WorldWideScience

Sample records for lend le vahakanala

  1. 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...

  2. 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…

  3. 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...

  4. 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...

  5. 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...

  6. 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.

  7. 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...

  8. 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. ...

  9. 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...

  10. 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

  11. 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.

  12. 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...

  13. 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...

  14. 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.

  15. 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...

  16. 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...

  17. 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...

  18. 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…

  19. 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...

  20. 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,

  1. 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...

  2. 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.

  3. 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.

  4. 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

  5. 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

  6. 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...

  7. 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...

  8. 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…

  9. 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

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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.

  16. 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...

  17. 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.

  18. 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...

  19. 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.

  20. 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.

  1. 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...

  2. 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...

  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. 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.

  11. 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.

  12. 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

  13. 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.

  14. 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...

  15. 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 ...

  16. 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...

  17. 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.

  18. 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...

  19. "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...

  20. 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.

  1. 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.

  2. 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...

  3. 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 ...

  4. 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...

  5. Le Sanskrit

    CERN Document Server

    Balbir, Nalini

    2013-01-01

    Cet ouvrage est destiné à tous ceux qui souhaitent se mettre ou se remettre à l'étude du sanskrit et ne peuvent y consacrer que quelques minutes par jour. En suivant le principe de la méthode quotidienne Assimil, vous acquerrez progressivement le vocabulaire et la grammaire de base qui sont nécessaires à la lecture des textes de la littérature sanskrite classique. Vous trouverez dans cette méthode une approche vivante de la langue et de la culture sanskrite classique à travers des textes d'abord adaptés pour le débutant puis authentiques. En quelques mois, vous manierez la langue sans efforts ni hésitation, de manière très naturelle. Les enregistrements reprennent l'intégralité des textes en sanskrit des leçons et des exercices de traduction du livre. Ils sont interprétés, à un rythme progressif, par des locuteurs natifs professionnels.

  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. Ühepäevaliblika lend üle valgete laikude / Sven Karja

    Index Scriptorium Estoniae

    Karja, Sven, 1968-

    2000-01-01

    Teatrikriitika olukorrast - kiirtempo, esietenduse põhjal arvustamine, väikelinnateatrite keskmised lavastused jäävad kajastuseta. Vaadeldakse hooaja kolme "mahavaikitud " lavastust - Akos Kertészi "Lesed" Eili Neuhausi lavastuses Rakvere Teatris, Mario Fratti "Ohver" Madis Kalmeti lavastuses Pärnu Endlas ja David Williamsoni "Sõbrad ja raha" Viljandi Ugalas.

  11. 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 ...

  12. 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.

  13. 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] ...

  14. 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

  15. 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

  16. 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

  17. 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

  18. 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...

  19. 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...

  20. 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…

  1. 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

  2. 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).

  3. 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...

  4. 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...

  5. 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.

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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 ...

  17. 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.

  18. 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.

  19. 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...

  20. 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

  1. 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…

  2. Le laboratoire, le temple et le marché

    International Development Research Centre (IDRC) Digital Library (Canada)

    De manière générale, les auteurs insistent sur le fait que c'est leur foi qui leur a .... nettement que dans de nombreux cercles, le besoin était vivement ressenti de ... Le Dr Kapur présente tout d'abord une brève discussion sur sa vision du ...... pour les soins aux enfants orphelins et aux pauvres et pour la renaissance des ...

  3. 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

  4. 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...

  5. Le vieillard et le chevalier

    Directory of Open Access Journals (Sweden)

    Mélanie JECKER

    2010-05-01

    Full Text Available La fin du Moyen Âge fascine. Deux facteurs principaux expliquent l’attraction qu’exerce cette période : elle apparaît d’une part comme un moment historique riche car double, phase de transition entre le Moyen Âge et la Renaissance, où se mêlent des cadres de représentation anciens et nouveaux. L’insinuation d’une pensée humaniste balbutiante s’y traduirait notamment par l’émergence de la notion d’individu, qui constitue l’un des objets de ce travail. Il faut invoquer, d’autre part, l’image macabre d’un bas Moyen Âge hanté par l’idée de la maladie et de la mort depuis l’épidémie de peste noire de 1348, obsédé par la brièveté de la vie humaine. Ces deux facettes de « l’automne du Moyen Âge » tel que l’évoque avec poésie Joan Huizinga sont-elles autre chose qu’une plaisante image d’Epinal? Cette étude cherche précisément à déterminer le degré de validité de ces deux topiques, à travers l’analyse de la représentation des âges de la vie dans un corpus bien défini, celui de la biographie chevaleresque castillane du XVe siècle. L’intérêt porté à l’individu, la conscience de la singularité impliquent en effet celle du caractère mouvant de la personne, or quel thème mieux que celui des âges permet de confirmer ou d’infirmer l’hypothèse du surgissement d’une nouvelle manière de concevoir l’homme, proprement « renaissante », en ce siècle de transition , La nature même du corpus retenu – des récits biographiques – suggère en effet une mutation dans l’appréhension de la personne, une attention prêtée à sa progressive transformation. L’étude de la représentation de la vieillesse, en particulier, révèle non seulement à quel point était alors réelle cette prétendue obsession de la déchéance physique et de la mortalité, mais aussi dans quelle mesure étaient soulignés et valorisés les changements individuels parallèles à l

  6. Le beau et le vrai

    Directory of Open Access Journals (Sweden)

    Létitia Mouze

    2006-05-01

    Full Text Available La vie des abeilles de Maeterlinck est un ouvrage à la fois scientifique et littéraire, non pas parce qu’il appartiendrait à la science par son exactitude et à la littérature par son style, mais en ce qu’il invite à penser l’unité des deux domaines. Les aspects littéraires de l’ouvrage (beauté de l’écriture, usage des images, de l’analogie, etc. ne sont pas des accessoires, mais des outils indispensables à l’élaboration d’un authentique savoir sur les abeilles, c’est-à-dire un savoir qui reconnaît la part d’inconnu et le mystère qui subsistent en dépit de toutes les explications physiques et mécaniques que l’on peut par ailleurs donner des phénomènes observés. Etre scientifique, dans cette perspective, c’est-à-dire donner à connaître, c’est donc être littéraire. Cette conception de la science repose en dernière instance sur une conception philosophique de l’univers comme un tout où toutes choses sont reliées, unies, par des relations d’analogies, ce qui fonde et justifie l’emploi d’un style symboliste.The life of bees, one of Maeterlinck’s works, is together a scientific and literary book, not because of it scientific exactness and its literary style, but for the reason it suggests the unity of both these domains. Literay’s aspects of this work (writing’s beauty, use of images, analogy, etc. are not secondary but necessary to elaborate an authentic knowledge about bees, that means a knowledge which admit the unknown part and the mistery that subsist despite all the physical and mechanical explanations we can give moreover about the observed phenomenons. Be a scientist, in this sense, that is give something to know, therefore means be literary. Finally, this conception of science consist in a philosophiacl conception of Universe as a whole where everything links together, and is united by analogical relations, that base and justify the use of a symbolist style.

  7. Le CRDI en Colombie

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le CRDI appuie la recherche en Colombie dans des domaines tels ... Le CRDI a soutenu des activités de longue haleine qui ont eu pour ... Des travaux subventionnés par le CRDI ont aidé une fondation à intégrer Internet à son programme ...

  8. 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.

  9. 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...

  10. 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

  11. 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.

  12. 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...

  13. 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

  14. 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

  15. 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...

  16. 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...

  17. 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.

  18. 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

  19. 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...

  20. 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...

  1. 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

  2. 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

  3. 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

  4. 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

  5. Le corps sportif1

    OpenAIRE

    Brulé, Pierre

    2015-01-01

    Le nu et le cuit Si, pas plus que l’Auvergne, le monde grec antique n’a été le théâtre d’un quelconque « miracle », il n’a pas manqué, toutefois, de « distinctions » diverses, d’exceptions même, qui le singularisent absolument. Une, c’est la pédérastie. Quelle culture l’a autant valorisée, autant instrumentalisée, l’a autant érigée en modèle ? Nous n’en avons pas encore mesuré toutes les conséquences. La place inhabituelle que prend là et alors cette polyvalence rare de la libido masculine de...

  6. 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.

  7. 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

  8. Le Bon, Gustave

    DEFF Research Database (Denmark)

    Borch, Christian

    2017-01-01

    Gustave Le Bon (1841–1931) was a French physician and crowd psychologist who published extensively on themes such as crowds, war, race, revolution, socialism, and war. His work on crowd psychology in particular was highly influential, including beyond scholarly circles. Le Bon argued that crowds...

  9. 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.

  10. 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...

  11. 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...

  12. 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.

  13. 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...

  14. 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

  15. Lele des chefs traditionnels au Ghana : un modèle inspirant ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    8 févr. 2011 ... Avec ses partenaires du Sud, avec aussi le soutien du Centre de recherches pour le développement international ( CRDI ), organisme canadien, Ray a étudié lele des chefs traditionnels au Ghana dans la lutte contre le VIH et le sida. Les collectivités politiques antérieures au colonialisme sont une ...

  16. 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

  17. 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.

  18. 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...

  19. 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...

  20. 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.

  1. Le Mouvement Social

    OpenAIRE

    FRIDENSON, Patrick

    2003-01-01

    J'ai la faiblesse d'affirmer que parmi les revues françaises d'histoire Le Mouvement Social est la revue qui a publié le plus d'articles et de comptes rendus en matière d'histoire des femmes et du gender. Chacun peut le vérifier grâce à nos pages Web sur le site Internet du Dictionnaire créé par Jean Maitron. Elles comportent la table des matières complète de la revue depuis sa fondation en 1960. Notre rédaction est extrêmement fière de ce résultat. Mais elle reconnaît qu'il a été difficile à...

  2. 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.

  3. 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.

  4. 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.

  5. Le CRDI en Afghanistan

    International Development Research Centre (IDRC) Digital Library (Canada)

    Depuis près de 40 ans, le CRDI collabore étroitement avec les chercheurs des pays en développement et les appuie dans leur quête de moyens de créer des sociétés en meilleure santé, plus équitables et plus prospères. Centre de recherches pour le développement international. CP 8500, Ottawa (Ontario) Canada K1G ...

  6. Le CRDI au Bhoutan

    International Development Research Centre (IDRC) Digital Library (Canada)

    Il en résulte des solutions locales, novatrices et durables, qui offrent des choix aux personnes qui en ont le plus besoin et font changer les choses. Centre de recherches pour le développement international. CP 8500, Ottawa (Ontario) Canada K1G 3H9. Pour en savoir plus, consulter la page. Web du Bureau régional de ...

  7. Le CRDI au Kenya

    International Development Research Centre (IDRC) Digital Library (Canada)

    afin d'y favoriser la croissance et le développement. Il en résulte des solutions novatrices et durables qui ont pour but d'améliorer les conditions de vie et les moyens de subsistance. Centre de recherches pour le développement international. CP 8500, Ottawa (Ontario) Canada K1G 3H9. Pour en savoir plus, consulter.

  8. Le CRDI en Jordanie

    International Development Research Centre (IDRC) Digital Library (Canada)

    ... dans les pays en développement afin d'y favoriser la croissance et le développement. Il en résulte des solutions novatrices et durables qui ont pour but d'améliorer les conditions de vie et les moyens de subsistance. Centre de recherches pour le développement international. CP 8500, Ottawa (Ontario) Canada K1G 3H9.

  9. Le CRDI au Mali

    International Development Research Centre (IDRC) Digital Library (Canada)

    de ces technologies et tentent de déterminer si un régime de microcrédit pourrait encourager leur adoption. On cherche par cela à accroître la sécurité alimentaire de même que le rendement des cultures de dolique, de sorgho et de mil. □ Menaces pesant sur les moyens de subsistance. Financement octroyé pour le Mali :.

  10. Le faussaire roman

    CERN Document Server

    D'Anna, Gianfranco

    2016-01-01

    À l'aube du XXIe siècle, le monde de la science est sur le point de vivre une révolution. Le jeune physicien allemand Albert Hendrick Thebell, des célèbres laboratoires de recherche B-Labs, à Summit, dans le New Jersey, publie, dans les plus grandes revues scientifiques internationales, une série d'articles dans lesquels il prétend avoir obtenu des résultats extraordinaires qui pourraient révolutionner les bases mêmes de la technologie. Rapidement, la communauté scientifique puis les médias saluent en lui un futur prix Nobel; on compare même son génie à celui d'Albert Einstein. Le progrès scientifique semble avoir franchi une étape décisive, susceptible d'amener un futur meilleur. Mais ces découvertes sont-elles authentiques ? Car pendant ce temps, dans les mêmeslaboratoires, des voix s'élèvent pour contester non seulement les théories de Thebell mais aussi la légitimité même de ses expériences ; certains le soupçonnent d'avoir combiné la plus grande fraude scientifique de tous l...

  11. Tumelo le Moruo

    Directory of Open Access Journals (Sweden)

    Vuyani S. Vellem

    2015-03-01

    Full Text Available Paleng ya rona batho ba batsho, tumelo ya boKreste e fihlile lefatsheng la rona la Afrika Borwa mmoho le dikgoka tsa ditjhaba tsa boPhirima. BoKreste bo fihlile ka nako ya dintwa tseo mohopolo wa tsona e neng e le ho hapa lefatshe la, batho ba batsho. Ka mantswe amang, rona batho ba batsho, re ile ra qetella re le setjhaba se ileng sa hlolwa, mme lefatshe la rona la nkuwa ka dikgoka. Ka hare ho dikgoka tsena, ho ne ho dutse tumelo ya boKreste. Makgowa a ile are: �A re kwaleng mahlo re rapeleng, rona ra kwala mahlo, mme ha re qeta hore Amen, re bula mahlo, ra fumana lefatshe le nkuwe matsohong a rona ho setse Bibele.� Re ile ra sala le Bibele eo ka yona re lekileng dilemong tse fitileng ho lwana ntwa ya topollo, kapa tokoloho hofihlela selemong sa 1994. Le ha re ile ra fumana tokoloho ka selemo seo, hare so ka re lokoloha ho tsa moruo. E kaba sena se bolela eng mabapi le tumelo ya rona ya boKreste? Segolweng sena re leka ho araba potso ena. Tumelo ke eng ho batho ba sa lokolohang moruong wa naha ya bona? Re lekola pale ya boKreste, tumelo ya batho le maemo a kereke ntlheng ya ho tadimana le tokoloho ka tumelo.Faith and economics. In our history from a black perspective, Christianity arrived through violent conquest from the west. Evidentially, this faith coincided with wars of dispossession and the ultimate defeat of black Africans. It is difficult to separate the violent defeat of black Africans from the arrival of Christian faith. This well-known statement within the circles of black Theology of liberation: When the white man arrived in our land he said, �let us pray and after prayer, when we opened our eyes, our land was taken and only the Bible was left in our hands,� captures the black sentiment of this history. Ironically, it was this Bible that black Africans used to wage their struggle for liberation up to the demise of apartheid in 1994.Nonetheless, political liberation is not enough as the struggle for economic liberation

  12. Le vernis des apparences

    Directory of Open Access Journals (Sweden)

    Grazia Nicosia

    2010-04-01

    Full Text Available Le but de cet article est de comprendre l’incidence sémiotique du nettoyage d’un tableau ainsi que la résultante cognitive induite sur l’observateur. Cette étude confronte l’analyse des phénomènes visuels engendrés par le jaunissement du vernis et son retrait, à des entretiens réalisés à dessein. Le retrait d’un vernis jauni change considérablement l’image. L’heure, le climat, la saison et l’activité même des personnages s’en trouvent ainsi modifié. La patine peut être perçue, soit comme un obstacle à l’exploration, soit pour ceux qui l’apprécient, comme le medium d’une relation plus intime entre l’œuvre et l’observateur.The purpose of this article is to understand the semiotic impact of the cleaning of a painting and the cognitive effects induced on the observer. This study analyses conjointly the visual phenomenon generated by yellowing varnish and its removal and controlled interviews of observers.The removal of yellowing varnish modifies considerably the perception of the picture. Daytime, climate, season and characters activities are modified. The patina may be perceived either as an obstacle to the painting exploration, or, for those who appreciate it, as a medium for a closer relationship between the painting and the observer.

  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. Storicizzare le teorie psicocritiche

    Directory of Open Access Journals (Sweden)

    Roberto Talamo

    2015-07-01

    Full Text Available Le teorie psicoanalitiche della letteratura, dopo una fase di alterne fortune, sono oggi praticate da una cerchia di adepti sempre più ristretta. Le nuove koinè critico-teoriche tendono infatti a relegare la dottrina freudiana all’interno di un sapere letterario (e non interpretativo o a sostituire ad essa strumenti ritenuti più efficaci nella descrizione della sfera del mentale in letteratura (neuroestetica e neuronarratologia. La proposta storiografica che qui si avanza non vuole prendere parte in questo dibattito pro o contro la psicocritica, ma vuole leggere le proposte di teoria psicoanalitica della letteratura alla luce di una riflessione sul concetto di ibridazione, concetto sul quale queste teorie hanno costruito il loro confronto con i paradigmi teorici di volta in volta egemoni.

  15. 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.

  16. 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...

  17. 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...

  18. 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...

  19. Le vase de Pandore

    Directory of Open Access Journals (Sweden)

    Nicola Panichi

    2000-06-01

    Full Text Available Il s’agit ici de suivre les stratégies discursives par lesquelles Érasme situe sa Lingua sous le patronage symbolique de deux mythes des plus opératoires à la Renaissance : le vase de Pandore et la tour de Babel, tous deux verrouillant le texte, l’un en guise d’incipit, l’autre d’explicit, dans un dialogue où chacun use de l’autre pour renforcer les significations et instaurer le régime sémantique du texte, tant linguistique qu’éthique. Ce sont ces jeux complexes entre différents niveaux de discours dont dépend le sens ultime de l’œuvre que cet article s’attache à saisir.Se trata de seguir aquí las estrategias discursivas mediante las cuales Erasmo sitúa su Lingua bajo el dominio simbólico de dos de los mitos más funcionales del Renacimiento: el vaso de Pandora y la torre de Babel, los cuales limitan el texto, uno a modo de íncipit, otro de excipit, en un diálogo en el que se valen el uno del otro para reforzar los significados y establecer el régimen semántico del texto, tanto lingüístico como ético. Son esos juegos complejos entre diferentes niveles de discurso, de los que depende el sentido último de la obra, que este artículo intenta captar.

  20. 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...

  1. 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

  2. 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.

  3. 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

  4. 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.

  5. 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

  6. 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

  7. 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...

  8. 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

  9. 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

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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

  16. 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.

  17. 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,

  18. 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.

  19. 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

  20. 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...

  1. 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

  2. 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.

  3. 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...

  4. 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.

  5. Le plurilinguisme du perroquet

    Directory of Open Access Journals (Sweden)

    Manuel Mühlbacher

    2012-05-01

    Full Text Available La figure du perroquet occupe une position ambiguë face à la question de la traduction. Il est capable d’imiter des paroles en toutes les langues, mais il n’est capable d’en comprendre aucune — il ne peut que répéter des sons, c’est-à-dire des signifiants. Le traducteur semble faire le contraire quand il passe d’une langue à une autre en tâchant de transmettre une signification semblable par d’autres signes. L’article vise à discuter lele du traducteur et sa relation, éventuellement équivoque, au perroquet, en analysant la traduction allemande de Trois Contes par André Stoll et Cora van Kleffens. Un décalage au niveau sémantique peut éclairer l’interprétation du texte, par exemple en explicitant des allusions sous-jacentes, tandis que le transfert de la syntaxe française en allemand pose souvent des problèmes considérables. Comment le traducteur peut-il reproduire des structures syntaxiques qui n’existent pas en allemand, mais qui ne cessent de revenir dans le texte français ? Que faire si le texte se met à jouer au perroquet et finit par se singer lui-même ? André Stoll et Cora van Kleffens ont su trouver des stratégies pour affronter ces difficultés.The figure of the parrot holds an ambiguous position towards the question of translation. It is able to imitate all languages, but it will never understand any of them – its only skill is to mimic sounds, i.e. mere signifiers. On the contrary, the translator seems to be the antithesis of the parrot when he moves from one language to another. He endeavours to convey a similar meaning, but by different signs. The article aims at discussing the role of the translator and his or her eventually equivocal relation to the parrot by means of analysing the German translation of Trois Contes by André Stoll and Cora van Kleffens. Whereas a semantic divergence can result in a different tendency on the level of interpretation, as in the case of an underlying

  6. Le cru, le cuit et le pourri dans _Le vice-consul_ de Marguerite Duras

    Directory of Open Access Journals (Sweden)

    Hélène Caron

    2011-05-01

    Full Text Available Bien que plusieurs articles critiques aient déjà avancé de nouvelles perspectives sur le texte Le Vice-Consul (LVC de Marguerite Duras, l’analyse de la représentation de la nourriture dans ce roman n’a fait l’objet d’aucune étude. Cet article tente donc de combler cette lacune en proposant d’analyser les images du cru et du cuit, images qui se rejoignent sous les notions du pourri et de l’abject, tout en offrant quelques interprétations de l’un des passages critiques du roman où la folle mendiante croque la tête d’un poisson vivant.

  7. Le charme slave

    Directory of Open Access Journals (Sweden)

    Antonella Mauri

    2012-09-01

    Full Text Available Antonella Mauri analyse l’image des femmes slaves immigrées en Italie telle qu’elle apparaît à travers la publicité, la littérature romanesque (La ballata dei lavavetri de Peter Del monte, Luce Profuga de Valerio Aiolli, Pornokiller de Bruno Ventavoli, le cinéma, la bande dessinée (Danilo Maramotti, image qu’elle oppose aux résultats d’une enquête qu’elle a menée sur le terrain. Elle s’interroge en particulier sur la permanence des stéréotypes liés à la femme slave.

  8. Le Brahmane du Komintern

    Directory of Open Access Journals (Sweden)

    Elizabeth Burgos

    2008-01-01

    Full Text Available Le Brahmane du Komintern, largometraje documental del realizador francés Vladimir León, constituye un ejercicio ejemplar de investigación histórica y  de lograda factura de realización. Y, pese a no haber contado con la ayuda de ninguno organismo público, se trata de un ambicioso proyecto que cubre una amplia extensión geográfica que abarca: Estados Unidos, México, Moscú, Berlín, y la India. Gira en torno a una figura que tuvo en su tiempo su hora de gloria. Un bengalí, hijo de braman, la c...

  9. Le monde quantique

    CERN Document Server

    Aspect, A; Bensaude-Vincent, B; Castiel, A; Chevalley, C; Darrigol, O; Deligeorges, S; D'Espagnat, B; Laloë, F; Lévy-Leblond, J-M; Messiah, A; Paty, M; Vuillemin, J; Wheaton, B R

    1984-01-01

    Le monde quantique La physique quantique, après trois quarts de siècle, n'en finit pas d'être moderne. Elle est présente quotidiennement dans les laboratoires où les physiciens étudient atomes, noyaux et particules. Elle est entrée dans l'industrie où lasers, transistors et supraconducteurs lui doivent d'exister. Et elle continue à alimenter le débat philosophique sur la nature de la réalité dont elle montre la non-séparabilité fondamentale. Ses concepts de base, son développement, ses applications, ses controverses sont ici présentés par une pléiade de physiciens, d'historiens et de philosophes.

  10. Le CRDI au Ghana

    International Development Research Centre (IDRC) Digital Library (Canada)

    pour prévenir le paludisme, des études ayant démontré que leur utilisation pouvait réduire considérablement la mortalité infantile. Les chercheurs ont également suggéré aux gouvernements différents moyens pour inciter les gens à acheter les moustiquaires et à les utiliser correctement. Les TI au service de la démocratie.

  11. Le Culture preistoriche

    OpenAIRE

    Tanda, Giuseppa

    1987-01-01

    Le più antiche manifestazioni della presenza dell'uomo, nella provincia di Sassari (e in Sardegna), risalgono al Quaternario: sono state osservate nel 1979, nel bacino del rio Altana-Anzos, situato nel territorio dei comuni di Laerru e Perfugas. Il presente lavoro propone un excursus dal Paleolitico al Neolitico (antico, medio e recente) fino all'Età del Rame e all'Età del Bronzo (II metà del III millennio-1600 a.C.).

  12. Le CRDI en Chine

    International Development Research Centre (IDRC) Digital Library (Canada)

    les employés du secteur non structuré ont de meilleures conditions de travail. □ les citoyens influencent les décisions relatives aux dépenses publiques. Soutien accordé par le CRDI depuis 1981. 222 activités d'une valeur de 59 millions CAD. Chercheurs et agriculteurs s'emploient à améliorer les moyens de subsistance.

  13. Le CRDI en Tunisie

    International Development Research Centre (IDRC) Digital Library (Canada)

    les citoyens arabes sont plus présents sur Internet. Soutien accordé depuis 1975. 49 activités. 8 millions cad. Dans la foulée du Printemps arabe, les chercheurs conçoivent des réformes visant à assurer l'essor de la démocratie et en examinent la validité. CRDI centre de recherches pour le développement international.

  14. Le Conseil des gouverneurs | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le Conseil des gouverneurs guide le travail du CRDI en lui fournissant une orientation stratégique, en examinant ses activités et en approuvant ses budgets. Les gouverneurs – un maximum de 14 – sont nommés par le gouverneur en conseil du Canada pour un mandat d'au plus quatre ans, qui peut être reconduit. La Loi ...

  15. Le FIVB annonce le financement de cinq autres projets | CRDI ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    10 avr. 2018 ... En partenariat avec la Fondation Bill et Melinda Gates et Affaires mondiales Canada, le CRDI est heureux d'annoncer la prochaine série de projets soutenus par le Fonds d'innovation en matière de vaccins pour le bétail (FIVB). À ce jour, 11 projets ont obtenu un financement total de 13,6 millions de CAD ...

  16. Le nouveau modèle africain | IDRC - International Development ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    22 juil. 2011 ... L'annulation de la dette, un commerce plus équitable, davantage d'aide : voilà le plan d'action mondial dont on convient qu'il faut de toute urgence mettre en oeuvre en vue d'accélérer le développement en Afrique. Or, ce serait rater le bateau que de ne pas s'engager dans la voie tout autre que les ...

  17. Un modello econometrico per il credito bancario alle famiglie in Italia (An econometric model for bank lending to households in Italy

    Directory of Open Access Journals (Sweden)

    Luca Casolaro

    2012-04-01

    Full Text Available Questo lavoro presenta la stima di un modello econometrico per il credito bancario alle famiglie in Italia nel periodo 1984-2003. Il modello si compone di due equazioni: prestiti per l’acquisto di abitazioni e altri prestiti alle famiglie (tipicamente credito al consumo e finanziamenti in conto corrente. Entrambe le equazioni evidenziano uno stretto legame con l’andamento congiunturale dell’economia e il livello dei tassi di interesse reali; i mutui alle famiglie sono influenzati anche dalla dinamica del mercato immobiliare e di quello azionario. Il lavoro verifica l’esistenza di cambiamenti strutturali nelle equazioni in relazione alle trasformazioni intervenute nel mercato del credito nella seconda parte degli anni novanta e scompone il contributo alla crescita del credito alle famiglie tra i diversi fattori.  This paper presents the estimation of an econometric model for bank lending to households in Italy in the period 1984-2003. The model consists of two equations: loans for house purchase and other loans to households (typically consumer credit and loans in the current account. Both equations show a close relationship with the economic trend and the level of real interest rates; household mortgages are also influenced by the dynamics of the housing market and the equity market. The work verifies the existence of structural changes in the equations in relation to the changes occurred in the credit market in the second half of the nineties and breaks down the contribution to growth in lending to households between the different factors.  JEL Codes: D12, G21Keywords: credito bancario, famiglie, prestiti, modello econometrico

  18. Le regard anachronique

    Directory of Open Access Journals (Sweden)

    Jean-Paul Aubert

    2011-01-01

    Full Text Available Cet article a pour objet l’anachronisme dans le film historique. Il s’appuie sur l’étude du long métrage Goya à Bordeaux, réalisé en 1999 par le cinéaste espagnol Carlos Saura. Cette biographie filmée du peintre Francisco de Goya fait mieux que composer avec l’anachronisme inhérent à toute reconstitution historique. Il l’assume et le revendique. La mise en cause de la chronologie et l’effacement de l’Histoire prennent sens dans la perspective d’une réflexion originale sur l’Histoire de l’art conçue comme un dialogue entre les œuvres et entre les époques.Este artículo está dedicado al problema del anacronismo en las películas históricas. Se basa en el estudio de Goya en Burdeos, un largo metraje rodado en 1999 por el director de cine español Carlos Saura. Esta biografía de Goya no sólo se acomoda con el anacronismo propio de la reconstitución histórica sino que lo asume y lo reivindica. El cuestionamiento de la cronología y el desinterés por la Historia cobran un nuevo sentido en el marco de una reflexión original sobre la Historia del arte concebida como un diálogo entre las obras y entre las épocas.

  19. La piraterie sur le web

    CERN Multimedia

    2002-01-01

    Les échanges de toutes sortes sont facilités à l'extrême par le web: des forums, des vidéoconférences, le commerce à distance, ou tout simplement la célérité des courriers électroniques ou la convivialité des chats, tout cela participe de la société de communication. Une certaine partie du monde découvre le nouvel horizon des échanges quasi instantanés, mais... les transactions sur le web sont-elles vraiment s res?

  20. Le commerce du Nord

    OpenAIRE

    Pourchasse, Pierrick; Bouëdec, Gérard Le

    2015-01-01

    Au XVIIIe siècle, la France s'approvisionne abondamment dans les pays du Nord : bois, chanvre et goudron de la Baltique, tonnellerie de Poméranie, pêche de rogue de Norvège, graines de lin de Courlande, barres de fer suédois… Sa balance commerciale est pourtant positive grâce aux sels, aux vins et surtout des nouvelles marchandises coloniales. Or, la plupart des transactions passent par l’incontournable intermédiaire hollandais. Les explications sur l’absence des Français dans le Nord sont re...

  1. Le survivant sans le syndrome Schreber

    Directory of Open Access Journals (Sweden)

    Richard Figuier

    2006-09-01

    Full Text Available On a pensé la catastrophe, mais a-t-on suffisamment pensé la survivance et la figure du survivant ? Ce n'est pas un hasard si celle-ci est au centre de Masse et puissance, oeuvre dans laquelle Canetti interroge la « mauvaise » survivance responsable de la poursuite de la logique de guerre. Mais où trouver la « bonne » ? Revenir de la catastrophe ne suffit pas pour être un « survivant authentique », selon l'expression de Kafka. Il faut avoir dépassé, avec Primo Levi et Robert Antelme, l'opposition de la vie comme croissance continue et de la mort comme son horrible contraire, par le don, dans la pauvreté solidaire, de cette vie retrouvée.Hemos reflexionado acerca de la catástrofe, pero ¿hemos meditado lo suficiente sobre la supervivencia y el superviviente? No es una coincidencia si el superviviente es el tema principal de Masse et puissance, obra en la cual Canetti analiza la «mala» supervivencia responsable de la persistencia de la lógica de guerra ¿Dónde sin embargo podemos encontrar la «buena» supervivencia? Superar la catástrofe no es suficiente para ser un «auténtico superviviente», según Kafka. Es fundamental ir más allá, con Primo Levi y Robert Antelme, de la oposición entre la vida, como crecimiento continuo, y la muerte, como su espantoso contrario, mediante la donación de forma solidaria de esta vida reencontrada.Disaster is the theme of many studies, but what about survival and of the figure of the survivor? This issue is central in Mass and power, work in which Canetti questions the “bad” survival, responsible for the continuation of the logic of war. But is there any “good” survival? Coming back from the catastrophe is not enough to be an “authentic survivor”, according to Kafka’s expression. To achieve this, it is necessary to have exceeded, with PrimoLevi and Robert Antelme, the opposition of life as a continuous growth and of death as its horrible opposite, by the gift, in a

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. Le Conseil des gouverneurs | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    2 nov. 2010 ... La gouvernance du CRDI. Reddition de comptes, transparence et efficacité. Au cours de l'exercice 2009–2010, le Conseil des gouverneurs du CRDI a adopté un nouveau cadre stratégique quinquennal, Le développement par l'innovation. Pendant de nombreux mois, les gouverneurs et les membres de la ...

  7. 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...

  8. 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...

  9. 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

  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. 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...

  12. 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...

  13. 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...

  14. 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.

  15. Le tournoi des ombres

    CERN Document Server

    Treille, Daniel

    2017-01-01

    Le lecteur, transporté avec le narrateur dans une région hors norme, est invité à partager sa fascination pour la beauté du lieu, à découvrir la chronique de son passé, rude et pittoresque. Il va côtoyer une galerie de personnages très attachants, mais aux destinées bousculées par l histoire, et assister à l agitation montante du présent dans un contexte d une actualité brûlante. Ce quatrième roman de Daniel Treille, mêlant hardiment les genres, du quotidien trivial au récit épique, de considérations géopolitiques à quelques avancées de la science moderne, confirme son talent à mener, d une écriture très aboutie, une histoire complexe, peuplée de héros singuliers

  16. Le Dominique Interactif

    Directory of Open Access Journals (Sweden)

    Valérie Ouellette

    2005-09-01

    Full Text Available Cet article présente le Dominique Interactif, une bande dessinée interactive et multimédia unique, servant à évaluer sept troubles de la santé mentale chez les jeunes. La version pour les six à onze ans est adaptée aux limites cognitives des enfants et comporte plusieurs avantages. Malgré quelques limites, cet instrument permet d’obtenir des informations fiables de la part de l’enfant sur sa santé mentale. La fidélité et la validité de cet outil sont meilleures que celles des autres instruments traditionnels servant à mesurer la santé mentale des enfants. En combinant les résultats de ce questionnaire avec les informations des parents, professionnels et enseignants, le Dominique Interactif permet aussi d’effectuer une évaluation complète de la santé mentale de l’enfant. Enfin, son utilisation simple et rapide facilite l’évaluation clinique des enfants par les professionnels, permet l’évaluation de programmes d’intervention et favorise l’intervention précoce (Valla et al., 2000.

  17. Le principe roman

    CERN Document Server

    Ferrari, Jérôme

    2015-01-01

    Fasciné par la figure du physicien allemand Werner Heisenberg (1901-1976), fondateur de la mécanique quantique, inventeur du célèbre "principe d'incertitude" et Prix Nobel de physique en 1932, un jeune aspirant-philosophe désenchanté s'efforce, à l'aube du XXIe siècle, de considérer l'incomplétude de sa propre existence à l'aune des travaux et de la destinée de cet exceptionnel homme de sciences qui incarne pour lui la rencontre du langage scientifique et de la poésie, lesquels, chacun à leur manière, en ouvrant la voie au scandale de l'inédit, dessillent les yeux sur le monde pour en révéler la mystérieuse beauté que ne cessent de confisquer le matérialisme à l'œuvre dans l'Histoire des hommes.

  18. 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.

  19. 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.

  20. 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

  1. 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.

  2. 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.

  3. 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...

  4. Equazioni: le icone del sapere

    NARCIS (Netherlands)

    Bais, S.

    2009-01-01

    Il mistero del cosmo è scritto nel linguaggio della matematica, e le equazioni sono le frasi che ne esprimono la bellezza e la profondità. Cercare di spiegare la scienza senza equazioni è come cercare di spiegare l’arte senza illustrazioni: partendo da questo presupposto, Sander Bais presenta una

  5. Le cerveau sous effet placebo

    OpenAIRE

    Touzet , Claude

    2017-01-01

    International audience; Comment le fait de croire qu’on nous injecte de la morphine (alors qu’il s’agit de sérum physiologique) peut-il faire disparaître la douleur ? Investigation sur le cerveau sous placebo.

  6. Le Baratze (ou

    Directory of Open Access Journals (Sweden)

    Jacques Blot

    1998-01-01

    Full Text Available El círculo de piedras Mendizabal 7, de 8 metros de diámetro,   presenta una corona externa constituida de grandes bloques   hincados en la tierra, y otra interna y tangente, de elementos idénticos sólo puestos en el suelo. El cajón central está compuesto de cuatro losas y una tapa. No hay depósito de huesos ni de carbón de leña ; sólo se encuentran dos herraduras, entre las cuales una completa de tipo medieval, que podrían permitir de pensar en una construcción del círculo en el periodo histórico.

  7. Le tourisme alpin

    Directory of Open Access Journals (Sweden)

    Andrea Macchiavelli

    2009-06-01

    Full Text Available La forte croissance qu’ont connue les pays alpins dans les dernières décennies a surtout été fondée sur l’offre des activités du ski, avec comme conséquence, un massif développement immobilier, la multiplication d’infrastructures et l’extension des domaines. Aujourd’hui, le marché du ski semble arriver à saturation, la Convention alpine a mis un frein à la poursuite du développement des domaines skiables et on observe donc avec intérêt la diversification de l’offre soutenue par l’innovation. Après avoir rappelé les facteurs de changement en cours les plus significatifs dans le tourisme montagnard, l’article présente une grille interprétative de l’évolution des destinations touristiques alpines, identifiant les phases qui ont caractérisé son développement. Puis il propose une réflexion sur certaines conditions qui peuvent favoriser l’innovation dans le tourisme alpin, ainsi que sur les contradictions qui les accompagnent souvent. Dans la plupart des cas l’innovation est le résultat d’un processus qui a été lancé et qui s’est développé au sein de la communauté alpine, souvent favorisé et soutenu par des institutions nationales et internationales, et grâce auquel les difficultés structurelles qui ont déjà été abordées précédemment ont pu être surmontées avec succès.The spectacular increase in tourism in the Alps in recent decades has been founded mainly on the boom in skiing, resulting in both strong real estate development and an increasing array of infrastructures and ski runs. Today the ski market seems to have virtually reached saturation point and the winter sports sector needs to diversify its offer through innovation. After a review of the main factors of change in mountain tourism, the paper presents a grid for interpreting the life cycle of alpine destinations, identifying the phases that characterize their evolution. The conditions that may favour innovation in alpine

  8. Le citoyen rieur

    Directory of Open Access Journals (Sweden)

    Anna Rycman

    2009-11-01

    Full Text Available Dans la Pologne d’aujourd’hui, l’évolution des modèles d’engagement civique et politique s’opère plus particulièrement auprès des jeunes générations. Parmi les expériences nouvelles de participation politique, les nouvelles technologies de l’information et de la communication offrent des opportunités radicales de reconfigurer l’espace public. La jeunesse polonaise investit en masse le Web. Dans le flux de paroles affranchies circulant et dialoguant dans le cyberespace, nous nous intéressons ici au développement d’un discours qui emprunte au registre de la dérision et de la satire politiques. Une multitude de sites critiques, de nature apparemment contestataire, des sites d’opposition fondés sur le genre satirique, ont émergé comme réponse apportée à la situation politique. Cet espace public électronique représente une forme moderne de « folklore politique », contribuant au processus de socialisation des jeunes citoyens polonais.The laughing citizen. A modern form of civic commitment in democratic Poland?In present day Poland, the evolution of civic and political commitment models is above all the affaire of the younger generations. Among the current opportunities for political participation, the new information and communication technologies offer radical opportunities to reconfigure the public arena. Polish youth are flocking to the Web. Amongst the flux of frank points of views circulating and dialoguing in cyberspace, our interest here is the development of a discourse inspired by political and satirical derision. A multitude of critical, apparently anti-establishment, sites and general opposition sites using the satirical style have emerged as a response to the political situation. This public electronic space represents a modern form of « political folklore », contributing to the socialising processes of young polish citizens.El ciudadano que rie. ¿Nueva forma del compromiso cívico en la

  9. Le grand inventaire

    Directory of Open Access Journals (Sweden)

    Michel Melot

    2012-05-01

    Full Text Available Depuis quarante ans qu’il existe, l’Inventaire général des monuments et des richesses artistiques de la France n’a pas seulement progressé, couvrant près de dix mille communes, documentant plus de vingt mille dans cinq millions de pages, trois millions de photographies, et cent mille dessins. Il est devenu ce que ses fondateurs désiraient qu’il fût. Il n’est pas une liste d’objets plus ou moins singuliers qu’on aurait oubliés, mais l’observation méthodique de l’émergence dans le monde de l’ar...

  10. INVESTIR DANS LE SAVOIR : le soutien que le CRDI consent à des ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    5 nov. 2010 ... ... 40 ans, le Cenre de recherches pour le développement international (CRDI), en plus d'appuyer des travaux de recherche dans l'ensemble des pays en développement, encourage des générations successives de jeunes chercheurs par l'entremise de son Programme de formation et de bourses (PFB).

  11. 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.

  12. 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.

  13. 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 ...

  14. Dans le tourbillon des particules

    CERN Document Server

    Zito, Marco

    2015-01-01

    Accélérateurs géants, détecteurs complexes, particules énigmatiques... La physique subatomique peut sembler bien intimidante pour le novice. Et pourtant, qui n a jamais entendu parler du boson de Higgs et du CERN, le laboratoire européen où il a été découvert en 2012 ? Nul besoin d être un spécialiste pour comprendre de quoi il s agit. Aujourd hui, une théorie extraordinairement élégante, le Modèle Standard, décrit tous les résultats des expériences dans le domaine. Trente-sept particules élémentaires et quatre forces fondamentales : c est tout ce dont nous avons besoin pour expliquer la matière et l Univers ! Ce livre, destiné à un large public, raconte sans équations le long parcours qui a abouti au Modèle Standard. Ce parcours, parfois sinueux, a été entamé lorsque les Grecs anciens, et peut-être d autres avant eux, ont imaginé que la matière est composée de petites « billes ». Il faudra attendre plusieurs siècles pour qu on réalise que la matière, à l échelle micros...

  15. Le FIVB annonce le financement de huit autres projets | CRDI ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    5 avr. 2018 ... Découvrez les derniers récents projets soutenus par le Fonds d'innovation en matière de vaccins pour le bétail : Maladie de Newcastle · Pleuropneumonie contagieuse caprine – cowdriose · Plateforme de modification génétique CRISPR/cas9 · Entérotoxémie, la bactérie Pasteurella et la fièvre de la vallée ...

  16. 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.

  17. 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.

  18. 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.

  19. 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

  20. 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,...

  1. Expression Study of LeGAPDH, LeACO1, LeACS1A, and LeACS2 in Tomato Fruit (Solanum lycopersicum

    Directory of Open Access Journals (Sweden)

    Pijar Riza Anugerah

    2015-10-01

    Full Text Available Tomato is a climacteric fruit, which is characterized by ripening-related increase of respiration and elevated ethylene synthesis. Ethylene is the key hormone in ripening process of climacteric fruits. The objective of this research is to study the expression of three ethylene synthesis genes: LeACO1, LeACS1A, LeACS2, and a housekeeping gene LeGAPDH in ripening tomato fruit. Specific primers have been designed to amplify complementary DNA fragment of LeGAPDH (143 bp, LeACO1 (240 bp, LeACS1A (169 bp, and LeACS2 (148 bp using polymerase chain reaction. Nucleotide BLAST results of the complementary DNA fragments show high similarity with LeGAPDH (NM_001247874.1, LeACO1 (NM_001247095.1, LeACS1A (NM_001246993.1, LeACS2 (NM_001247249.1, respectively. Expression study showed that LeACO1, LeACS1A, LeACS2, and LeGAPDH genes were expressed in ripening tomato fruit. Isolation methods, reference sequences, and primers used in this study can be used in future experiments to study expression of genes responsible for ethylene synthesis using quantitative polymerase chain reaction and to design better strategy for controlling fruit ripening in agroindustry.

  2. Le Valais et ses Reines

    Directory of Open Access Journals (Sweden)

    Alberto Campi

    2012-06-01

    Full Text Available Combat de ReinesAu premier plan (la corde dans la main, un propriétaire de vaches. Dans l'arène se trouve le rabatteur. Les Reines sur la photo sont des reines de première catégorie (ainsi que le montre le « I » sur leur cuisse .Dimanche 6 mai 2012, « Schakira », la vache numéro 42, a gagné, non sans polémique, le titre de Reine. Elle peut donc être considérée comme la Reine des Reines, titre qu’elle a gagné en se battant contre ses rivales dans différents combats, qui ont commencé pour Sch...

  3. Le bal du loup

    CERN Multimedia

    Happy Children's Home

    2013-01-01

    The Bord'eau amateur theatre group will graciously perform a play of their creation Le bal du loup Saturday 19 October 2013 at 20:00 Sunday 20 October at 17:00 in the Théâtre des Grottes Rue Louis Favre 43, 1201 Genève Children from age 12 upwards. Summary: The new-elected mayoress of a small village would like to clean up the town by prohibiting alcohol and getting rid of its prostitutes. Then along comes « Massimo Lupo » the pimp... The performances will be given to support the Happy Children's Home charity, which runs a foster-home in Pokhara for Nepali children:  http://www.happychildrenshome.org/ Admission : minimum charge of 10 CHF per person requested, to cover the cost of technical assistance and theatre rental. Any profit will be used solely for the foster-home. At the end of each performance members of the HCH charity will be happy to answer any questions you may have. The theatre has 86 seats, thank you for reserv...

  4. Un oiseau "sabote" le CERN

    CERN Multimedia

    Colson, Sébastien

    2009-01-01

    Un oiseau, un simple oiseau, est parvenu à bloquer à lui tout seul l'accélérateur à particules à 3,7 milliards d'euros. UNe histoire quasiment bulresque qui a toutefois impacté le fonctionnement de la machine durant près de cinq jours, puisque c'est le système de refroidissement qui a été affecté. (1 page)

  5. Le CRDI dans les Philippines

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le CRDI appuie la recherche dans les. Philippines depuis 1972. Le travail qu'y ont accompli des universités et des instituts de recherche vigoureux et la participation active de la société civile ont entraîné d'importantes améliorations dans les domaines de l'agriculture, du suivi de la pauvreté et de la gestion des forêts.

  6. Le modèle spatial de la capitale allemande

    Directory of Open Access Journals (Sweden)

    Antoine Laporte

    2013-06-01

    Full Text Available En Allemagne, en 1999, le Chancelier fédéral et son gouvernement ont quitté Bonn pour Berlin. Ce transfert du pouvoir est accompagné de celui d’une grande partie de l’appareil d’État et de la haute administration, et des fonctions qui leur sont traditionnellement attribuées comme la presse, les lobbys ou encore la diplomatie. Le déplacement du statut de capitale effective de l’Allemagne de Bonn à Berlin est le résultat des évolutions géopolitiques d’un pays ayant recouvré son unité et sa pleine et entière souveraineté. Installer le pouvoir exécutif et législatif à Berlin était une démarche hautement symbolique, visant à normaliser la position de l’ancienne capitale de la RDA et du IIIe Reich comme véritable centre politique de l’Allemagne. Or le déplacement des institutions fédérales n’est pas qu’un acte symbolique. Il entraîne également à l’échelle intra-urbaine des dynamiques très concrètes sur le tissu urbain et participe à la mise en place de nouvelles centralités dans la ville. En effet, le statut de capitale d’État prédestine l’agglomération à la coprésence de nombreuses fonctions urbaines spécifiques plus ou moins directement liées à l’exercice ou à la symbolique du pouvoir.

  7. Le livre sur le livre traité de documentation

    CERN Document Server

    Otlet, Paul

    2015-01-01

    Paul Otlet est considéré comme le père des sciences de l'information. Ouvrage fondateur et fondamental, le Traité de documentation. Le livre sur le livre (1934) est l'aboutissement de son travail inlassable pour rassembler, classer et partager les connaissances. Otlet y propose une remarquable synthèse du savoir sur le livre et le document en même temps qu'il anticipe Internet et l'hypertexte. La réédition du Traité de documentation, 70 ans après la disparition de son auteur, coïncide avec la réouverture du Mundaneum à Mons, où le fabuleux héritage documentaire légué par Paul Otlet et Henri La Fontaine est conservé. « Ici, la table de travail n'est plus chargée d'aucun livre. À leur place se dresse un écran et à portée un téléphone. Là-bas, au loin, dans un édifice immense, sont tous les livres et tous les renseignements. De là, on fait apparaître sur l'écran la page à lire pour connaître la réponse aux questions posées par téléphone. » Préfaces de Benoît Peeters (éc...

  8. 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.

  9. 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.

  10. Lele des chefs traditionnels au Ghana : un modèle inspirant ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    8 févr. 2011 ... Ray est également coordonnateur international du Traditional Authority ... Marketing social : le chef traditionnel acquiert une certaine expertise et ... Nadine Robitaille est rédactrice à la Division des communications du CRDI .

  11. Le nouveau modèle africain | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    22 juil. 2011 ... Or, ce serait rater le bateau que de ne pas s'engager dans la voie tout autre que les Africains proposent maintenant — à savoir se défaire du syndrome de la dépendance qui afflige l'Afrique depuis des décennies. Le Canada et les autres pays riches du Nord reconnaissent généralement qu'ils ne peuvent ...

  12. Lele des intervenants non gouvernementaux dans le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Ce projet servira à déterminer les facteurs stratégiques et réglementaires qui ont contribué ou nui aux efforts visant à permettre aux fournisseurs non gouvernementaux de participer au renforcement des systèmes de santé. Lele des fournisseurs de ... Climate Change and Water Adaptation Options. The impacts of climate ...

  13. Le dualisme Chipaya

    Directory of Open Access Journals (Sweden)

    1974-01-01

    Full Text Available L’auteur, partant des observations de Métraux sur Chipaya, apporte des idées neuves sur les ayllu constituant le village, basées sur une enquête approfondie et un plan détaillé du village : deux divisions principales apparaissent, celles-ci se divisant a leur tour en quatre ayllu. La chute brutale de la démographie depuis la seconde moitié du XVIe siècle a fait disparaître les 4 ayllu originels mais l’examen des archives permet d’observer un très vigoureux redressement démographique à partir des derniers 150 ans. Ce redressement démographique semble précipiter un nouvel éclatement de la communauté chipaya. El autor partiendo de las observaciones de Métraux sobre Chipaya, aporta sobre los ayllu que constituían el pueblo, basadas en una encuesta profunda y un plano detallado del pueblo: aparecen dos divisiones principales, dividiéndose éstas a su vez en cuatro ayllu. La caída brutal de la demografía desde la segunda mitad del siglo XVI ha hecho desaparecer los 4 ayllu primitivos pero el examen de los archivos permite observar un resurgimiento vigoroso a partir de los últimos 150 años. Este resurgimiento demográfico parece precipitar una nueva explosión de la comunidad chipaya.

  14. Le pompage optique naturel dans le milieu astrophysique

    Science.gov (United States)

    Pecker, J.-C.

    The title of this lecture abstracts only a part of it : the importance in astrophysics of the study of non-LTE situations has become considerable, as well in the stellar atmospheres as, still more, in the study of fortuitous coincidences as a mechanism of formation of emission line nebular spectra, or of molecular interstellar « masers ». Another part of this talk underlines the role of Kastler in his time, and describes his warm personality through his public reactions in front of the nuclear armement, of the Viet-Nam and Algerian wars, of the problems of political refugees... Kastler was a great scientist ; he was also a courageous humanist. 1976 : Les accords nucléaires du Brésil : allocution d'ouverture (19 mars). Colloque sur le sujet ci-dessus. 1976 : La promotion de la culture dans le nouvel ordre économique international, allocution à l'occasion d'une table ronde sur ce thème par l'UNESCO (23-27 juin 1976) ; « Sciences et Techniques », octobre 1976. 1979 : La bête immonde (avec J.-C. Pecker), « Le Matin », 20 mars. 1979 : Appel à nos ministres (avec J.-C. Pecker), « Le Monde », 13 décembre. 1979 : Le flou, le ténébreux, l'irrationnel (avec J.-C. Pecker), « Le Monde », 14 septembre. 1980 : Education à la paix, Préface, in : Publ. UNESCO. 1981 : Le vrai danger, « Le Monde », 6 août 1981. 1982 : Nucléaire civil et militaire, « Le Monde », 1er juin 1982. 1982 : Les scientifiques face à la perspective d'holocauste nucléaire (texte inédit). Le titre de cette communication en résume seulement une partie : l'importance prise en astrophysique par l'analyse des situations hors ETL est devenue considérable, qu'il s'agisse des atmosphères stellaires, ou plus encore, des coïncidences fortuites de la formation des spectres d'émission nébulaires, ou des « masers » moléculaires interstellaires. Une autre partie de cet exposé souligne lele de Kastler dans son époque, et décrit sa personnalité généreuse à travers ses r

  15. Hyperloop : le droit et le devoir de douter...

    OpenAIRE

    Crozet , Yves

    2016-01-01

    National audience; C’est comme si c’était fait ! Les journaux les plus sérieux (Les Echos) nous annoncent que le premier test du prototype Hyperloop dans le désert du Nevada est un succès. Le projet futuriste d’Elon Musk se concrétise. Un véhicule terrestre de transport collectif va bientôt se déplacer à plus de 1000 km/h entre San Francisco et Los Angeles. Comme pour donner du crédit à cette information, la SNCF, via sa filiale SYSTRA va devenir partenaire du projet. Déjà les journaux de Pro...

  16. Los Dioramas de Le Corbusier = Le Corbusier's Dioramas

    Directory of Open Access Journals (Sweden)

    José Ramón Alonso Pereira

    2013-10-01

    Full Text Available ResumenLe Corbusier simboliza el urbanismo moderno racional, cuyo esfuerzo riguroso de planificación exige un esfuerzo paralelo de comprensión. Se opone a ese urbanismo contemporáneo que quiere percibir y disfrutar la ciudad sensiblemente. Sentimiento y razón, sin embargo, no son opuestos y Le Corbusier nos dio en su momento las claves para intentar una síntesis, uniéndolos de modo singular por medio de sus ‘boîte à miracles’ o ‘cajas mágicas’: esos "espectáculos arquitectónicos de síntesis" que definiría en el Ciam de 1951. Pretendemos aproximarnos aquí a la primera de esos ‘espectáculos’: el ‘diorama’, viéndolo como estrategia corbuseriana de mediación entre lo racional y lo sensible en la ciudad moderna y contemporánea.Palabras claveLe Corbusier, diorama, Ville Contemporaine, Plan Voisin, Plan MaciáAbstractLe Corbusier symbolizes the modern rational urbanism, whose rigorous effort of town planning demands a parallel effort of comprehension. It opposes to these contemporary urbanism that wish to perceive and to enjoy cities in a sensible way. Nevertheless, sentiment and reason are not adverses and Le Corbusier gives us at his  moment keys to intent a synthesis, joined them in a singular way by means of his ‘boîtes à miracles’ or ‘magic boxes’: those "architectural spectacles of synthesis" that he defined in 1951 Ciam. Here we try to approach to the first of those ‘spectacles’: the ‘diorama’, considering it as a corbusean strategy of mediation between rational and sensible in modern and contemporary city.Key wordsLe Corbusier, diorama, Ville Contemporaine, Plan Voisin, Plan Maciá.

  17. Le LHC, un tunnel cosmique

    CERN Multimedia

    CERN. Geneva

    2009-01-01

    Et si la lumière au bout du tunnel du LHC était cosmique ? En d’autres termes, qu’est-ce que le LHC peut nous apporter dans la connaissance de l’Univers ? Car la montée en énergie des accélérateurs de particules nous permet de mieux appréhender l’univers primordial, chaud et dense. Mais dans quel sens dit-on que le LHC reproduit des conditions proches du Big bang ? Quelles informations nous apporte-t-il sur le contenu de l’Univers ? La matière noire est-elle détectable au LHC ? L’énergie noire ? Pourquoi l’antimatière accumulée au CERN est-elle si rare dans l’Univers ? Et si le CERN a bâti sa réputation sur l’exploration des forces faibles et fortes qui opèrent au sein des atomes et de leurs noyaux, est-ce que le LHC peut nous apporter des informations sur la force gravitationnelle qui gouverne l’évolution cosmique ? Depuis une trentaine d’années, notre compréhension de l’univers dans ses plus grandes dimensions et l’appréhension de son comportement aux plus peti...

  18. Le paludisme, le tsunami silencieux d'Afrique | IDRC - International ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    12 janv. 2011 ... Dans un élan de compassion fort justifié, le monde s'est porté au secours des victimes du tsunami qui a touché récemment la région de l'océan Indien. Mais il ignore qu'un « tsunami silencieux », le paludisme, s'abat sans cesse sur l'Afrique et y fait chaque année plus de 1,5 million de victimes, surtout de ...

  19. Le CERN et les Institutions

    CERN Document Server

    Barbalat, Oscar

    1996-01-01

    Une première partie de l'exposéŽ sera consacrée àˆ une brève description des principaux organes de l'Union EuropéŽennne: Conseil, Parlement et Commission ainsi que la structure de la Commission. On passera ensuite en revue le Programme-Cadre de Recherche et DéŽveloppement Technologique et les principaux programmes spéŽcifiques auxquels participe le CERN (ESPRIT, ACTS, TMR) On situera ensuite les autres organisations et initiatives scientifiques européŽennes (ESA, ESO, ESRF, JET, ISTC, EUREKA, ...) pour terminer par une brève revue des relations entre le CERN avec ces difféŽrentes institutions en déŽveloppant plus particulièrement celles avec la Commission.

  20. La preuve par le nombre

    Directory of Open Access Journals (Sweden)

    Hélène Verdier

    2012-04-01

    Full Text Available S’il en était besoin, la question des usages et de la finalité des résultats de l’inventaire général pourrait être abordée par le nombre : nombre d’œuvres répertoriées, de communes inventoriées, de clichés photographiques réalisés, de dossiers, de consultations des notices dans les bases de données… Les additions aujourd’hui sont éloquentes, mais elles laissent dans l’ombre lele de l’inventaire qui, en mettant en œuvre une démarche systématique de connaissance, participe à l’ identificatio...

  1. Le Corbusier’s Dioramas

    Directory of Open Access Journals (Sweden)

    José Ramón Alonso Pereira

    2013-10-01

    Full Text Available AbstractLe Corbusier symbolizes the modern rational urbanism, whose rigorous effort of town planning demands a parallel effort of comprehension. It opposes to these contemporary urbanism that wish to perceive and to enjoy cities in a sensible way. Nevertheless, sentiment and reason are not adverses and Le Corbusier gives us at his  moment keys to intent a synthesis, joined them in a singular way by means of his ‘boîtes à miracles’ or ‘magic boxes’: those "architectural spectacles of synthesis" that he defined in 1951 Ciam. Here we try to approach to the first of those ‘spectacles’: the ‘diorama’, considering it as a corbusean strategy of mediation between rational and sensible in modern and contemporary city.Key wordsLe Corbusier, diorama, Ville Contemporaine, Plan Voisin, Plan Maciá

  2. Le bord de la solitude

    Directory of Open Access Journals (Sweden)

    Jean-Paul Galibert

    2010-04-01

    Full Text Available La solitude a un bord, et non un seuil, parce que sinon, ce ne serait pas la solitude. Car le seuil a ceci de merveilleux qu’il sépare un dedans et un dehors, en sorte qu’il reste franchissable, et que l’on peut toujours sortir, et rentrer à sa guise. De ce fait, où que soient les autres, le seuil garantit donc que je pourrais les rejoindre, et me délasser, en changeant de lieu, des inconvénients croisés de l’intérieur et de l’extérieur. Dans le seuil, la métaphore implicite de la maison nous...

  3. 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.

  4. 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.

  5. 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 ...

  6. 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.

  7. Le front oriental de Lille

    Directory of Open Access Journals (Sweden)

    Étienne Poncelet

    2011-06-01

    Full Text Available De la porte d’eau de la Basse Deûle jusqu’au fort Saint-Sauveur, le front oriental de Lille, fortifié à l’époque espagnole, glisse ses courtines dans les entrelacs du périphérique et des gares. L’enjeu urbain actuel consiste à s’appuyer sur ces murs historiques pour « passer malgré tout » à travers cet écheveau urbain et retisser les fils de la continuité des promenades au cœur de la ville. Moins connus que le front occidental de la reine des citadelles, ces anciens espaces militaires sont une chance pour l’urbanisme de demain dont les opérations en cours de la Porte de Gand et de la Basse Deûle témoignent déjà.The east wall, at Lille, fortified during the period of Spanish occupation, extends from the Porte d'Eau de la Basse-Deûle to the Saint-Sauveur fort. Its curtain walls emerge today in a landscape of ring roads and railway territories. The issue today is to profit from these historic walls in order to make some sense of the urban chaos and to reinstate some urban continuity in the city-centre walkways. Although they are not as well known as the western wall of this major fortified city, these former military properties are an exciting opportunity for tomorrow's town-planners, as the operations already underway at the Porte de Gand et de la Basse Deûle suggest.

  8. 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.

  9. Le chrome en milieu marin

    OpenAIRE

    Chiffoleau, Jean-francois

    1994-01-01

    Le présent document constitue une synthèse des connaissances sur le cycle biogéochimique du chrome. Les sources naturelles et anthropiques sont étudiées, les échanges entre les différents compartiments géochimiques sont évalués, avec une attention particulière portée à la quantification des apports aussi bien des fleuves que de l'atmosphère au milieu marin. Les niveaux de concentration dans ces compartiments sont évalués, et montrent que l'on rencontre dans certaines régions des contamination...

  10. Agir sur le gaspillage alimentaire

    OpenAIRE

    Jan, Sophie; Baron, Florence

    2016-01-01

    On estime aujourd'hui à 25% les pertes d'aliments post-récolte et en aval, en raison de leur altération par des microorganismes. L'étude menée ici illustre le risque d'altération engendré par une rupture dans la chaîne du froid, en prenant comme modèle un aliment liquide pasteurisé et réfrigéré, riche en nutriments et dont la température ne doit pas dépasser 4°C.

  11. Rapport sur le développement dans le monde sur le thème du rôle ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    ... rural et sont tributaires principalement de l'agriculture pour assurer leur subsistance. Ce projet permettra de veiller à ce qu'une place soit accordée aux travaux de recherche financés par le CRDI, aux points de vue différents et aux auteurs de l'hémisphère Sud dans le Rapport sur le développement dans le monde 2008.

  12. Le CRDI en Indonésie

    International Development Research Centre (IDRC) Digital Library (Canada)

    l'État dans l'île de Java. Soutenu par le CRDI, l'institut Lembaga Alam Tropika Indonesia. (ou LATIN) a conçu un modèle de cogestion des forêts qui met à contribution les collec- tivités et le gouvernement dans trois dis- tricts. Ainsi, les agriculteurs disposent d'un meilleur accès aux ressources de la forêt. Évaluation des ...

  13. Le Kenya nomme le titulaire de sa première chaire de recherche

    International Development Research Centre (IDRC) Digital Library (Canada)

    14 avr. 2016 ... De concert avec le CRDI, la National Commission for Science, Technology and Innovation (NACOSTI) du Kenya a inauguré sa première chaire de recherche à Nairobi, le 31 mars 2015. Le professeur Fabian Omoding Esamai, qui dirige actuellement le College of Health Sciences de la Moi University, a été ...

  14. Rapport financier trimestriel pour le trimestre qui a pris fin le 31

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    31 déc. 2015 ... Le CRDI finance des travaux de recherche appliquée ... recherches pour le développement international (CRDI, le Centre) et ..... voie de développement et sur la mise en oeuvre des connaissances scientifiques, techniques et autres en .... Les accords expirent à des dates différentes, et le dernier prend fin.

  15. pour le trimestre qui a pris fin le 30 juin 2015

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    30 juin 2015 ... Le CRDI finance des travaux de recherche appliquée ... recherches pour le développement international (le Centre) et de ..... voie de développement et sur la mise en oeuvre des connaissances scientifiques, techniques et autres en .... Les accords expirent à des dates différentes, et le dernier prend fin en.

  16. pour le trimestre qui a pris fin le 31 décembre 2014

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    31 déc. 2014 ... Le CRDI finance des travaux de recherche appliquée ... recherches pour le développement international (le Centre) et de ...... voie de développement et sur la mise en oeuvre des connaissances scientifiques, techniques et autres en vue .... Les accords expirent à des dates différentes, et le dernier prend fin.

  17. Rapport financier trimestriel pour le trimestre qui a pris fin le 30

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    30 sept. 2015 ... Le CRDI finance des travaux de recherche appliquée ... recherches pour le développement international (le Centre) et de ..... voie de développement et sur la mise en oeuvre des connaissances scientifiques, techniques et autres en .... Les accords expirent à des dates différentes, et le dernier prend fin en.

  18. Lutter contre le paludisme sans DDT

    International Development Research Centre (IDRC) Digital Library (Canada)

    Nancy Minogue

    La participation de la collectivité aux stratégies de contrôle, une surveillance ... Le contrôle de la maladie passe par une meilleure gestion de l'environnement. En vertu de ... de la santé humaine, ou écosanté, est un processus dynamique qui.

  19. Le CERN ouvre ses entrailles au public

    CERN Multimedia

    2004-01-01

    "Le CERN se lance dans une grande opération de relations publiques pour son cinquantième anniversaire. Le centre de recherche organisera une journée portes ouvertes le 16 octobre. Quelque 50 sites pourrant être visités" (1/2 page)

  20. Adjustment of interbank lending in pre- and post-regulation periods: Empirical analysis of Vietnamese commercial banks

    Directory of Open Access Journals (Sweden)

    Ho Thanh Tung

    2017-10-01

    Full Text Available This article aims to analyze the interbank lending adjustment during the period when Vietnamese commercial banks are compliant with some parts of the Basel regulation framework. A pilot regulation period has started in 2011 and full application will be effective by the end of 2018. Partial adjustment models and variance decomposition are used for the analyses. In the analysis of the quarterly released financial statements of Vietnamese commercial banks in the period from 2008/Q1 to 2015/Q4, the empirical evidence showed that throughout the period, lending to non-bank and high liquidity assets contributed to the adjustment in both long run and short run with a negative association. In addition, the loan loss allowance contributed to the adjustment in the post-regulation period only with a positive association. These highly contributing factors also show a potential shock after the adjustment of the interbank lending. The results imply there is a need for interbank lending portfolio report and an efficient control over the IRB of Vietnamese commercial banks.

  1. Shocks to Bank Lending, Risk-Taking, Securitization, and Their Role for U.S. Business Cycle Fluctuations

    NARCIS (Netherlands)

    Peersman, G.; Wagner, W.B.

    2014-01-01

    Abstract: Shocks to bank lending, risk-taking and securitization activities that are orthogonal to real economy and monetary policy innovations account for more than 30 percent of U.S. output variation. The dynamic effects, however, depend on the type of shock. Expansionary securitization shocks

  2. 13 CFR 120.714 - How are grants made to non-lending technical assistance providers (NTAP)?

    Science.gov (United States)

    2010-01-01

    ... entity that is not an Intermediary may apply to SBA for a grant to provide marketing, management and... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How are grants made to non-lending technical assistance providers (NTAP)? 120.714 Section 120.714 Business Credit and Assistance SMALL BUSINESS...

  3. Developing a green lending model for renewable energy project (case study electricity from biogas fuel at Palm Oil Industry)

    Science.gov (United States)

    Sukirman, Y. A.

    2018-03-01

    In the last two decades, development initiatives solely aimed to generate economic growth has been placed under scrutiny, particularly amidst the rampant discussion on the quality decline of the environment, growing social divide and climate change along with its implications thereof. Considerations of the negative impacts brought about by the economic development process prompted the move to adopt the sustainable financing model that gives precedence to economic, environmental and social aspects. We introduced Green Lending Model for Renewable Energy Project (Case Study Electricity From Biogas at Palm Oil Industry) based on sustainability financing, which is used as variable to implementing financial institutions’ lending policies. There are two major trends in the literature relating to sustainability and the banking industry: external and internal practices. The external practices strand analyzes the relevance of sustainability to the bank’s communication with shareholders and other stakeholders, and how investors use it as a measure to help achieve optimal portfolio allocation. The internal practices literature, more relevant to the present work, studies how sustainability criteria are integrated into risk management models and lending practices. Its first implementation is in the Palm Oil industry at South Sumatera. The results explained that sustainability is not related to profit either from a short- or long-term perspective. The Sustainable Green Lending Model is related to the Equator Principles and its application is driven to project financing. It also related with short- and long-term risks and opportunities, instead of short-term sustainability impacts.

  4. LE CORBUSIER: CONCURSOS Y PALACIOS / Le Corbusier: competitions and palaces

    Directory of Open Access Journals (Sweden)

    Fernando Zaparaín Hernández

    2012-11-01

    Full Text Available RESUMEN Cuando Le Corbusier ya había pasado de los cuarenta años se enfrentó a dos concursos internacionales: el Palacio de las Naciones en Ginebra (1926–31 y el Palacio de los Soviets en Moscú (1931–32 con los que intentaba acceder a grandes encargos de estado con mayor escala urbana en los que poner a prueba su ideario moderno sobre arquitectura y urbanismo. En ambos casos estuvo entre los vencedores pero por conveniencia e indecisión, los poderes políticos optaron por soluciones academicistas. Al conocer las decisiones definitivas, Le Corbusier y todos sus contactos del Movimiento Moderno orquestaron diversas polémicas ante los medios de comunicación y los gobernantes por entender que el progreso se veía lastrado por el triunfo de propuestas reaccionarias. Mediante el estudio de la correspondencia con personas particulares como Moser, Giedion, Colly o Stonorov, conservada en la Fundación Le Corbusier, se analizan las relaciones y el tono ideológico en torno a aquellas protestas. En esos textos quedan reflejados los principales rasgos que caracterizan la modernidad como su internacionalización, la seguridad en la propia misión, la defensa de lo nuevo o el método dialéctico. SUMMARY When Le Corbusier had already passed the age of forty he confronted two international competitions: the Palais des Nations in Geneva (1926–1931 and the Palace of the Soviets in Moscow (1931–32, with which he attempted to access large state commissions, with greater urban scale, in which to test his ideas about modern architecture and urbanism. In both cases he was among the winners, but through convenience and indecision the political powers opted for solutions from academicians. Upon knowing the final decisions, Le Corbusier and all his contacts in the Modern Movement orchestrated several controversies with the media, and the people in power, to convey that progress seemed burdened by the triumph of reactionary proposals. The relationships

  5. Le contrôle de gestion des entreprises familiales : un contrôle non-financiarisé ?

    OpenAIRE

    Barbelivien , Dominique

    2016-01-01

    Nous examinons la tendance décrite dans la littérature quant à la financiarisation de la fonction de contrôle de gestion en nous appuyant sur le cas d’une entreprise de taille intermédiaire familiale. Nous constatons que le contrôle de gestion dans le cas étudié correspond à une rationalisation des décisions opérationnelles et développons les raisons qui peuvent expliquer la persistance d’un contrôle de gestion très opérationnel. Le contexte d’entreprise familiale dans laquelle il y a confusi...

  6. Le droit, l'économie et le fondamental

    OpenAIRE

    Gérard Farjat

    2005-01-01

    MAITRE Grégory, préf. MUIR WATT Horatia, La Responsabilité civile à l’épreuve de l’analyse économique du droit, Paris, L.G.D.J., coll. Droit &Économie, 2005,315 p. LE TOURNEAU Philippe, L’Éthique des affaires et du management au XXIe siècle, Paris, Dalloz, Paris, Dunod, 2000,269 p. DELMAS-MARTY Mireille, Le Relatif et l’universel : les forces imaginantes du droit, Paris, Seuil, coll. La Couleur des idées, 2004,440 p. FRISON-ROCHE Marie-Anne, BONFILS Sébastien, Les Grandes Questions du droit é...

  7. 48. Le pavillon Liliane de Stewart

    OpenAIRE

    Cameron, Christina; Déom, Claudine; Valois, Nicole

    2018-01-01

    Le pavillon Liliane de Stewart Le pavillon Liliane de Stewart est situé à l’arrière du pavillon Marguerite-d’Youville, qui lui est mitoyen. Il en constitue en quelque sorte un agrandissement, mais il s’en différencie par son plus petit volume (trois étages). Les deux pavillons partagent quelques caractéristiques architecturales, dont le plan angulaire et le revêtement de brique chamois. Le pavillon Liliane de Stewart se distingue cependant par sa fenestration, surtout celle de la façade avant...

  8. Le cosmos et le lotus confessions d'un astrophysicien

    CERN Document Server

    Trinh, Xuan Thuan

    2011-01-01

    Que nous dit vraiment la science sur la nature de l'univers, sur son origine et son avenir ? Par quel mystère le langage mathématique, pure création de l'esprit humain, se révèle-t-il aussi performant pour nous décrire les phénomènes physiques, de l'infiniment petit à l'infiniment grand ? S'il existe un ordre du monde, ce que nous en disent la physique quantique et la théorie de la relativité est-il compatible avec ce qu'enseigne le bouddhisme ? Et que peut-on en conclure concernant notre propre vie ? A ces questions passionnantes et à beaucoup d'autres, le célèbre astrophysicien Trinh Xuan Thuan répond ici d'une façon personnelle, en s'appuyant sur son expérience. Son itinéraire l'a placé d'emblée à la confluence de trois cultures : issu d'une famille de lettrés vietnamiens imprégnée de traditions bouddhiste et confucéenne, il a reçu une éducation à la française puis une formation scientifique à l'américaine. Une telle richesse de points de vue lui permet d'apporter, non pas de...

  9. Bulletin #109 | CRDI - Le Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    ... offres d'emploi. Appel à propositions de recherche sur les villes résilientes en Amérique latine. Date butoir : 13 juin 2016. Programme de recherche sur le virus Zika Canada-Amérique latine et Caraïbes Date butoir : 12 juillet 2016. POSSIBILITÉS D'EMPLOIS Agent de ressources humaines · Analyste des opérations de TI.

  10. Vaincre le vampire violet | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    26 janv. 2011 ... ... de s'assurer que l'arme fongique découverte par Alan Watson ne se transforme en mercenaire et cause la destruction d'autres espèces végétales, Fusarium oxysporum a été soumis pendant deux ans à une batterie de tests dans les laboratoires hautement sécurisés de McGill, sur le campus Macdonald.

  11. Le futur du travail | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    12 juin 2017 ... Trois hommes qui travaillent sur le projet de livraison de drone au Rwanda. Sarah Farhat / Banque mondiale. La numérisation, l'automatisation et les communications en réseau façonnent de plus en plus les sociétés, les marchés du travail et les occasions d'emploi à l'échelle mondiale. Les changements ...

  12. BEHAVIOR OF FUNDING AND LENDING PRICING OF INDONESIAN BANKS: EVIDENCE FROM AGGREGATE POST CRISIS DATA

    Directory of Open Access Journals (Sweden)

    Soenartomo Soepomo

    2017-03-01

    Full Text Available The study aimed to reveal the behavior of lending and funding pricing (deposit interest rate and loan interestrate of Indonesian banks after the great crisis in 1998. Specifically the research design aimed to uncover theform of interaction (state of equilibrium and factors that might influence the state of equilibrium. We used amodel developed by Niehans (1978 and De Grauwe (1982 as a point of departure to address the researchproblem. There were 12 variables used in a simultanous equation econometric model that would be estimated byusing 4 different techniques namely GMM TS, GMM CS, 3SLS and SUR. Two variables namely price ofdeposit and price of loan were treated as endogenous. We also considered the impact of deposit insuranceadoption that was took place in September 2005.The empirical findings showed that the slopes of DD and LLequation were largely consistent with the hypotheses. The parameters were positive and statistically significant.However the numerical value of LL slope that was greater than the other one and comparable to DD slopehad raised a concern for the stability attainment. The most important variables (based on their magnitude andstatistical significance found to affect the constellation were business prospect, system size, exchange rate,operational cost and profitability. In the second tier of importance, we found that monetary policy instruments(policy rate differential and base money supply, quality of loan, capital and total liquidity affected the systemin various degrees.

  13. Otolith shape lends support to the sensory drive hypothesis in rockfishes.

    Science.gov (United States)

    Tuset, V M; Otero-Ferrer, J L; Gómez-Zurita, J; Venerus, L A; Stransky, C; Imondi, R; Orlov, A M; Ye, Z; Santschi, L; Afanasiev, P K; Zhuang, L; Farré, M; Love, M S; Lombarte, A

    2016-10-01

    The sensory drive hypothesis proposes that environmental factors affect both signalling dynamics and the evolution of signals and receivers. Sound detection and equilibrium in marine fishes are senses dependent on the sagittae otoliths, whose morphological variability appears intrinsically linked to the environment. The aim of this study was to understand if and which environmental factors could be conditioning the evolution of this sensory structure, therefore lending support to the sensory drive hypothesis. Thus, we analysed the otolith shape of 42 rockfish species (Sebastes spp.) to test the potential associations with the phylogeny, biological (age), ecological (feeding habit and depth distribution) and biogeographical factors. The results showed strong differences in the otolith shapes of some species, noticeably influenced by ecological and biogeographical factors. Moreover, otolith shape was clearly conditioned by phylogeny, but with a strong environmental effect, cautioning about the use of this structure for the systematics of rockfishes or other marine fishes. However, our most relevant finding is that the data supported the sensory drive hypothesis as a force promoting the radiation of the genus Sebastes. This hypothesis holds that adaptive divergence in communication has significant influence relative to other life history traits. It has already been established in Sebastes for visual characters and organs; our results showed that it applies to otolith transformations as well (despite the clear influence of feeding and depth), expanding the scope of the hypothesis to other sensory structures. © 2016 European Society For Evolutionary Biology. Journal of Evolutionary Biology © 2016 European Society For Evolutionary Biology.

  14. Short-term lending: Payday loans as risk factors for anxiety, inflammation and poor health.

    Science.gov (United States)

    Sweet, Elizabeth; Kuzawa, Christopher W; McDade, Thomas W

    2018-08-01

    While research now consistently links consumer financial debt with adverse emotional health outcomes, specific forms of debt and their impact on measures of physical health are underexplored. This gap in knowledge is significant because different forms of loans and debt may have different experiential qualities. In this paper, we focus on a type of unsecured debt - short-term/payday loan borrowing - that has risen dramatically in recent decades in the United States and is characterized by predatory, discriminatory, and poorly regulated lending practices. Using data from a study of debt and health among adults in Boston, MA (n=286), we test whether short-term borrowing is associated with a range of emotional and physical health indicators. We find that short-term loans are associated with higher body mass index, waist circumference, C-reactive protein levels, and self-reported symptoms of physical health, sexual health, and anxiety, after controlling for several socio-demographic covariates. We discuss these findings within the contexts of regulatory shortcomings, psychosocial stress, and racial and economic credit disparities. We suggest that within the broader context of financial debt and health, short-term loans should be considered a specific risk to population health.

  15. E-books and interlibrary loan an academic centric model for lending

    CERN Document Server

    Vigen, Jens

    2003-01-01

    Ironically, digitally born documents do not fit into existing frameworks of interlibrary lending. In most cases this is because publishers consider them too easy to exchange. In practice, this means that digital documents are often being printed and scanned before being shipped off to a requesting library. This system of circumvention is inefficient - at many levels - and generates a vast pool of activity from which neither authors nor publishers benefit. With the changing paradigm of document delivery, publishers of electronic journals are trying to get their share of the market by offering articles on a 'pay-as-you-go' basis, though at rates many times greater to what is being offered by document delivery services operated by libraries. Instead of joining forces in the digital era, libraries and publishers are fighting a battle which is sometimes described by librarians as the fight between the Good and the Evil. However, new models are emerging which leave room for both library and publisher in the future ...

  16. Le colonel Rol-Tanguy

    OpenAIRE

    Bourderon, Roger

    2009-01-01

    Ouvrier métallurgiste, syndicaliste et communiste, le futur colonel Rol-Tanguy, né en 1908, se passionne pour le métier des armes lors de son service militaire. Son expérience dans les Brigades internationales est décisive. Il l’enrichit dans les FTP puis comme chef régional FFI : il prépare et conduit l’insurrection parisienne avec un état-major comportant de nombreux cadres de l’armée. Compagnon de la Libération, il se distingue dans la campagne d’Allemagne et est intégré dans l’armée avec ...

  17. Le glaive de la parole

    Directory of Open Access Journals (Sweden)

    Luce Marchal-Albert

    2006-09-01

    Full Text Available Chacun sait, selon le mot de Pierre Viret, « en quelle confusion est la Chrestienté » au xvie siècle en Europe. C’est le deuxième quart du siècle qui nous intéressera ici, et en particulier l’année 1545, qui constitue une année charnière qui voit vaciller l’Église romaine, flamber et culminer la chasse aux hérétiques en même temps qu’elle voit la jeune Église réformée se renforcer et se positionner avec succès dans un champ religieux plus que chaotique. Les ouvrages polémiques réformés écrits...

  18. Le CRDI au Costa Rica

    International Development Research Centre (IDRC) Digital Library (Canada)

    région ont-elles besoin du commerce, mais elles doivent en outre acquérir de nouvelles compétences afin de pouvoir prospérer dans l'économie du savoir. La capacité d'utiliser les technologies de l'information, entre autres, est désormais une nécessité. Le CRDI subventionne la Fundación. Omar Dengo afin qu'elle puisse ...

  19. Georges et le big bang

    CERN Document Server

    Hawking, Lucy; Parsons, Gary

    2011-01-01

    Georges et Annie, sa meilleure amie, sont sur le point d'assister à l'une des plus importantes expériences scientifiques de tous les temps : explorer les premiers instants de l'Univers, le Big Bang ! Grâce à Cosmos, leur super ordinateur, et au Grand Collisionneur de hadrons créé par Éric, le père d'Annie, ils vont enfin pouvoir répondre à cette question essentielle : pourquoi existons nous ? Mais Georges et Annie découvrent qu'un complot diabolique se trame. Pire, c'est toute la recherche scientifique qui est en péril ! Entraîné dans d'incroyables aventures, Georges ira jusqu'aux confins de la galaxie pour sauver ses amis...Une plongée passionnante au coeur du Big Bang. Les toutes dernières théories de Stephen Hawking et des plus grands scientifiques actuels.

  20. An analysis of the macroeconomic conditions required for SME lending: Evidence from Turkey and other emerging market countries

    Directory of Open Access Journals (Sweden)

    Jenkins Hatice

    2017-01-01

    Full Text Available Providing small and medium enterprises (SMEs with access to external finance has been a major concern for many governments and international organizations for three decades. In recent years the experiences of emerging market countries suggest that a paradigm shift is taking place in SME finance. Particularly in fast-growing emerging market countries such as Turkey, banks are increasingly targeting SMEs as a new line of banking business. This research analyzes how macroeconomic factors have contributed to increased commercial bank lending to SMEs in six emerging market countries: Turkey, Argentina, Brazil, Mexico, Chile, and Poland. Based on time series and panel data analysis, we find that a high GDP growth rate and increased competition in the banking sector have contributed to increased banking sector credit to SMEs. The findings also reveal that curbing the high inflation rate and reducing government domestic borrowing have significantly encouraged bank lending to the SME segment.

  1. Le principe non bis in idem et le droit communautaire

    OpenAIRE

    Hedabou, Aziz

    2018-01-01

    Le principe non bis in idem est une garantie fondamentale qui interdit que les mêmes faits soit poursuivi et puni deux fois. Il est reconnu par tous les droits internes et “appartient aux droit universel des nations”. Dès lors, sa lettre et son esprit ne sont plus cantonnés au droit interne et ont tendance à s’internationaliser. En droit communautaire, l’étude du principe non bis in idem peut être envisagée sous trois angles différents. D’abord en droit pénal international unilatéral où chaqu...

  2. Le tennis dans le monde: état et prospective

    Directory of Open Access Journals (Sweden)

    Pierre DUMOLARD

    1989-06-01

    Full Text Available Le tennis est peu ou prou pratiqué dans tous les pays du monde, mais avec de considérables variations d'intensité. Actuellement, ses points d'ancrage se situent dans les pays développés occidentaux et dans l'ancienne sphère d'influence britannique. En tenant compte de l'évolution démographique et économique possible des nations, des projections de pénétration de ce sport sont établies pour l'horizon 2000.

  3. The evolution of environmental concerns in economywide policies and adjustment lending: Experience from the energy sector

    Energy Technology Data Exchange (ETDEWEB)

    Hansen, Stein

    1993-07-01

    In this report, following a brief overview of some generic issues and empirical evidence relating to the linkages between economic growth, energy use and environmental impacts, a review of energy sector adjustment lending activities in developing and Eastern European countries is carried out. Following that a more specific discussion of the direct and indirect environmental impacts of these policies is presented, both in general terms, but also illustrated by means of how specific energy project packages are being designed in response to the said policy changes. Perhaps the most significant role of such policy reforms is that it impacts economywide on all economic activities; both the decisions regarding input substitution and output focus of existing plants and services, as well as the decisions regarding choice of technology, design and location of new investments in all sectors of the economy. It can be concluded from the reviewed studies that getting the prices right helps the environment, but it is not enough. It undoubtedly helps the environment to correct for market failures and have prices reflect the full resource costs, because it lessens the incentive to exploit resources wastefully. This is comforting because it suggests that what has been advocated for a long time on pure efficiency grounds irrespective to environmental management reasons. What has been missing, however, is a full acknowledgement of the crucial role of supportive institutional reforms and administrative strengthening required to actually succeed with the economic reforms. Examples will be presented on how such reforms can contribute to facilitate the adjustment process by simultaneously improving allocative efficiency and generating desperately needed public revenue.

  4. The evolution of environmental concerns in economywide policies and adjustment lending: Experience from the energy sector

    International Nuclear Information System (INIS)

    Hansen, Stein

    1993-01-01

    In this report, following a brief overview of some generic issues and empirical evidence relating to the linkages between economic growth, energy use and environmental impacts, a review of energy sector adjustment lending activities in developing and Eastern European countries is carried out. Following that a more specific discussion of the direct and indirect environmental impacts of these policies is presented, both in general terms, but also illustrated by means of how specific energy project packages are being designed in response to the said policy changes. Perhaps the most significant role of such policy reforms is that it impacts economywide on all economic activities; both the decisions regarding input substitution and output focus of existing plants and services, as well as the decisions regarding choice of technology, design and location of new investments in all sectors of the economy. It can be concluded from the reviewed studies that getting the prices right helps the environment, but it is not enough. It undoubtedly helps the environment to correct for market failures and have prices reflect the full resource costs, because it lessens the incentive to exploit resources wastefully. This is comforting because it suggests that what has been advocated for a long time on pure efficiency grounds irrespective to environmental management reasons. What has been missing, however, is a full acknowledgement of the crucial role of supportive institutional reforms and administrative strengthening required to actually succeed with the economic reforms. Examples will be presented on how such reforms can contribute to facilitate the adjustment process by simultaneously improving allocative efficiency and generating desperately needed public revenue

  5. The impact of the European insolvency regulation on lenders, lending decisions, the structuring of transactions and enforcement of security

    OpenAIRE

    Sharma, R

    2011-01-01

    This Thesis seeks to shed light on the issue of how far secured creditor rights are protected in EU cross-border insolvencies by focusing on the perspective and position of English lenders. The main thread throughout is the legal concerns faced by lenders when lending to a company incorporated in England and Wales which operates across the European Union and has assets and creditors spread across various Member States. The initial stages of the structuring of a cross-border security arrangeme...

  6. Beauty premium: Event-related potentials evidence of how physical attractiveness matters in online peer-to-peer lending.

    Science.gov (United States)

    Jin, Jia; Fan, Bonai; Dai, Shenyi; Ma, Qingguo

    2017-02-15

    Although it is well known that attractiveness-based impressions affect the labor market, election outcomes and many other social activities, little is known about the role physical attractiveness plays in financial transactions. With the development of online finance, peer-to-peer lending has become one of the most important ways in which businesses or individuals raise capital. However, because of information asymmetry, the lender must decide whether or not to lend money to a stranger based on limited information, resulting in their decision being influenced by many other factors. In the current study, we investigated how potential borrowers' facial attractiveness influenced lenders' attitudes toward borrowers' repayment behavior at the brain level by using event-related potentials. At the priming stage, photos of attractive borrowers induced smaller N200 amplitude than photos of unattractive borrowers. Meanwhile, at the feedback stage, compared with the condition of repaying on time, breach of repayment from unattractive borrowers induced larger feedback-related negativity (FRN) amplitude, which was a frontal-central negative deflection and would be enhanced by the unexpected outcome. Furthermore, smaller P300 amplitude was also elicited by the condition of not repaying on time. These differences in the FRN and P300 amplitudes were not observed between negative and positive feedback from attractive borrowers. Therefore, our findings suggest that the beauty premium phenomenon is present in online peer-to-peer lending and that lenders were more tolerant toward attractive borrowers' dishonest behavior. Copyright © 2017 Elsevier B.V. All rights reserved.

  7. Peut-on voyager dans le temps ?

    CERN Multimedia

    CERN. Geneva

    2008-01-01

    La possibilité de voyager dans le temps est régulièrement évoquée par les magazines scientifiques (et parfois même par les scientifiques). Elle est également le sujet de nombreux romans de science-fiction. Nous discuterons d’abord du sens qu’on peut donner à l’expression « voyager dans le temps », puis nous expliciterons ce que la physique contemporaine dit à ce propos.

  8. Le CRDI en Égypte

    International Development Research Centre (IDRC) Digital Library (Canada)

    afin d'y favoriser la croissance et le développement. Il en résulte des solutions locales, novatrices et durables, qui offrent des choix aux personnes qui en ont le plus besoin et font changer les choses. Centre de recherches pour le développement international. CP 8500, Ottawa (Ontario) Canada K1G 3H9. 1012 alexandrie.

  9. Le corps dans l'Antiquité

    Directory of Open Access Journals (Sweden)

    Sophie Lalanne

    2008-06-01

    Full Text Available Ouvrages générauxLaqueur Thomas, La fabrique du sexe. Essai sur le corps et le genre en Occident, trad. fr., Paris, Gallimard, 1992.Feher Michel, Naddaff Ramona, Tazi Nadia, Fragments for a History of the Human Body, 3 volumes, New York, Zone Books, 1989.Le Corps dans l’AntiquitéBodiou Lydie, Frère Dominique, Mehl Véronique dir., L’expression des corps. Gestes, attitudes, regards dans l’iconographie antique, Rennes, Presses Universitaires de Rennes, 2006.Bonnard Jean-Baptiste, Le complexe de ...

  10. Démocratie et le développement dans le monde arabe | IDRC ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le Rapport sur le développement humain dans le monde arabe 2002 souligne un " déficit en matière de libertés " fondamental dans le monde arabe se traduisant dans toute la région par des régimes autoritaires et la faiblesse de la démocratie. Cette subvention permettra aux chercheurs Samir Makdisi et Ibrahim Elbadawi ...

  11. ÉTUDE DE CAS — Cuba : Le logement et le capital humain à Cuba ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    10 janv. 2011 ... ÉTUDE DE CAS — Cuba : Le logement et le capital humain à Cuba ... Centre de recherches pour le développement international (CRDI) du Canada révèle ... Les ressources déjà limitées sont devenues encore plus rares. ... de l'Institut national pour l'hygiène, l'épidémiologie et la microbiologie (INHEM), ...

  12. Le CRDI et la lutte contre le paludisme | CRDI - Centre de ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    22 juil. 2011 ... D'autres interventions luttent également contre le paludisme, notamment les moustiquaires imprégnées d'insecticide et les médicaments visant à prévenir le ... Le CRDI appuie le GCRAI depuis les années 1970 et participe avec SIMA au financement de la recherche sur les interactions complexes entre ...

  13. Lele du langage de programmation dans la réalisation de code ...

    African Journals Online (AJOL)

    Lele du langage de programmation dans la réalisation de code de qualité, les cas de Delphi et C++ Nous discutons dans ce papier lele du langage de programmation dans la production d'un code de qualité. La qualité d'un code peut être atteinte en respectant certains critères simples au niveau de la programmation ...

  14. La spermiation chez le brochet.

    Directory of Open Access Journals (Sweden)

    DE MONTALEMBERT G.

    1980-01-01

    Full Text Available L'évolution quantitative et qualitative de la production de sperme au cours de la période de spermiation a été étudiée chez des brochets maintenus en captivité dans un étang de 400 m2. Le sperme est prélevé toutes les semaines à partir du début de février, et pendant près de 2 mois. La quantité de sperme recueillie est très faible et présente de fortes variations individuelles ; elle augmente progressivement jusqu'à la 5me semaine et décroit ensuite. La quantité moyenne de sperme récoltée par mâle est de l'ordre de 0,7 ml/semaine et varie considérablement d'un mâle à l'autre (0.07 à 1,5 ml. La concentration du sperme en spermatozoïdes varie entre 18 et 25 milliards par ml ( X = 21,5 109 + 2,11. La quantité de spermatozoïdes récoltée par semaine est de 28,5 106 + 26,4/kg de poids corporel. La qualité du sperme appréciée par l'intensité et la durée de motilité suit une évolution similaire à celle de la quantité de sperme récoltée avec des valeurs maximales à 4 semaines et minimales en début et fin de période de prélèvement. Les premières ovulations détectées sur des femelles stockées dans les mêmes conditions que les mâles ont été observées à la 6me semaine de prélèvements alors que les performances de spermiation avaient déjà fortement déclinées. Il est vraisemblable que les conditions expérimentales particulièrement traumatisantes pour les mâles ont affecté prématurément la spermiation, amplifiant ainsi le décalage fréquemment observé entre les périodes de spermiation et d'ovulation.

  15. Le groupe de travail EPNAC

    Directory of Open Access Journals (Sweden)

    MOLLE, Pascal

    2012-12-01

    Full Text Available En France, les procédés de traitement des eaux usées des petites et moyennes collectivités sont en constante évolution et leur diversité augmente fortement. Constitué à l'initiative d'Irstea, le groupe de travail EPNAC a pour objectif de mutualiser et de diffuser une information technique et cohérente sur ces procédés auprès des acteurs de l'assainissement.

  16. Le salaire minimum n'est pas toujours le meilleur moyen d'accroître ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    4 mai 2016 ... De fait, cette intervention vigoureuse sur le marché du travail est une ... la mobilité des travailleurs entre le secteur structuré et le secteur non structuré, ... On peut certes se constituer rapidement du capital politique en faisant ...

  17. Rapport financier trimestriel pour le trimestre qui a pris fin le 30

    International Development Research Centre (IDRC) Digital Library (Canada)

    Sophie Comeau

    30 sept. 2011 ... politiques, de chercheurs et de collectivités de par le monde. ..... Financement : le CRDI est visé par l'Examen stratégique et ... Le Conseil des gouverneurs a amorcé la planification du recrutement du nouveau président.

  18. Rapport financier trimestriel pour le trimestre qui a pris fin le 30 juin ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Sophie Comeau

    30 juin 2017 ... Régi par la Loi sur le Centre de recherches pour le développement international ... des retombées; forme des leaders dans les secteurs de l'administration .... Au cours de la période de trois mois qui a pris fin le 30 juin 2017, ...

  19. Le facteur humain et la sûreté de fonctionnement dans le ...

    African Journals Online (AJOL)

    Elle permettait d'optimiser le couple « performance-coût », en identifiant, évaluant et maîtrisant les pannes qu'il ... gestion des risques deviennent une ...... Etre en mesure de détecter les .... variés qui s'y déroulent, avoir le contrôle du.

  20. Les femmes dans le secteur du travail domestique et le secteur ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Ce projet vise à rectifier le tir en faisant la lumière sur les caractéristiques ... le secteur du travail domestique et dans le secteur bancaire modifient la nature du travail ... des sciences sociales, des sciences humaines, de la santé publique ou.

  1. L’Association du personnel, le TREF, le Comité des Finances et le Conseil du CERN

    CERN Multimedia

    Staff Association

    2016-01-01

    L’Association du personnel, forte de son approche participative et consensuelle, recherche toujours le meilleur accord possible pour l’Organisation et son personnel. Pour ce faire, discussions et concertation avec la Direction, travail d’explication et de persuasion au TREF et ailleurs auprès des délégués des États membres sont nos principaux atouts. TREF (Tripartite Employment Conditions Forum), un Forum d’échanges, de discussions « L’objectif du Forum est d’améliorer le processus de prise de décision  en donnant aux personnes concernées la possibilité et le temps de comprendre pleinement la position de tous les participants. » (CERN/RTG/8) Le Forum tripartite sur les conditions d’emploi (TREF), créé par le Conseil du CERN en juin 1994, est composé de r...

  2. Le contrôle de gestion environnementale d'une entreprise

    OpenAIRE

    Marquet-Pondeville, Sophie

    2001-01-01

    Dans cette recherche, nous étudions comment s’opère le contrôle de gestion environnementale. Cette problématique est abordée dans une perspective contingente et nous proposons un modèle théorique qui met en évidence l’impact de certaines variables sur les systèmes de contrôle de la gestion environnementale. Certains liens présents dans ce modèle sont discutés à travers une étude de cas.

  3. Le facteur humain et la sûreté de fonctionnement dans le ...

    African Journals Online (AJOL)

    Notre contribution porte sur lele fondamental du facteur humain dans le management intégré des risques d'une part et du rôle déterminant qu'il peut avoir à jouer pour que la sûreté de fonctionnement réponde à sa propriété d'autre part. Un rôle illustré à travers une analyse de risque dans un complexe de Gaz Naturel ...

  4. Should the joint provision of credit insurance with unsecured lending be prohibited? An examination of the UK payment protection insurance market

    OpenAIRE

    John Ashton; Robert S. Hudson

    2011-01-01

    This study examines whether the recent UK regulatory decision to introduce a blanket ban on the joint provision of consumer lending and credit insurance was justified. This case has wide regulatory implications following international concerns that the sale of credit insurance has been detrimental to customers due to overpriced credit insurance and a possible cross subsidy from credit insurance to unsecured lending. To explore this issue a theoretical model is developed considering why a cros...

  5. What Drives Bank Lending in Domestic and Foreign Currency Loans in a Small Open Transition Economy with Fixed Exchange Rate? The Case of Macedonia

    OpenAIRE

    Jane Bogoev

    2011-01-01

    This paper investigates two different bank loan supply functions and their determinants according to the currency of bank loans in the Republic of Macedonia. There is robust statistical evidence in favour of the existence of a bank lending channel through foreign currency loans and the foreign reference interest rate. This suggests that the impact of domestic monetary policy over the bank lending channel is limited. The most significant bank-specific characteristic for the foreign currency lo...

  6. Le language des masques burkinabè

    African Journals Online (AJOL)

    hond

    2 juil. 2007 ... un faire transformateur cognitif devient un esprit qui a des fonctions hautement spirituelles, religieuses et aussi souvent esthétiques. Le langage et le discours des masques. Les masques sont un langage et un discours. Un langage est un système de communi- cation et d'expression. L'unité de base de ...

  7. Addendum waarde commerciële radiovergunningen

    NARCIS (Netherlands)

    Poort, J.; Kerste, M.; Akker, I.; Prins, J.

    2011-01-01

    Op 18 mei 2010 stuurde de Minister van Economische Zaken het SEO-rapport Waarde commerciële radiovergunningen naar de Tweede Kamer. Dat rapport doet verslag van een onderzoek naar de waarde van de commerciële radiovergunningen. Het vormde de grondslag voor het financieel instrument in de

  8. L'astronomie dans le monde

    Science.gov (United States)

    Manfroid, J.

    2008-09-01

    Fragmentation et astéroïdes binaires; Astéroïde géocroiseur triple; Rosetta sort de son hibernation; Messenger; Transit lunaire vu par Deep Impact; Titan; Phobos; Phoenix; Einstein avait raison; Le ballet des taches rouges; Le poids des lentilles;

  9. Le Débat des semences

    International Development Research Centre (IDRC) Digital Library (Canada)

    Solutions pour les lois nationales régissant le contrôle des ressources génétiques et des ...... des pouvoirs) qui reconnaissent, dans une certaine mesure, les droits de gestion collectifs des ...... documentés, les performances physiques, etc.

  10. Le barrage des trois Gorges (Chine

    Directory of Open Access Journals (Sweden)

    Luc Merchez

    1999-09-01

    Full Text Available Le barrage des Trois Gorges, en construction sur le Yangzijiang, sera le plus grand barrage au monde. Le gigantisme du projet et sa médiatisation croissante en Occident permettent d'en saisir les enjeux environnementaux et humains. On analyse les grandes caractéristiques du projet et ses conséquences premières avant d'aborder le travail de recherche de l'équipe SIG de l'IGA de Grenoble qui vise à préparer la relocalisation de plus d'un million d'habitants, et à modéliser les impacts démographiques et sociaux.

  11. Le projet de station touristique

    OpenAIRE

    Vlès, Vincent

    1996-01-01

    Cet ouvrage traite du savoir-faire du technicien, de l'ingénieur, du directeur d'office de tourisme qui façonne, depuis maintenant près de trois décennies, le territoire local de la production touristique : la station. Il analyse les stratégies, les mises en œuvre, les pratiques de l'aménagement et du développement touristique. Il propose une construction du projet de station, méthode qui est l'aboutissement d'expériences de terrain. Il présente un guide des interventions. Il décrit des modes...

  12. Le Squatteur, le Gentrifieur et le Promoteur. Une leçon de la géographie

    Directory of Open Access Journals (Sweden)

    Laurent Matthey

    2005-03-01

    Full Text Available Posées sur mon bureau : deux photos. Je les regarde. Silencieusement, je les décris et les commente. La première a été prise en novembre 1997. Angle rue Jean-Violette, rue Prévost-Martin, à Genève. On y voit un immeuble, ancien, des échafaudages. Entre cet immeuble et celui qui lui fait face, on a tendu des fanions verts, bleus, orange. Son rez-de-chaussée a été repeint dans une teinte un peu brique. La seconde date d’avril 2005. C’est le même immeuble, presque dix ans plus tard, rénové. Jaun...

  13. The Impact of the Basel III Liquidity Regulations on the Bank Lending Channel: A Luxembourg case study

    OpenAIRE

    Gaston Giordana; Ingmar Schumacher

    2011-01-01

    In this paper we study the impact of the Basel III liquidity regulations, namely the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR), on the bank lending channel in Luxembourg. For this aim we built, based on individual bank data, time series of the LCR and NSFR for a sample of banks covering between 82% and 100% of total assets of the banking sector. Additionally, we simulated the optimal balance sheet adjustments needed to adhere to the regulations. We extend the exis...

  14. Le déficit de filles

    International Development Research Centre (IDRC) Digital Library (Canada)

    de la population est une tendance plus récente. C. Le déficit de filles. Le déséquilibre du ratio hommes-femmes en Inde. D. R. O. I. T. S. D. E. S. F. E. M. M. E. S. E. T. P. A. R. T. IC. I. P. A. T. IO. N. C. I. T. O. Y. E. N. N. E. CENTRE DE. RECHERCHES. POUR LE. DÉVELOPPEMENT. INTERNATIONAL. CRDI : Jason Taylor ...

  15. Le Parti paysan d’union sociale

    OpenAIRE

    Bensoussan, David

    2015-01-01

    La fondation, le 11 juillet 1945 à Paris, du Parti paysan n’a sans doute guère suscité l’attention des contemporains alors immergés dans le contexte tumultueux de l’immédiat après-guerre. Il faut d’ailleurs attendre la parution, quelque temps plus tard, le 6 octobre, du premier numéro de L’Unité Paysanne, organe hebdomadaire de cette nouvelle formation politique, pour que sa naissance soit publiquement officialisée. Sans vouloir surévaluer l’importance d’une organisation qui n’arrivera jamais...

  16. Le Corbusier, Alfred Roth y el color

    Directory of Open Access Journals (Sweden)

    Angelica Fernández-Morales

    2014-07-01

    Full Text Available This article discusses the relationship between Le Corbusier and Alfred Roth, a member of the Paris office between 1927 and 1928. It also deals with the influence that this period had with reference to an important factor in Roth’s professional development, as in Le Corbusier’s later works: the use of colour in his architecture. This article takes the position that Roth, given his close friendship with Mondrian, was an important figure in turning Le Corbusier’s work towards greater use of primary colours and aesthetic neoplasticism.

  17. A randomized intervention trial to reduce the lending of used injection equipment among injection drug users infected with hepatitis C.

    Science.gov (United States)

    Latka, Mary H; Hagan, Holly; Kapadia, Farzana; Golub, Elizabeth T; Bonner, Sebastian; Campbell, Jennifer V; Coady, Micaela H; Garfein, Richard S; Pu, Minya; Thomas, Dave L; Thiel, Thelma K; Strathdee, Steffanie A

    2008-05-01

    We evaluated the efficacy of a peer-mentoring behavioral intervention designed to reduce risky distributive injection practices (e.g., syringe lending, unsafe drug preparation) among injection drug users with hepatitis C virus (HCV) infection. A randomized trial with a time-equivalent attention-control group was conducted among 418 HCV-positive injection drug users aged 18 to 35 years in 3 US cities. Participants reported their injection-related behaviors at baseline and at 3- and 6-month follow-ups. Compared with the control group, intervention-group participants were less likely to report distributive risk behaviors at 3 months (odds ratio [OR]=0.46; 95% confidence interval [CI]=0.27, 0.79) and 6 months (OR=0.51; 95% CI=0.31, 0.83), a 26% relative risk reduction, but were no more likely to cite their HCV-positive status as a reason for refraining from syringe lending. Effects were strongest among intervention-group participants who had known their HCV-positive status for at least 6 months. Peer mentoring and self-efficacy were significantly increased among intervention-group participants, and intervention effects were mediated through improved self-efficacy. This behavioral intervention reduced unsafe injection practices that may propagate HCV among injection drug users.

  18. Le soleil devient un mythe

    Directory of Open Access Journals (Sweden)

    Ildikó Lőrinszky

    2009-01-01

    Full Text Available Partant d’une phrase énigmatique datant de 1858 et puisée dans la Correspondance de Flaubert, cet article s’interroge sur la relation entre soleil et mythe, qui constituera l’un des éléments clefs de la dimension mythologique de Salammbô. Il se propose d’examiner la façon dont cette question apparaît dans deux ouvrages représentatifs des études mythographiques : d’une part, L’Origine de tous les cultes de Charles-François Dupuis, d’autre part, Les Religions de l’Antiquité..., publié sous les noms de Frédéric Creuzer et de son adaptateur français, Joseph-Daniel Guigniault. La version française de la grande synthèse de Creuzer, assortie d’une série importante de planches, a été richement exploitée par Flaubert au cours de la genèse du roman carthaginois. Dans Salammbô, le mythe apparaît sous de multiples formes. L’analyse de ce texte peut nous amener à réfléchir sur le « bon usage » du mythe auquel chaque créateur (et chaque lecteur se trouve nécessairement confronté.Starting from an enigmatic phrase in Flaubert’s correspondence, dating from 1858, this article examines the relation between the Sun and myth, which constitutes one of the key elements of the mythological dimension of Salammbô. It especially focuses on the treatment of this question in two representative works of mythographic studies, The Origin of All Religious Worship by Charles-François Dupuis, and Les Religions de l’Antiquité..., the French adaptation of Frédéric Creuzer’s Symbolik und Mythologie der alten Völker by Joseph-Daniel Guigniault. The French version of Creuzer’s great synthesis, supplied with a remarkable set of prints, was abundantly consulted by Flaubert when writing his Carthaginian novel. In Salammbô, myth takes on various forms. Analyzing this text might lead one to reconsider “the right way” to use myths — a problem all writers (and readers find themselves confronted with.

  19. Rapport financier trimestriel pour le trimestre qui a pris fin le 30 juin

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    30 juin 2016 ... Le CRDI finance des travaux de recherche appliquée ... développement international (le Centre) et lʼévolution de la ..... voie de développement et sur la mise en oeuvre des connaissances scientifiques, techniques et autres en vue .... Les accords expirent à des dates différentes, et le dernier prend fin en.

  20. 205 Le Role de la Litterature dans le Developpement de la Nation ...

    African Journals Online (AJOL)

    Ike Odimegwu

    du plaisir en même temps qu'il le moralise. Elle fait naître dans ses lecteurs ou dans son audience des .... développement de l'esprit>>(319)Par cette définition nous comprenons que le développement signale qu'il du progrès ... qu'elle est une œuvre de l'imagination qui aide l'homme à transcender le monde physique.

  1. Le « modèle germanique » Français

    OpenAIRE

    Lefebvre , Armelle

    2009-01-01

    Resume Le concept d?Allemagne permet de reveler, selon une approche , l?ampleur des desaccords ayant preside a la definition du concept d?Etat en France. De ce dernier, l?on aborde divers emplois qu?illustrent des modeles d?Etat. Le opere ainsi dans un debat qui est le creuset de la connaissance politique moderne, avec ses apories: celles de la souverainete externe, de l?ordre interetatique, de la confederation. L?article expose alo...

  2. Publications | Page 200 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le CRDI collabore avec les chercheurs et les établissements des pays en développement au renforcement des capacités locales par le truchement du financement, de la mise en commun des connaissances et de la ... Le partage de l''information et des techniques de la communication favorise le développement durable.

  3. Publications | Page 17 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Publication du rapport de BSR sur le travail des enfants en Birmanie. Le CRDI finance plusieurs projets de recherche sur les facteurs expliquant le travail des enfants, incluant le rapport intitulé 'Child labor in Myanmar's Garment Sector' écrit récemment par l'organisme Business for Social Responsibility (BSR).

  4. Droits d'auteur | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Droits d'auteur détenus par le CRDI Sauf indication contraire, les droits d'auteur relatifs aux documents mis en ligne sur le présent site Web sont détenus par le Centre de recherches pour le développement international (CRDI).

  5. Publications | Page 103 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le FIE 2008 fait avancer le cadre écobiosocial de l'OMS. Le Programme spécial de recherche et de formation concernant les maladies tropicales (TDR) de l'OMS a élaboré le concept du champ « écobiosocial », qui combine les perspectives écologiques, biologiques et sociales « pour mieux.

  6. Savoir gérer le mal

    Directory of Open Access Journals (Sweden)

    Michel Maffesoli

    2015-09-01

    Full Text Available Le sens commun, conservatoire immémorial de la sagesse humaine « sait », de savoir incorporé, que le mal, l’ombre, la mort, la douleur sont des caractéristiques essentielles de l’existence en son entièreté. Dès lors les créatures quelles qu’elles soient, sont des manifestations de la vie et, dès lors, méritent une attitude « compassionnelle », fraternelle, parce qu’ensemble elles constituent le flux vital. C’est ainsi que l’on peut comprendre l’utilité sociale de ces divers « mondes intermédiaires » que sont les croyances, religieuses ou philosophiques, au « double », au « daimon », aux esprits et autres figures tutélaires ou effrayantes. Elles aident à vivre, au jour le jour, la souffrance en la communalisant.

  7. Jan Potocki et le "Gothic Novel"

    Science.gov (United States)

    Finne, Jacques

    1970-01-01

    Establishes a parallel between the supernatural and fantastic qualities of Le Comte Jan Potocki's literary works, and the English gothic novels by comparing the elements of terror, mysterious atmosphere, and the supernatural beings involved. (DS)

  8. Original Paper Le champignon arbusculaire Glomus aggregatum ...

    African Journals Online (AJOL)

    Le champignon arbusculaire Glomus aggregatum améliore la nutrition minérale de ... Salinity remains a major problem for soil fertility, especially in the Sahelian zone. However, many ...... environmental gradient in the Brazilian semiarid.

  9. le des universités dans le renforcement des technologies de l ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    le des universités dans le renforcement des technologies de l'information et de la communication au service du développement (TIC-D) en Asie. Jusqu'à maintenant, les efforts déployés dans le secteur de l'enseignement supérieur ont surtout été axés sur le téléapprentissage, l'apprentissage électronique et différentes ...

  10. Entre les violences conjugales et le harcèlement moral : le stalking .

    Directory of Open Access Journals (Sweden)

    Nicolas Desurmont

    2007-09-01

    Full Text Available Ce livre de la criminologue Murielle Anteo est le premier publié en langue française sur le stalking si l’on excepte les travaux encore inédits de Virginie Léon (2004. Comme le rappelle l’auteure, le terme est emprunté à l’anglais to stalk (hanter, rôder, et désigne un comportement menaçant, initié par un individu dont l’objectif conscient ou inconscient est l’objectivation de sa victime à des fins de domination. L’agression prend différentes formes : ...

  11. Nuevo León

    Directory of Open Access Journals (Sweden)

    Laura Nelly Medellín Mendoza

    2006-01-01

    Full Text Available El ensayo analiza la transición política nuevoleonesa a partir de un contexto de liberalización política. En Nuevo León el régimen político autoritario fue cediendo en el plano electoral, dada la presión que conjuntamente la sociedad política y la sociedad civil ejercieron por lograr reglas democráticas. Este avance gradual permitió garantizar un organismo electoral confiable y que determinó en buena medida la garantía de la alternancia en 1997. El pan fue el partido que capitalizó el bono democrático, pero una vez en la responsabilidad de gobierno, no pudo ampliar el proceso de liberalización política al mediatizar las reformas electorales y no comprometerse para sacar del atolladero legislativo las iniciativas que garantizaban mecanismos de participación ciudadana: referéndum y plebiscito.

  12. Le Chatelier principle in replicator dynamics

    OpenAIRE

    Allahverdyan, Armen E.; Galstyan, Aram

    2011-01-01

    The Le Chatelier principle states that physical equilibria are not only stable, but they also resist external perturbations via short-time negative-feedback mechanisms: a perturbation induces processes tending to diminish its results. The principle has deep roots, e.g., in thermodynamics it is closely related to the second law and the positivity of the entropy production. Here we study the applicability of the Le Chatelier principle to evolutionary game theory, i.e., to perturbations of a Nas...

  13. Le CRDI au Brésil

    International Development Research Centre (IDRC) Digital Library (Canada)

    Les recherches subventionnées par le CRDI au Brésil ont permis d'éclairer les débats sur nombre de questions, dont la démocratie, la croissance économique, la santé, les services sociaux, l'innovation, la foresterie et l'eau. Pendant la dictature militaire, qui a pris fin en 1985, le CRDI s'est employé à assurer la survie de la ...

  14. Le CRDI en Cisjordanie et à Gaza

    International Development Research Centre (IDRC) Digital Library (Canada)

    Stress des adolescents et conflit qui perdure. En Cisjordanie, la violence politique et le conflit qui perdure ont aggravé le stress chez les adolescents, qui constituent près de la moitié de la population. À Ramallah, plus de 3 000 adolescents de 15 à 17 ans ont été interrogés par des chercheurs de l'Université de Birzeit et de ...

  15. Le désordre du monde

    African Journals Online (AJOL)

    sulaiman.adebowale

    Le début du XXIe siècle se caractérise par l'accumulation et la consécution ..... Unis a présidé à la naissance aux forceps de cet outil d'équilibre du monde en ... De toute évidence, l'ONU reste l'instrument qui a marqué le siècle dernier,.

  16. la lutte contre le SIDA au Cameroun

    African Journals Online (AJOL)

    Chantel

    Pour lutter contre cette pandémie, le Cameroun s'est organisé en mettant en place, avec l'aide de ses partenaires bilatéraux et ... la dérision qui faisait du SIDA 'le syndrome inventé pour décourager les ... rapidement donner une réponse médicale à la maladie. ... histoire politique, à ses susceptibilités historiques et à.

  17. LE MARCHE FINANCIER EN ALGERIE : SITUATION ET ...

    African Journals Online (AJOL)

    Administrateur

    marché en l'occurrence le marché financier ne représente pas un problème strictement ... variés de par le monde. Dans les pays en transition, la performance du .... Les valeurs mobilières sont constituées de deux types de titres : les titres de .... La COSOB (commission d'organisation et de surveillance des opérations de ...

  18. Le patrimoine et ses outils de gestion

    CERN Document Server

    Garcin, J

    2001-01-01

    Les principale taches de gestion du Patrimoine immobilier du CERN sont la saisie des données, leur mise à jour, l'archivage et la mise à disposition des informations. Les outils de gestion actuels : Le Système de Gestion de Base de Données Relationnelles alphanumérique ORACLE permet de gérer toutes les informations du Patrimoine, sur le réseau du CERN. Le logiciel de dessin Graphique MICROSTATION (Bentley) a été installé dans la division ST depuis fin 1991. Les plans de situation des sites, des bâtiments et locaux, des espaces confinés ont été réalisés avec ce logiciel. Les outils de demain : La mise en place du SIG (Système d'Information Graphique) STAR a été réalisée en 1993. Le transfert des plans de locaux de MICROSTATION vers STAR est en cours depuis une année environ. Le dessin de la cartographie des réseaux de canalisations Eaux Usées et Eaux Pluviales est en cours de réalisation. Le Web est l'outil de consultation de l'information par les utilisateurs.

  19. Le Projet d’Ole Lando sur les Contrats

    DEFF Research Database (Denmark)

    Holle, Marie-Louise

    2017-01-01

    En 2016 le projet de recherche le plus important jusqu’à présent sur le droit nordique des contrats a pris fin et un livre, de presque 400 pages, en a marqué l’aboutissement. Le résultat du projet est un « restatement » tel qu’il existe aux États-Unis. Le Restatement porte sur les règles et les...

  20. Quantitative analysis of nickel in zirconium and zircaloy; Dosage du nickel dans le zirconium et dans le zircaloy

    Energy Technology Data Exchange (ETDEWEB)

    Rastoix, M [Commissariat a l' Energie Atomique, Saclay (France). Centre d' Etudes Nucleaires

    1957-07-01

    A rapid spectrophotometric has been developed for determination of 10 to 1000 ppm of Ni in zirconium and zircaloy using dimethylglyoxime. Iron, copper, tin and chromium, do not interfere at the concentration usually present in zirconium and its alloys. (author) [French] On determine colorimetriquenent 10 a 1000 ppm de Ni dans le zirconium et le zircaloy par photo colorimetrie a 440 m{mu} de la dimethylglyoxime nickelique. Le dosage est rapide. Le fer, le cuivre, l'etain, le chrome ne genent pas aux concentrations habituellement rencontrees dans le zirconium et ses alliages. (auteur)

  1. Le concept d’ethos.

    Directory of Open Access Journals (Sweden)

    Bernard Fusulier

    2011-09-01

    Full Text Available Dans cet article, l’auteur traite de la signification et de l’usage du concept d’ethos. Dans la sociologie classique, ce dernier a été utilisé pour comprendre et qualifier la rationalité socialement et éthiquement encastrée des conduites sociales. Exprimant l’intériorisation d’un principe organisateur de pratiques, dessinant une matrice globale des comportements, il est porteur d’une vision qui paraît datée à l’heure du “brouillage des classes sociales”, de la “modernité liquide” et de “l’homme pluriel”. Néanmoins, si l’on reconnaît l’existence d’un univers social non entièrement liquéfié, c’est-à-dire où continuent à exister des milieux sociaux sédimentés qui imprègnent avec plus ou moins de profondeur le système de personnalité de celui qui s’y insère durablement, l’ethos reste un concept heuristique pour saisir et interpréter les récurrences de comportements qui peuvent s’y observer. Permettant de comprendre ce que les espaces d’insertion “font aux individus” ainsi que la façon dont les principes organisateurs de pratiques entrent en transaction (en consonance, en dissonance ou en concurrence, il garde toute sa pertinence dans la boîte à outils théoriques du sociologue et de l’anthropologue d’aujourd’hui.

  2. Le point sur le sida, l'alimentation et la nutrition | CRDI - Centre de ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    agriculture et l'alimentation ( FAO ), Stuart Gillespie a passé six mois à étudier le lien entre le VIH/sida et la sécurité alimentaire. Il a vite compris que l'épidémie risquait d'avoir, à long terme, des répercussions désastreuses sur la ...

  3. pour le trimestre qui a pris fin le 31 décembre 2013

    International Development Research Centre (IDRC) Digital Library (Canada)

    Sophie Comeau

    31 déc. 2013 ... IFRS 9 – Instruments financiers. Le CNCI a l'intention de remplacer la norme IAS 39 – Instruments financiers : comptabilisation et évaluation par la norme IFRS 9. La nouvelle norme guide la classification, la comptabilisation, la décomptabilisation et l'évaluation des actifs et des passifs financiers. Le Centre ...

  4. pour le trimestre qui a pris fin le 30 septembre 2016

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    30 sept. 2016 ... Le CRDI finance des travaux de recherche appliquée ... internationales dʼinformation financière (normes IFRS). ..... voie de développement et sur la mise en oeuvre des connaissances scientifiques, techniques et autres en vue du .... Les accords expirent à des dates différentes, et le dernier prend fin en.

  5. Rapport financier trimestriel pour le trimestre qui a pris fin le 30 ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Sophie Comeau

    30 sept. 2017 ... Régi par la Loi sur le Centre de recherches pour le développement international ... forme des leaders dans les secteurs de l'administration publique, de la .... Plus des trois quart du manque à gagner prévu de 11,6 millions.

  6. Rapport financier trimestriel pour le trimestre qui a pris fin le 31 ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Sophie Comeau

    31 déc. 2017 ... Régi par la Loi sur le Centre de recherches pour le développement international ... optimiser les retombées; forme des leaders dans les secteurs de ... Centre dans ce domaine, et a animé une table ronde avec trois des quatre ...

  7. Le FIE 2008 fait avancer le cadre écobiosocial de l'OMS | CRDI ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    10 mai 2011 ... Le Programme spécial de recherche et de formation concernant les maladies tropicales (TDR) de l'OMS a élaboré le concept du champ « écobiosocial », qui combine les perspectives écologiques, biologiques et sociales « pour mieux comprendre la dynamique des maladies infectieuses à transmission ...

  8. pour le trimestre qui a pris fin le 30 juin 2013

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    30 juin 2013 ... Conseil des gouverneurs du CRDI. Le mandat des gouverneurs suivants a pris fin le 27 mai 2013 : Margaret Biggs, d'Ottawa, en Ontario;. Faith Mitchell, de Washington, aux États-Unis; Elizabeth Parr-Johnston, de Chester Basin, en Nouvelle-Écosse; Gordon Shirley, de Kingston, en Jamaïque; l'honorable ...

  9. Le SRAS, le sida, et la santé publique | IDRC - International ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    22 juil. 2011 ... Certaines de ces leçons portent sur les interactions complexes entre la biologie, la culture et le pouvoir. D'autres traitent des moyens de .... HIV prevention policy in China. IDRC-funded research is using mathematical modelling to influence local and national policies in China to reduce HIV transmission.

  10. Juan Goytisolo: Le soi, le monde et la création littéraire

    Directory of Open Access Journals (Sweden)

    Pablo Romero Alegría

    2010-01-01

    Full Text Available Reseña de la obra: Yannick Llored. Le soi, le monde et la création littéraire. Presses Universitaires du Septentrion. Villeneuve d’Ascq (Francia. 2009. 421 págs. ISBN: 978-2-75740-0089-0

  11. Partnering with libraries to promote walking among community-dwelling adults: a Kingston gets active pilot pedometer-lending project.

    Science.gov (United States)

    Ryder, Holly H; Faloon, Kathryn J; Lévesque, Lucie; McDonald, Deanna

    2009-10-01

    Most adults do not walk enough to obtain health benefits. Pedometers have been successfully utilized to motivate and increase walking. Given that libraries are a place where community members seek health resources, they are a logical setting for increasing community accessibility to pedometers. The purpose was to examine the feasibility of lending pedometers to library patrons to increase walking. In five Canadian public libraries, 90 pedometers were made available for 6 months. A total of 41 library patrons (33 women, 8 men, age range 18 to 65 or older) completed a survey about their walking patterns and pedometer use. More than 330 loans were made. Chisquare analysis found significant associations between walking and motivation to walk more (p libraries is an effective, low-cost approach to enhance walking in community members.

  12. Managing Operational Risk Related to Microfinance Lending Process using Fuzzy Inference System based on the FMEA Method: Moroccan Case Study

    Directory of Open Access Journals (Sweden)

    Alaoui Youssef Lamrani

    2017-12-01

    Full Text Available Managing operational risk efficiently is a critical factor of microfinance institutions (MFIs to get a financial and social return. The purpose of this paper is to identify, assess and prioritize the root causes of failure within the microfinance lending process (MLP especially in Moroccan microfinance institutions. Considering the limitation of traditional failure mode and effect analysis (FMEA method in assessing and classifying risks, the methodology adopted in this study focuses on developing a fuzzy logic inference system (FLIS based on (FMEA. This approach can take into account the subjectivity of risk indicators and the insufficiency of statistical data. The results show that the Moroccan MFIs need to focus more on customer relationship management and give more importance to their staff training, to clients screening as well as to their business analysis.

  13. LE LIEN ENTRE FINANCE ET ECONOMIE ISLAMIQUES VIA LE MODELE PRINCIPIEL "ZR"

    OpenAIRE

    BELABES, ABDERRAZAK

    2010-01-01

    A l'heure où certains évoquent l'intégration de la finance islamique à la finance globale, et d'autres rattachent la finance islamique à des thèmes en vogue telles que la finance éthique, la finance participative ou la finance socialement responsable, le présent papier explore le lien entre finance et économie islamiques à partir du modèle principiel "ZR", c’est-à-dire "Zakât" et "Ribâ". Ce modèle montre que les principes invariants de Zakât et Ribâ jouent un rôle central dans l’établissement...

  14. Le jeu de la création : Le mangeur (2005) de Ying Chen

    OpenAIRE

    Nicole Dunham

    2013-01-01

    Le théoricien James Hans définit le jeu comme une déconstruction structurante, un processus de perpétuelle remise en question. Dans Le Mangeur (2005) de Ying Chen, la narratrice revit un épisode d’une de ses vies passées où elle meurt mangée, avalée, par son père, descendant dans le « tunnel » du ventre de ce dernier. Cependant, suite à cet événement, elle se retrouve dans un autre espace-temps où elle rencontre son mari, A.. Une équivalence s’établit dans le roman entre les éléments suivants...

  15. Lele du pharmacien dans la fécondation in vitro

    OpenAIRE

    Hannoun , Odélia

    2017-01-01

    La procréation médicalement assistée regroupe plusieurs techniques venant en aide aux couples ayant des difficultés à concevoir. Environ 15% des couples en age de procréer consultent pour une difficulté à concevoir. Ce véritable problème de société nous incite à réfléchir sur le role que tient le pharmacien en tant que professionnel de santé dans le parcours de fécondation in vitro. Le pharmacien développe une relation étroite avec les patients au comptoir. Il est la pour expliquer le traitem...

  16. Bibliographie sélective sur le corps

    Directory of Open Access Journals (Sweden)

    Anne-Claire Rebreyend

    2007-11-01

    Full Text Available Ouvrages générauxBruit Zaidman Louise, Houbre Gabrielle, Klapisch-Zuber Christiane, Schmitt Pantel Pauline (dir., Le corps des jeunes filles de l'Antiquité à nos jours, Paris, Perrin, 2001.Vigarello Georges, Le propre et le sale. L'hygiène du corps depuis le Moyen Âge, Paris, Seuil, 1985.—, Le sain et le malsain : santé et mieux-être depuis le Moyen Âge, Paris, Seuil, 1993.—, Histoire de la beauté. Le corps et l'art d'embellir de la Renaissance à nos jours, Paris, Seuil, 2004.Le corps au Moy...

  17. Le patrimoine astronomique provençal

    Science.gov (United States)

    Rous, M.; Figon, P.; Guyot, S.

    2012-12-01

    L'OSU OAMP/Institut Pythéas porte les missions de conservation, inventaire et valorisation du patrimoine. Suite à la fusion de l'Observatoire de Marseille et du Laboratoire d'Astronomie Spatiale en 2000 pour créer le Laboratoire d'Astrophysique de Marseille, le déménagement des équipes sur le site de Château-Gombert en 2008 a soulevé le problème du devenir des collections des deux sites d'origine. Nous ferons le bilan des actions passées en matière de conservation et de valorisation de ce riche patrimoine : versement à l'inventaire général du Ministère de la Culture, classement de 22 instruments au titre des Monuments Historiques, inventaire et numérisation des archives anciennes, montage d'expositions et réalisation du catalogue Telescopium, 400 ans de lunettes et de télescopes. Nous présenterons les actions en cours: mesures de conservation préventive, inventaire des archives et des instruments. Nous parlerons enfin des projets: création d'un espace d'exposition permanente, participation à des expositions temporaires.

  18. Le mal et ses complots imaginaires

    OpenAIRE

    Frankfurter, David

    2012-01-01

    Les récits d’abus rituels sataniques que les médias ont largement diffusés, aux États-Unis et au Royaume-Uni, entre le début des années 1980 et la fin des années 1990, soutenaient le parallèle avec les allégations avancées, durant l’Antiquité et au début des Temps modernes, contre les chrétiens, les hérétiques, les juifs ou les sorcières. Quelle est la nature de ces parallèles ? Cet article examine plusieurs types de modèles convoqués lors de diverses occurrences historiques des peurs panique...

  19. Gisèle HALIMI, La Kahina

    OpenAIRE

    ALLOUCHE-BENAYOUN, Joëlle

    2010-01-01

    Est-ce un ouvrage historique ? Est-ce un roman ? Un roman historique ? Le lecteur est désemparé dès qu’il plonge dans l’ouvrage que Gisèle Halimi a consacré à la grande héroïne judéo berbère. Si l’on comprend bien l’intérêt de l’avocate féministe – par ailleurs juive et née en Tunisie – pour cette figure féminine de résistance, la gêne s’installe au fur et à mesure de la lecture, face à l’impossibilité de l’auteur de choisir un genre littéraire et de s’y tenir. Alors que le destin légendaire ...

  20. Le littoral face aux changements climatiques

    OpenAIRE

    Mulot, Vanessa; Vigneron, Anne-Laure; Lambert-Hadid, Marie-Laure

    2011-01-01

    Le changement climatique et l’anthropisation du littoral accentuent le risque de submersion marine sur l’ensemble des côtes. Malgré l’élévation en cours du niveau des mers, l’attractivité du littoral ne décroît pas malgré la connaissance du risque. Ce risque aggravera dans les années à venir les enjeux liés à la submersion marine, parmi lesquels le danger pour les vies humaines, comme l’a malheureusement illustré l’actualité (Xynhia), mais aussi la question de la propriété des biens et des te...

  1. Quand la musique donne le ton

    DEFF Research Database (Denmark)

    Reeh, Henrik

    2017-01-01

    Le lycée Sainte-Anne de Copenhague est un établissement réputé pour les résultats de ses élèves et pour être le foyer d’une intense tradition chorale et musicologique. L’article interroge les parcours de 32 élèves d’une même classe, tous reçus au baccalauréat 2014 avec une option musique et mathé...... de comprendre cette coexistence entre musique et éducation, la relation entre « individu » et « communauté » est examinée et la notion de « culture » désigne le point d’articulation qui peut rendre compte de la dynamique pédagogique en question....

  2. Le jeu de la création : Le mangeur (2005 de Ying Chen

    Directory of Open Access Journals (Sweden)

    Nicole Dunham

    2013-11-01

    Full Text Available Le théoricien James Hans définit le jeu comme une déconstruction structurante, un processus de perpétuelle remise en question. Dans Le Mangeur (2005 de Ying Chen, la narratrice revit un épisode d’une de ses vies passées où elle meurt mangée, avalée, par son père, descendant dans le « tunnel » du ventre de ce dernier. Cependant, suite à cet événement, elle se retrouve dans un autre espace-temps où elle rencontre son mari, A.. Une équivalence s’établit dans le roman entre les éléments suivants : le ventre du père, les tableaux peints par ce dernier et l’espace-temps de A., et la fenêtre. Ces éléments deviennent des aires de jeu, remettant en question les concepts de l’intérieur et de l’extérieur et du créateur et de l’œuvre. En nous servant du texte « Le Tunnel » écrit par Ying Chen, nous démontrerons que cette notion du jeu s’applique également à l’ensemble de son œuvre.

  3. Le continu contre l'espace

    Science.gov (United States)

    Salanskis, Jean-Michel

    Disons pour conclure que, en tout état de cause, la façon de concevoir philosophiquement le conflit du continu et de l'espace que nous avons trouvée chez Hegel n'est pas homogène avec le style et les modalités de la pensée mathématique: 1) d'une part, le lien classique, le lien de référence entre continu et espace en mathématiques n'est pas que l'espace serait premier et privé de pensée, et le continu second, venant dissoudre l'espace en apportant la qualité, l'infini et la pensée, mais tout au contraire, il consiste en ce que l'espace est fondé sur l'abîme infinitaire du continu ; 2) d'autre part, l'éventuel divorce entre l'espace et le continu dans l'aire mathématique n'est pas celui d'une réflexivité purement conceptuelle du continu avec un positivisme géométrique, n'équivaut pas à une rupture disciplinaire ; il est plutôt le symptôme de la dérive d'une herméneutique à l'égard d'une autre, au sein d'un continent juridique commun définissant la discipline (la mathématique ensembliste), cette dérive pouvant, à la limite, induire une refonte de ce sol juridique, sans que jamais il soit question pour autant de nier l'unité des mathématiques, à comprendre ici comme l'unité ultime de responsabilité de la communauté mathématique à l'égard des trois questions Qu'est-ce que l'espace?”, “Qu'est-ce que le continu?” et “Qu'est-ce que l'infini?”.

  4. Le bonheur est dans les airs

    OpenAIRE

    Robène, Luc; Bodin, Dominique; Héas, Stéphane

    2010-01-01

    A partir des années 1880, en France, la dimension touristique des ascensions en ballon prend une importance croissante. En marge des pratiques strictement utilitaires de l'aérostation s’élabore un univers davantage tourné vers la communion et / ou vers le face-à-face de l'homme avec la nature en altitude. L'observation du milieu aérien, la confrontation avec la sauvagerie des éléments et le bien-être que l'environnement vierge des hauteurs est susceptible de procurer aux aéronautes constituen...

  5. Le CRDI au Népal

    International Development Research Centre (IDRC) Digital Library (Canada)

    Au cours des années 1980 et 1990, les recherches menées dans le domaine de la phytosélection ont donné lieu à l'amélio- ration du rendement de céréales telles que le mil et l'orge. Par la suite, d'autres activités de recherche ont rendu les agriculteurs mieux en mesure de préserver la diversité génétique de leurs cultures ...

  6. Keeping Score: Direct Student Lending. An Evaluation Prepared for the Iowa College Student Aid Commission and the Iowa Student Loan Liquidity Corporation.

    Science.gov (United States)

    Chance, William

    This paper provides recommendations for the development, implementation, and evaluation of a demonstration program designed to assess direct lending as a replacement for the current federal student loan program. It offers a list of principles which the demonstration project should address. Recommendations include: (1) maintenance of student…

  7. Le stéréotype dans le roman policier

    Directory of Open Access Journals (Sweden)

    Marion François

    2009-12-01

    Full Text Available Le roman policier offre à l’étude du stéréotype une grande variété de redondances, lexicales et structurelles, qui permettent d’éclairer le concept même de genre, en fait issu du constat de stéréotypie. Il est également manifeste que contrairement aux idées reçues, les clichés font du texte policier un texte littéraire, parce qu’ils naissent d’images associées, distinctes de la réalité, qui révèlent d’ailleurs le cheminement même de l’écriture. Par ailleurs ces images jouent un rôle fondamental dans le plaisir du lecteur, comme dans les contes de fées de notre enfance. Les clichés ouvrent la porte des fantasmes : le stéréotype rejoignant l’archétype, les clichés policiers réactivent de nombreux mythes, le texte évoquant l’Autre Scène. Le constat de stéréotypie provoque l’écriture, en particulier parodique, et stimule le renouvellement et l’essaimage des clichés dans toutes sortes de textes, qui bénéficieront de la présence du déjà-lu, laquelle donne au lecteur une assise pour affronter l’inconnu et une expérience pour apprécier la nouveauté.

  8. Lele de l'énergie dans le développement rural | CRDI - Centre de ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    21 oct. 2010 ... L'énergie est sans aucun doute l'un des principaux moteurs du ... de ses recherches sur l'énergie, l'environnement et le développement rural. ... Durban, Mumbai et Rio illustrent la croissance rapide et la transformation qui a ...

  9. Le Peer to Peer: Vers un Nouveau Modèle de Civilization

    Directory of Open Access Journals (Sweden)

    Michel Bauwens

    2006-06-01

    Full Text Available Le « peer to peer » est la dynamique intersubjective caractéristique des réseaux distribués. Le but de cet essai est de montrer qu'il s'agit d'une véritable nouvelle forme d’organisation sociale, apte à produire et échanger des biens, à créer de la valeur. Celle-ci est la conséquence d'un nouvel imaginaire social, et possède le potentiel de devenir le pilier d'un nouveau mode d'économie politique, voire d'un nouveau type de civilisation. Pour cela, nous allons d'abord définir le P2P, décrire en bref ces manifestations, et le différencier d'autres modalités d'échange intersubjectif tel que le marché, la hiérarchie, l'économie du don.Comme principale modalité P2P nous distinguons: Les processus de production P2P, comme troisième mode de production, qui n'est ni géré par un mode hiérarchique ou par l'état, ni répondant à des impératifs de profit ou qui sont modulés par le biais des prix. Les processus de gouvernance P2P, qui gouverne ces processus de production. Les formes de propriété P2P, qui sont destine a empecher l’appropriation prive de cette production pour le commun.Afin d’examiner les characteristiques de cette nouvelle dynamique sociale, nous utilisons la typologie intersubjective de l’anthropologue Alan Page Fisque, qui distingue: 1. l'échange égalitaire (Equality Matching, c..a.d l’economie du don. 2. La relation d’autorité (Authority Ranking tel qu’elle s’exprime dans le mode hierarchique. 3. le marché (Market Pricing. 4. la participation commune (Communal Shareholding.En conclusion, nous examinons les possibilites d’expansion de ce nouveau mode sociale et son insertion dans l’economie capitaliste, en nous nous posons la question: le P2P peut-il etre concu comme alternative sociale et economique aux modeles existants.

  10. Development, validation, and utility of an instrument to assess core competencies in the Leadership Education in Neurodevelopmental and Related Disabilities (LEND) program.

    Science.gov (United States)

    Leff, Stephen S; Baum, Katherine T; Bevans, Katherine B; Blum, Nathan J

    2015-02-01

    To describe the development and psychometric evaluation of the Core Competency Measure (CCM), an instrument designed to assess professional competencies as defined by the Maternal Child Health Bureau (MCHB) and targeted by Leadership Education in Neurodevelopmental and Related Disabilities (LEND) programs. The CCM is a 44-item self-report measure comprised of six subscales to assess clinical, interdisciplinary, family-centered/cultural, community, research, and advocacy/policy competencies. The CCM was developed in an iterative fashion through participatory action research, and then nine cohorts of LEND trainees (N = 144) from 14 different disciplines completed the CCM during the first week of the training program. A 6-factor confirmatory factor analysis model was fit to data from the 44 original items. After three items were removed, the model adequately fit the data (comparative fit indices = .93, root mean error of approximation = .06) with all factor loadings exceeding .55. The measure was determined to be quite reliable as adequate internal consistency and test-retest reliability were found for each subscale. The instrument's construct validity was supported by expected differences in self-rated competencies among fellows representing various disciplines, and the convergent validity was supported by the pattern of inter-correlations between subscale scores. The CCM appears to be a reliable and valid measure of MCHB core competencies for our sample of LEND trainees. It provides an assessment of key training areas addressed by the LEND program. Although the measure was developed within only one LEND Program, with additional research it has the potential to serve as a standardized tool to evaluate the strengths and limitations of MCHB training, both within and between programs.

  11. La science, la littérature, le rituel: le vrai dire et le plus que mentir

    Directory of Open Access Journals (Sweden)

    Panagiotis Christias

    2005-03-01

    Full Text Available Le scientifique promet la vérité sans être en mesure d'accomplir sa promesse tandis que l'écrivain promet de mentir mais par son mensonge, il fait plus que mentir. Il ne dit certainement pas la vérité, car la vérité n'est pas sa préoccupation première. Voilà comment nous pouvons résumer les deux attitudes, condamnées à un antagonisme stérile par l'attitude positiviste moderne. Compte tenu donc de l'intention fondatrice de la science, de sa promesse donc originaire et fondatrice, la science doit dire la vérité et rien que la vérité. Ce qui, de l'aveu même de cette même science, est impossible. [...] La littérature se permet de reconstruire des mondes par-delà le vrai et le faux. [...] Un récit littéraire ne demande pas la consécration de la vérité, ne demande pas à être suivi parce que vrai, n'impose rien et n'attend rien. Sa vraie destinée est l'errance et sa vraie conscience est celle de sa dissémination. Celui qui renonce à la prétention de vérité renonce en même temps à la volonté de dominer. Dominer signifie créer un espace de vérité dans lequel celui qui énonce la vérité est le maître légitime de ceux qui sont dans le champ de la conception du monde dont cette vérité est la pierre angulaire.

  12. Pronto chi parla. Cesare e le intercettazioni telefoniche

    Directory of Open Access Journals (Sweden)

    Paolo Caponi

    2010-03-01

    Full Text Available Pronto chi parla. Cesare e le intercettazioni telefoniche (Ugo Guspini, L’orecchio del regime. Le intercettazioni telefoniche al tempo del fascismo, Milano, Mursia, 1973, pp. 262 di Paolo Caponi

  13. The Status of Bank Lending to SMEs in the Middle East and North Africa Region : Results of a Joint Survey of the Union of Arab Bank and the World Bank

    OpenAIRE

    Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas

    2011-01-01

    Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems...

  14. Plaidoyer pour le lavage de nez dans les pathologies naso ...

    African Journals Online (AJOL)

    Le lavage de nez permet l'humidification des muqueuses partant favorise le nettoyage mucociliaire en enlevant voire diminuant les croutes favorise leur élimination et ainsi la guérison en réduisant le recours aux antibiotiques [4-10]. Sans danger, le lavage de nez est bien tolérée tant chez les enfants que chez les adultes.

  15. Centre de recherches pour le développement international ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    André Lavoie

    Definitions. 5. Rôles et ... a) Le Centre de recherches pour le développement international (CRDI) est une société d'État canadienne à .... conduite éthique dans le cadre de ces activités afin que la confiance du public dans .... a) Les gouverneurs en déplacement pour le compte du CRDI ont droit à une indemnité de repas et ...

  16. PERFORMANCE ET RESTRUCTURATION: LE CAS SAÏDAL ...

    African Journals Online (AJOL)

    performance de SAÏDAL suite à sa restructuration débutée en 1997. Le concept de ... millions d'actions. Du point de vue du management, SAÏDAL adopte le tableau de .... Méthodes et Pratiques de la Performance : Le Guide du Pilotage. ... performance des entreprises, Kaplan et Norton proposèrent le tableau de bord ...

  17. Gestion du Centre | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le Comité de gestion du Centre (CGC) est composé des membres de la haute direction du CRDI, notamment les directeurs de nos quatre bureaux régionaux et de nos principaux secteurs de programme. Le CGC travaille en collaboration avec le président afin de soutenir la recherche pour le développement, lui fournissant ...

  18. "Le CERN restera un grand employeur"

    CERN Multimedia

    Monin, V

    2002-01-01

    "Pour le porte-parole du CERN, la suppression de 600 postes d'ici 2007 était prévue depuis bien longtemps. Il s'agit de départs en retraite qui ne sont en aucun cas liés au dépassement du budget du LHC" (1 page).

  19. Le Chatelier's Principle, Temperature Effects, and Entropy.

    Science.gov (United States)

    Campbell, J. Arthur

    1985-01-01

    One of the most useful methods of understanding chemical equilibria is provided by Le Chatelier's principle. The relationships between this principle, temperature, and entropy are discussed. Tables with thermodynamic data for some net reactions commonly used to illustrate the principle and for reactions involving gases are included. (JN)

  20. Microscopic Description of Le Chatelier's Principle

    Science.gov (United States)

    Novak, Igor

    2005-01-01

    A simple approach that "demystifies" Le Chatelier's principle (LCP) and simulates students to think about fundamental physical background behind the well-known principles is presented. The approach uses microscopic descriptors of matter like energy levels and populations and does not require any assumption about the fixed amount of substance being…

  1. Le Chatelier's principle in replicator dynamics

    Science.gov (United States)

    Allahverdyan, Armen E.; Galstyan, Aram

    2011-10-01

    The Le Chatelier principle states that physical equilibria are not only stable, but they also resist external perturbations via short-time negative-feedback mechanisms: a perturbation induces processes tending to diminish its results. The principle has deep roots, e.g., in thermodynamics it is closely related to the second law and the positivity of the entropy production. Here we study the applicability of the Le Chatelier principle to evolutionary game theory, i.e., to perturbations of a Nash equilibrium within the replicator dynamics. We show that the principle can be reformulated as a majorization relation. This defines a stability notion that generalizes the concept of evolutionary stability. We determine criteria for a Nash equilibrium to satisfy the Le Chatelier principle and relate them to mutualistic interactions (game-theoretical anticoordination) showing in which sense mutualistic replicators can be more stable than (say) competing ones. There are globally stable Nash equilibria, where the Le Chatelier principle is violated even locally: in contrast to the thermodynamic equilibrium a Nash equilibrium can amplify small perturbations, though both types of equilibria satisfy the detailed balance condition.

  2. ON THE LE CHATELIER-SAMUELSON PRINCIPLE

    OpenAIRE

    ANDERSON, Richard K.; TAKAYAMA, Akira

    1992-01-01

    This paper obtains a method to derive the Le Chatelier-Samuelson Principle. Not only is it simpler and more straightforward than other methods in the literature, but also it enables us to obtain important results which are not readily accessible otherwise.

  3. Le Chatelier--Right or Wrong?

    Science.gov (United States)

    Helfferich, Friedrich G.

    1985-01-01

    Presents a class exercise designed to find out how well students understand the nature and consequences of the mass action law and Le Chatelier's principle as applied to chemical equilibria. The exercise relates to a practical situation and provides simple relations for maximizing equilibrium quantities not found in standard textbooks. (JN)

  4. Le Débat des semences

    International Development Research Centre (IDRC) Digital Library (Canada)

    Équilibrer les obligations issues de traités ...... Bien que les opinions diffèrent sur le caractère moral et la sécurité des cultures ...... Anonyme, citant William Haseltine, P.D.G. de Human Génome Sciences, Inc., Company Hopes Gène Trawl Will ...

  5. The LeChatelier-Samuelson principle revisited

    NARCIS (Netherlands)

    Dietzenbacher, E

    1992-01-01

    Within the context of a linear Leontief model, the LeChatelier-Samuelson principle examines the effects of an increase in some final demand on the output levels under the constraint that the production of certain goods is held at its original value. The principle states that the increase in any

  6. Le rêve dans la psychanalyse

    Czech Academy of Sciences Publication Activity Database

    Pechar, Jiří

    2016-01-01

    Roč. 12, č. 3 (2016), s. 1-5 ISSN 1336-6556 Institutional support: RVO:67985955 Keywords : psychoanalysis * dream-work * condensation * displacement * screen-memory * Freud Subject RIV: AA - Philosophy ; Religion http://www.ostium.sk/sk/le-r%c8%87ve-dans-la-psychanalyse/

  7. Le Shuttle, the locomotive from Eurotunnel

    OpenAIRE

    Gabriel MOISA

    2002-01-01

    This paper present some performances of locomotive ‘Le Shuttle’, so-called locomotive from ‘Eurotunnel’, techniques characteristics of traction motors 6 FHA 7079 and converters witch use it, the principal electric scheme and its function principle and no at last rind the principle scheme of command-control equipment MICAS-S2 with detailed description of its operation mode.

  8. LES MISSIONS DE PAIX ET LE CANADA

    International Development Research Centre (IDRC) Digital Library (Canada)

    Cambodge : Politique étrangère et missions de paix ...... Cette force constituerait la réserve stratégique du Conseil de sécurité, qui pourrait la ...... le recrutement se faisait par clan, les nouvelles recrues étant placées dans des unités de leurs ...

  9. LE SYSTEME ALGERIEN DE PROTECTION SOCIALE : ENTRE ...

    African Journals Online (AJOL)

    Son plan de sécurité sociale s'inscrivait dans une politique d'ensemble à dominante ..... article, le non payement des cotisations par les entreprises et les ..... la stratégie de développement17 suivie par l'Etat après l'indépendance. Mais ce ...

  10. Con la testa fra le nuvole

    Directory of Open Access Journals (Sweden)

    André Greboge

    2015-06-01

    Full Text Available Partitura de Con la testa fra le nuvole, composta em 2015 para piano e harpa de pedais. Este memorial apresenta as notas sobre a obra e a organização do processo composicional, baseada em um insight composicional a partir da ideia de complexidade apresentada por James Tenney em Meta Meta-hodos (1988.

  11. Luther contre le protocole de Kyoto ou le retour des « indulgences ».

    Directory of Open Access Journals (Sweden)

    Bernard Jouve

    2005-05-01

    Full Text Available Le 16 février 2005 a marqué la mise en œuvre du Protocole de Kyoto. En fait, depuis l’annonce par la Russie, le 25 octobre 2004, de sa décision de ratifier ce protocole, l’affaire était entendue. Menacé depuis le refus des États-Unis, l’un des plus grands pollueurs de la planète, de ne pas le ratifier pour des raisons purement économiques alors que ce pays produit à lui seul 40 % des gaz à effet de serre ( ges , l’accord survenu à Kyoto en 1997 est enfin entériné et ...

  12. Intelligence artificielle et agents collectifs : le modèle EUROSIM

    Directory of Open Access Journals (Sweden)

    Denise Pumain

    2007-07-01

    Full Text Available EUROSIM est un modèle multi-agents conçu pour simuler l’évolution à moyen terme du système des villes européennes. Les agents sont des entités collectives, les grandes villes caractérisées par leur taille et leur fonction dans le système des villes, et dont les interactions (échanges modulés par des relations de proximité ou de réseau déterminent la dynamique relative, tandis que la croissance d’ensemble dépend de l’innovation. Des outils d’analyse multiscalaire ont été développés afin d’interpréter les sorties du modèle et faciliter le calibrage.

  13. le 3 : Quels impacts sur le financement des pays émergents ?

    OpenAIRE

    Figuet, Jean-Marc; Humblot, Thomas; Lahet, Delphine

    2013-01-01

    La persistance de crises bancaires démontre l'incapacité des établissements de crédit à s'autoréguler. De ce fait, le Comité de Bâle étend largement le périmètre de la nouvelle règlementation prudentielle. Sur la base de la littérature sur les déterminants des flux de capitaux transfrontières et d'un GMM système, cet article analyse l'impact potentiel de l'accord Bâle 3 sur les flux de capitaux bancaires provenant des banques de 16 pays industrialisés à destination d'un panel de 30 pays émerg...

  14. Tabagisme et dysfonction erectile chez les personnes vivant avec le ...

    African Journals Online (AJOL)

    La dysfonction erectile (DE) est un probleme de sante publique qui altere la qualite de vie des patients. Chez les personnes infectees par le VIH, le tabagisme en association ii d'autres facteurs pourrait accroitre le risque de survenue de ce trouble. L'objectif de cette etude est de determiner la prevalence de laDE, les ...

  15. Gestion communautaire des ressources naturelles dans le Parc ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    En 2002, le Mozambique, l'Afrique du Sud et le Zimbabwe ont signé un accord établissant le Parc transfrontalier du Grand Limpopo (Greater Limpopo Trans Frontier Conservation Area), qui relie entre eux des parcs nationaux des trois pays et un ensemble de terres relevant pour la plupart de régimes fonciers communaux.

  16. Initiative Think tank | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    L'ITT est le fruit d'un partenariat regroupant cinq bailleurs de fonds. Lancée en 2008, l'ITT est administrée par le Centre de Recherches pour le Développement International (CRDI), un organisme canadien.

  17. Publications | Page 160 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    africain. Il y a deux ans, le Centre de recherches pour le développement ... African Youth on the Information Highway : Participation and Leadership in Community Development. Tout comme elle l'a fait dans le Nord industrialisé, la révolution de ...

  18. Publications | Page 162 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    africain. Il y a deux ans, le Centre de recherches pour le développement ... African Youth on the Information Highway : Participation and Leadership in Community Development. Tout comme elle l'a fait dans le Nord industrialisé, la révolution de ...

  19. On Leśniewski’s Characteristica Universalis

    NARCIS (Netherlands)

    Betti, A.

    2010-01-01

    Leśniewski's systems deviate greatly from standard logic in some basic features. The deviant aspects are rather well known, and often cited among the reasons why Leśniewski's work enjoys little recognition. This paper is an attempt to explain why those aspects should be there at all. Leśniewski

  20. Kuidas kirjutatakse ajalugu? / Jacques Le Goff ; interv. Marek Tamm

    Index Scriptorium Estoniae

    Le Goff, Jacques

    2007-01-01

    Prantsuse ajaloolase ja ajakirja Annales ühe peatoimetaja J. Le Goff'i teostest. Varem. ilm.: Ajalugu, antropoloogia ja imaginaarsus : intervjuu Jaques Le Goffiga // Le Goff, Jacques. Raha või elu : majandus ja religioon keskajal. - Tallinn, 2001. - Lk. 108-126

  1. Voir tous les projets | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    causant les tumeurs) qui vise à interrompre l'expansion des cellules ayant un potentiel de malignité. Région(s): Canada, Israel, Brazil. Financement total : CA$ 669,800.00. Lele de l'IL6 dans le cancer du foie lié à l'hépatopathie métabolique.

  2. Publications | Page 173 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    E-Commerce in the Asian Context : Selected Case Studies. Le commerce électronique en Asie retient beaucoup l'attention en raison de la prolifération des connexions Internet et des technologies connexes dans la région. Face à cette tendance, le Centre de recherches pour le développement international (.

  3. Lele des chefs traditionnels en Afrique | CRDI - Centre de ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    14 juil. 2011 ... Se fondant sur ces expériences, Ray, présentement professeur de sciences politiques à l'Université de Calgary, a mené un nouveau projet sur lele des chefs traditionnels dans la gouvernance locale en Afrique. Bien qu'il soient souvent ignorés par les organismes de développement international, les ...

  4. pour le trimestre qui a pris fin le 31 décembre 2012

    International Development Research Centre (IDRC) Digital Library (Canada)

    acray

    31 déc. 2012 ... -24,8 %. Contributions de bailleurs de fonds. Financement de la programmation en recherche pour le développement. 39 837. 11 122. 9 044. 11 376. -20,5 %. 29 081. 25 399. 25 400. 0,0 % ..... internationales d'information financière (normes IFRS) telles que publiées par le Conseil des normes comptables ...

  5. pour le trimestre qui a pris fin le 30 septembre 2012

    International Development Research Centre (IDRC) Digital Library (Canada)

    acray

    30 sept. 2012 ... recommande de lire ce rapport en parallèle avec les états financiers non audités (à la page 9). L'information et les .... développement ont augmenté de 56,9 % par rapport au même trimestre de l'exercice 2011-2012 ..... IFRS) telles que publiées par le Conseil des normes comptables internationales (CNCI).

  6. Rapport financier trimestriel pour le trimestre qui a pris fin le 31

    International Development Research Centre (IDRC) Digital Library (Canada)

    Office 2004 Test Drive User

    31 déc. 2016 ... Le CRDI finance des travaux de recherche appliquée ... développement international (le Centre) et lʼévolution de la ...... voie de développement et sur la mise en oeuvre des connaissances scientifiques, techniques et autres en vue du .... vertu d'accords de contribution conclus avec des bailleurs de fonds.

  7. Le partenariat mondial sur les données ouvertes pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Les données ouvertes favorisent le changement. Au Brésil, au Népal et au Nigeria, certaines personnes utilisent les données publiquement accessibles sur le budget gouvernemental pour repérer et combattre la corruption. Des analystes de données et des développeurs en TI d'autres pays en développement améliorent ...

  8. Rapport financier trimestriel pour le trimestre qui a pris fin le 31

    International Development Research Centre (IDRC) Digital Library (Canada)

    Sophie Comeau

    31 déc. 2011 ... politiques, de chercheurs et de collectivités de par le monde. ..... qui a été choisi à l'issue d'un processus de recrutement mené ... Les bureaux régionaux constituent une ressource stratégique et un élément clé du modèle de.

  9. Vers une plus grande collaboration régionale — le CRDI appuie le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    26 janv. 2011 ... Richard Fuchs croit que les gens qui veulent comprendre comment le monde évolue devraient jeter un coup d'oeil à la vague de transformations qui déferle sur ... Bien qu'ils aient souvent de la difficulté à se démarquer face à la véritable dynamo économique qu'est la Chine, des pays tels que le Laos, ...

  10. Le point sur le sida, l'alimentation et la nutrition | IDRC - International ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    14 oct. 2010 ... Selon le Programme alimentaire mondial (PAM), 22 des 30 pays à risque élevé ayant besoin d'une aide alimentaire extérieure se trouvent en Afrique subsaharienne, où de nombreux États sont aux prises avec une grave épidémie de sida. Étant donné que le VIH touche les travailleurs dans la force de ...

  11. Protocole d'entente entre le gouvernement de l'Inde et le CRDI ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    22 févr. 2018 ... Ce protocole d'entente réaffirme un engagement commun envers les données probantes et l'innovation en Inde en vue de favoriser le progrès social et ... Des chercheurs appuyés par le CRDI parlent de leurs expériences au Comité sur les ONG lors du forum de la Commission de la condition de la femme.

  12. Le devenir actif du corps affectif

    Directory of Open Access Journals (Sweden)

    Pascal Séverac

    2005-09-01

    Full Text Available Le but de cet article est de saisir ce que signifie, pour le corps, être actif. À partir de la proposition 49 de la partie IV de l’Éthique, on propose de distinguer deux manières d’appréhender le corps – soit comme corps organique, soit comme corps affectif -, et l’on montre que la question éthique du devenir actif s’adresse à la dimension affective du corps. Il faut penser le devenir actif du corps affectif comme augmentation de son aptitude non seulement à affecter, mais aussi à être affecté. En effet, être affecté pour le corps n’est pas identique à pâtir : au contraire, plus est grande l’ouverture sensible d’un corps aux autres corps, plus est grande son activité éthique.The aim of this paper is to understand how the body can be active. With the proposition 49 of the fourth part of Ethics, two ways of conceiving of the body are distinguished : like an organic body or like an affective body. The ethics question of becoming active is about the affective body. This becoming active must be understood as increasing of the ability to affect, as well as to be affected. To be affected is different from to be passive. On the contrary, the more the body is able to be affected, the more he becomes active.

  13. Gossip Girls : lele du potin dans quelques romans pour adolescentes

    Directory of Open Access Journals (Sweden)

    Daniela Di Cecco

    2014-04-01

    Full Text Available Cet article explore lele joué par le potin dans une sélection de romans anglophones publiés aux Etats-Unis et au Canada pour adolescentes et préadolescentes. Des études psychologiques et sociologiques récentes sur les agressions féminines et la façon dont les filles infligent de la peine aux autres filles de façon indirecte et voilée servent de cadre à notre analyse. Le fait que la violence physique soit considérée comme un comportement réservé aux garçons et donc inapproprié pour les filles, incite les adolescentes à agir autrement. Le potin devient parfois une arme pour marginaliser ou punir une fille, mais il peut aussi jouer un rôle positif au niveau de la cohésion d’une bande et de la solidarité entre filles.

  14. The Victory of Anti-Hitler States in the Second World War. The Lend-lease Factor

    Directory of Open Access Journals (Sweden)

    N P Parkhitko

    2015-12-01

    Full Text Available The article is focused on the economic aspect of military cooperation between the USSR and the western Allies (first of all, with the USA and Great Britain during the period of the WW II. The statistic data of the military equipment, sent to the USSR by the Allies through Lend-Lease is compared to the statistics of the Soviet domestic military production during the Great Patriotic War. Also the material and human losses of the USSR and the Allies are compared. As the result of the comparison the crucial military, political and economical input of the USSR in the Victory of Anti-Hitler states in the Second World War is advocated. The goal is also to eliminate the pseudo-historic attempts of denigrating the role of the Soviet Union in the Second World War and even its struggle in the period of the Great Patriotic War. Such attempts are being intensified in the last decades especially in the western countries and their message, in the opinion of the author, is to downplay the role of our country on the international arena as it tends to be in the political conjuncture of the early XXI century.

  15. Kanosa- Lending an Ear to the Body and Mind Secrets of Rural Women:Thoughts on Health and Modernity

    Directory of Open Access Journals (Sweden)

    Satlaj Dighe

    2011-10-01

    Full Text Available This review article discusses the text Kanosa - Grameen Streechya Sharir ani Manatil Gupitancha, translated as ‘Lending an Ear to the Secrets of Body and Mind of the Rural Woman’ by Dr. Rani Bang. The original text provides detailed information on various life-cycle health experiences of women; illness categories (nosography; health practices; sexualities; diets and local life-worlds of health and bodily experiences based on the in depth discussions with local women. In the context of current trends and prevailing ideologies in the community health sector of India, our critical review highlights the significance of the approach adopted by Dr. Rani Bang in locating health as an integral part of culture.We seek to introduce important discussions in Bang’s text on ethnophysiology, local categories of diseases and their implications on modern community health interventions, as ell as the definitions of the normal, abnormal and pathological as provided by the local community. In light of these discussions, we  examine certain characteristics of the modern Indian community health sector such as its inability to work with local epistemologies of health and illness and its philosophical reliance on Cartesian dualism and western notions of personhood. Certain features of community health such as complete separation of fertility and sexuality as well as the exclusively nutritional approach to dietary phenomena are also reviewed with reference to Kanosa and other significant literature. 

  16. ACCOUNTING TECHNIQUES SPECIFIC TO EXPORTS OF GOODS ON ITS OWN BEHALF WITH LONG-TERM COMMERCIAL LENDING

    Directory of Open Access Journals (Sweden)

    Paliu - Popa Lucia

    2012-12-01

    Full Text Available Starting from the consideration that, under increasingly fierce global competition, no country can remain passive on the results arising from international commercial transactions, developing countries and thus foreign trade companies have developed in turn, financial and institutional mechanisms aimed at continuous improvement of their position in global trade, the context in which the export of complex goods, of high values is performed, operation that requires a great financial of those entities, covered by financing of the international delivery from bank loans whose repayment term is longer than one year. Looking from this perspective, the scientific approach made at the entities carrying out foreign trade activities is aimed at developing accounting models specific to the export made on its own behalf with long-term commercial lending, procedures that will be formulated in congruence with the level and structure of the foreign price, the delivery term of the goods and the settlement term of debts or receivables, so that the accounting analysis should enable us to draw relevant conclusions that will help guide the management decisions to adopt those forms to achieve external transactions that are deemed to be the best.

  17. The difference between lending interest rate and funds interest rate. Link with sustainable banking. Particularities of Romanian Market

    Directory of Open Access Journals (Sweden)

    Cristian Gheorghe Iacob

    2015-05-01

    Full Text Available The article, is trying to capture the way difference between active and passive interest rates influence macroeconomic sustainable development in a country. However the theory is limited on this area and the author is intending to merge practical aspects with conceptual terms. The role of banks in an economy is very important, as all inflows and outflows are done through financial institutions. Bank sustainability is the area of study and practice that captures the contribution of banks in sustainable development of a country. Banking instruments are the means by which banks are present and act in the economy. Banking techniques are the mechanisms of banking instruments. The most important banking instruments are the loans and the deposits. So banks take deposits from different entities and use them as resource to finance other entities. A bank is considered contributing to sustainable development, if lending divisions allocates resources to investments that bring long-term welfare to the community not only for today people, but for future generations. Therefore, we can establish a correlation between banking sustainability and sustainable development through the evolution of banking instruments. Looking to detail, bank sustainability is highly affected by the local macroeconomic issues, but also from global influences.

  18. Effet du stress salin sur le comportement physiologique et ...

    African Journals Online (AJOL)

    SARAH

    30 juin 2013 ... rapidement dans les feuilles à partir de 25 mmol de NaCl. Le rapport de sélectivité K+/Na+ a été plus discriminant entre les variétés : Midass a présenté le rapport de sélectivité le plus élevé et Nabeul le rapport de sélectivité le plus faible. Conclusion et application : La variété Nabeul qui est de type piment ...

  19. Le Recul de la Forêt au Viet Nam

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le fait d'ignorer la réalité pragmatique dans un souci d'opportunisme politique ne ... Si le texte de l'étude que voici a été rédigé en solo, les choses ont été fort différentes sur ..... Parmi les ressources requises par le système mondial — mis en place par les .... Les guerres dont le Viet Nam a été le théâtre au cours du dernier ...

  20. La lipogenèse chez le lapin. Importance pour le contrôle de la teneur en lipides de la viande

    OpenAIRE

    Gondret, Florence

    1999-01-01

    La teneur en lipides d’un tissu est la résultante de plusieurs flux métaboliques (dépôt, synthèse, utilisation). Cet article présente les principales caractéristiques de la synthèse des lipides chez le lapin, dans le muscle comparativement aux tissus adipeux visibles et au foie. Le potentiel de synthèse de novo exprimé par le muscle augmente avec l’âge de l’animal, en parallèle à l’accumulation des triglycérides dans les adipocytes intramusculaires. L’activité des enzymes qui fournissent le N...

  1. La responsabilité de rendre compte : lele des médias dans le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    28 janv. 2011 ... Ce journaliste chevronné et professeur à l'École de journalisme et de communication de l'Université Carleton s'intéresse à l'histoire du Rwanda depuis qu'il a effectué son tout premier voyage dans ce pays africain, au milieu des années 1990. En 1996, en effet, il travaillait là-bas comme journaliste pour le ...

  2. Le Kongo de Sony Labou Tansi

    Directory of Open Access Journals (Sweden)

    Céline Gahungu

    2015-02-01

    Full Text Available Les textes inédits de Sony Labou Tansi proposent une réflexion sur l’histoire, et plus singulièrement sur celle du Kongo. Le souvenir du prestigieux royaume apparaît dès les premiers manuscrits, composés au début des années 1970. Loin d’être circonscrit aux écrits de jeunesse, le Kongo surgit sous de multiples formes dans le dédale des textes rédigés au cours des années suivantes. Cette fascination pousse l’écrivain dans une dynamique de recherche esthétique : comment évoquer cet illo tempore mythique sans sacrifier à une historicité convenue ? Comment inventer une écriture en mesure de rendre compte du fabuleux royaume ?L’analyse littéraire ne peut cependant faire fi du contexte politique dans lequel Sony Labou Tansi s’inscrit. Outre sa dimension historique et toponymique, Kongo est un ethnonyme dont l’auteur s’est réclamé. Celui-ci a revendiqué à de nombreuses reprises son appartenance à une identité kongo au point de s’être engagé, à la fin des années 1980, dans les rangs du MCDDI1. Ce discours identitaire et l’adhésion à un parti ethnique ont troublé l’image d’un auteur volontiers perçu comme un démocrate véritable. Est-il possible d’articuler le Kongo littéraire et le Kongo politique ? Le Kongo, dont l’ombre portée apparaît dans les manuscrits littéraires mais également dans les articles et les déclarations politiques, pourrait-il nous aider à saisir les enjeux de l’écriture protéiforme de Sony Labou Tansi ?

  3. La construction de la matière le modèle Standard

    CERN Document Server

    Léon, Jacques

    2016-01-01

    Qu'est-ce que la matière ? Voilà une question à laquelle il pourrait sembler facile de répondre car il n'est rien de plus concret que la matière. Et pourtant, la réponse qu'en donne la physique contemporaine est pour le moins déconcertante ! Le concept-même de particules, briques élémentaires de la matière, s'est volatilisé, dissout dans des objets mathématiques abstraits et abscons pour les non-initiés. Plus nos théories sont précises et plus l'image qu'elles nous renvoient est insaisissable. En un siècle, la représentation des particules s'est métamorphosée en nuages de probabilité portés par des champs quantiques régis par des symétries confinées dans des espaces abstraits. Mais dans un même temps, nous avons réussi le tour de force d'expliquer toute cette complexité avec seulement 16 particules… et une seule théorie, véritable construction de notre conception de la matière : le modèle standard. Ce livre tente de guider le lecteur dans le dédale de la physique des particu...

  4. Le corps dans l’espace architectural. Le Corbusier, Claude Parent et Henri Gaudin

    Directory of Open Access Journals (Sweden)

    Julie Cattant

    2016-12-01

    Full Text Available Le premier geste de l’espace architectural est d’accueillir nos corps humains. En leur offrant un espacement à habiter, il leur permet de s’abriter, de se mouvoir et de se rencontrer. L’homme et l’architecture s’affectent l’un l’autre. Nombreux sont les architectes qui interrogent cette coexistence car, renouveler la pensée de l’espace nécessite de reconsidérer le corps humain. L’étude des relations entre le corps et l’espace chez trois architectes français sera l’occasion d’évoquer les écarts et les convergences entre l’homme et l’architecture. L’œuvre de Le Corbusier, protagoniste du mouvement moderne, maintient ainsi une distance entre un corps machinisé et un espace idéal. Marquée par un mode de pensée dualiste, l’architecture de Le Corbusier annonce toutefois son propre dépassement, dépassement que Claude Parent et Henri Gaudin opèreront par la suite à leur manière, le premier en introduisant l’oblique et la déstabilisation du corps, le second en transgressant la limite de l’espace et du corps pour envisager leur porosité réciproque. Finalement, c’est la manière dont l’homme appréhende l’espace avec son corps qui est questionnée par ces trois architectes, de la prégnance du visuel à son évincement.

  5. Le Feu et ses Usages Militaires

    Directory of Open Access Journals (Sweden)

    Finó, J. F.

    1970-12-01

    Full Text Available LE feu a toujours été une arme puissante. L'homme préhistorique, les Assyriens, les Grecs, les Byzantins, les Arabes, les bombes incendiaires de notre aviation, autant d'exemples de son usage militaire dans des pays et des temps fort divers. De plus, une de ses variantes, le feu grégeois pulvérulent, a été à l'origine de la poudre à canon. Il a donc paru intéressant de rassembler quelques données à ce sujet et de rappeler briévement la production des feux de guerre, leur lancement et la défense contre ses effets. Accessoirement, de dire quelques mots sur une autre branche de la chimie de guerre: les gaz asphyxiants.

  6. Le matérialisme scientifique

    Science.gov (United States)

    Meunier, Jean-François

    2004-03-01

    De nos jours, il arrive quotidiennement aux grands hommes d'avoir à fréquenter d'ignorants mortels épris d'une conviction maladive que la science est la grande responsable de tous les maux du monde. Évidemment sans physique atomique, il n'y aurait pas eu d'Hiroshima et sans révolution industrielle, pas de pollution et etc. Cependant, ces accusations envers le progrès technique sont tout à fait injustes, irréfléchies et, j'irai même jusqu'à dire, irresponsables, puisque le calcul, i.e. la planification, même la plus élémentaire, est ce qui caractérise le mieux, pragmatiquement, la société humaine. À mon avis, les problèmes sociaux tireraient plutôt leur origine de sciences sociales irréalistes, qui, concrètment, inspireraient ou serviraient d'alibis à ceux qui détiennent véritablement le pouvoir. Dans cet article, je tenterai donc de démontrer la meilleure véracité et efficacité du matérialisme scientifique. Cette doctrine, dont Mario Bunge est le plus illustre représentant, s'appuy sur les résultats théoriques et expérimentaux des sciences factuelles ainsi que sur l'exactitude logique des mathématiques, utilisées ici comme langage universel de l'expression des idées. Cette conception philosophique qui s'inspire principalement du modèle des théories physiques, stipule que les réalités sociales sont, comme tout autre réalité, matérielles, mathématisables et représentables comme des systèmes en interaction. En fait, le modèle des physiciens ayant historiquement fait ses preuves en matière de testabilité et de cohérence interne est proposé d'être appliquer aux sciences sociales, aujourd'hui scindées des sciences dites pures sous l'inspiration des pseudo penseurs néo-kantiens, phénoménologiques et post-moderne. Cette nouvelle approche permettrait ainsi d'évoluer plus exactement vers une compréhension des bases sociales et biologiques du comportement humain afin de développer une éthique sans cesse plus r

  7. Le travail en évolution

    OpenAIRE

    Alexandre, Marie; Attali, Michaël; Baeza, Carole; Champy-Remoussenard, Patricia; Deschenaux, Frédéric; Deville, Julie; Gonin, Audrey; Guedj-Chauchard, Muriel; Guillemot, Valérie; Hardouin, Magali; Hébrard, Pierre; Labbé, Sabrina; Maillard, Fabienne; Roussel, Chantal; Saint-Martin, Jean

    2014-01-01

    Le travail est une réalité sociale souvent perçue comme « centrale » dans l’organisation de la société et soumise à des « métamorphoses » rapides et permanentes qui se répercutent sur les pratiques éducatives. À l’heure où le chômage et les formes de précarité vont grandissant, où la demande de professionnalisation des dispositifs de formation se fait pressante, des questions complexes pour la recherche en éducation se trouvent posées. Les processus de professionnalisation, s’ils interpellent...

  8. Aiutare le vittime della mafia a ribellarsi

    Directory of Open Access Journals (Sweden)

    Roberto Riccardi

    2007-09-01

    Full Text Available Nino Miceli is a Sicilian man, owner of a small business: at the beginning of 1990s he is concessionnaire of cars in Gela, an quite big town in Sicily. He works hard and soon he starts to earn a lot. Business is very good, and customers are satisfied and everything seems to go on successfully. But the mafia keeps an eye on him and, at a certain point, he was asked to pay them what in Italy is called “pizzo”. Nino Miceli does not want to pay it, he does not want to surrender to the mafia coercion. However, at the beginning he pays the “pizzo” but then he starts to record the conversation he has with those men (the “mafiosi”, in order to prove and demonstrate the crime. He also looks for protection at the local station of Carabinieri; finally, he decides to report the extortion but, from that time on, he starts to experience more and more serious threats.Helped by an officer of Carabinieri, he becomes a witness of justice and, for that reason, he must change his identity. He leaves Sicily along with his family and move into a different region of Italy, far from his town, where nobody knows him. In 2007 he decides to write a book of memories, titled “Io, il fu Nino Miceli” (in English it could sound like “I was Nino Miceli”. This article tells his story, speaking also about the role played by the Arma of Carabinieri in supporting victims of racket and usury.Nino Miceli est un entrepreneur sicilien originaire de Realmonte, une ville en province d'Agrigento. Au début des années 90, il est proprietaire du garage Lancia à Gela. Il s'engage beaucoup dans son travail et les résultats ne tardent pas à arriver. La clientèle augmente, les affaires vont bon train, mais c'est justement quand l'entreprise est en train de prospérer que la mafia lui demande des comptes. Il doit payer le pot-de-vin comme tous les commerçants du quartier. Nino Miceli n'est pas d'accord avec cela. Au début il subit, mais il commence bientôt

  9. Mel Gibson contre le boulevard Raspail

    Directory of Open Access Journals (Sweden)

    Boris Jeanne

    2007-03-01

    Full Text Available Que peuvent faire les historiens et les anthropologues spécialistes de l’Amérique face à la puissance médiatique et commerciale d’Apocalypto, le dernier film de Mel Gibson, produit par Buena Vista (c'est-à-dire Disney et ayant déjà engrangé plus de 50 millions de dollars de recette avant même sa sortie en France ? Le cinéma est un art du présent, et quelle que soit l’exactitude de la reconstitution historique qu’il prétend parfois présenter, il demeure un puissant vecteur d’analyse de la soc...

  10. Le Japon quatre fois frappé

    Directory of Open Access Journals (Sweden)

    Philippe Pelletier

    2011-03-01

    Full Text Available Illustration 1 – Hauteur du tsunami sur le littoral (en mètresSources : Brunet R. (dir, 1994. Géographie universelle. Belin/Reclus ;Pelletier Ph., Fournier C., 2008. Atlas du Japon. Autrement ; http://silatitudes.teledetection.fr/index.php :actualité/54-mapping-japan-earthquake-and-tsunami Dans un essai polémiste au destin retentissant, du moins auprès de ceux qui s’intéressent sérieusement à l’Asie orientale, le sinologue Jean François Billeter dénonçait l’approche néo-orientaliste du sino...

  11. Le boson et le chapeau mexicain un nouveau grand récit de l'univers

    CERN Document Server

    Cohen-Tannoudji, Gilles

    2013-01-01

    Le boson ? C'est l'ultime particule élémentaire prédite par la théorie de l'infiniment petit, qui manquait encore et dont la découverte, grâce au grand collisionneur de hadrons du CERN, a été annoncée au monde entier le 4 juillet 2012. Postulée en 1964 par Robert Brout, François Englert et Peter Higgs, elle explique que le photon - particule qui transmet la force électromagnétique - n'a pas de masse, à l'encontre de celles véhiculant la force faible. Une telle dissymétrie était a priori incompatible avec la symétrie fondamentale, dite «de jauge», sur laquelle est fondé le modèle standard de la physique des particules. Le chapeau mexicain ? C'est le mécanisme grâce auquel le boson rend compte, en préservant les acquis du modèle standard, de l'origine des masses des particules élémentaires. Le boson et le chapeau mexicain se placent à la croisée - retracée par les deux auteurs en dialogue avec François Englert - des chemins de l'évolution des théories de l'astrophysique contemp...

  12. Le point sur l'initiative NEHSI

    International Development Research Centre (IDRC) Digital Library (Canada)

    soient affectées de manière à avoir des effets tangibles. Elle a pour but de faire en sorte que les planificateurs .... à bien, et on en a fait la démonstration aux autorités. Mesure de la malnutrition dans le cadre de l'audit social ... infantile, y compris des médicaments, et l'amélioration du fonctionnement de ces établissements;.

  13. Les hybridations interspecifiques dans le genre Phaseolus ...

    African Journals Online (AJOL)

    La réussite de l'introgression de caractères utiles chez le haricot commun P. vulgaris à partir des deux espèces P. coccineus et P. polyanthus dépend en partie des génotypes utilisés. Ce travail vise à identifier des génotypes de Phaseolus compatibles lors des hybridations interspécifiques et à identifier les hybrides issus ...

  14. The Le Chatelier Principle in lattices

    OpenAIRE

    Julian Jamison

    2006-01-01

    The standard Le Chatelier Principle states that the long-run demand for a good (in which by definition there are fewer restraints on the variables) is more elastic than short-run demand. The fundamental insight above goes well beyond demand theory, and proofs of this basic idea have been found in various settings. Nearly all of these have been continuous optimization problems requiring assumptions on the continuity of the objective function and on the convexity of the choice set. However, the...

  15. Le Shuttle, the locomotive from Eurotunnel

    Directory of Open Access Journals (Sweden)

    Gabriel MOISA

    2002-12-01

    Full Text Available This paper present some performances of locomotive ‘Le Shuttle’, so-called locomotive from ‘Eurotunnel’, techniques characteristics of traction motors 6 FHA 7079 and converters witch use it, the principal electric scheme and its function principle and no at last rind the principle scheme of command-control equipment MICAS-S2 with detailed description of its operation mode.

  16. LE SECTEUR INFORMEL EN ALGERIE : APPROCHES, ACTEURS ...

    African Journals Online (AJOL)

    Résumé. Le secteur informel en Algérie est peu étudié de manière directe et .... très diverses que Bernard (1980,1988) a classées en 3 catégories plus ou moins .... sont amenés en raison de l'ambiguïté de la loi et de sa faible appli- cation à ...

  17. LE DÉVELOPPEMENT DÉMOCRATIQUE

    International Development Research Centre (IDRC) Digital Library (Canada)

    Il en est ainsi parce que les normes et les idéaux qui stimulent la recherche scientifique sont également au coeur de la ... les fondements de toute saine démocratie. De même, certaines des recherches appliquées qu'appuie le CRDI peuvent con- .... criminalité et de la violence. En outre, une fois choisi leur propre mode de.

  18. Un incidentalome surrenalien inhabituel: le ganglioneurome

    African Journals Online (AJOL)

    S. Attafi

    Résumé. Le ganglioneurome est une tumeur neurogène bénigne, rare, qui se développe à partir des cellules gan- glionnaires sympathiques. Elle se localise essentiellement dans la région rétropéritonéale. La localisation surrénalienne est rare. Nous rapportons un cas de ganglioneurome surrénalien chez une femme ...

  19. Focus : Le torrent de Faucon (Ubaye

    Directory of Open Access Journals (Sweden)

    Frédéric Liébault, Christophe Peteuil et Alexandre Remaître

    2010-09-01

    Full Text Available Le torrent du Faucon, dans la vallée de l'Ubaye, est connu pour ses nombreux phénomènes torrentiels. Les auteurs nous présentent ici l’étude du bilan sédimentaire du torrent du Faucon à travers l’exemple de la lave torrentielle du 5 août 2003.

  20. Kuues lend / Rait Avestik

    Index Scriptorium Estoniae

    Avestik, Rait, 1974-

    2007-01-01

    Tartu Ülikooli Viljandi kultruuriakadeemia teatrikunsti VI lennu diplomilavastused: Dario Fo "Müsterium buff", lavastaja Peeter Raudsepp; Anton Tshehhovi "Kolm õde", lavastaja-koreograaf Oleg Titov; Janusz Glowacki "Fortinbras jõi end täis", lavastajad Kalju Komissaarov ja Sven Heiberg. Lühidalt uutest diplomeeritud lavastajatest - Jaanika Juhanson ja Kati Kivitar

  1. Ohtlik lend / Iain Carson

    Index Scriptorium Estoniae

    Carson, Iain

    2006-01-01

    Majanduslikesse raskustesse sattunud Euroopa tsiviillennukite tootjat Airbus, mis kuulub Prantsuse-Saksa-Hispaania emafirmale European Aeronautic Defence and Space (EADS), ootab ees natsionaliseerimine kolme riigi poolt

  2. Lending bureaucracy voice

    DEFF Research Database (Denmark)

    Mortensen, Janus; Hazel, Spencer

    2017-01-01

    with institutional power. Methodologically, the chapter makes a case for the detailed study of social interaction in transient multilingual communities as a window on linguistic and social change, which may, as one avenue of future research, stimulate cross-fertilization between sociolinguistics and the emerging......This study explores how English, used in the context of university internationalisation, is habitually called upon to verbalize concepts and practices which are intimately tied to local settings but which do not necessarily have direct equivalents in English. Focusing on institutional encounters...... at a Danish university, the study illustrates how speakers negotiate expressions for local bureaucratic terms and procedures as well as their meaning, and argues that such instances of joint meaning making carry the potential to contribute to the hyper-local emergent register of English found in the setting...

  3. Supermani lend / Timo Diener

    Index Scriptorium Estoniae

    Diener, Timo

    2005-01-01

    Kuidas sündis legendaarne fantastiline seiklusfilm "Superman" : režissöör Richard Donner : nimiosas Christopher Reeve : Ameerika Ühendriigid 1978. Järgneb 14. veebr. 2005, lk. 38 ; 28. veebr. 2005, lk. 38

  4. Le Chien de faïence

    Directory of Open Access Journals (Sweden)

    Marie-Laure Schultze

    2011-11-01

    Full Text Available Marie-Laure Schultze est enseignante-chercheure depuis une vingtaine d'années. Elle a travaillé en Angleterre, au Canada et surtout en France, où elle est actuellement en poste à Aix-Marseille Université. Elle y a ouvert avec une collègue des ateliers (exceptionnellement rares dans les universités françaises de traduction créatrice et d’écriture plurilingue ; ces ateliers sont destinés à leurs étudiants apprenant l’anglais et consolidant le français. En parallèle, et dans les interstices laissés par sa recherche sur la place de l’écriture créatrice dans l’apprentissage des langues et sa famille (un compagnon et trois enfants constituent le noyau de la drupe, elle écrit et publie bon an mal an cahin caha ses textes (de la fiction courte, du théâtre, deux romans en chantier, des histoires pour enfants... sur son blog http://carnetdetextes.wordpress.com/

  5. Dictionnaire Le Robert et Collins anglais senior

    CERN Document Server

    2016-01-01

    Le plus complet et le plus actuel des grands dictionnaires bilingues anglais : près d'1 million de mots, expressions et traductions ; 2 dictionnaires de synonymes (un pour chaque langue) ; un dictionnaire business de 15 000 termes. La référence pour les ensiengnants et les traducteurs Une richesse inégalée de sens et de nuances : plus de 950 000 mots, expressions et traductions des milliers d'exemples tirés de la presse et de la littérature le vocabulaire terminologique : sciences, économie, nouvelles technologies,... tous les niveaux de langue : littéraire, familier, argotique... Une langue mise à jour et actuelle : des milliers de traductions nouvelles : zero-hour contract, sunset clause, culture fund... Une dimension internationale l'anglais britannique, américain, écossais, irlandais, australien... Les références culturelles anglo-saxonnes : institutions, traditions, événements, personnages importants, phrases célèbres de la littérature, du cinéma... Des aides pointues : 800 notes su...

  6. Thermo-pneumatic canning; Le gainage thermopneumatique

    Energy Technology Data Exchange (ETDEWEB)

    Gauthron, M [Commissariat a l' Energie Atomique, Saclay (France). Centre d' Etudes Nucleaires

    1958-07-01

    In the thermo-pneumatic canning, the fuel is enclosed in its can with a clearance that must be reduced by external heated gas pressure. The principal applications are: a) binding magnesium cans on to uranium in fuel elements of reactors cooled by CO{sub 2} under pressure, b) application of a can to a hollow bar of uranium too thin to resist the pressure of cold hydraulic canning, c) application of an aluminium can to a bar, with an initial diametrical clearance between uranium and can too great to sustain cold hydraulic canning without buckling, d) detection of major leakage in the slugs. (author) [French] Ce procede consiste a appliquer une gaine sur une barre d'uranium par pression hydrostatique d'un gaz chaud. Les principales applications sont: a) le frettage des gaines de magnesium des elements combustibles des piles refroidies au CO{sub 2} sous pression, b) le gainage d'un barreau creux qui serait ecrase a froid, c) le gainage avec un jeu initial trop fort pour etre effectue a froid sans plisser, d) la detection des fuites de cartouches. (auteur)

  7. Le Service Accueil et Contrôle d'Accès

    CERN Document Server

    Ducastel, C

    1999-01-01

    L'utilisateur qui vient au CERN pour la première fois, est accueilli généralement par les membres du service 'Accueil et Contrôle d'Accès'. Cet utilisateur sera tout d'abord orienté vers un des postes d'hôtesses d'accueil en charge de l'enregistrement et de la délivrance de cartes CERN. Les informations seront saisies et immédiatement disponibles et transmises, via le système AMS, aux équipements de contrôle d'accès et à la Centrale de Surveillance des accès, chargée de la supervision de tout le dispositif de contrôle d'accès au domaine. Ces contrôles aux entrées et accueil des visiteurs individuels sont complétés par des missions de surveillance à l'intérieur du Domaine pour les agents, et par des travaux de gestions de dossiers administratifs (service enregistrement) pour les hôtesses. Un contrat commun assure une uniformité de formation des agents et hôtesses. Ce contrat est assorti d'une clause de Bonus Malus afin de tendre vers une optimisation des performances.

  8. De quoi le genre est-il le nom ?

    OpenAIRE

    Andrieu, Bernard

    2013-01-01

    Cette note de lecture présente une courte évolution des travaux sur le genre sous l’angle du rapport au corps en démontrant comment la dénaturalisation du corps et du sexe biologique a conduit à une description culturaliste des fonctions individuelles et des rôles sociaux. Si le genre dénaturalise le corps c’est en refusant toute référence au sexe ou à la sexualité en tant qu’ils seraient des données naturelles. Depuis son apparition en 1947, sous la plume de John Money, psychologue chargé du...

  9. Le don gratuit. Le cas d'un établissement public

    OpenAIRE

    Barel , Yvan; Frémeaux , Sandrine

    2008-01-01

    Disponible en ligne : http://www.annales.org/gc/2008/gc94/barel.pdf; La logique de la réciprocité est le cadre d'analyse dominant de la relation de travail. La logique du don/contredon s'inscrit dans ce même cadre de référence, en postulant qu'aucune relation d'échange ne peut survivre à une situation d'asymétrie trop forte (MAUSS, 1924). Mais elle ajoute une idée nouvelle en mettant en exergue le " tabou du calcul " (BOURDIEU, 1980) : le désir de contredon n'est pas toujours manifesté, ni mê...

  10. Le Peer to Peer: Vers un Nouveau Modèle de Civilisation

    Directory of Open Access Journals (Sweden)

    Michel Bauwens

    2006-06-01

    Full Text Available Le « peer to peer » est la dynamique intersubjective caractéristique des réseaux distribués. Le but de cet essai est de montrer qu’il s’agit d’une véritable nouvelle forme d’organisation sociale, apte à produire et échanger des biens, à créer de la valeur. Celle-ci est la conséquence d’un nouvel imaginaire social, et possède le potentiel de devenir le pilier d’un nouveau mode d’économie politique, voire d’un nouveau type de civilisation. Pour cela, nous allons d’abord définir le P2P, décrire en bref ces manifestations, et le différencier d’autres modalités d’échange intersubjectif tel que le marché, la hiérarchie, l’économie du don. Comme principale modalité P2P nous distinguons: Les processus de production P2P, comme troisième mode de production, qui n’est ni géré par un mode hiérarchique ou par l’état, ni répondant à des impératifs de profit ou qui sont modulés par le biais des prix. Les processus de gouvernance P2P, qui gouverne ces processus de production. Les formes de propriété P2P, qui sont destine a empecher l’appropriation prive de cette production pour le commun. Afin d’examiner les characteristiques de cette nouvelle dynamique sociale, nous utilisons la typologie intersubjective de l’anthropologue Alan Page Fisque, qui distingue: 1. l’échange égalitaire (Equality Matching, c..a.d l’economie du don. 2. La relation d’autorité (Authority Ranking tel qu’elle s’exprime dans le mode hierarchique. 3. le marché (Market Pricing. 4. la participation commune (Communal Shareholding. En conclusion, nous examinons les possibilites d’expansion de ce nouveau mode sociale et son insertion dans l’economie capitaliste, en nous nous posons la question: le P2P peut-il etre concu comme alternative sociale et economique aux modeles existants. Abstract: “Peer to peer” is hypothesized as a new social formation with intersubjective dynamics characteristic of distributed

  11. Fonds d'innovation en vaccins pour le bétail : renforcement des ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Fonds d'innovation en vaccins pour le bétail : renforcement des capacités de recherche. Ce projet donne l'autorisation d'appuyer le renforcement des capacités afin de mettre en place le Fonds d'innovation en matière de vaccins pour le bétail et de le gérer. Le Fonds vise à financer le développement de vaccins de qualité ...

  12. Le paludisme, le tsunami silencieux d'Afrique | CRDI - Centre de ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    12 janv. 2011 ... Dans un élan de compassion fort justifié, le monde s'est porté au secours des victimes du tsunami qui a touché récemment la région de l'océan Indien. Mais il ignore qu'un « tsunami silencieux », le paludisme, s'abat sans cesse sur l'Afrique et y fait chaque année plus de 1,5 million de victimes, surtout de ...

  13. Le CRDI à la COP23 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    En collaboration avec ses bénéficiaires et partenaires, le CRDI anime et participe à une série d'activités et d'événements durant la COP23, y compris des événements parallèles officiels de la CCNUCC et des groupes d'experts, des groupes de discussion, des ateliers et la 15e édition des Journées sur le développement et ...

  14. Le discours des Comices : un discours modèle

    Directory of Open Access Journals (Sweden)

    Anne Herschberg Pierrot

    2009-10-01

    Full Text Available Dans un discours officiel, publié par le Journal de Rouen du 22 juillet 1853, Flaubert trouve une phrase du discours des Comices qu’il avait écrite la veille. Cet article présente et reproduit les discours cités par le Journal de Rouen.In an official speech, published in the Journal de Rouen on July 22nd 1853, Flaubert found a sentence from the Agricultural association (« Comices agricoles » speeches that he had actually written himself the previous evening. This article presents and reprints the speeches quoted by the Journal de Rouen.

  15. La nouvelle bourgeoisie islamique. Le modèle turc, de Dilek Yankaya

    OpenAIRE

    Lelandais, Gülçin Erdi

    2016-01-01

    De nombreux travaux sur la Turquie contemporaine ont été réalisés ces dernières années en France. La plus grande partie d’entre eux se focalise sur le champ politique et ses évolutions, les minorités ethniques — notamment les Kurdes –, et sur des mobilisations sociales, politiques et environnementales comme la mobilisation autour du parc Gezi. Le livre de Dilek Yankaya ouvre un nouveau champ d’analyse avec sa recherche, pionnière en son genre en France, qui étudie l’émergence d’une nouvelle é...

  16. Sauver le café | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    D'un tiroir de la collection entomologique de Cenicafé, où sont conservés 38 000 spécimens, Álvaro Gaitán extrait le coupable, un minuscule insecte brunâtre qui a fait perdre à lui seul un demi-milliard de dollars par an à l'industrie du café dans les dernières années. Le scolyte du caféier (la broca, en espagnol) se nourrit ...

  17. Le modèle judiciaire libéral mis à l’épreuve : la surveillance des juges sous le Directoire

    OpenAIRE

    Berger, Emmanuel

    2007-01-01

    La justice du Directoire est principalement identifiée aux différentes violations infligées par le gouvernement afin de contrôler le pouvoir judiciaire et durcir la répression criminelle. Cette représentation est, en réalité, partiale. L’auteur tente de le prouver à travers l’analyse d’un aspect essentiel du système judiciaire directorial : la surveillance des juges. L’étude des normes et des pratiques montre que le mode de surveillance établi par le code des délits et des peines respecte la ...

  18. Quel contrôle de gestion pour les startups ?

    OpenAIRE

    Meyssonnier , François

    2015-01-01

    Une étude de huit PME fondées sur la science permet d’identifier les spécificités du contrôle de gestion des startups. Dans les startups émergentes le dirigeant n’utilise que des linéaments de contrôle de gestion essentiellement pour développer son approche cognitive du business model. Dans les startups en croissance le contrôle de gestion a un rôle de garde-fou et les outils de pilotage de la performance sont utilisés essentiellement de façon interactive et pour la prévision. Les principaux ...

  19. Reformulation à l’oral et dans le forum Web

    Directory of Open Access Journals (Sweden)

    Eshkol-Taravella Iris

    2016-01-01

    Full Text Available Le cadre du travail réalisé entre dans le domaine de la linguistique de corpus et du Traitement Automatique des Langues (TAL. Les recherches sont fondées sur trois corpus : deux corpus oraux (ESLO1 et ESLO2 et un corpus composé de discussions collectées sur un forum de Doctissimo. Le travail vise à détecter, analyser et comparer la reformulation introduite par trois marqueurs (c’est-à-dire, je veux dire et disons dans le discours oral et le corpus écrit dialogique du Web. L’objectif est d’étudier la raison pour laquelle le locuteur décide de modifier un segment par un autre et de repérer un lien formel entre les deux segments reformulés aux différents niveaux linguistiques (morphologique, lexical, syntaxique, etc..

  20. Risk perception about medication sharing among patients: a focus group qualitative study on borrowing and lending of prescription analgesics

    Directory of Open Access Journals (Sweden)

    Markotic F

    2017-02-01

    Full Text Available Filipa Markotic,1 Davorka Vrdoljak,2 Marijana Puljiz,3 Livia Puljak,4 1Centre for Clinical Pharmacology, University Clinical Hospital Mostar, Mostar, Bosnia and Herzegovina; 2Department of Family Medicine, University of Split School of Medicine, Split, 3Family Medicine Clinic, Health Centre Imotski, Kamenmost, 4Laboratory for Pain Research, University of Split School of Medicine, Split, Croatia Background: One form of self-medication is sharing of medications, defined as borrowing or lending medications in situations where the receiver of these drugs is not the individual to whom the medications were allocated. Objective: To explore experiences and opinions of patients about sharing prescription analgesics, reasons for sharing prescription analgesics, the way in which patients choose to share those medications, their awareness of risk regarding sharing prescription analgesics, and how they estimated the potential risk.Methods: This qualitative study was conducted by focus group discussions with 40 participants led by a moderator trained in focus group methodology using a semi-structured moderator guide. Adults aged ≥18 years who had received a prescription for an analgesic at least once in a lifetime were included. Six separate focus groups were conducted to discuss participants’ perception of risks associated with sharing of prescription analgesics among patients. Additionally, participants filled out two questionnaires on demographic data, their own behavior regarding sharing analgesics, and their attitudes about risks associated with sharing prescription analgesics.Results: In a questionnaire, 55% of the participants indicated that they personally shared prescription analgesics, while subsequently in the focus group discussions, 76% confessed to such behavior. Participants recognized certain risks related to sharing of prescription analgesics, mentioned a number of reasons for engaging in such behavior, and indicated certain positive

  1. Moonshine: Diurnally varying hydration through natural distillation on the Moon, detected by the Lunar Exploration Neutron Detector (LEND).

    Science.gov (United States)

    Livengood, T A; Chin, G; Sagdeev, R Z; Mitrofanov, I G; Boynton, W V; Evans, L G; Litvak, M L; McClanahan, T P; Sanin, A B; Starr, R D; Su, J J

    2015-07-15

    The Lunar Exploration Neutron Detector (LEND), on the polar-orbiting Lunar Reconnaissance Orbiter (LRO) spacecraft, has detected suppression in the Moon's naturally-occurring epithermal neutron leakage flux that is consistent with the presence of diurnally varying quantities of hydrogen in the regolith near the equator. Peak hydrogen concentration (neutron flux suppression) is on the dayside of the dawn terminator and diminishes through the dawn-to-noon sector. The minimum concentration of hydrogen is in the late afternoon and dusk sector. The chemical form of hydrogen is not determinable from these measurements, but other remote sensing methods and anticipated elemental availability suggest water molecules or hydroxyl ions. Signal-to-noise ratio at maximum contrast is 5.6 σ in each of two detector systems. Volatiles are deduced to collect in or on the cold nightside surface and distill out of the regolith after dawn as rotation exposes the surface to sunlight. Liberated volatiles migrate away from the warm subsolar region toward the nearby cold nightside surface beyond the terminator, resulting in maximum concentration at the dawn terminator. The peak concentration within the upper ~1 m of regolith is estimated to be 0.0125 ± 0.0022 weight-percent water-equivalent hydrogen (wt% WEH) at dawn, yielding an accumulation of 190 ± 30 ml recoverable water per square meter of regolith at each dawn. Volatile transport over the lunar surface in opposition to the Moon's rotation exposes molecules to solar ultraviolet radiation. The short lifetime against photolysis and permanent loss of hydrogen from the Moon requires a resupply rate that greatly exceeds anticipated delivery of hydrogen by solar wind implantation or by meteoroid impacts, suggesting that the surface inventory must be continually resupplied by release from a deep volatile inventory in the Moon. The natural distillation of water from the regolith by sunlight and its capture on the cold night surface may

  2. Publications | Page 14 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le livre 2016 Ciudades de Vida y Muerte: La ville et le pacte social pour la contention de la violence présente une analyse convaincante de la coexistence de la violence et de la corruption Avec compassion et solidarité dans les villes du Venezuela - et les leçons qui peuvent être tirées de leur expérience. Cities of Life and ...

  3. LE CARCINOME ONCOCYTAIRE DE LA PAROTIDE : A PROPOS D ...

    African Journals Online (AJOL)

    Après chirurgie, les récidives sont fréquentes. Lele de la radio- thérapie et de chimiothérapie est toujours controversé.Le pronostic est mauvais. Mots clés : Carcinome oncocytaire, parotide, chirurgie, radiothérapie. SUMMARY. Introduction : Oncocyticcarcinomais a rare salivary gland tumor. its management is not codified ...

  4. Publications | Page 64 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Un projet financé par le CRDI a contribué à abolir les barrières entre la pratique de la recherche-action participative et la formation et la pensée universitaires sur le terrain. Le projet a aussi encouragé des intervenants du Sud à exercer un leadership au regard de communautés régionales et thématiques de praticiens se ...

  5. Publications | Page 65 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Un projet financé par le CRDI a contribué à abolir les barrières entre la pratique de la recherche-action participative et la formation et la pensée universitaires sur le terrain. Le projet a aussi encouragé des intervenants du Sud à exercer un leadership au regard de communautés régionales et thématiques de praticiens se ...

  6. Une nouvelle ouverture sur le monde pour les femmes | CRDI ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    'appellent ailleurs dans le dédale d'étals et d'allées serrés. En plus de son travail sur le marché, Jertrudes est également secrétaire de l'association des femmes qui vendent sur ce marché. Le groupe est un endroit où elles ...

  7. Publications | Page 154 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Armer les villes contre la faim : Systèmes alimentaires urbains durables. Le XXe siècle a été le témoin d'une croissance massive des populations urbaines. En 1990, le tiers des habitants de la planète vivaient dans des villes de plus d'un million d'habitants. En outre, la faim et la malnutrition.

  8. Publications | Page 10 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    L'obésité est un facteur de risque de plusieurs maladies non transmissibles, dont les cardiopathies, l'hypertension, le diabète et le cancer. Conflit et développement dans les collines de Guwahati. Dans la ville de Guwahati, dans le nord-est de l'Inde, la croissance rapide a alimenté une explosion de développement non ...

  9. Centre de recherches pour le développement international ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    André Lavoie

    Centre de recherches pour le développement international. Règlement institutionnel. Approuvé par le Comité exécutif de la haute direction. - 1 -. Version 3.0.0 en vigueur le 15-10-2015. Conférences et événements. 1. Contexte. 2. Objectif. 3. Application. 4. Définitions. 5. Rôles et responsabilités. 5.1. Employés. 5.2.

  10. Publications | Page 122 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le CRDI collabore avec les chercheurs et les établissements des pays en développement au renforcement des capacités locales par le truchement du ... par le CRDI qui fournit des ordinateurs aux écoles tout en créant des emplois permet de s'attaquer au problème environnemental causé par les déchets électroniques en ...

  11. Publications | Page 179 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Lele de l'énergie dans le développement rural. Hisham Zerriffi n'a aucun mal à énumérer les bienfaits de l'électrification des zones rurales : une meilleure éducation, puisque les enfants ont de la lumière pour lire et étudier, de meilleurs établissements de santé, de meilleurs.

  12. Publications | Page 177 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Lele de l'énergie dans le développement rural. Hisham Zerriffi n'a aucun mal à énumérer les bienfaits de l'électrification des zones rurales : une meilleure éducation, puisque les enfants ont de la lumière pour lire et étudier, de meilleurs établissements de santé, de meilleurs.

  13. Publications | Page 19 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le documentaire Forward Home, qui a été produit dans le cadre du projet Avantages découlant de la circulation des cerveaux des pays de la CARICOM ainsi que du tourisme et des investissements de la part de la diaspora caribéenne du CRDI, révèle la puissance économique de la diaspora caribéenne. De la ferme à la ...

  14. La prolusione di rocco e le dottrine del processo penale

    OpenAIRE

    Renzo Orlandi

    2015-01-01

    L’articolo analizza le conseguenze del pensiero giuridico di Arturo Rocco, dal 1910 nella dottrina di procedura penale, ossia, il metodo tecnico-giuridico (esegesi, sistematica e critica). La dogmatica di procedura pena- le inizia con la monografia di Giovanni Conso, nel 1955. L’insoddisfazione con il tecnicismo giuridico e con la mancanza di maturità scientifica si è manifestata con Carnelutti nel 1946 (Cerenterola), sottolineando le peculiarità strutturali del procedimento penale. In questa...

  15. Concepteur Web | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Gérer l'ensemble du cycle de conception, y compris l'architecture technique, le plan du site, l'interface de l'utilisateur, la conception de la base de données, toute la programmation et la documentation. Effectuer l'évaluation des besoins, la création de prototypes, la conception, le codage, les essais et le débogage. Définir et ...

  16. Publications | Page 94 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Le CRDI collabore avec les chercheurs et les établissements des pays en développement au renforcement des capacités locales par le truchement du financement, ... Le syndrome... Diamants de guerre — pour en finir. L'important accord international sur les diamants conclu cette année ne portera pas fruits s'il n'est pas ...

  17. Tanzanie | Page 18 | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Read more about Fermented food for life (CIFSRF Phase 2). Langue English. Read more about Mobilisation au service de la préservation. Langue French. Read more about Lele des universités africaines dans l'innovation au service du développement inclusif. Langue French. Read more about L'emploi dans le secteur ...

  18. Leïomyosarcome de la prostate: Neoplasie rare

    Directory of Open Access Journals (Sweden)

    D. Basraoui

    2012-03-01

    La TDM et surtout l'IRM jouent un rôle primordial dans le bilan d'extension locale et à distance du léïomyosarcome prostatique et le seul moyen pour affirmer le diagnostic est l'histologie complétée par une étude immuno-histochimique. Leur prise en charge thérapeutique n'est pas codifiée à l'heure actuelle et leur pronostic reste très sombre.

  19. Le paysage anglais: du jardin à la campagne

    Directory of Open Access Journals (Sweden)

    Gilly LEHMANN

    1987-12-01

    Full Text Available Lele des jardins dans le paysage anglais tient tout autant à ce qui se passe dans les esprits qu'aux réalités concrètes. L'apogée dans la création des jardins et des parcs influant sur le paysage campagnard a lieu au 18e siècle. Les créateurs d'alors visent à construire un paysage idéal; les périodes suivantes proposeront aussi les leurs.

  20. Chili : tous les projets | CRDI - Centre de recherches pour le ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Région: Chile, Colombia, Mexico. Programme: Agriculture et sécurité alimentaire. Financement total : CA$ 5,230,900.00. Lele du secteur privé dans la réduction de la corruption en Amérique latine. Projet. Dans le cadre de ce projet, on étudiera les efforts déployés par le secteur privé pour améliorer la conformité aux lois ...