WorldWideScience

Sample records for lending pilot program

  1. 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...

  2. 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...

  3. 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.

  4. 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...

  5. 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.

  6. 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…

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

    NARCIS (Netherlands)

    Hermes, N; Lensink, R; Mehrteab, HT

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

  8. 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.

  9. 48 CFR 212.7002 - Pilot program.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Pilot program. 212.7002... OF DEFENSE ACQUISITION PLANNING ACQUISITION OF COMMERCIAL ITEMS Pilot Program for Transition to Follow-On Contracting After Use of Other Transaction Authority 212.7002 Pilot program. ...

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

    Science.gov (United States)

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

    2015-02-01

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

  11. 49 CFR 381.400 - What is a pilot program?

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 5 2010-10-01 2010-10-01 false What is a pilot program? 381.400 Section 381.400... PILOT PROGRAMS Initiation of Pilot Programs § 381.400 What is a pilot program? (a) A pilot program is a... that would be subject to the regulations. (b) During a pilot program, the participants would be given...

  12. 38 CFR 21.5290 - Educational Assistance Pilot Program.

    Science.gov (United States)

    2010-07-01

    ... Pilot Program. 21.5290 Section 21.5290 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS... Assistance Under 38 U.S.C. Chapter 32 Educational Assistance Pilot Program § 21.5290 Educational Assistance Pilot Program. (a) Purpose. The Educational Assistance Pilot Program is designed to encourage...

  13. 28 CFR 11.2 - Pilot program.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Pilot program. 11.2 Section 11.2 Judicial... Pilot program. The Assistant Attorney General for Administration, in consultation with the Executive Office for United States Attorneys, shall designate the districts that will participate in the pilot...

  14. 75 FR 80561 - Community Express Pilot Program

    Science.gov (United States)

    2010-12-22

    ... SMALL BUSINESS ADMINISTRATION Community Express Pilot Program AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of short-term extension and termination of the Community Express Pilot Program. SUMMARY: This notice announces the termination of the Community Express Pilot Program following a...

  15. 77 FR 58208 - Airport Privatization Pilot Program

    Science.gov (United States)

    2012-09-19

    ... Privatization Pilot Program AGENCY: Federal Aviation Administration (FAA), DOT. ACTION: Notice of receipt of... International Airport, San Juan, Puerto Rico (SJU) in the Airport Privatization Pilot Program and has determined....S.C. Section 47134 establishes an airport privatization pilot program and authorizes the Department...

  16. 75 FR 473 - Community Express Pilot Program

    Science.gov (United States)

    2010-01-05

    ... SMALL BUSINESS ADMINISTRATION Community Express Pilot Program AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of extension of the Community Express Pilot Program. SUMMARY: This notice extends the Community Express Pilot Program in its current form through December 31, 2010. Based upon the...

  17. 75 FR 1591 - Green Technology Pilot Program

    Science.gov (United States)

    2010-01-12

    ... DEPARTMENT OF COMMERCE Patent and Trademark Office Green Technology Pilot Program ACTION: Proposed... methods: E-mail: [email protected] . Include A0651-0062 Green Technology Pilot Program [email protected] in... (USPTO) is implementing a streamlined examination pilot program for patent applications pertaining to...

  18. 78 FR 50399 - Spectrum Monitoring Pilot Program

    Science.gov (United States)

    2013-08-19

    ... 130809703-3703-01] RIN 0660-XC007 Spectrum Monitoring Pilot Program AGENCY: National Telecommunications and... National Telecommunications and Information Administration (NTIA) to design and conduct a pilot program to... investment for a two-year pilot program to determine the benefits of an automated spectrum measurement and...

  19. 75 FR 64692 - Green Technology Pilot Program

    Science.gov (United States)

    2010-10-20

    ... DEPARTMENT OF COMMERCE Patent and Trademark Office Green Technology Pilot Program ACTION: Proposed...- 0062 Green Technology Pilot Program comment'' in the subject line of the message. Fax: 571-273-0112... United States Patent and Trademark Office (USPTO) implemented a pilot program on December 8, 2009, that...

  20. 75 FR 68018 - Airport Privatization Pilot Program

    Science.gov (United States)

    2010-11-04

    ... Privatization Pilot Program AGENCY: Federal Aviation Administration (FAA), DOT. ACTION: Notice of Receipt and... preliminary application for participation in the airport privatization pilot program received under 49 U.S.C... final application to the FAA for exemption under the pilot program. 49 U.S.C. Section 47134 establishes...

  1. 75 FR 39091 - Airport Privatization Pilot Program

    Science.gov (United States)

    2010-07-07

    ... Privatization Pilot Program AGENCY: Federal Aviation Administration (FAA), DOT. ACTION: Notice of Receipt and... application for participation in the airport privatization pilot program received under 49 U.S.C. 47134. The... application to the FAA for exemption under the pilot program. 49 U.S.C. 47134 establishes an airport...

  2. 77 FR 67433 - Community Advantage Pilot Program

    Science.gov (United States)

    2012-11-09

    ... comments. SUMMARY: The Community Advantage (``CA'') Pilot Program is a pilot program to increase SBA... small businesses and entrepreneurs in underserved markets, SBA is issuing this Notice to extend the term... Pilot Program was introduced to increase the number of SBA-guaranteed loans made to small businesses in...

  3. 76 FR 56262 - Community Advantage Pilot Program

    Science.gov (United States)

    2011-09-12

    ... SMALL BUSINESS ADMINISTRATION [Docket No. SBA 2011-0003] Community Advantage Pilot Program AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of change to Community Advantage Pilot... Community Advantage Pilot Program. In that notice, SBA modified or waived as appropriate certain regulations...

  4. 76 FR 7098 - Dealer Floor Plan Pilot Program

    Science.gov (United States)

    2011-02-09

    ... Plan Pilot Program AGENCY: U.S. Small Business Administration (SBA). ACTION: Program implementation with request for comments. SUMMARY: SBA is introducing a new Dealer Floor Plan Pilot Program to make... Plan Pilot Program was created in the Small Business Jobs Act of 2010. Under the new Dealer Floor Plan...

  5. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

    ... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S.... SUMMARY: This notice announces the extension of SBA's GO Loan Pilot, with modifications, until December 31... processing available through the GO Loan Pilot to small businesses in the eligible parishes/counties through...

  6. 78 FR 43263 - Paperless Hazard Communications Pilot Program

    Science.gov (United States)

    2013-07-19

    .... PHMSA-2013-0124, Notice No. 13-7] Paperless Hazard Communications Pilot Program AGENCY: Pipeline and...: PHMSA invites volunteers for a pilot program to evaluate the effectiveness of paperless hazard communications systems and comments on an information collection activity associated with the pilot program...

  7. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

    ... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S...'s GO Loan Pilot until September 30, 2011. Due to the scope and magnitude of the devastation to... streamlined and centralized loan processing available through the GO Loan Pilot to small businesses in the...

  8. 75 FR 39090 - Airport Privatization Pilot Program

    Science.gov (United States)

    2010-07-07

    ... Privatization Pilot Program AGENCY: Federal Aviation Administration (FAA), DOT. ACTION: Notice of Receipt and... pilot program received under 49 U.S.C. Section 47134. The preliminary application is accepted for review... operator, negotiate an agreement and submit a final application to the FAA for exemption under the pilot...

  9. 48 CFR 1819.7208 - Award Fee Pilot Program.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Award Fee Pilot Program... Pilot Program. (a) Mentors will be eligible to earn a separate award fee associated with the provision... related to the mentor-protégé relationship. (d) The Award Fee Pilot Program is an addition to the credit...

  10. HUD PowerSaver Pilot Loan Program

    Energy Technology Data Exchange (ETDEWEB)

    Zimring, Mark [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Hoffman, Ian [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

    2010-12-10

    The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program is not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.

  11. PILOT: A Programming Language for Beginners.

    Science.gov (United States)

    Schnorr, Janice M.

    The presentation describes PILOT (Programmed Inquiry, Learning or Teaching), a special programing language easy for beginners to learn and available for several brands of microcomputers. PILOT is explained to contain substantially fewer commands than most other languages and to be written in an easy to understand manner. Edit commands and their…

  12. ISO New England: Results of Ancillary Service Pilot Programs, Alternative Technology Regulation Pilot Program and Demand Response Reserves Pilot Program

    Energy Technology Data Exchange (ETDEWEB)

    Lowell, Jon [ISO New England, Holyoke, MA (United States); Yoshimura, Henry [ISO New England, Holyoke, MA (United States)

    2011-10-26

    This PowerPoint presentation compares performance of pilot program assets and generation resources in alternative technology regulation and demand response reserves for flywheels and residential electric thermal storage.

  13. 78 FR 24293 - Pilot Program on NAFTA Trucking Provisions

    Science.gov (United States)

    2013-04-24

    ...-0097] Pilot Program on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration... in the Agency's long-haul pilot program to test and demonstrate the ability of Mexico- domiciled... cross-border long-haul trucking pilot program to test and demonstrate the ability of Mexico-domiciled...

  14. 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...

  15. 77 FR 12356 - Pilot Program on NAFTA Trucking Provisions

    Science.gov (United States)

    2012-02-29

    ...-0097] Pilot Program on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration... that applied to participate in the Agency's long-haul pilot program to test and demonstrate the ability... cross-border long-haul trucking pilot program to test and demonstrate the ability of Mexico-domiciled...

  16. 78 FR 25525 - Pilot Program on NAFTA Trucking Provisions

    Science.gov (United States)

    2013-05-01

    ...-0097] Pilot Program on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration..., which applied to participate in the Agency's long-haul pilot program to test and demonstrate the ability... long-haul trucking pilot program to test and demonstrate the ability of Mexico-domiciled motor carriers...

  17. 77 FR 27837 - Pilot Program on NAFTA Trucking Provisions

    Science.gov (United States)

    2012-05-11

    ...-0097] Pilot Program on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration... carriers that applied to participate in the Agency's long- haul pilot program to test and demonstrate the... intent to proceed with the initiation of a U.S.-Mexico cross-border long-haul trucking pilot program to...

  18. 76 FR 22412 - Fellowship Placement Pilot Program Requests for Expressions of Interests To Administer Pilot...

    Science.gov (United States)

    2011-04-21

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5514-C-02] Fellowship Placement Pilot Program Requests for Expressions of Interests To Administer Pilot Contact Information Correction AGENCY... published a notice announcing HUD's proposal to conduct a Fellowship Placement Pilot (fellowship program...

  19. 78 FR 2256 - Extension of the Extended Missing Parts Pilot Program

    Science.gov (United States)

    2013-01-10

    ...] Extension of the Extended Missing Parts Pilot Program AGENCY: United States Patent and Trademark Office... pilot program (Extended Missing Parts Pilot Program) in which an applicant, under certain conditions... nonprovisional application. The Extended Missing Parts Pilot Program benefits applicants by permitting additional...

  20. 77 FR 6619 - Community Advantage Pilot Program

    Science.gov (United States)

    2012-02-08

    ... access to capital for small businesses and entrepreneurs in underserved markets, SBA is issuing this... (``CA Pilot Program'') (76 FR 9626). The CA Pilot Program was introduced to increase SBA-guaranteed... small businesses and entrepreneurs in underserved markets, SBA is issuing this Notice to revise several...

  1. 36 CFR 223.275 - Establishment of a pilot program.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 2 2010-07-01 2010-07-01 false Establishment of a pilot... Establishment of a pilot program. This subpart governs the Forest Service's pilot program for the disposal of... of Title III of H.R. 3423)), as amended in 2004 by Section 335 of Public Law 108-108. The pilot...

  2. 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...

  3. 77 FR 18793 - Spectrum Sharing Innovation Test-Bed Pilot Program

    Science.gov (United States)

    2012-03-28

    .... 120322212-2212-01] Spectrum Sharing Innovation Test-Bed Pilot Program AGENCY: National Telecommunications... Innovation Test-Bed pilot program to assess whether devices employing Dynamic Spectrum Access techniques can... Spectrum Sharing Innovation Test-Bed (Test-Bed) pilot program to examine the feasibility of increased...

  4. 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...

  5. 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.

  6. Agile Web Pilot Program

    National Research Council Canada - National Science Library

    Lang, Mark

    1997-01-01

    ... in an increasingly competitive global marketplace. The pilot program allowed 18 small and medium sized enterprises to experiment with new agile business practices in competitive manufacturing environments by forming virtual organizations within...

  7. 77 FR 40938 - Pilot Program on NAFTA Trucking Provisions

    Science.gov (United States)

    2012-07-11

    ...-0097] Pilot Program on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration... Morales Guevara (DBA Fletes Morales) which applied to participate in the Agency's long-haul pilot program...] its intent to proceed with the initiation of a U.S.-Mexico cross-border long-haul trucking pilot...

  8. 38 CFR 3.161 - Expedited Claims Adjudication Initiative-Pilot Program.

    Science.gov (United States)

    2010-07-01

    ... Adjudication Initiative-Pilot Program. 3.161 Section 3.161 Pensions, Bonuses, and Veterans' Relief DEPARTMENT... Claims § 3.161 Expedited Claims Adjudication Initiative—Pilot Program. Rules pertaining to the Expedited Claims Adjudication Initiative Pilot Program are set forth in part 20, subpart P, of this chapter...

  9. 78 FR 29117 - After Final Consideration Pilot Program 2.0

    Science.gov (United States)

    2013-05-17

    ...] After Final Consideration Pilot Program 2.0 AGENCY: United States Patent and Trademark Office, Commerce... Final Consideration Pilot Program (AFCP) to create the After Final Consideration Pilot Program 2.0 (AFCP....0 to consider the response. If the examiner's consideration of a proper AFCP 2.0 request and...

  10. 76 FR 50715 - Briefing on Partner Vetting System Pilot Program

    Science.gov (United States)

    2011-08-16

    ... Development Briefing on Partner Vetting System Pilot Program AGENCY: U.S. Department of State and U.S. Agency... briefing on the Partner Vetting System (PVS) pilot program. The objective of the briefing is to provide information about the PVS pilot program. Members of the public may attend in person or join via teleconference...

  11. 14 CFR 91.1097 - Pilot and flight attendant crewmember training programs.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 2 2010-01-01 2010-01-01 false Pilot and flight attendant crewmember... RULES Fractional Ownership Operations Program Management § 91.1097 Pilot and flight attendant crewmember training programs. (a) Each program manager must establish and maintain an approved pilot training program...

  12. Energy extension service pilot program evaluation report: the first year. Volume II: pilot state reports

    Energy Technology Data Exchange (ETDEWEB)

    1979-09-01

    Volume II of the Energy Extension Service Evaluation presents a discussion of the operations of the ten EES pilot-state programs during the period from October 1, 1977 through September 30, 1978. Each of the ten pilot states - Alabama, Connecticut, Michigan, New Mexico, Pennsylvania, Tennessee, Texas, Washington, Wisconsin, and Wyoming - received a grant of approximately $1.1 million to develop and implement a 19-month program beginning on October 1, 1977. Volume II provides a case-study description of the operations of the pilot program in each state, with special attention given to the two programs selected in each state for more detailed study and survey research. Some survey data and analysis are presented for the emphasis programs.

  13. Jamaica National Net-Billing Pilot Program Evaluation

    Energy Technology Data Exchange (ETDEWEB)

    Doris, Elizabeth [National Renewable Energy Lab. (NREL), Golden, CO (United States); Stout, Sherry [National Renewable Energy Lab. (NREL), Golden, CO (United States); Peterson, Kimberly [National Renewable Energy Lab. (NREL), Golden, CO (United States)

    2015-12-18

    This technical report discusses the effectiveness of the Jamaica Public Service Company Limited Net-Billing Pilot Program. The National Renewable Energy Laboratory (NREL) collected and analyzed data from a wide range of stakeholders, conducted in-country research, and compared program elements to common interconnection practices to form programmatic recommendations for the Jamaica context. NREL finds that the net-billing pilot program has successfully contributed to the support of the emerging solar market in Jamaica with the interconnection of 80 systems under the program for a total of 1.38 megawatts (MW) at the time of original analysis.

  14. 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.

  15. Pilot program for an automated data collection system

    International Nuclear Information System (INIS)

    Burns, R.S.; Johnson, P.S.; Denny, E.C.

    1984-01-01

    This report describes the pilot program of an automated data collection system and presents some of the managerial experiences during its startup. The pilot program demonstrated that improvements can be made in data collection and handling, even when a key hardware item does not meet requirements. 2 figures, 1 table

  16. 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. ...

  17. 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...

  18. 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...

  19. 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.

  20. Rockfish Pilot Permit Program (RPP)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Rockfish Pilot Program was a five-year project that allowed harvesters to form voluntary cooperatives and receive an exclusive harvest privilege for groundfish...

  1. The Epoch Pilot Program.

    Science.gov (United States)

    Uhlenberg, Donald M.; Molenaar, Richard A.

    1982-01-01

    Describes a program for high school students who are between their junior and senior years which provides an opportunity to take part in aviation courses at the University of North Dakota. Students take courses leading to a private pilot license, and earn college credit for their efforts. (JN)

  2. 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...

  3. 76 FR 47296 - Transit Asset Management (TAM) Pilot Program Funds

    Science.gov (United States)

    2011-08-04

    ... DEPARTMENT OF TRANSPORTATION Federal Transit Administration Transit Asset Management (TAM) Pilot... supplemented by Bus Discretionary funds in support of the Transit Asset Management (TAM) Pilot Program, which was announced in the TAM Program Notice of Funding Availability on November 19, 2010. The TAM program...

  4. UC/Los Alamos Entrepreneurial Postdoctoral Fellowship Pilot Program

    Energy Technology Data Exchange (ETDEWEB)

    Johnston, Mariann R. [Los Alamos National Lab. (LANL), Los Alamos, NM (United States); Clow, Shandra Deann [Los Alamos National Lab. (LANL), Los Alamos, NM (United States)

    2017-03-06

    The UC/Los Alamos Entrepreneurial Postdoctoral Fellowship Pilot Program (Pilot) for existing postdoctoral researchers at Los Alamos National Laboratory (Los Alamos) to gain skills in entrepreneurship and commercializing technology as part of their postdoctoral experience. This program will incorporate training and mentoring during the first 6-month period, culminating in a focused 6-month Fellowship aimed at creating a new business in Northern New Mexico.

  5. 78 FR 59706 - Secure Supply Chain Pilot Program; Correction

    Science.gov (United States)

    2013-09-27

    ...] Secure Supply Chain Pilot Program; Correction AGENCY: Food and Drug Administration, HHS. ACTION: Notice... Federal Register of August 20, 2013 (78 FR 51192). The document announced the start of the Secure Supply Chain Pilot Program (SSCPP). The document was published with an incorrect email address for the SSCPP...

  6. 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.

  7. 75 FR 70061 - Dealer Floor Plan Pilot Program Meeting

    Science.gov (United States)

    2010-11-16

    ... SMALL BUSINESS ADMINISTRATION Dealer Floor Plan Pilot Program Meeting AGENCY: U.S. Small Business... location, date, time, and agenda for a meeting regarding the Dealer Floor Plan Pilot Program established in the Small Business Jobs Act of 2010. The meeting will be open to the public. DATES: The Dealer Floor...

  8. 78 FR 9936 - Federal Housing Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program...

    Science.gov (United States)

    2013-02-12

    ... Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Pilot Program AGENCY...: On March 31, 2011, HUD published a notice that announced HUD's FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program) known as FHA PowerSaver, which is a pilot program conducted for loans...

  9. Pilot chargeback system program plan

    International Nuclear Information System (INIS)

    Smith, P.

    1997-03-01

    This planning document outlines the steps necessary to develop, test, evaluate, and potentially implement a pilot chargeback system at the Idaho National Engineering and Environmental Laboratory for the treatment, storage, and disposal of current waste. This pilot program will demonstrate one system that can be used to charge onsite generators for the treatment and disposal of low-level radioactive waste. In FY 1997, mock billings will begin by July 15, 1997. Assuming approvals are received to do so, FY 1998 activities will include modifying the associated automated systems, testing and evaluating system performance, and estimating the amount generators will spend for waste storage, treatment, and disposal in FY 1999. If the program is fully implemented in FY 1999, generators will pay actual, automated bills for waste management services from funds transferred to their budgets from Environmental Management

  10. Monetary transmission and bank lending in Germany

    NARCIS (Netherlands)

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

    1999-01-01

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

  11. 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...

  12. 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...

  13. 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...

  14. Green marketing in the Massachusetts electric company retail competition pilot program

    Energy Technology Data Exchange (ETDEWEB)

    Rothstein, S.M.; Fang, J.M.

    1997-10-01

    With electric industry restructuring initiatives being introduced on the state and federal levels, retail access pilot programs serve an important function for examining competitive market issues, as well as marketing strategies and customer reactions to different power supply options. The experience gained through these pilots provides important insights into future power market operations, including the market for green power. The Massachusetts Electric Company`s (MECo`s) Choice: New England pilot for residential and small-business customers was a voluntary program developed primarily to test the billing and metering logistics that distribution companies will need in the competitive market. The pilot also offered a preview of program implementation and marketing under customer choice. It was the first retail competition pilot to explicitly include green power options in program design. The MECo pilot`s energy suppliers were selected through the issuance of a request for proposals (RFP). Respondents were asked to submit bids in one or more of three energy supply categories-price, green, and other options. These options were developed by the pilot administrator through internal meetings, discussions with state officials and other stakeholders, and a review of information from other similar pilots. For the green option, the pilot administrator did not establish a green standard. Instead, suppliers were allowed to submit offers that promoted environmental stewardship. Customer response to the different green options are reported. The pilot results clearly demonstrate that, in a competitive situation, there is interest in a variety of energy supply options, including green options. 2 tabs.

  15. 76 FR 77716 - Alternate Passenger Rail Service Pilot Program

    Science.gov (United States)

    2011-12-14

    ...-0108; Notice No. 2] RIN 2130-AC19 Alternate Passenger Rail Service Pilot Program AGENCY: Federal... rule is in response to a statutory mandate that FRA complete a rulemaking proceeding to develop a pilot... enactment of the Passenger Rail Investment and Improvement Act of 2008. The final rule develops this pilot...

  16. 78 FR 60169 - Federal Acquisition Regulation; Pilot Program for Enhancement of Contractor Employee...

    Science.gov (United States)

    2013-09-30

    ... 9000-AM56 Federal Acquisition Regulation; Pilot Program for Enhancement of Contractor Employee... program enhancing whistleblower protections for contractor employees. DATES: Effective: September 30, 2013... contractor employees at FAR subpart 3.9. The pilot program is mandated by section 828, entitled ``Pilot...

  17. 75 FR 28554 - Elimination of Classification Requirement in the Green Technology Pilot Program

    Science.gov (United States)

    2010-05-21

    ...] Elimination of Classification Requirement in the Green Technology Pilot Program AGENCY: United States Patent... (USPTO) implemented the Green Technology Pilot Program on December 8, 2009, which permits patent... technologies. However, the pilot program was limited to only applications classified in a number of U.S...

  18. 77 FR 49782 - Extension of the Application Deadline for Humanitarian Awards Pilot Program

    Science.gov (United States)

    2012-08-17

    ...] Extension of the Application Deadline for Humanitarian Awards Pilot Program AGENCY: United States Patent and... Trademark Office (USPTO) announced the Humanitarian Awards Pilot Program, which recognizes patent holders... extending the deadline for applications to the Humanitarian Awards Pilot Program by two months until October...

  19. 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...

  20. Nod of Approval For Black Lending

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

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

  1. STEM Pilot Project Grant Program: Report to the Legislature, June 2016

    Science.gov (United States)

    Noahr, Lorrell; Black, Scott; Rogers, Justin

    2016-01-01

    The Washington State Legislature established the Science, Technology, Engineering, & Math (STEM) Pilot Program in the 2015-2017 capital budget (Chapter 3, Laws of 2015, 3rd Sp. Session, Section 5026) and provided $12,500,000 for this pilot grant program. Grants awarded under this program constitute the districts' local funding for purposes of…

  2. 47 CFR 73.4246 - Stereophonic pilot subcarrier use during monophonic programming.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 4 2010-10-01 2010-10-01 false Stereophonic pilot subcarrier use during monophonic programming. 73.4246 Section 73.4246 Telecommunication FEDERAL COMMUNICATIONS COMMISSION....4246 Stereophonic pilot subcarrier use during monophonic programming. See Report and Order, Docket...

  3. 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...

  4. 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...

  5. Impact of exercise programs among helicopter pilots with transient LBP.

    Science.gov (United States)

    Andersen, Knut; Baardsen, Roald; Dalen, Ingvild; Larsen, Jan Petter

    2017-06-20

    Flight related low back pain (LBP) among helicopter pilots is frequent and may influence flight performance. Prolonged confined sitting during flights seems to weaken lumbar trunk (LT) muscles with associated secondary transient pain. Aim of the study was to investigate if structured training could improve muscular function and thus improve LBP related to flying. 39 helicopter pilots (35 men and 4 women), who reported flying related LBP on at least 1 of 3 missions last month, were allocated to two training programs over a 3-month period. Program A consisted of 10 exercises recommended for general LBP. Program B consisted of 4 exercises designed specifically to improve LT muscular endurance. The pilots were examined before and after the training using questionnaires for pain, function, quality of health and tests of LT muscular endurance as well as ultrasound measurements of the contractility of the lumbar multifidus muscle (LMM). Approximately half of the participants performed the training per-protocol. Participants in this subset group had comparable baseline characteristics as the total study sample. Pre and post analysis of all pilots included, showed participants had marked improvement in endurance and contractility of the LMM following training. Similarly, participants had improvement in function and quality of health. Participants in program B had significant improvement in pain, function and quality of health. This study indicates that participants who performed a three months exercise program had improved muscle endurance at the end of the program. The helicopter pilots also experienced improved function and quality of health. Identifier: NCT01788111 Registration date; February 5th, 2013, verified April 2016.

  6. Value pricing pilot program : lessons learned

    Science.gov (United States)

    2008-08-01

    This "Lessons Learned Report" provides a summary of projects sponsored by the Federal Highway Administration's (FHWA's) Congestion and Value Pricing Pilot Programs from 1991 through 2006 and draws lessons from a sample of projects with the richest an...

  7. Connected Vehicle Pilot Deployment Program, Comprehensive Installation Plan - WYDOT CV Pilot

    Science.gov (United States)

    2018-02-16

    The Wyoming Department of Transportation's (WYDOT) Connected Vehicle (CV) Pilot Deployment Program is intended to develop a suite of applications that utilize vehicle-to-infrastructure (V2I) and vehicle-to-vehicle (V2V) communication technology to re...

  8. 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...

  9. 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...

  10. 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.

  11. 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...

  12. Introduction to the Atari Computer. A Program Written in the Pilot Programming Language.

    Science.gov (United States)

    Schlenker, Richard M.

    Designed to be an introduction to the Atari microcomputers for beginners, the interactive computer program listed in this document is written in the Pilot programing language. Instructions are given for entering and storing the program in the computer memory for use by students. (MES)

  13. 75 FR 69049 - Expansion and Extension of the Green Technology Pilot Program

    Science.gov (United States)

    2010-11-10

    ... under the Green Technology Pilot Program is available on the USPTO's Internet Web site at http://www... Extension of the Green Technology Pilot Program AGENCY: United States Patent and Trademark Office, Commerce...) implemented the Green [[Page 69050

  14. 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…

  15. 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.

  16. 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.

  17. 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.

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

    Science.gov (United States)

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

    2015-02-01

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

  19. Evaluation of the Pilot Program for Home School and ChalleNGe Program Recruits

    National Research Council Canada - National Science Library

    Garcia, F

    2001-01-01

    The National Defense Authorization Act for Fiscal Year 1999 (FY 99) directed a 5-year pilot program to treat graduates of home schools and graduates of the National Guard Youth ChalleNGe Program holding General Education Development (GED...

  20. 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...

  1. Energy Extension Service Pilot Program: evaluation report after two years. Volume II. State reports

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-04-01

    This report, Vol. II, presents a discussion of the operations of the ten EES pilot state programs during the period from October 1, 1977 through September 30, 1979. Each of the ten pilot states - Alabama, Connecticut, Michigan, New Mexico, Pennsylvania, Tennessee, Texas, Washington, Wisconsin, and Wyoming - received a grant of approximately $1.1 million to develop and implement an 18-month program beginning on October 1, 1977. In September 1978, each State received an additional $370,000 for service-delivery programs for the extension of the pilot program, April 1979 through September 1979. A case-study description of the operations of the pilot program in each State is provided here, with special attention given to the two programs selected in each State for more-detailed study and survey research. Although the thrust of this volume is descriptive, some survey data and analyses are presented for the emphasis programs. Two telephone surveys of clients and a non-client sample were conducted, one at the end of the first year of the pilot program (October 1977 - September 1978) and one at the end of the second year (October 1978 - September 1979).

  2. 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.

  3. 76 FR 66309 - Pilot Program for Parallel Review of Medical Products; Correction

    Science.gov (United States)

    2011-10-26

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Centers for Medicare and Medicaid Services [CMS-3180-N2] Food and Drug Administration [Docket No. FDA-2010-N-0308] Pilot Program for Parallel Review of Medical... 11, 2011 (76 FR 62808). The document announced a pilot program for sponsors of innovative device...

  4. 75 FR 75532 - Surface Transportation Project Delivery Pilot Program; Caltrans Audit Report

    Science.gov (United States)

    2010-12-03

    ...] Surface Transportation Project Delivery Pilot Program; Caltrans Audit Report AGENCY: Federal Highway... participating in the Pilot Program, 23 U.S.C. 327(g) mandates semiannual audits during each of the first 2 years of State participation. This notice announces and solicits comments on the fifth audit report for the...

  5. 76 FR 5237 - Surface Transportation Project Delivery Pilot Program; Caltrans Audit Report

    Science.gov (United States)

    2011-01-28

    ...] Surface Transportation Project Delivery Pilot Program; Caltrans Audit Report AGENCY: Federal Highway... participating in the Pilot Program, 23 U.S.C. 327(g) mandates semiannual audits during each of the first 2 years of State participation. This final report presents the findings from the fifth FHWA audit of the...

  6. 77 FR 26355 - Surface Transportation Project Delivery Pilot Program; Caltrans Audit Report

    Science.gov (United States)

    2012-05-03

    ...] Surface Transportation Project Delivery Pilot Program; Caltrans Audit Report AGENCY: Federal Highway... participating in the Pilot Program, 23 U.S.C. 327(g) mandates semiannual audits during each of the first 2 years of State participation. This final report presents the findings from the sixth FHWA audit of the...

  7. Model-Based Systems Engineering Pilot Program at NASA Langley

    Science.gov (United States)

    Vipavetz, Kevin G.; Murphy, Douglas G.; Infeld, Samatha I.

    2012-01-01

    NASA Langley Research Center conducted a pilot program to evaluate the benefits of using a Model-Based Systems Engineering (MBSE) approach during the early phase of the Materials International Space Station Experiment-X (MISSE-X) project. The goal of the pilot was to leverage MBSE tools and methods, including the Systems Modeling Language (SysML), to understand the net gain of utilizing this approach on a moderate size flight project. The System Requirements Review (SRR) success criteria were used to guide the work products desired from the pilot. This paper discusses the pilot project implementation, provides SysML model examples, identifies lessons learned, and describes plans for further use on MBSE on MISSE-X.

  8. 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.

  9. 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.

  10. 1988 Pilot Institute on Global Change on trace gases and the biosphere

    Energy Technology Data Exchange (ETDEWEB)

    Eddy, J.A.; Moore, B. III

    1998-07-01

    This proposal seeks multi-agency funding to conduct an international, multidisciplinary 1988 Pilot Institute on Global Change to take place from August 7 through 21, 1988, on the topic: Trace Gases and the Biosphere. The institute, to be held in Snowmass, Colorado, is envisioned as a pilot version of a continuing series of institutes on Global Change (IGC). This proposal seeks support for the 1988 pilot institute only. The concept and structure for the continuing series, and the definition of the 1988 pilot institute, were developed at an intensive and multidisciplinary Summer Institute Planning Meeting in Boulder, Colorado, on August 24--25, 1987. The theme for the 1988 PIGC, Trace Gases and the Biosphere, will focus a concerted, high-level multidisciplinary effort on a scientific problem central to the Global Change Program. Dramatic year-to-year increases in the global concentrations of radiatively-active trace gases such as methane and carbon dioxide are now well documented. The predicted climatic effects of these changes lend special urgency to efforts to study the biospheric sources and sinks of these gases and to clarify their interactions and role in the geosphere-biosphere system.

  11. 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...

  12. 76 FR 24556 - Intermediary Lending Pilot (ILP) Program

    Science.gov (United States)

    2011-05-02

    ... of materials. Each application must be submitted in two different formats: (1) Hard copy with original signatures, and (2) in Word or PDF format on a standard Compact Disc. See the instructions in the...

  13. 77 FR 22625 - Intermediary Lending Pilot (ILP) Program

    Science.gov (United States)

    2012-04-16

    ... years. SBA collects no fees on the loans and requires no collateral. An ILP Intermediary must use the... receive direct loans of up to $1,000,000 each. ILP Intermediaries must use the ILP Loan funds to make loans of up to $200,000 to startup, newly established, or growing small business concerns. ILP...

  14. Pain assessement and management in surgical cancer patients: pilot and evaluation of a continuing education program.

    NARCIS (Netherlands)

    Francke, A.L.; Huijer-Abu Saad, H.; Grypdonck, M.

    1995-01-01

    In a pilot study, a continuing education program on pain assessment and management was implemented and evaluated. Questionnaires were completed by the nurse participants at the beginning, the end, and 2 months after the end of the pilot program. After the pilot program, participants reported having

  15. 48 CFR 252.232-7005 - Reimbursement of subcontractor advance payments-DoD pilot mentor-protege program.

    Science.gov (United States)

    2010-10-01

    ... subcontractor advance payments-DoD pilot mentor-protege program. 252.232-7005 Section 252.232-7005 Federal... subcontractor advance payments—DoD pilot mentor-protege program. As prescribed in 232.412-70(c), use the following clause: Reimbursement of Subcontractor Advance Payments—DoD Pilot Mentor-Protege Program (SEP 2001...

  16. 76 FR 3192 - Value Pricing Pilot Program Participation, Fiscal Years 2010 and 2011

    Science.gov (United States)

    2011-01-19

    ... DEPARTMENT OF TRANSPORTATION Federal Highway Administration Value Pricing Pilot Program... Value Pricing Pilot (VPP) program, which was published on October 19, 2010, at 75 FR 64397. The original... interest at the following Web site: http://ops.fhwa.dot.gov/tolling_pricing/participation.htm . FOR FURTHER...

  17. 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

  18. Nonmotorized transportation pilot program : continued progress in developing walking and bicycling networks - May 2014

    Science.gov (United States)

    2014-05-01

    In 2005, the United States Congress directed the Federal Highway Administration (FHWA) to develop the Nonmotorized Transportation Pilot Program (NTPP). The program provided over $25 million in contract authority to four pilot communities (Columbia, M...

  19. 76 FR 55335 - Alternate Passenger Rail Service Pilot Program

    Science.gov (United States)

    2011-09-07

    ... provides that the proposed pilot program would not be made available to more than two Amtrak intercity... operation; provisions for accommodating the traveling public, including proposed arrangements for stations... program developed by this part will not be made available to more than two Amtrak intercity passenger rail...

  20. 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

  1. Mixtures Equation Pilot Program to Reduce Animal Testing

    Science.gov (United States)

    EPA is announcing the start of a pilot program to evaluate the usefulness and acceptability of a mathematical tool (the GHS Mixtures Equation), which is used in the Globally Harmonized System of Classification and Labeling of Chemicals (GHS).

  2. Operations Program Plan for the Waste Isolation Pilot Plant

    International Nuclear Information System (INIS)

    1990-09-01

    This document, Revision 4 of the Operations Program Plan, has been developed as the seven-year master plan for operating of the Waste Isolation Pilot Plant (WIPP). Subjects covered include public and technical communications; regulatory and environmental programs; startup engineering; radiation handling, surface operations, and underground operations; waste certification and waste handling; transportation development; geotechnical engineering; experimental operations; engineering program; general maintenance; security program; safety, radiation, and regulatory assurance; quality assurance program; training program; administration activities; management systems program; and decommissioning. 243 refs., 19 figs., 25 tabs. (SM)

  3. Decentralization of operating reactor licensing reviews: NRR Pilot Program

    International Nuclear Information System (INIS)

    Hannon, J.N.

    1984-07-01

    This report, which has incorporated comments received from the Commission and ACRS, describes the program for decentralization of selected operating reactor licensing technical review activities. The 2-year pilot program will be reviewed to verify that safety is enhanced as anticipated by the incorporation of prescribed management techniques and application of resources. If the program fails to operate as designed, it will be terminated

  4. Technical Proposal Salton Sea Geothermal Power Pilot Plant Program

    Energy Technology Data Exchange (ETDEWEB)

    None

    1975-03-28

    The proposed Salton Sea Geothermal Power Pilot Plant Program comprises two phases. The objective of Phase 1 is to develop the technology for power generation from high-temperature, high-salinity geothermal brines existing in the Salton Sea known geothermal resources area. Phase 1 work will result in the following: (a) Completion of a preliminary design and cost estimate for a pilot geothermal brine utilization facility. (b) Design and construction of an Area Resource Test Facility (ARTF) in which developmental geothermal utilization concepts can be tested and evaluated. Program efforts will be divided into four sub-programs; Power Generation, Mineral Extraction, Reservoir Production, and the Area Resources Test Facility. The Power Generation Subprogram will include testing of scale and corrosion control methods, and critical power cycle components; power cycle selection based on an optimization of technical, environmental and economic analyses of candidate cycles; preliminary design of a pilot geothermal-electric generating station to be constructed in Phase 2 of this program. The Mineral Extraction Subprogram will involve the following: selection of an optimum mineral recovery process; recommendation of a brine clean-up process for well injection enhancement; engineering, construction and operation of mineral recovery and brine clean-up facilities; analysis of facility operating results from environmental, economical and technical point-of-view; preliminary design of mineral recovery and brine clean-up facilities of sufficient size to match the planned pilot power plant. The Reservoir Production Subprogram will include monitoring the operation and maintenance of brine production, handling and injection systems which were built with private funding in phase 0, and monitoring of the brine characteristics and potential subsidence effects during well production and injection. Based on the above, recommendations and specifications will be prepared for production and

  5. 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 ...

  6. 48 CFR Appendix I to Chapter 2 - Policy and Procedures for the DOD Pilot Mentor-Protege Program

    Science.gov (United States)

    2010-10-01

    ... the DOD Pilot Mentor-Protege Program I Appendix I to Chapter 2 Federal Acquisition Regulations System... and Procedures for the DOD Pilot Mentor-Protege Program I-100Purpose. (a) This Appendix I to 48 CFR Chapter 2 implements the Pilot Mentor-Protégé Program (hereafter referred to as the “Program”) established...

  7. 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…

  8. 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 ...

  9. 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.

  10. 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

  11. Waste Isolation Pilot Plant transuranic wastes experimental characterization program: executive summary

    International Nuclear Information System (INIS)

    Molecke, M.A.

    1978-11-01

    A general overview of the Waste Isolation Pilot Plant transuranic wastes experimental characterization program is presented. Objectives and outstanding concerns of this program are discussed. Characteristics of transuranic wastes are also described. Concerns for the terminal isolation of such wastes in a deep bedded salt facility are divided into two phases, those during the short-term operational phase of the facility, and those potentially occurring in the long-term, after decommissioning of the repository. An inclusive summary covering individual studies, their importance to the Waste Isolation Pilot Plant, investigators, general milestones, and comments are presented

  12. 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.

  13. Evaluation of the School Breakfast Program Pilot Project: Findings from the First Year of Implementation. Nutrition Assistance Program Report Series.

    Science.gov (United States)

    McLaughlin, Joan E.; Bernstein, Lawrence S.; Crepinsek, May Kay; Daft, Lynn M.; Murphy, J. Michael

    In 1998, Congress authorized implementation of a 3-year pilot breakfast program involving 4,300 students in elementary schools in 6 school districts representing a range of economic and demographic characteristics. The program began in the 2000-01 school year. This lengthy report presents the findings from the pilot's first year. The study had two…

  14. Professional pilots' views of alcohol use in aviation and the effectiveness of employee-assistance programs.

    Science.gov (United States)

    Ross, S M; Ross, L E

    1995-01-01

    Pilots holding the Airline Transport Pilot certificate were surveyed about the seriousness of the alcohol problem in various areas of aviation and about the importance of a number of possible reasons why a pilot might drink and fly. They also rated a number of actions in terms of their potential effectiveness for reducing inappropriate alcohol use, and they evaluated a number of characteristics of employee-assistance programs. Respondents judged employee-assistance programs to be the best way to reduce problem drinking. They also identified areas in which currently available employee-assistance programs could be improved.

  15. 49 CFR 381.515 - May the FMCSA remove approved participants from a pilot program?

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 5 2010-10-01 2010-10-01 false May the FMCSA remove approved participants from a... § 381.515 May the FMCSA remove approved participants from a pilot program? The Administrator will... with the terms and conditions of the pilot program, or if continued participation is inconsistent with...

  16. 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...

  17. 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

  18. Remote Infrared Audible Signage (RIAS) Pilot Program : evaluation report

    Science.gov (United States)

    2009-09-01

    This report presents evaluation findings on the Remote Infrared Audible Signage (RIAS) Pilot Program in the Puget Sound Region of Washington. The installation, demonstration and evaluation of RIAS were required by a provision in the Safe, Accountable...

  19. 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.

  20. 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...

  1. 78 FR 26106 - Pilot Program on NAFTA Trucking Provisions

    Science.gov (United States)

    2013-05-03

    ... DEPARTMENT OF TRANSPORTATION Federal Motor Carrier Safety Administration [Docket No FMCSA-2011-0097] Pilot Program on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration (FMCSA). ACTION: Notice; correction. SUMMARY: The FMCSA published a document in the Federal Register of...

  2. 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...

  3. Extensiveness--Accuracy of Parent Information about Virginia Beach 45-15 Pilot Program.

    Science.gov (United States)

    Schlechty Associates, Chapel Hill, NC.

    A preliminary analysis of parent responses to questions related to factual information about the Virginia Beach 45-15 pilot elementary school program, where students attend classes 45 days and break 15 days year round, is provided. Specifically, the information component of the Virginia Beach 45-15 Pilot Project Questionnaire, which consists of…

  4. 76 FR 19174 - State Trade and Export Promotion (STEP) Pilot Grant Program

    Science.gov (United States)

    2011-04-06

    ... Grant Program is to increase the number of small businesses that are exporting, and increase the value... SMALL BUSINESS ADMINISTRATION State Trade and Export Promotion (STEP) Pilot Grant Program AGENCY: Office of International Trade; U.S. Small Business Administration (SBA) ACTION: SBA Program Announcement...

  5. Energy Extension Service Pilot Program: evaluation report after two years. Volume I. Evaluation summary

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-04-01

    The EES pilot program was initiated in August 1977, when 10 states were selected on a competitive basis for participation. The pilot states (Alabama, Connecticut, Michigan, New Mexico, Pennsylvania, Tennessee, Texas, Washington, Wisconsin, and Wyoming) devoted the first 6 months to start-up activities. This document is a follow-up report to the three volume Evaluation Summary of the first year of the pilot EES program published in September 1979. The purpose of this report is to provide an overview of the impacts and costs of the two years of the pilot program, and to check the consistency of findings over the two year period. The analysis addresses the following: (1) were the impact findings of Year I and Year II consistent, or did Year I and Year II attitudes and behavior vary. If variation existed, could it be attributed to program changes as the EES progressed from a start-up phase (Year I) to more normal service delivery (Year II); and (2) did costs of service delivery change (again reflecting start-up and normal service delivery costs). Did cost changes affect conclusions about the relative cost effectiveness of delivering services to different target audiences.

  6. Sleep and aggression in substance-abusing adolescents: results from an integrative behavioral sleep-treatment pilot program.

    Science.gov (United States)

    Haynes, Patricia L; Bootzin, Richard R; Smith, Leisha; Cousins, Jennifer; Cameron, Michael; Stevens, Sally

    2006-04-01

    To examine whether change in total sleep time during an integrative, behavioral sleep intervention is associated with aggression. Specifically, we tested whether adolescents who reported experiencing aggressive thoughts or actions after treatment had worse treatment trajectories (e.g., less total sleep time across treatment) than adolescents with no aggressive thoughts or actions after treatment. Nonpharmacologic open trial with 9 weeks of weekly assessment. University of Arizona Sleep Research Laboratory Twenty-three adolescents recently treated for substance abuse in outpatient community centers. Six-week integrative, behavioral sleep intervention. Weekly sleep-summary indexes were calculated from daily sleep diaries and entered as dependent variables in a series of growth-curve analyses. Statistically significant Session x Post-treatment Aggressive Ideation interactions emerged when predicting changes in total sleep time, gamma13 = 9.76 (SE = 4.12), p aggressive ideation and the frequency of substance use, as assessed at baseline. A similar pattern of results was seen for self-reported aggressive actions occurring during conflicts. These pilot data suggest that inadequate sleep in substance-abusing adolescents may contribute to the experiencing of aggressive thoughts and actions. Limitations include a small sample size and a restricted assessment of aggression. Nonetheless, these findings lend preliminary support to the breadth of therapeutic effectiveness of an integrative, behavioral sleep-therapy program for adolescents with a history of substance abuse and related behaviors.

  7. 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,

  8. Models of sequential decision making in consumer lending

    OpenAIRE

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

    2016-01-01

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

  9. 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...

  10. 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.

  11. A pilot study of an online workplace nutrition program: the value of participant input in program development.

    Science.gov (United States)

    Cousineau, Tara; Houle, Brian; Bromberg, Jonas; Fernandez, Kathrine C; Kling, Whitney C

    2008-01-01

    Tailored nutrition Web programs constitute an emerging trend in obesity prevention. Initial investment in innovative technology necessitates that the target population be well understood. This pilot study's purpose was to determine the feasibility of a workplace nutrition Web program. Formative research was conducted with gaming industry employees and benefits managers to develop a consensus on workplace-specific nutrition needs. A demonstration Web program was piloted with stakeholders to determine feasibility. Indiana, Mississippi, Nevada, and New Jersey gaming establishments. 86 employees, 18 benefits managers. Prototype Web program. Concept mapping; 16-item nutrition knowledge test; satisfaction. Concept mapping was used to aggregate importance ratings on programmatic content, which informed Web program curriculum. Chi-square tests were performed postintervention to determine knowledge improvement. (1) Employees and benefits managers exhibited moderate agreement about content priorities for the program (r = 0.48). (2) There was a significant increase in employees' nutrition knowledge scores postintervention (t = 7.16, df = 36, P benefit managers do not necessarily agree on the priority of nutrition-related content, suggesting a need for programs to appeal to various stakeholders. Computer-based approaches can address various stakeholder health concerns via tailored, customized programming.

  12. 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.

  13. Vogtle Unit 1 readiness review: Assessment of Georgia Power Company readiness review pilot program

    International Nuclear Information System (INIS)

    Lewis, G.

    1987-09-01

    Georgia Power Company (GPC) performed a readiness review at Vogtle Unit 1 as a pilot program. The pilot program was a new and innovative approach for the systematic and disciplined review, with senior management involvement, of GPC's implementation of design, construction, and operational readiness processes. The program's principal objective was to increase the level of assurance that quality programs at Vogtle Unit 1 have been accomplished in accordance with regulatory requirements. This report assesses the effectiveness of the GPC's readiness review pilot program (RRPP) at Vogtle Unit 1. It includes (1) an overview of what was experienced during the program's implementation, (2) an assessment of how well program objectives were met, and (3) lessons learned on the future use of the readiness review concept. Overall, GPC and the NRC staff believe that the RRPP at Vogtle Unit 1 was a success and that the program provided significant added assurance that Vogtle Unit 1 licensing commitments and NRC regulations have been adequately implemented. Although altering the NRC licensing review process for the few plants still in the construction pipeline may not be appropriate, licensees may benefit significantly by performing readiness reviews on their own initiative as GPC did for Vogtle. (7 refs.)

  14. 100-N pilot project: Proposed consolidated groundwater monitoring program

    International Nuclear Information System (INIS)

    Borghese, J.V.; Hartman, M.J.; Lutrell, S.P.; Perkins, C.J.; Zoric, J.P.; Tindall, S.C.

    1996-11-01

    This report presents a proposed consolidated groundwater monitoring program for the 100-N Pilot Project. This program is the result of a cooperative effort between the Hanford Site contractors who monitor the groundwater beneath the 100-N Area. The consolidation of the groundwater monitoring programs is being proposed to minimize the cost, time, and effort necessary for groundwater monitoring in the 100-N Area, and to coordinate regulatory compliance activities. The integrity of the subprograms requirements remained intact during the consolidation effort. The purpose of this report is to present the proposed consolidated groundwater monitoring program and to summarize the process by which it was determined

  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. Weatherization Innovation Pilot Program (WIPP): Technical Assistance Summary

    Energy Technology Data Exchange (ETDEWEB)

    Hollander, A.

    2014-09-01

    The U.S. Department of Energy (DOE) Energy Efficiency and Renewable Energy (EERE) Weatherization and Intergovernmental Programs Office (WIPO) launched the Weatherization Innovation Pilot Program (WIPP) to accelerate innovations in whole-house weatherization and advance DOE's goal of increasing the energy efficiency and health and safety of low-income residences without the utilization of additional taxpayer funding. Sixteen WIPP grantees were awarded a total of $30 million in Weatherization Assistance Program (WAP) funds in September 2010. These projects focused on: including nontraditional partners in weatherization service delivery; leveraging significant non-federal funding; and improving the effectiveness of low-income weatherization through the use of new materials, technologies, behavior-change models, and processes.

  17. 76 FR 50540 - Pilot Program of Enhanced Contract Care Authority for Veterans in Highly Rural Areas

    Science.gov (United States)

    2011-08-15

    ... contracts in order to arrange for the provision of care through the pilot program. See Public Law 110- 387... DEPARTMENT OF VETERANS AFFAIRS Pilot Program of Enhanced Contract Care Authority for Veterans in... Veterans Affairs (VA) is implementing Sec. 403 of Public Law (Pub. L.) 110-387, ``Veterans' Mental Health...

  18. 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.

  19. 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.

  20. 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.

  1. 76 FR 62808 - Pilot Program for Parallel Review of Medical Products

    Science.gov (United States)

    2011-10-11

    ... voluntary participation in the pilot program, as well as the guiding principles the Agencies intend to... 57045), parallel review is intended to reduce the time between FDA marketing approval and CMS national...

  2. 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.

  3. A pilot marine monitoring program in Cook Inlet, Alaska 1993--1994

    International Nuclear Information System (INIS)

    Brown, J.S.; Boehm, P.D.; Hyland, J.L.; Prest, H.F.

    1995-01-01

    Under the mandate of the Oil Pollution Act of 1990 (OPA'90) the Cook Inlet Regional Citizens Advisory Council (CIRCAC) sponsored the initiation of a pilot monitoring program in Cook Inlet, Alaska, The objectives of the pilot monitoring program were to provide baseline data on petroleum hydrocarbon concentrations in sediments and biota of Cook Inlet, and to evaluate the effectiveness of selected monitoring techniques in detecting petroleum hydrocarbon inputs from industry based sources. A sampling program was initiated in 1993 that included petroleum industry, specific sites and reference sites. Sample measurements included polynuclear aromatic hydrocarbons (PAH) in sediments, caged mussels, and semipermeable membrane devices (SPMDs), sediment toxicity using the amphipod, Ampelisca abdita, and estimates of population size and physiological condition of indigenous bivalves. Results of the 1993 sampling program indicated that (1) background levels of petrogenic, pyrogenic, and diagenetic hydrocarbons were present in sediments and indigenous bivalves, and (2) that limited amphipod toxicity and variations in bivalve measurements did not correlate with the hydrocarbons in the sediments. Modifications to the 1993 program were instituted for the 1994 sampling and included, the selection of new industry specific sites, discontinued use of caged bivalves, and design changes to SPMDs to enhance sensitivity. The results of the 1994 sampling program, and comparisons with the 1993 data are presented

  4. 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

  5. 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.

  6. 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

  7. 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.

  8. 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...

  9. Using STPA in the evaluation of fighter pilots training programs

    NARCIS (Netherlands)

    Plioutsias, Anastasios; Karanikas, Nektarios

    2015-01-01

    This paper presents how the application of the STPA method might support the evaluation of fighter pilots training programs and trigger procedural and technological changes. We applied the STPA method by considering the safety constraints documented in the Standard Operating Procedures (SOPs) of a

  10. A cognitive-behavioural program for adolescents with chronic pain - A pilot study

    NARCIS (Netherlands)

    V.P.B.M. Merlijn (Vivian); J.A.M. Hunfeld (Joke); J.C. van der Wouden (Hans); A.A.J.M. Hazebroek-Kampschreur (Alice); L.W.A. van Suijlekom-Smit (Lisette); B.W. Koes (Bart); J. Passchier (Jan)

    2005-01-01

    textabstractThe purpose of this pilot study is to evaluate the feasibility of a cognitive-behavioural training program for adolescents with chronic pain irrespective of pain localisation. A secondary aim was to give an impression of the effect of the program on pain and quality of life. Eight

  11. Expanding Horizons: A Pilot Mentoring Program Linking College/Graduate Students and Teens With ASD.

    Science.gov (United States)

    Curtin, Carol; Humphrey, Kristin; Vronsky, Kaela; Mattern, Kathryn; Nicastro, Susan; Perrin, Ellen C

    2016-02-01

    A small pilot program of 9 youth 13 to 18 years old with high-functioning autism spectrum disorder (ASD) or Asperger's syndrome assessed the feasibility, acceptability, and potential efficacy of an individualized mentoring program. Youth met weekly for 6 months with trained young adult mentors at a local boys and girls club. Participants reported improvements in self-esteem, social anxiety, and quality of life. Participants, parents, mentors, and staff reported that the program improved participants' social connectedness. Although the pilot study was small, it provides preliminary data that mentoring for youth with ASD has promise for increasing self-esteem, social skills, and quality of life. © The Author(s) 2015.

  12. 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…

  13. Developing a health and human rights training program for french speaking Africa: lessons learned, from needs assessment to a pilot program.

    Science.gov (United States)

    Chastonay, Philippe; Klohn, Axel Max; Zesiger, Véronique; Freigburghaus, Franziska; Mpinga, Emmanuel Kabengele

    2009-08-24

    The importance of human rights education has widely been recognized as one of the strategies for their protection and promotion of health. Yet training programs have not always taken into account neither local needs, nor public health relevance, nor pedagogical efficacy.The objectives of our study were to assess, in a participative way, educational needs in the field of health and human rights among potential trainees in six French-speaking African countries and to test the feasibility of a training program through a pilot test. Ultimately the project aims to implement a health and human rights training program most appropriate to the African context. Needs assessment was done according to four approaches: Revue of available data on health and human rights in the targeted countries; Country visits by one of the authors meeting key institutions; Focus group discussions with key-informants in each country; A questionnaire-based study targeting health professionals and human rights activists.Pilot training program: an interactive e-learning pilot program was developed integrating training needs expressed by partner institutions and potential trainees. Needs assessment showed high public health and human rights challenges that the target countries have to face. It also showed precise demands of partner institutions in regard to a health and human rights training program. It further allowed defining training objectives and core competencies useful to potential employers and future students as well as specific training contents.A pilot program allowed testing the motivation of students, the feasibility of an interactive educational approach and identifying potential difficulties. In combining various approaches our study was able to show that training needs concentrate around tools allowing the identification of basic human rights violations in the health system, the analysis of their causes and coordinated responses through specific intervention projects.

  14. Developing a health and human rights training program for french speaking Africa: lessons learned, from needs assessment to a pilot program

    Directory of Open Access Journals (Sweden)

    Freigburghaus Franziska

    2009-08-01

    Full Text Available Abstract Background The importance of human rights education has widely been recognized as one of the strategies for their protection and promotion of health. Yet training programs have not always taken into account neither local needs, nor public health relevance, nor pedagogical efficacy. The objectives of our study were to assess, in a participative way, educational needs in the field of health and human rights among potential trainees in six French-speaking African countries and to test the feasibility of a training program through a pilot test. Ultimately the project aims to implement a health and human rights training program most appropriate to the African context. Methods Needs assessment was done according to four approaches: Revue of available data on health and human rights in the targeted countries; Country visits by one of the authors meeting key institutions; Focus group discussions with key-informants in each country; A questionnaire-based study targeting health professionals and human rights activists. Pilot training program: an interactive e-learning pilot program was developed integrating training needs expressed by partner institutions and potential trainees. Results Needs assessment showed high public health and human rights challenges that the target countries have to face. It also showed precise demands of partner institutions in regard to a health and human rights training program. It further allowed defining training objectives and core competencies useful to potential employers and future students as well as specific training contents. A pilot program allowed testing the motivation of students, the feasibility of an interactive educational approach and identifying potential difficulties. Conclusion In combining various approaches our study was able to show that training needs concentrate around tools allowing the identification of basic human rights violations in the health system, the analysis of their causes and

  15. 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

  16. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

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

  17. 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…

  18. Connected vehicle pilot deployment program phase 2, data management plan - Wyoming

    Science.gov (United States)

    2017-04-10

    The Wyoming Department of Transportations (WYDOT) Connected Vehicle (CV) Pilot Deployment Program is intended to develop a suite of applications that utilize vehicle to infrastructure (V2I) and vehicle to vehicle (V2V) communication technology to ...

  19. 77 FR 65395 - Air Cargo Advance Screening (ACAS) Pilot Program

    Science.gov (United States)

    2012-10-26

    ... DEPARTMENT OF HOMELAND SECURITY U.S. Customs and Border Protection Air Cargo Advance Screening (ACAS) Pilot Program Correction In notice document 2012-26031 appearing on pages 65006-65009 in the issue of October 24, 2012 make the following correction: On page 65007, in the first column, under the...

  20. 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

  1. 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...

  2. 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...

  3. 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 ...

  4. Pilot study of a budget-tailored culinary nutrition education program for undergraduate food science students

    Science.gov (United States)

    Kerrison, Dorothy Adair

    The primary objective of this pilot study is to provide evidence that a budget-tailored culinary nutrition program is both appropriate and applicable to undergraduate food science students both in everyday life as well as their future health careers. Two validated programs were combined into one program in order to evaluate their combined effects: Cooking With a Chef and Cooking Matters at the Store. The secondary objective of this pilot study is to evaluate the components and reliability of a questionnaire created specifically for this pilot study. A review of past literature was written, which included culinary nutrition as a source of primary prevention, the importance of incorporating cost with culinary nutrition, and the importance of incorporating cost with culinary nutrition. Based on the literature review, it was determined that a budget-tailored culinary nutrition program was appropriate and applicable to undergraduate food science students interested in pursuing health-related careers. The pilot study design was a semi-crossover study: all four groups received the program, however, two groups were first treated as the control groups. All fifty-four participants received 5 sessions of culinary nutrition information from Cooking With a Chef, collaboratively delivered by a nutrition educator and a chef, and one session of information about shopping healthy on a budget from Cooking Matters at the Store in the form of a grocery store tour led by the nutrition educator. Three questionnaires were administered to the participants that evaluated culinary nutrition and price knowledge, cooking attitudes, and opinions of the programs' relevance to participants' everyday lives and careers. Two of the questionnaires, including a questionnaire developed specifically for the pilot study, were delivered as a pre- and post-test while the third questionnaire was delivered as a post-test. Eight random participants also partook in a focus group session led by the nutrition

  5. A Social-Cognitive Intervention Program for Adolescents with Autism: A Pilot Study

    Science.gov (United States)

    Cheung, Pui Pui Phoebe; Siu, Andrew M. H.; Brown, Ted; Yu, Mong-lin

    2018-01-01

    This pilot study explored the efficacy of a social-cognitive intervention program for adolescents with Autism Spectrum Disorder (ASD). Seven adolescents with ASD (mean age = 12.57 years) attended a school-based 10-week program. Social Skills Improvement System Rating Scales, Goal Attainment Scaling (GAS), and Theory of Mind Inventory were…

  6. Evaluation of the Pilot Mentoring Program at the Research Foundation for SUNY

    Science.gov (United States)

    Henderson-Harr, Amy; Caggiano-Siino, Kathleen; Prewitt, Ashlee

    2016-01-01

    This article provides a description of an 18-month pilot program focused on the leadership development of the next generation of research administrators (RAs) in the State University of New York system (SUNY). The key questions for the evaluators were: 1) can we create a developmental program that effectively prepares the next generation of RAs;…

  7. Evaluation of Medicare Health Support chronic disease pilot program.

    Science.gov (United States)

    Cromwell, Jerry; McCall, Nancy; Burton, Joe

    2008-01-01

    The Medicare Program is conducting a randomized trial of care management services among fee-for-service (FFS) beneficiaries called the Medicare Health Support (MHS) pilot program. Eight disease management (DM) companies have contracted with CMS to improve clinical quality, increase beneficiary and provider satisfaction, and achieve targeted savings for chronically ill Medicare FFS beneficiaries. In this article, we present 6-month intervention results on beneficiary selection and participation rates, mortality rates, trends in hospitalizations, and success in achieving Medicare cost savings. Results to date indicate limited success in achieving Medicare cost savings or reducing acute care utilization.

  8. 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

  9. Quality Assurance Program Plan for the Waste Isolation Pilot Plant Experimental-Waste Characterization Program

    International Nuclear Information System (INIS)

    1991-01-01

    This Quality Assurance Program Plan (QAPP) identifies the quality of data necessary to meet the specific objectives associated with the Department of Energy (DOE) Waste Isolation Pilot Plant (WIPP) Experimental-Waste Characterization Program (the Program). This experimental-waste characterization program is only one part of the WIPP Test Phase, both in the short- and long-term, to quantify and evaluate the characteristics and behavior of transuranic (TRU) wastes in the repository environment. Other parts include the bin-scale and alcove tests, drum-scale tests, and laboratory experiments. In simplified terms, the purpose of the Program is to provide chemical, physical, and radiochemical data describing the characteristics of the wastes that will be emplaced in the WIPP, while the remaining WIPP Test Phase is directed at examining the behavior of these wastes in the repository environment. 50 refs., 35 figs., 33 tabs

  10. Pilot States Program report: Home energy ratings systems and energy-efficient mortgages

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B.

    2000-04-04

    This report covers the accomplishments of the home energy ratings systems/energy-efficient mortgages (HERS/EEMs) pilot states from 1993 through 1998, including such indicators as funding, ratings and EEMs achieved, active raters, and training and marketing activities. A brief description of each HERS program's evolution is included, as well as their directors' views of the programs' future prospects. Finally, an analysis is provided of successful HERS program characteristics and factors that appear to contribute to HERS program success.

  11. What can a pilot congestive heart failure disease management program tell us about likely return on investment?: A case study from a program offered to federal employees.

    Science.gov (United States)

    vanVonno, Catherine J; Ozminkowski, Ronald J; Smith, Mark W; Thomas, Eileen G; Kelley, Doniece; Goetzel, Ron; Berg, Gregory D; Jain, Susheel K; Walker, David R

    2005-12-01

    In 1999, the Blue Cross and Blue Shield Federal Employee Program (FEP) implemented a pilot disease management program to manage congestive heart failure (CHF) among members. The purpose of this project was to estimate the financial return on investment in the pilot CHF program, prior to a full program rollout. A cohort of 457 participants from the state of Maryland was matched to a cohort of 803 nonparticipants from a neighboring state where the CHF program was not offered. Each cohort was followed for 12 months before the program began and 12 months afterward. The outcome measures of primary interest were the differences over time in medical care expenditures paid by FEP and by all payers. Independent variables included indicators of program participation, type of heart disease, comorbidity measures, and demographics. From the perspective of the funding organization (FEP), the estimated return on investment for the pilot CHF disease management program was a savings of $1.08 in medical expenditure for every dollar spent on the program. Adding savings to other payers as well, the return on investment was a savings of $1.15 in medical expenditures per dollar spent on the program. The amount of savings depended upon CHF risk levels. The value of a pilot initiative and evaluation is that lessons for larger-scale efforts can be learned prior to full-scale rollout.

  12. Quality Assurance Program Plan for the Waste Isolation Pilot Plant Experimental-Waste Characterization Program

    International Nuclear Information System (INIS)

    1991-01-01

    This Quality Assurance Program Plan (QAPP) identifies the quality of data necessary to meet the specific objectives associated with the Department of Energy (DOE) Waste Isolation Pilot Plant (WIPP) Experimental-Waste Characterization Program (the Program). DOE plans to conduct experiments in the WIPP during a Test Phase of approximately 5 years. These experiments will be conducted to reduce the uncertainties associated with the prediction of several processes (e.g., gas generation) that may influence repository performance. The results of the experiments will be used to assess the ability of the WIPP to meet regulatory requirements for the long-term protection of human health and the environment from the disposal of TRU wastes. 37 refs., 25 figs., 18 tabs

  13. 76 FR 20807 - Pilot Program on NAFTA Long-Haul Trucking Provisions

    Science.gov (United States)

    2011-04-13

    ... planning, operational coordination, and technical cooperation in key modes of transportation. On January 6... automatic slack adjusters and antilock braking systems (ABS) if applicable. Information available to FMCSA... must be operational on the vehicle throughout the duration of the pilot program. General Qualifications...

  14. 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...

  15. 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.

  16. Mentoring advanced practice nurses in research: recommendations from a pilot program.

    Science.gov (United States)

    Leung, Doris; Widger, Kimberley; Howell, Doris; Nelson, Sioban; Molassiotis, Alex

    2012-01-01

    Advanced Practice Nurses (APNs) need research skills to develop and advance their practice and, yet, many have limited access to research training and support following completion of their advanced degree. In this paper we report on the development, delivery, and evaluation of an innovative pilot program that combined research training and one-to-one mentorship for nine APNs in conducting research relevant to their practice. The program was organized within an academic institution and its affiliated hospitals in Toronto, Canada. Our experience with this program may assist those in other organizations to plan and deliver a similar program for APN research mentorship.

  17. 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

  18. 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...

  19. EPA Releases Guidance on a Voluntary Pilot Program to Reduce Animal Testing

    Science.gov (United States)

    EPA is announcing the start of a voluntary pilot program to evaluate the usefulness and acceptability of a mathematical tool that estimates the toxicological classification of a chemical, which is used in the GHS.

  20. Residential immersive life skills programs for youth with physical disabilities: A pilot study of program opportunities, intervention strategies, and youth experiences.

    Science.gov (United States)

    King, Gillian; Kingsnorth, Shauna; McPherson, Amy; Jones-Galley, Kimberlea; Pinto, Madhu; Fellin, Melissa; Timbrell, Natalie; Savage, Diane

    2016-08-01

    A pilot study was conducted to assess correspondence among measures of program characteristics (opportunities and intervention strategies) and youth experiences in a range of activity settings in a residential immersive life skills (RILS) program. Opportunities and intervention strategies were assessed in 18 activity settings in the 21-day program. On two occasions each, four youth completed a measure of experiences and took part in onsite interviews. There was good convergence between observed program opportunities and the use of socially-mediated, teaching/learning, and non-intrusive strategies. Youth experiences of social interaction, choice, and personal growth were further informed by interview information. There was substantial convergence between program characteristics and youth experiences, indicating the program was provided and experienced as intended. This pilot study indicated the fidelity of the program and the feasibility of using the measures in a future study. The preliminary findings suggest that RILS programs may provide a favorable environment for developmental experiences concerning social interaction, autonomy, and personal growth. Copyright © 2016 Elsevier Ltd. All rights reserved.

  1. 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.

  2. 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.

  3. 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...

  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 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...

  6. "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...

  7. 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...

  8. 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.

  9. Risk Assessment and Analysis of the M109 Family of Vehicles Fleet Management Pilot Program

    National Research Council Canada - National Science Library

    Hitz, Stephen

    1997-01-01

    ...) Fleet Management Pilot Program. The objective of this program is to reengineer the fleet's logistical support system by outsourcing those functions which make sense and that can be performed more efficiently by private industry...

  10. 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.

  11. Medication coaching program for patients with minor stroke or TIA: A pilot study

    OpenAIRE

    Sides, Elizabeth G; Zimmer, Louise O; Wilson, Leslie; Pan, Wenqin; Olson, DaiWai M; Peterson, Eric D; Bushnell, Cheryl

    2012-01-01

    Abstract Background Patients who are hospitalized with a first or recurrent stroke often are discharged with new medications or adjustment to the doses of pre-admission medications, which can be confusing and pose safety issues if misunderstood. The purpose of this pilot study was to assess the feasibility of medication coaching via telephone after discharge in patients with stroke. Methods Two-arm pilot study of a medication coaching program with 30 patients (20 intervention, 10 control). Co...

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

    NARCIS (Netherlands)

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

    2009-01-01

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

  13. Process Document for the Conservation Competitive Bidding Pilot Program.

    Energy Technology Data Exchange (ETDEWEB)

    United States. Bonneville Power Administration.

    1990-09-01

    Bonneville Power Administration (Bonneville) is proposing to test competitive bidding for Conservation Resources to expand its existing resource acquisition capabilities. Competitive bidding may target specific types of electric end-uses or end-use sectors. It is a new acquisition approach through which Bonneville seeks to acquire resources that are not acquired through other existing or planned conservation programs. This proposal describes the conservation component of the all-source competitive acquisition approach that will be developed. It is expected that the combined resource acquisition effort will target about 100 average megawatts (aMW) as proposed in the 1990 Resource Program, although the exact amount has not yet been determined. Increasing the acquisition target will, to some extent, depend on whether the proposed pilot program is large enough to establish confidence in the approach.

  14. Connected vehicle pilot deployment program phase 2 : data management plan - Tampa (THEA).

    Science.gov (United States)

    2017-10-01

    The Tampa Hillsborough Expressway Authority (THEA) Connected Vehicle (CV) Pilot Deployment Program is intended to develop a suite of applications that utilize vehicle-to-infrastructure (V2I) and vehicle-to-vehicle (V2V) communication technology to re...

  15. 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

  16. 12 CFR 560.170 - Records for lending transactions.

    Science.gov (United States)

    2010-01-01

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

  17. 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 ...

  18. 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

  19. 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] ...

  20. 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...

  1. 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...

  2. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    Energy Technology Data Exchange (ETDEWEB)

    Washington TRU Solutions

    2002-09-24

    U.S. Department of Energy (DOE) Order 5400.1, General Environmental Protection Program, requires each DOE site to prepare a Groundwater Protection Management Program Plan. This document fulfills the requirement for the Waste Isolation Pilot Plant (WIPP). This document was prepared by the Hydrology Section of the Westinghouse TRU Solutions LLC (WTS) Environmental Compliance Department, and it is the responsibility of this group to review the plan annually and update it every three years. This document is not, nor is it intended to be, an implementing document that sets forth specific details on carrying out field projects or operational policy. Rather, it is intended to give the reader insight to the groundwater protection philosophy at WIPP.

  3. 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.

  4. Information from Relationship Lending : Evidence from China

    NARCIS (Netherlands)

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

    2009-01-01

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

  5. Economic Evaluation of a Comprehensive Teenage Pregnancy Prevention Program: Pilot Program

    Science.gov (United States)

    Rosenthal, Marjorie S.; Ross, Joseph S.; Bilodeau, RoseAnne; Richter, Rosemary S.; Palley, Jane E.; Bradley, Elizabeth H.

    2011-01-01

    Background Previous research has suggested that comprehensive teenage pregnancy prevention programs that address sexual education and life skills development and provide academic are effective in reducing births among enrolled teenagers. However, there have been limited data on costs and cost-effectiveness of such programs. Objectives To use a community-based participatory research approach, to develop estimates of the cost-benefit of the Pathways/Senderos Center, a comprehensive neighborhood-based program to prevent unintended pregnancies and promote positive development for adolescents. Methods Using data from 1997-2003, we conducted an in-time intervention analysis to determine program cost-benefit while teenagers were enrolled and then used an extrapolation analysis to estimate accyrred economibc benefits and cost-benefit up to age 30. Results The program operating costs totaled $3,228,152.59 and reduced the teenage childbearing rate from 94.10 to 40.00 per 1000 teenage females, averting $52,297.84 in total societal costs, with an economic benefit to society from program participation of $2,673,153.11. Therefore, total costs to society exceeded economic benefits by $559,677.05, or $1,599.08 per adolescent per year. In an extrapolation analysis, benefits to society exceed costs by $10,474.77 per adolescent per year by age 30 on average, with social benefits outweighing total social costs by age 20.1. Conclusions We estimate that this comprehensive teenage pregnancy prevention program would provide societal economic benefits once participants are young adults, suggesting the need to expand beyond pilot demonstrations and evaluate the long-range cost-effectiveness of similarly comprehensive programs when implemented more widely in high-risk neighborhoods. PMID:19896030

  6. Economic evaluation of a comprehensive teenage pregnancy prevention program: pilot program.

    Science.gov (United States)

    Rosenthal, Marjorie S; Ross, Joseph S; Bilodeau, Roseanne; Richter, Rosemary S; Palley, Jane E; Bradley, Elizabeth H

    2009-12-01

    Previous research has suggested that comprehensive teenage pregnancy prevention programs that address sexual education and life skills development and provide academic support are effective in reducing births among enrolled teenagers. However, there have been limited data on the costs and cost effectiveness of such programs. The study used a community-based participatory research approach to develop estimates of the cost-benefit of the Pathways/Senderos Center, a comprehensive neighborhood-based program to prevent unintended pregnancies and promote positive development for adolescents. Using data from 1997-2003, an in-time intervention analysis was conducted to determine program cost-benefit while teenagers were enrolled; an extrapolation analysis was then used to estimate accrued economic benefits and cost-benefit up to age 30 years. The program operating costs totaled $3,228,152.59 and reduced the teenage childbearing rate from 94.10 to 40.00 per 1000 teenage girls, averting $52,297.84 in total societal costs, with an economic benefit to society from program participation of $2,673,153.11. Therefore, total costs to society exceeded economic benefits by $559,677.05, or $1599.08 per adolescent per year. In an extrapolation analysis, benefits to society exceed costs by $10,474.77 per adolescent per year by age 30 years on average, with social benefits outweighing total social costs by age 20.1 years. This comprehensive teenage pregnancy prevention program is estimated to provide societal economic benefits once participants are young adults, suggesting the need to expand beyond pilot demonstrations and evaluate the long-range cost effectiveness of similarly comprehensive programs when they are implemented more widely in high-risk neighborhoods.

  7. 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...

  8. 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...

  9. FY 2008 Next Generation Safeguards Initiative International Safeguards Education and Training Pilot Programs Summary Report

    International Nuclear Information System (INIS)

    Dreicer, M.; Anzelon, G.; Essner, J.; Dougan, A.; Doyle, J.; Boyer, B.; Hypes, P.; Sokova, E.; Wehling, F.

    2008-01-01

    Key component of the Next Generation Safeguards Initiative (NGSI) launched by the National Nuclear Security Administration is the development of human capital to meet present and future challenges to the safeguards regime. An effective university-level education in safeguards and related disciplines is an essential element in a layered strategy to rebuild the safeguards human resource capacity. Two pilot programs at university level, involving 44 students, were initiated and implemented in spring-summer 2008 and linked to hands-on internships at LANL or LLNL. During the internships, students worked on specific safeguards-related projects with a designated Laboratory Mentor to provide broader exposure to nuclear materials management and information analytical techniques. The Safeguards and Nuclear Material Management pilot program was a collaboration between the Texas A and M University (TAMU), Los Alamos National Laboratory (LANL) and Lawrence Livermore National Laboratory (LLNL). It included a 16-lecture course held during a summer internship program. The instructors for the course were from LANL together with TAMU faculty and LLNL experts. The LANL-based course was shared with the students spending their internship at LLNL via video conference. A week-long table-top (or hands-on) exercise on was also conducted at LANL. The student population was a mix of 28 students from a 12 universities participating in a variety of summer internship programs held at LANL and LLNL. A large portion of the students were TAMU students participating in the NGSI pilot. The International Nuclear Safeguards Policy and Information Analysis pilot program was implemented at the Monterey Institute for International Studies (MIIS) in cooperation with LLNL. It included a two-week intensive course consisting of 20 lectures and two exercises. MIIS, LLNL, and speakers from other U.S. national laboratories (LANL, BNL) delivered lectures for the audience of 16 students. The majority of students

  10. [Basic cardiopulmonary resuscitation program for high school students (PROCES). Results from the pilot program].

    Science.gov (United States)

    Miró, Oscar; Jiménez-Fábrega, Xavier; Díaz, Núria; Coll-Vinent, Blanca; Bragulat, Ernest; Jiménez, Sònia; Espinosa, Gerard; Hernández-Rodríguez, José; García-Alfranca, Fernando; Alvarez, M Teresa; Salvador, Jordi; Millá, José; Sánchez, Miquel

    2005-01-15

    The PROCES (Programa de Reanimació Cardiopulmonar Orientat a Centres d'Ensenyament Secundari) program is aimed at teaching basic cardiopulmonary resuscitation (b-CPR) to teenagers within high school. Our aim was to analyze the results obtained from the pilot program. PROCES was splitted in 7 sessions: 5 of them (5 hours) were taught by teachers at high school and 2 of them (4 hours, including how to perform b-CPR) were taught by emergency physicians. To assess the degree of students' learning, they were administered a 20-question test before and after the program. Epidemiological characteristics and students' opinions (all them were requested to rate the program from 0 to 10) were also collected. Students were 14 years-old in 38%, 15 in 38% and 16 or more in 24%. Before PROCES, the mean mark (over 20 points) was 8.5 (2.4). After PROCES, marks improved up to 13.5 (3.2) (p knowledge and skills in b-CPR, with no exceptions associated with teenagers' characteristics.

  11. 75 FR 9638 - Surface Transportation Project Delivery Pilot Program; Caltrans Audit Report

    Science.gov (United States)

    2010-03-03

    ... practice on a case- by-case basis. The FHWA recommends that Caltrans develop a departmentwide, holistic corrective action management approach and system that will develop and implement an internal process review... the Pilot Program. During the on-site audit, Caltrans staff and management continued to express...

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

    Directory of Open Access Journals (Sweden)

    Lien-Wen Liang

    2017-12-01

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

  13. Connected vehicle pilot deployment program phase 1, security management operational concept : ICF/Wyoming.

    Science.gov (United States)

    2016-03-14

    The Wyoming Department of Transportations (WYDOT) Connected Vehicle (CV) Pilot Deployment Program is intended to develop a suite of applications that utilize vehicle to infrastructure (V2I) and vehicle to vehicle (V2V) communication technology to ...

  14. The waste isolation pilot plant regulatory compliance program

    International Nuclear Information System (INIS)

    Mewhinney, J.A.; Kehrman, R.F.

    1996-01-01

    The passage of the WIPP Land Withdrawal Act of 1992 (LWA) marked a turning point for the Waste Isolation Pilot Plant (WIPP) program. It established a Congressional mandate to open the WIPP in as short a time as possible, thereby initiating the process of addressing this nation's transuranic (TRU) waste problem. The DOE responded to the LWA by shifting the priority at the WIPP from scientific investigations to regulatory compliance and the completion of prerequisites for the initiation of operations. Regulatory compliance activities have taken four main focuses: (1) preparing regulatory submittals; (2) aggressive schedules; (3) regulator interface; and (4) public interactions

  15. The Waste Isolation Pilot Plant Performance Assessment Program

    International Nuclear Information System (INIS)

    Myers, J.; Coons, W.E.; Eastmond, R.; Morse, J.; Chakrabarti, S.; Zurkoff, J.; Colton, I.D.; Banz, I.

    1986-01-01

    The Waste Isolation Pilot Plant (WIPP) Performance Assessment Program involves a comprehensive analysis of the WIPP project with respect to the recently finalized Environmental Protection Agency regulations regarding the long-term geologic isolation of radioactive wastes. The performance assessment brings together the results of site characterization, underground experimental, and environmental studies into a rigorous determination of the performance of WIPP as a disposal system for transuranic radioactive waste. The Program consists of scenario development, geochemical, hydrologic, and thermomechanical support analyses and will address the specific containment and individual protection requirements specified in 40 CFR 191 sub-part B. Calculated releases from these interrelated analyses will be reported as an overall probability distribution of cumulative release resulting from all processes and events occurring over the 10,000 year post-closure period. In addition, results will include any doses to the public resulting from natural processes occurring over the 1,000 year post-closure period. The overall plan for the WIPP Performance Assessment Program is presented along with approaches to issues specific to the WIPP project

  16. Dietary Interventions in Multiple Sclerosis: Development and Pilot-Testing of an Evidence Based Patient Education Program.

    Science.gov (United States)

    Riemann-Lorenz, Karin; Eilers, Marlene; von Geldern, Gloria; Schulz, Karl-Heinz; Köpke, Sascha; Heesen, Christoph

    2016-01-01

    Dietary factors have been discussed to influence risk or disease course of multiple sclerosis (MS). Specific diets are widely used among patients with MS. To design and pilot-test an evidence based patient education program on dietary factors in MS. We performed a systematic literature search on the effectiveness of dietary interventions in MS. A web-based survey among 337 patients with MS and 136 healthy controls assessed knowledge, dietary habits and information needs. An interactive group education program was developed and pilot-tested. Fifteen randomised-controlled trials (RCTs) were included in the systematic review. Quality of evidence was low and no clear benefit could be seen. Patients with MS significantly more often adhered to a `Mediterranean Diet`(29.7% versus 14.0%, ppilot test of our newly developed patient education program with 13 participants showed excellent comprehensibility and the MS-specific content was judged as very important. However, the poor evidence base for dietary approaches in MS was perceived disappointing. Development and pilot-testing of an evidence-based patient education program on nutrition and MS is feasible. Patient satisfaction with the program suffers from the lack of evidence. Further research should focus on generating evidence for the potential influence of lifestyle habits (diet, physical activity) on MS disease course thus meeting the needs of patients with MS.

  17. Pilot Evaluation of a Home Visit Parent Training Program in Disadvantaged Families

    Science.gov (United States)

    Leung, Cynthia; Tsang, Sandra; Heung, Kitty

    2013-01-01

    Objectives: The study reported the pilot evaluation of the Healthy Start Home Visit Program for disadvantaged Chinese parents with preschool children, delivered by trained parent assistants. Home visiting was used to make services more accessible to disadvantaged families. Method: The participants included 21 parent-child dyads. Outcome measures…

  18. 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.

  19. 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…

  20. 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

  1. 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

  2. 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

  3. Decreasing Hospital Readmission in Ileostomy Patients: Results of Novel Pilot Program.

    Science.gov (United States)

    Shaffer, Virginia O; Owi, Tari; Kumarusamy, Mathu A; Sullivan, Patrick S; Srinivasan, Jahnavi K; Maithel, Shishir K; Staley, Charles A; Sweeney, John F; Esper, Greg

    2017-04-01

    Nearly 30% of patients with newly formed ileostomies require hospital readmission from severe dehydration or associated complications. This contributes to significant morbidity and rising healthcare costs associated with this procedure. Our aim was to design and pilot a novel program to decrease readmissions in this patient population. An agreement was established with Visiting Nurse Health System (VNHS) in March 2015 that incorporated regular home visits with clinical triggers to institute surgeon-supervised corrective measures aimed at preventing patient decompensation associated with hospital readmissions. Thirty-day readmission data for patients managed with and without VNHS support for 10.5 months before and after implementation of this new program were collected. Of 833 patients with small bowel procedures, 162 were ileostomies with 47 in the VNHS and 115 in the non-VNHS group. Before program implementation, VNHS (n = 24) and non-VNHS patients (n = 54) had similar readmission rates (20.8% vs 16.7%). After implementation, VNHS patients (n = 23) had a 58% reduction in hospital readmission (8.7%) and non-VNHS patient hospital readmissions (n = 61) increased slightly (24.5%). Total cost of readmissions per patient in the cohort decreased by >80% in the pilot VNHS group. Implementation of a novel program reduced the 30-day readmission rate by 58% and cost of readmissions per patient by >80% in a high risk for readmission patient population with newly created ileostomies. Future efforts will expand this program to a greater number of patients, both institutionally and systemically, to reduce the readmission-rate and healthcare costs for this high-risk patient population. Copyright © 2017 American College of Surgeons. Published by Elsevier Inc. All rights reserved.

  4. 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...

  5. 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...

  6. 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.

  7. "Let's Count": Evaluation of a Pilot Early Mathematics Program in Low Socioeconomic Locations in Australia

    Science.gov (United States)

    Perry, Bob; Gervasoni, Ann; Dockett, Sue

    2012-01-01

    The "Let's Count" pilot early mathematics program was implemented in five early childhood educational contexts across Australia during 2011. The program used specifically formulated materials and workshops to enlist the assistance of early childhood educators to work with parents and other family members of children in their settings to…

  8. 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.

  9. 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.

  10. EXPANDING HORIZONS: A PILOT MENTORING PROGRAM LINKING COLLEGE/GRADUATE STUDENTS AND TEENS WITH ASD

    OpenAIRE

    Curtin, Carol; Humphrey, Kristin; Vronsky, Kaela; Mattern, Kathryn; Nicastro, Susan; Perrin, Ellen C.

    2015-01-01

    A small pilot program of nine youth ages 13–18 with high functioning autism spectrum disorder (ASD) or Asperger’s syndrome assessed the feasibility, acceptability, and potential efficacy of an individualized mentoring program. Youth met weekly for 6 months with trained young adult mentors at a local Boys and Girls Clubs. Participants reported improvements in self-esteem, social anxiety, and quality of life. Participants, parents, mentors, and staff reported that the program improved participa...

  11. 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.

  12. 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…

  13. 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...

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

    Science.gov (United States)

    2013-05-03

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

  15. 14 CFR 91.1089 - Qualifications: Check pilots (aircraft) and check pilots (simulator).

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 2 2010-01-01 2010-01-01 false Qualifications: Check pilots (aircraft) and check pilots (simulator). 91.1089 Section 91.1089 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION... RULES Fractional Ownership Operations Program Management § 91.1089 Qualifications: Check pilots...

  16. 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...

  17. A Pilot Study of a Kindergarten Summer School Reading Program in High-Poverty Urban Schools

    Science.gov (United States)

    Denton, Carolyn A.; Solari, Emily J.; Ciancio, Dennis J.; Hecht, Steven A.; Swank, Paul R.

    2010-01-01

    This pilot study examined an implementation of a kindergarten summer school reading program in 4 high-poverty urban schools. The program targeted both basic reading skills and oral language development. Students were randomly assigned to a treatment group (n = 25) or a typical practice comparison group (n = 28) within each school; however,…

  18. Pilot of a diabetes primary prevention program in a hard-to-reach, low-income, immigrant Hispanic population.

    Science.gov (United States)

    Millard, Ann V; Graham, Margaret A; Wang, Xiaohui; Mier, Nelda; Sánchez, Esmeralda R; Flores, Isidore; Elizondo-Fournier, Marta

    2011-10-01

    An immigrant Hispanic population in the Texas-Mexico border region urgently requested assistance with diabetes. The project team implemented an exploratory pilot intervention to prevent type 2 diabetes in the general population through enhanced nutrition and physical activity. Social networks in low-income rural areas(colonias) participated in an adaptation of the Diabetes Empowerment Education Program. The program had a pre-post-test design with a comparison group. The intervention had a small but significant effect in lowering body mass index, the biological outcome variable. The process evaluation shows that the participants valued the pilot project and found it culturally and economically appropriate. This program was the first primary prevention program in diabetes to address a general population successfully. The study shows that low-income, rural Mexican American families will take ownership of a program that is participatory and tailored to their culture and economic situation.

  19. Lessons from a pilot program to induce stove replacements in Chile: design, implementation and evaluation

    Science.gov (United States)

    Gómez, Walter; Chávez, Carlos; Salgado, Hugo; Vásquez, Felipe

    2017-11-01

    We present the design, implementation, and evaluation of a subsidy program to introduce cleaner and more efficient household wood combustion technologies. The program was conducted in the city of Temuco, one of the most polluted cities in southern Chile, as a pilot study to design a new national stove replacement initiative for pollution control. In this city, around 90% of the total emissions of suspended particulate matter is caused by households burning wood. We created a simulated market in which households could choose among different combustion technologies with an assigned subsidy. The subsidy was a relevant factor in the decision to participate, and the inability to secure credit was a significant constraint for the participation of low-income households. Due to several practical difficulties and challenges associated with the implementation of large-scale programs that encourage technological innovation at the household level, it is strongly advisable to start with a small-scale pilot that can provide useful insights into the final design of a fuller, larger-scale program.

  20. 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...

  1. Evaluation of the School Breakfast Program Pilot Project: Final Report. Special Nutrition Programs. Report Number CN-04-SBP. Nutrition Assistance Program Report Series

    Science.gov (United States)

    Bernstein, Lawrence S.; McLaughlin, Joan E.; Crepinsek, Mary Kay; Daft, Lynn M.

    2004-01-01

    In 1998, Congress authorized the School Breakfast Program Pilot Project (SBPP) to study the implementation and effects of providing universal free school breakfast in six school districts across the United States. For three years, from School Year (SY) 2000-2001 through SY 2002-2003, these six school districts received federal funds to offer…

  2. PRACA Enhancement Pilot Study Report: Engineering for Complex Systems Program (formerly Design for Safety), DFS-IC-0006

    Science.gov (United States)

    Korsmeyer, David; Schreiner, John

    2002-01-01

    This technology evaluation report documents the findings and recommendations of the Engineering for Complex Systems Program (formerly Design for Safety) PRACA Enhancement Pilot Study of the Space Shuttle Program's (SSP's) Problem Reporting and Corrective Action (PRACA) System. A team at NASA Ames Research Center (ARC) performed this Study. This Study was initiated as a follow-on to the NASA chartered Shuttle Independent Assessment Team (SIAT) review (performed in the Fall of 1999) which identified deficiencies in the current PRACA implementation. The Pilot Study was launched with an initial qualitative assessment and technical review performed during January 2000 with the quantitative formal Study (the subject of this report) started in March 2000. The goal of the PRACA Enhancement Pilot Study is to evaluate and quantify the technical aspects of the SSP PRACA systems and recommend enhancements to address deficiencies and in preparation for future system upgrades.

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

    Directory of Open Access Journals (Sweden)

    ȘARGU Alina Camelia

    2012-12-01

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

  4. 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...

  5. 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.

  6. The intersection of urban form and mileage fees : findings from the Oregon road user fee pilot program

    Science.gov (United States)

    2011-03-01

    This report analyzes data from the 2006-2007 Oregon Road User Fee Pilot Program to assess if and how urban form variables correlate with travel behavior changes that participants made in response to the mileage fee program. The study tested the impac...

  7. Experimental program plan for the Waste Isolation Pilot Plant

    Energy Technology Data Exchange (ETDEWEB)

    1994-01-01

    The US Department of Energy has prepared this Experimental Program Plan for the Waste Isolation Pilot Plant (EPP) to provide a summary of the DOE experimental efforts needed for the performance assessment process for the WIPP, and of the linkages of this process to the appropriate regulations. The Plan encompasses a program of analyses of the performance of the planned repository based on scientific studies, including tests with transuranic waste at laboratory sites, directed at evaluating compliance with the principal regulations governing the WIPP. The Plan begins with background information on the WIPP project, the requirements of the LWA (Land Withdrawal Act), and its objective and scope. It then presents an overview of the regulatory requirements and the compliance approach. Next are comprehensive discussions of plans for compliance with disposal regulations, followed by the SWDA (Solid Waste Disposal Act) and descriptions of activity programs designed to provide information needed for determining compliance. Descriptions and justifications of all currently planned studies designed to support regulatory compliance activities are also included.

  8. Experimental program plan for the Waste Isolation Pilot Plant

    International Nuclear Information System (INIS)

    1994-01-01

    The US Department of Energy has prepared this Experimental Program Plan for the Waste Isolation Pilot Plant (EPP) to provide a summary of the DOE experimental efforts needed for the performance assessment process for the WIPP, and of the linkages of this process to the appropriate regulations. The Plan encompasses a program of analyses of the performance of the planned repository based on scientific studies, including tests with transuranic waste at laboratory sites, directed at evaluating compliance with the principal regulations governing the WIPP. The Plan begins with background information on the WIPP project, the requirements of the LWA (Land Withdrawal Act), and its objective and scope. It then presents an overview of the regulatory requirements and the compliance approach. Next are comprehensive discussions of plans for compliance with disposal regulations, followed by the SWDA (Solid Waste Disposal Act) and descriptions of activity programs designed to provide information needed for determining compliance. Descriptions and justifications of all currently planned studies designed to support regulatory compliance activities are also included

  9. 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...

  10. 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.

  11. 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

  12. 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.

  13. 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...

  14. Peer mentoring for eating disorders: evaluation of a pilot program.

    Science.gov (United States)

    Beveridge, Jennifer; Phillipou, Andrea; Edwards, Kelly; Hobday, Alice; Hilton, Krissy; Wyett, Cathy; Saw, Anna; Graham, Georgia; Castle, David; Brennan, Leah; Harrison, Philippa; de Gier, Rebecca; Warren, Narelle; Hanly, Freya; Torrens-Witherow, Benjamin; Newton, J Richard

    2018-01-01

    Eating disorders are serious psychiatric illnesses that are often associated with poor quality of life and low long-term recovery rates. Peer mentor programs have been found to improve psychiatric symptoms and quality of life in other mental illnesses, and a small number of studies have suggested that eating disorder patients may benefit from such programs. The aim of this study is to assess the efficacy of a peer mentor program for individuals with eating disorders in terms of improving symptomatology and quality of life. Up to 30 individuals with a past history of an eating disorder will be recruited to mentor 30 individuals with a current eating disorder. Mentoring will involve 13 sessions (held approximately every 2 weeks), of up to 3 h each, over 6 months. This pilot proof-of-concept feasibility study will inform the efficacy of a peer mentoring program on improving eating disorder symptomatology and quality of life, and will inform future randomised controlled trials. Australian and New Zealand Clinical Trials Registration Number: ACTRN12617001412325. The date of registration (retrospective): 05/10/2017.

  15. Impact of Pharmacists in a Community-Based Home Care Service: A Pilot Program.

    Science.gov (United States)

    Walus, Ashley N; Woloschuk, Donna M M

    2017-01-01

    Historically, pharmacists have not been included on home care teams, despite the fact that home care patients frequently experience medication errors. Literature describing Canadian models of pharmacy practice in home care settings is limited. The optimal service delivery model and distribution of clinical activities for home care pharmacists remain unclear. The primary objective was to describe the impact of a pharmacist based at a community home care office and providing home visits, group education, and telephone consultations. The secondary objective was to determine the utility of acute care clinical pharmacy key performance indicators (cpKPIs) in guiding home care pharmacy services, in the absence of validated cpKPIs for ambulatory care. The Winnipeg Regional Health Authority hired a pharmacist to develop and implement the pilot program from May 2015 to July 2016. A referral form, consisting of consultation criteria used in primary care practices, was developed. The pharmacist also reviewed all patient intakes and all patients waiting in acute care facilities for initiation of home care services, with the goal of addressing issues before admission to the Home Care Program. A password-protected database was built for data collection and analysis, and the data are presented in aggregate. A total of 197 referrals, involving 184 patients, were received during the pilot program; of these, 62 were excluded from analysis. The majority of referrals (95 [70.4%]) were for targeted medication reviews, and 271 drug therapy problems were identified. Acceptance rates for the pharmacist's recommendations were 90.2% (74 of 82 recommendations) among home care staff and 47.0% (55 of 117 recommendations) among prescribers and patients. On average, 1.5 cpKPIs were identified for each referral. The pilot program demonstrated a need for enhanced access to clinical pharmacy services for home care patients, although the best model of service provision remains unclear. More research

  16. 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

  17. 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

  18. 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

  19. Cardiovascular Disease Self-Management: Pilot Testing of an mHealth Healthy Eating Program

    Directory of Open Access Journals (Sweden)

    Leila Pfaeffli Dale

    2014-03-01

    Full Text Available Cardiac rehabilitation (CR is crucial in the management of cardiovascular disease (CVD, yet attendance is poor. Mobile technology (mHealth offers a potential solution to increase reach of CR. This paper presents two development studies to determine mobile phone usage in adults with CVD and to evaluate the acceptability of an mHealth healthy eating CR program. Methods: CR attendees were surveyed to determine mobile phone usage rates. A second single-subject pilot study investigated perceptions of a 4-week theory-based healthy eating mHealth program and explored pre-post changes in self-efficacy. Results: 74 adults with CVD completed the survey (50/74 male; mean age 63 ± 10. Nearly all had mobile phones (70/74; 95% and used the Internet (69/74; 93%, and most were interested in receiving CR by text message (57/74; 77%. 20 participants took part in the healthy eating pilot study. Participants read all/most of the text messages, and most (19/20 thought using mobile technology was a good way to deliver the program. The website was not widely used as visiting the website was reported to be time consuming. Exploratory t-tests revealed an increase in heart healthy eating self-efficacy post program, in particular the environmental self-efficacy subset (Mean = 0.62, SD = 0.74, p = 0.001. Conclusions: Text messaging was seen as a simple and acceptable way to deliver nutrition information and behavior change strategies; however, future research is needed to determine the effectiveness of such programs.

  20. The Stored Waste Examination Pilot Plant program at the INEL

    International Nuclear Information System (INIS)

    McKinley, K.B.; Anderson, B.C.; Clements, T.L.; Hinckley, J.P.; Mayberry, J.L.; Smith, T.H.

    1983-01-01

    Since 1970, defense transuranic waste has been placed into 20-year retrievable storage at the Radioactive Waste Management Complex at the Idaho National Engineering Laboratory (INEL). A major objective of the U.S. Department of Energy (DOE) Nuclear Waste Management Program is to remove all retrievably stored transuranic waste from the INEL. The January 1981 DOE Record of Decision on the Waste Isolation Pilot Plant (WIPP) stated, ''The WIPP facility will dispose of defense transuranic waste stored retrievably at the Idaho National Engineering Laboratory.'' After retrieval and before shipment, processing may be necessary to prepare the waste for acceptance, handling, and enhanced long-term isolation in the WIPP. However, some of the waste is certifiable to the WIPP waste acceptance criteria without container opening or waste processing. To minimize costs, the Stored Waste Examination Pilot Plant (SWEPP) is being developed to certify INEL stored transuranic waste without container opening or waste processing. The SWEPP certification concept is based on records assessment, nondestructive examination techniques, assay techniques, health physics examinations, and limited opening of containers at another facility for quality control

  1. Pilot demonstrations of arsenic treatment technologies in U.S. Department of Energy Arsenic Water Technology Partnership program.

    Energy Technology Data Exchange (ETDEWEB)

    Everett, Randy L.; Aragon, Alicia R.; Siegal Malcolm D.; Dwyer, Brian P.

    2005-01-01

    The Arsenic Water Technology Partnership program is a multi-year program funded by a congressional appropriation through the Department of Energy. The program is designed to move technologies from benchscale tests to field demonstrations. It will enable water utilities, particularly those serving small, rural communities and Indian tribes, to implement the most cost-effective solutions to their arsenic treatment needs. As part of the Arsenic Water Technology Partnership program, Sandia National Laboratories is carrying out field demonstration testing of innovative technologies that have the potential to substantially reduce the costs associated with arsenic removal from drinking water. The scope for this work includes: (1) Selection of sites and identification of technologies for pilot demonstrations; (2) Laboratory studies to develop rapid small-scale test methods; and (3) Pilot-scale studies at community sites involving side-by-side tests of innovative technologies. The goal of site selection is to identify sites that allow examination of treatment processes and systems under conditions that are relevant to different geochemical settings throughout the country. A number of candidate sites have been identified through reviews of groundwater quality databases, conference proceedings and discussions with state and local officials. These include sites in New Mexico, Arizona, Colorado, Oklahoma, Michigan, and California. Candidate technologies for the pilot tests are being reviewed through vendor forums, proof-of-principle benchscale studies managed by the American Water Works Association Research Foundation (AwwaRF) and the WERC design contest. The review considers as many potential technologies as possible and screens out unsuitable ones by considering data from past performance testing, expected costs, complexity of operation and maturity of the technology. The pilot test configurations will depend on the site-specific conditions such as access, power availability

  2. 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.

  3. 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...

  4. Government-sponsored microfinance program: Joint liability vs. individual liability

    Directory of Open Access Journals (Sweden)

    Arghya Kusum Mukherjee

    2014-12-01

    Full Text Available Swarnajayanti Gram Swarozgar Yojana (SGSY is a government-sponsored microfinance program. The scheme is based on four features: group lending with joint liability, progressive lending, back-ended subsidy, and social capital. We propose a new model of SGSY having these features: group lending with individual liability, progressive lending, back-ended subsidy, and social capital. “Joint liability” clause of the existing model is replaced with individual liability in the new model. The paper shows that problem of adverse selection is removed in both models, i.e. in “SGSY with group lending and joint liability” and “SGSY with group lending and individual liability.” The problem of “moral hazard” is more severe in the existing model of SGSY compared with the proposed model of SGSY. Borrowers are also benefitted from participation in the proposed scheme of SGSY than that in the existing model of SGSY.

  5. Adult hearing screening: the Cyprus Pilot Program

    Directory of Open Access Journals (Sweden)

    C. Thodi

    2011-03-01

    Full Text Available Hearing loss is the third most common condition affecting adults over 65 (Cruickshanks et al., 1998. It can affect quality of life, limiting the ability to communicate efficiently, and leading to isolation, psychological strain, and functional decline (LaForge, Spector, Sternberg, 1992; Yueh, Shapiro, MacLean, Shekelle, 2003. Communication limitations impinge on the person directly, as well as the family, friends, and social circle. Reports on hearing loss among adults indicate that less than 25% of people who can benefit from amplification are actually using hearing aids, and that people diagnosed with a hearing loss delay seeking amplification by about seven years (Kochkin, 1997. Often, family members are the driving force behind a person with a hearing loss who decides to seek help. Adult hearing screening programs might have a positive effect on raising public awareness on hearing loss and its implications, and shortening delay time for intervention. There is no routine hearing screening for the adult population in Cyprus. The health system provides hearing tests for beneficiaries upon physician recommendation or self-referral. The Cyprus pilot adult hearing screening program (ΑΠΑΣ- EVERYONE- Greek acronym for Screening- Intervention-Hearing-Participation to Life screened hearing in retired adults.

  6. Results of the Medicare Health Support disease-management pilot program.

    Science.gov (United States)

    McCall, Nancy; Cromwell, Jerry

    2011-11-03

    In the Medicare Modernization Act of 2003, Congress required the Centers for Medicare and Medicaid Services to test the commercial disease-management model in the Medicare fee-for-service program. The Medicare Health Support Pilot Program was a large, randomized study of eight commercial programs for disease management that used nurse-based call centers. We randomly assigned patients with heart failure, diabetes, or both to the intervention or to usual care (control) and compared them with the use of a difference-in-differences method to evaluate the effects of the commercial programs on the quality of clinical care, acute care utilization, and Medicare expenditures for Medicare fee-for-service beneficiaries. The study included 242,417 patients (163,107 in the intervention group and 79,310 in the control group). The eight commercial disease-management programs did not reduce hospital admissions or emergency room visits, as compared with usual care. We observed only 14 significant improvements in process-of-care measures out of 40 comparisons. These modest improvements came at substantial cost to the Medicare program in fees paid to the disease-management companies ($400 million), with no demonstrable savings in Medicare expenditures. In this large study, commercial disease-management programs using nurse-based call centers achieved only modest improvements in quality-of-care measures, with no demonstrable reduction in the utilization of acute care or the costs of care.

  7. A cognitive-behavioural program for adolescents with chronic pain-a pilot study.

    Science.gov (United States)

    Merlijn, Vivian P B M; Hunfeld, Joke A M; van der Wouden, Johannes C; Hazebroek-Kampschreur, Alice A J M; van Suijlekom-Smit, Lisette W A; Koes, Bart W; Passchier, Jan

    2005-11-01

    The purpose of this pilot study is to evaluate the feasibility of a cognitive-behavioural training program for adolescents with chronic pain irrespective of pain localisation. A secondary aim was to give an impression of the effect of the program on pain and quality of life. Eight adolescents (14-18 years) with chronic non-organic pain recruited from the general population (and their parents) participated in this pilot study. The intervention included five group meetings alternated with four telephone contacts (during the self-management weeks) over a period of 9 weeks. The training aimed to change pain behaviour through pain education, relaxation strategies, problem-solving techniques, assertiveness training, cognitive restructuring and by stimulating the adolescent's physical activity level. The training further addresses the social context of pain by inviting parents to attend two meetings for the parents only, and by asking the adolescents to bring a peer to one of the meetings. Adolescents and their parents were positive about the program. Adolescents felt they were more in control of their pain and parents valued the support they experienced in helping their children to master the pain. The training was considered to be feasible in daily life. Further, the preliminary data showed an effect on pain and quality of life in the expected direction. The results underline the need for a definitive study with a larger sample size and a random controlled design.

  8. 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...

  9. 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...

  10. Greenbelt Homes Pilot Program: Summary of Building Envelope Retrofits, Planned HVAC Equipment Upgrades, and Energy Savings

    Energy Technology Data Exchange (ETDEWEB)

    Wiehagen, J. [Partnership for Home Innovation, Upper Marlboro, MD (United States); Del Bianco, M. [Partnership for Home Innovation, Upper Marlboro, MD (United States); Mallay, D. [Partnership for Home Innovation, Upper Marlboro, MD (United States)

    2015-05-01

    In the fall of 2010, a multiyear pilot energy efficiency retrofit project was undertaken by Greenbelt Homes, Inc, (GHI) a 1,566 home cooperative of circa 1930 and 1940 homes in Greenbelt, Maryland. GHI established this pilot project to serve as a basis for decision making for the rollout of a decade-long community-wide upgrade program that will incorporate energy efficiency improvements to the building envelope and mechanical equipment. It presents a unique opportunity to evaluate and prioritize the wide-range of benefits of high-performance retrofits based on member experience with and acceptance of the retrofit measures implemented during the pilot project. Addressing the complex interactions between benefits, trade-offs, construction methods, project management implications, realistic upfront costs, financing, and other considerations, serves as a case study for energy retrofit projects to include high-performance technologies based on the long-term value to the homeowner. The pilot project focused on identifying the added costs and energy savings benefits of improvements.

  11. Pilot Feasibility Study of an Oncology Financial Navigation Program.

    Science.gov (United States)

    Shankaran, Veena; Leahy, Tony; Steelquist, Jordan; Watabayashi, Kate; Linden, Hannah; Ramsey, Scott; Schwartz, Naomi; Kreizenbeck, Karma; Nelson, Judy; Balch, Alan; Singleton, Erin; Gallagher, Kathleen; Overstreet, Karen

    2018-02-01

    Few studies have reported on interventions to alleviate financial toxicity in patients with cancer. We developed a financial navigation program in collaboration with our partners, Consumer Education and Training Services (CENTS) and Patient Advocate Foundation (PAF), to improve patient knowledge about treatment costs, provide financial counseling, and to help manage out-of-pocket expenses. We conducted a pilot study to assess the feasibility and impact of this program. Patients with cancer received a financial education course followed by monthly contact with a CENTS financial counselor and a PAF case manager for 6 months. We measured program adherence, self-reported financial burden and anxiety, program satisfaction, and type of assistance provided. Thirty-four patients (median age, 60.5 years) were consented (85% white and 50% commercially insured). Debt, income declines, and loans were reported by 55%, 55%, and 30% of patients, respectively. CENTS counselors assisted most often with budgeting, retirement planning, and medical bill questions. PAF case managers assisted with applications for appropriate insurance coverage, cost of living issues (eg, housing, transportation), and disability applications. High financial burden and anxiety about costs (4 or 5 on a Likert scale) were reported at baseline by 37% and 47% of patients, respectively. Anxiety about costs decreased over time in 33% of patients, whereas self-reported financial burden did not substantially change. Implementing an oncology financial navigation program is feasible, provides concrete assistance in navigating the cost of care, and mitigates anxiety about costs in a subset of patients. Future work will focus on measuring the program's impact on financial and clinical outcomes.

  12. Design and Implementation of a Pilot Obesity Prevention Program in a Low-Resource School: Lessons Learned and Research Recommendations

    Science.gov (United States)

    Baskin, Monica L.; Zunker, Christie; Worley, Courtney B.; Dial, Brenda; Kimbrough, Linda

    2009-01-01

    Purpose: This paper seeks to describe the design, implementation, and lessons learned from an obesity prevention pilot program delivered in a low resource school in the USA. Design/methodology/approach: A planned program evaluation was conducted to: document explicitly the process of designing and implementing the program; and assess the…

  13. Single-Pilot Workload Management

    Science.gov (United States)

    Rogers, Jason; Williams, Kevin; Hackworth, Carla; Burian, Barbara; Pruchnicki, Shawn; Christopher, Bonny; Drechsler, Gena; Silverman, Evan; Runnels, Barry; Mead, Andy

    2013-01-01

    Integrated glass cockpit systems place a heavy cognitive load on pilots (Burian Dismukes, 2007). Researchers from the NASA Ames Flight Cognition Lab and the FAA Flight Deck Human Factors Lab examined task and workload management by single pilots. This poster describes pilot performance regarding programming a reroute while at cruise and meeting a waypoint crossing restriction on the initial descent.

  14. 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...

  15. An independent investigation into the deployment of the federal communications commissions' rural health care pilot program.

    Science.gov (United States)

    Whitten, Pamela; Holtz, Bree; Laplante, Carolyn; Alverson, Dale; Krupinski, Elizabeth

    2010-12-01

    the goal of this study was to provide an independent and objective evaluation of the implementation of the Federal Communications Commission's Rural Health Care Pilot Program. thirty-nine of the programs that were provided funding through this program were interviewed and asked about their project deployment, network planning, and the involvement of their state in implementation. RESULTS showed that programs recruited project team members from a variety of fields to fulfill different roles. Network partners were often chosen because they were stakeholders in the outcome of the project and because they had a past working relationship with the grant-receiving programs. In terms of deployment, many programs had made progress in filling out necessary paperwork and were tracking milestones, but had experienced changes since first receiving funding, such as losing participants. Additionally, many encountered challenges that inhibited deployment, such as coping with rule fluctuations. Many of the programs received support from their respective state governments in project development, often through matching funds, but few states were involved in the actual management of projects. as rural healthcare facilities often lack the information technology infrastructure compared with many urban facilities, it is important to understand the implementation process for programs such as the Rural Health Care Pilot Program and to examine what contributes to progress, stagnation, or disintegration. Although the programs reported some success, almost all had encountered challenges that inhibited implementation. A follow-up study is planned to further investigate deployment and determine the implications of Federal Communications Commission funding.

  16. 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.

  17. 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.

  18. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    International Nuclear Information System (INIS)

    1993-01-01

    The DOE has mandated in DOE Order 5400.1 that its operations will be conducted in an environmentally safe manner. The Waste Isolation Pilot Plant (WIPP) will comply with DOE Order 5400.1 and will conduct its operations in a manner that ensures the safety of the environment and the public. This document outlines how the WIPP will protect and preserve groundwater within and surrounding the WIPP facility. Groundwater protection is just one aspect of the WIPP environmental protection effort. The WIPP groundwater surveillance program is designed to determine statistically if any changes are occurring in groundwater characteristics within and surrounding the WIPP facility. If a change is noted, the cause will be determined and appropriate corrective action initiated

  19. Net Zero Pilot Program Lights the Path to Big Savings in Guam

    Energy Technology Data Exchange (ETDEWEB)

    PNNL

    2016-11-03

    Case study describes how the Army Reserve 9th Mission Support Command (MSC) reduced lighting energy consumption by 62% for a total savings of 125,000 kWh and more than $50,000 per year by replacing over 400 fluorescent troffers with 36 W LED troffers. This project was part of the Army Reserve Net Zero Pilot Program, initiated in 2013, to reduce energy and water consumption, waste generation, and utility costs.

  20. The New Hampshire retail competition pilot program and the role of green marketing

    Energy Technology Data Exchange (ETDEWEB)

    Holt, E.A. [Ed Holt and Associates, Inc. (United States); Fang, J.M. [National Renewable Energy Lab., Golden, CO (United States)

    1997-11-01

    Most states in the US are involved in electric industry restructuring, from considering the pros and cons in regulatory dockets to implementing legislative mandates for full restructuring and retail access for all consumers. Several states and utilities have initiated pilot programs in which multiple suppliers or service providers may compete for business and some utility customers can choose among competing suppliers. The State of New Hampshire has been experimenting with a pilot program, mandated by the State Legislature in 1995 and implemented by the New Hampshire Public Utilities Commission (NHPUC), before it implements full retail access. Green marketing, an attempt to characterize the supplier or service provider as environmentally friendly without referring to the energy resource used to generate electricity, was used by several suppliers or service providers to attract customers. This appeal to environmental consumerism was moderately successful, but it raised a number of consumer protection and public policy issues. This issue brief examines the marketing methods used in New Hampshire and explores what green marketing might mean for the development of renewable energy generation. It also addresses the issues raised and their implications.

  1. 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.

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

    CERN Multimedia

    2002-01-01

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

  3. 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.

  4. 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

  5. Connected vehicle pilot deployment program phase I : security management operational concept, Tampa Hillsborough Expressway Authority (THEA).

    Science.gov (United States)

    2016-05-01

    The Tampa Hillsborough Expressway Authority (THEA) Connected Vehicle (CV) Pilot Deployment Program is intended to develop a suite of applications that utilize vehicle to infrastructure (V2I) and vehicle to vehicle (V2V) communication technology to re...

  6. Effectiveness of an integrated handwriting program for first-grade students: a pilot study.

    Science.gov (United States)

    Case-Smith, Jane; Holland, Terri; Bishop, Beth

    2011-01-01

    We developed and piloted a program for first-grade students to promote development of legible handwriting and writing fluency. The Write Start program uses a coteaching model in which occupational therapists and teachers collaborate to develop and implement a handwriting-writing program. The small-group format with embedded individualized supports allows the therapist to guide and monitor student performance and provide immediate feedback. The 12-wk program was implemented with 1 class of 19 students. We administered the Evaluation of Children's Handwriting Test, Minnesota Handwriting Assessment, and Woodcock-Johnson Fluency and Writing Samples test at baseline, immediately after the Write Start program, and at the end of the school year. Students made large, significant gains in handwriting legibility and speed and in writing fluency that were maintained at 6-mo follow-up. The Write Start program appears to promote handwriting and writing skills in first-grade students and is ready for further study in controlled trials.

  7. A pilot study of a weight management program with food provision in schizophrenia.

    Science.gov (United States)

    Jean-Baptiste, Michel; Tek, Cenk; Liskov, Ellen; Chakunta, Umesh Rao; Nicholls, Sarah; Hassan, Akm Q; Brownell, Kelly D; Wexler, Bruce E

    2007-11-01

    Obesity is a serious medical problem that disproportionately affects people with severe mental illness. Behavioral strategies aimed at lifestyle modification have proven effective for weight loss in general population but have not been studied adequately among persons with schizophrenia. We have conducted a randomized controlled pilot trial of an established weight loss program, modified for this specific population, and supplemented with a novel food replacement program, as well as practical, community based teaching of shopping and preparing healthy food. The program not only arrested weight gain, and produced meaningful weight loss, but also weight loss continued 6 months after the intervention is completed. Cognitive impairment had no bearing to the extent a participant benefited from the program. As a conclusion, well designed simple behavioral programs can produce lasting weight loss for patients with schizophrenia and comorbid obesity, improve metabolic indices, and possibly decrease significant medical risks associated with obesity.

  8. The integrated in situ testing program for the Waste Isolation Pilot Plant (WIPP)

    International Nuclear Information System (INIS)

    Matalucci, R.V.

    1987-03-01

    The US Department of Energy (DOE) is developing the Waste Isolation Pilot Plant (WIPP) Project in southeastern New Mexico as a research and development (R and D) facility for examining the response of bedded (layered) salt to the emplacement of radioactive wastes generated from defense programs. The WIPP Experimental Program consists of a technology development program, including laboratory testing and theoretical analysis activities, and an in situ testing program that is being done 659 m underground at the project site. This experimental program addresses three major technical areas that concern (1) thermal/structural interactions, (2) plugging and sealing, and (3) waste package performance. To ensure that the technical issues involved in these areas are investigated with appropriate emphasis and timing, an in situ testing plan was developed to integrate the many activities and tasks associated with the technical issues of waste disposal. 5 refs., 4 figs

  9. Telephone-administered cognitive-behavioral therapy for clients with depressive symptoms in an employee assistance program: a pilot study.

    Science.gov (United States)

    Lam, Raymond W; Lutz, Kevin; Preece, Melady; Cayley, Paula M; Bowen Walker, Anne

    2011-02-01

    To assess the clinical and work productivity effects of a brief intervention using telephone-administered cognitive-behavioral therapy (CBT) for clients with depressive symptoms attending an employee assistance program (EAP). Self-referred clients attending the PPC Canada EAP with clinically relevant depressive symptoms at initial assessment were offered an 8-session telephone-administered CBT program. Outcomes before and after intervention were assessed with the 9-item Personal Health Questionnaire (PHQ-9), Global Assessment of Functioning (GAF), and clinician ratings of work absence and performance impairment. Fifty clients were referred to the pilot program; 39 participated and 31 completed the telephone CBT program. Among program participants, there was significant improvement in PHQ-9 and GAF scores. There was also a significant reduction in performance impairment but not work absence. Anecdotal reports indicated high satisfaction ratings among participants. The results of this pilot study, although limited by the absence of a comparison or control group, suggest that a brief telephone-administered CBT program can improve depressive symptomatology, work productivity, and general function in depressed clients attending an EAP. Further controlled studies are needed to confirm these preliminary findings.

  10. Character Development Pilot Evaluation of Two Programs for Youth with Chronic Illness

    Directory of Open Access Journals (Sweden)

    Gary Maslow

    2016-05-01

    Full Text Available This article describes the pilot evaluation of two Positive Youth Development (PYD programs for youth with child onset chronic illness (COCI, reporting how the programs influenced participants’ character development. College students with COCI led high school students with COCI through activities pertaining to different aspects of growing up with a chronic illness. Participants completed the Positive Youth Development Inventory-Short Form (PYDI-S, which measures seven domains of youth perceptions of the contribution to their development from the program. Participants reported that both programs helped them the most with personal standards, which corresponds well to character development on the full version of the Positive Youth Development Inventory (PYDI. They also had high scores on prosocial behavior and future orientation, both important domains for character development. We discuss the idea that interventions promoting character development for youth with COCI are critical for promoting a positive narrative for chronically-ill youth, their parents, and society.

  11. Cross-Cultural Perspectives After Participation in the YES Program: A Pilot Study

    Directory of Open Access Journals (Sweden)

    Vanessa E. Fuentes

    2016-05-01

    Full Text Available Abstract:  Guided by empowerment and ecological theories, the Youth Empowerment Solutions (YES program facilitates character development through activities based in cultural differences, team building, and social change. This pilot study consisted of two focus groups (n = 13 of middle school youth conducted after their participation in an abbreviated version of the YES program. Specifically, the present study examined youth’s cross-cultural perspectives after participation. The focus groups were transcribed and coded for emergent themes using Heaton’s (2005 supplementary data analysis framework. Qualitative analysis resulted in two emergent themes: 1 enhanced appreciation for similarities and differences in cultural and ethnic backgrounds, and 2 the role of respect in understanding differences and confronting stereotypes. Specifically, youth reported that engagement in this program fostered positive awareness of cultural differences and respect for inter-ethnic relationships. The findings provide support for the benefits of the YES program on moral development and promotion of healthy peer relationships.

  12. The effects of display and autopilot functions on pilot workload for Single Pilot Instrument Flight Rule (SPIFR) operations

    Science.gov (United States)

    Hoh, Roger H.; Smith, James C.; Hinton, David A.

    1987-01-01

    An analytical and experimental research program was conducted to develop criteria for pilot interaction with advanced controls and displays in single pilot instrument flight rules (SPIFR) operations. The analytic phase reviewed fundamental considerations for pilot workload taking into account existing data, and using that data to develop a divided attention SPIFR pilot workload model. The pilot model was utilized to interpret the two experimental phases. The first experimental phase was a flight test program that evaluated pilot workload in the presence of current and near-term displays and autopilot functions. The second experiment was conducted on a King Air simulator, investigating the effects of co-pilot functions in the presence of very high SPIFR workload. The results indicate that the simplest displays tested were marginal for SPIFR operations. A moving map display aided the most in mental orientation, but had inherent deficiencies as a stand alone replacement for an HSI. Autopilot functions were highly effective for reducing pilot workload. The simulator tests showed that extremely high workload situations can be adequately handled when co-pilot functions are provided.

  13. The evolution of the Waste Isolation Pilot Plant (WIPP) project's public affairs program

    International Nuclear Information System (INIS)

    Walter, L.H.

    1988-01-01

    As a first-of-a-kind facility, the Waste Isolation Pilot Plant (WIPP) presents a unique perspective on the value of designing a public affairs program that grown with and complements a project's evolution from construction to operations. Like the project itself, the public affairs programs progressed through several stages to its present scope. During the construction phase, foundations were laid in the community. Then, in this past year as the project entered a preoperational status, emphasis shifted to broaden the positive image that had been created locally. In this stage, public affairs presented the project's positive elements to the various state agencies, government officials, and federal organizations involved in our country's radioactive waste management program. Most recently, and continuing until receipt of the first shipment of waste in October 1988, an even broader, more aggressive public affairs program is planned

  14. Kvanefjeld refinery pilot plant operations

    International Nuclear Information System (INIS)

    Krebs, Damien; Furfaro, Domenic

    2016-01-01

    Greenland Minerals and Energy is a junior project development company which is listed on the Australian Stock Exchange (asx:GGG). It is developing the Kvanefjeld rare earth and uranium project located in the southern tip of Greenland. The project has completed a Feasibility Study and is currently in the permitting phase. Last year was a busy time for the company as it completed a Feasibility Study, a mining licence application (draft submitted in December 2015) and pilot plant operations. Beneficiation pilot plant operations were completed at GTK in Finland in April 2015. This pilot plant treated approximately 30 tonnes of ore to producing almost 2 tonnes of rare earth mineral concentrate. Later in the year a hydrometallurgical pilot plant was performed which mimicked the Refinery process. This pilot plant was performed at Outotec’s Pori Research laboratories in Finland from September till October 2015. The pilot plant treated approximately 200 kilograms of concentrate over 4 split operating campaigns. Each campaign was performed to focus on the performance of a specific part of the refinery flowsheet. This allowed for full operating focus on a single unit operation to ensure that it was operating correctly. The pilot plant operations were quite successful with no major issues with the flowsheet identified through continuous operation. Some fine tuning of conditions was required to ensure adequate removal of impurities was performed with recycle streams incorporated. Overall the leach extractions observed in the pilot plant exceeded the design assumptions in the Feasibility Study. These programs were partially funded by the EURARE program. The EURARE program aims to encourage the sustainable development of European based rare earth projects. This has the goal of allowing Europe to become less reliant on importation of these key raw materials. The professionalism and performance of both GTK and Outotec contributed significantly to the success of the pilot plant

  15. 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

  16. Effectiveness of a Home-Based Postal and Telephone Physical Activity and Nutrition Pilot Program for Seniors

    Directory of Open Access Journals (Sweden)

    Andy H. Lee

    2011-01-01

    Results. The program elicited favourable responses. Postintervention walking for exercise/recreation showed an average gain of 27 minutes per week for the participants in contrast to an average drop of 5 minutes for the controls (P.05 compared to controls (n=134. Conclusions. The participants became more aware of their health and wellbeing after the pilot program, which was successful in increasing time spent walking for recreation and improving fibre intake.

  17. Analysis of Tobyhanna Army Depot's Radio Frequency Identification (RFID) Pilot Program: RFID as an Asset Management Tool

    National Research Council Canada - National Science Library

    Miertschin, Keith W; Forrest, Brian D

    2005-01-01

    ...) used for inventory and asset management at the Tobyhanna Army Maintenance Depot. Tobyhanna Army Depot recently partnered with WhereNet Corporation for a pilot program to incorporate a real-time locating system that uses RFID...

  18. 76 FR 56272 - Pilot Project on NAFTA Trucking Provisions

    Science.gov (United States)

    2011-09-12

    ...-0097] Pilot Project on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration... that have applied to participate in the Agency's long- haul pilot program to test and demonstrate the... cross-border long-haul trucking pilot program to test and demonstrate the ability of Mexico-domiciled...

  19. Effectiveness of an Intensive Handwriting Program for First Grade Students Using the Application Letterschool: A Pilot Study

    Science.gov (United States)

    Jordan, Géraldine; Michaud, Fanny; Kaiser, Marie-Laure

    2016-01-01

    The purpose of this pilot study is to analyze the efficacy of a program that combines fine motor activities, animated models, exercises on a digital tablet and paper-pencil exercises. The 10-week program with a 45-minute session and daily exercises was implemented in a class of 16 students of first grade (mean age = 6.9 years old), with another…

  20. 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...

  1. 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...

  2. 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.

  3. 76 FR 56868 - Pilot Project on NAFTA Trucking Provisions

    Science.gov (United States)

    2011-09-14

    ...-0097] Pilot Project on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration... that have applied to participate in the Agency's long- haul pilot program to test and demonstrate the... proceed with the initiation of a U.S.-Mexico cross-border long-haul trucking pilot program to test and...

  4. 76 FR 73765 - Pilot Project on NAFTA Trucking Provisions

    Science.gov (United States)

    2011-11-29

    ...-0097] Pilot Project on NAFTA Trucking Provisions AGENCY: Federal Motor Carrier Safety Administration... that have applied to participate in the Agency's long- haul pilot program to test and demonstrate the... proceed with the initiation of a U.S.-Mexico cross-border long-haul trucking pilot program to test and...

  5. Communication Skills Training in Ophthalmology: Results of a Needs Assessment and Pilot Training Program.

    Science.gov (United States)

    Mishra, Anuradha; Browning, David; Haviland, Miriam J; Jackson, Mary Lou; Luff, Donna; Meyer, Elaine C; Talcott, Katherine; Kloek, Carolyn E

    To conduct a needs assessment to identify gaps in communication skills training in ophthalmology residency programs and to use these results to pilot a communication workshop that prepares residents for difficult conversations. A mixed-methods design was used to perform the needs assessment. A pre-and postsurvey was administered to workshop participants. Mass Eye and Ear Infirmary, Harvard Medical School (HMS), Department of Ophthalmology. HMS ophthalmology residents from postgraduate years 2-4 participated in the needs assessment and the workshop. Ophthalmology residency program directors in the United States participated in national needs assessment. Ophthalmology program directors across the United States were queried on their perception of resident communication skills training through an online survey. A targeted needs assessment in the form of a narrative exercise captured resident perspectives on communication in ophthalmology from HMS residents. A group of HMS residents participated in the pilot workshop and a pre- and postsurvey was administered to participants to assess its effectiveness. The survey of program directors yielded a response rate of 40%. Ninety percent of respondents agreed that the communication skills training in their programs could be improved. Fifteen of 24 residents (62%) completed the needs assessment. Qualitative analysis of the narrative material revealed four themes; (1) differing expectations, (2) work role and environment, (3) challenges specific to ophthalmology, and (4) successful strategies adopted. Nine residents participated in the workshop. There was a significant improvement post-workshop in resident reported scores on their ability to manage their emotions during difficult conversations (p = 0.03). There is an opportunity to improve communication skills training in ophthalmology residency through formalized curriculum. Copyright © 2017 Association of Program Directors in Surgery. Published by Elsevier Inc. All rights

  6. 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...

  7. Evaluation of the US Department of Energy Weatherization Innovation Pilot Program (2010-2014)

    Energy Technology Data Exchange (ETDEWEB)

    Tonn, Bruce Edward [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Rose, Erin M. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Hawkins, Beth A. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States)

    2017-05-01

    This report contains results from analysis conducted on each of the Weatherization Innovation Pilot Program (WIPP) grants awarded to 16 organizations by the US Department of Energy (DOE) in 2010. The purpose of WIPP was to explore the potential adoptability or replicability of innovative processes or technologies for the enhancement of DOE’s Weatherization Assistance Program (WAP). DOE initiated the WIPP grant to accelerate effective innovations in home energy efficiency and other WAP mission-related goals for income-qualifying households of low socioeconomic status. This study was performed alongside a broader, national evaluation of WAP conducted by Oak Ridge National Laboratory (ORNL) for DOE.

  8. Evaluation of Bikers Against Child Abuse (BACA) program: A community intervention for child abuse victims.

    Science.gov (United States)

    Ray, Dee C; Lilly, J P; Gallina, Nancy; MacIan, Paula; Wilson, Brittany

    2017-12-01

    Children who have experienced physical abuse benefit from a multitude of community interventions including support programs to address emotional and behavioral stability. This pilot study evaluated the services of Bikers Against Child Abuse (BACA), a community of bikers lending intervention to abused children, using a pre/post exploratory design. Participants (N=154) were children who had been referred by parents/guardians for current or past physical and/or sexual abuse. Parents/guardians of children were interviewed four times over a course of one year. Results indicated children demonstrated substantial improvements in their overall levels of emotional distress, conduct concerns, hyperactivity, and behavioral and emotional functioning. Overall, results support the premise that services provided by BACA may serve as a unique intervention for children who have experienced abuse. Copyright © 2017 Elsevier Ltd. All rights reserved.

  9. 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

  10. Greenbelt Homes Pilot Energy Efficiency Program Phase 1 Summary. Existing Conditions and Baseline Energy Use

    Energy Technology Data Exchange (ETDEWEB)

    Wiehagen, J. [NAHB Research Center, Upper Marlboro, MD (United States); Del Bianco, M. [NAHB Research Center, Upper Marlboro, MD (United States); Wood, A. [NAHB Research Center, Upper Marlboro, MD (United States)

    2013-02-01

    A multi-year pilot energy efficiency retrofit project has been undertaken by Greenbelt Homes, Inc, (GHI) a 1,566 co-operative of circa 1930 and '40 homes. The three predominate construction methods of the townhomes in the community are materials common to the area and climate zone including 8” CMU block, wood frame with brick veneer and wood frame with vinyl siding. GHI has established a pilot project that will serve as a basis for decision making for the roll out of a decade-long community upgrade program that will incorporate energy efficiency to the building envelope and equipment with the modernization of other systems like plumbing, mechanical equipment, and cladding.

  11. Greenbelt Homes Pilot Energy Efficiency Program Phase 1 Summary: Existing Conditions and Baseline Energy Use

    Energy Technology Data Exchange (ETDEWEB)

    Wiehagen, J.; Del Bianco, M.; Wood, A.

    2013-02-01

    A multi-year pilot energy efficiency retrofit project has been undertaken by Greenbelt Homes, Inc, (GHI) a 1,566 co-operative of circa 1930 and '40 homes. The three predominate construction methods of the townhomes in the community are materials common to the area and climate zone including 8" CMU block, wood frame with brick veneer and wood frame with vinyl siding. GHI has established a pilot project that will serve as a basis for decision making for the roll out of a decade-long community upgrade program that will incorporate energy efficiency to the building envelope and equipment with the modernization of other systems like plumbing, mechanical equipment, and cladding.

  12. 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...

  13. Collateral and its Substitutes in Emerging Markets' Lending

    OpenAIRE

    Lukas Menkhoff; Doris Neuberger; Ornsiri Rungruxsirivorn

    2011-01-01

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

  14. 77 FR 12312 - Electronic Submission of Nonclinical Study Data; Notice of Pilot Project

    Science.gov (United States)

    2012-02-29

    ...] Electronic Submission of Nonclinical Study Data; Notice of Pilot Project AGENCY: Food and Drug Administration... and Research (CBER) is announcing an invitation to participate in a pilot evaluation program to test.... Participation in the pilot program is open to all sponsors. The pilot program is intended to provide industry...

  15. 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...

  16. Pilot evaluation of the text4baby mobile health program

    Directory of Open Access Journals (Sweden)

    Evans William Douglas

    2012-11-01

    Full Text Available Abstract Background Mobile phone technologies for health promotion and disease prevention have evolved rapidly, but few studies have tested the efficacy of mobile health in full-fledged programs. Text4baby is an example of mobile health based on behavioral theory, and it delivers text messages to traditionally underserved pregnant women and new mothers to change their health, health care beliefs, practices, and behaviors in order to improve clinical outcomes. The purpose of this pilot evaluation study is to assess the efficacy of this text messaging campaign. Methods We conducted a randomized pilot evaluation study. All participants were pregnant women first presenting for care at the Fairfax County, Virginia Health Department. We randomized participants to enroll in text4baby and receive usual health care (intervention, or continue simply to receive usual care (control. We then conducted a 24-item survey by telephone of attitudes and behaviors related to text4baby. We surveyed participants at baseline, before text4baby was delivered to the intervention group, and at follow-up at approximately 28 weeks of baby’s gestational age. Results We completed 123 baseline interviews in English and in Spanish. Overall, the sample was predominantly of Hispanic origin (79.7% with an average age of 27.6 years. We completed 90 follow-up interviews, and achieved a 73% retention rate. We used a logistic generalized estimating equation model to evaluate intervention effects on measured outcomes. We found a significant effect of text4baby intervention exposure on increased agreement with the attitude statement “I am prepared to be a new mother” (OR = 2.73, CI = 1.04, 7.18, p = 0.042 between baseline and follow-up. For those who had attained a high school education or greater, we observed a significantly higher overall agreement to attitudes against alcohol consumption during pregnancy (OR = 2.80, CI = 1.13, 6.90, p = 0.026. We also observed a

  17. State Clean Energy Policies Analysis: State, Utility, and Municipal Loan Programs

    Energy Technology Data Exchange (ETDEWEB)

    Lantz, E.

    2010-05-01

    High initial costs can impede the deployment of clean energy technologies. Financing can reduce these costs. And, state, municipal, and utility-sponsored loan programs have emerged to fill the gap between clean energy technology financing needs and private sector lending. In general, public loan programs are more favorable to clean energy technologies than are those offered by traditional lending institutions; however, public loan programs address only the high up-front costs of clean energy systems, and the technology installed under these loan programs rarely supports clean energy production at levels that have a notable impact on the broader energy sector. This report discusses ways to increase the impact of these loan programs and suggests related policy design considerations.

  18. A Drawing and Multi-Representational Computer Environment for Beginners' Learning of Programming Using C: Design and Pilot Formative Evaluation

    Science.gov (United States)

    Kordaki, Maria

    2010-01-01

    This paper presents both the design and the pilot formative evaluation study of a computer-based problem-solving environment (named LECGO: Learning Environment for programming using C using Geometrical Objects) for the learning of computer programming using C by beginners. In its design, constructivist and social learning theories were taken into…

  19. 75 FR 78730 - Federal Housing Administration (FHA): Notice of FHA PowerSaver Home Energy Retrofit Loan Pilot...

    Science.gov (United States)

    2010-12-16

    ... Administration (FHA): Notice of FHA PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Period... proposal to conduct an FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program or Pilot Program... Efficient Mortgage Innovation pilot program targeted to the single family housing market, and the Retrofit...

  20. A Pilot Study Examining the Effectiveness of the PEERS Program on Social Skills and Anxiety in Adolescents with Autism Spectrum Disorder.

    Science.gov (United States)

    Hill, Trenesha L; Gray, Sarah A O; Baker, Courtney N; Boggs, Koren; Carey, Elizabeth; Johnson, Corinn; Kamps, Jodi L; Varela, R Enrique

    2017-10-01

    The Program for the Evaluation of the Enrichment of Relational Skills (PEERS), a social skills intervention for high functioning adolescents with autism spectrum disorder (ASD), has been proven efficacious in randomized control trials. However, the effectiveness of the PEERS program in community settings has not been studied. The present small-scale pilot study examined the effectiveness of the PEERS program in a community setting. Five adolescents and their caregivers participated in the PEERS intervention. Results indicated that the adolescents showed significant improvement in their social engagement, social cognition, social communication, social motivation, and knowledge of PEERS skills and concepts from pre- to post-intervention. Furthermore, adolescents showed significant reductions in their internalizing and autistic symptoms from pre- to post-intervention. The findings from this small-scale pilot study support the effectiveness of the PEERS program in community-based settings.

  1. Pilot Testing for Feasibility in a Study of Student Retention and Attrition in Online Undergraduate Programs

    Science.gov (United States)

    Fraser, Joy; Fahlman, Dorothy; Arscott, Jane; Guillot, Isabelle

    2018-01-01

    Prior to undertaking a descriptive study on attrition and retention of students in two online undergraduate health administration and human service programs, a pilot test was conducted to assess the procedures for participant recruitment, usability of the survey questionnaire, and data collection processes. A retention model provided the…

  2. The development of the Waste Isolation Pilot Plant (WIPP) project's public affairs program

    International Nuclear Information System (INIS)

    Walter, L.H.

    1988-01-01

    The Waste Isolation Pilot Plant (WIPP) offers a perspective on the value of designing flexibility into a public affairs program to enable it to grow with and complement a project's evolution from construction through to operations. This paper discusses how the WIPP public affairs program progressed through several stages to its present scope. During the WIPP construction phase, the public affairs program laid a foundation for Project acceptance in the community. A speaker's bureau, a visitors program, and various community outreach and support programs emphasized the educational and socioeconomic benefits of having this controversial project in Carlsbad. Then, in this past year as the project entered a preoperational status, the public affairs program emphasis shifted to broaden the positive image that had been created locally. In this stage, the program promoted the project's positive elements with the various state agencies, government officials, and federal organizations involved in our country's radioactive waste management and transportation program. Currently, an even broader, more aggressive public affairs program is planned. During this stage public affairs will be engaged in a comprehensive institutional and outreach program, explaining and supporting WIPP's mission in each of the communities and agencies affected by the operation of the country's first geologic repository

  3. BWR control rod drive scram pilot valve monitoring program

    International Nuclear Information System (INIS)

    Soden, R.A.; Kelly, V.

    1986-01-01

    The control rod drive system in a Boiling Water Reactor is the most important safety system in the power plant. All components of the system can be verified except the solenoid operated, scram pilot valves without scramming a rod. The pilot valve mechanical works is the weak link to the control rod drive system. These pilot valves control the hydraulic system which applies pressure to the insert side of the control rod piston and vents the withdraw side of the piston causing the rods to insert during a scram. The only verification that the valve is operating properly is to scram the rod. The concern for this portion of the system is demonstrated by the high number of redundant components and complete periodic testing of the electrical circuits. The pilot valve can become hung-up through wear, fracture of internal components, mechanical binding, foreign material or chemicals left in the valve during maintenance, etc. If the valve becomes hung-up the electrical tests performed will not indicate this condition and scramming the rod is in jeopardy. Only an attempt to scram a rod will indicate the hung-up valve. While this condition exists the rod is considered inoperative. This paper describes a system developed at a nuclear power plant that monitors the pilot valves on the control rod drive system. This system utilizes pattern recognition to assure proper internal workings of the scram pilot valves to plant operators. The system is totally automatic such that each time the valve is operated on a half scram, a printout is available to the operator along with light indication that each of the 370 valves (on one unit of a BWR) is operating properly. With this monitoring system installed, all components of the control rod drive system including the solenoid pilot valves can be verified as operational without scramming any rods

  4. The evaluation of a culturally appropriate, community-based lifestyle intervention program for elderly Chinese immigrants with chronic diseases: a pilot study.

    Science.gov (United States)

    Lu, Yifan; Dipierro, Moneika; Chen, Lingjun; Chin, Richard; Fava, Maurizio; Yeung, Albert

    2014-03-01

    The 'Healthy Habits Program' is a 6-month community-based program, which offers exercise facilities, training and weekly health education group to underserved elderly Chinese Americans with chronic medical diseases in their native languages. This pilot study evaluates the acceptability and the health effects of the 'Healthy Habits Program'. Ninety-nine subjects participated in the 'Healthy Habits Program' in 2011. Before and after the program, the participants were assessed in their physical and mental health using various fitness tests as well as measures of disability and psychological functioning. Participants provided overwhelmingly positive feedback on the program, which was associated with significant improvements in physical and mental health including a significant decrease in body mass index (BMI), blood pressure and increase in stamina. The participants reported lower mean scores on the Patient Health Questionnaire-9 item Scale (PHQ-9), indicating improved psychological well-being. These promising pilot study results from this lifestyle intervention program for elderly Chinese American immigrants with chronic diseases inform the design of a more definitive trial using a randomized design and larger sample size.

  5. 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...

  6. 75 FR 47269 - Pilot Program for Waiver of Patent Owner's Statement in Ex Parte Reexamination Proceedings

    Science.gov (United States)

    2010-08-05

    ...). In the instant notice, the USPTO is implementing a pilot program in which patent owners may waive the.... The telephone communication will be limited to the CRU requesting the waiver of the patent owner's... to complete a written statement of the telephone communication under 37 CFR 1.560(b) or otherwise...

  7. National Spill Control School. A pilot program in environmental training. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Oberholtzer, G.R.; Acuff, J.T.

    1980-01-01

    Increased environmental awareness and the amended Federal Water Pollution Control Act of 1972 required an increased level of expertise by the American Public in the field of oil spill prevention and control. The National Spill Control School was created at Corpus Christi State University to help meet this need. Drawing on the talents of a nationwide sample of experts in this field, the project team created a unique management oriented course. A review of the origination and experiences of two years of classes of this pilot program is provided in this report.

  8. Feasibility and Acceptability of a Text Message-Based Smoking Cessation Program for Young Adults in Lima, Peru: Pilot Study.

    Science.gov (United States)

    Blitchtein-Winicki, Dora; Zevallos, Karine; Samolski, M Reuven; Requena, David; Velarde, Chaska; Briceño, Patricia; Piazza, Marina; Ybarra, Michele L

    2017-08-04

    In Peru's urban communities, tobacco smoking generally starts during adolescence and smoking prevalence is highest among young adults. Each year, many attempt to quit, but access to smoking cessation programs is limited. Evidence-based text messaging smoking cessation programs are an alternative that has been successfully implemented in high-income countries, but not yet in middle- and low-income countries with limited tobacco control policies. The objective was to assess the feasibility and acceptability of an short message service (SMS) text message-based cognitive behavioral smoking cessation program for young adults in Lima, Peru. Recruitment included using flyers and social media ads to direct young adults interested in quitting smoking to a website where interested participants completed a Google Drive survey. Inclusion criteria were being between ages 18 and 25 years, smoking at least four cigarettes per day at least 6 days per week, willing to quit in the next 30 days, owning a mobile phone, using SMS text messaging at least once in past year, and residing in Lima. Participants joined one of three phases: (1) focus groups and in-depth interviews whose feedback was used to develop the SMS text messages, (2) validating the SMS text messages, and (3) a pilot of the SMS text message-based smoking cessation program to test its feasibility and acceptability among young adults in Lima. The outcome measures included adherence to the SMS text message-based program, acceptability of content, and smoking abstinence self-report on days 2, 7, and 30 after quitting. Of 639 participants who completed initial online surveys, 42 met the inclusion criteria and 35 agreed to participate (focus groups and interviews: n=12; validate SMS text messages: n=8; program pilot: n=15). Common quit practices and beliefs emerged from participants in the focus groups and interviews informed the content, tone, and delivery schedule of the messages used in the SMS text message smoking

  9. Assessing Interpersonal and Communication Skills in Radiation Oncology Residents: A Pilot Standardized Patient Program

    International Nuclear Information System (INIS)

    Ju, Melody; Berman, Abigail T.; Hwang, Wei-Ting; LaMarra, Denise; Baffic, Cordelia; Suneja, Gita; Vapiwala, Neha

    2014-01-01

    Purpose: There is a lack of data for the structured development and evaluation of communication skills in radiation oncology residency training programs. Effective communication skills are increasingly emphasized by the Accreditation Council for Graduate Medical Education and are critical for a successful clinical practice. We present the design of a novel, pilot standardized patient (SP) program and the evaluation of communication skills among radiation oncology residents. Methods and Materials: Two case scenarios were developed to challenge residents in the delivery of “bad news” to patients: one scenario regarding treatment failure and the other regarding change in treatment plan. Eleven radiation oncology residents paired with 6 faculty participated in this pilot program. Each encounter was scored by the SPs, observing faculty, and residents themselves based on the Kalamazoo guidelines. Results: Overall resident performance ratings were “good” to “excellent,” with faculty assigning statistically significant higher scores and residents assigning lower scores. We found inconsistent inter rater agreement among faculty, residents, and SPs. SP feedback was also valuable in identifying areas of improvement, including more collaborative decision making and less use of medical jargon. Conclusions: The program was well received by residents and faculty and regarded as a valuable educational experience that could be used as an annual feedback tool. Poor inter rater agreement suggests a need for residents and faculty physicians to better calibrate their evaluations to true patient perceptions. High scores from faculty members substantiate the concern that resident evaluations are generally positive and nondiscriminating. Faculty should be encouraged to provide honest and critical feedback to hone residents' interpersonal skills

  10. Referral to a Commercial Weight Management Program in Patients With Coronary Heart Disease: A PILOT STUDY IN THE NETHERLANDS.

    Science.gov (United States)

    Minneboo, Madelon; Peters, Ron J G; Miller-Kovach, Karen; Lemmens, Jeanine; Bucx, Jeroen J J

    2015-01-01

    To quantify the impact of a commercial weight management program on weight change in obese patients with coronary heart disease. An observational, single-center pilot study in the Netherlands. Forty-five patients diagnosed with a recent acute coronary syndrome and a body mass index of >30 kg/m2 were recruited. The commercial weight management intervention (Weight Watchers) promotes a hypoenergetic and balanced diet, increased physical activity, and group support. The program included weekly 30-minute in-hospital meetings with an experienced coach. The program was offered in parallel with a cardiac rehabilitation program. Thirty-five patients completed the program. Of these patients, 32 patients (91%) decreased body weight. Mean weight change was -5.8 kg (range: +0.6 kg to -15.4 kg), and 20 patients (57%) achieved the target of 5% weight loss of their initial weight. Twenty-seven patients continued the commercial weight loss program after 14 weeks, the mean followup of these patients was 34 weeks and their mean weight change was -9.1 kg (range: 0.0-23.0 kg). Obese patients, discharged after an acute coronary syndrome, who were referred to a commercial weight management program, achieved significant weight loss. Although this is a nonrandomized pilot study with patients who were selected by motivation and by the ability to participate in the program, the proportion of weight loss is significant and promising.

  11. The Living the Example Social Media Substance Use Prevention Program: A Pilot Evaluation

    Science.gov (United States)

    Andrade, Elizabeth; Goldmeer, Sandra; Smith, Michelle; Snider, Jeremy; Girardo, Gunilla

    2017-01-01

    Background Adolescent substance use rates in rural areas of the United States, such as upstate New York, have risen substantially in recent years, calling for new intervention approaches in response to this trend. The Mentor Foundation USA conducts the Living the Example (LTE) campaign to engage youth in prevention using an experiential approach. As part of LTE, youth create their own prevention messages following a training curriculum in techniques for effective messaging and then share them via social media. This paper reports on a pilot evaluation of the LTE program. Objective To conduct a pilot test of LTE in two rural high schools in upstate New York. We hypothesized that positive antidrug brand representations could be promoted using social media strategies to complement the Shattering the Myths (STM) in-person, event-based approach (hypothesis 1, H1), and that youth would respond positively and engage with prevention messages disseminated by their peers. We also hypothesized that exposure to the social media prevention messages would be associated with more positive substance use avoidance attitudes and beliefs, reductions in future use intentions, and decreased substance use at posttest (hypothesis 2, H2). Methods We adapted a previously published curriculum created by the authors that focuses on branding, messaging, and social media for prevention. The curriculum consisted of five, one-hour sessions. It was delivered to participating youth in five sequential weeks after school at the two high schools in late October and early November 2016. We designed a pre- and posttest pilot implementation study to evaluate the effects of LTE on student uptake of the intervention and short-term substance use and related outcomes. Working at two high schools in upstate New York, we conducted a pilot feasibility evaluation of LTE with 9th-grade students (ie, freshmen) at these high schools. We administered a 125-item questionnaire online to capture data on media use

  12. NSTAR Smart Grid Pilot

    Energy Technology Data Exchange (ETDEWEB)

    Rabari, Anil [NSTAR Electric, Manchester, NH (United States); Fadipe, Oloruntomi [NSTAR Electric, Manchester, NH (United States)

    2014-03-31

    NSTAR Electric & Gas Corporation (“the Company”, or “NSTAR”) developed and implemented a Smart Grid pilot program beginning in 2010 to demonstrate the viability of leveraging existing automated meter reading (“AMR”) deployments to provide much of the Smart Grid functionality of advanced metering infrastructure (“AMI”), but without the large capital investment that AMI rollouts typically entail. In particular, a central objective of the Smart Energy Pilot was to enable residential dynamic pricing (time-of-use “TOU” and critical peak rates and rebates) and two-way direct load control (“DLC”) by continually capturing AMR meter data transmissions and communicating through customer-sited broadband connections in conjunction with a standardsbased home area network (“HAN”). The pilot was supported by the U.S. Department of Energy’s (“DOE”) through the Smart Grid Demonstration program. NSTAR was very pleased to not only receive the funding support from DOE, but the guidance and support of the DOE throughout the pilot. NSTAR is also pleased to report to the DOE that it was able to execute and deliver a successful pilot on time and on budget. NSTAR looks for future opportunities to work with the DOE and others in future smart grid projects.

  13. Centrifuge Study of Pilot Tolerance to Acceleration and the Effects of Acceleration on Pilot Performance

    Science.gov (United States)

    Creer, Brent Y.; Smedal, Harald A.; Wingrove, Rodney C.

    1960-01-01

    A research program the general objective of which was to measure the effects of various sustained accelerations on the control performance of pilots, was carried out on the Aviation Medical Acceleration Laboratory centrifuge, U.S. Naval Air Development Center, Johnsville, PA. The experimental setup consisted of a flight simulator with the centrifuge in the control loop. The pilot performed his control tasks while being subjected to acceleration fields such as might be encountered by a forward-facing pilot flying an atmosphere entry vehicle. The study was divided into three phases. In one phase of the program, the pilots were subjected to a variety of sustained linear acceleration forces while controlling vehicles with several different sets of longitudinal dynamics. Here, a randomly moving target was displayed to the pilot on a cathode-ray tube. For each combination of acceleration field and vehicle dynamics, pilot tracking accuracy was measured and pilot opinion of the stability and control characteristics was recorded. Thus, information was obtained on the combined effects of complexity of control task and magnitude and direction of acceleration forces on pilot performance. These tests showed that the pilot's tracking performance deteriorated markedly at accelerations greater than about 4g when controlling a lightly damped vehicle. The tentative conclusion was also reached that regardless of the airframe dynamics involved, the pilot feels that in order to have the same level of control over the vehicle, an increase in the vehicle dynamic stability was required with increases in the magnitudes of the acceleration impressed upon the pilot. In another phase, boundaries of human tolerance of acceleration were established for acceleration fields such as might be encountered by a pilot flying an orbital vehicle. A special pilot restraint system was developed to increase human tolerance to longitudinal decelerations. The results of the tests showed that human tolerance

  14. 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...

  15. 75 FR 51058 - Web-Distributed Labeling User Acceptance Pilot

    Science.gov (United States)

    2010-08-18

    ... Acceptance Pilot AGENCY: Environmental Protection Agency (EPA). ACTION: Notice. SUMMARY: EPA's Office of...- distributed labeling ``User Acceptance Pilot'' and is soliciting interest from entities potentially willing to participate in this pilot program. Through the User Acceptance Pilot, EPA intends to demonstrate how users...

  16. 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...

  17. A Cost-Effectiveness Analysis of a Pilot Neonatal Screening Program for Sickle Cell Anemia in the Republic of Angola.

    Science.gov (United States)

    McGann, Patrick T; Grosse, Scott D; Santos, Brigida; de Oliveira, Vysolela; Bernardino, Luis; Kassebaum, Nicholas J; Ware, Russell E; Airewele, Gladstone E

    2015-12-01

    To assess the cost-effectiveness of a pilot newborn screening (NBS) and treatment program for sickle cell anemia (SCA) in Luanda, Angola. In July 2011, a pilot NBS and treatment program was implemented in Luanda, Angola. Infants identified with SCA were enrolled in a specialized SCA clinic in which they received preventive care and sickle cell education. In this analysis, the World Health Organization (WHO) and generalized cost-effectiveness analysis methods were used to estimate gross intervention costs of the NBS and treatment program. To determine healthy life-years (HLYs) gained by screening and treatment, we assumed NBS reduced mortality to that of the Angolan population during the first 5 years based upon WHO and Global Burden of Diseases Study 2010 estimates, but provided no significant survival benefit for children who survive through age 5 years. A secondary sensitivity analysis with more conservative estimates of mortality benefits also was performed. The costs of downstream medical costs, including acute care, were not included. Based upon the costs of screening 36,453 infants and treating the 236 infants with SCA followed after NBS in the pilot project, NBS and treatment program is projected to result in the gain of 452-1105 HLYs, depending upon the discounting rate and survival assumptions used. The corresponding estimated cost per HLY gained is $1380-$3565, less than the gross domestic product per capita in Angola. These data demonstrate that NBS and treatment for SCA appear to be highly cost-effective across all scenarios for Angola by the WHO criteria. Copyright © 2015 Elsevier Inc. All rights reserved.

  18. Evaluation of a Pilot Medication-Assisted Therapy Program in Kazakhstan: Successes, Challenges, and Opportunities for Scaleup

    Directory of Open Access Journals (Sweden)

    Azizbek A. Boltaev

    2012-01-01

    Full Text Available Study Aims. Evaluate the quality and effectiveness of the medication-assisted therapy (MAT pilot in Kazakhstan and review implementation context and related challenges. Methods. We performed a desk review of MAT policy and program documents and reviewed medical records at three MAT sites in Kazakhstan. MAT patients (n=93 were interviewed to assess their perceptions of the program and its impact on their health, criminal, drug use, and HIV risk related behaviors as well as expenditures on nonprescribed psychoactive drugs. Persons injecting drugs who are not in treatment, MAT program staff, and other stakeholders were interviewed to obtain their perspectives on MAT. Results. Legislation supports introducing MAT as a standard of care for treatment of opioid dependence; however, its progress has been hampered by active opposition. Inadequate access and coverage, insufficient supply management, scarce infrastructure of narcological facilities, limited opportunities for staff development, and restrictive methadone dispensing policies compromise the quality of the intervention and limit its potential benefits. There were significant reductions in criminal, drug use, and HIV risk related behaviors in patients receiving MAT. Conclusions. The MAT pilot in Kazakhstan demonstrated its feasibility and effectiveness in the local context and is recommended for scaleup throughout the country.

  19. Childhood Obesity Study: A Pilot Study of the Effect of the Nutrition Education Program "Color My Pyramid"

    Science.gov (United States)

    Moore, Jean Burley; Pawloski, Lisa Renee; Goldberg, Patricia; Oh, Kyeung Mi; Stoehr, Ana; Baghi, Heibatollah

    2009-01-01

    The need for successful nutrition interventions is critical as the prevalence of childhood obesity increases. Thus, this pilot project examines the effect of a nutrition education program, "Color My Pyramid", on children's nutrition knowledge, self-care practices, activity levels, and nutrition status. Using a pretest-posttest,…

  20. Volatile Organic Compound (VOC) Air Monitoring Program design for the Waste Isolation Pilot Plant

    International Nuclear Information System (INIS)

    Frank, L.

    1991-01-01

    The Waste Isolation Pilot Plant (WIPP) Volatile Organic Compound (VOC) Monitoring Program has been developed as part of the Department of Energy's (DOE's) No-Migration Variance petition submitted to the Environmental Protection Agency (EPA). The program is designed to demonstrate that there will be no migration of hazardous chemicals past the unit boundary in concentrations which exceed any health-based standards. The monitoring program will use EPA compendium Method TO-14. Both air and carbon sorption media samples will be collected as part of the program. Eleven separate monitoring sites have been selected where both 24-hour integrated and 1-hour grab samples will be collected and analyzed for five target compounds. The bin-scale experimental test rooms will be configured with a gas collection manifold and an activated carbon sorption bed to remove VOCs before they can be emitted into the WIPP underground atmosphere. 10 refs., 4 figs., 7 tabs

  1. A Pilot Study Exploring After-School Care Providers' Response to the Incredible Years Classroom Management Program

    Science.gov (United States)

    Hicks-Hoste, Taylor B.; Carlson, John S.; Tiret, Holly B.

    2015-01-01

    The need for and importance of bringing evidence-based interventions into school settings has been firmly established. Adapting and adjusting intervention programs to meet the unique needs of a school district requires personnel to use a data-based approach to implementation. This pilot study is the first to report on after-school care providers'…

  2. Pilot program to assess proposed basic quality assurance requirements in the medical use of byproduct materials

    Energy Technology Data Exchange (ETDEWEB)

    Kaplan, E.; Nelson, K.; Meinhold, C.B. (Brookhaven National Lab., Upton, NY (United States))

    1991-10-01

    In January 1990, the Nuclear Regulatory Commission (NRC) proposed amendments to 10 CFR Part 35 that would require medical licensees using byproduct material to establish and implement a basic quality assurance program. A 60-day real-world trial of the proposed rules was initiated to obtain information beyond that generally found through standard public comment procedures. Volunteers from randomly selected institutions had opportunities to review the details of the proposed regulations and to implement these rules on a daily basis during the trial. The participating institutions were then asked to evaluate the proposed regulations based on their personal experiences. The pilot project sought to determine whether medical institutions could develop written quality assurance programs that would meet the eight performance-based objectives of proposed Section 35.35. In addition, the NRC wanted to learn from these volunteers if they had any recommendations on how the rule could be revised to minimized its cost and to clarify its objectives without decreasing its effectiveness. It was found that licensees could develop acceptable QA programs under a performance-based approach, that most licensee programs did meet the proposed objectives, and that most written QA plans would require consultations with NRC or Agreement State personnel before they would fully meet all objectives of proposed Section 35.35. This report describes the overall pilot program. The methodology used to select and assemble the group of participating licensees is presented. The various workshops and evaluation questionnaires are discussed, and detailed findings are presented. 7 refs.

  3. Pilot program to assess proposed basic quality assurance requirements in the medical use of byproduct materials

    International Nuclear Information System (INIS)

    Kaplan, E.; Nelson, K.; Meinhold, C.B.

    1991-10-01

    In January 1990, the Nuclear Regulatory Commission (NRC) proposed amendments to 10 CFR Part 35 that would require medical licensees using byproduct material to establish and implement a basic quality assurance program. A 60-day real-world trial of the proposed rules was initiated to obtain information beyond that generally found through standard public comment procedures. Volunteers from randomly selected institutions had opportunities to review the details of the proposed regulations and to implement these rules on a daily basis during the trial. The participating institutions were then asked to evaluate the proposed regulations based on their personal experiences. The pilot project sought to determine whether medical institutions could develop written quality assurance programs that would meet the eight performance-based objectives of proposed Section 35.35. In addition, the NRC wanted to learn from these volunteers if they had any recommendations on how the rule could be revised to minimized its cost and to clarify its objectives without decreasing its effectiveness. It was found that licensees could develop acceptable QA programs under a performance-based approach, that most licensee programs did meet the proposed objectives, and that most written QA plans would require consultations with NRC or Agreement State personnel before they would fully meet all objectives of proposed Section 35.35. This report describes the overall pilot program. The methodology used to select and assemble the group of participating licensees is presented. The various workshops and evaluation questionnaires are discussed, and detailed findings are presented. 7 refs

  4. From Survivor to Thriver: A Pilot Study of an Online Program for Rape Victims

    OpenAIRE

    Littleton, Heather; Buck, Katherine; Rosman, Lindsey; Grills-Taquechel, Amie

    2011-01-01

    Approximately 15% to 20% of women have been victims of rape and close to a third report current rape-related PTSD or clinically significant depression or anxiety. Unfortunately, very few distressed rape victims seek formal help. This suggests a need to develop alternative ways to assist the many distressed victims of sexual violence. Online treatment programs represent a potentially important alternative strategy for reaching such individuals. The current paper describes a pilot evaluation of...

  5. PULSE Pilot Certification Results

    Directory of Open Access Journals (Sweden)

    Pamela Pape-Lindstrom

    2015-08-01

    Full Text Available The pilot certification process is an ambitious, nationwide endeavor designed to motivate important changes in life sciences education that are in line with the recommendations of the 2011 Vision and Change Report: A Call to Action (American Association for the Advancement of Science [AAAS], 2011.  It is the goal of the certification process to acknowledge departments that have progressed towards full implementation of the tenets of Vision and Change and to motivate departments that have not begun to adopt the recommendations to consider doing so.  More than 70 life science departments applied to be part of the pilot certification process, funded by a National Science Foundation grant, and eight were selected based on initial evidence of transformed and innovative educational practices.  The programs chosen represent a wide variety of schools, including two-year colleges, liberal-arts institutions, regional comprehensive colleges, research universities and minority serving institutions.  Outcomes from this pilot were released June 1, 2015 (www.pulsecommunity.org, with all eight programs being recognized as having progressed along a continuum of change.  Five levels of achievement were defined as PULSE Pilot Progression Levels.  Of the eight departments in the pilot, one achieved “PULSE Progression Level III: Accomplished”.  Six departments achieved “PULSE Progression Level II: Developing” and one pilot department achieved “PULSE Progression Level I: Beginning”.  All of the schools have made significant movement towards the recommendations of Vision and Change relative to a traditional life sciences curriculum.  Overall, the response from the eight pilot schools has been positive. 

  6. 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...

  7. 14 CFR 91.1055 - Pilot operating limitations and pairing requirement.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 2 2010-01-01 2010-01-01 false Pilot operating limitations and pairing... Ownership Operations Program Management § 91.1055 Pilot operating limitations and pairing requirement. (a... aircraft being flown, and the pilot in command is not an appropriately qualified check pilot, the pilot in...

  8. 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

  9. Students Helping Students: Evaluating a Pilot Program of Peer Teaching for an Undergraduate Course in Human Anatomy

    Science.gov (United States)

    Bruno, Paul A.; Love Green, Jennifer K.; Illerbrun, Sara L.; Holness, Duncan A.; Illerbrun, Samantha J.; Haus, Kara A.; Poirier, Sylvianne M.; Sveinson, Katherine L.

    2016-01-01

    The educational literature generally suggests that supplemental instruction (SI) is effective in improving academic performance in traditionally difficult courses. A pilot program of peer teaching based on the SI model was implemented for an undergraduate course in human anatomy. Students in the course were stratified into three groups based on…

  10. 77 FR 14364 - Comment Sought on Funding Pilot Program Participants Transitioning Out of the Rural Health Care...

    Science.gov (United States)

    2012-03-09

    ... an email to [email protected] or call the Consumer & Governmental Affairs Bureau at (202) 418-0530... impact the sustainability of the networks developed with Pilot Program funds. 7. Support levels for 2012... an email to [email protected] or call the Consumer & Governmental Affairs Bureau at (202) 418-0530...

  11. 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...

  12. 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.

  13. Iowa CASAS Pilot Project Reports: An Initial Evaluation of CASAS Effectiveness in Iowa's Adult Basic Education Programs.

    Science.gov (United States)

    Strom, Mary L.

    In fall 1992, the Iowa Department of Education began pilot tests of the Comprehensive Adult Student Assessment System (CASAS), an assessment system evaluating reading, math, and problem solving in a life skills context for adult remedial programs. This document provides reports from the nine community colleges that served as test sites, describing…

  14. Comparing Differences in Math Achievement and Attitudes toward Math in a Sixth Grade Mathematics Enrichment Pilot Program

    Science.gov (United States)

    Tow, Tamara

    2011-01-01

    High-stakes assessments have encouraged educators to ignore the needs of the top performers. Therefore, the Oakwood School District decided to implement a mathematics pilot enrichment program in order to meet the needs of the advanced mathematics students. As a result, this study used quantitative data to determine if there was a significant…

  15. Improving Dementia Health Literacy Using the FLOW Mnemonic: Pilot Findings from the Old SCHOOL Hip-Hop Program

    Science.gov (United States)

    Noble, James M.; Hedmann, Monique G.; Williams, Olajide

    2015-01-01

    Background: Dementia health literacy is low among the public and likely poses a significant barrier to Alzheimer's disease (AD) symptom recognition and treatment, particularly among minority populations already facing higher AD burden. We evaluated the pilot phase of a novel AD health education program, Old SCHOOL (Seniors Can Have Optimal…

  16. Strengthening Incarcerated Families: Evaluating a Pilot Program for Children of Incarcerated Parents and Their Caregivers

    OpenAIRE

    Miller, Alison L.; Perryman, Jamie; Markovitz, Lara; Franzen, Susan; Cochran, Shirley; Brown, Shavonnea

    2013-01-01

    Parental incarceration can be devastating for families. Children may experience difficulties, and the stress on caregivers who take on unexpected childrearing is high. We implemented and evaluated a family-level intervention with caregivers and children experiencing parental (typically maternal) incarceration, in a community setting. We partnered with a community-based organization serving families with an incarcerated parent to conduct a pilot trial of the Strengthening Families Program (SFP...

  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. Report to the U.S. Congress on the Outcomes of the Nonmotorized Transportation Pilot Program SAFETEA-LU Section 1807

    Science.gov (United States)

    2012-04-30

    Section 1807 of the Safe, Accountable, Flexible Efficient Transportation Equity Act: A Legacy for Users : (SAFETEA-LU) P.L. 109-59 established the Nonmotorized Transportation Pilot Program (NTPP) in : August 2005. Over the span of 4 years, the NTPP p...

  19. 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.

  20. Brief Video-Module Administered Mindfulness Program for Physicians: A Pilot Study.

    Science.gov (United States)

    Pflugeisen, Bethann Mangel; Drummond, Dike; Ebersole, Drew; Mundell, Kate; Chen, David

    2016-01-01

    The purpose of this study was to evaluate the feasibility of implementing a video-module-based mindfulness pilot program intended to reduce stress, improve well-being, and develop mindfulness skills in physicians in a community hospital setting. Preliminary findings are presented. Using a single-sample, pre-post study design, we administered an eight-week mindfulness training offered as part of a wellness initiative for medical staff in a suburban community hospital. Participants enrolled on a first-come, first-served basis. Participants engaged in three 90-min in-person trainings, weekly online video-module trainings, and weekly teleconference coaching calls. Video-module trainings were available at all times, to be accessed at the participants׳ convenience. Journals and a guided meditation audio library were also provided. Physician stress, well-being (emotional exhaustion, depersonalization of patients, and sense of personal accomplishment), and mindfulness skills (observing, describing, acting with awareness, and accepting without judgment) were evaluated at baseline, end-of-program, and eight weeks post-intervention using well-validated instruments. A total of 23 physicians enrolled and 19 completed the program. Compared to baseline, statistically significant decreases in stress, personal accomplishment, and emotional exhaustion were observed at end-of-program and eight weeks post-intervention (all P < .05). Significant increases in all mindfulness skills were observed at end-of-program; these increases persisted for describing, acting with awareness, and accepting without judgment at eight weeks post-intervention (all P < .05). This study provides preliminary evidence that a flexible, video-module-based mindfulness program can decrease stress, increase well-being, and develop lasting mindfulness skills in physicians. Copyright © 2016 Elsevier Inc. All rights reserved.

  1. The Coping Cat Program for Children with Anxiety and Autism Spectrum Disorder: A Pilot Randomized Controlled Trial

    Science.gov (United States)

    McNally Keehn, Rebecca H.; Lincoln, Alan J.; Brown, Milton Z.; Chavira, Denise A.

    2013-01-01

    The purpose of this pilot study was to evaluate whether a modified version of the Coping Cat program could be effective in reducing anxiety in children with autism spectrum disorder (ASD). Twenty-two children (ages 8-14; IQ greater than or equal to 70) with ASD and clinically significant anxiety were randomly assigned to 16 sessions of the Coping…

  2. The Living the Example Social Media Substance Use Prevention Program: A Pilot Evaluation.

    Science.gov (United States)

    Evans, William; Andrade, Elizabeth; Goldmeer, Sandra; Smith, Michelle; Snider, Jeremy; Girardo, Gunilla

    2017-06-27

    Adolescent substance use rates in rural areas of the United States, such as upstate New York, have risen substantially in recent years, calling for new intervention approaches in response to this trend. The Mentor Foundation USA conducts the Living the Example (LTE) campaign to engage youth in prevention using an experiential approach. As part of LTE, youth create their own prevention messages following a training curriculum in techniques for effective messaging and then share them via social media. This paper reports on a pilot evaluation of the LTE program. To conduct a pilot test of LTE in two rural high schools in upstate New York. We hypothesized that positive antidrug brand representations could be promoted using social media strategies to complement the Shattering the Myths (STM) in-person, event-based approach (hypothesis 1, H1), and that youth would respond positively and engage with prevention messages disseminated by their peers. We also hypothesized that exposure to the social media prevention messages would be associated with more positive substance use avoidance attitudes and beliefs, reductions in future use intentions, and decreased substance use at posttest (hypothesis 2, H2). We adapted a previously published curriculum created by the authors that focuses on branding, messaging, and social media for prevention. The curriculum consisted of five, one-hour sessions. It was delivered to participating youth in five sequential weeks after school at the two high schools in late October and early November 2016. We designed a pre- and posttest pilot implementation study to evaluate the effects of LTE on student uptake of the intervention and short-term substance use and related outcomes. Working at two high schools in upstate New York, we conducted a pilot feasibility evaluation of LTE with 9th-grade students (ie, freshmen) at these high schools. We administered a 125-item questionnaire online to capture data on media use; attitudes toward social media

  3. 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 ...

  4. Modelling decision-making by pilots

    Science.gov (United States)

    Patrick, Nicholas J. M.

    1993-01-01

    Our scientific goal is to understand the process of human decision-making. Specifically, a model of human decision-making in piloting modern commercial aircraft which prescribes optimal behavior, and against which we can measure human sub-optimality is sought. This model should help us understand such diverse aspects of piloting as strategic decision-making, and the implicit decisions involved in attention allocation. Our engineering goal is to provide design specifications for (1) better computer-based decision-aids, and (2) better training programs for the human pilot (or human decision-maker, DM).

  5. Pilot Quality Control Program for Audit RT External Beams at Mexican Hospitals

    International Nuclear Information System (INIS)

    Alvarez R, J T; Tovar M, V M

    2008-01-01

    A pilot quality control program for audit 18 radiotherapy RT external beams at 13 Mexican hospitals is described--for eleven 60 Co beams and seven photon beams of 6, 10 and 15 MV from accelerators. This program contains five parts: a) Preparation of the TLD-100 powder: washing, drying and annealing (one hour 400 deg. C plus 24 hrs 80 deg. C). b) Sending two IAEA type capsules to the hospitals for irradiation at the hospital to a nominal D W = 2 Gy·c) Preparation at the SSDL of ten calibration curves CC in the range of 0.5 Gy to 6 Gy in terms of absorbed dose to water D W for 60 Co with traceability to primary laboratory NRC (Canada), according to a window irradiation: 26/10/2007-7/12/2007. d) Reading all capsules that match their hospital time irradiation and the SSDL window irradiation. f) Evaluation of the Dw imparted by the hospitals

  6. Pilot Quality Control Program for Audit RT External Beams at Mexican Hospitals

    Science.gov (United States)

    Álvarez R., J. T.; Tovar M., V. M.

    2008-08-01

    A pilot quality control program for audit 18 radiotherapy RT external beams at 13 Mexican hospitals is described—for eleven 60 Co beams and seven photon beams of 6, 10 and 15 MV from accelerators. This program contains five parts: a) Preparation of the TLD-100 powder: washing, drying and annealing (one hour 400 °C plus 24 hrs 80 °C). b) Sending two IAEA type capsules to the hospitals for irradiation at the hospital to a nominal DW = 2 Gy ṡ c ) Preparation at the SSDL of ten calibration curves CC in the range of 0.5 Gy to 6 Gy in terms of absorbed dose to water DW for 60 Co with traceability to primary laboratory NRC (Canada), according to a window irradiation: 26/10/2007-7/12/2007. d) Reading all capsules that match their hospital time irradiation and the SSDL window irradiation. f) Evaluation of the Dw imparted by the hospitals.

  7. 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...

  8. Sex workers as peer health advocates: community empowerment and transformative learning through a Canadian pilot program.

    Science.gov (United States)

    Benoit, Cecilia; Belle-Isle, Lynne; Smith, Michaela; Phillips, Rachel; Shumka, Leah; Atchison, Chris; Jansson, Mikael; Loppie, Charlotte; Flagg, Jackson

    2017-08-30

    Social marginalization and criminalization create health and safety risks for sex workers and reduce their access to health promotion and prevention services compared to the general population. Community empowerment-based interventions that prioritize the engagement of sex workers show promising results. Peer-to-peer interventions, wherein sex workers act as educators of their colleagues, managers, clients and romantic partners, foster community mobilization and critical consciousness among sex workers and equip them to exercise agency in their work and personal lives. A pilot peer health education program was developed and implemented, with and for sex workers in one urban centre in Canada. To explore how the training program contributed to community empowerment and transformative learning among participants, the authors conducted qualitative interviews, asked participants to keep personal journals and to fill out feedback forms after each session. Thematic analysis was conducted on these three data sources, with emerging themes identified, organized and presented in the findings. Five themes emerged from the analysis. Our findings show that the pilot program led to reduced internalized stigma and increased self-esteem in participants. Participants' critical consciousness increased concerning issues of diversity in cultural background, sexual orientation, work experiences and gender identity. Participants gained knowledge about how sex work stigma is enacted and perpetuated. They also became increasingly comfortable challenging negative judgments from others, including frontline service providers. Participants were encouraged to actively shape the training program, which fostered positive relationships and solidarity among them, as well as with colleagues in their social network and with the local sex worker organization housing the program. Resources were also mobilized within the sex worker community through skills building and knowledge acquisition. The peer

  9. Effects of a tele-prehabilitation program or an in-person prehabilitation program in surgical candidates awaiting total hip or knee arthroplasty: Protocol of a pilot single blind randomized controlled trial.

    Science.gov (United States)

    Doiron-Cadrin, Patrick; Kairy, Dahlia; Vendittoli, Pascal-André; Lowry, Véronique; Poitras, Stéphane; Desmeules, François

    2016-12-15

    The accessibility for total joint arthroplasty often comes up against long wait lists, and may lead to deleterious effects for the awaiting patients. This pilot single blind randomized controlled trial aims to evaluate the impact of a telerehabilitation prehabilitation program before a hip or knee arthroplasty compared to in-person prehabilitation or to usual wait for surgery. Thirty-six patients on a wait list for a total hip or knee arthroplasty will be recruited and randomly assigned to one of three groups. The in-person prehabilitation group (n = 12) will receive a 12-week rehabilitation program (2 sessions/week) including education, exercises of the lower limb and cardiovascular training. Patients in the tele-prehabilitation group (n = 12) will receive the same intervention using a telecommunication software. The control group (n = 12) will be provided with the hospital's usual documentation before surgery. The Lower Extremity Functional Scale (LEFS) will be the primary outcome measure taken at baseline and at 12 weeks. Secondary measures will include self-reported function and quality of life as well as performance tests. A mixed-model, 2-way repeated-measure ANOVA will be used to analyse the effects of the rehabilitation programs. This pilot study is the first to evaluate the feasibility and the impact of a telerehabilitation prehabilitation program for patients awaiting a total joint arthroplasty. The results of this pilot-RCT will set the foundations for further research in the fields of rehabilitation and tele-medicine for patients suffering from lower limb osteoarthritis. ClinicalTrials.gov: NCT02636751.

  10. Exercise capacity before and after an 8-week multidisciplinary inpatient rehabilitation program in lung cancer patients: a pilot study.

    Science.gov (United States)

    Spruit, Martijn A; Janssen, Paul P; Willemsen, Sonja C P; Hochstenbag, Monique M H; Wouters, Emiel F M

    2006-05-01

    Although lung cancer is a highly prevalent type of cancer, the effects of an inpatient multidisciplinary rehabilitation program on pulmonary function and exercise capacity have never been studied in these patients. Pulmonary function, 6-min walking distance and peak exercise capacity of 10 patients with a severely impaired pulmonary function following treatment of lung cancer were assessed in this pilot study before and after an 8-week inpatient multidisciplinary rehabilitation program. At baseline, patients had a restrictive pulmonary function and an apparent exercise intolerance (median 6-min walking distance: 63.6% predicted; median peak cycling load: 58.5% predicted). Despite the lack of change in median pulmonary function [FEV1: -0.01L, p = 0.5469], functional exercise capacity [145 m; 43.2% of the initial values, p=0.0020] and peak exercise capacity [26 W; 34.4% of the initial values, p = 0.0078] improved significantly compared to baseline. Future trials have to corroborate the present findings. Nevertheless, patients with lung cancer have a clear indication to start a comprehensive rehabilitation program following intensive treatment of their disease. In fact, based on the results of the present pilot study it appears that these patients are good candidates for pulmonary rehabilitation programs.

  11. Medication coaching program for patients with minor stroke or TIA: A pilot study

    Directory of Open Access Journals (Sweden)

    Sides Elizabeth G

    2012-07-01

    Full Text Available Abstract Background Patients who are hospitalized with a first or recurrent stroke often are discharged with new medications or adjustment to the doses of pre-admission medications, which can be confusing and pose safety issues if misunderstood. The purpose of this pilot study was to assess the feasibility of medication coaching via telephone after discharge in patients with stroke. Methods Two-arm pilot study of a medication coaching program with 30 patients (20 intervention, 10 control. Consecutive patients admitted with stroke or TIA with at least 2 medications changed between admission and discharge were included. The medication coach contacted intervention arm patients post-discharge via phone call to discuss risk factors, review medications and triage patients’ questions to a stroke nurse and/or pharmacist. Intervention and control participants were contacted at 3 months for outcomes. The main outcomes were feasibility (appropriateness of script, ability to reach participants, and provide requested information and participant evaluation of medication coaching. Results The median lengths of the coaching and follow-up calls with requested answers to these questions were 27 minutes and 12 minutes, respectively, and participant evaluations of the coaching were positive. The intervention participants were more likely to have seen their primary care provider than were control participants by 3 months post discharge. Conclusions This medication coaching study executed early after discharge demonstrated feasibility of coaching and educating stroke patients with a trained coach. Results from our small pilot showed a possible trend towards improved appointment-keeping with primary care providers in those who received coaching.

  12. Medication coaching program for patients with minor stroke or TIA: a pilot study.

    Science.gov (United States)

    Sides, Elizabeth G; Zimmer, Louise O; Wilson, Leslie; Pan, Wenqin; Olson, Daiwai M; Peterson, Eric D; Bushnell, Cheryl

    2012-07-25

    Patients who are hospitalized with a first or recurrent stroke often are discharged with new medications or adjustment to the doses of pre-admission medications, which can be confusing and pose safety issues if misunderstood. The purpose of this pilot study was to assess the feasibility of medication coaching via telephone after discharge in patients with stroke. Two-arm pilot study of a medication coaching program with 30 patients (20 intervention, 10 control). Consecutive patients admitted with stroke or TIA with at least 2 medications changed between admission and discharge were included. The medication coach contacted intervention arm patients post-discharge via phone call to discuss risk factors, review medications and triage patients' questions to a stroke nurse and/or pharmacist. Intervention and control participants were contacted at 3 months for outcomes. The main outcomes were feasibility (appropriateness of script, ability to reach participants, and provide requested information) and participant evaluation of medication coaching. The median lengths of the coaching and follow-up calls with requested answers to these questions were 27 minutes and 12 minutes, respectively, and participant evaluations of the coaching were positive. The intervention participants were more likely to have seen their primary care provider than were control participants by 3 months post discharge. This medication coaching study executed early after discharge demonstrated feasibility of coaching and educating stroke patients with a trained coach. Results from our small pilot showed a possible trend towards improved appointment-keeping with primary care providers in those who received coaching.

  13. 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.

  14. 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.

  15. 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.

  16. Evaluation of a residential Kundalini yoga lifestyle pilot program for addiction in India.

    Science.gov (United States)

    Khalsa, Sat Bir S; Khalsa, Gurucharan S; Khalsa, Hargopal K; Khalsa, Mukta K

    2008-01-01

    Previously reported substance abuse interventions incorporating meditation and spiritual approaches are believed to provide their benefit through modulation of both psychological and pyschosocial factors. A 90-day residential group pilot treatment program for substance abuse that incorporated a comprehensive array of yoga, meditation, spiritual and mind-body techniques was conducted in Amritsar, India. Subjects showed improvements on a number of psychological self-report questionnaires including the Behavior and Symptom Identification Scale and the Quality of Recovery Index. Application of comprehensive spiritual lifestyle interventions may prove effective in treating substance abuse, particularly in populations receptive to such approaches.

  17. The iPod Revolution: An Exploratory Case Study of the Implementation of an iPod Touch Pilot Program

    Science.gov (United States)

    Stanfield, Staci A.

    2013-01-01

    This exploratory case study was designed to investigate the implementation of an iPod touch pilot program in sixth grade science classrooms at an intermediate school in Southeast Texas. More specifically, this study explored the benefits and challenges associated with the utilization of iPod touch devices for students, teachers, and their campus…

  18. A nursing career lattice pilot program to promote racial/ethnic diversity in the nursing workforce.

    Science.gov (United States)

    Sporing, Eileen; Avalon, Earlene; Brostoff, Marcie

    2012-03-01

    The nursing career lattice program (NCLP) at Children's Hospital Boston has provided employees with social, educational, and financial assistance as they begin or advance their nursing careers. At the conclusion of a pilot phase, 35% of employees in the NCLP were enrolled in nursing school and 15% completed nursing school. The NCLP exemplifies how a workforce diversity initiative can lead to outcomes that support and sustain a culture rich in diversity and perpetuate excellence in nursing in one organization.

  19. 75 FR 76401 - Pilot Program for Extended Time Period To Reply to a Notice To File Missing Parts of...

    Science.gov (United States)

    2010-12-08

    ... DEPARTMENT OF COMMERCE Patent and Trademark Office [Docket No.: PTO-P-2010-0071] Pilot Program for...: United States Patent and Trademark Office, Commerce. ACTION: Notice. SUMMARY: The United States Patent... nonprovisional application should be completed by paying the search fee, the examination fee, any excess claim...

  20. 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

  1. Results from a Pilot REU Program: Exploring the Cosmos Using Sloan Digital Sky Survey Data

    Science.gov (United States)

    Chanover, Nancy J.; Holley-Bockelmann, Kelly; Holtzman, Jon A.

    2017-01-01

    In the Summer of 2016 we conducted a 10-week pilot Research Experience for Undergraduates (REU) program aimed at increasing the participation of underrepresented minority undergraduate students in research using data from the Sloan Digital Sky Survey (SDSS). This program utilized a distributed REU model, whereby students worked with SDSS scientists on exciting research projects while serving as members of a geographically distributed research community. The format of this REU is similar to that of the SDSS collaboration itself, and since this collaboration structure has become a model for the next generation of large scale astronomical surveys, the students participating in the SDSS REU received early exposure and familiarity with this approach to collaborative scientific research. The SDSS REU also provided the participants with a low-risk opportunity to audition for graduate schools and to explore opportunities afforded by a career as a research scientist. The six student participants were placed at SDSS REU host sites at the Center for Astrophysics at Harvard University, University of Wisconsin-Madison, Vanderbilt University, and the University of Portsmouth. Their research projects covered a broad range of topics related to stars, galaxies, and quasars, all making use of SDSS data. At the start of the summer the REU students participated in a week-long Boot Camp at NMSU, which served as a program orientation, an introduction to skills relevant to their research projects, and an opportunity for team-building and cohort-forming. To foster a sense of community among our distributed students throughout the summer, we conducted a weekly online meeting for all students in the program via virtual meeting tools. These virtual group meetings served two purposes: as a weekly check-in to find out how their projects were progressing, and to conduct professional development seminars on topics of interest and relevance to the REU participants. We discuss the outcomes of this

  2. 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.

  3. PENGARUH PROGRAM SERTIFIKASI TANAH TERHADAP AKSES PERMODALAN BAGI USAHA MIKRO DAN KECIL STUDI KASUS PROGRAM SERTIFIKASI TAHUN 2008 DI KABUPATEN KULON PROGO

    Directory of Open Access Journals (Sweden)

    Istikomah Istikomah

    2013-04-01

    Full Text Available This paper discusses influence of land certification program on Micro and Small Enterprises (MSEs to access capital through the identification of factors that influence the decision of micro and small entrepreneurs (MSEs in the use of Certificate of Land Ownership (SHM as collateral and identification of the influence of certificate program to increase total loans granted to MSEs as the land owner. The identification of the factors that influence the decision of MSEs in the use of SHM as loan collateral (Y1, use binary logit regression analysis with independent variable including credit application purposes (X1, the suitability of the number of credits earned by the required amount (X2, the preception of lending procedures financial institutions (X3, perceptions of ability to repay the loan (X4, the age of the respondent (X5, sex (X6, the education level of respondents (X7, MSEs participation in MSE land certificate program (X8 and the amount of labor (X9. Meanwhile, the identification of the factors that affect the increase in lending financial in the factors that affect the increase in lending financial institution (Y2 uses multiple linear regression analysis with the independent variables include omzet (X1, the use of certificates as collateral (X2, MSEs perception of the analysis applied to financial institutions (X3, the age of respondents (X4, sex (X5, educational level (X6, and participation in the program MSEs land certificate MSE (X7.

  4. 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.

  5. Pilot monitoring program: geologic input for the hillslope component (includes a discussion of Caspar Creek geology and geomorphology)

    Science.gov (United States)

    T. E. Spittler

    1995-01-01

    The California Department of Conservation, Division of Mines and Geology (DMG) is submitting this report and accompanying maps to the California Department of Forestry and Fire Protection (CDF) to fulfill Interagency Agreement number 8CA38400, Pilot Monitoring Program -- Geologic Input for the Hillslope Component. Under this agreement, DMG has assisted CDF in the...

  6. 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

  7. A Pilot Study for Linking Adolescent Patients to an Interactive Tobacco Prevention Program

    Directory of Open Access Journals (Sweden)

    Karen S. Calabro

    2017-04-01

    Full Text Available Context: The American Academy of Pediatrics and professional guidelines recommend intervening with adolescents about avoiding tobacco use in the health-care setting. Barriers in the clinical setting limit consistent provision of this critical service. Objectives: This pilot study compared 2 approaches for referring adolescents to an evidence-based tobacco prevention and cessation program in the outpatient setting. Secondary aims assessed tobacco use, knowledge, and program evaluation. Design, Setting, and Participants: The study setting was a medical and dental clinic. Participants aged 13 to 18 received tobacco advice and instructions to work through “A Smoking Prevention Interactive Experience.” The program addresses health concerns of adolescents about tobacco use and is founded on behavioral change theories. The link to access it is featured on the website of the National Cancer Institute’s Research-Tested Interventions. Participants (N = 197 were randomized to 1 of 2 approaches (ie, a program link via e-mail or referral by a printed card. Results: The program was accessed by 57% (112 of 197 of participants. Both referral approaches were equally effective. Non-Hispanics were twice as likely to access the program as Hispanics (adjusted odds ratio = 2.1, 95% confidence interval = 1.2-3.8, P < .05. Over 95% of participants identified themselves as nonusers of tobacco and evaluated the program as beneficial in increasing knowledge and motivation to remain tobacco-free. Conclusion: Linking adolescent patients to an evidence-based tobacco prevention/cessation program at a community health clinic was highly promising and feasible. We present conclusions for future research.

  8. A pilot educational intervention for headache and concussion: The headache and arts program.

    Science.gov (United States)

    Minen, Mia T; Boubour, Alexandra

    2018-04-13

    Using a science, technology, engineering, arts, and mathematics (STEAM) curriculum, we developed, piloted, and tested the Headache and Arts Program. This program seeks to increase knowledge and awareness of migraine and concussion among high school students through a visual arts-based curriculum. We developed a 2-week Headache and Arts Program with lesson plans and art assignments for high school visual arts classes and an age-appropriate assessment to assess students' knowledge of migraine and concussion. We assessed students' knowledge through (1) the creation of artwork that depicted the experience of a migraine or concussion, (2) the conception and implementation of methods to transfer knowledge gained through the program, and (3) preassessment and postassessment results. The assessment was distributed to all students prior to the Headache and Arts Program. In a smaller sample, we distributed the assessment 3 months after the program to assess longitudinal effects. Descriptive analyses and p values were calculated using SPSS V.24 and Microsoft Excel. Forty-eight students participated in the research program. Students created artwork that integrated STEAM knowledge learned through the program and applied creative methods to teach others about migraine and concussion. At baseline, students' total scores averaged 67.6% correct. Total scores for the longitudinal preassessment, immediate postassessment, and delayed 3-month postassessment averaged 69.4%, 72.8%, and 80.0% correct, respectively. The use of a visual arts-based curriculum may be effective for migraine and concussion education among high school students. © 2018 American Academy of Neurology.

  9. Pilot evaluation of a media literacy program for tobacco prevention targeting early adolescents shows mixed results.

    Science.gov (United States)

    Kaestle, Christine E; Chen, Yvonnes; Estabrooks, Paul A; Zoellner, Jamie; Bigby, Brandon

    2013-01-01

    The purpose of this pilot study was to assess the impact of media literacy for tobacco prevention for youth delivered through a community site. A randomized pretest-posttest evaluation design with matched-contact treatment and control conditions. The pilot study was delivered through the YMCA in a lower-income suburban and rural area of Southwest Virginia, a region long tied, both economically and culturally, to the tobacco industry. Children ages 8 to 14 (76% white, 58% female) participated in the study (n = 38). The intervention was an antismoking media literacy program (five 1-hour lessons) compared with a matched-contact creative writing control program. General media literacy, three domains of tobacco-specific media literacy ("authors and audiences," "messages and meanings," and "representation and reality"), tobacco attitudes, and future expectations were assessed. Multiple regression modeling assessed the impact of the intervention, controlling for pretest measures, age, and sex. General media literacy and tobacco-specific "authors and audiences" media literacy improved significantly for treatment compared with control (p literacy measures and for tobacco attitudes were not significant. Future expectations of smoking increased significantly for treatment participants ages 10 and younger (p literacy are accompanied by an increase in future expectations to smoke for younger children.

  10. A cutting- plane approach for semi- infinite mathematical programming

    African Journals Online (AJOL)

    Many situations ranging from industrial to social via economic and environmental problems may be cast into a Semi-infinite mathematical program. In this paper, the cutting-plane approach which lends itself better for standard non-linear programs is exploited with good reasons for grappling with linear, convex and ...

  11. Integrating an internet-mediated walking program into family medicine clinical practice: a pilot feasibility study

    Directory of Open Access Journals (Sweden)

    Sen Ananda

    2011-06-01

    Full Text Available Abstract Background Regular participation in physical activity can prevent many chronic health conditions. Computerized self-management programs are effective clinical tools to support patient participation in physical activity. This pilot study sought to develop and evaluate an online interface for primary care providers to refer patients to an Internet-mediated walking program called Stepping Up to Health (SUH and to monitor participant progress in the program. Methods In Phase I of the study, we recruited six pairs of physicians and medical assistants from two family practice clinics to assist with the design of a clinical interface. During Phase II, providers used the developed interface to refer patients to a six-week pilot intervention. Provider perspectives were assessed regarding the feasibility of integrating the program into routine care. Assessment tools included quantitative and qualitative data gathered from semi-structured interviews, surveys, and online usage logs. Results In Phase I, 13 providers used SUH and participated in two interviews. Providers emphasized the need for alerts flagging patients who were not doing well and the ability to review participant progress. Additionally, providers asked for summary views of data across all enrolled clinic patients as well as advertising materials for intervention recruitment. In response to this input, an interface was developed containing three pages: 1 a recruitment page, 2 a summary page, and 3 a detailed patient page. In Phase II, providers used the interface to refer 139 patients to SUH and 37 (27% enrolled in the intervention. Providers rarely used the interface to monitor enrolled patients. Barriers to regular use of the intervention included lack of integration with the medical record system, competing priorities, patient disinterest, and physician unease with exercise referrals. Intention-to-treat analyses showed that patients increased walking by an average of 1493 steps

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

    OpenAIRE

    Ogura, Yoshiaki; Yamori, Nobuyoshi

    2009-01-01

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

  13. Treatment outcomes in patients with internet addiction: a clinical pilot study on the effects of a cognitive-behavioral therapy program.

    Science.gov (United States)

    Wölfling, K; Beutel, M E; Dreier, M; Müller, K W

    2014-01-01

    Internet addiction is regarded as a growing health concern in many parts of the world with prevalence rates of 1-2% in Europe and up to 7% in some Asian countries. Clinical research has demonstrated that Internet addiction is accompanied with loss of interests, decreased psychosocial functioning, social retreat, and heightened psychosocial distress. Specialized treatment programs are needed to face this problem that has recently been added to the appendix of the DSM-5. While there are numerous studies assessing clinical characteristics of patients with Internet addiction, the knowledge about the effectiveness of treatment programs is limited. Although a recent meta-analysis indicates that those programs show effects, more clinical studies are needed here. To add knowledge, we conducted a pilot study on the effects of a standardized cognitive-behavioral therapy program for IA. 42 male adults meeting criteria for Internet addiction were enrolled. Their IA-status, psychopathological symptoms, and perceived self-efficacy expectancy were assessed before and after the treatment. The results show that 70.3% of the patients finished the therapy regularly. After treatment symptoms of IA had decreased significantly. Psychopathological symptoms were reduced as well as associated psychosocial problems. The results of this pilot study emphasize findings from the only meta-analysis conducted so far.

  14. Treatment Outcomes in Patients with Internet Addiction: A Clinical Pilot Study on the Effects of a Cognitive-Behavioral Therapy Program

    Directory of Open Access Journals (Sweden)

    K. Wölfling

    2014-01-01

    Full Text Available Internet addiction is regarded as a growing health concern in many parts of the world with prevalence rates of 1-2% in Europe and up to 7% in some Asian countries. Clinical research has demonstrated that Internet addiction is accompanied with loss of interests, decreased psychosocial functioning, social retreat, and heightened psychosocial distress. Specialized treatment programs are needed to face this problem that has recently been added to the appendix of the DSM-5. While there are numerous studies assessing clinical characteristics of patients with Internet addiction, the knowledge about the effectiveness of treatment programs is limited. Although a recent meta-analysis indicates that those programs show effects, more clinical studies are needed here. To add knowledge, we conducted a pilot study on the effects of a standardized cognitive-behavioral therapy program for IA. 42 male adults meeting criteria for Internet addiction were enrolled. Their IA-status, psychopathological symptoms, and perceived self-efficacy expectancy were assessed before and after the treatment. The results show that 70.3% of the patients finished the therapy regularly. After treatment symptoms of IA had decreased significantly. Psychopathological symptoms were reduced as well as associated psychosocial problems. The results of this pilot study emphasize findings from the only meta-analysis conducted so far.

  15. Pilot Evaluation Study of the Life Skills Program REBOUND

    Directory of Open Access Journals (Sweden)

    Henrik Jungaberle

    2015-11-01

    Full Text Available The main aim of the study is pilot evaluation of the life skills program REBOUND in a school context focusing on substance use, risk perception, and knowledge about psychoactive substances ( n IG + CG = 723 students in five schools and 46 classes, Mage = 14.8, range 14-18 for the total sample and in the subgroups gender, age, and school type. Main goal of the study is collecting evidence for program optimization. A controlled study was carried out with repeated measurement before and after the intervention (4-6 months. Multilevel analyses, ANCOVA, and logistic regression analyses were applied to measure the effects. Overall, significantly lower incidence rates of drunkenness (odds ratio [OR] = .55; p = .033, improved knowledge about psychoactive substances (p = .006, lower personal (p = .013 and general tobacco risk perception among users (p = .002, and lower general tobacco (p = .018 and cannabis (p = .000 risk perception in non-users were found in the total intervention group. In subgroups, significantly lower rates for the incidence of drunkenness can be shown for males (p = .008 and for younger participants (p = .004. Students at academic high school (German Gymnasium showed a decrease in 30-day prevalence for alcohol (p = .017 and cannabis (p = .014, and they improved in their knowledge about psychoactive substances (p = .000. In vocational high school classes (German Realschule, there was an increase in the relative alcohol risk perception of the students (p = .019. REBOUND contributes to a controlled use of alcohol and increases knowledge about psychoactive substances. REBOUND has various effects on the examined subgroups age, gender, and school type: Males, younger students, and students in academic high school benefitted more from the course regarding consumption-related criteria. We suggest a program optimization specific to school form and age, inclusion of a tobacco intervention, and the use of more gender-segregated interventions.

  16. Referral to a Commercial Weight Management Program in Patients With Coronary Heart Disease: A PILOT STUDY IN THE NETHERLANDS

    NARCIS (Netherlands)

    Minneboo, Madelon; Peters, Ron J. G.; Miller-Kovach, Karen; Lemmens, Jeanine; Bucx, Jeroen J. J.

    2015-01-01

    To quantify the impact of a commercial weight management program on weight change in obese patients with coronary heart disease. An observational, single-center pilot study in the Netherlands. Forty-five patients diagnosed with a recent acute coronary syndrome and a body mass index of >30 kg/m2 were

  17. A Randomized Pilot Study of a Phone-Based Mindfulness and Weight Loss Program.

    Science.gov (United States)

    Carpenter, Kelly M; Vickerman, Katrina A; Salmon, Erica E; Javitz, Harold S; Epel, Elissa S; Lovejoy, Jennifer C

    2017-10-06

    This study evaluated the feasibility and efficacy of integrating mindfulness training into a phone-based weight loss program to improve outcomes in those with high levels of emotional eating. Participants were 75 enrollees into an employer-sponsored weight loss program who reported high levels of overeating in response to thoughts and feelings. Seventy-five overweight and obese participants (92% female, 65% Caucasian, aged 26 to 68 years) were randomized to the new mindfulness weight loss program (n = 50) or the standard behavioral weight loss program (n = 25). Both programs consisted of 11 coaching calls with health coaches and registered dietitians with supplemental online materials. Satisfaction, engagement, and percent weight lost did not significantly differ for intervention vs. control at six months. Intervention participants had significantly better scores at six-month follow-up on mindful eating, binge eating, experiential avoidance, and one mindfulness subscale. Exploratory analyses showed that improvements on several measures predicted more weight loss in the intervention group. This pilot study found that integrating mindfulness into a brief phone-based behavioral weight loss program was feasible and acceptable to participants, but did not produce greater weight loss on average, despite hypothesized changes in mindful eating. Only one third of intervention participants reported participating in mindfulness exercises regularly. Mechanisms of change observed within the intervention group suggest that for adults with high levels of emotional eating those who embrace mindful eating and meditation may lose more weight with a mindfulness intervention.

  18. 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

  19. Research Data Curation Pilots: Lessons Learned

    Directory of Open Access Journals (Sweden)

    David Minor

    2014-07-01

    Full Text Available In the spring of 2011, the UC San Diego Research Cyberinfrastructure (RCI Implementation Team invited researchers and research teams to participate in a research curation and data management pilot program. This invitation took the form of a campus-wide solicitation. More than two dozen applications were received and, after due deliberation, the RCI Oversight Committee selected five curation-intensive projects. These projects were chosen based on a number of criteria, including how they represented campus research, varieties of topics, researcher engagement, and the various services required. The pilot process began in September 2011, and will be completed in early 2014. Extensive lessons learned from the pilots are being compiled and are being used in the on-going design and implementation of the permanent Research Data Curation Program in the UC San Diego Library. In this paper, we present specific implementation details of these various services, as well as lessons learned. The program focused on many aspects of contemporary scholarship, including data creation and storage, description and metadata creation, citation and publication, and long term preservation and access. Based on the lessons learned in our processes, the Research Data Curation Program will provide a suite of services from which campus users can pick and choose, as necessary. The program will provide support for the data management requirements from national funding agencies.

  20. 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.

  1. 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...

  2. Work out by Walking: A Pilot Exercise Program for Individuals With Schizophrenia Spectrum Disorders.

    Science.gov (United States)

    Browne, Julia; Penn, David L; Battaglini, Claudio L; Ludwig, Kelsey

    2016-09-01

    The health benefits of exercise are well documented, yet annual health care costs related to physical inactivity are well within the billions. Furthermore, individuals with schizophrenia spectrum disorders (SSDs) are more likely to lead sedentary lives, exercise less than the general population, and die prematurely from preventable causes. Previous research examining the effects of exercise on individuals with SSDs has been encouraging yet limited in creating accessible and sustainable interventions. The current pilot study developed and evaluated the impact of Work out by Walking (WOW), a multicomponent group walking intervention on the health of 16 individuals with SSDs. Results indicated improvements in indicators of physical health, activity level, social support, and mental health and a high level of program satisfaction. Future research should examine multicomponent group walking programs for individuals with SSDs in larger samples and with the inclusion of a comparison condition.

  3. 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...

  4. 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...

  5. 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...

  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. 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 ...

  8. A pilot project of an online cross-age tutoring program: crescent school virtual learning (vLearning).

    Science.gov (United States)

    Chow, Ronald

    2016-11-01

    Traditional classroom teaching is the standard of education. However, there may be some students who feel uncomfortable approaching their teachers and may feel more at ease if they ask for assistance from their peers. There are two types of student-to-student tutoring methods that are supplements to classroom learning: peer tutoring between same-age students and cross-age tutoring between different-age children. Cross-age tutoring programs in which the tutor is 2-3 years older than the tutee have been reported to be more effective than those between same-age students in promoting student responsibility, empowerment and academic performance. A pilot online cross-age tutoring program was launched in September 2014 at Crescent School. A new website was designed, created and implemented with the permission and regular monitoring of the Student Services faculty for the online program - Crescent School Virtual Learning (vLearning). The program was well received and will undergo evaluation in the future.

  9. Development and outcomes of an online-onsite hybrid dental admissions enhancement pilot program.

    Science.gov (United States)

    Hanson, Carrie L; Van Ness, Chris; Gadbury-Amyot, Cynthia C; Crain, Geralyn

    2014-10-01

    The University of Missouri-Kansas City (UMKC) School of Dentistry has piloted two years of an Admissions Enhancement Program (AEP) with students from underrepresented minority groups and/or economically disadvantaged areas of Missouri interested in applying to dental school. The AEP utilizes an innovative online-onsite hybrid format to elevate students' foundational knowledge in biology, chemistry, organic chemistry, and quantitative reasoning. The online component includes interaction with UMKC instructors using tablet technology and Wimba virtual classroom sessions. The onsite component engages students in academic and professional development, enrichment activities targeting skills training, experience in dental labs and clinics, and mentoring in preparing the dental school application, essay writing, and interviewing. Results to date indicate overall program satisfaction among AEP participants and a dental school acceptance rate of 73.7 percent (14/19 students). Participants reported the mock interviews and essay-writing portions contributed to their becoming competitive candidates for the admission process, and the online material enhanced their preparation for the Dental Admission Test (DAT). Pre- and post-AEP data show participant DAT Academic Average scores increased by two points. The school will continue to monitor program participants in subsequent years.

  10. Evaluating and operationalizing an environmental auditing program: a pilot study.

    Science.gov (United States)

    Gordon, Laura; Bruce, Natalie; Suh, Kathryn N; Roth, Virginia

    2014-07-01

    Environmental auditing is an important tool to ensure consistent and effective cleaning. Our pilot study compared an alcohol-based fluorescent marking product and an adenosine-5'-triphosphate bioluminescence product for use in an environmental auditing program to determine which product was more practical and acceptable to users. Both products were tested on 15 preselected high touch objects in randomly selected patient rooms, following regular daily cleaning. A room was considered a "pass" if ≥80% of surfaces were adequately cleaned as defined by manufacturers' guidelines. A qualitative survey assessed user preference and operational considerations. Using fluorescent marking, 9 of 37 patient rooms evaluated (24%) were considered a "pass" after daily cleaning. Using adenosine-5'-triphosphate bioluminescence, 21 of 37 patient rooms passed (57%). There was great variability in results between different high touch objects. Eighty percent of users preferred the alcohol-based fluorescent marking product because it provided an effective visual aid to coach staff on proper cleaning techniques and allowed simple and consistent application. Environmental auditing using translucent, alcohol-based fluorescent marking best met the requirements of our organization. Our results reinforce the importance of involving a multidisciplinary team in evaluating and operationalizing an environmental auditing program. Copyright © 2014 Association for Professionals in Infection Control and Epidemiology, Inc. Published by Mosby, Inc. All rights reserved.

  11. 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

  12. Misoprostol for the prevention of postpartum hemorrhage during home births in rural Lao PDR: establishing a pilot program for community distribution.

    Science.gov (United States)

    Durham, Jo; Phengsavanh, Alongkone; Sychareun, Vanphanom; Hose, Isaac; Vongxay, Viengnakhone; Xaysomphou, Douangphachanh; Rickart, Keith

    2018-01-01

    The purpose of this study was to gather the necessary data to support the design and implementation of a pilot program for women who are unable to deliver in a healthcare facility in the Lao People's Democratic Republic (PDR), by using community distribution of misoprostol to prevent postpartum hemorrhage (PPH). The study builds on an earlier research that demonstrated both support and need for community-based distribution of misoprostol in Lao PDR. This qualitative study identified acceptability of misoprostol and healthcare system needs at varying levels to effectively distribute misoprostol to women with limited access to facility-based birthing. Interviews (n=25) were undertaken with stakeholders at the central, provincial, and district levels and with community members in five rural communities in Oudomxay, a province with high rates of maternal mortality. Focus group discussions (n=5) were undertaken in each community. Respondents agreed that PPH was the major cause of preventable maternal mortality with community distribution of misoprostol an acceptable and feasible interim preventative solution. Strong leadership, training, and community mobilization were identified as critical success factors. While several participants preferred midwives to distribute misoprostol, given the limited availability of midwives, there was a general agreement that village health workers or other lower level workers could safely administer misoprostol. Many key stakeholders, including women themselves, considered that these community-level staff may be able to provide misoprostol to women for self-administration, as long as appropriate education on its use was included. The collected data also helped identify appropriate educational messages and key indicators for monitoring and evaluation for a pilot program. The findings strengthen the case for a pilot program of community distribution of misoprostol to prevent PPH in remote communities where women have limited access to a

  13. 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.

  14. 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.

  15. Surface complexation modeling of uranyl adsorption on corrensite from the Waste Isolation Pilot Plant Site

    Energy Technology Data Exchange (ETDEWEB)

    Park, Sang-Won; Leckie, J.O. [Stanford Univ., CA (United States); Siegel, M.D. [Sandia National Labs., Albuquerque, NM (United States)

    1995-09-01

    Corrensite is the dominant clay mineral in the Culebra Dolomite at the Waste Isolation Pilot Plant. The surface characteristics of corrensite, a mixed chlorite/smectite clay mineral, have been studied. Zeta potential measurements and titration experiments suggest that the corrensite surface contains a mixture of permanent charge sites on the basal plane and SiOH and AlOH sites with a net pH-dependent charge at the edge of the clay platelets. Triple-layer model parameters were determined by the double extrapolation technique for use in chemical speciation calculations of adsorption reactions using the computer program HYDRAQL. Batch adsorption studies showed that corrensite is an effective adsorbent for uranyl. The pH-dependent adsorption behavior indicates that adsorption occurs at the edge sites. Adsorption studies were also conducted in the presence of competing cations and complexing ligands. The cations did not affect uranyl adsorption in the range studied. This observation lends support to the hypothesis that uranyl adsorption occurs at the edge sites. Uranyl adsorption was significantly hindered by carbonate. It is proposed that the formation of carbonate uranyl complexes inhibits uranyl adsorption and that only the carbonate-free species adsorb to the corrensite surface. The presence of the organic complexing agents EDTA and oxine also inhibits uranyl sorption.

  16. Surface complexation modeling of uranyl adsorption on corrensite from the Waste Isolation Pilot Plant Site

    International Nuclear Information System (INIS)

    Park, Sang-Won; Leckie, J.O.; Siegel, M.D.

    1995-09-01

    Corrensite is the dominant clay mineral in the Culebra Dolomite at the Waste Isolation Pilot Plant. The surface characteristics of corrensite, a mixed chlorite/smectite clay mineral, have been studied. Zeta potential measurements and titration experiments suggest that the corrensite surface contains a mixture of permanent charge sites on the basal plane and SiOH and AlOH sites with a net pH-dependent charge at the edge of the clay platelets. Triple-layer model parameters were determined by the double extrapolation technique for use in chemical speciation calculations of adsorption reactions using the computer program HYDRAQL. Batch adsorption studies showed that corrensite is an effective adsorbent for uranyl. The pH-dependent adsorption behavior indicates that adsorption occurs at the edge sites. Adsorption studies were also conducted in the presence of competing cations and complexing ligands. The cations did not affect uranyl adsorption in the range studied. This observation lends support to the hypothesis that uranyl adsorption occurs at the edge sites. Uranyl adsorption was significantly hindered by carbonate. It is proposed that the formation of carbonate uranyl complexes inhibits uranyl adsorption and that only the carbonate-free species adsorb to the corrensite surface. The presence of the organic complexing agents EDTA and oxine also inhibits uranyl sorption

  17. 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.

  18. 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...

  19. 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...

  20. Pilot demonstrations of arsenic removal technologies.

    Energy Technology Data Exchange (ETDEWEB)

    Siegal Malcolm D.

    2004-09-01

    The Arsenic Water Technology Partnership (AWTP) program is a multi-year program funded by a congressional appropriation through the Department of Energy to develop and test innovative technologies that have the potential to reduce the costs of arsenic removal from drinking water. The AWTP members include Sandia National Laboratories, the American Water Works Association (Awwa) Research Foundation and WERC (A Consortium for Environmental Education and Technology Development). The program is designed to move technologies from bench-scale tests to field demonstrations. The Awwa Research Foundation is managing bench-scale research programs; Sandia National Laboratories is conducting the pilot demonstration program and WERC will evaluate the economic feasibility of the technologies investigated and conduct technology transfer activities. The objective of the Sandia Arsenic Treatment Technology Demonstration project (SATTD) is the field demonstration testing of both commercial and innovative technologies. The scope for this work includes: (1) Identification of sites for pilot demonstrations; (2) Accelerated identification of candidate technologies through Vendor Forums, proof-of-principle laboratory and local pilot-scale studies, collaboration with the Awwa Research Foundation bench-scale research program and consultation with relevant advisory panels; and (3) Pilot testing multiple technologies at several sites throughout the country, gathering information on: (a) Performance, as measured by arsenic removal; (b) Costs, including capital and Operation and Maintenance (O&M) costs; (c) O&M requirements, including personnel requirements, and level of operator training; and (d) Waste residuals generation. The New Mexico Environment Department has identified over 90 public water systems that currently exceed the 10 {micro}g/L MCL for arsenic. The Sandia Arsenic Treatment Technology Demonstration project is currently operating pilots at three sites in New Mexico. The cities of

  1. 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.

  2. Development and Pilot Study of Group-Based Dietary Self-Management Program for Community Dwellers with Hypertension

    Directory of Open Access Journals (Sweden)

    Arfiza Ridwan

    2012-08-01

    Full Text Available Background: In most countries worldwide, hypertension is considered as an important problem. Moreover, an increasing trend in the prevalence and incidence has been reported in most countries. This increasing trend requires an innovative approach to improve the lifestyle modification of hypertensive sufferers including their dietary behaviors. Objective: This developmental research aims to develop a program for improving the dietary behaviors of community dwellers with hypertension. Method: The process of this program development includes a literature review related to the self-management programs for hypertension, and dietary behavior outcomes, expert validation, and pilot testing. Result: The setting, strategies, duration, and outcome measurement from the literature review were taken into consideration to develop the new program. The newly developed group-based self-management program consists of: 1 the sharing and reflecting of individual current dietary behavior, 2 group educational session, 3 individual comparison of behavior and reflection of obstacles, 4 individual goal setting, and 5 follow up. In the educational session, the DASH eating plan is used as the reference as it is commonly used in studies about diet for hypertension. Key words: hypertension, self-management, group based program, dietary behaviors.

  3. Hanford Waste Vitrification Program process development: Melt testing subtask, pilot-scale ceramic melter experiment, run summary

    International Nuclear Information System (INIS)

    Nakaoka, R.K.; Bates, S.O.; Elmore, M.R.; Goles, R.W.; Perez, J.M.; Scott, P.A.; Westsik, J.H.

    1996-03-01

    Hanford Waste Vitrification Program (HWVP) activities for FY 1985 have included engineering and pilot-scale melter experiments HWVP-11/HBCM-85-1 and HWVP-12/PSCM-22. Major objectives designated by HWVP fo these tests were to evaluate the processing characteristics of the current HWVP melter feed during actual melter operation and establish the product quality of HW-39 borosilicate glass. The current melter feed, defined during FY 85, consists of reference feed (HWVP-RF) and glass-forming chemicals added as frit

  4. The Italian pilot external quality assessment program for cystic fibrosis sweat test.

    Science.gov (United States)

    Salvatore, Marco; Floridia, Giovanna; Amato, Annalisa; Censi, Federica; Carta, Claudio; de Stefano, Maria Chiara; Ferrari, Gianluca; Tosto, Fabrizio; Capoluongo, Ettore; Caruso, Ubaldo; Castaldo, Giuseppe; Cirilli, Natalia; Corbetta, Carlo; Padoan, Rita; Raia, Valeria; Taruscio, Domenica

    2016-05-01

    Sweat chloride test is the gold standard test for cystic fibrosis (CF) diagnosis. In 2014 the Istituto Superiore di Sanità established the Italian pilot external quality assessment program for CF sweat test (IEQA-ST). Ten laboratories, included among the 33 Italian CF Referral Centers, were selected and enrolled on the basis of their attitude to perform sweat test (ST) analysis by using methods recommended by the Italian Guidelines. They received three different sweat-like samples (normal, borderline and pathologic chloride concentration), with mock clinical indications, for analysis according to routine procedures. Assessment, performed by a panel of experts, covered analytical performance, interpretation and reporting of results; categories of "poor" and "satisfactory" performance were not defined. All data were managed through a web utility. The program identified important areas of interest and, in some case, of concern. It is important to underline that results are referred to a small proportion, i.e. about 30%, of Italian laboratories performing CF ST in the context of the Referral Centers. Data collected highlight the importance of participation in EQA programs as it may improve laboratory/clinical performance; our study represents a model for the setting up of a large-scale EQA scheme for ST. Copyright © 2016 The Canadian Society of Clinical Chemists. Published by Elsevier Inc. All rights reserved.

  5. MENTOR-VIP: Piloting a global mentoring program for injury and violence prevention.

    Science.gov (United States)

    Hyder, Adnan A; Meddings, David; Bachani, Abdulgafoor M

    2009-06-01

    Injuries occur as the result of a confluence of factors: environmental, social, biological, economic, and behavioral. To effectively address the burden of injuries, especially in low- and middle-income countries, a focus is needed on developing the human resource capacity for injury prevention. MENTOR-VIP is a global mentoring program that the authors developed with this need in mind. MENTOR-VIP approaches developing human resources in injury prevention by providing mentoring opportunities for junior professionals involved in its practice, research, and/or programs. MENTOR-VIP entails a 12-month working relationship between junior injury prevention practitioners (mentees) and more experienced individuals in the field (mentors). Its general objective is to improve global human resource capacity to effectively prevent and control injury and violence through the enhanced development of relevant skills. The program is currently in its pilot phase and is nearing the end of its second formal mentoring cycle, which began on September 1, 2008. This article discusses mentoring professionals as a key strategy to developing the human resource component of capacity, and one which complements existing approaches to capacity development. The authors also provide an overview of the rationale, modalities, objectives, and evaluation of MENTOR-VIP. This article highlights the importance of capacity building in the injury prevention field and situates MENTOR-VIP within the larger context of capacity building for global public health.

  6. Connected vehicle pilot deployment program phase 1, safety management plan - Tampa (THEA).

    Science.gov (United States)

    2016-04-01

    This document presents the Safety Management Plan for the THEA Connected Vehicle (CV) Pilot Deployment. The THEA CV Pilot : Deployment goal is to advance and enable safe, interoperable, networked wireless communications among vehicles, the : infrastr...

  7. 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...

  8. A Playful Programming Products Vs. Programming Concepts Matrix

    DEFF Research Database (Denmark)

    Allsopp, Benjamin Brink

    2017-01-01

    to computer program: playful programming. This research also describes a project to bring together different stakeholders (developers, educators, parents and researchers) with a common vocabulary for describing, developing, teaching with and comparing these playful programming products and develops a model......A number of Danish primary schools are involved in pilot studies where 1st to 9th grade students work with Scratch and Lego MindStorms in STEM subjects. These games may become part of the curriculum at these schools. Recent research identifies a category of games and toys that support learning...... to provide educators and researchers involved in pilot studies with an overview of which programming concepts various playful programming products exercise (a playful programming products vs. programming concepts matrix). We also add additional concept specializations and expand on the descriptions...

  9. 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...

  10. 49 CFR 381.410 - What may I do if I have an idea or suggestion for a pilot program?

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 5 2010-10-01 2010-10-01 false What may I do if I have an idea or suggestion for... may I do if I have an idea or suggestion for a pilot program? (a) You may send a written statement...) Principal place of business for the motor carrier (street address, city, State, and zip code); and (4) The...

  11. A specialist peer mentoring program for university students on the autism spectrum: A pilot study.

    Science.gov (United States)

    Siew, Choo Ting; Mazzucchelli, Trevor G; Rooney, Rosanna; Girdler, Sonya

    2017-01-01

    The provision of peer mentoring may improve tertiary education outcomes of students with autism spectrum disorder (ASD). This study evaluated the pilot year of the Curtin Specialist Mentoring Program (CSMP), a specialised peer mentoring program for university students with ASD aimed at improving self-reported well-being, academic success and retention in university studies. A single group pre-test, post-test design was employed. Quantitative and qualitative evaluations were undertaken with 10 young adults with ASD to explore the effectiveness and acceptability of the CSMP program. Students completed a battery of questionnaires focused on general anxiety, state communication apprehension, perceived communication competence, and communication apprehension both prior to, and five months after commencing enrolment in the CSMP. Information regarding academic success and retention was also obtained. Interviews with participants provided further insight into their experience of the program. Students enrolled in the CSMP showed significant improvement in social support and general communication apprehension assessment scores. Interviews revealed key features of the CSMP that may have contributed to these positive outcomes. The current study provides preliminary evidence that a specialised peer mentoring program can improve the well-being of students with ASD, and highlights the importance of interventions which are individualised, flexible, based on a social model, and target environmental factors such as social support.

  12. HIV/TB co-infection:perspectives of TB patients and providers on the integrated HIV/TB pilot program in Tamilnadu, India

    OpenAIRE

    Lakshminarayanan, Mahalakshmi

    2009-01-01

    The WHO recommends routine HIV testing among TB patients as a key strategy to combat the dual HIV/TB epidemic. India has integrated its HIV and TB control programs and is offering provider initiated HIV testing for all TB patients since 2007. Using a mixed methods approach, this study aims to understand the perspectives of TB patients and providers on the integrated HIV/TB pilot program in Tamilnadu, India. A survey conducted by the Tuberculosis Research Center, India on 300 TB patients is th...

  13. Pilot Evaluation of the Feasibility and Acceptability of StressOFF Strategies: A Single-Session School-Based Stress Management Program for Adolescents

    Science.gov (United States)

    Shapiro, Amy J.; Heath, Nancy L.; Carsley, Dana

    2016-01-01

    The present study reports the pilot evaluation of the feasibility and acceptability of StressOFF Strategies, a "single-session" (45 min) adolescent-targeted, school-based psychoeducational program, which introduces cognitive behavioral techniques and mindfulness-based techniques. Five hundred and sixty-five Grade 9 students (57% female;…

  14. Peer tutoring pilot program for the improvement of oral health behavior in underprivileged and immigrant children.

    Science.gov (United States)

    Reinhardt, Claus H; Löpker, Nadine; Noack, Michael J; Klein, Klaus; Rosen, Evelyne

    2009-01-01

    Caries prevalence in underprivileged children is particularly high and, even though many efforts have been made, adherence to dental preventive programs is low. The purpose of this study was to evaluate whether a tutoring program can improve oral health behavior in underprivileged and/or immigrant children. Thirty fourth-grade children (mean age = 9.6), over 50 percent of immigrant background, participated in this longitudinal pilot study. The fourth graders were invited to develop on oral health program for their first-grade peers. For this purpose, the fourth graders learned oral health practices and developed the peer tutoring program. Prior to the intervention and after having instructed their first-grade peers, all fourth graders were interviewed about their oral health habits and their tooth-brushing was recorded on video. Toothbrushing time, performance of circular tooth-brushing movements, and systematic cleaning of all dental surfaces were analyzed before and after the intervention. After peer teaching, there was a significant increase concerning tooth-brushing time (P = .004), performance of circular tooth-brushing movements (P tutoring program yielded a significant improvement in relevant oral care behavior. This approach provided an environment which, in contrast to traditional approaches, facilitates empowerment.

  15. 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.

  16. 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

  17. The Alert Program for Self-Management of Behaviour in Second Level Schools: Results of Phase 1 of a Pilot Study

    Science.gov (United States)

    Mac Cobb, Siobhan; Fitzgerald, Brian; Lanigan-O'Keeffe, Carolyn

    2014-01-01

    This article reports on Phase 1 of a pilot programme on self-management of behaviour with challenging class groups of students as part of the evidence-informed practice of the National Behaviour Support Service. The Alert Program is a structured active learning programme using an engine analogy. The person's engine runs on high, low or just right…

  18. Impacts of an In-Service Education Program on Promoting Language Development in Young Children: A Pilot Study with Early Childhood Educators

    Science.gov (United States)

    Scarinci, Nerina; Rose, Tanya; Pee, Jerrine; Webb, Kylie

    2015-01-01

    Early childhood educators (ECEs) play an important role in fostering language development in young children. In-service education, led by speech-language pathologists (SLPs), has a potential role in educating ECEs about language development. In this pilot study, 42 ECEs attended an in-service education program and completed pre- and…

  19. Strategies for piloting a breast health promotion program in the Chinese-Australian population.

    Science.gov (United States)

    Koo, Fung Kuen; Kwok, Cannas; White, Kate; D'Abrew, Natalie; Roydhouse, Jessica K

    2012-01-01

    In Australia, women from non-English-speaking backgrounds participate less frequently in breast cancer screening than English-speaking women, and Chinese immigrant women are 50% less likely to participate in breast examinations than Australian-born women. Chinese-born Australians comprise 10% of the overseas-born Australian population, and the immigrant Chinese population in Australia is rapidly increasing. We report on the strategies used in a pilot breast health promotion program, Living with Healthy Breasts, aimed at Cantonese-speaking adult immigrant women in Sydney, Australia. The program consisted of a 1-day education session and a 2-hour follow-up session. We used 5 types of strategies commonly used for cultural targeting (peripheral, evidential, sociocultural, linguistic, and constituent-involving) in a framework of traditional Chinese philosophies (Confucianism, Taoism, and Buddhism) to deliver breast health messages to Chinese-Australian immigrant women. Creating the program's content and materials required careful consideration of color (pink to indicate femininity and love), symbols (peach blossoms to imply longevity), word choice (avoidance of the word death), location and timing (held in a Chinese restaurant a few months after the Chinese New Year), communication patterns (the use of metaphors and cartoons for discussing health-related matters), and concern for modesty (emphasizing that all presenters and team members were female) to maximize cultural relevance. Using these strategies may be beneficial for designing and implementing breast cancer prevention programs in Cantonese-speaking Chinese immigrant communities.

  20. Use of Community Readiness Model to Develop and Evaluate a Pilot Culinary Training Program for School Nutrition Staff.

    Science.gov (United States)

    Hildebrand, Deana A; Blevins, Priscilla; Carl, Lillian; Brown, Barbara; Betts, Nancy M; Poe, Tiffany

    2018-02-01

    Use the Community Readiness Model (CRM) to develop and evaluate a contextually appropriate pilot culinary training program for school nutrition staff members. Mixed methods to guide intervention development. Six school districts in rural and urban areas of a southwestern state. School nutrition staff (n = 36; female; 20 years' experience). Pre- and post-training assessments used the CRM. Findings from the pre-assessment were used to develop the pilot culinary training intervention. Readiness to integrate new food preparation methods into existing practices. The researchers used t and Wilcoxon tests to compare overall readiness and dimension scores (P ≤ .05). Thematic analysis was used to identify themes from the discussion component of the assessments. Overall readiness increased from vague awareness to preparation (P = .02). Improved dimensions were knowledge of efforts (P = .004), leadership (P = .05), and knowledge of issues (P = .04). Themes included barriers, leadership, and motivation. The CRM was useful for developing and evaluating a contextually appropriate and effective culinary training program for school nutrition staff. Future efforts should address the provision of additional resources such as on-site chefs, small equipment grants, and engaging school stakeholders. Copyright © 2017 Society for Nutrition Education and Behavior. Published by Elsevier Inc. All rights reserved.

  1. Analysis of bachelor study programs of nursing at universities of Eastern Slovakia: a pilot study

    Directory of Open Access Journals (Sweden)

    Gabriela Kuriplachová

    2016-07-01

    Full Text Available Background: The profile of the nursing studies in Slovakia is harmonized with the criteria of European Directives, enhanced by the adoption of the Declaration of Munich and implemented into the curriculum of educational institutions that provide this traning. Objective: The main objective of the pilot study was to determinate satisfaction of graduates with accredited programs of nursing (prior to the accreditation and after accreditation at two state universities in the eastern region of Slovakia. Methods: The monitored group consisted of total 132 respondents (nursing graduates who completed the 1st degree of nursing study at University of Presov in Presov or University of P. J. Safarik in Kosice in the timeframe 2007-2011. The study was realized during calendar years 2012-2013. One year of nursing clinical practice of graduates was required for this study. Data was collected through a modified questionnaire of feedback used at the University of Presov, Faculty of Health Care within the improvement of curricula program and the whole educational program. Results: Statistically significant differences were observed in area of optional courses of nursing study program (p < 0.05. Compulsory optional courses of nursing program at both universities were more interest and important for clinical practice of graduates after accreditation than before accreditation. Conclusions: The nursing study program meets the educational requirements of European Union. However, study program needs courses, which would be more interesting and effective for clinical practice.

  2. Pilot program to identify valve failures which impact the safety and operation of light water nuclear power plants

    International Nuclear Information System (INIS)

    Tsacoyeanes, J.C.; Raju, P.P.

    1980-04-01

    The pilot program described has been initiated under the Department of Energy Light Water Reactor Safety Research and Development Program and has the following specific objectives: to identify the principal types and causes of failures in valves, valve operators and their controls and associated hardware, which lead to, or could lead to plant trip; and to suggest possible remedies for the prevention of these failures and recommend future research and development programs which could lead to minimizing these valve failures or mitigating their effect on plant operation. The data surveyed cover incidents reported over the six-year period, beginning 1973 through the end of 1978. Three sources of information on valve failures have been consulted: failure data centers, participating organizations in the nuclear power industry, and technical documents

  3. The impact of a videogame-based pilot physical activity program in older adults with schizophrenia on subjectively and objectively measured physical activity

    Directory of Open Access Journals (Sweden)

    Heather eLeutwyler

    2015-12-01

    Full Text Available Objectives: The purpose of this report is to describe the impact of a videogame-based pilot physical activity program using the Kinect for Xbox 360 game system (Microsoft, Redmond, WA on physical activity in older adults with schizophrenia. Methods: In this one group pretest posttest pilot study, twenty participants played an active videogame for 30 minutes, once a week for 6 weeks. Physical activity was measured by self-report with the Yale Physical Activity Survey and objectively with the Sensewear Pro armband at enrollment and at the end of the 6-week program. Results: There was a significant increase in frequency of self-reported vigorous physical activity. We did not detect a statistically significant difference in objectively measured physical activity although increase in number of steps and sedentary activity were in the desired direction. Conclusions: These results suggest participants’ perception of physical activity intensity differs from the intensity objectively captured with a valid and reliable physical activity monitor.

  4. The Impact of a Videogame-Based Pilot Physical Activity Program in Older Adults with Schizophrenia on Subjectively and Objectively Measured Physical Activity.

    Science.gov (United States)

    Leutwyler, Heather; Hubbard, Erin; Cooper, Bruce; Dowling, Glenna

    2015-01-01

    The purpose of this report is to describe the impact of a videogame-based pilot physical activity program using the Kinect for Xbox 360 game system (Microsoft, Redmond, WA, USA) on physical activity in older adults with schizophrenia. In this one group pre-test, post-test pilot study, 20 participants played an active videogame for 30 min, once a week for 6 weeks. Physical activity was measured by self-report with the Yale Physical Activity Survey and objectively with the Sensewear Pro armband at enrollment and at the end of the 6-week program. There was a significant increase in frequency of self-reported vigorous physical activity. We did not detect a statistically significant difference in objectively measured physical activity although increase in number of steps and sedentary activity were in the desired direction. These results suggest participants' perception of physical activity intensity differs from the intensity objectively captured with a valid and reliable physical activity monitor.

  5. Airlie House Pollution Prevention Technology Transfer pilot projects

    Energy Technology Data Exchange (ETDEWEB)

    Thuot, J.R.; Myron, H.; Gatrone, R.; McHenry, J.

    1996-08-01

    The projects were a series of pilot projects developed for DOE with the intention of transferring pollution prevention technology to private industry. The concept was to develop small technology transfer initiatives in partnership with the private sector. Argonne National Laboratory developed three projects: the microscale chemistry in education program, the microscale cost benefit study, and the Bethel New Life recycling trainee program. The two microscale chemistry projects focused on introducing microscale chemistry technologies to secondary and college education. These programs were inexpensive to develop and received excellent evaluations from participants and regulators. The recycle trainee project provided training for two participants and identified recycling and source reduction opportunities in Argonne`s solid waste stream. The pilot projects demonstrated that technology transfer initiatives can be developed and implemented with a small budget and within a short period of time. The essential components of the pilot projects were identification of target technologies that were already available, identification of target audiences, and a focus of effort to achieve a limited but defined objective.

  6. 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,...

  7. Pediatric cardiac surgery Parent Education Discharge Instruction (PEDI) program: a pilot study.

    Science.gov (United States)

    Staveski, Sandra L; Zhelva, Bistra; Paul, Reena; Conway, Rosalind; Carlson, Anna; Soma, Gouthami; Kools, Susan; Franck, Linda S

    2015-01-01

    In developing countries, more children with complex cardiac defects now receive treatment for their condition. For successful long-term outcomes, children also need skilled care at home after discharge. The Parent Education Discharge Instruction (PEDI) program was developed to educate nurses on the importance of discharge teaching and to provide them with a structured process for conducting parent teaching for home care of children after cardiac surgery. The aim of this pilot study was to generate preliminary data on the feasibility and acceptability of the nurse-led structured discharge program on an Indian pediatric cardiac surgery unit. A pre-/post-design was used. Questionnaires were used to evaluate role acceptability, nurse and parent knowledge of discharge content, and utility of training materials with 40 nurses and 20 parents. Retrospective audits of 50 patient medical records (25 pre and 25 post) were performed to evaluate discharge teaching documentation. Nurses' discharge knowledge increased from a mean of 81% to 96% (P = .001) after participation in the training. Nurses and parents reported high levels of satisfaction with the education materials (3.75-4 on a 4.00-point scale). Evidence of discharge teaching documentation in patient medical records improved from 48% (12 of 25 medical records) to 96% (24 of 25 medical records) six months after the implementation of the PEDI program. The structured nurse-led parent discharge teaching program demonstrated feasibility, acceptability, utility, and sustainability in the cardiac unit. Future studies are needed to examine nurse, parent, child, and organizational outcomes related to this expanded nursing role in resource-constrained environments. © The Author(s) 2014.

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

    OpenAIRE

    M. Cotugno; S. Monferrà; G. Sampagnaro

    2013-01-01

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

  9. 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,

  10. Case studies of energy efficiency financing in the original five pilot states, 1993-1996

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B C; Collins, N E; Walsh, R W

    1997-05-01

    The purpose of this report is to document progress in state-level programs in energy efficiency financing programs that are linked with home energy rating systems. Case studies are presented of programs in five states using a federal pilot program to amortize the costs of home energy improvements. The case studies present background information, describe the states` program, list preliminary evaluation data and findings, and discuss problems and solution encountered in the programs. A comparison of experiences in pilot states will be used to provide guidelines for program implementers, federal agencies, and Congress. 5 refs.

  11. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    International Nuclear Information System (INIS)

    2005-01-01

    The DOE established the Groundwater Monitoring Program (GMP) (WP 02-1) to monitor groundwater resources at WIPP. In the past, the GMP was conducted to establish background data of existing conditions of groundwater quality and quantity in the WIPP vicinity, and to develop and maintain a water quality database as required by regulation. Today the GMP is conducted consistent with 204.1.500 NMAC (New Mexico Administrative Code), 'Adoption of 40 CFR [Code of Federal Regulations] Part 264,'specifically 40 CFR 264.90 through 264.101. These sections of 20.4.1 NMAC provide guidance for detection monitoring of groundwater that is, or could be, affected by waste management activities at WIPP. Detection monitoring at WIPP is designed to detect contaminants in the groundwater long before the general population is exposed. Early detection will allow cleanup efforts to be accomplished before any exposure to the general population can occur. Title 40 CFR Part 264, Subpart F, stipulates minimum requirements of Resource Conservation and Recovery Act of 1976 (42 United States Code [U.S.C.] 6901 et seq.) (RCRA) groundwater monitoring programs including the number and location of monitoring wells; sampling and reporting schedules; analytical methods and accuracy requirements; monitoring parameters; and statistical treatment of monitoring data. This document outlines how WIPP intends to protect and preserve groundwater within the WIPP Land Withdrawal Area (WLWA). Groundwater protection is just one aspect of the WIPP environmental protection effort. An overview of the entire environmental protection effort can be found in DOE/WIPP 99-2194, Waste Isolation Pilot Plant Environmental Monitoring Plan. The WIPP GMP is designed to statistically determine if any changes are occurring in groundwater characteristics within and surrounding the WIPP facility. If a change is noted, the cause will then be determined and the appropriate corrective action(s) initiated.

  12. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    Energy Technology Data Exchange (ETDEWEB)

    Washington Regulatory and Environmental Services

    2005-07-01

    The DOE established the Groundwater Monitoring Program (GMP) (WP 02-1) to monitor groundwater resources at WIPP. In the past, the GMP was conducted to establish background data of existing conditions of groundwater quality and quantity in the WIPP vicinity, and to develop and maintain a water quality database as required by regulation. Today the GMP is conducted consistent with 204.1.500 NMAC (New MexicoAdministrative Code), "Adoption of 40 CFR [Code of Federal Regulations] Part 264,"specifically 40 CFR §264.90 through §264.101. These sections of 20.4.1 NMAC provide guidance for detection monitoring of groundwater that is, or could be, affected by waste management activities at WIPP. Detection monitoring at WIPP is designed to detect contaminants in the groundwater long before the general population is exposed. Early detection will allow cleanup efforts to be accomplished before any exposure to the general population can occur. Title 40 CFR Part 264, Subpart F, stipulates minimum requirements of Resource Conservation and Recovery Act of 1976 (42 United States Code [U.S.C.] §6901 et seq.) (RCRA) groundwater monitoring programs including the number and location of monitoring wells; sampling and reporting schedules; analytical methods and accuracy requirements; monitoring parameters; and statistical treatment of monitoring data. This document outlines how WIPP intends to protect and preserve groundwater within the WIPP Land Withdrawal Area (WLWA). Groundwater protection is just one aspect of the WIPP environmental protection effort. An overview of the entire environmental protection effort can be found in DOE/WIPP 99-2194, Waste Isolation Pilot Plant Environmental Monitoring Plan. The WIPP GMP is designed to statistically determine if any changes are occurring in groundwater characteristics within and surrounding the WIPP facility. If a change is noted, the cause will then be determined and the appropriate corrective action(s) initiated.

  13. Contour tracking and corner detection in a logic programming environment

    DEFF Research Database (Denmark)

    Bell, Benjamin; Pau, L. F.

    1990-01-01

    The added functionality such as contour tracking and corner detection which logic programming lends to standard image operators is described. An environment for implementing low-level imaging operations with Prolog predicates is considered. Within this environment, higher-level image predicates (...

  14. 76 FR 63988 - Pilot Project on NAFTA Trucking Provisions; Pre-Authorization Safety Audits

    Science.gov (United States)

    2011-10-14

    ...-0097] Pilot Project on NAFTA Trucking Provisions; Pre-Authorization Safety Audits AGENCY: Federal Motor... motor carriers that applied to participate in the Agency's long-haul pilot program to test and... intent to proceed with the initiation of a United States- Mexico cross-border long-haul trucking pilot...

  15. 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

  16. 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...

  17. Een sociaal-cognitief interventieprogramma voor gedragsgestoorde kinderen, een vooronderzoek. / A social cognitive intervention program for children with a conduct disorder, a pilot study.

    NARCIS (Netherlands)

    van Manen, T.; Prins, P.J.M.; Emmelkamp, P.M.G.

    1999-01-01

    Conducted a pilot study on the efficacy of a social-cognitive group intervention program based on social information-processing theory (K. A. Dodge, 1986) for children with a conduct disorder. Human Ss: 16 Dutch school-age children and adolescents (aged 10-13 yrs) (conduct disorder). Ss participated

  18. 75 FR 70966 - Transit Asset Management (TAM) Pilot Program

    Science.gov (United States)

    2010-11-19

    ... DEPARTMENT OF TRANSPORTATION Federal Transit Administration Transit Asset Management (TAM) Pilot... Management (TAM) systems and ``best practices'', which can be replicated to improve transportation asset... with asset management system suppliers; however the official proposer must be a public agency. The TAM...

  19. Conceptual Design of Object Oriented Program (OOP) for Pilot Code of Two-Fluid, Three-field Model with C++ 6.0

    International Nuclear Information System (INIS)

    Chung, Bub Dong; Lee, Young Jin

    2006-01-01

    Engineering software for design purpose in nuclear industries have been developed since early 1970s, and well established in 1980s. The most popular and common language for the software development has been FORTRAN series, until the more sophisticated GUI and software coupling is needed. The advanced computer language, such as C++, C has been developed to help the programming for the easy GUI need and reuse of well developed routines, with adopting the objective oriented program. A recent trend of programming becomes objective-oriented since the results are often more intuitive and easier to maintain than procedure program. The main motivation of this work is to capture objective oriented concepts for conventional safety analysis programs which consist of many functions and procedure oriented structures. In this work, the new objective programming with C++ 6.0 language has been tried for the PILOT code written in FORTRAN language, and conceptual OOP design of the system safety analysis code has been done

  20. The organizational structure and governing principles of the Food and Drug Administration's Mini-Sentinel pilot program.

    Science.gov (United States)

    Forrow, Susan; Campion, Daniel M; Herrinton, Lisa J; Nair, Vinit P; Robb, Melissa A; Wilson, Marcus; Platt, Richard

    2012-01-01

    The US Food and Drug Administration's Mini-Sentinel pilot program is developing an organizational structure as well as principles and policies to govern its operations. These will inform the structure and function of the eventual Sentinel System. Mini-Sentinel is a collaboration that includes 25 participating institutions. We describe the program's current organizational structure and its major principles and policies. The organization includes a coordinating center with program leadership provided by a principal investigator; a planning board and subcommittees; an operations center; and data, methods, and protocol cores. Ad hoc workgroups are created as needed. A privacy panel advises about protection of individual health information. Principles and policies are intended to ensure that Mini-Sentinel conforms to the principles of fair information practices, protects the privacy of individual health information, maintains the security and integrity of data, assures the confidentiality of proprietary information, provides accurate and timely communications, prevents or manages conflicts of interest, and preserves respect for intellectual property rights. Copyright © 2012 John Wiley & Sons, Ltd.

  1. 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...

  2. A family-oriented treatment program for youths with ketamine abuse and their caregivers: a pilot study in Taiwan

    Directory of Open Access Journals (Sweden)

    Wang LJ

    2015-07-01

    Full Text Available Liang-Jen Wang,1 Shing-Fang Lu,1 Wen-Jiun Chou,1 Mian-Yoon Chong,2 Yao-Hsing Wang,1 Yu-Lian Hsieh,1 Yi-Hsuan Lee,1 Ching Chen2 1Department of Child and Adolescent Psychiatry, 2Department of Psychiatry, Kaohsiung Chang Gung Memorial Hospital and Chang Gung University College of Medicine, Kaohsiung, Taiwan Objective: The abuse of ketamine by youths has grown into a serious public health issue. However, a reliable and efficient treatment has still not been found for youths who abuse ketamine. This pilot study investigated the effects of a family-oriented treatment program for ketamine-using youths and their caregivers.Methods: To carry out this study, 42 youths with ketamine use (mean age 16.6±1.1 years who were referred to take part in a 10-week treatment program based on motivational enhancement principles were selected, as were their principal caregivers (mean age 46.4±7.1 years, who were similarly referred to take part in a 10-week training program for parenting skills. The study had the youths complete the Chinese Craving Beliefs Questionnaire, the Adolescents’ Behavior problem Scale, and the Family APGAR both immediately before and after the program. Likewise, the youths’ caregivers completed the Family APGAR, the 12-item version of the Chinese Health Questionnaire, and the Parenting Stress Index.Results: Of the 42 youth–caregiver pairs that took part in this study, 37 (88% completed the 10-week program and both sets of assessments. After the treatment, the participating youths’ substance cravings declined (t=3.88, P<0.001, while family function, as perceived by the participating caregivers, significantly increased (t=2.22, P=0.033. The improvement in caregivers’ perceptions of family function were positively related to the improvement of the caregivers’ health status (r=-0.36, P=0.022.Conclusion: According to its results, this pilot study submits that family-oriented treatment programs may be considered a potentially effective

  3. Pilot implementation of training modules of the EMERALD program in Brazil

    International Nuclear Information System (INIS)

    Costa, Paulo R.; Yoshimura, Elisabeth M.; Okuno, Emico; Nersissian, Denise Y.; Terini, Ricardo A.

    2014-01-01

    A research cooperation program was established between the Institute of Physics of the University of Sao Paulo and the King's College of London to conduct the translation to Portuguese language, adaptation and update of the X-Ray Diagnostic Radiology training module of the Emerald Program (www.emerald2.eu/cd/Emerald2/). The Emerald Program teaching material in X-Ray Diagnostic Radiology is divided in ten topics covering the basics of Diagnostic Radiology, Quality Control and Radiation Protection. The referred work, besides the translation of the texts into Portuguese, comprised the review of the previously produced material. During the review process, it was decided to update some of the training tasks and add more information related to current topics, such as digital X-ray imaging modalities, multislice computed tomography and tomosynthesis. These new additions will also be available in English. The translated or written texts have been submitted to a cross-reviewing process by the co-authors in order to standardize the language. Moreover, national radiological protection recommendations were included to assist the users of the teaching material with the Brazilian rules of radiation safety and quality control in X-ray medical applications. Part of the material was submitted to a validation and also to a practical assessment process by means of a critical analysis by experts in Medical Physics education during a workshop held in Sao Paulo in March 2014. Finally, a pilot implementation has been organized in order to do the last adjustments before making the material available to other users in Portuguese language. Further assessment and feedback procedures were planned in both London and Sao Paulo, aiming to evaluate and disseminate the final product. (author)

  4. Development and piloting of a treatment foster care program for older youth with psychiatric problems.

    Science.gov (United States)

    McMillen, J Curtis; Narendorf, Sarah Carter; Robinson, Debra; Havlicek, Judy; Fedoravicius, Nicole; Bertram, Julie; McNelly, David

    2015-01-01

    Older youth in out-of-home care often live in restrictive settings and face psychiatric issues without sufficient family support. This paper reports on the development and piloting of a manualized treatment foster care program designed to step down older youth with high psychiatric needs from residential programs to treatment foster care homes. A team of researchers and agency partners set out to develop a treatment foster care model for older youth based on Multi-dimensional Treatment Foster Care (MTFC). After matching youth by mental health condition and determining for whom randomization would be allowed, 14 youth were randomized to treatment as usual or a treatment foster home intervention. Stakeholders were interviewed qualitatively at multiple time points. Quantitative measures assessed mental health symptoms, days in locked facilities, employment and educational outcomes. Development efforts led to substantial variations from the MTFC model and a new model, Treatment Foster Care for Older Youth was piloted. Feasibility monitoring suggested that it was difficult, but possible to recruit and randomize youth from and out of residential homes and that foster parents could be recruited to serve them. Qualitative data pointed to some qualified clinical successes. Stakeholders viewed two team roles - that of psychiatric nurse and skills coaches - very highly. However, results also suggested that foster parents and some staff did not tolerate the intervention well and struggled to address the emotion dysregulation issues of the young people they served. Quantitative data demonstrated that the intervention was not keeping youth out of locked facilities. The intervention needed further refinement prior to a broader trial. Intervention development work continued until components were developed to help address emotion regulation problems among fostered youth. Psychiatric nurses and skills coaches who work with youth in community settings hold promise as important

  5. A workstation-integrated peer review quality assurance program: pilot study

    International Nuclear Information System (INIS)

    O’Keeffe, Margaret M; Davis, Todd M; Siminoski, Kerry

    2013-01-01

    The surrogate indicator of radiological excellence that has become accepted is consistency of assessments between radiologists, and the technique that has become the standard for evaluating concordance is peer review. This study describes the results of a workstation-integrated peer review program in a busy outpatient radiology practice. Workstation-based peer review was performed using the software program Intelerad Peer Review. Cases for review were randomly chosen from those being actively reported. If an appropriate prior study was available, and if the reviewing radiologist and the original interpreting radiologist had not exceeded review targets, the case was scored using the modified RADPEER system. There were 2,241 cases randomly assigned for peer review. Of selected cases, 1,705 (76%) were interpreted. Reviewing radiologists agreed with prior reports in 99.1% of assessments. Positive feedback (score 0) was given in three cases (0.2%) and concordance (scores of 0 to 2) was assigned in 99.4%, similar to reported rates of 97.0% to 99.8%. Clinically significant discrepancies (scores of 3 or 4) were identified in 10 cases (0.6%). Eighty-eight percent of reviewed radiologists found the reviews worthwhile, 79% found scores appropriate, and 65% felt feedback was appropriate. Two-thirds of radiologists found case rounds discussing significant discrepancies to be valuable. The workstation-based computerized peer review process used in this pilot project was seamlessly incorporated into the normal workday and met most criteria for an ideal peer review system. Clinically significant discrepancies were identified in 0.6% of cases, similar to published outcomes using the RADPEER system. Reviewed radiologists felt the process was worthwhile

  6. A workstation-integrated peer review quality assurance program: pilot study

    Science.gov (United States)

    2013-01-01

    Background The surrogate indicator of radiological excellence that has become accepted is consistency of assessments between radiologists, and the technique that has become the standard for evaluating concordance is peer review. This study describes the results of a workstation-integrated peer review program in a busy outpatient radiology practice. Methods Workstation-based peer review was performed using the software program Intelerad Peer Review. Cases for review were randomly chosen from those being actively reported. If an appropriate prior study was available, and if the reviewing radiologist and the original interpreting radiologist had not exceeded review targets, the case was scored using the modified RADPEER system. Results There were 2,241 cases randomly assigned for peer review. Of selected cases, 1,705 (76%) were interpreted. Reviewing radiologists agreed with prior reports in 99.1% of assessments. Positive feedback (score 0) was given in three cases (0.2%) and concordance (scores of 0 to 2) was assigned in 99.4%, similar to reported rates of 97.0% to 99.8%. Clinically significant discrepancies (scores of 3 or 4) were identified in 10 cases (0.6%). Eighty-eight percent of reviewed radiologists found the reviews worthwhile, 79% found scores appropriate, and 65% felt feedback was appropriate. Two-thirds of radiologists found case rounds discussing significant discrepancies to be valuable. Conclusions The workstation-based computerized peer review process used in this pilot project was seamlessly incorporated into the normal workday and met most criteria for an ideal peer review system. Clinically significant discrepancies were identified in 0.6% of cases, similar to published outcomes using the RADPEER system. Reviewed radiologists felt the process was worthwhile. PMID:23822583

  7. Radioactive-waste isolation pilot plant

    International Nuclear Information System (INIS)

    Weart, W.D.

    1977-01-01

    The objective of the Waste Isolation Pilot Plant (WIPP) program is to demonstrate the suitability of bedded salt, specifically, the bedded salt deposits in the Los Medanos area of southeastern New Mexico, as a disposal medium for radioactive wastes. Our program responsibilities include site selection considerations, all aspects of design and development, technical guidance of facility operation, environmental impact assessment, and technical support to ERDA for developing public understanding of the facility

  8. Committee on the Challenges of Modern Society solar energy pilot study. First follow-up report, October 1979, pilot country: United States; co-pilot countries: Denmark and France. CCMS report No. 110

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-01-01

    During 1973 to 1978, over twenty nations participated in the NATO/CCMS Solar Energy Pilot Study, whose objective was to promote and accelerate the use of solar heating and cooling of buildings. The activities in this information exchange included (1) the regular reporting of national solar heating and cooling programs, (2) the development of a format for reporting the performance of solar heating and cooling systems, (3) the exchange of system performance reports, (4) the establishment of two specialized working groups for solar-assisted low energy dwellings and passive solar applications. At the conclusion of the pilot study in 1978, the participants formulated recommendations for continued action at the international level, as well as for action at the national level. This report describes the progress made in implementing those recommendations. In addition to detailing the steps taken to continue collaboration in various efforts initiated within the Solar Energy Pilot Study, the report contains papers on the 1979 status of the solar heating and cooling programs in seventeen CCMS countries.

  9. A personalized, multi-platform nutrition, exercise, and lifestyle coaching program: A pilot in women

    Directory of Open Access Journals (Sweden)

    M. Héroux

    2017-03-01

    Full Text Available The aim of this pilot study was to examine if a personalized web-based multi-platform nutrition, exercise, and lifestyle coaching program, supported weight loss and the reduction of chronic disease risk factors in overweight or obese women. Twenty-eight women completed the program, which represented 50% of those who provided baseline data. The program consisted of a one-year curriculum with daily exercise, nutritional habits, and health behaviour lessons along with access to a one-on-one coach. The workouts, habits, and lessons were available via computer, tablet, and mobile device which, along with coaching, facilitated self-monitoring and accountability. At baseline and 12-months, weight, waist circumference, fat mass, muscle mass, blood pressure, total cholesterol, low density lipoproteins, high density lipoproteins, triglycerides, C reactive protein, and fasting glucose were collected. Over the 12 months, women who completed the program, (average age 49.64 (SD 10.99 years, lost 16.52 (SD 13.63 lbs (P < 0.001, and reduced waist circumference by 3.56 (SD 2.31 in (P < 0.0001. Diastolic blood pressure decreased by 3.77 (SD 7.25 mm Hg (P = 0.02 and high density lipoproteins increased by 0.16 (SD 0.28 mmol/L (P = 0.01. No other risk factors changed significantly. Compliance was a significant predictor of weight loss (P < 0.01. In conclusion, women who completed the web-based program experienced significant weight loss (8.62% of initial body weight coming predominantly from body fat. Chronic disease risk factors also improved.

  10. 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.

  11. Pilot solid-waste incinerator

    International Nuclear Information System (INIS)

    Farber, M.G.; Hootman, H.E.; Trapp, D.J.

    1982-01-01

    An experimental program to develop and confirm technology for incinerating solid radioactive waste is in progress at the Savannah River Laboratory (SRL) in support of the short-term and long-term waste management objectives of the Savannah River Plant (SRP). This report reviews the experience of a pilot incinerator with a capacity of 1.0 lb/hr. The facility was tested with nonradioactive materials similar to the radioactive waste generated at the Savannah River site. The experimental program included determining operating parameters, testing wet and dry off-gas treatment systems, and evaluating materials of construction

  12. 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.

  13. Overview of the Quality Assurance Program Applied to the Performance Assessment of the Waste Isolation Pilot Plant

    International Nuclear Information System (INIS)

    Pickering, S.Y.

    1999-01-01

    The Waste Isolation Pilot Plant (WIPP) is the first deep geologic repository for radioactive waste disposal in the world to be certified by a regulator. Rigorous, nuclear-industry quality assurance (QA) requirements were imposed by the US Environmental Protection Agency. As the Scientific Advisor to the US Department of Energy, Sandia National Laboratories applied these standards to the experimental studies and performance assessment used in the certification process. The QA program ensured that activities conducted by SNL were traceable, transparent, reviewed, reproducible, and retrievable. As a result, regulators and stakeholders were able to evaluate and ultimately certify and accept the WIPP

  14. A Pilot Program Integrating Hepatitis B Virus (HBV) Screening into an Outpatient Endoscopy Unit Improves HBV Screening Among an Ethnically Diverse Safety-Net Hospital.

    Science.gov (United States)

    Campbell, Brendan; Lopez, Aristeo; Liu, Benny; Bhuket, Taft; Wong, Robert J

    2018-01-01

    Safety-net hospitals are enriched in ethnic minorities and provide opportunities for high-impact hepatitis B virus (HBV) screening. We aim to evaluate the impact of a pilot program integrating HBV screening into outpatient endoscopy among urban safety-net populations. From July 2015 to May 2017, consecutive adults undergoing outpatient endoscopy were prospectively assessed for HBV screening eligibility using US Preventative Services Task Force guidelines. Rates of prior HBV screening were assessed, and those eligible but not screened were offered HBV testing. Multivariate logistic regression models evaluated predictors of test acceptance among eligible patients. Among 1557 patients (47.1% male, 69.4% foreign born), 65.1% were eligible for HBV screening, among which 24.5% received prior screening. In our pilot screening program in the endoscopy unit, 91.4% (n = 855) of eligible patients accepted HBV testing. However, only 55.3% (n = 415) of those that accepted actually completed HBV testing. While there was a trend toward higher rates of test acceptance among African-Americans compared to non-Hispanic whites (OR 3.31, 95% CI 0.96-11.38, p = 0.06), no other sex-specific or race/ethnicity-specific disparities in HBV test acceptance were observed. Among those who completed HBV testing, we identified 10 new patients with chronic HBV (2.4% prevalence). Only 24.5% of eligible patients received prior HBV screening among our cohort. Our pilot program integrating HBV screening into outpatient endoscopy successfully tested an additional 415 patients, improving overall HBV screening from 24.5 to 75.6%. Integrating HBV testing into non-traditional settings has potential to bridge the gap in HBV screening among safety-net systems.

  15. Implementation of a Cardiovascular Disease Prevention Program among School-Aged Children: A Pilot Study

    Directory of Open Access Journals (Sweden)

    Lavon Young

    2006-09-01

    Full Text Available The objective of this study was to test students’ knowledge of cardiovascular disease information and to determine if a carefully structured training program administered to high school students would increase their knowledge about cardiovascular disease and risk factors that are preventable. A pilot study was conducted during which fifty high school students from nine counties in the State of Mississippi were measured for their knowledge of hypertension both at baseline and after the completion of an intervention training activity. There were significant gains in knowledge between the pre-test and the post-test that the students completed. The gains in knowledge indicate that elimination of risk factors is possible if all health care and school-based prevention programs are implemented to positively impact changes in eating and physical activity behaviors. Students’ involvement in such activities could translate into significant changes in risk factors at these ages and throughout their lifetime. It is widely accepted that these behavioral changes, if sustained into adulthood, could have the potential to influence cardiovascular risk reduction.

  16. Pilot Implementation of two evidence based programs (SafeCare and IncredibleYears in Child Protection Services in Gipuzkoa (Spain

    Directory of Open Access Journals (Sweden)

    Joaquín de Paul

    2015-08-01

    Full Text Available This paper describes the implementation process of two evidence-based programs in Gipuzko as Child Protection System (Spain: SafeCare and Incredible Years. SafeCare is a home visiting program for high-riskand neglectful families with children under 5 years. Incredible Years is a parenting skills training program for families with children between 4 to 8 years with behavior problems whose parents have significantdifficulties to manage. The paper describes the process by which public institutions responsible for child protection in Gipuzkoa decided to shift from current intervention programs towards more structured, focused, and short-term programs that have shown positive results in previous applications in other countries. Issues related to programs adaptation, selection, and training of professionals and pre- and postresults obtained in the preliminary application of SafeCare and Incredible Years to a limited set of families are presented. Finally, the next step of the implementation process (pilot implementation with a randomized control trial design is described. The paper discusses a significant number of issues that have been important throughout this process and that may be useful for administrations and institutions that wish to undertake a similar process.

  17. Condition based maintenance pilot projects at Pickering ND

    International Nuclear Information System (INIS)

    Zemdegs, R.T.

    1995-01-01

    Ontario Hydro has recognized that the approaches to maintenance have undergone significant changes to the past decades. The traditional break down maintenance approach has been replaced by preventative maintenance and more recently, by condition based maintenance. The nuclear plants of Ontario Hydro have evaluated on a number of alternative programs to improve their maintenance effectiveness and to reduce costs, including Reliability Centred Maintenance (RCM), call-up review, component-based PM programs, analysis of failure history and so on. Pickering ND (nuclear division) and Ontario Hydro's Nuclear Technologies Services Division, have embarked on a Condition Based Maintenance pilot project to address the above issues as a breakthrough solution for smarter maintenance. The Condition Based Maintenance pilot project will demonstrate an end-to-end process utilizing a Reliability Centred Maintenance structured approach to re-engineer and redefine the existing maintenance programs. The project emphasizes on-condition maintenance where justified, and utilizes an information management tool to provide the required records keeping and analysis infrastructure. This paper briefly describes the planned maintenance model at Pickering ND used to guide the CBM pilot, and an overview of the methodology used to develop on-condition equipment indicators as part of a re-engineered maintenance plan

  18. Screening women for cervical cancer carcinoma with a HPV mRNA test: first results from the Venice pilot program.

    Science.gov (United States)

    Maggino, Tiziano; Sciarrone, Rocco; Murer, Bruno; Dei Rossi, Maria Rosa; Fedato, Chiara; Maran, Michela; Lorio, Melania; Soldà, Marika; Zago, Fiorella; Giorgi Rossi, Paolo; Zorzi, Manuel

    2016-08-23

    HPV DNA-based screening is more effective than a Pap test in preventing cervical cancer, but the test is less specific. New HPV tests have been proposed for primary screening. The HPV mRNA test showed a similar or slightly lower sensitivity than the HPV DNA tests but with a higher specificity. We report the results of an organised HPV mRNA-based screening pilot program in Venice, Italy. From October 2011 to May 2014, women aged 25-64 years were invited to undergo a HPV mRNA test (Aptima). Those testing positive underwent cytological triage. Women with positive cytology were referred to colposcopy, whereas those with negative cytology were referred to repeat the HPV mRNA test 1 year later. The results of the HPV mRNA test program were compared with both the local historical cytology-based program and with four neighbouring DNA HPV-based pilot projects. Overall, 23 211 women underwent a HPV mRNA test. The age-standardised positivity rate was 7.0%, higher than in HPV DNA programs (6.8%; relative rate (RR) 1.11, 95% confidence interval (CI) 1.05-1.17). The total colposcopy referral was 5.1%, double than with cytology (2.6%; RR 2.02, 95% CI 1.82-2.25) but similar to the HPV DNA programs (4.8%; RR 1.02; 95% CI 0.96-1.08). The cervical intraepithelial neoplasia grade 2+ detection rate with HPV mRNA was greater than in the HPV DNA programs at baseline (RR 1.50; 95% CI 1.19-1.88) and not significantly lower at the 1-year repeat (RR 0.70; 95% CI 0.40-1.16). The overall RR was 1.29 (95% CI 1.05-1.59), which was much higher than with cytology (detection rate 5.5‰ vs 2.1‰; RR 2.50, 95% CI 1.76-3.62). A screening programme based on the HPV mRNA obtained results similar to those observed with the HPV DNA test. In routine screening programmes, even a limited increase in HPV prevalence may conceal the advantage represented by the higher specificity of HPV mRNA.

  19. Development of 1000kW-class MCFC pilot plant

    Energy Technology Data Exchange (ETDEWEB)

    Ooue, M.; Yasue, H. [MCFC Research Association, Mie (Japan); Takasu, K.; Tsuchitori, T.

    1996-12-31

    This pilot plant is a part of the New Sunshine Program which has proceeded by the Agency of Industrial Science and Technology of the Ministry of International Trade and Industry. MCFC Research Association is entrusted with the development of the pilot plant, and constructing it at Kawagoe site. Following items will be verified by this pilot plant operation. (a) Development of 250kW class stack and confirmation of stack performance and decay rate. (b) System verification such as basic process, control system and operation characteristics, toward commercialization. (c) To get design data for demonstration plant.

  20. Strengthening Incarcerated Families: Evaluating a Pilot Program for Children of Incarcerated Parents and Their Caregivers.

    Science.gov (United States)

    Miller, Alison L; Perryman, Jamie; Markovitz, Lara; Franzen, Susan; Cochran, Shirley; Brown, Shavonnea

    2013-10-01

    Parental incarceration can be devastating for families. Children may experience difficulties, and the stress on caregivers who take on unexpected childrearing is high. We implemented and evaluated a family-level intervention with caregivers and children experiencing parental (typically maternal) incarceration, in a community setting. We partnered with a community-based organization serving families with an incarcerated parent to conduct a pilot trial of the Strengthening Families Program (SFP). Process evaluation indicated high implementation fidelity, satisfaction, engagement, and attendance. Outcome evaluation results indicated positive changes in family-level functioning, caregivers' positive parenting, and caregiver depression symptoms from pre- to post-intervention, with some changes retained at follow-up 4 months later. Implications for preventive interventions with children of incarcerated parents, and their caregivers, are discussed.