WorldWideScience

Sample records for hungary lends army

  1. Hungary.

    Science.gov (United States)

    1986-02-01

    In this discussion of Hungary, attention is directed to the following: geography, people, history, government, political conditions, the economy, foreign relations, defense, and relations between the US and Hungary. In 1985 the population totaled 10.7 million with an annual growth rate of 0.2%. The infant mortality rate is 20.2/1000 live births; life expectancy is 66 years for men and 73.2 years for women. Hungary was a monarchy for almost 1000 years. Its constitutional parliamentary system preceded, by several centuries, the establishment of such Western-style governments in other East European countries. A communist dictatorship seized power in May/June 1947. The Hungarian uprising of 1956, although forcibly suppressed by Soviet armed intervention, gave impetus to long overdue changes and clearly demonstrated the popular will for national identity and internal reform. With the exception of various small businesses with few employees, all economic activity is run by state-owned enterprises or cooperatives. Agriculture has been collectivized. Hungary has rich bauxite mines and provides for most of its coal and natural gas requirements. Introduction of the "new economic mechanism" in 1968 ushered in a period of rapid growth, accompanied by equilibrium in the balance of trade. Yet, in the early 1970s a number of factors combined to blunt the reform effort, and in 1977 government leaders recognized the need for a new reform effort. Hungary is highly dependent on foreign trade, about 50% of which is with other communist countries. Except for the brief and unsuccessful attempt in November 1956 to establish a position and course of neutrality for Hungary, the foreign policy of the Hungarian government has followed closely the Soviet Union since 1947. In recent years, US/Hungarian relations have featured a steady exchange of official visits.

  2. Hungary

    International Nuclear Information System (INIS)

    Jaszay, T.

    1990-01-01

    The economy of Hungary remains intensive in both materials and energy. However, Hungary has the prospect of reducing energy intensity, as well as carbon emissions, by integrating itself with the world economy and introducing modern products and production technologies. This high energy intensity is relatively good news because it means that by changing the production structure, personal income may be increased considerably without necessarily increasing energy use and carbon emissions. The government significantly altered the Hungarian energy economy in 1978 by restricting oil and oil products use and requiring substitution with domestic coal, imported electricity, and natural gas. This decision required investment in energy supply to grow to 40% of all industrial investment by 1986

  3. Hungary

    International Nuclear Information System (INIS)

    Farkas, J.

    1975-01-01

    A report is given of the activities of Hungary in the field of food irradiation. Two new radiation sources were installed at the Central Food Research Institute, Budapest in 1971. A lot of work was done in the field of radiation chemistry, radiation microbiology (radurization of spices and wine, combination treatment of meat products and fruits) and radiation treatment of various commodities such as spices, vegetables, fruits, and fruit juices. Wholesomeness studies of irradiated standard diet and spices were performed in rats. A short review is given of the present status of legislation and marketing. (MG) [de

  4. 77 FR 37265 - Lending Limits

    Science.gov (United States)

    2012-06-21

    ... from derivative transactions, repurchase agreements, reverse repurchase agreements, securities lending... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction...

  5. Direct Lending Works.

    Science.gov (United States)

    Riley, Richard W.

    1997-01-01

    In its third year, direct lending is working well for college students and administration. It is a simpler, faster, more efficient way of getting loan funds to students that cuts out financial middlemen. It helps students manage their finances better when repaying loans, promotes competition, stimulates program innovation, leads to greater…

  6. Country profile: Hungary

    Energy Technology Data Exchange (ETDEWEB)

    1991-09-01

    Country Profile: Hungary has been prepared as a background document for use by US Government agencies and US businesses interested in becoming involved with the new democracies of Eastern Europe as they pursue sustainable economic development. The focus of the Profile is on energy and highlights information on Hungary`s energy supply, demand, and utilization. It identifies patterns of energy usage in the important economic sectors, especially industry, and provides a preliminary assessment for opportunities to improve efficiencies in energy production, distribution and use by introducing more efficient technologies. The use of more efficient technologies would have the added benefit of reducing the environmental impact which, although is not the focus of the report, is an issue that effects energy choices. The Profile also presents considerable economic information, primarily in the context of how economic restructuring may affect energy supply, demand, and the introduction of more efficient technologies.

  7. Hungary country study

    Energy Technology Data Exchange (ETDEWEB)

    Uerge-Vorsatz, D.; Fuele, M. [eds.

    1999-09-01

    Hungary recognises the importance of limiting greenhouse gas emissions in order to prevent or mitigate their impact on the global climate. On an international level, Hungary is not a significant carbon dioxide emitter, neither to the absolute degree nor on a per capita basis. This means that the principal reason for Hungarian participation in emission`s reduction is not perceivable international consequences but solidarity and participation in the common action of the countries of the world. Hungary is a signatory to both the Framework Convention on Climate Change and the Kyoto protocol. However, the (Hungarian) National Environmental Program also emphasises that the fulfilment of international conventions must happen at a level and pace reasonable for Hungary. The goal of this study is to investigate the potentials, costs and implementation strategies of greenhouse gas abatement in Hungary. First presented is a background of Hungary`s economy and a summary of the economic transitions in Hungary. A brief description of the Hungarian energy sector is included, with a short summary of carbon dioxide emissions, and of the Hungarian forestry sector. The following chapter is devoted to the development of baseline scenarios, from bottom-up and top-down perspectives. In the chapter on mitigation, the spectrum of energy efficiency measures in the residential and public sectors is discussed. Fifteen specific measures, whose impact is considered important, are selected and discussed in detail. The cost curves are developed for the discussed mitigation options. Then, we discuss the issues related to the implementation of energy efficiency measures in the Hungarian residential and commercial sectors. After a general background and a framework on the implementation of the energy efficiency measures in the sectors chosen, we elaborate on the practicality of these concepts. As a case study, the concept and the feasibility of carbon/energy taxes are examined. To complete the

  8. Refugee Crisis in Hungary

    DEFF Research Database (Denmark)

    Stoklosa, Katarzyna

    2018-01-01

    Hungary faced a barrage of criticism from various quarters for its lack of support during the 2015/16 refugee crisis. People wondered what had happened to the liberal country that was the first among the Eastern Bloc countries to open its borders to the West, and which had actively assisted GDR...

  9. Hungary : Accounting and Auditing

    OpenAIRE

    World Bank

    2004-01-01

    This report provides an assessment of accounting, financial reporting, and auditing requirements and practices within the enterprise and financial sectors in Hungary using International Financial Reporting Standards (IFRS),International Standards on Auditing (ISA), and the relevant portions of European Union (EU) law (also known as the acquis communautaire) as benchmarks. It also draws on ...

  10. In lands of foreign currency credit, bank lending channels run through?

    OpenAIRE

    Ongena, Steven; Schindele, Ibolya; Vonnák, Dzsamila

    2014-01-01

    We analyze the differential impact of domestic and foreign monetary policy on the local supply of bank credit in domestic and foreign currencies. We analyze a novel, supervisory dataset from Hungary that records all bank lending to firms including its currency denomination. Accounting for time-varying firm-specific heterogeneity in loan demand, we find that a lower domestic interest rate expands the supply of credit in the domestic but not in the foreign currency. A lower foreign interest rat...

  11. 12 CFR 563e.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Lending test. 563e.22 Section 563e.22 Banks and... Assessing Performance § 563e.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings... community development lending criterion. (b) Performance criteria. The OTS evaluates a savings association's...

  12. 12 CFR 25.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... community development lending criterion. (b) Performance criteria. The OCC evaluates a bank's lending performance pursuant to the following criteria: (1) Lending activity. The number and amount of the bank's home... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d...

  13. Lending sociodynamics and economic instability

    Science.gov (United States)

    Hawkins, Raymond J.

    2011-11-01

    We show how the dynamics of economic instability and financial crises articulated by Keynes in the General Theory and developed by Minsky as the Financial Instability Hypothesis can be formalized using Weidlich’s sociodynamics of opinion formation. The model addresses both the lending sentiment of a lender in isolation as well as the impact on that lending sentiment of the behavior of other lenders. The risk associated with lending is incorporated through a stochastic treatment of loan dynamics that treats prepayment and default as competing risks. With this model we are able to generate endogenously the rapid changes in lending opinion that attend slow changes in lending profitability and find these dynamics to be consistent with the rise and collapse of the non-Agency mortgage-backed securities market in 2007/2008. As the parameters of this model correspond to well-known phenomena in cognitive and social psychology, we can both explain why economic instability has proved robust to advances in risk measurement and suggest how policy for reducing economic instability might be formulated in an experimentally sound manner.

  14. Country profile: Hungary

    Energy Technology Data Exchange (ETDEWEB)

    1991-09-01

    Country Profile: Hungary has been prepared as a background document for use by US Government agencies and US businesses interested in becoming involved with the new democracies of Eastern Europe as they pursue sustainable economic development. The focus of the Profile is on energy and highlights information on Hungary's energy supply, demand, and utilization. It identifies patterns of energy usage in the important economic sectors, especially industry, and provides a preliminary assessment for opportunities to improve efficiencies in energy production, distribution and use by introducing more efficient technologies. The use of more efficient technologies would have the added benefit of reducing the environmental impact which, although is not the focus of the report, is an issue that effects energy choices. The Profile also presents considerable economic information, primarily in the context of how economic restructuring may affect energy supply, demand, and the introduction of more efficient technologies.

  15. Acidification policy in Hungary

    International Nuclear Information System (INIS)

    Kovacs, E.

    1992-01-01

    Hungary's policy for air pollution abatement aims to reduce air pollution in cities and industrialised areas, to maintain air quality in relatively 'clean' regions, and to fulfill its obligations to the UN-ECE Convention and Protocols on long-range transboundary air pollution. Emissions of NO x and SO x in Hungary have decreased considerably in the last decade although nitrogen oxide emission from cars has remained unchanged. A catalyst programme is planned to reduce NO x , hydrocarbons and CO emissions. Results of some air pollution monitoring programmes are quoted. Acidification of soils has increased over the last decade. Legislation on air pollution due to be issued in 1992 covers sulphur content of fuels, emission limits, establishing critical loads, and setting up a comprehensive monitoring system. 5 refs., 3 tabs

  16. Monetary transmission and bank lending in Germany

    OpenAIRE

    Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier

    1999-01-01

    This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing their loans portfolio. Most lending categories even show an increase following a monetary tightening. The main implication of our results is that a bank lending channel is not an important transmissio...

  17. Hungary and the Balkans

    Directory of Open Access Journals (Sweden)

    Pap Norbert

    2014-01-01

    Full Text Available As regards the Balkans, Hungary is one of the intermediary regions in Europe. At the same time, the Balkans is the tie-up territory between Turkey, one of the emerging regions today, and Hungary, which aims to cooperate with it. Being a NATO and EU member state it takes part in the geopolitical games that are played between the EU, Russia, the USA and some of the countries of the Islamic world. These dealings fundamentally determine tasks in Hungarian foreign policy, cultural policy, economic policy, security- and defence policy for the forthcoming decades. Hungary acts as a gate between Western Europe and the Balkans. This role used to be more dominant in previous centuries of Hungarian history than it is today, not least because the country's size and strength significantly decreased after the Trianon Treaty. Many of the historical, imperial reflexes have remained, but without any imperial gravity. Today we are just one of the intermediary regions that have relations with the Balkans and form a bridge to Europe. The accelerated alteration in the world order, the BRICS countries and the emergence of some important middle-sized states, such as Turkey, make adaptation inevitable for our country. This is what the policy of 'Eastern opening' is about.

  18. Fusion research in Hungary

    International Nuclear Information System (INIS)

    Zoletnik, S.

    2004-01-01

    Hungarian fusion research started in the 1970s, when the idea of installing a small tokamak experiment emerged. In return to computer equipment a soviet tokamak was indeed sent to Hungary and started to operate as MT-1 at the Central Research Institute for Physics (KFKI) in 1979. Major research topics included diagnostic development, edge plasma studies and investigation of disruptions. Following a major upgrade in 1992 (new vacuum vessel, active position control and PC network based data acquisition system) the MT-1M tokamak was used for the study of transport processes with trace impurity injection, micropellet ablation studies, X-ray tomography and laser blow-off diagnostic development. Although funding ceased in the middle of the 90's the group was held alive by collaborations with EU fusion labs: FZ -Juelich, IPP-Garching and CRPP-EPFL Lausanne. In 1998 the machine was dismantled due to reorganization of the Hungarian Academy of Sciences. New horizons opened to fusion research from 1999, when Hungary joined EURATOM and a fusion Association was formed. Since then fusion physics studies are done in collaboration with major EU fusion laboratories, Hungarian researchers also play an active role in JET diagnostics upgrade and ITER design. Major topics are pellet ablation studies, plasma turbulence diagnosis using Beam Emission Spectroscopy and other techniques, tomography and plasma diagnostics using various neutral beams. In fusion relevant technology R and D Hungary has less records. Before joining EURATOM some materials irradiation studies were done at the Budapest Research Reactor at KFKI-AEKI. The present day fusion technology programme focuses still on irradiation studies, nuclear material database and electromagnetic testing techniques. Increasing the fusion technology research activities is a difficult task, as the competition in Hungarian industry is very strong and the interest of organizations in long-term investments into R and D is rather weak and

  19. Hungary : Corporate Governance Country Assessment

    OpenAIRE

    World Bank

    2003-01-01

    This report assesses the corporate governance policy framework and enforcement and compliance practices in Hungary. Hungary has already invested considerable resources in upgrading its legislation to meet European Union Directives, and the legislative and regulatory framework dealing with corporate governance issues is robust. The major issues identified by this review include: (1) the gen...

  20. 12 CFR 345.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... criterion. (b) Performance criteria. The FDIC evaluates a bank's lending performance pursuant to the... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d... a bank's lending performance as provided in Appendix A of this part. ...

  1. 12 CFR 228.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Lending test. 228.22 Section 228.22 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area...

  2. Monetary transmission and bank lending in Germany

    NARCIS (Netherlands)

    Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier, [No Value

    1999-01-01

    This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing

  3. A New Paradigm for Secure Social Lending

    Science.gov (United States)

    Serrelis, Emmanouil; Alexandris, Nikolaos

    Social Lending is one of the latest trends in Social Networking, offering a communication and financial channel between individual borrowers and lenders. The various Social Lending transaction schemes could be subject to multiple security threats, in both financial and technical terms, which could affect the integrity of the service as well as the trust of citizens. This paper provides an overview of the basic characteristics of Social Lending as well as an analysis the potential security issues suggesting some appropriate corrective measures. The ultimate target is to enforce the Social Lending effort with an information security foundation that could become an appreciable alternative to the "traditional" lending system.

  4. Geothermy in Hungary

    Energy Technology Data Exchange (ETDEWEB)

    Kontra, J.

    1985-06-01

    In Hungary wells producing geothermal water have been in operation since 1890. The economic exploitation of geothermal energy is possible in over 40% of the country due to favorable conditions such as large reserves, high ground pressure and high geothermal gradient. Some 620 wells presently working produce a considerable quantity of energy and thermal water, in most cases using the single well system but more recent operations now incorporate reinjection wells. Hydrotherapy water supply and various industrial uses, such as drying in the agricultural sector, are its most important uses but further uses of thermal energy are being developed especially that of heating buildings where it could replace other energy sources. Sufficient investment could see an expanding tourist industry based on the recognized therapeutic properties of these mineral waters.

  5. Women Technical Graduates in Hungary.

    Science.gov (United States)

    Turi, Zsuzsa Frank

    1980-01-01

    Reports on the evolution, since 1945, of the woman's role in science and technology in the Central European nation of Hungary. The report is presented by nine women who are scientists and engineers. (SA)

  6. Monitoring Costs and Multinational-Bank Lending

    OpenAIRE

    Ralph de Haas

    2006-01-01

    We use a two-country model to examine how endogenous changes in monitoring intensity and exogenous changes in monitoring efficiency affect multinational-bank lending. First, an endogenous decline in monitoring intensity limits the amount of deposits that banks can attract. This lowers bank lending. Shocks that reduce bank capital relative to firm capital therefore have a stronger negative effect on bank lending compared to a model with exogenous monitoring intensity. Second, international dif...

  7. Environmental radioactivity in Hungary

    International Nuclear Information System (INIS)

    Kovacs, J.; Predmerszky, T.

    1979-01-01

    A comprehensive examination of radioactive contamination in air, soil, surface waters and food products, and of natural radioactiviy in air, soil, and building materials has been carried out. The investigated factors were as follows: a) air samples: yearly and monthly beta- and gamma activities of fallout, precipitation and aerosols in the period 1955-1976 in Budapest and some other towns; b) soil samples: 90 Sr concentration of soils of different quality and cultivation originating from sixteen regions of Hungary measured in the period 1974-1976; c) surface waters: annual mean beta activity of five rivers and of the Lake Balaton in the period 1965-1976, 3 H, 137 Cs and 90 Sr activity of the Danube in the year 1976; d) food products: radioactive contamination of spinach, lettuce and oxalis, originating from three different regions in the period 1959-1976 and mean radioactivity of fodder, corn, tobacco, milk, fish and animal bones in a period of 5-10 years; e) natural radioactivity: radon- and toron concentration of air, activity of 226 Ra fallout of the soil in the vicinity of power plants, 226 Ra, 228 Th and 40 K activity of different building materials, radiation doses inside buildings constructed by different technics. (L.E.)

  8. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...... channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...

  9. Occupational health nursing in hungary.

    Science.gov (United States)

    Hirdi, Henriett Éva; Hong, OiSaeng

    2014-10-01

    This article is the first about occupational health nursing in Hungary. The authors describe the Hungarian health care and occupational health care systems, including nursing education and professional organizations for occupational health nurses. The Fundamental Law of Hungary guarantees the right of every employee to healthy and safe working conditions, daily and weekly rest times and annual paid leave, and physical and mental health. Hungary promotes the exercise of these rights by managing industrial safety and health care, providing access to healthy food, supporting sports and regular physical exercise, and ensuring environmental protection. According to the law, the responsibility for regulation of the occupational health service lies with the Ministry of Human Resources. Safety regulations are under the aegis of the Ministry of National Economy. Copyright 2014, SLACK Incorporated.

  10. Computer Simulation Lends New Insights Into Cyanide-Caused Cardiac Toxicity

    Science.gov (United States)

    2004-12-01

    current, ICl,sw is needed to terminate VF. There are several drugs that block ICl,sw. 5. DISCUSSION Exposure to CN has immediate consequences ...the search on the requirements on the means of pharmacological intervention to counter the effect of cyanide-caused cardiac toxicity . Of special...COMPUTER SIMULATION LENDS NEW INSIGHTS INTO CYANIDE-CAUSED CARDIAC TOXICITY C.K. Zoltani* U.S. Army Research Laboratory Computational and

  11. Dynamic Incentives in Microfinance Group Lending

    Directory of Open Access Journals (Sweden)

    Naveen Kumar K

    2012-04-01

    Full Text Available One of the most essential tools of poverty reduction would be the viable expansion of institutional credit facilities to large sections of the people who neither have adequate collateral nor credit history to secure a loan. In this backdrop, social collateral is popularized through the group lending programs to address the credit market problems. Microfinance through group lending is acting as a screening device; the joint liability mechanism creates incentives for internal monitoring. Hence, it has received a lot of attention from policy makers as well as academicians. It is playing an important role in delivering financial services to the “socially and economically excluded” poor, in general, and women, in particular. The group lending works with various dynamic incentives. One such kind is principle of progressive lending and it plays a vital role in sustaining the groups for the persistent delivery of microfinance services to its members. In progressive lending, a typical borrower receives very small amounts at first, which increases with good repayment conduct or it links new, larger loans to past repayment. This article explores possible theoretical and empirical relationship between progressive lending and its determinants in group lending approach. The primary survey was conducted in 10 villages covering 106 self-help groups and 318 members in Karnataka, India. The empirical results show the progressive lending amount rising up to 698% of the initial loan of the self-help groups.

  12. 76 FR 43385 - Lending and Investment

    Science.gov (United States)

    2011-07-20

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

  13. 76 FR 28504 - Lending and Investment

    Science.gov (United States)

    2011-05-17

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

  14. 12 CFR 704.7 - Lending.

    Science.gov (United States)

    2010-01-01

    ... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... analyzing the financial and operational soundness of the borrower and the ability of the borrower to repay...

  15. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

    The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…

  16. 76 FR 18007 - Intermediary Lending Pilot Program

    Science.gov (United States)

    2011-04-01

    ..., which are referenced in the Act's legislative history as bases for the ILP program. Requiring ILP... delinquency by an Eligible Small Business Concern. Finally, ILP Intermediaries will incur some costs of... loan request, lending history, projected lending activity, information regarding current or previous...

  17. Army Technology

    Science.gov (United States)

    2015-02-01

    that allows them to perform applied research under the Institute for Biotechnology research team 1 2 3 20 | ARMY TECHNOLOGY MAGAZINE ...DASA(R&T) Deputy Assistant Secretary of the Army for Research and Technology Download the magazine , view online or read each individual story with...Army photo by Conrad Johnson) Front and back cover designs by Joe Stephens EXECUTIVE DEPUTY TO THE COMMANDING GENERAL Army Technology Magazine is an

  18. LENDING IN FOREIGN CURRENCY AND CURRENT CHALLENGES AT EUROPEAN LEVEL

    Directory of Open Access Journals (Sweden)

    ȘARGU Alina Camelia

    2012-12-01

    Full Text Available In recent years, most countries in Central and Eastern Europe, Member States of the EU, that we selected for the analysis (Bulgaria, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Romania have recorded a significant expansion of lending in foreign currency, which was one of the major factors of the accelerated growth of loans to economy. Such developments have led to an increase of indebtedness in foreign currency of the non-financial private sector, especially of the households and of the accumulation of major macroeconomics and financial imbalances. The issue of lending in foreign currency, the determinants of increasing the share of loans in foreign currency and the risks generated at the level of financial stability are the subject of numerous studies, including: Basso, Calvo-Gonzales and Jurgilas (2007; Rosenberg and Tirpak (2008; Csajbók-Andras et al. (2010; Zettelmeyer, Nagy and Jeffrey (2010. Another significant issue addressed in the specialized literature regarding foreign currency loans refers to the role of monetary policy in limiting growth of these loans. Thus, in addition to those noted studies we remark other studies, such as: Kiss et al. (2006; Sirtaine and Skamnelos (2007; Hilbers et al. (2006; Brzoza-Brzezina et al. (2010. Our paper complements the specialized literature on the approached subject, in particular, by highlighting and discussing current issues of high interest for policymakers, both at national and European level regarding lending in foreign currency. The extremely negative implications of lending in foreign currency on financial stability in most countries under review, outlined clearly in the context of the current crisis, determined the focus of the policymakers concern, both at European and national level, regarding the issue of foreign currency loans, which became one of the most discussed issues on the agenda of the monetary-financial authorities. The aim of our research is to

  19. Nod of Approval For Black Lending

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Private lending, once obscure and operated underground, gets an unofficial go-ahead from the Central Government When it comes to underground or black market lending, a major source of financing for small and medium-sized business owners, the Chinese Government had taken much the same approach as a legendary hero combating a mythological hydra:decapitating the many heads in an effort to slay the beast. Even now, as the government steps up efforts to tighten credit, the heads of the underground lending realm are sprouting up as fast as they are being cut off,

  20. Release from 'prison' in Hungary

    Directory of Open Access Journals (Sweden)

    Nagy Anita

    2015-01-01

    Full Text Available In my study I introduce the Hungarian conditional release and presidential pardon and new compulsory presidential pardon system. This study is based on research carried out in the Ministry of Justice at the Pardon Department in which I analyzed several dozen petition pardons. In connection with the new compulsory presidential pardon I examined the judgment of the European Court of Human Rights, which has condemned Hungary because of its adoption of real (whole life imprisonment.

  1. Exchange rate smoothing in Hungary

    OpenAIRE

    Karádi, Péter

    2005-01-01

    The paper proposes a structural empirical model capable of examining exchange rate smoothing in the small, open economy of Hungary. The framework assumes the existence of an unobserved and changing implicit exchange rate target. The central bank is assumed to use interest rate policy to obtain this preferred rate in the medium term, while market participants are assumed to form rational expectations about this target and influence exchange rates accordingly. The paper applies unobserved varia...

  2. Reforming health care in Hungary.

    Science.gov (United States)

    Császi, L; Kullberg, P

    1985-01-01

    Over the past two decades Hungary has initiated a series of social and economic reforms which have emphasized decentralization of control and the reintroduction of market mechanisms into the socialized economy. These reforms both reflect and reinforce a changing social structure, in particular the growing influence of upper class special interest groups. Market reforms are an expression of concurrent ideological shifts in Hungarian society. We examined the political significance of three recent proposals to reform health services against the backdrop of broader social and economic changes taking place. The first proposes a bureaucratic reorganization, the second, patient co-payments, and the third, a voucher system. The problems each proposal identifies, as well as the constituency each represents, reveal a trend toward consolidation of class structure in Hungary. Only one of these proposals has any potential to democratize the control and management of the heath care system. Moreover, despite a governmental push toward decentralization, two of these proposals would actually increase centralized bureaucratic control. Two of the reforms incorporate market logic into their arguments, an indication that the philosophical premises of capitalism are re-emerging as an important component of the Hungarian world-view. In Hungary, as well as in other countries, social analysis of proposed health care reforms can effectively illuminate the social and political dynamics of the larger society.

  3. 12 CFR 34.62 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

  4. Lending behavior of multinational bank affiliates

    Directory of Open Access Journals (Sweden)

    Alexis Derviz

    2011-03-01

    Full Text Available We study the parent influence on lending by affiliates of a multinational bank. In the proposed theoretical model, local lending is influenced by shareholder-affiliate manager delegation and precautionary motives. The outcome is either contagion (the loan volume in the affiliate follows the direction of the parent bank country shock or performance-based reallocation of funds (substitution, depending on the degree of manager delegation in the affiliate and the liquidity-sensitivity in theparent bank. Empirical investigation, deliberately conducted on a sample not covering the latest financial crisis, shows that also in “normal” times, multinational banks that are likely to delegate lending decisions or be more liquidity-sensitive are more inclined towards contagionist behavior.

  5. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

    Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

  6. Geothermal country report of Hungary

    International Nuclear Information System (INIS)

    Ottlik, P.

    1990-01-01

    There is a slow but steady increase in the number of geothermal wells in Hungary. The rate of increase is 3-5 new wells/year. In the last years technical development and the raising of efficiency came to the front in utilization of geothermal energy. Technical development is supported by the state. This paper reports that the main directions were: developing a pump suitable for Hungarian conditions, working out the model of sandy and karstic aquifers for simulation and prediction, and developing new chemicals and methods for treating thermal water

  7. Plant life management in Hungary

    International Nuclear Information System (INIS)

    Gillemot, F.

    1998-01-01

    The life management in Hungary is in an early stage. The preparation of a suitable database, development of maintenance systems and education of the plant and consultant staff is essential. The Act of Nuclear Safety, the introduction of the 10 years periodic safety review system (periodic licence extension) is a good basis for life management. At the same time the economic changes in the country make the life management difficult. Presently most important task is to prepare the technical environment and the methodology for NPP Life management, and within a few years, when the economy would be consolidated, a real life management will be performed

  8. Information from Relationship Lending : Evidence from China

    NARCIS (Netherlands)

    Chang, C.; Liao, G.; Yu, X.; Ni, Z.

    2009-01-01

    We study the economic role of banks’ soft information, which evolved from repeated lending relationships, in the context of loan default. Using a proprietary database from one of the largest state-owned commercial banks in China, we find that the bank’s internal credit rating scores play a

  9. Bargaining power and information in SME lending

    NARCIS (Netherlands)

    J. Grunert (Jens); L. Norden (Lars)

    2012-01-01

    textabstractSmall- and medium-sized enterprises (SMEs) are informationally opaque and bank dependent. In SME lending, banks largely rely on soft information, because the scale and scope of hard information are limited. We analyze whether and how hard and soft information affects the borrower's

  10. 76 FR 18354 - Truth in Lending

    Science.gov (United States)

    2011-04-04

    ... extent that a creditor imposed charges that were inconsistent with Regulation Z while the account was... amounts charged during the period the account was exempt or to provide disclosures regarding transactions...) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit...

  11. 31 CFR 800.303 - Lending transactions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... the creation in the foreign person of a secured interest in securities or other assets of the U.S...

  12. What Truth in Lending Means to You.

    Science.gov (United States)

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

    Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…

  13. Lending Behavior of Multinational Bank Affiliates

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis; Podpiera, J.

    2011-01-01

    Roč. 1, č. 1 (2011), s. 19-36 ISSN 2077-429X Institutional research plan: CEZ:AV0Z10750506 Keywords : Multinational bank * Contagion * Substitution * Agency Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2011/E/derviz-lending behavior of multinational bank affiliates.pdf

  14. 76 FR 11319 - Truth in Lending

    Science.gov (United States)

    2011-03-02

    ... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... Final Rule Congress enacted TILA based on findings that economic stability would be enhanced and... Economic Recovery Act of 2008 (HERA), also provides that its principal obligation limitations are subject...

  15. 75 FR 81836 - Truth in Lending

    Science.gov (United States)

    2010-12-29

    ... the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and... MDIA is contained in Sections 2501 through 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic...

  16. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

    This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experien...

  17. Army dreamers.

    Science.gov (United States)

    1988-05-14

    The birth of the Army Nursing Service took place in 1854, when Florence Nightingale, at the request of the Secretary of State for War, recruited and took to Scutari Hospital 38 women to tend the wounded of the Crimean war.

  18. [Cloning and law in Hungary].

    Science.gov (United States)

    Julesz, Máté

    2015-03-01

    Reproductive human cloning is prohibited in Hungary, as in many other countries. Therapeutic human cloning is not prohibited, just like in many other countries. Stem cell therapy is also allowed. Article III, paragraph (3) of the Hungarian basic law (constitution) strictly forbids total human cloning. Article 1 of the Additional Protocol to the Oviedo Convention, on the Prohibition of Cloning Human Beings (1998) stipulates that any intervention seeking to create a human being genetically identical to another human being, whether living or dead, is prohibited. In Hungary, according to Article 174 of the Criminal Code, total human cloning constitutes a crime. Article 180, paragraph (3) of the Hungarian Act on Health declares that embryos shall not be brought about for research purposes; research shall be conducted only on embryos brought about for reproductive purposes when this is authorized by the persons entitled to decide upon its disposal, or when the embryo is damaged. Article 180, paragraph (5) of the Hungarian Act on Health stipulates that multiple individuals who genetically conform to one another shall not be brought about. According to Article 181, paragraph (1) of the Hungarian Act on Health, an embryo used for research shall be kept alive for not longer than 14 days, not counting the time it was frozen for storage and the time period of research.

  19. Hungary as an aging society.

    Science.gov (United States)

    Blasszauer, B; Hazafi, K

    1994-12-01

    The authors describe the situation of the aged in Hungary, with a particular focus on the medical and ethical problems that health professionals have to face. The so-called post-communist transitional period is characterised by both economic and moral crisis. The country has a serious foreign debt problem as well as high rate of unemployment and crime, a considerable price inflation, and the pauperisation of the people, particularly among the old. The old are defined as those who have reached retirement age, which is 55 for women and 60 for men. Hungary lacks the kind of incentives that would provide good reasons to live much beyond the age of 60. There is neither a suitable culture for old age nor economic security, and this seriously undermines the independence and autonomy of the old. Neither family nor institutional care for the elderly is adequate. Although over 20 per cent of the population are retired, they are not organized as a political power that would effectively represent them. The health care system is in crises and the elderly suffer the most because of it. Therapeutic nihilism and both over-treatment and under-treatment of the aged is common. Among the old, the suicide rate is high. Because of a lack of funds, an inadequate number of experts, indifference to rehabilitation, and the infrequent use of technological interventions, home and institutional care are inadequate. There are no public debates on setting priorities or allocating limited resources. There are, however, high hopes for the success of a market economy, privatization, and well-functioning democracy.(ABSTRACT TRUNCATED AT 250 WORDS)

  20. 12 CFR 208.51 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

  1. 12 CFR 365.2 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS § 365.2 Real estate lending standards. (a) Each insured state... extensions of credit that are secured by liens on or interests in real estate, or that are made for the...

  2. Regionalism on the example of Hungary

    Directory of Open Access Journals (Sweden)

    Kovač Terez

    2002-01-01

    Full Text Available This paper is about the processes of association with the EU in which Hungary took place, and about the demands that should have been fulfilled. It is shown, on the example of Hungary, what progress has taken place in the last 15 years in the area of establishing of regional science and what sort of conclusion can be made for Yugoslavia. The author also deals with the possible functions of sociology in regional research.

  3. Army Science and Technology Master Plan, Fiscal Year 1997 - Volume 2.

    Science.gov (United States)

    1996-12-01

    areas. Microbiology, physiology, and pharmacology are essential sciences in the production of fermented and processed foods (bread, yogurt , beer, wine...engineering) are of significant interest to the U.S. Army, and include production of the material (including cell culture and fermentation ), downstream...remains strong in targeted delivery (associated with MOD laboratories). Hungary has an established capability in production of fermenters . Remediation

  4. The Role of Army Railroading at the Operational Level of War

    Science.gov (United States)

    1989-05-15

    Denmar China France Indonesia German,, Iran Greece Iraq Hungary Israel Italy Japan Latvia V< orea Li thuani a Lebanon Lu>c emo our g Saudi Arabia...Battalion -.. Pecan Street Jacksonville, Florida 7-2211-8719 Captain Horam Simpk ins U.S. Army Logistics Center ATTN: ATCL-E Fort Lee, Virginia 28:1

  5. Ensuring Economic Security in Lending Sphere

    Directory of Open Access Journals (Sweden)

    Ivan Vadimovich Kochikin

    2016-06-01

    Full Text Available Relevance of the topic is determined by the need for sustainable development of the country’s banking system, capable of ensuring the process of raising funds to producers and the public for their projects. One of the implementation of this objective is to discourage unfair behavior in financial markets. Trust is a key factor in the development of financial markets, therefore it is necessary to suppress the appearance of unfair practices and participants – black creditors, falsification of financial statements, trading on insider information and market manipulation. It requires a whole range of activities, and above all ensuring the inevitability and proportionality of punishment for unscrupulous players, the introduction of requirements for the business reputation of the management of financial institutions.The article is devoted to structuring legal violations in the lending sphere. The analysis of indicators of credit organizations in Russia was conducted to fulfill this aim. This analysis revealed the causes of sustainable growth of overdue accounts payable – job cuts in enterprises, violations in the financial sector, various errors in the credit granting / raising. The authors carry out the systematization and classification of offenses in the area of lending, provide examples, as well as factual material illustrating the violations in the lending process having the characteristics of a fraud. The article substantiates the obligations of employees of the credit institution, in the result of which risks of granting credit to fraudsters can be reduced. The methods of fraud prevention should include the identified methods of protection against fraud in the area under consideration – exchange of information by banks associated with the criminal intentions of customers; technology development and technical support, training, and personnel responsibilities.

  6. [Migration of dentists within Hungary].

    Science.gov (United States)

    Balázs, Péter

    2010-09-01

    Concerning the human resource management in the health care, Hungarian analysts focus mainly on cross-national migration, which was instigated considerably by joining the European Union in 2004. Contrasted to other health care professionals, dentists emphasized also the importance of in-country migration (mobility) indicating serious dangers of developing inequalities in the dental service. From the point of view of health system planning, the main problem is to balance the needs and the number of professionals in regions and areas with extremely different socio-economic conditions. Under dictatorial governments, this "balancing" (which was experienced also in Hungary) is a forced allocation of young professionals to the target regions. In political freedom and free market economy, these measures are unthinkable. The present domestic area distribution, concerning also the supply through vacancies by old age inactivity and cross-national migration, is ruled by personal decisions of actually graduated and immigrant professionals respectively. Therefore, it is unavoidable to investigate the interrelation of factors (dentists' births place, study migration and decisions for practice allocation) ruling the in-country geographic patterns of dental practices. This evidence-based knowledge can only explain the present situation and provide guidelines for health policy decision makers.

  7. In Lands of Foreign Currency Credit, Bank Lending Channels Run Through? The Effects of Monetary Policy at Home and Abroad on the Currency Denomination of the Supply of Credit

    OpenAIRE

    Steven Ongena; Ibolya Schindele; Dzsamila Vonnak

    2014-01-01

    We analyze the differential impact of domestic and foreign monetary policy on the local supply of bank credit in domestic and foreign currencies. We analyze a novel, supervisory dataset from Hungary that records all bank lending to firms including its currency denomination. Accounting for time-varying firm-specific heterogeneity in loan demand, we find that a lower domestic interest rate expands the supply of credit in the domestic but not in the foreign currency. A lower foreign interest rat...

  8. Army TLS

    Science.gov (United States)

    2014-12-10

    Fast Deflation Device Tether marking Pennants Balloon / Tether marking LED Flashing light Loading Ramps Customized Trailer for transportation and Field...amount of xtra lift that permits the ballon to rise (if Res_Lift = 0, balloon is at equilibrium) RL = NL – Payload – Tether Payload: the weight of...Army TLS The TLS uses tethered aerodynamic blimps and precision-powered winches to loft one or more specialty-designed meteorological payloads that

  9. Schools and communities in Hungary

    Science.gov (United States)

    Hunyady, Susan

    1980-09-01

    The democratic reform of public education in Hungary after the Second World War brought about a system which now includes Day-Care from the ages of 4-6 and compulsory Elementary School education up to the age of 16. A high proportion of students go on to Secondary education in vocational schools, special schools or grammar shools. The system is supplemented by career-counselling and provision for children with difficult home-backgrounds and for the mentally-retarded. District Councils are responsible for the schools in their areas and for the zoning that determines which schools children should attend. The environment of a school has a strong influence not only upon the standard of its facilities and the quality of its staff but also upon the function it is expected to fulfil in the community. Achievement is directly related to the degree of urbanization, but the increasing participation of farming-co-operatives in education in rural areas promises well for the development of better facilities and mutual understanding there. Housing estates in high-density residential areas make special demands which are being met in different ways. The role of the school in general is being expanded to include children's leisure time activities; at the same time factories are making a significant contribution locally through vocational guidance, financial help, and training-for-work programmes. Councils are implementing the requirements of public education resolutions to integrate school education into the whole scheme of public education, co-ordinating the activities of all social and cultural institutions, and developing new multi-functional complexes, to give a more effective and efficient service to the whole community.

  10. Appraisal of Priority Sector Lending by Commercial Banks in India

    OpenAIRE

    C Bhujanga Rao

    2014-01-01

    This report provides an overview of the performance of priority sector lending by commercial banks in India. The review captures the changing contours of Reserve Bank of India policy on priority sector advances. The paper analyses the trends in priority sector lending for the period 1995-2011, the burden of non-performing assets of commercial bank in priority sector lending and the extent to which priority sector targets are achieved by individual banks. It is observed that the scheduled comm...

  11. Monetary transmission and bank lending in the Netherlands

    OpenAIRE

    Kakes, Jan

    1998-01-01

    This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use to offset monetary shocks. The main implication of our study is that a bank lending channel is not likely to be an important transmission mechanism of monetary policy.

  12. The Development of a Lifelong Guidance System in Hungary

    Science.gov (United States)

    Watts, A. G.; Borbely-Pecze, Bors Tibor

    2011-01-01

    The development of a lifelong guidance system in Hungary Systematic work is currently being undertaken in Hungary to develop a lifelong guidance system, in line with principles outlined by leading international organisations. The origins of career guidance in Hungary, and the nature of the current career guidance system, are outlined. The main…

  13. On US politics and IMF lending

    DEFF Research Database (Denmark)

    Andersen, Thomas Barnebeck; Harr, Thomas; Tarp, Finn

    2006-01-01

    The political factors shaping IMF lending to developing countries have attracted attention in recent empirical work. This goes in particular for the role and influence of the US. However, scant formal modelling makes interpretation of empirical results difficult. In this paper, we propose a model...... in which the US acts as principal within the IMF and seeks to maximize its impact on the policy stance of debtor countries. We derive an optimal loan allocation mechanism, which leads to the testable hypothesis that the probability of an IMF loan is increasing in the amount of political concessions...... countries make. A political concession is defined as the distance between a country's bliss point and its actual policy stance measured relative to the US. We introduce a bliss-point proxy and demonstrate that our hypothesis is strongly supported in the data. Moreover, we show that not accounting for bliss...

  14. Monetary Expansion and the Banking Lending Channel.

    Science.gov (United States)

    Tabak, Benjamin Miranda; Moreira, Tito Belchior Silva; Fazio, Dimas Mateus; Cavalcanti, André Luiz Cordeiro; Cunha, George Henrrique de Moura

    2016-01-01

    This paper examines the bank lending channel, which considers how monetary authority actions affect the variation of loans. We focus on the BRICS (Brazil, Russia, India, China and South Africa) totalizing 1254 banks from five countries in the period 2000-2012 (totalizing 13 years). The empirical results show that the effect of money supply growth on the growth of loans is non-linear and inverted U-shaped. In this context, our results show empirical evidence expansionary monetary policies do not increase the propensity of economic agents to systematically take greater risks on the market. After a certain level of money stock, increases in the money supply do not lead to increased negotiated credit.

  15. Humane Orientation and Corruption in Bank Lending

    Directory of Open Access Journals (Sweden)

    Siwapong Dheera-aumpon

    2017-12-01

    Full Text Available Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural dimensions than Hofstede’s. Using the data covering more than 3000 firms in 32 countries, this paper finds that humane orientation increases the corruption of bank officials. The effect of humane orientation on the corruption of bank officials is not only statistically significant but also economically relevant. The magnitude of its effect is relatively comparable to that of collectivism.

  16. An Analysis of European Online micro-lending Websites

    OpenAIRE

    Arvind Ashta; Djamchid Assadi

    2009-01-01

    Purpose of the paper: With the development of web 2.0, a new kind on lending is taking place on the internet, termed peer to peer lending or social lending. In Europe, this includes commercial lending websites such as Zopa, smava, boober, Kokos, Monetto. At the same time, following the lead of Kiva in the US, European microcredit web platforms are coming up including MyC4 and Babyloan in Europe. The paper examines how the legal design of the online websites differs from the microcredit websit...

  17. A Method for Accounting for Risk in Lending

    National Research Council Canada - National Science Library

    Kobylski, Gerald

    1997-01-01

    ..., or decreased to increase competitiveness? Many lending institutions, specifically furniture retailers, do not use scientific methods for determining their risk of payment defaults on loans to customers...

  18. Climate and Energy Policy in Hungary

    Directory of Open Access Journals (Sweden)

    Maria Csete

    2012-02-01

    Full Text Available The energy problem has been redefined as one of the most important elements of sustainable development by climate change, adaptation and mitigation. Meeting energy needs is always a current issue in Hungary, irrespective of climate change because of the country’s high dependency on oil and gas imports, limited opportunities to replace them with domestic production, and the pollution associated with using fossil energy sources. Increasing effectiveness and saving energy can provide relatively short-term solutions with bearable costs and a relatively quick return on investment. The aim of the present paper is to give an overview about the climate and energy policy in Hungary with a special focus on the new energy strategy. Energy policy has a pivotal role in the economic recovery plan of the Hungarian government. The National Energy Strategy 2030 taking shape in Hungary takes climate policy into account with respect to adaptation and mitigation and lists renewable energy sources as the second most important tool for achieving strategic goals. As in most countries, it is also possible in Hungary to introduce climate strategy measures with zero social costs. The expedient management of climate change requires the combination of prevention, adaptation and dissemination initiatives. Strategies must meet a dual requirement: they must face the economic risks associated with premature measures, while also considering the adverse effects of delay.

  19. Hungary Higher Education Quality Assurance System

    Directory of Open Access Journals (Sweden)

    Che Ru-shan

    2013-07-01

    Full Text Available Higher education quality assurance system has drawn much attention since 1980s. Most countries are committed to build the higher education quality assurance system to meet international standards. Under such an international trend, Hungary also actively promotes higher education reform, and established Hungarian Accreditation Committee and in order to ensure the quality of higher education.

  20. A Second Chance School in Hungary

    Science.gov (United States)

    Limbacher, Laszlo

    2008-01-01

    Hungary's "Belvarosi Tanoda" Secondary School offers an informal, flexible environment and alternative teaching methods for students who have had problems in other schools. The "Belvarosi Tanoda" (which translates as downtown school) is a second chance school for students who have dropped out of upper secondary education. It…

  1. Rapid restoration after lignite mining in Hungary

    Energy Technology Data Exchange (ETDEWEB)

    1988-06-01

    The 30th anniversary of the commencement of large scale lignite production by opencast mining in Hungary was celebrated in 1987. A process of rapid technical and biological reclamation without the use of humus has now been developed. The costs involved are only 5-10% of those of conventional methods and reclamation cycle is four years compared to ten years for conventional methods.

  2. Irradiation preservation of food in Hungary

    International Nuclear Information System (INIS)

    Kiss, I.

    1993-01-01

    An overview is presented of the food irradiation activities in Hungary for preservation purposes. A historical background of this technology is given, and the present practice is outlined. Several food species are presently treated with Co-60 gamma-irradiation for their radurization. (R.P.)

  3. Lending Video Game Consoles in an Academic Library

    Science.gov (United States)

    Buller, Ryan

    2017-01-01

    This paper will outline the process and discussions undertaken at the University of Denver's University Libraries to implement a lending service providing video game consoles. Faculty and staff at the University Libraries decided to pursue the new lending service, though not a traditional library offering, to support the needs of a video game…

  4. Debt maturity and relationship lending: An analysis of European SMEs

    NARCIS (Netherlands)

    Hernandez-Canovas, G.; Koeter-Kant, J.

    2008-01-01

    This article examines the association between bank debt maturity and relationship lending using a unique survey sample of 3366 SMEs from 19 European countries. The knowledge of how the institutional environment shapes relationship lending helps us to understand how current institutional changes,

  5. Home-mortgage lending trends in New England in 2010

    OpenAIRE

    Ana Patricia Muñoz

    2012-01-01

    This brief analysis of home-mortgage lending trends in New England is based on data collected under the Home Mortgage Disclosure Act (HMDA). HMDA provides information on mortgage lending trends and includes data by loan purpose, type of loan, income, and the race and ethnicity of borrowers. In this report we focus on home-purchase and refinance loans in New England.

  6. 13 CFR 120.150 - What are SBA's lending criteria?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are SBA's lending criteria... Policies Applying to All Business Loans Credit Criteria for Sba Loans § 120.150 What are SBA's lending... depth of management; (c) Strength of the business; (d) Past earnings, projected cash flow, and future...

  7. Monetary transmission and bank lending in the Netherlands

    NARCIS (Netherlands)

    Kakes, Jan

    1998-01-01

    This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use

  8. Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing

    NARCIS (Netherlands)

    Beck, T.H.L.; Ioannidou, V.; Schäfer, L.

    2012-01-01

    Abstract: Do domestic and foreign banks differ in their lending techniques and loan pricing models? Are such differences driven by different clienteles? Using a sample of firms that borrow from both domestic and foreign banks in the same month, we show significant differences in lending techniques

  9. E-book lending in digital libraries: systematic review

    Directory of Open Access Journals (Sweden)

    Mehdi Alipour-Hafezi

    2016-12-01

    Full Text Available The purpose of this study is systematic review of e-book lending in digital libraries in order to identify the status of researches in e-book lending, exist research gaps, and their research methods. In this way, systematic review is used for study. Searching in databases in three steps finally showed 36 research resources to be studied. Findings demonstrate that researches on e-book lending are in progress and at the future this domain will be in the spotlight. Also findings showed that subjects such as e-book lending, business models and status of laws in e-book lending are the main fields that need more researches. Moreover study on research methods showed that most of the researches had done by quantitative approach and survey method.

  10. Administration: Army Congressional Fellowship Program

    National Research Council Canada - National Science Library

    2000-01-01

    This printing publishes a new Army Regulation. This regulation presents the policies and procedures under which the Army manages the Army Congressional Fellowship Program and supplements applicable Department...

  11. CHALLENGES AROUND DIGITAL BOOK LENDING LIBRARY

    Directory of Open Access Journals (Sweden)

    Julio Alonso-Arévalo

    2015-03-01

    Full Text Available The development and expansion of the global market for electronic books and associated models to lending library are still in a developmental state and uncertainty. After a first stage in which major publishers refused to sell licenses loan at present publishers are putting more e-book titles available to libraries, although with some restrictions. The dominant trend is moving inexorably towards greater availability and access to digital titles to libraries. Once this stage about the limited availability of titles are pending other matters as the issue of licensing costs, with different rates offered to the public, which are increased in some cases up to three or more sometimes the retail price, which further complicates the procurement processes for libraries in a time when budgets are limited, hampering the ability of libraries to acquire adequate collection of digital products. Among other issues, technological and commercial that limit many uses they had libraries in the analog context, ownership and possession of the collection, the same stability, portability across platforms, and the difficulties associated with DRM systems digital rights management.

  12. Army medical imaging system: ARMIS

    International Nuclear Information System (INIS)

    Siedband, M.P.; Kramp, D.C.

    1987-01-01

    Recent advances of stimulable phosphor screens, data cards using optical storage means, and new personal computers with image processing capability have made possible the design of economical filmless medical imaging systems. The addition of communication links means that remote interpretation of images is also possible. The Army Medical Imaging System uses stimulable phosphor screens, digital readout, a small computer, an optical digital data card device, and a DIN/PACS link. Up to 200 images can be stored in the computer hard disk for rapid recall and reading by the radiologist. The computer permits image processing, annotation, insertion of text, and control of the system. Each device contains an image storage RAM and communicates with the computer via the small computer systems interface. Data compression is used to reduce the required storage capacity and transmission times of the 1-mB images. The credit card-size optical data cards replace film and can store 12 or more images. The data cards can be read on an independent viewer. The research is supported by the U.S. Army Biomedical Research and Development Laboratory

  13. LENDING STRUCTURE AND MARKET RISK EXPOSURES: THE MALAYSIAN CASE

    Directory of Open Access Journals (Sweden)

    Aisyah Abdul Rahman

    2009-01-01

    Full Text Available This study addresses the linkages between lending structure and market risk exposure. The influence of lending structure is analysed by four measures: the real estate lending, the specialisation index, the short-term lending stability, and the medium-term lending stability. Our findings show that lending structure to some extent affects the market risk exposure to some extend. At the same time, listed bank holding companies showed higher levels of market risk during and after the 1997 Asian financial crisis. Meanwhile, the desired effect of bank mergers in terms of reducing market risk exposure did not materialise in this study. Thus, the findings of this study posits at least two implications; (1 policy makers should react accordingly in the decision-making process towards achieving the expected result of the monetary policy transmission mechanism, and (2 banks and investors should account the impact of lending structures in addition to the significance effect of loan expansion and management efficiency when determining market risk exposure of bank holding companies.

  14. MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rofikoh Rokhim

    2014-10-01

    Full Text Available AbstractThis study examines the influencing macro economics factor in lending distribution and observes the comparison of each factor based on lending type which are investment, working capital and domestic consumption lending. Using data of Indonesian commercial banks between 2003-2011 and a balanced panel method, it finds that bank liquidity and inflation rate have significant negative effect, while number of banks has strong positive influence to stimulate lending distribution. Moreover, saving rate and GDP growth were found not meaningfully contributed to change investment lending distribution, but they significantly influenced the other lending distribution. Lastly, reserve requirement and exchange rate did not significantly influence all lending type.Keywords: Loan, interest rate, growth, GDP.JEL Classification Numbers: G21, E43, E51AbstrakStudi ini meneliti faktor ekonomi makro yang mempengaruhi distribusi pinjaman dan mengamati perbandingan masing-masing faktor berdasarkan jenis pinjaman yaitu pinjaman investasi, modal kerja dan konsumsi. Dengan menggunakan data dari bank-bank komersial di Indonesia antara 2003-2011, dengan menggunakan analisis data panel, ditemukan bahwa likuiditas perbankan dan tingkat inflasi berpengaruh negatif signifikan, sedangkan jumlah bank berpengaruh positif dan kuat untuk mendorong distribusi pinjaman pada semua jenis pinjaman. Selain itu, tingkat tabungan dan pertumbuhan PDB ditemukan tidak bermakna dalam kontribusinya untuk mempengaruhi distribusi kredit investasi, tetapi secara signifikan mempengaruhi distribusi pinjaman lainnya. Terakhir, GWM dan nilai tukar tidak signifikan mempengaruhi semua tiga kategori jenis pinjaman. Keywords: Loan, interest rate, growth, GDPJEL Classification Numbers: G21, E43, E51

  15. Exploring the critical factors influencing online lending intentions

    OpenAIRE

    Wang, Peng

    2015-01-01

    Background: Online lending (P2P lending) is a type of internet finance mainly used to meet the financial needs of small and medium-sized enterprises and groups of individuals. It is a supplement to the traditional financial system. Method: This paper uses PPDai.com - the most influential online lending platform in China - as a research object to study the leading factors that affect lenders' loan trust and perception of information asymmetry. It also studies the impacts of these factors on le...

  16. Performance Persistence of Equity Funds in Hungary

    Directory of Open Access Journals (Sweden)

    Dariusz Filip

    2011-03-01

    Full Text Available This study examines the phenomenon of performance persistence of equity funds in Hungary in two time perspectives: 1-year and 6-month perspectives. The empirical results confirm the occurrence of performance dependence in consecutive periods. There is also a strong evidence of short-term persistence in the total horizon of the study (from the beginning of 2000 to the end of 2009, and in several sub-periods. The 1-year persistence was also found in the tested sample and, in general, depended on the measure applied. Furthermore, I observed performance reversal, which can be partly explained by trend changes in the financial markets. The persistence of equity funds performance in Hungary is shaped by market factors rather than the diversity of managerial characteristics.

  17. The medical care system of Hungary.

    Science.gov (United States)

    Raffel, N K; Raffel, M W

    1988-01-01

    Medical care in Hungary has made significant progress since World War II in spite of other social priorities which have limited financial support of the health system. A shortage of hard currency in a high technological era is now having a particularly severe adverse impact on further development. Decentralized administration and local finance have, however, provided some room for progress. Preventive efforts are hampered by a deeply entrenched life style which is not conducive to improving the population's health status.

  18. Power reactor noise measurements in Hungary

    International Nuclear Information System (INIS)

    Pallagi, D.; Horanyi, S.; Hargitai, T.

    1975-01-01

    An outline is given of the history of reactor noise research in Hungary. A brief description is given of studies in the WWR-SM reactor, a modified version of the original WWR-S thermal reactor, for the detection of in-core simulated boiling by analysis of the noise of out-of-core ionization chambers. Coolant velocity measurements by transit time analysis of temperature fluctuations are described. (U.K.)

  19. [Divorces in Hungary in the 1980s].

    Science.gov (United States)

    Horvath, L

    1989-01-01

    Trends in divorce in Hungary in 1980 are examined using data from official sources. Having presented the data, the author attempts to identify the factors affecting the frequency of divorce, including educational status, geographic factors, income, and social class. In a concluding section devoted to the future of marriage, the author suggests that stable marriages based primarily on emotional rather than economic foundations will become less common, as the economic aspects of marriage are likely to increase rather than decrease in importance.

  20. [Dental care for foreigners in Hungary].

    Science.gov (United States)

    Balázs, Péter; Oesterle, August

    2008-10-01

    High quality elective dental care for foreign patients was not exceptional in Hungary before the collapse of the old regime in 1989. Nevertheless, it became business as usual only in the new era thanks to the open state borders and the international competitive market environment. Unfortunately, no scientific study concerning this phenomenon has been conducted so far, however its professional and economic significance has been indicated by day-to-day experience. Additionally, the term "dental tourism" also used in international scientific papers became a commonplace in Hungary with unfavourable connotations. The present survey was the first to study this phenomenon by scientific standards in the most involved areas, namely in the capital city Budapest and in three counties in the Western Hungarian Region. Data collecting was performed by a self-reported questionnaire sent via conventional mail to all members of the Dental Section of the Hungarian Medical Chamber practicing in those indicated regions. Respond rates were 20.65% in Budapest and 25.34% in Western Hungary. The sample obtained this way, clearly indicated dimensions of cross-border patient migration and its economic significance as well. In Western Hungary 80.81% of foreign patients came from the neighbouring Austria and two out of ten practices realized 40 to 100% of their income out of this business. In Budapest foreign patients' nationality was more diversified. The largest group arrived from the United Kingdom (9.93%). Nevertheless the economic impact of dental tourism in Budapest is not relevant and outbalanced by a considerable domestic demand on the local private market.

  1. High activity gamma irradiators developed in Hungary

    International Nuclear Information System (INIS)

    Stenger, V.

    1997-01-01

    The development of high activity Gamma irradiators began in Hungary already in the early years of 60s. The very first designs were serving research in irradiation chemistry, radiation physics, food and agricultural research, radiation sterilization, plastic radiation chemistry, radiobiology, cancer therapy, personal and high dose dosimetry, following the international trends. Domestic and new international demands forced us to design and construct High Activity Gamma Irradiators: Multipurpose Pilot, Portable and Large scale bulk, Multipurpose Industrial scale types

  2. 2015 Easter bolide over North Hungary

    Science.gov (United States)

    Hegedüs, T.; Csizmadia, S.; Zelkó, Z.; Kereszty, Z.; Bíró, Z.

    2015-01-01

    On Easter Monday, April 6, 2015, at UTC 17h31m (near sunset) there was a bright (peak magnitude -12 ~ -14) bolide which also produced a sonic boom, over North Hungary, close to Miskolc, above the Bükk mountains. The event was witnessed by many people, and recorded by several car dashboard-, meteorological and all sky cameras from as far away as Farád (North-West Hungary) and Görbeháza (North-East Hungary). Unfortunately, with the event having occurred only a few minutes after sunset, the sky was still bright and therefore the Hungarian Video meteor network cameras were not yet operating. Our team has collected and re-calibrated as much video and photo material as possible. Since there were very few direct images of the bolide itself, but more photos and videos of the persistent train left behind, these latter images were also used, in certain circumstances, in our calculations. The deduced final atmospheric path and heliocentric orbit are presented, along with the estimation of the errors.

  3. Money Lending Law and Regulation of Consumer Credit in Nigeria ...

    African Journals Online (AJOL)

    Money lending is an indispensible consumer credit device in Nigeria as it is elsewhere. ... (borrowers), but that they also unduly fetter the lenders, which development is bad for modern business efficacy. ... AJOL African Journals Online.

  4. 78 FR 17766 - Interagency Guidance on Leveraged Lending

    Science.gov (United States)

    2013-03-22

    ... high-level principles related to safe-and-sound leveraged lending activities, including underwriting considerations, assessing and documenting enterprise value, risk management expectations for credits awaiting distribution, stress- testing expectations, pipeline portfolio management, and risk management expectations for...

  5. Effect of Information Asymmetry and Relationship Lending on ...

    African Journals Online (AJOL)

    Effect of Information Asymmetry and Relationship Lending on Financial ... from small- business- friendly financial institutions, hypotheses postulated by the ... a model of transaction costs of financial contracting that put into consideration the ...

  6. 12 CFR 560.170 - Records for lending transactions.

    Science.gov (United States)

    2010-01-01

    ... practices that: (a) Ensure that the institution can make an informed lending decision and can assess risk on... that any claims against a borrower, guarantor, security holders, and collateral are legally enforceable...

  7. Financial and estimating indicators for assessment of mortgage lending value

    Directory of Open Access Journals (Sweden)

    Antonio Benvenuti

    2013-08-01

    Full Text Available The article proposes a calculation criteria for the determination of the mortgage lending value which originates from the application of the financial method (direct capitalisation, by adopting a capitalisation rate calculated by means of the Debt Coverage Ratio (DCR, taking into consideration the criteria set out by the mortgage lending value, that is (i prudent appreciation of the future marketability, (ii normal and local market conditions, (iii current use and (iv long-term sustainability of the property.

  8. Models of sequential decision making in consumer lending

    OpenAIRE

    Kanshukan Rajaratnam; Peter A. Beling; George A. Overstreet

    2016-01-01

    Abstract In this paper, we introduce models of sequential decision making in consumer lending. From the definition of adverse selection in static lending models, we show that homogenous borrowers take-up offers at different instances of time when faced with a sequence of loan offers. We postulate that bounded rationality and diverse decision heuristics used by consumers drive the decisions they make about credit offers. Under that postulate, we show how observation of early decisions in a seq...

  9. "Lines of Credit and Relationship Lending in Small Firm Finance"

    OpenAIRE

    Allen N. Berger; Gregory E. Udell

    1994-01-01

    This paper examines the role of relationship lending using a data set on small firm finance. The abilities to acquire private information over time about borrower quality and to use this information in designing debt contracts largely define the unique nature of commercial banking. Recently, a theoretical literature on relationship lending has appeared which provides predictions about how loan interest rates evolve over the course of a bank-borrower relationship. The study focuses on small, m...

  10. Lending Sociodynamics and Drivers of the Financial Business Cycle

    Directory of Open Access Journals (Sweden)

    Raymond J. Hawkins

    2017-10-01

    Full Text Available We extend sociodynamic modeling of the financial business cycle to the Euro Area andJapan. Using an opinion-formation model and machine learning techniques we find stable modelestimation of the financial business cycle using central bank lending surveys and a few selectedmacroeconomic variables. We find that banks have asymmetric response to good and bad economicinformation, and that banks adapt to their peers’ opinions when changing lending policies.

  11. Test of the Bank Lending Channel: The Case of Poland

    Directory of Open Access Journals (Sweden)

    Yu HSING

    2013-11-01

    Full Text Available This paper tests the bank lending channel for Poland based on a simultaneousequation model consisting of demand for and supply of bank loans. The three-stage least squares method is employed in empirical work. This paper finds support for a bank lending channel for Poland. Expansionary monetary policy through a lower money market rate or open market purchase of government bonds to increase bank reserves/deposits would increase bank loan supply.

  12. Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates

    OpenAIRE

    Chen, Wei; Yang, Yiping; Ma, Hui

    2011-01-01

    As we know, borrowing and lending risk-free assets arise extensively in the theory and practice of finance. However, little study has ever investigated them in fuzzy portfolio problem. In this paper, the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to...

  13. Marketing-Mix of Online Social Lending Websites

    OpenAIRE

    Djamchid Assadi; Meredith Hudson

    2010-01-01

    With the rise of microfinance in developing countries and its evolution to a business model in developed nations, microfinance has fully transitioned to the internet, taking the distinctive form of social lending. However, the marketing trends of emerging peer-to-peer micro-lending websites have been largely unexplored during its rise to recognition due to most studies focusing on financial, economic, political and humanitarian issues in context to microfinance. However, based on a sample of ...

  14. Bank Lending and Property Prices in Hong Kong

    OpenAIRE

    Gerlach, Stefan; Peng, Wensheng

    2004-01-01

    This paper studies the relationship between residential property prices and lending in Hong Kong. This is an interesting topic for three reasons. First, swings in property prices have been extremely large and frequent in Hong Kong. Second, under the currency board regime, monetary policy can not be used to guard against asset price swings. Third, despite the collapse in property prices since 1998, the banking sector remains sound. While the contemporaneous correlation between lending and prop...

  15. 2009 Center for Army Leadership Annual Survey of Army Leadership (CASAL): Army Education

    Science.gov (United States)

    2010-06-11

    right time, handling pre- education attitudes, and tracking performance gains and career advantages related to academics.  Developing current, relevant...Army Leadership Technical Report 2010-2 2009 CENTER FOR ARMY LEADERSHIP ANNUAL SURVEY OF ARMY LEADERSHIP (CASAL): ARMY EDUCATION ...Joshua Hatfield ICF International John P. Steele Center for Army Leadership June 2010 The Center for Army Leadership An

  16. Visual impairment and blindness in Hungary.

    Science.gov (United States)

    Szabó, Dorottya; Sándor, Gábor László; Tóth, Gábor; Pék, Anita; Lukács, Regina; Szalai, Irén; Tóth, Georgina Zsófia; Papp, András; Nagy, Zoltán Zsolt; Limburg, Hans; Németh, János

    2018-03-01

    The aim of this study was to estimate the prevalence and causes of blindness, severe visual impairment (SVI), moderate visual impairment (MVI), and early visual impairment (EVI) and its causes in an established market economy of Europe. A cross-sectional population-based survey. A sample size of 3675 was calculated using the standard Rapid Assessment of Avoidable Blindness (RAAB) software in Hungary. A total of 105 clusters of 35 people aged 50 years or older were randomly selected with probability proportionate to size by the Hungarian Central Statistical Office. Households within the clusters were selected using compact segment sampling. Visual acuity (VA) was assessed with a Snellen tumbling E-chart with or without a pinhole in the households. The adjusted prevalences of bilateral blindness, SVI, MVI and EVI were 0.9% (95% CI: 0.6-1.2), 0.5% (95% CI: 0.2-0.7), 5.1% (95% CI: 4.3-5.9) and 6.9% (95% CI: 5.9-7.9), respectively. The major causes of blindness in Hungary were age-related macular degeneration (AMD; 27.3%) and other posterior segment diseases (27.3%), cataract (21.2%) and glaucoma (12.1%). Cataract was the main cause of SVI, MVI and EVI. Cataract surgical coverage (CSC) was 90.7%. Of all bilateral blindness in Hungary, 45.5% was considered avoidable. This study proved that RAAB methodology can be successfully conducted in industrialized countries, which often lack reliable epidemiologic data. The prevalence of blindness was relatively low, with AMD and other posterior segment diseases being the leading causes, and cataract is still a significant cause of visual impairment. © 2017 Acta Ophthalmologica Scandinavica Foundation. Published by John Wiley & Sons Ltd.

  17. The prospects for nuclear heating in Hungary

    International Nuclear Information System (INIS)

    Papp, I.; Lynch, G.F.

    1989-09-01

    In assessing alternative nuclear heat sources, a joint study was undertaken between Canada and Hungary to determine the feasibility of using the SLOWPOKE Energy System that has recently been developed. The SLOWPOKE Energy System is a benign nuclear heat source designed to supply 10 thermal megawatts in the form of hot water for local heating systems in buildings and institutions. It uses a combination of inherent safety features, including natural convection circulation and negative reactivity coefficients, and engineered features to ensure an extremely safe system. A SLOWPOKE demonstration heating reactor has been constructed in Canada. The unit started operation in July 1987 and is currently undergoing an extensive test program. Since the nuclear heat source is small, operates at atmospheric pressure, and produces hot water below 100 deg. C, the complex high-pressure, and high-temperature systems essential for electricity production are eliminated. As a result, the nuclear heat source can be located close to the load and will require a minimum of operator attention. In this way, a SLOWPOKE Energy System can be considered much like the oil- or natural gas fired furnace it is designed to replace. The extensive use of hot water district heating systems in Hungary offers the opportunity to exploit such simple nuclear systems as base load heat sources without an extensive retrofit of the existing systems. In addition, the studies have concluded that there are many economically attractive sites for 10 MW SLOWPOKE Energy Systems within the existing networks. The low capital investment requirements, coupled with a high degree of localization, even for the first unit, are seen as additional factors that facilitate the transfer of the technology to Hungary. Simple nuclear heat sources, such as the SLOWPOKE Energy System, when applied to the Hungarian district heating systems, offer the prospects of a significant reduction in the dependence on imported fossil fuels in the

  18. Market survey Hungary. Bio-energy

    International Nuclear Information System (INIS)

    2008-01-01

    Basic characteristics of the market for bioenergy (biomass, biogas and biofuels) in Hungary and consequences for business environment are summarized, based on a SWOT analysis. RES is the priority issue to which a lot of attention is paid both at governmental and private level; private investors should view RES as a new niche for their business activities. Standard approach based on a thoroughly done preparation of the project in terms of profitability and risk assessment is necessary in order to avoid potential financial losses due to changed market conditions or differences between assumptions and business reality. Some recommendations for entry on the Hungarian bio energy market are presented: (1) Generally, look for success stories in the Netherlands first and then look for places where such proved and time-tested technologies could be used in Hungary with respect to local specifics. In such way, you can find market niches where investment can be made or new products can be launched; (2) For retail selling it is appropriate to establish business contacts with existing dealers and associations and offer own products through their distribution network. This scheme has the advantage of low initial costs as well as risks involved; (3) In the case of large investments into equipment complexes using RES it seems more appropriate to refer directly either to municipal authorities on whose cadastre the investment should take place or to specialized consultancy agencies that can support the plan with additional information on legal requirements, national programmes supporting RES or available technology. Of course, direct collaboration with well-established local partner can be beneficial for both sides too; (4) If you want to receive up-to-date information on particular aspects of the biomass market in Hungary, you can refer to some governmental organisations associations referred in the key contact addresses

  19. The prospects for nuclear heating in Hungary

    International Nuclear Information System (INIS)

    Lynch, G.F.; Papp, I.

    1989-09-01

    Hungary supplies only half of its energy requirements from domestic resources and is very dependent upon imports of oil, natural gas and electricity to meet the current demand. In planning to reduce the dependence on imports, nuclear technology is considered an important element in the long-term energy strategy. To this end, an aggressive nuclear electricity generation program is being implemented with four 440 MWe units now operating and two 1000 MWe units committed. However, nuclear technology must be used in other energy sectors if the goal of long-term energy independence is to be achieved. On the demand side, 30% of the primary energy is consumed in the public sector, the major component being residential heating. Of the 3.7 million apartments in Hungary, 500 000 benefit from being connected to municipal district heating systems that use natural gas or oil as the energy base. This is, therefore, another significant energy sector that is amenable to using nuclear technology to substitute for imported oil and natural gas. In assessing alternative nuclear heat sources, a joint study was undertaken between Canada and Hungary to determine the feasibility of using the SLOWPOKE Energy System that has recently been developed. The SLOWPOKE Energy System is a benign nuclear heat source designed to supply 10 thermal megawatts in the form of hot water for local heating systems in buildings and institutions. It uses a combination of inherent safety features, including natural convection circulation and negative reactivity coefficients, and engineered features to ensure an extremely safe system. A SLOWPOKE demonstration heating reactor has been constructed in Canada. The unit started operation in 1987 July and is currently undergoing an extensive test program

  20. Privatizing and liberalizing electricity, the case of Hungary

    Energy Technology Data Exchange (ETDEWEB)

    Bakos, G. [Kyoto Womens' University (Japan). Institute of Economy

    2001-11-01

    Hungary, a forerunner in Eastern reforms, has boldly privatized its energy sector with foreign capital. While in the west liberalization resulted in electricity abundance and dramatic tariff cuts, in Hungary as a result of asymmetric market opening it brought excess capacities, transparent cost base prices, but lower tariffs are still ahead. Foreign investors made the branch profitable and are planning to expand capacities. (author)

  1. Renewable Energy Policy Fact sheet - Hungary

    International Nuclear Information System (INIS)

    2017-07-01

    The EurObserv'ER policy profiles give a snapshot of the renewable energy policy in the EU Member States. In Hungary, electricity from renewable energy sources is supported by a feed-in-tariff or a market ('green') premium, depending on the capacity and energy source. Household-sized power plants up to 50 kVA can benefit from net metering. In general, subsidy programmes also promote the use of renewable energy sources in the electricity and heating sector. The main support scheme for the use of renewable energy in the transportation sector is a quota system supplemented by a reimbursement of excise duty

  2. Illicit trafficking of radioactive material in Hungary

    International Nuclear Information System (INIS)

    Golder, I.

    1996-01-01

    Hungary, due to its geographical location is a convenient region for illegal transit of nuclear material between source and target countries. In recent years nine cases have became known and altogether 21.7 kg depleted, 4.6 kg natural, and 2.5 kg low enriched uranium have been confiscated. A brief summary is given of possible origin of the illicitly transported radioactive material. The most important elements of the security of sources including the national and accounting system of radioactive material and the intervention plans are discussed. (author)

  3. ICT INDUSTRY R&D IN HUNGARY

    Directory of Open Access Journals (Sweden)

    ADRIENN FEKO

    2011-04-01

    Full Text Available In this article, the Hungarian ICT Industry related research and development is analysed. The developments and characteristics of the sector are described on one hand on the available statistics and on the other hand on interviews taken with the representatives of leading ICT companies in Hungary. In this short paper in order to have a larger database, we use a more aggregated definition of ICT sector according to European Commission DG JRC, IPTS (NACE rev.1.1. The main objectives of the paper are: to present the main characteristics of the sector and to explore the main causes of relatively low R&D activity of the ICT sector.

  4. The development of radiation protection in Hungary

    International Nuclear Information System (INIS)

    Bisztray-Balku, S.; Bozoky, L.; Koblinger, L.

    1982-01-01

    This book contains the short history, development and present status of radiation protection and health physics in Hungary. The first chapter discusses the radiation protection standards and practices used in scientific, technical and medical radiology in this country, with their development history. The next chapter is devoted to the radiation protection techniques applied for medical uses of radioisotopes and accelerators including the organizational and management problems. The last chapter presents a review on radiation protection and health physics aspects of the Hungarian industry and agriculture, on radiation protection research and management, on instruments and dosimeters. A national bibliography on the subject up to 1979 is included. (Sz.J.)

  5. Lending Interest Rates’ Relationships of Malaysia and Other Countries

    Directory of Open Access Journals (Sweden)

    Noor Azryani Auzairy

    2016-06-01

    Full Text Available This paper is to examine the relationship of Malaysia‟s lending interest rate with other countries which include China, Singapore, United States, Indonesia and Thailand. Those five countries are Malaysia‟s major trading partners. The daily base lending interest rates from 2006 to 2014 were applied to this study. The associations of the interest rates were tested by coefficient correlation and multivariate regression analysis. Results showed that Malaysian lending interest rate is significant and positively related to those of China, Thailand and the United States. Among the five countries‟ interest rates, only the changes in interest rates of China, Thailand and the United States would affect Malaysia‟s lending rate. The independence of monetary policy would hardly be expected by the Malaysian authority, Bank Negara, in its decision on lending interest rate. In addition, it may affect the trade finance and money market hedge decisions by the international traders. This study provides an overview and guidance to the government authorities in making more effective decisions related to monetary policy, international trade and foreign exchange exposure in order to strengthen the economy.

  6. Determinants of Default in P2P Lending.

    Directory of Open Access Journals (Sweden)

    Carlos Serrano-Cinca

    Full Text Available This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449 from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

  7. Determinants of Default in P2P Lending.

    Science.gov (United States)

    Serrano-Cinca, Carlos; Gutiérrez-Nieto, Begoña; López-Palacios, Luz

    2015-01-01

    This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

  8. Regulatory problems relating to energy in Hungary

    International Nuclear Information System (INIS)

    Remenyi, K.

    2002-01-01

    One of basic problems of the transition in the energy economy is, how far the process of liberalisation and privatisation could go, i.e. to what extent the control of state/government would be given up, and how the breakdown of the commanding positions of the government would be managed. The transition in the energy sector toward a market economy is characterised by restructuring the regulatory framework of the energy industry, changing the operational structure of the sector and profound reshaping of ownership structures of the enterprises. In Hungary the government, being convinced of the importance of the implementation of the market forces, in 1991 made the first step on the way of restructuring the energy sector in order to increase economic efficiency, to enable companies to react to market forces and to privatise them. Parallel and partly after the restructuring, a profound modification of legal and regulatory framework took place and finally a relatively large scale of privatisation has newly emerged, which will continue in future, too. The process of the energy sector liberalisation in Hungary has a stop and go character and the game is not over. The process can be characterised by institutional restructuring in the energy sector (coal, oil/gas, power ), which is the basic condition for market liberalisation and privatisation, and by the creation of an appropriate environment (regulatory framework, pricing policy, etc. ) for the smooth implementation of the liberation process(author)

  9. [Dentists' workforce in Hungary and international migration].

    Science.gov (United States)

    Balázs, Péter

    2012-06-01

    In Hungary, cross-national migration in dental care was performed rather by patients from abroad instead of the domestic dentists' migration for working abroad. Actually, this tacitly realized and so-called dental tourism experienced two basic changes. The National Medical Tourism Ltd. arranged the First Conference for Development of Dental Tourism on 21 April 2011. Hungary's prime minister addressed the meeting and finally signed an agreement with the organizing Ltd. about governmental financial support for development of dental tourism. On the other hand, Germany and Austria deleted all restrictions against the free cross-national workforce migration since 1 May this year. For understanding and prognosis of dentists' future migration, it is inevitable to collect and analyse relevant data of the previous years. This study is presenting data obtained from January 1, 2006 to December 31, 2010. According to the net outcome, the dentists' human resource system was balanced down to the end of 2010. However, this state is unsure even for the near future, thus preventing the deficit of dentists all necessary measures must be taken to keep up the present level of the domestic dentral service.

  10. CHALLENGES OF MUNICIPAL WASTE MANAGEMENT IN HUNGARY

    Directory of Open Access Journals (Sweden)

    ZOLTÁN OROSZ

    2008-06-01

    Full Text Available Aims, tasks and priorities of medium term development plans of national waste management were defined in the National Waste Management Plan, which was made for the period of 2003–2008 in Hungary. Supporting of the European Union is indispensable for carrying out of plan. The most important areas are related to the developing projects of municipal solid waste treatment (increasingthe capacity of landfills, accomplishment of the infrastructure of selective waste collection, building of new composting plants. The national environmental policy does not focus sufficiently on the prevention of waste production. Due to the high expenses of investment and operation the energetic recovery and the incineration of municipal solid waste do not compete with the deposition. We inclined to think that the waste management of Hungary will be deposition-orientated until 2015. The main problems to the next years will be the lack of reprocessing industry of plastic and glass packaging waste. The high number of to-be-recultivated landfills and the attainability of necessary financial sources are also serious problems. There are many questions. What is the future in national waste management? How can we reduce the quantity of dumped waste? What are challenges of national waste management on the short and long term?

  11. Spatial Characteristics of Art Trade in Hungary

    Directory of Open Access Journals (Sweden)

    Ibolya Várnai

    2018-04-01

    Full Text Available Century-long traditons of art trade in Hungary are strongly connected to the capital, famous, elite auction houses and galleries are concentrated in the downtown area of Budapest. Although art market in Hungary is capital-centered, remarkable amount of art trade takes place in the countryside too. This study aims to give insight into the presence of the different types of art trade (antique shops, second-hand book stores, art galleries and auction houses in rural settlements, compared to the characteristics of art trade in Budapest. The research – based on primary data collection – reveals the social, economic, and cultural factors which explain the regional differences in art trade. During the field work in Budapest, semi-structured interviews were conducted with art gallery owners, auctioners, and antiquarians. The penetration index (PEX which was applied in the case of researches in the countryside shows the rate in which the different types of art trade are present in settlements of different sizes. The results are demonstrated on the map with the help of the Mapinfo 12.5 software.

  12. Country policy profile - Hungary. April 2015

    International Nuclear Information System (INIS)

    2015-04-01

    According to the Directive 2009/28/EC of the European Parliament and of the European Council on the promotion of the use of energy from renewable sources the target for the share of energy from renewable sources in gross final energy consumption in the year 2020 for Hungary is 13%, whereas in 2012 it reached 9,8%. Hungarian renewable electricity meets the support in shape of feed-in tariffs. In the aspect of transport the main means of support for the energy from renewable sources is a quota system. The connection of renewable energy plants to the grid will be ranked as a priority. The costs for the connection of renewable energy plants to and the expansion of the grid are borne either by the plant operator or by the grid operator, depending on certain criteria. There are a number of policies intending to promote the development, installation and use of RES installations. However, some policies are currently not available due to exhausted funds of the related subsidy programs. This report monitors the policy changes after the release of the 2013 Progress Report for Hungary and is regularly updated. In recent months, no significant change in country's RES policies has been reported

  13. Country policy profile - Hungary. December 2015

    International Nuclear Information System (INIS)

    2015-12-01

    According to the Directive 2009/28/EC of the European Parliament and of the European Council on the promotion of the use of energy from renewable sources the target for the share of energy from renewable sources in gross final energy consumption in the year 2020 for Hungary is 13%, whereas in 2012 it reached 9,8%. Hungarian renewable electricity meets the support in shape of feed-in tariffs. In the aspect of transport the main means of support for the energy from renewable sources is a quota system. The connection of renewable energy plants to the grid will be ranked as a priority. The costs for the connection of renewable energy plants to and the expansion of the grid are borne either by the plant operator or by the grid operator, depending on certain criteria. There are a number of policies intending to promote the development, installation and use of RES installations. However, some policies are currently not available due to exhausted funds of the related subsidy programs. This report monitors the policy changes after the release of the 2013 Progress Report for Hungary and is regularly updated. In recent months, no significant change in country's RES policies has been reported

  14. BANK LENDING EVOLUTION IN ROMANIA DURING 2008-2015

    Directory of Open Access Journals (Sweden)

    Valentin Mihai LEOVEANU

    2016-06-01

    Full Text Available The period of global nuisance of banking and financial sector during the international financial crisis continues to have overwhelming implications in the current period, which requires careful research of monetary and financial phenomena locally and globally. In this sense, this article aims to highlight key aspects of the Romanian investment environment in the context of international economic environment and monetary policy transmission mechanisms in the Romanian economy. Following this approach, the study focuses on analyzing the financial position of banks operating in Romania, the evolution of lending by type of entity and positive/negative aspects about the impact of monetary policy measures and the NBR regulations on bank lending. The study shows conclusively the positive and the negative effects of lending evolution on the Romanian economy, on the solvency and bankruptcy risk of Romanian companies and on the behavior of debtors and creditors in credit relationships.

  15. Bank Lending Policy, Credit Scoring and Value at Risk

    OpenAIRE

    Jacobson, Tor; Roszbach, Kasper

    1998-01-01

    In this paper we apply a bivariate probit model to investigate the implications of bank lending policy. In the first equation we model the bank´s decision to grant a loan, in the second the probability of default. We confirm that banks provide loans in a way that is not consistent with default risk minimization. The lending policy must thus either be inefficient or be the result of some other type of optimizing behavior than expected profit maximization. Value at Risk, being a value weighted ...

  16. Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates

    Directory of Open Access Journals (Sweden)

    Wei Chen

    2011-01-01

    the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to measure investment risk. The conventional probabilistic mean variance model can be transformed to a linear programming problem under possibility distributions. Finally, a numerical example is given to illustrate the modeling idea and the impact of borrowing and lending on optimal decision making.

  17. Discovering the Army's Core Competencies

    National Research Council Canada - National Science Library

    Rudesheim, Frederick

    2001-01-01

    This paper seeks to answer the question, "Has the Army correctly identified its core competencies to ensure the Army can adequately respond to the national military strategy?" FM 1, The Army (Prototype Draft...

  18. Women in the Army

    Science.gov (United States)

    1980-06-06

    Army womenpower re- quirements with no apparent end in sight. No country, not even Russia or Israel, has ever made a conscious decision to include...provide a basis for decision making. iiI CHAPTER ONE AN HISTORICAL OVERVIEW Few books have been written which outline the history of military women...with a bill introducing the Women’s Army Auxillary Corps (WAAC). In order 7 that the Army could maintain control over this sensitive issue, General

  19. Usutu virus, Austria and Hungary, 2010-2016.

    Science.gov (United States)

    Bakonyi, Tamás; Erdélyi, Károly; Brunthaler, René; Dán, Ádám; Weissenböck, Herbert; Nowotny, Norbert

    2017-10-11

    Usutu virus (USUV, Flaviviridae) was first reported in Europe in Austria in 2001, where it caused wild bird (mainly blackbird) mortality until 2005. Since 2006 no further USUV cases were diagnosed in the country. However, the virus emerged in other European countries (Hungary, Italy, Switzerland, Spain, Germany and the Czech Republic) between 2005 and 2011. In 2016, widespread USUV-associated wild bird mortality was observed in Germany, France, Belgium and the Netherlands. In this study, we report the results of passive monitoring for USUV in Austria and Hungary between 2010 and 2016. In Hungary, USUV caused sporadic cases of wild bird mortality between 2010 and 2015 (altogether 18 diagnosed cases), whereas in summer and autumn 2016 the number of cases considerably increased to 12 (ten blackbirds, one Eurasian jay and one starling). In Austria, USUV was identified in two blackbirds in 2016. Phylogenetic analyses of coding-complete genomes and partial regions of the NS5 protein gene revealed that USUVs from Hungary between 2010 and 2015 are closely related to the virus that emerged in Austria in 2001 and in Hungary in 2005, while one Hungarian sequence from 2015 and all sequences from Hungary and Austria from 2016 clustered together with USUV sequences reported from Italy between 2009 and 2010. The results of the study indicate continuous USUV circulation in the region and exchange of USUV strains between Italy, Austria and Hungary.Emerging Microbes &Infections (2017) 6, e85; doi:10.1038/emi.2017.72; published online 11 October 2017.

  20. Army Maintenance System Transformation

    National Research Council Canada - National Science Library

    Gilbertson, Frank V

    2006-01-01

    .... Used in conjunction with pertinent historical data and developed with Army transformation goals in mind, General Systems thinking can provide the framework for guiding maintenance transformation...

  1. 13 CFR 120.931 - 504 Lending limits.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false 504 Lending limits. 120.931 Section 120.931 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development... enumerated in § 120.862(b) applies to the Project). [68 FR 57988, Oct. 7, 2003] ...

  2. Optimal Joint Liability Lending and with Costly Peer Monitoring

    NARCIS (Netherlands)

    Carli, Francesco; Uras, R.B.

    2014-01-01

    This paper characterizes an optimal group loan contract with costly peer monitoring. Using a fairly standard moral hazard framework, we show that the optimal group lending contract could exhibit a joint-liability scheme. However, optimality of joint-liability requires the involvement of a group

  3. Joint liability lending and the peer selection effect

    NARCIS (Netherlands)

    Gangopadhyay, S; Ghatak, M; Lensink, R

    2005-01-01

    We show that the joint liability lending contracts derived in Ghatak (2000) violate an ex post incentive-compatibility constraint which says that the amount of joint liability cannot exceed the amount of individual liability. We derive and characterise optimal separating joint liability contracts

  4. Group lending and the role of the group leader

    NARCIS (Netherlands)

    Eijkel, van R.; Hermes, N.; Lensink, B.W.

    2011-01-01

    This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts

  5. Group lending and the role of the group leader

    NARCIS (Netherlands)

    van Eijkel, R.; Hermes, C.L.M.; Lensink, B.W.

    This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts

  6. 12 CFR 560.101 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ..., and reporting requirements to monitor compliance with the savings association's real estate lending... institutions' business plans and, when undertaken in a prudent manner, will not be subject to examiner... policies and strategic plan. Factors that should be considered include: • The size and financial condition...

  7. 78 FR 18795 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-03-28

    ... of credit at account opening. The consumer is also required to pay a cash advance fee that is equal... amount equal to any fees the consumer was required to pay with respect to the account that exceed 25... Regulation Z, which implements the Truth in Lending Act, and the Official Interpretations of the regulation...

  8. Lending Officers' Decisions to Recommend Innovative Agricultural Technology.

    Science.gov (United States)

    McIntosh, Wm. Alex; Zey-Ferrell, Mary

    1986-01-01

    Path analysis examines an analytical model of decision making by lending officers of 211 Texas banks when recommending agricultural technology to farmer-clients. Model analyzes effects of loan officers' ascribed/achieved personal characteristics and perceptions of organizational constraints during three stages of decision process: using…

  9. Management control of credit risk in the bank lending process

    NARCIS (Netherlands)

    Scheffer, S.B.

    2004-01-01

    Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying

  10. EIB lends EUR 300 million for CERN's major collider

    CERN Multimedia

    2002-01-01

    "The European Investment Bank (EIB) is lending EUR 300 million to finance the final phase of construction of the Large Hadron Collider (LHC) at CERN, the European Organization for Nuclear Research. The EIB loan will also help to finance the instrumentation to record and analyse the high-energy particle collisions at the LHC" (1 page).

  11. Correlates of Success in World Bank Development Policy Lending

    OpenAIRE

    Moll, Peter; Geli, Patricia; Saavedra, Pablo

    2015-01-01

    This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

  12. US politics and World Bank IDA-lending

    DEFF Research Database (Denmark)

    Andersen, Thomas Barnebeck; Hansen, Henrik; Markussen, Thomas

    2006-01-01

    This paper studies the role of US political factors in the allocation of World Bank concessional lending, where US political interests are proxied by voting similarity in the United Nations General Assembly on issues identified as important by the US Department of State. In contrast to previous...

  13. Does bank ownership affect relationship lending: A developing country perspective

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-05-01

    Full Text Available In this paper we aim to explore how the type of bank ownership - local private banks, government-owned banks (public banks and foreign banks - can affect relationship lending to small and medium enterprises (SMEs by using a unique data set from Bangladeshi banking sector. We found that private banks differ from government-owned and foreign banks in terms of relationship lending and credit facilities to SMEs. More specifically, our results suggest that unlike government and foreign banks, private banks do consider soft information from relationship lending while setting up the loan spread to SMEs. We can also confirm that exclusive banking relationship or repeated banking with private banks can soften credit conditions (loan maturity and covenants. Moreover, we found empirical evidence that banking relationship is important for private banks in terms of SME credit risk evaluation. Finally, as according to our expectation, the results confirm that regardless of prior relationship, private banks are more depended on collateral-based lending to SMEs than government-owned or foreign banks.

  14. 78 FR 25818 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-05-03

    ... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 [Docket No. CFPB-2012-0039] RIN 3170-AA28 Truth in Lending (Regulation Z) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule; official interpretations. SUMMARY: The Bureau of Consumer Financial Protection (Bureau) issues this final...

  15. 75 FR 58505 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    .... Reasons for the Proposed Rule Congress enacted TILA based on findings that economic stability would be... and Regulation Z Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and competition among consumer credit providers would be strengthened by the...

  16. 75 FR 58469 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    ... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic Stabilization Act of 2008, Public Law 110-343...

  17. Experimental nuclear physics research in Hungary

    International Nuclear Information System (INIS)

    Koltay, Ede.

    1984-01-01

    The status and recent results of experimental nuclear physics in Hungary is reviewed. The basic nuclear sciences, instrumental background and international cooperation are discussed. Personal problems and the effects of the international scientific deconjuncture are described. The applied nuclear and interdisciplinary researches play an important role in Hungarian nuclear physics. Some problems of cooperation of Hungarian nuclear and other research institutes applying or producing nuclear analytical technology are reviewed. The new instrument, the Debrecen cyclotron under construction gives new possibilities to basic and applied researches. A new field of Hungarian nuclear physics is the fusion and plasma research using tokamak equipment, the main topics of which are plasma diagnostics and fusion control systems. Some practical applications of Hungarian nuclear physical results, e.g. establishment of new analytical techniques like PIXE, RBS, PIGE, ESCA, etc. are summarized. (D.Gy.)

  18. Mitigation measures and programs in Hungary

    Energy Technology Data Exchange (ETDEWEB)

    Molnar, S. [Systemexpert Consulting Ltd., Budapest (Hungary)

    1996-12-31

    In Hungary there are four main governmental programs, which may result in a decrease of emissions of anthropogenic greenhouse gases (GHGs): (1) National program of energy efficiency improvement and energy conservation, (2) Afforestation program, (3) Volatile organic compounds (VOC) emission reduction program, and (4) Program to reduce the use of ozone depleting substances. These ambitious programs were launched in the beginning of the 90`s, but they have been slowed down because of budgetary problems. The comprehensive action plan for mitigation of GHG emissions should be based on these ongoing programs. These programs should be expanded by further measures and programs in order to fulfill the requirements of the FCCC. In the next sections the results and prospects of the above mentioned programs will be summarized. Also the results of the mitigation study supported by the U.S. Country Studies Program are included.

  19. Are There Cultural Regions in Hungary?

    Directory of Open Access Journals (Sweden)

    PÉTER BENKŐ

    2011-01-01

    Full Text Available Drawing up cultural macro-regions in Hungary is hardly possible as not even two of the highly developed mezo-regions are contacting, not speaking about forming a bloc; they rather constitute a mosaic on the country map. Those on medium cultural level make up two groups, while, though the ones with a low standard are mostly found along the Danube as a single bloc, they are isolated by Pest county, statistically grouped in one region with them, with a genuine cultural level far exceeding the low cluster. Consequently, it is only justified to speak about cultural regions in the sense that, on the whole, Dunántúl is on a higher standard than the eastern half of the country.

  20. Organic food purchase habits in Hungary

    Directory of Open Access Journals (Sweden)

    Viktória Szente

    2015-03-01

    Full Text Available In Hungary organic food market has both demand and supply oriented aspect: several times not necessary products are distributed while the selection and volume of certain products are not satisfactory. Thus our aim was to develop a coordinated benchmark strategy to increase the trade of organic products. To get more details about the Hungarian organic food market we applied the “mystery shopping” method to observe changes in organic food supply and carried out a quantitative survey using a 1,000 member countrywide panel. Our results indicate that organic origin is considered somewhat important for every 4th respondent, while only 3.7% of the interviewees paid attention to put organic food products into their cart. The most serious obstacle is the doubt of surveyed individuals about the authenticity and the alleged benefits of organic products, complete with a high perceived price. “Price” is the most influential factor on shopping decision, but the advantageous “constant quality” and “health benefit” factors are just following it. Most of the respondents stated that they buy organic products directly from the producer (27.4%, but small retail outlets are likewise popular (though to a somewhat lesser extent. In conclusion, there is potential demand for ecological food products in Hungary. Although the proportion of conscious consumers is small; it significantly exceeds the current market share of the products. Consumers should be approached with better prices, smart retailing solutions and through awareness raising.

  1. ARMY CYBER STRUCTURE ALIGNMENT

    Science.gov (United States)

    2016-02-16

    content/?q=historic-cyber-unit-begins- daily-action . 14 John M. McHugh , Secretary of the Army, HQDA General Order 2014-02, Affirmation of Secretary of...support-plays-role-in-tactical-operations/75545442/. McHugh , John M., Secretary of the Army, HQDA General Order 2014-02, Affirmation of Secretary of

  2. GdF in Hungary: the East in progress

    International Nuclear Information System (INIS)

    Anon.

    1996-01-01

    After Germany and the Czech Republic, Gaz de France (GdF) has decided to export its know-how and technologies about natural gas into Hungary. Thanks to the Hungarian privatization program started in 1995, GdF could obtain the major participation in the Degaz and Egaz companies, two out of the five local distribution companies, and controls 22% of the natural gas distribution in Hungary. (J.S.)

  3. Market conditions in Hungary, central europe

    International Nuclear Information System (INIS)

    Nagy, S.

    2000-01-01

    Paks Nuclear Power Plant is the only nuclear power plant in Hungary covering 38% of electricity consumption in the country. The nuclear electricity production of the four VVER440/213 type units in the year of 1999 was 14096 GWh, the second best result in the history of the company. After very detailed safety analyses Paks NPP started a safety upgrading program in 1996, and today the CDF values of the reactor units reached an internationally accepted value. The operational and safety culture and the level of safety was evaluated and reviewed by different international organizations like the IAEA, WENRA, WANO. Based on the conclusions of these international organizations the Paks plant w111 be ready for EU accession after the completion of the ongoing safety upgrading program. Capacity enhancement as a part of the preparation for the market conditions resulted a power upgrade around 20 MW for all four units. This way a relatively small investment in comparison with new installations resulted more efficient to market nuclear capacity. Last year the cost of a generated 1 kWh electricity was 5.98 Ft, which is still to be decreased in 2000. To upgrade the competitiveness of nuclear generation lots of efforts were done in the areas of plant management cost reduction, man-power efficiency upgrade. Un-bundling of activities not directly related to electricity generation in one hand, and more efficient cooperation with other VVER operators and the Hungarian Power Companies Ltd. in certain areas on the other hand are good examples for efficient steps in economic improvement. The company as one of the electricity producers also should follow the capabilities of producers in the neighboring countries like Slovakia and Ukraine, where electricity production is with government subsidiary. To find the right balance between the necessary investments and the market induced cost reduction is one of the most important task in Hungary in Eastern-Europe especially when the nuclear energy

  4. Group lending and the role of the group leader

    OpenAIRE

    Eijkel, van, R.; Hermes, N.; Lensink, B.W.

    2011-01-01

    This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts in the highest monitoring effort. Moreover, monitoring efforts differ between group members due to free-riding: one member reduces her level of monitoring if the other increases her monitoring effor...

  5. Micro-lending for small farmers in Bangladesh

    OpenAIRE

    Rashid, Shahidur; Sharma, Manohar; Zeller, Manfred

    2002-01-01

    It has been long hypothesized that lack of access to credit is the main reason why, despite higher profitability of High Yielding Varieties (HYVs), farmers in developing countries continue to allocate a portion of their land to traditional crop varieties. The empirical testing of this hypothesis has generated a large body of literature with differing conclusions. This paper re-examines the issue in the context of a specially designed group-based lending program for small farmers in Bangladesh...

  6. Cross-selling lending and underwriting : scope economies and incentives

    OpenAIRE

    Laux, Christian; Walz, Uwe

    2009-01-01

    We highlight the implications of combining underwriting services and lending for the choice of underwriters and for competition in the underwriting business. We show that cross-selling can increase underwriters' incentives, and we explain three phenomena: first, that cross-selling is important for universal banks to enter the investment banking business; second, that cross-selling is particularly attractive for highly leveraged borrowers; third, that less-than-market rates are no prerequisite...

  7. The Internet, Bank Structure and Small Business Lending

    OpenAIRE

    Steven G. Craig; Polly T. Hardee

    2002-01-01

    The advent of the Internet has opened many opportunities for bankers to access new customers, increase convenience and expand product ranges in many markets, including that of small businesses. Yet anecdotal evidence reveals that smaller banks are reluctant to employ Internet technology in the small business market for fear of damaging the customer relationship developed through personal contact. These smaller, more simply structured banks tend to specialize in small business lending, possess...

  8. Collateral and its Substitutes in Emerging Markets' Lending

    OpenAIRE

    Lukas Menkhoff; Doris Neuberger; Ornsiri Rungruxsirivorn

    2011-01-01

    Due to opaque information and weak enforcement in emerging loan markets, the need for collateral is high, whereas borrowers lack adequate assets to pledge as collateral. How is this puzzle solved? We find for a representative sample from Northeast Thailand that indeed most loans do not include any tangible assets as collateral. Instead, lenders enforce collateral-free loans through third-party guarantees and relationship lending, but also through modifying loan terms, such as reducing loan si...

  9. How Collateral Laws Shape Lending and Sectoral Activity

    OpenAIRE

    Calomiris, Charles W.; Larrain, Mauricio; Liberti, José; Sturgess, Jason

    2015-01-01

    This paper investigates the effect of cross-country differences in collateral laws regarding movable assets on lending and sectoral allocation of resources. Using micro-level loan data for a sample of emerging market countries we show that loan-to-values of loans collateralized with movable assets are on average 21 percentage points higher in countries with strong-collateral laws relative to immovable assets. Further, stronger collateral laws tilt collateral composition away from immovable to...

  10. Reserve requirements and the bank lending channel in China

    OpenAIRE

    Fungácová , Zuzana; Nuutilainen , Riikka; Weill , Laurent

    2015-01-01

    This paper examines how reserve requirements influence the transmission of monetary policy through the bank lending channel in China while also taking into account the role of bank ownership. The implementation of Chinese monetary policy is characterized by the reliance on the reserve requirements as a regular policy tool with frequent adjustments. Using a large dataset of 170 Chinese banks for the period 2004–2013, we analyze the reaction of loan supply to changes in reserve requirements. We...

  11. On the roles of different foreign currencies in European bank lending

    OpenAIRE

    Krogstrup, Signe; Tille, Cedric

    2015-01-01

    We draw on a new data set on the use of Swiss francs and other currencies by European banks to assess the patterns of foreign currency bank lending. We show that the patterns differ sharply across foreign currencies. The Swiss franc is used predominantly for lending to residents, especially households. It is sensitive to the interest rate differential, exchange rate developments, funding availability, and to some extent international trade. Lending in other currencies is more used in lending ...

  12. PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    Roberto Ercegovac

    2017-09-01

    Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.

  13. Designing an Information System for Decision Support Lending

    Directory of Open Access Journals (Sweden)

    Adrian LUPASC

    2017-04-01

    Full Text Available The successful development of financial and banking activities requires a strong information support to ensure the competitive edge over the other competitors on the market. The exponential growth in the volume of lending financial operations made the use of modern information technology in banking has become fundamental to improving lending activity. Thus, the design and use of a computer system adapted to specific requirements of bank lending will provide opportunities to diversify and modernize the procedures for granting, repayment and credit guarantee to correlate products offer credit demands and customer needs. In this regard, the related objectives of this work are oriented to emphasize the positive impact of the adoption of modern information technologies in decision making in the banking field. The proposed objectives are justified by presenting solutions support system of credit decision which aims to automate ongoing operations specific to a banking allowing bank clerks to process a large number of loan applications in a time very short and to the right decisions and substantiated.

  14. 12 CFR 560.100 - Real estate lending standards; purpose and scope.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Real estate lending standards; purpose and... § 560.100 Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart....S.C. 1828(o), prescribe standards for real estate lending to be used by savings associations and all...

  15. Industries and the bank lending effects of bank credit demand and monetary policy in Germany

    NARCIS (Netherlands)

    Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

    2006-01-01

    This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions

  16. The Impact of Federal Preemption of State Antipredatory Lending Laws on the Foreclosure Crisis

    Science.gov (United States)

    Ding, Lei; Quercia, Roberto G.; Reid, Carolina K.; White, Alan M.

    2012-01-01

    State antipredatory lending laws (APLs) are designed to protect borrowers against predatory lending that can increase the risk of default and deplete the home equity held by borrowers. Federal regulators instituted preemption that limited the scope and reach of state antipredatory lending regulations for certain lenders. Based on the variation in…

  17. Spent fuel dry storage in Hungary

    International Nuclear Information System (INIS)

    Buday, G.; Szabo, B.; Oerdoegh, M.; Takats, F.

    1999-01-01

    Paks Nuclear Power Plant is the only NPP in Hungary. It has four WWER-440 type reactor units. Since 1989, approximately 40-50% of the total annual electricity generation of the country has been supplied by this plant. The fresh fuel is imported from Russia. Most of the spent fuel assemblies have been shipped back to Russia. Difficulties with spent fuel transportation to Russia have begun in 1992. Since that time, some of the shipments were delayed, some of them were completely cancelled, thus creating a backlog of spent fuel filling all storage positions of the plant. To provide assurance of the continued operation, Paks NPPs management decided to implement an independent spent fuel storage facility and chose GEC-Althom's MVDS design. The construction of the facility started in February 1995 and the first spent fuel assembly was placed in the store in September 1997. The paper gives an overview of the situation, describing the conditions leading to the construction of the dry storage facility at Paks and its implementation. Finally, some information is given about the new Public Agency for Radioactive Waste Management established this year and responsible for managing the issues related to spent fuel management. (author)

  18. Countrywide Environmental Radiation Monitoring in Hungary

    International Nuclear Information System (INIS)

    Golder, F.; Osvay, M.

    1998-01-01

    Hungary has a countrywide early warning radiation monitoring network which consist of about 70 stations in an on-line connection with the Emergency Information Center of the National System for Nuclear Emergency Preparedness. The system consists of a variety of stations and organizations including Hungarian Meteorological Service, Ministry of Environment and Regional Policy operate their own networks which are not connected with the central system, but could in certain cases exchange the data. The overall impression of the early warning for the radiation emergency is very good, as the system is in the 24 hours on-line mode and raise alarm immediately if the measured values exceed the preset limit. It this respect, the organization appears very good and capable (together with laboratory services) to assure reasonable protection of the population. The possibility to measure the radioactivity in the environment, food and water exist through a series of laboratories, which operate throughout the country. Those appear to be reasonably well equipped and both the knowledge and the experience of their staff appear very high. The same applies for the tools and methods used to forecast the impact and the consequences. (author)

  19. Hungary making progress toward free market

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    This paper reports that the Hungarian government made major progress in reorienting the energy sector toward a market economy in 1991. A study conducted by the International Energy Agency the progress was particularly evident in price reform and restructuring of the Hungarian energy industry. The pace of change has accelerated. Effective with fourth quarter 1991 through 1992 all the main energy enterprises will begin operating under new structures. Assuming that liberalized energy prices are set by suppliers to cover their costs and local governments do not subsidize district heating prices, all energy prices are to be at least at their economic cost level by mid-1992, IEA the. Some prices will be above this level because of sales taxes on gasoline and diesel and taxes on all imported energy. Hungary depends on imports for about half of its primary energy supply. Because domestic production has peaked, the share of imports will rise if consumption, after a likely further decline in the short term, returns to an upward trend

  20. 222Rn in wine cellars in Hungary

    International Nuclear Information System (INIS)

    Csige, I.; Hunyadi, I.; Szerbin, P.; Juhasz, L.

    2004-01-01

    We measured seasonal average 222 Rn activity concentrations in the air of 60 wine cellars in the Tokajhegyalja and Villany wine regions of Hungary using Radamon type etched track radon detectors. The exposure period was 3 months, matching the seasons of 2003-2004. We also used an ionization chamber-type continuous 222 Rn-monitor (AlphaGUARD PQ222, Genitron Instruments, Germany) to study temporal variations of 222 Rn activity concentration in a selected wine cellar in the Tokajhegyalja wine region. This instruments also recorded temperature, atmospheric pressure and relative humidity data. The etched track detector data revealed that the 222 Rn activity concentrations in the air of wine cellars spread over a wide range, from the ambient outdoor concentration of 6 Bq.m -3 up to 6 kBq.m -3 characteristic of natural caves. The temporal variation of 222 Rn activity concentration in the air of the selected cellar varied inversely with the variation of the atmospheric pressure. Earlier we observed similar phenomena in natural karstic caves connected to the surface with vertical shafts only. This suggests that relatively large volume of pore space of the embedding rock communicates with the volume of the cellar induced by the variation of the atmospheric pressure

  1. Geodiversity and land degradation in Hungary

    Science.gov (United States)

    Őrsi, Anna

    2014-05-01

    Geodiversity represents a variety of natural values, but they are threatened by a series of anthropogenic activities and land degradation processes. Their effect depends on the intensity of the processes and the sensitivity of the area in question. As a consequence of land degradation processes not only biodiversity but also geodiversity can be damaged and deteriorated. The appearance of the natural landscape changes and natural processes may not have a decisive role in landscape development any more. Some of the damages are irreversible because fundamental changes happen in the landscape, or the processes having created the original forms are no longer in operation. Small scale land degradation processes may be reversible if nature is still capable of reproducing the original state. The most important land degradation processes are desertification and soil erosion. Mining, waste disposal, urbanisation and construction activities, agriculture, inaccurate forest and water management, tourism, unsuitable land use can also lead to severe land degradation problems. The objective of the paper is to show Hungarian examples to all land degradation processes that threaten geodiversity. The results will be shown on a series of maps showing land degradation processes endangering geodiversity in Hungary. A detailed analysis of smaller study sites will be provided to show the effects of certain land degradation processes on landform development and on the changes of geodiversity. This research is supported by the Hungarian Scientific Research Fund (OTKA), project Nr. 10875.

  2. The Army Ethic

    Science.gov (United States)

    2015-06-12

    The Constitution and Declaration of Independence simultaneously hold two different views of human nature, an individualist and a collectivist view...Profession, defines the Army Ethic as “the evolving set of laws, values, and beliefs, deeply embedded within the core of the Army culture and...incorporate other viewpoints or respond to shifts in morality, religion, economics, and other socio- cultural factors. This thesis will use the term

  3. The Total Army

    Science.gov (United States)

    2016-01-01

    http://thediplomat.com/2015/04/chinas-growing-cyberwar-capabilities/ (accessed April 25, 2016); Nicolas Giacometti, “China’s Nuclear Modernization and...link between the operational and tactical levels of war.48 47. Michelle Tan , “US Army Generals Criticize Outdated Deployment Model: ‘We’ve Gotten...unveils-its-big-8-initiatives/81882852/ (accessed March 16, 2016). 58. Michelle Tan , “US Army Generals Criticize Outdated Deployment Model: ‘We’ve

  4. Army Leader Transitions Handbook

    Science.gov (United States)

    2008-01-01

    The courseware allows users to tailor training materials to specific needs. Users access this at the CAL AKO website or Army eLearning https...usarmy.skillport.com/ skillportfe/login/usarmylogin.cfm. New users must register with eLearning . Then login, select “Army Custom Curricula” and scroll to...challenges of your transition. Patience, flexibility and a good understanding of influence techniques on your part will help make any needed realignment a

  5. Case concerning Gabcikovo-Nagymaros project (Hungary/Slovakia). Judgement

    International Nuclear Information System (INIS)

    1997-01-01

    Hungary and Czechoslovakia in 1977 concluded a treaty for the building of dam structures in Slovakia and Hungary for the production of electric power, flood control and improvement of navigation on the Danube. In 1989 Hungary suspended and subsequently abandoned completion of the project alleging that it entailed grave risks to the Hungarian environment and the water supply of Budapest. Slovakia (successor to Czechoslovakia) denied these allegations and insisted that Hungary carry out its treaty obligations. It planned and subsequently put into operation an alternative project only on Slovak territory, whose operation had effects on Hungary's access to the water of the Danube. In this judgement, the Court found: (1) that Hungary was not entitled to suspend and subsequently abandon, in 1989, its part of the works in the dam project, as laid down in the treaty signed in 1977 by Hungary and Czechoslovakia and related instruments; (2) that Czechoslovakia was entitled ti start, in November 1991, preparation of an alternative provisional solution (called V ariant C ) , but not to put that solution into operation in October 1992 as a unilateral measure; (3) that Hungary's notification of termination of the 1977 Treaty and related instruments on 19 May 1992 did not legally terminate them (and they are consequently still in force and govern the relationship between the Parties); (4) and that Slovakia, as successor to Czechoslovakia became a party the Treaty of 1997.As to the future conduct of the Parties, the Court found: (1) that Hungary and Slovakia must negotiate in good faith in the light of the prevailing situation, and must take all necessary measures to ensure the achievement of the objectives of the 1997 Treaty; (2) that, unless the Parties agree otherwise, a joint operational regime for the dam on Slovak territory must be established in accordance with the Treaty of 1977; (3) that each Party must compensate the other Party for the damage caused by its conduct; (4

  6. Co-operation in nuclear development: The case of Hungary

    International Nuclear Information System (INIS)

    Kroen, H.

    1990-01-01

    Hungary became a Member of the IAEA in 1957 and has participated in the programme of technical assistance and co-operation from its start in 1958. By the end of 1976, Hungary ranked as the fifteenth largest recipient of IAEA technical assistance. Since then, there has been a significant increase in overall technical co-operation activities, and by the end of 1988 a total of over US $9.5 million of assistance had been received by Hungary, making it the fifth largest recipient of all Member States. In view of this situation, a special evaluation review was carried out in 1989 of the IAEA's technical co-operation programme in Hungary over the period 1976-1989. This evaluation review has shown that, simultaneously with the increase in the IAEA's support, there has been a rapid development in Hungary of the national nuclear infrastructure and this has permitted the country to absorb and utilize the assistance provided to the maximum extent. 7 figs

  7. Regulatory aspects of uranium remediation in Hungary

    International Nuclear Information System (INIS)

    Csoevari, M.; Csicsak, J.; Lendvai, Zs.; Varhegyi, A.; Nam, A.

    2001-01-01

    In Hungary, there are numerous acts and decrees concerning the uranium ore mining remediation, including the aspects of radiation protection and release limits. The most important ones are: Mining Act, Atomic Energy Act, Environmental Protection Act, Water Management Act, Government Decrees No. 115/1993 and 152/1995. For radiation protection regulation the baselines are codified in the Hungarian National Standard MSZ 62/1-1989, while the release limits are prescribed in the order No. 3/1984 of Hungarian Water Authority (OVH), and in the standard MSZ 450/1-1989. According to the above documents, the limits for annual effective dose-equivalent are: (a) 50 mSv for persons occupied in nuclear industry or working with radioactive isotopes, this is relevant to mining and processing of uranium ore, (b) 5 mSv for the critical group of members of the public, in the case of long exposure this value could not exceed 1 mSv/a. In accordance to the EC directives, it is expected that the limit for the public will be decreased soon to 1 mSv/a. Release limits for discharge of natural radionuclides (U, Th, Ra, Rn) in surface water: (a) for uranium maximum 2 mg/dm 3 , (b) for radium-226 maximum 1.1 Bq/dm 3 . There are no general discharge limits for other pollutants in waste water, but the competent authorities may give individual limits if asked. Detailed limits are given only for drinking water for toxic and chemical components. Release limits for discharge of heavy metals are listed in order No. 3/1984 OVH. Of course, numerous licenses and permissions have to be obtained for remediation. The most important ones are the Environmental Protection Permission, based on a detailed environmental impact assessment, and the technical reclamation plans. Numerous authorities are involved in the licensing procedures (e.g. Mining Authority, Environmental Protection Authority, Water Authority, National Municipal Health Authority, etc.). (author)

  8. Monetary policy, bank size and bank lending: Evidence from Australia

    OpenAIRE

    Liu, Luke

    2011-01-01

    The transmission of monetary policy may hold the key to explaining the effects of policy on the economy. The objective of the study is to assess the importance of the bank lending channel in the transmission of monetary policy in Australia. In this paper, we found that the effectiveness of monetary policy varies with the size of the bank as well as the type of the loan. For different asset size and different kinds of loans, the effect of monetary policy is different. Thus, policy has distribu...

  9. Army Healthcare Enterprise Management System

    National Research Council Canada - National Science Library

    2001-01-01

    ... to buy the Enterprise Management System. The Information Technology Business Center provides information technology services to Fort Sam Houston tenants which include the Army Medical Command and the Army Medical Department Center and School...

  10. Army Business Transformation - Next Steps

    National Research Council Canada - National Science Library

    2006-01-01

    As a follow-on to the Army Science Board 2005 Summer Study on Best Practices, the Army Science Board was tasked to identify areas where alternative approaches and application of transforming practices...

  11. Allowance officers Russian and Austro-Hungarian armies on the eve of the First World War

    Directory of Open Access Journals (Sweden)

    Alexander P. Abramov

    2016-09-01

    Full Text Available On the basis of historical material provides information on measures of state and military administration on the eve of the First World War to improve the welfare of Russian officers and Austro-Hungary, through various forms of material incentives, which are reflected in the cash payments, promotions, awards and social guarantees. On the basis of archival materials of the study period, open scientific publications and Internet resources there are disclosed the features of the destination of salaries, various allowances and compensations Russian army in comparison to the Austro-Hungarian army, who spoke Russian opponent in the First World War. The author notes that the existing system of money allowances in the Russian army was more advantageous than in the Austro-Hungarian army. However, neither one nor the other could not fully meet the needs of the majority of officers of both armies, entered as opponents in the First World War. One of its major shortcomings, both in Russia and in the Austro-Hungarian Empire, was a wide gap in the amounts of all kinds of money allowances between chief officers, staff officers and generals.

  12. Army Contract Writing System (ACWS)

    Science.gov (United States)

    2016-03-01

    2016 Major Automated Information System Annual Report Army Contract Writing System (ACWS) Defense Acquisition Management Information Retrieval...Information 4 Responsible Office 4 References 4 Program Description 5 Business Case 5 Program Status 6 Schedule 7 Performance...Program Information Program Name Army Contract Writing System (ACWS) DoD Component Army Responsible Office Program Manager References MAIS

  13. Storage experience in Hungary with fuel from research reactors

    International Nuclear Information System (INIS)

    Gado, J.; Hargitai, T.

    1996-01-01

    In Hungary several critical assemblies, a training reactor and a research reactor have been in operation. The fuel used in the research and training reactors are of Soviet origin. Though spent fuel storage experience is fairly good, medium and long term storage solutions are needed. (author)

  14. COENOLOGICAL STATUS OF THE IRIS MEADOWS IN HUNGARY

    Directory of Open Access Journals (Sweden)

    E. SALAMON-ALBERT

    2010-04-01

    Full Text Available Species composition and vegetation structure by association and local diagnostic, constant and dominant species of Iridetum sibiricae was analysed from Hungary adjusting to the evaluation of European vegetation. Classification, ordination and statistical analyses was carried out to characterize and make distinction to some other wet meadow vegetation types. In the association habitat and management dependent subunits were formed.

  15. Creation and Characteristics of the New Fundamental Law of Hungary

    Czech Academy of Sciences Publication Activity Database

    Halász, Ivan

    2011-01-01

    Roč. 150/1, č. 9/2 TLQ (2011), s. 85-105 ISSN 0231-6625 Institutional research plan: CEZ:AV0Z70680506 Keywords : constitutional law * Fundamental Law of Hungary * Hungarian constitutional system Subject RIV: AG - Legal Sciences

  16. Youth Unemployment and Labour Market Transitions in Hungary

    Science.gov (United States)

    Audas, Rick; Berde, Eva; Dolton, Peter

    2005-01-01

    Unemployment and labour market adjustment have featured prominently in the problems of transitional economies. However, the position of young people and their transitions from school to work in these new market economies has been virtually ignored. This paper examines a new large longitudinal data set relating to young people in Hungary over the…

  17. Development of Integrated Public Administration Custom Services in Hungary.

    Science.gov (United States)

    Laki, Tamas

    2015-01-01

    The paper is a case-study introducing a national project in Hungary establishing a countrywide public administration customer service system where accessibility was a key issue. Starting from the concept the paper describes the methods and organisational background how accessible design was integrated in the planning method and gives a feedback of site experiences.

  18. Teaching the System of Social Policy in Hungary

    Science.gov (United States)

    Talyigas, Katalin

    2008-01-01

    Provides an inside perspective on the development of social work education in Hungary during the final years of communism and after the country regained its independence, when there was a strong focus on re-introducing social work and social sciences which had been repressed by the socialist regime in its denial of social problems and thus, its…

  19. The impact of monetary policy on bank lending rate in South Africa

    Directory of Open Access Journals (Sweden)

    B.T. Matemilola

    2015-03-01

    Full Text Available The pass-through of the policy rates to bank lending rate is an important subject matter because it measures the effectiveness of monetary policy to control inflation or stabilize the economy. This study investigates the long-run interest rate pass-through of the money market rate to the bank lending rate and asymmetric adjustment of the bank lending rate. The study applies the momentum threshold autoregressive and asymmetric error correction models. The asymmetric error correction results reveal that bank lending rate adjusts to a decrease in the money market rate in South Africa. The findings suggest that the South African commercial banks adjust their lending rate downward but the lending rate appears rigid upward, which supports the customer reaction hypothesis.

  20. Capital Requirements, Monetary Policy, and Aggregate Bank Lending: Theory and Empirical Evidence.

    OpenAIRE

    Thakor, Anjan V

    1996-01-01

    Capital requirements linked solely to credit risk are shown to increase equilibrium credit rationing and lower aggregate lending. The model predicts that the bank's decision to lend will cause an abnormal run-up in the borrower's stock price and that this reaction will be greater the more capital-constrained the bank. The author provides empirical support for this prediction. The model explains the recent inability of the Federal Reserve to stimulate bank lending by increasing the money suppl...

  1. Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China

    Science.gov (United States)

    SHEN, YAN; SHEN, MINGGAO; XU, ZHONG; BAI, YING

    2014-01-01

    Summary Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks’ decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs. PMID:26052179

  2. Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China.

    Science.gov (United States)

    Shen, Yan; Shen, Minggao; Xu, Zhong; Bai, Ying

    2009-04-01

    Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks' decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs.

  3. Kiva.org: Crowd-Sourced Microfinance & Cooperation in Group Lending

    OpenAIRE

    Hartley, Scott

    2010-01-01

    At the end of 2008 Kiva.org announced the creation of “Lending Teams,” or cohesive open or closed membership groups established and categorized according to scope. These Lending Teams introduce forms of cooperative many-to-one and many-to-many group lending, based on tenuous concepts of identity. Groups vary according to category, size, scope, and activity, and this impacts participatory vitality of crowd-sourced lending. Looking specifically at Kiva.org as a prominent online community for p...

  4. The Army Lawyer

    Science.gov (United States)

    2007-07-01

    authors in the articles do not necessarily reflect the view of The Judge Advocate General or the Department of the Army. Masculine or feminine...for the hegemonic power (read ‘United States’) and its followers to determine international public enemy on a case-by-case basis. A legal

  5. Army Sustainability Report 2010

    Science.gov (United States)

    2011-09-01

    the Fairfax Village Neighborhood Center’s native plant and butterfly garden. The center is the first LEED platinum military project (photo: US Army... Bush in 2007. 11 Statement of Deputy Under Secretary of Defense for Strategy, Plans, and Forces, Kathleen Hicks before the Senate Environment and

  6. Determinants of loan maturity in small business lending

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-06-01

    Full Text Available This paper investigates the determinants of loan maturity of small and medium enterprises (SMEs in the context of Visegrad countries: Czech Republic, Slovak Republic, Poland, and Hungary. The data of instead of for this paper was obtained from the Business Environment and Enterprise Performance Survey (BEEPS, which is a joint project of the European Bank for Reconstruction and Development and the World Bank. By using a binary logistic model, we have found that loan maturity is shorter for older and mature firms, firms owned by female and firms experiencing a shortage of liquidity. At the same time, we have also found that firms having concentrated ownership structure and more tangible assets can borrow for a longer period. In addition to that, we have found evidence that loan maturity is longer for the firms located closer to a bank branch. We also provide empirical support for the assumption that bank low competition is associated with longer maturity. From the obtained results, we may recommend SMEs to borrow from banks that are within their vicinity since this may increase the maturity of loans. Policy makers are recommended to implement policies so that to alleviate gender-related discrimination and take initiatives to moderate the level of competition at this market.

  7. IAEA Completes Nuclear Security Review Mission in Hungary

    International Nuclear Information System (INIS)

    2013-01-01

    Full text: A team of International Atomic Energy Agency (IAEA) experts today completed a mission to review nuclear security practices in Hungary. At the request of the Government of Hungary, the IAEA conducted the two-week International Physical Protection Advisory Service (IPPAS) mission that reviewed the nation's nuclear security-related legislative and regulatory framework, physical protection systems at Hungarian nuclear facilities, and security arrangements applied to the transport of nuclear and radioactive materials. The IAEA team was led by Stephen Ortiz of the United States and included nine experts from six nations and the IAEA. The team met in Budapest with officials from the Hungarian Atomic Energy Authority, Hungarian Police Headquarters, National Security Authority and other relevant agencies. They also conducted site visits to the Paks Nuclear Power Plant, the Interim Spent Fuel Storage Facility, the Budapest Research Reactor, the Budapest Training Reactor, the Radioactive Waste Treatment and Disposal Facility and several other locations where high activity radioactive sources are used for different applications. ''At a time where development of a nuclear power programme is more than ever recognised as necessitating a strong commitment to safety, security and sustainability, the example given today by Hungary strengthens the message about the value of applying the IAEA Security Guidance,'' said IAEA Deputy Director General for Nuclear Safety and Security, Denis Flory, who opened the mission. ''Indeed, IPPAS missions, carried out at the appropriate time in the development of a nuclear power programme, provide valuable insights into how best to reach that goal.'' The IPPAS team concluded that nuclear security within Hungary has been significantly enhanced in recent years. The team also identified a number of good practices at the nation's nuclear facilities, and provided some recommendations and suggestions to assist Hungary in the continuing

  8. Department of the Army - The Fiscal Year 2008 Military Personnel, Army Appropriation and the Antideficiency Act

    Science.gov (United States)

    2010-06-22

    of the Army, U.S. Army Audit Agency, Budgeting for the Military Personnel, Army Appropriation, Report No. A-2010-0028- FFM (Jan. 6, 2010); Department...of the Army, U.S. Army Audit Agency, Military Personnel, Army FY 05 Subsistence Charges, Report No. A-2008-0037- FFM (Feb. 12, 2008); Department of

  9. Who Gets the Credit? And Does it Matter? Household vs Firm Lending Across Countries

    NARCIS (Netherlands)

    Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.

    2009-01-01

    While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending

  10. Who gets the credit? And does it matter? Household vs firm lending across countries

    NARCIS (Netherlands)

    Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.

    2012-01-01

    While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending

  11. 12 CFR 528.2 - Nondiscrimination in lending and other services.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nondiscrimination in lending and other services. 528.2 Section 528.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION REQUIREMENTS § 528.2 Nondiscrimination in lending and other services. (a) No savings association...

  12. 12 CFR 614.4100 - Policies governing lending through Federal land bank associations.

    Science.gov (United States)

    2010-01-01

    ... lending through Federal land bank associations. (a) Farm Credit Banks and agricultural credit banks may delegate authority to make credit decisions to Federal land bank associations that demonstrate the ability... Farm Credit Bank and each agricultural credit bank lending through Federal land bank associations shall...

  13. Does Discretion in Lending Increase Bank Risk? Borrower Self-Selection and Loan Officer Capture Effects

    NARCIS (Netherlands)

    Gropp, R.; Grundl, C.; Guttler, A.

    2012-01-01

    Abstract: In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.

  14. Does Discretion in Lending Increase Bank Risk? Borrower Self-Selection and Loan Officer Capture Effects

    NARCIS (Netherlands)

    Gropp, R.; Grundl, C.; Guttler, A.

    2012-01-01

    In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.Consistent

  15. 12 CFR Appendix III to Part 27 - Fair Housing Lending Inquiry/Application Log Sheet

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Fair Housing Lending Inquiry/Application Log Sheet III Appendix III to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. III Appendix III to Part 27—Fair Housing Lending...

  16. 37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

    Science.gov (United States)

    2010-07-01

    ... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... packaging that contains the computer program which is lent by a nonprofit library for nonprofit purposes. (b...

  17. Lending Policies of Informal, Formal, and Semi-formal Lenders: Evidence from Vietnam

    NARCIS (Netherlands)

    Lensink, B.W.; Pham, T.T.T.

    2007-01-01

    This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related

  18. Lending policies of informal, formal and semiformal lenders - Evidence from Vietnam

    NARCIS (Netherlands)

    Pham, Thi Thu Tra; Lensink, Robert

    2007-01-01

    This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related

  19. Credit Booms and Lending Standards : Evidence from the Subprime Mortgage Market

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Igan, D.; Laeven, L.

    2009-01-01

    This paper links the current subprime mortgage crisis to a decline in lending standards associated with the rapid expansion and changes in the structure of this market. We show that lending standards declined more in areas that experienced faster credit growth. We also find that the entry of new

  20. Lend Global, Fund Local? Price and Funding Cost Margins in Multinational Banking

    NARCIS (Netherlands)

    Galema, R.; Koetter, M.; Liesegang, C.

    2016-01-01

    In a proposed model of a multinational bank, interest margins determine local lending by foreign affiliates and the internal funding by parent banks. We exploit detailed parent-affiliate-level data of all German banks to empirically test our theoretical predictions in pre-crisis times. Local lending

  1. Army Programs: Army Finance and Accounting Quality Assurance Program

    National Research Council Canada - National Science Library

    1988-01-01

    This regulation discusses the primary responsibilities of commanders and staff officers at installation and higher levels for execution of the Army Finance and Accounting Quality Assurance (QA) Program...

  2. Tax wedge in Croatia, Austria, Hungary, Poland and Greece

    Directory of Open Access Journals (Sweden)

    Marin Onorato

    2016-06-01

    Full Text Available The aim of this paper is to compare the tax burden on labour income in Croatia, Austria, Greece, Hungary and Poland in 2013. The Taxing Wages methodology has been applied to hypothetical units across a range of gross wages in order to calculate net average tax wedge, net average tax rate, as well as other relevant indicators. When it comes to single workers without children, the smallest tax wedge for workers earning less than the average gross wage was found in Croatia, while Poland had the smallest tax wedge for above-average wages. Due to a progressive PIT system, the tax wedge for a single worker in Croatia reaches 50% at 400% of the average gross wage, equalling that of Austria, Greece and Hungary. Tax wedges for couples with two children show a similar trend.

  3. Tobacco industry efforts to erode tobacco advertising controls in Hungary.

    Science.gov (United States)

    Szilágyi, T; Chapman, S

    2004-12-01

    To review strategies of transnational tobacco companies (TTCs) at creating a favourable advertising environment for their products in Hungary, with special regard to efforts resulting in the liberalisation of tobacco advertising in 1997. Analysis of internal tobacco industry documents relevant to Hungary available on the World Wide Web. Transcripts of speeches of members of the Parliament during the debate of the 1997 advertising act were also reviewed. The tobacco companies not only entered the Hungarian market by early participation in the privatisation of the former state tobacco monopoly, but also imported theirsophisticated marketing experiences. Evasion and violation of rules in force, creation of new partnerships, establishment and use of front groups, finding effective ways for influencing decision makers were all parts of a well orchestrated industry effort to avoid a strict marketing regulation for tobacco products.

  4. General properties of grapevine viruses occurring in Hungary

    Directory of Open Access Journals (Sweden)

    Eszter Cseh

    2012-03-01

    Full Text Available The past fifty years important advances have been made in the field of grapevine virus research, including characterization of pathogens and control measurements. Still the occurrence of Grapevine fanleaf virus (GFLV, Arabis mosaic virus (ArMV, Tomato black ring virus (TBRV, Grapevine chrome mosaic virus (GCMV, Alfalfa mosaic virus (AMV, Grapevine Bulgarian latent virus (GBLV, Grapevine fleck virus (GFkV, Grapevine leafroll- associated viruses (GLRaV1-4, Grapevine virus A (GVA, Grapevine virus B (GVB and Grapevine rupestris stem pitting- associated virus (GRSPaV have been reported in Hungary and characterized by conventional methods as woody indexing, herbaceous indexing and serological methods. Among grapevine viruses the Grapevine line pattern virus (GLPV seems to be uncial; because it was reported only in Hungary. Causal agents of several grapevine diseases, like enation, vein necrosis and vein mosaic remained undiscovered. These virus-like diseases occurred only sporadically, without economic importance.

  5. Union Directions - Army Response.

    Science.gov (United States)

    1985-12-06

    reflects the long-held belief in the Army that employee participation in decisions that affect their worklife is healthy and desirable. Although some...pluralistic society, checks and balances are as important for the economy as for the government. Business executives who salivate at the thought of vanishing...Unions. Reading, MA: Addison-Wesley, 1976. 37. National Federation of Federal Employees. NFFE’s Guide to Quality of Worklife Programs. No. G-21

  6. Operationalizing Army Cyber

    Science.gov (United States)

    2013-03-01

    killed just under 3,000 people and cost the U.S. economy somewhere between three and five trillion dollars. The Japanese attacked with a state... economy , and military readiness. The challenge is to design an Army Cyber force that can support the United States Cyber Command (USCYBERCOM) national...still keeps the intelligence and signal functions separate in most units today from battalion to echelon above Corps ( EAC ). There are many past reasons

  7. 2007 Army Modernization Plan

    Science.gov (United States)

    2007-03-01

    Additional confi gurations include two NATO li ers with patients and one medical a endant. The aircra has a hoist for use in emergency...including airframes, wiring bundles and hydraulic systems on the remanufactured CH-47Fs are new. Program Status. The Army received its fi rst fully...Expansible Van and the 10T Dump Truck. Another new variant, the FMTV-Load Handling System, is expected to be fi elded in late-2007, initially to medical

  8. 1998 Army Modernization Plan

    Science.gov (United States)

    1998-01-01

    Biological (CB) Protective Duty Uniform (STO) • Biometrics (SRO) • Nanoscience (SRO) • Millimeter Wave Material and Dissemination Technology... Biometrics and Nanoscience SROs will enable the development of advanced NBC detection and characterization systems, including the exploitation of biologically...Requirements Trailers • Procure HEMAT Trailers Figure K-23 K-19 //;<?. U.S. Army 1997Modernization Plan This final fleet assessment, made against the

  9. DISPOSAL OF LOW AND INTERMEDIATE LEVEL WASTE IN HUNGARY

    Directory of Open Access Journals (Sweden)

    Bálint Nős

    2012-07-01

    Full Text Available There are two operating facilities for management of low and intermediate level radioactive waste in Hungary. Experience with radioactive waste has a relatively long history and from its legacy some problems are to be solved, like the question of the historical waste in the Radioactive Waste Treatment and Disposal Facility (RWTDF. Beside the legacy problems the current waste arising from the Nuclear Power Plant (NPP has to be dealt with a safe and economically optimized way.

  10. Bovine besnoitiosis emerging in Central-Eastern Europe, Hungary

    OpenAIRE

    Hornok, Sándor; Fedák, András; Baska, Ferenc; Hofmann-Lehmann, Regina; Basso, Walter

    2014-01-01

    BACKGROUND: Besnoitia besnoiti, the cause of bovine besnoitiosis, is a cyst-forming coccidian parasite that has recently been shown to be spreading in several Western and Southern European countries. FINDINGS: Clinical cases of bovine besnoitiosis were confirmed for the first time in Hungary, by histological, serological and PCR analyses. CONCLUSIONS: This is the first report of autochthonous bovine besnoitiosis in Central-Eastern Europe. The emergence of bovine besnoitiosis in this region re...

  11. Results of Research about Consciousness of Foodstuff Consumers in Hungary

    Directory of Open Access Journals (Sweden)

    Ibolya Bravacz

    2013-10-01

    How self-restrictive and self-conscious are we when purchasing and consuming foodstuff? – with every foodstuff purchase we make decisions about our environment, which indirectly has an effect on the producers, manufacturers and dealers. I will briefly review the foodstuff consumers segments in Hungary, which first have been identified using factor analysis followed by cluster analysis. I have identified the following consumer groups based on health consciousness: Conscious majority, Conscious by commitment, Economist “housewife”, Youthfully eclectic and Passives.

  12. The intellectual background of nuclear energy in Hungary

    International Nuclear Information System (INIS)

    Vajda, Gy.

    1998-01-01

    The education and training of nuclear specialists in Hungary has a long history, since several Hungarian nuclear scientists emigrated to the West before the second war. Some became Nobel-prize winners. In domestic universities, the education of nuclear science and technology has been also preferred. When the first Hungarian nuclear power plant in Paks started operation, well-trained specialists were available to operate it. The present opportunities for nuclear training and education are highlighted. (R.P.)

  13. An overview of the status of radiochemical analysis in Hungary

    International Nuclear Information System (INIS)

    Solymosi, J.; Toth, G.

    1994-01-01

    This overview covers the following activities at radioanalytical laboratories in Hungary: tracer techniques and their applications; some important new results; radioimmunoassay; x-ray emission analysis and x-ray fluorescence analysis, Moessbauer-spectroscopy and their applications in various fields of science and technology; neutron activation analysis; radiochemical analysis for nuclear power plant applications activities in various laboratories; nuclear environmental analysis (radioanalytical methods for the investigation of contamination by nuclear facilities). (N.T.) 1 fig.; 7 tabs

  14. Gas regulation in Hungary. 5 years after privatization

    International Nuclear Information System (INIS)

    Varro, L.

    2002-01-01

    The political-economic environment of gas regulation in Hungary is characterized by: Unsustainable starting position; Gas a a default fuel (growth prospects); Scarce domestic capital; serious household exposure, political sensitivity.Import gas prices and the recommended regulatory bans are discussed.Future transmission and storage tariffs are about 12 euro/1000 m 3 and around 7 euro/1000 m 3 , resp. (R.P.)

  15. Bone tuberculosis in Roman Period Pannonia (western Hungary

    Directory of Open Access Journals (Sweden)

    Tamás Hajdu

    2012-12-01

    Full Text Available The purpose of this study was to analyse a skeleton (adult female, 25-30 years that presented evidence of tuberculous spondylitis. The skeleton, dated from the Roman Period (III-VI centuries, was excavated near the town of Győr, in western Hungary. The skeleton was examined by gross observation supplemented with mycolic acid and proteomic analyses using MALDI-TOF/TOF tandem mass spectrometry. The biomolecular analyses supported the morphological diagnosis.

  16. The Changes of Ergonomics in Hungary and Engineering Education

    OpenAIRE

    Istvan Lükö

    2013-01-01

    Modern engineer training is not conceivable without knowledge of work psychology and ergonomics. In this paper, we would like to outline the situation of work psychology and ergonomics as well as their changes in Hungary. The technical approach to health and safety is linked to human health care, and, through that, to ergonomics. The traditional notion of ergonomics is the 'ergonomics of scales, levers and pedals', which has now become a field of research helping the development of socio-tech...

  17. Modeling maize response to climate modification in Hungary

    OpenAIRE

    Angela Anda

    2006-01-01

    Modeling provides a tool for a better understanding of the modified plant behaviour that results from various climatic differences. The present study provides new information about the physiological processes in maize (Zea mays L.) in response to climatic changes. The aim was to help local farmers adapt to climate modifications in Hungary and mitigate the future consequences of these changes. A simulation model was applied to estimate the possible feedback on crop properties and elevated CO2....

  18. CLIMATE CHANGE AND HEALTH – CHALLENGES FOR HUNGARY

    OpenAIRE

    Anna Paldy; Janos Bobvos

    2010-01-01

    In Hungary detailed research work has been carried out since several years to help the process of getting prepared and adapted to the impacts of climate change. The research activities concerned mainly the health impacts of heat waves (excess mortality). Based on the results of the time series statistical analysis of weather variables and daily mortality of Budapest, it was found that a 5º C increase of the daily mean temperature increases of the risk of all cause mort...

  19. Fostering intentional interdisciplinary leadership in developmental disabilities: the North Carolina LEND experience.

    Science.gov (United States)

    Rosenberg, Angela; Margolis, Lewis H; Umble, Karl; Chewning, Linda

    2015-02-01

    This study describes the effects of interdisciplinary leadership training on a retrospective cohort (2001-2009) of the University of North Carolina MCH Leadership Education in Neurodevelopmental and Related Disabilities (UNC-CH LEND) program, including LEND graduates who were selected to participate in a focused Interdisciplinary Leadership Development Program (ILDP) in addition to their LEND training. Specifically, the study examined graduates' reports of the relationship between LEND training and their attitudes/beliefs about interdisciplinary practice, as well as their reported use of interdisciplinary skills in their post-fellowship practice settings. Using a post-test design, participants in the LEND and ILDP programs were contacted to complete an on-line survey. Using a Conceptual Model guided by EvaluLEAD, respondents were asked to rate the influence of the UNC-LEND training program on their attitudes/beliefs and skills using a 5-point Likert scale, as well as through open-ended descriptions. The 49 LEND respondents represented a 56% overall response rate from years 2001-2009. ILDP participants reported greater agreement with interdisciplinary attitudes/beliefs and more frequent use of interdisciplinary skills than did the non-participants. Graduates of LEND as well as ILDP reported the influence of training through a range of qualitative responses. Response examples highlight the influence of LEND training to promote outcomes at the individual, organizational and systems level. Findings from this study illustrate that MCHB funded LEND training has a strong influence on the future employment and interdisciplinary practices of graduates for the MCH workforce as well as services for individuals with developmental disabilities, their families and systems of care.

  20. Army Healthcare Enterprise Management System

    National Research Council Canada - National Science Library

    2001-01-01

    .... The complaint alleged that the Army Healthcare Enterprise Management System was not properly competed, potential conflicts of interest existed, and possible contract performance problems existed...

  1. Government chartered banks step up oil and gas lending

    International Nuclear Information System (INIS)

    Crow, P.

    1994-01-01

    International government chartered banks are playing an increasingly prominent role in lending for world oil and gas development projects. The main players are the World Bank's International Finance Corp. (IFC), European Bank for Reconstruction and Development (EBRD), US Export-Import Bank, and Overseas Private Investment Corp. (OPIC). Those institutions and similar ones are the catalysts for a large number of projects in the former Soviet Union (FSU) and in other nations that are seeking to develop oil and gas resources and build processing plants, pipelines, and distribution networks. Banks also are taking a greater degree of interest in the environmental aspects of projects. In country after country, especially in the developing world, barriers to foreign investment in domestic petroleum sectors are falling. Oil and gas law reforms are under way on each continent. The paper discusses the major players, the World Bank grouped, the Romanian example, the Ex-Im Bank, OPIC, the emphasis on FSU, environmental issues, and new sources of capital in developing countries

  2. Incidence of legal abortions and congenital abnormalities in Hungary

    International Nuclear Information System (INIS)

    Czeizel, A.E.

    1991-01-01

    The annual and monthly distributions of congenital abnormalities and pregnancy outcomes as confounding factors were evaluated in Hungary in reflection of the accident at the Chernobyl reactor. The different congenital abnormality entities and the components of fetal radiation syndrome did not show a higher rate after the Chernobyl accident in the data-set of the Hungarian Congenital Abnormality Registry. Among confounding factors, the rate of induced abortions did not increase after the Chernobyl accident in Hungary. In the 9th month after the peak of public concern (May and June, 1986) the rate of livebirths decreased. Three indicator conditions: 15 sentinel anomalies as indicators of germinal dominant gene mutations, Down syndrome as an indicator of germinal numerical and structural chromosomal mutations, and unidentified multiple congenital abnormalities as indicators of germinal dominant gene and chromosomal mutations were selected from the material of the Hungarian Congenital Abnormality Registry. Diagnoses were checked, familial and sporadic cases were separated and only the sporadic cases were evaluated. The analysis of indicator conditions did not reveal any measurable germinal mutagenic effect of the Chernobyl accident in Hungary

  3. Effectiveness of Traumatic Brain Injury Management Guideline Introduction in Hungary.

    Science.gov (United States)

    Sorinola, Abayomi; Buki, Andras; Sandor, Janos; Czeiter, Endre

    2018-01-01

    To describe the impact of the Traumatic Brain Injury management guideline introduction in Hungary. Hospital discharge records (HDR) including age, gender, codes of interventions applied, ICD codes of diagnosed disorders of patients admitted between 01/01/2004 and 31/12/2010 with the diagnosis of intracranial injury (S06 by ICD10) from every inpatient institution in Hungary were collected from the database of National Health Insurance Fund (NHIF). The Case Fatality Ratios (CFR) for one week, one month and six months were calculated for the periods before and after the guideline introduction. The change of CFRs was applied as indicators for change of clinical quality elicited by the guideline. The centers together at one week, one month and six months had pre-guideline introduction CFRs of 23.4%, 37.7% and 47.5% and post-guideline introduction CFRs of 22.1%, 39.1%, and 50.0% respectively. The secondary institutions together at one week, one month and six months had pre-guideline introduction CFRs of 21.5%, 34.8% and 46.3% and post-guideline introduction CFRs of 21.9%, 37.0%, and 48.9% respectively. None of the CFRs showed significant change. The effectiveness of TBI management guideline adaptation in Hungary is poor. Without supportive financing and external auditing system, guideline introduction alone cannot achieve standard clinical practice and a reduction in CFR.

  4. Macroeconomic analysis of road vehicles related environmental pollution in Hungary

    Science.gov (United States)

    Török, Árpád; Török, Ádám

    2014-06-01

    The article aims to examine the relationship between road transport and macro economy, especially the use of fossil energy in transport sector. Nowadays environmental pollution is a key issue on the EU level as well as in Hungary. Lots of effort have been already done in order to decrease emissions in road transport, but a lot more need to be done. The article aims to prove that the only possible solution is technological innovation in order to reach emission reduction target without decline of the GDP. The basic idea is to ensure sustainable development, to decrease environmental pollution in road transport without harming the economy. In the EU and in Hungary road vehicles are powered by fossil fuelled internal combustion engines. This paper aims to analyse the role of the fossil fuel-based road transport sector within the economy with the usage of constant elasticity substitution (CES) production functions. Authors have built CES production function for Hungary. Parameters were calculated based on the validated model.

  5. The current situation of uranium mining in Hungary

    International Nuclear Information System (INIS)

    Erdi-Krausz, G.

    1997-01-01

    The paper describes the history of uranium production in Hungary. It focuses on the Mecsek Ore Mining Company, now known as Mecsekuran Limited, and its relationship with the Hungarian Government. From the start of uranium production in 1963 until May 1989 all production was exported to the Soviet Union under a bilateral contract. In exchange the Soviet Union agreed to provide fabricated fuel for the future Hungarian nuclear power plant. In May 1989 the Government of Hungary announced closure of its uranium mining operations because of the high cost of production. The paper describes the history of events since 1989, as well as the current plans to terminate all uranium production by 31 December 1997. The Mecsek Mountains lie in the southern part of Hungary, west from the Danube, about 30 km from the former Yugoslavian border, and north from the city of Pecs. Its eastern side is built up from medieval limestone and dolomites, while the western part is from sandstone and clay from the geological Paleozoic. In the eastern part high quality cokeable coal has been mined for more than 200 years, east from the city of Pecs; and in the western part uranium ore was discovered and the mining began only a few decades ago. (author)

  6. The reaction of bank lending to monetary policy in Brazil

    Directory of Open Access Journals (Sweden)

    Tony Takeda

    2005-03-01

    Full Text Available This paper evaluates the relevance of the "bank lending channel'' of monetary policy transmission in Brazil. Disaggregated monthly data of the Brazilian banks balance sheets from December 1994 to December 2001 are analyzed. In addition to the short-term interest rate, we consider the effects of another monetary policy instrument frequently used in Brazil, represented by reserve requirements on overall banks deposits - demand, savings, and time deposits. Dynamic panel data techniques are employed. Our results suggest that the impact of reserve requirements is relevant and stronger for larger banks loans. This finding results from the progressive reserve rates required from banks, which affect to a greater extent banks with larger deposit volumes.Este artigo avalia o canal de empréstimos bancários na transmissão da política monetária. A análise foca os dados mensais desagregados do balanço patrimonial dos bancos comerciais brasileiros de dezembro de 1994 a dezembro de 2001. Em adição à taxa básica de juros de curto prazo, este estudo considera também os efeitos de um outro instrumento de política monetária usado freqüentemente no Brasil, representado pelos recolhimentos compulsórios sobre os depósitos à vista, de poupança e a prazo. A partir de técnicas de análise de dados em painel dinâmico, os resultados dos testes sugerem que o impacto dos compulsórios é relevante e é mais forte sobre os empréstimos dos grandes bancos, conclusão que decorre de recolhimentos compulsórios de caráter progressivo, que afetam mais fortemente os bancos com maiores volumes de depósitos.

  7. Army Blast Claims Evaluation Procedures

    Science.gov (United States)

    1994-03-01

    ATIN: AFZX-JA Building 4551 Fort Polk, LA 71459-5000 Commander U.S. Army Engineer Center and Fort Leonard Wood ATIN: AlZT-JA Building 1706 East...U.S. Armed Forces Claims Service, Korea APO AP 96205-0084 No. of Copies Organization 1 Commander U.S. Army South ATI’N: SOJA Building 154 APO

  8. Online peer-to-peer lending and its implications for small business credit financing in Norway

    OpenAIRE

    Brekke, Henrik; Hagerud, Simon

    2017-01-01

    Masteroppgave(MSc) in Master of Science in Business, Strategy - Handelshøyskolen BI, 2017 This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this cr...

  9. Handling Uncertainty in Social Lending Credit Risk Prediction with a Choquet Fuzzy Integral Model

    OpenAIRE

    Namvar, Anahita; Naderpour, Mohsen

    2018-01-01

    As one of the main business models in the financial technology field, peer-to-peer (P2P) lending has disrupted traditional financial services by providing an online platform for lending money that has remarkably reduced financial costs. However, the inherent uncertainty in P2P loans can result in huge financial losses for P2P platforms. Therefore, accurate risk prediction is critical to the success of P2P lending platforms. Indeed, even a small improvement in credit risk prediction would be o...

  10. The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea

    Directory of Open Access Journals (Sweden)

    Lien-Wen Liang

    2017-12-01

    Full Text Available This study examines how small and medium-size enterprises’ (SMEs’ lending and credit guarantee affect Korean banks’ efficiency, by employing the stochastic frontier approach on 14 banks over the period 2001–2010. When lending increases to SMEs, the findings indicate that banks’ cost efficiency decreases due to information asymmetry. However, the increased proportion of credit guarantee can improve their cost efficiency. This proves that South Korea’s credit guarantee system can indeed share SMEs’ credit risk of lending in order to help raise bank efficiency.

  11. Online peer-to-peer lending and its implications for small business credit financing in Norway

    OpenAIRE

    Brekke, Henrik; Hagerud, Simon

    2017-01-01

    This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this credit rationing. Our research involves two main parts. First, we study the extent to whi...

  12. Screening in new credit markets: can individual lenders infer borrower creditworthiness in peer-to-peer lending?

    NARCIS (Netherlands)

    Iyer, R.; Khwaja, A.I.; Luttmer, E.F.P.; Shue, K.

    2009-01-01

    The current banking crisis highlights the challenges faced in the traditional lending model, particularly in terms of screening smaller borrowers. The recent growth in online peer-to-peer lending marketplaces offers opportunities to examine different lending models that rely on screening by multiple

  13. The Army Study Program.

    Science.gov (United States)

    1980-10-09

    STUDDIES BY CATEGORY STUDY TITLE SPONSOR NMtTHOO PPA ADM RE:MOTE LINK PRUG DARCOM CONTRACT ADV TECH MODEL FULL DARCON CONTRACT ARMY COMMAND ANDi CONTROL...HOUUSE NUN -RLCURRIN 1 LMANUS DARCON I"-HUSL FF-TH-hLLI TM~k ECUNLNI(. ANALYSIS DARCOM CUNTRALT FOR SFELTKUM ANALYZERS UPLRA1IUN&L FLt)AI/EKPSL TKADL...TECHNULOGY A5 AESM:NT TRADOC bUTH *TEN YEAR INSTRUMENTATIOft ANALYSkIS OCSA ot" PHASE I TERRAIN MODELS DARCOM bUTH lEST CRITLRIA FUOR NUN -IIILLL-K WEAPUN

  14. 76 FR 66282 - Army Educational Advisory Committee

    Science.gov (United States)

    2011-10-26

    ... Committee: U.S. Army War College Subcommittee of the Army Education Advisory Committee. Dates of Meeting: November 15, 2011. Place of Meeting: U.S. Army War College, 122 Forbes Avenue, Carlisle, PA, Command... issues and matters related to the continued growth and development of the United States Army War College...

  15. 76 FR 72914 - Army Educational Advisory Committee

    Science.gov (United States)

    2011-11-28

    ...: U.S. Army War College Subcommittee of the Army Education Advisory Committee. Dates of Meeting: December 14, 2011. Place of Meeting: U.S. Army War College, 122 Forbes Avenue, Carlisle, PA, Command... issues and matters related to the continued growth and development of the United States Army War College...

  16. LABOUR MARKET INTEGRATION ISSUES RELATED TO MIGRANTS ARRIVING TO HUNGARY

    Directory of Open Access Journals (Sweden)

    Peter Miklos Komives

    2016-07-01

    Full Text Available The migration flows appearing in the recent years have gained central relevance in Hungary. Previously people were having no opinion about the current situation of issues related to migration but the increased media attention lead to the development of mixed attitudes among people. Some people feel sorry for the families who are coming from the war zones and lost their homes, others have fear of losing their position at work, or their families because of the acts they have heard from the media and they are hostile to the issue of integration whether it is about education or the labour market. According to the statistical data; in the third quarter of 2015, more than hundred thousand asylum-seekers arrived to Hungary, which dropped drastically in the fourth quarter caused by the significant transformation of the asylum process. This study is intended to serve two objectives: first describe the comprehensive picture of labour market attitudes towards migrants and secondly to identify factors that affect the employment of foreigners in Hungary using secondary data sources. Based on this analysis those questions can be formulated, which may constitute a basis for further labour market researches for the integration of migrants. From our point of view there are vital aspects of the migrants’ successful social integration; we have to integrate the migrants who are coming to our country and plan to stay for a longer time to the field of education and the labour market. The social integration of migrants in a country is closely linked to employment, to the integration into the labour market, and in many cases one of the obstacles in this regard is the prejudiced behaviour and negative attitudes towards migrants which manifests itself as the discrimination in the labour market. The results of the European Commission confirm that in Hungary the ethnicity as a variable appears to be the second on the list of the most serious discrimination factors

  17. ANALYSIS OF MORTGAGE LENDING IN BANKS IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Violetta Kharabara

    2017-11-01

    Full Text Available The purpose is a mortgage market that occupies one of the major places among the financial mechanisms of economic stimulation and stable development of the economy. The mortgage market occupies one of the main places of financial mechanisms and economic incentives for the sustainable economic development. Mortgage lending covers the provision of long-term bank loans for the purchase, construction of residential real estate, as well as for repairs or to develop their own small businesses, where the collateral for such loans is real estate. Distinctive features of mortgages include: mortgages, like any collateral, in fact, is a way to ensure proper implementation of the other (main liabilities – loan or credit agreement, lease, contract, compensation, etc.; the subject of a mortgage is always real estate. Real estate includes land plots and everything that is firmly associated with them: buildings, perennial plants, etc.; mortgaged property remains in the possession of the debtor; the agreement between the creditor and the debtor on the establishment of a mortgage is formalized by a special document – the mortgage, which is also subject to state registration. The mortgage crediting is the method of accumulation of financial resources, effective instrument of bank activity, and an important factor in economic development of the country on the whole. Research results are market of the real estate and financial services development, to the revival of fund market, here the mortgage crediting is capable not only of activating reforms in industries of the economy but also gradually providing the decision of housing problems of the population. Practical consequences consist in the solution of problems that are related to the market for mortgage services of Ukraine’s development from 2006 to 2016. Value/originality. Analysis of the mortgage market in Ukraine shows that in recent years, its scope, dynamics, and trends do not meet the needs of either

  18. P2P Lending Risk Contagion Analysis Based on a Complex Network Model

    Directory of Open Access Journals (Sweden)

    Qi Wei

    2016-01-01

    Full Text Available This paper analyzes two major channels of P2P lending risk contagion in China—direct risk contagion between platforms and indirect risk contagion with other financial organizations as the contagion medium. Based on this analysis, the current study constructs a complex network model of P2P lending risk contagion in China and performs dynamics analogue simulations in order to analyze general characteristics of direct risk contagion among China’s online P2P lending platforms. The assumed conditions are that other financial organizations act as the contagion medium, with variations in the risk contagion characteristics set under the condition of significant information asymmetry in Internet lending. It is indicated that, compared to direct risk contagion among platforms, both financial organizations acting as the contagion medium and information asymmetry magnify the effect of risk contagion. It is also found that the superposition of media effects and information asymmetry is more likely to magnify the risk contagion effect.

  19. Aspects of Anti-Semitism in Hungary 1915-1918

    Directory of Open Access Journals (Sweden)

    Péter Bihari

    2016-10-01

    Full Text Available Before 1914 the vocabulary of anti-Semitism was already present in public discourses in Hungary, but it did not yet represent the central problem of a still ‘liberal Hungary.’ With the First World War, the Hungarian middle classes became the main losers in the social disruption of Hungarian society. 1916 must be seen as the turning point of the social splits and divisions. The former policy of the “Burgfrieden,” or party truce, was undermined by the profound psychological experiences of the war. In this context, old anti-Semitic stereotypes prejudices were reactivated while new ones emerged. Jews, in general, came to be treated as internal enemies, earning huge profits from the war at the expense of Christian Hungarian society that was being ruined. This paper analyzes three stages of growing anti-Semitic agitation in Hungarian society during the war: First, the attacks against the banks around 1916; second, the public debate on the Jewish question in 1917, opened by the publication of the book A zsidók útja [The Path of the Jews] by the sociologist Péter Ágoston and intensified by the “inquiry into the Jewish question” of the journal Huszadik Század [Twentieth Century]; third, the surge of anti-Semitism that began with anti-Semitic speeches in the Hungarian Diet in 1917, leading to a broad anti-Semitic campaign by predominantly Catholic newspapers, in which Otto Prohaszka and Bela Bangha were the leading figures. The thesis is that Hungarian anti-Semitism was far from being a spontaneous outburst of popular feelings. It was fairly well organized and coordinated, mainly by ecclesiastical circles. It was the First World War that proved to be the catalyst, contributing to an extreme anti-Semitism and thereby sealing the fate of “liberal Hungary.”

  20. Inversion and Application of Muon Tomography Data for Cave Exploration in Budapest, Hungary

    Science.gov (United States)

    Molnár, Gábor; Surányi, Gergely; Gábor Barnaföldi, Gergely; Oláh, László; Hamar, Gergö; Varga, Dezsö

    2016-04-01

    In this contribution we present a prospecting muon-tomograph and its application for cave exploration in Budapest, Hungary. The more than 50 years old basic idea behind muon tomography is the ability of muon particles, generated in the upper atmosphere to penetrate tens of meters into rocks with continuous attenuation before decay. This enables us placing a detector in a tunnel and measure muon fluxes from different directions and convert these fluxes to rock density data. The lightweight, 51x46x32 cm3 size, muon tomograph containing 5 detector layers was developed by Wigner Research Centre for Physics, Budapest, Hungary. A muon passing at least 4 of the 5 detector layers along one line are classified as unique muon detection. Its angular resolution is approximately 1 degree and it is effective up to 50 degrees off zenith. During the measurement campaign we installed the muon detector at seventeen locations along an abandoned, likely Cold War air raid shelter tunnel for 10-15 days at each location, collecting large set of events. The measured fluxes are converted to apparent density lengths (multiplication of rock densities by along path lengths) using an empirically tested relationship. For inverting measurements, a 3D block model of the subsurface was developed. It consisted of cuboids, with equal horizontal size, equal number in every line and in every row of the model. Additionally it consisted of blocks with different heights, equal number of blocks in every column. (Block height was constant in a column, but varied from column to column.) The heights of the blocks in a column were chosen, that top face of the uppermost blocks has an elevation defined by a Digital Elevation Model. Initially the density of every model blocks was set to a realistic value. We calculated the theoretical density length for every detector location and for a subset of flux measurement directions. We also calculated the partial derivatives of these theoretical density length values

  1. Subjective Poverty and Its Relation to Objective Poverty Concepts in Hungary

    Science.gov (United States)

    Nandori, Eszter Siposne

    2011-01-01

    The paper analyzes subjective poverty in Hungary and compares it to the objective poverty concepts. Subjective poverty is defined by examining who people consider to be poor. Based on the Easterlin paradox, the initial hypothesis states that subjective and absolute poverty concepts are highly correlated. Taking into account that Hungary is a…

  2. Covariates of Current Cigarette Smoking among Secondary School Students in Budapest, Hungary, 1999

    Science.gov (United States)

    Easton, Alyssa; Kiss, Eva

    2005-01-01

    To date, few studies have examined the relationship between health behavior risk factors and cigarette smoking in Hungary. From 1995 to 1999, the prevalence of current smoking increased from 35.9 to 46.0% among secondary students in Budapest, Hungary. The objective of the present study was to examine the association between smoking and other…

  3. Abstracts of the 24th Hungary conference on rabbit production

    Directory of Open Access Journals (Sweden)

    24TH Conference on rabbit production Kaposvár, Hungary. 30th May, 2012

    2014-09-01

    Full Text Available Some 100 guests took part in the 24th Hungarian Conference on Rabbit Production in Kaposvár, organised by the University of Kaposvár, the Hungarian Branch of the WRSA and the Rabbit Production Board. This is the largest and most popular event for rabbit breeders in Hungary. Seventeen papers were presented, both by senior and young scientists. Topics of the papers covered all fields of rabbit production (production, housing and welfare, reproduction, genetics, nutrition, meat quality and pathology. Full papers are available from the organiser (matics.zsolt@ke.hu on request.

  4. Employment discrimination in hungary and its effect on health.

    Science.gov (United States)

    Fuzesi, Zsuzsanna; Busa, Csilla; Varga, Ivett; Tistyan, Laszlo

    2008-01-01

    A dramatic drop in employment occurred in Hungary following the change of regime which particularly affected the Roma, people of reduced working ability, and mothers with young children. Alongside economic considerations, the prejudices of employers and discrimination in employment constitute the most significant obstacles to returning to the workplace. The poor mental and physical health of these groups further reduces their chances of finding employment. Only legislation exists to manage the problem, which-in the absence of other interventions-has not brought a breakthrough in the employment of these groups in either the state or local governments or in private spheres.

  5. Special Status of Budapest, the Capital of Hungary

    OpenAIRE

    Temesi, István

    2012-01-01

    Hungarian capital, Budapest, has always had a special legal status within the system of self-government, except between 1949 and 1990. It is organised in two-tiers: it functions a single local self-government unit (the City of Budapest); while at the same time, its 23 districts enjoy their self-government powers. The paper analyses the history of organisation of Budapest is analysed, as well as the current system of local self-government in Hungary, in order to identify historical and current...

  6. Jews and Jewishness in Post-war Hungary

    OpenAIRE

    András Kovács

    2010-01-01

    The emergence of a seemingly harmonic symbiosis between Hungarian majority and Jewish minority in 19th century Hungary was a unique phenomenon in a European country where the proportion of Jews was close to 5 percent of the total population, and about 20 percent of the capital city, Budapest. However, after the shocking experience of the persecution in 1944 it was to expect that the factor –unlimited readiness for assimilation in the belief of the unlimited readiness of the majority for accep...

  7. Safety of WWER type nuclear power plants - viewing from Hungary

    International Nuclear Information System (INIS)

    Voeroess, L.

    1991-01-01

    An evaluation of WWER type nuclear power plants operating in Hungary is given, relative to the safety requirements accepted internationally; how safe can they be regarded and what can be done to assure a high level of safety in all case. After an overview of general safety criteria, an overall description of WWER-440 type nuclear reactors is presented. Design safety, operational safety issues are treated in detail. Safety inspection and safety-related research and development is discussed. Regarding the future, five different issues associated with nuclear reactor safety should be considered. (R.P.) 20 refs.; 12 figs.; 3 tabs

  8. Millipedes (Diplopoda of twelve caves in Western Mecsek, Southwest Hungary

    Directory of Open Access Journals (Sweden)

    Angyal, D.

    2013-11-01

    Full Text Available Twelve caves of Western Mecsek, Southwest Hungary were examined between September 2010 and April 2013from the millipede (Diplopoda faunistical point of view. Ten species were found in eight caves, which consistedeutroglophile and troglobiont elements as well. The cave with the most diverse fauna was the Törökpince Sinkhole, while thetwo previously also investigated caves, the Abaligeti Cave and the Mánfai-kőlyuk Cave provided less species, which couldbe related to their advanced touristic and industrial utilization.

  9. Results with radioisotope techniques in veterinary science in Hungary

    International Nuclear Information System (INIS)

    Pethes, Gyoergy

    1983-01-01

    Radioisotopes have been applied to veterinary science in Hungary since the fifties. A short chronologic review on the development of isotope technology is given emphasizing the possibilities offered by the application of closed and open radiation sources, of instrumental neutron activation analysis and atomic absorption spectroscopy, and in vitro nuclear procedures which include competitive protein-binding analysis and radioimmunoassay. The progesterone test, applicable to diagnose the pregnancy of cattles, is carried out generally by RIA. Radioisotopic methods are applied also to determine the thyroid function of cattles, swines and domestic fowls. (V.N.)

  10. The causal effect of restrictive bank lending on employment growth: A matching approach

    OpenAIRE

    Kleemann, Michael; Wiegand, Manuel

    2013-01-01

    Does restrictive bank lending cause lower employment growth at the firm-level or does it reflect firm characteristics that drive the deterioration of employment figures? Applying propensity score matching, we estimate the treatment effect of restrictive bank lending on employment growth. Combining balance sheet information and survey data on a firm's current and expected future business situation, we rule out the impact of firm heterogeneity. We find that credit constraints have a significant...

  11. International banking conglomerates and the transmission of lending shocks across borders

    OpenAIRE

    Gropp, Reint; Radev, Deyan

    2017-01-01

    We investigate how solvency and wholesale funding shocks to 84 OECD parent banks affect the lending of 375 foreign subsidiaries. We find that parent solvency shocks are more important than wholesale funding shocks for subsidiary lending. Furthermore, we find that parent undercapitalization does not affect the transmission of shocks, while wholesale shocks transmit to foreign subsidiaries of parents that rely primarily on wholesale funding. We also find that transmission is affected by the str...

  12. Monetary policy, bank size and bank lending: evidence from Australia(new version)

    OpenAIRE

    liu, luke

    2012-01-01

    This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.

  13. Peer-to-peer lending and bias in crowd decision-making.

    Science.gov (United States)

    Singh, Pramesh; Uparna, Jayaram; Karampourniotis, Panagiotis; Horvat, Emoke-Agnes; Szymanski, Boleslaw; Korniss, Gyorgy; Bakdash, Jonathan Z; Uzzi, Brian

    2018-01-01

    Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world's poor. We empirically investigate the "flat-world" hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer lending networks are moving away from flatness. Furthermore, decreasing flatness is strongly associated with multiple variables: relatively stable patterns in the difference in the per capita GDP between borrowing and lending nations, ongoing migration flows from borrowing to lending nations worldwide, and the existence of a tie as a historic colonial. Our regression analysis also indicates a spatial preference in lending for geographically proximal borrowers. To estimate the robustness for these patterns for future changes, we construct a network of borrower and lending nations based on the observed data. Then, to perturb the network, we stochastically simulate policy and event shocks (e.g., erecting walls) or regulatory shocks (e.g., Brexit). The simulations project a drift towards rather than away from flatness. However, levels of flatness persist only for randomly distributed shocks. By contrast, loss of the top borrowing nations produces more flatness, not less, indicating how the welfare of the overall system is tied to a few distinctive and critical country-pair relationships.

  14. Valuation of Urban Commercial Properties in Nigeria for Secured Lending: Issues and Developments

    Directory of Open Access Journals (Sweden)

    Namnso Bassey Udoekanem

    2018-01-01

    Full Text Available Valuation for secured lending is required when an interest in real property is used as security for a loan. The outcome of such valuation will help the lending institution to achieve commercial prudence in lending as well as avoid taking undue risk. This paper examines the issues and developments in the valuation of urban commercial properties in Nigeria for secured lending purposes. It argues that due to the volatile nature of the Nigerian economy, coupled with the linkage between the economy and commercial property markets, the maximum amount of loan to be granted by lenders in the country using interest in commercial property as collateral should be based on the Mortgage Lending Value (MLV and not the Market Value (MV of the property, although the market value should also be reported in the valuation. A case study is used to demonstrate the valuation. It further contends that since the inputs for determining the MLV of a commercial property must be derived from long-term trends in the property and financial markets, it is more stable than MV when used to determine the maximum amount of mortgage loan to be granted by a lender. It concludes that the stability of the MLV makes it more reliable than the MV in achieving commercial prudence in mortgage lending as it fits into the long-term nature of mortgage loan repayment.

  15. The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2017-02-01

    Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

  16. Portraying the Army Reserve Components in Army War Games and Exercises

    National Research Council Canada - National Science Library

    Dillon, Dick

    2002-01-01

    .... Ensuring that accuracy and realism was the primary purpose of the Role of the Army National Guard and Army Reserve in Army Exercises workshop conducted at the Collins Center for Strategic Leadership from 23-26 September 2002.

  17. 'Vacation for your teeth' - dental tourists in Hungary from the perspective of Hungarian dentists.

    Science.gov (United States)

    Kovacs, E; Szocska, G

    2013-10-01

    Hungary has become a popular destination for foreign patients in the last two decades, particularly in dental care. Since 2008, increasing prices in Western Europe coupled with Hungary's accessibility and availability of dental treatment, has meant the country has become a leader in 'dental tourism'. As the quality of care in Hungary is high and prices are more affordable than in Western Europe, and due to the freedom of movement of people, services and goods within the EU, patient flow into Hungary has increased progressively. The aim of this article is to provide comprehensive empirical evidence from the perspective of a recipient country in dental tourism. A questionnaire survey was conducted among Hungarian dentists (n = 273). Qualitative in-depth interviews were conducted with representatives of dental professional bodies (n = 10). Both research methods aimed to elicit dentists' views on the presence of dental tourism - particularly the push and pull factors (for example, source countries, competitors, information sources, patient motivation). The findings show that there are several reasons why Hungary could maintain a leading position in dental tourism. First, the cost/benefit ratio is outstanding. The affordable price and value for money were already recognised in the early 1990s and were appreciated even before Hungary joined the EU. Secondly, the high quality of Hungary's dental profession: a) dental professionals in Hungary are well-qualified dental practitioners who have received high level dental training; b) dental professional standards are up-to-date and often supervised; c) in Hungary dental technology, the quality of materials and equipment used in dental practices is of European level quality. The rate of complications in dental care is around 5%, similar to other European countries. Finally, previous treatment experiences are positive and patient satisfaction levels are high. More and more patients seek care in Hungary, and more and more

  18. Postinor -- the unique method of emergency contraception developed in Hungary.

    Science.gov (United States)

    Camp, S

    1995-08-01

    In Hungary, an important form of emergency contraception (EC) is the pill containing 0.75 mg levonorgestrel, which is marketed by Gedeon Richter under the name Postinor in four-pill packages. Women are instructed to take one pill within an hour of any unprotected act of intercourse, up to four pills per month. The nature of the administration requires that women be in possession of the pills before they need them, and, while Postinor is marketed as an EC, the target market is young, unmarried women who experience infrequent intercourse. When it was first offered a decade ago, Postinor gained widespread use in place of contraception. The product was overused and there was a backlash in the medical community. Thus, the manufacturer changed its packaging instructions and removed the original 10-pill package from the market. While the price of the drug is considered prohibitive for use by adolescents, more than three million pills were sold in the past three years in Hungary and more than 60 million pills were sold in over 20 countries. Clinical studies show a failure rate of less than 1% and relatively few side effects (10-20% nausea and 20-40% bleeding) if not more than four pills per month are used. The World Health Organization is currently conducting trials to compare use of Postinor with the Yuzpe method. Results of these trials will be available in 1996.

  19. Radiation protection training for users of ionizing radiation in Hungary

    International Nuclear Information System (INIS)

    Pellet, S.; Giczi, F.; Elek, R.; Temesi, A.; Csizmadia, H.; Sera, E.

    2012-01-01

    According to the current and previous regulation related to the safety use of ionizing radiation, the personnel involved must obtain special qualification in radiation protection. In Hungary the radiation protection training are performed by appropriately certified training centers on basic, advanced and comprehensive levels. Certification of the training centers is given by the competent radiological health/radiation protection authority. The office of the Chief Medical Officer is the certifying authority for advanced and comprehensive levels training, as well as competent Regional Radiological Health Authority is responsible for basic level courses. The content and length of courses are specified in the regulation for all three levels of industrial, laboratory and medical users, in general. Some of the universities, technical and medical oriented are certified for advanced training for students as gradual course. Recently in Hungary there are 47 certified training centers for advanced and comprehensive courses, where the trainers should have a five years job experience in radiation protection and successful completion of comprehensive level course in radiation protection. (authors)

  20. Assessment of the Efficiency of Stroke Awareness Campaigns in Hungary.

    Science.gov (United States)

    Folyovich, András; Biczó, Dávid; Béres-Molnár, Katalin Anna; Toldi, Gergely

    2018-03-01

    The critical period of stroke management lies between the disease onset and the time of the emergency call, relying on stroke-related knowledge of the population. Public campaigns play a role in spreading relevant health information. Due to the substantial expenses of these campaigns, the assessment of their efficiency is reasonable. We assessed the number of thrombolytic treatments performed in Hungary, subjected to national media coverage and in particular in Budapest, being the location of the Stroke Day campaign, in the period between 2008 and 2015. We compared the change in the daily mean number of thrombolytic treatments performed during the preceding and following day, week, and month. Data were also compared with annual means. No meaningful changes can be seen in the number of thrombolytic treatments on the days immediately following Stroke Days, and casual differences can be seen in the following week. The comparison of the numbers of thrombolytic treatments performed in the postcampaign months with the monthly means in the corresponding years revealed a positive effect in each year except for 2012, 2014, and 2015. Regarding the whole examined period, however, the effect is not statistically significant, neither for data obtained from Hungary nor from Budapest. Better outcomes were observed 1 month after a campaign than more immediately. This can be partly explained by ongoing media coverage in a given period rather than exposure of the public on a single Stroke Day. Copyright © 2018 National Stroke Association. Published by Elsevier Inc. All rights reserved.

  1. Energy Policies of IEA Countries: Hungary 2006 Review

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2007-07-01

    Hungary has arrived at an important moment in its energy policy. The Hungarian government has improved energy policies in a number of areas. Still, significant challenges remain. To prepare the country for the full liberalisation of the EU electricity and gas market by July 2007, further steps in market reform are urgently required. At this point in time, there is no clarity about the system under which the market should operate after its full opening. Subsidies are another problem. Even though substantial progress has been made in reforming payments to gas consumers, the overall level of subsidies to producers and consumers of energy needs to be reviewed. This analysis makes recommendations to tackle these concerns and also discusses the potential contribution of energy efficiency to increasing energy security and economic competitiveness. The gas dispute between Russia and Ukraine in January 2006 focused global attention on consumer nations' vulnerability to supply disruptions. The Hungarian government has since placed greater emphasis on diversification of suppliers and has supported the development of new routes to bring gas into Europe. Hungary has dramatically improved its energy efficiency during the last 15 years. Nevertheless, enhanced efficiency, particularly in the field of gas use will continue to play a key role for securing future national energy supplies. This review has identified significant room for progress particularly in the gas-to-power sector, where old power stations need to be replaced, and in the residential sector, where improved thermal performance of Hungarian housing could bring impressive results.

  2. Energy Policies of IEA Countries: Hungary 2006 Review

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2007-07-01

    Hungary has arrived at an important moment in its energy policy. The Hungarian government has improved energy policies in a number of areas. Still, significant challenges remain. To prepare the country for the full liberalisation of the EU electricity and gas market by July 2007, further steps in market reform are urgently required. At this point in time, there is no clarity about the system under which the market should operate after its full opening. Subsidies are another problem. Even though substantial progress has been made in reforming payments to gas consumers, the overall level of subsidies to producers and consumers of energy needs to be reviewed. This analysis makes recommendations to tackle these concerns and also discusses the potential contribution of energy efficiency to increasing energy security and economic competitiveness. The gas dispute between Russia and Ukraine in January 2006 focused global attention on consumer nations' vulnerability to supply disruptions. The Hungarian government has since placed greater emphasis on diversification of suppliers and has supported the development of new routes to bring gas into Europe. Hungary has dramatically improved its energy efficiency during the last 15 years. Nevertheless, enhanced efficiency, particularly in the field of gas use will continue to play a key role for securing future national energy supplies. This review has identified significant room for progress particularly in the gas-to-power sector, where old power stations need to be replaced, and in the residential sector, where improved thermal performance of Hungarian housing could bring impressive results.

  3. Prevalence and features of canine atopic dermatitis in Hungary.

    Science.gov (United States)

    Tarpataki, Noémi; Pápa, Kinga; Reiczigel, J; Vajdovich, P; Vörösi, K

    2006-09-01

    Medical records of 600 dogs diagnosed with atopic dermatitis were reviewed and evaluated with reference to history, geographical distribution, breed predilection, clinical signs and positive reactions to allergens as determined by intradermal skin testing (IDT) manufactured by Artuvetrin Laboratories. In 66.6% of dogs, the age of onset of atopic dermatitis was between 4 months and 3 years. Dogs living in the garden suburb of Budapest were more sensitive to house dust mites, fleas and moulds, and dogs from the western part of Hungary were more sensitive to weeds than to other allergens (p French bulldog, Doberman Pinscher and Bobtail which were over-represented among atopic dogs compared to the breed distribution of the general dog population of a large city in Hungary. Breeds with verified adverse reaction to food were Cocker spaniels, French bulldogs, Bullmastiffs, Bull terriers, St. Bernards, Tervurens, West Highland White terriers and American Staffordshire terriers (p < 0.05). The clinical signs of atopic dermatitis and their occurrence are in accordance with the data described in the literature.

  4. Integrated spatial assessment of wind erosion risk in Hungary

    Directory of Open Access Journals (Sweden)

    L. Pásztor

    2016-11-01

    Full Text Available Wind erosion susceptibility of Hungarian soils was mapped on the national level integrating three factors of the complex phenomenon of deflation (physical soil features, wind characteristics, and land use and land cover. Results of wind tunnel experiments on erodibility of representative soil samples were used for the parametrization of a countrywide map of soil texture compiled for the upper 5 cm layer of soil, which resulted in a map representing threshold wind velocity exceedance. Average wind velocity was spatially estimated with 0.5′ resolution using the Meteorological Interpolation based on Surface Homogenised Data Basis (MISH method elaborated for the spatial interpolation of surface meteorological elements. The probability of threshold wind velocity exceedance was determined based on values predicted by the soil texture map at the grid locations. Ratio values were further interpolated to a finer 1 ha resolution using sand and silt content of the uppermost (0–5 cm layer of soil as spatial co-variables. Land cover was also taken into account, excluding areas that are not relevant to wind erosion (forests, water bodies, settlements, etc., to spatially assess the risk of wind erosion. According to the resulting map of wind erosion susceptibility, about 10 % of the total area of Hungary can be identified as susceptible to wind erosion. The map gives more detailed insight into the spatial distribution of wind-affected areas in Hungary compared to previous studies.

  5. The laboratory-type data input and processing subsystem of the country-wide environmental radiation monitoring system in Hungary

    International Nuclear Information System (INIS)

    Kanyar, B.; Fulop, N.; Glavatszkih, N.; Nemeth, A.

    1996-01-01

    The countrywide radiation monitoring activity in Hungary is shared among the national networks as agriculture, environmental protection and public health ones. They are mostly involved in the environmental sampling and laboratory type determinations of the radioactive pollution, meanwhile the organisations mainly from the Army and Civil Defence are responsible to the early warning system. A moderately effective collaboration is established only around the Nuclear Power Plant Paks. Based on more than 10 years experience in collaboration around the NPP the Hungarian Atomic Energy Commission initiated some centralism in the countrywide monitoring activity as well. As the first step the National Research Institute for Radiobiology and Radiohygiene has been charged to establish an Information Center for laboratory-type data collection, processing, analysis and informing regularly the proper organizations on the results. The Information Centre is equipped with a computer type of SUN SPARCserver-20 and the laboratories are planned to be linked on line by PC stations. The main user programs for data collection, control and restricted processing are written in INGRES data manager software. The semiprocessed results can be transformed in a readable form for general statistical etc. packages

  6. Increasing Army Retention Through Incentives

    National Research Council Canada - National Science Library

    Beerman, Kevin

    2006-01-01

    .... If the Army fails to address the enlisted retention issue in the near future departures of experienced NCOs will have a detrimental impact our military's ability to provide for our nation's security...

  7. Christian Contributions to Army Values

    National Research Council Canada - National Science Library

    D'Emma, Gregory

    2000-01-01

    .... The Army builds the soldier's heart, spirit, and soul by the values we instill. Over the years these values of loyalty, duty, respect, selfless service, honor, integrity, and personal courage have been trained and reinforced...

  8. Racial Extremism in the Army

    National Research Council Canada - National Science Library

    Hudson, Walter M

    1998-01-01

    ... modem phenomenon of "skinheads." I then discuss the history of white supremacist extremism in the Army, culminating in the December, 1995 murders of two black civilians by soldiers assigned to the 82d Airborne Division at Fort Bragg, North Carolina...

  9. Robotics In Manufacturing: Army View

    Science.gov (United States)

    Michel, F. J.

    1983-05-01

    (Figure 1) This is an outline of my presentation today. The U. S. Army has a dual interest in the use of robots, namely: 1. As a substitute for or an extension of the soldier in the battlefield, and 2. in the factories that make Army materiel, or - as we call it -the the production base. The Production Base can again be divided into three separate segments, i.e., the Army owned and operated facilities or GOG6s, such as Rock Island and Watervliet arsenals, and not to be overlooked, the depot operations. There the Army manufactures gun tubes and other related parts for artillery weapons and repairs and overhauls them. A second category is the Army owned and contractor operated facilities or GOCOs,such as the ammunition plants, the tank plants at Lima, Ohio and Warren, Michigan and the Stratford Engine Plant in Connecticut where gas turbines for helicopter and the Abrams tank are manufactured. The last category covers the industrial base, that is those factories which are not only operated but also owned by the contractor himself also referred to as COCOs. You can see from this description that the Army is supported by a base which produces a diversified line of products. Therefore, the task of technology development and technology insertion is considerably more complex than what one encounters in the average U. S. Manufacturing organization.

  10. The Slovak Politics and Society in Austria-Hungary before the First World War

    Directory of Open Access Journals (Sweden)

    Marek Syrný

    2017-03-01

    Full Text Available This article is an analysis of the conditions in Austria-Hungary, respectively the Kingdom of Hungary, focused at political and social status of Slovakia (Upper Hungary. The political representation of the Slovak citizens (at about 12 % of the citizens of the Kingdom of Hungary since the begining of the 20th century went through dynamic transformation. This transformation went into the direction of some kind of deviation from the idea of Slovak autonomy within the Kingdom of Hungary. The general frame of the description of conditions of the era Austria-Hungary is based on autoritative researches by Slovak, Hungarian and Anglo-Saxon origin. There were used such scientific methods as analysis and synthesis, concretization, generalization while solving the research tasks. In addition, the paper used the historical-situational method, involving the study of historical facts in the context of the period under review in conjunction with the "neighboring" events and facts. The creation of the own statehood in cooperation with more powerful Czech politics became the new goal of the Slovak politics. This study will emphasize preconditions and development not only within political elites but also within the dimension of public climate of the Slovak part of the Kingdom of Hungary.

  11. ECONOMICAL ANALYSIS OF DISABLED EMPLOYERS AND THEIR EMPLOYEES IN HUNGARY

    Directory of Open Access Journals (Sweden)

    Nóra Nagymáté

    2012-07-01

    Full Text Available Nowadays employment is an evergreen topic in Hungary. Many kinds of supplies are provided by the state (on the basis of the 8/1983. EüM-PM Hungarian Law, for example for the group n#8216;people living with disabilitiesn#8217;. It is very difficult to provide job for these people after their rehabilitation. My main goal is to analyze the n#8216;rehabilitationn#8217; of disabled people and to study the related firms and the connection between the employers and employees. My intentions were also to create a strategy for these people to be employed again and for the firms to be motivated to employ them. Statistical figures show, that the highest ratio of n#8216;people living with disabilitiesn#8217; can be found in the North Great Plain Region of Hungary (30 per cent of the total number of n#8216;people living with disabilitiesn#8217;. The employment of these people means extra costs for enterprises. At the same time the complete accessibility of workplaces is still not realized in many cases in Hungary yet. Currently only a few enterprises are specialized to employ people living with disabilities. Unfortunately, most of the enterprises donn#8217;t intend to employ disabled persons. Questionnaires were created in order to study the relationship between people living with disabilities and their possibilities to get employed on the labour market again. My study had two phases. In the first phase we focused on individual persons providing anonymity of the questionnaires. The research focused on special rehabilitation firms and their employees too (they are specialised to employ disabled employers. Two questionnaires for the above mentioned firms and their employees were created in order to gather information on their activities as well as relationship between the firms and its employees. It can be stated that this paper shows the relationship between the employers and employees. I will analyze the importance of factors in working among employers and

  12. Landslide susceptibility estimations in the Gerecse hills (Hungary).

    Science.gov (United States)

    Gerzsenyi, Dávid; Gáspár, Albert

    2017-04-01

    Surface movement processes are constantly posing threat to property in populated and agricultural areas in the Gerecse hills (Hungary). The affected geological formations are mainly unconsolidated sediments. Pleistocene loess and alluvial terrace sediments are overwhelmingly present, but fluvio-lacustrine sediments of the latest Miocene, and consolidated Eocene and Mesozoic limestones and marls can also be found in the area. Landslides and other surface movement processes are being studied for a long time in the area, but a comprehensive GIS-based geostatistical analysis have not yet been made for the whole area. This was the reason for choosing the Gerecse as the focus area of the study. However, the base data of our study are freely accessible from online servers, so the used method can be applied to other regions in Hungary. Qualitative data was acquired from the landslide-inventory map of the Hungarian Surface Movement Survey and from the Geological Map of Hungary (1 : 100 000). Morphometric parameters derived from the SRMT-1 DEM were used as quantitative variables. Using these parameters the distribution of elevation, slope gradient, aspect and categorized geological features were computed, both for areas affected and not affected by slope movements. Then likelihood values were computed for each parameters by comparing their distribution in the two areas. With combining the likelihood values of the four parameters relative hazard values were computed for each cell. This method is known as the "empirical probability estimation" originally published by Chung (2005). The map created this way shows each cell's place in their ranking based on the relative hazard values as a percentage for the whole study area (787 km2). These values provide information about how similar is a certain area to the areas already affected by landslides based on the four predictor variables. This map can also serve as a base for more complex landslide vulnerability studies involving

  13. The Vietnamese lending rate, policy-related rate, and monetary policy post-1997 Asian financial crisis

    Directory of Open Access Journals (Sweden)

    Chu V. Nguyen

    2015-12-01

    Full Text Available Asymmetries in the Vietnamese lending central bank’s policy-related rate spread were documented. Empirical results revealed that the spread adjusts to the threshold faster when the central bank’s policy-related rates decrease relative to the lending rates than when the central bank’s policy-related rates move in the opposite direction. Additionally, the empirical findings indicate that Vietnamese commercial banks exhibit competitive rate setting behavior which may be attributable to graft maximization by bank’s management. The results also show bidirectional Granger causality between the Vietnamese lending rate and the central bank’s policy-related rate, indicating that the lending rate and the central bank’s policy-related rate affect each other’s movements. These results suggest that monetary authority can use its countercyclical monetary policy instruments to achieve its macroeconomics objectives. However, the estimation results of the GARCH (2, 3-in-Mean model suggest that they should intervene more frequently and by small policy measures to minimize the conditional variance of the spread to minimize the magnitude of the cycle of the lending rate.

  14. Diversity Issues in the Army as Perceived by Army Students at the United States Army War College

    National Research Council Canada - National Science Library

    Webster, Cecil

    1997-01-01

    ..., welfare, and other related programs. In recognizing this diversity, this paper identifies some diversity issues within the Army, analyzes the perception of those diversity issues by the resident Army students in the USAWC Class of 1997...

  15. Comparative analysis of field ration for military personnel of the ukrainian army and armies of other countries worldwide

    OpenAIRE

    M. Mardar; M. Hkrupalo; M. Stateva

    2017-01-01

    For the purpose of improvement of the Ukrainian nutritional standards this Article provides comparative analysis of field rations of different countries worldwide to make a proposal on improvement of food-stuff assortment in food ration for military personnel in the Armed Forces of Ukraine, Army of USA, the British Army, Army of Germany, Army of Italy, Army of Canada, Army of France, Army of Belarus, Army of Armenia. In accordance with the comparative analysis it was established that ration c...

  16. Construction gets underway on Hungary's Modern Vault Dry Store

    International Nuclear Information System (INIS)

    Anon.

    1995-01-01

    A construction licence has recently been granted for a Modular Vault Dry Store (MVDS) for spent fuel at the Paks reactor site in Hungary. The store will be used for medium term (50 years) storage of spent fuel from four VVER-440 reactors. It is anticipated that storage capacity for 1350 fuel assemblies will be available by 1996. Two further construction phases will take the capacity to 4950, covering the first ten years of reactor operation. The design provides for further extension to accommodate a total 15000 assemblies, corresponding to 30 years of reactor operation. The MVDS has developed out of the first application of dry store technology to spent Magnox reactor fuel at the Wylfa power station in the United Kingdom 25 years ago. (UK)

  17. Talent identification in Hungary: From identification to investigation

    Directory of Open Access Journals (Sweden)

    Szilvia Péter-Szarka

    2015-03-01

    Full Text Available This article provides an outline of talent identification practices and challenges in Hungary. First, it gives a summary of gifted education in the country; then the general challenges of talent identification are introduced: difficulties of defining talent, talent as potential, environmental factors, the role of perseverance and motivation, and individual variety. Later, recent Hungarian identification practices are shown, followed by a summary and a conclusion about how our identification practice should be developed into an investigation of individual characetristics. We propose stronger focus on the use of cognitive profile tests, investigation of interest-based characteristics, the use of observation and dynamic assessment methods, teacher nomination and emphasizing the need for effort. The focus from identification toward investigation exploring individual needs and characteristics to provide the most appropriate pathway for development in the 21st century seems to be a more effective way of talent support than mere selection.

  18. An Energy Overview of the Republic of Hungary

    International Nuclear Information System (INIS)

    2003-01-01

    The DOE Office of Fossil Energy is maintaining a web site that is meant to provide useful business- and energy-related information about countries and regions of the world for exporters, project developers, and researchers. The site consists of more than 130 country pages (organized into seven different world regions), with each country page having its own set of links to information sources about that country. There are also more than 30 Country Energy Overviews at the web site -- each of these is a comprehensive review of a specific country's entire energy situation, including sections on Energy Policy, Oil, Natural Gas, Coal, Hydroelectric/Renewables, Nuclear Power, Energy Transmission Infrastructure, Electricity, Electric Industry Overview, Environmental Activities, Privatization, Trade, and Economic Situation. The specific country highlighted in this Country Energy Overview is Hungary. The site is designed to be dynamic. Updates to the overviews will be made as need and resources permit

  19. Reconstructing Quaternary pedogenesis in a paleosol sequence in Hungary

    Energy Technology Data Exchange (ETDEWEB)

    Uveges, J.B.; Horvath, Z.; Micheli, E.; Mindszenty, A.; Nemeth, T. [Szent Istvan University, Godollo (Hungary). Dept. of Agricultural Chemistry & Soil Science

    2003-07-01

    In addition to conducting field observations, mineralogical, chemical, and micromorphological analyses, and scanning electron microscope studies were carried out to reconstruct soil forming processes in a paleosol profile sequence located in an open-cast lignite mine in North Central Hungary (Visonta, pediment of the Matra Mountains). Based on these investigations, several different, sometimes contradictory processes were identified: bioturbation on various scales, shrinking-swelling, leaching, CaCO{sub 3} and Fe-oxide precipitation, erosion, sedimentation, weathering, clay mineral transformation, clay illuviation, organic matter accumulations, reduction and oxidation, and frost action. Joint occurrence of these phenomena indicates environmental changes during the formation of the studied sequence. Many of these processes overlap and might have occurred several times. The presence of erosional surfaces makes it more difficult to establish the exact age of this complex formation. All observations suggest that sedimentation and soil formation on the Matra pediment were not continuous during the Quaternary Period

  20. Oil and Gas Emergency Policy: Hungary 2012 update

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2012-09-06

    This publication provides a detailed look at the specific systems in Hungary for responding to an oil supply crisis. In 2007, the IEA published ''Oil Supply Security: Emergency Response of IEA Countries''. Rather than waiting for the completion of the current review cycle to renew this full publication, the IEA will provide updates to the country chapters as these become available following the specific country's review. The aim of series of publications is to provide an overview of the IEA oil emergency response system and a detailed look at the specific systems in each IEA country for responding to an oil supply crisis. The 2007 publication represented the findings of a five year review cycle of the emergency response mechanisms in IEA member countries. Since the 2007 publication, the IEA has started a new cycle of reviews which now includes reviewing gas emergency policies.

  1. The Changes of Ergonomics in Hungary and Engineering Education

    Directory of Open Access Journals (Sweden)

    Istvan Lükö

    2013-01-01

    Full Text Available Modern engineer training is not conceivable without knowledge of work psychology and ergonomics. In this paper, we would like to outline the situation of work psychology and ergonomics as well as their changes in Hungary. The technical approach to health and safety is linked to human health care, and, through that, to ergonomics. The traditional notion of ergonomics is the 'ergonomics of scales, levers and pedals', which has now become a field of research helping the development of socio-technical systems. Here, we present the developmental stages of ergonomics, divided into six periods, first, and then the relationship between environmental ergonomics and health and safety. In the last chapter, I shall expound a few details from Hungarian investigations in work psychology, as well as from the activity of prominent academic circles at certain universities.

  2. Management of black Locust (Robinia pseudoacacia L.) stands in Hungary

    Institute of Scientific and Technical Information of China (English)

    2002-01-01

    Black locust (Robinia pseudoacacia L.) was the first forest tree species to be imported from North America to Europe at the beginning of the 17th century. It is the most important fast-growing stand-forming tree species in Hungary . Black locust plantations can be successfully established in response to arange of economic and ecological opportunities. Plantation survival and productivity are maximized by matching the species' growth characteristics with silvicultura l options and land management needs. In the paper the sequence of forest tending operations in black locust stands is proposed, based on results of long-term st and structure and forest yield trials. Implementing good silvicultural plans and models will lead to profitable black locust stands and greater acceptance of the species by land managers. Black locust would also beavery useful species for energy productions as the related research results have been shown in the paper .

  3. Pricing and reimbursement of drugs and medical devices in Hungary.

    Science.gov (United States)

    Gulácsi, L; Dávid, T; Dózsa, Cs

    2002-01-01

    Similarly to other countries of Central and Eastern Europe, Hungary has witnessed massive diffusion of healthcare technology such as drugs and medical devices since 1990. While substantial new pharmaceuticals, medical devices, and procedures have been liberalized, there has been no proper evaluation or training in their use. Healthcare providers have come to find themselves as entrepreneurs in private practice, while patients are acquiring an increasing awareness as customers of healthcare,demanding services in return for their taxes and contributions. This has led to extremely irrational patterns of investment in technology, with most an obvious waste of resources, while leaving basic needs unmet. Both the National Health Insurance Fund and the Ministry of Finance believe that the current pharmaceutical and medical device bill is too high. However, introducing a more transparent and flexible pricing and reimbursement framework may enable a more efficient allocation of the limited resources to be achieved.

  4. Neolithic pottery at Polgar-10 (Hungary: measuring the habitus

    Directory of Open Access Journals (Sweden)

    John Chapman

    2002-12-01

    Full Text Available It is self-evidently true that ceramics form the largest component of the artefact assemblages of the Neolithic and Copper Age of Central and Eastern Europe, yet we are still poorly informed about the final stage of the life of most vessels – their ultimate disposal. In this paper, I wish to consider the ways in which pottery can be studied with respect to disposal and deposition. An assessment of ten different kinds of pottery analysis is made, using site single contexts as the main unit of analysis. I propose that these analyses constitute ways of measuring Bourdieu’s term “habitus”. This contextual analysis is based on examples taken from the Neolithic settlement of Polgar-10, in North East Hungary, excavated by the Upper Tisza Project in 1994.

  5. DEVELOPMENT OF MIGRATION POTENTIAL IN HUNGARY FROM 2000 UNTIL TODAY

    Directory of Open Access Journals (Sweden)

    Margit Csipkés

    2018-03-01

    Full Text Available Hearing the words “international migration”, two things might come to our mind. One of them is the emigration process and the other is the wave of refugees. In our study, we examined the changes of the number of employees emigrating from Hungary from 2000 until today. Nowadays, the examination of the migration potential is an important topic in Hungary, since the rate of Hungarian emigrants started to grow after 2006 and the rate of growth became even faster after 2010. The reason of the acceleration was the opening of the Austrian and German labour market. The actuality of the topic is based on the fact that international emigration merges the labour market’s processes, influences the given country’s employment level, moreover it has an influencing role on the rate of wages. Emigration from a given state has several reasons: natural disasters, war, marginalization, economic reasons, etc. In our study, we examine emigration caused by economic reasons. We have to take into consideration that measuring emigration processes is a difficult task, due to the lack of data. The reason of the deficiency is that those who leave the country, often forget to report their leaving. From 1 March 2013, only the permanent foreign settlement should be reported towards the administration (District Office, Consulate. Earlier, temporary (more than 3 months settlement was also obligatory to be reported. Many of the leaving Hungarians do not report their leaving, however working abroad for more than 3 months should be reported towards social insurance organizations and tax authorities. I would like to emphasise that my migration potential presentation does not show a direct correlation with the actual migration. However, this study might show the expected movement rates and the composition of emigrants.

  6. CLIMATE CHANGE AND HEALTH – CHALLENGES FOR HUNGARY

    Directory of Open Access Journals (Sweden)

    Anna Paldy

    2010-03-01

    Full Text Available In Hungary detailed research work has been carried out since several years to help the process of getting prepared and adapted to the impacts of climate change. The research activities concerned mainly the health impacts of heat waves (excess mortality. Based on the results of the time series statistical analysis of weather variables and daily mortality of Budapest, it was found that a 5º C increase of the daily mean temperature increases of the risk of all cause mortality by 10%; and the risk of death due to cardio-vascular diseases by 12%. The frequency of heat waves has been increasing since the nineties. The most extreme heat wave hit the country in 2007 with an excess mortality around 1100 cases. A three level heat health warning system was launched in 2005 as an action to support adaptation. A significant association was found between global radiation and the increase of melanoma cases. The incidence of melanoma morbidity increased between 2003– 2008, the number of new cases changed from 1854 to 2610. The data of the previous years support that there is an increasing risk of vector borne diseases, as the continuous increase of the incidence of Lyme diseases (15% per year showed it. Although tick-borne encephalitis is present in the country, the incidence of the disease does not show a strong correlation with climate variability. Diseases like West Nile virus and Hanta virus infection appeared and showed an increasing tendency. The vector of Leishmaniasis also appeared in Hungary. Another consequence of climate change is the temporal and spatial change of allergenic plant species. New, invasive plants will appear, the length of pollination has been increasing.

  7. Demographic processes of developmentally peripheral areas in Hungary

    Directory of Open Access Journals (Sweden)

    Pénzes János

    2015-01-01

    Full Text Available The current study investigates the demographic processes and challenges of the Hungarian developmentally peripheral settlements. Demographic challenges can be regarded as important consequences of the social and economic disadvantages in spatial terms. However, the interrelating negative demographic tendencies cause even more backward situation blocking or hindering the development. The objective of the current analysis is to discover the demographic characteristics of the peripheral settlements, to detect the spatial disparities and to point out the correlation between backwardness and the investigated demographic phenomena with the help of the census databases 1980-2011 and local datasets on Roma population. Using methods of multivariate statistical analysis, seven indicators were selected in order to achieve the goals of the paper. Backward areas are primarily characterized by population decrease with significant disparities, but there were growing communities among them as well. Some small villages in Northern and Southwestern Hungary will foreseeably face complete depopulation within few years. Primarily small sized villages faced intense decrease in rate of natural change, but dynamic population growth was also detected. Migration loss tends to correlate with the extent of peripherality, as increasing values of migration balance accompany decreasing ratio of peripheral settlements in the area. The ratio of elderly population shows an expressively two-faced character, with the extremely aging and very juvenile settlements. The ratios of Roma population reflect the scale of peripherality. Extended ethnic change could be predicted in Northeastern and Southwestern Hungary and near the Middle Tisza valley. Presented demographic processes will make the backwardness of most of the peripheral settlements stable.

  8. Evaluating the new soil erosion map of Hungary

    Science.gov (United States)

    Waltner, István; Centeri, Csaba; Takács, Katalin; Pirkó, Béla; Koós, Sándor; László, Péter; Pásztor, László

    2017-04-01

    With growing concerns on the effects of climate change and land use practices on our soil resources, soil erosion by water is becoming a significant issue internationally. Since the 1964 publication of the first soil erosion map of Hungary, there have been several attempts to provide a countrywide assessment of erosion susceptibility. However, there has been no up-to-date map produced in the last decade. In 2016, a new, 1:100 000 scale soil erosion map was published, based on available soil, elevation, land use and meteorological data for the extremely wet year of 2010. The map utilized combined outputs for two spatially explicit methods: the widely used empirical Universal Soil Loss Equation (USLE) and the process-based Pan-European Soil Erosion Risk Assessment (PESERA) models. The present study aims to provide a detailed analysis of the model results. In lieu of available national monitoring data, information from other sources were used. The Soil Degradation Subsystem (TDR) of the National Environmental Information System (OKIR) is a digital database based on a soil survey and farm dairy data collected from representative farms in Hungary. During the survey all kind of degradation forms - including soil erosion - were considered. Agricultural and demographic data was obtained from the Hungarian Central Statistical Office (KSH). Data from an interview-based survey was also used in an attempt to assess public awareness of soil erosion risks. Point-based evaluation of the model results was complemented with cross-regional assessment of soil erosion estimates. This, combined with available demographic information provides us with an opportunity to address soil erosion on a community level, with the identification of regions with the highest risk of being affected by soil erosion.

  9. Basic characteristics of hospital stroke services in Eastern Hungary

    International Nuclear Information System (INIS)

    Mihalka, Laszlo; Fekete, Istvan; Csepany, Tuende; Csiba, Laszlo; Bereczki, Daniel

    1999-01-01

    Stroke mortality is extremely high in Central-Eastern European countries. We report basic characteristics of a stroke unit in Eastern Hungary, including age and sex distribution; the proportion of transient ischemic attacks (TIA), ischemic and hemorrhagic strokes; case fatality; application of diagnostic methods; and length of stay for all patients treated with acute cerebrovascular disease over a 12-month period. Records of all patients with acute cerebrovascular disease (n = 522) discharged in 1995 from a stroke unit with a well defined catchment area of 220,000 inhabitants in Eastern Hungary were retrospectively analyzed. Case fatality was 18.6% for all patients and 21.1% after excluding cases with TIA. Computer tomography, duplex carotid ultrasound, cerebrospinal fluid examination and electroencephalography were performed in 79%, 77%, 7% and 2% of the patients, respectively. The database of the university hospital with the same catchment area was electronically searched for patients who were discharged with the diagnosis of stroke from the three departments of internal medicine. Stroke mortality data of the catchment area based on death certificates was obtained from the Central Statistical Bureau. Two hundred twenty-eight stroke deaths were reported in the catchment area in 1995. In the same period 97 stroke deaths occurred at the stroke unit and 76 at the departments of internal medicine. If we aim to treat all patients with acute stroke at the stroke unit, with the present stroke incidence and duration of hospital stay the current capacity of the stroke unit (1 bed per 10.000 inhabitants) should be doubled

  10. Economic policy uncertainty, credit risks and banks lending decisions: Evidence from Chinese commercial banks

    Institute of Scientific and Technical Information of China (English)

    Qinwei Chi; Wenjing Li

    2017-01-01

    Using data for Chinese commercial banks from 2000 to 2014, this paper examines the effects of economic policy uncertainty(EPU) on banks’ credit risks and lending decisions. The results reveal significantly positive connections among EPU and non-performing loan ratios, loan concentrations and the normal loan migration rate. This indicates that EPU increases banks’ credit risks and negatively influences loan size, especially for joint-equity banks. Given the increasing credit risks generated by EPU, banks can improve operational performance by reducing loan sizes. Further research indicates that the effects of EPU on banks’ credit risks and lending decisions are moderated by the marketization level, with financial depth moderating the effect on banks’ credit risks and strengthening it on lending decisions.

  11. Answering the Hottest Question in Army Education: What Is Army University?

    Science.gov (United States)

    Kem, John S.; LeBoeuf, Eugene J.; Martin, James B.

    2016-01-01

    The most common question heard by senior members of Army University is always, "What is Army University?" The newest education institution in the U.S. Army was created to unify the training and educational institutions of the Army, making the large learning organization more effective and efficient for its soldiers, bringing together 37…

  12. How signaling and search costs affect information asymmetry in P2P lending: the economics of big data

    OpenAIRE

    Yan, Jiaqi; Yu, Wayne; Zhao, J. Leon

    2015-01-01

    In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying ho...

  13. Lending booms, reserves, and the sustainability of short-term debt - inferences from the pricing of syndicated bank loans

    OpenAIRE

    Eichengreen, Barry; Mody, Ashoka

    1999-01-01

    Academics pay little attention to international bank lending, focusing instead on rapidly growing market segments such as the international bond market and derivative credit instruments. The authors argue for paying more attention to international bank lending. Why? Three reasons. First, the syndicated bank loan is one of the workhorses of international capital markets. Second, international bank lending is especially important for private-sector borrowers, whose participation in internationa...

  14. Operational Reach: Is Current Army Doctrine Adequate?

    National Research Council Canada - National Science Library

    Heintzelman, Scott

    2003-01-01

    The term operational reach, an element of operational design, is new to U.S. Army doctrine. Operational reach is not found in the previous edition of the Army's basic operational doctrine, Field Manual...

  15. Macroeconomics and FinTech: Uncovering Latent Macroeconomic Effects on Peer-to-Peer Lending

    OpenAIRE

    Foo, Jessica; Lim, Lek-Heng; Wong, Ken Sze-Wai

    2017-01-01

    Peer-to-peer (P2P) lending is a fast growing financial technology (FinTech) trend that is displacing traditional retail banking. Studies on P2P lending have focused on predicting individual interest rates or default probabilities. However, the relationship between aggregated P2P interest rates and the general economy will be of interest to investors and borrowers as the P2P credit market matures. We show that the variation in P2P interest rates across grade types are determined by three macro...

  16. The Evolution of Army Leader Development

    Science.gov (United States)

    2013-03-01

    Human Resources Command, OPMD- MFE -I. 4 U.S. Army General Officer Management Office, Army General Officer Roster (Washington, DC, U.S. Department of the...Human Resources Command, Command Management Branch post board data analysis. 15 Data from the United States Army Human Resources Command, OPMD- MFE -A...May 1, 2008), D-1. 25 19 Data from the United States Army Human Resources Command, OPMD- MFE -A, 01 February, 2013. 20 U.S. Joint Chiefs of

  17. Agriculture and dairy in Eastern Europe after transition focused on Poland and Hungary

    NARCIS (Netherlands)

    Tonini, A.

    2007-01-01

    Keywords: CEECs, Hungary, Poland, dairy, micro economic theory, efficiency, productivity, allocative efficiency, stochastic frontier, profit function, Markov chain, and maximum entropy econometrics.This thesis analyzes the transition of an economic sector, from a socialist system to a market

  18. 76 FR 12087 - Army Educational Advisory Committee

    Science.gov (United States)

    2011-03-04

    ...: U.S. Army War College Subcommittee of the Army Education Advisory Committee. Dates of Meeting: March 24, 2011. Place of Meeting: U.S. Army War College, 122 Forbes Avenue, Carlisle, PA, Command... faculty; table and examine online College issues; assess resident and distance education programs, self...

  19. 75 FR 7255 - Army Educational Advisory Committee

    Science.gov (United States)

    2010-02-18

    ... Committee: U.S. Army War College Subcommittee of the Army Education Advisory Committee. Date of Meeting: March 11, 2010. Place of Meeting: U.S. Army War College, 122 Forbes Avenue, Carlisle, PA, Command...; table and examine online College issues; assess resident and distance education programs, self- study...

  20. 32 CFR 631.14 - Army policy.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Army policy. 631.14 Section 631.14 National Defense Department of Defense (Continued) DEPARTMENT OF THE ARMY (CONTINUED) LAW ENFORCEMENT AND CRIMINAL...-Installation Operations (Military Patrols and Investigative Activities) and Policy § 631.14 Army policy. (a...

  1. Research and higher education background of the Paks Nuclear Power Plant, Hungary. Past and present

    International Nuclear Information System (INIS)

    Csom, Gy.

    2002-01-01

    The connection of the Paks Nuclear Power Plant, Hungary, with research and development as well as with higher education is discussed. The main research areas include reactor physics, thermohydraulics, radiochemistry and radiochemical analysis, electronics and nuclear instruments, computers, materials science. The evolution of relations with higher education in Hungary and the PNPP is presented, before and after the installation of the various units. (R.P.)

  2. 12 CFR 614.4351 - Computation of lending and leasing limit base.

    Science.gov (United States)

    2010-01-01

    ... adjustments: (1) Where one institution invests in another institution in connection with the sale of a loan... the purchasing institution. (2) Stock protected under section 4.9A of the Act may be included in the lending and leasing limit base until January 1, 1998. (3) Any amounts of preferred stock not eligible to...

  3. The Impact of Organizational Structure and Lending Technology on Banking Competition

    NARCIS (Netherlands)

    Degryse, H.A.; Laeven, L.; Ongena, S.

    2006-01-01

    Recent theoretical models argue that a bank's organizational structure reflects its lending technology.A hierarchically organized bank will employ mainly hard information, whereas a decentralized bank will rely more on soft information.We investigate theoretically and empirically how bank

  4. A decision support model for investment on P2P lending platform.

    Science.gov (United States)

    Zeng, Xiangxiang; Liu, Li; Leung, Stephen; Du, Jiangze; Wang, Xun; Li, Tao

    2017-01-01

    Peer-to-peer (P2P) lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model) is more efficient and stable than the individual model alone.

  5. Peer monitoring, social ties and moral hazard in group lending programmes : evidence from Eritrea

    NARCIS (Netherlands)

    Hermes, C.L.M.; Lensink, B.W.; Mehrteab, H.T.

    2003-01-01

    In this paper, we provide an empirical analysis of the impact of monitoring and social ties within group lending programs on moral hazard behavior of its participants, based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We find support for the fact that

  6. A decision support model for investment on P2P lending platform.

    Directory of Open Access Journals (Sweden)

    Xiangxiang Zeng

    Full Text Available Peer-to-peer (P2P lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model is more efficient and stable than the individual model alone.

  7. Peer monitoring, social ties and moral hazard in group lending programs : Evidence from Eritrea

    NARCIS (Netherlands)

    Hermes, N; Lensink, R; Mehrteab, HT

    In this paper, we investigate the impact of monitoring and social ties on moral hazard behavior within group lending programs. Our study is based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We separately analyze the impact of group leaders and other

  8. Link About It: Information Asymmetry, Knowledge Pooling and Syndication in Project Finance Lending

    NARCIS (Netherlands)

    Contreras, Gaby; Bos, Jaap; Kleimeier, Stefanie

    2018-01-01

    In a collaborative setting, banks have an additional way to deal with asymmetric information between themselves and their borrowers: by pooling information. We explore the extent to which lead arrangers in the project finance syndicated lending market strategically choose their new partners in order

  9. 12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

    Science.gov (United States)

    2010-01-01

    ... board of directors. Real estate lending is an integral part of many institutions' business plans and... both internal and external factors in the formulation of its loan policies and strategic plan. Factors... institution's board of directors. (See additional reporting requirements described under “Exceptions to the...

  10. Can governments maintain hard budget contraints? : bank lending and financial isolaton in Romania

    NARCIS (Netherlands)

    Carare, O.V.; Claessens, C.A.M.F.; Perotti, E.C.

    2000-01-01

    This paper examines the empirical evidence on the impact of reforms in the financial sector in Romania in the period 1993-1995. The methodological framework of the paper is based on a theoretical model of intertemporal bank lending in a transition country with uncertain prospects for stabilization

  11. Interbank Lending Decisions in An Economic Downturn: An Agent-Based Approach

    Directory of Open Access Journals (Sweden)

    Deddy P. Koesrindartoto

    2012-01-01

    Full Text Available Interbank lending is one mechanism that can make shock, which is accepted by one bank spread to other banks (contagion. There are several researchers that focused their research on analyzing the effect of interbank lending to systemic risk. However, there is a few research that analyzed the effect of banks’ decision maker’s behavior, especially on the bank interbank lending to the systemic risk. In this research, the author creates an agent-based  simulation of the banking system to analyze the effect of banks’ decision maker’s behavior to systemic risk in economic downturn condition. The preliminary result from this research is for an economic downturn in a long time period, the banking system with a low net worth to the asset's ratio threshold will produce more default bank than the banking system with a high net worth to the asset's ratio threshold. However, for an economic downturn in small time period, banking system which all bank in their system has the higher net worth to assets ratio threshold will have the default bank first than the banking system which has the lower net worth to the asset's ratio threshold. Keywords: agent-based simulation, banker behavior, interbank lending, economic downturn

  12. 13 CFR 120.1900 - When does the Secondary Market Lending Authority Program end?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false When does the Secondary Market Lending Authority Program end? 120.1900 Section 120.1900 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of an SBA Direct Loan Program for Systemically Important Secondary...

  13. 12 CFR 31.2 - Insider lending restrictions and reporting requirements.

    Science.gov (United States)

    2010-01-01

    ... contained in 12 CFR part 215. (b) Enforcement. The Comptroller of the Currency administers and enforces... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Insider lending restrictions and reporting requirements. 31.2 Section 31.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY...

  14. 77 FR 39387 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date

    Science.gov (United States)

    2012-07-03

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...

  15. 76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2011-05-24

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit Administration. ACTION: Final rule. SUMMARY: The... (collectively loan) concentration risks. We expect this final rule will increase the safe and sound operation of...

  16. 75 FR 50936 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2010-08-18

    ...-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit... sound operation of System institutions by strengthening their risk management practices and abilities to... the establishment of consistent, uniform and prudent concentration risk management policies by System...

  17. Banking Competition and Soft Budget Constraints: How Market Power can Threaten Discipline in Lending

    NARCIS (Netherlands)

    Arping, S.

    2012-01-01

    n imperfectly competitive credit markets, banks can face a tradeoff between exploiting their market power and enforcing hard budget constraints. As market power rises, banks eventually find it too costly to discipline underperforming borrowers by stopping their projects. Lending relationships become

  18. Transforming LEND leadership training curriculum through the maternal and child health leadership competencies.

    Science.gov (United States)

    Humphreys, Betsy P; Couse, Leslie J; Sonnenmeier, Rae M; Kurtz, Alan; Russell, Susan M; Antal, Peter

    2015-02-01

    The purpose of this article is to describe how the Maternal and Child Health (MCH) Leadership Competencies (v 3.0) were used to examine and improve an MCH Leadership Education in Neurodevelopmental and Related Disabilities (LEND) training curriculum for New Hampshire and Maine. Over 15 % of the nation's children experience neurodevelopmental disabilities or special health care needs and estimates suggest 1 in every 68 children is diagnosed with an autism spectrum disorder. Across the Unites States critical shortages of qualified MCH professionals exist, particularly in poor and rural areas. A continued investment in training interdisciplinary leaders is critical. The MCH Leadership Competencies provide an effective foundation for leadership training through identification of requisite knowledge, skills, and dispositions required of MCH leaders. This paper describes a three-step process, which began in 2010 and included utilizing the MCH Leadership Competencies as a tool to reflect on, develop, and evaluate the NH LEND leadership curriculum. Curriculum development was further supported through participation in a multi-state learning collaborative. Through a series of intentional decisions, the curriculum design of NH LEND utilized the competencies and evidence-based principles of instruction to engage trainees in the development of specific MCH content knowledge and leadership skills. The LEND network specifically, and MCH leadership programs more broadly, may benefit from the intentional use of the MCH competencies to assist in curriculum development and program evaluation, and as a means to support trainees in identifying specific leadership goals and evaluating their leadership skill development.

  19. Identifying the mechanism : is there a bank lending channel of monetary transmission in the Netherlands?

    NARCIS (Netherlands)

    Kakes, J

    The paper investigates the role of bank lending in the monetary transmission process in the Netherlands. The Johansen approach is used to identify supply and demand relationships in the credit market, and it is concluded from the short-run dynamics that this market is demand-determined. In this way,

  20. Current Situation of Household Income as a Factor, Having Impact on Mortgage Lending in Mongolia

    Directory of Open Access Journals (Sweden)

    Khuselchimeg Batbileg

    2012-04-01

    Full Text Available Amount of household income is the most important factor for housing loan. The article studies mortgage lending in Ulaanbaatar in 2007–2009, the factor, having great impact on the current economy of Mongolia, carries out the comparative analysis of capital’s medium and low income households and presents methods, which will help to solve these problems.

  1. Group lending and the role of the group leader : Theory and evidence from Eritrea

    NARCIS (Netherlands)

    Eijkel, Remco van; Hermes, Niels; Lensink, Robert

    2007-01-01

    Abstract: This paper investigates the strategic monitoring behaviour within a group lending setting. We develop a theoretical model, showing that monitoring efforts of group members differ from each other in equilibrium, as a result of the asymmetry between these members in terms of the future

  2. 7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

    ... security and recovery of loan losses must provide for the pro rata recovery and distribution between the... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund... BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural...

  3. Nothing special about banks : Competition and bank lending in Britain 1885-1925

    NARCIS (Netherlands)

    Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

    2017-01-01

    We investigate the impact of increasing bank concentration on bank loan contracts in a lightly regulated environment. This environment allows us to abstract from possible confounding effects of regulation to focus on the “pure” effects of competition on bank lending. We study over 30,000 British

  4. Integrating Family as a Discipline by Providing Parent Led Curricula: Impact on LEND Trainees' Leadership Competency.

    Science.gov (United States)

    Keisling, Bruce L; Bishop, Elizabeth A; Roth, Jenness M

    2017-05-01

    Background While the MCH Leadership Competencies and family as a discipline have been required elements of Leadership Education in Neurodevelopmental and related Disabilities (LEND) programs for over a decade, little research has been published on the efficacy of either programmatic component in the development of the next generation of leaders who can advocate and care for Maternal and Child Health (MCH) populations. Objective To test the effectiveness of integrating the family discipline through implementation of parent led curricula on trainees' content knowledge, skills, and leadership development in family-centered care, according to the MCH Leadership Competencies. Methods One hundred and two long-term (≥ 300 h) LEND trainees completed a clinical and leadership training program which featured intensive parent led curricula supported by a full-time family faculty member. Trainees rated themselves on the five Basic and Advanced skill items that comprise MCH Leadership Competency 8: Family-centered Care at the beginning and conclusion of their LEND traineeship. Results When compared to their initial scores, trainees rated themselves significantly higher across all family-centered leadership competency items at the completion of their LEND traineeship. Conclusions The intentional engagement of a full-time family faculty member and parent led curricula that include didactic and experiential components are associated with greater identification and adoption by trainees of family-centered attitudes, skills, and practices. However, the use of the MCH Leadership Competencies as a quantifiable measure of program evaluation, particularly leadership development, is limited.

  5. 78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-22

    ... the Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., based on findings that economic stability... Current Mortgage Origination Market Even with the economic downturn and tightening of credit standards...'' numbered 7, 10, 11, and 12, maintained by the Economic Research Service (ERS) of the United States...

  6. Empirical Analysis of Effects of Bank Mergers and Acquisitions on Small Business Lending in Nigeria

    Science.gov (United States)

    Ita, Asuquo Akabom

    2012-11-01

    Mergers and acquisitions are the major instruments of the recent banking reforms in Nigeria.The effects and the implications of the reforms on the lending practices of merged banks to small businesses were considered in this study. These effects were divided into static and dynamic effects (restructuring, direct and external). Data were collected by cross-sectional research design and were subsequently analyzed by the ordinary least square (OLS) method.The analyses show that bank size, financial characteristics and deposit of non-merged banks are positively related to small business lending. While for the merged banks, the reverse is the case. From the above result, it is evident that merger and acquisition have not only static effect on small business lending but also dynamic effect, therefore, given the central position of small businesses in the current government policy on industrialization in Nigeria, policy makers in Nigeria, should consider both the static and dynamic effects of merger and acquisition on small business lending in their policy thrust.

  7. Male parentage in army ants

    DEFF Research Database (Denmark)

    Kronauer, Daniel J C; Schöning, Caspar; Boomsma, Jacobus J

    2006-01-01

    of active research in insect sociobiology. Here we present microsatellite data for 176 males from eight colonies of the African army ant Dorylus (Anomma) molestus. Comparison with worker genotypes and inferred queen genotypes from the same colonies show that workers do not or at best very rarely reproduce...

  8. The Army word recognition system

    Science.gov (United States)

    Hadden, David R.; Haratz, David

    1977-01-01

    The application of speech recognition technology in the Army command and control area is presented. The problems associated with this program are described as well as as its relevance in terms of the man/machine interactions, voice inflexions, and the amount of training needed to interact with and utilize the automated system.

  9. Army Transformation to Expeditionary Formations

    National Research Council Canada - National Science Library

    Bryson, Jeff

    2008-01-01

    This thesis explores the path of transformation in the U.S. Army from its inception in the late 1990s by then Chief of Staff GEN Eric Shinseki to the Interim Brigade Combat Team and through Operations Enduring and Iraqi Freedom...

  10. Jews and Jewishness in Post-war Hungary

    Directory of Open Access Journals (Sweden)

    András Kovács

    2010-04-01

    Full Text Available The emergence of a seemingly harmonic symbiosis between Hungarian majority and Jewish minority in 19th century Hungary was a unique phenomenon in a European country where the proportion of Jews was close to 5 percent of the total population, and about 20 percent of the capital city, Budapest. However, after the shocking experience of the persecution in 1944 it was to expect that the factor –unlimited readiness for assimilation in the belief of the unlimited readiness of the majority for accepting it- that made the uniqueness of the Hungarian Jewry will cease to exist. Since quite a large group of the Hungarian Jews survived the Shoah it was not purely a theoretical question that what sort of identity strategies would emerge among the Jewish population of the country. How did the Jews react to the dramatic political changes that occurred in the decades following the Shoah, what kind of identity strategies they developed in the search for their place in the post-war Hungarian society? After a historical introduction the article discusses the changing socio-demographic and socio-economic characteristics of the post-war Hungarian Jews, Jewish politics in the decades of communist rule and finally the identity problems emerged in the post-war decades.

  11. Regional tendencies of extreme wind characteristics in Hungary

    Science.gov (United States)

    Radics, Dr.; Bartholy, Dr.; Péliné

    2009-09-01

    Human activities have substantial effects on climate system. It has already accepted that change in the long-term climatic mean state will have significant consequences in the global economy and society, but the most important effects of climate change may come from changes in the intensity and frequency of climatic extremes. It is therefore of great interest to document the extremes of surface wind that could assist in estimating the regional effects of climate change. The research presented is based on 34-year-long (1975-2008) wind (speed, direction, and wind gust) data sets of 36 Hungarian synoptic meteorological stations. After processing (including digitalisation of old instrumental records, quality control and homogenisation of wind time series) the measured wind data sets, time series and complex wind climate analysis were carried out. Spatial and temporal distributions of mean and extreme wind climate characteristics were estimated, wind extremes and trends were interpolated and mapped over the country. Finally, measured and reanalysed (ERA40) wind data were compared over Hungary, in order to verify not only the validity of ERA40 reanalysed data sets, but the adaptability of climate simulation results in estimation of regional climate change effects.

  12. The Beginning of Variable star astronomy in Hungary

    Science.gov (United States)

    Zsoldos, Endre

    Variable star astronomy began in Hungary as elsewhere: new objects have been recognized in the sky. Comets appeared in 16th - 17th century chronicles. The first mention of the new star of 1572 seems to be the "Prognosticon" of Wilhelm Misocacus, printed in 1578. New stars were discussed in the 17th century by Jesuits as well as Protestants. The work of Jacob Schnitzler is especially interesting from this point. The Cartesians dealt with new stars with less enthusiasm, they hardly mentioned them. The beginning of the 19th century saw the development of science in Hungarian, variable stars, however, were left out. The birth of variable star astronomy might be linked to the Ógyalla Observatory, originally a private observatory of Miklós Konkoly Thege. The 1885 supernova in the Andromeda Nebula were observed there, as well as the spectra of a few interesting variable stars. Theoretical astrophysics also has its beginnings in Ógyalla through the work of Radó Kövesligethy. Professional variable star astronomy started here in the early 20th century through the work of Antal Tass

  13. Structural Components of Lifestyle and Beyond: The Case of Hungary

    Directory of Open Access Journals (Sweden)

    Tamás Keller

    2011-06-01

    Full Text Available This paper deals with the question of when and how lifestyle and its components are important in social stratification. There is considerable consensus among scholars about the structure of the society being a consequence of hierarchical dimensions like occupation, income, or wealth. Some thirty years ago, largely based on Bourdieu’s “Distinction”, a new paradigm emerged highlighting the lifestyle components and the value-oriented cultural and material consumption in stratifi cation. The idea refl ects the empirical fi nding that inequality between social classes has largely decreased, giving priority to horizontal lifestyle differentiation instead of vertical inequality dimensions. From a theoretical viewpoint, a challenge in the approach is finding out to what extent lifestyle typology is of a non-vertical character in reality. This social determination of lifestyle is investigated for Hungary when comparing an occupation-based typology with a consumption-based one. On the one hand, results reveal that the effects of structural components on social status are stronger than those of lifestyle. On the other hand, lifestyle turns out to be less independent of social position and the top and bottom levels of the lifestyle typology are particularly predictable by structural measures.

  14. Spent fuel management in Hungary: Current status and prospects

    International Nuclear Information System (INIS)

    Ferenczi, G.

    1996-01-01

    The Paks Nuclear Power Plant Ltd. operates the only NPP of Hungary, consisting of a 4 WWER-440 type units. Since 1989, approximately 40-50 % of the total yearly electricity generation of the country has been supplied by this plant. The fresh fuel is imported from Russia (previously from the Soviet Union) and the spent fuel assemblies are shipped back to Russia for later reprocessing after 5 years of decay storage in the spent fuel pools of the plant. Seeing the political and economical changes that started in Russia, the Paks NPP's management made a decision in 1990 to study the implementation of an independent spent fuel storage facility (ISFSF) at the Paks site and in 1992 to choose the GEC-ALSTHOM's MVDS. On the basis of the Construction License issued by the HAEC, the construction of the ISFSF was started in March 1995. The paper gives general information on the spent fuel arisings, the storage at the site, the shipment to Russia and on the implementation of the ISFSF. (author). 3 refs

  15. Diabetic Retinopathy Screening Using Telemedicine Tools: Pilot Study in Hungary

    Directory of Open Access Journals (Sweden)

    Dóra J. Eszes

    2016-01-01

    Full Text Available Introduction. Diabetic retinopathy (DR is a sight-threatening complication of diabetes. Telemedicine tools can prevent blindness. We aimed to investigate the patients’ satisfaction when using such tools (fundus camera examination and the effect of demographic and socioeconomic factors on participation in screening. Methods. Pilot study involving fundus camera screening and self-administered questionnaire on participants’ experience during fundus examination (comfort, reliability, and future interest in participation, as well as demographic and socioeconomic factors was performed on 89 patients with known diabetes in Csongrád County, a southeastern region of Hungary. Results. Thirty percent of the patients had never participated in any ophthalmological screening, while 25.7% had DR of some grade based upon a standard fundus camera examination and UK-based DR grading protocol (Spectra™ software. Large majority of the patients were satisfied with the screening and found it reliable and acceptable to undertake examination under pupil dilation; 67.3% were willing to undergo nonmydriatic fundus camera examination again. There was a statistically significant relationship between economic activity, education and marital status, and future interest in participation. Discussion. Participants found digital retinal screening to be reliable and satisfactory. Telemedicine can be a strong tool, supporting eye care professionals and allowing for faster and more comfortable DR screening.

  16. Prevalence of stroke/cardiovascular risk factors in Hungary

    Science.gov (United States)

    Bodo, M.; Sipos, K.; Thuroczy, G.; Panczel, G.; Ilias, L.; Szonyi, P.; Bodo, M., Jr.; Nebella, T.; Banyasz, A.; Nagy, Z.

    2010-04-01

    A cross-sectional survey was conducted in Hungary using the Cerberus system which includes: 1) a questionnaire addressing the risk factors for stroke/cardiovascular disease; 2) amplifiers to record the pulse waves of cerebral arteries (rheoencephalography) and peripheral arteries, electrocardiogram and electroencephalogram. Additionally, subjects were measured for carotid stenosis by Doppler ultrasound and 12-lead electrocardiogram; subjects were also screened for blood cholesterol, glucose, and triglyceride levels. Prevalence of the following stroke risk factors was identified: overweight, 63.25%; sclerotic brain arteries (by rheoencephalogram), 54.29%; heart disease, 37.92%; pathologic carotid flow, 34.24%; smoking, 30.55%; high blood cholesterol, 28.70%; hypertension, 27.83%; high triglyceride, 24.35%; abnormality in electrocardiogram, 20%; high glucose, 15.95%; symptoms of transient ischemic attack, 16.07%; alcohol abuse, 6.74%; and diabetes, 4.53%. The study demonstrates a possible model for primary cardiovascular disease/stroke prevention. This method offers a standardizable, cost effective, practical technique for mass screenings by identifying the population at high risk for cardiovascular disturbances, especially cerebrovascular disease (primary prevention). In this model, the rheoencephalogram can detect cerebrovascular arteriosclerosis in the susceptibility/presymptomatic phase, earlier than the Doppler ultrasound technique. The method also provides a model for storing analog physiological signals in a computer-based medical record and is a first step in applying an expert system to stroke prevention.

  17. Contribution of clinical trials to gross domestic product in Hungary.

    Science.gov (United States)

    Kaló, Zoltán; Antal, János; Pénzes, Miklós; Pozsgay, Csilla; Szepezdi, Zsuzsanna; Nagyjánosi, László

    2014-10-01

    To determine the contribution of clinical trials to the gross domestic product (GDP) in Hungary. An anonymous survey of pharmaceutical companies and clinical research organizations (CROs) was conducted to estimate their clinical trial-related employment and revenues. Clinical trial documents at the National Institute of Pharmacy (NIP) were analyzed to estimate trial-related revenues at health care institutions and the value of investigational medical products (IMPs) based on avoided drug costs. Financial benefits were calculated as 2010 US $ purchasing power parity (PPP) values. Clinical trials increased the revenue of Hungarian health care providers by 1 US $65.6 million. The value of IMPs was US $67.0 million. Clinical trial operation and management activities generated 900 jobs and US $166.9 million in revenue among CROs and pharmaceutical companies. The contribution of clinical trials to the Hungarian GDP in 2010 amounted to 0.2%. Participation in international clinical trials may result in health, financial, and intangible benefits that contribute to the sustainability of health care systems, especially in countries with severe resource constraints. Although a conservative approach was employed to estimate the economic benefits of clinical trials, further research is necessary to improve the generalizability of our findings.

  18. Spatial distribution of Anaplasma phagocytophilum and Hepatozoon canis in red foxes (Vulpes vulpes) in Hungary.

    Science.gov (United States)

    Tolnai, Z; Sréter-Lancz, Z; Sréter, T

    2015-07-01

    In recent years, Ehrlichia canis and Hepatozoon canis transmitted by Rhipicephalus sanguineus were reported from Hungary. The aim of the present study was to reveal the spatial distribution pattern of pathogens transmitted by R. sanguineus in a sentinel species, red fox (Vulpes vulpes) in Hungary and to analyse the relationship of these patterns with landscape and climate by geographical information systems. Fox carcasses, representing 0.5% of the total fox population were randomly selected out of all the foxes of Hungary. The spleen samples of the animals were tested by real-time PCR for Anaplasma platys, Babesia vogeli, E. canis and H. canis infection. Positive results were confirmed by conventional PCR followed by sequencing. The prevalence of H. canis infection was 22.2% (95% CI=18.4-26.4%), and this parasite was detected in all areas including the mountain regions of Hungary. These findings indicate that other tick species or other transmission routes (oral and transplacental) might be in the background of the countrywide distribution of H. canis. Anaplasma platys was not found; nevertheless, the prevalence of Anaplasma phagocytophilum infection transmitted by Ixodes ricinus was 12.5% (95% CI=9.7-16.1%) in foxes. B. vogeli and E. canis infection was not detected. There was no correlation between environmental parameter values in the home range of foxes and A. phagocytophilum or H. canis infection, which is in line with that observed in the case of tick species infesting foxes in Hungary. The results of this study indicate that R. sanguineus, if present, might be rare in Hungary. Our baseline study can be used for future evaluation of the effect of climate change on the spreading and emergence of R. sanguineus transmitted pathogens in Hungary. Copyright © 2015 Elsevier GmbH. All rights reserved.

  19. 2013 Center for Army Leadership Annual Survey of Army Leadership (CASAL): Army Civilian Leaders

    Science.gov (United States)

    2014-05-30

    Army civilian workforce with regard to gender and ethnic origin (Office of the Assistant G-1 for Civilian Personnel, 2013). The reported education...climates of perceived inequality . Civilian leader comments frequently referenced favoritism as reflecting cronyism, unfair personnel actions, and...interests of others, unequal enforcement of standards and discipline, and use of discretion in workplace justice. As demonstrated in previous CASAL

  20. 77 FR 50089 - Army Education Advisory Committee Meeting

    Science.gov (United States)

    2012-08-20

    ... DEPARTMENT OF DEFENSE Department of the Army Army Education Advisory Committee Meeting AGENCY... the Army announces the following committee meeting: Name of Committee: Army Education Advisory... learning environment. The agenda will include topics relating to Army Learning Model 2015 and support to...

  1. 77 FR 11084 - Army Education Advisory Committee Meeting

    Science.gov (United States)

    2012-02-24

    ... DEPARTMENT OF DEFENSE Department of the Army Army Education Advisory Committee Meeting AGENCY... the Army announces the following committee meeting: Name of Committee: Army Education Advisory... Army 2020 learning environment. The agenda will include topics relating Arm Learning Model 2015 and to...

  2. 75 FR 19302 - Radiation Sources on Army Land

    Science.gov (United States)

    2010-04-14

    ... possession of ionizing radiation sources by non-Army agencies (including their civilian contractors) on an... radiation sources on Army land. The Army requires Non-Army agencies (including their civilian contractors... ionizing radiation sources on an Army Installation. For the purpose of this proposed rule, ``ionizing...

  3. 78 FR 33074 - Army Science Board Summer Study Session

    Science.gov (United States)

    2013-06-03

    ...--This study evaluates what science and technology competencies the Army must maintain and/or develop as... DEPARTMENT OF DEFENSE Department of the Army Army Science Board Summer Study Session AGENCY... the Army announces the following committee meeting: 1. Name of Committee: Army Science Board (ASB). 2...

  4. 76 FR 56406 - Science and Technology Reinvention Laboratory Demonstration Project; Department of the Army; Army...

    Science.gov (United States)

    2011-09-13

    ... DEPARTMENT OF DEFENSE Office of the Secretary Science and Technology Reinvention Laboratory Demonstration Project; Department of the Army; Army Research, Development and Engineering Command; Tank... personnel management demonstration project for eligible TARDEC employees. Within that notice the table...

  5. The relative efficiency of bank branches in lending and borrowing: An application of data envelopment analysis

    Directory of Open Access Journals (Sweden)

    G van der Westhuizen

    2014-08-01

    Full Text Available The relative efficiency of fifty-two branches of a small South African bank was estimated using Data Envelopment Analysis (DEA.  A factor responsible for the difference in efficiency between branches might be the difference in managing the asset (loans and the liability (deposit side of the balance sheet.  For this reason, the relative efficiency of the lending and borrowing activities was also estimated and compared to the relative efficiency of the combined (lending and borrowing activities.In the case of the efficiency estimates for loans and deposits, the indications are that the branches were more efficient in managing the liability side (deposits than  in managing the asset side (loans.  This means that purchased funds were not utilised efficiently.

  6. Mortgage lending and house prices in Albania - a co-integrated analysis based on VECM

    Directory of Open Access Journals (Sweden)

    Erjona REBI

    2014-06-01

    Full Text Available The general view that the banks’ lending plays a crucial role in the real estate market was again confirmed during the recent financial crisis. During the precrisis period, house prices in Albania increased rapidly, supported also by a fast expansion of mortgage lending. This study aims to empirically analyse the relation between housing prices and banks’ financing in the long run, referring to a VECM model. The estimated results confirm the important role of mortgage to house prices. Meanwhile, the relation between house prices and interest rates resulted statistically insignificant. Unlike the previous literature, exchange rate has been included as an endogenous variable. Results show positive correlation and statistical significance between house prices and exchange rate. Finally, this paper is expected to contribute to the literature as there are very few studies that elaborate on the macroeconomic factors’ influence on the housing prices in Albania.

  7. IDENTIFYING BANK LENDING CHANNEL IN INDONESIA: A VECTOR ERROR CORRECTION APPROACH WITH STRUCTURAL BREAK

    Directory of Open Access Journals (Sweden)

    Akhsyim Afandi

    2017-03-01

    Full Text Available There was a question whether monetary policy works through bank lending channelrequired a monetary-induced change in bank loans originates from the supply side. Mostempirical studies that employed vector autoregressive (VAR models failed to fulfill thisrequirement. Aiming to offer a solution to this identification problem, this paper developed afive-variable vector error correction (VEC model of two separate bank credit markets inIndonesia. Departing from previous studies, the model of each market took account of onestructural break endogenously determined by implementing a unit root test. A cointegrationtest that took account of one structural break suggested two cointegrating vectors identifiedas bank lending supply and demand relations. The estimated VEC system for both marketssuggested that bank loans adjusted more strongly in the direction of the supply equation.

  8. Kyiv institutional buildings sector energy efficiency program: Lending and implementation assessment

    Energy Technology Data Exchange (ETDEWEB)

    Secrest, T.J.; Freeman, S.L. [Pacific Northwest National Lab., Richland, WA (United States); Popelka, A. [Tysak Engineering, Acton, MA (United States); Shestopal, P.A.; Gagurin, E.V. [Agency for Rational Energy Use and Ecology, Kyiv (Ukraine)

    1997-08-01

    The government of Ukraine, through the State Committee of Energy Conservation (State Committee), is considering the implementation of energy efficiency measures in state and municipal institutional buildings in the city of Kyiv. The State Committee entered into a Memorandum of Cooperation with the US Department of Energy (DOE) to conduct an assessment of the institutional buildings sector efficiency potential. This assessment will be used to support a potential loan by the World Bank for implementing a buildings efficiency improvement program in Kyiv. This report provides an assessment of the options for structuring the lending scenarios and the implementation of the program. Components to the lending structure are options for the disbursement of funds, options for the loan service, and other financial options and considerations. Program implementation includes management structures, reporting, installation activities, and post-installation activities such as training and verification.

  9. Case reports: arsenic pollution in Thailand, Bangladesh, and Hungary.

    Science.gov (United States)

    Jones, Huw; Visoottiviseth, Pornsawan; Bux, M Khoda; Födényi, Rita; Kováts, Nora; Borbély, Gábor; Galbács, Zoltán

    2008-01-01

    Although arsenic contamination in the three countries described herein differs, a number of common themes emerge. In each country, the presence of arsenic is both long term and of geological origin. Moreover, in each of these countries, arsenic was only recently discovered to be a potential public health problem, having been first formally recognized in the 1980s or 1990s. In Bangledesh, exposure of the public to arsenic arose as a result of the search for microbially safe drinking water; this search resulted in the sinking of tube wells into aquifers. In Hungary, the natural bedrock geology was responsible for contamination of aquifer water. The genesis of arsenic contamination in Thailand arose primarily from small-scale alluvial mining activities, which mobilized geologically bound arsenic. Because of the complex chemistry of arsenic, and variability in where it is found and how it is bound, multiple mitigation methods must be considered for mitigating episodes of environmental contamination. The Ron Phibun region of Thailand has a 100-yr history of tin mining. A geological survey of the region was conducted in the mid-1990s by the Department of Mineral Resources and Department of Industry of Thailand, and was supported by the British Geological Society. Skin cancer in Thailand was first reported in 1987, in the southern part of the country; among other symptoms observed, there was evidence of IQ diminutions among the population. Arsenic water levels to 9,000 pg/L were reported; such levels are substantially above any guideline levels. A long-term plan to mitigate arsenic contamination was devised in 1998-2000. The plan involved removal of arsenic-contaminated land and improved management of mining wastes. However, at $22 million, the cost was deemed prohibitive for the regional Thai economy. An alternative solution of providing pipeline drinking water to the exposed population was also unsuccessful, either because arsenic contamination levels did not fall

  10. Budapest, Hungary, Perspective View, SRTM Elevation Model with Landsat Overlay

    Science.gov (United States)

    2004-01-01

    After draining the northern flank of the Alps Mountains in Germany and Austria, the Danube River flows east as it enters this west-looking scene (upper right) and forms the border between Slovakia and Hungary. The river then leaves the border as it enters Hungary and transects the Transdanubian Mountains, which trend southwest to northeast. Upon exiting the mountains, the river turns southward, flowing past Budapest (purplish blue area) and along the western margin of the Great Hungarian Plain.South and west of the Danube, the Transdanubian Mountains have at most only about 400 meters (about 1300 feet) of relief but they exhibit varied landforms, which include volcanic, tectonic, fluvial (river), and eolian (wind) features. A thick deposit of loess (dust deposits likely blown from ancient glacial outwash) covers much of this area, and winds from the northwest, funneled between the Alps and the Carpathian Mountains, are apparently responsible for a radial pattern of erosional streaks across the entire region.This image was generated from a Landsat satellite image draped over an elevation model produced by the Shuttle Radar Topography Mission (SRTM). The view uses a 3-times vertical exaggeration to enhance topographic expression. The false colors of the scene result from displaying Landsat bands 1, 4, and 7 in blue, green, and red, respectively. Band 1 is visible blue light, but bands 4 and 7 are reflected infrared light. This band combination maximizes color contrasts between the major land cover types, namely vegetation (green), bare ground (red), and water (blue). Shading of the elevation model was used to further highlight the topographic features.Elevation data used in this image was acquired by the Shuttle Radar Topography Mission (SRTM) aboard the Space Shuttle Endeavour, launched on February 11, 2000. SRTM used the same radar instrument that comprised the Spaceborne Imaging Radar-C/X-Band Synthetic Aperture Radar (SIR-C/X-SAR) that flew twice on the Space

  11. 2013 CENTER FOR ARMY LEADERSHIP ANNUAL SURVEY OF ARMY LEADERSHIP (CASAL): MAIN FINDINGS

    Science.gov (United States)

    2014-04-30

    The Center for Army Profession and Ethic (CAPE) has fielded education and training materials (including doctrine, pamphlets , videos, brochures , and...Army Pamphlet (DA PAM) 600-3, Commissioned Officer Development and Career Management, states that a goal of warrant officer training and education... Pamphlet 600-25, U.S. Army noncommissioned officer professional development and career management. Washington, D.C.: Headquarters, Department of the Army

  12. Lending Competition and Relationship Banking: Evidence from Japanese Prefectural Level Data

    OpenAIRE

    Ogura, Yoshiaki; Yamori, Nobuyoshi

    2009-01-01

    The question of whether more competition among banks increases relationship banking, which is predicted to improve credit availability for informationally opaque firms in theory, is a controversial issue in the banking literature. By using firm-level survey data in Japan, this paper provides evidence for the negative correlation between lending competition and the provision of relationship banking . This paper raises the question whether fierce interbank competition is always beneficial for...

  13. Relationship lending, hierarchical distance and credit tightening: Evidence from the financial crisis

    OpenAIRE

    M. Cotugno; S. Monferrà; G. Sampagnaro

    2013-01-01

    This paper examines the firms’ credit availability during the 2007–2009 financial crisis using a dataset of 5331 bank–firm relationships provided by borrowers’ credit folders of three Italian banks. It aims to test whether a strong lender–borrower relationship can produce less credit rationing for borrowing firms even during a credit crunch period. The results show that exclusivity of the relationship can mitigate the firm credit rationing. We also verify the influence of lending organization...

  14. Do capital buffers mitigate volatility of bank lending? A simulation study

    OpenAIRE

    Heid, Frank; Krüger, Ulrich

    2011-01-01

    Critics claim that capital requirements can exacerbate credit cycles by restricting lending in an economic downturn. The introduction of Basel 2, in particular, has led to concerns that risksensitive capital charges are highly correlated with the business cycle. The Basel Committee is contemplating a revision of the Basel Accord by introducing counter-cyclical capital buffers. Others claim that capital buffers are already large enough to absorb fluctuations in credit risk. We address the ques...

  15. The Sharing Economy and Collaborative Finance: the Case of P2p Lending in Vietnam

    OpenAIRE

    Uyen, Tran Dinh; Ha, Hoang

    2017-01-01

    Peer-to-peer Online Lending (P2PO) has received increasing attention over the last years, not only because of its disruptive nature and its disintermediation of nearly all major banking functions, but also because of its rapid growth and expanding breadth of services. This model offers a new way of investing in addition to investing in traditional channels such as banking or financial company. The transaction process is done online, the personal information and terms of mobilization are compl...

  16. Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending

    OpenAIRE

    Sven C. Berger; Fabian Gleisner

    2009-01-01

    We analyze the role of intermediaries in electronic markets using detailed data of more than 14,000 originated loans on an electronic P2P (peer-to-peer) lending platform. In such an electronic credit market, lenders bid to supply a private loan. Screening of potential borrowers and the monitoring of loan repayment can be delegated to designated group leaders. We find that these market participants act as financial intermediaries and significantly improve borrowers' credit conditions by reduci...

  17. The Evolution and the Effects of Bank Lending and Arrears in Romania

    Directory of Open Access Journals (Sweden)

    Florina Oana VIRLANUTA

    2014-08-01

    Full Text Available During the early stages of the economic crisis that hit Romania, significant imbalances occurred in all industries. Its effects had a more dramatic impact in the banking system; especially concerning bank lending which was not only adversely affected by the crisis but it was the crisis itself. In this regard, we conducted an analysis of the credit system in Romania, the implications of non-performing loans on bank performance.

  18. Tissue banking in Hungary: legal, ethical and technical frame

    International Nuclear Information System (INIS)

    Pellet, S.; Ternesi, A.

    1999-01-01

    Hungary is a small country in the middle of Europe with a population of 10 million. Many religions are represented in the country but the majority of the population is Christian. The Hungarian medical education and practice based on the 'German School' and the modem medicine has been started more than 200 years ago. At the same time some of the medical school have been established first in Nagyszombat and the school for surgery in Kolozsyar, later in Debrecen 80 years ago. Recently we have four medical faculties. From the beginning of implementation of modern medicine many efforts were taken to establish the relevant legal frame and ethical rules to help and make understandable and acceptable for the society of various medical interventions. The previous mentioned structure was before and presently conformed with the political and social structure of the country. The initial of tissue for transplantation in medicine was widely accepted by medical fraternity since the middle of the century. Recently tissue grafts are performed daily is in burn, reconstructive surgery, in bone and nerve surgery, unfortunately we use commercial products in heart surgery. At the initial phase of our tissue banking activity, we first followed the American Association Tissue Banking procedures based on our personal contact with leading US Tissue Bank and the American Association of Tissue Banks. Later after joining the Europe Association of Tissue Bank we played an active role in the establishing of the Europe recommendations related to legal, ethical and technical rules of tissue banking. In this presentation the legal frame and the recent ethical concept for tissue donation as well as the technical possibilities and the donor recreation programme of tissue banks will be introduced to the audience. Also the problems of legal harmonization will be mentioned to which we are facing as an associated country to the European Union

  19. Smoking ban and health at birth: Evidence from Hungary.

    Science.gov (United States)

    Hajdu, Tamás; Hajdu, Gábor

    2018-06-13

    In 2012, smoking restrictions were extended to hospitality venues in Hungary. Women working in bars and restaurants were primarily affected by the intervention. In this research, we analyze the effect of this smoking ban on the outcomes of their pregnancies. Using individual live birth, fetal loss, and infant mortality registry data, we examine the probability of live birth, indicators of health at birth, and the probability of death in the first year of life. We apply a difference-in-differences framework and show that the smoking ban has improved health at birth. We observed birth weight to increase by 56 g (95% CI: 4.2 to 106.8) and gestation length by 0.19 weeks (95% CI: 0.02 to 0.36). Due to the ban, the probability of being born with very low and low birth weight has decreased by 1.2 and 2.2 percentage points, respectively (95% CI: -0.2 to -2.2 and 0.06 to -4.4), and we see a 0.9 percentage points reduction in the chance of being born very preterm (95% CI: -0.03 to -1.9). We also observe a decrease in the probability of being born with a low Ponderal index (decrease of 4.1 percentage points, 95% CI: -0.7 to -7.5). Performing a series of robustness and placebo tests, we provide evidence that supports the causal interpretation of our results. We also show that the ban was more beneficial for newborns of parents with low educational attainment and at the bottom of the fetal health endowment distribution. Copyright © 2018 Elsevier B.V. All rights reserved.

  20. Basic education in communist Hungary. A commons approach

    Directory of Open Access Journals (Sweden)

    Ferenc Gyuris

    2014-08-01

    Full Text Available In commons research, the study of the ‘knowledge commons’ has emerged as a new field of interest over the last few years. Our paper begins by providing a brief overview of the state of research in the field, and proceeds by discussing some crucial but relatively underconceptualised issues. The difference between information and knowledge, and the ambiguities surrounding the claim that all sorts of knowledge can be considered part of the commons, are the focal point here. We also pay close attention to education, arguing that it is not a common good, but rather a common-pool resource institution that ensures that some forms of knowledge can be governed as a commons. With regard to these issues, the article provides a case study, one in which we analyse basic education in Communist Hungary, and look for evidence of the commons design principles as outlined in Elinor Ostrom’s IAD Framework. Given the complex nature of basic education, we investigate it from three points of view: as a service, as a set of physical structures (e.g. school buildings, and as a complex of organizational structures (e.g. legal and financial arrangements. On the basis of empirical findings we argue that basic education in the Stalinist epoch did not correspond to Ostromian design principles. Basic education, therefore, was not managed in an equitable way, and its geographical accessibility was uneven. During the ‘technocratic’ Communism of the 1960s, 1970s, and 1980s, the education system underwent important changes. However, though the circle of those who had some impact on the governance of education expanded, most individuals involved with the education system were still excluded. As a result, the commons approach did not become stronger in general, nor did spatial unevenness with respect to access to basic education decrease. The paper finishes with a brief conclusion of our findings and a discussion of some questions for future research.

  1. Radiation protection training: twenty year experience in Hungary

    International Nuclear Information System (INIS)

    Pellet, Sandor; Kanyar, Bela; Zagyvay, Peter; Solymosi, Jozsef; Bujtas, Tibor; Feher, Istvan; Giczi, Ferenc; Deme, Sandor; Uray, Istvan

    2008-01-01

    In Hungary, radiation protection training for radiation workers has been introduced in very early, just following the publication of the ICRP recommendation No. 26. Before that, in some of the institutions, radiation protection training was recommended for technicians and medical doctors working in nuclear medicine, X-ray diagnostic radiology and radiation therapy, as well as in some of industrial applications, but not on regular way. Since 1988, radiation protection training regulated by the Ministry of Health and required for all of the workers in radiation workplaces licensed by the authority the State Public Health and Medical Officers Service (SPHAMOS). Decree No. 16/2000. (VI. 8.) EuM of the Minister of Health on the enforcement of Clauses of the Nuclear Law 116/1996 regulates the radiation protection training of Radiation Workers (RW). Annex 4 of Decree sees radiation protection training and in-service training: Persons performing conducted work in the field of the use of the nuclear energy and any other work within legal relationship shall be educated in training and in-service training at an interval of 5 years. Three levels of the training introduced; basic, extended and comprehensive, based on radiation risk related to the given job. Several institutions are involved in performing radiation protection training, such universities, scientific institutions, Regional Radiological Health Centers (RRHC) of SPHAMOS, private enterprises etc. All training course material is subject to accreditation. Most of the faculties of the universities involved in training of natural sciences and engineering provide subjects on the fundamentals of dosimetry, radiobiology and radiation protection within the courses of physics, biophysics, chemistry, biology, ecology etc. These courses take 5-10 contact hours per week on average. The members of the Hungarian Committee of EUTERP Platform summarize their broad experience collected in the past 20 year. (author)

  2. SET UP OF THE NEW AUTOMATIC HYDROMETEOROLOGICAL NETWORK IN HUNGARY

    Directory of Open Access Journals (Sweden)

    J. NAGy

    2013-03-01

    Full Text Available The Hungarian Meteorological Service (OMSZ and General Directorate of Water Management (OVF in Hungary run conventional precipitation measurement networks consisting of at least 1000 stations. OMSZ automated its synoptic and climatological network in 90’s and now more than 100 automatic stations give data every 1-10 minutes via GPRS channel. In 2007 the experts from both institutions determined the requirements of a common network. The predecessor in title of OVF is general Directorate for Water and Environment gave a project proposal in 2008 for establishment of a new hydrometeorological network based on common aims for meteorology and hydrology. The new hydrometeorological network was set up in 2012 financed by KEOP project. This network has got 141 weighing precipitation gauges, 118 temperature - humidity sensors and 25 soil moisture and soil temperature instruments. Near by Tisza-Lake two wind sensors have been installed. The network is operated by OMSZ and OVF together. OVF and its institutions maintain the stations itself and support the electricity. OMSZ operates data collection and transmission, maintaines and calibrates the sensors. Using precipitation data of enhanced network the radar precipitation field quality may be more precise, which are input of run-off model. Thereby the time allowance may be increased in flood-control events. Based on soil moisture and temperature water balance in soil may be modelled and forecast can be produced in different conditions. It is very important task in drought and inland water conditions. Considering OMSZ investment project in which new Doppler dual polarisation radar and 14 disdrometers will be installed, the precipitation estimation may be improved since 2015.

  3. Racial Extremism in the Army

    Science.gov (United States)

    1998-04-01

    of Deference ...................................................................................................... 46 1. The Separation of Powers Doctrine...to the military. This deference has a two-fold basis. First, the separation of powers in the U.S. Constitution gives authority to the executive (and...Why should there be judicial deference to the Army’s policy on extremism? There are two principal reasons. First, the Constitution’s separation of powers doctrine

  4. 2011 Army Strategic Planning Guidance

    Science.gov (United States)

    2011-03-25

    TESI ) of 22,000 Soldiers, the Army’s total force by the end of the mid-term period is programmed to be 520K (AC). We will achieve a more...dwell ratios, extending TESI authority to adequately man deploying units and sustain the All-Volunteer Force, right-sizing the generating force, and... TESI Temporary End-Strength Increase WMD Weapons of Mass Destruction 2011 ARMY STRATEGIC PLANNING GUIDANCE Page 19 2011

  5. Inverting the Army Intelligence Pyramid

    Science.gov (United States)

    2011-05-19

    British experience fighting the Provisional Irish Republican Army ( PIRA ) in Northern Ireland, which began an insurgency in 1969.91...they became extremely successful.”93 Martin Van Creveld posits that the British Army’s success against the PIRA in Northern Ireland stands out as...and MI6 (Secret Intelligence Service) to defeat the PIRA .97 92 John Kiszely, "Learning About

  6. Information Management: Army Information Management

    Science.gov (United States)

    2002-05-31

    funds or personnel to produce free programming solely for the benefit of a commercial CATV company. (6) The Army will require that the CATV franchisee ...provided, future customer requirements, and emerging IT capabilities which can benefit the customer. The Army’s increasing employment of IT dictates a...proactive oversight/insight system is operational and ensures mission benefit , cost, and schedule goals are met. (2) IT performance measures at the

  7. 78 FR 24735 - Army Education Advisory Committee Meeting

    Science.gov (United States)

    2013-04-26

    ... include topics relating to the Army Learning Model that seeks to improve the Army's learning model by leveraging technology without sacrificing standards so the Army can provide credible, rigorous, and relevant...

  8. Issues and Insights from the Army Technology Seminar Game

    National Research Council Canada - National Science Library

    Darilek, Richard

    2001-01-01

    ...). The AAN goals were to link Army XXI to a long-term vision of the Army extending well into the 21st century and to ensure that this vision informed evolving Army research and development requirements...

  9. Determinants of default in p2p lending: the Mexican case

    Directory of Open Access Journals (Sweden)

    Carlos Eduardo Canfield

    2018-03-01

    Full Text Available P2P lending is a new method of informal finance that uses the internet to directly connect borrowers with on-line communities. With a unique dataset provided by Prestadero, the largest on-line lending platform with national presence in Mexico, this research explores the effect of credit scores and other variables related to loan and borrower´s traits, in determining default behavior in P2P lending. Moreover, using a logistic regression model, it tested whether investors might benefit from screening loan applicants by gender after controlling for loan quality. The results showed that information provided by the platform is relevant for analyzing credit risk, yet not conclusive. In congruence with the literature, on a scale going from the safest to the riskiest, loan quality is positively associated with default behavior. Other determinants for increasing the odds of default are the payment-to-income ratio and refinancing on the same platform. On the contrary loan purpose and being a female applicant reduce such odds. No categorical evidence for differential default behavior was found for gender´s case-discrimination, under equal credit conditions. However it was found that controlling for loan quality, women have longer loan survival times than men. This is one of the first studies about debt crowdfunding in Latin America and Mexico. Implications for lenders, researchers and policy-makers are also discussed.

  10. The group-lending model and social closure: microcredit, exclusion, and health in Bangladesh.

    Science.gov (United States)

    Schurmann, Anna T; Johnston, Heidi Bart

    2009-08-01

    According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage.

  11. The Group-lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh

    Science.gov (United States)

    Johnston, Heidi Bart

    2009-01-01

    According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage. PMID:19761085

  12. P2P Network Lending, Loss Given Default and Credit Risks

    Directory of Open Access Journals (Sweden)

    Guangyou Zhou

    2018-03-01

    Full Text Available Peer-to-peer (P2P network lending is a new mode of internet finance that still holds credit risk as its main risk. According to the internal rating method of the New Basel Accord, in addition to the probability of default, loss given default is also one of the important indicators of evaluation credit risks. Proceeding from the perspective of loss given default (LGD, this paper conducts an empirical study on the probability distribution of LGDs of P2P as well as its influencing factors with the transaction data of Lending Club. The results show that: (1 the LGDs of P2P loans presents an obvious unimodal distribution, the peak value is relatively high and tends to concentrate with the decrease of the borrower’s credit rating, indicating that the distribution of LGDs of P2P lending is similar to that of unsecured bonds; (2 The total asset of the borrower has no significant impact on LGD, the credit rating and the debt-to-income ratio exert a significant negative impact, while the term and amount of the loan produce a relatively strong positive impact. Therefore, when evaluating the borrower’s repayment ability, it is required to pay more attention to its assets structure rather than the size of its total assets. When carrying out risk control for the P2P platform, it is necessary to give priority to the control of default rate.

  13. Race, Space, and Cumulative Disadvantage: A Case Study of the Subprime Lending Collapse.

    Science.gov (United States)

    Rugh, Jacob S; Albright, Len; Massey, Douglas S

    2015-05-01

    In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities. We find that race and neighborhood racial segregation are critical factors explaining black disadvantage across successive stages in the process of lending and foreclosure, controlling for differences in borrower credit scores, income, occupancy status, and loan-to-value ratios. We analyze the cumulative cost of predatory lending to black borrowers in terms of reduced disposable income and lost wealth. We find the cost to be substantial. Black borrowers paid an estimated additional 5 to 11 percent in monthly payments and those that completed foreclosure in the sample lost an excess of $2 million in home equity. These costs were magnified in mostly black neighborhoods and in turn heavily concentrated in communities of color. By elucidating the mechanisms that link black segregation to discrimination we demonstrate how processes of cumulative disadvantage continue to undermine black socioeconomic status in the United States today.

  14. Army Reserve Military Intelligence: Time for Change

    Science.gov (United States)

    2010-04-20

    Miramax Books, 2002. Goleman , Daniel . Emotional Intelligence . New York: Bantam Books, 1997. Goleman , Daniel , Richard Boyatzis, and Annie McKee...or position of the Department of the Army, Department of Defense, or the U.S. Government. ARMY RESERVE MILITARY INTELLIGENCE : TIME FOR CHANGE...Research Project 3. DATES COVERED 00-00-2009 to 00-00-2010 4. TITLE AND SUBTITLE Army Reserve Military Intelligence : Time for Change 5a

  15. Effectiveness of the Army Mentorship Program

    National Research Council Canada - National Science Library

    Nieberding, Richard J

    2007-01-01

    ...). From the artifacts associated with this mentorship program, it appears that the Army highly values this program as a way to create a culture and climate that fosters learning and development for future leadership. This project will examine the effectiveness of mentorship in the today's Army and evaluate whether the program is sufficient to meet the needs for the Army's next generation of soldiers and leaders.

  16. The United States Army 1996 Modernization Plan.

    Science.gov (United States)

    1996-03-08

    time and with less risk. IMA technology improvements are leveraged and inserted into the Army’s information architectures as the competitive market place...to procure a family of complementary, interoperable systems. At the end of the near-term, "Active Defense RD&A Startegy Army will begin fielding...Haul and Engineer tractors were fielded that brought modern technologies from the commercial market to the Army. However, adequate quantities were

  17. 17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

    Science.gov (United States)

    2010-04-01

    ... effects securities lending transactions, and any securities lending services in connection with such... replaced within one business day by another lending or borrowing transaction involving the same securities... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemption from the definition...

  18. APPLICATION OF THE EU-PRINCIPLES IN ROMANIA AND HUNGARY CONCERNING THE BOARDS OF LISTED COMPANIES

    Directory of Open Access Journals (Sweden)

    Gabriella KECZER

    2009-01-01

    Full Text Available Corporate governance ensures that boards are able to exercise appropriate scrutiny over management and that shareholders, as owners of the company, are able to hold boards accountable. As such, a high level of corporate governance contributes significantly to investors' confidence and market stability, thus fostering business efficiency. In 2005 the European Commission launched a recommendation on the boards of listed companies and invited Member States to follow the guidelines. In 2008 both Romania and Hungary launched a new Code of Corporate Governance on the basis of the EU recommendations. In my paper I present the EU principles, and by examining the national codes of Romania and Hungary I analyze to which extent and in what issues these two countries have adopted the EU recommendations. I concluded that by the new codes of corporate governance issued in 2008 Romania and Hungary have followed to a large extent the provisions of the EU recommendation.

  19. A Pilotless Army in the Megalopolis

    National Research Council Canada - National Science Library

    Wegner, Robert

    2004-01-01

    .... Although Army aviation can provide mobility, intelligence gathering, and massive precision fires, its current aviation systems are highly vulnerable within the urban environment and a solution...

  20. Army Cost Culture: What Is It? What Should It Become?

    Science.gov (United States)

    2013-03-01

    Army leaders to implement inclusion of this Army cost culture value into the larger Army culture. Kotter warns us that failure to complete each step...inculcation of a cost culture. However, this circumstance does not really apply to the Army. Army senior leaders clearly understand that mission comes...changed: In this challenging environment, an improved Army cost culture will enable senior leaders to preserve the nation’s security. This Strategy

  1. International Patients on Operation Vacation – Perspectives of Patients Travelling to Hungary for Orthopaedic Treatments

    Directory of Open Access Journals (Sweden)

    Eszter Kovacs

    2014-11-01

    Full Text Available Background The importance of cross-border healthcare, medical and health tourism plays a significant role in the European health policy and health management. After dentistry, orthopaedic treatments are the leading motivation for seeking care in Hungary, as patients with rheumatic and motion diseases are drawn to the thermal spas and well-established orthopaedic centres. This paper aims to gain insight into foreign patients’ perspectives on their experience of having sought medical tourism in orthopaedic care in Hungary. Methods A patient survey was conducted in 2012 on motivations for seeking treatment abroad, orthopaedic care received and overall satisfaction. In addition, health professionals’ interviews, and 17 phone interviews were conducted in 2013 with Romanian patients who had orthopaedic treatment in Hungary. Finally, medical records of foreign patients were analysed. Results The survey was completed by 115 participants – 61.1% females, mean age= 41.9, 87% Romanian origin. Most of the patients came to Hungary for orthopaedic surgeries, e.g. arthroscopy, knee/hip prosthesis or spinal surgery. 72.6% chose Hungary because of related to perceived better quality and longstanding culture of Hungarian orthopaedic care. Over 57% of patients reported being ‘very satisfied’ with care received and 41.6% ‘satisfied’. The follow-up interviews further reflected this level of satisfaction, therefore many respondents stating they have already recommended the Hungarian healthcare to others. Conclusion Based on the findings, patients from neighbouring regions are increasingly seeking orthopaedic care in Hungary. Patients having orthopaedic care are highly satisfied with the quality of care, the whole treatment process from the availability of information to discharge summaries and would consider returning for further treatments.

  2. The Role and Importance of Spa and Wellness Tourism in Hungary's Tourism Industry

    Directory of Open Access Journals (Sweden)

    Csapó János

    2017-06-01

    Full Text Available This paper presents and highlights the role and importance of spa and wellness tourism in Hungary. Ever since tourism has played an important role in the social-economic processes of the country the leading tourism product proved to be health tourism (spa and wellness thanks to the advantageous physical geographical and social-political background. After the presentation of the country-specific theoretical system of spa and wellness, the paper examines the supply and the demand side together with competitor analysis and recent trends in spa and wellness in Hungary.

  3. Pre-agreement assessment as a responsible lending tool in South Africa, the EU and Belgium :Part 1

    Directory of Open Access Journals (Sweden)

    Corlia Maritha van Heerden

    2018-03-01

    Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.

  4. Pre-Agreement Assessment as a Responsible Lending Tool in South-Africa, the EU and Belgium: Part 2

    Directory of Open Access Journals (Sweden)

    Corlia M van Heerden

    2018-03-01

    Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.

  5. Management of Disused Sealed Sources in Hungary - 13077

    International Nuclear Information System (INIS)

    Kapitany, Sandor

    2013-01-01

    Since 1976 the spent and disused radioactive sources arisen in Hungary are stored in a central storage facility called Radioactive Waste Treatment and Disposal Facility operated by Public Limited Company for Radioactive Waste Management. The Facility is responsible for the record keeping, the waste acceptance procedure, the shipment and the storage or disposal (whether a certain source meets the waste acceptance criteria for disposal or not) of sources. Based on the more than 35 year old operation of the facility many experiences have been gathered regarding the technology for long-term storage of sources, the attitude of the users of sources, the evolution of the legislation and the national record keeping system. Recently a new legislation for the security of radioactive materials (including sources) was introduced, first in Central-Europe. It requires special security arrangements from the facility for transport and for storage. Due to the ongoing retrieval of radioactive waste formerly disposed of, partly containing sealed sources, there is a new challenge in the physical inventory control of historical waste. The paper would show the effect of the changes in the legislation system of record keeping or security on the users' attitude for discard of sources and on the management of the sources in the facility. The facility has a unique storage technology (shallow boreholes) in the narrow region. The sealed sources are placed into vertical pipes sunk into the surface. In the beginning, each of the sources were dropped into the pipe directly, recently they are placed in a metal tube first ensuring the retrieval. The lessons learned will be presented. There were several issues to introduce the new security arrangements (partly financially supported by US DOE) for storage and for transportation of sealed sources. These issues are addressed. In the past part of the sealed sources were disposed together with solid radioactive waste packaged in plastic bags. A waste

  6. Whole-body counter intercomparison measurements in Hungary and Italy

    Energy Technology Data Exchange (ETDEWEB)

    Andrasi, A. [Atomic Energy Research Institute, Budapest (Hungary). KFKI; Tarroni, G. [ENEA, Centro Ricerche `Ezio Clementel`, Bologna (Italy). Dipt. Ambiente

    1999-01-01

    In the frame of a co-operation agreement between Austrian Research Center Seibersdorf, Italian ENEA Institute for Radiation Protection and Hungarian KFKI Atomic Energy Research Centre, an intercomparison on WBC measurements using a modular bottle phantom was performed during 1995 in Hungary, on May-July 1996 in the Northern part of Italy. Results related to the relative bias for the three body masses are reported, together with indication of their compliance with ANSI report N13.30. It turned out that majority of the results were found to be within the performance criteria of the ANSI report, however there were also few outfalling results which were a good indication to check and improve the reliability of calibration and/or other methodological procedures. In the contrary of the expectance, the results related to 20 kg phantom resulted not significantly worse than those obtained for the adult phantom indicating the capacity for the participating WBC centres of measuring people from the general population. [Italiano] Nell`ambito di un accordo di collaborazione tra il Centro di Ricerca di Seibersdorf (Austria), l`Istituto per la Radioprotezione dell`ENEA (ENEA AMB PRO IRP) ed il Centro di Ricerca per l`Energia Atomica KFKI di Budapest (Ungheria), si e` svolto un interconfronto su misure WBC basato sull`utilizzo di un unico fantoccio modulare a bottiglie cui hanno partecipato centri WBC Ungheresi (1995) ed Italiani (Maggio-Giugno 1996). Nel presente rapporto tecnico vengono presentati i risultati ottenuti ed una loro analisi impostata sui criteri di valutazione recentemente proposti dall`ANSI nel rapporto N. 13.30. Sulla base di tale criterio la maggior parte dei risultati dell`interconfronto rientra nell`intervallo di accettabilita`; nei pochi casi di non accettabilita` si rende invece necessaria una revisione dei dati di calibrazione e delle metodologie. Contrariamente a quanto si poteva prevedere, i risultati relativi al fantoccio da 20 kg appaiono sostanzialmente

  7. The Major Trends of Food Consumption in Hungary

    Directory of Open Access Journals (Sweden)

    Amelita Kata Gódor

    2016-12-01

    Full Text Available In the beginning of the 20th century the food consumption levels were much lower than later in the century, when food production increased as well. The selection of foodstuffs became wider and we can observe the modernisation of nutrition principles too, which both had a positive impact on consumption. The variety of food was also affected by the increasing life expectancy. The emergence of more modern ways in food consumption is halted not only by the traditions but by the fact that healthier foods are more expensive than fat or cereal prices. There is a significant correlation between the income levels and the quality of consumed food, as it can be observed that in different regions in Hungary. My aim was also to investigate the change in consumer behaviour in parallel with the increase of income levels; to see which sort of foods are preferred by the wealthier, and which are preferred by the ones with less income. It is also important to analyse the economic and social indicators on regional and other spatial levels and to compare them with food consumption. The annual net income per capita is usually higher in more developed regions than in the less developed ones. Therefore, the expenditure spent on better quality and more expensive food products is also higher. Similarly, in the case of the population there are differences in consumer habits according to purchasing power. For instance, for people with higher income one of the most important factors is to buy healthy and high quality food, but for the ones with lower income it can be a struggle only to find food in sufficient quantities, and quality cannot be as much of an issue. In the consumer basket, foodstuff accounts for approximately one-third of the overall expenditure. In this study I analysed the annual expenditure of Hungary’s population on foodstuffs and the annual quantity of food consumed by households per capita on a regional level between 2010 and 2013.

  8. Investigation of indoor aerosols at educational institutions in Debrecen, Hungary

    International Nuclear Information System (INIS)

    Szoboszlai, Z.; Furu, E.; Angyal, A.; Szikszai, Z.; Kertesz, Zs.

    2010-01-01

    Complete text of publication follows. It is well known that the exposure to particulate matter (PM) during school-age, when children are in their growing stage, can have lifelong adverse effects on their health. Because of these facts it is important to analyse PM in such places where children stay in a limited space during long-term periods. An average schoolchild spends at least six to eight hours a day in an indoor environment. Thus the more detailed knowledge of the air parameters of scholastic environments is particularly important. In this study our aim was to measure those parameters which might help the better estimation of the PM impact on the health of the children/students and teachers in autumn winter season in different educational institutions in the centre of Debrecen, Hungary. Two schools (a primary and a secondary grammar) and a kindergarten were selected for the study. Coarse and fine mass concentrations, elemental composition and mass size distributions were determined in selected microenvironments. These were different classrooms, school yards, gymnasiums, a computer lab, a chemical lab and a so-called salt-room. The elemental composition (for Z ≥ 13) was determined by PIXE and the mass concentrations of particulate matter were determined by gravimetry. In the case of the kindergarten two cascade impactors were also deployed to provide size distribution. In all cases the coarse concentrations of PM were higher inside the educational buildings than in the outer air, and every case the PM 10 concentration exceeded the EU air quality standard (Fig. 1). The highest values were measured in the gymnasiums which could be explained by the activities. We observed increased PM concentrations in the lower educational levels. The fine concentration inside the buildings did not differ significantly from the air outside. We did not detect big differences between the indoor and outdoor elemental compositions, but found differences in the elemental

  9. Management of Disused Sealed Sources in Hungary - 13077

    Energy Technology Data Exchange (ETDEWEB)

    Kapitany, Sandor [PURAM, Puskas Tivadar street 11, Budaors, Pest 2040 (Hungary)

    2013-07-01

    Since 1976 the spent and disused radioactive sources arisen in Hungary are stored in a central storage facility called Radioactive Waste Treatment and Disposal Facility operated by Public Limited Company for Radioactive Waste Management. The Facility is responsible for the record keeping, the waste acceptance procedure, the shipment and the storage or disposal (whether a certain source meets the waste acceptance criteria for disposal or not) of sources. Based on the more than 35 year old operation of the facility many experiences have been gathered regarding the technology for long-term storage of sources, the attitude of the users of sources, the evolution of the legislation and the national record keeping system. Recently a new legislation for the security of radioactive materials (including sources) was introduced, first in Central-Europe. It requires special security arrangements from the facility for transport and for storage. Due to the ongoing retrieval of radioactive waste formerly disposed of, partly containing sealed sources, there is a new challenge in the physical inventory control of historical waste. The paper would show the effect of the changes in the legislation system of record keeping or security on the users' attitude for discard of sources and on the management of the sources in the facility. The facility has a unique storage technology (shallow boreholes) in the narrow region. The sealed sources are placed into vertical pipes sunk into the surface. In the beginning, each of the sources were dropped into the pipe directly, recently they are placed in a metal tube first ensuring the retrieval. The lessons learned will be presented. There were several issues to introduce the new security arrangements (partly financially supported by US DOE) for storage and for transportation of sealed sources. These issues are addressed. In the past part of the sealed sources were disposed together with solid radioactive waste packaged in plastic bags. A

  10. Heavy metals in garden soils along roads in Szeged, Hungary

    Science.gov (United States)

    Szolnoki, Zsuzsanna; Farsang, Andrea

    2010-05-01

    The soils of the urban environment, owing to the various anthropogenic activities, can be contaminated by heavy metals. The traffic is well-known for more decades to be main source of heavy metals mostly in cities. The accumulation of these elements can have different effects, either directly endangering the natural soil functions, or indirectly endangering the biosphere by bio-accumulation and inclusion in the food chain. The hobby gardens and the vegetable gardens directly along roads can be potential risky for people since unknown amount of heavy metals can be accumulated into organization of local residents due to consumption of vegetables and fruits grown in their own garden. The aim of this study was to determine the heavy metal content of garden soils directly along roads with heavy traffic in order to assess possible risk for human health. The total content and the mobile content of Cd, Co, Cr, Cu, Ni, Pb and Zn have been determined in samples from garden soils along 5 busy roads of Szeged, South Hungary. Enrichment factor has been calculated with the help of control soil samples far from roads. The soil properties basically influencing on metal mobility have also been examined. Finally, the human health risk of these garden soils has been modelled by determination of health risk quotient (HRQ). As a result of our investigations, it can be claimed that mostly Cu, Zn and to a lesser degree the Ni, Cr and Pb accumulated in garden soils along roads depending on the traffic density. In general, the topsoils (0-10 cm) had higher amount of these metals rather than the subsoils (40-50 cm). Ni of these metals has approached; Cu has exceeded limit value while Pb is under it. Cd is very high in both soils along roads and control ones far from roads. Garden soils along the roads have such basic soil parameters (pH, mechanical soil type, humus content) that prove fairly high metal-binding capacity for these soils. Total risk of usage of these gardens (ingestion of soil

  11. New radiocarbon measurement methods in the Hertelendi Laboratory, Hungary

    Science.gov (United States)

    Janovics, Róbert; Major, István; Rinyu, László; Veres, Mihály; Molnár, Mihály

    2013-04-01

    -sampler. The presented two new methods can be suitable for C-14 measurements and dating of hydrological, and environmental samples as well. The new AMS facility in ATOMKI (Debrecen, Hungary) using an EnvironMICADAS AMS system with gas ion source has a great potential in groundwater C-14 analyses. The research was supported by the by TÁMOP-4.2.2.A-11/1/KONV and the Hungarian NSF (OTKA MB08-A 81515)

  12. Who receives bank loans? A study of lending officers' assessments of loans to growing small and medium-sized enterprises

    OpenAIRE

    Bruns, Volker

    2004-01-01

    This thesis explores factors that influence lending officers' assessments of credit requests from growing small and medium-sized enterprises (SMEs). Building on asymmetric information theory, factors identified in previous research are grouped into the theoretical categories of risk-assessment, risk-alignment, and risk-shifting. Hypotheses are developed as to what influences lending officers' credit assessments. In addition, it is hypothesized that risk-taking proclivity interacts with other ...

  13. The Woman's Land Army: 1918-1920.

    Science.gov (United States)

    Laughlin, Margaret

    1994-01-01

    Describes the origins and work of the Women's Land Army, a World War I British volunteer agricultural production unit. Details similar program in the United States. Identifies the impact of the Women's Land Army including enhanced political, economic, and physical freedom for the participants and future generations of women. (CFR)

  14. Army industrial, landscaping, and agricultural water use

    Energy Technology Data Exchange (ETDEWEB)

    Stoughton, Kate McMordie [Pacific Northwest National Laboratory (PNNL), Richland, WA (United States); Loper, Susan A. [Pacific Northwest National Laboratory (PNNL), Richland, WA (United States); Boyd, Brian K. [Pacific Northwest National Laboratory (PNNL), Richland, WA (United States)

    2014-09-18

    The Pacific Northwest National Laboratory conducted a task for the Deputy Assistant Secretary of the Army to quantify the Army’s ILA water use and to help improve the data quality and installation water reporting in the Army Energy and Water Reporting System.

  15. 2004 Army Research Office in Review

    Science.gov (United States)

    2004-01-01

    the thermal decomposition of nitrate - ester propellants. This is the first such data ever measured and will provide reliable input for Army...strain has been set for the actuator. The research program includes: Multiscale modeling of microstructural evolution and its affect on mechanical... Multiscale modeling and process optimization for engineered microstructural complexity” have had multiple transition interactions with the Army Research

  16. Cultural relations between Hungary and Albania during the period of Humanism and Renaissance

    Directory of Open Access Journals (Sweden)

    Muhamet Mala

    2016-07-01

    Full Text Available Cultural Hungarian-Albanian relations during the Middle Ages are characterized by a relatively poor intensity. Actually, relations between these two countries are more intense in the political field and especially through the partnership between Gjergj Kastrioti Skanderbeg and John Hunyadi. Regarding the origin, the Hungarian culture identity is rather distinct from the Albanian one. Lack of cultural contacts, among others, was conditioned also by the fact that these relations were held under war circumstances and their primary aim was the common defense from Ottoman attacks. Actually, the Albanian medieval culture remained a Mediterranean culture with elements of Byzantine influence in the continental and southern areas. Meanwhile, Hungary belonged to Central Europe, which, even though far away from Mediterranean cultural mainstream, sought to be influenced by this culture, namely by the Renaissance that emanated exactly in the Mediterranean region. It was Matthias Corvinus effort, regarding the cultural influence of the Mediterranean and Renaissance in Hungary but also the fact that Hungary possessed some of the most important towns of the Adriatic coast and particularly Ragusa. This city was the center where cultural relations between Albanian and Hungary started and became intensified in the religious, intellectual and human field.

  17. A conceptual magnetic fabric development model for the Paks loess in Hungary

    DEFF Research Database (Denmark)

    Bradák, B.; Ujvari, Gabor; Seto, Y.

    2018-01-01

    We describe magnetic fabric and depositional environments of aeolian (loess) deposits from Paks, Hungary, and develop a novel, complex conceptual sedimentation model based on grain size and low-field magnetic susceptibility anisotropy data. A plot of shape factor (magnetic fabric parameter) and d...

  18. Echinococcus multilocularis: An Emerging Pathogen in Hungary and Central Eastern Europe?

    Science.gov (United States)

    Sréter, Tamás; Széll, Zoltán; Egyed, Zsuzsa

    2003-01-01

    Echinococcus multilocularis, the causative agent of human alveolar echinococcosis, is reported for the first time in Red Foxes (Vulpes vulpes) in Hungary. This parasite may be spreading eastward because the population of foxes has increased because of human interventions, and this spread may result in the emergence of alveolar echinococcosis in Central Eastern Europe. PMID:12643838

  19. Szendro - type Integrated Vegetation Fire Management--Wildfire Management Program from Hungary

    Science.gov (United States)

    Ágoston Restás

    2006-01-01

    Szendrő Fire Department is located in the northeastern part of Hungary. The main task is to fight against wildfire and mitigate the impact of fire at the Aggtelek National Park -- which belongs to the UNESCO World Heritage list. Because of greater effectiveness, in 2004 the Fire Department started a project named Integrated Vegetation Fire Management (IVFM)....

  20. Age Group, Location or Pedagogue: Factors Affecting Parental Choice of Kindergartens in Hungary

    Science.gov (United States)

    Teszenyi, Eleonora; Hevey, Denise

    2015-01-01

    Hungary has experienced significant political, economic, demographic and social changes since the end of Soviet domination in the 1990s. The gradual move towards liberal democracy has been accompanied by growing emphasis on individualism, choice and diversity. Universal kindergarten provision for five- to six-year-olds is a long established…

  1. Academic Culture and Citizenship in Transitional Societies: Case Studies from China and Hungary

    Science.gov (United States)

    Szelényi, Katalin; Rhoads, Robert A.

    2013-01-01

    Through organizational case studies conducted at Guangdong University of Foreign Studies in China and Central European University in Hungary, this paper examines academic culture and citizenship in societies transitioning from communist to market-driven social and economic structures. The article presents a new model of citizenship, representing…

  2. Recent developments in the field of nuclear power plant control and instrumentation in Hungary

    International Nuclear Information System (INIS)

    Pellionisz, P.

    1992-01-01

    A considerable percentage (32.8% in 1989) of electric energy in Hungary is produced by nuclear power plant Paks. The paper presents an overview of activities on control and instrumentation in the following areas: Control and instrumentation upgrading; training simulators; diagnostic systems. (author). 1 tab

  3. Anti-Roma Hate Speech in the Czech Republic, Hungary, and Poland

    NARCIS (Netherlands)

    Belavusau, U.; Goodwin, M.; De Hert, P.

    2013-01-01

    The chapter examines the protection against anti-Romani hate speech provided by the Czech Republic, Hungary and Poland, in particular the legal avenues of redress available to victims. This research combines an analysis of the legal framework with its functioning in practice, and situates both in a

  4. [Legal aspects and the treatment procedure of gender dysphoria in Hungary].

    Science.gov (United States)

    Kórász, Krisztián

    2015-07-26

    The legal process of gender transition in Hungary had previously been more developed as in most European countries, as the law enabled transsexual people to change their name and gender before or without a medical treatment, which was unique at the time. Over the years, however, lots of European countries developed legal frameworks and accepted international standards of care for the treatment of gender dysphoria that Hungary did not follow. Currently in Hungary there is no consistent legal framework of gender transition, there is no official regulation or guidelines regarding gender transition process, no institution with the obligation to accommodate the process, and there is no nominated specialist in the state health care system whose remit included dealing with transsexual patients. The information on gender transition options both to the professionals and to the patients is limited and incoherent. This paper reviews the legal aspects and clinical management process of gender dysphoria in Hungary. Some issues regarding the Hungarian practice and possible solutions based on examples from the United Kingdom are addressed within the paper.

  5. Serological survey of domestic animals for tick-borne encephalitis and Bhanja viruses in northeastern Hungary

    Czech Academy of Sciences Publication Activity Database

    Šikutová, Silvie; Hornok, S.; Hubálek, Zdeněk; Doležálková, I.; Juřicová, Zina; Rudolf, Ivo

    2009-01-01

    Roč. 135, 3-4 (2009), s. 267-271 ISSN 0378-1135 EU Projects: European Commission(XE) 10284 - EDEN Institutional research plan: CEZ:AV0Z60930519 Keywords : Tick-borne encephalitis * Bhanja virus * Cattle * Horse * Sheep * Hungary Subject RIV: EE - Microbiology, Virology Impact factor: 2.874, year: 2009

  6. Safeguarding values in the European Union: : The European Parliament, Article 7 and Hungary

    NARCIS (Netherlands)

    Bonelli, Matteo

    2015-01-01

    The recent constitutional crisis in Hungary and other political developments in several EU member states have raised concerns over the capacity of the European Union to safeguard its fundamental values: democracy, the rule of law and human rights. Mechanisms in the hands of the institutions are

  7. [Sleep duration among school-age children in Hungary and Romania].

    Science.gov (United States)

    Sólyom, Réka; Lendvai, Zsófia; Pásti, Krisztina; Szeifert, Lilla; Szabó, J Attila

    2013-10-06

    Children's sleep duration is decreasing in the last decade. Despite of the well known negative consequences, there are no data on children's sleep duration in Hungary and Romania. The aim of the authors was to assess sleep duration of school-age children in Hungary and Romania. A self-edited questionnaire was used for the study. 2446 children were enrolled. All elementary and secondary schools in a Hungarian city, and one elementary and secondary school in a Romanian city took part in the study. Mean sleep duration was 8.3 ± 1.2 hours on weekdays. There was a significant difference between the two countries (Hungary vs. Romania, 8.5 ± 1.2 hours vs. 7.8 ± 0.9 hours, p = 0.001). Age correlated with sleep duration on weekdays (r= -0.605, p = 0.001), but not during weekend. This is the first study on children's sleep duration in Hungary and Romania. The difference between countries may be due to the difference in mean age or cultural and/or geographical differences.

  8. The Hard Work of Interpretation: The National Politics of PISA Reception in Hungary and Romania

    Science.gov (United States)

    Neumann, Eszter; Kiss, Adel; Fejes, Ildiko

    2012-01-01

    This article discusses the dynamic interaction between global policy and knowledge flows and two post-communist education systems--Hungary and Romania--with special attention to the appropriation of post-bureaucratic regulation tools and the structural changes enhanced by the knowledge transmitted by the Programme for International Student…

  9. South–South? Culture Talk and Labour Relations at a Chinese-owned Factory in Hungary

    NARCIS (Netherlands)

    Nyiri, P.D.; Xu, Xiuli

    2017-01-01

    In 2011, a large Hungarian chemical factory was acquired by a Chinese competitor. The resulting encounter between Chinese managers and Hungarian staff — which took place in the context of a harsh retrenchment that has curtailed the powers of organized labour in Hungary — highlights the inadequacy of

  10. A new alien snail species from the Eger stream, Hungary (Mollusca, Ampullariidae

    Directory of Open Access Journals (Sweden)

    Frisóczki, B.

    2016-11-01

    Full Text Available Our macrozoobenthon samplings carried out in the Eger stream during 2015–2016 resulted in recording an alien species Marisa cornuarietis (Linneaus, 1758 the giant ramshorn snail which has not been reported so far from outdoorwaters in Hungary. Here we report on collecting several specimens from the urban section of the stream close to the outflow of the Eger thermal spa.

  11. An Overview of the Current Status of Talent Care and Talent Support in Hungary

    Science.gov (United States)

    Fuszek, Csilla

    2014-01-01

    After a short historical introduction, the article provides an overview of the current talent support trends in Hungary. It gives an insight into the legislation, guidelines and institutional system associated with the national talent support strategy, and presents the main NGO initiatives present in the early 21st century, in particular the…

  12. Supporting Entrepreneurship and Innovation in Higher Education in Hungary. OECD Skills Studies

    Science.gov (United States)

    OECD Publishing, 2017

    2017-01-01

    This report presents evidence-based analysis of current strategies and practices in higher education institutions (HEIs) in Hungary towards a value-creating use of knowledge resources for innovation and entrepreneurship. The analysis and recommendations are highly relevant for policy makers and HEI leaders in other countries. Increased attention…

  13. Changes in status attainment in Hungary between 1910 and 1989 : Trendless fluctuation or systematic change?

    NARCIS (Netherlands)

    Luijkx, Ruud; Róbert, Péter; Graaf, Paul M. de; Ganzeboom, Harry B.G.

    2002-01-01

    This article addresses the effects of economic and political change on social mobility in Hungary between 1910 and 1989 by investigating whether the effects of family background on schooling and the effects of family background and schooling on first occupation vary between periods in Hungary’s

  14. Hungarian-Russian Bilingual Schools in Hungary during the Soviet Occupation (1945-1989)

    Science.gov (United States)

    Vamos, Agnes

    2018-01-01

    Through the example of the establishment, functioning, and closing of bilingual schools during the Soviet occupation of Hungary, this paper aims to introduce this segment of public education in Central-Eastern Europe. In the period between 1945 and 1989, the learning of Russian as a compulsory subject was introduced, teaching other languages was…

  15. High population density of Little Owl (Athene noctua) in Hortobagy National Park, Hungary, Central Europe

    Czech Academy of Sciences Publication Activity Database

    Šálek, Martin; Chrenková, M.; Kipson, M.

    2013-01-01

    Roč. 61, č. 1 (2013), s. 165-169 ISSN 1505-2249 Institutional support: RVO:68081766 Keywords : Little Owl * population density * distribution * breeding places * Hortobagy National Park * Hungary Subject RIV: EH - Ecology, Behaviour Impact factor: 0.554, year: 2013

  16. CAPITALISM FROM BELOW: AN EXPLORATORY ANALYSIS OF SMALL ENTREPRENEURSHIP IN HUNGARY, POLAND, AND ROMANIA

    Directory of Open Access Journals (Sweden)

    Cătălin Augustin STOICA

    2012-06-01

    Full Text Available The contours of markets and entrepreneurship are shaped by historical and politico-institutional factors. In the case of Central and Eastern Europe, the development of new entrepreneurial classes is a function of communist legacies and post-1989 political processes. Employing survey data from 2000, this article examines how political and institutional conditions influence patterns of recruitment into self-employment and income returns to small entrepreneurship in Hungary, Poland, and Romania. The results of this analysis show that human capital (captured by education has positive significant effects on becoming a self-employed individual with employees in Hungary and Romania. As compared to other individuals, former socialist “petit bourgeois” (i.e., individuals who were business owners in 1988 are more likely to be small business operators in post-communism. Individuals who held managerial authority positions before 1989 have higher chances to become small business operators in Romania but not in Hungary or Poland. Unemployment seems to function as a push-factor for becoming a small business operator in Hungary and Poland but not in Romania. In Romania, most small entrepreneurs earn significantly more than employees in the state or private sector. Gender, age, and education have significant positive effects on income returns in all of the three countries under scrutiny.

  17. The Development of Strategic Bank Lending Industries in the Context of Globalization

    Directory of Open Access Journals (Sweden)

    Oksana Markovna Kramarenko

    2015-09-01

    Full Text Available It is shown that, in the context of globalization, improved credit support for strategic sectors of the economy (for example, shipbuilding can be achieved through the creation of a banking consortium based around leasing. A dialectical method of resolution of system tasks is selected as the methodological approach. Methods used include: comparative cost analysis of the strategic lending industry supporting the formation and development of a banking consortium; integrated method at the condition modeling of making and implementation of a lease agreement, which allowed to accommodate the interests for both parties of such agreement; optimization method to select the conditions of a lease agreement; classification and analytical method to clarify the classification of lease. The study proved and developed a plan of creation a banking consortium, including options of interaction of such consortium with potential customers based on a lease agreement. The process of functioning of the lease agreement in order to optimize it for both a bank consortium-lessor and a lessee is modeled. The significant advantages of leasing compared to the traditional lending for both parties of leasing, especially when ensuring long-term projects are summarized. The results of the research can be applied in the strategic lending industries development and can reduce the level of banking risks. Applying the results of the research in the social aspect can maintain and increase the number of jobs including the banking sector. The value of the work leis in the fact that the author has developed a new approach to achive the credit support for strategic sectors of the economy through the creation of the banking consortium based around leasing, which allows to protect the interests of both parties.

  18. Public lending to private hedge funds is inefficient, unstable, unconstitutional and unanimously disagreeable

    Directory of Open Access Journals (Sweden)

    Sankarshan Acharya

    2016-06-01

    Full Text Available Public funds include federally insured deposits held under the custody of private banks, central bank loans and taxpayer funds. The principal finding of this paper is that lending such public funds through a private banking system to private hedge funds allied with the banks is inefficient, unstable, fundamentally unfair (unconstitutional and unanimously disagreeable. This finding is akin to the unanimously agreeable safe central banking policy (Acharya, 1991-2016 which, in dynamic general equilibrium, (a eliminates federal guarantee of bank deposits, (b offers every business enterprise and household an option to keep in the central bank any part of its deposits it wants to be held absolutely safely, (c completely deregulates all private banks without any privilege to rob public or private wealth like too-big-to-fail or too-big-to-be-jailed status or the power of market making and clearing. Safe central banking is the only way to make private banks responsible to hold sufficient capital to attract uninsured private deposits like the trading houses currently do. The private banks will then have complete freedom to lend their uninsured deposits to private hedge funds. The Volker Rule (NYT, January 30, 2010, incorporated in the Dodd-Frank Act of 2010, is an infeasible and unworkable band-aid for the moral-hazard driven systemic robbery of wealth creators wrought by the government-ordained private banking custody of public funds. The established systemic moral-hazard problem can be efficiently and constitutionally resolved only through unanimously agreeable safe central banking. Current proposals on overhauling of Fannie and Freddie made by various pundits of systemic robbery amount to a gargantuan amount of public lending to private hedge funds and, hence, inefficient, unstable, unconstitutional and unanimously disagreeable.

  19. Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending

    Directory of Open Access Journals (Sweden)

    Sven C. Berger

    2009-05-01

    Full Text Available We analyze the role of intermediaries in electronic markets using detailed data of more than 14,000 originated loans on an electronic P2P (peer-to-peer lending platform. In such an electronic credit market, lenders bid to supply a private loan. Screening of potential borrowers and the monitoring of loan repayment can be delegated to designated group leaders. We find that these market participants act as financial intermediaries and significantly improve borrowers' credit conditions by reducing information asymmetries, predominantly for borrowers with less attractive risk characteristics. Our findings may be surprising given the replacement of a bank by an electronic marketplace.

  20. From lending to learning the development and extension of public libraries

    CERN Document Server

    O'Beirne, Rónán

    2010-01-01

    From Lending to Learning provides a theoretical overview and practical guide to the functional area of delivering learning services within public libraries. It traces the development of public library service delivery and critically appraises the inherent tension between offering an educational-focused or leisure-focused library. The current and future policy directions are explored against the backdrop of the emerging learning society. A general overview of recent developments in learning theory is followed by an insight into the learning landscape. The issues and practicalities of setting up

  1. Peer-to-Peer Lending in Surabaya: How It Drives Regional Economy?

    OpenAIRE

    Mahardhika, Galih Satria

    2017-01-01

    Financial technology, or so called as “Fintech”, has been remarked as a disruptive idea that changed our current financial system. In Indonesia, one of the emerging financial practices related to Fintech is the online-based peer-to-peer lending (P2PL). This research has two objectives: to explore current scheme of P2PL in Surabaya and to learn how P2PL drives the economy of Surabaya. To meet the objectives, numbers of existing papers are being reviewed related to the matter of P2PL and Micro,...

  2. 78 FR 69077 - Army Education Advisory Subcommittee Meeting Notice

    Science.gov (United States)

    2013-11-18

    ... DEPARTMENT OF DEFENSE Department of the Army Army Education Advisory Subcommittee Meeting Notice... leading to provisional findings will be referred to the Army Education Advisory Committee for deliberation...: ATFL-APO, Monterey, CA 93944, [email protected]us.army.mil , (831) 242-5828. SUPPLEMENTARY INFORMATION...

  3. 77 FR 27209 - Army Education Advisory Subcommittee Meeting Notice

    Science.gov (United States)

    2012-05-09

    ... DEPARTMENT OF DEFENSE Department of the Army Army Education Advisory Subcommittee Meeting Notice...: Board of Visitors, U.S. Army War College Subcommittee. Date of Meeting: May 31, 2012. Place of Meeting: U.S. Army War College, 122 Forbes Avenue, Carlisle, PA, Command Conference Room, Root Hall, Carlisle...

  4. 77 FR 4026 - Army Education Advisory Subcommittee Meeting Notice

    Science.gov (United States)

    2012-01-26

    ... DEPARTMENT OF DEFENSE Department of the Army Army Education Advisory Subcommittee Meeting Notice... Visitors, U.S. Army War College Subcommittee. Date of Meeting: February 23, 2012. Place of Meeting: U.S. Army War College, 122 Forbes Avenue, Carlisle, PA, Command Conference Room, Root Hall, Carlisle...

  5. 78 FR 23759 - Army Education Advisory Subcommittee Meeting Notice

    Science.gov (United States)

    2013-04-22

    ... DEPARTMENT OF DEFENSE Department of the Army Army Education Advisory Subcommittee Meeting Notice... Visitors, U.S. Army War College Subcommittee. Dates of Meeting: May 16, 2013. Place of Meeting: U.S. Army War College, 122 Forbes Avenue, Carlisle, PA, Command Conference Room, Root Hall, Carlisle Barracks...

  6. Description of training activities and re-training system for nuclear professionals at the Paks Nuclear Power Plant, Hungary

    International Nuclear Information System (INIS)

    Jambrich, I.; Trampus, P.

    1993-01-01

    The nuclear power units of Paks, Hungary, have always been operated by Hungarian personnel, from the very beginning. The operator staff of unit 1 acquired its knowledge primarily outside of the country, but since 1983 the overall training process has been run entirely in Hungary, in Paks. This report gives details of present system of training programme in Hungary. The system of training for professionals builds up in vertically linked modules and is job oriented. It begins with theoretical training, followed by programmed on-the-job training which must successfully be finished before a release onto in-company or authority licensing exams for individual job performance

  7. Correlates of lending needles/syringes among HIV-seropositive injection drug users.

    Science.gov (United States)

    Metsch, Lisa R; Pereyra, Margaret; Purcell, David W; Latkin, Carl A; Malow, Robert; Gómez, Cynthia A; Latka, Mary H

    2007-11-01

    Among HIV-positive injection drug users (IDUs), we examined the correlates of lending needles/syringes with HIV-negative and unknown status injection partners. HIV-positive IDUs (N=738) from 4 cities in the United States who reported injection drug use with other IDUs in the past 3 months participated in an audio computer-assisted self-administered interview. Eighteen percent of study participants self-reported having lent their needles to HIV-negative or unknown status injection partners. Multivariate analyses showed that 6 variables were significantly associated with this high-risk injecting practice. Older IDUs, high school graduates, and those reporting more supportive peer norms for safer drug use were less likely to lend needles/syringes. Admission to a hospital for drug treatment in the past 6 months, having injected with >1 person in the past 3 months, and having more psychiatric symptoms were all associated with more risk. These findings underscore the need for a continued prevention focus on HIV-positive IDUs that recognizes the combination of drug use, mental health factors, and social factors that might affect this high-risk injecting practice, which could be associated with HIV and hepatitis C transmission.

  8. Lending Groups and Different Social Capitals in Developed and Developing Countries

    Directory of Open Access Journals (Sweden)

    Diego A. B. Marconatto

    2016-11-01

    Full Text Available Lending groups (LGs and social capital are two central elements to the many microfinance solutions operating around the world. However, LG effectiveness in reducing transaction costs and lending risks for microfinance institutions (MFIs is mediated by institutional environments. Starting from this assumption, we discuss the existent interactions between the institutional environments of developed (Anglo-Saxon and communitarian and developing countries with different stocks of social capital (individual, network and institutional and the influences of this interaction on LG effectiveness. In order to do so, we applied the institutional perspective of O. Williamson to build a theoretical framework to examine the interaction of all these conditions, allowing for analysis of their main relations within the microfinance context. Based on this framework, we propose on the one hand that in developing and Anglo-Saxon developed nations, stocks of both individual and network social capital are the most important for an LG’s effectiveness. However, in Anglo-Saxon countries, these two stocks of social capital are complemented by formal contracting devices. In communitarian developed countries, on the other hand, the stocks of institutional social capital have a stronger positive impact on LG dynamics.

  9. Army Study Shows Decline In Behavioral Health Stigma

    Science.gov (United States)

    2012-01-01

    Army Study Shows Decline in Behavioral Health Stigma By Rob McIlvaine Army News Service WASHINGTON, Jan. 20, 2012 - A newly released Army study on...conference yesterday. The three-year study outlines the problem of suicide in the Army and related issues of substance abuse, spouse abuse and child abuse...REPORT TYPE 3. DATES COVERED 00-00-2012 to 00-00-2012 4. TITLE AND SUBTITLE Army Study Shows Decline In Behavioral Health Stigma 5a. CONTRACT

  10. Army Hearing Program Status Report Quarter 2 Fiscal Year 2017

    Science.gov (United States)

    2017-07-01

    U.S. Army Publ ic Heal th Center Army Hearing Program Status Report Q2 FY17 Clinical Public Health and Epidemiology Directorate Army... Hearing Division General Medical: 500A July 2017 Approved for public release; distribution unlimited Army Hearing Program Status Report, Q2FY17...56               INTRODUCTION The Army Hearing Program Status Report (AHPSR) is a component of the Public Health

  11. A molecular phylogeny of Dorylus army ants provides evidence for multiple evolutionary transitions in foraging niche

    Directory of Open Access Journals (Sweden)

    Vilhelmsen Lars B

    2007-04-01

    Full Text Available Abstract Background Army ants are the prime arthropod predators in tropical forests, with huge colonies and an evolutionary derived nomadic life style. Five of the six recognized subgenera of Old World Dorylus army ants forage in the soil, whereas some species of the sixth subgenus (Anomma forage in the leaf-litter and some as conspicuous swarm raiders on the forest floor and in the lower vegetation (the infamous driver ants. Here we use a combination of nuclear and mitochondrial DNA sequences to reconstruct the phylogeny of the Dorylus s.l. army ants and to infer the evolutionary transitions in foraging niche and associated morphological adaptations. Results Underground foraging is basal and gave rise to leaf-litter foraging. Leaf-litter foraging in turn gave rise to two derived conditions: true surface foraging (the driver ants and a reversal to subterranean foraging (a clade with most of the extant Dorylus s.s. species. This means that neither the subgenus Anomma nor Dorylus s.s. is monophyletic, and that one of the Dorylus s.s. lineages adopted subterranean foraging secondarily. We show that this latter group evolved a series of morphological adaptations to underground foraging that are remarkably convergent to the basal state. Conclusion The evolutionary transitions in foraging niche were more complex than previously thought, but our comparative analysis of worker morphology lends strong support to the contention that particular foraging niches have selected for very specific worker morphologies. The surprising reversal to underground foraging is therefore a striking example of convergent morphological evolution.

  12. Trust: Implications for the Army Profession

    Science.gov (United States)

    2013-10-01

    Georgia Institute of Technology, a MMAS from the School of Advance Military Studies, and an MSS from the U.S. Army War College. He was the U.S. Army...degrees from the School of Advance Military Studies, the US Army War College, and Webster University. His current research focus is senior military...The Repeal of Don’t Ask, Don’t Tell—1 Year Later,” Center for American Progress, from <http://www.americanprogress.org/issues/ lgbt /report/2012/09

  13. America’s Army: The Strength of the Nation. 2010 Army Posture Statement

    Science.gov (United States)

    2010-02-19

    that the Army Soldier is the best equipped and most re- spected combatant in the world. In order to ex- ecute Army Modernization and ensure the con...Force Traumatic Brain Injury ( TBI ) Unaccompanied Personnel Housing (UPH) Unmanned Aircraft, Raven Small System Unmanned Aircraft, Shadow System Unmanned...Services TBI Traumatic Brain Injury 30 LoyaLty | Duty | Respect | seLfLess seRvice | HonoR | integRity | peRsonaL couRage 2010 Army

  14. Crotalaria (Crotalaria juncea L.) Heavy Metal Uptake in Eastern Hungary

    Science.gov (United States)

    László Phd, M., ,, Dr.

    2009-04-01

    Summary: Soil condition, plant production and ecological protection are most important parts of the sustainable agricultural activity on all over the world nowadays. Soils, their fertility, their content of different macro-, mezo-, micro-, trace elements have almost always dictated the spread of agricultural farmlands, including the plant production-, yield harvest levels and yield element contents possible. The success of agriculturists in the 20th and 21th century, particularly in the Europe has relied on inproved soil fertility managements, appropriate crop production and environmental protection. We can test and improve the situations by using different plant species (Crotalaria juncea L.) x macro nutrients (nitrogen) x chelating agents (Desferal as deferoxamine-mesilate: C25H48N6O8-CH4O3S) methods. Crotalaria has a very potential and important role in soil fertility as a green manure crop in the design of plant rotation to field plant production, in the animal foraging as a fodder-crop with a high protein content (30%) and in the pytoremediation possibilities. Field experiment was carried out on a calcareous chernozem meadow soil (Kunság-region of Hungary, Kunmadaras) in partly of crotalaria experiment series (5 years) in 2001. The agrochemical parameters of the ploughed layer of the region soils were as follows: humus 2.5-3.0%, pH (H2O) 7.7, pH (KCl) 7.0, LE (Lakanen & Erviö 1971 [3])-P2O5 183-218 mg kg-1, LE-K2O 82-115 mg kg-1, LE-Ca 1.3%, LE-Mg 56-60 mg kg-1, LE-Mn 45 mg kg-1 according to soil analysis. Nitrogen (N) x Desferal ("D"-Novartis Pharma AG Basie [7], Switzerland, Suiza 500 mg) x Genotype ("G"-India-University of Agricultural Sciences, Bangalore) x Time (T) experiment involved The N levels were 0, 100, 200 and 300 kg ha-1 year-1, and Desferal 0 and 20 kg ha-1 year-1. The plot size had an area of 4x2=8 m2. Experimental datas were estimated by MANOVA of SPSS. The main results can be summarised as follows: a., At harvest, total air dry phytomass

  15. Developing an Army Market Research Index in Support of Army Recruiting

    National Research Council Canada - National Science Library

    Morath, Ray

    2001-01-01

    .... Generating appropriate market research for the Army requires first cataloguing the existing market research databases and identifying the critical questions that are not answered by current research...

  16. Army Business Transformation: The Utility of Using Corporate Business Models within the Institutional Army

    National Research Council Canada - National Science Library

    Bailer, Jr., John J

    2007-01-01

    .... Through a survey of the literature of published corporate business plans and models, military reports, Army depot case studies, and comparative analysis of emerging computer software technology...

  17. Department of the Army, FY 1999 Amended Budget Estimates, Army Working Capital Fund

    National Research Council Canada - National Science Library

    1998-01-01

    The Department of the Army has historically operated a significant number of its organic commercial and industrial facilities under revolving fund concepts to encourage these activities to function...

  18. The Center for the Army Profession and Ethic (CAPE) Annual Survey of the Army Profession (CASAP FY16)

    Science.gov (United States)

    2016-12-30

    incredibly fatiguing which cuts into my personal time to include mental health, physical health, and emotional well-being.” Understand this...April 2016. Its findings contribute to shared understanding of the State of the Army Profession within the Army Culture of Trust -- informing senior...Army leaders regarding the effectiveness of policies and practices intended to inspire and motivate Army professionals to “live by and uphold the Army

  19. A History of the Army Ground Forces; Study Number 16. The Army Ground Forces History of the Second Army

    Science.gov (United States)

    1945-09-01

    proficiency in conjunction with other arms and services.7 GHQ and Second Army placed great stress on the development of instructors and the proper training of...separate units. This was clearly brought out in a report of iuspection of Second Army units at Ft. Knox, Ky., by Maj. Gen. J. M. Cumins , Commander of the...covered were food and water, hygiene, housing, field sanitation, and contagious and communicable diseases. Physical exercise stressed mass calisthenics

  20. Army's drinking water surveillance program

    International Nuclear Information System (INIS)

    Sneeringer, P.V.; Belkin, F.; Straffon, N.; Costick, S.A.

    1977-01-01

    In 1976 a total of 827 water sources from Army installations throughout the world were sampled and analyzed for 53 chemical constituents and physical parameters. Medically significant contaminants included radiation measurements, heavy metals, fluoride, nitrate, and pesticides. Radiological activity appeared to vary with geographic location; a majority being from water sources in the western part of the U.S. No results for tritium were found to exceed the health-reference limit. Confirmatory analyses for radium-226 identified 3 groundwater sources as exceeding the limit; one was attributed to natural activity and the other sources are currently being investigated. Of the metals considered to be medically significant, mercury, chromium, lead, cadmium, silver, barium and arsenic were found in amounts within health level limits. Nitrate levels exceeding the health limit were confirmed for 2 drinking water sources

  1. Student Mobility or Emigration Flow? The Case of Students Commuting from Serbia to Hungary

    Directory of Open Access Journals (Sweden)

    Zoltan Takac

    2015-04-01

    Full Text Available Student mobility between two European countries in transition, Hungary and Serbia, was considered for the period 2001-2010. The high motivation and number of Hungarian-speaking students emigrating/commuting to Hungary began in 1990, with the beginning of the Yugoslav Wars. In 2010, 1,385 Hungarian-speaking students (from Vojvodina, Serbia studied in Hungary and 3,152 in Serbia. Student mobility between Hungary and Serbia is highly concentrated and causes a very low returning rate of educated young elite (approximately 30%. For this reason, the future of the Hungarian minority has begun to be put into question in Serbia, in the Autonomous Province of Vojvodina, where their percentage within whole population is noticeably decreasing (1991: 16.9%, 2001: 14.3%. The research has been focused on answering the following questions: Are there integration conflicts in the autochthon minority within the state borders of Serbia? What can higher education offer to these students? Does the region offer enough to provide perspectives for young members of the elite? Will early student mobility end with continuous emigration? Empirical background: Interviews with young adult migrants from Serbia to Hungary; Location: Serbia. Objective: To examine the motives and willingness to emigrate among the Hungarian young adults/students from Vojvodina. Interview subjects: 18 university/college students or young adults with a diploma (from Vojvodina. It is important to note that only those young adults were interviewed who have returned to Serbia having finished their educational career or who are likely to come back later. Conclusions in brief: The Yugoslav Wars, worsening economic conditions, and low living standards have significantly influenced the willingness of the youth to migrate. The motives of migration among the Hungarian youth in Vojvodina are gaining professional experience, broadening knowledge, and improving language. Hungary is the first target country of

  2. Army Roof Management and Improvement Opportunities

    National Research Council Canada - National Science Library

    Bailey, David

    1999-01-01

    ... - about $200 million annually. Systemic, integrated solutions offer the Army a great opportunity to save millions of dollars annually in repair and replacement costs, and to avoid incidental costs incurred due to interrupted...

  3. Evaluation of Sierra Army Depot Groundwater Contamination

    National Research Council Canada - National Science Library

    Granetto, Paul

    1997-01-01

    ...), September 28, 1996. The Congressional conferees were concerned about allegations from a group of investors that the Army precipitously and abruptly changed its position on permits and applications to develop water...

  4. US Army Nuclear Burst Detection System (NBDS)

    International Nuclear Information System (INIS)

    Glaser, R.F.

    1980-07-01

    The Nuclear Burst Detection System (NBDS) was developed to meet the Army requirements of an unattended, automatic nuclear burst reporting system. It provides pertinent data for battlefield commanders on a timely basis with high reliability

  5. Accelerated Logistics: Streamlining the Army's Supply Chain

    National Research Council Canada - National Science Library

    Wang, Mark

    2000-01-01

    ...) initiative, the Army has dramatically streamlined its supply chain, cutting order and ship times for repair parts by nearly two-thirds nationwide and over 75 percent at several of the major Forces Command (FORSCOM) installations...

  6. Energy Design Guides for Army Barracks: Preprint

    Energy Technology Data Exchange (ETDEWEB)

    Deru, M.; Zhivov, A.; Herron, D.

    2008-08-01

    The U.S. Army Corps of Engineers and NREL are developing target energy budgets and design guides to achieve 30% energy savings. This paper focuses the design guide for one type of barracks called unaccompanied enlisted personal housing.

  7. US Army Cultural Obstacles to Transformational Leadership

    National Research Council Canada - National Science Library

    Combs, Peggy C

    2007-01-01

    ...." Although these words sound like a direct lift of the current 2007 Army Posture statement, which discusses the "pentathlete" leader, they were written by the 33rd CSA, General Dennis Reimer, in 1999...

  8. A Pilotless Army in the Megalopolis

    National Research Council Canada - National Science Library

    Wegner, Robert

    2004-01-01

    This monograph answers the question, "Can unmanned aerial vehicles (UAVs) supplant manned United States Army attack and reconnaissance helicopters in the conduct of future urban operations" and the answer is, "not completely...

  9. Experiences with an International Digital Slide Based Telepathology System for Routine Sign-out between Sweden and Hungary

    Directory of Open Access Journals (Sweden)

    Tamás Micsik

    2015-05-01

    Full Text Available Digital microscopy combines the benefits of traditional optical microscopy and the advantages of computer sciences. Using digital whole slides in all areas of pathology is increasingly popular. Telepathology or long distance diagnosis is one such area. In our study we have evaluated digital slide based histopathology diagnosis in an international setting, between Sweden and Hungary. Routine cases from the Sundsvall County Hospital (Landstinget Vasternorrland were collected. Glass slides were scanned using Pannoramic 250 Flash II. (3DHISTECH Ltd., Budapest, Hungary. During the first round of evaluation the glass slides were shipped to Hungary for primary diagnosis. Two pathologists from Hungary, reading glass slides and one pathologist from Sweden reading digital slides signed out 500 cases. Pathologists from Hungary reached the hospital information system with a secure connection. During the second round the pathologists in Hungary reevaluated 200 from the 500 cases using digital slides after three months washout period. Diagnostic accuracy was calculated and diagnostic errors was graded according to clinicopathological consequences. In 182/200 (91% cases digital and optical diagnoses were in full agreement. Out of the remaining 18 cases, 1 (0.5% critical error was identified. In this case the error had therapeutic and prognostic consequence and no uncertainty either because of case complexity or poor image quality was recorded by the pathologist. We think language and communication issues as well as differences in minimal data sets of pathological reports and in guidelines used in Sweden and in Hungary are factors potentially limiting the widespread use of digital slides in a teleconsultation service provided to Sweden from Hungary. We found the quality of digital slides in our study setting acceptable to reach correct primary diagnosis in routine, unselected, random cases of a small-to-medium sized pathology department in Sweden.

  10. Modernization of the irradiation apparatus for nuclear instrument calibration laboratory of the Paks Nuclear Power Plant, Hungary

    International Nuclear Information System (INIS)

    Orban, M.; Csete, I.; Lenart, A.

    1993-01-01

    The National Office of Measures, OMH of Hungary, has made several proposals for improving technical and personal conditions of metrological inspection of calibration apparatuses at PNPP, Hungary. Some recent improvement of irradiation facilities are described, including the collimator system of the large gamma irradiation facility, the small gamma irradiation gun, and the Pu-Be neutron gun. The upgrading operations and results of these equipment are presented. (N.T.) 4 figs.; 1 tab

  11. Leadership Stability in Army Reserve Component Units

    Science.gov (United States)

    2013-01-01

    OMB control number. 1. REPORT DATE 2013 2. REPORT TYPE 3. DATES COVERED 00-00-2013 to 00-00-2013 4. TITLE AND SUBTITLE Leadership Stability in...standards for research quality and objectivity. Leadership Stability in Army Reserve Component Units Thomas F. Lippiatt, J. Michael Polich NATIONAL SECURITY...RESEARCH DIVISION Leadership Stability in Army Reserve Component Units Thomas F. Lippiatt, J. Michael Polich Prepared for the Office of the

  12. Democratic civilian control of the Nepalese Army

    Science.gov (United States)

    2013-06-14

    following are recommendations or principles the Army must institutionalize to guide it through the still-evolving civil-military relationship discussions...society. The following are recommendations or principles the Army must institutionalize to guide it through the still-evolving civil-military...hence, the principal–agent framework developed in microeconomics and already used in various political applications can be profitably extended to

  13. Weapons Systems, United States Army 1997.

    Science.gov (United States)

    1997-01-01

    Mexico, Morocco , Philippines, Turkey Co-Production: Korea The Army began fielding the UH-60 in 1978. Between 1978 and 1989 the Army procured UH-60A...Improvement Program ( CSR TEP) to all Area Common User System (ACUS) switch users (except AN/TTC-39-A(V)l). Incorporate Enhanced Switch Operation Program...Finland, Greece, Italy, Kuwait, Morocco , Saudi Arabia National Guard, SHAPE Tech Ctr (NATO), Spain, Special Def Acq Fund (pre-purchased export

  14. Counter - Drug: Mandate for the Army.

    Science.gov (United States)

    1991-03-01

    this comprehensive review will provide a basis for responding to new missions assigned...observations for determining the short-, mid-, and long-term direction of Army support to the national counter-drug effort. Also, this comprehensive review will provide...and long-term direction of Army support to the national counter-drug effort. Also, this comprehensive review will provide a basis for responding

  15. The Cultural Dimension of Army Transition

    Science.gov (United States)

    2012-12-06

    by the conveyor belt of training. Instead of spending so much of their time as resource managers, the challenges become those of the operational...adaptability. 19The ARMY 2020 project defined the design of the future Army. A design team lead by...iterations, a design based approach uses systemic analysis to resolve these criteria. 27 Systems thinking reflects a departure from the common

  16. U.S. Army Space Operational Narrative

    Science.gov (United States)

    2012-03-20

    fire, and effects ( MFE ), the operational support (OS), and the functional support division (FSD); it is further divided into many more specialties...cyberspace expertise at the highest levels is a must for the Army. Both ARCYBERCOM and USASMDC/ARSTRAT commands are key positions filled by MFE officers... MFE officers with the majority from infantry and armor (31). The FA, AD, and EN branches will round out the top five.47 Half of the Army branches are

  17. Florence Nightingale: on feeding an army.

    Science.gov (United States)

    Calkins, B M

    1989-12-01

    Florence Nightingale's work for the British Army during the Crimean War earned her the well-deserved honor of being considered the mother of modern nursing. Less well recognized is her involvement with the development of nutritional services for the military. A nutrient-intake analysis is developed here based on her recommendations and recipes for army troops. The intake profile is compared with modern recommendations for dietary intake for adequacy of the diet.

  18. The Army Ethic-Inchoate but Sufficient

    Science.gov (United States)

    2015-06-12

    are constraints imposed by this thesis. Delimitations include the scope, jus ad bellum, cultural relativism , descriptive ethics , and implementation...politicians. Third, this thesis will not look in depth at cultural relativism and how changes in laws and society’s philosophical and ethical ...THE ARMY ETHIC –INCHOATE BUT SUFFICIENT A thesis presented to the Faculty of the U.S. Army Command and General Staff College

  19. Department of the Army Installation Restoration Program

    International Nuclear Information System (INIS)

    Anderson, A.W.

    1988-01-01

    The Army's Installation Restoration Program (IRP) was established in 1975 in response to regulatory action at several installations where past disposal practices had caused contamination of streams and groundwater. The need to decontaminate excess Army-owned real estate also was considered in early IRP activities. A variety of site types have been discovered on Army installations. The major site types evaluated to date include: contaminated soil areas, landfills, lagoons, buildings, burning grounds, sumps, pits, storage tanks, sewage treatment plants, storage pads, industrial wastewater treatment plants, and salvage yards. Twenty Army installations have been proposed for or listed on the National Priorities List (NPL). The need for taking action at hazardous waste sites, however, is based on threats they pose to human health, welfare or the environment. Sites do not have to be on the SPL in order to be cleaned up through IRP activities. All of the sites that caused Army installations to be proposed for the NPL are being evaluated and cleaned up. In addition, all Army properties have been or will be assessed and where needed they will be addressed by the IRP

  20. Where does the Buck Stop? Community Attitudes to Over-lending and Over-spending

    Directory of Open Access Journals (Sweden)

    James O’Brien

    2009-03-01

    Full Text Available This article explores the results of focus groups and a national survey aimed at discoveringhow ordinary Australians feel about lending and borrowing practices, in the context of highlevels of consumer debt. This research, carried out by The Australia Institute in 2007, found astrong community belief that lenders and regulators, rather than individual consumers, wereprimarily responsible for excessive debt. Many Australians reported feeling uncomfortableabout the way that credit is pushed on vulnerable and ill-informed consumers; advertising andmarketing were believed to be partly responsible for poor financial decision-making. Theauthors propose a number of practical policies to improve the environment in whichconsumers make financial decisions, including a more helpful disclosure regime.

  1. An Exploratory Study On Bank Lending To SME Sector In Bhutan

    Directory of Open Access Journals (Sweden)

    Chokey Wangmo

    2017-11-01

    Full Text Available This study examines the factors used by the banks to determine the outcome of loan applications of Small and Medium Enterprises SMEs in Bhutan. Inaccessibility to financing is one of the biggest challenges faced by the Bhutanese SMEs. This exploratory study is built on in-depth interview of 6 credit officials to understand the lending behaviour of banks towards SMEs. Thematic Analysis revealed that the bank loan accessibility was a function of firm and owner characteristics. The collateral and internal finance was found to be vital in determining SMEs accessibility to bank loans. SMEs inadequate financial information was a serious problem for the banks. Firm age size and industry sector had a positive correlation with bank loan accessibility. The age and educational qualification of borrowers were also found to have a positive relationship while the gender of the owner did not have any effect on bank loan accessibility.

  2. Does gender affect funding success at the peer-to-peer credit markets? Evidence from the largest German lending platform

    OpenAIRE

    Barasinska, Nataliya; Schäfer, Dorothea

    2010-01-01

    Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of peer-to-peer lendingmarkets or is it subject to specific businessmodels, ways of fixing loan contracts and even national financial systems? We aim at answering this question by providing evidence on loan procurement at the largest German peer-to-peer lending platform Smava.de. Our results show that ...

  3. An Effective Interval-Valued Intuitionistic Fuzzy Entropy to Evaluate Entrepreneurship Orientation of Online P2P Lending Platforms

    Directory of Open Access Journals (Sweden)

    Xiaohong Chen

    2013-01-01

    Full Text Available This paper describes an approach to measure the entrepreneurship orientation of online P2P lending platforms. The limitations of existing methods for calculating entropy of interval-valued intuitionistic fuzzy sets (IVIFSs are significantly improved by a new entropy measure of IVIFS considered in this paper, and then the essential properties of the proposed entropy are introduced. Moreover, an evaluation procedure is proposed to measure entrepreneurship orientation of online P2P lending platforms. Finally, a case is used to demonstrate the effectiveness of this method.

  4. Organizational environment of outpatient drug treatment services in Hungary: a pilot study.

    Science.gov (United States)

    Gazdag, Gábor; Ungvari, Gabor S; Rozália, Takács; Rácz, József

    2012-12-01

    Organizations engaged in drug addiction treatment started their activities only recently in Hungary. This paper examines the organisational environment in drug outpatient treatment using the example of Blue Point Foundation (BPF), a non-governmental organization (NGO). The authors describe BPF's organizational structure and functioning related to its effectiveness. BPF staff members anonymously completed a 59-item questionnaire about its organizational characteristics and functioning. The questionnaire covered demographic data, 50 items of the Quality Control questionnaire and a SWOT (Strengths, Weakness, Opportunities, Threats) analysis. Policy and strategy were considered BPF's best feature, while the management of funds received the lowest rating. The assessment of the staff and that of the organization as a whole was closer to the midpoint of the scale. High risk of staff burnout and unstable organizational environment are the most important threats on the NGOs working in addictology in Hungary.

  5. Experience of the WiN Hungary in Communication with Public on a Big Social Events

    International Nuclear Information System (INIS)

    Szucsán, M.

    2015-01-01

    My poster presentation is about a process of communication with public during big social events like festivals, open days and sport’s competitions. The technique is: we make a WiN stand on the frequent place of events, invite visitors and kindly ask them to fill our questionnaire about nuclear industry in Hungary. The questionnaire contents 15 questions about Hungarian NPP (how many units we have, what is electrical output). We communicate with visitors during the filling a questionnaire and after that we check the result. We can see the level of knowledge of our guest and give them the appropriate information on their level. Usually every participant takes a small present with the emblem of WiN Hungary. This form of communication has tested many times in our activity. It works very effectively. The form of poster is a chart flow of the process illustrated with photos. (author)

  6. PROTECTION AGAINST WESTERN CORN ROOTWORM ADULTS (DIABROTICA VIRGIFERA VIRGIFERA LECONTE IN BARANYA COUNTY (HUNGARY

    Directory of Open Access Journals (Sweden)

    Veronika TÓTH

    2006-05-01

    Full Text Available With the settle of western corn rootworm (Diabrotica virgifera virgifera LeConte (from 1995, the spectrum of pests with potential damage in Hungary increased. The pest was followed by trapping (with sex-pheromone and colour traps. In 2000 the pest was found in whole Hungary (except Győr-Moson-Sopron, Vas and Szabolcs-Szatmár-Bereg county, in extremely fl uctuating number (1-700 pest/trap. In the southern region for maize production (Csongrád, Békés, Bács-Kiskun, Baranya, Tolna county, where the pest was found fi rst, the number of it increased in various centres. Based on these data, we carried out insecticide experiment.

  7. [Most important deficits, contradictions and possibilities in suicide prevention in Hungary].

    Science.gov (United States)

    Kalmár, Sándor

    2015-03-01

    Suicide is not only a contradictory biological, psychological, sociocultural and spiritual phenomenon, but also a serious public health problem, which is manifold, therefore the fight against it is also complex. The aim of the present publication is to establish the current situation of the fight against suicide in Hungary, which are the most important deficits, contradictions and unexploited possibilities. The author states that although we have accomplished important steps in the prevention of suicide, we did not realise the majority of them in everyday practice. The author defines the most important problems and tasks which should be solved in the next decade. In the near future a great deal more should be done for prevention than what we have accomplished so far in order to significantly reduce the number of suicide victims in Hungary.

  8. ICT diffusion in Hungary Nyuga-Dunántúl region

    Directory of Open Access Journals (Sweden)

    Péter Tóth

    2014-02-01

    Full Text Available The acceptance of info communication technologies (ICT is an inevitable element of rural development since the infrastructure is more or less developed in Hungary. The problem of acceptance lies in the attitude toward new technologies. In this paper we would like to describe the process where the use of a certain service available only in an online environment becomes popular among the rural population. Using the best known Hungarian social network site IWIW registrants data on settlements and users of a Hungarian NUTS II region combined with spatial and demographic statistics one could describe the scale and direction of diffusion processes which adds some more information to the facts we already know on state of information society in Hungary.

  9. Between East and West: polio vaccination across the Iron Curtain in Cold War Hungary.

    Science.gov (United States)

    Vargha, Dora

    2014-01-01

    In 1950s Hungary, with an economy and infrastructure still devastated from World War II and facing further hardships, thousands of children became permanently disabled and many died in the severe polio epidemic that shook the globe. The relatively new communist regime invested significantly in solving the public health crisis, initially importing a vaccine from the West and later turning to the East for a new solution. Through the history of polio vaccination in Hungary, this article shows how Cold War politics shaped vaccine evaluation and implementation in the 1950s. On the one hand, the threat of polio created a safe place for hitherto unprecedented, open cooperation among governments and scientific communities on the two sides of the Iron Curtain. On the other hand, Cold War rhetoric influenced scientific evaluation of vaccines, choices of disease prevention, and ultimately the eradication of polio.

  10. Resolving Bad Loans in Central and Eastern Europe: The Cases of Hungary, Poland and Czech Republic

    Directory of Open Access Journals (Sweden)

    Jeong-Chul Han

    1998-06-01

    Full Text Available In the process of transformation in old socialist country in Eastern Europe in 1989, a large scale insolvent debenture emerges. Hungary, Poland and the Czech Republic which drove Eastern Europe's economy, use insolvent loan to solve this insolvent debenture and these three countries also make the government bonds as money supply funding patterns. But Hungary and Poland use decentralized solution and leading banks to deal with the bad creditor. On the contrary, Czech has no special way of dealing with that, but let some certain bank mainly focusing on the bad creditor which is called centralized solution. Now, Korean government is using the similar method like Czech. In this point of view, in order avoid insolvent debenture becoming the burden of economy, Korea has to work out the same plan to deal with insolvent debenture with Poland.

  11. Building and toning: An analysis of the institutionalization of mediation in penal matters in Hungary

    Directory of Open Access Journals (Sweden)

    Fellegi Borbála

    2011-01-01

    Full Text Available Since 1 January 2007, victims of crimes and offenders have been offered the chance to have recourse to mediation in Hungary. This paper will first give a short overview of the current situation of mediation in penal matters in Hungary, then it will discuss some general phenomena and dilemmas concerning the general introduction of mediation. After that, I will present a SWOT analysis1 of the current Hungarian mediation system in penal matters. The main goal of this article is to set up certain criteria for the further development of the restorative approach. The lessons we have learnt, the strengths and opportunities of the system and the identification of weaknesses might prove useful for other countries when they choose to introduce mediation, and in relation to the protection of victims in particular.

  12. Analysis of the full-length VP2 protein of canine parvoviruses circulating in Hungary.

    Science.gov (United States)

    Cságola, Attila; Varga, Szilvia; Lőrincz, Márta; Tuboly, Tamás

    2014-09-01

    In recent years, the number of cases of disease caused by canine parvovirus 2 (CPV-2) in vaccinated dogs has increased. The aim of the present study was to identify CPV-2 strains present in Hungary. Forty-two out of 50 faecal specimens examined were positive, and 25 VP2 sequences were determined and analysed. Based on the current classification, the Hungarian viruses belong to New CPV-2a type, except two viruses that are recombinants of vaccine viruses and CPV-2a strains. The Tyr324Ile alteration was detected for the first time in Europe, and a "Hungarian-specific" substitution (Ala516Thr) was also identified in this study. The immunologically important parts of the currently spreading canine parvoviruses were examined and found to differ greatly from the vaccine strains that are widely used in Hungary.

  13. Possibilities for the Creation of Beer Routes in Hungary: A Methodological and Practical Perspective

    Directory of Open Access Journals (Sweden)

    Csapó János

    2016-09-01

    Full Text Available This study aims to analyse the possibilities and the potential for the establishment of beer tourism, one of the most recently valorised tourism products of global gastro tourism, and more importantly the creation and professional criteria of beer routes in Hungary. With a thorough investigation of the theoretical background of beer tourism and beer trails the authors try to collect those spatial perspectives which confirm our idea that Hungary is possessing adequate resources for the initiation of this new tourism product. We experienced that this area of tourism geography has not yet been researched thoroughly in the country, for which we make an attempt in this paper, using geographical and GIS methods, basically relying on the beer routes of Bavaria, Germany as good practices.

  14. Research on organic liquids as reactor coolants. Status report from Hungary

    International Nuclear Information System (INIS)

    Kiss, I.

    1967-01-01

    The organic-moderated and cooled nuclear reactor concept has stimulated extensive activities in numerous different areas of research. Investigations started in Hungary in 1958 do not cover all topics of interest in organic reactors and so far no projects have been started to build such a reactor. Since OMRE and other organic reactor experiments have already shown the potential use of organic materials as reactor coolants and moderators, efforts have been focused rather on the investigation and solution of certain specific particular problems and also on economic aspects. One of the most important objectives seems to be a better knowledge of the radiolytic heat transfer and neutron physics behaviour of organic liquids. In Hungary the following topics were selected for investigation: Radiation stability of organic compounds and their mixtures; Heat-transfer studies; Investigations on the moderating parameters of organic liquids; Economic analysis of the possible use of organic reactors for process heat application

  15. Research on organic liquids as reactor coolants. Status report from Hungary

    Energy Technology Data Exchange (ETDEWEB)

    Kiss, I [Central Research Institute for Physics, Budapest (Hungary)

    1967-01-01

    The organic-moderated and cooled nuclear reactor concept has stimulated extensive activities in numerous different areas of research. Investigations started in Hungary in 1958 do not cover all topics of interest in organic reactors and so far no projects have been started to build such a reactor. Since OMRE and other organic reactor experiments have already shown the potential use of organic materials as reactor coolants and moderators, efforts have been focused rather on the investigation and solution of certain specific particular problems and also on economic aspects. One of the most important objectives seems to be a better knowledge of the radiolytic heat transfer and neutron physics behaviour of organic liquids. In Hungary the following topics were selected for investigation: Radiation stability of organic compounds and their mixtures; Heat-transfer studies; Investigations on the moderating parameters of organic liquids; Economic analysis of the possible use of organic reactors for process heat application.

  16. Carbon Risk Analysis Of The South African Banks’ Lending To The JSE100 CDP Companies

    Directory of Open Access Journals (Sweden)

    Alfred Bimha

    2015-11-01

    Full Text Available There is a pertinent concern over the continued lending to companies that are still pursuing projects that increase the amount of carbon emissions in the atmosphere. South Africa has most of its energy generation being done through coal thermal powered turbines. More so there are a number of new power stations being built in South Africa that are coal powered. Coal on the other hand is deemed as having the highest amount of carbon that contributes to the greenhouse effect which in turn affects the climate leading to climate change consequences. There is also a growing concern on the uptake of renewable energy initiatives by companies that are deemed carbon intensive. Banks are being castigated for not using their economic transformation role to champion the agenda of combating climate change caused by carbon emissions. In this study, the extent of lending in the short and long term to carbon intensive companies by South African banks is examined. Using a sample of the Johannesburg Stock Exchange top 100 companies that participate in Carbon Disclosure Project, an analysis is done through four carbon metrics –carbon intensity, carbon dependency, carbon exposure, carbon risk. The analysis used public information from the banks’ websites, South African Reserve Bank reports and other public databases that contain sustainability information of the JSE100 companies. The analysis was done by comparing the carbon metrics of the recognized seven (7 sectorial industry catergories (SIC on the JSE, mainly Energy & Materials, Industrials, Consumer Staples, Consumer Discretionary, Financials, IT & Telecoms and Health Care. The major finding of the research is that there is a high carbon risk in short term loans compared to long term loans across the JSE100 companies that are analysed. More so, the Energy & Materials sector seem to have the highest carbon risk compared to the other sectors.

  17. Social orientations and adolescent health behaviours in Hungary.

    Science.gov (United States)

    Piko, Bettina F; Skultéti, Dóra; Luszczynska, Aleksandra; Gibbons, Frederick X

    2010-02-01

    Adolescent health behaviours are influenced by a variety of social factors, including social orientations, such as social comparison or competitiveness. The main goal of the present study was to investigate the role that these social orientations might play in health behaviours (both health-impairing and health-promoting). Data were collected from high school students (N = 548; ages 14-20 years; 39.9% males) in two counties of the Southern Plain Region of Hungary. The self-administered questionnaires contained items on sociodemographics, such as age, sex, parental schooling, and socioeconomic status (SES) self-assessment; school achievement, health behaviours, competitiveness and social comparison. Multiple regression analyses suggest that those who scored higher on competitiveness engaged in more substance use, a pattern that was not present for health-promoting behaviours. Social comparison, however, was associated with lower levels of substance use. In addition, in relation to health-impairing behaviours, both competitiveness and social comparison interacted with sex; both social orientation variables proved to be more important for boys. Social comparison also contributed to health-promoting behaviours among boys. Findings support the idea that the role of social orientations, such as competitiveness and social comparison, can be quite different depending on sex and the nature of the health behaviour. While competitiveness may act as a risk factor for substance use among boys, social comparison may act as a protection. It appears that social orientations play less of a role in girls' health-related behaviours. More focus is needed on gender differences in influences on adolescents' health-related behaviours. Les comportements de santé des adolescents sont influencés par une variété de facteurs sociaux, incluant les orientations sociales telles que la comparaison sociale ou la compétitivité. Le but principal de la présente étude était d'examiner le r

  18. Packet-switched data communication system of the Paks Nuclear Power Plant, Hungary

    International Nuclear Information System (INIS)

    Szuegyi, M.

    1991-01-01

    Data communication systems are inherent components of the computer network of nuclear power plants. In the PNPP, Hungary, a new packet-switched network has been installed, based on the X25 protocol. It was developed in the framework of the Information Infrastructure Development project of the country. The most important system and software components of the new packet-switched communication system and computer network installed at PNPP are described. (R.P.) 4 refs.; 1 fig

  19. Urban-Rural Differences in Level of Various Forms of Trust in Hungary

    OpenAIRE

    Dusek, Tamas; Palmai, Eva

    2015-01-01

    This study examines the association between urban/rural residence and various forms of trust in Hungary, including control variables such as age, gender, income, marriage, qualification into the analysis. Trust is a basic dimension of human capital and a very often used concept in everyday situations too. Trust research became increasingly popular in recent years. However, urban-rural and spatial differences of specific forms of trust remains a rarely investigated question. Trust can be measu...

  20. Considerations and data on the uranium deposits in West-Mecsek Mountains, Hungary

    International Nuclear Information System (INIS)

    Erdi-Krausz, G.; Harsanyi, L.

    1999-01-01

    In 1987, the Government of Hungary closed the uranium mining in the Mecsek Mountain. Data are presented on the uranium reserves in the abandoned site of West-Mecsek. The history of uranium mining and the total amount of produced uranium are up to 31 December 1997 is presented. Some countries in Europe also abandon uranium mining, others develop it (Ukraine, Russia, Kazakhstan, Canada, Australia etc.). The Hungarian uranium reserves should be registered as a part of the national assets. (R.P.)