WorldWideScience

Sample records for loan company trust

  1. 12 CFR 583.20 - Savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a savings...

  2. 76 FR 35085 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-06-15

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... Proposal: Savings Loan Holding Company Application. OMB Number: 1550-0015. Form Numbers: H-(e). Description... that no company, or any director or officer of a savings and loan holding company, or any individual...

  3. 76 FR 20459 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-04-12

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... concerning the following information collection. Title of Proposal: Savings and Loan Holding Company... officer of a savings and loan holding company, or any individual who owns, controls, or holds with power...

  4. 12 CFR 584.2a - Exempt savings and loan holding companies and grandfathered activities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Exempt savings and loan holding companies and... THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.2a Exempt savings and loan holding companies and grandfathered activities. (a) Exempt savings and loan holding companies. (1) The following savings and loan...

  5. 12 CFR 583.12 - Multiple savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Multiple savings and loan holding company. 583... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.12 Multiple savings and loan holding company. The term multiple savings and loan holding company means any savings and loan holding...

  6. 12 CFR 583.11 - Diversified savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Diversified savings and loan holding company... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.11 Diversified savings and loan holding company. The term diversified savings and loan holding company means any savings and loan holding...

  7. 26 CFR 301.7507-1 - Banks and trust companies covered.

    Science.gov (United States)

    2010-04-01

    ... bank or trust company organized under State law, a substantial portion of the business of which consists of receiving deposits and making loans and discounts, and which has— (1) Ceased to do business by... of the depositors or (ii) transferred to an individual or corporate trustee or agent who liquidates...

  8. Loan managers' decisions and trust in entrepreneurs in different institutional contexts

    DEFF Research Database (Denmark)

    Moro, Andrea; Fink, Matthias; Maresch, Daniela

    2018-01-01

    Loan managers’ trust in entrepreneurs can be a useful tool for overcoming entrepreneurial firms’ opaqueness. Nevertheless, the possibility for loan managers to leverage trust can be affected by differences in the regulative institutions within the banks (type of bank) and by place-bound normative...

  9. 12 CFR 584.2-2 - Permissible bank holding company activities of savings and loan holding companies.

    Science.gov (United States)

    2010-01-01

    ... savings and loan holding companies. 584.2-2 Section 584.2-2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.2-2 Permissible bank holding company activities of savings and loan holding companies. (a) General. For purposes of § 584.2(b)(6)(i) of this part...

  10. 12 CFR 584.4 - Certain acquisitions by savings and loan holding companies.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Certain acquisitions by savings and loan... TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.4 Certain acquisitions by savings and loan holding companies. (a) Acquisitions by a savings and loan holding company of more than five percent of a non...

  11. 76 FR 16477 - General Reporting and Recordkeeping by Savings Associations and Savings and Loan Holding Companies

    Science.gov (United States)

    2011-03-23

    ... Savings Associations and Savings and Loan Holding Companies AGENCY: Office of Thrift Supervision (OTS...), 12 CFR 562.4 (audit of savings association, savings and loan holding company, or affiliate), 12 CFR... the savings association), 12 CFR 584.1(f) (books and records of each savings and loan holding company...

  12. 76 FR 31680 - General Reporting and Recordkeeping by Savings Associations and Savings and Loan Holding Companies

    Science.gov (United States)

    2011-06-01

    ... Savings Associations and Savings and Loan Holding Companies AGENCY: Office of Thrift Supervision (OTS... Savings and Loan Holding Companies. OMB Number: 1550-0011. Form Number: N/A. Description: This information...), 12 CFR 562.4 (audit of savings association, savings and loan holding company, or affiliate), 12 CFR...

  13. FINANCIAL BALANCE AND LOANS OF THE SHAREHOLDERS TO THE COMPANY

    Directory of Open Access Journals (Sweden)

    Rus Luminita

    2012-07-01

    Full Text Available The present analyses, based on a case study show the influence on the financial balance of the loans from shareholders , taking into account the accounting treatment of loans. We do not know that the Romanian economic literature to be treated that aspect. That is why we consider the study as being useful to managers, members, shareholders, and all business partners to form the economic decisions. The purpose of this financial analysis is to examine critically the accounting and financial information ofered by the companies to assess their performance and their financial position (Laurence Le Gallo. The financial position of firms is assessed based on the financial structure and financial balance. In a same time the financial balance is approached from a static perspective based on the: net situation, working capital, necessary of working capital, net treasury. The present analyses deals with financial balance in a static manner based on these four indicators listed. The sources of data for the analysis of financial balance are offered mainly in the financial statement. This document has been used data from a company that is engaged in the carriage of goods. Analysis was made over a period of five years. The present analysis showed that financial balance is influenced by the way that the shareholders loans to the company are treated by including them in long-term debt or short-term. Reprocessing of loans and their inclusion in long-term debt, changes the perspective on financial balance showing that on the long-term company has a stable balance. These aspects require preparation of loan agreements with associates as loans work in reality. The contracts must to highlight the progress of the loan on the long term and not to be extended or remodeled the short-term contracts. Of course, there are always solutions to improve the financial balance and in this way the financial position and the performance of the company. However, the proposed solutions

  14. 78 FR 36189 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-06-17

    ... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Savings and Loan Holding... CFR part 239), and all other applicable statutes and regulations to become a savings and loan holding... savings association and nonbanking companies owned by the savings and loan holding company, including the...

  15. 12 CFR 575.10 - Acquisition and disposition of savings associations, savings and loan holding companies, and...

    Science.gov (United States)

    2010-01-01

    ... associations, savings and loan holding companies, and other corporations by mutual holding companies. 575.10... COMPANIES § 575.10 Acquisition and disposition of savings associations, savings and loan holding companies... savings and loan holding company in the stock form that is not a subsidiary holding company, provided the...

  16. How loan interest rate liberalization affects firms'loan maturity structure Evidence from listed manufacturing companies in China

    Institute of Scientific and Technical Information of China (English)

    Jianfang Zhou; Jingjing Wang; Jianping Ding

    2014-01-01

    Purpose-After loan interest rate upper limit deregulation in October 2004,the financing environment in China changed dramatically,and the banks were eligible for risk compensation.The purpose of this paper is to focus on the influence of the loan interest rate librealization on firms' loan maturity structure.Design/methodology/approach-Based on Rajan's (1992) model the authors constructed a tradeoff model of how the banks choose long-term and short-term loans scales,and further analyzed banks' loan term decisions under the loan interest rate upper limit deregulation or collateral cases.Then the authors used an unbalanced panel data set of 586 Chinese listed manufacturing companies and 9,376 observations during the period 1996-2011 to testify the theoretical conclusion.Furthermore,the authors studied the effect on firms with different characteristics of ownership or scale.Findings-The results show that the loan interest rate liberalization significantly decreases the private companies' reliance on short-term loans and increases sensitivity to interest rates of stateowned companies' long-term loans.But the results also show that the companies' ownership still plays a key role on the long-term loans availability.When monetary policy tightened,small companies still have to borrow short-term loans for long-term purposes.As the bank industry is still dominated by state-owned banks and the deposit interest rate has upper limits,the effect of the loan interest rate liberalization on easing long-term credit constraints is limited.Originality/value-From a new perspective,the content and findings of this paper contribute to the study of the effect of the interest rate liberalization on China economy.

  17. 75 FR 22681 - Prohibited Service at Savings and Loan Holding Companies

    Science.gov (United States)

    2010-04-29

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Prohibited Service at Savings and Loan... concerning the following information collection: Title of Proposal: Prohibited Service at Savings and Loan... with a savings and loan holding company (SLHC), the SLHC or the individual will need to apply to the...

  18. The Challenge of Financing Higher Education and the Role of Student Loans Scheme: An Analysis of the Student Loan Trust Fund (SLTF) in Ghana

    Science.gov (United States)

    Atuahene, Francis

    2008-01-01

    Student loans program is one of the most controversial phenomena in financing higher education in Ghana, but its importance as a cost sharing mechanism is incontestable. This paper describes the challenge of financing higher education in Ghana. It provides a critique of the Social Security and National Insurance Trust (SSNIT) Student Loans Scheme,…

  19. 12 CFR 221.109 - Loan to open-end investment company.

    Science.gov (United States)

    2010-01-01

    ... CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.109 Loan to open-end investment company. In... customarily purchases stocks registered on a national securities exchange, the Board stated that in view of... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Loan to open-end investment company. 221.109...

  20. 12 CFR 502.28 - How does OTS determine the organizational form component for a savings and loan holding company?

    Science.gov (United States)

    2010-01-01

    ... component for a savings and loan holding company? 502.28 Section 502.28 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY ASSESSMENTS AND FEES Assessments Savings and Loan Holding Companies... savings and loan holding company that OTS regulates under section 10(l) of the HOLA. OTS will compute your...

  1. 76 FR 60494 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies; Correction

    Science.gov (United States)

    2011-09-29

    ... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies; Correction This notice corrects a notice (FR Doc. 2011-24388) published on page 58812 of the... with Polonia Bancorp, Inc., Baltimore, Maryland, which proposes to become a savings and loan holding...

  2. 12 CFR 502.29 - How does OTS determine the condition component for a savings and loan holding company?

    Science.gov (United States)

    2010-01-01

    ... for a savings and loan holding company? 502.29 Section 502.29 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY ASSESSMENTS AND FEES Assessments Savings and Loan Holding Companies-Calculation of Assessments § 502.29 How does OTS determine the condition component for a savings and loan...

  3. 12 CFR 502.26 - How does OTS calculate the semi-annual assessment for savings and loan holding companies?

    Science.gov (United States)

    2010-01-01

    ... assessment for savings and loan holding companies? 502.26 Section 502.26 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY ASSESSMENTS AND FEES Assessments Savings and Loan Holding Companies-Calculation of Assessments § 502.26 How does OTS calculate the semi-annual assessment for savings and loan...

  4. 77 FR 34095 - Federated Investment Management Company and Federated ETF Trust; Notice of Application

    Science.gov (United States)

    2012-06-08

    ... Investment Management Company and Federated ETF Trust; Notice of Application June 1, 2012. AGENCY: Securities... (e) certain registered management investment companies and unit investment trusts outside of the same... Daniele Marchesani, Branch Chief, at (202) 551-6821 (Division of Investment Management, Office of...

  5. 38 CFR 14.634 - Banks or trust companies acting as guardians.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Banks or trust companies acting as guardians. 14.634 Section 14.634 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS... guardians. Banks or trust companies, corporate entities, acting as guardians for claimants, may be...

  6. 12 CFR 221.114 - Bank loans to purchase stock of American Telephone and Telegraph Company under Employees' Stock...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Bank loans to purchase stock of American...) Interpretations § 221.114 Bank loans to purchase stock of American Telephone and Telegraph Company under Employees' Stock Plan. (a) The Board of Governors interpreted this part in connection with proposed loans by a bank...

  7. 26 CFR 1.586-1 - Reserve for losses on loans of small business investment companies, etc.

    Science.gov (United States)

    2010-04-01

    ... any bad debts pursuant to section 166(a) with respect to a loan (as defined in § 1.586-2(c)(2... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Reserve for losses on loans of small business...-1 Reserve for losses on loans of small business investment companies, etc. (a) General rule. As an...

  8. 77 FR 19531 - 7(a) Loan Program; Eligible Passive Companies

    Science.gov (United States)

    2012-04-02

    ... or intangible assets (such as trademarks, copyrights, intellectual property, or goodwill), as long as... of other assets for use by the OC, including the purchase of stock or intangible assets (such as... intangible assets, for the Operating Company's use, the Operating Company must be a co-borrower. * * * * * 0...

  9. 77 FR 53887 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-09-04

    ... Bancorp, Inc., and thereby indirectly acquire control of Midwest Federal Savings and Loan Association of... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12...

  10. 78 FR 19268 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-03-29

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  11. 78 FR 62634 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-10-22

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  12. 78 FR 57638 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-09-19

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  13. 77 FR 37674 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-22

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  14. 77 FR 68122 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-11-15

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  15. 78 FR 26369 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-05-06

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  16. 78 FR 62302 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-10-15

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  17. 77 FR 15370 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-03-15

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  18. 78 FR 55257 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-09-10

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  19. 78 FR 78958 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-12-27

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  20. 78 FR 76146 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-12-16

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  1. 76 FR 61102 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2011-10-03

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  2. 78 FR 5804 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-01-28

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  3. 78 FR 54648 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-09-05

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  4. 77 FR 2064 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-01-13

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  5. 78 FR 57854 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-09-20

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  6. 76 FR 63621 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2011-10-13

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  7. 77 FR 3476 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-01-24

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  8. 77 FR 76040 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-12-26

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  9. 77 FR 71593 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-12-03

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  10. 78 FR 17931 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-03-25

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  11. 76 FR 58811 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2011-09-22

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  12. 77 FR 35386 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-13

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  13. 77 FR 59195 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-09-26

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  14. 77 FR 37907 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-25

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  15. 77 FR 21561 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-04-10

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  16. 77 FR 35681 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-14

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  17. 77 FR 38817 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-29

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  18. 77 FR 37406 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-21

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...

  19. Loan versus Bond Financing of Czech Companies and the influence of the Global Recession

    Directory of Open Access Journals (Sweden)

    Mačí Jan

    2017-03-01

    Full Text Available European economies are traditionally considered to be bank based regarding the debt financing. However, in times of crises in the bank sector, this feature may indicate a weakness of these economies when the credit squeeze phenomenon may occur and companies’ competitiveness might be negatively affected thanks to unstable financing possibilities. In such conditions, a shift from bank loans to bonds might be expected. That is why this paper focuses on mutual development of corporate bond and business loan markets in the developing Czech economy in the years 2006–2014 with regard to the impacts of the global financial crisis of 2008/2009. The main goal of this article is to identify whether, thanks to the impacts of the global recession in 2009, there was a shift in Czech economy in business financing from the loans to bonds in a similar fashion as in the case of East Asian economies after their financial crisis in the nineties. Since Czech companies practically do not use short-term bonds, a mutual relationship is examined between amounts of long-term corporate bonds and economic development captured by the GDP per capita, and between long-term business loans and development of long-term corporate bonds. The main findings of this study are that since the global financial crisis, bond financing of businesses has been growing faster than loan financing. Czech economy thus shifts and becomes more bond market-based. The development of bond financing is positively correlated with the GDP per capita. Time series of both loans and bonds develop along the same trend. However, residual components are correlated negatively, which confirms the standing of loans and bonds as substitutes. Two main practical implications may be derived from this study. First, a growing usage of bonds increases demands on the market regulator, especially in the field of monitoring. Second, the growing bond market leads to the increased effectiveness, which makes additional

  20. 77 FR 3531 - Self-Regulatory Organizations; The Depository Trust Company; Order Approving Proposed Rule Change...

    Science.gov (United States)

    2012-01-24

    ... Organizations; The Depository Trust Company; Order Approving Proposed Rule Change To Enhance Risk Management.... Description The rule change will enhance the risk management controls associated with DTC's Receiver... Participant's net debit cap is placed on a pending (recycling) queue until another transaction creates...

  1. 26 CFR 1.58-6 - Regulated investment companies; real estate investment trusts.

    Science.gov (United States)

    2010-04-01

    ... shareholder, or holder of beneficial interest, bear to the taxable income of such company or such trust... the shareholders, or holders of beneficial interest, in the same taxable year in which the dividends... are allocated to the shareholders or holders of beneficial interests. (b) Capital gains. Section 58(g...

  2. 77 FR 12897 - Self-Regulatory Organizations; Pacific Securities Depository Trust Company; Order Cancelling...

    Science.gov (United States)

    2012-03-02

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-66460; File No. 600-10] Self-Regulatory Organizations; Pacific Securities Depository Trust Company; Order Cancelling Clearing Agency Registration...(a)(3) of the Act \\14\\ provides that in the event any self-regulatory organization is no longer in...

  3. 77 FR 12898 - Self-Regulatory Organizations; Midwest Securities Trust Company; Order Cancelling Clearing Agency...

    Science.gov (United States)

    2012-03-02

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-66461; File No. 600-7] Self-Regulatory Organizations; Midwest Securities Trust Company; Order Cancelling Clearing Agency Registration February 24, 2012... the event any self-regulatory organization is no longer in existence or has ceased to do business in...

  4. Trust and management-to-employee communication in Slovenian companies: Some evidence from the current economic crisis

    OpenAIRE

    Matevž Rašković; Maja Makovec Brenčič; Barbara Moerec

    2011-01-01

    This paper analyzes the importance of trust and management-to-employee communication among top Slovenian employers from the Golden Thread Survey. The paper analyzes the changes and impact of the deteriorating external economic situation on (a) company-employee relational trust, and on the (b) perceived importance of “trust and long-term relationships with the company in the eyes of the customer” by respondent managers. Furthermore, our analysis also looks at the impact of management-to-employ...

  5. FINANCIAL ACCOUNTING APPROACHES OF THE REVOLVING LOANS WITH THE EXAMPLE OF THE FOREIGN TRADE COMPANIES

    Directory of Open Access Journals (Sweden)

    ADRIANA IOŢA

    2014-10-01

    Full Text Available In the current economic context, with a major increase in the foreign business of the Romanian companies, there is a need to finance their activities from various sources in order to meet competition. For this reason I aimed, with this paper, to identify the way to finance current business of foreign trade companies. Considering that for the majority of foreign trade transactions settlement is performed after a maturity established by agreement between the partners, in this interval various payment obligations may occur, reason for which companies resort to short-term funding sources, usually of the revolving type. This paper presents on one hand the financial features of two forms of crediting current activity, most often contracted by companies engaged in foreign trade, as the credit line and the global working loans. In the case of the credit line we presented the accounting methodology applicable to a company that engaged in foreign trade, with the purpose of highlighting the accounting peculiarities of the records of the currency credit line, as well as the costs (interests, fees these imply.

  6. Effect of Local Community’s Environmental Perception on Trust in a Mining Company: A Case Study in Mongolia

    Directory of Open Access Journals (Sweden)

    Lavdmaa Dagvadorj

    2018-02-01

    Full Text Available While the mining industry is booming globally, local communities resist mining operations. It is crucial for mining companies to maintain trust within these communities to prevent conflicts. This research investigated local community’s trust in a mining company in Mongolia using a questionnaire survey. We assessed the residents’ perceptions of the company’s effort to maintain environmental protection, as a determinant of trust, in addition to the determinants of motivation and ability. The results showed that the trust level varied within the different respondent groups and the determinants of trust differentially explained the state of trust. The nomadic herders who lived close to the mine site had low trust while being sensitive to the environmental effects. Other herders had neutral trust. Town citizens had high trust, which was mainly related to positive perceptions of motivation. Communicability of the information provided by the company influenced formulation of positive and negative perceptions. Overall, low trust likely leads to conflicts. Therefore, mining companies are advised to conduct surveys with different groups in the local community, especially those sensitive to environmental changes, and take measures to maintain trust.

  7. The company you keep: spreading effects of financial fraud on investor trust.

    Science.gov (United States)

    Bernet, Patrick Michael; Getzen, Thomas E

    2007-01-01

    Investor trust is valuable to health care organizations. Without it, they may face higher capital costs. This study explores recent cases of fraud and the appearance of impropriety by health care organizations, focusing on the manners in which trust was violated, the systems that allowed those violations, and the effects on financial markets. Increases in the incidence and scale of such transgressions may be harbingers of worse times ahead. This article examines how recent events have affected the cost of capital, and what health care organizations can do to avoid being judged by the company they keep.

  8. Energy service companies in China. The role of social networks and trust

    Energy Technology Data Exchange (ETDEWEB)

    Kostka, Genia [Frankfurt School of Finance and Management, Frankfurt am Main (Germany). East-West Centre of Business Studies and Cultural Science; Shin, Kyoung [Massachusetts Institute of Technology, Cambridge, MA (United States). Dept. of Political Sciences

    2011-06-15

    China's energy-service companies (ESCOs) have developed only modestly despite favorable political and market conditions. We argue that with sophisticated market institutions still evolving in China, trust-based relations between ESCOs and energy customers are essential for successful implementation of energy efficiency projects. Chinese ESCOs, who are predominantly small and private enterprises, perform poorly in terms of trust-building because they are disembedded from local business, social, and political networks. We conclude that in the current institutional setting, the ESCO model based on market relations has serious limitations and is unlikely to lead to large-scale implementation of energy efficiency projects in China. (orig.)

  9. A company I can trust? Organizational lay theories moderate stereotype threat for women.

    Science.gov (United States)

    Emerson, Katherine T U; Murphy, Mary C

    2015-02-01

    Women remain under-represented in the leadership of corporate America. According to stereotype threat theory, this under-representation may persist because women are concerned about being stereotyped in business settings. Three studies investigated whether an entity (fixed), compared with an incremental (malleable), organizational lay theory is threatening for women evaluating a consulting company. Men and women viewed a company mission statement or website containing an entity or incremental theory. Results revealed that women--more so than men--trusted the entity company less than the incremental company. Furthermore, only women's mistrust of the entity company was driven by their expectations about being stereotyped by its management. Notably, when combined with high or low representations of female employees, only organizational lay theories predicted trust. Finally, people's--particularly women's--mistrust of the entity company led them to disengage more before interacting with a representative. Implications for women's experiences and outcomes in workplace settings are discussed. © 2014 by the Society for Personality and Social Psychology, Inc.

  10. 78 FR 63978 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-10-25

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  11. 78 FR 38715 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-06-27

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  12. 77 FR 74191 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-12-13

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  13. 78 FR 62302 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-10-15

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  14. 77 FR 66616 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-11-06

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  15. 76 FR 75882 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2011-12-05

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  16. 78 FR 21368 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-04-10

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  17. 76 FR 61102 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2011-10-03

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  18. 76 FR 72922 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2011-11-28

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  19. 77 FR 26009 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-05-02

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  20. 78 FR 65312 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-10-31

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  1. Trust

    OpenAIRE

    Söllner, Matthias; Benbasat, Izak; Gefen, David; Leimeister, Jan Marco; Pavlou, Paul A.

    2016-01-01

    Trust is the enabler of social interaction. Although the origins of research on trust traditionally lie outside the Information Systems (IS) domain, the importance of trust for IS research rapidly grew in the late 1990s, and it is still growing with the increasing ubiquity and advancement of technology in organizations, virtual teams, online markets, and user-technology interactions. Theoretically, the central role of trust is tied to the growing social change that Information and Communicati...

  2. Trust

    OpenAIRE

    Fojtů, Dominik

    2015-01-01

    This rigorous thesis is focused on a status of trust in an application practise in a Czech legislation with a context of historical aspects of institutes similar to trusts as well as actual legislation. The thesis includes also analyses of more difficult provisions concerning the trust, including economic impacts representing accounting and tax consequences. Also comparison with established modifications trusts in Europe and their possible utilization of the Czech point of view of the settlor...

  3. Inter-Organizational Trust in EDI Adoption: The Case of Ford Motor Company and PBR Limited in Australia.

    Science.gov (United States)

    Ratnasingam, Pauline

    2001-01-01

    This study examines behavioral dimensions of trading partner trust in EDI (electronic data interchange) adoption via a qualitative interpretative case study conducted between an automotive manufacturer (Ford Motor Company) in Australia and their first tier supplier, PBR Limited. Findings suggest that trust is important for cooperative long-term…

  4. National and Organizational Culture, Performance Evaluation and Trust: Evidence from Multinational Company Subsidiary in Indonesia

    Directory of Open Access Journals (Sweden)

    Unggul Purwohedi

    2017-07-01

    Full Text Available The aim of this study is to investigate the impact of national and organizational culture on the relationship between accounting and trust in a subsidiary of a Western Multi-National Company (MNC in Indonesia. This study use a qualitative field study of one French MNC subsidiary and interview four expatriate directors, nine Indonesian managers and 10 Indonesian employees. Key themes were identified with the assistance of NVivo software. In this study, accounting, through formal performance evaluation, contributes to trust building between supervisors and their subordinates. Formal performance evaluation through transparent and objective evaluation increases trust in the supervisor. On the other hand, informal performance evaluation tends to decrease trustful behaviour due to secrecy in the evaluation process.  It appears that Indonesian national culture does influence organizational culture preference in the local staff. Individuals share national culture as a result of values developed from family, religion, education, and experience.DOI: 10.15408/sjie.v6i2.4733 

  5. Virtual Team and Trust Relationship: Focus Group Interviews in Multimedia Super Corridor Status Companies

    Directory of Open Access Journals (Sweden)

    Norizah Aripin

    2011-12-01

    Full Text Available This paper aims to discuss the trust relationship in virtual teams in Multimedia Super Corridor (MSC status companies. The study used qualitative method that is phenomenology approach through focus group interviews. In-depth interview were also used with semi-structured and openended questions. The interviews involved six staffs at different position in virtual team (two team leaders, and four team members. The interviews were recorded, transcribed and analyzed according to the thematic analysis. Results showed that dimensions on virtual team trust relationship including interpersonal communication, personality, team members size, face-to-face meeting needs, safety information when discussing face-to-face in public places, and difficulty to recall interaction via video conferencing with other team members.

  6. Trust and management-to-employee communication in Slovenian companies: Some evidence from the current economic crisis

    Directory of Open Access Journals (Sweden)

    Maja Makovec Brenčič

    2011-01-01

    Full Text Available This paper analyzes the importance of trust and management-to-employee communication among top Slovenian employers from the Golden Thread Survey. The paper analyzes the changes and impact of the deteriorating external economic situation on (a company-employee relational trust, and on the (b perceived importance of “trust and long-term relationships with the company in the eyes of the customer” by respondent managers. Furthermore, our analysis also looks at the impact of management-to-employee communication on both trust perspectives. The results show a stable level of company-employee relational trust in the face of the current economic crisis, despite a high level of perceived organizational process changes and a sharp decline in financial performance. On the other hand, the perceived importance of “trust and long-term relationships with the company in the eyes of the customer” has increased substantially as the crisis has deepened, supporting our claim that relationships and the external relationship orientation gain importance in the time of crisis. There is also a strong link between the degree of open and frequent management-to-employee communication, and both perspectives of measured trust among top Slovenian employers.

  7. 75 FR 81377 - Prohibited Service at Savings and Loan Holding Companies; Reinstitution of Expiration Date of...

    Science.gov (United States)

    2010-12-28

    ... of trust, or money laundering (or who has agreed to enter into a pretrial diversion or similar... has been convicted of any criminal offense involving dishonesty, breach of trust, or money laundering...

  8. 78 FR 23162 - Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding...

    Science.gov (United States)

    2013-04-18

    ... bank holding company's Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) forms; \\3... Balance Sheet of the BHC's Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) (OMB No... holding companies with $50 billion or more in total consolidated assets, and nonbank financial companies...

  9. THE HOUSE OF SAVINGS AND LOAN OF EMPLOYEES FROM THE GOLD MINING COMPLEX OF BRAD OF “MICA” COMPANY (1931-1948

    Directory of Open Access Journals (Sweden)

    MIRCEA BARON

    2011-01-01

    Full Text Available In our study we're trying to present one of the many social projects that "Mica" Mining Company has achieved within the gold mining complex from Brad, located in the Apuseni Mountains of Transylvania. Under the motto “Be not only hardworking but also preservers because everyone can earn money, but few know how to save it” the company the managers of "Mica" Brad set up, in 1931-1932, the House of Savings and Loan for workers, and the House of Savings and Loan officials respectively, institutions that would operate until the closing of "Mica" Company in 1948. These Houses include all employees of the "Mica" Company from Brad and will circulate the funds from voluntary and compulsory deposits of their members, granting loans for the construction of houses and farms, for the establishment of agricultural holdings, for the purchase of land and agricultural equipment, for family needs etc.

  10. 77 FR 43146 - Twin Cities & Western Railroad Company, the Estate of Douglas M. Head, and the DMH Trust fbo...

    Science.gov (United States)

    2012-07-23

    ... DEPARTMENT OF TRANSPORTATION Surface Transportation Board [Docket No. FD 35642] Twin Cities & Western Railroad Company, the Estate of Douglas M. Head, and the DMH Trust fbo Martha M. Head--Continuance... Class III rail carrier, and the Estate of Douglas M. Head (the Estate), a noncarrier, to continue in...

  11. 78 FR 13917 - Self-Regulatory Organizations; The Depository Trust Company; Notice of Filing Amendment No. 1 and...

    Science.gov (United States)

    2013-03-01

    ... financial stability by, among other things, promoting uniform risk management standards for systemically.... Introduction On December 28, 2012, The Depository Trust Company (``DTC'') filed with the Securities and... systemic risk since the reversals may override DTC's risk management controls such as the Collateral...

  12. Trust

    OpenAIRE

    Bentham, R

    2016-01-01

    Rachel Bentham's 'Let All Tongues Flower' won her many new admirers for its 'openness to form' and 'strong yet subtle feminine sensibility'. It was also a Top 3 selling book on Amazon Kindle Women's Poetry. Here, in her new book 'Trust', she shows she is equally at home with the increasingly popular haiku form - using both classic 5-7-5 and free form haiku, she gives us more treasured and crafted glimpses into her 'unhindered and mostly joyful life'.

  13. Trust

    OpenAIRE

    Carro, Salvatore

    2006-01-01

    Il lavoro eseguito ha per oggetto il trust, istituto, come noto, estraneo alla nostra cultura giuridica, tipico dei sistemi di common law, riconosciuto e regolato dalla Convenzione dell’ Aja, firmata il 1°luglio 1985, ratificata in Italia con L. 16 ottobre 1989, n. 364, ed entrata in vigore il 1° giugno 1992. La ricerca svolta ha, in primo luogo, esaminato la fattispecie, con un approccio comparatistico, analizzando, nella prima parte, il contenuto e la controversa natura giuridica della c...

  14. SATISFACTION, TRUST AND COMMITMENT AS DIMENSIONS OF LOYALTY IN REAL ESTATE COMPANIES

    Directory of Open Access Journals (Sweden)

    Florin-Alexandru LUCA

    2016-07-01

    Full Text Available Relationship marketing activities are assessed in the end according to the profitability obtained by the company. However, the calculation of the obtained profit includes a lot of variables which are not related to the marketing activities. In these circumstances, it is more appropriate to perform the assessment of the results of the marketing activities at a more concrete level, by studying their possible determining factors. Some of the most important factors that determine customer loyalty are: Satifaction, Trust and Commitment.This article has two parts : a qualitative research stage and a quantitative research The stage of qualitative research consists of analyzing the research literature from this domain, which highlights the dimensions of Loyalty Construct, relevant for the real estate field. The stage of quantitative research aims at testing the proportion of content validity for the most commonly used variables in the real estate field of practice. The results describe an estimation of the dimensions of the Loyalty Construct for the case of real estate services.

  15. 78 FR 36781 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-06-19

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...

  16. 78 FR 73539 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-12-06

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...

  17. 77 FR 33217 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-05

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...

  18. 77 FR 34043 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2012-06-08

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... the HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...

  19. 78 FR 22545 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-04-16

    ... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...

  20. 78 FR 52391 - Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding...

    Science.gov (United States)

    2013-08-23

    ... report consolidated financial statements under GAAP. In response to the comments received, to avoid... companies that only file financial statements in accordance with SAP and do not report consolidated... Total Consolidated Assets of $50 Billion or More and Nonbank Financial Companies Supervised by the...

  1. 17 CFR 270.27d-2 - Insurance company undertaking in lieu of segregated trust account.

    Science.gov (United States)

    2010-04-01

    ... unassigned surplus, if a stock company, or (ii) unassigned surplus, if a mutual company, at least equal to... amendment thereto pursuant to the Securities Act of 1933 of the registered investment company issuing...

  2. 12 CFR 201.104 - Eligibility of consumer loans and finance company paper.

    Science.gov (United States)

    2010-01-01

    ... are acquired by a finance company from a dealer-seller of such homes. (e) The principles stated above..., marketing, and carrying of agricultural products or the breeding, raising, fattening, or marketing of...

  3. Professional Loan Officers’ Information Search Behavior After Reading Audit Report of a Financially Distressed Company

    DEFF Research Database (Denmark)

    Järvinen, Tuukka; Myllymäki, Emma-Riikka; Sormunen, Nina

    In order to respond to the concern about the relevance of auditor reporting when a firm is financially distressed, we examine whether the perceived quality of the signing audit firm (i.e. Big4 or non-Big4 auditor) and going-concern modification affects professional loan officers’ information search...... of going-concern modification significantly increases the attention to the audit report, and especially when it is signed by a Big4 auditor. Moreover, the information most explicitly mentioned in the going-concern paragraph is accessed quickly, indicating an attention directing effect of going......-concern paragraph, and this effect is the most evident when the audit report is signed by a Big4 auditor. Finally, the analyses of this study provide evidence on extensive versus superficial information search, which depends on the source credibility in addition to the presence of the going-concern modification...

  4. In Debt and in the Dark: It's Time for Better Information on Student Loan Defaults. Charts You Can Trust

    Science.gov (United States)

    Gillen, Andrew

    2013-01-01

    Student college loan default rates have nearly doubled in recent years. The three-year default rate exceeds 13 percent nationally. Tracking and reporting default rates is a crucial means of monitoring how well higher education dollars are spent. Yet, the way default data is gathered, measured, and reported by the federal government clouds…

  5. LOAN BROKERS

    Directory of Open Access Journals (Sweden)

    Adela IONESCU

    2014-05-01

    Full Text Available A loan is probably the most important financial decision we make in life. In a time when lack of time affects us in every way, including financially, we can only appeal to specialists if we want fast, reliable and quality long-term services. „The notion of “creditor” includes all legal entities, branches of credit institution and nonbankingfinancial institutions that operate in Romania and grant or undertake to grant loans in itscommercial of professional activity”. In the case of loans, the "specialist" has been called loan broker. Loan broker is a person trained in intermediating bank loans who offers advice on choosing the best financial solutions for each client. Through partnerships with banks in Romania, the broker has access to their credit products and assist customers in choosing the loan that best suits their financial needs and possibilities. Moreover, the broker will help in preparing loan application to be submitted to the bank and pursue it to its completion. Loan broker can be defined as the person authorized by the bank or non-bank financial institutions to promote their products through direct contact with natural or legal persons wishing to contract a loan, without any of the parties to have exclusivity. There can be defined as an independent bank or non-bank financial institution, as an intermediary between customers and banks. Through its financial advisors , the company helps customers overcome the difficulty of understanding the credit products, difficulties arising from the multitude of factors that compose such a product, especially in the case of a housing loan or mortgage. Each financial institution is doing everything possible through such partnerships to attract the largest possible portfolio of clients, therefore is developing a real network of brokers to be partners for local or national level (depending on the sites coverage of the branches of each institution on one or more types of credit products. The

  6. The Importance of Trust and Networking in the Learning Process of Polish Companies

    DEFF Research Database (Denmark)

    Lorentzen, Anne

    2002-01-01

    Innovation, learning and competitiveness are positively loaded concepts, which are in focus in today?s research on enterprise development. The paper shows that this challenge also faces companies in Central and Eastern Europe.......Innovation, learning and competitiveness are positively loaded concepts, which are in focus in today?s research on enterprise development. The paper shows that this challenge also faces companies in Central and Eastern Europe....

  7. IS CAPITAL LAUNDERING POSSIBLE THROUGH FRAUDULENT USE OF FIDUCIARY AGREEMENT BY TRUST/FIDUCIARY COMPANIES?

    Directory of Open Access Journals (Sweden)

    Andreea Corina Târșia

    2015-11-01

    Full Text Available Romanian jurists described the fiduciary agreement either by rendering texts of the Civil Code, or by taking over all or part of the definitions, opinions, interpretations and even some examples given by various authors, jurists, economists and financial experts in the bank field. However, after three years from its adoption, there is uncertai nty about the legal regime applicable to the fiduciary agreement, created by the ambiguity and contradictions of the texts of the Civil Code. So, as a first step, the Civil Code defines fiduciary agreement as a transfer of/and over certain rights composing the fiduciary assets (art. 773 and over these rights the trustee undertakes the exercise of the full, holder specific powers (art. 784 para. 1, but subsequently it states that the fiduciary assets consists of goods (art. 786. Secondly, the Civil Code suggests that the fiduciary agreement is a contract establishing first degree movable securities (art. 781 or a contract of mandate (art. 783 and, regarding the trustee’s remuneration, a contract of managing another person’s properties (art. 784 par. 2, being uncertain whether the administration is simple (art. 795 - art. 799 or full (art. 800 to art. 801. Also, although the Civil Code limits the fiduciary capacity exclusively to lawyers, public notaries and credit institutions, investment companies and investment management firms, financial investment services companies, legally established insurance and reinsurance companies (art. 776 par. 2 and para. 3, it does not describe the rationality of this option. These reasons make necessary the analysis of the legal status and professional duties of the fiduciary trustees, to understand the relevance of their specialized activity, in order to answer the question whether together with the specific risks of the transactions imposed by the fiduciary contract th ere is also a possible the risk of capital laundering. The answer to this question requires a

  8. Investigating the Relationship between Corporate Reputation and Customer Behavioral Intentions through Roles of Customer Trust, Customer Commitment and Customer Recognition (Case Study: Iran Insurance Company in Iran, Isfahan City)

    OpenAIRE

    Fariddeddin Allameh Haery; Hassan Ghorbani; Bahram Zamani

    2014-01-01

    Current study entitled "Investigating therelationship between corporate reputation and customer behavioral intentions through roles of customer trust, customer commitment and customer recognition" investigates the role of corporate reputation in purchase intention and tendency to pay premiums regarding variables such as trust, commitment and recognition of customers of Iran Insurance Company in Iran, Isfahan city. In this study regarding the proposed model there is a main hypothesis (which in...

  9. Analyzing the Influence of Ethical Sales Behavior on Customers Loyalty through Customer Satisfaction and Trust in Insurance Company

    OpenAIRE

    Razieh Pezhman; Mohammad Hossein Moshref Javadi; Arash Shahin

    2013-01-01

    The purpose of this study is to analysis of a model for investigation the influences of ethical sales behavior on customer loyalty in insurance industry with a case study in Parsian Insurance Company in Iran. The theoretical topics collected by means of library and Internet and the data was obtained from questionnaire. To analyze the data, the structural equation modeling embedded in the AMOS software was applied. The results of analyzing data reveal that the presented model is an appropriate...

  10. 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...

  11. Measuring Trust

    OpenAIRE

    Glaeser, Edward Ludwig; Laibson, David I.; Scheinkman, Jose A.; Soutter, Christine L.

    2000-01-01

    We combine two experiments and a survey to measure trust and trustworthiness—two key components of social capital. Standard attitudinal survey questions about trust predict trustworthy behavior in our experiments much better than they predict trusting behavior. Trusting behavior in the experiments is predicted by past trusting behavior outside of the experiments. When individuals are closer socially, both trust and trustworthiness rise. Trustworthiness declines when partners are of differen...

  12. 13 CFR 120.881 - Ineligible Projects for 504 loans.

    Science.gov (United States)

    2010-01-01

    ... financing real or personal property located outside the United States or its possessions). ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... A of this part, the following Projects are ineligible for 504 financing: (a) Relocation of any of...

  13. Uranium loans

    International Nuclear Information System (INIS)

    Anon.

    1990-01-01

    When NUEXCO was organized in 1968, its founders conceived of a business based on uranium loans. The concept was relatively straightforward; those who found themselves with excess supplies of uranium would deposit those excesses in NUEXCO's open-quotes bank,close quotes and those who found themselves temporarily short of uranium could borrow from the bank. The borrower would pay interest based on the quantity of uranium borrowed and the duration of the loan, and the bank would collect the interest, deduct its service fee for arranging the loan, and pay the balance to those whose deposits were borrowed. In fact, the original plan was to call the firm Nuclear Bank Corporation, until it was discovered that using the word open-quotes Bankclose quotes in the name would subject the firm to various US banking regulations. Thus, Nuclear Bank Corporation became Nuclear Exchange Corporation, which was later shortened to NUEXCO. Neither the nuclear fuel market nor NUEXCO's business developed quite as its founders had anticipated. From almost the very beginning, the brokerage of uranium purchases and sales became a more significant activity for NUEXCO than arranging uranium loans. Nevertheless, loan transactions have played an important role in the international nuclear fuel market, requiring the development of special knowledge and commercial techniques

  14. Trust repertoires for collaboration

    DEFF Research Database (Denmark)

    Fuglsang, Lars

    This case study analyses the role of trust in a public private innovation network that involved a private consultancy company as a facilitator. We know that collaboration is a important for innovation, and that collaboration across organizational boundaries is not a trivial issue. But we know very...... little about how such processes develop and how trust, understood as “confident positive expectations” (Lewicki et al. 1998) to collaborative activities, arises out of collaboration. The paper contributes by showing how trust and collaboration are intertwined. The main finding is that a facilitator can...

  15. 12 CFR 502.27 - How does OTS determine the risk/complexity component for a savings and loan holding company?

    Science.gov (United States)

    2010-01-01

    ... holding company's financial condition, financial independence of the savings association and other affiliates that are regulated financial entities, operational independence of the savings association and other affiliates that are regulated financial entities, reputational risks raised by affiliation with...

  16. 25 CFR 103.15 - Are there any prohibited loan terms?

    Science.gov (United States)

    2010-04-01

    ... otherwise lawful, a tribe may provide as loan security an assignment of trust income from a specific source. ... 25 Indians 1 2010-04-01 2010-04-01 false Are there any prohibited loan terms? 103.15 Section 103.15 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES LOAN GUARANTY...

  17. The Implementation of SWOT Analysis of People Economic Empowerment Business Loan (KUPEM in Jambi Province

    Directory of Open Access Journals (Sweden)

    Susi Desmaryani

    2016-11-01

    Full Text Available The problems of SMEs today are generally only able to survive but rarely oriented towards growth and capacity development of the company. One of the problems that hinder the growth of SMEs is financing problems. The government has tried to provide financing assistance in the form of soft loans, one of which is KUPEM, but SMEs do not have the commitment to running the business with loans that have been granted by the government. This study aims to determine the implementation strategy of People Economic Empowerment Business Loan (KUPEM in the Province of Jambi. The research method used was a case study with descriptive research type. The sample consists of 125 respondents. Sampling is conducted in a nonprobability sampling and purposive sampling. Data were analyzed using SWOT analysis. The results showed that the implementation of KUPEM by the Provincial Government of Jambi through internal analysis indicates the value of the power factor is still below the weakness factor. External analysis of People Economic Empowerment Business Loan still has a big opportunity than a threat factor. Therefore, People Economic Empowerment Business Loan continues because it can help the growth of the community effort by making strategic changes. Result of the study recommend to strengthen internal factors which are the analytical skills of relevant agencies that are trusted to provide recommendations for KUPEM loans, (1 Relevant agencies create mentoring programs to enhance the ability of SMEs actors, (2 Through the relevant agencies forming a group of associations between groups of SMEs, (3 Increasing motivation to make MSMEs business through counseling activity, and improve the competence of field educators, (4 Conduct analysis of the suitability of business in accordance with local conditions (in this case the state of nature, the public taste and the target market.

  18. Public trust: expectancies, beliefs, and behavior

    NARCIS (Netherlands)

    Alink, D.

    2014-01-01

    Most people think of trust as the bonding force between people in romantic, professional, and family relationships. Of growing importance however is public trust: trust in organizations that are not represented by a single person, such as companies, non-profit organizations and governmental

  19. EFFECTS OF TRUST FUND MODEL CREDIT INTERVENTION ON ...

    African Journals Online (AJOL)

    IBUKUN

    Agricultural credit encompasses all loans and advances granted to borrowers to finance ... Governmental Organizations (NGOs) place funds in trust with lending banks to augment the small ..... AJFAND online Scholarly Peer Reviewed, 12 (3).

  20. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...

  1. 7 CFR 1751.103 - Loan and loan advance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...

  2. 7 CFR 4290.810 - Financings in the form of Loans.

    Science.gov (United States)

    2010-01-01

    ...-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BUSINESS INVESTMENT COMPANY...-Types of Financings § 4290.810 Financings in the form of Loans. You are permitted to make Loans to an...

  3. Consumer Trust in E-commerce

    OpenAIRE

    Gustavsson, Malin; Johansson, Anne-Marie

    2006-01-01

    An often mentioned reason for consumers not purchasing from Internet vendors, is the lack of trust. The lack of physical clues and physical interaction in the online environment make it more difficult to establish trust with the consumers. So, it is important for companies to learn how to manage consumers’ trust in e-commerce. Although, building consumer trust on the Internet is a challenge for online vendors. The purpose with this dissertation was to get a better understanding of consumer t...

  4. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... Financial transactions through manual system of operation .... Integrated Financial Accounting. The accounting processes for loans are supported within Loans ... principal and interest, and print checks, payment receipts, or ...

  5. 78 FR 21424 - Royce Value Trust, Inc., et al.;

    Science.gov (United States)

    2013-04-10

    ... small- and micro-cap companies. Value Trust has a non-fundamental investment policy that limits its... deemed to be underwriting shares of Global Trust's common stock. Value Trust has a fundamental investment... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30448; File No. 812-13880...

  6. 77 FR 67689 - Fidelity Aberdeen Street Trust, et al.;

    Science.gov (United States)

    2012-11-13

    ...] Fidelity Aberdeen Street Trust, et al.; Notice of Application November 6, 2012. AGENCY: Securities and... arrangements (``Prior Order'').\\1\\ \\1\\ Colchester Street Trust, et al., Investment Company Act Release Nos... Trust, et al., Investment Company Act Release Nos. 23787 (Apr. 15, 1999) (notice) and 23831 (May 11...

  7. Rethinking trust.

    Science.gov (United States)

    Kramer, Roderick M

    2009-06-01

    Will we ever learn? We'd barely recovered from Enron and WorldCom before we faced the subprime mortgage meltdown and more scandals that shook our trust in businesspeople. Which raises the question: Do we trust too much? In this article, Stanford professor and social psychologist Kramer explores the reasons we trust so easily--and, often, so unwisely. He explains that genetics and childhood learning make us predisposed to trust and that it's been a good survival mechanism. That said, our willingness to trust makes us vulnerable. Our sense of trust kicks in on remarkably simple cues, such as when people look like us or are part of our social group. We also rely on third parties to verify the character of others, sometimes to our detriment (as the victims of Bernard Madoff learned). Add in our illusions of invulnerability and our tendencies to see what we want to see and to overestimate our own judgment, and the bottom line is that we're often easily fooled. We need to develop tempered trust. For those who trust too much, that means reading cues better; for the distrustful, it means developing more receptive behaviors. Everyone should start with small acts of trust that encourage reciprocity and build up. Having a hedge against potential abuses also helps. Hollywood scriptwriters, for instance, register their treatments with the Writers Guild of America to prevent their ideas from being stolen by the executives they pitch. To attract the right relationships, people must strongly signal their own honesty, proactively allay concerns, and, if their trust is abused, retaliate. Trusting individuals in certain roles, which essentially means trusting the system that selects and trains them, also works but isn't foolproof. And don't count on due diligence alone for protection; constant vigilance is needed to make sure the landscape hasn't changed.

  8. Federal Student Loan Programs

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

    For those needing a loan to attend college, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This brief report answers the following questions about federal aid: (1) What is a federal student loan?; (2) What is a private…

  9. 77 FR 67029 - Arden Investment Series Trust and Arden Asset Management LLC; Notice of Application

    Science.gov (United States)

    2012-11-08

    ... Investment Series Trust and Arden Asset Management LLC; Notice of Application November 2, 2012. AGENCY... disclosure requirements. Applicants: Arden Investment Series Trust (the ``Trust'') and Arden Asset Management... Company Regulation, Division of Investment Management). SUPPLEMENTARY INFORMATION: The following is a...

  10. 12 CFR 563.43 - Loans by savings associations to their executive officers, directors and principal shareholders.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Loans by savings associations to their... § 563.43 Loans by savings associations to their executive officers, directors and principal shareholders...) that is a savings and loan holding company. A company has control over a saving association if it...

  11. Organizational trust or beyond appearances

    Directory of Open Access Journals (Sweden)

    Maria Dromereschi

    2010-12-01

    Full Text Available People and organizations to whom I am giving life to have an enormous need to trust and be trustworthy. Trust represents a fragile asset who needs to be invested in, which is difficult to obtain and takes time to obtain it, but which can be easily broken. Paradoxically, it is a universal trade currency, world-widely understood and appreciated. The relations based on trust are those which determine a company to grow and create a competitive advantage. Trust generates trust. It is the one that inspires and motivates, requires the preservation of a certain set of values, mainly sincerity, fairness, perseverance and a real preoccupation for meeting the needs of other people.

  12. Trusted computing strengthens cloud authentication.

    Science.gov (United States)

    Ghazizadeh, Eghbal; Zamani, Mazdak; Ab Manan, Jamalul-lail; Alizadeh, Mojtaba

    2014-01-01

    Cloud computing is a new generation of technology which is designed to provide the commercial necessities, solve the IT management issues, and run the appropriate applications. Another entry on the list of cloud functions which has been handled internally is Identity Access Management (IAM). Companies encounter IAM as security challenges while adopting more technologies became apparent. Trust Multi-tenancy and trusted computing based on a Trusted Platform Module (TPM) are great technologies for solving the trust and security concerns in the cloud identity environment. Single sign-on (SSO) and OpenID have been released to solve security and privacy problems for cloud identity. This paper proposes the use of trusted computing, Federated Identity Management, and OpenID Web SSO to solve identity theft in the cloud. Besides, this proposed model has been simulated in .Net environment. Security analyzing, simulation, and BLP confidential model are three ways to evaluate and analyze our proposed model.

  13. Trusted Computing Strengthens Cloud Authentication

    Directory of Open Access Journals (Sweden)

    Eghbal Ghazizadeh

    2014-01-01

    Full Text Available Cloud computing is a new generation of technology which is designed to provide the commercial necessities, solve the IT management issues, and run the appropriate applications. Another entry on the list of cloud functions which has been handled internally is Identity Access Management (IAM. Companies encounter IAM as security challenges while adopting more technologies became apparent. Trust Multi-tenancy and trusted computing based on a Trusted Platform Module (TPM are great technologies for solving the trust and security concerns in the cloud identity environment. Single sign-on (SSO and OpenID have been released to solve security and privacy problems for cloud identity. This paper proposes the use of trusted computing, Federated Identity Management, and OpenID Web SSO to solve identity theft in the cloud. Besides, this proposed model has been simulated in .Net environment. Security analyzing, simulation, and BLP confidential model are three ways to evaluate and analyze our proposed model.

  14. Trusted Computing Strengthens Cloud Authentication

    Science.gov (United States)

    2014-01-01

    Cloud computing is a new generation of technology which is designed to provide the commercial necessities, solve the IT management issues, and run the appropriate applications. Another entry on the list of cloud functions which has been handled internally is Identity Access Management (IAM). Companies encounter IAM as security challenges while adopting more technologies became apparent. Trust Multi-tenancy and trusted computing based on a Trusted Platform Module (TPM) are great technologies for solving the trust and security concerns in the cloud identity environment. Single sign-on (SSO) and OpenID have been released to solve security and privacy problems for cloud identity. This paper proposes the use of trusted computing, Federated Identity Management, and OpenID Web SSO to solve identity theft in the cloud. Besides, this proposed model has been simulated in .Net environment. Security analyzing, simulation, and BLP confidential model are three ways to evaluate and analyze our proposed model. PMID:24701149

  15. 76 FR 12109 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-03-04

    ... Bank and Trust Panama City Florida. First Federal Savings and Loan of Valdosta Georgia. Valdosta... Wisconsin. Paper City Savings Association Wisconsin Rapids Wisconsin. Rural American Bank--Luck Luck...

  16. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...

  17. 13 CFR 107.810 - Financings in the form of Loans.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Financings in the form of Loans... INVESTMENT COMPANIES Financing of Small Businesses by Licensees Structuring Licensee's Financing of Eligible Small Businesses: Types of Financing § 107.810 Financings in the form of Loans. You may make Loans to...

  18. Trust matters

    DEFF Research Database (Denmark)

    Østergaard, Lise Rosendal

    2015-01-01

    This article makes a contribution to the debate about health service utilisation and the role of trust in fostering demand for health services in sub-Saharan Africa. It is framed as a narrative literature review based on a thematic analysis of nine empirical, qualitative studies. For the purposes...... of this article trust is defined as a voluntary course of action, which involves the optimistic expectation that the trustee will do no harm to the trustor and is increasingly perceived as an important influence on health system functioning. The article looks at trust issues in interpersonal, intergroup...... and institutional situations. The findings of the review point to four elements that are important for trust to develop in health sector relationships: the sensitive use of discretionary power by health workers, perceived empathy by patients of the health workers, the quality of medical care and workplace...

  19. Trust conceptualized as a corporate knowledge asset

    OpenAIRE

    Rodgers, Waymond; Gago Rodríguez, Susana

    2006-01-01

    To most individuals, "trust" can be viewed as a knowledge corporate asset that may add, or rest, value to the company. The role of knowledge in achieving a competitive advantage is becoming and increasingly important management issue in all business and non-business sectors. As such, our Throughput Modeling approach indicates how six different trust behaviors can be guided, how trust decision making can be improved and made defensible, and how special problems facing individuals can be dealt ...

  20. Can we trust robots?

    NARCIS (Netherlands)

    Coeckelbergh, Mark

    2011-01-01

    Can we trust robots? Responding to the literature on trust and e-trust, this paper asks if the question of trust is applicable to robots, discusses different approaches to trust, and analyses some preconditions for trust. In the course of the paper a phenomenological-social approach to trust is

  1. Trust and safety in the coalmining sector

    Energy Technology Data Exchange (ETDEWEB)

    Sinclair, D.

    2008-01-01

    There is growing evidence that a lack of trust is a serious impediment to OHS outcomes. This paper describes a project that investigated trust through an in-depth analysis at a number of mines and across a number of coal mining companies.

  2. 75 FR 678 - Federal Home Loan Bank Membership for Community Development Financial Institutions

    Science.gov (United States)

    2010-01-05

    ... financial support are: (1) Federally regulated insured depository institutions and their holding companies... that provide health care, childcare, educational, cultural, or social services; and (4) community... association, savings and loan association, cooperative bank, homestead association, insurance company, savings...

  3. effect of the subsidized students' loan on university enrolment

    African Journals Online (AJOL)

    User

    maintained for all Ghanaian students but they were to pay for room, meals, ... was replaced by the Students Loan Trust Fund ... given amount of investment in human capital is identical for all .... of order one i.e. the first difference must be stationary ..... the Analysis of Long Run Relation- ships. Discussion Paper no. 46, Edin-.

  4. Trust in Client-Vendor Relations

    DEFF Research Database (Denmark)

    Tøth, Thomas

    2014-01-01

    In an ever more globalized world we are faced with the challenges of collaborating across geographical distance. This article examines how trust is established in an offshore outsourcing engagement of IT operations between a leading Danish media company and an Indian IT-service provider. The find......, by imitating the way they communicate face-to-face, when collaborating virtually....... and organizational boundaries within the field of IT offshore outsourcing. The article concludes that trust is primarily established when the teams are meeting face-to-face and in order to establish trust at a distance they are dependent on technology being readily available and on engaging in active trust building...

  5. 78 FR 21428 - Royce Focus Trust, Inc., et al.;

    Science.gov (United States)

    2013-04-10

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30447; File No. 812-14034] Royce Focus Trust, Inc., et al.; Notice of Application April 4, 2013. AGENCY: Securities and Exchange... prior order (``Prior Order'').\\1\\ \\1\\ Royce Global Trust, Inc., et al., Investment Company Act Release...

  6. Trust Ownership of the Tata Group

    DEFF Research Database (Denmark)

    Thomsen, Steen

    The Indian Tata Group is one of the largest and most admired business groups in the world. It has 28 listed subsidiaries and more than 80 operating businesses. It has shown strong financial performance and social responsibility for decades. Interestingly, it has a unique ownership structure......: the main holding company Tata Sons Limited is majority-owned by charitable trusts. We examine the governance of this remarkable entity. The Trusts own 66% of Tata Sons, the main holding company of the Group, while members of the founding Tata family are very small minority shareholders. The governance...... structure is characterized by managerial distance between trusts and Group companies. The Trusts are almost exclusively concerned with philanthropy, and according to the Articles of Association of Tata Sons Limited, their governance role is limited to nominating two members to the Selection Committee which...

  7. Trusted Domain

    DEFF Research Database (Denmark)

    Hjorth, Theis Solberg; Torbensen, Rune

    2012-01-01

    remote access via IP-based devices such as smartphones. The Trusted Domain platform fits existing legacy technologies by managing their interoperability and access controls, and it seeks to avoid the security issues of relying on third-party servers outside the home. It is a distributed system...... of wireless standards, limited resources of embedded systems, etc. Taking these challenges into account, we present a Trusted Domain home automation platform, which dynamically and securely connects heterogeneous networks of Short-Range Wireless devices via simple non-expert user. interactions, and allows......In the digital age of home automation and with the proliferation of mobile Internet access, the intelligent home and its devices should be accessible at any time from anywhere. There are many challenges such as security, privacy, ease of configuration, incompatible legacy devices, a wealth...

  8. Trusted Objects

    International Nuclear Information System (INIS)

    CAMPBELL, PHILIP L.; PIERSON, LYNDON G.; WITZKE, EDWARD L.

    1999-01-01

    In the world of computers a trusted object is a collection of possibly-sensitive data and programs that can be allowed to reside and execute on a computer, even on an adversary's machine. Beyond the scope of one computer we believe that network-based agents in high-consequence and highly reliable applications will depend on this approach, and that the basis for such objects is what we call ''faithful execution.''

  9. Entrance Counseling Guide for Direct Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

    This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…

  10. 75 FR 7637 - iShares Trust, et al.; Notice of Application

    Science.gov (United States)

    2010-02-22

    ... for short-term cash management purposes. For the Commission, by the Division of Investment Management... management investment companies (``Investing Management Companies'') and unit investment trusts (``Investing UITs,'' collectively with Investing Management Companies, ``Investing Funds'') to acquire shares of...

  11. 7 CFR 1901.505 - Certificates of beneficial ownership in FmHA or its successor agency under Public Law 103-354 loans.

    Science.gov (United States)

    2010-01-01

    ... ownership in FmHA or its successor agency under Public Law 103-354 loans. (a) Special trust of loans—(1) Establishment of special trusts. From time to time FmHA or its successor agency under Public Law 103-354 will... successor agency under Public Law 103-354 will own an interest in special trusts equal to the amount by...

  12. 12 CFR 5.35 - Bank service companies.

    Science.gov (United States)

    2010-01-01

    .... (d) Definitions—(1) Bank service company means a corporation or limited liability company organized... liability company. (2) Limited liability company means any non-corporate company, partnership, trust, or..., obligation, or liability of the company solely by reason of being, or acting as, a member or manager of such...

  13. The Parent Loan Trap

    Science.gov (United States)

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

    As the cost of college has spiraled ever upward and median family income has fallen, the loan program, called Parent PLUS, has become indispensable for increasing numbers of parents desperate to make their children's college plans work. Last year the government disbursed $10.6-billion in Parent PLUS loans to just under a million families. Even…

  14. 75 FR 16529 - Legg Mason Partners Equity Trust, et al.; Notice of Application

    Science.gov (United States)

    2010-04-01

    ...] Legg Mason Partners Equity Trust, et al.; Notice of Application March 26, 2010. AGENCY: Securities and... investment companies. APPLICANTS: Legg Mason Partners Equity Trust (``LMP Equity Trust''), Legg Mason... ``Trusts'') and Legg Mason Partners Fund Advisor, LLC (``LMPFA'' or the ``Adviser''). FILING DATES: The...

  15. Philippines: Population: USAID loan.

    Science.gov (United States)

    The Philippines and the United States Agency for International Development signed an agreement on Christmas Day for a US $5.7 million loan and a US $6 million grant for the country's population program. The loan, which matures in 40 years, carries a 2% interest per year for the first 10 years, and 3% thereafter. A 10-year grace period is provided. The US $11.7 million loan and grant package is the first part of USAID's pledge of US $26.9 million in loan and US $29.8 million in grants for the population project. The agreement was signed by Finance Minister Cesar Virata and USAID director Anthony Schwarzwalder. The total loan package of US $57.7 million will be given in the next 5 years.

  16. Equilibrium Trust

    OpenAIRE

    Luca Anderlini; Daniele Terlizzese

    2009-01-01

    We build a simple model of trust as an equilibrium phenomenon, departing from standard "selfish" preferences in a minimal way. Agents who are on the receiving end of an other to transact can choose whether to cheat and take away the entire surplus, taking into account a "cost of cheating." The latter has an idiosyncratic component (an agent's type), and a socially determined one. The smaller the mass of agents who cheat, the larger the cost of cheating suffered by those who cheat. Depending o...

  17. Enacting Trust

    OpenAIRE

    Campbell, Brian

    2012-01-01

    Small and removed from the Spanish mainland, the Enclave of Ceuta has always depended\\ud on flows of goods and labour out of the Moroccan hinterland, with individuals from\\ud different ethnic and religious groups forming informal, flexible and personal economic\\ud bonds based on mutual ‘confianza’ (trust). Since its entry into the European Union in 1986,\\ud the Spanish government has erected a border-wall around the enclave, and introduced new\\ud migration policies branding many informal work...

  18. Trusting the state, trusting each other?

    DEFF Research Database (Denmark)

    Sønderskov, Kim Mannemar; Dinesen, Peter Thisted

    2016-01-01

    Trust in state institutions is a prominent explanation of social trust. However, previous—mainly cross-sectional—analyses provide limited causal evidence regarding the relationship between institutional trust and social trust and it is thus essentially unknown whether an observed relationship...... reflects reverse causality (social trust forming institutional trust), or both forms of trust reflecting deep-seated dispositions (common confounding). Against the backdrop of the shortcomings of previous cross-sectional analyses, this paper utilizes two Danish panel surveys containing measures of both...... types of trust for the same individuals surveyed at multiple points in time over a long time-span (up to 18 years) to address the potentially reverse and/or spurious relationship. Using individual fixed effects and cross-lagged panel models, the results provide strong evidence of trust in state...

  19. 76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-12-20

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan... amends a Department of Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans in default. Specifically, changes are made to requirements related to maximum...

  20. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

    ... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...

  1. Learning to Trust

    NARCIS (Netherlands)

    Nooteboom, B.

    2005-01-01

    Trust is full of puzzle and paradox.Trust is both rational and emotional. Trust can go beyond calculative self-interest, but has its limits.People may want to trust, while they may also feel threatened by it.If trust is not in place prior to a relationship, on the basis of institutions, prior

  2. 25 CFR 152.34 - Approval of mortgages and deeds of trust.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Approval of mortgages and deeds of trust. 152.34 Section 152.34 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER ISSUANCE OF PATENTS IN FEE, CERTIFICATES OF COMPETENCY, REMOVAL OF RESTRICTIONS, AND SALE OF CERTAIN INDIAN LANDS Mortgages and Deeds of Trust to Secure Loans to...

  3. 76 FR 35086 - Atlantic Bank & Trust, Charleston, SC; Notice of Appointment of Receiver

    Science.gov (United States)

    2011-06-15

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Atlantic Bank & Trust, Charleston, SC... section 5(d)(2) of the Home Owners' Loan Act, the Office of Thrift Supervision has duly appointed the Federal Deposit Insurance Corporation as sole Receiver for Atlantic Bank & Trust, Charleston, South...

  4. Structure of a Global Network of Financial Companies Based on Transfer Entropy

    Directory of Open Access Journals (Sweden)

    Leonidas Sandoval

    2014-08-01

    Full Text Available This work uses the stocks of the 197 largest companies in the world, in terms of market capitalization, in the financial area, from 2003 to 2012. We study the causal relationships between them using Transfer Entropy, which is calculated using the stocks of those companies and their counterparts lagged by one day. With this, we can assess which companies influence others according to sub-areas of the financial sector, which are banks, diversified financial services, savings and loans, insurance, private equity funds, real estate investment companies, and real estate trust funds. We also analyze the exchange of information between those stocks as seen by Transfer Entropy and the network formed by them based on this measure, verifying that they cluster mainly according to countries of origin, and then by industry and sub-industry. Then we use data on the stocks of companies in the financial sector of some countries that are suffering the most with the current credit crisis, namely Greece, Cyprus, Ireland, Spain, Portugal, and Italy, and assess, also using Transfer Entropy, which companies from the largest 197 are most affected by the stocks of these countries in crisis. The aim is to map a network of influences that may be used in the study of possible contagions originating in those countries in financial crisis.

  5. Trust us Trust Thorp Campaign

    International Nuclear Information System (INIS)

    Kane, John

    1995-01-01

    The history of the nuclear industry in the UK has been dominated by Sellafield reprocessing site in west Cumbria. The site, formerly owned by the United Kingdom Atomic Energy Authority was transferred to the newly-formed British Nuclear Fuels plc in 1971. Although trade union representation existed at Sellafield before the emergence of BNFL, it is only after this date that collective trade union activity began to emerge. In 1977, after a long running dispute with management about the issue of radiation dose uptake, the workforce went on strike, forcing the management to question their previous 'need to know' attitude and to improve industrial relations. In 1984, it was recognised that the lobbying influence of trade unions within politics, and especially the Labour party could be used to greater effect to challenge potentially -damaging influence of anti-nuclear campaigners. The National Campaign for the Nuclear Industry (NCNI) was born, combining nine industrial and non-industrial trade unions within the nuclear industry. Its task during the last ten years has been to put forward the interests of its members collectively and to secure the, role of nuclear power. within a balanced energy policy in the political arena. In dome so, it has gained a credible voice within both the trade union movement and the Labour party. The new Thermal Oxide Reprocessing Plant (THORP) received strong support from the NCNI during its construction and commissioning phases. When it became clear that the anti-nuclear lobby had gained the upper hand and were beginning to seriously delay the necessary legal instruments required to start the plant, the power of collective action was once again recognised, and the TRUST US campaign was born. The campaign was run and organised by a clerks committee and fronted by the Trade Unions at Sellafield., and turned out to be one of the most successful] trade union campaigns in recent history. The first task involved getting, the entire workforce on

  6. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

    African financial deepening is beset by a high rate of loan defaults, which encourages banks to hold liquid assets instead of lending. We put forward a novel theoretical model that captures the salient features of African credit markets which shows that equilibrium with high loan defaults and low lending can arise when contract enforcement institutions are weak, investment opportunities are relatively scarce and information imperfections abound. We provide evidence using a panel of 110 banks ...

  7. THE ROLE OF TRUST AND PERCEIVED RISK IN ELECTRONIC COMMERCE

    Directory of Open Access Journals (Sweden)

    NICULA DANA LAURA

    2014-05-01

    Full Text Available Trust and risk are very important in consumers' electronic commerce purchasing decisions. How do trust and risk affect an Internet consumer's purchasing decision? To answer this question I’ve developed a theoretical framework describing the trust-based decision-making process a consumer uses when making a purchase from a given site. Consumer disposition to trust, reputation, privacy concerns, security concerns, the information quality of the Website, and the company's reputation, have strong effects on Internet consumers' trust in the Website.

  8. Control and trust impact on outsourcing

    DEFF Research Database (Denmark)

    Herbert-Hansen, Zaza Nadja Lee; Rasmussen, Lauge Baungaard; Schmidt, Andreas Strøjer Tynan

    This paper examines the relationships between control, trust and inter-organizational learning in outsourcing relationships, focusing on the question: How do different trust and control strategies affect the sharing and withholding of knowledge between client and vendor? Four studies are conducted......; one, large international client company and three of its vendors. Based on these cases and a literature review, various trust and control strategies are examined, and factors influencing the mutual knowledge interaction are identified. The results show an internal disagreement among managers...

  9. Bad Loans and Loan Write-Offs

    OpenAIRE

    福田, 慎一; 鯉渕, 賢

    2006-01-01

    In this paper, we investigate who bears the burden when writing off bad loans in Japan. Traditionally, Japanese main banks bore large burdens in saving their customers. We still find that some main banks bear a large burden in saving their customers. However, in most cases, main banks became very reluctant to bear large burdens when bailing out their customers. In the transition from the bank-based system to a market-based system, traditional implicit rules are collapsing dramatically. We sug...

  10. 12 CFR 250.221 - Issuance and sale of short-term debt obligations by bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... are, at present, a small loan company, a mortgage banking company and a factoring company. In no... substantial contraction and would be an integral part of its operations, the Board concluded that the issuance...

  11. Modelling the Antecedent and Consequence of Consumer Perceived Deception in Loan Services

    OpenAIRE

    Mbawuni Joseph; Simon Gyasi Nimako

    2015-01-01

    This paper assesses the antecedent and consequence of consumer perceived deception (CPD) on consumer trust, satisfaction, attitude recommendation and intentions to acquire future loans from financial service providers. The proposed research model was tested using data from a survey of 371 loan customers of leading financial service providers in Ghana. Data were analysed using SmartPLS 2.0 for Partial Least Squares Structural Equation Modelling. The results show high information quality could ...

  12. Trust in Scientific Publishing

    NARCIS (Netherlands)

    Hummels, Harry; Roosendaal, Hans E.

    2001-01-01

    Trust is an important phenomenon to reduce organisational complexity and uncertainty. In the literature many types of trust are distinguished. An important framework to understand the variety and development of trust in organisations is provided by Zucker. She distinguishes three types of trust:

  13. Trust and Leadership

    DEFF Research Database (Denmark)

    Bordum, Anders

    2005-01-01

    The concept and phenomenon of trust and its relation to leadership has recently come into focus. What role does trust play? Can trust be created strategically? Questions like these are often raised. How we conceive of and conceptualize trust is not as often discussed. Among those conceptualizations...... flexibility of form for example, the idea that one with leadership tools can consciously bring forth trust. In the conclusion, the question about trust communication is addressed. In this section I argue that trust is positively value-laden, becausesincerity is a functional and pragmatic condition...

  14. Building Trust in High-Performing Teams

    Directory of Open Access Journals (Sweden)

    Aki Soudunsaari

    2012-06-01

    Full Text Available Facilitation of growth is more about good, trustworthy contacts than capital. Trust is a driving force for business creation, and to create a global business you need to build a team that is capable of meeting the challenge. Trust is a key factor in team building and a needed enabler for cooperation. In general, trust building is a slow process, but it can be accelerated with open interaction and good communication skills. The fast-growing and ever-changing nature of global business sets demands for cooperation and team building, especially for startup companies. Trust building needs personal knowledge and regular face-to-face interaction, but it also requires empathy, respect, and genuine listening. Trust increases communication, and rich and open communication is essential for the building of high-performing teams. Other building materials are a shared vision, clear roles and responsibilities, willingness for cooperation, and supporting and encouraging leadership. This study focuses on trust in high-performing teams. It asks whether it is possible to manage trust and which tools and operation models should be used to speed up the building of trust. In this article, preliminary results from the authors’ research are presented to highlight the importance of sharing critical information and having a high level of communication through constant interaction.

  15. Balancing Trust and Control

    DEFF Research Database (Denmark)

    Jagd, Søren

    This paper focuses on the leadership challenge of balancing trust and control. The relation between trust and control has for a long time been a puzzling issue for management researchers. In the paper I first show that there has been a dramatic change in the way the relation between trust...... and control has been conceptualized in trust research. While the relation between trust and control earlier was conceptualized as a more or less stable balance between trust and control, more recent research conceptualizes the relation between trust and control more as a dynamical process that involves...... an ongoing process of balancing the relation between trust and control. Second, taking the departure in the recent conceptualization of the balance between trust and control as an interactive process I discuss the challenges for management in handling this more subtle balancing of trust and control...

  16. 7 CFR 1710.50 - Insured loans.

    Science.gov (United States)

    2010-01-01

    ... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... determined pursuant to 7 CFR part 1714, and the borrower may elect to include in the loan documents a...

  17. 7 CFR 1710.51 - Direct loans.

    Science.gov (United States)

    2010-01-01

    ... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... borrowers. (b) Loan documents. Successful applicants will be required to execute and deliver to RUS a...

  18. Trust in vehicle technology

    OpenAIRE

    Walker, Guy, H.; Stanton, Neville, A.; Salmon, Paul

    2016-01-01

    Driver trust has potentially important implications for how vehicle technology is used and interacted with. In this paper it will be seen how driver trust functions and how it can be understood and manipulated by insightful vehicle design. It will review the theoretical literature to define steps that can be taken establish trust in vehicle technology in the first place, maintain trust in the long term, and even re-establish trust that has been lost along the way. The implication throughout i...

  19. 7 CFR 765.402 - Transfer of security and loan assumption on same rates and terms.

    Science.gov (United States)

    2010-01-01

    .... (3) A corporation, including limited liability company, or cooperative, the transferee must: (i) Have... personal liability for the loan; (d) A new entity buys the borrower entity and continues to operate the...

  20. Building trust

    International Nuclear Information System (INIS)

    Lewis, Meriel

    1995-01-01

    'Activate' is the energy magazine for secondary schools and is part of the Education Programme which is managed on behalf of the British Nuclear Industry Forum by AEA Technology. activate is the flagship communication device between the British Nuclear Industry Forum's Education Programme and secondary schools in the UK. It was developed from a previous publication, Nuclear Bulletin. There is a need for the nuclear industry to build trust with teachers and students in the UK, where for a long time, everything that the industry has said, written or printed has been disregarded by school teachers as propaganda. Over the last few years the industry has put in a great deal of effort to position itself as a provider of educationally sound and socially acceptable information. 'Activate' was an evolution of this idea and there was a hole in the market for a lively, activity and article based magazine that could be used in the classroom. The target audience is principally teachers of science, mathematics and geography, but also includes teachers of art,, English and history with students of between 11 and 18. The results were very positive in that teachers appreciated the colourful and lively nature of activate and they felt that it provided information and opinions in an un biased and non-propagandist way. Their comments about layout, number of activities style of presentation were taken into account and during the summer of 1994 activate was remodelled ready for re launch in September. The feedback so far is good with more teachers signing up every week to receive their own free copy

  1. 78 FR 48205 - Ranger Alternative Management, L.P. and Ranger Funds Investment Trust; Notice of Application

    Science.gov (United States)

    2013-08-07

    ... Alternative Management, L.P. and Ranger Funds Investment Trust; Notice of Application August 1, 2013. AGENCY... Management, L.P. (``Ranger'') and Ranger Funds Investment Trust (the ``Trust''). Summary of Application... (e) certain registered management investment companies and unit investment trusts outside of the same...

  2. INNOVATION - THE ROLE OF TRUST

    Directory of Open Access Journals (Sweden)

    Kornélia Lazányi

    2017-11-01

    Full Text Available Innovations and constant change are inevitable parts of our everyday lives. It is not only because advanced technologies are more effective, but mostly because in the 21st century more and more realise that scarce resources – among them the safe and clean environment as such - necessitate a paradigm change and intense innovation. This revolution is easily trackable in the organisational and (supranational policies. However, innovation, and its necessary prerequisites are seldom investigated from the individuals’ point of view. It is easy to understand that inter-organisational trust is inevitable on both the consumers’ and the providers’ (innovators’ side, however, it has to be made clear that an innovative organisation has to create a trusting environment within the company, in order to foster collaboration, the generation of new ideas, creativity and finally innovation. The present paper endeavours to call attention to the notion of trust and its antecedents and consequences in relation to innovations. The aim is to provide assistance in understanding how to develop trust in each other and hence foster further innovations and development.

  3. 7 CFR 2201.19 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...

  4. 5 CFR 1655.14 - Loan payments.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...

  5. 7 CFR 1436.7 - Loan term.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN PROGRAM REGULATIONS § 1436.7 Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7...

  6. 13 CFR 400.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 400.202 Section 400.202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed...

  7. 7 CFR 764.401 - Loan decision.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision. 764.401 Section 764.401 Agriculture... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.401 Loan decision. (a) Loan approval. (1) The Agency will approve a loan only if it determines that: (i) The applicant's farm operating...

  8. 7 CFR 1710.407 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward...

  9. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500.204 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the...

  10. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

  11. 7 CFR 1710.406 - Loan approval.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan approval. 1710.406 Section 1710.406 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.406 Loan approval. (a) A loan is approved when the Administrator...

  12. 13 CFR 500.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 500.202 Section 500.202 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.202 Loan amount. The aggregate amount of loan...

  13. 7 CFR 1710.113 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1710.113 Section 1710.113 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.113 Loan security. (a) RUS makes loans only if, in the judgment of the...

  14. 7 CFR 1735.22 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1735.22 Section 1735.22 Agriculture... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the...

  15. 7 CFR 762.121 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 762.121 Section 762.121 Agriculture... SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.121 Loan purposes. (a) Operating Loan purposes. (1) Loan... the need to refinance; (viii) Payment of loan closing costs; (ix) Payment of costs associated with...

  16. 7 CFR 1738.22 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1738.22 Section 1738.22 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the security therefore is...

  17. 7 CFR 1737.92 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final Loan Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the...

  18. Online trust building through third party trust transfer and third party protection

    Science.gov (United States)

    Wandoko, Wanda; Saleh Abbas, Bahtiar; Budiastuti, Dyah; Kosala, Raymond

    2017-03-01

    The primary objective of this research is to develop an online trust building mechanism for SME (Small Medium Enterprise). Trust is very important in e-commerce. The nature of online shopping has a greater uncertainty than offline shopping. Seeing as there is an uncertainty that can produce risks, a prospective buyer’s trust is needed. A lot of people’s unwillingness to shop online is caused by their lack of trust toward e-commerce. E-commerce is said to be one of the ways for SME to compete with bigger companies. However, building trust requires immense time and cost. SME with limited resources may experience difficulties in building trust just with their own resources. Base on literature research that needs to be validated in next research, we found that trust can be built through trust transfer from the reputable and well-known trust-mark issuer, and third party protection such as escrow account service and credit card issuer.

  19. 78 FR 29787 - ALPS ETF Trust, et al.;

    Science.gov (United States)

    2013-05-21

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30519; 812-13884] ALPS ETF...(d)(1)(A) and (B) of the Act. APPLICANTS: ALPS ETF Trust (``Trust''), ALPS Advisors, Inc. (``Adviser... actively managed exchange-traded fund (``ETF''). \\1\\ All entities that currently intend to rely on the...

  20. The Making and Breaking of Trust in Pension Providers

    NARCIS (Netherlands)

    van Dalen, H.P.; Henkens, K.

    2017-01-01

    Trust in pension institutions is pivotal in making pension decisions, like saving or enrolling in pension programs. But which traits of pension institutions matter in making or breaking trust in providers like pension funds, banks or insurance companies? This paper presents an empirical analysis of

  1. Trust, Knowledge Creation and Mediating Effects of Knowledge Transfer Processes

    Directory of Open Access Journals (Sweden)

    Anna Sankowska

    2016-01-01

    Full Text Available This paper investigates how organizational trust contributes to knowledge transfer processes and knowledge creation both directly and indirectly. The mediation analyses were used. The findings using cross-sectional data from Polish companies suggest a new way of thinking in respect of how crucial is trust to creation of knowledge unconnected to organizational memory.

  2. Calculativeness and trust

    DEFF Research Database (Denmark)

    Frederiksen, Morten

    2014-01-01

    Williamson’s characterisation of calculativeness as inimical to trust contradicts most sociological trust research. However, a similar argument is found within trust phenomenology. This paper re-investigates Williamson’s argument from the perspective of Løgstrup’s phenomenological theory of trust....... Contrary to Williamson, however, Løgstrup’s contention is that trust, not calculativeness, is the default attitude and only when suspicion is awoken does trust falter. The paper argues that while Williamson’s distinction between calculativeness and trust is supported by phenomenology, the analysis needs...... to take actual subjective experience into consideration. It points out that, first, Løgstrup places trust alongside calculativeness as a different mode of engaging in social interaction, rather conceiving of trust as a state or the outcome of a decision-making process. Secondly, the analysis must take...

  3. Dimensions of trust

    DEFF Research Database (Denmark)

    Frederiksen, Morten

    2012-01-01

    Georg Simmel is the seminal author on trust within sociology, but though inspired by Simmel, subsequent studies of intersubjective trust have failed to address Simmel’s suggestion that trust is as differentiated as the social relations of which it is part. Rather, trust has been studied within...... limited sets of exchange or work relations. This article revisits Simmel’s concept of trust as social form in order to investigate this differentiation. From an interview study, the differentiation and limits of trust are analysed within different types of social relations. Trust is found to vary greatly...... in scope and mode influenced by the intersecting dimensions of relations, objects and situations. Furthermore, trust exists between an outer threshold of expected deceit and an inner threshold of confident reliance. The findings from the qualitative study contribute new knowledge on the diversity of trust...

  4. Guide to Direct Consolidation Loans.

    Science.gov (United States)

    Department of Education, Washington, DC.

    Intended for financial aid counselors, this document provides guidelines to the Federal Direct Consolidation Loan Program for borrowers who are in school, as well as those in repayment, or in default. An introductory section explains the basics of the consolidated loan program, loan categories, and interest rates. Next, standards for borrower…

  5. Private Loans: Facts and Trends

    Science.gov (United States)

    Institute for College Access & Success, 2014

    2014-01-01

    Private loans are one of the riskiest ways to finance a college education. Like credit cards, they typically have variable interest rates. Both variable and fixed rates are higher for those who can least afford them--as high as 13% in June 2014. Private loans are not eligible for the important deferment, income-based repayment, or loan forgiveness…

  6. Overview of royalty trusts

    International Nuclear Information System (INIS)

    Panarites, P.

    1996-01-01

    The nature of royalty trusts as a means of financing exploration, development, production, and refining of oil sand and heavy oil to produce competitively marketable petroleum products, was reviewed. Attributes of the two distinct classes of royalty trusts - reflexive class and the fundamental class royalty trusts - and the considerations underlying each one, were summarized. The overall conclusion was that the future performance of conventional oil and gas royalty trusts (reflexive class) will depend heavily on interest rate levels and management's ability to complete acquisitions financed with new trust unit issues. Fundamental class royalty trusts also offer long term pure exposure to the underlying business, in addition to yield

  7. Looking for Trust

    DEFF Research Database (Denmark)

    Bøge, Ask Risom; Lauritsen, Peter

    Trust and surveillance are often seen as opposites. Trust is regularly characterized as the glue that holds society together, while surveillance is seen as corrosive. However, in Scandinavia high levels of trust and surveillance coexist. It is therefore interesting to investigate...... if there is a connection between these phenomena and ask what is the role of trust in the spread of surveillance in Scandinavia? The aim of this paper is: 1) to investigate the role of trust in the history of the Danish DNA database and 2) to experiment with Actor-Network-Theory (ANT) as an ap-proach in studies of trust....

  8. Trust arguments

    International Nuclear Information System (INIS)

    Gelman, S.M.

    1995-01-01

    cycle has a complex of general machine building technologies which permit, if necessary, to organize in a very short period, production of non-traditional articles and avoid limitation of working places. This is well proved by the experience of 'Elemash', where in connection with the decrease of demand for nuclear fuel after the accident in Chernobyl, different products are now produced, equipment for dairy industry, tubular, heating elements, hard-alloy tooling for metal cutting and mining industries, a variety of domestic appliances. This peculiar 'conversion' permitted not only preserve the staff but provide employment of youth. We concentrate our attention on one more social side of activity of our enterprise, more of a few in the town having stable interior and exterior market for its products; this is very important in the period of newly-born market economy in Russia. Annual turnover of 'Elemash', only for export of nuclear fuel, is more tan 200 million dollars. It is natural that the majority of this sum comes as taxes to the municipal budget, where it is used for developing social infrastructure of the town (culture, port, health protection education, i.e. for the welfare of the population). Evaluating te general reaction of the population and public, which was discovered as a result of communicating in the Centre with thousands of inhabitants of the town we can state that it is quite favourable and our task is to strengthen the trust to the enterprise in the future. (author)

  9. Mortgage lenders and loans

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    This article presents a short historical overview of the different types of lenders that are active in the origination of residential mortgage loans. First, a distinction is made between depository and nondepository lenders. Second, there are two major types of depository lenders: commercial banks,

  10. Californium loan programme

    International Nuclear Information System (INIS)

    1974-01-01

    The offer of the United States to loan Californium-252 sources to the IAEA was made by Dr. Glenn T. Seaborg, then chairman of the USAEC, in his opening statement at the 15th. General Conference of the IAEA held in Vienna in 1971. The purpose of this loan was to make neutron emitting sources available to universities in the Member States for use in educational programmes. The sources, in the form of small needles designed for medical use in radiation therapy, were judged highly suitable for didactic applications due to their small size, limited activity and well documented radiological parameters. Subsequently, in May 1973, the Director General announced the availability of the Californium sources to the Member States. To date, numerous sources have been loaned to universities in Czechoslovakia, Costa Rica, the Federal Republic of Germany, Ghana, India, Iran, Israel, Japan, South Africa, Switzerland, the United Kingdom and Uruguay; additional applications for loans are being processed. It is anticipated that the loan programme will be terminated in 1975 once all the available sources have been distributed. n order to provide guidance for the Member States on the safe exploitation of these sources, a prototype use and storage facility was designed by IAEA staff of the Dosimetry Section of the Division of Life Sciences, and constructed at the IAEA laboratory in Seibersdorf, Austria. Figures 2-5 illustrate some of the details of this container, which is being given to the Ghana Nuclear Centre in support of a training programme for students at the university in Accra. Further advice to users of these sources will be provided by the publication of an instructional syllabus, a laboratory manual for experiments and the safety precautions inherent in the proper handling of neutron emitting radionuclides, authored by Professors Erich J. Hall and Harald H. Rossi of Columbia University. The syllabus and manual will be published as part of the IAEA Technical Series in September

  11. Balancing Trust and Control

    DEFF Research Database (Denmark)

    Jagd, Søren

    2010-01-01

    of balancing trust and control becomes an issue that deserve ongoing attention. This paper adds to the discussion on the relation between trust and control by showing that the process perspective reframes the problem of balancing trust and control. More generally, by demonstrating the importance of the process......The purpose of this paper is to show that conceptualizing trust and control as interactively related processes, as opposed to more static conceptualizations of the two concepts and the relations between them, adds importantly towards understanding the challenges involved in balancing of trust...... on trust and control made the problem of finding a balance between trust and control a once and for all decision the process perspective introduced here implies that balancing trust and control is an ongoing process of balancing and rebalancing. The implication for management is that the problem...

  12. Understanding Loan Aversion in Education

    Directory of Open Access Journals (Sweden)

    Angela Boatman

    2017-01-01

    Full Text Available Although prior research has suggested that some students may be averse to taking out loans to finance their college education, there is little empirical evidence showing the extent to which loan aversion exists or how it affects different populations of students. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using survey data collected on more than 6,000 individuals, we examine the frequency of loan aversion in three distinct populations. Depending on the measure, between 20 and 40% of high school seniors exhibit loan aversion with lower rates among community college students and adults not in college. Women are less likely to express loan-averse attitudes than men, and Hispanic respondents are more likely to be loan averse than White respondents.

  13. 77 FR 69511 - Columbia ETF Trust, et al.; Notice of Application

    Science.gov (United States)

    2012-11-19

    ...] Columbia ETF Trust, et al.; Notice of Application November 13, 2012. AGENCY: Securities and Exchange...'') (each, an ``Adviser'', together, the ``Advisers'') and Columbia ETF Trust, Columbia ETF Trust I... Fund, Inc. and Tri-Continental Corporation are closed-end registered investment companies. Columbia ETF...

  14. 77 FR 65025 - Trust for Professional Managers and Collins Capital Investments, LLC; Notice of Application

    Science.gov (United States)

    2012-10-24

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30235; 812-14012] Trust for Professional Managers and Collins Capital Investments, LLC; Notice of Application October 18, 2012. AGENCY...: Trust for Professional Managers (the ``Trust'') and Collins Capital Investments, LLC (the ``Advisor...

  15. The Interplay Between Consumer Knowledge, Cognitive Effort, Financial Healthiness And Trust In The Financial Marketplace

    DEFF Research Database (Denmark)

    Hansen, Torben

    with a healthy financial behaviour than with the opposite. Hence, financial managers should be engaged with monitoring and influencing broad-scope trust. To conclude, by taking into account the contextual effect of broad-scope trust, the present study adds to our understanding of knowledge......While trust has long been regarded as one of the most critical variables for developing and maintaining well-functioning financial customer-seller relationships it can be suggested that trust not only relates to customer trust in individual companies (narrow-scope trust). Trust also relates...... to the broader business context in which consumers may carry out their financial behaviour (broad-scope trust). However, despite the well-recognized significance of trust in marketing research, only few studies have investigated the role of broad-scope trust in consumer financial behaviour. Moreover, as one...

  16. Reliable Design Versus Trust

    Science.gov (United States)

    Berg, Melanie; LaBel, Kenneth A.

    2016-01-01

    This presentation focuses on reliability and trust for the users portion of the FPGA design flow. It is assumed that the manufacturer prior to hand-off to the user tests FPGA internal components. The objective is to present the challenges of creating reliable and trusted designs. The following will be addressed: What makes a design vulnerable to functional flaws (reliability) or attackers (trust)? What are the challenges for verifying a reliable design versus a trusted design?

  17. Fording Canadian Coal Trust

    Energy Technology Data Exchange (ETDEWEB)

    Popowich, J.; Millos, R. [Elk Valley Coal Corporation, Calgary, AB (Canada)

    2004-07-01

    This is the first of five slide/overhead presentations presented at the Fording Canadian Coal Trust and Tech Cominco Ltd. investor day and mine tour. The Fording Canadian Coal Trust is described. The Trust's assets comprise six Elk Valley metallurgical coal mines and six wollastonite operations (in the NYCO Group). Trust structure, corporate responsibility, organizational structure, reserves and resources, management philosophy, operating strategies, steel market dynamics, coal market, production expansion, sales and distribution are outlined. 15 figs., 5 tabs.

  18. Trust and controlling

    OpenAIRE

    Bieńkowska Agnieszka; Zabłocka-Kluczka Anna

    2016-01-01

    The purpose of this study is to discuss the trust within and towards an organisation in the context of implementation of controlling therein. In this context the essence of trust and its importance in organisation management was presented, as well as trust in the contemporary management methods and concepts. Controlling as a trust-building factor inside an organisation was pointed out. Especially controlling and control were described. Moreover management by considering deviations in controll...

  19. Trust Drives Internet Use

    DEFF Research Database (Denmark)

    Ljunge, Jan Martin

    This paper estimates the effect of trust on internet use by studying the general population as well as second generation immigrants in 29 European countries with ancestry in 87 nations. There is a significant positive effect of trust on internet use. The positive trust effect is not universal...

  20. The productivity of trust

    DEFF Research Database (Denmark)

    Bjørnskov, Christian; Méon, Pierre-Guillaume

    This paper returns to one of the early questions of the literature on social trust, whether trust affects total factor productivity (TFP). Using both development and growth accounting, we find strong evidence of a causal effect of trust on the level and growth of TFP. Using a three-stage least...

  1. Trust Management V

    DEFF Research Database (Denmark)

    2011-01-01

    from 42 submissions. The papers feature both theoretical research and real-world case studies from academia, business and government focusing on areas such as: trust models, social and behavioral aspects of trust, trust in networks, mobile systems and cloud computation, privacy, reputation systems...

  2. Role of Trust Transfer in E-Commerce Acceptance

    Institute of Scientific and Technical Information of China (English)

    YANG Qing; HUANG Lihua; XU Yunjie

    2008-01-01

    Lack of trust is one of the most important obstructions to consumers' acceptance of e-commerce. With the increase of companies going online from offline, trust transfer has been found between offline presence and online presence. By applying the entitativity theories, this study empirically tested the trust transference from offline presence to online presence and addressed the underlying reasons through a questionnaire investigation on the customers of Lianhua supermarkets and Lianhua OK online supermarkets. Process integration was used as a useful means to promote this transfer process. For a click-and-mortar company such as Lianhua Group, its established offline trust is one of the major sources contributing to its initial online trust building. The results from this study suggest a new way to enhance e-commerce acceptance.

  3. 78 FR 8131 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2013-02-05

    ... Indiana. The Citizens Exchange Bank Fairmount Indiana. Fire Fighter's City County Federal Credit Fort... Michigan. Federal Home Loan Bank of Chicago--District 7 Old Second National Bank Aurora Illinois. Tompkins... Chester Illinois. Lakeside Bank Chicago Illinois. Pacific Global Bank Chicago Illinois. The Northern Trust...

  4. [Crises of trust].

    Science.gov (United States)

    Chen, Thai-Form; Tseng, Hsing-Chau

    2006-02-01

    Extensive media coverage is warning of a crisis of trust that has emerged as a serious issue in our society. This article explores the meaning of "crisis," concepts of crisis management, mechanisms for building trust, and the underlying significance of trust and distrust. Evidence is adduced to testify to the erosion of trust and factors in our society that reflect the potential for crises of trust. Organizational decision makers, including hospital managers, are urged to identify and reflect upon weaknesses in their organizations in order that remedial action can be taken to preempt such crises.

  5. Social Trust and Fractionalization:

    DEFF Research Database (Denmark)

    Bjørnskov, Christian

    2008-01-01

    This paper takes a closer look at the importance of fractionalization for the creation of social trust. It first argues that the determinants of trust can be divided into two categories: those affecting individuals' trust radii and those affecting social polarization. A series of estimates using...... a much larger country sample than in previous literature confirms that fractionalization in the form of income inequality and political diversity adversely affects social trust while ethnic diversity does not. However, these effects differ systematically across countries, questioning standard...... interpretations of the influence of fractionalization on trust....

  6. 75 FR 33369 - EQ Advisors Trust, et al.; Notice of Application

    Science.gov (United States)

    2010-06-11

    ... investment company and offers multiple series (``Funds'').\\1\\ Each Trust is offered to (a) insurance company...(k) plan sponsored by the Manager and (c) series of each Trust. Certain Funds pursue their investment objectives through a master- feeder arrangement in reliance on section 12(d)(1)(E) of the Act.\\2\\ \\1...

  7. 77 FR 16282 - Columbia Funds Master Investment Trust, LLC, et al.; Notice of Application

    Science.gov (United States)

    2012-03-20

    ... liability companies or Massachusetts business trusts, and are registered with the Commission as open-end... Trusts, each of which operates as a ``fund of funds.'' Columbia Management, a Minnesota limited liability... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 29980; File No. 812-13955...

  8. How Consumer Trust in Financial Institutions Influences Relationships Between Knowledge, Cognitive Effort and Financial Healthiness

    DEFF Research Database (Denmark)

    Hansen, Torben

    2014-01-01

    Trust not only relates to customer trust in individual financial companies (i.e., narrow-scope trust) but also relates to the broader business context in which consumers carry out their financial decisions (i.e., broad-scope trust). Based on two surveys comprising 1,155 bank consumers and 764...... pension consumers, respectively, the results of this study indicate that broad-scope trust negatively moderates relations between knowledge and financial healthiness and between cognitive effort and financial healthiness. In addition, it is demonstrated that broad-scope trust negatively influences...... cognitive effort and positively influences financial healthiness....

  9. 7 CFR 1610.4 - Loan applications.

    Science.gov (United States)

    2010-01-01

    ... Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.4 Loan applications. No application for a loan will be considered for approval by the Bank... of the applicant for a Bank loan and the amount thereof. Loan application forms are available from...

  10. 24 CFR 201.41 - Loan servicing.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan servicing. 201.41 Section 201... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan Administration § 201.41 Loan servicing. (a) Generally...

  11. 49 CFR 260.9 - Loan terms.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... TRANSPORTATION REGULATIONS GOVERNING LOANS AND LOAN GUARANTEES UNDER THE RAILROAD REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed...

  12. 7 CFR 770.5 - Loan limitations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan limitations. 770.5 Section 770.5 Agriculture... SPECIAL PROGRAMS INDIAN TRIBAL LAND ACQUISITION LOANS § 770.5 Loan limitations. (a) Loan funds may not be... title. (b) The amount of loan funds used to acquire land may not exceed the market value of the land...

  13. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan servicing. 1980.370 Section 1980.370 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.370 Loan servicing. RHS encourages Lenders to... sufficient servicing and counseling to meet the objectives of the loan. Loan servicing should be approached...

  14. 7 CFR 1435.101 - Loan rates.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan rates. 1435.101 Section 1435.101 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18...

  15. 7 CFR 771.5 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 771.5 Section 771.5 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.5 Loan purposes. (a) Loan funds may be used..., travel and office operations; (3) Salaries and benefits. (b) Loan funds may not be used to pay expenses...

  16. 7 CFR 774.22 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 774.22 Section 774.22 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.22 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan...

  17. 7 CFR 1980.310 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan purposes. 1980.310 Section 1980.310 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.310 Loan purposes. The purpose of a loan guaranteed... applicant as a primary residence. The loan may be to purchase a new dwelling or an existing dwelling. The...

  18. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1779.69 Section 1779.69 Agriculture... (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender responsibilities. The lender is responsible for servicing the entire loan in accordance with the lender's loan...

  19. 24 CFR 201.10 - Loan amounts.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan amounts. 201.10 Section 201.10... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan and Note Provisions § 201.10 Loan amounts. (a) Property...

  20. 7 CFR 771.13 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 771.13 Section 771.13 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.13 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan approval...

  1. 5 CFR 1655.21 - Loan fee.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan fee. 1655.21 Section 1655.21 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.21 Loan fee. The TSP will charge a participant a $50.00 loan fee when it disburses the loan and will deduct the fee from the...

  2. 7 CFR 3560.61 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan security. 3560.61 Section 3560.61 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.61 Loan security... collateral. (2) The amount of the loan against the collateral does not exceed its estimated security value...

  3. PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

    Directory of Open Access Journals (Sweden)

    Silviana Agustami

    2017-04-01

    Full Text Available Profitability is one of the essential elements in the process of assessing performance in banking finance. Bank needs to keep its profitability to maintain the continuity of its corporation. In the process of attaining income and making profit, a bank commonly does many efforts. One of them is through offering the credits to the public. However, in fact, credit which becomes the basis to run the company has the risk of failure when the clients/ debtors have to pay the loan back on its deadline/ Non Performing Loan (NPL. The objective of this study is to find out whether NPL influences negatively or not towards the bank profitability. This study employed the basic regression analysis method through linearity and normality tests. The data used is the financial statement of PT. Bank OCBC NISP, Tbk in 2002 until 2010 published by Bank Indonesia. Based on the revealed elaboration and the data analysis about the influence of NPL towards profitability, it can be concluded that the condition of Non-Performing Loan (NPL in PT. Bank OCBC NISP, Tbk is good in general since it is still below the NPL value regulated by Bank Indonesia which is 5%. Meanwhile, the profitability based on the return on assets (ROA in PT. Bank OCBC NISP tends to be below the minimum standard which is 1,5%, but it is classified in high category in the framework of performance determination of banking finance governed by Bank Indonesia. In PT. Bank OCBC NISP, Tbk, Non-Performing Loan (NPL influences negatively towards profitability.

  4. 78 FR 5846 - Securian Funds Trust, et al.; Notice of Application

    Science.gov (United States)

    2013-01-28

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30354; File No. 812-14091] Securian Funds Trust, et al.; Notice of Application January 22, 2013. AGENCY: Securities and Exchange... company's voting stock to be owned by investment companies and companies controlled by them. 2. Section 12...

  5. Savings in its sights for Somerset Trust.

    Science.gov (United States)

    Russell, Colin

    2011-10-01

    Colin Russell, healthcare specialist at Schneider Electric (pictured), explains how the company has recently worked with Taunton and Somerset NHS Foundation Trust to implement a major energy-saving project at the Trust's Musgrove Park Hospital in Taunton. He argues that, at a time when all areas of the service are being asked to reduce costs, such partnerships can potentially save the institution millions of pounds and significantly reduce carbon emissions, while "revitalising" parts of the NHS estate, and ensuring continuity of vital hospital services for facilities managers.

  6. 78 FR 20701 - Munder Series Trust, et al.;

    Science.gov (United States)

    2013-04-05

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30441; File No. 812-14099] Munder Series Trust, et al.; Notice of Application March 29, 2013. AGENCY: Securities and Exchange Commission (``Commission''). ACTION: Notice of an application under section 6(c) of the Investment Company...

  7. Race and Subprime Loan Pricing

    OpenAIRE

    Hernandez, Ruben; Owyang, Michael; Ghent, Andra

    2011-01-01

    In this paper we investigate whether race and ethnicity influenced subprime loan pricing during 2005, the peak of the subprime mortgage expansion. We combine loan-level data on the performance of non-prime securitized mortgages with individual- and neighborhood-level data on racial and ethnic characteristics for metropolitan areas in California and Florida. Using a model of rate determination that accounts for predicted loan performance, we evaluate the presence of disparate impact and dispar...

  8. 76 FR 20388 - Russell Investment Company, et al.; Notice of Application

    Science.gov (United States)

    2011-04-12

    ...: Applicants request an order to permit open-end management investment companies relying on rule 12d1-2 under... Investment Funds (each a ``Trust and collectively the ``Trusts), Russell Investment Management Company... Blass, Branch Chief, at (202) 551-6821 (Division of Investment Management, Office of Investment Company...

  9. 27 CFR 6.61 - Guaranteeing loans.

    Science.gov (United States)

    2010-04-01

    ... OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Guaranteeing Loans § 6.61 Guaranteeing loans. The act by an industry member of guaranteeing any loan or the repayment of any financial...

  10. 24 CFR 200.25 - Supplemental loans.

    Science.gov (United States)

    2010-04-01

    ... DEVELOPMENT GENERAL INTRODUCTION TO FHA PROGRAMS Requirements for Application, Commitment, and Endorsement... loans. A loan, advance of credit or purchase of an obligation representing a loan or advance of credit...

  11. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS On-Farm Labor Housing § 3560.612 Loan limits. The maximum loan amount will be 100 percent of the allowable total development costs of on-farm labor housing and...

  12. Is the Web Marketing Mix Sustainable in China? The Mediation Effect of Dynamic Trust

    Directory of Open Access Journals (Sweden)

    Yongrok Choi

    2015-10-01

    Full Text Available Trust plays an important role between companies and customers in the online shopping environment because of the anonymous transaction environment and the advantage of virtual property. The most rapidly developing trend in Chinese e-business may come from Guanxi, a Chinese term for social trust. In this study, we define Guanxi as the dynamic trust process in the social decisions or activities of the Chinese. With increasing global attention on the outstanding development of Chinese e-business, it would be worthwhile to analyze the dynamic trust process of social e-commerce customers in close combination with the social network. The statistical results obtained using structural equation modeling (SEM show the importance of trust in a social e-commerce context. The direct positive relationship between the components of the web marketing mix and purchase intention is partially mediated by initial trust and ongoing trust, while initial trust only partially affects purchase intention through ongoing trust.

  13. Terrorism, Trust and Tourism

    DEFF Research Database (Denmark)

    Jensen, Susanne; Svendsen, Gert Tinggaard

    2017-01-01

    How does terrorism affect social trust and tourism? The rising number of terrorist attacks in Western Europe has caused safety problems not only for local citizens but also for tourists. In fact, terrorists challenge the formal violence monopoly of the state thus creating a sense of anarchy...... and distrust. Social trust is about trusting strangers, so when less predictable behaviour occurs in, a given country, people become more careful as they tend to trust most other people less. An interesting case for future research is Scandinavia as the level of terrorism is still low and, at the same time......, Scandinavia can record most social trust in the world meaning a competitive advantage when attracting tourists. Arguably, a double dividend is created from fighting terrorism, namely more social trust accumulated and more tourists attracted. Future research should therefore try to further test our model...

  14. Trust in Strategic Alliances

    DEFF Research Database (Denmark)

    Nielsen, Bo

    2011-01-01

    This article examines the dynamic and multi-dimensional nature of trust in strategic alliances. Adopting a co-evolutionary approach, I developed a framework to show how trust, conceptualised in different forms, plays distinct roles at various evolutionary stages of the alliance relationship....... Emphasising the multi-dimensional and dynamic role of trust, the framework illustrates how initial levels of a particular type of trust may co-evolve with the alliance and influence subsequent phases of the relationship – either on its own or in combination with other types or dimensions of trust....... The theoretical distinction between trust as antecedent, moderator and outcome during the evolution of the alliance relationship leads to research questions that may guide future empirical research....

  15. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-02-07

    ... loan; and advances required to preserve the lien position, such as homeowner association fees, special... delinquent interest, advances, or other amounts due; extending the repayment terms; changing the interest... encountered two sets of circumstances that have caused difficulty in easily modifying loans to assist veterans...

  16. Trust and Influence

    Science.gov (United States)

    2013-03-06

    the behavior or attitudes of others). LIST SUB-AREAS IN PORTFOLIO: Science of Reliance • Trust in Autonomous Systems/ Autonomy – identify the...error •Humans have trust biases (Lyons & Stokes, 2012) •Little is known about how human trust principles apply to autonomy /robotics...for the model in western context (Colquitt et al., 2007) • Some evidence that benevolence is favored by collectivist culture (Branzei et al., 2007

  17. Governance, Trust, and Taxes

    OpenAIRE

    Schrøter Joensen, Juanna; Weihe, Guðrið

    2013-01-01

    This paper examines the role of social capital (trust) vis-à-vis the propensity of a country to be a tax haven. The empirical analysis corroborates that better governed countries have a higher ceteris paribus probability to be tax havens. However, social capital counteracts the effect of governance quality. This effect is so strong that the partial effect of governance quality is reversed for countries with the trust index in the top quartile – making these high trust countries le...

  18. Trust and Social Commerce

    OpenAIRE

    Julia Y. Lee

    2016-01-01

    Internet commerce has transformed the marketing of goods and services. The separation between point of sale and seller, and the presence of geographically dispersed sellers who do not engage in repeated transactions with the same customers challenge traditional mechanisms for building the trust required for commercial exchanges. In this changing environment, legal rules and institutions play a diminished role in building trust. Instead, new systems and methods are emerging to foster trust in ...

  19. Suspicion, Trust, and Automation

    Science.gov (United States)

    2017-01-08

    Pool (IPIP; Goldberg et al., 2006; 87). A sample item is “I trust others.” Each propensity to trust item was assessed on a 7-point scale from 1...1754-6 Goldberg , L. R., Johnson, J. A., Eber, H. W., Hogan, R., Ashton, M. C., Cloninger, C. R., & Gough, H. C. (2006). The International...trust decision. When examining software inspections, Porter, et al. [6] identified one of the causes of variation in the outcome of the inspection

  20. Finance Companies and Small Business Borrowers: An Empirical Investigation

    OpenAIRE

    Haynes, George; Watts, Myles

    1996-01-01

    Finance companies have been perceived as isolated and insignificant lenders, attracting high risk borrowers and charging these borrowers relatively high prices. Using the 1988 National Survey of Small Business Finance, this study examines the relationship between finance companies and other lenders, describes the characteristics of borrowers attracted to finance companies and assesses whether finance companies charge higher loan prices and impose more stringent collateral requirements on thei...

  1. SAIL: automating interlibrary loan.

    Science.gov (United States)

    Lacroix, E M

    1994-01-01

    The National Library of Medicine (NLM) initiated the System for Automated Interlibrary Loan (SAIL) pilot project to study the feasibility of using imaging technology linked to the DOCLINE system to deliver copies of journal articles. During the project, NLM converted a small number of print journal issues to electronic form, linking the captured articles to the MEDLINE citation unique identifier. DOCLINE requests for these journals that could not be filled by network libraries were routed to SAIL. Nearly 23,000 articles from sixty-four journals recently selected for indexing in Index Medicus were scanned to convert them to electronic images. During fiscal year 1992, 4,586 scanned articles were used to fill 10,444 interlibrary loan (ILL) requests, and more than half of these were used only once. Eighty percent of all the articles were not requested at all. The total cost per article delivered was $10.76, substantially more than it costs to process a photocopy request. Because conversion costs were the major component of the total SAIL cost, and most of the articles captured for the project were not requested, this model was not cost-effective. Data on SAIL journal article use was compared with all ILL requests filled by NLM for the same period. Eighty-eight percent of all articles requested from NLM were requested only once. The results of the SAIL project demonstrated that converting journal articles to electronic images and storing them in anticipation of repeated requests would not meet NLM's objective to improve interlibrary loan. PMID:8004020

  2. A question of trust

    Science.gov (United States)

    2010-04-01

    Trust lies at the heart of modern science. As scientists, we trust that the papers we read are honest and correct as far as the data, results, techniques and theories in them are concerned. We trust that our colleagues and collaborators are acting properly and ethically - and not being devious, secretive or sloppy. But perhaps even more important is the public's trust in science. After all, much research is funded by taxpayers, who, quite rightly, want to know that the work will not harm them and, preferably, do them some good.

  3. A Knowledge-based System for the Analysis of the Ability of Paying back Loans

    Institute of Scientific and Technical Information of China (English)

    朱明; 杨保安

    2001-01-01

    This paper describes the development of a knowledgebased system (KBS) for determining whether or not, and under what conditions, a bank Ioan officer should grant a business loan to a company. The prototype system developed focuses on what is bank loans risks management, how to prevent risk by the analysis of the ability of paying back loans. The paper makes the structural analysis involved in the system's decision situation, the structured situation diagram or model, dependency diagram and the document needed by the KBS prototype system thus are developed. Through testing the samples from loan business, the quality for the analysis of the ability of paying back loans can be effectively evaluated by the KBS prototype system.

  4. Trust Discovery in Online Communities

    Science.gov (United States)

    Piorkowski, John

    2014-01-01

    This research aims to discover interpersonal trust in online communities. Two novel trust models are built to explain interpersonal trust in online communities drawing theories and models from multiple relevant areas, including organizational trust models, trust in virtual settings, speech act theory, identity theory, and common bond theory. In…

  5. Using collateral to secure loans

    OpenAIRE

    Yaron Leitner

    2006-01-01

    In “Using Collateral to Secure Loans,” Yaron Leitner asks: Why is collateral used to secure some loans, but not others? And why does collateral potentially involve more risk? He considers these questions, looking at some of the explanations for using collateral, focusing on its benefits and drawbacks.

  6. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

    This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan

  7. Non performing loans: Obstacles within financial and economy sector

    Directory of Open Access Journals (Sweden)

    Mitrović Ranka

    2014-01-01

    Full Text Available Growth and development of company depend on the adequate selection of financial resources and optimization of financial structure. In other words, the success of a company is determined by the choice of high-quality financial sources and their maturity adjustment. In developed economic and developed financial systems, companies have a wide range of financial sources: emissions of shares, bonds, emissions of other long-term and short-term securities, borrowing from the bank and alternative sources of financing. However, the developing countries and undeveloped countries addressed to financial resources of investors and loans from banking institutions. In this context, it is necessary to build a stable banking system, which will support the strategic development of the company and provide daily liquidity of companies.

  8. Relevansi Nilai Selisih Loans Book Value dan Loans Fair Value, Book Value Per Share, Earnings Per Share dan Ukuran Perusahaan

    Directory of Open Access Journals (Sweden)

    Dina Bakti Pertiwi

    2015-01-01

    Full Text Available One of the impacts of IFRS convergence is the tendency to leave historical cost to the fair value primarily for financial instruments, one of which is bank loans. Therefore, the benefit of the use of historical cost and fair value needs to be examined. This study aims to evaluate the relationship of the difference between loan book value and fair value, book value per share, earnings per share and the company size to the stock price of banks that use accounting standard that has been converged to IFRS. The samples used are banks listed in Indonesia Stock Exchange during the period of 2010-2013. The relationship between the difference loans book value and fair value, book value per share, earnings per share and the size with the stock price were analyzed using multiple linear regression. The results of this study indicate that the difference between loans book value and fair value, book value per share, earnings per share and the size can be used to predict the stock price of bank. Thus, the difference between loan book value and fair value of financial instruments have a relevant value.

  9. A Matter of Trust

    Science.gov (United States)

    Berg, Jill Harrison; Connolly, Christine; Lee, Abda; Fairley, Emmanuel

    2018-01-01

    Educators at a turnaround school in Boston describe how they built a foundation for achievement gains by building and safeguarding relational trust among staff. The school, Henry Grew Elementary, focused in particular on fostering educators' readiness to trust, clarifying roles, and solidifying routines to support connection and risk-taking.

  10. Trust in regulatory regimes

    NARCIS (Netherlands)

    Six, Frédérique; Verhoest, Koen

    2017-01-01

    Within political and administrative sciences generally, trust as a concept is contested, especially in the field of regulatory governance. This groundbreaking book is the first to systematically explore the role and dynamics of trust within regulatory regimes. Conceptualizing, mapping and analyzing

  11. Being pragmatic about trust

    NARCIS (Netherlands)

    Nickel, P.J.; Faulkner, P.; Simpson, T.

    2017-01-01

    Trust remains an ambiguous and contested concept. A way to help settle some of the disagreements about it is to appeal to an Explanatory Constraint, according to which trust should (a) be explained as the outcome of central concerns or interests of the relevant actors, and (b) explain the emergence

  12. Towards trusted tradelanes

    NARCIS (Netherlands)

    Hulstijn, Joris; Hofman, W.; Zomer, G.; Tan, Yao-Hua; Scholl, H. J.; Glassey, O.; Janssen, M.

    Customs administrations are exploring system-based approaches to regulatory supervision, taking the entire set of controls in a process into account. In addition to Trusted Traders, which are recognized by a certification process, customs are considering to identify so called Trusted Trade Lanes:

  13. Neither Trust nor Distrust

    DEFF Research Database (Denmark)

    Jensen, Tina Gudrun

    2016-01-01

    This article deals with the politicised notions of trust and social cohesion in urban spaces through a focus on practices of everyday relations in a mixed neighbourhood. Quantitative studies maintain that ethnically diverse neighbourhoods lack in trust and solidarity. However, the very meaning an...

  14. Loan Products Included in the Offer of Commercial Banks

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2009-04-01

    Full Text Available A bank loan is the main form of economical credit. It is for corporate activities – for medium and big companies and for retail activities – for small companies and individuals. The conditions for credit mainly depend on the quality of customers, it means their ability to perform a profitable activity and to be able to pay back the credits. For reasons which are mainly connected to marketing, bank practice has developed a large range of credit names, trying to emphasize some of the parts of the products or to take profit of some competition advantages in relation with customers’ products. We are trying to include the offer of bank loans in a typology which takes into account the law, the bank field rules and the main technical features of the offered products.

  15. Trust and controlling

    Directory of Open Access Journals (Sweden)

    Bieńkowska Agnieszka

    2016-12-01

    Full Text Available The purpose of this study is to discuss the trust within and towards an organisation in the context of implementation of controlling therein. In this context the essence of trust and its importance in organisation management was presented, as well as trust in the contemporary management methods and concepts. Controlling as a trust-building factor inside an organisation was pointed out. Especially controlling and control were described. Moreover management by considering deviations in controlling and the teamwork in controlling were described. The role of controlling in process of trust-building to an organisation was presented. Establishing relations with the environment and systems of measurement of organisation’s achievements were presented, too.

  16. Trust, trustworthiness and health.

    Science.gov (United States)

    Dawson, Angus

    2015-01-01

    Trust is an essential component of good healthcare. If patients trust their physicians, then the relationship between them can be a richer and more meaningful one. The patient is more likely to feel confident and able to disclose symptoms, helping diagnosis and future care. If public health and community workers are trusted, not only is it likely that their work will be easier, in that their actions will be respected and accepted, but their advice will also be sought spontaneously. Trust, can, therefore, be thought of as something that is of benefit to all: healthcare workers, individuals and communities. Trust is, generally, something to be prized and we need to do anything we can to strengthen it.

  17. The Determinants of Trust

    DEFF Research Database (Denmark)

    Bjørnskov, Christian

    , in particular emphasizing the role of social trust. This is in turn defined as the confidence people have that strangers, i.e. fellow citizens on whom they have no specific information, will not take advantage of them (Uslaner, 2002; Bjørnskov, 2006). Using the answers to the World Values Survey question “In...... general, do you think that most people can be trusted?”, the by now quite substantial literature has found that social trust is associated with a set of different macroeconomic outcomes: economic growth, the rule of law and overall quality of governance, corruption, education, the extent of violent crime...... and subjective well-being are all influenced by the propensity of people within any nation to trust each other. The questions are therefore where trust comes from and whether or not it can be affected by public policy. The answers to these questions seem to divide researchers into two camps: the optimists...

  18. The Moderating Effects of Financial Broad-scope Trust on Consumer Knowledge, Cognitive Effort, and Financial Healthiness

    DEFF Research Database (Denmark)

    Hansen, Torben

    2017-01-01

    Substantial research results suggest the global financial crisis has negatively affected consumers' trust in financial service providers. Notably, trust not only relates to consumer trust in individual companies but also relates to the broader business context in which consumers may plan and carr...

  19. Smart Companies.

    Science.gov (United States)

    Galagan, Patricia A.

    1997-01-01

    Capturing and leveraging knowledge is an important new management trend that is as yet undefined. Some companies are accounting for their intellectual capital and applying it to the company balance sheets. (JOW)

  20. The Balanced Company

    DEFF Research Database (Denmark)

    through control or trust. Human resource specialists need to make balanced decisions about how to design tasks and jobs in order to make them attractive as well as motivating. Marketers need to make balanced decisions about how to market products in the light of what is now important in consumers...... in their environments. Communication specialists need to make balanced decisions which take the different value systems and assumptions of stakeholders into consideration. Change specialists need to balance the need for continuity and change. Managers need to make balanced decisions about whether to achieve goals...... the creation and recreation of balanced relationships. Chapters in The Balanced Company ask and provide answers to questions about corporately responsible and ethically driven balanced decision making, such as: • How can a company and its stakeholders identify what should be taken into consideration - What...

  1. PROPOSED CHANGES TO TAX LAW IN SOUTH AFRICA: INTEREST-FREE LOANS AS A TOOLIN ESTATE PLANNING?

    Directory of Open Access Journals (Sweden)

    M. J. Preston

    2016-07-01

    Full Text Available Estate planning often involves the sale of an asset by an estate planner (the ownerof the asset to aninter vivostrust, as a related family trust. It also often happensthat the buying trust does not have the necessary funds to pay the purchase price.In this situation it is common practice to finance the sale by means of an interest-free loan agreement. The buying trust becomes the owner of the property, whilethe purchase price remains due and payable to the seller, without the loan amountaccruing interest. The result achieved by the estate planner is that potential furthergrowth of the asset soldis shifted to thetrust, resulting in an estate duty benefit forthe seller. The debate surrounding the use of the interest-free loan as an estateplanning tool has been polarised for years with most researchers concluding thatthe interest-free loan remains a useful estate planning tool. Doubts regarding theuse of such agreements and the trust for estate planning have recently neemrenewed. Since 2013, several statements by the different Ministers of Finance, intheir respective budget speeches, indicated that governmentwill propose taxavoidance legislation that will directly impact the taxation of trusts and connectedparties to a trust. This study will focus on the effect which the recent proposedchanges to the Income Tax Act (58 of 1962 might have on the use of interest-freeloans as an estate planning tool. The study is qualitative in nature with documentanalysis at its core. The main aim is to provide more clarity to estate planners inthis regard. The research concludes that the interest-free loan still has someadvantage as an estate planning tool, but if estate planning is done with only taxplanning and tax savings as motivation, that advantagemay disappear.

  2. 76 FR 23342 - Russell Investment Management Company, et al.;

    Science.gov (United States)

    2011-04-26

    ...] Russell Investment Management Company, et al.; Notice of Application April 20, 2011. AGENCY: Securities...: Applicants request an order that would permit (a) series of certain open-end management investment companies... registered management investment companies and unit investment trusts outside of the same group of investment...

  3. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

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

  4. Student Loans Driving You Crazy? A Borrower's Guide to Direct Consolidation Loans.

    Science.gov (United States)

    Office of Federal Student Aid (ED), Washington, DC.

    This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…

  5. 78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review

    Science.gov (United States)

    2013-10-28

    ... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for... Affairs (VA) Loan Guaranty Service (LGY) announces a new policy with regard to lender submission of VA- guaranteed closed loan files for review. Currently, lenders can submit loan files selected for review by LGY...

  6. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

    ... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program... provisions to the existing direct and guaranteed loan regulations found in 7 CFR parts 761, 762, 764, 765...

  7. 77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2012-03-07

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...

  8. Competence Utilization for Innovation Capabilities - A Question of Trust?

    Directory of Open Access Journals (Sweden)

    Britta BOLZERN-KONRAD

    2015-05-01

    Full Text Available The purpose of this paper is to show how trust as an organizational value contributes to employee competence utilization in the case of innovation capability. Thus, it is the objective of this paper to analyze the positive impacts, but also potential limits of trust in business management. The research paper uses two different quantitative empirical studies drawn from German and Austrian mid-sized companies to empirically test this interrelation. As a result, the paper determines particular aspects of trust such as accountability, shared norms and the ability to take responsibility to be interrelated with the usage of employee competences and underlines a positive connection between product innovation performance and trust. However, the trust concept needs enriching elements to be balanced towards a feeling of mutual reliance and support creativity instead; inclusions of bridging social capital, elements of distrust and a pioneering spirit are to be mentioned here.

  9. 7 CFR 1735.73 - Loan design.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan design. 1735.73 Section 1735.73 Agriculture... Funds § 1735.73 Loan design. When loan funds are requested for an acquisition, details of the proposed acquisition shall be included in the Loan Design. See 7 CFR part 1737. ...

  10. 7 CFR 1980.481 - Insured loans.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications...) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating... concurrence prior to approval. B. Applications from private parties for insured loans will not be encouraged...

  11. 7 CFR 773.7 - Loan uses.

    Science.gov (United States)

    2010-01-01

    ... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with..., processing or marketing purposes; or (h) Payment of loan closing costs. ...

  12. 7 CFR 1822.274 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan closing. 1822.274 Section 1822.274 Agriculture... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies...

  13. 24 CFR 573.4 - Loan term.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Loan term. 573.4 Section 573.4 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF... COMMUNITY FACILITIES LOAN GUARANTEE RECOVERY FUND § 573.4 Loan term. The term of the loan to be guaranteed...

  14. 44 CFR 206.371 - Loan program.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.371 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.371 Loan... Special Community Disaster Loan to any local government which has suffered a substantial loss of tax and...

  15. 7 CFR 1776.16 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS determines that HWWS loans may be serviced by CSC, then the grant recipient will enter into an agreement with...

  16. 5 CFR 1620.35 - Loan payments.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1620.35 Section 1620.35... Nonappropriated Fund Employees § 1620.35 Loan payments. NAF instrumentalities must deduct and transmit TSP loan... CFR part 1655 and Board procedures. Loan payments may not be deducted and transmitted for employees...

  17. 24 CFR 1007.35 - Loan terms.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Loan terms. 1007.35 Section 1007.35... LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.35 Loan terms. To be eligible for guarantee under this part, the loan shall: (a) Be made for a term not exceeding 30 years; (b) Bear interest (exclusive...

  18. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15... DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than...

  19. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

    ... SMALL BUSINESS ADMINISTRATION 13 CFR Part 123 RIN 3245-AF98 Disaster Assistance Loan Program...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been... to disaster victims by raising the statutory loan limit for loans to businesses, increasing the...

  20. 44 CFR 206.361 - Loan program.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.361 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.361 Loan... Community Disaster Loan to any local government which has suffered a substantial loss of tax and other...

  1. 5 CFR 1655.12 - Loan agreement.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan agreement. 1655.12 Section 1655.12 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.12 Loan agreement. (a) Upon determining that a loan application meets the requirements of this part, the TSP record keeper...

  2. 7 CFR 771.15 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 771.15 Section 771.15 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.15 Loan servicing. (a) Advances. FSA may make... advances. (b) Payments. Payments will be made to FSA as set forth in loan agreements and debt instruments...

  3. 77 FR 59346 - Payday-Alternative Loans

    Science.gov (United States)

    2012-09-27

    ... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE08 Payday-Alternative Loans AGENCY...: The NCUA Board (Board) is currently reviewing its regulation governing payday-alternative loans (PAL... to offer PAL loans, previously referred to as short- term, small amount loans, as an alternative to...

  4. 31 CFR 25.400 - Loan provisions.

    Science.gov (United States)

    2010-07-01

    ... SALES LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section 25...

  5. 7 CFR 1434.18 - Loan repayments.

    Science.gov (United States)

    2010-01-01

    ... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...

  6. 7 CFR 764.402 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... information for the Agency to reconfirm approval and proceed with loan closing. (3) The Agency or closing... account will be used according to subpart B of part 761 of this chapter when these processes are not...

  7. Autonomy, Trust, and Respect.

    Science.gov (United States)

    Nys, Thomas

    2016-02-01

    This article seeks to explore and analyze the relationship between autonomy and trust, and to show how these findings could be relevant to medical ethics. First, I will argue that the way in which so-called "relational autonomy theories" tie the notions of autonomy and trust together is not entirely satisfying Then, I will introduce the so-called Encapsulated Interest Account as developed by Russell Hardin. This will bring out the importance of the reasons for trust. What good reasons do we have for trusting someone? I will criticize Hardin's business model as insufficiently robust, especially in the context of health care, and then turn to another source of trust, namely, love. It may seem that trust-through-love is much better suited for the vulnerability that is often involved in health care, but I will also show that it has its own deficiencies. Good health care should therefore pay attention to both models of trust, and I will offer some tentative remarks on how to do this. © The Author 2015. Published by Oxford University Press, on behalf of the Journal of Medicine and Philosophy Inc. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  8. 77 FR 76414 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-28

    ... Federal Direct Loan Program AGENCY: Department of Education. ACTION: Final regulations; correction... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public Service Loan Forgiveness (PSLF) Program...

  9. Corporate boards and bank loan contracting

    OpenAIRE

    Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang

    2012-01-01

    We investigate the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and nonprice loan terms (e.g., interest rates, collateral, covenants, and performance-pricing provisions) are more favorable, and syndicated loans comprise more lenders. In addition, board size, audit committee structure, and other board characteristics influence bank loan prices. However, they do not consistently affect all nonprice loan terms except for a...

  10. A new Loan-Stock Financial Instrument

    OpenAIRE

    Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri

    2000-01-01

    A new financial instrument (a new kind of a loan) is introduced. The loan-stock instrument (LSI) combines fixed rate instruments (loans, etc.) with other financial instruments that have higher volatilities and returns (stocks, mutual funds, currencies, derivatives, options, etc.). This new loan depends on the value of underlying security (for example, stock) in such a way that when underlying security increases, the value of loan decreases and backwards. The procedure to create a risk free po...

  11. Trust vs. Crisis

    DEFF Research Database (Denmark)

    Mogensen, Kirsten

    2014-01-01

    The three social phenomena -- norms, trust, and crisis -- are in this paper combined into one model that illustrates their function and relationship. Crisis is seen as a reaction to serious violations of expectations that leave people disoriented, insecure about situational norms, and unable...... to judge whom to trust. One logical solution to a crisis is to rebuild a shared understanding of the norms involved in any given context. Banking is used as a case. Central concepts are borrowed from Niklas Luhmann Trust (1968), Alf Ross Directives and Norms (1967), and Arthur G. Neal National Trauma...

  12. Trust vs. Crisis

    Directory of Open Access Journals (Sweden)

    Kirsten Mogensen

    2014-06-01

    Full Text Available The three social phenomena -- norms, trust, and crisis -- are in this paper combined into one model that illustrates their function and relationship. Crisis is seen as a reaction to serious violations of expectations that leave people disoriented, insecure about situational norms, and unable to judge whom to trust. One logical solution to a crisis is to rebuild a shared understanding of the norms involved in any given context. Banking is used as a case. Central concepts are borrowed from Niklas Luhmann Trust (1968, Alf Ross Directives and Norms (1967, and Arthur G. Neal National Trauma & Collective Memory (1998.

  13. Trust and Credit

    DEFF Research Database (Denmark)

    Harste, Gorm

    The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...... of history from the present risk of modern systems back to early modernity, the Reformation and the high medieval Revolutions in law, organization and theology. It is not a history of economics, but a history of the conditions of some communication codes used in economic systems....

  14. Competition Fosters Trust

    DEFF Research Database (Denmark)

    Huck, Steffen; Lünser, Gabriele; Tyran, Jean-Robert Karl

    2012-01-01

    We study the effects of reputation and competition in a trust game. If trustees are anonymous, outcomes are poor: trustees are not trustworthy, and trustors do not trust. If trustees are identifiable and can, hence, build a reputation, efficiency quadruples but is still at only a third of the first...... best. Adding more information by granting trustors access to all trustees' complete history has, somewhat surprisingly, no effect. On the other hand, we find that competition, coupled with some minimal information, eliminates the trust problem almost completely...

  15. Governance, Trust and Taxes

    DEFF Research Database (Denmark)

    Weihe, Guri; Joensen, E. Juanna Schröter

    This paper examines the role of social capital (trust) vis-à-vis the propensity of a country to be a tax haven. The empirical analysis corroborates that better governed countries have a higher ceteris paribus probability to be tax havens. However, social capital counteracts the effect of governance...... quality. This effect is so strong that the partial effect of governance quality is reversed for countries with the trust index in the top quartile – making these high trust countries less likely to be tax havens – even as governance quality is increased. Thus it is crucial to consider the interaction...

  16. Trust and Estate Planning

    DEFF Research Database (Denmark)

    Harrington, Brooke

    2012-01-01

    looks at the ways professionals participate in the creation of stratification regimes. Trust and estate planners do this by sheltering their clients' assets from taxation, thereby preserving private wealth for future generations. Using tools such as trusts, offshore banks, and shell corporations......, these professionals keep a significant portion of the world’s private wealth beyond the reach of the state. Trust and estate planning thus contributes to creating and maintaining socioeconomic inequality on a global scale. The significance of the profession has grown as wealth itself has become more fungible...

  17. Quantifying and Qualifying Trust: Spectral Decomposition of Trust Networks

    NARCIS (Netherlands)

    Pavlovic, Dusko; Degano, Pierpaolo; Etalle, Sandro; Guttman, Joshua

    In a previous FAST paper, I presented a quantitative model of the process of trust building, and showed that trust is accumulated like wealth: the rich get richer. This explained the pervasive phenomenon of adverse selection of trust certificates, as well as the fragility of trust networks in

  18. 78 FR 24447 - Goldman Sachs Trust, et al.; Notice of Application

    Science.gov (United States)

    2013-04-25

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30471; 812-14075] Goldman Sachs Trust, et al.; Notice of Application April 19, 2013. AGENCY: Securities and Exchange Commission..., or cause more than 10% of the acquired company's voting stock to be owned by investment companies and...

  19. 75 FR 32825 - FFCM, LLC and FQF Trust; Notice of Application

    Science.gov (United States)

    2010-06-09

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 29292; File No. 812-13748] FFCM, LLC and FQF Trust; Notice of Application June 2, 2010. AGENCY: Securities and Exchange Commission..., or cause more than 10% of the acquired company's voting stock to be owned by investment companies and...

  20. Education and Social Trust

    DEFF Research Database (Denmark)

    Oskarsson, Sven; Dinesen, Peter Thisted; Dawes, Christopher

    2017-01-01

    One of the clearest results in previous studies on social trust is the robust positive relationship with educational attainment. The most common interpretation is that education has a causal effect on social trust. The theoretical argument and empirical results in this article suggest a different...... interpretation. We argue that common preadult factors such as cognitive abilities and personality traits rooted in genes and early-life family environment may confound the relationship between educational attainment and social trust. We provide new evidence on this question by utilizing the quasi......-experiment of twinning. By looking at the relationship between education and social trust within monozygotic (MZ) twin pairs, we are able to avoid potential confounders rooted in genetic factors and common environmental influences because the monozygotic twins share both. The results suggest that when controlling...

  1. Balancing trust and power

    DEFF Research Database (Denmark)

    Broholm-Jørgensen, Marie; Guassora, Ann Dorrit; Reventlow, Susanne

    2017-01-01

    Objective: Little is known about how strategies of retaining patients are acted out by general practitioners (GPs) in the clinical encounter. With this study, we apply Grimens’ (2009) analytical connection between trust and power to explore how trust and power appear in preventive health checks...... of clinical encounters. Results: From the empirical data, we identified three dimensions of respect: respect for the patient’s autonomy, respect for professional authority and respect as a mutual exchange. A balance of respect influenced trust in the relationship between GP and patients and the transfer...... of power in the encounter. The GPs articulated that a balance was needed in preventive health checks in order to establish trust and thus retain the patient in the clinic. One way this balance of respect was carried out was with the use of humour. Conclusions: To retain patients without formal education...

  2. A formalization of computational trust

    NARCIS (Netherlands)

    Güven - Ozcelebi, C.; Holenderski, M.J.; Ozcelebi, T.; Lukkien, J.J.

    2018-01-01

    Computational trust aims to quantify trust and is studied by many disciplines including computer science, social sciences and business science. We propose a formal computational trust model, including its parameters and operations on these parameters, as well as a step by step guide to compute trust

  3. Assess and enhance public trust

    Science.gov (United States)

    Patricia Winter; James Absher; Alan Watson

    2007-01-01

    Trust is a form of social capital, facilitating effective land management, communication and collaboration. Although trust in the Forest Service is at least moderately high for most publics, evidence of a lack of trust and outright distrust has been found in some communities. However, the amount, types, and conditions of trust necessary for effective management to...

  4. Trust and virtual worlds

    DEFF Research Database (Denmark)

    Ess, Charles; Thorseth, May

    2011-01-01

    We collect diverse philosophical analyses of the issues and problems clustering around trust online with specific attention to establishing trust in virtual environments. The book moves forward important discussions of how virtual worlds and virtuality are to be defined and understood; the role o...... by virtuality, such as virtual child pornography. The introduction further develops a philosophical anthropology, rooted in Kantian ethics, phenomenology, virtue ethics, and feminist perspectives, that grounds a specific approach to ethical issues in virtual environments....

  5. Social relationships and trust

    OpenAIRE

    Binzel, Christine; Fehr, Dietmar

    2010-01-01

    While social relationships play an important role for individuals to cope with missing market institutions, they also limit individuals' range of trading partners. This paper aims at understanding the determinants of trust at various social distances when information asymmetries are present. Among participants from an informal housing area in Cairo we find that the increase in trust following a reduction in social distance comes from the fact that trustors are much more inclined to follow the...

  6. Trust is other people

    DEFF Research Database (Denmark)

    Luckner, Naemi; Werner, Katharina; Subasi, Özge

    concerning the interaction with strangers through the platform. Putting trust in an online sharing community seems to be the biggest obstacle that influences whether people draw away rather than move closer together and start collaborating in the sharing community. Here, we report on the main issues...... involving other participants in the hope to find appropriate ways to create trustful sharing environments that reassure potential participants rather than play into their fears....

  7. Trusted Computing Technologies, Intel Trusted Execution Technology.

    Energy Technology Data Exchange (ETDEWEB)

    Guise, Max Joseph; Wendt, Jeremy Daniel

    2011-01-01

    We describe the current state-of-the-art in Trusted Computing Technologies - focusing mainly on Intel's Trusted Execution Technology (TXT). This document is based on existing documentation and tests of two existing TXT-based systems: Intel's Trusted Boot and Invisible Things Lab's Qubes OS. We describe what features are lacking in current implementations, describe what a mature system could provide, and present a list of developments to watch. Critical systems perform operation-critical computations on high importance data. In such systems, the inputs, computation steps, and outputs may be highly sensitive. Sensitive components must be protected from both unauthorized release, and unauthorized alteration: Unauthorized users should not access the sensitive input and sensitive output data, nor be able to alter them; the computation contains intermediate data with the same requirements, and executes algorithms that the unauthorized should not be able to know or alter. Due to various system requirements, such critical systems are frequently built from commercial hardware, employ commercial software, and require network access. These hardware, software, and network system components increase the risk that sensitive input data, computation, and output data may be compromised.

  8. Computationally Modeling Interpersonal Trust

    Directory of Open Access Journals (Sweden)

    Jin Joo eLee

    2013-12-01

    Full Text Available We present a computational model capable of predicting—above human accuracy—the degree of trust a person has toward their novel partner by observing the trust-related nonverbal cues expressed in their social interaction. We summarize our prior work, in which we identify nonverbal cues that signal untrustworthy behavior and also demonstrate the human mind’s readiness to interpret those cues to assess the trustworthiness of a social robot. We demonstrate that domain knowledge gained from our prior work using human-subjects experiments, when incorporated into the feature engineering process, permits a computational model to outperform both human predictions and a baseline model built in naivete' of this domain knowledge. We then present the construction of hidden Markov models to incorporate temporal relationships among the trust-related nonverbal cues. By interpreting the resulting learned structure, we observe that models built to emulate different levels of trust exhibit different sequences of nonverbal cues. From this observation, we derived sequence-based temporal features that further improve the accuracy of our computational model. Our multi-step research process presented in this paper combines the strength of experimental manipulation and machine learning to not only design a computational trust model but also to further our understanding of the dynamics of interpersonal trust.

  9. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate, small business, or small farm loans, or concerns about the bank's overall credit risk management systems...

  10. The Impact of Corporate Social Responsibility Information Richness on Trust

    Directory of Open Access Journals (Sweden)

    Rafeah Mat Saat

    2014-06-01

    Full Text Available Corporate Social Responsibility (CSR is a concept that describes the relationship between company  and society. The way a company portrays corporate ethics and social initiatives can evoke strong positive reactions among consumers. The emergence of Internet creates a new communicating culture and gives an idea for a company to deliver their CSR message. Applying Media Richness Theory (MRT in CSR message is believed could facilitate trust among consumer. Thus, this study aims to examine the impact of different level of CSR information richness with consumers trust towards the company. This study divides trust into three components that are competence, benevolence and integrity. An experimental design consisting of different levels of CSR information is selected (rich CSR information, lean CSR information and no CSR information as a control condition. The finding shows that rich CSR information has impacted on competence and integrity but not on benevolence. Result from this study is believed can assist companies in setting up their CSR communicating strategy in engaging consumers’ trust.

  11. Trust, values and false consensus

    OpenAIRE

    Butler, Jeffrey V.; Giuliano, Paola; Guiso, Luigi

    2012-01-01

    Trust beliefs are heterogeneous across individuals and, at the same time, persistent across generations. We investigate one mechanism yielding these dual patterns: false consensus. In the context of a trust game experiment, we show that individuals extrapolate from their own type when forming trust beliefs about the same pool of potential partners – i.e., more (less) trustworthy individuals form more optimistic (pessimistic) trust beliefs - and that this tendency continues to color trust beli...

  12. A general definition of trust

    OpenAIRE

    O'Hara, Kieron

    2012-01-01

    In this paper a definition and conceptual analysis of trust is given in terms of trustworthiness. Its focus will be as wide as possible, and will not be restricted to any particular type of trust. The aim is to show the key parameters that enable us to investigate and understand trust, thereby facilitating the development of systems, institutions and technologies to support, model or mimic trust. The paper will also show the strong connection between trust and trustworthiness, showing how the...

  13. Credit reporting, relationship banking, and loan repayment

    Directory of Open Access Journals (Sweden)

    Tahereh Shirzad Kebria

    2015-06-01

    Full Text Available This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.

  14. Do you trust? Whom do you trust? When do you trust?

    NARCIS (Netherlands)

    Snijders, C.C.P.; Keren, G.; Thye, S.R.; Lawler, E.J.; Macy, M.W.; Walker, H.A.

    2001-01-01

    We try to provide a broader view on the factors that infiuence the decision to trust and honor trust. Using the "Trust Game" as our experimental paradigm, we consider three classes offactors that may he related to trust issues. The first one considers individual differences with regard to the

  15. The structure of trust in the safety of nuclear power generation

    International Nuclear Information System (INIS)

    Watabe, Motoki; Haruna, Yasuhiro; Kitada, Atsuko.

    1994-01-01

    The purpose of this research is to clarify the structure of people's trust in electric power companies and nuclear power generation. For this purpose, we carried out questionnaire surveys in the United States and Japan with a special emphasis on the trustworthiness of electric power companies. The results indicated that trustworthiness of electric power companies were rated higher by Americans than by Japanese. Furthermore, trustworthiness of electric power companies in the United States was highly correlated with their trustfulness in private companies in general, whereas one in Japan was rather than correlated with their trust level in the government. This difference may imply Americans do not differentiate electric power companies from other private organizations, while Japanese assign a special status to them closely linked to the government. (author)

  16. 76 FR 10595 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

    Science.gov (United States)

    2011-02-25

    ... engage in real estate settlement servicing; trust company functions; tax planning and tax preparation..., Milwaukee, Wisconsin, and thereby engage in real estate settlement servicing; trust company functions; tax planning and tax preparation services, pursuant to sections 225.28(b)(2), (b)(5), and (b)(6) of Regulation...

  17. In Law We Trust? Trusted Computing and Legal Responsibility for Internet Security

    Science.gov (United States)

    Danidou, Yianna; Schafer, Burkhard

    This paper analyses potential legal responses and consequences to the anticipated roll out of Trusted Computing (TC). It is argued that TC constitutes such a dramatic shift in power away from users to the software providers, that it is necessary for the legal system to respond. A possible response is to mirror the shift in power by a shift in legal responsibility, creating new legal liabilities and duties for software companies as the new guardians of internet security.

  18. A Model of Trusted Measurement Model

    OpenAIRE

    Ma Zhili; Wang Zhihao; Dai Liang; Zhu Xiaoqin

    2017-01-01

    A model of Trusted Measurement supporting behavior measurement based on trusted connection architecture (TCA) with three entities and three levels is proposed, and a frame to illustrate the model is given. The model synthesizes three trusted measurement dimensions including trusted identity, trusted status and trusted behavior, satisfies the essential requirements of trusted measurement, and unified the TCA with three entities and three levels.

  19. Evaluation Of Loan Disbursement And Repayment Of Supervised ...

    African Journals Online (AJOL)

    Evaluation Of Loan Disbursement And Repayment Of Supervised Credit ... bank as regard to loan supervision was scored low as a result of low rate of loan recovery, ... strategy to recover outstanding debts and reduce interest charge on loans.

  20. 78 FR 66086 - DBX ETF Trust, et al.; Notice of Application

    Science.gov (United States)

    2013-11-04

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30770; 812-14004] DBX ETF...(d)(1)(A) and (B) of the Act. Applicants: DBX ETF Trust and db-X Exchange Traded Funds, Inc... multiple series. DBX ETF Trust will initially offer one series (the ``Initial Fund'') that will rely on the...

  1. 78 FR 42122 - Bridge Builder Trust and Olive Street Investment Advisers, LLC; Notice of Application

    Science.gov (United States)

    2013-07-15

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30592; 812-14118] Bridge...: Bridge Builder Trust (the ``Trust'') and Olive Street Investment Advisers (the ``Adviser'') (collectively... the requested order as a Fund is the Bridge Builder Bond Fund. For purposes of the requested order...

  2. 77 FR 73089 - Cambria Investment Management, L.P. and Cambria ETF Trust; Notice of Application

    Science.gov (United States)

    2012-12-07

    ... Investment Management, L.P. and Cambria ETF Trust; Notice of Application November 30, 2012. AGENCY... (e) certain registered management investment companies and unit investment trusts outside of the same... Jennifer L. Sawin, Branch Chief, at (202) 551-6821 (Division of Investment Management, Office of Investment...

  3. 77 FR 74884 - Cambria Investment Management, L.P. and Cambria ETF Trust; Notice of Application

    Science.gov (United States)

    2012-12-18

    ... Investment Management, L.P. and Cambria ETF Trust; Notice of Application December 12, 2012. AGENCY... request an order that permits: (a) Actively-managed series of certain open-end management investment... registered management investment companies and unit investment trusts outside of the same group of investment...

  4. 78 FR 77175 - Catalyst Capital Advisors LLC and Mutual Fund Series Trust; Notice of Application

    Science.gov (United States)

    2013-12-20

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30832; 812-14101] Catalyst... shareholder approval. APPLICANTS: Catalyst Capital Advisors LLC (``CCA'' or the ``Adviser'') and Mutual Fund Series Trust (formerly Catalyst Funds) (the ``Trust''). DATES: Filing Dates: The application was filed on...

  5. Search for Trustful Leadership in Secondary Schools: Is Empowerment the Solution?

    Science.gov (United States)

    Freire, Carla; Fernandes, António

    2016-01-01

    The purpose of this study is to analyse how the access to structures of empowerment by teachers in primary and secondary education impacts on their trust of the headmaster of the school management board. Using the theoretical framework of empowerment and trust in the context of companies, one adapted the constructs of these scales to the reality…

  6. The Making and Breaking of Trust in Pension Providers : An Empirical Study of Dutch Pension Participants

    NARCIS (Netherlands)

    van Dalen, Harry; Henkens, Kene

    2017-01-01

    Trust in pension institutions is pivotal in making pension decisions, like saving or enrolling in pension programs. But which traits of pension institutions matter in making or breaking trust in providers like pension funds, banks or insurance companies? This paper presents an empirical analysis of

  7. The making and breaking of trust in pension providers : An empirical study of pension participants

    NARCIS (Netherlands)

    van Dalen, Harry; Henkens, Kene

    2018-01-01

    Trust in pension institutions is pivotal in making pension decisions, like saving or enrolling in pension programs. But which traits of pension institutions matter in making or breaking trust in providers like pension funds, banks or insurance companies? This paper presents an empirical analysis of

  8. CEO and Businesses are Losing Trust: Comparison of EU, USA, Czech and Slovak Republic

    Directory of Open Access Journals (Sweden)

    Denisa Kasl Kollmannová

    2012-06-01

    Full Text Available This article presents an in-depth study based on open-source data analysis (Edelman Trust Barometer and EuropeanCommunication Monitor concerning the general loss of trust, which both commercial companies, governments and,on a minor scale, also NGOs have been experiencing since the Global Financial Crisis in 2008. Trust is an essentialline of corporate communications, public relations and reputation management of companies and it is personalizedby the CEOs and top management. According to the data, the trust of CEOs saw the biggest decline in the U.S.while in Slovakia the trust is still quite high; on the contrary, in the E.U. in general, the level of trust of CEOs reacheda historical minimum of 30%. The overall shift from trusting the traditional authorities, such as government, CEOsand offi cial representatives to academics, stakeholders, employees and general “vox populi” can be seen globally.The aim of this article is to defi ne trust and the social and communications context of building trust as a key factorin a company´s reputation. Finally, clear managerial implications on reputation management focusing on Czech andSlovak CEOs and businesses will be given.

  9. Trust transitivity in social networks.

    Directory of Open Access Journals (Sweden)

    Oliver Richters

    Full Text Available Non-centralized recommendation-based decision making is a central feature of several social and technological processes, such as market dynamics, peer-to-peer file-sharing and the web of trust of digital certification. We investigate the properties of trust propagation on networks, based on a simple metric of trust transitivity. We investigate analytically the percolation properties of trust transitivity in random networks with arbitrary in/out-degree distributions, and compare with numerical realizations. We find that the existence of a non-zero fraction of absolute trust (i.e. entirely confident trust is a requirement for the viability of global trust propagation in large systems: The average pair-wise trust is marked by a discontinuous transition at a specific fraction of absolute trust, below which it vanishes. Furthermore, we perform an extensive analysis of the Pretty Good Privacy (PGP web of trust, in view of the concepts introduced. We compare different scenarios of trust distribution: community- and authority-centered. We find that these scenarios lead to sharply different patterns of trust propagation, due to the segregation of authority hubs and densely-connected communities. While the authority-centered scenario is more efficient, and leads to higher average trust values, it favours weakly-connected "fringe" nodes, which are directly trusted by authorities. The community-centered scheme, on the other hand, favours nodes with intermediate in/out-degrees, in detriment of the authorities and its "fringe" peers.

  10. Trust Transitivity in Social Networks

    Science.gov (United States)

    Richters, Oliver; Peixoto, Tiago P.

    2011-01-01

    Non-centralized recommendation-based decision making is a central feature of several social and technological processes, such as market dynamics, peer-to-peer file-sharing and the web of trust of digital certification. We investigate the properties of trust propagation on networks, based on a simple metric of trust transitivity. We investigate analytically the percolation properties of trust transitivity in random networks with arbitrary in/out-degree distributions, and compare with numerical realizations. We find that the existence of a non-zero fraction of absolute trust (i.e. entirely confident trust) is a requirement for the viability of global trust propagation in large systems: The average pair-wise trust is marked by a discontinuous transition at a specific fraction of absolute trust, below which it vanishes. Furthermore, we perform an extensive analysis of the Pretty Good Privacy (PGP) web of trust, in view of the concepts introduced. We compare different scenarios of trust distribution: community- and authority-centered. We find that these scenarios lead to sharply different patterns of trust propagation, due to the segregation of authority hubs and densely-connected communities. While the authority-centered scenario is more efficient, and leads to higher average trust values, it favours weakly-connected “fringe” nodes, which are directly trusted by authorities. The community-centered scheme, on the other hand, favours nodes with intermediate in/out-degrees, in detriment of the authorities and its “fringe” peers. PMID:21483683

  11. Antecedents and Consequences of Consumer Trust in the Context of Service Recovery

    Directory of Open Access Journals (Sweden)

    Cristiane Pizzutti dos Santos

    2008-07-01

    Full Text Available The purpose of this paper is to investigate the antecedents and consequences of consumer trust after complaint handling episodes about services. A cross-sectional study was carried out with complainers of banks and airline companies. The respondents were approached at an International Airport in Brazil. Structural Equation Modeling was used to test the hypotheses developed. The building of consumer trust was sensitive to perceptions of justice regarding the way complaints were handled by the company. More specifically, the perception of interactional fairness strongly impacted consumer trust in the employees which, in turn, revealed a high impact on trust in the company. Insofar as satisfaction with complaint handling does not mediate the relationship between the dimensions of fairness and trust, following a conflict it loses part of its importance. Finally, both repurchase intention and word-of-mouth communication were influenced by trust in the company, satisfaction with complaint handling and perceived value. The company should attentively observe the interactional aspect in terms of developing relationships with customers. Appropriate complaint handling and the consequent trust created between the parties is an efficient form of developing and maintaining solid relationships with customers.

  12. 17 CFR 230.482 - Advertising by an investment company as satisfying requirements of section 10.

    Science.gov (United States)

    2010-04-01

    ... about the investment company; identifies a source from which an investor may obtain a prospectus and, if... non-money market funds. In the case of an open-end management investment company or a trust account... advertisement for an open-end management investment company (other than a company that is permitted under § 270...

  13. Trust within the Organizations of the New Economy: an Empirical Analysis of the Consequences of Institutional Uncertainty

    Directory of Open Access Journals (Sweden)

    Marco Tulio F. Zanini

    2009-01-01

    Full Text Available This study investigates the effects of different institutional frameworks on the levels of trust within hierarchies. Following the insight into the changing of labour contracts provided by New Economy theorists and International Labour Organization [ILO] reports, this study investigates the possible differences in the levels of trust between two paradigms: the Old Economy and the New Economy. We argue that singular institutional changes which better characterize the New Economy in the form of environmental uncertainty set considerable constrains on trust development. By approaching trust as a dependent variable in a cross-industrial comparison, a questionnaire survey was carried out in Brazil accessing the levels of trust within seven Brazilian private companies. From the literature review and empirical observation of the reality of these organizations, companies were identified and classified into different groups. The study concludes that relative high institutional uncertainty considerably limits the development of trust levels within those companies operating in the New Economy.

  14. A Chinese sky trust?

    Energy Technology Data Exchange (ETDEWEB)

    Brenner, Mark [Political Economy Research Institute, University of Massachusetts, Amherst (United States)]. E-mail: brenner@econs.umass.edu; Riddle, Matthew [Department of Economics, University of Massachusetts, Amherst (United States)]. E-mail: mriddle@econs.umass.edu; Boyce, James K. [Political Economy Research Institute and Department of Economics, University of Massachusetts, Amherst (United States)]. E-mail: boyce@econs.umass.edu

    2007-03-15

    The introduction of carbon charges on the use of fossil fuels in China would have a progressive impact on income distribution. This outcome, which contrasts to the regressive distributional impact found in most studies of carbon charges in industrialized countries, is driven primarily by differences between urban and rural expenditure patterns. If carbon revenues were recycled on an equal per capita basis via a 'sky trust,' the progressive impact would be further enhanced: low-income (mainly rural) households would receive more in sky-trust dividends than they pay in carbon charges, and high-income (mainly urban) households would pay more than they receive in dividends. Thus a Chinese sky trust would contribute to both lower fossil fuel consumption and greater income equality.

  15. Impact Through Trust

    DEFF Research Database (Denmark)

    Mayoral, Juan A.

    of its rulings and legal mandates in national judiciaries and legal systems? This question is crucial if we understand that national courts are the key decentralised enforcers of the European Union (EU) law responsible for ensuring the effectiveness of EU law and the rulings and mandates imposed...... by the Court. EU scholars have already offered several legalist and institutionalist responses to why national courts participate in this process of legal integration in the EU and, most importantly, why the follow the mandates and rulings from the CJEU. This chapter innovates in this regard by introducing...... trust between judges as a new mechanism for enhancing the cooperation and compliance by national courts with the CJEU jurisprudence and EU legal mandates. The chapter describes the conditions under which national judges trust the CJEU to identify how the Court can promote trust in its role as a supreme...

  16. Trusts and Financialization

    DEFF Research Database (Denmark)

    Harrington, Brooke

    2017-01-01

    the global spread of financialization: by privileging the rentier–investor within the 15 world economy; by perpetuating a distinctively Anglo-American approach to finance internationally; and by increasing the autonomy of finance vis-a-vis the nation-state. This study shares the primarily descriptive......This article identifies trusts as a legal structure associated with the global spread of financialization. Although trusts originated in Medieval England, they have acquired a new significance in contemporary finance by virtue of their advantages in terms of 10 profit maximization and capital...... and conceptual intent of Krippner’s work on financialization, but extends it in two ways: by comparing trusts to the better- known corporate form of organizing financial activity, and by showing how private 20 capital is implicated in the financialized economy alongside corporate wealth....

  17. Trust in Diverse Teams

    DEFF Research Database (Denmark)

    Clausen, Lisbeth

    , maintaining team cohesiveness in multicultural teams to collaborate effectively presents a number of challenges. The present study employs the concept of trust to explore influences on team collaboration in high performing teams. The study is based on observation of teams in seven multinational corporations...... and interviews with managers from the US, Europe, China and Japan. The study presents a conceptual framework - a ‘trust buffer’ – which enables analysis and exemplification of the dynamics and challenges of teams as drivers of change. Each team has strategically important tasks, unique capacities and deal...... with change in particular ways: Each team is analyzed in relation to its global (HQ) mandate, local (national) stakeholders and organizational context. It is found that communication energy, resources and team mandate underscore the sense of trust in high performing teams. Diversity is understood...

  18. A Chinese sky trust?

    International Nuclear Information System (INIS)

    Brenner, Mark; Riddle, Matthew; Boyce, James K.

    2007-01-01

    The introduction of carbon charges on the use of fossil fuels in China would have a progressive impact on income distribution. This outcome, which contrasts to the regressive distributional impact found in most studies of carbon charges in industrialized countries, is driven primarily by differences between urban and rural expenditure patterns. If carbon revenues were recycled on an equal per capita basis via a 'sky trust,' the progressive impact would be further enhanced: low-income (mainly rural) households would receive more in sky-trust dividends than they pay in carbon charges, and high-income (mainly urban) households would pay more than they receive in dividends. Thus a Chinese sky trust would contribute to both lower fossil fuel consumption and greater income equality

  19. Trust Models in Ubiquitous Computing

    DEFF Research Database (Denmark)

    Nielsen, Mogens; Krukow, Karl; Sassone, Vladimiro

    2008-01-01

    We recapture some of the arguments for trust-based technologies in ubiquitous computing, followed by a brief survey of some of the models of trust that have been introduced in this respect. Based on this, we argue for the need of more formal and foundational trust models.......We recapture some of the arguments for trust-based technologies in ubiquitous computing, followed by a brief survey of some of the models of trust that have been introduced in this respect. Based on this, we argue for the need of more formal and foundational trust models....

  20. Single Family Loan Sale Initiative - National Offering

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...

  1. Discriminant Analysis of Student Loan Applications

    Science.gov (United States)

    Dyl, Edward A.; McGann, Anthony F.

    1977-01-01

    The use of discriminant analysis in identifying potentially "good" versus potentially "bad" student loans is explained. The technique is applied to a sample of 200 student loan applications at the University of Wyoming. (LBH)

  2. Financial Management: Emergency Steel Loan Guarantee Program

    National Research Council Canada - National Science Library

    2001-01-01

    In a February 1, 2001 letter, you expressed concerns about repayments of federally guaranteed loans by borrowers under the Emergency Steel Loan Guarantee Program and the effect of the program on the U.S. steel industry...

  3. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... security for the loan will be reasonably adequate and that the loan will be repaid according to the terms... other provisions as RUS may require to ensure loan repayment and reasonably adequate loan security. ...

  4. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

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

  5. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan... Administration (FCA or we) issues this final rule to amend its regulations on loan policies and operations. This... purchase from the Federal Deposit Insurance Corporation (FDIC) loans to farmers, ranchers, producers or...

  6. 75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-09-16

    ...-AC62 Loan Policies and Operations; Loan Purchases From FDIC AGENCY: Farm Credit Administration. ACTION... authority to purchase from the Federal Deposit Insurance Corporation loans to farmers, ranchers, producers... Federal Deposit Insurance Corporation loans to farmers, ranchers, producers or harvesters of aquatic...

  7. Bank Systemic Risk-Taking and Loan Pricing : Evidence from Syndicated Loans

    NARCIS (Netherlands)

    Gong, D.

    2014-01-01

    In this paper we document evidence of systemic risk taking from syndicated loan pricing. Using U.S. syndicated loan data, we find that the borrower's idiosyncratic risk is positively priced whereas systematic risk is negatively related to loan spreads, controlling for firm, loan and bank specific

  8. Trusted cloud computing

    CERN Document Server

    Krcmar, Helmut; Rumpe, Bernhard

    2014-01-01

    This book documents the scientific results of the projects related to the Trusted Cloud Program, covering fundamental aspects of trust, security, and quality of service for cloud-based services and applications. These results aim to allow trustworthy IT applications in the cloud by providing a reliable and secure technical and legal framework. In this domain, business models, legislative circumstances, technical possibilities, and realizable security are closely interwoven and thus are addressed jointly. The book is organized in four parts on "Security and Privacy", "Software Engineering and

  9. Competition Fosters Trust

    DEFF Research Database (Denmark)

    Huck, Steffen; Ruchala, Gabriele K.; Tyran, Jean-Robert

    We study the effects of reputation and competition in a stylized market for experience goods. If interaction is anonymous, such markets perform poorly: sellers are not trustworthy, and buyers do not trust sellers. If sellers are identifiable and can, hence, build a reputation, efficiency quadruples...... but is still at only a third of the first best. Adding more information by granting buyers access to all sellers’ complete history has, somewhat surprisingly, no effect. On the other hand, we find that competition, coupled with some minimal information, eliminates the trust problem almost completely...

  10. Time and Trust

    DEFF Research Database (Denmark)

    Hansen, Annette Skovsted

    current Africa strategies as part of a long history of a variety of stakeholders on the African continent. I argue that trust and lack of trust based on long term relations influence choices on aid distribution made by African and partner countries. The analysis is based on a reading of OECD statistics...... on aid distribution in combination with select interviews with stakeholders in foreign aid, and archival findings on the historical presence of Japanese, Chinese, Indian, European, and North American people on the African continent. By looking at the impact of historical networks on ODA distribution...

  11. Trust in Anonymity Networks

    Science.gov (United States)

    Sassone, Vladimiro; Hamadou, Sardaouna; Yang, Mu

    Anonymity is a security property of paramount importance, as we move steadily towards a wired, online community. Its import touches upon subjects as different as eGovernance, eBusiness and eLeisure, as well as personal freedom of speech in authoritarian societies. Trust metrics are used in anonymity networks to support and enhance reliability in the absence of verifiable identities, and a variety of security attacks currently focus on degrading a user's trustworthiness in the eyes of the other users. In this paper, we analyse the privacy guarantees of the Crowds anonymity protocol, with and without onion forwarding, for standard and adaptive attacks against the trust level of honest users.

  12. 76 FR 58849 - Legg Mason Partners Equity Trust, et al.;

    Science.gov (United States)

    2011-09-22

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 29789; File No. 812-13892] Legg Mason Partners Equity Trust, et al.; Notice of Application September 15, 2011. AGENCY: Securities and Exchange Commission (``Commission''). ACTION: Notice of an application under section 6(c) of the...

  13. Promoting renewables through soft loans

    International Nuclear Information System (INIS)

    Marcks, C.

    1999-01-01

    The DtA, founded in 1950s, is a federal institution owned by the German government. It assists the government to implement its economic, environmental and social policy. Financial assistance is being granted mainly through soft loans. Such loans are a flexible instrument, permitting to partially correct prices without severely distorting market forces. They assure total financing while spreading the subsidy over the entire period of the engagement. This avoids windfall opportunities often related to direct subsidies. Investors, therefore, have an intrinsic motivation to only submit sound and profitable projects. (orig./RHM)

  14. Fostering interpersonal trust on social media: physicians' perspectives and experiences.

    Science.gov (United States)

    Panahi, Sirous; Watson, Jason; Partridge, Helen

    2016-02-01

    The problem of developing and sustaining mutual trust is one of the main barriers to knowledge sharing on social media platforms such as blogs, wikis, micro-blogs and social networking websites. While many studies argue that mutual trust is necessary for online communication and knowledge sharing, few have actually explored and demonstrated how physicians can establish and sustain trusted relationships on social media. To identify approaches through which physicians establish interpersonal trust on social media. Twenty-four physicians, who were active users of social media, were interviewed using a semi-structured approach between 2013 and 2014. Snowball sampling was employed for participant recruitment. The data were analysed using a thematic analysis approach. Physicians trust their peers on social media in a slightly different way than in face-to-face communication. The study found that the majority of participants established trust on social media mainly through previous personal interaction, authenticity and relevancy of voice, professional standing, consistency of communication, peer recommendation, and non-anonymous and moderated sites. Healthcare professionals need to approach social media carefully when using it for knowledge sharing, networking and developing trusted relations with like-minded peers. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/

  15. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

    van Esterik-Plasmeijer, P.; van Raaij, W.F.

    2017-01-01

    Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights

  16. 76 FR 5055 - Loan Servicing; Farm Loan Programs

    Science.gov (United States)

    2011-01-28

    ... suspending interest accrual and offsets, if a borrower has filed a claim of program discrimination that has... claim, including interest accruals and offsets, while the discrimination claim is being resolved. This... 761 Accounting, Loan programs--Agriculture, Rural areas. 7 CFR Part 766 Agriculture, Agricultural...

  17. 7 CFR 771.14 - Loan monitoring.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan monitoring. 771.14 Section 771.14 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.14 Loan monitoring. (a) Annual and periodic... any potential problems or concerns. (b) Performance monitoring. At any time FSA determines it...

  18. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

    While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…

  19. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.67 Section 4043.67 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Advance Notice of Reportable Events § 4043.67 Loan default. (a) Reportable event and information required. Advance notice is required for a loan default, as described in...

  20. 7 CFR 3560.72 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.72 Loan closing. (a... all cases, the borrower must: (1) Provide evidence that an Agency-approved accounting system is in... cost of the work performed in connection with the construction contract in accordance with 7 CFR part...

  1. DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA

    Directory of Open Access Journals (Sweden)

    Akwaa-Sekyi, Ellis Kofi

    2015-05-01

    Full Text Available The initiation, funding, servicing and monitoring of loans by financial intermediaries has been done without regard to some critical factors which could have averted the likelihood of default. The study aimed at measuring the extent that owner-specific, borrower-specific, loan and lender-specific characteristics could determine the probability of loan default. The study used logistic regression for 224 business customers of a bank in Ghana from its nation-wide branches. The study found that owner’s extra income (ownership characteristics, multiple borrowing, diversion of loan purpose (borrower characteristics, loan price, loan purpose, loan age, repayment plan (loan characteristics and underfunding (lender characteristics significantly determined the probability of business loan default. The overall model predicted up to 78.5% of variations in the likelihood of default. The hierarchy of strong determinants given by their odd ratios were loan purpose (47.9 times, underfunding (19.2 times, diversion of loan purpose (11.7 times multiple borrowing (9.4 times and owner’s extra income (8.2 times. The study can conclude that financial intermediaries should be wary of the credit granting process taking cognisance of ownership, borrower, loan and lender characteristics especially the significant predictors. Combining quantitative and qualitative variables as determinants of default could be considered in future.

  2. 11 CFR 100.82 - Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...

  3. 11 CFR 100.142 - Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...

  4. Rules versus discretion in loan rate setting

    NARCIS (Netherlands)

    Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.

    2011-01-01

    Loan rates for seemingly identical borrowers often exhibit substantial dispersion. This paper investigates the determinants of the dispersion in interest rates on loans granted by banks to small and medium sized enterprises. We associate this dispersion with the loan officers’ use of “discretion” in

  5. 7 CFR 761.8 - Loan Limitations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan Limitations. 761.8 Section 761.8 Agriculture... SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.8 Loan Limitations. (a) Dollar... cannot exceed any of the following at the time of loan closing or assumption of indebtedness. If the...

  6. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-14] Cooperative Share Loan... comments on the subject proposal. New guidance for cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA...

  7. Cumulative Student Loan Debt in Minnesota, 2015

    Science.gov (United States)

    Williams-Wyche, Shaun

    2016-01-01

    To better understand student debt in Minnesota, the Minnesota Office of Higher Education (the Office) gathers information on cumulative student loan debt from Minnesota degree-granting institutions. These data detail the number of students with loans by institution, the cumulative student loan debt incurred at that institution, and the percentage…

  8. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

    ... quality and quantity as collateral to satisfy the processor's loan indebtedness to CCC. CCC shall not assume any loss in quantity or quality of the loan collateral. (2) The processor is responsible for... and in-process sugar pledged as loan collateral need not be stored identity preserved. (4) When the...

  9. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

    ... classifications is of obvious importance. However, the function of the Substandard classification is to indicate... seasoned loan, a loan must: (1) Have a remaining principal loan balance of two-thirds or less of the... intermediary's operation or an imbalanced position in the balance sheet which has not reached a point that...

  10. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... Agency will analyze Federal Government and other assistance provided to any MFH project to establish the... differently in a Memorandum of Understanding between the Agency and the state agency that allocates low-income...

  11. Interlibrary Loan Communications Subsystem: Users Manual.

    Science.gov (United States)

    OCLC Online Computer Library Center, Inc., Dublin, OH.

    The OCLC Interlibrary Loan (ILL) Communications Subsystem provides participating libraries with on-line control of ILL transactions. This user manual includes a glossary of terms related to the procedures in using the system. Sections describe computer entry, searching, loan request form, loan response form, ILL procedures, the special message…

  12. High Bids and Low Recovery: A Possible Case for Non-Performing Loan Auctions in India

    OpenAIRE

    Pandey, Ashish

    2016-01-01

    This paper considers the possibility that the prices bid by asset reconstruction companies in India under a security receipt mechanism may not reflect the ultimate recoverable value of nonperforming loans. The paper establishes, using a model and simulations, that the price bid by asset reconstruction companies will reveal their own rational interest and can significantly exceed the recoverable value. The conclusions arrived in this paper raise concerns regarding the use of bids as an indicat...

  13. 13 CFR 123.200 - Am I eligible to apply for a physical disaster business loan?

    Science.gov (United States)

    2010-01-01

    ..., corporation, limited liability company, or other legal entity recognized under State law. Your business' size... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Am I eligible to apply for a physical disaster business loan? 123.200 Section 123.200 Business Credit and Assistance SMALL BUSINESS...

  14. 7 CFR 4290.845 - Maximum rate of amortization on Loans and Debt Securities.

    Science.gov (United States)

    2010-01-01

    ...) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BUSINESS INVESTMENT COMPANY (âRBICâ) PROGRAM Financing of Enterprises by RBICs Structuring Rbic Financing of Eligible Enterprises-Types of Financings § 4290.845 Maximum rate of amortization on Loans and Debt Securities. The...

  15. Understanding Trust in Financial Services

    DEFF Research Database (Denmark)

    Hansen, Torben

    2012-01-01

    Although the financial crisis has elevated the interest for factors such as consumer financial healthiness, broad-scope trust, financial knowledge, and consumer relationship satisfaction, no existing model describes how these factors may influence consumer financial relationship trust...... healthiness, broad-scope trust, knowledge, and satisfaction positively affect narrow-scope trust in financial services. Furthermore, it is found that broad-scope trust negatively moderates the relationships between financial healthiness and narrow-scope trust and between satisfaction and narrow-scope trust....... This research extends prior research by developing a conceptual framework explaining how these constructs affect consumers' trust in their financial service provider. Based on two surveys comprising 764 pension consumers and 892 mortgage consumers, respectively, the results of this study indicate that financial...

  16. The Process of Trust Development

    DEFF Research Database (Denmark)

    Jagd, Søren; Højland, Jeppe

    in management among employees. Trust is found to be higher among employees interacting regularly with managers, as in the project coordination group. It is found that personal relations are very important for the development of trust. The success of the project may be explained by the involvement of an ‘elite...... and discuss with colleagues from other departments and develop personal knowledge of each other....... by high trust and co-operation? In this paper we explore the process of trust development during an organisational change project in a Danish SME by looking at two kinds of trust relations: employee trust in management and trust relations among employees. We find substantial differences in trust...

  17. Trust metrics in information fusion

    Science.gov (United States)

    Blasch, Erik

    2014-05-01

    Trust is an important concept for machine intelligence and is not consistent across many applications. In this paper, we seek to understand trust from a variety of factors: humans, sensors, communications, intelligence processing algorithms and human-machine displays of information. In modeling the various aspects of trust, we provide an example from machine intelligence that supports the various attributes of measuring trust such as sensor accuracy, communication timeliness, machine processing confidence, and display throughput to convey the various attributes that support user acceptance of machine intelligence results. The example used is fusing video and text whereby an analyst needs trust information in the identified imagery track. We use the proportional conflict redistribution rule as an information fusion technique that handles conflicting data from trusted and mistrusted sources. The discussion of the many forms of trust explored in the paper seeks to provide a systems-level design perspective for information fusion trust quantification.

  18. FINANCIAL PERFORMANCE AND FACTORS INFLUENCING ITS BANKING COMPANIES IN INDONESIA STOCK EXCHANGE

    Directory of Open Access Journals (Sweden)

    Yolanda

    2018-03-01

    Full Text Available This study is about the influence of corporate governance on corporate performance in Indonesia. Data from 20 banking companies in Indonesia Stock Exchange for the period of five years 2011-2016 conducted a panel data analysis with modeling by conducting Chow and Hausman tests. The results show that the influence of corporate governance (institutional share ownership, independent comers, audit committee and board of directors, non performing loan and loan to deposit ratio have an effect on company performance measure. in particular, the findings indicate that non performing loans have a negative and significant effect on return on assets, and audit committee variables have a positive and significant impact on return on equity, whereas while non performing loan and loan to deposit ratio have the negative and significant impact on return on equity. Other variables have no significant effect on return on assets and return on equity.

  19. Trust and Critical Thinking

    Science.gov (United States)

    Kleinig, John

    2018-01-01

    This article discusses the tension between trust, as an expression of interpersonal commitment, and critical thinking, which includes a demand for reasons. It explores the importance of each for individual flourishing, and then seeks to establish some ways in which they intersect, drawing on ideas of authority and trustworthiness. It argues that…

  20. Researching trust in Wikipedia

    NARCIS (Netherlands)

    Lucassen, T.; Schraagen, Johannes Martinus Cornelis

    2011-01-01

    As the use of collaborative online encyclopedias such as Wikipedia grows, so does the need for research on how users evaluate its credibility. In this paper we compare three experimental approaches to study trust in Wikipedia, namely think aloud, eye-tracking, and online questionnaires. The

  1. Know what you trust

    NARCIS (Netherlands)

    Spiessens, F.; den Hartog, Jeremy; Etalle, Sandro; Degano, P.; Guttman, J. D.; Martinelli, F.

    2009-01-01

    In Decentralized Trust Management (DTM) authorization decisions are made by multiple principals who can also delegate decisions to each other. Therefore, a policy change of one principal will often affect who gets authorized by another principal. In such a system of influenceable authorization a

  2. Initial Formation of Trust

    DEFF Research Database (Denmark)

    Schärfe, Henrik; Dougerthery, Elizabeth Ann

    2011-01-01

    In this paper we present a study of how touch may be used as a way of inducing trust in the meeting with a teloperated android, the Geminoid-DK. The use of hapics with Gestalt-based 'Balance Theory' is used as a persuasive desing of the interaction between human and robot. Balance theory includes...

  3. Trust-distrust Balance

    DEFF Research Database (Denmark)

    Jukka, Minna; Blomqvist, Kirsimarja; Li, Peter Ping

    2017-01-01

    notion of "guanxi" as personal ties. In contrast, the Finnish managers' view of trustworthiness was more associated with depersonalized organizational attributes. They emphasized the dimension of integrity, especially promise-keeping. In addition, tentative signs of trust ambivalence, as a balance...... opposites constitute a duality to be managed from the perspective of yin-yang balancing....

  4. Trust in agile teams

    DEFF Research Database (Denmark)

    Tjørnehøj, Gitte; Fransgård, Mette; Skalkam, Signe

    2012-01-01

    actions influenced this. We see two important lessons from the analysis. First the agile practices of daily Scrum and self organizing team can empower DSD teams to manage their own development of trust and thereby alleviate the obstacles of DSD. Second if management fails to support the development...

  5. Trust Transitivity in Social Networks

    OpenAIRE

    Richters, Oliver; Peixoto, Tiago P.

    2011-01-01

    Non-centralized recommendation-based decision making is a central feature of several social and technological processes, such as market dynamics, peer-to-peer file-sharing and the web of trust of digital certification. We investigate the properties of trust propagation on networks, based on a simple metric of trust transitivity. We investigate analytically the percolation properties of trust transitivity in random networks with arbitrary in/out-degree distributions, and compare with numerical...

  6. Constitutional Verbosity and Social Trust

    DEFF Research Database (Denmark)

    Bjørnskov, Christian; Voigt, Stefan

    2014-01-01

    A common argument in the trust literature is that high-trust cultures allow efficient commercial contracts to be shorter, covering fewer contingencies. We take this idea to the topic of social contracts. Specifically, we ask whether social trust affects the length and detail of constitutions. Cross......-country estimates suggest that national trust levels are indeed robustly and negatively associated with the length of countries’ constitutions....

  7. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

    ..., et al. Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education... General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL...

  8. Trust and understanding: vital in nuclear communication

    International Nuclear Information System (INIS)

    Duncan, C.D.

    1996-01-01

    Rather than attempting to defend itself against the anti-nuclear lobby, the author argues that the nuclear industry can only start to regain public trust when it declares honestly that it has the potential for great harm, as well as good. The general public is generally hostile to and distrustful of many large industries including the oil, gas, chemical and automobile industries, yet their demise is not demanded. The author argues that the nuclear industry needs to become perceived as a trustworthy institution which can be relied upon to prevent its most dangerous potential from being realised, by individual companies highlighting their own corporate excellence and identity. (U.K.)

  9. Trust It or Trash It?

    Science.gov (United States)

    Trust It or Trash It? About | Contact | Español Tab 1 Tab 2 What is Trust It or Trash It? This is a tool ... be true, it may be. (See the second “Trust it” statement above). Click on each element below ...

  10. Creating trust through narrative strategy

    NARCIS (Netherlands)

    Gabbay, SM; Leenders, RTAJ

    In the rational model of trust, an actor's level of trust is a function of the expected gain and loss involved. As a consequence, if A can influence the gain and loss perceived by B, A can influence B's level of trust. In this article we study how A can do this through the strategic use of

  11. Incremental Trust in Grid Computing

    DEFF Research Database (Denmark)

    Brinkløv, Michael Hvalsøe; Sharp, Robin

    2007-01-01

    This paper describes a comparative simulation study of some incremental trust and reputation algorithms for handling behavioural trust in large distributed systems. Two types of reputation algorithm (based on discrete and Bayesian evaluation of ratings) and two ways of combining direct trust and ...... of Grid computing systems....

  12. Creating trust through narrative strategy

    NARCIS (Netherlands)

    Gabbay, SM; Leenders, RTAJ

    2003-01-01

    In the rational model of trust, an actor's level of trust is a function of the expected gain and loss involved. As a consequence, if A can influence the gain and loss perceived by B, A can influence B's level of trust. In this article we study how A can do this through the strategic use of

  13. Trusting Relationships in International Politics

    DEFF Research Database (Denmark)

    Keating, Vincent Charles; Ruzicka, Jan

    2014-01-01

    How can trusting relationships be identified in international politics? The recent wave of scholarship on trust in International Relations answers this question by looking for one or the combination of three indicators – the incidence of cooperation; discourses expressing trust; or the calculated...

  14. Social Capital, Institutions and Trust

    NARCIS (Netherlands)

    Nooteboom, B.

    2006-01-01

    This paper analyzes the relations between social capital, institutions and trust.These concepts are full of ambiguity and confusion.This paper attempts to dissolve some of the confusion, by distinguishing trust and control, and analyzing institutional and relational conditions of trust.It presents a

  15. Trust models in ubiquitous computing.

    Science.gov (United States)

    Krukow, Karl; Nielsen, Mogens; Sassone, Vladimiro

    2008-10-28

    We recapture some of the arguments for trust-based technologies in ubiquitous computing, followed by a brief survey of some of the models of trust that have been introduced in this respect. Based on this, we argue for the need of more formal and foundational trust models.

  16. Modelling biased human trust dynamics

    NARCIS (Netherlands)

    Hoogendoorn, M.; Jaffry, S.W.; Maanen, P.P. van; Treur, J.

    2013-01-01

    Abstract. Within human trust related behaviour, according to the literature from the domains of Psychology and Social Sciences often non-rational behaviour can be observed. Current trust models that have been developed typically do not incorporate non-rational elements in the trust formation

  17. Trust, Endangerment and Divine Vulnerability

    DEFF Research Database (Denmark)

    Christoffersen, Mikkel Gabriel

    2017-01-01

    Faith is trusting God in the midst of endangerment. Yet, human experience of excessive suffering has challenged any spontaneous trust in God. In this article, I reconsider the idea of faith as trust in God, adding an emphasis on the divine vulnerability in the incarnation, and I develop a more...

  18. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

    Less-intense competition for deposits, by mitigating banks’ incentive to take excessive risks, is traditionally believed to lead to lower non-performing loan (NPL) ratios and more-stable banks. This paper revisits this proposition in a model with borrower moral hazard in which banks’ NPL ratios

  19. Microcomputers: An Interlibrary Loan Application.

    Science.gov (United States)

    Evans, Elizabeth A.

    1984-01-01

    Description of a microcomputer-based system for local processing of interlibrary loan (ILL) requests developed at Environmental Protection Agency library discusses database management systems, hardware, databases, and command files. Subsequent changes resulting from system's implementation at East Carolina University Health Sciences Library are…

  20. Studies of transformational leadership: evaluating two alternative models of trust and satisfaction.

    Science.gov (United States)

    Yang, Yi-Feng

    2014-06-01

    This study evaluates the influence of leadership style and employee trust in their leaders on job satisfaction. 341 personnel (164 men, 177 women; M age = 33.5 yr., SD = 5.1) from four large insurance companies in Taiwan completed the transformational leadership behavior inventory, the leadership trust scale and a short version of the Minnesota (Job) Satisfaction Questionnaire. A bootstrapping mediation and structural equation modeling revealed that the effect of transformational leadership on job satisfaction was mediated by leadership trust. This study highlights the importance of leadership trust in leadership-satisfaction relationships, and provides managers with practical ways to enhance job satisfaction.

  1. Bank Consolidation and Consumer Loan Interest Rates

    OpenAIRE

    Charles Kahn; George Pennacchi; Ben Sopranzetti

    2001-01-01

    The recent wave of bank mergers has raised concern with its effect on competition. This paper examines the influence of concentration and merger activity on consumer loan interest rates. It uses Bank Rate Monitor, Inc. survey data on loan rates quoted weekly by large commercial banks in ten major U.S. cities during the 1989 to 1997 period. The pricing behavior of banks is analyzed for two types of loans: new automobile loans and unsecured personal loans. Market concentration is found to have ...

  2. Federated product data management in multi company projects

    NARCIS (Netherlands)

    Pels, H.J.; Elmaraghy, H.A.; Elmaraghy, W.H.

    2005-01-01

    An approach for enabling concurrent engineering between companies by providing a proper collaboration platform, as developed in the VIDOP project is proposed. Apart from security, information status is an important element of trust. However, status-coding schemes differ much between companies and

  3. 26 CFR 1.852-3 - Investment company taxable income.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 9 2010-04-01 2010-04-01 false Investment company taxable income. 1.852-3 Section 1.852-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Regulated Investment Companies and Real Estate Investment Trusts § 1.852...

  4. Trust and Its Impact on Cooperation in Alliance Networks:Theory and Practice

    Directory of Open Access Journals (Sweden)

    Wlodzimierz SROKA

    2011-11-01

    Full Text Available At present we can observe the increasing role of cooperation among companies all around the world. Cooperation includes many forms, such as alliances, joint ventures, networks, clusters, outsourcing and others. Trust is one of the most important factors of success of any cooperation activity, because it can lower transaction costs, increase productivity and innovativeness, facilitate inter-organizational relationships and resolve conflicts. Therefore the paper discusses the basic problems of trust in alliance networks. The text consists of theoretical deliberations devoted to alliance networks and trust. The practical case of the company from machine industry that formed a portfolio of alliances based on trust is also an important part of the text. The conclusion of the paper is that portfolio of alliances based on trust is worth pursuing.

  5. The Condition for Generous Trust.

    Directory of Open Access Journals (Sweden)

    Obayashi Shinya

    Full Text Available Trust has been considered the "cement" of a society and is much studied in sociology and other social sciences. Most studies, however, have neglected one important aspect of trust: it involves an act of forgiving and showing tolerance toward another's failure. In this study, we refer to this concept as "generous trust" and examine the conditions under which generous trust becomes a more viable option when compared to other types of trust. We investigate two settings. First, we introduce two types of uncertainties: uncertainty as to whether trustees have the intention to cooperate, and uncertainty as to whether trustees have enough competence to accomplish the entrusted tasks. Second, we examine the manner in which trust functions in a broader social context, one that involves matching and commitment processes. Since we expect generosity or forgiveness to work differently in the matching and commitment processes, we must differentiate trust strategies into generous trust in the matching process and that in the commitment process. Our analytical strategy is two-fold. First, we analyze the "modified" trust game that incorporates the two types of uncertainties without the matching process. This simplified setting enables us to derive mathematical results using game theory, thereby giving basic insight into the trust mechanism. Second, we investigate socially embedded trust relationships in contexts involving the matching and commitment processes, using agent-based simulation. Results show that uncertainty about partner's intention and competence makes generous trust a viable option. In contrast, too much uncertainty undermines the possibility of generous trust. Furthermore, a strategy that is too generous cannot stand alone. Generosity should be accompanied with moderate punishment. As for socially embedded trust relationships, generosity functions differently in the matching process versus the commitment process. Indeed, these two types of generous

  6. Four Essential Practices for Building Trust

    Science.gov (United States)

    Combs, Julie Peterson; Harris, Sandra; Edmonson, Stacey

    2015-01-01

    The presence of trust can enhance an organization's efforts to fulfill its mission, and the lack of trust can constrict those efforts. The authors offer four essential guidelines to help school leaders communicate in a way that builds trust. Build trust by understanding trust. Trusted leaders demonstrate care, character, and competence in their…

  7. Homo economicus belief inhibits trust.

    Directory of Open Access Journals (Sweden)

    Ziqiang Xin

    Full Text Available As a foundational concept in economics, the homo economicus assumption regards humans as rational and self-interested actors. In contrast, trust requires individuals to believe partners' benevolence and unselfishness. Thus, the homo economicus belief may inhibit trust. The present three experiments demonstrated that the direct exposure to homo economicus belief can weaken trust. And economic situations like profit calculation can also activate individuals' homo economicus belief and inhibit their trust. It seems that people's increasing homo economicus belief may serve as one cause of the worldwide decline of trust.

  8. Trust and Sensemaking in Organizations

    DEFF Research Database (Denmark)

    Fuglsang, Lars; Jagd, Søren; Olsen, Poul Bitsch

    The literature on trust and the literature on sensemaking constitute two separate streams of literature that are both seen as highly relevant to understanding organisational processes in modern complex high-trust organisations. However, though a few studies have argued for the relevance of linkin...... help furthering the understanding of trust processes in organizations. The variety of links between sensemaking and trust processes is illustrated by the intertwining of trust and four processes of sensemaking: arguing, expecting, committing and manipulation identified by Karl Weick....

  9. Modeling trust context in networks

    CERN Document Server

    Adali, Sibel

    2013-01-01

    We make complex decisions every day, requiring trust in many different entities for different reasons. These decisions are not made by combining many isolated trust evaluations. Many interlocking factors play a role, each dynamically impacting the others.? In this brief, 'trust context' is defined as the system level description of how the trust evaluation process unfolds.Networks today are part of almost all human activity, supporting and shaping it. Applications increasingly incorporate new interdependencies and new trust contexts. Social networks connect people and organizations throughout

  10. Homo Economicus Belief Inhibits Trust

    Science.gov (United States)

    Xin, Ziqiang; Liu, Guofang

    2013-01-01

    As a foundational concept in economics, the homo economicus assumption regards humans as rational and self-interested actors. In contrast, trust requires individuals to believe partners’ benevolence and unselfishness. Thus, the homo economicus belief may inhibit trust. The present three experiments demonstrated that the direct exposure to homo economicus belief can weaken trust. And economic situations like profit calculation can also activate individuals’ homo economicus belief and inhibit their trust. It seems that people’s increasing homo economicus belief may serve as one cause of the worldwide decline of trust. PMID:24146907

  11. Company analysis

    DEFF Research Database (Denmark)

    Jenster, Per V.; Hussey, David

    This volume looks at the company appraisal as a whole, examining the continuing need to appraise companies as part of the continuing strategy process. Building from a sound basis of theory, the text aims to be practical and to give guidance to senior managers and others involved in the strategy...... process. It is thus a book primarily aimed at managers, but should also be useful for MBA students undertaking strategy assignments It provides helpful, practical guidance and identifies weaknesses of traditional methods. It also presents a variety of tools which may be used in the appraisal process...

  12. Loan applications in adult patients with congenital heart disease: a French study.

    Science.gov (United States)

    Ladouceur, Magalie; Dugardin, Bertrand; Gourdin, Stéphanie; Sidi, Daniel; Bonnet, Damien; Iserin, Laurence

    2011-01-01

    Improvements in the treatment of children with congenital heart disease have led to most of these patients reaching adulthood. Despite the increase in lifespan, very little is known about their quality of life - in particular, their ability to obtain a mortgage or consumer loan. To investigate the outcome of mortgage and loan applications made by adults with differential severities of congenital heart disease. Four hundred and seventy-six patients were invited to participate in a questionnaire-based interview by phone. Of these patients, one hundred and forty-two responded. Respondents were classified into three categories ('significant', 'complex' and 'mild') based on congenital heart disease severity according to the Bethesda conference. Ninety patients (64%) had applied for loans; 17 (16.5%) did not report their heart disease to the insurance company, 13 were refused insurance and 39 were asked to pay surplus fees. The imposed fees concerned patients classified in the 'significant' and 'complex' groups (Ploan had no influence on loan application outcomes. Adults with congenital heart disease are considerably more likely to have difficulty obtaining a mortgage or loan, independent of their congenital heart disease severity. Moreover, despite an increased obtainment of a loan in patients classified as 'mild', the refusal rates were identical for patients classified as having 'significant' or 'complex' congenital heart disease, although their prognosis is different. Copyright © 2011 Elsevier Masson SAS. All rights reserved.

  13. HMM-based Trust Model

    DEFF Research Database (Denmark)

    ElSalamouny, Ehab; Nielsen, Mogens; Sassone, Vladimiro

    2010-01-01

    Probabilistic trust has been adopted as an approach to taking security sensitive decisions in modern global computing environments. Existing probabilistic trust frameworks either assume fixed behaviour for the principals or incorporate the notion of ‘decay' as an ad hoc approach to cope...... with their dynamic behaviour. Using Hidden Markov Models (HMMs) for both modelling and approximating the behaviours of principals, we introduce the HMM-based trust model as a new approach to evaluating trust in systems exhibiting dynamic behaviour. This model avoids the fixed behaviour assumption which is considered...... the major limitation of existing Beta trust model. We show the consistency of the HMM-based trust model and contrast it against the well known Beta trust model with the decay principle in terms of the estimation precision....

  14. 13 CFR 120.852 - Restrictions regarding CDC participation in the Small Business Investment Company (SBIC) program...

    Science.gov (United States)

    2010-01-01

    .... A CDC must not invest in or be an Affiliate of a Lender participating in the 7(a) loan program... of November 6, 2003 may remain Affiliates. (b) SBIC program. A CDC must not directly or indirectly... participation in the Small Business Investment Company (SBIC) program and the 7(a) loan program. 120.852 Section...

  15. Problems of judiciary trust

    Directory of Open Access Journals (Sweden)

    Vuković Slobodan

    2007-01-01

    Full Text Available Topic of the article is problem of trust in judiciary as a most important part of legal system. For all empirical researches so far have shown very law degree of this trust many authors were searching for the causes of this phenomenon. Among multifold causes some are special worth while to be mentioned here: historical inheritance, political pressures, delaying of judiciary decisions, respect of the laws, transferring of responsibility from political power to the judiciary, public comments of judiciary decisions, media pressures, efficiency of judiciary and police. Among inner factors author pays attention to competency of judges, modes of penal policy, modes of judges’ entitlement, problems of communication, involvement into criminal and corruptional affairs, etc.

  16. Trust and Corruption

    DEFF Research Database (Denmark)

    Graeff, Peter; Svendsen, Gert Tinggaard

    2013-01-01

    Why are the Scandinavian countries in the European Union significantly richer than South-ern/Eastern European countries? We try to answer this question from an empirical social capital perspective. In particular, we are interested in the interplay of social trust as a positive and corruption...... capital by applying a path model that accounts for Granger-like causal effects. Our empirical results, referring to a sample of up to 25 EU countries, show that corruption might harm poor European countries but is not able to affect social trust. However, corruption in itself means that resources end up...... in the wrong places and not in socioeconomically optimal investments. There is, therefore, a direct damaging effect of corruption on wealth. This implies that economic actors have to invest higher transaction and control costs which will bind resources to non-productive purposes and thus destroy economic...

  17. Trust in Internet Election

    DEFF Research Database (Denmark)

    Markussen, Randi; Ronquillo, Lorena; Schürmann, Carsten

    2014-01-01

    This paper discusses the Decryption and Counting Ceremony held in conjunction with the internet voting trial on election day in the Ministry of Local Government and Regional Development of Norway in 2013. We examine the organizers' ambition of making the decryption and counting of electronic votes...... public in order to sustain trust in internet voting. We introduce a pragmatic approach to trust that emphasises the inseparability of truth from witnessing it. Based on this and on a description of how the event was made observable and how the complexities in the counting process were disclosed, we...... discuss what we term economy of truth from the perspective of the IT community involved in the ceremony. We claim that broadening the economy of truth by including more explicitly social and political perspectives in the ceremony, and in internet elections in general, and how witnessing is brought about...

  18. Free Riding or Trust?

    DEFF Research Database (Denmark)

    Svendsen, Gert Tinggaard; Nilsson, Jerker

    2011-01-01

    It is often observed that members have little interest in monitoring their cooperatives. One explanation is that the members are free-riders, hoping that others will perform the task. Another explanation is that the weak member interest is a consequence of members having trust in the leadership....... These competing explanations refer to the theory of collective action and the social capital paradigm, respectively, and may be linked to the classical Gesellschaft and Gemeinschaft concepts. Hence, one may expect free-rider behavior when conditions of Gesellschaft exist and trustful behavior when Gemeinschaft...... conditions rule. These propositions get support from five studies of members’ readership of their cooperatives’ annual reports. In large and heterogeneous memberships there is free-riding behavior, which explains the members’ low interest in governing their cooperatives. To a limited extent a membership may...

  19. Trust in Digital Repositories

    Directory of Open Access Journals (Sweden)

    Elizabeth Yakel

    2013-06-01

    Full Text Available ISO 16363:2012, Space Data and Information Transfer Systems - Audit and Certification of Trustworthy Digital Repositories (ISO TRAC, outlines actions a repository can take to be considered trustworthy, but research examining whether the repository’s designated community of users associates such actions with trustworthiness has been limited. Drawing from this ISO document and the management and information systems literatures, this paper discusses findings from interviews with 66 archaeologists and quantitative social scientists. We found similarities and differences across the disciplines and among the social scientists. Both disciplinary communities associated trust with a repository’s transparency. However, archaeologists mentioned guarantees of preservation and sustainability more frequently than the social scientists, who talked about institutional reputation. Repository processes were also linked to trust, with archaeologists more frequently citing metadata issues and social scientists discussing data selection and cleaning processes. Among the social scientists, novices mentioned the influence of colleagues on their trust in repositories almost twice as much as the experts. We discuss the implications our findings have for identifying trustworthy repositories and how they extend the models presented in the management and information systems literatures.

  20. Understanding the Interplay Between Consumer Knowledge, Trust and Relationship Satisfaction in Financial Services

    DEFF Research Database (Denmark)

    Hansen, Torben; Grønholdt, Lars; Josiassen, Alexander

    , this study contributes to previous research by examining how consumer knowledge O/U affects two types of trust (broad-scope trust and narrow-scope trust) and consumer relationship satisfaction. Trust does not only concern consumer trust in individual companies (i.e., narrow.-scope confidence NST), but also...... concerns consumer confidence in the broader business context in which consumers plan and implement their behavior (i.e., broad scope trust, BST). NST is defined as "the expectation that the service provider can be relied on to deliver on its promises’, while BST is defined as ‘the expectation....../U a consumer becomes, the higher/lower NST and levels of relationship satisfaction will be. Second, it is demonstrated that BST has a negative moderating effect on the relationship between knowledge O/U and satisfaction, such that knowledge O/U has a higher positive/negative effect on relationship satisfaction...

  1. Example models of building trust in supply chains of metalurgical enterprises

    Directory of Open Access Journals (Sweden)

    B. Gajdzik

    2012-10-01

    Full Text Available The article is an introduction to the notion of building trust in supply chains. Foreign publishers offer many articles connected with trust and some of the most important ones were quoted in this article. In business world there are models based on trust of the companies which are connected with one another and such models are very popular. Trust becomes the key link in the organisation of supply chains. It is one of the basic mechanisms of action co-ordination which provides the correctness of functioning in the whole chain. The growth of importance of trust between the links of the chain is also observed in metallurgy sector. For the purpose of this publication example models of supply chains structures were constructed in which relationships are based on mutual trust with characteristics of the metallurgical sector taken into account.

  2. How can companies build and maintain trust in social media?

    OpenAIRE

    Donchev, Mihail

    2012-01-01

    In the PR and Communications industry there has been a dramatic shift in the effectiveness of bought channels vs. earned media. The client of this research project, Miltton Oy has developed its PR and Communications business by focusing on earned media models successfully over the last 10 years. Miltton sees social media as the fastest growing earned media channel. Miltton Oy has expressed interest in finding how corporations can better use social media in corporate communications. While...

  3. Between trust and control

    DEFF Research Database (Denmark)

    Ilsøe, Anna

    2010-01-01

    Denmark is often highlighted as a good example of organised decentralisation in which employee bargaining power remains comparatively strong. However, comparative analysis of the Danish case rarely reflects how the social contracts between management and workers’ representatives contribute...... to the bargaining outcome at company level. Drawing on 10 case studies in the German and Danish metal industries carried out in 2005, this article argues that the social contracts at the Danish case companies allow a more efficient use of company-level agreements on flexible working hours than the social contracts...

  4. The importance of trust in virtual team knowledge mediation

    DEFF Research Database (Denmark)

    Petersen, Nils Braad

    2012-01-01

    For transnational companies, virtual project teams are a means of overcoming temporal, geographical and organizational boundaries between team members. However, because the level of knowledge communication has been shown to be influenced by trust (e.g. Staples & Webster 2008; Quigley, Tesluk, Locke......, and will examine how the corporate context, consisting of embedded cultures, corporate structures and orgamizational communities of practice (CoP) support relationships, identity, trust and knowledge communication. According to the literature review on virtual teams conducted by Martins, Gilson & Maynard (2004...

  5. Towards a cross-cultural typologgy of trust in B2B food trade

    NARCIS (Netherlands)

    Hofstede, G.J.; Fritz, M.; Canavari, M.; Oosterkamp, E.B.; Sprundel, van G.J.F.T.

    2010-01-01

    Purpose – This paper aims to develop a hierarchical typology of trust elements for business-to-business trade among European companies in the food sector. Design/methodology/approach – The paper integrates desk research literature study and a qualitative survey of food industry companies. An

  6. 77 FR 33790 - Hennion & Walsh, Inc. and Smart Trust; Notice of Application

    Science.gov (United States)

    2012-06-07

    ... for short- term cash management purposes. For the Commission, by the Division of Investment Management... trust (``UIT'') registered under the Act to acquire shares of registered management investment companies... Company Regulation, Division of Investment Management). SUPPLEMENTARY INFORMATION: The following is a...

  7. 77 FR 27499 - Destra Capital Investments LLC and Destra Unit Investment Trust; Notice of Application

    Science.gov (United States)

    2012-05-10

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30059; 812-13574-01] Destra Capital Investments LLC and Destra Unit Investment Trust; Notice of Application May 3, 2012. AGENCY...) of the Investment Company Act of 1940 (``Act'') for an exemption from sections 2(a)(32), 2(a)(35), 14...

  8. 77 FR 35082 - Arrow Investment Advisers, LLC and Arrow Investments Trust; Notice of Application

    Science.gov (United States)

    2012-06-12

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30100; 812-13937] Arrow Investment Advisers, LLC and Arrow Investments Trust; Notice of Application June 6, 2012. AGENCY: Securities... 6(c) of the Investment Company Act of 1940 (``Act'') for an exemption from sections 2(a)(32), 5(a)(1...

  9. 76 FR 61769 - Destra Capital Investments LLC and Destra Unit Investment Trust; Notice of Application

    Science.gov (United States)

    2011-10-05

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 29825; 812-13575] Destra Capital Investments LLC and Destra Unit Investment Trust; Notice of Application September 29, 2011. AGENCY... 12(d)(1)(J) of the Investment Company Act of 1940 (``Act'') for an exemption from sections 12(d)(1)(A...

  10. 77 FR 18277 - Domini Social Investment Trust and Domini Social Investments LLC; Notice of Application

    Science.gov (United States)

    2012-03-27

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 29984; 812-13971] Domini Social Investment Trust and Domini Social Investments LLC; Notice of Application March 21, 2012. AGENCY... the Investment Company Act of 1940 (``Act'') for an exemption from section 15(a) of the Act and rule...

  11. 78 FR 19267 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-29

    ... indirectly retain voting shares of First-Citizens Bank & Trust Company, both in Raleigh, North Carolina. B... Byrd Street, Richmond, Virginia 23261-4528: 1. Olivia Britton Holding, Raleigh, North Carolina; to... First-Citizens Bank & Trust Company, both in Raleigh, North Carolina. 2. Frank Brown Holding, Jr...

  12. The Implementation of SWOT Analysis of People Economic Empowerment Business Loan (KUPEM) in Jambi Province

    OpenAIRE

    Susi Desmaryani

    2016-01-01

    The problems of SMEs today are generally only able to survive but rarely oriented towards growth and capacity development of the company. One of the problems that hinder the growth of SMEs is financing problems. The government has tried to provide financing assistance in the form of soft loans, one of which is KUPEM, but SMEs do not have the commitment to running the business with loans that have been granted by the government. This study aims to determine the implementation strategy of Peopl...

  13. IREDA guidelines for loan assistance

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    Indian Renewable Energy Development Agency Ltd. (IREDA) is a public sector undertaking of the Government of India. It was established in 1987 and works under Department of Non-Conventional Energy Sources (DNES). Its functions are to promote, develop and finance new and renewable sources of energy (NRSE). Guidelines for loan assistance from IREDA for different renewable energy sources are given. (M.G.B.)

  14. Globalization and Trust: Non-financial Information

    Directory of Open Access Journals (Sweden)

    Oscar Banda Lefaure

    2015-09-01

    Full Text Available Changes in the way of doing business that have resulted from globalization of markets have enabled countless benefits, but also a significant number of risks, that have been evident as since 2001 revelations about financial scandals around the world have occurred one after another. These unfortunate events showed the vulnerability to which investors (and other stakeholders are exposed for not having timely, clear and accurate information of the business progress in which they invest, and therefore not being able to take precautions. In addition, these business disasters have shown how the most unscrupulous executives do not hesitate to act illegally to hide their shady financial and accounting manoeuvres, in order to promote their personal benefit. Then the executive compensations policy lies behind. At this juncture, the importance of migrating to a new model of disclosure where the global financial community can take shelter of these malpractices and trust the board controls and the management stablishes has been increasing. This new model of disclosure has one of its pillars in non-financial information reports. This is not an alchemist solution, but is one of many efforts to be undertaken by companies to recover damaged trust. The international financial crisis affecting the world economy at the moment is another example of the need to give greater trust to the stakeholders –through transparency in the information they provide–. Only then, their participation in the capital market will be maintained and increased, and the costs that brings widespread lack of trust in which we live will be reduced.

  15. Gender and banking : Are women better loan officers?

    NARCIS (Netherlands)

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

    2013-01-01

    Using a unique data set for a commercial bank in Albania, we analyze gender differences in loan officers’ performance. Loans screened and monitored by female loan officers have a lower likelihood to turn problematic than loans handled by male loan officers. This effect cannot be explained by

  16. 24 CFR 201.40 - Post-disbursement loan requirements.

    Science.gov (United States)

    2010-04-01

    ...-disbursement loan requirements. (a) Discovery of misstatements of fact. If, after a loan has been made, the lender discovers any material misstatement of fact or that the loan proceeds have been misused by the... insurance of the loan shall not be affected unless such material misstatement of fact or misuse of loan...

  17. 7 CFR 1927.56 - Scheduling loan closing.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS TITLE CLEARANCE AND LOAN CLOSING Real Estate Title Clearance and Loan Closing § 1927.56 Scheduling loan closing. The agency, in coordination with the closing agent, will arrange a loan closing and send loan closing instructions, on an agency form to the closing agent when the agency determines that the...

  18. 12 CFR 614.4470 - Loans subject to bank approval.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following loans...

  19. 7 CFR 1744.63 - The telephone loan budget.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false The telephone loan budget. 1744.63 Section 1744.63... Disbursement of Funds § 1744.63 The telephone loan budget. When the loan is made, RUS provides the borrower a Telephone Loan Budget, RUS Form 493. This budget divides the loan into budget accounts such as “Engineering...

  20. 13 CFR 120.315 - Interest rate and loan limit.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Interest rate and loan limit. 120... Special Purpose Loans Disabled Assistance Loan Program (dal) § 120.315 Interest rate and loan limit. The interest rate on direct DAL loans is three percent. There is an administrative limit of $150,000 on a...

  1. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Security for loans. 57.1510 Section 57.1510 Public... Security for loans. Each loan with respect to which a guarantee is made or interest subsidies are paid... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest...

  2. 24 CFR 201.51 - Proceeding against the loan security.

    Science.gov (United States)

    2010-04-01

    ....51 Proceeding against the loan security. (a) Property improvement loans. (1) After acceleration of maturity on a secured property improvement loan, the lender may either proceed against the loan security... proceeds against the loan security, it may submit an insurance claim only if it complies with the...

  3. 7 CFR 1735.46 - Loan security documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security documents. 1735.46 Section 1735.46... § 1735.46 Loan security documents. (a) Loans are to be repaid according to their terms. RUS generally... subordinations. (b) Loan security documents of borrowers with loans approved after October 6, 1997 will provide...

  4. 7 CFR 1718.104 - Availability of model loan contract.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.104 Availability of model loan contract. Single copies of the model loan contract (RUS... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model loan contract. 1718.104 Section...

  5. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

    ... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis... 7 Agriculture 10 2010-01-01 2010-01-01 false Quantity for loan. 1427.170 Section 1427.170... OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.170...

  6. Grading the probabilities of credit default risk for Malaysian listed companies by using the KMV-Merton model

    Science.gov (United States)

    Anuwar, Muhammad Hafidz; Jaffar, Maheran Mohd

    2017-08-01

    This paper provides an overview for the assessment of credit risk specific to the banks. In finance, risk is a term to reflect the potential of financial loss. The risk of default on loan may increase when a company does not make a payment on that loan when the time comes. Hence, this framework analyses the KMV-Merton model to estimate the probabilities of default for Malaysian listed companies. In this way, banks can verify the ability of companies to meet their loan commitments in order to overcome bad investments and financial losses. This model has been applied to all Malaysian listed companies in Bursa Malaysia for estimating the credit default probabilities of companies and compare with the rating given by the rating agency, which is RAM Holdings Berhad to conform to reality. Then, the significance of this study is a credit risk grade is proposed by using the KMV-Merton model for the Malaysian listed companies.

  7. Misplaced Trust: Racial Differences in Use of Tobacco Products and Trust in Sources of Tobacco Health Information.

    Science.gov (United States)

    Alcalá, Héctor E; Sharif, Mienah Z; Morey, Brittany N

    2017-10-01

    Recently, the rates of utilization of alternative tobacco products have increased. Providing health information about tobacco products from trustworthy sources may help decrease the popularity of these products. Using a nationally representative study of adults, we fill the current gap in research on racial and ethnic disparities in utilization of alternative tobacco products as well as in trust of sources of health information about tobacco products. Data came from the Health Information National Trends Survey (N = 3738), which was collected in 2015. Logistic regression models were used to calculate odds of use of seven different tobacco product (eg, hookah, e-cigarettes, etc.), trust in seven different sources of e-cigarette health information (eg, family or friends, health care providers, etc.), and trust in six different sources of tobacco health information, adjusting for control variables. There were disparities in utilization of alternative tobacco products and in trust, in tobacco companies across racial and ethnic groups. Blacks and Asians were far more likely than whites to trust tobacco (adjusted odds ratios = 8.67 and 4.34) and e-cigarette companies (adjusted odds ratios = 6.97 and 3.13) with information about the health effects of e-cigarettes than whites. The popularity of alternative tobacco products appears to be high and may offset recent observed decreases in cigarette use. Blacks and Asians appear to trust tobacco companies as sources of information when compared to whites. Higher levels of trust in tobacco companies among Asians and blacks may translate to greater susceptibility to utilize tobacco products among these groups, thereby increasing disparities. There is a need for social marketing and education efforts focused on increasing awareness of adverse health effects of using alternative tobacco products as well as on the untrustworthiness of tobacco and e-cigarette companies, especially among racial and ethnic minorities. © The Author

  8. HUD PowerSaver Pilot Loan Program

    Energy Technology Data Exchange (ETDEWEB)

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

    2010-12-10

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

  9. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ... borrower's loans if the borrower receives a disbursement of a new title IV loan or receives a new TEACH... proposed regulations for programs authorized by title IV of the HEA, to obtain public involvement in the...-defaulted Direct Loan, except for a parent Direct PLUS loan or a Direct Consolidation loan that repaid a...

  10. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

    ..., and 685 Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford... 685 RIN 1840-AD05 [Docket ID ED-2012-OPE-0010] Federal Perkins Loan Program, Federal Family Education... (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct...

  11. Syndicated Loan Signed for CPECC'S KUWAIT Project

    Institute of Scientific and Technical Information of China (English)

    1997-01-01

    @@ China Petroleum Engineering Construction Corp. (CPECC) has got a syndicated loan of 80 million USD from a consortium composed of 15 banks of Japan, Germany, France, Netherlands and Belgium with Sanwa Bank Hongkong Branch as the arrangement bank. The loan will be used for building a multiple well manifold production station (MWMPS) in Kuwait. The signing ceremony for the loan agreement was held in late January 1997.

  12. Collateralised loan obligations (CLOs): A primer

    OpenAIRE

    Jobst, Andreas A.

    2002-01-01

    The following descriptive paper surveys the various types of loan securitisation and provides a working definition of so-called collateralised loan obligations (CLOs). Free of the common rhetoric and slogans, which sometimes substitute for understanding of the complex nature of structured finance, this paper describes the theoretical foundations of this specialised form of loan securitisation. Not only the distinctive properties of CLOs, but also the information economics inherent in the tran...

  13. Collateral in Loan Classification and Provisioning

    OpenAIRE

    In W Song

    2002-01-01

    Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In particular, the questions arise whether collateral should be taken into account in classifying a collateralized loan, and whether it should be...

  14. Developing Trusting Relationships Through Communication

    OpenAIRE

    YOKOYAMA, Izumi; OBARA, Takuya

    2015-01-01

    In this paper, we analyze the formation of trusting relationships between people through communication. To foster trusting relationships, individuals should disclose private and personal information. However, disclosing such information has both costs and benefits; therefore, both parties must decide on the optimal level of self-disclosure based on a variety of factors, such as the existing level of relationship and the benefits of deepening the trust level. We construct an economics model th...

  15. Trust for intelligent recommendation

    CERN Document Server

    Bhuiyan, Touhid

    2013-01-01

    Recommender systems are one of the recent inventions to deal with the ever-growing information overload in relation to the selection of goods and services in a global economy. Collaborative Filtering (CF) is one of the most popular techniques in recommender systems. The CF recommends items to a target user based on the preferences of a set of similar users known as the neighbors, generated from a database made up of the preferences of past users. In the absence of these ratings, trust between the users could be used to choose the neighbor for recommendation making. Better recommendations can b

  16. Pricing and Trust

    DEFF Research Database (Denmark)

    Huck, Steffen; Ruchala, Gabriele K.; Tyran, Jean-Robert

    -competitive (monopolistic) markets. We then introduce a regulated intermediate price above the oligopoly price and below the monopoly price. The effect in monopolies is more or less in line with standard intuition. As price falls volume increases and so does quality, such that overall efficiency is raised by 50%. However......We experimentally examine the effects of flexible and fixed prices in markets for experience goods in which demand is driven by trust. With flexible prices, we observe low prices and high quality in competitive (oligopolistic) markets, and high prices coupled with low quality in non...

  17. Trust and Social Intelligence

    OpenAIRE

    Yamagishi , Toshio

    2011-01-01

    Part 1: Extended Abstracts for Keynote Speakers; International audience; One of the strongest expression of generalized distrust – i.e., distrust of human nature in general – can be found in a Japanese proverb, “Its best to regard everyone as a thief” (hito wo mitara dorobo to omoe). An expression of the other extreme, generalized trust, can also be found in another Japanese proverb, “you will never meet a devil as you walk through the social world” (wataru seken ni oni ha nai). I asked about...

  18. 13 CFR 108.1630 - SBA regulation of Brokers and Dealers and disclosure to purchasers of Leverage or Trust...

    Science.gov (United States)

    2010-01-01

    ... Financial Assistance for NMVC Companies (Leverage) Funding Leverage by Use of Sba Guaranteed Trust... standing in respect to compliance with the financial, ethical, and reporting requirements of such body...

  19. 78 FR 69147 - Ranger Alternative Management, L.P. and Ranger Funds Investment Trust; Notice of Application

    Science.gov (United States)

    2013-11-18

    ...] Ranger Alternative Management, L.P. and Ranger Funds Investment Trust; Notice of Application November 12... Application: Applicants request an order that would permit (a) certain open-end management investment... Units; and (e) certain registered management investment companies and unit investment trusts outside of...

  20. The Effect of Social Trust on Citizens’ Health Risk Perception in the Context of a Petrochemical Industrial Complex

    Directory of Open Access Journals (Sweden)

    Vicente Tortosa-Edo

    2013-01-01

    Full Text Available Perceived risk of environmental threats often translates into psychological stress with a wide range of effects on health and well-being. Petrochemical industrial complexes constitute one of the sites that can cause considerable pollution and health problems. The uncertainty around emissions results in a perception of risk for citizens residing in neighboring areas, which translates into anxiety and physiological stress. In this context, social trust is a key factor in managing the perceived risk. In the case of industrial risks, it is essential to distinguish between trust in the companies that make up the industry, and trust in public institutions. In the context of a petrochemical industrial complex located in the port of Castellón (Spain, this paper primarily discusses how trust — both in the companies located in the petrochemical complex and in the public institutions — affects citizens’ health risk perception. The research findings confirm that while the trust in companies negatively affects citizens’ health risk perception, trust in public institutions does not exert a direct and significant effect. Analysis also revealed that trust in public institutions and health risk perception are essentially linked indirectly (through trust in companies.

  1. 13 CFR 108.1610 - Effect of prepayment or early redemption of Leverage on a Trust Certificate.

    Science.gov (United States)

    2010-01-01

    ... Companies (Leverage) Funding Leverage by Use of Sba Guaranteed Trust Certificates (âtcsâ) § 108.1610 Effect... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Effect of prepayment or early redemption of Leverage on a Trust Certificate. 108.1610 Section 108.1610 Business Credit and Assistance SMALL...

  2. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

    This paper examines the dynamic allocation of control rights in private debt contracts of firms. We show that a covenant violation in the prior loan contract implies a stigma for borrowers which results in stricter loan contract terms in subsequent new loan contracts. Our analyses reject...... potentially other explanations such as firm characteristics or agency problems between the lender and firm management, shareholders or public debtholders. After covenant violations in the prior contract, new loans have on average 18 bps higher spreads and include more of those covenant types which also have...

  3. Designing High-Trust Organizations

    DEFF Research Database (Denmark)

    Jagd, Søren

    The specific problem considered in this paper is what are the key issues to consider for managers involved in designing high-trust organizations, a design problem still not properly explored. This paper intends to take the first step in filling this lacuna. In the paper, I first present...... the existing management and research literature on building high-trust organizations. Then I explore Alan Fox’s (1974) analysis of low-trust vs. high-trust dynamics which, I argue, may serve as a theoretically stronger basis for understanding the issues management have to consider when designing hightrust...... organizations...

  4. Mediating Trust in Terrorism Coverage

    DEFF Research Database (Denmark)

    Mogensen, Kirsten

    crisis. While the framework is presented in the context of television coverage of a terror-related crisis situation, it can equally be used in connection with all other forms of mediated trust. Key words: National crisis, risk communication, crisis management, television coverage, mediated trust.......Mass mediated risk communication can contribute to perceptions of threats and fear of “others” and/or to perceptions of trust in fellow citizens and society to overcome problems. This paper outlines a cross-disciplinary holistic framework for research in mediated trust building during an acute...

  5. Attack-Resistant Trust Metrics

    Science.gov (United States)

    Levien, Raph

    The Internet is an amazingly powerful tool for connecting people together, unmatched in human history. Yet, with that power comes great potential for spam and abuse. Trust metrics are an attempt to compute the set of which people are trustworthy and which are likely attackers. This chapter presents two specific trust metrics developed and deployed on the Advogato Website, which is a community blog for free software developers. This real-world experience demonstrates that the trust metrics fulfilled their goals, but that for good results, it is important to match the assumptions of the abstract trust metric computation to the real-world implementation.

  6. Trust as a Critical Concept

    DEFF Research Database (Denmark)

    Bordum, Anders

    2004-01-01

    In this articlei I will argue that trust is a fundamental and critical concept because trust is the direct or transcendental constitutive ground of most social phenomena, as well as applicable as an operational method in critical theory. There are two different but overlapping positions on trust I...... address in this article. One is the standpoint we find in business strategy, that trust is naïve to show, and control or contracts are presumed better. In the strategy game the idealistic good guys seems to lose (Arrow 1974), (Williamson 1975). The other position is the position taken by systems theory...

  7. Consumer Trust in Information Sources

    Directory of Open Access Journals (Sweden)

    Brad Love

    2013-06-01

    Full Text Available Trust is essential to understanding public reaction to innovative issues. This research focuses on trust in information sources by explicating the construct of trust and testing a comprehensive model on several information sources about genetically modified foods. Results from a survey of 369 participants reveal the significance of projecting competence and the role of the environment in which a target public receives information. Perceptions of regulatory, social, business, and technical environments affect how likely individuals are to follow advice from institutions like the Food and Drug Administration and the news media. Future research should incorporate knowledge levels and personal relevance as variables likely to influence trusting relationships.

  8. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Science.gov (United States)

    2010-01-01

    ... interest at a rate set by the lender consistent with the current applicable market rate for a loan of... Derivative or any Guaranteed-Amount Debt Derivative; or (B) Any holder of the Guaranteed Loan Note or any Guaranteed Loan Portion Note or any Derivative, as the case may be, having a claim to payments on the...

  9. 77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-05-31

    ...) instructions for reporting past due status on TDRs, many FICUs maintain separate, manual delinquency... loan delinquency based on restructured contract terms rather than the original loan terms. To that end... loan on nonaccrual status has no impact on the borrower's contractual obligation to the FICU. c...

  10. 77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making

    Science.gov (United States)

    2012-08-27

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request; Farm Loan Programs, Direct Loan Making AGENCY: Farm Service Agency, USDA. ACTION: Notice; request for comments. SUMMARY: In... approved information collection that supports Direct Loan Making programs. The information collection is in...

  11. Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes

    Science.gov (United States)

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

    Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…

  12. 76 FR 42470 - Loan Policies and Operations; Loan Purchases From FDIC; Effective Date

    Science.gov (United States)

    2011-07-19

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan Purchases From FDIC; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date... rule under part 614 on May 25, 2011 (76 FR 30246) amending our regulations on loan policies and...

  13. 78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013

    Science.gov (United States)

    2013-01-04

    ... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013 AGENCY: Rural Business-Cooperative Service, USDA. ACTION... and Industry (B&I) guaranteed loans of $25 million or less under certain circumstances. Due to the...

  14. 38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loan purposes, maximum loan amounts and terms. 36.4204 Section 36.4204 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... constructing a suitable pad for the manufactured home. (e) The maximum permissible loan terms shall not exceed...

  15. 26 CFR 1.1247-1 - Election by foreign investment companies to distribute income currently.

    Science.gov (United States)

    2010-04-01

    ... (2) of this paragraph, then section 1246 (relating to gain on foreign investment company stock) shall... investment trust. Under such Act, a company is deemed registered upon receipt by the Securities and Exchange... filed with the Securities and Exchange Commission under the Investment Company Act of 1940, such...

  16. 26 CFR 1.851-6 - Investment companies furnishing capital to development corporations.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 9 2010-04-01 2010-04-01 false Investment companies furnishing capital to... Investment Trusts § 1.851-6 Investment companies furnishing capital to development corporations. (a) Qualifying requirements. (1) In the case of a regulated investment company which furnishes capital to...

  17. Forms, Sources and Processes of Trust

    NARCIS (Netherlands)

    Nooteboom, B.

    2006-01-01

    This chapter reviews some key points in the analysis of trust, based on Nooteboom (2002)i.The following questions are addressed.What can we have trust in?What is the relation between trust and control?What are the sources of trust? And what are its limits?By what process is trust built up and broken

  18. 7 CFR 773.21 - Loan decision, closing, and fees.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and... required to execute the promissory notes as individuals. (c) Fees. The applicant will pay all loan closing...

  19. Generalized Trust and Trust in Institutions in Confucian Asia

    Science.gov (United States)

    Tan, Soo Jiuan; Tambyah, Siok Kuan

    2011-01-01

    This study examines generalized trust and trust in institutions in Confucian Asia, covering six countries namely, China, Japan, Singapore, South Korea, Taiwan and Vietnam, and one dependent region, Hong Kong. Using data from the 2006 AsiaBarometer Survey, our study affirms the reliability and validity of using a two-item scale to measure…

  20. TrustBuilder2: A Reconfigurable Framework for Trust Negotiation

    Science.gov (United States)

    Lee, Adam J.; Winslett, Marianne; Perano, Kenneth J.

    To date, research in trust negotiation has focused mainly on the theoretical aspects of the trust negotiation process, and the development of proof of concept implementations. These theoretical works and proofs of concept have been quite successful from a research perspective, and thus researchers must now begin to address the systems constraints that act as barriers to the deployment of these systems. To this end, we present TrustBuilder2, a fully-configurable and extensible framework for prototyping and evaluating trust negotiation systems. TrustBuilder2 leverages a plug-in based architecture, extensible data type hierarchy, and flexible communication protocol to provide a framework within which numerous trust negotiation protocols and system configurations can be quantitatively analyzed. In this paper, we discuss the design and implementation of TrustBuilder2, study its performance, examine the costs associated with flexible authorization systems, and leverage this knowledge to identify potential topics for future research, as well as a novel method for attacking trust negotiation systems.