WorldWideScience

Sample records for lends additional support

  1. 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.

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

    Science.gov (United States)

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

    2016-10-01

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

  3. 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.

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

    Directory of Open Access Journals (Sweden)

    Xiangxiang Zeng

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

  5. Breastfeeding peer support: are there additional benefits?

    Science.gov (United States)

    Wade, Deborah; Haining, Shona; Day, Ann

    2009-12-01

    Anecdotal discussion among breastfeeding peer supporters and the infant-feeding co-ordinator suggested that breastfeeding peer support provided by breastfeeding peer supporters may offer benefits to breastfeeding women and their families other than increasing breastfeeding initiation and sustainability. The aim of this research was to determine whether there was evidence to support this. The research team used focus groups to obtain information from 16 local women who had received breastfeeding peer support from breastfeeding peer supporters. The key themes that emerged were--improved mental health, increased self-esteem or confidence, parenting skills, improved family diet, breastfeeding sustainability and poor hospital experience.The findings suggest that breastfeeding peer supporters supporting mothers to breastfeed, with the intention of increasing both breastfeeding rates and sustainability, may have additional benefits in several aspects of families' lives. Breastfeeding peer support may play an important role in helping to attain targets such as reducing obesity and postnatal depression.

  6. 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…

  7. 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...

  8. Building Strength or Lending an Ear in Legal Conflicts: Dependence and Conflict Asymmetry as Distinct Predictors of Needs for Support

    NARCIS (Netherlands)

    van Dijk, Maria Anna Jozefa; Giebels, Ellen; Zebel, Sven

    2016-01-01

    Being aware of psychological aspects of legal conflicts can benefit the efficiency of legal aid. We propose that needs for support may be particularly dependent upon the experience of asymmetry between conflict parties. We distinguish between two types of asymmetry and examine how they relate to

  9. Parents' Responses to a Kindergarten-Classroom Lending-Library Component Designed to Support Shared Reading at Home

    Science.gov (United States)

    Meyer, Lori E.; Ostrosky, Michaelene M.; Yu, SeonYeong; Favazza, Paddy C.; Mouzourou, Chryso; van Luling, Lisa; Park, Hyejin

    2016-01-01

    Teachers often recommend that families engage their children in shared book reading to support literacy learning at home. When teachers purposefully provide families with home literacy activities there are benefits for everyone involved. The purpose of this article is to report the findings of a study that examined parental participation and…

  10. 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…

  11. 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…

  12. Supporting student nurses in practice with additional online communication tools.

    Science.gov (United States)

    Morley, Dawn A

    2014-01-01

    Student nurses' potential isolation and difficulties of learning on placement have been well documented and, despite attempts to make placement learning more effective, evidence indicates the continuing schism between formal learning at university and situated learning on placement. First year student nurses, entering placement for the first time, are particularly vulnerable to the vagaries of practice. During 2012 two first year student nurse seminar groups (52 students) were voluntarily recruited for a mixed method study to determine the usage of additional online communication support mechanisms (Facebook, wiki, an email group and traditional methods of support using individual email or phone) while undertaking their first five week clinical placement. The study explores the possibility of strengthening clinical learning and support by promoting the use of Web 2.0 support groups for student nurses. Results indicate a high level of interactivity in both peer and academic support in the use of Facebook and a high level of interactivity in one wiki group. Students' qualitative comments voice an appreciation of being able to access university and peer support whilst working individually on placement. Recommendations from the study challenge universities to use online communication tools already familiar to students to complement the support mechanisms that exist for practice learning. This is tempered by recognition of the responsibility of academics to ensure their students are aware of safe and effective online communication. Copyright © 2013 Elsevier Ltd. All rights reserved.

  13. Self-supporting rhombic infill structures for additive manufacturing

    DEFF Research Database (Denmark)

    Wu, Jun; Wang, Charlie C.L.; Zhang, Xiaoting

    2016-01-01

    Recent work has demonstrated that the interior material layout of a 3D model can be designed to make a fabricated replica satisfy application-specific demands on its physical properties, such as resistance to external loads. A widely used practice to fabricate such models is by layer-based additive...... manufacturing (AM), which however suffers from the problem of adding and removing interior supporting structures. In this paper, we present a novel method for generating application-specific infill structures on rhombic cells so that the resultant structures can automatically satisfy manufacturing requirements...... on overhang-angle and wall-thickness. Additional supporting structures can be avoided entirely in our framework. To achieve this, we introduce the usage of an adaptive rhombic grid, which is built from an input surface model. Starting from the initial sparse set of rhombic cells, via numerical optimization...

  14. Complete mitochondrial genome sequences of three bats species and whole genome mitochondrial analyses reveal patterns of codon bias and lend support to a basal split in Chiroptera.

    Science.gov (United States)

    Meganathan, P R; Pagan, Heidi J T; McCulloch, Eve S; Stevens, Richard D; Ray, David A

    2012-01-15

    Order Chiroptera is a unique group of mammals whose members have attained self-powered flight as their main mode of locomotion. Much speculation persists regarding bat evolution; however, lack of sufficient molecular data hampers evolutionary and conservation studies. Of ~1200 species, complete mitochondrial genome sequences are available for only eleven. Additional sequences should be generated if we are to resolve many questions concerning these fascinating mammals. Herein, we describe the complete mitochondrial genomes of three bats: Corynorhinus rafinesquii, Lasiurus borealis and Artibeus lituratus. We also compare the currently available mitochondrial genomes and analyze codon usage in Chiroptera. C. rafinesquii, L. borealis and A. lituratus mitochondrial genomes are 16438 bp, 17048 bp and 16709 bp, respectively. Genome organization and gene arrangements are similar to other bats. Phylogenetic analyses using complete mitochondrial genome sequences support previously established phylogenetic relationships and suggest utility in future studies focusing on the evolutionary aspects of these species. Comprehensive analyses of available bat mitochondrial genomes reveal distinct nucleotide patterns and synonymous codon preferences corresponding to different chiropteran families. These patterns suggest that mutational and selection forces are acting to different extents within Chiroptera and shape their mitochondrial genomes. Copyright © 2011 Elsevier B.V. All rights reserved.

  15. 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...

  16. 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...

  17. 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.

  18. 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.

  19. 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...

  20. 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.

  1. Commercial satellite data as support to the additional protocol declarations

    International Nuclear Information System (INIS)

    Joensson, Camilla; Andersson, Christer

    2001-01-01

    Full text: Objectives - The overall objective of the project is to show how commercial satellite data can be used for safeguard purposes both at SKI and the International Atomic Energy Agency. Furthermore this project will support IAEA in its process to develop methods to make the best use of provided information such as digitised maps and satellite images. Finally it will give IAEA a case study of the usefulness of satellite data for change detection purposes. Background - The protocol calls among others for an extended/complete declaration of all nuclear fuel cycle-related research and development activities as well as sites where nuclear material is or was customarily used. The declaration shall include descriptions of all buildings at the sites as well as maps. In parallel to the development of the additional protocol IAEA has started to use a variety of measures/techniques both to verify that declarations are complete and correct but also to be able to come to the conclusion that a state has no undeclared nuclear material or undeclared nuclear activities. One such technique is the use of commercial satellite data. The IAEA is now in the process of evaluating the usefulness and effectiveness of such data for safeguard purposes. In order to come to a decision on how to use satellite data IAEA is highly dependant on support from member states which can provide results from case studies etc. Analysis - This project shall provide SKI with digitised maps and commercial satellite data by the means of GIS to verify the descriptions provided by two of the nuclear operators. Furthermore those digital data can be included in the declaration given to IAEA. The overall aim is to enhance the quality of the Swedish declaration including support to IAEA to develop methods to use commercial satellite data. Results - The paper will present experiences and mapping results made during the work. (author)

  2. 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. ...

  3. 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...

  4. 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

  5. Job attitudes among workers with disabilities: The importance of family support in addition to organizational support.

    Science.gov (United States)

    Pérez, Vanesa; Alcover, Carlos-María; Chambel, Maria José

    2015-01-01

    In the case of workers with disabilities, family support is often essential to gain access to the labor market and achieve personal autonomy and financial independence, in addition to fostering job satisfaction and permanence in the organization. Moreover, the support offered by organizations is particularly valued by workers with disabilities, as the organizations that hire such people generally go to considerable lengths to ensure their adaptation and integration in the workplace, contributing to job satisfaction and permanence in the organization. The aim of this study is to investigate the relationships between organizational support and family support with job satisfaction and intention to quit the organization among workers with disabilities employed in ordinary firms. Our study surveyed 204 workers using a questionnaire, and we used Structural Equation Modeling (SEM) analyses to test these relationships. Our results show that organizational support is a significant explanatory factor in the levels of job satisfaction. Moreover, our results indicate that the participants perceived high levels of support from their families, facilitating the conciliation of work and family life. Our results have practical implications in order to improve full integration and normalization of workers with disabilities in ordinary jobs.

  6. 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.

  7. 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.

  8. The combined effects of additives and supports on the synthesis of oxygenates over supported rhodium

    International Nuclear Information System (INIS)

    Chuang, S.C.; Tian, Y.; Goodwin, J.G. Jr.; Wender, I.

    1985-01-01

    There are potential advantages in the use of synthesis gas for the selective synthesis of oxygenated compounds rather than of hydrocarbons. This is due to the more versatile applications and higher value of oxygenates compared with that of hydrocarbons. Rh is known to be active in catalyzing, both heterogeneously and homogeneously, the formation of oxygenated compounds from synthesis gas. In a heterogeneous reaction system, the activity and selectivity of Rh catalysts are very sensitive to the chemical environment of Rh. By modifying its chemical environment through the use of various supports and/or with the addition of different promoters, Rh can selectively produce mostly oxygenates or mostly hydrocarbons. Studies have been carried out aimed at delineating the possible routes and intermediates involved in the formation of oxygenates and the function of additives (alkali promoters) and supports in the synthesis of oxygenates. Among the unpromoted Rh, the C/sub 2/ oxygenate selectivity decreased in the order: Rh/SiO/sub 2/ > Rh/MgO > Rh/La/sub 2/O/sub 3/ > Rh black, Rh/TiO/sub 2/ > Rh/Al/sub 2/O/sub 3/. High pressures improve selectivity to C/sub 2/ oxygenate compounds. Suppression of hydrogenation and ethanol dehydration was identified as major effects of alkali promotion. CO insertion was found to be dependent on both alkali promoters and on the supports. Results of ethanol addition indicated that the alkali species are located on both the Rh metal and on the support. The reaction network of CO hydrogenation on variously promoted catalysts is delineated, and the effect of secondary reactions on the overall product distribution is discussed

  9. Navy Additive Manufacturing: Policy Analysis for Future DLA Material Support

    Science.gov (United States)

    2014-12-01

    of the requirements for the degree of MASTER OF BUSINESS ADMINISTRATION from the NAVAL POSTGRADUATE SCHOOL December 2014 Author...15 3. Vat Photopolymerization...................................................................16 4. Jetting...this: how should DLA best support AM efforts in the Navy in order for the Navy to achieve its goals using 3D printing? What is the most cost

  10. 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...

  11. 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.

  12. 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.

  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. 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...

  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. 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.

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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,

  2. 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.

  3. 12 CFR 34.62 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

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

  4. Lending behavior of multinational bank affiliates

    Directory of Open Access Journals (Sweden)

    Alexis Derviz

    2011-03-01

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

  5. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

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

  6. The Effectiveness of Additional Literacy Support (ALS) in Years 3 and 4

    Science.gov (United States)

    Bunn, Tim

    2008-01-01

    This study compared the progress in reading and spelling of 256 children in 11 classes in 9 English primary schools in Years 3 and 4, and a partially overlapping sample of 126 children who received additional help with literacy during 1 year. Teachers and teaching assistants used either Additional Literacy Support (ALS), a highly structured set of…

  7. 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

  8. 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

  9. 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...

  10. 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...

  11. 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…

  12. 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

  13. 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...

  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. 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...

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

    Science.gov (United States)

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

    2015-02-01

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

  17. Contact-Free Support Structures for Part Overhangs in Powder-Bed Metal Additive Manufacturing

    Directory of Open Access Journals (Sweden)

    Kenneth Cooper

    2017-12-01

    Full Text Available This study investigates the feasibility of a novel concept, contact-free support structures, for part overhangs in powder-bed metal additive manufacturing. The intent is to develop alternative support designs that require no or little post-processing, and yet, maintain effectiveness in minimizing overhang distortions. The idea is to build, simultaneously during part fabrications, a heat sink (called “heat support”, underneath an overhang to alter adverse thermal behaviors. Thermomechanical modeling and simulations using finite element analysis were applied to numerically research the heat support effect on overhang distortions. Experimentally, a powder-bed electron beam additive manufacturing system was utilized to fabricate heat support designs and examine their functions. The results prove the concept and demonstrate the effectiveness of contact-free heat supports. Moreover, the method was tested with different heat support parameters and applied to various overhang geometries. It is concluded that the heat support proposed has the potential to be implemented in industrial applications.

  18. Teachers’ perceptions of students’ additional support needs : in the eye of the beholder?

    NARCIS (Netherlands)

    Bruggink, Marjon; Goei, Sui L.; Koot, Hans M.

    2016-01-01

    Nowadays, teachers are regarded as key players in the process of identifying and catering to students’ additional support needs within mainstream primary classrooms. However, teachers’ professional judgements regarding students with special needs have been found to be contextually influenced (e.g.

  19. Additional Support for the Information Systems Analyst Exam as a Valid Program Assessment Tool

    Science.gov (United States)

    Carpenter, Donald A.; Snyder, Johnny; Slauson, Gayla Jo; Bridge, Morgan K.

    2011-01-01

    This paper presents a statistical analysis to support the notion that the Information Systems Analyst (ISA) exam can be used as a program assessment tool in addition to measuring student performance. It compares ISA exam scores earned by students in one particular Computer Information Systems program with scores earned by the same students on the…

  20. 12 CFR 208.51 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

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

  1. 12 CFR 365.2 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

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

  2. Additive Manufacturing of Overhang Structures Using Moisture-Cured Silicone with Support Material

    Directory of Open Access Journals (Sweden)

    Mohan Muthusamy

    2018-04-01

    Full Text Available Additive manufacturing (AM of soft materials has a wide variety of applications, such as customized or wearable devices. Silicone is one popular material for these applications given its favorable material properties. However, AM of silicone parts with overhang structures remains challenging due to the soft nature of the material. Overhang structures are the areas where there is no underlying structure. Typically, a support material is used and built in the underlying space so that the overhang structures can be built upon it. Currently, there is no support structure that has been used for AM of silicone. The goal of this study is to develop an AM process to fabricate silicone parts with overhang structures. We first identified and confirmed poly-vinyl alcohol (PVA, a water-soluble material, as a suitable support material for silicone by evaluating the adhesion strength between silicone and PVA. Process parameters for the support material, including critical overhang angle and minimum infill density for the support material, are identified. However, overhang angle alone is not the only determining factor for support material. As silicone is a soft material, it deflects due to its own weight when the height of the overhang structure increases. A finite element model is developed to estimate the critical overhang height paired with different overhang angles to determine whether the use of support material is needed. Finally, parts with overhang structures are printed to demonstrate the capability of the developed process.

  3. Nurses in need of additional support: web sites offering information in eldercare nursing environments.

    Science.gov (United States)

    Matusitz, Jonathan; Breen, Gerald-Mark; Marathe, Shriram S; Wan, Thomas T H

    2010-01-01

    Studies have shown the usefulness of telemedicine and telecare in multiple settings. One form of telemedicine is e-health. Residents of nursing homes are a unique population that may significantly benefit from the e-health resources available to their caregivers. E-health Web sites appear to be viable, feasible, and timely interventional methods to provide the additional knowledge and support practitioners in these settings may need to provide preventative, reactive, and remedial care for frail residents.

  4. 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

  5. Additional Interventions to Enhance the Effectiveness of Individual Placement and Support: A Rapid Evidence Assessment

    Directory of Open Access Journals (Sweden)

    Naomi Boycott

    2012-01-01

    Full Text Available Topic. Additional interventions used to enhance the effectiveness of individual placement and support (IPS. Aim. To establish whether additional interventions improve the vocational outcomes of IPS alone for people with severe mental illness. Method. A rapid evidence assessment of the literature was conducted for studies where behavioural or psychological interventions have been used to supplement standard IPS. Published and unpublished empirical studies of IPS with additional interventions were considered for inclusion. Conclusions. Six published studies were found which compared IPS alone to IPS plus a supplementary intervention. Of these, three used skills training and three used cognitive remediation. The contribution of each discrete intervention is difficult to establish. Some evidence suggests that work-related social skills and cognitive training are effective adjuncts, but this is an area where large RCTs are required to yield conclusive evidence.

  6. Effect of niobium addition in support catalysts applied in satellite propulsion

    Energy Technology Data Exchange (ETDEWEB)

    Soares, M.S., E-mail: marciosteinmetz@hotmail.com.br [Space Research National Institute, Combustion & Propulsion Associated Laboratory (Brazil); University of São Paulo, Lorena Engineering School, Materials Engineering Dept. (Brazil); Barbosa, R.D. [Space Research National Institute, Combustion & Propulsion Associated Laboratory (Brazil); University of São Paulo, Lorena Engineering School, Chemical Engineering Dept. (Brazil); Cruz, G.M. da; Rodrigues, J.A.J. [Space Research National Institute, Combustion & Propulsion Associated Laboratory (Brazil); Ribeiro, S. [University of São Paulo, Lorena Engineering School, Materials Engineering Dept. (Brazil)

    2017-03-01

    Catalysts composed of iridium as the active phase dispersed in aluminum oxide (Ir/Al{sub 2}O{sub 3}) are used in propulsion systems that employ hydrazine as monopropellant in the control of satellite orbit and attitude. The aluminum oxide (Al{sub 2}O{sub 3}) utilized as support must present high values of specific surface area, pore volume, and crush strength. The niobium effect was evaluated in this work, in its oxide form (Nb{sub 2}O{sub 5}), by 3 different methods: with the employment of a NbCl{sub 5} precursor solution, by wet impregnation and dry impregnation of an alumina obtained from a mixture of gibbsite and boehmite and by physical mixing of gibbsite and hydrated niobium oxide, both autoclaved separately. Aluminum oxides were prepared in both cases containing Nb{sub 2}O{sub 5} contents of 10, 20, and 30% w/w. The acid impregnating NbCl{sub 5} solution in the wet impregnation method caused a strong attack to the Al{sub 2}O{sub 3} support, altering and compromising its initial structure and morphology. This process did not occur in the supports prepared by dry impregnation. However, results indicated that the use of this methodology with Nb{sub 2}O{sub 5} contents of 20% and 30%, caused an extensive coverage of the support by Nb{sub 2}O{sub 5}, modifying the nature and amount of alumina sites responsible for anchorage of the iridium precursor. In the case of supports prepared through physical mixture (Nb{sub 2}O{sub 5}-Al{sub 2}O{sub 3}) from aluminum hydroxide and niobium acid precursor compounds, with both being previously autoclaved separately, the 20% and 30% Nb{sub 2}O{sub 5} contents presented the most promising properties, since the binder effect caused by amorphous Nb{sub 2}O{sub 5} increased the crush strength of the support, without compromising the aluminum oxide morphology and texture. Despite of existence of stronger acid sites due to the addition of niobium oxide to aluminum oxide, no increase in the acidity of the materials was observed due

  7. Decision Support System to Choose Digital Single Lens Camera with Simple Additive Weighting Method

    Directory of Open Access Journals (Sweden)

    Tri Pina Putri

    2016-11-01

    Full Text Available One of the technologies that evolve today is Digital Single Lens Reflex (DSLR camera. The number of products makes users have difficulties to choose the appropriate camera based on their criteria. Users may utilize several ways to help them choosing the intended camera such as using magazine, internet, and other media. This paper discusses about a web based decision support system to choose cameras by using SAW (Simple Additive Weighting method in order to make the decision process more effective and efficient. This system is expected to give recommendations about the camera which is appropriate with the user’s need and criteria based on the cost, the resolution, the feature, the ISO, and the censor. The system was implemented by using PHP and MySQL. Based on the result of questionnaire distributed to 20 respondents, 60% respondents agree that this decision support system can help users to choose the appropriate camera DSLR in accordance with the user’s need, 60% of respondents agree that this decision support system is more effective to choose DSLR camera and 75% of respondents agree that this system is more efficient. In addition, 60.55% of respondents agree that this system has met 5 Es Usability Framework.

  8. Supporting renewable energy on liberalised markets: green electricity between additionally and consumer sovereignty

    International Nuclear Information System (INIS)

    Menges, R.

    2003-01-01

    The German feed-in regulation has been perhaps the most effective promotional policy for green electricity. However, with the growing momentum of the liberalisation process the current regulation is challenged by structural problems about how to address the demand side. Price regulation leaves little room for private green electricity market activities. Moreover, the success of the feed-in regulation depends on a strict differentiation of the political segment and the emerging green electricity markets. The question, therefore, is about the role green electricity markets can (or should) perform in general. In order to evaluate green electricity markets the additionality criteria is frequently used, implying that markets are only desirable if they lead to additional environmental effects. The additionality criteria has two implications: First, transformed into individual behaviour, additionality implies that consumers are assumed to act as pure altruists. However, there is evidence from empirical studies that green electricity consumers behave more as impure altruists: they are not so much interested in the objective environmental impact of their behaviour but more objected to receive a private satisfaction from buying an environmental friendly product. Whereas theoretical models in the case of pure altruism suggest that private activities crowd out totally when policy becomes active in supporting the public good, this crowding out disappears in the case of impure altruism. Second, using end-state criteria such as the additionality principle as precondition, and neglecting process criteria such as consumer sovereignty, means to prevent establishing competitive market process right at the outset in principle. (author)

  9. Supporting renewable energy on liberalised markets: green electricity between additionality and consumer sovereignty

    International Nuclear Information System (INIS)

    Menges, Roland

    2003-01-01

    The German feed-in regulation has been perhaps the most effective promotional policy for green electricity. However, with the growing momentum of the liberalisation process the current regulation is challenged by structural problems about how to address the demand side. Price regulation lefts only little room for private green electricity market activities. Moreover, the success of the feed-in regulation depends on a strict differentiation of the political segment and the emerging green electricity markets. The question, therefore, is about the role green electricity markets can (or should) perform in general. In order to evaluate green electricity markets the additionality criteria is frequently used, implying that markets are only desirable if they lead to additional environmental effects. The additionality criteria has two implications: First, transformed into individual behaviour, additionality implies that consumers are assumed to act as pure altruists. However, there is evidence from empirical studies that green electricity consumers behave more as impure altruists: they are not so much interested in the objective environmental impact of their behaviour but more objected to receive a private satisfaction from buying an environmental friendly product. Whereas theoretical models in the case of pure altruism suggest that private activities crowd out totally when policy becomes active in supporting the public good, this crowding out disappears in the case of impure altruism. Second, using end-state criteria such as the additionality principle as pre-condition, and neglecting process criteria such as consumer sovereignty, means to prevent establishing competitive market process right at the outset in principle

  10. Study of Supported Nickel Catalysts Prepared by Aqueous Hydrazine Method. Hydrogenating Properties and Hydrogen Storage: Support Effect. Silver Additive Effect

    International Nuclear Information System (INIS)

    Wojcieszak, R.

    2006-06-01

    We have studied Ni or NiAg nano-particles obtained by the reduction of nickel salts (acetate or nitrate) by hydrazine and deposited by simple or EDTA-double impregnation on various supports (γ-Al 2 O 3 , amorphous or crystallized SiO 2 , Nb 2 O 5 , CeO 2 and carbon). Prepared catalysts were characterized by different methods (XRD, XPS, low temperature adsorption and desorption of N 2 , FTIR and FTIR-Pyridine, TEM, STEM, EDS, H 2 -TPR, H 2 -adsorption, H 2 -TPD, isopropanol decomposition) and tested in the gas phase hydrogenation of benzene or as carbon materials in the hydrogen storage at room temperature and high pressure. The catalysts prepared exhibited better dispersion and activity than classical catalysts. TOF's of NiAg/SiO 2 or Ni/carbon catalysts were similar to Pt catalysts in benzene hydrogenation. Differences in support acidity or preparation method and presence of Ag as metal additive play a crucial role in the chemical reduction of Ni by hydrazine and in the final properties of the materials. Ni/carbon catalysts could store significant amounts of hydrogen at room temperature and high pressure (0.53%/30 bars), probably through the hydrogen spillover effect. (author)

  11. 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.

  12. 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

  13. 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...

  14. 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.

  15. 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.

  16. 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.

  17. 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...

  18. 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...

  19. 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

  20. 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...

  1. 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 ...

  2. Additional safety assessment of common means or support of the Marcoule centre

    International Nuclear Information System (INIS)

    2012-01-01

    This report first presents some characteristics of the Marcoule centre: location and environment, base nuclear installations and other installations, technical installations and installations classified for protection of the environment which could affect the safety of nearby installations, demographic and industrial environment and risks generated for the site's installations, general description of crisis management means. The second part addresses situations to be considered, functional needs related to additional safety assessments, needs in terms of support functions, and critical structures and equipment. The next parts address the seismic risk (structure and equipment sizing, margin assessment, flooding due to an earthquake, loss of electric supply due to an earthquake), the flooding risk (flooding sources, main alarm measures, structure and equipment sizing and availability for crisis management during a flooding from different origins), other extreme phenomena (lightning, hail, wind, external fire), the loss of electric supplies and the loss of cooling systems, the organisation of accident management, and subcontracting practices

  3. 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,

  4. 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.

  5. 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...

  6. 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

  7. 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

  8. 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.

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

    Directory of Open Access Journals (Sweden)

    Mehdi Alipour-Hafezi

    2016-12-01

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

  10. State lends support for industrial parks / Ella Karapetyan

    Index Scriptorium Estoniae

    Karapetyan, Ella

    2010-01-01

    Valitsus kavatseb asutada sihtasutust Ida-Virumaa Tööstusparkide Arendus, mis peaks looma 4000 töökohta. Ühendatakse SA Jõhvi Tööstuspark, SA Narva Tööstuspark ja SA Püssi Tööstusala Arendus

  11. CHALLENGES AROUND DIGITAL BOOK LENDING LIBRARY

    Directory of Open Access Journals (Sweden)

    Julio Alonso-Arévalo

    2015-03-01

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

  12. 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.

  13. 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

  14. 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...

  15. The biobehavioral family model: testing social support as an additional exogenous variable.

    Science.gov (United States)

    Woods, Sarah B; Priest, Jacob B; Roush, Tara

    2014-12-01

    This study tests the inclusion of social support as a distinct exogenous variable in the Biobehavioral Family Model (BBFM). The BBFM is a biopsychosocial approach to health that proposes that biobehavioral reactivity (anxiety and depression) mediates the relationship between family emotional climate and disease activity. Data for this study included married, English-speaking adult participants (n = 1,321; 55% female; M age = 45.2 years) from the National Comorbidity Survey Replication, a nationally representative epidemiological study of the frequency of mental disorders in the United States. Participants reported their demographics, marital functioning, social support from friends and relatives, anxiety and depression (biobehavioral reactivity), number of chronic health conditions, and number of prescription medications. Confirmatory factor analyses supported the items used in the measures of negative marital interactions, social support, and biobehavioral reactivity, as well as the use of negative marital interactions, friends' social support, and relatives' social support as distinct factors in the model. Structural equation modeling indicated a good fit of the data to the hypothesized model (χ(2)  = 846.04, p = .000, SRMR = .039, CFI = .924, TLI = .914, RMSEA = .043). Negative marital interactions predicted biobehavioral reactivity (β = .38, p social support, inversely (β = -.16, p social support as a predicting factor in the model. © 2014 Family Process Institute.

  16. The work of the European Union Reference Laboratory for Food Additives (EURL) and its support for the authorisation process of feed additives in the European Union: a review

    Science.gov (United States)

    von Holst, Christoph; Robouch, Piotr; Bellorini, Stefano; de la Huebra, María José González; Ezerskis, Zigmas

    2016-01-01

    ABSTRACT This paper describes the operation of the European Union Reference Laboratory for Feed Additives (EURL) and its role in the authorisation procedure of feed additives in the European Union. Feed additives are authorised according to Regulation (EC) No. 1831/2003, which introduced a completely revised authorisation procedure and also established the EURL. The regulations authorising feed additives contain conditions of use such as legal limits of the feed additives, which require the availability of a suitable method of analysis for official control purposes under real world conditions. It is the task of the EURL to evaluate the suitability of analytical methods as proposed by the industry for this purpose. Moreover, the paper shows that one of the major challenges is the huge variety of the methodology applied in feed additive analysis, thus requiring expertise in quite different analytical areas. In order to cope with this challenge, the EURL is supported by a network of national reference laboratories (NRLs) and only the merged knowledge of all NRLs allows for a scientifically sound assessment of the analytical methods. PMID:26540604

  17. 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.

  18. 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...

  19. 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 ...

  20. 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...

  1. 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.

  2. 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...

  3. "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...

  4. 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.

  5. 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...

  6. 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 ...

  7. 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...

  8. Bending Moment Decrease of Reinforced Concrete Beam Supported by Additional CFRP

    Directory of Open Access Journals (Sweden)

    Mykolas Daugevičius

    2011-04-01

    Full Text Available The calculation method of reinforced concrete beam with additional CFRP composite is proposed in this article. This method estimates tangential angular concrete deformations in tensioned beam layers between steel and bonded carbon fiber reinforced polymer. The horizontal slip of CFRP composite reduce beam bending moment capacity. An additional coefficient to reduce CFRP resultant force is necessary for better precision of bending moment capacity. Also, various calculation methods of bending moment capacity are considered. Article in Lithuanian

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

    OpenAIRE

    Uyen, Tran Dinh; Ha, Hoang

    2017-01-01

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

  10. 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.

  11. 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.

  12. Decision support system of e-book provider selection for library using Simple Additive Weighting

    Science.gov (United States)

    Ciptayani, P. I.; Dewi, K. C.

    2018-01-01

    Each library has its own criteria and differences in the importance of each criterion in choosing an e-book provider for them. The large number of providers and the different importance levels of each criterion make the problem of determining the e-book provider to be complex and take a considerable time in decision making. The aim of this study was to implement Decision support system (DSS) to assist the library in selecting the best e-book provider based on their preferences. The way of DSS works is by comparing the importance of each criterion and the condition of each alternative decision. SAW is one of DSS method that is quite simple, fast and widely used. This study used 9 criteria and 18 provider to demonstrate how SAW work in this study. With the DSS, then the decision-making time can be shortened and the calculation results can be more accurate than manual calculations.

  13. 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.

  14. 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.

  15. Commercial Satellite Data as a Support to the Additional Protocol Declarations

    International Nuclear Information System (INIS)

    Isaksson, Stig; Dahlin, Goeran; Joensson, Camilla

    2003-05-01

    The overall objective of the project is to show how commercial satellite data can be used for safeguard purposes both at the Swedish Nuclear Power Inspectorate, SKI and IAEA. Furthermore the experiences from this project can support IAEA in its process to develop methods and routines to make the best use of the Member State provided information in combination with satellite images. Finally it will give IAEA a relevant case study of the usefulness of satellite data for change detection purposes. This project shall provide SKI with digitised maps and commercial satellite data to verify the descriptions provided by two Swedish nuclear operators. Furthermore those digital data may be included in the declaration given to IAEA. The long-term aim is to enhance the quality of the Swedish declaration as well as to give the IAEA support as regards methods to use commercial satellite data. The project has provided SKI with digitised vector maps and optical satellite data over two selected nuclear sites. Furthermore these data will help to verify the descriptions that those two Swedish nuclear operators will give to SKI. The selected sites in this project are: Simpevarp with the three Oskarshamn nuclear power reactors, CLAB (the Central Interim Storage Facility for Spent Nuclear Fuel) and Aespoe laboratory. The area has been chosen since it contains nuclear power reactors, as well as storage facilities for used nuclear fuels and an underground research laboratory. For the Simpevarp site historical data has also been included to illustrate changes that have occurred since the first reactor O1 came in to use; and Studsvik with the materials testing reactor 'R2', a number of other types of nuclear technical activities and other non-nuclear related activities. The site has been chosen for its complexity

  16. Effects of the addition of functional electrical stimulation to ground level gait training with body weight support after chronic stroke.

    Science.gov (United States)

    Prado-Medeiros, Christiane L; Sousa, Catarina O; Souza, Andréa S; Soares, Márcio R; Barela, Ana M F; Salvini, Tania F

    2011-01-01

    The addition of functional electrical stimulation (FES) to treadmill gait training with partial body weight support (BWS) has been proposed as a strategy to facilitate gait training in people with hemiparesis. However, there is a lack of studies that evaluate the effectiveness of FES addition on ground level gait training with BWS, which is the most common locomotion surface. To investigate the additional effects of commum peroneal nerve FES combined with gait training and BWS on ground level, on spatial-temporal gait parameters, segmental angles, and motor function. Twelve people with chronic hemiparesis participated in the study. An A1-B-A2 design was applied. A1 and A2 corresponded to ground level gait training using BWS, and B corresponded to the same training with the addition of FES. The assessments were performed using the Modified Ashworth Scale (MAS), Functional Ambulation Category (FAC), Rivermead Motor Assessment (RMA), and filming. The kinematics analyzed variables were mean walking speed of locomotion; step length; stride length, speed and duration; initial and final double support duration; single-limb support duration; swing period; range of motion (ROM), maximum and minimum angles of foot, leg, thigh, and trunk segments. There were not changes between phases for the functional assessment of RMA, for the spatial-temporal gait variables and segmental angles, no changes were observed after the addition of FES. The use of FES on ground level gait training with BWS did not provide additional benefits for all assessed parameters.

  17. 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.

  18. 20 CFR 10.332 - What additional medical information will OWCP require to support continuing payment of benefits?

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false What additional medical information will OWCP require to support continuing payment of benefits? 10.332 Section 10.332 Employees' Benefits OFFICE OF... COMPENSATION UNDER THE FEDERAL EMPLOYEES' COMPENSATION ACT, AS AMENDED Medical and Related Benefits Medical...

  19. The effect of potassium addition to Pt supported on YSZ on steam reforming of mixtures of methane and ethane

    NARCIS (Netherlands)

    Graf, P.O.; Mojet, Barbara; Lefferts, Leonardus

    2009-01-01

    The influence of potassium addition on Pt supported on yttrium-stabilized zirconia (YSZ) was studied with FT-IR CO adsorption and CO-FT-IR-TPD, in order to understand the effect of potassium on the performance of the catalyst in reforming of mixtures of methane and ethane. Potassium modification of

  20. 49 CFR 40.303 - What happens if the SAP believes the employee needs additional treatment, aftercare, or support...

    Science.gov (United States)

    2010-10-01

    ... recommended services. You may also make use of SAP and employee assistance program (EAP) services in assisting... 49 Transportation 1 2010-10-01 2010-10-01 false What happens if the SAP believes the employee needs additional treatment, aftercare, or support group services even after the employee returns to...

  1. 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.

  2. 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 ...

  3. 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.

  4. 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.

  5. 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

  6. 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.

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

    Directory of Open Access Journals (Sweden)

    Tony Takeda

    2005-03-01

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

  8. 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] ...

  9. 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

  10. 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

  11. 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

  12. 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

  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 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...

  15. 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…

  16. 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

  17. 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).

  18. 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...

  19. 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...

  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. 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...

  2. 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...

  3. 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...

  4. DECISION SUPPORT SYSTEM PEMBERIAN BONUS TAHUNAN PADA KARYAWAN BERDASARKAN KINERJA KARYAWAN MENGGUNAKAN METODE SIMPLE ADDITIVE WEIGHTING (STUDY KASUS : STMIK PRINGSEWU

    Directory of Open Access Journals (Sweden)

    Zulkifli Zulkifli

    2017-05-01

    Full Text Available Bonuses is one method that is widely used as a form of tribute to workers whose performance so far can be considered satisfactory by the company. So is the case with STMIK Pringsewu that rewards Her staff as a token of appreciation for its performance over the years. However, the annual bonus is only given to employees who are considered berprestasit. It required a decision support system (DSS or decesion support system that can take into account all the criteria that support and to help facilitate the decision making process. This decision support system using Simple Additive Wighting (SAW. The issue of decision support is basically a form of election of the various alternative actions that may be selected include discipline or the number of absences in a year, length of employment, crafts, and work in a year that the process through specific mechanisms, in hopes of generating a best decision. Employees who got the votes of 100% working receive an annual bonus that is the departure of the hajj, work evaluation 87.5% earn an annual bonus that is the departure of Umrah, and the assessment work 75% earn an annual bonus that is the departure of the general allowance.

  5. 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.

  6. Identification of a common language describing paediatric physiotherapy practice for children with additional support needs, to support communication with those outside the physiotherapy profession.

    Science.gov (United States)

    Hunter, Cathleen; Maciver, Donald; Howden, Stella; Forsyth, Kirsty; Adamson, Amanda; Bremner, Lynne

    2013-03-01

    Children with additional support needs (ASNs) often require physiotherapy intervention to help maximise their participation within the primary school setting. The aim of this research was to investigate paediatric physiotherapy practice in supporting primary school aged children with ASNs, in order to identify a language to describe this, which could be used to support communication with teachers, parents and others outside the profession. Using a qualitative research multiple methods design, 2 focus groups and 5 structured interviews were held to investigate physiotherapy practice for this group. Senior paediatric physiotherapists (n=13) from a range of specialities, with experience of supporting primary school aged children with ASNs. Focus groups and interviews were digitally recorded, transcribed verbatim and analysed to establish links and patterns: followed by a cyclical process of respondent validation, and expert review. Eight targets for physiotherapy intervention and twelve technique headings were synthesised from the data. The language used for labelling and description of these was aimed to be easily understood by colleagues outside the profession. The findings clearly identified the role of the paediatric physiotherapist as being to support primary school aged children with ASNs to acquire aspects of postural control, mobility and cardio-respiratory function. By grouping the data into eight areas of challenge as the focus of intervention, and twelve commonly used techniques, the researchers generated a language which can be used by paediatric physiotherapists to support communication with teachers, parents and others outside the profession, when describing their intent and interactions regarding these children. Copyright © 2012 Chartered Society of Physiotherapy. Published by Elsevier Ltd. All rights reserved.

  7. Introducing embedded indigenous psychological support teams: a suggested addition to psychological first aid in an international context.

    Science.gov (United States)

    Edwards-Stewart, Amanda; Ahmad, Zeba S; Thoburn, John W; Furman, Rich; Lambert, Ashly J; Shelly, Lauren; Gunn, Ginger

    2012-01-01

    The current article introduces Embedded Indigenous Psychological Support Teams (IPST) as a possible addition to current disaster relief efforts. This article highlights psychological first aid in an international context by drawing on mainstream disaster relief models such as The American Red Cross, Critical Incident Stress Management, and Flexible Psychological First Aid. IPST are explained as teams utilizing techniques from both CISM and FPFA with a focus on resiliency. It is currently theorized that in utilizing IPST existing disaster relief models may be more effective in mitigating negative physical or mental health consequences post-disaster.

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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 ...

  16. 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.

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

    Directory of Open Access Journals (Sweden)

    Ho Thanh Tung

    2017-10-01

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

  18. 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...

  19. 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

  20. 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…

  1. Novel support effects on the mechanism of propene-deuterium: Addition and exchange reactions over dispersed ZrO2

    International Nuclear Information System (INIS)

    Naito, Shuichi; Tanimoto, Mitsutoshi

    1995-01-01

    The effect on the rate and mechanisms of propene-deuterium reactions of dispersing ZrO 2 on various supports such as silica, alumina, and titanium dioxide has been studied by microwave spectroscopic analysis of monodeuteropropene as well as by kinetic investigation. By dispersal of ZrO 2 on these supports, the rate of the C 3 H 6 -D 2 reactions is increased considerbly compared to that over unsupported ZrO 2 , with the decrease of activation energy. Hydrogen exchange in propene proceeds simultaneously with addition via the associative mechanism through n-propyl and s-propyl intermediates. Through XPS analysis of ZrO 2 /SiO 2 , it was found that a monolayer of ZrO 2 is formed over the silica support. The monolayer catalyst exhibits catalytic behavior quite different from that of unsupported ZrO 2 . On the other hand, alumina surfaces modified by ZrO 2 layers may be the main active sites in the case of ZrO 2 /Al 2 O 3 . The marked enhancement of the reaction rate in the lower loading region of ZrO 2 /TiO 2 may be explained by the strong interaction of atomically dispersed zirconium ions with active centers on TiO 2 . 28 refs., 10 figs., 1 tab

  2. Additive survival least square support vector machines: A simulation study and its application to cervical cancer prediction

    Science.gov (United States)

    Khotimah, Chusnul; Purnami, Santi Wulan; Prastyo, Dedy Dwi; Chosuvivatwong, Virasakdi; Sriplung, Hutcha

    2017-11-01

    Support Vector Machines (SVMs) has been widely applied for prediction in many fields. Recently, SVM is also developed for survival analysis. In this study, Additive Survival Least Square SVM (A-SURLSSVM) approach is used to analyze cervical cancer dataset and its performance is compared with the Cox model as a benchmark. The comparison is evaluated based on the prognostic index produced: concordance index (c-index), log rank, and hazard ratio. The higher prognostic index represents the better performance of the corresponding methods. This work also applied feature selection to choose important features using backward elimination technique based on the c-index criterion. The cervical cancer dataset consists of 172 patients. The empirical results show that nine out of the twelve features: age at marriage, age of first getting menstruation, age, parity, type of treatment, history of family planning, stadium, long-time of menstruation, and anemia status are selected as relevant features that affect the survival time of cervical cancer patients. In addition, the performance of the proposed method is evaluated through a simulation study with the different number of features and censoring percentages. Two out of three performance measures (c-index and hazard ratio) obtained from A-SURLSSVM consistently yield better results than the ones obtained from Cox model when it is applied on both simulated and cervical cancer data. Moreover, the simulation study showed that A-SURLSSVM performs better when the percentage of censoring data is small.

  3. Sign-Supported English: is it effective at teaching vocabulary to young children with English as an Additional Language?

    Science.gov (United States)

    Marshall, Chloë R; Hobsbaum, Angela

    2015-01-01

    Children who are learning English as an Additional Language (EAL) may start school with smaller vocabularies than their monolingual peers. Given the links between vocabulary and academic achievement, it is important to evaluate interventions that are designed to support vocabulary learning in this group of children. To evaluate an intervention, namely Sign-Supported English (SSE), which uses conventionalized manual gestures alongside spoken words to support the learning of English vocabulary by children with EAL. Specifically, the paper investigates whether SSE has a positive impact on Reception class children's vocabulary development over and above English-only input, as measured over a 6-month period. A total of 104 children aged 4-5 years were recruited from two neighbouring schools in a borough of Outer London. A subset of 66 had EAL. In one school, the teachers used SSE, and in the other school they did not. Pupils in each school were tested at two time points (the beginning of terms 1 and 3) using three different assessments of vocabulary. Classroom-based observations of the teachers' and pupils' manual communication were also carried out. Results of the vocabulary assessments revealed that using SSE had no effect on how well children with EAL learnt English vocabulary: EAL pupils from the SSE school did not learn more words than EAL pupils at the comparison school. SSE was used in almost half of the teachers' observations in the SSE school, while spontaneous gestures were used with similar frequency by teachers in the comparison school. There are alternative explanations for the results. The first is that the use of signs alongside spoken English does not help EAL children of this age to learn words. Alternatively, SSE does have an effect, but we were unable to detect it because (1) teachers in the comparison school used very rich natural gesture and/or (2) teachers in the SSE school did not know enough BSL and this inhibited their use of spontaneous gesture

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

    OpenAIRE

    Liu, Luke

    2011-01-01

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

  5. 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.

  6. Support vector machine to predict diesel engine performance and emission parameters fueled with nano-particles additive to diesel fuel

    Science.gov (United States)

    Ghanbari, M.; Najafi, G.; Ghobadian, B.; Mamat, R.; Noor, M. M.; Moosavian, A.

    2015-12-01

    This paper studies the use of adaptive Support Vector Machine (SVM) to predict the performance parameters and exhaust emissions of a diesel engine operating on nanodiesel blended fuels. In order to predict the engine parameters, the whole experimental data were randomly divided into training and testing data. For SVM modelling, different values for radial basis function (RBF) kernel width and penalty parameters (C) were considered and the optimum values were then found. The results demonstrate that SVM is capable of predicting the diesel engine performance and emissions. In the experimental step, Carbon nano tubes (CNT) (40, 80 and 120 ppm) and nano silver particles (40, 80 and 120 ppm) with nanostructure were prepared and added as additive to the diesel fuel. Six cylinders, four-stroke diesel engine was fuelled with these new blended fuels and operated at different engine speeds. Experimental test results indicated the fact that adding nano particles to diesel fuel, increased diesel engine power and torque output. For nano-diesel it was found that the brake specific fuel consumption (bsfc) was decreased compared to the net diesel fuel. The results proved that with increase of nano particles concentrations (from 40 ppm to 120 ppm) in diesel fuel, CO2 emission increased. CO emission in diesel fuel with nano-particles was lower significantly compared to pure diesel fuel. UHC emission with silver nano-diesel blended fuel decreased while with fuels that contains CNT nano particles increased. The trend of NOx emission was inverse compared to the UHC emission. With adding nano particles to the blended fuels, NOx increased compared to the net diesel fuel. The tests revealed that silver & CNT nano particles can be used as additive in diesel fuel to improve complete combustion of the fuel and reduce the exhaust emissions significantly.

  7. The status of bank lending to SMES in the Middle East and North Africa region : the results of a joint survey of the Union of Arab Bank and the World Bank

    OpenAIRE

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

    2011-01-01

    Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems than private banks. On another hand, credit guarantee schemes are a popular form of support to SME finan...

  8. 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

  9. 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.

  10. 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...

  11. Beyond Mentoring: A Review of Literature Detailing the Need for Additional and Alternative Forms of Support for Novice Music Teachers

    Science.gov (United States)

    Bell-Robertson, Catherine G.

    2015-01-01

    Support for music teachers new to the profession is important and necessary. Some school districts use traditional mentor-mentee pairings as their primary support for novice music teachers; however, many factors in the professional lives of music teachers, such as traveling among multiple schools or a lack of subject-specific colleagues often…

  12. 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

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

    NARCIS (Netherlands)

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

    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

  14. 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...

  15. 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...

  16. 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.

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

    NARCIS (Netherlands)

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

    2012-01-01

    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

  18. 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...

  19. 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...

  20. 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

  1. 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

  2. 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

  3. 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

  4. Food additives

    Science.gov (United States)

    ... GO About MedlinePlus Site Map FAQs Customer Support Health Topics Drugs & Supplements Videos & Tools Español You Are Here: Home → Medical Encyclopedia → Food additives URL of this page: //medlineplus.gov/ency/article/ ...

  5. Government chartered banks step up oil and gas lending

    International Nuclear Information System (INIS)

    Crow, P.

    1994-01-01

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

  6. Patient preference compared with random allocation in short-term psychodynamic supportive psychotherapy with indicated addition of pharmacotherapy for depression.

    NARCIS (Netherlands)

    Van, H.L.; Dekker, J.J.M.; Koelen, J.; Kool, S.; van Aalst, G.; Hendriksen, I.J.M.; Peen, J.; Schoevers, R.A.

    2009-01-01

    Depressed patients randomized to psychotherapy were compared with those who had been chosen for psychotherapy in a treatment algorithm, including addition of an antidepressant in case of early nonresponse. There were no differences between randomized and by-preference patients at baseline in

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

    OpenAIRE

    Gaston Giordana; Ingmar Schumacher

    2011-01-01

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

  8. Fish composition and species richness in eastern South American coastal lagoons: additional support for the freshwater ecoregions of the world.

    Science.gov (United States)

    Petry, A C; Guimarães, T F R; Vasconcellos, F M; Hartz, S M; Becker, F G; Rosa, R S; Goyenola, G; Caramaschi, E P; Díaz de Astarloa, J M; Sarmento-Soares, L M; Vieira, J P; Garcia, A M; Teixeira de Mello, F; de Melo, F A G; Meerhoff, M; Attayde, J L; Menezes, R F; Mazzeo, N; Di Dario, F

    2016-07-01

    The relationships between fish composition, connectivity and morphometry of 103 lagoons in nine freshwater ecoregions (FEOW) between 2·83° S and 37·64° S were evaluated in order to detect possible congruence between the gradient of species richness and similarities of assemblage composition. Most lagoons included in the study were fish species accounted for a significant portion of species richness. Relationships between species and area in small-sized lagoons (composition within the primary, secondary and peripheral or marine divisions revealed strong continental biogeographic patterns only for species less tolerant or intolerant to salinity. Further support for the FEOW scheme in the eastern border of South America is therefore provided, and now includes ecotonal systems inhabited simultaneously by freshwater and marine species of fishes. © 2016 The Fisheries Society of the British Isles.

  9. 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...

  10. 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...

  11. 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.

  12. 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...

  13. 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

  14. Validation of a scale for network therapy: a technique for systematic use of peer and family support in addition treatment.

    Science.gov (United States)

    Keller, D S; Galanter, M; Weinberg, S

    1997-02-01

    Substance abuse treatments are increasingly employing standardized formats. This is especially the case for approaches that utilize an individual psychotherapy format but less so for family-based approaches. Network therapy, an approach that involves family members and peers in the patient's relapse prevention efforts, is theoretically and clinically differentiated in this paper from family systems therapy for addiction. Based on these conceptual differences, a Network Therapy Rating Scale (NTRS) was developed to measure the integrity and differentiability of network therapy from other family-based approaches to addiction treatment. Seven addictions faculty and 10 third- and fourth-year psychiatry residents recently trained in the network approach used the NTRS to rate excerpts of network and family systems therapy sessions. Data revealed the NTRS had high internal consistency reliability when utilized by both groups of raters. In addition, network and nonnetwork subscales within the NTRS rated congruent therapy excerpts significantly higher than noncongruent therapy excerpts, indicating that the NTRS subscales measure what they are designed to measure. Implications for research and training are discussed.

  15. Determinants of loan maturity in small business lending

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-06-01

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

  16. ANALYSIS OF MORTGAGE LENDING IN BANKS IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Violetta Kharabara

    2017-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Qi Wei

    2016-01-01

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

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

    OpenAIRE

    Kleemann, Michael; Wiegand, Manuel

    2013-01-01

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

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

    OpenAIRE

    Gropp, Reint; Radev, Deyan

    2017-01-01

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

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

    OpenAIRE

    liu, luke

    2012-01-01

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

  1. Countering abuses at the granting of additional measures of state support to families with children: the possibilities of the legislator and law enforcement practice experience

    Directory of Open Access Journals (Sweden)

    Oleg S. Kurchenko

    2018-01-01

    Full Text Available The subject of the article is abuses at the granting of additional measures of state support to families with children and measures of its preventionThe purpose of the article is to analyze legal rules governing the provision of additional measures of state support for families with children, to determine their completeness and adequacy for countering abuses in this area.Characteristic of the problem field. The implementation of the legislation on additional measures of state support for families with children, has proved to be connected with widespread attempts to use the maternity (family capital by the persons who do not have the right, or to use it contrary to the restrictions established by law. Analyzed legislation has shortcomings that create the conditions for illegal actions.Methodology. Both general scientific methods (analysis, synthesis, description and special scientific methods (comparative-legal and formal-legal methods were used in the research process .Results. Countering abuses requires improvement (changes and additions of the law governing the provision of additional measures of state support for families with children. Refinement and extension of powers of the Pension Fund’s of the Russian Federation bodies in this area, however, inevitably entails an increase in the number of organizational actions performed by these bodies when considering applications of the entitled persons. The flip side of strengthening the fight against illegal actions in this sphere can also be the limitation of the possibilities of the entitled persons and the extension of discretion of authorized bodies. When the effective legislative means are absent the judicial practice plays a prominent role in preventing the illegal use of maternity (family capital. In particular, the qualification of improvement of housing conditions as a necessary result of the contract of purchase and sale of real estate became one of the obstacles to illegal receipt of

  2. 77 FR 19417 - Proposed Guidance on Leveraged Lending

    Science.gov (United States)

    2012-03-30

    ... assessing a sponsor's economic incentive to provide financial support. Given the specialized knowledge... theory provides three approaches for valuing closely held businesses--asset, income, and market. Asset... support as well as the economic incentive, capacity, and stated intent to continue to support the...

  3. 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.

  4. 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.

  5. 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.

  6. Additive effect of Ce, Mo and K to nickel-cobalt aluminate supported solid oxide fuel cell for direct internal reforming of methane

    International Nuclear Information System (INIS)

    Kwak, Bu Ho; Park, Jungdeok; Yoon, Heechul; Kim, Hyeon Hui; Kim, Lim; Chung, Jong Shik

    2014-01-01

    Direct internal reforming of methane (steam/carbon=0.031, 850 .deg. C) is tested using button cells of Ni-YSZ/YSZ/LSM in which the anode layer is supported either on Ni-YSZ or on Ni-CoAl 2 O 4 . The Ni-CoAl 2 O 4 supported cell shows little degradation with operating time, as a result of higher resistance against carbon deposition, whereas the Ni-YSZ supported cell deactivates quickly and suffers fracture in 50 h. Upon incorporation of additives such as K, Ce, or Mo into the Ni-CoAl 2 O 4 support, cells with 0.5 wt% CeO 2 exhibit the best stable performance as a result of reduced coke formation. Cells with 0.5 wt% Mo exhibit the lowest performance. Although no carbon deposit is detected in the cells with K 2 CO 3 additives, their performance is worse than that in the CeO 2 case, and, in constant-current mode, there is a sudden voltage drop to zero after a certain period of time; this time becomes shorter with increasing K content. The injection of potassium into the anode side facilitates the generation of OH - and CO 3 2- in the anode and promotes the diffusion of these ions to the cathode. Increased polarization resistance at the cathode and increased electrolyte resistance result in such a sudden failure

  7. Developing Save Your Food Kit (Sayofu Kit) to Support Inquiry, Improve Student Learning Outcomes at SMP Plus Hidayatul Mubtadiin and Public Awareness on Food Additives

    Science.gov (United States)

    Astutik, J.

    2017-02-01

    Food additives are materials that can not be separated from the lives of students and the community. Based on the preliminary questionnaire, it indicates the lack of kit supporting material additives in some schools and communities. The research objectives of this development are (1) to develop Kit experiment (SAYOFU KIT) and supplementary books to improve student learning outcomes in the classroom and public awareness on food additives (2) to describe the feasibility and potential effectiveness of SAYOFU KIT developed (3) to analyze the practice of SAYOFU KIT and benefits for students and the community. This development study uses 4-D models Thiagarajan, et al (1974). Through some stages, they are: defining, designing, developing and disseminating which involes the students and community. The developed SAYOFU KIT includes additives sample kit, borax test kit, curcumin test kit, formaldehyde test kit, modification heater to the identification of dyes and dye test paper. The study is conducted at SMP Plus Hidayatul Mubtadiin, and TKIT Al Uswah. The products are validated by experts and education practitioners. Qualitative data processing uses descriptive method, whereas quantitative data by using the N-gain. The average yield of expert validation of SAYOFU KIT with supplementary books 76.50% teacher’s book and 76.30% student’s book are eligible. The average yield of 96.81% validation of educational practitioners criteria, piloting a small group of 83.15%, and 82.89% field trials are very decent. The average yield on the student questionnaire responses SAYOFU kit and supplementary book is 87.6% with the criteria very well worth it. N-Gain 0:56 cognitive achievement with the criteria enough. The results of the public poll showed 95% feel the benefits SAYOFU kits for testing food. Based from description indicates that SAYOFU Kit developed feasible, practical, useful to support inquiry learning and improve student learning outcomes as well as public awareness of

  8. Observational evidence of the complementary relationship in regional evaporation lends strong support for Bouchet's hypothesis

    Science.gov (United States)

    Jorge A. Ramirez; Michael T. Hobbins; Thomas C. Brown

    2005-01-01

    Using independent observations of actual and potential evapotranspiration at a wide range of spatial scales, we provide direct observational evidence of the complementary relationship in regional evapotranspiration hypothesized by Bouchet in 1963. Bouchet proposed that, for large homogeneous surfaces with minimal advection of heat and moisture, potential and actual...

  9. Nomenclature and traceability debate for biosimilars: small-molecule surrogates lend support for distinguishable nonproprietary names.

    Science.gov (United States)

    Chao, Jingdong; Skup, Martha; Alexander, Emily; Tundia, Namita; Macaulay, Dendy; Wu, Eric; Mulani, Parvez

    2015-03-01

    The purpose of the present study was to investigate the traceability of adverse events (AEs) for branded and generic drugs with identical nonproprietary names and to consider potential implications for the traceability of AEs for branded and biosimilar biologics. Adverse event reports in the Food and Drug Administration AE Reporting System (FAERS) were compared with those in a commercial insurance claims database (Truven Health MarketScan(®)) for 2 drugs (levetiracetam and enoxaparin sodium) with manufacturing or prescribing considerations potentially analogous to those of some biosimilars. Monthly rates of branded- and generic-attributed AEs were estimated pre- and post-generic entry. Post-entry branded-to-generic AE relative rate ratios were calculated. In FAERS, monthly AE rate ratios during the post-generic period showed a pattern in which AE rates for the branded products were greater than for the generic products. Differences in rates of brand- and generic-attributed AEs were statistically significant for both study drugs; the AE rate for the branded products peaked at approximately 10 times that of the generic levetiracetam products and approximately 4 times that of the generic enoxaparin sodium products. In contrast, monthly ratios for the MarketScan data were relatively constant over time. Use of the same nonproprietary name for generic and branded products may contribute to poor traceability of AEs reported in the FAERS database due to the significant misattribution of AEs to branded products (when those AEs were in fact associated with patient use of generic products). To ensure accurate and robust safety surveillance and traceability for biosimilar products in the United States, improved product identification mechanisms, such as related but distinguishable nonproprietary names for biosimilars and reference biologics, should be considered.

  10. Addition of non-invasive ventilatory support to combined aerobic and resistance training improves dyspnea and quality of life in heart failure patients: a randomized controlled trial.

    Science.gov (United States)

    Bittencourt, Hugo Souza; Cruz, Cristiano Gonçalves; David, Bruno Costa; Rodrigues, Erenaldo; Abade, Camille Magalhães; Junior, Roque Aras; Carvalho, Vitor Oliveira; Dos Reis, Francisco Borges Faria; Gomes Neto, Mansueto

    2017-11-01

    To test the hypothesis that combined aerobic and resistance training and non-invasive ventilatory support result in additional benefits compared with combined aerobic and resistance training alone in heart failure patients. A randomized, single-blind, controlled study. Cardiac rehabilitation center. A total of 46 patients with New York Heart Association class II/III heart failure were randomly assigned to a 10-week program of combined aerobic and resistance training, plus non-invasive ventilatory support ( n = 23) or combined aerobic and resistance training alone ( n = 23). Before and after intervention, results for the following were obtained: 6-minute walk test, forced vital capacity, forced expiratory volume at one second, maximal inspiratory muscle pressure, and maximal expiratory muscle pressure, with evaluation of dyspnea by the London Chest Activity of Daily Living scale, and quality of life with the Minnesota Living With Heart Failure questionnaire. Of the 46 included patients, 40 completed the protocol. The combined aerobic and resistance training plus non-invasive ventilatory support, as compared with combined aerobic and resistance training alone, resulted in significantly greater benefit for dyspnea (mean change: 4.8 vs. 1.3, p = 0.004), and quality of life (mean change: 19.3 vs. 6.8, p = 0.017 ). In both groups, the 6-minute walk test improved significantly (mean change: 45.7 vs. 44.1, p = 0.924), but without a statistically significant difference. Non-invasive ventilatory support combined with combined aerobic and resistance training provides additional benefits for dyspnea and quality of life in moderate heart failure patients. ClinicalTrials.gov identifier: NCT02384798. Registered 03 April 2015.

  11. Additive effect of Ce, Mo and K to nickel-cobalt aluminate supported solid oxide fuel cell for direct internal reforming of methane

    Energy Technology Data Exchange (ETDEWEB)

    Kwak, Bu Ho; Park, Jungdeok; Yoon, Heechul; Kim, Hyeon Hui; Kim, Lim; Chung, Jong Shik [POSTECH, Pohang (Korea, Republic of)

    2014-01-15

    Direct internal reforming of methane (steam/carbon=0.031, 850 .deg. C) is tested using button cells of Ni-YSZ/YSZ/LSM in which the anode layer is supported either on Ni-YSZ or on Ni-CoAl{sub 2}O{sub 4}. The Ni-CoAl{sub 2}O{sub 4} supported cell shows little degradation with operating time, as a result of higher resistance against carbon deposition, whereas the Ni-YSZ supported cell deactivates quickly and suffers fracture in 50 h. Upon incorporation of additives such as K, Ce, or Mo into the Ni-CoAl{sub 2}O{sub 4} support, cells with 0.5 wt% CeO{sub 2} exhibit the best stable performance as a result of reduced coke formation. Cells with 0.5 wt% Mo exhibit the lowest performance. Although no carbon deposit is detected in the cells with K{sub 2}CO{sub 3} additives, their performance is worse than that in the CeO{sub 2} case, and, in constant-current mode, there is a sudden voltage drop to zero after a certain period of time; this time becomes shorter with increasing K content. The injection of potassium into the anode side facilitates the generation of OH{sup -} and CO{sub 3}{sup 2-} in the anode and promotes the diffusion of these ions to the cathode. Increased polarization resistance at the cathode and increased electrolyte resistance result in such a sudden failure.

  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. Development of Decision-making Support System to Determine the Feasibility of the Job Training Industry Using Simple Additive Weighting Method

    Directory of Open Access Journals (Sweden)

    Kaisah Riski Zubaeti

    2017-10-01

    Full Text Available The activities of the job training is an activity that must be implemented at Vocational Secondary School. The lack of utilization of technology on such activities in Vocational Secondary School,  so the data management of the job training become less effective and efficient. Therefore, it is necessary the information system for manage the data on the job training and produces the decision support of the decent industry of the job training as a result of the evaluation of the job training. This research has a goal to produce decision support system to determine the feasibility of the job training industry (SPK-KTP, measure the feasibility of the system, and produce a decision support using a Simple Additive Weighting (SAW method. The information system can help the school to manage the administration on the job training, recap the daily journal, recap the reports in pursuit, and provide decision support the job training of decent industry used in the next period. SPK-KTP uses SAW method to produce decision support the job training of decent industry. SPK-KTP is the web-based information system which it is developed using the programming language PHP (Hypertext Preprocessor. This information system uses The Waterfall Model as its system development method. The steps of The Waterfall Model consists of Analysis, Design, Code, and Test. SPK-KTP has done testing to an expert of the information system with value 90,7%, an expert of the substance of the job training with value  91,6%, supervising teachers with value 83,3%, and learners with value 90,6%. Based on the result, so SPK-KTP is very decent to use.

  14. 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...

  15. 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...

  16. 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...

  17. COLLATERAL IN SMES’ LENDING: BANKS’ REQUIREMENTS VS CUSTOMERS’ EXPECTATIONS

    OpenAIRE

    Daniel BADULESCU

    2011-01-01

    SMEs’ support and importance in developing economies should not be only declarative. Searching for funding, managers encounter various obstacles arising from information asymmetry, lack of experience, severe market conditions, and insufficient or unsatisfactory collaterals for banks (OECD 2006; Badulescu and Badulescu 2010; OECD 2000 and 2004; Lin and Sun 2006; Toivanen and Cresy, 2000). The collateral issue is extensively discussed in literature – preventing moral hazard, the alignment the i...

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

    Energy Technology Data Exchange (ETDEWEB)

    Hansen, Stein

    1993-07-01

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

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

    International Nuclear Information System (INIS)

    Hansen, Stein

    1993-01-01

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

  20. Acoustic force mapping in a hybrid acoustic-optical micromanipulation device supporting high resolution optical imaging† †Electronic supplementary information (ESI) available: Additional information about 1D model calculations for a piezoelectric transducer. See DOI: 10.1039/c6lc00182c Click here for additional data file.

    Science.gov (United States)

    McDougall, Craig; MacDonald, Michael Peter; Ritsch-Marte, Monika

    2016-01-01

    Many applications in the life-sciences demand non-contact manipulation tools for forceful but nevertheless delicate handling of various types of sample. Moreover, the system should support high-resolution optical imaging. Here we present a hybrid acoustic/optical manipulation system which utilizes a transparent transducer, making it compatible with high-NA imaging in a microfluidic environment. The powerful acoustic trapping within a layered resonator, which is suitable for highly parallel particle handling, is complemented by the flexibility and selectivity of holographic optical tweezers, with the specimens being under high quality optical monitoring at all times. The dual acoustic/optical nature of the system lends itself to optically measure the exact acoustic force map, by means of direct force measurements on an optically trapped particle. For applications with (ultra-)high demand on the precision of the force measurements, the position of the objective used for the high-NA imaging may have significant influence on the acoustic force map in the probe chamber. We have characterized this influence experimentally and the findings were confirmed by model simulations. We show that it is possible to design the chamber and to choose the operating point in such a way as to avoid perturbations due to the objective lens. Moreover, we found that measuring the electrical impedance of the transducer provides an easy indicator for the acoustic resonances. PMID:27025398

  1. An Approach to Measuring Provisions for Collateralised Lending

    OpenAIRE

    Cho-hoi Hui; Tom Fong

    2006-01-01

    Under the framework of Basel II, banks which adopt the internal ratings-based approach will be required to compare their actual provisions with expected losses. Any shortfall (i.e., the expected loss exceeds the provision) should be deducted from capital of the bank. It is therefore important to ensure banks make adequate provisions against expected losses. In addition, both sound policy and the Banking Ordinance require banks to take a forward-looking view of provisions. These requirements r...

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

    Directory of Open Access Journals (Sweden)

    Aurelia LITVIN

    2014-04-01

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

  3. eHealth in Modern Patient-Caregiver Communication: High Rate of Acceptance Among Physicians for Additional Support of Breast Cancer Patients During Long-Term Therapy.

    Science.gov (United States)

    Kirkovits, Thomas; Schinkoethe, Timo; Drewes, Caroline; Gehring, Caroline; Bauerfeind, Ingo; Harbeck, Nadia; Wuerstlein, Rachel

    2016-09-19

    individualized support in breast cancer care is a promising addition to treatment management. Such technologies have the potential to enhance adherence and compliance in therapy among cancer patients. ©Thomas Kirkovits, Timo Schinkoethe, Caroline Drewes, Caroline Gehring, Ingo Bauerfeind, Nadia Harbeck, Rachel Wuerstlein. Originally published in JMIR Cancer (http://cancer.jmir.org), 19.09.2016.

  4. 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...

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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

  15. 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,

  16. 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.

  17. 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

  18. 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...

  19. 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

  20. 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...

  1. 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.

  2. Supportive treatment in weight-losing cancer patients due to the additive adverse effects of radiation treatment and/or chemotherapy

    International Nuclear Information System (INIS)

    Erkurt, E.; Tunali, C.; Erkisi, M.

    2000-01-01

    The reversal of anorexia and weight loss especially in patients with advanced cancer suffering from radiation treatment (RT) -related complications and debilitated further during RT would be a welcome relief. The purpose of this study is to evaluate the feasibility of supportive treatment with megestrol acetate (MA) in the weight-losing cancer patients increasingly experiencing anorexia, smell, taste, and weight loss due to the additive adverse effects of RT plus or minus chemotherapy and how MA changes the additive role of the severity of RT reactions on such patients. From June 1997 to October 1998, 100 eligible patients were enrolled on a randomized, placebo-controlled clinical trial. Of the 100 patients, 46 received MA during RT and 4 after the end of the RT, and 50 received placebo for 3 months. Subjective parameters were assessed by a brief questionnaire form based on scoring from 1 to 5, according to the degree of the loss or change for each parameter of malnutrition, appetite, taste and smell developed by the researchers. At the end of the study a statistically significant weight gain was achieved in the patient group receiving MA compared to the placebo group (+ 3 to + 5 kg versus -3.7 to -5.9 kg, p=0.000). Significant improvements were seen in performance status p=0.000), appetite (p=0.000), malnutrition (p=0.000), loss of taste (p=0.000) and smell qualities (p=0.02) in the MA group compared to the placebo group. In the MA group there was no statistically significant difference related to the weight changes according to the grade of either the acute or late RT effects (p=0.65 and 0.07, respectively). Whereas, in the placebo group a statistically significant additive effect of the acute and late RT effects was detected on weight loss (p=0.008 and 0.007, respectively). It was observed no side-effects of MA in a 3-month time follow-up. The use of MA 480 mg/day during RT was effective in reversing anorexia and weight loss in spite of the acute RT effects, and

  3. Supportive treatment in weight-losing cancer patients due to the additive adverse effects of radiation treatment and/or chemotherapy

    Energy Technology Data Exchange (ETDEWEB)

    Erkurt, E.; Tunali, C. [Cukurova University Medical Faculty, Dept. of Radiation Oncology, Balcali-Adana (Turkey); Erkisi, M. [Cukurova University Medical Faculty, Dept. of Medical Oncology (Turkey)

    2000-12-01

    The reversal of anorexia and weight loss especially in patients with advanced cancer suffering from radiation treatment (RT) -related complications and debilitated further during RT would be a welcome relief. The purpose of this study is to evaluate the feasibility of supportive treatment with megestrol acetate (MA) in the weight-losing cancer patients increasingly experiencing anorexia, smell, taste, and weight loss due to the additive adverse effects of RT plus or minus chemotherapy and how MA changes the additive role of the severity of RT reactions on such patients. >From June 1997 to October 1998, 100 eligible patients were enrolled on a randomized, placebo-controlled clinical trial. Of the 100 patients, 46 received MA during RT and 4 after the end of the RT, and 50 received placebo for 3 months. Subjective parameters were assessed by a brief questionnaire form based on scoring from 1 to 5, according to the degree of the loss or change for each parameter of malnutrition, appetite, taste and smell developed by the researchers. At the end of the study a statistically significant weight gain was achieved in the patient group receiving MA compared to the placebo group (+ 3 to + 5 kg versus -3.7 to -5.9 kg, p=0.000). Significant improvements were seen in performance status (p=0.000), appetite (p=0.000), malnutrition (p=0.000), loss of taste (p=0.000) and smell qualities (p=0.02) in the MA group compared to the placebo group. In the MA group there was no statistically significant difference related to the weight changes according to the grade of either the acute or late RT effects (p=0.65 and 0.07, respectively). Whereas, in the placebo group a statistically significant additive effect of the acute and late RT effects was detected on weight loss (p=0.008 and 0.007, respectively). It was observed no side-effects of MA in a 3-month time follow-up. The use of MA 480 mg/day during RT was effective in reversing anorexia and weight loss in spite of the acute RT effects

  4. Spatial prediction of landslide susceptibility using an adaptive neuro-fuzzy inference system combined with frequency ratio, generalized additive model, and support vector machine techniques

    Science.gov (United States)

    Chen, Wei; Pourghasemi, Hamid Reza; Panahi, Mahdi; Kornejady, Aiding; Wang, Jiale; Xie, Xiaoshen; Cao, Shubo

    2017-11-01

    The spatial prediction of landslide susceptibility is an important prerequisite for the analysis of landslide hazards and risks in any area. This research uses three data mining techniques, such as an adaptive neuro-fuzzy inference system combined with frequency ratio (ANFIS-FR), a generalized additive model (GAM), and a support vector machine (SVM), for landslide susceptibility mapping in Hanyuan County, China. In the first step, in accordance with a review of the previous literature, twelve conditioning factors, including slope aspect, altitude, slope angle, topographic wetness index (TWI), plan curvature, profile curvature, distance to rivers, distance to faults, distance to roads, land use, normalized difference vegetation index (NDVI), and lithology, were selected. In the second step, a collinearity test and correlation analysis between the conditioning factors and landslides were applied. In the third step, we used three advanced methods, namely, ANFIS-FR, GAM, and SVM, for landslide susceptibility modeling. Subsequently, the results of their accuracy were validated using a receiver operating characteristic curve. The results showed that all three models have good prediction capabilities, while the SVM model has the highest prediction rate of 0.875, followed by the ANFIS-FR and GAM models with prediction rates of 0.851 and 0.846, respectively. Thus, the landslide susceptibility maps produced in the study area can be applied for management of hazards and risks in landslide-prone Hanyuan County.

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

    Directory of Open Access Journals (Sweden)

    G van der Westhuizen

    2014-08-01

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

  6. 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.

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

    OpenAIRE

    Ogura, Yoshiaki; Yamori, Nobuyoshi

    2009-01-01

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

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

    OpenAIRE

    M. Cotugno; S. Monferrà; G. Sampagnaro

    2013-01-01

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

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

    Science.gov (United States)

    2004-12-01

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

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

    OpenAIRE

    Ongena, Steven; Schindele, Ibolya; Vonnák, Dzsamila

    2014-01-01

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

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

    OpenAIRE

    Heid, Frank; Krüger, Ulrich

    2011-01-01

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

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

    OpenAIRE

    Sven C. Berger; Fabian Gleisner

    2009-01-01

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

  13. 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.

  14. Does additional support provided through e-mail or SMS in a Web-based Social Marketing program improve children's food consumption? A Randomized Controlled Trial.

    Science.gov (United States)

    Rangelov, Natalie; Della Bella, Sara; Marques-Vidal, Pedro; Suggs, L Suzanne

    2018-02-16

    The FAN Social Marketing program was developed to improve dietary and physical activity habits of families with children in Ticino, Switzerland. The aim of this study was to examine if the effects of the program on children's food intake differed by intervention group. Effects of the FAN program were tested through a Randomized Controlled Trial. The program lasted 8 weeks, during which participants received tailored communication about nutrition and physical activity. Families were randomly allocated to one of three groups, where the parent received the intervention by the Web (G1), Web + e-mail (G2) or Web + SMS (G3). Children in all groups received tailored print letters by post. Children's food consumption was assessed at baseline and immediate post intervention using a 7-day food diary. Generalized linear mixed models with child as a random effect and with time, treatment group, and the time by treatment interaction as fixed effects were used to test the impact of the intervention. Analyses were conducted with a sample of 608 children. After participating in FAN the marginal means of daily consumption of fruit changed from 0.95 to 1.12 in G1, from 0.82 to 0.94 in G2, and from 0.93 to 1.18 in G3. The margins of the daily consumption of sweets decreased in each group (1.67 to 1.56 in G1, 1.71 to 1.49 in G2, and 1.72 to 1.62 in G3). The change in vegetable consumption observed from pre to post intervention in G3 (from 1.13 to 1.21) was significantly different from that observed in G1 (from 1.21 to 1.17). A well-designed Web-based Social Marketing intervention complemented with print letters can help improve children's consumption of water, fruit, soft drinks, and sweets. The use of SMS to support greater behavior change, in addition to Web-based communication, resulted only in a small significant positive change for vegetables, while the use of e-mail in addition to Web did not result in any significant difference. The trial was retrospectively registered in the

  15. 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.

  16. 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...

  17. A comparison of alumina, carbon and carbon-covered alumina as support for Ni-Mo-F additives: gas oil hydroprocessing studies

    Energy Technology Data Exchange (ETDEWEB)

    Boorman, P.M.; Kydd, R.A.; Sorensen, T.S.; Chong, K.; Lewis, J.M.; Bell, W.S. (University of Calgary, Calgary, AB (Canada). Dept. of Chemistry)

    1991-01-01

    Catalysts with 3 wt% NiO, 15 wt% MoO{sub 3} and 0-6.9 nominal wt% fluoride supported on alumina, carbon and carbon-covered alumina were studied to examine the role of fluoride and the influence of the support on hydroprocessing on Alberta gas oil. Experiments were carried out in a batch reactor at 410{degree}C and 6.9 MPa initial H{sub 2} pressure. It was found that fluoride promotion enhances cracking and hydrogenation reactions resulting in decreased aromatic and sulphur contents in the gas oil. The promotion is dependent on the type of support and is related to the strength of the fluoride-support interaction and the accessibility of the fluoride to the surface hydroxyl groups on the support. A maximum in activity at 3.6 wt% fluoride was observed for the alumina-supported catalysts whereas higher loadings of fluoride were required for carbon-covered alumina-supported catalysts to see an improvement over their carbon-supported counterparts. However, the carbon-covered alumina-supported catalysts seem to have a lower propensity for coke deposition than their alumina counterparts. 27 refs., 1 fig., 4 tabs.

  18. A comparison of alumina, carbon and carbon-covered alumina as supports for Ni-Mo-F additives: gas oil hydroprocessing studies

    Energy Technology Data Exchange (ETDEWEB)

    Boorman, P.M.; Kydd, R.A.; Sorensen, T.S.; Chong, K.; Lewis, J.M.; Bell, W.S. (Calgary Univ., AB (Canada). Dept. of Chemistry)

    1992-01-01

    Catalysts with 3 wt% NiO, 15 wt% MoO{sub 3} and 0-6.9 nominal wt% fluoride supported on alumina, carbon and carbon-covered alumina were studied to examine the role of fluoride and the influence of the support on hydroprocessing on Alberta gas oil. Experiments were carried out in a batch reactor at 410{sup o}C and 6.9 MPa initial H{sub 2} pressure. It was found that fluoride promotion enhances cracking and hydrogenation reactions resulting in decreased aromatic and sulphur contents in the gas oil. The promotion is dependent on the type of support and is related to the strength of the fluoride-support interaction and the accessibility of the fluoride to the surface hydroxyl groups on the support. A maximum in activity at 3.6 wt% fluoride was observed for the alumina-supported catalysts whereas higher loadings of fluoride were required for carbon-covered alumina-supported catalysts to see an improvement over their carbon supported counterparts. However, the carbon-covered alumina supported catalysts seem to have a lower propensity for coke deposition than their alumina counterparts. (author).

  19. Effect of multi-wall carbon nanotubes supported nano-nickel and TiF{sub 3} addition on hydrogen storage properties of magnesium hydride

    Energy Technology Data Exchange (ETDEWEB)

    Su, Wei; Zhu, Yunfeng, E-mail: yfzhu@njtech.edu.cn; Zhang, Jiguang; Liu, Yana; Yang, Yang; Mao, Qifeng; Li, Liquan

    2016-06-05

    Multi-wall carbon nanotubes supported nano-nickel (Ni/MWCNTs) with superior catalytic effects was introduced to magnesium hydride by the process of hydriding combustion synthesis (HCS) and mechanical milling (MM). The effect of different Ni/MWCNTs contents (5 wt.%, 10 wt.%, 15 wt.%, 20 wt.%) on the hydrogenation and dehydrogenation properties of the composite was investigated systematically. It is revealed that Mg{sub 85}-(Ni/MWCNTs){sub 15} composite shows the best comprehensive hydrogen storage properties, which absorbs 5.68 wt.% hydrogen within 100 s at 373 K and releases 4.31 wt.% hydrogen within 1800 s at 523 K under initial hydrogen pressures of 3.0 and 0.005 MPa, respectively. The in situ formed nano-Mg{sub 2}Ni and MWCNTs have excellent catalytic effect on the hydrogenation and dehydrogenation performances of MgH{sub 2}. To further improve the hydrogen absorption/desorption properties, TiF{sub 3} was added to the Mg–Ni/MWCNTs system. The result shows that TiF{sub 3} addition has little influence on the thermodynamic performance, but affects greatly the kinetic properties. The Mg{sub 85}-(Ni/MWCNTs){sub 15}-TiF{sub 3} composite exhibits an appreciably enhanced hydrogen desorption performance at low temperature, and the hydrogen desorption capacity within 1800 s at 473 K for the TiF{sub 3}-added composite is approximately four times the capacity of Mg{sub 85}-(Ni/MWCNTs){sub 15} under the same condition. The catalytic effects during hydrogenation and dehydrogenation have been discussed in the study. - Highlights: • The nanosized Ni/MWCNTs catalyst was successfully prepared. • Ni/MWCNTs shows superior catalytic effect on H absorption/desorption of Mg. • Mg{sub 85}-(Ni/MWCNTs){sub 15} composite shows the best hydrogen storage properties. • Ni/MWCNTs coupling with TiF{sub 3} improves the hydriding/dehydriding properties largely.

  20. 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.

  1. 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.

  2. Study of Supported Nickel Catalysts Prepared by Aqueous Hydrazine Method. Hydrogenating Properties and Hydrogen Storage: Support Effect. Silver Additive Effect; Catalyseurs de nickel supportes prepares par la methode de l'hydrazine aqueuse. Proprietes hydrogenantes et stockage d'hydrogene. Effet du support. Effet de l'ajout d'argent

    Energy Technology Data Exchange (ETDEWEB)

    Wojcieszak, R

    2006-06-15

    We have studied Ni or NiAg nano-particles obtained by the reduction of nickel salts (acetate or nitrate) by hydrazine and deposited by simple or EDTA-double impregnation on various supports ({gamma}-Al{sub 2}O{sub 3}, amorphous or crystallized SiO{sub 2}, Nb{sub 2}O{sub 5}, CeO{sub 2} and carbon). Prepared catalysts were characterized by different methods (XRD, XPS, low temperature adsorption and desorption of N{sub 2}, FTIR and FTIR-Pyridine, TEM, STEM, EDS, H{sub 2}-TPR, H{sub 2}-adsorption, H{sub 2}-TPD, isopropanol decomposition) and tested in the gas phase hydrogenation of benzene or as carbon materials in the hydrogen storage at room temperature and high pressure. The catalysts prepared exhibited better dispersion and activity than classical catalysts. TOF's of NiAg/SiO{sub 2} or Ni/carbon catalysts were similar to Pt catalysts in benzene hydrogenation. Differences in support acidity or preparation method and presence of Ag as metal additive play a crucial role in the chemical reduction of Ni by hydrazine and in the final properties of the materials. Ni/carbon catalysts could store significant amounts of hydrogen at room temperature and high pressure (0.53%/30 bars), probably through the hydrogen spillover effect. (author)

  3. 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.

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

    Directory of Open Access Journals (Sweden)

    Sven C. Berger

    2009-05-01

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

  5. 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

  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. Decision support system for Wamakersvallei Winery

    CSIR Research Space (South Africa)

    Van Der Merwe, A

    2007-09-01

    Full Text Available The goal of the study is to lend decision support to management a a wine cellar in three areas of expertise, with Wamakersvallei Winery serving as a special case study. This decision support system is to be delivered in the form of Excel spreadsheet...

  8. NiMo Catalysts Supported on the Nb Modified Mesoporous SBA-15 and HMS: Effect of Thioglycolic Acid Addition on HDS.

    Czech Academy of Sciences Publication Activity Database

    Palcheva, R.; Kaluža, Luděk; Dimitrov, L.; Tyuliev, G.; Avdeev, G.; Jirátová, Květa; Spojakina, A.

    2016-01-01

    Roč. 50, JUN 25 (2016), s. 24-34 ISSN 0926-860X R&D Projects: GA ČR GAP106/11/0902 Institutional support: RVO:67985858 Keywords : HDS * mesoporous SBA-15 and HMS * thioglycolic acid Subject RIV: CI - Industrial Chemistry, Chemical Engineering Impact factor: 4.339, year: 2016

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

    Directory of Open Access Journals (Sweden)

    Diego A. B. Marconatto

    2016-11-01

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

  10. Additive manufacturing.

    Science.gov (United States)

    Mumith, A; Thomas, M; Shah, Z; Coathup, M; Blunn, G

    2018-04-01

    Increasing innovation in rapid prototyping (RP) and additive manufacturing (AM), also known as 3D printing, is bringing about major changes in translational surgical research. This review describes the current position in the use of additive manufacturing in orthopaedic surgery. Cite this article: Bone Joint J 2018;100-B:455-60.

  11. Development of Decision-making Support System to Determine the Feasibility of the Job Training Industry Using Simple Additive Weighting Method

    OpenAIRE

    Kaisah Riski Zubaeti; Aris Budianto; Dwi Maryono

    2017-01-01

    The activities of the job training is an activity that must be implemented at Vocational Secondary School. The lack of utilization of technology on such activities in Vocational Secondary School,  so the data management of the job training become less effective and efficient. Therefore, it is necessary the information system for manage the data on the job training and produces the decision support of the decent industry of the job training as a result of the evaluation of the job training. Th...

  12. Additional case of Marden-Walker syndrome: support for the autosomal-recessive inheritance adn refinement of phenotype in a surviving patient.

    Science.gov (United States)

    Orrico, A; Galli, L; Zappella, M; Orsi, A; Hayek, G

    2001-02-01

    In this report, we present a 14-year-old girl, born to consanguineous parents, who presented with severe mental retardation, hypotonia, short stature, and congenital joint contractures. The craniofacial features were scaphocephaly, thin/long and immobile face, marked hypoplasia of the midface, temporal narrowness, blepharophimosis, palpebral ptosis, and strabismus. The combination of such a distinctive craniofacial appearance and psychomotor retardation allows us to recognize a new case of the Marden-Walker syndrome. Our patient represents one of the rare cases in which consanguineous mating supports the autosomal-recessive pattern of inheritance of this condition. Furthermore, through refining the phenotype of a surviving patient, this report may contribute to a better recognition of this disorder in older affected children.

  13. Effect of Metal Addition and Silica/Alumina Ratio of Zeolite on the Ethanol-to-Aromatics by Using Metal Supported ZSM-5 Catalyst

    International Nuclear Information System (INIS)

    Kim, Han-Gyu; Yang, Yoon-Cheol; Jeong, Kwang-Eun; Kim, Tae-Wan; Jeong, Soon-Yong; Kim, Chul-Ung; Jhung, Sung Hwa; Lee, Kwan-Young

    2013-01-01

    The catalytic conversion of ethanol to aromatic compounds ETA was studied over ZSM-5 heterogeneous catalysts. The effect of reaction temperature, weight hourly space velocity (WHSV), and addition of water and methanol, which are the potential impurities of bio-ethanol, on the catalytic performance was investigated in a fixed bed reactor. Commercial ZSM-5 catalysts having different Si/Al 2 ratios of 23 to 280 and modified ZSM-5 catalysts by addition of metal (Zn, La, Cu, and Ga) were used for the activity and stability tests in ETA reaction. The catalysts were characterized with ammonia temperature programmed desorption (NH3-TPD) and nitrogen adsorption-desorption techniques. The results of catalytic performance revealed that the optimal Si/Al 2 ratio of ZSM-5 is about 50-80 and the selectivity to aromatic compounds decreases in the order of Zn/La > Zn > La > Cu > Ga for the modified ZSM-5 catalysts. Among these catalysts from the ETA reaction, Zn-La/ZSM-5 showed the best catalytic performance for the ETA reaction. The selectivity to aromatic compounds was 72% initially and 56% after 30 h over the catalysts at reaction temperature of 437 .deg. C and WHSV of 0.8 h −1

  14. Private support and social security.

    Science.gov (United States)

    Van Dijk, F

    1998-01-01

    "The issue is addressed whether assistance to persons in need can be left to the ¿family' and the ¿community'. In that case people depend on their social networks. The support a person receives through a given network of social ties is examined. However, ties are diverse and subject to change. By means of a model of the dynamics of social ties, the conditions for adequate private support are analyzed. The sustainability of private support over time is examined by incorporating the impact on social ties of lending and receiving support. It is shown that support is only an effective alternative in a limited number of situations." excerpt

  15. Where does the Buck Stop? Community Attitudes to Over-lending and Over-spending

    Directory of Open Access Journals (Sweden)

    James O’Brien

    2009-03-01

    Full Text Available This article explores the results of focus groups and a national survey aimed at discoveringhow ordinary Australians feel about lending and borrowing practices, in the context of highlevels of consumer debt. This research, carried out by The Australia Institute in 2007, found astrong community belief that lenders and regulators, rather than individual consumers, wereprimarily responsible for excessive debt. Many Australians reported feeling uncomfortableabout the way that credit is pushed on vulnerable and ill-informed consumers; advertising andmarketing were believed to be partly responsible for poor financial decision-making. Theauthors propose a number of practical policies to improve the environment in whichconsumers make financial decisions, including a more helpful disclosure regime.

  16. An Exploratory Study On Bank Lending To SME Sector In Bhutan

    Directory of Open Access Journals (Sweden)

    Chokey Wangmo

    2017-11-01

    Full Text Available This study examines the factors used by the banks to determine the outcome of loan applications of Small and Medium Enterprises SMEs in Bhutan. Inaccessibility to financing is one of the biggest challenges faced by the Bhutanese SMEs. This exploratory study is built on in-depth interview of 6 credit officials to understand the lending behaviour of banks towards SMEs. Thematic Analysis revealed that the bank loan accessibility was a function of firm and owner characteristics. The collateral and internal finance was found to be vital in determining SMEs accessibility to bank loans. SMEs inadequate financial information was a serious problem for the banks. Firm age size and industry sector had a positive correlation with bank loan accessibility. The age and educational qualification of borrowers were also found to have a positive relationship while the gender of the owner did not have any effect on bank loan accessibility.

  17. 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 ...

  18. 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.

  19. Carbon Risk Analysis Of The South African Banks’ Lending To The JSE100 CDP Companies

    Directory of Open Access Journals (Sweden)

    Alfred Bimha

    2015-11-01

    Full Text Available There is a pertinent concern over the continued lending to companies that are still pursuing projects that increase the amount of carbon emissions in the atmosphere. South Africa has most of its energy generation being done through coal thermal powered turbines. More so there are a number of new power stations being built in South Africa that are coal powered. Coal on the other hand is deemed as having the highest amount of carbon that contributes to the greenhouse effect which in turn affects the climate leading to climate change consequences. There is also a growing concern on the uptake of renewable energy initiatives by companies that are deemed carbon intensive. Banks are being castigated for not using their economic transformation role to champion the agenda of combating climate change caused by carbon emissions. In this study, the extent of lending in the short and long term to carbon intensive companies by South African banks is examined. Using a sample of the Johannesburg Stock Exchange top 100 companies that participate in Carbon Disclosure Project, an analysis is done through four carbon metrics –carbon intensity, carbon dependency, carbon exposure, carbon risk. The analysis used public information from the banks’ websites, South African Reserve Bank reports and other public databases that contain sustainability information of the JSE100 companies. The analysis was done by comparing the carbon metrics of the recognized seven (7 sectorial industry catergories (SIC on the JSE, mainly Energy & Materials, Industrials, Consumer Staples, Consumer Discretionary, Financials, IT & Telecoms and Health Care. The major finding of the research is that there is a high carbon risk in short term loans compared to long term loans across the JSE100 companies that are analysed. More so, the Energy & Materials sector seem to have the highest carbon risk compared to the other sectors.

  20. Secondary reduction of alpha7B integrin in laminin alpha2 deficient congenital muscular dystrophy supports an additional transmembrane link in skeletal muscle.

    Science.gov (United States)

    Cohn, R D; Mayer, U; Saher, G; Herrmann, R; van der Flier, A; Sonnenberg, A; Sorokin, L; Voit, T

    1999-03-01

    in young boys (age <2 years). The expression of the beta1D integrin subunit was not altered in any of our patients with different types of muscular dystrophy. In contrast, sarcolemmal expression of beta1D integrin was significantly reduced in the alpha7 integrin knock-out mice, whereas the expression of the components of the DGC was not altered. The secondary loss of alpha7B in laminin alpha2 chain deficiency defines a biochemical change in the composition of the plasma membrane resulting from a primary protein deficiency in the basal lamina. These findings, in addition to the occurrence of a muscular dystrophy in alpha7 deficient mice, implies that the alpha7B integrin is an important laminin receptor within the plasma membrane which plays a significant role in skeletal muscle function and stability.

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

    NARCIS (Netherlands)

    Peersman, G.; Wagner, W.B.

    2014-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Sukirman, Y. A.

    2018-03-01

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

  4. Military Personnel: DOD's Predatory Lending Report Addressed Mandated Issues, but Support Is Limited for Some Findings and Recommendations

    National Research Council Canada - National Science Library

    Farrell, Brenda S

    2007-01-01

    ... (see the list of related GAO products at the end of this report). In conducting our review, we limited the scope of our work to the types of loans that DOD identified as being predatory in its mandated 2006 report...

  5. Is there evidence to support a forefoot strike pattern in barefoot runners? A review.

    Science.gov (United States)

    Lorenz, Daniel S; Pontillo, Marisa

    2012-11-01

    Barefoot running is a trend among running enthusiasts that is the subject of much controversy. At this time, benefits appear to be more speculative and anecdotal than evidence based. Additionally, the risk of injuries is not well established. A PubMed search was undertaken for articles published in English from 1980 to 2011. Additional references were accrued from reference lists of research articles. While minimal data exist that definitively support barefoot running, there are data lending support to the argument that runners should use a forefoot strike pattern in lieu of a heel strike pattern to reduce ground reaction forces, ground contact time, and step length. Whether there is a positive or negative effect on injury has yet to be determined. Unquestionably, more research is needed before definitive conclusions can be drawn.

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

    Directory of Open Access Journals (Sweden)

    Soenartomo Soepomo

    2017-03-01

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

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

    Science.gov (United States)

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

    2018-08-01

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

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

    CERN Document Server

    Vigen, Jens

    2003-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Markotic F

    2017-02-01

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

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

    Directory of Open Access Journals (Sweden)

    Jenkins Hatice

    2017-01-01

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

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

    OpenAIRE

    Sharma, R

    2011-01-01

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

  12. 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.

  13. NGSI student activities in open source information analysis in support of the training program of the U.S. DOE laboratories for the entry into force of the additional protocol

    Energy Technology Data Exchange (ETDEWEB)

    Sandoval, M Analisa [Los Alamos National Laboratory; Uribe, Eva C [Los Alamos National Laboratory; Sandoval, Marisa N [Los Alamos National Laboratory; Boyer, Brian D [Los Alamos National Laboratory; Stevens, Rebecca S [Los Alamos National Laboratory

    2009-01-01

    In 2008 a joint team from Los Alamos National Laboratory (LANL) and Brookhaven National Laboratory (BNL) consisting of specialists in training of IAEA inspectors in the use of complementary access activities formulated a training program to prepare the U.S. Doe laboratories for the entry into force of the Additional Protocol. As a major part of the support of the activity, LANL summer interns provided open source information analysis to the LANL-BNL mock inspection team. They were a part of the Next Generation Safeguards Initiative's (NGSI) summer intern program aimed at producing the next generation of safeguards specialists. This paper describes how they used open source information to 'backstop' the LANL-BNL team's effort to construct meaningful Additional Protocol Complementary Access training scenarios for each of the three DOE laboratories, Lawrence Livermore National Laboratory, Idaho National Laboratory, and Oak Ridge National Laboratory.

  14. 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...

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

    OpenAIRE

    Jane Bogoev

    2011-01-01

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

  16. Effect of mode of addition of flaxseed oil on the quality characteristics of chicken sausage containing vitamin E and omega 3 fatty acids at levels to support a health claim.

    Science.gov (United States)

    Bolger, Zara; Brunton, Nigel P; Monahan, Frank J

    2017-10-18

    Vitamin E and omega-3 fatty acids can be incorporated into meat products at levels supporting health claims of "protecting against oxidative stress" and "maintaining normal blood cholesterol levels", respectively. Chicken sausages were formulated to contain vitamin E (12 mg per 100 g) and flaxseed oil (2 g per 100 g) using different oil incorporation methods. The formulations were: (1) control (no oil); (2) oil; (3) emulsified oil; (4) freeze-dried encapsulated oil; (5) freeze-dried encapsulated oil with cross-linker genipin; (6) spray-dried encapsulated oil. α-Linolenic acid and α-tocopherol were retained in all fortified formulations at levels to meet nutrient and health claims but emulsification or encapsulation had no additional benefit in retention following cooking or on product quality as measured by proximate composition, lipid oxidation, colour, microbial analysis, cook loss and texture profile analysis. While the addition of flaxseed oil had a negative effect on consumer acceptance of flavour (although not when emulsified), overall acceptance of the chicken sausages was only reduced significantly (p ≤ 0.05) when oil was encapsulated.

  17. Features of financial support of reproduction processes in agriculture

    Directory of Open Access Journals (Sweden)

    Kudrina Valentina Aleksandrovna

    2016-08-01

    Full Text Available The article describes the features of the financing of reproduction processes in agriculture, arising from the specific production in the industry. Considered and analyzed the main sources of financial resources for the implementation of the reproduction processes in the agricultural sector, including bank lending, leasing, public financial support.

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

    Science.gov (United States)

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

    2008-05-01

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

  19. 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.

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

    Directory of Open Access Journals (Sweden)

    Alaoui Youssef Lamrani

    2017-12-01

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

  1. 12 CFR Appendix C to Part 208 - Interagency Guidelines for Real Estate Lending Policies

    Science.gov (United States)

    2010-01-01

    ... 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... institution's board of directors. (See additional reporting requirements described under “Exceptions to the...

  2. 12 CFR Appendix A to Part 365 - Interagency Guidelines for Real Estate Lending Policies

    Science.gov (United States)

    2010-01-01

    ... integral part of many institutions' business plans and, when undertaken in a prudent manner, will not be... the formulation of its loan policies and strategic plan. Factors that should be considered include... institution's board of directors. (See additional reporting requirements described under “Exceptions to the...

  3. 78 FR 11279 - Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-02-15

    .... Fin., Mortgage Originations by Product, in 1 The 2011 Mortgage Market Statistical Annual 20 (2011). So.... When housing prices began to decline in 2005, refinancing became more difficult and delinquency rates..., respectively. In addition, as the economy worsened, the rates of serious delinquency (90 or more days past due...

  4. Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

    Science.gov (United States)

    An, Xudong; Bostic, Raphael W.

    2009-01-01

    The lax underwriting in non-prime mortgage markets is widely perceived as one cause of the recent difficulties in the housing market. Policymakers are currently considering moves such as enforcing more careful underwriting to provide additional discipline to mortgage markets. This research explores the possibility of another approach to supplement…

  5. 12 CFR 723.3 - What are the requirements for construction and development lending?

    Science.gov (United States)

    2010-01-01

    ... AFFECTING CREDIT UNIONS MEMBER BUSINESS LOANS § 723.3 What are the requirements for construction and... following additional requirements. (a) The aggregate of the net member business loan balances for all... associated member-borrowers, irrespective of the existence of a contractual commitment from a prospective...

  6. Production and repair of metal supports as an indispensable activity of the Georgi Dimitrov mining and power combine

    Energy Technology Data Exchange (ETDEWEB)

    Mladenov, O

    1979-07-01

    Georgi Dimitrov underground mines have favoured metal supports over concrete slabs and timber since 1972 because of their well known advantages and because metal supports lend themselves to easy handling by 4-PU combines and 1PNB-2 loading machines. To eliminate bottlenecks and high costs of procurement from a central base individual mines were charged with production of their own metal supports. This resulted in some new developments, for example, in the production of supports with a 3.16 times greater capacity in the Marshall Tolbukhin and Al. Milenov mines in 1978. Hydraulic presses are generally used to produce conventional arch and ring type supports, and the Polish make PHPG-100 press is used for repairs. Decentralization also caused problems: different length timber and metal supports often necessitate additional cutting operations, a multitude of machines cause increased manual handling, and equipment is too often adapted to special requirements of individual shifts. However, costs of metal supports have dropped about 15%. Further improvement would require that the production of metal supports be centralized for the entire combine, supports be used according to their strength, and screw joinings be replaced with cotter type fastenings.

  7. When good investments go bad: the contraction in community bank lending after the 2008 GSE takeover

    OpenAIRE

    Tara Rice; Jonathan D. Rose

    2012-01-01

    In September 2008, the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac were placed into conservatorship and dividend payments on common and preferred shares were suspended. As a result, share prices fell to nearly zero and many banks across the country lost the value of their investments in the preferred shares. We estimate more than 600 depository institutions in the United States were exposed to at least $8 billion in investment losses from these securities. In addition, ...

  8. 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…

  9. Capturing the Flatness of a peer-to-peer lending network through random and selected perturbations

    Science.gov (United States)

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

    Null models are established tools that have been used in network analysis to uncover various structural patterns. They quantify the deviance of an observed network measure to that given by the null model. We construct a null model for weighted, directed networks to identify biased links (carrying significantly different weights than expected according to the null model) and thus quantify the flatness of the system. Using this model, we study the flatness of Kiva, a large international crownfinancing network of borrowers and lenders, aggregated to the country level. The dataset spans the years from 2006 to 2013. Our longitudinal analysis shows that flatness of the system is reducing over time, meaning the proportion of biased inter-country links is growing. We extend our analysis by testing the robustness of the flatness of the network in perturbations on the links' weights or the nodes themselves. Examples of such perturbations are event shocks (e.g. erecting walls) or regulatory shocks (e.g. Brexit). We find that flatness is unaffected by random shocks, but changes after shocks target links with a large weight or bias. The methods we use to capture the flatness are based on analytics, simulations, and numerical computations using Shannon's maximum entropy. Supported by ARL NS-CTA.

  10. The power of listening: Lending an ear to the partner during dyadic coping conversations.

    Science.gov (United States)

    Kuhn, Rebekka; Bradbury, Thomas N; Nussbeck, Fridtjof W; Bodenmann, Guy

    2018-06-04

    Although active, responsive listening is widely assumed to be essential for well-functioning intimate relationships, the manner in which this important behavior might promote closeness remains unknown. To test the prediction that listening may be especially influential when partners disclose experiences of stress, we instructed 365 heterosexual couples to hold two 8-min conversations in which each partner discussed a stressful personal experience while the other partner was asked to respond as he or she ordinarily would. We coded expressions of stress and listening behavior at 10-s intervals during these conversations, applied actor-partner multilevel models to compute a variable capturing the covariation between one partner's stress expression and the other partner's listening behavior, and then used that variable in regression analyses to predict observed dyadic coping behaviors, self-reports of the quality of dyadic coping in general, and self-reports of relationship satisfaction. Attentive listening while the other partner expressed stress was significantly linked with better dyadic coping behaviors and higher relationship satisfaction. Partners displaying less attentive listening during the partner's stress expression also engaged in more problem-oriented coping and more negative dyadic coping. Because attentive listening during disclosure of stress covaries in expected ways with support provision and judgments of relationship quality, appreciating the context-specific effects of active listening merits careful consideration as an intervention target in couple therapy and in relationship education programs. (PsycINFO Database Record (c) 2018 APA, all rights reserved).

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

    OpenAIRE

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

    2011-01-01

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

  12. Reckless lending: how Canada's Export Development Corporation puts people and environment at risk

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2000-03-01

    This report documents the negative impacts of several projects financed by Canada's Export Development Corporation (EDC), how these investments put people and the environment at risk, and highlights the need for ensuring that EDC, an agency of the Canadian Government, is compelled to uphold public policies and international standards protecting human rights, the environment and the social needs of communities. By way of proving its case, authors of this report describe several international projects --the Three Gorges Dam in China; the Urra Hydro Project in Colombia; the Marcopper Mine in the Philippines; the BioBio Dam in Chile; the Ok Tedi Copper Mine in Papua New Guinea; the Yacyreta Dam in Argentina and Paraguay; and CANDU reactors in Argentina, China, Romania, South Korea and Turkey -- as proof of human rights violations and environmental disasters in which EDC has been an accessory. It is emphasized that unlike the World Bank and the U.S. export credit agencies, EDC is not required to undertake environmental assessment, or to take into account the impact on human rights or communities of project which they help to finance. The authors recommend amendments to the Export Development Act that would require the EDC to disclose information about proposed project at least 60 days before approval by the Board, including description of the project, the terms of financing, along with any environmental, social and human rights information collected. EDC should be required to establish an autonomous accountability mechanism, using the mechanisms of the World Bank Group as a model to track and guide EDC's policy implementation, and to receive and address complaints from external parties affected by EDC-supported activities. EDC should require social, environmental and human rights assessments, using World Bank standards and methodology as the base, and ensure implementation of recommendations by separately specifying them in the contract. EDC should not be

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

    Directory of Open Access Journals (Sweden)

    N P Parkhitko

    2015-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Satlaj Dighe

    2011-10-01

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

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

    Directory of Open Access Journals (Sweden)

    Paliu - Popa Lucia

    2012-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Cristian Gheorghe Iacob

    2015-05-01

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

  17. Wide and High Additive Manufacturing

    Energy Technology Data Exchange (ETDEWEB)

    Post, Brian K. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Roschli, Alex C. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States)

    2017-03-01

    The goal of this project is to develop and demonstrate the enabling technologies for Wide and High Additive Manufacturing (WHAM). WHAM will open up new areas of U.S. manufacturing for very large tooling in support of the transportation and energy industries, significantly reducing cost and lead time. As with Big Area Additive Manufacturing (BAAM), the initial focus is on the deposition of composite materials.

  18. Radical Additions to Fluoroolefins. Photochemical Fluoroalkylation of Alkanols and Alkane Diols with Perfluoro Vinyl Ethers; Photo-Supported O-Alkylation of Butane-1,4-Diol with Hexafluoropropene

    Czech Academy of Sciences Publication Activity Database

    Církva, Vladimír; Polák, R.; Paleta, O.

    1996-01-01

    Roč. 80, č. 2 (1996), s. 135-144 ISSN 0022-1139 Institutional research plan: CEZ:AV0Z4072921 Keywords : radical addition * regioselectivity * perfluoroolefins Subject RIV: CC - Organic Chemistry Impact factor: 0.689, year: 1996

  19. Additive Manufactured Superconducting Cavities

    Science.gov (United States)

    Holland, Eric; Rosen, Yaniv; Woolleet, Nathan; Materise, Nicholas; Voisin, Thomas; Wang, Morris; Mireles, Jorge; Carosi, Gianpaolo; Dubois, Jonathan

    Superconducting radio frequency cavities provide an ultra-low dissipative environment, which has enabled fundamental investigations in quantum mechanics, materials properties, and the search for new particles in and beyond the standard model. However, resonator designs are constrained by limitations in conventional machining techniques. For example, current through a seam is a limiting factor in performance for many waveguide cavities. Development of highly reproducible methods for metallic parts through additive manufacturing, referred to colloquially as 3D printing\\x9D, opens the possibility for novel cavity designs which cannot be implemented through conventional methods. We present preliminary investigations of superconducting cavities made through a selective laser melting process, which compacts a granular powder via a high-power laser according to a digitally defined geometry. Initial work suggests that assuming a loss model and numerically optimizing a geometry to minimize dissipation results in modest improvements in device performance. Furthermore, a subset of titanium alloys, particularly, a titanium, aluminum, vanadium alloy (Ti - 6Al - 4V) exhibits properties indicative of a high kinetic inductance material. This work is supported by LDRD 16-SI-004.

  20. Supporting English Language Arts Standards within the Context of Early Singing Experiences

    Science.gov (United States)

    Nordquist, Alice L.

    2015-01-01

    Music teachers may integrate a variety of English language arts content standards into their curriculum to enhance students' music experiences while also supporting their language development. John M. Feierabend and Melanie Champagne's picture book adaptation of "My Aunt Came Back" lends itself to multiple singing and discussion…

  1. Kuues lend / Rait Avestik

    Index Scriptorium Estoniae

    Avestik, Rait, 1974-

    2007-01-01

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

  2. Ohtlik lend / Iain Carson

    Index Scriptorium Estoniae

    Carson, Iain

    2006-01-01

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

  3. Lending bureaucracy voice

    DEFF Research Database (Denmark)

    Mortensen, Janus; Hazel, Spencer

    2017-01-01

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

  4. Supermani lend / Timo Diener

    Index Scriptorium Estoniae

    Diener, Timo

    2005-01-01

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

  5. Decision Support System For Approval New Student And Majoring Selection Based On Student’s Interest And Talent By Fuzzy Multiple Decision Making, Simple Additive Weighting And Buble Sort Method In SMK Telekomunikasi Tunas Harapan

    Directory of Open Access Journals (Sweden)

    Dewi Nurdiyah

    2016-11-01

    Full Text Available Decision Support System for New Student Acceptance aims to simplify the Decision Maker who is the Committee of New Student Acceptance to select prospective new students based on eight criteria. That is registration number, the average value of National Examinations, medical tests, interview, their achievements, salary of parents per month, number of siblings who are still in school and administration department and give recommendations for the major of accepted students based on their interests and talents. There are four major in SMK Telekomunikasi Tunas Harapan, these are Rekayasa Perangkat Lunak (RPL, Teknik Komputer dan Jaringan (TKJ, Multimedia and Teknik Kendaraan Ringan (TKR. And the talents be measured by math test, electro test, daw test and physics test.

  6. Acid-base titrations by stepwise addition of equal volumes of titrant with special reference to automatic titrations-III Presentation of a fully automatic titration apparatus and of results supporting the theories given in the preceding parts.

    Science.gov (United States)

    Pehrsson, L; Ingman, F

    1977-02-01

    This paper forms Part III of a series in which the first two parts describe methods for evaluating titrations performed by stepwise addition of equal volumes of titrant. The great advantage of these methods is that they do not require an accurate calibration of the electrode system. This property makes the methods very suitable for routine work. e.g., in automatic analysis. An apparatus for performing such titrations automatically is presented. Further, results of titrations of monoprotic acids, a diprotic acid, an ampholyte, a mixture of an acid with its conjugate base, and mixtures of two acids with a small difference between the stability constants are given. Most of these titrations cannot be evaluated by the Gran or Hofstee methods but yield results having errors of the order of 0.1% if the methods proposed in Parts I and II of this series are employed. The advantages of the method of stepwise addition of equal volumes of titrant combined with the proposed evaluation methods, in comparison with common methods such as titration to a preset pH, are that all the data are used in the evaluation, permitting a statistical treatment and giving better possibilities for tracing systematic errors.

  7. Additive Manufacturing Infrared Inspection

    Science.gov (United States)

    Gaddy, Darrell; Nettles, Mindy

    2015-01-01

    The Additive Manufacturing Infrared Inspection Task started the development of a real-time dimensional inspection technique and digital quality record for the additive manufacturing process using infrared camera imaging and processing techniques. This project will benefit additive manufacturing by providing real-time inspection of internal geometry that is not currently possible and reduce the time and cost of additive manufactured parts with automated real-time dimensional inspections which deletes post-production inspections.

  8. MODIFICATION OF THE ANALYTIC HIERARCHY PROCESS (AHP METHOD USING FUZZY LOGIC: FUZZY AHP APPROACH AS A SUPPORT TO THE DECISION MAKING PROCESS CONCERNING ENGAGEMENT OF THE GROUP FOR ADDITIONAL HINDERING

    Directory of Open Access Journals (Sweden)

    Darko Božanić

    2015-11-01

    Full Text Available This paper presents the modification of the AHP method, which takes into account the degree of suspense of decision maker, that is it allows that decision maker, with a certain degree of conviction (which is usually less than 100%, defines which linguistic expression corresponds to optimality criteria comparison. To determine the criteria weights and alternative values, fuzzy numbers are used since they are very suitable for the expression of vagueness and uncertainty. In this way, after applying the AHP method, we obtained values of criterion functions for each of the examined alternatives, which corresponds to the value determined by the degree of conviction. This provides that for different values of the degree of conviction can be made generation of different sets of criterion functions values. The set model was tested on choosing directions of action of the Group for additional hindering, as a procedure wich is often accompanied by greater or lesser degree of uncertainty of criteria that are necessary in relevant decision making

  9. [Food additives and healthiness].

    Science.gov (United States)

    Heinonen, Marina

    2014-01-01

    Additives are used for improving food structure or preventing its spoilage, for example. Many substances used as additives are also naturally present in food. The safety of additives is evaluated according to commonly agreed principles. If high concentrations of an additive cause adverse health effects for humans, a limit of acceptable daily intake (ADI) is set for it. An additive is a risk only when ADI is exceeded. The healthiness of food is measured on the basis of nutrient density and scientifically proven effects.

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

    Science.gov (United States)

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

    2015-07-15

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

  11. Additives in yoghurt production

    Directory of Open Access Journals (Sweden)

    Milna Tudor

    2008-02-01

    Full Text Available In yoghurt production, mainly because of sensory characteristics, different types of additives are used. Each group, and also each substance from the same group has different characteristics and properties. For that reason, for improvement of yoghurt sensory characteristics apart from addition selection, the quantity of the additive is very important. The same substance added in optimal amount improves yoghurt sensory attributes, but too small or too big addition can reduce yoghurt sensory attributes. In this paper, characteristics and properties of mostly used additives in yoghurt production are described; skimmed milk powder, whey powder, concentrated whey powder, sugars and artificial sweeteners, fruits, stabilizers, casein powder, inulin and vitamins. Also the impact of each additive on sensory and physical properties of yoghurt, syneresis and viscosity, are described, depending on used amount added in yoghurt production.

  12. Additional Types of Neuropathy

    Science.gov (United States)

    ... Recipe Kits Delivered We've teamed up with Chef'd to bring you healthy recipe kits. Ways ... Us Policies Corporate Support Newsroom Press Releases For Professionals En Español Online Community Walk Bike Shop Sign ...

  13. Polylactides in additive biomanufacturing.

    Science.gov (United States)

    Poh, Patrina S P; Chhaya, Mohit P; Wunner, Felix M; De-Juan-Pardo, Elena M; Schilling, Arndt F; Schantz, Jan-Thorsten; van Griensven, Martijn; Hutmacher, Dietmar W

    2016-12-15

    New advanced manufacturing technologies under the alias of additive biomanufacturing allow the design and fabrication of a range of products from pre-operative models, cutting guides and medical devices to scaffolds. The process of printing in 3 dimensions of cells, extracellular matrix (ECM) and biomaterials (bioinks, powders, etc.) to generate in vitro and/or in vivo tissue analogue structures has been termed bioprinting. To further advance in additive biomanufacturing, there are many aspects that we can learn from the wider additive manufacturing (AM) industry, which have progressed tremendously since its introduction into the manufacturing sector. First, this review gives an overview of additive manufacturing and both industry and academia efforts in addressing specific challenges in the AM technologies to drive toward AM-enabled industrial revolution. After which, considerations of poly(lactides) as a biomaterial in additive biomanufacturing are discussed. Challenges in wider additive biomanufacturing field are discussed in terms of (a) biomaterials; (b) computer-aided design, engineering and manufacturing; (c) AM and additive biomanufacturing printers hardware; and (d) system integration. Finally, the outlook for additive biomanufacturing was discussed. Copyright © 2016 Elsevier B.V. All rights reserved.

  14. Additive and polynomial representations

    CERN Document Server

    Krantz, David H; Suppes, Patrick

    1971-01-01

    Additive and Polynomial Representations deals with major representation theorems in which the qualitative structure is reflected as some polynomial function of one or more numerical functions defined on the basic entities. Examples are additive expressions of a single measure (such as the probability of disjoint events being the sum of their probabilities), and additive expressions of two measures (such as the logarithm of momentum being the sum of log mass and log velocity terms). The book describes the three basic procedures of fundamental measurement as the mathematical pivot, as the utiliz

  15. Food Additives and Hyperkinesis

    Science.gov (United States)

    Wender, Ester H.

    1977-01-01

    The hypothesis that food additives are causally associated with hyperkinesis and learning disabilities in children is reviewed, and available data are summarized. Available from: American Medical Association 535 North Dearborn Street Chicago, Illinois 60610. (JG)

  16. Groups – Additive Notation

    Directory of Open Access Journals (Sweden)

    Coghetto Roland

    2015-06-01

    Full Text Available We translate the articles covering group theory already available in the Mizar Mathematical Library from multiplicative into additive notation. We adapt the works of Wojciech A. Trybulec [41, 42, 43] and Artur Korniłowicz [25].

  17. Groups – Additive Notation

    OpenAIRE

    Coghetto Roland

    2015-01-01

    We translate the articles covering group theory already available in the Mizar Mathematical Library from multiplicative into additive notation. We adapt the works of Wojciech A. Trybulec [41, 42, 43] and Artur Korniłowicz [25].

  18. Additional Research Needs to Support the GENII Biosphere Models

    Energy Technology Data Exchange (ETDEWEB)

    Napier, Bruce A. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Snyder, Sandra F. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Arimescu, Carmen [Pacific Northwest National Lab. (PNNL), Richland, WA (United States)

    2013-11-01

    In the course of evaluating the current parameter needs for the GENII Version 2 code (Snyder et al. 2013), areas of possible improvement for both the data and the underlying models have been identified. As the data review was implemented, PNNL staff identified areas where the models can be improved both to accommodate the locally significant pathways identified and also to incorporate newer models. The areas are general data needs for the existing models and improved formulations for the pathway models.

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

    Science.gov (United States)

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

    2018-05-14

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

  20. Alternative additives; Alternative additiver

    Energy Technology Data Exchange (ETDEWEB)

    2007-08-15

    In this project a number of industrial and agricultural waste products have been characterised and evaluated in terms of alkali-getter performance. The intended use is for biomass-fired power stations aiming at reducing corrosion or slagging related problems. The following products have been obtained, characterised and evaluated: 1) Brewery draff 2) Danish de-gassed manure 3) Paper sludge 4) Moulding sand 5) Spent bleaching earth 6) Anorthosite 7) Sand 8) Clay-sludge. Most of the above alternative additive candidates are deemed unsuitable due to insufficient chemical effect and/or expensive requirements for pre-treatment (such as drying and transportation). 3 products were selected for full-scale testing: de-gassed manure, spent bleaching earth and clay slugde. The full scale tests were undertaken at the biomass-fired power stations in Koege, Slagelse and Ensted. Spent bleaching earth (SBE) and clay sludge were the only tested additive candidates that had a proven ability to react with KCl, to thereby reduce Cl-concentrations in deposits, and reduce the deposit flux to superheater tubes. Their performance was shown to nearly as good as commercial additives. De-gassed manure, however, did not evaluate positively due to inhibiting effects of Ca in the manure. Furthermore, de-gassed manure has a high concentration of heavy metals, which imposes a financial burden with regard to proper disposal of the ash by-products. Clay-sludge is a wet clay slurring, and drying and transportation of this product entails substantial costs. Spent bleaching does not require much pre-treatment and is therefore the most promising alternative additive. On the other hand, bleaching earth contains residual plant oil which means that a range of legislation relating to waste combustion comes into play. Not least a waste combustion fee of 330 DKK/tonne. For all alternative (and commercial) additives disposal costs of the increase ash by-products represents a significant cost. This is

  1. Model Additional Protocol

    International Nuclear Information System (INIS)

    Rockwood, Laura

    2001-01-01

    Since the end of the cold war a series of events has changed the circumstances and requirements of the safeguards system. The discovery of a clandestine nuclear weapons program in Iraq, the continuing difficulty in verifying the initial report of Democratic People's Republic of Korea upon entry into force of their safeguards agreement, and the decision of the South African Government to give up its nuclear weapons program and join the Treaty on the Non-Proliferation of Nuclear Weapons have all played a role in an ambitious effort by IAEA Member States and the Secretariat to strengthen the safeguards system. A major milestone in this effort was reached in May 1997 when the IAEA Board of Governors approved a Model Protocol Additional to Safeguards Agreements. The Model Additional Protocol was negotiated over a period of less than a year by an open-ended committee of the Board involving some 70 Member States and two regional inspectorates. The IAEA is now in the process of negotiating additional protocols, State by State, and implementing them. These additional protocols will provide the IAEA with rights of access to information about all activities related to the use of nuclear material in States with comprehensive safeguards agreements and greatly expanded physical access for IAEA inspectors to confirm or verify this information. In conjunction with this, the IAEA is working on the integration of these measures with those provided for in comprehensive safeguards agreements, with a view to maximizing the effectiveness and efficiency, within available resources, the implementation of safeguards. Details concerning the Model Additional Protocol are given. (author)

  2. Additive manufacturing of metals

    International Nuclear Information System (INIS)

    Herzog, Dirk; Seyda, Vanessa; Wycisk, Eric; Emmelmann, Claus

    2016-01-01

    Additive Manufacturing (AM), the layer-by layer build-up of parts, has lately become an option for serial production. Today, several metallic materials including the important engineering materials steel, aluminium and titanium may be processed to full dense parts with outstanding properties. In this context, the present overview article describes the complex relationship between AM processes, microstructure and resulting properties for metals. It explains the fundamentals of Laser Beam Melting, Electron Beam Melting and Laser Metal Deposition, and introduces the commercially available materials for the different processes. Thereafter, typical microstructures for additively manufactured steel, aluminium and titanium are presented. Special attention is paid to AM specific grain structures, resulting from the complex thermal cycle and high cooling rates. The properties evolving as a consequence of the microstructure are elaborated under static and dynamic loading. According to these properties, typical applications are presented for the materials and methods for conclusion.

  3. Additive manufactured serialization

    Science.gov (United States)

    Bobbitt, III, John T.

    2017-04-18

    Methods for forming an identifying mark in a structure are described. The method is used in conjunction with an additive manufacturing method and includes the alteration of a process parameter during the manufacturing process. The method can form in a unique identifying mark within or on the surface of a structure that is virtually impossible to be replicated. Methods can provide a high level of confidence that the identifying mark will remain unaltered on the formed structure.

  4. SPORT FOOD ADDITIVE CLASSIFICATION

    Directory of Open Access Journals (Sweden)

    I. P. Prokopenko

    2015-01-01

    Full Text Available Correctly organized nutritive and pharmacological support is an important component of an athlete's preparation for competitions, an optimal shape maintenance, fast recovery and rehabilitation after traumas and defatigation. Special products of enhanced biological value (BAS for athletes nutrition are used with this purpose. Easy-to-use energy sources are administered into athlete's organism, yielded materials and biologically active substances which regulate and activate exchange reactions which proceed with difficulties during certain physical trainings. The article presents sport supplements classification which can be used before warm-up and trainings, after trainings and in competitions breaks.

  5. Development of Additive Construction Technologies for Application to Development of Lunar/Martian Surface Structures Using In-Situ Materials

    Science.gov (United States)

    Werkheiser, Niki J.; Fiske, Michael R.; Edmunson, Jennifer E.; Khoshnevis, Berokh

    2015-01-01

    For long-duration missions on other planetary bodies, the use of in situ materials will become increasingly critical. As human presence on these bodies expands, so must the breadth of the structures required to accommodate them including habitats, laboratories, berms, radiation shielding for natural radiation and surface reactors, garages, solar storm shelters, greenhouses, etc. Planetary surface structure manufacturing and assembly technologies that incorporate in situ resources provide options for autonomous, affordable, pre-positioned environments with radiation shielding features and protection from micrometeorites, exhaust plume debris, and other hazards. The ability to use in-situ materials to construct these structures will provide a benefit in the reduction of up-mass that would otherwise make long-term Moon or Mars structures cost prohibitive. The ability to fabricate structures in situ brings with it the ability to repair these structures, which allows for the self-sufficiency and sustainability necessary for long-duration habitation. Previously, under the auspices of the MSFC In-Situ Fabrication and Repair (ISFR) project and more recently, under the jointly-managed MSFC/KSC Additive Construction with Mobile Emplacement (ACME) project, the MSFC Surface Structures Group has been developing materials and construction technologies to support future planetary habitats with in-situ resources. One such additive construction technology is known as Contour Crafting. This paper presents the results to date of these efforts, including development of novel nozzle concepts for advanced layer deposition using this process. Conceived initially for rapid development of cementitious structures on Earth, it also lends itself exceptionally well to the automated fabrication of planetary surface structures using minimally processed regolith as aggregate, and binders developed from in situ materials as well. This process has been used successfully in the fabrication of

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

    Directory of Open Access Journals (Sweden)

    Osman PEKER

    2011-01-01

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

  7. 78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ..., and child support; (7) the monthly debt-to-income ratio or residual income; and (8) credit history... concerns were heightened as mortgage delinquencies and foreclosure rates increased dramatically, caused in... to repay.\\6\\ Subprime products were sold primarily to consumers with poor or no credit history...

  8. BWR zinc addition Sourcebook

    International Nuclear Information System (INIS)

    Garcia, Susan E.; Giannelli, Joseph F.; Jarvis, Alfred J.

    2014-01-01

    Boiling Water Reactors (BWRs) have been injecting zinc into the primary coolant via the reactor feedwater system for over 25 years for the purpose of controlling primary system radiation fields. The BWR zinc injection process has evolved since the initial application at the Hope Creek Nuclear Station in 1986. Key transitions were from the original natural zinc oxide (NZO) to depleted zinc oxide (DZO), and from active zinc injection of a powdered zinc oxide slurry (pumped systems) to passive injection systems (zinc pellet beds). Zinc addition has continued through various chemistry regimes changes, from normal water chemistry (NWC) to hydrogen water chemistry (HWC) and HWC with noble metals (NobleChem™) for mitigation of intergranular stress corrosion cracking (IGSCC) of reactor internals and primary system piping. While past reports published by the Electric Power Research Institute (EPRI) document specific industry experience related to these topics, the Zinc Sourcebook was prepared to consolidate all of the experience gained over the past 25 years. The Zinc Sourcebook will benefit experienced BWR Chemistry, Operations, Radiation Protection and Engineering personnel as well as new people entering the nuclear power industry. While all North American BWRs implement feedwater zinc injection, a number of other BWRs do not inject zinc. This Sourcebook will also be a valuable resource to plants considering the benefits of zinc addition process implementation, and to gain insights on industry experience related to zinc process control and best practices. This paper presents some of the highlights from the Sourcebook. (author)

  9. Teardrop bladder: additional considerations

    International Nuclear Information System (INIS)

    Wechsler, R.J.; Brennan, R.E.

    1982-01-01

    Nine cases of teardrop bladder (TDB) seen at excretory urography are presented. In some of these patients, the iliopsoas muscles were at the upper limit of normal in size, and additional evaluation of the perivesical structures with computed tomography (CT) was necessary. CT demonstrated only hypertrophied muscles with or without perivesical fat. The psoas muscles and pelvic width were measured in 8 patients and compared with the measurements of a control group of males without TDB. Patients with TDB had large iliopsoas muscles and narrow pelves compared with the control group. The psoas muscle width/pelvic width ratio was significantly greater (p < 0.0005) in patients with TDB than in the control group, with values of 1.04 + 0.05 and 0.82 + 0.09, respectively. It is concluded that TDB is not an uncommon normal variant in black males. Both iliopsoas muscle hypertrophy and a narrow pelvis are factors that predispose a patient to TDB

  10. Sewage sludge additive

    Science.gov (United States)

    Kalvinskas, J. J.; Mueller, W. A.; Ingham, J. D. (Inventor)

    1980-01-01

    The additive is for a raw sewage treatment process of the type where settling tanks are used for the purpose of permitting the suspended matter in the raw sewage to be settled as well as to permit adsorption of the dissolved contaminants in the water of the sewage. The sludge, which settles down to the bottom of the settling tank is extracted, pyrolyzed and activated to form activated carbon and ash which is mixed with the sewage prior to its introduction into the settling tank. The sludge does not provide all of the activated carbon and ash required for adequate treatment of the raw sewage. It is necessary to add carbon to the process and instead of expensive commercial carbon, coal is used to provide the carbon supplement.

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

    Directory of Open Access Journals (Sweden)

    Heliud Luis Maia MOURA

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

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

    Directory of Open Access Journals (Sweden)

    Sinem Gözde BEŞBALLI

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Luca Casolaro

    2012-04-01

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

  14. Additive lattice kirigami.

    Science.gov (United States)

    Castle, Toen; Sussman, Daniel M; Tanis, Michael; Kamien, Randall D

    2016-09-01

    Kirigami uses bending, folding, cutting, and pasting to create complex three-dimensional (3D) structures from a flat sheet. In the case of lattice kirigami, this cutting and rejoining introduces defects into an underlying 2D lattice in the form of points of nonzero Gaussian curvature. A set of simple rules was previously used to generate a wide variety of stepped structures; we now pare back these rules to their minimum. This allows us to describe a set of techniques that unify a wide variety of cut-and-paste actions under the rubric of lattice kirigami, including adding new material and rejoining material across arbitrary cuts in the sheet. We also explore the use of more complex lattices and the different structures that consequently arise. Regardless of the choice of lattice, creating complex structures may require multiple overlapping kirigami cuts, where subsequent cuts are not performed on a locally flat lattice. Our additive kirigami method describes such cuts, providing a simple methodology and a set of techniques to build a huge variety of complex 3D shapes.

  15. From eLending to eTeaching: Transitioning e-Reading Tools from the Library to the Classromm

    OpenAIRE

    Cath, Adam Eelke

    2012-01-01

    In 2003 Texas A&M University established an engineering campus in Qatar Foundation’s Education City in Doha, Qatar. In addition to engineering, instruction is also provided in science, mathematics, liberal arts and humanities. From the beginning it was intended that the library at Qatar campus would have a small physical presence but have full access to all Texas A&M electronic resources. One of the by-products of this has been a concerted ongoing investigation into electronic alternatives to...

  16. Tech Support.

    Science.gov (United States)

    Beem, Kate

    2002-01-01

    Discusses technology-support issues, including staff training, cost, and outsourcing. Describes how various school districts manage technology-support services. Features the Technology Support Index, developed by the International Society for Technology in Education, to gauge the operation of school district technology-support programs. (PKP)

  17. The relevance of financial information and contents of the new audit report for lending decisions of commercial banks

    Directory of Open Access Journals (Sweden)

    Marina Trpeska

    2017-12-01

    Full Text Available This research study examines the importance of financial information and information contained in the ISA’s New Audit Report effective from 2016 for lenders as capital providers. We base our findings on a survey conducted in September of 2016 with corporate loan officers for medium-large corporate clients in Macedonia. The results show that the annual report of the company, except for the management report and notes to the financial statements, has consistently high importance and usability for respondents’ decision making. Various accounting ratios related to liquidity, financial stability and profitability of the company are considered very important and regularly used in credit analysis. However, respondents were not consistent in their shared perceptions regarding high importance of projected profits and historical information on operating cash flows. All loan officers gave high importance to the information found in existent auditor’s report format regardless of the form of expressed opinion. Also, information on key audit matters, additional information on going concern and related auditor’s judgement, procedures related to fraud risk were considered of high importance. Lenders rated as less important the disclosure of the name of engagement partner, auditor’s statement on independence and compliance with ethical requirements and the level of materiality used in the audit.

  18. Human-Derived Disturbance Estimation and Compensation (DEC) Method Lends Itself to a Modular Sensorimotor Control in a Humanoid Robot.

    Science.gov (United States)

    Lippi, Vittorio; Mergner, Thomas

    2017-01-01

    The high complexity of the human posture and movement control system represents challenges for diagnosis, therapy, and rehabilitation of neurological patients. We envisage that engineering-inspired, model-based approaches will help to deal with the high complexity of the human posture control system. Since the methods of system identification and parameter estimation are limited to systems with only a few DoF, our laboratory proposes a heuristic approach that step-by-step increases complexity when creating a hypothetical human-derived control systems in humanoid robots. This system is then compared with the human control in the same test bed, a posture control laboratory. The human-derived control builds upon the identified disturbance estimation and compensation (DEC) mechanism, whose main principle is to support execution of commanded poses or movements by compensating for external or self-produced disturbances such as gravity effects. In previous robotic implementation, up to 3 interconnected DEC control modules were used in modular control architectures separately for the sagittal plane or the frontal body plane and successfully passed balancing and movement tests. In this study we hypothesized that conflict-free movement coordination between the robot's sagittal and frontal body planes emerges simply from the physical embodiment, not necessarily requiring a full body control. Experiments were performed in the 14 DoF robot Lucy Posturob (i) demonstrating that the mechanical coupling from the robot's body suffices to coordinate the controls in the two planes when the robot produces movements and balancing responses in the intermediate plane, (ii) providing quantitative characterization of the interaction dynamics between body planes including frequency response functions (FRFs), as they are used in human postural control analysis, and (iii) witnessing postural and control stability when all DoFs are challenged together with the emergence of inter

  19. Nutritional Support

    Science.gov (United States)

    Nutritional support is therapy for people who cannot get enough nourishment by eating or drinking. You may need ... absorb nutrients through your digestive system You receive nutritional support through a needle or catheter placed in your ...

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

    Directory of Open Access Journals (Sweden)

    Jeong-yeou Chiu

    2001-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Liberata Mukamana

    2016-11-01

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

  2. Supporting Families to Support Students

    Science.gov (United States)

    Kelly, John; Rossen, Eric; Cowan, Katherine C.

    2018-01-01

    Collaboration between students' families and the school is an essential component to promoting student mental and behavioral health. Many schools structure their mental health services using a Multi-Tiered System of Supports that offers three different tiers of support from universal supports to personalized help for students with serious…

  3. Roadway supports

    Energy Technology Data Exchange (ETDEWEB)

    Stassen, P

    1980-01-01

    Support systems in stone drifts and tunnels are discussed. Timber supports, steel arches, cold-bent sheet-metal arches, shotcrete and combined support arrangements are described. Brickwork and reinforced concrete are also covered. Supports in roadways leading to the face and in-seam roads are discussed including timber supports, steel arches, articulated arches on timber chocks, support accessories and the withdrawal and reshaping of arches. The subject of strata bolting, the aims of strata bolting, methods of strata bolting, systems of rock-bolting, end plates and wire mesh, and bolt and anchorage monitoring are also discussed. Injection techniques, injection parameters, injection methods, grouts, includes an example of the application of injection techniques are covered and combined injection/dowelling arrangements are examined. (55 refs.) (In French)

  4. effects of sulphur addition on addition on and mechanical properties

    African Journals Online (AJOL)

    User

    234-8034714355. 8034714355. 1. EFFECTS OF SULPHUR ADDITION ON. ADDITION ON. 2. AND MECHANICAL PROPERTIES O. 3. 4. C. W. Onyia. 5. 1DEPT. OF METALLURGICAL AND MATERIALS. 6. 2, 4DEPT. OF METALLURGICAL ...

  5. SOME “EXOTIC” INFORMATION SOURCES THAT HAVE BEEN DISCOVERED DURING THE SELECTION OF SERIAL PUBLICATIONS TO SUPPORT RESEARCH IN ENERGY SECURITY, ENERGY CONSERVATION AND ENERGY EFFICIENCY TECHNOLOGIES AND TECHNIQUES: ADVANTAGEOUS ADDITION FOR “PROFESSIONAL READING” OF A POWER ENGINEERING EXPERT

    Directory of Open Access Journals (Sweden)

    V. S. Lazarev

    2018-01-01

    Full Text Available This work is a fragment of ongoing research aimed at creating a comfortable information environment that provides access to the publications of international scientific journals and other periodicals and continuing publications that are necessary to support qualitative performance of research in Priority Directions of the Research and Technical Activities in the Republic of Belarus for 2016–2020. During the citation analysis-based selection of the world scientific serial publications apposite for a qualitative performance of research in energy security, energy conservation and energy efficient technologies and techniques with the use of the data of Journal Citation Reports® (which basic results are available at: https://figshare.com/articles/energy_sec_xlsx/5606053/2 a noticeable amount of non-serial items was also found out in addition to serial publications, as well as some publications that, though being serial, did not look typical to be used in the research activities. Individual consideration of each such “exotic” information source confirmed, however, that their noticeable citedness by the world experts in power engineering looked quite natural. Moreover, it becomes clear that these (apparently wrongly reflected in Journal Citation Reports® information sources are, however, not an “information noise”, but a useful addition to the “professional reading” of power engineering experts. Since these sources are publicly available via the Internet, it was decided just to recommend them for inclusion in the “professional reading” of the CIS power engineering experts, providing the latter with URLs and brief recommendations for the use. All the mentioned data is given in the present article. As for the species structure of the information sources included in our reference list, there are: a database with online access; web-sites of news agencies; web-site of the International Energy Agency; statistical yearbooks and the

  6. Study Protocol: The Norfolk Diabetes Prevention Study [NDPS]: a 46 month multi - centre, randomised, controlled parallel group trial of a lifestyle intervention [with or without additional support from lay lifestyle mentors with Type 2 diabetes] to prevent transition to Type 2 diabetes in high risk groups with non - diabetic hyperglycaemia, or impaired fasting glucose.

    Science.gov (United States)

    Pascale, Melanie; Murray, Nikki; Bachmann, Max; Barton, Garry; Clark, Allan; Howe, Amanda; Greaves, Colin; Sampson, Mike

    2017-01-06

    This 7 year NIHR programme [2011-2018] tests the primary hypothesis that the NDPS diet and physical activity intervention will reduce the risk of transition to type 2 diabetes (T2DM) in groups at high risk of Type 2 diabetes. The NDPS programme recognizes the need to reduce intervention costs through group delivery and the use of lay mentors with T2DM, the realities of normal primary care, and the complexity of the current glycaemic categorisation of T2DM risk. NDPS identifies people at highest risk of T2DM on the databases of 135 general practices in the East of England for further screening with ab fasting plasma glucose and glycosylated haemoglobin [HbA1c]. Those with an elevated fasting plasma glucose [impaired fasting glucose or IFG] with or without an elevated HbA1c [non -diabetic hyperglycaemia; NDH] are randomised into three treatment arms: a control arm receiving no trial intervention, an arm receiving an intensive bespoke group-based diet and physical activity intervention, and an arm receiving the same intervention with enhanced support from people with T2DM trained as diabetes prevention mentors [DPM]. The primary end point is cumulative transition rates to T2DM between the two intervention groups, and between each intervention group and the control group at 46 months. Participants with screen detected T2DM are randomized into an equivalent prospective controlled trial with the same intervention and control arms with glycaemic control [HbA1c] at 46 months as the primary end point. Participants with NDH and a normal fasting plasma glucose are randomised into an equivalent prospective controlled intervention trial with follow up for 40 months. The intervention comprises six education sessions for the first 12 weeks and then up to 15 maintenance sessions until intervention end, all delivered in groups, with additional support from a DPM in one treatment arm. The NDPS programme reports in 2018 and will provide trial outcome data for a group delivered

  7. 77 FR 76841 - Lending Limits

    Science.gov (United States)

    2012-12-31

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

  8. 78 FR 37930 - Lending Limits

    Science.gov (United States)

    2013-06-25

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

  9. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

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

  10. Lending conspiracy alleged by Slesers

    Index Scriptorium Estoniae

    2010-01-01

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

  11. ADDITIVES USED TO OBTAIN FOOD

    Directory of Open Access Journals (Sweden)

    Dorina Ardelean

    2012-01-01

    Full Text Available Use of food additives in food is determined by the growth of contemporary food needs of the world population. Additives used in food, both natural and artificial ones, contribute to: improving the organoleptic characteristics and to preserve the food longer, but we must not forget that all these additives should not be found naturally in food products. Some of these additives are not harmful and human pests in small quantities, but others may have harmful effects on health.

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

    Institute of Scientific and Technical Information of China (English)

    李旸; 甘浩辰

    2016-01-01

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

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

    OpenAIRE

    Steven Ongena; Ibolya Schindele; Dzsamila Vonnak

    2014-01-01

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

  14. Decision support systems in nuclear emergencies: A scenario-based comparison of domestic and reference tools

    International Nuclear Information System (INIS)

    Vamanu, D.; Slavnicu, S. D.; Slavnicu, E.; Vamanu, B.

    2004-01-01

    The article reports selective results of a comparison between RODOS - an emerging decision support system for the management of nuclear emergencies in Europe developed by an international research consortium under EEC aegis, and a resident software package developed and maintained for similar purposes at IFIN-HH, Bucharest. Reproducible similarity patterns obtained in the output data distributions provide for simple normalising procedures that may ensure convergent radiological assessments. When properly consolidated on a sufficient scenario casuistry, such procedures could lend a certain resilience to domestic decision support tools over the interim lead time required by the full implementation of RODOS, or other major league, internationally accepted reference systems. (authors)

  15. Supporting Information

    Data.gov (United States)

    U.S. Environmental Protection Agency — This is the supporting information for the journal article. This dataset is associated with the following publication: Rankin, K., S. Mabury, T. Jenkins, and J....

  16. Supporting Info

    Data.gov (United States)

    U.S. Environmental Protection Agency — Supporting Info. This dataset is associated with the following publication: Washington , J., and T. Jenkins. Abiotic Hydrolysis of Fluorotelomer-Based Polymers as a...

  17. Supporting Info

    Data.gov (United States)

    U.S. Environmental Protection Agency — Supporting Information. This dataset is associated with the following publication: Washington , J., T. Jenkins, and E. Weber. Identification of Unsaturated and 2H...

  18. Generalized Additive Models for Nowcasting Cloud Shading

    Czech Academy of Sciences Publication Activity Database

    Brabec, Marek; Paulescu, M.; Badescu, V.

    2014-01-01

    Roč. 101, March (2014), s. 272-282 ISSN 0038-092X R&D Projects: GA MŠk LD12009 Grant - others:European Cooperation in Science and Technology(XE) COST ES1002 Institutional support: RVO:67985807 Keywords : sunshine number * nowcasting * generalized additive model * Markov chain Subject RIV: BB - Applied Statistics, Operational Research Impact factor: 3.469, year: 2014

  19. Color Addition and Subtraction Apps

    Science.gov (United States)

    Ruiz, Frances; Ruiz, Michael J.

    2015-01-01

    Color addition and subtraction apps in HTML5 have been developed for students as an online hands-on experience so that they can more easily master principles introduced through traditional classroom demonstrations. The evolution of the additive RGB color model is traced through the early IBM color adapters so that students can proceed step by step…

  20. How Safe Are Color Additives?

    Science.gov (United States)

    ... Linkedin Pin it Email Print Subscribe: FDA Consumer Health Information Color additives give the red tint to your fruit punch ... in Foods, Drugs, Cosmetics, and Medical Devices Color Additives: FDA's Regulatory Process and Historical Perspectives ... Health Cosmetics Dietary Supplements Drugs Food Medical Devices Nutrition ...

  1. Density measures and additive property

    OpenAIRE

    Kunisada, Ryoichi

    2015-01-01

    We deal with finitely additive measures defined on all subsets of natural numbers which extend the asymptotic density (density measures). We consider a class of density measures which are constructed from free ultrafilters on natural numbers and study a certain additivity property of such density measures.

  2. Additive Construction with Mobile Emplacement (ACME)

    Science.gov (United States)

    Vickers, John

    2015-01-01

    The Additive Construction with Mobile Emplacement (ACME) project is developing technology to build structures on planetary surfaces using in-situ resources. The project focuses on the construction of both 2D (landing pads, roads, and structure foundations) and 3D (habitats, garages, radiation shelters, and other structures) infrastructure needs for planetary surface missions. The ACME project seeks to raise the Technology Readiness Level (TRL) of two components needed for planetary surface habitation and exploration: 3D additive construction (e.g., contour crafting), and excavation and handling technologies (to effectively and continuously produce in-situ feedstock). Additionally, the ACME project supports the research and development of new materials for planetary surface construction, with the goal of reducing the amount of material to be launched from Earth.

  3. Pipe support

    International Nuclear Information System (INIS)

    Pollono, L.P.

    1979-01-01

    A pipe support for high temperature, thin-walled piping runs such as those used in nuclear systems is described. A section of the pipe to be suppported is encircled by a tubular inner member comprised of two walls with an annular space therebetween. Compacted load-bearing thermal insulation is encapsulated within the annular space, and the inner member is clamped to the pipe by a constant clamping force split-ring clamp. The clamp may be connected to pipe hangers which provide desired support for the pipe

  4. Supporting ATLAS

    CERN Multimedia

    maximilien brice

    2003-01-01

    Eighteen feet made of stainless steel will support the barrel ATLAS detector in the cavern at Point 1. In total, the ATLAS feet system will carry approximately 6000 tons, and will give the same inclination to the detector as the LHC accelerator.

  5. Supporting Transition

    Science.gov (United States)

    Qureshi, Asima; Petrucco, James

    2018-01-01

    Meadowbrook Primary School has explored the use of The Teacher Assessment in Primary Science (TAPS) to support transition, initially for transfer to secondary school and now for transition from Early Years Foundation Stage (EYFS) into Key Stage 1 (ages 5-7). This article will consider an example of a secondary transition project and discuss the…

  6. Prevalence of Food Additive Intolerance

    DEFF Research Database (Denmark)

    Madsen, Charlotte Bernhard

    1994-01-01

    The prevalence estimates vary with a factor 100. As the results vary so do the study populations. 6 If the different study populations are accounted for, a common conclusion can be drawn: Food additive intolerance is found in adults with atopic symptoms from the respiratory tract and skin. The prevalence......1 The existing prevalence estimates of food additive intolerance(1-4) are being reviewed. 2 In the EEC report the estimated frequency of food additive intolerance is 0.03% to 0.15% based on data from patient groups. 3 The British population study results in a prevalence estimate of 0.......026%. The challenged population is 81 children and adults with a history of reproducible clinical symptoms after ingestion of food additives. 4 In the Danish population study a prevalence of 1-2% is found in children age 5-16. In this study a total of 606 children mainly with atopic disease have been challenged. 5...

  7. Topology Optimization for Additive Manufacturing

    DEFF Research Database (Denmark)

    Clausen, Anders

    This PhD thesis deals with the combination of topology optimization and additive man-ufacturing (AM, also known as 3D-printing). In addition to my own works, the thesis contains a broader review and assessment of the literature within the field. The thesis first presents a classification...... of the various AM technologies, a review of relevant manufacturing materials, the properties of these materials in the additively manufactured part, as well as manufacturing constraints with a potential for design optimization. Subsequently, specific topology optimization formulations relevant for the most im...... for scalable manufacturing. In relation to interface problems it is shown how a flexible void area may be included into a standard minimum compliance problem by employing an additional design variable field and a sensitivity filter. Furthermore, it is shown how the design of coated structures may be modeled...

  8. (ICSID) ADDITIONAL FACILITY IN INTERNA

    African Journals Online (AJOL)

    Fr. Ikenga

    ... which is adopted by Article 5 of the Additional Facility Rules to guide the ... B, Barrister at Law, e-mail: kcezeibe@yahoo.com; Phone 08033950631 and .... revision and annulment which are internally available under the Washington ...

  9. Food additives: an ethical evaluation.

    Science.gov (United States)

    Mepham, Ben

    2011-01-01

    Food additives are an integral part of the modern food system, but opinion polls showing most Europeans have worries about them imply an urgent need for ethical analysis of their use. The existing literature on food ethics, safety assessment and animal testing. Food additives provide certain advantages in terms of many people's lifestyles. There are disagreements about the appropriate application of the precautionary principle and of the value and ethical validity of animal tests in assessing human safety. Most consumers have a poor understanding of the relative benefits and risks of additives, but concerns over food safety and animal testing remain high. Examining the impacts of food additives on consumer sovereignty, consumer health and on animals used in safety testing should allow a more informed debate about their appropriate uses.

  10. Food additives and preschool children.

    Science.gov (United States)

    Martyn, Danika M; McNulty, Breige A; Nugent, Anne P; Gibney, Michael J

    2013-02-01

    Food additives have been used throughout history to perform specific functions in foods. A comprehensive framework of legislation is in place within Europe to control the use of additives in the food supply and ensure they pose no risk to human health. Further to this, exposure assessments are regularly carried out to monitor population intakes and verify that intakes are not above acceptable levels (acceptable daily intakes). Young children may have a higher dietary exposure to chemicals than adults due to a combination of rapid growth rates and distinct food intake patterns. For this reason, exposure assessments are particularly important in this age group. The paper will review the use of additives and exposure assessment methods and examine factors that affect dietary exposure by young children. One of the most widely investigated unfavourable health effects associated with food additive intake in preschool-aged children are suggested adverse behavioural effects. Research that has examined this relationship has reported a variety of responses, with many noting an increase in hyperactivity as reported by parents but not when assessed using objective examiners. This review has examined the experimental approaches used in such studies and suggests that efforts are needed to standardise objective methods of measuring behaviour in preschool children. Further to this, a more holistic approach to examining food additive intakes by preschool children is advisable, where overall exposure is considered rather than focusing solely on behavioural effects and possibly examining intakes of food additives other than food colours.

  11. Supporting Members and Friends

    Science.gov (United States)

    2005-10-01

    Thank you! Over the past year, AGU has received 12,104 gifts, both large and small, from members and friends. The Union has also received corporate contributions, National Science Foundation grants, and support from the National Oceanographic Partnership Program and National Association of Geoscience Teachers. Together their generosity has benefited AGU non revenue producing programs that are critical to our science and the future health of the Union. The following list gratefully acknowledges annual gifts of $100 or more and cumulative giving of $5,000 or more. The 1919 Society ($100,000 or more) and Benefactors ($5,000-$99,999) recognize single major gifts and cumulative contributions. Three circles acknowledge annual giving: President's Circle ($1,000 or more), Leadership Circle ($200-$999), and Supporters Circle ($100-$199). Supporting Life Members, who contribute a one-time gift of $1,200 in addition to lifetime dues, are among our most loyal Supporters.

  12. 12 CFR 980.7 - Examinations; requests for additional information.

    Science.gov (United States)

    2010-01-01

    ... new business activity, nothing in this part shall limit the right of the Finance Board at any time to... business activity is consistent with the housing finance and community lending mission of the Banks and the... information. 980.7 Section 980.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD NEW FEDERAL HOME LOAN BANK...

  13. Microbial analyses of cement and grouting additives

    International Nuclear Information System (INIS)

    Hallbeck, L.; Jaegevall, S.; Paeaejaervi, A.; Rabe, L.; Edlund, J.; Eriksson, S.

    2012-01-01

    During sampling in the ONKALO tunnel in 2006, heavy growth of a slimy material was observed in connection with grouting. It was suggested to be microbial growth on organic additives leaching from the grout. Two sampling campaigns resulted in the isolation of several aerobic bacterial strains. Some of these strains were used in biodegradation studies of three solid cement powders, eight liquid grout additives, and six plastic drainage materials. Degradation was also studied using ONKALO groundwaters as inoculums. The isolated strains were most closely related to hydrocarbon-degrading microorganisms. The biodegradation of seven of the products was tested using microorganisms isolated from the ONKALO slime in 2006; none of these strains could degrade the tested products. When ONKALO drillhole groundwaters were used as inoculums in the degradation studies, it was demonstrated that Structuro 111X, Mighty 150, and Super-Parmix supported growth of the groundwater microorganisms. Structuro 111X is a polycarboxylate condensate while Mighty 150 and Super-Parmix are condensates with formaldehyde and naphthalene. Some of the isolated microorganisms belonged to the genus Pseudomonas, many strains of which can degrade organic molecules. None of the plastic drainage materials supported growth during the degradation studies. Microorganisms were present in two of the liquid products when delivered, GroutAid and Super-Parmix. The potential of the organic compounds in grout additives to be degraded by microorganisms, increasing the risk of biofilm formation and complexing compound production, must be considered. Microbial growth will also increase the possibility of hydrogen sulphide formation. (orig.)

  14. effects of sulphur addition on addition on and mechanical properties

    African Journals Online (AJOL)

    User

    on the microstructure and mechanical properties of sand cast been investigated ... owed that the addition of sulphur to Al-12wt%Si alloy. 12wt%Si alloy .... 28 materials. 29. Element. Aluminum. Silicon. Al. Si. Ca. Fe. Cu. Zn. Mn. Mg. Cr. B. 99.71.

  15. Evaluation of certain food additives.

    Science.gov (United States)

    2017-01-01

    This report represents the conclusions of a Joint FAO/WHO Expert Committee convened to evaluate the safety of various food additives, including flavouring agents, with a view to concluding as to safety concerns and to preparing specifications for identity and purity. The first part of the report contains a general discussion of the principles governing the toxicological evaluation of and assessment of dietary exposure to food additives, including flavouring agents. A summary follows of the Committee’s evaluations of technical, toxicological and dietary exposure data for 10 food additives (Allura Red AC; carob bean gum; lutein esters from Tagetes erecta; octenyl succinic acid (OSA)– modified gum arabic; pectin; Quinoline Yellow; rosemary extract; steviol glycosides; tartrazine; and xanthan gum) and five groups of flavouring agents (alicyclic, alicyclic-fused and aromatic-fused ring lactones; aliphatic and aromatic amines and amides; aliphatic secondary alcohols, ketones and related esters; cinnamyl alcohol and related substances; and tetrahydrofuran and furanone derivatives). Specifications for the following food additives were revised: aspartame; cassia gum; citric and fatty acid esters of glycerol (CITREM); modified starches; octanoic acid; starch sodium octenyl succinate; and total colouring matters. Annexed to the report are tables summarizing the Committee’s recommendations for dietary exposures to and toxicological evaluations of all of the food additives, including flavouring agents, considered at this meeting.

  16. Additive manufacturing of tunable lenses

    Science.gov (United States)

    Schlichting, Katja; Novak, Tobias; Heinrich, Andreas

    2017-02-01

    Individual additive manufacturing of optical systems based on 3D Printing offers varied possibilities in design and usage. In addition to the additive manufacturing procedure, the usage of tunable lenses allows further advantages for intelligent optical systems. Our goal is to bring the advantages of additive manufacturing together with the huge potential of tunable lenses. We produced tunable lenses as a bundle without any further processing steps, like polishing. The lenses were designed and directly printed with a 3D Printer as a package. The design contains the membrane as an optical part as well as the mechanical parts of the lens, like the attachments for the sleeves which contain the oil. The dynamic optical lenses were filled with an oil. The focal length of the lenses changes due to a change of the radius of curvature. This change is caused by changing the pressure in the inside of the lens. In addition to that, we designed lenses with special structures to obtain different areas with an individual optical power. We want to discuss the huge potential of this technology for several applications. Further, an appropriate controlling system is needed. Wéll show the possibilities to control and regulate the optical power of the lenses. The lenses could be used for illumination tasks, and in the future, for individual measurement tasks. The main advantage is the individuality and the possibility to create an individual design which completely fulfills the requirements for any specific application.

  17. Heat insulation support device

    International Nuclear Information System (INIS)

    Takahashi, Hiroyuki; Koda, Tomokazu; Motojima, Osamu; Yamamoto, Junya.

    1994-01-01

    The device of the present invention comprises a plurality of heat insulation legs disposed in a circumferential direction. Each of the heat insulative support legs has a hollow shape, and comprises an outer column and an inner column as support structures having a heat insulative property (heat insulative structure), and a thermal anchor which absorbs compulsory displacement by a thin flat plate (displacement absorber). The outer column, the thermal anchor and the inner column are connected by a support so as to offset the positional change of objects to be supported due to shrinkage when they are shrunk. In addition, the portion between the superconductive coils as the objects to be supported and the inner column is connected by the support. The superconductive thermonuclear device is entirely contained in a heat insulative vacuum vessel, and the heat insulative support legs are disposed on a lower lid of the heat insulative vacuum vessel. With such a constitution, they are strengthened against lateral load and buckling, thereby enabling to reduce the amount of heat intrusion while keeping the compulsory displacement easy to be absorbed. (I.N.)

  18. Calcium addition in straw gasification

    DEFF Research Database (Denmark)

    Risnes, H.; Fjellerup, Jan Søren; Henriksen, Ulrik Birk

    2003-01-01

    The present work focuses on the influence of calcium addition in gasification. The inorganic¿organic element interaction as well as the detailed inorganic¿inorganic elements interaction has been studied. The effect of calcium addition as calcium sugar/molasses solutions to straw significantly...... affected the ash chemistry and the ash sintering tendency but much less the char reactivity. Thermo balance test are made and high-temperature X-ray diffraction measurements are performed, the experimental results indicate that with calcium addition major inorganic¿inorganic reactions take place very late...... in the char conversion process. Comprehensive global equilibrium calculations predicted important characteristics of the inorganic ash residue. Equilibrium calculations predict the formation of liquid salt if sufficient amounts of Ca are added and according to experiments as well as calculations calcium binds...

  19. Additive interaction in survival analysis

    DEFF Research Database (Denmark)

    Rod, Naja Hulvej; Lange, Theis; Andersen, Ingelise

    2012-01-01

    It is a widely held belief in public health and clinical decision-making that interventions or preventive strategies should be aimed at patients or population subgroups where most cases could potentially be prevented. To identify such subgroups, deviation from additivity of absolute effects...... an empirical example of interaction between education and smoking on risk of lung cancer. We argue that deviations from additivity of effects are important for public health interventions and clinical decision-making, and such estimations should be encouraged in prospective studies on health. A detailed...... is the relevant measure of interest. Multiplicative survival models, such as the Cox proportional hazards model, are often used to estimate the association between exposure and risk of disease in prospective studies. In Cox models, deviations from additivity have usually been assessed by surrogate measures...

  20. Additional disulfide bonds in insulin

    DEFF Research Database (Denmark)

    Vinther, Tine N; Pettersson, Ingrid; Huus, Kasper

    2015-01-01

    The structure of insulin, a glucose homeostasis-controlling hormone, is highly conserved in all vertebrates and stabilized by three disulfide bonds. Recently, we designed a novel insulin analogue containing a fourth disulfide bond located between positions A10-B4. The N-terminus of insulin's B......-chain is flexible and can adapt multiple conformations. We examined how well disulfide bond predictions algorithms could identify disulfide bonds in this region of insulin. In order to identify stable insulin analogues with additional disulfide bonds, which could be expressed, the Cβ cut-off distance had...... in comparison to analogues with additional disulfide bonds that were more difficult to predict. In contrast, addition of the fourth disulfide bond rendered all analogues resistant to fibrillation under stress conditions and all stable analogues bound to the insulin receptor with picomolar affinities. Thus...

  1. Simple Additive Weighting to Diagnose Rabbit Disease

    Directory of Open Access Journals (Sweden)

    Ramadiani

    2018-01-01

    Full Text Available Rabbit is one of the many pets maintained by the general public in Indonesia. Like other pet, rabbits are also susceptible to various diseases. Society in general does not understand correctly the type of rabbit disease and the way of treatment. To help care for sick rabbits it is necessary a decision support system recommendation diagnosis of rabbit disease. The purpose of this research is to make the application of rabbit disease diagnosis system so that can help user in taking care of rabbit. This application diagnoses the disease by tracing the symptoms and calculating the recommendation of the disease using Simple Additive Weighting method. This research produces a web-based decision support system that is used to help rabbit breeders and the general public.

  2. Simple Additive Weighting to Diagnose Rabbit Disease

    Science.gov (United States)

    Ramadiani; Marissa, Dyna; Jundillah, Muhammad Labib; Azainil; Hatta, Heliza Rahmania

    2018-02-01

    Rabbit is one of the many pets maintained by the general public in Indonesia. Like other pet, rabbits are also susceptible to various diseases. Society in general does not understand correctly the type of rabbit disease and the way of treatment. To help care for sick rabbits it is necessary a decision support system recommendation diagnosis of rabbit disease. The purpose of this research is to make the application of rabbit disease diagnosis system so that can help user in taking care of rabbit. This application diagnoses the disease by tracing the symptoms and calculating the recommendation of the disease using Simple Additive Weighting method. This research produces a web-based decision support system that is used to help rabbit breeders and the general public.

  3. Aminodisulfides as additives to lubricants

    Energy Technology Data Exchange (ETDEWEB)

    Balin, A.I.; Tarasevich, V.B.; Veretenova, T.N.

    1980-01-01

    A study was carried out and tehcnology developed for producing sulfur-nitrogen containing additives of the type of aminodisulfide by interaction of beta, beta-dichlordialkyl (aryl) disulfides with diethanolamine in a medium of sulfur-diethanolamine. The 2,2'-bis-(diethanol)-dialkyl(aryl) disulfides obtained do not hydrolyze in aqueous soltuions of alkalis, exhibit rather high antiscoring properties and are recommended for tests as active additives of high pressure to SOZH and technological lubricants of the oil and emulsion types.

  4. Additive to clay drilling muds

    Energy Technology Data Exchange (ETDEWEB)

    Voytenko, V.S.; Nekrasova, V.B.; Nikitinskiy, E.L.; Ponomarev, V.N.

    1984-01-01

    The purpose of the invention is to improve the lubricating and strengthening properties of clay drilling muds. This goal is achieved because the lubricating and strengthening additive used is waste from the pulp and paper industry at the stage of reprocessing crude sulfate soap into phytosterol.

  5. The selective addition of water

    NARCIS (Netherlands)

    Resch, V.; Hanefeld, U.

    2014-01-01

    Water is omnipresent and essential. Yet at the same time it is a rather unreactive molecule. The direct addition of water to C[double bond, length as m-dash]C double bonds is therefore a challenge not answered convincingly. In this perspective we critically evaluate the selectivity and the

  6. Additive manufacturing in maxillofacial reconstruction

    Directory of Open Access Journals (Sweden)

    Dincă Luciana Laura

    2017-01-01

    Full Text Available In this paper the benefits of using additive manufacturing technologies in maxillofacial reconstruction are highlighted. Based on a real clinical case, the paper describes the manufacture of an implant prototype replacing the right zygomatic bone and a part of maxilla using additive manufacturing technologies. The face is the most expressive part of the human body that makes us unique. It was shown that the maxillofacial prostheses help to improve the psychological state of patients affected by, because low self esteem feeling appears commonly to this patients with the facial defects. The aim of this paper is to show how using additive manufacturing technologies methods within this research, the producing a surgical model will help surgeon to improve the pre-operative planning. For this we used additive manufacturing technologies such as Stereolitography to achieve the biomodel and FDM-fused deposition modelling to obtain a prototype model because these technologies make it possible to obtain prosthesis according to the physical and mechanical requirements of the region of implantation.

  7. Radiation curable Michael addition compounds

    International Nuclear Information System (INIS)

    Gruber, G.W.; Friedlander, C.B.; McDonald, W.H.; Dowbenko, R.

    1979-01-01

    Radiation polymerizable acrylyloxy-containing reaction products are provided from Michael addition reaction of an amide containing at least two acrylate groups with a primary or secondary amine. The resulting amine adducts of the amide, which contain at least one acrylate group per molecule, possesses high cure rates in air and are useful in compositions for forming coatings. (author)

  8. Additively manufactured porous tantalum implants

    NARCIS (Netherlands)

    Wauthle, Ruben; Van Der Stok, Johan; Yavari, Saber Amin; Van Humbeeck, Jan; Kruth, Jean Pierre; Zadpoor, Amir Abbas; Weinans, Harrie; Mulier, Michiel; Schrooten, Jan

    2015-01-01

    The medical device industry's interest in open porous, metallic biomaterials has increased in response to additive manufacturing techniques enabling the production of complex shapes that cannot be produced with conventional techniques. Tantalum is an important metal for medical devices because of

  9. Evaluation of certain food additives.

    Science.gov (United States)

    2012-01-01

    This report represents the conclusions of a Joint FAO/WHO Expert Committee convened to evaluate the safety of various food additives, including flavouring agents, with a view to concluding as to safety concerns and to preparing specifications for identity and purity. The first part of the report contains a general discussion of the principles governing the toxicological evaluation of and assessment of dietary exposure to food additives, including flavouring agents. A summary follows of the Committee's evaluations of technical, toxicological and dietary exposure data for five food additives (magnesium dihydrogen diphosphate; mineral oil (medium and low viscosity) classes II and III; 3-phytase from Aspergillus niger expressed in Aspergillus niger; serine protease (chymotrypsin) from Nocardiopsis prasina expressed in Bacillus licheniformis; and serine protease (trypsin) from Fusarium oxysporum expressed in Fusarium venenatum) and 16 groups of flavouring agents (aliphatic and aromatic amines and amides; aliphatic and aromatic ethers; aliphatic hydrocarbons, alcohols, aldehydes, ketones, carboxylic acids and related esters, sulfides, disulfides and ethers containing furan substitution; aliphatic linear alpha,beta-unsaturated aldehydes, acids and related alcohols, acetals and esters; amino acids and related substances; epoxides; furfuryl alcohol and related substances; linear and branched-chain aliphatic, unsaturated, unconjugated alcohols, aldehydes, acids and related esters; miscellaneous nitrogen-containing substances; phenol and phenol derivatives; pyrazine derivatives; pyridine, pyrrole and quinoline derivatives; saturated aliphatic acyclic branched-chain primary alcohols, aldehydes and acids; simple aliphatic and aromatic sulfides and thiols; sulfur-containing heterocyclic compounds; and sulfur-substituted furan derivatives). Specifications for the following food additives were revised: ethyl cellulose, mineral oil (medium viscosity), modified starches and titanium

  10. Mechanistic and dose considerations for supporting adverse pulmonary physiology in response to formaldehyde

    International Nuclear Information System (INIS)

    Thompson, Chad M.; Subramaniam, Ravi P.; Grafstroem, Roland C.

    2008-01-01

    Induction of airway hyperresponsiveness and asthma from formaldehyde inhalation exposure remains a debated and controversial issue. Yet, recent evidences on pulmonary biology and the pharmacokinetics and toxicity of formaldehyde lend support for such adverse effects. Specifically, altered thiol biology from accelerated enzymatic reduction of the endogenous bronchodilator S-nitrosoglutathione and pulmonary inflammation from involvement of Th2-mediated immune responses might serve as key events and cooperate in airway pathophysiology. Understanding what role these mechanisms play in various species and lifestages (e.g., child vs. adult) could be crucial for making more meaningful inter- and intra-species dosimetric extrapolations in human health risk assessment

  11. Supporting ATLAS

    CERN Multimedia

    2003-01-01

    Eighteen feet made of stainless steel will support the barrel ATLAS detector in the cavern at Point 1. In total, the ATLAS feet system will carry approximately 6000 tons, and will give the same inclination to the detector as the LHC accelerator. The installation of the feet is scheduled to finish during January 2004 with an installation precision at the 1 mm level despite their height of 5.3 metres. The manufacture was carried out in Russia (Company Izhorskiye Zavody in St. Petersburg), as part of a Russian and JINR Dubna in-kind contribution to ATLAS. Involved in the installation is a team from IHEP-Protvino (Russia), the ATLAS technical co-ordination team at CERN, and the CERN survey team. In all, about 15 people are involved. After the feet are in place, the barrel toroid magnet and the barrel calorimeters will be installed. This will keep the ATLAS team busy for the entire year 2004.

  12. Protocol for ADDITION-PRO

    DEFF Research Database (Denmark)

    Johansen, Nanna Borup; Hansen, Anne-Louise Smidt; Jensen, Troels M

    2012-01-01

    disease and microvascular diabetic complications. We also require a better understanding of the mechanisms that underlie and drive early changes in cardiometabolic physiology. The ADDITION-PRO study was designed to address these issues among individuals at different levels of diabetes risk recruited from...... Danish primary care. METHODS/DESIGN: ADDITION-PRO is a population-based, longitudinal cohort study of individuals at high risk for diabetes. 16,136 eligible individuals were identified at high risk following participation in a stepwise screening programme in Danish general practice between 2001 and 2006....... All individuals with impaired glucose regulation at screening, those who developed diabetes following screening, and a random sub-sample of those at lower levels of diabetes risk were invited to attend a follow-up health assessment in 2009-2011 (n=4,188), of whom 2,082 (50%) attended. The health...

  13. Additive theory of prime numbers

    CERN Document Server

    Hua, L K

    2009-01-01

    Loo-Keng Hua was a master mathematician, best known for his work using analytic methods in number theory. In particular, Hua is remembered for his contributions to Waring's Problem and his estimates of trigonometric sums. Additive Theory of Prime Numbers is an exposition of the classic methods as well as Hua's own techniques, many of which have now also become classic. An essential starting point is Vinogradov's mean-value theorem for trigonometric sums, which Hua usefully rephrases and improves. Hua states a generalized version of the Waring-Goldbach problem and gives asymptotic formulas for the number of solutions in Waring's Problem when the monomial x^k is replaced by an arbitrary polynomial of degree k. The book is an excellent entry point for readers interested in additive number theory. It will also be of value to those interested in the development of the now classic methods of the subject.

  14. Dolomitic lime containing hydraulic additive

    International Nuclear Information System (INIS)

    Lagzdina, S.; Sedmalis, U.; Bidermanis, L.; Liepins, J.; Grosvalds, I.

    1997-01-01

    To obtain qualitative dolomitic lime the optimum calcination temperature of dolomite containing about 9 % of clayey substances is 900 deg C. The mechanical strength of dolomitic lime containing 30 % of brick waste additive after 6-9 months of hardening is 1.4-1.5 times higher than that of samples without hydraulic additive, for calcium lime - 2.2-2.6 times higher. Generally the mechanical strength of dolomitic lime is higher than that one of calcium lime. It can be explained by the active role of MgO in the hydration and hardening processes of dolomitic lime. Xray diffraction phase analysis was performed by X-ray diffractometer DPON-3M with Cu-K α emission filter

  15. Decontamination formulation with sorbent additive

    Science.gov (United States)

    Tucker; Mark D. , Comstock; Robert H.

    2007-10-16

    A decontamination formulation and method of making that neutralizes the adverse health effects of both chemical and biological compounds, especially chemical warfare (CW) and biological warfare (BW) agents, and toxic industrial chemicals. The formulation provides solubilizing compounds that serve to effectively render the chemical and biological compounds, particularly CW and BW compounds, susceptible to attack, and at least one reactive compound that serves to attack (and detoxify or kill) the compound. The formulation includes at least one solubilizing agent, a reactive compound, a bleaching activator, a sorbent additive, and water. The highly adsorbent, water-soluble sorbent additive (e.g., sorbitol or mannitol) is used to "dry out" one or more liquid ingredients, such as the liquid bleaching activator (e.g., propylene glycol diacetate or glycerol diacetate) and convert the activator into a dry, free-flowing powder that has an extended shelf life, and is more convenient to handle and mix in the field.

  16. The Frontiers of Additive Manufacturing

    Energy Technology Data Exchange (ETDEWEB)

    Grote, Christopher John [Los Alamos National Lab. (LANL), Los Alamos, NM (United States)

    2016-03-03

    Additive manufacturing, more commonly known as 3-D printing, has become a ubiquitous tool in science for its precise control over mechanical design. For additive manufacturing to work, a 3-D structure is split into thin 2D slices, and then different physical properties, such as photo-polymerization or melting, are used to grow the sequential layers. The level of control allows not only for devices to be made with a variety of materials: e.g. plastics, metals, and quantum dots, but to also have finely controlled structures leading to other novel properties. While 3-D printing is widely used by hobbyists for making models, it also has industrial applications in structural engineering, biological tissue scaffolding, customized electric circuitry, fuel cells, security, and more.

  17. Minimum Additive Waste Stabilization (MAWS)

    International Nuclear Information System (INIS)

    1994-02-01

    In the Minimum Additive Waste Stabilization(MAWS) concept, actual waste streams are utilized as additive resources for vitrification, which may contain the basic components (glass formers and fluxes) for making a suitable glass or glassy slag. If too much glass former is present, then the melt viscosity or temperature will be too high for processing; while if there is too much flux, then the durability may suffer. Therefore, there are optimum combinations of these two important classes of constituents depending on the criteria required. The challenge is to combine these resources in such a way that minimizes the use of non-waste additives yet yields a processable and durable final waste form for disposal. The benefit to this approach is that the volume of the final waste form is minimized (waste loading maximized) since little or no additives are used and vitrification itself results in volume reduction through evaporation of water, combustion of organics, and compaction of the solids into a non-porous glass. This implies a significant reduction in disposal costs due to volume reduction alone, and minimizes future risks/costs due to the long term durability and leach resistance of glass. This is accomplished by using integrated systems that are both cost-effective and produce an environmentally sound waste form for disposal. individual component technologies may include: vitrification; thermal destruction; soil washing; gas scrubbing/filtration; and, ion-exchange wastewater treatment. The particular combination of technologies will depend on the waste streams to be treated. At the heart of MAWS is vitrification technology, which incorporates all primary and secondary waste streams into a final, long-term, stabilized glass wasteform. The integrated technology approach, and view of waste streams as resources, is innovative yet practical to cost effectively treat a broad range of DOE mixed and low-level wastes

  18. Trust Trust Me (The Additivity)

    OpenAIRE

    Mano , Ken; Sakurada , Hideki; Tsukada , Yasuyuki

    2017-01-01

    Part 4: Trust Metrics; International audience; We present a mathematical formulation of a trust metric using a quality and quantity pair. Under a certain assumption, we regard trust as an additive value and define the soundness of a trust computation as not to exceed the total sum. Moreover, we point out the importance of not only soundness of each computed trust but also the stability of the trust computation procedure against changes in trust value assignment. In this setting, we define tru...

  19. A manual on using additives

    International Nuclear Information System (INIS)

    Lee, Bong Hoon

    1991-10-01

    This book consists of five chapters, which describe plasticizer ; summary, synthesis of plasticizer, basic notion, analysis and test on plasticizer, stabilizer ; stabilizer for plastic, an antioxidant, phosphorous acid estelle, ultraviolet ray absorbent, performance of stabilizer, influence on another additives, mix case of PVC production and analysis method for stabilizer, ultraviolet ray absorbent ; basic property and ultraviolet ray absorbent maker, anti-static agent ; basics, anti-static agent of a high molecule and analysis of anti-static agent, flame retardant of plastic.

  20. Energy absorbers as pipe supports

    International Nuclear Information System (INIS)

    Khlafallah, M.Z.; Lee, H.M.

    1985-01-01

    With the exception of springs, pipe supports currently in use are designed with the intent of maintaining their rigidity under load. Energy dissipation mechanisms in these pipe supports result in system damping on the order presented by Code Case N-411 of ASME Section III code. Examples of these energy dissipation mechanisms are fluids and gaps in snubbers, gaps in frame supports, and friction in springs and frame supports. If energy absorbing supports designed in accordance with Code Case N-420 are used, higher additional damping will result

  1. Additive property of separative power

    International Nuclear Information System (INIS)

    Yamamoto, Ichiro; Kanagawa, Akira

    1980-01-01

    A separative power of a separating element, whose heads and tails separation factors are α and β, is expressed by phi sub(b)(α, β) = [α(β - 1)1n α - (α - 1)1n β]/(αβ - 1) for the unit flow of the desired material and phi sub(a)(α, β) (= phi sub(b)(β, α)) for that of undesired material. The additive properties of the functions phi sub(b) and phi sub(a) were demonstrated by calculations of various types of ideal cascades, but the origin of the property is not obvious. The present study has furnished the mathematical basis of the additivity based on the special functional equation. First, for symmetric processes (α = β), the functional equation which describes the function representing the quality of separation f(α, α) concerning the desired material was obtained and solved to give the functional form of f(α, α). The result was extented to the function f(α, β) representing the quality of asymmetric separation (α not equal β). The derived function f(α, β) was demonstrated to be equal to phi sub(b)(α, β), and it was verified that functions phi sub(b)(α, β) and phi sub(a)(α, β) have the additive property in themselves. (author)

  2. Evaluation of certain food additives.

    Science.gov (United States)

    2009-01-01

    This report represents the conclusions of a Joint FAO/WHO Expert Committee convened to evaluate the safety of various food additives, including flavouring agents, with a view to recommending acceptable daily intakes (ADIs) and to preparing specifications for identity and purity. The first part of the report contains a general discussion of the principles governing the toxicological evaluation and assessment of intake of food additives (in particular, flavouring agents). A summary follows of the Committee's evaluations of technical, toxicological and intake data for certain food additives (asparaginase from Aspergillus niger expressed in A. niger, calcium lignosulfonate (40-65), ethyl lauroyl arginate, paprika extract, phospholipase C expressed in Pichia pastoris, phytosterols, phytostanols and their esters, polydimethylsiloxane, steviol glycosides and sulfites [assessment of dietary exposure]) and 10 groups of related flavouring agents (aliphatic branched-chain saturated and unsaturated alcohols, aldehydes, acids and related esters; aliphatic linear alpha,beta-unsaturated aldehydes, acids and related alcohols, acetals and esters; aliphatic secondary alcohols, ketones and related esters; alkoxy-substituted allylbenzenes present in foods and essential oils and used as flavouring agents; esters of aliphatic acyclic primary alcohols with aliphatic linear saturated carboxylic acids; furan-substituted aliphatic hydrocarbons, alcohols, aldehydes, ketones, carboxylic acids and related esters, sulfides, disulfides and ethers; miscellaneous nitrogen-containing substances; monocyclic and bicyclic secondary alcohols, ketones and related esters; hydroxy- and alkoxy-substituted benzyl derivatives; and substances structurally related to menthol). Specifications for the following food additives were revised: canthaxanthin; carob bean gum and carob bean gum (clarified); chlorophyllin copper complexes, sodium and potassium salts; Fast Green FCF; guar gum and guar gum (clarified

  3. Information Architecture for Quality Management Support in Hospitals.

    Science.gov (United States)

    Rocha, Álvaro; Freixo, Jorge

    2015-10-01

    Quality Management occupies a strategic role in organizations, and the adoption of computer tools within an aligned information architecture facilitates the challenge of making more with less, promoting the development of a competitive edge and sustainability. A formal Information Architecture (IA) lends organizations an enhanced knowledge but, above all, favours management. This simplifies the reinvention of processes, the reformulation of procedures, bridging and the cooperation amongst the multiple actors of an organization. In the present investigation work we planned the IA for the Quality Management System (QMS) of a Hospital, which allowed us to develop and implement the QUALITUS (QUALITUS, name of the computer application developed to support Quality Management in a Hospital Unit) computer application. This solution translated itself in significant gains for the Hospital Unit under study, accelerating the quality management process and reducing the tasks, the number of documents, the information to be filled in and information errors, amongst others.

  4. Support facilities

    International Nuclear Information System (INIS)

    Williamson, F.S.; Blomquist, J.A.; Fox, C.A.

    1977-01-01

    Computer support is centered on the Remote Access Data Station (RADS), which is equipped with a 1000 lpm printer, 1000 cpm reader, and a 300 cps paper tape reader with 500-foot spools. The RADS is located in a data preparation room with four 029 key punches (two of which interpret), a storage vault for archival magnetic tapes, card files, and a 30 cps interactive terminal principally used for job inquiry and routing. An adjacent room provides work space for users, with a documentation library and a consultant's office, plus file storage for programs and their documentations. The facility has approximately 2,600 square feet of working laboratory space, and includes two fully equipped photographic darkrooms, sectioning and autoradiographic facilities, six microscope cubicles, and five transmission electron microscopes and one Cambridge scanning electron microscope equipped with an x-ray energy dispersive analytical system. Ancillary specimen preparative equipment includes vacuum evaporators, freeze-drying and freeze-etching equipment, ultramicrotomes, and assorted photographic and light microscopic equipment. The extensive physical plant of the animal facilities includes provisions for holding all species of laboratory animals under controlled conditions of temperature, humidity, and lighting. More than forty rooms are available for studies of the smaller species. These have a potential capacity of more than 75,000 mice, or smaller numbers of larger species and those requiring special housing arrangements. There are also six dog kennels to accommodate approximately 750 dogs housed in runs that consist of heated indoor compartments and outdoor exercise areas

  5. Additive Manufacturing of Porous Metal

    Energy Technology Data Exchange (ETDEWEB)

    Dehoff, Ryan R. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Kirka, Michael M. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States)

    2017-06-01

    Currently, helium is obtained through separation from natural gas. The current industrial process incurs significant costs and requires large energy resources to successfully achieve separation. Through utilizing Additive Manufacturing (AM) technologies it is possible to reduce both of these burdens when refining helium gas. The ability to engineer porosity levels within Inconel 718 discs for controlled separation of helium from natural gas was investigated. Arrays of samples fabricated using the electron beam melting process were analyzed for their relative porosity density. Based upon the measurements, full scale discs were fabricated, and subsequently tested to determine their effectiveness in separating helium from liquefied natural gas.

  6. 75 FR 56995 - Procurement List Proposed Additions and Deletion

    Science.gov (United States)

    2010-09-17

    ... Additions and Deletion AGENCY: Committee for Purchase From People Who Are Blind or Severely Disabled. ACTION: Proposed Additions to and Deletion From the Procurement List. SUMMARY: The Committee is proposing to add... aggregated by the Defense Logistics Agency Troop Support, Philadelphia, PA. Deletion Regulatory Flexibility...

  7. Additive manufacturing of RF absorbers

    Science.gov (United States)

    Mills, Matthew S.

    The ability of additive manufacturing techniques to fabricate integrated electromagnetic absorbers tuned for specific radio frequency bands within structural composites allows for unique combinations of mechanical and electromagnetic properties. These composites and films can be used for RF shielding of sensitive electromagnetic components through in-plane and out-of-plane RF absorption. Structural composites are a common building block of many commercial platforms. These platforms may be placed in situations in which there is a need for embedded RF absorbing properties along with structural properties. Instead of adding radar absorbing treatments to the external surface of existing structures, which adds increased size, weight and cost; it could prove to be advantageous to integrate the microwave absorbing properties directly into the composite during the fabrication process. In this thesis, a method based on additive manufacturing techniques of composites structures with prescribed electromagnetic loss, within the frequency range 1 to 26GHz, is presented. This method utilizes screen printing and nScrypt micro dispensing to pattern a carbon based ink onto low loss substrates. The materials chosen for this study will be presented, and the fabrication technique that these materials went through to create RF absorbing structures will be described. The calibration methods used, the modeling of the RF structures, and the applications in which this technology can be utilized will also be presented.

  8. Mechanics of additively manufactured biomaterials.

    Science.gov (United States)

    Zadpoor, Amir A

    2017-06-01

    Additive manufacturing (3D printing) has found many applications in healthcare including fabrication of biomaterials as well as bioprinting of tissues and organs. Additively manufactured (AM) biomaterials may possess arbitrarily complex micro-architectures that give rise to novel mechanical, physical, and biological properties. The mechanical behavior of such porous biomaterials including their quasi-static mechanical properties and fatigue resistance is not yet well understood. It is particularly important to understand the relationship between the designed micro-architecture (topology) and the resulting mechanical properties. The current special issue is dedicated to understanding the mechanical behavior of AM biomaterials. Although various types of AM biomaterials are represented in the special issue, the primary focus is on AM porous metallic biomaterials. As a prelude to this special issue, this editorial reviews some of the latest findings in the mechanical behavior of AM porous metallic biomaterials so as to describe the current state-of-the-art and set the stage for the other studies appearing in the issue. Some areas that are important for future research are also briefly mentioned. Copyright © 2017 Elsevier Ltd. All rights reserved.

  9. Additive versus multiplicative muon conservation

    International Nuclear Information System (INIS)

    Nemethy, P.

    1981-01-01

    Experimental elucidation of the question of muon conservation is reviewed. It is shown that neutral-current experiments have not yet yielded information about muonium-antimuonium conversion at the weak-interaction level and that all the charged-current experiments agree that there is no evidence for a multiplicative law. The best limits, from the muon-decay neutrino experiment at LAMPF and from the inverse muon-decay experiment in the CERN neutrino beam, definitely exclude multiplicative law schemes with a branching ratio R approximately 1/2. It is concluded that unless the dynamics conspire to make a multiplicative law with very small R it would appear that muon conservation obeys conserved additive lepton flavor law. (U.K.)

  10. An Additive Manufacturing Test Artifact

    Science.gov (United States)

    Moylan, Shawn; Slotwinski, John; Cooke, April; Jurrens, Kevin; Donmez, M Alkan

    2014-01-01

    A test artifact, intended for standardization, is proposed for the purpose of evaluating the performance of additive manufacturing (AM) systems. A thorough analysis of previously proposed AM test artifacts as well as experience with machining test artifacts have inspired the design of the proposed test artifact. This new artifact is designed to provide a characterization of the capabilities and limitations of an AM system, as well as to allow system improvement by linking specific errors measured in the test artifact to specific sources in the AM system. The proposed test artifact has been built in multiple materials using multiple AM technologies. The results of several of the builds are discussed, demonstrating how the measurement results can be used to characterize and improve a specific AM system. PMID:26601039

  11. Business models for additive manufacturing

    DEFF Research Database (Denmark)

    Hadar, Ronen; Bilberg, Arne; Bogers, Marcel

    2015-01-01

    Digital fabrication — including additive manufacturing (AM), rapid prototyping and 3D printing — has the potential to revolutionize the way in which products are produced and delivered to the customer. Therefore, it challenges companies to reinvent their business model — describing the logic...... of creating and capturing value. In this paper, we explore the implications that AM technologies have for manufacturing systems in the new business models that they enable. In particular, we consider how a consumer goods manufacturer can organize the operations of a more open business model when moving from...... a manufacturer-centric to a consumer-centric value logic. A major shift includes a move from centralized to decentralized supply chains, where consumer goods manufacturers can implement a “hybrid” approach with a focus on localization and accessibility or develop a fully personalized model where the consumer...

  12. Additive manufacturing with polypropylene microfibers.

    Science.gov (United States)

    Haigh, Jodie N; Dargaville, Tim R; Dalton, Paul D

    2017-08-01

    The additive manufacturing of small diameter polypropylene microfibers is described, achieved using a technique termed melt electrospinning writing. Sequential fiber layering, which is important for accurate three-dimensional fabrication, was achieved with the smallest fiber diameter of 16.4±0.2μm obtained. The collector speed, temperature and melt flow rate to the nozzle were optimized for quality and minimal fiber pulsing. Of particular importance to the success of this method is appropriate heating of the collector plate, so that the electrostatically drawn filament adheres during the direct-writing process. By demonstrating the direct-writing of polypropylene, new applications exploiting the favorable mechanical, stability and biocompatible properties of this polymer are envisaged. Copyright © 2017. Published by Elsevier B.V.

  13. Additivity of entropic uncertainty relations

    Directory of Open Access Journals (Sweden)

    René Schwonnek

    2018-03-01

    Full Text Available We consider the uncertainty between two pairs of local projective measurements performed on a multipartite system. We show that the optimal bound in any linear uncertainty relation, formulated in terms of the Shannon entropy, is additive. This directly implies, against naive intuition, that the minimal entropic uncertainty can always be realized by fully separable states. Hence, in contradiction to proposals by other authors, no entanglement witness can be constructed solely by comparing the attainable uncertainties of entangled and separable states. However, our result gives rise to a huge simplification for computing global uncertainty bounds as they now can be deduced from local ones. Furthermore, we provide the natural generalization of the Maassen and Uffink inequality for linear uncertainty relations with arbitrary positive coefficients.

  14. Additional Equipment for Soil Biodegradation

    Science.gov (United States)

    Vondráčková, Terezie; Kraus, Michal; Šál, Jiří

    2017-12-01

    Intensification of industrial production, increasing citizens’ living standards, expanding the consumer assortment mean in the production - consumption cycle a constantly increasing occurrence of waste material, which by its very nature must be considered as a source of useful raw materials in all branches of human activity. In addition to strict legislative requirements, a number of circumstances characterize waste management. It is mainly extensive transport associated with the handling and storage of large volumes of substances with a large assortment of materials (substances of all possible physical and chemical properties) and high demands on reliability and time coordination of follow-up processes. Considerable differences in transport distances, a large number of sources, processors and customers, and not least seasonal fluctuations in waste and strong price pressures cannot be overlooked. This highlights the importance of logistics in waste management. Soils that are contaminated with oil and petroleum products are hazardous industrial waste. Methods of industrial waste disposal are landfilling, biological processes, thermal processes and physical and chemical methods. The paper focuses on the possibilities of degradation of oil pollution, in particular biodegradation by bacteria, which is relatively low-cost among technologies. It is necessary to win the fight with time so that no ground water is contaminated. We have developed two additional devices to help reduce oil accident of smaller ranges. In the case of such an oil accident, it is necessary to carry out the permeability test of contaminated soil in time and, on this basis, to choose the technology appropriate to the accident - either in-sit biodegradation - at the site of the accident, or on-sit - to remove the soil and biodegrade it on the designated deposits. A special injection drill was developed for in-sit biodegradation, tossing and aeration equipment of the extracted soil was developed for

  15. 30 CFR 816.181 - Support facilities.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Support facilities. 816.181 Section 816.181... § 816.181 Support facilities. (a) Support facilities shall be operated in accordance with a permit... results. (b) In addition to the other provisions of this part, support facilities shall be located...

  16. 30 CFR 817.181 - Support facilities.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Support facilities. 817.181 Section 817.181... ACTIVITIES § 817.181 Support facilities. (a) Support facilities shall be operated in accordance with a permit.... (b) In addition to the other provisions of this part, support facilities shall be located, maintained...

  17. Incommensurate crystallography without additional dimensions.

    Science.gov (United States)

    Kocian, Philippe

    2013-07-01

    It is shown that the Euclidean group of translations, when treated as a Lie group, generates translations not only in Euclidean space but on any space, curved or not. Translations are then not necessarily vectors (straight lines); they can be any curve compatible with the parameterization of the considered space. In particular, attention is drawn to the fact that one and only one finite and free module of the Lie algebra of the group of translations can generate both modulated and non-modulated lattices, the modulated character being given only by the parameterization of the space in which the lattice is generated. Moreover, it is shown that the diffraction pattern of a structure is directly linked to the action of that free and finite module. In the Fourier transform of a whole structure, the Fourier transform of the electron density of one unit cell (i.e. the structure factor) appears concretely, whether the structure is modulated or not. Thus, there exists a neat separation: the geometrical aspect on the one hand and the action of the group on the other, without requiring additional dimensions.

  18. Sustainability Characterization for Additive Manufacturing.

    Science.gov (United States)

    Mani, Mahesh; Lyons, Kevin W; Gupta, S K

    2014-01-01

    Additive manufacturing (AM) has the potential to create geometrically complex parts that require a high degree of customization, using less material and producing less waste. Recent studies have shown that AM can be an economically viable option for use by the industry, yet there are some inherent challenges associated with AM for wider acceptance. The lack of standards in AM impedes its use for parts production since industries primarily depend on established standards in processes and material selection to ensure the consistency and quality. Inability to compare AM performance against traditional manufacturing methods can be a barrier for implementing AM processes. AM process sustainability has become a driver due to growing environmental concerns for manufacturing. This has reinforced the importance to understand and characterize AM processes for sustainability. Process characterization for sustainability will help close the gaps for comparing AM performance to traditional manufacturing methods. Based on a literature review, this paper first examines the potential environmental impacts of AM. A methodology for sustainability characterization of AM is then proposed to serve as a resource for the community to benchmark AM processes for sustainability. Next, research perspectives are discussed along with relevant standardization efforts.

  19. Dynamics of ultrasonic additive manufacturing.

    Science.gov (United States)

    Hehr, Adam; Dapino, Marcelo J

    2017-01-01

    Ultrasonic additive manufacturing (UAM) is a solid-state technology for joining similar and dissimilar metal foils near room temperature by scrubbing them together with ultrasonic vibrations under pressure. Structural dynamics of the welding assembly and work piece influence how energy is transferred during the process and ultimately, part quality. To understand the effect of structural dynamics during UAM, a linear time-invariant model is proposed to relate the inputs of shear force and electric current to resultant welder velocity and voltage. Measured frequency response and operating performance of the welder under no load is used to identify model parameters. Using this model and in-situ measurements, shear force and welder efficiency are estimated to be near 2000N and 80% when welding Al 6061-H18 weld foil, respectively. Shear force and welder efficiency have never been estimated before in UAM. The influence of processing conditions, i.e., welder amplitude, normal force, and weld speed, on shear force and welder efficiency are investigated. Welder velocity was found to strongly influence the shear force magnitude and efficiency while normal force and weld speed showed little to no influence. The proposed model is used to describe high frequency harmonic content in the velocity response of the welder during welding operations and coupling of the UAM build with the welder. Copyright © 2016 Elsevier B.V. All rights reserved.

  20. Dimensionless numbers in additive manufacturing

    Science.gov (United States)

    Mukherjee, T.; Manvatkar, V.; De, A.; DebRoy, T.

    2017-02-01

    The effects of many process variables and alloy properties on the structure and properties of additively manufactured parts are examined using four dimensionless numbers. The structure and properties of components made from 316 Stainless steel, Ti-6Al-4V, and Inconel 718 powders for various dimensionless heat inputs, Peclet numbers, Marangoni numbers, and Fourier numbers are studied. Temperature fields, cooling rates, solidification parameters, lack of fusion defects, and thermal strains are examined using a well-tested three-dimensional transient heat transfer and fluid flow model. The results show that lack of fusion defects in the fabricated parts can be minimized by strengthening interlayer bonding using high values of dimensionless heat input. The formation of harmful intermetallics such as laves phases in Inconel 718 can be suppressed using low heat input that results in a small molten pool, a steep temperature gradient, and a fast cooling rate. Improved interlayer bonding can be achieved at high Marangoni numbers, which results in vigorous circulation of liquid metal, larger pool dimensions, and greater depth of penetration. A high Fourier number ensures rapid cooling, low thermal distortion, and a high ratio of temperature gradient to the solidification growth rate with a greater tendency of plane front solidification.

  1. Additive manufacturing techniques and their biomedical applications

    Directory of Open Access Journals (Sweden)

    Yujing Liu

    2017-12-01

    Full Text Available Additive manufacturing (AM, also known as three-dimensional (3D printing, is gaining increasing attention in medical fields, especially in dental and implant areas. Because AM technologies have many advantages in comparison with traditional technologies, such as the ability to manufacture patient-specific complex components, high material utilization, support of tissue growth, and a unique customized service for individual patients, AM is considered to have a large potential market in medical fields. This brief review presents the recent progress of 3D-printed biomedical materials for bone applications, mainly for metallic materials, including multifunctional alloys with high strength and low Young’s modulus, shape memory alloys, and their 3D fabrication by AM technologies. It describes the potential of 3D printing techniques in precision medicine and community health.

  2. Measures of Patient Activation and Social Support in a Peer-Led Support Network for Women With Cardiovascular Disease.

    Science.gov (United States)

    Witt, Dawn; Benson, Gretchen; Campbell, Susan; Sillah, Arthur; Berra, Kathy

    Social support has been associated with beneficial effects on many disease states and overall health and well-being. However, there is limited research exploring the impact of peer-led support models among women living with coronary heart disease. This study describes the structure of peer-led support groups offered by WomenHeart (WH): The National Coalition for Women Living with Heart Disease, and assesses WH participants' quality of life and social, emotional, and physical health. Participants were recruited from 50 WH groups. A 70-item online survey was administered, and the main analytic sample included 157 women. Multivariate logistic regression was used to examine the association between patient activation levels (lower activation levels: 1, 2 vs higher activation levels: 3, 4) and social support scores (range: lowest 8 to highest 34), adjusting for age. High levels of social support, patient activation, physical activity, and low levels of stress, anxiety, and depression were reported. Those who were at or above the median for the social support measures (indicating high levels of social support) had greater odds of high levels of patient activation (level 3 or 4) than individuals reporting low levels of social support (OR = 2.23; 95% CI, 1.04-4.76; P = .012). Women who regularly attended a support group by a trained peer leader were highly engaged in their health care and had low levels of stress, anxiety, and depression. These findings lend credibility to the value of the peer support model and could potentially be replicated in other disease states to enhance patient care.

  3. Additive Manufacturing of Fuel Injectors

    Energy Technology Data Exchange (ETDEWEB)

    Sadek Tadros, Dr. Alber Alphonse [Edison Welding Institute, Inc., Columbus, OH (United States); Ritter, Dr. George W. [Edison Welding Institute, Inc., Columbus, OH (United States); Drews, Charles Donald [Edison Welding Institute, Inc., Columbus, OH (United States); Ryan, Daniel [Solar Turbines Inc., San Diego, CA (United States)

    2017-10-24

    Additive manufacturing (AM), also known as 3D-printing, has been shifting from a novelty prototyping paradigm to a legitimate manufacturing tool capable of creating components for highly complex engineered products. An emerging AM technology for producing metal parts is the laser powder bed fusion (L-PBF) process; however, industry manufacturing specifications and component design practices for L-PBF have not yet been established. Solar Turbines Incorporated (Solar), an industrial gas turbine manufacturer, has been evaluating AM technology for development and production applications with the desire to enable accelerated product development cycle times, overall turbine efficiency improvements, and supply chain flexibility relative to conventional manufacturing processes (casting, brazing, welding). Accordingly, Solar teamed with EWI on a joint two-and-a-half-year project with the goal of developing a production L-PBF AM process capable of consistently producing high-nickel alloy material suitable for high temperature gas turbine engine fuel injector components. The project plan tasks were designed to understand the interaction of the process variables and their combined impact on the resultant AM material quality. The composition of the high-nickel alloy powders selected for this program met the conventional cast Hastelloy X compositional limits and were commercially available in different particle size distributions (PSD) from two suppliers. Solar produced all the test articles and both EWI and Solar shared responsibility for analyzing them. The effects of powder metal input stock, laser parameters, heat treatments, and post-finishing methods were evaluated. This process knowledge was then used to generate tensile, fatigue, and creep material properties data curves suitable for component design activities. The key process controls for ensuring consistent material properties were documented in AM powder and process specifications. The basic components of the project

  4. Preparation of additional supplies of 244Pu

    International Nuclear Information System (INIS)

    Bigelow, J.E.; Newman, E.; Alexander, C.W.

    1985-01-01

    In the mid-1970s, gram quantities of the man-made isotope 244 Pu were produced in high purity for basic research as a by-product of a program to prepare gram quantities of 252 Cf. Because 244 Pu is not produced in appreciable quantities in standard power reactor fuel, this nuclide has become extremely useful in the application of isotope dilution mass spectrometry (IDMS), a high-precision analytical technique, to problems of plutonium accountability in support of international safeguards agreements. Although only a small amount (a fraction of a microgram) is needed for each analysis, the present supply of certified nuclear reference standard SRM-996 is expected to last only an additional 3 to 5 years. Three options for producing additional supplies of this rare and valuable material were examined. The options encompassed the production of from 1 to 8.5 g during time spans of from 3 to 10 years. Unit costs ranged from $2300 to $7200 per mg of plutonium of >97% 244 Pu. While the paper concludes that the short-term option can be pursued along with further study of the longer-term options, this should not be regarded as an offer or a commitment on the part of the US Department of Energy (USDOE) to furnish the described material

  5. Preparation of additional supplies of 244Pu

    International Nuclear Information System (INIS)

    Bigelow, J.E.; Newman, E.; Alexander, C.W.

    1985-01-01

    In the mid-1970s, gram quantities of the man-made isotope 244 Pu were produced in high purity for basic research as a by-product of a program to prepare gram quantities of 252 Cf. Because 244 Pu is not produced in appreciable quantities in standard power reactor fuel, this nuclide has become extremely useful in the application of isotope dilution mass spectrometry (IDMS), a high-precision analytical technique, to problems of plutonium accountability in support of international safeguards agreements. Although only a small amount (a fraction of a microgram) is needed for each analysis, the present supply of certified nuclear reference standard SRM-996 is expected to last only an additional 3 to 5 years. Three options for producing additional supplies of this rare and valuable material were examined. The options encompassed the production of from 1 to 8.5 g during time spans of from 3 to 10 years. Unit costs ranged from $2300 to $7200 per mg of plutonium of >97% 244 Pu. While the paper concludes that the short-term option can be pursued along with further study of the longer-term options, this should not be regarded as an offer or a commitment on the part of the U.S. Department of Energy (USDOE) to furnish the described material. (author)

  6. Mechanical properties of additively manufactured octagonal honeycombs

    Energy Technology Data Exchange (ETDEWEB)

    Hedayati, R., E-mail: rezahedayati@gmail.com [Department of Mechanical Engineering, Amirkabir University of Technology (Tehran Polytechnic), Hafez Ave, Tehran (Iran, Islamic Republic of); Department of Biomechanical Engineering, Faculty of Mechanical, Maritime, and Materials Engineering, Delft University of Technology (TU Delft), Mekelweg 2, 2628 CD Delft (Netherlands); Sadighi, M.; Mohammadi-Aghdam, M. [Department of Mechanical Engineering, Amirkabir University of Technology (Tehran Polytechnic), Hafez Ave, Tehran (Iran, Islamic Republic of); Zadpoor, A.A. [Department of Biomechanical Engineering, Faculty of Mechanical, Maritime, and Materials Engineering, Delft University of Technology (TU Delft), Mekelweg 2, 2628 CD Delft (Netherlands)

    2016-12-01

    Honeycomb structures have found numerous applications as structural and biomedical materials due to their favourable properties such as low weight, high stiffness, and porosity. Application of additive manufacturing and 3D printing techniques allows for manufacturing of honeycombs with arbitrary shape and wall thickness, opening the way for optimizing the mechanical and physical properties for specific applications. In this study, the mechanical properties of honeycomb structures with a new geometry, called octagonal honeycomb, were investigated using analytical, numerical, and experimental approaches. An additive manufacturing technique, namely fused deposition modelling, was used to fabricate the honeycomb from polylactic acid (PLA). The honeycombs structures were then mechanically tested under compression and the mechanical properties of the structures were determined. In addition, the Euler-Bernoulli and Timoshenko beam theories were used for deriving analytical relationships for elastic modulus, yield stress, Poisson's ratio, and buckling stress of this new design of honeycomb structures. Finite element models were also created to analyse the mechanical behaviour of the honeycombs computationally. The analytical solutions obtained using Timoshenko beam theory were close to computational results in terms of elastic modulus, Poisson's ratio and yield stress, especially for relative densities smaller than 25%. The analytical solutions based on the Timoshenko analytical solution and the computational results were in good agreement with experimental observations. Finally, the elastic properties of the proposed honeycomb structure were compared to those of other honeycomb structures such as square, triangular, hexagonal, mixed, diamond, and Kagome. The octagonal honeycomb showed yield stress and elastic modulus values very close to those of regular hexagonal honeycombs and lower than the other considered honeycombs. - Highlights: • The octagonal

  7. Starship Life Support

    Science.gov (United States)

    Jones, Harry W.

    2009-01-01

    The design and mass cost of a starship and its life support system are investigated. The mission plan for a multi generational interstellar voyage to colonize a new planet is used to describe the starship design, including the crew habitat, accommodations, and life support. Only current technology is assumed. Highly reliable life support systems can be provided with reasonably small additional mass, suggesting that they can support long duration missions. Bioregenerative life support, growing crop plants that provide food, water, and oxygen, has been thought to need less mass than providing stored food for long duration missions. The large initial mass of hydroponics systems is paid for over time by saving the mass of stored food. However, the yearly logistics mass required to support a bioregenerative system exceeds the mass of food solids it produces, so that supplying stored dehydrated food always requires less mass than bioregenerative food production. A mixed system that grows about half the food and supplies the other half dehydrated has advantages that allow it to breakeven with stored dehydrated food in about 66 years. However, moderate increases in the hydroponics system mass to achieve high reliability, such as adding spares that double the system mass and replacing the initial system every 100 years, increase the mass cost of bioregenerative life support. In this case, the high reliability half food growing, half food supplying system does not breakeven for 389 years. An even higher reliability half and half system, with three times original system mass and replacing the system every 50 years, never breaks even. Growing food for starship life support requires more mass than providing dehydrated food, even for multigeneration voyages of hundreds of years. The benefits of growing some food may justify the added mass cost. Much more efficient recycling food production is wanted but may not be possible. A single multigenerational interstellar voyage to

  8. The Impact of Online Additional Reviews on Consumer's Purchase Process

    OpenAIRE

    Tiantian Shen; Qi Dai; Ran Wang; Qinglong Gou

    2015-01-01

    As the supplement of buyers' original reviews on products, online additional reviews were supported by some B2C websites recently. That is to say, consumers could post their recommendations or comments again in several months. This paper attempts to measure the impacts of additional reviews on consumers, as well as to investigate whether they are different from those of original ones. Our results not only indicate that purchasing intention, attitude certainty and after-sales service have sign...

  9. O uso da sorologia como ferramenta adicional no apoio ao diagnóstico de casos difíceis de hanseníase multibacilar: lições de uma unidade de referência The use of serology as an additional tool to support diagnosis of difficult multibacillary leprosy cases: lessons from clinical care

    Directory of Open Access Journals (Sweden)

    Maria Leide W. Oliveira

    2008-01-01

    Full Text Available Sete casos de hanseníase multibacilar (MB e dois casos com suspeição de hanseníase atendidos em situações distintas do atendimento clínico-dermatológico na Universidade Federal do Rio de Janeiro são descritos. Todos apresentaram dificuldades no diagnóstico visto que não tinham sinais e sintomas cardinais da hanseníase. Um teste sorológico utilizado como ferramenta auxiliar foi útil no processo de diagnóstico ou exclusão de cada caso e facilitou as discussões acadêmicas na hora do exame clínico. A sorologia e baciloscopia de linfa são consideradas como os únicos instrumentos rápidos e de baixo custo para a confirmação de casos MB atípicos, e as vantagens e desvantagens de cada exame são discutidas. Ambos os testes complementam o processo diagnóstico e classificação dos casos para fins terapêuticos. A vantagem da baciloscopia está na sua capacidade de confirmação do diagnóstico. As vantagens da sorologia são: (a sua aplicabilidade para uso direto por profissionais de saúde no momento da consulta, visto que os resultados são imediatos, (b a possibilidade da participação dos pacientes no processo, e (c oferece uma oportunidade para melhor ensino da patogênese da hanseníase.Seven multibacillary leprosy and two suspected cases assisted in different situations during clinical care activities at the university in Rio de Janeiro city are described. All cases presented some difficulties for diagnosis, since they evolved with few or no cardinal signs or symptoms of leprosy. A serological test used as an auxiliary tool was helpful in the diagnosis or exclusion procedure of each case, facilitating academic discussions at the time of case examination. Considering serology and bacilloscopy (skin smear as the only rapid and relatively cheap available tests for confirmation of atypical MB leprosy, the advantages and disadvantages of their use were discussed. Both tests support the diagnostic procedure and the

  10. Supported Housing and Supported Independent Living in the Netherlands, with a Comparison with England

    NARCIS (Netherlands)

    de Heer-Wunderink, Charlotte; Visser, Ellen; Caro-Nienhuis, Annemarie; Sytema, Sjoerd; Wiersma, Durk

    Research into community housing programs for people with severe mental illness is underexposed. The Dutch UTOPIA study describes characteristics of their service users, which may predict their allocation to either supported housing or supported independent living programs. Additionally, a comparison

  11. Support for New Physics Teachers

    Science.gov (United States)

    Adrian, Brian W.; Zollman, D.; Stevens, S.

    2006-12-01

    Teachers of physics can often lack the type of support they desperately need. The Physics Teaching Web Advisory (Pathway) is a dynamic digital library for physics teaching that is designed to offer such support. Carnegie Mellon University’s synthetic interview technology provides the foundation for a system that allows physics teachers to ask questions of a virtual mentor and get video responses. A log of the questions asked of our system provides a rich database of information about just what types of support teachers are requesting. This talk will present a summary of the common types of questions teachers ask. Such information is valuable as we design support systems for physics teachers, both new and experienced. In addition, recent progress and developments will be discussed. Supported by NSF grant numbers DUE-0226157, DUE-0226219, ESI-0455772 & ESI-0455813

  12. Applications of Metal Additive Manufacturing in Veterinary Orthopedic Surgery

    Science.gov (United States)

    Harrysson, Ola L. A.; Marcellin-Little, Denis J.; Horn, Timothy J.

    2015-03-01

    Veterinary medicine has undergone a rapid increase in specialization over the last three decades. Veterinarians now routinely perform joint replacement, neurosurgery, limb-sparing surgery, interventional radiology, radiation therapy, and other complex medical procedures. Many procedures involve advanced imaging and surgical planning. Evidence-based medicine has also become part of the modus operandi of veterinary clinicians. Modeling and additive manufacturing can provide individualized or customized therapeutic solutions to support the management of companion animals with complex medical problems. The use of metal additive manufacturing is increasing in veterinary orthopedic surgery. This review describes and discusses current and potential applications of metal additive manufacturing in veterinary orthopedic surgery.

  13. Group Decision Process Support

    DEFF Research Database (Denmark)

    Gøtze, John; Hijikata, Masao

    1997-01-01

    Introducing the notion of Group Decision Process Support Systems (GDPSS) to traditional decision-support theorists.......Introducing the notion of Group Decision Process Support Systems (GDPSS) to traditional decision-support theorists....

  14. Pathwise duals of monotone and additive Markov processes

    Czech Academy of Sciences Publication Activity Database

    Sturm, A.; Swart, Jan M.

    -, - (2018) ISSN 0894-9840 R&D Projects: GA ČR GAP201/12/2613 Institutional support: RVO:67985556 Keywords : pathwise duality * monotone Markov process * additive Markov process * interacting particle system Subject RIV: BA - General Mathematics Impact factor: 0.854, year: 2016 http://library.utia.cas.cz/separaty/2016/SI/swart-0465436.pdf

  15. Feed additives : annual report 2010 of the National Reference Laboratory

    NARCIS (Netherlands)

    Driessen, J.J.M.; Beek, W.M.J.; Jong, de J.

    2011-01-01

    This report of the National Reference Laboratory (NRL) for feed additives describes the activties employed in 2010. The main tasks of the NRL are: giving assistance to the European Union Reference Laboratort (EU-RL) on their request and advice and support the competent authority, the Dutch Ministry

  16. Fluid Mechanics Of Molten Metal Droplets In Additive Manufacturing

    Czech Academy of Sciences Publication Activity Database

    Tesař, Václav; Šonský, Jiří

    2016-01-01

    Roč. 4, č. 4 (2016), s. 403-412 ISSN 2046-0546 R&D Projects: GA ČR GA13-23046S Institutional support: RVO:61388998 Keywords : additive manufacturing * droplets * molten metal Subject RIV: BK - Fluid Dynamics http://www.witpress.com/elibrary/cmem-volumes/4/4/1545

  17. Rational design of cement composites containing pozzolanic additions

    Czech Academy of Sciences Publication Activity Database

    Keppert, M.; Urbanová, Martina; Brus, Jiří; Čáchová, M.; Fořt, J.; Trník, A.; Scheinherrová, L.; Záleská, M.; Černý, R.

    2017-01-01

    Roč. 148, 1 September (2017), s. 411-418 ISSN 0950-0618 R&D Projects: GA ČR(CZ) GA16-13778S Institutional support: RVO:61389013 Keywords : cement composites * pozzolanic additions * XRD analysis Subject RIV: JN - Civil Engineering OBOR OECD: Civil engineering Impact factor: 3.169, year: 2016

  18. On additive preservers of semi-Browder operators

    Czech Academy of Sciences Publication Activity Database

    Mbekhta, M.; Müller, Vladimír; Oudghiri, M.

    2014-01-01

    Roč. 59, č. 2 (2014), s. 237-244 ISSN 0035-3965 R&D Projects: GA ČR GA201/09/0473; GA AV ČR IAA100190903 Institutional support: RVO:67985840 Keywords : additive preservers * semi-Browder operators Subject RIV: BA - General Mathematics http://imar.ro/journals/Revue_Mathematique/pdfs/2014/2/6.pdf

  19. Feed additives : annual report 2011 of the National Reference Laboratory

    NARCIS (Netherlands)

    Driessen, J.J.M.; Beek, W.M.J.; Jong, de J.

    2012-01-01

    This report describes the activities employed by RIKILT regarding the functions as: - the National Reference Laboratory (NRL) for feed additives; - advice regarding temporary use exemptions, other advice and support of EL&I. This report also presents the activities by the NRL to keep up

  20. Diethyl Fluoronitromethylphosphonate: Synthesis and Application in Nucleophilic Fluoroalkyl Additions

    Czech Academy of Sciences Publication Activity Database

    Opekar, Stanislav; Pohl, Radek; Beran, Pavel; Rulíšek, Lubomír; Beier, Petr

    2014-01-01

    Roč. 20, č. 5 (2014), s. 1453-1458 ISSN 0947-6539 R&D Projects: GA ČR GP203/08/P310 Institutional support: RVO:61388963 Keywords : C1 building blocks * fluorine * nucleophilic addition * phosphanes * synthetic methods Subject RIV: CC - Organic Chemistry Impact factor: 5.731, year: 2014

  1. Thermal paint production: the techno-economic evaluation of muscovite as insulating additive.

    Directory of Open Access Journals (Sweden)

    Gabriela Fernandes Ribas

    2016-09-01

    Full Text Available Muscovite is known by its thermal and electrical insulating properties. Based on this, it was hypothesized that its addition on paints should increase the thermal resistance. The use of muscovite as mineral insulating is pointed out as advantageous due to its low cost compared to other materials used for this purpose, such as the ceramic microsphere. The use of a low cost material could open the access to the medium and low income families, implying two aspects: the life quality increase by thermal comfort and the increase of energy saving. Thus, this part of the population could open a new market to thermal paints. Aiming to contribute to this issue, this work evaluated the thermal insulation performance of commercial paints containing muscovite additions and determined the economic evaluation for its industrial production. The thermal paint was formulated by adding 10%, 20% and 40% of muscovite to the commercial paint. This was applied on steel reinforced mortar boards. Thermal insulation tests were carried out in bench scale using an adapted box. The economic evaluation of the industrial production of muscovite-based thermal paint was conducted, considering the Brazilian economic market in this activity. The results showed its ability as an insulating agent due to a reduction of 0.667 °C/mm board by the addition of 40% muscovite. The economic analysis also demonstrated the feasibility of the thermal paint industrial production. The payback is favorable to 5 years when compared to the Selic short-term lending rate, with 21.53% of internal rate return and a net present value of US$ 15,085.76.

  2. Characterization of tube support alloys

    International Nuclear Information System (INIS)

    Vaia, A.R.

    1985-01-01

    The involvement and relationship of carbon steel corrosion products in the tube denting phenomenon promoted an intensive research effort to: 1) understand, reproduce, and arrest the denting process, and 2) evaluate alternative tube support materials to provide additional corrosion resistance. The paper summarizes a corrosion testing program for the verification of type 405 stainless steel under acid or all volatile treatment conditions

  3. Technology support for participatory budgeting

    DEFF Research Database (Denmark)

    Rose, Jeremy; Rios, Jesus; Lippa, Barbara

    2010-01-01

    Participatory budgeting is a reasonably well-established governance practice, particularly in South America. It is information and communication rich - making it well suited for modern technology support; in addition, the widespread participation of many citizens is difficult to achieve without...

  4. Comparing Civilian Support for Terrorism

    Directory of Open Access Journals (Sweden)

    Srobana Bhattacharya

    2017-06-01

    Full Text Available Terrorism is an extreme form of political violence, that is inherently abhorrent in nature. Yet, it continues to attain enough support to continue and survive. The recent proliferation of Islamic State and its ever increasing domestic and international civilian support base urges immediate attention to this question. While most research holds that provision of public goods by terrorist groups is the primary cause for high levels of civilian support, I argue that, terrorist groups are more interested in resource extraction rather than resource provision. Additionally, these studies pay scant attention to existing resource structure, especially territorial and political control to explain terrorist-civilian interaction. This paper emphasizes the bi-directional nature of this interaction – a. perception of civilians by the terrorist group and b. terrorist group’s perception of the civilians. To analyze levels of civilian support for terrorism, I compare fifteen terrorist groups using qualitative comparative analysis and show how territory, political competition, ethnicity, target selection and organizational structure combine to explain conditions that lead terrorist groups to include or exclude civilian population for support. Based on the variance in support networks of terrorist groups, counter-terrorism policies should also differ. High civilian support indicates the need to use non-military methods to decrease the appeal of terrorist groups. However, terrorist groups with more diffused and multiple support structures need more collaborative and coercive measures to intercept all the possible links to the main group.

  5. Lending a helping hand, screening chemical libraries for compounds that enhance β-hexosaminidase A activity in GM2 gangliosidosis cells

    Science.gov (United States)

    Tropak, Michael B.; Mahuran, Don

    2010-01-01

    Enzyme enhancement therapy is an emerging therapeutic approach that has the potential to treat many genetic diseases. Candidate diseases are those associated with a mutant protein that has difficulty folding and/or assembling into active oligomers in the endoplasmic reticulum. Many lysosomal storage diseases are candidates for enzyme enhancement therapy and have the additional advantage of requiring only 5–10% of normal enzyme levels to reduce and/or prevent substrate accumulation. Our long experience in working with the β-hexosaminidase (EC 3.2.1.52) isozymes system and its associated deficiencies (Tay-Sachs and Sandhoff disease) lead us to search for possible enzyme enhancement therapy-agents that could treat the chronic forms of these diseases which express 2–5% residual activity. Pharmacological chaperones are enzyme enhancement therapy-agents that are competitive inhibitors of the target enzyme. Each of the known β-hexosaminidase inhibitors (low μM IC50) increased mutant enzyme levels to ≥ 10% in chronic Tay-Sachs fibroblasts and also attenuated the thermo-denaturation of β-hexosaminidase. To expand the repertoire of pharmacological chaperones to more ‘drug-like’ compounds, we screened the Maybridge library of 50 000 compounds using a real-time assay for non-carbohydrate-based β-hexosaminidase inhibitors and identified several that functioned as pharmacological chaperones in patient cells. Two of these inhibitors had derivatives that had been tested in humans for other purposes. These observations lead us to screen the NINDS library of 1040 Food and Drug Administration approved compounds for pharmacological chaperones. Pyrimethamine, an antimalarial drug with well documented pharmacokinetics, was confirmed as a β-hexosaminidase pharmacological chaperone and compared favorably with our best carbohydrate-based pharmacological chaperone in patient cells with various mutant genotypes. PMID:17894780

  6. Examination of bariatric surgery Facebook support groups: a content analysis.

    Science.gov (United States)

    Koball, Afton M; Jester, Dylan J; Domoff, Sarah E; Kallies, Kara J; Grothe, Karen B; Kothari, Shanu N

    2017-08-01

    Support following bariatric surgery is vital to ensure long-term postoperative success. Many individuals undergoing bariatric surgery are turning to online modalities, especially the popular social media platform Facebook, to access support groups and pages. Despite evidence suggesting that the majority of patients considering bariatric surgery are utilizing online groups, little is known about the actual content of these groups. The purpose of the present study was to conduct a content analysis of bariatric surgery support groups and pages on Facebook. Online via Facebook, independent academic medical center, United States. Data from bariatric surgery-related Facebook support groups and pages were extracted over a 1-month period in 2016. Salient content themes (e.g., progress posts, depression content, eating behaviors) were coded reliably (all κ> .70). More than 6,800 posts and replies were coded. Results indicated that seeking recommendations (11%), providing information or recommendations (53%), commenting on changes since surgery (19%), and lending support to other members (32%) were the most common types of posts. Content surrounding anxiety, eating behaviors, depression, body image, weight bias, and alcohol was found less frequently. Online bariatric surgery groups can be used to receive support, celebrate physical and emotional accomplishments, provide anecdotal accounts of the "bariatric lifestyle" for preoperative patients, and comment on challenges with mental health and experiences of weight bias. Providers should become acquainted with the content commonly found in online groups and exercise caution in recommending these platforms to information-seeking patients. Copyright © 2017 American Society for Bariatric Surgery. Published by Elsevier Inc. All rights reserved.

  7. Oxidation catalysts on alkaline earth supports

    Science.gov (United States)

    Mohajeri, Nahid

    2017-03-21

    An oxidation catalyst includes a support including particles of an alkaline earth salt, and first particles including a palladium compound on the support. The oxidation catalyst can also include precious metal group (PMG) metal particles in addition to the first particles intermixed together on the support. A gas permeable polymer that provides a continuous phase can completely encapsulate the particles and the support. The oxidation catalyst may be used as a gas sensor, where the first particles are chemochromic particles.

  8. Septic tank additive impacts on microbial populations.

    Science.gov (United States)

    Pradhan, S; Hoover, M T; Clark, G H; Gumpertz, M; Wollum, A G; Cobb, C; Strock, J

    2008-01-01

    Environmental health specialists, other onsite wastewater professionals, scientists, and homeowners have questioned the effectiveness of septic tank additives. This paper describes an independent, third-party, field scale, research study of the effects of three liquid bacterial septic tank additives and a control (no additive) on septic tank microbial populations. Microbial populations were measured quarterly in a field study for 12 months in 48 full-size, functioning septic tanks. Bacterial populations in the 48 septic tanks were statistically analyzed with a mixed linear model. Additive effects were assessed for three septic tank maintenance levels (low, intermediate, and high). Dunnett's t-test for tank bacteria (alpha = .05) indicated that none of the treatments were significantly different, overall, from the control at the statistical level tested. In addition, the additives had no significant effects on septic tank bacterial populations at any of the septic tank maintenance levels. Additional controlled, field-based research iswarranted, however, to address additional additives and experimental conditions.

  9. Grassland Soil Carbon Responses to Nitrogen Additions

    Science.gov (United States)

    Hofmockel, K. S.; Tfailly, M.; Callister, S.; Bramer, L.; Thompson, A.

    2017-12-01

    Using a long-term continental scale experiment, we tested if increases in nitrogen (N) inputs augment the accumulation of plant and microbial residues onto mineral soil surfaces. This research investigates N effects on molecular biogeochemistry across six sites from the Nutrient Network (NutNet) experiment. The coupling between concurrently changing carbon (C) and N cycles remains a key uncertainty in understanding feedbacks between the terrestrial C cycle and climate change. Existing models do not consider the full suite of linked C-N processes, particularly belowground, that could drive future C-climate feedbacks. Soil harbors a wealth of diverse organic molecules, most of which have not been measured in hypothesis driven field research. For the first time we systematically assess the chemical composition of soil organic matter (SOM) and functional characteristics of the soil microbiome, to enhance our understanding of the molecular underpinnings of ecosystem C and N cycling. We have acquired soils from 5 ecosystem experiments across the US that have been subjected to 8 years of N addition treatments. These soils have been analyzed for chemical composition to identify how the soil fertility and stability is altered by N fertilization. We found distinct SOM signatures from our field experiments and shifts in soil chemistry in response to 8 years of N fertilization. Across all sites, we found the molecular composition of SOM varied with clay content, supporting the importance of soil mineralogy in the accumulation of specific chemical classes of SOM. While many molecules were common across sites, we discovered a suite of molecules that were site specific. N fertilization had a significant effect on SOM composition. Differences between control and N amended plots were greater in sites rich in lipids and more complex molecules, compared to sites with SOM rich in amino-sugar and protein like substances. Our results have important implications for how SOM is

  10. A support shield for a powered support

    Energy Technology Data Exchange (ETDEWEB)

    Korczynski, P; Rojicek, P

    1982-08-31

    The subject of this invention is a support shield for a powered support. This shield resists creep of the coal from the longwall face, including an inclined longwall. It involves an arrangement wherein the distributor hinge is separated into upper and lower sections. The lower section holds a second hinge and the end of the rod of the pressure cylinder, one end of which is connected to the roof support. An advantage of the support is that compared to existing supports, it is self-advancing and holds stopes with coal which slopes in its formation or has inrushes. To a certain degree it prevents the stope space from ejecting fine pieces of rock from the longwall roof using an inter-timber support between the powered support and the stope. The support shield is moved by a simple system of levers which makes it possible, using a pressurized cylinder, to transmit a significant force to the coal stope. In this case, when the coal inrushes exceed the designed capabilities of the shield, a wooden extension piece is placed between the support and the face, through which the support pressure is applied.

  11. Exploring the utility of the additional WorldView-2 bands and support ...

    African Journals Online (AJOL)

    land cover (LULC) is a fundamental variable that influences and links with many parts .... The subtropical climate dominating the study area has warm moist ... A cloud-free WV-2 multispectral image covering the study area was acquired on the 1st.

  12. Supporting First Grade Students’ Understanding of Addition up to 20 Using Traditional Game

    Directory of Open Access Journals (Sweden)

    Farida Nursyahidah

    2013-07-01

    Full Text Available This research aim is to know the students’ understanding in addingnumber up to 20 using traditional game of dakocan and to acquirelearning trajectory of adding number up to 20 using traditional game of dakocan for the first grade of primary school. This research usedmethodology of design research that consists of three phases, there are preliminary design, teaching experiment, and retrospective analysis. Subject of this study is 33 first grade students of Sekolah Dasar Negeri (SDN 98 Palembang as one of partners’ school of Pendidikan Matematika Realistik Indonesia (PMRI. The result of this research shows that the students’ understanding in adding number up to 20 can be stimulated by using traditional game of dakocan as a context. All of strategies and model that is used by students and also their result discussion shows how construction and contribution of students can help them to understand concept of adding number up to 20. All the activities that are done by students produce learning trajectory to gain the goal of learning. Each steps of learning trajectory of students has an important role in understanding the concept from informal to the formal level. Learning trajectory using dakocan that is produced consist of playing dakocan, put the model of dakocan to the frame ten dakomatika to understand the relation of part and whole of ten combination in adding number, and solving contextual problem in adding number up to 20.

  13. Stabilization of supported platinum nanoparticles on gamma-alumina catalysts by addition of tungsten

    Energy Technology Data Exchange (ETDEWEB)

    Contreras, Jose L., E-mail: jlcl@correo.azc.uam.m [Universidad Autonoma Metropolitana-Azcapotzalco. Energia, CBI, Av. Sn. Pablo 180, Col. Reynosa, 02200, Mexico, D.F. (Mexico); Universidad Autonoma Metropolitana-Iztapalapa Depto. Ingenieria de Procesos e Hidraulica, A.P. 55-534, 09340 Mexico, D.F. (Mexico); Fuentes, Gustavo A. [Universidad Autonoma Metropolitana-Iztapalapa Depto. Ingenieria de Procesos e Hidraulica, A.P. 55-534, 09340 Mexico, D.F. (Mexico); Zeifert, Beatriz; Salmones, Jose [Instituto Politecnico Nacional, ESIQIE, Av. IPN s/n Edif. 8, UPALM, Mexico, D.F. 07738 (Mexico)

    2009-08-26

    The thermal stabilization of Al{sub 2}O{sub 3} using W{sup 6+} ions has been found useful to the synthesis of Pt/Al{sub 2}O{sub 3} catalysts. The simultaneous and sequential methods were used to study the effect of W{sup 6+} upon Pt/gamma-Al{sub 2}O{sub 3} reducibility, Pt dispersion, and benzene hydrogenation. The W/Pt atomic ratios were from 0.49 to 12.4. In the first method we found that the W{sup 6+} ions delayed reduction of a fraction of Pt{sup 4+} atoms beyond 773 K. At the same time, W{sup 6+}inhibited sintering of the metallic crystallites once they were formed on the surface. For the sequential sample with a W/Pt atomic ratio of 3.28 W{sup 6+} did not inhibit the H{sub 2} reduction of Pt oxides even below of 773 K, the Pt oxides were reduced completely. After reduction at 1073 K, sequential samples impregnating Pt on WO{sub x}-gamma-Al{sub 2}O{sub 3} were more active and stable during benzene hydrogenation. TOF of the reaction did not change when the W/Pt atomic ratio, preparation technique and reduction temperature changed and its value was of 1.1 s{sup -1}. W{sup 6+} ions promoted high thermal stability of Pt crystallites when sequential catalysts were reduced at 1073 K and decreased their Lewis acidity.

  14. Disparities and Menthol Marketing: Additional Evidence in Support of Point of Sale Policies

    Science.gov (United States)

    Moreland-Russell, Sarah; Harris, Jenine; Snider, Doneisha; Walsh, Heidi; Cyr, Julianne; Barnoya, Joaquin

    2013-01-01

    This study examined factors associated with point-of-sale tobacco marketing in St. Louis, an urban city in the United States. Using spatial analysis, descriptive statistics, and multilevel modeling, we examined point-of-sale data and the proportion of mentholated cigarette and total cigarette marketing from 342 individual tobacco retail stores within St. Louis census tracts characterized by the percent of black adults and children. Menthol and total tobacco product marketing was highest in areas with the highest percentages of black residents. When examining menthol marketing to children, we did not find as strong of a relationship, however results of multilevel modeling indicate that as the proportion of black children in a census tract increased, the proportion of menthol marketing near candy also increased. These results indicate the need for communities globally to counter this targeted marketing by taking policy action specifically through the enactment of marketing restrictions provided by the 2009 Family Smoking Prevention and Tobacco Control Act and the Framework Convention of Tobacco Control. PMID:24071922

  15. The Addition of Enhanced Capabilities to NATO GMTIF STANAG 4607 to Support RADARSAT-2 GMTI Data

    Science.gov (United States)

    2007-12-01

    However, the cost is a loss in the accuracy of the position specification and its dependence on the particular ellipsoid and/or geoid models used in...platform provides these parameters. Table B-3. Reference Coordinate Systems COORDINATE SYSTEM VALUE Unidentified 0 GEI: Geocentric Equatorial...Inertial, also known as True Equator and True Equinox of Date, True of Date (TOD), ECI, or GCI 1 J2000: Geocentric Equatorial Inertial for epoch J2000.0

  16. DOD Space Systems: Additional Knowledge Would Better Support Decisions about Disaggregating Large Satellites

    Science.gov (United States)

    2014-10-01

    considering new approaches. According to Air Force Space Command, U.S. space systems face intentional and unintentional threats , which have increased...life cycle costs • Demand for more satellites may stimulate new entrants and competition to lower acquisition costs. • Smaller, less complex...Fiscal constraints and growing threats to space systems have led DOD to consider alternatives for acquiring space-based capabilities, including

  17. Systematic comparative and sensitivity analyses of additive and outranking techniques for supporting impact significance assessments

    International Nuclear Information System (INIS)

    Cloquell-Ballester, Vicente-Agustin; Monterde-Diaz, Rafael; Cloquell-Ballester, Victor-Andres; Santamarina-Siurana, Maria-Cristina

    2007-01-01

    Assessing the significance of environmental impacts is one of the most important and all together difficult processes of Environmental Impact Assessment. This is largely due to the multicriteria nature of the problem. To date, decision techniques used in the process suffer from two drawbacks, namely the problem of compensation and the problem of identification of the 'exact boundary' between sub-ranges. This article discusses these issues and proposes a methodology for determining the significance of environmental impacts based on comparative and sensitivity analyses using the Electre TRI technique. An application of the methodology for the environmental assessment of a Power Plant project within the Valencian Region (Spain) is presented, and its performance evaluated. It is concluded that contrary to other techniques, Electre TRI automatically identifies those cases where allocation of significance categories is most difficult and, when combined with sensitivity analysis, offers greatest robustness in the face of variation in weights of the significance attributes. Likewise, this research demonstrates the efficacy of systematic comparison between Electre TRI and sum-based techniques, in the solution of assignment problems. The proposed methodology can therefore be regarded as a successful aid to the decision-maker, who will ultimately take the final decision

  18. Disparities and menthol marketing: additional evidence in support of point of sale policies.

    Science.gov (United States)

    Moreland-Russell, Sarah; Harris, Jenine; Snider, Doneisha; Walsh, Heidi; Cyr, Julianne; Barnoya, Joaquin

    2013-09-25

    This study examined factors associated with point-of-sale tobacco marketing in St. Louis, an urban city in the United States. Using spatial analysis, descriptive statistics, and multilevel modeling, we examined point-of-sale data and the proportion of mentholated cigarette and total cigarette marketing from 342 individual tobacco retail stores within St. Louis census tracts characterized by the percent of black adults and children. Menthol and total tobacco product marketing was highest in areas with the highest percentages of black residents. When examining menthol marketing to children, we did not find as strong of a relationship, however results of multilevel modeling indicate that as the proportion of black children in a census tract increased, the proportion of menthol marketing near candy also increased. These results indicate the need for communities globally to counter this targeted marketing by taking policy action specifically through the enactment of marketing restrictions provided by the 2009 Family Smoking Prevention and Tobacco Control Act and the Framework Convention of Tobacco Control.

  19. Application for EURATOM priority support of additional heating for ASDEX Upgrade, phase I and phase II

    International Nuclear Information System (INIS)

    Koeppendoerfer, W.; Blaumoser, M.; Ennen, K.; Gruber, J.; Gruber, O.; Jandl, O.; Kaufmann, M.; Kollotzek, H.; Kotzlowski, H.; Lackner, E.; Lackner, K.; Larcher, T. von; Neuhauser, J.; Pillsticker, M.; Poehlchen, R.; Preis, H.; Schneider, H.; Seidel, U.; Sombach, B.; Streibl, B.; Werner, F.; Wieczorek, A.; Speth, E.; Pennigsfeld, F.P.; Feist, J.H.; Freudenberger, K.; Kolos, J.; Kunze, R.C.; Lohnert, H.; Melkus, W.; Ott, W.; Riedler, H.; Staebler, A.; Vollmer, O.; Wittenbecher, K.; Wulff, G.; Noterdaeme, J.M.; Wesner, F.; Baeumler, J.; Braun, F.; Fritsch, R.; Hofmeister, F.; Mark, E. von; Puri, S.; Soell, M.; Steinmetz, K.; Wedler, H.

    1985-04-01

    In order to reach the full performance plasma parameters of ASDEX Upgrade as provided by the machine technique a heating power of 12 to 15 MW is required. For the minimum required power the appropriate choice for the basic heating system are 6 MW ICRH and 6 MW neutral injection, both with a long pulse capability of up to 10 seconds. ICRH in a frequency range of 30 to 120 MHz shall cover He 3 minority, hydrogen fundamental and 2nd harmonic and deuterium 2nd harmonic heating. For neutral injection four JET sources with 60 keV H 0 and 80 A combined in one injection box were chosen. The averaged injection angle is 24 0 to perpendicular at Rsub(O) = 1.7 m. Both systems shall be installed during 1988. The costs are 57.4 MDM for both. (orig./GG)

  20. Stabilization of supported platinum nanoparticles on γ-alumina catalysts by addition of tungsten

    International Nuclear Information System (INIS)

    Contreras, Jose L.; Fuentes, Gustavo A.; Zeifert, Beatriz; Salmones, Jose

    2009-01-01

    The thermal stabilization of Al 2 O 3 using W 6+ ions has been found useful to the synthesis of Pt/Al 2 O 3 catalysts. The simultaneous and sequential methods were used to study the effect of W 6+ upon Pt/γ-Al 2 O 3 reducibility, Pt dispersion, and benzene hydrogenation. The W/Pt atomic ratios were from 0.49 to 12.4. In the first method we found that the W 6+ ions delayed reduction of a fraction of Pt 4+ atoms beyond 773 K. At the same time, W 6+ inhibited sintering of the metallic crystallites once they were formed on the surface. For the sequential sample with a W/Pt atomic ratio of 3.28 W 6+ did not inhibit the H 2 reduction of Pt oxides even below of 773 K, the Pt oxides were reduced completely. After reduction at 1073 K, sequential samples impregnating Pt on WO x -γ-Al 2 O 3 were more active and stable during benzene hydrogenation. TOF of the reaction did not change when the W/Pt atomic ratio, preparation technique and reduction temperature changed and its value was of 1.1 s -1 . W 6+ ions promoted high thermal stability of Pt crystallites when sequential catalysts were reduced at 1073 K and decreased their Lewis acidity.

  1. Disparities and Menthol Marketing: Additional Evidence in Support of Point of Sale Policies

    Directory of Open Access Journals (Sweden)

    Joaquin Barnoya

    2013-09-01

    Full Text Available This study examined factors associated with point-of-sale tobacco marketing in St. Louis, an urban city in the United States. Using spatial analysis, descriptive statistics, and multilevel modeling, we examined point-of-sale data and the proportion of mentholated cigarette and total cigarette marketing from 342 individual tobacco retail stores within St. Louis census tracts characterized by the percent of black adults and children. Menthol and total tobacco product marketing was highest in areas with the highest percentages of black residents. When examining menthol marketing to children, we did not find as strong of a relationship, however results of multilevel modeling indicate that as the proportion of black children in a census tract increased, the proportion of menthol marketing near candy also increased. These results indicate the need for communities globally to counter this targeted marketing by taking policy action specifically through the enactment of marketing restrictions provided by the 2009 Family Smoking Prevention and Tobacco Control Act and the Framework Convention of Tobacco Control.

  2. A Novel 3D Printer to Support Additive Manufacturing of Gradient Metal Alloy Structures, Phase II

    Data.gov (United States)

    National Aeronautics and Space Administration — Gradient metal alloy structures possess multi-functional properties that conventional monolithic metal counterparts do not have. Such structures can potentially...

  3. A Novel 3D Printer to Support Additive Manufacturing of Gradient Metal Alloy Structures, Phase I

    Data.gov (United States)

    National Aeronautics and Space Administration — Gradient metal alloy structures possess multi-functional properties that conventional monolithic metal counterparts do not have. Such structures can potentially...

  4. Driving Innovation to Support the Warfighter: Additive Manufacturing Initiatives Within the Defense Logistics Agency

    Science.gov (United States)

    2016-12-01

    AM) in the commercial sector, but it is also intense for the Defense Logistics Agency (DLA), which hopes to capitalize on the promise of innovation...off. Criteria for assessing provider viability are more clearly defined and the technology’s broad market applicability and relevance are clearly...supply chain allows it to leverage its procurement and distribution ca- pabilities to capitalize on the potential new efficiencies of AM. Background

  5. Additive conjoint measurement for multiattribute utility

    NARCIS (Netherlands)

    Maas, A.; Wakker, P.P.

    1994-01-01

    This paper shows that multiattribute utility can be simplified by methods from additive conjoint measurement. Given additive conjoint measurability under certainty, axiomatizations can be simplified, and implementation and reliability of elicitation can be improved. This also contributes to the

  6. Additive Manufacturing of Aerospace Propulsion Components

    Science.gov (United States)

    Misra, Ajay K.; Grady, Joseph E.; Carter, Robert

    2015-01-01

    The presentation will provide an overview of ongoing activities on additive manufacturing of aerospace propulsion components, which included rocket propulsion and gas turbine engines. Future opportunities on additive manufacturing of hybrid electric propulsion components will be discussed.

  7. The Philosophical Consideration about Food Additives

    OpenAIRE

    Baoyu Ma

    2015-01-01

    This study mainly analyzes the essential features of food additives technology from the angle of philosophy, explaining the essential characteristics of food additives technology. As for the attitude towards the application of food additives, it is influenced by the public's gender, age, educational level, occupation and monthly expenditure for buying non-staple food and other variables, thus, the attitude towards food additives and green food, as well as the attitude towards using artificial...

  8. Certification of support services

    International Nuclear Information System (INIS)

    Hroch, A.; Osusky, V.

    2006-01-01

    In this paper the process of certification of support services in the Slovenske elektrarne, a. s. is described. The nuclear power plants are also included into support services. Provisions and economic aspects of support services are discussed

  9. The dilemma of allergy to food additives.

    Science.gov (United States)

    Bahna, Sami L; Burkhardt, Joshua G

    2018-01-01

    To provide a brief summary on food additives and to outline a practical approach for evaluating subjects suspected of having reactions to food additives. Information was derived from selected reviews and original articles published in peer-reviewed journals, supplemented by the clinical experience of the authors. Priority was given to studies that used blinded, placebo controlled, oral challenges to confirm adverse reactions to food additives. In addition, selected, appropriately evaluated case reports were included. A large number of food additives are widely used in the food industry. Allergic reactions to additives seem to be rare but are very likely underdiagnosed, primarily due to a low index of suspicion. A wide variety of symptoms to food additives have been reported, but a cause-and-effect relationship has not been well documented in the majority of cases. Reactions to food additives should be suspected in patients who report symptoms related to multiple foods or to a certain food when commercially prepared but not when home made. It is also prudent to investigate food additives in subjects considered to have "idiopathic" reactions. Except for a limited number of natural additives, there is a small role for skin tests or in vitro testing. Oral challenge, in stages, with commonly used additives is the definitive procedure for detecting the offending agent. Once the specific additive is identified, management is strict avoidance, which can be difficult.

  10. Enabling Technologies for Medium Additive Manufacturing (MAAM)

    Energy Technology Data Exchange (ETDEWEB)

    Richardson, Bradley S. [ORNL; Love, Lonnie J. [ORNL; Chesser, Phillip C. [ORNL; Miller, Jason [Cosine Additive, Inc.; McCalip, Andrew [Cosine Additive, Inc.

    2018-02-01

    ORNL has worked with Cosine Additive, Inc. on the design of MAAM extrusion components. The objective is to improve the print speed and part quality. A pellet extruder has been procured and integrated into the MAAM printer. Print speed has been greatly enhanced. In addition, ORNL and Cosine Additive have worked on alternative designs for a pellet drying and feed system.

  11. Electromagnetic force support for thermonuclear device

    International Nuclear Information System (INIS)

    Sugimoto, Makoto; Yoshida, Kiyoshi; Tachikawa, Nobuo; Omori, Junji.

    1992-01-01

    The device of the present invention certainly supports electromagnetic force exerted on toroidal magnetic field coils. That is, a pair of support members are disposed being abutted against each other between toroidal magnetic field coils disposed radially in the torus direction of a vacuum vessel. Both of the support members are connected under an insulative state by way of an insulative structural portion having an insulation key. In addition, each of the support members and each of the toroidal magnetic field coils are connected by electromagnetic force support portions having a metal taper key and a metal spacer and supporting the electromagnetic force. With such a constitution, the electromagnetic force exerted on the toroidal magnetic field coils is supported by the electromagnetic force support portion having the metal taper key and the metal spacer. As a result, stable electromagnetic force support can be attained. Further, since the insulative structural portion has the insulation key, it can be assembled easily. (I.S.)

  12. 76 FR 45542 - Procurement List; Proposed Addition

    Science.gov (United States)

    2011-07-29

    ... Feeding and Cleaning. NPA: NewView Oklahoma, Inc., Oklahoma City, OK. Contracting Activity: Defense Logistics Agency Troop Support, Philadelphia, PA. Coverage: C-List for 100% of the requirement of the Department of Defense, as aggregated by the Defense Logistics Agency Troop Support, Philadelphia, PA. Barry S...

  13. 78 FR 73504 - Procurement List; Proposed Additions

    Science.gov (United States)

    2013-12-06

    ... Logistics Support Detachment, Undisclosed Location*, Ft. Belvoir, VA. NPA: MVLE, Inc., Springfield, VA. Contracting Activity: Directorate of Contracting Procurement Logistics Support Detachment, Fort Belvoir, VA.... Lineback, Director, Business Operations. [FR Doc. 2013-29139 Filed 12-5-13; 8:45 am] BILLING CODE 6353-01-P ...

  14. Competency Based Hospital Radiopharmacy Training. Additional Information

    International Nuclear Information System (INIS)

    2010-01-01

    Quality management systems in nuclear medicine are vital to a high level of nuclear medicine (NM) practice. Trained and competent staffs are essential for achieving high standards and growth in NM. One of the key bottlenecks for NM is the shortfall in human resources, especially of radiopharmacists. There is an acute shortage in most Member States and in some countries an absence of nationally registered pharmacists with radiopharmacy experience. Most nuclear medicine facilities operate their radiopharmacies (commonly referred to as the hot laboratories) with the support of technologists and radiographers. Recent surveys have found the level of training amongst technologists to be extremely variable. Most had little or no training in hot laboratory practices. The survey also indicated the poor state of hot laboratories in many countries. Basic quality systems in the hot laboratory could be improved significantly with better training. This competency-based education manual is designed with those radiopharmacy practitioners in mind. This competency-based trainer's manual provides trainers in each of the IAEA regions with the essentials of a training programme for all radiopharmacy practitioners. The competency-based training is a two week programme followed up with three months of practice achievements. The syllabus provides a standardized approach to lectures, practical sessions, and interactive workshops focusing on critical aspects of hot laboratory practices. The trainers, with the assistance of this manual, can deliver essential skills, competencies, and underpinning knowledge to operate safely and effectively in their hot laboratory. The course focuses on simple but practical steps that could be undertaken to improve staff performance. In addition, a basic framework of quality management principles related to radiopharmacy practices is also covered. Further, the syllabus can be adapted to the particular needs and characteristics of any training centre, country

  15. SURFACE ENGINEERING FOR PARTS MADE BY ADDITIVE MANUFACTURING

    OpenAIRE

    Nutal, Nicolas; Rochus, Pierre; Collette, Jean-Paul; Crahay, Jean; Larnicol, Maiween; Jochem, Helen; Magnien, Julien; Masse, Christian; Rigo, Olivier; Vanhumbeeck, Jean-François; Pambaguian, Laurent

    2015-01-01

    the surface preparation of metal parts made by additive manufacturing (AM). AM is a technology of choice for manufacturing of parts with complex shapes (heat exchangers, RF supports, optical parts…) and integrated functions such as conformal cooling channels, clips, hinges, etc. This opens the door for lightweight parts which are of prime importance for space applications. The potential of the AM technologies is however impeded by the quite rough surface finish that is observed on the as-m...

  16. Additive preservers of the ascent, descent and related subsets

    Czech Academy of Sciences Publication Activity Database

    Mbekhta, M.; Müller, Vladimír; Oudghiri, M.

    2014-01-01

    Roč. 71, č. 1 (2014), s. 63-83 ISSN 0379-4024 R&D Projects: GA ČR GA201/09/0473; GA AV ČR IAA100190903 Institutional support: RVO:67985840 Keywords : additive preservers * ascent * descent Subject RIV: BA - General Mathematics Impact factor: 0.550, year: 2014 http://www.mathjournals.org/jot/2014-071-001/2014-071-001-004.html

  17. Additive operator-difference schemes splitting schemes

    CERN Document Server

    Vabishchevich, Petr N

    2013-01-01

    Applied mathematical modeling isconcerned with solving unsteady problems. This bookshows how toconstruct additive difference schemes to solve approximately unsteady multi-dimensional problems for PDEs. Two classes of schemes are highlighted: methods of splitting with respect to spatial variables (alternating direction methods) and schemes of splitting into physical processes. Also regionally additive schemes (domain decomposition methods)and unconditionally stable additive schemes of multi-component splitting are considered for evolutionary equations of first and second order as well as for sy

  18. Biocompatibility of photopolymers for additive manufacturing

    OpenAIRE

    Leonhardt Stefan; Klare Martin; Scheer Maurice; Fischer Theresa; Cordes Burghard; Eblenkamp Markus

    2016-01-01

    To establish photopolymers for the production of class II or class III medical products by additive manufacturing it is essential to know which components of photopolymeric systems, consisting of monomers, photoinitiators and additives, are the determining factors on their biocompatible properties. In this study the leachable substances of a cured photopolymeric system were eluted and identified by HPLC-MS detection. In addition the cured photopolymer was testes for cytotoxicity and genotoxic...

  19. Harnessing the Potential of Additive Manufacturing

    Science.gov (United States)

    2016-12-01

    31 Defense AT&L: November-December 2016 Harnessing the Potential of Additive Manufacturing Bill Decker Decker is director of Technology...achieve its goal of competition throughout the acquisition life cycle. When we look at additive manufacturing , we have a much different environment. To...Titanium-6 Aluminum-4 Vanadium with Powder Bed Fusion. This specification covers additively manufactured titanium-6 aluminum-4 vanadium (Ti-6Al-4V

  20. Additives in food and their properties

    OpenAIRE

    TYLOVÁ, Kristýna

    2013-01-01

    The aim of this work is to deepen the knowledge about additives in foods, the importance of technological additives in foods, their properties and effects on human health. The aim of this work is a study of technical and scientific literature on the topic: "additives in foods and their properties" and review of the literature. Also in the practical part, implementation and evaluation of a questionnaire survey of the experimental group related to the topic: "Validation and comparison of knowle...