slađana Neogradi

    2017-12-01

    Full Text Available The subject of research presented in this paper refers to the definition of methodology for the development of credit analysis in companies and its application in lending operations in the Republic of Serbia. With the developing credit market, there is a growing need for a well-developed risk and loss prevention system. In the introduction the process of bank analysis of the loan applicant is presented in order to minimize and manage the credit risk. By examining the subject matter, the process of processing the credit application is described, the procedure of analyzing the financial statements in order to get an insight into the borrower's creditworthiness. In the second part of the paper, the theoretical and methodological framework is presented applied in the concrete company. In the third part, models are presented which banks should use to protect against exposure to risks, i.e. their goal is to reduce losses on loan operations in our country, as well as to adjust to market conditions in an optimal way.

  5. Credit rating dynamics and competition

    DEFF Research Database (Denmark)

    Hirth, Stefan

    2014-01-01

    I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics...

  6. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

    This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan

  7. Brownfields New Markets Tax Credits

    Science.gov (United States)

    This Brownfi elds Solutions factsheet is intended for brownfields stakeholders interested in how the U.S. Department of the Treasury’s New Markets Tax Credit (NMTC) Program can be used as a financing mechanism in brownfields cleanup and redevelopment.

  8. Principles for Fairness and Efficiency in Enhancing Environmental Services in Asia: Payments, Compensation, or Co-Investment?

    Directory of Open Access Journals (Sweden)

    Meine van Noordwijk

    2010-12-01

    Full Text Available The term payments for environmental services (PES has rapidly gained popularity, with its focus on market-based mechanisms for enhancing environmental services (ES. Current use of the term, however, covers a broad spectrum of interactions between ES suppliers and beneficiaries. A broader class of mechanisms pursues ES enhancement through compensation or rewards. Such mechanisms can be analyzed on the basis of how they meet four conditions: realistic, conditional, voluntary, and pro-poor. Based on our action research in Asia in the Rewarding Upland Poor for Environmental Services (RUPES program since 2002, we examine three paradigms: commoditized ES (CES, compensation for opportunities skipped (COS, and co-investment in (environmental stewardship (CIS. Among the RUPES action research sites, there are several examples of CIS with a focus on assets (natural + human + social capital that can be expected to provide future flows of ES. CES, equivalent to a strict definition of PES, may represent an abstraction rather than a current reality. COS is a challenge when the legality of opportunities to reduce ES is contested. The primary difference between CES, COS, and CIS is the way in which conditionality is achieved, with additional variation in the scale (individual, household, or community at which the voluntary principle takes shape. CIS approaches have the greatest opportunity to be pro-poor, as both CES and COS presuppose property rights that the rural poor often do not have. CIS requires and reinforces trust building after initial conflicts over the consequences of resource use on ES have been clarified and a realistic joint appraisal is obtained. CIS will often be part of a multiscale approach to the regeneration and survival of natural capital, alongside respect and appreciation for the guardians and stewards of landscapes.

  9. Green marketing - How to put an environmental spin on your energy product, service, program or project

    International Nuclear Information System (INIS)

    Flynn, J.

    1992-01-01

    This paper examines how some smart marketers have quickly picked up on the new consumer interest in protecting the environment, turned it into increased sales and profits and at the same time effectively increased energy conservation. They asked their product developers to improve the environmental benefits of their existing products and to design some new ones. Then they asked their advertising writers to put an environmental spin on their product advertising. Next they made frequent visits to the bank with the increased sales revenues from an expanding market share and at the same time are doing something worthwhile in energy and environmental conservation

  10. Social constructions of environmental services in a rapidly densifying peri-urban area under dual governance in Durban, South Africa

    Directory of Open Access Journals (Sweden)

    Catherine Sutherland

    2016-12-01

    Full Text Available Background: Biodiversity plays a critical role in improving the quality of life and resilience of poor urban communities in Durban. Objectives: However, the rapid densification that is taking place in the ‘rural periphery’ of the city is impacting significantly on the integrity of ecosystems, which provide valuable ecosystem services. It is also changing the relations between people and the environment. Mzinyathi and eSkebheni, in the north-west of Durban, are peri-urban areas located on Ingonyama Trust land and hence they are governed by both the traditional authority and the eThekwini Municipality. The settlement pattern is changing rapidly here as middle and upper income residents move into the area, changing the way of life from being rural and ‘traditional’ to urban and ‘modern’. Method: This paper focused on the nexus of rapid urban growth, dual governance systems, biodiversity loss and cultural change in these two areas. It adopted a qualitative methodology and social constructivist approach. Data on the value of environmental services in the area was collected through interviewing the traditional authority, provincial and municipal planners and environmentalists, and household members. Results: The paper revealed that environmental services are constructed in multiple ways within a particular socio-historical and political context, that they have value to peri-urban communities, and that their function and use is changing as a result of the ‘modernisation’ of the area. The impact of the dual governance system and traditional land allocation process on environmental services is significant. This has implications for long term sustainability, for the quality of life of peri-urban residents and for planning and urban governance.

  11. Cogema and the environment. Environmental policy. The Cogema group in the environment service

    International Nuclear Information System (INIS)

    1997-01-01

    This document presents the organization of the environmental policy at Cogema facilities. The first part presents the environmental policy of the group: integration of environment management at all levels, reduction of effluents and control of their environmental impact, integrating environment protection at the design stage of facilities, quality and improvement policy, expenses devoted to environment protection (investments, R and D, funds), public information. The second part concerns the transfer of Cogema's know-how in environmental engineering towards other industrial sectors: radioactivity measurements, mine and quarry sites rehabilitation, industrial wastes and effluents processing, decontamination and rehabilitation of ancient polluted industrial sites, foreign activities (rehabilitation of US-DOE military sites, aid to Eastern countries. (J.S.)

  12. Environmental risk assessment for plant pests: a procedure to evaluate their impacts on ecosystem services

    DEFF Research Database (Denmark)

    Gilioli, G.; Schrader, G.; Baker, R.H.A.

    2014-01-01

    and temporal resolution is then used to explore how an IAS, as an exogenous driving force, may trigger modifications in the target environment. The method presented here provides a standardized approach to generate comparable and reproducible results for environmental risk assessment as a component of Pest...... Risk Analysis. The method enables the assessment of overall environmental risk which integrates the impacts on different components of the environment and their probabilities of occurrence. The application of the proposed scheme is illustrated by evaluating the environmental impacts of the invasive......The current methods to assess the environmental impacts of plant pests differ in their approaches and there is a lack of the standardized procedures necessary to provide accurate and consistent results, demonstrating the complexity of developing a commonly accepted scheme for this purpose...

  13. Global trade in environmental goods and services Performance and Challenges of Mexican Industry

    Directory of Open Access Journals (Sweden)

    René Lara

    2017-11-01

    Full Text Available This article studies the environmental industries of Mexico and the United States Within the framework of the North American Free Trade NAFTA, where Mexican industry lags behind lack of funds due to recurring economic crises. Should this situation not be overcome, the benefits of foreign trade for the Mexican environmental industry will remain low.

  14. A Mechanism for Anonymous Credit Card Systems

    Science.gov (United States)

    Tamura, Shinsuke; Yanase, Tatsuro

    This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.

  15. Credit Card Debt Hardship Letter Samples

    OpenAIRE

    lissa coffey

    2016-01-01

    Having trouble with your credit card debt? Below you will find examples of hardship letters. There are several things to consider when writing a credit card hardship letter. A hardship letter is the first step to letting the credit card company know that things are bad. This free credit card hardship letter sample is only a guide in order to start the negotiation. Credit card debt hardship letter example, hardship letter to credit card. If you are having trouble paying off your debt and need ...

  16. Credit where credit is due: indexing and exposing data citations in international data repository networks

    Science.gov (United States)

    Jones, M. B.; Vieglais, D.; Cruse, P.; Chodacki, J.; Budden, A. E.; Fenner, M.; Lowenberg, D.; Abrams, S.

    2017-12-01

    Research data are fundamental to the success of the academic enterprise, and yet the practice of citing data in academic and applied works is not widespread among researchers. Researchers need credit for their contributions, and yet current citation infrastructure focuses primarily on citations to research literature. Some citation indiexing systems even systematically exclude citations to data from their corpus. The Making Data Count (MDC) project will enable measuring the impact of research data much as is currently being done with publications, the primary vehicle for scholarly credit and accountability. The MDC team (including the California Digital Library, COUNTER, DataCite, and DataONE) are working together to publish a new COUNTER recommendation on data usage statistics; launch a DataCite-hosted MDC service for aggregated DLM based on the open-source Lagotto platform; and build tools for data repository and discovery services to easily integrate with the new MDC service. In providing such data-level metrics (DLM), the MDC project augments existing measures of scholarly success and so offers an important incentive promoting open data principles and quality research data through adoption of research data management best practices.

  17. Review of Research on Credit Risk Management for Rural Credit Cooperatives

    Directory of Open Access Journals (Sweden)

    Xin Song

    2017-03-01

    Full Text Available With the rapid development of rural micro-credit, whether the qagriculture, rural areas and farmersq problems have been effectively solved, whether the credit risk has been effectively controlled, these have become the focus of our attention to the rural economic environment. The main content of this paper contains four aspects: the classification and characteristics of credit risk, the problems and factors of credit risk, the model and evaluation of credit risk, the countermeasures and suggestions of credit risk. This paper reviews the research of credit risk management for rural credit cooperatives from the above four aspects, and makes a brief summary.

  18. 26 CFR 1.37-3 - Credit for individuals under age 65 who have public retirement system income.

    Science.gov (United States)

    2010-04-01

    ... public retirement system income. 1.37-3 Section 1.37-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.37-3 Credit for individuals under... (including disability annuity payments) under a public retirement system which arises from services performed...

  19. Environmental Protection Agency (EPA) Facility Registry Service (FRS) Wastewater Treatment Plants

    Data.gov (United States)

    Department of Homeland Security — This GIS dataset contains data on wastewater treatment plants, based on EPA's Facility Registry Service (FRS) and NPDES, along with Clean Watersheds Needs Survey...

  20. The role of network bridging organisations in compensation payments for agri-environmental services under the EU Common Agricultural Policy.

    Science.gov (United States)

    Dedeurwaerdere, Tom; Polard, Audrey; Melindi-Ghidi, Paolo

    2015-11-01

    Compensation payments to farmers for the provision of agri-environmental services are a well-established policy scheme under the EU Common Agricultural Policy. However, in spite of the success in most EU countries in the uptake of the programme by farmers, the impact of the scheme on the long term commitment of farmers to change their practices remains poorly documented. To explore this issue, this paper presents the results of structured field interviews and a quantitative survey in the Walloon Region of Belgium. The main finding of this study is that farmers who have periodic contacts with network bridging organisations that foster cooperation and social learning in the agri-environmental landscapes show a higher commitment to change. This effect is observed both for farmers with high and low concern for biodiversity depletion. Support for network bridging organisations is foreseen under the EU Leader programme and the EU regulation 1306/2013, which could open-up interesting opportunities for enhancing the effectiveness of the current payment scheme for agri-environmental services.

  1. Biodiversity, ecosystem functions and services in environmental risk assessment: introduction to the special issue.

    Science.gov (United States)

    Schäfer, Ralf B

    2012-01-15

    This Special Issue focuses on the questions if and how biodiversity, ecosystem functions and resulting services could be incorporated into the Ecological Risk Assessment (ERA). Therefore, three articles provide a framework for the integration of ecosystem services into ERA of soils, sediments and pesticides. Further articles demonstrate ways how stakeholders can be integrated into an ecosystem service-based ERA for soils and describe how the current monitoring could be adapted to new assessment endpoints that are directly linked to ecosystem services. Case studies show that the current ERA may not be protective for biodiversity, ecosystem functions and resulting services and that both pesticides and salinity currently adversely affect ecosystem functions in the field. Moreover, ecological models can be used for prediction of new protection goals and could finally support their implementation into the ERA. Overall, the Special Issue stresses the urgent need to enhance current procedures of ERA if biodiversity, ecosystem functions and resulting services are to be protected. Copyright © 2011 Elsevier B.V. All rights reserved.

  2. Credit securitization and credit derivatives: Financial instruments and the credit risk management of middle market commercial loan portfolios

    OpenAIRE

    Henke, Sabine; Burghof, Hans-Peter; Rudolph, Bernd

    1998-01-01

    Banks increasingly recognize the need to measure and manage the credit risk of their loans on a portfolio basis. We address the subportfolio "middle market". Due to their specific lending policy for this market segment it is an important task for banks to systematically identify regional and industrial credit concentrations and reduce the detected concentrations through diversification. In recent years, the development of markets for credit securitization and credit derivatives has provided n...

  3. Sustainability and Organizational Change by Sustainable Crediting Therapy

    Directory of Open Access Journals (Sweden)

    Dragoş Ilie

    2012-06-01

    Full Text Available The objective of this paper is to demonstrate that one of the therapies to achieve sustainability and organizational change in the context of current challenges in the national economies is sustainable crediting. The research method is based on a survey of 30 commercial companies from various fields of activity that have or have not implemented, at the leadership level, the concept of sustainable crediting. The data collecting and processing approach has resulted in the determination of the main economic-financial indicators for a period of 5 years, indicators used by banks in relation with the credited organizations. The main results show that companies that have implemented the sustainable crediting concept are more able to achieve sustainability in their developed activity, as well as organizational change with positive effects on their business and on the company as a whole. The concept of sustainable crediting implies the capitalization of the commercial companies, the increase of the loan portfolio quality, the achievement of the financial balance and environmental protection

  4. 18 CFR 367.4320 - Account 432, Allowance for borrowed funds used during construction-Credit.

    Science.gov (United States)

    2010-04-01

    ... ACT OF 2005, FEDERAL POWER ACT AND NATURAL GAS ACT Income Statement Chart of Accounts Service Company Operating Income § 367.4320 Account 432, Allowance for borrowed funds used during construction—Credit. This...

  5. Year 2000 Computing Crisis: Actions Needed to Address Credit Union Systems' Year 2000 Problem

    National Research Council Canada - National Science Library

    1998-01-01

    On October 22,1997, we submitted testimony to the Senate Subcommittee on financial Services and Technology, Committee on Banking, Housing, and Urban Affairs on the National Credit Union Administration's (NCUA...

  6. Services

    International Nuclear Information System (INIS)

    Hardeman, F.

    1998-01-01

    The objectives of the services section is (1) to offer complete services in health-physics measurements according to international quality standards, (2) to improve continuously these measurement techniques and to follow up international recommendations and legislation concerning the surveillance of workers, (3) to support and advise nuclear and non-nuclear industry on problems of radioactive contamination. Achievements related to gamma spectrometry, whole-body counting, beta and alpha spectrometry, dosimetry, radon measurements, calibration, instrumentation, and neutron activation analysis are described

  7. British and American attitudes toward credit cards.

    Science.gov (United States)

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

    American university students owned more than twice as many credit cards as British university students. However, scores on a credit card attitude scale predicted the number of cards owned by respondents in both countries.

  8. Fish marketing and credit in Viet Nam

    National Research Council Canada - National Science Library

    Lem, Audun

    2004-01-01

    .... State-owned financial institutions play a major role in financing capital expenditure while working capital requirements are mainly met by informal sources of credit. However, future investment requirements and credit needs are greater than currently available.

  9. ENVIRONMENTAL SECURITY IN THE REGION IN THE SERVICE OF SUSTAINABLE DEVELOPMENT OF LOCAL SPATIAL

    Directory of Open Access Journals (Sweden)

    Ljiljana Stošić Mihajlović

    2016-04-01

    Full Text Available A fundamental prerequisite for the existence, growth and development of each social community is environmental safety. In modern conditions of environmental degradation as a global process, it is bound to increase social stratification, ethnic and even religious conflict, conflict and intolerance that threatens the safety of society. It is a notorious fact that the world of Simply is no longer in a position to deal with new shocks. The financial crisis has reduced global economic resilience, while geopolitical tensions and increased social concerns point to the fact that the state and society less able than ever to cope with global challenges, among which is the primary problem of environmental security. In modern countries, political, security and other interests of the citizens' day-to-day modeling, transform, get the content, in accordance with the general civilization changes. In this connection, sustainable local spatial development is crucial conditioned ecological without security region and aims to achieve a balance between current consumption of natural resources and the ability of the system to maintain the level at which future generations will be able to use them. The work represents a contribution to the achievement of environmental security as a new, modern forms of security, and originated from the need to once again draw attention to the evident environmental degradation as an integral part of human security. Ecological security of the region protects the basic components of the environment and determinants of the local spatial development. In fact, safety in the field of protection and preservation of the environment is one of the most important factors Security Council shall contemporary world. In doing so, it is important to emphasize, however, that environmental security has no borders and is a global problem, a task and an obligation.

  10. International Journal of Occupational Medicine and Environmental Health in world documentation services: the SCOPUS based analysis of citation.

    Science.gov (United States)

    Przyłuska, Jolanta

    2006-01-01

    A high classification of scientific journals in the ranking of international transfer of knowledge is reflected by other researchers' citations. The International Journal of Occupational Medicine and Environmental Health (IJOMEH) is an international professional quarterly focused on such areas as occupational medicine, toxicology and environmental health edited in Poland. IJOMEH, published in English, is indexed in numerous world information services (MEDLINE, EMBASE, EBSCO, SCOPUS). This paper presents the contribution of IJOMEH publications to the world circulation of scientific information based on the citation analysis. The analysis, grounded on the SCOPUS database, assessed the frequency of citations in the years 1996-2005. Journals in which they have been cited were retrieved and their list is also included.

  11. The modest environmental relief resulting from the transition to a service economy

    International Nuclear Information System (INIS)

    Henriques, Sofia Teives; Kander, Astrid

    2010-01-01

    A service transition is supposed to lead to the decline of energy intensity (energy/GDP). We argue that this interpretation is overly optimistic because the shift to a service economy is somewhat of an illusion in terms of real production. Several recent studies of structural effects on energy intensity have made the error of using sector shares in current prices, combined with GDP in constant prices, which is inconsistent and ignores the different behaviour of prices across sectors. We use the more correct method of sector shares in constant prices, and make an attempt to single out the effect from the real service transition by using two complementary methods: shift share analyses in current and constant prices, and Logarithmic Mean Divisia Index (LMDI) for 10 developed and 3 emerging economies. A service transition is rather modest in real terms. The major driver of the decline in energy intensity rests within the manufacturing sector. Meanwhile, the transition to a service sector had a small downward impact on energy intensity in 7 of the developed countries (and no impact in the others). For emerging economies like Brazil, Mexico and India, it is the residential sector that drives energy intensity down because of the declining share of this sector as the formal economy grows, and as a consequence of switching to more efficient fuels. (author)

  12. Risk and markets for ecosystem services.

    Science.gov (United States)

    Bendor, Todd K; Riggsbee, J Adam; Doyle, Martin

    2011-12-15

    Market-based environmental regulations (e.g., cap and trade, "payments for ecosystem services") are increasingly common. However, few detailed studies of operating ecosystem markets have lent understanding to how such policies affect incentive structures for improving environmental quality. The largest U.S. market stems from the Clean Water Act provisions requiring ecosystem restoration to offset aquatic ecosystems damaged during development. We describe and test how variations in the rules governing this ecosystem market shift risk between regulators and entrepreneurs to promote ecological restoration. We analyze extensive national scale data to assess how two critical aspects of market structure - (a) the geographic scale of markets and (b) policies dictating the release of credits - affect the willingness of entrepreneurs to enter specific markets and produce credits. We find no discernible relationship between policies attempting to ease market entry and either the number of individual producers or total credits produced. Rather, market entry is primarily related to regional geography (the prevalence of aquatic ecosystems) and regional economic growth. Any improvements to policies governing ecosystem markets require explicit evaluation of the interplay between policy and risk elements affecting both regulators and entrepreneurial credit providers. Our findings extend to emerging, regulated ecosystem markets, including proposed carbon offset mechanisms, biodiversity banking, and water quality trading programs.

  13. Ability of carbon footprint to reflect the environmental burden of a product or service – an empirical study

    DEFF Research Database (Denmark)

    Laurent, Alexis; Olsen, Stig Irving; Hauschild, Michael Zwicky

    arise if one decides to expand the outlook to include other environmental impacts, which are commonly evaluated in Life Cycle Assessments (LCA). In that perspective, over 500 products/services and two concrete cases are investigated, using the EDIP-methodology and the USEtoxTM-based toxicity......-related impacts, each one updated with the latest set of characterization factors and with normalization references for the emission year 2004. Outcome of the study shows that carbon footprinting coincides well with the LCA-based global warming assessment, though divergences rise whenever NMVOC show a significant...

  14. Credit Risk Transfer and Crunches

    DEFF Research Database (Denmark)

    Wigan, Duncan

    2010-01-01

    Rather than in terms of the inevitable demise of a destabilising process of speculation, this article explores the ‘credit crunch’ as a window on the fabrication, and measure of the proportions of a political shift driven by market actors and financial innovation. The Basel process reconceptualised...... banks as risk navigators and generated a competitive hierarchy within the global banking industry determined on a gauge of this capacity. This private regulatory regime promoted market inflation and rendered institutional liquidity and risk transfer definitive of market power. In turn, a ballooning...... credit derivatives market broke the limits of financial production and defined state actions in the face of crisis. A shift from a central concern with solvency to that of liquidity thinly masks a profound redistribution of power from the public to the private. By swapping private assets of uncertain...

  15. KARAKTERISTIK PERUSAHAAN DAN CREDIT RISK

    Directory of Open Access Journals (Sweden)

    Erma Wahdani Permanasari

    2014-05-01

    Full Text Available The purpose of this study is to determine the effect of characteristic of firm to the level of creditrisk. Characteristics of the firm is proxied by size, leverage, spread ownership, net profit margin,return on equity, industry type and scope of the company’s operations. Measurement of level creditrisk uses PT Pefindo bond rating. Annual reports of listed companies in PT Pefindo and IndonesiaStock Exchange (IDX 2010-2011 are collected based on purposive sampling techniques. Thepopulation is 238 companies. Sample used amounted to 84 companies. The analysis model usedin this study is multiple linear regression. Results of this study indicate that the level of corporatecredit risk in Indonesia is high because it is below the 50.00%. The test result of multiple regressionshowed that firm of characteristic affect the level of credit risk. Firm characteristics that affectthe level of credit risk are size, leverage, dispersion of ownership, net profit margin and returnon equity.

  16. STATE CREDIT RATING MARK: PRESENT DOMESTIC REALITIES

    OpenAIRE

    Kovalko, N. M.

    2017-01-01

    The article discusses the problematic aspects of credit ratings and ranking. The economic and legal aspects of ranking relations are addressed. It is concluded that a low credit standing of Ukraine is a sign of our country’s low debt sustainability.It is proved that both for Ukraine and for economically developed countries, the issue of credit ratings is quite important, and at times problematic. The issue is related to the development of the national and international financial credit resour...

  17. Did Globalization Influence Credit Market Deregulation

    OpenAIRE

    Eppinger, Peter; Potrafke, Niklas

    2015-01-01

    We investigate whether globalization influenced credit market deregulation over the period 1970-2010. Globalization is measured by the KOF indices of globalization. Credit market deregulation is measured by the credit market freedom indicators of the Fraser Institute. The results from both cross-sectional and panel regressions using ordinary least squares indicate a positive correlation between globalization and credit market deregulation. We account for reverse causality by using predicted t...

  18. Developing emission reduction credit trading in Texas

    International Nuclear Information System (INIS)

    Dodds, J.E.

    1993-01-01

    The Texas Air Control Board has begun to develop a system of emission reduction credit training. The system will be developed incrementally over time. The first step, banking of VOC and NO x Emission Reduction Credits, began March 15, 1993. Additional programs under study and development include NO x RACT trading, emission credits for motor vehicle scrappage and alternative fuel conversion, and establishment of community organizations to generate and acquire emission reduction credits for economic development purposes

  19. An environmental scan of emergency response systems and services in remote First Nations communities in Northern Ontario.

    Science.gov (United States)

    Mew, E J; Ritchie, S D; VanderBurgh, D; Beardy, J L; Gordon, J; Fortune, M; Mamakwa, S; Orkin, A M

    2017-01-01

    Approximately 24,000 Ontarians live in remote Indigenous communities with no road access. These communities are a subset of Nishnawbe Aski Nation (NAN), a political grouping of 49 First Nations communities in Northern Ontario, Canada. Limited information is available regarding the status of emergency care in these communities. We aimed to understand emergency response systems, services, and training in remote NAN communities. We used an environmental scan approach to compile information from multiple sources including community-based participatory research. This included the analysis of data collected from key informant interviews (n=10) with First Nations community health leaders and a multi-stakeholder roundtable meeting (n=33) in October 2013. Qualitative analysis of the interview data revealed four issues related to emergency response systems and training: (1) inequity in response capacity and services, (2) lack of formalised dispatch systems, (3) turnover and burnout in volunteer emergency services, and (4) challenges related to first aid training. Roundtable stakeholders supported the development of a community-based emergency care system to address gaps. Existing first response, paramedical, and ambulance service models do not meet the unique geographical, epidemiological and cultural needs in most NAN communities. Sustainable, context-appropriate, and culturally relevant emergency care systems are needed.

  20. Identifying ecosystem service hotspots for environmental management in Durban, South Africa

    Directory of Open Access Journals (Sweden)

    Rashieda Davids

    2016-12-01

    Conclusion: The results indicated that substantial portions of hotspot areas lie outside of formally regulated and managed conservation areas and remain vulnerable to human impact and habitat degradation. The study identified management areas and options that could yield maximum benefits; including the need for the development of an ecosystem services management and protection strategy, the selection of areas for co-management of ecosystem service hotspots and CBAs and the need for collaborative management.

  1. Efficiency effects of quality of service and environmental factors. Experience from Norwegian electricity distribution

    Energy Technology Data Exchange (ETDEWEB)

    Growitsch, Christian [WIK Wissenschaftliches Institut fuer Infrastruktur und Kommunikationsdienste GmbH, Bad Honnef (Germany). Dept. of Energy Markets and Energy Regulation; Jamasb, Tooraj [Edinburgh Univ. (United Kingdom). Dept. of Economics; Wetzel, Heike [Cologne Univ. (Germany). Dept. of Economics

    2010-08-15

    Since the 1990s, efficiency and benchmarking analysis has increasingly been used in network utilities research and regulation. A recurrent concern is the effect of environmental factors that are beyond the influence of firms (observable heterogeneity) and factors that are not identifiable (unobserved heterogeneity) on measured cost and quality performance of firms. This paper analyses the effect of geographic and weather factors and unobserved heterogeneity on a set of 128 Norwegian electricity distribution utilities for the 2001-2004 period. We utilize data on almost 100 geographic and weather variables to identify real economic inefficiency while controlling for observable and unobserved heterogeneity. We use the factor analysis technique to reduce the number of environmental factors into few composite variables and to avoid the problem of multicollinearity. We then estimate the established stochastic frontier models of Battese and Coelli (1992; 1995) and the recent true fixed effects models of Greene (2004; 2005) without and with environmental variables. In the former models some composite environmental variables have a significant effect on the performance of utilities. These effects vanish in the true fixed effects models. However, the latter models capture the entire unobserved heterogeneity and therefore show significantly higher average efficiency scores. (orig.)

  2. Environmental Compliance Audit Handbook (ECAH): U.S. Fish and Wildlife Service. (Revision)

    National Research Council Canada - National Science Library

    Schell, Donna

    1998-01-01

    .... The concept was to combine the Code of Federal Regulations with good management practices and risk-management issues into a series of checklists that show legal requirements and specific items of operations to review. This handbook is continually updated to address new environmental compliance laws and regulations.

  3. Environmental Compliance Audit Handbook (ECAH): U.S. Fish and Wildlife Service

    National Research Council Canada - National Science Library

    Schell, Donna

    2000-01-01

    .... The concept was to combine the Code of Federal Regulations with good management practices and risk management issues into a series of checklists that show legal requirements and specific items of operations to review. This handbook is continually updated to address new environmental compliance laws and regulations.

  4. Environmental Compliance Audit Handbook (ECAH): U.S. Fish and Wildlife Service (FWS) (Revision)

    National Research Council Canada - National Science Library

    Schell, Donna

    1999-01-01

    .... The concept was to combine the Code of Federal Regulations with good management practices and risk-management issues into a series of checklists that show legal requirements and specific items of operations to review. This handbook is continually updated to address new environmental compliance laws and regulations.

  5. Chemical Transformation System: Cloud Based Cheminformatic Services to Support Integrated Environmental Modeling

    Science.gov (United States)

    Integrated Environmental Modeling (IEM) systems that account for the fate/transport of organics frequently require physicochemical properties as well as transformation products. A myriad of chemical property databases exist but these can be difficult to access and often do not co...

  6. Chemical Transformation System: Cloud Based Cheminformatic Services to Support Integrated Environmental Modeling (proceedings)

    Science.gov (United States)

    Integrated Environmental Modeling (IEM) systems that account for the fate/transport of organics frequently require physicochemical properties as well as transformation products. A myriad of chemical property databases exist but these can be difficult to access and often do not co...

  7. Substituting computers for services - potential to reduce ICT's environmental footprint

    Energy Technology Data Exchange (ETDEWEB)

    Plepys, A. [The International Inst. for Industrial Environmental Economics at Lund Univ. (Sweden)

    2004-07-01

    The environmental footprint of IT products are significant and, in spite of manufacturing and product design improvements, growing consumption of electronics results in increasing absolute environmental impact. Computers have short technological lifespan and a lot of the in-build performance, although necessary, remains idling for most of the time. Today, most of computers used in non-residential sectors are connected to networks. The premise of this paper is that computer networks are an untapped resource, which could allow addressing environmental impacts of IT products through centralising and sharing computing resources. The article presents results of a comparative study of two computing architectures. The first one is the traditional decentralised PC-based system and the second - centralised server-based computing (SBC) system. Both systems deliver equivalent functions to the final users and this can be compared on a one-to-one basis. The study evaluates product lifespan, energy consumption in user stage, product design and its environmental implications in manufacturing. (orig.)

  8. The Relationship between Pre-Service Teachers' Awareness Levels of Electromagnetic Pollution and Other Environmental Problems

    Science.gov (United States)

    Koklukaya, Ayse Nesibe; Guven Yildirim, Ezgi; Selvi, Mahmut

    2017-01-01

    Purpose: The purpose of this study is to find out the relationship between the awareness level of preservice science teachers' conscious use of technological devices, which cause electromagnetic pollution, and their awareness level of related environmental problems. Research Methods: In this study, a mixed design method was used. A relational…

  9. Perceptions of Secondary School Students' towards Environmental Services: A Case Study from Czechia

    Science.gov (United States)

    Tesfai, Mehreteab; Nagothu, Udaya Sekhar; Šimek, Josef; Fucíkc, Petr

    2016-01-01

    A total of 967 students (males and females) from four secondary schools in Vysocina region of Czechia were interviewed via 24-question Likert-type questionnaire to assess student's environmental awareness and perceptions. The generalized linear models were used to test if (and to what extent) student perceptions related to environment are/or not…

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraFernando Prado de Matos BettencourtMariana de Almeida Reis CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplares Impressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoCoordenadora da Essentia EditoraKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoEditora-chefeKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Maria Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Roberto Moraes Pessanha Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Apoio TécnicoCarlos David PascoDenia Cristina da Silva BarretoGisele Carvalho da Silva Costa Nogueira Bolsista de Iniciação CientíficaJáder da Mota SiqueiraJúlio Fontoura Gonçalves de LimaSamara Melo RodriguesWanessa Alves Duarte Revisão de Texto Edinalda Maria Almeida da SilvaVania Cristina Alexandrino Bernardo Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Diego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica Inez Barcellos de Andrade CopidesqueCláudia de Souza CaetanoCatalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIPB688 Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2007 - .- Campos dos Goytacazes (RJ: Essentia Editora,2007- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Borzan Indústria Gráfica | Tel.: (22 3211-9274

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Pró-Reitora de Desenvolvimento Institucional Ana Lúcia Campinho Coordenadora da Essentia Editora Kíssila da Conceição Ribeiro Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Equipe Editorial Revisão de Língua Portuguesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKíssila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Revisão de Língua Inglesa Hélvia Pereira Pinto Bastos Capa, Projeto Gráfico André da Silva Cruz Diagramação Cláudia Marcia Alves FerreiraMariana de Almeida Reis Revisão Técnica e Catalogação Inez Barcellos de Andrade Logotipo Marcos Antonio Esquef Maciel Dados de Catalogação na Publicação (CIP V567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997- QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009. ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica 1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense. CDD - 370.5 Revista Indexada em: Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEER Sistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEX Directory Open Access Journals (DOAJ Revista filiada à: Associação Brasileira de Editores Científicos Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728 A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense. Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial. É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    Full Text Available Diretora Geral Cibele Daher Botelho Monteiro Vice-Diretora Geral Jefferson Manhães de Azevedo Coordenadora de Pós-Graduação Vera Raimunda Amério Asseff Coordenador de Pesquisa Rogério Atem de Carvalho Editora-Chefe Maria Amelia Ayd Correa Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Dalila Silva MelloMarcos Antonio Cruz MoreiraRoberta de Sousa RamalhoVicente de Paulo Santos de Oliveira Organizadores deste número Maria Inês Paes FerreiraMariana Rodrigues de Carvalhaes PinheiroTathiana Chaves de Souza Apoio Técnico Gisele Carvalho da Silva Costa NogueiraCarlos David Pasco Bolsistas de Iniciação Científica Felipe Eliakim SilvaSamara Melo Rodrigues Revisão de Texto Edinalda Maria Almeida da Silva Projeto Gráfico André da Silva CruzDaniel Marques Sardinha Diagramação Daniel Marques Sardinha Capa Daniel Marques Sardinha Revisão Técnica Flávia Gomes de Abreu SiqueiraVanessa Vasconcelos Lopes Assistente de Editoração Cláudia de Souza Caetano Catalogação Antonio Soares das Chagas Filho Dados de Catalogação na Publicação (CIP Boletim do Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 2, n. 1 (jan./jun. 2008. Centro Federal de Educação Tecnológicade Campos. Observatório Ambiental Alberto Ribeiro Lamego.Campos dos Goytacazes, RJ: Essentia Editora, 2008 - v. : il. 14 cm. SemestralISSN 1981-6197 1. Engenharia ambiental. I. Centro Federal de Educação Tecnológicade Campos. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Gráfica e Editora GSA | Tel.: (27 3232-1266

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorLuiz Felipe Umbelino dos SantosBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos Nascimento Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraDiego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade CopidesqueEdson Carlos NascimentoDados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

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    2010-05-01

    Full Text Available Diretora Geral Cibele Daher Botelho Monteiro Vice-Diretora Geral Jefferson Manhães de Azevedo Coordenadora de Pós-Graduação Vera Raimunda Amério Asseff Coordenador de Pesquisa Rogério Atem de Carvalho Editora-Chefe Maria Amelia Ayd Correa Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Dalila Silva MelloMarcos Antonio Cruz MoreiraRoberta de Sousa RamalhoVicente de Paulo Santos de Oliveira Organizadores deste número Maria Inês Paes FerreiraMariana Rodrigues de Carvalhaes PinheiroTathiana Chaves de Souza Apoio Técnico Gisele Carvalho da Silva Costa NogueiraCarlos David Pasco Bolsistas de Iniciação Científica Felipe Eliakim SilvaSamara Melo Rodrigues Revisão de Texto Edinalda Maria Almeida da Silva Projeto Gráfico André da Silva CruzDaniel Marques Sardinha Diagramação Daniel Marques Sardinha Capa Daniel Marques SardinhaDiego Tavares Ventapane Lopes Revisão Técnica Flávia Gomes de Abreu SiqueiraVanessa Vasconcelos Lopes Assistente de Editoração Cláudia de Souza Caetano Catalogação Antonio Soares das Chagas Filho Dados de Catalogação na Publicação (CIP Boletim do Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, n. 2 (jul./dez. 2007. Centro Federal de Educação Tecnológicade Campos. Observatório Ambiental Alberto Ribeiro Lamego.Campos dos Goytacazes, RJ: Essentia Editora, 2007 - v. : il. 14 cm. SemestralISSN 1981-6197 1. Engenharia ambiental. I. Centro Federal de Educação Tecnológicade Campos. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: GSA Gráfica e Editora | Tel.: (27 3232-1266

  18. 75 FR 64785 - Corporate Credit Unions

    Science.gov (United States)

    2010-10-20

    ... management (ALM) and credit risk, and whether to make modifications in the area of corporate governance. NCUA... the revisions, an analysis of how the final investment, credit risk, and asset liability provisions..., credit risk, ALM, liquidity, and capital measures that together should greatly reduce the systemic risk...

  19. 76 FR 24089 - Credit Risk Retention

    Science.gov (United States)

    2011-04-29

    ... 17 CFR Part 246 Department of Housing and Urban Development 24 CFR Part 267 Credit Risk Retention... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC..., Commission, FHFA, and HUD (the Agencies) are proposing rules to implement the credit risk retention...

  20. 76 FR 34010 - Credit Risk Retention

    Science.gov (United States)

    2011-06-10

    ... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC... credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Credit Risk NPR'' or ``proposed rule...

  1. Rare disasters, credit, and option market puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    2017-01-01

    calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...

  2. Rare Disasters and Credit Market Puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    to the real economy and not to bond prices can simultaneously explain several key empirical regularities in credit markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed spreads...

  3. 76 FR 54991 - Corporate Credit Unions

    Science.gov (United States)

    2011-09-06

    ... believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is... credit union excludes the consolidated assets of such programs from risk-weighted assets pursuant to... paragraphs (c)(3) and (f)(4) and adding new p(h) to read as follows: Sec. 704.6 Credit risk management...

  4. Consumer Credit: Evidence from Italian Micro Data

    NARCIS (Netherlands)

    Hochguertel, S.; Alessie, R.; Weber, G.

    2005-01-01

    In this paper we analyse unique data on credit applications received by the leading provider of consumer credit in Italy (Findomestic). The data set covers a five-year period (1995-1999) during which the consumer credit market rapidly expanded in Italy and a new law (the usury law) came into force

  5. CREDIT RATIONING AND SME DEVELOPMENT IN BOTSWANA ...

    African Journals Online (AJOL)

    None

    have the negative effect of stifling the growth of potential firms, thereby .... credit market may explain the credit rationing behaviour of banks to ... derive policy implications to enhance access to bank credit by SMEs. 4. ..... The main challenges to SMEs identified by the study were non-payment of outstanding ... This decision is.

  6. 24 CFR 206.37 - Credit standing.

    Science.gov (United States)

    2010-04-01

    ... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgagors § 206.37 Credit standing. Each mortgagor must have a general credit standing satisfactory to the Secretary. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Credit standing. 206.37 Section 206...

  7. Credit in Acceptance Sampling on Attributes

    NARCIS (Netherlands)

    Klaassen, Chris A.J.

    2000-01-01

    Credit is introduced in acceptance sampling on attributes and a Credit Based Acceptance sampling system is developed that is very easy to apply in practice.The credit of a producer is defined as the total number of items accepted since the last rejection.In our sampling system the sample size for a

  8. 27 CFR 46.223 - Tax credit.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Tax credit. 46.223 Section... for Sale on April 1, 2009 Tax Liability Calculation § 46.223 Tax credit. The dealer is allowed a credit of up to $500 against the total floor stocks tax. However, controlled groups are eligible for only...

  9. 48 CFR 2132.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

  10. 48 CFR 1632.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...

  11. 40 CFR 91.1307 - Credit calculation.

    Science.gov (United States)

    2010-07-01

    ... family in kW (sales weighted). The power of each configuration is the rated output in kilowatts as....1307 Credit calculation. For each participating engine family, emission credits (positive or negative... for an engine family whether generating positive or negative in-use emission credits: ER04oc96.053...

  12. 78 FR 25101 - Credit Ratings Roundtable

    Science.gov (United States)

    2013-04-29

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-69433; File No. 4-661] Credit Ratings... examine issues in connection with the possibility of developing a credit rating assignment system. The... FURTHER INFORMATION CONTACT: Scott Davey at (212) 336-0075, Office of Credit Ratings, Securities and...

  13. Environmental accounting of natural capital and ecosystem services for the US National Forest System

    Science.gov (United States)

    Elliot T. Campbell; Mark T. Brown; NO-VALUE

    2012-01-01

    The National Forests of the United States encompass 192.7 million acres (78 million hectares) of land, which is nearly five percent of the total land area of the nation. These lands are managed by the US Forest Service (USFS) for multiple uses, including extraction of timber, production of fossil fuels and minerals, public recreation, and the preservation of...

  14. 78 FR 16036 - Service Level Environmental Impact Statement for the Texas Oklahoma Passenger Rail Study Corridor...

    Science.gov (United States)

    2013-03-13

    ... transportation modes such as auto, air travel, intercity bus, and existing rail and the physical characteristics... alternatives to provide higher speed passenger rail service to meet future intercity travel demand and to... truck traffic demand, intercity truck traffic demand, and passenger travel demand compete for highway...

  15. Incorporating Ecosystem Goods and Services in Environmental Planning - Definitions, Classification and Operational Approaches

    Science.gov (United States)

    2013-07-01

    the characteristics of the surrounding landscape , including proximity to and use by people are considered as key determinants in the levels and values...a certain level of management may be necessary in some environments. Within the definition of ecosystem goods and services, there are two major...regulation Erosion regulation Disease regulation Pest regulation Pollination Cultural Cultural diversity Spiritual and religious values Recreation

  16. 15 CFR 950.7 - Center for Environmental Assessment Services (CEAS).

    Science.gov (United States)

    2010-01-01

    ...) The following are examples of CEAS projects and services: (1) CEAS prepares data-based studies and... experiment design, data analysis, and data management support to project managers and produces merged... global oceanographic data base from observations taken during the First GARP Global Experiment (FGGE). (b...

  17. Aviation Environmental Design Tool (AEDT) : Version 2c service Pack 1 : installation guide.

    Science.gov (United States)

    2016-12-01

    This document provides detailed instructions on how to install and run AEDT 2c Service Pack 1 (SP1). It is important to follow the installation instructions in the order listed below, as Microsoft SQL Server 2008 R2 is a prerequisite for AEDT. Instal...

  18. Vehicle to Grid regulation services of electric delivery trucks: Economic and environmental benefit analysis

    International Nuclear Information System (INIS)

    Zhao, Yang; Noori, Mehdi; Tatari, Omer

    2016-01-01

    Highlights: • Potential net present revenues of electric truck based V2G regulation services are investigated. • GHG emission mitigation of V2G regulation services provided by electric trucks are quantified. • The total cost of ownership and the life-cycle GHG emissions of electric trucks are also analyzed. • V2G regulation services for electric trucks could yield considerable revenues and GHG emission savings. - Abstract: Concerns regarding the fuel costs and climate change impacts associated with petroleum combustion are among the main driving factors for the adoption of electric vehicles. Future commercial delivery truck fleets may include Battery Electric Vehicles (BEVs) and Extended Range Electric Vehicles (EREVs); in addition to savings on fuel and maintenance costs, the introduction of these grid accessible electric vehicles will also provide fleet owners with possible Vehicle to Grid (V2G) opportunities. This study investigates the potential net present revenues and greenhouse gas (GHG) emission mitigation of V2G regulation services provided by electric trucks in a typical fleet. The total cost of ownership and the life-cycle GHG emissions of electric trucks are also analyzed and compared to those of traditional diesel trucks. To account for uncertainties, possible ranges for key parameters are considered instead of only considering fixed single data values for each parameter. The results of this research indicate that providing V2G regulation services for electric trucks could yield considerable additional revenues ($20,000–50,000) and significant GHG emission savings (approximately 300 ton CO_2) compared to conventional diesel trucks.

  19. Sustainable Trade Credit and Replenishment Policies under the Cap-And-Trade and Carbon Tax Regulations

    Directory of Open Access Journals (Sweden)

    Juanjuan Qin

    2015-12-01

    Full Text Available The paper considers the sustainable trade credit and inventory policies with demand related to credit period and the environmental sensitivity of consumers under the carbon cap-and-trade and carbon tax regulations. First, the decision models are constructed under three cases: without regulation, carbon cap-and-trade regulation, and carbon tax regulation. The optimal solutions of the retailer in the three cases are then discussed under the exogenous and endogenous credit periods. Finally, numerical analysis is conducted to obtain conclusions. The retailer shortens the trade credit period as the environmental sensitivity of the consumer is enhanced. The cap has no effects on the credit period decisions under the carbon cap-and-trade regulation. Carbon trade price and carbon tax have negative effects on the credit period. The retailer under carbon cap-and-trade regulation is more motivated to obey regulations than that under carbon tax regulation when carbon trade price equals carbon tax. Carbon regulations have better effects on carbon emission reduction than with exogenous credit term when the retailer has the power to decide with regards credit policies.

  20. Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education

    Science.gov (United States)

    Prasuhn, Frederick Carl

    2014-01-01

    U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…

  1. 5 CFR 842.306 - Military service.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Military service. 842.306 Section 842.306... EMPLOYEES RETIREMENT SYSTEM-BASIC ANNUITY Credit for Service § 842.306 Military service. (a) Except as...' Retirement System Act of 1986, an employee's or Member's military service is creditable if it was performed...

  2. Impact of payments for environmental services and protected areas on local livelihoods and forest conservation in northern Cambodia.

    Science.gov (United States)

    Clements, Tom; Milner-Gulland, E J

    2015-02-01

    The potential impacts of payments for environmental services (PES) and protected areas (PAs) on environmental outcomes and local livelihoods in developing countries are contentious and have been widely debated. The available evidence is sparse, with few rigorous evaluations of the environmental and social impacts of PAs and particularly of PES. We measured the impacts on forests and human well-being of three different PES programs instituted within two PAs in northern Cambodia, using a panel of intervention villages and matched controls. Both PES and PAs delivered additional environmental outcomes relative to the counterfactual: reducing deforestation rates significantly relative to controls. PAs increased security of access to land and forest resources for local households, benefiting forest resource users but restricting households' ability to expand and diversify their agriculture. The impacts of PES on household well-being were related to the magnitude of the payments provided. The two higher paying market-linked PES programs had significant positive impacts, whereas a lower paying program that targeted biodiversity protection had no detectable effect on livelihoods, despite its positive environmental outcomes. Households that signed up for the higher paying PES programs, however, typically needed more capital assets; hence, they were less poor and more food secure than other villagers. Therefore, whereas the impacts of PAs on household well-being were limited overall and varied between livelihood strategies, the PES programs had significant positive impacts on livelihoods for those that could afford to participate. Our results are consistent with theories that PES, when designed appropriately, can be a powerful new tool for delivering conservation goals whilst benefiting local people. © 2014 The Authors. Conservation Biology published by Wiley Periodicals, Inc. on behalf of Society for Conservation Biology.

  3. Sex of respondent and credit attitudes as predictors of credit card use and debt payment.

    Science.gov (United States)

    McCall, Michael; Eckrich, Donald W

    2006-06-01

    Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.

  4. Long-term intercomparison of Spanish environmental dosimetry services. Study of transit dose estimations

    International Nuclear Information System (INIS)

    Duch, Ma Amor; Carlos Saez-Vergara, Jose; Ginjaume, Merce; Gomez, Candelas; Maria Gonzalez-Leiton, Ana; Herrero, Javier; Jose de Lucas, Ma; Rodriguez, Rafael; Marugan, Immaculada; Salas, Rosario

    2008-01-01

    This paper presents the layout and results of a three-year follow-up of a national intercomparison campaign organized on a voluntary basis among the Spanish Laboratories in charge of environmental monitoring at and in the vicinity of Spanish nuclear installations. The dosemeters were exposed in the field at an environmental reference station with a known ambient dose equivalent, and controlled meteorological parameters. The study aimed at verifying the consistency of the different laboratories in estimating the ambient dose equivalent in realistic fields and to evaluate the influence of two different procedures to estimate the transit dose during the transfer of the dosemeters both from and to the dosimetric laboratory and the monitored site. All the results were within 20% of the reference doses for all the dosemeters tested, and in most cases they were within 10%

  5. Abuse of Rachel Carson and Misuse of DDT Science in the Service of Environmental Deregulation.

    Science.gov (United States)

    Yang, Jingxiang; Ward, Michael D; Kahr, Bart

    2017-08-14

    Fake news?? The contact insecticide DDT has been reappraised as a safe, life-saving compound by special interest groups committed to repealing environmental regulations. It is shown in this essay how some specific toxicological data has been misused by those aiming to disingenuously influence public policy. Graphic: Pestroy, a DDT-laced coating marketed in 1946 by Sherwin-Williams Research Laboratories. © 2017 Wiley-VCH Verlag GmbH & Co. KGaA, Weinheim.

  6. 26 CFR 1.42A-1 - General tax credit for taxable years ending after December 31, 1975, and before January 1, 1979.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true General tax credit for taxable years ending after... SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.42A-1 General tax... section, an individual is allowed as a credit against the tax imposed by chapter 1 for the taxable year in...

  7. Green Auctions and Reduction of Information Rents in Payments for Environmental Services: An Experimental Investigation in Sunan County, Northwestern China

    Science.gov (United States)

    Deng, Xiaohong; Xu, Zhongmin

    2015-01-01

    Reducing information rents is an important task for government agencies wishing to purchase maximal environmental services with limited budgets. This paper reports on several green auction options for reducing information rents and improving the performance of the “Grain for Green” Payments for environmental services (PES) program implemented in northwestern China. In r experimental auctions and investigations, door-to-door interviews were conducted and bidding envelopes and survey questionnaires were used to determine the offers and the foregone profits of the participants. Three scenarios are analyzed in this paper: a uniform price auction, a discriminatory price auction, and an opportunity-cost system. The results show that compared to the uniform price auction system, the other auction systems can increase the cost-effectiveness of conservation contracting. Competitive bidding can reveal true opportunity costs and can reduce information rents extracted from the government by farmers using private information. The demographics and average bids of these auction types were also analyzed. “Perfect information” in the opportunity-cost offer system has the best performance but is very hard to implement in reality. The results of this research show that the auction is a valuable tool for purchasing conservation contracts in northwestern China, but that in the future, the performance of these auctions should be studied with relaxed model assumptions. PMID:25793263

  8. Concepts and a methodology for evaluating environmental services from trees of small farms in Chiapas, México.

    Science.gov (United States)

    Marinidou, Eleni; Finegan, Bryan; Jiménez-Ferrer, Guillermo; Delgado, Diego; Casanoves, Fernando

    2013-01-15

    We propose a methodology to estimate the environmental service (ES) value of small farms in Chiapas, Mexico, involving trained farmers-promoters in field sampling. We considered the ways in which the landscape's principal organisms, the trees, contribute to ES. We proposed a species functional value (FV) index based on their functional traits and key ecological characteristics, and estimated each site's ES value using FV weighted by the dimensions and abundance of individuals in different land uses (LU). Tree contribution to carbon storage (C) was defined using species wood density and biodiversity conservation value (BD) using food and habitat provision for wildlife and species existence (non-use) value (EX). Many species and individuals had high C, as wind-dispersed species with dense wood were common, but low BD prevailed, with high BD species common only in riparian forests. Few species and fewer individuals had high EX conferred by dense wood, large size, harvesting pressure and animal dispersal, among others. High variance in value within LU types, suggested that LU is a poor estimator of ES value, and that the measurement of species FV and tree dimensions is essential. This tool accurately reflects the ecological values of farm tree cover, allowing negotiation of compensation for environmental services. This methodology could be implemented combining open-access regional traits databases and field sampling by local people, and can easily be adapted for the measurement of other ES, and to other ecological and cultural contexts. Copyright © 2012 Elsevier Ltd. All rights reserved.

  9. Northeast Empire Limited Partnership No. 2 Alternative Energy, Inc. and Maine Public Service Company (Docket No. EA-95): Environmental Assessment

    International Nuclear Information System (INIS)

    1992-05-01

    This environmental assessment (EA) has been prepared in connection with the application (the Application) by Alternative Energy, Inc. (AEI), Northeast Empire Limited Partnership number-sign 2 (the Partnership) and Maine Public Service Company (MPS and, collectively with AEI and the Partnership, the Applicants), filed on January 6, 1992, for authorization to transmit electric energy to a foreign country. The electric energy to be exported would be produced by a 39-megawatt (MW), wood-fired powerplant (the Project) to be developed by AEI and to be built by the Partnership in Ashland, Maine, which is located in MPS' service territory. In the Application, the Applicants requested authorization for MPS to transmit electricity generated by the Project from Maine through New Brunswick, Canada, on route back to the US for domestic use by Central Maine Power Company (MP). The need to cross the US -Canadian border arises due to the geography of the area and to facilitate access to an existing transmission line. None of the power will be used in Canada. This EA addresses the environmental impacts associated with the export of electric energy and the connected actions which are expected to result from the authorization of those exports. The electricity would be exported over cross-border transmission facilities maintained between MPS and New Brunswick Power Corporation (NB Power). No new cross-border facilities, and no modification of any existing cross-border facilities, are required in connection with the proposed action

  10. A Network Model of Credit Risk Contagion

    Directory of Open Access Journals (Sweden)

    Ting-Qiang Chen

    2012-01-01

    Full Text Available A network model of credit risk contagion is presented, in which the effect of behaviors of credit risk holders and the financial market regulators and the network structure are considered. By introducing the stochastic dominance theory, we discussed, respectively, the effect mechanisms of the degree of individual relationship, individual attitude to credit risk contagion, the individual ability to resist credit risk contagion, the monitoring strength of the financial market regulators, and the network structure on credit risk contagion. Then some derived and proofed propositions were verified through numerical simulations.

  11. The payment for environmental services (pes programs addressed to agroecology: the emergency of european experience and the absence of mechanisms in brazil.

    Directory of Open Access Journals (Sweden)

    Felipe Franz Wienke

    2016-12-01

    Full Text Available The Brazilian agricultural production is characterized by the adoption of unsustainable practices. The lack of political-legal instruments capable to promote a change in the productive bases is noticeable. The experiences of Payment for Environmental Services (PES programs have reached repercussions on environmental law, presenting a significant potential for an agroecological transition. The Common Agricultural Policy (CAP provides subsidies for the formulation of a Payment for Environmental Services (PES program to promote the agroecological transition in the Brazilian context, an objective already consolidated in the scope of public policies, but with still modest results.

  12. Environmental and biological monitoring of benzene during self-service automobile refueling.

    OpenAIRE

    Egeghy, P P; Tornero-Velez, R; Rappaport, S M

    2000-01-01

    Although automobile refueling represents the major source of benzene exposure among the nonsmoking public, few data are available regarding such exposures and the associated uptake of benzene. We repeatedly measured benzene exposure and uptake (via benzene in exhaled breath) among 39 self-service customers using self-administered monitoring, a technique rarely used to obtain measurements from the general public (130 sets of measurements were obtained). Benzene exposures averaged 2.9 mg/m(3) (...

  13. Formal and Informal Credit Markets and Rural Credit Demand in China

    OpenAIRE

    Tang, Sai; Guan, Zhengfei; Jin, Songqing

    2010-01-01

    Credit markets are an essential economic institution. In developing countries, particularly in countries undergoing rapid social and economic transition, it is important to identify emerging credit demand and institute credit supply in a timely manner to facilitate economic transformation. This research focuses on the evolving rural credit market in China, where borrowing from the social network has been common but the recent economic transition has made this informal credit market inadequate...

  14. The Impact of Financial Development on the Relationship between Trade Credit, Bank Credit and Firm Characteristics

    OpenAIRE

    Jézabel Couppey-Soubeyran; Jérôme Héricourt

    2013-01-01

    Using a database of more than 1,300 firms from six countries in the MENA region, we study the impact of financial development on the relationship between trade credit on the one hand and bank credit access and firm-level characteristics, especially financial health, on the other hand. Trade credit use increases with the difficulty for gaining access to bank credit, and indicators of the quality of the firm's financial structure negatively influence the use of trade credit. Additional investig...

  15. Statistical credit risk assessment model of small and very small enterprises for Lithuanian credit unions

    OpenAIRE

    Špicas, Renatas

    2017-01-01

    While functioning in accordance with the new, business and efficiency-oriented operating model, credit unions develop and begin functioning outside the community. It is universally recognised in scientific literature that as credit unions expand their activities beyond a community, social relations with credit union members weaken and the credit unions lose their social control element, which help them to better assess and manage information asymmetry and credit risk. So far, the analysis of ...

  16. Non-conventional fuel tax credit

    International Nuclear Information System (INIS)

    Soeoet, P.M.

    1988-01-01

    Coal-seam methane, along with certain other non-conventional fuels, is eligible for a tax credit. This production tax credit allowed coal-seam methane producers to receive $0.7526 per million Btu of gas sold during 1986. In 1987, this credit rose to $0.78 per million Btu. The tax credit is a very significant element of the economic analysis of current coal-seam methane projects. In today's spot market, gas prices are around $1.50 per million Btu. Allowing for costs of production, the gas producer will net more income from the tax credit than from the sale of the gas. The Crude Oil Windfall Profit Tax Act of 1980 is the source of this tax credit. There were some minor changes made by subsequent legislation, but most of the tax credit has remained intact. Wells must be drilled by 1990 to qualify for the tax credit but the production from such wells is eligible for the tax credit until 2001. Projections have been made, showing that the tax credit should increase to $0.91 per million Btu for production in 1990 and $1.34 per million Btu in 2000. Variables which may decrease the tax credit from these projections are dramatically lower oil prices or general economic price deflation

  17. Private Sector Credit and Inflation Volatility

    Directory of Open Access Journals (Sweden)

    Lorna Katusiime

    2018-04-01

    Full Text Available This paper investigates the effect of inflation volatility on private sector credit growth. The results indicate that private sector credit growth is positively linked to the one period lagged inflation volatility. Given that past monetary policy actions continue to affect the targeted variables due to the substantial lags in the transmission mechanism, the positive response of private sector credit growth to past inflation volatility suggests a credible monetary policy regime in Uganda, which has led to a reduction in the level of macroeconomic uncertainty and the restoration of favorable economic conditions and prospects, thus increasing the demand for credit. Further, the study finds that the lagged private sector credit growth, nominal exchange rate, and inflation have a statistically significant effect on private sector credit growth while financial innovation, interest rates, and GDP growth appear not to be important determinants of private sector credit growth. The robustness of our findings is confirmed by sensitivity checks.

  18. Working relationships of infection prevention and control programs and environmental services and associations with antibiotic-resistant organisms in Canadian acute care hospitals.

    Science.gov (United States)

    Zoutman, Dick E; Ford, B Douglas; Sopha, Keith

    2014-04-01

    Environmental contamination in hospitals with antibiotic-resistant organisms (AROs) is associated with patient contraction of AROs. This study examined the working relationship of Infection Prevention and Control (IPAC) and Environmental Services and the impact of that relationship on ARO rates. Lead infection control professionals completed an online survey that assessed the IPAC and Environmental Services working relationship in their acute care hospital in 2011. The survey assessed cleaning collaborations, staff training, hospital cleanliness, and nosocomial methicillin-resistant Staphylococcus aureus (MRSA) infection, vancomycin-resistant Enterococcus (VRE) infection, and Clostridium difficile infection (CDI). The survey was completed by 58.3% of hospitals (119 of 204). Two-thirds (65.8%; 77 of 117) of the respondents reported that their cleaners were adequately trained, and 62.4% (73 of 117) reported that their hospital was sufficiently clean. Greater cooperation between IPAC and Environmental Services was associated with lower rates of MRSA infection (r = -0.22; P = .02), and frequent collaboration regarding cleaning protocols was associated with lower rates of VRE infection (r = -0.20; P = .03) and CDI (r = -0.31; P Environmental Services, and this was associated with lower rates of ARO. Deficits in the adequacy of cleaning staff training and hospital cleanliness were identified. The promotion of collaborative working relationships and additional training for Environmental Services workers would be expected to lower ARO rates. Copyright © 2014 Association for Professionals in Infection Control and Epidemiology, Inc. Published by Mosby, Inc. All rights reserved.

  19. PRE-CONTRACTUAL INFORMATION IN CREDIT AGREEMENTS FOR CONSUMERS

    Directory of Open Access Journals (Sweden)

    Mihaela-Irina IONESCU

    2015-07-01

    Full Text Available The article provides an image to the point on information provided to consumers before the conclusion of a credit contract, starting with the importance of information and ending with the legal framework. A high consumer protection may be achieved primarily through consumer information. The complexity of banking services but also the vulnerability of consumers in relation to the banks and the unbalanced relationship led to the need to develop specific legislation that clearly establishes the rights and obligations of the parties of a credit agreement for consumers. In this regard, in 2008, after many debates, Directive 2008/48/EC of the European Parliament and of the Council on credit agreements for consumers was adopted. At national level, the Directive was transposed by the Government Emergency Ordinance no. 50/2010 on credit agreements for consumers. Taking into account national specificities, such as lack of experience of consumers in financial products, the irresponsible lending and the unfair practices of creditors, the national act includes wider provisions than the European Directive, such as those relating to fees limitations or those related to the calculation of the variable interest rate. Also the GEO no 50/2010 applies to all credit agreements concluded by consumers and creditors. As regards the advertising, any advertisement shall include a series of standard information. Also, pre-contractual information is standard information, is provided to consumers 15 days before the contract is concluded and is transmitted through the “European Consumer Credit Information sheet Standard”. The article presents when, how and what information should be given to consumers and insists on the importance of annual percentage rate and to what consumers should pay attention in order to be able to compare different offers.

  20. DEVELOPING A WEB-BASED PPGIS, AS AN ENVIRONMENTAL REPORTING SERVICE

    Directory of Open Access Journals (Sweden)

    N. Ranjbar Nooshery

    2017-09-01

    Full Text Available Today municipalities are searching for new tools to empower locals for changing the future of their own areas by increasing their participation in different levels of urban planning. These tools should involve the community in planning process using participatory approaches instead of long traditional top-down planning models and help municipalities to obtain proper insight about major problems of urban neighborhoods from the residents’ point of view. In this matter, public participation GIS (PPGIS which enables citizens to record and following up their feeling and spatial knowledge regarding problems of the city in the form of maps have been introduced. In this research, a tool entitled CAER (Collecting & Analyzing of Environmental Reports is developed. In the first step, a software framework based on Web-GIS tool, called EPGIS (Environmental Participatory GIS has been designed to support public participation in reporting urban environmental problems and to facilitate data flow between citizens and municipality. A web-based cartography tool was employed for geo-visualization and dissemination of map-based reports. In the second step of CAER, a subsystem is developed based on SOLAP (Spatial On-Line Analytical Processing, as a data mining tools to elicit the local knowledge facilitating bottom-up urban planning practices and to help urban managers to find hidden relations among the recorded reports. This system is implemented in a case study area in Boston, Massachusetts and its usability was evaluated. The CAER should be considered as bottom-up planning tools to collect people’s problems and views about their neighborhood and transmits them to the city officials. It also helps urban planners to find solutions for better management from citizen’s viewpoint and gives them this chance to develop good plans to the neighborhoods that should be satisfied the citizens.