WorldWideScience

Sample records for lend lone pant

  1. tushar lone

    Indian Academy of Sciences (India)

    Home; Journals; Sadhana. TUSHAR LONE. Articles written in Sadhana. Volume 42 Issue 7 July 2017 pp 1135-1141. Prediction of cardiac arrest recurrence using ensemble classifiers · NACHIKET TAPAS TUSHAR LONE DAMODAR REDDY VENKATANARESH KUPPILI · More Details Abstract Fulltext PDF. Inability of a ...

  2. Lone ventricular cardiomyopathy,

    African Journals Online (AJOL)

    ... (I) cardiac catheterisation, including coronary arteriography and pulmonary ... described existence of lone ventricular idiopathic ... spectrum of classic idiopathic dilated cardiomyopathy. ... endomyocardial fibrosis, and from discussions at an.

  3. Lone mothers in Sweden

    DEFF Research Database (Denmark)

    Burström, B; Diderichsen, Finn; Shouls, S

    1999-01-01

    To study trends in the health and socioeconomic circumstances of lone mothers in Sweden over the years 1979-1995, and to make comparisons with couple mothers over the same period.......To study trends in the health and socioeconomic circumstances of lone mothers in Sweden over the years 1979-1995, and to make comparisons with couple mothers over the same period....

  4. Process cells dismantling of EUREX pant: previous activities

    International Nuclear Information System (INIS)

    Gili, M.

    1998-01-01

    In the '98-'99 period some process cells of the EUREX pant will be dismantled, in order to place there the liquid wastes conditioning plant 'CORA'. This report resumes the previous activities (plant rinsing campaigns and inactive Cell 014 dismantling), run in the past three years and the drawn experience [it

  5. Threat Assessment: Do Lone Terrorists Differ from Other Lone Offenders?

    OpenAIRE

    Diane M. Zierhoffer

    2014-01-01

    This study evaluates the viability of a threat assessment model developed to calculate the risk of targeted violence as a predictor of violence by potential lone terrorists. There is no profile, to date, which would assist in the identification of a lone terrorist prior to an attack. The threat assessment model developed by Borum, Fein, Vossekuil, and Berglund and described in “Threat Assessment: Defining an approach for evaluating risk of targeted violence” (1999) poses ten questions about t...

  6. 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...

  7. Threat Assessment: Do Lone Terrorists Differ from Other Lone Offenders?

    Directory of Open Access Journals (Sweden)

    Diane M. Zierhoffer

    2014-10-01

    Full Text Available This study evaluates the viability of a threat assessment model developed to calculate the risk of targeted violence as a predictor of violence by potential lone terrorists. There is no profile, to date, which would assist in the identification of a lone terrorist prior to an attack. The threat assessment model developed by Borum, Fein, Vossekuil, and Berglund and described in “Threat Assessment: Defining an approach for evaluating risk of targeted violence” (1999 poses ten questions about the patterns of thinking and behaviors that may precipitate an attack of targeted violence. Three terrorists are studied to assess the model’s value as a predictor of terrorism. It is assessed for its use within law enforcement, during an investigation of someone brought to attention as a possible terrorist and for family members or friends who suspect potential terrorist behavior. Would these questions encourage someone to report a friend to prevent a possible attack? This threat assessment model provides a foundation for future research focused on developing a structured risk assessment for lone terrorists. In its present form, the questions can assist both citizens and law enforcement personnel in identifying the patterns of thought and behavior potentially indicative of a lone terrorist.

  8. 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…

  9. Ultra-Performance Liquid Chromatography Tandem Mass Spectrometry Measurement of Caffeine in Caffeine-Laced Pants and in Urine and Skin of a Pants User

    OpenAIRE

    Pellegrini, Manuela; Orsi, Daniela De; Guarino, Carmine; Rotolo, Maria; Giovannandrea, Rita di; Pacifici, Roberta; Pichini, Simona

    2014-01-01

    A fast and sensitive ultra-performance liquid chromatography tandem mass spectrometry method was developed for the measurement of caffeine in caffeine-laced pants and in urine and skin of a pants user. The substance and its internal standard (N-ethylnorcotinine) were separated by reversed phase chromatography with 5 mM ammonium formate pH 3.0 and 0.3% formic acid in acetonitrile mobile phase (83:17 v/v) by isocratic elution and detected by tandem mass spectrometry operated in multiple reacti...

  10. Are Literary Translators (still) Lone Wolves?

    DEFF Research Database (Denmark)

    Jansen, Hanne

    2017-01-01

    of a questionnaire on collaboration within literary translation in Scandinavia. Concepts from Community Studies, such as generalized reciprocity, interpersonal trust and active participation, are employed to discuss whether literary translators feel like members of a community, lone wolves, or simply lonely....

  11. Lone Actors: Challenges and Opportunities for Countering Violent Extremism

    NARCIS (Netherlands)

    Spaaij, R.; Richman, A.; Sharan, Y.

    2015-01-01

    This paper explores some of the key challenges and opportunities concerning the prevention and control of lone actor terrorism. It is argued that lone actors do not operate in a social vacuum and that the interaction points between lone actors and their social environments can render lone actors

  12. The enigma of lone wolf terrorism: an assessment

    NARCIS (Netherlands)

    Spaaij, R.

    2010-01-01

    Lone wolf terrorism remains an ambiguous and enigmatic phenomenon. The boundaries of lone wolf terrorism are fuzzy and arbitrary. This article aims to define and analyze the main features and patterns of lone wolf terrorism in fifteen countries. Lone wolf terrorism is shown to be more prevalent in

  13. 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...

  14. 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...

  15. 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.

  16. Monetary transmission and bank lending in Germany

    OpenAIRE

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

    1999-01-01

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

  17. Why do the lonely stay lonely? Chronically lonely adolescents' attributions and emotions in situations of social inclusion and exclusion.

    Science.gov (United States)

    Vanhalst, Janne; Soenens, Bart; Luyckx, Koen; Van Petegem, Stijn; Weeks, Molly S; Asher, Steven R

    2015-11-01

    The goal of this study was to identify mechanisms associated with chronic loneliness by examining the effect of adolescents' accumulated history of loneliness on responses to new social situations. Specifically, this study investigated whether attributions and emotions in situations of social inclusion and exclusion differ between chronically lonely adolescents and adolescents with a different loneliness history. A total of 730 adolescents (Mage at Wave 1 = 15.43 years) participated in a 4-wave longitudinal study with annual loneliness assessments. A chronic loneliness trajectory was identified, in addition to low-stable, moderate-stable, moderate-increasing, and high-decreasing loneliness trajectories. At Wave 4, vignettes depicting social inclusion and exclusion were presented, and participants rated a set of attributions and emotions following each vignette. Compared with individuals following other trajectories, chronically lonely adolescents were characterized by hypersensitivity to social exclusion (i.e., higher levels of negative emotions) and hyposensitivity to social inclusion (i.e., lower levels of enthusiasm). Further, chronically lonely adolescents had a stronger tendency to attribute social inclusion to circumstantial factors and social exclusion to internal and stable characteristics. This maladaptive attribution style partially mediated their emotional experiences. Together, results indicate that chronically lonely individuals respond to social situations in ways that may perpetuate rather than reduce their loneliness. (c) 2015 APA, all rights reserved).

  18. Genetic aspects of lone atrial fibrillation

    DEFF Research Database (Denmark)

    Andreasen, Laura; Nielsen, Jonas B; Olesen, Morten S

    2015-01-01

    Atrial fibrillation (AF) is the most common cardiac arrhythmia. A subgroup of patients presents with AF without traditional risk factors and is diagnosed before the age of 60 years. Such patients are commonly referred as having "lone AF" and comprise 10-20% of all cases. A number of studies have...

  19. 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. ...

  20. 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...

  1. 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

  2. Lone-actor Terrorism and Impulsivity.

    Science.gov (United States)

    Meloy, J Reid; Pollard, Jeffrey W

    2017-11-01

    In some recent cases of lone-actor terrorism, there is evidence the subject acted impulsively, often in response to a triggering event which contained a loss and humiliation. Evidence suggests the subjects acted precipitously, despite planning and preparation carried out in the preceding weeks or months, and their attacks failed to include the often considerable preparation that had been done. The pathway became a runway. The authors recommend the traditional assessment of impulsivity in persons of concern for lone acts of terrorism, as well as other proximal warning behaviors for targeted violence. Both indirect and direct assessment guidelines are proposed, with an emphasis upon self-report, psychological testing, collateral data gathering, and historical records. © 2017 American Academy of Forensic Sciences.

  3. A New Paradigm for Secure Social Lending

    Science.gov (United States)

    Serrelis, Emmanouil; Alexandris, Nikolaos

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

  4. Local Dynamic Stability Assessment of Motion Impaired Elderly Using Electronic Textile Pants.

    Science.gov (United States)

    Liu, Jian; Lockhart, Thurmon E; Jones, Mark; Martin, Tom

    2008-10-01

    A clear association has been demonstrated between gait stability and falls in the elderly. Integration of wearable computing and human dynamic stability measures into home automation systems may help differentiate fall-prone individuals in a residential environment. The objective of the current study was to evaluate the capability of a pair of electronic textile (e-textile) pants system to assess local dynamic stability and to differentiate motion-impaired elderly from their healthy counterparts. A pair of e-textile pants comprised of numerous e-TAGs at locations corresponding to lower extremity joints was developed to collect acceleration, angular velocity and piezoelectric data. Four motion-impaired elderly together with nine healthy individuals (both young and old) participated in treadmill walking with a motion capture system simultaneously collecting kinematic data. Local dynamic stability, characterized by maximum Lyapunov exponent, was computed based on vertical acceleration and angular velocity at lower extremity joints for the measurements from both e-textile and motion capture systems. Results indicated that the motion-impaired elderly had significantly higher maximum Lyapunov exponents (computed from vertical acceleration data) than healthy individuals at the right ankle and hip joints. In addition, maximum Lyapunov exponents assessed by the motion capture system were found to be significantly higher than those assessed by the e-textile system. Despite the difference between these measurement techniques, attaching accelerometers at the ankle and hip joints was shown to be an effective sensor configuration. It was concluded that the e-textile pants system, via dynamic stability assessment, has the potential to identify motion-impaired elderly.

  5. Vest-over-Pant Method for Closure of Residual Cavity of Liver Hydatid Cyst

    Directory of Open Access Journals (Sweden)

    Saba Behdad

    2012-01-01

    Full Text Available Objective. Although several therapeutic strategies have proven to be effective for hydatid cyst of liver, but surgery is still the most common therapy despite its morbidity and mortality. Furthermore, a variety of technique has been recommended for managing the residual cavity after cystectomy. We report here a new technical method for the reconstruction of hydatid cyst residual cavity with using overlapping flaps of liver edges (Vest over Pant. Methods. In this technique after removing the cyst, the edges of one side of cyst cavity were sutured to the base of the cavity using three to four mattress sutures, and edges of other side of liver was overlapped on the dorsal part of previous layer using four to five mattress sutures. Therefore residual cavity dead space was obliterated with two surfaces of cavity. Results. Fifty males were treated by our method. The average cyst volume was 423±110 mL. There was no intraabdominal sepsis, bile leakage, or hepatic necrosis. In follow-up ultrasound study, residual cavities were disappeared one month after operation. Conclusion. Overlapping flaps of liver edges (Vest over Pant provides easy, safe closure of cyst with preservation of the liver anatomy.

  6. Monitoring Costs and Multinational-Bank Lending

    OpenAIRE

    Ralph de Haas

    2006-01-01

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

  7. 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...

  8. Preventing Lone Wolf Terrorism: some CT Approaches Addressed

    Directory of Open Access Journals (Sweden)

    Edwin Bakker

    2011-12-01

    Full Text Available After a brief discussion of the epistemological and phenomenological difficulties associated with the concept of lone wolf terrorism, a number of possible counter-terrorist approaches are discussed. Lone operator terrorist acts should be considered ‘black swan’ occurrences that are almost impossible to categorize or systematize, let alone forecast. Thus, not the profile of the perpetrator, but the modus operandi offer clues for a better response to this particular threat. Furthermore, almost all lone operators do display a degree of commitment to, and identification with, extremist movements – providing leads for preventing new rounds of radicalization within this potential group of sympathizers or followers. With the apparent increase of Islamist lone wolf terrorism and fears for right-wing extremists wanting to follow the example of the Norwegian mass murderer A.B. Breivik, new questions need to be posed, addressing the role of virtual communities with which lone operators identify themselves. 

  9. 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.

  10. 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...

  11. 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...

  12. 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...

  13. 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…

  14. 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...

  15. Mille poolest on algav õppeaasta teile eriline? / Valmar Pantšenko, Martin Adamson, Maire Tamm, Eve Reisalu

    Index Scriptorium Estoniae

    2012-01-01

    Küsimusele vastavad: Tartu Täiskasvanute Gümnaasiumi abiturient Valmar Pantšenko, Eesti meister motokrossis klassis Quad 100 Martin Adamson, Tamsalu Gümnaasiumi õppealajuhataja Maire Tamm ja Ristiku põhikooli õpetaja-metoodik Eve Reisalu

  16. A false dichotomy? Mental illness and lone-actor terrorism.

    Science.gov (United States)

    Corner, Emily; Gill, Paul

    2015-02-01

    We test whether significant differences in mental illness exist in a matched sample of lone- and group-based terrorists. We then test whether there are distinct behavioral differences between lone-actor terrorists with and without mental illness. We then stratify our sample across a range of diagnoses and again test whether significant differences exist. We conduct a series of bivariate, multivariate, and multinomial statistical tests using a unique dataset of 119 lone-actor terrorists and a matched sample of group-based terrorists. The odds of a lone-actor terrorist having a mental illness is 13.49 times higher than the odds of a group actor having a mental illness. Lone actors who were mentally ill were 18.07 times more likely to have a spouse or partner who was involved in a wider movement than those without a history of mental illness. Those with a mental illness were more likely to have a proximate upcoming life change, more likely to have been a recent victim of prejudice, and experienced proximate and chronic stress. The results identify behaviors and traits that security agencies can utilize to monitor and prevent lone-actor terrorism events. The correlated behaviors provide an image of how risk can crystalize within the individual offender and that our understanding of lone-actor terrorism should be multivariate in nature.

  17. Tales from nowhere : Burma and the lonely planet phenomenon

    OpenAIRE

    Mullen, Darcy

    2016-01-01

    This essay is an archival reading of the nine editions of Lonely Planet travel guides (published from 1979 to the 2005 edition) containing the progressive creation and narration of the tourist space of Lonely Planet’s Myanmar—in the formative years of its narration as elsewhere as nowhere. I extend Dean MacCannell’s argument from The Tourist to suggest that the function of forbiddenness and nowhere is central to Lonely Planet’s idea of the tourist experience in Myanmar. Moreover, the rhetoric...

  18. 75 FR 64972 - Proposed Revocation of Class E Airspace; Lone Star, TX

    Science.gov (United States)

    2010-10-21

    ...-0772; Airspace Docket No. 10-ASW-10] Proposed Revocation of Class E Airspace; Lone Star, TX AGENCY... action proposes to remove Class E airspace at Lone Star, TX. Abandonment of the former Lone Star Steel... need for controlled airspace in the Lone Star, TX, area. The FAA is taking this action to ensure the...

  19. Nod of Approval For Black Lending

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

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

  20. Choking under social pressure: social monitoring among the lonely.

    Science.gov (United States)

    Knowles, Megan L; Lucas, Gale M; Baumeister, Roy F; Gardner, Wendi L

    2015-06-01

    Lonely individuals may decode social cues well but have difficulty putting such skills to use precisely when they need them--in social situations. In four studies, we examined whether lonely people choke under social pressure by asking participants to complete social sensitivity tasks framed as diagnostic of social skills or nonsocial skills. Across studies, lonely participants performed worse than nonlonely participants on social sensitivity tasks framed as tests of social aptitude, but they performed just as well or better than the nonlonely when the same tasks were framed as tests of academic aptitude. Mediational analyses in Study 3 and misattribution effects in Study 4 indicate that anxiety plays an important role in this choking effect. This research suggests that lonely individuals may not need to acquire social skills to escape loneliness; instead, they must learn to cope with performance anxiety in interpersonal interactions. © 2015 by the Society for Personality and Social Psychology, Inc.

  1. Lone ranger decision making versus consensus decision making: Descriptive analysis

    OpenAIRE

    Maite Sara Mashego

    2015-01-01

    Consensus decision making, concerns group members make decisions together with the requirement of reaching a consensus that is all members abiding by the decision outcome. Lone ranging worked for sometime in a autocratic environment. Researchers are now pointing to consensus decision-making in organizations bringing dividend to many organizations. This article used a descriptive analysis to compare the goodness of consensus decision making and making lone ranging decision management. This art...

  2. Patterns of partnership formation among lone mothers in Russia

    OpenAIRE

    Cordula Zabel

    2008-01-01

    This study examines the determinants of partnership formation among lone mothers in Russia, using data from the Russian Generations and Gender Survey (GGS) and the Education and Employment Survey (EES). The central research question is whether difficult economic circumstances pressure lone mothers to enter new partnerships sooner than they would under other circumstances, limiting their freedom of choice of type of living arrangement. The empirical results show that while occupation influence...

  3. Preventing Lone Wolf Terrorism: some CT Approaches Addressed

    OpenAIRE

    Edwin Bakker; Beatrice de Graaf

    2011-01-01

    After a brief discussion of the epistemological and phenomenological difficulties associated with the concept of lone wolf terrorism, a number of possible counter-terrorist approaches are discussed. Lone operator terrorist acts should be considered ‘black swan’ occurrences that are almost impossible to categorize or systematize, let alone forecast. Thus, not the profile of the perpetrator, but the modus operandi offer clues for a better response to this particular threat. Furtherm...

  4. Study of lone working magnetic resonance technologists in Western Australia

    Directory of Open Access Journals (Sweden)

    Tracy Anne Dewland

    2013-12-01

    Full Text Available Objectives: It is recommended that magnetic resonance (MR technologists should not work alone due to potential occupational health risks although lone working is legally acceptable. The objective of this study was to investigate the current situation of lone working MR technologists in Western Australia (WA and any issue against the regulations. Materials and Methods: A questionnaire regarding the issues of occupational health of lone working MR technologists was developed based on relevant literature and distributed to WA MR technologists. Descriptive (percentage of frequency, mean and standard deviation and inferential statistics (Fisher's exact, Chi2 and t tests, and analysis of variance were used to analyze the responses of the yes/no, multiple choice and 5 pt scale questions from the returned questionnaires. Results: The questionnaire response rate was 65.6% (59/90. It was found that about half of the MR technologists (45.8%, 27/59 experienced lone working. The private magnetic resonance imaging (MRI centers were more likely to arrange technologists to work alone (p < 0.05. The respondents expressed positive views on issues of adequacy of training and arrangement, confidence and comfort towards lone working except immediate assistance for emergency (mean: 3. Factors of existence of MRI safety officer (p < 0.05 and nature of lone working (p < 0.001-0.05 affected MR technologists' concerns. Conclusions: Lone working of MR technologists is common in WA especially in private centers. The training and arrangement provided seem to be adequate for meeting the legal requirements. However, several areas should be improved by the workplaces including enhancement on immediate emergency assistance and concern relief.

  5. 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...

  6. 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.

  7. 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.

  8. Lone-father families in Canada, 1971-1996

    Directory of Open Access Journals (Sweden)

    McQuillan, Kevin

    2001-01-01

    Full Text Available EnglishDemographers and sociologists have paid considerable attention to thesituation of lone-parent families. However, until recently, almost all of this work has focused onfamilies headed by a lone mother. This paper seeks to fill an important gap in our knowledge of familychange by examining the growth and characteristics of lone-father families in Canada. Using data fromthe public-use microfiles (PUMFs of the census, the paper shows that the number of lone-fatherfamilies has increased significantly in recent years, and that lone fathers are now younger and morelikely to have become lone fathers through marital breakdown. The results also suggest that while lone-father families are not as economically disadvantaged as lone-mother families, income levels lag wellbehind those of two-parent families and have, in relative terms, declined in recent years.FrenchLes démographes et sociologues se sont beaucoup attardés à la situation desfamilles monoparentales. Cependant, jusqu'à récemment, l'ensemble de cetravail ciblait surtout les mères seules. Cet article cherche à combler la brèchede notre connaissance des changements dans la famille en examinantl'augmentation du nombre de pères seuls au Canada et les caractéristiques de cesfamilles. Grâce aux données des microfilms à usage public du recensement,l'article illustre que le nombre de pères seuls a considérablement augmenté aucours des dernières années, que les pères seuls sont plus jeunes et que leursituation résulte vraisemblablement de la rupture de leur mariage. Les résultatsindiquent aussi que bien que les familles dont le père est monoparental ne soientpas aussi défavorisées que les familles dont la mère est monoparentale, lesniveaux de revenu accusent un certain retard par rapport aux famillesbiparentales et qu'ils ont relativement baissé au cours des dernières années.

  9. 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

  10. 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

  11. 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...

  12. 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...

  13. 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…

  14. 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

  15. 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...

  16. 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...

  17. 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...

  18. Self-rated health and mental health of lone fathers compared with lone mothers and partnered fathers: a population-based cross-sectional study.

    Science.gov (United States)

    Chiu, Maria; Rahman, Farah; Kurdyak, Paul; Cairney, John; Jembere, Nathaniel; Vigod, Simone

    2017-05-01

    Lone parenthood is associated with poorer health; however, the vast majority of previous studies have examined lone mothers and only a few have focused on lone fathers. We aimed to examine the self-rated health and mental health status among a large population-based cross-sectional sample of Canadian lone fathers compared with both partnered fathers and lone mothers. We investigated differences in self-rated health and mental health among 1058 lone fathers compared with 20 692 partnered fathers and 5725 lone mothers using the Ontario component of the Canadian Community Health Survey (2001-2013). Multivariable logistic regression was used to compare the odds of poor/fair self-rated health and mental health between the study groups while adjusting for a comprehensive list of sociodemographic factors, stressors and lifestyle factors. Lone fathers and lone mothers showed similar prevalence of poor/fair self-rated health (11.6% and 12.5%, respectively) and mental health (6.2% and 8.4%, respectively); the odds were similar even after multivariable adjustment. Lone fathers showed higher odds of poor/fair self-rated health (OR 1.53, 95% CI 1.07 to 2.17) and mental health (OR 2.09, 95% CI 1.26 to 3.46) than partnered fathers after adjustment for sociodemographic factors; however, these differences were no longer significant after accounting for stressors, including low income and unemployment. In this large population-based study, lone fathers had worse self-rated health and mental health than partnered fathers and similarly poor self-rated health and mental health as lone mothers. Interventions, supports and social policies designed for single parents should also recognise the needs of lone fathers. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.

  19. Analysing Personal Characteristics of Lone-Actor Terrorists: Research Findings and Recommendations

    OpenAIRE

    Roy, de, van Zuijdewijn J.; Bakker, E.

    2016-01-01

    This Research Note presents the outcome of a project that looked at the personal characteristics of lone-actor terrorists. It is part of the larger Countering Lone-Actor Terrorism (CLAT) project. The project described here aimed to improve understanding of, and responses to, the phenomenon of (potentially) violent lone-actors based on an analysis of 120 cases from across Europe. The Research Note focuses on the personal characteristics of lone-actor terrorists.[1] First of all, it presents th...

  20. Key Issues and Research Agendas in Lone Wolf Terrorism

    NARCIS (Netherlands)

    Spaaij, R.; Hamm, M.S.

    2015-01-01

    This article builds on recent contributions to the academic literature on lone wolf terrorism to critically examine key issues that are germane to the current state of play in this field of study. It finds that, overall, the recent academic literature still suffers from considerable problems

  1. Molecular electrostatics for probing lone pair-π interactions.

    Science.gov (United States)

    Mohan, Neetha; Suresh, Cherumuttathu H; Kumar, Anmol; Gadre, Shridhar R

    2013-11-14

    An electrostatics-based approach has been proposed for probing the weak interactions between lone pair containing molecules and π deficient molecular systems. For electron-rich molecules, the negative minima in molecular electrostatic potential (MESP) topography give the location of electron localization and the MESP value at the minimum (Vmin) quantifies the electron-rich character of that region. Interactive behavior of a lone pair bearing molecule with electron deficient π-systems, such as hexafluorobenzene, 1,3,5-trinitrobenzene, 2,4,6-trifluoro-1,3,5-triazine and 1,2,4,5-tetracyanobenzene explored within DFT brings out good correlation of the lone pair-π interaction energy (E(int)) with the Vmin value of the electron-rich system. Such interaction is found to be portrayed well with the Electrostatic Potential for Intermolecular Complexation (EPIC) model. On the basis of the precise location of MESP minimum, a prediction for the orientation of a lone pair bearing molecule with an electron deficient π-system is possible in the majority of the cases studied.

  2. Visualizing lone pairs in compounds containing heavier congeners ...

    Indian Academy of Sciences (India)

    Unknown

    Fm3 PbS provides a segue into perovskite phases of technological significance, including ... rôle of the lone pair in driving (respectively) the ferroelectric and antiferroelectric phase transitions. 2. SnO, αα-PbO ..... of compounds with d0 elements, and to N A Hill for critically reading this manuscript. The Laboratoire SPMS and ...

  3. Investigating Hypervigilance for Social Threat of Lonely Children

    Science.gov (United States)

    Qualter, Pamela; Rotenberg, Ken; Barrett, Louise; Henzi, Peter; Barlow, Alexandra; Stylianou, Maria; Harris, Rebecca A.

    2013-01-01

    The hypothesis that lonely children show hypervigilance for social threat was examined in a series of three studies that employed different methods including advanced eye-tracking technology. Hypervigilance for social threat was operationalized as hostility to ambiguously motivated social exclusion in a variation of the hostile attribution…

  4. Evidence of Recombinant Citrus tristeza virus Isolate Occurring in Acid Lime cv. Pant Lemon Orchard in Uttarakhand Terai Region of Northern Himalaya in India.

    Science.gov (United States)

    Singh, Jaywant Kumar; Tarafdar, Avijit; Sharma, Susheel Kumar; Biswas, Kajal Kumar

    2013-06-01

    The present study for the first time describes biological and molecular characterization of Citrus tristeza virus (CTV) occurring in the Terai area of Uttarakhand State in Northern Himalaya region of India. Direct antigen coated-ELISA and reverse transcriptase-polymerase chain reaction (RT-PCR) detected the CTV infection in Acid lime cv. Pant lemon (Citrus aurantifolia) orchards of Pantnagar with an estimated disease incidence of 16.6-20.5 %. To know the biological and genetic properties, an isolate, CTV Pant 4 was characterized. Isolate Pant 4 could be graft transmitted to Kinnow, Nagpur and Darjeeling mandarins, Mosambi sweet orange, Kagzi lime, Sweet lime, Sour orange but not to Rough lemon. The sequence analyses of the 5'ORF1a (3038 nucleotides) of LPro domain and 3'end (2058 nt) covering ORF7-ORF10 regions of the CTV genome revealed that Pant 4 was closely related to the previously reported Indian CTV isolate, Kpg3 from Northeastern Himalaya region with 97 and 98 % sequence identity, respectively. Whereas, it differed from the previously reported CTV isolate B165 from Southern India with 79 and 92 % identity, respectively for 5'ORF1a and 3' end regions. Recombination and SplitsTree decomposition analyses indicated that CTV isolate Pant 4 was a recombinant isolate originating from Kpg3 as a major and B165 as a minor donor.

  5. Experiencias extra ordinarias de la arquitectura sagrada: Los casos de Chartres, Ronchamp y el Panteón

    Directory of Open Access Journals (Sweden)

    Julio Bermúdez

    2012-12-01

    Full Text Available Usando casi 2.900 respuestas a una encuesta sobre "Experiencias Arquitectónicas Extraordinarias" (EAEs como un mapa estadístico de la dimensión subjetiva de arquitecturas excepcionales, este artículo se enfoca en tres obras religiosas paradigmáticas citadas en el sondeo: el Panteón, la Catedral de Chartres, y la Capilla de Ronchamp. El propósito es establecer (a el carácter experiencial único (extraordinario y sagrado de cada obra; (b una comparación entre ellas con relación a las EAEs en general; y (c posibles vínculos entre respuesta subjetiva y los factores empíricos de lo construido. La taxonomía hermenéutica de arquitectura sagrada de Lindsay Jones (2000 es usada para articular el análisis interpretativo de la información y relaciones descubiertas. Se concluye que el Panteón induce experiencias espirituales usándose a sí mismo como modus operandi contemplativo, mientras que Chartres lo logra combinando estrategias teatrales y contemplativas, y Ronchamp su calidad de santuario y naturaleza estética contemplativa.

  6. 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...

  7. 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...

  8. The Mystery of the Lonely Neutron Star

    Science.gov (United States)

    2000-09-01

    The VLT Reveals Bowshock Nebula around RX J1856.5-3754 Deep inside the Milky Way, an old and lonely neutron star plows its way through interstellar space. Known as RX J1856.5-3754 , it measures only ~ 20 km across. Although it is unusually hot for its age, about 700,000 °C, earlier observations did not reveal any activity at all, contrary to all other neutron stars known so far. In order to better understand this extreme type of object, a detailed study of RX J1856.5-3754 was undertaken by Marten van Kerkwijk (Institute of Astronomy of the University of Utrecht, The Netherlands) and Shri Kulkarni (California Institute of Technology, Pasadena, California, USA). To the astronomers' delight and surprise, images and spectra obtained with the ESO Very Large Telescope (VLT) now show a small nearby cone-shaped ("bowshock") nebula. It shines in the light from hydrogen atoms and is obviously a product of some kind of interaction with this strange star. Neutron stars - remnants of supernova explosions Neutron stars are among the most extreme objects in the Universe. They are formed when a massive star dies in a "supernova explosion" . During this dramatic event, the core of the star suddenly collapses under its own weight and the outer parts are violently ejected into surrounding space. One of the best known examples is the Crab Nebula in the constellation Taurus (The Bull). It is the gaseous remnant of a star that exploded in the year 1054 and also left behind a pulsar , i.e., a rotating neutron star [1]. A supernova explosion is a very complex event that is still not well understood. Nor is the structure of a neutron star known in any detail. It depends on the extreme properties of matter that has been compressed to incredibly high densities, far beyond the reach of physics experiments on Earth [2]. The ultimate fate of a neutron star is also unclear. From the observed rates of supernova explosions in other galaxies, it appears that several hundred million neutron stars

  9. 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.

  10. Sitting into the limelight: Lonely Chairs at CERN turns one

    CERN Multimedia

    Katarina Anthony

    2015-01-01

    A picture may be worth a thousand words - but a picture of a chair? It’s worth a story all by itself. Over the past year, the "Lonely Chairs at CERN" photography blog has let the chairs do the talking. Along the way, these chairs have inspired and enchanted people across the globe with their honest depiction of the Laboratory.   This lonely chair outside Building 32 was one of the first Rebeca photographed. When CMS physicist Rebeca Gonzalez Suarez created Lonely Chairs at CERN back in April 2014, she was not expecting the immediate reaction it garnered. Within days, the blog had picked up thousands of followers and was featured in Gizmodo and The Guardian. "The response inside CERN was very positive, but the response outside was overwhelming," says Rebeca. "I’ve got a lot of followers who are really into science and are very excited about CERN. They comment about wanting to work here - sometimes on the ugliest chair I&rsqu...

  11. 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...

  12. 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.

  13. On US politics and IMF lending

    DEFF Research Database (Denmark)

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

    2006-01-01

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

  14. Monetary Expansion and the Banking Lending Channel.

    Science.gov (United States)

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

    2016-01-01

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

  15. Humane Orientation and Corruption in Bank Lending

    Directory of Open Access Journals (Sweden)

    Siwapong Dheera-aumpon

    2017-12-01

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

  16. An Analysis of European Online micro-lending Websites

    OpenAIRE

    Arvind Ashta; Djamchid Assadi

    2009-01-01

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

  17. A Method for Accounting for Risk in Lending

    National Research Council Canada - National Science Library

    Kobylski, Gerald

    1997-01-01

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

  18. Eric Woods - A lone radiographer at the Normandy landings

    International Nuclear Information System (INIS)

    Barrett, Jean; Ferris, Christine

    2009-01-01

    Although much of the activity around D-day is recorded many of the support services such as radiography do not feature. This account of a radiographer at the Normandy landings gives an insight into the everyday work of a lone radiographer in the Armed Forces in the 1940s. This work is the product of an oral history taken by Jean Barrett in accordance with the acknowledged ethical requirements of oral history. Eric Wood has given his permission for the publication of his stories. The work was presented at the conference for the British Society for the History of Radiology 2008 (Sheffield).

  19. Eric Woods - A lone radiographer at the Normandy landings

    Energy Technology Data Exchange (ETDEWEB)

    Barrett, Jean [British Society for the History of Radiology (United Kingdom); Ferris, Christine [International Development Facilitator, Robert Winston Building, Faculty of Health and Wellbeing, Sheffield Hallam University, Sheffield S10 2BP (United Kingdom)], E-mail: c.m.ferris@shu.ac.uk

    2009-12-15

    Although much of the activity around D-day is recorded many of the support services such as radiography do not feature. This account of a radiographer at the Normandy landings gives an insight into the everyday work of a lone radiographer in the Armed Forces in the 1940s. This work is the product of an oral history taken by Jean Barrett in accordance with the acknowledged ethical requirements of oral history. Eric Wood has given his permission for the publication of his stories. The work was presented at the conference for the British Society for the History of Radiology 2008 (Sheffield)

  20. 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…

  1. 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,

  2. 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.

  3. 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...

  4. 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

  5. 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

  6. Understanding how education/support groups help lone mothers

    Directory of Open Access Journals (Sweden)

    Cameron Ruth

    2010-01-01

    Full Text Available Abstract Background Lone-mother led families are at increased risk of psychosocial disadvantage, social isolation and mental health morbidity. Community-based programs are more accessible for families seeking assistance. We examine the experiences of eight lone mothers participating in a larger randomized controlled trial (RCT of a community-based education/support group program using mixed methods. Methods A purposeful sample of eight mothers participating in the intervention arm of an RCT of community-based support/education groups was selected for the qualitative study. Individual interviews asked mothers about themselves and their relationships with their children before and after the group. Interviews were taped, transcribed and content analysis was used to code and interpret the data. Quantitative data collected in the RCT were used to describe these mothers. Results Mothers participating in the RCT and qualitative study experienced multiple difficulties, including financial and mood problems. These mothers reported that before participating in the group, they had shared experiences of social isolation, stigma, a sense of failure, poor relationships with their children and difficulties with financial management. After the group, mothers identified improved self-esteem, support from other mothers, improved parenting skills and improved communication with their children as outcomes of group participation. Conclusions The qualitative data revealed mothers' perceptions of specific areas that improved by participating in the group. The utility of complementary information provided by qualitative and quantitative methods in understanding program impact, as well as the need for broader assistance is noted.

  7. Understanding how education/support groups help lone mothers.

    Science.gov (United States)

    Lipman, Ellen L; Kenny, Meghan; Jack, Susan; Cameron, Ruth; Secord, Margaret; Byrne, Carolyn

    2010-01-04

    Lone-mother led families are at increased risk of psychosocial disadvantage, social isolation and mental health morbidity. Community-based programs are more accessible for families seeking assistance. We examine the experiences of eight lone mothers participating in a larger randomized controlled trial (RCT) of a community-based education/support group program using mixed methods. A purposeful sample of eight mothers participating in the intervention arm of an RCT of community-based support/education groups was selected for the qualitative study. Individual interviews asked mothers about themselves and their relationships with their children before and after the group. Interviews were taped, transcribed and content analysis was used to code and interpret the data. Quantitative data collected in the RCT were used to describe these mothers. Mothers participating in the RCT and qualitative study experienced multiple difficulties, including financial and mood problems. These mothers reported that before participating in the group, they had shared experiences of social isolation, stigma, a sense of failure, poor relationships with their children and difficulties with financial management. After the group, mothers identified improved self-esteem, support from other mothers, improved parenting skills and improved communication with their children as outcomes of group participation. The qualitative data revealed mothers' perceptions of specific areas that improved by participating in the group. The utility of complementary information provided by qualitative and quantitative methods in understanding program impact, as well as the need for broader assistance is noted.

  8. 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.

  9. Lone-Actor Terrorism. Toolkit Paper 1 : Practical Guidance for Mental Health Practitioners and Social Workers

    NARCIS (Netherlands)

    Bakker, E.; Roy, de van Zuijdewijn J.

    2016-01-01

    The aim of this paper is to draw out practical implications for mental health practitioners and social workers in dealing with Lone-Actor Terrorism. It is not intended to provide a profile of lone-actor terrorists, but rather to offer guidance that may be of use to practitioners in Europe (and

  10. Lone Actor Terrorist Attack Planning and Preparation : A Data-Driven Analysis

    NARCIS (Netherlands)

    Schuurman, B.W.; Bakker, E.; Gill, P.; Bouhana, N.

    2017-01-01

    This article provides an in-depth assessment of lone actor terrorists’ attack planning and preparation. A codebook of 198 variables related to different aspects of pre-attack behavior is applied to a sample of 55 lone actor terrorists. Data were drawn from open-source materials and complemented

  11. End of the lone wolf : the typology that should not have been

    NARCIS (Netherlands)

    Schuurman, B.W.; Lindekilde, L.; Malthaner, S.; O'Connor, F.; Gill, P.; Bouhana, N.

    2017-01-01

    This research note argues that the ‘lone wolf’ typology should be fundamentally reconsidered. Based on a three-year empirical research project, two key points are made to support this argument. First, the authors found that ties to online and offline radical milieus are critical to lone actors’

  12. Careful or lenient : welfare reform for lone mothers in the Netherlands

    NARCIS (Netherlands)

    Knijn, Trudie; Wel, Frits van

    2001-01-01

    The 1996 welfare reform that attempted to get lone parents out of social assistance represents a major shift in social policy in the Netherlands. Instead of having the financial right to care for their children, lone mothers are now obliged to earn their living by paid work as soon as their youngest

  13. Analysing Personal Characteristics of Lone-Actor Terrorists : Research Findings and Recommendations

    NARCIS (Netherlands)

    Roy, de van Zuijdewijn J.; Bakker, E.

    2016-01-01

    This Research Note presents the outcome of a project that looked at the personal characteristics of lone-actor terrorists. It is part of the larger Countering Lone-Actor Terrorism (CLAT) project. The project described here aimed to improve understanding of, and responses to, the phenomenon of

  14. Lone mothers and welfare policies in Albania : Conditions, experiences, expectations, 1944-2013

    NARCIS (Netherlands)

    Gruda, A.

    2015-01-01

    This is an action research that endeavors to construct the category of ‘lone mothers’ in Albania, through their own voice, for the purpose of creating the socio-political discourse on their real needs they and their children have. It talks about lone mothers not as needy or vulnerable, but as women

  15. Analisis Peramalan Penjualan dan Penggunaan Metode Linear Programming dan Decision Tree Guna Mengoptimalkan Keuntungan pada PT Primajaya Pantes Garment

    Directory of Open Access Journals (Sweden)

    Inti Sariani Jianta Djie

    2013-09-01

    Full Text Available Primajaya Pantes Garment is a company that runs its business in garment sector. However, due to various numbers of requests each month, the company is difficult to determine the amount of production per month that is appropriate to maximize profits. The purpose of this study is to determine the appropriate forecasting method that can be used as a reference to determine the amount of production in the next period and to find a combination of products to maximize profits. Research used forecasting methods, including naive method, moving averages, weighted moving averages, exponential smoothing, exponential smoothing with trend, and linear regression. In addition, this study also used Linear Programming method with Simplex method to determine the best combination of products for the company and to choose a decision using a decision tree to determine which alternative should be done by the company. Results of this study found that the linear regression method is the most appropriate method in determining the forecast demand in the next period. While in the Linear Programming method, constraints used were the constraints of raw materials, labor hours, and limited demand for the product. The result of the decision tree is to increase production capacity.

  16. Francofemme Duality (Luce Irigaray-Hélène Cixous the Many Faces of Womanhood in Pantelis Voulgaris' Brides

    Directory of Open Access Journals (Sweden)

    CHRISTOS STAVROU

    2016-02-01

    Full Text Available Luce Irigaray and Hélène Cixous dealt with issues of female writing and femininity in art and have gained international respect and recognition for their work. In fact, their theories constitute a framework for the comprehension of gender issues. It is commonly accepted that the reflection of womanhood in contemporary art has undergone various changes. According to these two french feminists, women have been always struggling against male superiority and male vision of the world. This inequality of the genders is apparent from a very early age and it is obvious even in language issues. Both of them mentioned the deep relationship between body and language but also the need for a female discourse. This paper shows, through a detailed analysis, this eternal struggle in Voulgaris' film Brides where the audience experiences the many faces of womanhood during war times. This film achieves to deconstruct the image of the woman as an inferior human being. Through the script, the photography and even human gestures, Pantelis Voulgaris creates a film adaptation which bears a profound respect to the original text. As a result, this paper will impose the basic elements of Irigaray's and Cixous' theory upon the female writing of Ioanna Karystiani in order to reveal the inner connection of this film with these feminist theories and meanings.

  17. 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.

  18. Absence of heat intolerance (panting) syndrome in foot-and-mouth disease-affected Indian cattle (Bos indicus) is associated with intact thyroid gland function.

    Science.gov (United States)

    Maddur, M S; Rao, S; Chockalingam, A K; Kishore, S; Gopalakrishna, S; Singh, N; Suryanarayana, V V S; Gajendragad, M R

    2011-06-01

    Foot-and-mouth disease (FMD) is a highly contagious and economically important viral disease with high morbidity and reduced productivity of affected animals. We studied the heat intolerance (HI) (panting) syndrome and the effect of FMD virus (FMDV) infection on thyroid gland function in Indian cattle (Bos indicus). Experimental infection with FMDV Asia 1 resulted in a mild form of disease with superficial lesions. Heat intolerance syndrome and its signs were not observed among the recovered animals. Subtle changes in the serum level of thyroid hormones, triiodothyronine (T₃) and thyroxine (T₄) were observed. However, there were no distinct histological changes in the thyroid gland, and FMDV antigens were not detected in the thyroid tissues. Our results thus suggest that the absence of panting syndrome in FMD-affected Bos indicus cattle may be associated with intact thyroid gland function.

  19. 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.

  20. 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

  1. 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...

  2. Lonely adolescents exhibit heightened sensitivity for facial cues of emotion.

    Science.gov (United States)

    Vanhalst, Janne; Gibb, Brandon E; Prinstein, Mitchell J

    2017-02-01

    Contradicting evidence exists regarding the link between loneliness and sensitivity to facial cues of emotion, as loneliness has been related to better but also to worse performance on facial emotion recognition tasks. This study aims to contribute to this debate and extends previous work by (a) focusing on both accuracy and sensitivity to detecting positive and negative expressions, (b) controlling for depressive symptoms and social anxiety, and (c) using an advanced emotion recognition task with videos of neutral adolescent faces gradually morphing into full-intensity expressions. Participants were 170 adolescents (49% boys; M age  = 13.65 years) from rural, low-income schools. Results showed that loneliness was associated with increased sensitivity to happy, sad, and fear faces. When controlling for depressive symptoms and social anxiety, loneliness remained significantly associated with sensitivity to sad and fear faces. Together, these results suggest that lonely adolescents are vigilant to negative facial cues of emotion.

  3. Does financial hardship account for elevated psychological distress in lone mothers?

    Science.gov (United States)

    Hope, S; Power, C; Rodgers, B

    1999-12-01

    Lone mothers have been shown to have higher levels of psychological distress than married mothers, but it is not clear how this difference arises. Using data from the 1958 British birth cohort followed to age 33, we investigated alternative explanations for the excess distress of lone mothers. Logistic regression models were used to estimate odds ratios for distress (measured using the Malaise Inventory) in lone vs married mothers. Odds ratios were adjusted to assess the contribution of explanatory factors. At age 33, psychological distress was greater among lone than married mothers (OR 2.59, 95% CI 1.97, 3.41). The odds ratio decreased to 1.43 (95% CI 1.02, 2.01) after adjustment for all explanatory factors (prior psychological distress, age of youngest child and number of children in the household, and contemporary measures of financial hardship, employment, and social support). Attenuation of the odds ratio was most marked after taking account of financial hardship. Psychological distress was greater among divorced mothers than never married mothers, though not significantly (OR = 1.70, 95% CI 0.88, 3.28). This difference was not explained by the factors examined, and was not due to the immediate distress associated with a recent divorce. Elevated psychological distress of lone mothers appears to be related to financial hardship, while other explanations, including social support and selection, have a more modest impact. Not all of the elevated psychological distress among lone mothers was accounted for, particularly among divorced lone mothers.

  4. Bombing alone: tracing the motivations and antecedent behaviors of lone-actor terrorists,.

    Science.gov (United States)

    Gill, Paul; Horgan, John; Deckert, Paige

    2014-03-01

    This article analyzes the sociodemographic network characteristics and antecedent behaviors of 119 lone-actor terrorists. This marks a departure from existing analyses by largely focusing upon behavioral aspects of each offender. This article also examines whether lone-actor terrorists differ based on their ideologies or network connectivity. The analysis leads to seven conclusions. There was no uniform profile identified. In the time leading up to most lone-actor terrorist events, other people generally knew about the offender's grievance, extremist ideology, views, and/or intent to engage in violence. A wide range of activities and experiences preceded lone actors' plots or events. Many but not all lone-actor terrorists were socially isolated. Lone-actor terrorists regularly engaged in a detectable and observable range of activities with a wider pressure group, social movement, or terrorist organization. Lone-actor terrorist events were rarely sudden and impulsive. There were distinguishable behavioral differences between subgroups. The implications for policy conclude this article. © 2013 American Academy of Forensic Sciences.

  5. Bombing Alone: Tracing the Motivations and Antecedent Behaviors of Lone-Actor Terrorists*,†,‡

    Science.gov (United States)

    Gill, Paul; Horgan, John; Deckert, Paige

    2014-01-01

    This article analyzes the sociodemographic network characteristics and antecedent behaviors of 119 lone-actor terrorists. This marks a departure from existing analyses by largely focusing upon behavioral aspects of each offender. This article also examines whether lone-actor terrorists differ based on their ideologies or network connectivity. The analysis leads to seven conclusions. There was no uniform profile identified. In the time leading up to most lone-actor terrorist events, other people generally knew about the offender’s grievance, extremist ideology, views, and/or intent to engage in violence. A wide range of activities and experiences preceded lone actors’ plots or events. Many but not all lone-actor terrorists were socially isolated. Lone-actor terrorists regularly engaged in a detectable and observable range of activities with a wider pressure group, social movement, or terrorist organization. Lone-actor terrorist events were rarely sudden and impulsive. There were distinguishable behavioral differences between subgroups. The implications for policy conclude this article. PMID:24313297

  6. 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.

  7. 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...

  8. 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 ...

  9. 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...

  10. Lonely people are no longer lonely on social networking sites: the mediating role of self-disclosure and social support.

    Science.gov (United States)

    Lee, Kyung-Tag; Noh, Mi-Jin; Koo, Dong-Mo

    2013-06-01

    Most previous studies assert the negative effect of loneliness on social life and an individual's well-being when individuals use the Internet. To expand this previous research tradition, the current study proposes a model to test whether loneliness has a direct or indirect effect on well-being when mediated by self-disclosure and social support. The results show that loneliness has a direct negative impact on well-being but a positive effect on self-disclosure. While self-disclosure positively influences social support, self-disclosure has no impact on well-being, and social support positively influences well-being. The results also show a full mediation effect of social support in the self-disclosure to well-being link. The results imply that even if lonely people's well-being is poor, their well-being can be enhanced through the use of SNSs, including self-presentation and social support from their friends.

  11. Lone-Actor Terrorism. Toolkit Paper 1: Practical Guidance for Mental Health Practitioners and Social Workers

    OpenAIRE

    Bakker, E.; Roy, de, van Zuijdewijn J.

    2016-01-01

    The aim of this paper is to draw out practical implications for mental health practitioners and social workers in dealing with Lone-Actor Terrorism. It is not intended to provide a profile of lone-actor terrorists, but rather to offer guidance that may be of use to practitioners in Europe (and beyond), supporting the development of strategies to detect and deal with potential lone-actor terrorists and to understand the possible risk posed by persons of interest. This paper presents three sets...

  12. 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.

  13. 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...

  14. "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...

  15. 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.

  16. 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.

  17. 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...

  18. 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 ...

  19. 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...

  20. Differences between Homicides Committed by Lone and Multiple Offenders in Korea.

    Science.gov (United States)

    Park, Jisun; Cho, Joon Tag

    2018-05-16

    The aim of this study was to differentiate between homicides committed by multiple offenders and homicides committed by lone offenders. Using data on homicide incidents that occurred in South Korea between 1985 and 2008, we compared 134 homicides committed by multiple offenders, with 369 homicides committed by lone offenders. A greater proportion of homicides committed by multiple offenders involved injuries to the victim's head compared to homicides by lone offenders. Homicides committed by multiple offenders were more likely to involve blunt instruments and ligatures, whereas homicides by lone offenders were more likely to involve sharp instruments. In addition, a majority of the homicides committed by multiple offenders were planned. The results of this study have practical implications for homicide investigations, as well as theoretical implications for homicide research on the difference in offense behaviors based on the number of offenders. © 2018 American Academy of Forensic Sciences.

  1. Cultural antecedents of feeling lonely : Individualism, collectivism, and loneliness in Austria

    NARCIS (Netherlands)

    Heu, Luzia; van Zomeren, Martijn; Hansen, Nina

    2017-01-01

    Feeling lonely is profoundly unhealthy, but poorly understood. We examined the cultural dimension of collectivism (vs. individualism) as a potential risk factor for loneliness. Generally, we expected loneliness to flow from perceived ideal-actual discrepancies regarding social relationship

  2. The health and socio-economic circumstances of British lone mothers over the last two decades

    DEFF Research Database (Denmark)

    Shouls, S; Whitehead, M; Burström, B

    1999-01-01

    This article examines the trends in the socio-economic circumstances and health of lone mothers compared to couple mothers from 1979 to 1995 in Great Britain using secondary analysis of data from General Household Survey and covering 9,159 lone mothers and 51,922 couple mothers living in private...... households. The main measures are self perceived general health, limiting long-standing illness, poverty and working status....

  3. Lone Actor Terrorist Attack Planning and Preparation: A Data-Driven Analysis.

    Science.gov (United States)

    Schuurman, Bart; Bakker, Edwin; Gill, Paul; Bouhana, Noémie

    2017-10-23

    This article provides an in-depth assessment of lone actor terrorists' attack planning and preparation. A codebook of 198 variables related to different aspects of pre-attack behavior is applied to a sample of 55 lone actor terrorists. Data were drawn from open-source materials and complemented where possible with primary sources. Most lone actors are not highly lethal or surreptitious attackers. They are generally poor at maintaining operational security, leak their motivations and capabilities in numerous ways, and generally do so months and even years before an attack. Moreover, the "loneness" thought to define this type of terrorism is generally absent; most lone actors uphold social ties that are crucial to their adoption and maintenance of the motivation and capability to commit terrorist violence. The results offer concrete input for those working to detect and prevent this form of terrorism and argue for a re-evaluation of the "lone actor" concept. © 2017 The Authors. Journal of Forensic Sciences published by Wiley Periodicals, Inc. on behalf of American Academy of Forensic Sciences.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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 ...

  9. 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.

  10. 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] ...

  11. 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

  12. 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

  13. 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

  14. 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

  15. 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...

  16. 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...

  17. 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…

  18. 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

  19. 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).

  20. 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...

  1. 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...

  2. 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.

  3. 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...

  4. 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...

  5. 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...

  6. Adult Workers in Theory or Practice? : Lone Mothers’ Participation in Active Labour Market Programmes in Germany

    Directory of Open Access Journals (Sweden)

    Cordula Zabel

    2015-03-01

    Full Text Available This paper examines lone mothers’ participation in active labour market programmes in Germany. Since the 2005 Hartz IV employment and welfare policy reforms, expectations that non-em- ployed parents receiving means-tested benefits should be ready for employment or labour market programme participation have grown stronger. However, discretion for programme assignments is left to individual caseworkers. As a consequence, it is not clear to what extent the formal policy orientation towards an adult worker model of the family is reflected in practical policy implemen- tations. Thus, lone mothers’ participation in active labour market programmes is studied empiri- cally here on the basis of large-scale administrative data, using event-history analysis. Findings are that lone mothers are treated as adult workers with respect to workfare and training pro- grammes even when their children are still quite young. As soon as their youngest child is 3 - 5 years old, lone mothers’ transition rates into these programmes are as high as for childless single women. In the case of programmes that provide more direct pathways into regular employment, like job subsidies and in-firm training programmes, however, participation rates for lone mothers of young children are substantially lower than for childless single women.

  7. IKs Gain- and Loss-of-Function In Early-Onset Lone Atrial Fibrillation

    DEFF Research Database (Denmark)

    Steffensen, Annette Buur; Refsgaard, Lena; Andersen, Martin Nybo

    2015-01-01

    INTRODUCTION: Atrial fibrillation (AF) is the most frequent cardiac arrhythmia. The potassium current IKs is essential for cardiac repolarization. Gain-of-function mutation in KCNQ1, the gene encoding the pore-forming α-subunit of the IKs channel (KV 7.1), was the first ion channel dysfunction...... to be associated with familial AF. We hypothesized that early-onset lone AF is associated with a high prevalence of mutations in KCNQ1. METHODS AND RESULTS: We bidirectionally sequenced the entire coding sequence of KCNQ1 in 209 unrelated patients with early-onset lone AF (...-of-function phenotype. CONCLUSIONS: Mutations in the IKs channel leading to gain-of-function have previously been described in familial AF, yet this is the first time a loss-of-function mutation in KCNQ1 is associated with early-onset lone AF. These findings suggest that both gain-of function and loss...

  8. From macro to micro: the health of Swedish lone mothers during changing economic and social circumstances.

    Science.gov (United States)

    Fritzell, Sara; Ringbäck Weitoft, Gunilla; Fritzell, Johan; Burström, Bo

    2007-12-01

    The deep recession in Sweden in the early 1990s led to high unemployment levels. In addition, policy changes and reductions in welfare benefits increased costs of living. These changes may have affected lone mothers to a greater extent than other groups. How have these changes in the social context and policy context impacted on the health of lone mothers in comparison with couple mothers in Sweden between 1983 and 2001? Survey data on 19,192 mothers over the period of 1983-2001 were used to study changes in individual economic and social circumstances and self-rated health (SRH) with multivariate logistic regression. In addition, all-cause mortality, cause-specific mortality and severe morbidity were studied using registers for the whole population. Three cohorts of mothers aged 20-54 years (starting 1985, 1990 and 1996) were formed. Age-adjusted risk ratios were calculated using Poisson regression. The employment rate among lone mothers declined from 1983 to 2001. At the same time, prevalence of self-reported financial problems and exposure to violence increased. Lone mothers reported worse SRH and had higher risks of hospitalisation and mortality than couple mothers in all time periods. Despite changes in social context and policy context causing an increase of health detrimental exposures, and deteriorated levels of SRH 1980-2001 for lone mothers, there was no evidence of increased differentials over time between lone and couple mothers in less than good SRH, hospitalisation or mortality. Three alternative explanations are discussed: the Swedish welfare state still acts as a buffer for ill health; latency makes the follow-up time too short; and finally, the lack of increased differentials is due to methodological reasons.

  9. Screening of KCNN3 in patients with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Olesen, Morten Sig; Jabbari, Javad; Holst, Anders G

    2011-01-01

    -nucleotide polymorphism (SNP) in KCNN3 with lone AF. Methods and results We sequenced the coding region and splice junctions of KCNN3 in 209 early-onset lone AF patients, screening for variations. A group of 208 healthy blood donors with normal ECGs and without cardiac symptoms were used as controls. All patients...... and controls were of Danish ethnicity. No mutations were found in the coding regions or splice sites of KCNN3. We found one known exonic synonymous SNP (rs1131820) in KCNN3 that was associated with AF. Both the genotype distribution and allele frequencies of SNP rs1131820 were significantly different between...

  10. Strange attractors, spiritual interlopers and lonely wanderers: The search for pre-Pangean supercontinents

    Directory of Open Access Journals (Sweden)

    Joseph G. Meert

    2014-03-01

    A second possibility is that our views of older supercontinents are shaped by well-known connections documented for the most recent supercontinent, Pangea. It is intriguing that three of the four ‘lonely wanderers’ (Tarim, North China, South China did not unite until just before, or slightly after the breakup of Pangea. The fourth ‘lonely wanderer’, the Kalahari (and core Kaapvaal craton has a somewhat unique Archean-age geology compared to its nearest neighbors in Gondwana, but very similar to that in western Australia.

  11. Is it lonely at the top? An empirical study of managers' and nonmanagers' loneliness in organizations.

    Science.gov (United States)

    Wright, Sarah

    2012-01-01

    Loneliness is often assumed to be an occupational hazard for senior-ranked members of an organization. However, most of what researchers hear about being "lonely at the top" is anecdote. This article provides empirical evidence from three separate studies assessing loneliness in managers and nonmanagers. Across all three studies, loneliness did not differ by managerial status. Managers were no more or less lonely than their nonmanager counterparts. This suggests that factors beyond seniority may be contributing to loneliness in organizational settings. Ideas for future research are discussed.

  12. Finding the Wolves in Sheeps Clothing: Ways to Distinguish and Deter Lone-Wolf Terrorists

    Science.gov (United States)

    2015-03-01

    Mark Hamm, “Lone-wolf Terrorism in America: Forging a New Way of Looking at an Old Problem,” YouTube video, 7:32, posted by the National Institute...that factors that influence most lone-wolf terrorists include, “to varying degrees and in variable combinations: personal aversion or depression ...Russia.”97 Also discovered after the bombings, “Tamerlan had a YouTube account that he used to post and watch violent Islamic extremist videos starting

  13. Incomplete right bundle branch block: a novel electrocardiographic marker for lone atrial fibrillation

    DEFF Research Database (Denmark)

    Nielsen, Jonas Bille; Olesen, Morten Salling; Tangø, Mogens

    2011-01-01

    .6 vs. 10.4%; P analysis adjusted for conventional risk factors, IRBBB was strongly associated with lone AF [odds ratio (OR) 5.43; 95% confidence interval (CI) 2.30-13.02; P ....9 ms; P analysis, every 10 ms increase in the PR interval was only borderline significantly associated with an OR of 1.15 (95% CI 0.99-1.32; P = 0.060) for lone AF. Conclusion We are the first to report that IRBBB is strongly and independently associated with early...

  14. High Prevalence of Long QT Syndrome Associated SCN5A Variants in Patients with Early-Onset Lone Atrial Fibrillation

    DEFF Research Database (Denmark)

    Olesen, Morten S; Yuan, Lei; Liang, Bo

    2012-01-01

    a mechanistic overlap between LQTS3 and early-onset lone AF. In 9 of 10 identified mutations and rare variants, we observed compromised biophysical properties affecting the transient peak current. CONCLUSIONS: In a cohort of patients with early-onset lone AF, we identified a high prevalence of SCN5A mutations...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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 ...

  3. 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.

  4. 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.

  5. 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...

  6. 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

  7. 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…

  8. It is all in their mind: A review on information processing bias in lonely individuals.

    Science.gov (United States)

    Spithoven, Annette W M; Bijttebier, Patricia; Goossens, Luc

    2017-12-01

    Loneliness is a distressing emotional state that motivates individuals to renew and maintain social contact. It has been suggested that lonely individuals suffer from a cognitive bias towards social threatening stimuli. However, current models of loneliness remain vague on how this cognitive bias is expressed in lonely individuals. The current review provides an up-to-date overview of studies examining loneliness in relation to various aspects of cognitive functioning. These studies are interpreted in light of the Social Information Processing (SIP) model. A wide range of studies indicate that lonely individuals have a negative cognitive bias in all stages of SIP. More specifically, lonely individuals have an increased attention for social threatening stimuli, hold negative and hostile intent attributions, expect rejection, evaluate themselves and others negatively, endorse less promotion- and more prevention-oriented goals, and have a low self-efficacy. This negative cognitive bias seems specific to the social context. Avenues for future research and implications for clinical practice are discussed. Copyright © 2017 Elsevier Ltd. All rights reserved.

  9. Antimony-121 Moessbauer spectra of antimony(III) compounds with a stereochemically active lone pair

    International Nuclear Information System (INIS)

    Takeda, Masuo; Takahashi, Masashi; Ohyama, Ryuhichi

    1986-01-01

    The Sb-121 Moessbauer parameters at 20 K for 23 antimony(III) compounds were obtained and the data are discussed in terms of known crystal structures. The isomer shifts and quadrupole coupling constants depend strongly on the type of configuration around the Sb(III) atoms with stereochemically active lone pair electrons. (Auth.)

  10. Forget the Alamo: Thinking about History in John Sayles' "Lone Star"

    Science.gov (United States)

    Adams, Anna

    2007-01-01

    John Sayles' film "Lone Star" is an excellent vehicle for teaching about the production and interpretation of history in a high school or introductory level college history class. The film illustrates that history is subjective, that the sorting and arrangement of evidence is what makes history, and that history is not necessarily an inevitable…

  11. Long-term endurance sport is a risk factor for development of lone atrial flutter.

    Science.gov (United States)

    Claessen, Guido; Colyn, Erwin; La Gerche, André; Koopman, Pieter; Alzand, Becker; Garweg, Christophe; Willems, Rik; Nuyens, Dieter; Heidbuchel, Hein

    2011-06-01

    To evaluate whether in a population of patients with 'lone atrial flutter', the proportion of those engaged in long-term endurance sports is higher than that observed in the general population. An age and sex-matched retrospective case-control study. A database with 638 consecutive patients who underwent ablation for atrial flutter at the University of Leuven. Sixty-one patients (55 men, 90%) fitted the inclusion criteria of 'lone atrial flutter', ie, aged 65 years or less, without documented atrial fibrillation and without identifiable underlying disease (including hypertension). Sex, age and inclusion criteria-matched controls, two for each flutter patient, were selected in a general practice in the same geographical region. Sports activity was evaluated by detailed questionnaires, which were available in 58 flutter patients (95%). A transthoracic echocardiogram was performed in all lone flutter patients. Types of sports, number of years of participation and average number of hours per week. The proportion of regular sportsmen (≥3 h of sports practice per week) among patients with lone atrial flutter was significantly higher than that observed in the general population (50% vs 17%; pendurance sports (participation in cycling, running or swimming for ≥3 h/week) was also significantly higher in lone flutter patients than in controls (31% vs 8%; p=0.0003). Those flutter patients performing endurance sports had a larger left atrium than non-sportsmen (p=0.04, by one-way analysis of variance). A history of endurance sports and subsequent left atrial remodelling may be a risk factor for the development of atrial flutter.

  12. 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

  13. Mutations in sodium channel {beta}-subunit SCN3B are associated with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Olesen, Morten Salling; Jespersen, Thomas; Nielsen, Jonas Bille

    2011-01-01

    AIMS: Atrial fibrillation (AF) is the most frequent arrhythmia. Screening of SCN5A-the gene encoding the a-subunit of the cardiac sodium channel-has indicated that disturbances of the sodium current may play a central role in the mechanism of lone AF. We tested the hypothesis that lone AF in young...... across species. Electrophysiological studies on the SCN3B mutation were carried out and all three SCN3B mutations caused a functionally reduced sodium channel current. One synonymous variant was found in SCN4B. CONCLUSION: In 192 young lone AF patients, we found three patients with suspected disease...

  14. 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...

  15. Lone mothers and their network support: Sociodemographic research of nonmarital parenthood in Serbia

    Directory of Open Access Journals (Sweden)

    Stanković Biljana

    2014-01-01

    Full Text Available The aim of this paper is to identify and describe the difficulties faced by families with nonmarital children (especially single-parent, available help and support, participation of the father in raising a child, and expected institutional help. That represents a first step toward better understanding of these families. The paper presents part of the results of research carried out in Belgrade with the aim of insight into the phenomenon of nonmarital childbearing at the individual level. It was conducted on a sample of 100 respondents, mothers of nonmarital children, who attend preschool. The survey was anonymous, carried out by the interview method. For this purpose a questionnaire with more than 50 questions was made, standardized to a great extent. In this paper, the focus is on the hardships and needs of the group of lone mothers. Though some issues take into account the answers of all respondents (21 cohabited mothers and 79 lone mothers, the analysis is largely related to the experiences and reflections of lone mothers. The 2011 Census data on prevalence of consensual unions and characteristics of persons living in them, as well as earlier data on the acknowledgment of paternity, do not indicate that nonmarital childbearing in Serbia takes place primarily in stable unions. It is realistic to assume that a large percentage of mothers with nonmarital children are lone mothers. The research results are generally consistent with the findings of relevant studies from our and foreign countries. As the largest difficulties, lone mothers emphasize financial problems, unemployment, housing difficulties, and child care, as well as a pronounced feeling of loneliness. Most of them in solving problems and rising children rely on their parents and siblings, with whom they often live in the same household. Every fifth lone mother when faced with a major problem, and every ninth in everyday raising a child can count on the father of the child. About a

  16. Evaluation of DEET and eight essential oils for repellency against nymphs of the lone star tick, Amblyomma americanum (Acari: Ixodidae)

    Science.gov (United States)

    Eight commercially available essential oils (oregano, clove, thyme, vetiver, sandalwood, cinnamon, cedarwood, and peppermint) were evaluated for repellency against host-seeking nymphs of the lone star tick, Amblyomma americanum. Concentration- repellency response was established using the vertical ...

  17. Comparative assessment of Azolla pinnata and Vallisneria spiralis in Hg removal from G.B. Pant Sagar of Singrauli Industrial region, India.

    Science.gov (United States)

    Rai, Prabhat Kumar; Tripathi, B D

    2009-01-01

    The aim of the present work was to monitor the Hg pollution in water and sediments of G.B. Pant Sagar located in Singrauli Industrial Region, India and to suggest the efficient aquatic plants for its phytoremediation. The study assessed the comparative potential of a free floating water fern Azolla pinnata and submerged aquatic macrophyte Vallisneria spiralis to purify waters polluted by Hg. Six days laboratory experiments have been conducted to mark the percentage removal of Hg at initial concentration of 0.1, 0.5, 1.0 and 3.0 mg L(-1). The percentage removal of Hg was higher for A. pinnata (80-94%) than V. spiralis (70-84%). Likewise, the Hg accumulated in dry mass was much higher for A. pinnata and a high correlation (R(2) = 0.91 for A. pinnata and 0.99 for V. spiralis) was obtained between applied Hg doses and accumulated amounts in biomass. A concentration dependent decrease in chlorophyll a, protein, RNA, DNA and nutrients (NO(3-) and PO(4)(3-)) uptake was detected in A. pinnata and V. spiralis due to Hg toxicity. The decrease was more prominent in Azolla than Vallisneria. The results recommended the use of A. pinnata and V. spiralis to ameliorate the industrial effluents (thermal power, chlor-alkali and coal mine effluent) contaminated with Hg.

  18. Dependence of the lone pair of bismuth on coordination environment and pressure

    DEFF Research Database (Denmark)

    Olsen, Lars Arnskov; López-Solano, Javier; García, Alberto

    2010-01-01

    DFT calculations have been carried out for Cu4Bi5S10 and Bi2S3 to provide an analysis of the relation between electronic structure, lone electron pairs and the local geometry. The effect of pressure is considered in Bi2S3 and the results are compared to published experimental data. Bi3+ in Cu4Bi5S......-shared charge. These lobes are related to an effective Bi s–Bi p hybridization resulting from coupling to S p orbitals, supporting the modern view of the origin of the stereochemically active lone pair. No effective Bi s–p hybridization is seen for the symmetric site in Cu4Bi5S10, whereas Bi s–p hybridization...

  19. Work-injury absence and compensation among partnered and lone mothers and fathers.

    Science.gov (United States)

    Wong, Imelda S; Smith, Peter M; Mustard, Cameron A; Gignac, Monique A M

    2014-08-01

    The purpose of this study is to examine the risk of a work-injury absence and the likelihood of receiving compensation among partnered and lone mothers and fathers. This study utilized data from an annual survey of Canadian residents. Logistic regression models examined the association between family status and the receipt of workers' compensation, and absences due to work-related injury or illnesses of 7 or more days. Being a lone mother was significantly associated with the risk of work-injury absence. Gender differences were observed for workers' compensation: mothers were half as likely as fathers to receive workers' compensation benefits, which may be attributed to differences in work experiences between men and women. Findings may help in understanding whether some parental situations are more vulnerable than others and may contribute to identifying policies that could help workers sustain employment or return to work following an injury. © 2014 Wiley Periodicals, Inc.

  20. Encrypted Jihad: Investigating the Role of Telegram App in Lone Wolf Attacks in the West

    Directory of Open Access Journals (Sweden)

    Ahmad Shehabat

    2017-10-01

    Full Text Available The study aims to capture links between the use of encrypted communication channel -Telegram and lone wolf attacks occurred in Europe between 2015-2016. To understand threads of ISIS communication on Telegram we used digital ethnography approach which consists of the self-observation of information flows on four of ISIS’s most celebrated telegram Channels. We draw on public sphere theory and coined the term terror socio-sphere 3.0 as the theoretical background of this study. The collected data is presented as screenshots to capture a visual evidence of ISIS communication threads. This study shows that ISIS Telegram channels play critical role in personal communication between potential recruits and dissemination of propaganda that encourage ‘lone wolves’ to carry attacks in the world at large. This study was limited to the number of the channels that have been widely celebrated.

  1. Miscellaneous investigations series: Bedrock geologic map of the Lone Mountain pluton area, Esmeralda County, Nevada

    International Nuclear Information System (INIS)

    Maldonado, F.

    1984-01-01

    The joint attitudes were measured in the field and plotted on aerial photos at a scale of 1:24,000. The pluton is intensely jointed, primarily as a result of cooling and movement of the magma within a northwest-trending stress field. Foliation, in general, is poorly developed, and quality varies from area to area, but it is best developed close to the contacts with the metasedimentary rocks. A prominent northwest foliation direction was observed that parallels the northwest elongation of the exposed pluton. Faults in the pluton are difficult to identify because of the homogeneity of the rock. Several faults were mapped in the northern part of the area where they have a northeast trend and intersect the northwest-trending lamprophyre dikes with little apparent displacement. A major fault that bounds the northern part of the pluton is downthrown to the north and strikes northeast. This fault offsets the alluvium, the metasedimentary rocks, and the pluton and forms fault scraps as high as 10 m. Aeromagnetic data (US Geological Survey, 1979) suggest the following: (1) the local magnetic highs in the central part of the Lone Mountain pluton are probably related to topographic highs (peaks) where the flight lines are closer to the pluton; (2) a magnetic low in the northeastern part of Lone Mountain coincides with the pluton-country rock contact, which may be very steep; (3) the contours for the southwestern part of the mapped area indicate that the pluton-country rock contact is not as steep as that in the northeastern part and that the pluton probably coalesces at depth with the Weepah pluton, a pluton exposed south of the mapped area; and (4) the contours for the area of the Lone Mountain pluton express a northwest-trending gradient that parallels the northwest elongation of the Lone Mountain pluton and the northwest-trending stress field. 10 refs

  2. Measuring online learning systems success: applying the updated DeLone and McLean model.

    Science.gov (United States)

    Lin, Hsiu-Fen

    2007-12-01

    Based on a survey of 232 undergraduate students, this study used the updated DeLone and McLean information systems success model to examine the determinants for successful use of online learning systems (OLS). The results provided an expanded understanding of the factors that measure OLS success. The results also showed that system quality, information quality, and service quality had a significant effect on actual OLS use through user satisfaction and behavioral intention to use OLS.

  3. Validation of the DeLone and McLean Information Systems Success Model

    OpenAIRE

    Ojo, Adebowale I.

    2017-01-01

    Objectives This study is an adaptation of the widely used DeLone and McLean information system success model in the context of hospital information systems in a developing country. Methods A survey research design was adopted in the study. A structured questionnaire was used to collect data from 442 health information management personnel in five Nigerian teaching hospitals. A structural equation modeling technique was used to validate the model's constructs. Results It was revealed that syst...

  4. 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.

  5. Grandparenting and adolescent adjustment in two-parent biological, lone-parent, and step-families.

    Science.gov (United States)

    Attar-Schwartz, Shalhevet; Tan, Jo-Pei; Buchanan, Ann; Flouri, Eirini; Griggs, Julia

    2009-02-01

    There is limited research on the links between grandparenting and adolescents' well-being, especially from the perspective of the adolescents. The study examined whether grandparent involvement varied in two-parent biological, lone-parent, and step-families and whether this had a different contribution to the emotional and behavioral adjustment of adolescents across different family structures. The study is based on a sample of 1,515 secondary school students (ages 11-16 years) from England and Wales who completed a structured questionnaire. Findings of hierarchical regression analyses showed that among the whole sample, greater grandparent involvement was associated with fewer emotional problems (p < .01) and with more prosocial behavior (p < .001). In addition, while there were no differences in the level of grandparent involvement across the different family structures, grandparent involvement was more strongly associated with reduced adjustment difficulties among adolescents from lone-parent and step-families than those from two-parent biological families. A possible implication is that the positive role of grandparent involvement in lone-parent and step- families should be more emphasized in family psychology. (PsycINFO Database Record (c) 2009 APA, all rights reserved).

  6. [Why are students lonely? Factors influencing loneliness in the school context].

    Science.gov (United States)

    Klicpera, Barbara Gasteiger; Klicpera, Christian

    2003-01-01

    A significant amount of children and adolescents consider themselves as lonely because their essential social needs are not sufficiently met. The present study analyzes the contributions of group acceptance reflected by the social status, of social behaviors, reciprocal friendships, and family climate to the frequency and intensity of loneliness. About 1200 students of 6th and 8th grade of secondary school in Vienna were asked about their social experiences in school. Peers filled up questionnaires about the behavior of these students. A major part of the 11- and 13-year-old students had negative social experiences in school and about 15% were suffering from these experiences and considered themselves as lonely. Lack of acceptance in the group contributed to this self appraisal as well as a lack of friends and (according to the students) little support by the family. Social behavior of lonely students was remarkable for frequent victimizations and a low level of prosocial behavior. The impact of poor group acceptance on the feeling of loneliness was transmitted by these two features of social behavior.

  7. Learning from "Knocks in Life": Food Insecurity among Low-Income Lone Senior Women.

    Science.gov (United States)

    Green-Lapierre, Rebecca J; Williams, Patricia L; Glanville, N Theresa; Norris, Deborah; Hunter, Heather C; Watt, Cynthia G

    2012-01-01

    Building on earlier quantitative work where we showed that lone senior households reliant on public pensions in Nova Scotia (NS), Canada lacked the necessary funds for a basic nutritious diet, here we present findings from a qualitative study involving in-depth interviews with eight low-income lone senior women living in an urban area of NS. Using a phenomenological inquiry approach, in-depth interviews were used to explore lone senior women's experiences accessing food with limited financial resources. Drawing upon Bronfenbrenner's Ecological Systems Theory, we explored their perceived ability to access a nutritionally adequate and personally acceptable diet, and the barriers and enablers to do so; as well in light of our previous quantitative research, we explored their perceptions related to adequacy of income, essential expenses, and their strategies to manage personal finances. Seven key themes emerged: world view, income adequacy, transportation, health/health problems, community program use, availability of family and friends, and personal food management strategies. World view exerted the largest influence on seniors' personal perception of food security status. The implications of the findings and policy recommendations to reduce the nutritional health inequities among this vulnerable subset of the senior population are considered.

  8. Learning from “Knocks in Life”: Food Insecurity among Low-Income Lone Senior Women

    Directory of Open Access Journals (Sweden)

    Rebecca J. Green-LaPierre

    2012-01-01

    Full Text Available Building on earlier quantitative work where we showed that lone senior households reliant on public pensions in Nova Scotia (NS, Canada lacked the necessary funds for a basic nutritious diet, here we present findings from a qualitative study involving in-depth interviews with eight low-income lone senior women living in an urban area of NS. Using a phenomenological inquiry approach, in-depth interviews were used to explore lone senior women’s experiences accessing food with limited financial resources. Drawing upon Bronfenbrenner’s Ecological Systems Theory, we explored their perceived ability to access a nutritionally adequate and personally acceptable diet, and the barriers and enablers to do so; as well in light of our previous quantitative research, we explored their perceptions related to adequacy of income, essential expenses, and their strategies to manage personal finances. Seven key themes emerged: world view, income adequacy, transportation, health/health problems, community program use, availability of family and friends, and personal food management strategies. World view exerted the largest influence on seniors’ personal perception of food security status. The implications of the findings and policy recommendations to reduce the nutritional health inequities among this vulnerable subset of the senior population are considered.

  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. A brief history of 'lone' atrial fibrillation: from 'a peculiar pulse irregularity' to a modern public health concern.

    Science.gov (United States)

    Potpara, Tatjana S; Lip, Gregory Y H

    2015-01-01

    Ever since the original description of a 'peculiar pulse irregularity', atrial fibrillation (AF) has been studied extensively and has come a long journey from the recognition of its cardiac origins, to the modern concept of AF as a serious public health challenge with profound social and economic implications. This arrhythmia affects around 2% of adult population, and the most common underlying heart diseases accompanying AF in the modern era are hypertension, heart failure and coronary artery disease, as well as valvular heart diseases and numerous other cardiac as well as non-cardiac disorders which have been shown to predispose to AF. On occasions, AF occurs in young otherwise apparently healthy individuals (so called 'lone AF'). For a long time, 'lone' AF has been believed to bear a favourable prognosis as compared to AF with underlying structural heart disease, but increasing evidence suggests that 'lone' AF patients represent a rather heterogeneous cohort, with highly variable individual risk profiles due to the presence of various subclinical cardiovascular risk factors or genetically determined subtle alterations at the cellular or molecular level. For these reasons, the existence of truly 'lone' AF has recently been questioned. In this review article, we present a brief history of the recognition of the public health burden of AF. We discuss some of the misconceptions and breakthroughs on modern knowledge on AF, including the rise (and fall) of the 'lone' AF concept.

  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. Feeling lonely in the lab: A literature review and partial examination of recent loneliness induction procedures for experiments

    Directory of Open Access Journals (Sweden)

    Pels Fabian

    2017-01-01

    Full Text Available Few laboratory experiments have been conducted in loneliness research in the past. Therefore, the purpose of this article is to review, partially investigate and discuss loneliness induction procedures in order to facilitate future laboratory experiments in loneliness research (e.g. to examine the link between loneliness and social cognition. Previous studies have found both unconscious (i.e. professional hypnosis and conscious (i.e. recalling and calling out lonely experiences procedures to be successful in inducing loneliness. Another conscious procedure (i.e. recalling and writing down lonely experiences that has been described in recent literature has not yet been examined. Therefore, the present study aimed to examine this procedure using a one-group before-after design. However, this procedure, in which the participants had to recall and write down two lonely situations, was not found to significantly induce loneliness. Of 16 participants, only three reported at least some higher feelings of loneliness following this procedure.

  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. Validation of the DeLone and McLean Information Systems Success Model.

    Science.gov (United States)

    Ojo, Adebowale I

    2017-01-01

    This study is an adaptation of the widely used DeLone and McLean information system success model in the context of hospital information systems in a developing country. A survey research design was adopted in the study. A structured questionnaire was used to collect data from 442 health information management personnel in five Nigerian teaching hospitals. A structural equation modeling technique was used to validate the model's constructs. It was revealed that system quality significantly influenced use (β = 0.53, p Information quality significantly influenced use (β = 0.24, p 0.05), but it significantly influenced perceived net benefits (β = 0.21, p 0.05). The study validates the DeLone and McLean information system success model in the context of a hospital information system in a developing country. Importantly, system quality and use were found to be important measures of hospital information system success. It is, therefore, imperative that hospital information systems are designed in such ways that are easy to use, flexible, and functional to serve their purpose.

  11. What Have We Learned about Lone Wolves from Anders Behring Breivik?

    Directory of Open Access Journals (Sweden)

    Raffaello Pantucci

    2011-12-01

    Full Text Available Anders Behring Breivik’s massacre on July 22, 2011 showed the danger that a well-organized Lone Wolf could cause. The methodical and calculated way with which he prepared and justified his act awoke security services the world over as to the potential menace that this form of terrorism can pose. As they revise their strategies, this article casts a preliminary eye on the case using a particular Lone Wolf prism of analysis to try to see what lessons can be learned from the case. Drawing on Breivik’s own writing and public sources, the article analyses his biography, the ideology he used to justify his act, the degree to which he seems to have been connected to others, his effectiveness, what role the Internet played and his mental competence all to try to draw some early lessons from the case. In concluding it offers some possible lessons learned that might offer practitioners some ideas of how to counter this sort of a threat in the future.

  12. Alberta technology companies ensure lone worker safety from the convenience store to the oil field

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2009-07-01

    Communications technologies have been designed to comply with new provincial legislation in Alberta mandating that employers remain in constant contact with lone workers. The Loner Blackline geographic positioning system (GPS) is a device the size of a mobile phone designed to be worn by workers in order to continuously provide GPS locations to employers. The device also includes a panic button for emergencies as well as a motion detector for tracking a lack in motion. The SafetyBerry is an application designed for BlackBerry units that offers real-time GPS tracking functions for lone workers in order to indicate distress. The NelTrak system is an Alberta-based wireless system that includes a GPS unit, a panic button, and a fob for workers to carry with them, as well as a portable unit that can be installed on all-terrain vehicles or sleds. Rogers Wireless is now planning a $42 million expansion of its voice and data network.

  13. Mothers’ non-standard working and childcare-related challenges : A comparison between lone and coupled mothers

    OpenAIRE

    Moilanen, Sanna; May, Vanessa; Räikkönen, Eija; Sevón, Eija; Laakso, Marja-Leena

    2016-01-01

    Purpose – The purpose of this paper is to particularly focus on lone-mother families, comparing the childcare-related challenges experienced by working lone mothers and coupled mothers in three European countries in the context of a 24/7 economy and non-standard working hours (e.g. evening, night and weekend work). Design/methodology/approach – This study utilises survey data from Finnish, Dutch and British working mothers (n=1,106) collected as part of the “Families 24/7” research ...

  14. A Global Study on Lone Mothers: Exploring the Associations of Self-Assessed General Health with Motherhood Types and Gender Inequality in 32 Countries

    NARCIS (Netherlands)

    Witvliet, Margot I.; Arah, Onyebuchi A.; Stronks, Karien; Kunst, Anton E.

    2014-01-01

    Background: In a study of 32 mostly non-affluent countries, we aimed to i) compare lone mother's general health to the health of other women and ii) assess whether the association of health with gender inequality was stronger among lone mothers than among other women. Methods: World Health Survey

  15. 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...

  16. 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...

  17. 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.

  18. 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...

  19. 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

  20. 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

  1. 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.

  2. 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...

  3. 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...

  4. 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.

  5. Gain-of-function mutations in potassium channel subunit KCNE2 associated with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Nielsen, Jonas Bille; Bentzen, Bo Hjorth; Olesen, Morten Salling

    2014-01-01

    Aims: Atrial fibrillation (AF) is the most common cardiac arrhythmia. Disturbances in cardiac potassium conductance are considered as one of the disease mechanisms in AF. We aimed to investigate if mutations in potassium-channel β-subunits KCNE2 and KCNE3 are associated with early-onset lone AF. ...

  6. 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.

  7. 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.

  8. 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.

  9. Lonely Planet Travel Guides, Dark Tourism and the Baltic States: A Longitudinal Perspective

    Directory of Open Access Journals (Sweden)

    Brent McKenzie

    2014-10-01

    Full Text Available The focus of this research is to take a comparative, longitudinal study of the role of travel guides and the growth of niche tourism.  Specifically this study examines the concept of Dark Tourism, or as defined by Sharpley and Stone, “the act of travel to sites associated with death, suffering and the seemingly macabre” to better understand the growth of such tourism sites and attractions in the Baltic States of Estonia, Latvia, and Lithuania.  Drawing on this broad concept of Dark Tourism, the more narrowly focused perspective of ‘Soviet’ tourism in these former Soviet republics is examined.  The longitudinal nature of this research will aid in the understanding of the development of both tourism and marketing theory by way of historical research,and shed light on the growth of this tourism niche.  The popular Lonely Planet travel guides are used as the source material for this research.

  10. Atrioesophageal Fistula after Minimally Invasive Video-Assisted Epicardial Ablation for Lone Atrial Fibrillation.

    Science.gov (United States)

    Kik, Charles; van Valen, Richard; Mokhles, Mostafa M; Bekkers, Jos A; Bogers, Ad J J C

    2017-09-01

    Minimally invasive video-assisted epicardial beating heart ablation for lone atrial fibrillation claims to be safe and effective. We, however, report on three patients with an atrioesophageal fistula after this procedure. The exact pathogenesis of this complication is unknown. All patients presented around 6 weeks after surgery with either fever or neurological deficits. Diagnosis can be made by computed tomography scan. We advocate an aggressive surgical approach with closure of the atrial defect on cardiopulmonary bypass and closure and reinforcement of the esophagus with an intercostal muscle flap in a single-stage surgery. Some caution as to the low-risk character of this procedure seems to be realistic. Georg Thieme Verlag KG Stuttgart · New York.

  11. Utility of the Lone Star Retractor System in Microsurgical Carotid Endarterectomy.

    Science.gov (United States)

    Toyota, Shingo; Kumagai, Tetsuya; Goto, Tetsu; Mori, Kanji; Taki, Takuyu

    2017-05-01

    The retractor system is an important device in carotid endarterectomy (CEA). We applied the Lone Star (LS) Retractor System, which is a self-retaining retractor originally designed for improved visualization in many other surgical fields, in microsurgical CEA. The LS disposal retractor (14.1 cm × 14.1 cm) and LS elastic stays (5-mm sharp hook) were used as a retractor system in 38 consecutive CEAs. Using the LS retractor system, a shallow operative field could be obtained by lifting up the connective tissue surrounding the deep structures hooked by the LS elastic stays. The LS elastic stays were quick and easy to handle in the microsurgical operative field. There were no complications using the LS retractor system. The application of the LS retractor system in microsurgical CEA is feasible. An additional merit is that it is single use. Copyright © 2017 Elsevier Inc. All rights reserved.

  12. Investigation of the mineral potential of the Clipper Gap, Lone Mountain-Weepah, and Pipe Spring plutons, Nevada

    International Nuclear Information System (INIS)

    Tingley, J.V.; Maldonado, F.

    1983-01-01

    The Clipper Gap pluton, composed mostly of quartz monzonite with minor granite, granodiorite, and crosscutting alaskite dikes, intrudes Paleozoic western facies strata. A narrow zone of contact metamorphism is present at the intrusive-sediment contact. No mineral production has been recorded from Clipper Gap, but quartz veins containing gold-silver-copper mineral occurrences have been prospected there from the late 1800's to the present. Areas of the Lone Mountain-Weepah plutons that were studied are located in Esmeralda County about 14 km west of Tonopah, Nevada. At Lone Mountain, a Cretaceous intrusive cuts folded Precambrian and Cambrian sediments. Lead-zinc ores have been mined from small replacement ore bodies in the Alpine district, west of Lone Mountain. Copper and molybdenum occurrences have been found along the east flank of Lone Mountain, and altered areas were noted in intrusive outcrops around the south end of Lone Mountain. Mineral occurrences are widespread and varied with mining activity dating back to the 1860's. The Pipe Spring pluton study area is flanked by two important mining districts, Manhattan to the north and Belmont to the northeast. Mining activity at Belmont dates from 1865. Activity at Manhattan was mainly between 1907 and 1947, but the district is active at the present time (1979). Four smaller mining areas, Monarch, Spanish Springs, Baxter Spring, and Willow Springs, are within the general boundary of the area. The Pipe Spring pluton study area contains numerous prospects along the northern contact zone of the pluton. Tungsten-bearing veins occur within the pluton near Spanish Springs, with potential for gold-tungsten placer in the Ralston Valley. Nickel and associated metals occur at Willow Spring and Monarch Ranch, where prospects may be associated with the margin of the Big Ten Peak Caldera

  13. A Multi-Method Experiment to Investigate Geyser Dynamics: Lone Star Geyser, Yellowstone National Park

    Science.gov (United States)

    Hurwitz, S.; Vandemeulebrouck, J.; Johnston, M. J.; Sohn, R. A.; Karlstrom, L.; Rudolph, M. L.; Murphy, F.; McPhee, D. K.; Glen, J. M.; Soule, S. A.; Pontbriand, C.; Meertens, C. M.

    2011-12-01

    Geysers are intermittently discharging hot springs that are driven by steam and non-condensable gas. They provide unique opportunities to study multiphase eruption processes and the geophysical signals they induce. In September 2010 we carried out a four-day experiment at Lone Star Geyser in Yellowstone National Park. The geyser is located about 5 km SSE of Old Faithful Geyser and 75 m north of the Upper Firehole River. Lone Star is a cone geyser that was selected for the experiment because it is isolated from other geysers, its eruptions are vigorous and voluminous, and its eruption intervals are relatively constant and predictable, occurring approximately every 3 hours. We made measurements during 32 eruption cycles using a suite of instruments including a broadband seismometer, 2 microphones, 5 platform tiltmeters, 3 collimating InfraRed sensors, 2 gravimeters, 2 self-potential sensors, 2 Light Detection And Ranging (LiDAR) scanners, a Forward Looking InfraRed (FLIR) camera, high-speed video cameras, and stream gauging. We also integrated meteorological data from nearby weather stations. The large dataset acquired during the experiment allows for the detection of a myriad of processes in the subsurface and in the erupting column at many different frequencies. The analyzed data yield new insights on multiphase eruptive processes that have implications for understanding self-organized, intermittent processes in nature that result from phase separation and localized input of energy and mass. The geophysical signals recorded during the experiment allow comparison with signals recorded in more complex volcanic systems where gas-driven and magma-driven processes are often hard to distinguish.

  14. O panteão familiar e a adoção do vocabulário clássico-renascentista no panorama da escultura tumular portuguesa : o exemplo da capela dos Ataídes no antigo convento de Santo António da Castanheira

    OpenAIRE

    Andrade, Sara Morais Saraiva de, 1977-

    2015-01-01

    Tese de doutoramento em História, Universidade Lusíada de Lisboa, 2014 Exame público realizado em 20 de Abril de 2015 O objetivo principal da presente dissertação consiste na identificação, caraterização e análise do vocabulário ornamental clássico-renascentista ao romano patente nos panteões familiares renascentistas nacionais. Partindo de uma capela única no espaço funerário renascentista nacional – o panteão familiar dos Ataídes (da Castanheira), edificado entre 1532 e 1550 e analisa...

  15. Natureza ou Deus: afinidades panteístas entre Goethe e o "brasileiro" Martius Nature or God: pantheistic affinities between Goethe and Martius, "the Brazilian"

    Directory of Open Access Journals (Sweden)

    Marcus V. Mazzari

    2010-01-01

    Full Text Available Na segunda parte do romance As afinidades eletivas, a jovem Ottilie registra em seu diário as seguintes palavras: "Digno de veneração é apenas o naturalista que sabe descrever e expor o mais estranho, o mais insólito, com sua cor local, com todo o seu entorno e sempre em seu elemento mais próprio. Como eu gostaria de ver-me um dia na presença de Humboldt, ouvindo suas narrações!". A passagem revela, ao lado da admiração de Goethe por Humboldt, o seu interesse pelas ciências naturais, o qual experimenta significativa intensificação em setembro de 1824, quando estabelece contato pessoal com o botânico Carl F. P. von Martius. Em seu jovem interlocutor Goethe logo reconhece as qualidades de naturalista que no romance são atribuídas a Humboldt. Passa então a acompanhar com máximo interesse as publicações em que Martius elabora as pesquisas, observações e experiências realizadas ao longo dos três anos e meio em que percorreu, junto com o zoólogo Spix, mais de dez mil quilômetros de território brasileiro. Nasce assim um intercâmbio científico e cultural dos mais fecundos, o qual se enraíza especialmente nas concepções panteístas de que partilhavam o velho poeta de Weimar e o jovem botânico. Além de enfocar alguns aspectos das viagens brasileiras de Martius, este ensaio tem por objetivo expor a sua recepção por Goethe e discutir ainda eventuais influxos sobre sua produção literária. A reelaboração, em 1825, de uma das canções que Goethe, 43 anos antes, havia redigido com o subtítulo Brasilianisch deve-se seguramente a esse intercâmbio. Pretende-se discutir também a hipótese de que determinados textos e concepções de Martius tenham deixado vestígios em passagens da segunda parte do Fausto.In the second part of the novel Elective Affinities, young Ottilie registered the following words in her diary: "The only inquirers into nature whom we care to respect, are such as know how to describe and to represent

  16. 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.

  17. 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.

  18. 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...

  19. 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...

  20. Detection of Ehrlichia chaffeensis in adult and nymphal stage lone star ticks (Amblyomma americanum) from Long Island, New York

    Science.gov (United States)

    Mixson, T.R.; Ginsberg, H.S.; Campbell, S.R.; Sumner, J.W.; Paddock, C.D.

    2004-01-01

    The lone star tick, Amblyomma americanum (L.), has increased in abundance in several regions of the northeastern United States, including areas of Long Island, NY. Adult and nymphal stage A. americanum collected from several sites on Long Island were evaluated for infection with Ehrlichia chaffeensis, the causative agent of human monocytic ehrlichiosis (HME), by using a nested polymerase chain reaction assay. Fifty-nine (12.5%) of ,17.3 adults and eight of 11.3 pools of five nymphs each (estimated minimum prevalence of infection 1.4%) contained DNA of E. chaffeensis. These data, coupled with the documented expansion of lone star tick populations in the northeastern United States, confirm that E. chaffeensis is endemic to many areas of Long Island and that HME should be considered among the differential diagnoses of the many distinct tick-borne diseases that occur in this region.

  1. Effects of interlayer Sn-Sn lone pair interaction on the band gap of bulk and nanosheet SnO

    Science.gov (United States)

    Umezawa, Naoto; Zhou, Wei

    2015-03-01

    Effects of interlayer lone-pair interactions on the electronic structure of SnO are firstly explored by the density-functional theory. Our comprehensive study reveals that the band gap of SnO opens as increase in the interlayer Sn-Sn distance. The effect is rationalized by the character of band edges which consists of bonding and anti-bonding states from interlayer lone pair interactions. The band edges for several nanosheets and strained double-layer SnO are estimated. We conclude that the double-layer SnO is a promising material for visible-light driven photocatalyst for hydrogen evolution. This work is supported by the Japan Science and Technology Agency (JST) Precursory Research for Embryonic Science and Technology (PRESTO) program.

  2. Study on Stereochemical Activity of Lone Pair Electrons in Sulfur and Halogen Coordinated Antimony(III) Complexes by 121Sb Moessbauer Spectroscopy

    International Nuclear Information System (INIS)

    Ohyama, Ryuhichi; Takahashi, Masashi; Takeda, Masuo

    2005-01-01

    We have measured 121 Sb Moessbauer spectra at 20 K for 52 compounds of antimony(III). An Sb(III) atom with the electron configuration [Kr] 4d 10 5s 2 has a lone pair electrons. The stereochemical property of the lone pair has been found to depend very much on the kinds of atoms surrounding the antimony atom and the configurations of the coordinating atoms.

  3. The Nation That Cried Lone Wolf : A Data-Driven Analysis of Individual Terrorists in the United States Since 9/11

    OpenAIRE

    Eby, Charles A.

    2012-01-01

    Approved for public release; distribution is unlimited Lone-wolf terrorist attacks have occurred in the United States throughout the countrys history. Attempted attacks from individual terrorists unaffiliated with terrorist groups may be becoming more prevalent. Both the general public and government officials acknowledge the presence and importance of these attacks; however, relatively little literature exists on the subject compared to group terrorism. Much of the information on lone wol...

  4. Welfare-to-work interventions and their effects on the mental and physical health of lone parents and their children

    Science.gov (United States)

    Gibson, Marcia; Thomson, Hilary; Banas, Kasia; Lutje, Vittoria; McKee, Martin J; Martin, Susan P; Fenton, Candida; Bambra, Clare; Bond, Lyndal

    2018-01-01

    Background Lone parents in high-income countries have high rates of poverty (including in-work poverty) and poor health. Employment requirements for these parents are increasingly common. 'Welfare-to-work' (WtW) interventions involving financial sanctions and incentives, training, childcare subsidies and lifetime limits on benefit receipt have been used to support or mandate employment among lone parents. These and other interventions that affect employment and income may also affect people's health, and it is important to understand the available evidence on these effects in lone parents. Objectives To assess the effects of WtW interventions on mental and physical health in lone parents and their children living in high-income countries. The secondary objective is to assess the effects of welfare-to-work interventions on employment and income. Search methods We searched the Cochrane Central Register of Controlled Trials (CENTRAL), MEDLINE Ovid, Embase Ovid, PsycINFO EBSCO, ERIC EBSCO, SocINDEX EBSCO, CINAHL EBSCO, Econlit EBSCO, Web of Science ISI, Applied Social Sciences Index and Abstracts (ASSIA) via Proquest, International Bibliography of the Social Sciences (IBSS) via ProQuest, Social Services Abstracts via Proquest, Sociological Abstracts via Proquest, Campbell Library, NHS Economic Evaluation Database (NHS EED) (CRD York), Turning Research into Practice (TRIP), OpenGrey and Planex. We also searched bibliographies of included publications and relevant reviews, in addition to many relevant websites. We identified many included publications by handsearching. We performed the searches in 2011, 2013 and April 2016. Selection criteria Randomised controlled trials (RCTs) of mandatory or voluntary WtW interventions for lone parents in high-income countries, reporting impacts on parental mental health, parental physical health, child mental health or child physical health. Data collection and analysis One review author extracted data using a standardised extraction

  5. 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...

  6. Reconciliation of work and care among lone mothers of adults with intellectual disabilities: the role and limits of care capital.

    Science.gov (United States)

    Chou, Yueh-Ching; Kröger, Teppo

    2014-07-01

    In this study, the concept of social capital is applied to an exploration of Guanxi (social networking to create good relationships) among working lone mothers of adults with intellectual disabilities (ID) in Taiwan. Using in-depth interviews, this study explores the role of social capital, here referred to as 'care capital', in making it possible for working lone mothers to combine their roles as family carers and workers. Eleven divorced or widowed mothers combining their paid work with long-term care responsibilities were recruited from a survey or through NGOs and were interviewed at their home between October 2008 and July 2010. An interpretative phenomenological approach was adopted for data analysis. The findings revealed that the mothers' care capital was extremely limited and was lost, gained and lost again during their life-cycles of long-term care-giving. Guanxi, especially in relation to their employers, proved to be the sole source of care capital for these mothers, making reconciliation between work and care responsibilities possible. In the absence of formal or informal support, religion and the mother-child relationship seemed also to become a kind of care capital for these lone mothers, helping them to get by with their life-long care responsibilities. For formal social and healthcare services, not just in Taiwan but in every country, it is important to develop support for lone mothers of adults with ID who have long-term care responsibilities and low levels of care capital and thus face care poverty. © 2014 John Wiley & Sons Ltd.

  7. UF's Lone Cabbage Oyster Reef Restoration Project: a use case in implementing a data management plan (DMP)

    OpenAIRE

    Aufmuth, Joe

    2018-01-01

    Data management plans are created to satisfy funding agency proposal requirements related to the data life cycle. Once an award is made researchers must implement the plan they described. But how is this best accomplished? The presentation UF’s Lone Cabbage Oyster Reef Restoration Project: a use case in implementing a data management plan (DMP) describes how PI's for this grant funded research project are achieving its data management plan goals using an academic library's consulting team.

  8. La production d’une représentation touristique. Une objectivation des guides Lonely Planet sur le Groenland

    OpenAIRE

    Delmas, Antoine

    2013-01-01

    International audience; This article uses Lonely planet books published about Greenland between 1991 and 2005 to do a diachronic study. The central theme of these books is the will of their authors to highlight close-knit communities specific of main readership, backpackers. Criticize other tourists should be a way to create a collective identity and a singular way to discover wilderness and culture, the most important attractions of the island. Nevertheless this collective identity can be qu...

  9. Evaluation of four commercial natural products for repellency and toxicity against the lone star tick, Amblyomma americanum (Acari: Ixodidae).

    Science.gov (United States)

    Machtinger, Erika T; Li, Andrew Y

    2017-12-01

    Lone star ticks are aggressive ectoparasites of domestic and wild animals, as well as humans. These ticks can transmit many pathogens that cause disease including Erhlichia and tularemia. Common compounds used for personal protection and area sprays are N-diethyl-3-methyl benzamide (DEET) and permethrin, but public concern over personal and environmental safety require the development of new, safer products. In the current study, four commercially available products (Wondercide, Essentria IC 3 , Vet's Best, and Mosquito Barrier) were tested for both repellent and toxic effects against lone star tick nymphs and adults. Overall, all four products were more effective against nymphs than against adults. Wondercide and Essentria IC 3 were as toxic to nymphs as permethrin at concentrations of 3.13% and higher, and as repellent as DEET at all concentrations. Nymphs were also repelled by Mosquito Barrier and Vet's Best, but these products had about half or less of the repellent effects of Wondercide and Essentria IC 3 at most of the concentrations. Adult ticks were repelled similarly by all products at all tested concentrations, but at lower levels than nymphs. Toxicity of the four tested products on adults was similar at concentrations of 12.5% and below, less than half of what was observed with permethrin with declining effectiveness as concentrations decreased. Overall, these four products may offer a natural way to repel lone star ticks, but further field testing is needed to determine rates of application and residual activity.

  10. Screening of the Ito regulatory subunit Klf15 in patients with early-onset lone atrial fibrillation

    Directory of Open Access Journals (Sweden)

    Morten Wagner Nielsen

    2013-05-01

    Full Text Available Several studies have associated mutations in genes encoding potassium channels and accessory subunits involved in cardiac repolarisation with susceptibility of atrial fibrillation (AF. Recently, the krüppel-like factor 15 (Klf15 was found to transcriptionally control rhythmic expression of KChIP2, a critical subunit required for generating the transient outward potassium current (Ito, and that deficiency or excess of Klf15 increased susceptibility of arrhythmias. On this basis we hypothesized that mutations in Klf15 could be associated with susceptibility of AF.A total of 209 unrelated Caucasian lone AF patients were screened for mutations in KLF15 by direct sequencing. No mutations in the lone AF cohort were found. In one patient we found a synonymous variant (c.36C>T. In NHLBI GO Exome Sequencing Project (ESP the variant was present in 31 of 4269 Caucasian individuals and in 3 of 2200 African Americans. In our cohort KLF15 were not associated with lone AF.

  11. Food management behaviours in food-insecure, lone mother-led families.

    Science.gov (United States)

    Sim, S Meaghan; Glanville, N Theresa; McIntyre, Lynn

    2011-01-01

    Little is known about how food is managed in households where food resources are scarce. In this study, the household food management behaviours utilized by food-insecure, lone mother-led families from Atlantic Canada were characterized, and relationships among these behaviours and diet quality were examined. Thematic analysis of 24 in-depth interviews from a larger study of mother-led, low-income families was integrated with sociodemographic characteristics, food-insecurity status, and four weekly 24-hour dietary recalls for all household members to yield a family behaviour score (FBS) as a summative measure of food management behaviours, and a healthy plate score (HPS) as a measure of diet quality. Five distinct food management behaviours were identified: authoritative, healthism, sharing, structured, and planning behaviours. An increase in the FBS was associated with a proportional increase in the HPS. Authoritative, healthism, and planning food management behaviours were the strongest predictors of the HPS for all household members (p<0.05). The structured management behaviour was related to the degree of food insecurity. The FBS and HPS tools hold promise as a way to identify food-insecure families at risk of low diet quality. The next phase of this research will validate the use of these tools in the practice setting.

  12. Energiewende’s Lone Warriors: A Hyperlink Network Analysis of the German Energy Transition Discourse

    Directory of Open Access Journals (Sweden)

    Jonas Kaiser

    2016-08-01

    Full Text Available This paper explores the integration of different social fields within the German Energy Transition (Energiewende discourse in the election year 2013 by analysing the hyperlink structures online. Energiewende describes the fundamental transition from non-renewable energy to sustainable sources. This goal is both ambitious and controversial. Numerous stakeholders try to make their voices and interests heard and as such politics has to both disseminate and collect information in order to include all relevant groups from different social fields in the political process. This discourse is also visible online. By analysing the hyperlink structures we are able to see the attention distribution of different actor groups in the network. This study shows that most actors tend to link within their own social field and do not aim for a more integrated public sphere. Especially political actors appear to be lone warriors who neither look left or right and mostly link within their own party and ignore other actors. Whereas social field as the media or public administration are relevant within the network we find that scientific actors are ignored by all fields, except for their own.

  13. Eruptions at Lone Star geyser, Yellowstone National Park, USA: 2. Constraints on subsurface dynamics

    Science.gov (United States)

    Vandemeulebrouck, Jean; Sohn, Robert A.; Rudolph, Maxwell L.; Hurwitz, Shaul; Manga, Michael; Johnston, Malcolm J.S.; Soule, S. Adam; McPhee, Darcy K.; Glen, Jonathan M.G.; Karlstrom, Leif; Murphy, Fred

    2014-01-01

    We use seismic, tilt, lidar, thermal, and gravity data from 32 consecutive eruption cycles of Lone Star geyser in Yellowstone National Park to identify key subsurface processes throughout the geyser's eruption cycle. Previously, we described measurements and analyses associated with the geyser's erupting jet dynamics. Here we show that seismicity is dominated by hydrothermal tremor (~5–40 Hz) attributed to the nucleation and/or collapse of vapor bubbles. Water discharge during eruption preplay triggers high-amplitude tremor pulses from a back azimuth aligned with the geyser cone, but during the rest of the eruption cycle it is shifted to the east-northeast. Moreover, ~4 min period ground surface displacements recur every 26 ± 8 min and are uncorrelated with the eruption cycle. Based on these observations, we conclude that (1) the dynamical behavior of the geyser is controlled by the thermo-mechanical coupling between the geyser conduit and a laterally offset reservoir periodically filled with a highly compressible two-phase mixture, (2) liquid and steam slugs periodically ascend into the shallow crust near the geyser system inducing detectable deformation, (3) eruptions occur when the pressure decrease associated with overflow from geyser conduit during preplay triggers an unstable feedback between vapor generation (cavitation) and mass discharge, and (4) flow choking at a constriction in the conduit arrests the runaway process and increases the saturated vapor pressure in the reservoir by a factor of ~10 during eruptions.

  14. Lonely young adults in modern Britain: findings from an epidemiological cohort study.

    Science.gov (United States)

    Matthews, Timothy; Danese, Andrea; Caspi, Avshalom; Fisher, Helen L; Goldman-Mellor, Sidra; Kepa, Agnieszka; Moffitt, Terrie E; Odgers, Candice L; Arseneault, Louise

    2018-04-24

    The aim of this study was to build a detailed, integrative profile of the correlates of young adults' feelings of loneliness, in terms of their current health and functioning and their childhood experiences and circumstances. Data were drawn from the Environmental Risk Longitudinal Twin Study, a birth cohort of 2232 individuals born in England and Wales in 1994 and 1995. Loneliness was measured when participants were aged 18. Regression analyses were used to test concurrent associations between loneliness and health and functioning in young adulthood. Longitudinal analyses were conducted to examine childhood factors associated with young adult loneliness. Lonelier young adults were more likely to experience mental health problems, to engage in physical health risk behaviours, and to use more negative strategies to cope with stress. They were less confident in their employment prospects and were more likely to be out of work. Lonelier young adults were, as children, more likely to have had mental health difficulties and to have experienced bullying and social isolation. Loneliness was evenly distributed across genders and socioeconomic backgrounds. Young adults' experience of loneliness co-occurs with a diverse range of problems, with potential implications for health in later life. The findings underscore the importance of early intervention to prevent lonely young adults from being trapped in loneliness as they age.

  15. Kaleidoscoping the Simple: Graphic Representations and Form in The Black Key’s "Lonely Boy"

    Directory of Open Access Journals (Sweden)

    Alessandro Bratus

    2016-02-01

    Full Text Available Formal definition of songs in popular music is often thought of as a simple operation of detecting the juxtaposition of sections such as verse, chorus, bridge, special and so on. In the first part of my paper I propose a different theoretical outlook on the problem of form, showing how it can be fruitfully approached if considered as a system of four underlying principles in a dynamic equilibrium: repetition, superimposition, modularity and stratification. In the second part of the paper a quick survey on the specific case study of The Black Key’s "Lonely boy" shows these different forces at work. The relationships between the various formal principles can be best understood through different sorts of graphic representational strategies, gaining different perspectives on the same object. This multiplication of viable vantage points presents a twofold analytical relevance: it opens the interpretation of the structural traits of cultural objects as part of a complex semiotic system, at same time helping reconstruct a network of meanings which represents their own unique features.

  16. 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...

  17. 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

  18. 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.

  19. 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

  20. 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.

  1. 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

  2. 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

  3. 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...

  4. 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

  5. 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

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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

  12. 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.

  13. 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,

  14. 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.

  15. 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

  16. 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...

  17. 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

  18. 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.

  19. 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...

  20. 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.

  1. Characterization of the bacterial communities of life stages of free living lone star ticks (Amblyomma americanum).

    Science.gov (United States)

    Williams-Newkirk, Amanda Jo; Rowe, Lori A; Mixson-Hayden, Tonya R; Dasch, Gregory A

    2014-01-01

    The lone star tick (Amblyomma americanum) is an abundant and aggressive biter of humans, domestic animals, and wildlife in the southeastern-central USA and an important vector of several known and suspected zoonotic bacterial pathogens. However, the biological drivers of bacterial community variation in this tick are still poorly defined. Knowing the community context in which tick-borne bacterial pathogens exist and evolve is required to fully understand the ecology and immunobiology of the ticks and to design effective public health and veterinary interventions. We performed a metagenomic survey of the bacterial communities of questing A. americanum and tested 131 individuals (66 nymphs, 24 males, and 41 females) from five sites in three states. Pyrosequencing was performed with barcoded eubacterial primers targeting variable 16S rRNA gene regions 5-3. The bacterial communities were dominated by Rickettsia (likely R. amblyommii) and an obligate Coxiella symbiont, together accounting for 6.7-100% of sequences per tick. DNAs from Midichloria, Borrelia, Wolbachia, Ehrlichia, Pseudomonas, or unidentified Bacillales, Enterobacteriaceae, or Rhizobiales groups were also detected frequently. Wolbachia and Midichloria significantly co-occurred in Georgia (pmales containing more Rickettsia and females containing more Coxiella. Comparisons among adult ticks collected in New York and North Carolina supported the findings from the Georgia collection despite differences in geography, collection date, and sample handling, implying that the differences detected are consistent attributes. The data also suggest that some members of the bacterial community change during the tick life cycle and that some sex-specific attributes may be detectable in nymphs.

  2. Kepler-424 b: A "Lonely" Hot Jupiter that Found a Companion

    Science.gov (United States)

    Endl, Michael; Caldwell, Douglas A.; Barclay, Thomas; Huber, Daniel; Isaacson, Howard; Buchhave, Lars A.; Brugamyer, Erik; Robertson, Paul; Cochran, William D.; MacQueen, Phillip J.; Havel, Mathieu; Lucas, Phillip; Howell, Steve B.; Fischer, Debra; Quintana, Elisa; Ciardi, David R.

    2014-11-01

    Hot Jupiter systems provide unique observational constraints for migration models in multiple systems and binaries. We report on the discovery of the Kepler-424 (KOI-214) two-planet system, which consists of a transiting hot Jupiter (Kepler-424b) in a 3.31 day orbit accompanied by a more massive outer companion in an eccentric (e = 0.3) 223 day orbit. The outer giant planet, Kepler-424c, is not detected transiting the host star. The masses of both planets and the orbital parameters for the second planet were determined using precise radial velocity (RV) measurements from the Hobby-Eberly Telescope (HET) and its High Resolution Spectrograph (HRS). In stark contrast to smaller planets, hot Jupiters are predominantly found to be lacking any nearby additional planets; they appear to be "lonely". This might be a consequence of these systems having a highly dynamical past. The Kepler-424 planetary system has a hot Jupiter in a multiple system, similar to \\upsilon Andromedae. We also present our results for Kepler-422 (KOI-22), Kepler-77 (KOI-127), Kepler-43 (KOI-135), and Kepler-423 (KOI-183). These results are based on spectroscopic data collected with the Nordic Optical Telescope (NOT), the Keck 1 telescope, and HET. For all systems, we rule out false positives based on various follow-up observations, confirming the planetary nature of these companions. We performed a comparison with planetary evolutionary models which indicate that these five hot Jupiters have heavy element contents between 20 and 120 M ⊕. Based on observations obtained with the Hobby-Eberly Telescope, which is a joint project of the University of Texas at Austin, the Pennsylvania State University, Stanford University, Ludwig-Maximilians-Universität München, and Georg-August-Universität Göttingen.

  3. Characterization of Lone Pine, California, tremolite asbestos and preparation of research material

    Science.gov (United States)

    Harper, Martin; Van Gosen, Bradley S.; Crankshaw, Owen S; Doorn, Stacy S; Ennis, J. Todd; Harrison, Sara E

    2014-01-01

    Well-characterized amphibole asbestos mineral samples are required for use as analytical standards and in future research projects. Currently, the National Institute for Standards and Technology Standard Reference Material samples of asbestos are listed as ‘Discontinued’. The National Institute for Occupational Safety and Health (NIOSH) has a goal under the Asbestos Roadmap of locating and characterizing research materials for future use. Where an initial characterization analysis determines that a collected material is appropriate for use as a research material in terms of composition and asbestiform habit, sufficient amounts of the material will be collected to make it publicly available. An abandoned mine near Lone Pine, California, contains a vein of tremolite asbestos, which was the probable source of a reference material that has been available for the past 17 years from the Health and Safety Laboratory (HSL) in the UK. Newly collected fibrous vein material from this mine was analyzed at Research Triangle Institute (RTI International) with some additional analysis by the US Geological Survey’s Denver Microbeam Laboratory. The analysis at RTI International included: (i) polarized light microscopy (PLM) with a determination of principal optical properties; (ii) X-ray diffraction; (iii) transmission electron microscopy, including energy dispersive X-ray spectroscopy and selected-area electron diffraction; and (iv) spindle stage analysis using PLM to determine whether individual fibers and bundles of the samples were polycrystalline or single-crystal cleavage fragments. The overall findings of the study indicated that the material is tremolite asbestos with characteristics substantially similar to the earlier distributed HSL reference material. A larger quantity of material was prepared by sorting, acid-washing and mixing for sub-division into vials of ~10g each. These vials have been transferred from NIOSH to RTI International, from where they can be

  4. Eruptions at Lone Star Geyser, Yellowstone National Park, USA, part 1: energetics and eruption dynamics

    Science.gov (United States)

    Karlstrom, Leif; Hurwitz, Shaul; Sohn, Robert; Vandemeulebrouck, Jean; Murphy, Fred; Rudolph, Maxwell L.; Johnston, Malcolm J.S.; Manga, Michael; McCleskey, R. Blaine

    2013-01-01

    Geysers provide a natural laboratory to study multiphase eruptive processes. We present results from a four–day experiment at Lone Star Geyser in Yellowstone National Park, USA. We simultaneously measured water discharge, acoustic emissions, infraredintensity, and visible and infrared video to quantify the energetics and dynamics of eruptions, occurring approximately every three hours. We define four phases in the eruption cycle: 1) a 28 ± 3 minute phase with liquid and steam fountaining, with maximum jet velocities of 16–28 m s− 1, steam mass fraction of less than ∼ 0.01. Intermittently choked flow and flow oscillations with periods increasing from 20 to 40 s are coincident with a decrease in jet velocity and an increase of steam fraction; 2) a 26 ± 8 minute post–eruption relaxation phase with no discharge from the vent, infrared (IR) and acoustic power oscillations gliding between 30 and 40 s; 3) a 59 ± 13 minute recharge period during which the geyser is quiescent and progressively refills, and 4) a 69 ± 14 minute pre–play period characterized by a series of 5–10 minute–long pulses of steam, small volumes of liquid water discharge and 50–70 s flow oscillations. The erupted waters ascend froma 160 − 170° C reservoir and the volume discharged during the entire eruptive cycle is 20.8 ± 4.1 m3. Assuming isentropic expansion, we calculate a heat output from the geyser of 1.4–1.5 MW, which is < 0.1% of the total heat output from Yellowstone Caldera.

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

    Directory of Open Access Journals (Sweden)

    G van der Westhuizen

    2014-08-01

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

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

    Directory of Open Access Journals (Sweden)

    Erjona REBI

    2014-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Akhsyim Afandi

    2017-03-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1997-08-01

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

  9. 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...

  10. 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...

  11. 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

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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.

  17. 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.

  18. 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.

  19. 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

  20. 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.

  1. 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.

  2. La production d’une représentation touristique. Une objectivation des guides Lonely Planet sur le Groenland The production of a tourist representation. An objectification of the Lonely Planet guides on Greenland

    Directory of Open Access Journals (Sweden)

    Antoine Delmas

    2013-03-01

    Full Text Available Cette étude livre une analyse diachronique des différents guides Lonely planet publiés sur le Groenland entre 1991 et 2005. Dans ces ouvrages les auteurs manifestent leur volonté de créer un “entre soi” propre au lectorat principal, les backpackers. La création de cette identité collective se fait par la critique des autres touristes et dans la manière singulière de découvrir la “wilderness” et la culture, principales raisons du succès touristique de l’île. Toutefois, cette identité collective semble remise en question par la confrontation du contenu des guides avec des travaux antérieurs et avec la réalité du terrain.This article uses Lonely planet books published about Greenland between 1991 and 2005 to do a diachronic study. The central theme of these books is the will of their authors to highlight close-knit communities specific of main readership, backpackers. Criticize other tourists should be a way to create a collective identity and a singular way to discover wilderness and culture, the most important attractions of the island. Nevertheless this collective identity can be questioned in comparison to previous study and fieldwork.

  3. The Microbiome of Ehrlichia-Infected and Uninfected Lone Star Ticks (Amblyomma americanum.

    Directory of Open Access Journals (Sweden)

    R T Trout Fryxell

    Full Text Available The Lone Star tick, Amblyomma americanum, transmits several bacterial pathogens including species of Anaplasma and Ehrlichia. Amblyomma americanum also hosts a number of non-pathogenic bacterial endosymbionts. Recent studies of other arthropod and insect vectors have documented that commensal microflora can influence transmission of vector-borne pathogens; however, little is known about tick microbiomes and their possible influence on tick-borne diseases. Our objective was to compare bacterial communities associated with A. americanum, comparing Anaplasma/Ehrlichia -infected and uninfected ticks. Field-collected questing specimens (n = 50 were used in the analyses, of which 17 were identified as Anaplasma/Ehrlichia infected based on PCR amplification and sequencing of groEL genes. Bacterial communities from each specimen were characterized using Illumina sequencing of 16S rRNA gene amplicon libraries. There was a broad range in diversity between samples, with inverse Simpson's Diversity indices ranging from 1.28-89.5. There were no statistical differences in the overall microbial community structure between PCR diagnosed Anaplasma/Ehrlichia-positive and negative ticks, but there were differences based on collection method (P < 0.05, collection site (P < 0.05, and sex (P < 0.1 suggesting that environmental factors may structure A. americanum microbiomes. Interestingly, there was not always agreement between Illumina sequencing and PCR diagnostics: Ehrlichia was identified in 16S rRNA gene libraries from three PCR-negative specimens; conversely, Ehrlichia was not found in libraries of six PCR-positive ticks. Illumina sequencing also helped identify co-infections, for example, one specimen had both Ehrlichia and Anaplasma. Other taxa of interest in these specimens included Coxiella, Borrelia, and Rickettsia. Identification of bacterial community differences between specimens of a single tick species from a single geographical site indicates that

  4. Lone workers attitudes towards their health: views of Ontario truck drivers and their managers.

    Science.gov (United States)

    McDonough, Beatrice; Howard, Michelle; Angeles, Ricardo; Dolovich, Lisa; Marzanek-Lefebvre, Francine; Riva, John J; Laryea, Stephanie

    2014-05-14

    Truck driving is the second most common occupation among Canadian men. Transportation of goods via roads is of crucial importance for the Canadian economy. The industry is responsible annually for $17 billion in GDP and is projected to increase by 28% over the next 10 years. Recruitment is an issue with 20% of drivers projected to retire or leave the profession in the next 10 years. Despite the reliance on transport truck drivers for the delivery of goods which affects Canada's economy and daily living of residents, little is known about the health care needs of this large cohort of primarily male lone workers from a drivers' perspective. Transport truck drivers are independent workers whose non traditional workplace is their tractor, the truck stops and the journey on the road.The objective of this study was to obtain a contextually informed description of lifestyle issues, health and disease risk factors experienced by drivers and perceived by their managers in the truck driving occupation. Using a grounded theory approach, 4 focus groups were conducted with drivers (n = 16) and managers (n = 10) from two trucking companies in Southwestern Ontario to identify the lived experience of the drivers as it relates to preventable risks to health and wellness. A semi structured guided interview was used to explore the lifestyle context of transport truck driving and organizational aspects of the occupation (workplace culture, working conditions and health and wellness promotion). The predominant themes described stress, workplace, communication, lifestyle, driving culture, family, and fatigue concerns. In terms of the transportation work environment, drivers and managers were aware of the profession's potential to foster lifestyle related chronic diseases but described challenges in making the profession more amenable to a healthy lifestyle. Workplace environmental determinants are significant in shaping health behaviours. Chronic disease health risks were the

  5. 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...

  6. A global study on lone mothers: exploring the associations of self-assessed general health with motherhood types and gender inequality in 32 countries.

    Science.gov (United States)

    Witvliet, Margot I; Arah, Onyebuchi A; Stronks, Karien; Kunst, Anton E

    2014-01-01

    In a study of 32 mostly non-affluent countries, we aimed to i) compare lone mother's general health to the health of other women and ii) assess whether the association of health with gender inequality was stronger among lone mothers than among other women. World Health Survey data were analyzed on 57,182 women aged 18 to 50 in 32 countries. The main outcome was self-assessed general poor health. The Global Gender Gap Index (GGGI) was used to measure the magnitude of gender inequality within countries. Logistic multilevel regression was used to compare the health of different groups of women, and to study the possible influence of gender inequality. Compared with all other women, lone mothers had the highest odds of poor health odds ratio (OR, 1.15; 95% confidence interval [CI], 1.09-1.22), also at 35 years or older with an OR of 1.18 (95% CI, 1.10-1.27). Lone mothers in Ethiopia and Tunisia had the highest odds of reporting poor health (OR, 1.65 [95% CI, 1.21-2.26] and OR, 1.57 [95% CI, 0.92-2.68], respectively). The degree of gender inequality was weakly related to cross-national variations in health of women. These associations were about similar for all women. For example, the OR for the GGGI was 1.03 for all women except coupled mothers. As within North America, lone mothers in non-affluent countries tend to have higher rates of poor health. The degree of gender inequality is not related to the relative health of lone mothers, suggesting that other characteristics of nations might be more influential. Copyright © 2014 Jacobs Institute of Women's Health. Published by Elsevier Inc. All rights reserved.

  7. Who often feels lonely? A cross-sectional study about loneliness and its related factors among older home-dwelling people.

    Science.gov (United States)

    Tomstad, Solveig; Dale, Bjørg; Sundsli, Kari; Saevareid, Hans Inge; Söderhamn, Ulrika

    2017-12-01

    To investigate the prevalence of individuals who often feel lonely among a sample of Norwegian older home-dwelling people aged ≥65 years old, as well as to identify any possible factors explaining their loneliness. Loneliness is known to be common among older people. To identify those older adults who are lonely, and to acquire knowledge about the complexity of their loneliness, is important to provide them with adequate help and support. This study employed a cross-sectional design. A questionnaire was mailed to a randomised sample of 6,033 older home-dwelling persons aged ≥65 years. A total of 2,052 persons returned the questionnaire and were included in the study. The questionnaire consisted of questions asking whether the subjects often felt lonely or not, as well as health-related and background questions and instruments to measure the participants' sense of coherence, mental problems, nutritional screening and self-care ability. The data were analysed using univariate and multivariate statistical methods. A total of 11.6% of the participants reported often feeling lonely. Six factors emerged to be independently associated with often feeling lonely among the respondents: Living alone, not being satisfied with life, having mental problems, a weak sense of coherence, not having contact with neighbours and being at risk for undernutrition. The study shows that often feeling lonely among older home-dwelling persons is a health-related problem that includes social, psychological and physical aspects. Moreover, these persons have limited resources to overcome feelings of loneliness. Lasting loneliness among older home-dwelling persons requires an overall, person-centred and time-consuming approach by nurses. Nurses with advanced knowledge on geriatric nursing may be required to offer appropriate care and support. Healthcare leaders and politicians should offer possibilities for adequate assessment, support and help. © 2017 John Wiley & Sons Ltd.

  8. Two-thumb technique is superior to two-finger technique during lone rescuer infant manikin CPR.

    Science.gov (United States)

    Udassi, Sharda; Udassi, Jai P; Lamb, Melissa A; Theriaque, Douglas W; Shuster, Jonathan J; Zaritsky, Arno L; Haque, Ikram U

    2010-06-01

    Infant CPR guidelines recommend two-finger chest compression with a lone rescuer and two-thumb with two rescuers. Two-thumb provides better chest compression but is perceived to be associated with increased ventilation hands-off time. We hypothesized that lone rescuer two-thumb CPR is associated with increased ventilation cycle time, decreased ventilation quality and fewer chest compressions compared to two-finger CPR in an infant manikin model. Crossover observational study randomizing 34 healthcare providers to perform 2 min CPR at a compression rate of 100 min(-1) using a 30:2 compression:ventilation ratio comparing two-thumb vs. two-finger techniques. A Laerdal Baby ALS Trainer manikin was modified to digitally record compression rate, compression depth and compression pressure and ventilation cycle time (two mouth-to-mouth breaths). Manikin chest rise with breaths was video recorded and later reviewed by two blinded CPR instructors for percent effective breaths. Data (mean+/-SD) were analyzed using a two-tailed paired t-test. Significance was defined qualitatively as pCPR, but there was no significant difference in percent effective breaths delivered between the two techniques. Two-thumb CPR had 4 fewer delivered compressions per minute, which may be offset by far more effective compression depth and compression pressure compared to two-finger technique. Copyright 2010 Elsevier Ireland Ltd. All rights reserved.

  9. Is a lone right hemisphere enough? Neurolinguistic architecture in a case with a very early left hemispherectomy.

    Science.gov (United States)

    Danelli, Laura; Cossu, Giuseppe; Berlingeri, Manuela; Bottini, Gabriella; Sberna, Maurizio; Paulesu, Eraldo

    2013-01-01

    We studied the linguistic profile and neurolinguistic organization of a 14-year-old adolescent (EB) who underwent a left hemispherectomy at the age of 2.5 years. After initial aphasia, his language skills recovered within 2 years, with the exception of some word finding problems. Over the years, the neuropsychological assessments showed that EB's language was near-to-normal, with the exception of lexical competence, which lagged slightly behind for both auditory and written language. Moreover, EB's accuracy and speed in both reading and writing words and non-words were within the normal range, whereas difficulties emerged in reading loan words and in tasks with homophones. EB's functional magnetic resonance imaging (fMRI) patterns for several linguistic and metalinguistic tasks were similar to those observed in the dominant hemisphere of controls, suggesting that his language network conforms to a left-like linguistic neural blueprint. However, a stronger frontal recruitment suggests that linguistic tasks are more demanding for him. Finally, no specific reading activation was found in EB's occipitotemporal region, a finding consistent with the surface dyslexia-like behavioral pattern of the patient. While a lone right hemisphere may not be sufficient to guarantee full blown linguistic competences after early hemispherectomy, EB's behavioral and fMRI patterns suggest that his lone right hemisphere followed a left-like blueprint of the linguistic network.

  10. 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.

  11. 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.

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

    OpenAIRE

    Bruns, Volker

    2004-01-01

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

  13. Welfare-to-work interventions and their effects on the mental and physical health of lone parents and their children.

    Science.gov (United States)

    Gibson, Marcia; Thomson, Hilary; Banas, Kasia; Lutje, Vittoria; McKee, Martin J; Martin, Susan P; Fenton, Candida; Bambra, Clare; Bond, Lyndal

    2018-02-26

    Lone parents in high-income countries have high rates of poverty (including in-work poverty) and poor health. Employment requirements for these parents are increasingly common. 'Welfare-to-work' (WtW) interventions involving financial sanctions and incentives, training, childcare subsidies and lifetime limits on benefit receipt have been used to support or mandate employment among lone parents. These and other interventions that affect employment and income may also affect people's health, and it is important to understand the available evidence on these effects in lone parents. To assess the effects of WtW interventions on mental and physical health in lone parents and their children living in high-income countries. The secondary objective is to assess the effects of welfare-to-work interventions on employment and income. We searched the Cochrane Central Register of Controlled Trials (CENTRAL), MEDLINE Ovid, Embase Ovid, PsycINFO EBSCO, ERIC EBSCO, SocINDEX EBSCO, CINAHL EBSCO, Econlit EBSCO, Web of Science ISI, Applied Social Sciences Index and Abstracts (ASSIA) via Proquest, International Bibliography of the Social Sciences (IBSS) via ProQuest, Social Services Abstracts via Proquest, Sociological Abstracts via Proquest, Campbell Library, NHS Economic Evaluation Database (NHS EED) (CRD York), Turning Research into Practice (TRIP), OpenGrey and Planex. We also searched bibliographies of included publications and relevant reviews, in addition to many relevant websites. We identified many included publications by handsearching. We performed the searches in 2011, 2013 and April 2016. Randomised controlled trials (RCTs) of mandatory or voluntary WtW interventions for lone parents in high-income countries, reporting impacts on parental mental health, parental physical health, child mental health or child physical health. One review author extracted data using a standardised extraction form, and another checked them. Two authors independently assessed risk of bias and

  14. Welfare-to-work interventions and their effects on the mental and physical health of lone parents and their children.

    Science.gov (United States)

    Gibson, Marcia; Thomson, Hilary; Banas, Kasia; Lutje, Vittoria; McKee, Martin J; Martin, Susan P; Fenton, Candida; Bambra, Clare; Bond, Lyndal

    2017-08-20

    Lone parents in high-income countries have high rates of poverty (including in-work poverty) and poor health. Employment requirements for these parents are increasingly common. 'Welfare-to-work' (WtW) interventions involving financial sanctions and incentives, training, childcare subsidies and lifetime limits on benefit receipt have been used to support or mandate employment among lone parents. These and other interventions that affect employment and income may also affect people's health, and it is important to understand the available evidence on these effects in lone parents. To assess the effects of WtW interventions on mental and physical health in lone parents and their children living in high-income countries. The secondary objective is to assess the effects of welfare-to-work interventions on employment and income. We searched the Cochrane Central Register of Controlled Trials (CENTRAL), MEDLINE Ovid, Embase Ovid, PsycINFO EBSCO, ERIC EBSCO, SocINDEX EBSCO, CINAHL EBSCO, Econlit EBSCO, Web of Science ISI, Applied Social Sciences Index and Abstracts (ASSIA) via Proquest, International Bibliography of the Social Sciences (IBSS) via ProQuest, Social Services Abstracts via Proquest, Sociological Abstracts via Proquest, Campbell Library, NHS Economic Evaluation Database (NHS EED) (CRD York), Turning Research into Practice (TRIP), OpenGrey and Planex. We also searched bibliographies of included publications and relevant reviews, in addition to many relevant websites. We identified many included publications by handsearching. We performed the searches in 2011, 2013 and April 2016. Randomised controlled trials (RCTs) of mandatory or voluntary WtW interventions for lone parents in high-income countries, reporting impacts on parental mental health, parental physical health, child mental health or child physical health. One review author extracted data using a standardised extraction form, and another checked them. Two authors independently assessed risk of bias and

  15. 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.

  16. 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.

  17. La production d’une représentation touristique. Une objectivation des guides Lonely Planet sur le Groenland The production of a tourist representation. An objectification of the Lonely Planet guides on Greenland

    OpenAIRE

    Antoine Delmas

    2013-01-01

    Cette étude livre une analyse diachronique des différents guides Lonely planet publiés sur le Groenland entre 1991 et 2005. Dans ces ouvrages les auteurs manifestent leur volonté de créer un “entre soi” propre au lectorat principal, les backpackers. La création de cette identité collective se fait par la critique des autres touristes et dans la manière singulière de découvrir la “wilderness” et la culture, principales raisons du succès touristique de l’île. Toutefois, cette identité collectiv...

  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. Effects of two commercial neem-based insecticides on lone star tick, Amblyomma americanum (L.) (Acari: Ixodidae): deterrence, mortality, and reproduction

    Science.gov (United States)

    The lone star tick, Amblyomma americanum (L.), is a widely distributed three-host obligate blood-feeding parasite in the United States and Mexico. It mostly attaches to white-tailed deer, Odocoilus virginianus (Zimmerman) and wild turkey, Meleagris gallopavo L., as well as a wide variety of other do...

  2. Botanical compound p-anisaldehyde repels larval lone star tick, Amblyomma americanum (L.) (Acari: Ixodidae), and halts reproduction by gravid adults

    Science.gov (United States)

    The lone star tick, Amblyomma americanum (L.), widely distributed across eastern, southeastern, and midwestern regions of the United States and south into Mexico, is an obligate blood feeder that attaches to three hosts during the larval, nymphal, and adult stages. White-tailed deer and wild turkey ...

  3. Loneliness and Suicidal Risk in Young Adults: Does Believing in a Changeable Future Help Minimize Suicidal Risk Among the Lonely?

    Science.gov (United States)

    Chang, Edward C; Wan, Liangqiu; Li, Pengzi; Guo, Yuncheng; He, Jiaying; Gu, Yu; Wang, Yingjie; Li, Xiaoqing; Zhang, Zhan; Sun, Yingrui; Batterbee, Casey N-H; Chang, Olivia D; Lucas, Abigael G; Hirsch, Jameson K

    2017-07-04

    This study examined loneliness and future orientation as predictors of suicidal risk, namely, depressive symptoms and suicide ideation, in a sample of 228 college students (54 males and 174 females). Results of regression analyses indicated that loneliness was a significant predictor of both indices of suicidal risk. The inclusion of future orientation was found to significantly augment the prediction model of both depressive symptoms and suicide ideation, even after accounting for loneliness. Noteworthy, beyond loneliness and future orientation, the Loneliness × Future Orientation interaction term was found to further augment both prediction models of suicidal risk. Consistent with the notion that future orientation is an important buffer of suicidal risk, among lonely students, those with high future orientation, compared to low future orientation, were found to report significantly lower levels of depressive symptoms and suicide ideation. Some implications of the present findings for studying both risk and protective factors associated with suicidal risk in young adults are discussed.

  4. 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.

  5. 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.

  6. Eristumine on edu pant / Heli Raamets

    Index Scriptorium Estoniae

    Raamets, Heli, 1975-

    2013-01-01

    Turustamine on raskem kui tootmine, kuid selle juures on abiks eristumine - nii väidab Taarapõllu talu peremees Edgar Kolts. Väikeettevõtja valmistab kohapeal mahedalt kasvatatud aia- ja metsasaadustest moose, mahlu, marjakrõpse, marjajahusid, mahlajooke jne

  7. Professionaalne marketing - edu pant / Thomas Westerberg

    Index Scriptorium Estoniae

    Westerberg, Thomas

    1999-01-01

    Majanduslanguse perioodil tuleb fokusseerida oma plaanid tulevikku, sel perioodil avalduvad turundusjuhtide tõelised ja varjatud professionaalsed oskused. Thomas Westerbergi, Coca-Cola Baltic Beverages Ltd. tegevdirektori ettekanne Majanduskonverentsil "Kuidas olla edukas majanduslanguse perioodil"

  8. Zwischen Khao San und Lonely Planet: Aspekte der postmodernen Backpacking-Identität in Südostasien [Between Khao San and Lonely Planet: Aspects of Postmodern Backpacking Identity in South-East Asia

    Directory of Open Access Journals (Sweden)

    Günter Spreitzhofer

    2008-01-01

    Full Text Available This paper is an attempt to highlight some aspects of postmodern backpacking, which has come to be more appreciated by South-East Asian governments as a development tool after the decrease of package tourist arrivals due to terrorism, diseases and natural disasters. Special focus has been put on backpacking performance, perception and transformation within the region, where the accumulation of youthful travellers has been obvious for more than three decades, when the first underground guidebook for independent travellers was published in the 1970s. Special attention has been given to the increasing commercialization (Lonely Planet and the booming urban infrastructure (Khao San of this “anti-tourist” travel style, which seems to attract a new comfort-, shopping- and fun-oriented backpacker clientele rather than the ideologically-minded anti-consumerism backpackers of the early 1980s. However, apart from regional development opportunities and disparities, backpacking offers a wide range of personal development chances for postmodern mobile professionals, who seem to be more interested in western lifestyle traveller enclaves and self-fulfillment than in exploring and understanding foreign cultures. ----- Im Mittelpunkt dieses Beitrages steht eine Diskussion von Aspekten des Rucksacktourismus („Backpacking“, den zahlreiche südostasiatische Staaten als Entwicklungsmotor entdeckt (und akzeptiert haben, nachdem die Zahl der Pauschaltouristen aufgrund von Terrorangst, Umweltkatastrophen und regionalen Seuchen drastisch gesunken ist. Besonderer Schwerpunkt wurde auf die regionale Manifestation und Perzeption von Backpacking an der Wiege des Rucksacktourismus gelegt, wo die erste einschlägige Reiseliteratur seit den 1970ern die anfangs anti-touristischen Reiseströme bündelte. Die zunehmende Kommerzialisierung der Backpacker-Infrastruktur in den Quellländern (Fallbeispiel: Lonely Planet, ein Reisebuchverlag und Zielländern (Fallbeispiel: Khao

  9. 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.

  10. 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.

  11. 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 ...

  12. 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.

  13. 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.

  14. A functional polymorphism C-509T in TGFβ-1 promoter contributes to susceptibility and prognosis of lone atrial fibrillation in Chinese population.

    Directory of Open Access Journals (Sweden)

    Hailong Cao

    Full Text Available Transforming growth factor-β1 (TGF-β1 is an important mediator of atrial fibrosis and atrial fibrillation (AF. But the involved genetic mechanism is unknown. Herein, the TGF-β1 C-509 T polymorphism (rs1800469 was genotyped in a case-control study of 840 patients and 845 controls in Chinese population to explore the association between the polymorphism and susceptibility and prognosis of lone AF. As a result, the CT and/or TT genotypes had an increased lone AF risk [adjusted odds ratio (OR = 1.50 for CT, OR = 3.72 for TT, and OR = 2.15 for CT/TT], compared with the TGF-β1CC genotype. Moreover, patients carrying CT/TT genotypes showed a higher possibility of AF recurrence after catheter ablation, compared with patients carrying CC genotype. In a genotype-phenotype correlation analysis using 24 normal left atrial appendage samples, increasing gradients of atrial TGF-β1 expression levels positively correlated with atrial collagen volume fraction were identified in samples with CC, CT and TT genotypes. The in vitro luciferase assays also showed a higher luciferase activity of the -509 T allele than that of the -509 C allele. In conclusion, the TGF-β1 C-509 T polymorphism is involved in the etiology of lone AF and thus may be a marker for genetic susceptibility to lone AF and predicting prognosis after catheter ablation in Chinese populations. Therefore, we provide new information about treatment strategies and our understanding of TGF-β1 in AF.

  15. An Evaluation of the Adjusted DeLone and McLean Model of Information Systems Success; the case of financial information system in Ferdowsi University of Mashhad

    OpenAIRE

    Mohammad Lagzian; Shamsoddin Nazemi; Fatemeh Dadmand

    2012-01-01

    Assessing the success of information systems within organizations has been identified as one of the most critical subjects of information system management in both public and private organizations. It is therefore important to measure the success of information systems from the user's perspective. The purpose of the current study was to evaluate the degree of information system success by the adjusted DeLone and McLean’s model in the field financial information system (FIS) in an Iranian Univ...

  16. Examining the functionality of the DeLone and McLean information system success model as a framework for synthesis in nursing information and communication technology research.

    Science.gov (United States)

    Booth, Richard G

    2012-06-01

    In this review, studies examining information and communication technology used by nurses in clinical practice were examined. Overall, a total of 39 studies were assessed spanning a time period from 1995 to 2008. The impacts of the various health information and communication technology evaluated by individual studies were synthesized using the DeLone and McLean's six-dimensional framework for evaluating information systems success (ie, System Quality, Information Quality, Service Quality, Use, User Satisfaction, and Net Benefits). Overall, the majority of researchers reported results related to the overall Net Benefits (positive, negative, and indifferent) of the health information and communication technology used by nurses. Attitudes and user satisfaction with technology were also commonly measured attributes. The current iteration of DeLone and McLean model is effective at synthesizing basic elements of health information and communication technology use by nurses. Regardless, the current model lacks the sociotechnical sensitivity to capture deeper nurse-technology relationalities. Limitations and recommendations are provided for researchers considering using the DeLone and McLean model for evaluating health information and communication technology used by nurses.

  17. 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.

  18. 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

  19. 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...

  20. 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.

  1. Bournonite PbCuSbS3 : Stereochemically Active Lone-Pair Electrons that Induce Low Thermal Conductivity.

    Science.gov (United States)

    Dong, Yongkwan; Khabibullin, Artem R; Wei, Kaya; Salvador, James R; Nolas, George S; Woods, Lilia M

    2015-10-26

    An understanding of the structural features and bonding of a particular material, and the properties these features impart on its physical characteristics, is essential in the search for new systems that are of technological interest. For several relevant applications, the design or discovery of low thermal conductivity materials is of great importance. We report on the synthesis, crystal structure, thermal conductivity, and electronic-structure calculations of one such material, PbCuSbS3 . Our analysis is presented in terms of a comparative study with Sb2 S3 , from which PbCuSbS3 can be derived through cation substitution. The measured low thermal conductivity of PbCuSbS3 is explained by the distortive environment of the Pb and Sb atoms from the stereochemically active lone-pair s(2) electrons and their pronounced repulsive interaction. Our investigation suggests a general approach for the design of materials for phase-change-memory, thermal-barrier, thermal-rectification and thermoelectric applications, as well as other functions for which low thermal conductivity is purposefully sought. © 2015 WILEY-VCH Verlag GmbH & Co. KGaA, Weinheim.

  2. Psychosocial group rehabilitation for lonely older people: favourable processes and mediating factors of the intervention leading to alleviated loneliness.

    Science.gov (United States)

    Savikko, Niina; Routasalo, Pirkko; Tilvis, Reijo; Pitkälä, Kaisu

    2010-03-01

    Loneliness among community-dwelling older people is a common problem, with serious health consequences. The favourable processes and mediating factors of a psychosocial group rehabilitation intervention in alleviating older people's loneliness were evaluated. Altogether, 117 lonely, home-dwelling individuals (aged ≥75 years) participated in a psychosocial group rehabilitation intervention. The content comprised (i) art and inspiring activities, (ii) group exercise and discussions or (iii) therapeutic writing and group therapy. The psychosocial group rehabilitation intervention was evaluated from the group leaders' diaries and by observing the groups. Experiences of loneliness and social participation were collected by postintervention questionnaires from the participants. Data were analysed using methodological triangulation. Doing things together and sharing experiences with their peers inspired lively discussions, created a feeling of togetherness and led to participants' empowerment and increased self-esteem. The intervention socially activated the participants, and their feelings of loneliness had been alleviated during the intervention. Several common favourable processes and mediating factors were identified in the psychosocial group rehabilitation intervention that led to alleviation of loneliness among older people. Relevance to clinical practice.  The psychosocial group rehabilitation intervention gives nurses an effective tool to support older people's psychosocial resources by activating them and alleviating their loneliness. © 2009 Blackwell Publishing Ltd.

  3. Occurrence and stability of lone pair–π stacking interactions between ribose and nucleobases in functional RNAs

    KAUST Repository

    Chawla, Mohit; Chermak, Edrisse; Zhang, Qingyun; Bujnicki, Janusz M.; Oliva, Romina; Cavallo, Luigi

    2017-01-01

    The specific folding pattern and function of RNA molecules lies in various weak interactions, in addition to the strong base-base pairing and stacking. One of these relatively weak interactions, characterized by the stacking of the O4′ atom of a ribose on top of the heterocycle ring of a nucleobase, has been known to occur but has largely been ignored in the description of RNA structures. We identified 2015 ribose–base stacking interactions in a high-resolution set of non-redundant RNA crystal structures. They are widespread in structured RNA molecules and are located in structural motifs other than regular stems. Over 50% of them involve an adenine, as we found ribose-adenine contacts to be recurring elements in A-minor motifs. Fewer than 50% of the interactions involve a ribose and a base of neighboring residues, while approximately 30% of them involve a ribose and a nucleobase at least four residues apart. Some of them establish inter-domain or inter-molecular contacts and often implicate functionally relevant nucleotides. In vacuo ribose-nucleobase stacking interaction energies were calculated by quantum mechanics methods. Finally, we found that lone pair–π stacking interactions also occur between ribose and aromatic amino acids in RNA–protein complexes.

  4. Occurrence and stability of lone pair–π stacking interactions between ribose and nucleobases in functional RNAs

    KAUST Repository

    Chawla, Mohit

    2017-08-18

    The specific folding pattern and function of RNA molecules lies in various weak interactions, in addition to the strong base-base pairing and stacking. One of these relatively weak interactions, characterized by the stacking of the O4′ atom of a ribose on top of the heterocycle ring of a nucleobase, has been known to occur but has largely been ignored in the description of RNA structures. We identified 2015 ribose–base stacking interactions in a high-resolution set of non-redundant RNA crystal structures. They are widespread in structured RNA molecules and are located in structural motifs other than regular stems. Over 50% of them involve an adenine, as we found ribose-adenine contacts to be recurring elements in A-minor motifs. Fewer than 50% of the interactions involve a ribose and a base of neighboring residues, while approximately 30% of them involve a ribose and a nucleobase at least four residues apart. Some of them establish inter-domain or inter-molecular contacts and often implicate functionally relevant nucleotides. In vacuo ribose-nucleobase stacking interaction energies were calculated by quantum mechanics methods. Finally, we found that lone pair–π stacking interactions also occur between ribose and aromatic amino acids in RNA–protein complexes.

  5. Effect of lone-electron-pair cations on the orientation of crystallographic shear planes in anion-deficient perovskites.

    Science.gov (United States)

    Batuk, Dmitry; Batuk, Maria; Abakumov, Artem M; Tsirlin, Alexander A; McCammon, Catherine; Dubrovinsky, Leonid; Hadermann, Joke

    2013-09-03

    Factors affecting the structure and orientation of the crystallographic shear (CS) planes in anion-deficient perovskites were investigated using the (Pb(1-z)Sr(z))(1-x)Fe(1+x)O(3-y) perovskites as a model system. The isovalent substitution of Sr(2+) for Pb(2+) highlights the influence of the A cation electronic structure because these cations exhibit very close ionic radii. Two compositional ranges have been identified in the system: 0.05 ≤ z ≤ 0.2, where the CS plane orientation gradually varies but stays close to (203)p, and 0.3 ≤ z ≤ 0.45 with (101)p CS planes. The incommensurately modulated structure of Pb0.792Sr0.168Fe1.040O2.529 was refined from neutron powder diffraction data using the (3 + 1)D approach (space group X2/m(α0γ), X = (1/2, 1/2, 1/2, 1/2), a = 3.9512(1) Å, b = 3.9483(1) Å, c = 3.9165(1) Å, β = 93.268(2)°, q = 0.0879(1)a* + 0.1276(1)c*, RF = 0.023, RP = 0.029, and T = 900 K). A comparison of the compounds with different CS planes indicates that the orientation of the CS planes is governed mainly by the stereochemical activity of the lone-electron-pair cations inside the perovskite blocks.

  6. 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.

  7. 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.

  8. 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.

  9. 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 ...

  10. Feeling lonely in an unfamiliar place: older people's experiences of life close to death in a nursing home.

    Science.gov (United States)

    Österlind, Jane; Ternestedt, Britt-Marie; Hansebo, Görel; Hellström, Ingrid

    2017-03-01

    The aim of the study was to deepen the understanding of how older persons living in a nursing home experience life close to death. A move to and a life in a nursing home while being close to death is a reality for many older people in Sweden. Being able to express thoughts and feelings about death has been described as both crucial for sustaining personhood as well as for establishing a meaningful existence at the end of life. Important are the experiences of older people living in nursing homes who are approaching death. Six older people were interviewed on one to four occasions. A total of 16 interviews were conducted with the participants. An interpretative approach was chosen. The main interpretation, Feeling lonely in an unfamiliar place, is based on three themes (i) Waiting for death, with the subthemes death as a release and thinking of oneself as dead; (ii) Subordinate oneself to values and norms of the staff, with the subthemes feeling offended and feeling trapped; and (iii) Keep the courage up. The older people's lives were characterised by feelings of aloneness in an unfamiliar place which contributed to a sense of existential loneliness. They experienced few opportunities to discuss their thoughts of life and death, including preparations for passing away. It is of importance for professionals to be able to meet older people as they are and respect them as human beings in their transitions, before, during and after the move to a nursing home. It is important to find ways to support older people's wellbeing and identity near death. © 2016 John Wiley & Sons Ltd.

  11. 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.

  12. 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.

  13. 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

  14. 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...

  15. 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.

  16. InSAR detection of aquifer recovery: Case studies of Koehn Lake (central California) and Lone Tree Gold Mine (Basin and Range)

    Science.gov (United States)

    Wdowinski, S.; Greene, F.; Amelung, F.

    2013-12-01

    Anthropogenic intervention in groundwater flow and aquifer storage often results in vertical movements of Earth's surface, which are well detected by InSAR observations. Most anthropogenic intervention occurs due to groundwater extraction for both agriculture and human consumption and results in land subsidence. However in some cases, ending anthropogenic intervention can lead to aquifer recovery and, consequently, surface uplift. In this study we present two such cases of aquifer recovery. The first case is the aquifer beneath Koehn Lake in Central California, which was overused to meet agricultural demands until the 1990's. The second case is the Lone Tree Gold Mine in Nevada that during active mining in the 1991-2006 groundwater pumping disrupted the aquifer and cause subsidence. But after mining ceased, groundwater flow was recovered and resulted in uplift. In both cases we studied the surface uplift using InSAR time series observations. We conduct an ERS and Envisat InSAR survey over Koehn Lake in California and Lone Tree Gold Mine in Nevada between 1992 and 2010. We followed the SBAS algorithm to generate a time-series of ground displacements and average velocities of pixels, which remain coherent through time in the SAR dataset. A total of 100 and 80 combined ERS and Envisat SAR dates are inverted for Koehn Lake and Lone Tree Gold Mine respectively. Results for the Koehn Lake area indicate a rapid uplift of about 3.5 mm/yr between 1992-2000 and a slower uplift rate of 1.6 mm/yr between 2000-2004, suggesting a decrease in the recovery process. The observed uplift correlates well with groundwater level increase in the Koehn Lake area. Results for the Lone Tree Gold Mine show a constant subsidence (~ 1 cm/yr) due to groundwater extraction between 1992-2006, but uplift of ~1 cm/yr since the beginning of 2007. In both case studies, InSAR observations reveal that the aquifer recovery is accompanied by surface uplift. We plan to use the InSAR observations and the

  17. Spilt milk: an inter-sectoral partnership that failed to advance milk security for low-income lone mothers in Nova Scotia, Canada.

    Science.gov (United States)

    McIntyre, Lynn; Glanville, N Theresa; Hilchie-Pye, Andrea

    2011-03-01

    Canadian agricultural policy supports higher milk prices. Consequently, poor families lack sufficient funds to purchase adequate quantities of milk. Low-income lone mothers in the Canadian province of Nova Scotia suggested their preferred strategies for improved access to milk. We then built inter-sectoral support for a policy intervention to address their recommendations. Our research-to-action process led to a policy dialogue focusing on an electronic smart card that would permit the delivery of lower-priced milk to poor households. While all agreed that milk insecurity was an important issue, the project ultimately failed because of the entrenched positions of influential stakeholder groups.

  18. A lonely life--A qualitative study of immigrant women on long-term sick leave in Norway.

    Science.gov (United States)

    Nortvedt, Line; Lohne, Vibeke; Kumar, Bernadette Nirmal; Hansen, Helle Ploug

    2016-02-01

    humiliating and lonely. The immigrant women on long-term sick leave live in triple jeopardy: being ill and being lonesome both at home and at the workplace. This can be described as a vicious circle where the humiliating domestic and workplace-rejection might reinforce both the women's experience of shame and avoidance of telling anybody about their illness/symptoms, which then results in more days on sick leave during which they are again isolated and lonesome. There is a need for more research on multidisciplinary rehabilitation approaches designed to cater for immigrants' special needs. Copyright © 2015 Elsevier Ltd. All rights reserved.

  19. Direct Measurement of the Volume of Liquid Water Emitted During Eruptions of Lone Star Geyser, Yellowstone National Park, Wyoming

    Science.gov (United States)

    Murphy, F.; Hurwitz, S.; Johnston, M. J.; Vandemeulebrouck, J.; Pontbriand, C.; Sohn, R. A.; Karlstrom, L.; Rudolph, M. L.

    2011-12-01

    In September, 2010 a comprehensive series of instrumental observations was carried out at Lone Star Geyser in Yellowstone National Park to measure changes in the geyser and its surroundings during eruptions. That project included measurements of flow in the streams that drain the geyser area. Three small streams convey liquid water from the geyser and many of the surrounding hot springs to the Firehole River, about 75 m south of the geyser cone. We developed rating curves for two of these streams by measuring channel cross-sections and timing floating markers (using stopwatches and video recordings) while simultaneously recording stream depth at two-second intervals at two locations using pressure transducers and dataloggers. We estimated the flow in the third (ungaged) stream to be 0.15 of the flow in the easternmost stream, with which it shares a source area and part of its channel. The eruption cycle takes about 3 hours, and a total of nine eruption cycles were observed. During these 3-hour cycles the geyser and the nearby hot springs deliver a total of between 15 and 28 m3 of water to the Firehole River. During the 10-20 minutes of the main phase of an eruption, the geyser delivered between 8 and 11 m3 of water to the three streams. The volume of water emitted during eruptions appears to display a significant diurnal variation which strongly correlates with air temperature, with significantly more flow during early afternoon hours. There were also significant variations in the distribution of flow between the different channels. Our calculations suggest that losses due to evaporation along the flow channels are negligible, and losses due to infiltration appear to be small. The calculated volumes of water discharge do not account for the volume of erupted steam or evaporation of liquid water from the jet. Steam discharge will be assessed using image analysis of high speed video. The calculated volumes provide accurate and important constraint for models of

  20. 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...

  1. 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...

  2. The lonely female partner

    DEFF Research Database (Denmark)

    Bruun, Poul; Pedersen, Birthe D; Osther, Palle J

    2011-01-01

    The aim of this qualitative study was to investigate the experiences of female partners to men with prostate cancer. The women found the capacity to manage their lives through mutual love in the family and through their faith.......The aim of this qualitative study was to investigate the experiences of female partners to men with prostate cancer. The women found the capacity to manage their lives through mutual love in the family and through their faith....

  3. Impact of Caregiving for a Child With Cancer on Parental Health Behaviors, Relationship Quality, and Spiritual Faith: Do Lone Parents Fare Worse?

    Science.gov (United States)

    Wiener, Lori; Viola, Adrienne; Kearney, Julia; Mullins, Larry L; Sherman-Bien, Sandra; Zadeh, Sima; Farkas-Patenaude, Andrea; Pao, Maryland

    2016-09-01

    Caregiving stress has been associated with changes in the psychological and physical health of parents of children with cancer, including both partnered and single parents. While parents who indicate "single" on a demographic checklist are typically designated as single parents, a parent can be legally single and still have considerable support caring for an ill child. Correspondingly, an individual can be married/partnered and feel alone when caring for a child with serious illness. In the current study, we report the results from our exploratory analyses of parent self-reports of behavior changes during their child's treatment. Parents (N = 263) of children diagnosed with cancer were enrolled at 10 cancer centers. Parents reported significant worsening of all their own health behaviors surveyed, including poorer diet and nutrition, decreased physical activity, and less time spent engaged in enjoyable activities 6 to 18 months following their child's diagnosis. More partnered parents found support from friends increased or stayed the same since their child's diagnosis, whereas a higher proportion of lone parents reported relationships with friends getting worse. More lone parents reported that the quality of their relationship with the ill child's siblings had gotten worse since their child's diagnosis. Spiritual faith increased for all parents. © 2015 by Association of Pediatric Hematology/Oncology Nurses.

  4. An Evaluation of the Adjusted DeLone and McLean Model of Information Systems Success; the case of financial information system in Ferdowsi University of Mashhad

    Directory of Open Access Journals (Sweden)

    Mohammad Lagzian

    2012-07-01

    Full Text Available Assessing the success of information systems within organizations has been identified as one of the most critical subjects of information system management in both public and private organizations. It is therefore important to measure the success of information systems from the user's perspective. The purpose of the current study was to evaluate the degree of information system success by the adjusted DeLone and McLean’s model in the field financial information system (FIS in an Iranian University. The relationships among the dimensions in an extended systems success measurement framework were tested. Data were collected by questionnaire from end-users of a financial information system at Ferdowsi University of Mashhad. The adjusted DeLone and McLean model was contained five variables (system quality, information quality, system use, user satisfaction, and individual impact. The results revealed that system quality was significant predictor of system use, user satisfaction and individual impact. Information quality was also a significant predictor of user satisfaction and individual impact, but not of system use. System use and user satisfaction were positively related to individual impact. The influence of user satisfaction on system use was insignificant

  5. 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...

  6. 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.

  7. Forasteiros na pátria-mãe: o lugar do migrante em The Lonely Londoners, de Samuel Selvon e The Final Passage, de Caryl Phillips

    Directory of Open Access Journals (Sweden)

    Denise Almeida Silva

    2008-01-01

    Full Text Available http://dx.doi.org/10.5007/2175-8026.2008n54p39 Este estudo analisa a construção ficcional da identidade do migrante em The Lonely Londoners (1956, de Samuel Selvon e The Final Passage (1985, de Caryl Phillips. Ambos os romances enfocam a experiência da geração Windrush, recrutada das colônias para suprir mão de obra na Inglaterra do pós-guerra. Ressalta-se o espaço intersticial ocupado pelas comunidades migrantes, e estuda-se a construção da identidade nessas obras dentro do contexto das relações culturais, analisando-se as políticas de afiliação, pertencimento e exclusão implícitas na formação dessas comunidades diaspóricas.

  8. Electron lone pair distortion facilitated metal-insulator transition in β-Pb{sub 0.33}V{sub 2}O{sub 5} nanowires

    Energy Technology Data Exchange (ETDEWEB)

    Wangoh, L.; Quackenbush, N. F. [Department of Physics, Applied Physics and Astronomy, Binghamton University, Binghamton, New York 13902 (United States); Marley, P. M.; Banerjee, S. [Department of Chemistry, University at Buffalo, The State University of New York, Buffalo, New York 14260 (United States); Sallis, S. [Materials Science and Engineering, Binghamton University, Binghamton, New York 13902 (United States); Fischer, D. A.; Woicik, J. C. [Materials Science and Engineering Laboratory, National Institute of Standards and Technology, Gaithersburg, Maryland 20899 (United States); Piper, L. F. J., E-mail: lpiper@binghamton.edu [Department of Physics, Applied Physics and Astronomy, Binghamton University, Binghamton, New York 13902 (United States); Materials Science and Engineering, Binghamton University, Binghamton, New York 13902 (United States)

    2014-05-05

    The electronic structure of β-Pb{sub 0.33}V{sub 2}O{sub 5} nanowires has been studied with x-ray photoelectron spectroscopy techniques. The recent synthesis of defect-free β-Pb{sub 0.33}V{sub 2}O{sub 5} nanowires resulted in the discovery of an abrupt voltage-induced metal insulator transition. First principle calculations predicted an additional V-O-Pb hybridized “in-gap” state unique to this vanadium bronze playing a significant role in facilitating the transition. We confirm the existence, energetic position, and orbital character of the “in-gap” state. Moreover, we reveal that this state is a hybridized Pb 6s–O 2p antibonding lone pair state resulting from the asymmetric coordination of the Pb{sup 2+} ions.

  9. The evaluation of a virtual education system based on the DeLone and McLean model:  A path analysis [version 1; referees: 2 approved

    Directory of Open Access Journals (Sweden)

    Zohreh Mahmoodi

    2017-09-01

    Full Text Available Background: The Internet has dramatically influenced the introduction of virtual education. Virtual education is a term that involves online education and e-learning. This study was conducted to evaluate a virtual education system based on the DeLone and McLean model. Methods: This descriptive analytical study was conducted using the census method on all the students of the Nursing and Midwifery Department of Alborz University of Medical Sciences who had taken at least one online course in 2016-2017. Data were collected using a researcher-made questionnaire based on the DeLone and McLean model in six domains and then analyzed in SPSS-16 and LISREL-8.8 using the path analysis. Results: The goodness of fit indices (GFI of the model represent the desirability and good fit of the model, and the rational nature of the adjusted relationships between the variables based on a conceptual model (GFI = 0.98; RMSEA = 0.014.The results showed that system quality has the greatest impact on the net benefits of the system through both direct and indirect paths (β=0.52, service quality through the indirect path (β=0.03 and user satisfaction through the direct path (β=0.73. Conclusions: According to the results, system quality has the greatest overall impact on the net benefits of the system, both directly and indirectly by affecting user satisfaction and the intention to use. System quality should therefore be further emphasized, to use these systems more efficiently.

  10. The evaluation of a virtual education system based on the DeLone and McLean model:  A path analysis [version 2; referees: 3 approved

    Directory of Open Access Journals (Sweden)

    Zohreh Mahmoodi

    2017-09-01

    Full Text Available Background: The Internet has dramatically influenced the introduction of virtual education. Virtual education is a term that involves online education and e-learning. This study was conducted to evaluate a virtual education system based on the DeLone and McLean model. Methods: This descriptive analytical study was conducted using the census method on all the students of the Nursing and Midwifery Department of Alborz University of Medical Sciences who had taken at least one online course in 2016-2017. Data were collected using a researcher-made questionnaire based on the DeLone and McLean model in six domains and then analyzed in SPSS-16 and LISREL-8.8 using the path analysis. Results: The goodness of fit indices (GFI of the model represent the desirability and good fit of the model, and the rational nature of the adjusted relationships between the variables based on a conceptual model (GFI = 0.98; RMSEA = 0.014.The results showed that system quality has the greatest impact on the net benefits of the system through both direct and indirect paths (β=0.52, service quality through the indirect path (β=0.03 and user satisfaction through the direct path (β=0.73. Conclusions: According to the results, system quality has the greatest overall impact on the net benefits of the system, both directly and indirectly by affecting user satisfaction and the intention to use. System quality should therefore be further emphasized, to use these systems more efficiently.

  11. Formation of mantle "lone plumes" in the global downwelling zone - A multiscale modelling of subduction-controlled plume generation beneath the South China Sea

    Science.gov (United States)

    Zhang, Nan; Li, Zheng-Xiang

    2018-01-01

    It has been established that almost all known mantle plumes since the Mesozoic formed above the two lower mantle large low shear velocity provinces (LLSVPs). The Hainan plume is one of the rare exceptions in that instead of rising above the LLSVPs, it is located within the broad global mantle downwelling zone, therefore classified as a "lone plume". Here, we use the Hainan plume example to investigate the feasibility of such lone plumes being generated by subducting slabs in the mantle downwelling zone using 3D geodynamic modelling. Our geodynamic model has a high-resolution regional domain embedded in a relatively low resolution global domain, which is set up in an adaptive-mesh-refined, 3D mantle convection code ASPECT (Advanced Solver for Problems in Earth's ConvecTion). We use a recently published plate motion model to define the top mechanical boundary condition. Our modelling results suggest that cold slabs under the present-day Eurasia, formed from the Mesozoic subduction and closure of the Tethys oceans, have prevented deep mantle hot materials from moving to the South China Sea from regions north or west of the South China Sea. From the east side, the Western Pacific subduction systems started to promote the formation of a lower-mantle thermal-chemical pile in the vicinity of the future South China Sea region since 70 Ma ago. As the top of this lower-mantle thermal-chemical pile rises, it first moved to the west, and finally rested beneath the South China Sea. The presence of a thermochemical layer (possible the D″ layer) in the model helps stabilizing the plume root. Our modelling is the first implementation of multi-scale mesh in the regional model. It has been proved to be an effective way of modelling regional dynamics within a global plate motion and mantle dynamics background.

  12. 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.

  13. 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.

  14. 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…

  15. Individual employee's perceptions of " Group-level Safety Climate" (supervisor referenced) versus " Organization-level Safety Climate" (top management referenced): Associations with safety outcomes for lone workers.

    Science.gov (United States)

    Huang, Yueng-Hsiang; Lee, Jin; McFadden, Anna C; Rineer, Jennifer; Robertson, Michelle M

    2017-01-01

    Research has shown that safety climate is among the strongest predictors of safety behavior and safety outcomes in a variety of settings. Previous studies have established that safety climate is a multi-faceted construct referencing multiple levels of management within a company, most generally: the organization level (employee perceptions of top management's commitment to and prioritization of safety) and group level (employee perceptions of direct supervisor's commitment to and prioritization of safety). Yet, no research to date has examined the potential interaction between employees' organization-level safety climate (OSC) and group-level safety climate (GSC) perceptions. Furthermore, prior research has mainly focused on traditional work environments in which supervisors and workers interact in the same location throughout the day. Little research has been done to examine safety climate with regard to lone workers. The present study aims to address these gaps by examining the relationships between truck drivers' (as an example of lone workers) perceptions of OSC and GSC, both potential linear and non-linear relationships, and how these predict important safety outcomes. Participants were 8095 truck drivers from eight trucking companies in the United States with an average response rate of 44.8%. Results showed that employees' OSC and GSC perceptions are highly correlated (r= 0.78), but notable gaps between the two were observed for some truck drivers. Uniquely, both OSC and GSC scores were found to have curvilinear relationships with safe driving behavior, and both scores were equally predictive of safe driving behavior. Results also showed the two levels of climate significantly interacted with one another to predict safety behavior such that if either the OSC or GSC scores were low, the other's contribution to safety behavior became stronger. These findings suggest that OSC and GSC may function in a compensatory manner and promote safe driving behavior even

  16. 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.

  17. 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...

  18. Forasteiros na pátria-mãe: o lugar do migrante em The Lonely Londoners, de Samuel Selvon e The Final Passage, de Caryl Phillips

    Directory of Open Access Journals (Sweden)

    Denise Almeida Silva

    2010-06-01

    Full Text Available

    Este estudo analisa a construção ficcional da identidade do migrante em The Lonely Londoners (1956, de Samuel Selvon e The Final Passage (1985, de Caryl Phillips. Ambos os romances enfocam a experiência da geração Windrush, recrutada das colônias para suprir mão de obra na Inglaterra do pós-guerra. Ressalta-se o espaço intersticial ocupado pelas comunidades migrantes, e estuda-se a construção da identidade nessas obras dentro do contexto das relações culturais, analisando-se as políticas de afiliação, pertencimento e exclusão implícitas na formação dessas comunidades diaspóricas.

     

  19. Measuring the success of business-intelligence systems in South Africa: An empirical investigation applying the DeLone and McLean Model

    Directory of Open Access Journals (Sweden)

    Taurayi Mudzana

    2015-12-01

    Full Text Available Background: Business intelligence systems (BIS hold promise for improving organisational decision-making in South Africa. Yet, the use of BIS has been associated with a number of challenges. Objectives: The aim of the study was to identify post implementation factors that contribute to the success of BIS in South African organisations. Method: This study draws on the DeLone and McLean Model of Information Systems success and recent literature on business-intelligence (BI to develop and test a BIS success model. A quantitative study was conducted in the form of a survey of 102 BI users to validate the BIS success model. Results: Five interrelated factors of BIS success were confirmed. The study found that the quality of information has a strong influence on system use and user satisfaction. It was found that system quality is positively associated with user satisfaction. The results also indicated that service quality is negatively related to user satisfaction. The study also found that user satisfaction is positively associated with nett benefits of a BI system. Conclusion: The study provides insights for both managers and practitioners on the factors to focus on when implementing BIS thereby minimising the adoption risks associated with BI failures.

  20. Technical review comments on the environmental impact statement for the proposed Lone Pine Resources Ltd. Great Sand Hills Natural Gas Development

    International Nuclear Information System (INIS)

    1992-01-01

    Lone Pine Resources is proposing to construct and operate a natural gas production and transportation system in the Freefight Lake area of the Great Sand Hills in Saskatchewan. The initial development proposal consists of 58 gas wells at 160-acre spacing, with associated infrastructure. After drilling, completion, and tie-ins, the wells would be operated for an estimated 25 y. Following completion of construction, disturbed well sites and some pipeline rights of way would be fenced off and necessary reclamation, erosion control, and revegetation measures would be implemented and continued until revegetation standards are met. The thin vegetation, poorly developed soils, and wind exposure renders the project area vulnerable to disturbance, and the area's terrain, plant communities, wildlife, and surface and ground water are subject to potential biophysical impacts. About 4.6% of the total project area is expected to be affected temporarily by construction of the project. Although the project area is formally designated as a critical wildlife habitat, it is believed that the proposed project can be constructed and operated with only minor impacts on wildlife. Groundwater contamination will be avoided by enforcing strict drilling regulations, including containment of all drilling fluids. If approved, the project would create economic benefits to the Fox Valley-Maple Creek area, mainly during construction. Potential impacts on the esthetic character of the area are considered to be minor

  1. Defect properties of Sb- and Bi-doped CuInSe{sub 2}: The effect of the deep lone-pair s states

    Energy Technology Data Exchange (ETDEWEB)

    Park, Ji-Sang; Yang, Ji-Hui; Ramanathan, Kannan; Wei, Su-Huai, E-mail: Suhuai.Wei@nrel.gov [National Renewable Energy Laboratory, Golden, Colorado 80401 (United States)

    2014-12-15

    Bi or Sb doping has been used to make better material properties of polycrystalline Cu{sub 2}(In,Ga)Se{sub 2} as solar cell absorbers, including the experimentally observed improved electrical properties. However, the mechanism is still not clear. Using first-principles method, we investigate the stability and electronic structure of Bi- and Sb-related defects in CuInSe{sub 2} and study their effects on the doping efficiency. Contrary to previous thinking that Bi or Sb substituted on the anion site, we find that under anion-rich conditions, the impurities can substitute on cation sites and are isovalent to In because of the formation of the impurity lone pair s states. When the impurities substitute for Cu, the defects act as shallow double donors and help remove the deep In{sub Cu} level, thus resulting in the improved carrier life time. On the other hand, under anion-poor conditions, impurities at the Se site create amphoteric deep levels that are detrimental to the device performance.

  2. Identity at the Border: Narrative Strategies in María Novaro's El jardín del Edén and John Sayles's Lone Star

    Directory of Open Access Journals (Sweden)

    Amy Kaminsky

    2001-01-01

    Full Text Available In María Novaro's El jardín del Edén and John Sayles's Lone Star , the narrative and visual art of film functions as ritual does: to make sense of the dangerous liminal space of the border. Novaro and Sayles both locate their protagonists' identity quests in the Mexico-U.S. borderlands, but they approach the problem from different directions: Sayles from the north, Novaro from the south; Sayles from the perspective of men in search of themselves through their fathers, Novaro from that of women in search of identity with the help of each other. With her focus on the stories of three women, and a camera that often interrupts the narrative in favor of the contemplative gaze, Novaro challenges both the conventional plot and the patriarchal substructure that critics have linked to Mexican cinema. When John Sayles investigates identity at the border, he charges headlong into precisely the sort of diachronic narrative that Novaro leaves behind. Yet ironically, it is by embracing narrative that Sayles confounds the boundary lines that the story of paternity is meant to maintain and that U.S. border films have traditionally policed.

  3. Measuring the Success of E-Cargo Implementation at One of Indonesian Airlines using DeLone and McLean Model

    Science.gov (United States)

    Monika, Ruth; Lumban Gaol, Ford

    2017-06-01

    This research is aimed at measuring the success of e-cargo implementation in Indonesia. There are three analyzed districts: Tanjung Pandan (TJQ), Palembang (PLM), and Jakarta (CGK). The research uses information system’s success model proposed by Delone and McLean. The research will analyze the factors that measure the success of using DeLone & McLean model of success information systems. Data from 53 respondents were collected through a survey, then the author created a path with the Partial Least Squares (PLS) path analysis using the software SmartPLS (v.3.2.6). The results of this study proved that the information quality variable did not significantly affect use variable, the information quality variable had no significant effect on the user satisfaction variable and the service quality variable had no significant effect on the use variable, while the other variables were tested significant in measuring the success of the use of information systems with R-square value that has a moderate effect of user satisfaction variable by 0.577, the use variable by 0.396, and a net benefit variable by 0.615.

  4. 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.

  5. 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. 

  6. 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.

  7. 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.

  8. 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

  9. 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

  10. 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...

  11. 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

  12. Evaluation of a comprehensive EHR based on the DeLone and McLean model for IS success: approach, results, and success factors.

    Science.gov (United States)

    Bossen, Claus; Jensen, Lotte Groth; Udsen, Flemming Witt

    2013-10-01

    The article describes the methodological approach to, and results of an evaluation of a comprehensive electronic health record (EHR) in the shake down phase, shortly after its implementation at a regional hospital in Denmark. A formative evaluation based on a mixed-methods case study, designed to be interactive and concurrent was conducted at two hospital departments based on the updated DeLone and McLean framework for evaluating information systems success. To ascertain user assessments of the EHR, we distributed a questionnaire two months after implementation to four groups of staff (physicians, nurses, medical secretaries, and physiotherapists; n=244), and at the same time we conducted thirteen individual, semi-structured interviews with representatives from these four groups. Subsequently, seven follow-up focus group interviews were conducted with the four above-mentioned groups, in order to go deeper into specific user assessments. Simultaneously, focus group interviews with two IT departments and the implementation team were conducted, to gain insight into system provider assessments of the implementation process and the EHR. Before, during, and after implementation, 88 h of ethnographic observation were carried out, to give the researchers an understanding of the daily routine of staff, and their use of health records. Finally, daily system performance data were obtained, to gather factual information on system response and downtime. Overall, staff had positive experiences with the EHR and its operational reliability, response time, login and support. Performance was acceptable. Medical secretaries found the use of the patient administration module cumbersome, and physicians found the establishment of the overview of professionally relevant data challenging. There were demands for improvements to these and other functionalities, and for the EHR to be integrated with other systems and databases. Evaluations immediately following implementation are inherently

  13. First-principles study lone-pair effects of Sb (III)-S chromophore influence on SHG response in quaternary potassium containing silver antimony sulfides

    Energy Technology Data Exchange (ETDEWEB)

    Huang, Junben [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China); School of Physics Science and Technology, Xinjiang University, Urumqi 830046 (China); Su, Xin; Hou, Dianwei; Lei, Binghua [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China); University of Chinese Academy of Sciences, Beijing 100049 (China); Yang, Zhihua, E-mail: zhyang@ms.xjb.ac.cn [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China); Pan, Shilie, E-mail: slpan@ms.xjb.ac.cn [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China)

    2017-05-15

    First-principles studies of the geometric structures, electronic structures and optical properties of non-centrosymmetrical (NCS) KAg{sub 2}SbS{sub 4}, K{sub 2}AgSbS{sub 4} and K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} and centrosymmetrical (CS) KAg{sub 2}SbS{sub 3} and K{sub 3}Ag{sub 9}Sb{sub 4}S{sub 12} have been performed by means of density functional theory. It is indicated that although they have similarity in their anionic groups and, the electronic structures, prominent features of the optical anisotropy or second-order nonlinear optical (NLO) susceptibilities are apparently different. The calculated birefringences are 0.0537, 0.0343, 0.1324, 0.2217 and 0.0604 which are attributed to the different anionic groups [SbS{sub 3}] and triangles [AgS{sub 3}]. Also, the calculated NLO responses are about 0.5×, 1.0× and 2.0× times than that commercial AgGaS{sub 2} (AGS, d{sub 36}=11 pm/V) for K{sub 2}AgSbS{sub 4}, KAg{sub 2}SbS{sub 4} and K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7}, respectively. In comparison with the absolute magnitude of second harmonic generation (SHG) coefficients, the order K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7}>KAg{sub 2}SbS{sub 4}>K{sub 2}AgSbS{sub 4} is clearly established in the SHG response. Further analysis based on the real-space atom-cutting method reveals that the main sources of the SHG properties of these compounds are from the Sb-S group, especially K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} is mainly attributed to the lone pair stereochemical activity of Sb (III)-S group. - Graphical abstract: Compounds K{sub 2}AgSbS{sub 4}, KAg{sub 2}SbS{sub 4} and K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} exhibit second-order NLO response: 15×, 30× and 62× times than that KDP (KH{sub 2}PO{sub 4}, d{sub 36}=0.39 pm/V), respectively. First-principles methods reveal that the large SHG response of K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} is dominated by the Sb-S chromophore with lone pairs.

  14. Analysis of the quality of hospital information systems in Isfahan teaching hospitals based on the DeLone and McLean model.

    Science.gov (United States)

    Saghaeiannejad-Isfahani, Sakineh; Saeedbakhsh, Saeed; Jahanbakhsh, Maryam; Habibi, Mahboobeh

    2015-01-01

    Quality is one of the most important criteria for the success of an information system, which refers to its desirable features of the processing system itself. The aim of this study was the analysis of system quality of hospital information systems (HIS) in teaching hospitals of Isfahan based on the DeLone and McLean model. This research was an applied and analytical-descriptive study. It was performed in teaching hospitals of Isfahan in 2010. The research population consisted of the HIS's users, system designers and hospital information technology (IT) authorities who were selected by random sampling method from users' group (n = 228), and system designers and IT authorities (n = 52) using census method. The data collection tool was two researcher-designed questionnaires. Questionnaires' reliability was estimated by using Cronbach's alpha was calculated. It was 97.1% for the system designers and IT authorities' questionnaire and 92.3% for system users' questionnaire. Findings showed that the mean of system quality score in a variety of HIS and among different hospitals was significantly different and not the same (P value ≥ 0.05). In general, Kosar (new version) system and Rahavard Rayaneh system have dedicated the highest and the lowest mean scores to themselves. The system quality criterion overall mean was 59.6% for different HIS and 57.5% among different hospitals respectively. According to the results of the research, it can be stated that based on the applied model, the investigated systems were relatively desirable in terms of quality. Thus, in order to achieve a good optimal condition, it is necessary to pay particular attention to the improving factors of system quality, type of activity, type of specialty and hospital ownership type.

  15. Research Facilities for Solar Astronomy at ARIES P. Pant

    Indian Academy of Sciences (India)

    Aryabhatta Research Institute of Observational Sciences (ARIES), Manora Peak,. Nainital 263 129 .... station-20 computer, a GPS clock for accurate timing, etc. The various CCD ... circulation unit is used for cooling the camera head up to −25.

  16. Dåser uden pant: Cans without a mortgage

    OpenAIRE

    Rostrup, Emil; Mouritzen, Jeppe; Wagner, Sara; Skovlund, Kristian; Rein, Jakob; Engholm, Simon

    2013-01-01

    This research aims to investigate the possibility of changing people’s recycle behaviour, with a focus on cans without a mortgage, through a design. In order to investigate this possibility, a needs assessment was carried out, where the specific demands of waste plants, consumers, retail trade and environment were taken into consideration. The demands of the waste plants as well as the demand of the retail trade were found by collecting empiricism from various websites. The needs of the consu...

  17. 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

  18. 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

  19. The status of bank lending to SMES in the Middle East and North Africa region : the 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 than private banks. On another hand, credit guarantee schemes are a popular form of support to SME finan...

  20. Lonely Days and Lonely Nights: Completing the Doctoral Dissertation.

    Science.gov (United States)

    Germeroth, Darla

    1991-01-01

    Surveys holders of doctorates in speech communication to discover the greatest barriers to dissertation completion and the forms of emotional support perceived as most useful. Offers advice to help doctoral candidates succeed in completing a dissertation. (SR)

  1. Poland: Lone Eagle over Europe

    Science.gov (United States)

    2012-05-17

    found himself surrounded by enemies. To complicate matters, the Treaty of Versailles and the Paris Peace Conference left many unanswered questions...reported Russian forces 75 miles from Warsaw and laying siege to the fortresses of Lomza and Brest -Litovsk along the Bug River.80 Like Pilsudski’s drive...territories granted by the Treaty of Versailles and the Paris Peace Conference.124 With the possibility of war, the Poles turned their nation’s military

  2. Sex and the lonely Atriplex

    Science.gov (United States)

    D. Carl Freeman; E. Durant McArthur; Kathleen J. Miglia; Michelle J. Nilson; Michelle L. Brown

    2007-01-01

    In principle, natural selection should have endowed species with the ability to assess their normal surroundings and respond to changes that enhance, or at least do not diminish, their fitness (Emlen et al. 1998). Hence, the chameleon changes colors to match its background to avoid being eaten, or a sweet pea's tendrils wrap around supporting structures. Buffalo...

  3. Coloring and The Lonely Graph

    OpenAIRE

    Rabern, Landon

    2007-01-01

    We improve upper bounds on the chromatic number proven independently in \\cite{reedNote} and \\cite{ingo}. Our main lemma gives a sufficient condition for two paths in graph to be completely joined. Using this, we prove that if a graph has an optimal coloring with more than $\\frac{\\omega}{2}$ singleton color classes, then it satisfies $\\chi \\leq \\frac{\\omega + \\Delta + 1}{2}$. It follows that a graph satisfying $n - \\Delta < \\alpha + \\frac{\\omega - 1}{2}$ must also satisfy $\\chi \\leq \\frac{\\ome...

  4. They all do it, will you? Event-related potential evidence of herding behavior in online peer-to-peer lending.

    Science.gov (United States)

    Yu, Haihong; Dan, MengHan; Ma, Qingguo; Jin, Jia

    2018-05-14

    As herding is a typical characteristic of human behavior, many researchers have found the existence of herding behavior in online peer-to-peer lending through empirical surveys. However, the underlying neural basis of this phenomenon is still unclear. In the current study, we studied the neural activities of herding at decision-making stage and feedback stage using event-related potentials (ERPs). Our results showed that at decision-making stage, larger error related negativity (ERN) amplitude was induced under low-proportion conditions than that of high-proportion conditions. Meanwhile, during feedback stage, negative feedback elicited larger feedback related negativity (FRN) amplitude than that of positive feedback under low-proportion conditions, however, there was no significant FRN difference under high-proportion conditions. The current study suggests that herding behavior in online peer-to-peer lending is related to individual's risk perception and is possible to avoid negative emotions brought by failed investments. Copyright © 2018 Elsevier B.V. All rights reserved.

  5. Türkiye’de Banka Kredi Kanalının İşleyişi: Ampirik Bir Analiz(Processing of Bank Lending Channel in Turkey: An Empirical Analysis

    Directory of Open Access Journals (Sweden)

    Osman PEKER

    2011-01-01

    Full Text Available In this study, processing of bank lending channel in Turkey was tested with the help of vector auto regression (VAR method by using 1990:01-2008:11 period monthly data. Processing of bank lending channel was investigated on the basis of two different monetary policy variables. According to the empirical findings of the study, on the contrary overnight interest rate, money supply was found to be a more effective monetary policy variable. In case of controling money supply, Central Bank can operate effectively bank credit channels and therefore the amount of output and inflation is going to be directed more easily. In this context it can be said that the processing of the bank lending channel is effective in Turkey.

  6. Charge disproportionation of mixed-valent Cr triggered by Bi lone-pair effect in the A -site-ordered perovskite BiC u3C r4O12

    Science.gov (United States)

    Etter, Martin; Isobe, Masahiko; Sakurai, Hiroya; Yaresko, Alexander; Dinnebier, Robert E.; Takagi, Hidenori

    2018-05-01

    A new A -site-ordered perovskite BiC u3C r4O12 is synthesized under a high pressure of 7.7 GPa. A phase transition from a paramagnetic metal to a ferrimagnetic metal is observed at Tc=190 K accompanied with a structural change from cubic to monoclinic. Structural analysis of the low-temperature monoclinic phase reveals that this transition represents a charge disproportionation of C r3.75 + into C r4 + and C r3.5 + . We argue that the asymmetric displacement of Bi caused by a lone-pair effect triggers the formation of a dimeric Cr4+2O5 unit and leads to an ordering of C r4 + and C r3.5 + below the transition.

  7. Formas reificadas de referenciação relativas a personagens de narrativas afiliadas ao lendário amazônico

    Directory of Open Access Journals (Sweden)

    Heliud Luis Maia MOURA

    Full Text Available RESUMO O objetivo deste artigo é analisar, a partir dos pressupostos da Linguística Textual e do Sociocognitivismo, formas reificadas de referenciação relativas a personagens de narrativas afiliadas ao lendário amazônico. Tomo como fundamento teórico as postulações de Marcuschi (2007, Fillmore (1976, 1977, 1982, 1985, Feltes (2007, Goffman (1974, 1988, Tomasello (1988, 1992a, 1995a, 2003, Koch (2004, 2006, Geertz (2008, Ferreira (1986, Abbagnano (1962, para os quais, sob diversas perspectivas teóricas, as formas-processos referencial-reificatórios são resultados de reconstruções sociocognitivas e culturais de entidades e eventos em mobilização nas narrativas em estudo.

  8. Türkiye’de Banka Kredileri Kanalının İşleyişi Üzerine Ampirik Bir Analiz = Empirical Analysis of the Bank Lending Channel in Turkey

    Directory of Open Access Journals (Sweden)

    Sinem Gözde BEŞBALLI

    2010-01-01

    Full Text Available The effect of a change in monetary policy on output operates through monetary transmission channels. The transmission channels of monetary policy may be gathered in five main titles: interest rates channel, asset prices channel, exchange rate channel, credit channel (bank lending channel, balance sheet channel and expectation channel. Findings obtained from the analysis of the transmission channels can be used in policy determination.This paper empirically analyzes the bank lending channel, one of the transmission mechanisms of monetary policy in Turkey. In this paper, data between 1996:06-2006:09 are examined using VAR methodology. According to the findings, the credit channel in Turkey operates partially.

  9. 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

  10. 公共出借權計畫之本質與價值 The Essence of an Public Lending Right System

    Directory of Open Access Journals (Sweden)

    Jeong-yeou Chiu

    2001-03-01

    Full Text Available 無Stocks, titles, loan estimates and grants make the payment of Public Lending Right, plus with the hybrid system of estimates mentioned. PLR is growing but more complicated than ever. Nevertheless, some of the reasons for convincing people of realizing PLR are controversial. To be sure, the PLR-related issues are full of the academic value. While government, library, author, reader, and bookshop working together with a rational correlation, PLR certainly becomes harmonious and be a well designed policy. The case of the UK PLR has been introduced and given a meaningful thinking to us. The positive attitudes of library toward PLR system and the emphasis on the relationship between publishing market and library are of importance. Non-book material and digital information are also the future of PLR implement. Taiwan's PLR system and payment, if to be employed, should simply begin with and be recognized as a culture policy to evade the difficulties of immediately revising the copyright or other national policies.

  11. Promoting gender equality in access to microcredit through flexible lending approaches of female targeting MFIs: Evidence from Duterimbere MFI of Rwanda

    Directory of Open Access Journals (Sweden)

    Liberata Mukamana

    2016-11-01

    Full Text Available Access to loans is one of the most important areas of focus by many development practitioners for reducing the existing gender gap in access to productive resources. Microfinance Institutions which target females as key clients were promoted for their lending approaches which avoid previous discriminatory practices that excluded women in the financial system. The current study examines the role of Duterimbere MFI of Rwanda in promoting equality in access to microcredit between female and male borrowers. The results of the study are generated by analyzing quantitative data collected from 244 females and 94 males using the questionnaire and qualitative data collected from focus group discussions and interviews with key informants. The study findings revealed that Duterimbere has been able to adapt its requirements to the specific needs of poor women. A significant number of poor women have been able to join the MFI through group solidarity, a method that has upgraded their borrowing capacity to the level of getting individual loans on equal basis as male peers. This study recommends further research that should go beyond access to loan and consider the dynamics of power relations about utilization of the loan received by female and male borrowers.

  12. Molecular electrostatic potential and "atoms-in-molecules" analyses of the interplay between π-hole and lone pair···π/X-H···π/metal···π interactions.

    Science.gov (United States)

    Bauzá, Antonio; Seth, Saikat Kumar; Frontera, Antonio

    2018-04-05

    Using ab initio calculations, we analyze the interplay between π-hole interactions involving the nitro group of 1,4-dinitrobenzene and lone pair···π (lp···π), C-H···π or metal(M)···π noncovalent interactions. Moreover, we have also used 1,4-phenylenebis(phosphine dioxide) for comparison purposes. Interesting cooperativity effects are found when π-hole (F···N,P) and lp···π/C-H···π/M···π interactions coexist in the same supramolecular assembly. These effects are studied theoretically in terms of energetic and geometric features of the complexes, which are computed by ab initio methods (RI-MP2/def2-TZVP). A charge density analysis using the Bader's theory of "atoms in molecules" is carried out to characterize the interactions and to analyze their strengthening or weakening depending on the variation of charge density at critical points. The importance of electrostatic effects on the mutual influence of the interaction is studied by means of molecular electrostatic potential calculations. By taking advantage of these computational tools, the present study examines interplay of these interactions. © 2017 Wiley Periodicals, Inc. © 2017 Wiley Periodicals, Inc.

  13. A Critical Essay to the selected text – “Araby” What makes the protagonist in “Araby” a lonely person? Has he gained anything from his journey?

    Directory of Open Access Journals (Sweden)

    Charles Ko

    2013-07-01

    Full Text Available The present study has been covered an overview and the analysis of the short story “Araby” to find out what makes the protagonist a lonely person, by plot points, characters and themes, and then it has been included a discussion about the gain of the protagonist from the journey. The story starts in the drab life that people live on North Richmond Street. The narrator, a boy who is unnamed, believed to be at the age of around twelve (Cummings, describes the street where he lives at the very beginning of the story. He then thinks about the priest who died in the house before his family moved in, and the games that he and his friends played in the street, recalling how they were running through the back lanes of the houses and hid in the shadows to avoid people in their neighborhood, especially the boy’s uncle, and the sister of his friend Mangan. Mangan’s sister is always in the thoughts of the narrator although they talk little. The paper enables us to have an opportunity to reflect on our life: if we reflect the “gain” again in the more critical direction, we should not regard the loss of innocence as any gain: the innocence that we cannot easily retrieve it from society must be protected before it is lost; to a large extent, innocence may not be negative if we consider it as a source of happiness.

  14. 77 FR 76841 - Lending Limits

    Science.gov (United States)

    2012-12-31

    ... measuring the appropriate credit exposures of derivatives transactions and securities financing transactions... a credit exposure arising from a derivative transaction or securities financing transaction on or... derivative transactions or securities financing transactions from January 1, 2013 to July 1, 2013 in order to...

  15. 78 FR 37930 - Lending Limits

    Science.gov (United States)

    2013-06-25

    ... provision will be removed when the rule's temporary exception period for derivative and securities financing... than credit derivatives, and two methods for securities financing transactions.\\11\\ Unless required to... exposure arising from all derivative transactions and the same method for all securities financing...

  16. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

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

  17. Lending conspiracy alleged by Slesers

    Index Scriptorium Estoniae

    2010-01-01

    Peaministri kandidaat Ainars Slesers väitis telesaates "900 sekundit", et Läti valitsusel on sõlmitud rahvusvaheliste kreeditoridega salalepe, mille kohaselt erastatakse pärast parlamendivalimisi riigiettevõtted. Peaminister Valdis Dombrovskis ütles ajakirjale "Ir", et valitsusel ei ole selliseid plaane

  18. Comparative Study of Crowdfunding and Lending in Book Publishing%图书出版众筹模式与借贷模式的比较研究

    Institute of Scientific and Technical Information of China (English)

    李旸; 甘浩辰

    2016-01-01

    本文采用成本收益的分析思想,将图书出版融资模式划分为众筹与传统借贷模式,比较两种模型的差异,并采用实际案例检验收益区别。结果发现,对于发起人而言,众筹的利润低于传统借贷产生的利润。只有当图书众筹市场规模与图书传统市场规模相等时,众筹的利润才略微高于传统借贷的利润。由此可见,现阶段的图书众筹模式在收益上并不具备显著优势,本文据此对众筹模式未来的发展提出了相关建议。%The book publishing financing models can be dividedinto crowdfunding model and traditional lending model. We use cost-beneift analysis to compare the difference between these two models and exam-ine the benefit by using real case study. The result shows that, from the promoter’s point ofview, the benefit of crowdfunding is lower than traditional lending’s.Only when the book crowdfunding market size is equal to the total book market size, the benefit of crowdfunding is slightly higher than lending’s. In conclusion, the book crowdfunding model, at this stage, does not have signiifcant advantage in beneift. According to the result, this paper provides related proposals for the future development of crowdfunding.

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

    OpenAIRE

    Steven Ongena; Ibolya Schindele; Dzsamila Vonnak

    2014-01-01

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

  20. Tb3O2Cl[SeO3]2 and Tb5O4Cl3[SeO3]2: Oxide Chloride Oxoselenates(IV) of Trivalent Terbium with ''Lone-Pair'' Channel or Layer Structures

    International Nuclear Information System (INIS)

    Wontcheu, Joseph; Schleid, Thomas

    2005-01-01

    Orthorhombic Tb 3 O 2 Cl[SeO 3 ] 2 (Pnma; a = 535.16(4), b = 1530.51(9), c = 1081.72(7) pm; Z = 4) is formed by reacting a stoichiometric mixture of Tb 4 O 7 , Tb, TbCl 3 , and SeO 2 in a suitable molar ratio (12: 8: 7: 42) within seven days in an evacuated sealed silica tube at 850 C. The needle-shaped, colourless single crystals (light, water and air stable) exhibit one-dimensional strands [(Tb1) 3/3 (Tb2) 2/1 O 4/2 ] 5+ [O 2 Tb 3 ] 5+ along [100] formed by two parallel chains [OTb 4/2 ] 4+ of trans-edge connected [OTb 4 ] 10+ tetrahedra (d(O-Tb) = 220 - 231 pm) which share an extra edge per chain link. The crystal structure contains two crystallographically different Tb 3+ cations: Tb1 is coordinated as bicapped trigonal prism, while Tb2 resides in square antiprismatic coordination. The Se 4+ coordination is best described as Ψ 1 tetrahedral ([SeO 3 E] 2- ; E: non-binding electron pair). The non-binding ''lone-pair'' electrons of four [SeO 3 ] 2- groups and two Cl - anions form pseudo-hexagonal empty channels along [100] between four cationic double chains. Tb 5 O 4 Cl 3 [SeO 3 ] 2 was prepared likewise as plate-like, colourless single crystals by solid-state reaction of an admixture of Tb 4 O 7 , Tb, TbOCl, TbCl 3 , and SeO 2 (molar ratio: 9: 6: 21: 7: 28) in an evacuated sealed silica tube during seven days at 850 C. This compound crystallizes in the monoclinic system (C2/m; a = 1229.13(9), b = 546.17(4), c = 978.79(7) pm, β = 90.485(6) ; Z = 2) and contains three crystallographically different Tb 3+ cations in seven- and eightfold coordination of O 2- and Cl - anions, respectively. The crystal structure of Tb 5 O 4 Cl 3 [SeO 3 ] 2 is layered and built up of corrugated terbium-oxygen sheets [O 4 Tb 5 ] 7+ formed by edge- and vertex-shared [OTb 4 ] 10+ tetrahedra (d(O-Tb) = 226-232 pm) spreading parallel (001). The structure is strongly related to the ''lone-pair'' channel structures of Tb 2 O[SeO 3 ] 2 and Tb 3 O 2 Cl[SeO 3 ] 2 , where single ([OTb 2 ] 4

  1. A Study on Narrative Perspectives in The Heart is a Lonely Hunter%论《心是孤独的猎手》中的叙事视角

    Institute of Scientific and Technical Information of China (English)

    陈博

    2012-01-01

    The theme of loneliness in McCullers" works has always been the focus of which the connotations of feminism, poetic traits as well as cultural background of criticism have been circles, out explored to the fullest extent over the past few years. McCullers" genius is not only embodied in her keen and deep insight; but also in her unique and exquisite narrative skill. This thesis attempts to elaborate on the narrative strategies of McCullers" The Heart is a Lonely Hunter, of which the narrative perspective is of variety. That is mainly embodied in the applications of third person external perspective, zero perspective and internal perspective. These three kinds of perspective are switched back and forth tactfully, reflecting the unique creative concept of the author.%麦卡勒斯作品的孤独主题一直占据评论界的中心,其引申出的女性主义、诗性特征以及文化背景义涵都得到了充分的拓展。麦卡勒斯的天才不仅体现在其敏锐深刻的洞察力上,也体现在其独特精致的叙事技巧上。麦卡勒斯作品《心是孤独的猎手》的叙事视角具有多变性特征,主要表现在第三人称外视角的应用,零视角的应用,以及内视角的应用等方面。三种视角巧妙地来回切换,体现了作者独具匠心的创作理念。

  2. Teaching Moral Theories Using "Lone Survivor"

    Science.gov (United States)

    Boyd, Barry L.

    2015-01-01

    Four members of SEAL Team 10 faced a moral dilemma during Operation Redwings in 2005. Their mission was compromised when three goat herders discovered their position. They had to decide if they should kill the herders and continue their mission or release them, thus terminating their mission unsuccessfully. Students in an applied ethics class were…

  3. The Lone Wolf Threat: A Different Approach

    Science.gov (United States)

    2016-03-24

    prosocial or antisocial. Prosocial behavior is voluntary behavior intended to benefit another, such as assisting, sharing, and comforting others. For the...10  Cognitive Capacity... affect the public morale could attack a negative symmetric target that is randomly chosen or simply the most easily accessible. Additionally, seams

  4. Reading Samuel Selvon's The Lonely Londoners

    African Journals Online (AJOL)

    User

    is represented when he says to Moses in confidence: 'Don't worry, I will get fix up as .... of the immigrants in London, these are the things they strive .... cultures could be done, a task one can argue he sets out to do and reconcile in his novel.

  5. Lonely Birthday Eaters Anonymous: The Chinese Wall

    NARCIS (Netherlands)

    Laine, T.

    2015-01-01

    Loneliness forms the emotional core of The Chinese Wall. But rather than inviting empathetic identification with the main character, this film embodies the feeling by means of voice-over, mise-en-scène and the role of food (its consumption, tasting and sharing).

  6. Putting an End to Lonely Street.

    Science.gov (United States)

    Katz, Claudia Anne

    1994-01-01

    Discusses how portfolios can assist middle-school teachers in placing graduating students in English class at the high school level. Illustrates issues involved by using the example of Elvis Presley completing his portfolio. (RS)

  7. The Lone Wolf Threat: A Different Approach

    Science.gov (United States)

    2016-03-24

    adulthood.” Individuals with antisocial personality disorder may disregard social norms and laws, repeatedly lie, place others at risk for their own...National Institute of Mental Health, “ Antisocial Personality Disorder ,” National Institute of Health, http://www.nimh.nih.gov/health/statistics/prevalence...Institute. (U.S. Army War College, Carlisle, PA), 2001. National Institute of Mental Health. “ Antisocial Personality Disorder .” National Institute of

  8. The lonely life of a double planet

    International Nuclear Information System (INIS)

    Pearson, Jerome

    1988-01-01

    The paper concerns extraterrestrial intelligence, and the requirements for a terrestrial planet and life. The effect of the Moon on the Earth, the presence of the Earth's atmosphere and oceans, the Earth's magnetic field, and the Earth's molten core, the distance between the sun and Earth where life is possible, and estimates of the number of habitable planets in the galaxies, are all discussed. (U.K.)

  9. Lonely life of a double planet

    Energy Technology Data Exchange (ETDEWEB)

    Pearson, Jerome

    1988-08-25

    The paper concerns extraterrestrial intelligence, and the requirements for a terrestrial planet and life. The effect of the Moon on the Earth, the presence of the Earth's atmosphere and oceans, the Earth's magnetic field, and the Earth's molten core, the distance between the sun and Earth where life is possible, and estimates of the number of habitable planets in the galaxies, are all discussed. (U.K.).

  10. The Research Journey: A "Lonely Planet" Approach

    Science.gov (United States)

    Mackenzie, Noella M.; Ling, Lorraine M.

    2009-01-01

    In this article the authors discuss the impact of research on a neophyte researcher and the research supervisor. The methodology which is applied throughout this article is autoethnographic narrative. It represents retrospective reflection on the part of the authors and thus to some extent is about retrospective meaning making. It centres upon the…

  11. Why Are Hot Jupiters So Lonely?

    Science.gov (United States)

    Kohler, Susanna

    2017-10-01

    Jupiter-like planets with blisteringly close-in orbits are generally friendless, with no nearbyplanets transiting along with them. Giant planets with orbits a little further out, on the other hand, often have at least one companion. A new study examines the cause of hot Jupiters loneliness.Forming Close-In GiantsArtists impression of a planet forming within a protoplanetary disk. [NAOJ]Though weve studied close-in giant planets for decades now, we still dont fully understand how these objects form and evolve. Jupiter-like giant planets could form in situ next to their host stars, or they could form further out in the system beyond the ice line and then migrate inwards. And if they do migrate, this migration could occur early, while the protoplanetary disk still exists, or long after, via excitation of large eccentricities.We can try to resolve this mystery by examining the statistics of the close-in giant planets weve observed, but this often raises more questions than it answers. A prime example: the properties of close-in giants that have close-in companion planets orbiting in the same plane (i.e., co-transiting).About half of warm Jupiters Jupiter-like planets with periods of 1030 days appear to have close-in, co-transiting companions. In contrast, almost no hot Jupiters Jupiter-like planets with periods of less than 10 days have such companions. What causes this dichotomy?Schematic of the authors model, in which the close-in giant (m1) encounters a resonance with its host star, causing the orbit of the exterior companion (m2) to become tilted. [Spalding Batygin 2017]Friendless Hot JupitersWhile traditional models have argued that the two types of planets form via different pathways warm Jupiters form in situ, or else migrate inward early and smoothly, whereas hot Jupiters migrate inward late and violently, losing their companions in the process a new study casts doubt on this picture.Two scientists from the California Institute of Technology, Christopher Spalding and Konstantin Batygin, propose an alternative picture in which both types of planets form through identical pathways. Instead, they argue, a hot Jupiters apparent loneliness arises over time through interactions with its host star.Stellar Interactions Impact CompanionsSemimajor axis for the outer companion (a2) vs that of the close-in giant planet (a1) at three different system ages. Outer companions within the shaded region will not encounter the resonance investigated by the authors, instead remaining coplanar with the inner giant. For this reason, warm Jupiters will have evident companions whereas hot Jupiters will not. [Spalding Batygin 2017]Whether giant planets form in situ near their hosts or migrate inward, they can still have close-in, co-transiting companions outside of their orbit shortly after their birth, Spalding and Batygin argue. But after the disk in which they were born dissipates, the orbits of their companions may be altered.The authors demonstrate that because hot Jupiters are so close to their hosts, these giants eventually encounter a resonance with their stellar hosts quadrupole moment, which arises because rotating stars arent perfectly spherical. This resonance tilts the orbits of the hot Jupiters outer, lower-mass companions, rendering the companions undetectable in transit surveys.Warm Jupiters, on the other hand, are located just far enough away from their hosts to avoid feeling the effects of this resonance which allows them to keep their outer companions in the same plane.Based on their model, Spalding and Batygin make direct predictions for the systems they expect to be observed in large upcoming surveys like the Transiting Exoplanet Survey Satellite (TESS) which means we should soon have a sense of whether their picture is correct. If it is, it will confirm that the non-sphericity of stars can have significant impact on the dynamics and architecture of exoplanetary systems.CitationChristopher Spalding and Konstantin Batygin 2017 AJ 154 93. doi:10.3847/1538-3881/aa8174

  12. TECHNICAL SOLUTIONS FOR MODELING PANTS PATTERNS IN CORRESPONDENCE WITH WOMEN'S CONFORMATIONAL PARTICULARITIES

    Directory of Open Access Journals (Sweden)

    Sabina Olaru

    2013-01-01

    Full Text Available The geometric method used in patterns design of different products categories, gives good results for garments manufacturing in industrial system, meaning type representative bodies. The quality of the results is due to the fact that in geometric method the completion of the basic patterns is achieved by prototype implementation followed by viewing the correspondence between the body and the garment, by dressing the human body or industrial mannequin. In the case that the garment, designed and manufactured for type representative bodies according to the standards is dressed by persons that do not fit the type bodies for whom the product was made, the fenomena called “draping defects” apprears. These unconcordances between wearer body and product obtained in industrial system is due to the conformational features of potential users such as: buttocks prominence and form, hips prominence and form, pelvis width and length, ratio between front and anterior-posterior diameters of the pelvis.Anthropometry researches have shown that for a standardized value of the hip perimeter the secondary dimensions of the area (posterior buttock arch, length from waist the buttock point, lower arch of torso may have different values. In this context, the paper aims to analyze the shape and size of the women’s pelvis and to develop the technical solutions to adapt the basic pattern for “trousers with adjusted silhouette” to concrete particularities of the body shape.

  13. How to keep your pants on: historic metamaterials and elasticity before the invention of elastic

    Science.gov (United States)

    Matsumoto, Elisabetta A.; Mahadevan, L.

    2015-03-01

    How do you create stretching from an inextensible material? Remarkably, the centuries-old embroidery technique known as smocking accomplishes just this. With the recent explosion of origami-based engineering, the search is on for a set of design principles to generate materials with prescribed mechanical properties. This quickly becomes a complex mathematical question due to the strict constraints of rigid origami imposed by the inextensibility of paper. Softening these constraints by considering woven fabrics, which have two orthogonal inextensible directions and a skewed soft shear mode, opens up a zoo of possible configurations. We explore the emergence of elastic properties in smocked fabrics as functions of both fabric elasticity and smocking pattern.

  14. Edward Albee and Arthur Kopit: Look Who’s Wearing the Pants!

    Directory of Open Access Journals (Sweden)

    Andra AGAFIȚEI

    2014-12-01

    Full Text Available The aim of this paper is, on the one hand, to make the readers acquainted with the realities of the twentieth century American family, as perceived by the two American playwrights, and, on the other hand, to underline the unusual phenomena that have been brought by the changing dynamics of the family relationships. All the five plays under discussion—All Over, A Delicate Balance, The American Dream, The Sandbox by Edward Albee, and Oh Dad, Poor Dad, Mamma's Hung You in the Closet and I'm Feelin’ So Sad by Arthur Kopit — present situations in which the female characters seem to have become the leader, taking the place of the head of the family, of the pater familias. They stop acting like loving mothers and wives, they forget to take care of their families; instead, they lock away their hearts and assume the part of some sort of tyrant: they control everyone and everything in the house, their word being the equivalent of a rule. The female characters are endowed with masculine traits, whereas the male characters are emasculated, effeminate, deprived of any kind of power. The purpose of the paper is to demystify the myth of the ideal, perfect American family,to make the readers realize that the image that has been presented to the non-American public is, in the twentieth century, nothing but a disguise. Our goal is to display the image of the new American family hoping that, in doing so, we will succeed in making the readers realize the fact that human relationships, especially the ones within the family, need to be re-established on a deeper and more meaningful level.

  15. La divinidad celeste/solar en el panteón céltico peninsular

    Directory of Open Access Journals (Sweden)

    Rubén Abad Lara

    2008-01-01

    Full Text Available En la Hispania prerromana existió una divinidad suprema con carácter celeste y solar de tipo similar a la que se rindió culto en el resto de la Europa indoeuropea. El análisis de algunas piezas del arte celtibérico, nos revela que esa divinidad principal era representada bajo la forma de un jinete a caballo con lanza. La iconografía muestra que ese dios, uno de cuyos nombres pudo ser Lugus, tomó parte de numerosos mitos que le relacionaban con la guerra, la fertilidad y el mundo funerarioIn preroman Spain there was a supreme divinity with solar and heavenly roles, very similar to the divinities worshiped in the rest of the indoeuropean Europe. The analysis of some celtiberian pieces of art, revealed to us that this principal divinity was depicted in the form of a horseman on his horse and holding a spear. The iconography shows that this God, one of his names could be Lugus, took part in many myths which linked him to war, fertility and the funerary world.

  16. Consumption, Health, and Disposability in "SpongeBob SquarePants"

    Science.gov (United States)

    Piatti-Farnell, Lorna

    2015-01-01

    In recent years, food scholarship has extended its preoccupation with consumption to interrogating the relationship between eating, culture and waste, and their effects on the environment. Simultaneously, food-related concerns have also become a recurrent part of popular culture, where examples from children's television provide fertile ground for…

  17. 'Then how can you explain Sgt. Pompous and the Fancy Pants Club Band?'

    DEFF Research Database (Denmark)

    Langkjær, Michael Alexander

    2010-01-01

    for a glorious past, attraction to uniform aesthetics, citing of previous iconic 'warriors of rock,' finding a unique visual 'hook,' reasserting national rock-cultural identity and/or waging uniformed 'warfare' between rock groups. Possible origins of 'rock-military style' are discussed along with its......Why do rock performers wear military uniforms? The motive is generally assumed to be 'transgressively subversive.' However, when looking more closely at particular performers and groups, this is found to be far from always the case in as much as motives include pride in being a veteran, nostalgia...

  18. Discussion on the operation of quality management system in general agent of nuclear pants

    International Nuclear Information System (INIS)

    Ji Cunxing; Ran Muzi; Shi Lei; Cui Hannan; Wang Gang; Hou Yanli; Li Qilong

    2010-01-01

    In view of some questions encountered in operation process of quality management system in general agent of nuclear plants of CNNC China Nuclear Power Engineering Co., Ltd. Discussion is made on the questions from four aspect, which should be paid attentions in operation and improvement in order to perfect enterprise management system, increase management level, competitive power to ensurereliable and stable incomes for enterprises. (authors)

  19. The year without pants WordPress.com and the future of work

    CERN Document Server

    Berkun, Scott

    2013-01-01

    A behind-the-scenes look at the firm behind WordPress.com and the unique work culture that contributes to its phenomenal success 50 million websites, or twenty percent of the entire web, use WordPress software. The force behind WordPress.com is a convention-defying company called Automattic, Inc., whose 120 employees work from anywhere in the world they wish, barely use email, and launch improvements to their products dozens of times a day. With a fraction of the resources of Google, Amazon, or Facebook, they have a similar impact on the future of the Internet. How is this possible? What's dif

  20. Managing change: By the book or the seat of your pants

    DEFF Research Database (Denmark)

    Jørgensen, Frances; Boer, Harry

    2006-01-01

    Two cases from a Danish manufacturing facility are presented in this paper to illustrate challenges that may arise when attempting to apply theory in practice. In the first case, perceived environmental instability precipitated a change from a functional team design to a product/market design....... Contingency theory suggests that product oriented teams should provide greater flexibility in turbulent environments and this is what happened here. The teams became more customer-service oriented, motivated, and satisfied. Later reevaluation of the environment suggested increased stability, so the teams were...... returned to their functional duties, which resulted in poor performance, low motivation, and dissatisfaction. The second case describes what happened when the corporate headquarters attempted to centralize HRM functions, which had become relatively decentralized as teams became semi-autonomous. Again...

  1. Supervision of Norwegian nuclear pants 2009-2011; Tilsyn med norske atomanlegg 2009-2011

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2012-07-01

    Institute for Energy Technology (IFE), is responsible for Norway's nuclear power plants in Halden, at Kjeller and Himdalen. NRPA causes continuous supervision of all aspects of the IFE's activities, among other things, nuclear safety, emergency preparedness and emissions. In the period 2009-2011 it has not been any serious incidents at IFE's nuclear power plants.(Author)

  2. Who Wears the Pants: The Implications of Gender and Power for Youth Heterosexual Relationships.

    Science.gov (United States)

    Bay-Cheng, Laina Y; Maguin, Eugene; Bruns, Anne E

    2018-01-01

    Relationships in which power is equally distributed are consistently associated with greater quality (e.g., deeper intimacy, less turmoil, more pleasure), but it can be difficult to strike such a balance. Furthermore, dominant gender scripts and norms are complexly intertwined with power in heterosexual relationships. We studied the joint implications of power and gender for relationship quality using 114 U.S. emerging adults' quantitative and qualitative assessments of 395 heterosexual relationships. Linear mixed method analyses indicated that participants found relationships in which they shared power or were dominant to be more intimate and stable than those in which they felt subordinate, but we found no link between power and pleasure. Gender acted as a moderator such that women rated relationships in which they felt subordinate as less intimate and more tumultuous than those in which they felt dominant, whereas men's ratings did not vary by whether they felt subordinate or dominant. Qualitative data also showed power imbalances to be more problematic for women: Of the 17 relationships involving an abusive or controlling partner, 15 were reported by women. We conclude that while both young men and young women may feel subordinate in relationships, the consequences thereof are more detrimental for young women.

  3. The role of the family in a lonely life and works of the modern writer – Jan Rybowicz [Rola rodziny w samotnym życiu i twórczości współczesnego pisarza – Jana Rybowicza

    Directory of Open Access Journals (Sweden)

    Paulina LITWICKA

    2017-11-01

    Full Text Available The biographical and historical-literary analysis of works of the modern writer Jan Rybowicz indicates that having a family of one’s own was an unreachable dream for the artist, which affected his self-esteem and was a chance for his complete fulfillment. Letters to Elisabeth are showing problems of a sensitive artist in his contacts with women. The selected literary works draw attention at the issues of a lonely man missing a wife and children which he has never had. Autobiographical prose points to the passing time and difficult reality that made having a family impossible for the writer. Jan Rybowicz’s works show a man torn between his wishes and reality. A desire of having his own family gave him the strength to write, but, on the other hand, it made him suffer.

  4. Lavakad, 23. lend / Eva Kübar

    Index Scriptorium Estoniae

    Kübar, Eva

    2008-01-01

    Eesti Muusika- ja Teatriakadeemia lavakunstikooli XXIII lennu lõpetajatest - näitlejad Marek Tammets, Ago Soots, Agnes Aaliste, Martin Mill, Andres Oja, Juss Haasma, Maarja Mitt, Meelis Põdersoo, Jekaterina Novosjolova, Elina Pähklimägi ja Kristo Viiding, dramaturgid Marion Jõepera, Mart Kase ja Maria Lee Liivak ning lavastajad Robert Annus ja Uku Uusberg

  5. "Hingelindude" lend / Igor Garšnek

    Index Scriptorium Estoniae

    Garšnek, Igor, 1958-

    2010-01-01

    Tallinna Filharmoonia kontserdisarjas "Viva oratorio!" 2. novembril Tallinna Jaani kirikus toimunud Rein Rannapi koori-orkestriteose "Hingelinnud I" (tekst Indrek Hirv) esiettekandest. Esitasid ETV mudilaskoor, lastekoor ja vilislased ning Tallinna Kammerorkester Toomas Vavilovi dirigeerimisel, solistid Bonzo ja Kaisa Padur

  6. 75 FR 12333 - Truth in Lending

    Science.gov (United States)

    2010-03-15

    ... current cost information, the proposed rule would require card issuers to re-evaluate their costs at least... the individual characteristics of that consumer (such as the consumer's disposable income or other...

  7. Risk factors in oil and gas lending

    International Nuclear Information System (INIS)

    David, A.; Kipp, J.M.

    1991-01-01

    This paper reports that with the increasing internationalization of the petroleum industry, lenders to the industry must understand and overcome several new credit risk factors. As a result, new financial products are now available to reserve-based borrowers. Traditional project financing now also may include futures hedging, swaps, and collar elements

  8. 12 CFR 613.3005 - Lending objective.

    Science.gov (United States)

    2010-01-01

    ..., or producing or harvesting aquatic products); and conservative credit to less than full-time farmers..., other agricultural purposes, and family needs in the preferred position along with full-time farmers. Loans to farmers shall be on an increasingly conservative basis as the emphasis moves away from the full...

  9. Commercial lending in different corporate governance systems

    NARCIS (Netherlands)

    Pape, J.C.

    1999-01-01

    This thesis is concerned with corporate governance, or more accurately, about one of its many aspects. This thesis is about banks that finance firms and it is about the commercial loans that enterprises use to finance investments. It is not about shareholders, managerial remuneration or about the

  10. 75 FR 7657 - Truth in Lending

    Science.gov (United States)

    2010-02-22

    ... consumer consents, the issuer is also required to provide a notice of the consumer's right to revoke that... to open-end consumer credit plans, including credit card accounts. In particular, the rule limits the... consumer's ability to make the required payments, establishes special requirements for extensions of credit...

  11. Rotangiprints Cobonpue kõrge lend

    Index Scriptorium Estoniae

    2008-01-01

    Ajakiri Wallpaper nimetas filipiinlasest mööblidisaineri Kenneth Cobonpue üheks tänapäeva disaini ikooniks kõrvuti Philippe Starcki ja Antonio Citterioga. Mitmed Kenneth Cobonpue tööd on valitud International Design Yearbook 2002., 2004. ja 2005. aasta väljaannetesse (toimetajad Ross Lovegrove, Tom Dixon, Marcel Wanders)

  12. 76 FR 11597 - Truth in Lending

    Science.gov (United States)

    2011-03-02

    ...) would require the creditor to provide a statement that an escrow account is an account used to pay home... consumer waived it or a statement that the creditor does not offer the option of having an escrow account... that consumer a fee for foregoing such financial benefits with respect the transaction. Creditors that...

  13. 75 FR 66553 - Truth in Lending

    Science.gov (United States)

    2010-10-28

    ... Conduct, the current standard for appraisal independence for loans purchased by Fannie Mae and Freddie Mac... loans the GSEs would purchase. The HVCC is based on an agreement between the GSEs, New York State..., bribe, or intimidate a person, appraisal management company, firm, or other entity conducting or...

  14. Quiet innovation adds flexibility to global lending

    International Nuclear Information System (INIS)

    Pavey, Nigel.

    1993-01-01

    Few major mandates were won or lost in the first quarter of 1993, as the energy industry adopted a conservative approach to its financing needs. However, indications are that energy companies are coming back to the syndicated loan market after this quiet first quarter. Already, Enron, Shell Oil and Coastal have mandated substantial new facilities. Many more companies are expected back in the market over the new few months, including at least one jumbo for a major international name. A number of the industry's top names report that pricing is once again getting more aggressive in response to the high level of liquidity among lenders and a shortage of new mandates over the last few months. (Author)

  15. President Andrus Aljase ohtlik lend / Paavo Kangur

    Index Scriptorium Estoniae

    Kangur, Paavo, 1966-

    2009-01-01

    Estonian Airi president ja juhatuse esimees Andrus Aljas ettevõtte arengustsenaariumitest ja tegevusplaanidest järgmisteks aastateks. Estonian Airi positsioonist lennuturul. Vt. samas: Andrus Aljas; Fakte; Andrus Aljas: minu tööpäev

  16. SHORT-TERM FORECASTING OF MORTGAGE LENDING

    Directory of Open Access Journals (Sweden)

    Irina V. Orlova

    2013-01-01

    Full Text Available The article considers the methodological and algorithmic problems arising in modeling and forecasting of time series of mortgage loans. Focuses on the processes of formation of the levels of time series of mortgage loans and the problem of choice and identification of models in the conditions of small samples. For forecasting options are selected and implemented a model of autoregressive and moving average, which allowed to obtain reliable forecasts.

  17. 75 FR 7925 - Truth in Lending

    Science.gov (United States)

    2010-02-22

    ..., notices of changes in terms, and advertisements. The rule was published in the Federal Register on January... July 1, 2010 mandatory compliance date for many of the provisions incorporated from the January 2009...

  18. 12 CFR 32.3 - Lending limits.

    Science.gov (United States)

    2010-01-01

    ... techniques, or other appropriate methods, to independently verify the reliability of the credit information... period after its occurrence, or a requirement of good faith on the part of the bank. (5) Loans to or... union. (8) Loans to the Student Loan Marketing Association. Loans or extensions of credit to the Student...

  19. Robots Spur Software That Lends a Hand

    Science.gov (United States)

    2014-01-01

    While building a robot to assist astronauts in space, Johnson Space Center worked with partners to develop robot reasoning and interaction technology. The partners created Robonaut 1, which led to Robonaut 2, and the work also led to patents now held by Universal Robotics in Nashville, Tennessee. The NASA-derived technology is available for use in warehousing, mining, and more.

  20. 12 CFR 613.3200 - International lending.

    Science.gov (United States)

    2010-01-01

    ... is authorized to finance the export (including the cost of freight) of agricultural commodities or....3200 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELIGIBILITY AND SCOPE OF FINANCING...) Definitions. For the purpose of this section only, the following definitions apply: (1) Agricultural supply...

  1. 75 FR 58509 - Truth in Lending

    Science.gov (United States)

    2010-09-24

    ...), 15 U.S.C. 1601 et seq., based on findings that economic stability would be enhanced and competition... other less favorable terms. Yield spread premiums, therefore, present a significant risk of economic...

  2. 12 CFR 7.4008 - Lending.

    Science.gov (United States)

    2010-01-01

    ... not make a consumer loan subject to this § 7.4008 based predominantly on the bank's realization of the...) Access to, and use of, credit reports; (viii) Disclosure and advertising, including laws requiring...) Taxation; (7) Zoning; and (8) Any other law the effect of which the OCC determines to be incidental to the...

  3. Nature always lends a hand; interview

    NARCIS (Netherlands)

    Stive, M.; Panhuijsen, J.

    2012-01-01

    Professor Marcel Stive’s voice is heard and respected in many a delta. As a scientist, consultant and creator of the sand engine, he is putting his stamp on the Dutch coast of the future. Other countries – including Vietnam – are eager to draw on his expertise. “You can’t pull any tricks.”

  4. 75 FR 67457 - Truth in Lending

    Science.gov (United States)

    2010-11-02

    ....2(a)(15)(ii). Because most if not all credit accounts can be accessed in some fashion by an account... outstanding balances in full at the end of each billing cycle. Accordingly, the applicability of a particular... outstanding balance in full by the due date each billing cycle, or on the consumer paying the outstanding...

  5. 76 FR 22947 - Truth in Lending

    Science.gov (United States)

    2011-04-25

    ...' advance notice of interest rate increases and significant changes in terms (TILA Section 127(i)) and... things, provisions regarding interest rate increases (TILA Section 171), over-the-limit transactions... understanding of the circumstances under which such preferred rates can be terminated by the creditor...

  6. Soft information matters in SME lending

    NARCIS (Netherlands)

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

    2011-01-01

    textabstractLoan data from small and medium-sized enterprises (SMEs) has shown that such positive attributes as good management skills and character – so-called ‘soft’ facts – can improve a borrower’s bargaining power with their bank and thus loan terms.

  7. 75 FR 37525 - Truth in Lending

    Science.gov (United States)

    2010-06-29

    ... creditworthiness or behavior on the account, which the consumer may be able to take actions to mitigate, or whether... consumers of any specific on-account behavior in which they have engaged that gave rise to the rate increase.... 226.9, 226.52, and 226.59, and the amendments to Model Forms G-20 and G-22 in Appendix G to Part 226...

  8. EBRD wants less foreign currency lending

    Index Scriptorium Estoniae

    2010-01-01

    Euroopa Rekonstruktsiooni- ja Arengupanga aktsionäride kohtumisel otsustati tõsta aktsiakapitali 50% ja lubati toetada programmi, mille käigus aidatakse toorainet ja vähesel määral vääristatud tooteid eksportivaid riike ning ettevõtteid muutuda konkurentsivõimelisemaks. EBRD majandusprognoos

  9. Two new octahedral/pyramidal frameworks containing both cation channels and lone-pair channels: syntheses and structures of Ba2MnIIMn2III(SeO3)6 and PbFe2(SeO3)4

    International Nuclear Information System (INIS)

    Johnston, Magnus G.; Harrison, William T.A.

    2004-01-01

    The hydrothermal syntheses, single crystal structures, and some properties of Ba 2 Mn II Mn 2 III (SeO 3 ) 6 and PbFe 2 (SeO 3 ) 4 are reported. These related phases contain three-dimensional frameworks of vertex (FeO 6 ) and vertex/edge linked (MnO 6 ) octahedra and SeO 3 pyramids. In each case, the MO 6 /SeO 3 framework encloses two types of 8 ring channels, one of which encapsulates the extra-framework cations and one of which provides space for the Se IV lone pairs. Crystal data: Ba 2 Mn 3 (SeO 3 ) 6 , M r =1201.22, monoclinic, P2 1 /c (No. 14), a=5.4717 (3)A, b=9.0636 (4)A, c=17.6586 (9)A, β=94.519 (1) o , V=873.03 (8)A 3 , Z=2, R(F)=0.031, wR(F 2 )=0.070; PbFe 2 (SeO 3 ) 4 , M r =826.73, triclinic, P1-bar (No. 2), a=5.2318 (5)A, b=6.7925 (6)A, c=7.6445 (7)A, α=94.300 (2) o , β=90.613 (2) o , γ=95.224 (2) o , V=269.73 (4)A 3 , Z=1, R(F)=0.051, wR(F 2 )=0.131

  10. 3D skin length deformation of lower body during knee joint flexion for the practical application of functional sportswear.

    Science.gov (United States)

    Choi, Jiyoung; Hong, Kyunghi

    2015-05-01

    With the advent of 3D technology in the design process, a tremendous amount of scanned data is available. However, it is difficult to trace the quantitative skin deformation of a designated location on the 3D body surface data during movement. Without identical landmarks or reflective markers, tracing the same reference points on the different body postures is not easy because of the complex shape change of the body. To find the least deformed location on the body, which is regarded as the optimal position of seams for the various lengths of functional compression pants, landmarks were directly marked on the skin of six subjects and scanned during knee joint flexion. Lines of non-extension (LoNE) and maximum stretch (LoMS) were searched for, both by tracing landmarks and newly drawn guidelines based on ratio division in various directions. Considering the waist as the anchoring position of the pants, holistic changes were quantified and visualized from the waistline in lengthwise and curvilinear deformation along the dermatomes of the lower body for various lengths of pants. Widthwise and unit area skin deformation data of the skin were also provided as guidelines for further use such as streamlined pants or design of other local wearing devices. Copyright © 2014 Elsevier Ltd and The Ergonomics Society. All rights reserved.

  11. An improved, simple, inexpensive and highly flexible hydroponic setup for root mitochondria isolation from arabidopsis and nicotiana pants

    International Nuclear Information System (INIS)

    Hameed, M. W.; Udddin, A.

    2015-01-01

    Hydroponic setups are frequently developed and improved as they are convenient platforms for studying whole plant physiology. Mostly, the available systems produce small amounts of plant material and are therefore, unsuitable for studies requiring large quantities of plant material like isolation of mitochondria. To address this issue, we have modified a hydroponic setup that can sustain hundreds of Arabidopsis and tobacco plants until adult plants are established. The setup is very flexible and easy to construct. It is based on the use of recyclable and sterilizable plastic-net-pots and media containers, which are easily available from the local suppliers. The modified seed-pots and styrofoam sheets facilitate the transfer and harvesting of seedlings. We have used the Percoll based two-step density gradient centrifugation method for the isolation of root mitochondria from the hydroponically grown plants. (author)

  12. Anthony Collins revisitado : deísmo, panteísmo y ateísmo en los tiempos modernos

    OpenAIRE

    Benítez, Miguel

    2007-01-01

    Con ocasión de la refutación de una interpretación reciente del pensamiento de Anthony Collins, fundada en presupuestos metodológicos erráticos y tributarios, en definitiva, de la concepción propia de los apologistas en tiempos de las Luces, este trabajo denuncia los abusos en la historiografía de los tiempos modernos de una mal llamada lectura entre líneas, que implica no el examen detenido del texto en su complejidad, sino el menosprecio de la letra, y pr...

  13. [Cardiovascular recovery during intermittent exercise in highly-adherent partic pants with hypertension and type 2 diabetes mellitus].

    Science.gov (United States)

    Cano-Montoya, Johnattan; Álvarez, Cristian; Martínez, Cristian; Salas, Andrés; Sade, Farid; Ramírez-Campillo, Rodrigo

    2016-09-01

    Despite the evidence supporting metabolic benefits of high intensity interval exercise (HIIT), there is little information about the cardiovascular response to this type of exercise in patients with type 2 diabetes (T2D) and hypertension (HTA). To analyze the changes in heart rate at rest, at the onset and at the end of each interval of training, after twelve weeks of a HIIT program in T2D and HTA patients. Twenty-three participants with T2D and HTA (20 women) participated in a controlled HIIT program. Fourteen participants attended 90% of more session of exercise and were considered as adherent. Adherent and non-adherent participants had similar body mass index (BMI), and blood pressure. A “1x2x10” (work: rest-time: intervals) HIIT exercise protocol was used both as a test and as training method during twelve weeks. The initial and finishing heart rate (HR) of each of the ten intervals before and after the intervention were measured. After twelve weeks of HIIT intervention, adherent participants had a significant reduction in the heart rate at the onset of exercise, and during intervals 4, 5, 8 and 10. A reduction in the final heart rate was observed during intervals 8 and 10. In the same participants the greatest magnitude of reduction, at the onset or end of exercise was approximately 10 beats/min. No significant changes in BMI, resting heart rate and blood pressure were observed. A HIIT program reduces the cardiovascular effort to a given work-load and improves cardiovascular recovery after exercise.

  14. Abnormal atrial activation in young patients with lone atrial fibrillation

    DEFF Research Database (Denmark)

    Holmqvist, Fredrik; Olesen, Morten S; Tveit, Arnljot

    2011-01-01

    Patients with a history of atrial fibrillation (AF) have previously been shown to have altered atrial conduction, as seen non-invasively using signal-averaged P-wave analysis. However, little is known about the P-wave morphology in patients in the early phases of AF with structurally normal hearts....

  15. Only, Not Lonely: Reflections of an Only Child

    Science.gov (United States)

    Zimmerman, Libby

    2006-01-01

    Libby Zimmerman, an early childhood consultant, explores the negative stereotypes of only children and reflects on her experiences being an only child and raising an only child. Despite decades of research pointing to the contrary, there is still a lingering suspicion that only children are spoiled, asocial, and maladjusted. The author traces the…

  16. Sutter Buttes-the lone volcano in California's Great Valley

    Science.gov (United States)

    Hausback, Brain P.; Muffler, L.J. Patrick; Clynne, Michael A.

    2011-01-01

    The volcanic spires of the Sutter Buttes tower 2,000 feet above the farms and fields of California's Great Valley, just 50 miles north-northwest of Sacramento and 11 miles northwest of Yuba City. The only volcano within the valley, the Buttes consist of a central core of volcanic domes surrounded by a large apron of fragmental volcanic debris. Eruptions at the Sutter Buttes occurred in early Pleistocene time, 1.6 to 1.4 million years ago. The Sutter Buttes are not part of the Cascade Range of volcanoes to the north, but instead are related to the volcanoes in the Coast Ranges to the west in the vicinity of Clear Lake, Napa Valley, and Sonoma Valley.

  17. Vatican is lone opponent of world conference's compromises on abortion.

    Science.gov (United States)

    1994-09-07

    Three years in the making, the draft program of action of the 1994 International Conference on Population and Development sets nonbinding policy guidelines to contain the world's population at 7.27 billion in 2015. Although the Vatican was pleased to see Pakistan put forward a compromise formula developed to appease Catholic and Muslim objectors of abortion, the Church was unprepared to accept the compromise immediately and requested further discussion. The Vatican's rejection drew a strong chorus of vocal disapproval from other conference delegates. Even Iran accepted the draft as a "perfect text," while Sweden grudgingly accepted it as a "rock-bottom compromise." With no Catholic countries objecting to the compromise, the Vatican stood alone in its refusal to compromise with the rest of the world's leaders and peoples. Germany, speaking for the European Union, warned that enough concessions had already been made. The rationale for Vatican opposition was unclear since the section explicitly rejects abortion as a means of family planning and urges countries to minimize both the incidence of unsafe abortion and abortion overall by improving family planning. Prevention of unwanted pregnancies must be given highest priority and women should have ready access to compassionate counselling, with abortion never promoted as a means of family planning. Moreover, there is no longer a reference to sexual health education, a plea to governments to review their laws and policies on abortion, and a call to consider women's health rather than relying upon criminal codes and punitive measures. Participants said the Vatican objected to a phrase stating that abortions, where legal, should be safe, while the Church representative argued that any suggestion that abortion is safe contradicts church doctrine on the sanctity of life.

  18. The Tuskegee Airmen: Combat Motivation of the Lonely Eagles

    Science.gov (United States)

    2010-03-01

    officer with a political agenda – when struggling against racism , Davis‟ influence within the War Department was critical to the continuation of the...accuracy” of the movie. 37 Furthermore, many have picked up on, and regurgitated, the film ‟s underlying messages of “motivation from the need to...Airmen, DVD. 37 Ella, The Tuskegee Airmen, online film review. 13

  19. Lonely planet: affect and authenticity in guidebooks of Cuba

    OpenAIRE

    Ogden, Rebecca

    2017-01-01

    Record numbers of international visitors to Cuba in recent years amidst dramatic political and economic shifts have reinforced the island's reputation as a destination to visit urgently, ‘before it changes’. In foregrounding a normalised framework of affect and authenticity and directing tourists towards intimate experiences and encounters, bestselling English-language guidebooks contribute towards a selective interpretation of Cuba and of Cubans. However, their recommendations obscure the wo...

  20. Hot Jupiters Aren't As Lonely As We Thought

    Science.gov (United States)

    Kohler, Susanna

    2016-01-01

    The Friends of Hot Jupiters (FOHJ) project is a systematic search for planetary- and stellar-mass companions in systems that have known hot Jupiters short-period, gas-giant planets. This survey has discovered that many more hot Jupiters may have companions than originally believed.Missing FriendsFOHJ was begun with the goal of better understanding the systems that host hot Jupiters, in order to settle several longstanding issues.The first problem was one of observational statistics. We know that roughly half of the Sun-like stars nearby are in binary systems, yet weve only discovered a handful of hot Jupiters around binaries. Are binary systems less likely to host hot Jupiters? Or have we just missed the binary companions in the hot-Jupiter-hosting systems weve seen so far?An additional issue relates to formation mechanisms. Hot Jupiters probably migrated inward from where they formed out beyond the ice lines in protoplanetary disks but how?This median-stacked image, obtained with adaptive optics, shows one of the newly-discovered stellar companions to a star hosting a hot Jupiter. The projected separation is ~180 AU. [Ngo et al. 2015]Observations reveal two populations of hot Jupiters: those with circular orbits aligned with their hosts spins, and those with eccentric, misaligned orbits. The former population support a migration model dominated by local planet-disk interactions, whereas the latter population suggest the hot Jupiters migrated through dynamical interactions with distant companions. A careful determination of the companion rate in hot-Jupiter-hosting systems could help establish the ability of these two models to explain the observed populations.Search for CompanionsThe FOHJ project began in 2012 and studied 51 systems hosting known, transiting hot Jupiters with roughly half on circular, aligned orbits and half on eccentric, misaligned orbits. The survey consisted of three different, complementary components:Study 1Lead author: Heather Knutson (Caltech)Technique: Long-term radial velocity monitoringSearching for: Planetary companions at 120 AU from the starStudy 2Lead author: Henry Ngo (Caltech)Technique: Adaptive-optics imagingSearching for: Stellar companions at 502000 AU from the starStudy 3Lead author: Danielle Piskorz (Caltech)Technique: SpectroscopySearching for: Any additional stellar companions at 125 AU from the starThe companion fraction found within Study 2, the adaptive-optics imagine search. The three curves show the total, the systems with hot Jupiters on aligned and circular orbits, and those with hot Jupiters on misaligned and eccentric orbits. [Ngo et al. 2015]Migration ImplicationsUsing these three different techniques, the team found a significant number of both planetary and stellar companions that had not been previously detected. After correcting their results for completeness, they found a multiple-star rate of ~50% for these systems, resolving the problem of the missing companions. So really, we just werent looking hard enough for the companions previously.Intriguingly, the binary companion rate found for these hot Jupiter systems is higher than the average rate for the field stars (which is below 25% for the semimajor-axis range the FOHJ studies are sensitive to). This suggests that companion stars may indeed play a role in hot Jupiter formation and migration.That said, none of the three studies found a significant difference in the binary fraction for aligned versus misaligned hot Jupiters which means that the answer is not as simple as thought, with companion stars causing the misaligned planets. Thus, while hot Jupiters friends may play a role in their formation and migration, we still have work to do in understanding what that role is.CitationDanielle Piskorz et al 2015 ApJ 814 148. doi:10.1088/0004-637X/814/2/148Henry Ngo et al 2015 ApJ 800 138. doi:10.1088/0004-637X/800/2/138Heather A. Knutson et al 2014 ApJ 785 126. doi:10.1088/0004-637X/785/2/126

  1. a Faint and Lonely Brown Dwarf in the Solar Vicinity

    Science.gov (United States)

    1997-04-01

    Discovery of KELU-1 Promises New Insights into Strange Objects Brown Dwarfs are star-like objects which are too small to become real stars, yet too large to be real planets. Their mass is too small to ignite those nuclear processes which are responsible for the large energies and high temperatures of stars, but it is much larger than that of the planets we know in our solar system. Until now, very few Brown Dwarfs have been securely identified as such. Two are members of double-star systems, and a few more are located deep within the Pleiades star cluster. Now, however, Maria Teresa Ruiz of the Astronomy Department at Universidad de Chile (Santiago de Chile), using telescopes at the ESO La Silla observatory, has just discovered one that is all alone and apparently quite near to us. Contrary to the others which are influenced by other objects in their immediate surroundings, this new Brown Dwarf is unaffected and will thus be a perfect object for further investigations that may finally allow us to better understand these very interesting celestial bodies. It has been suggested that Brown Dwarfs may constitute a substantial part of the unseen dark matter in our Galaxy. This discovery may therefore also have important implications for this highly relevant research area. Searching for nearby faint stars The story of this discovery goes back to 1987 when Maria Teresa Ruiz decided to embark upon a long-term search (known as the Calan-ESO proper-motion survey ) for another type of unusual object, the so-called White Dwarfs , i.e. highly evolved, small and rather faint stars. Although they have masses similar to that of the Sun, such stars are no larger than the Earth and are therefore extremely compact. They are particularly interesting, because they most probably represent the future end point of evolution of our Sun, some billions of years from now. For this project, the Chilean astronomer obtained large-field photographic exposures with the 1-m ESO Schmidt telescope at La Silla, each covering a sky area of 5 o.5 x 5 o.5. When comparing plates of the same sky field obtained at time intervals of several years [1] , she was able to detect, among the hundreds of thousands of stellar images on the plates, a few faint ones whose positions had changed a little in the meantime. The search technique is based on the fact that such a shift is a good indicator of the object being relatively nearby. It must therefore also be intrinsically faint, i.e. a potential White Dwarf candidate. On every pair of plates, approximately twenty faint moving objects were detected with proper motions [2] of more than 0.25 arcsec per year. Indeed, follow-up spectroscopic observations showed that about 20 percent of these or about four per plate were White Dwarfs. Until now, a total of forty new White Dwarfs have been discovered during this very successful project, i.e. over ten times more than originally expected. And then - a Brown Dwarf! Caption to ESO PR Photo 11/97 [JPEG, 144k] ESO Press Photo 11/97 When checking two plates with a time inverval of 11 years, Maria Teresa Ruiz earlier this year discovered a very faint object in the southern constellation of Hydra (The Water-Snake), moving at 0.35 arcsec per year (cf. ESO Press Photo 11/97). In order to establish its true nature, she obtained its spectrum (in the visual to near-infrared region from wavelengths 450-1000 nm) on March 15 using the ESO 3.6-m telescope and the EFOSC1 spectrograph. Caption to ESO PR Photo 12/97 [GIF, 35k] ESO Press Photo 12/97 To her great surprise, the spectrum was of a type never seen before and certainly not that of a White Dwarf or any other easily identifiable type of star (cf. ESO Press Photo 12/97). In particular, there were no signs of spectral bands of titanium oxide (TiO) or vanadium oxide (VO) which are common in very cool stars, nor of the spectral lines seen in White Dwarfs. On the other hand, an absorption line of the short-lived element lithium was identified, as well as a hydrogen line in emission. However, when the colour of this mysterious object was measured in different wavebands, it was found to be very red and quite similar to that of one of the two known Brown Dwarfs in double star systems. The presence of the lithium line in the spectrum is also an indication that it might be of that type. The astronomer now decided to give the new object the name KELU-1 ; this word means `red' in the language of the Mapuche people, the ancient population in the central part of Chile. Its visual magnitude is 22.3, i.e. more than 3 million times fainter than what can be seen with the unaided eye. In early April, additional infrared observations with the UKIRT (UK Infrared Telescope) on Mauna Kea (Hawaii) by Sandra K. Leggett (Joint Astrophysical Centre, Hilo, Hawaii, USA) confirmed the Brown Dwarf nature of KELU-1, in particular through the unambiguous detection of Methane (CH 4 ) bands in its spectrum. The nature of Brown Dwarfs Brown Dwarfs are first of all characterised by their low mass. When a body of such a small mass is formed in an interstellar cloud and subsequently begins to contract, its temperature at the centre will rise, but it will never reach a level that is sufficient to ignite the nuclear burning of hydrogen to helium, the process that it is main source of energy in the Sun and most other stars. The Brown Dwarf will just continue to contract, more and more slowly, and it will eventually fade from view. This is also the reason that some astronomers consider Brown Dwarfs in the Milky Way and other galaxies as an important component of the `dark matter' whose presence is infered from other indirect measurements but has never been directly observed. It is assumed that the mass limit that separates nuclear-burning stars and slowly contracting Brown Dwarfs is at about 90 times the mass of the giant planet Jupiter, or 8 percent of that of the Sun. KELU-1: a great opportunity for Brown Dwarf studies Assuming that KELU-1 is identical to other known Brown Dwarfs, its measured characteristics indicate that it must be located at a distance of only 10 parsecs, that is about 33 light-years, from the solar system. Its temperature is obviously below 1700 degrees C (where TiO and VO condense as dust grains [3] so that the spectral lines of these molecules are no longer seen). Its mass can be no more than 75 times that of Jupiter, or 6 percent of that of the Sun. During recent years, several Brown Dwarf candidates have been de-masked as low-mass stars and only recently a few Brown Dwarfs were identified in the Pleiades star cluster. Those Brown Dwarfs are quite young and therefore comparatively hotter and brighter. Contrarily, KELU-1 is most probably somewhat older and its unique location so close to us greatly facilitates future investigations. Moreover, it is not at all `disturbed' by the presence of other objects in its immediate surroundings, as this is the case for all other known objects of this type. It will now be important to obtain accurate measurements of KELU-1's parallax , that is, the small annual change of its position in the sky that is caused by the Earth's motion around the Sun and thus the viewing angle of an Earth-based observer. This should be possible within the next year. Moreover, high resolution spectral investigations with large telescope facilities, soon to include the ESO Very Large Telescope at the Paranal observatory in northern Chile, will now for the first time enable us to investigate the processes that take place in the relatively cold upper layers of Brown Dwarfs. For instance, the observed presence of lithium shows that its atmosphere must be different from that of low-mass stars. KELU-1 and the `Dark Matter' From the fact that KELU-1 is so faint that it was barely detectable on the ESO Schmidt plates, it is possible to estimate that the total volume so far surveyed for this type of objects by this research programme is rather small, only about 23 cubic parsecs (800 cubic light-years). A further consideration of the search statistics indicates that less than 10 percent of the Brown Dwarfs present in the surveyed volume would have been found. This translates into a local density of about 0.4 such objects per cubic parsec. Although the mass density of Brown Dwarfs derived from this estimate is insufficient to constitute all the `dark matter' in the Milky Way Galaxy, it is consistent with the most recent estimates of the local mass density, both observed and as infered from dynamical considerations of the motions of stars in the solar neighborhood. Notes: [1] This is done by means of a so-called blink-comparator , an optical device in which the two plates are placed. A tilting mirror allows to view the same sky field alternately on the two plates. Any celestial object that has changed its position will appear to `jump' back and forth and can thus be identified. [2] A proper motion in the sky of 0.25 arcsec/year corresponds to a transversal speed of about 12 km/sec if the object is located at a distance of 10 parsec, or 32.6 light-years. The largest known proper motion of an object outside the solar system is that of Barnard's Star at about 10 arcsec/year. [3] For instance, as the mineral perovskite . How to obtain ESO Press Information ESO Press Information is made available on the World-Wide Web (URL: http://www.eso.org../). ESO Press Photos may be reproduced, if credit is given to the European Southern Observatory.

  2. Trends in the Development of Mortgage Lending in Ukraine Тенденци�� развития ипотечного кредитования в Украине

    Directory of Open Access Journals (Sweden)

    Vanin Anton О.

    2012-05-01

    Full Text Available The article deals with the formation and the current state of mortgage lending in Ukraine, prospects of development of housing mortgages, especially mortgage lending around the world. The critical factors which are integral factors in determining the risks of insolvency of the borrower.В статье раскрывается формирование и нынешнее состояние ипотечного кредитования в Украине, перспективы развития ипотеки жилья, особенности ипотечного кредитования в разных странах мира. Исследованы критические факторы, которые являются неотъемлемыми факторами при определении рисков, связанных с неплатежеспособностью заемщика.

  3. 76 FR 20799 - Intermediary Lending Pilot Program Meeting

    Science.gov (United States)

    2011-04-13

    ... Pilot (ILP) program established by the Small Business Jobs Act of 2010. The meetings will be open to the... holding open meetings to discuss the ILP program established in the Small Business Jobs Act of 2010 (Pub... program public meeting, please contact: 1. San Francisco--Steve Bangs, (415) 744-6792, fax (415) 744-6812...

  4. Internal capital markets and lending by multinational bank subsidiaries

    NARCIS (Netherlands)

    De Haas, Ralph; van Lelyveld, Iman

    We use new panel data on the intra-group ownership structure and the balance sheets of 45 of the largest multinational bank holdings to analyze what determines the credit growth of their subsidiaries. We find evidence for the existence of internal capital markets through which multinational banks

  5. Lending a helping hand: toward novel assistive robotic arms

    NARCIS (Netherlands)

    Groothuis, Stefan; Stramigioli, Stefano; Carloni, Raffaella

    Assistive robotics is an increasingly popular research field, which has led to a large number of commercial and noncommercial systems aimed at assisting physically impaired or elderly users in the activities of daily living. In this article, we propose five criteria based on robotic arm usage

  6. The National Credit Act Regarding Suretyships and Reckless Lending

    African Journals Online (AJOL)

    In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...

  7. 75 FR 58539 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    ... one-on-one cognitive interviews. The goals of these interviews were to learn more about what... organization and structure of required disclosures to reduce complexity and information overload. 1. Rescission..., four rounds of one-on-one cognitive interviews with a total of 39 participants were conducted in...

  8. Logistika roll innovatsiooni juhtimises / Enno Lend, Valev Reinhold

    Index Scriptorium Estoniae

    Lend, Enno

    2004-01-01

    Nii logistika kui innovatsioon on suunatud konkurentsieelise saavutamisele: kui innovatsiooni probleemiks on, missuguseid väärtuslikke uuendusi inimestele nende vajaduste rahuldamiseks luua/pakkuda, siis logistikas otsitakse vastust küsimusele, kuidas selleks võimalikult efektiivsemalt ressursse kasutada. Skeemid

  9. A review of World Bank lending for electric power

    International Nuclear Information System (INIS)

    Munasinghe, M.; Gilling, J.; Mason, M.

    1989-01-01

    This retrospective study was carried out to review power projects financed by the Bank from 1965 to 1983. The main objectives of the study were to: (1) assess the performance of power projects and institutions in terms of key physical and financial indicators, and adherence to loan covenants; (2) assess sector performance in terms of the increase in access to service, and service price, quality, and cost; (3) identify issues and causal factors relating to good or poor performance; and (4) determine options and make recommendations to improve project and sector performance

  10. 7 CFR 1940.401 - Truth in lending.

    Science.gov (United States)

    2010-01-01

    ...) Annual percentage rate; (ii) Finance charge; (iii) Amount financed; (iv) Total of payments; (v) Total... purchase, acquisition or initial construction of a residence, require new credit disclosure before the... initial construction of and which result in a mortgage on an individual's principal residence, such as RH...

  11. Machine learning application in online lending risk prediction

    OpenAIRE

    Yu, Xiaojiao

    2017-01-01

    Online leading has disrupted the traditional consumer banking sector with more effective loan processing. Risk prediction and monitoring is critical for the success of the business model. Traditional credit score models fall short in applying big data technology in building risk model. In this manuscript, data with various format and size were collected from public website, third-parties and assembled with client's loan application information data. Ensemble machine learning models, random fo...

  12. Sex and Credit : Is There A Gender Bias In Lending?

    NARCIS (Netherlands)

    Beck, T.H.L.; Behr, P.; Madestam, A.

    2012-01-01

    Abstract: We exploit the quasi-random assignment of borrowers to loan officers using data from a large Albanian lender to show that own-gender preferences affect both credit supply and demand. Borrowers matched to officers of the opposite gender are less likely to return for a second loan. The

  13. Avian genomics lends insights into endocrine function in birds.

    Science.gov (United States)

    Mello, C V; Lovell, P V

    2018-01-15

    The genomics era has brought along the completed sequencing of a large number of bird genomes that cover a broad range of the avian phylogenetic tree (>30 orders), leading to major novel insights into avian biology and evolution. Among recent findings, the discovery that birds lack a large number of protein coding genes that are organized in highly conserved syntenic clusters in other vertebrates is very intriguing, given the physiological importance of many of these genes. A considerable number of them play prominent endocrine roles, suggesting that birds evolved compensatory genetic or physiological mechanisms that allowed them to survive and thrive in spite of these losses. While further studies are needed to establish the exact extent of avian gene losses, these findings point to birds as potentially highly relevant model organisms for exploring the genetic basis and possible therapeutic approaches for a wide range of endocrine functions and disorders. Copyright © 2017 Elsevier Inc. All rights reserved.

  14. ASPECTS REGARDING THE MECHANISM OF BANK LENDING FOR INDIVIDUALS

    Directory of Open Access Journals (Sweden)

    David Delia

    2012-01-01

    Full Text Available The crediting transactions are very important within the intermediation activity which the commercial banks perform and these represent at the same time the main asset transactions. The manner of approach of this activity differs depending on the type of the client who can be an individual, a legal entity or a credit institution. We aim at emphasizing aspects related to the loans granted to individuals by commercial banks and especially at underlining the importance of the choice regarding the risk evaluation method when analyzing the credit file. In regards to the research methodology, we used the descriptive method. We conducted a qualitative research based on the observation of some aspects, as well as a quantitative one. The conclusions of the achieved study are presented at the end of this paper.

  15. Saage tuttavaks - EMTA lavakunstikooli 25. lend! / Anu Lamp

    Index Scriptorium Estoniae

    Lamp, Anu, 1958-

    2010-01-01

    Eesti Muusika- ja Teatriakadeemia Lavakunstikooli 25. lennu tutvustus. 4. dets. esietendub Tallinna Linnateatris 25. lennu bakalauruselavastus "Jumala Narride Vennaskond". Lavastaja ja kunstnik Elmo Nüganen. Inglise näitekirjaniku Peter Barnesi loomingust ja näidendist "Jumala Narride Vennaskond" ("Red Noses")

  16. WB to Lend $441m for Energy Efficiency in China

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    @@ The World Bank (WB) has approved loans of $441 million to improve energy efficiency and reduce emissions from power plants in China. The loans, which account for almost one third of planned loans for China in fiscal 2008, would go to three projects, according to the lender.The energy efficiency project, co-financed by the WB and the Global Environment Facility (GEF), would get a loan of $200 million. The project, which would also receive a grant of 13.5 million U.S. dollars from the GEF, aims to boost large-scale loans for energy efficiency programs in China. China's commercial banks are also reported to participate in the project, such as the Export-Import Bank of China and Huaxia Bank, to offer loans ranging from 5 million to 10 million U. S. dollars for energy conservation projects, especially in heavy industries.

  17. 76 FR 43111 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2011-07-20

    ... Appeals for the District of Columbia Circuit entered an administrative stay to temporarily delay... March 31, 2011, the United States Court of Appeals for the District of Columbia Circuit issued an... the Court's order had on mandatory compliance date. List of Subjects in 12 CFR Part 226 Advertising...

  18. LENDING PROJECT IMPACT ON AGRICULTURAL INDIVIDUAL SECTOR DEVELOPMENT IN MOLDOVA

    Directory of Open Access Journals (Sweden)

    Aurelia LITVIN

    2014-04-01

    Full Text Available Economic development within rural areas of the Republic of Moldova is affected by multiple issues which cross the agricultural individual sector development. One of the main factors that would influence positively the development of agriculture is investment. Investment plays an important role on the country's economy, representing the material support of its economic and social development. It ensures the permanent capital increase, advances the technical and economic efficiency of existing ones and creates new places of employment. In this context, investment is the decisive element of economic growth, of the intensive, qualitative and effective factors promotion.

  19. 78 FR 76033 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-12-16

    ... Regulation Z implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act..., Consumer protection, Credit, Credit unions, Mortgages, National banks, Reporting and recordkeeping... Rules Applicable to Credit Card Accounts and Open End Credit Offered to College Students 0 2. Section...

  20. Interest rate and commercial banks' lending operations in Nigeria: A ...

    African Journals Online (AJOL)

    It was found that Monetary Policy Rate (MPR) and inflation rate exert a positive and significant impact on banks' loans for the period. For the deregulation era, the result showed that MPR and the exchange rate had significant impact on banks' loans and advances. While the former exerted a negative impact, the later had a ...